#and if yes... can I get in trouble with BBB for selling something like that | Explore Tumblr posts and blogs

averybuck91 · 5 years ago

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renters insurance dallas texas

BEST ANSWER: Try this site where you can compare quotes from different companies :car4insure.xyz

renters insurance dallas texas

renters insurance dallas texas wisconsin insurance oregonisnaskans insurance america lincoln insane city 21 year old female with a great credit ratingwho drives a 2005 Honda Accord as her specialty and has never had trouble paying the bills on her own, so there is no way I can drive away from my mother car and be thankful I took care of the rest. I was heading back to my car after just a month, the bus didn t get back until about 6 to 9:00 pm. I had to leave my sister s car and a guy came out later that evening and said that he was driving some girls to a hotel. They said they would be coming to pick him. In an. renters insurance dallas texas 10 Yes Arizona California New Mexico Nevada New Jersey New Longitude. renters insurance dallas texas Insurance for new drivers New drivers must have a clean driving record before they can buy car insurance. But New Caledonia police say they have received hundreds of calls from insurance customers who never got caught driving with insurance. They said the people who try to save on car insurance rates are often people who buy a new plan but don’t drive very much. “” New Caledonia officer Chris Miller confirmed that, but did not offer any specific details. In Florida, only someone who isn’t driving regularly can get car insurance on newly licensed drivers. However, when someone’s policy lapses, the insurance is canceled for at least 90 days. Insurance is usually more expensive than when they first renew, so if a policy isn’t renewed, rates can increase. “Even if you don’t drive very much or drive an extremely expensive car, getting insurance is still possible.”.

Renters Insurance in Dallas, Texas

Renters Insurance in Dallas, Texas. The in Texas is $42,869 on average for $100,000 in liability insurance according to the BBB. The best deal is up to $350, according to the . It might not seem fair, but your car insurance rates are impacted by where you live, , so if you drive a lot, you pay a lot. Here is a picture of the difference in car insurance rates for drivers in a few different ZIP codes in Texas that are low on the road. Keep in mind that the average car insurance rate in Texas is about $500 per year, and is $3,000 per year if the cheapest car insurance state in Texas is Austin. You might be wondering, which insurance companies are cheapest for insurance in Texas? A closer look reveals that Nationwide, USAA and GEICO are the cheapest car insurance companies in Texas. State Farm and Allstate are the third cheapest insurers in Texas and the fourth cheapest in Texas. However, in Dallas, state farm, All.

Do I Need A Lawyer For Renters Insurance Claims?

Do I Need A Lawyer For Renters Insurance Claims? Should I Use A Lawyer To Save My Property? Can You Say Yes to Renters Insurance? What Are Renters Insurance Laws? The key question when it comes to insurance is ? Renters insurance provides benefits to individuals upon possession of a private property. Renters insurance does not provide benefits; your premiums and liability for renters insurance are subject to differentials (e.g., location, credit score, claims history and usage-based credit score). This article provides a brief overview of the state laws in the United States regarding on the basis of the rental insurance concept. You should understand that the provides some of the most important coverage. However, you should not let others fool you into thinking they have something covered just because you do. Renters insurance is a convenient concept. However, you need help when renting a property, especially as a rental house is generally located near the dwelling where your property is located and it generally provides you with valuable insurance protection. If someone is insured by an insurance.

Who Needs Dallas, TX Renters Insurance?

Who Needs Dallas, TX Renters Insurance? It’s so expensive, they are paying too much by the day. You may be responsible to provide a backup plan. Dallas Buyers Insurance Plan: The Dallas Buyers Insurance Plan consists of 3 separate packages. Each covers the same thing and costs less than the other parts of the plan. Liability Insurance: The law only requires liability insurance. You need to give the money you give them to the insurance company to make sure that you are not overpaying. This insurance is required by Dallas Buyers, TX and not included through auto insurance policies. Buyers Insurance: The Dallas Buyers have an insurance program that has a discount. In order to protect what is necessary it is a policy called ABIL. Policies You Need to Understand How does a policy like this pay out for your insurance? In the Dallas Buyers Insurance, everyone who needs to be covered has to have a policy that will cover them against some unforeseen event. This law is part of.

Insurance Learning Center

Insurance Learning Center) 2019 - Mar 11, 2018 updated While this policy should only be a temporary measure on your own, not the only option, be prepared for some of the more serious financial situations if you don’t have to. If your home is damaged and its contents were stolen or damaged in nature, you would be at a higher risk of losing your entire savings — and your insurance premium — on any of the expensive items, such as collectibles, collectibles, furniture and other valuables that make up a very expensive home. You could have been better off selling your home to a friend for the privilege of providing them with this valuable type of protection. But just because you aren’t currently covering all of the items that might make it worth your while, does this mean you shouldn’t be buying a home when a hurricane hits. There are many other ways to protect your home and its contents, none of.

Renters insurance rates in Dallas by insurance company

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Get cheap renters insurance in Texas

Get cheap renters insurance in Texas if you live in San Antonio. Just pick the lowest ZIP code and fill out and submit the quote form for the quote you were interested in – Get the Best Rates From Cheapest Car Insurance Companies in San Antonio TX Cheapest Auto Insurance has got you covered. We can help you with the following auto insurance coverages including TACO, DRIVERSIDE, SOUTHERN MOTORVILLAH... Get cheap renters insurance in San Antonio TX If you don’t know, San Antonio is one of the most affordable, most affordable cities for renters insurance. And so much more. Renters insurance saves money for you when you’re not using your own property, so your home becomes less expensive. Renters insurance can help you protect the property and stuff from fire, storm, theft, and vandalism. You can even bundle your renters insurance with your car insurance policy to be able to drive into the Austin Metropolitan. .

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advancetaxreliefexperts · 5 years ago

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CAN THE IRS TAKE MY HOUSE IF I OWE BACK TAXES?

Yes, the IRS can seize personal property, including real estate, if a taxpayer has neglected to pay outstanding taxes.

This action, also known as a tax levy, legally permits the Internal Revenue Service to collect property to settle a tax liability for which the taxpayer has received several notices and demands for payment.

Concerned whether or not the IRS can take your house? We’ve got your questions covered. In this post, we’ll share exactly what you need to know about when the IRS can take your home, when they cannot, what other items are subject to tax seizure, and how you can avoid it.

NEED HELP WITH IRS BACK TAXES, AUDIT REPRESENTATION OR SMALL BUSINESS TAX PREPARATION?

ADVANCE TAX RELIEF LLC www.advancetaxrelief.com BBB A+ RATED CALL (713)300-3965

HOW OFTEN DOES THE IRS SEIZE PROPERTY?

Asset seizure is something of a last resort that allows the IRS to settle back taxes that have not been paid; therefore, certain conditions must be met before they can take your house or other belongings. So, when can the IRS take your house?

The IRS can take your house (or other personal property) if you do not pay your taxes or take action to settle your tax debt.

As we mentioned, some other requirements must take place before your home or other assets can be seized under a tax levy.

The IRS usually needs to take these steps before enacting a tax levy:

1. Assess the outstanding tax and issue a Notice and Demand for Payment (tax bill) Determine that the taxpayer has refused or neglected to pay the tax

2. Send the taxpayer a Final Notice of Intent to Levy and Notice of Your Right to a Hearing (levy notice) at least 30 days before implementing the levy.

What happens when the IRS decides to take your property? If the IRS applies a tax levy and decides to seize your property, they will sell the asset and apply the proceeds of the sale to your outstanding tax debt.

Before the actual sale of the property, the Internal Revenue Service will first calculate and provide you with a minimum bid price. From there, you’ll have the chance to challenge the fair market value if necessary. Then, they’ll issue you a notice of sale and announce the sale to the public.

Once the public has been notified of the sale, the IRS will typically wait at least 10 days before selling your property. The proceeds from the sale will go toward the cost of seizing the property, selling it, and the remainder will be used to help satisfy your tax debt. If there is excess money left over after the sale is complete, you can obtain a refund.

While the IRS may pay a visit to your home under an investigation, to discuss taxes owed, or during an audit, it’s important to know your rights and recognize when something’s not right.

The IRS says taxpayers should verify that the visitor is really an IRS representative by requesting to see their credentials, and be aware that at-home visits typically only occur under the following circumstances:

If you want to get your seized property back, you’ll want to take immediate action to resolve your tax debt. Contact the IRS immediately to request a seizure release, or enlist the help of a tax professional to expedite the process. The IRS can also release your seized assets if they find that the collection of your property imposes economic hardship. If your request to have the seizure released is not approved, you’ll have the opportunity to appeal.

There are also several circumstances where the IRS would be required to undo the seizure of your property:

1)If you fulfilled your tax liability 2)The collection period ended before the seizure took place 3)If releasing the asset back to you would help you cover your tax balance. 4)You enroll in an installment agreement program and the agreement prohibits the seizure of your assets. 5) If the collection of your assets would result in economic hardship; preventing you from meeting your basic needs and living expenses.

The value of the property exceeds the amount owed and if the release of the asset would not prevent the IRS from collecting the tax debt owed.

Getting the IRS to release your property isn’t an easy process to navigate. For help dealing with the IRS, settling your tax debt, and more information on how to stop a tax levy, contact Advance Tax Relief at (713)300-3965.

Can the IRS take my car? What other assets can the IRS seize?

The IRS can take your home to satisfy tax debt, but can they collect your car or other pieces of personal property? Yes. A tax levy legally permits the IRS to seize property including:

Your personal vehicle Real estate Putting a levy on your bank account Wages, through wage garnishment Investments Collectibles Basically any asset that could be liquidated in order to satisfy an outstanding tax bill. However, as we mentioned, certain circumstances would render some personal items off-limits; for example, if seizing your home would cause economic hardship, the IRS may be forced to take other actions.

HOW CAN I PROTECT MY ASSETS FROM THE IRS?

When it comes to avoiding trouble with the IRS, it’s in your best interest to play by the rules. Whether it’s filing and paying your taxes or responding to IRS notices, it’s important to be timely, accurate, and thorough with your actions.

If you do find yourself in tax debt, wondering, “can the IRS take my house?”, here are some steps to consider taking to stop a tax levy:

A) Consider how you can shift your finances to cover your tax debt in full.

B) Enter an installment agreement to settle your tax debt if you cannot pay in full.

C) Request an offer in compromise to see if the IRS will allow you to resolve your tax debt for a smaller amount.

D) See if your taxes can be classified as uncollectible.

If you’re not sure which of these methods to apply, or just want to maintain your good standing with the IRS, our team can help! From tax preparation to resolution, our tax professionals can help you find the best way to deal with any tax-related challenge you’re facing.

Wrapping up – how Advance Tax Relief can help Failing to meet your civil responsibilities as a U.S. taxpayer can result in some serious consequences, like the seizure of your house or other personal possessions. In the event that you neglect or refuse to pay back taxes to the IRS, and are threatened with a tax levy, you’ll want a team of tax professionals on your side.

From explaining your rights as a taxpayer to helping you take the most efficient and responsible course of action, our team is here for you. Not sure how to approach your tax dilemma? Contact us for a free tax consultation today

GET TAX RELIEF HELP TODAY

If you think that you may need help filing your 2018/2019 tax return and past due tax returns, you may want to partner with a reputable tax relief company who can help you get the max refund and reduce your chances for an IRS AUDIT.

Advance Tax Relief is headquartered in Houston, TX with a branch office in Los Angeles, CA. We help many individuals just like you solve a wide variety of IRS and State tax issues, including penalty waivers, wage garnishments, bank levy, tax audit representation, back tax return preparation, small business form 941 tax issues, the IRS Fresh Start Initiative,

Offer In Compromise and much more. Our Top Tax Attorneys, Accountants and Tax Experts are standing by ready to help you resolve or settle your IRS back tax problems.

Advance Tax Relief is rated one of the best tax relief companies nationwide.

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mlmcompanies · 7 years ago

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Monat is like the “doterra” of hair products.

They “get it.” They understand that the only way a direct sales company has success is by the value created by their products.

In other words, would anybody buy these if there wasn’t an “opportunity” involved?

For 99% of MLMS, that answer is “no.”

Why would I know?

Well, I’ve studied the space for years and run two of the biggest network blogs in the world.

Monat is on my short list of companies that actually have a product that is innovative and provides market value…

If only they weren’t embroiled in a rash of heavy-hitting lawsuits. Keep reading to learn more.

FAQ

1. What does Monat sell? Monat focuses exclusively on hair care. Product lines include Hydration, Volume, Densify Duo, Stylized, Power Boost, Magnify, Monat Junior, Monat Black, Colour Enhance, Effortless Style, R3, Advanced Hydrating, and Restructuring.

2. What are Monat’s most popular products? The Smoothing Deep Conditioner works on all hair types to nourish, control frizz, and add brilliant shine. The Rejuveniqe Oil Intensive adds 13+ natural plant and essential oils, antioxidants, and nutrients to your scalp and hair for instantly healthier hair and shine.

3. How much does it cost to join Monat? You can join for $99 USD or $125 CAD, with an annual $19.95 renewal fee.

4. Is Monat a scam? No, they’re a legit business that’s been well-regarded in the industry. They’ve been awarded the 2018 Making a Difference Award and the 2017 Journey to Success Award by the DSA of Canada; the 2016 Gold Stevie Award, Silver Stevie Award, and Bronze Stevie Award from the American Business Awards; and the 2016 Silver Stevie Award and Bronze Stevie Award by the Stevie Awards for Women in Business. They’ve also been featured by NBC, ABC, and the Hallmark Channel.

5. What is Monat’s BBB rating? D

6. How long has Monat been in business? Since 2014

7. What is Monat’s revenue? $314 million

8. How many Monat distributors are there? 120,000

9. What lawsuits have been filed? In the first five months of 2018, Monat racked up nine lawsuits. The cases related to misleading marketing about the safety of their products, failure to warn consumers that the products may cause hair loss or damage, and several alleging they operate a pyramid scheme. (That one’s to be expected, right?) [1, 2, 3] Amid all this legal trouble, two women tried to shut down Monat from defending themselves with defamation lawsuits. In April 2018, a federal judge ruled in favor of Monat, giving them freedom to protect themselves from online attackers intent on defaming the company without evidence. [4]

10. Comparable companies: Arbonne, Pure Haven Essentials, Oriflame, Perfectly Posh

They’ve been an impressive company, but the sudden onslaught of lawsuits doesn’t look good.

The truth is, if they weather them, they’ll be stronger than ever, much like Amway and other MLM big names. So should join them?

Not necessarily. There are still better ways for ladies to make “side money” from home.

Business opportunity-wise, there are much better out there.

Click here for my #1 recommendation

(Doterra, Scentsy and Jeunesse are other product-first examples of MLMs that provide value…but the vast majority are overpriced and provide little value to the marketplace.)

Beauty is a crowded space in network marketing. Monat is more of the “up-and-coming” in this category, and definitely has the most “buzz.”

Overview

Monat does everything that most MLMs try to do but fail at miserably.

They are classy and forward-thinking. Their products are naturally based and backed by tons of research. Their home parties are actually sort of fun.

And they’re trendy AF:

// <![CDATA[ trends.embed.renderExploreWidget("TIMESERIES", {"comparisonItem":[{"keyword":"monat","geo":"","time":"today 12-m"}],"category":0,"property":""}, {"exploreQuery":"q=monat&date=today 12-m","guestPath":"https://trends.google.com:443/trends/embed/"}); // ]]>

Monat was launched just a couple years ago in 2014 by Luis and Rayner Urdaneta. They’re headquartered in Miami, Florida. Monat stands for Modern Nature.

Within just one year of launch, Monat was already pushing $25 million in annual revenue. They hit the ground running fast, and it’s really no wonder.

For starters, brother-son duo Luis and Rayner had already run one very successful direct sales company in the cosmetics niche: L’eudine. They’re a massive ($200+ million in annual revenue) MLM in Latin America that has recently started to expand into the United States.

What’s more, Monat is a subsidiary of parent company Alcora, also founded by Luis. So they already had some massive capital and experience to work with when they finally started up Monat.

By 2016, annual sales for Monat was already at $41 million. All this won them the 2016 Gold Stevie award for Startup of the Year.

How much does Monat cost? Monat has a $99 start-up fee that includes a kit filled with marketing materials and training information.

Products

Monat sells naturally-based (vegan and cruelty-free) hair care products at a premium price, and it’s working well for them. Their products are scientifically tested and very popular among their loyal following.

One of the reasons Monat has done so well is that they’ve formulated products that combat specific hair care issues that many people suffer from such as hair loss, aging, dandruff, and thinning/breakage.

Some have reported an itchy scalp at the beginning, but this is part of the repair process. Something must have gone wrong in early 2018, though, because the sores didn’t go away, and some people experienced hair loss or hair damage.

You’ve got products like Head & Shoulders for dandruff, but they’re full of parabens and harmful chemicals. Monat isn’t supposed to have those type of products, so the rash of lawsuits over their harmful ingredients is surprising. We’ll see how whether they can come out on top.

In spite of the bad press, the concept of their hair products remains good.

You’ve heard of anti-aging creams and foundations (see the top cosmetic and skincare MLMs), but have you heard of anti-aging hair care products?

Probably not, because Monat is the first company to develop products that fight hair aging.

Yes, hair ages. According to a study done by the University Hospital of Zurich’s Department of Dermatology and Hair Clinic, aging causes weathering of the hair shaft and aging of the hair follicle. Aside from graying, this also causes your body to decrease its hair production greatly over time, and it causes hair loss.

The primary formula that Monat uses to combat these effects is their Rejuvinique oil, which can be found in most Monat products. It’s composed of a patented blend of 11 different oils that are designed to keep your hair follicles healthy and promote hair growth by restoring your hair’s essential oils and nutrients.

Monat products are made from high-quality botanicals and essential oils, and they don’t contain sulfates, silicone, parabens, harsh fragrances, and other fillers. Unlike most hair products, Monat’s aren’t a short-term fix that will damage your hair with harmful chemicals in the long run.

Their most popular product is their intense care shampoo:

As well as their intense care conditioner:

They aren’t cheap, at all. Don’t expect drugstore prices. However, if you compare them to high-end salon products, the pricing is about the same. Most products range from $30-$60. Their Magnify Treatment System, meant to increase volume, comes with a shampoo, conditioner, and mousse for $99.

Compensation Plan

Of course, if you enroll as a distributor, you get pretty generous discounts on these products.

There are 5 ways to earn with Monat:

Sales Commissions

Sponsor & Develop

Builder Bonus

Advancement Bonuses

VIP Customers Sales

Sales commissions range all the way up to 40%, which is very generous.

It’s pretty much as high as it gets in MLM, with the exception of a select few that offer up to 50% commission. You do have to work pretty hard to reach that 40% commission rate though, as it requires you to sell a lot of product on a monthly basis.

Sponsor & Develop is the bread and butter of this plan. This is where you get rewarded for building up a large, successful downline, and it’s where you’ll make most of your money if you do well with Monat. Aside from a $100 fast start bonus and a $150 fast builder bonus, you can also earn up to 12% in unilevel bonuses, 4% in generational bonuses (up to 5 levels deep), and a 5% network bonus.

Builder Bonus is for folks who move up quickly to Silver or Platinum status and help their team members do the same. You can earn a $500 or a $1,000 bonus.

Advancement Bonuses are matching bonuses that you can earn on the achievements of your direct recruits. They range from $150 to $500.

VIP Customers Sales are customers that have signed up for the VIP program, which puts them on a recurring monthly autoship for their favorite products. You’ll earn a 15% commission on their monthly purchases without even lifting a finger.

Recap

Honestly, I think these guys have some great things coming in their future…

If they can weather the lawsuits they’ve been hit with, that is.

They’ve got an innovative product, a pretty decent compensation plan, and solid leadership.

Product-wise: excellent.

Opportunity-wise: great, considering they’re a multi-level marketing company.

I’ve been involved with network marketing for almost ten years so I know what to look for when you consider a new opportunity.

After reviewing 200+ business opportunities and systems out there, here is the one I would recommend:

Click here for my #1 recommendation

#MLM companies #network marketing companies

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antionetterparker · 7 years ago

Text

Monat: Innovation and value gone very wrong [Review]

Monat is like the “doterra” of hair products.

They “get it.” They understand that the only way a direct sales company has success is by the value created by their products.

In other words, would anybody buy these if there wasn’t an “opportunity” involved?

For 99% of MLMS, that answer is “no.”

Why would I know?

Well, I’ve studied the space for years and run two of the biggest network blogs in the world.

Monat is on my short list of companies that actually have a product that is innovative and provides market value…

If only they weren’t embroiled in a rash of heavy-hitting lawsuits. Keep reading to learn more.

FAQ

3. How much does it cost to join Monat? You can join for $99 USD or $125 CAD, with an annual $19.95 renewal fee.

5. What is Monat’s BBB rating? D

6. How long has Monat been in business? Since 2014

7. What is Monat’s revenue? $314 million

8. How many Monat distributors are there? 120,000

10. Comparable companies: Arbonne, Pure Haven Essentials, Oriflame, Perfectly Posh

They’ve been an impressive company, but the sudden onslaught of lawsuits doesn’t look good.

The truth is, if they weather them, they’ll be stronger than ever, much like Amway and other MLM big names. So should join them?

Not necessarily. There are still better ways for ladies to make “side money” from home.

Business opportunity-wise, there are much better out there.

Click here for my #1 recommendation

(Doterra, Scentsy and Jeunesse are other product-first examples of MLMs that provide value…but the vast majority are overpriced and provide little value to the marketplace.)

Beauty is a crowded space in network marketing. Monat is more of the “up-and-coming” in this category, and definitely has the most “buzz.”

Overview

Monat does everything that most MLMs try to do but fail at miserably.

They are classy and forward-thinking. Their products are naturally based and backed by tons of research. Their home parties are actually sort of fun.

And they’re trendy AF:

Monat was launched just a couple years ago in 2014 by Luis and Rayner Urdaneta. They’re headquartered in Miami, Florida. Monat stands for Modern Nature.

Within just one year of launch, Monat was already pushing $25 million in annual revenue. They hit the ground running fast, and it’s really no wonder.

What’s more, Monat is a subsidiary of parent company Alcora, also founded by Luis. So they already had some massive capital and experience to work with when they finally started up Monat.

By 2016, annual sales for Monat was already at $41 million. All this won them the 2016 Gold Stevie award for Startup of the Year.

How much does Monat cost? Monat has a $99 start-up fee that includes a kit filled with marketing materials and training information.

Products

In spite of the bad press, the concept of their hair products remains good.

You’ve heard of anti-aging creams and foundations (see the top cosmetic and skincare MLMs), but have you heard of anti-aging hair care products?

Probably not, because Monat is the first company to develop products that fight hair aging.

Their most popular product is their intense care shampoo:

As well as their intense care conditioner:

Compensation Plan

Of course, if you enroll as a distributor, you get pretty generous discounts on these products.

There are 5 ways to earn with Monat:

Sales Commissions

Sponsor & Develop

Builder Bonus

Advancement Bonuses

VIP Customers Sales

Sales commissions range all the way up to 40%, which is very generous.

Builder Bonus is for folks who move up quickly to Silver or Platinum status and help their team members do the same. You can earn a $500 or a $1,000 bonus.

Advancement Bonuses are matching bonuses that you can earn on the achievements of your direct recruits. They range from $150 to $500.

Recap

Honestly, I think these guys have some great things coming in their future…

If they can weather the lawsuits they’ve been hit with, that is.

They’ve got an innovative product, a pretty decent compensation plan, and solid leadership.

Product-wise: excellent.

Opportunity-wise: great, considering they’re a multi-level marketing company.

I’ve been involved with network marketing for almost ten years so I know what to look for when you consider a new opportunity.

After reviewing 200+ business opportunities and systems out there, here is the one I would recommend:

Click here for my #1 recommendation

via https://mlmcompanies.org/monat/

0 notes

scienceofstatisticaltrading · 8 years ago

Text

News Reflections 171017

1. Small Endowments May Get to Invest in Bridgewater Associates Bridgewater associates is getting Cambridge Associates, a consultancy firm, to pool together funds from its clients in order to meet Bridgewater’s investment threshold, which is “requires that clients have at least $7.5 billion of investable assets in order to put money into the hedge fund. Many investors pay at least $500,000 — and sometimes as much as $4 million — a year in fees to Bridgewater.” This may be due to Bridgewater trying to start a new fund, which will invest primarily in China securities. “The possible arrangement with Cambridge is part of a broader effort by Bridgewater to rake in more assets.The firm is working on a new China-focused portfolio that will invest mainly in Chinese bonds, stocks and commodities. The fund will be open only to investors who do not live in China.” Another interesting facet of this news is a. Bridgewater’s AUM - “ Bridgewater Associates, a hedge fund firm with $160 billion in assets under management” b. Performance of Bridgewater’s main funds “Bridgewater’s two main hedge fund portfolios — Pure Alpha and All Weather — both posted big market-beating returns in 2010 and 2011. But in recent years the performances of those funds have been far more modest.This year the Pure Alpha fund is down about 2 percent, and All Weather is up more than 8 percent through the end of September. The average hedge fund, as measured by Hedge Fund Research’s broadest index, is up 5.7 percent this year.” Reflections: Hedgefunds have only been up 5.7% this year? That’s pretty bad isn’t it. It seems that maybe Hedgefund’s are doing bad now because the stock market as a whole has been rising. Is it due to index investing? 7.5billion in order to invest. Holly molly that’s alot. I guess that’s what happens when you go institutional. There’s something interesting going on in China if Bridgewater wants to have a China fund. 2. China's Outlook and the Case for Quality Credit in Asia “China’s macro environment has remained supportive of capital markets, with an improvement in growth momentum in the first half of the year (beating expectations at 6.9% year-on-year). In addition, capital outflows, which placed downward pressure on the yuan last year, have slowed and foreign exchange (FX) reserves have stabilized.” China’s economy seems to be growing while the Government is trying to keep yuan’s price stable? And the article suggests that this may be due to “This year's calm was initially driven by macroprudential measures and higher money market rates.” Investors are confident about China’s future and the Asian economy has been doing well. “According to our estimates, in the first three quarters of 2017, emerging Asia has seen inflows of around U.S. $90 billion. Fixed income inflows have outweighed equity inflows by about 2 to 1.” Does this mean that more people are investing in Fixed Income from China, at a 2:1 ratio to investment in stocks? Preference for investment grade credit Local investors have led to strong performance in Asian credit, despite higher than expected issuance. “We favor IG credit over HY in Asia given more attractive relative value opportunities and the fundamental improvement in IG. Local demand for IG credit is also more reliable, whereas the demand for HY is not as uniform and holds more idiosyncratic risk. This results in stronger technicals for IG relative to HY. Within IG in Asia, we favor the A-rated sector, which provides approximately 55 basis points (bps) in pickup over similarly rated U.S. IG. For BBB-rated credits, the spread is around 40 bps, while Asian HY trades almost flat to U.S. HY, further reducing its attractiveness.” Three key risks for China’s economic outlook a. North Korea b. U.S. Trade policies c. China’s policy errors. “Any rise in U.S. protectionism would affect export-oriented segments of Asian credit, and a geopolitical crisis on the Korean Peninsula could lead to broader contagion in the region.” Reflections: Growth a in GDP growth? What kind of growth? Ans: Yes, I think it’s GDP growth target. What are capital outflows? Ans: Capital outflow is the movement of assets out of a country. Capital outflow is considered undesirable and results from political or economic instability. The flight of assets occurs when foreign and domestic investors sell off their holdings in a particular country because of perceived weakness in the nation's economy and the sense that better opportunities exist abroad. Effect of capital outflows on Exchange Rates? Ans: As capital exits, a nation's currency supply increases as individuals, as in the case of China, sell yuan to acquire U.S. dollars. The resultant increase in the supply of yuan decreases the value of that currency, decreasing the cost of exports and increasing the cost of imports. The subsequent depreciation of the yuan triggers inflation as export demand rises and import demand falls. What are macroprudential measures and higher money market rates? Ans: Macroprudential regulation is the approach to financial regulation that aims to mitigate risk to the financial system as a whole (or "systemic risk"). A large number of instruments have been proposed; however, there is no agreement about which one should play the primary role in the implementation of macroprudential policy. Most of these instruments are aimed to prevent the procyclicality of the financial system on the asset and liability sides, such as: Cap on loan-to-value ratio and loan loss provisions Cap on debt-to-income ratio The following tools serve the same purpose, but additional specific functions have been attributed to them, as noted below: Countercyclical capital requirement - to avoid excessive balance-sheet shrinkage from banks in trouble. Cap on leverage - to limit asset growth by tying banks' assets to their equity. Levy on non-core liabilities - to mitigate pricing distorsions that cause excessive asset growth. Time-varying reserve requirement - as a means to control capital flows with prudential purposes, especially for emerging economies. To prevent the accumulation of excessive short-term debt: Liquidity coverage ratio Liquidity risk charges that penalize short-term funding Capital requirement surcharges proportional to size of maturity mismatch Minimum haircut requirements on asset-backed securities In addition, different types of contingent capital instruments (e.g., "contingent convertibles" and "capital insurance") have been proposed to facilitate bank's recapitalization in a crisis event. A money market account is an interest-bearing account that typically pays a higher interest rate than a savings account. What is idiosyncratic risk? Ans: Idiosyncratic risk, also referred to as unsystematic risk, is the risk that is endemic to a particular asset such as a stock and not a whole investment portfolio. Being the opposite of systematic risk (the overall risk that affects all assets like fluctuations in the stock market or interest rates), Idiosyncratic risk can be mitigated through diversification in an investment portfolio. 3. The Money-Losing Volatility Trade That Hedge Funds Can't Resist A few hedgefund managers are betting on Volatility spiking. They believe that volatility is the most mispriced asset class right now. That we should be investing in volatility because the world seems to be in turmoil and the stock market seems to be “ignoring” it. “While the funds surged 46 percent as a group during the crisis in 2008, they’ve lost 9.1 percent this year and are down 17 percent over the last five years, according to Eurekahedge Pte. The five-year drop is the second worst among 20 categories after tail risk, a supercharged cousin of long volatility that bets on extreme market swings.The past few years “have created a whole graveyard of long-volatility funds,” said David Frank, the New York-based chief executive officer of Stonehaven LLC, which helps connect investors with alternative money managers.” There are many funds attempting to start a volatility fund soon. “That should be music to the ears of hedge fund managers like Brevan Howard. The firm is expected to start a long volatility fund soon, people with knowledge of the matter said. Funds planning similar launches this year include Astrid Hill, founded by Millennium Management alumnus Arun Singhal in Singapore, and One River Asset Management, a manager of $700 million led by Eric Peters in Greenwich, Connecticut, according to Singhal and One River marketing materials obtained by Bloomberg News.” Some people are unconvinced that the true pricing of volatility is priced in. “The low volatility environment just doesn’t make sense when you step out of markets and look at the real world,” said Steve Jacobs, BTG Pactual’s London-based head of asset management.” The three biggest arguments for rising volatility is a. Trump and North Korea b. Tighter Fiscal Policy c. China’s rising debt The argument against the flipside is stable global economic growth and controlled inflation in most parts of the world. Selling options has become attractive to investors who care more about earning extra income than protect themselves against market turmoil that may never materialize. “And in a lot of ways, that made sense: global economic growth has been stable and inflation has remained under control in most parts of the world. With bond yields hovering near historic lows, selling options (the contracts that underlie volatility gauges like the VIX Index) has become attractive for investors who care more about earning extra income than protecting themselves against market turmoil that may never materialize.”

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afbqquuradio-blog · 8 years ago

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Eliwell Controllori per unit centrali di condizionamento

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lets-misa-blog · 8 years ago

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How saying yes

. WE'RE STAYING ON TOP OF THE LATEST SCAMS AND THE NEWEST ONE TO HIT YOUR PHONE COULD GET YOU IN TROUBLE JUST FOR SAYING THE WORD "YES." HOW IT WORKS IN THIS 7 NEWS CONSUMER WATCH. Reporter: WELCOME TO A NEW LEVEL OF SCAM CALLED DECEPTION. IT STARTS INDEPENDENTLY ENOUGH WHEN YOU PICK UP A NUMBER YOU DON'T -- INNOCENTLY ENOUGH WHEN YOU PICK UP A NUMBER YOU DON'T RECOGNIZE LIKE AMY OWENS DID. AND SOMEONE SAID YOU'RE THERE AND I SAID WAIT A SECOND MY HEAD SET'S MESSING UP AND I PAUSED AND SHE CAME BACK ON AND STARTED SPEAKING VERY QUICKLY ABOUT A SPECIAL THAT THEY WERE HAVING, OR SOMETHING THEY WANTED TO SELL ME. Reporter: AT SOME POINT THE CALLER ASKS IF YOU CAN HEAR THEM. AND I SAID YES. ONE SIMPLE WORD THAT CAN BE USED AGAINST YOU. REPORTS TO POLICE AND THE BETTER BUSINESS BUREAU ACROSS THE COUNTRY SHOW THE SCAM ARTISTS RECORD AND YOU MAY USE YOUR AFFIRMATIVE ANSWER AS PROOF THAT YOU SIGNED UP FOR A SERVICE LIKE HOME SECURITY OR A CRUISE LINE. WE DON'T ADVISE PEOPLE TO CARRY ON THE CONVERSATION WITH THEM, IN THE EVENT THEY ARE RECORDING YOUR CHOICE, YOU KNOW THEY MAY BE USING YOUR RECORDING FOR FRAUDULENT CHARGES OR ANYTHING LIKE THAT. SO IT'S NOT -- THE BEST THING DO IS JUST TO HANG UP. THE BBB ADDS EVEN IF YOU'RE ASKED A SIMILAR QUESTION OR TO PRESS A BUTTON TO BE PLACED ON THE DO NOT CALL REGISTRY, DON'T DO IT. SAYING ANYTHING OR PRESSING THAT BUTTON MAY HELP SCAM ARTISTS IDENTIFY WHICH NUMBERS ARE ACTIVE. Reporter: KEEP IN MIND IT'S EASY TO MANIPULATE THE PHONE NUMBER. IF YOU DON'T RECOGNIZE IT, LET IT GO TO VOICEMAIL. OWENS PLANS TO REPORT IT THE TO FEDERAL TRADE COMMISSION, THE BEST WAY TO SHUT DOWN THESE ILLEGAL SALES TACTIC. IT'S A TOTAL INVASION OF PRIVACY THE. THE CALLER MAY HAVE YOUR CREDIT CARD AND IS USING THE CALL TO GIVE PERMISSION TO AUTHORIZED CHARGES.

See more here ttt: https://www.youtube.com/watch?v=-Xvqb37nNW8

#game #window #misa #i love it #ok #great #happy #i want more #fine

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