#Fincom

[readingrecap]

💸 Financial Forum - Town Finance 101 & Capital Projects

Join Town staff and elected officials for a discussion of the current capital projects before the Town. AGENDA:1) Welcome and Introduction from the Finance Committee Chair2) Town Finance 1013) Killam School Building Project Overview4) Senior/Community Center Project Overview5) Community Preservation Act Overview6) Discussion on Future Financial Forum/Project Update Series Meeting Dates7)…

[trustwayexchange]

Исламский банкинг в Сбербанке: Новая стратегия для привлечения клиентов и расширения услуг

🟢 Сбербанк подчеркивает, что исламский банкинг выступает дополнением, а не альтернат��вой традиционным банковским услугам. Это стратегический шаг, привлекающий новых клиентов, ранее не пользовавшихся финансовыми продуктами.

🔵 Изучение возможностей внедрения исламских финансовых инструментов активно продолжается для расширения актуальной продуктовой линейки. Новый подход ориентирован на баланс и соответствие законодательным нормам.

🚨 Ротации недели в сфере трейдинга и финансов

Ключевые изменения наблюдаются в командах компаний: 🇺🇸 Wintermute открывает представительство в США под руководством Рона Хэммонда, 🇦🇺 Plus500 повышает Ника Скарфа до CEO в Австралии, 🌍 и B2PRIME назначает Ли Шмуэля Голдфарба Executive Sales Trader, усиливая свои позиции.

✨ В ABN AMRO Йорик Наеф направляет усилия на инновации, а GTCFX вводит Михаила в должность CCO после одобрения FinCom. В то время как Capital.com теряет Дану Масси, ранее занимавшего позицию Chief Product and Technology Officer. Эти изменения демонстрируют стремление компаний адаптироваться к новым рыночным условиям.

📣 Дебаты о миграции: новые аргументы критиков

Противники миграции выдвигают свежие тезисы, настаивая на том, что мигранты приводят к росту цен на жилье, увеличивают расходы бюджета и отрицательно влияют на экономическое развитие. Эти аргументы становятся все более популярными среди сторонников строгой миграционной политики. Насколько они обоснованы? 🤔

[444namesplus]

Babroad Badamant Baeroplane Balien Ballergy Balloy Balphabet Bambient Bamerica Banchor Band Bandroid Bapple Baubergine Baura Becho Beddy Belegant Belephant Bemerald Bencourage Bend Bending Bengland Benjoy Bentertainment Bentry Beternal Bethereal Bincome Binfinite Binkpot Binspiration Binternet Bintroduction Binvincible Binvisible Bireland Boccupation Borange Border Bother Bout Bumbrella Bumpire Bunbeliever Bunicorn Bunique Byttrium

Cabroad Cadamant Caeroplane Calien Callergy Calloy Calphabet Cambient Camerica Canchor Cand Candroid Capple Caubergine Caura Cecho Ceddy Celegant Celephant Cemerald Cencourage Cend Cending Cengland Cenjoy Centertainment Centry Ceternal Cethereal Chabroad Chadamant Chaeroplane Chalien Challergy Challoy Chalphabet Chambient Chamerica Chanchor Chand Chandroid Chapple Chaubergine Chaura Checho Cheddy Chelegant Chelephant Chemerald Chencourage Chend Chending Chengland Chenjoy Chentertainment Chentry Cheternal Chethereal Chincome Chinfinite Chinkpot Chinspiration Chinternet Chintroduction Chinvincible Chinvisible Chireland Choccupation Chorange Chorder Chother Chout Chumbrella Chumpire Chunbeliever Chunicorn Chunique Chyttrium Cincome Cinfinite Cinkpot Cinspiration Cinternet Cintroduction Cinvincible Cinvisible Cireland Coccupation Corange Corder Cother Cout Cumbrella Cumpire Cunbeliever Cunicorn Cunique Cyttrium

Dabroad Dadamant Daeroplane Dalien Dallergy Dalloy Dalphabet Dambient Damerica Danchor Dand Dandroid Dapple Daubergine Daura Decho Deddy Delegant Delephant Demerald Dencourage Dend Dending Dengland Denjoy Dentertainment Dentry Deternal Dethereal Dincome Dinfinite Dinkpot Dinspiration Dinternet Dintroduction Dinvincible Dinvisible Direland Doccupation Dorange Dorder Dother Dout Dumbrella Dumpire Dunbeliever Dunicorn Dunique Dwabroad Dwadamant Dwaeroplane Dwalien Dwallergy Dwalloy Dwalphabet Dwambient Dwamerica Dwanchor Dwand Dwandroid Dwapple Dwaubergine Dwaura Dwecho Dweddy Dwelegant Dwelephant Dwemerald Dwencourage Dwend Dwending Dwengland Dwenjoy Dwentertainment Dwentry Dweternal Dwethereal Dwincome Dwinfinite Dwinkpot Dwinspiration Dwinternet Dwintroduction Dwinvincible Dwinvisible Dwireland Dwoccupation Dworange Dworder Dwother Dwout Dwumbrella Dwumpire Dwunbeliever Dwunicorn Dwunique Dwyttrium Dyttrium

Fabroad Fadamant Faeroplane Falien Fallergy Falloy Falphabet Fambient Famerica Fanchor Fand Fandroid Fapple Faubergine Faura Fecho Feddy Felegant Felephant Femerald Fencourage Fend Fending Fengland Fenjoy Fentertainment Fentry Feternal Fethereal Fincome Finfinite Finkpot Finspiration Finternet Fintroduction Finvincible Finvisible Fireland Foccupation Forange Forder Fother Fout Fumbrella Fumpire Funbeliever Funicorn Funique Fyttrium

Gabroad Gadamant Gaeroplane Galien Gallergy Galloy Galphabet Gambient Gamerica Ganchor Gand Gandroid Gapple Gaubergine Gaura Gecho Geddy Gelegant Gelephant Gemerald Gencourage Gend Gending Gengland Genjoy Gentertainment Gentry Geternal Gethereal Gincome Ginfinite Ginkpot Ginspiration Ginternet Gintroduction Ginvincible Ginvisible Gireland Goccupation Gorange Gorder Gother Gout Gumbrella Gumpire Gunbeliever Gunicorn Gunique Gwabroad Gwadamant Gwaeroplane Gwalien Gwallergy Gwalloy Gwalphabet Gwambient Gwamerica Gwanchor Gwand Gwandroid Gwapple Gwaubergine Gwaura Gwecho Gweddy Gwelegant Gwelephant Gwemerald Gwencourage Gwend Gwending Gwengland Gwenjoy Gwentertainment Gwentry Gweternal Gwethereal Gwincome Gwinfinite Gwinkpot Gwinspiration Gwinternet Gwintroduction Gwinvincible Gwinvisible Gwireland Gwoccupation Gworange Gworder Gwother Gwout Gwumbrella Gwumpire Gwunbeliever Gwunicorn Gwunique Gwyttrium Gyttrium

Habroad Hadamant Haeroplane Halien Hallergy Halloy Halphabet Hambient Hamerica Hanchor Hand Handroid Happle Haubergine Haura Hecho Heddy Helegant Helephant Hemerald Hencourage Hend Hending Hengland Henjoy Hentertainment Hentry Heternal Hethereal Hincome Hinfinite Hinkpot Hinspiration Hinternet Hintroduction Hinvincible Hinvisible Hireland Hoccupation Horange Horder Hother Hout Humbrella Humpire Hunbeliever Hunicorn Hunique Hwabroad Hwadamant Hwaeroplane Hwalien Hwallergy Hwalloy Hwalphabet Hwambient Hwamerica Hwanchor Hwand Hwandroid Hwapple Hwaubergine Hwaura Hwecho Hweddy Hwelegant Hwelephant Hwemerald Hwencourage Hwend Hwending Hwengland Hwenjoy Hwentertainment Hwentry Hweternal Hwethereal Hwincome Hwinfinite Hwinkpot Hwinspiration Hwinternet Hwintroduction Hwinvincible Hwinvisible Hwireland Hwoccupation Hworange Hworder Hwother Hwout Hwumbrella Hwumpire Hwunbeliever Hwunicorn Hwunique Hwyttrium Hyttrium

Jabroad Jadamant Jaeroplane Jalien Jallergy Jalloy Jalphabet Jambient Jamerica Janchor Jand Jandroid Japple Jaubergine Jaura Jecho Jeddy Jelegant Jelephant Jemerald Jencourage Jend Jending Jengland Jenjoy Jentertainment Jentry Jeternal Jethereal Jincome Jinfinite Jinkpot Jinspiration Jinternet Jintroduction Jinvincible Jinvisible Jireland Joccupation Jorange Jorder Jother Jout Jumbrella Jumpire Junbeliever Junicorn Junique Jyttrium

Kabroad Kadamant Kaeroplane Kalien Kallergy Kalloy Kalphabet Kambient Kamerica Kanchor Kand Kandroid Kapple Kaubergine Kaura Kecho Keddy Kelegant Kelephant Kemerald Kencourage Kend Kending Kengland Kenjoy Kentertainment Kentry Keternal Kethereal Khabroad Khadamant Khaeroplane Khalien Khallergy Khalloy Khalphabet Khambient Khamerica Khanchor Khand Khandroid Khapple Khaubergine Khaura Khecho Kheddy Khelegant Khelephant Khemerald Khencourage Khend Khending Khengland Khenjoy Khentertainment Khentry Kheternal Khethereal Khincome Khinfinite Khinkpot Khinspiration Khinternet Khintroduction Khinvincible Khinvisible Khireland Khoccupation Khorange Khorder Khother Khout Khumbrella Khumpire Khunbeliever Khunicorn Khunique Khyttrium Kincome Kinfinite Kinkpot Kinspiration Kinternet Kintroduction Kinvincible Kinvisible Kireland Koccupation Korange Korder Kother Kout Kumbrella Kumpire Kunbeliever Kunicorn Kunique Kyttrium

Labroad Ladamant Laeroplane Lalien Lallergy Lalloy Lalphabet Lambient Lamerica Lanchor Land Landroid Lapple Laubergine Laura Lecho Leddy Lelegant Lelephant Lemerald Lencourage Lend Lending Lengland Lenjoy Lentertainment Lentry Leternal Lethereal Lincome Linfinite Linkpot Linspiration Linternet Lintroduction Linvincible Linvisible Lireland Loccupation Lorange Lorder Lother Lout Lumbrella Lumpire Lunbeliever Lunicorn Lunique Lyttrium

Mabroad Madamant Maeroplane Malien Mallergy Malloy Malphabet Mambient Mamerica Manchor Mand Mandroid Mapple Maubergine Maura Mecho Meddy Melegant Melephant Memerald Mencourage Mend Mending Mengland Menjoy Mentertainment Mentry Meternal Methereal Mincome Minfinite Minkpot Minspiration Minternet Mintroduction Minvincible Minvisible Mireland Moccupation Morange Morder Mother Mout Mumbrella Mumpire Munbeliever Municorn Munique Myttrium

Nabroad Nadamant Naeroplane Nalien Nallergy Nalloy Nalphabet Nambient Namerica Nanchor Nand Nandroid Napple Naubergine Naura Necho Neddy Nelegant Nelephant Nemerald Nencourage Nend Nending Nengland Nenjoy Nentertainment Nentry Neternal Nethereal Nincome Ninfinite Ninkpot Ninspiration Ninternet Nintroduction Ninvincible Ninvisible Nireland Noccupation Norange Norder Nother Nout Numbrella Numpire Nunbeliever Nunicorn Nunique Nyttrium

Pabroad Padamant Paeroplane Palien Pallergy Palloy Palphabet Pambient Pamerica Panchor Pand Pandroid Papple Paubergine Paura Pecho Peddy Pelegant Pelephant Pemerald Pencourage Pend Pending Pengland Penjoy Pentertainment Pentry Peternal Pethereal Pincome Pinfinite Pinkpot Pinspiration Pinternet Pintroduction Pinvincible Pinvisible Pireland Poccupation Porange Porder Pother Pout Pumbrella Pumpire Punbeliever Punicorn Punique Pyttrium

Qabroad Qadamant Qaeroplane Qalien Qallergy Qalloy Qalphabet Qambient Qamerica Qanchor Qand Qandroid Qapple Qaubergine Qaura Qecho Qeddy Qelegant Qelephant Qemerald Qencourage Qend Qending Qengland Qenjoy Qentertainment Qentry Qeternal Qethereal Qincome Qinfinite Qinkpot Qinspiration Qinternet Qintroduction Qinvincible Qinvisible Qireland Qoccupation Qorange Qorder Qother Qout Quabroad Quadamant Quaeroplane Qualien Quallergy Qualloy Qualphabet Quambient Quamerica Quanchor Quand Quandroid Quapple Quaubergine Quaura Quecho Queddy Quelegant Quelephant Quemerald Quencourage Quend Quending Quengland Quenjoy Quentertainment Quentry Queternal Quethereal Quincome Quinfinite Quinkpot Quinspiration Quinternet Quintroduction Quinvincible Quinvisible Quireland Qumbrella Qumpire Qunbeliever Qunicorn Qunique Quoccupation Quorange Quorder Quother Quout Quumbrella Quumpire Quunbeliever Quunicorn Quunique Quyttrium Qyttrium

Rabroad Radamant Raeroplane Ralien Rallergy Ralloy Ralphabet Rambient Ramerica Ranchor Rand Randroid Rapple Raubergine Raura Recho Reddy Relegant Relephant Remerald Rencourage Rend Rending Rengland Renjoy Rentertainment Rentry Reternal Rethereal Rincome Rinfinite Rinkpot Rinspiration Rinternet Rintroduction Rinvincible Rinvisible Rireland Roccupation Rorange Rorder Rother Rout Rumbrella Rumpire Runbeliever Runicorn Runique Ryttrium

Sabroad Sadamant Saeroplane Salien Sallergy Salloy Salphabet Sambient Samerica Sanchor Sand Sandroid Sapple Saubergine Saura Secho Seddy Selegant Selephant Semerald Sencourage Send Sending Sengland Senjoy Sentertainment Sentry Seternal Sethereal Shabroad Shadamant Shaeroplane Shalien Shallergy Shalloy Shalphabet Shambient Shamerica Shanchor Shand Shandroid Shapple Shaubergine Shaura Shecho Sheddy Shelegant Shelephant Shemerald Shencourage Shend Shending Shengland Shenjoy Shentertainment Shentry Sheternal Shethereal Shincome Shinfinite Shinkpot Shinspiration Shinternet Shintroduction Shinvincible Shinvisible Shireland Shoccupation Shorange Shorder Shother Shout Shumbrella Shumpire Shunbeliever Shunicorn Shunique Shyttrium Sincome Sinfinite Sinkpot Sinspiration Sinternet Sintroduction Sinvincible Sinvisible Sireland Soccupation Sorange Sorder Sother Sout Stabroad Stadamant Staeroplane Stalien Stallergy Stalloy Stalphabet Stambient Stamerica Stanchor Stand Standroid Stapple Staubergine Staura Stecho Steddy Stelegant Stelephant Stemerald Stencourage Stend Stending Stengland Stenjoy Stentertainment Stentry Steternal Stethereal Stincome Stinfinite Stinkpot Stinspiration Stinternet Stintroduction Stinvincible Stinvisible Stireland Stoccupation Storange Storder Stother Stout Stumbrella Stumpire Stunbeliever Stunicorn Stunique Styttrium Sumbrella Sumpire Sunbeliever Sunicorn Sunique Syttrium

Tabroad Tadamant Taeroplane Talien Tallergy Talloy Talphabet Tambient Tamerica Tanchor Tand Tandroid Tapple Taubergine Taura Techo Teddy Telegant Telephant Temerald Tencourage Tend Tending Tengland Tenjoy Tentertainment Tentry Teternal Tethereal Thabroad Thadamant Thaeroplane Thalien Thallergy Thalloy Thalphabet Thambient Thamerica Thanchor Thand Thandroid Thapple Thaubergine Thaura Thecho Theddy Thelegant Thelephant Themerald Thencourage Thend Thending Thengland Thenjoy Thentertainment Thentry Theternal Thethereal Thincome Thinfinite Thinkpot Thinspiration Thinternet Thintroduction Thinvincible Thinvisible Thireland Thoccupation Thorange Thorder Thother Thout Thrabroad Thradamant Thraeroplane Thralien Thrallergy Thralloy Thralphabet Thrambient Thramerica Thranchor Thrand Thrandroid Thrapple Thraubergine Thraura Threcho Threddy Threlegant Threlephant Thremerald Threncourage Thrend Thrending Threngland Threnjoy Threntertainment Threntry Threternal Threthereal Thrincome Thrinfinite Thrinkpot Thrinspiration Thrinternet Thrintroduction Thrinvincible Thrinvisible Thrireland Throccupation Throrange Throrder Throther Throut Thrumbrella Thrumpire Thrunbeliever Thrunicorn Thrunique Thryttrium Thumbrella Thumpire Thunbeliever Thunicorn Thunique Thyttrium Tincome Tinfinite Tinkpot Tinspiration Tinternet Tintroduction Tinvincible Tinvisible Tireland Toccupation Torange Torder Tother Tout Tumbrella Tumpire Tunbeliever Tunicorn Tunique Tyttrium

Vabroad Vadamant Vaeroplane Valien Vallergy Valloy Valphabet Vambient Vamerica Vanchor Vand Vandroid Vapple Vaubergine Vaura Vecho Veddy Velegant Velephant Vemerald Vencourage Vend Vending Vengland Venjoy Ventertainment Ventry Veternal Vethereal Vincome Vinfinite Vinkpot Vinspiration Vinternet Vintroduction Vinvincible Vinvisible Vireland Voccupation Vorange Vorder Vother Vout Vumbrella Vumpire Vunbeliever Vunicorn Vunique Vyttrium

Wabroad Wadamant Waeroplane Walien Wallergy Walloy Walphabet Wambient Wamerica Wanchor Wand Wandroid Wapple Waubergine Waura Wecho Weddy Welegant Welephant Wemerald Wencourage Wend Wending Wengland Wenjoy Wentertainment Wentry Weternal Wethereal Wincome Winfinite Winkpot Winspiration Winternet Wintroduction Winvincible Winvisible Wireland Woccupation Worange Worder Wother Wout Wumbrella Wumpire Wunbeliever Wunicorn Wunique Wyttrium

Xabroad Xadamant Xaeroplane Xalien Xallergy Xalloy Xalphabet Xambient Xamerica Xanchor Xand Xandroid Xapple Xaubergine Xaura Xecho Xeddy Xelegant Xelephant Xemerald Xencourage Xend Xending Xengland Xenjoy Xentertainment Xentry Xeternal Xethereal Xincome Xinfinite Xinkpot Xinspiration Xinternet Xintroduction Xinvincible Xinvisible Xireland Xoccupation Xorange Xorder Xother Xout Xumbrella Xumpire Xunbeliever Xunicorn Xunique Xyttrium

Yabroad Yadamant Yaeroplane Yalien Yallergy Yalloy Yalphabet Yambient Yamerica Yanchor Yand Yandroid Yapple Yaubergine Yaura Yecho Yeddy Yelegant Yelephant Yemerald Yencourage Yend Yending Yengland Yenjoy Yentertainment Yentry Yeternal Yethereal Yincome Yinfinite Yinkpot Yinspiration Yinternet Yintroduction Yinvincible Yinvisible Yireland Yoccupation Yorange Yorder Yother Yout Yumbrella Yumpire Yunbeliever Yunicorn Yunique Yyttrium

Zabroad Zadamant Zaeroplane Zalien Zallergy Zalloy Zalphabet Zambient Zamerica Zanchor Zand Zandroid Zapple Zaubergine Zaura Zecho Zeddy Zelegant Zelephant Zemerald Zencourage Zend Zending Zengland Zenjoy Zentertainment Zentry Zeternal Zethereal Zincome Zinfinite Zinkpot Zinspiration Zinternet Zintroduction Zinvincible Zinvisible Zireland Zoccupation Zorange Zorder Zother Zout Zumbrella Zumpire Zunbeliever Zunicorn Zunique Zyttrium

[fiercynn]

yes, they report all their numbers legally, i'm not disputing that. that's why i said, very clearly, that i'm not claiming this is a scam in any way. however, this is what otw treasurer/finance chair yuechiang luo said when asked about their surplus at the 2022 public q&a, which is what i was referring to:

given that this is the public meeting where they are supposed to be available to answer questions from people who might not have the capacity to dig deeper into their finances, it is at best disingenuous to say we have "over $1 million" in fall 2022 when, as you've noted, they reported having $2.3 million at the end of 2021, and had certainly already raised a good amount by that point in 2022 as well.

(that meeting is still up in the otw board meetings discord in the #public-finance-meetings channel, i just went and got the screenshot right now, if anyone wants to read through it. you can even read through the october 2021 finance q&a, where a lot of similar questions were asked and where mostly the same answers were given)

otw needs to be operating from the idea that transparency with their members and donors is a priority – especially given all the other issues they've been rightly called out for, including racism and mistreating their volunteers. and they have not been transparent about their surplus in ways that are accessible to most people who might want to understand them. they don't include any mention of their surplus in the budget spreadsheets they release, and this very much has an impact: i can't tell you how many people have argued with me about the numbers i'm sharing for their surplus because they "would have noticed that if it showed up on their budget reports".

it's just not reasonable to expect that your average otw donor should know to dig through their audited financial statements and form 990s to find these numbers. and at the very least, when the treasurer is asked directly about otw's surplus, by people who are not financial experts, the treasurer should be transparent about it.

a couple other responses to your points:

i said that they got most of their legal expenses donated. i still haven't had time to go through their 2022 docs fully because they put them up so recently, but what i'm seeing from my skim is that they had $199,235 in donated legal services. i'm not seeing where the $84k number comes from, but that would still be 70% of their legal expenses donated, which i feel comfortable calling "most", especially when we're talking about these expenses in the context of almost $2.8 million in surplus. either way, my point is that their surplus is not intended for legal expenses, but for some reason this is a common argument that comes up whenever people mention the surplus, even though i haven't ever heard an actual fincom member say that's what it's for

i never said the transfer of $10 was a singular transfer? but fine, i could have been clearer that i meant a net transfer over the course of 2022. it doesn't change my underlying point, which is that they have an interest-bearing account with some money in it and have not added any significant amount of their $2.8 million surplus to it!

it's true that their operating expenses grow over time but to be clear, the highest that they've been so far is $578k in 2024, at least according to their budget spreadsheet actuals (i do not have the energy to look at their financial statements for this rn). here are the numbers for several years before that: $298k in 2018, $310k in 2019, $444k in 2020, $306k in 2021, and $519k in 2022

it's all very well talking about an ambitious roadmap when they have been saying the same things about paid staff, investments, and server upgrades for years without progress. it's part of why i harp on the investments piece so much even though i personally would prefer to see the money spent – because it's evidence that even the one of the simpler things that they have been talking about for, what, at least a decade? hasn't been implemented meaningfully. and they've been talking about paid staff for even longer, so the idea that we need to keep giving now, on top of their surplus, for them to be sure they can pay staff in the future, is also spurious. (i also have been a part of many nonprofits, including nonprofits that are all volunteer run, and many of them have ambitious roadmaps that they still make progress on much faster than otw, with far less volunteer power overall)

it's also hard to take seriously that volunteers can make real change from the inside when many who try are mistreated by the org, including being lied about and thrown away like azarias; including through racism towards chinese and chinese-speaking volunteers; including through censuring of volunteers of color like dhobi ki kutti who try to address racism internally; and including censuring volunteers who just have "from the river to the sea, palestine will be free" in their slack statuses. otw has not been meaningfully accountable to any of those things yet.

anyway, i'm going to stop responding to reblogs of this post after this because i've spent way too much of my limited energy on this topic already, but here's my underlying point: why should i, or any other prospective donor, believe in their roadmap enough to donate even more money than we've already donated in the past, given their failures to implement so many of the things they have claimed they want to do, for years, AND their history of harm done to volunteers, especially volunteers of color? given that context, it is entirely reasonable to say that you don't need to donate until we start seeing tangible impacts of that roadmap.

on ao3's current fundraiser

apparently it’s time for ao3’s biannual donation drive, which means it’s time for me to remind you all, that regardless of how much you love ao3, you shouldn’t donate to them because they HAVE TOO MUCH MONEY AND NO IDEA WHAT TO DO WITH IT.

we’ve known for years that ao3 – or, more specifically, the organization for transformative works (@transformativeworks on tumblr), or otw, who runs ao3 and other fandom projects – has a lot of money in their “reserves” that they had no plans for. but in 2023, @manogirl and i did some research on this, and now, after looking at their more recent financial statements, i’ve determined that at the beginning of 2024, they had almost $2.8 MILLION US DOLLARS IN SURPLUS.

our full post last year goes over the principles of how we determined this, even though the numbers are for 2023, but the key points still stand (with the updated numbers):

when we say “surplus”, we are not including money that they estimate they need to spend in 2024 for their regular expenses. just the extra that they have no plan for

yes, nonprofits do need to keep some money in reserves for emergencies; typically, nonprofits registered in the u.s. tend to keep enough to cover between six months and two years of their regular operating expenses (meaning, the rough amount they need each month to keep their services going). $2.8 million USD is enough to keep otw running for almost FIVE YEARS WITHOUT NEW DONATIONS

they always overshoot their fundraisers: as i’m posting this, they’ve already raised $104,751.62 USD from their current donation drive, which is over double what they’ve asked for! on day two of the fundraiser!!

no, we are not trying to claim they are embezzling this money or that it is a scam. we believe they are just super incompetent with their money. case in point: that surplus that they have? only earned them $146 USD in interest in 2022, because only about $10,000 USD of their money invested in an interest-bearing account. that’s the interest they earn off of MILLIONS. at the very least they should be using this extra money to generate new revenue – which would also help with their long-term financial security – but they can’t even do that

no, they do not need this money to use if they are sued. you can read more about this in the full post, but essentially, they get most of their legal services donated, and they have not, themselves, said this money is for that purpose

i'm not going to go through my process for determining the updated 2024 numbers because i want to get this post out quickly, and otw actually had not updated the sources i needed to get these numbers until the last couple days (seriously, i've been checking), but you can easily recreate the process that @manogirl and i outlined last year with these documents:

otw’s 2022 audited financial statement, to determine how much money they had at the end of 2022

otw’s 2024 budget spreadsheet, to determine their net income in 2023 and how much they transferred to and from reserves at the beginning of 2024

otw’s 2022 form 990 (also available on propublica), which is a tax document, and shows how much interest they earned in 2022 (search “interest” and you’ll find it in several places)  

also, otw has not been accountable to answering questions about their surplus. typically, they hold a public meeting with their finance committee every year in september or october so people can ask questions directly to their treasurer and other committee members; as you can imagine, after doing this deep dive last summer, i was looking forward to getting some answers at that meeting!

but they cancelled that meeting in 2023, and instead asked people to write to the finance committee through their contact us form online. fun fact: i wrote a one-line message to the finance committee on may 11, 2023 through that form, when @manogirl and i were doing this research, asking them for clarification on how much they have in their reserves. i have still not received a response.

so yeah. please spend your money on people who actually need it, like on mutual aid requests! anyone who wants to share their mutual aid requests, please do so in the replies and i’ll share them out – i didn’t want to link directly to individual requests without permission in case this leads to anyone getting harassed, but i would love to share your requests. to start with, here's operation olive branch and their ongoing spreadsheet sharing palestinian folks who need money to escape genocide.

oh, and if you want to write to otw and tell them why you are not donating, i'm not sure it’ll get any results, but it can’t hurt lol. here's their contact us form – just don’t expect a response! ¯\_(ツ)_/¯

[bpaeducators]

Congrats On Your Placement saloni saraf fincom pvt Ltd rohini

course training link👉- https://www.bpaeducators.com/ms-excel-adv-excel-course/

Instagram👉:- https://www.instagram.com/bpaeducator/

Facebook👉:- https://www.facebook.com/bpaeducator.

Video Library👉:-https://www.youtube.com/c/BPAEducators

.

📞 Us for more information

+918882196405

.

.

.

👇

www.bpaeducators.com

#bpa #tally #tallyprimetraining #msexcel #training #trainingtoplacement #placement #joboriented #job #joborientedcourse #placement #placementcourse #msexceltraining #sheetinexcel #reels #viralreel #excel

[noisynutcrusade]

FINCOME Shooting Games Toys 3 in 1 for 3-12 Year Old Boys Girls, 2 Sides Shooting Target,2 Toy Gun,20 Soft Foam Darts Bullets,10 Sticky Balls,10 Dart, Indoor Outdoor Toys for Christmas Birthday Gifts

Price: (as of – Details) From the brand Balance Beam Gymnastics Equipment Kids toy Kids toy 【Board with 2 Sides & 2 Usage Methods】The target board is designed with two sides. One side features a classics digital scoring system, while the other side showcases ocean animal digital patterns, adding an element of fun to the game. Additionally, the outdoor games target board with hanging design,…

[1-2-3-4-4498-0]

Energizing the Future: Insights into the Electrical Equipment Market

Electrical equipment is used for various machines powered by electricity. Electrical equipment includes different machinery, specialized systems, and cables to be supplied with electricity. The market includes sales of products that generate and distribute electrical power. Moreover, it refers to the individual components of an electrical distribution system such as electricity meter, transformers, circuit breakers, and distribution boards.

The global electrical equipment market is segmented on the basis of various characteristics. By product type, the market is segmented into wiring devices, batteries & accumulators, electronic & electrical wires, and cables. The demand for energy is increasing from the residential and nonresidential users; both the segment contributes largely in the growth of electrical equipment market. Installation of the electrical devices such as ventilators, lighting system, air conditioners, and fire protection majorly augmented the growth of the market. Furthermore, rapid modernization in the electric grid is fueling the demand for electrical equipment. By region, North America, Europe, Asia-Pacific, Latin America, and the Middle East & Africa contributing largely in the electrical equipment market growth.

COVID-19 impact analysis

Owing to the suspension of work in industries, the electrical equipment market is likely to witness a temporary downfall. 

More than 60% of the electric motors are on halt during the pandemic, which is anticipated to impact the usage rate of electrical equipment. 

lications may cause a decline during the forecast period. Furthermore, the suspended movement of activities such as functioning of heavy machines with the suspension of production app

Moreover, insufficiency in raw material supply is anticipated to hamper the production rate, thus affecting the market growth.

Top impacting factors: market scenario analysis, trends, drivers, and impact analysis

Technological advancement in electrical equipment acts as the major driver of the electrical equipment market. Electric meters are crucial for analyzing the total power transmitted and consumed across various applications, which significantly contribute toward the growth of the global market. Furthermore, the trend for electric vehicles is growing significantly and emerging toward the transportation electric fuels vehicles. Countries such as Mexico, India, and America are largely benefited from the established power distribution channels. Furthermore, high frequency of operation for electrical equipment is expected to boost the market growth during the analysis period.

The growth of the global market is further driven by the expansion of the commercial, industrial, residential, and nonresidential sectors. Furthermore, increase in consumption of electrical equipment in applications such as building & construction, power transmission & power distribution, and mining boosts the growth of the global market.

Key benefits of the report

This study presents the analytical depiction of the global electrical equipment market industry along with the current trends and market estimation to determine the imminent investment pockets.

The report represents information related to key drivers, restraints, and opportunities along with detailed analysis of the global electrical equipment battery market.

The current market is quantitatively analyzed from 2020 to 2027 to highlight the market growth scenario.

The report provides a detailed market analysis depending on competitive and how the competition will take shape in coming years.

This report helps users in comprehending the key product segments and their future.

Key Market Players : Monbat, ABB, Fincom-2, Gamakabela, Octa light, Samel, incotex Group, Datecs, Legrand, Emka, Solar LED Powers, Hellenic Cables

[lazoneestlibre]

" Pourquoi les rivalités existent-elles? " Guy ROGER ZONE LIBRE

D'où viennent nos mésententes nos querelles et nos divisions? Faire l'investigation peut être le facteur d'une nouvelle façon de percevoir la vie, telle que nous la connaissons.

[veliseraptor]

@ameliarating replied to your post:

unidorsal bapisc fincome 

i’m getting a divorce

[readingrecap]

🗓️ This Week in Meetings 3/18 - 3/22

Here is the list of all the meetings with agendas currently scheduled for this week in Reading. As always, this list is only up to date as of Monday morning and new meetings or modifications can be added/revised at any time. For PDF’s of the agendas, please click on the meeting name. Please check out https://www.readingma.gov for any changes. Monday Permanent Building Committee –…

[thelocalnewsma]

Letter: Player is logical, tireless, committed to people of Ipswich

Letter: Player is logical, tireless, committed to people of Ipswich #IpswichMA

When I first heard that Sarah Player wanted to jump back into town government and run for the open seat on the Select board I became very excited. As a Fincom, or finance committee, member, I previously worked with Sarah while she was chair of the school committee.  During that time, I consistently admired her commitment to the people of Ipswich.  I observed, firsthand, her ability to logically…

[asourabh261]

CreditKart is a shopping platform revolutionizing online shopping by introducing shoppers to a shopping experience like never before. Selling a variety of top quality products at very affordable prices, CreditKart assigns the shoppers a direct credit line and lets them “Buy Now, Pay Later”. From fashion to skincare and decor to gadgets, we deliver happiness pan India serving 25,000 pin codes.

[comerzan]

Care sunt brokerii prin care poți investi pe bursa din Moldova?

Care sunt brokerii prin care poți investi pe bursa din Moldova?

Efectuarea investițiilor pe oricare piață bursieră poate avea loc doar prin intermediul companiilor de brokeraj.

În Republica Moldova activează 16 companii de brokeraj, numite conform legislației în vigoare societăți de investiție, prin intermediul cărora poți investi în acțiunile societăților pe acțiuni admise pe piața reglementată sau la sistemului multilateral de tranzacționare (MTF) al Bursei…

[wallstreetmoldova]

Care sunt brokerii prin care poți investi pe bursa din Moldova?

Care sunt brokerii prin care poți investi pe bursa din Moldova?

Efectuarea investițiilor pe oricare piață bursieră poate avea loc doar prin intermediul companiilor de brokeraj.

În Republica Moldova activează 16 companii de brokeraj, numite conform legislației în vigoare societăți de investiție, prin intermediul cărora poți investi în acțiunile societăților pe acțiuni admise pe piața reglementată sau la sistemului multilateral de tranzacționare (MTF) al Bursei…

[edufinmd]

Care sunt brokerii prin care poți investi pe bursa din Moldova?

Care sunt brokerii prin care poți investi pe bursa din Moldova?

Efectuarea investițiilor pe oricare piață bursieră poate avea loc doar prin intermediul companiilor de brokeraj.

În Republica Moldova activează 16 companii de brokeraj, numite conform legislației în vigoare societăți de investiție, prin intermediul cărora poți investi în acțiunile societăților pe acțiuni admise pe piața reglementată sau la sistemului multilateral de tranzacționare (MTF) al Bursei…

[tatianacomerzan-blog]

Care sunt brokerii prin care poți investi pe bursa din Moldova?

Care sunt brokerii prin care poți investi pe bursa din Moldova?

Efectuarea investițiilor pe oricare piață bursieră poate avea loc doar prin intermediul companiilor de brokeraj.

În Republica Moldova activează 16 companii de brokeraj, numite conform legislației în vigoare societăți de investiție, prin intermediul cărora poți investi în acțiunile societăților pe acțiuni admise pe piața reglementată sau la sistemului multilateral de tranzacționare (MTF) al Bursei…