#SCV taxes
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hotspotcitynet · 1 month ago
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Tax Assistance In 2025 - CPA Howard Dagley SCV - SFV
For Reliable Tax Assistance In 2025, Howard Dagley CPA is ready to answer the call. If you live in SCV, SFV or LA, then look no further than Howard Dagley when it comes to filing your taxes next year. Don’t go it alone this time. Did you know that there are many benefits to using a CPA for your taxes? Don’t delay. Call Howard Dagley, CPA today for help with your tax return at…
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captain-price-unofficially · 6 months ago
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Toyota Hilux SCV. This is what the chicken tax truly denies us. From living closer to the true American Dream
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imeadvisors · 4 months ago
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New Australian visa changes for 2023–24
New Australian visa changes for 2023–24
Following an overhaul of Australia’s immigration regime and ahead of the government’s federal budget later this year, here are the visa changes and visa opportunities for 2023.
Australia’s immigration system is getting a makeover after a 186-page assessment warned last week that it is “not fit for purpose” and exposes temporary workers to abuse.
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Which changes to visa policies have already been made for 2023–2024? The path to citizenship for New Zealanders
New Zealand citizens who have resided in Australia for a period of four years or more will be eligible to apply for Australian citizenship from 1 July 2023 (the start of the Australian tax year) without having to wait for a permanent visa to be issued.
If you are a New Zealand national who moved to Australia after 26 February 2001 and hold a SCV (subclass 444), the changes will apply to you. If you are a long-term resident, you will be able to apply for your period of permanent residence to apply retroactively.
The New Zealand stream of the Skilled Independent (Subclass 189) visa is currently closed to new applications and will close for good on July 1.
change of student visa
Restrictions on student visa work were lifted during the pandemic and reintroduced in January of 2021 to address labour shortages. Students on primary and secondary visa work permits can work more than 40 hours every 2 weeks.
However, from July 1st, the student visa work period will be extended by 48 hours every 2 weeks.
Extension of 485 Work Visa
Subclass 485 Temporary Graduate visa holders will also have the option to extend their stay in Australia from this date.
With the extension, bachelor’s degree graduates stay for 4 years (from 2 years), 5 years (from 3 years) and 6 years (from 4 years) for master’s degree (from 4 years).
New visa for migrants from the Pacific
Applicants from the Pacific region and East Timor will be able to apply for a new visa with a maximum of 3K Places available. Ballots will be used annually to allocate places for Pacific Engagement visas (PEV). Applicants will have the opportunity to apply for permanent residence in Australia.
From July, applications can be submitted online.
Modifications for Working Vacationers
On July 1, 2022, the 6-month working restriction also came to an end, meaning WHMs could continue to work for the same organisation or group for six months without needing to obtain permission. This restriction was introduced to address employment shortages during the pandemic and was temporarily lifted in January 2022.
The limitation period of six months does not apply to work carried out before July 1. This means that a WHM can continue working with any employer up to six months after July 1, even if they started work before July 1.
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truck-india456 · 2 years ago
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Mahindra Jeeto The Best Compact Mini Truck of India:- Detailed Overview
The Mahindra Trucks & Buses Division is among the top-performing companies in the SCV and LCV segment. The brand holds a good reputation and manufactures valuable products for customers. The vehicle is a perfect example of this customer-oriented products theme. This vehicle is famous for its fuel-saving technology; the Mahindra Jeeto mileage is 32.86 KMPL. This is a compact minitruck that excels in every aspect and increases the profit. You can modify the vehicle in different ways like reefer container, open body or closed body Mahindra Jeeto. Let’s take a look at the price and other specifications. 
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Mahindra Jeeto Features:-
It is fitted with a Single cylinder Water Cooled engine and generates a power of 16 HP and torque of 38 HP. The Jeeto Gadi is famous in the intra-city transportation industry and goods carrier. The vehicle chassis is very tough and can take a good load of 600 KG. The good thing about this vehicle is that this vehicle has a good resale value, and after working for a long time, the maintenance is really low. Mahindra Jeeto price starts from Rs. 3.85 Lakh* and goes up to Rs. 4.40 Lakh*. This price is very attractive for small business owners as they get multiple cargo options in this vehicle with this range. Mahindra Jeeto on-road price differs from this given price in every state, as it will be finalised after adding many taxes and expenses. 
If you want to know more about Mahindra Jeeto and other Mahindra minitrucks, keep visiting Truck Junction.
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khetigaadi-me · 4 years ago
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John Deere 5310 Tractor
John Deere 5310 is a 55 HP tractor designed for exceptional performance, power and reliability. Its powerful engine and state-of-the-art technology makes it the best choice for a wide range of applications in different soil conditions.
John Deere 5310 Powerful Features
John Deere 5310 has Single Wet Clutch providing better usage as the clutch does not stop working easily.
John Deere Tractor 5310 has a 68-liter fuel tank, this large tank helps the user to perform long hours of work. 
John Deere 5310 tractor comes with a Power Steering which makes the handling of this tractor easy. 
John Deere 5310 has a high lift capacity of 2000 Kgf, this large value is because of highly powerful Hydraulics. 
John Deere 5310 specification is better in comparison to other tractors.  
John Deere hp is economical which provides better power take-off on fields. 
John Deere 5310 tractor total weight is 2110 KG.  
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John Deere 5310 has Self adjusting, self equalizing, hydraulically actuated, Oil Immersed Disc Brakes and Independent, 6 Splines power take off. 
John Deere 5310 tractor also comes with accessories like Ballast Weight, Canopy, Canopy Holder, Drawbar, Tow Hook, and Wagon Hitch. 
John Deere 5310 comes with additional features like Adjustable front axle, Heavy duty adjustable global axle, Selective Control Valve (SCV) , Reverse PTO (Standard + Reverse), Dual PTO (Standard + Economy), EQRL System, Go home feature, Synchromesh Transmission (TSS) , Without Rockshaft, Creeper Speed which provides comfort to the driver on the field.
John Deere 5310 is the most well liked tractor in India from the worldwide leader John Deere. John Deere 5310 is a 2nd generation tractor which is provided with advanced features like power steering, self-adjusting and self-equalizing oil immersed disc brakes. John Deere 5310 is a 55 HP tractor with 3 cylinder, 2900 cc engine at a rated RPM of 2400. And John Deere 5310 equipped with radiator with coolant cooled cooling system, and a coolant reservoir tank. The John Deere 5310 is a perfectly technologically advanced, powerful John Deere engine and more other features makes it the preferred tractor in the market. The John Deere 5310 delivers exceptional performance, never before experienced features, versatility and high reliability in any operation making John Deere 5310 tractor ideal everywhere India. Unique features of John Deere 5310 also include a single piece hood with gas strut mechanism and engine with torque backup up to 40%. John Deere 5310 fitted with Collar shift Transmission with 9 forward gears plus 3 reverse gears. The John Deere 5310 comes with Dry Type, Dual element air filter which provides an optimum air filtration to the tractor which improves engine performance and life with reduction in engine maintenance. John Deere 5310 is out there in 2WD or 4WD options. The John Deere 5310 price is suitable for quite 30 applications inducing the demanding applications of TMCH, Loader, and Dozer etc.
On road price of a John Deere Tractor 5310 in India is ₹ 7.85 to ₹ 8.59 consists of multiple factors like ex-showroom price, RTO registration amount, road tax amount and insurance amount. All of those components are added up to urge the on-road price of The John Deere 5310 Tractor. Also, these components vary from state to state. Price also changes depending upon the variant of The John Deere 5310 tractor.
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hotspotcitynet · 4 days ago
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It's Tax Time SCV-SFV | CPA Howard Dagley
We’re In The New Year, It’s Almost Tax Season SCV & SFV! Don’t hold off on taxes until the last minute. Eliminate your risks for an IRS audit and maximize your refund in 2025! If you live in the Santa Clarita Valley or the San Fernando Valley, CPA Howard Dagley is here to help you this tax season.   Howard Dagley is a certified tax accountant serving tax payers in the SCV, SFV & LA areas. Give…
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stampuscollection · 5 years ago
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US RG19, RG20, RG22, RG23, RG26 Silver Tax IR Tied 9/11/36 Piece VF-XF SCV $815 https://ebay.to/2ZqZDmR
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katierojasblog · 8 years ago
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Wrote another email to Mr. Knight but this one is much kinder than the last
Congressman Knight,    
Because House Republicans have decided to revive their AHCA plan and introduce further instability into the market, I have decided to reach out to you once again. I urge you to vote no on this bill because it will harm those with pre-existing conditions-- I do not care what Trump says, the language in the bill allows individual states to penalize the elderly and those with pre-existing conditions. This bill is arguably even worse than the one before and it would result in so many unnecessary deaths that anyone who voted for this bill would be responsible for.    I know that you believe in the free market, as do I, but you must understand that the free market does not provide everything that a country as wealthy as ours needs to succeed. The "pulling yourself up by the bootstraps" phrase is literally impossible, as an unhealthy population would be largely unproductive. There is SO much wealth in the United States, and if we want to call ourselves a main player in the world stage then we need to take care of all of our people in order to truly allow for equal opportunity. Do you honestly think that a poor black man with Type I diabetes who has to work two low-skill jobs has the same opportunity as a upper middle class white man? Do you actually think that the free market won't completely leave the sick to die on the streets?    I know that you want to stand with your party on this issue, but thankfully several other members have declared their intention to vote no on this bill, which should make it much easier for you to defect. I know the privileged people in SCV may disagree with you, and it could possibly even lead to you losing office. But this issue is much more important than your own self, and much more important than all of SCV and even all of California. This is a bill that could lead to millions across the US losing coverage. I urge you to think about the bigger picture here, and while it may not bring you satisfaction within the next few election cycles, I feel that you will be happy about your decision to protect the American people in the long-run.    Currently, the GOP does not have enough votes on this bill. However, I know that they are dedicated to dismantling any policy enacted in the Obama era (which, by the way, is an extremely toxic mindset that I feel is driven by extreme partisanship and not a passion for good policy). I believe that you can stand firm on this issue by saying no to any bill that does not offer equal or greater protections to the American people. It took eight years for the GOP to figure something out, and all they can come up with is bills that will allow discrimination against the elderly and people with pre-existing conditions, as well as setting the market up for failure by refusing to subsidize insurance and instead offer "tax credits" and light penalties. I know that the ACA is far from perfect, but the Democrats (and even the direct author himself) welcome any and all positive changes to it.     I myself am not even a proponent of single payer, I believe that a partially government subsidized healthcare system with a public option similar to Canada's system would be beneficial to Americans. However, I realize that the ACA is all people have right now, and the alternative of people being uninsured or only able to afford garbage plans is absolutely unimaginable.    I look forward to hearing your response, and I hope to be open to future correspondence about other issues the American public is concerned about. Thank you,Katherine Rojas (Santa Clarita Valley Resident since 2002)
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clavehell6-blog · 6 years ago
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Can NAR embrace technology without rendering agents obsolete?
(Illustration by Chris Koehler)
It was summer 2017 when Bob Goldberg ascended the stage at the Sheraton Grand Chicago. With Bruce Springsteen’s “Born to Run” playing in the background, Goldberg was introduced as the new “boss” of real estate’s most powerful trade association.
The lifelong Springsteen fan — he’s seen the Boss in concert nearly 200 times — clutched a red electric guitar and seemed to signal the beginning of a new era at the 110-year-old National Association of Realtors as he pledged to “knock down the ivory tower façade of NAR.”
But doing so hasn’t been easy for the 23-year NAR veteran, who headed marketing and business development before succeeding longtime CEO Dale Stinton.
With 1.3 million members spread across 1,300 local associations, NAR is a lobbying powerhouse. But it’s facing something of an existential challenge: how to embrace the technology that is rapidly changing the brokerage business without rendering agents obsolete.
Its efforts to do so — through a wholly owned venture fund as well as a multimillion-dollar listings portal — have generated sharp criticism from its own members.
Rob Hahn, founder of real estate consulting firm 7DS Associates, said most of NAR’s members join not because they value its services, but because it gives them access to local multiple listing services.
“The vast majority of people that are ostensibly members are just buying MLS access,” he said. “That creates a lot of animosity among brokers.”
And for all the talk of shattering ivory towers, NAR recently secured city approval to sink $45 million into its Chicago headquarters at 430 North Michigan Avenue — where plans call for adding 18,000 square feet of office space and a 25-seat glass-encased boardroom. The group plans to finance most of the project through its existing budget, but will also use $6 million from a dues increase this past May.
Amid questions over what members are getting for their money, the association is still paying the price for one of its biggest blunders.
That misstep dates back to the 1990s, when NAR licensed the listings portal Realtor.com — which it controlled — to California-based Move Inc. for $9 million a year. In theory, Realtor.com could have gone head to head with Zillow if it had focused on consumers, insiders said. Instead, critics said, NAR handcuffed Realtor’s growth by limiting the kinds of searches and data available. Today, Zillow has more than 175 million average monthly users, compared to Realtor’s 63 million.
“The story is that NAR stifled Move, and that’s why Zillow won,” said the CEO of a data startup, who spoke only on the condition of anonymity for fear of alienating NAR members. “With 1 million-plus Realtors and a great platform, Realtor.com should have beat Zillow.”
While there are those who believe the fight for digital listings is over, Goldberg isn’t one of them. In 2014, News Corporation famously bought Move for $950 million, and it has since boldly gone after Zillow’s market share. And NAR’s licensing agreement remains in place.
At his guitar-strumming introduction last year, Goldberg promised technology that could change the industry for the better.
“If we resist change, it is futile,” he said at the time. “The status quo is not an option.”
NAR’s tech play
NAR was a different kind of disrupter when it was founded in 1908 in Chicago by 120 “real estate men of America.” The group formed to exert their “combined influence” on the industry — which in 1916 included trademarking the name Realtor.
Since 2004, the organization — which also occupies a wedge-shaped, glass building a stone’s throw from the U.S. Capitol in Washington, D.C. — has spent $440 million lobbying on issues like tax reform, flood insurance and reforming Fannie Mae and Freddie Mac to protect 30-year fixed rate mortgages.
This year has been no different on the lobbying front. During 2018’s first half, NAR spent $27.3 million on federal lobbying, second only to the U.S. Chamber of Commerce, which shelled out $43.7 million.
“Not to be glib, but there are homeowners in every congressional district and the Realtors frequently work to inform and mobilize them, which gives the Realtors a powerful base across the country,” said Michael Beckel, policy analyst at the Washington, D.C.-based Issue One, a nonprofit that aims to reduce the influence of money in politics. “It’s safe to say NAR is one of the big dogs.”
But starting in 2008, NAR also began investing heavily in tech startups through its wholly owned subsidiary Second Century Ventures.
Such funds are extremely rare for trade organizations, according to analysts, largely because the investments could easily lead to conflicts of interest. This past May, for instance, the American Heart Association’s announcement of a $30 million VC fund sparked criticism from prominent cardiologists for that very reason.
Second Century Ventures’ initial $20 million war chest came from the membership association in the form of a line of credit. Since then, SCV has taken its returns and reinvested the money in other startups, said David Garland, a general partner at SCV since 2016. “This was never dues” money, he said.
With a median investment of $3.3 million, SCV has made 38 investments to date, showing a preference for seed- and early-stage companies, according to a dossier from research firm PitchBook. “Anything we believe can keep the Realtor at the center of the transaction and also yield a very sizable return,” Garland said.
But Second Century has kept a relatively low profile among other real estate-focused funds like MetaProp, Fifth Wall, Camber Creek and Moderne Ventures.
Competitors say that’s because it’s exclusively focused on residential real estate and tends to favor investments that can generate solid returns with less flash.
“Because they are not invested in any of the products that could be a threat to the residential community — listing aggregation platforms or anything that’s a disintermediator — they also haven’t had many big wins,” said Clelia Peters, a co-founder of MetaProp and president of Warburg Realty in New York.
In addition, sources said, at times the fund has moved slowly or been stymied by bureaucratic holdups.
“There were investments I couldn’t make along the way,” said Constance Freedman, who was SCV’s general partner until she left to found Moderne Ventures in 2015. “At the end of the day, they are a trade association, so I understand the criticism.”
Startups that have sought out SCV as an investor, however, count the affiliation with NAR as an asset.
Andrew Flachner, CEO of the data platform RealScout, said for him it was simply about the numbers: “NAR has access to 1.3 million Realtors.”
At NAR’s annual conference in Boston early last month, its executives hinted that SCV could launch another fund. But this one could use money raised directly from members. Addressing several thousand in the audience, NAR Treasurer Tom Riley said SCV — like NAR itself — was getting a major “revamp.” 
“Every single subsidiary, every single rock, every single structure of the organization for the past year and a half, we dug deep,” he said. SCV’s revamp is “going to be amazing,” he promised.
Questionable investments
But the blurry line between NAR and its portfolio companies has attracted criticism.
For example, along with the California Association of Realtors, NAR jointly owns a company called zipLogix — which provides digital transaction services. CAR separately has proprietary transaction forms that it gives its members as a benefit, which it allows zipLogix to license. Some have taken issue with that practice. Zillow, for example, sued, calling it anti-competitive.
Meanwhile, Second Century’s investment in DocuSign, another tech firm, erupted into public criticism this year after NAR proposed a dues hike for 2019. (Despite resistance from members, the board approved the increase.)
“It appears that prior NAR leadership invested $20 million of member money into Second Century Ventures, which stands to generate an estimated windfall of $100 million with the pending DocuSign IPO,” said Kenya Burrell-VanWormer, head of the Houston Association of Realtors, in an April statement. “But it appears that windfall may not benefit the members. Does this make any sense to anyone?”
In a scathing op-ed published by Inman, Jim Harrison, president and CEO of MLS Listings in the San Francisco Bay Area, accused NAR’s top ranks of pocketing the DocuSign earnings.
“Efforts by industry leaders, media and real estate entities to unearth information on how these funds will be accounted for or used, have been met without transparency or accountability,” he wrote in May. “They have been shrouded in secrecy.”
NAR’s board fired back, calling Harrison’s characterization replete with “falsehoods, misrepresentations and misinformation.”
At NAR’s midyear conference in Washington, D.C., Goldberg detailed where that money went. He said Second Century invested $5 million in DocuSign in 2009 and made $43.8 million after selling 28 percent of its shares post-IPO. Of that money, it returned $20 million to NAR. Goldberg did not say what happened to the remaining $23.8 million, but the trade group has said in the past that it reinvests its profits. Goldberg and Stinton declined requests for comment for this story, as did other NAR representatives.
Despite dissent within NAR’s ranks, some 20,000 members attended the association’s Boston conference — where leader said a planned dues hike in 2020 was off the table. The hike, they said, was unnecessary because of savings from budget cuts, a staff reorganization and a surge in membership.
“If you add it all up, it’s a substantial savings, which totally turned the tide on our financial operations,” said NAR’s Riley.
Outgoing NAR President Elizabeth Mendenhall — who received a standing ovation at the event when she officially handed off the job to successor John Smaby — said the organization remains as vital as ever.
“With the changes in the industry, a lot of members are questioning where they go with their own businesses,” she said. “That’s the role that NAR continues to play — to ensure Realtors are essential to the transaction. Knowing that NAR is behind you is very powerful.” 
To symbolize the leadership transition, she handed Smaby a crystal gavel, cautioning that it cannot be used to silence the crowd: “If you hit too hard, it’s going to chip.”
‘The horse has left the barn’
One of NAR’s most ambitious projects in recent memory — not to mention one of its most controversial — has been the creation of UpstreamRE, a single point of entry for residential listings nationwide. Plastered across its homepage are the words: “Streamline and take control of your data and your future.”
But today, a sense of powerlessness remains.
Introduced in 2015, the portal was billed as a way to make data more efficient and accurate by having each MLS enter listings directly. It also gives brokers and MLSs greater control over listings at a time when many see digital platforms like Zillow as a serious threat.
“There’s a common analogy that the horse has left the barn,” said Alex Lange, president and CEO of Upstream, describing the feeling among brokers that they’re no longer in control of their listings. “I say, what responsible ranch hand lets the horse go?”
Early on, NAR earmarked $6 million for Upstream. It was expected to go “full  throttle” by 2016. But a year later it was still puttering along and got another $9 million boost from NAR.
Not surprisingly, members voiced frustration as they watched their dues being spent with little to show for it, several said.
“This is members’ money,” Cindy Hamann, then-chair of the Houston Association of Realtors, told Inman in 2017.
John Mosey, president of NorthstarMLS in Minnesota and Wisconsin, said NAR made statements about Upstream “to the effect that they’re on track and achieved great progress.” But Mosey — whose MLS was selected as a pilot market for Upstream three years ago — said the opposite was true.
“To my knowledge, no one in our market is using it,” he said.
NAR isn’t alone in its attempt to catch up to its digital rivals.
For years, major New York City brokers resisted calls for a local MLS — inadvertently paving the way for StreetEasy to gain massive market share. It was only last year, when the Zillow-owned portal rolled out a series of fees, that the industry scrambled to syndicate listings through the Real Estate Board of New York.
But Upstream has also drawn scrutiny for how its rollout has been handled. The job of building it fell to Realtors Property Resource, a property database and NAR subsidiary.
Upstream’s Lange, who took over in 2016, acknowledged that while the work is complex, Realtors Property had taken “entirely too long to build this.” But, he said, because Realtors Property was “building it for me for free, I kind of have to go with it.”
Under Goldberg’s leadership, NAR has responded to the Upstream delay. In February, it directed Realtors Property to pull the plug on a project that would provide back-end technology for small and midsized MLSs. And in August, NAR slashed 10 percent of Realtors Property staff.
But it’s still not clear that Upstream has member buy-in — or that it ever did.
In a survey last year by the Council of Multiple Listing Services, more than half of MLSs said they weren’t sure if they would participate in Upstream, and 13 percent had “no interest” in participating.
Last year, former NAR Chief Executive Stinton blamed the MLSs. He said they hadn’t fully participated because they were unhappy that Upstream would control the listings.
“It’s pretty disappointing,” Stinton said. “Politics, and that’s my polite word.”
Even outside the MLS world, there remains an underlying skepticism about whether Upstream is a good idea.
Last summer, eXp Realty’s chief product and technology officer, Scott Petronis, expressed concern about having a “single point of failure” if Upstream consolidates control in one place.
And then there’s Zillow, which has a vested interest in ensuring that Upstream doesn’t succeed, given that its own lifeblood is the listings data that Upstream wants to control.
The listings giant —which has been Upstream’s fiercest critic — told federal regulators in July it was “greatly concerned” that Upstream could potentially cause “erosion of equitable access to listings data.”
The critique was part of a seven-page letter submitted to the Federal Trade Commission and U.S. Department of Justice in response to a June workshop on competition in real estate.
Zillow wrote that “members of Upstream’s board have repeatedly commented in public settings and in written communications that one goal of Upstream is to allow brokers to restrict data distribution to online portals.”
Yet regulators didn’t mention Upstream during the workshop itself.
Hahn, of 7DS Associates, finds that omission curious. “To have a national repository of some sort that was going to control access to listing data — that sounds like a big fat target for the DOJ and FTC,” he said.
Upstream’s governance prevents the company from making a profit, as does NAR’s. Once Upstream goes live in a market, it charges the MLS or brokers who enter data a fee. It can use those fees to cover operational costs. It’s also supposed to repay NAR’s initial funding; the first payment of $7.6 million is due in January.
Lange said that as of May, Upstream had commitments to cover a revenue target of $250,000 a month. But not all of those who have committed to participate are live.
“It’s not a 1, 2, 3, turn on,” Lange said. “Right now, it feels like a big Tetris puzzle. But it’s doable, and it’s happening.”
In the meantime, NAR and Upstream are facing competition from some of the very MLSs they are looking to serve.
In September, five MLSs — in Arizona, Wisconsin, Silicon Valley, Oregon and Utah — launched MLS Aligned, a platform that manages and distributes shared data.
“With 650 MLSs, we have a big industry,” said Chris Carrillo, president and CEO of MetroMLS in Wisconsin, referring to the number of MLS portals nationwide. “There’s plenty of room under this big tent to support different initiatives.”
But as projects like MLS Aligned and others launch, they may make Upstream somewhat irrelevant, Hahn said. Still, given how much money NAR has already invested, abandoning it also doesn’t make sense.
“It’s hard not to lose face if you just back away now,” he said. “Yet there isn’t a face-saving option that’s available.”
Source: https://therealdeal.com/issues_articles/nar-vs-the-naysayers/
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sandlerresearch · 6 years ago
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Governance, Risk and Compliance - The Ecuadorian Insurance Industry published on
http://www.sandlerresearch.org/governance-risk-and-compliance-the-ecuadorian-insurance-industry.html
Governance, Risk and Compliance - The Ecuadorian Insurance Industry
Governance, Risk and Compliance – The Ecuadorian Insurance Industry
Summary
GlobalData’s ‘Governance, Risk and Compliance – The Ecuadorian Insurance Industry’ report is the result of extensive research into the insurance regulatory framework in Ecuador.
It provides detailed analysis of the insurance regulations for life, property, motor, liability, personal accident and health, and marine, aviation and transit insurance. The report specifies various requirements for the establishment and operation of insurance and reinsurance companies and intermediaries.
The report brings together GlobalData’s research, modeling and analysis expertise, giving insurers access to information on prevailing insurance regulations, and recent and upcoming changes in the regulatory framework, taxation and legal system in the country. The report also includes the scope of non-admitted insurance in the country.
The report provides insights into the governance, risk and compliance framework pertaining to the insurance industry in Ecuador, including – – An overview of the insurance regulatory framework in Ecuador. – The latest key changes, and changes expected in the country’s insurance regulatory framework. – Key regulations and market practices related to different types of insurance product in the country. – Rules and regulations pertaining to key classes of compulsory insurance, and the scope of non-admitted insurance in Ecuador. – Key parameters including licensing requirements, permitted foreign direct investment, minimum capital requirements, solvency and reserve requirements, and investment regulations. – Details of the tax and legal systems in the country.
Key Highlights
– The SCVS regulates the Ecuadorian insurance industry. – Composite insurance is not permitted in the Ecuadorian insurance industry. However, composite insurers established prior to 1998 can offer both life and non-life insurance products. – Non-admitted insurance is not permitted. However, risks for which local capacity is not available are permitted to be placed with unauthorized insurers. – 100% FDI is permitted in the Ecuadorian insurance industry. – SPPAT, general insurance under the Social Security Act, and aviation insurance are some of the compulsory.
Scope
– The report covers details of the insurance regulatory framework in Ecuador. – The report contains details of the rules and regulations governing insurance products and insurance entities. – The report lists and analyzes key trends and developments pertaining to the country’s insurance regulatory framework. – The report analyzes the rules and regulations pertaining to the establishment and operation of insurance businesses in the country. – The report provides details of taxation imposed on insurance products and insurance companies.
Reasons to buy
– Gain insights into the insurance regulatory framework in Ecuador. – Track the latest regulatory changes, and expected changes impacting the Ecuadorian insurance industry. – Gain detailed information about the key regulations governing the establishment and operation of insurance entities in the country. – Understand key regulations and market practices pertaining to various types of insurance product.
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nathanielburgos · 5 years ago
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New Zealanders in Australia that are Eligible for Government Support
COVID-19
New Zealanders in Australia that are Eligible for Government Support
With the outbreak of COVID-19, many people may experience sudden financial hardship and need financial support to continue their stay in Australia. Below we will summarise the current regime in place to help New Zealanders in Australia.
COVID-19- Latest updates Coronavirus and Australian visas TSS visa holders affected by Coronavirus State migrations closing in response to COVID-19 COVID-19, TSS, Student and 485 visa holders COVID-19 and New Zealand visas Travel exemptions Visas eligible for government support
Book a Consultation
Subclass 444 holders may be eligible for Job Keeper or Job Seeker payment.
Job Keeper
The legislation for Job Keeper payment is passed on 8 April 2020. The ATO is updating their website to provide more information.
For now, we know that if you are a holder of a Subclass 444 and you are a resident for Australian tax purposes on 1 March 2020, you may be eligible for the payment.
Employers can register their interest to apply here.
Job Seeker
To be eligible for the Job Seeker Payment:
you’re between 22 and Age Pension age
you meet residence rules
your income and assets are under the test limits.
You also need to meet rules for either of these situations:
You meet our definition of unemployed and you’re looking for work.
You’re sick or injured and are unable to do your usual work or study for a short time.
You may be able to get JobSeeker Payment for 6 months, if you meet 2 conditions. These are that you:
hold a non-protected Special Category visa (SCV)
have lived in Australia without a break for at least 10 years right before you claim.
Non-protected SCV holders may only get JobSeeker Payment for a single period up to 6 months.
You can find information on how to claim on here.
New Zealander to AU
189 visa New Zealand stream (PR)
NZ citizen to AU PR
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New Zealanders in Australia that are Eligible for Government Support
https://ift.tt/2VkdV6V 480 640 SeekVisa: Australian Migration Agents and Lawyers in Melbourne https://ift.tt/2sMK9wK SeekVisa: Australian Migration Agents and Lawyers in Melbourne2020-04-10 00:13:152020-04-10 01:10:18New Zealanders in Australia that are Eligible for Government Support
States closing their business migration programs in response to COVID-19
https://ift.tt/3aURHPq 391 1267 SeekVisa: Australian Migration Agents and Lawyers in Melbourne https://ift.tt/2sMK9wK SeekVisa: Australian Migration Agents and Lawyers in Melbourne2020-04-08 22:39:562020-04-09 00:11:32States closing their business migration programs in response to COVID-19
Online citizenship ceremonies being trialled during coronavirus crisis
https://ift.tt/2UKG0VO 247 640 SeekVisa: Australian Migration Agents and Lawyers in Melbourne https://ift.tt/2sMK9wK SeekVisa: Australian Migration Agents and Lawyers in Melbourne2020-04-06 21:08:482020-04-06 21:39:58Online citizenship ceremonies being trialled during coronavirus crisis
New sub-stream of 408 visa for COVID-19 Pandemic Temporary Workers in Australia
https://ift.tt/2x7FWWX 428 640 SeekVisa: Australian Migration Agents and Lawyers in Melbourne https://ift.tt/2sMK9wK SeekVisa: Australian Migration Agents and Lawyers in Melbourne2020-04-06 16:34:592020-04-07 13:24:04New sub-stream of 408 visa for COVID-19 Pandemic Temporary Workers in Australia
Visa flexibility for Working holiday makers supporting critical sectors
https://ift.tt/2V3ebXA 413 640 SeekVisa: Australian Migration Agents and Lawyers in Melbourne https://ift.tt/2sMK9wK SeekVisa: Australian Migration Agents and Lawyers in Melbourne2020-04-04 19:35:342020-04-06 16:35:34Visa flexibility for Working holiday makers supporting critical sectors
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hotspotcitynet · 11 days ago
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Get Prepared For The New year - Howard Dagley SCV - SFV - LA
Get Prepared For The New year With SoCal’s best CPA, Howard Dagley! Tax filing season is just around the corner. Don’t be one of the millions of filers who delay filing their taxes until the last minute. File your taxes with ease in 2025!   Howard Dagley, CPA is a certified tax accountant serving tax payers in the SCV, SFV & LA areas. To get started today, call Howard Dagley today at…
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danalonrealtor-blog · 8 years ago
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6 home tax facts #av #Santa Clarita #mls #santaclarita #fsbo #realestateagent #scv #realestate #LookingToMove, #INeedToMove #IWantToMove #Ca #antelopevalley #danalon.com#forsalebyowner
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schlickart · 8 years ago
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Hey, I’m supporting Soroptimist International of Greater Santa Clarita Valley again this year by participating in their charity runway show to raise funds for women and girls in our community and globally! This year’s event is called London's calling - for a cause and in keeping with the British theme, I’m one of five Dukes (Santa Clarita businessmen) who are raising funds for the event. I could use your help in the form of a $5 (or more) vote. How to vote? Go to www.SIGSCV.org, click on the Runway Show link and scroll to the bottom of the page to the Battle of the Dukes. Just enter the number of votes you want to cast and Check Out. (Remember to enter my name in the Notes section when you check out). Your donations are tax deductible! Thanks so much! #SchlickArt #tellyourstory #SCV (at Schlickart)
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katierojasblog · 8 years ago
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Letter to my representative
Dear Mr. Knight,
I have grown up in the SCV community since it was a dusty, undeveloped landscape. On my street, the only melanin I saw was in the hot, tired gardeners that everyone paid $20 a week to mow their lawns, and my dad, who coincidentally was the only homeowner who tended their own lawn (maybe he wasn't afraid of the sun like everyone else seemed to be). My schools were similar, in that the majority of the students were white. I remember my young brother got called in for random drug testing - in the eighth grade - three times in one year. Do you think that would have happened if his last name was Smith?
It's no surprise that my overwhelmingly white, wealthy town is also overwhelmingly Republican-- which is why, obviously, you're here on this formal .gov address, representing all of our voices. We live in a community far away from the scary trailer parks and projects. Some fortunate residents even living within fancy gates just to prove how safe and hard-working they are! So I get why you aren't afraid to fall in line with other Republicans. Look at all these rich constituents who love their tax cuts, why give to those less fortunate when we can let the free market sort them out? They just need to pull themselves up by the bootstraps like we did! We deserve to keep our money so we can build more gates, more Whole Foods markets, more Camarros!
I see this mentality, the wealth. We drown in it, while ignoring that 10 miles away people are struggling to feed their families. So while maybe you and I can afford our nice healthcare plans, people outside our conservative bubble can't. What is the point of choice when every choice is unreasonably expensive? You don't even have to listen to me and my silly liberal thoughts. Just listen to the experts like the AMA, or the CBO.
People are going to die if this bill, or any similar short-sighted repeal of the ACA, passes. And just because those deaths will be those of the elderly, or minorities, or the poor, doesn't make them any less important. America is the greatest country on earth, a true economic and social powerhouse. If we have the monetary resources to fund healthcare, then why wouldn't we? If our founding fathers knew we would be this rich, this fortunate, this privileged, then do you really think they wouldn't consider affordable healthcare a right of each American?
If you don't particularly enjoy my appeal to pathos, let me attempt to appeal to your logos. Poor health keeps people from working and contributing to the economy. Poor people are going to pay for their heart medication before buying a home. I'm not even advocating for a single-payer system. Countries such as Canada have thrived with their multi-payer system that still makes healthcare almost completely free for those who cannot afford it.
Every other powerful country sees our healthcare system as barbaric and yet another unnecessary roadblock to the success of our less fortunate members. How are the unfortunate supposed to afford education and technical training if they have to choose between eating this week and getting their appendix removed?
I know that Republicans don't actually buy into the idea that the free market will take care of the American people's health issues. Yet you all peddle this lie that free health insurance would demotivate people to work, when in reality it would stimulate the economy by improving worker health. We wealthy people can live without that extra thousand each year if it means that those in need can at least be on equal footing with us when it comes to something as basic as health. I have been fortunate enough to go to school for a study that will earn me a lot of money in the future. I promise you that I do not need that extra thousand if it means I can contribute to something greater than myself. Paul Ryan so desperately wants tax cuts that he is willing to rip away poor people's chances for prosperity.
And you, Mr. Knight, openly champion of this toxic mentality. Try going to poor communities, looking these people in the eyes, and telling them that they will lose their healthcare and that they should just work harder if they want to die less quickly. You can pretend that you're safe in your little conservative bubble, that 2018 will have your back, but just know that if you walk into congress this Thursday with your shiny shoes and fancy suit and the word "yea" escapes your mouth, I will NEVER stop calling, emailing, protesting, writing, and voting to prevent you from taking office again. I will constantly work to show your grandchildren, and your great-grandchildren, that you and all the people like you were on the wrong side of history. And there are other people like me, who are not afraid to call out the injustice that this transition of power has brought upon our home.
In this moment, America must look at itself in the mirror and ask who she truly is. My America protects its immigrants, its sick, its poor, its elderly, and its brown. My America will make sure that future generations have equal opportunity to succeed, where those on top admit that this society has allowed them to get where they are and that it is their duty to give back to those who aren't as fortunate. Your America, Mr. Knight, will not survive the progress of history and the resistance of those within it. You can try to slow it down all you want, but come 2020 you will realize that Trump was the dying breath of your party.
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hotspotcitynet · 18 days ago
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Happy Holidays From CPA - Howard Dagley SCV
Howard Dagley CPA Is Wishing You And Your Family Happy Holidays This Week! If you’re looking to get ahead of your taxes this winter season, give Howard Dagley, CPA a call today at 1-661-255-8627. We’re in the last month of the year and tax season will be here before you know it! Don’t be one of the millions of tax filers that wait until the last minute in 2025. Get ahead of the tax rush early so…
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