2015 ~ funnyvideo2day

Home Improvement Projects That Can Hurt Your Property Value

Are you considering converting your home's garage into a man cave? Before you permanently ditch parking and storage space in exchange for a testosterone-friendly getaway, you may want to consider this: your garage man cave project could hurt your home's value and make it harder to sell. Turning your garage into a living space is one of four home improvement projects highlighted by MarketWatch that could end up sucking the value out of your home. Homeowners need to think carefully before they get rid of their garage and turn it into a man cave, family room or extra bedroom, because it could make their home less attractive to many people, New York real estate agent Brendon DeSimone, author of the book "Next Generation Real Estate," told MarketWatch. A recent survey by real estate investment and operating firm Crescent Communities found that 74 percent of homebuyers said having a garage is extremely or very important. If you still want to proceed with your garage project, consider leaving the garage doors on the outside so if you do sell your house, a buyer has the option to easily turn the space back into a garage, Michele Silverman Bedell, of New York-based Silversons Realty, told Marketwatch.

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There's no arguing that Target has a loyal following among many shoppers. While the retail giant may not always have the lowest prices, it certainly attracts consumers happily willing to pay a little extra to avoid the crowded aisles of some other discounters. But there are certain items which are almost always cheaper at Target (TGT) compared to other retailers. Here are eight such items that'll save you money on your next Target shopping trip. 1. 'Green' Cleaning Products Not only has Target led the natural cleaning trend over the past few years, but they often do it at a price lower than the competition. For example, Target sells the 28-ounce bottle of Method All-Surface Cleaner for an affordable $2.99, while Walmart sells the same product for $5.49 and Amazon sells it for $8. Another great example is Green Works laundry detergent in the 90-ounce size; at Target you'll pay $11.99, while you'll pay $23.27 at Walmart and $19.21 at Amazon. You'll also find similar savings at Target on other popular natural cleaning brands, including J.R. Watkins, Honest and Seventh Generation.

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The cost of 10 lords a-leaping increased 3 percent over last year, but nine of the other 12 gifts listed in the carol "The Twelve Days of Christmas" stayed the same price as last year, according to the 32nd annual PNC Wealth Management Christmas Price Index released Monday. The index is a whimsical way the Pittsburgh-based bank tracks inflation. The set of gifts spelled out in the final verse of the song would cost $34,131 this year, or 0.6 percent more than the adjusted 2014 price of $33,933. PNC decided to adjust the historic prices of turtle doves and swans after realizing the prices quoted by vendors didn't reflect the birds' overall value on the open market over the years.

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You probably get credit card offers in the mail all the time; the volume of unsolicited offers tends to increase the day after Thanksgiving. Here's some important information that will help you sort through the pitches and separate the good values from the rip-offs.

"Buy now, pay later" is the modern way of life. Credit cards are a highly profitable business for the companies that issue them, so it's no surprise that banks continue to inundate consumers with credit card offers, especially during the shopping frenzy of the holiday season. These come-ons are among several financial traps lurking out there today. Visa (V), MasterCard (MA), Discover Financial Services (DFS) and American Express (AXP): Their cards are common fixtures in hundreds of millions of wallets around the world. According to Federal Reserve data, the average credit card debt per card-holding U.S. household is $16,140. In total, the average American consumer owes $918.5 billion in credit card debt.

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The Singularity University and CNBC are hosting the Exponential Finance 2015 conference n New York, on June 2-3. The conference examines how rapidly accelerating technologies such as artificial intelligence, quantum computing, crowdfunding, digital currencies and robotics are rapidly disrupting businesses throughout the financial industry. The Singularity University, based at Moffett Federal Airfield in California and sponsored by high-profile high-tech firms including Google, is an educational center dedicated to world-changing applications of disruptive, exponentially accelerating technologies. The conference program features an impressive set of high-profile speakers including Blythe Masters, the former J.P. Morgan star who now leads Digital Asset Holdings, a technology company that uses distributed digital ledgers to address operational challenges and settlement latency in both digital and mainstream financial assets. Masters’ presentation, titled “Blockchain: The Financial Challenge of Our Time,” has been featured in a CNBC article titled “Why financial firms are investigating bitcoin tech.”

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Walmart, number one on the Fortune 500 list of American companies, has net sales totaling $473.1 billion. With foodstuffs making up 55 percent of its sales, this corporation controls 25 percent of grocery sales in the U.S. Consequently, Walmart's actions and inactions reverberate through the food chain, making huge impacts on agricultural practices, treatment of workers, consumer health, the environment and outsourcing of jobs. In recognition of these impacts, Walmart has created an "Ethical Sourcing" standards manual for its suppliers. But our investigation of Walmart's practices shows that the thirst for extraordinary profits too often wins out over a code of ethics. Although the "Ethical Sourcing" manual requires that suppliers comply with existing laws, we found that both the corporation and its suppliers have a long history of violating labor standards. Walmart's demand for lower prices creates the incentive and the need for suppliers to cut wages and benefits, neglect safety and working conditions, and even ship jobs to overseas sweatshops. Exploitation and discrimination often go unchecked. In one instance, immigrant workers in Louisiana said they were being locked into a factory and compelled to work 16-24 hour shifts by a Walmart seafood supplier. Only after an advocacy group publicly pressed for improved working conditions did the retailer take action.

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This June 2015 report, the latest in a series by Global Financial Integrity (GFI), highlights the outsized impact that illicit financial flows have on the world’s poorest economies. The study looks at illicit financial flows from some of the world’s poorest nations and compares those values to some traditional indicators of development—including GDP, total trade, foreign direct investment, public expenditures on education and health services, and total tax revenue, among others—over the period 2008–2012. The report also produces several scatter plots in which illicit flows values for all developing and emerging market nations are compared to key TRADE INDICATORS and various development indices, such as human development, inequality, and poverty, to determine if correlations exist between the two. Correlation to Higher Poverty By two different measures of poverty, the study reveals a positive correlation between higher levels of poverty and larger illicit outflows. That is, countries with higher levels of illicit financial flows (relative to GDP) tend to struggle with higher levels of poverty

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The Marriott School of Business at Brigham Young University offers 5 Bachelor degrees for the undergraduate student majoring in Business: Accounting, Business Management, Finance, Information Systems and Recreation Management. BYU is a private university owned by the Church of Latter-day Saints (LDS). Having a religious background, the school does require 14 hours of religion coursework, and students must abide by a university honor code. With just around 2,000 undergraduate business students, we find they stand out as a top choice based on the tight-knit environment BYU provides. For practicing LDS church members tuition is significantly less expensive, as 70% of student tuition is funded through church tithes. Non-members pay roughly double the LDS tuition rate. However, tuition rates for both groups is an unbelievable low cost (under $5k yearly!) considering the world-class education provided.

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Microfinance loan portfolios have been growing at a 30% CAGR since 2005, according to Mix Market data. They have figured out how to service low-income clients more efficiently with operating margins of 10% to 15% and effectively with loan portfolios of PAR >30 at 5% on average (the portion of the portfolio deemed at risk because payments are more than 30 days overdue) and write off ratios of less than 2%. Furthermore, it requires time patience and deep knowledge of the business environment and customers. The pros and cons to starting as an NGO can be debated, with a number of factors to consider in context of the regional political, social and economic climate. There are unique factors to be considered for each region, country, state and village. It has proven to be a successful strategy for Xac Bank and the region and customers it serves. - See more at: http://www.bamboofinance.com/blog/xac-bank-successfully-attracts-strategic-buyer-looking-to-grow-responsibly/#sthash.JTI4atjo.dpuf

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Xac Bank started in 2001 as a nonprofit microfinance lender to Mongolia’s herding community. Today it is a fully regulated commercial bank and the country’s fourth largest in terms of assets, with 500,000 customers in 21 provinces, 97 branches, and US$800 million in total assets as well as being one of the most regarded, transparent and ethical banks in emerging markets to date. ORIX Corporation (‘ORIX’) is the largest leasing company in Japan and third largest player in the Leasing Industry, world-wide. Through their investment in Xac Bank, ORIX will leverage Xac Bank’s business platform to expand within Mongolia and further the development of the country’s financial services industry. Strategic buyers, typically financial services organizations or diversified groups like ORIX, are seeking to reach a new geographies and or serve a new segment, which has turned their interest toward microfinance institutions such as Xac Bank. There are now over 2,000 MFIs operating worldwide serving 105 million borrowers and 70 million savers with total assets over USD 72 billion and growing at a rate of 10% to 20% depending on the region, according to the JP Morgan and CGAP 2012 Global Microfinance Equity Valuation Survey Report.

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The National Bank of Cambodia’s (NBC) statement explains that they aim to facilitate the reduction in circulation of US dollars within the local economy. The NBC aims to create a dialogue among key stakeholders such as experts, academics, and representatives of the wider community on ways to boost the circulation of the local currency. According to the announcement, “Cambodia has experienced high dollarisation in the last two decades, with foreign currency deposits, relative to broad money, rising from 60% in the 1990s to 80% in the 2000s and now at 83%” This state of affairs poses serious risks to the Kingdom’s financial sovereignty. It limits the ability of the central bank to implement effective monetary policy and may exacerbate financial stability risks; particularly liquidity risks. “In this context, the Royal Government of Cambodia has considered promoting the use of Riel as one of its top policy agendas,” the announcement says. One positive to be taken from the announcement is the news that riel circulation has increased on average by 17% per annum, and deposits by 24% per annum, during the last two decades.

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The US Chamber of Commerce, in association with the American Chamber of Commerce in Singapore, has released its new “ASEAN Business Outlook 2015″. The report includes a vast survey of American companies currently doing business in South-East Asia. The outlook gauges their opinions on ASEAN, its integration into the AEC and the pros and cons of doing business in each ASEAN country. ASEAN markets are growing in importance to US companies’ activities and development because of the region's economic recovery, limited growth in other parts of the globe, improvement in ASEAN infrastructures and a widespread change of business strategy. Trade with ASEAN countries is expected to rise dramatically in coming years. The main reasons behind this increase, suggested by the report, are a diversification of the global customer base, low costs of production, political stability, availability of manpower and skilled employees, and increased legal framework suitable to stimulating investments.

According to the CBRE report, there are currently 49 buildings under construction in central Phnom Penh above eight floors within a one and a half kilometre radius of the CBD (this does not include outlying areas of Phnom Penh). The majority of the buildings under construction range between eight to twelve storeys, with a footprint (land size) of less than 1,000 square-metres. This is quite small in terms of built floor area, notes Griffiths, but demonstrates the increasing demand for space within central Phnom Penh that is naturally pushing the city upwards. The majority of these developments are intended to become apartments with varying levels of quality and servicing. They will provide mid-range accommodation within central areas that may appeal to both local and foreign occupiers. The apartments under construction shall contribute a total of around 1,000 units across the survey area. Local developers are behind the majority of low- to mid-level developments in terms of scale and quality apartment developments, says Griffiths, and they are generally targeting locals. These developments typically have fewer services and facilities due to their smaller scale, with rents averaging $350 to $400 a month per unit in the central areas. This shows that while international developers compete to fill the high-end of the market, savvy local developers are building to fill the gaps and needs of the local market.

Our innovative portfolio of products and services comprises various financing options such as finance lease, operating lease, hire purchase, rental, loans and software financing as well as managed services. We also offer our customers flexible, usage-based financing for their equipment investments, such as pay-per-use programs. Our services cover the management of financed assets as well as end-of-term issues, including logistics, equipment servicing and remarketing. Our specialized asset-financing knowledge covers a wide range of areas, including the healthcare, industrial (e.g., construction, mining, manufacturing, food and beverage), transportation, agriculture, environmental, energy and office-equipment sectors as well as software, information and communication technology. As the financing partner for the operative Siemens units, we leverage our many years of experience and technology know-how to create integrated financial solutions that complement the Siemens portfolio. What sets us apart: Easier financing – through exceptional customer service and seamless processes Customized solutions that build on a combination of financial expertise and industry know-how Unique financing solutions for each market, tailored to meet each customer’s individual needs Smooth implementation of complex international transactions through the global Siemens network Expertise in country-specific tax and legal systems

OCFO formulates and manages EPA’s annual budget and performance plan, coordinates EPA’s strategic planning efforts, develops EPA’s annual Performance and Accountability Report, and implements the Government Performance and Results Act. OCFO also provides financial services for the Agency and makes payments to EPA grant recipients, contractors, and other vendors. The office provides policy, reports, and oversight essential for the financial operations of EPA and has responsibility for information technology planning, development, and deployment of financial and resources management systems for the Agency. OCFO’s Center for Environmental Finance assists the public and private sectors in the search for creative approaches to funding environmental programs, projects and activities. The Office of Budget serves as EPA's central budget office, responsible for the formulation and defense of EPA's annual plan and budget request to the Office of Management and Budget (OMB) and to Congress. The office also serves a fiduciary role in executing the budget by monitoring and analyzing the utilization of all EPA resources. To do so, this office provides guidance to the agency to ensure proper use of resources and works to ensure proper accounting and reporting of resources. The Office of Budget also integrates goal-based decision making into the allocation of EPA resources through multi-year and annual planning and the annual budget and accounting processes.

The Financial Times noted that a simultaneous translation of Buffett's remarks were rendered into Chinese for the first time. Buffett and his longtime business partner Charlie Munger also granted 100 of their Chinese visitors a private audience immediately after coming off stage. Some were given the chance to present their questions to Buffett and Munger too, while American investors now wanted Buffett's view on investing in China. "In the past Buffett tended to dodge the questions about China, claiming he doesn't know the country particularly well. But this year he was more willing to offer his views," said Phoenix Finance. So what is Buffett's take? The 84 year-old is still optimistic about the China market's prospects, despite the astonishing Shanghai bull run. He also drew parallels between the rise of China and the rise of the United States, before suggesting that the destinies of the two countries were intertwined. "As Charlie said earlier, China and the United States are going to be the superpowers for as far as the eye can see," he predicted. Interestingly, when CNBC later interviewed Buffett and his friend Bill Gates (a fellow Berkshire director) the investment ace was less bullish than the Microsoft founder. Asked on live TV which currencies they would bet on for the decades ahead, Buffett was steadfast in support of the dollar. Gates, on the other hand, branched out boldly, saying he would rather own more of China's currency, the

"I don't think that creates some sort of systemic risk or risk to the U.S. economy. It's a very narrow part of the overall credit market that we play in," he said. Still, Baratta said he hoped for a correction in those credit markets. "I wish there was some reversion to mean in the cost and availability of credit because I think on the margin that is driving up valuations in the market we play in," he said. Generally, Baratta remained bullish on the opportunity for private equity firms like Blackstone despite the relatively high cost of buying companies. "I do believe that our ability to control the exit, buy good companies, intervene in them to drive up earnings and cash flow, will I think enable us to outperform all the other asset classes," Baratta said. Still, he noted that Blackstone had slowed the pace of its investments given high valuations. Baratta said his Blackstone unit had invested $1 billion to $1.5 billion in company buyouts the first half of 2015, a rate that is "a lot slower" than in previous years. Publicly traded Blackstone managed $310 billion overall as of March 31.

He should know. An Egyptian, he is the co-founder of Cloudera, one of the Valley’s recent most stunning successes. Founded in 2008, the company, manages and processes avalanches of data for the Internet’s biggest users of it — places like Facebook and Google GOOGL +0.92%. The company, which helps other companies use and customize Apache’s open-source Hadoop software, has about 800 employees and has landed more than $1 billion in funding, including what went to the shareholders and the company. The latest, an F round, came from companies including Intel, Google and T. Rowe Price. The company’s not going public, though — yet, Awadallah said. He was speaking to a group of startups from the Middle East, brought to Silicon Valley for a crash course in technology entrepreneurship designed by the Aspen Institute’s Middle East Programs, and paid for by the Blackstone Group’s charitable foundation. There was a Jordan-based Arabic language platform for kids, an Egyptian company offering medical records management for doctors and an Algeria-based platform for truck drivers to find freight offers, among others.

Wall Street pay and shareholder performance don't always line up. Executive recruitment firm Charles Skorina & Co. makes the point in a new ranking of how much the CEOs of public investment managers are paid relative to the gains for owners of their stock. Ric Dillon, for example, earned just more than $1 million in 2014 as CEO and portfolio manager of $16.4 billion mutual fund manager Diamond Hill Investment Group. That pay put him dead last on Skorina's ranking of the top 50 best-paid investment management chief executives. But Dillon is No. 1 when the list is reranked for five-year shareholder returns; Diamond Hill investors have earned a market-beating average of 26.39 percent. That means Dillon, based in Columbus, Ohio, earned about $40,000 per 1 percentage point of annualized shareholder return. Gamco Investors CEO Mario Gabelli, by contrast, earned $6.29 million for every percentage point of annualized shareholder return, a much lower rate of 14.08 percent and 45th out of 50 on the Skorina ranking. At the same time, Gabelli, whose New York-based firm manages about $47 billion, was one of the best-paid public company CEOs last year at $88.5 million, landing him on top of all other public investment managers. "It's clear that all the guys are transparent," Skorina founder Charles Skorina said about how the CEOs are paid. "But shareholder value doesn't always align with the comp." A spokesman for Diamond Hill declined to comment.

An article (abbreviated ART) is a word (or prefix or suffix) that is used with a noun to indicate the type of reference being made by the noun. Articles specify grammatical definiteness of the noun, in some languages extending to volume or numerical scope. The articles in the English language are the and a/an, and (in certain contexts) some. 'An' and 'a' are modern forms of the Old English 'an', which in Anglian dialects was the number 'one' (compare 'on', in Saxon dialects) and survived into Modern Scots as the number 'ane'. Both 'on' (respelled 'one' by the Normans) and 'an' survived into Modern English, with 'one' used as the number and 'an' ('a', before nouns that begin with a consonant sound) as an indefinite article. Traditionally in English, an article is usually considered to be a type of adjective. In some languages, articles are a special part of speech, which cannot easily be combined with other parts of speech. It is also possible for articles to be part of another part of speech category such as a determiner, an English part of speech category that combines articles and demonstratives (such as 'this' and 'that').

Eliminate national communication barriers, enhance productivity and reduce overheads with precise and professional translation and localisation services for the banking, financial and insurance sector from RixTrans. Our competent team of expert translators, project and vendor managers - ably supported by in-house technical and layout personnel - are ready and waiting for your projects, both large and small. Whether you're a trader, buyer or seller, you need to be able to communicate with others around the world. The exchange of information must flow freely, and shared communications must be accurate and unbiased. We provide translation services tailored to this highly specialised sector, working not just with banks, but also credit unions, insurance providers and mortgage lenders to realise their ambitious localisation projects - whether they relate to an upcoming merger or mutual fund investments. All the translators we work with on financial translations have professional experience of working with the banking and finance sectors and understand the pressure you are under to deliver accurate and culturally sensitive information, as well as to adhere closely to sometimes absurdly tight deadlines. Because we know your needs, our service goes beyond translation to localisation - by which we mean that materials are adapted to fit the needs of the local user. In practical terms, this means that your financial content should refer to local currency, adopt local customs and names and correspond to local time zones. All dates, addresses and phone numbers, etc. should be written as they are in the local country, both in spelling and layout. Get My Free Translation Service Quote With a large network of specialised freelance translators in a huge variety of language combinations to call upon, we are able to translate internal as well as customer-facing communications. Our expertise means your financial reports (quarterly, half-yearly and annual), audit reports, fund factsheets, operation reports and legal contracts are all in good hands with us. We deliver print-ready files that retain the format of your original documents, so all you have to do is print them off in time for that all important meeting.

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Almost everyone has, at one time or another, come up just a little short when they needed to pay a bill or meet some other financial obligation. For many, services like check cashing and payday advances can be one way to deal with this dilemma, but they come with hefty fees and other considerations. So, what are the laws regarding check cashing and payday advances? Shareholder Agreements under English Law – Basic Share Structure and Share Transfer Considerations May 11, 2015 By Summerfield Browne Solicitors If you have more than one shareholder in your company, then you should consider agreeing the terms of a shareholders agreement which regulates the rights and obligations of shareholders. Malta Conduct of Business Rulebook: MFSA Issue Consultation Document May 10, 2015 By CSB Advocates The Malta Financial Services Authority (the “MFSA”) is currently in the process of setting up a Conduct Supervisory Unit. This is being done for the purposes of implementing the regulatory framework and securing adequate client protection in the industry through a supervisory regime aiming to address potential or emerging risks for clients in the financial services industry. The aim is also to strengthen the fair treatment of customers by regulated entities.

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