The U.S. Commodity Futures Trading Commission (CFTC) is requesting public comment on a petition submitted by LCH.Clearnet Ltd for an order pursuant to Section 4d(f) of the Commodity Exchange Act (Act).
Tampa real estate investing is the best opportunity that you can have in order to be a millionaire entrepreneur. With the aid of proper education, knowledge, information, and training, you can be successful even if it is your first time.
With lots of options in Tampa real estate, you can definitely find motivated sellers that will give you fat check and can give you the best deal you want. But before that, you need to be packed with valuable information, tips, secret, advices, methods, strategies that can help you out in Tampa real estate investing.
There are plenty of ways in order to gain all of these and to be armed as you enter Tampa real estate investing. You can enroll yourself in university that offers real estate investing. You can read plenty of books about real estate investing. Checking out some websites that provides tips, strategies and testimonials of successful investors can be done to learn as well.
It is a good idea to find a mentor that can help you with the basics. Let others guide you first until it will come to the point that you can guide yourself. You can attend some seminars about real estate investing and sign up for real estate investor forums so you can interact with successful investors, indeed, you can learn through their experiences.
Yes, there are lots of ways to prepare in Tampa real estate investing. You need to be well-equipped as you enter this venture in order to see great results and not just waste your money with nothing.
Definitely, the main reason why you want to enter Tampa real estate investing is to earn lot of profits like those successful investors who gain millions in investing. But those successful investors educate themselves first before they enter this venture, so you need to learn first as well.
In entering with new venture, you have to start with a business plan that includes marketing, advertising, continuing education, and strategies.
As soon as you gain the proper education and training that you need, you can now go on and enter the market and look for properties that you want. Actually, there are lots of types of investing, so you need to decide which one you can do best and focus to that type, this can help you gain success.
Hiring real estate agent can help you will your quest, he/she can assist you in finding the property or properties that you want and he/she can also help you out in selling it, if this is the type of investing you want. But you have to make sure to hire the right real estate agent, the one that has the proper expertise and experience regarding Tampa real estate investing.
Your agent will assist and guide you with your Tampa real estate investing. Actually, this venture needs lot of work so you have to hire persons that can help you out to have the best deals. You have to look for persons that are familiar with Tampa real estate market.
Personal finance is an essential part of life, but that doesn't mean you are naturally going to get the gist of things without the right training, education, and resources. If you are unprepared and unclear on the processes involved, you could make costly mistakes that you could have otherwise, avoided. Take these tips with you as you get into any type of personal finance projects that will require more understanding.
Read books about personal finance and make a point to do this consistently. Motivational books about personal finance keep you on your toes and help make you make great strides in this department. Dave Ramsey has some really great books out, and I definitely recommend his book Financial Peace. It is a great read!
Setting the water level in your toilet is a great way to decrease the amount of water that is used for each flush. There are simple blocks that hang inside your tank that will decrease the amount of water that is needed to fill your tank and shut the water flow off.
Use Skype for overseas calls. You will find that it is not going to cost you much money and it is going to be much easier than messing around with calling cards. If that is not an option, use your cell phone rather than the hotel phone. You may have to pay more for minutes on your phone but you avoid being overcharged by the hotel.
Make sure to keep track of every single expense when you write a check or use a debit card. Keeping track of what's in your bank account can help, as sometimes a payment can be taken out and it won't be reflected in your bank account until much later. Keep track of your finances and avoid those pesky overdraft fees!
Buy in Bulk. Stores like Costco and Sams Club are popular for a reason. A single person may not be able to use six cans of peanut butter in a reasonable time, but non perishable items like toilet paper may last you for a year! Buy in bulk what makes sense for you and add up the savings.
A great personal finance tip that can help you save money is to take some of your unused clothing to a consignment shop. If you have any clothes that are just sitting in your closet, you can make a little bit of money by selling them to a consignment shop.
Clear debts as soon as you can. Many debts are collecting interest as time goes on, and the interest rates can be very high. Getting rid of debts sooner allows you to pay less on interest and therefore, less overall. Save money by getting rid of debt, starting with the debt that has the highest interest rate.
Personal finance could be difficult to understand, but only if you aren't taking the time to learn what everything means, how it all works, and how it all fits into your life's financial matters. You could be successful in your attempts, but only if you use tips like these to get through each process.
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September 16, 2016 Contact: Office of Communications Phone: 202-693-1999 OSHA issues final rule establishing procedures for handling retaliation complaints under the Seaman's Protection Act WASHINGTO
What is the Right of Offset?
The Right of Offset provides a lender (i.e. Bank or Credit Union) a right in law to seize resources that a debtor could have in a deposit or asset account at that financial or standard bank, to cover that loan in standard. Additionally it is referred to as Right of Set-Off.
Do you know the potential risks of this Right of Offset?
If a person, few, or any other entity features a checking, savings, or any other form of deposit account in the same standard bank where they will have a charge card, auto loan, mortgage, various other financial obligation account, that individual or entity features exactly what do be viewed a banking conflict. Simply put, at any time a secured item account is held in the same financial establishment as a liability account, a possible banking conflict occurs because that banking institutions Right of Offset. This implies, if a person for reasons uknown fails to make repayments on a liability account, the bank gets the right in law never to just freeze that folks asset/deposit account, but to additionally seize any resources offered to offset the financial obligation because that standard bank.
What types of obligation records or debts does the straight to Offset pertain too?
a financial institutions freedom to work with the Right of Offset is set mostly by how they are chartered.
State chartered and regulated credit unions and banks, along with federal credit unions chartered and managed by the National Credit Union Association (NCUA) possess freedom and authority to work out their particular Right of Offset on both secured records or asset backed (i.e. mortgage loan, auto loan), and unsecured records (not backed by collateral) or open-ended revolving records (i.e. certain bank cards and credit extensions).
Federally chartered and regulated banks (i.e. Bank of The united states, Wachovia Bank, Wells Fargo) possess freedom and authority to work out their particular Right of Offset on secured, however unsecured records. A bank/financial establishments liberties and authority as it pertains to its using straight to Offset can vary greatly between establishments. To find the specifics of a certain establishment study these areas:
The establishments regulating authority.
The establishments user agreement received whenever setting up an account.
The establishments loan/debt documents or agreements received whenever setting up that loan.
Whom regulates condition chartered and federally chartered banks and/or banking institutions?
State chartered banks and banking institutions are managed by the specific state Department of Banking, Department of finance institutions, or Department of Finance that the financial institution or standard bank conducts business.
Federal credit unions are managed by The National Credit Union Association (NCUA).
Federally chartered National banks are managed by The Office of this Comptroller of this Currency (OCC). The OCC is a bureau of this U.S. Department of this Treasury.
How to protect my possessions?
Never ever believe that it will not occur to you. The current troubles contained in the existing economic climate have actually created unforeseen lay-offs and job losings. Expensive health problems occur each day. Make the after tips to protect your self:
1) split up your records. Maintain your asset and deposit records with establishments which are by no means associated or associated with banking institutions where you have actually financial loans or debt burden.
2) Monitor just who is the owner of your mortgage note. Home loan notes are bought and sold each and every day in the additional marketplace. Ensure a financial establishment where you keep your asset or deposit records does not purchase your mortgage note. If this does occur, move your possessions instantly to a different establishment.
3) don't keep your investment account at establishments for which you have actually financial obligation. A bank or standard bank will try to gather their money in the slightest feasible. They've teams of solicitors on retainer that constantly search for brand-new how to gather. As with every legislation there are always loop holes. Try not to put your self in a position to function as instance.
In conclusion, make your best effort to pay for your bills punctually. The Right and Righteous individuals out there that'll say that you just need certainly to honor your debts and pay your bills punctually. They are similar people who scream the loudest when they end up in an unexpected financial hardship, and locate that a financial establishment features offset their particular account leaving all of them no money for meals or fuel. There are not any absolutes in life, therefore program accordingly. Some proactive alterations in how you manage your financial today can save you lots of feasible future hardship.
Resource by Ron Capron
WASHINGTON In 2012, Congress authorized the Rental Assistance Demonstration (RAD) to test a new way of meeting the large and https://www.youtube.com/watch?v=DxXdiy_mDag improvement needs of the nation's aging public housing stock.
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The U.S. Commodity Futures Trading Commission's (CFTC) Market Risk Advisory Committee (MRAC) will hold a http://m.youtu.be/t_xLiIj8Lkw meeting on April 26, 2016 at the CFTC's Washington, DC, headquarters.
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There was a time when writing a personal check was a simple and straight forward thing. Somehow it has got complicated.
Firstly, many of us do not write checks very often so when we do have to there is always that niggling fear that we have messed it up.
Messing up a check is actually becoming more of an issue that it used to be. Now your check will be process by a machine and if the machine doesn't like what it reads it will reject it. This also applies if the machine is unable to read your check. The good old days of humans processing the checks are rapidly coming to an end.
So you have dredged the little grey cells and remembered how to write a check; you have used your best hand writing and it still gets rejected? The solution could be that you used the wrong check book. Many of us have several check books, we haven't finished one and for some reason the bank suddenly decide that we must need another. The problem with this is that the bank monitors the order in which the checks are received. It doesn't mind if one or two are missing form the order, the machine will assume that someone has not cashed one (possibly written as a deposit which was never needed) or you may have made a mistake and binned it. What the bank doesn't like is unexpectedly switching check books.
There is so much identify thief, which is costing the banks money, that they try to spot these before two many transfers have taken place. By using the wrong check book the bank will assume that your check book was stolen either from you (and you never noticed) or it was removed from the postal system and has never been received by you. A very clever idea. However, it doesn't take into account the fact that we all throw our check books in a drawer and then produce them, possibly in the wrong order, when needed!
The final and one of the most irritating reasons to have a check rejected is that you have not noticed a requirement of the person trying to cash the check. Some companies will have special requirements which they need to have added to the check for their machines to be able to correctly apply it. This is most common with either credit card payments or payments to utilities such as the water and gas companies. Unfortunately all these people obviously have different processing software as they all have different requirements.
So to guarantee that your check is processed without issue you need to be really careful, especially since you will probably receive a late payment fine if you don't get it right!
Writing a personal check should really be much easier than it is, but as long as we live in our world of technology it is unlikely to happen.
Source by Reg Maudling
New report shows hospital-acquired conditions continue to decline-drop 21 percent and 3 million fewer adverse events over a five year period
A report released by the U.S. Department of Health and Human Services (HHS) today shows that nationwide efforts to make health care safer are paying off. Thanks in part to provisions of the Affordable Care Act, approximately 125,000 fewer patients died due to hospital-acquired conditions and more than $28 billion in health care costs were saved from 2010 through 2015. In total, hospital patients experienced more than 3 million fewer hospital-acquired conditions from 2010 through 2015, the result of a 21 percent decline in the rate of these adverse events over that period. Hospital-acquired conditions are conditions that a patient develops while in the hospital being treated for something else. The decline in their incidence aligns with a major goal of the Affordable Care Act to improve the quality of health care.
The National Scorecard on Rates of Hospital-Acquired Conditions represents demonstrable progress over a five-year period to improve patient safety in hospitals. These data, compiled and analyzed by the Agency for Healthcare Research and Quality (AHRQ), build on results previously achieved and reported in December 2015. Last year's data showed that 87,000 fewer patients died due to hospital-acquired conditions and $20 billion in health care costs were saved from 2010 to 2014.
The Affordable Care Act gave us tools to build a better health care system that protects patients, improves quality, and makes the most of our health care dollars and those tools are generating results, said HHS Secretary Sylvia M. Burwell. Today's report shows us hundreds of thousands of Americans have been spared from deadly hospital acquired conditions, resulting in thousands of lives saved and billions of dollars saved.
Many federal efforts supported this progress toward a safer health care system, including the Partnership for Patients initiative, a public-private partnership working to improve the quality, safety and affordability of health care. HHS launched the Partnership for Patients in 2011 though the Center for Medicare & Medicaid Innovation to target a specific set of hospital-acquired conditions for reductions through systematic quality improvement. In addition, the Centers for Medicare & Medicaid Services (CMS), through a program created by the Affordable Care Act, worked with hospital networks and aligned payment incentives to bring about a shared and sustained focus on making care safer.
These achievements demonstrate the commitment across many public and private organizations and frontline clinicians to improve the quality of care received by patients across the county, said Patrick Conway, M.D., deputy administrator for innovation and quality and chief medical officer at CMS. It is important to remember that numbers like 125,000 lives saved or over 3 million infections and adverse events avoided represent real value for people across the nation who received high quality care and were protected from suffering a terrible outcome. It is a testament to what can be accomplished when people commit to working towards a common goal. We will continue our efforts to improve patient safety across the nation on behalf of the patients, families, and caregivers we serve.
Hospitals and health systems, along with their frontline clinicians, can take great pride in this progress, said Jay Bhatt, D.O., American Hospital Association Chief Medical Officer and president of AHA's Health Research & Educational Trust. Not only have they saved lives, but they've also developed tremendous capacity to tackle safety challenges a foundation that will help them get to zero incidents.
Hospital-acquired conditions include adverse drug events, catheter-associated urinary tract infections, central line associated bloodstream infections, pressure ulcers and surgical site infections, among others. These conditions were selected as focus areas because they occur frequently and appear to be largely preventable based on existing evidence.
Much of the evidence on how to prevent hospital-acquired conditions was developed and tested by AHRQ. For example, one of the tools used most frequently by hospitals is AHRQ's Comprehensive Unit-based Safety Program (CUSP), which is a proven method that combines improvement in safety culture, teamwork and communications with evidence-based practices to prevent harm and make the care patients receive safer. AHRQ has worked hand-in-hand with frontline clinicians to help them use CUSP in a series of nationwide projects that have been highly effective in preventing healthcare-associated infections.
AHRQ has been building a foundation of patient safety research for the last decade and a half at the request of Congress, said AHRQ director Andy Bindman, M.D. Now we're seeing these investments continue to pay off in terms of lives saved, harm avoided, and safer care delivery overall. We're gratified by the progress, and we look forward to building on this work to help make patient care even safer as the work continues.
AHRQ works with its HHS colleagues, researchers, doctors, nurses, other health care professionals, and health care teams across the country to create new knowledge about how to improve care and make it safer, in areas such as preventing healthcare-associated infections, combating antibiotic resistance, and reducing diagnostic error. As part of that work, AHRQ has developed a variety of methods, tools, and resources to help hospitals and other providers prevent hospital-acquired conditions, such as infections, pressure ulcers, and falls.
AHRQ also developed the measurement strategy for the National Scorecard as part of the Partnership for Patients initiative. Researchers at AHRQ used national data systems to analyze the incidence of 28 avoidable hospital-acquired conditions that occurred from 2010 to the first three quarters of 2015 and compared them to baseline estimates of deaths and excess health care costs for 2010.
HHS is committed to working with partners to capitalize on this success in improving patient safety and reducing health care costs while providing the best, safest possible care to patients.
View these data highlights as an infographic.
Editor's note: Data for this report are collected on a rolling basis. This report is considered interim because data for the last quarter of 2015 will be added in coming months. Overall findings are not expected to change significantly after additional data are added.
A report released by the U.S. Department of Health and Human Services (HHS) today shows that nationwide efforts to make health care safer are paying off.
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It is always a great idea to put some money away for a rainy day or for a future purchase. But where you put it is a personal choice depending on what your considerations are. Do you have security in mind? Or is it convenience perhaps? Whatever they may be, you might have thought of getting a piggy bank in which to store some extra money. It might help you if you understood what using one of these entails. There are obvious advantages as well as disadvantages that come with piggy banks.
We all have spare change left over from grocery shopping and other small purchases, and sometimes we just put it all over the house because we do not have a central place to deposit it. A coin bank will enable you to keep track of the small amounts of money that might otherwise simply lie around or get lost. It can also be a great way to actually save toward a small purchase such as something you saw on sale at the shop down the road. Small, regular deposits into the piggy bank will accumulate enough to reach the desired amount. There are some large piggy banks that are convenient for growing a decent saving, so that might be of interest to you.
Most piggy or coin banks by their very design are pleasing to look at. That means that besides using them to put away some money, you can also use them as decorative pieces in the house. The piggy bank may not necessarily come in the design of a pig, but some are modeled after other animals or objects. So you could choose to become a collector of them and make them serve the double duty of storing your money and brightening up your house.
When you are saving money, it is usually for a particular reason. Therefore, it is in your interest to ensure that it accumulates enough to achieve your goal. For instance, if you are saving to treat yourself to a night out on the weekend, it is possible to get tempted during the week to use the money for something else because it is readily available. It requires that you exercise self control and discipline to not raid the piggy bank at will just because it is convenient.
There are really no disadvantages of keeping money in a piggy bank except that you may get tempted to withdraw some amount when you need it. But it is really not such a bad idea to withdraw money when you need it. The piggy banks serve as your instant back-up plan. You have to go to a bank and withdraw money and that involves time and energy. On the other hand withdrawal from a piggy bank home is very easy.
Source by Grace T Thompson