How is it possible if you have poor credit to get loans in their own name? Are there loans for people with bad credit? You’d believe not, would not you? All things considered, individuals with poor credit have a history of not paying off previous loans which makes them poor credit risks – right? They Have gotten into trouble with credit before and there is no place out there that will loan them cash with a poor credit history – right? Well, that is somewhat correct.
Actually, it’s potential if you have poor credit to get financing. They might not be capable to consistently get it on their own, but there are choices accessible to those with poor credit. The terms may not be appealing, and it surely might not be simple, but it’s potential.
The first – and likely most workable choice – for individuals with poor credit to get financing will be to locate a cosigner for the loan. The cosigner must be a man with a clean credit history. Essentially, when a loan is secured by a cosigner, you both seem on the loan as responsible parties. The cosigner is basically telling the loaning firm that they’ll make sure your payments are made by you and they’ll, if you do not.
Having a cosigner on a loan is catchy business, yet. Typically a cosigner is a parent, loved one, or close pal. The relationship between the two of you could go terribly sour, so you should either be positive you can make your payments or risk damaging the relationship you have with them, if you’re requesting someone to cosign on a loan with you, if anything goes wrong.
People who have poor credit may also manage to procure financing in their own name from a giving business, but they’re most probably going to need to pay an increased interest than those that have great credit. As an example, a car loan for an individual with great credit can be got with a loan that’s a lending rate as low as 4 percent in some instances. A man with poor credit might pay up to 12 percent for the same loan. As you can imagine, that means higher payments on the loan for the man with poor credit.
A guaranteed loan is another option if you have poor credit. Basically, a guaranteed loan uses the property you’re borrowing for as security against the loan. If you do not make the payments, the property is repossessed. Guaranteed loans for individuals with poor credit are usually given for a vehicle which means that non payment means the automobile goes byebye.
The good thing is that if people who have poor credit have the ability to procure a loan, they could reconstruct their credit with timely payments and non-default. That sets them on the road toward a favorable credit report and fiscal stability.


I work 280 hours a month. Before that I was working 256 hours a month so I don't make a lot of money I just work a lot if hours with shit tons of O. T so when I worked 256 hours a month I'd make 45k a year and now at 280 hours I'm at 52k a year but after taxes I only take somewhere in the low 30k 32-33k. I'm trying to pay off my student loans ASAP by working a shit ton but it seems like I'm getting taxed more than my fare share. When I'm working 84-98hour weeks and no days off only one week off a month and only making 45-52k and I'm being taxed between 15-22k a year? I'm almost better off not working so hard the way in taxed! WTF!
Most Helpful Girl
Yeah that can be tough but be glad - when you are older, you will have a SWEET retirement.0
Most Helpful Guy
This is why I gave up being a bleeding heart. Yes, some people will aways need help to make it. But for the rest, handouts are great only until you eventually run out of other people's tax money.
That said, all the shitheads running around buying crap on their EBT cards thank you for all your hard work to make doing nothing possible for them.0


The Western Canada Alliance of Wall and Ceiling Contractors (WCAWCC) has released an open letter sent to Finance Minister Bill Morneau and Global Affairs Minister Chrystia Freeland imploring them to resolve the issue of what is says are crippling anti-dumping tariffs on U.S. imports of gypsum board (drywall) in Western Canada.
The alliance says in a letter signed by counsel Dan Ujczo that “it feels abandoned by the Trudeau government and frustrated with being forced to absorb a massive 43 per cent anti-dumping tariff on U.S. drywall.”
Following an outcry after massive anti-dumping duties were imposed last year, an official Canadian trade panel determined in January that U.S. firms had dumped drywall in Canada, but that maintaining duties of up to 276.5 per cent would harm businesses, consumers and the country’s trade interests.
In February, the federal finance department said it was reducing minimum import prices, which are used to calculate duties, by 32.17 percent. The new duty level took effect Feb. 24 and will be reviewed again in a year.
However, the contractors believe that the measures are insufficient, especially for some who are locked into fixed-price contracts based on the pre-duty prices for drywall.
In its letter, WCAWCC says it requests the government resolve the gypsum issue not only because it benefits Western Canadian consumers and the livelihoods of its members but because it is essential to negotiating a favourable agreement for the Canadian softwood lumber industry and advancing Canada’s position in the NAFTA negotiations. The letter comes as the U.S. government released their list of negotiating objectives for NAFTA modernization.
The alliance says the letter further outlines:
- How the government’s misguided “bargaining chip” trade negotiation strategy to ignore the implementation of a duty holiday on its own people, leaves the issue unresolved, and creates a roadblock in softwood lumber negotiations with the U.S.;
- This issue now has the attention of the U.S. government. WCAWCC testified before the U.S. Trade Representative (USTR) at its June 2017 NAFTA consultation hearings in Washington.
“The panel was alarmed and surprised by the hypocrisy of the Canadian government when the Alliance explained it had been harmed by duties imposed on U.S. imported gypsum board,” the WCAWCC news release says. “Our government was offering the same argument made against Canadian imports into the U.S. of softwood lumber and the harm on U.S. homebuilders.”
“From the perspective of the Trump Administration, Canada has now imposed extreme duties on U.S. gypsum manufacturers, created a monopoly for a French-owned company, and now other foreign countries are entering the Canadian market to fill the void left by the U.S.,” the contractors say.
The contractors’ group asserts its members’ financial situation is worse today than it was in fall 2016.
“Anti-dumping duties have devastated the economics of the industry’s standard, fixed-price contracts. Over the last six months, the Alliance estimates Western Canada’s 100 largest commercial drywallers (combined) have been forced to absorb over $20 million in unanticipated duty costs. Further imperilling their financial situation is a six per cent increase in U.S. drywall pricing announced on July 6.”
WCAWCC says it has appealed to the government to “implement the duty holiday recommended by the Canadian International Trade Tribunal (CITT) on U.S.-imported gypsum into Western Canada, allowing contractors to clear out their fixed-price contracts during the height of the summer’s building season and allow “the government to take this issue off the softwood lumber and NAFTA negotiation tables.”


The Netherlands adopted shareholders’ say on pay over a decade ago. The general meeting of shareholders must approve the remuneration policy and any amendments to it. This Dutch approach offers fruitful insights into how say on pay works in practice. In the light of the recent European proposal to introduce a uniform say on pay, we examine the merits of the Dutch system. First, we describe the legal framework of the Dutch say on pay and its background. Then, using hand-collected voting data, information from the minutes of general meetings and ownership data for the entire Dutch say on pay period (2004–2014), we address and discuss both its direct and its indirect effects. Our study shows that, although remuneration proposals are seldom rejected, the influence of shareholders on the remuneration policy of the company is considerable. Furthermore, the Dutch approach to say on pay stimulates shareholders’ dialogue and increases pressure on boards regarding remuneration matters, even in the presence of large insider shareholders.


The Better Business Bureau of Vancouver Island is reminding consumers to take the time to become credit savvy before embarking on home improvement renovations.
“We get a number of calls this time of year from consumers, who are eager to start a renovation or home improvement project, that misunderstand how their use of credit has negatively impacted their credit rating,” said Rosalind Scott, president and CEO of the local BBB.
“These consumers are then very upset with the bank when they find out that they are not eligible for home improvement loans or credit cards, despite the fact that they think they have a good credit history.”
The real problem often begins long before the consumer heads to the bank for a loan. It usually begins earlier in the year (or even the year before), when the consumer took advantage of “in-store discounts” related to the opening of an account associated with store’s credit card program.
“What consumer’s don’t often realize is that those ‘buy now, pay later programs,’ and those ‘get a discount by opening a store credit card’ opportunities, are actual financial activities that impact your credit history and your credit rating,” said Scott.
“Even if you never use the program or card again, the fact that you opened it goes on your credit report and has the potential to impact your access to additional credit or loans in the future.”
Many consumers think that by cutting up a credit card that the account then no longer exists. This of course is not the case. To cancel a credit card there is a very particular set of steps that you must take. And just because you cancel a credit card it does not mean that the payment information related to the card comes off your credit report immediately.
Closed credit accounts, with zero balance and no associated negative information, will remain on your credit report for 10 years from the date the account was closed.
For more helpful consumer tips, please go online to: bbb.org/Vancouver-island.


H&M reports fastest quarterly sales growth in three years
Swedish fast fashion giant Hennes & Mauritz AB (H&M) reported quarterly earnings this week, and while the figures were good, analysts’ uncertainty led the share price down. The company saw its fastest quarterly sales growth in three years, but many analysts were curious as to whether this growth was spurred on by the deep discounts the company was offering in store – and the extent to which those discounts could damage H&M’s bottom line. Ultimately, we won’t find out the answer to these questions until January 31, when the company reports its full results.
Analysts’ uncertainty led H&M’s share price down on the back of results – but it’s still up by 7% over the past six months
Source: Yahoo Finance
To be clear, the only solid data that H&M released was overwhelmingly positive – and a number of observers might feel that this is cause for celebration. The reason that the wider market is reacting more cautiously comes down to the possible effects of deep discounting. On the one hand, with reports that the company has been selling sweaters as cheaply as $9.99, some analysts have questions about the impact that slashed prices could have on what is otherwise impressive sales growth. On the other hand, RBC Capital Markets analyst Richard Chamberlain has questioned how easy H&M will find it to put prices back to normal for the festive period.
For the three-month period running through November, H&M beat analysts’ expectations on revenue. Year on year, it rose by 12% to 56.4 billion kronor ($6.2 billion), beating out the Street’s predictions of 56.1 billion kronor. H&M was facing a relatively weak comparable quarter, and half that growth was down to currency effects, but the fact remains: for now, it’s undeniably a win.
Dominion holds Hennes & Mauritz in its Global Trends Luxury Fund.
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Business and its performance Overview of South African Retail IndustryBusiness and its performance Overview of South African Retail Industry
October 4, 2010
Bharatbook added a new report on “South African Retail Industry Forecast to 2013” provides comprehensive information and conceptual analysis of the South Africa retail market. By RNCOS.
South African Retail Industry Forecast to 2013
South Africa represents the largest retail industry in the Sub Saharan region and ranked as the 20th largest retail market worldwide. The country has recently hosted the 2010 FIFA World Cup that gave impetus to the retail industry by attracting a large number of foreign tourists. Besides, the retail industry has gained momentum in the backdrop of economic recovery from the global recession and fast pace infrastructure development. ( http://www.bharatbook.com/detail.asp?id=152023&rt=South-African-Retail-Industry-Forecast-to-2013.html )
As per our research report “South African Retail Industry Forecast to 2013”, the South African retail market was valued at US$ 82.7 Billion in 2009. The retail market has benefitted from the strong consumer confidence and high public spending on both food and non-food items. We have found that the non-food retailing will grow at faster pace than food retailing, with high spending on technical consumer goods. With the rising employment opportunities and low interest rates, the market is set for high growth in the coming years. We anticipate that the South African retail market will grow at a CAGR of 5% during 2010-2014 to US$ 118.7 Billion (2014).
Our report has identified different retailing segments namely the food retail and the non-food retail. The report has further segmented the non-food retail into clothing & footwear, cosmetics & toiletries, furniture, household cleaning products and consumer electronics.
The report has also studied the South African retail market in terms of different retail formats – convenience stores, supermarkets and traditional market. Convenience is a relatively new trend in South Africa’s Fast Moving Consumer Goods (FMCG) market. Major retailers and wholesalers own most of the convenience stores in South Africa. Supermarkets have been present in the country for more than 60 years and quite popular for providing fresh products.
The report provides comprehensive information and conceptual analysis of the South Africa retail market. It also shows the present and past market trends to give an idea about the industry developments. It also includes prediction of future trends not based on the complex model but are intended to provide a rough guide to the direction in which the market is likely to move. The report also provides a brief business description and performance overview of the main retailers, which will help the client in analyzing market dynamics and competition.
For more information kindly visit : http://www.bharatbook.com/detail.asp?id=152023&rt=South-African-Retail-Industry-Forecast-to-2013.html
The Future of Convenience Retailing in Europe
Global Retail Trends 2010
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Bharat Book Bureau
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Date(s) - March 1, 2023
7:30 am - 9:00 am
“Linking Cash Flow Management and Life Planning: Your Most Important Client Conversation”
Cash flow management and life planning are services that provide immeasurable value to financial planning clients. By integrating these two processes, research shows that you will be more effective in engaging your clients and empowering them to affect positive change in their lives. Help your clients to focus on what is truly most important to them, and provide tools that will allow them to survive and thrive in all market conditions. In addition, you will develop long-term client relationships by initiating life changing conversations and providing a service that is central to their financial well-being.
Amy’s presentation will help advisors overcome obstacles and facilitate better conversations with clients. You will also learn how to create a powerful decision-making framework based upon each client’s own values and priorities.
Amy Mullen, CFP®, is President of Money Quotient, an organization that teaches financial professionals how to bring science to the art of relationship. In her role, Amy conducts training and consulting on the benefits and effectiveness of a values-based approach to financial planning. She helps advisors understand clients’ financial motivations and learn to guide them through change and create long-lasting relationships. Money Quotient’s multi-disciplinary, evidence-based approach to financial planning takes into consideration both the practical and emotional aspects which promote financial well-being and life satisfaction. Outside of the office, Amy enjoys hikes, photography, live music and cooking.


Gores Group, a Los Angeles-based firm, is nearing a final close on its third fund, having collected $1.04 billion out of its $1.5 billion target.
The firm has to hold a final close on the fund 12 months from the fund’s launch, which was in August 2009, according to documents from the San Diego County Employees’ Retirement Association. The pension committed $75 million to the fund at its meeting last week.
Gores closed its second fund on $1.3 billion in 2007. The firm raised $400 million for its first institutional fund in 2003.
Fund III has a 1.85 percent management fee during the five year investment period, and 1.5 percent of active investments after the investment period. The fund will also use 80 percent of transaction, break-up and other fees to pay down the management fee.
Gores invests in North America and Europe, but expects much of Fund III to be invested in Europe. “Gores see sizable distress-related opportunities and less competition in Europe,” the firm said in documents. The firm has been building up its London staff over the past few years, and has committed about 28 percent of funds I and II to businesses based in Europe.
The firm uses “as much debt as is practical without putting undue financial pressure on the portfolio company; it typically uses a combination of asset-based debt as well as cash flow loans”.
Gores also doesn’t try to make exits through the public markets, but through “sales to strategic acquirers or through distributions after the companies have been returned to profitability”, the firm said.
Fund III will acquire 12 to 20 portfolio companies with investment sizes around $50 million to $250 million. Gores targets information technology, telecom, industrial, and to a lesser extent, media, healthcare and security businesses.
The firm is using Lazard as a placement agent for the fundraising.


The metro Birmingham housing market improved in February, and is expected to continue to improve throughout 2013, according to several reports out today.
Home sales rose 3 percent to 776 in February from 755 in February 2012, pushing year-to-date sales up 8 percent to 1,462 from the 1,349 in the same period of 2012, the Birmingham Association of Realtors said today.
Foreclosures, at an average price of $73,039, represented 30 percent of all sales, the report said.
Prices rose across the board in February, jumping 14 percent on average to $178,397 from $156,577 in February 2012, BAR said. Non-distressed sales sold for an average price of $222,310.
That brought the average price so far this year, including distressed and non-distressed homes, up 11 percent to $175,384 from the same period of last year, according to the report.
A separate report by ABRE Analytics, a partnership between the Alabama Center for Real Estate and researcher Tom Brander, said Birmingham sales are expected to continue to improve in 2013 over 2012.
Metro Birmingham home sales are expected to rise 8 percent to 14,571 this year over 2012 – the same percentage change in 2012 from 2011, the report said. Contrast that to Alabama, whose sales are projected to increase 6 percent to 41,799 this year from last year.


SMM News: recently, Jiangxi Ganfeng Lithium Industry Co., Ltd. held a meeting on June 28, 2019, passed the motion of Ganfeng International wholly-owned subsidiary Mariana Lithium Industry to provide financial assistance to Litio Company and extend the financial assistance period. Jiangxi Ganfeng International wholly-owned subsidiary Mariana Lithium Industry, Jiangxi Ganfeng International wholly-owned subsidiary Mariana Lithium Industry, without affecting its normal operation, An additional amount of financial assistance not exceeding US $8 million shall be provided to Litio, a controlling subsidiary, and the period of financial assistance shall be extended to the 180th day from the date on which the Mariana project is officially put into operation. Prior to the implementation of the financial assistance, Mariana provided a total financial assistance of no more than US $12 million to Litio. After the implementation of the financial assistance, Mariana provided a total financial assistance of no more than US $20 million to Litio.
Litio was incorporated under Argentine law in the Argentine province of Mendoza on April 5, 2010 and is not yet listed. As of the date of disclosure of this announcement, the number of shares of Litio is 122800, with Mariana Lithium holding a stake of 84.25 per cent and International Lithium holding 15.75 per cent of its shares. Litio, which specializes in mineral exploration and investment, has a 100 per cent interest in the Mariana lithium-potassium brine mine in the province of Salta, Argentina.
The purpose of this transaction is to promote the exploration progress of Litio's lithium-potassium brine project in Mariana, Argentina, to meet the company's future growth demand for lithium resources, and to enhance the long-term competitiveness of Mariana. From Ganfeng lithium industry learned that the transaction will make the company cash flow to produce a certain net outflow, but will not have a significant impact on the company's normal working capital.
In addition, Mariana lithium-potassium brine project may face some risks in operation, Mariana lithium-potassium brine project exploration may be affected by exploration technology, natural conditions and other factors, there is a risk of resource exploration failure. At the same time, the project mining is affected by personnel, technology, equipment and other factors, or natural disasters such as force majeure occurred in the mining area, there may also be the risk of failure in the exploitation of mineral resources.


Shenzhen-listed Focus Technology, the owner and operator of Made-in-China.com, reported its financial results for the quarter ended 30th September 2016. Revenues were US$25 million representing a year-on-year increase of 34%. However, net income posted a slight drop of 1.6%, down to US$3.9 million.
As of 30th September, Made-in-China.com claims to have 14,243 registered members, of those, 13,249 were registered on the flagship English-language platform, and the remaining 994 were registered on the Chinese-language platform.
Source: Business Strategies Group Hong Kong – www.bsgasia.com


If you were one of the small business owners who received a Paycheck Protection Program (PPP) Loan from the Small Business Administration (SBA), it is vital for you to understand how to use your PPP funds. To assist clients and community members, we’ve provided a recording of our webinar and a PDF guide to help answer your questions. Here are some of our key recommendations.
Separate the Funds
We recommend you keep your loan proceeds segregated from your regular funds to aid in calculation and documentation for forgiveness. Continue to pay your payroll and bills out of your normal account and then reimburse that account with loan funds. This is important because there are certain parts of payroll that are not forgivable (like employer FICA taxes). If you run an entire payroll through an account with loan funds, you will inevitably spend unforgivable money, which you will have to pay back.
Run a Calculation
After receiving your loan funds, the first thing you can do is breathe a sigh of relief. The second thing you need to do is run a calculation to determine how much of your loan can be used on qualified expenses besides payroll. 75% of your loan must be used on payroll (including healthcare and retirement) and the other 25% may be spent only on the qualified expenses of rent, mortgage interest, and utilities (electricity, gas, business transportation, water, phone, and internet).
So, take your loan value and multiply by 25% – this is the most you can spend on other qualified expenses (rent, utilities, and interest on mortgage obligations). Estimate the amount you will spend on 2 months of these expenses to see how close your actual amount is to the calculated amount. Refer to pages 4-6 in our guide for clarification on this calculation.
Ask for Help
If you are concerned or have questions, this is not a situation to “wing it”. If you spend these funds on unqualified expenses, you can be charged with fraud. If you use these funds to pay for more than 25% of non-payroll qualified expenses, you are going to be left with debt on this loan. Running the payroll calculation part can be especially difficult because there are many factors to add in, varying salary levels, and sometimes even varying benefits among your employee group to consider.
If you are interested in getting help with your loan use or forgiveness calculation, please email us at [email protected].


Q&A 1: Corporation or proprietorship?
Question. Are the business travel documentation rules different if I operate my business as a corporation versus as a proprietorship?
Answer. Yes and no.
Not different. Regarding deductions for lodging, meals, or other travel expenses, the rules governing receipts, business reasons, and canceled checks are the same for corporations, proprietorships, individuals, and employees.
Different. If you operate as a corporation, the corporation is a separate legal entity from you. You are an employee of that corporation. To get the best tax results, you
- need the corporation to reimburse you for the travel expenses, or
- have the corporation pay the travel expenses.
Either way, you have to document the travel expenses as explained in the answers below.
Big change. The Tax Cuts and Jobs Act eliminated for the years 2018–2025 your ability to deduct employee business expenses on Form 1040. Thus, as an employee of your corporation, the only way to realize the tax benefit for travel is via direct corporate payment of the travel (say, via a corporate credit card) or reimbursement to you.
Q&A 2: Do I Have to keep a Tax Diary for My Business Travel?
No, but the timely records you keep must prove the four elements below:
Amount. The amount of each expenditure for traveling away from home, such as the costs of transportation, lodging, and meals.
Time. Your dates of departure and return and the number of days on business.
Place. Your travel destination, described by city or town.
- Business purpose. Your business reason for the travel or nature of the business benefit derived or expected to be derived.
Q&A 3: Is There an Easy Way to Keep a Tax Diary?
Yes. Use the Tax Diary System. Here is what the entries for a day of travel would look like:
The system captures the four elements that the IRS requires, including the date—the date is above the snippet you see in this image.
Yes, this is a paper copy, and there are dozens and dozens of smartphone apps for travel. We’re sure some of them are good, but we haven’t tested them in depth and don’t know which ones to recommend, so we don’t have a recommendation.
But this we know for sure: spending a little time putting your travel expenses in the Tax Diary System helps you make sure you capture all the expenses and record the necessary information.
Q&A 4: Why Are Travel Meals Separated from Other Travel Expenses?
Lawmakers don’t like the meals you eat while traveling. To prove their point, they enacted a 50 percent cut in your tax deductions for travel meals.2
In the image above, travel meals and snacks total $123 for the day. On your individual or corporate tax return, you enter half that amount as a tax deduction. On the corporate return, the other half is a Schedule M-1 adjustment.
Q&A 5: Do I Need Receipts?
Yes and no!
When in tax-deductible travel status, you need a receipt, paid bill, or similar documentary evidence to prove3
- every expenditure for lodging, and
- every other travel expenditure of $75 or more, except transportation, for which no receipt is required if one is not readily available.
Q&A 6: What Is a Receipt?
The receipt is a document that establishes the amount, date, place, and essential character of the expenditure.4
A hotel receipt is sufficient to support expenditures for business travel if the receipt contains the5
- name of the hotel,
- location of the hotel,
- date, and
- separate amounts for charges such as lodging, meals, and telephone.
example. A restaurant receipt is sufficient to support an expenditure for a business meal if it contains the6
- name and location of the restaurant,
- date and amount of the expenditure,
- number of people served, and
- if a charge is made for an item other than meals and beverages, an indication that such is the case.
Q&A 7: Credit Card Statement and Canceled Checks
Question. Can’t I simply use my credit card statement as a receipt?
Answer. No. Your credit card statement is like a canceled check. It proves only that you paid the money, not what you purchased.7
To prove the travel expenditure, you need both the receipt (proof of purchase) and the canceled check or credit card statement (proof of payment).
Q&A 8: What Is a Timely Kept Record?
The IRS says that a log maintained on a weekly basis that accounts for activity during the week creates a timely kept record.8 This is good. In other words, the IRS deems that you meet the requirement to record your travel expenses at or near the time you spend the money when you keep a weekly or more frequent log.9
Q&A 9: $75 Rule Allows Cheating
Question. Since I don’t need a receipt for a travel expense under $75 other than lodging, how does the IRS know that I’m not cheating?
Answer. Where did you get the cash to pay the expense? Did you make an ATM withdrawal? Did you cash a check? You can see that the IRS has many ways to know.
Q&A 10: Should I Keep Receipts If the Expense Is Under $75?
Yes. We can think of no reason not to keep the receipt, regardless of the amount.
Think about it. The receipt is proof positive. When the travel expense is less than $75, the IRS allows you to simply write down the expense, but doing so is not proof positive as it is with the receipt.
We advocate proof positive for your travel records. This helps the IRS imagine that you have great records for all your expenses.
Q&A 11: What Are Travel Expenses?
In a nutshell, a travel expense is an expense of getting to and from the business destination and an expense of sustaining life while at the business destination. Here are some examples from the IRS:10
Costs of traveling by airplane, train, bus, or car between your home and your overnight business destination
- Costs of traveling by ship (subject to the luxury water travel rules and cruise ship rules)
- Costs of renting a car or taking a taxi, commuter bus, or airport limo from the airport to the hotel and to work destinations, including to restaurants for meals
- Costs for baggage and shipping of business items needed at your travel destination
- Costs for lodging and meals (meal costs include tips to waitstaff)
- Costs for dry cleaning and laundry
- Costs for telephone, computer, internet, fax, and other communication devices needed for business
Tips to bellmen, maids, skycaps, and others
Q&A 12: Submitting Travel Expenses to Your Corporation
When you operate your business as a corporation, keep in mind that the corporation is a separate legal entity (person) from you.
If you incur travel expenses on behalf of the corporation, you can’t deduct those expenses personally as employee business expenses because such expenses are not deductible for years 2018–2025 thanks to the Tax Cuts and Jobs Act.
This means that you need to submit the expenses to the corporation for reimbursement. You want to do this under an “accountable plan.” Essentially, this means you will submit the expenses in a manner that documents the expenses in accordance with the IRS rules.
One simple way to do this is to give your corporation your Tax Diary System pages for reimbursement, supported by the appropriate receipts.
If you prefer, you can submit an expense report to the corporation that satisfies the IRS requirements for the travel deductions. This means proving where you were and why, along with documenting that the travel record submitted or summarized was kept on a timely basis and that the expense report contains the required receipts.
Finally, consider using a corporate credit card and properly documenting the expenses. With this method, make sure you settle any cash advances and cash out-of-pocket payments with the corporation on a timely basis, meaning within a
week. You can do this with entries in the books of account, reimbursement to/from petty cash, or by check to/from the


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While both types of loans provide you with the money you need, the main difference between an installment loan and a Payday Loan is the loan term and fee structure. A payday loan is usually due in full on your next pay date, whereas an installment loan is repaid through a series of scheduled payments that are typically set up to land on your pay dates.
All applications are submitted to our lenders for review and possible approval. Not all applications are accepted. Reasons for denial vary by lender and are not in the control of CashOne. Do not contact us for reasons for denial as we are unable to provide these. If approved, ask your lender any questions you may have about your terms and conditions. You are not obligated to accept any loan offered to you. We are not a lender.
We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.


Winter is not too far away now, and this is about the tie when many people start experiencing dry and chapped lips quite often. This is not only a concern for healthy or nice looking lips, but also because cracked and peeling lips are quite painful, which is what happens when chapped lips go untreated. Evolution of Smooth has the perfect solution for the majority of people with their moisturizing and fun lip balm spheres. Their applicator balls sets their product apart not only in looks, but it is also safer and does not leak or melt like many other stick applicators do.
Evolution of Smooth also provides many different fun flavorsand scents with their lips balms, all of which are made with quality ingredients and contain vitamins and minerals that promote healing, such as Vitamin A and E. They also use high quality ingredients and oils as a staple, such as coconut oil and Shea butter. Not only this but all EOS products are dermatologist tested and hypoallergenic.
Today, Evolution of Smooth‘s products have gained a massive number of followers from all over, and their lip balms can be found at most retailers around the nation as well as at many online retailers. They provide a variety of lip balms for different purposes, such as their Active Protection Smooth Sphere, which contains SPF protection for those who are active and out in the sun for good potions of the day.
They have other Smooth Spheres types for providing the lips with more shine or suppleness as well. In any case, EOS has a balm to meet the needs of nearly anyone. With regular use, EOS lip balms will not only heal chapped lips, but they will prevent it in the future. For more information, check out the website evolutionofsmooth.com and the company’s Linked In page.
Investing in real estate can be an ideal way to diversify any portfolio. An investment in real estate can pay dividends and allow the investor to properly prepare for retirement. Purchasing a property in the United States requires a full understanding of the market. The United States real estate market is relatively stable, allowing investors to be part of an overall housing market where demand is fairly high. One way to make this process easier is with the help of a new app. Those who are considering investing in real estate in the United States can use this app to consider whether or not a given investment property is right for their specific needs and their overall fiscal viewpoint. With this app, the investor can tap into the skills and knowledge of the Davos Real Estate Group, allowing them to make more informed real estate investment decisions.
The Davos App
The new mobile application has been called the “Davos CAP Calculator.” It is seen by many investors as an innovative tool that will help offer any investor access to the kind of information they need as they go through the process of investing. This app has been specially designed by expert investors at the group. The aim of the calculator is to offer specific criteria such as diversification, the potential for improved levels of long-term performance, the possibility of having protection against any inflation that takes into account the kind of rental income that the buyer can expect to see, and the overall needs of the market at any given time. With their help, it is easy to consider why one property might be better than another property.
David Osio Knows Real Estate
The head of the Davos Real Estate Group is David Osio. Osio has been involved in the real estate business for many years. During this time, he has been an important part of the real estate industry and a useful asset to his clients. He has also been part of many real estate transactions, allowing him to offer the kind of expert advice that can really make a difference for any investor. With his help, his clients have discovered just how easy it is to use their funds to get the right kind of real estate investment, one that will remain a hedge against any potential possible inflation and allow clients to see their funds really grow.
One fund, Hayman Capital Management, is making some large bets. And it is run by Kyle Bass, a recognized investment manager who is credited with correctly predicting the financial crisis in 2008. His hedge fund hasn’t been performing that well recently, and now Bass bets on a major decline in China.
Hayman Capital Management has sold part of its holdings in various equities, bonds, and commodities. This money is now going into leveraged bets against Chinese currency as well as Hong Kong dollar. In fact, 85% of fund’s portfolio is invested into these bets. It’s a quite risky play, but if these bets pay off, the gains can be huge.
Bass believes that Chinese yuan can fall as much as 40% over the next few years. According to him, China is currently facing a huge macroeconomic imbalance. A multi-trillion corporate bond market in the Middle Kingdom is freezing, he claims.
So far this year, several issuers have defaulted on their debts, while multiple new debt issues have been suspended or canceled. However, he doesn’t think there will be a massive collapse like that of 2008 in the United States.
Bass believes that Chinese authorities will recapitalize their banks, expand Bank of China’s balance sheet just like the Fed did, and cut reserve requirements as well as drop deposit rates to zero. This should prevent Armageddon, but still is likely to lead to yuan’s depreciation.
Kyle Bass is a controversial figure. In the past, he made headlines with his comments and bets. One of these involved shorting stocks of drug companies and then suing them over patents.
Ladies, does your hair have that stripped or damaged appearance? Does your hair feel brittle and is constantly breaking on the ends? Is your natural hair hard to manage? Well, all these issues can easily be resolved with just 3 words: proper haircare products!
WEN is a natural haircare product developed by Chaz Dean. As a novice stylist, Chaz was enlisted by a former manager at a well-known Beverly Hills salon to develop a unique deep conditioning formula. With the success of that product, Chaz was later charged to develop a natural haircare product that did not strip your hair of its natural oils, but strengthened and beautified. Wen hair has been tested and shown to work on all hair types.
WEN hair products have paved the way in haircare by offering a no lather cleansing conditioner. This cleansing conditioner is unique because it replaces the typical process of haircare (shampoo, condition, deep condition, detangle, and finally leave-in conditioner); therefore, eliminating unnecessary time spent on your hair. This cleansing agent follows a simple 3 step process. First, using your fingers you simply message the cleansing conditioner into the hair. Second, you allow the conditioner to set in the hair for several minutes. Third, you simply rinse the hair thoroughly. That’s it, simple and quick. This formula has also been designed to work as a leave-in conditioner.
It is important to choose the best haircare products on QVC to manage your haircare needs. These are products that do not leave the hair with a heavy residue or give your hair a greasy appearance. A good conditioner will detangle your hair, help manage frizz, and offer other benefits such as UV protection. When used as instructed, the proper haircare product will save you time and be your best friend in a bottle.
ConnectUs Automated Forms is a new platform recently launched by Securus Technologies of Texas. Securus Technologies caters to some 1.2 million inmates across the US, each of which average about 13.8 complaints and grievances forms a month. Those inmates wrack up quite a few additional forms on a monthly basis, too; which is why for years Securus has been working on a means of consolidating that information into a digital system that can handle the load. ConnectUs has arrived as a result, and represents a customizable set of digital storage and filing which has basically unlimited potential. It has a bevy of applications whose scope is rather wide, and have enough customization undergirding them that they too are essentially infinite. Inmates can file a form and monitor its progress live, if it’s within their rights to do so. Correctional facilities can meter exactly how much use a prisoner may or may not be privy to. Restrictions and allowances are entirely customizable to the client’s wish, as per Securus‘ intention. Nurses at correctional facilities have already shown an ecstatic response to the new software. Especially on the medical side of things, paperwork can get pretty monstrous.
Securus Technologies have always had a prime focus on ensuring the most cutting-edge options available be developed to suit the needs of their clients. For a small company (between 500 and 1000 employees, according to LinkedIn), Securus has a national impact that could end up being socially positive in more ways than one. If millions can be saved every year on infrastructural paperwork, that money can be allocated to improved rehabilitation programs which release inmates back into society at statistically lowered rates of recidivism. At least, that’s the hope. Time is the only thing that can really tell on such a score; but with ConnectUs Automated Forms, additional budgetary means will definitely be available to correctional facilities in the days to come.
Wen hair by Chaz Dean is a particular line of hair care products. It is a unique and attractive brand, received wide following and promotion as a whole. Many are the online social media followers, through all known sites such as: Twitter, Instagram, You Tube, Reddit, and even Snap Chat!
What is particularly cool about these products, per say….is the amount of time in which one notices results. It is actually quite quick and easy to realize! All that it really takes is a mere test run of seven days! In seven days, you will see what this particular and unique line of products can do for your hair. Indeed, seven is the magic number here…..and seven will do the trick!
It only took seven days for Emily McClure to try out this product’s unique conditioner and notice the immediate changes which it produced in her own hair and scalp. The results were just out of this world, and serve as a solid example to any one out there who may be a bit more skeptical or lacking confidence….in what this line of products can do! Well, here it is: the proof lies in the pudding! And boy oh boy, does it taste yummy!
Bustle.com holds the article written by Emily, her own personal experience and one of a kind transformation. The article may be read in full at: (http://www.bustle.com/articles/136320-i-used-cleansing-cleansing-conditioner-on-my-fine-hair-heres-what-happened). I highly encourage it. You do, after all, have nothing to lose and much to gain from trying out this special product! All it takes is a week and you will see for your self!
In this online web site article post, Emily documents her experience day by day….providing photos taken of her hair for each unique day. She also included ‘before’ and ‘after’ photos of using the product for herself. Wen hair products are available on total beauty and sephora cosmetics.
Several years ago, Madison Street Capital was created and today they are one of the top performing financial institutions in the United States. During the fourth quarter of the 2015 season, they increased their profits by twenty-seven percent. The hedge fund was low across the US but Madison Street Capital also showed strength in this area. According to PR.com, the company is gaining respect across the world and are making waves with both the employees and the customers they serve. Their professionals know how to get the job done, which in turn impacts the customers in a positive manner.
One of the goals of Madison Street Capital is to focus on their customers. They do this through a variety of services, including advising corporations with mergers and acquisitions, capital restructuring, and bankruptcy. Another aspect would be validation of a business or validation of financial reporting. Their knowledgeable staff also help with financial opinions and asset management. Read more: http://centraljerseyworkingmoms.com/all-you-need-to-know-about-madison-street-capital/
Some of the customers this boutique bank works alongside include Bond Medial Group, Central Iowa Energy, and Fiber Science, Inc. These are just a few of their customers, which currently include over 100 companies. Majority of these companies are middle market firms. Their goal is to find the perfect match between sellers and buyers. They understand the importance of this for international businesses trying to enter the United States market and are their to help these companies be successful in their transitions. Madison Street Capital’s reputable team are versatile and are read to lead or co-manager many of the transactions that business firms are looking for.
The company is a registered broker-dealer and a financial industry regulatory authority. Their senior professionals include business expert Karl D’Cunha, Jay Rodgers, Barry Peterson, and Reginald McGaugh. The company is located in Chicago, Illinois and can be reached at (312)529-7000
Businessman and entrepreneur Jim Hunt is known as one of the most accomplished people in the financial industry. He has always found ways to reinvent himself and teach others how to be successful.
Hunt knows the financial industry is constantly changing. He has created something new to help navigate the market and help individuals gain more confidence in the industry. One of the main reasons why people find themselves so intimidated with investing is due to lack of knowledge. Even experts have to learn over time. With Hunt’s new VTA Publications system, all of the guess work is taken out and replaced with real-time data and variables that can be plugged directly into the system.
Hunt’s system puts together investments and education. As long as the right tools are available, people can be taught how and why things work. People learn differently. When concepts are broken down to their most basic level and made relatable, very good things can happen.
VTA Publications is one of the largest suppliers of long-distance learning and non-fiction publications in the U.K. People all over the world appreciate the services and the wide variety of publications available.
Shaygan Khedapir is the new Coriant CEO. If the name appears ti be very familiar, then it means that you might have heard of the name in 2014 news headlines when he was the Juniper Networks CEO. He served as the CE of Juniper networks for ten months. Before he joined the company, he had been working with Barclays Bank as the technology officer and operations manager.
Less than a year after exiting from the company, he is now running Coriant and has taken over Pat DiPietro, who is now the vice chairperson of the enterprise. Pat DiPietro returned to his earlier position as a partner at the Marlin Equity Partners. This is a private equity company that put together Coriant by stitching together the splits that were as a result of the breakdown of three major companies including Nokia, Sycamore Networks, and Tellab.
Shaygan Kheradpir is never walking into the business with a blind eye. As a matter of fact, he is walking into the company with his eyes wide open for the sexing of the opportunities that are going to be presented to him in the company. A vendor who has been working closely with Shaygan Kheradpir says that he is going to collaborate closely with the management of the company as well as the workers of the company to bring it to success and innovation.
The same vendor also says that the 28 years of industrial experience that Shaygan Kheradpir has are not a waste of time but rather the years that represent the proven track record of his performance in the corporate business and innovative world and leadership. He has a proven record of performance in the several leadership positions that he has served in the years in financial services and technological institutions in the country.
DiPietro says that they are so lucky and privileged to work with him because he is a world-class leader who is going to uplift the company. He says that his insight and strategic plans for the company areas of outstanding and exceptional and have been valuable for the companies that he has led all through the years of his experience in the corporate world.
Shaygan has been a CEO in numerous institutions one of them being the Juniper networks. He has also served as a technological leader and operations manager in Barclays Bank where he helped the bank in mobile banking innovation that was its future.
David Osio is a financial expert based out of Fort Lauderdale and Miami, Florida. He attended and earned a law degree from the Andres Bello Catholic University in Venezuela. He also attended New York Financial Institute and Instituto de Studios Superiors Administrativos. David Osio’s specialities include banking, tax planning, asset management, and providing support with business portfolio structuring.
Osio is the founder of and currently serves as the Chief Executive Officer of Davos Financial Group, a company that he founded in 1993 after experiencing much success in banking law and financial advising with other companies and firms. The company is located in the Coconut Grove area of Miami, Florida. This Financial Group is comprised of various independent financial companies that provide both financial and real estate services. The company is active on various social media websites, including Twitter, LinkedIn, and Facebook. The company’s business strategy and risk management focuses on risk assessment, consolidation, and diversification. Davos Financial Group has offices across the globe including locations in Miami, Florida, Geneva, Panama, and New York City, New York. Before founding Davos Financial Group Osio served as the Vice President of Commercial Banking for Banco Latino International. He also worked for Swiss Bank Corporation and the Financial Institute of New York.
Ohio is devoted to providing the most up to date financial support to his clients. Most recently David Osio launched a new mobile application called the Davos CAP Calculator. The purpose of this application is to provide clients with an estimate of their return on real estate investments. Davos Real Estate Group teamed up with Tecknolution to design this mobile application. The application is available for use on both Android and Apple devices. Feature of the application include providing historical real estate reports of various properties.
Although David Osio is devoted to maintaining his successful career within the financial industry, he also enjoys spending time devoted towards various social and artistic causes within his communities. He has provided support to Venezuela’s Children Orthopedic Hospital, the Miami Symphony Orchestra, the Wayuu Taya Foundation, the Saludarte Foundation, UMA Foundation, EPK, and the UMA Foundation.


Nursing homes have 210,000 fewer workers than before the pandemic, bringing workforce levels to the lowest they have been since 1994, according to a trade group representing nursing homes.
The long-term care jobs report, released last week by the American Health Care Association and National Center for Assisted Living, outlines the sector’s dire staffing conditions.
While nursing homes have filled a monthly average of 3,700 jobs over the last nine months, at that rate it would take nursing homes until 2027 to return to pre-pandemic staffing levels, the AHCA/NCAL found.
A lack of outside funding and prioritization from federal and state public health officials has made it challenging for nursing homes to address staffing shortages and closures, as many do not have the funds to hire staff or use updated technology to streamline operations, the organization said in a statement.
“We need long-term investments and programs from policymakers to attract individuals to serve our nation’s seniors,” the AHCA said. “The financial reality is that nursing homes are on a fixed government budget, and for decades, Medicaid has failed to adequately fund the actual cost of care for our nation’s most vulnerable.”
Medicaid covers services for 62% of long-term care residents, amounting to $50.8 billion in revenue for nursing homes, according to a Kaiser Health News report.
The trade group’s report comes as the Biden administration takes steps to address the quality of nursing homes by improving accountability and staffing efforts. Over the past year President Joe Biden has proposed a number of policies to address nursing home quality and safety, including a plan to set minimum staffing requirements. The plan was opposed by some in the industry, including the AHCA, for its expected cost.
To increase staffing minimums to the recommended ratio of 4.1 hours of nursing care per resident per day, nursing homes will require around $11.3 billion in additional funding annually, according to a report by accounting and consulting firm CliftonLarsonAllen.
Last week, the Biden administration, along with the Department of Health and Human Services and the Centers for Medicare and Medicaid Services, announced actions to make nursing home citations more visible to families and reduce the use of antipsychotic medications.
Trade groups estimate the cost of the changes will be too great for nursing homes to bear. As a result, the industry has looked to Congress for funding.
Since March 2021, the AHCA has been advocating for Congress to consider the policy proposals in its reform agenda, the Care For Our Seniors Act, and incorporate them into relevant legislation. The proposals include workforce improvements and offering loan forgiveness, tax credits, affordable housing, child care assistance and immigration reform to long-term care professionals.
The AHCA and LeadingAge, a system of nonprofit aging services providers, have suggested increasing Medicaid reimbursement rates to equal the cost of care, using additional federal funds to pay for nursing facility rates and establishing federal guidelines for reasonable cost definitions.
Even though most nursing home providers have increased wages and offered bonuses to recruit and retain staff, 96% still have trouble filling positions, according to a June 2022 AHCA survey. Around 78% have hired temporary agency staff to adjust for shortages.
The average nursing home employee turnover rate is 53.3% within a year, according to a 2022 study by the Long Term Care Community Coalition, a New-York based nonprofit organization focused on quality care.
The exodus of staff meant that only 26.8% of nursing homes met the essential total care staff threshold of 4.1 hours per resident day in 2022, the coalition found.


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Latest Stories and News
The vast majority of Apple stores closed due to the Covid-19 pandemic are located in the U.S., Morgan Stanley says
- 4 months ago
- There were 100 Apple retail stores that were closed around the world at the end of last week, and 92 were located in the United States, according to Morgan Stanley analysis.
- Apple says it is monitoring Covid-19 conditions community by community out of an “abundance of caution,” and has reclosed more than 77 stores in the United States in recent weeks.
- Apple stores are often in major malls or business districts, making it a key indicator of how smoothly and where retail operations can restart amid the coronavirus pandemic


The USDA on Friday, March 29th, released a funding notice for the Rural Energy for America Program (REAP) for 2013. While the funding levels have diminished, the funding this year will help hundreds of renewable energy and energy efficiency projects around the country reach fruition.
REAP supports a broad range of renewable energy and energy efficiency technologies. With REAP farm energy includes energy efficiency, wind power, solar, hydroelectric and bioenergy of many sorts.
It’s important to note that the deadline for grants for feasibility study or project construction is April 30. This is a very tight turnaround – the shortest in the history of the REAP program. However, the timeline for loan guarantees is generous – a deadline of July 15, 2013.
Competition will be strong as overall funding available is now only $20.8 million. The USDA hopes to allocate one half each for grants and loan guarantees. If the USDA succeeds in using $10.4 million in funding for loan guarantees, the risk-adjusted level of loan guarantees would be $43.4 million.
The USDA has set aside $4.1 million to fund grants of $20,000 or less. This reflects the emphasis placed by Congress on small projects in the 2008 Farm Bill.
Feasibility study funding has been capped at $250,000 nationwide. The USDA provides no reason for this cap.
Interested parties should contact their state USDA Rural Development Energy Coordinator
. You can download the official funding notice here


Italian pig iron demand has flatlined, with no transactions reported over the past two weeks. May values will inevitably fall as offers from Russian companies allowed to sell in the EU are declining by some $15/tonne on average compared to mid-April, as expected.
Buyers are in wait-and-see mode, convinced that contracts will decline in line with falling scrap prices in Europe and Turkey, Kallanish hears. Russian sellers are offering pig iron to distributors at $46…
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One of the Fortune 500 company's biggest purchases comes as hospitals are under pressure to implement better in-house safety programs.» Read More
NEW YORK-- Mayor Michael Bloomberg will spend at least $10 million of his personal fortune promoting moderate candidates around the country in the final weeks before Election Day, he announced Wednesday, adding himself to the list of wealthy Americans pouring millions of dollars into the 2012 election.
LOS ANGELES-- The Beverly Hilton's International Ballroom will soon be filled with flowers, chiffon, fine china and crystal stemware for a starry black-tie ball costing couples as much as $20,000 to attend.
CHICAGO-- As Chicago struggles to quell gang violence that has contributed to a jump in homicides, a top elected official wants to tax the sale of every bullet and firearm _ an effort even she acknowledges could spark a legal challenge.
Shares of Abbott Laboratories continued to slip Thursday in premarket trading, a day after the drug and medical device maker reported third-quarter results and delivered an update on its upcoming business split.
Fifth Third's net income available to common shareholders fell to $354 million, or 38 cents per share, from $373 million, or 40 cents per share, a year earlier.
PARIS-- The burglars dashed out the back door with seven masterworks, then sped on screeching tires into the night. If the thieves who robbed Rotterdam's Kunsthal exhibition this week don't have a plan, the stolen art could quickly become a burden.
CHICAGO-- Grains futures rose Wednesday on the Chicago Board of Trade. Wheat for December delivery gained 8.5 cents to $8.5625 per bushel; December corn rose 7.25 cents to $7.455 per bushel; December oats increased 3.25 cents to $3.9575 per bushel and November soybeans gained 15.5 cents to $15.0925 per bushel.
WASHINGTON-- Drug and medical device maker Abbott Laboratories reported a higher third-quarter profit Wednesday, edging past analyst expectations, even as revenue slipped. Spokeswoman Adelle Infante said that the layoffs were in Abbott's nutrition, medical devices, established pharmaceuticals and molecular diagnostics divisions.
NEW YORK-- McDonald's Corp. reports its third-quarter results Friday, which should give a glimpse of how the world's biggest hamburger chain is coping with intensifying competition and the challenging global economy. WHAT TO WATCH FOR: After outperforming its rivals for years, some analyst think McDonald's may be entering a period of slower growth.
Home theaters and wine cellars have trickled down to the masses. What follows are truly exceptional features that you won’t see in just any mansion!
CHICAGO-- Grain prices rose Wednesday in early trading on the Chicago Board of Trade. Wheat for December delivery rose 3.25 cents to $8.51 per bushel; December corn gained 0.75 cent to $7.39 per bushel; December oats were unchanged at $3.9225 per bushel and November soybeans increased 4.25 cents to $14.98 per bushel.
DOWNERS GROVE, Ill.-- Dover Corp.' s third-quarter net income rose 40 percent, helped by acquisitions and by the absence of a big loss tied to discontinued operations from a year ago. Dover earned $241 million, or $1.31 per share, in the quarter ended Sept. 30, compared with $172.3 million, or 91 cents per share, a year earlier.
LISLE, Ill.-- Heavy truck and engine company Navistar International Corp. said Wednesday that it named John Pope to its board. Pope's appointment and Harrison's retirement are effective immediately, keeping the total number of Navistar board members at 10, Navistar said.
JACKSON, Miss.-- A federal appeals court has upheld the more than 14- year sentence George Coe Jr. received for his role in a telemarketing scam case in Mississippi. Prosecutors said the scam netted tens of thousands of dollars from victims in California, Illinois, Kansas, Maryland, Michigan, Mississippi, New Hampshire and Vermont.
WASHINGTON-- Drug and medical device maker Abbott Laboratories reported higher third-quarter profit Wednesday, edging past analyst expectations, even as revenue slipped. Net income for the three months through Sept. 30 jumped to $1.9 billion, or $1.21 per share, from $303 million, or 19 cents per share, a year ago.
BELLEVILLE, Ill.-- The families of a three babies sickened by a rare bacterial infection, including a 10- day-old Missouri infant who died, filed a lawsuit Tuesday against the Illinois- based manufacturer of a powdered baby formula that they believe is responsible.
CHICAGO-- A for-profit nursing home company owned by a politically connected Chicago businessman is a partner in a project Illinois Gov. Pat Quinn announced Tuesday that aims to control health spending for high-cost Medicaid recipients.
CHICAGO-- Northern Trust Corp. said Wednesday that its third-quarter net income rose 5 percent due to higher fees from clients for managing their money. The wealth management firm, which is based in Chicago, earned $178.8 million, or 73 cents per share, in the three months through Sept. 30, up from $170.4 million, or 70 cents per share, in the same quarter last year.
CHICAGO-- Houston, San Francisco and South Florida are bidding for the 2016 and 2017 Super Bowls. NFL owners will vote next May between San Francisco _ the 49 ers are building a new stadium in Santa Clara, Calif., _ and South Florida for the 50th Super Bowl in 2016. The loser of that race will then compete with Houston for hosting the 2017 game.
CHICAGO-- The NFL is doubling down on London. The league announced Tuesday that the Minnesota Vikings will host the Pittsburgh Steelers at London's Wembley Stadium on Sept. 29, 2013. This is the first time the NFL will play two regular-season games in London in the same season.


Unitika Ltd operates within the Fabricated textile products sector.
In addition to historical fundamental analyses, the complete report available to purchase compares Unitika Ltd with three other
miscellaneous apparel manufacturers in Asia:
Komatsu Matere Co Ltd
sales of 36.53 billion Japanese Yen [US$339.68 million]
Filatex India Limited
(27.82 billion Indian Rupees [US$368.62 million]
Nitto Seimo Co., Ltd.
(18.35 billion Japanese Yen [US$170.63 million]
During the year ended March of 2020, sales at
Unitika Ltd were ¥119.54 billion (US$1.11 billion).
decrease of 7.4%
versus 2019, when the company's sales were ¥129.10 billion.
Contributing to the drop in overall sales was the 91.1% decline
in Other, from ¥1.53 billion to ¥137.00 million.
There were also decreases in sales in
Polymer Business (down 9.0% to ¥56.41 billion)
Fiber Business (down 5.6% to ¥49.89 billion)
However, these declines were partially offset by the increase in sales of
Functional Materials Business (up 2.8% to ¥13.09 billion)


Docusign is cloud-based eSignature software with the most accurate and secure way to sign and send documents for business, legal, and medical use. Docusign is also used as a powerful workflow tool for eContracts, and e-invoicing.
Xero is a cloud-based accounting software platform for businesses from all sizes. It connects businesses with their bank, accounting tools, their accountant, payment services and third-party apps, so everything is securely available at any time, on any device.Xero Integrations
It's easy to connect DocuSign + Xero without coding knowledge. Start creating your own business flow.
Trigger when a status of the envelope changed.
Triggered when you add a new bill. (Accounts Payable)
Triggered when you add a new contact.
Triggered when you receive a new payment.
Triggered when a new quote is created.
Triggered when you add a new sales invoice. (Accounts Receivable)
Create Signature Request
Transfers money between two bank accounts.
Creates a new bill (Accounts Payable).
Creates a new credit note for a contact.
Creates a new quote draft.
Applies a payment to an invoice.
Creates a new purchase order for a contact.
Creates a new sales invoice (Accounts Receivable).
Creates a new contact or updates a contact if a contact already exists.
Creates a new item or updates a item if a product already exists.
This report will look at how DocuSign, a cloud-based e-signature provider, and Xero, a cloud-based small business management software and accounting service provider, are partners. How DocuSign and Xero integrate with each other by communicating with each other’s API.
DocuSign is an e-signature provider for businesses. It helps businesses digitize documents and signatures in order to save time and money, and improve efficiency. DocuSign has over 10 million users, over 3 million registered users, and over 6 million documents signed per week. There are over 100 million signed contracts on the DocuSign system as of January 2017.
Xero is a cloud-based small business management software and accounting service provider. It can be used to manage financial records, payrpl, inventory and sales tax. The company was founded in 2006 and is headquartered in Wellington, New Zealand. Xero’s CEO is Rod Drury.
Xero has over 5 million customers using its software in over 180 countries around the world. It’s used by small businesses such as law firms, accountants, financial advisors and bookkeepers, as well as freelancers working with invoicing and bookkeeping. In December 2016, Xero announced that it had added support for Quicken Online. This allowed integration between Quicken Online and Xero.
In January 2017, it was announced that Xero and DocuSign were partnering up to make business processes easier by connecting the two companies’ APIs. This would allow the companies’ users to sign a document from DocuSign, send it to Xero for automatic processing and then make sure the document is saved in their Xero systems. It’ll also make sure that all of the signatures are counted in Xero’s signature analytics report.
Xero has been working together with the company DocuSign to allow the two systems to communicate with each other. This will allow their users to use DocuSign to digitally sign documents online and send them to Xero for automated processing and archiving in the cloud.
The process to integrate DocuSign and Xero may seem complicated and intimidating. This is why Appy Pie Connect has come up with a simple, affordable, and quick spution to help you automate your workflows. Click on the button below to begin.


You’ve taken down the decorations and carefully packed them away for another year. Christmas is finally over and life can go back to usual. Of course, there’s that ten extra pounds you put on, the debt you racked up buying those must-have gadgets for the kids, and all those fruitcakes from the neighbors.
From weight loss to after-Christmas sales, we’ve got you covered so you won’t have to experience a post-Christmas meltdown this year.
Two of the most common resolutions people make: save money and lose weight. The trick to keeping resolutions is to make sure they’re practical and realistic. Otherwise you’ll be quickly discouraged, and that way leads to spending money and eating more voraciously than before. We’re going to take things slow and remember that things don’t happen magically overnight.
Even if it’s not a resolution, everyone wants to save money. It’s natural to feel compelled to buy everything your family wants for Christmas, but that leaves many of us looking at empty bank accounts at the start of the year.
Before you overspend on last-minute Christmas gifts this year, try putting away a realistic amount each month. In other words, start saving now. Think about creating a gift budget that is reasonable, and make sure you stick to it so you‘re ready with the funds to enjoy the holiday season. In addition, check out online events with Walmart coupon codes all throughout the year. You’ll save money, as well as time and effort.
Have you been saying that all winter? It’s easy to get into the holiday spirit when you’re making gingerbread houses and baking cookies, but pretty soon it can all add up … on your thighs.
If your diet has been more cookies than cantaloupe lately, use these tips to baby-step toward your bigger goals:
Next to Uncle Ed finally vacating your pullout couch, shopping After Christmas sales is one of the best things about ending the holidays.
Find steep discounts on everything from Christmas decorations to overstocked gifts. If the kids need new coats or you need to restock your wardrobe, now’s the time to strike, with JCPenney coupon codes and other savings.
By pre-planning and taking advantage of all the online sales throughout the year, you’ll set yourself up for a nearly-stress-free Christmas next time around.


Treehouse Capital, LLC is a personal investment vehicle founded by Rob Majteles in 2000. Treehouse is a macro focused, contrarian, investment firm seeking asymmetric returns and willing to be wrong and alone while pursuing them.
Treehouse began by leveraging Mr. Majteles’s broad operating and board experience with technology companies to build a portfolio focused on investments in private and public technology companies and in investment funds, both venture capital and hedge funds. In recent years, Treehouse has focused increasingly on an array of broader public market investing activities.
Mr. Majteles has extensive experience serving on, and chairing, public and private company boards and also serving as a fund advisor and investment committee member. Prior to launching Treehouse, Mr. Majteles was the chief executive officer of three technology companies, succeeding twice in generating superior investment returns for his shareholders and failing once.
Mr. Majteles has also been an investment banker and a mergers & acquisitions attorney. Mr. Majteles received a law degree from Stanford University in 1989 and a Bachelor of Arts degree from Columbia University in 1986. Rob, who is also a cancer survivor, and his wife, Pamela, have three children and live in Oakland, California.


Although there are many websites that provide do-it-yourself legal services, creating a Will without the legal advice of an experienced solicitor can lead to serious problems in the long run. Depending on your financial and family situation, there are many scenarios you may not even think of that can affect the way your estate is distributed. Solicitors who handle Wills can give you a fresh perspective on maximising assets for your beneficiaries, choosing an executor, and including specifics about items you wish to pass on to certain people. If you are excluding a close family member from your Will, your Solicitor can ensure that this is properly documented so there is no confusion later.
Solicitors who specialise in Wills can also help you write other important estate planning documents such as trusts, powers of attorney and advance health care directives, all of which help to ensure your assets, finances, health care, and end-of-life decisions are carried-out according to your wishes. Trusts can be a valuable estate planning tool that may keep some assets from going through probate, and reduce your beneficiaries’ tax liability, protect them from your creditors and help them avoid other complicated issues.


As the expected U. S. military attack on Syria was delayed further by president Obama who said he would as congress for green light, bargain hunters enter the Dubai bourse and sent the market index 3.02% higher to 2,599.35 points on Sunday. Arabtec as the most liquid share gained 6.60% to hit Dhs2.43. Emaar Properties closed 1.74% higher at Dhs5.85. Emaar rival Deyaar surged 12.50% to close at Dhs0.54. Kuwait-based investment firm Almadina was the only security that lost value, ending off 2.38% at Dhs0.614. Some 880m shares were traded, valued at Dhs904m.


This important African American business institution in Memphis was founded in 1906 by Robert R. Church Sr., who had become the wealthiest African American in Tennessee through real estate and other interests. The bank was located on Beale Street across from Church Park and Auditorium. Originally stock could be purchased for ten dollars a share, and the minimum deposit was one dollar. By 1921 the bank boasted that it was the largest bank in the world owned and operated by blacks, with resources over one million dollars.
Church and his son Robert R. Church Jr. served as successive presidents; other early officers included Bert Roddy as cashier, as well as undertaker T. H. Hayes, J. W. Sanford, and attorney J. T. Settle. Directors included the Reverend Thomas O. Fuller of Howe Institute and First Baptist Church, Lauderdale; Bishop N. C. Cleaves of the CME Church; Dr. R. G. Martin, owner of the Memphis Red Sox; and other leaders of the black community. When the neighboring Beale Street Baptist Church faced foreclosure in 1908, the Solvent paid the notes and saved the church.
After the failure of several borrowers in the early 1920s, the bank merged with the Fraternal Savings Bank and Trust in 1927, but its position was perilous. Robert R. Church Jr., who had resigned from active connection with the bank in 1912, deposited fifty thousand dollars to stem the panic. State bank examiners found a shortage of at least five hundred thousand dollars in 1928, and bank president Alfred F. Ward was jailed. Black reaction ranged from shock to scorn. The failure of the Solvent Savings Bank predated by a year the crash of 1929, which shocked the entire financial system of the United States.


Prairie Financial Group operates as a service provider. We offer a variety of options, so you get a retirement savings solution customized to your needs. Because of our open architecture, we can offer access to any fund family. We mitigate your liability by acting as a 3(21) and 3(38) fiduciary for your retirement plan.
Our team will work with you to set up or maintain retirement plans, including 401k plans. We go beyond simply recordkeeping. We also provide additional investment management , financial planning and support services you and your employees need to get the most out of your plan.
Plan on support.
We offer comprehensive services to our business customers and their employees, including:
- Plan design and document creation.
- Investment design.
- Recordkeeping, including reporting, testing, and compliance services.
- Distribution and tax services.
- Employee education services including individual and group meetings.
- Direct investment advice, not just “guidance.”
Prairie Financial Group believes in being a resource for our clients. We encourage plan participants to call us directly with questions about their retirement savings plan. We are happy to discuss their plan, as well as their financial goals and a personal action plan.
Request an analysis of a new or existing plan. Connect with Prairie Financial Group.
Call (262) 522-7400 or Toll-Free (855) 591-2950 or email PrairieFinancialGroup@waukeshabank.com


Otherwise known as the Government Service Insurance Act of 1997 which amended the 20-year old revised charter of the GSIS, known as Presidential Decree No. 1146.
Instituted reforms to increase coverage and expand benefits given by the GSIS to all government employees.
Further amended the Employee’s Compensation Program and State Insurance Fund of the Labor Code of the Philippines and upgraded the benefits structure for all covered employees.
Revised the Philippine Medical Care Act to provide total medical services to the people of the Philippines through a comprehensive and coordinated medical care plan.
Amended the Book Four of the Labor Code of the Philippines, in particular, defined the coverage of the Employee’s Compensation Program.
Expanded, increased and integrated the social security and insurance benefits of all government employees.
Amended the Presidential Decree No. 442 or the Labor Code of the Philippines to effect adjustments needed to coordinate grant of social security benefits.
Also known as the Portability Law which allows the addition of all creditable services or periods of contributions made continuously or in the aggregate of a worker under either the GSIS or SSS for eligibility and computation of benefits.
Established the Philippine Medical Care Plan and created the Philippine Medical Care Commission.
Amended again Commonwealth Act No. 186 to further define life insurance, retirement insurance, compulsory membership and rates of premium contributions.
Amended Commonwealth Act No. 186 to provide immediate life insurance coverage and compulsory membership as well as increase additional life insurance coverage to all government employees.
A retirement option of the GSIS popularly known as “The Take All” Option.
A retirement option of the GSIS which is also known as the “Magic 87”.
The GSIS is created as a social insurance fund for all employees of the Philippine government.
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Intesa Sanpaolo (BIT:ISP) has been given a €2.15 ($2.50) price target by analysts at UBS Group in a report released on Friday, Borsen Zeitung reports. The firm presently has a “neutral” rating on the stock.
A number of other research firms have also recently commented on ISP. Berenberg Bank set a €1.85 ($2.15) price objective on Intesa Sanpaolo and gave the stock a “sell” rating in a research report on Thursday, May 2nd. Morgan Stanley set a €2.20 ($2.56) price objective on Intesa Sanpaolo and gave the stock a “neutral” rating in a research report on Friday, July 26th. Credit Suisse Group set a €1.80 ($2.09) price objective on Intesa Sanpaolo and gave the stock a “sell” rating in a research report on Thursday. Goldman Sachs Group set a €2.00 ($2.33) price target on Intesa Sanpaolo and gave the stock a “sell” rating in a research note on Wednesday, July 24th. Finally, Deutsche Bank set a €2.70 ($3.14) price target on Intesa Sanpaolo and gave the stock a “buy” rating in a research note on Monday, July 22nd. Four research analysts have rated the stock with a sell rating, five have issued a hold rating and four have given a buy rating to the company’s stock. Intesa Sanpaolo presently has a consensus rating of “Hold” and an average price target of €2.25 ($2.61).
Intesa Sanpaolo has a 52-week low of €2.39 ($2.78) and a 52-week high of €3.23 ($3.76).
Intesa Sanpaolo S.p.A. provides various banking products and services. It operates through Banca dei Territori, Corporate and Investment Banking, International Subsidiary Banks, Asset Management, Private Banking, and Insurance segments. The company offers lending and deposit products; corporate, investment banking, and public finance services; industrial credit, factoring, and leasing services; asset management solutions; life and non-life insurance products; and bancassurance and pension fund, and fiduciary services.
Read More: What is a blue-chip stock?
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The German government is investigating allegations of years of price fixing on the market of potatoes and onions. The Bundeskartellamt has already performed a house search at nine businesses, while five other companies are also under investigation. Damages for consumers could surpass a billion euro.
Fraud damaging farmers and consumers?
The government service suspects that a central person called several suppliers of onions and potatoes when making big orders for supermarkets, to agree upon a price, from which only slight deviations were possible. In 80 to 90 percent of the time the system is said to have worked. According to German press releases retailers could multiply their profits tenfold.
According to newspaper Süddeutschen Zeitung companies could have earned up to 100 million euro extra in ten years from working this way. Competitor Bild Zeitung mentions fraud worth a billion dollar over ten years’ time. The practice was not limited to onions and potatoes ready for consumption, but was also used for seed potatoes. This way also farmers got lifted.
There are however also some observers who have doubts: the prices for potatoes in German stores are situated in the lower or the middle parts of the European spectrum. Consuming 60 kg per person each year, Germans are quite the potato eaters.