The Miami Fellows Class VII is comprised of 16 professionals and entrepreneurs working in corporations, law, startups and nonprofits across the county.
The University of Miami Citizens Board is a select group of businesses, professionals and civic leaders who actively support the University's philanthropic efforts and promote UM programs.
Farra is one of eight U.S. accountants acknowledged by the publication. He joins Jack Brister, principal in the Tax and Accounting Department of MBAF, on the list.
As first vice chair, Argiz will work closely with current Chamber Chairman, Phillis Oeters, Alberto Dosal, chairman-elect, & the organization's various committees to further the Chamber's initiatives.
Binelo is MBAF’s Healthcare Audit practice leader and has many years of experience auditing healthcare organizations under Generally Accepted Accounting Principles as well as under accounting practices prescribed by State Offices of Insurance Regulation.
As a director, she specializes in the taxation of financial institutions including foreign investment in the U.S. and investment abroad, as well as providing tax services to national and international public and privately-held companies, and resident and non-resident individuals.
Rosenberg holds a Master of Management from the Kellogg Graduate School of Management at Northwestern University and a Bachelor of Arts from the University of Texas.
The University of Miami Citizens Board is a select group of businesses, professionals and civic leaders who actively support the University's philanthropic efforts and promote UM programs.
Farra is one of eight U.S. accountants acknowledged by the publication. He joins Jack Brister, principal in the Tax and Accounting Department of MBAF, on the list.
As first vice chair, Argiz will work closely with current Chamber Chairman, Phillis Oeters, Alberto Dosal, chairman-elect, & the organization's various committees to further the Chamber's initiatives.
Binelo is MBAF’s Healthcare Audit practice leader and has many years of experience auditing healthcare organizations under Generally Accepted Accounting Principles as well as under accounting practices prescribed by State Offices of Insurance Regulation.
As a director, she specializes in the taxation of financial institutions including foreign investment in the U.S. and investment abroad, as well as providing tax services to national and international public and privately-held companies, and resident and non-resident individuals.
Rosenberg holds a Master of Management from the Kellogg Graduate School of Management at Northwestern University and a Bachelor of Arts from the University of Texas.
Argiz received the award during the United Way Tocqueville Grand Reception at the Coral Gables Estates home of Constance and Mike Fernandez in front of more than 350 of Miami's most generous givers.
Paul M Lawless has been coordinating as a specialized Financial Advisor in Lawless, Edwards & Warren. With his high credentials and partnership with Edward and Warren, he efficiently gave new dimensions to the company’s success.
Brister is one of eight U.S. accountants acknowledged by the publication. He joins Miguel Farra, principal-in-charge of the Tax and Accounting Department of MBAF on the list.
Attorney Jeffrey Weissman is a principal with Gladstone & Weissman PA. Named 2014 and 2016 Family Lawyer of the Year for the Miami metropolitan area, including Ft. Lauderdale and Boca Raton, Jeff Weissman has received a number of other honors over the course of his career as a family law attorney and divorce lawyer, including the Paul May Professionalism in Practice Award from the Broward County Bar Association (BCBA).
Raihan Sayeed: Benefits of Future Business Leaders of America MembershipRaihan Sayeed
As the former vice president of his local Future Business Leaders of America (FBLA) chapter, Raihan Sayeed speaks from first-hand knowledge of the benefits of becoming part of this organization. Ray Sayeed is now an undergraduate student at Loyola University in Chicago.
Argiz has received numerous awards, including the Tocqueville Award for Outstanding Philanthropy, the Greater Miami Chamber of Commerce South Florida Good to Great Award, the Florida International University (FIU) Medallion Award, the Silver Medallion from the Miami Coalition of Christians and Jews (MCCJ), the Claude Pepper Memorial Award, and the Hispanic Heritage Award.
In the past year, we have taken a deep dive into our most pressing challenges in creating a fully diverse and inclusive workplace and actions we can take right now to ignite change in our communities. In our 2020 Annual Report on Diversity & Inclusion, we outline our year that was, and our strategy for 2021.
Annual event hosted by the Maryland Association of CPAs to celebrate the newly licensed CPAs in Maryland. The Acting Commissioner of Occupational & Professional Licensing, Michael Vorgetts administered an oath committing CPAs to protecting the public interest. Members of the State Board of Public Accountancy were on hand to recognize the accomplishments of these new CPAs.
A fact sheet explaining post-production costs, created by the Marcellus Shale Coalition in response to a move by legislators and landowners to pass a law guaranteeing landowners receive a minimum royalty of 12.5%, regardless of post-production costs. The MSC is against such a law.
Energy Vision Report: Tomorrow’s Trucks: Leaving the Era of Oil BehindMarcellus Drilling News
A 72-page report published by the nonprofit Energy Vision detailing how the "refuse sector" (i.e. garbage trucks) in the Northeast are making the change to clean-burning natural gas. The report looks closely at NYC, Long Island and NJ.
Argiz received the award during the United Way Tocqueville Grand Reception at the Coral Gables Estates home of Constance and Mike Fernandez in front of more than 350 of Miami's most generous givers.
Paul M Lawless has been coordinating as a specialized Financial Advisor in Lawless, Edwards & Warren. With his high credentials and partnership with Edward and Warren, he efficiently gave new dimensions to the company’s success.
Brister is one of eight U.S. accountants acknowledged by the publication. He joins Miguel Farra, principal-in-charge of the Tax and Accounting Department of MBAF on the list.
Attorney Jeffrey Weissman is a principal with Gladstone & Weissman PA. Named 2014 and 2016 Family Lawyer of the Year for the Miami metropolitan area, including Ft. Lauderdale and Boca Raton, Jeff Weissman has received a number of other honors over the course of his career as a family law attorney and divorce lawyer, including the Paul May Professionalism in Practice Award from the Broward County Bar Association (BCBA).
Raihan Sayeed: Benefits of Future Business Leaders of America MembershipRaihan Sayeed
As the former vice president of his local Future Business Leaders of America (FBLA) chapter, Raihan Sayeed speaks from first-hand knowledge of the benefits of becoming part of this organization. Ray Sayeed is now an undergraduate student at Loyola University in Chicago.
Argiz has received numerous awards, including the Tocqueville Award for Outstanding Philanthropy, the Greater Miami Chamber of Commerce South Florida Good to Great Award, the Florida International University (FIU) Medallion Award, the Silver Medallion from the Miami Coalition of Christians and Jews (MCCJ), the Claude Pepper Memorial Award, and the Hispanic Heritage Award.
In the past year, we have taken a deep dive into our most pressing challenges in creating a fully diverse and inclusive workplace and actions we can take right now to ignite change in our communities. In our 2020 Annual Report on Diversity & Inclusion, we outline our year that was, and our strategy for 2021.
Annual event hosted by the Maryland Association of CPAs to celebrate the newly licensed CPAs in Maryland. The Acting Commissioner of Occupational & Professional Licensing, Michael Vorgetts administered an oath committing CPAs to protecting the public interest. Members of the State Board of Public Accountancy were on hand to recognize the accomplishments of these new CPAs.
A fact sheet explaining post-production costs, created by the Marcellus Shale Coalition in response to a move by legislators and landowners to pass a law guaranteeing landowners receive a minimum royalty of 12.5%, regardless of post-production costs. The MSC is against such a law.
Energy Vision Report: Tomorrow’s Trucks: Leaving the Era of Oil BehindMarcellus Drilling News
A 72-page report published by the nonprofit Energy Vision detailing how the "refuse sector" (i.e. garbage trucks) in the Northeast are making the change to clean-burning natural gas. The report looks closely at NYC, Long Island and NJ.
Marcellus Shale Coalition Fact Sheet on Post Production Costs and Value for L...Marcellus Drilling News
A fact sheet explaining post-production costs, created by the Marcellus Shale Coalition in response to a move by legislators and landowners to pass a law guaranteeing landowners receive a minimum royalty of 12.5%, regardless of post-production costs. The MSC is against such a law.
A copy of Chesapeake Energy's PowerPoint presentation at the Heikkinen Energy Conference in August 2016. Several slides show Chesapeake's shale drilling strategy, which will focus on the Eagle Ford and Haynesville Shale plays in the near-term.
Report: Are the Atlantic Coast Pipeline and the Mountain Valley Pipeline Nece...Marcellus Drilling News
Faux research conducted by the research-results-for-hire company Synapse Energy Economics. The "research" (and its results) were paid for by two anti-fossil fuel groups: the Southern Environmental Law Center and Appalachian Mountain Advocates. This is not real research but advocacy dressed up as research.
The monthly tabulation and prediction from the U.S. Energy Information Administration on production and activity in the largest 7 U.S. shale plays. All 7 shale plays will experience a decrease in natural gas production from the previous month due to low commodity prices.
Ira has served as an expert witness in trial, and has been involved with litigation cases of bankruptcy, business valuation, contractual disputes, and fraud.
MBAF's five core practice areas consist of assurance, tax and accounting, management advisory (including litigation support), private client wealth, and technology consulting.
Sandra is knowledgeable in various industries including healthcare, high net worth individuals, professional services firms, real estate, shipping, telecommunications and wholesale/distribution.
Hortensia Sampedro Hacker, who previously served as the Director of Marketing, has been promoted to Chief Marketing Officer. The firm also announced Carolina Argiz Orozco has been promoted to Marketing and Business Development Manager, and Jennifer Valdes and Valeria Sanchez have been promoted to Associate Marketing Managers.
De Zayas holds a Master of Business Administration from the University of Miami and a Master of Tax from Florida International University. De Zayas’s previous client base included real estate developers and contractors, shipping, wholesale, retails, telecommunications, export and import, financial services, professionals, televisions stations, agriculture and poultry businesses, among others.
The Moery Company is a fast growing company focused on the revenue growth of associations and nonprofits. We specialize in direct sales for membership, sponsorship, exhibit and advertising sales. Our growing research and consulting offerings, help associations compete through business intelligence and optimization. Annually, our company adds millions of dollars to the bottom lines of our clients, while practicing values of integrity, collaboration, and dedication. We are "all in" for our organization clients.
Associations Like a Successful Business - Moery CompanyJP Moery
The nation's leading association business development firm describes its services in membership, sponsorship and revenue consulting for associations.
Alexandria, VA, is the home of a successful family business focused on growth!
Learn about business certifications as a Minority Business Enterprise and/or a Woman Business Enterprise and how to use these certifications to grow your business.
Escandon has been in practice since 1983, and brings extensive experience in both public accounting and corporate tax practices to the firm's New York office. Previously a partner with a "Big Four" accounting firm, he is knowledgeable in managing a diverse portfolio of clients.
The Members of Smith Elliott Kearns & Company, LLC are pleased to announce that Jodi M. Blair, CPA, Steven D. Lubart, CPA, Timothy E. Peters, CPA and Craig E. Witmer, CPA, CGFM have been elected as Associate Members of the Firm effective January 1, 2013.
Maryland benefit corporations analysis full reportAmy Kincaid
The first study of the first Benefit Corporations and Benefit LLCs in the country in the first state to pass the laws (Maryland), and released by the first Benefit LLC, ChangeMatters. Research was conducted during the 2012 Fall semester by an MBA team at the Robert H. Smith School of Business's Center for Social Value Creation at University of Maryland as part of the Smith Experience.
The Aventura Marketing Council is a leading chamber of commerce in Aventura, Florida. They are a reputed chamber of commerce in South Florida with an accomplished result.
Walsh has been in the marketing and communications field for more than a decade, and is responsible for developing and implementing MBAF ERE’s marketing efforts. She has been a member of the AAM national organization since 2004.
WhiteOwl worked hand-in-hand with the architects from the Miami offices of ADD Inc., Florida Atlantic Construction and Furniture Consultants, Inc. to design, build and furnish every aspect of the space, from the office's color palette of modern whites and shades of blue, to the modern furniture and accents used throughout.
Finkelstein is an authority on various healthcare issues and has presented to medical group administrators, accountants and CFOs on reimbursement, billing and collection best practices, financial reporting and benchmarking, Stark law compliant compensation arrangements, current trends in physician mergers and acquisitions, and tax planning matters.
Marta Alfonso, CPA/CFF, CIRA, JD, will be speaking at the New York State Society of Certified Public Accountants' 2012 Anti-Fraud Conference (NYSSCPA) taking place June 12, 2012 in New York.
Felix has more than 40 years of experience working on a broad range of industries providing expert witness and litigation consulting services in federal and state courts and private arbitrations involving lost profits and other economic damages, forensic accounting and investigations, and accounting malpractice.
The United Way of Miami-Dade created the Center to expand its work in the area of financial prosperity, particularly in response to the challenging economy. The Center provides the tools and resources necessary to help individuals increase and maximize their income including free tax help.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
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.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
NO1 Uk Black Magic Specialist Expert In Sahiwal, Okara, Hafizabad, Mandi Bah...Amil Baba Dawood bangali
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• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
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MBAF's Alexander E. Binelo Named A Miami Fellow by The Miami Foundation
1. MBAF’sAlexander E. Binelo Named A Miami Fellow by The Miami Foundation
MIAMI – May 22, 2013 –AlexanderE. Binelo, CPA and director in the Audit Department of
Morrison, Brown, Argiz & Farra, LLC(MBAF), has been selected as a Miami Fellow by The Miami
Foundation.
As part of the Miami Fellows Class VII, Binelo will participate in a 15-month intensive program
where he and the other members of his class will have the opportunity to develop their personal
leadership styles, connect with influential community leaders, and learn more about the issues
facing Miami. The Miami Fellows Class VII is comprised of 16 professionals and entrepreneurs
working in corporations, law, startups and nonprofits across the county.
“I commend Alex on being named to the newest class of Miami Fellows, and that his dedication to
the community and leadership skills have been recognized by The Miami Foundation,” said Tony
Argiz, chairman and CEO of MBAF. “As the leader of MBAF’s Healthcare Audit practice, Alex has
leveraged his extensive professional experience to serve civic and philanthropic organizations, and
we congratulate him on being recognized for his hard work.”
Binelo is MBAF’s Healthcare Audit practice leader and has many years of experience auditing
healthcare organizations, including Health Maintenance Organizations, hospitals, and durable
medical equipment companies, amongst others. In addition, Binelo has extensive work experience
in the audits of various retail, sports and entertainment and wholesale/distribution organizations.
He is a member of the American Institute of Certified Public Accountants and Florida Institute of
Certified Public Accountants. He is also a board member of the Family Resource Center of South
Florida and the Economic Development Board for the City of Coral Gables, an audit committee
member of the United Way of Miami-Dade, and a healthcare committee member of the Greater
Miami Chamber of Commerce. Binelo attended Florida International University where he earned a
Bachelor of Accounting degree and a Master of Science in Taxation degree.
About MBAF
Morrison, Brown, Argiz & Farra, LLC (MBAF) is the 36th
largest certified public accounting firm in
the nation. For 17 years, INSIDE Public Accounting’s Best of the Best list has ranked MBAF as one
of the top 50 performing firms in the country. More than 400 highly-qualified principals and
employees serve domestic and international clients across a broad range of industries and
practices in more than 44 countries and all 50 states from offices in Miami, New York, Baltimore,
Boca Raton, Boulder, Fort Lauderdale, Orlando, Valhalla (Westchester, NY) and India.
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