FAI Finance Prospectus
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The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
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Deloitte partner Mike Shaw on Land Tax option
1. A land tax proposed for New Zealand could raise $3.8 billion in revenue annually based on taxing all landholdings at 1% of land value. Lower rates like 0.5% were estimated to raise less.
2. There are many issues to consider with a land tax including impacts on different sectors like farmers, disputes over land valuations, potential insolvency of highly leveraged landowners, and political pressures from groups seeking exemptions.
3. Specific sectors that could be impacted include owner-occupiers, residential and commercial rental properties, agriculture, forestry, and industry. Retired citizens with valuable land but low incomes would also be affected.
Robert halfmarch17
The document summarizes a presentation given at the Robert Half Business Breakfast at the Hyatt Regency on March 17th. It discusses how high levels of debt led to an economic boom that masked underlying issues, and how dealing with this debt will impact the economy going forward. The deleveraging process has only begun and will likely last 7 years, requiring increased saving and reduced spending. This will make retaining talent more difficult as labor markets become mobile, taxes increase, and spending growth remains weak.
PwC Partner John Shewan on base broadening measures for Tax Working Group
The document discusses options for reforming New Zealand's tax system regarding the taxation of capital income. It outlines some of the problems with the current hybrid system, including inconsistent treatment of different asset classes and entities. Some leading options for reform discussed include implementing a capital gains tax, applying a risk-free rate of return model to rental properties, limiting deductions for rental properties, and tightening thin capitalization rules. The pros and cons of these different approaches are debated, with capital gains taxation raising issues around feasibility, revenue generation, and complexity.
Final Rabo Plus Financial Confidence Index (Media Pack)
This document contains the submission notes from a parliamentary banking inquiry in Wellington, New Zealand on September 2, 2009. It discusses that the problem is not bank profiteering, but rather New Zealand's structural settings that favor housing investment. It also notes that wholesale funding costs increased 100 basis points while local funding costs increased 150 basis points, yet bank net interest margins have actually fallen and have been falling for a while. The submission suggests solutions such as a flatter tax system, more productive investment, less property speculation, land tax or capital gains tax, and using capital adequacy rules.
Nzmea presidents functionmay13christchurch
Bernard Hickey delivered a presentation on the outlook for NZ exporters to the NZMEA on May 13 in Christchurch
Rprc April13 Kiwisaver
Interest.co.nz editor Bernard Hickey argues for a debate on NZ Superannuation at a Business Breakfast hosted by the Retirement Policy Research Centre at the University of Auckland.
PwC partner Geof Nightingale on Tax Working Group scenarios
The document models and analyzes several tax reform scenarios for New Zealand, including:
1) Scenario 2B which aligns top personal and trust tax rates at 27% and increases the GST rate to 15% with compensation. This results in a $2.89 billion fiscal cost.
2) Scenario 5 which reduces the top personal and trust tax rates to 30% and the company tax rate to 20% while removing imputation credits. This results in a $3.21 billion fiscal cost.
3) Both scenarios are analyzed in terms of their impact on various principles of an effective tax system like revenue, equity, efficiency and coherence. Base broadening measures are also discussed which could improve sustainability.
Sydney Melnyk Interior Design Portfolio
Lakeland College (Canada) interior design students create a portfolio of their work from their two year diploma program. This is from Sydeny Melnyk, Class of 2016.
Recommended
Deloitte partner Mike Shaw on Land Tax option
1. A land tax proposed for New Zealand could raise $3.8 billion in revenue annually based on taxing all landholdings at 1% of land value. Lower rates like 0.5% were estimated to raise less.
2. There are many issues to consider with a land tax including impacts on different sectors like farmers, disputes over land valuations, potential insolvency of highly leveraged landowners, and political pressures from groups seeking exemptions.
3. Specific sectors that could be impacted include owner-occupiers, residential and commercial rental properties, agriculture, forestry, and industry. Retired citizens with valuable land but low incomes would also be affected.
Robert halfmarch17
The document summarizes a presentation given at the Robert Half Business Breakfast at the Hyatt Regency on March 17th. It discusses how high levels of debt led to an economic boom that masked underlying issues, and how dealing with this debt will impact the economy going forward. The deleveraging process has only begun and will likely last 7 years, requiring increased saving and reduced spending. This will make retaining talent more difficult as labor markets become mobile, taxes increase, and spending growth remains weak.
PwC Partner John Shewan on base broadening measures for Tax Working Group
The document discusses options for reforming New Zealand's tax system regarding the taxation of capital income. It outlines some of the problems with the current hybrid system, including inconsistent treatment of different asset classes and entities. Some leading options for reform discussed include implementing a capital gains tax, applying a risk-free rate of return model to rental properties, limiting deductions for rental properties, and tightening thin capitalization rules. The pros and cons of these different approaches are debated, with capital gains taxation raising issues around feasibility, revenue generation, and complexity.
Final Rabo Plus Financial Confidence Index (Media Pack)
This document contains the submission notes from a parliamentary banking inquiry in Wellington, New Zealand on September 2, 2009. It discusses that the problem is not bank profiteering, but rather New Zealand's structural settings that favor housing investment. It also notes that wholesale funding costs increased 100 basis points while local funding costs increased 150 basis points, yet bank net interest margins have actually fallen and have been falling for a while. The submission suggests solutions such as a flatter tax system, more productive investment, less property speculation, land tax or capital gains tax, and using capital adequacy rules.
Nzmea presidents functionmay13christchurch
Bernard Hickey delivered a presentation on the outlook for NZ exporters to the NZMEA on May 13 in Christchurch
Rprc April13 Kiwisaver
Interest.co.nz editor Bernard Hickey argues for a debate on NZ Superannuation at a Business Breakfast hosted by the Retirement Policy Research Centre at the University of Auckland.
PwC partner Geof Nightingale on Tax Working Group scenarios
The document models and analyzes several tax reform scenarios for New Zealand, including:
1) Scenario 2B which aligns top personal and trust tax rates at 27% and increases the GST rate to 15% with compensation. This results in a $2.89 billion fiscal cost.
2) Scenario 5 which reduces the top personal and trust tax rates to 30% and the company tax rate to 20% while removing imputation credits. This results in a $3.21 billion fiscal cost.
3) Both scenarios are analyzed in terms of their impact on various principles of an effective tax system like revenue, equity, efficiency and coherence. Base broadening measures are also discussed which could improve sustainability.
Sydney Melnyk Interior Design Portfolio
Lakeland College (Canada) interior design students create a portfolio of their work from their two year diploma program. This is from Sydeny Melnyk, Class of 2016.
Motu economist Arthur Grimes Land Tax Option
The document discusses introducing a land tax in New Zealand as a way to broaden the tax base. It notes that land taxes are economically efficient and less distortionary than property taxes. It estimates that a 0.5% tax on land value could raise around $2 billion annually. The tax would likely be progressive and negatively impact retired households, large landowners like farmers, and young homeowners with little equity. A tax-free threshold per hectare could help address issues for farms and forests. The tax may decrease land and house prices by up to 15% and 4-8% respectively.
RBNZ NZ vs Aus Presentation
Both Australia and New Zealand grew strongly over the past decade, though Australia saw much stronger terms of trade gains due to its mining exports. Both countries weathered the global financial crisis well due to similar financial institutions and policies. While China's growth has significantly boosted Australian exports, New Zealand's economy remains more vulnerable as it relies more on manufacturing and services exports.
Veda Advantage October
Total consumer credit applications were down 9.03% from January to October 2009 compared to the same period in 2008. Hire purchase applications decreased 20.45% while personal loan applications declined 4.05% and credit card applications dropped 13.38%, with those under 28 (Gen Y) seeing a 19.09% decrease. Mortgage applications rose 20.20% overall but increased even more for baby boomers at 25.63%. Consumer defaults increased 4.29% and among baby boomers were up 16.80%. Commercial inquiries and defaults fell 14.60% although commercial defaults rose 49.47%.
NAB Group Result for September quarter
This document provides an investor presentation for National Australia Bank for the period ending September 2009. It includes the following key points:
1) NAB reported solid financial performance in a challenging economic environment, with underlying profit up 14.6% despite a decline in cash earnings.
2) The outlook remains cautious as economies recover slowly from recession, but there are signs of past worst being left behind in key markets like the UK and Australia.
3) Priorities for 2010 include leadership and talent development, balance sheet strength, efficiency, customer support and portfolio priorities.
Let's look again at NZ Monetary Policy
The document discusses Singapore's monetary policy approach of managing its exchange rate against a basket of currencies within an announced policy band. It notes that Singapore employs capital management techniques to insulate from speculation and protect its soft currency peg, increasing financial stability. The document argues that New Zealand should adopt a similar approach of managing its exchange rate to protect exporters, rather than relying solely on interest rate adjustments which fuel property speculation and damage the tradable sector through an elevated currency.
ANZ to buy ING Australia and NZ
The document discusses ANZ's acquisition of ING's 51% interest in ING Australia and ING New Zealand joint ventures for A$1.76 billion. The acquisition strengthens ANZ's position in wealth management by delivering immediate scale in funds under management, life insurance in-force premiums, and distribution networks. It creates substantial value for ANZ shareholders and is expected to be cash EPS accretive in fiscal year 2010 with low transition risk given ANZ's existing knowledge of the businesses.
RaboPlus Financial Confidence Index
1. The document reports on a survey measuring public confidence in New Zealand's financial system following the global financial crisis. It finds that while few have seen investment gains recently, most expect their circumstances to improve slightly over the next six months.
2. Confidence is higher in housing as an investment than in the financial sector. Males are more optimistic than females about the future. Confidence is lowest in finance companies and share brokers.
3. Current customers have more confidence in financial institutions than non-customers. Perceptions of providers correlate with willingness to recommend them. Those with more self-rated financial expertise fared better and are more positive.
Interest.co.nz submission to Parliamentary Inquiry Sept2
This document contains the text from a submission to a multi-party inquiry into banking in New Zealand. It addresses several issues, including arguing that the main problem is New Zealand's structural settings that favor housing investment rather than bank profiteering. It also notes that wholesale and local funding costs for banks have increased while bank net interest margins have actually fallen. The submission suggests solutions such as a flatter tax system, more productive investment, less property speculation, and changes to capital adequacy rules and requirements.
Marac Finance Interim results presentation
The document provides an agenda and interim financial results for PGC to December 2008. Key points include:
- MARAC reported a net profit of $11m but PGC reported a loss of $6.9m due to losses at PGG Wrightson.
- PGC provided a $25m underwrite to MARAC for property loans.
- PGC's interim NPAT was a $17m loss compared to a $22.1m profit in the prior year.
- Brian Jolliffe and Alan Williams will discuss the performance of individual businesses and the financials.
Bernard Hickey's presentation on the Credit Crunch to Bayleys on Feb 14
This is a presentation on the Credit Crunch given by interest.co.nz Editor Bernard Hickey to a Bayleys conference in Auckland on February 14
快速办理(RWTH毕业证书)德国亚琛工业大学毕业证录取通知书一模一样
原件一模一样【微信：bwp0011】《(RWTH毕业证书)德国亚琛工业大学毕业证》【微信：bwp0011】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问微bwp0011
【主营项目】
一.毕业证【微bwp0011】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【微bwp0011】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
What Lessons Can New Investors Learn from Newman Leech’s Success?
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How to Identify the Best Crypto to Buy Now in 2024.pdf
To identify the best crypto to buy in 2024, analyze market trends, assess the project's fundamentals, review the development team and community, monitor adoption rates, and evaluate risk tolerance. Stay updated with news, regulatory changes, and expert opinions to make informed decisions.
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Markets rallied in May, with all three major U.S. equity indices up for the month, said Sam Millette, director of fixed income, in his latest Market Risk Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
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Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
Economic Risk Factor Update: June 2024 [SlideShare]
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
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Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
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Motu economist Arthur Grimes Land Tax Option
The document discusses introducing a land tax in New Zealand as a way to broaden the tax base. It notes that land taxes are economically efficient and less distortionary than property taxes. It estimates that a 0.5% tax on land value could raise around $2 billion annually. The tax would likely be progressive and negatively impact retired households, large landowners like farmers, and young homeowners with little equity. A tax-free threshold per hectare could help address issues for farms and forests. The tax may decrease land and house prices by up to 15% and 4-8% respectively.
RBNZ NZ vs Aus Presentation
Both Australia and New Zealand grew strongly over the past decade, though Australia saw much stronger terms of trade gains due to its mining exports. Both countries weathered the global financial crisis well due to similar financial institutions and policies. While China's growth has significantly boosted Australian exports, New Zealand's economy remains more vulnerable as it relies more on manufacturing and services exports.
Veda Advantage October
Total consumer credit applications were down 9.03% from January to October 2009 compared to the same period in 2008. Hire purchase applications decreased 20.45% while personal loan applications declined 4.05% and credit card applications dropped 13.38%, with those under 28 (Gen Y) seeing a 19.09% decrease. Mortgage applications rose 20.20% overall but increased even more for baby boomers at 25.63%. Consumer defaults increased 4.29% and among baby boomers were up 16.80%. Commercial inquiries and defaults fell 14.60% although commercial defaults rose 49.47%.
NAB Group Result for September quarter
This document provides an investor presentation for National Australia Bank for the period ending September 2009. It includes the following key points:
1) NAB reported solid financial performance in a challenging economic environment, with underlying profit up 14.6% despite a decline in cash earnings.
2) The outlook remains cautious as economies recover slowly from recession, but there are signs of past worst being left behind in key markets like the UK and Australia.
3) Priorities for 2010 include leadership and talent development, balance sheet strength, efficiency, customer support and portfolio priorities.
Let's look again at NZ Monetary Policy
The document discusses Singapore's monetary policy approach of managing its exchange rate against a basket of currencies within an announced policy band. It notes that Singapore employs capital management techniques to insulate from speculation and protect its soft currency peg, increasing financial stability. The document argues that New Zealand should adopt a similar approach of managing its exchange rate to protect exporters, rather than relying solely on interest rate adjustments which fuel property speculation and damage the tradable sector through an elevated currency.
ANZ to buy ING Australia and NZ
The document discusses ANZ's acquisition of ING's 51% interest in ING Australia and ING New Zealand joint ventures for A$1.76 billion. The acquisition strengthens ANZ's position in wealth management by delivering immediate scale in funds under management, life insurance in-force premiums, and distribution networks. It creates substantial value for ANZ shareholders and is expected to be cash EPS accretive in fiscal year 2010 with low transition risk given ANZ's existing knowledge of the businesses.
RaboPlus Financial Confidence Index
1. The document reports on a survey measuring public confidence in New Zealand's financial system following the global financial crisis. It finds that while few have seen investment gains recently, most expect their circumstances to improve slightly over the next six months.
2. Confidence is higher in housing as an investment than in the financial sector. Males are more optimistic than females about the future. Confidence is lowest in finance companies and share brokers.
3. Current customers have more confidence in financial institutions than non-customers. Perceptions of providers correlate with willingness to recommend them. Those with more self-rated financial expertise fared better and are more positive.
Interest.co.nz submission to Parliamentary Inquiry Sept2
This document contains the text from a submission to a multi-party inquiry into banking in New Zealand. It addresses several issues, including arguing that the main problem is New Zealand's structural settings that favor housing investment rather than bank profiteering. It also notes that wholesale and local funding costs for banks have increased while bank net interest margins have actually fallen. The submission suggests solutions such as a flatter tax system, more productive investment, less property speculation, and changes to capital adequacy rules and requirements.
Marac Finance Interim results presentation
The document provides an agenda and interim financial results for PGC to December 2008. Key points include:
- MARAC reported a net profit of $11m but PGC reported a loss of $6.9m due to losses at PGG Wrightson.
- PGC provided a $25m underwrite to MARAC for property loans.
- PGC's interim NPAT was a $17m loss compared to a $22.1m profit in the prior year.
- Brian Jolliffe and Alan Williams will discuss the performance of individual businesses and the financials.
Bernard Hickey's presentation on the Credit Crunch to Bayleys on Feb 14
This is a presentation on the Credit Crunch given by interest.co.nz Editor Bernard Hickey to a Bayleys conference in Auckland on February 14
More from Bernard Hickey (10)
Interest.co.nz submission to Parliamentary Inquiry Sept2
Interest.co.nz submission to Parliamentary Inquiry Sept2
Bernard Hickey's presentation on the Credit Crunch to Bayleys on Feb 14
Bernard Hickey's presentation on the Credit Crunch to Bayleys on Feb 14
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快速办理(RWTH毕业证书)德国亚琛工业大学毕业证录取通知书一模一样
原件一模一样【微信：bwp0011】《(RWTH毕业证书)德国亚琛工业大学毕业证》【微信：bwp0011】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问微bwp0011
【主营项目】
一.毕业证【微bwp0011】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【微bwp0011】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
What Lessons Can New Investors Learn from Newman Leech’s Success?
Newman Leech's success in the real estate industry is based on key lessons and principles, offering practical advice for new investors and serving as a blueprint for building a successful career.
How to Identify the Best Crypto to Buy Now in 2024.pdf
To identify the best crypto to buy in 2024, analyze market trends, assess the project's fundamentals, review the development team and community, monitor adoption rates, and evaluate risk tolerance. Stay updated with news, regulatory changes, and expert opinions to make informed decisions.
Governor Olli Rehn: Inflation down and recovery supported by interest rate cu...
Governor Olli Rehn
Bank of Finland
Press conference on the outlook for the Finnish economy
Helsinki, 11 June 2024
Monthly Market Risk Update: June 2024 [SlideShare]
Markets rallied in May, with all three major U.S. equity indices up for the month, said Sam Millette, director of fixed income, in his latest Market Risk Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Exploring-Madhya-Pradesh-Culture-Heritage-and-Land-Records.pptx
Madhya Pradesh, the "Heart of India," boasts a rich tapestry of culture and heritage, from ancient dynasties to modern developments. Explore its land records, historical landmarks, and vibrant traditions. From agricultural expanses to urban growth, Madhya Pradesh offers a unique blend of the ancient and modern.
13 Jun 24 ILC Retirement Income Summit - slides.pptx
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
Economic Risk Factor Update: June 2024 [SlideShare]
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
KYC Compliance: A Cornerstone of Global Crypto Regulatory Frameworks
This presentation explores the pivotal role of KYC compliance in shaping and enforcing global regulations within the dynamic landscape of cryptocurrencies. Dive into the intricate connection between KYC practices and the evolving legal frameworks governing the crypto industry.
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Budgeting as a Control Tool in Govt Accounting in Nigeria Prof Oyedokun.pptx
Budgeting as a Control Tool in Govt Accounting in Nigeria Prof Oyedokun.pptxGodwin Emmanuel Oyedokun MBA MSc PhD FCA FCTI FCNA CFE FFAR
Budgeting as a Control Tool in Government Accounting in Nigeria
Being a Paper Presented at the Nigerian Maritime Administration and Safety Agency (NIMASA) Budget Office Staff at Sojourner Hotel, GRA, Ikeja Lagos on Saturday 8th June, 2024.
The Rise and Fall of Ponzi Schemes in America.pptx
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
PM pre reads for the product manager framework
For kingfisher airlines, interpret this with product management frameworks and answer the below questions
China's Investment Leader - Dr. Alyce SU
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
一比一原版宾夕法尼亚大学毕业证(UPenn毕业证书)学历如何办理
挂科购买【微信号:176555708】【挂科购买(UPenn毕业证书)】【微信号:176555708】《成绩单、外壳、offer、真实留信官方学历认证（永久存档/真实可查）》采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【我们承诺采用的是学校原版纸张（纸质、底色、纹路）我们拥有全套进口原装设备，特殊工艺都是采用不同机器制作，仿真度基本可以达到100%，所有工艺效果都可提前给客户展示，不满意可以根据客户要求进行调整，直到满意为止！】
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信号:176555708】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信号:176555708】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
留信网服务项目：
1、留学生专业人才库服务（留信分析）
2、国（境）学习人员提供就业推荐信服务
3、留学人员区块链存储服务
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：客户在留信官方认证查询网站查询到认证通过结果后付款，不成功不收费！
TechnoXander Confirmation of Payee Product Pack 1.pdf
Confirmation of Payee (CoP) is a vital security measure adopted by financial institutions and payment service providers. Its core purpose is to confirm that the recipient’s name matches the information provided by the sender during a banking transaction, ensuring that funds are transferred to the correct payment account.
Confirmation of Payee was built to tackle the increasing numbers of APP Fraud and in the landscape of UK banking, the spectre of APP fraud looms large. In 2022, over £1.2 billion was stolen by fraudsters through authorised and unauthorised fraud, equivalent to more than £2,300 every minute. This statistic emphasises the urgent need for robust security measures like CoP. While over £1.2 billion was stolen through fraud in 2022, there was an eight per cent reduction compared to 2021 which highlights the positive outcomes obtained from the implementation of Confirmation of Payee. The number of fraud cases across the UK also decreased by four per cent to nearly three million cases during the same period; latest statistics from UK Finance.
In essence, Confirmation of Payee plays a pivotal role in digital banking, guaranteeing the flawless execution of banking transactions. It stands as a guardian against fraud and misallocation, demonstrating the commitment of financial institutions to safeguard their clients’ assets. The next time you engage in a banking transaction, remember the invaluable role of CoP in ensuring the security of your financial interests.
For more details, you can visit https://technoxander.com.
Discover the Future of Dogecoin with Our Comprehensive Guidance
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
Discovering Delhi - India's Cultural Capital.pptx
Delhi, the heartbeat of India, offers a rich blend of history, culture, and modernity. From iconic landmarks like the Red Fort to bustling commercial hubs and vibrant culinary scenes, Delhi's real estate landscape is dynamic and diverse. Discover the essence of India's capital, where tradition meets innovation.
University of North Carolina at Charlotte degree offer diploma Transcript
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
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