The document summarizes recent news and reports within the Australian superannuation industry. It discusses a speech from the Financial Services Council CEO on the state of the financial services industry and an upcoming tax white paper. It also summarizes an APRA report on MySuper products fees and returns, details on a new SMSF practitioner accreditation program, and EquipSuper expanding member benefits through a wellbeing program.
LLP or Company: How to Choose the Right Legal Entity For Your BusinessVirendra Pandey
Startups and small business owners at some stage feel the need to incorporate. Choosing the right legal entity for your business is a very critical decision to make. We have tried to draw a comparison between the two.
Lincoln crowne Engineering Contractors Weekly Report Edition 134 30102015Lincoln Crowne & Company
Lincoln Crowne & Company Weekly market update on the Australian Engineering & Mining Services Contracting Sector.
Edition 134 covers valuations of companies in sector and recent deals announced and advanced
Innovations in post retirement products and servicesStephen Huppert
Presentation at IBRC Post Retirement Conference 9 October 2017 covering:
A look at innovative products and services covering both the design and delivery of products and services
What will be the impact of emerging technologies on post retirement products and services?
What can superannuation funds and wealth managers learn from innovation and disruption in other industries?
LLP or Company: How to Choose the Right Legal Entity For Your BusinessVirendra Pandey
Startups and small business owners at some stage feel the need to incorporate. Choosing the right legal entity for your business is a very critical decision to make. We have tried to draw a comparison between the two.
Lincoln crowne Engineering Contractors Weekly Report Edition 134 30102015Lincoln Crowne & Company
Lincoln Crowne & Company Weekly market update on the Australian Engineering & Mining Services Contracting Sector.
Edition 134 covers valuations of companies in sector and recent deals announced and advanced
Innovations in post retirement products and servicesStephen Huppert
Presentation at IBRC Post Retirement Conference 9 October 2017 covering:
A look at innovative products and services covering both the design and delivery of products and services
What will be the impact of emerging technologies on post retirement products and services?
What can superannuation funds and wealth managers learn from innovation and disruption in other industries?
Yet another busy month with five major superannuation reforms introduced to Parliament. The Bills relate to promoting Member Outcomes, Housing Affordability, Independent Directors on Trustee Boards, Complaints or Dispute Resolution, and extending Choice of Fund.
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
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
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.
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
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
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
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
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.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
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.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
USDA Loans in California: A Comprehensive Overview.pptx
QMV SuperBrief Issue #8 of 2015
1. While all care has been taken to ensure the accuracy
of the information presented, QMV Super Solutions
is not responsible for any loss or damage suffered in
relying on the information presented.
QMV
QMV Super Solutions specialise in the delivery of world-class technology
and business solutions for the superannuation and wealth management
industries. With a fresh approach to solving complex process issues, our
tailored solutions are delivered by a bright young team who are experts in
their fields, and passionate about results.
qmvsupersolutions.com
SuperBrief Independent & Concise
Issue #8 of 2015: Friday, 27th
February
FINANCIALSERVICESCOUNCIL
Sally Loane, chief executive of
the Financial Services Council
(FSC) delivered her inaugural
speech at the Deloitte
Leadership Series. The speech
covered various topics on the
state of the financial services
industry and welcomed the
impending Treasury tax white
paper process.
Source: Financial Services Council
APRAREPORTING
The Australian Prudential
Regulation Authority (APRA)
recently published its MySuper
Statistics report for the
December 2014 quarter. This
report ranks the 116 registered
MySuper products by their fees
and net returns.
The report found that the best
net investment return in the
December quarter was Emplus
MySuper product with 5.25 per
cent and the cheapest was
Bendigo MySuper at 20 basis
points (bps).
Source: Super Review
SELFMANAGEDSUPERFUNDS
Details behind the Self
Managed Superannuation Fund
(SMSF) Certified Practitioner
accreditation have been
published by the SMSF
association.
The program is currently being
piloted with an expected full
launch in June this year. It will
be available to all SMSF
Association members.
Source: Financial Standards
INDUSTRYSUPERFUNDS
EquipSuper has broadened its
employer and member benefits
offering, with the introduction of
the SuperFriend programs.
The SuperFriend program is an
initiative created by Industry
Super Funds that runs a number
of mental health and wellbeing
programs.
Source: Super Review
SUPERSTATISTICS
Club Plus Super recently
commissioned a survey into the
gap between retirement
objectives and contributions
levels. The survey found that
only 24.5 per cent of Australians
where making additional
contributions in order to reach
their retirement goals.
Source: Super Review
Roy Morgan conducted a
survey across the big 4 banks
(CBA, NAB, ANZ and Westpac)
which found that the banks
secured less than one-fifth of
their customers superannuation
business.
NAB had the highest share at
18.5 per cent and ANZ had the
lowest share at 11.6 per cent.
Source: InvestorDaily
REGULATION
The Australian Securities and
Investment Commission (ASIC)
has issued Equity Trustees
Limited and Como Financial
Services with penalties of
$20,400 each due to potentially
misleading promotional
information on their Good Super
superannuation fund.
ASIC’s infringement notice
stated that they had breached
the act by making false or
misleading representation on
the Good Super website as to
the performance
characteristics and use of
services offered by the Good
Super fund.
Source: Money Management
WOMENINSUPER
Women in Super (WIS) and the
Australian Graduate School of
Management (AGSM) have
entered into a partnership to
offer scholarships for NSW WIS
members. The scholarships are
for Executive Education
programs which are aimed at
fast tracking careers in the
superannuation industry.
Source: Financial Standard