GTUG Almaty. Google аналитика в мобильных приложениях.Mblog.kz
В 7 вечера 8 мая 2013 года у нас состоялась встреча посвященная Google аналитике в мобильных приложениях. Напомним, что это первая встреча GTUG в этом году.
Рассказывал об аналитике Константин Пак - chief digital oficer компании CrystalSprings. CrystalSprings известна своими работами, такими как Point+, PitStop, AppStan и другие.
Видео с презентации доступно по ссылке http://mblog.kz/groups/almaty-gtug/google-analytics-in-mobile-apps/
This document provides a summary of Philip Morganti's skills and professional experience as a Project Manager specializing in healthcare projects. It outlines his role leading implementation teams for clinical software at Broward Health from 2012 to present. It also details his previous experience as a Senior Project Manager at MedStar Health from 2001 to 2012 and as a Project Manager at Superior Consultants from 1998 to 2001 where he managed several healthcare projects. His education includes a Bachelor of Science in Medical Technology from Fredonia State University.
El documento presenta 10 ejercicios de programación con arreglos unidimensionales. Los ejercicios incluyen mostrar estadísticas como el máximo, mínimo y promedio de edades de alumnos; ordenar listas de notas e ingresos en sentido inverso; calcular y ordenar utilidades mensuales; contar elementos con un valor dado; e insertar y mostrar elementos en listas ordenadas.
The document contains contact information for an individual named Rocio Hernandez. It lists a website, www.zanteoffice.com, along with an identification number, 104372. In summary, the document provides basic contact details for an individual through a website and identification code.
Este documento presenta la nómina administrativa de tres empleados de Computadores del SINU para el período del 1 al 31 de mayo de 2015. Incluye la información básica, auxilio de transporte, horas extras, comisiones y total devengado para cada empleado, así como mayores y menores deducciones, aportes devengados, deducciones por salud, pensión y otros, total deducido y neto pagado.
This document promotes the website Jodi Logik, which allows users to create matrimony profiles for free. The site uses an algorithm to automatically generate stunning video profiles and allows users to securely share their profile via email. Users can choose from handcrafted themes to reflect their personality and bring out their best qualities to find a match.
GTUG Almaty. Google аналитика в мобильных приложениях.Mblog.kz
В 7 вечера 8 мая 2013 года у нас состоялась встреча посвященная Google аналитике в мобильных приложениях. Напомним, что это первая встреча GTUG в этом году.
Рассказывал об аналитике Константин Пак - chief digital oficer компании CrystalSprings. CrystalSprings известна своими работами, такими как Point+, PitStop, AppStan и другие.
Видео с презентации доступно по ссылке http://mblog.kz/groups/almaty-gtug/google-analytics-in-mobile-apps/
This document provides a summary of Philip Morganti's skills and professional experience as a Project Manager specializing in healthcare projects. It outlines his role leading implementation teams for clinical software at Broward Health from 2012 to present. It also details his previous experience as a Senior Project Manager at MedStar Health from 2001 to 2012 and as a Project Manager at Superior Consultants from 1998 to 2001 where he managed several healthcare projects. His education includes a Bachelor of Science in Medical Technology from Fredonia State University.
El documento presenta 10 ejercicios de programación con arreglos unidimensionales. Los ejercicios incluyen mostrar estadísticas como el máximo, mínimo y promedio de edades de alumnos; ordenar listas de notas e ingresos en sentido inverso; calcular y ordenar utilidades mensuales; contar elementos con un valor dado; e insertar y mostrar elementos en listas ordenadas.
The document contains contact information for an individual named Rocio Hernandez. It lists a website, www.zanteoffice.com, along with an identification number, 104372. In summary, the document provides basic contact details for an individual through a website and identification code.
Este documento presenta la nómina administrativa de tres empleados de Computadores del SINU para el período del 1 al 31 de mayo de 2015. Incluye la información básica, auxilio de transporte, horas extras, comisiones y total devengado para cada empleado, así como mayores y menores deducciones, aportes devengados, deducciones por salud, pensión y otros, total deducido y neto pagado.
This document promotes the website Jodi Logik, which allows users to create matrimony profiles for free. The site uses an algorithm to automatically generate stunning video profiles and allows users to securely share their profile via email. Users can choose from handcrafted themes to reflect their personality and bring out their best qualities to find a match.
O documento lista os artilheiros e seus gols marcados no Campeonato Brasileiro até o momento. Grafite do Santa Cruz lidera com 4 gols, enquanto Felipe Azevedo da Ponte Preta e Rafael Moura do Figueirense dividem a segunda posição com 2 gols cada. Vários outros jogadores aparecem empatados com 1 gol.
Es un brochure donde se trata de dar una breve especificación del producto de la licuadora inalambrica recargable, en el cual se plasma las características, componentes, materiales, y mejoras del producto. Es una herramienta muy practica y sencilla.
This document contains a script for a radio segment between two characters, Jim and Joey. Jim is trying to go through the alphabet with Joey by saying a letter and having Joey respond with a word starting with that letter. However, Joey only responds with song titles starting with the letter instead of single words. When Jim questions this, Joey explains that he is practicing music references for an upcoming trivia competition focused on 1960s and 1970s music.
Teresópolis estará presente ao evento BRITE -Salão Estadual de Turismo-RJ dias 28, 29 e 30 de setembro de 2012 no Pier Mauá, centro da cidade do Rio de Janeiro
This document discusses resources for non-governmental organizations (NGOs) to search for international grants and funding online. It outlines several major international databases that provide profiles of corporate and independent foundations that fund work globally. These databases include the European Foundation Centre, Imagine Canada, United States International Grantmaking, and Grantmakers Without Borders. Membership fees are required to access full profiles of funders on some of these databases. The profiles provide important information for NGOs to determine if funders align with their work and decide which to initially contact.
This document discusses eligibility requirements for international grants for non-governmental organizations (NGOs). It explains that to be eligible for international grants, NGOs must be properly registered in any countries where they operate programs. They must obtain approval letters from the authorities of each host country to demonstrate their legal non-profit status. These approval letters are important documents to include in grant applications to international funders, as funders want to support NGOs working in the areas and countries where they are located. The document stresses the importance of safely storing both physical and electronic copies of approval letters and other key organization documents.
The document discusses federal and state grant opportunities for expanding existing businesses. It outlines two federal grant programs - the Small Business Innovation Research Program (SBIR) and Small Business Technology Transfer Program (STTR). It also notes that states provide grants to support business expansion and economic growth within the state. Business owners are encouraged to research grant opportunities through their state's Department of Commerce and private institutions. While obtaining grants is competitive, the document advises businesses to persistently search for new opportunities.
The document discusses various options for finding grants to help start or expand a business. It notes that the federal government does not typically offer these types of grants directly. However, it indicates that there are some rare opportunities for grants through private sources and state programs. It focuses on business plan competitions as one potential avenue to find grant money, providing examples of large, well-known competitions hosted by institutions like Harvard Business School and the Wharton School that offer cash prizes for the best plans. The document encourages entrepreneurs to regularly search online for new business plan competitions.
Debt hinders people from building wealth by taking up a large portion of their income that could otherwise be saved or invested. The average American household has significant debt, including $7,093 in credit card debt, $33,005 in student loan debt, and $150,000 in mortgage debt. This monthly debt payments can account for a third or more of take-home pay. Getting out of debt is difficult but possible and eliminates those monthly payments, allowing much larger savings and investment over the long run.
The document discusses the dangers of using credit cards. It states that while credit can enable purchases of necessities like cars and houses, credit cards specifically can be bad for finances if not used responsibly. Most people do not treat their credit cards as intended only for emergencies and instead use them for unnecessary purchases. This leads to accumulating debt that many cannot pay off, harming their credit score and limiting future large purchases or job opportunities. The ease of using credit cards without feeling the immediate money leaving one's account contributes to overspending beyond one's means.
Retirees can choose to live permanently on cruise ships or residential vessels as a way to retire. These options provide amenities like food, entertainment, healthcare and housekeeping for a similar daily cost as a retirement home. Living on ships allows retirees to travel the world continuously while still having a comfortable home environment with all of their possessions. Some retirees also choose to purchase property in desirable international locations for occasional use. Companies have started offering residential cruise ships that function like upscale retirement communities with full facilities and services to support living permanently at sea.
Dola (date of last activity) and dofd (date of first delinquency)mortgagecalculator01
The document discusses the Date of Last Activity (DOLA) and Date of First Delinquency (DOF) on credit reports. The DOLA refers to the most recent transaction on an account, while the DOFD refers to when a payment was first 30 days late. The DOFD is important because it determines how long negative items stay on a report. However, credit reports sometimes list the DOLA instead of the DOFD, causing confusion over how long items remain. The Fair Credit Reporting Act states that the DOFD must be used to calculate timelines for removing derogatory information. Consumers can contact credit bureaus to request the specific date an item will be deleted from their report
Retirement can lead to depression for some people who lose their social support network and sense of purpose after leaving the workplace. Common signs of depression include constant tiredness, lack of motivation, mood changes, and withdrawing from friends and family. It is important to seek help for depression because it is treatable and not a sign of weakness. Allowing yourself time to grieve the end of your work career can help with the transition to retirement.
This document provides two sample letters that can be sent to creditors to request the removal of unauthorized hard inquiries from a credit report. The letters begin by stating that an inquiry appeared on their credit report that was not authorized. They request the creditor to remove the inquiry as it is affecting their ability to get credit. The letters are sent via certified mail for documentation. The second letter provides more details of the specific unauthorized inquiries and cites the Fair Credit Reporting Act that unauthorized inquiries violate. It requests confirmation once the inquiries are removed.
To claim exclusions on discharged debt, you must file Form 982 with your tax return. On the form, you check the boxes for the exclusions you are claiming and report the total excluded amount. Any excluded income also reduces your tax attributes, such as losses, deductions, and credits. For regular taxpayers, this usually means reducing the basis of your home. If your debt was from your primary residence, you only need to reduce the home basis and keep the property. Seeking tax preparation help may be advisable to correctly file Form 982 and Form 1099-C reporting canceled debt.
The document provides tips for saving money and avoiding temptations that prevent saving. It notes that while many want to save, temptations often lead to spending money intended for savings. It then lists six tips: avoid stores and items that tempt unneeded spending; make grocery lists and only buy necessities; only go to malls when needed to prevent impulse buys; leave credit cards at home to avoid unnecessary purchases; save in accounts like time deposits that make money less accessible; and consult a financial advisor for help avoiding temptations and saving more.
There are several types of forgiven debts that are not considered taxable income. Debts discharged through bankruptcy under Chapter 11, which is usually filed by corporations, are not taxable. Additionally, the Mortgage Forgiveness Debt Relief Act exempts income from discharged mortgage debt on a primary residence of up to $2 million from 2007 to 2012. Insolvency is also an exclusion where if the fair market value of one's assets is less than their liabilities before debt is forgiven, the forgiven amount up to the insolvency is not taxable. Finally, student loans or loans related to farming or real estate business that are forgiven due to provisions in the original terms are not considered taxable income.
O documento lista os artilheiros e seus gols marcados no Campeonato Brasileiro até o momento. Grafite do Santa Cruz lidera com 4 gols, enquanto Felipe Azevedo da Ponte Preta e Rafael Moura do Figueirense dividem a segunda posição com 2 gols cada. Vários outros jogadores aparecem empatados com 1 gol.
Es un brochure donde se trata de dar una breve especificación del producto de la licuadora inalambrica recargable, en el cual se plasma las características, componentes, materiales, y mejoras del producto. Es una herramienta muy practica y sencilla.
This document contains a script for a radio segment between two characters, Jim and Joey. Jim is trying to go through the alphabet with Joey by saying a letter and having Joey respond with a word starting with that letter. However, Joey only responds with song titles starting with the letter instead of single words. When Jim questions this, Joey explains that he is practicing music references for an upcoming trivia competition focused on 1960s and 1970s music.
Teresópolis estará presente ao evento BRITE -Salão Estadual de Turismo-RJ dias 28, 29 e 30 de setembro de 2012 no Pier Mauá, centro da cidade do Rio de Janeiro
This document discusses resources for non-governmental organizations (NGOs) to search for international grants and funding online. It outlines several major international databases that provide profiles of corporate and independent foundations that fund work globally. These databases include the European Foundation Centre, Imagine Canada, United States International Grantmaking, and Grantmakers Without Borders. Membership fees are required to access full profiles of funders on some of these databases. The profiles provide important information for NGOs to determine if funders align with their work and decide which to initially contact.
This document discusses eligibility requirements for international grants for non-governmental organizations (NGOs). It explains that to be eligible for international grants, NGOs must be properly registered in any countries where they operate programs. They must obtain approval letters from the authorities of each host country to demonstrate their legal non-profit status. These approval letters are important documents to include in grant applications to international funders, as funders want to support NGOs working in the areas and countries where they are located. The document stresses the importance of safely storing both physical and electronic copies of approval letters and other key organization documents.
The document discusses federal and state grant opportunities for expanding existing businesses. It outlines two federal grant programs - the Small Business Innovation Research Program (SBIR) and Small Business Technology Transfer Program (STTR). It also notes that states provide grants to support business expansion and economic growth within the state. Business owners are encouraged to research grant opportunities through their state's Department of Commerce and private institutions. While obtaining grants is competitive, the document advises businesses to persistently search for new opportunities.
The document discusses various options for finding grants to help start or expand a business. It notes that the federal government does not typically offer these types of grants directly. However, it indicates that there are some rare opportunities for grants through private sources and state programs. It focuses on business plan competitions as one potential avenue to find grant money, providing examples of large, well-known competitions hosted by institutions like Harvard Business School and the Wharton School that offer cash prizes for the best plans. The document encourages entrepreneurs to regularly search online for new business plan competitions.
Debt hinders people from building wealth by taking up a large portion of their income that could otherwise be saved or invested. The average American household has significant debt, including $7,093 in credit card debt, $33,005 in student loan debt, and $150,000 in mortgage debt. This monthly debt payments can account for a third or more of take-home pay. Getting out of debt is difficult but possible and eliminates those monthly payments, allowing much larger savings and investment over the long run.
The document discusses the dangers of using credit cards. It states that while credit can enable purchases of necessities like cars and houses, credit cards specifically can be bad for finances if not used responsibly. Most people do not treat their credit cards as intended only for emergencies and instead use them for unnecessary purchases. This leads to accumulating debt that many cannot pay off, harming their credit score and limiting future large purchases or job opportunities. The ease of using credit cards without feeling the immediate money leaving one's account contributes to overspending beyond one's means.
Retirees can choose to live permanently on cruise ships or residential vessels as a way to retire. These options provide amenities like food, entertainment, healthcare and housekeeping for a similar daily cost as a retirement home. Living on ships allows retirees to travel the world continuously while still having a comfortable home environment with all of their possessions. Some retirees also choose to purchase property in desirable international locations for occasional use. Companies have started offering residential cruise ships that function like upscale retirement communities with full facilities and services to support living permanently at sea.
Dola (date of last activity) and dofd (date of first delinquency)mortgagecalculator01
The document discusses the Date of Last Activity (DOLA) and Date of First Delinquency (DOF) on credit reports. The DOLA refers to the most recent transaction on an account, while the DOFD refers to when a payment was first 30 days late. The DOFD is important because it determines how long negative items stay on a report. However, credit reports sometimes list the DOLA instead of the DOFD, causing confusion over how long items remain. The Fair Credit Reporting Act states that the DOFD must be used to calculate timelines for removing derogatory information. Consumers can contact credit bureaus to request the specific date an item will be deleted from their report
Retirement can lead to depression for some people who lose their social support network and sense of purpose after leaving the workplace. Common signs of depression include constant tiredness, lack of motivation, mood changes, and withdrawing from friends and family. It is important to seek help for depression because it is treatable and not a sign of weakness. Allowing yourself time to grieve the end of your work career can help with the transition to retirement.
This document provides two sample letters that can be sent to creditors to request the removal of unauthorized hard inquiries from a credit report. The letters begin by stating that an inquiry appeared on their credit report that was not authorized. They request the creditor to remove the inquiry as it is affecting their ability to get credit. The letters are sent via certified mail for documentation. The second letter provides more details of the specific unauthorized inquiries and cites the Fair Credit Reporting Act that unauthorized inquiries violate. It requests confirmation once the inquiries are removed.
To claim exclusions on discharged debt, you must file Form 982 with your tax return. On the form, you check the boxes for the exclusions you are claiming and report the total excluded amount. Any excluded income also reduces your tax attributes, such as losses, deductions, and credits. For regular taxpayers, this usually means reducing the basis of your home. If your debt was from your primary residence, you only need to reduce the home basis and keep the property. Seeking tax preparation help may be advisable to correctly file Form 982 and Form 1099-C reporting canceled debt.
The document provides tips for saving money and avoiding temptations that prevent saving. It notes that while many want to save, temptations often lead to spending money intended for savings. It then lists six tips: avoid stores and items that tempt unneeded spending; make grocery lists and only buy necessities; only go to malls when needed to prevent impulse buys; leave credit cards at home to avoid unnecessary purchases; save in accounts like time deposits that make money less accessible; and consult a financial advisor for help avoiding temptations and saving more.
There are several types of forgiven debts that are not considered taxable income. Debts discharged through bankruptcy under Chapter 11, which is usually filed by corporations, are not taxable. Additionally, the Mortgage Forgiveness Debt Relief Act exempts income from discharged mortgage debt on a primary residence of up to $2 million from 2007 to 2012. Insolvency is also an exclusion where if the fair market value of one's assets is less than their liabilities before debt is forgiven, the forgiven amount up to the insolvency is not taxable. Finally, student loans or loans related to farming or real estate business that are forgiven due to provisions in the original terms are not considered taxable income.
1. How Credit Card Forgiveness Affects your Taxes
Credit Card Forgiveness and the 1099-C
You breathe a sigh of relief. You have just successfully negotiated a debt settlement
agreement with one of your creditors. They agreed to receive $10,000 for the $25,000 credit
card debt you originally owed to them and consider it as full payment of your account. But
before you open that bottle of champagne, there is something you need to know: The
taxman will be coming with a 1099-C. In plain and simple language, the debt which you
have been forgiven is considered taxable income.
The Internal Revenue Service (IRS) states that cancellation of debt is taxable as ordinary
income. This is provided for under Section 61 (a)(12) of the Internal Revenue Code which
states that “income from discharge of indebtedness” is considered gross income and is thus
taxable. This happens when a creditor cancels at least $600 of the debt you owe them
without receiving anything in return. So in our example above, the $15,000 which was
forgiven will have to be reported in the 1099-C, also known as the Cancellation of Debt
form.
Cancelled debts owed to a financial institution, the Federal government, a credit union, a
military department, the U.S. Postal Service, or any organization having a significant trade
or business of lending money need to be reported in the 1099-C. Aside from credit card
debt, a COD can also arise when you foreclose your personal residence or cancel an
automobile loan.
How can the IRS trace a COD? Lenders report it to them. Now don’t take this personally. It
is common practice for creditors to report uncollectible debts, charge-offs, and debts settled
for less than the full payment to reduce their tax liabilities. The income that they have
declared lost, however, has serious ramifications for the taxpayer as it could mean a sizable
tax bill when mid-April comes around.
Not all consumers are apprised of the 1099-C. In fact, many of them simply ignore or trash
these notices since these are usually sent by creditors or debt collection agencies to the
debtors. They believe that these COD forms are not anymore necessary inasmuch as they
have already settled their accounts with these lenders and have the papers to prove it.
Because they don’t file it together with their federal income tax returns, they risk not only
penalties and fines but audits from the Internal Revenue Service.
Accuracy is one of the things that consumers should be vigilant about when it comes to
filling out their 1099-C. You may have agreed to settle your debt for $10,000 but the lender
reflected a settlement amount of $15,000 in the COD form. In all likelihood, they factored in
all the costs involved in getting the debt lowered. You should contact the lender first if there
is a discrepancy in what is reflected in the 1099 and the amount of debt settlement that you
agreed with the lender. You can dispute the fair market value written on the form provided
that you have information from reliable sources to support your claim. Otherwise, the IRS
will take what is given by the form to be correct. A forgiven amount that is higher than what
was agreed upon during the debt settlement might result in you having to pay more taxes
than you should.
2. Find more articles on debt management by visiting this site:
www.consolidatedebtguide.org.
Here are more interesting articles:
How Does A Debt Management Program Work?
Debt Management – Keeping A Check On Your Finances
How to create a personal financial plan
Money Matters | The Importance of Statute Limitations and Debt Validation