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Gemstones a Promising Investment
Putting money in precious gems is not just for the wealthy.
Alternative Investments – Investing in Gemstones
Rarest and Most Expensive Gemstones Ever.Read Article
Animated comparison of a number of the foremost high-priced material (per kg) within the world and the way huge is stacks of cash you may ought to obtain that...
Extreme superb Casting Gold Melting method. In its purest kind, it's a bright, slightly ruby-red yellow, dense, soft, malleable, and ductile metal...
The global foreign exchange market is the biggest and leading financial market worldwide. The possibility to gain significant profits attracts traders and investors of all levels. Since accessibility in the market is quite easy, many forex traders quickly enter the market but also exit as soon as they have encountered some setbacks and losses.
The forex market is a very competitive environment; hence traders and investors need to have some strategies to prevent losses and remain ahead of the game. Below are some:
The market of foreign exchange has less oversight compared to others, so it is likely to wind up working with a less reputable broker. Fxtm, or ForexTime, is one of the fastest growing players and has quickly established a good reputation in the forex market. Its products and services provide a positive overall experience for its clients, whether newbies and seasoned forex traders. Apart from competitive spreads and outstanding customer support and service, the fxtm platform is quite easy to navigate as its user interface is remarkably comprehensible, responsive, and appealing to the eye. Check out fxtm to learn more.
Although it is easy to enter the forex market, this doesn't mean you disregard due diligence. Learning all you can and continuously updating yourself regarding the forex market is essential and fundamental to your success as a forex trader. Despite the fact that the greater part of forex trading wisdom is from live trading as well as experience, a forex trader must gain plenty of knowledge regarding the forex markets.
Most trading platforms have a practice account. These practice accounts are at times termed demo account or simulated account allowing forex traders to set hypothetical trades on an unfunded account. This allows traders to become skilled and more practiced at order-entry strategies, making it one of the best benefits of a practice account.
As soon as you open a forex account, you might get excited and be tempted to make use of every single tool for technical analysis provided by the forex trading platform. Although numerous of these indicators match the foreign exchange markets, it is vital to keep your analysis strategies at minimum to be more effective. For instance, making use of multiple indicators may yield redundant or opposing signals affecting your trading decisions. Also keep your charts clean by utilizing simple yet readable and easy to understand charts, fonts, colors, and he likes.
For you to learn from your losses and your success, it is wise to have your own forex trading journal where you record all of your forex trading activities including dates, profits, losses, and successes. It also good to record your performance as well as the emotions you experienced as these are all helpful for you to see success. Review your records periodically to stay away from the same errors and minimize losses.
You may have assumptions that top-dollar jewelry as well as gems are awesome investments. But that is not always the case. Gems that have lesser value usually appreciate more and at the same time, easier to liquidate. Many of the well-informed investors are actually choosing gems that are low to moderately priced. This is regardless if they have to långuiden sms lån artikkel to get funding for buying the gems.
Again, some investors have skill in buying and selling high-end, unusual or rare segments of precious gems and stones in the market. With all these thing said, you may be wondering that there is big profits waiting for you in this market. But the real question is, how are you going to make returns upon your investments?
However, just before we dive into the rules, it is important that you keep yourself mindful of the term investment grade. You may come across this a number of times in the industry but this has no clear meaning when it comes to gemstones. Likewise with the terms semi-precious and precious stones, it is so broad and has lots of exceptions. To give you an example, gems with excellent grades in all 4Cs might be beautiful and have higher price tag but, you might never be able to recover your costs in the event you tried to resell it.
Nevertheless, these gems are occasionally called as investment grade. As a matter of fact, the Federal Trade Commission or FTC of the United States frowns on the utilization of such term. Despite the fact that it isn't illegal to use it for advertising, it has been heavily abused by fraudsters that numerous consumers are cringing when they hear it.
But if you are really serious and decided to make money in gemstones, here are things to be remembered:
It is totally possible to generate money when you invest in gems. But, your cost basis in a particular gem needs to let you have enough room to build profits the day you acquired the stone. You need to have margin of safety. Paying the right price would be the single biggest determining factor whether you can generate handsome ROI or not.
Basically, you are going to need buyers who have the ability of selling your gems at a retail price. This way, they can somehow pay you in wholesale prices for the gems you have invested in. Likely buyers will include online auctions, auction houses and jewelry stores.
Try picturing yourself sitting patiently in a stream as you swirl your pan with water and diligently looking for gold and someday become rich. Believe it or not, America has a long history of gold mining since the 1850s. It isn't really surprising because up to this point, gold holds a valuable place in world's economy.
Back in earlier times, the luster and malleability of gold has led to its mainstream use of early coins and jewelry. Additionally, it's hard to mine and the harder something is to acquire, the greater the value it commands. As time goes by, people start using this precious metal as a mean of facilitating trade and at the same time, accumulate and store wealth. As a matter of fact, aside from engaging in FOREX trading in 2020, it is possible to trade precious metals too, which includes gold.
The truth is, the early paper currencies were supported by gold with each and every single bill printed corresponds to a certain amount of gold that's kept in vault somewhere where it can be exchanged. Basically, this approach lasted until the 20th century. These days though, modern currencies are majorly fiat currencies. Thus the link between paper money and gold has been discarded. On the other hand, this doesn't stop people from loving this precious yellow metal.
By far, the biggest demand for gold is jewelry. Believe it or not, this accounts for over 50 percent of demands for this material. The 40 percent is from doing direct physical investment in gold such as:
Bullion is actually a coin or gold bar stamped with the value of gold it carries and its purity. It is different compared to numismatic coins for these are collectibles that are being traded based on the demand for specific kind of coin compared to the content of gold it has.
Investors of physical gold do include central banks, individuals and just recently, ETFs or Exchange-Traded Funds that buy gold on behalf of other people. Gold is typically viewed as the safe-haven for doing investments. If paper money were to become worthless for whatever reason, the world's economy would fall back to something of great value in order to keep facilitating trade. This is among the reasons why investors keep pushing up the value of gold when there's a volatile financial market.
It's not been a dazzling year for the diamond industry: global demand for gemstones declined in 2019 in the first three quarters. This is shown by a current study by the management consultancy Bain & Company and the Antwerp World Diamond Center. Diamond jewelry is expected to decline in sales by around two percent throughout the year, while rough diamond business is likely to have slumped by around 25 percent.
The sector is particularly troubled by the trade dispute between the United States and China. The conflict unsettles the Americans and diminishes buying pleasure in the US market, which is important for diamond sales. In addition, fewer tourists from China came to the United States in 2019, and a new extra inch of the US-made Chinese jewelry more expensive by 15 percent.
In Europe too, political instability is putting pressure on the consumer climate. According to the study, Brexit and the ongoing demonstrations in France are the main reason for the falling demand for the precious stones.
The weakening diamond market is hurting mine operators. After the mining of rough diamonds reached a record high in 2017, the producers apparently couldn't get rid of their stones afterward. The unpleasant consequences in the past year were falling prices and falling profit margins. The mining companies now want to counteract this – and stir the drum. Marketing spending in the diamond sector reached a record high in 2019. In total, the producers invested around 200 million US dollars, around 183 million euros, in advertising measures. In addition, the production of rough diamonds has been reduced by around seven percent since 2017.
Despite the marketing offensive and the decline in funding, the study predicts a slow recovery for the diamond market in 2020. In the long term, however, the sector is beginning to stabilize. It is said that consumers see diamonds as a permanent investment, especially in uncertain times. Large producers such as Alrosa, De Beers, or Rio Tinto are therefore striving to keep the mining of rough diamonds stable in the long term. The statistics portal Statista also sees a long-term trend towards stabilizing production and also predicts a slight increase for 2020. According to this, around 157 million carats of rough diamonds will be mined this year.
While fiat currencies worldwide are taking a beating as a result of trade war between US and China, this has seriously impacted various economies especially in developed countries. It has alerted investors to seek for alternative investment options that are immune to vagaries of economic and geopolitical realities. In this regard, one solution that they have found is to use cryptocurrencies, especially Bitcoins.
But the burning question here is, should you consider investing in Bitcoins or stick with traditional stocks?
Talking about returns for crypto exchanges will significantly vary for there are a thousand types of it in addition to the most notable examples like Ethereum and Bitcoin. It is easy to invest in any of these coins.
Say that you have tried the first option, a way that you can do to grow your Bitcoin numbers is by trading it. Yes, there are various platforms that are designed for crypto trading and there are many tools that you can use to help you make successful trades and make money. You may want to compare trading bots here to reach financial independence.
This is why cryptocurrencies are deemed to be a form of alternative investment. These alternative investments are considered as non-correlated assets as its performance isn't affected by conventional assets similar to stocks and bonds.
However, when investing in Bitcoins or any cryptocurrency for that matter, you should not be putting more than 20 percent of your investment portfolio. After all, you don't want to risk it all, given that the movement of these coins is so unpredictable.s
If you think that both of the said coins are too mainstream and seeking something that is just about to blow up the market, then the following are only few of the options you may want to take into mind.
There are diverse and plentiful of ways on earning money. For instance, in today's modern world, investing in cryptocurrency is an option. Moreover, employing the use of crypto signals for real-time trade suggestions for a favorable trade as well as to ensure that loss is kept at minimum or at zero is an excellent option.
Money, prosperity and wealth could befall on us in various ways. However, we are frequently hesitant because of our self-limiting attitudes and beliefs as well an incorrect mindset.
At some point in our lives, we have been provided with some financial advice, such as saving up for retirement, cutting down or doing away with impulse buying, and making sensible investments. However, many have perhaps not been advised to make attune their energy to prosperity and wealth.
Crystals that radiate the energy of prosperity and abundance might just be the most unusual investment you would make. However, with these types of crystals, they open you up to self-confidently recognize, accept and embark on opportunities for wealth, prosperity and abundance. Once you manage your business or pursue your career with an optimistic outlook and attitude, wealth, prosperity and abundance will surely follow.
Crystals for prosperity, wealth, as well as success could deliver an energetic stratum of support as you work at your profession or investing or business efforts. Every single one of these crystals function distinctively to effect that success, wealth, prosperity and abundance you seek. Amalgamating these energies radiated by these stones with your own intent is the most effective way to obtain an abundant stream of wealth and prosperity.
With this in thought, below are some of the best stones to help attract wealth, prosperity and abundance in your life, whether it's about making sensible decisions on spending, getting rid of debt or generating more income.
Identified as "Fool's Gold," pyrite is a mineral that is brassy in color. However, in terms of manifesting abundance, there sure isn't anything foolish about it. Taken from the Greek term pyr which means fire, its cube-like formation perfectly reverberates the energy of gold to attract money. Moreover, aside from aiding you to shift towards a moneyed future, it also kindles vitality, courage as well as persistence which are excellent energies in a workplace.
Known as "The Luck Merchant's Stone," citrine is frequently linked with financial success especially in a business. It is said to be one of the crystals that is most powerful in drawing in money. It isn't only helpful in rising above obstacles to earning wealth, but also in keeping and sustaining this flow of money. In addition, this stone emboldens you to be more generous, as generosity could produce a loop of wealth benefiting not only you but others as well. Also, citrine will help you strengthen your intention of cleverly saving and spending money.
The Lucky Charm and Sovereign for Harmony, the healing and restorative energy of the green jade could remove limitations that are self-imposed, particularly those associated to feelings or attitudes of not being worthy or deserving enough to receive money or wealth. Green jade has been utilized by various cultures as a lucky charm, instead of getting wealth instantaneously, it enriches and prolongs your energy and concentration when working on realizing financial goals.
The following are other precious stones that you could research on to help you magnet wealth, prosperity, and abundance in your life:
For many years, cryptocurrency has not only been the topic of interest of many individuals as well of numerous trades and industries, but has also attracted a great deal of investors, especially when Bitcoin's value reached its highest value of almost $20,000 in 2017. Since then, many have searched for platforms for users to be able to securely send as well as receive cryptocurrency. Check out https://coinpunk.com/ for a browser-based bitcoin wallet software.
It is evident that may companies and industries have already incorporated cryprocurrenciy into their operations, whereas others have also launched their own cryptocoins. But, its adoption in the industry of gemstones and jewelries has been relatively sluggish. Regardless, precious gemstones remain to hold superb value up to this present day and is isn't volatile unlike cryptocurrency.
Rarity, hardness, and size are merely a few of the considerations that determine a value and worth of gemstones. These precious stones and minerals are carefully cut and polished by skilled artisans to bare its matchless color and beauty. A number of them are even considered extremely valuable that collectors and museums constantly search for such gemstones for an enormous amount of money. The rarer the gem, the greater the value it carries.
Below are a few of the most precious and expensive gemstones
First discovered in 1967 in northern Tanzania around the base of Mt. Kilimanjaro, it is a rare gemstone and its name Tanzanite is drawn from its where it was initially found. Tanzanite is blue-ish violet in color and is worth $1,200 for ever carat. It is said the supply of Tanzanite will come to an end in thirty years or so.
Because of its rarity, Taaffeite has not been heard of by and isn't familiar to majority of people. It is a million times more precious and atypical than diamonds and could only be found in Tanzania or Sri Lanka. Each carat of it values at $2,500. It was first found in 1945. It was perhaps found earlier however it was visually thought to be another kind of gemstone know as Spinel.
It is quite difficult to obtain demantoid garnet that is bigger than 2 carats as they are typically much smaller. Moreover, because of its size, they are barely ever cut unlike other gemstones. Demantoid Garnet was found in the mid-1800s in Russia and is valued at around $3,300 for every carat.
Padparadscha is a rare sapphire that is pink-orange in color and is found in some parts of Tanzania, Sri Lanka, and Madagascar. Because of its rarity, buyers will usually go for gemstones that are duller in colored with less clarity. Per cart of this sapphire is around $8,000, but will value more for stones with higher quality.
Alexandrite is scarcely found in Tanzania, Sri Lanka, India and Russia. This gemstone is nearly at all times discovered in one carat sizes even smaller and a carat of it is valued at $15,000. For rarer, bigger gemstones, one carat is priced at $70,000.
Jadeite is the purest and rarest of all the Jade gemstones. Usually green, Jadeite could colored red, black, as well as yellow. One carat is priced at a whopping $3 million. In 2017, a necklace with 27 Jadeite gemstones was sold at an auction more than $27 million.
A Blue Diamond is extremely rare that a single carat is worth $3.93 million. In 2016 in Geneva, Switzerland, The Oppenheimer Blue, a 14.62 carat Blue Diamond, was sold at an auction for $57.5 million. A blue diamond is worth $3.93 million per carat.
In today's century, it is important to work hard and earn money in order to yield great results- whether it is by way of asset creation, immovable property, land, buildings or establishments, or buying gold, and lastly investing in attractive stock options and mutual funds. All of these are great investments as long as you diversify your investments. Stocks and mutual funds are proven great place to put your money in to. But buying golds and gemstones are still a debatable issue nowadays because there are people who just buy it for temporary happiness even though they cannot afford it. As a result, their credit history becomes negative. Hence, they look for great post to read on wholesale tradelines since tradelines are becoming more in demand these days.
Gemstones are believed to be a great way of squeezing a large pile of cash into the most compact asset that can even be put in your wallet or pocket, a kind of asset whose value has only increased going by the historical data.
Even though diamonds are being sold very well in the market, and become a popular investment position, gemstones that are colored are not that popular but they are pack in more punch than sparkly diamonds. Say, for example, an unheated Burmese Ruby of 8.62 carats sold for $3.62 million at Christie's in 2006 and set a new world record price for an unheated Burma ruby at $420,000 per carat.
Is Investing in Gemstone really great option?
There are a lot of options when it comes to investing. But if you have tried most of the options and you are thinking of ways to invest your money and you are having second thoughts whether to buy gems, then just keep on reading. You need to know that a gemstone that is at least above 2 carats of weight is a contender for the investment category and must command a market value of over $3000. It must have the unique and rarity factor soundly addressed in order to be able to ensure great return of investment over a short period of time.
Gemstones are indeed very attractive investment option if you are the type of person who is really in to a finer things. In some cases, it appears to be the best choice especially when tremors in any of the areas such as stocks and mutual funds give you jitters.
One thing to look in to why gemstones are still considered as precious investment is that it is not that easy to make it usually takes years before it is made.
According to current estimates, sales of diamond jewelry decreased by 2 percent in 2019. Rough diamond sales could have dropped as much as 25 percent.
The global diamond business is losing momentum, according to the industry report "The Global Diamond Industry 2019", which the consulting firm Bain & Company publishes together with the Antwerp World Diamond Center (AWDC). However, after the industry has recently shown recovery from its long stagnation phase, demand for diamonds declined again in the first three quarters of 2019, the report said.
According to the study, in 2019, there had been a 2% decline in worldwide sales of diamond jewelry. Rough diamond sales could even have dropped by up to 25 percent.
The markets in the USA and China are particularly important in this context. These are of great importance for the diamond industry and both the USA (- 2%) and China (-5%) are said to have declined. The report cites the 15 percent additional duty levied on Chinese jewelry in September 2019 as one possible reason for the decline in sales in the United States.
According to the report, the mine operators have mined a record number of rough diamonds in anticipation of a boom in 2017:
According to Bain, the current problems are likely to continue to weigh on the industry in 2020, but the consulting firm expects an upward trend in the long term.
According to Merkel, one reason for the upward trend is that the industry players have increased their advertising budgets significantly. According to this, the mining companies are said to have spent the record amount of around $ 200 million on campaigns in 2019.
If stocks fared badly, bonds and gold would be worth more, the stock market rule said. But now everything seems to be going in the ram. So many debts have been made, people opt for a personal loan because everybody seems to need cash in this pandemic. Even companies and investors seem to halt the flow of money because cash is an utmost need during these trying times.
Gold used to be a safe haven. Virtual coins like bitcoin were called gold 2.0. And when people fled from stocks, they fled into bonds. Now everything seems to collapse at the same time. People sell shares, but they don't put it elsewhere. It seems as if they put it en masse under the mattress or hide it in an old sock. Cash is king.
Nothing is less true. Investors and companies need cash to absorb the blows of the corona crisis. Now that entire parts of the economy have locked down, corporate earnings are falling, such as airline ticket revenues or hotel reservations. 'Companies rely heavily on banks' credit lines because they do have to pay salaries.
Many investors have taken positions through leveraged products to make quick profits. The gold price is not determined by the supply and demand on the gold market itself, but by gold futures (gold forward contracts). Investors must close en masse positions in those markets to meet the margin requirements – the banks demand additional funding when prices fall. The whole market has changed. The ten-year search for yield has become a search for liquidity, 'says Benink. And so all values sink far away.
Oil prices fell below $ 50 for the first time in 3 years. Precious metals have been also impacted by the sell-off in financial trading markets.
The market tension brought on by the coronavirus has driven the commodity market into the abyss. Since the closing of 2018, Brent crude oil prices have fallen below $ 50 (approximately 159 liters) for the very first time. Oil prices fell about 14% last week, the biggest drop since 2011.
Prices for other commodities that depend on it periodically, including copper, aluminum as well as zinc, are also dropping. Compared to the start of the year, the cost of 1 ton of copper has decreased by about 11%. Even precious metals, which are regarded as the currency of the crisis, have been unable to stay away from the damage caused by the recent panic in the commodity market.
See other stocktrades in the Canadian market at Stock Trades Canada.
Friday's gold price was $ 1,585, down 4% per ounce. At the same time, prices fell by 6% and palladium fell by over 12%. "Buy gold if market sentiment turns negative, sell gold when the market falls," said Robeco's multi-asset leader market strategist and asset manager Jeroen Blokland.
Indications of such submission are everywhere. The most crucial German stock market measure fell nearly 13% a week ago. U.S. stocks trade had been decreasing every week. In the current crisis, only long-term government bonds could offer a safe haven.
The Federal Reserve Launched launched a new service for foreign (central) banks
The Federal Reserve has a new service. A temporary credit facility that allows central banks with accounts with the Fed Reserve to change their holdings of US government bonds into dollars. It is the Federal Reserve's latest offer to ease tensions in global markets. The program will allow foreign central banks and other international monetary authorities to enter into a loan agreement called a repo transaction, in which borrowers temporarily convert their US government bonds into US dollars.
In 2019 we saw some incredible events passing by, leaving the world in confusion. What can we look forward to in the new year and the coming decade? Here is a summary of global developments per continent so that we know what to expect in global economic growth.
Europe's economy is being put to the test this year, but will nevertheless experience growth. Strong economic and labor market growth in Central and Eastern European countries will compensate for poor economic growth in Germany and Italy. Trade agreements with Japan, among others, will give the economy a boost, but the continuing uncertainty about the Brexit and the American tolls on European steel and aluminum are causing an economic deterioration.
Germany is expected to have economic growth of 0.5% and Italy even only 0.1% in 2020. Both countries do not intend to take drastic measures, as there is still growth and no economic growth crisis. Other Western European countries all have economic growth of between 1 and 2% in 2020. Economic growth in Central and Eastern European countries is expected to be above 2% and in some countries even around 3.5%, but due to conflicts between some Central and Eastern European countries, increasing international restrictions, aging population and ending financial support and plans, economic growth is uncertain.
The countries of this region will also maintain strong ties with countries around the world in 2020, but external factors can put the international economic relations of the countries to the test. The entire continent will grow, but there will be major differences between countries.
The United States will have a 1.9% growth in 2020, which is a clear decrease from 2.6% in 2019. This is partly due to a contraction in the labor market and consumption, but also due to weakening in investments and on the financial market. The persistent tensions between the United States and China are also bad for trade and also push the US dollar to high values on foreign markets.
Canada has an economic growth of 1.7% in 2020, which is a small decline compared to 2019. The main cause is the weak energy sector in Canada, but on the other hand, Canada has also concluded a good trade agreement with Europe regarding trade with. On the contrary, it makes Europe cheaper because there are hardly any taxes on export and import products.
Mexico does take a step forward in economic growth compared to 2019 and goes from 0.9% growth to 1.9% growth. The increasing problems in the energy sector had a negative impact on the economy in recent years, as did the continuing political tensions. In spite of that, the Mexican government has achieved its objectives of 2019 and according to the World Bank, this is causing a growth in the economy.
The Caribbean has the largest growth of this region with an average of 4.1% in 2020, but regional growth can be hampered by high unemployment, sovereign debt, little financial support and the high vulnerability to environmental and weather-related problems. just like the ongoing political tensions. In spite of that, the Mexican government has achieved its objectives of 2019 and according to the World Bank, this is causing a growth in the economy. The Caribbean has the largest growth of this region with an average of 4.1% in 2020, but regional growth can be hampered by high unemployment, sovereign debt, little financial support and the high vulnerability to environmental and weather-related problems.
Asia is entering a strong economic period but may have to cope with a few blows with the possible Brexit, the United States-China tensions and constantly changing capital flows. Asia is still expected to have the largest economic growth on the continents despite shrinking in recent years.
In the past year, the economy has mainly shrunk regionally due to external and internal disputes, such as trade tensions between the United States and China. Imports in several regions have increased while exports have contracted.
In the Pacific region, economies are based on strong consumption and investment. That is why economic growth in this region will be supported by increasing cooperation between the various countries in the economic field and digitally. Regional trade agreements will play an important, central role in this. China will have 6.1% economic growth in 2020 according to the World Bank, but this growth will depend on developments in trade tensions with the United States.
These tensions could not only negatively affect China, but the entire global economic market. South Asia will shrink in terms of international trade and development, but economic growth will still be 7% in 2020. Southeast Asia will have an increase in imports in 2020 due to good financial conditions, increasing capital and low inflation. The growth of this region will be around 5.3% according to the World Bank. The Brexit is a major threat to the economic growth of South Asia and Southeast Asia, as these countries often have strong ties with the United Kingdom. Just as in recent years, the Pan-Asia region has experienced stable growth of 2.8%.
Major economic growth is expected in Central and South America in 2020. Financial security through agreements and laws is still central, also because of the high government debts. Furthermore, the market must become more open to trade and investment by foreign companies. Despite these steps, economic growth will be 2.5% for the region. The poor economic growth of 2019 was mainly due to challenging conditions and temporary factors.
Brazil, the largest economy in South America, had declining economic figures for 20 weeks in 2019 due to political uncertainties, and only after they had been resolved did the economy pick up again, but further adjustments are needed to maintain an economy to have growth. Chile, Colombia, and Peru will all have a growth of around 4% in 2020, but then all three must be able to continue the developments they are going through. Argentina and Venezuela will not be experiencing economic growth in 2020, because the governments of both countries have not yet got their debt under control and have not taken any clear steps to get it done.
A large amount of political and geopolitical tensions in the Middle East create dangers for people, but also for the economy. Oil production and export is what this region relies on most in its economic growth, but is also very dependent on fluctuating oil prices. Despite these uncertainties, the World Bank estimates economic growth at around 3.2%. Also because a large number of countries in the region have invested heavily in infrastructure in recent years, there is an increase in non-oil related activities, which in turn generate income.
But nevertheless, the countries also suffer from worldwide tensions, such as between Iran and the United States. Iran suffered a loss in 2019 because the United States had imposed sanctions, but also due to poor oil exports and spending cuts. This loss will be converted in 2020 into a small profit of 0.9% according to the World Bank. Just like this year, Iraq will experience the largest economic growth of the region in 2020, mainly due to the increase in oil production, but also due to benefits in the non-oil related sectors. Saudi Arabia and Dubai have two major global events in 2020 – Expo 2020 and G20 Summit – that will boost their economies for that year but possibly also for the years to come. Syria and the surrounding countries will continue to suffer from the ongoing war that anger in Syria and Syria is also unlikely to have economic growth in 2020. The countries located in North Africa, such as Egypt, will have a major economic growth of 5.8% due to developments in the tourism sector and an improvement in infrastructure.
In Africa, economic growth is mainly concentrated in the urban parts of the countries, with the benefits not passing on to the rural areas of Africa. The growth in Africa depends on its economic diversity, modernization, and good raw material prices during the year. There may also be dangers in the debts that some public authorities have.
The economic growth is in all likelihood around 3.3% according to the World Bank. Here, growth is dependent on the recovery of oil production from major producers, increased investor confidence and strong growth in non-commodity intensive sectors. Many of these factors were a reason for poor economic growth in 2019, but the uncertainty surrounding the United States-China trade, low commodity prices, high borrowing costs, drought, persistent poverty and uncertainty in national security were other factors affecting the economy in Africa deteriorated.
Examples of economic growth and opportunities can be found in recent years from the continent's three largest economies – Angola, Nigeria, and South Africa. Angola has experienced good economic growth since 2016, in addition to focusing on its oil sector, also developing in other sectors. On the other hand, Nigeria is still very dependent on their oil production, and because this production was very low last year, there was high unemployment, terrorist threats, and corruption, economic growth was not very good, but not as bad as that of South Africa. The persistent problems in that country led to low economic growth in 2019.
Many of us experience situations where there are unexpected expenses and you don't have an emergency fund like in cases of car accidents. Car crash due to accident demands a lot of expenses from medical to litigation expenses, not to mention car repair and others. While there is an obvious settlement from personal injury from which auto accident loans are derived, there are still immediate expenses that are uncalled for.
Situations like this require you to have fast cash. Pawning valuable items like your precious gems is one way to get fast cash. Yes, you can easily get cash by pawning your valuables, such as laptops, cellphones or Precious Gems. If you pay attention to the environment around where you live in the last few years, you will find many pawnshops in every corner of the street. Here are considerations to look at before heading to the nearest pawn shop near you.
Security. Since you are pawning acceptable valuable items, trust only pawnshops that had been trusted for decades. Security should be highly regarded whether in terms of the privacy of your personal data (which means it should not be shared with other parties) as well as ensuring the security of your pawned goods. Of course, you do not want to lose the goods you pawned, then make sure the credibility of the pawnshop. If you are willing to lose the item, then sell it, no need to pawn.
Note the Terms and Conditions that apply. Every financial institution, certainly requires formal requirements, namely identity cards or we are familiar with KTP. Next, of course, the goods to be mortgaged. If you are pawning gold or Precious Metals, pay attention to the letters and the physical. Likewise, if you pawn BPKB, pay attention to the letters and the physical condition of your vehicle, because it will be examined. If you are pawning electronic goods, of course, the condition of electronic goods is a concern, whether it works or not. As a non-bank financial institution, the pawnshop will not accept problem items or do not have complete paperwork.
Mortgage Fees. Each pawnshop has its own policy. A pawn system is a lease system, so when referring to a state-owned pawnshop, the pawnshop will charge a rental fee or deposit fee per 15 days, with a maturity of 120 days and can be extended. If late from maturity, of course, have a fine fee. Every time you make a pawn, then you will be charged Administrative costs. The amount of administration fee depends on the nominal you pawned. The greater the loan you take, the administrative fees charged will also increase.
Estimated Value. Each pawnshop applies an estimated value and an acceptable loan of 80% – 85% of the estimated value. For example, if you pawn the Starting Metal and the pawn place gives an estimated value of $1,000, the value of the loan that can be given to you is around $800. This term is important for you to understand, so as not to be disappointed if the loan value that you want is not reached because this is the system that applies in a Pawnshop.
How long will the goods be mortgaged? No one knows how long the item was pawned. Of course, there are separate reasons why you are mortgaging goods. So most of you know how long the item is mortgaged is yourself. What needs to be a special note for you is, because the pawnshop is practical and does not require a long time for disbursement, do not be complacent and underestimate, let alone due up to 4 months or 120 days.
Ensure that you make regular payments to decrease the amount of your loan. The amount of installments you must pay attention to, that is, a maximum of 30% of your income. What happens a lot is, you feel the maturity is still long and in the end postpone to prepare sufficient funds when due later.
Investors purchase gold for many reasons. It could be for a hedge, for security, or an immediate investment. What actually are the best reasons to invest in Gold? Studies affirm that gold is a better hedge from a crashing stock market.
Hedges are actually assets that counteract deficits within another asset category. Various investors purchase gold to hedge from the drop of a currency exchange, generally the U.S. dollar. When a currency declines, it produces excessive rates in imports and so as inflation. Consequently, gold is likewise a security from inflation.
To illustrate, the cost of gold doubled (or even more) between the years 2002 and 2007. Right from $347.20 and $833.75 an oz.. That is since the dollar's worth as assessed next to the euro dropped 40% in that exact time. Watch the video below by Ben Felix about Investing in Gold
The stock market is always like a turbulence. But, most people are still enjoying to invest sports memorabilia or other hundred dollars worth of possessions in this Sturm and Drang market. Yet, there are other means to invest. This may not demand for hundred bucks storage facilities.
However, you must have a clear mindset of the things that you are doing. Know and learn the basics about investing and even computations of how much you can invest and the value of your returns. In some cases like equity loans, there are calculators such as the free equity release calculator uk which can help you to compute for the value.
In terms of gemstones investment, you can also do so. Just seek the help of a pro and you can also ask for the free calculator or computation. And, of course, you need more patience once you get there. Moreover, engaging yourself to invest may give you definite advantages.
This investment tool can sustain you with inflation in case you are seeking for a unique type of market liability.
And this distinct way has an intrinsic value like gold and silver and also gems. Gemstones which include emerald, diamonds and sapphires also have their genuine worth. And it is also amazingly attractive and in demand as always.
Is it worth to invest on gemstones? In case you want to continue investing on it, you must have to consider and learn this things first.
Primarily, investing on gemstones may lead you to this method. It is to buy stock in a related company of industry like the mining.
The rate of inflation is typically the average rate of return in terms of gemstones investment. However, there are times that this return may shoot up quickly due to particular piece's historical value or some changes in mining. Example, there are depletion of mines, then the stone's value are more worthy.
The value of diamond is definitely different with the value of gold. With gold, you can get the cash on your hands in case there is a sure buyer. But, in terms of diamond, it is not the same as it is. Alternatively, the value of diamond is identified through various factors. This may include its quality and the amount that the buyer must be willing to pay for.
Investing on gemstones can be tricky especially if you are just a novice buyer. You must to identify the real one versus the fake one. Check and verify the quality of each diamonds. Doing so may basically depends on the level of your knowledge about it. That's why you need an expert that can assists you on it.
Looking for quick access to finance your business and thinking that an online loan would help you do it? If you are planning to get a title loan in CA online to help launch your business, then there are a number of things that have to be taken into consideration. So before applying your loan application online, make sure that you've done your homework.
In this article, we will be discussing the red flags that must not be taken for granted when in search for an online lender.
When you are doing comparison of lenders over the web, it is vital that you thoroughly review the cost as well as terms of the loan. Remember that every lender won't show the terms and cost in the same manner. It's all up to you in laying out your options.
As much as possible, try to see the bigger picture here; the amount you'll be paying for the life of your loan. In an effort to provide assistance in uncovering the true cost and also terms of loans online, make sure that you have answers to the questions below:
One of the best ways that can be done in comparing loans online is by calculating the APR or the Annual Percentage Rate for every loan.
Remember, you will be giving your personal data online to someone you don't know. It only makes sense that the website has thorough protection systems and bank level encryption.
When you are making transactions online, regardless of what it is, there's one thing that you have to guarantee, the safety should not be compromised.
So take time to be certain that the site has valid URL address and carries security certificate. If the website address seems suspicious or has no signs of security certification or badge, then it's a red flag you definitely should not disregard.
If there's one question that jewelers get all the time, it is about the financing options for diamond engagement rings. Not everyone has the ability to pay cash on a very expensive diamond ring so many jewelers came up with many interesting refinancing options to help people out in all situations.
The most popular is financing tied with a bank. The most popular is the Wells Fargo financing that offers 12-month interest-free financing. And sometimes the institution can offer up to 15 months. This gives a buyer the chance to space out payments and you don't have to pay a dime for an interest. Wells Fargo jewelry financing is offered to top-level FICO scores. So if you generally have good credit and that you are able to prove that you have been doing really well lately, you can get quick approval.
If you don't have the highest level credit score, the second option would be the Help Card. They offer six-month interest-free financing. It's not quite as good as Wells Fargo but they generally target and accept people with low FICO scores. Help Card gets a good number of borrowers who were turned down by Wells Fargo.
If you don't have a good credit standing or if you generally have had issues with past student loans that made a great impact on your credit standing, there are still options for you. Many jewelers also tied up with financing that requires no credit check options which is a great offer for those who have bad credit or no credit at all. This could be a 90-day same as cash option (no downpayment) and the IGW (6 months interest-free but requires downpayment).
The latest financing option that you can get is PayPal credit. They offer six-month interest-free financing through PayPal. This is a super convenient way to pay for your diamond ring. Many of us already have a PayPal account from which PayPal credit can be made available to you. For more information about PayPal Credit, you can always browse through their website for the information you need.
This type of financing is not based on FICO scores at all and rather than interest-free offers, what they do is they pay or they charge a five-dollar fee for every five hundred dollars that you borrow. Therefore, they just charge a simple flat-rate fee instead of an interest for the amount that you borrowed. They also have low minimum payments. For more information about Future Pay, you can check out their website for all the information you need.
Most jewelers today offer one or all of the financing options listed above. Make sure to check with your choice of jeweler what financing options they have for you and your circumstance. You may also want to check out Merchant Cash Advance Financing Options | Fora Financial. Check to see if they have the right offer for your financing needs.
There are several reasons as to why individuals decide on getting a loan. Most usually, individuals get loans to consolidate their standing debts as a way of attempting to lessen their debt level and/or to become free of debt more quickly. For instance, accident loans, such as by American Pride Auto Accident Loans, aid clients to pull through and get back on track prior to the finalization of their case. Accident loans are ingenious financial tools that get individuals the money they need immediately.
Perhaps you require a certain amount of extra cash to pay some bills, and necessitate the use of collateral to take out a secure loan, maybe a business opportunity has opened up that you desire to venture into but lack the funds needed to start, or probably you simply require a short-term collateral loan to keep afloat for the succeeding few months. So what could you utilize as loan collateral?
Aside from utilizing real estate, automobiles, machinery and equipment, insurance policies, and investments as loan collateral, you could also make use of your valuables and collectibles, such as gem stones. In terms of gemstones, majority of individuals think of sapphires, rubies and emeralds, but gemologists have identified thousands of exceptional, stunning, and costly colored stones across the globe. Here are a few common and rare gemstones that certain lenders accept as collateral:
Any loose diamonds could be a terrific collateral. Of course, smaller stones that are under .50 ct would make it more difficult to obtain a loan on compared to stones sizing more than a carat. It would also help if the stone would have a grading certificate. This lets your lender to match your grading with their gemologist's grading and assessment.
If the lender or loan shop has skilled staff, they will willingly take precious colored gemstones of different cuts as collateral. Similar to diamonds, it would help having grading certificates that a gemologist could parallel with to simplify the process of giving maximum value of loan that you could get for the gemstone.
Jade is a magnificent mineral that is typically a bold opaque green, though it could also be in pink, lavender, black and white in color. Frequently jade is mistaken with nephrite, this gemstone was one time regarded as more prized than silver and gold. Jade that is of high quality could sell for over $10,000 for every carat.
Padparadscha Sapphire is a superb sapphire that is characterized by its unique color. Typically, this type of sapphire is a bright shade between pink and orange. Padaparadscha that is natural and untreated could fetch incredible prices. For instance, in 2011 the rare sapphire sold for $52,960 per carat. This was the highest price of per carat this gemstone has seen.
There are many financing alternatives for small businesses, from start-up financing to building corporate credit (bedrijfskrediet), this includes financing for jewelry stores. However, not all financing products are a good fit for the jeweler. Let's take a look at commercial loans available to people in the jewelry business.
A line of credit is a form of financing generally based on the personal credit of the jeweler. This type of financing option requires credit standing of 680 at a minimum. No personal lines should also be maxed out. Non secured line of credit are in general utilized only as a working capital that is ideal for start-up businesses.
Lines of credit and bank loans are the most reasonable form of jeweler financing. Bank loans could be utilized for just about any business purpose. This includes buying a jewelry store business, refinancing debts, and acquiring working capital, as well as other operational use.
A very good type of funding for jewelry stores that had been denied by banks is non-bank lenders or specialized lending institutions. These lending institutions have lower credit specifications, along with simplified paperwork requirements compared to a traditional loan provider. However, the ease of financing has its equivalent costs in the form of higher interest rates.
Cash advances are short-term types of financing and are only useful for working capital reasons (ideal for jewelry businesses that requires immediate funding). Merchant cash advances are one-time funding which entails the jewelry store business to sell a part of their future earnings to the funding company. Following financing from the funding company, as part of the bargain, the jeweler will have to split a part of the sales with the funder (it could be monthly, weekly, or daily) right until the cash advance had been fully paid.
There many types of funding accessible to new and existing businesses in the jewelry store industry. The real key in getting the right funding is to fully understand all of the options and work with the right lender to customize the loan to your needs. For jewelry store owners, the first step is to assess your needs and talk to a financial adviser near you to provide you with loan options that suit your needs.
It is believed that Diamonds are one of the most valuable precious stones in the world, but the reason is not because it is rare because there are other stones like emerald, rubies, and sapphires that rarer in nature compared to diamonds. However, nearly colorlesss diamonds can top prices of $10,000 per carat because demand for them has been carefully cultivated and supply is tightly controlled. De Beers is the world's largest diamond company and it controls the sales of nearly 90% of all diamonds mined each year. They spend nearly $200 million on advertising and make a point of always producing slightly fewer stones than are desired to ensure a strong market for their product.
Just like what has been mentioned in the earlier part of article, diamonds are one of the most valuable materials a person can have which is why a lot of people are into diamond earrings, rings, and necklaces. There are diamond lovers who are even willing to apply for a loan through http://forbrukslån.com just to buy their favorite diamonds. You may wonder how is that possible because some banks or companies offer loans for a certain item only such as car or house. But that is not the the case in Consumer Loans. They give the benefit of dividing costumer loans on different items. However, the downside of this is when people failed to budget properly and unable to payoff debt.
There are a few interesting gemstones that are so rare, so lovely, and so desired that they are worth more than diamonds per carat.
1. Musgravite
This gemstone is kind of mysterious, smoky gray gem that can have green or violet undertones. Although it was discovered in Australia in 1967, samples suitable for cutting into faceted gemstones were not found until 1993. In the year 2005, there were only 8 known specimen, unlike today where a lot of countries have discovered deposits.
2. Alexandrite
Discovered in Russia in the 1830s and named after the tsar, alexandrite is a fascinating gem that appears green in natural light and red in artificial light. It also changes colors when viewed from different angles, displaying different greens, oranges, or purple-reds. Today alexandrites have been found in other locations.
3. Grandidierite
Rare animal species can be found in Madagascar and it has contributed a unique gem to the world at the same time. Grandidierite is a rare gem that ranges from blue-green to green and can have a translucent or pearly appearance
When buying or selling gems like these it is important to have a proper documentation that shows the quality of and appraised value of the stone.
Investing in coins is a better investment option than investing in jewelry. Its value does not depreciate but rather appreciates over time.
Investing in gold coins is better because you don't have to pay changes that have occurred when designing the jewelry.
The making of jewelry actually costs a lot and it is not included in the computation at the time of purchase.
The value of gold coins on resale is higher than jewelry because they are considered pure and higher quality.
There is no sentimental value attached to it therefore resell is faster and quicker.
Are you decided on investing in gold coins? Do your research first in order to determine which gold coins are far worth investing.
It's human nature to pursuit money and work hard for it. Regardless if it is by means of immovable property, land, buying gold, investing in mutual funds or stock options or any other form of asset creation.
For quite some time, gemstones have been the preferred way to make chunks of cash into a compact asset that could be brought in your palms. This is a veritable asset in which value shoots up depending on the history it carries. The historical values that colored gemstones have only mean that its worth will increase at staggering figures. While we all know that diamonds are marketed well enough and a popular investment option, colored gemstones can easily steal its spot.
You may say that… "Wait what? They are not even that popular. How does it happen?" Whether you believe it or not, they packed more value than those diamonds and its "per carat" sale value overshadows the more popular material tenfold.
Let me give you an example, unheated Burmese Ruby that has 8.62 carats was sold easily for 3.62 million dollars in 2006 at Christie's. If we're going to look at it, the unheated Burma Ruby was sold at 420,000 dollars per carat, setting a new world record.
This is the same reason why many people are not afraid to go to Zebra Loans, a NZ loan lender to apply for a loan and use it as an investment for these precious stones. After all, it is easier to pay the amount on a monthly basis than procuring the need price at once.
Gemstone with at least 2 carats and above is a pleasing contender for investment category. This can set a market value north of 3000 dollars. It certainly carries a rarity factor guaranteeing handsome returns. These precious stones are attractive investment option especially among aesthete who is after the taste of finer and luxurious things – more so if it will be examined by a connoisseur.
It looks as the ideal option particularly when there are movements in areas like:
If you are afraid of its sudden and unexpected movements, then migrating to gemstone investments may just be a smart idea. These stones are product of nature and took hundreds and millions of years for it to form its beautiful shape. It's not like engineered making its rarity, durability, incredibility and uniqueness worth millions.
If you want to make sensible investments these days, you will have to consider looking at the market. You have to look into commodities and find out what's offered. It is vital that you be smart as to what you select and be sure that you are making secure investments. The most important point is to try to detect what the ideal choice is to obtain the best ROI (return on investment) possible. So, you will need to consider the more popular and profitable investment choices.
When it comes to improving your portfolio, you must look into commodities. Gold and oil are two of the most known investor choices throughout the world. Investors often invest in both. However, you need to determine which one you decide to invest in. In order to get this done is to figure out which is a better investment option. So let's take a look at both investment choices further.
These days, almost everything depends on oil. We require oil to make the entire society work, so there will always be a huge demand for oil. As a result, it is a good choice for investment. It is essential to understand the current flow of supply and demand in the market. You need to consider investments that can eventually make you huge profits in the future. According to sources like wot trading, Oil prices have risen sharply over the past decade, and the same may happen again in the future.
One of the benefits of choosing oil as investments is that you can benefit from tax reductions. Look into the tax benefits that your investment in oil may bring. You will find there are many info about this from the internet. The US government has plenty of tax benefits offered to motivate companies and even individuals to make investments in oil. Do a little research so you can determine what exactly they are. Don't lose out on even more savings because you have not done the required basic work and research.
The primary issue with oil is that the market is constantly changing. And there are too many world factors that can make an adverse effect on the oil market. And you must be mindful of what all these challenges are and just how they impact the industry. The constant rise and fall of the oil market make oil investment high-risk mainly because you cannot always be certain of how the market will perform.
What makes gold a popular investment? You need to know how people look at gold. Gold can be considered a symbol of luxury and status. Gold investments will improve and enhance your profile. People will think that you are an investor-worthy of serious treatment and a person comfortable with the luxury market. You could be surprised at the opportunities that gold investment can offer you. Therefore, give thought to how luxurious the concept of gold investment is compared to oil investment. That's why you should seriously consider investing in gold rather than oil.
Investing in gold could be the biggest decision you could ever make. However, it can ultimately bring a huge return on investment. And this is exactly what investors are on the lookout for. You can make various safe investments that provide good earnings. Yet not many are as rewarding as gold. The value of gold is anticipated to rise by about 200% and may rise to as much as 400-500%! When you reach that point, gold can be very profitable.
Among the main advantages of choosing gold over oil is that there exists a lot of oil across the world. The hydraulic fracturing program opens up opportunities for more oil. This means that the return on investment in oil has become far lower compared to what it was in the past. Which means if you have to choose between oil and gold investment, you ought to choose gold if you are looking into a better return on investment.
If you are just starting to trade and you are a little confused on which commodity stock or futures to invest on, you will always have to at how the market is constantly changing. Economic and social ıssues has a major part in this market price fluctuations. Nonetheless, you must understand that this is often a risk prior to making investments. It may be obvious that currently, gold is most likely the best choice when it comes to investing. The ROI is great, the market is absolutely not as unpredictable as oil, and gold is an asset at the same time. So, should you be planning to strengthen and broaden your investment stock portfolio, then gold is unquestionably the best addition to your investment.
Diamond engagement rings have deeply carved into our culture's tradition. If you are about to make a proposal to the love of your life but has not enough money to pay for one, don't fret. There's a simple solution to that actually. Visit Need Money Now on how you can get loans to buy for that highly valued diamond and make her a true princess.
But why is that so? Is it due to the reason that we like them that much or is it because we're just told to like it? As mentioned before, the tradition for engagement ring has become apparent only in past centuries.
This makes a lot of people to question why diamonds are that expensive and what made them so valuable? On the other hand, we have investigated for the probable causes as well as the myths that are surrounding this so-called precious stone. As you read on, you are going to discover the real reason why they are quite expensive.
Fact: Diamonds aren't rare. Truth is, if you try comparing it to other gemstones, they're the most common type of precious stone you'll find. In general, the cost per carat or the weight of a particular gemstone is based on its rarity. Needless to say, the rarer the stone, the more expensive the material is. Having said that, emeralds, rubies as well as sapphires are rare and far more valuable than diamonds.
Fact: While this isn't either entirely right or wrong, the carat weight or size of the diamond is the major factor that is used in computing the value of a diamond. There is actually the 4Cs that are affecting this and these are the Color, Clarity, Carat and Cut.
Collectively, they are using to determine how much the diamond should be priced.
There's no single characteristic that outshines the other. All these four are contributing and influencing the final market value of this precious stone.
Fact: You will hear a lot of mining companies stating that there's scarce supply of diamond, which is the reason for the increase of its price. While it's true that there are short supplies of diamonds that are fancy colored such as rose pink or yellow, experts are estimating that colorful diamonds would deplete but not for another decade. White diamonds on the other hand aren't at risk of depletion. Historically speaking, diamonds are difficult to find. However, there are increasing number of mines opening to reveal more diamond supplies.


text:
Phone: (281) 727-1700
Degrees and Certifications:
Ms. Higgins
Hi, my name is Brooklyn Higgins, and this is my third year at Massey, and my second year as a full-time teacher. I have lived in the Pearland area most of my life graduating from Manvel High School in 2013, before moving to Pearland, I lived in Lake Jackson, Texas with majority of my family. I graduated from Texas State University with honors in 2017. I truly have a passion for education and doing everything I can to ensure every child reaches their highest potential. I believe that 3rd grade is a year full of growth and I am more than excited to experience it with our students.
A few things about me…
- I LOVE football! (Go Texans!!!)
- The Houston rodeo is my favorite time of the year!
- I love the outdoors and spend a lot of time doing outside activities.
- I love watching movies and going to new restaurants!

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Advancing our health: prevention in the 2020s - our summary
In July 2019, the Department of Health and Social Care (DHSC) published their prevention green paper, building on the Secretary of State's prevention vision that was announced in November 2018. The paper contains a number of proposals to tackle the causes of preventable ill health in the England. He...
Body mass index (BMI) chart
The BMI centile is a simple and reliable indicator of a healthy body weight in childhood. Where severe overweight or underweight is a concern, or where there is a need for monitoring weight over time, BMI can be calculated and plotted on this chart.
Chatterbox game on five ways of healthy wellbeing
Based on the classic children's game, this game provides 'Facts vs Myths' surrounding the subject of mental health, which can enable a teacher/healthcare professional to facilitate a discussion regarding this issue.
Childhood Obesity Inquiry – consultation response
In 2018 we responded to the Health and Social Care Committee Childhood obesity inquiry. We welcome the continued emphasis and scrutiny on childhood obesity and recommend further coordinated and innovative action.
Doctor's pocketbook for talking to young patients about mental health
Developed by our summer intern Papia (age 17) in 2016, this tool shows young people's expectations for consultations with their doctors.
Emoji card game
This game enables a young person to pick the cards that best represent how they are feeling, prompt them to discuss the topic and find out more information.
Ending the sale of energy drinks to children - consultation response
In 2018 we responded to the Department of Health and Social Care consultation on ending the sale of energy drinks to children as part of the 'Childhood obesity: a plan for action'. We support a ban on the sale of energy drinks to children and young people.
Energy drinks inquiry – consultation response
In 2018 we responded to the Science and Technology Committee's inquiry into energy drinks. We welcome the increased scrutiny on food and beverages that have low or no nutritional or therapeutic value, contain potentially harmful ingredients and are heavily marketed to children and young people.
Healthy early years - consultation response
In 2018 the RCPCH responded to the London Assembly Health Committee call for evidence on healthy early years. While the RCPCH welcomes this increased focused and scrutiny on the early years, it is important to also recognise the need for a life course approach as there are many opportunities through...
Healthy food and drink in childcare settings in Wales – consultation response
In 2018 we responded to the Welsh Government's consultation on draft guidance to support healthy food and drink provision in regulated childcare settings. We welcome evidence-based guidelines that address the well-recognised problems of childhood obesity and tooth decay.


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Movement + Medicine
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July 25 - Root
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Jean Edrada is the founder of Movement and Medicine. Serving and impacting communities across different ages, backgrounds and cultures in Chicagoland, the Bay area and Los Angeles for 10+ years, Jean understands the importance of a resilient body, mind and spirit. Her mission is to create safe and supportive opportunities to explore one's own internal world and how we relate to and move through a complex and complicated external world. She envisions a world in which people of different colors, shapes, sizes, abilities, challenges, conditions and expressions of life have equitable access to resources and spaces for healing. Jean believes in an embodied spiritual practice and strives to empower the individual on their journey to the Highest Self.


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text: Thank you to everyone who attended Mimi Bergman's "Leading with the Heart, Global Women's Summit." In case you missed the event, the talk is online at YouTube (18 min). Please download a pdf of my presentation "Empowering Female Voices in the Entertainment Industry" (Dropbox) and a template spreadsheet for METHOD Screenwriting (Google Drive Sheets). Please keep in touch, and let us know how it works for you!


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Describe the relationship between Mama and Walter in A Raisin in the Sun.
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Mama is from the generation that has worked to make a better life for the next generation. Mr. Younger's life has been marked by arduous toil; his death and the $10,000 insurance money provides his promise of affording his children a better life. Nevertheless, Mama wants to be prudent in dispensing with this hard-earned money, and she does not easily agree with other members of the family on how it should be spent. Walter Lee, who works as a chauffeur, dreams of being an entrepreneur; he desires are in the direction of owning his own business, specifically a liquor store; moreover, he is selfish in his expectations that Mama should primarily consider his goals.
In Act I, Walter Lee knows that his practical mother will not want to give him the insurance money for his business plans, so he suggests to his wife that she
...just sip your coffee, see, and say easy like you been thinking 'bout that deal Walter Lee so interested in, 'bout the store and all, and sip more coffee, like what you...
(The entire section contains 667 words.)
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Qa qc new zealand global export traceability product line processing bovine serum is manufactured from blood source collected from prime new zealand cattle aged between 12-36 months, but typically less than 24 months all lots are processed and...Details
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Difference between qa and qc posted on october 13, 2011 february 24, 2016 by jimecalfa as weve talked in a previous post about the definition of quality, with these 2 terms exist the same issue where every single personorganization defines quality assur...Details
Qa and qc are both part of quality management and these are the powerful techniques which can be used to ensure that the deliverables are of high quality and meet expectations of the customers when we talk about software testing, it falls in the domain o...Details
2020-3-13the following is an example of a quality assurance quality control qaqc plan for continuous emissions monitoring systems or cems this qaqc plan meets the minimum requirements of the indiana state rule 326 iac 3-5-4 standard operating procedures...Details
2020-1-7qa reviewertitle i have reviewed this submittal and verify that the above information is correct and accurate and in compliance with the gdot inroads survey data processing guidelines and gdot automated survey manual...Details
Our client, a global ep operating company, is currently looking for a geophysicist - seismic processing qaqc to join their team in houston, tx on a one-year contract basis working 2...Details
100 image qa from paper in the most demanding environments, performing qa on each and every page may be required using this technique, an operator views each page and compares it to the scanned image this is usually done in a batch processing environme...Details
Enigma cortical quality control protocol 20 april 2017 the original enigma cortical qc protocol was updated in april 2017 while it does not create a departure from the former process and results, it will increase the ease of qc assessment thus, the qc...Details
Coolearths inspec qa-qc software will allow your organization to automate your quality assurance data collection quality control quality integrity...Details
2018-11-274 10 introduction this document contains the technical write-up of the lidar campaign, including system calibration techniques, and the collection, post-processing, and qaqc practices of the lidar data...Details
Search 50 merchant processing jobs now available in montral, qc on indeedcom, the worlds largest job site...Details
Mlas is one of the leading project support companies in nigeria for the provision of manpower support, rope access, qa qc and special services to the oil and gas, petrochemicals, energy, mining, construction, telecommunication, manufacturing, processing a...Details
Visual inspection of parenteral products part 3 defect prevention vs removal qa vs qc ccs of isolator application for aseptic processing based on second draft of eu gmp annex 1 brief analysis on blow-fill-seal bfs and its applications tofflon max...Details
Project qaqc support project qaqc support is to supply suitably qualified personnel with various disciplines to form a qaqc team and execute quality related duties in lieu of the clients contractors, vendors, or manufacturersthis is cost-effective for...Details
The ppm global process plant commissioning qa and qc services use qa qc systems which enables a smooth transition from the construction phase through to the handover of a steady state operational plant to our clients talk to us today how ppm global can a...Details
Updated bora takes on 400 staff and 50 products with gsk facility 11-mar-2020 by ben hargreaves bora announces that it will purchase gsks canadian facility, in a...Details
2020-3-21observe qaqc activities at the site handle lifting of all equipment as well as materials and ensure efficient storage of all materials and conduct quality audits as required make sure work at the site and materials being used are complaint with t...Details
2001-12-11qaqc and risk management 2 quality control cover two topics general principles of quality assurance qa pertaining to a comprehensive approach or system for ensuring product quality quality control qc pertaining to an action or step designe...Details
2020-3-9the average salary for a quality assurance qa quality control qc inspector in australia is au60,978 visit payscale to research quality assurance qa quality control qc inspector...Details
2017-11-9having a qaqc plan can assist in meeting these requirements very easily qa is the process that ensures that prudent quality control measures have been established, and the desired quality in a deliverable or service is achieved qcrefers to the...Details
The entire qaqc procedure is usually lengthy and covers everything from sample handling at all levels of exploration and processing as well as defined protocols for insertion of standardsblanks and duplicates companies are required to keep portions of al...Details
2020-3-22i have written the qualifications of a qaqc engineer in the earlier post click here actually there are few more but for me, they are the best qualifications of all here, now i will write down the duties and responsibilities i performed in my da...Details
2020-3-22what is quality assurance quality assurance qa is defined as an activity to ensure that an organization is providing the best possible product or service to customers qa focuses on improving the processes to deliver quality products to the custo...Details


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Regardless of budget, you can find the room to suit your needs on ViaMichelin. Europe weather: find free weather forecasts for any country and city in Europe with weather outlooks, temperatures, wind speed and humidity figures. First, the city, a particularly energy-intensive environment with the numerous stops that can mean. Wir lieben den Geruch nach geschmortem Braten und herzhaftem Gemüse. In preparation or on the road, for everyday journeys and the holidays, ViaMichelin, through its expertise and know-how, accompanies you to offer peace of mind and the pleasure of discovery.Next
Es handelt sich um eine Ranch, die einige Kilometer außerhalb von New Hazelton liegt. If in doubt, please check your vehicle service manual. ViaMichelin can provide a detailed cost for your journey: fuel costs adapted to your vehicle and toll costs throughout Europe. Chemnitz is conveniently reachable within 40 minutes by car. Calculate your route to and from {{name}}, choose your restaurant or accomodation next to {{name}} and check the online map of {{address}} on ViaMichelin.Next
You can also, of course, calculate the route to and from your chosen tourist site. Likelwise, avoid shutting down your engine if you have a turbo engine and have been driving at a relatively high speed just before stopping. This service is completely free and is offered in real time. This is indicated in the route summary. Rooms here are bright and traditionally decorated with wooden furnishings and exposed wooden beams.Next
Der Trakehnerhof in Großwaltersdorf ist ein Geheimtipp für entspannten Urlaub in einer der schönsten Gegenden Sachsens. Not everything will fit in the boot. Another solution is to bypass urban areas via the routes départementales secondary roads. This is the default route that Michelin recommends. Lugar tranquilo en medio de la naturaleza. You can also print your route directly from the detailed road map click on « Print » in the top right corner of the road map. You can view all accommodation options on the {{localityLabel}} map, to select those that are most central or closest to points of interest in the city.Next
In addition, the required pressure may vary depending on your use. You can also add information on Michelin restaurants, tourist attractions or hotels in {{{departure}}} or {{{arrival}}}. ViaMichelin will also indicate any crossings into restricted traffic zones, such as Critair in France. Choose one of the following options for the {{{departure}}} to {{{arrival}}} route: Michelin recommended, quickest, shortest or economical. Landhotel Trakehnerhof boasts a beer garden as well as a hotel bar. These straighter roads can reduce fuel consumption.Next
It is available as a free download for both Apple and Android. You can also display car parks in {{localityLabel}}, and petrol stations. Sehr groß mit Dusche, Badewanne Whirl und Sauna. If you expect to arrive outside of reception opening hours you are kindly requested to inform the property in advance. Precise geolocations of supermarkets on ViaMichelin maps.Next
Nächste Kritik: Sealaska Inn, Hyder, Alaska … rollupAmdShim function {function e e,i {var t,o,d,f;if! You can deactivate the « Take traffic into account » option to find the recommended route in smooth traffic conditions. This free service is offered in partnership with Booking. Precise geolocations and phone numbers of pharmacies on ViaMichelin maps. Any type of extra bed or crib is upon request and needs to be confirmed by management. The green border signifies pedestrian streets. Die Wassergläser Leitungswasser trinkbar wurden nach dem Essen weggeräumt. They are responsible for the good handling and braking of your vehicle… and therefore your safety.Next


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Lainey Franklin-Guy
GMFS Mortgage Loan Officer
Baton Rouge, LA
or Request a Free Consultation
GMFS Mortgage – Baton Rouge, LA (Sherwood)
4561 Durham Place Suite C
Baton Rouge, LA 70816
First Time Homebuyer Budget Worksheet & Tips
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Mississippi #1161484
South Carolina #1161484
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Customer Reviews
Lainey Guy made the refinancing of our house a breeze! She was so helpful and knowledgeable about the whole process. Thanks so much Lainey for all that you do!! From The Lane's
Donna L. GMFS Mortgage Customer
Saturday May 30, 2020
She was awesome!
Lisa H. GMFS Mortgage Customer
Thursday January 2, 2020
The process was easy and Lainey was there every step of the way to help with questions. She was always available and responded quickly. She was my rock!
Amanda N. GMFS Mortgage Customer
Saturday August 17, 2019
The whole group did a good job and stayed on top of any discrepancies that came up. Lainey kept me up to date with all activities.
Kevin G. GMFS Mortgage Customer
Tuesday May 28, 2019
I am extremely satisfied with my service at GMFS and Lainey. Lainey was very attentive and patient with my husband and I. She was very prompt with returning all calls and she made me feel like I was part of her family. I will be recommending her to all of my family and friends.
Irene C. GMFS Mortgage Customer
Tuesday April 23, 2019
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Mission & Resources
Whether you purchase, build, renovate, refinance your home or buy a second home—the mission of your GMFS Mortgage Loan Officer is to use their experience to help you find the right home financing solution. GMFS Mortgage offers Conventional, Jumbo and Government mortgage programs such as FHA loans, VA loans for Veterans and USDA Rural Development home loans. We also offer 100% home financing with zero down payment mortgage options, one time close construction, interim construction and renovation loans.
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Since 1999, over 100,000 customers in 23 states
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Branches in AL, GA, LA, MS, & SC


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Search the Community
Showing results for tags 'tax return'.
Found 7 results
Tax Return on BU Possible?
blitzyev posted a topic in FinanceHello everyone, I am about to start working, and I have heard a lot about the Berüfsunfähigkeitsversicherung or the Disability Insurance. My question are, does it make sense to get one as an Ausländer/foreigner if you're gonna leave germany one day? What happens when you do leave germany and have been paying for the insurance for an amount of time? Do you get the money back if you dont wanna be paid ? And last but most importantly, can i get tax returns in full for the payments made for the disability insurance? if no, what percentage, and how is it established how much it will be?
Applied for tax return at Frankfurt Finanzamt and moving to Berlin
ihaider posted a topic in Life in BerlinHello, I applied for my tax return at Kelsterbach Finanzamt 4 weeks ago, however, I have to urgently move to Berlin now. I still have not heard anything from the finanzamt yet. Would city registration (anmeldung) in Berlin suffice and Kelsterbach Finanzamt would automatically know my new address for future communications? I am confused here and have no clue what to do. Thanks.
Help with tax declaration of foreign stocks and ETFs
bluetick posted a topic in FinanceHi guys, In 2019 I bought a few US stocks and accumulative ETFs through a foreign broker. I am trying to fill tax declaration (for 2019), spend a week trying to figure out how to declare foreign dividends (from stocks) and ETFs and I am still confused a lot. Please help with the following: In some posts (from 2018+, guides, or written by tax advisers) it is said that I can declare dividends in Anlage KAP line 15. When I check the info in ELSTER it is said about this line But I did not buy anything in 2018. Do I need to fill something here? If I try to add an item there, it asks for 2018 data only. If not this place where else I can declare that I bought ETFs in 2019? Please help
Filing tax return for multiple years at once
SpeedyRow posted a topic in FinanceHi Guys, This is the first time that I have declared a tax return in Germany. My situation is as follows: 1) I moved to Germany in late September 2016 to start studying for my master's degree. In 2016, I had to pay tuition fees and rent, and I did not have income that year. 2) In 2017: I was still a student and paid for tuition fees and rent. 09/2017: I started a working student position in a company (named A) and earned around €850/month (I did not have to pay tax while working there, maybe because there is a special agreement between the company and Finanzamt for student - no tax evasion). 11/2017: I bought a laptop for my study. 3) In 2018: I was still a student and paid for tuition fees and rent. I was working at company A. 10/2018: I finished my study while keeping the student status until 04/2019. 4) In 2019: My student status was valid until 04/2019. 04/2019: My contract at company A ended. 04/2019 - 08/2019: I was looking for a job without additional income. 08/2019 - 12/2020: I found a job in company B and started working there. My questions are: 1) Is it possible that this year (2020) I can file a tax return for all previous years (2016-2019) or for some selected years (2016, 2017, and 2019 - without 2018) at once? If yes, what is the procedure? 2) Is it possible that I can claim back all tuition fees during my master's degree? If yes, which proofs do I need to submit? (a confirmation from university or just the bank transfer details are enough) 3) Is it possible that I can claim back all renting fees during my master's degree? If yes, which proofs do I need to submit? (a confirmation from studentenwerk or just the bank transfer details are enough) 4) Is it possible that I can claim back all health insurance fees (AOK) during my master's degree? If yes, which proofs do I need to submit? (a confirmation from the health insurance provider or just the bank transfer details are enough) 5) In 2019: I only worked as a full-time employee for 5 months and earned €X. However, I paid taxes on the total amount (€X) with a tax rate as if I received a full year wage. Is it possible when I file a tax return, the Finanzamt will lower the tax rate on my €X and give me back the difference? 6) In the tax return statement: 6.1) Do I need to state the wage that I received from company A (no tax had to paid)? 6.2) In 2019: Line "Annual gross wage": Will I fill out the €X or the full year amount on my employment contract? 7) Do I need to submit "Lohnsteuerbescheinigung" or the Finanzamt have already had the data? (honestly, I lost the paper and hope that it is possible that I do not have to submit it). Thank you very much for your advice. Ads Lohnsteuerbescheinigung Ads
Relocation lump sum and Steuererklärung
Regen posted a topic in FinanceHi, I started working in Germany on December 2019 after relocating from Italy. I would now like to file my tax return (Steuerklasse 3, thus mandatory). I would like to claim the lump sum for relocation. What I cannot understand is what happens in my case as I worked only one month in 2019 (December) and so my tax return would be quite small. I understand that the lump sum is for tax deduction and not money that are given directly to you. Do I lose this deduction if I file the request of the lump sum now? Or does the tax office keep that deduction that one can then use for next year's (2021) declaration? Using online tax return platforms to calculate my tax return I should get a small refund in general thanks to other deductions and it is quite unclear what happens with the lump sum which is calculated to be around € 1.500. I wouldn't like to lose the possibility to have that deduction. Thank you in advance for any information on this issue.
Two Lohnsteuerbescheinigung from the same employer
ksenkaya posted a topic in FinanceHi, I want to submit a tax declaration for last year. I worked for a company for 4 months until September 2019 and bought a personal item in August with a discount benefit from the employer. The employer sent me two different Lohnsteuerbescheinigung. First one covers my work period with my tax class 1 and the second one has a period of 01.09-31.10.2019 with tax class 6. As I talked to the employer, I paid taxes for the item I bought within this discount, that´s why I received it. To submit the tax declaration, should I sum them up or submit them separately?
UK rental income on German tax returns
NiedersachsenLady posted a topic in FinanceHi all, I'm new to the forum and have a question about my tax returns. I am employed in Germany and pay taxes here. Last year I started receiving rental income from my UK flat. I have declared this income in the UK and do not need to pay tax on it as it falls under the tax threshold. My question is - when I declare this to the Finanzamt, what will happen? I read that the UK has a double taxation agreement with Germany and I cannot be taxed twice on the UK income, but will the Finanzamt add the UK income to my German income and tax me on the total amount? I live in Germany for more than 180 days in the year, but still have a registered address in the UK. I plan to become a German citizen this year (and keep my UK passport). Would that put me in a different tax position? Any help is greatly appreciated. xxxx


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People think that intimacy is about sex.
But intimacy is about truth.
When you realize you can tell someone your truth,
when you can show yourself to them,
when you stand in front of them bare
and their response is 'you're safe with me'
– that's intimacy.
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– Taylor Jenkins Reid
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