Global Master in Finance #mba #or #masters #in #finance


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A step forward with your career in finance

The program is aimed at executive professionals with a minimum of 5 years work experience in the world of finance or related field. The program is offered in the blended format with three residential periods in Madrid-London-Madrid. This unique methodology allows participants to obtain a Master degree while staying at work.

The Blended Methodology

Designed through the awarded IE Blended Methodology, the Global Master in Finance combines 3 face-to-face periods with online interactive distance learning periods. with asynchronous online sessions and live interactive videoconferences. This new generation of blended education has been recognized as the best in the world by the FT for IE´s Global MBA in 2014 2015.

High Profile Classroom

GMIF students are senior professionals executives with extensive work experience in finance which hold positions such as CFO, Managing Directors, Vice Presidents etc. of banks, multinationals, consultancies etc. They work in diverse fields, ranging from project finance and capital markets to auditing and manufacturing industries, are high-performing ambitious that come to IE with open-minds and global mindsets to share the same passion for finance ethical practice.

Flexibility in customizing your study hours

Apart from live videoconference that take place every Saturday at 16.00 and 18.00. During the week, students participate in asynchronous forum sessions according to their time zone. Participants connect to the Virtual Campus in order to access the 24/7 forums. This allows students to make their written contributions at whatever hour best fits their schedule.

Optional trips to New York and Ghana

One of the highlights of the program is the optional trips to New York (limited places). Students have the opportunities to visit top companies in the financial industries in NYC and meet top strategists and experts through seminars and talks. In addition, the trip to Ghana will allow students to have a life-changing experience in Ghana as part of the Microfinance project (Financiers without Borders) and will be able to apply their knowledge in finance to a real life case.

How your classmates will be

IE s blended methodology allows participants to interact with classmates and professors from any part of the world, without interrupting their professional lives.

with extensive experience
in banking sector 50%

MODULE I
Interactive Distance Learning

Interactive Distance Learning

  • Economics for Markets
  • Introduction to Capital Markets
  • Financial Accounting
  • Quantitative Finance Essentials
  • Corporate Finance
  • Derivatives Fixed income Fundamentals
  • Financial Modelling
  • Advanced Topics in World Economy
  • Commodities
  • Behavioural Finance
  • Portfolio Management Competition
  • Employability in Finance

MODULE II
Interactive Distance Learning

Interactive Distance Learning

  • Valuation Equity Research
  • Foundations of Banking
  • Advanced Corporate Finance
  • Foreign Echange
  • Risk Governance
  • Mergers Acquisitions
  • Asset Allocation
  • Etrepreneurship through Acquisitions Private Equity
  • Portfolio Management Competition
  • Employability in Finance

Interactive Distance Learning

The methodology is eminently practical and based on teamwork and the case method. Topics are analyzed through participants’ discussion of real business cases and simulations under the guidance of the professor, who leads and focuses the debate. This methodology helps identify the main problems companies have to deal with, and develops participants’ decision making skills. The interactive distance learning dynamic is based on combining live videoconference sessions and asynchronous discussion forums.

Virtual Campus

IE’s virtual campus is the principal tool used by students and professors, and is the basic web platform which supports all of the program’s online activities. Every student has their own personal access codes to allow them to use the campus whenever they wish. Once logged in, students have access to forums focused on the subjects they are currently studying. In addition to this, students can make use of private forums for group work, and the virtual café, a space where all class members can discuss any topics of interest.

Live Videoconferences

A live videoconference takes place every Saturday from 15:30 17:00 (Madrid time). These sessions allow students and professors to have live interaction via video and audio connections (using webconference platforms provided by IE). Each session lasts 90 minutes and attendance is mandatory. This format allows class members to maintain weekly face-to-face contact with professors and fellow participants. Sessions consist of a mixture of case discussions, group presentations, and lectures.

Forum-Based Debates

Between Monday Thursday, students participate in sessions which take place on the discussion forums. Participants connect to the Virtual Campus in order to access the forums, which are active 24/7. This allows students to make their written contributions at whatever hour best fits their schedule. The number of interventions per student is limited to 5 short contributions in order to encourage a fluid debate.

University Diploma

Upon program completion you will receive a University Private Degree from IE Business School and IE Universidad.
IE Business School is a school within IE Universidad, which is a University officially accredited by the Spanish education authorities, allowed to provide official Bachelor and Master’s degrees, whose qualifications are officially submitted by the Spanish Ministry of Education, in accordance with the Spanish legislation. Likewise, IE Universidad is legally authorized to provide its own University Private Degrees, which differ from the official ones in that they are created and provided by exercising the University’s autonomy conferred by the Spanish regulations. These University Private Degrees are specifically directed towards the professional application of such studies and the constant update of the higher education, preserving the educational standards of excellence of IE.

Voice of our Students

Manuel Sansigre (Spain)

M A Associate at Three Ocean Partners, New York
Class of 2009

I graduated from the MIAF in 2009, after that I worked in a leading Spanish M A boutique and now I am working in M A in New York. Prior to IE, I was working in strategy and finance at IBM, but I believed the banking sector would provide a better fit for my profile. Changing sector is always a tough decision to make in your career path, I have been able to leverage the education and networking opportunities that IE offers.

Dennis Lin (Canada)

Banco Santander
Class of 2014

With an undergraduate degree in music, I was an unlikely candidate to be in business not to mention in the highly specialized world of finance. Taking risks and working hard to get into the business world were understatements – I had to be more strategic in my approach and act with more conviction than others to make it. IE was an integral part in achieving my goal of becoming a truly international businessman and financier.

Rankings

The Master in Finance has been consistently ranked in the top 4 by the Financial Times´ Global Masters in Finance rankings in the past four years. It is also ranked No.1 worldwide by eFinancialCareers, a ranking that measures the number of students who got jobs in top investment banks.

3 rd Master in Finance Worldwide Financial Times
June 2016

1 st Master in Finance for getting an investment banking job E-Financial Careers
August 2014

5 th European Business School Financial Times
December 2015


03/11/2017

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Masters of Business Administration (MBA) – MBA #mba #programs, #gmat, #maasters


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Masters of Business Administration (MBA)

A Masters of Business Administration, or MBA, is the postgraduate degree in business administration and one of the most popular degrees for incoming graduate students, according to the Council of Graduate Schools (based on 2010 data). MBA programs attract students from a wide range of disciplines, including education, hospitality and computer science. Executives in public education, nonprofit and for-profit enterprises and in the health care industry may all benefit from the scientific approach to management MBA courses provide. Earning a Masters in Business Administration can provide a range of skills and tools for graduates outside of the business world including the following:

Business Acumen: Running a business entails more than wearing a suit and tie. It involves understanding financial analyses and balancing the organization’s opportunity costs, both of which are taught in an MBA program. These skills can be valuable outside of traditional business environments, such as nonprofits or in education. Skills for running a successful business may help you keep costs down and ensure that the company stays within operational budgets and also prepare you to pull the plug on a project if it’s simply taking too long or not worth the time.

Leadership: An MBA program can impart the value of leadership and all its related aspects through a combination of training and internships. These programs may help teach you how to put your newfound leadership skills to use not only in day-to-day business operations, but in life outside of work as well.

Communication: An MBA program involves rigorous training, assignments, reports, presentations and group projects, all of which may provide you with the necessary communication skills to handle real-life business situations. The experiences you develop during the program have the potential to set you apart from others in your field.

Networking: The alliances that you form with your classmates may last a lifetime and the network that you create can be one of the most important and valuable things you take away from an MBA program. MBA graduates have said they often felt that the associations formed during the program were invaluable and could be drawn upon for years after they have earned their degree.

There are a number of MBA program specializations to choose from, including information security, operations management and accounting. Beyond the program specializations, there are also a number of different potential education paths you may take — full time, an executive program, distance learning or earning a double degree in two MBA focuses. There are many options, so it may be advisable to weigh the pros and cons of each according to your individual circumstances.

This site gathers the information for you with the goal of highlighting the various aspects of an MBA program so that you have the information to help you make an informed choice as well as be prepared for what to expect from business school and beyond.

Below you’ll find more information on what makes a good MBA candidate, what to expect during the Graduate Management Admissions Test (GMAT) and answers to frequently asked questions regarding various MBA programs.

General MBA Resources Provided On UNH MBA:

What is an MBA offers detailed information on what an MBA actually is, what the benefits of an MBA are and also discusses the popularity if MBAs programs within the Unites States.

MBA career opportunities discusses how an MBA can benefit your career and also offers details on the some of the career types that are well suited to those with an MBA under their belts.

The value of an MBA offers details on the skills that can be acquired through an MBA program, how these skills and this qualification can improve your career prospects and the financial value of having an MBA.

What makes a good MBA candidate provides information on what MBA institutions and programs are looking for in an MBA applicant, offers advice on submitting applications and tips for the MBA program interviews.

The Graduate Management Admission Test (GMAT) provides tips and information on the MBA entrance exam, detailing how the exam is assessed, the format of the test and the scoring structure of the GMAT.

GMAT study and test taking strategies provides a selection of invaluable study tips and strategies designed to help those taking or intending to take the GMAT.

How To Choose An MBA Program For You provides details on selecting the program that will meet your career needs. This covers considerations ranging from your expectations and physical circumstances to your finances and your lifestyle.

MBA FAQ covers a selection of commonly asked questions about the MBA program and process, enabling you to find out some basic details about MBAs at a glance.

MBA Programs:

MBA Programs offers information on some of the different types of MBA programs available today and discusses the methods of study used to take MBA courses. You can study for a wide range of MBA programs, from the general MBA to a dual MBA program with multiple specialties.

UNH MBA School Profiles – Find An MBA Program:


15/10/2017

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Provident Fund Loans #bridging #finance


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Provident Fund Loan

Waiting for your Provident Fund to payout.

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  • Also Pension Bridging and Retirement Annuity Bridging
  • Use the money as you want to

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Pension Bridging

Are you waiting for your Pension to payout ?

  • Access your Pension Payout NOW, Countrywide; all pension funds loans, QUICK AND EASY !
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  • Also Provident Fund backed loans and Retirement Annuity Bridging
  • Use the money as you want to

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Divorce Pension Claim

Access your spouses pension or provident fund:
if you have been awarded this by the courts.

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Death Claim

Beneficiaries of a deceased person can access the pension or provident funds of the said person in advance.

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Annuity Bridging

If your annuity is paying out within 6 months it can be accessed now.

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If your endowments maturing within 4 months you can get access to funds now.

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Personal Loan

Personal Loans for loans up R 150 000 for self employed persons with clear credit records.

Provident Fund Loans | Pension Bridging


15/10/2017

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Top 10 Colleges and Universities for Finance – Financial Management #business


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Top 10 Best Finance & Financial Management Schools in the Country

There are somewhere around 37,870 people persuing a degree in Finance & Financial Management every year. This makes it 13th most well liked out of 389 college majors in our database.

With a ranking of 31 out of 121 total majors when it comes to possible income, Finance & Financial Management graduates make around 8.0% more than the average college graduate. To be specific, Finance grads record average starting career earnings of $44,855 and mid-career pay of $81,387 .

A round-up of the greatest Finance & Financial Management colleges.

The following list ranks the best colleges and universities in the U.S. for a Finance & Financial Management degree. Our ranking methodology takes into account factors such as education quality, average earnings of graduates, accreditation, and several other relevant factors.

Showing college(s) sorted by

All US Colleges

Any student who is interested in Finance & Financial Management has to check out Georgetown University. Finance majors from Georgetown University receive an earnings boost of about 43.8% over the typical income of finance & financial management majors. Situated in Washington, District of Columbia, this school is a very good choice for students who enjoy the excitement of a large city.

Political science & government is the most well-attended program at Georgetown University. If you want to major in political science & government, Georgetown University is an excellent choice since it has one of the greatest political science degree programs in the country. Get a better idea of what student life at Georgetown is really like by viewing a few campus videos.

Explore the best colleges in the area

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11/10/2017

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Trump Orders Media Blackout At Government Agencies: Bans Use Of Social


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Trump Orders Media Blackout At Government Agencies: Bans Use Of Social Media, Bars New EPA Contracts

It wasn’t just the EPA.

Earlier today, we reported that the Trump administration instituted a media blackout at the Environmental Protection Agency and barred staff from awarding any new contracts or grants.

Emails sent to EPA staff since President Donald Trump’s inauguration on Friday and reviewed by The Associated Press, detailed the specific prohibitions banning press releases, blog updates or posts to the agency’s social media accounts. On Monday, the Huffington Post reported that EPA grants had been frozen, with agency employees barred from speaking of the matter. The memo ordering the social media blackout is shown below.

Cited by The Hill, Myron Ebell, who leads the Trump EPA transition, confirmed the freeze to ProPublica. “They’re trying to freeze things to make sure nothing happens they don’t want to have happen, so any regulations going forward, contracts, grants, hires, they want to make sure to look at them first,” Ebell told ProPublica. Trump’s pick for EPA director, Oklahoma Attorney General Scott Pruitt, has frequently challenged agency policy in court.

The Trump administration reportedly told the Department of the Interior to stop tweeting from its accounts over the weekend after the National Park Service’s Twitter account retweeted a post about the crowd sizes at Trump’s inauguration Friday. The agency brought back its accounts on Saturday.

Asked if the EPA had been gagged, White House press secretary Sean Spicer said on Tuesday: “I don’t know. we’re looking into it. I don’t think it’s a surprise we’re going to review the policies but I don’t have any info at this time.”

According to Reuters sources, the move “reinforced concerns that Trump, a climate change doubter, could seek to sideline scientific research showing that carbon dioxide emissions from burning fossil fuels contributes to global warming, as well as the career staffers at the agencies that conduct much of this research.”

The agency also was asked by the White House on Monday to temporarily halt all contracts, grants and interagency agreements pending a review, according to multiple sources. The EPA awards billions of dollars worth of grants and contracts every year to support programs around environmental testing, cleanups and research. According to Reuters ,
the White House sent a letter to the EPA’s Office of Administration and Resources Management ordering the freeze on Monday. “Basically no money moving anywhere until they can take a look,” the staffer said, asking not to be named.

Now, as Reuters adds, other agencies were also impacted, and the Trump’s administration has put staff at a slew of government agencies on notice – “be careful what you say.”

In addition to the EPA, the Interior Department and the U.S. Department of Agriculture also has seen efforts to curb communication. On Monday, staff at the department’s Agricultural Research Service (ARS) were asked in an email to suspend the release of “any public-facing documents.”

“This includes, but is not limited to, news releases, photos, fact sheets, news feeds, and social media content,” the email said.

The U.S. Department of Agriculture disavowed the email on Tuesday, saying in a statement that it was released without “departmental direction and prior to departmental guidance being issued.”

“ARS will be providing updated direction to its staff,” according to the statement.

The ARS focuses on scientific research into the main issues facing agriculture, including long-term climate change.

Last week, staff at the Interior Department were told to stop posting on Twitter after an employee retweeted posts about the relatively low attendance at Trump’s inauguration, and about how the issues of climate change and civil rights had disappeared from the White House website.

The department has since resumed tweeting.

This isn’t censorship, they are a dept of the Executive branch and follow orders including communication same as any other. Got a question ask the President’s Press secretary.

They (EPA) promote and fund the research that promotes Climate Change being caused by CO2. Big time. Now the money is shut off. Lets see if we can get that money or some of it to study the effects on the Earth’s Temperature caused by the Sun, Lets see how GMO crops are 300% higher in formaldehyde.

STATE DEC’s do most of the real environmental work.

How does the media know that there’s a media blackout? Did someone at the EPA already spill the beans against Trump’s wishes?

i am pretty much an extremist when it comes to pollution and environmental degradation yet i think this is a healthy debate.

i hope the scientists inside and outside government rise to the occasion and convince the public of the need to reduce fossil fuel pollution (i wanted it long before i heard of global warming).

the democrats too should met the challenge and justify their use of air and space.

You do not need to believe in global warming (from human activity) to be against pollution. Police pollution and you will do much to taper global warming, if it were real (I am a doubter because cycles sound reasonable, and because we caught some of their scientists lying about their results, which, if global warming was real, those folks should be executed [and I am not a lover of capital punishment]). Go after pollution, STFU about global warming. Ask China, we don’t want to be China.

Every publically traded organization I’ve worked for would terminate me for making “statements” to the media. I don’t know what the rules are in public sector but this is just standard practice.

Might I suggest you refer to Obunghole in the future as a dicktaster?

You mean “Report Scientific Results” = “bitch to the media”?

We’re about to find out the real meaning of “politically correct”.

fuck up the biosphere.

and you better shut the fuck up and don’t tell on us.

Do the world a favor and stop breathing to support your flawed beliefs.

Far more people die from cold weather related events than from warm weather and yet Obama’s policy was to try to make the climate even colder than it is. The man was a menace.

I know it’s weird that we still exist, but as a skinny girl I fully support global warming.

I mean, is it just me or is it way too fucking cold? And am I the only one that remembers girls asking this all the time? Christ we’ve gotten fat. No wonder everyone thinks it’s gotten so much warmer.

Sorry to inform you that the world is most likely going to get much colder in the next 30 years. I suggest you move farther south if you don’t like the cold.


10/10/2017

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Finance and Operations, Business Edition—Small Business Software #dynamics #365 #for #finance


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Microsoft Dynamics 365 for
Finance and Operations, Business edition

Purchasing

Automate and secure your purchasing process

Monitor and control your purchasing process through automated workflows and dynamically updated inventory levels. Prevent unnecessary or fraudulent purchases by implementing approvals, plus modify a posted invoice in your financial management system and register the correction without hassle.

  • Create purchase invoices and orders to record the cost of purchase and track accounts payable
  • Stay in control of expenses by implementing advanced workflow and approval structures
  • Automate tasks for vendors to record your agreements concerning discounts, prices, and payment methods

Reporting and analytics

Get a complete picture of your business

Centralize your financial management data across accounting, sales, purchasing, inventory, and customer interactions for an up-to-date, end-to-end view of your business. Make faster, more informed decisions when you’re guided by connected processes, predictive analytics, and real-time data.

  • Make fast, informed decisions with seamless Microsoft Excel integration
  • More easily track your KPIs by creating your own analyses on general ledger data
  • Chart your business’ performance in real time on your dashboard using built-in Power BI integration
  • Accurately predict your cash flow using built-in Cortana Intelligence integration

Project management

Keep projects on time and under budget

Perform common project management tasks and get all the data you need to help manage budgets and monitor progress. Track machine and employee project hours using timesheets, and access real-time data on available resources, such as employees and machinery.

  • Create, manage, and track customer projects with sophisticated job costing and reporting capabilities
  • Manage usage levels and profitability of resources by planning capacity and sales
  • Develop, modify, and control budgets to avoid over-expenditure

Operations—coming soon

Manage and optimize your supply chain

Streamline your operations and make smarter decisions by taking advantage of integrated manufacturing, warehousing, and service management.

  • Stay on top of warehouse inventory by tracking every item transaction or movement
  • Get quality products to market more efficiently with visibility across your entire production process
  • Deliver reliable service to your customers by tracking existing service agreements

Read the capabilities guide for Dynamics 365 for Finance and Operations, Business edition. DOWNLOAD NOW

Grow your accounting practice

If you’re an accountant working with small businesses, expand the accounting services you offer with Dynamics 365 for Financials—an insightful, scalable platform that helps you connect and collaborate with clients while enhancing your productivity.

Tailor and extend Dynamics 365 across your business


07/10/2017

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8 Epic EHR implementations with the biggest price tags in 2015


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8 Epic EHR implementations with the biggest price tags in 2015

Investments in EHR systems are undoubtedly costly, but some implementations appear to carry more costs than others.

Implementation costs vary system to system and hospital to hospital. Prices fluctuate based on what types of additional features and modules a hospital selects. And, according to a Politico report, some EHR vendors charge for additional service fees while others don’t. The Politico report indicates for Epic’s 2014 edition software, the Verona, Wis.-based EHR vendor charges a software licensing fee, implementation costs and annual maintenance costs while OpenVistA, developed by Carlsbad, Calif.-based Medsphere, for example, does not.

Even within the subsector of Epic implementations, costs fall across the board. For example, Duke University Health System, based in Durham, N.C. paid approximately $700 million for its Epic EHR (systemwide go-live in 2014) while Dartmouth-Hitchcock Medical Center in Lebanon, N.H. paid $80 million (go-live in 2011), according to a Forbes report.

John Halamka, MD, CIO of Beth Israel Deaconess Medical Center. said in the Politico report that hospitals selecting Epic’s platform are not just buying a product — they are buying a process. BIDMC does not operate on Epic’s EHR; rather, the hospital earlier this year forged a partnership with athenahealth, which included using the Watertown, Mass.-based vendor’s product.

“Epic is selling a methodology; often a lot of manual processes or heterogeneity and standardizing the work,” Dr. Halamka told Politico. “It’s not that they’re buying expensive software, they’re buying a lot of software.”

No matter where the prices come from, the cost of Epic installations are significant. Here are eight of the most costly Epic implementations reported within the past six months. These are working numbers, with some systems having allotted the indicated amounts to implementation projects and others that have already completed installations.

Partners HealthCare: $1.2 billion
Boston-based Partners HealthCare is one of more recent implementations, going live the first week of June to the tune of $1.2 billion. This is the health system’s biggest investment to date. The implementation process took approximately three years, and in that time, the initial price tag of $600 million doubled.

LehighValleyHealth Network: $200 million
LVHN started its switch to Epic’s platform in February 2015, but the full transition will take between four and six years. Harry Lukens, CIO of the Allentown, Pa.-based system, told The Morning Call the total investment dedicated to the installation includes software, hardware, data conversion and additional personnel.

Mayo Clinic: “Hundreds of millions”
In January 2015, Rochester, Minn.-based Mayo Clinic announced it selected Epic’s EHR and revenue cycle management platforms and planned to drop its Cerner and GE Healthcare contracts to do so. The value of the contract was not disclosed by the health system or the vendor, but stock analysts told The Kansas City Star it is worth “hundreds of millions of dollars over several years.” Additionally, the headline of the Star report reads “Cerner loses Mayo Clinic contract worth hundreds of millions of dollars to Epic,” indicating a ballpark estimate of the new contract’s value.

LaheyHospital Medical Center: $160 million
On March 28, 2015, the Burlington, Mass.-based hospital completed its two-year implementation of Epic’s EHR system. Two months later, Lahey Health said it was laying off 130 people at three hospitals to close the budget gap. In the six months ended March 31, the health system had lost $21 million, partly due to preparatory EHR implementation costs.

Lifespan: $100 million
Providence, R.I.-based Lifespan announced plans to implement Epic’s EHR in March 2013, and the health system went live April 2015. Lifespan initially projected the implementation to cost $90 million, but in a Rhode Island Public Radio report, John Murphy, MD, executive vice president of physician services, alluded to a total closer to $100 million.

Erlanger Health System: $97 million
Chattanooga, Tenn.-based Erlanger Health System signed a contract with Epic in May 2015 nearing $100 million. The health system will invest $91 million in capital expenses, but operating expenses will bring the total to $97 million over the next 10 years. Erlanger was deciding between Epic and Cerner’s platform and ultimately chose Epic because the bid was less expensive, CFO Britt Tabor told Times Free Press .

WheatonFranciscan Healthcare: $54 million
In January 2015, Glendale, Wis.-based Wheaton Franciscan Healthcare announced plans to implement Epic across its hospitals. The system’s affiliated medical group and physician offices have been using Epic’s EHR since September 2012, but providers across the system can only view patient records and not input information. The implementation will create one central EHR platform across the system. Go-lives will begin January 2016. The system expects a return on investment after four years of using the platform.

Saint Francis Medical Center: $43 million
The hospital in Cape Girardeau, Mo. contracted with Epic in February 2015 and expects to go live in July 2016. Saint Francis plans to connect and exchange records with other hospitals in the St. Louis area also using Epic’s system, including SSM Health and Mercy Health.

Worth noting
A handful of other hospitals and health systems reported signing contracts with Epic this year but did not disclose the costs of the IT projects. Some of these organizations include Arlington Heights, Ill.-based Northwest Community Healthcare, SSM Health St. Mary’s Hospital-Audrain in Mexico, Mo. Oklahoma State University Center for Health Sciences in Tulsa, San Diego-based Scripps Health and St. Louis-based BJC HealthCare.

Editor’s note: An earlier version of this article identified Saint Francis Medical Center as being located in Dexter, Mo. We have updated the article to include the correct location, and we apologize for the error.

More articles on EHRs:

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30/09/2017

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Cloud Computing Options #insurance #software,insurance #agency #management #software,insurance #billing #software,insurance #agency


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“Cloud” Computing and Thin Client Solutions

As we find ourselves in an increasingly fast-paced and mobile world, our dependency on technology to provide real-time access to information increases as well. One of the most utilitarian advancements of technology towards this end has been the advent of thin client or ‘Cloud’ based computing systems.

In a nutshell: A thin client solution allows a computing device (PC, IPad, IPhone, Android device – aka the ‘client’) to ‘dial in’ to the desktop of another computer (aka the ‘server’). The user can then pass keystrokes and mouse clicks to the desktop of that computer, and receive screen shots of what the resulting screen looks like on the other computer (server) to their local computing device (client). It is called ‘thin’ client because you wind up passing very little data over the internet, just screen shots, mouse clicks and keyboard clicks.

The term ‘Cloud Computing’ appeared around 2006, and encapsulates the notion of thin client computing with the ability to securely store your data ‘somewhere else’. There are a variety of solutions available to your agency that provide thin client access to your local software, and provide automated methods to back up your local data to a secure, offsite location.

Remote Desktop (aka Terminal Services) is probably the best solution thin client solution for multiple remote users to access your local data for long periods of time. It is also the most expensive requiring the services of a local hardware technician, a Server operating system (Windows Server 2003, 2008, etc. which can cost $800 or more), and Remote Desktop licenses – which run about $80-$100 apiece (although you typically get one license for free). The advantages of using Remote Desktop to dial into a Server based operating system are that it is more secure, less prone to data corruption, and does not require a separate computer for each person logging in.

There are less expensive (even free) solutions for people that need to occasionally dial in to the home office, or dial in one at a time. These solutions all require that there is a separate computer at the home office, for each person dialing in. Some of these solutions can be found at: Logmein.com. GotoMyPC.com. Join.me. and TeamViewer.com. Each product has advantages and disadvantages regarding ease of use, reliability, supported client devices, and features; and there are several factors such as how printing and file transfers are handled between the ‘Free’ and ‘Pro’ versions of each software that must be taken into account. If you are considering one of these less expensive thin client solutions, it might be money well spent to hire a tech for an hour or so to help you sort out your options.

Another aspect to Cloud Based computing is the ability to securely backup your data by copying your files over the internet to a secure facility offsite, thus limiting your liability if your local location burns down, or is involved in a natural disaster. Some companies that offer offsite backup solutions for a small fee are Mozy.com. and Dropbox.com. With a little help from a local tech – you can quickly set one of these programs up, and then have peace of mind that your data is stored securely ‘somewhere else’. Just make sure that your tech sets the program up to send the files over the internet at night, otherwise you will see your daytime internet speeds drop dramatically.

Of course Agency Software, Inc. offers turnkey hosting solutions as well. If you’d rather not worry about configuring your Remote Desktop solution, or making sure your data is securily backed up, we recommend the services of EME Cloud For about $30 per user / per month, DJ and his staff will web-enable your Agency Software applications for use on nearly any device, from nearly anywhere in the world. If you have questions, please fee free to give us a call at (800)342-7327 to discuss your Cloud Computing needs.


30/09/2017

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Fresh Finance Group offer Best Deal Remortgages, Mortgages, Cheap remortgage quotes


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Fresh Finance Group give REAL financial advice that’s regulated, we are not a price Comparisonsite!

Fresh Finance Group are able to provide you with an easy no obligation service to help you reassess your financial needs such as your mortgage protection arrangements. All you need to do is to enter your details on the form to the right and then submit it to us so that one of our experienced advisers can talk to you about your needs.

We are an established name in the financial sector with an ever-expanding portfolio of products designed to bring benefits to people who already own a home. Fresh Finance Group has an innovative approach centered on the needs of all our clients. Our emphasis is on customer care and saving money.

Lets not forget our aim is to work as hard as possible to ensure you get the most suitable deal. This is probably the reason why so many of our clients recommend us.

So why not let us do the hard work for you?

It is so easy, simply complete and submit the form opposite and we will get you the most suitable remortgage deal.

Within seconds our system generates a call-back from one of our experienced Mortgage Centre Consultants where they will require a little more information to arrange a no obligation consultation.

Maybe these facts may help you to decide.

Most of us could save £££’s each and every month by switching our mortgages.

It’s amazing how many of us will go miles out of our way to save a pound on the weekly shopping or a few pence on a tank of petrol but tend to overlook the huge savings we might make with a lower rate remortgage. With mortgage repayments usually our biggest monthly outgoing, even a small percentage lower could mean that the savings really begin to add up! Just think about how much you could save!

Shopping around for the best UK remortgage can be very hard work.

Given all the time, effort and frustration that shopping around for a remortgage can involve it’s no wonder many of us don’t bother! With 1000’s of different offers available it’s really hard work to find the most suitable UK remortgage deal.

If you are unsure about the best solution for you and need some assistance then please contact us or fill out the form on the right hand side of the page and we will contact you.

We feel strongly that our clients should be treated fairly. With this in mind we ask every single one of our client’s to complete a survey about the service they receive.

We are proud to say that 95% of our clients rate our service as excellent. Considering we are currently dealing with in excess of 1.9 million of mortgage business per month this is something we are truly proud of.

– Remortgages
– New Mortgages
– Raising Capital
– Debt Consolidation


27/09/2017

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New BMW Cars #new #uk #bmw #cars,uk #bmw #cars,buy #new #uk


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New UK BMW

A Brief history of BMW

BMW can trace its history all the way back to 1913, when a Bavarian named Karl Rapp started an aircraft-engine shop in Munich named Rapp Motoren Werke. 1916 saw Rapp Motoren Werke securing a contract to supply a large number of V12 aero engines to Austro-Daimler, as a result, Rapp needed to find a backer to finance the companies expansion and the Bayerische Motoren Werke � BMW as we know it � was formed. Unfortunately BMW expanded too quickly and financial difficulties followed leading to Rapp resigning and Franz Josef Popp � a leading industrial tycoon � who laid the foundations for the BMW company that is known today.

For the next few years BMW concentrated on the manufacture of aircraft engines until in 1919 with the signing of the Treaty of Versailles restrictions were placed on German companies manufacturing parts for the aero industry, as a result, BMW diversified to manufacture components for the rail industry. 1923 saw BMW finally make their first move into the automotive industry with the introduction of the R32, a motorcycle that would go on to hold motorcycle world speed records throughout the 1930’s.

Buoyed by this success, BMW purchased a small car manufacturer (the Eisenach Vehicle Factory) in 1928 and by the 1930’s had begun production of sports and touring cars. The culmination was the BMW 328 roadster, a car that has been named one of 25 finalists for Car of the Century by a worldwide panel of automotive journalists.

The Second World War ending saw BMW’s main factories being dismantled by the allies and diversification was once again the name of the game, a brief foray into kitchen and garden equipment followed, with the introduction of a new motorcycle in 1948. The 1950’s saw a move back into the car market, although with no marked success, however with a change of direction that saw BMW concentrating on sports sedans and compact touring cars, the 1960’s saw a an increase in sales that meant BMW was beginning to compete with its rival Mercedes � Benz. Sales peaked in 1986, but with the collapse of the Berlin Wall a whole new marketplace opened up and BMW capitalised and as a result outsold Mercedes for the first time in 1992.

BMW are now regarded as one of the premium car manufacturers with a combination of outstanding engineering and a fantastic build quality the Bayerische Motoren Werke has come a long way since its humble beginnings all those years ago.


24/09/2017

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How to Transfer a Credit Card Balance – ABC News #credit,


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Yahoo!-ABC News Network | 2017 ABC News Internet Ventures. All rights reserved.

How to Transfer a Credit Card Balance

Here is what you need to know before and after a credit card balance transfer.

Credit card balance transfers can be an invaluable tool for managing credit card debt. This tactic allows cardholders to move their debt from a card with a high interest rate to one with a lower interest rate, or no interest charges at all.

While it’s not inherently complex to transfer a credit card balance, there are still several important things that cardholders need to be aware of before, during, and after.

Before You Transfer a Credit Card Balance

1. Make sure you keep up with all of your payments. This will allow you to maintain excellent credit and find a balance transfer offer with the best possible terms. The right card may be one you already have with a lower interest rate than the one you are using, or it may be a new card with a 0% APR promotional balance transfer offer. In fact, you may be able to get a promotional financing offer from one of your existing accounts, possibly in the form of a convenience check.

2. Understand all of the terms and conditions of the balance transfer. Know what the card’s credit limit is, its interest rate on balance transfers, and what the balance transfer fee will be. Balance transfer fees are typically 3 percent of the amount transferred, but not always. Chase Slate currently has the only 0 percent APR promotional balance transfer offer with no balance transfer fee, although others can have fees as high as 5 percent.

In the case of promotional financing offers, learn how long you have to complete a qualifying transfer, and the length of the promotional financing period. Typically, promotional balance transfer offers must be completed within 30 days to four months of the account opening, and can last from between six and 18 months. Keep in mind that even though the terms might not explicitly say so, banks will not allow balance transfers between their own accounts.

3. Make a plan. Come up with a sound financial plan for paying down your debt. otherwise your balance transfer is just another form of postponing your obligations.

Making the Transfer

Contact the bank that you are transferring the balance to and ask to perform a balance transfer. Be prepared to give the account information for the other card, and the total amount you want transferred.

After the Transfer

Continue to make at least the minimum payment required from the old credit card, and if you have paid your entire debt, make sure to get a statement from your bank. However, keep your old account open in order to maintain a low credit utilization ratio. which will help your credit score.

Most importantly, stick to the plan that you created to reduce your debt. Recognize that it probably will not be possible to take advantage of promotional financing offers over and over again.

By understanding some of the nuances of balance transfers, cardholders can use these offers to save as much money as possible on their credit card interest charges.

This work is the opinion of the columnist and in no way reflects the opinion of ABC News.


23/09/2017

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Emory Finance #international #traveler #luggage

#air travel booking
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Booking Air Travel

Emory’s three air travel providers offer you and your department many benefits:

1. Automatically feeds your trip itinerary into International SOS for traveler tracking

2. Offers choice of charging your airfare to your Corporate Card, personal card or

direct bills your airfare to your department (only for those who do not have a Corp Card)

3. Tracks your unused airline ticket credits for you to apply to your next trip

5. 5% discount (depending on fare purchased) on Korean Airlines

6. Centralizes travel data allowing Emory to negotiate even better airline discounts

Please note, if you are wanting to directly charge your airfare to an Emory Healthcare SmartKey (rather than Emory University SmartKey), then BCD Travel is your only option for direct billing to a Healthcare SmartKey.

If you are wanting to book travel for Emory guests, please be aware of the financial risk in doing so. If the guest cancels and a non-refundable ticket was purchased, Emory will not receive any refund or credits for the cancellation.

Is your trip a simple, single destination booking where no agent assistance is needed? If so, Tbiz Travel (formerly known as “Travelocity Business”) is what you should use. (Click on logo below for more details and to book online)

Is your trip a complex, multi-stop and/or multi-airline booking where agent assistance is needed? (Click on either logo below for more details)

Hang on! One more thing. Are you trying to book a flight on Southwest Airlines and the only place you can locate it is on Southwest.com? Then, you can go ahead and book directly with southwest.com and still be eligible for reimburement. Southwest does not publish all its fares and flights with other agencies so this purchase is an exception to the mandate.





22/09/2017

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Christian Finance & Financial Help for individuals & Christian Business in


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Tax Relief – Tax Debt Relief
Tax Lien – IRS Garnishment
IRS Levy – IRS Problems Solved
A Christian Owned and Operated
Tax Relief Website
For the Christian Community

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  • A Christian Video Production:for your church, Ministry, singing group, band, ministry or Christian business. Our Video production staff can make a custom promotion Video for you. A 2 minute promo video for just $99.95 from LiL’ Screen Productions.
  • Brock Tax Relief :IRS Offer In Compromise experts. Former IRS agent. Tax lien relief, IRS Levy relief. Trusted representation, low cost.
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21/09/2017

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FIN370 Finance For Business Course – University of Phoenix #fin370 #finance


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Finance For Business

This course introduces the student to the essential elements of finance for business. Emphasis is placed on financial management, financial markets, and the tools, techniques, and methodologies used in making financial decisions. Topics include: financial statement analysis, time value of money, financial markets and institutions, risk and return, financial planning, and international finance.

Course details:

Duration: 5 weeks

topic title goes here

Finance, Cash Flow, and Financial Statement Analysis

  • Define finance, financial management, goal of the firm and agency theory.
  • Distinguish between the four basic financial statements; income statement, balance sheet, statement of stockholder’s equity and cash flow statement.
  • Explain cash flow from assets and cash flow to creditors and stockholders.
  • Distinguish between the various financial ratios used in financial statement analysis.
  • Examine financial planning and the percentage of sales approach in creating proforma financial statements.

Risk and Return, Cost of Capital, and Dividend Policy

  • Explain the concepts of diversification and Beta.
  • Calculate the weighted average cost of capital.
  • Evaluate dividend policy and the effect on corporate growth and cash flow.
  • Summarize systematic and nonsystematic risk.

Working Capital Management, International Finance, and Mergers and Acquisitions

  • Explain the operating and cash cycles for a firm.
  • Describe the credit policy of the firm and its effect on operations.
  • Assess the risks of international expansion and how to mitigate those risks.
  • Apply the basic concepts of mergers and acquisitions.

Time Value of Money, Bond Valuation, and Stock Valuation

  • Identify time value of money (TVM) concepts and their applicability to corporate financial analysis.
  • Apply the five time value of money (TVM) inputs: Present Value, Future Value, Rate, Number of Periods, and Payment.
  • Calculate the price and yield of a corporate bond using time value of money (TVM) inputs.
  • Determine the value of common stocks using the dividend discount model.

Capital Budgeting, Project Cash Flows, and Firm Leverage

  • Calculate net present value, payback, internal rate of return, and the profitability index.
  • Explain capital investment decisions and corporate cash flow.
  • Illustrate capital budgeting including project cash flows and net present value.
  • Describe break even analysis, financial leverage and operating leverage.

Tuition for individual courses varies. For more information, please call or chat live with an Enrollment Representative.

Please ask about these special rates:

Teacher Rate: For some courses, special tuition rates are available for current, certified P-12 teachers and administrators. Please speak with an Enrollment Representative today for more details.

Military Rate: For some courses, special tuition rates are available for active duty military members and their spouses. Please speak with an Enrollment Representative today for more details.


08/09/2017

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Healthcare Finance News #finance #and #business #management


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June 28 The utility of robust data analytics is the ability to answer: Why are trends happening, and what can I do about it? This insight can guide important decisions, such as which patient interventions will have the greatest impact on outcomes and costs.

June 28 With the right data and a proven strategy, transitioning to value-based payments doesn’t need to be difficult. These strategies help you make decisions that promote efficient, quality care that can reduce costs and improve market competitiveness.

June 28 The utility of robust data analytics is the ability to answer: Why are trends happening, and what can I do about it? This insight can guide important decisions, such as which patient interventions will have the greatest impact on outcomes and costs.

June 28 With the right data and a proven strategy, transitioning to value-based payments doesn’t need to be difficult. These strategies help you make decisions that promote efficient, quality care that can reduce costs and improve market competitiveness.

June 21 Supply chain management has always been a key challenge for pharmaceutical companies and their trading partners. Instances of drug counterfeiting, cargo thefts, in-transit damages due to environmental conditions etc. highlight the need for security and track and trace in pharma logistics. Supply chain exceptions like recalls, resalable returns and impending compliance mandates like DSCSA make pharma supply chain visibility an absolute must.

July 14 Are there changes from the first year? What is in year two? What else do you need to know? These questions along with many others will be answered during this webinar in which HIMSS experts offer an overview with this new proposed rule.

June 21 Supply chain management has always been a key challenge for pharmaceutical companies and their trading partners. Instances of drug counterfeiting, cargo thefts, in-transit damages due to environmental conditions etc. highlight the need for security and track and trace in pharma logistics. Supply chain exceptions like recalls, resalable returns and impending compliance mandates like DSCSA make pharma supply chain visibility an absolute must.

July 14 Are there changes from the first year? What is in year two? What else do you need to know? These questions along with many others will be answered during this webinar in which HIMSS experts offer an overview with this new proposed rule.


06/09/2017

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The C #c #n #n #finance


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Details Monday, 02 December 2013 Thursday, 12 December 2013 Monday, 02 December 2013 By Administrator

The C.H.A.I.N. Fund, Inc. stands for Compassionate Hands Assisting Interim Needs. It’s a certified non profit organization that raises funds to assist cancer patients with household expenses: mortgages, rents, utilities, prescription co-pays and more. Many cancer patients find themselves unable to work while undergoing treatment. When this happens, who will pay the bills that matter the most to them and their families that depend on them? In many cases, The C.H.A.I.N. Fund will! We host fundraisers to assist them with financial assistance. Your attendance at this event will enable us to help more cancer patients in need.

ALL PROCEEDS BENEFIT CANCER PATIENTS!
THE C.H.A.I.N. FUND, INC. IS A NON PROFIT ORGANIZATION

Details Saturday, 16 February 2013 Wednesday, 24 September 2014 Saturday, 16 February 2013 By Administrator

Giving is always easier than receiving. It is not easy to ask for help, especially when you are sick. The C.H.A.I.N. Fund wants to help you. We pay the bills that matter the most! Mortgages, Rents, Utilities, and Prescription co-pays. To determine if you qualify for Interim financial assistance, please read our application process carefully.

Details Saturday, 16 February 2013 Wednesday, 24 September 2014 Saturday, 16 February 2013 By Administrator

Kelly Turner Cole, after 20 years of service recently retired in January 2012 as a Police Officer for the City of New Haven, CT. “I was pretty healthy, and I had no reason to suspect something as dreadful as Cancer to invade my body. No family history of cancer, yet I was diagnosed


05/09/2017

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And You Thought QE Was Over: The Fed Will Monetize Half


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And You Thought QE Was Over: The Fed Will Monetize Half Of This Year s U.S. Treasury Issuance

The Fed may have officially tapered QE at the end of 2014 but that doesn’t mean it is done buying Treasuries: since the Fed never ended rolling over maturing paper, it means that it will remain indefinitely active in the open market. And while there were no sizable maturities from the Fed’s various QEs to date (only $474 million in 2014 and $3.5 billion in 2015) that will change dramatically this year, when Brian Sack’s team will have to purchase about $216 billion to replace matured TSYs. According to JPM calculations, this represents half the net new government debt that will be issued over the next 12 months.

The amounts rise from there: $194 billion comes due in 2017, about $373 billion in 2018 and $329 billion in 2019 for a grand total of $1.1 trillion over the next four years as shown in the following Bloomberg chart:

The Fed’s intervention in the Treasury market is well known: here is a brief Bloomberg summary of where we’ve been and where we are going:

The Fed is the biggest holder of the government’s debt. Its $2.5 trillion hoard, amassed in a bid to support the economy after the financial crisis, is more of a focus for some investors than the trajectory of interest rates. From this month through 2019, about $1.1 trillion of Treasuries in the portfolio are set to mature.

Even though the Fed’s holdings of Treasurys won’t rise and remain flat at about $2.5 trillion, the Fed’s reinvestment mandate means a return to active POMO which also means that there will remain a backstop net buyer for 1 of every 2 bonds issued by the US government.

Clearly this is bullish for bond bulls (one can stop wondering why year after year Goldman is so bearish on TSYs every year with its 3.00% yield target and is so eager to buy everything its clients have to sell) for whom “the Fed’s signals that it will roll over the obligations have been another reason to doubt the consensus forecast that yields will rise in 2016. If officials had chosen to stop funneling that money into new debt, the government would likely have to boost borrowing in the market by roughly an equivalent amount this year, potentially pushing up Treasury yields.”

Hypotheticals aside, the Fed’s indirect monetization of debt has led to the Fed being the owner of about 30% of all 10-Year equivalents currently, further leading to dramatic notional scarcities among CUSIPs that were most actively purchased by the open markets desk, usually in the form of Off The Run paper, which meant that the Fed has far less On The Turn to lend to Treasury shorts in repo, leading to major “special” prints in the repo market manifesting by near-fail, or -3.00%, levels when one wishes to borrow any given Treasury.

However, as Bloomberg explains, as the Fed will rolls over maturing Treasuries, it will add new On The Run issues to its balance sheet. Since Operation Twist, the Fed has had less of those sought-after securities to lend out in a daily program it has to ease shortages in the market. As a result, these Treasuries have frequently commanded a premium in the repo market — leading more trades to go uncompleted, or ‘fail,’ in bond parlance.

If the Fed’s stock of those Treasuries grows, the central bank should be better able to alleviate the shortages through its SOMA Securities Lending program, said Joseph Abate, a money-market strategist in New York at Barclays Plc, a primary dealer.

It will become “easier for people to access the securities they need to cover any shorts in the on-the-runs and, correspondingly, the level of fails should fall,” Abate said. “The more difficult it is to cover a short, the less liquidity there is in the market.”

Dealers say bond trading has become more difficult as regulator-imposed risk limits make it costlier for banks to transact in all types of debt. While Treasuries remain one of the most liquid global markets, failing trades rose this month to about 2.5 percent of average daily volume, from about 1 percent before Twist, according to Barclays. The dollar amount of uncompleted Treasuries trades reached the highest since 2011 last month, Fed data show.

The topic of soaring repo “fails” was covered recently. and is shown in the chart below: a direct function of the Fed’s encroachment in the open market.

Then there is the question of remitting interest payments back to the Treasury, about as close to directly funding the US government as it gets (with the exception of course of the Fed directly paying $19 billion to fund the Highway Bill: that was undisputed direct funding of the US government by the banks that make up the Federal Reserve system). According to Bloomberg, if the Fed had opted not to reinvest this year, the Treasury would have had to make up for the lost funding with additional debt sales that might have boosted 10-year yields by 0.08-0.12 percentage point, according to Priya Misra at TD Securities LLC.

One wonders just how much more debt the Treasury will have to issue and how much higher yields will go up by if the Fed ever does unwind its balance sheet?

It also leads to another question: why did the Fed decide to begin the “normalization” process by hiking rates first instead of first removing the truly unorthodox support for asset classes, namely unwinding its balance sheet, or at least stopping the reinvestment of maturing bonds. The answer: because the Fed’s rate hike is a farce, further compounded by the fact that the Fed Funds rate on December 31, the only day it actually matters for bank balance sheet purposes, was well below the Fed’s 25bps floor.

But that’s a topic for another post.

For now, we leave it to Mark MacQueen, co-founder of Sage Advisory Services Ltd. which manages $12 billion in Austin, Texas, to explain precisely why those who are long assets could care less about nominal rate hikes but are terrified of the Fed’s actual balance sheet unwind: “The Fed tightening gave us little worry, but the unwind of the balance sheet gives us major worries. The Fed is keenly aware that the balance sheet has a much greater impact on the overall yield levels in the markets going forward than raising rates .”

And there’s your answer why the Fed is hiking instead of winding down its gargantuan $4.5 trillion balance sheet: it might actually achieve the intended effect.

inflation WILL not cure this. No way. When you add up gov. debt. company debt, personal debt and the GREED of the “62”. no inflation will take to sanity. We are playing for all the poker chips on the table. and sitting with crooks and cheaters who have no intention of honouring any loss (bail-in). Who stack the deck and deal from the bottom,

Systemic greed that has been concentrated slowly. Far beyond some treasury bill sale or Libor rigging.

+1 NA. Everyone with an ounce of sense and financial acumen knows this and it makes them very nervous. unlike the unwoken sheep, who are blissfully unaware and preoccupied with i-thingys.

Waddya mean it’s gone.

The only reason the dollar isn’t falling versus other currency is because the other central banks are monetizing double time too.


03/09/2017

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Business Management Courses – LONDON CORPORATE TRAINING #structured #finance #training


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Business Management Courses

LCT specialises in short business management courses between three days and three weeks in length. At LCT, our primary objective is to help develop the skills of delegates to enable them to tackle existing challenges and grow within their organisation. Our training courses cover virtually all aspects of management, including Strategic Management, People Management (see the Management Skills section), Operations Management, Finance, Human Resources, Public Relations, Sales and Secretarial skills. We also specialise in technical and non-technical Oil and Gas training. Our courses have been designed to provide the very best training for staff of all levels from junior personnel, to senior managers, to directors of organisations. Courses are delivered in London (UK) and overseas.

  • Advanced Management
  • Law
  • Oil Gas
  • Management Skills
  • Operations Management
  • Finance
  • Human Resources
  • Public Relations
  • Sales
  • Secretarial Skills

LCTs understanding of different cultures really made us feel at home during the training. The catered lunches, which included halal dishes from the Middle East, were particularly enjoyable. We were also pleased to find out that LCT has a Prayer Room for delegates. I would like to thank you all so much. I will certainly recommend LCT to others.

HR Specialist
Saudi Food and Drugs Authority (SFDA)


31/08/2017

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Indonesia Finance Today – How To Get Cheap Flights #travel #japan

#how to get the cheapest airline tickets
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How To Get Cheap Flights

Wouldn’t it be amazing if you can travel in every two or three months? No matter where, both international and domestic trip, traveling is always a great way to release the tense and stress you get from work. There are a lot of things to consider when traveling, from getting in and getting around to sleeping. First and foremost: flight tickets! Oh the places you want to go, don’t let expensive flights stop you from going! Here are a few tips to book some cheap flights:

1. Use a Travel Booking Sites

There are many sites that offer tickets booking . but Traveloka offers you the #HonestPrice, the first price you see is the price you’ll pay. Traveloka doesn’t just provide you with cheap flights but also cheap hotel deals. The flight and hotel combo will ease your travel booking and save you a lot of time!

2. Check TheCheap Flights Often

Airlines changes their fare constantly, different days and time can give you different deals. Timing is the most important thing here; if you check the fares often enough you will be able to read when the price is low. Please also noted that, airlines company tracks your IP address when you open their sites, the more often you visit them the higher the price they set. One solution for this is using the “Incognito window” feature on your browser (such as Google Chrome).

3. Again, Timing is Everything!

Study says the best time to buy a flight ticket is somewhere between 3 weeks to 3 months in advance. There is of course no such guarantee, but it is always worth a try.

4. Choose the Right Time to Go

There is a best time for everything, try to go in January when it’s no longer peak season. This won’t just save your money but also give you a peaceful mind with less people-packed holiday. Choosing to go on holiday in low season also gives you a more wallet-friendly price of everything from accommodations to tourist attractions.

5. Don’t Fly on The Weekend

For regular company workers, sometimes a weekend is all you can get. However, if you ever get the chance, try to fly at the start of the week like Monday or Wednesday. A lot of people will try go back to work on those days, technically, getting in when everyone else is getting out will knock down your ticket price by a lot.

6. Using Different Airlines To Go and Back

A little more efforts by using different air carriers can save you a lot of money even up to IDR 500.000!

7. Leave from Neighboring Country

Singapore is known as a transit hub for a lot of international flights, if you think the price is still too high to fly from your home country, lucky you Singapore is just one step away. The money you save by flying to Singapore then buy cheap flights to your destination country sometimes can be quite a lot like a few hundred thousand rupiahs. (Adv)





27/08/2017

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American Express Company Savings Plan #401k, #401k #plan, #ira, #mutual #funds,


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11/08/2017

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Worst kind of company: Alarm in Britain over Macquarie Bank s


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‘Worst kind of company’: Alarm in Britain over Macquarie Bank’s proposed takeover of UK’s Green Investment Bank

Banks admit breaking cartel laws

London: A bipartisan coalition of former and serving British MPs has raised alarm about Macquarie Bank buying up the UK’s Green Investment Bank, with the former business secretary saying the Australian investment bank is the “worst kind of company” to be acquiring the £2 billion ($3.4 billion) fund.

MPs expressed fears that Macquarie Bank, known in Australia as the “millionaires factory”, would acquire the Green Investment Bank (GIB) only to strip it of its most profitable parts, abandoning its environmental purpose. Initially Parliamentarians had feared that if owned privately the Green Bank would expand beyond its remit. But sources said that with Macquarie Bank as the likely owner, the fear is now that the Green Bank will be chopped up and sold off according to its financing arrangements, a practice known as “asset stripping” which would trigger a flight of staff and destroy the Bank’s ability to carry out it’s green mission.

The British government had been expected to announce by the end of 2016 who would purchase the GIB, which the tory government, under the leadership of the then Prime Minister David Cameron announced would be privatised in June 2015. The formal sell-off process began in March and Australia’s Macquarie Bank is poised to be announced as the winning bidder. Bloomberg on Wednesday, citing a source familiar with the process, reported the UK government is set to agree to a deal to sell the GIB to Macquarie Group in early January .

But that prospect has alarmed some MPs who say Macquarie Bank’s past behaviour disqualified it to look after the green bank.

The former Tory minister for energy and climate change Gregory Barker who helped create the Bank has called for an urgent halt to the privatisation process.

“Am increasingly alarmed that sale of #GIB will now see it broken up so much it threatens its future as enduring institution,” he wrote on Twitter.

Am increasingly alarmed that sale of #GIB will now see it broken up so much it threatens its future as enduring institution #slamonthebrakes

In 2013, Britain’s influential Sunday Times published an article calling Macquarie Bank “the vampire kangaroo” over the Macquarie-led consortium’s management of Thames Water which it acquired in 2006 .

The former Liberal Democrat MP Simon Hughes told the paper that under Macquarie “Thames has paid out large dividends, run down its capital [and] not paid taxes.”

Sir Vince Cable promoting solar panels. Photo: Supplied

Former Liberal Democrat MP and secretary of state for business Sir Vince Cable echoed this, telling Fairfax Media the Australian investment bank was “notorious for pursuing short-term profitability at the expense of long-term sustainability”.

This is the worst kind of company to be entrusting maintaining the integrity and green mission of the bank.

Britain’s Former Secretary of State for Business Vince Cable

“This is the worst kind of company to be entrusting maintaining the integrity and green mission of the bank,” he said.

Sir Vince said while he opposed the privatisation of the bank, he would prefer a different company to Macquarie if the sale had to go ahead.

“A company whose track record is better aligned with the objectives of the bank,” he said.

He also proposed a “golden share arrangement” where the UK government would be able to force Macquarie to uphold the Bank’s green mission.

“But if it did so I suspect that Macquarie would no longer be interested,” he said.

Sir Vince said he believed the Tory government was having second thoughts about offloading the bank to Macquarie, fearing “reputational damage”.

The Labour MP and opposition spokesman for business, energy and industrial strategy, Clive Lewis, also backed a golden share arrangement “to ensure beyond any doubt that the bank will be retained as a single institution … even if it causes Macquarie to pull out of the deal.”

“If it’s broken up, sold off and its green commitments forgotten, not only will the taxpayer lose the healthy returns the GIB has been providing, but the UK risks breaching international and domestic climate targets,” he said.

And the first Greens MP elected to Britain’s parliament, Caroline Lucas, said Macquarie Bank had a track record of supporting “climate-wrecking projects”.

“The government’s preferred bidders, Macquarie, are an Australian-based bank funding fossil fuel extraction projects across the world. From open-cast coal mines in China to fracking here in the UK, Macquarie has a track record of [supporting] climate-wrecking projects.”

Macquarie Bank declined to comment. Photo: Grant Turner

Fairfax Media approached Maquarie Bank in London for a response to the MPs concerns but the bank said it would not be commenting.

The UK’s Green Investment Bank began investing in green energy and infrastructure projects in 2012, making it the first green bank in the world at the time.

Australia’s Clean Energy Finance Corporation, established by the former Labor Gillard government in 2012, mimics the bank.

Wind farms are a form of renewable energy and the green economy. Photo: Vestas Wind Systems A/S

Both banks take a commercial approach to financing clean energy projects which would otherwise struggle to find private sector funding.

The CEFC said in July this year that since its inception in 2013 it has invested $2.3 billion in projects with a total value of $6.6 billion.

The GIB says it has funded £2.7 billion worth of a total £11.1 billion worth of transactions in the green economy. In 2015 it began turning a profit.

Latika Bourke

06/08/2017

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How to get cheap flights – Yahoo Finance UK #travel #games

#how to get a cheap flight
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Related Content

The next time you’re sitting on an aeroplane, take a look at the people sitting next to you.

The chances are they paid a different amount for their seats, even though you’re in the same cabin class and obviously heading to the same destination.

Fly on the right day

Brits on holiday are predictable creatures. We like to fly at the end of the working week or weekend, making Friday and Sunday two of the most expensive days to book flights, according to the website CheapFlights.co.uk.

Analysis from that website shows that the cheapest days to fly are Tuesday, Wednesday and Saturday. So if you can be flexible about when you leave, you have a better chance of snapping up the lowest-priced seats.

Likewise, flying out at an unpopular time (think very early in the morning or after dinner) can also reduce demand for the cheapest seats, giving you a better chance of snapping them up.

Timing is critical

It’s a widespread belief that booking a flight at the last minute will allow you to snap up a cheap, unsold seat. And that can be true, as long as you’re not remotely fussy about where you’re going or what kind of time you fly at.

Most of us like a little more certainty in our holiday destinations, so when is the best time to book? It’s counter-intuitive, but most experts suggest not booking too early. If you buy your ticket six months or more in advance then the airline doesn’t have time to assess demand and won’t necessarily be offering its cheapest seats.

CheapFlights.co.uk suggests booking 54 to 66 days in advance to get the cheapest deal.





05/08/2017

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How To Land A Finance Job With A Bachelor s Degree


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How to Land a Finance Job With a Bachelor s Degree

Finance is an extremely competitive profession, especially at the entry level. The desks of investment professionals are piled high with the resumes of students who have dreams of big money, nice cars and getting on the path to being Masters of the Universe by the time they are 30. Finance is also a cyclical job market. when the stock market is booming, finance jobs boom as well; but when returns dwindle, so do the job listings. And even when the market is flush with jobs, finding a good job is key. Follow these five tips to dramatically increase your chance of landing a finance job even before hitting graduation.

Tip No. 1 – Land an Internship

For entry-level positions, interviewers do not expect candidates to know much. Many companies have orientation and training programs that teach new recruits the specifics of what they need to know, but having background knowledge is still expected. An internship can help to fill in for the lack of full-time experience and is not as difficult to get as a real job. Internships do not generally require much, if any, prior knowledge. They will likely be based around grunt work. performing tasks that anyone can do, such as making copies. But they provide learning experiences, references, networking opportunities and something tangible to talk about in an interview. Doing several internships also provides a great display of work ethic, which is a sought-after quality in the finance industry.

Tip No. 2 – Start Early

If you start in the summer before your first year in college, you can have a total of four summer internships before senior year. Is it necessary to do that many? No, but why not? Many finance internships are paid, so there are no excuses. If you are going to get a summer job anyway, it is better to do something that will further your career instead of just flipping burgers. The same holds true when attending college in a metropolitan area. Instead of working part-time at the local clothing store during the school year, file papers for a local investment advisor .

Tip No. 3 – Diversify Your Experiences

Don’t do five internships for equity traders unless you’re 100% sure you want to trade for a living. Try to switch it up a little and land internships around the industry. This will help you gain a better perspective in different areas and help you figure out what you really want to do. If you want to research bonds. an interviewer is likely to ask why. If you had an internship in fixed income and another in equities. you can give a more eloquent answer than: “I just like bonds.” Also, the different branches of finance are generally interconnected. Portfolio management makes use of trading and research, for example. Knowing a little about how the different sectors of finance work can give you an edge in the job market.

Finally, work hard at any internship you land. The references can be valuable no matter what, but more importantly, impressing your bosses during an internship can be a great way to open doors for a future full-time job with that company. Many of the summer analyst /internship programs at big banks are created to look for entry-level hires for the next year.

Tip No. 4 – Learn to Talk the Talk

To get a job in finance, you should ideally pick a business-oriented major like finance or economics. Many companies say that this does not matter, and it is very common to hear: “We hire all majors – we even have art history majors working at XYZ Company.” All is not lost for the art history majors, but it is still certainly better to apply for finance jobs with a finance degree.

Another great way to learn is to make reading financial news part of your regular routine. Pick up a subscription to The Wall Street Journal and/or the Financial Times and read it every day. As a student, you can normally get discounted subscriptions for these publications. Picking up a weekly magazine like The Economist or Barron’s will help expand your knowledge as well.

Immersing yourself in financial reading will help you get used to the terms and jargon of Wall Street, which is one of the biggest hurdles to cross. Do you know what MBS. CDS. BPS. EBITDA and federal discount rate mean? Regularly reading the financial news throughout college will help you pick up all the basics in due time. Even if you are studying this vocabulary in your courses, reading more about finance will help you to solidify that knowledge and feel more comfortable discussing it. Other ways of picking up financial knowledge are reading investing books, from basic to advanced topics, and reading tutorials and guides from financial websites (looks like you’re already on the right track there). Treat learning the financial language the same as learning a foreign language. Instead of ignoring words that you don’t understand, look those terms up to help broaden your knowledge.

Tip No. 5 – Start Your CFA

As stated earlier, the job market in finance is always very competitive. Many applicants will have high GPAs and degrees from good schools and will have done the things listed above. It is always good to go above and beyond to differentiate yourself from the pack. One way of doing this is to take the Chartered Financial Analyst (CFA) Level 1 exam. The CFA designation is well respected in the financial industry. You’ll need to pass three exams and have four years of eligible work experience to obtain the designation, but the first exam can be taken in the final year of a bachelor’s program, either in December or June.

Financial professionals know the amount of time and dedication that the program entails (a minimum of 250 hours of study is recommended per exam), so coming out of an undergraduate program having passed the first exam will certainly make you stand out among other job candidates. The commitment to the program will display your work ethic and dedication to finance.

The Bottom Line

In both good and bad times, it is difficult for undergraduates to land a good entry-level position. Your resume is going to get lumped in with hundreds of other candidates with strong credentials. The competitive nature of the finance job market means that focusing early, gaining experience with internships, and gaining knowledge from following the news and reading will help you stay at the front of the pack. Finally, doing something to break off from the pack, like entering the CFA program in your final year of college, can better your chances of landing a good job. Work hard and good luck!

A concept that refines an investment s return by measuring how much risk is involved in producing that return, which is generally.

A mutual fund s price per share or exchange-traded fund s (ETF) per-share value. In both cases, the per-share dollar amount.

A company s average payable period. Calculated as: ending accounts payable / (cost of sales/number of days).

An agreement between two parties (known as counterparties) where one stream of future interest payments is exchanged for.

An unsecured, short-term debt instrument issued by a corporation, typically for the financing of accounts receivable, inventories.

A form of short-term borrowing for dealers in government securities.


05/08/2017

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Emory Finance #gta #travel

#air travel booking
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Booking Air Travel

Emory’s three air travel providers offer you and your department many benefits:

1. Automatically feeds your trip itinerary into International SOS for traveler tracking

2. Offers choice of charging your airfare to your Corporate Card, personal card or

direct bills your airfare to your department (only for those who do not have a Corp Card)

3. Tracks your unused airline ticket credits for you to apply to your next trip

5. 5% discount (depending on fare purchased) on Korean Airlines

6. Centralizes travel data allowing Emory to negotiate even better airline discounts

Please note, if you are wanting to directly charge your airfare to an Emory Healthcare SmartKey (rather than Emory University SmartKey), then BCD Travel is your only option for direct billing to a Healthcare SmartKey.

If you are wanting to book travel for Emory guests, please be aware of the financial risk in doing so. If the guest cancels and a non-refundable ticket was purchased, Emory will not receive any refund or credits for the cancellation.

Is your trip a simple, single destination booking where no agent assistance is needed? If so, Tbiz Travel (formerly known as “Travelocity Business”) is what you should use. (Click on logo below for more details and to book online)

Is your trip a complex, multi-stop and/or multi-airline booking where agent assistance is needed? (Click on either logo below for more details)

Hang on! One more thing. Are you trying to book a flight on Southwest Airlines and the only place you can locate it is on Southwest.com? Then, you can go ahead and book directly with southwest.com and still be eligible for reimburement. Southwest does not publish all its fares and flights with other agencies so this purchase is an exception to the mandate.





04/08/2017

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Equipment finance that offers options to purchase, upgrade or replace your


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Loans for farmers

Rural Bank purchases the equipment and you buy it from us in instalments.

You own the equipment and Rural Bank provides a loan secured against the equipment.

Whether you choose a Finance Lease, Asset Purchase or Equipment Loan, our Equipment Finance options mean easier cash management and help you to:

  • Preserve working capital by giving you access to the assets your business needs without the capital outlay required to pay for them upfront;
  • Manage your cash flows with fixed rental/instalment payments;
  • Provide possible tax benefits where the equipment being financed is used to generate income; and
  • Have the option of starting a new contract with the latest equipment when your current contract ends.
  • Compare Equipment Finance options

How do I apply / find out more?

Related documents

Lending interest rates

We tailor our lending products to meet the repayment and cash flow requirements of your business. To find out more, arrange a meeting with one of our Relationship Managers .

Lending fees and charges

Information on fees and charges that may apply to Rural Bank accounts, loans and the use of payment products can be found in our Schedule of Fees and Charges (PDF) .

Information is subject to change. All applications for loans or credit are subject to normal lending criteria. Terms, conditions, fees and charges may apply and are available by phoning our Customer Service Centre on 1300 660 115, online. or by visiting your local branch. Products are issued by Rural Bank Limited.

Quick links


03/08/2017

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National Association of Equipment Leasing Brokers #equipment #lease #finance #association


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National Association of Equipment Leasing Brokers

The National Association of Equipment Leasing Brokers (NAELB) 2007 Annual Conference will be held May 17–19 at the Gaylord Opryland Resort in Nashville. There will be more than 50 exhibitors, 20 workshops and unlimited opportunities for networking. The theme is “The Sweet Sound of Success,” which is appropriate. In 2006, we set attendance records at our annual conference and two regional meetings. The staff processed a record 297 new memberships. At year-end 2006, with 875 members, NAELB is the largest equipment leasing association in the United States and continuing to grow.

New members come from all walks of life with varying education and professional backgrounds. As I talk with individuals interested in becoming lease brokers, some of the aspects that attract them to the industry are the minimal barriers of entry to becoming lease brokers, as well as the freedom and independence of having the choice to work from home. They all have doubts, questions and economic concerns. They ask the same questions about success and failure (which I tell them is not an option), as well as business sources and funding sources. My answers and recommendations never vary. I tell these individuals to visit the NAELB website (www.NAELB.org ); read the association’s mission statement; watch the Distance Learning presentation, “On Being A Broker” presented by Gerry Egan, an experienced lease broker and past president of NAELB; join NAELB; and no matter how much knowledge they have, there is always more to learn at our annual conference and regional meetings.

Background
NAELB is a volunteer organization formed by a small group of brokers from Atlanta more than 16 years ago. As of this writing, membership consists of 875 member companies of which 733 are brokers, 104 are funding sources and 38 are service providers. The mission statement of NAELB is to promote the interest of its members through education, advocacy, improved communication and programs designed to enhance the professionalism and profitability of brokers, funders and others engaged in the business of equipment lease financing.

All policies and decisions are made by the board of directors, which consists of eight broker members. There are more than 70 volunteers from all member categories serving on numerous committees and special task forces, each of which is important to the operation of the NAELB. The daily processing, administration, accounting and events planning are outsourced to a professional association management company.

Demographics
There are those that incorrectly perceive NAELB as an association for new or inexperienced lease brokers. On the contrary, of last year’s 251 new broker members, only 29% had no prior leasing experience. These statistics confirm NAELB attracts a healthy mixture of both new and experienced lease brokers searching for education, networking opportunities and member benefits only the association can provide.

Education
Education is the foundation of the NAELB. At this year’s conference, educational workshops are categorized into either sales or operations categories. The workshops are clearly marked as appropriate for beginners, intermediate or those with advanced leasing knowledge. Sessions applying towards CLP recertification are clearly noted as well.

New this year is the NAELB Broker 101 class. This is a four-hour interactive training session designed for new brokers. Presenters will cover topics such as setting up your office, generating business and funding transactions. This class is an excellent opportunity for the new broker to learn real-world applications from more experienced brokers.

NAELB is also the industry leader in Internet-based education. Our Distance Learning Program is a web-based education program, which can be viewed anytime via the association website. These diverse programs are good tools for both new and experienced employees. The first six modules are complete; three presented by Egan and three by Dave and Steve Allison. The Egan sessions are available now and the Allison sessions will be available in the coming months. Look for announcements in the mail and keep checking the website for those modules.

The quickest path for acquiring the skills necessary to be a successful lease broker is to learn from other successful lease brokers. This informal training, which we call networking, takes place at all NAELB functions. NAELB is known for being an open and caring association. You will feel the NAELB spirit at all NAELB events.

Ethics
When NAELB surveys our members, we ask them what they consider the most important benefit of joining. The NAELB Ethics program is always in the top three. Broker members want to associate with others that adhere to a strict standard of behavior. Our membership application and renewal forms require members to sign a statement that they will abide by the Code of Ethics. The Code of Ethics is posted on the public section of the website where it is accessible for anyone to view the policy and learn the procedure to file a complaint against an NAELB member.

At this year’s Annual Conference, NAELB will offer our first ever “Best Business Practices” examination. Correct answers will be based on the NAELB Code of Ethics. The exam fee is $100. Those interested can sign up when they register for the conference. Those that pass the exam will be given a license from NAELB to use the term “NAELB Best Practices Broker” on their letterhead, business cards, brochures and similar items. This member benefit will enable the broker to market themselves to their customers, vendors and funders as an NAELB Best Practices Broker.™

Technology
Technology is an important tool for the growth of NAELB. As with any forward-thinking organization, NAELB continually evaluates its technology needs. A special task force is currently reviewing evaluations and recommendations from consultants to improve our website. The task force has two goals: improve the branding of the association and create a more user-friendly, members-only section.

The public portion of the website is the association’s primary marketing tool to attract new members as well as promote all upcoming events. The finished product will be a professional user-friendly site.

The Members Only section is the processing center for the association. Event registrations and member applications are processed online. Members can update their profile, research for funding sources, lease documents and find other members. Special features include Leasing Logic, Distance Learning and the most popular feature, The Forum. The goal of the association is to help members utilize the website by making it easier to navigate.

The Future
Today, lenders are under pressure to meet volume requirements without sacrificing credit quality or margins. Lenders who have traditionally stayed away from broker business are turning to brokers to fill the volume gap. Other lenders who have historically avoided unfamiliar markets are now entering these markets because of the expertise of brokers.

As NAELB brokers develop, many have expanded into middle-market transactions. Consequently, middle-market lenders have recognized the value of brokers and are accepting transactions from qualified brokers.

Brokers are also under pressure to create new sources of revenue. Some brokers are redefining themselves and creating additional revenue streams by offering other financial services such as factoring, asset-based lending, commercial real estate mortgages, resource products and SBA loans, to name a few. Funders are readily available and willing to accept broker referrals. The future is indeed bright; 2007 will be another successful year for brokers!


02/08/2017

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MSc International Finance – Key Features #master #finance, #one #year #master


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MSc International
Finance

Key Features

The HEC Paris MSc in International Finance (MIF) program caters for highly-motivated top achieving graduates looking to succeed in a career in finance and consulting. The program has a strong analytical focus yet is accessible from either business and finance (business track) or economics, math, physics, engineering (accelerated track) backgrounds.

Flexible Curriculum

A ‘tailored-designed’ approach towards education is at the core when designing programs at HEC Paris. This is shown in at least two aspects of the HEC Paris MSc International Finance curriculum.

  • The courses taken during the first semester depend on your experience before joining HEC Paris. If you have already covered basic financial accounting, investment theory and corporate finance, you will start finance classes at advanced level (business track). If you have not done so, you will start at a more basic level with significantly more class hours at an accelerated pace to enable you to cover the same material by the end (accelerated track)
  • The second semester is comprised of more than 40 Concentration as well as free electives. Students must choose a concentration between Corporate Investment Financing Policy, Corporate Restructuring, Corporate Strategy, Financial Engineering, and Capital Markets. Then, they have access to more than 15 free electives.

Balance between theory and practice

The number of hours spent in the classroom by HEC MIF graduates significantly exceeds international standards. Around half of that time will be spent in front of world class researchers. imparting you state-of-the-art knowledge. The other half will be spent in front of top-level practitioners. The latter is one of the many ways in which the learning experience at HEC Paris differs to most and adds another dimension to teaching. We feel it is important to complement theoretical teaching by using top researchers and practitioners lectures to give our graduates that extra edge over graduates from other institutions. The more competitive the environment, the more important having that extra edge is.

Strong and cohesive peer group

Who your peers are matters: with regards to the quality of your learning experience, the perception of potential employers and for the value of your network after you graduate. This is why academic performance is at the top of our admissions criteria. However at HEC we look for more than just academic excellence: smart, ambitious individuals will underperform without adequate interaction. We put a strong emphasis on group interaction and encourage it in any way we can. For instance:

  • Honours are granted on the basis of absolute GPA and not class percentile to make sure that no HEC MIF student can benefit from the underperformance of one of his or her classmates
  • A study trip is organized in the 3rd week of the program with all HEC finance students participating and interacting in both professional and non-professional activities

Life Long Ties

At HEC Paris, we pride ourselves on the fact that ties built on campus between both professors and students continue after students graduate and become alumni. Our alumni get directly involved in guiding the new generation of HEC MIF students and to make sure they achieve the same success as past students. A few examples:

  • Career and job training workshops the first week of the program
  • More than 250 students take part in the formal networking event on the London study trip… and many more at the less formal Friday night HEC Finance pub crawl: a unique opportunity to gain privileged access to young professionals from bulge bracket banks!
  • Finance event organized the 4th week of September

International Diversity

With 29 different nationalities making up the class of 2016. the International Finance program is equally as enriching on a cultural level. Working alongside a diverse group of nationalities can be highly educational and rewarding and is a true highlight of the program for many. London is the main hub for HEC MIF graduates in terms of placements although we also have alumni working in Continental Europe, Asia, Americas, and the Middle East.

A World-renowned Program

QS World Grad School Tour – Washington DC

QS World Grad School Tour – New York

QS World Grad School Tour – Montreal

QS World Grad School Tour – Toronto

QS World Grad School Tour – Los Angeles


02/08/2017

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Here s an unexpected way to get rid of debt: pick


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Here’s an unexpected way to get rid of debt: pick up and move

Ken Ilgunas paid off $32,000 in student loans two and a half years after graduation starting with a $9-an-hour job.

With zero job offers in his chosen field of journalism, he instead moved from Wheatfield, New York, to Coldfoot, Alaska, a truck stop and tourist camp north of the Arctic Circle, so he could put every possible dollar toward his debt.

Every possible dollar, in this case, meant virtually every dollar. His job as cook, maintenance worker and tour guide provided room and board. What Coldfoot (population 10) didn’t provide was places to spend the little money he was making.

“I had literally no bills other than my student loan payments,” Ilgunas says. “I was able to send $18,000 toward my debt that first year.”

People who are passionate about paying off debt find plenty of ways to do it that go well beyond clipping coupons. turning down the air conditioner and consolidating their debts. Some free up money by tackling most households’ biggest expense: the cost of shelter.

After the tourist camp job, Ilgunas lived in a tent for a while as a ranger for the Gates of the Arctic National Park. He paid off his debt two and half years after his 2006 graduation.

“I wanted a really free and adventurous life, and I knew I couldn’t have that life with debt,” says Ilgunas, 33.

His experiments in rent-free living went so well that he moved into a van so he could attend graduate school without taking out more loans and then wrote a book about it, “Walden on Wheels.” Ilgunas, now a seasonal park ranger, lives in a house in Stokes County, North Carolina, “with electricity and Wi-Fi and everything.”

Why today’s young adults are growing up more slowly

The shifting economy means Americans are taking longer to reach traditional markers of independence — in the process changing how they define ad.

Moving outside the comfort zone

You can’t get cheaper than free. But when a relative offered Chicago residents Aja and Kelvin McClanahan a home he had inherited and didn’t want, they initially turned it down because it was in one of the city’s most dangerous neighborhoods, Englewood .

“If you looked at the statistics, Englewood was at the top. Extreme poverty, urban blight, homicides, teen pregnancy, tuberculosis, all of it,” says Aja McClanahan, 37.

The McClanahans had made progress in paying off $120,000 in student loans, medical bills, credit card debt and a car loan mostly while living rent-free in Aja’s mother’s home. They longed for their own place and hoped to avoid a mortgage. And Aja wanted to be a stay-at-home mom and home-school their two small children.

So they kept talking about the Englewood house. “We could be so much far ahead with retirement savings, with college savings” by moving into the house, Aja says. “We didn’t see another way to get as firm a financial footing.”

Plus, they had friends in the neighborhood: “hipster” types who had moved there for the cheap housing.

“People live here. They didn’t die,” Aja says she reassured herself.

In 2010, the family moved from the suburbs into the house with bullet holes in the back door. They spent the first night listening to sirens, barking dogs and their own doubts about their decision.

Seven years later, they’re still there and debt-free. The area hasn’t gentrified, but it has improved, Aja says. Kelvin’s job as a postal carrier supports the family comfortably, giving them time to travel and and volunteer at local schools and nonprofits.

“I feel like we have a high quality of life,” Aja says.

Moving to another country

The McClanahans may have felt like they moved to a different country, but Frank Thomae and his wife, Lissette, actually did and dramatically reduced their housing expenses.

In 2013, Frank was planning to travel full time after he lost his job as the chief financial officer for a Canadian importer. Lissette planned to work remotely as a marketing director. But then the couple were saddled with $46,000 in unexpected bills for expensive dental work, a bad business investment and remodeling overruns on their Montreal condo.

Watch elephants spray tourists during the Thai New Year festival

Elephants sprayed tourists during the Songkran water festival in Thailand’s ancient capital of Ayutthaya. Songkran marks the first day of the Tha.

Rather than putting off their travels, they relocated overseas. They rented out their condo for $1,850 a month while paying $500 monthly rent in Prague, Czech Republic, and then $300 in Nong Khai, Thailand.

“We saved more money than when we were at home,” Thomae says.

Two years after leaving Montreal, they were debt-free. They recently signed a one-year lease in Croatia. Eventually, they plan to find a more permanent home: It will be abroad.

“We’ve both just turned 50 and neither of us wants to go back to Canada or the U.S.,” Thomae says. “We always want to travel.”

This article was written by NerdWallet and was originally published by The Associated Press .

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01/08/2017

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The Best Canadian Credit Card With Travel Rewards #credit #cards,travel,travel #tips,personal


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The Best Canadian Credit Card With Travel Rewards

Is a weaker Canadian dollar clipping travellers’ wings? Would-be vacationers could find themselves paying 30 per cent more for their warm-weather getaways this year. As the Loonie hovers around US$0.75, three-quarters admit the weak currency has impacted their trip plans.

But cash-strapped travelers needn’t settle for a staycation, as a number of travel rewards credit cards can effectively offset travel costs.

However, using plastic to fund a vacation can be a point of confusion. While there are a number of fantastic travel offers available in today’s market, many Canadians aren’t aware of travel rewards best practices, and there continue to be misconceptions around the true value of rewards, and how to effectively earn and redeem them.

To help Canadians take flight faster, RateSupermarket.ca has revealed the Guide to Flying for Free – How to Cash in Travel Rewards Credit Card Points. The guide provides clarity on choosing the right card, and insight to the value offered by popular rewards programs.

How to Pick the Perfect Travel Rewards Credit Card

How Big is That Bonus. Really?

We’ve all seen the ads — sign up today and get 50,000 points! Seems like a really sweet deal — but how much is a point really worth? It depends on the card and the way you redeem. Here’s a breakdown of what the most popular points in Canada are worth* when cashed in for travel:

American Express Blue Sky Points
Each. $0.01
Points needed for $100 in travel. 10,000
Redemption – Great. Book any travel and apply points to your balance. A minimum 10,000 is required to redeem. Points are converted to statement credits of $100 each, which can then be applied to any travel purchase.
Blackouts or Restrictions. No

American Express Gold Rewards Points
Each. $0.01
Points needed for $100 in travel. 10,000
Redemption – Great. Book any travel and apply points to your balance. A minimum 10,000 is required to redeem. Points are converted to statement credits of $100 each, which can then be applied to any travel purchase.
Blackouts or Restrictions. No

BMO Rewards
Each. $0.01
Points needed for $100 in travel. 10,000
Redemption – Good. Travel must be booked through the BMO Rewards travel agency, either online or over the phone. You must have a minimum of 100 points to redeem. If you don’t have enough points to cover your trip, you can pay the remainder with your credit card.
Blackouts or Restrictions. No

Capital One reward miles
Each. $0.01 each
Points needed for $100 in travel. 10,000
Redemption – Great. Simply charge your travel expense to your card, then apply points to your balance. There is no point minimum required to redeem, and points can be used to pay taxes and other surcharges.
Blackouts or Restrictions. No

CIBC Aventura Points
Each. $0.03
Points needed for $100 in travel. approx. 3,300
Redemption – Ok. Travel must be searched for via the CIBC Aventura rewards portal, which includes all airlines. Flight types are classified as long haul, short haul, domestic and international, and require a minimum number of points to qualify per category. There is a maximum cap on the number of points you can redeem, and points cannot be used to pay for taxes and other surcharges.

Scotia Rewards Points
Each. $0.01 each
Points needs for $100 in travel. 10,000
Redemption – Great. Simply charge your travel expense to your card, then log into your Scotia Rewards account to apply points to your balance. There is no point minimum required to redeem, and points can be used to pay taxes and other surcharges.
Blackouts or Restrictions. No

RBC Rewards Points
Each. $0.023
Points needed for $100 in travel. approx. 4,300
Redemption – Ok. Redeem your points online via the RBC Orbitz portal, over the phone, or via Carlson Wagonlit Travel. Flight types are classified as long haul, short haul, domestic and international, and require a minimum number of points to qualify per category. There is a maximum cap on the number of points you can redeem, and points cannot be used to pay for taxes and other surcharges.

AIR MILES
Each. $0.15 each (varies based on flight redemption)
Points needs for $100 in travel. Approx. 667
Redemption – Ok. Flights must be booked via AIR MILES’ Dream Rewards Centre, which prices point requirements based on mileage. Redemption costs are higher during the high season, and AIR MILES cannot be used to pay for taxes and other surcharges.
Blackouts or Restrictions. No

Aeroplan Miles
Each. $0.23 each
Points needs for $100 in travel. approx. 4,300
Redemption – Ok. Travel must be booked by the Aeroplan rewards portal, and are restricted to Air Canada and other partner airlines. Point redemption is divided into two tiers: Fixed Mileage and Market Fare. Fixed Mileage Flight Rewards travel can be booked for fewer points, but are subjected to limited availability and seasonality.
Blackouts or Restrictions. Some seat restrictions

TD Rewards
Each. $0.005
Points needs for $100 in travel. 20,000
Redemption – Good. Book travel on any airline, or book through Expedia for TD, then log in in to your TD Rewards Account to pay with your points. Points can also be used to pay for taxes and additional surcharges.
Blackouts or Restrictions. No

*Based on value of signup bonus. Note values may vary depending on redemption method, flight seasonality and flight class).

Tips for Using a Travel Rewards Credit Card

Seek out the perfect plastic. There is a wide variety of travel rewards programs to choose from and each offers a different earning and redemption structure. It’s important to determine whether a card’s earning potential can be maximized based on your specific spending habits — for example, gas and grocery purchases, or earning on all spending.

Heed the fee.
Travel rewards cards are often packed with additional insurance, concierge and lounge benefits — and that means the majority charge an annual fee. Look for cards that waive this charge for a limited promotional period, and determine whether your annual earnings offset the fee amount. For those who are fee adverse, a non-fee card with a lower earning threshold can be a better fit.

Ask about redemption.
Those points won’t do much good if they’re grounded during your desired departure season. Seat capacity, seasonal, and minimum redemption restrictions are common pitfalls vacationers should be aware of. For the greatest flexibility, look for cards that allow points to be redeemed directly on travel purchases charged on the card.

Cover yourself.
Many travel cards come with built-in insurance benefits — but you shouldn’t assume you’re covered. At a bare minimum, ensure you have sufficient travel medical and accident insurance for yourself, spouse and any dependents travelling with you. Add-ons like trip interruption, delay and cancellation coverage can provide greater peace of mind on your journey.

* Preparing for Takeoff: Air travel outlook for 2016 – Expedia.ca

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31/07/2017

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List of Members and Associates #single #invoice #finance


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ABFA is committed to the representation and education of its Members that provide Factoring, Invoice Discounting and Asset Based Lending to UK and Irish businesses.

List of Members

As a trade association it is our duty to represent all Members equally; as such we will not recommend one Member above another.

ABN AMRO Commercial Finance is a leading cross border Asset Based Lender, operating in the UK, Netherlands, Germany and Belgium.

Asset Based Lending Export Factoring Import

Invoice Discounting Stock

UK: 07984 978601

Cashflow is the lifeblood of any business, and one of the main challenges facing many Irish and UK businesses is effectively managing their cashflow, regardless of size or industry. For over 22 years Allied Irish Bank, p.l.c. have been providing customers with a solution to this challenge through their confidential Invoice Discounting offering.

Export Invoice Discounting

UK: +44 7799 808388

IE: +353 1 641 2747(RoI) / +44 7715 423540 (NI)

If you’ve got ambitious plans for your business, then we’ve got the funds to make them happen. At Aldermore, we provide practical, flexible finance solutions designed to meet the needs of growing businesses.

Asset Based Lending Bad Debt Protection Factoring Invoice Discounting

Supplier Payments Import

UK: 0161 238 5000

Established by a proven management team with backing from majority shareholder Amicus Finance PLC, we provide a new and unique working capital facility for the owner managed business community called “Amicus Intelligent Cashflow”.

Asset Based Lending Bad Debt Protection Export Invoice Discounting

Single/Selective Debtor Stock

UK: 0203 750 5918

Since 1993, Ashley Finance has helped turn around all kinds of small businesses by saying “yes” more than anyone else (91% and growing). We look for the positives in each business, minus the negative judgement of traditional lenders. We find ways to make things work with personal service and ongoing support. As an independent lender, the lack of bureaucracy allows us to look at each case individually, on its own merit, and offer funding where others may sidestep. Backed by the Tavistock Group (www.tavistock.com), we have access to formidable financial firepower so you can be confident of our support, in good times and bad, now and into the future.

Asset Based Lending Bad Debt Protection Factoring Single/Selective Debtor

Stock Supplier Payments

UK: 0161 233 6373

Part of the Bank of Ireland Group, Commercial Finance has been offering a full range of cash-flow related finance solutions to suit small, medium and large corporate businesses for over 25 years.

Asset Based Lending Export Factoring Invoice Discounting

Stock Supplier Payments

UK: 02890 433228 / 07733 010300

IE: + 353 1 614 0300

Barclays Trade and Working Capital has over 250 product experts based across the UK & Ireland who understand the local economy and the challenges facing businesses.

Asset Based Lending Bad Debt Protection Export Factoring

Invoice Discounting Single/Selective Debtor Stock Supplier Payments

Bibby Financial Services the largest independent provider of cash flow finance globally, which provides EUR 2.2 billion funding to over 9,500 SMEs in 20 countries.

Asset Based Lending Bad Debt Protection Export Factoring

Import Invoice Discounting Single/Selective Debtor

UK: 0808 301 6014

IE: + 353 1 297 4911

Bibby is part of the Bibby Line Group, the largest independent provider of cash flow finance globally, which provides EUR 2.2 billion funding to over 9,500 SMEs in 20 countries. Bibby Line Group employs 6,500 people globally. Bibby provides a wide range of flexible funding solutions that help Irish businesses grow and expand.

Bad Debt Protection Export Factoring Import

Invoice Discounting Single/Selective Debtor

UK: 00 353 1 297 4911

Receivables finance and asset-based lending, acquisition finance and MBOs, multi-currency facilities, order/supplier finance and EDI facilities.

Asset Based Lending Bad Debt Protection Export Factoring

Import Invoice Discounting Single/Selective Debtor Stock

UK: 0845 693 1433

Capitalflow Commercial Finance is a new, institutionally backed independent Commercial Finance provider, and is now offering its services to SMEs across Ireland.

Asset Based Lending Export Factoring Invoice Discounting

Single/Selective Debtor Stock

IE: +353 1 5632400

Close Brothers are an award-winning independent provider of invoice finance and asset based lending, offering flexible funding solutions to support firms of all sizes across the UK and RoI. The group is underpinned by traditional values, including a responsible and ethical approach to lending.

Asset Based Lending Bad Debt Protection Export Factoring

Invoice Discounting Stock Supplier Payments

UK: 0808 149 8539

IE: 028 9099 5816(NI)/(01) 960 9553 (ROI)


26/07/2017

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Indonesia Finance Today – How To Get Cheap Flights #i #travel

#how to get the cheapest airline tickets
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How To Get Cheap Flights

Wouldn’t it be amazing if you can travel in every two or three months? No matter where, both international and domestic trip, traveling is always a great way to release the tense and stress you get from work. There are a lot of things to consider when traveling, from getting in and getting around to sleeping. First and foremost: flight tickets! Oh the places you want to go, don’t let expensive flights stop you from going! Here are a few tips to book some cheap flights:

1. Use a Travel Booking Sites

There are many sites that offer tickets booking . but Traveloka offers you the #HonestPrice, the first price you see is the price you’ll pay. Traveloka doesn’t just provide you with cheap flights but also cheap hotel deals. The flight and hotel combo will ease your travel booking and save you a lot of time!

2. Check TheCheap Flights Often

Airlines changes their fare constantly, different days and time can give you different deals. Timing is the most important thing here; if you check the fares often enough you will be able to read when the price is low. Please also noted that, airlines company tracks your IP address when you open their sites, the more often you visit them the higher the price they set. One solution for this is using the “Incognito window” feature on your browser (such as Google Chrome).

3. Again, Timing is Everything!

Study says the best time to buy a flight ticket is somewhere between 3 weeks to 3 months in advance. There is of course no such guarantee, but it is always worth a try.

4. Choose the Right Time to Go

There is a best time for everything, try to go in January when it’s no longer peak season. This won’t just save your money but also give you a peaceful mind with less people-packed holiday. Choosing to go on holiday in low season also gives you a more wallet-friendly price of everything from accommodations to tourist attractions.

5. Don’t Fly on The Weekend

For regular company workers, sometimes a weekend is all you can get. However, if you ever get the chance, try to fly at the start of the week like Monday or Wednesday. A lot of people will try go back to work on those days, technically, getting in when everyone else is getting out will knock down your ticket price by a lot.

6. Using Different Airlines To Go and Back

A little more efforts by using different air carriers can save you a lot of money even up to IDR 500.000!

7. Leave from Neighboring Country

Singapore is known as a transit hub for a lot of international flights, if you think the price is still too high to fly from your home country, lucky you Singapore is just one step away. The money you save by flying to Singapore then buy cheap flights to your destination country sometimes can be quite a lot like a few hundred thousand rupiahs. (Adv)





23/07/2017

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10 Tax Write-Offs You Aren – t Using to Your Advantage


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Mashable

10 Tax Write-Offs You Aren t Using to Your Advantage

You already know that you’re legally obligated to pay your taxes, but that doesn’t mean you should pay more than you owe.

Each year, American taxpayers leave money on the table by missing some key deductions. Run through these commonly overlooked write-offs to see if there are any you should be taking. It might just mean more money in your pocket this year.

1. Education

When it comes to education, you may be able to deduct up to $4,000 for tuition-related expenses for you, your spouse or a dependent. You also may be able to deduct up to $2,500 in interest paid on a student loan in 2013.

In addition to these deductions (which lower your overall taxable income), there are also two relevant credits that could save you thousands: the American Opportunity Tax Credit and Lifetime Learning Credit. IRS Pub 970 covers all the details.

2. The Job Hunt

If you were looking for a job in 2013, you may be able to deduct your job-search expenses — and that’s true whether or not you actually found a new job. Expenses can include employment agency fees, costs for printing and mailing resumes, advertising, and travel expenses for interviews.

But the caveats include:

Your job search must be for a position in the same line of work

You can’t deduct expenses if it’s your first job

These expenses are part of your “miscellaneous deductions,” which need to exceed 2% of your adjusted gross income to qualify

Refer to IRS Pub 529 for more details on all of this.

3. Home Ownership

If you bought or owned a home in 2013, you’re probably already aware that you can include your mortgage interest in your itemized deductions. But there are other tax deductions related to home ownership that can add up as well.

You can deduct what you pay in property taxes, interest paid on a home equity loan, any points you paid when you bought your home, premiums paid for Private Mortgage Insurance, and potentially any home improvements made for medical care.

4. Health Costs

Did you have a lot of medical and dental expenses last year? If your medical expenses exceeded 10% of your adjusted gross income for 2013, you can claim a deduction with your itemized deductions. Potential deductible expenses include preventative care, surgeries, doctor’s visits, fertility treatments, psychologist and psychiatrist visits, prescription medication, glasses, contact lenses and even the cost of travel for medical care.

Generally speaking, you cannot deduct non-prescription drugs, your health club dues or anything that was reimbursed by insurance. You also cannot include your health insurance premiums (although self-employed people can deduct their health insurance costs separately). IRS Publication 502 gives the details on itemizing medical expenses.

5. Charitable Donations

If you’re itemizing your deductions on Schedule A, any charitable donations can help lower your tax bill. This includes any cash donations you made throughout 2013 — don’t forget any text message donations (note: Your cell phone bill is a sufficient record as long as it shows who you sent money to, when and for how much).

If you cleaned out your closet and donated items (clothes, furniture, etc.) to Goodwill or another charity, you can deduct the value of these items. Get a receipt in case you’re audited. In addition, if you volunteer for a qualified organization, you can’t deduct the value of your time, but you can deduct travel expenses for getting there (14 cents per mile). Refer to IRS Pub 526 for more details on what can and can’t be deducted.

6. Moving for Your Job

If you landed a new job and moved in 2013, congratulations — your moving expenses may be deductible. And the good news is that you can take this write-off even if you don’t itemize your deductions. Check out IRS Pub 521 to see if you qualify.

In general, your new job location must be at least 50 miles away from your home (or 50 miles farther from your old home than your previous job was from your old home).

7. Energy Efficiency Upgrades

If you made your home more energy efficient last year, you may qualify for a tax credit. For example, you may be able to claim a credit of 10% of the cost for qualified energy efficient insulation, windows, doors and roof for your home, as well as 30% of the cost for installing alternative energy equipment in your home (such as solar hot water heaters or wind turbines).

These credits are both claimed on IRS Form 5695. In addition, for 2013, the purchase of plug-in hybrid-electric and electric vehicles may qualify for a tax credit.

8. Self-Employment Expenses

If you’re self-employed (whether it’s your full-time job or a part-time gig ), you’ve got a grab bag of deductions to pull from. You can deduct expenses from your home office (including pro-rated rent/mortgage, energy bill and insurance for that part of the house).

Don’t forget whichever conferences you attended in 2013, or the books, subscriptions, technology and office supplies you purchased to keep your business going. In addition, you can deduct your health insurance, as well as 50% of your self-employment tax. Visit the IRS’ self-employed tax center to learn more.

9. Children

If you welcomed a new baby in 2013, you are eligible for new tax deductions -– including another exemption (which represents a $3,900 deduction for 2013). Parents that meet certain income requirements can qualify for the Earned Income Tax Credit as well as the Child Tax Credit. You may also be able to claim the Child Care Tax Credit for qualified child care costs for any care provided so you could work or look for work.

10. Parents as Dependents

Most people know to claim children as dependents, but fewer are aware that if they cared for an elderly parent, that parent may qualify as a dependent. The same applies to other relatives such as uncles, aunts, grandparents, nieces, nephews, etc. (note that certain relatives do not have to live with you to be considered a dependent).

To claim a dependent on your tax return, you have to meet certain criteria, including that the dependent’s income can’t exceed $3,900 for 2013 and you need to have provided at least half the support for that person. Check out IRS Pub 501 for more details.

Keep in mind that this is all general information to put these valuable deductions on your radar. You’ll still need to research the relevant IRS documents or check with your tax advisor to make sure you qualify for a particular credit or deduction.


21/07/2017

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GASTRIC BYPASS SURGERY- Information on cost, expected weight loss and risk


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Gastric Bypass and Gastric Sleeve Diet

Immediately after your gastric bypass or gastric sleeve surgery, you won’t be able to eat for one to two days. After a couple of days, you will be able to eat some very specific foods according to a diet progression. The purpose of the gastric bypass diet progression is to help you in the healing process, minimize stress on surgical areas and allow time for your body to adjust to new eating patterns.

Common phases in the gastric bypass and gastric sleeve diet:

Phase I – Liquids – foods and fluids that are liquid or semi-liquid at room temperature and contain mostly water, such as broth, juice, milk, strained cream soup and cooked cereal. In most cases, you stay on a liquid diet for one to two days.

Phase II – Pureed foods – foods with a consistency of a smooth paste or a thick liquid. Pureed foods contain no distinct pieces. The pureed diet is generally followed for three to four weeks, or as recommended by your dietitian or doctor.

Phase III – Soft foods – foods that are tender and easy to chew, such as ground or finely diced meats, canned or soft, fresh fruit, and cooked vegetables. You usually eat soft foods for eight weeks before progressing to eating foods of regular consistency with firmer texture as recommended by your dietitian or doctor.

During the diet progression, you eat many small meals each day and sip liquids slowly throughout the day (but not at the same time you eat). You may start with six small meals a day, then progress to four meals and then finally, when following a regular diet, decrease to three meals a day. Typically, each meal will include protein-rich foods, such as lean meat, low-fat dairy products (yogurt, cheese) or eggs. Protein is important for maintaining and repairing your body after surgery.

How quickly you move from one step to the next depends on how fast your body adjusts to the change in eating patterns and the texture and consistency of food. People usually start eating regular foods with a firmer texture three months after surgery, but it can occur sooner.

You may drink anything that is clear and liquid at room temperature. Avoid caffeine and carbonated drinks.

  • Water with ice chips
  • Sugar free popsicles
  • Crystal Light
  • Decaf tea
  • Sugar Free Jell-O
  • Diet V8 Splash

Do not drink from straws or sports top bottles as this can cause air bubbles and may cause discomfort. Water may be difficult at first. Try adding lemon and adjusting the temperature. Please follow your doctors’ recommendations on how long to follow each diet.

  • Mashed potatoes
  • Bananas
  • Malt-O Meal
  • Scrambled Eggs
  • Baked Fish
  • Low Fat cottage cheese
  • Sugar free yogurt or pudding
  • Applesauce with no sugar added
  • Soft cooked vegetables
  • Avoid eating fats and sugar for the time being as these may be difficult for the body to digest in this stage.
  • Chew your food very well – eat slowly.
  • If you feel full – STOP EATING

  • Protein is needed by the body to build and repair the body’s cells and tissues.
  • Protein plays a vital role in immunity.
  • Choose lean meats such as:
  • Fish, shellfish, poultry, lean beef, lamb, pork, veal, and 95% fat free deli meat.
  • Avoid high fat cooking methods like frying with oil. void high fat meats such as bacon, sausage, pepperoni or salami.
  • A limited amount of fat is needed in the diet.
  • Fats can be found in baked goods (cakes, muffins, cookies), greasy or fried foods, oils and butter.
  • Fat may be difficult to digest after gastric bypass surgery.
  • Too much fat may cause reflux (heartburn).
  • Excess fat may cause diarrhea, nausea and discomfort.
  • Avoid high fat choices like regular salad dressing, butter, cream cheese and mayonnaise.
  • Choose low fat options such as fat free / low fat salad dressing, mayonnaise, nonstick cooking spray and olive oil.

  • Carbohydrates including grains and starches are the bodies main source of energy.
  • They provide energy, B Vitamins, Fiber, and Minerals
  • Complex carbohydrates provide nutrients and make you feel full.
  • Look for foods with whole grain or 100% wheat flour.
  • Examples of complex carbohydrates:
  • Wheat bread, low fat crackers, cereals with low sugar such as Special K, Cheerios, Raisin Bran, rice and pasta
  • VEGETABLES provide fiber, energy, Vitamin A and Vitamin C
  • Choose a variety of vegetables for your diet
  • Avoid using high fat cooking methods such as added butter or oil, or adding high fat sauces such as creams, cheese or gravy
  • Remember to incorporate vegetables back into your diet slowly and start with soft consistencies.
  • FRUIT provides complex carbohydrates, fiber, energy and Vitamin C.
  • Incorporate them into your daily routine; fruit makes great snacks.
  • Choose a variety of fruits
  • Remember to incorporate fruits back into your diet slowly and start with soft consistencies.

13/07/2017

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Trade Credit Insurance Business Credit Insurance Accounts Receivable Ins – World


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Trade Credit Insurance

Protecting your domestic and international accounts receivables.

  • Your bottom line relies on your business transactions. Protecting these transactions from financial loss can make the difference in your company’s success.

  • International Customer Credit

    Political, financial collapse are protected with International Credit Insurance.

  • Insure Domestic Sales

    Financial credit exposure happens both abroad and at home. Keep your financial peace of mind everywhere you do business.

    What is Trade Credit Insurance?

    Trade Credit Insurance is a casualty insurance that protects your company’s Domestic and International Commercial Accounts Receivable from unexpected and catastrophic losses. These losses result from two sets of Risk Perils – Commercial Risk Events (that can cause non-payment of your A/R) and Foreign Political Risk Events (that can cause non-payment of your A/R).

    Is My Company at Risk?

    Accounts Receivable losses are driven primarily by Customer Bankruptcies and Insolvencies, which are inevitable and on the rise both in the United States and around the world. In 2005, 39,201 companies in the United States alone filed for bankruptcy protection, leaving many suppliers as general unsecured creditors in bankruptcy. This rate of business failures is up 14.2% from the 34,317 U.S.

    Customer Credit Insurance

    Of note is the Small Business Export Credit Insurance Policy and Program offered by The Export-Import Bank of the United States (Ex-Im Bank). Since its founding in 1934 as the official Export Credit Agency of our country, Ex-Im Bank has provided insurance and financing assistance to U.S. exporters, especially Small Business. Ex-Im Bank’s Small Business Export Credit Insurance Policy


    08/07/2017

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  • Aerospace Information Redefined #ascend, #aviation, #aerospace, #airline, #airports, #flight, #flying, #space,


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    Flight Ascend Consultancy, FlightGlobal’s consultancy arm, is a dedicated team of trusted aviation experts worldwide, with consultants in the Americas, Europe and Asia.

    Together we can help your organization create more effective strategies, build key relationships, achieve challenging revenue growth targets and manage future risk scenarios.

    In an uncertain world, you need confidence that your decisions are based on the best information available.

    We combine global expertise in aviation finance, business management and risk advisory to help you make informed decisions, capture new opportunities and drive your business forwards.

    Ascend the primary source for aviation information

    The world’s top investment banks and leasing companies, airlines and airports, manufacturers and insurers depend on Ascend.

    We provide quality information and expert advice to help deliver the best results for your business.

    Ascend the primary source for aviation information.

    Flight Ascend Consultancy, FlightGlobal’s consultancy arm, is a dedicated team of trusted aviation experts worldwide, with consultants in the Americas, Europe and Asia. Our independent, award-winning team are well-placed to help you understand and interpret what’s really going on in the dynamic aviation industry. Together we can help your organization create more effective strategies, build key relationships, achieve challenging revenue growth targets and manage future risk scenarios.

    Aerospace Information Independent quality data World-class proprietary aviation and space data More

    Valuations
    Appraisals Award-winning asset appraisers Authoratitive independent aviation asset assessments More

    Consultancy Solutions Global trusted advisor Insight into critical issues facing aviation today More

    The latest commentary and analysis:
    V1ewPoint Q2 2017 Issue

    This issue looks at the trends financiers and lessors need to be aware of to help them mitigate the risks 2017 brings.

    Flight Ascend Consultancy in the news

    17/06/2017

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    How to get cheap flights – Yahoo Finance UK #domestic #travel

    #how to get a cheap flight
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    The next time you’re sitting on an aeroplane, take a look at the people sitting next to you.

    The chances are they paid a different amount for their seats, even though you’re in the same cabin class and obviously heading to the same destination.

    Fly on the right day

    Brits on holiday are predictable creatures. We like to fly at the end of the working week or weekend, making Friday and Sunday two of the most expensive days to book flights, according to the website CheapFlights.co.uk.

    Analysis from that website shows that the cheapest days to fly are Tuesday, Wednesday and Saturday. So if you can be flexible about when you leave, you have a better chance of snapping up the lowest-priced seats.

    Likewise, flying out at an unpopular time (think very early in the morning or after dinner) can also reduce demand for the cheapest seats, giving you a better chance of snapping them up.

    Timing is critical

    It’s a widespread belief that booking a flight at the last minute will allow you to snap up a cheap, unsold seat. And that can be true, as long as you’re not remotely fussy about where you’re going or what kind of time you fly at.

    Most of us like a little more certainty in our holiday destinations, so when is the best time to book? It’s counter-intuitive, but most experts suggest not booking too early. If you buy your ticket six months or more in advance then the airline doesn’t have time to assess demand and won’t necessarily be offering its cheapest seats.

    CheapFlights.co.uk suggests booking 54 to 66 days in advance to get the cheapest deal.





    17/06/2017

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    State of Delaware – Division of Revenue – Services for the


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    State of Delaware – Search and Services/Information

    Franchise Taxes

    Corporations incorporated in Delaware but not conducting business in Delaware are not subject to corporate income tax, [30 Del.C, Section 1902(b)(6)] but do have to pay Franchise Tax administered by the Delaware Department of State.

    Any corporation that is incorporated in Delaware (regardless of where you conduct business) must file an Annual Franchise Tax Report and pay Franchise Tax for the privilege of incorporating in Delaware.

    Franchise Taxes and annual Reports are due no later than March 1st of each year.

    An annual Franchise Tax Notification is mailed directly to the corporation’s registered agent. Blank Franchise Tax Returns are not available. The Delaware Division of Corporations will require all Annual Franchise Tax Reports and alternative entity taxes to be filed electronically.

    All corporations incorporated in the State of Delaware are required to file an Annual Report and to pay a franchise tax. Exempt domestic corporations do not pay a tax but must file an Annual Report. The Annual Report filing fee for all other domestic corporations is $50.00 plus taxes due upon filing of the Annual Report. Taxes and Annual Reports are to be received no later than March 1st of each year. The minimum tax is $75.00 for corporations using the Authorized Shares method and a minimum tax of $350.00 for corporations using the Assumed Par Value Capital Method. All corporations using either method will have a maximum tax of $180,000.00. Taxpayers owing $5,000.00 or more pay estimated taxes in quarterly installments with 40% due June 1, 20% due by September 1, 20% due by December 1, and the remainder due March 1. The penalty for not filing a completed Annual Report on or before March 1st is $125.00 Interest at 1.5% per month is applied to any unpaid tax balance.

    Although Limited Partnerships, Limited Liability Companies and General Partnerships formed in the State of Delaware do not file an Annual Report, they are required to pay an annual tax of $250.00. Taxes for these entities are due on or before June 1st of each year. Penalty for non-payment or late payment is $200.00. Interest accrues on the tax and penalty at the rate of 1.5% per month.

    For more detailed information and an incorporating package, please contact:

    The Delaware Department of State
    Division of Corporations
    PO Box 898, Dover, Delaware 19903
    (302) 739-3073
    Website: www.corp.delaware.gov

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    13/06/2017

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    NPA crackdown: Government asks PSU banks to do forensic audit of


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    NPA crackdown: Government asks PSU banks to do forensic audit of defaulters

    Written by Sunny Verma | New Delhi | Published on: March 18, 2017 5:22 am

    Top News

    THE GOVERNMENT and the Reserve Bank of India are close to finalising a number of changes in rules to reduce the proportion of bad loans in the banking sector, a prerequisite to kick-starting the investment cycle and pushing growth. Finance ministry sources told The Indian Express that the measures being finalised include tweaking the existing Joint Lenders Forum for faster resolution of NPAs (non-performing assets), a scheme for one-time settlement of bad debts and penal action for defaulters who have siphoned off loans taken for business purposes. Sources said that state-owned banks have been asked to conduct a forensic audit of top 50 loan defaulters to separate genuine cases of business failure from those where funds have been diverted.

    They said that Union Finance Minister Arun Jaitley held a meeting with top RBI officials and bankers last week, and a roadmap is being worked out to deal with the issue of NPAs in near and medium term.

    While the government is unlikely to set up a state-owned Bad Bank to take over NPAs from state-owned banks in the near term, the Department of Financial Services has been asked to review the existing framework of private asset reconstruction companies over the next few months and submit a report. A largescale auction of bad debts is also being looked into by the government, said sources. Changes have been proposed to the Joint Lenders’ Forum (JLF), which deals with large NPA cases wherein multiple banks are lenders to a single company.

    As per the existing rules, if a loan restructuring package is approved by 60 per cent of lenders by number and by 75 per cent of lenders by value, the other banks in the JLF have to go along with it. The approval percentages are now expected to be reduced to ensure a faster decision on restructuring of loans under JLF. As per the changes being discussed, the RBI may allow banks to go ahead with a decision on restructuring if just the top 4-5 lenders were to reach an agreement.

    The government will also encourage banks to go for one-time settlement of loans with a haircut, and this process will be overseen by an oversight committee. The settlement will be done in a manner that it gives comfort to bankers against any regulatory backlash in future, sources said. The proportion of bad loans has been rising over the years, despite the government having announced the Indradhanush plan of reforms for the state-owned banks.

    Public sector banks’ NPAs surged by over Rs 1 lakh crore during the April-December period of 2016-17. Gross NPAs in the first nine months of the current fiscal rose to Rs 6.06 lakh crore by December 31, 2016, from Rs 5.02 lakh crore during the entire year of 2015-16. The gross NPAs were Rs 2.67 lakh crore at the end of 2014-15. The amount of total stressed assets, which comprises NPAs and restructured loans, is much higher.

    Top officials have acknowledged the need to resolve bad debts, in order to push economic growth and reinvigorate the investment cycle.

    During a meeting of the Parliamentary Consultative Committee Wednesday, Jaitley had said that dealing with bank NPAs is a challenging task and that the government was considering several oversight committees to help with resolution of bad debts.

    The core problem of bad debts is with very large corporates, predominantly in the steel, power, infrastructure and textile sectors, Jaitley said.

    Members of the consultative committee suggested several measures to deal with the issue such as initiating criminal action against the big wilful defaulters, creating a Special Bank where NPAs of all the state-owned banks are transferred, allowing the concerned state government to take part in the auction of stressed assets, fixing the gross NPA in the range of 9-10 per cent and not counting restructured assets as NPAs.

    One of the members said that the chief vigilance officer of the public sector bank would be made a part of the credit committee of the bank, and that its board should first take a call about the decisions being taken by their officials, rather than investigating agencies directly acting on the basis of their own information.

    Some members suggested that the government must establish a bad bank or a Public Sector Asset Rehabilitation Agency (PARA), which should only consider those NPAs where sector-specific reforms do not work. The Economic Survey for 2016-17 has also suggested the idea of PARA to resolve the problem of bad loans. On the issue of setting-up a “bad bank”, Jaitley said that several possible alternatives exist, and the issue is being debated on public platforms.

    More Top News

    May 18, 2017 at 7:11 am

    dear sir, ever since bjp govt took over. cleaning of accounts by banks seems to have given top priority. mr. modi and mr. jaitly are making effforts but the number of defaulters and volume of loans is alarming. we have seen supreme court also seriously getting involved. past is past,we need to set the house in order as it is public money, above all any wrong step maylead to large scale unemployment. firstly an expert team need to study,case by case, honestly you will have genuine cases where corporates lost huge sums in business expanision,upgradation, wrong forecast, higher wages,adverse market conditions,maintanance of business etc. above all team need to see how the present business is, are existing management running the business,revenue earned to enough. my appeal is to join hands with such company and run the show, a little support to such company,loans can see the light.business will grow,share value can be seen up ward trend. save deccan chronicle and taste the suce

    Mar 18, 2017 at 2:13 am

    Main problem was of govt owns. rolling out credit for growth. but end result was NPA. now govt ping bucks on PSU banks. Non of above mentioned loans were given without greasing palms of babu’s or netas. lt;br/gt;For ordinary netizens to obtained a simple housing loan. he has to wait or run pillars to post


    13/06/2017

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  • Emory Finance #deals #on #travel

    #air travel booking
    #

    Booking Air Travel

    Emory’s three air travel providers offer you and your department many benefits:

    1. Automatically feeds your trip itinerary into International SOS for traveler tracking

    2. Offers choice of charging your airfare to your Corporate Card, personal card or

    direct bills your airfare to your department (only for those who do not have a Corp Card)

    3. Tracks your unused airline ticket credits for you to apply to your next trip

    5. 5% discount (depending on fare purchased) on Korean Airlines

    6. Centralizes travel data allowing Emory to negotiate even better airline discounts

    Please note, if you are wanting to directly charge your airfare to an Emory Healthcare SmartKey (rather than Emory University SmartKey), then BCD Travel is your only option for direct billing to a Healthcare SmartKey.

    If you are wanting to book travel for Emory guests, please be aware of the financial risk in doing so. If the guest cancels and a non-refundable ticket was purchased, Emory will not receive any refund or credits for the cancellation.

    Is your trip a simple, single destination booking where no agent assistance is needed? If so, Tbiz Travel (formerly known as “Travelocity Business”) is what you should use. (Click on logo below for more details and to book online)

    Is your trip a complex, multi-stop and/or multi-airline booking where agent assistance is needed? (Click on either logo below for more details)

    Hang on! One more thing. Are you trying to book a flight on Southwest Airlines and the only place you can locate it is on Southwest.com? Then, you can go ahead and book directly with southwest.com and still be eligible for reimburement. Southwest does not publish all its fares and flights with other agencies so this purchase is an exception to the mandate.





    03/05/2017

    Posted In: NEWS

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    Emory Finance #insurance #travel

    #air travel booking
    #

    Booking Air Travel

    Emory’s three air travel providers offer you and your department many benefits:

    1. Automatically feeds your trip itinerary into International SOS for traveler tracking

    2. Offers choice of charging your airfare to your Corporate Card, personal card or

    direct bills your airfare to your department (only for those who do not have a Corp Card)

    3. Tracks your unused airline ticket credits for you to apply to your next trip

    5. 5% discount (depending on fare purchased) on Korean Airlines

    6. Centralizes travel data allowing Emory to negotiate even better airline discounts

    Please note, if you are wanting to directly charge your airfare to an Emory Healthcare SmartKey (rather than Emory University SmartKey), then BCD Travel is your only option for direct billing to a Healthcare SmartKey.

    If you are wanting to book travel for Emory guests, please be aware of the financial risk in doing so. If the guest cancels and a non-refundable ticket was purchased, Emory will not receive any refund or credits for the cancellation.

    Is your trip a simple, single destination booking where no agent assistance is needed? If so, Tbiz Travel (formerly known as “Travelocity Business”) is what you should use. (Click on logo below for more details and to book online)

    Is your trip a complex, multi-stop and/or multi-airline booking where agent assistance is needed? (Click on either logo below for more details)

    Hang on! One more thing. Are you trying to book a flight on Southwest Airlines and the only place you can locate it is on Southwest.com? Then, you can go ahead and book directly with southwest.com and still be eligible for reimburement. Southwest does not publish all its fares and flights with other agencies so this purchase is an exception to the mandate.





    20/03/2017

    Posted In: NEWS

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