The document summarizes a case regarding a request to demolish the existing main structure at 517 Alta in order to construct a new single family home and detached accessory structure. There were initial concerns about the size of the home, setbacks, privacy, tree removal, and a requested privacy fence. The applicant addressed these concerns by maintaining the home and garage setbacks, providing new vegetation screening, minimizing privacy impacts of windows, mitigating for tree removal on site, and removing the privacy fence from plans.
The chaste bond of love between a brother and a sister is one of the deepest and noblest of human emotions. 'Raksha Bandhan' or 'Rakhi' is a special occasion to celebrate this emotional bonding by tying a holy thread around the wrist.
Sales-Retail Mgmt-Admin Mgmt-Alicia LewisAlicia Lewis
Alicia Lewis has over 21 years of experience in customer service, retail management, and administrative leadership. She has a strong track record of using data analysis to improve performance and increase revenue. Her diverse management experience has helped her develop strong communication, training, and coaching skills. She is proficient in various learning management systems and possesses a wide range of technical and soft skills.
Los derechos de autor protegen los derechos morales y patrimoniales de los autores sobre sus obras literarias, artísticas o científicas. La violación de los derechos de autor, conocida como plagio, implica copiar ilegalmente una obra protegida y presentarla como propia. El plagio puede darse cuando libros, películas, inventos u obras de arte son muy similares a las originales.
This document proposes the Central Postal Card System (Cpost) to introduce a new way for customers to pay utility bills through postmen using reloadable plastic cards. The system would allow cardholders to pay electricity, water, and telephone bills conveniently on weekends without having to handle cash. Payments would be processed electronically through the bank's network. It is estimated that over 1 million new bill payments could generate around 15 million rupees in monthly income for the bank. The system aims to reduce the use of cash and help transition Sri Lanka to a cashless society, while creating new jobs and economic opportunities.
Natechanok Kulabthong is a business consultant with over 10 years of experience in IT consulting, business analysis, and software development. She has expertise in business process management, workflow design, requirements gathering, and implementing enterprise imaging and workflow solutions. Her experience includes managing projects and teams for clients in banking, insurance, and telecommunications. She holds a Master's degree in Entrepreneurship and Innovation and seeks a position as a business consultant.
The document summarizes a case regarding a request to demolish the existing main structure at 517 Alta in order to construct a new single family home and detached accessory structure. There were initial concerns about the size of the home, setbacks, privacy, tree removal, and a requested privacy fence. The applicant addressed these concerns by maintaining the home and garage setbacks, providing new vegetation screening, minimizing privacy impacts of windows, mitigating for tree removal on site, and removing the privacy fence from plans.
The chaste bond of love between a brother and a sister is one of the deepest and noblest of human emotions. 'Raksha Bandhan' or 'Rakhi' is a special occasion to celebrate this emotional bonding by tying a holy thread around the wrist.
Sales-Retail Mgmt-Admin Mgmt-Alicia LewisAlicia Lewis
Alicia Lewis has over 21 years of experience in customer service, retail management, and administrative leadership. She has a strong track record of using data analysis to improve performance and increase revenue. Her diverse management experience has helped her develop strong communication, training, and coaching skills. She is proficient in various learning management systems and possesses a wide range of technical and soft skills.
Los derechos de autor protegen los derechos morales y patrimoniales de los autores sobre sus obras literarias, artísticas o científicas. La violación de los derechos de autor, conocida como plagio, implica copiar ilegalmente una obra protegida y presentarla como propia. El plagio puede darse cuando libros, películas, inventos u obras de arte son muy similares a las originales.
This document proposes the Central Postal Card System (Cpost) to introduce a new way for customers to pay utility bills through postmen using reloadable plastic cards. The system would allow cardholders to pay electricity, water, and telephone bills conveniently on weekends without having to handle cash. Payments would be processed electronically through the bank's network. It is estimated that over 1 million new bill payments could generate around 15 million rupees in monthly income for the bank. The system aims to reduce the use of cash and help transition Sri Lanka to a cashless society, while creating new jobs and economic opportunities.
Natechanok Kulabthong is a business consultant with over 10 years of experience in IT consulting, business analysis, and software development. She has expertise in business process management, workflow design, requirements gathering, and implementing enterprise imaging and workflow solutions. Her experience includes managing projects and teams for clients in banking, insurance, and telecommunications. She holds a Master's degree in Entrepreneurship and Innovation and seeks a position as a business consultant.
Usse average internal rate of return (airr), don't use internal rate of retur...Futurum2
This is to document the email correspondences with Prof. Peter M. DeMarzo (Stanford University) and Prof. Carlo Alberto Magni with regards to Average Internal Rate of Return in Dec 2015.
Are P/E Ratios a Poor Measure of Value? Valuation LinkedIn DiscussionFuturum2
This group is dedicated to business valuation professionals and includes discussions on various topics related to business valuation. Recent discussions include comments on an article about flaws in using price to earnings ratios to measure value, with members agreeing the accounting earnings used can be unreliable. Other discussions focus on returns on invested capital being an important metric, the difference between stock pricing and business value, and the importance of entity-specific risks to management versus market risks.
Use average internal rate of return (airr), don't use internal rate of return...Futurum2
This document summarizes communications between Prof. Carlo Alberto Magni and an individual asking about the Average Internal Rate of Return (AIRR) methodology. Prof. Magni explains that AIRR overcomes flaws in the traditional Internal Rate of Return (IRR) approach by taking a weighted average of internal rates of return using the cost of capital as weights, rather than assuming reinvestment at the IRR. He provides references for papers elaborating on the shortcomings of IRR and advantages of AIRR. The discussion includes examples of calculating interim investment values and rates of return used in AIRR. While maintaining the IRR acronym, Prof. Magni acknowledges AIRR is a misnomer as the
A quick comment on pablo fernandez' article capm an absurd model draftFuturum2
This is to document email correspondence with Prof. Peter M. DeMarzo (Stanford University, USA) and Ignacio Velez-Pareja (Columbia) with regards to the article by Pablo Fernandez posted at SSRN.com under the title "CAPM: An Absurd Model"
Summing up about growing and non growing perpetuities wacc levered and tax sa...Futurum2
In this note we reconsider in detail the proper discount rate for cash flows in perpetuity, the present value of tax savings and the calculation of terminal value. The note clarifies the use of real discount rates and concludes with a formulation that is inflation-neutral for a given assumption on the discount rate for the tax savings. We find that the only discount rate for tax savings that makes the value of the perpetuity inflation-neutral is Kd, the cost of debt. We also reconsider the intuitive approach to calculate the cost of capital for perpetuities from the nominal rates that compose that cost of capital, and then
converting it into real cost of capital using Fisher relationship.
Ignacio Velez-Pareja : From the Slide Rule to the Black BerryFuturum2
1. The document discusses using financial modeling as a tool for business valuation and value management, rather than just for transactions like selling or buying a company.
2. It proposes developing a comprehensive financial model with traditional statements plus a cash budget to estimate how decisions impact future cash flows and value. This allows management to proactively shape the future rather than just reacting to the past.
3. The model incorporates factors like inflation, growth, and policies to evaluate risks and test scenarios. It is based on double-entry accounting to help ensure accuracy and identify errors.
Surplus revaluasi atau penilaian kembali aset tetapFuturum2
Dokumen tersebut membahas tentang apakah akun "Surplus Revaluasi Aset Tetap" dapat direklasifikasi menjadi akun "Modal Saham". PSAK dan IAS mengijinkan reklasifikasi surplus revaluasi ke saldo laba, namun tidak mengijinkan reklasifikasi ke akun lain seperti modal saham. Aturan pajak mengizinkan kapitalisasi surplus revaluasi menjadi modal saham, namun hal ini bertentangan dengan standar akuntansi.
Perpetuity and growing pepetuity formula derivationFuturum2
This 7-page document from www.futurumcorfinan.com discusses the derivation of formulas for calculating the present value of perpetuities and growing perpetuities. It is written in Indonesian and contains multiple pages of equations and analysis. The document prohibits copying or distributing its contents without written permission from the author. It directs readers with questions or comments to the website and notes that all rights are reserved by FUTURUM.
15-minute lesson- watch out the formula that you use for roa (return on assets)Futurum2
The document is a 15-minute lesson on the formula used to calculate return on assets (ROA). It cautions readers to watch out for the formula they use for ROA calculations. The 8-page document is from the website www.futurumcorfinan.com and contains a disclaimer stating that the opinions expressed are those of FUTURUM as of the date written and are subject to change. It also states that the document may not be reproduced without written permission from the authors and FUTURUM.
Akuisisi aset atau akuisisi bisnis asc topic 805Futurum2
Transaksi akuisisi aset atau bisnis memiliki konsekuensi akuntansi dan pajak yang berbeda. FASB mempersempit definisi bisnis dalam ASU Topic 805 dengan menekankan bahwa suatu himpunan harus memiliki input dan proses substantif untuk menghasilkan output. Revisi ini dimaksudkan untuk memberi panduan lebih jelas dalam menentukan apakah suatu transaksi merupakan akuisisi aset atau bisnis.
Apakah perhitungan biaya kapital rata rata tertimbang (wacc) dalam capital bu...Futurum2
Dokumen tersebut membahas tentang perhitungan Weighted Average Cost of Capital (WACC) yang tepat dalam capital budgeting perusahaan. WACC merupakan rata-rata tertimbang dari biaya komponen modal dan pinjaman perusahaan, namun perhitungannya perlu mempertimbangkan dampak perubahan rasio leverage terhadap biaya modal dan pinjaman.
How to Invest in Cryptocurrency for Beginners: A Complete GuideDaniel
Cryptocurrency is digital money that operates independently of a central authority, utilizing cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies are decentralized and typically operate on a technology called blockchain. Each cryptocurrency transaction is recorded on a public ledger, ensuring transparency and security.
Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
Usse average internal rate of return (airr), don't use internal rate of retur...Futurum2
This is to document the email correspondences with Prof. Peter M. DeMarzo (Stanford University) and Prof. Carlo Alberto Magni with regards to Average Internal Rate of Return in Dec 2015.
Are P/E Ratios a Poor Measure of Value? Valuation LinkedIn DiscussionFuturum2
This group is dedicated to business valuation professionals and includes discussions on various topics related to business valuation. Recent discussions include comments on an article about flaws in using price to earnings ratios to measure value, with members agreeing the accounting earnings used can be unreliable. Other discussions focus on returns on invested capital being an important metric, the difference between stock pricing and business value, and the importance of entity-specific risks to management versus market risks.
Use average internal rate of return (airr), don't use internal rate of return...Futurum2
This document summarizes communications between Prof. Carlo Alberto Magni and an individual asking about the Average Internal Rate of Return (AIRR) methodology. Prof. Magni explains that AIRR overcomes flaws in the traditional Internal Rate of Return (IRR) approach by taking a weighted average of internal rates of return using the cost of capital as weights, rather than assuming reinvestment at the IRR. He provides references for papers elaborating on the shortcomings of IRR and advantages of AIRR. The discussion includes examples of calculating interim investment values and rates of return used in AIRR. While maintaining the IRR acronym, Prof. Magni acknowledges AIRR is a misnomer as the
A quick comment on pablo fernandez' article capm an absurd model draftFuturum2
This is to document email correspondence with Prof. Peter M. DeMarzo (Stanford University, USA) and Ignacio Velez-Pareja (Columbia) with regards to the article by Pablo Fernandez posted at SSRN.com under the title "CAPM: An Absurd Model"
Summing up about growing and non growing perpetuities wacc levered and tax sa...Futurum2
In this note we reconsider in detail the proper discount rate for cash flows in perpetuity, the present value of tax savings and the calculation of terminal value. The note clarifies the use of real discount rates and concludes with a formulation that is inflation-neutral for a given assumption on the discount rate for the tax savings. We find that the only discount rate for tax savings that makes the value of the perpetuity inflation-neutral is Kd, the cost of debt. We also reconsider the intuitive approach to calculate the cost of capital for perpetuities from the nominal rates that compose that cost of capital, and then
converting it into real cost of capital using Fisher relationship.
Ignacio Velez-Pareja : From the Slide Rule to the Black BerryFuturum2
1. The document discusses using financial modeling as a tool for business valuation and value management, rather than just for transactions like selling or buying a company.
2. It proposes developing a comprehensive financial model with traditional statements plus a cash budget to estimate how decisions impact future cash flows and value. This allows management to proactively shape the future rather than just reacting to the past.
3. The model incorporates factors like inflation, growth, and policies to evaluate risks and test scenarios. It is based on double-entry accounting to help ensure accuracy and identify errors.
Surplus revaluasi atau penilaian kembali aset tetapFuturum2
Dokumen tersebut membahas tentang apakah akun "Surplus Revaluasi Aset Tetap" dapat direklasifikasi menjadi akun "Modal Saham". PSAK dan IAS mengijinkan reklasifikasi surplus revaluasi ke saldo laba, namun tidak mengijinkan reklasifikasi ke akun lain seperti modal saham. Aturan pajak mengizinkan kapitalisasi surplus revaluasi menjadi modal saham, namun hal ini bertentangan dengan standar akuntansi.
Perpetuity and growing pepetuity formula derivationFuturum2
This 7-page document from www.futurumcorfinan.com discusses the derivation of formulas for calculating the present value of perpetuities and growing perpetuities. It is written in Indonesian and contains multiple pages of equations and analysis. The document prohibits copying or distributing its contents without written permission from the author. It directs readers with questions or comments to the website and notes that all rights are reserved by FUTURUM.
15-minute lesson- watch out the formula that you use for roa (return on assets)Futurum2
The document is a 15-minute lesson on the formula used to calculate return on assets (ROA). It cautions readers to watch out for the formula they use for ROA calculations. The 8-page document is from the website www.futurumcorfinan.com and contains a disclaimer stating that the opinions expressed are those of FUTURUM as of the date written and are subject to change. It also states that the document may not be reproduced without written permission from the authors and FUTURUM.
Akuisisi aset atau akuisisi bisnis asc topic 805Futurum2
Transaksi akuisisi aset atau bisnis memiliki konsekuensi akuntansi dan pajak yang berbeda. FASB mempersempit definisi bisnis dalam ASU Topic 805 dengan menekankan bahwa suatu himpunan harus memiliki input dan proses substantif untuk menghasilkan output. Revisi ini dimaksudkan untuk memberi panduan lebih jelas dalam menentukan apakah suatu transaksi merupakan akuisisi aset atau bisnis.
Apakah perhitungan biaya kapital rata rata tertimbang (wacc) dalam capital bu...Futurum2
Dokumen tersebut membahas tentang perhitungan Weighted Average Cost of Capital (WACC) yang tepat dalam capital budgeting perusahaan. WACC merupakan rata-rata tertimbang dari biaya komponen modal dan pinjaman perusahaan, namun perhitungannya perlu mempertimbangkan dampak perubahan rasio leverage terhadap biaya modal dan pinjaman.
How to Invest in Cryptocurrency for Beginners: A Complete GuideDaniel
Cryptocurrency is digital money that operates independently of a central authority, utilizing cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies are decentralized and typically operate on a technology called blockchain. Each cryptocurrency transaction is recorded on a public ledger, ensuring transparency and security.
Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
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.
Fabular Frames and the Four Ratio ProblemMajid Iqbal
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
South Dakota State University degree offer diploma Transcriptynfqplhm
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How Poonawalla Fincorp and IndusInd Bank’s Co-Branded RuPay Credit Card Cater...beulahfernandes8
The eLITE RuPay Platinum Credit Card, a strategic collaboration between Poonawalla Fincorp and IndusInd Bank, represents a significant advancement in India's digital financial landscape. Spearheaded by Abhay Bhutada, MD of Poonawalla Fincorp, the card leverages deep customer insights to offer tailored features such as no joining fees, movie ticket offers, and rewards on UPI transactions. IndusInd Bank's solid banking infrastructure and digital integration expertise ensure seamless service delivery in today's fast-paced digital economy. With a focus on meeting the growing demand for digital financial services, the card aims to cater to tech-savvy consumers and differentiate itself through unique features and superior customer service, ultimately poised to make a substantial impact in India's digital financial services space.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
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.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
What Lessons Can New Investors Learn from Newman Leech’s Success?Newman Leech
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.
KYC Compliance: A Cornerstone of Global Crypto Regulatory FrameworksAny kyc Account
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.
Explore the world of investments with an in-depth comparison of the stock market and real estate. Understand their fundamentals, risks, returns, and diversification strategies to make informed financial decisions that align with your goals.
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.