Welcome to our guide to betting using bank transfer. We’ll discuss why you should use bank transfer as your payment method of choice and who the best betting sites with bank transfer in Australia are.
This guide will leave no stone unturned in our search for the positives and negatives of the payment method, from speed to security. Want to know more? Read on reader, read on...
We’ll start with the basics here. Most people will have a bank account, but if not you can apply for one online or in your local branch. To open a bank account you’ll need personal identification such as photo ID (a passport or driver’s license) and something to prove your address. Once your identity is verified, the account will be set up. You can use your bank account to make bank transfers.
When betting online, the best betting sites with bank transfer in Australia will ask you to verify your identity with the betting provider to ensure they adhere to Australian law. This can usually be done by providing your card details and photographic ID.
To deposit using bank transfer you need to find the bookmaker’s bank account details. These will be on your account page. Then go to your online account and use the bookie’s sort code and bank account number to send funds.
Funds sent via bank transfer can take between 3-5 business days to arrive at your chosen account. This will vary depending on your bank and the receiving bank’s processing times. The best thing you can do is to keep your eye on your online betting account to see when the funds arrive. If after 5 business days they’re still not in the account, take a look at your bank account to see if there is an issue. If this doesn’t help, contact the bookmaker’s customer service team for assistance. Most bookmaker’s customer service teams are available 24/7 with live chat, email and phone options available.
Some banks provide you with a tracking receipt when you send your betting funds. This should give you a rough idea of how long it will take for funds to arrive in your chosen account.
To have a bank account in Australia you need to be over the age of 16. Gambling in Australia is illegal if you are under the age of 18.
You must also be a permanent resident of Australia to apply for a bank account. You can prove this through your passport or proof of citizenship.
A passport, driver’s license or Medicare card is needed to verify your ID to set up your bank account. To verify your ID to transfer funds you may be required to sign in to your online account using your banking login. Some banks will also need you to verify your bank transfer by adding your card to a chip and pin reader to validate the transaction.
The humble bank transfer started life over 150 years ago in the US when telegrams were first used by Western Union to transfer funds from one person to another. One person would stand at one telegram station and another at the receiving telegram station. The person at the first telegram station would send the telegram instructing the second telegram station to pay the person at the receiving end a sum of money. A fee would be charged for this transaction to take place, much like modern Western Union transfers today.
From that beginning came the revolutionised concept of bank transfers. Modern computers cut out much of the risk involved in the Western Union method by simply moving money from one place to another while cutting out the middleman. This also made the method cheaper, meaning most banks now allow bank transfers without charging a fee.
The bank transfer was once a slow process. But as technology improved a transfer which once could take a couple of weeks can be done on the same day, often within minutes. Mobile phone apps have helped greatly with this, and when combined with a card reader can transform your phone into a mobile banking unit.
The greatest benefit of using modern day bank transfer is the safety and security of the process. Banks, like any other financially regulated business are held in high esteem because of their tight security measures and their robust computer systems which ensure that funds leave from the right account and arrive where they should in an expeditious and secure way. These online transactions are recorded and monitored from start to finish, ensuring that there is a paper trail attached to any bank transfer you or anyone else makes. This means that if necessary, your bank can trace back the route your funds took to arrive at their destination. If funds get lost, they can be tracked and found, making bank transfer one of the most reliable and trustworthy payment methods available to the modern gambler.
When you first start wagering it’s natural to be confused by the sheer number of payment methods available. It’s possible that there are some you’ve never heard of and some that you’re wary of. With bank transfers, there’s no need to worry. The payment method has been in existence for over 150 years and is traceable. This gives many bettors a sense of security when it's used instead of eWallet payments. One of the downsides of bank transfer is it relies on two banks processing the transaction speedily. This can slow down the process, which can take between 3-5 days to do. Still, if you’re not in a rush to top up your betting account then it is by far the safest payment method we’ve come across.
To stay in line with industry guidelines, bookmakers are required, where possible, to return your funds to you in the same way that they were added to the betting account. In other words, if you deposit using a bank transfer then any winnings you enjoy will also be returned using the same bank account via bank transfer. There are some exceptions, such as, for example, if your bank account or card used to make a deposit is no longer in use. A bookmaker can then use their discretion to accept an alternative payment method.
This can happen for many reasons. Each bookmaker has their own terms and conditions, so it’s important to read them before you register with their betting site to make sure that you adhere to their rules at all times. Bookmakers frown upon specific practices, for example, using matched or arbitrage betting because they abuse the good will of the bonus terms and conditions. To clarify why you’re unable to wager with a bookmaker, please get in touch with them via their customer service team who will be able to help. If you need to find another bookmaker, have a look at our list of best betting sites with bank transfer in Australia to get started.
Bookmakers use all sorts of payment methods on their websites. Some stick to the tried and true options of credit and debit card and bank transfer, whereas others are a little bit more exotic in their offerings. It’s common to find eWallets such as PayPal, Neteller and Skrill used for online betting, Some also accept cryptocurrency payments such as Bitcoin and Dogecoin. Other bookies even allow you to place money at your local bookie’s shop. Check out an individual bookmaker’s FAQ for their payment methods.
It may seem strange for us to recommend a payment method that stops you from immediately betting on a bookmaker’s website. But we’re so bowled over with bank transfers that we have to shout it from the rooftops! Bank transfers may not be the quickest payment method - they take on average 3-5 working days for funds to arrive in your betting account, but as technology improves, they can arrive in less than a day. It all depends on your bank and the receiving bank talking to each other.
The real bonus of bank transfers is their safety. In a time when no data feels sacred, bank transfers still rely heavily on the traditional methods of banking to keep your funds - and your personal details - safe. Firstly, to place a bank transfer you need to own a bank account. To receive a bank transfer you also need to own a bank account. These are set up only when you’ve proven that you are legally resident in Australia and you have reputable identification documents that can prove you are who you say you are. In other words, both you and the bank can trust the person you’re sending cash to.
Online bookmakers with bank transfers use a payment method that is protected by the protocols associated with Australian banking. Transactions are monitored from point A to point B with the greatest of care to ensure that the funds end up where they’re supposed to be when they’re supposed to be there.
A close second to bank transfer in our opinion is card payment. These are usually completed using a credit or a debit card, but do bear in mind that you may pay interest on credit card transactions. It’s better to wager using a debit card if you can.
Like paying your sports betting sites with bank transfer, card payments are protected using the same regulations all banking transactions are. Your funds are protected from point A to B, but the real bonus of using card payment is that the payments arrive instantly. If you’ve got a sports bet that you’ve just got to place today, this is a great alternative to bank transfers thanks to the safety and long-standing reputation of the payment method. To find the best Best Betting Sites with Credit Card in Australia check out our card payment guide.
There are plenty of other instant payment methods you can use, though how well they serve you when compared to bank transfer you’ll have to judge for yourself. The most common payment methods found on the best betting sites with bank transfer in Australia include the eWallets Skrill and Neteller. We’ve created guides for websites that use these speedy and streamlined payment methods at Wetten. You’ll find the Best Betting Sites with Neteller and a guide to a group of Online Bookmakers with Skrill written by our highly skilled betting writers online.
So we’ve reached the end of our bank transfer review and we’ve discussed why bookmakers with bank transfer facilities use them and the benefits of bettors doing so as well. The main takeaway from this article should be the safety aspect of betting using bank transfers. These payments are managed by financial institutions, ensuring that if funds go missing, it should be easily located and the funds are protected using world-leading technological developments giving you and your bookmaker peace of mind.
When betting, you want to be sure that your funds are safe. We believe that bank transfers are one of the safest methods of deposit. Don’t believe us? Read our bank transfer guide to find out more.
We’re sorry to hear you’ve had a problem placing a bank transfer deposit with a bookmaker. Your first point of call should be your bookmaker. They should be able to tell if there is a hold up. If you continue to have problems in the future, then a new online bookmaker with bank transfer facilities could be on the cards. You’ll find info on some of the best above./faq-item]
Choosing a payment method that’s right for you is a personal choice. For some, bank transfer is better because of its storied history, for others, they prefer the speed of PayPal. To help you decide, we recommend you read the bank transfer guide and our online bookmaker with PayPal article to see which best suits your needs.
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For four long years, Afghanistan has been waiting for an air force. Now, they're finally going to get one -- courtesy of the U.S. Air Force.
There's "close-air support" -- and then there's "Warthog-close" -- where the planes fly below the troops. Photo source:Flickr.
Given their druthers, the Afghans would probably like an air force geared toward close-air support of their troops combating Taliban fighters on the ground. For that role, the A-10 Warthog is by all accounts the best plane for the job. But beggars can't be choosers. Instead of the A-10, the U.S. Air Force will outfit Afghanistan with 20 brand-new A-29 Super Tucano fighter planes from Embraer .
As reported on DoDBuzz.com last month, Embraer and partner Sierra Nevada will begin delivering Super Tucanos to Afghanistan sometime in December. Deliveries are expected to be slow at first, then ramp up, with all 20 Super Tucanos due to be delivered by 2018.
An A-29 Super Tucano in action. Photo source: Embraer and Sierra Nevada Corporation.
Wait -- "Tucano"? Like the Froot Loops bird?A lot like Toucan Sam, yes -- except that Embraer's bird has serious claws. An evolution of Embraer's original Tucano design, the Super Tucano is a prop-driven ground-attack fighter powered by a single 1,600 SHP Pratt & Whitney PT6A-68/3 turboprop engine, and featuring:
- An armored cockpit to protect against small-arms and anti-aircraft fire.
- Two internal, wing-mounted .50" machine guns for strafing, with magazines of 200 rounds each.
- 10 additional hardpoints along the wings for attaching up to 1,800 pounds of bombs and rockets -- or additional machine guns or 20mm cannon pods.
- A top speed of 370 mph, a 340-mile combat radius (fully loaded), and a ceiling altitude of 35,000 feet. (Oh, and Embraer says the plane can also conduct limited air-to-air operations, carrying AIM-9 Sidewinder missiles.)
Perhaps best of all, the Super Tucano costs an estimated $500 an hour to operate -- a big selling point for a cash-strapped customer such as Afghanistan, In fact, that's about one-sixth the operating cost of Textron's ultra-cheap Scorpion light fighter jet.
What it means to investorsThe U.S. Air Force awarded Embraer the contract to build 20 Super Tucanos for $427 million -- $355 million for the planes themselves, plus $72 million in additional costsincurred as the Air Force dealt with multiple challenges to the contract award. Back out those extra costs, and it looks like the Air Force is paying about $17.8 million per plane -- just under the likely cost to build a new A-10 Warthog today.
What's more, Afghanistan mightbuy more planes (or the Pentagon might do so for them). When first announced, in fact, the Super Tucano contract was said to be worth potentially $950 million to Embraer. That suggests long-range plans to buy as many as 52 Super Tucanos.
Is this how things will play out? With U.S. troops still in Afghanistan, the Air Force cooling its enthusiasm for the A-10 Warthog, and Lockheed's F-35 in hot water over its gun's inability to shoot,it's entirely possible we might buy more A-29 Super Tucanos for Afghanistan. In which case, the value of Embraer's initial sales contract could double or more.
At a hypothetical value of $1 billion, this single contract could be worth nearly 18% of Embraer's overall annual revenue -- and nearly as much as the company's entire defense business sells in a year. Fifty-two new planes would also grow the global fleet of Super Tucanos in service by 30%, producing more maintenance and services revenue, potentially even bigger economies of scale in production, and bigger profits for Embraer.
Speaking of which, profit-wise, Embraer already earns a 10% operating profit margin on its defense business, according to S&P Capital IQ. That makes defense Embraer's single most profitable business division.
As these birds start alighting in Afghanistan, Embraer's profits could get even bigger.
Will Super Tucano supersize profits for Embraer? It might. Photo source: Embraer and Sierra Nevada Corp.
The article No A-10 Warthog for Afghanistan -- but Here's the Next Best Thing originally appeared on Fool.com.
Rich Smithdoes not own shares of, nor is he short, any company named above. You can find him on CAPS, publicly pontificating under the handleTMFDitty, where he's currently ranked No. 288 out of more than 75,000 rated members.The Motley Fool recommends Embraer-Empresa Brasileira. The Motley Fool owns shares of Textron. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.
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Aontú Representative for East Derry, Gemma Brolly hits out at increasing cuts and proposals from Tories punishing lower income households to fund the NHS.
Ms Brolly commented “It is no secret the NHS is crying out for investment. Never more than now have the people of this nation been more grateful for the efforts of our NHS workers, given they continue to be underpaid and undervalued by our governments. To propose securing the future of our health service by increasing employee contributions is not only preposterous but outright insulting to the determined and hardworking people of this nation, and at a time when they are being hit with price increases at every turn.”
“What use are high street vouchers and the likes when households are facing increases in gas of up to 35%, electricity up to 21% and that does not include previous increases within the last 9 months. Here in the North, Universal Credits have also been cut; £20 is a substantial amount of money to lose to many people. It is also a drop in the ocean to quite a few, however they continue to receive generous treatment in our tax system” states Brolly.
“Surely we should be rewarding people contributing to our society with fair treatment and wages, not punishing them and discouraging them out of employment. These cuts and increases in cost of living are forcing people to prioritise their basic and essential needs, to choose between paying the rent/mortgage, heating their home or feeding their family. This was NOT what people signed up for when they made their choices at the ballot boxes. Enough is enough, perhaps the governments should take their feet off the necks of the lower income households and look towards the higher income section to fund our public services” Ms Brolly concludes.


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TripleDouble Rewards Program
Rewards Points only accumulate on Qualifying Purchases. You will earn 1 point for each $1 spent on all net Qualifying Purchases for all purchase categories. A “Qualifying Purchase” is a purchase of goods or services made with your eligible BBVA Compass American Express Card; however, not all purchases are Qualifying Purchases. EXCLUSIONS APPLY. Unless provided in additional terms for special promotions, the following are NOT Qualifying Purchases, and you will not earn points for them: payments of existing card balances, balance transfers, cash advances, ATM transactions, convenience checks, fees charged by us (for example, annual fees, finance charges, and related service charges, if any apply), payments made for prepaid and reloadable cards such as certain gift cards, and similar cards, and payments made for payment instruments that can readily be converted to cash (for example, travelers cheques, money orders, wire transfers, and similar products or services). It may take up to 45 days for points to be awarded. Account must be in good standing to earn and redeem points. BBVA Compass reserves the right to, in its sole discretion, determine whether a particular transaction is a Qualifying Purchase and which purchase category applies.
Merchants are assigned purchase category codes by American Express based on what they primarily sell. A purchase will not earn additional bonus points if the merchant’s code is not in an eligible category. You will earn 2 points for each $1 spent for the first $1,500 of combined net Qualifying Purchases made during each calendar quarter at U.S. merchants in the gas station and supermarket purchase categories, and 1 point for each $1 spent on net Qualifying Purchases over $1,500 in each quarter in those categories. Gas stations are defined as stand-alone merchants in the United States that primarily sell gasoline. Supermarkets are defined as stand-alone merchants in the United States that primarily sell grocery products. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by American Express in another manner, in which case this added benefit would not apply. You will earn 3 points for each $1 spent for the first $1,500 of combined net Qualifying Purchases made during each calendar quarter in the NBA purchase category, and 1 point for each $1 spent on net Qualifying Purchases over $1,500 in each quarter in the category. A NBA purchase is a purchase made entirely with the Card of NBA game tickets from a licensed NBA ticket distributor; at any NBA team stadium during a NBA game; or on NBA.com. You will earn 5 points for each $1 spent for the first $5,000 of combined net Qualifying Purchases made during the NBA All Star Weekend, and 1 point for each $1 spent on net Qualifying Purchases over $5,000 during the NBA All Star Weekend. In addition, you will earn 5 points for each $1 spent for the first $5,000 of combined net Qualifying Purchases made during the two weeks of the NBA Finals, and 1 point for each $1 spent on net Qualifying Purchases over $5,000 during the two weeks of the NBA Finals. NBA All Star Weekend and NBA Finals dates may vary, and the eligible time period for bonus points accrual will be determined in the sole discretion of BBVA Compass. Purchases made at superstores and wholesale clubs, through a third-party payment account or on an online marketplace (with multiple retailers) will not earn additional bonus points. A purchase may not earn additional bonus points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet to make the purchase. Rewards categories are established by BBVA Compass and may change without notice. Offer cannot be combined with any other TripleDouble bonus point offer or BBVA Compass rewards program.
It can take up to 45 days for transactions to appear. If points from a qualified transaction do not appear after 45 days, please contact Customer Service. Some transactions, such as online purchases, bonus points, or foreign transactions, may take longer to be posted.
Your BBVA Compass American Express® Card can be used at millions of establishments worldwide where American Express Cards are welcome including national supermarket and gas station chains, retailers and restaurants.


When there is a high demand for skilled workers, such as during the current major labour shortage, skilled job applicants can happily flex their salary negotiation muscles. However, while it is an accepted practice for people to negotiate their salaries upon hiring, statistics show that very few people do it in Canada.
In 2020, Robert Half Canada conducted a salary negotiation survey of 500 workers and more than 600 senior managers in Canadian office environments. According to that study, “… just over one-third of professionals surveyed (36%) tried to negotiate a higher salary with their last employment offer.” That is quite a low statistic, especially when compared to our American neighbours, where more than half of professionals tried to negotiate their salary with their last job offer.
Of those who didn’t negotiate their salary in Canada, 41% wanted more money. However, 19% said they were uncomfortable negotiating, 12% felt they might lose the offer if they asked and one in 10 did not know the going rate for the position.
It’s unfortunate that some people did not feel comfortable proceeding with salary negotiations during the interview process. In the Robert Half study, 99% of the CFOs surveyed said their companies are open to some back-and-forth with candidates on job offers and 62% of them indicated they are willing to talk about compensation.
“Of those who didn’t negotiate their salary in Canada, 41% wanted more money.”
The survey also found that men were more likely to negotiate their salaries than women. This is unfortunate, considering Canadian data shows that there is still a substantial gender pay gap; according to the Canadian Women’s Foundation, women make 89 cents for every dollar men make for the same job.
It’s clear that negotiating a salary is not perceived as a faux pas by employers and there are benefits for both men and women to try it out. This is definitely the year to do it, especially considering the skilled labour shortage.
Here are some guidelines on how to prepare for salary negotiations:
1. Know how much you are worth and what you want: Research what the industry standard is for the job you are applying for. Use provincial salary statistics, speak to your colleagues and research online using websites such as Glassdoor. Consider the number of years of experience you have in the position and your unique skillsets as well. Armed with this knowledge, decide on your salary expectations, which will include deciding what your ‘reasonable’ dream salary range will be, what realistic living wage you want and the lowest salary offer you would accept. Don’t forget to compile a list of benefits that are essential to you, such as medical and dental insurance, commissions and equipment/work supports (e.g. a company laptop or company-paid cell phone, professional development budgets, personal days, etc.).
2. Determine your negotiation strategy and approach: List your strongest skillsets, experience and/or expertise related to the job. When it’s salary discussion time, use them as your way to justify and later segue the conversation into asking for more money. Those who have never negotiated a salary may find it beneficial to create a script or write out key talking points before the interview.
3. Consider what could make you decide to abandon your plan to negotiate: During the interview, consider the information you are provided about the job and if it matches what you bring to the table. Will you still go through with the negotiation plan if you discover you will have a steep learning curve for the position? Some candidates decide not to go through with their plan for salary negotiation when they discover the job is different or more difficult than they initially surmised from the job posting.
I hope this will encourage you to plan on negotiating your salary from now on!


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Strength within the skincare class and rising e-commerce gross sales have saved Ulta Beauty, Inc. ULTA on a powerful footing. Markedly, such upsides fueled first-quarter fiscal 2021 outcomes, whereby the highest and backside traces grew 12 months over 12 months and crushed the Zacks Consensus Estimate. Robust gross sales and cost-containment efforts drove the underside line within the first quarter, whereas gross sales gained on authorities stimulus, higher client confidence and rest of pandemic-related curbs. Also, the will for newness has been an upside. Certainly, this magnificence merchandise retailer’s focus on its six key methods has been yielding outcomes.Encouragingly, administration raised its fiscal view. Well, the Zacks Consensus Estimate for fiscal 2021 has elevated 25.2% to $12.02 per share over the previous 30 days. Also, the Zacks Rank #1 (Strong Buy) inventory has rallied 24.9% prior to now six months, simply crushing the business’s development of 9.1%. Notably, this Bolingbrook, IL-based firm additionally comfortably outpaced the S&P 500’s rise of 16.9%. Meanwhile, the Zacks Retail-Wholesale sector declined 2.5% in the identical timeframe. Let’s take a more in-depth look.
Ulta Beauty Inc. Price, Consensus and EPS Surprise
Ulta Beauty Inc. price-consensus-eps-surprise-chart | Ulta Beauty Inc. Quote
Impressive Q1 Results & Outlook
Net gross sales surged 65.2% 12 months over 12 months to $1,938.5 million and simply beat the Zacks Consensus Estimate of $1,673 million within the first quarter. The rise in gross sales might be attributable to optimistic impacts within the United States from authorities stimulus funds, higher client confidence and rest of pandemic-related curbs. Also, the will for newness is driving client spending within the magnificence area. Comparable gross sales or comps soared 65.9%. This stable development was broad-based, with better-than-expected efficiency throughout classes, areas and channels, particularly shops (with shoppers changing into extraordinarily comfy with in-store purchasing).Ulta Beauty stays effectively positioned for restoration within the magnificence area, because of its differentiated mannequin and endeavors to construct necessary visitor connections. Impressively, the corporate raised its gross sales, comps, working margin and earnings steering for fiscal 2021. Management now expects web gross sales of $7.7-$7.8 billion, up from $7.2-$7.3 billion anticipated earlier than. Comps development is now anticipated within the vary of 23-25% in contrast with the prior band of 15-17%. Further, administration expects working margin to be round 11% now, up from 9% projected earlier than. Growth in working margin is prone to be pushed by an growth in gross margin. Earnings are actually envisioned within the vary of $11.5-$11.95 per share, as compared with $8.85-$9.30 forecasted earlier.
Image Source: Zacks Investment Research
Skincare Category a Major Driver
Ulta Beauty has been seeing market share beneficial properties in main magnificence classes for some time now, with skincare standing out. The pattern continued within the first quarter of fiscal 2021, whereby skincare noticed sturdy gross sales development. As a proportion of gross sales, skincare expanded 200 foundation factors to 19% within the first quarter. Consumers have been displaying rising curiosity in new manufacturers like Keys Soulcare, LOLI Beauty, and Urban Skin Pro, in addition to new merchandise underneath Tula, Pacifica, and Central Bay. Apart from these, the corporate additionally noticed power within the perfume and hair care classes, with the latter gaining on the DIY developments, hair colour, colour care and hair styling instruments. Consumers’ elevated focus on skincare and hair amid greater at-home grooming is prone to hold aiding these classes.
Omnichannel Development Aids
Ulta Beauty is thought for its technique of putting the suitable steadiness between on-line and bodily shops. E-commerce delivered a stable efficiency within the first quarter, rising within the mid-teens vary on the again of sturdy visitors and elevated common order. Markedly, purchase on-line, choose up in-store or BOPIS penetration elevated to roughly 16% of whole e-commerce gross sales within the first quarter, up from 4% in the identical interval final 12 months. Apart from these, the corporate’s shops and ship-to-home channels drove e-commerce gross sales. Additionally, the corporate’s initiatives to spice up on-line promotions and buyer engagement have been supporting on-line gross sales development. With shoppers rising enthusiasm towards on-line gross sales, administration stays on observe with increasing capability at success facilities, growth of ship from retailer capabilities in addition to curbside pickups. The firm can be benefiting from its cell app and digital try-on capabilities.
Focus on 6 Key Priorities
The firm has been targeted on its six strategic priorities. The firm’s foremost precedence is to strengthen its omnichannel enterprise and discover the potential of each bodily and digital sides. The pandemic has, in truth, sped up this course of for the corporate, given shoppers’ elevated on-line engagement. Next, the corporate is enterprise numerous instruments to boost expertise of friends, like providing a digital try-on instrument and in-store schooling, and reimagining fixtures, amongst others. Thirdly, the corporate concentrates on providing prospects a curated and unique vary of magnificence merchandise by innovation. Fourthly, the corporate is concentrated on deepening buyer engagement by boosting rewards and loyalty applications. Fifthly, administration is dedicated to optimizing its price construction. Apart from these, the corporate strives to spice up organizational expertise and strengthen its tradition.All stated, we count on Ulta Beauty to maintain its splendid present going, particularly with the relief of pandemic-led curbs and the corporate’s incessant efforts to drive development.
3 Other Solid Retail Stocks
Hibbett Sports HIBB has a long-term earnings development fee of 8.5% and presently, a Zacks Rank #1. You can see the whole record of in the present day’s Zacks #1 Rank shares right here.DICK’S Sporting DKS boasts a long-term earnings development fee of seven.1% and presently, a Zacks Rank #1.Sally Beauty SBH, additionally a Zacks Rank #1 inventory, has a trailing four-quarter common earnings shock of 37.8%.
+1,500% Growth: One of 2021’s Most Exciting Investment Opportunities
In addition to the shares you examine above, would you prefer to see Zacks’ high picks to capitalize on the Internet of Things (IoT)? It is without doubt one of the fastest-growing applied sciences in historical past, with an estimated 77 billion units to be related by 2025. That works out to 127 new units per second.Zacks has launched a particular report that will help you capitalize on the Internet of Things’s exponential development. It reveals 4 under-the-radar shares that may very well be a number of the most worthwhile holdings in your portfolio in 2021 and past.Click right here to obtain this report FREE >>
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DICKS Sporting Goods, Inc. (DKS): Free Stock Analysis Report
Ulta Beauty Inc. (ULTA): Free Stock Analysis Report
Hibbett Sports, Inc. (HIBB): Free Stock Analysis Report
Sally Beauty Holdings, Inc. (SBH): Free Stock Analysis Report
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The views and opinions expressed herein are the views and opinions of the writer and don’t essentially replicate these of Nasdaq, Inc.


November 21st, 2019Follow on Twitter
November 20th, 2019Follow on Twitter
As the Republican Majority in Congress continues moving their proposal forward to rewrite the tax code, I want to give you an update on where this effort stands today and the impacts it will have on the middle class, higher education, and small businesses.
The U.S. Constitution requires the House and the Senate to approve the same bill before it can be presented to the president for his or her signature or veto. Since the House and the Senate bills differ, a conference committee comprised of House Members and Senators will meet to resolve the legislative differences between each chamber’s version of the bill, hammer out one final version to be voted on by each chamber, and then be sent to the President for his signature.
I voted against the Motion to Go to Conference on H.R. 1 because both the House and the Senate versions of the bill are, in my view, an assault on the middle class and will do damage to our country. The House version of H.R. 1 is a dishonest ‘bait and switch’ for the 36 million middle class families who will see their taxes increase under this plan. The bill is ‘paid for’ by reducing or eliminating the few remaining benefits in the tax code for the middle-class, including the deductions for medical expenses, student loan interest, mortgage interest, and state and local taxes. It also adds $1.7 trillion to the national debt, leaving it to our children and grandchildren to pay for. The tax code should expand our economy, not our debt.
Meanwhile, the Senate version of H.R.1 passed in the dead of night at 2:00 a.m. on December 2nd. It raises taxes on 82 million middle-class households and adds nearly $1.5 trillion to the deficit over the next 10 years to finance permanent tax cuts for large multinational corporations. It eliminates the Affordable Care Act’s individual mandate which will cause 13 million Americans to lose health insurance and it raises health insurance premiums for millions of other Americans. Like the House version, it significantly weakens the state and local tax (SALT) deduction, which nearly 200,000 of my constituents claimed an average of $31,193 in 2015.
Not a single Democratic amendment to either version of H.R. 1 was adopted by the House or the Senate and there have been no public hearings held on the bill in either chamber. According to the government watchdog group, Public Citizen, over 6,000 registered lobbyists reported working on tax issues in 2017, or 57 percent of all active federal lobbyists this year.
Below is a side-by-side comparison of major provisions in the House and Senate versions of H.R. 1. I encourage you to review these provisions to determine how each bill will impact your family’s bottom line, even though the final bill has not been taken up yet. When it is, I will post the final version for you to review.
In this section, you will find information on the many ways my office can help you and your family. Below is a list of the issues we commonly address. If you cannot find what you're looking for, please either email me or call my Palo Alto District Office and we will do our best to answer any questions you may have.
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Calculating the total life-cycle cost of a tire is the only true measure that will enable you to lower operating costs. "One [common mistake] is buying what is cheapest vs. what will give you the lowest economic cost," says Wright. "It is short-term vs. long-term thinking."
A lower-priced bias-ply tire may not offer the same life as a more expensive radial. "It's not uncommon that a radial will outlast a bias-ply tire two times or up to six or seven times, depending upon the application," claims Bennett.
"Another mistake is buying only when you have a problem," says Wright. This results in the purchase of what is available rather than what is most suited for the application.
The best way to determine the most appropriate tire for an application is to keep tire records. "The only way to improve is to know where your base is, then work on doing better next time," says Wright.
"If you start comparing tire bills and really get into the science of this, you will see that it is just as important to choose the right tire as it is to choose the right piece of equipment to go into an application," says Besancon.
It is not just a case of radial vs. bias-ply. Michelin alone makes nine different radial tires that go on the Caterpillar 950 loader, depending upon the application. You need to understand the differences in order to get the greatest return on your investment and not get lulled into the "tire is a tire" mentality.
"Besides the obvious tire-related savings that come with selecting the right tire for the application, there are potential productivity and machine mechanical issues that can cost much more than was saved by buying the cheapest tire," says Mills.


Chama Technologaes has signed a special private placement agreement for USD $50,000,000 of equity line funding with Lambert Private Equity. Chama will use the funds to extract methane from Coal Basin Methane wells both pre-drilled and development properties. Chama also drills and develops onshore and offshore oil properties.
CHAMA TECHNOLOGAES INC. (CHAMA) announced today that it has signed a Special Private Placement Agreement (SPPA) for USD $50,000,000 of equity line funding with Lambert Private Equity LLC (LAMBERT). The terms give CHAMA the right to increase the amount of the equity line funding up to $200,000,000, at CHAMA’s discretion.
CHAMA’s plan in the use of these funds is for the utilization of our device, “The Down Hole Gazmo,” in extracting methane from Coal Basin Methane wells both pre-drilled and development properties. CHAMA also drills and develops oil properties — both onshore and offshore.
The funding structure is a 3 year facility. Lambert funds public companies with market capitalizations under $1 billion, as well as private companies that will be listed on a securities exchange within one year of a funding commitment. The fund will invest in all sectors including infrastructure, manufacturing, construction, mining, communications, healthcare, energy and finance.
CHAMA’s President and CEO, Anthony Saviano:
“This funding agreement with LAMBERT will be instrumental in the expansion of our projects. CHAMA is excited to partner with Lambert Private Equity as we move forward with our acquisition and development of natural gas and oil projects. This funding enables us to follow a clear path in our plan in the reworking of gas wells in the Powder River Basin and development of oil and gas wells elsewhere.”
CHAMA TECHNOLOGAES INC. (CHAMA)
CHAMA is a Natural Gas and Oil exploration and development company with a device that utilizes the water in CBM wells for the extraction of Natural Gas. We have wells and property commitments in Wyoming in the area called the Powder River Basin. We also are negotiating offshore interests in the South China Sea as well as oil interests in Central America. For further information about CHAMA, please go to www.chamatech.com and www.chamaenergy.com.
About Lambert Private Equity LLC
Lambert Private Equity LLC invests though its unique equity and equity-linked structures in publicly traded companies around the globe.
Lambert Private Equity LLC generally looks to invest amounts from $10 million up to $500 million directly into listed companies for a variety of activities including working capital, accretive EBITDA acquisitions and other growth opportunities.
We focus on equity investments in public companies as well as private companies that will be listed on a securities exchange within six months of a funding commitment.
Lambert Private Equity LLC has no outside investors and is considered a private group run by its principals, similar to a merchant bank that invests its own capital and as such it is seeking capital appreciation through the identification and funding of growth companies.
Lambert Private Equity LLC is not an underwriter and the funding it provides is based on specific terms and conditions, including the price and volume of the company’s shares once the company is publicly listed. Lambert Private Equity LLC does not provide volume, liquidity, investor relations or public relations services. www.lambertfunds.com
Forward Looking Statements
The information in this press release contains “forward-looking statements” and are inherently susceptible to uncertainty and changes in circumstances. These statements can be identified by the fact that they do not relate strictly to historical or current facts. Forward-looking statements often include words such as “anticipates,” “estimates,” “expects,” “intends,” “objective”, “believes” and words and terms of similar substance in connection with discussions of future operating or financial performance. The Company’s forward-looking statements are based on management’s current expectations and assumptions regarding the Company’s business and performance, the economy and other future conditions and forecasts of future events, circumstances and results. The Company’s actual results may vary materially from those expressed or implied in its forward-looking statements. Important factors that could cause the Company’s actual results to differ materially from those in its forward-looking statements include government regulation, economic, strategic, political and social conditions and other associated factors.


I recently wrote a blog post about the American Express Platinum Card, Best Rewards Card for VIP Swag At The Airport, being my personal favorite card for elite flyer style perks because it does not restrict me to any single miles program.
This is because, as many of you faithful Travel Abstract readers already know, I prefer to take the “loyalty” out of customer loyalty programs by optimizing programs based on my travel style and not the other way around.
So pinning myself down to any particular airline is just not gonna happen.
Plus the fact I am based out of NYC, where most major airlines have a hub airport, also helps.
But if you are a die hard flyer of only one airline than you would want to stick with the airline credit cards of that specific airline so you can get the biggest improvement in your travel lifestyle. The Delta SkyMiles is a good example of this value proposition because they have three different versions of their card to specifically target leisure, business or luxury travelers based on the signup bonus offers and card benefits.
Delta SkyMiles Credit Card Comparison
One such example of this is with the Delta airline credit cards offered by American Express.
If you have to have elite status but don’t fly enough to earn it there are not too many options open for you to become an elite and this where the Delta AMEX cards come into the equation.
American Express offers three different credit cards for flyers who just want to earn free flights and those who are looking for a boost to earning elite status with Delta.
The key is to find the card that maximizes your habits and fulfills your needs the best:
*The MQMs are not redeemable and only count towards Medallion status.
Ready, Set, Spend!
I would not recommend applying for the Platinum or Reserve Delta SkyMiles credit cards unless you are a big spender and know you can meet the annual spend requirements for all the MQM.
For those of you thinking of applying today, be forwarned, according to the T&C’s:
The close of the calendar year is December 31, without regard to the time of the year that the account is opened.
You would have just under 4 months to fulfill the Delta Platinum $50,000 or Delta Reserve’s $60,000 in annual spend for the bonus MQM.
That is not a strategy that I would ever employ. Pass!
Big Spender track to Platinum
Seeing as how Cardmembers can apply for and receive the signup bonus rewards from all of the cards but are only eligible to receive one annual Eligible Spending bonus for each type.
A big spender could theoretically get both the Delta Platinum and Reserve cards for all 65,000 MQM and you would only be 10,000 MQM away from Platinum status.
Another way it could be a huge benefit is if you are a current Platinum Medallion elite, sitting at 85,000 MQM mark, the extra 65,000 MQM would get you Diamond Medallion status.
Delta Reserve Card vs Delta Platinum Card
The Delta Platinum and Reserve Delta airline credit cards allow all Eligible Spending by the Additional Cardmember(s) will count towards the Basic Cardmember’s spend level to reach the Miles Boost threshold.
Where the Reserve Delta card gets interesting is that the MQMs can be kept by the Basic Cardmember or gifted to someone else.
If you are feeling particularly generous you can help out a family member or significant other reach Medallion status on your MQM donation.
But make sure that they are not an Additional Cardmember(s) because they are not eligible to receive miles through Miles Boost.
However all Eligible Spending by the Additional Cardmember(s) will count towards the Basic Cardmember’s spend level to reach the Miles Boost threshold.
If you are recruiting the entire family to reach the annual spend bonus those MQM’s will most likely be staying in your SkyMiles account.
You Get What You Pay For
For somebody who does not expect to even reach bottom level silver elite status, you need 25,000 MQM, with Delta than you would want to stick with the Gold Delta SkyMiles Credit Card.
It is hard to beat the Gold Delta Amex with its 30,000 SkyMiles after $500 spend and waived annual fee for just the regular leisure Delta flyer.
But if your sole purpose is to bump up your Delta elite status for the ongoing perks than the other Platinum and Reserve cards are the only contenders for you.
If you can comfortably meet the required annual spend on the Delta Platinum and are within 25,000 MQM of your desired elite status, pull the trigger.
However, if you need 40,000 MQM to reach your next elite tiercard you should, and can meet the cards annual spend requirement, the Delta Reserve AMEX is your only option.
The MQM bonuses of the Delta Platinum Card and Delta Reserve Card do act as a sort of perpetual bonus.
Almost like an anniversary bonus for each year you have the card but only if you meet the annual spend requirments.
It is nice to have the ability to earn the MQM each year and upgrade your elite status.
You can find applications for all three of the Delta AMEX cards by clicking on “APPLY NOW” below:
Photo by: A330


If you’re looking to invest in S&P 500 stocks, but don’t have the temperament to properly comb through the financial fundamentals of 500 individual companies, an S&P 500 Index can help you gain exposure to those stocks—without the grueling analysis.
The S&P 500 Index tracks the largest and most powerful companies in the United States. The constituent stocks are curated by the S&P Index Committee, which selects companies based on a host of factors, including market cap, liquidity, and sector allocation.
In 1976, Vanguard introduced individual investors to the nation's first mutual fund designed to mimic the S&P 500 Index. Some 20 years later, the first exchange-traded fund (ETF) was launched, which similarly tracked the S&P 500 Index. Today, nearly all major brokerages and fund companies offer some type of S&P 500 fund. Investors may access these funds through financial advisors, full-service brokers, or discount brokers.
- An S&P 500 Index fund can help your portfolio gain broad exposure to those kinds of stocks, with minimal due diligence.
- Both index mutual funds and exchange-traded funds (ETFs) maintain a strategy of passive index replication, affording investors broad access to all of the securities within the given index.
- Funds track the S&P 500 index tend to be very low-fee, with several options to choose among.
ETF vs. Mutual Fund
ETFs primarily focus on passive index replication, essentially giving investors access to all securities within the specified index. These ETFs, which usually offer low-cost expense ratios due to the minimized active management, trade throughout the day, similar to stocks. Consequently, they are highly liquid, and subject to intra-day price fluctuations—just like stocks.
Contrarily, S&P 500 mutual funds may be either passive or active. They tend to have slightly higher fees than ETFs because of associated 12b-1 costs. Furthermore, mutual funds have slightly different structures, where investors may only buy them at the day’s closing net asset trading value (NAV) price.
Those looking to cheaply invest in S&P 500 ETFs may gain exposure through discount brokers, who offer commission-free trading on all passive ETF products. But keep in mind that some brokers may impose minimum investment requirements. Currently, the largest S&P 500 ETF is State Street Global Advisors' SPDR S&P 500 ETF (SPY), which boasts around $302 billion in assets under management, as of September 2020.
Mutual funds also trade through brokers and discount brokers, but may also be accessed directly from the fund companies. Some investors wish to holistically manage their portfolio through an advisor or a broker. Others prefer to manage a portfolio of funds that are all housed within a specific mutual fund provider. Investors may also access funds through employer 401k programs, individual retirement accounts, or robo-advisor platforms
Advancing Beyond Just the Passive S&P 500 Index Fund
Investors in search of a more advanced approach to S&P 500 fund investing may wish to consider smart beta indexes, which impose lower costs, and offer the advantage of fundamental or customized investing. Examples of such funds include the AAM Dividend Fund (SPDV) and the S&P 500 Equal Weight Index Fund (RSP). Investors may also target certain segments of the S&P 500 Index that offer capital appreciation potential, with funds like the SPDR sector series or dividend-focused funds.
Many fund managers also offer active S&P 500 funds, which focus primarily on S&P 500 names, but actively trade names beyond those strictly found in the index. There are also leveraged funds, which offer a simplified hedging approach. Bullish leveraged funds use leverage to multiply the return of the S&P 500 when it performs well. Bearish leveraged funds short the S&P 500, to pull in positive returns when the index falls.


There is a financial advisor for each budget plan and financial scenario. Below’s a consider the types of financial advisors, and how to select the best advisor for you.
Financial advisors aid individuals handle their cash and reach their financial goals. They can supply a range of financial preparation solutions, from financial investment monitoring to budgeting advice to estate preparation. Selecting the ideal fintechzoom financial advisor for your circumstance is vital– doing so means you won’t wind up paying for solutions you don’t require or collaborating with an advisor who isn’t a great suitable for your financial goals.
1. Know what financial services you need
Determine why you’re seeking financial aid by asking the complying with questions:
Do you need aid with a budget plan?
Do you want assistance investing?
Would you such as to develop a financial strategy?
Do you require to get your estate plan in order or produce a trust?
Do you require tax aid?
Your answers to these concerns will certainly aid identify what kind of financial advisor you’ll need. If you just desire support investing, a robo-advisor can invest for you for a minimal cost. If you have a complicated financial life you may want to deal with an online or standard financial advisor.
2. Discover which financial advisors have your back
Financial advisors pass several names: financial investment advisors, brokers, licensed financial organizers, financial trains, portfolio supervisors. There are also financial therapists. So who does what– as well as that can you trust?
Considering that some of one of the most common titles advisors use, including the term “financial advisor” itself, aren’t linked to any type of details credentials, don’t think that a person who utilizes an official-sounding title has any kind of particular training or credentials. Any individual that gives investment guidance (which most financial advisors do) should be registered as an investment advisor with either the U.S. Stocks and also Exchange Payment or the state, depending upon their possessions under management.
Some financial advisors have a fiduciary responsibility to their customers, implying they are obliged to act in their customer’s best interest rather than their very own. Constantly collaborate with an accredited, authorized fiduciary– preferably one who is fee-only, which implies the advisor is paid directly by you and also not through commissions for offering specific investment or insurance products. Qualified financial organizers have a fiduciary responsibility to their clients as part of their accreditation.
Fee-Only Financial Organizer
Fee-Based Financial Organizer
Paid directly by clients for their solutions and also can not receive other sources of settlement, such as payments from fund companies
Function as a fiduciary, indicating they are obligated to place their clients’ passions initially
Paid by clients but also through other sources, such as compensations from financial items that clients purchase
Brokers as well as dealerships (or signed up reps) are just needed to offer items that are “ideal” for their customers
Whatever title, classification, certification or accredit an advisor asserts to have, it’s on you to veterinarian the advisor’s credentials and experience. Always research an advisor’s history by seeking out the company’s Type ADV prior to you accept collaborate with them. You can likewise examine an advisor’s work record (and try to find red flags like disciplinary activities) on FINRA’s BrokerCheck site.
3. Find out about financial advisor options
Financial advisors aren’t just available at your community consultatory office or bank. There are lots of ways to obtain financial guidance. The alternative that’s right for you will likely rely on your individual preferences, the solutions you need and also your spending plan.
A robo-advisor is an electronic service offering streamlined, low-cost financial investment administration. You address questions on the internet, then computer formulas construct a financial investment profile according to your objectives and take the chance of resistance.
Low cost: Charges begin as low as 0.25% of your balance, as well as lots of services have no or reduced account minimums, so you can begin attaching a small amount of money.
Excellent when: You need help spending for financial goals like retirement yet don’t want or can not pay for a full financial strategy.
Look in other places if: You need extra extensive financial planning. Though some robo-advisors use higher-tier financial planning services, the majority of excel at basic investment management.
Online financial planning solutions as well as advisors
This is the next step up from a robo-advisor: an on-line financial preparation solution that provides virtual access to human financial advisors
A fundamental on the internet solution might offer the same computerized financial investment monitoring you ‘d get from a robo-advisor, plus the capability to consult with a group of financial advisors when you have concerns. Extra thorough solutions such as Facet Weath and also Personal Resources roughly mirror conventional financial coordinators: You’ll be matched with a dedicated human financial advisor that will certainly manage your financial investments and work with you to produce an all natural financial strategy. Many online financial advisors can match you with an advisor with a top-tier credential such as a licensed financial coordinator.
Tool cost: Online financial planning services will usually cost less than a standard financial advisor yet more than a robo-advisor. Some solutions have relatively high financial investment requirements of $25,000 or even more; others call for no minimal financial investment.
Great when: You fit meeting with an advisor online however would still like all natural financial planning solutions such as estate preparation, retirement planning or help with business stock options. Online advisor marketplaces such as Harness Riches and also Zoe Financial, and also several on-line advisors themselves, do the work of vetting a financial advisor for you.
Look in other places if: You would certainly choose to work with an advisor face to face.
Traditional financial advisors.
Conventional financial advisors can meet you personally and will certainly be able to aid you with all of your financial planning requirements.
High price: This is frequently the highest-cost choice. Numerous typical advisors charge around 1% of your assets under administration. Some advisors also call for a high minimum equilibrium, such as $250,000 in possessions.
Excellent when: You desire specialized solutions, your scenario is complicated, you wish to satisfy your financial advisor in person and establish a long-lasting relationship with them.
Look somewhere else if: You desire similar solutions for less, fit getting help online or do not want to vet a possible advisor on your own.
4. Take into consideration how much you can pay for to pay an advisor
Financial advisors have a track record for being expensive, however there is a choice for every single budget. It is very important to comprehend how much a financial advisor costs before you dedicate to solutions. Typically talking, there are 3 expense levels you’re likely to come across:
Robo-advisors frequently bill an annual charge that is a percent of your account balance with the solution. Robo-advisor charges regularly start at 0.25% of the possessions they take care of for you, with lots of leading companies billing 0.50% or much less. On a $50,000 account balance, 0.25% works out to $125 a year.
Online financial preparation services and also advisors usually charge either a level membership charge, a percentage of your properties or both. As an example, Personal Resources bills 0.49% to 0.89% of possessions under management annually. Aspect Wide range charges an annual fee that starts at $1,800 a year as well as rises based on the complexity of your financial situation. Both fees consist of profile monitoring and financial planning.
Standard financial advisors also commonly charge a portion of the quantity managed, with a median charge of 1%, although it can vary higher for tiny accounts and reduced for big ones. Others might charge a flat charge, a per hour price or a retainer.
How much you should invest in a financial advisor depends upon your spending plan, properties as well as the level of financial guidance you require. If you have a little profile, an in-person advisor might be overkill– you will certainly save cash as well as get the guidance you need from a robo-advisor. If you have a complex financial situation, a robo-advisor might not provide what you require.
5. Vet the financial advisor’s history
If you choose to collaborate with a standard financial advisor, you’ll need to vet them. Validate any qualifications they assert to have and also inspect to see if they’ve had any kind of disciplinary problems such as scams. It’s not a bad idea to do this also if you collaborate with an online financial advisor, however many will do the vetting for you.
We also have a checklist of 10 concerns you must ask a financial advisor– consisting of whether they hold to a fiduciary criterion, what their cost structure is and also exactly how often you’ll be interacting.
When should you talk to a financial advisor?
You can look for financial aid at any moment, yet it’s especially important to get financial assistance ahead of substantial life modifications. Whether you’re acquiring a residence, starting a job, marrying or having a kid, these life events can have significant financial implications, and also some ahead of time financial planning can go a long way towards developing a stable financial future.
It’s also a good idea to consult with an expert if your financial situation itself has altered. Perhaps your salary has raised or you acquired some cash from a relative. When cash starts moving in, it’s a great suggestion to provide it a favorable instructions; or else, it can be all too simple to spend needlessly.
Why is “advisor” often spelled “adviser”? Is there a difference?
While the two terms are commonly used reciprocally, “adviser” is the lawful term made use of in the united state Financial Investment Advisers Act of 1940 to describe people that should sign up with either the SEC or with their state.
Today, “adviser” is commonly led to “advisor.” The vital takeaway is not to refuse to work with someone that makes use of an “o” instead of an “e,” however that the world of financial specialists as well as their titles can be murky; regardless of what somebody’s title is, you need to request for their qualifications, verify them and make sure their specialist designations associate your requirements. You can verify a financial investment advisor’s enrollment with the SEC’s Financial investment Consultant Public Disclosure tool (it also has a data source that includes state-registered advisors).
Where can I get free financial recommendations?
Many financial institutions and also brokerage firms use cost-free online collections of financial recommendations and also devices, so ask your existing financial service provider what is available to you. Some organizations like the Foundation for Financial Preparation use cost-free aid to people in need, including professionals as well as cancer cells patients. And also while you shouldn’t believe everything you continue reading the web, there are lots of respectable sources for financial details online, including federal government resources like Investor.gov as well as the Financial Industry Regulatory Authority.


Smart contracts are becoming increasingly popular and offer the perfect opportunity for developers who want to work with blockchain technology. In this guide, you’ll get to find out what it takes to become a successful smart contract developer, from building your knowledge base to getting yourself hired by companies.
Introduction to Smart Contract Development
A smart contract is a computer protocol that can be used to automatically facilitate, verify, or enforce the negotiation or performance of a contract. Smart contracts were first proposed by Nick Szabo in 1994 as a way to bring ‘the functionality of formal contracts to electronic commerce.’
The use of smart contracts can potentially enable more secure and efficient transactions by automating key workflow processes and eliminating the need for third-party intermediaries. For example, in the context of financial services, smart contracts could be used to automate the processing of loan applications, KYC (know-your-customer) checks, and fraud detection. In supply chain management, smart contracts could be used to track the movement of goods and automatically trigger payments along each step of the process.
While there are many potential use cases for smart contracts, developing them still requires a fair amount of technical expertise. This guide will provide an overview of what smart contracts are and some tips on how to get started with smart contract development.
Understanding Blockchain and Ethereum Platform
Blockchain is a distributed database that allows for secure, transparent and tamper-proof record-keeping. Ethereum is a decentralized platform that runs smart contracts: applications that run exactly as programmed without any possibility of fraud or third party interference.
Smart contract developers need to be proficient in both blockchain and Ethereum development in order to build decentralized applications. In this guide, we’ll cover the basics of each technology and explain what you need to know to become a smart contract developer.
A blockchain is a linked list of blocks, where each block contains a cryptographic hash of the previous block, a timestamp, and transaction data. Bitcoin was the first application built on top of a blockchain, and it uses its own proprietary form of the technology. Ethereum uses an open-source version of blockchain called Hashgraph.
Ethereum is a decentralized platform that runs smart contracts: applications that run exactly as programmed without any possibility of fraud or third party interference. These apps are built on top of a blockchain, but unlike Bitcoin, Ethereum has its own native programming language (Solidity) which allows for more complex applications.
What You Need To Know To Become A Smart Contract Developer
In order to become a smart contract developer, you need to have a good understanding of both blockchain and Ethereum development. However, if you’re just starting out, don’t feel overwhelmed – there are plenty of resources available to help you learn the ropes. The best
Different Types of Smart Contracts
When it comes to developing smart contracts, there are a few different types that you should be aware of. Each has its own distinct advantages and disadvantages that you should take into account when deciding which route to take.
The three most popular types of smart contracts are ethereum, NEO, and EOS. Let’s take a closer look at each one:
– Ethereum is the most well-known and widely used platform for developing smart contracts. As a result, there is a large community of developers and users to help support you.
– The Ethereum Virtual Machine (EVM) makes it easy to deploy and test your smart contracts.
– You can use Solidity, a widely used programming language, to develop your smart contracts on Ethereum.
– Ethereum can be slow and expensive due to its high demand.
– Smart contracts on Ethereum are immutable, meaning once they’re deployed, they can’t be changed. This can be problematic if you need to make changes down the road.
– Neo is faster and more scalable than Ethereum with the ability to handle up to 10,000 transactions per second.
– Neo uses gas (not ETH) as its currency which means transaction fees are lower than on Ethereum.
– Neo supports multiple programming languages including C#, Java, and Python
Learning the Solidity Language
There are a few different ways to learn the Solidity programming language. The first way is to find resources online. There are many blog posts, articles, and tutorials that can be found with a simple Google search. Additionally, there are several YouTube channels dedicated to teaching others how to code in Solidity.
Another way to learn this programming language is through online courses. These courses are typically much more comprehensive than blog posts or YouTube videos and will walk you through everything from the basics of the language to more advanced concepts. Some popular online courses include: ‘Learn How To Code: Google’s Go Programming Language’, ‘Udemy – Ethereum Blockchain Developer: Build Projects Using Solidity’, and ‘Hacking Blockchain’.
Finally, if you want to really dive deep into learning Solidity, there are bootcamps and intensives offered by companies such as ConsenSys and Blockgeeks. These programs usually last for several weeks or months and will give you the opportunity to learn from experienced developers while working on real-world projects
Setting up an Environment for Developing Smart Contracts
Before you start developing smart contracts, you need to set up your development environment. This includes installing the necessary software and tools, as well as setting up a test blockchain.
Installing the Software
First, you need to install the Ethereum Wallet and Mist Browser. These are two of the most popular tools for interacting with the Ethereum network.
Next, you’ll need to install an Integrated Development Environment (IDE) like Solidity or Vyper. These IDEs allow you to write and compile smart contracts.
Finally, you’ll need to install a testing tool like TestRPC or Ganache. These tools allow you to create a private blockchain for testing purposes.
Setting Up a Test Blockchain
Once you’ve installed all the necessary software, you’ll need to set up a test blockchain. This can be done using TestRPC or Ganache.
TestRPC is a NodeJS application that creates a virtual Ethereum blockchain. It’s perfect for testing purposes because it’s easy to use and quick to set up. Ganache is another option for setting up a test blockchain. It’s a bit more complicated than TestRPC, but it offers more features and flexibility.
Writing a Smart Contract from Scratch
Developing a smart contract from scratch can be a daunting task, but it doesn’t have to be. With a little bit of know-how and the right tools, you can create a smart contract that is both secure and functional.
In this guide, we will walk you through the process of writing a smart contract from scratch. We will cover everything from setting up your development environment to deploying your contract on the Ethereum network. By the end of this guide, you will have all the knowledge you need to become a smart contract developer.
Deployment of Smart Contracts
When it comes to deploying smart contracts, there are a few things you need to keep in mind. First and foremost, you need to make sure that your contract code is error-free. Secondly, you need to have an Ethereum address that has enough Ether to cover the gas costs associated with deploying the contract. Finally, you need to use a tool like Truffle or Geth to deploy your smart contract to the Ethereum blockchain.
Assuming that your contract code is error-free, deploying a smart contract is relatively straightforward. First, you’ll need to launch an instance of Ethereum geth or Parity. Once geth or Parity is up and running, you can use the truffle console to deploy your smart contract. When using the truffle console, make sure that you’re connected to the same network as your geth or Parity instance. Once you’re connected, simply run the following command:
truffle(default)> migrate –reset –network
This will deploy your smart contract to the specified network. If everything goes according to plan, you should see something like this:
… Running migration: 2_deploy_contracts.js Deploying MyContract… … 0x7df9a87565bef2d99e2e0bae23884625dcf59c73cd4f22b8da12e1a0c26ff622 MyContract
There are a few common challenges that arise when trying to become a smart contract developer. The first challenge is finding the right tools and frameworks to use. There is a lot of new technology out there, and it can be overwhelming to try and figure out which ones are the best fit for you. Another common challenge is understanding how smart contracts work. They are still a relatively new technology, and there is not a lot of documentation or resources available to help developers get started. Finally, debugging smart contracts can be difficult because of their complexity and the lack of standard tools available.
Becoming a smart contract developer is becoming an increasingly popular and lucrative career choice. There are many different ways to get started in the field, ranging from attending coding bootcamps to teaching yourself with online resources. Whichever path you choose, understanding the basics of blockchain technology and getting familiar with the relevant programming languages will be essential steps on your journey to becoming a successful smart contract developer. With enough effort and dedication, you can position yourself as an expert in this exciting new field.


NASDAQ:SPNS - Sapiens International Stock Price, News, & Analysis Sign in or create an account to add this stock to your watchlist. Get Started $13.44 -0.04 (-0.30 %) (As of 02/21/2019 06:54 AM ET)Previous Close$13.48Today's Range$13.39 - $13.6052-Week Range$8.01 - $14.46Volume29,130 shsAverage VolumeN/AMarket Capitalization$669.04 millionP/E Ratio49.78Dividend YieldN/ABetaN/A ProfileDiscussionAnalyst RatingsChartDividendEarningsFinancialsInstitutional OwnershipHeadlinesOptions ChainSEC FilingsSocial Media Share on FacebookShare on TwitterShare on LinkedInShare on RedditShare on StocktwitsPrint this articleShare by Email Sapiens International Corporation N.V. provides software solutions for the insurance and financial services industries in North America, Europe, the Asia Pacific, and South Africa. The company offers software platform and solutions for life, pension, and annuities, such as Sapiens ALIS, LifeSuite, Life Portraits, LifeApply, Sapiens INSIGHT, and Sapiens Closed Books; and personal, commercial and specialty lines, and workers' compensation comprising Sapiens IDIT, Adaptik Policy, Adaptik Billing, Stream Claim, Sapiens Stingray, PowerSuite, and CompSuite. It also provides Digital Engagement, a digital insurance suite that includes advanced analytics, a portal for consumers and agents, an API layer for integration with the insurtech ecosystem, and a cloud proposition; and process analysis, business process automation, project management, performance optimization consulting services, etc., as well as information system development and various implementation methodology services to agents, customers, and insurance personnel. In addition, the company offers reinsurance software solutions, including Sapiens Reinsurance, Freedom Reinsurance System, and Universal Reinsurance System; eFreedom Annual Statement, PRO Financial General Ledger and Accounts Payable, PTE Financial applications, Insurance Financial reporting, and Power2Play financial and compliance solutions; and Sapiens DECISION, an enterprise-scale decision management solution. Further, it provides technology-based solutions based on its eMerge platform, which offers end-to-end modular business solutions, as well as Agile, Sapiens Delivery Tool, and Sapiens Delivery Performance Indicator methodologies. Additionally, the company offers program delivery, business transformation, and managed services. It markets and sells its products and services through direct and partner sales. The company was founded in 1982 and is headquartered in Holon, Israel. Receive SPNS News and Ratings via Email Sign-up to receive the latest news and ratings for SPNS and its competitors with MarketBeat's FREE daily newsletter. Industry, Sector and Symbol Stock Exchange NASDAQ Industry Prepackaged software Sub-IndustryApplication Software SectorComputer and Technology Current SymbolNASDAQ:SPNS Previous Symbol CUSIPN7716A15 Webwww.sapiens.com Phone972-3790-2000Debt Debt-to-Equity Ratio0.34 Current Ratio1.41 Quick Ratio1.41Price-To-Earnings Trailing P/E Ratio49.78 Forward P/E Ratio25.85 P/E GrowthN/A Sales & Book Value Annual Sales$269.19 million Price / Sales2.49 Cash FlowN/A Price / Cash FlowN/A Book Value$4.08 per share Price / Book3.29Profitability EPS (Most Recent Fiscal Year)$0.27 Net Income$350,000.00 Net Margins4.59% Return on Equity12.05% Return on Assets6.42%Miscellaneous Employees2,376 Outstanding Shares49,780,000Market Cap$669.04 million OptionableOptionable Sapiens International (NASDAQ:SPNS) Frequently Asked Questions What is Sapiens International's stock symbol? Sapiens International trades on the NASDAQ under the ticker symbol "SPNS." How often does Sapiens International pay dividends? What is the dividend yield for Sapiens International? Sapiens International declared a ... dividend on Friday, September 21st. Stockholders of record on Tuesday, October 16th will be given a dividend of $0.2337 per share on Tuesday, October 30th. The ex-dividend date of this dividend is Monday, October 15th. View Sapiens International's Dividend History. How were Sapiens International's earnings last quarter? Sapiens International Co. (NASDAQ:SPNS) announced its quarterly earnings data on Wednesday, November, 7th. The technology company reported $0.15 EPS for the quarter, beating the consensus estimate of $0.14 by $0.01. The technology company had revenue of $73.24 million for the quarter, compared to analysts' expectations of $72.12 million. Sapiens International had a net margin of 4.59% and a return on equity of 12.05%. Sapiens International's quarterly revenue was up 1.7% compared to the same quarter last year. During the same period last year, the firm posted $0.13 EPS. View Sapiens International's Earnings History. When is Sapiens International's next earnings date? Sapiens International is scheduled to release their next quarterly earnings announcement on Tuesday, February 26th 2019. View Earnings Estimates for Sapiens International. How can I listen to Sapiens International's earnings call? Sapiens International will be holding an earnings conference call on Tuesday, February 26th at 9:30 AM Eastern. Interested parties can register for or listen to the call using this link or dial in at 8886689141. What price target have analysts set for SPNS? 4 equities research analysts have issued 12-month target prices for Sapiens International's stock. Their forecasts range from $14.00 to $14.00. On average, they anticipate Sapiens International's stock price to reach $14.00 in the next year. This suggests a possible upside of 4.2% from the stock's current price. View Analyst Price Targets for Sapiens International. What is the consensus analysts' recommendation for Sapiens International? 4 Wall Street analysts have issued "buy," "hold," and "sell" ratings for Sapiens International in the last year. There are currently 2 hold ratings and 2 buy ratings for the stock, resulting in a consensus recommendation of "Buy." View Analyst Ratings for Sapiens International. Has Sapiens International been receiving favorable news coverage? News coverage about SPNS stock has been trending somewhat negative on Thursday, InfoTrie reports. The research group identifies negative and positive press coverage by monitoring more than six thousand blog and news sources in real time. The firm ranks coverage of public companies on a scale of negative five to five, with scores nearest to five being the most favorable. Sapiens International earned a coverage optimism score of -1.0 on InfoTrie's scale. They also assigned news stories about the technology company a news buzz of 10.0 out of 10, meaning that recent press coverage is extremely likely to have an effect on the company's share price in the next several days. Who are some of Sapiens International's key competitors? Some companies that are related to Sapiens International include China Information Technology (CNIT), Clarent (CLRN), Code Rebel (CDRBQ), CommerceHub (CHUBK), CommerceHub (CHUBB), CommerceHub (CHUBA), Connecture (CNXR), Longwen Group (LWLW), Mobileye (MBBYF), MuleSoft (MULE), Pacific WebWorks (PWEB), Polar Wireless (BCDI), Velti (VELTF) and Web.com Group (WEB). Who are Sapiens International's key executives? Sapiens International's management team includes the folowing people: Mr. Roni Al-Dor, Pres & CEO (Age 58)Mr. Roni Giladi, CFO & VP (Age 48)Mr. Ben Shory, Corp. CTO & Digital Division Mang.Ms. Yaffa Cohen-Ifrah, Chief Marketing Officer & Head of Corp. CommunicationsMs. Osnat Segev-Harel, Head of Corp. Devel. (Age 57) Who are Sapiens International's major shareholders? Sapiens International's stock is owned by many different of retail and institutional investors. Top institutional shareholders include Delek Group Ltd. (0.36%), Menora Mivtachim Holdings LTD. (0.31%), Jane Street Group LLC (0.29%), Dimensional Fund Advisors LP (0.25%), Geode Capital Management LLC (0.10%) and Acadian Asset Management LLC (0.08%). Which major investors are selling Sapiens International stock? SPNS stock was sold by a variety of institutional investors in the last quarter, including Millennium Management LLC, Delek Group Ltd., Menora Mivtachim Holdings LTD., Segall Bryant & Hamill LLC and Geode Capital Management LLC. Which major investors are buying Sapiens International stock? SPNS stock was acquired by a variety of institutional investors in the last quarter, including Jane Street Group LLC, Dimensional Fund Advisors LP, ETF Managers Group LLC, Monarch Partners Asset Management LLC, Altshuler Shaham Ltd, Acadian Asset Management LLC, 1492 Capital Management LLC and Ramsey Quantitative Systems. How do I buy shares of Sapiens International? Shares of SPNS can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab. What is Sapiens International's stock price today? One share of SPNS stock can currently be purchased for approximately $13.44. How big of a company is Sapiens International? Sapiens International has a market capitalization of $669.04 million and generates $269.19 million in revenue each year. The technology company earns $350,000.00 in net income (profit) each year or $0.27 on an earnings per share basis. Sapiens International employs 2,376 workers across the globe. What is Sapiens International's official website? The official website for Sapiens International is http://www.sapiens.com. How can I contact Sapiens International? Sapiens International's mailing address is Azrieli Center 26 Harukmim St., Holon L3, 5885800. The technology company can be reached via phone at 972-3790-2000 or via email at [email protected] MarketBeat Community Rating for Sapiens International (NASDAQ SPNS)Community Ranking: 2.4 out of 5 ( )Outperform Votes: 211 (Vote Outperform)Underperform Votes: 229 (Vote Underperform)Total Votes: 440MarketBeat's community ratings are surveys of what our community members think about Sapiens International and other stocks. Vote "Outperform" if you believe SPNS will outperform the S&P 500 over the long term. Vote "Underperform" if you believe SPNS will underperform the S&P 500 over the long term. You may vote once every thirty days. This page was last updated on 2/21/2019 by MarketBeat.com StaffFeatured Article: What is a Lock-Up Period?


Felixstowe, the UK’s largest container port, could soon be brought to a standstill after dock workers voted overwhelmingly to strike in August. No actual strike date has been set, and both sides will be resuming negotiations next week. Main outstanding issue: below-inflation wage increases offered by management.
Felixstowe handled 4 million TEUs annually, nearly half of all UK container trade. Voting for potential strike is also underway at the Port of Liverpool.
A wave of industrial action is sweeping across Europe’s main ports as runaway inflation and a cost-of-living crisis cut deep into worker wages.
Unite, one of the UK’s largest unions, said in a statement Thursday that 92 percent of its members at Felixstowe voted in favor of a walkout agreed to strike. The port is operated by a division of Hutchison Ports UK, a subsidiary of CK Hutchison Holdings.
“The bottom line is this is an extremely wealthy company that can fully afford to give its workers a pay rise. Instead, it chose to give bonanza pay outs to shareholders touching £100 million ($121 million),” Sharon Graham, secretary general of Unite, said in a statement.
The dispute arose after the Felixstowe Dock and Railway Company, a wholly owned subsidiary of CK Hutchison, offered workers a pay increase of 5 percent. With UK inflation at 9.4 percent in June — and some indicators putting inflation at 13.8 percent in July — Unite labeled the 5 percent offer “an effective pay cut” that followed a below-inflation pay raise of 1.4 percent in 2021.
However, a Port of Felixstowe spokesman said the port had made what it considered “a very fair offer” and was “disappointed with the result of the ballot.”
“Strike action at Felixstowe will inevitably create huge disruption across the UK’s supply chain,” said Unite regional officer Miles Hubbard. “Strike dates have yet to be announced but even at this late stage the dispute could be resolved by the company returning to negotiations and making a realistic offer,” he added. (Photo courtesy of Port of Felixstowe)


Cost of living in Muar, Malaysia compared to Ahmedabad, India
|Personal Care||- 5%|
WARNING! This comparison is based on only a few data points. At this point it is only a guess. It is based on 824 prices entered by 119 different people.
These prices were last updated on April 25, 2018. Exchange rate: 17.028 INR / MYR
Do you live in Ahmedabad? We need your help!
Cost of living in Muar (Malaysia) is 14% more expensive than in Ahmedabad (India)
For example, you would need at least ₨58,213 (RM3,419) in Muar to maintain the same standard of living that you can have with ₨51,000 in Ahmedabad.
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Are you contemplating buying at the city hall steps, or through an auction company? Be careful because you do need to know if it has clear title to the property. You also don't want to buy a 2nd on the property because you could end up holding an empty bag. City Hall requires cash. You may also be able to get a hard money loan through an investor but it has high fees and interest associated with these type of loans. If you have any questions feel free to call us. Bart & Tracey Tipton http://www.mymajesticproperties.com
My company is the listing broker for all of the HUD owned foreclosures in Kern County. We submit bids for Buyers on these properties. All traditional financing is available for these homes. Call me if you have any questions about these homes or the bid process.
In my experence in NY, you could get a mortgage.
When u win the bid, you pay 10% there it self & you got 30 Days to come up with the rest.
Always talk to your attorney and do intensive market research as the auction properties come as-is.
There are other options besides cash but you don't want to make any decision without a Realtor to be at your side. You can buy a foreclosure home with bank financing with the help of a Realtor. Try Valerie Moses at 661-619-0239 She is great with buyers.


Bob joined Scope in 2003 and has been in various aspects of banking since 1983. He holds a bachelor's degree from the College of Wooster and an MBA from the Fisher College of Business at The Ohio State University.
Charlie is Scope's Senior Lender and joined the team in 1989. Prior to that, he spent many years as commercial lender in Michigan and Ohio. Charlie has twice been elected to the Board of Directors of the National Aircraft Finance Association (NAFA) in 1997 and 2005. He holds a BBA degree from Albion College and an MBA from Bowling Green State University.
Drew joined the Scope team in 2016 and serves the piston, turboprop and jet markets. He has been in banking since 2007 and has experience financing small businesses and commercial real estate investors for loans up to $25 million. He holds degrees in Finance and International Business from Ohio University and a degree in Law from Capital University Law School. In addition, Drew is currently training for the private pilot’s certificate.
Alaina joined the Scope team in August 2019. Having previously worked as a commercial lender in another division of our bank, Alaina brings a decade of experience in the financial services industry. She graduated from The Ohio State University’s Fisher College of Business with a degree in Accounting and holds a CPA designation.
Mike has been in the aircraft finance industry since 2011, and banking since 2006. Mike is a 2009 graduate of Ohio University, where he studied Aviation and Business, as well as obtained commercial pilot and flight instructor certificates.
Having joined Scope in 2019, Bryan has over 20 years of aircraft finance experience. He graduated from Indiana State University in 1997 with a degree in Aerospace Administration. Since his time at Indiana State, Bryan has spent his entire career in the aircraft finance industry, having worked for one of the leading aircraft OEM finance subsidiaries, as well as spending nearly two decades working for another financial institution, where he provided aircraft financing in the owner-flown aircraft market, and beyond. Bryan holds his Private Pilot certificate and enjoys flying, attending aviation industry events, and is a self-described aviation fanatic.
Logan joined Scope in 2018 as a credit analyst with 10 years of banking experience. He is a 2009 graduate of Tiffin University with a degree in Finance and Managerial Studies. He is currently earning his MBA from the Fisher School of Business at The Ohio State University. Previously, Logan has worked in several areas of commercial lending, where he gained experience providing financing solutions for businesses of varying sizes and industries.
Jessica joined Scope in 2015 as a credit analyst. She has an aviation background, having graduated from The Ohio State University with a degree in Aviation Management. Previously she worked in scheduling and operations at a local flight department.
Caileigh has been an associate at Park National Bank (Scope’s parent company) since April 2017. Having worked in several areas of the bank, from commercial loan underwriting to customer service areas, she joined Scope in August 2019 as a credit analyst. Caileigh attended Allegheny College, with studies focused on pre-med and history. Before her banking career, Caileigh worked in the medical field at a local optometrist office. Her varied experience in the medical and banking backgrounds, coupled with her involvement in our local community, adds breadth and depth of knowledge valuable to the credit function at Scope.
Donna has been with Scope since 2001 and serves Operations Manager, coordinating closings and managing back office operations. Donna began her career at State Savings Banks in 1984 and is graduate of the Columbus Business University.
Terri joined Scope in 2013 and holds a great deal of banking experience, having served in retail and other financial staff capacities for institutions in the Columbus area.
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