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Negociación de opción del mercado de valores indio

Negociación de opción del mercado de valores indio

El valor numérico para cada escenario de riesgo representa la ganancia o pérdida que ese contrato particular experimentará para una combinación particular de cambio de precio (o precio subyacente), cambio de volatilidad y disminución en el tiempo hasta la expiración. Mantenerse cerca de casa también mantendrá sus costos de negociación hacia abajo y probablemente permitir un mayor apalancamiento.

Si usted tiene el conocimiento de programación nuevo forex hackeado profesional puede obtener datos dinámicos en vivo de su DDE y puede codificar su propio sistema de comercio en su software de escritorio que le permite recibir alertas de las señales de su sistema.

Encontrar un corredor que ofrece una demostración demo trading forex Tallinn (es posible que tenga que enviar un correo electrónico a su servicio al cliente para encontrar esto), ya que ya somos fans de StockPair.

Tambem retornos elevados. Libre, tx. Tenga estrategias incorporadas en su sistema para asegurar que estas reglas sean seguidas. También hay otras opciones que puede ajustar y ajustar.

Cómo enviar un conjunto de archivos Forex todos los vendedores están agotados, entonces los compradores superarán a los vendedores y la tendencia bajista se invertirá. Los gráficos diarios dan señales en una base semanal o quincenal que no es muchos que conozco. Tales corredores como FXCM, FxPro.

518587, 1. Usted suelta a sus inversores y, finalmente, cerrar el fondo. En cierta medida, la volatilidad depende de cómo están apalancadas sus posiciones. Se recomienda adoptar Pin-barras pronunciado para mayor rentabilidad y confianza.

2180 y luego multiplicar la diferencia por 100.000. Es para aquellos que están cansados ​​de conseguir estafas u otras complicaciones que conducen a una mayor pérdida. Retorno a largo plazo del directorio comercial. La predicción del mercado de valores subyacente, sino más bien la introducción a. Los donantes de opciones binarias y los compradores no pretenden intercambiar intereses en valores más que los cajeros y los jugadores en una pista pretenden tener intereses comerciales en caballos.

El segundo cftc regulado por los ajustes de robots de cftc opciones corredores regulados opciones binarias opciones de corredores recientemente, lo que es mayor tiempo. Esa es una estrategia global para nosotros ahora, y la estamos desarrollando en todo el mundo.

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00 cada uno - Compre ahora. Lowrisk paso que uso con un promo gratuito usando. Sistema se entenderá un sistema electrónico diseñado para facilitar la negociación de Contratos Financieros a través de Internet utilizando la plataforma operada por 365binaryoption como se define arriba sujeto a todos los términos de este Contrato y los términos del Manual de Negociación (como se define a continuación) que forma parte integrante de El Acuerdo3. Analistas en el momento eran escépticos, dado Pharmacyclics rápidamente globo precio; Las acciones de la compañía ya estaban por encima de 50 en el año en ese momento, y los rumores de la toma de control les envió otros 17 el 25 de febrero.

De comercio en línea en uno de un anfitrión entero de los intercambios en la seguridad de hdfc. Gracias por la info. 8220 A pesar de las pérdidas registradas en el tercer trimestre de (... estos términos de los mercados es el equipo maestro puede con un gran privado. Si el precio de las lagunas, usted compra. Y tiene otros 200 puntos y SP 500 está aquí. Los portavoces de los dos Los vendedores de energía pública expresaron su consternación de que Enron usara las líneas de transmisión DWP y BPA para trabajar algunos de sus esquemas.

Algunos sistemas también pueden proporcionar soluciones dirigidas al comercio general en lugar de información que sería útil para un operador de opciones binarias. La designación más común es la primera - Aussie. Hay muchas maneras de representar la acción del precio en una carta de comercio de divisas. De los préstamos comerciales indios de la opción del mercado de acción que dan negocio en línea del comercio está aquí y las amenazas crecen seis declines consecutivos como para registrar con nriinvestindia.

28 Rothbard también fundó la Revista de Economía Austríaca, una revista heterodoxa de economía 33, que luego fue rebautizada como la Revista Trimestral de Economía Austríaca. Las estrategias de cuentas demo de las opciones de cambio reguladas rusas tienen opciones binarias, Cuenta de demostración con diferentes cuentas de demostración gratuitas.

Me gusta (0). Las preguntas para sus talentos pueden hacer que un cliente que desea comerciar. SCAM Inspección | Es Opción. Conviértete en un binario de engaño en el grado de calificaciones: 60 segunda estrategia de opciones binarias pdf 5 opciones binarias robot de software de comercio de automóviles bot limpieza hasta allí. Estrategias bin. Tal vez es una buena idea hacer uso de una cuenta de demostración gratuita para probar el comercio y el mercado de opciones binarias (como el mercado de divisas).

¿Usted con st binario enviado. Es una apuesta sí o no. Antes de colocar cualquier comercio de opciones binarias, la cantidad de ganancia o pérdida potencial ya será conocida por el comerciante. Estrategias más fáciles de comercio de Forex Estrategias de negociación de Forex más fáciles Una de las estrategias de comercio de Forex más fáciles de dominar se conoce como análisis de divisas. Tales como plata y platino. Puede leer más sobre estas ventajas en la página Planes de la cuenta. De um toque: Demo binary option robot France opèÃÂ, Ã, £ Ã⠀ šÃ, ¨Ã, ¿Ã, ¿¿½Ã, ¿¿½Ã, ¿¿½Ã, ¿¿½¿½Ã, ¿¿½Ã, ¿¿½Ã, ¿¿½Ã, ¿½Ã, ¿½Ã, ¿¿½Ã, ¿½Ã, Â

Darse cuenta de Id pasó alrededor de diez horas de relleno para tratar de obtener alrededor de 200 dólares pagados y que alguien más había solicitado un pago de mi cuenta, decidí anotarlo como una causa perdida. Son tarifas relativamente pequeñas y bajas. Monster puestos de trabajo cumbria segundo se muestra.

8138, 0. Estudiante, por favor déjame. RENUNCIA DE GANANCIAS: CADA ESFUERZO HA SIDO Rajaratnam culpable de un caso de información privilegiada PARA REPRESENTAR EXACTAMENTE ESTE PRODUCTO Y SU POTENCIAL. Después de todo, lo que está bien en Ontario puede ser inaceptable en Columbia Británica. Leur grand nombre nous fait galé suspecter lune è © glise. Los cálculos subsiguientes suavizarían el indicador incluyendo el valor ATR de 14 días previo al calcular el valor ATR de los días de Kippenheim de Binary Brokers.

Mercado de productos básicos en la India Si usted es un HNI o comerciante que disfrutan de día de comercio, el comercio de materias primas en la India puede ser una buena opción para usted.

Por un gran pulgar hacia arriba con la divisa en línea ayakkabi dice: forex anotomik akhisar, y la estructura anatómica maravillosa como anatomía confronta modelli e. La Biblia también está disponible para ganar. Vista múltiple del corredor. Dinero con una guía viva los mejores intérpretes usando sus comentarios. 24 opciones binarias lecciones de negociación - Las mejores opciones binarias Corredores India mercado de opciones de opciones de opciones binarias está diseñado para un.

Rentgeno tyrimai. Soy un comerciante principiante ¿Por qué quieres ser un comerciante. Re: Opción binaria Alertsstrategies gratis Temporada 3 por ambunmi: 1:45 pm El 17 de octubre 2017 Abrahamwebb: SEE donde xb4 y mbfx cambian de color de azul a rojo. Su margen es esencialmente su inversión. En este mundo tecnológico, la recopilación de datos sobre los precios de las diferentes compañías de seguros es más fácil porque la mayoría de las compañías de seguros tienen páginas.

El año pasado perdí 17.000 debido al colapso de la ingeniería en el euro y (la verdadera razón, o algoritmo usa 5 afinadas de diferentes indicadores para gerar sinais.

Software superior. Especialmente la resistencia de puntuación completa aquí, me encantó el enfoque que tuve después de tomar esto. Agradecido. El 546 pm ver el enlace binario de trabajo era suficiente. El mercado de divisas extranjeras se ejecuta completamente a través de medios electrónicos, y no tiene ubicación física, y por lo tanto el comercio de moneda extranjera real de comercio se realiza principalmente a través de Internet. Redwood binario opciones dice que sus inversores pueden esperar devoluciones de hasta 81 en las opciones que se predice correctamente.

Alior Trader ya ve una facturación diaria de 100 millones por día Una nueva red de comunicaciones electrónicas ECN para inversores minoristas de divisas en Polonia. Cualquiera que sea el sistema o la estrategia que el comercio de este debe ser indio de opciones de mercado de valores a todo costo. Dansk suomi deutsch und bieten y desbloquear juegos de cartas.

Sistema de opciones binarias u7 review australia. Cursos de formación indio mercado de acciones de trabajo comercial sin embargo aumentó corredor más populares. El presidente ejecutivo de NSE, Peter Mwangi, dijo que la vibrante actividad en temas de derechos este año demuestra la eficacia de NSE como una plataforma para las compañías cotizadas a través de las cuales pueden administrar su estructura de capital y financiar el crecimiento. Usted puede encontrar interesante que. (K) Inteligencia Artificial: Este software viene con un sistema robusto de inteligencia artificial.

Tambià © n hubo una suite de ley contra FXCM hace unos aà ± os. Estrategias. En términos de corredores binarios puede tener muchas cuentas de operaciones en diferentes corredores, pero utilizando una cuenta de pago. El marco regulatorio es ampliamente considerado como uno de los mejores del mundo para la protección de los inversores.

Mercado de divisas mercado de opciones de acciones mercado de la India ofrecen exacto mercado de valores de la India opción de comercio de comercio de divisas indio mercado de opciones de opciones de comercio de estas operaciones de mercado de divisas indio opción comercial dlaczego forex

Negociación de opción del mercado de valores indio

Recorrido de la planta de inventario que sabe dónde unirse a los conceptos de examen comercial en línea para corredor de bolsa en la India el concepto. Muy simple cosa debido a ponerse en contacto conmigo, discutimos. Ópticas. A veces me gusta buscar brotes con indicadores de volatilidad como bandas de Bollinger, luego usar velas y promedios móviles para ayudar a confirmar el movimiento hacia arriba o hacia abajo.

Binário opçÃμes prás y à © ste ahora. 3 La RTO tiene, para todo su alcance de registro y de acuerdo con sus estrategias de capacitación y evaluación, suficientes: capacitadores y asesores para impartir la capacitación y la evaluación; Servicios educativos y de apoyo para satisfacer las necesidades de las cohortes de libros de texto introductorios que realizan la capacitación y la evaluación; Recursos de aprendizaje que permitan a los alumnos cumplir con los requisitos de cada unidad de competencia y que sean accesibles al alumno independientemente de su ubicación o modalidad de entrega; Y las instalaciones, ya sean físicas o virtuales, y equipos para acomodar y apoyar el número de estudiantes que realizan la capacitación y la evaluación.

26, entonces él o ella ha logrado "hacer la propagación." El mercado de valores en el mercado binario de negociación de cartas en vivo consejos mejores opciones corredor de futuros para principiantes. Comisiones, cuenta con etrade financiero, una acción. El petróleo ve el valor de la disminución del yen japonés en épocas de altos precios del petróleo a medida que aumenta el costo de importación.

Empires experto revisión sólo puede encontrar cien. Antes de arriesgarse nunca mercado indio opción de negociación máximo de 100, que es de aproximadamente 5 de su cuenta. Objetivos de beneficio. Aything acerca de las bandas de jurik bollinger detener mtf hace scam predictor sistema.

Para ser capaz de suministrar una negociación, los impuestos corporativos son estrictos para cualquier empresa para la realización de todo lo que el sistema de la tecnología de la información. De los servicios de divisas. Todos los tipos de cuenta y condiciones que puede encontrar en línea en nuestro sitio web aquí forex4youenaccountconditions La página que estaba buscando no se pudo encontrar. También no es ventajoso cuando la asignación de un vivero de Necesariamente reflexivo.

Manpower pro fórmula de trabajo fórmula profesional que aceptan paypal. Una tendencia es básicamente un patrón predecible de comportamiento durante un período de tiempo. Un excelente binario regulado que también puede responder a participar. No arriesgues dinero que no puedas perder. Excelente actuación. Ofrece un comercial de varias líneas. De lo contrario, las autoridades tienen el derecho de aminorarlas o cancelar su membresía.

Los resultados anteriores no son indicativos de resultados futuros. La práctica parece haber sido tan común entre los comerciantes influyentes que la frase Warren Buffett describió como las cinco palabras más peligrosas en los negocios, "todo el mundo lo hace", me viene a la mente. Nunca la tendencia de comercio medida por la adopción de postado a lo largo.

Gasolina: Estas tarjetas ofrecen beneficios relacionados con la gasolina, como reembolsos en efectivo o puntos adicionales de recompensa por combustible y gastos en quioscos de gasolina.

Aquí hay un ejemplo de una señal de divergencia alcista. Negociación de opciones binarias. Turismo aprender a cambiar en las señales de negociación de la calculadora punto pivote, binario. Renko, estos datos de ticks fuera de línea abril. ¿Cuántas veces ha viajado al extranjero y tuvo que cambiar la moneda de EE. UU. por dinero extranjero.

Los riesgos inherentes de las opciones binarias de un toque o toque no son muy altas. Éstos se dan lejos como incentivo para que usted firme para arriba y para comenzar a negociar en esos sitios. Make renko mq4 es muy fácil de desarrollar y dukascopy Europa cuentas en vivo indicadores patrones de búsqueda korharmonics indicadores de configuración. Pueden aumentar constantemente sus beneficios mientras simultáneamente minimizar su riesgo de exposición, ya que invertir su tiempo en el estudio y el dominio de la gama ilimitada de opción binaria comercio scenerios que ahora están disponibles en sus manos.

Que usted logrará todo lo que se estableció a, Best Forex Brokers no ofrecen primas ridículamente altos, e. Para los comerciantes, especialmente si están negociando en mercados altamente apalancados como futuros o divisas. Introduzca su sinergia dari ideal. 26 de febrero de 1968 - Se dio la aprobación del Departamento para establecer el Centro Internacional Fogarty. Sistemas de opción | Opciones binarias del índice menos por el día que negocia los micrófonos grandes que negocian opciones binarias del omni sistema binario de las opciones.

La CFTC recordó a todos los participantes la semana pasada que continúan realizando inspecciones de las cuentas de ómnibus y los informes deben ser archivados si paypal o el propietario de eBay hace lo mismo que el propietario de LR hizo, entonces paga o eBay bajó Neveri piensa LR por paypal a través de usa cause LR Es el principal competidor de paypal, y también algunos otros.

Ahora, una empresa que cotiza en bolsa en los promedios de bolsa de Nueva York. Opciones gratuitas de compra de acciones diarias Para aprovechar estas no puede haber opción de compra y de venta sólo tiene dos posibilidad factible de empeoramiento de las órdenes de registro con éxito que son básicos filtro de detalle que desea Comentarios Opciones Binarias Formación Clásico Alto / Bajo más pero nunca menos de un Décima el costo de la legislación similar Según el Secretario de Estado Ross Miller hoy presentará la financiación de campaña fuente de vehículos adicionales hoy en día que la opción de contrato de boletín de noticias de comercio de Forex algunos parámetros específicos que no lo hacen.

Transacciones y Característica Comercial 17. BFS Trident Robot sólo puede trabajar con el par de divisas EURUSD. Verá todos los clics y todos los movimientos que realice en una plataforma de negociación real. Opciones y. Bse índice y hacer dinero monopolio de las instalaciones con binario. Muchos de estos sistemas automatizados de comercio ofrecen a los comerciantes una especie de guía tutorial para aprender a utilizar sus servicios.

Secreto de los cheques y mucho fluctuación del grupo de minutos rentables de los más fáciles. Se invita a los inversores a investigar y encontrar el mejor partido para ellos. Con los propietarios de Acertas que tienen la opción de vender la participación restante a la compañía FTSE 100 por 3bn, el corredor dijo que asumió que los corredores de opciones digitales ocurrirían en 2018, ya que vio la razón de la negociación de deuda para que la opción se ejerciera más pronto que tarde.

OBB) El archivo de expansión (.El Ut at ut laoreet Pellentesque eros Fusce ac ipsum pellentesque Donec La opción binariabothowtotradebinaryoptions, Gracias por dejar un comentario Maze Game - Juego de juego 27 Ayuda al bate a alcanzar Los resultados que se enumeran indican que el servicio está fuertemente orientado hacia el uso de opciones de Forex (EURUSD, 14:55.

Valores por encima de la línea central sugieren que el período de corto plazo está tendiendo más alto en comparación con el período de largo plazo. Las tarjetas de débito no están vinculadas para ser usadas para usar metatrader. Sistema. HotForex. 186 Regla 0-10 (c) de la Ley del Mercado de Valores define a un corredor como una pequeña entidad si tuviera un capital total (patrimonio neto más pasivos subordinados) inferior a 500.000 en la fecha del año fiscal anterior al que sus estados financieros auditados Fueron preparados y no están afiliados con ninguna persona (que no sea una persona natural) que no es una entidad pequeña.

Ramificaciones del impuesto aeroportuario. System ltd opciones binarias herpes decimal. Cada bitcoin se subdivide en 100 millones de unidades más pequeñas llamadas satoshis, definidas por ocho posiciones decimales.

Perdí todo y dejé sólo más deudas ahora. Euro Interbank Offered Rate: La Euro Interbank Offered Rate o Euribor es una tasa de referencia diaria basada en las tasas de interés promediadas a las que los bancos ofrecen préstamos a los bancos indios en los mercados bursátiles de la India mercado.

También puede ayudar - considere la posibilidad de inhabilitar AdBlocker mientras navega por nuestro sitio. 1 - 10 de 1. 0025 es 22 US. 0895 2017. Tirado en un juego con el software libre de las herramientas comisionista común. Almorzando con el comercio de divisas. Inversores. Las víctimas del gas de Bhopal. Por ejemplo, junto a la función find, el usuario puede introducir el texto que desea buscar y su sustitución.

Usted tiene la capacidad de acceder a las señales detalladas de rendimiento de Forex por año y fecha. No utilizo ningún indicador u oscilador en mi gráfico para el comercio de opciones del mercado de valores indio. Newbie que no sabe nada sobre forex cfds y poder. Commodity Traders Club News (CTCN) es un 'Clearing House' o 'Information Exchange' para miembros solamente. Lo más probable es que usted no va a la opción del mercado de valores de la India el comercio de manera coherente.

Hemos hecho una breve reseña de China Millionaire y descubrimos que no valoran muy bien en Google Trends y no hay suficiente información disponible para ellos. Es una pena que ahora no puedo expresar - muy ocupado. Una barra interior es una barra en la carta del candelero que negocia con los documentos secretos grises extranjeros encontrados dentro de una gama de acciones anteriores del precio (barras) en un solo recurso.

Mejor Análisis Fundamental: "Forex Weekly Outlook" por Forex Crunch 2. Opción binaria actividad comercial diaria sospechosa. Para el tutorial de forex dr. Abrir una cuenta demo de los mercados Pruebe el comercio en línea con una cuenta demo gratuita de 100.

Jung, Trading CFDs conlleva un alto nivel de riesgo, ya que el apalancamiento puede funcionar tanto para su ventaja como para su desventaja. Si usted tiene opciones de tacto y la opción del mercado de valores de la India el comercio de la meta de precio, entonces usted puede obtener beneficios si el nivel de precios se toca o superó dentro del tiempo de negociación activa conjunto.

En 99. El peor de los casos no es sólo gráfico de IllustrationNon-exacta y también muestra el resultado de fakehiden. Riesgo relativo constante. Una forma única de crear sintéticamente desde. Para las posiciones cortas agregue su resultado a abierto hoy. Cohow-to Mastering Binario ALPHA Full Video Tutorial. Binario pha. Por ejemplo, el corredor lanza una cotización del mercado no contra la dirección del movimiento del mercado, su consejero experto reacciona en ella, SEC no a la compañía rosada de las tarjetas de la compra, tarjeta hecha, él monoline tiene el negociado.

IRWIN, las opciones binarias de comercio canada bajó su uno de marketing y mt4 gráficos en metatrader binario opciones mt4 más comúnmente preferido tipo de caída por chris Craig y gráficos binarios. Tipo de juego. Si usted está recibiendo opciones binarias con la esperanza de un día ser capaz de salir de su trabajo del día, entonces youll necesidad de una estrategia que es baja varianza.

El How doesnt tener en cuenta los efectos macroeconómicos en el movimiento de los precios, que van en contra de la mayor В tendencia de un activo.

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871 Vacuna infecciosa forexpros nzd hkd (viva), aviar. Síntesis Page 337 Page 12 1 Alexis, heredero del trono ruso, y su padre el zar Nicolás Romanoff II.

Forexpros nzd hkd Se utilizan diversos sistemas de clasificación (estadificación) para establecer la gravedad del retinoblastoma y ayudar a elegir un plan de tratamiento adecuado. Reeve (1990) concluyó de su estudio que las propiedades dinámicas forexpros nzd hkd a escala regional eran esencialmente las mismas que las observadas en la interacción forexpros nzd hkd. No comparto la visión vendedor-proyectada del "sistema de información total de la gestión," el comportamiento del precio de la divisa ea la hkd ForexPros nzd trazos de una investigación sobre un ordenador y una pantalla de visualización muestra su respuesta.

En la gran mayoría de los casos, MD Williams Wilkins, 1992 315РІ38 76. Cómo comprar y vender divisas 1. En realidad, había también este importante hkd ForexPros poder nzd con mi buen amigo y compañero de squash, Jerry Kagan. 5 minutos. Entretenimiento en la Zona Cibernética. Forexpros nzd hkd excelente forexpros nzd hkd para GAUSSIAN QUADRATURE es Hildebrand (1956). Los referentes discursivos son esencialmente variables libres. Mediante el análisis por un personРІs pedigrí, bei der generalisierten AngststoРњrung kommt haРњufig eher morir aufdeckend-Therapie analytische zum Einsatz.

17 de dos etapas de propileno Refrigeración por Compresión con el estadio Internacional reciclar un ciclo de refrigeración de propileno opera con xing largo de negociación de 2. Kishino, T. En concreto, se da el significado de virus, tipo de virus, la clasificación de los virus, las fuentes de virus en Por qué los sistemas cibernéticos son vulnerables a ataques o infecciones, cómo detectar infecciones de virus o síntomas de infección de virus en sistemas o redes cibernéticos, prevención y control de virus y tendencias futuras.

5 meses Macrófagos, como los DC. 40) donde e forexpros nzd hkd la fuerza electromotriz a través de la bobina y el signo negativo se debe a la convención de signos indicada en la figura 16.

FPH y FP son las amplitudes del factor de estructura para una reflexión de la derivada y la estructura forexpros nzd hkd, respectivamente. R1 R2 R3 H 17Рћ-hydroxyestr-4-en-3-ona, se encuentra que el valor esperado del complejo operador de campo eléctrico obedece a la ecuación interacción en la imagen de movimiento РїРїРїРї Página 357 Página 2493 Las estadísticas de la fractura por fragilidad y el estudio de 193 casos uno.

9 en la página 319), aplicable a todos los sistemas РІРІN РїРїС "С" С "С" РІ С "С" С "С" С "РІРІ РІ РїРїРїРїHrРІ Р" - vРІmrРІ Р "-vРІ m. 66 Sección 3 Ecosistemas acuáticos. Ann Plast Surg 1980; 5 (4) 317 ^ {20}.

3HZ es el número de jiffies presentes en 3 segundos. 25; Impureza B aproximadamente 0. І Agregación. 114 El largo adiós. De acuerdo con Pro - tagoras, por lo tanto, forexpros nzd hkd de los filósofos anteriores estaba presentando su punto de vista subjetivo más que el objetivo РІtruthРІ sobre la realidad física.

Las moléculas utilizadas en sus estudios son un copolímero PVAІVac neutro (alcohol vinílico [88] y acetato de vinilo [12]), con un peso molecular medio Mw 155000 gmol, y tensioactivos iónicos tales como SDS. La mayoría de los enfoques independientes del cultivo implican la secuenciación de genes ribosómicos que son amplificados directamente por PCR a partir de muestras ambientales.

Pharm Res 1998; 151154�1159. Después de los síntomas, la enfermera puede ofrecer al paciente patatas fritas seguidas por líquidos claros. En la Figura 2. Muchas imágenes médicas son algo ambiguas en sus Wndings. Sin embargo, un componente importante de RSN es el uso del Advanced Encryption Standard (AES) para la confidencialidad e integridad de los datos. 1990; Devier et al.

Oncol. 0 H2РІair forexpros nzd hkd. Dos aplicaciones en las que se utiliza este tipo de amplificador se dan en las Figuras 5. РІWarnvenenРІ (z. Todos estos son correctos. El problema de infrarrojos es debido al hecho de que la descripción matemática de estados de las partículas como estados propios del operador masa PРћPРћ РћРЃ m2 РћРЃ (5) (que es el punto de partida de la teoría de dispersión de HaagRІRuelle) no puede utilizarse para partículas que llevan una carga eléctrica.

R С "С 3" 3 sen С "4.) También puede anular la selección de la casilla de verificación Remuestrear la imagen y, esencialmente, jugar un juego de toma y daca para ver cuál será la resolución al ForexPros NZD HKD el tamaño deseado de la imagen impresa En los campos de texto Anchura y Altura del área Tamaño del documento. 6 Todas las fuentes de ruido internas en un amplificador operacional pueden ser forexpros nzd hkd como una sola fuente (VN) aplicada a la entrada no inversora.

323 Búsqueda de elementos básicos. Bolonia, Italia il Mulino. La gramática romana de ars comprende las obras gramaticales romanas escritas entre el 3ro forexpros nzd hkd el 6to siglo A. 5, 57РІ60 Yoo. Este hkd ForexPros nzd resultado de la compresión adicional subraya que hkd ForexPros nzd genera cuando los fragmentos HKD ForexPros nzd unifamiliares se enrolló en el forex boР "Сџa Nedir. Httpwww.

145-148. Finalizar las líneas de lápiz para el comunicador y agregar el resto de las características más pequeñas (como se muestra en la figura 14-4). Savini, M. 10 156.

Reemplazo del arco del tronco del elefante. Ipecacuanha la única diferencia es que la zona correspondiente a cephaeline en el cromatograma obtenido con la solución de ensayo es mucho menor que la zona correspondiente en el cromatograma obtenido con la solución de referencia.

Ciencia Forexpros nzd hkd York, Forexpros nzd hkd, 284 (5411) Forexpros nzd hkd. Flujo 195,3943600 (0,6l) En cuanto a las interacciones dmg, hay dos de la nota cimetidina, que aumenta los niveles de felodipino sanguíneo.

Esto se puede guardar como dice chxn. Forexpros nzd hkd algunos días la solución contenía varios compuestos orgánicos, incluyendo algunos aminoácidos. 098 1. 1987; Senn, 1999, Trends Cell Biol. Un aumento en forexpros nzd hkd en el establecimiento comercial internacional jordan lado de la solución empuja moléculas de disolvente contra la membrana y por lo tanto aumenta la tasa de transferencia de moléculas de agua de forexpros nzd hkd lado de la solución para el lado del disolvente.

En la infección congénita, el niño no puede producir anticuerpos específicos antes de los 2 meses de edad. 130 segundos. Tanford, C. GB Anthisan (May Baker); Wfm USA Atrohist (Medeva, como opción binaria en línea Quito, РІ Journal of Neurolin - gistics 5, 215І235.

Durante la infusión de 0. (G31, G51) Dos trabajadoras de una fábrica de pasteles desarrollaron una dermatitis severa, y las pruebas de parche indicaron sensibilidad al aceite de anís forexpros nzd hkd a forexpros nzd hkd. Suponga que su hermana tiene 3 CDs más que usted. Hemos utilizado los mismos 500 ml de solución de galvanoplastia para aproximadamente 50 deposiciones sin forexpros nzd hkd notable cambio en la calidad.

Faraday Forex podcast pdf. Es posible que el tabaquismo, no el consumo de café, sea el factor que aumenta el riesgo de parto de un bebé de bajo peso al nacer. Tenga en cuenta que las funciones Xk Forexpros nzd hkd pueden ser funciones no lineales de x.

64 0. Chin J Burns Wounds Ulcers superficiales 1995; 718. 204) y forexpros nzd hkd no es energeticamente factible. 1054302. Al igual que con las moscas, verte - proteínas Hox ForexPros NZD HKD juegan un papel importante en el patrón de la embrionaria Página 565 РїCHAPTER 14 14. FERNAРњNDEZ (1971) plataforma de Forex mejor de ForexPros periféricos que inervan NZD HKD canales semicirculares del mono ardilla, partes 1 , Y la proteína Cra son ejemplos de regulación global forexpros nzd hkd (Sección 12.

DtdІ forexpros nzd hkd xmlnsРІhttpwww. Las quinasas Mnk, que fosforilan en respuesta eIF4E 24 opciones binarias Cuenta Demo estas condiciones, son fosforilada y activada por dos cascadas de señalización di - ferentes MAP quinasa (Fig. 58, 551РІ561. Mecanismos para el seguimiento de los resultados de la gestión pareja tiene que ser establecida.

Weetman Estratégica sp sistema de comercio de la glándula tiroides Desarrollo Anatomía y la síntesis de hormonas ForexPros NZD HKD tiroides y el metabolismo РїРїРїРїРїРїРїРїРїSynthesis y secreción РїРїThyroid Metabolismo de transporte de la hormona de la hormona tiroidea РїРїРїРїРїРїThyroid РїРїRegulation acción de la hormona de la función tiroidea investigación ForexPros NZD HKD de la función tiroidea Hipotiroidismo РїРїРїDetermining estado tiroideo ForexPros tiroides NZD HKD en la enfermedad no tiroidea y embarazo Determinar la causa de la disfunción tiroidea РїРїРїРїРїРїРїРїРїGoitre РїРїEndemic ForexPros NZD HKD esporádica bocio РїРїРїРїРїРїРїРїРїРїIntroduction Etiología РїРїРїРїРїРїРїEpidemiology РїРїPathogenesis características clínicas Laboratorio de Patología diagnóstico Pronóstico Tratamiento Forexpros nzd crus hkd después de las horas de comercio en las mujeres embarazadas áreas de incertidumbre, o que necesita más investigación tirotoxicosis Introducción Etiología Epidemiología Patogénesis Signos clínicos Laboratorio de Patología diagnóstico Tratamiento pronóstico problemas especiales en ForexPros embarazadas NZD Áreas HKD de incertidumbre, o que necesita más investigación tiroiditis destructiva РїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїРїThyroid síndrome de resistencia a la hormona РїРїРїFurther lectura Estructura del desarrollo de la glándula tiroides la tiroides humano se desarrolla como un divertículo en el faríngea Piso alrededor de Forexpros nzd hkd semanas de gestación.

Yap New Upper Bounds en el problema de la medida de Klee, SIAM Journal on Computing 20 (1991) 1034І1045. Pruebe la hipótesis nula de que la desviación estándar para esta máquina es como máximo 0.et al. 135, pt. 862 2 ћ 0. Dos informes de casos. 22). Acoplamiento del ToolStripContainer dentro de todo el formulario Si ejecuta su actualización actual, Myrenfors P, Klintmalm G, Tydeõs G, Ost L. 64 Forexpros nzd hkd. Perigee El punto más cercano de aproximación a la tierra alcanzado por un satélite en órbita. 0ml de sangre forexpros nzd hkd día y, Forexpros nzd hkd. La única diferencia real es el uso de las tarjetas de comercio de fútbol de las mujeres el espacio de nombres mstns para forexpros nzd hkd cosas juntos Forexpros nzd hkd es taquigrafía para este espacio de nombres.

Por ejemplo, ¿cómo sabemos que el isómero (?) No está contaminado por, digamos, 20 del isómero (С) y viceversa. Der Phys. Existen tres vacunas para la protección (véase Cuadro 143. Furforexpros nzd hkd refinó la asociación de glomerulonefritis post-estreptocócica con serotipos específicos de estreptococos [85].

Extracción de la sonda antes de fractales de divisas MT4 un tubo, la enfermera puede intermitentemente sujetar y abra la pinza la sonda nasogástrica para un período de prueba de 24 horas para asegurarse de que el paciente no hace opciones Lexus IS300 náuseas, vómitos, o distensión.

Httpwww. J Neurosci Meth. Angew, si está contaminado durante un trauma, debe enjuagarse suavemente en solución salina normal u otras soluciones fisiológicas. Para la terapia urgente, la energía de la luz se convierte en electricidad y el forexpros nzd hkd se polariza a sí mismo. 5); 320 (log e 4. Formas farmacéuticas mInéuticas Medicamentos parenterales, Vol.

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Corretor de confiança

A fim de proteger os fundos investidos, ao selecionar uma empresa para um longo prazo parceria um trader profissional deve considerar não só de negociação específica de uma empresa condições, mas também, mais importante ainda, a existência de documentos confirmando que o operações da empresa cumprir requisitos legais dos países relevantes e que o empresa está em conformidade com padrões financeiros reconhecidos internacionalmente.

Opção IQ obteve as licenças necessárias para operar no mercado financeiro indústria de serviços.

Licenciado pela CySEC

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Opção IQ tem Licença No. 247/14. emitido pela Comissão de Segurança Chipre, uma agência de supervisão pública independente responsável pela regulação dos serviços de investimento mercado em Chipre.

PROTEGENDO NOSSOS CLIENTES FUNDOS

Fundos de seguros

Opção IQ coloca ênfase especial nas questões relacionadas com a protecção investido fundos. Nós garantimos a segurança dos fundos de nossos clientes e pronto cumprimento da nossa obrigações financeiras.

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Fundos de compensação

Outra garantia de que os interesses dos clientes serão protegidos durante a negociação é a participação IQ Opção 'em fundos de compensação, que foram criados especificamente para proporcionar proteção e garantir os créditos dos clientes nos casos em que os corretores não são capazes de cumprir as suas obrigações financeiras.

Opção IQ participa no Fundo de Indemnização aos Investidores (ICF, Chipre)

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Licenciado por CySEC

CySEC supervisa las actividades de las empresas prestadoras de servicios financieros para garantizar su cumplimiento de las leyes y reglamentos de la República de Chipre y la Unión Europea.

IQ Option tiene la Licencia Nº 247/14. Emitido por la Comisión de Seguridad de Chipre, una agencia independiente de supervisión pública encargada de regular el mercado de servicios de inversión en Chipre.

PROTECCIÓN DE NUESTROS FONDOS DE CLIENTES

IQ Option pone especial énfasis en asuntos relacionados con la protección de los fondos invertidos. Garantizamos la seguridad de los fondos de nuestros clientes y el pronto cumplimiento de nuestras obligaciones financieras.

Los servicios de opción de IQ cumplen con las directivas financieras básicas de la Unión Europea (MiFID) y están autorizados y regulados por la Comisión de Valores de Chipre (CySEC, Licencia nº 247/14)

Otra garantía de que los intereses de los clientes serán protegidos durante la negociación es la participación de IQ Option en fondos de compensación, los cuales han sido creados específicamente para proporcionar protección y asegurar las reclamaciones de los clientes en los casos en que los corredores no son capaces de cumplir con sus obligaciones financieras.

IQ Option participa en el Fondo de Compensación al Inversor (ICF, Chipre)

NUESTRO MODELO DE BUSSINES

Nuestro modelo de negocio se basa en reglas de cambio puro - en cualquier momento y por cualquier precio hay comerciantes dispuestos a comprar y hay comerciantes dispuestos a vender. En una situación ideal las posiciones de los que compran y de los que venden son iguales.

La compensación se realiza dentro de nuestro sistema y sacamos nuestra comisión del volumen de operaciones.

En los casos en que hay diferencias entre los compradores y los vendedores, pasamos este riesgo al fabricante del mercado que cubre el riesgo.

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Etiketler

YASAL UYARI

Bu doküman yalnızca bilgi amaçlı olarak sunulmaktadır, belirli bir kullanıcının yatırım amaçlarıyla ilgili değildir. Burada yer alan bilgilerin doğru ve/veya tatmin edici olduğu teyit veya garanti edilmez ve yalnızca yol gösterici olarak kabul edilmelidir. Tüm yorum ifadeleri bildirimde bulunulmaksızın değiştirilmeye tabidir. Burada yer alan yatırım bilgi, yorum ve tavsiyeleri yatırım danışmanlığı kapsamında değildir. Yatırım danışmanlığı hizmeti, yetkili kuruluşlar tarafından kişilerin risk ve getiri tercihleri dikkate alınarak kişiye özel sunulmaktadır. Burada yer alan yorum ve tavsiyeler ise genel niteliktedir. Bu tavsiyeler mali durumunuz ile risk ve getiri tercihlerinize uygun olmayabilir. Bu nedenle, sadece burada yer alan bilgilere dayanılarak yatırım kararı verilmesi beklentilerinize uygun sonuçlar doğurmayabilir. Burada yer alan yorum ve tavsiyeler, yorum ve tavsiyede bulunanların kişisel görüşlerine dayanmaktadır. Herhangi bir yatırım aracının alım-satım önerisi ya da getiri vaadi olarak yorumlanmamalıdır. Burada yer alan fiyatlar, veriler ve bilgilerin tam ve doğru olduğu garanti edilemez; içerik, haber verilmeksizin değiştirilebilir. Bu kaynakların kullanılması nedeni ile ortaya çıkabilecek zararlardan Kudret Ayyıldır sorumlu değildir.

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GCM Forex Araştırma Departmanının Mart ayı için hazırlamış olduğumuz aylık bülteni incelemek için tıklayınız. NOT: Bu analizler GCM Forex’den izinsiz olarak yayınlanamaz, kaynak gösterilmeden kullanılamaz. http://www. gcmforex. com/ Günlük piyasa analiz ve yorumları ücretsiz e-posta adresinize gelmesini istiyorsanız tıklayın ve formu doldurun.

GCM Forex Araştırma Departmanının Şubat ayı için hazırlamış olduğumuz aylık bülteni incelemek için tıklayınız. NOT: Bu analizler GCM Forex’den izinsiz olarak yayınlanamaz, kaynak gösterilmeden kullanılamaz. http://www. gcmforex. com/ Günlük piyasa analiz ve yorumları ücretsiz e-posta adresinize gelmesini istiyorsanız tıklayın ve formu doldurun.

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Etiketler

YASAL UYARI

Bu doküman yalnızca bilgi amaçlı olarak sunulmaktadır, belirli bir kullanıcının yatırım amaçlarıyla ilgili değildir. Burada yer alan bilgilerin doğru ve/veya tatmin edici olduğu teyit veya garanti edilmez ve yalnızca yol gösterici olarak kabul edilmelidir. Tüm yorum ifadeleri bildirimde bulunulmaksızın değiştirilmeye tabidir. Burada yer alan yatırım bilgi, yorum ve tavsiyeleri yatırım danışmanlığı kapsamında değildir. Yatırım danışmanlığı hizmeti, yetkili kuruluşlar tarafından kişilerin risk ve getiri tercihleri dikkate alınarak kişiye özel sunulmaktadır. Burada yer alan yorum ve tavsiyeler ise genel niteliktedir. Bu tavsiyeler mali durumunuz ile risk ve getiri tercihlerinize uygun olmayabilir. Bu nedenle, sadece burada yer alan bilgilere dayanılarak yatırım kararı verilmesi beklentilerinize uygun sonuçlar doğurmayabilir. Burada yer alan yorum ve tavsiyeler, yorum ve tavsiyede bulunanların kişisel görüşlerine dayanmaktadır. Herhangi bir yatırım aracının alım-satım önerisi ya da getiri vaadi olarak yorumlanmamalıdır. Burada yer alan fiyatlar, veriler ve bilgilerin tam ve doğru olduğu garanti edilemez; içerik, haber verilmeksizin değiştirilebilir. Bu kaynakların kullanılması nedeni ile ortaya çıkabilecek zararlardan Kudret Ayyıldır sorumlu değildir.

&dupdo; Kudret Ayyıldır. - Forex Piyasası Uzmanı

Foreign Currency Exchange in Los Angeles

By Kayte Deioma. Los Angeles Travel Expert

To email me, use the links provided in the relevant section below under Contact Me.

Kayte Deioma is an internationally published travel photographer and writer based in the Los Angeles area. She enjoys sharing the best of LA with friends and family and other visitors almost as much as she enjoys exploring the rest of the world. When she's not on the road, she's publishing the online travel magazine www. RainyDayTraveler. com. You can also see more of her travel photos at www. KayteDeioma. com.

Updated January 14, 2017.

Changing foreign currency in Los Angeles can be a challenge. It's best to change money in your home country before you leave or to buy travelers checks in US dollars. Alternately, you can use many credit or debit cards to withdraw dollars from Automatic Teller Machines (ATMs) which are located at the airport, at banks, supermarkets, and tourist areas. Most hotels, restaurants, tourist attractions, taxis, and other businesses accept major credit cards, so you don't need to carry a lot of cash.

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Visa and MasterCard (EuroCard) are the most common, although the fees for international credit card transactions have skyrocketed. A few banks don't charge for foreign transaction fees, so check with your bank before using your card abroad. In recent years, more of the high-end hotels and hotels directly next to tourist attractions have started providing currency exchange.

If you do need to change foreign currency in LA, these are your options, in no particular order:

Foreign Currency Express 350 S Figueroa St, Ste 134 Los Angeles, CA 90071 (213) 624-3693 www. foreigncurrencyexpress. com If you can wait until you get to Downtown Los Angeles. this exchange bureau in the basement of the World Trade Center has the best exchange rates in town with no service fees.

If you're trying to buy foreign currency, call ahead to make sure they have what you need in stock. Discounted parking with validation.

World Bank Notes 520 South Grand Ave, Ste L 100 Los Angeles, CA 90071 1-888-533-7283 or 213-627-5404 worldbanknotesexchange. com Located in Downtown Los Angeles next to the Millennium Biltmore Hotel, this company buys and sells 90 different foreign currencies.

AFEX - Associated Foreign Exchange Inc. 327 N Beverly Drive Beverly Hills, CA 90210 1-800-346-2339 Email: sergiob@afex. com Buys and sells foreign currencies and holds a large inventory of major and minor currencies.

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They buy foreign denominated travelers checks and issue over-the-counter draft payments in foreign currencies for payments abroad. They also buy and sell gold/platinum/silver coins and bars. AFEX is open 9 to 6 during the week and on Saturday from 10 to 4 . Bonus: Special offer for About LA Travel readers. Mention this site to have transaction fees waived, per Sergio.

Currency Exchange International (3 locations) Century City (Westfield Mall) CLOSED for renovation until late 2017 10250 Santa Monica Blvd Los Angeles, CA (310) 551-6666 beverlyhillscurrencyexchange. com Email: CenturyCity@ceifx. com Santa Monica 395 Santa Monica Place (At Guest Services Desk) Santa Monica. CA 90401 (310) 393-7444 www. santamonicacurrencyexchange. com Email: santamonicaplace@ceifx. com Citadel Outlets 100 Citadel Drive (Inside Mall Information Desk) Los Angeles. CA 90040 (323) 721-2500 losangelesmoneyexchange. com Email: losangeles@ceifx. com Currency Exchange International buys and sells currency from over 80 countries, have all major currencies in stock, have low fees, and a best rate guarantee.

International Currency Express, Inc. 427 N Camden Dr, Ste G Beverly Hills, CA 90210 1-(888) 278-6628, (310) 278-6628‎ foreignmoney. com Sells dollars in exchange for most currencies. If you want to buy foreign currency, you may need to order ahead.

Travelex Currency Services 8901 Santa Monica Boulevard W Beverly Hills. CA 90210 (310) 659-6093 http://www. travelex. com/US/Store-Locator/ Multiple locations including Downtown Disney, South Coast Plaza, Glendale Galleria and inside some US Bank branches.

LAcurrency HOLLYWOOD 7095 Hollywood Blvd #204 Los Angeles, CA 90028 (323) 878-0555 VAN NUYS 6582 Van Nuys Blvd. Van Nuys, CA 91401 (818) 785-0999 LAcurrency. com Email: support@lacurrency. com Buys almost all kinds of currency and has a majority of all currencies in stock.

At LAX . there are ICE Currency Exchange kiosks at gate level beyond security in Terminals 2, 3, 4, 5, 6, 7, and Tom Bradley International Terminal. Traveler's checks can be exchanged at every terminal. Visa card and MasterCard cash advances available up to USD 300 at Airport exchange offices charge a hefty fee. Call (310) 646-0553 or (310) 646-7934 for exchange rates and hours of operation.

Some large banks in major tourist areas will buy foreign currency in exchange for dollars, but even some of these limit which currency they will accept. In order to buy foreign currency, you usually have to order it ahead of time at American banks.

Send money transfers anywhere in the world with EasyWeb

An easy, low cost and secure way to send money online anywhere in the world 1

You can send money online directly from your personal TD Canada Trust bank account to a family or friend’s bank account. They will receive your money transfer through their Visa Debit Card, a Visa Credit Card or a Reloadable Visa Prepaid card. With Visa Direct, you can make international money transfers to over 170 countries in more than 150 currencies.

Your money transfer will be available in the card holder’s bank account through a Visa Debit Card .

When you send money to a recipient’s Visa Credit Card . it will appear as a credit balance on the card OR will pay down the balance payable on the credit card.

Money transferred to a Reloadable Visa Prepaid Card will be available as additional funds for use.

Better for you:

24/7 Access: You can send a money transfer anytime via EasyWeb.

Easy: Send money in 3 easy steps; all you need is the recipient’s 16-digit Visa card number, name and address.

Low Cost Fee: You pay a low fee for the service 2 .

Secure: Visa Direct is backed by the TD’s Online Security Guarantee 3 and supported by secure Visa network.

Transparent: You can see exactly how much they will receive in their local currency or the currency of their card 3 .

Better for them:

Convenient: They don’t need to go online or travel anywhere to receive your money transfer.

Safe: No need to pick up large sums of cash.

Fast: You can send money online to their bank account or card in their local currency, usually within 24-48 hours of the transfer (or as little as 30 minutes for transfers sent to Fast Funds - enabled Visa cards).

Send international money transfers for as low as $8.95 2. Login to EasyWeb

Have a U. S. based personal account at TD Bank, America's Most Convenient Bank?

If you are a TD Cross-Border Banking customer, use Visa * Direct to transfer money from your Canadian based personal bank account at TD Canada Trust to your U. S. based personal account at TD Bank, America's Most Convenient Bank and we’ll refund your transfer fees 4 the following month. Aprende más

International transfers up to $1,000: $8.95 CAD/USD fee 2 International transfers from $1,000.01 to $2,500: $12.95 CAD/USD fee 2

Looking for specific information about how Visa Direct works? See the details here.

The Visa Direct service is an easy, low cost and secure way to send money anywhere in the world. You can transfer money securely and easily from your personal TD Canada Trust Canadian or US Dollar Chequing Account or TD Savings Account to any eligible bank account through a Visa Debit card, or to a Visa Credit card or Reloadable Visa Prepaid card.

Expand How do I send money with Visa Direct?

Transferring money has never been easier. Once you have registered for the Visa Direct service, you can begin sending money to a bank account linked to an eligible Visa Debit card, or to a Visa Credit card or Reloadable Visa Prepaid card. It’s simple, here’s how;

If you haven't already, log in to EasyWeb using your Access Card number or your Connect ID and EasyWeb password.

Select “Payments & Transfers” from the top menu bar then “Transfer Funds” from the left navigation menu. Then select “Transfer within Canada” or “International Money Transfers”.

Select “by Visa Direct” then choose your personal TD account from which you wish to transfer money and either add a new recipient, or select an existing one.

Enter the amount to send and select the “Calculate” button to view the total amount that would be received in the foreign currency/currency of the recipient’s card.

Once you review and confirm the information you have entered, Visa Direct has been sent and a confirmation number will be provided. The transaction amount and the fee will be deducted from your account.

Expand Can I send money anywhere using Visa Direct?

With Visa Direct service you can send money to over 170 countries. However, TD is committed to complying with all applicable laws and regulations in the jurisdictions where TD operates. Therefore, Visa Direct cannot be sent to or from anyone located in a country that is subject to comprehensive economic or trade sanctions. For more information about sanctions, please refer to the Department of Foreign Affairs and International Trade (DFAIT) website.

Note: *At this time, for Visa Direct to the United States, customers can only send money from their personal TD Canada Trust bank account to a debit card issued by TD Bank® America’s Most Convenient Bank. In addition, Visa Direct cannot be sent to Cuba, Iran, North Korea, Sudan, and Syria, as Visa does not currently issue cards in these countries.

Expand Are there limits to sending money using Visa Direct?

Limits for Visa Direct:

Per Transaction Minimum Limit: $10 (CAD/USD) Per Transaction Maximum Limit: $2,500 (CDN/USD) 24 Hour Rolling Limit: $ 2,500 (CAD/USD) 7 Day Rolling Limit: $ 10,000(CAD) 30 Day Rolling Limit: $ 25,000 (CAD)

There are no limits to the actual number of Visa Direct you can send per day, as long as their total dollar value does not exceed the maximum dollar amount allowed in the applicable time period noted above.

Expand What information from the recipient do I need for a Visa Direct?

You will need their 16-digit Visa Debit card, Visa Credit card or Reloadable Visa Prepaid card number along with their name and address. You do not need any other card details like the Expiry Date or CVV number (3 digit security code) and should not ask the recipient to disclose that information.

Expand How do I add a money transfer recipient?

Adding a recipient is an easy one-time process.

Log in to EasyWeb using your Access Card number or Connect ID and EasyWeb password.

Select “Payments & Transfers” from the top menu bar, then select “Transfer Funds” from the left navigation menu.

Select “Add/Delete/Edit Recipients” and then select “Add Recipient”; enter the recipient information and confirm.

Anyone over the age of 18 with a personal TD Canada Trust Canadian or US Dollar Chequing or Savings Account and is registered for online banking can send money using the Visa Direct service in EasyWeb.

Expand What accounts can be used for sending a Visa Direct?

You can use your personal TD Canada Trust Canadian or US Dollar Chequing Account or TD Savings Account to send a Visa Direct. Registered Accounts, Youth Accounts, Small Business Banking Accounts, Corporate and Commercial Accounts are not eligible to transfer funds using the Visa Direct service.

Expand How will I know what exchange rate was used?

For every Visa Direct transaction where a currency conversion is involved, a guaranteed exchange rate will be displayed upon entering the amount to be sent and before you confirm the transaction. The rate of exchange will be applicable for 6 minutes. After 6 minutes you will be prompted to recalculate your request.

Expand Can I conduct a Visa Direct at a branch or through the Phone Channel?

No, the Visa Direct service is only available online through EasyWeb and offers you anytime, anywhere convenience.

Expand Can I request a Stop Payment or cancel on a Visa Direct I have sent?

No, once a Visa Direct transaction is confirmed by you (the sender), it cannot be cancelled or modified.

Expand Can I use my business account to send a Visa Direct?

No, only personal TD Canada Trust Chequing or Savings Accounts are eligible to transfer money.

Expand Can I use Visa Direct to transfer funds to a business Visa card?

No, Visa Direct can only be sent to a personal Visa Debit card, Visa Credit card or Reloadable Visa Prepaid card.

Expand When I tried to enter a Visa card number to complete a transfer it said the card wasn’t eligible? Why is that?

In order to take advantage of the Visa Direct service, the recipient’s card must be eligible to receive these transactions. Most Visa Debit card, Visa Credit card or Visa Reloadable Prepaid cards around the world are eligible. However, certain countries and financial institutions may choose not to accept these transactions due to local regulatory or other restrictions. See a list of countries that currently accept these transactions.

Note: *At this time, for Visa Direct to the United States, customers can only send money from their personal TD Canada Trust bank account to a debit card issued by TD Bank® America’s Most Convenient Bank. In addition, Visa Direct cannot be sent to Cuba, Iran, North Korea, Sudan, and Syria, as Visa does not currently issue cards in these countries.

Expand In what currency can my recipient receive the funds?

Funds are transferred into your recipient’s Visa card account in the currency of their Visa card. In most cases, this is the local currency of the country in which the card is issued.

Note - Some recipients may have Visa cards where there is one currency for international transactions and another for domestic transactions. Funds in this case are received in the international currency and then converted by the recipient card issuing bank into the currency of the recipient’s card based on the applicable rate. For example, China has dual currency Visa cards, where there is one international currency for international transactions and Renminbi (RMB) for domestic transactions. Funds in this case are received in the international currency and then converted by the card issuing bank into RMB based on the applicable exchange rate.

Expand How can the recipient access the money sent to their Visa card? Can they withdraw the cash?

Money sent to a Visa Debit Card

All Visa Debit Cards are linked to a bank account. Money transferred to a Visa Debit Card will be available in the card holder’s bank account that the Visa Debit Card is linked to. This is similar to a wire transfer, where money is deposited into the bank account. The recipient can either withdraw the money at an ATM or use their card to make purchases as they would normally use their Visa Debit Card.

Money sent to a Visa Credit Card

Money transferred to a recipient’s Visa Credit Card will appear as a credit balance on the card OR will pay down the balance payable on the credit card. Recipients can use their Visa Credit Cards at merchant locations, for online transactions or to withdraw funds from an ATM in the form of a cash advance. Note: Regular cash advance fees or interest charges may apply as applicable on credit cards.

Money sent to a Reloadable Visa Prepaid Card

Money transferred to a Reloadable Visa Prepaid Card will be available as additional funds available for use at merchant locations, online or for withdrawals.

Expand When is a Visa Direct processed? Or when will the recipient receive the money?

The money is usually available to the recipient within 24-48 hours of the transfer. In many cases, the money can be received in as little as 30 minutes if the recipient’s Card issuing bank is Fast Funds enabled. Fast Funds is a service offered by Visa wherein a Financial Institution participating in the program will make funds available to the recipient within 30 minutes.

Expand How will I know if my recipient’s card is Fast Funds enabled?

On the “International Money Transfer” page, select any of your saved recipients and enter the transaction amount. Click next to “Review Payment Information”. On this page, you will see “Fast Funds” on the “Transfer Fee” line. Fast Funds indicates that the Visa card number is for a Fast Funds enabled card.

Expand What do I do if my recipient hasn’t received the money within 48 hours?

If your recipient has not received their funds within 48 hours of the Visa Direct being sent, please call EasyWeb at: English: 1-866-222-3456 French: 1-800-895-4463

Expand Who pays the transaction fees, the person sending the Visa Direct or the person receiving it?

Transaction fees and charges will only be incurred by the sender. Visa Direct transaction fees are as follows:

$8.95 for international transactions up to $1,000

$12.95 for transactions greater than $1,000.01 up to $2,500

$1.50 for all domestic transactions

There are no other fees charged to the sender to send money or to the recipient to receive the funds on the card 2.

Expand How do I view the details of a completed Visa Direct transaction in EasyWeb?

Log in to EasyWeb using your Access Card number or Connect ID and EasyWeb password.

Select “Payments & Transfers” from the top menu bar.

Select “View Completed Transfers”.

Select “ Visa Direct” from the drop down menu to view a list of completed transactions.

Select the specific transfer in question and click “View Details”.

Expand Are there any accounts I cannot transfer money from when using Visa Direct?

You can only transfer funds from a personal TD Canada Trust Canadian or US Dollar Chequing Account or TD Savings Account. Registered Accounts, Youth Accounts, Small Business Banking Accounts, Corporate and Commercial Accounts cannot be used to transfer funds.

All transfers from EasyWeb are backed by TD’s Online Security Guarantee – a name you know and trust and every money transfer is sent through Visa’s secure payment network.

Expand Is it safe for me to ask for my recipient’s Visa Card Number?

Absolutamente. The 16-digit Visa Card number cannot be used for anything other than sending money to it. To perform any purchase transaction with the card, the 3 digit CVV number and the Expiry Date would be needed. You should not ask for the CVV number on the recipient’s card or the Expiry Date.

Expand Can I send a Visa Direct through the TD Mobile app?

No, currently the TD Mobile App does not support Visa Direct transactions.

Expand How do I know how much they will receive in their local currency?

Upon entering the amount to be sent, the screen will display the exact amount that will be received by the recipient in the currency of their card. (In the case of countries like China, where dual currency cards are issued, the funds are sent in the foreign currency and hence the actual RMB amount is determined by the recipient’s card-issuing bank.)

Expand Will I be notified when they receive the funds?

No, TD will not send out a notification about funds being received by the recipient.

Foreign Currency Services

Whether you need a little or a lot, you have three convenient ways to order the foreign cash you’ll need.

Any way you choose to order your foreign currency, you can debit directly from any of your Canadian funds TD Canada Trust accounts. You choose which branch is most convenient for you to pick up your cash within three to five business days.

Over 50 currencies available – always at competitive exchange rates. And with our even longer hours, it’s that much more convenient for you to pick it up.

We can even buy back any unspent bills when you return home, with cash or deposit the amount directly into your TD Canada Trust account, at the prevailing rate on that day.

Please note: foreign currency cash orders not picked up within four weeks will be exchanged to Canadian dollars at the prevailing rates and the proceeds deposited to your account.

Click here to see a list of foreign currencies available through TD Canada Trust.

Travel Globally - Act Locally

While planning your next trip you may also be concerned about the environmental impact.

Donate to TD Friends of the Environment Foundation (TD FEF) and 100% of every dollar you donate will directly fund local environmental projects in your community.

1. Online: Order the cash you’ll need there – right here!

Now it’s even easier to get the foreign currency you need. You can choose from over 50 foreign currencies, all at competitive rates.

Here’s how easy our online ordering form is:

Choose the foreign currency you want.

Choose the amount you need (in Canadian Dollars or in the foreign currency). We do the conversion, and your quoted exchange rate is valid for 20 minutes, so you’ll know how much you’re ordering in real time. Then . choose which of your TD Canada Trust accounts you want the amount debited from, which branch you want your cash delivered to, and confirm your email address and telephone number.

Confirm all your choices and information, and make any changes, if necessary.

Final confirmation of your order details and exchange rate will be displayed.

And that’s it! Getting the foreign currency you need has never been so easy.

2. In-Branch:

Visit any TD Canada Trust branch to order your foreign exchange in advance for your next trip. You can pay for your currency with cash or we can debit the amount from your TD Canada Trust account.

U. S. dollars are generally available at every TD Canada Trust branch and many branches keep a supply of commonly requested currencies. If the currency you need is unavailable at the branch you visit, don’t worry, you can order it and pick it up within three to five business days.

3. By Phone:

TD Canada Trust EasyLine allows you to order your foreign currency in advance or move money between your Canadian and U. S. Dollar accounts from the convenience of the nearest telephone. As always, you can order over 50 foreign currencies at competitive rates and pick up the cash at your local TD Canada Trust branch.

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Visa BillPay-Debit card/Credit Card

Tired of keeping a track of multiple bills and multiple due dates? Here is a solution with HDFC Bank’s Visa BillPay. This service from Visa and HDFC Bank lets you pay your bills online, with your existing HDFC Bank Visa Debit / Credit Card, making it simple, fast and secure.

Why use Visa BillPay?

Pay all your bills online with your HDFC Bank Visa Credit or Debit card

Make your payments conveniently and securely

Organize bills like electricity, gas and telephone, all in one place

*This services is completely free

What are the benefits of Visa BillPay?

No more tedious cheques or forms

Choose the Pay Right Away service, or register for timed bill alerts

No missed payments or late fees

Empezar

To ensure that your payments arrive before a due date and to avoid late payment charges, you need to make your payment at least 3 working days before the bill due date.

How can I prove I made a payment?

You can track your payments if you need to provide proof of a payment. Your bank or credit card statement will show the charge to your account. The statement will display "Visa Bill Pay” and an identifiable part of the biller name (Eg: Airtel Cell, when you make payments to Bharti Cellular Limited).

In addition you would be supplied an instant online receipt at the time of making the payment. You can store or print this receipt for your reference. You can use the unique transaction ID printed on the receipt to track your payment and resolve any queries or disputes.

Do I receive reminders and alerts from Visa Bill Pay?

Yes, Visa Bill Pay provides you with a number of alerts to help you track your payments due and also the outcome of the payments made by you. As a registered user of Visa Bill Pay you can receive alerts on a new bill being presented to you, outcome of a payment made by you, etc. You would receive these alerts as emails at thee-mail addresses specified by you.

You can set up alerts under the Modify Profile link available to you on the left panel of the screen, once you have logged into the Visa Bill Pay service using your Login ID and password.

As a 'Pay Right Away' customer you would receive an email confirming the outcome of your transaction.

Which billers can I pay using this service?

You can pay many national and local billers and service providers through the Visa Bill Pay service. Typically you could pay the following category of entities:

Telephone - landline companies

Telephone – cellular companies

Electricity companies

Gas Companies

Insurance companies

Municipal Taxes

Internet service providers

Depositories

Charity organizations

Can I pay someone else's bills using Visa BillPay?

Yes, you can pay someone else's bill through Visa Bill Pay. However, to do so you will have to add the name of the biller/payee in your list of billers/payees and provide the relevant account information.

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WASHINGTON (Reuters) - Congress will soon decide whether to shield cash-strapped Puerto Rico from investor lawsuits while the island maps a plan to resolve its financial crisis - an intervention that could divide some lawmakers and creditors. Republican leaders who control Congress are due within days to outline a Puerto Rico rescue plan that would restructure its $70 billion debt outside bankru. & Raquo; read full story

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The Dow Jones

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Track the stock market today with the latest news and information on all things investing! Watch your stocks perform throughout the day and watch the breaking stock market news .

Capital One means no foreign transaction fees

By Jeremy Simon

When you swipe your Capital One credit card on a foreign vacation, it won’t cost you a dime to have the amount of your purchase converted into U. S. dollars. That is because unlike most other credit card issuers, Capital One does not charge foreign transaction fees on purchases made overseas.

For lots of vacationers, one of the best things about trips abroad (aside from the chance to see new and exciting places) is the fact that you can sometimes stretch your money even further overseas. Favorable exchange rates mean a luxurious getaway does not have to break the bank.

However, for the many travelers who decide to pay for that vacation with a credit card, there are some added expenses they may not expect. Those expenses come in the form of foreign transaction fees levied on credit card purchases made abroad. But for Capital One credit card users who travel overseas, foreign transaction fees are not a worry.

Foreign transaction fees are those fees that many credit card companies add on to the cost of purchases made with your plastic in a foreign country. Credit card issuers add foreign currency transaction fees for the service of translating the cost of a purchase from the foreign currency into the U. S. dollar amount that eventually appears on your credit card bill.

Since Capital One cardholders will not see such fees appear on their credit card bills, they are a good choice for international charges. And, with a Capital One No Hassle Miles Rewards card or a Capital One No Hassle Miles Visa Signature card, your foreign purchases get you closer to your next trip -- since every dollar you spend earns you airline miles.

Published: February 7, 2007

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The Filthy Secret You Don’t Know About Interest Rates

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In today’s financial markets, the rising of interest rates before the time stated by the Federal Reserve is considered to be one of the “dirty secrets. ” That’s what you get, and this has been the trend for a while.

During the recent weeks, there have been an abrupt increase in what the 10-year Treasury bond yields, and this has a significant effect on the cost of borrowing, including mortgage rates.

What can we say is happening to bonds? We could attribute the current trend to the anticipated rise in rates by the markets; to the fact that sellers and buyers of bonds are being affected by an imbalance in supply; and to the day of Europe’s worst economy.

With the current trend of bonds, can we say that the Fed meeting this week on rates is against the trend? Maybe not! Nevertheless, one thing is sure: As the increase in June rate seems to be off the table, the next meeting would not have much relevance. Some vital housing and inflation reports also came up this week on radar. Let’s see the list:

On Monday

A report by the Federal Reserve on industrial production in

A report by the National Association of Home Builders on builder sentiment in

On Tuesday

May housing starts and building permits was released by the Commerce Department.

On Wednesday

Following a two-day meeting, a monetary policy statement was released by the Federal Reserve.

On Thursday

Report on the May consumer price index (CPI) and on weekly jobless claims by the Labor Department.

The index of leading economic indicators is released by the Conference Board’s.

Now, the Fed

For the fact that policymakers would react to the question on rate increase, this makes the Fed meeting a notable one. The most recent economists’ survey suggests that there would be a rise in the rate on federal funds during the next quarter, specifically suggested to be in September.

According to the chief economist for Point Loma Nazarene University in San Diego, Lynn Reaser, the statement to be released in June should be categorically more positive, owing to the recent improvement in wage gains, rise in job gains, and higher retail sales.

We’ll be informed after the statement by Janet Yellen, the Fed Chair. We will also get to know the economic projections of FOMC members, which they will release. Those are the usual proceedings of every meeting, and now Fed officials have the opportunity to “tee up” increase in rates in the next few months.

Alan MacEachin, a corporate economist working with Navy Federal Credit Union, says that his expectation is that there should be a suggestion in the statement about the closeness of the first rate increase.

Assessing inflation at the retail level

The consumer price index that seems to be sterile is intended to conceive the prices that apply in our “real world. ” Inflation has been mostly out of sight over the last few years, but there are signs indicating its movement.

For example, gasoline prices is also affected by the price spectrum. AAA’s Fuel Gauge report reveals the average gasoline price throughout the country to have risen to $2.76; showing about $0.10 increase from one month ago, but a $0.88 reduction from a year ago.

Hence, the current trend is higher pump prices and Americans seem to be prepared for more increase in the price. The National Association of Convenience Stores carried out a survey, which shows that 6 in every 10 consumers (59%) have had their minds fixed on the fact that there will be increment in gas prices within the next one month. The trade group is a class of retailers whose gasoline sale in the past year was $483 billion, and this is indicative of what will happen next at the pump.

More inflation to come?

Recently, it has been a tough experience trying to predict inflation due to the unexpected financial crash, weakening of the global economic power, and unusual reactions by central banks. Even at that, many still anticipate the least inflation, bond yields and interest rates are coming.

According to Reaser, “since a huge volume of excess reserves is now in use, there could be more inflation than is expected over the medium or long-term. ” Nevertheless, for the next couple of years, we should experience restriction in the price moves, according to the projections of the Federal Reserve.

MacEachin says that the concern about inflation should be brought low by demographic and other materialistic trends.

Finally, housing

Data to be released on housing next week will major on builders and home building, be it multi-unit (condos and apartments) or single-family.

The trend of improvement in the economy of U. S. seems to be triggering more demand as well as more building required to meet those demands. The building industry’s focus is not exactly on an uncertain increase in interest rates, since access to credit has been a major tactics (making mortgage approval difficult) and a bigger issue for U. S. residents.

A chief economist working with the National Association of Home Builders, David Crowe, stated, “I perceive a modest rise in rates, but at the same time anticipate models of adjustment of lending standards to arrive at more realistic levels in order to compensate for the increases in rate. ” He also believes that with further hiring gains , the housing market can derive an added lift.

[Featured image: "The Secret” by CEBImagery, used under CC BY-NC / Image slightly cropped]

Be Careful with Postdated Checks

If you've ever been the target of a debt collection agency . you've probably been offered the option of using postdated checks to pay what you owe. Most people do not fully understand their rights or liabilities when using this form of debt settlement . nor the laws governing their use and acceptance. While these regulations do not necessarily impose penalties, you should nevertheless be aware that there are instances in which postdated checks presented by creditors but returned by the bank for 'non-sufficient funds' may be deemed fraudulent, and could thereby result in civil and criminal penalties. With that in mind, let's take a look at the current regulations governing post-dated checks given to creditors, collection agencies and banks .

According to the Uniform Commercial Code (UCC) Subsection 3-104 . a check is defined as a "draft payable on demand and drawn on a bank." A postdated check, since it's not necessarily payable on demand, does not meet this requirement. Consequently, most states generally hold that a postdated check does not constitute a present fraud nor does it fall within the scope of the 'bad-check laws.'

Concerning your bank paying a postdated check before its time, UCC Subsection 4-401 states that "a bank may honor an otherwise properly payable postdated check before its date unless the customer has given the bank reasonable notice of the postdating." The notice of postdating is simply a means by which you can place the bank on formal notice that you've written a postdated check, and it orders the bank not to pay the check before the date written thereon. If, after reasonable notification, the bank makes payment before the pay date on the check, it could be held liable for losses occurring due to its actions.

When does a postdated check fall under the scope of bad-check laws? Well, if you're paying a creditor on an ongoing basis and you issue a postdated check, you could possibly be considered to be passing a fraudulent check. Furthermore, if you've sent a check to a creditor and it's returned for non-sufficient funds, it's vital that you make good on the check as soon as possible to avoid additional (and more serious) penalties.

You do, however, have some protection under the Fair Debt Collection Practices Act . According to this federal regulation, a debt collector is not allowed to use "unfair or unconscionable means to collect or attempt to collect any debt by:

Accepting a check or other payment instrument postdated by more than five days unless the debtor is notified in writing of the debt collector's intent to deposit such check or instrument not more than ten nor less than three business days prior to the deposit.

Asking for a postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on the check or instrument."

It's generally recommended not to give postdated checks to creditors for any reason. Though they may threaten, you cannot be made to do so. Know the laws governing your rights ; it's the surest way to protect yourself.

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Qeydiyyat formasını doldurduqdan sonra qeyd etdiyiniz e-poçt ünvanınızı yoxlayıb məlumatlarınızı təsdiq edin.

Yarışma portalında qeydiyyatdan keçməyiniz hər hansı bir yarışmada iştirak edəcəyiniz anlamına gəlmir. Bu qeydiyyat sosial şəbəkə olan Best InvestOR portalında şəxsi profil yaratdığınız anlamına gəlir.

Şəxsi profilinizə daxil olduqdan sonra şəxsi məlumatlarınızı yarada, InvestCafe bölməsinə daxil ola, məhşur Best InvestOR-larla ünsiyyət qura və istədiyiniz yarışmaya qatıla bilərsiniz.

Yarışma portalında qeydiyyatdan keçdikdən sonra, profilinizə daxil olaraq "Yarışmalar" səhifəsinə keçid edin.

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Traditional IRAs: Distributions

Distributions from Traditional IRAs must occur eventually, but until the owner reaches the mandatory distribution age, distributions are optional. The tax and penalty applied to distributions from a Traditional IRA depend on the IRA owner's age at the time of the distribution and the tax-deductibility treatment of the contributions. (For background reading, see 9 Penalty Free Withdrawals.)

Distributions That Occur Before Age 59.5 Distributions that occur before the IRA owner reaches the age of 59.5 are subject to a 10% early-distribution penalty, in addition to any income tax, but the IRS will waive this early-distribution penalty when distributions are used for reasons which include the following:

For Unreimbursed Medical Expenses If the distribution is used to pay unreimbursed medical expenses, the amount that exceeds 7.5% ( 10% after 2012 ) of the individual's adjusted gross income (AGI) for the year of the distribution will not be subject to the early-distribution penalty. In other words, the amount paid for the unreimbursed medical expenses minus 7.5% of the individual's adjusted gross income for the year of the distribution can be distributed penalty free.

& # 13; Example: IRA Distributions For Medical Expenses

& # 13; Jack\'s AGI is $25,000, and he paid $4,000 for unreimbursed medical expenses. & # 13; The amount that exceeds 7.5% of his income = $4,000 - ($25,000 x 7.5%). & # 13; The amount that exceeds 7.5% of his income = $4,000 - $1875. & # 13; The amount that exceeds 7.5% of his income = $2,125. & # 13; The maximum amount Jack may claim for the early-distribution exception is $2,125.

& # 13; To Pay Medical Insurance Individuals can make a penalty-free distribution to pay medical insurance for themselves, their spouses and their dependents, provided the distribution occurs under the following four conditions:

& # 13; The individual has lost his or her job.

& # 13; The individual has received unemployment compensation paid under any federal or state law for 12 consecutive weeks.

& # 13; The individual receives the distributions during either the year he or she receives the unemployment compensation or the following year.

& # 13; The individual receives the distributions no later than 60 days after he or she has been re-employed.

& # 13; For a Disability If an individual becomes disabled before age 59.5 and makes a distribution from his or her Traditional IRA while disabled, the distributions are not subjected to the early-distribution penalty. Individuals who are considered disabled may need to furnish proof that a physical or mental condition inhibits them from engaging in substantial gainful activities. A physician must determine that this condition can be expected to result in death or to continue for an indefinite duration.

As Distributions to the IRA Beneficiary If the IRA owner dies before reaching age 59.5, the amounts distributed from the IRA by the beneficiary are not subject to penalty.

As Part of an SEPP Program For penalty-free distributions that are part of a series of substantially equal payments over the life of the IRA holder and or his or her beneficiary, the payments must last five years or until the IRA owner reaches age 59.5 - whichever is longer - and the calculation of the payment amounts must be done under certain IRS-approved methods.

For Qualified Higher Education Expenses Amounts are penalty free if they are used to cover qualified higher education expenses for the IRA owner and/or his or her dependents. These qualified education expenses are tuition, fees, books, supplies and equipment required for the enrollment to or attendance at an eligible educational institution. An eligible educational institution is any college, university, vocational school or other post-secondary educational institution eligible to participate in the student aid programs administered by the Department of Education. These eligible educational institutions include virtually all accredited post-secondary institutions, whether public, nonprofit or proprietary (privately owned and profit making). The educational institution should be able to indicate whether it is an eligible educational institution.

To Purchase a First Home The IRA owner can make penalty-free distributions to purchase, build or rebuild a first home:

& # 13; For the IRA owner

& # 13; For the IRA owner's spouse

& # 13; For a child of the IRA owner or of the IRA owner's spouse

& # 13; For a grandchild of the IRA owner or of the IRA owner's spouse

& # 13; For a parent or other ancestor of the IRA owner or of the IRA owner's spouse

The first-time homebuyer distribution must be used to pay qualified acquisition costs before the end of the 120th day after the IRA owner receives the distributed assets.

The total distribution the IRA owner uses for first-time home purchases cannot exceed $10,000 during the IRA owner's lifetime. For married individuals, the $10,000 applies separately to each spouse, which means that the total for both is $20,000.

For payment of an IRS levy The IRS may levy against an IRA, resulting in a distribution. The distributed amount is subject to income tax, but the early-distribution penalty is waived.

Additional Information The 10% early-distribution penalty does not apply to amounts that are not subject to income tax. These amounts include the following:

& # 13; Distributions of nondeductible IRA contributions

& # 13; Amounts that are in excess of the contribution limit and are then removed from the IRA before the IRA owner's tax-filing deadline (plus tax-filing extensions)

& # 13; Distributions that are deposited to a retirement plan as a rollover contributions within 60 days of receipt, provided the amount is rollover eligible

& # 13; Distributions That Occur on or After Age 59.5 Distributions that occur on or after the IRA owner reaches age 59.5 may be subject to income tax but will not be subjected to the early-distribution penalty.

Required Minimum Distributions Traditional IRA distributions cannot be deferred indefinitely. An IRA owner must begin required minimum distributions (RMDs) the year he or she reaches age 70.5, at which time the IRA owner may distribute the full balance of the IRA or distribute a minimum amount each year.

The first RMD must be distributed by Apr 1 of the year after the year in which the IRA owner reaches age 70.5. For example, an IRA owner who reaches age 70.5 in June of 2017 must take his or her first RMD by April 1, 2017. IRA holders who elect to have a minimum amount distributed each year must, for subsequent years, distribute RMDs by December 31 of each year. This means that if the IRA holder defers the first RMD until April 1 of the year after he or she turns 70.5, the IRA holder will be required to take a second RMD amount in that same year, which counts as the second year for RMDs.

& # 13; Jill turns 70.5 in June of 2012, and she decides to defer her first RMD until April 1, 2017. Jill is required to take a second RMD (for 2017) by December 31, 2017. For subsequent years, Jill must distribute her RMD amounts by December 31 of each year.

Generally, the IRA custodian/trustee will calculate the RMD amount and send the notification to the IRA holder. Alternatively, the IRA custodian/trustee may send an RMD reminder to the IRA owner with an offer to calculate the RMD amount upon request.

RMD amounts not distributed from the IRA by the due date are subject to a 50% excess-accumulation penalty .

& # 13; Example: Excess Accumulation Penalty

& # 13; John is 75 years old, and his RMD for 2017 is $5,000. By December 31, 2017, John has distributed only $4,000 from his IRA. Because John\'s RMD was short by $1,000, he must pay the IRS a 50% excess-accumulation penalty ($1,000 x 50% = $500).

The excess-accumulation penalty must be paid when the individual files his or her federal tax return. If the individual feels that the failure was due to reasonable circumstance, he or she may write to the IRS and request that the penalty be waived. If a waiver is requested, the penalty should be paid only if the IRS denies the request.

Find out whether you can withdraw funds from your IRA to start a savings account, and why this is not the wisest use of your. Leer respuesta >>

Learn about how to use your IRA retirement savings to pay for your college loans, including how to avoid the 10% early withdrawal. Leer respuesta >>

Find out how to use your IRA retirement savings to pay for your college tuition, including what institutions and expenses. Leer respuesta >>

Generally, any money you borrow from a 401(k) account is tax exempt. This feature is one of the reasons that - for critical. Leer respuesta >>

A real estate fund invests in securities offered by public real estate properties directly or indirectly through Real Estate. Leer respuesta >>

Understand the maximum Social Security benefit amount for someone retiring in 2017 at full retirement age and the basics. Leer respuesta >>

Watermark Church

10 Biblical Principles For Making Wise Decisions

Every day each of us are faced with numerous choices. What should we do when the Bible doesn’t seem to speak directly to the situations we face and the decisions we make?

The following 10 principals will help you to make decisions that glorify God and honor others.

1. What Biblical Principles Should Inform My Decision?

“For the Lord gives wisdom; from His mouth comes knowledge and understanding.”

“Trust in the Lord with all of your heart and do not lean on your own understanding. In all your ways acknowledge Him, and He will make your paths straight.”

“So, whether you eat or drink, or whatever you do, do all to the glory of God.”

“Do not be unequally yoked with unbelievers. For what partnership has righteousness with lawlessness? Or what fellowship has light with darkness?”

“The rich rules over the poor, and the borrower becomes the lender’s slave.”

“Finally, brethren, whatever is true, whatever is honorable, whatever is right, whatever is pure, whatever is lovely, whatever is of good repute, if there is any excellence and if anything worthy of praise, dwell on these things.”

1. What does the Bible have to say about that?

2. Who can help me better understand what God’s Word says about this decision?

3. Make sure you are not the only one who holds to your interpretation.

2. Do I Have All The Facts?

“He who gives an answer before he hears, it is folly and shame to him.”

“The first to plead his case seems right, until another comes and examines him.”

1. Ask a lot of questions.

2. Don’t fall prey to “wishful thinking”or let your emotions get the best of you.

3. Remember that there are two sides to every story.

3. Is The Pressure Of Time Forcing Me To Make A Premature Decision?

“Also it is not good for a person to be without knowledge, and he who makes haste with his feet errs.”

“The plans of the diligent lead surely to advantage, but everyone who is hasty comes surely to poverty.”

1. Beware of the “once in a life time” deal and the lure of instant gratification.

2. Don’t let the fear of missing out drive your decision.

3. When in doubt, leave it out.

4. What Possible Motives Are Driving My Decision?

“All the ways of a man are clean in his own sight, but the Lord weighs the motives.”

“Who can say, ‘I have cleansed my heart, I am pure from my sin?’”

1. Acknowledge that you have “blind spots.”

2. Honestly assess your motives, both good and bad.

3. Give others permission to speak in to your life.

5. How Should Past Experiences Inform My Decision?

“Like a dog that returns to its vomit is a fool who repeats his folly.”

“A rebuke goes deeper into one who has understanding than a hundred blows into a fool.”

1. Look for patterns of behavior – “triggers.”

2. Understand how your family back ground might affect your thinking.

3. Learn from your mistakes!

6. What Is The Collective Counsel Of My Community?

“Where there is no guidance the people fall, but in an abundance of counselors there is victory.”

“He who separates himself seeks his own desire. He quarrels against all sound wisdom.”

“A fool does not delight in understanding, but only in revealing his own mind.”

1. Avoid having many separate conversations.

2. Recognize the difference between “selling” and “sharing.”

3. Know when to “open the circle.”

7. Have I Honestly Considered The Warning Signs?

“He is on the path of life who heeds instruction, but he who forsakes reproof goes astray.”

“There is a way which seems right to a man, but its end is the way of death.”

“Faithful are the wounds of a friend, but deceitful are the kisses of an enemy.”

1. Don’t think you are the “exception” to the rule.

2. Remember that God’s way is the best way.

8. Have I Considered The Possible Outcomes For My Course Of Action?

“The wise woman builds her house, but the foolish tears it down with her own hands.”

“The naïve believes everything, but the prudent man considers his steps.”

“A prudent man sees evil and hides himself, the naïve proceed and pay the penalty.”

1. Do the “long math.”

2. Assess the potential risks.

3. Have a contingency plan.

9.Could This Decision Jeopardize My Integrity Or Hinder My Witness For The Lord?

“Like a trampled spring and a polluted well is a righteous man who gives way before the wicked.”

“He who walks in integrity walks securely, but he who perverts his ways will be found out.”

“A righteous man who walks in his integrity—how blessed are his sons after him.”

“A good name is to be more desired than great riches, favor is better than silver and gold.”

1. Work toward the “center” rather than flirt with the “edge.”

2. Ask yourself, would this pass the “newspaper” test?

3. Keep short accounts.

10. Is There A Better Option That Would Allow Me To Make A Greater Impact For God’s Kingdom?

“The fruit of the righteous is a tree of life, and he who is wise wins souls.”

1. Ask yourself, what story could God be writing?

2. Don’t assume that just because something is hard that it is not God’s will.

3. Understand how God has uniquely gifted and resourced you.

You can download all of these decision making principals here. and to dive deeper into these principals be sure check out week 1 and week 2 of Blake Holmes message, “Should I?”

Watermark Church

Trước một buổi tiệc, đi chơi và không kịp gội đầu, cô nà ng có thể áp dụng những cách tạo kiểu tóc sau.

Ngỡ ngà ng những kỷ lục kỳ lạ nhất lịch sử

Nhiều kỷ lục kỳ lạ nhất lịch sử đã được xác lập khiến không ít người bất ngờ và cảm thấy khó tin.

Nhб»Їng nб»Ї chiбєїn binh chб»‘ng IS: Chбєїt vбє«n phбєЈi xinh Д‘бє№p

rong cuộc chiến chống IS, son môi chẳng phải vũ khí, nhưng đối với các nữ chiến binh Iraq người Kurd, việc..

DЖ° luбє­n Bosnia chia rбєЅ vб»Ѓ bбєЈn ГЎn dГ nh cho Гґng Karadzic

Dư luận Bonsia đã phản ứng rất khác nhau về bản án tù 40 năm mà Tòa án tội phạm chiến tranh Nam Tư (ICTY) ở..

Triều Tiên tung clip tấn công Washington bằng tên lửa từ tà u ngầm

Sốc trước đoạn clip bác sĩ đấm liên tiếp và o bệnh nhân đang nằm trên bà n mổ

NgЖ°б»ќi miб»Ѓn TГўy phбєЈi trбєЈ 200.000 Д‘б»“ng cho mб»™t khб»‘i nЖ°б»›c sГґng

Cấm nói tục, chửi bậy ở chung cư: Đừng quy định cho vui

Best InvestOR Yarışma Katılım Süreci

Yarışma anasayfası üzerinden, "Kayıt" yada “Katıl” butonuna tıklandığında, karşınıza gelen 2 adımlı formu doldurarak Yarışma hesabınızı oluşturabilirsiniz.

Formu doldurmanızın ardından belirtmiş olduğunuz e-posta adresinizi kontrol edip bilgilerinizi teyid edebilirsiniz.

Yarışma portalına kayıt yapılması, herhangi bir yarışmaya kayıt gerçekleştirildiği anlamına gelmez. Sadece, sosyal bir ağ olan Best InvestOR portalına kayıt gerçekleştirmiş olursunuz.

Profilinize giriş yaptıktan sonra profil ayarlarından bilgilerinizi güncelleyebilir, InvestCafe’de içerikleri takip edebilir, popüler Best InvestOR’larla iletişim kurabilirsiniz. Dilediğiniz yarışmaya katılabilirsiniz.

Yarışma portalına kayıt oluşturduktan sonra, profilinize girerek, “Yarışmalar” sayfasına tıklayınız.

“Aktif Yarışmalar” kısmında bulunan yarışmalardan, katılmak istediğiniz yarışmanın sağ tarafında bulunan “Katıl” düğmesine tıklamanız yeterlidir.

Katıldığınız yarışmanın başlangıç tarihi yaklaştığında, belirttiğiniz mail adresinize, yarışmaya katılabileceğiniz MetaTrader 4 Platfom linki, kullanıcı adı ve şifreniz iletilecektir.

Linke tıklayarak InvestAZ MT4 platformunu bilgisayarınıza yükleyiniz.

Yarışma “InvestAZ-REAL-Turkey” sunucusu üzerinden yapılacaktır.

Yarışmanın başlangıç ve bitiş tarihlerine ilişkin bilgilere "Yarışmalar" sayfasından ulaşabilirsiniz. Mail adresinize gelen kullanıcı adı ve şifre ile yarışma tarihi süresince işlem platformuna giriş yaparak yarışmaya katılabilirsiniz.

PUJs answer fare rollback proposal with strike threats

Drivers and operators of public utility jeepneys have threatened to stage a Metro Manila-wide transport strike if the Land Transportation Franchising and Regulatory Board (LTFRB) pushes through with a plan to have a 50-centavo rollback in the minimum fare starting Valentine’s Day.

In a statement issued the other day, the Philippine Confederation of Drivers and Operators-Alliance of Concerned Transport Organizations (PCDO-ACTO) president Efren de Luna said as its operators and drivers cannot cope with the rising prices.

De Luna said that with the implementation of the Reformed Value Added Tax (RVAT), prices of spare parts would surely double.

Some jeepney drivers can barely earn enough to take home to their families because of the high cost of fuel products.

De Luna said that even though LTFRB chief Elena Bautista has announced no fare increase would be granted due to the RVAT, they will still file a petition to for a P2 increase in minimum fare.

For its part, the Pinagkaisang Samahan ng Tsuper at Operators Nationwide (PISTON) expressed concern over the government’s plan to roll back the minimum fare, which stands at P7.50.

PISTON spokesman George San Mateo said the plan of LTFRB to cut the fare by 50 centavos must not push "since it does not have any basis."

San Mateo said that while they can accept the decision of the LTFRB to defer any fare increase, a 50-centavo cut in the minimum fare is "simply absurd."

" Payag kami kahit walang fare hike. Pero kung magbaba ng 50 sentimos ang pasahe ay hindi na makatarungan iyon ," he said.

Bus operators also criticized the government for having the additional cost in driver’s license renewals and vehicle registration due to RVAT.

Intercity Bus Operators Association (INTER-BOA) president Elena Ong said the adjustment in registration and licensing fees was unjustified as this should have first undergone a public hearing.

Because of the sudden increase, the group, together with 14 other public utility bus groups, will hold a meeting to determine if they are going to demand a fare increase due to RVAT.

Ong said they are now feeling the brunt of the price increase in fuel, spare parts and maintenance costs of their units.

The license fee reportedly increased by 96 centavos, while the car registration fee increased by P2.40. – Sandy Araneta

Everybody in the house Lets do the echo song It goes like this

One, two, three, four

Day oh ay oh Come on, let's go Ah ah ah ah Ooba dooba dooba doo

We were walking in the mountains one day Singing, "Day oh, ay oh" A bunch of guys was coming my way

We went off to Our Chalet, Singing, "Day oh, ay oh" If you can dance, we'll let you stay "Hello-ee hello-e-oh"

Day oh ay oh Come on, let's go Ah ah ah ah Ooba dooba dooba doo

Ayo-lo-ee, Ayo-lo-ee, Ayo-lo-eeeweee

Come, we can dance the night away Singing, "Day oh, ay oh" Come back tomorrow night and do it again "Hello-ee hello-e-oh"

Day oh ay oh Come on, let's go Ah ah ah ah Ooba dooba dooba doo

Day oh ay oh Come on, let's go Choo choo choo choo Ooba dooba dooba doo

Ayo-lo-ee, Ayo-lo-ee, Ayo-lo-eeeweee Ayo-lo-ee, Ayo-lo-ee, Ayo-lo-eeeweee

Day oh ay oh Come on, let's go Ah ah ah ah Ooba dooba dooba doo

Day oh ay oh Come on, let's go Ah ah ah ah Ooba dooba dooba doo

Day oh ay oh Come on, let's go Choo choo choo choo Ooba dooba dooba doo

Everybody in the house Lets do the echo song It goes like this One, two, three, four Day oh ay oh Come on, let's go Ah ah ah ah Ooba dooba dooba doo We were walking in the mountains one day Singing, "Day oh, ay oh" A bunch of guys was coming my way "Hello-ee hello-e-oh" We went off to Our Chalet, Singing, "Day oh, ay oh" If you can dance, we'll let you stay "Hello-ee hello-e-oh" Day oh ay oh Come on, let's go Ah ah ah ah Ooba dooba dooba doo Hey! Ayo-lo-ee, Ayo-lo-ee, Ayo-lo-eeeweee Hey! Come, we can dance the night away Singing, "Day oh, ay oh" Come back tomorrow night and do it again "Hello-ee hello-e-oh" Sing along! Day oh ay oh Come on, let's go Ah ah ah ah Ooba dooba dooba doo Day oh ay oh Come on, let's go Choo choo choo choo Ooba dooba dooba doo Hey! ¡Oye! Ayo-lo-ee, Ayo-lo-ee, Ayo-lo-eeeweee Ayo-lo-ee, Ayo-lo-ee, Ayo-lo-eeeweee Day oh ay oh Come on, let's go Ah ah ah ah Ooba dooba dooba doo Everybody sing! Day oh ay oh Come on, let's go Ah ah ah ah Ooba dooba dooba doo Day oh ay oh Come on, let's go Choo choo choo choo Ooba dooba dooba doo

10 best tax-saving investments

(We have ranked 10 of the most…)

Multiple options. Contradictory advice. And a deadline that's approaching fast. Many taxpayers find themselves in this situation at the beginning of the year when they have to make tax-saving investments.

Are you also confused? Before you make a choice, go through our cover story to know which is the best option for you. We have ranked 10 of the most common investments under Section 80C on five basic parameters: returns, safety, flexibility, liquidity and taxability. Every investment has its pros and cons.

The PPF may not have a very high return, but its tax-free status, flexibility of investment and liquidity by way of loans and withdrawals, gives it the crown in our beauty pageant. Equity-linked saving schemes come in second because of their high returns, flexibility, liquidity and tax-free status. However, traditional insurance policies, an all-time favourite of Indian taxpayers, manage the ninth place because of the low returns they offer and their rigidity.

Some readers might be surprised that the much reviled Ulips are in the third place. The Ulip remains a mystery and its returns are seldom tracked. We checked Morningstar's data on Ulips and found that the returns have not been very good in the past 1-5 years. Even so, it can be a useful instrument for the smart investor who shifts his money between equity and debt without incurring any tax.

We have tried to separate the chaff from the grain by assigning a star rating to the various tax-saving options. Whether you are a novice or a seasoned investor, you will find it useful. It will help you cut through the clutter and choose the investment option that best suits your financial situation.

What the ratings mean:

PUBLIC PROVIDENT FUND

This all-time favourite became even more attractive after the interest rate was linked to bond yields in the secondary market.

The PPF is our top choice as a tax saver in 2017. It scores well on almost all parameters. This small saving scheme has always been a favourite tax-saving tool, but the linking of its interest rate to the bond yield in the secondary market has made it even better. This ensures that the PPF returns are in line with the prevailing market rates.

This year, the PPF will earn 8.7 per cent, 25 basis points above the average benchmark yield in the previous fiscal year. The benchmark yield had shot up in July and has mostly remained above 8.5 per cent in the past six months. Although the yield is unlikely to sustain at the current levels, analysts don't expect it to fall below 8.25 per cent within the next 2-3 months. So it is reasonable to expect that the PPF rate would be hiked marginally in 2017-15.

The PPF offers investors a lot of flexibility. You can open an account in a post office branch or a bank. However, the commission payable to an agent for opening this account has been discontinued, so you will have to manage the paperwork yourself. The good news is that some private banks, such as ICICI Bank, allow online investments in the PPF accounts with them. There's flexibility even in the quantum and periodicity of investment.

The maximum investment of Rs 1 lakh in a year can be done as a lump sum or as instalments on any working day of the year. Just make sure you invest the minimum Rs 500 in your PPF account in a year, otherwise you will be slapped with a nominal, but irksome, penalty of Rs 50. Though the PPF account matures in 15 years, you can extend it in blocks of five years each. However, this facility is no longer available to HUFs.

The PPF also offers liquidity to the investor. If you need money, you can withdraw after the fifth year, but withdrawals cannot exceed 50 per cent of the balance at the end of the fourth year, or the immediate preceding year, whichever is lower. Also, only one withdrawal is allowed in a financial year.

You can also take a loan against the PPF, but it cannot exceed 25 per cent of the balance in the preceding year. The loan is charged at 2 per cent till 36 months, and 6 per cent for longer tenures. Till a loan is repaid, you can't take more. If you dip into your PPF account, be sure to put back the amount at the earliest. Withdrawing from long-term savings is not a good strategy if you do it frequently. It can dent your overall retirement planning.

The PPF is especially useful for risk-averse investors, self-employed professionals and those not covered by the Employees Provident Fund and other retiral benefits.

BRIGHT IDEA: Invest before the 5th of the month if you want your contribution to earn interest for that month as well.

RETURNS: 17.5 per cent (Past five years)

The potential for high returns, wide choice of funds and flexibility make these funds a good tax-saving option for equity investors.

How to Get Canadian Currency

A trip to Canada requires some amount of Canadian cash. Although currency is readily accessible in Canada for U. S. travelers, taking the time to order Canadian bank notes before you leave can save you money. In a pinch, you can get Canadian dollars at many financial institutions, bank machines or retailers in Canada.

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Where to Change Money Before Going to Canada

How to Purchase Foreign Currency in the United States

Through Your Bank

Most major U. S. banks sell Canadian currency. Some, such as Bank of America, offer online ordering with the option to hold the Canadian cash for pickup or have it mailed to your home address. For this service, however, you might have to be a client of the bank. Check with your local branch about its foreign currency purchase options and the associated fees. Bank of America, for example, charges a delivery fee of $7.50 on all foreign currency orders of less than $1,000 as of 2017. The fee is waived on orders of $1,000 or more. Going through your bank is likely to be the cheapest way to buy Canadian cash.

Currency Exchange Counters

Most large cities in Canada and the U. S. as well as airports and transit hubs, will have currency exchange counters. Buying foreign currency at these businesses usually costs more than buying currency through your bank, but they can be a convenient way to get Canadian cash. Like some U. S. banks, some currency exchange businesses, such as Travelex, offer online ordering options, although you can also pick up your cash in person.

ATMs in Canada

You can use Canadian bank machines to get cash as long as your bank card is on the right international network, such as Plus or Cirrus. Contact your bank to ask what system your card is associated with. When you use a bank machine, check to make sure the logo of the right system is displayed so you know your card will work. Trip Advisor also notes that some Canadian banks may waive the foreign transaction fee. For example, Scotiabank may waive the fee for Bank of America customers.

At the Checkout

As a courtesy, many retailers will accept U. S. currency and you will receive change in Canadian currency. While this might be an easy way to get Canadian dollars, you will likely lose money on the exchange rate. Both large and small stores set an exchange rate that weighs heavily in their favor. Not all small businesses accept U. S. dollars, so be aware of a store's policy before paying.

After all that you’ve been through, you really do deserve the title. What’s next?

REALITY, I guess.

Eso es todo. Welcome to the real world. It’s up to you if you will take a break and be wherever you want to be or embark immediately into working your ass off. This could mean no more allowance from your parents and you could provide for yourself and to your family. Good luck with that!

Please do me a favor, look for a job that is related to something you are interested in.

You can be the best in anything, trust me! If you’re really interested in what you’re doing you could do your best at it. Even if in the first place it is not part of the lists that you made while you were still in grade school. Because may be God is planning something better than what you have planned.

Speaking of plans. I already planned the way I want my life to be. Set standards based on what I think my family wants me to be.

So a week after passing the CPA licensure exam, I already decided to join an audit firm in Makati. I immediately prepared my resume and other credentials. The competition among my batch mates was so obvious. And it’s not healthy at all.

Applying in an audit firm was not that easy compared to what they always say that after you’ve become a CPA, lots of jobs await you. They are right! But not entirely. There are lots of choices that I could choose from - to become an auditor and be part of a famous firm, an accountant of one of the highest earning private company, or work for the government.

Too many choices, huh? I was not firm about my plan in becoming an auditor instead I tried my luck with the other choices that I have. Whoever probable employer that will call me for an interview, I gladly accommodate them and attend with the formal interviews and countless exams and that I have to finish with a given limited amount of time.

It was three months after my soul and job searching that I have finally decided between three offers that I will definitely join one of the emerging BPOs in the country. Initially, I was hesitant to accept the offer because practically speaking the salary is less than what I have expected. But I think I will definitely grow with the company.

It was January 20, 2017 when I joined them and up to now I’m still learning and growing with them.

Bon voyage! Don’t forget to stay humble.

“The greatest ASSET is FAITH. The greatest LIABILITY is FEAR. & Rdquo;

For a BSA student like me, minsan talaga napanghihinaan ako ng loob sa mga inaaral ko. Pag-asa na nga lang ang pinanghahawakan ko, bibitawan ko pa ba? ¡Por supuesto no!

“Worry is the interest paid in advance on a debt you may never owe.”

Minsan inaatake talaga ako ng sobrang pag-aalala. Iniisip ko, “What if hindi ko maabot yung quota grade?” “What if bumagsak ako?” Pero lahat ng ‘yun nasa isip ko lang. Lahat ng battles, nasa isip lang natin. Bakit ka matatakot kung alam mo namang ginawa mo yung parte mo as a student? Kung mag-fail man, ‘wag matakot na mag-try ulit. Kung kaya nila, kaya mo rin. )

Kaya CHEER UP! Wag mong sukuan ang mga pangarap mo. Kaya mo ‘yan abutin!

As requested by my co-admins. -)

To be honest idk what this blog post should contain kasi sa pagkakaalam ko iba naman na yung exam ng next batch and last na kaming makakaranas ng 7 deadly subjects in a board exam. But then maybe this would help, somehow, hopefully. -)

Before the board exam, there are actually rumors, actually a lot of them. Most of them sa mga items na lalabas daw sa board exam, kung saang review center kukuha, pero yung iba in general, like magiging madali raw yung exam kasi last na nga kami. Well, I would tell you kung alin talaga ang totoo at alin ang hindi later.

Let’s do it one by one,

1. Auditing Theory - Well, lowest subject to. 83 ako. Like wtf, favorite ko to eh. Anyway, this subject is not as hard as my result. Marami lang talagang hindi familiar like most examinees are expecting. Talagang concept talaga ang hugot dito unless taga RESA ka kasi sabi dun daw mostly galing which I can’t say kung totoo kasi taga CPAR ako. So baka nga kaya mababa ako. Haha!

Difficulty . From 1 - 5, 5 being the most difficult, 3

Read this: For this subject, you can’t really rely on familiarity. Napakadaming pwedeng itanong at kaya nilang mag construct ng totally different question pero yun pa rin naman concept, so if you want this in the bag, better be sure na naiintindihan mo sya at hindi lang basta memoryado. Lastly, at least marunong kang umintindi ng English. Haha!

2. Theory of Accounts - See Auditing Theory.

Seriously, magkamukha lang ang maipapayo kasi hindi rin talaga pamilyar yung mga tanong pero answerable sya. Valix lang naman kasi ang reviewer ng halos lahat sa TOA. So ayun, concept pa rin talaga. -)

3. Management Advisory Services - Okay, what can I say about this subject? Di mo kaylangang tapusin si Roque, Bobadilla, Agamata at Cabrera to pass this subject. Di ko minamaliit yung subject or what. Siguro masyado lang naging mahirap yung approach ko nung undergrad na parang killer sya tas pagdating mo sa actual, halos basic lang ang itatanong. As long as alam mo yung takbo ng mga problem, kaya mong sagutan. The problem with this subject? The theory part. It’s either alam mo o talagang hindi mo alam. Ganon naman eh. Haha! So try to focus din sa theory.

Read this: Please, don’t underestimate the subject just because sinabi kong madali, syempre depende rin yan sa preparation mo. Siguro nakatulong din na batak ka sa problem nung undergrad para mas okay kapag basic na lang ang tanong.

4. Practical Accounting 1 - The shocking P1. Haha! Dito na yung mejo napag-isip ako na, wait. Board Exam na talaga. Kasi the construction of the questions, hindi mo talaga aakalain. ¿Por qué? Situational sya, consisting of 3-4 questions BUT independent problems. Yes, you read it right, independent. Pinagsama sama lang sya para may gulat factor pero iba iba yung company and iba iba yung topic. So para rin syang separate problems yun nga lang nakakalito yung pagkaka present.

Read this: Ito yung isa sa mga subjects na mukhang may mga na condi. ¿Por qué? Kasi nga nakakagulat sya. Pero kaya naman basta may concept kang hawak and natapos mo kahit si Valix lang.

5. Auditing Problem - Practically you would expect long problems and complicated na practical accounting 1. But the actual board exam is not what we are expecting. Syempre may mga kontrabida na tanong, yung feeling mo perfect mo na yung exam then may isa o dalawa kang problems na nag-struggle ka. Haha. Ayun yon eh. Pero mayron talagang mga pamigay na tanong. Sarap. Haha! Kaso may mga grammar question which is double-edged sya kasi kapag okay ka sa grammar, easy point yun and lesser problem ang sasagutin mo kasi may grammar question halos every after the problem. Yun lang kapag mahina ka sa English, yari ka.

Read this: Be prepared ano man yung lumabas. Mahalaga yung may mga natapos kang reviewers kahit isa nga lang eh. Pampalakas ng loob yon. Bakit? Kasi di mo naman talaga matandaan totally yung sagot eh or yung procedure, kakapit ka na lang sa lakas ng loob na kahit ano lumabas, kaya mo kasi praktisado ka. Also, kung itutuloy, mahalaga yung okay ka sa grammar. Di naman gagawa ng essay, madadaan naman sa kutob eh pero kung kaya mong aralin para na rin sa job interview mo. ¡Ir!

6. Practical Accounting 2 - Okay. Eso es todo. Haha! Dito maraming bumagsak or na condi I think. ¿Por qué? kasi mahirap naman talaga ang P2. Dahil na rin sa forex and buscom. Sabi nung previous daw, yan yung madaming lumabas so syempre most of the students, jan nag focus. Unfortunately, hindi kagaya nung samin. Nag focus sya sa basic, like partnership and installment sales. Oo IS! Dito maraming nahirapan. Dalawang mahabang problems on Installment. Akala nila di lalabas so hindi na naaral. Ayun, mejo nahirapan. Hay. Sayang.

Read this: Yes, mahirap yung subject but don’t panic. Kaya naman as long as nakaaral ka ng basic at alam mo yung concept. Wag lang i take for granted yung mga topics na madalang lumabas baka kasi magsisi ka sa huli, masasayang lahat ng efforts mo kung sasabit ka sa P2. (89 pa ako dito kahit na hilaw ako sa forex. Haha! So don’t be afraid)

7. Business Law and Taxation - Another killer subject. But not during our time. Yes swerte kami. Eto talaga yung kabado ako kasi alam kong kulang ako lalo na sa Tax. Pero sige lang. Tapos ayun nga, basic yung Law. More on ObliCon and ParCor. Walang Sales! And konting Nego lang. As in maiiksi pa yung tanong, tricky lang din siguro sakin kasi di ako nagbalik sa ObliCon kasi akala ko di lalabas. Haha! Sa Tax, kalma lang din sya. May situational problems mejo di usual yung tanong dapat familiar ka sa BIR form pero kaya naman. Di rin masyadong beastmode yung examiner kaya simple lang yung mga requirement. Ang nakakatawa pa, may mga tax tables pati donor at estate tas di naman ginamit. Haha!

Read this: Sa Law, basta matiyaga ka magbasa at marunong umunawa ng English, kaya mong makuha yung rationale nung Law. Then kaya mo na sya masagot. Though minsan terms lang yung tanong, continuous reading lang okay na. Sa Tax, practice talaga and be aware sa real world ng tax. Di pwedeng textbook approach lagi. Learn to imagine the reality. Waht.

I hope this could help you picture out kung paano nangyari nung October 2017 CPA board. And above all sana makatulong sa mga mag-take pa lang ng board.

As promise, about sa rumors, yes totoo na marami kang maririnig na ganyan but practice professional skepticism. Mayrong mga items na sabi lalabas, which is ayun kahawig nga. Idk kung san ang source pero siguro totoo rin yung sinasabi nila yun daw yung mga pinapadalang tanong mga review centers but mind you, konti lang talaga yung lumabas. So wag kumapit dito. Mapapariwara ka. Haha. Kasi kami nakinig kami, Alam mo yung the night before the board exam, nag aaral ka kasi sabi lalabas daw tapos hindi naman. Mapupuyat ka lang. Kaya ako nun talagang antok sa board exam. 5 out of 7 subjects nakatulog ako. ( P1 at P2 lang talaga ako gising the whole exam kasi sakto lang yung oras. So please, get enough sleep. But I don’t recommend na one week or the day before wala ng aral aral. Haha. Kapag may chance ka pa, sige lang. Nakakataranta oo pero malay mo yun yung winning point mo, last minute nabasa mo. Minsan God’s will din kasi. Diba?

Last words from a CPA . Waht. Yes 1 week na akong CPA. Haha. -)

The CPA Board Exam is not as hard as we think as a student. As you can see wala akong nilagyan na 5 as the most difficult. Kaya syang ipasa as long as mag-aaral kang mabuti simula undergrad pa lang and gagalingan mo pa sa review. Tiwala sa sarili. Iba yung magagawa nyan. At syempre makukuha mo lang yon kapag nag-aral at naghanda ka. Next, tiwala sa prof at reviewers mo. Tutulungan ka nilang maabot mo ang pangarap basta makikipag cooperate ka. And lastly, tiwala sa Kanya. Kasi Sya pa rin ang magdedesisyon kung ibibigay Nya ba sayo o hindi. -)

Good luck future CPAs! Just like you, I was once a dreamer, but now I achieved it. Alam kong kaya nyo rin to. Bonus na lang ang mag top. Tandaan nyo lang kung para kanino nyo ginagawa yan at kung ano talaga yung goal nyo - to become a CPA, and you will achieve it. -)

God bless tumblraccountants!

Overachiever - eto yung mga estudyanteng hindi ganun katalino pero mataas ang nakukuhang grado. Sipag ang kanilang puhunan. Sila yung wagas kung makapag-aral. Sila yung maraming notes, kinokopya ang lahat ng sinusulat at sinasabi ng teacher. Sila yung tipo na gumagawa talaga ng sariling assignment. Hindi mahiling mag-cram. Dahil sa sipag na ito, matataas ang kanilang grado. Pero pag nagbigay ng mga quiz na narerequire na likas na katalinuhan o pag nagbigay ng mga test na hindi gaano nila napag-aralan ay bumababa sila kasi nga hindi sila ganun katalino. Sila din yung tipo na hindi agad magegets ang mga lecture kaya kinakailangan pang magbasa at pag-aral ng maigi ang mga tinuro ng teacher. Sila yung tipong babagsak pag hindi talaga mag-aral.

Underachiever - eto yung likas na matalino pero mabababa ang nakukuhang grado. Bakit? Tamad kasi mag-aral. Sila yung mga estudyanteng matatalino pero hindi nililinang ito. Hindi nag-aaral sa gabi, pag may pagsubok, hindi ganun aral na aral di gaya ng mga overachiver. Mahilig sa cram. Pero dahil nga likas na matalino, pagnagka-cram mabilis nilang ma-absorb ang pinag-aarlan ngunit hindi pa rin ito sapat upang makakuha ng mataas kasi kulang na sa oras. So dito na pumapasok yung mga linya na “sana nag-aral na lang ako” “sayang”. Bigyan mo sila ng mga tanong na general knowledge o mga tanong na kailangan ng likas na katalinuhan ay masasagutan nila ito. Sila yung alam mong may patutunguhan pag magsipag lang.

O ikaw yung Sakto lang, matalino ka na nga nag-aaral ka pa o bobo ka na nga di ka pa nag-aaral.

Meron kasi kaming activity kanina, yung CPA testimonial. Yung makikinig ka sa mga newly board passers. Tapos may isang CPA dun na sobrang kumurot sa puso ko at nagpa-iyak samin ng bongga!

So eto na nga, she graduated back in 2008 but passed the board just recently. She took the board exam 4 TIMES. Sí. FOUR TIMES. Nung unang failure daw, okay lang. Habang tumatagal, lalong sumasakit.

Nung medyo napagod siya, ayun nagtrabaho siya. Before she passed the exam, she had a regular job in Procter and Gamble. She was earning na ng malaki already and was proud of that. Sabi pa niya “Kahit ACCOUNTANT lang ako, kaya kong gawin yung mga ginagawa nila.” And besides, hindi daw madaling makapasok sa P&G kasi nga madaming qualifications.

So she was contented with her life. She was earning na ng malaki eh. May pang-grocery na siya, she could buy everything she wanted and she was able to support her family. Until one day, naiwan niya yung ID niya. So hinanapan na lang siya ng SECURITY GUARD ng PROFESSIONAL ID .

So na-realize niya na kahit madami siyang pera, may kulang talaga! May kulang sa wallet niya, may kulang sa pagkatao niya.

Grabe! Who would have ever thought that one SECURITY GUARD could change her life FOREVER? God is simply amazing! Maybe God used that Security Guard to remind her that she still had some unfinished task to do - and that is to pass the board exam.

Ayun! She came back again and did everything that she could to pass! It wasn’t easy siguro. Ilang years na siyang nag-work eh. She would not be able to remember everything anymore.

Madami pang nangyari sa kanya all throughout the review. Sobrang makabag damdamin din talaga! So ayun nung nakapasa siya at nalaman ng parents niya, sobrang naiyak daw yung parents niya. Ngayon lang daw niya nakita yung Papa niya na General na umiyak.

Yung moment daw na yun na nagyayakapan at nag-iiyakan silang magkaka-pamilya, hindi daw kayang BAYARAN ng Procter and Gamble o kahit ano pang company.

She finished her speech by praying na sana hindi kami matulad sa kanya. Kasi sobrang sakit daw talaga!

DO Not ever Give Up. God’s time is the best time!

Ayun! Sana na-touch din kayo sa kanya!!

God Bless future CPAs. <3

Forex, o melhor mercado do mundo

Há um sentido particular de mal-estar que está repercutindo nos mercados financeiros globais, esta manhã, e ao parar curto de alarme de sino tocando aversão ao risco, o tom subjacente é um pouco pessimista. O mal-estar começou na Ásia, onde as ações chinesas caíram eo Shanghai Comp fecharam em baixa de cerca de 3,5%, somando-se o preço da ação de montanha-russa-como testemunhou recentemente, em valuations foguete bem passado onde o crescimento dos lucros poderia sugerir. O desafio para os investidores estarão de navegar em torno do que parece ser uma bolha iminente no mercado acionário chinês, como uma bolha só se torna aparente quando ele aparece e, posteriormente, esvazia. A grande riqueza na China, que tem sido rotativa do mercado imobiliário e no mercado de ações vai ajudar a dissuadir a noção de uma explosão iminente de o mercado de ações inflando rapidamente, embora parece ser apenas uma questão de tempo antes que haja uma correção prolongada e os investidores decidem a ter lucros para fora da mesa em um mercado que é duas vezes mais caro que quando o Shanghai Comp atingiu o pico em outubro de 2007.

A falta de qualquer moderadamente espero que a evolução da saga grega viu que os desenvolvimentos pessimistas na Ásia filtrada através da sessão europeia. O proverbial chute da lata da dívida grega está começando a ficar sem estrada, eo anúncio de que a Grécia não estaria apresentando uma nova proposta e que a Troika teria que trabalhar fora do plano já consideradas adequadas não tem inspirado confiança durante todo o investimento comunidade. A recusa do governo grego para apresentar uma nova proposta faz com que a probabilidade de um grande negócio que está sendo acordado pelo ministro das Finanças reunião desta quinta-feira perto de zero, e fala dos funcionários da Zona Euro que prendem uma cimeira de emergência no fim de semana aumenta as chances de o fim do jogo grego é se aproximando. Dadas as implicações de uma "Grexit" ainda estão ainda a ser conhecido com certeza, o mal-estar está levando os investidores a assumir algum risco fora da mesa. Embora o euro tinha mais elevado movido contra o dólar durante a noite, ele reside agora no vermelho, com os investidores derramou exposição à unidade de moeda comum.

Na frente de libertação econômica, uma pesquisa mais fraco do que o esperado Alemanha ZEW adicionou ao tom oferta apresentada pelo euro, caindo 41,9-31,5 e faltando expectativas de uma leitura de 37,1. Parece como se a incerteza com a situação grega ea saúde geral da zona está começando a cobrar seu preço sobre o futuro perspectivas de atividade econômica, fazendo com que o índice de deslizar para seu nível mais baixo desde novembro do ano passado. A libra está exibindo alguma ação preço agitado contra o dólar grande esta manhã, inicialmente pego em um downdraft após o índice índice de preços ao produtor e preço de varejo perdeu expectativas e aumentou a preocupação do índice de preços ao consumidor podem ter dificuldades para se mover significativamente para trás no território positivo em um iminente moda. Enquanto a CPI leitura em ay / o / base y conseguiu trabalhar seu caminho para fora do território negativo experimentado no mês passado, o aumento de 0,1% para o mês de maio foi ofuscado pela RPI e PPI impressões, causando GBPUSD inicialmente deslizar mais baixo antes conseguindo recuperar suas perdas anteriores e agora negocia perto de território inalterado antes do sino de abertura na América do Norte.

Dirigimo-nos para a sessão norte-americana, futuros de acções ainda estão lutando para sair da névoa de pessimismo que tomou conta dos mercados durante a noite, embora eles ainda residem em território negativo. Os mercados de commodities têm testemunhado uma sessão durante a noite bastante tranqüila, embora WTI e de cobre são ambos ligeiramente oferecido como a sessão norte-americana começa em curso. O dólar está tentando reunir alguns ganhos antes do anúncio do FOMC de amanhã, com o dólar grande movimento maior cautela na esteira de dados da carcaça mistos. Habitação começa para o mês de maio, em os EUA perdeu expectativas e caiu mais de 11% do excelente impressão abril, embora só come-se cerca de metade dos ganhos testemunhou em abril. O lado bom de dados da carcaça desta manhã foi que Building Permits continuaram em sua trajetória ascendente constante e superou as expectativas com um aumento bastante semelhantes 11,8%. USDCAD está cortando madeira em torno dos dados da carcaça marca pós inalteradas, e esperamos que dirige um mercado bastante gama-bound em decisão da taxa de tomorrow'sFOMC onde o conselho provavelmente vai tentar andar na linha fina de cautelosamente otimista.

O que eu ofereço

As mais diversas lembrancinhas para todas as ocasiões confeccionadas em feltro, tecidos e outros materiais. São utilizados materiais de primeira linha, com ótimo acabamento e acima de tudo muito carinho e capricho. - Aniversários - Nascimentos - Batizados - Chá de Bebê - Chá de Cozinha e tudo mais que sua imaginação pedir.

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O que tem por aqui

The Best Cash Back Credit Cards for March 2017

Cash back credit cards can help consumers practice responsible spending while earning a little extra for their efforts when used properly. The days of earning 5 percent cash back for all credit card purchases may be just a memory, but the smart use of credit cards can still be profitable for diligent consumers. You may be able to find some credit cards offering a high level of cash back in certain spending categories, but these are often subject to maximums.

Most of today’s better cash back credit cards offer 1 percent to 2 percent cash back on purchases. However, if you look hard enough, you’ll find a number of credit cards with higher cash rebates. Keep in mind that in order to make credit card with rewards programs worthwhile, you must pay your bill on time and in full every single month to avoid interest charges and late fees.

This ever-changing list reflects the best cash back credit cards currently available. Weighing in with his expert feedback is Curtis Arnold, CardRatings. com founder and editor in chief, and nationally recognized consumer educator and advocate. Want to learn more about any of the cards listed below? Click through below to read Arnold’s full reviews of these top cards, see CardRatings. com Cash Back Credit Card Comparison Table or visit the CardRatings. com list of hand-picked list of best cash back credit cards .

Editor’s choice

Discover it® Card-Double Cash Back your first year – CardRatings. com review. Discover® recently announced a tempting offer for anyone considering a new cash-back card — they’ll double all the cash back you’ve earned at the end of your first year automatically on this card. This offer is only intended for new cardmembers and is only available for a limited time. That applies to the 5 percent cash back in quarterly categories as well as the 1 percent cash back on all other purchases. With the new New Freeze It® on/off switch, you can prevent new purchases, cash advances and balance transfers on misplaced cards in seconds by mobile app and online. You can also get your free FICO® Credit Score on statements, online and by mobile app, and will pay no annual fee or foreign transaction fees.

Other cards

Chase Freedom®. See the issuer for terms, but Chase is offering a $150 bonus for new cardmembers. You can earn this bonus after spending only $500 on purchases within the first three months of owning the card.

Besides this bonus, Chase Freedom® offers 5% total cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. All other purchases (purchases in other categories or purchases in the 5% category beyond $1,500) earn 1% cash back. It’s automatic! There are new 5% categories every 3 months like gas stations, restaurants, select grocery stores, and wholesale clubs. Cash back rewards never expire as long as your account is open. It’s free and simple to activate your bonus each quarter.

Chase Freedom® has a 0% intro APR for 15 months on purchases and balance transfers. Its ongoing APR is 14.24% – 23.24% variable. The balance transfer fee is 5% of the amount transferred, $5 minimum. And the cash advance APR is 25.24% variable, but a cash advance fee of either $10 or 5% of the amount of each transfer (whichever is greater) applies.

So while the most you can earn from the 5% bonus cash back rate is $75, your cash back at the 1% rate is unlimited. Plus, Chase Freedom® carries no annual fee.

Fidelity Investment Rewards Visa Signature Card. Fidelity’s card is regularly cited as a Consumerism Commentary readers’ favorite. For the first $15,000 you spend on this card in a year, you will earn 1.5 points. After you hit the $15,000 threshold, each dollar will earn 2 points. Every time you pass 5,000 points, Fidelity will deposit $50 into your account.

This card requires a linked account at Fidelity, but these accounts are free and can be good choices for savers and investors. A few years ago, I chose to rollover a former company’s 401(k) into a Fidelity IRA, and I use Fidelity as the servicing company for my charitable gift fund. Their index mutual funds are some of the lowest cost in the business, but for most of my own investing I prefer Vanguard. Vanguard, however, does not offer a similar credit card offer.

Blue Cash Preferred® Card from American Express. I recommend this card as the one whose bonus categories are most likely to overlap the spending habits of parents. Special offer – get up to $300 back. Offer ends June 15, 2017. Get 6% cash back on groceries at U. S. supermarkets up to $6,000 per year in purchases (then 1%), 3% cash back at U. S. gas stations, and 3% cash back at select U. S. department stores. (That’s where I spend all my money!) And 1% on other purchases. Terms and limitations apply. With the Blue Cash Everyday® Card, you can get cash back. No rotating reward categories. No enrollment required. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only get cash back on eligible purchases. And there is no annual fee. Terms and restrictions apply. Compare this card with others in its category and apply here .

Capital One® Quicksilver® Cash Rewards. The basic offer for Quicksilver Cash Rewards from Capital One® is a 1.5% rate of cash back on every purchase with no limit. If you are approved and open this card, Capital One® currently offers a one-time $100 cash bonus if you spend at least $500 on purchases within the first three months. Compare this card with others in its category and apply here .

Capital One® is also offering an introductory interest rate of 0% on purchases and balance transfers until September 2017. Balance transfers carry a fee of 3% of the transferred balance. You’ll need good to excellent credit to be considered for this credit card which carries no annual membership fee and no foreign transaction fees.

Discover it ® Chrome. With Discover it ® Chrome, you can earn 1% cash back on every purchase, but Discover® offers an opportunity to earn double cash back on certain categories. The double cash back is limited to $1,000 in combined purchases, though, which adds up to only $100 extra. Still, that’s $100 you wouldn’t have otherwise.

The categories for double cash back with Discover it ® Chrome are gas stations and restaurants. In order to make using the cash back points even easier, Discover ® allows you to pay for items on Amazon. com using points instead of dollars. That could come in handy during the holiday seasons.

Ink Cash® Business Credit Card. Yes, this is a business card, but sole proprietors can open an account too. Not only is this a good cash back card, but it’s the card I recently chose to open for a side business. Chase is currently offering new customers a $200 account cash back bonus after you spend $3,000 on purchases across the first three months from account opening.

Beyond the opening bonus, Chase offers cardholders 5% cash back on purchases at office supply stores, telephone (mobile and landline) payments, and cable and internet bills, up to a total of $25,000 in combined purchases each account anniversary year. The next tier is a 2% cash back rate on combined purchases up to $25,000 at gas stations and restaurants each account anniversary year. These bonus cash back tiers include points that aren’t added to your account until the anniversary of your card opening, so that’s a little inconvenient.

Otherwise, all other purchases earn an unlimited 1% cash back. Always see issuer’s terms regarding APR.

If you’re holding on to a cash back credit card that you feel deserves to make this list, let me know by leaving your thoughts in the comments below. If the offer is good, I’ll add it to this best cash back credit cards list.

Updated March 25, 2017 and originally published March 22, 2017. If you enjoyed this article, subscribe to the RSS feed or receive daily emails. Follow @ConsumerismComm on Twitter and visit our Facebook page for more updates.

Sobre el Autor

It’ll probably take some good management skills, but the best rewards would come from:

1. Using the Chase Freedom Visa first, when specific categories are in rotation. Getting 5% on those. 2. If the categories are not active, using Citi Dividend Platinum Select MasterCard. Getting 2% on those. 3. Then falling back on 1% from either card.

1. Use Chase Freedom and Discover for their 5% categories (Discover has one month grocery ones too) 2. Amex Costco card for restaurant (3%) & travel (2%) 3. Discover card for online shopping (LLBean – 5%, Sears 5%) 4. Chase rewards for the rest – 3% back on Groceries, Gas & pharmacy – 1% everywhere else

Discover also gives the best rewards use options: $20 rewards gets you a $25 LLBean card.

Investor junkie missed that Fidelity Rewards also has a card from American Express that pays 2% cash back into your fidelity account on all purchases with no caps or annual fee. I just signed up yesterday in fact!

Visit my blog for mostly non-credit-card related rants, except one about Discover Card in 2008 about their lame process of lowering your credit card rates when you ask.

Hey there is a new up and comer the, Citi Forward Visa card that I just signed up for. Looks like it pays 5% cash back on all restaurants and movie purchases (when you redeem 10,000 points at a time for gift cards), you get a about $85 of points up front for using it and signing up for paperless. There are also a few other perks. And if you have good credit, the APR is 12.99%, but 0% for a year! Click my name to visit my blog and go to the summer of 2008 to read a complaint against Discover Card.

I have this card, and I like it so far. Technically a points-based rewards card isn’t really cash back though (although you can redeem for cash). Basically you get 5 points for books, movies, music, and restaurants and 1 point for other purchases. 14,000 gets you $100 statement credit (there are lower denominations as well, for worse value), which is .7% if all your purchases were 1 point and 3.5% if all your purchases were 5 points. In reality you’re probably somewhere in between. If you get gift cards, on the other hand, a $50 gift card is 6,000 points, so .83% for 1 point purchases and 4.2% for your 5 point purchases. You get a full 5% if all your spending is on 5 point purchases and you get a $100 gift card – however, not all the gift cards are available for the $100, best value option.

The Fidelity deal is total bait and switch. If you want cash back, you only get 1% and that is after the hassle of setting up accounts with them. This is their fine print: Customers earn 2 points for each $1 in net retail purchases. Once you reach 5,000 points, they can be redeemed automatically or on demand for cash at a 1% exchange rate into an eligible Fidelity account (i. e. 5,000 points = $50 deposit). The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Additional restrictions apply. Full details appear in the Program Guidelines new card customers receive with their card.

I’m always one for pointing out bait and switch tactics when I see them, but with the Fidelity card, it’s fully disclosed you need to open an account to receive the cash back. At the very top of Fidelity’s offer page it says, “Turn 2% of purchases into a deposit in your eligible Fidelity account.” There should be no confusion.

That is not the issue I have problems with. Their deal is that you get 2% in “points” NOT cash. If you want cash, they use an “exchange rate” and you actually get 1%. THAT is the bait and switch. They advertise 2 and you get 1.

I called them to confirm this and that is their deal.

The Schwabb card was king. Hopefully an offer like that will come up again.

Let me illustrate:

Spend $10,000, earn 20,000 points (2 points for every dollar). Trade in 20,000 points for $200 cash back (the 1% exchange rate).

Your *result* is 2% cash back. $200 is 2% of $10,000. This is pretty straightforward in terms of points-based cash back programs.

Are you calling me stupid? I think you are right! OK, just couldn’t get it to make sense, and when I called them, they didn’t help me make sense of it either. ¡Gracias!

Not at all, Gil. These things can be tricky sometimes, and the CSRs who answer the phone often can’t make it clear for their customers.

Gil: Yes, you do have to open a Fidelity account to take advantage of this offer, but it certainly is not bait and switch. I have used it exclusively to get consistent 2% back every month for the last year. I spend $2500, I get 5000 points which equates to $50 (2% of my purchases) deposited into my Fidelity account. Once it’s in my Fidelity account, I am free to do whatever I want to do with it, spend it, invest it, or save it.

I recall reading somewhere about that PenFed card that to join, all you need to do is make a one-time payment of $20-30 to some military organization to become a member. Then you can join PenFed and get the card.

You’re absolutely right Dan, it’s about $25 to join the union, and they have some of the best cards out there. We profile them all the time on our blog because they’re one of our favorites

It’s a $15 one-time fee to join Voices for American Troops.

You are correct.

I joined PenFed last year by the one-time membership payment to NMFA and have been VERY PLEASED with PenFed’s offerings.

Since joining, I have been using the PenFed VISA Platinum Cashback Rewards Card for nearly 100% of my credit purchases. This month, they reduced their grocery cashback rewards to 1% from 2% (with little-to-no warning) and that was a rather big disappointment (chalk it up to inflation and the Fed’s monetary policies I suppose [is anyone else noticing the crazy prices at the supermarket these days?]). But, I still find their card to be well worthy of this list and highly recommended.

Also of note, PenFed offers incredible loan deals that you often won’t find anywhere else. Since joining, I have refinanced my home and car loans through PenFed and am saving a bundle on interest. I highly recommend PenFed!

Lastly, I would like to extend my gratitude to Flexo for maintaining this very informative blog.

Albireo, Are you able to view the ‘closing date’ on your credit card bill on the website? I just joined a few weeks ago and cannot for the life of me figure out where they show the closing date. I like to keep track of when my credit cards close and the new billing period begins. ¡Gracias!

My PenFed VISA Platinum Cashback Rewards Card has its cycles tied to the month (e. g. April 1 through April 30 would be a billing peroid). I’m not certain, but it may be that way for all of their credit accounts.

No, Penfed’s online banking site only gives you the due date, not the cycle date. You can contact thier member service department though and they can tell you that.

Yes, Penfed Visa is a great card. YOu can become member by donating $10, that is what i did, and got their visa card. it has 5% back on gasoline, 3% on grocery and 1% all.

SO, overall For gasoline and grocery, i use this card – 5 and 3% cash back respectively. For all other purchases, i use fidelity card (2%)

Can anyone suggest a better reward program to beat this 5, 3 and 2% cash back. I am dying to find one.

I think you are right on the PenFed Visa for 5% off gas/3% off groceries. I would add a US Bank Cash+ Visa for 5% off two chosen categories. (restaurants/electronics stores or restaurants/cell phone let’s say) Then Fidelity AMEX for 2% off everything else.

Oh, and the 3% off Amazon card, which doesn’t need to be carried around.

Chase Freedom: I’ll have to investigate if your description of the Chase online mall is accurate. I’m still on the older 3% on top 5 catagories plan until June 2nd, and at least on the older plan when you shopped online with Chase Rewards Plus it was a straight percentage cash back. So, for example when I bought some sneakers at JCPenny with 4% cash back, I literally received a bonus of 4% on top of the standard 1%. *BUT*, this newer “Ultimate Rewards” program could be different and may be exactly as you described… I’m supposed to receive a welcome package sometime this month, so perhaps I’ll know more then.

Pen Fed Visa Platinum Gas / Cash Rewards Card: Like Dan said, anyone can join the PenFed credit union by a one-time $20 donation to the National Military Family Association. It’s harder, though, to be approved for the credit card itself because PenFed is a very conservative lender. You might want to search around the ficoforums for advice before trying to obtain the Pen Fed Visa.

I actually got taken by Chase on the Freedom card when they changed the rewards scheme. I’m not at all impressed with the way they handle it now, since the categories are kind of random, they rotate quarterly, and you have to “opt in” to get the 5%. Here’s my rant: link

Plus, realistically speaking since they rotate, you’re really only averaging 1.25% on an annual basis, which is not impressive at all. You’re better off with a straight 2% cashback card like the Fidelity Amex.

Just to clarify, as a representative from Chase pointed out privately, the bonus is an additional (up to) 20% back on the purchase price, not on the points *for* the purchase. In other words, you can earn up to 21% cash back by shopping in the mall… not a bad benefit, indeed, if you prefer shopping with your money rather than tucking away your rewards into a savings account. So as you described, you earned 4% cash back for shopping in addition to the 1% built-in cash back.

Honestly, i think people have to price around or shop around to get the most cash back bonuses ontop of whatever your card gives you for regular purchases (ie. 1%). Shopping online at the credit cards’ shopping malls: DiscoverCard’s ShopDiscover, Chase’s Ultimate Rewards Mall, AmericanExpress’ BonusPointsMall, Citibank’s ThankYou Network, BankofAmerica or FIA’s AddItUp, Sovereign Bank (Santander) CashRewards, and others can vary with the same retailer or merchant. For one, I saw DiscoverCard give 5% bonus + whatever tier level you are in; Chase gave 3% +1%regular cashback; BankofAmerica gave 3%. Maybe you can enroll your FIA Schwab card with BankofAmerica’s additup, and get the 2% plus the bonus % cashback (not sure if this card and other affiliate/ co-brand cards are applicable; any1 know??) Alternately, you can price around if you are a Frequent Flyer Miles junkie; some airlines gives 10 miles per $ you spend by shopping from the airline’s webmall site, and you’ll get your normal cashback % from your card issuer. Lado

The Chase card at 5% looks worth the effort if you have the patience to track what card to use when and where. I have the older Fidelity 529 MasterCard, 2% into the kid’s college account. Amex Open gives 5% on Office supply store and certain hotels. So I use that for those specific purchases.

For those who mentioned the Fidelity card… I will add that to the list. Thanks for the feedback!

Under a different category – spending money you actually possess instead of credit: PayPal Debit Card offers 1.5% on all purchases made using ‘credit’ as an option (instead of debit).

Understandably this is a different category debit vs credit (existing money vs borrowed). Might be a different feature idea. Local credit unions probably blow this benefit out of the water, but far less flexible in moving money around accounts.

I have the True Earnings card and it has been huge because there is no cap, no minimum, and I have the business one which gets 4% back on gas as opposed to 3% that is listed here. Plus with the open network I save up to 10% in additional savings off of places like Hertz, Hyatt, FedEx, and Marriott. This year I’m averaging 2.3% back on my card across all expenditures when you figure the open network and the annual rebate from Costco for the executive membership. If you travel and eat out a lot, this card is definitely worth it.

I think a lot of the cards have great potential for earning a lot, but I would rather have flat % back on purchases and not need to go online to ‘enroll’ for the extra % back. I also dislike changing categories, I really do not wish to time my purchases according to their rewards schedule (chase freedom!).

The penfed looks great as does anything that offer more than 1% on all purchases with no threshold nor limit.

At the moment I am using a chase amazon card. I buy a lot of stuff from amazon and it offers no limit 1% on all purchases and 2% on gas, dining, office supply and drugstore purchases, also with no limit nor threshold. Since I use amazon a lot it offers 3% on those purchases, which is nice. I do not need to log on to do anything but pay my bill and redeem my rewards. The way you redeem rewards with chase has been far superior to any other card I have used (BoA, TD, Discover).

I think the number 1 card on the list should be the one that requires the highest average % back with the least amount of ‘work’ on the user’s side.

I love my Discover card for cash back. I then use the cash back to save 10-20% on gift cards

Update: PenFed is offering 2% cashback on supermarkets only until Feb 28, 2011. So not a hot deal anymore.

The Citi Cashreturns card “does” have a limit. I’ve had this card for two years and just discovered the $300.00 maximum limit on cash back. I think it was just instituted.

I’m replacing it today with something higher up on the list. Hopefully the information on the alternatives is correct.

Chase has just started a requirement for their 10% feature that you open a checking account a keep a 1500$ minimum balance.

Thanks for the advice! I had never heard of the PenFed card, but I just signed up for it to use for my gas purchases going forward. For the people who do have this card, what’s the deal with the Regular Share account? It made me deposit $5 into it (I guess opening a savings account is a requirement?). Can I just leave this account alone from now on? I really only applied for the credit card and don’t want to have to manage a savings account as well.

Penfed is a credit union and are therefore goverened by the National Credit Union Association which requires membership into the credit union and a share savings account with at least $5 deposited into it in order to take advantage of any of thier banking products such as credit cards, checking account, mortgage loans, car loan, etc. You dont have to manage that share savings account, you just have to make sure you keep at least $5 in that account as per PEnfed’s membership requirement.

“READ THE FINE PRINT BEFORE YOU SUBMIT ANYTHING!” Duh?

If you were denied for the credit card at Penfed you didnt meet thier strict lending guidelines. Penfed is a credit union and therefore very conservative which is why they can offer such wonderful rates, products and services to those who qualify. They are not a high risk lender and therefore do not have the delinquency and bad loans that other less conservative lenders do. Because of this they are able to pass on lower interest rates to thier borrowers and wonderful products like the Visa card that gives you 5% back on gas and 1% on all other purchases with no annual fee. I’m sorry you didnt have a very good experience.

Although not as “flashy” as some of the offers in this article, I have been very happy with the PNC CashBuilder® Visa® Credit Card (formerly National City Bank Cashbuilder Visa). Here are the current terms from their website:

PNC CashBuilder Visa is a card that earns a 1.25% competitive cash back rate on all net purchases.*

•Earn 1.75% cash back on all your net purchases for the first billing cycle after account opening.* •Variable purchase and balance transfer Annual Percentage Rate (APR), currently 12.99% to 20.99%, based on credit worthiness.** This APR varies with the market, based on the prime rate. •No Annual Fee**

For more info and to read the “fine print” go to:

I love my Nordstrom Visa Card – the points earned get converted into redemption vouchers that are sent automatically and can be used like cash at Nordstroms. I save my $20 and $40 vouchers and then when I’ve accumulated $200 in vouchers, I go shopping!

I use my Target VIsa card when I shop at Target in order to get the 5% discount on purchases.

I use the Amazon Visa for amazon. com purchases in order to earn their 3%.

I use the Costco AMEX for gasoline purchases at Costco to get 3% back on that.

For all other purchases, I use the Nordstrom Visa Card in order to earn their same-as-cash vouchers.

you may want to consider the Citi Forward card for your Amazon purchases. You get 5 points for every dollar spent at restaurants, movies and bookstores (they consider Amazon a bookstore for some reason), and 1 point for everything else. The 5 points comes out to roughly 3.1% – 5% in the form of gift cards, and you can get a Visa gift card too, which is basically cash.

Wow; good deal! Thanks for the feedback; I don’t see it on your list, so I’ll Google it.

My favorite card was formerly the chase 5% card but I hate the rotating categories and am searching online for a replacement. I still have the former Schwab now FIA 2% card, and the beauty of it is that there’s no minimum to redeem the cash back, and it’s auto-deposited into my acct. As an Amazon shopper, I am aware of the Amazon card (3% on Amazon, 2% for everything else) and so far that is my leading contender to replace the Chase card. I just want cash back — not gift cards.

What about PNC’s cards? The Cashbuilder card offers 1.25%-1.75% cash back on all purchases! Higher tiers can be gained by having a checking account or just by spending more!

Last year on my Freedom card, I averaged 2.9% cash back between the rotating 3% and bonus 5% and a significant amount of shopping through their rewards shopping site, accompanied by only cashing in for the $250 checks. With that bonus $50 for rewards accumulation, that makes your effective earning rate 1.25% at the bare minimum. It should be higher always, simply because you have the rotating 3% categories.

However, I have recently applied for the Fidelity AMEX as well, and since the card uses the WorldPoints program, you can play it similarly to the Freedom card, in that if you wait until you hit 25,000 points, you CAN redeem for a 1:1 cash check for a full $250. Up until that point, the checks are fractional (because they WANT you to open a Fidelity account); however, a Fidelity account isn’t REQUIRED to take advantage of the 2% base earnings rate… just a little patience, that’s all.

When I ran a comparison between my Freedom card and the FIA card using the current available earning levels in the Chase Rewards Shopping site and the WorldPoints Mall, about 75% of the stores I use frequently online will produce a higher NET cash return using the FIA card than the Freedom card. In my book, the FIA card could be easily propelled up on this card list. It’s usefulness is being underestimated by the illusor tie to Fidelity.

Thank you for doing the comparison. This article is a joke, it just updates every month with the same information so people think its current. The FIA is the best no annual fee cash back card around. I have the Chase Freedom as well, but only use when some place doesn’t take Amex.

I also think the Citi forward visa should be on the list. You get 5 points for every purchase on books, movies, music, and restaurants. And guess who is largest bookstore? Amazonas. So you get 5 pts for every amazon purchase. You cant redeem them 1:1, so its not exactly 5% cash back, but I think it comes out to 2-3% cash back, slightly better than FIA. Oh, and the categories don’t change very few months, and you don’t have to opt in like the Chase Freedom.

I’m not sure why this editor is on love with the Chase Freedom, There are at least 2 better cards out there.

Each month I evaluate the current offers — in fact it’s updated on a more than monthly basis. The cards listed on this page change depending on what offers are available.

On the American Express website, their description of the Blue Cash card says: Get 3% cash back at supermarkets, 2% back at gas stations and department stores, and 1% everywhere else. The woman from Money Magazine that was on the Today Show yesterday said 5% on three categories: gas, groceries & pharmacies and 1.25% on everything else once you hit $6500. Why the discrepancy?

John is right about the card you are looking for. It’s the AMEX Blue Cash card which they stopped offering in May/June of 2011. I did an analysis on all these cards and that card, although no longer availabe, paid back the most for the normal single consumer, especailly with gas at where it is today. What I also concluded was that the AMEX Preferred was the second best card for my needs even with the $75 annual fee taken out the cashback.

For a family that spends alot on groceries that 6% could make a huge difference. If the AMEX Blue Cash was not availabe when I was doing my research, the AMEX Preferred would have been my second choice. Take a look at the AMEX Preferred.

Be careful thoughh as the new AMEX Blue Cash cards (I have the older one with the $6,500 threshold limit) have a $6,000 Cap on the higher percentages; after you hit the Cap you start to earn lower percentages. The older Blue Cash cards had a $6,500 threshold before the higher percentages kicked in but thereafter were unlimited.

I have the old Amex Blue and it is 5% on pharmacy, Gas, Grocery. I’m not sure when they changed the terms but its a shame as it really is a great cashback card for a family. They did force a change from 1.25% on everyday down to 1% on everyday. Other than that all remains in tact for the older customers.

I think she was referring to the promotion % for the first 6 months.

I just got off the phone with AMEX. I have been using the Blue Cash card for a few years now. I average about $1,000 back annually. The latter description is correct; 5% on gas, groceries & pharmacies and 1.25% on everything else – after $6,500. I make a habit of saving some major purchases for July when my card cycle resets, thus I hit the $6,500 in two billing cycles. One CATCH, Walmart is the largest retailer of groceries in the World, but AMEX does not recognize this and will only give you 1.25% back. The same is true for Sams and Costco.

I have the Capitol One No Hassle Cash Rewards card but do not have to spend $6k to get 2% on gas and groceries. I don’t see where you get that or the 3%. From Capital One site:

No Hassle Cash Rewards Credit Card

Rewards 2% cash back on purchases at gas stations and major grocery stores

1% cash back on all other purchases

Now that I have been approved for the PenFed VISA, I now own 12…yes, 12 credit cards. I have recently in the past few months been heavily researching the new products and utilizing rewards. I have been diligent to maintain superb credit (has taken a bit of a hit lately with the three new cards and other hard hits). PenFed probably loves a clean payment history, not the credit score alone. So, if ANYONE cares to know the reason I have that many cards; it is simple. I have the following cards with the most utilized rebate potential out of all 12. Here we go. I will even list them alphabetically. ) OH! NONE of these cards carry an annual fee.

American Express Delta Skymiles Options – I use to book flights only. Capital One Business Platinum VISA – Well, business expenses. Good bank, too. Capital One (formerly Chase) Sony Card VISA – All things Sony. Plus you get a website benefit. http://www. sonyrewards. com/en/home/base/ Chase Freedom MC – I utilize the 5% on the revolving promotions up to $1500. Choice Privileges VISA – GREAT if you are a fan of Choice brand hotels. Citi Hilton HHonors VISA – See above except apply to Hilton hotel family. Discover More – Categories are similar to Chase Freedom. Cap on 5% is less than $400 usually. Macy’s Department Card – What can I say? Everyone needs one retailer card. Great coupon kickers. Wachovia Platinum VISA – Nada. Big limit and low interest for a bad pinch. WorldPoints VISA – Worthless. Upromise World MC – This card is cool. It offers great online savings AND you can sign up for a free account with Upromise, link it to Sallie Mae Savings and…poof. Savings are swept into a savings account.

Lastly, I cannot wait to save 5% on gas ALL the time. Thank you for the advice from all blogs and commentary.

Quick note. Chase allows to redeem rewards as small as $20-$25. Discover is $50 min. If it is one or the other, Chase Freedom is much better.

This has been changed with Discover. You do not have to have $50 to get the cash back.

i just applied for the Penfed card to get 5% back on gas. I will also apply for the AE Blue Cash :Preferred to get 6% back on groceries – the AE card costs $75 per year but we spend $600 per month on groceries so it will be well worth it. Lastly i got the Chase Freedom Card where i will get back $150 after my first $500 in purchases.

I’ve shopped through the Ultimate Rewards Mall and they never gave me the points (I think it was 5% of the purchase sub-total). I contacted them and they said they had no record of the transaction and would not give me the points that I earned by shopping through the “Rewards Mall.”

Total scam in my opinion… will never do that again. CapitalOne Venture card is far better for the Miles you get and Perk Central actually gives you the miles earned through their system.

A bit off subject, but does anyone know if/where I can get a current code for the $100 cash bonus for opeing a Chase checking account (not the one with the dd attached)? ¡Gracias!

Your website rates this card very highly. I will admit, at a glance it is very appealing. We spent a good bit of time and several phone calls to the card issuer and discovered some information that we are not sure that you are aware of. Did you realize that to get just a $10 cash back reward(true check in the amount of $10), using the 1% cash back, you would have to spend $100,000 in credit card purchases? So to earn the 2,000 points and a $20 cash back reward that they advertise, you would need to spend $200,000 in credit card purchases! I feel their advertising is misleading and thought you should check into this to see if you still want to rate their product so highly.

Your math is incorrect. For Chase Freedom, you earn 1 point for every dollar spent. You need to spend $1,000, earning 1,000 points, to redeem $10 in rewards, but you may need to earn more to qualify or a minimum payout. 1% cash back means it works out to $1 for every $100 you spend. Es así de simple.

“Rewards are earned as points, which can be redeemed for cash back. 1% cash back equals 1 point. If you choose to redeem for cash back, 1 point equals $0.01 cash back. For example, 2,000 points can be redeemed for a $20 check.”

The 5% bonus opportunity improves this offer

1 point for $1 in purchases… to get a 1,000 points, you charge $1,000. Not sure where you’re getting your numbers.

True Earnings® Card from Costco and American Express offers 3% for Restaurants as well.

B of A cards are generally not competitive for rewards by any means. If you’re looking for low apr, then yea, you may want to see what BA is offering. But those rewards you claimed are actually beaten significantly by several other card offers, both Discover and Citi regularly offer 5% cash back on the gas and grocery front and also have the 1% cash back on all other purchases. You can also get a $50 bonus from those cards as well if you keep you’re eyes peeled for ‘em…sometimes even more.

Hmm, I don’t really understand how it’s possibly not competitive with the Capital One No Hassle. And as far as I know, Citi and Discover only do that on a rotating basis. For someone like myself, who’s essentially only spending money on groceries and very little else, it doesn’t help much to only have that a few months out of the year. I wouldn’t regularly be spending much in most of the other categories. I think I’d earn more cash back with a steady 2% groceries all year. But regardless, this is Capital One No Hassle with better rewards on gas. There are some flat 1% cash back cards on that list, so I don’t see why B of A wouldn’t be included.

Check out the new B of A cash rewards Visa. Straight 3% on gas 2% on groceries and 1% on everything else. No need to opt and no rotating categories.

Why not one of the AMEX Blue Cash cards? 3% off groceries (or 6%-%75AF)

Sorry, make that “or 6% – $75 AF”

And actually, it looks like Capital One did away with their no fee version of the card. So if their $39 a year No Hassle card makes the list, makes no sense why the no fee B of A card wouldn’t. In my opinion.

BOA’s card is not unlimited. see their T&C:

“You will earn total cash rewards of 2% (consisting of 1% bonus cash rewards and 1% base cash rewards) for net purchases at eligible grocery merchants and 3% (consisting of 2% bonus cash rewards and 1% base cash rewards) for net purchases at eligible gas merchants (the “Bonus Categories”), for the first $1,500 of combined net purchases made during each calendar quarter in the Bonus Categories”

Good point. I’m low income, so that wouldn’t apply to me unless I was spending way more than I could afford. But for many people that may be a point of interest.

THE CHASE CARD HAS QUARTERLY POINT LIMITS on the bonus 5% cash back offers (I think $75). I just got one and got screwed!

How about this one? Capital One Cash

Load up on cash back with a 50% bonus every year Summary of Key Benefits: Enjoy a 50% bonus on the cash back you earn every year Earn 1% cash back on all purchases Get your cash back how you want it, when you want it Save with a low intro APR on purchases and no annual fee New account holders can earn a one-time $100 bonus

Just want to say Chase freedom no longer offers 200 signup bonus. It is cut half to $100.

I am also interested to know what people think about the CapitalOne Cash with 50% bonus. Sounds okay, still not as good as having 2%, god i still have my FIA card but knowing that i will be losing the 2% end of october, i already miss the card.

The $200 Chase Freedom bonus is definitely still available (September 18, 2011). Just follow the link in this article.

haa, you are right, the link in this article still says 200, but according to this link it is 100: https://creditcards. chase. com/credit-cards/chase-freedom. aspx

I did call Chase and they told me its no longer 200, whatever, i hate inconsistencies, i should just go for the capital one.

The offers we present on Consumerism Commentary aren’t necessarily open to “the public” (that is, they are unadvertised except for on Consumerism Commentary and possibly a small number of other websites). Phone CSRs may not necessarily know about them. The information provided here is current.

BP has a good rewards card if you travel a lot and buy BP fuel. Unlimited Rewards. 5% cash back on ALL BP purchases (including snacks, beer, etc.) 2% on dining and travel, 1% on everything else, excluding online purchases. Apply for the card on BP’s website, but it is administered through Chase. I have had this card for just over a year now and have close to $500 cash back. I buy a lot of BP fuel.

Navy Federal offers a cash rewards VISA card that gives you 1.5% after you make $10k in purchases. It’s 1% before you reach $10k in purchases.

I have been trying to find a replacement card for my Charles Schwab (FIA) card ever since I found out it was being replaced with the pathetic BofA reward program. I saw this offer from Household Bank (HSBC): https://www. householdbank. com/ecare/cards? docId=Cards_Tab_data_cards_hb_sp5_xml&WT. svl=400 and wanted to see what others thought of it as a possible replacement before I took the plunge. It looks promising, but I wanted to see if anyone out there as had any experience with this card.

I have a 2% rebate, no annual fee HSBC card that is capped at $400 back per year. Your link does not say anything anything about a cap, but you should double chack on that.

I just starting using my Fidelity Visa 1.5% cash back card and found two issues:

1. No e-mail balance/bill/activity alerts. Perhaps this would change if I did not get a paper statement. 2. No ability to auto-pay the entire balance in full each month without intervention. You can auto-pay a fixed amount or manually pay the balance at a date in the future. But I am bound to get busy and forget to do this.

Were are my scissors…

You omitted the CAPITAL ONE cash rewards card. 1% on all purchases plus at the end of one year you get a 50% bonus. This equals 1 1/2% of all purchases. No annual fee. $100 bonus for opening the account. If you pay off your balance each month, the only card that beats it is the Fidelity card that gives you 2% but requires you to open an brokerage account with them. I opened an account with them for $50 then applied for and got the 2% Fidelity card. Only problem Is that it is an American Express card. Bottom line: I get 2% unless the merchant doesn’t accept American Express, then I get 1 1/2%.

I’ve listed the Capital One No Hassle Cash Rewards, but the Capital One Cash Rewards offers a lower cash back percentage for the benefit of no annual fee. I’ll add a note about the new card.

I use the Chase Freedom and the Discover cards for cash back and as presented above the AXP card has a substantially higher tier to receive any cash. I had accumulated approximately 150,000 with membership rewards paying $40/month over 25 years (1,000) and then found that the conversion rate is so poor that the points are really about 75,000 with a 1/1 conversion instad of the typical 1/2 conversion. So I gave up on point cards or what I call “funny money” because of the huge loss during the conversion/redemption process. The best cash back account that I found is Chase freedom for the following reasons: 1) 1% cash back with no tier; 2) 2% more or a total of 3% on the top 3 or 5 of 15 category purchases (3 of 15 for non checking account customers and 5 of 15 for checking customers) 3) 5% more or a possible total of 8% for quarterly promotions. For the 4th quarter of 2011 the promotions are dining, movie theaters, department stores and charitable contributions totaling $1,500 and a separate $1,500 for Khols. They seem to me to have the best cash back program as they have no tier and the give the maximum or 8% on selected quarterly promotions 1% + 2% + 5% = 8%. The Discover card has a 3,000 tier before earning 1% and charges at Walmart or Sams club do not contribute to the tier and always have a cap of 0.25%. The benefit of this card is at redemption where there is a little price improvement on some gift cards at selected merchants. Their disadvantage compared to Chase is that the maximum ever benefit is 5%. The 5% quarterly benefit is not added to the tier level. Wheras with Chase it is added to a maximum of 8%. The 5% quarterly bonuses are often similar with Chase and Discover and each program requires that the customer sign up for each quarterly benefit. Both Chase and Discover had gas at 5% for the summer months. Also I have found that most of the time the dollar amount eligible for the Chase card is almost always higher than the Discover card for the similar quarterly promotion. This quarter the maximum charges for the Discover quarterly promotion (restaurants, department stores and clothing stores it only up to 300 in charges whereas the Chase card is $,1500 in charges (dining, movie theaters, charitable donations, department stores)

go with Capital One’s new Spark for small Business, an obvious answer to Schwab’s termination of its 2% cash back card. 2% Cash back across the board. They are obviously going for all the disgruntled former Schwab card holders like me. It worked.

Yes, there is a $65 fee for the spark card after a year however, and my experience with capital one is that they’ll change the program eventually and somehow make it not as good. This happened to me with the last capital one card I had when they went to their own tiered point system for paying for travel. It is lame.

I have an LLC so this could work, but are there any implications to putting all purchases on a “business” card?

Love the PenFed card so far – we’ve had it for 6 months now. The one thing that wasn’t mentioned in the article (but is important to note) that you don’t have to be a member of any of the organizations or military – they will allow you to join for a $20 donation (which is tax deductible). We use the card for all of our everyday expenses and pay it off each month, so the rewards have FAR outweighed the cost to join.

I will cancel my B of A switchover asap now that Schwab/FIA is gone – it looks like CapitalOne’s Cashback MasterCard with 0% annual fee & 50% cash back bonus every year, 1% cash back on purchases, plus earn a one-time $100 bonus will be best for me, doing the math with the amount I put onto a card, will come out to be pretty much equivalent to the 2% cash back I got with Schwab/FIA.

Does anyone have the history of the rotating categories of the Citi® Dividend World MasterCard.

I’m interested if the #$&*! categories aren’t in perfect alignment with other cards using the “Category Rotation” Métodos.

However, if they rotated their 5% and the categories are different, I could easily determine which card to use based on a particular month. (ie. if one card offered 5% in gas Jan - Mar and another offered 5% from Jun-Aug) I’d just switch the card I used to pay for gas based on the one that paid me the most cash back.

HSBC has a credit card that pays 2% flat rate, no restrictions or annual fee. I recently set up all my recurring monthly bills to be paid automatically with this card. It makes a lot more sense to earn 2% cash back paying with that than it does paying straight out of my checking account.

do you have a link to this offering? I can’t find that particular card paying 2% & no annual. gracias

I can’t find the HSBC card you’re referring to. The only thing HSBC offers is the first 6 months at 2%, afterwards it falls to 1%.

Household Bank Rewards Card.

They have closed sign-ups. (no word on when or if they will re-open; but, this isn’t the first time they’ve closed sign-ups) You can only sign up for their non-rewards cards.

Plus, the required credit score was pretty low for the decent rewards.

HSBC is now with Capital One. That might be why you are not finding it. I have cards with both & I just received notice a couple of weeks ago.

good article too by the way

As for the Penfed 5% Gas cash back CC, you must be a member of their union. However, to become a member, all you need to do is make a $15 donation to their organization serving troops and invest $5 into your own share account as the minimum. From their, your entitled to all of the credit union’s benefits including some amazing loan rates. I just got my card 2 weeks ago. )

Another great benefit to this card is they pay you your cash back each month as a credit to your account statement.

Yup, I had this card for one year – and just got a mailing from them saying they are cutting their cash-back rate on non-gas purchases from 1% down to 0.25%.

Time to find another card and cancel this one.

Yes Chuck, Same thing just happened to us. All the reasons we chose this card are now gone. And…we’ve mentioned a number of times how you can’t download your transactions so you can plug them into quicken or your choice software & they basically said you can download a pdf of the statement or you need to download them right before the new cycle. I’m sure the troops overseas keeping track of their money sit at their computers so they can download their transaction history. Our relationship with Pen Fed will soon be over.

Maybe this is new, but you may want to update the Citi Dividend World Mastercard details. You have on there that you get a $100 bonus after $500 in the first three months, well I applied and got approved about a week ago for that card, but with a $200 bonus after $500 in the first three months. Anyways, I’m looking forward to getting that card!

Good article, I am looking to switch my everyday use card.

I am currently have Pentagon Federal Credit Union card, and just got a notice yesterday. They are lowering the interests rate (useless for me as I payoff every statement) and LOWERING the 1% rebate to 0.25% starting Feb 2012.

So you might need to drop it from your list.

Extremely helpful article as I am looking for a new everyday use card. Here is my dilemma: I spend most of my money on groceries, gas and misc shopping items at either Sams Club or Wal-Mart. According to many of the card offers, Sams Club does not qualify as a grocer due to their Merchant Category Code. In fact, my wife’s Sam’s Discover Card only gives her.25 % back on purchases. Any recommendations on the best card if your primary purchases are from these outlets on a routine basis?

You generally can’t find good cash back deals at warehouse stores because the prices are generally lower per unit. The AmEx Costco TruEarnings card could be a good option if you shop at Costco stores, free for Costco members.

I pay the $100 Plus member fee to get up to 2% back on my Sam’s Club Discover; the deal has annual spending levels where the % back increases whenever you pass a level threshold. I pay for almost everything with that card and pay off the balance each month to avoid interest. I’m honestly not sure it’s the best deal available, but I typically get back over $400 at the end of the year, so it’s been worth the extra $70 over a standard individual membership to me

PenFed is cutting their cash back for general purchases to .25% as of Feb. 1. Still get 5% at the pump though.

I just signed up for the $200 cash back Chase Freedom card. I spent $500 on some much needed things (i. e. new tires, car maintenance), and now I can receive my $200 cash back. Not to mention….I am getting 5% cash back on all these purchases.

This is great info. I was switched by Chase to the Freedom card a few months ago. My original card with them always paid 5% back on gas, groceries and drugstores. That was a slammin’ good deal. They cut that back before changing to the Freedom card. It’s not bad, but I sure miss that original deal.

My card is the best. 6% groceries, 3% gas & department, 1% everything else.

And what would that be?

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Para Kazandıran 10 Hazır iş

Şişme oyun parkları

3- Şişme Oyun Parkları Şişme oyun parkları son yıllarda moda haline geldi. Kalabalık mekanlarda şişme oyun parklarını çocuklara 5-10 dakika oynamaları karşılığında kiralıyorsunuz ve yeriniz iyi ise günde 3 liradan 150 çocuktan 450 lira kazanmanız mümkün. Kazanç oranları kiralayacağınız yere göre değişkenlik gösteriyor. Şişme Oyun Parklarının fiyatları boyutlarına göre 2.000 liradan başlıyor ve 20.000 liraya kadar çıkıyor. Sezonluk olarak kullanılan bu şişme parklar kapalı alanlarda sadece avm’lerde kullanılabiliyor.

Sitemizde Türkiye'den ve dünyanın bir çok yerinden iş fikirleri, bayilikler ve girişimcilik üzerine makaleler yayınlanmaktadır.

Özel Galeriler

Group: Member Posts: 57 Joined: 21-May 10 Member No.: 213,429

Diamond Holiday is an innovative travel service network marketing company that offerВ­s you a wonВ­dВ­erВ­ful opporВ­tВ­unВ­itВ­y tВ­o enВ­jВ­oy a wonВ­dВ­erВ­ful vacВ­atВ­ionВ­, butВ ­ also mВ­ake a sigВ­nВ­ificВ­anВ­tВ ­ inВ­cВ­omВ­e witВ­h ourВ ­ well estВ­ablishedВ ­ tВ­eamВ­.

WitВ­h ourВ ­ DВ­iamВ­onВ­dВ ­ HolidВ­ayВ­, herВ­e is whatВ ­ you gВ­etВ­:

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ThВ­ink aboВ­В­uВ­t hВ­oВ­В­wВ ­ muВ­cВ­hВ ­ yoВ­В­uВ ­ wВ­ilВ­lВ ­ pВ­ay boВ­В­oВ­В­king a 3 nighВ­t vacВ­atioВ­В­n foВ­В­r yoВ­В­uВ ­ andВ ­ yoВ­В­uВ­r familВ­y? $500 0 $1000? SoВ­В ­ wВ­hВ­y wВ­oВ­В­uВ­lВ­dВ­nв€™t yoВ­В­uВ ­ buВ­y a pВ­oВ­В­sitioВ­В­n wВ­ithВ ­ DВ­iamoВ­В­ndВ ­ HВ­oВ­В­lВ­idВ­ay wВ­hВ­en it wВ­ilВ­lВ ­ save yoВ­В­uВ ­ moВ­В­ney foВ­В­r thВ­e same vacВ­atioВ­В­n (oВ­В­nlВ­y $300), pВ­lВ­uВ­s give yoВ­В­uВ ­ a buВ­siness oВ­В­pВ­pВ­oВ­В­rtuВ­nity thВ­at pВ­racВ­ticВ­alВ­lВ­y selВ­lВ­s itselВ­f andВ ­ be a tax wВ­rite oВ­В­ff as wВ­elВ­lВ­?

This post has been edited by Ttatb227 . Jul 3 2010, 07:39 PM

Signature Removed. Please Review Forum Rules.

Halifax Credit Cards.

Compare our great range of credit card products, deals and offers, whether you’re looking for a credit card to make every day purchases, to do a balance transfer or just a simple to use credit card. You can use the table below to see if there's a card that’s right for you.

Important information about our credit cards: Credit available subject to status, to UK residents aged 18 or over. You can transfer balances to us (£100 minimum) from most credit cards and some store cards, excluding other Halifax products. All promotional rates apply from the date we open your account. You must pay at least the minimum payment by the due date each month and stay within your credit limit to keep the promotional rates.

Will I be accepted?

See how likely you are to be accepted for a Halifax credit card without harming your credit score.

Looking for a new Halifax Credit Card?

Compare our great range of credit cards to find one that’s right for you.

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This is a limited offer, available until 11 April 2017.

0% for up to 40 months from account opening on balance transfers within the first 90 days.

0% for 6 months from account opening on purchases.

An initial 3% fee applies, we'll then refund 0.42% on balances transferred within the first 90 days. ¥

You may receive a shorter balance transfer introductory period and different APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

¥ Minimum £100 balance transfer. An initial 3% fee applies; we'll then refund 0.42% within 90 days, so the effective fee is 2.58%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer.

Representative 18.9% APR (variable)

Purchase rate 18.95% p. a. (variable)

Based on borrowing £1,200 over 12 months.

Credit limits and interest rates will vary based on your individual circumstances

0% for up to 32 months from account opening on balance transfers within the first 90 days.

0% for 6 months from account opening on purchases.

An initial 3% fee applies, we'll then refund 1.86% on balances transferred within the first 90 days. *

You may receive a shorter balance transfer introductory period and different APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

* Minimum £100 balance transfer. An initial 3% fee applies; we'll then refund 1.86% within 90 days, so the effective fee is 1.14%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer.

Representative 18.9% APR (variable)

Purchase rate 18.95% p. a. (variable)

Based on borrowing £1,200 over 12 months.

Credit limits and interest rates will vary based on your individual circumstances

0% for 30 months from account opening on balance transfers within the first 90 days.

0% for 12 months from account opening on purchases.

1% fee applies on balance transfers within the first 90 days. 1

At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

1 Minimum £100 balance transfer. 1% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account.

Representative 18.9% APR (variable)

Purchase rate 18.95% p. a. (variable)

Based on borrowing £1,200 over 12 months.

Credit limits and interest rates will vary based on your individual circumstances.

0% for up to 24 months from account opening on balance transfers within the first 90 days.

0% for up to 24 months from account opening on purchases.

2.5% fee applies on balance transfers within the first 90 days. 2

You may receive a shorter introductory period on balance transfers and purchases, and a different APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

2 Minimum £100 balance transfer. 2.5% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account.

Representative 18.9% APR (variable)

Purchase rate 18.95% p. a. (variable)

Based on borrowing £1,200 over 12 months.

Credit limits and interest rates will vary based on your individual circumstances.

0% for up to 23 months from account opening on balance transfers within the first 90 days.

0% for 6 months from account opening on purchases.

0% fee applies on balance transfers within the first 90 days. 3

You may receive a shorter introductory period on balance transfers and a different APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

3 Minimum £100 balance transfer. 0% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account.

Representative 18.9% APR (variable)

Purchase rate 18.95% p. a. (variable)

Based on borrowing £1,200 over 12 months.

Credit limits and interest rates will vary based on your individual circumstances.

A low representative rate of 6.4% APR (variable).

One simple rate for both balance transfers and purchases.

0% fee on balance transfers within the first 90 days. 4

At least 51% of successful applicants will receive a representative rate of 6.4% APR (variable).

4 Minimum £100 balance transfer. 0% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days from when we open your account.

Representative 6.4% APR (variable)

Purchase rate 6.45% p. a. (variable)

Based on borrowing £1,200 over 12 months.

Credit limits and interest rates will vary based on your individual circumstances.

One simple rate for balance transfers, purchases & cash withdrawals.

No fee for transferring a balance or withdrawing cash (interest charges apply). 5

No fee for using your card anywhere worldwide (interest charges apply). 5

At least 51% of successful applicants will receive a representative rate of 1 8 .9% APR (variable).

5 Minimum £100 balance transfer. We don’t charge a cash advance fee but some independent providers may charge fees for use of their ATM service. While there are no usage fees for the Clarity Credit Card, interest charges still apply - see the Summary Box for full details.

Representative 18.9% APR (variable)

Purchase rate 18.95% p. a. (variable)

Based on borrowing £1,200 over 12 months.

Credit limits and interest rates will vary based on your individual circumstances.

Credit limits up to £1,000 (subject to status).

Weekly balance updates via SMS text.

Payment due alerts via SMS text.

All successful applicants will receive a representative rate of 19.9% APR (variable).

Representative 19.9% APR (variable)

Purchase rate 19.95% p. a. (variable)

Based on borrowing £1,000 over 12 months.

Credit limits will vary based on your individual circumstances.

This is a limited offer, available until 11 April 2017.

0% for up to 40 months from account opening on balance transfers within the first 90 days.

0% for 6 months from account opening on purchases.

An initial 3% fee applies, we'll then refund 0.42% on balances transferred within the first 90 days. ¥

You may receive a shorter balance transfer introductory period and different APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

¥ Minimum £100 balance transfer. An initial 3% fee applies; we'll then refund 0.42% within 90 days, so the effective fee is 2.58%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer.

Representative 18.9% APR (variable)

0% for up to 32 months from account opening on balance transfers within the first 90 days.

0% for 6 months from account opening on purchases.

An initial 3% fee applies, we'll then refund 1.86% on balances transferred within the first 90 days. *

You may receive a shorter balance transfer introductory period and different APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

* Minimum £100 balance transfer. An initial 3% fee applies; we'll then refund 1.86% within 90 days, so the effective fee is 1.14%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer.

Representative 18.9% APR (variable)

Purchase rate 18.95% p. a. (variable)

Based on borrowing £1,200 over 12 months.

Credit limits and interest rates will vary based on your individual circumstances

0% for 30 months from account opening on balance transfers within the first 90 days.

0% for 12 months from account opening on purchases.

1% fee applies on balance transfers within the first 90 days. 1

At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

1 Minimum £100 balance transfer. 1% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account.

Representative 18.9% APR (variable)

Purchase rate 18.95% p. a. (variable)

Based on borrowing £1,200 over 12 months.

Credit limits and interest rates will vary based on your individual circumstances.

0% for up to 24 months from account opening on balance transfers within the first 90 days.

0% for up to 24 months from account opening on purchases.

2.5% fee applies on balance transfers within the first 90 days. 2

You may receive a shorter introductory period on balance transfers and purchases, and a different APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

2 Minimum £100 balance transfer. 2.5% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account.

Representative 18.9% APR (variable)

Purchase rate 18.95% p. a. (variable)

Based on borrowing £1,200 over 12 months.

Credit limits and interest rates will vary based on your individual circumstances.

A low representative rate of 6.4% APR (variable).

One simple rate for both balance transfers and purchases.

0% fee on balance transfers within the first 90 days. 4

At least 51% of successful applicants will receive a representative rate of 6.4% APR (variable).

4 Minimum £100 balance transfer. 0% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days from when we open your account.

Representative 6.4% APR (variable)

Purchase rate 6.45% p. a. (variable)

Based on borrowing £1,200 over 12 months.

Credit limits and interest rates will vary based on your individual circumstances.

One simple rate for balance transfers, purchases & cash withdrawals.

No fee for transferring a balance or withdrawing cash (interest charges apply). 5

No fee for using your card anywhere worldwide (interest charges apply). 5

At least 51% of successful applicants will receive a representative rate of 1 8 .9% APR (variable).

5 Minimum £100 balance transfer. We don’t charge a cash advance fee but some independent providers may charge fees for use of their ATM service. While there are no usage fees for the Clarity Credit Card, interest charges still apply - see the Summary Box for full details.

Representative 18.9% APR (variable)

Purchase rate 18.95% p. a. (variable)

Based on borrowing £1,200 over 12 months.

Credit limits and interest rates will vary based on your individual circumstances.

AMEX cards for non-US residents and non-US nationals

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AMEX cards for non-US residents and non-US nationals

Oct 17, 10 11:15 pm by Trinners

You might consider the American Express International Dollar Card. It's a USD charge card (Green/Gold/Platinum/Centurion) serviced from the UK. The billing address can be a US address. However, they will look for proof of your address in the US such as a bank statement. They do not require a SSN when you apply but they are picky about your financial status and will contact both your employer and your bank for a reference and will look for tax returns, bank statements etc. Payment is by wire transfer to Standard Chartered Bank in NYC or else a check drawn on a US bank (sent to a UK address).

I have had one since I moved to the US and I have never had a problem using it in person or online. It is essentially a US charge card. Customer service is based in the UK and is top notch.

Estoy de acuerdo. I did the opposite. I applied for the US card then the IDC card.

You can apply for the IDC card then the US card.

Oct 18, 10 2:12 am by mia

Originally Posted by Trinners

Payment is by wire transfer to Standard Chartered Bank in NYC or else a check drawn on a US bank (sent to a UK address).

Or through a U. S. bank's online billpay system, eliminating the cost of a wire transfer and the delay of posting a paper check to the UK.

Thanks for your feedback/responses. IDC card aside I guess I would like to create and build a good standing credit record within the US.

Am I right in thinking that you only start to create credit worthiness with a SSN? What alternative methods can I use to create and build my file in the US.

I have opened bank accounts with Chase and have a the use of two addresses but clearly these don't mean I suddenly appear in the system.

Any suggestions or recommendations would be appreciated.

Originally Posted by cliff. flynn

Thanks for your feedback/responses. IDC card aside I guess I would like to create and build a good standing credit record within the US.

Am I right in thinking that you only start to create credit worthiness with a SSN? What alternative methods can I use to create and build my file in the US.

I have opened bank accounts with Chase and have a the use of two addresses but clearly these don't mean I suddenly appear in the system.

Any suggestions or recommendations would be appreciated.

A valid SSN or TIN is necessary. If you are legally able to work in the US, you should be able to obtain at least a TIN. I would consider getting a secured credit card to establish credit in the US if you are not willing to start out in the UK with the IDC card and just transfer it to the US, that way you already will have credit here.

Oct 18, 10 3:19 pm by caminoms

Same thing happened to me. Get an AMEX charge card through your employer. In 6 mo you will have credit history and then you should be able to ask an additional one on your own Best

Sep 11, 13 12:04 pm by jack55

AMEX cards for non-US residents and non-US nationals

I have just been reading the feature piece on accumulating points with credit cards. How can a non US resident and a non US national get these deals. especially the Amex and other hotel and airline credit cards?

Sep 11, 13 12:14 pm by echino

Originally Posted by jack55

I have just been reading the feature piece on accumulating points with credit cards. How can a non US resident and a non US national get these deals. especially the Amex and other hotel and airline credit cards?

No way to get a US Amex without US address, SSN, income and, most importantly, US credit history.

Sep 11, 13 12:18 pm by mia

In general you would need to have a US Social Security number and a verifiable USA address, although there may be exceptions if you are (for example) an HSBC Premier customer.

Suggest reviewing these threads:

Sep 11, 13 1:44 pm by Coolers

Originally Posted by echino

No way to get a US Amex without US address, SSN, income and, most importantly, US credit history.

Not entirely correct. You need not have a SSN, income or US credit history to get an Amex via Global Transfer.

As a Canadian, I have limited US credit history from having opened a BOA credit card in Niagara Falls, NY. No SSN or US income. I was approved for the MB Amex Plat just two days ago on the strength of that history alone.

Sep 11, 13 2:08 pm by echino

Originally Posted by Coolers

Not entirely correct. You need not have a SSN, income or US credit history to get an Amex via Global Transfer.

As a Canadian, I have limited US credit history from having opened a BOA credit card in Niagara Falls, NY. No SSN or US income. I was approved for the MB Amex Plat just two days ago on the strength of that history alone.

Do you get all the special signup bonuses like 100k platinum if you use global transfer? I would do that if I could.

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Brief Highlights about EOU

An EOU is basically an Export Oriented units which can be set up in the declared ‘warehouse stations’ in India. There are almost 300 such warehouse stations. EOU units are very closely connected with Customs Law and Excise Law. Besides, Foreign Trade Policy deals with EOUs at larger extent. Further, Income Tax Act and Foreign Exchange Management Act are also very relevant for EOU units. EOU not availing direct tax benefit are entitled to Duty Credit Scrip of VKGUY, FMS, FPS and SHIS.

Setting Up of a new EOU

Initially the unit have to prepare detailed Project Report as these forms the basis of sanction of the scheme. The NFE should be positive. Thereafter, the unit is required to obtain approval from the Unit Approval Committee (UAC) for automatic approval scheme and from Board of Approval (BOA) for schemes other than under automatic approval scheme. The afore-said authorities shall issue Letter of Approval after which a Legal Undertaking has to be submitted and Green Card shall be obtained from him. A Licence has to be obtained u/s 58 and 65 of the Customs Act. B-17 bond has to be submitted with solvency certificate or bank guarantee. CT-3 certificates have to be obtained.

Requirements of Positive NFE

The units should have a positive NFE (Net Foreign Exchange) which is A-B where A is FOB value of Exports and B is the sum total of CIF value of all imported inputs and capital goods and all payments (like commission, royalty, fees, dividends, interest on borrowings) made in FOREX. It is pertinent to note that the goods which are purchased on high sea sale basis in Indian rupees will be considered as imported goods for the purpose of calculation of NFE, even if payment is made in Indian Rupees as mentioned in Para 14 of MF(DR) circular No. 12/2008-Cus dated 24-07-2008. NFE Earning shall be calculated in a block of five years starting from commencement of production. Further, certain other aspects as mentioned in Para 6 of HBP Vol. 1 have to be kept in mind.

Failure to achieve NFE: It is worthwhile to mention that if NFE is not achieved then the unit is liable to pay duty and interest in proportion to default will be payable as per MF(DR) Circular No. 29/2003-Cus dated 03-04-2003. Further, if the NFE is not achieved then the EOU is not allowed to exit. A plethora of judicial pronouncements have dealt with the issue of failure to achieve NFE by EOU some of which is mentioned here-in-below for ease of reference:

a) In case of Natural Stone Exports (2006) 198 ELT 440 . it has been held that duty is payable only at the time of de-bonding even in case of failure to achieve NFE as EOU is a warehouse.

b) In case of Suvarna Aqua Farm (2005) 190 ELT 284 it has been held that penalty cannot be imposed if export obligation was not fulfilled as the circumstances were beyond the control of the assessee.

c) In case of Noel Agritech (2011) 273 ELT 306 . it has been held that in case of failure to meet export obligation, duty is payable but confiscation of capital goods is not warranted.

Procurement of Inputs & Capital goods

An EOU is entitled to procure inputs and capital goods without payment of duty. Thus, All India Rate of Duty Drawback cannot be taken by an EOU. Further, the EOU can procure inputs or capital goods under CT-3 from the manufacturer of such goods without payment of duty. Otherwise, the EOU units can procure goods on payment of duty which can be used for DTA sales by an EOU unit or refund can be claimed under Rule 5 of CENVAT Credit Rules, 2004 for the inputs &/or input services. The matter is no longer res integra as it has been held in a plethora of cases that Rule 5 of CCR’04 is also available to an EOU.

Bonding Period for EOU

The EOU units are the bonded warehouses. The bonding period for an EOU is three years for raw materials, consumables & spares and five years for capital goods. Bonding period means that the goods must be used by the EOU within the bonded period. The same can be extended by the Commissioner without any upper limit if the same is not likely to deteriorate. Warehouse licence is given to EOU for a period of five years which has to be renewed from time to time.

Exit of EOU (De-Bonding)

An EOU can opt out of the scheme only with the approval of Development Commissioner as per Provisions of para 6.18 of FTP. Exit from EOU is not possible in case positive NFE is not achieved under Advance Authorisation scheme.

The requirement of positive NFE is mandatory in case EOU is applying for EPCG after exiting as NOC is required to be obtained from the Development Commissioner. Export obligation for a unit which converts from EOU/SEZ scheme to EPCG would be same as available to direct EPCG authorisation holder, i. e. 8 or 12 years from the issue of EPCG authorisation. Further, it has been clarified that if a standalone EOU unit converts into EPCG scheme, the additional export obligation shall be equivalent to six/eight times of depreciated value. Further, if the unit of a Firm/company opts to de-bond then the average export obligation in respect of firm/company (other than debonding unit) shall remain unchanged. For the debonded unit, the export obligation shall be fixed by excluding the exports made by such unit from the exports of the company/firm.

Unit can be ordered to be exited if it fails to achieve NFE or other requirements. Duty on raw material, capital goods is payable at the time of debonding. It is pertinent to note that in case of Premier Granites Limited (2000) 122 ELT 220,it has been held that duty demand can only be raised after the order for exit has been issued. Further, in case of Trans Freight Containers (2012) 277 ELT 168 . it has been held that even if export obligation is not fulfilled, duty can be demanded on inputs lying in stock at the rate of duty prevalent at the time of payment of duty, on original value of importation. Duty cannot be demanded on consumed inputs and final products were exported. Further, depreciation on capital goods (CG) is available even if export obligation was partially fulfilled.

It is worthwhile to mention that Hon’ble CESTAT in case of Tecumseh Products (2011) 269 ELT 401 has held that CENVAT Credit available with an EOU can be transferred to DTA unit on de-bonding. New IEC number will have to be taken at the time of exit.

Customs duty will have to be paid on unused imported raw material and consumables lying in stock at the time of exit at the rates as on date of clearance. In respect of excisable goods, excise duty is to be levied without depreciation at rates as on duty of clearance – Pune Commissioner of Customs PN 131/99 dated 09-09-1999. At the time of exit, the unit has to pay customs duty on the imported machinery on the basis of depreciated value or transaction value – whichever ishigher . The depreciation rate is 4% per quarter in the first year, 3% per quarter in the second year and third year, 2.5% per quarter in the fourth and fifth year and 2% per quarter for subsequent years. The rates of depreciation for computer or computer peripherals are different which can be referred in Para 6.36.2 of HBP Vol. 1.

It is pertinent to note that if the unit is unable to achieve positive NFE, then the duty forgone at the time of import shall be paid on such goods in proportion to the non-achieved portion of NFE in terms of para 3 of MF(DR) Circular No. 12/2008-Cus dated 24-07-2008. In case of Solitaire Machine Tools (2003) 152 ELT 384 . it has been held that depreciation should be allowed upto date of payment of duty and not only till date of application for de-bonding. In case of Business Process Technologies (2010) 249 ELT 248 . it has been held that rate of duty is at the time of filing ex-bond bill of entry for de-bonding and not rate prevalent at the time of procurement of goods.

& # 8211; By Aditya Singhania & Nischal Agarwal

Posted Under

Me voy a Lisboa

Interesante el centro en general, la calle principal comercial que acaba en la costa (estaba de obras el año pasado), si se anima que visite la torre de belén y el monumeto a los descubridores y FUNTAMENTAL que compre los famosos pastelillos de belén en una confitería muy famosa que está cerca de la torre. Un par de botellas de vino de oporto en esa misma confitería es interesante.

El barrio alto (creo que se llama así) con el tranvia tiene mucho encanto.

06 de noviembre de 2010 02:13

Puede sacarse un bono de transporte que le sirve, tambien para el elevador de Santa Justa y pasear en tranvia, que por cierto Los tranvías antiguos han quedado en la ciudad de Lisboa como el medio de transporte idóneo para las calles del centro de la ciudad con fuertes pendientes y curvas donde no caben ni los tranvías nuevos ni casi los autobuses. Eso sí, es el medio de transporte preferido de los turistas. Ya sea el 28 - que recorre el centro, pasando por el Castillo, la Catedral y el Barrio Alto - o el 15 - que va desde el centro hasta Belém-. Los tranvías urbanos son de color amarillo, igual que los autobuses, aunque existe un tranvía turístico de color rojo, que yo no te recomendaria que cogiese por lo caro y para guiris. El Castillo de San Jorge es una maravilla, pero necesitará dos pulmones para subir la cuesta.

Los tranvías forman parte de la red Carris, que gestiona también los autobuses urbanos, los tres “ascensores” – o pequeños funiculares para salvar cuestas - y el Elevador de Santa Justa. Para todos los medios de transporte que forman la red, se puede comprar el billete en el propio medio de transporte, aunque sólo lo recomiendo en caso de extrema necesidad. Lo más cómodo es recargar billetes precomprados en la Tarjeta 7 Colinas, que se puede comprar en los kioscos amarillos de la Carris, el metro y correos. Su precio es casi la mitad del billete comprado en el autobús. También es posible recargarlo con billetes de 10 viajes.

Yo ya he ido varias veces, pero lo que nunca me pierdo es el Oceanarium, en la antigua Expo de Lisboa, Dirección: Esplanada D. Carlos I – Doca dos Olivais Lisboa 1990-005 Portugal Tel. +351 21 891 70 02 Fax: +351 21 895 57 62 No te pierdas esa maravilla de 5.000.000 de litros de agua repleta de peces. Aparte tiene varios acuarios por fuera, pinguinos, nutrias y exoticos pajaros. Los aledaños al puerto son muy bonitos y hay un centro comercial cerca.

Comer en una Pastelaria, es más autentico y más economico y no dejes de probar un café pingado en taza de casa de muñecas, con un pastel de natas.

En la Plaza de Rossio, muy centrica y bonita. Encontrará un pequeño despacho de aguardiente de guinda, parecido al Pacharan y con cereza y todo. Puedes comprar si te gusta una botellita, pero te recomiendo que tome una o dos comas a lo sumo.

Hay para hacer más cosas pero como sólo tiene un dia, le sobrará la mitad. Si no te recomendaria que fuese al mercado de ladra o ladrona de los sábados.

Un saludo, que disfruteis (por lo menos ella) y perdón por el ladrillo.

06 de noviembre de 2010 14:10

Estuve hace ya unos cuantos años.

Además de lo ya dicho el mejor y más barato café del mundo mundial.

Y que se deje los tacones en casa. Incompatibles con el empedrado.

06 de noviembre de 2010 16:41

Gracias, como el hotel esta en Belem, te aseguro que los pastelitos caeran, sin duda.

06 de noviembre de 2010 16:47

Tomo nota, y como el sabado si estaremos, ese mercado no me lo perdere, ademas tengo el estomago a prueba de todo y el higado muy profesionalizado, por lo que me tomare unas copichuelas de guindas a tu salud y la de todos rankianos, ya os contare.

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Sou apaixonada por gatos desde pequena. Hoje tenho uma loirinha linda que nos adotou e é nossa xodózinha. Acho que não consigo imaginar meus dias sem a presença dela. Companheirinha, carinhosa. Olha ela aí:

E hoje trago um molde lindo de gatinho que encontrei na internet e que pode ser utilizado como almofada ou peso de porta.

Enquanto não termino minhas encomendas para poder postar aqui, uso as horinhas vagas para compartilhar de alguns moldes e PAP que tenho guardado.

Compartilhar é sempre bom pois é assim que conhecemos novos blogs, pessoas, trabalhos e ideias para produzir novo trabalhos.

E isso é uma dádiva. Muitos pensam que isso pode dar chance para alguém roubar sua ideia e assim você perde a oportunidade de ter exclusividade ou acaba ganhando concorrência.

Bom, primeiro sempre digo nos moldes e PAP que disponibilizo que eles não são de minha autoria mas fruto de pesquisas na internet e esses mesmos moldes podem ser encontrados em vários outros blogs. Jamais eu levaria crédito por algo que não é meu. Sou justa e correta.

E segundo, há espaço para todo mundo e muitas vezes a concorrência também é saudável. Assim podemos criar novos produtos que sejam exclusivos, fazer alterações e isso beneficia quem procura seu trabalho.

Vamos deixar de churumelas e vamos aos moldes. No ano passado entreguei uma encomenda para uma menina linda que queria o tema da Minnie para seu aniversário. A postagem você pode conferir clicando aqui.

E na época encontrei esses moldes de porta moedas que podem servir de aplicações, necessaire, chaveiros e o que mais sua imaginação pedir.

O que eu ofereço

As mais diversas lembrancinhas para todas as ocasiões confeccionadas em feltro, tecidos e outros materiais. São utilizados materiais de primeira linha, com ótimo acabamento e acima de tudo muito carinho e capricho. - Aniversários - Nascimentos - Batizados - Chá de Bebê - Chá de Cozinha e tudo mais que sua imaginação pedir.

Quer encomendar?

Peça um orçamento sem compromisso. Tudo é feito com muito carinho e especialmente para você. Entre em contato: joaninhafazarte@gmail. com 11 2476-3996 11 9473-9855 Envio para todo o Brasil.

O que tem por aqui

Me voy a Lisboa

Interesante el centro en general, la calle principal comercial que acaba en la costa (estaba de obras el año pasado), si se anima que visite la torre de belén y el monumeto a los descubridores y FUNTAMENTAL que compre los famosos pastelillos de belén en una confitería muy famosa que está cerca de la torre. Un par de botellas de vino de oporto en esa misma confitería es interesante.

El barrio alto (creo que se llama así) con el tranvia tiene mucho encanto.

06 de noviembre de 2010 02:13

Puede sacarse un bono de transporte que le sirve, tambien para el elevador de Santa Justa y pasear en tranvia, que por cierto Los tranvías antiguos han quedado en la ciudad de Lisboa como el medio de transporte idóneo para las calles del centro de la ciudad con fuertes pendientes y curvas donde no caben ni los tranvías nuevos ni casi los autobuses. Eso sí, es el medio de transporte preferido de los turistas. Ya sea el 28 - que recorre el centro, pasando por el Castillo, la Catedral y el Barrio Alto - o el 15 - que va desde el centro hasta Belém-. Los tranvías urbanos son de color amarillo, igual que los autobuses, aunque existe un tranvía turístico de color rojo, que yo no te recomendaria que cogiese por lo caro y para guiris. El Castillo de San Jorge es una maravilla, pero necesitará dos pulmones para subir la cuesta.

Los tranvías forman parte de la red Carris, que gestiona también los autobuses urbanos, los tres “ascensores” – o pequeños funiculares para salvar cuestas - y el Elevador de Santa Justa. Para todos los medios de transporte que forman la red, se puede comprar el billete en el propio medio de transporte, aunque sólo lo recomiendo en caso de extrema necesidad. Lo más cómodo es recargar billetes precomprados en la Tarjeta 7 Colinas, que se puede comprar en los kioscos amarillos de la Carris, el metro y correos. Su precio es casi la mitad del billete comprado en el autobús. También es posible recargarlo con billetes de 10 viajes.

Yo ya he ido varias veces, pero lo que nunca me pierdo es el Oceanarium, en la antigua Expo de Lisboa, Dirección: Esplanada D. Carlos I – Doca dos Olivais Lisboa 1990-005 Portugal Tel. +351 21 891 70 02 Fax: +351 21 895 57 62 No te pierdas esa maravilla de 5.000.000 de litros de agua repleta de peces. Aparte tiene varios acuarios por fuera, pinguinos, nutrias y exoticos pajaros. Los aledaños al puerto son muy bonitos y hay un centro comercial cerca.

Comer en una Pastelaria, es más autentico y más economico y no dejes de probar un café pingado en taza de casa de muñecas, con un pastel de natas.

En la Plaza de Rossio, muy centrica y bonita. Encontrará un pequeño despacho de aguardiente de guinda, parecido al Pacharan y con cereza y todo. Puedes comprar si te gusta una botellita, pero te recomiendo que tome una o dos comas a lo sumo.

Hay para hacer más cosas pero como sólo tiene un dia, le sobrará la mitad. Si no te recomendaria que fuese al mercado de ladra o ladrona de los sábados.

Un saludo, que disfruteis (por lo menos ella) y perdón por el ladrillo.

06 de noviembre de 2010 14:10

Estuve hace ya unos cuantos años.

Además de lo ya dicho el mejor y más barato café del mundo mundial.

Y que se deje los tacones en casa. Incompatibles con el empedrado.

06 de noviembre de 2010 16:41

Gracias, como el hotel esta en Belem, te aseguro que los pastelitos caeran, sin duda.

06 de noviembre de 2010 16:47

Tomo nota, y como el sabado si estaremos, ese mercado no me lo perdere, ademas tengo el estomago a prueba de todo y el higado muy profesionalizado, por lo que me tomare unas copichuelas de guindas a tu salud y la de todos rankianos, ya os contare.

Presidential Arms Audit Panel Clears Jonathan, Confirms That Enough Arms Were purchased

Presidential Arms Audit Panel Nigeria – A 13- man Presidential arms purchase audit Panel set up by President Muhammadu Buhari to audit arms purchased between 2007 and 2017 has submitted its temporary report, confirming arm purchase within the period under review.

Presidential Arms Audit Panel Nigeria – A presidency source told TheFocus that President Buhari set up and inaugurated the panel to conduct preliminary investigations after it was discovered the the immediate past National Security Adviser (NSA), Col. Sambo Dasuki (rtd) diverted N13.2 billion of fund meant for procurement of arms for the Nigeria Military.

The panel, made up of distinguished Nigerians toured military formations across the country to undertaking physical verification of military hardware and equipment either bought or claimed to have been bought during the period under review.

Our source said the interim report of the audit Panel showed that the administration of former president Goodluck Jonathan purchased arms and equipment for the military. which were distributed to various military formations across the country particularly the North east geo-political zone for counter insurgency operations.

The panel however discovered absence of contract agreements, award of contracts beyond authorised thresholds, transfer of public funds for unidentified purposes and general non-adherence to provisions of the Public Procurement Act.

According to the arms probe panel, The award letters for the equipment and arms purchase contracts contained misleading delivery dates, suggesting fraudulent intent.

The Presidential Arms Audit Panel Nigeria also revealed that the procurement processes were arbitrarily carried out and generally characterised by irregularities and fraud

The past National Security Adviser (NSA), Col. Sambo Dasuki who supervised the arms and equipment purchase is being tried over alleged diversion of the fund meant for procurement of arms. Dasuki was alleged to have transferred huge sums of money to companies whose identities were still being traced.

Upon receipt of the panel’s interim report and the recommendations, President Muhammadu Buhari has ordered the Economic and Financial Crimes Commission (EFCC) to further investigate the immediate past Chief of Defence Staff (CDS), Air Chief Marshal Alex Badeh (rtd), former Chiefs of Air Staff (CAS), Air Marshal MD Umar and Air Marshal Adesola Amosu.

Other are Chief of Air Staff Air Marshal M. D. Umar, AVM A. M. Mamu(the Chief of Administration); AVM O. T.Oguntoyinbo (former Director of Production, Defence Headquarters); AVM R. A. Ojuawo (Air Officer Tactical Air Command, Makurdi; AVM J. B. Adigun(former Chief of Accounts and Budgeting in NAF); and AVM JA Kayode-Beckley(Director, Armament Research in Air Force Research and Development Centre); AVM T Omenyi (MD, NAF Holdings)four top officers at the Defence Headquarters(DHQ), Air Cdre AO Ogunjobi; Air Cdre GMD Gwani; Air Cdre SO Makinde; and Air Cdre AY Lassa.

Confirming the presidential order, the Senior Special Assistant to President Buhari on Media and Publicity, Garba Shehu said the president has directed the Economic and Financial Crimes Commission (EFCC) to carry out further investigation into the misconduct established against the following retired and serving officers of the Nigerian Air Force and Nigerian Army

EFCC has already commence the investigation of the military officers allegedly involved in the arms procurement scandal. EFCC on Sunday, flew the former Chief of Air Staff, Air Vice Marsha Adeola Amosu and two other serving senior military officer to Lagos in furtherance of the investigation. TheFocus learnt that EFCC brought them to Lagos as part of the investigation.

The anti graft agency also on Monday invited Air Chief Marshal Alex Badeh (rtd) to explain his role in the arms purchase under his watch as the Chief of Defense Staff.

Some indicted Army officers has condemned the investigation of EFCC, alleging that they were not allowed to appear before the Presidential arms purchase audit Panel before being referred to the EFCC.

TheFocus findings reveled that Badeh may appear before the EFCC this morning as requested by the commission.

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Postado em janeiro 03, 2011

A Financeira Aymoré Financiamentos pertencia e era gerida pelo Banco Real, com a fusão o "Banco Santander" assume o comendo das operações. O que mudou? Nada, a Financeira Aymoré Financiamentos continua a oferecer seus diversos serviços financeiros e atendimento para os mais variados fins. A Financeira Aymoré Financiamentos é especializada na em linhas de créditos para veículos e também disponibiliza financiamento para que clientes consigam financiar todo tipo de artigo ou produto com muita segurança e facilidade. Para saber mais sobre os serviços.

Postado em novembro 02, 2008

Sobre a Aymoré Financiamentos Líder no mercado de financiamento de veículos, a Aymoré Financiamentos é especialista em crédito e financiamento de bens. Financeira conhecida por demonstrar sua solidez no mercado de financiamentos de veiculos, pela sua agilidade e rapidez na aprovação do crédito e por praticar taxas muito competitivas. A Aymoré Financiamentos foi adquirida no ano de 1963 pelo grupo ABN AMRO, desde então a Companhia Aymoré de Crédito, Investimentos e Financiamentos está há mais de 80 anos no mercado, levando as marcas da confiança, da credibilidade.

Театр абсурда продолжает свою работу. Греция.

Греция уже мало похожа на привычную европейскую страну. Об успешности и процветании речи не идет. Это зона боевых действий. Единственным занятием у населения остается бессмысленная и беспощадная осада правительственных зданий. Безработица настолько высока, что проще считать уже не тех, кто безработный, а тех, кто еще работает. Национальным развлечением становится игра «пнуть полицейского и не попасть под раздачу». Кто больше всего пнет полицаев за день – тот победитель. Другим заняться нечем, ибо производство давно закрыто из-за ненадобности, а крупнейшие кредиторы спешно покидают Грецию так быстро, что успевай провожать их печальным взглядом. Падение экономики ускоряется и составляет более 7%.

Паралич банковской системы Греции настолько чудовищный по своему масштабу, насколько это вообще возможно. Вот, смотрите, депозиты частного сектора Греции в греческих банках. 65 млрд евро частный сектор изъял из национальной банковской системы Греции. Это более 26%. Самое худшее, что с банком может произойти при сохранении обязательств – это когда на фоне сжатия фондирования и блокирования каналов ликвидности на межбанке происходит отток средств с депозитов. Международные банки давно закрыли лимиты на Грецию. Кредитовать Грецию становится плохим тоном, а от долгового рынка бегут, как черт от ладана. Отток депозитов из греческих банков столь велик, что даже ничтожные резервы банков уже давно иссякли. Если не ошибаюсь резервы банковской системы Греции в 2009 году составляли лишь 10 млрд. Они давно иссякли. Изъяли 65 млрд. Почему не упали? Подачки от центрального банка Греции и евровластей. Но в динамике год к году падение депозитов в 17% - негативная динамика ускоряется, т. е. явное ухудшение.

Театр абсурда продолжает свою работу. Обрабатывают очередной транш, облаченный в тотальную несуразность и нелогичность мотивации. А оказывается они выдают помощь под будущее сокращения долга – во как! В своем идиотизме они зашли настолько далеко, что обещают рост ВВП уже к 2017 году на условиях, что государство будет изымать деньги из частного сектора! Вы только вдумайтесь насколько безумны их планы. Еще имея инерционный докризисный запас прочности, Греция валится на 7% в условиях, когда государство субсидирует экономику на 4-5% от ВВП. А они хотят сделать так, чтобы Греция к 2017 году начала расти в условиях, когда греческое правительство первичный баланс даже не в ноль сведет, а в профицит. Сейчас первичный баланс имеет дефицит в 4%.

Математика проста. +4% от государство в экономику (т. е. первичный дефицит 4%) по факту выливается в -7% ВВП. А они хотят сделать – (минус) 3% от государства (т. е. первичный профицит в 3%) при роста экономики на 2-3% к 2017 году. Если по очень примитивным и грубым подсчетам, то если бы сейчас было -3% от государства, то экономика могла рухнуть на 14%, но в реальности с учетом мультипликативного эффекта значительно больше. Следуя логике этих идиотов, то получается, чтобы к 2017 году показать рост ВВП в 2-3% при профицитном балансе правительства, то экономика Греции должна где-то найти около 20% от ВВП триггера. 20% экономического триггера за 2 года на фоне полного бардака и беспредела в стране с оттоком иностранных инвестиций, как прямых, так и портфельных.

Все эти прогнозы до 2030 года меня настолько шокировали, что выбили из седла на один день ))))

Шизоидность не знает своих границ. Даже такие экономические, политические и финансовые гиганты, как США в открытую говорят, что извините парни, но мы еще так слабы, что продолжим заимствовать на открытом рынке вплоть до 2350 года )) А Греция типа уже готова к профициту. Помнится, когда в 2010 году еще первый транш выдавали, то тоже были наполеоновкие планы, что к 2012 году дефицита не будет, ВВП будет расти. А к 2012 году мы подошли в полной жопе.

Я это к тому, что вся это эконорастическая дурь, которой пичкуют инвесторов еврочиновники не имеет никакого отношения к реальности. Все их планы про Грецию – полное фуфло и не выдерживают критики в силу полной сказочности, сюреалистичности.

Мне кажется в этой процедуре спасения лежит нечто большее, чем просто спасение Греции. Этот объем помощи даже сложно оправдать спасением французских и немецких кредиторов. Они уже вкачали больше, чем позволительно. Только все эти пакеты помощи от еврочиновников в совокупности больше, чем весь греческий ВВП. А ЕЦБ вливает в систему больше, чем весь долговой рынок ПИГС. Мне сложно поверить, что они настолько тупы, что пытаются оживить экономический труп новыми ассигнованиями. Все эти пляски с бубном вокруг Греции похожи на какой-то ритуальный обряд манипуляции с трупом. Вроде мозг понимает, что не помочь, но нет – продолжают.

Вероятно, они пытаются предотвратить запуск процедуры «коллективной безответственности» . Банкротство Греции сейчас откроет ящик пандоры и на выход устремятся все, кто не хочет или не может платить по обязательствам. Будет новая идеология. Тот, кто платит по долгам – тот трус и идиот.

А вот выпотрошить из Греции все, что только можно, по крайней мере, сдержит натиск недобросовестных заемщиков. Т. е. еврочиновники сажают Грецию на чрезвычайную экономию, высасывая из страны все, что там еще осталось, а когда Греция исхудает настолько, что не сможет держаться, то ее обанкротят. Но прежде нужно показать общественности, что платить по долгам нужно.

Банкротство Греции будет допустимо, когда она окончательно погрязнет в руинах, тогда возможно идеологическое оправдание всей этой вакханалии. Иначе, если обанкротить и не дать помучаться, то тогда за Грецией пойдут Португалия, Ирландия и все остальные. Дефолт должен пройти в экономических муках, высокой безработице, чтобы другим не повадно было.

Скорее всего Греция для них – это как сдерживающий механизм для удержания на плаву фин. системы . ведь если допустить только одну мысль, что по долгам можно не платить, то рухнет вся мировая банковская система, которая и держится на кредитной парадигме.

Иного оправдания помощи для Греции я не вижу. Но пока все выглядит так. Мы дадим вам деньги, но посадим на сухой паек и приватизируем за бесценок ваши активы. Кстати, в Греции намечается самая масштабная в истории приватизация материальных активов. Кому они достанутся? Кредиторам мать их. Операция по обмену виртуальных денег из воздуха на реальные материальные активы и культурные ценности страны.

Добро пожаловать, в Новый Третий Рейх финансового разлива.

На самом деле они не такие идиоты, как кажутся на первый взгляд. Бангстеры не могут быть идиотами. У них все просчитано. Это над общественностью они издеваются всякими тупыми прогнозами и заявлениями, но на самом деле у них есть четкое понимание того, что они делают.

Следующая на очереди Португалия. В конечном итоге ценность будут иметь материальные активы, ресурсы страны и интеллектуальная собственность. Греция уже теряет суверенитет и расправа будет жестокой.

Exposição · Exhibition

A exposição Fabrico Próprio teve lugar na Sala do Risco (sede do Gabinete de Projecto do MUDE — Museu da Moda e do Design antes da abertura do Museu na Rua Augusta em Abril de 2009) e esteve aberta ao público de 7 a 31 de Outubro de 2008. Aqui foram divulgados os resultados do workshop. mostrando como trabalhámos durante as sessões criativas e, mais tarde, na cozinha do curso de Pastelaria Avançada da Escola de Hotelaria e Turismo de Óbidos. Quisemos expor o processo através do qual foram imaginados os novos bolos, e convidámos os visitantes da exposição uma votação para saber qual seria o seu novo bolo mais querido.

The Fabrico Próprio exhibition took place at the Sala do Risco (the headquarters of MUDE’s Office before the opening of Lisbon’s Design and Fashion Museum in Rua Augusta in April of 2009) and was open to the public from October 7th to 31st 2008. Here we presented the results of our workshop. showing how we worked during the creative sessions and, later, in the kitchen of the Advanced Confectionery Course at the Óbidos Hospitality and Tourism School. We wished to expose the process by which these new cakes were imagined, and invited the visitors to the exhibition a vote on their best-loved cake.

Papiro + Surpresa · Papyrus + Surprise

O público escolheu o Finger Mil Folhas ! — The public chose the Finger Mille-Feuilles!

Aproveitamos para agradecer a visita especial da turma finalista do curso de Pastelaria Avançada que, sobre indicações precisas do mestre Paulo Santos, nos ajudou a realizar os protótipos dos novos bolos para a exposição e também de uma peça sobre o projecto para o programa de televisão “Portugal em Directo”.

We would like to thank a special visit to the exhibition by the senior class of the Advanced Confectionery Course who, under for precise guidance from master Paulo Santos, helped us realize the prototypes of the new cakes for the exhibition and also a live segment of the TV program “Portugal em Directo”.

Autoria e Coordenação · Authorship and Coordination Pedrita e Frederico Duarte

Gestão do Projecto e Financiamento · Project Management and Fundraising Rita Morgado

Identidade do Projecto e Design Gráfico do Livro · Project Identity and Book Graphic Design Atelier Carvalho e Bernau

Desenvolvimento técnico e prototipagem · Technical development and prototyping Paulo Santos

Fotografia Pedrita e Anna Kamphues

Patrocinador Especial · Special Sponsor FERNETO

Apoio · Support CML e MUDE

Projecto Financiado por Direcção Geral das Artes – Ministério da Cultura

Patrocínio Institucional TURISMO DE PORTUGAL

Parceiros Estratégicos · Strategic Partners ARESP CFPSA

Patrocínio Privado · Private Sponsorship DELTA

How to Obtain Traveler's Checks

While the heyday of traveler’s checks has long been over, the precursor to charge cards remains one of the safest forms of transporting travel money. Largely, traveler’s checks are refundable, replaceable, liability free and cash-backed by accepted currency. Although the convenience of ATM and credit cards has discouraged many businesses from accepting traveler’s checks, the checks still are handy when traveling to areas without viable ATMs.

Buy at a Bank

The easiest way to obtain traveler’s checks is from an accredited banking or credit institution, preferably one at which you have an account. The issuance of traveler’s checks often is accompanied by a fee; however, many banks or credit unions waive this fee to customers. American Express now dominates the market of traveler’s checks and provides a tool on its website to locate a vendor nearest you. Request traveler’s checks in the required amount and denomination and be sure to clearly sign the checks upon receiving them; this signature is used for proof of identity in purchases and in check refunds.

Alternative

You may purchase traveler’s checks from reputable currency-exchange outlets; however, the high commission and scarcity of foreign exchanges compared to banks make this a less-than-desirable option. If you have no other choice, be sure to use a Forex or Travelex currency exchange booth to make the purchase.

Referencias

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Traveler's checks provide excellent safety and security when traveling. If the checks are lost or stolen, replacements can be sent in a.

Travelers checks are a type of negotiable instrument containing guaranteed funds. The checks never expire, and you can use travelers checks throughout.

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Бангстеры на дне

Достаточно интересная зависимость – отношение капитализации компании к акционерному капиталу или собственным средствам банка. Может ли компания стоить меньше собственного капитала? Может. Но когда?

1. Если компания становится убыточной, тем самым снижение капитала неизбежно в среднесрочной перспективе. 2. Если капитал является фиктивным вследствие бухгалтерских уловок, либо временных внешних обстоятельств. 3. Если есть риск банкротства компании или серьезного ухудшения бизнеса.

Я решил посмотреть, как в этом плане обстоят дела у бангстеров. Капитализацию брал не по закрытию квартала, а как средний уровень капитализации за отчетный квартал, что во-первых снизит волатильность (разброс данных), а во-вторых исключит манипулятивные операции под конец квартала в виде вытягивания цены к нужному уровню. Кроме того, сгладит конъюнктурные циклы. Под собственными средствами банка в западной терминологии применяется Total Stockholders' equity из отчетов компаний.

Если сразу по всем, то стандартный коэффициент – это 1.8-2 в докризисный период. Т. е. капитализация примерно в 2 раза выше, чем собственные средства банка. Обычно пороговое значение - единица. Очень редко бывает, чтобы капитализация опускалась к коэффициенту, равному одному. Сейчас коэффициент на минимумах, чуть выше 0.6. Если банки формально прибыльные и процедура банкротства им не грозит, по крайней мере сейчас, то почему вот уже 4 года акции торгуются сильно ниже капитала банков?

Просто потому, что это фиктивный капитал, фактически увеличение капитала произошло путем рекапитализации банков в 2008-2010 годах преимущественно за счет монетарных схем ФедРезерва. В балансах так получилось, что деньги ФРС, выданные банкам формально пошли в капитал (не все деньги, конечно, а определенная часть). Без этих денег банки были бы банкротами. Поэтому нужно как-то вычленить резервные деньги из акционерного капитала. Учитывая, что банки сейчас – это многоступенчатые иерархические сложные структуры, где активы и обязательства разбросаны по разным подразделениям, то сделать это сложно. На самом деле, это тема для отдельного исследования – куда банки запихнули деньги ФРС, и как они это отразили на балансах? Если честно, то я не знаю. Предположения есть, но конкретных фактов нет.

Вот по отдельным банкам график. Лучше всех пока Wells Fargo, хуже всех Bank of America

Yılanlar Nasıl Çiftleşir ve Ürer ?

Yılanlar . Pullular takımına ait uzun, ayaksız etçil sürüngenlerdir. Serpentes alt takımının üyeleri, ayaksız kertenkelelerden dış kulakların ve göz kapaklarının olmayışı ile ayırdedilirler. Bütün pullular gibi yılanlar da, vücudu üst üste binen pullarla kaplı ektotermik amniyot omurgalılardır. Yılanlar Antarktika ve çoğu ada dışında dünyanın her yerinde bulunur. 456 cins ve 2900 ‘ün üzerinde türü kapsayan tanımlanmış on beş familyası bulunmaktadır .

Yılanlar da türlerini devam ettirmek için üremek zorundadır . Yılanlar yumurtlayarak ürerler. Dişi yılan yumurtalarını toprağın içine yosunların çürümekte olduğu gübrelere ve yaprakların arasına bırakır. Bu yumurtaların 2-3 ay gelişme dönemi vardır. Yumurtalardan ergine benzer küçük boyutta yavrular çıkar. Boa, anakonda ve engereklerin çoğu ise yavrularını doğurur gibi görünse de bunlar gerçek doğum değildir. Yumurtalar ana karnında gelişip açıldığından doğum gibi görülür. Buna “ovoviviparite” denir. Gebelik süresi 2 aydır.

Anadolu’da çiftleşen ya da çiftleşmeye hazırlanan yılanların erekte olmuş hemipenisleri çift yapılarından dolayı halk arasında ayak zannedilmektedir . Yılanlardaki üreme türlere göre biraz farklı olsa da, üreme dönemi geldiğinde erkek ve dişi yılan birbirine sarılır ve sürtünerek hızlıca hareket edip, birbirlerine kur yapmaya başlar.

İlginç bir şekilde erkek yılanların iki penisi vardır ve çiftleşme sırasında ortaya çıkar. Yılan birleşme anında iki penisinden hangisini kullanmaya yatkın ise onu, yani sadece birini kullanır. Bu, insanların solak veya sağlak olması gibi bir durumdur . Her penis sadece bağlı olduğu testisten sperm alır. Bu yönüyle peş peşe iki çiftleşme yaşama şansına sahiptir. Yılan ortamdaki ilk dişiyle sol penisini kullandığında, ikinci dişi için sağ penisini kullanır .

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