Get tax benefits upto Rs 1,00,000 on health insurance premium and other medical expenditures.
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Section 80D : Income Tax benefit for medical insurance premium A lot of expenditure is incurred on health today, it includes the premiums of health insurance policies, preventive health check ups and other medical bills. Considering health as an integral and important expenditure the government is giving income tax deduction for such expenses, in the manner described below: Amount of Tax Benefit: Maximum Rs 1,00,000 On Health Insurance Premium - Rs 50,000 for Senior Citizens Rs 25,000 for others On Preventive Health Check up - Rs 5,000 On Medical Expenditure for Senior Citizen - Rs 50,000 Eligible Deductions: Health Insurance Premium & Preventive Health Check up Expenditures for Self Spouse Children Parents Medical Expenditure for those above 60 years Payment Mode: Medical Insurance Premium paid - Non Cash Preventive health check up expenditures - Any Medical Expenditure for those above 60 years - Non Cash Important Note: Deduction of Rs 5,000 on preventive health check up is included in the limits of Rs 25,000 or Rs 50,000 of health insurance premium deduction
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Types of health insurance policies
There are three types of health insurance cover available in the market today. These are:
Mediclaim:
These policies cover you for hospitalization expenses. Actual hospitalization expenses are paid subject to a maximum limit of the sum assured opted for. All insurers offer policyholders cashless treatment in their network of hospitals. Policyholders can also pay upfront and then claim reimbursement from the insurer.
We recommend Mediclaim as a basic “must have” health insurance to our customers. Mediclaim can be individual or a family floater. In individual every person has his or her own individual policy. In a family floater the members of a family pay a single premium and have one insurance policy that covers the family. Sometimes parents and in-laws can also be included in the family cover. A floater cover provides a lot of flexibility for the family and normally works out more economical.
Fixed Benefit Cover
These is a new class of insurance products in the Indian market. These plans pay a pre-determined sum of money depending upon the number of days a person is in hospital and the type of surgery done. This amount may be more or less than the actual expenses you incur. We recommend this as an additional insurance to purchase after you have the basic mediclaim policy. Similar to the indemnity cover, fixed benefit cover has individual and family floater options. Fixed benefit policies will pay you the benefit even if the actual costs are reimbursed by a mediclaim policy.
Critical Illness plans
In these plans a fixed sum of money is paid if the person gets certain pre-specified diseases. Plans can cover anywhere from 9 to 35 diseases. In our view these plans are best bought after one has the basic medicliam and fixed benefit plans. They are ideal for diseases that are debilitating but may not require constant hospitalization - for example cancer or renal failure.
Each of the insurance plans described here can be taken for a single Individual or may include dependents such as the spouse, minor children, parents, parents-in-law, grandparents and grandchildren.
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Section 80TTB: Deduction to senior citizens for interest on deposits
Section 80TTB provides an income tax deduction for interest earned on various deposits to senior citizens. For this purpose, the deposits such as savings accounts, fixed and recurring deposits etc should be covered. The deposits can be made with post offices like Senior citizen saving scheme, monthly investment scheme or with banks, financial institutions and cooperative societies like fixed or recurring deposits etc The benefit under this section is only available to a resident Indian and hence NRI cannot avail the benefits of this section. Also, senior citizens are not allowed to take benefit under both the sections i.e. 80TTA and 80TTB. They should choose to avail of the benefits only under section 80TTB.
Who can claim deduction u/s 80TTB?
Non-Resident Indians (NRIs) or resident Indians below the age of 60 years are not allowed to take benefit under section 80TTB. The benefits can only be availed by
Resident Senior Citizen
Aged 60 years or above
Tax Benefit:
The tax benefit of Rs 50,000 extends to all kinds of deposit’s interest, unlike section 80TTA.
Eligibility:
Only the interest earned on savings a/c opened with the following entities are eligible for deduction under section 80TTA:
Bank
Post Office
Financial Institutions
Co-operative Societies
Important Note:
Some important points to be considered in respect of section 80TTB are:
Deduction u/s 80 TTB shall not be available to NRIs.
No Deductions shall be allowed to those below 60 years of age.
This deduction is over and above the limit of Rs 1.5lakh deduction u/s 80C
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Health Insurance - a presentation by Richard Strauss Insurance Brokers
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Insurance & assurance
You can learn the meaning of the terms Insurance and Assurance and differentiate the term insurance from assurance.
Healthcare Insurance Sector in India
The Report is a brief overview of Healthcare Insurance Market in India. It covers Market Size and Forecasts, Competitive Structure, Growth Analysis, Impact Analysis and Recommendations.
Types of health insurance policies
There are three types of health insurance cover available in the market today. These are:
Mediclaim:
These policies cover you for hospitalization expenses. Actual hospitalization expenses are paid subject to a maximum limit of the sum assured opted for. All insurers offer policyholders cashless treatment in their network of hospitals. Policyholders can also pay upfront and then claim reimbursement from the insurer.
We recommend Mediclaim as a basic “must have” health insurance to our customers. Mediclaim can be individual or a family floater. In individual every person has his or her own individual policy. In a family floater the members of a family pay a single premium and have one insurance policy that covers the family. Sometimes parents and in-laws can also be included in the family cover. A floater cover provides a lot of flexibility for the family and normally works out more economical.
Fixed Benefit Cover
These is a new class of insurance products in the Indian market. These plans pay a pre-determined sum of money depending upon the number of days a person is in hospital and the type of surgery done. This amount may be more or less than the actual expenses you incur. We recommend this as an additional insurance to purchase after you have the basic mediclaim policy. Similar to the indemnity cover, fixed benefit cover has individual and family floater options. Fixed benefit policies will pay you the benefit even if the actual costs are reimbursed by a mediclaim policy.
Critical Illness plans
In these plans a fixed sum of money is paid if the person gets certain pre-specified diseases. Plans can cover anywhere from 9 to 35 diseases. In our view these plans are best bought after one has the basic medicliam and fixed benefit plans. They are ideal for diseases that are debilitating but may not require constant hospitalization - for example cancer or renal failure.
Each of the insurance plans described here can be taken for a single Individual or may include dependents such as the spouse, minor children, parents, parents-in-law, grandparents and grandchildren.
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The Taxpayer’s Charter governing the duties of the Income Tax Department and expectations from a Taxpayer has been released by CBDT on 13th August 2020. It is one of the main pillars of “Honoring the Honest” initiative.
If you are a senior citizen, claim deduction of Rs 50,000 on interest earned ...
Section 80TTB: Deduction to senior citizens for interest on deposits
Section 80TTB provides an income tax deduction for interest earned on various deposits to senior citizens. For this purpose, the deposits such as savings accounts, fixed and recurring deposits etc should be covered. The deposits can be made with post offices like Senior citizen saving scheme, monthly investment scheme or with banks, financial institutions and cooperative societies like fixed or recurring deposits etc The benefit under this section is only available to a resident Indian and hence NRI cannot avail the benefits of this section. Also, senior citizens are not allowed to take benefit under both the sections i.e. 80TTA and 80TTB. They should choose to avail of the benefits only under section 80TTB.
Who can claim deduction u/s 80TTB?
Non-Resident Indians (NRIs) or resident Indians below the age of 60 years are not allowed to take benefit under section 80TTB. The benefits can only be availed by
Resident Senior Citizen
Aged 60 years or above
Tax Benefit:
The tax benefit of Rs 50,000 extends to all kinds of deposit’s interest, unlike section 80TTA.
Eligibility:
Only the interest earned on savings a/c opened with the following entities are eligible for deduction under section 80TTA:
Bank
Post Office
Financial Institutions
Co-operative Societies
Important Note:
Some important points to be considered in respect of section 80TTB are:
Deduction u/s 80 TTB shall not be available to NRIs.
No Deductions shall be allowed to those below 60 years of age.
This deduction is over and above the limit of Rs 1.5lakh deduction u/s 80C
You get income tax benefit up to Rs 10,000 for interest earned from the savin...
Section 80TTA: Deduction for interest earned on Savings Account
Under section 80TTA income tax deduction for interest earned on savings accounts is allowed. For this purpose, the savings accounts should be opened with Post Offices, banks and cooperative societies only. The benefit of section 80TTA is not available on interest earned from fixed deposits. It is also not available to senior citizens as they get the extended income tax benefit under section 80TTB.
Who can claim deduction u/s 80TTA?
Deduction under section 80TTA is not available to companies, firms or associations. It is only available to
Individuals and
HUF
Tax Benefit:
The tax benefit is only allowed upto Rs 10,000. Any interest in excess of Rs 10,000 shall be chargeable to income tax.
Eligibility:
Only the interest earned on savings a/c opened with the following entities are eligible for deduction under section 80TTA:
Bank
Post Office
Co-operative Societies
Important Note:
Some important points to be considered in respect of section 80TTA are:
Deduction u/s 80 TTA shall not be available to Senior Citizens.
No Deduction shall be allowed for interest on Fixed Deposits
The interest earned on savings account with NBFC’s shall not be covered under this section
This deduction is over and above the limit of Rs 1.5lakh deduction u/s 80C
Get additional tax benefit on NPS Contributionsu/s 80CCD
Section 80CCD(2): Income tax deduction for contributions by employer to eligible NPS
Who can claim
Individual Assessee
Eligibility
On contributions to eligible NPS made by employers
Tax Benefit
The amount of deduction shall be:
Amount Contributed
or
14% of Salary(Basic + DA), in case the employer is Central Govt
10% of Salary(Basic + DA), in case of any other employer
- whichever is lower
Claim Income Tax Deduction for Medical treatment of Specified Diseases
Section 80DDB: Income Tax Deduction for Specified Diseases
The income tax deduction under section 80DDB serves as financial help for those who are suffering from a severe disease or are taking care of such dependent family members suffering from any of these diseases and finally dependent on the taxpayer. Although the one thing to be taken note of is that his deduction cannot be claimed against capital gains, loans from winnings or lotteries and such other incomes as specifically excluded.
Eligibility:
In case some expenditure has been incurred by a resident individual or any member of HUF then income tax deduction can be claimed for the same. The expenditure incurred can be claimed as deduction for
Self or
Dependent Relative
The dependent relative here includes spouse, parents, siblings, and children.
Diseases Covered:
The following diseases are covered under the ambit of section 80DDB diseases, such as:
Acquired Immuno Deficiency Syndrome (AIDS)
Aphasia
Ataxia
Chorea
Dementia
Dystonia musculorum deformans
Hemiballismus
Hematological disorders
Haemophilia
Malignant cancers
Motor neuron disease
Parkinson’s disease
Renal failure
Thalassemia
Important Point:
In case you are claiming income tax deduction under section 80DDB and simultaneously you have also received any reimbursements from the insurance policy. In such a situation the income tax benefit allowed shall be adjusted against such reimbursements.
Claim Income Tax Deduction on Home loan and other expenses
Income Tax Deduction:
Income Tax Deduction can be claimed on both the Payment of Principal u/s 80C and Interest amount due on Home Loan u/s 24.
Who can get the benefit of Home Loan?
To get the income tax benefit on home loan one must be the Owner or co owner of the house AND should also be the borrower or co borrower of the Loan. Only Individual and member of HUF can get benefit under section 80C and 24. Partnership firm, company etc cannot claim this benefit.
Tax benefit on Principal Repayment :
Tax Deduction upto Rs 1.5 lakh u/s 80C can be claimed on actual repayment of the principal amount of loan. This Deduction is not available on accrual basis.
Tax benefit on Interest Due :
Tax Deduction upto Rs 2 lakh can be claimed for the outstanding amount of interest for the period u/s 24 of the income tax. Interest deduction shall include both pre construction and post construction eligible deductions.
First time Home Buyers :
Additional Deduction of Rs 50,000 is available for first time home buyers under section 80 EE. This deduction is available in respect of loans sanctioned between 2016-17.
Other Eligible Deduction:
Apart from claiming income tax deduction on loan repayment whether principal or interest amount deduction in respect of the following expenses can also be claimed:
Stamp duty and registration charges
Processing fee and service charges
Check if your FD can get you income tax benefit u/s 80C?
5 Year FD(Time Deposit)
Amount you can invest: There is no limit to the amount you can invest in the FD’s. However, interest earned on FD is taxable.
Returns: The returns under FD’s varies from 7% to 7.7% depending upon the banks.
Lock in period: if you want to get the tax exemption benefit under section 80C, then the minimum lock in period of Bank FD’s should be of 5 years. Premature withdrawal from FD’s are allowed. However withdrawal charges are applicable according to the bank you have selected.
Tax benefits: Here also you get the benefit of tax exemption under section 80C. Interest earned through your FD’s is added to your income and is considered as taxable, if the amount exceeds the limit of Rs. 50,000 p.a. (section 80TTB for senior citizens)
Expert’s Advice:
Make sure you invest in 5 year FD so that you can claim benefit of same under section 80C, other FD’s are not eligible for the deduction.
ULIP – Unit Linked Insurance Plan
ULIPs are life insurance plans which invest the premium in the capital market and give you market-linked returns. And, what can be more exciting than enjoying a tax benefit simultaneously
Lock-in Period: 5 Years
Return: 8-10%
Investment Amount: No Max limit, invest 1,50,000 for deduction.
Public Provident Fund (PPF) India
Public Provident Fund is simply defined as Exempt, Exempt and Exempt (EEE) as it offers exceptional tax benefits to its subscribers under Section 80C. This popular long-term investment scheme was launched by the Government of India offering financial security with reasonable interest rate and returns that are fully exempt from tax.
Lock-in Period: 15 Years
Return: 7.9% (Currently)
Investment Amount: Minimum:- Rs 500
Maximum:- Rs 1,50,000
What is the additional benefit your NPS investment can fetch?
Investment amount refers to the maximum permissible investment within the scheme. To avail tax benefits u/s 80C you must restrict the investment to an amount up to Rs 1.5 lakhs.
Expert Advice:
If you wish to save taxes over and above the limit of section 80C, NPS serves the best scheme to opt for. it gives you the additional benefit of Rs. 50,000 under section 80CCD(1B).
How to generate Rent Receipts ? for FY 2018-19 | AY 2019-20.
Tax2win will explain to you how you can generate customized rent receipts for free in less than 2 minutes, to claim HRA tax exemption.
What is the actual benefit of Rent Receipts?
Many companies provide House Rent Allowance(HRA) to employees for meeting the cost of living in rented accommodation. HRA is one of the biggest tax-saving avenues as the complete amount of HRA is not taxable. The least of the three amounts are tax exempt -
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आय-कर अधिनियम की धारा 234F
प्रस्तावना
बजट सत्र 2017 की घोषणा के दौरान हमारे माननीय वित्त मंत्री श्री अरुण जेटली जी ने देरी से आय-कर विवरणिका दाखिल करने वालो के लिए एक नयी धारा 234 F पेश की हैं |
हमारे लिए यह अभी जानना इसलिए जरूरी है, क्योंकि यह वित्त वर्ष 2017-18 की आय-कर विवरणिका दाखिल करने पर लागू होगा |
आइये समझते हैं...
धारा 234 F का मतलब क्या होता है?
धारा 234F के अनुसार, यदि किसी व्यक्ति को आय-कर अधिनियम [धारा 139(1)] के प्रावधानों के अनुसार आय-कर विवरणिका (ITR) दाखिल करने की आवश्यकता होती हैं, लेकिन निर्धारित समय सीमा के भीतर आय-कर विवरणिका दाखिल नहीं की हो तो देरी से भरने का शुल्क जमा करना होगा |
234 F के तहत कितना शुल्क चार्ज किया जा सकता है?
यदि कटौती के बाद आपकी कुल आय 5 लाख से अधिक है तो...
आय-कर विवरणिका 31 जुलाई के बाद और 31 दिसंबर से पहले दाखिल करवाई जाती हैं तो शुल्क की राशि रु 5000/- होगी
आय-कर विवरणिका 31 दिसंबर के बाद दाखिल करवाई जाती हैं अथवा अन्य किसी मामले में शुल्क की राशि रु 10000/- होगी
परन्तु, यदि आपकी कुल आय 5 लाख से कम या बराबर है तो शुल्क की राशि रु 1000 रुपये होगी |
234 F किस पर लागू होता है?
यह (व्यक्तिगत, HUF, कंपनी, फर्म, AOP इत्यादि) सहित सभी व्यक्तियों पर लागू होता है, जिन्हें आय-कर अधिनियम द्वारा आय-कर विवरणिका (ITR) दाखिल करवाना अनिवार्य हो |
234 F के शुल्क का भुगतान कैसे करें?
इसे वित्त वर्ष 2017-18 और उसके बाद से, खुद से कर निर्धारण के तहत चालान 280 के माध्यम से भुगतान किया जा सकता है |
चेतावनी
सावधान रहे! धारा 234F वित्त वर्ष 2017-18 (या निर्धारण वर्ष 2018-19) की आय-कर विवरणिका दाखिल करने पर और उसके बाद से लागू होगी |
इसका मतलब है कि अगर वित्त वर्ष 2017-18 की आय-कर विवरणिका देय तिथि के बाद दाखिल की जाती है, तो आपको देरी शुल्क का भुगतान करना होगा।
Income Tax Rebate Under Section 87A
What is Rebate u/s 87A
It is a benefit which is provided to lower income group in their tax
amount up to a "prescribed" limit.
For availing this benefit , your income must be up to Rs. 3,50,000
during F.Y17-18.
Note: This is an additional benefit provided over and above
the benefit of basic exemption limit to the small taxpayers.
What is the amount?
For FY 2017-18 & FY 2018-19, the amount of rebate shall be lower of :
Tax payable or
Rs 2,500
For Example : If your income is up to Rs. 3,50,000 then you will get rebate of Rs.2500. Consequently, your tax liability would be zero.
Who can Claim Rebate u/s 87A ?
A. An individual whose total income is up to Rs. 3.5 lakhs is eligible to claim benefit u/s 87A. Here, total income means the sum of all incomes after deductions u/s 80.
AND
B. Another thing to be kept in mind is that rebate u/s 87A is available only to a RESIDENT INDIVIDUAL.
Who cannot take benefit of Rebate?
The following assesses cannot claim the rebate u/s 87A even if their total income is below Rs. 3,50,000 :
1. NRI
2. HUF
3. FIRM
4. COMPANY
5. AOP
6. BOI
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1. E-Verification Guide (A simple guide to e-verify your return online) .in
Step 2: Select “e-File” "My Account " and in the drop-down menu select “e-Verify Return”.
3. Step 3: Upon selecting the above option, you’ll get the below screen:
4. Step 4: To e-Verify your return, you have 3 options: Option 1: ‘’I already have an EVC to e-Verify my return” if you already have an EVC generated with you. When you select this option, then a pop will appear asking for EVC. Enter your EVC there and click on submit to complete the e-verification process. Generating Bank EVC through ATM You also have the option to generate EVC through Bank ATM. Go to Bank ATM>Swipe ATM card and enter ATM PIN> you will find the option of “Pin for Income Tax Filing”>Select this option>EVC will be sent to your registered mobile number and email id>Use this EVC in the above mentioned Option 1. Only SBI and Axis bank providing this facility.
5. Option 2: ‘’I do not have an EVC and I would like to generate EVC to e-Verify my return” if you want to generate EVC through which your return will be e-verified. When you select this option, then three options will appear through which you can get EVC.
6. (A) Through Net Banking You will land on the below page if you select the “Net Banking” option. Click on “continue” and a list of banks will appear (next slide) from which select your bank.
7. After selecting bank from the below list, you will be redirected to the homepage of your Bank’s Net Banking page OR you can Login into your Net Banking Account and you will find Income Tax option there. Select it and login to e-filing through the same option to complete the process of e-verification of your ITR..
8. (B) Through Bank Account Number Click “Pre validate your Bank Account” to proceed.
9. Fill the below required details and click on “continue” to generate EVC.
10. (C) Through Demat Account Number Click “Pre validate your Demat Account” to proceed.
11. Fill the below required details and click on “continue” to generate EVC.
12. Option 3: ‘’I would like to generate Aadhaar OTP to e-Verify my return” if you want to e-Verify your return through your Aadhaar Card. OTP will be sent to the mobile number registered with your Aadhaar. Enter the OTP to complete the e- verification process.
13. Log-on to www.tax2win.in Thank You! Note: You can generate EVC directly also if your Gross total Income less deductions is Rs 5 lakhs or less and there is no refund. OTP will be send to your registered Mobile number and Email ID.
Further , Matter that can be added for e-verification of prior year ITRs i.e. after explaining all 3 options :
Recently , income tax department has started the facility for e-verification of prior year ITRS for which the time limit of 120 has lapsed. The process for e-verification of those ITRs is same as explained above , just the difference is marked by mentioning the reasons for the delay. However, be careful while selecting the reason.
Payment of Gratuity Act, 1972
What is gratuity and what is tax treatment of gratuity.
To calculate gratuity tax treatment in advance use: https://tax2win.in/tax-tools/gratuity-calculator
to know more about gratuity: https://blog.tax2win.in/need-know-gratuity/
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What is Gratuity and how much amount is exempt from tax? To know more about gratuity: https://blog.tax2win.in/need-know-gratuity/
Calculate the amount of gratuity tax treatment of yours well in advance: https://tax2win.in/tax-tools/gratuity-calculator
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The Union Budget 2017 was a budget focused on providing the relief to the middle-class individual taxpayers. Let’s see what Arun Jaitley’s Union Budget 2017 had for the individuals.
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Did you know you can get tax benefit on paying rent. This presentation explains what is HRA and how you can claim it to save tax.
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But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
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Financial Assets: Debit vs Equity Securities.pptx
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
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SWAIAP Fraud Risk Mitigation Prof Oyedokun.pptxGodwin Emmanuel Oyedokun MBA MSc PhD FCA FCTI FCNA CFE FFAR
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
Patronage and Good Governance 5.pptx pptc
kshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewriey kshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruiouioewrieykshhsjdkhfdskdsbhacsscggbjvbgysvbgyjvgreyeruyeyugygjghdjbhbbnjdsfsjdkajldakdjlssoiweruio
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Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
where can I find a legit pi merchant online
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the what'sapp contact of my personal pi merchant to trade with
+12349014282
BYD SWOT Analysis and In-Depth Insights 2024.pptx
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
This assessment plan proposal is to outline a structured approach to evaluati...
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BONKMILLON Unleashes Its Bonkers Potential on Solana.pdf
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
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