#c form central sales

[cadeveshthakur]

List of documents required in case of CST assessment and in case of mismatch of 2A and 2B. Reply to the objection filed under DVAT/ CST.

[beardedmrbean]

The Left Alliance and the Greens are now the only political parties in parliament which clearly oppose Finland withdrawing from the Ottawa Convention banning anti-personnel landmines, the news group Uutissuomalainen reports.

A survey of parliamentary party group leaders found that the National Coalition Party, the Finns Party, the Christian Democrats and Movement Now are in favour of withdrawing, while the Social Democrats and Swedish People's Party are willing to discuss the issue.

The Centre Party did not respond to the question.

However, Ilta-Sanomat points out that the Centre Party's chair, Antti Kaikkonen, told the party newspaper Suomenmaa at the weekend that anti-personnel mines must be re-evaluated if the Finnish Defence Forces (FDF) demand it.

The debate on anti-personnel landmines was reopened at the weekend by the FDF's commander, General Janne Jaakkola. He told Finnish news outlet MTV the changed security environment is now different from when Finland joined the Ottawa Treaty in 2011.

Prime Minister Petteri Orpo (NCP) told Iltalehti on Sunday that the nation's foreign policy leadership is discussing the land mine issue. Defence Minister Antti Häkkänen (NCP) said on Monday that he launched a study on the need for anti-personnel mines already this past summer.

The government is currently finalising its latest defence policy report. The report is due to be submitted to Parliament during before the end of the year.

More resources for police

This past autumn, the government decided to increase the budget for the Interior Ministry by 19 million euros, of which around 11 million will be allocated to the police, in particular to fight street gangs, juvenile crime and the grey economy.

The additional resources are expected to be allocated to police departments in the capital region and in Central Finland.

Hämeen Sanomat is among the papers reporting that the number of police officers is expected to increase by just under 60 members next year.

Additional personnel have already been recruited for operational police tasks, in particular for criminal investigations, and operations targeting gang crime and cybercrime.

According to preliminary estimates, 310 new police officers will graduate from Finland's Police University College this year and 250 next year. The number of openings for police training was increased to 500 this year, up by 100 over previous years.

Over 100,000 foreign students

The news agency STT takes up figures published by the Finnish Education Employers organization (FEE) showing that there were more than 114,000 foreign students studying in the country last year.

The number of foreign students in vocational and other higher education and has doubled since 2014 and tripled since 2009. The number of foreign children and pupils has also increased in both early childhood education and other forms of primary and secondary education.

"The fastest growth has been in vocational education and training, where there were over 40,000 foreign students last year. The internationalisation trend is positive and necessary, as Finland needs immigration for work and education," FEE Managing Director Susanna Niinistö-Sivuranta said in a release.

The number of international teaching staff also increased at all levels of education during the past year, according to the FEE report.

Home purchase discounts

The new housing market remains stagnant, new houses and flats are selling poorly and builders are now more willing to negotiate discounts on list prices, reports Helsingin Sanomat.

According to the paper, there are more than 3,000 new homes for sale in the capital region.

Among the sellers interviewed by HS was Markus Heino, CEO of JM Finland, who said that right now it is difficult to sell new homes without negotiating over price.

According to Heino, how much can be cut from list prices is a case-by-case matter, depending on factors such as overall supply in the area.

"Some discounts are very small, others can be more than 10 percent," he told HS.

JM Finland has also adjusted its list prices, but Heino added that it is unlikely that the market will see big price reductions.

There are already small signs of an upturn in the market for older homes, and Heino said he believes this will soon be reflected in the new housing market, as well.

Cold and colder up north

A new record low temperature for this early winter season is possible in Lapland on Wednesday night or early Thursday morning.

The coldest temperature so far this season was -22.5 Celsius on 21 November in Utsjoki in the far north of Finnish Lapland.

A forecast carried by Iltalehti looks to chilling daytime temperatures in Lapland this week of 10-20 degrees below zero.

According to Foreca weather service meteorologist Joonas Koskela, if skies remain clear, part of Lapland may see the thermometer dip down as low as -25 Celsius overnight.

[feline17ff]

Info copied from linked page :)

WHAT’S GOING ON?

In Fall 2021, the US Congress passed the Infrastructure Investment and Jobs Act (IIJA) amidst significant backlash from the public. The package contained some deeply misguided provisions addressing cryptocurrency that threatened software developers trying to create alternatives to Big Banks and Big Tech. We led much of the opposition through our viral campaign at dontkillcrypto.com and now we’re ready to fight its implementation. Almost two years later on August 29, the US Treasury Department and the Internal Revenue Service (IRS) published their proposed regulations on the sale and exchange of digital assets by brokers as part of their implementation of the IIJA. This rulemaking will define a “digital asset” and who qualifies as a “broker” under the tax code. We have until November 14 to submit comments so we created this page so that individuals can make their voices heard.

What exactly is the new rule being proposed?

The Treasury and IRS want to make a new rule that makes anyone “responsible for regularly providing any service effectuating transfers of digital assets on behalf of another person” a broker. This move would require anyone deemed a broker to collect, keep and report personally-identifiable information from their users (including names, addresses and other financial information via tax forms to the IRS). This makes a lot of sense in the traditional financial (TradFi) world but gets very difficult to implement with decentralized finance (DeFi). It would force DeFi developers who don’t need or want to collect information on their users to do so, thus facilitating government financial surveillance and threatening privacy and anonymity online. Compliance with this rule and its reporting requirements would be impossible. It would essentially be forcing a central point of control where none exists. This could have catastrophic consequences for the decentralized use of digital assets by forcing centralization, creating intermediaries and rendering decentralized technology virtually impossible to access or develop in the U.S.

What are the concerns for the everyday user?

Financial data reveals some of our most sensitive personal information, including our personal interests, the causes we support, and our plans for the future. The agencies’ total failure to consider our privacy rights is outrageous given that this rule would dramatically expand the financial surveillance dragnet.

There is no reason for any of us to believe that these agencies can securely store such a massive collection of sensitive information on millions of people. In 2022, the IRS mistakenly made private information about 120,000 taxpayers publicly available and the Treasury has been hacked in the recent past. Collecting unnecessary information serves no other purpose than to put users at further risk that neither agency can protect them from.

In addition, the Fourth Amendment makes it unconstitutional for the government to force individuals or businesses to collect and report the personal information of others if they (a) don’t already collect that information as part of their business, (b) have no reason to collect that information apart from the government demand, and (c) if the information is not already voluntarily provided. The IRS and Treasury should at the very least, take this opportunity to do the right thing—interpret the statute narrowly and revise this policy accordingly by taking out the requirement for developers to stalk and surveil users of their technologies.

Will this new rule stop tax evasion, money laundering and other serious crimes?

In short, no. People who are operating illegal schemes can continue to use other means. This will not be a miracle fix for problems that exist within traditional finance. Instead, it will cause more issues than it attempts to solve. Similar rules at traditional financial institutions have backfired, allowing these crimes to flourish at some of the world’s biggest, most heavily-regulated banks. If it hasn’t worked before, why would it work now? This rule will effectively impose financial surveillance on people who are participating in the crypto-economy for legitimate purposes, while having little-to-no impact on bad actors.

So, how do I send my comments to the IRS and Treasury?

View this post on Instagram

A post shared by Fight For The Future (@fightfortheftr)

Commenters are strongly encouraged to submit public comments electronically. We built this tool to make it easy for everyone to send a comment on this rulemaking. You can use the form above to let the IRS and Treasury know what you think of this new policy. It is very important to add personal stories and insights to really make an impact. You can also submit electronic submissions directly via the Federal eRulemaking Portal at www.regulations.gov, indicate IRS and REG–122793–19 and follow the online instructions for submitting comments. The Treasury Department and the IRS will publish any comments submitted electronically or on paper to the public docket. Once submitted, comments are public and cannot be edited or withdrawn. If necessary, you can also follow the instructions on the page for how to send paper submissions. Written or electronic comments must be received by November 14, 2023.

[omcmedicalblog]

India Medical Device Registration - OMC Medical Limited

Regulatory Authority

Central Drugs Standard Control Organization

The Central Drugs Standard Control Organization (CDSCO) is the National Regulatory Authority (NRA) of India, responsible for regulating drugs and cosmetics under the Drugs & Cosmetics Act, 1940 and rules 1945.

It aims to ensure patient safety, rights, and well-being by ensuring the safety, efficacy, and quality of medical products manufactured, imported, and distributed in the country. CDSCO is responsible for drug approval, clinical trials, setting standards, controlling imported drug quality, and coordinating activities of State Drug Control Organizations.

It also grants licenses for specialized categories of critical drugs such as blood and blood products, I.V. fluids, vaccines, and sera, in collaboration with state regulators. The CDSCO strives for transparency, accountability, and uniformity in its services to ensure the safety, efficacy, and quality of medical products in India.

Link for Regulatory Authority

Local Regulation

Medical Device Act, 2017

Classification of Medical Devices

Class A, B, C and D

Listing or Registration Requirements

A voluntary registration pathway is available to medical devices from April 1, 2020, to October 1, 2021. Medical devices submitted under the new voluntary rules are referred to as “Non-Regulatory Medical Devices.” The registration process will generate a file number the same day which the importer must mention on the label of the medical device prior to placing the devices on the market.

After this voluntary period, all classes of products will need to either have an Import License or register through CDSCO’s online portal.

Class A and B non-Notified medical devices will have 12 months (i.e., by October 1, 2022) to obtain an Import License. Class C and D devices will have 24 months (i.e., by October 1, 2023) to meet the same requirement.

Registration for non-notified medical devices has become mandatory since October 2021.

Starting October 2022, class A & B non-notified devices will become notified devices and hence will require full product registration.

Starting October 2023, class C & D non-notified devices will become notified devices and hence will require full product registration

Documents Required for India Medical Device Registration

Form 40

TR6 Challan

Power of Attorney

Schedule D(I)

ISO 13485 Certificate

Full Quality Assurance Certificate

CE Design Certificate

Declaration of Certificate

Free Sale Certificate

Certificate of Marketability from GHTF countries

Regulatory Approvals

PMS Report

Plant Master File

Device Master File

Registration Timeline

6 to 9 Months

Registration Fee

Fee Details CDSCO

Application fees (online)

Class A: INR 500 (one site); INR 50 (each distinct device)

Class B: INR 1,000 (one site); INR 500 (each device)

Class C and D: INR 5,000 (one site); INR 1,000 (each device)

Application fees (hard copy)

Class A: INR 2,000 (one site); INR 500 (each device)

Class B: INR 5,000 (one site); INR 2,000 (each device)

Class C and D: INR 10,000 (one site); INR 5,000 (each device)

License Validity

Registration certificate (valid for 3 years): Generally, it’s recommended to apply for renewal 6 months before expiry. This ensures enough time for processing and avoids potential interruptions in business operations.

Import license (valid for 5 years): You need to submit the renewal application within 3 months of the expiry date.

Special Labelling Requirements

All the documents must be submitted in English

Additional Comments

Registration for non-notified medical devices has become mandatory since October 2021.

Starting October 2022, class A & B non-notified devices will become notified devices and hence will require full product registration.

Starting October 2023, class C & D non-notified devices will become notified devices and hence will require full product registration

Who should make this Communication?

Manufacturer

Authorized Representative

When to make this Communication?

Before placing a medical device into the market.

Market Access Requirements

Commencing October 1, 2023, the acquisition of an MD-14/15 Import License becomes obligatory for all Class A (Measuring and Sterile), B, C, and D medical devices intended for importation. The MD-14 application procedure mandates the submission of a comprehensive Device Master File (DMF) specific to each product, along with a Plant Master File (PMF) providing details about the manufacturing facility. 

Upon a meticulous approval process, an MD-15 Import License will be issued to a local license holder for the manufacturing site, covering a comprehensive list of all approved medical devices.

As outlined in the Circular (PDF) released on October 12, 2023, it has been specified that non-Notified Class C and D medical devices enlisted in the mandatory registration program, and concurrently undergoing a pending MD-14 application, are granted permission to continue their importation activities for a period of six (6) months.

How OMC Medical can assist you with the Process?

Act as your Authorized representative

Why Choose Us?

Working towards client satisfaction

Cost effective solutions

Project completion before deadline

Quality Regulatory affairs solutions

Contact us for free consultation: info@omcmedical.co.uk

Get more detailed information here: https://omcmedical.com/india-medical-device-registration/

[skillscaravan1]

Cross-Training Employees: A Strategic Solution to Address the Skills Gap in Today’s Workforce

In the dynamic landscape of today’s workforce, organizations are continually challenged by the skills gap—the disparity between the skills employees currently possess and those required to meet evolving business demands. One effective strategy to bridge this gap is cross-training employees. This approach not only enhances workforce versatility but also fosters a culture of continuous learning and adaptability. In this article, we will explore how cross-training can serve as a strategic solution to address the skills gap, improve employee engagement, and enhance overall organizational performance.

Understanding the Skills Gap

The skills gap is a pressing issue that affects many industries globally. According to recent studies, approximately 70% of organizations report experiencing a skills gap, with many indicating that the situation has worsened over time. The rapid pace of technological advancement and shifting market demands necessitate that employees continuously update their skills. Organizations must conduct regular skills gap analyses to identify specific areas where training is needed. This analysis involves assessing existing employee competencies against the skills required for current and future roles, enabling targeted development initiatives to close these gaps effectively.

The Importance of Cross-Training

Cross-training refers to training employees in multiple roles or functions within the organization. This strategy not only equips employees with a broader skill set but also enhances their understanding of how different departments operate. By fostering a more versatile workforce, organizations can improve operational efficiency and reduce reliance on specialized roles. For example, if an employee from the sales team is trained in basic compliance training or POSH training (Prevention of Sexual Harassment), they can better understand how their role impacts other areas of the business, leading to improved collaboration and communication.

Enhancing Employee Engagement Through Cross-Training

One of the significant benefits of cross-training employees is its positive impact on engagement levels. Employees who feel empowered to learn new skills and take on diverse responsibilities are often more satisfied with their jobs. This satisfaction translates into higher retention rates, reducing turnover costs for organizations. Moreover, cross-training initiatives can serve as a form of career development, allowing employees to explore different career paths within the organization without needing to change employers.

Creating a Culture of Continuous Learning

To effectively implement cross-training programs, organizations must cultivate a culture that values continuous learning. This involves encouraging employees to pursue additional training opportunities and providing them with access to resources such as Learning Management Systems (LMS). An LMS can facilitate cross-training by offering a centralized platform for accessing training materials, tracking progress, and assessing competency levels across various roles. By integrating AI in learning and development, organizations can personalize training experiences based on individual learning styles and career aspirations.

Addressing Compliance Training Needs

Compliance training is essential for ensuring that employees understand legal standards and organizational policies. By incorporating compliance training into cross-training initiatives, organizations can ensure that all employees are well-versed in essential regulations such as workplace safety and harassment prevention. For instance, when sales representatives receive POSH training alongside their regular sales enablement training, they become more aware of how their interactions with clients should adhere to legal standards.

The Role of AI in Compliance Training

AI technologies can enhance compliance training by automating content delivery and assessment processes. For example, AI-driven LMS platforms can provide real-time updates on regulatory changes and deliver relevant training modules accordingly. This ensures that all employees remain compliant with current laws while also streamlining the onboarding process for new hires through effective preboarding strategies. By offering compliance-related resources during preboarding, organizations set clear expectations from day one.

Building Versatility Through Cross-Training

Cross-training not only addresses immediate skills gaps but also prepares organizations for future challenges by building a more versatile workforce. Employees who possess knowledge in multiple areas are better equipped to adapt to changes in business needs or market conditions. For instance, if an employee trained in both marketing and sales is suddenly needed in a customer service role due to increased demand, they can seamlessly transition into that position without extensive retraining.

Implementing Effective Cross-Training Programs

To implement successful cross-training programs, organizations should follow several best practices:

Conduct Skills Gap Analysis: Regularly assess employee skills and identify areas where cross-training would be beneficial.

Set Clear Objectives: Define what you aim to achieve through cross-training—whether it’s improving team collaboration or enhancing customer service capabilities.

Utilize Technology: Leverage LMS platforms equipped with AI capabilities to create personalized learning paths for employees.

Encourage Peer Learning: Foster an environment where employees can learn from each other through mentorship programs or job shadowing opportunities.

Measure Outcomes: Continuously evaluate the effectiveness of cross-training initiatives through performance metrics and employee feedback.

The Impact on Sales Enablement Training

Cross-training also plays a crucial role in enhancing sales enablement training programs. Sales teams equipped with knowledge from various departments—such as product development or customer service—can deliver more informed pitches and foster stronger relationships with clients. When sales representatives understand compliance requirements or how products are developed, they can communicate more effectively with customers about features and benefits.

Fostering Collaboration Across Departments

By breaking down silos between departments through cross-training initiatives, organizations promote collaboration and teamwork. For example, when marketing professionals receive basic sales training, they gain insights into customer interactions that can inform more effective marketing strategies. This collaborative approach not only enhances overall business performance but also creates a cohesive work environment where everyone is aligned toward common goals.

Conclusion: A Strategic Approach to Bridging the Skills Gap

In conclusion, cross-training employees represents a strategic solution for addressing the skills gap prevalent in today’s workforce. By fostering a culture of continuous learning and adaptability through targeted training initiatives—such as compliance training, POSH training, and sales enablement programs—organizations can enhance employee engagement while preparing for future challenges.

As businesses continue to navigate an increasingly complex landscape driven by technological advancements and changing market dynamics, investing in cross-training will be essential for maintaining competitive advantage. By equipping employees with diverse skill sets and fostering collaboration across departments, organizations will not only bridge existing skills gaps but also cultivate a resilient workforce capable of thriving in any environment.

In this era of rapid change, embracing cross-training as part of your organizational strategy will empower your workforce while driving innovation and growth across all levels of your organization.

[finverto]

Understanding PAN: The Permanent Account Number

Understanding PAN: The Permanent Account Number. The Permanent Account Number (PAN) is a critical element of India’s financial and tax system. Issued by the Income Tax Department under the supervision of the Central Board of Direct Taxes (CBDT), PAN is a unique identifier essential for various financial transactions and for tracking taxable income. This blog explores the importance, structure, application process, and uses of PAN in India. GST Registration.

What is PAN?

PAN is a 10-character alphanumeric identifier issued to individuals, companies, and entities. It serves as a universal identification key for tracking all financial transactions, ensuring transparency and preventing tax evasion. The PAN card, which contains the PAN along with the holder’s name, date of birth, and photograph, is an important document for Indian residents and entities. GST Filing.

Structure of PAN

The PAN is structured as follows:

First Five Characters: Alphabetic (AAAAA)

The first three characters represent a sequence of alphabets from AAA to ZZZ.

The fourth character represents the type of PAN holder (e.g., ‘P’ for individual, ‘C’ for company, ‘H’ for HUF, etc.).

The fifth character is the first letter of the PAN holder’s last name/surname (in the case of individuals) or the first letter of the entity name.

Next Four Characters: Numeric (9999)

These are sequential numbers from 0001 to 9999.

Last Character: Alphabetic (A)

This is a check digit used for verifying the validity of the PAN.

Importance of PAN

Taxation: PAN is mandatory for filing income tax returns and for all correspondence with the Income Tax Department. It helps in tracking the tax payments and tax deductions of individuals and entities.

Financial Transactions: PAN is required for a variety of financial transactions such as:

Opening a bank account

Depositing cash above a certain limit

Applying for loans and credit cards

Investing in mutual funds, stocks, and securities

Purchase or sale of immovable properties and vehicles above a specified limit

Business Transactions: Businesses must quote their PAN in all documents related to financial transactions, including sales, purchases, and contract agreements.

Government Subsidies: Individuals need to provide their PAN to receive direct benefits and subsidies from government schemes.

How to Apply for PAN

Applying for a PAN card is a straightforward process, available both online and offline:

Online Application

Visit the Official Website: Access the official PAN service websites of NSDL (https://www.tin-nsdl.com) or UTIITSL (https://www.utiitsl.com).

Select Application Type: Choose the appropriate form (Form 49A for Indian citizens, Form 49AA for foreign citizens).

Fill in the Details: Complete the application form with accurate personal information.

Upload Documents: Submit the required documents for proof of identity, proof of address, and proof of date of birth.

Payment: Pay the application fee through available online payment methods.

Submission and Acknowledgment: Submit the form and note the acknowledgment number for tracking the application status.

Offline Application

Obtain the Form: Get Form 49A (for Indian citizens) or Form 49AA (for foreign citizens) from the nearest PAN service center or download it from the official websites.

Fill the Form: Complete the form with the necessary details.

Attach Documents: Attach copies of the required documents for identity, address, and date of birth proof.

Submit the Form: Submit the form along with the documents and the application fee at the nearest PAN service center.

Acknowledgment: Receive an acknowledgment slip for tracking the application status.

Documents Required for PAN Application

Proof of Identity: Aadhaar card, voter ID, passport, driving license, etc.

Proof of Address: Aadhaar card, voter ID, passport, utility bills, etc.

Proof of Date of Birth: Birth certificate, matriculation certificate, passport, etc.

https://www.finvertoassociates.com/wp-content/uploads/2024/07/Designer-2.jpeg

Common Uses of PAN

Filing Income Tax Returns: Mandatory for individuals and entities to file income tax returns.

Bank Account Operations: Required for opening new bank accounts and conducting high-value transactions.

Financial Investments: Essential for investing in stocks, mutual funds, and other financial instruments.

Property Transactions: Necessary for purchasing or selling property above a specified value.

Receiving Professional Fees: Freelancers and consultants need to quote PAN to receive payments above a certain threshold.

PAN is a vital tool for maintaining financial transparency and accountability in India. It not only facilitates smooth and efficient tax administration but also ensures that financial transactions are conducted in a regulated manner. Whether you are an individual, a business, or an entity, having a PAN is indispensable for engaging in any significant financial activity in India.

[startupfino-update]

C Form – All You Need to Know About

Understanding the significance of the 'C' Form in interstate trade under the Central Sales Tax Act. Learn its issuance, importance, and regulatory compliance, crucial for seamless transactions and discounted purchases.

[busaddablog]

Access Exclusive Travel Savings

I. Introduction

A. The Travel Industry:

With the world becoming more accessible and interconnected, travel has become an integral part of our lives. From leisure trips to business travels, people are constantly on the move, seeking new experiences and opportunities.

B. Introduction to Busadda:

II. Understanding Travel Discounts

A. Types of Travel Discounts Available:

Travel discounts come in various forms, including promotional codes, seasonal offers, group discounts, and loyalty programs. Understanding these options can significantly impact your travel budget.

B. Importance of Seeking Discounts in Travel Planning:

With rising travel costs, seeking discounts is essential for budget-conscious travelers. By strategically leveraging discounts, travelers can stretch their budgets further and indulge in more experiences.

C. Advantages of Using Platforms like Busadda for Discounts:

Busadda offers a centralized platform where travelers can access a wide range of discounts and offers from various travel partners. This convenience streamlines the booking process and ensures maximum savings.

III. Exploring Busadda

A. Introduction to Busadda:

B. How BusAdda Works for Travelers:

Busadda simplifies the booking process by offering a seamless experience from browsing to payment. Its intuitive interface allows travelers to compare prices, select preferred routes, and secure bookings effortlessly.

C. Overview of Discounts and Offers Available on Busadda:

IV. Leveraging Travel Discounts on Busadda

A. Tips for Maximizing Savings on Busadda:

To make the most of Busadda’s discounts, travelers should keep an eye out for flash sales, bundle deals, and last-minute offers. Planning ahead and being flexible with travel dates can also lead to significant savings.

B. Understanding the Terms and Conditions of Discounts:

Before availing of any discount, it’s essential to carefully read and understand the terms and conditions. Pay attention to any restrictions or limitations to ensure a smooth booking experience.

C. Utilizing Loyalty Programs and Rewards:

V. Case Studies: Real-Life Examples of Savings

A. Stories of Travelers Who Saved Using Busadda Discounts:

Hear from real travelers who have benefited from Busadda’s discounts and offers. Their experiences serve as inspiration for others looking to save on their next trip.

B. Testimonials and Reviews Highlighting the Effectiveness of Busadda:

VI. Additional Resources

A. Links to Further Information on Travel Discounts:

Provide links to relevant articles, guides, and resources that offer additional insights into travel discounts and savings strategies.

B. Recommendations for Other Discount Platforms and Tools:

While Busadda is an excellent option for travel discounts, there are other platforms and tools worth exploring. Share recommendations for alternative platforms that cater to different travel preferences and needs.

VII. Conclusion

A. Recap of the Benefits of Travel Discounts: Travel discounts not only save money but also enable travelers to experience more during their journeys. Busadda’s commitment to providing affordable travel options makes it a valuable asset for budget-conscious travelers.

B. Final Thoughts on Saving Money with Busadda: As travelers continue to explore the world, Busadda remains dedicated to helping them save money and create unforgettable memories. With its extensive network of partners and commitment to customer satisfaction, Busadda is poised to revolutionize the way people travel.

C. Call to Action: Encourage readers to explore the savings opportunities offered by Busadda for their next trip. Emphasize the importance of planning ahead and taking advantage of discounts to make the most of their travel experiences.

[grand-diamonds]

Grand Diamonds Valentine Sale Steals - Unveiling 5 Show-Stopping Best Online Engagement Rings

Introduction:

Love is in the air, and what better way to express your eternal commitment than with a dazzling engagement ring? Grand Diamonds, a name synonymous with exquisite craftsmanship and timeless beauty, is here to make your Valentine's Day even more special with an exclusive Valentine Sale offering up to 25% off on their stunning collection of engagement rings. In this blog post, we'll explore five show-stopping online engagement rings that are sure to capture hearts and create everlasting memories.

Elegance Redefined: The Timeless Classic

For those who appreciate timeless elegance, Grand Diamonds presents a collection of engagement rings for women that redefine classic beauty. Crafted with precision and adorned with brilliant diamonds, these rings exude sophistication and grace. The Timeless Classic series showcases the perfect blend of traditional design and modern aesthetics, making it an ideal choice for those seeking a ring that stands the test of time.

Unique Brilliance: Beyond Ordinary Designs

If you're in search of something truly exceptional, Grand Diamonds offers a range of unique engagement rings that go beyond ordinary designs. Each piece in this collection is a masterpiece, featuring innovative settings and rare gemstones that elevate the ring to a whole new level of brilliance. Make a statement of individuality with a ring that reflects your unique love story.

Tailored Perfection: Custom Engagement Rings

Grand Diamonds understands that every love story is unique, and your engagement ring should be too. Enter the realm of tailored perfection with their custom engagement rings. From selecting the perfect diamond to choosing the ideal setting, you have the freedom to create a one-of-a-kind masterpiece that symbolizes your love in its purest form. Unleash your creativity and let Grand Diamonds bring your dream ring to life.

Convenience Meets Excellence: Online Engagement Rings

In a world where convenience is key, Grand Diamonds brings excellence to your fingertips with their online engagement rings. Explore their extensive collection from the comfort of your home, browse through detailed product descriptions, and marvel at high-resolution images that capture the essence of each ring. Where to buy an engagement ring becomes an easy decision when you experience the seamless process of selecting the perfect ring online.

Top Picks for Best Online Engagement Rings

a. The Radiant Halo Series: A Halo of Love

For a ring that radiates love and brilliance, the Radiant Halo series is a top pick. Featuring a stunning halo of diamonds surrounding a central gemstone, these rings create an ethereal aura. The meticulous craftsmanship and attention to detail make the Radiant Halo series one of the best online engagement rings available.

b. Sculpted Elegance: The Artisan Collection

The Artisan Collection is a testament to the skill and artistry of Grand Diamonds' master craftsmen. Each ring in this collection is a sculpted masterpiece, showcasing intricate details and a unique design. If you're in search of a ring that seamlessly combines elegance with artistic flair, the Artisan Collection is your go-to choice.

c. Modern Romance: The Sleek Solitaire Series

Simplicity meets sophistication in the Sleek Solitaire series. These rings feature a single, exquisite diamond set on a sleek band, creating a timeless and modern look. Ideal for those who appreciate understated beauty, the Sleek Solitaire series is a top contender among the best online engagement rings.

d. Vintage Charm: The Timeless Romance Collection

For lovers of vintage aesthetics, the Timeless Romance Collection is a treasure trove of romantic designs. These rings evoke the charm of bygone eras with intricate filigree, milgrain detailing, and vintage-inspired settings. Embrace the nostalgia of timeless romance with a ring from this captivating collection.

e. Bold Statements: The Glamour Series

If you're drawn to bold and glamorous designs, the Glamour Series is tailored for you. These rings feature larger-than-life diamonds, intricate settings, and a captivating presence that demands attention. Make a bold statement of love with a ring from the Glamour Series, a standout among the best online engagement rings.

Conclusion:

As you embark on the journey of finding the perfect engagement ring, Grand Diamonds' Valentine Sale offers an unparalleled opportunity to make a meaningful and cost-effective choice. Whether you opt for the timeless classic, unique brilliance, tailored perfection, or the convenience of online shopping, Grand Diamonds has the perfect ring to symbolize your love. Don't miss out on this chance to celebrate your unique love story with a show-stopping engagement ring that will be cherished for a lifetime. Visit Grand Diamonds online and make this Valentine's Day an unforgettable celebration of love and commitment.

[tanthetaa-software-studio]

From Code to Crypto: Exploring the Essentials of Blockchain Development

In the dynamic landscape of technology, few innovations have garnered as much attention and transformation as blockchain. From its humble beginnings as the underlying technology for Bitcoin to its current status as a disruptive force across industries, blockchain development has become synonymous with innovation, security, and decentralization. In this blog, we embark on a journey to unravel the essentials of blockchain development, from the intricacies of coding to the creation of revolutionary cryptocurrencies.

Understanding the Basics: What is Blockchain?

Before delving into the essentials of blockchain development, it's crucial to grasp the fundamental concept of blockchain itself. At its core, a blockchain is a decentralized and spread log that records trades across a grid of computers. Each transaction, or block, is linked to the previous one through cryptographic hashes, forming a secure and transparent chain.

Decentralization and Consensus Mechanisms

Decentralization is a cornerstone of blockchain technology. It removes the need for a central authority, fostering a trustless environment. Consensus mechanisms, such as Proof of Work (PoW) or Proof of Stake (PoS), ensure agreement among network participants on the validity of transactions, maintaining the integrity of the blockchain.

Smart Contracts

Smart contracts, self-executing contracts with the terms of the agreement directly written into code, add programmability to the blockchain. Ethereum, a prominent blockchain platform, popularized the use of smart contracts, enabling the creation of decentralized applications (DApps) and expanding the scope of blockchain functionality.

Essentials of Blockchain Development: From Code to Crypto

Coding the Blockchain: Programming Languages and Frameworks

Blockchain development begins with choosing the right programming language and framework. Solidity is widely used for smart contract development on Ethereum, while languages like Python, Java, and C++ find applications in building blockchain protocols. Frameworks such as Hyperledger and Truffle simplify the development process, providing tools and libraries for blockchain projects.

Node Setup and Blockchain Architecture

Running a node is essential for participating in a blockchain network. Developers need to set up nodes to validate transactions, maintain the blockchain's integrity, and contribute to the consensus process. Understanding the architecture of the blockchain network, including nodes, miners, and users, is crucial for effective development.

Consensus Algorithms: The Heart of Blockchain Security

Consensus algorithms determine how agreement is reached in a decentralized network. PoW, employed by Bitcoin, requires participants (miners) to solve complex mathematical problems, while PoS relies on participants holding a stake in the cryptocurrency. Each algorithm has its strengths and weaknesses, impacting security, scalability, and energy efficiency.

Creating Cryptocurrencies: A Developer's Odyssey

Tokenomics: Designing the Crypto Economy

The creation of a cryptocurrency involves careful consideration of tokenomics – the economic model governing the distribution and utility of tokens. Developers must define the total supply, distribution mechanisms, and use cases for the cryptocurrency to ensure a sustainable and functional ecosystem.

Initial Coin Offerings (ICOs) and Token Sales

To fund blockchain projects, developers often turn to ICOs or token sales. These fundraising methods involve selling a portion of the cryptocurrency's tokens to early investors. Smart contracts facilitate the automatic distribution of tokens to contributors, creating a transparent and decentralized fundraising process.

Wallet Development and Security Measures

Wallets are essential for users to store and manage their cryptocurrencies. Developers must focus on creating secure and user-friendly wallet applications, incorporating robust encryption, multi-signature authentication, and other security measures to protect users' assets from potential threats.

Challenges and Innovations in Blockchain Development

Scalability and Throughput

Blockchain networks face challenges related to scalability and throughput. As more users join a network, transaction speed and the ability to handle a growing number of transactions become crucial. Various solutions, such as layer-two scaling solutions and sharding, aim to address these challenges and enhance blockchain performance.

Interoperability and Cross-Chain Solutions

Interoperability between different blockchains is a pressing concern in the blockchain space. Developers are exploring solutions like cross-chain platforms and protocols to enable seamless communication and transfer of assets between disparate blockchain networks.

The Future Landscape: Emerging Trends in Blockchain Development

Decentralized Finance (DeFi) and Non-Fungible Tokens (NFTs)

DeFi and NFTs have gained immense popularity, showcasing the versatility of blockchain technology. DeFi projects leverage smart contracts to recreate traditional financial services in a decentralized manner, while NFTs tokenize digital assets, revolutionizing the art and entertainment industries.

Integration of Artificial Intelligence (AI) with New Internet Technology 

The integration of blockchain with AI and IoT is on the horizon, promising innovative solutions for data security, transparency, and automation. Blockchain's immutability and decentralized nature align well with the principles of AI and IoT, opening doors to novel applications in various sectors.

Choosing Tanthetaa for Blockchain Development: A Paradigm of Excellence

Tanthetaa stands out as a beacon in the realm of blockchain development, offering unparalleled expertise and a commitment to innovation that sets it apart from the competition.

1. Expertise and Experience:

With a seasoned team of blockchain developers, Tanthetaa boasts years of hands-on experience in crafting cutting-edge solutions. From decentralized applications (DApps) to smart contracts, Tanthetaa has demonstrated proficiency across diverse blockchain platforms.

2. Customized Solutions:

Tanthetaa understands that each project is unique. Their tailored approach ensures that blockchain solutions align seamlessly with clients' specific requirements, whether it's in finance, supply chain, healthcare, or beyond. The result is not just a product but a bespoke solution crafted for optimal performance.

3. Security at the Core:

Security is a non-negotiable aspect of blockchain development, and Tanthetaa places it at the core of every project. Rigorous testing, encryption protocols, and adherence to best practices ensure that the blockchain solutions developed by Tanthetaa are robust and resistant to vulnerabilities.

4. Innovation and Future-Forward Thinking:

In the ever-evolving landscape of blockchain technology, Tanthetaa stands as a vanguard of innovation. Keeping pace with the latest trends and advancements, Tanthetaa ensures that its clients are equipped with solutions that are not just current but also future-proof.

5. Transparent and Collaborative Approach:

Tanthetaa believes in fostering strong partnerships with clients. Their transparent and collaborative approach involves clients at every stage of development, ensuring that the final product not only meets expectations but exceeds them.

Conclusion: Navigating the Ever-Evolving Blockchain Development Landscape

From code to crypto, the journey of blockchain development is an exhilarating exploration of technology, economics, and decentralized possibilities. As the blockchain landscape continues to evolve, developers must stay agile, embracing innovations while addressing challenges. Whether creating the next groundbreaking cryptocurrency, implementing smart contracts, or contributing to the expansion of blockchain applications, developers play a pivotal role in shaping the future of this transformative technology.

[ogsstechnologies]

Build your MLM Platform by Decentralized Application with Smart Contract

For More Details Please Contact

Call / Whatsapp: +971 50 912 5616

Website:  https://OGSStechnologies.ae

Office 101, Juma Al Majid Technic Building,

Salah Al Din St., Deira,

Dubai - UAE.

Build your MLM Platform by Decentralized Application with Smart Contract

dApps (Decentralized applications) run on a peer-to-peer network of computers instead of a single computer. They are similar to a conventional web application in a way that its front end uses the same technology to represent the page. But the backend uses smart contracts to connect to the blockchain network instead of an API connecting to the database.

Advantages of DApps over Traditional apps

DApps are tamperproof and records stored in it are unalterable, protecting the application from hacking or intrusions. Decentralized apps are governed through autonomy and changes made in the applications are decided through consensus of all members in the network. Unlike traditional apps, decentralized applications i.e. dApps do not rely on a single server and therefore, it prevents the risk of central point of failure.

Our dApp Development Services

Leveraging the same product development experience that generated millions of revenue for clients from startups to Fortune 500s, we help clients experience the potential of blockchain technology. From smart contracts to decentralized exchanges and applications, our dApp Development Team can help businesses stay on the competitive edge in the decentralized applications world.

Leading MLM SOFTWARE DEVELOPMENT TEAM. We specialize in designing complicated referral rewarding calculation system so that you can do network marketing with ease. Our main products are:

Multi-level Marketing Software

Multi-Level Marketing software with a wide range of MLM Compensation Plans and various customizations to meet the different businesses of various clients. 

Referral Based Marketing Software

Unlock new referrals with referral based marketing software that helps you remove roadblocks that stop customers from referring you. 

Sales Commission Software

MLM Sales Commission Software is used to improve sales efficiency by centralizing and automating enterprise commission-based incentive plans.

Direct Sales Solutions

Automated Commission Payroll. Tiers, Bonuses, Reserves, Overrides, Data Fees and even Admin Fees.

Open source code.

Decentralised architecture presumes that application source code can be accessible by all network members. In a trustless environment, the user needs to be able to verify what kind of application he is running and what exactly it does (to prevent scam and malware, protect personal data and assets). The easiest way to do it is by providing the source code.

Decentralised consensus mechanism.

When the app is working in a decentralised environment, where all users have equal rights to change the data, there has to be a way for all network peers to agree on which data and transactions to trust. The solution to this problem is called a consensus mechanism.

Usage of internal currency.

There are many reasons for a dApp to use some form of currency: to support the development process, to fuel the underlying network and its consensus mechanism, to give the users a way to exchange value, and many others. It creates a healthy economic system around the app and helps the project grow.

Decentralised application platforms

A dApp is not the synonym of the blockchain, it all started with peer-to-peer networks. But the blockchain technology empowers dApps to create a sustainable economic system and offers state-of-the-art consensus mechanisms proven by many adopters. Let’s have an overview of the history of dApps and review the most popular platforms for dApp creation.

Peer-to-peer networks

The rise of the decentralised networks began with peer-to-peer content delivery and media sharing protocols like Gnutella, eDonkey and BitTorrent. These protocols helped users to download the content faster because they could connect to multiple peers and have many channels instead of one centralised storage server. Media sharing networks also helped to get licensed media content for free, and some consider it the main reason for the successful adoption and popularity of the technology.

MLM Software with Smart Contract and DAPP

To generate huge revenue within a short span of time, cryptocurrency MLM business is the right choice. This multi-level marketing act as an effective one due to its direct selling from the wholesaler to the end users. On the other side, it has much benefit but also has some acceptable facts that are facing to be drawbacks like fraudulent activities, cheating and theft or loss of products or currencies and many more.

To overcome this kind of activities, MLM platform development integrated either with smart contract or decentralized applications (DAPP) makes you stand out from the crowd by overcoming all the security issues.

Herewith, let us see in separate about the MLM platform with smart contract as well as Decentralized applications (Dapps).

Smart Contract based MLM Platform

As a known fact, let me define in short about, “what is smart contract?” before knowing about the MLM with smart contract and its benefits.

A smart contract is nothing but an independent accomplishment via contract mentioning the digital terms in the agreement made between the buyer and seller that is been coded with the help of a piece of code.

Smart contract permits the transactions in a trusted manner with an agreement in which the disparate, anonymous parties can transact without any access of a third party authority and any legalized or external enforcement.

Since it is fully encrypted and automated under a blockchain algorithm, MLM business with smart contracts provide complete trustworthiness, hacking-free with decentralization that assures in easy claiming of profit without any loss of money or products due to the automation of smart contract MLM system.

If MLM business powered by smart contracts, then there will be not at all any chance for the scamming MLM business owners towards the members. Likewise, smart contracts elevate all types of MLM business plans.

Benefits of MLM Platform by Smart Contract

Simple and Easy Transactions

Effortless Payment

Assured and Secured Data Safety

Highly Trusted International Transaction

Avert Malpractice

Multi-payment Options

No Extra or Additional Fees

Peer-to-Peer Systems

No External Party Access

Call us for more information +60-164998736

[g2realtor]

HOW TO UNDERSTAND THE VA APPRAISAL PROCESS or

WHAT CAN I DO TO CORRECT A PROBLEM WITH MY VA APPRAISAL?

HOW TO UNDERSTAND THE VA APPRAISAL PROCESS or

WHAT CAN I DO TO CORRECT A PROBLEM WITH MY VA APPRAISAL?

VA APPRAISAL PERSPECTIVE AND WHAT THE VA DID TO TRY TO IMPROVE THE APPRAISL PROCESS

As early as the late 1980s and early 1990s The VA was fielding extreme frustration from the real estate industry over VA appraisal values coming in short of the contract price.

By the late 1990’s a movement was underway, largely based on the West Coast, Oregon, Washington & California, by groups of Real Estate Agents and their organizations complaining that:

VA Appraiser were biased and intentionally set a goal of lowering values in a sale.

Not allowing real estate agents to provide input by submitting sales to be used as comparable.

Not willing to go more than a mile to use “better” comparable.

Requiring unnecessary and minor repairs.

Taking too much time to complete an assignment.

As a result, the agents believed they were being forced to either avoid VA Loans or go through the process of calling for a Reconsideration of Value (ROV).

This was having a significant negative impact, particularly in areas with heavy Military and Veteran Retirement areas.

Even on the east coast the appraisal problem was felt in a region known as “Tidewater Area” in Virginia.

In the early 2000’s, market values were moving in an upward direction, and in particular the markets in the west and northwest.  It was a time of quickly changing housing prices.  Homes did not stay on the market very long at all. In 2020 through late 2022 very similar conditions exist.

This back and forth between the REALTOR® community and the appraisers placed more pressure on appraisers to try to reach ‘contract value’ (which is now illegal) rather than true ‘market value’. Complaints from the prospective VA home loan users reached a frenzied level as they asserted that they could not buy the home of their dreams because of slow and low appraisals.

Due to the success of this test program in the Chesapeake Bay area of Virginia, VA made policy changes regarding fee and staff appraisers’ interaction with other program participants and in the reconsideration of value (ROV) process in December 2003, thus the birth of the Tidewater Initiative.

The TIDEWATER Solution

The, then head of the C&V (Construction & Valuation) of the Roanoke, Virginia, Regional Loan Center of the Department of Veterans Affairs, M. “Sandy” Stewart stepped in with an idea on how to either eliminate the problem or at least provide a method to attempt to do so.

A meeting was arranged between the VA Fee Panel Appraisers and any interested real estate professional agents, loan officers, and others who wanted to attend. It was held at the Central Library in the City of Virginia Beach in early 2000.

Out of that meeting a “Beta Test” was initiated that quickly became the “Tidewater Initiative”. This was spelled out in VA Circular 26-03-11 December 22, 2003, then updated in VA Circular 26-17-03 February 6, 2017, and VA Circular 26-17-18 dated July 19, 2017, and then updated again on March 11th, 2019, regarding the requirements, now known as the “Tidewater Process”.

In that process, a lender appoints a “POC” or Point of Contact on the VA Assignment form 26-1805 that lenders fill out when ordering a VA Appraisal from a VA Fee Panel Appraiser.

Circular 26-17-18 noted the POC could be whomever the lender decided would be the appropriate person, usually a person on the lenders staff such as a loan officer, or, a real estate agent involved in the transaction, heck if you had a real smart Cocker Spaniel as your assistant, she too could have been named as a POC as long as she can answer a phone and work the phones and computer.

However, on March 11th, 2019, the VA made changes to Chapter 10 of the Appraisal Process of the VA Lender Handbook. This is both good and a bit inconvenient.

The revised procedure now instructs the Lender’s VA Appraisal Requestor to be the appraiser’s first point of contact when it appears that the estimated market value will be below the sales price.

Once the appraiser determines that the appraised value may be lower than the sales price, the appraiser provides the lender’s ‘requestor’ who in turn notifies the POC of possible low value. The POC then has 2 business days to provide the appraiser with any data they wish the appraiser to consider prior to completion of the assignment.  

Although the preferred method of data compilation should be prepared on the VA Grid form, the appraiser should accept any response in any format during the 2-day period, not including weekends and holidays.  The appraiser then reviews the data, uses it or not, and provides a response to the POC.

That response should be in the appraisal report itself, in a format that is easily understood. If the appraiser uses a sale or other data provided by the POC, it must be acknowledged in the appraisal report. If not utilized by the appraiser, there should be sufficient commentary so that all parties can easily understand the appraiser’s reasoning for not using the data that was provided by the POC.

If completed correctly, the process should alleviate any need for a Request for Reconsideration of Value but does not necessarily preclude that possibility.

Adding such a process to all appraisals could provide a wealth of ‘Consumer Protection’ to the public. However even more useful would be a totally transparent method for consumers to engage the appraisal community when an appraisal is suspected of being faulty.

APPRAISING IN GENERAL

All appraisers reference the Marshall & Swift Cost Approach Solutions manual for guidance on many aspects of an appraisal and follow, or should follow, the guidance set forth in (USPAP) Uniform Standards of Professional Appraisal Practice.

That said, we need to remember that appraising is not a science, it is an art form.  The same property could be reviewed by multiple appraisers and each of them see the value of that property in the light of a slightly different valuation.  That does not make one appraiser any better or worse than another.  It simply means that they are all human with their own subjective appreciation of some aspects of how the subject property is weighed against the comparable sales. 

However, the objective facts remain the same for all appraisers. For example, the sold value of comparable properties is a fixed reality. The number of bedrooms, bathrooms and total rooms is a fixed reality. The square footage of the dwelling and the lot is a fixed reality and so on and so forth. Once the variable of model match (or as close as possible) has been met, and the preferred geographic boundaries have been met, some subjectivity will begin to seep into the appraiser’s value analysis.

So how does all this information prepare someone to understand the appraisal process?

For openers be very aware that is a Class 6 Felony to influence an appraiser. In Arizona this is covered in ARS 32-3633.  The Federal Statute 15 U.S. Code § 1639e - Appraisal Independence Requirements is the governing authority to prosecute such misbehavior is also very relevant. Even more important, these types of statutes are not endemic to specific states in as much as all states have their own overlays to the federal statute.

Additionally, the FNMA Anti-Coercion Appraisal Rules under Truth in Lending Regulations are also in play. That rule states that, “All consumer-purpose, closed-end loans secured by a consumer’s principal dwelling originated on or after October 1, 2009, are subject to new regulations prohibiting coercion or improper influencing of appraisers.”

Any appraisal of a property offered as security for repayment of the consumer credit transaction that is conducted in connection with the transaction in which a person with an interest in the underlying transaction is subject to these rules,

So what qualifies as “Influencing an Appraiser”?

Compensate with intent to subvert the law or Extort

compensates, coerces, extorts, colludes, instructs, induces, bribes, or intimidates a person, appraisal management company, firm, or other entity conducting or involved in an appraisal,

2. Collude with or Induce or Bribe      

or attempts, to compensate, coerce, extort, collude, instruct, induce, bribe, or intimidate such a person, for the purpose of causing the appraised value assigned, under the appraisal, to the property to be based on any factor other than the independent judgment of the appraiser.

3. Mischaracterize or Suborning any Mischaracterization

by mischaracterizing, or suborning any mischaracterization of, the appraised value of the property securing the extension of the credit; and who seeks to influence an appraiser or otherwise to encourage a targeted value in order to facilitate the making or pricing of the transaction

4. Intimidation

and withholding or threatening to withhold timely payment for an appraisal report or for appraisal services rendered when the appraisal report or services are provided for in accordance with the contract between the parties is in violation of 15 U.S. Code § 1639e / Influencing an Appraiser.

Penalties, if convicted of a Class 6 felonies could amount to serving a term of imprisonment of not less than one year nor more than five years, or in the discretion of the jury or the court trying the case without a jury, confinement in jail for not more than 12 months and a fine of not more than $2,500, either or both and these penalties are on the lighter side of possible adjudication. Fines topping $20,000, per convicted occurrence, are possible.

Now that may all sound pretty scary. However, any consumer, mortgage lender, mortgage broker, mortgage banker, real estate broker, appraisal management company, employee of an appraisal management company, or any other person with an interest in a real estate transaction are not prohibited from asking an appraiser to undertake 1 or more of the following:

Consider additional, appropriate property information, including the consideration of additional comparable properties to make or support an appraisal.

Provide further detail, substantiation, or explanation for the appraiser’s value conclusion.

Correct errors in the appraisal report, if you are completing a ROV.

A QUICK NOTE ABOUT ALLEGING GEOGRAPHIC COMPETENCY of an Appraiser

The appraiser is going to first try to find comparable properties, i.e., model matches etc., within the immediate subdivision. Whenever possible, the data set for comparables will be as close, in proximity to the subject property, as possible.  The appraiser will try to use sales that are no older than 90 days, then expand to 180 days, then out to 1 year. However, if the pace of the real estate market has accelerated such that homes are selling in days and the marketplace has exhibited that pace for a reasonably protracted time-period, it would not be unusual for an appraiser to shorten his/her closed sales comparable properties to well short of within the last 90 days. This is another example of the ‘subjectivity’ within the appraisal process.   An appraiser will usually then step out the geographic range, perhaps using major thoroughfares marking off a square or rectangle or a trapezoid.

There are few, if any, times when an appraiser will deviate or allow deviation to his/her data fields. So you are well served to not get into arguments with the appraiser over geography, unless you have evidence that the appraiser is ‘Geographically Incompetent

There are few times when a credible allegation of ‘Geographic Competency’ can be asserted.  Nevertheless, according to R162-2g-502a, Standards of Conduct and Practice. (Uniform Standards of Professional Appraisal Practice (USPAP) if there is credible evidence that the appraiser IS NOT competent in areas of but not limited to, an appraiser’s familiarity with a specific type of property or asset, a market, a geographic area, an intended use, specific laws and regulations, or an analytical method, the appraisal assignment may be challenged and brought to the lender’s attention.

R162-2g-502a.  Standards of Conduct and Practice. (Uniform Standards of Professional Appraisal Practice (USPAP) (4)(g) 

When geographic competency is discussed, what is really being referenced is the Competency Rule of USPAP which goes beyond just geographic competency. According to USPAP, an “appraiser must determine, prior to agreeing to perform an assignment, that he or she can perform the assignment competently.” How does USPAP define competency? Again, competency goes beyond geographic competency:

“Competency may apply to factors such as, but not limited to, an appraiser’s familiarity with a specific type of property or asset, a market, a geographic area, an intended use, specific laws and regulations, or an analytical method.”

It is therefore understandable why an average consumer of the appraisal process/product may be way over his/her head in trying to work through appraisal inconsistencies or incompetency. 

HOW DID WE GET WHERE WE ARE WITH THIS APPRAISAL CONUNDRUM?

In 2008 the attorney general of New York filed suit against Fannie Mae and Freddie Mac who at the time we're responsible for purchasing probably 60% of all loans originated in the United States. In short, the lawsuit alleged that lenders who sold their loans on the secondary market to Fannie Mae and Freddie Mac were getting too cozy with or had gotten too cozy with the appraisers who were appraising the properties they were financing.

A settlement was agreed to and from that came the HVCC (Home Value Code of Conduct). Under the new code mortgage brokers were prohibited from selecting appraisers; lenders or prohibited from using in-house staff appraisers to conduct the initial appraisals and lenders or prohibited from using appraisal management companies that they owned or controlled. By the beginning of 2019 the HVCC was in full force by not only Fannie Mae and Freddie Mac but also FHA.

By 2010 the Dodd Frank Wall Street Reform act had been passed. Consumer protections from misbehaving lenders and appraisers was built into the Dodd Frank act and were modeled quite tightly after HVCC. Once the Dodd Frank act went into full effect in October of 2015 HVCC was replaced by the rules and guidance issued by the Consumer Financial Protection Bureau (CFPB) which was formed in 2011 as the agency to enforce the rules set forth in the Dodd Frank Wall Street Reform act.

CFPB has published hundreds of informational guidance for the consumer on all aspects of credit lending from automobiles to insurance to home loans and credit cards. Unfortunately, and in my humble opinion, CFPB has not done a very good job at informing the public of these publications.

Many times, folks within an "ethnic enclave" or "cultural subgroup", perceive appraisal incompetence as terrorizing their home buying process.  The appraisal terror that some buyers, within an "ethnic enclave" or "cultural subgroup", have experienced along with thousands and perhaps 10s of thousands of both homeowners and home buyers is not a one off. These consumers have valid concerns about a seemingly inefficient appraisal challenge process are correct in as much as we need to change the system. Educating homeowners will truly give them more power to protect themselves from inaccurate and incompetent appraisal professionals.

A consumer’s perception that their appraisal was mismanaged, either intentionally, by incompetence, or by a biased appraiser would be extremely difficult to prove. There is no way that I can profess to understand what fears and concerns a person/s within a minority community might have, of being treated equally and fairly as a person of color. That said the description of some appraisal processes that some folks within an "ethnic enclave" or "cultural subgroup" have experienced matches much more closely to the need for change in the appraisal process with respect to consumer engagement rather than a preponderance of racial bias within the appraisal process.

As a licensed real estate agent, with over 30 years’ experience, and the National Legislative Committee Chair at the Veteran’s Association of Real Estate Professionals (VAREP) the topic of consumer advocacy in the real estate and appraisal arena of the real estate transaction, my team and I and other well-informed colleagues are working on legislation that will improve transparency in all aspects of the real estate transaction to include the appraisal process.

A recent law (Improving the VA Home Loan Benefit Act of 2022) was passed in December 2022 that affirmed to the Veterans Administration that improvements to the appraisal process and appraisal challenge process will be made to the VA appraisal process.

About The Author:

G2 Varrato II is an Arizona Licensed REALTOR® for over 30 years and Ret. U.S. Air Force, Red Horse VAREP National Legislative Committee Chair/Director NAR Federal Financing & Housing Policy Committee 12/2022 to 11/2023 AZ State Director VAREP 2016/2019 NAR Diversity Committee Veteran Advocate, REALTOR® 2018/2019 Lifetime Member River Rats Air Force Sergeants Association (VSO) Red Horse Association Air Force Association

Visit Lori & G2 at https://www.lukeairforcebasespecialist.com/ eMail at G2Realtor@GMail.com or C: 602-796-5674

[gobjr]

RC COLA PHILIPPINES - "CheckMoMataMo.mp4" Ad (2020)

The unsettling yet profoundly meaningful advertisement by RC Cola entitled "CheckMoMataMo.mp4" aired in December 2020, shows a band of four practicing and rehearsing when suddenly the group's lead vocalist stopped, expressing unhappiness and disconsolation in the middle of rehearsal, thus, causing confusion within the band. With this in mind, the advertising showcases the lead vocalist extending and rotating her arm, revealing the RC Cola inside her arm. At the same time, she describes how she differs from the other members of the group. However, a group member quickly assessed her feelings, removing their sunglasses and exposing their eyes as an ice dispenser. This demonstrates how the ice complements the commercial drink RC Cola. Hence, the advertisement's unpredictive nature references and emphasizes that regardless of the distinctiveness and differences you feel around people, someone will always make you feel at home and like you belong, complementing each other.

RC Cola Philippines was known for advertising bizarre ads with deep meaning; thus, the mentioned advertisement gained 7.2 Million views, with its central target audience being Gen Z or the post-millennial. As a result, this advertisement aimed to appeal to and distinguish the brand in the minds of Gen Z drinkers. Although the advertised product was a carbonated drink, also known as RC Cola was generally not healthy as it contains much sugar causing diabetes and weight gain, which may be viewed as promoting unhealthy living among the Gen Z audience. It is essential to mention, however, that RC Cola Philippines was recognized for pushing and advertising bizarre adverts with significant value in society, reflecting people's lives and minds, particularly Generation Z. Moreover, the advertised product does not contain forms of Media Manipulation; still, it was able to capture the attention of the viewers, mainly Gen Z, due to the absurdism and unpredictive nature of the ads, which then reflects Gen Z's laissez-fair attitude toward everyday decisions resulting to increased attention to the viewers and Gen Z.

In all, the commercial ad for the product RC Cola was a bit unsettling yet creative and meaningful, which was a total success and effective in terms of the target audience and increased sales. According to (Neil, 2021), sales of RC Cola Mega in the Philippines surged by 67% after its video campaign went viral online. Hence, within 24 hours after its debut on December 2020, the commercial received 130,000 shares and 203,000 responses, was the top-trending subject on Twitter for two days because of its bizarre and creepy subject matter with a profound deep meaning behind the actions, which appeals to the hearts and minds of the Gen Z in this generation.

References

Beer, J. (2020, December 15). This ad proves that commercials need to get weird again. Fast Company. https://www.fastcompany.com/90586284/this-ad-proves-that-commercials-need-to-get-weird-again

Diaz , A.-C. (2020, December 9). This is the weirdest ad we’ve seen all year. Ad Age. https://adage.com/creativity/work/rc-cola-basta-rc-cola/2300386

Neil. (2021, February 4). RC Cola sales soar after viral ad. BusinessWorld Online. https://www.bworldonline.com/corporate/2021/02/05/342938/rc-cola-sales-soar-after-viral-ad/

The strategy behind RC Cola’s basta campaign in the Philippines. (2021, July 20). Contagious. https://www.contagious.com/news-and-views/insight-and-strategy-behind-rc-cola-Filipino-advertising-campaign

[elevatetaxservices]

A Creative View on Trademark Registration for a Company

The Indian government made the GST tax or the Goods and Services Tax mandatory from 2017. The GST is a very important tax to be paid by businesses and the efficiency of paying GST increases the businesses efficiency. To rate how efficient businesses are in paying their GST dues, the Government of India has introduced the GST compliance rating. The GST compliance rating helps other businesses find out how a particular business is compliant in paying its GST dues and in turn find out the ease of doing business with that organization. This score will be calculated based on parameters such as timely filing of monthly and annual returns, furnishing details of input credits used, taxes paid, etc. Company Registration In Jaipur

GST Returns Filings

The GST returns are filed by using the www.gst.gov.in web portal. There are four types of GST returns like state government GST, central government GST, union territory GST, and Integrated GST. GST needs to be filed for the following purposes:

Sales Purchases Output GST on sales Input tax credit with GST paid on the purchase

GSTR 9-C Reconciliation Statement

GSTR 9-C is a necessary audit for every business or individual whose turnover exceeds more than 2 crores in revenue. The audit needs to be done by a Chattered Accountant or a cost accountant. Along with the GSTR 9C audit form, the taxpayer will also have to fill up the reconciliation statement along with the certification of an audit.

GSTR 2B Reconciliation

The GSTR 2B Reconciliation is an auto drafted Input Tax Credit statement that is generated on the 12th of every month. The GSTR 2B reconciliation is generated on a monthly basis and aims to simplify ITC claims for registered taxpayers.

TDS Returns

TDS was introduced by the government of India to collect tax from every source of income. As per this concept, a person who is liable to make payment of specified nature to any other person shall deduct tax at source and remit the same into the account of the Central Government.

Income Tax Returns The Income Tax Return or ITR is a form which contains the information regarding the person’s income and the taxes to be paid by the person during the financial year. The ITR must be filed every year and the minimum income slab to be eligible for ITR is rupees 2,50,000.

Company Annual Returns & Compliances

A Company Annual Return is a document that contains details of a company’s share capital, indebtedness, directors, shareholders, changes in dictatorships, corporate governance disclosures etc. A company must file its annual return within sixty days of its Annual General Meeting or the AGM.Compliance means following the provisions of law applicable to a person or an entity. Every entity or organization is governed by the law applicable and which it needs to follow to the spirit.

Audit and Assurance Working

Audit and Assurance workis the review of the financial systems of companies to assure that their records are accurate and honest, and to assess and identify where financial risks may exist.Audit and assurance workers are hired by companies to make sure that there is no irregularities in their financial dealings.

For More Info: Import Export License

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’serene' - Luxury apartments in tranquil setting in the heart of Gosford

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Access Exclusive Travel Savings

Unlocking Travel Discounts: Your Guide to Savings with Busadda

I. Introduction

A. The Travel Industry:

With the world becoming more accessible and interconnected, travel has become an integral part of our lives. From leisure trips to business travels, people are constantly on the move, seeking new experiences and opportunities.

B. Introduction to Busadda:

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II. Understanding Travel Discounts

A. Types of Travel Discounts Available:

Travel discounts come in various forms, including promotional codes, seasonal offers, group discounts, and loyalty programs. Understanding these options can significantly impact your travel budget.

B. Importance of Seeking Discounts in Travel Planning:

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With rising travel costs, seeking discounts is essential for budget-conscious travelers. By strategically leveraging discounts, travelers can stretch their budgets further and indulge in more experiences.

C. Advantages of Using Platforms like Busadda for Discounts:

Busadda offers a centralized platform where travelers can access a wide range of discounts and offers from various travel partners. This convenience streamlines the booking process and ensures maximum savings.

III. Exploring Busadda

A. Introduction to Busadda:

B. How BusAdda Works for Travelers:

Busadda simplifies the booking process by offering a seamless experience from browsing to payment. Its intuitive interface allows travelers to compare prices, select preferred routes, and secure bookings effortlessly.

C. Overview of Discounts and Offers Available on Busadda:

IV. Leveraging Travel Discounts on Busadda

A. Tips for Maximizing Savings on Busadda:

To make the most of Busadda’s discounts, travelers should keep an eye out for flash sales, bundle deals, and last-minute offers. Planning ahead and being flexible with travel dates can also lead to significant savings.

B. Understanding the Terms and Conditions of Discounts:

Before availing of any discount, it’s essential to carefully read and understand the terms and conditions. Pay attention to any restrictions or limitations to ensure a smooth booking experience.

C. Utilizing Loyalty Programs and Rewards:

V. Case Studies: Real-Life Examples of Savings

A. Stories of Travelers Who Saved Using Busadda Discounts:

Hear from real travelers who have benefited from Busadda’s discounts and offers. Their experiences serve as inspiration for others looking to save on their next trip.

B. Testimonials and Reviews Highlighting the Effectiveness of Busadda:

VI. Additional Resources

A. Links to Further Information on Travel Discounts:

Provide links to relevant articles, guides, and resources that offer additional insights into travel discounts and savings strategies.

B. Recommendations for Other Discount Platforms and Tools:

While Busadda is an excellent option for travel discounts, there are other platforms and tools worth exploring. Share recommendations for alternative platforms that cater to different travel preferences and needs.

VII. Conclusion

A. Recap of the Benefits of Travel Discounts: Travel discounts not only save money but also enable travelers to experience more during their journeys. Busadda’s commitment to providing affordable travel options makes it a valuable asset for budget-conscious travelers.

B. Final Thoughts on Saving Money with Busadda: As travelers continue to explore the world, Busadda remains dedicated to helping them save money and create unforgettable memories. With its extensive network of partners and commitment to customer satisfaction, Busadda is poised to revolutionize the way people travel.

C. Call to Action: Encourage readers to explore the savings opportunities offered by Busadda for their next trip. Emphasize the importance of planning ahead and taking advantage of discounts to make the most of their travel experiences.