Category: Finance

Jack Brown from Invest Islands or the rise of a real estate investor: With a deep-rooted passion for sustainable development, nothing brings Jack more satisfaction than helping investors realise their dreams of owning a slice of paradise and ensuring they exit with an excellent return. Jack is particularly proud of the Invest Islands Foundation who work hard to improve the quality of life of the local communities in Lombok including building a school and building a new recycling centre for waste collected from the ocean.

Nothing brings Jack more satisfaction than helping investors realise their dreams of owning a slice of paradise and ensuring they exit with an excellent return. He is brimming with excitement for the future and has plans to partner with leading resort management companies like Six Senses, now part of the Intercontinental group. He aims to accelerate global marketing and therefore increase occupancy much faster, compared to working with local firms, as well as offering a higher level of maintenance, security and ROI for investors.

Invest Islands on investment opportunities in Hong Kong : Rating agency Moody’s Investor Service (Moody’s) increased the Republic of Indonesia National Credit Rating (SCR) from Baa3 / Positive Outlook to Stable Baa2 / Outlook on April 13, 2018.. As the country’s vulnerability to external shocks declines; macroeconomic stability and fiscal discipline, coupled with ongoing reforms, suggest that policy effectiveness is improving. Standard & Poor’s credit rating for Indonesia stands at BB+ with a positive outlook. Fitch’s credit rating for Indonesia was last reported at BBB- with a positive outlook.

Indonesia’s strong economic growth and favorable demographics make it a great country for investors, but there are several risks that investors should be aware of before committing any capital. For instance, the country’s strong growth makes it a premier target for inflation, while the country has a greater geopolitical risk than developed countries like the United States. Strong Historic Growth. Indonesia has been one of the best performing investments throughout the world economic crisis that began in 2008. In fact, it was the only economy posting any real economic growth in 2011 and continues to grow in the years since.

“Operating across the Asia Pacific region, Invest Islands is a land brokerage company based in Lombok Indonesia, with strategic offices in Hong Kong under Asian Island Group. I currently oversee all of the aspects of the Asian Island Group. I also travel to the development sites and visit the Invest Islands Foundation Charity projects. Additionally, I frequently travel to the plantation field at the foot of Mount Rinjani that supplies fresh fruits and vegetables to the Invest Islands Resort in Torok Bay.”

Few foreign investors know that Indonesia’s economy has shown the most stable growth of any economy globally since the second world war; the consuming middle class of Indonesia is set to grow by 90 million people over the next 12 years; there are now 103 million millennials born between 1975 and 1998; or that it is now the largest digital economy of South East Asia. The timing for (impact) investing in Indonesia could not be better than it is today.

Going about his work with an infectious smile, Jack fills rare moments of downtime exploring his interest in art as well as travelling to Barcelona, where he invested in property in 2016, and back to Scotland to see friends and family. See even more information at Invest Islands Jack Brown.

Buy and Sell Bitcoin secure with Coinipop If you are going to aim to be in crypto for the long term, consider building an average position (for example via dollar cost averaging or value averaging). There is no better way to avoid making a poorly timed trade than buying incrementally instead of all at once and thereby buying an asset at its “average” price over time. If you don’t have a really solid grasp of technical indicators and the way the volatile crypto markets work, consider averaging out of positions as well. Averaging isn’t just financially conservative, it is important psychologically. Taking too big of a position at once can be emotionally difficult to deal with (and can thus lead to bad decision making) given the historic volatility of the cryptocurrency market.

Hardware: wallets differ from software wallets in that they store a user’s private keys on a hardware device like a USB. Although hardware wallets make transactions online, they are stored offline which delivers increased security. Hardware wallets can be compatible with several web interfaces and can support different currencies; it just depends on which one you decide to use. What’s more, making a transaction is easy. Users simply plug in their device to any internet-enabled computer or device, enter a pin, send currency and confirm. Hardware wallets make it possible to easily transact while also keeping your money offline and away from danger.

Little pigs eat a lot, but big ones get eaten. This is especially true of market profits when trading cryptocurrencies. Wise traders never run in the direction of massive profits; nope, they don’t! They would rather stay put and gather small but sure profits from regular trades. Consider investing less of your portfolio in a market that is less liquid. Such high trades require more tolerance, while the stop loss and profit target points will be allocated further from the buying level.

Cryptocurrencies, sometimes called virtual currencies, digital money/cash, or chips, are not exactly like US Dollars, Euros, Venezuelan Bolivars or Peruvian Soles. They exist “online” and are not usually backed by a government (there are exceptions). They are backed by the respective user networks that keep them as Bitcoin. Discover additional info on Coinipop.

If you’ve not heard of the term stop loss in trading, check out this link to help you understand what it’s all about. Every trade we get into requires us to know when to get out, whether we’re making a profit or not. Establishing a clear stop loss level can help you cut your losses; a skill that’s very rare in most traders. Choosing a stop loss is not a random activity, and perhaps the most important thing to note here is that you shouldn’t be carried away by your emotions – a great point to set your stop loss is at the cost of your coin. If, for instance, you acquired a coin at $1,000, set that as the minimum point you’re willing to trade your coin. This will ensure that if the worst comes to pass, you can walk away with what you invested in the first place.

This is another cryptocurrency broker site. Here you buy Bitcoin from the broker itself, or via its liquidity pools instead of from another person. So similar to Coinbase. Bitpanda has been around for a few years now and they are building up their reputation. Namely for being very easy to use and with lots of payment methods available. From bank transfer, Skrill, Neteller, card purchases, Sofort, iDEal, etc. It is only available for EU users though.

Coinipop has been structured to make it quicker for people to venture into the cryptocurrency world. Hence, if you want to get your hands on cryptocurrencies to trade, you can consider purchasing them from Coinipop. You can start using Coinipop for crypto transactions with just a few clicks. Here are the ways to get started. Find extra info on Coinipop.

Jack Brown from Invest Islands or the rise of a real estate investor: A born entrepreneur, Jack founded his first company at 19. His self-starter attitude paired with invaluable experience as a sales and marketing professional for brands like OCS Cannon Hygiene and Marriott made him the perfect business partner for Kevin Deisser at Invest Islands. Impressed by the substantial returns Kevin was seeing with Invest Islands, he foresaw the potential of the business and what he could bring, and that is how Kevin Deisser and Jack Brown’s Invest Islands project came to life.

“Inspired by Kevin’s vision, I saw an incredible opportunity to build something special with Invest Islands”, Jack says, “Together with our motivated, educated and passionate team, we believe Indonesia is an incredibly exciting market for the right kind of responsible and respectful development.” The role of Jack Brown in Invest Islands is a truly valuable one. Jack is as diligent with the documentation as he is passionate about championing sustainable development in Indonesia, which he sees as Asia’s most profitable and worthwhile investment opportunity. Working out of the office in Hong Kong, he happily makes regular trips to Lombok to development projects and sites like the plantation field at the foot of Mount Rinjani, which supplies fresh fruits and vegetables to the company’s resort in Torok Bay and other developments.

Jack Brown Invest Islands about investment opportunities in Indonesia : Indonesia’s economy is on the rise, helping the country take its rightful position as a major destination for foreign direct investment (FDI). Indonesia is entering a “sweet spot” as a convergence of its young, working population with that of relatively stable inflation and sustained economic growth which in turn is fuelling overall consumer spending. Finally, the country’s resilience during the global financial crisis illustrates the merits of its immense population and economic self-reliance, demonstrating how these factors buck the trend of most other G20 economies.

Indonesia’s strong economic growth and favorable demographics make it a great country for investors, but there are several risks that investors should be aware of before committing any capital. For instance, the country’s strong growth makes it a premier target for inflation, while the country has a greater geopolitical risk than developed countries like the United States. Strong Historic Growth. Indonesia has been one of the best performing investments throughout the world economic crisis that began in 2008. In fact, it was the only economy posting any real economic growth in 2011 and continues to grow in the years since.

“Operating across the Asia Pacific region, Invest Islands is a land brokerage company based in Lombok Indonesia, with strategic offices in Hong Kong under Asian Island Group. I currently oversee all of the aspects of the Asian Island Group. I also travel to the development sites and visit the Invest Islands Foundation Charity projects. Additionally, I frequently travel to the plantation field at the foot of Mount Rinjani that supplies fresh fruits and vegetables to the Invest Islands Resort in Torok Bay.”

Indonesia has more than its measure of development challenges: poverty, water, deforestation, infrastructure, sanitation, waste processing, etc to name a few. On a limited budget, the government can only do so much. With the growth in the Indonesian middle classes, the private sector has ample scope to invest in Indonesia’s development, at a profit. You will however need to carefully analyse the risk of “government induced unpredictability” lurking in the sectors that you are interested in. Recognising the importance of the SDGs, President Joko Widodo mandated the Ministry of National Development Planning (Bappenas) in 2017 to develop a roadmap for Indonesia’s support to the SDGs. This roadmap, presented in the World Bank Summit in Bali, also outlined the measures to be taken to achieve them. The targets have been set on renewable energy, deforestation, palm oil expansion, women’s empowerment, poverty reduction, nutrition, maternal health, water, sanitation, etc.

According to Jack Brown, Invest Islands Foundation is the project he is particularly proud of. The NGO has already built a school in the village of Batu Banke, pays local widows and single mothers to clean the beaches and is developing a recycling centre for the collected waste. See additional info at Invest Islands Jack Brown.

Startrade Nightprofit opinions and Forex tips? There is no doubt that trading softwares are easy to use and often lead you to earning big bucks in quick time. However these days, buyers and users are faced with situations where they are exposed to fake applications as well as different scams online. Having said that, with the NightProfit 2 this situation will never arise as the software is fully secured and certified meaning that users can earn profits in quick time without the fear of getting scammed.

The company Westernpips Group positions itself in the market as a high-tech company with its algorithmic systems, advanced IT infrastructure, large-scale developments and a wide range of various services. The programs is one of the main information products of the Company. Our team of highly qualified programmers is developing software for the Forex market and CFD`s as well as for the crypto currency market. Our software combines the largest liquidity providers (quotations) at the moment, and is a unique development of our specialists, created specifically for arbitrage trading with a lot of tools for arbitrage on Forex, CFD`s and crypto currencies that help you earn. Westernpips Group is one of the few companies that provide fast data feed directly from exchanges. As a result, our customers receive the fastest, most reliable and accurate quotes. Many large institutional traders rely on Westernpips Group’s software in their arbitrage trading.

In case of any other queries, the customer support is quick to respond as well. One of the most convenient things about this software is that it comes with different video links and manuals that helps the users set up the software and start earning more money as soon as possible. This comes in line with the promise of StarTrade that they aim to make Forex trading very convenient and accurate so that its users are not disappointed at any cost. Currently the latest update in the shape of NightProfit 2 is faring very well in the international forex trading market. It is a much anticipated change in the previous software that came with a few glitches and bugs.

Startrade Nightprofit reviews? The NightProfit 2 is definitely a great Forex trading software out there in the market today. If someone is looking to explore the Forex trading scene, learn quickly and start earning from the very start, the NighProfit 2 is highly recommended because the software can almost certainly guarantee a significant spike in the money earned via Forex and Currency Trading online.

eToro is placed as one of the world’s best social trading platforms. The reason it makes it into our list, is that in a similar way to forex robots where the system makes trades based upon statistical analysis, with eToro you get to track the trades of experienced professionals. This system is likely to guard against the over-running a trend in the same way a purely automated forex robot might be exposed to. This platform is available for junior and advanced investors, and has the right functions and features to help most investors improve their trading yields.

The hard fact is it is next to impossible for a human to perform as well as a well-designed Forex trading bot. StarTrade is a well respected financial software development firm that specializes in this area. Their latest release NightProfit 2 is its best performing yet. Many people take a dive into Forex trading only to be left disappointed by the results they receive. Most “in the know” have realized that human trading, except in very rare circumstances, can not perform as well as the AI of a Forex bot. The key is finding the correct one to use for maximum return and security.

A market without an obvious direction (lateral movement or flat) is considered unsuitable for binary options trading, with the exception of situations of fairly wide flat, at least 3-4 candles in one direction, when you can open short-term deals on a rebound from the channel borders. For short-term options, the most effective strategy will be to open trades after the breakdown of the trend line and the subsequent reversal in the main direction. More or less like this: When the first signs of a reversal appear, we open a PUT on a downtrend or a CALL on a rising trend. The duration of the transaction depends on the scale of the chart. The most reliable options are worked out, whose expiration period is at least 2-3 times longer than the period selected for trend analysis. The larger the time frame on which you see a strong trend, the longer the trade should be. See more details at Startrade Nightprofit.

Medicare company in Tinley Park? Choosing your health insurance is a task that warrants your attention every year. Even if you’re happy with your coverage, it’s still a good idea to review your options to ensure you’re making the best choice for your health and wallet. Here are the three most common types of health insurance plans along with what to consider for each. With an HMO plan, you are given a list of doctors within a network (who either work directly for the HMO or contract with it) and pick a primary care physician to oversee all your care.

Exclusive Provider Organization (EPO): An EPO plan is like a mix between an HMO and a PPO. Like an HMO, you’re provided a series of in-network doctors and specialists you can see. If you want to see an outside provider, you’ll have to pay the entirety of your doctor’s costs. However, like a PPO, you won’t need a doctor’s referral to see a specialist. If you’re looking for low costs and a bit more flexibility than an HMO plan, an EPO might be right for you.

There are some dental and vision insurance plans that provide coverage for certain types of treatment, such as glaucoma or orthodontic treatment. When selecting a plan make sure to consider the type of treatment that you will need in the near or longer future to be sure you will have coverage needed, regardless of your current state of oral or eye health. Life insurance is a coverage type that creates a contract between you (the policyholder) and the insurer, where the insurer provides a guarantee of payment of a death benefit to certain named beneficiaries when the insured individual dies. This death benefit is promised in exchange for the premiums that have been paid over time by the policy holder. See additional details at Short term insurance Chicago.

What is health insurance? What is health insurance exactly? It’s talked about a lot — but how does it really work and why do we need it? Here’s a simple way to look at it: Health insurance is a plan, or policy, that covers a percentage of doctors’ visits and hospital bills. It exists to help offset the costs of medical events, whether they’re planned or happen unexpectedly. Health insurance may also protect us when we’re feeling good — and may help keep us feeling that way — through wellness programs and preventive care. Even if you’re the picture of good health right now, you never know when you’re going to need health insurance. A car accident, an injury, a cancer diagnosis — those don’t come with warnings. Not having health insurance is a risk, not only for the preservation of your health, but also your financial security.

What Health Insurance Doesn’t Cover? The following services are not covered by most ACA-compliant plans: Nursing home care: Short term nursing home care is covered under most plans, but long-term nursing care is not. This means that if you fall down, break a hip and must be moved to a rehabilitative nursing facility, your health insurance will cover the costs of nursing and physical therapy. However, long-term illnesses, like Alzheimer’s and dementia, are not covered under most plans because they usually require long-term stays in skilled nursing facilities. Read additional details at this website.

Top North American Bancard agent program and merchant services careers? You can maximize your value by choosing a full-service provider who can offer you expertise and match you with the solutions that are right for your business. Jeff Vandeventer, a VP merchant sales manager at Umpqua Bank, explains, “An experienced sales consultant should be able to suggest products and services that can save time, lower unnecessary processing costs, increase security, or improve customer loyalty.” No matter what type of business you own, a full-service provider of merchant services can help you choose the perfect payment tools for today’s challenges—and tomorrow’s opportunities.

Rates and Fees: Usually this is the focus point of any merchant account application and the first question you’ll be asking your provider. Please see Rates & Fees and Interchange Rates Explained for more information. You should know that for all EEA (EU/UK) based companies, doing business within EEA, the EU Commission has lowered the interchange fees down to very low numbers (0.20%-0.30%). On top of interchange fees, the Card Scheme Fee and Acquirer/Provider’s margin are added. The most transparent and »fair« way to be charged for your captured card payments is the interchange++ rate model where you can clearly see a breakdown of exact interchange, CSF and margin. Typical rate is Interchange++1.00%; or 2-3% blended.

The ability to identify customer’s payment behavior through IP address tracking and review any abnormalities in the system is one of the perks of the input of technology in online payments. Today, customers and merchants are now protected from various security breaches like hacks and fraud through fast detection by these advanced automated systems. Ultimately, data transparency is essential in ensuring better profit maximization and conversion rates. The ability to customize payments protocols to track down fraudulent schemes and locations is important for better conversion and revenue generations.

Offer merchants the latest trend in merchant services, the cash discount program. Earn even more residual and eliminate all cost for the merchant. With the revolutionary EDGE Cash Discount Program merchants can now offer their customers a discount for using cash. Using this program as a sales tool has proven to make sales agents portfolio grow exponentially. NAB provides agents with a free website as a tool for generating leads online. This gives your agent office a clean and professional look and feel. This will make you confident in your online presents with North American Bancard. Read more details on https://fs10.formsite.com/Clear-Portland/merchantiso/index.html.

Cash discounting program by North American Bancard? Get to know your client and their business: Once you understand client goals—personal and/or business—can you make recommendations on where you can offer additional help. This requires not only understanding your clients’ needs (a checking account, retirement savings, or life insurance), but also understanding their aspirations (early retirement, dream to open their own business, or desire for international expansion). Aspirations will come out in your client conversations only when you ask and when there’s a strong relationship. Once you understand your clients’ aspirations, you can provide insight on how to help them reach those goals. This is remarkably powerful.

When you’re in your own home, it can be tempting to spend time preparing a really nice breakfast and lunch for yourself, chopping and cooking included. Don’t use precious minutes making your food the day of work — cook it the night before. Preparing food ahead of time ensures you can actually use your meal times to eat, and that you aren’t performing non-work tasks that spend energy better used at your desk. ou might be under the impression that working from home establishes more work-life balance, but be careful with that assumption. Working from home can also feel like being at a casino — you can get so caught up in your activity, in a relaxing environment, that you lose complete track of time.

Here’s What We Will Do: You go to the merchant and tell him that you will reduce his credit card payment processing fee from $300 to zero or almost zero. And you will do that by telling customers that they will get a discount if they pay via cash, but if they pay via credit card, they will have to pay full price. However, with this approach, you are losing 50% of your profit and only getting $50 out of the total profit of $100. This approach might win you “salesman of the year” award, but it won’t let you buy that Mercedes you’ve been eyeing for some time. Read more details at Cash Discounting Program.

It can be a bit tricky to determine when a senior discount applies. Most establishments determine this on their own. There is no technical definition of when a senior is actually qualified. However, most organizations have a policy, and that information can apply to your case. For example, many auto insurance companies will provide a senior discount to those who are over 50. Many restaurants offer these discounts for those over the age of 55. And, some retailers begin offering discounts to those who are over the age of 60. The key here is that you do need to ask to get these savings options. Alamo Drafthouse: Moviegoers ages 60-plus can view weekday shows before 2pm for only $6, less than half of the general admissions price of $13.75. That special low pricing applies all day on Wednesday for the chain’s Senior Day. See here for locations. Amtrak: Travelers ages 65 and over can receive a 10% discount on most rail fares on most Amtrak trains. Kathy Levine, 70, of Long Beach, N.Y. uses the discount frequently to visit her daughter and granddaughter 200 miles away. “I prefer not to drive the four hours it takes,” says Levine. “The Amtrak discount allows me to see them more often.”

There’s an incredible amount of emotion that goes into B2C sales. Consider small businesses selling their product for the first time, or the first time someone buys a car. There is so much riding on that one transaction because it’s based more on emotion. B2B sales can be rather cut and dry—strategic and rational. There is a strategy in place to ensure the sale happens, and again, there’s multiple stakeholders on each side to help move the buying process along. Find extra details at https://fs10.formsite.com/Clear-Portland/totalmerchantservices/index.html.

Real estate tricks with Stuart Rubin? Buying more house than you can afford. It’s easy to fall in love with homes that might stretch your budget, but overextending yourself is never a good idea. And with home prices still rising, this is easier said than done. How this affects you: Buying a home that exceeds your budget can put you at higher risk of losing your home if you fall on tough financial times. You’ll also have less wiggle room in your monthly budget for other bills and expenses. What to do instead: Focus on what monthly payment you can afford rather than fixating on the maximum loan amount you qualify for. Just because you can qualify for a $300,000 loan, that doesn’t mean you can afford the monthly payments that come with it. Factor in your other obligations that don’t show on a credit report when determining how much house you can afford.

Selecting a lender is a matter of personal preference. Many people often shop around, looking for a lender that offers the lowest rate. More often, however, people will choose a lender based on a referral from an agent or friend. Most lending institutions will offer the same basic programs, such as FHA, VA, conventional fixed rate, etc.; and most will meet or beat another lender’s rates. What usually separates one lender from another is their “niche” product. An example would be a lending institution that specializes in low down payments, as compared to another that specializes in self-employment financing. Most agents will be able to point you in the right direction based on your particular situation.

Are you wondering: How much mortgage can I afford? In some markets, you better be able to pay for a big one, or you’ll be shut out. Fortunately, there are tricks you can use to increase the size of your answer when you ask yourself how much mortgage you can afford. Those are often overlooked but totally legit steps. Here’s what you’re up against. In the fourth quarter, monthly base payments for single-family existing homes ranged from $1,430 to $5,946. That was based on median purchase prices in the 25 most expensive U.S. metropolitan markets, according to HSH.com. Monthly base payments consist of the principal, interest, taxes and insurance (PITI) that comprise typical mortgage payments.

Stuart Rubin bio: Stuart also serves as a talent leader for Deloitte’s Risk & Financial Advisory consumer industry practice. This includes programming and sponsorship designed to attract, retain, develop, and advance a diverse workforce and strengthening our inclusive culture where all our people can connect, belong, and grow. Stuart regularly presents at the Institute of Internal Auditors (IIA), Information Systems Audit and Control Association (ISACA), and accounting industry conferences on emerging trends in the assurance, internal audit, and security/privacy spaces.

Stuart Rubin also serves as a talent leader for Deloitte’s Risk & Financial Advisory consumer industry practice. This includes programming and sponsorship designed to attract, retain, develop, and advance a diverse workforce and strengthening our inclusive culture where all our people can connect, belong, and grow. Prior to joining Deloitte, he was a co-founder of a leading cyber services consultancy where he launched a managed services platform for providing ongoing monitoring of network devices and assessing and reporting on the impact of cyber-related events.

A graduate from the University of Southern California, Stuart Rubin, now leads the real estate industry. It is no surprise that real estate is where he excels as he always had an eye to detect potential where others only saw ruin. In fact, he bought and re-sold his first property at the age of 17 with his friend Richard Pachulski. Through his tenure, the company has been involved in the purchase management and disposition of the vagabond hotel chain which was a 55 unit limited-service hotel company. Discover additional info on Stuart Rubin.

Chapter 13 guides by bankruptcy attorney Houston, Texas: Abstract of Judgment – While a judgment creditor cannot force you to sell your homestead, they can file an abstract of judgment in the real property records of your county. The filing of an abstract of judgment may prevent you from selling your home or re-financing your home. Credit Score – A judgment is a public record and will be pulled into your credit report and may damage your credit score. Even if you resolve the underlying debt, you may not be able to get the judgment removed from your credit report.

Child and Dependent Care Tax Credit: A tax credit is so much better than a tax deduction—it reduces your tax bill dollar for dollar. So missing one is even more painful than missing a deduction that simply reduces the amount of income that’s subject to tax. But it’s easy to overlook the child and dependent care credit if you pay your child care bills through a reimbursement account at work. The law allows you to run up to $5,000 of such expenses through a tax-favored reimbursement account at work. Up to $6,000 in care expenses can qualify for the credit, but the $5,000 from a tax favored account can’t be used. So if you run the maximum $5,000 through a plan at work but spend more for work-related child care, you can claim the credit on up to an extra $1,000. That would cut your tax bill by at least $200 using the minimum 20 percent of the expenses. The credit percentage goes up for lower income households.

What Debts Are Discharged in Chapter 7 Bankruptcy? A Chapter 7 bankruptcy will generally discharge your unsecured debts, such as credit card debt, medical bills and unsecured personal loans. The court will discharge these debts at the end of the process, generally about four to six months after you start. Some types of unsecured debts usually aren’t discharged through a Chapter 7 bankruptcy, including: Child support, Alimony , Student loans, Some tax debt, Homeowners association fees, Court fees and penalties, Personal injury debts you owe due to an accident while you were intoxicated, Unsecured debts that you intentionally left off your filing. Find additional info at chapter 13 bankruptcy Texas.

I hope that you find this website to be helpful and informative. Information on a website, however, is not a substitute for the knowledge and advice of an experienced bankruptcy attorney. Once you have had a chance to look over our website, please fill out the contact form or give us a call to talk more about the specifics of your situation. I will get back to you the same business day, if possible. Take your first step towards a fresh financial start!

Pick Up Capital Gains if You’re in a Low Tax Bracket: The end of the year is also a good time for some people to sell stocks that have appreciated significantly in value. This can be a particularly good strategy for those who are in the 10% and 12% tax brackets since their capital gains tax may be zero. The stocks can then be repurchased, which resets the basis and minimizes the amount of tax to be paid on future gains. Even if you’re not in the lowest tax brackets, you may want to sell winning stocks to reset the basis if you’re also harvesting losses. “What you want to do is balance (gains) with stocks that have losses,” Barlin says.

One of Chapter 13’s most attractive features is the chance to keep your home as long as you can pay the mortgage under a settlement plan. Under Chapter 13, people have three to five years to resolve their debts while applying all their disposable income to debt reduction. The option allows applicants to eliminate unsecured debts while catching up on missed mortgage payments. Short-circuiting home foreclosure is one of the option’s most attractive features. Though keeping your home can be a major relief, you’re required to spend years living under the supervision of a court-appointed trustee who will collect and distribute your payments.

I think that customer service should be the number one priority in any business, but it is also very important important in the bankruptcy and debt settlement field. When people are struggling financially they may be stressed, nervous and scared about their situation. The prompt returning of telephone calls and e-mails is important so as to help alleviate anxiety. You can also take comfort in knowing that you will be speaking with an attorney every time you call or come in for an appointment. Dove Law Firm, PLLC is a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code as well as resolve other debt issues. Read even more info on Ryan Dove bankruptcy attorney.

North American Bancard agent program tips and merchant services careers with ShawMerchantGroup? As one of the largest merchant services providers, the North American Bancard Agent program helps you grow your portfolio and increase profits. North American offers a great partner program that provides ample opportunity to increase your sales and market share. You get great sales support, innovative products, and a larger bottom line when working with them.

Do your Due Dilligence: If you Google »merchant account services«, you’ll most likely be overwhelmed by the results showing all the different providers for accepting card payments, either for ecommerce, MOTO, or High Risk merchants. It is important that you know who are you applying with. First, you need to find out if you’re applying for a Direct MID (merchant account directly with the acquiring bank) or Aggregate MID or Payment Facilitator MID (more merchants share a single MID). Try to get the answers to following questions: Are you working directly with the acquiring bank or a middle-man Payment Service Provider company (PSP)? Where is the provider and acquiring bank based? Are they EU/UK regulated Financial Institution and have their own PCI compliant gateway? Do they already process payments for other businesses in your niche? Can you find any complaints online?

As people have embraced social distancing to slow the spread of COVID-19, more of them are opting to shop online. That’s created a huge surge in ecommerce—in fact, in the last few months, online orders in the U.S. have increased by 56%. Gift cards and rewards programs: Gift cards allow customers to support your business while providing you with a much-needed cash infusion. Gift cards are also a significant factor in raising customer retention, and could even increase profits by more than 25%. A full-service merchant services provider like Umpqua Bank can help you implement rewards and gift cards to drive your business. Find more information at North American Bancard Agent Program.

The payments market is not only one of the largest globally but undoubtedly one of the most progressive. With a total $1.9 trillion valuation by 2017 and an expected robust performance in 2019 according to a report by Mckinsey, it is evident that the global payments industry is shaping up to be one of the most powerful. The report indicated the role of technological evolution in this advancement. Not surprisingly, the advent of innovative technologies has played a prominent role in expanding the payments market by developing and refreshing strong payments strategies to give companies in this variation an edge.

Offer merchants the latest trend in merchant services, the cash discount program. Earn even more residual and eliminate all cost for the merchant. With the revolutionary EDGE Cash Discount Program merchants can now offer their customers a discount for using cash. Using this program as a sales tool has proven to make sales agents portfolio grow exponentially. NAB provides agents with a free website as a tool for generating leads online. This gives your agent office a clean and professional look and feel. This will make you confident in your online presents with North American Bancard. See extra information at https://www.shawmerchantgroup.com/.