#2015 pwc

[viper-motorsports]

Lone Star Racing blitzes the desert stretches of the 2015 PWC Championship at Miller Motorsports Park UT US where their N°80 Dodge Viper GT3-R finished fifth in class.

[yaolukexi]

2015 PWC COTA post race interview

[aviaposter]

ATR 72-600 Azul Brazilian Airlines

Registration: PR-AQO Named: Vamos de Azul Type: 72-600 (-212A) Engines: 2 × PWC PW127M Serial Number: 1138 First flight: Mar 13, 2014

Azul Linhas Aéreas Brasileiras S/A, commonly known as Azul Brazilian Airlines, is a prominent airline based in Barueri, a suburb of Sao Paulo, Brazil. The airline’s business model focuses on stimulating demand by offering frequent and affordable air travel options, particularly targeting underserved markets across Brazil.

The airline was founded on May 5, 2008, by David Neilman, a Brazilian-American entrepreneur who also established JetBlue and Breeze airlines in the United States. Azul began its operations on December 15, 2008, and has since grown significantly. It currently stands as the third largest domestic and second largest international airline in Brazil.

In 2015, Azul initiated a fleet modernization plan by phasing out its older ATR 42-500 and ATR 72-500 aircraft, replacing them with the more advanced ATR 72-600 models. Today, Azul boasts a fleet of 40 ATR 72-600 aircraft, making it the leading airline in Brazil for servicing small airports with short runways.

Poster for Aviators aviaposter.com

[wherewhereare]

Buggs Spamming

@country-wannabe was originally a Shelbert blog. She hasn't posted anything since mid 2021. She goes back to 2014, which of course, everything between then and 20 July 2015 is about them. I will just say she did not come over the to the Darkside (Shefani world) with great acceptance, as she felt her blog was about Blake. Eventually she was assimilated. But what is interesting, is that there is an archive that shows the emotions, falsehoods, truths, some hate, etc about BS and ML's divorce from just before it happened through to, not sure. This is stuff I don't have in my archive, and the only way to get it there is to repost her stuff.

There will be more spam, for the rest of 2015, I am sure November will be very interesting, to read. Blake and Gwen flew to attend the CMAs on 4 Nov. Gwen was only backstage. Unfortunately, her, or his, or both (have heard conflicting reports) that based on the fact the paps had caught them being very cozy with each other at Halloween parties (day of and next) the publicists decided to announce to the world that Blake and Gwen were officially dating due to the paps finding out that Gwen was with Blake on the plane. Unfortunately, the announcement apparently came out while ML was on the red carpet. MLs fans, when they found out about the timing went ballistic, accusing Blake and Gwen of trying to diminish ML.

The hate was there before, but, when this happened, it basically exploded from some of the hardcore ML Fans. We here started referring to these off the wall people as ranfans to differentiate them from the sane fans of ML. From then on, we saw a lot of unsubstantiated hate from these people. Some were absolutely psycho. There are still a few on twitter and some show up in mine and PWC's blog to screw with us.

Gwen, and Blake denied that they told their publicists to release the information.

Bottomline, more coming.

[sublimeobservationarcade]

Coalition Responsible For Consulting Crisis

10 years of Liberal/National federal governments stripped the public service of 15, 000 jobs and opened the door for consultants PwC, KPMG, EY, and Deloitte to feast on government contracts to the tune of billions of dollars. Coalition responsible for consulting crisis, as insider mates shuffle jobs between government and the big 4 consultancy/auditing firms to ensure the flow of business and big bucks. Four Corners has revealed the incestuous relationships in the Department of Defence and KPMG via whistleblowers telling their story about what has been going on. Pigs with snouts in the trough comes to mind as an analogy about what has been occurring. “It has been the Coalition's official benchmark for "responsible management" since 2015; a target that prime ministers Malcolm Turnbull and Scott Morrison also pursued. More than 15,000 government jobs were abolished as a result.” - (https://www.abc.net.au/news/2021-05-13/has-federal-budget-2021-ended-coalition-war-on-public-servants/100133980) https://www.youtube.com/watch?v=pduOqZPnqVc

Dishonest & Dodgy Coalition Governments Dealing Billions To Consultants

The lack of transparency is a major issue and questions have to be asked whether this was a deliberate strategy by the Coalition in government. Outsourcing, what has always been the work of government through the public service, means that these consulting firms are not scrutinised to the level government departments usually are. The Abbott, Turnbull, and Morrison governments moved much of their work of government to these private consulting firms. Public funds normally allocated to the trusted public service were diverted to these private companies. The PwC tax scandal has shown clearly that these firms are not to be trusted with sensitive and confidential government information.

“Former KPMG partner urges royal commission into consulting industry following damning report into PwC scandal” - (https://www.theguardian.com/business/2023/jul/06/former-kpmg-partner-urges-royal-commission-into-consulting-industry-following-damning-report-into-pwc-scandal) “PwC Australia has sacked eight partners, including its former CEO Tom Seymour, over their direct involvement in or knowledge of the tax leak scandal which has engulfed the consulting firm.” - (https://www.abc.net.au/news/2023-07-03/asx-markets-business-live-news-july-3/102553582)

Neoliberal Coalition Oversees Erosion Of Ethics  & Professional Standards

Overcharging and extending contracts is rife in the consulting sector and via these government contracts they have gone to town. Tens of billions of dollars have been siphoned off into the hands of these firms and their insider mates of the Coalition. Scott Morrison has a lot of questions to answer re-Robodebt and PwC was involved in this illegal debacle as well. It is time that these people were brought to justice and prosecuted. The erosion of ethics and professional standards has been overseen by the Coalition in power. Screwing the taxpayer out of money and feathering the nest of private individuals has been happening on a very large scale. “Collins had breached a series of confidentiality agreements made with federal Treasury and the Board of Taxation that gave him access to various consultative forums as a senior partner in the local branch of a global accounting firm. Information obtained during those processes was used to brief local and international tax partners or staff on what the government was doing in specific areas of taxation. It was publicly known that Collins had shared knowledge that he should not have shared, as was the fact that his former firm, PricewaterhouseCoopers (now PwC), was given a disciplinary penalty that required it to tighten up training and procedures.” (https://www.themandarin.com.au/219292-damning-emails-reveal-former-pwc-peter-collins-multiple-breaches/

Liberal Vision Of Australia All About Wealth At Any Cost For The Few These people at the heart of these big 4 consultancy firms have earned millions of dollars. They live in big houses in exclusive suburbs worth millions of dollars, and they drive very smart cars. Insider trading is illegal and yet these accountants have trod an inside track thanks to their Coalition mates in power. A decade of Coalition governments has overseen the massive expansion of private consultants taking over the public service. Liberals screwing the Australian people for their own advantage. Profits and avoiding public scrutiny by Abbott, Turnbull, and Morrison are at the heart of this betrayal of trust. “The previous Coalition government spent $20.8bn outsourcing more than a third of public service operations, an audit has found. The federal government released the findings of the Australian public service audit of employment on Saturday, which examined the hiring practices and associated costs of 112 public service agencies, excluding the CSIRO, Australian Broadcasting Corporation, and parliamentary departments. It found the equivalent of nearly 54,000 full-time staff were employed as consultants or service providers for the federal government during the 2021-2022 financial year – the equivalent of 37% of the 144,300-employee public service.” - (Stephanie Convery, The Guardian, 6 May 2023) Conservative voters in Australia are hoodwinked into voting for the Coalition on the basis of socially conservative policies. Meanwhile, we are all shafted via insider trading for their mates and plum government contracts for wealthy friends in the consultancy business. Hundreds of millions of dollars of public funds being siphoned off into the hands of these dubious individuals. Donald Trump and the Republicans have written the modern rule book for this grifting behaviour in government in recent times. Trump is a hero for these conservatives combining billion dollar grift with authoritarian power to keep any dissenting voices in check. Look at the list of questionable activities undertaken during the Abbott, Turnbull, and Morrison governments. - Climate change and global warming – the Coalition has put back Australia at least a couple of decades via their inaction and manipulation of government policies in this space. - Consultancy Crisis/Gutting the Public Service – tens of billions of dollars going into private hands via overcharging, wasteful practices, and neutering public scrutiny and the voice of the public service. - Robodebt – the Robodebt scheme was cooked up by Scott Morrison and was illegal, but put into practice anyway. 500, 000 Australians were wrongly accused of owing large amounts of money to the government. People killed themselves in despair over this! A settled class action has cost taxpayers $1.6 billion so far. A Royal Commission was scathing in its condemnation and recommendations for further prosecution against those administering the scheme. Scott Morrison, of course, denies any wrong doing and responsibility for something he instigated. - Sports Rorts – pork barrelling taken to another level, as Coalition ministers direct spending to swing voter seats in a bid to shore up support for their electoral cause. Australians in Labor seats miss out on investment into their infrastructure because of where they reside and the political bellwether situation. - Uluru Statement from the Heart – 10 years of Coalition government denied this call from Aboriginal and Torres Strait Islander Australians for a place at the big table. Whenever Liberal/National governments come to power they invariably dismantle and defund Indigenous bodies and programs, which were established by Labor governments to close the gap. Whether it is politics over concern for First Nations’ people or just out and out racism the end result is the same. Is it any wonder that First Nations’ Australians want a Voice to Parliament written into the Constitution. Peter Dutton is leading the No vote against the Voice in the referendum. The Nationals also oppose it. Mean spirited, racist, and, generally, lacking compassion are all ways to describe this behaviour. - Housing Crisis - Where has all the social housing in Australia gone? Neoliberal economic policies have given everything over to the private sector and the profit motive. Needy and vulnerable? Tough luck, you're stuffed in Oz these days. - Corporate Profits Driving Inflation - A concentration of corporate power via takeovers and mergers means that price setting is rife in Australia. Bugger all competition (where and what has the ACCC been up to?) in the banking sector, supermarkets, audit firms, airlines, real estate, mining, energy sector, and everywhere you seek to do business is an oligopoly. Robert Sudha Hamilton is the author of Money Matters: Navigating Credit, Debt & Financial Freedom ©WordsForWeb

Read the full article

[diemtin24hhomnay]

Novaland chấm dứt hợp đồng kiểm toán với PwC sau gần 10 năm hợp tác

Lý do Novaland kết thúc hợp đồng với PwC

Công ty Cổ phần Tập đoàn Đầu tư Địa ốc No Va (Novaland, mã: NVL) vừa thông báo chấm dứt hợp tác với Công ty TNHH PwC Việt Nam - đơn vị kiểm toán đã đồng hành với tập đoàn từ năm 2015. Hợp đồng kiểm toán giữa hai bên đã chính thức được thanh lý vào ngày 19/11/2024. Nguyên nhân chính được Novaland đưa ra là do dịch vụ kiểm toán của PwC không đáp ứng yêu cầu cần thiết để đảm bảo tiến độ kiểm toán và công bố báo cáo tài chính đúng quy định, ảnh hưởng trực tiếp đến tình hình niêm yết của doanh nghiệp.

Novaland nhấn mạnh rằng trong quá trình hợp tác, đã xảy ra tình trạng chậm trễ trong công bố thông tin tại một số thời điểm của năm 2023 và 2024. Hơn nữa, hai bên không thể thống nhất được lịch trình phát hành báo cáo kiểm toán năm 2024 theo đúng yêu cầu pháp luật. Điều này khiến cổ phiếu NVL bị cắt margin và rơi vào diện cảnh báo, gây bất lợi lớn cho Novaland trên thị trường chứng khoán.

Trong các báo cáo tài chính hợp nhất năm 2022 và 2023, PwC đã đưa ra nhiều ý kiến nhấn mạnh về giả định hoạt động liên tục của Novaland. Cụ thể, nửa đầu năm 2024, Novaland chậm công bố báo cáo tài chính soát xét bán niên với lý do số lượng giao dịch và chứng từ tăng cao. Kết quả kiểm toán cho thấy doanh nghiệp lỗ ròng 7.327 tỷ đồng, trái ngược với con số tự lập lãi 345 tỷ đồng. PwC cũng yêu cầu Novaland phải trích lập dự phòng nghĩa vụ thuế hơn 4.300 tỷ đồng liên quan đến dự án Lakeview City tại TP Thủ Đức, gây nhiều tranh cãi.

Moore AISC - Đơn vị kiểm toán mới của Novaland

Sau khi chấm dứt hợp đồng với PwC, Novaland đã lựa chọn Công ty TNHH Kiểm toán và Dịch vụ Tin học Moore AISC làm đơn vị kiểm toán cho báo cáo tài chính năm 2024. Theo Novaland, Moore AISC đáp ứng đầy đủ các tiêu chí về uy tín, năng lực, kinh nghiệm trong lĩnh vực bất động sản và không có xung đột lợi ích với tập đoàn.

Moore AISC là thành viên của mạng lưới Moore Global Network Limited - một trong những tổ chức kế toán và kiểm toán lớn trên thế giới, có trụ sở tại London. Việc hợp tác với đơn vị này được kỳ vọng sẽ cải thiện chất lượng kiểm toán, tăng cường tính minh bạch và độ chính xác trong báo cáo tài chính của Novaland. Tập đoàn cũng khẳng định đây là bước đi mang lại lợi ích lớn cho cổ đông và các nhà đầu tư.

Tính đến cuối tháng 9/2024, Novaland ghi nhận tổng tài sản đạt hơn 232.000 tỷ đồng, với hơn 145.000 tỷ đồng tồn kho. Tổng nợ phải trả của doanh nghiệp ở mức 191.400 tỷ đồng, trong đó các khoản nợ trái phiếu chiếm gần 39.000 tỷ đồng. Để cải thiện tình hình tài chính, Novaland đã xử lý 15 tài sản và ghi nhận dòng tiền hơn 25.400 tỷ đồng từ hoạt động thanh lý bất động sản.

Theo Novaland, sự thay đổi đơn vị kiểm toán sẽ giúp doanh nghiệp củng cố niềm tin của nhà đầu tư, đảm bảo chất lượng kiểm toán, đ���ng thời tăng cường hiệu quả công bố thông tin trong bối cảnh tài chính đầy thách thức.

[priyankashares]

The Impact of Metaverse Technology on India’s Digital Transformation

India’s digital transformation journey has been nothing short of remarkable, marked by rapid advancements in technology, widespread internet penetration, and a burgeoning digital economy. Over the past decade, the country has seen internet usage surge from just 10% in 2011 to over 50% in 2023, reflecting a rapid shift towards digitalization across various sectors.

As the nation strides forward, the Metaverse—an immersive digital universe that blends physical and virtual realities—is emerging as the next frontier in this evolution. A 2022 study by Deloitte estimates that the Metaverse could contribute up to 2.4% of India’s GDP by 2030, highlighting its potential to play a pivotal role in reshaping industries, enhancing digital experiences, and accelerating India’s digital transformation.

A 2023 report by PwC further supports this, predicting that by 2030, the Metaverse AI could generate nearly $1.5 trillion globally, with India expected to be one of the leading contributors.

Matthew Ball, a leading expert on the Metaverse, offers insight into this transformation, noting, “The Metaverse is not a place, it’s a moment in time when the digital world becomes more valuable than the physical one.”

As India embraces this transformative moment, the Metaverse will open up new opportunities across sectors like business, education, and entertainment, driven by innovative metaverse companies in India, propelling the nation toward an even more connected and digitally empowered future.

Driving Factors Behind India's Digital Transformation

India’s digital transformation is driven by several key factors:

Government Initiatives: Programs like Digital India (2015) have expanded internet access and promoted digital literacy.

Internet Penetration: Over 50% of the population is online, thanks to affordable data and widespread smartphone use.

Technological Innovation: Advances in AI, blockchain, and cloud computing are transforming industries and driving growth.

Startup Ecosystem: A thriving startup scene is disrupting traditional industries with innovative digital solutions.

E-commerce Growth: Platforms like Flipkart and Amazon have made online shopping mainstream, boosting digital transactions.

Digital Payments: UPI revolutionized payments, processing over 8 billion monthly transactions by 2023.

Youth Demographics: A young, tech-savvy population is fueling demand for digital services and platforms.

These factors collectively position India as a global leader in digital innovation.

Case Studies: Metaverse Applications in India

India is rapidly embracing the Metaverse, leveraging this innovative technology across various sectors. Here are some notable case studies showcasing how the Metaverse is being applied in India:

1. Education and Training

BITS Pilani's Metaverse Convocation

BITS Pilani, one of India’s premier educational institutions, made headlines by hosting its convocation on the ibentos Metaverse platform. This groundbreaking event allowed graduates to experience their convocation in a fully immersive, virtual environment. Students created avatars, interacted with peers, and received their degrees in a 3D digital setting. This innovative approach not only brought the global BITS Pilani community together but also set a new standard for how educational institutions can leverage the Metaverse for large-scale events.

2. Retail and E-commerce

Reliance Retail

Reliance Retail has ventured into the Metaverse by creating virtual shopping experiences where customers can explore digital stores, interact with products in 3D, and make purchases using digital currencies. This initiative is part of their broader strategy to integrate physical and digital shopping, providing customers with a seamless and engaging retail experience.

3. Real Estate

Hiranandani Group

The Hiranandani Group, a major real estate developer, has adopted Metaverse technology to offer virtual property tours. Prospective buyers can explore properties in a fully immersive environment, complete with 3D walkthroughs and interactive features. This has revolutionized the way real estate is marketed and sold, making it easier for buyers to make informed decisions from anywhere in the world.

4. Healthcare

Apollo Hospitals

Apollo Hospitals has implemented Metaverse applications in healthcare training and patient care. Through VR simulations, medical students and professionals can practice surgeries and complex procedures in a risk-free environment. Additionally, virtual consultations and therapy sessions are being offered to patients, expanding access to healthcare services across the country.

These case studies highlight how the Metaverse is not just a futuristic concept but a present-day reality in India, transforming industries and creating new opportunities for innovation and growth.

Benefits of Metaverse Adoption

1. Enhanced Collaboration and Communication

The Metaverse fosters real-time, interactive communication in virtual environments, improving remote teamwork. According to a 2023 Gartner report, virtual collaboration tools are expected to increase team productivity by 25%.

2. New Economic Opportunities

The Metaverse creates new revenue streams through virtual real estate and digital goods. A 2022 PwC study predicts the Metaverse could contribute $1.5 trillion to the global economy by 2030.

3. Immersive Learning and Training

Virtual environments enhance learning and training experiences. A 2023 report by Deloitte highlights that immersive training can improve knowledge retention by up to 70%.

4. Personalized Customer Experiences

Businesses can offer tailored experiences in the Metaverse, driving customer engagement. Forrester Research (2023) found that personalized virtual experiences can boost customer satisfaction by 30%.

5. Global Accessibility

The Metaverse enables global participation without geographic constraints. A 2022 McKinsey report noted that virtual platforms could expand market reach by 40% for global businesses.

6. Innovation in Marketing and Branding

Brands can create unique virtual marketing campaigns. According to a 2023 AdWeek survey, immersive brand experiences in the Metaverse increase brand recall by 50%.

7. Sustainable Practices

Shifting to virtual events and meetings reduces carbon footprints. The 2023 Environmental Impact Study found that virtual events cut travel-related emissions by 60%.

8. Future-Proofing Businesses

Early adoption of the Metaverse positions businesses for future growth. A 2023 Accenture report highlights that companies investing in Metaverse technologies are 35% more likely to lead in digital innovation.

Adopting the Metaverse offers significant benefits, including improved collaboration, new economic opportunities, and enhanced customer experiences, supported by recent studies and reports.

Conclusion

The Metaverse is accelerating India’s digital transformation by revolutionizing sectors such as education, retail, and healthcare. Its impact is clear in the enhanced engagement and new opportunities it offers.

To leverage these advancements and stay ahead, explore how ibentos, a trusted metaverse technology company can support your Metaverse initiatives. Connect with ibentos to discover how our solutions can elevate your digital strategy.

Source: https://ibentos.com/blogs/the-impact-of-metaverse-technology-on-indias-digital-transformation/

[viper-motorsports]

Negotiating the soaked streets of this temporary circuit, the N°3 Cadillac ATS-V.R GT3 managed a third place podium at the 2015 PWC Grand Prix of St. Petersburg FL for Cadillac Racing. (Photo: Jay Bonvouloir)

[forexdigitalinfo]

VeChain é uma empresa fundada em 2015 que fornece soluções baseadas em blockchain para empresas, aproveitando o poder de sua blockchain VeChainThor. A empresa possui fortes laços com a indústria e o governo chinês e busca fortalecer ainda mais esses laços. O que é VeChain (VET)? VeChain, introduzido em 2015 como parte da empresa de Blockchain-as-a-Service (BaaS) baseada em Xangai, a BitSE, é um ecossistema de negócios distribuído que utiliza tecnologia blockchain. Foi especificamente projetado para ser usado por pequenas e grandes empresas. A blockchain pública da VeChain é chamada VeChainThor. A Fundação VeChain é fundada em Cingapura e supervisiona o desenvolvimento, governança e avanço do ecossistema VeChain. VeChain é considerada uma empresa madura por alguns, com muitas aplicações de negócios do mundo real já existentes na blockchain VeChainThor. Conforme afirma o Whitepaper 2.0 da VeChain, "essas soluções não são apenas teóricas, são soluções testadas e discutidas com mais de 700 empresas e implementadas em mais de 100 empresas de nível Fortune". A matriz da VeChain recebeu um Certificado de Serviço Blockchain classificado com 5 estrelas da TÜV Saarland, um órgão de certificação europeu. Como VeChain (VET) funciona A blockchain VeChainThor funciona de maneira semelhante a outras plataformas de blockchain para uso empresarial. As empresas usam o produto Blockchain-as-a-Service (BaaS) totalmente funcional da VeChain, chamado ToolChain, para construir suas soluções baseadas em blockchain. A VeChainThor também suporta contratos inteligentes. Transações únicas na blockchain VeChainThor podem realizar várias tarefas. Além disso, os usuários do aplicativo VeChain não precisam possuir criptomoedas para realizar transações. Isso pode ser feito pelos proprietários do aplicativo, o que pode tornar a experiência do usuário mais conveniente para o usuário médio. A blockchain VeChainThor usa o consenso Proof of Authority (PoA), que delega poder a certos nós na blockchain VeChainThor para confirmar transações. Isso significa que apenas blocos transacionais são passados pelos Authority Masternodes, que precisam ter pelo menos 25.000.000 de VET. O que são VET e VTHO? VeChain possui duas tokens separadas: VET e VTHO. VET (VeChain Token) é usado para transações financeiras na blockchain VeChainThor e para especulação de mercado. VTHO (VeThor Token) é o "token de energia" usado para realizar transações na VeChainThor. Os proprietários de VET podem gerar VTHO para uso na blockchain VeChainThor. Por que VeChain (VET) é importante VeChain é notável por seus fortes laços com a China - um mercado de blockchain crítico que é difícil de ser acessado por empresas não chinesas. A empresa tem sede em Cingapura, possui escritório em Xangai, investimento da empresa de capital de risco chinesa FutureCap e um CEO chinês, Sunny Lu. O projeto também possui parcerias com vários órgãos governamentais chineses, incluindo a Aliança de Saúde Animal e Segurança Alimentar da China. A organização também possui muitos parceiros de negócios com soluções que já existem no mundo real, na blockchain VeChainThor. Parceiros que já possuem soluções VeChain incluem PriceWaterhouseCoopers (PwC), Walmart China, Renault e Shanghai Waigaoqiao Direct Imported Goods. Casos de uso de VeChain (VET) Vamos analisar alguns dos casos de uso mais significativos da tecnologia VeChain. Esta não é uma lista extensiva, no entanto. Você pode conferir a biblioteca de Dapps VechainWorld para mais informações. Segurança alimentar Soluções baseadas em blockchain podem levar a uma economia de alimentos mais transparente em todo o mundo. Dispositivos de Internet das Coisas (IoT) habilitados para VeChain podem ser implantados em toda a cadeia de suprimentos, incluindo produtos, veículos e armazéns. Em seguida, os dados ambientais e baseados em localização desses dispositivos podem ser enviados, verificados e armazenados de maneira descentralizada e à prova de adulteração na blockchain VeChainThor.

Soluções como essa já estão em vigor para várias empresas, incluindo a Shenzhen Yuhongtai Foods. Anticontrafação A falsificação no mercado de bens de luxo é um problema sério. Ao anexar um chip criptografado e usar o chip para registrar e rastrear logística, armazenamento, manutenção e revenda, os proprietários podem ter a garantia de autenticidade. Isso foi usado para rastreamento de vinho de luxo para a Shanghai Waigaoqiao Direct Imported Goods e em testes para componentes de veículos de luxo da Renault. Registros de saúde Sistemas de registros de saúde são notoriamente arcaicos. Em vez de usar sistemas de registro ineficientes e inseguros para resultados de laboratório, esses dados valiosos podem ser armazenados na blockchain, com apenas pacientes e outras partes autorizadas tendo acesso. Um aplicativo VeChain-based E-HCert será lançado para pacientes tanto do Mediterranean Hospital of Cyprus quanto do Aretaeio Hospital em 2021. Rastreamento de emissões de carbono Ao impulsionar a redução de carbono rastreando atividades que emitem carbono, essa solução permite que os consumidores participem de um esquema de economia de carbono. Quando dispositivos inteligentes, como carros ou eletrodomésticos, mostram que um consumidor está gerando menos carbono, eles podem receber créditos para serem usados em serviços de energia. A BYD, uma marca chinesa de carros elétricos, já utiliza uma solução da VeChain. Como armazenar VeChain (VET) Você pode armazenar VET e VTHO, bem como várias outras criptomoedas, na carteira leve oficial da VeChainThor em iOS ou Android. A carteira desktop oficial é a VeChain Sync, que também pode ser usada com o Ledger para armazenamento em carteira fria. Carteiras de terceiros que podem armazenar VET e VTHO incluem Trust Wallet, Cobo Wallet, Atomic Wallet, Arkane Wallet, MySafeWallet, Guarda Wallet, Ellipal e Exodus. Considerações finais VeChain é ambiciosa e já possui uma forte presença no mercado chinês. Com projetos comprovados de grandes empresas já em execução na blockchain VeChainThor, a empresa mostrou que pode ajudar as empresas a criar aplicativos úteis baseados em blockchain.

[businessnews24]

Alpha Bank: Συμφωνία πώλησης δανείων "Project Hermes"

Τη σύναψη δεσμευτικής συμφωνίας για την πώληση μεικτού χαρτοφυλακίου Μη Εξυπηρετούμενων Δανείων Ελληνικών Μεγάλων Εταιρειών και Μικρομεσαίων Επιχειρήσεων με εμπράγματες εξασφαλίσεις, συνολικής λογιστικής αξίας ύψους περίπου Ευρώ 0,65 δισ. ευρώ (“Project Hermes”) στις Fortress και Davidson Kempner ανακοίνωσε η Alpha Bank.

Στο πλαίσιο της εφαρμογής του επικαιροποιημένου Επιχειρησιακού Σχεδίου της, η Alpha Υπηρεσιών και Συμμετοχών Α.Ε., μητρική εταιρεία του Ομίλου Alpha Bank (ο «Όμιλος»), ανακοινώνει ότι η Alpha Τράπεζα A.E. (η “Alpha Bank”) προέβη στη σύναψη δεσμευτικής συμφωνίας για την πώληση μεικτού χαρτοφυλακίου Μη Εξυπηρετούμενων Δανείων Ελληνικών Μεγάλων Εταιρειών και Μικρομεσαίων Επιχειρήσεων με εμπράγματες εξασφαλίσεις, συνολικής λογιστικής αξίας ύψους περίπου Ευρώ 0,65 δισ. (το “Project Hermes”), ως εξής: Α) με τις οντότητες Saturn Financial Investor DAC και Pluto Financial Investor DAC, οι οποίες χρηματοδοτούνται από επενδυτικά κεφάλαια υπό τη διαχείριση εταιρειών συνδεδεμένων με τη Fortress Credit Corp., για την πώληση χαρτοφυλακίου συνολικής λογιστικής αξίας ύψους Ευρώ 0,24 δισ., με ημερομηνία αναφοράς την 30.9.2022 (το «Τμήμα Α του Χαρτοφυλακίου Hermes»), Β) με την οντότητα Hermes Acquisitions B Designated Activity Company, η οποία χρηματοδοτείται από επενδυτικά κεφάλαια υπό τη διαχείριση εταιρειών συνδεδεμένων με την Davidson Kempner Capital Management και από επενδυτικά κεφάλαια υπό τη διαχείριση εταιρειών συνδεδεμένων με τη Fortress Credit Corp., για την πώληση χαρτοφυλακίου συνολικής λογιστικής αξίας ύψους Ευρώ 0,41 δισ., με ημερομηνία αναφοράς την 31.12.2021 (το «Τμήμα Β του Χαρτοφυλακίου Hermes» και από κοινού με το Τμήμα Α του Χαρτοφυλακίου Hermes το «Χαρτοφυλάκιο Hermes»).

Το συνολικό τίμημα για το Χαρτοφυλάκιο Hermes αποτελείται από ένα σταθερό και ένα μεταβλητό σκέλος (μέσω μηχανισμού πρόσθετης απόδοσης – earn-out) και υπερβαίνει το 40% της συνολικής λογιστικής αξίας. Η συναλλαγή αναμένεται να έχει θετική επίπτωση σε επίπεδο κεφαλαίων και ρευστότητας του Ομίλου. Τη διαχείριση της περιμέτρου του Project Hermes θα αναλάβει η εταιρεία «Cepal Hellas Χρηματοοικονομικές Υπηρεσίες Μονοπρόσωπη Ανώνυμη Εταιρεία Διαχείρισης Απαιτήσεων από Δάνεια και Πιστώσεις», η οποία έχει αδειοδοτηθεί νόμιμα και εποπτεύεται από την Τράπεζα της Ελλάδος ως εταιρεία διαχείρισης απαιτήσεων του ν. 4354/2015.

Η ολοκλήρωση της συναλλαγής αναμένεται εντός Μαΐου 2023.

Η PricewaterhouseCoopers Business Solutions S.A. (PwC) ενεργεί ως αποκλειστικός χρηματοοικονομικός σύμβουλος της Alpha Bank για τη διαδικασία πώλησης και η Δικηγορική Εταιρεία Μ. Ψύλλα – Β. Βύζας – Γ. Κατρινάκης ως νομικός σύμβουλος της Alpha Bank για θέματα ελληνικού δικαίου. Αναφορικά με το Τμήμα Α του Χαρτοφυλακίου Hermes, η White & Case LLP ενεργεί ως διεθνής νομικός σύμβουλος της Alpha Bank, ενώ η Akin Gump Strauss Hauer & Feld LLP ενεργεί ως διεθνής νομικός σύμβουλος της Alpha Bank αναφορικά με το Τμήμα Β του Χαρτοφυλακίου Hermes.

Στο "πακέτο" των δανείων περιλαμβάνονται, σύμφωνα με πληριφορίες, υποχρεώσεις ΜμΕ αλλά και μεγαλύτερων και γνωδτών εταιρειών.

Πηγή άρθρου: Alpha Bank: Συμφωνία πώλησης δανείων "Project Hermes"

[hellenicnews]

Alpha Bank: Συμφωνία πώλησης δανείων "Project Hermes"

Τη σύναψη δεσμευτικής συμφωνίας για την πώληση μεικτού χαρτοφυλακίου Μη Εξυπηρετούμενων Δανείων Ελληνικών Μεγάλων Εταιρειών και Μικρομεσαίων Επιχειρήσεων με εμπράγματες εξασφαλίσεις, συνολικής λογιστικής αξίας ύψους περίπου Ευρώ 0,65 δισ. ευρώ (“Project Hermes”) στις Fortress και Davidson Kempner ανακοίνωσε η Alpha Bank.

Στο πλαίσιο της εφαρμογής του επικαιροποιημένου Επιχειρησιακού Σχεδίου της, η Alpha Υπηρεσιών και Συμμετοχών Α.Ε., μητρική εταιρεία του Ομίλου Alpha Bank (ο «Όμιλος»), ανακοινώνει ότι η Alpha Τράπεζα A.E. (η “Alpha Bank”) προέβη στη σύναψη δεσμευτικής συμφωνίας για την πώληση μεικτού χαρτοφυλακίου Μη Εξυπηρετούμενων Δανείων Ελληνικών Μεγάλων Εταιρει��ν και Μικρομεσαίων Επιχειρήσεων με εμπράγματες εξασφαλίσεις, συνολικής λογιστικής αξίας ύψους περίπου Ευρώ 0,65 δισ. (το “Project Hermes”), ως εξής: Α) με τις οντότητες Saturn Financial Investor DAC και Pluto Financial Investor DAC, οι οποίες χρηματοδοτούνται από επενδυτικά κεφάλαια υπό τη διαχείριση εταιρειών συνδεδεμένων με τη Fortress Credit Corp., για την πώληση χαρτοφυλακίου συνολικής λογιστικής αξίας ύψους Ευρώ 0,24 δισ., με ημερομηνία αναφοράς την 30.9.2022 (το «Τμήμα Α του Χαρτοφυλακίου Hermes»), Β) με την οντότητα Hermes Acquisitions B Designated Activity Company, η οποία χρηματοδοτείται από επενδυτικά κεφάλαια υπό τη διαχείριση εταιρειών συνδεδεμένων με την Davidson Kempner Capital Management και από επενδυτικά κεφάλαια υπό τη διαχείριση εταιρειών συνδεδεμένων με τη Fortress Credit Corp., για την πώληση χαρτοφυλακίου συνολικής λογιστικής αξίας ύψους Ευρώ 0,41 δισ., με ημερομηνία αναφοράς την 31.12.2021 (το «Τμήμα Β του Χαρτοφυλακίου Hermes» και από κοινού με το Τμήμα Α του Χαρτοφυλακίου Hermes το «Χαρτοφυλάκιο Hermes»).

Το συνολικό τίμημα για το Χαρτοφυλάκιο Hermes αποτελείται από ένα σταθερό και ένα μεταβλητό σκέλος (μέσω μηχανισμού πρόσθετης απόδοσης – earn-out) και υπερβαίνει το 40% της συνολικής λογιστικής αξίας. Η συναλλαγή αναμένεται να έχει θετική επίπτωση σε επίπεδο κεφαλαίων και ρευστότητας του Ομίλου. Τη διαχείριση της περιμέτρου του Project Hermes θα αναλάβει η εταιρεία «Cepal Hellas Χρηματοοικονομικές Υπηρεσίες Μονοπρόσωπη Ανώνυμη Εταιρεία Διαχείρισης Απαιτήσεων από Δάνεια και Πιστώσεις», η οποία έχει αδειοδοτηθεί νόμιμα και εποπτεύεται από την Τράπεζα της Ελλάδος ως εταιρεία διαχείρισης απαιτήσεων του ν. 4354/2015.

Η ολοκλήρωση της συναλλαγής αναμένεται εντός Μαΐου 2023.

Η PricewaterhouseCoopers Business Solutions S.A. (PwC) ενεργεί ως αποκλειστικός χρηματοοικονομικός σύμβουλος της Alpha Bank για τη διαδικασία πώλησης και η Δικηγορική Εταιρεία Μ. Ψύλλα – Β. Βύζας – Γ. Κατρινάκης ως νομικός σύμβουλος της Alpha Bank για θέματα ελληνικού δικαίου. Αναφορικά με το Τμήμα Α του Χαρτοφυλακίου Hermes, η White & Case LLP ενεργεί ως διεθνής νομικός σύμβουλος της Alpha Bank, ενώ η Akin Gump Strauss Hauer & Feld LLP ενεργεί ως διεθνής νομικός σύμβουλος της Alpha Bank αναφορικά με το Τμήμα Β του Χαρτοφυλακίου Hermes.

Στο "πακέτο" των δανείων περιλαμβάνονται, σύμφωνα με πληριφορίες, υποχρεώσεις ΜμΕ αλλά και μεγαλύτερων και γνωδτών εταιρειών.

Πηγή άρθρου: Alpha Bank: Συμφωνία πώλησης δανείων "Project Hermes"

[thxnews]

New Report Reveals UK Dominance in Europe’s Race to Space Investment

  - The UK is the most attractive destination for private investment in space after the US - Nine of the largest UK venture capital firms have invested in space since 2015 - Key areas of investment in the UK are Earth observation, manufacturing and satellite connectivity - Growth of up to 11% forecast per year to 2030 across the global space ecosystem - 235 private equity firms have invested in space companies since 2015 with 95% investments in revenue-generating companies in 2022 compared to 56% in 2015.   New analysis from investment experts offers insight on the wealth of opportunities found within the UK’s £17.5 billion space sector. The ‘Expanding frontiers – The down to earth guide to investing in space’ report, produced by Price Waterhouse Coopers (PwC) in association with the UK Space Agency, highlights expected global space sector growth of up to 11% per year over the next decade and a near doubling of venture capital investments in revenue-generating space companies in the UK between 2015 and 2022, with 63% of investors new to the sector in 2021. The report details trends for new and established investors who are interested in growing their space portfolio, including opportunities with companies seeking to improve access to healthcare and tackle global climate change challenges, from decarbonising economies to increasing food security.  

Craig Brown, Investment Director at the UK Space Agency. Photo by GOV.UK.   Craig Brown, Director of Investment at the UK Space Agency, said: This report shines a light on the breadth and depth of space investment opportunities. From today’s satellite communications to the future of orbital assembly, space has taken on an increased significance as a deeply embedded part of the global economy that is poised to grow at up to 11% per annum to 2030. As the number of satellites above us increases dramatically, there are even greater opportunities to capitalise on the wealth of data they collect and on the international efforts spearheaded by the UK to keep the space environment safe and sustainable for generations to come.   According to the report, the UK has been the leading destination for space investment in Europe – and second internationally behind the US – since 2015, receiving 17% of global investment.   Matt Alabaster, Partner at PwC Strategy, said: This report shines a light on the substantial contribution that the space industry can make to solving some of our biggest global challenges, from decarbonising our economies to increasing food security and improving access to healthcare. Our analysis shows that there are opportunities for investors of all stripes; the industry contains asset-light and technology-driven businesses, as well as infrastructure assets and supporting services businesses, all of which stand to benefit from the significant growth of the global space industry.   The Expanding frontiers report calculates a median 400% increase in deal size for early-stage investments and highlights a number of fast-growing UK space organisations, from satellite communications firm, OneWeb, to Wales-based aerospace manufacturer, Space Forge, which raised Europe’s largest ever seed round for a space tech company in December 2021.   Joshua Western, CEO and Co-founder of Space Forge, said: We’ve spear-headed new investment into the UK space sector from homegrown and valued international partners. The growth in our company and this sector is testament to the untapped potential of the UK space ecosystem. We are excited to be part of a dynamic and rapidly expanding industry that makes a significant contribution to the UK economy.   Research shows that the UK has become a particularly attractive market for venture capital firms, being home to the HQ of leading space fund Seraphim Capital – which was the top investor in UK space organisations in 2022 - and offices of US space and deep tech fund, TypeOne VC. UK space organisations have received investments from at least seven of the most active global investors, and nine of the largest UK-based venture capital firms, including University of Cambridge Enterprise, Octopus Ventures and Molten. Taking into account government, non-commercial (universities and research institutes) and commercial organisations, it describes the UK space sector as a “hidden utility” that underpins our daily lives and supports an estimated £370 billion of the country’s economy, mostly through satellite-based services. The data follows figures in the recent Size and Health of the UK Space Sector Report showing that £635 million was invested in UK-headquartered space companies through 34 identified deals last year, with acquisitions accounting for three quarters of the total investment value. Space sector income increased by more than 5% into 2021, outpacing both the growth of the global space industry in the same period (1.6%) and the general UK economy, which contracted by 7.6%. The full version of the PwC Expanding frontiers report is available on request. Executive summary of the report. Full report on the the PwC website.   Sources: THX News & UK Space Agency.   Read the full article

[speed-seo]

Resumen de las principales empresas de servicios financieros de Chipre

La industria de servicios financieros es uno de los pilares de la economía chipriota. Las principales empresas ofrecen una amplia gama de servicios bancarios, de inversión, seguros y otros servicios financieros a consumidores y empresas de toda la isla. Este artículo presenta un perfil de las 10 principales empresas de servicios financieros de Chipre en función de los activos gestionados, el número de clientes/pólizas, la oferta de servicios y conciencia de marca. Bancos Líderes El sector bancario está dominado por el Banco de Chipre, el Banco Helénico y el Banco RCB, que poseen alrededor del 70% del total de activos y depósitos bancarios de Chipre. 👉 Banco de Chipre - Primer banco de Chipre, con una cuota de mercado del 26% - Parte de la Grupo Bank of Cyprus junto con las filiales de Banco de Chipre en el Reino Unido, las Islas del Canal, Rusia y Ucrania - Ofrece banca minorista, banca de empresas, banca de inversión, gestión de patrimonios, banca internacional y otros servicios 👉 Hellenic Bank o Banco Helénico - Segundo banco en importancia que controla más del 20% del mercado bancario chipriota - Formado a partir de la adquisición y fusión en 2015 del Cyprus Popular Bank, Hellenic Bank y las filiales del Russian Commercial Bank - Gama completa de servicios de banca minorista, corporativa y de inversión 👉 Banco RCB - Filial chipriota de la empresa rusa RCB Bank - Atiende principalmente a clientes empresariales e inversores rusos y de la CEI - Amplia gama de servicios de banca corporativa y privada Las mejores aseguradoras El mercado de seguros está liderado por marcas conocidas como Alico, Generali y CNP Cyprus Insurance; 👉 Alico - Forma parte del grupo MetLife, una de las mayores aseguradoras del mundo - Ofrece productos de seguros de vida, salud, hogar, viaje y automóvil en Chipre - Sólida reputación de calidad de servicio y solidez financiera 👉 Generali Chipre - Filial chipriota del grupo asegurador italiano Generali - Aseguradora líder de automóviles, hogar y salud con una amplia red de agentes - También ofrece servicios de seguros comerciales y de vida 👉 CNP Cyprus Insurance - Propiedad mayoritaria de CNP Assurances, la mayor aseguradora de Francia - Líder en el mercado de seguros de vida y ahorro y pensiones a largo plazo - Amplia red de distribución de agentes vinculados en todo Chipre Otras grandes empresas de servicios financieros en Chipre Además de los grandes bancos y aseguradoras, hay otros muchos proveedores de servicios financieros destacados en el mercado chipriota: 👉 Inversiones y gestión de activos - Demetra Investment (la mayor empresa de inversión local) - Cyprus Development Bank (banco estatal de desarrollo e inversión) - Eurivex (plataforma líder de fondos y gestora de activos) - Bolsa de Chipre (bolsa de valores) 👉 Corredores de Forex y CFDs - SquaredFinancial (el mayor corredor de divisas y CFD de Chipre) - Amana Capital (multiactivos del trading en línea) - Exness (divisas y CFD minoristas) - LeadCapital Markets (corretaje de divisas y CFD) 👉 Servicios de pago - JCC Payment Systems (procesamiento de tarjetas de crédito) - PayRepublic (pasarela de pago y transferencia de dinero) - Global Money Transfers (servicios de remesas) 👉 Servicios profesionales - PwC Chipre (contabilidad, auditoría y consultoría) - Deloitte Chipre (auditoría, consultoría, asesoramiento financiero) - KPMG (servicios de auditoría, fiscales y de asesoramiento) Esta lista recoge a los principales actores, pero no es exhaustiva: hay docenas más de empresas de servicios financieros que operan en el mercado chipriota. Cómo las empresas de servicios financieros pueden mejorar el SEO en Chipre Entonces, ¿cómo pueden las empresas de servicios financieros mejorar su SEO y su visibilidad online para destacar en este abarrotado mercado chipriota? Estos son los consejos más impactantes: 1. Optimizar el contenido del sitio web - Diríjase a palabras clave importantes como "asesor financiero Chipre" y "gestión de inversiones Chipre" - Cree títulos de página, meta descripciones y etiquetas de encabezado convincentes - Asegúrese de que el contenido sea informativo, esté bien estructurado y sea fácil de leer en el móvil - Actualice el contenido del sitio con regularidad (al menos trimestralmente) 2. Gana Backlinks - Construir enlaces desde sitios web de finanzas y centros de contenido relevantes - Participe como colaborador invitado para crear vínculos de retroceso y experiencia - Establezca relaciones con socios comerciales para que enlacen su sitio - Centrarse en la calidad por encima de cantidad de backlinks 3. Aprovechar las redes sociales - Comparta consejos financieros útiles y perspectivas locales en plataformas como Facebook, Twitter, LinkedIn - Promoción cruzada de contenidos para ampliar el alcance - Responder a los comentarios y consultas para fomentar la participación - Realice un seguimiento de los análisis de la campaña para perfeccionar la estrategia 4. Publicar contenido local - Cree guías, explicaciones y recursos adaptados específicamente a Chipre - Entrevistar a expertos financieros y líderes de opinión del mercado - Ofrecer análisis de datos de mercado y comentarios sobre las condiciones empresariales - Atender a los buscadores de habla inglesa y griega 5. Reclamar y optimizar perfiles - Crear listas de Google My Business y Bing Local - Asegúrese de que la información clave de la empresa (ubicación, teléfono, horario) es correcta en todas las páginas web - Supervisar y responder a las reseñas en línea en GMB, Facebook y otros sitios - Fomente las opiniones de los clientes a través del correo electrónico y los mensajes del sitio web 6. Manténgase al día - Revise regularmente el rendimiento SEO de su sitio web con herramientas como Google Search Console - Compruebe mensualmente la clasificación de las palabras clave y realice un seguimiento de los progresos - Analizar los sitios de la competencia para identificar sus estrategias SEO - Manténgase al día con las actualizaciones del algoritmo de Google y las mejores prácticas de SEO Si se adopta un enfoque estratégico y se invierte en estas áreas principales de SEO, las empresas de servicios financieros de Chipre pueden mejorar su visibilidad en línea, llegar a más clientes potenciales y lograr una clara ventaja competitiva. Puntos clave para el SEO de servicios financieros en Chipre Optimizar las búsquedas es fundamental para las empresas de servicios financieros de Chipre que se esfuerzan por aumentar su cuota de mercado y atender a más clientes en toda la isla. Aspectos destacados: - Los usuarios buscan empresas concretas, pero también comparan proveedores de forma más general. Optimizar para consultas comerciales e informativas. - Céntrese en la creación de contenidos útiles y relevantes para su localidad que atraigan a los buscadores de Chipre. - Cree vínculos de retroceso de alta calidad, aproveche las redes sociales y reclame anuncios de empresas clave para aumentar su visibilidad. - Realice un seguimiento exhaustivo del rendimiento SEO mediante herramientas como Google Search Console. Perfeccione continuamente su estrategia. - Superar a los competidores atrincherados requiere tiempo y esfuerzo. Sin embargo, la inversión puede merecer la pena. Combinando estas mejores prácticas con una ejecución incansable, las empresas de servicios financieros de Chipre pueden liberar todo el potencial del SEO y llevar su presencia digital a nuevas cotas. Read the full article

[133crowdfundph]

How to Fund Your First Real Estate Investing Philippines: 7 Options

I previously wrote about five factors a cash-strapped investor should take into account before making their first real estate transaction.

More detailed instructions on how to become a successful real estate investor, including how to finance a first acquisition, were requested by readers in response. Let's face it, not everyone has a wealthy, well-connected father who can assist in establishing a real estate career, like a young Donald Trump did.

However, you don't need a tremendous sum of money to get started in real estate investing Philippines. In actuality, astute investors frequently buy properties with no personal down payment, financing the full purchase (and sometimes more), and still making a healthy profit. (In fact, the more you leverage, or borrow, the better your return on equity becomes, making putting no or little money down a smart buyer's plan. However, that is a tale for another day.

In reality, you can create a million-dollar portfolio on your own in less than a year with little to no cash or credit by making very little changes to your expenditures.

Here are seven methods for financing your first purchase.

1. Purchase a Home Using an FHA Loan

Get a mortgage that is insured by the Federal Housing Administration if this is your first investment. You may purchase a multifamily property, live in one of the units, and rent out the other units for just 3.5% down.

Three-family homes are still available in Jersey City, New Jersey, just a 10-minute PATH train trip from midtown Manhattan, for $250,000 ($8,750 down payment), with lots of space for appreciation. While you own the property, you'll also earn handsome rental revenue. In other words, you'll enjoy a rent-free lifestyle while accumulating a growing nest egg.

Teri Williams, president of Oneunited Bank, the biggest African American-owned bank in the nation, says "That's the way to accomplish it." And a fantastic method to increase wealth in a neighborhood is through real estate. The lender offers multifamily mortgages with loan-to-value ratios of up to 75%, ranging in size from $500,000 to $7 million (LTV).

Hard Money Lending 2.

Traditional mortgages easily take approximately 60 days to complete, which is a lengthy time when you're negotiating a transaction and interest rates are at historic lows. Even while hard money loans have higher interest rates, they provide you the freedom to act swiftly if you have a lot of extra cash.

According to Steven Christmann, managing principal of Christmann & Gutermann, a family office with $6 billion in assets under management, which provides short-term financing to real estate investors, "It's not a sustainable option long term, but it's a valuable resource if you need to close quickly." If they make it online at all, really good discounts don't last more than a few days. Even if the rates are higher, bridge loans are a fantastic option to seal the sale until you can get standard financing.

The high interest charges at the purchase price, let's say $250,000, must be paid until you refinance to a conventional 4% mortgage at the property's market value, let's say $300,000, assuming you find a fantastic deal with plenty of built-in equity.

Another benefit of the refinance is that you receive an extra $50,000 tax-free (with interest, though), which you can use to fund a larger investment. The wealth cycle thus gets started.

Third-Party Mortgage Lending

Due to the challenges in obtaining mortgages, a number of nonbank lenders, including SoFi and LendingHome, are displacing traditional banks. By 2025, their market share might increase by $150 billion, or 33% annually, according to PwC. Nonbank lenders originated 48% of all mortgages as of April this year, an increase of 400 basis points from their market share in 2015.

According to LendingHome's website, internet lenders complete the application online in 20 minutes, as opposed to large banks, which take a long time to examine income, FICO scores, tax returns, and other factors. They complete the transaction in two weeks, as opposed to 45 to 60 days with banks, and occasionally they fund the entire purchase price.

The CEO of online mortgage lender SoFi, Mike Cagney, told Bloomberg last year, "We're aiming to make these folks extinct." And I'm hoping I'm the asteroid that kills them all.

4. The asset-based mortgage, or "Buy 2 Rent"

There are alternative ways to acquire a deal if hard money and non-banks aren't your thing, such asset-based mortgages. The primary consideration for "Buy 2 Rent," a mortgage product from Blackstone-owned B2R Finance, is the rental income the asset will provide.

Additionally, it doesn't consider personal income as traditional banks do, which is a significant bonus if you don't have a steady source of income (although a 660 FICO score and other underwriting criteria are required).

According to Matt Weaver, manager of the Boca Raton, Florida, location of Finance of America Mortgage, "B2R's product provides an alternative to hard money loans and standard finance." "The product is a wonderful alternative for beginning investors because it is based mostly on the rental revenue from the property."

With interest rates ranging from mid-6% to mid-8%, investors can obtain up to 80% LTV for an acquisition or up to 75% for a refinance. This provides opportunity for new real estate businesses to close on properties.

Weaver adds that because there are no restrictions on how many properties an investor may finance through B2R, they have more freedom to keep expanding their portfolio without having to worry about the difficulties associated with more conventional financing.

5. Support from Friends and Family

What do World Trade Center developer Larry Silverstein and Warren Buffett have in common? After using family and friends to finance their initial transactions, they both amassed billion-dollar fortunes.

This tactic's attractiveness is that it doesn't need any startup money. Ten families can pool less than $1,000 and purchase a multifamily home by using the FHA procedure (Step 1).

Silverstein and his father invested money from 20 individuals in their initial purchase of a troubled Manhattan property, while making little money as brokers. In an interview earlier this year, Silverstein admitted, "We were not doing well at all financially. We're going to starve to death until we become owners, I eventually told my father one day, because owners make the money. Brokers do not.

The Silversteins bought the property, renovated it, secured a new loan, and paid investors back (plus profits), laying the groundwork for one of the largest real estate fortunes in history.

6. Investing in trust deeds

In a variation on the friends-and-family strategy, you essentially obtain a mortgage from one or more private lenders who would act as banks in exchange for a deed of trust as security for the property.

In plain English, this indicates that you consent to financing conditions that you must fulfill. If not, the private lender may foreclose on the property, just like a bank would.

This concept is being used by more and more real estate investors to fund deals, giving 8%–10% APR to lenders to invest in high yield ventures as a way to insulate investors against recession.

7. Hybrid Financing: A Combination Of Debt And Equity

Although it seems complicated, it's really not. Finding the money is the least of your concerns if you locate a great deal. Assuming you don't have the cash on hand, you would need to come up with the remaining 25% of the LTV if you had received 75% of it.

You can obtain a hybrid loan to close this gap by combining the conventional mortgage payment schedule with a stake in the business (equity) for the lender. But watch out for dishonest lenders.

The most crucial step in creating a hybrid capital stack, according to Charles Adkins, founder of real estate investment bank The Titan Group, is to conduct your research to avoid wasting anyone's time. Over the past 16 years, Adkins has underwritten and placed complicated capital structures worth over $3 billion, the majority coming from private investors.

"Private equity and mezzanine equity have a considerable degree of flexibility, but they also frequently cling to specific markets. To choose a capital provider who will feel at ease with your particular deal, you must know what areas of expertise they have.

"If the agreement makes sense, you will wind up in a "no lose" situation. You may have to pay a higher rate or give up some control; you may even have to let them participate actively in the investment."

For more info, kindly visit: https://133crowdfund.com

[i-accountant]

Accounting Firms in Australia Companies like Deloitte Australia, BDO Melbourne, Grant Thornton Australia, Pitcher Partners, and PwC Australia are examples of accounting firms in Australia that offer their services to individuals, businesses, and other Australian entities.

An Overview of Australian Accounting Firms Australia has its own three recognized professional accounting bodies that determine the accounting rules and regulations for Australian accounting firms. The Institute of Public Accountants (IPA), CPA Australia, and the Institute of Chartered Accountants of Australia (ICAA) are these three organizations.

The majority of Australia's accounting market is made up of the Big Four firms. The accounting firm in Australia primarily provides the following services: audit and assurance. The company conducts comprehensive, independent audits to determine the root cause of accounting issues. In order to assist clients in achieving compliance, it offers an efficient solution to the issue. Tax: The tax service helps new businesses set up their taxes and deal with employment tax issues. In addition, it assists customers in navigating GST, indirect taxes, and other tax breaks, among other areas. Financial Advisory: With the assistance of skilled professionals, the accounting firm in Australia provides its clients with corporate finance, restructuring consulting, and forensic advisory services. Numerous services are offered to customers. They also go through mergers and acquisitions, which include helping to raise debt and equity from the capital markets and figuring out the capital structure by valuing the target companies. It helps release tied cash requirements, easing their clients' working capital requirements. Consulting: Accounting firms offer their clients consulting services for managing business risk, regulating human capital, assisting with performance improvement, advising on the implementation of effective strategy and growth, and providing technical advisory services. Table of Contents An Overview of the Top 10 Accounting Firms in Australia PwC Australia, KPMG Australia, Ernst & Young Australia, Deloitte Australia, BDO Melbourne, Pitcher Partners, Grant Thornton Australia, DFK Australia New Zealand, i-accountant NSW Australia, and Brentnalls are the 10 best accounting firms in Australia. Please provide us with a link to the attribution. The Big Four Accounting Firms hold the most market share among the top accounting firms in Australia. By providing audit, advisory, tax, and accounting services, they dominate the Australian accounting industry. Let's talk about the best accountants in Australia:

1: PwC Australia PwC is a major Australian accounting firm with a global presence. Greater Western Sydney, Brisbane, Melbourne, Adelaide, Canberra, Gold Coast, Perth, and Newcastle are the locations of PwC Australia offices. It has 500 partners and approximately 5,800 employees. PwC Australia reported revenues of nearly $1.92 billion in 2016, according to reports. In order to remain relevant in the accounting industry and stay ahead of the competition in today's fast-paced society, the company adheres to three main principles: being good, bold, and part of it. By remaining connected, listening, and conversing, the company also aims to address the challenges of the coming days.

2 – KPMG Australia This prominent Australian accounting firm focuses on the procedures and honesty of the formal audit report. Quality is a fundamental and non-negotiable principle at this accounting firm, which adheres to it. Under the direction of Duncan McLennan, the national managing partner of KPMG Australia, KPMG Australia reported revenues of $1.37 billion for the 2016 fiscal year. The quality of the audit and how the right opinion is reached—not just getting the right opinion—are the accounting firm's primary priorities.

3: Ernst & Young Australia This Australia-based accounting firm ranks among the top ten. This company's primary goal is to offer all of its customer's high-end audit services in an ethical and objective manner. With the assistance of enhanced trust and confidence in business, sustainable growth, the development of existing talent, and greater collaboration, Ernst & Young Australia pledges to create a better working environment. Ernst & Young Australia reported revenue of $1.48 billion in the fiscal year 2016, compared to $1.28 billion in the fiscal year 2015, according to the transparency report.

4: Deloitte Australia This accounting firm's primary goal is to have a long-lasting impact and purposeful impact. The company always invests in growth through acquisitions and alliances, innovation, technology, skilled employees, and keeping up with the competition. It has offices in Papua New Guinea and Timor-Leste employs nearly 7000 people and has 700 partners. In the 2017 fiscal year, it reported record revenues of A$1.76 billion.

5: BDO Melbourne BDO Melbourne is another prominent Australian accounting firm in the city center of Melbourne. Audit, Corporate Finance, Risk Advisory, Transfer Pricing, Business Restructuring, Business Services, and Tax, to name a few, are handled by specialized personnel. In addition, this accounting firm offers its clients comprehensive corporate and business advisory services.

6: Pitcher Partners With 45 partners and over 600 professionals and support staff, Pitcher Partners Melbourne is an excellent accounting firm. They focus on helping small, family-owned public businesses and organizations in the public sector.

7: Grant Thornton Australia This leading independent assurance, tax, and advisory accounting firm is located in Australia. Audit, tax, financial advisory, and consulting are among their offerings. This company offers practical and proactive guidance on all aspects of strategies for long-term growth. Additionally, they assist clients in adhering to rules and regulations in order to enhance internal processes and business strategies.

8: The leading organization of chartered accountants and business advisors is DFK Australia New Zealand. In BRW's Top 100 Accounting Firms, it is included. With the assistance of specialized staff with a balance of diverse, extensive local and international accounting knowledge, they offer a variety of accounting services.

9: i-accountant NSW Australia This NSW-based accounting, tax, and consulting firm has a huge network of resources both nationally and internationally. This is a group of independent Australian accounting and consulting firms. Tax and business advice, asset protection, estate planning, an investigation into a tax audit, negotiations with the Australian Taxation Office (ATO), compliance with self-managed super funds, and audit solutions are provided by this business.

10: Brentnalls This accounting firm has more than 60 dedicated employees, including eight partners, four principals, and a team that has grown over time. Accounting, tax, agribusiness, business consulting and advisory, financial advice, wealth creation, and other related services are just a few of their many offerings.

[viper-motorsports]

Lone Star Racing opens the 2015 Pirelli World Challenge round at Road America WI with their N°80 Dodge Viper GT3-R scoring a fifth place GT Amateur class finish.