90 Seconds With… Fred Pye, 3IQ
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Got 90 seconds? Then listen to Chairman and CEO, Fred Pye tell us about their company news.
3IQ is a Canadian investment fund manager that offers investors convenient and familiar investment products to gain exposure to digital assets.
We gave Fred Pye, Chairman and CEO of 3IQ, 90 seconds to tell us more about their recent news.
Have a good idea for our next 90 Seconds With segment? Email us at [email protected].


Africa News blog
African business, politics and lifestyle
African countries are often being told what they need to do to win more investment and expand their economies, but there is always a question as to whether making the changes will really deliver the rewards.
The lesson from top reformer Rwanda seems to support the argument that it is worthwhile.
Registered investment leapt 41 percent to $1.11 billion in 2009 in spite of the particularly difficult global environment. It is expected to rise 20 percent this year. And that is in a small, landlocked country not noted for immense resources, still recovering from the genocide of 1994 and some neighbours that might best be described as unstable.
Rwanda has long been a darling of donors because of its reforms and no doubt also because of guilt over the world’s failure to prevent the mass killings, but this isn’t aid money – it is investment in businesses to generate money and jobs.


|Dryers are devices of convenience, a quick solution for drying your clothes. They are also superb at setting stains and decreasing the longevity of your clothes. Using a dyer costs money because you’ll need to replace worn out clothing.|
Compare the cost of using a dryer with the cost of using a clothesline or an indoor clothes rack. The cost of purchasing a clothes rack is usually between $5 and $20, and this cost is recovered in savings after the first month in most cases. Not only do clotheslines offer additional savings, but air-dried laundry lasts longer. The sun helps remove stains from light clothing, and ultraviolet rays kill bacteria.
To save time and space while air-drying shirts, hang them on hangers. They become less wrinkled, take up less space, and can be moved to the closet as soon as they have dried.


Finding low cost homeowners insurance quotes for Wayland, does not have to be difficult. Our website is designed to help consumers like you to compare multiple providers. Enter your Zip Code in the form above and get a quick look at the top-recommended options for your area.
Home Insurance Quotes That Will Give You Excellent RatesVery few people that get Wayland homeowners insurance actually end up finding the best rates available. They will typically go with what their current insurance provider has for them, usually bundling that in order to get a discount. However, you can find several different Michigan companies that will charge far less than what your existing insurance policy actually offers. In fact, they may even give you more coverage for less money, but you have to obtain home insurance quotes on the web that can lead you to these exceptional deals.
How Do You Get These Quotes?
You can obtain these quotes very quickly by going on the Internet and submitting your information to several businesses through forms that are provided. It may take you a few hours to submit them all, but you will end up with a multitude of different quotes from the companies that they directly work with. Some of them will be major carriers, whereas others may not be companies that you have ever heard of before. You can verify the authenticity of these businesses if you would like to, the more times than not, the business that is allowing you to submit your personal information will have already done that research.
How Much Can You Save?
Long Will It Take To Go Into Effect?
The speed at which the policy will go into effect is usually quite fast. If you are coming up on your next payment with your current insurance provider, it will likely start on the same day so that you do not lose any coverage. Also remember that discounts can also be achieved by paying your premiums annually instead of making monthly payments. These are just a few other things to consider if you are looking for a way to save money on your Wayland, Michigan homeowner insurance policy.This type of insurance is absolutely essential for people that own homes, and similar insurance is necessary when you have rentals. Just make sure that you are getting the best deal possible, something that can only be determined by getting multiple quotes from different insurance providers. It will actually be very worth your while to spend this extra time, and you are not necessarily betraying the trust of your current insurance provider because you will likely keep all of your other policies. It’s just nice to know that you have options, ones that will help you save money on the insurance that protects your home.
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Having home owner's insurance policy is certainly a wise thought. Catastrophes often happen unexpectedly and can consequence in huge bills, and perhaps the reduction of your house. Possessing home owner's insurance policy will support you include the cost of every thing from a burst pipe, to fire hurt. house owner's insurance policy aids you to fix or rebuild your house speedily.
A great deal of renters will not get renters' insurance policies. Renter's insurance coverage covers your individual possessions. You need to get your very own coverage to include your stuff in the event of a hearth, flood, or even theft.
Smoke alarms can help you save on your home insurance policy premiums. With mounted smoke alarms, you can help save around ten% or far more on your yearly house insurance policies premiums. It is feasible that if you insert more smoke detectors, your insurance agent will additional low cost your plan. Don't neglect to notify your agent about your smoke alarms.
An alarm system can aid reduce your premium. It will really lessen the opportunity of your home becoming robbed. Right after reducing the threat of theft, your insurance provider will decrease your price tag. Give your insurance policies organization evidence of your protection program.
If you have been contemplating about relocating to yet another region, this vehicle insurance coverage idea might just be the icing on the cake. If you are situated in an spot with a reduce criminal offense charge, you will obtain favorable protection and will in the long run shell out far significantly less for each month than people who stay in substantial-criminal offense places.
Improve your credit rating rating. You will see lower premiums on your home
If you are satisfied with your home insurance policy company, consider and get increased savings out of them with a several plan price reduction! Many instances a company will offer a important low cost as an incentive for having out much more than a single policy with them so look into coverage for your auto or overall health with the very same business and really perhaps save on two or far more yearly plan rates!
If you have any spare money in a personal savings account, use it to pay off your home. When you own your house outright your annual home insurance policy rates can drop substantially as insurance policies businesses tend to assume that home-owner's are more most likely to get treatment of and secure their house.
Elevating a deductible is a good way to decrease home insurance policy premiums. You have to do research, simply because tiny statements can price you cash and you have to shell out them, this kind of as leaky pipe injury and broken house.
homeowner's insurance policy policy is a "guaranteed replacement worth" one. This protects the expense you have manufactured in your home, since if your home is wrecked in a normal catastrophe, it will be reconstructed, irrespective of the value. Creating a home increases in cost each year. This variety of plan offers you a economic cushion and absorbs the increasing home-building expenses, so you never have to.


Another edition of mortgage match-ups: "FHA vs. conventional loan." Our latest bout pits fha loans against conventional loans, both of which are popular home loan options for home buyers these days.. In recent years, FHA loans surged in popularity, largely because subprime (and Alt-A) lending was all but extinguished as a result of the ongoing mortgage crisis.
While FHA rates may be low, the added costs of mortgage insurance could make refinancing into a conventional loan, even one with a slightly higher rate interest rate, result in lower monthly payments for the borrower. Now, let’s examine the advantages and disadvantages of an FHA to conventional refi.
Fha Versus Conventional Loans What is a Mortgage Pre-Approval Vs Pre-Qualification? – What is a mortgage pre-approval vs pre-qualification? There are many reasons to know the difference between being pre-approved and pre-qualified!
FHA loans maximize a homebuyer’s purchasing power by providing lower 30-year fixed interest rates, offering lower mortgage insurance premiums than conventional loans and their down payment.
Conventional Mortgage Loan Definition Va Loan Rates Vs Conventional VA Loan vs. Conventional Loan – lowvarates.com – On average, VA loan rates are as much as 0.5% lower than conventional loan rates. A veteran would save roughly per month on a $280,000 VA loan vs. a comparable conventional loan. streamline refinance or Interest Rate Reduction and Refinance Loan (IRRRL)What Does a.
Current Home Loan Rates California Today’s Thirty Year Mortgage Rates. When purchasing a home, one of the most confusing aspects of the process is selecting a loan. There are many different financial products to choose from, each of which has advantages and disadvantages. The most popular mortgage product is the 30-year fixed rate mortgage (FRM).
Private Mortgage Insurance for FHA and Conventional. Of course, the FHA vs conventional loan debate doesn’t end there. If you put less than 20% down using any loan except for a VA loan, that means you’ll have to get private mortgage insurance.Private mortgage insurance (or PMI) protects lenders in the event that borrowers with low equity default on their loans-and the borrower gets to.
While FHA Mortgage Rates are more competitive than conventional mortgage rates, they cost more in the end, despite the lower rate of interest. Despite the fact that you can secure a better interest rate on an FHA insured mortgage, it’s still a costlier mortgage at the end of the day.
An FHA loan is a mortgage issued by a federally approved bank or financial institution that, unlike a conventional mortgage, is insured by the Federal Housing Administration. This mortgage insurance provides the security that qualified lenders need in order to take on a riskier loan.
What Is A Non Conventional Loan Nc Housing Interest Rates Affordable housing efforts get a boost from $205 million in tax breaks and low-interest loans – Efforts to expand North Carolina’s inventory of affordable housing. interest loans help keep out-of-pocket expenses lower for the developers and owners of the communities, who in turn are able to.Conventional loans are known as a conforming loan because they meet the criteria set by Fannie Mae and Freddie Mac. Why Conventional Loans are so Popular. Conventional loans are the most popular type of mortgage used today. A conventional mortgage is a conforming loan because it meets the standards set by Fannie Mae and Freddie Mac.


How much Lottery revenue is allocated to each school district?
All New York Lottery revenue is turned over to the State's general fund. Each year the State Legislature adopts a formula in the State budget to distribute aid statewide. Click below for money allocation to schools by county.
New York Lottery Money Allocated To Schools


Again, this is something you might have to find out for yourself. Because, it’s all about what you want in a job. Some people would hate working from home, and some would flourish there. So, whether you choose to try out Home Income System or not, you have to evaluate if you’d like being home every day. And, that’s not to say that Home Income System could even replace your current job. In fact, it looks like the Home Income System actually should be used in your spare time. But, if you were looking for another job and didn’t want to go in to an office, this could be an option for working from home. But, again, you’d have to try out Home Income System for yourself to see if it fits into your lifestyle.
In a real way, Kelly Services practically pioneered jobs from home, since it began primarily as a temporary job service. It now works regularly with some of the very largest employers in the country, providing staffing needs at all levels. They specialize in accounting and finance, administrative, automotive, engineering, information technology, life sciences, and call centers, but actually cover a multitude of industries and job classifications.
Your Deals. In addition to establishing a per-class price, also offer packages to entice people to sign up for more than one class. For example, if you intend to host classes on making soap, offer the classes individually, as well as in a group. Someone could take a class learning how to use fresh flowers in homemade soap, or they could buy a bundle that teaches them how to use those, fresh herbs, and plastic toys for kid’s soap. However you decide to price your classes, remember that the buyer will want to feel like they’re getting a lot for their money. If you can provide that in a fun atmosphere, they’ll likely be back time and time again – and they’ll bring friends.
The other wants to make money because it allows them to make more things. They want to improve their products. They want to extend their lines. They want to create another book, another song, another movie. They love what they make and they see making money as a way to do even more of what they love. They dream of building a company that makes the best things possible... and making money is the way to fuel that dream and build that company they love.
Not only do you need a source of income, but having a second income is a great idea as well. I don’t mean that you have to have an additional part-time job, but find a way to make a couple of extra bucks on the weekends or a few nights during the week. This could be anything from freelance work to selling homemade goods on Etsy. Making an extra hundred bucks every month could have a huge impact on your millionaire journey. It may not seem like a lot, but it can really add up every year.
I signed up for the scam for “only” $5.69. I checked my online banking after reading this and found that they had charged me for the $5.69 as well as $87.73. I went straight to their site and left a scathing message for them advising them to credit it back to my account or I would be contacting the authorities. I guess I should also contact the bank and ask them to block them from taking money. Does anyone know if there’s a way for the bank to be able to stop them from taking my money but still allow them to credit it back? Not that I expect them to actually do it but if they do it would be nice to get that money back. I just lost my job and $87.73 may not sound like much but to me right now its everything.
Transcribe Anywhere is a great course for aspiring transcription professionals looking to turn their work-from-home dreams into reality. The course covers the essential technical skills every transcriptionist needs, including time-saving tools to boost your efficiency. You’ll also learn how to find work and build your at-home business from the ground up. Get started with a free introductory transcription course by following the link above.
Many of the best web design jobs come from customer referrals. However, a great way to get started is by listing your services on websites like 99designs or Fiverr. Here, you can connect with thousands of potential customers who are searching for the exact services you offer. You may also have the opportunity to upsell them after they purchase your introductory offer.
While we all have some extra time, it often doesn't feel like it. But it also doesn't take too much effort to make some extra dough on the side. We're not talking about millions upon millions here -- we're mostly talking about doing small, bite-sized projects to generate some fast cash. And depending on your skill set, you could easily make a few hundred dollars or even a few extra thousand per month.
Net worth is probably the most important financial number you can track. It’s a simple way to see your financial life with a few basic calculations. Every month income comes in, and expenses go out to pay bills and rent. If after all your expenses are paid if you still have some money left over – that’s great. Now you have money to invest and grow.
Successful investors also know not to put all of their money eggs in one basket — or two baskets, for that matter. They spread their wealth across a variety of investments, from stocks, mutual funds, ETFs and bonds, to real estate, collectibles and startups. A diversified portfolio means that you can potentially take advantage of multiple sources of growth and protect yourself from financial ruin if one of your investments bombs.
Okay, let's now start to apply all this to what we should do if we want to try to go out and get rich. Let's apply this to some affluent modern industries and companies. I'll give you two examples. The first example concerns that image of productivity that we Americans have as we look toward Japan. We fantasize that the industrial productivity of Japan and Germany is greater than that of the United States. And that's not true. On the average, American industrial productivity is higher than the industrial productivity of either Japan or Germany. But that average figure conceals differences among the industries of the same country, related to differences in organization — and those differences are very instructive. Let me give you two examples from case studies carried out by the McKinsey Corporation, an economics study industry based in Washington. These two examples involve the German beer industry and the Japanese food-processing industry.
This scam is actually a pyramid scheme, you refer friends and family to increase your standing within the pyramid. After some “suspicious” business decisions, the people within the bottom of the pyramid is bankrupt (i.e your friends and family) and you in serious debt. Not only are do your friends and family now despise you but you’ve racked up a large series of debts. STAY THE **** AWAY!!!
Two thoughts come to mind. First, at 27 you have a whole life in front of you, so whatever you do will be right if it is directed correctly. Second, pick a goal and work towards it (e.g., pay off medical debt; or pay off condo mortgage). Always remember, as you succeed in any one of these, then you can broaden out into other investments opportunities (e.g., stocks, mutual funds, real estates, etc.). The choice and timing are yours to call. My basic point; however, is while you are young “focus” on a GOAL and go after the goal aggressively.
Decluttr is easy to use. Grab an unwanted item, check that Decluttr buys it (for instance: CDs are great, old clothing is not), and enter its barcode into Decluttr’s “valuation engine” or use your Decluttr smartphone app (iOS and Android) to scan your item directly. You’ll receive an instant price quote that you can accept or decline with no obligation. If you accept, just pack your items into a box large enough to fit them, slap a free Decluttr shipping label on it, and bring it to any authorized UPS location (including drop boxes, if your box contains fewer than 25 items). Decluttr issues your payment the day after your item arrives by PayPal, direct deposit, or paper check. There’s no practical limit to the number of items you can sell: each order is technically limited to 500 items, but you can create as many orders as you like in any given timeframe.
There is no money made without a risk taken. Whether it’s starting a business or investing in stocks, every avenue to making money requires some risk. Even selling your old furniture requires you taking the risk that the buyer will show up and will pay you. It is a comparatively small risk when compared to deciding whether to spend millions of dollars on a new product line, but it is still a risk.
I gave this a 4 star because it was a good tale of truth but it didn't say anything all that new or amazing. I liked the story because I could relate to the time period and to my own reactions to the experiences I personally had during that same time as I took my turn at becoming rich. It was accurate based on my experiences...every single thing he wrote. But the hardest part then becomes keeping it.
Thanks for sharing. Since you’re short on time, go online right away. Use groups on social media and public classifieds to sell everything you don’t need (bonus: you’re decluttering your home and getting a head start on spring cleaning). If you take clear photos and can write a few lines of fetching the copy, you could have hundreds or even thousands of dollars’ worth of offers by the end of the day.go to Home Jobs by Mom.
Use your skills to do day labor. Post an ad online or on a bulletin board offering to do odd jobs or sign up with an employment agency that specializes in temporary work. You can also go where other day laborers meet and wait for employers, such as building contractors, landscapers, homeowners and small business owners. Common odd jobs people need day laborers for include:
A work from home job can be any position that does not require you to be in an office. There a wide range of work from home jobs. Some companies offer opportunities for employees in traditional roles to work remotely for all or some of their workweek. These jobs often use technology for meetings, assignments, and collaboration. This practice is called telecommuting. Other work from home opportunities may include jobs such as customer service representatives for which companies will hire remote workers, or part-time virtual assistants to manage work which does not require a physical presence in the office.
However, there are ways for stay-at-home moms and dads to earn a bit of extra cash to supplement the family budget without leaving the house or sacrificing time with the kids. In fact, here are 10 money-making opportunities that can be pursued when your children are at school or asleep, or possibly even when they are awake and demanding your attention. The earnings potential is modest, and not every opportunity will be right for you, but over the course of a year you could pocket hundreds – and possibly even thousands – of dollars.
*This opportunity is for an independent contractor and consecutive hours on the road may not exceed specified limits. Stated trip earnings of $304.34/week are based on 20 hours of driving per week using the net median national earnings of driver partners from December 2018. Median earnings in your specific location may be lower than the national figure. Actual earnings vary depending on number of rides accepted and taken, time of day, location and other factors.
Phony job listings on legit job-hunting websites. One fraudulent group was listing fake jobs on CareerBuilder, which is an otherwise respectable site. The group was charging a big fee for a background check before consideration of any applicants. Federal, state and local authorities received more than 17,000 complaints filed by people who were ripped off by this particular group. And that’s just the number of people who found their way to complain. Who knows how many others were taken?
You might be desperate for work, but don’t necessarily jump at an opportunity that sounds too good to be true. In my article about common Craigslist scams, I wrote about fake employers who “hire” new employees, then “accidentally” send them too much pay. They’ll ask their victims to wire back the difference, but a few weeks later, when the bank discovers that the initial check is a fraud, the “employee” is on the hook for hundreds, sometimes even thousands of dollars. If a job offer sounds too good to be true, it probably is.
There you have an example from the German beer industry about the disadvantages of having lots of small groups that are secretive and don't compete with each other. The other example that I want to tell you about is the Japanese food-processing industry. I mentioned that we Americans are virtually paranoid about the efficiency of the Japanese, and it's true for some Japanese industries, but not for their food-processing industry. Japanese processed food is produced with an efficiency 32% of American processed foods. There are 67,000 food processing companies in Japan; there are only 21,000 in the United States, although the U.S. has double Japan's population, so the average food-processing company in the United States is six times bigger than its Japanese counterpart. What is the reason why the Japanese food-processing industry, like German beer industries, consists of small companies with local monopolies?
Stay rich. It's hard to get rich, but it's even harder to stay rich. Your wealth is always going to be affected by the market, and the market has its ups and downs. If you get too comfortable when times are good, you'll quickly drop back to square one when the market hits a slump. If you get a promotion or a raise, or if your ROI goes up a percentage point, don't spend the extra. Save it for when business is slow and your ROI goes down two percentage points.


NYC business, civic leaders want ‘strategic’ use of funds
Nearly two dozen business and civic leaders urged Mayor Bill de Blasio and other leaders to prioritize the sectors and communities most affected by COVID-19 when doling out billions in federal aid — blasting the current approach as “scattershot.”
In a Wednesday letter, representatives from the Chambers of Commerce in all five boroughs and multiple other agencies addressed the mayor, Speaker Corey Johnson and City Council members.
They pushed for the city’s proposed $98 billion executive budget to be amended over the next three weeks before it is approved, making more “strategic” use of $6 billion granted though the Biden administration’s American Rescue Plan.
“Thanks to a one-time infusion of $6 billion in flexible federal aid, New York City has the resources to achieve a rapid and equitable recovery from the ravages of COVID-19,” the…


Market movers today
Today we get final PMI services including the Swedish, Spanish and Italian ones.
In Sweden, we get service production for June and the preliminary GDP numbers for Q2 that are widely expected to be historically weak. In Norway we get house price data.
In the euro area, retail sales for June are due out 11:00 CEST, which are expected to show another solid increase in line with retail sales on a country level.
In the US, the ADP jobs report will attract attention, as the high-frequency data showed that the US recovery stagnated in July. Just note that the ADP jobs report does not have a good track record forecasting the official jobs report on Friday. ISM non-manufacturing at 16:00 CEST is expected to remain above 50 despite the recovery stalling in July.
Besides that we keep monitoring the US negotiations on the next stimulus bill and new COVID-19 cases in particular in Europe where infections have been on the rise lately although it is too early to call them second waves in most countries.
Selected market news
European periphery bond markets continued to perform yesterday as record-low US yields, ECB buying, EU fiscal support schemes and hunt for yield pushed investors towards ‘high-yielding’ Italy and Spain. Yield on 10Y BTP dropped below 1% and 30Y Spain to 1.05%. US 10Y treasury yields dropped to 0.505%, the lowest level ever as market expectations of Fed keeping rates low ‘for ever’ and rapidly falling rates volatility added to treasury demand. Bloomberg also reported that the recent weakening of the US dollar according to market sources had triggered currency unhedged treasury buying from Asian investors.
In the US, the equity markets ended the day slightly higher as markets were focusing on the possibility of a new round of fiscal stimuli and more easing through stronger Fed forward guidance or yield curve control. Energy producers took the lead as the explosion in Lebanon reignited geopolitical fears in the Middle East region, though it remains unclear what caused the explosion. Brent oil moved approximately one dollar higher to USD44.5 a barrel on the news. Asian stock markets are mixed this morning.
There is still high uncertainty whether a deal on a new US stimulus package can be reached in the US. However, both Treasury secretary Mnuchin and Nancy Pelosi from the Democratic Party said that they expected to reach an agreement this week.
On the virus numbers we note that California reported the fewest new infections since June and both Florida and Arizona saw lower numbers.
The relationship between China and the US continues to worsen. Yesterday, Chinese state-run media said that the demand for a sale of the US operation of TikTok is a theft and called the Trump demand for a payment to the US government an ‘open robbery’.


This Commissioner’s Policy Statement is issued under the authority of the Commissioner and should be read together with the ACNC Policy Framework, which sets out the scope, content and definitions common to our policies.
- This Commissioner’s Policy Statement outlines the process by which the Commissioner will apply administrative penalties to registered charities that fail to lodge documents on time under Subdivision 175-C of the Australian Charities and Not-for-profits Commission Act 2013 (Cth) (ACNC Act).
- This policy does not cover the application of administrative penalties in the case of false or misleading statements. The policy statement outlining the Commissioner’s approach to these penalties is Commissioner’s Policy Statement 2015/02: Penalties for false or misleading statements.
- Under section 175-35 of the ACNC Act, all registered charities are liable to pay an administrative penalty if they fail to provide a report, return, notice, statement or other document to the Commissioner in the approved form by the due date.
- The ACNC relies on charities providing required documents in a timely manner. When a charity fails to report on time, it reduces the transparency and integrity of the Charity Register, and risks undermining public trust and confidence. The penalty provisions encourage charities to ensure they meet their reporting and notification obligations.
- Currently, all registered charities are required to lodge an Annual Information Statement within six months of the end of the charity’s accounting period, each year. The default accounting period ends on 30 June but charities can apply to the Commissioner to approve a different accounting period under section 60-85 of the ACNC Act.
- Charities must notify the ACNC in the approved form about certain changes to their circumstances or details (namely, changes to the charity’s name, Address For Service, Responsible People, and governing documents), as well as some contraventions or non-compliance with the ACNC Act. For more information about this obligation, see Commissioner’s Policy Statement 2013/02: Duty to Notify. Where notification is required in an approved form, and this form is not provided in the required time, the penalty for failing to lodge documents on time can also apply.
- In some circumstances, failing to lodge documents when required can be grounds for the ACNC to revoke the registration of a charity (subparagraph 35-10(1)(c)(i) of the ACNC Act). The Commissioner’s approach to the revocation of charities is addressed in Commissioner’s Policy Statement 2014/03: Revocation by the ACNC.
- From time to time, the Commissioner may defer the due date for lodgement of documents under section 190-15 of the ACNC Act, including the Annual Information Statement. Deferrals may be granted to certain classes of charities, or to individual charities. To request a deferral, charities should contact email@example.com. Where a deferral has been granted, the deferred date is treated as the date by which documents were required to be lodged for the purposes of the ACNC Act.
Penalties for late lodgement of documents
- Charities that fail to lodge their Annual Information Statement by the relevant due date are liable to pay a penalty. Similarly, charities are liable to pay penalties for late lodgement where they fail to notify of changes to their circumstances or details as well as some contraventions or non-compliance with the ACNC Act in the required time, using the approved form.
- The penalty amount that applies depends on the size of the charity (see sections 175-40 and 205-25 of the ACNC Act) and is calculated by reference to the ‘base penalty amount’. The base penalty amount is increased for every 28 days (or part of 28 days) that the document is not submitted.
- The base penalty amount is calculated by multiplying one penalty unit by the number of 28 day periods (or part of 28 days) that the document is overdue (up to a maximum of five penalty units). For example, where a charity lodges a document 31 days late, the base penalty amount would be 2 penalty units: one unit for the first 28 days, and one penalty unit for the subsequent part of 28 days (3 days).
- The base penalty amount is then multiplied by 1, 2 or 5 depending on whether the charity is small, medium or large respectively, to calculate the penalty amount payable. The value of a penalty unit is set by section 4AA of the Crimes Act 1914 (Cth), and is subject to change – see Attachment 1.
- If the reason that a charity has not submitted a document is because it is no longer operating and therefore not entitled to registration, the ACNC may revoke the charity’s registration under section 35-10 of the ACNC Act (see Commissioner’s Policy Statement 2014/03: Revocation by the ACNC).
- Penalties become due for payment only once the Commissioner has given written notice of the charity’s liability to pay the penalty. The notice the Commissioner issues will specify the amount of the penalty, the reasons why it applies and the due date to pay the penalty (which must be at least 14 days after the date of the notice).
- While penalties must be calculated and communicated by the ACNC, the collector of the penalty is the ATO. The ATO will treat the penalty as a primary tax debt, and may take action to recover the debt if it is not paid. The general interest charge will apply to any penalties that are not paid by their due date (irrespective of whether the charity has requested remission of the penalty).
Who must pay the penalty?
- A registered charity that fails to provide a document in the approved form by its due date is liable to pay the administrative penalty (sections 175-35, 60-5 and 60-10 of the ACNC Act).
- Furthermore, in some circumstances, the responsible persons of a charity can be responsible for meeting the charity’s liabilities under Division 180 of the ACNC Act.
- The directors (including committee members) of an unincorporated association or body of persons are jointly and severally liable and may be required to pay the penalty amount in full or part. Directors may split the payment equally, one director may pay the entire penalty, or each director may pay a percentage of the penalty. However, until full payment is made, each director remains liable for the outstanding amount.
- For charities that are trusts, each of the trustees are jointly and severally liable to pay the penalty. If any of the trust’s trustees is a corporate trustee, the directors of the corporate trustee are also jointly and severally liable if the late lodgement arose from a deliberate act or omission of the director that involves dishonesty, gross negligence or recklessness.
- In the case of charities that are bodies corporate (such as companies or incorporated associations), the directors of the charity are also jointly and severally liable (with the charity) if the late lodgement arose from a deliberate act or omission of the director that involved dishonesty, gross negligence or recklessness.
Remission of penalties
- The Commissioner has the power to remit all or part of an administrative penalty that arises due to a failure to lodge documents on time under section 175-60 of the ACNC Act. That is, the Commissioner can determine that a penalty does not apply or reduce the amount of the penalty.
- Penalties for late lodgement of documents will generally be applied in such a way as to influence timely submission by charities.
- Consistent with the ACNC Regulatory Approach, where a penalty has been imposed for failing to lodge documents on time, the ACNC will take a risk-based approach to remission.
- The Commissioner will consider the potential harm of any continued non-compliance (in terms of broader public trust and confidence, the need to maintain the integrity of the Register, etc.) and the charity’s circumstances (in terms of its risk profile, resources and past behaviour).
- In deciding whether to remit a penalty in part or in full, the ACNC will consider a number of factors, including (but not limited to):
- the existence of any extenuating circumstances that caused the late lodgement to occur, or the existence of special circumstances that make it fair and reasonable to remit the penalty,
- whether the ACNC became aware of the late lodgement as a result of the charity’s voluntary disclosure, or after a compliance investigation,
- a charity’s compliance history, and
- whether the outstanding documents have subsequently been lodged.
- For the purposes of penalty remission, the ACNC considers extenuating circumstances to be those that are outside of the control of the charity, and which had a significant impact on the charity’s ability to meet its reporting obligations.
- An inability to lodge the document due to being busy or having a change in staff is unlikely to be considered extenuating circumstances. Similarly, a failure to receive reminders from the ACNC (when reminders had been sent to a charity’s address for service) would not ordinarily be considered an extenuating circumstance.
- The weight given to a charity’s compliance history depends on all the circumstances. A good compliance history will not give rise to an automatic remission of penalties. Rather, the ACNC will consider the behaviour that the charity displayed in relation to the failure to lodge on time (such as intentional disregard or lack of reasonable care).
- Where a charity has a history of non-compliance, generally penalties will be remitted only where clear evidence is provided that the failure to remit the penalty would be unjust in all the circumstances.
- As discussed above, the amount of the administrative penalty varies for charities depending on their size: small, medium or large. The charity’s size is based on its revenue for the reporting period. If the size of a medium or large charity has reduced to a smaller category, since its last reporting period, the Commissioner will consider partially remitting the penalty amount to the penalty amount applicable to the present size of the charity.
- If the ACNC decides not to remit or to remit only part of a penalty for failing to lodge documents on time (and the penalty amount that remains payable is more than 2 penalty units), the charity may object to the penalty within 60 days of the penalty notice being served. If the objection is disallowed, the charity may apply for review by the AAT or appeal to a court. For more information, see Commissioner’s Policy Statement 2012/04: Reviews and Appeals.
- Australian Charities and Not-for-profits Commission Act 2012
- Australian Charities and Not-for-profits Commission Regulation 2013
- ACNC Regulatory Approach
- Commissioner’s Policy Statement 2013/02: Annual Information Statements
- Commissioner’s Policy Statement 2013/03: Duty to notify
- Commissioner’s Policy Statement 2012/09: Voluntary revocation
- Commissioner’s Policy Statement 2014/03: Revocation by the ACNC
- Commissioner’s Policy Statement 2012/04: Review and appeals
|Version||Date of effect||Brief summary of change|
|Version 1 - Initial policy||
|Initial policy endorsed by the Commissioner on 30 June 2014|
|Version 2||09/01/2017||Amendments to remove reference to transitional arrangements and to further clarify the ACNC’s approach|
|Amendments to clarify that the base penalty amount is calculated with reference to the number of 28 days periods (or part of a period of 28 days)|
Removed outdated reference to penalty unit amount


Trading ranges are tight and liquidity levels are low across financial markets this morning as participants square positions into what could be an eventful holiday weekend. Short-term Treasury yields are inching higher, oil prices are up slightly, and equity futures are edging into a softer session ahead of tomorrow’s US personal consumption expenditures print – which will land amid a Good Friday market closure. Jerome Powell is also scheduled to participate in a discussion at the San Francisco Federal Reserve’s Macroeconomics and Monetary Policy conference at 11:30 tomorrow morning, raising the risk of dramatic moves when markets reopen next week in the unlikely event he says something earth-shaking.
The US dollar is trading near a six week high after Federal Reserve Governor Christopher Waller again argued there is no rush to begin cutting interest rates. “Shorter-term inflation measures are now telling me that progress has slowed and may have stalled,” he warned in a speech delivered to the Economic Club of New York, “Though the February reading is estimated to step down from January’s, this recent pace would not represent significant progress toward 2 percent”. Noting that a number of his colleagues on the central bank’s rate-setting committee had turned more hawkish when preparing the latest “dot plot”, he said “In my view, it is appropriate to reduce the overall number of rate cuts or push them further into the future in response to the recent data”.
The American economy is losing momentum, but remains far stronger than almost anyone expected. The Atlanta Fed’s GDPNow nowcasting model suggests that real gross domestic product growth could end the quarter near 2.1 percent, with tomorrow’s personal income and expenditures report carrying the potential for a final upgrade.
The greenback continues to follow ‘dollar smile’ dynamics. The theory – originally advanced by Morgan Stanley’s Stephen Jen – suggests that the greenback tends to increase in value against other currencies when the US economy is extremely weak or very strong. It goes up at either end of the spectrum – just like a smile – and falls in the middle when global growth differentials narrow and investors move money overseas. We think cooling US growth – particularly in employment measures – and relative stability in other economies will put downward pressure on the greenback in the quarter ahead, but still don’t expect losses to come close to the consensus forecasts established at the end of 2023.
The Canadian economy probably grew slightly slower than Statistics Canada’s 0.4-percent early estimate in January, and with the rebound largely coming from a cessation in public sector strike activity, it should remain clear that all is not well in the broader economy. February’s preliminary number might look better though – oil prices are up, housing markets are seeing a flurry of activity, and the number of hours worked is rising. We don’t rule out an early-year rebound in growth that tops the Bank of Canada’s last 0.5-percent estimate for the first quarter. (08:30 EDT)
Canada SEPH January’s Canadian Survey of Employment, Payrolls and Hours should show job vacancies declining further, while wage growth continues to soften. (08:30 EDT)
The Federal Reserve’s preferred inflation indicator – the core personal consumption expenditures index – likely slowed in February, with early estimates suggesting that the month-over-month increase dropped to 0.3 percent, down from 0.4 percent in the prior month. Surprises are unlikely: both the consumer price index and producer price index anticipate the print, and during last week’s post-decision press conference, Jerome Powell said he expected a print “well below 30 basis points,” suggesting that the seasonal issues that plagued January’s report would begin to fall out of the data. Strong hiring, hours worked, and wage growth should help keep the personal income and expenditures numbers aloft, pointing to continued resilience in US consumer spending levels. (08:30 EDT)
North American markets are closed for Good Friday, and currency market liquidity will be thin, potentially exaggerating the impact of any unusual developments.


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BRUSSELS (AP) | European Union leaders called for a global financial transaction levy and more responsible banking pay in the hopes the moves could help buffer against future market crises, according to a joint statement published Friday.
British Prime Minister Gordon Brown said there was “growing support” around the world for such a levy and that other EU nations were supportive of Britain’s plans for a one-off tax of 50 percent for all bonuses of more than more than $40,800.
France said it would follow suit - and called on others to join them. French President Nicolas Sarkozy said, “We want and expect others to do the same because we are in a globalized world.”
“It would be very difficult for Gordon Brown to say he was the only one to do it. It would have been impossible to say I was the only one to do it, so we do it together,” Mr. Sarkozy told reporters.
Mr. Sarkozy’s warm words of support for Mr. Brown were in striking contrast to recent comments in which he claimed victory for France over Anglo-Saxon economics in nabbing a key EU financial services post for a Frenchman, Michel Barnier.
But the EU’s 27 leaders stopped short of saying they would also introduce taxes on bankers’ bonuses. German Chancellor Angela Merkel gave a lukewarm response Thursday, calling the British tax “a charming idea.”
She also told reporters that a bonus tax might raise constitutional problems in Germany - and that it was more of a problem for British companies. Separately, 11 leading German banks and insurers agreed Friday to link pay to “sustainable business success.”
In a statement, the EU’s 27 leaders broadly backed limits on bankers’ pay, saying that the financial sector should “immediately implement sound compensation practices” and that governments could consider “short-term options” - such as a bonus tax - if they want to.
They also said a global tax on financial transactions should be one of several options that the International Monetary Fund should investigate when it puts forward plans on how the world should respond to the financial crisis.


ADMINISTRATIVE LETTER: 19 (Sent by regular mail only)
POLICY CODE: GCB
TO: Superintendents of Schools and Directors of Career & Technical Education Regions
FROM: Susan A. Gendron, Commissioner
DATE: January 24, 2007
RE: Verification of Certified Teachers with a Salary below $27,000 for the 2006-07 School Year in “Qualifying School Administrative Units” – Due Date: February 2, 2007
In 2006-2007, the State will provide each qualifying school administrative unit with the funding needed to raise salaries from the levels in locally established salary scales to the statutory minimum amount of $27,000. A “qualifying school administrative unit” means a school administrative unit as defined in 20-A MRSA, section 1, subsection 26 or a career and technical education region as defined in 20-A MRSA, section 8301-A, subsection 6.
Enclosed with this letter is the “2006-07 Verification of Eligible Staff Salaries below $27,000” report that lists your school administrative unit’s or career and technical education region’s certified staff eligible for the minimum salary supplement. The information in this report is from the data that school administrative units have placed in the MEDMS Staff Information System. The “2006-07 Verification of Eligible Staff Salaries below $27,000” report should be verified, signed and returned to the Department of Education by February 2, 2007 to the address indicated on the report. Once the eligibility and adjustment have been verified, the total adjustment amount will be calculated for each school administrative unit or career and technical education region and payment will be as follows: (1) school administrative units will receive an adjustment to the unit’s subsidy printout (ED281) – therefore the salary supplement for the entire 2006-07 school year will be included in the remaining monthly subsidy checks; and (2) career and technical education regions will receive a payment in the amount of the total adjustment.
If the enclosed “2006-07 Verification of Eligible Staff Salaries below $27,000” report is incorrect or missing “eligible” staff, please indicate the appropriate corrections or missing staff (including MEDMS ID number) on the verification report and submit it to the Department of Education to the address indicated on the verification report. All corrections and changes will be verified against the information in the MEDMS Staff Information System. If corrections do not match the information in the MEDMS Staff Information System, the correction cannot be included in the calculation of the salary supplement.
Staff Eligibility for New Minimum Salary Requirements:
Eligible certified staff who are employed either full or part-time in a “qualifying school administrative unit” are eligible for an adjustment in their annual salary as necessary to achieve the minimum salary amounts spelled out in the new law. The minimum salary requirement applies to all certified staff positions listed below who are employed in a “qualifying school administrative unit”; they must be certified pursuant to 20-A MRSA section 13013 for the positions they hold. The following are the staff positions eligible for the minimum salary supplement:
- Classroom Teacher;
- Special Education Teacher;
- Literacy Specialists;
- Library/Media Specialists; and
- Guidance Counselors.
The requirement applies to all categories of certification including provisional (20-A MRSA section 13012), professional (20-A MRSA section 13013), conditional (20-A MRSA section 13011(10)), and targeted needs (20-A MRSA section 13011(9)) certificates.
If you have any questions, please contact Suzan Beaudoin via email: firstname.lastname@example.org


With New Federal Aid, LA Metro Says It Will Restore Service To Pre-Pandemic Levels By September
The American Rescue Plan will provide U.S. public transit agencies more than $30 billion to keep buses and trains moving. About $1.6 billion of that aid will go to public transit agencies in Los Angeles and Orange counties.
That funding will be divvied up by the Southern California Association of Governments to county transit agencies, including the L.A. County Metropolitan Transportation Authority. Those agencies will then allot some of that aid money to municipal transit departments, such as LADOT and Foothill Transit.
With this new federal aid, L.A. Metro will be able to restore service to pre-pandemic levels by this September, according to L.A. Mayor Eric Garcetti, who chairs Metro's board. That's a full year earlier than initial projections, he said.
Great to join @MetroLosAngeles & @LADOTofficial to celebrate a transformative investment for L.A.: $1.6 billion from @POTUS' American Rescue Plan for our region's public transit––putting more buses on our roads, more trains in our stations & restored service ahead of schedule. pic.twitter.com/tsg3tfR5rI— MayorOfLA (@MayorOfLA) March 19, 2021
In the early months of the pandemic, ridership on the county's transit system fell roughly 70%, and the agency was expecting it could take two years before ridership returned to pre-pandemic levels. The agency was also bracing for a $1.8 billion revenue shortfall, due mostly to a dramatic drop in sales tax revenue.
As a result, Metro cut bus and rail service by 20%, and ridership has been hovering at about 50% since the summer. The agency has been able to avoid layoffs, though it did offer employees a buyout, which "a small number of employees took," officials said.
Apart from the ARP funding, Metro officials said the agency is also set to receive more than $275 million for some major transit projects: $59 million for the Regional Connector and more than $218 million for the multiple phases of the Purple Line extension.
Speaking at a media briefing Thursday afternoon, Metro CEO Phillip Washington said that funding "will help us keep those projects on track and even accelerate them a bit," though it's not clear yet if that means they'll open earlier than expected.
The CARES Act last spring alloted roughly $1.1 billion for transit agencies in Southern California, and Metro ended up receiving $772.6 million, according to officials.


Albemarle (NYSE:ALB) updated its FY 2019 earnings guidance on Wednesday. The company provided earnings per share (EPS) guidance of $6.25-6.65 for the period, compared to the Thomson Reuters consensus estimate of $6.18. The company issued revenue guidance of $3.65-3.85 billion, compared to the consensus revenue estimate of $3.67 billion.
A number of equities analysts have recently weighed in on the stock. TheStreet cut shares of Albemarle from a b- rating to a c+ rating in a research report on Monday, May 20th. ValuEngine lowered shares of Albemarle from a sell rating to a strong sell rating in a report on Tuesday, July 2nd. Loop Capital dropped their price objective on shares of Albemarle to $108.00 and set a buy rating on the stock in a report on Thursday, May 16th. KeyCorp restated an overweight rating and set a $94.00 price objective (down from $100.00) on shares of Albemarle in a report on Tuesday, July 9th. Finally, Jefferies Financial Group lowered their price target on shares of Albemarle from $114.00 to $90.00 and set a buy rating on the stock in a research note on Monday, May 20th. They noted that the move was a valuation call. Three investment analysts have rated the stock with a sell rating, six have given a hold rating and seven have issued a buy rating to the company’s stock. The company has a consensus rating of Hold and an average price target of $95.77.
NYSE ALB traded up $2.14 on Wednesday, hitting $67.59. The company’s stock had a trading volume of 2,523,783 shares, compared to its average volume of 1,442,325. The company has a debt-to-equity ratio of 0.36, a quick ratio of 0.96 and a current ratio of 1.55. Albemarle has a 1-year low of $63.10 and a 1-year high of $108.74. The stock’s 50-day simple moving average is $71.11. The company has a market capitalization of $7.12 billion, a price-to-earnings ratio of 12.33, a PEG ratio of 0.72 and a beta of 1.59.
The business also recently announced a quarterly dividend, which will be paid on Tuesday, October 1st. Investors of record on Friday, September 13th will be paid a dividend of $0.3675 per share. This represents a $1.47 annualized dividend and a yield of 2.17%. The ex-dividend date of this dividend is Thursday, September 12th. Albemarle’s dividend payout ratio is presently 26.82%.
In related news, SVP Deeanne J. Marlow bought 1,000 shares of the business’s stock in a transaction that occurred on Monday, May 13th. The shares were acquired at an average cost of $70.85 per share, with a total value of $70,850.00. Following the completion of the purchase, the senior vice president now directly owns 1,000 shares in the company, valued at $70,850. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is accessible through this hyperlink. 1.02% of the stock is owned by corporate insiders.
Albemarle Corporation develops, manufactures, and markets engineered specialty chemicals worldwide. Its Lithium segment offers lithium compounds, including lithium carbonate, lithium hydroxide, lithium chloride, and value-added lithium specialties, as well as reagents, such as butyllithium and lithium aluminum hydride for applications in lithium batteries for consumer electronics and electric vehicles, high performance greases, thermoplastic elastomers for car tires, rubber soles, plastic bottles, catalysts for chemical reactions, organic synthesis processes, life science, pharmaceutical, and other markets.
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HSBC has made a series of hires across foreign exchange trading and sales in Asia and Europe, it confirmed today (August 17).
Reform to broaden the use of the onshore repo market in South Korea is expected to help smaller banks and financial institutions better manage their short-term funding and reduce systemic risk. It should...
In this paper (in English and German), Genscape has analysed Combined Heat and Power or Central Heat and Power (CHP)production in the German market, the challenges it raises for market participants, and the key steps required to address the fundamental lack of transparency in CHP plant production.
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South Korea launched its new derivatives product approval system in June but issues remain
Reciprocal currency swap agreements between central banks bolstered market stability in Korea during the crisis in 2007 and 2008
A rapid escalation in tensions on the Korean Peninsula following an announcement that North Korea was responsible for an attack on a South Korean naval vessel drew an instant response from the markets with spreads on South Korean sovereign five-year credit...
South Korea is emerging from the financial crisis with a vastly different financial system and a steady stream of new rules – some pre-planned, some a direct response to the crisis. But for delegates attending Risk Korea 2010, there are concerns about...
Hyundai Securities' technology deal with Sophis may be the start of a trend as Korean firms build their structured products capabilities
Tensions on the Korean peninsula mean CDS prices are likely to stay high for some time, analysts say
Korean hedge fund-related laws need to be relaxed in line with previously stated plans to stop regulatory restrictions holding back the broader financial markets, according to Kenneth Cho, managing director for North Asia at Permal, a fund-of-fund manager....
In response to industry fears of a collateral crunch, regulators have revised the proposed rules on margining for uncleared over-the-counter (OTC) derivatives.You can find out more by downloading this white paper here.
Hong Kong, 1st - 31st Dec 2014
Japan, 24th Apr 2014
Japan, 24th Apr 2014
USA, 30th Apr 2014
USA, 8th - 9th May 2014


Kiva Lending Team: In Loving Memory of Scott
We loan because...
We wish to honor the memory of Scott Nicholas DeCicco. Scott loved young children and sports but he was also drawn to the idea of starting a business of his own. We wish to honor his memory by enabling others to provide for families with children through a small business of their own.
Scott was our beloved son, brother and friend. We miss his presence in our daily lives here on earth. This is our way of honoring his memory as well as his love and interest in others.
Location: United States
2 messages. Join the team to get in on the action!
Samuel received a loan from Diane to purchase a solar powered recharge station to charge mobile phones and LED lights for rural households that are without electricity.
Pablo Jaime received a loan from Diane to purchase a biodigester to turn farm waste into renewable resources.
Nathan received a loan from Diane me obtain workshop space, buy equipment, buy tools to develop aquaponic systems and seeds to cultivate microgreens.
Sopheak received a loan from Diane to purchase a solar home system so that he can have electricity in his house for the first time.
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With prize money from European competition being withheld by UEFA—at least until further investigations can be completed—from 23 clubs as the first step towards full implementation of Financial Fair Play in 2014, the governing body's attempt to reign in unsustainable spending is finally beginning to move from talk to implementation.
So far, a handful of recognisable names such as Athletico Madrid, Malaga, Fenerbahce, and Sporting CP have found themselves in the firing line, but many won't believe that UEFA is willing to to punish bigger clubs who break their financial guidelines until the investigations and warnings turn into meaningful punishment.
Given that the purchase of Liverpool Football Club by Fenway Sports Group was largely predicated on UEFA following through on Financial Fair Play, then, it's no surprise that Ian Ayre has of late begun to publicly push for UEFA to follow through.
"It is very important for the credibility of the UEFA to impose sanctions," said Ayre, who as reported by Agence France-Presse went on to suggest stadium naming rights deals like ones that saw Manchester City and PSG each given nine-figure paydays by companies with ties to their ownership groups are little more than attempts to get around Financial Fair Play regulations
"We need a rigorous application of the rules when it comes to all parties," he said. "There is a legitimate market when it comes to legitimate sponsorship contracts, and what is reasonable must be respected." Ayre further went on to say that Liverpool would support a transfer ban for clubs found guilty of breaking UEFA's regulations once the rules go into full effect.
Meanwhile, Ajax managing director Henri van der Aat went even further when talking about his desire to see those who spend beyond their means punished. "We need tough sanctions," he said, "because if clubs like Real Madrid don't pay the price it has no effect."
And his answer for how UEFA should punish such wilful over-spenders as the Spanish giants was harsh but simple: ban them from European competition.
"The Champions League will survive without one or two of the best clubs. There are plenty of other good teams."


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24 June, 2021
Wealth of India’s Super-rich decreased by 4.4% in 2020: Credit Suisse Report
According to the Interim Edition of ‘Global Wealth Report 2020’ released by Credit Suisse – the overall wealth of India’s super-rich decreased by 4.4% to USD 12.83 trillion in 2020 due to fall in Rupee value.
i.The fall in value of Rupee has caused Number of dollar millionaires in India to fall from 7,64,000 in 2019 to 6,98,000 in 2020. Decline in cumulative wealth of India’s super-rich to USD 12.833 trillion in 2020, down by USD 594 billion or 4.4% compared to 2019. Currently, India is home to 1% of the global rich list.
ii.At the global level, Global Wealth grew by 7.4% in 2020 to USD 418.3 trillion in 2020. The number of millionaires increased by 5.2 million to 56.1 million in 2020.
iii.The Global Wealth Report is released annually. The full edition of the 2020 report will be published in the second quarter of 2021.
About Credit Suisse
CEO – Thomas Gottstein
Headquarters – Zurich, Switzerland
India remains 2nd Largest source of FDI for UK in 2020: UK Report
According to the Inward Investment Statistics for 2020-21 released by the Department for International Trade (DIT), the Government of the United Kingdom (UK) – India retained its position as the 2nd largest source of Foreign Direct Investment (FDI) for the UK in 2020. The United States (US) took the top spot. Indian companies have invested in 99 projects and created 4, 830 jobs in the UK. Foreign investment has created 55, 319 new jobs across the UK in 2020. The US, which is the top source of FDI for the UK, has invested in 389 projects and created 19, 301 new jobs in 2020-21, which is low compared to 2019 (462 projects & 20, 131 jobs).
About United Kingdom
Prime Minister – Boris Johnson
Capital – London
Currency – British Pound Sterling (GBP)
Sanjay Dhotre represented India at G20 Education Ministers,and Labour & Employment Meet 2021
Minister of State for Education Sanjay Dhotre virtually represented India in two G20 meetings – G20 Education Ministers meet 2021 & G20 Ministers for Labour & Employment meet 2021. Minister of Public Education of Italy, Patrizio Bianchi chaired the G20 Education Ministers Meet 2021. Both meetings were held under the Chairmanship of Italy (G20 Presidency for 2021) at Catania, Italy, in a hybrid format. G20 Education Ministers meet 2021 is one of ministerial meetings arranged as part of the G20 Leaders Summit 2021, which will be hosted by Italy in October 2021.
i.During the Education Ministers meet 2021, the leaders reaffirmed the role of education for inclusive economic growth, equity, equality, human dignity, social inclusion, and wellbeing.
ii.During the Labour & Employment meet 2021, the leaders agreed to address the transition from education to work, a central issue for a sustainable and inclusive economic and social recovery.
Members – 20 (19 countries + European Union)
2021 Presidency – Italy
Established – 1999
Tata Power inaugurated India’s largest solar carport at Pune
Tata Motors and Tata Power jointly inaugurated India’s largest grid-synchronized, behind-the-meter solar carport at the Tata Motors car plant in Chikhali, Pune, Maharashtra. The 6.2 MWp solar carport deployed by Tata Power will generate 86.4 lakh kWh of electricity per year and is estimated to reduce 7,000 tons of carbon emissions annually and 1.6 lakh tons over its lifecycle.
India, Italy & Japan launch Trilateral partnership for stability in Indo-Pacific Region
India, Italy & Japan launched a Trilateral partnership to establish stability and a govern-based global order based on approval of all in the Indo-Pacific region. Experts from the 3 nations discussed various things like security issues, collaboration with third world countries, multilateralism and the socio-economic dimension. The Trilateral was inaugurated through a virtual meeting between the Ministry of External Affairs (MEA), the Embassies of Italy in Tokyo and New Delhi and the Japanese foreign ministry besides ambassadors of the three countries’ key stakeholders. The partnership was inaugurated by ambassadors of Italy in Japan and India, Mr. Giorgio Starace and Mr. Vincenzo de Luca respectively. It is India’s 2nd Trilateral partnership with an European power. The first one being the India, France & Australia Trilateral signed in 2020.
Background: The Indian & Pacific Ocean region are witnessing increased influence of China. So in order to counter this, India along with several countries like the US, Japan, Australia are developing partnerships to maintain global order in the region.
Prime Minister – Mario Draghi
Capital – Rome
Currency – Euro
Capital – Tokyo
Currency – Japanese yen
Prime Minister – Yoshihide Suga
India-Fiji inked MoU for cooperation in Agriculture and Allied sectors
i. India and Fiji signed a Memorandum of Understanding (MoU) for cooperation in the field of Agriculture and allied sectors during a virtual meeting. This MoU will be executed by the Ministry of Agriculture & Farmers Welfare (MoA&FW) from Indian side and the Ministry of Agriculture of Fiji.
ii.It was signed by Union Minister Narendra Singh Tomar, MoA&FW from Indian side and Dr. Mahendra Reddy, Minister of Agriculture, Waterways & Environment of Fiji.
iii.There will also be setting up of a Joint Working Group (JWG) to set down procedures and plan and recommend programs of cooperation towards achieving its aims.
Currency– Fijian dollar
Prime Minister– Josaia Voreqe Bainimarama
MoD, GSL sign contract for construction 2 Pollution Control Vessels
The Ministry of Defence (MoD) has signed a contract with Goa Shipyard Ltd (GSL) for the construction of 2 Pollution Control Vessels (PCVs) for Indian Coast Guard (ICG) at a cost of about INR 583 crore. The ships will be indigenously designed, developed and built by GSL. The PCVs will help ICG to respond to oil spill disasters at sea and enhance Pollution Response (PR) efficiency. They will be used for pollution response requirements in Eastern and the ecologically sensitive Andaman & Nicobar Regions. The acquisition is taking place under ‘Buy Indian – Indigenously Designed Developed & Manufactured (Buy Indian-IDDM)’ category of Defence Acquisition Procedure 2020 (DAP 2020) which is the highest priority category of defence capital procurements. The vessels will be delivered by November 2024 and May 2025 respectively.
About Ministry of Defence (MoD)
Union Minister – Rajnath Singh (Constituency – Lucknow, UP)
Minister of State (I/C) – Shripad Yesso Naik (Constituency – North Goa, Goa)
About Goa Shipyard Ltd (GSL)
CMD – Commodore B.B. Nagpal
Headquarters – Vasco Da Gama, Goa
Moody’s Projected India’s Growth Forecast for 2021 to 9.6%, 2022 at 7%
As per the report of Moody’s Investors Service, on June 24, 2021, titled “Macroeconomics India: Economic shocks from second COVID wave will not be as severe as last year’s”, India’s Gross Domestic Product (GDP) growth forecast for the calendar year 2021 was reduced to 9.6 percent from its earlier estimate of 13.9 percent. It also projected a 7 percent growth in 2022. It reported 10 states in India as hardest hit by the second wave of COVID-19 and stated them as accountable for about 60 percent of the pre-pandemic level of India’s GDP. The 4 states, viz, Maharashtra, Tamil Nadu, Uttar Pradesh and Karnataka are mentioned as the largest shares contributor of GDP among all other states in FY20.
About Moody’s Corporation:
Moody’s Investors Service is the operating division of Moody’s Corporation
Headquarters – New York, United States
President &CEO – Rob Fauber
PhonePe launches India’s first Wallet with Auto Top-Up
Digital payments company,PhonePe launched India’s first Wallet Auto Top-up feature using UPI (Unified Payments Interface) e-mandates for its customers. The amount for Auto top-up ranges from Rs 1,000 to Rs 5,000. Under this feature, when a customer will set up a UPI e-mandate the PhonePe will automatically top up the wallet balance when it drops below a minimum level. This feature will save a lot of time and effort as there is no need to manually top up wallet balance for every transaction.
India Ranked 2nd after Turkey in Central bank’s surplus transfers’ share: RBI Report
As per the State of Economy report by the Reserve Bank of India (RBI) in June 2021, India ranked 2nd after Turkey in terms of the share of ‘Surplus Transferred from Central Banks to Governments’. RBI has transferred 0.44 percent of GDP to the Government in FY21, in FY20 it took the 4th position with 0.29 percent.
List of Top 5 countries under Surplus Transfer:
Rank Country Surplus Transferred
(as per percent of GDP in 2021)
1. Turkey 0.50%
2. India 0.44%(FY21)
3. Malaysia 0.26%
4. Sweden 0.13%
5. Kenya 0.04%
About Reserve Bank of India(RBI):
Establishment– 1st April 1935
Headquarters– Mumbai, Maharashtra
Governor– Shaktikanta Das
Deputy Governors – Mahesh Kumar Jain, Michael Debabrata Patra, M. Rajeshwar Rao, T. Rabi Sankar
SBM Bank, Paisabazaar Launched – Step Up Credit Card
Paisabazaar.com, India’s largest lending marketplace and Credit Score platform, and SBM Bank India, the youngest universal Bank, launched the ‘Step Up Credit Card’, a credit-builder product to meet the credit needs of underserved segments. Step Up Credit Card is a secured credit card, provided against the customers’ Fixed Deposit (FD). It was the 1st product that was launched under Paisabazaar’s neo-lending strategy.
About SBM Bank (India) Ltd:
Establishment – 1994
Headquarters – Mumbai, Maharashtra
MD & CEO – Sidharth Rath
Govt Eased Listing Norms for Companies having M-cap over Rs 1 lakh crore
After the Securities and Exchange Board of India’s (SEBI) approval over the amendment of the Securities Contracts (Regulation) Rules, Companies that have a market capitalization (M-cap) of more than Rs 1 lakh crore at the time of listing are now enabled to sell just 5 percent of their shares. The issuer companies should reach a public shareholding of 10 percent within 2 years of listing and 25 percent within 5 years of listing. The amendments became beneficial to the Government of India for the proposed IPO (Initial public offering) of Life Insurance Corporation (LIC), as the minimum divest is reduced to 5 percent than the earlier norms of 10 percent.
i.In March 2021, SEBI along with the Department of Economic Affairs under the finance ministry, amended the Securities Contracts (Regulation) Rules and eased the listing norms for large companies and enabled them to divest a minimum of 5 percent in the IPO, instead of 10 percent.
ii.It has also increased the term for raising the public float to 25 percent, to 5 years instead of 3 years.
About Securities and Exchange Board of India (SEBI):
Headquarters– Mumbai, Maharashtra
Chairman– Ajay Tyagi
Ireland Cricketer Kevin O’Brien Retired from ODIs
Ireland Cricketer Kevin O’Brien has announced his retirement from One-day International Cricket after a 15-year long career. He played 152 ODIs and scored 3619 runs at an average of 29.42 and a strike rate of 88.79. He scored two centuries in the format with the highest score of 142 runs. He scored the fastest century ever in 50-over World Cup, from 50 balls against England on 2 March 2011 in M. Chinnaswamy Stadium,Bengaluru,Karnataka.
Indian Cricketer Shafali Verma Became the 1st Women Cricketer to Hit 3 Sixes in Test Match
Indian women cricketer Shafali Verma(17 years old), became the first women’s cricketer to hit 3 sixes in a test match. She achieved the feat during the one-off test match between India and England held in Bristol, England.
About Sahafali Verma:
i.Shafali Verma became the youngest woman, and the fourth overall, to score twin half-centuries in her debut Test match. Previously the record was held by Jessica Louise Jonassen of Australia. She also became the first Indian woman to hit a six on her Test debut.
ii.She was the youngest cricketer to represent India in T20 International.
iii.She had also equalled the record for most sixes by a woman in Test innings.
iv.She scored two sixes in Bristol, equalling Alyssa Healy and Lauren Winfield-Hill’s joint record.
v.She broke the Indian record for the highest score on women’s Test debut and overtook Chanderkanta Kaul’s tally of 75 against New Zealand in 1995.
Israel successfully tested Laser Weapon that can shoot down Drones mid-air
The military of Israel successfully tested an airborne high-power laser weapon that can shoot down drones. It was developed by Elbit Systems. The test was conducted over the Mediterranean Sea by mounting the weapon on a civilian plane and resulted in successful shot down of several drones within a range of about 1 kilometer (0.6 mile).
Technology used in Laser Weapon: The weapon used a technology similar to C-Music, developed by Elbit Systems. C-Music is a defence system fitted to aircraft which uses a laser to blind the incoming missiles. This weapon uses the tracking feature of C-Music but will destroy targets by heating them up.
Currency– Israeli Shekel
Prime Minister– Naftali Bennett
HDFC Bank to buy stake in ‘ERGO General Insurance ‘ & ‘Borderless Softtech’
i.HDFC bank is all set for the purchase of 3,55,67,724 equity shares of Rs 10 each in group firm HDFC ERGO General Insurance Company from the parent company Housing Development Finance Corporation (HDFC). These shares are worth Rs 1,906.43 crore means their aggregate consideration is Rs 536 per share.
ii.Apart from above, HDFC Bank along with its subsidiary HDFC Securities will purchase 8,108 compulsory convertible cumulative preference shares (CCCPS) worth Rs 6.9 crore of face value of Rs 10 each of Borderless Softtech at a premium of Rs 606.60 for consideration of Rs 616.60 per piece.
About HDFC Bank:
Managing Director & Chief Executive Officer– Sashidhar Jagdishan
Tagline– We understand your world


In the mood for a creepy story? We have one for you, derived from a popular TV show.
The two political parties are too busy with partisan warfare to address rising deficits. The Congressional Budget Office predicts that annual deficits will surpass $1 trillion by 2022. But some recent analyses say it will happen sooner.
High and rising national debt will slow economic growth and wages, meaning the income of American workers will suffer. Families will also see home, auto, credit card, and educational loans become more expensive, affecting quality of life. And investments that can build a brighter future will be curtailed.
Will leaders arise to fix the debt, or will we just keep mindlessly making things worse?
Congress is considering tax cuts that would add to the already unsustainable debt situation, which would make matters worse. While real tax reform is needed, it must be done in a way that improves the tax code and does not add to the debt.
It’s a scary story, but it can have a happy ending if our leaders work together and fix the debt.
National Debt and You
All About the Debt


SA property stocks have R3,7bn debt to settle this year
CAN SOUTH AFRICAN-LISTED property funds still borrow from banks? Or is there the risk that local financial institutions will start calling in commercial property loans, as have some of their counterparts in Britain, the United States and Australia?
A recent Bloomberg report highlighted the danger of British-listed real estate trusts, such as Liberty International (duallisted on the JSE), facing a major capital crunch as Britain’s banks continue to clamp down on lending. The massive drop in commercial property values in Britain over the past 18 months has affected loan-to-value (LTV) ratios, forcing property companies to repay some of their debt to avoid breaching loan agreements with banks.
An analyst at JPMorgan Chase estimates Britain’s six largest property investment trusts (which include Liberty International) needed additional funds of at least £625m (R9bn) by end-March to restore their balance sheets.
Many Australian and USlisted property companies are currently in the same boat, raising questions about the debt exposure of SA’s listed property sector.
Kundayi Munzara, head of Investec Property’s research team, says although there’s limited refinancing risk for SA property stocks the sector won’t escape the global credit crisis entirely unscathed.
Investec Property’s research shows a total of R3,7bn in loans must be settled or refinanced by SA property companies this year. That amounts to around 12% of the sector’s total long-term debt burden of around R30,9bn. (See table.) The bulk of the loans have been issued by Standard Bank, Nedbank and Absa, which effectively control the debt market in the SA listed property sector.
Munzara notes that Hyprop, Ambit, Acucap, Growthpoint and Pangbourne might have the highest levels of refinancing risk, with a relatively high amount of debt to repay or renegotiate this year.
Property companies are currently not in a position to negotiate such favourable terms on new loans, as was the case a year ago. Consequently, Munzara expects overall interest rate expenses for the companies concerned to rise by an average 0,99% in absolute terms. He estimates that will negatively affect distribution growth by around 0,67% this year, bringing growth in income payouts for the SA listed property sector to an average 9,6% this year.
Munzara adds there’s also risk in the fact new loans are likely to be shorter dated with more onerous covenants, such as lower LTVs and higher interest cover ratios. “That ultimately limits expansion plans through debt financing and increases the threshold for acquisition and development deals.”
Says Munzara: “While the local capital markets have not dried up, banks have adopted a more cautious approach to lending. New loan approvals at some major banks now go through the traditional credit process as well as the treasury departments in order to closely assess liquidity positions.’’ Munzara notes one saving grace for SA’s listed property sector: its relatively low levels of gearing or LTV ratios. Gearing for the sector currently sits at an average 25,2%. That compares to LTV ratios of more than 50% for many listed property companies in Britain, the US and Australia.
Frank Berkeley, head of Nedbank Corporate Property Finance, says it’s “very unlikely” SA banks will start calling in loans on commercial property portfolios like some of their international peers. “SA banks don’t have the same liquidity problems. We’re still comfortable with lending to property companies, as we have yet to see a noticeable rise in arrears or a fall in property values.” However, Berkeley confirms the cost of debt will rise. “Loans are still being rolled over or refinanced – but they’re also being re-priced.’’
12 FEBRUARY 2009
SA property gearing at relatively low 25%.


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