The January 31 deadline for filing tax returns on line is fast approaching and this year late filers will suffer increased penalties. Taxpayers will also find that the rules surrounding when penalties are issued have been tightened up making a penalty harder to avoid.
These changes are part of the wider penalty regime that is gradually being introduced by HMRC. The aim of these rules is to impose consistent penalties across the taxes and to change taxpayer behaviour. HMRC claims that the previous rules failed to act as a deterrent and it hopes the harsher penalty system will encourage people to submit returns as soon as possible.
Under the new framework, the initial penalty for those who miss the January 31 deadline remains at £100 as in previous years. If the return remains outstanding after three months, a penalty of £10 a day will be imposed by HMRC and this will be applied for a maximum of 90 days. After six months a tax-geared penalty arises, this being the greater of 5 per cent of the tax due or £300.
If the return is still outstanding after 12 months a further fine of 5 per cent of the tax due or £300 will apply. In serious cases, the penalty after a year can be up to 100 per cent of the amount of tax due.
If a partnership’s return is late, penalties will become due for every partner in the firm and this could be in addition to any fines for the late filing of partners’ individual returns.
The old penalty regime capped the amount of penalty which could be levied at the amount of tax outstanding at January 31. This allowed a taxpayer to make payment of their tax by the deadline to avoid a penalty for late filing.
Any individual who was not due to make a tax payment or was due a repayment also did not face a late filing penalty. This is no longer the case and penalties will arise regardless of whether any tax is due after January 31.
The new rules will mean a return that is not filed until August will attract the initial fixed penalty of £100, a total of £900 in relation to daily penalties and a penalty of £300 or 5 per cent of the tax that was due. This results in a charge of at least £1,300 even if no tax was payable!
As well as being the deadline for filing returns online, January 31 is the date that any tax payments become due. Penalties will apply for tax paid late in addition to those for late returns. If tax is paid thirty days late an initial penalty of 5 per cent of the tax unpaid at that date will be due, if paid six months late a further penalty of 5 per cent of the outstanding tax will arise and after twelve months an additional penalty of 5 per cent of the tax still unpaid will accrue. These penalties are in addition to the interest charged on all outstanding amounts, including unpaid penalties, until HMRC receives payment.
Taxpayers who fail to adhere to the deadlines may find this a costly experience under the new regime. Our tax department can provide support in all aspects of tax compliance and planning. If you require further information please telephone Mairi Drummond on 01573 224391 or email firstname.lastname@example.org.


Benazir Income Support Program Registration Online 2023
Benazir Income Support Program Govt of Pakistan
Benazir Income Support Program Registration 2023 Pakistan BISP The most well-known agency of the Pakistani government is the Program. The purpose of this program is to help the poor areas of Pakistan and provide financial assistance to the people who live in the poor areas of Pakistan. They have to give financial assistance so that they can make themselves financially strong. In the Benazir program, flood victims will also be eligible, widows will also be eligible so that they do not feel alone.
You Can Also Read: Benazir Income Support Program
Rather, by getting a little money assistance, they can spend something well, so the Benazir Income Support Program has started receiving new payments from those people who have not yet received their assistance from the Benazir Income Support Program. They can get their aid amount in this program. You will be told different ways to register in the Benazir Income Support Program and you will be told different ways to get the aid money through which you can easily register yourself in this program and get your aid money.
How to Apply for the Benazir Income Support Program
If you want to apply to the Benazir Income Support Program, then this method will be explained to you with the explanation of how you can apply to the Benazir Income Support Program and get your assistance amount in this program. The method of applying to this program is very easy and will be explained to you clearly. While applying, you have to take care of the important things that will be told to you further.
نااہل افراد کے لیے خوشخبری بی ائی ایس پی پروگرام میں حکومت پاکستان نے نیو پیمنٹ دینا شروع کر دی ہے وہ افراد جنہوں نے ابھی تک اس پروگرام میں اپنی امداد کی رقم حاصل نہیں کی تو انہوں نے ایک نیا طریقہ لانچ کیا ہے جس کے ذریعے ہر شخص اسانی سے اس پروگرام میں اپنی پیمنٹ رسیو کر سکے گا ۔یاد رہیں اس بارے پیمنٹ ریسیو کرنے کا طریقہ بھی مختلف ہے اس بارے لوگوں کو امداد کی رقم ان کے بی ائی ایس پی کارڈ کے ذریعے مہیا کی جائے گی یاد رہیں اپ کے پاس بی اے ایس پی کارڈ کا ہونا ضروری ہے اپ کو وضاحت کے ساتھ بتایا جائے گا اس ارٹیکل میں اپ کس طرح اس پروگرام میں بی ائی ایس پی کارڈ کے ذریعے اپنی پیمنٹ ریسیو کر سکتے ہیں
You have to follow these listed eligibility factors. Remember, when you qualify for this program, you have to follow the criteria to qualify for this program, if you are poor, or deserving, then that’s fine. If you belong to a good family then you will not be eligible for this program. The registration procedure for this program is easy, you have to visit the BISP center in your local area to apply. You can easily register by going to. yourself in this program.
You Can Also Read: BISP New Payment September
BISP Tehsil Office
If you want to register for the BISP program, the government of Pakistan has opened SP Tehsil Offices in every district. It was challenging for them, that’s why the government of Pakistan has created a tehsil office so that they can solve their problems. Their problems will also be solved and those people who had payment issues will also have all their problems solved in this program.
|نام *شناختی کارڈ نمبرموبائل نمبر (سال)عمر *گھرانہ کے افراد *دس سال سے کم عمر بچوں کی تعداد *ازدواجی حیثیت *شادی شدہغیر شادی شدہبیوہمکمل پتہ *بھیجیں|
Everyone will now be able to get their payments easily and quickly. Remember that no payment of any kind is taken from you in the office, so if any representative collects money from you in the office of BISP, then you should go to the official website of BSP and submit your application against him. Your request will be processed immediately.
BSIP 8171 Web Portal
The problem is that there is also a program, if you want to register yourself, then this method will explain to you, how you can register yourself in this program through the web portal because there are many people who still have reasons for not registering in the ISP program is that they also do not know how to register in the BISP program, so they miss out on getting their aid money.
The government of Pakistan has created a new method through which everyone can easily register themselves in this program through the web portal. In the web portal, you have to enter your CNIC, the complete address of your house, and all the information you have to enter on this form. After clicking on you will be eligible for this program. Once you are eligible for this program, you can collect your grant money from any BISP center in your local area. can get assistance money from any branch.
BISP Card Program Registration
A new update from the government of Pakistan on the BISP program is that those people who are eligible for the BISP program will be provided with the aid amount through the card. Those persons who do not have a BISP card will not be eligible for this program. Note that this requires you to visit a BISP office to be eligible for the card program.
After going there, you also have to take a form from the BISP representative, on this form you must enter all your information. Once you are eligible for this program you have to collect your grant money from any BISP in your local area officer any money problem is felt at night. You can collect your grant money from any HBL branch in your area.
Eligibility Criteria of the BISP Program
Individuals who wish to qualify for this Benazir Income Support Program Registration will be admitted to the program and given financial assistance, subject to the condition that they meet the criteria.
- Individuals who want to qualify for this P program will need to follow the listed factors.
- This program will address those whose monthly income is less than 40,000.
- Widows will also be eligible for this program.
Attacking women will also be addressed in this program.
- However, if they are not eligible for this program,
- Then those whose household members are attached to government institutions will also not be eligible for this program
- And those whose property is less than two acres. will not be eligible for this program.
Benefits of the BISP Program
There are many benefits of the Benazir Income Support Program Registration. One of the benefits of this program is that the flood victims are being given financial assistance, camps have been set up for them to live, and people have come from rural areas. Animal fodder has also been arranged for them. Assaulted women will also be eligible under this program.
They outlive foreigners by more than 60 years.. Those people will also be settled under this program. If you also want to click here in this program, first of all, you have to go to any BISP office in your local area and you have to register there or you have to reach there. When you go, you will see the registration form. On this form, enter your CNIC, the complete address of your home, and all your information.


The second setting for all payment provider settings is: Visibility - Consumers, B2B, or both. Through this setting you can show specific payment options to your consumers or B2B customers.
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To show payment options only to business customers, you need to set the CUSTOMER TYPE to Business for all B2B customers. Read Managing Customer Accounts for instructions.
You must have already added a payment provider to your eCom store.
Select Settings in your eCom administrator.
Select Payment Methods under Payment Settings.
Select a payment method.
Put Visibility on B2B at the top of the page.
Repeat these instructions, but set the visibility to Consumers to ensure that both types of customers can buy from you.
Test your checkout to verify your changes.
Sell to consumers and businesses for information about what we mean by experiences.
Configure B2B Features for information on how to configure the different experiences through the available eCom features.


Petrofac Limited (OTCMKTS:POFCY – Get Rating)’s share price crossed below its 50-day moving average during trading on Wednesday . The stock has a 50-day moving average of $0.75 and traded as low as $0.73. Petrofac shares last traded at $0.73, with a volume of 1,065 shares.
Analyst Ratings Changes
POFCY has been the subject of several recent research reports. The Goldman Sachs Group initiated coverage on shares of Petrofac in a report on Thursday, May 5th. They set a “buy” rating for the company. JPMorgan Chase & Co. raised their target price on shares of Petrofac from GBX 170 ($2.08) to GBX 180 ($2.21) in a report on Monday, May 23rd. Berenberg Bank raised shares of Petrofac from a “hold” rating to a “buy” rating in a report on Tuesday, May 3rd. Finally, Exane BNP Paribas raised shares of Petrofac from a “neutral” rating to an “outperform” rating and set a GBX 140 ($1.72) target price for the company in a report on Friday, April 8th. Six research analysts have rated the stock with a buy rating, According to data from MarketBeat.com, Petrofac presently has an average rating of “Buy” and an average price target of $160.00.
Petrofac Price Performance
The company has a debt-to-equity ratio of 1.58, a current ratio of 1.39 and a quick ratio of 1.38. The business’s fifty day simple moving average is $0.75 and its two-hundred day simple moving average is $0.78.
Petrofac Company Profile
Petrofac Limited designs, builds, manages, and maintains infrastructure for the energy industries in the United Kingdom, Algeria, Thailand, Oman, Kuwait, Iraq, the United Arab Emirates, the Netherlands, and internationally. It operates through three segments: Engineering & Construction (E&C); Asset Solutions; and Integrated Energy Services (IES).
- Get a free copy of the StockNews.com research report on Petrofac (POFCY)
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Your card payment details and the transaction value is processed in full at the point of order. The card details are held and managed by SagePay, the payment gateway provider, throughout the payment process.
Your credit card details will be encrypted for security purposes. In order to ensure maximum security on your account, you will never be asked for your username, password or credit card details via emails, pop-ups, or for any purpose other than registering or placing an order on www.dubarryboots.com.
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As a landlord, you have the right to deny renters with pets, except for those with service animals, as per the Americans with Disabilities Act (ADA). These animals are technically not considered to be pets.
Yet the majority of renters have pets, and they expect to pay a pet deposit or fee when renting with a pet (service animals are excluded from these fees).
But how much are tenant pet deposits, and what do they cover? Here, we look at the different types of pet fees and deposits and what damage they cover so you can make the best choice for your rental property!
Difference Between Pet Deposit, Pet Fee, and Pet Rent
A pet deposit is a refundable amount paid separately from the security deposit. It’s reserved specifically for any damage done to the property from the pet. If there is no damage, you must refund the pet deposit. Pet deposits can range from $200-500, depending on the type and number of pets.
On the other hand, a pet fee is a non-refundable, one-time fee paid with the first month’s rent, and can range from $100-500.
What about pet rent? Pet rent is an added monthly charge to the tenant’s rent and could range from $25-75, again depending on the type and number of pets your tenants’ have. Pet rent is non-refundable.
Always be sure to follow state laws for what you can charge for a pet deposit. While some states have limits, others don’t, but always be sure you’re within your rights to charge a specific fee.
Pet Deposits Will Cover Any Potential Damage to the Property From the Pet
The purpose of a pet deposit, pet fee, and pet rent is to cover any damage your renters’ pet does to the property, including any wear and tear. Be sure your tenants understand your pet policies and any related deposits before signing the lease.
Some damage to your rental property could include:
Clawed, stained, or chewed furniture
Damage to the home’s exterior elements, including landscaping and fencing
Pet odors that are resistant to deep cleaning
Water damage from aquariums
As a landlord, it’s a good idea to have a checklist of items to inspect upon move-out to ensure the animal hasn’t damaged the unit. Should there be any damage, you can document and inform the tenant exactly why you’re keeping part or all of the deposit to cover the cost of repairs.
How to Determine the Amount of Your Pet Deposit
It’s crucial to determine an appropriate amount for your pet deposit. Charging too much can scare off renters, but charging too little can leave you stuck with a hefty bill for repairing floors, furniture, and landscaping.
Generally, pet deposit amounts are dependent on a few factors:
Type of animal
Number of animals
Value of the rental unit
For example, charging $500 as a pet deposit sounds fine until you realize there’s $1,000 worth of damage to your hardwood floors. While cats may not damage a hardwood floor, a large dog will, so the amount of the deposit would need to be adjusted based on the size and type of animal.
Remember that people with service animals are exempt from pet deposits, but not from security deposits, of course.
Need Help Figuring Out Your Pet Deposit? We Can Help at Circle Property Management
It can be challenging to decide the appropriate amount for a pet deposit for your income property. While pets can net you a higher rental income, you need to be sure you have enough funds to cover any potential damage. At Circle Property Management, we help you determine the amount, whether it should be a pet deposit, fee, or added rent amount, and ensure it’s enforceable in Virginia. Call us at (703) 349-0144 today!
About The Author
Eric Guggenheimer - SFR, ARM ® » Principal Broker, Certified Property Manager, IREM, ARM, NARPM, NVAR, NAR, VAR


2020 Real Estate Outlook
(Credit: Forbes 11/2019; Expert Predictions For Mortgage Rates, Prices And More; Aly Yale)
The 2019 housing market saw low rates, high buyer demand and limited supply. What will 2020 bring? Experts weigh in and make predictions on what to expect next year.
Mortgage Rates Will Stay Low: And Possibly Go Lower: Mortgage rates are currently hovering around 3.75 percent according to Freddie Mac’s most recent numbers. That is nearly a 1 percent difference from a year ago. This drop in rates caused a surge in refinancing over the last few months, as well as an uptick in purchases.
According to Odeta Kushi, deputy chief economist at First American, there is “emerging consensus” that rates will remain low next year, somewhere between 3.7 and 3.9 percent.
Forecasts from Freddie Mac and the Mortgage Bankers Association are both predicting rates within this range. Fannie Mae believes rates will come in even lower, around the 3.5 to 3.6 percent for the year.
This is obviously positive news, keeping the refinancing ball rolling and the housing stock more affordable to more home buyers.
Prices Will Keep On Rising: Home prices will continue their climb upward, according to experts, largely due to tight inventory and high demand.
According to the latest home price forecast from property data firm CoreLogic, on a national level, home prices should tick up by 5.6 percent by next September, up from the 3.5 percent jump this year.
As Daryl Fairweather, chief economist for real estate brokerage Redfin, explains “Right now we aren’t seeing a ton of new listings. Without more listings coming on the market there will be more competition starting off in early 2020 and that will lead to more price pressure.
The problem will be worse on the lower end of the price spectrum. According to Ralph DeFranco, chief economist for mortgage insurer Arch MI, “Low interest rates and a shortage of starter homes will continue to push up prices.” He expects that entry-level home prices will rise higher than incomes next year.
And it appears that prices will continue to rise beyond 2020. Data from Arch MI shows that the chance of home price declines is only a mere 11 percent for the next two years. They also state that there are currently no states or metro markets projected to see price declines in that period.
Inventory Will Be Tight: Housing inventory is going to remain limited for much of 2020, experts say. And low interest rates and record-high home ownership tenures are a big part of the problem.
According to recent data from Redfin, the average homeowner is staying in their home 13 years, up from eight years in 2010. In some areas, home ownership tenures areas high as 23 years.
As Odeta Kushi explains, “You can’t buy what’s not for sale.”
“While historically low rates increase buying power and make it more likely for potential buyer to attain their home ownership dream, they also increase the risk of a long-run housing supply shortage, which we predict will continue through 2020 and possibly intensify,” Kushi says. “As first time buyers lock-in these historically amazing rates and existing owners refinance, in droves in recent months, everyone will stay put and not sell. Where’s the incentive?”
New construction may offer some relief: The Census Bureau saw building permits and housing starts increase over the year. And builder confidence was at a 20 month high, according to the National Association of Home Builders.
But it may not be enough to meet the needs of today's buyers, Kushi says. She adds, “Building pace still lags behind historical standards, and it will likely take months before we can begin building at a pace that will support demand.”
Millennials Will Keep Up Their Home Buying Streak: While Boomers Hold Up Inventory: Data from Realtor.com shows Millennials mad up a whopping 46 percent of all mortgage originations in September, 2019 - up from 43 percent one year prior. At the same time, shares of Baby Boomer and Gen X mortgage activity declined.
Millennials rank home ownership as one of their top goals in life, higher than even marrying or having kids. And with interest rates low and incomes up, it is the right time to buy a home for many.
Unfortunately, they face an uphill battle. As Kushi explains, “Looking ahead, Millennials may be entering a tougher housing market in 2020. A limited supply environment combined with growing demand and increased competition for homes, is accelerating home price growth once again.”
The Baby Boomer generation is part of the challenge for this younger cohort, as many are choosing to age in place, keeping more homes off the market than ever before. In fact, a recent study from Freddie Mac shows that if today’s older adults - those born between 1931 and 1959 - behaved like earlier generations, then an additional 1.6 million homes would have hit the market by the end of the last year.
As Kushi explains, “The fate of Millennial home buying to close out 2019 and into 2020 will depend on two factors: if there is anything for them to buy, and whether rising purchasing power stemming from increasing income and historically low mortgage rates can continue to outpace house price appreciation.”
The Suburbs Will Be A Big Draw Thanks To Millennial Demand: As home prices skyrocket, cash-strapped Millennials are looking toward more affordable places to put down roots - namely smaller, suburban towns on the outskirts of major metros.
The trend has led to an uptick in “Hipsturbia” communities - live-work-play neighborhoods that blend the safety and affordability of the suburbs with the transit (trains, buses, highways), walkability and the amenities of big cities.
Melissa Gomez, an agent in New York has seen the trend in action. “Being based in New York City, I see Hipsturbia happening every day. As cities like New York become increasingly expensive, younger people and families are looking for more bang for their buck with real estate, schooling and everything in between. And slowly but surely, it is breathing new life into small towns outside of major suburban hubs.”
The Urban Land Institute recently named Hipsturbia as one of its top real estate trends to watch in 2020. As their report explains, “If the live-work-play formula could revive inner cities a quarter century ago, there is no reason to think that it will not work in suburbs with the right bones and the will to succeed.”
So What? I guess the question to be answered now, is so what? For a seller, this is all positive. Low mortgage rates keep housing affordable even with rising prices. And with inventory lean, prices will be pushed by buyers competing for limited available homes. At the beginning of December Bridgewater had a 2.23 months supply of homes, Branchburg 2.56 and Hillsborough 2.61. all indicting a very tight supply.
For buyers, the message is mixed. Low mortgage rates with rising incomes, keeps housing affordable (ratio of housing cost to income levels) even though limited supply will push pricing up. But competition for available housing will be brisk, with many disappointed buyers losing to multiple offers.
Al Fross is a Coldwell Banker Residential Brokerage Sales Associate based in the Bedminster/Bridgewater office. Al has lived in the Bradley Gardens section of Bridgewater since 1993 and has been an active volunteer in many recreational and community organizations including serving as a current member of Bridgewater’s Board of Adjustment and as past Chairman of the Township’s Planning Board. His knowledge of the Bridgewater and surrounding areas makes him the perfect “partner” when selling your existing property or buying your new home.


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After syncing your accounts, you’ll have accessibility to the totally free monetary tools as well as reports explained in detail below. Anyone can access the complimentary tools, although only those with a minimum of $100,000 qualify to utilize the Personal Capital Advisors financial investment management with economic planners.
To register for Personal Capital Advisors, you answer consumption questions which cover your monetary scenario, objectives, as well as danger cravings. Your expert then assesses your present financial investments and afterwards presents you with a personal economic method. Next off, you’ll open your account at custodian Pershing as well as fund it with cash money or transfer safety and securities.
Even if you’re using the totally free tools, you can anticipate a call from the firm. This might be thought about an aggravation by some, however it’s a tiny cost to pay for access to the durable monetary analytical software.
Goal planning is one-of-a-kind at Personal Capital Advisors and surpasses noting a box qualified retirement, university planning, or vacation. The setting goal process is tailored and begins with a conversation with your financial expert after you’ve reacted to the brief set of questions. Although most investors include retirement as a goal, any goal can be taken into consideration such as saving for college tuition or cash momentarily home.
The personalized Personal Capital Retirement Planner is readily available for both paid clients as well as free tools individuals. This simulator projects your revenue and also costs during both build-up and also distribution phases of life to come up with a practical expectation of meeting your long term retirement demands.
As your goals as well as circumstance progress, your financial advisor exists to lead you and readjust your portfolio as required.
Personal Capital provides financial with no minimum quantity as well as Personal Capital Advisors gives all the solutions offered at a full-service financial preparation firm. While margin is not available, two revolving lines of credit history can be accessed.
The Financial Roadmap is special to Personal Capital Advisors as well as takes your account as well as loan info to produce a tailored to-do list of financial jobs. Topics might consist of things like insurance coverage analysis, retired life capital preparation, company plan evaluation, financial debt monitoring review, and more. The list develops along with your private scenario.
Personal Capital’s monetary planning software is offered to anyone who registers for the system, whether they use the Advisory solutions or not. There is no minimum required to sync your accounts and make use of every one of the devices.
Calculators and tools consist of:.
- Net Worth Tracker.
- Financial savings Planner.
- Cash Flow.
- Retired life Planner.
- Investment Check up.
- Fee Analyzer.
- Education and learning Planner.
The charge analyzer assesses whether you could be conserving money on investment charges, while the investment examination examines your possession allowance and suggests methods to raise returns as well as reduced dangers. The retirement coordinator enables you to readjust inputs and check out the success of numerous retirement situations. We discovered the calculators as well as devices to be exceptionally helpful and, thanks to account syncing, they supplied actionable and extremely customized insights.
Personal Capital Cash is a complimentary savings product without any minimums. The program is carried out through UMB Bank. After opening up an account, your cash is put in taking part member banks. The account is FDIC guaranteed up to an aggregate of $1.25 million, well above the common $250,000 a solitary financial institution deals.
- Offered features consist of:.
- High yield interest bearing savings account.
- Person and also joint accounts.
- Bill pay by connecting to your bank account.
- Direct deposit.
- Unlimited deposits as well as withdrawals.
The Personal Capital Advisors Personal Strategy is their customized investment process, embellished for every customer. The profile is driven by the customer’s actions to the first survey and also interview with the financial consultant.
The algorithm develops the profile by integrating the following factors into its estimation:.
- Danger tolerance.
- Time perspective and also goals.
- Health condition.
- Tax obligation legislations.
- Heritage objectives.
- Net worth and income.
- Old age.
- Marital standing.
- Anticipated withdrawal rate, and also much more.
Personal Capital takes a very detailed and also deep look at your funds as well as specific information when it makes the referral. The information synced to Personal Capital and also extracted through the call with the financial consultant offers Personal Capital more to work with than a lot of robo-advisors have, and the model this feeds into looks to provide even more actual diversity than other robo-advisors with an formula based off Modern Portfolio Theory (MPT) alone. The possession appropriation employed in the Personal approach includes differing allocations to the following possession courses:.
- U.S. Stocks, consisting of varying designs, size, and also industries.
- International Stocks, including established and also arising markets.
- United state Bonds, including diverse government and corporate of differing credit rating quality.
- Global Bonds of varying credit rating quality.
- Alternatives, consisting of real estate and assets.
- Cash money.
The Smart Weighting property allowance differs from other computerized consultants’ market capitalization possession class weighting, where profile markets reproduce those in market-cap heavy indexes like the S&P 500. The company’s wise weighting similarly weights possessions based upon design, sector, and size . This portfolio construction makes every effort to give a greater risk-adjusted return than the marketplace cap-weighted appropriation.
Capitalists can choose the core portfolio or a socially liable investing (SRI) choice where companies and ETFs that represent solid Environmental, social, and also governance (ESG) aspects change equivalent funds and equities.
Readily available Assets.
- Private StocksYes.
- Common FundsNo.
- Taken care of IncomeYes.
- Socially Responsible or ESG OptionsYes.
- Non-Proprietary ETFsYes.
- Crypto, Forex No.
Customization is an location where Personal Capital excels. Driven by the customer and economic advisor, the modification accommodates your tax scenario and one-of-a-kind choices. Clients can request distinct property appropriations, the socially responsible alternative, ETFs just in lieu of specific supplies, restricted buy or offer checklists, replacement ETFs or supplies, special tax-influenced strategies, and also much more.
With the papa of Modern Portfolio Theory, Harry Markowitz, on the advisory board, it’s not a surprise that profile’s are created along the efficient frontier. Simply put, each investor portfolio is crafted to give the highest returns for the given risk degree.
The profile management is made to fit the individuals objectives and also preferences. The tax obligation optimization strategy consists of ideal possession location in the most tax-efficient accounts, tax obligation loss harvesting, and also selecting tax-efficient funds.
Rebalancing is helped by technology signals which alerts managers to readjust the client’s possession mix. Rebalancing is caused when a customer’s monetary situation changes, possessions drift too much from goal, or a tactical change in the economy.
The progress towards goals is reviewed routinely in between the client and economic expert as well as adjustments are made when needed.
- Automatic RebalancingYes, As needed.
- Reporting FeaturesDashboard, regular monthly declarations, tax obligation documents, and also customized reports.
- Tax Obligation Loss HarvestingYes.
- Exterior Account Syncing/ConsolidationYes-all outside accounts consisting of investment, bank, custom-made, and debt are available.
Desktop computer Experience:.
Personal Capital’s system is among one of the most easy to use we’ve assessed. The navigating is user-friendly with the major categories noted on the food selection including Banking, Investing, Planning, and also Wealth Management. The Wealth Management vertical is the customer’s link to the paid Personal Capital Advisors includes with quick access to your advisor as well as the instructional blog site.
The overview tab causes a extensive dashboard view with total assets, accounts, spending, and purchases. The investing as well as preparation classifications include all of the complimentary finance devices. Banking, as one would anticipate, is the door to Personal Capital Cash.
The mobile application is readily available for iOs and Android and also uses account management, Personal Capital Cash, and also most of the portfolio evaluation tools. It’s even available on your wearable device. Like the desktop variation, customers can track capital, investments, and also utilize the retirement planning functions. The application likewise offers tailored understandings such as just how much you’ve conserved this year.
A few desktop computer functions are doing not have on the app. For example, the Investment Checkup isn’t readily available on mobile, as well as customers that intend to open up an account requirement to do so using the desktop variation. On top of that, there are some concerns with account sync and also absence of precise existing information coverage, specifically on the android application.
Customer service is above standard at Personal Capital. Advisory customers can email and also phone their financial investment reps to schedule either digital or in-person meetings. Additionally, the business has offices in California, Denver, Dallas, as well as Atlanta for in-person monetary expert conferences.
- In-person and also digital meetings with experts.
- Physical workplaces in California, Denver, Dallas, and also Atlanta.
- Comprehensive FAQs.
- No live chat.
The platform employs the highest possible safety and security protocols. Client login information is encrypted and inaccessible to firm employees.
Protection methods include:.
- Two-factor authentication.
- Firewalls and also border safety similar with banks as well as payment cards.
- 256-bit AES information security.
- Daily transaction emails so individuals can validate their very own activity.
- Personal Capital carries Securities Investor Protection Corporation (SIPC) insurance as much as $500,000 which includes $250,000 for cash. Several other companies supply excess insurance coverage to cover company malfeasance and/or personal bankruptcy. As is typical throughout the industry, there is no sort of insurance that can protect your account from losses as a result of the investment markets.
The instructional portal blog site is called Daily Capital as well as includes numerous well-written educational short articles and overviews.
The topic categories consist of:.
- Personal Finance.
- Investing and also Markets.
- Financial Planning.
- Customer Stories.
- Guides as well as Reports.
A lot of the short articles are of the workable selection, answering common concerns like ” exactly how to minimize taxable income” or taking market occasions and dovetailing them right into a preferred topic of diversification or focus risk. They do, naturally, usually finish the evaluation with a plug for the service. The robo-advisor additionally releases analysis of the 401K prepares supplied by some huge employers like Amazon and also Walmart that are very intriguing. Among this lighter content, nonetheless, are white paper blog posts that go deeper into the thinking behind Personal Capital’s method. Sophisticated capitalists will appreciate the Personal Capital study and also much deeper coverage of investment subjects.
Fees & compensations .
Personal Capital’s money management software application is readily available totally free and is well worth having a look at.
Personal Capital Advisors bills a decreasing charge schedule, based on assets under administration. There are no payments or deal charges.
- $ 100,000 to $1 million0 .89%.
- $3 million0 .79%.
- Next $2 million0 .69%.
- Following $5 million0 .59%.
- Over $10 million0 .49%.
The AUM fees are greater than many rivals with financial consultants like Betterment, Schwab Intelligent Advisors Premium, and also Vanguard Personal Advisors.
- Administration costs for $5,000 accountN/A.
- Administration fees for $25,000 accountN/A.
- Monitoring fees for $100,000 account$ 890.00 AUM each year.
- Termination feesUnknown.
- Expenditure ratios Not released.
- Mutual fundsN/A.
Personal Capital is finest for high-net-worth financiers looking for a well-researched investment approach, qualified economic advisors, as well as thorough monetary planning. Investors that may otherwise employ a full-service conventional economic advisor can talk to a Personal Capital financial consultant to learn about their strategies to decrease taxes and exceed a conventional market cap weight financial investment profile.
Sadly, the big account minimum puts Personal Capital out of reach for several as a robo-advisor. That stated, the complimentary profile administration tools are the very best we’ve located and ideal for any investor who looks for to assess and handle their very own investments.
Every little thing You Need to Know About Robo-Advisor.
Our goal at Investopedia is to provide investors with testimonials and scores of robo-advisors that are thorough and honest . Our group of scientists as well as professional authors, led by Michael Sacchitello, invested months assessing all facets of a robo-advisor’s system, consisting of the account configuration process, objective planning devices, account solution options, portfolio building and construction offerings, profile management, mobile and desktop customer experience, academic material, fees, as well as protection. As part of this examination, we remove vital information factors that are weighted by our measurable version that generates a powerful star-scoring system.
With the private investor in mind, we’ve developed a extensive ranking technique to locate the very best overall robo-advisors and the very best robo-advisors throughout 9 vital classifications. Each expert is after that racked up throughout several variables to price efficiency in every appropriate group. The score for the general honor is a heavy standard of the classifications.
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Personal Capital Cash makes it possible for any U.S. resident to access a high interest rate savings account with a schedule of free banking services.
Personal Capital supplies financial with no minimum amount and Personal Capital Advisors supplies all the solutions readily available at a full-service monetary preparation company. The Financial Roadmap is distinct to Personal Capital Advisors and also takes your account as well as lending info to produce a tailored to-do checklist of financial jobs. The information synced to Personal Capital and attracted out through the phone call with the financial advisor gives Personal Capital extra to function with than many robo-advisors have, and the model this feeds into looks to offer even more actual diversity than various other robo-advisors with an formula based off Modern Portfolio Theory (MPT) alone. The mobile app is available for iOs and Android as well as supplies account monitoring, Personal Capital Cash, and also many of the portfolio evaluation devices.


Is Solar in Retirement the Best Option?
After saving for retirement, you deserve to look ahead to your golden years where you can slow down the pace and enjoy time with family. If you are like many people approaching retirement today, aging in place in your home on Long Island might be your preferred option. With a reduced income in retirement, you’ll also likely be considering various ways to save money.Solar in retirement is one way that you can reduce your expenses, and, if you have the savings to cover part or all of your solar system, then you’ll enjoy the best returns.
The Advantages of Having Home Solar in Retirement
Although solar provides some diverse benefits, the key underlying advantage is found in the cost savings. Solar panels on your rooftop will produce electricity during the day, which will reduce the amount of electricity that you buy from the grid. This results in smaller bills, so you’ll save money over time.
Income during retirement typically decreases, so having lower monthly expenses can be a great help. Solar on your rooftop could do this for you. The best part about it is that even if you aren’t ready to retire, you could still install solar today and enjoy the benefits.
Solar panels last around 25 to 30 years. The savings usually cover the cost of installation within the first ten years. So, you could install solar to reduce your expenses before retirement, which could give you more money to either save or invest. If you’re a few years from retirement, then the solar system you install today would still be operational for more than two decades, so it would still be beneficial during retirement.
Solar has very few maintenance requirements. The only thing you’ll need to worry about is occasional cleaning to keep your solar panels efficient. Cleaning in many cases is only needed every three to five years, and the service is quick and affordable. You can get a maintenance package with Long Island Power Solutions, and we’ll take care of things throughout the lifetime of your system. We also provide 25 years of solar warranty coverage so you’ll have peace of mind knowing that any faults or defects will be covered.
We also monitor our installations, so we’ll know if anything goes wrong or if your system isn’t working as expected. This is another way that we provide confidence to our solar customers on Long Island.
You Can Apply for New York Solar Tax Credits
If you are looking ahead to retirement and considering your first solar system at your primary home, then you could take advantage of federal and New York solar tax credits. There are also direct incentives available that reduce the cost off the top of your bill. The federal tax incentive is currently the most significant. It provides a federal income tax credit worth 30% of the cost of your system.
You can talk to us about the federal and New York solar tax credits that would apply in your case. We can also help with solar financing with no money down. Your requirements could be a little different if you’re just a few years from retirement. We can work closely with you to ensure that you get financing that is appropriate for your needs both today and in the coming years.
It’s Worth Considering Solar in Retirement – Get Your Free Home Solar Estimate
Solar in retirement could provide savings that help to reduce stress and improve your quality of life. You could even get solar ahead of retirement to help you save money. You have options when you work with Long Island Power Solutions. Get your free home solar estimate from our team and we’ll also provide a cost/benefit report so that you can properly evaluate solar and how it will relate to your future. With the best installers on Long Island, your switch to clean and affordable energy will be stress-free.


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ALBANY, GA (WALB) - The economic outlook is not looking bright in Georgia. A top economic forecaster says the recession in our state will end up being the worst since the Great Depression.
University of Georgia economists released their annual economic outlook Wednesday and they predict things will get a lot worse before they get better.
Jerry Doyal knows the key to running a successful business. "You have to change. If you don't change, you're gone," said Doyal.
That just might be the key. Through nearly six decades, his family's business has weathered the different economic climates. "I've been through a couple of recessions myself," said Doyal.
But these days, Doyal doesn't even want the word recession mentioned inside his store. "If you get gloom and doom in your conversation, that's what you're going to get," said Doyal. "If you have an upbeat attitude towards business, I think it'll go that way."
That outlook may be easy for Doyal. Business at the store is up 5-percent but the forecast for the state is dreadful according to economic experts.
"We are about in the middle of a deep and very long recession," said Robert T. Sumichrast, Dean of UGA's Terry College of Business.
Sumichrast says this likely will be the longest recession since the Great Depression. "We've got a couple more quarters of the really bad stuff in front of us," said Sumichrast.
The future bad stuff includes a possible increase in the already high number of unemployed in Georgia through 2010. "We're expecting it will double to about 9-percent with a net loss of about 175,000 jobs," said Sumichrast.
On top of that, many Georgians aren't able to spend as much. "This year it's no secret that state revenues are down and probably won't yet fully reflect the damage from the most recent economic turmoil," said Governor Sonny Perdue.
Despite the circumstances, Governor Perdue is confident about the Peach State. "Georgia has been through rough seas and emerged each time stronger than before," said Perdue.
Experts say it will take thawing frozen credit markets, oil prices continuing to fall and a pickup in the housing market to get strong. "There really isn't any big economic engine that's going to pull us out of this," said Sumichrast.
Doyal thinks positive thinking will pull the state through. "Oh I know we will. We'll get through it," said Doyal.
He hopes that message echoes from his store throughout Georgia.
Sumichrast says although things will begin to recover towards the end of next year it will be a joyless recovery. He predicts there will still be slow commercial construction and job growth.


|By PR Newswire||
|January 11, 2013 06:16 PM EST||
ALLENTOWN, Pa., Jan. 11, 2013 /PRNewswire/ -- PPL Energy Supply, LLC (the "Company" or "PPL Energy Supply") announced today the commencement of an offer to exchange up to all but not less than a majority of 8.857% Senior Secured Bonds due 2025 of its wholly owned subsidiary PPL Ironwood, LLC (CUSIP No. 00103XAC7) (the "Ironwood Bonds") for newly issued Senior Notes, Series 4.60% due 2021 of the Company (the "New Notes"), upon the terms and subject to the conditions set forth in the prospectus (the "Prospectus") and the related letter of transmittal and consent (the "Letter of Transmittal and Consent").
The offer to exchange the Ironwood Bonds for New Notes is referred to as the "Exchange Offer." The New Notes will comprise part of the same series as, and are expected to be fungible for U.S. federal income tax purposes with, the $500,000,000 aggregate principal amount of Senior Notes, Series 4.60% due 2021 (the "Existing 2021 Notes") that PPL Energy Supply initially issued on December 16, 2011. The New Notes will be the unsecured and unsubordinated obligations of the Company. The Ironwood Bonds exchanged in connection with the Exchange Offer will be retired and cancelled and will not be reissued.
Concurrently with the Exchange Offer, PPL Energy Supply is soliciting (the "Consent Solicitation") consents ("Consents") from holders of Ironwood Bonds, upon the terms set forth in the Prospectus and the Letter of Transmittal and Consent, to certain proposed amendments (the "Proposed Amendments") to the Ironwood Bonds, the indenture governing the Ironwood Bonds and the Collateral Agency and Intercreditor Agreement among the Company, the trustee, collateral agent and depositary bank thereto. The proposed amendments would, among other things, eliminate substantially all of the restrictive covenants pertaining to the Ironwood Bonds and certain provisions relating to the operation and financing of the facilities operated by Ironwood. The Proposed Amendments are summarized below.
Upon the terms and subject to the conditions of the Exchange Offer, for each $1,000 principal amount that remains payable on the Ironwood Bonds outstanding at the Expiration Date, tendered prior to the Expiration Date and accepted for exchange, PPL Energy Supply will pay the exchange consideration (the "Exchange Consideration") of $1,270 in the form of New Notes.
Principal Amount Remaining
For each $1,000 Principal Amount
8.857% Senior Secured Bonds due
(1) The Company will not accept any tender of Ironwood Bonds that would result in the issuance of less than $1,000 principal amount of New Notes.
On February 28, 2013, PPL Ironwood will make a principal and interest payment on any Ironwood Bonds outstanding on that date to holders of record of Ironwood Bonds as of February 1, 2013, the record date for that payment. Holders who properly tender their Ironwood Bonds and whose Ironwood Bonds are accepted for exchange will receive the Exchange Consideration on the Settlement Date (defined below) plus accrued and unpaid interest in cash on such Ironwood Bonds subject to "3. Important Information Regarding the New Notes – a. Accrued and Unpaid Interest" below. Such participating holders will not be entitled to receive the payment of principal and interest on February 28, 2013. Holders who do not participate in the Exchange Offer and who are otherwise entitled to receive the February 28, 2013 payment of principal and interest on the Ironwood Bonds pursuant to the rules of DTC applicable to such payments, will receive the payment of principal and interest on February 28, 2013.
The aggregate Exchange Consideration paid to each participating holder for all Ironwood Bonds properly tendered (and not validly withdrawn) and accepted will be rounded down, if necessary, to $1,000 or the nearest whole multiple of $1,000 in excess thereof and the Company will pay cash up to $1,000.
The Exchange Offer will expire at 11:59 p.m., New York City time, on February 8, 2013 (such time and date, as the same may be extended, the "Expiration Date"). Tenders may be withdrawn prior to 11:59 p.m., New York City time, on the Expiration Date. The Company plans to issue the New Notes promptly following the Expiration Date (such issue date, the "Settlement Date"). The Company plans to issue the new Notes promptly following the Expiration date (such issue date, the "Settlement Date").
1. Terms of the Consent Solicitation
a. The Consent Solicitation
Upon the terms and subject to the conditions described in the Prospectus and the Letter of Transmittal and Consent, the Company is soliciting the Consent of holders of the Ironwood Bonds to the Proposed Amendments. Promptly following the Expiration Date, if the Requisite Consents (as defined below) are delivered, (i) Ironwood and The Bank of New York Mellon as trustee will enter into a supplemental indenture (the "Supplemental Indenture") and (ii) The Bank of New York Mellon, in its separate capacities as trustee, collateral agent and depositary bank, will be directed to enter into an amended and restated Collateral Agency Agreement, in each case to give effect to the Proposed Amendments. The Proposed Amendments will not become operative until the consummation of the Exchange Offer. In the event that the Company does not receive the Requisite Consents or does not consummate the Exchange Offer for any reason, the Indenture and the Collateral Agency Agreement will remain in effect in their current form.
Valid tenders of Ironwood Bonds pursuant to the Exchange Offer (that are not validly withdrawn) will be deemed to include Consents to the Proposed Amendments. Holders may not validly tender Ironwood Bonds in the Exchange Offer without delivering the related Consents in the Consent Solicitation and may not validly withdraw previously tendered Ironwood Bonds prior to the Expiration Date without revoking the related Consents. Holders may not deliver Consents in the Consent Solicitation without validly tendering their Ironwood Bonds in the Exchange Offer and may only validly revoke Consents by validly withdrawing the previously tendered related Ironwood Bonds prior to the Expiration Date.
b. Proposed Amendments
If the Requisite Consents are obtained, the Proposed Amendments (i) will delete in their entirety substantially all of the restrictive covenants in the Ironwood Indenture and (ii) direct the trustee, collateral agent and depositary bank to execute an amended and restated Collateral Agency Agreement, which will no longer include certain provisions relating to the operation and financing of the Ironwood generating facility owned by PPL Ironwood, LLC.
Holders of Ironwood Bonds left outstanding following the completion of the Exchange Offer will no longer be entitled to the benefits of the covenants and other provisions that are eliminated or modified pursuant to the Proposed Amendments.
c. Requisite Consents
In order to be adopted, the Proposed Amendments applicable to the Ironwood Bonds Indenture require the consent of the holders of not less than a majority in aggregate principal amount of the outstanding Ironwood Bonds (the "Indenture Requisite Consents") and the Proposed Amendments applicable to the Collateral Agency Agreement are conditioned on, among other things, the consent of the holders of at least a majority in principal amount of the outstanding indebtedness of Ironwood (the "Collateral Agency Agreement Requisite Consents" and together with the Indenture Requisite Consents, the "Requisite Consents").
d. Expiration Date
To deliver Consents pursuant to the Consent Solicitation, holders must validly tender (and not validly withdraw) their Ironwood Bonds, and thereby deliver Consents related to such Ironwood Bonds, at or prior to 11:59 p.m., New York City time, on the Expiration Date.
2. Terms of the Exchange Offer
a. Minimum Tender Amount
The Exchange Offer is conditioned on at least a majority in principal amount of the outstanding Ironwood Bonds being validly tendered (and not validly withdrawn) prior to the Expiration Date (the "Minimum Tender Amount"). The terms of the Exchange Offer are described more fully in the Prospectus and the related Letter of Transmittal and Consent.
b. Withdrawal Rights
Tenders may be withdrawn prior to 11:59 p.m., New York City time, on the Expiration Date. Holders may also withdraw tendered Ironwood Bonds if we have not accepted them for purchase on or before 40 days after the commencement of the Exchange Offer.
Tenders of Ironwood Bonds pursuant to the Exchange Offer may be validly withdrawn and the related Consent delivered pursuant to the Consent Solicitation may be validly revoked at any time prior to the Expiration Date by following the procedures described herein. A valid withdrawal of tendered Ironwood Bonds prior to the Expiration Date shall be deemed a valid revocation of the related Consent.
If PPL Energy Supply amends or modifies the terms of the Exchange Offer or the Consent Solicitation or the information concerning the Exchange Offer or the Consent Solicitation, in a manner determined by us to constitute a material change to holders of the Ironwood Bonds, we will disseminate additional Exchange Offer and Consent Solicitation materials and extend the period of such Exchange Offer and/or Consent Solicitation, including any withdrawal and revocation rights, to the extent required by law and as we determine necessary. An extension of the Expiration Date will not affect a holder's withdrawal and revocation rights, as described above, unless otherwise provided herein or in any additional Exchange Offer materials or as required by applicable law.
c. Expiration Date
The Exchange Offer will expire at 11:59 p.m., New York City time, on the Expiration Date.
3. Important Information Regarding the New Notes
a. Accrued and Unpaid Interest
If Ironwood Bonds are properly tendered by an eligible holder (and not validly withdrawn) and accepted by us for exchange pursuant to the Exchange Offer, such holder will be entitled to receive accrued and unpaid interest in cash on such Ironwood Bonds up to, but not including, the Settlement Date. An amount equal to the accrued interest on the New Notes at the time of their issuance on the Settlement Date will be subtracted from the payment to be made on the Settlement Date in respect of the accrued and unpaid interest on the Ironwood Bonds accepted for exchange.
4. Conditions to the Exchange Offer
The Exchange Offer is subject to (i) the Minimum Tender Amount of Ironwood Bonds being validly tendered (and not validly withdrawn) prior to the Expiration Date, (ii) the New Notes issued in the Exchange Offer being fungible for U.S. federal income tax purposes with the Existing 2021 Notes and (iii) the registration statement of which the Prospectus forms a part being declared effective by the SEC and no stop order suspending its effectiveness or any proceeding for that purpose being outstanding (and neither condition (ii) nor (iii) may be waived by us) and the other conditions described under "Conditions of the Exchange Offer" in the Prospectus. In addition, we have the right to terminate or withdraw the Exchange Offer at any time if any of the conditions described under "Conditions of the Exchange Offer and the Consent Solicitation" in the Prospectus are not satisfied or waived by the Expiration Date.
5. Additional Information
The Company has filed a registration statement on Form S-4 (as it may be amended from time to time, the "Registration Statement") relating to the Exchange Offer and the Consent Solicitation with the SEC on January 11, 2013. The Registration Statement has not yet become effective and the New Notes may not be issued, nor may the Exchange Offer be completed, until such time as the Registration Statement has been declared effective by the SEC and is not subject to a stop order or any proceedings for that purpose.
We urge holders to read the Prospectus relating to the Exchange Offer and the Consent Solicitation prior to making a decision to tender any of their Ironwood Bonds or otherwise make an investment decision with respect to the New Notes because it contains important information regarding the Exchange Offer and the Consent Solicitation.
Copies of the preliminary prospectus relating to the Exchange Offer and the Consent Solicitation, which is contained in the Registration Statement, and the related Consent and Letter of Transmittal will be made available to holders of Ironwood Bonds who complete a letter of eligibility confirming that they are within the category of eligible holders for the exchange offer. Copies of the eligibility letter are available to holders of the Ironwood Bonds through the information agent, D.F. King & Co, Inc., at (800) 488-8075 (toll free) or (212) 269-5550 (collect) or visit their website for this purpose at http://www.dfking.com/ppl. J.P. Morgan is acting as the dealer manager in connection with the Exchange Offer. For additional information, you may contact J.P. Morgan at (866) 834-4666 (U.S. toll free) or (212) 834-4811 (collect). The Prospectus and the related Letter of Transmittal and Consent will also be available free of charge at the SEC's website at www.sec.gov.
This press release is for informational purposes only and shall not constitute an offer to sell or the solicitation of an offer to buy any security and shall not constitute an offer, solicitation or sale in any jurisdiction in which such offering, solicitation or sale would be unlawful.
About the Company
PPL Energy Supply, formed in 2000 and headquartered in Allentown, Pennsylvania, is an energy company engaged through its subsidiaries in the generation and marketing of electricity, primarily in the northeastern and northwestern power markets of the United States. PPL Energy Supply's major operating subsidiaries are PPL Generation and PPL EnergyPlus. PPL Energy Supply is an indirect wholly owned subsidiary of PPL Corporation, a Pennsylvania corporation.
Certain statements included in this press release, including statements concerning expectations, beliefs, plans, objectives, goals, strategies, future events or performance and underlying assumptions and other statements which are other than statements of historical fact are "forward-looking statements" within the meaning of the federal securities laws. Although we believe that the expectations and assumptions reflected in these statements are reasonable, there can be no assurance that these expectations will prove to be correct. Forward-looking statements are subject to many risks and uncertainties, and actual results may differ materially from the results discussed in forward-looking statements. In addition to the specific factors discussed in the "Risk Factors" section in the Offering Memorandum and in the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2011, the following are among the important factors that could cause actual results to differ materially from the forward-looking statements: fuel supply cost and availability; weather conditions affecting generation, customer energy use and operating costs; operation, availability and operating costs of existing generation facilities; the length and cost of scheduled and unscheduled outages at our generating facilities; transmission and distribution system conditions and operating costs; potential expansion of alternative sources of electricity generation; potential laws or regulations to reduce emissions of "greenhouse" gases or the physical effects of climate change; collective labor bargaining negotiations; the outcome of litigation against us; potential effects of threatened or actual terrorism, war or other hostilities, cyber-based intrusions or natural disasters; our commitments and liabilities and those of our subsidiaries; market demand and prices for energy, capacity, transmission services, emission allowances, renewable energy credits and delivered fuel; competition in retail and wholesale power and natural gas markets; liquidity of wholesale power markets; defaults by counterparties under energy, fuel or other power product contracts; market prices of commodity inputs for ongoing capital expenditures; capital market conditions, including the availability of capital or credit, changes in interest rates and certain economic indices, and decisions regarding capital structure; stock price performance of PPL Corporation, our parent; volatility in the fair value of debt and equity securities and its impact on the value of assets in PPL Susquehanna's nuclear plant decommissioning trust funds and in defined benefit plans, and the potential cash funding requirements if fair value declines; interest rates and their effect on pension, retiree medical, and nuclear decommissioning liabilities, and interest payable on certain debt securities; volatility in or the impact of other changes in financial or commodity markets and economic conditions; profitability and liquidity, including access to capital markets and credit facilities; new accounting requirements or new interpretations or applications of existing requirements; changes in securities and credit ratings; current and future environmental conditions, regulations and other requirements and the related costs of compliance, including environmental capital expenditures, emission allowance costs and other expenses; legal, regulatory, political, market or other reactions to the 2011 incident at the nuclear generating facility at Fukushima, Japan, including additional Nuclear Regulatory Commission requirements; political, regulatory or economic conditions in states, regions or countries where we and our subsidiaries conduct business; receipt of necessary governmental permits, approvals and rate relief; new state, federal or foreign legislation, including new tax, environmental, healthcare or pension-related legislation; state, federal or foreign regulatory developments; the impact of any state, federal or foreign investigations applicable to us and the energy industry; the effect of any business or industry restructuring; development of new projects, markets and technologies; performance of new ventures; and business dispositions or acquisitions and our ability to successfully operate such acquired businesses and realize expected benefits from business acquisitions. Any such forward-looking statements should be considered in light of such important factors and in conjunction with other documents we file with the Securities and Exchange Commission. New factors that could cause actual results to differ materially from those described in forward-looking statements emerge from time to time, and it is not possible for us to predict all such factors, or the extent to which any such factor or combination of factors may cause actual results to differ from those contained in any forward-looking statement. Any forward-looking statement speaks only as of the date on which such statement is made and, except as required by applicable law, we undertake no obligation to update the information contained in such statement to reflect subsequent developments or information.
SOURCE PPL Energy Supply
DevOps theory promotes a culture of continuous improvement built on collaboration, empowerment, systems thinking, and feedback loops. But how do you collaborate effectively across the traditional silos? How can you make decisions without system-wide visibility? How can you see the whole system when it is spread across teams and locations? How do you close feedback loops across teams and activities delivering complex multi-tier, cloud, container, serverless, and/or API-based services?
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Today every business relies on software to drive the innovation necessary for a competitive edge in the Application Economy. This is why collaboration between development and operations, or DevOps, has become IT’s number one priority. Whether you are in Dev or Ops, understanding how to implement a DevOps strategy can deliver faster development cycles, improved software quality, reduced deployment times and overall better experiences for your customers.
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In the 21st century, security on the Internet has become one of the most important issues. We hear more and more about cyber-attacks on the websites of large corporations, banks and even small businesses. When online we’re concerned not only for our own safety but also our privacy. We have to know that hackers usually start their preparation by investigating the private information of admins – the habits, interests, visited websites and so on. On the other hand, our own security is in danger bec...
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The Internet of Things (IoT), in all its myriad manifestations, has great potential. Much of that potential comes from the evolving data management and analytic (DMA) technologies and processes that allow us to gain insight from all of the IoT data that can be generated and gathered. This potential may never be met as those data sets are tied to specific industry verticals and single markets, with no clear way to use IoT data and sensor analytics to fulfill the hype being given the IoT today.
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Without lifecycle traceability and visibility across the tool chain, stakeholders from Planning-to-Ops have limited insight and answers to who, what, when, why and how across the DevOps lifecycle. This impacts the ability to deliver high quality software at the needed velocity to drive positive business outcomes. In his session at @DevOpsSummit 19th Cloud Expo, Eric Robertson, General Manager at CollabNet, will show how customers are able to achieve a level of transparency that enables everyon...
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“Media Sponsor” of SYS-CON's 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. CloudBerry Backup is a leading cross-platform cloud backup and disaster recovery solution integrated with major public cloud services, such as Amazon Web Services, Microsoft Azure and Google Cloud Platform.
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In his general session at 19th Cloud Expo, Manish Dixit, VP of Product and Engineering at Dice, will discuss how Dice leverages data insights and tools to help both tech professionals and recruiters better understand how skills relate to each other and which skills are in high demand using interactive visualizations and salary indicator tools to maximize earning potential. Manish Dixit is VP of Product and Engineering at Dice. As the leader of the Product, Engineering and Data Sciences team a...
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@DevOpsSummit has been named the ‘Top DevOps Influencer' by iTrend. iTrend processes millions of conversations, tweets, interactions, news articles, press releases, blog posts - and extract meaning form them and analyzes mobile and desktop software platforms used to communicate, various metadata (such as geo location), and automation tools. In overall placement, @DevOpsSummit ranked as the number one ‘DevOps Influencer' followed by @CloudExpo at third, and @MicroservicesE at 24th.
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The security needs of IoT environments require a strong, proven approach to maintain security, trust and privacy in their ecosystem. Assurance and protection of device identity, secure data encryption and authentication are the key security challenges organizations are trying to address when integrating IoT devices. This holds true for IoT applications in a wide range of industries, for example, healthcare, consumer devices, and manufacturing. In his session at @ThingsExpo, Lancen LaChance, vic...
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PM Narendra Modi introduced demonetization policy on November 8, 2016, by replacing 500 and 1000 rupee notes by new 500 and 2000 notes. It was believed that the reason behind this policy was to curb black money, to check terrorism and to reform economic policy overall.
So, November 8, the first anniversary of Prime Minister Narendra Modi’s shock decision to ban high-denomination notes will be celebrated by the BJP as anti-black money day announced by the Finance Minister Arun Jaitley.
Prime Minister Narendra Modi and his government have described GST and demonetization as key structural reforms that will deliver vast progress in the fight against corruption and untaxed or black money.
Mr Jaitley reiterated the government’s defence by stating that major objectives behind demonetization have already achieved and these included increasing the base of taxpayers and digital transactions to make the country less reliant on cash.
However, the policy led to the cash crunch and economic slowdown.


ADDITIONAL INSURED VS CERTIFICATE HOLDER (WHAT'S THE DIFFERENCE?)
Additional Insured vs Certificate Holder
Of all the investments you can make in your business, a liability insurance policy is one of the most important.
This type of insurance safeguards your organization from anyone who claims bodily injury or property damage while on your business’ premises or as a result of the products or services you offer.
When you first purchase your liability insurance coverage or you have to add additional employees to your policy, it’s important that you have a firm understanding of adding people to your policy who will be covered by it and a certificate of insurance. So what is the difference between an additional insured vs certificate holder?
What Is A Certificate of Insurance?
Additional insured vs certificate holder. As the name suggests, an additional insured refers to any person – aside from the business – that is covered by your liability insurance policy. When you add someone to your insurance policy, that person has insurance and is guaranteed to receive the benefits offered by that coverage.
If you do add someone to your insurance policy, it is important that you provide him or her with a copy of the insurance so that he or she can certify coverage. It’s also important to note that your insurance provider may raise your premiums when you add additional insure individuals to your insurance policy. The increase in premiums makes sense, as the insurance provider will be covering any claims that are filed against the additional insured individual.
What Is An Additional Insured?
No matter how good you and your employees are there is always the possibility that the worst can happen. If a customer becomes dissatisfied for any reason then they may decide to sue your business and whether you are wrong or right it can cost you a huge amount in legal fees.
Quite often a person will sue a business for unfounded reasons and even if you win the case you will be liable for legal fees in the region of $2000 to $5000. This can be serious money for a small business, and with business liability insurance you will receive assistance with these costs.
What about if your business makes a serious mistake? Serious cases can cost your business an absolute fortune can even be the difference between staying in business and going bust. Don’t take the chance of bankruptcy by facing a lawsuit that could cost hundreds of thousands of dollars.
When you have business liability insurance you will show your clients that you are professional and very serious about what you do. Clients may ask you if you have professional liability cover before they will sign a large contract with you.
Purpose Of A Certificate Of Insurance & Additional Insured
The purpose of a certificate of insurance is to prove that your company is covered by a liability insurance policy, and that the policy is in effect. It’s a way for you to provide proof that your business is insured to whoever may need that proof.
The purpose of an additional insured is to insure another person under your liability insurance policy. By doing so, you will be providing that person with the coverage that is needed should a claim be filed against him or her. So that is the main difference between additional insured vs certificate holder.
The Benefit of a Certificate of Insurance and an Additional Insured
By having a certificate of insurance, you can quickly and easily prove that you have insurance. This can save you from potential headaches and having to contact your insurance company.
The benefit of adding additional insured individuals to your liability insurance policy is the protection it offers your company. For example, should a client file a claim against one of your employees for bodily injury or property damage, your business won’t have to incur the financial losses that can occur with such a claim. Moreover, it prevents the claimant from going after the assets of your business, so long as the liability does not exceed the limits that are established in your policy.
Understanding The Difference
It is important to highlight the difference between additional insured vs certificate holder. If you are a certificate holder, you may be able to see that a company has insurance, the type of coverage the company has with their insurance, and any limits, but the document itself does not provide you with insurance coverage. It is simply a document that proves a business has an insurance policy in place.
If you are an additional insured, however, you are covered by the insurance coverage your company has. Additional insured on certificate of insurance, certificate holder vs additional interest, what does additional insured mean on a certificate of insurance, policyholder vs certificate holder, certificate of insurance additional insured sample, certificate holder insurance, additional insured endorsement, additional insured & acord form.
Additional Insured vs Certificate Holder - The Bottom Line
We hope this article on additional insured vs certificate holder was informative. It is important for both business owners and employees to understand the difference between being a certificate holder and being an additional insured. Oftentimes, employees assume that they are covered by a certificate of insurance simply because they are in possession of proof of the insurance, but unless they are an additional insured individual, they are not covered by the company’s insurance policy. The only way to be covered by the policy is to be added as an additional insured.


- Discover how Hong Kong’s startup ecosystem is thriving, thanks to innovative blockchain technology firms.
- Explore how blockchain technology goes beyond cryptocurrencies, transforming industries like finance, supply chain, and healthcare.
- Learn about top blockchain development companies in Hong Kong, including Axiom Zen, Diginex, and CryptoBLK, shaping the future of blockchain innovation.
In its vibrant urban landscape and rich cultural diversity, this cosmopolitan city has witnessed a significant uptick in startup ventures, with a prominent emphasis on blockchain development companies leading the way. This article examines Hong Kong’s burgeoning startup ecosystem and emphasizes the critical role that blockchain development firms play in driving innovation in this space.
Hong Kong’s Thriving Startup Ecosystem
Hong Kong’s exceptional standing as a global financial epicenter and a gateway to Mainland China has magnetized entrepreneurs and investors from across the globe. The backdrop is ripe for burgeoning startups, fueled by the city’s pro-business regulations, favorable tax regime, and top-tier connectivity. Furthermore, the Hong Kong government has rolled out a spectrum of initiatives aimed at fostering innovation and technology, offering pivotal backing to emerging enterprises.
Within this vibrant ecosystem, one of the most auspicious domains of innovation is undoubtedly blockchain technology. Blockchain holds the transformative potential to reshape operational paradigms for businesses, ushering in elevated levels of transparency, security, and efficiency across diverse industry sectors.
Blockchain’s Impact On Various Industries
Blockchain technology, commonly linked with cryptocurrencies such as Bitcoin, has transcended its original purpose. While it continues to underpin the crypto realm, its utility now spans a multitude of industries, offering remedies for intricate challenges.
Blockchain can optimize financial transactions, curbing expenses while augmenting transparency. It serves as the bedrock for diverse decentralized finance (DeFi) endeavors, empowering peer-to-peer lending, decentralized exchanges, and an array of other innovations. Blockchain’s immutable ledger can improve supply chain management by tracking the movement of goods and verifying authenticity. This helps in reducing fraud and ensuring product quality.
Blockchain enhances the security and interoperability of healthcare data, facilitating secure sharing among authorized parties while maintaining patient privacy. Now, let’s delve into three of Hong Kong’s top blockchain development firms that are making significant contributions to this transformative technology.
Top Blockchain Development Firms
- Axiom Zen
Axiom Zen, headquartered in Hong Kong, is a blockchain development firm renowned for its inventive ventures and unwavering dedication to expanding the horizons of blockchain technology. Among their notable achievements, they are credited as the masterminds behind CryptoKitties, a pioneering blockchain-powered game that achieved widespread acclaim and popularity. This collectibles game demonstrated the potential of blockchain for creating unique digital assets and fostering decentralized communities.
Diginex is another notable player in Hong Kong’s blockchain scene. This firm offers an extensive array of blockchain solutions, encompassing a secure and regulatory-compliant cryptocurrency exchange platform. Diginex is deeply engaged in blockchain education and advocacy efforts, actively striving to foster the widespread adoption of blockchain technology across diverse industries.
CryptoBLK is a blockchain development firm with a strong focus on financial services. They offer solutions for trade finance, digital identity, and regulatory compliance using blockchain technology. CryptoBLK’s innovative approach to blockchain has earned them recognition and partnerships with major financial institutions in Hong Kong and beyond.
Hong Kong’s startup landscape is ablaze with energy, and leading the charge in this wave of innovation are blockchain development enterprises. Hong Kong has cemented its status as a focal point for blockchain technology, fueled by a favorable business climate and strategically positioned at a global crossroads. This magnetism has drawn talent and investment from across the globe. As blockchain’s transformative influence reverberates through diverse sectors, these prominent firms are poised to wield substantial influence in shaping the trajectory of business and finance, not only in Hong Kong but also on a broader international scale.


We don't know about you, but we wouldn't waste any time filming this video with all of this free money on the ground! (KIDDING!)
"I was driving down I70 W towards the airport when I noticed cars pulling over and people running towards the field. I assumed it was a horrible car accident and they were going to help until I kept driving and my grandmother scream “Jazzy that’s money, pull over”. Once I pulled over and got out the car I realized it was money, I started recording"