#credit guidance

[protoslacker]

The challenges we face are not insurmountable. We already know what needs to be done, the problem is that we do not have control over our own productive capacities and, as a result, they are woefully misallocated.  This approach – credit/investment guidance and public finance – democratizes the power of money and therefore democratizes power over our collective productive capacities. It would enable us to radically accelerate improvements in people’s everyday lives and social outcomes, and radically accelerate progress toward decarbonization and ecological sustainbility.

Jason Hickel at his blog. Credit guidance: how we achieve degrowth

[front-facing-pokemon]

[unproduciblesmackdown]

another appearance by asia kate dillon as LOS via the 7th moon girl's lab short, "coding" =']

[liliavalley]

not me just now realizing Color Show literally has sun wukong in it

[snobgoblin]

When your mom says you're "well behaved" for being autistic she's not bragging about you being autistic.

She's bragging that you're still normal and can pass in society, which begs the question, what if your autism made it to where you had to have a schedule or a set habit and if you didn't follow it you broke down? Basically what if you were not their "normal".

They're basically showcasing their "parenting" that you turned out "normal" :/

x oh this is from a while ago sorry I didn't see this

bruh 💀 you're probably right lmfao it probably is a parenting flex

[retrokid616]

post credit post

the bells looking for more fish like

see y'all next week.

[yourthirdparent]

god forbid i ever get my grimy hands on him

[spottedside]

i got my schedule for the new school year <3

[paisainvests-1]

Best Credit Card Advisor in Gurugram

When it comes to navigating the labyrinth of Credit Card Advisor, having a trusted advisor can make all the difference. Enter Paisainvests – a beacon of clarity in the often murky world of financial advice. If you’re in Gurugram and looking for expert guidance on choosing the right credit card, you’ve likely come across Paisainvests. But what makes them stand out? Let’s dive into why Paisainvests might just be your best bet for credit card advice in Gurugram.

Why Choose Paisainvests as a Credit Card Advisor?

Reputation and Credibility

Paisainvests isn’t just another financial advisory service; it’s a name that commands respect in Gurugram. With a track record of providing reliable and accurate financial advice, they’ve built a solid reputation. Their credibility is backed by countless positive reviews from satisfied clients, making them a go-to choice for many.

Expertise in Financial Advisory

One of the major reasons to consider Paisainvests is their deep expertise in the field. Their advisors are well-versed in various financial products, particularly credit cards. This expertise ensures that you receive advice that’s both informed and relevant to your specific needs.

How Does Paisainvests Advise You about Credit Cards?

Personalised Recommendations

Gone are the days of one-size-fits-all advice. Paisainvests offers personalised recommendations tailored to your financial situation. They take the time to understand your spending habits, financial goals, and credit history to provide suggestions that truly fit your needs.

Comparative Analysis

At the heart of Paisainvests’ advisory service is their comparative analysis. They don’t just offer a single recommendation; instead, they compare different credit card options to help you make an informed choice. This involves looking at various factors such as rewards, fees, and interest rates.

Tailored Advice Based on Needs

Whether you’re a frequent traveller looking for travel rewards or a cashback enthusiast, Paisainvests has you covered. Their advisors provide tailored advice based on what you’re looking to get out of your credit card, ensuring you find the best match.

In-depth Market Research

Paisainvests prides itself on thorough market research. Their advisors keep up with the latest trends and changes in the credit card industry, which means you get the most current and relevant information. This helps in making decisions that align with today’s financial landscape.

What Features Does Paisainvests Offer?

User-Friendly Interface

Navigating financial advice shouldn’t be a hassle. Paisainvests offers a user-friendly interface that makes accessing information and advice straightforward. Their website is designed to be intuitive, so even if you’re not a financial whiz, you can find what you need without frustration.

Comprehensive Credit Card Comparisons

When it comes to comparing credit cards, Paisainvests goes above and beyond. They provide detailed comparisons that include all the essential aspects you need to consider. This includes rewards programs, annual fees, interest rates, and more.

Detailed Reviews and Ratings

To help you make a well-rounded decision, Paisainvests includes detailed reviews and ratings for various credit cards. This user-generated feedback can give you a clearer picture of what to expect from each card.

Real-Time Updates

Financial products are constantly evolving, and Paisainvests keeps you updated with real-time changes. Whether it’s new offers, changes in interest rates, or updates on rewards programs, you’ll be in the loop.

What More is Available on Paisainvests?

Additional Financial Tools

Paisainvests doesn’t stop at credit card advice. They offer a range of additional financial tools that can assist with broader financial planning. These tools can help you manage your finances more effectively and make better financial decisions.

Educational Resources

Knowledge is power, and Paisainvests provides a wealth of educational resources. Their website includes guides, articles, and interactive tools that help you understand various financial concepts.

Guides and Articles

The guides and articles on Paisainvests’ website are designed to educate you on different aspects of financial management. Whether you’re looking for tips on budgeting or advice on credit scores, their content is both informative and easy to understand.

Interactive Tools

Paisainvests also features interactive tools that make financial planning more engaging. These tools can help you calculate potential rewards, compare credit card benefits, and more.

What Knowledge Does Paisainvests Cover on Its Website?

In-Depth Credit Card Information

Paisainvests’ website is a treasure trove of information on credit cards. From understanding the different types of cards available to learn about their features, you’ll find comprehensive details that can aid in making an informed choice.

Financial Planning Tips

Beyond credit cards, Paisainvests covers broader financial planning tips. These tips include advice on saving, investing, and managing your budget, providing a holistic approach to financial health.

Budgeting and Saving Strategies

Effective budgeting and saving are crucial for financial stability. Paisainvests offers strategies and tips to help you manage your money better, ensuring you stay on top of your financial goals.

Understanding Credit Scores

A solid understanding of credit scores is essential for managing your financial health. Paisainvests provides insights into how credit scores work, how to improve them, and why they matter.

Conclusion

In the competitive world of Credit Card Advisor, Paisainvests stands out as a top choice in Gurugram. With their personalised recommendations, comprehensive comparisons, and additional financial tools, they offer a well-rounded service that caters to diverse needs. Whether you’re looking for the perfect credit card or seeking broader financial advice, Paisainvests provides the expertise and resources to guide you.

By Paisainvests.com

[baelavelaryon]

one thing about me is that i will download a psd template and then change absolutely everything about it

[alexander-clifford]

Breaking down HMRC's guidelines for compliance for a successful R&D claim

R&D legislation is always evolving to prevent fraud and to ensure that the incentive covers all types of costs for innovative businesses carrying out research and development. HMRC has developed an informative resource known as the Guidelines for Compliance (GfC3) to make a successful R&D claim. The purpose of the guidance is to help you avoid common mistakes in claiming R&D tax credits to increase the chances of a successful application. In this article, we will outline the key R&D tax relief guidance to function as your handy guide, helping you to provide HMRC with what they are looking for in your claim, as well as filling in the blanks where confusion sits.

What are HMRC’s latest guidelines for compliance for R&D?

HMRC’s guidelines for compliance were first published in 2021 and have been evolving since then. We see this guidance as an essential resource for R&D claimants. Over the last few years, HMRC has increased their vigilance over fraud and errors in R&D claims, even employing extra inspectors to monitor the compliance levels of R&D tax credit claims. They write in part one: “We want to help you make a correct R&D claim, avoiding the penalty we charge if carelessness leads to an inaccurately high claim.” The guidance they've offered aids in reducing the likelihood of an inquiry which is made up of 6 parts that cover:

Part 1: Purpose, scope and background

This details what to expect from the following parts. The guidance summarises best practices for claiming R&D tax credits and provides key information on: 

Understanding what HMRC expects of you as the role of the claimant. 

How to identify who is a ‘competent professional’ in the eyes of HMRC.

Knowing if your work qualifies as R&D. 

Pinpointing what they mean by ‘scientific or technological advancement’ as this is a central component of the R&D eligibility criteria. 

Detailing the scientific or technological advancement of your project and knowing how it counts as an advancement.

The importance of identifying exactly when your R&D project began and finished. This requires an understanding of what counts as R&D.

Knowing what evidence and documentation is required for your R&D claim.

Part 2: Expectations of claimants

This part of the guidance is all about what you need to do before you make the R&D claim. HMRC provides 13 steps that you need to take. Examples include that the competent professional should be responsible for: 

Identifying the R&D projects you're claiming for (they must have the aim to create an advance past existing knowledge and your competitors’ capabilities). 

Outlining the beginning of each uncertainty and at which point it was solved. If it wasn’t solved in the year you’re claiming, make that clear. 

Describing what the plan was to tackle the uncertainty. 

Validating if the R&D costs align with the eligibility criteria.

Part 3: Importance of a competent professional

A common error that arises in R&D claims is the incorrect identification of the competent professional. You’ll need to consult with this individual for your claim to gain their insights regarding the R&D projects. A competent professional is someone with relevant experience or qualifications in the specific field of the R&D project you're engaged in. Perhaps they have industry awards, a degree, continuous professional development in the field, or a relevant publication in the field, as examples, and this would make them a competent professional. Having a competent professional involved in your R&D claim serves the purpose of utilising their expertise to identify uncertainty and technological advancement.

Part 4: How to identify qualifying R&D activities

When we discuss an R&D project, what we mean is a series of R&D activities and HMRC provides extensive information on what counts as eligible R&D activities in part 4. Each of these activities works together collectively to reach a goal. A project is a necessity - a common error that keeps arising is when a business has advanced in science and technology, but if it has not been as part of a project then it can’t count for R&D tax credits. If the project just had purely commercial aims as opposed to actually resolving technical or scientific uncertainties, then it doesn’t qualify. It can’t use readily available information either. 

Read about the examples of R&D projects. In simple terms, an R&D project may seek an advancement by creating or improving a: 

Process

Material

Device

Product

Service

Part 5: The recommended approach to R&D claims and record keeping

A lot of documentation goes into each R&D claim and this involves extensive record keeping. The main point HMRC iterates is that if you believe the work you’re doing is eligible R&D then you should plan for your R&D claim by writing as you go along. We recommend you journal your activities, including the failures, because it will strengthen your technical narrative being able to see exactly how you made the technical advancement and the key dates involved. Keep all receipts and invoices to help you create a claim with financial accuracy. 

Of course, it is common that you may identify eligible R&D activities after the project has been completed. We often find this with our clients because we reach out to them to check if their innovative project qualifies. This can often make the documentation difficult because you have to cast your mind back to the little details of the project. A competent professional or R&D tax credit specialist such as ourselves can help you determine eligibility when looking back.

More records will be needed if HMRC decides to open a compliance check into your claim. Essentially, they’ll need to see some evidence. This could look like: 

Seeing requesting documents 

Visiting your site 

Examining the completed products or prototypes 

Speaking to your team

Part 6: Further information

In this part of the R&D tax relief guidance, HMRC details what to do if you have made an error in an earlier R&D claim as well as other key pieces of information and key contact details. 

How should you use this guidance?

These guidelines for compliance from HMRC are incredibly helpful for all R&D claimants; however, without an in-depth understanding of R&D legislation, there is still scope for error which needs to be avoided in light of HMRC’s crackdown on non-compliance. In other words, it is not a substitute. Professional R&D advice is always recommended to accompany this guidance for your claim.

What are the latest changes to R&D tax credit relief in 2024?

This guidance was almost overshadowed by the changes to R&D tax credits that were announced in the Autumn Statement 2023 and will commence after the 1st of April 2024. Here’s a recap of what they are:

There are no longer separate R&D tax credit schemes based on the size of your company and expenditure. The 2 schemes have merged into one with the same rate of 20%, seen as an above-the-line benefit. 

The rate for loss-making companies is 25%. 

The R&D expenditure threshold has been reduced to 30%.

There is a one-year grace period if you don’t meet the 30% intensity threshold. 

Payments will no longer be sent to third parties.

There is still a requirement to notify HMRC if you are claiming for the first time and to fill out an R&D additional information form.

Key takeaways

The recently issued R&D tax relief guidance by HMRC is an information-dense resource that serves as a helping hand for R&D claimants. It focuses on the importance of properly preparing your claim with a correctly chosen competent professional and knowing about what qualifies as an R&D activity. Understanding this guidance enables you to provide HMRC with the exact information they need, speeding up the process of receiving your tax benefits directly and reducing the chance of undergoing a time-consuming (and sometimes costly) compliance check.

How can Alexander Clifford help you? 

As R&D tax credit specialists with a long track record of successful R&D claims, our experts understand the intricacies of R&D legislation and use HMRC’s R&D tax relief guidance in our processes for each R&D claim. Whether you’re ready to start your claim or you want to check if you’re eligible, our team is here to help. Get in touch with our team of sector specialists. 

[helpful-writing-tips]

if you write a strong character, let them fail.

if you write a selfless hero, let them get mad at people.

if you write a cold-hearted villain, make them cry.

if you write a brokenhearted victim, let them smile again.

if you write a bold leader, make them seek guidance.

if you write a confident genius, make them be wrong, or get stumped once in a while.

if you write a fighter or a warrior, let them lose a battle, but let them win the war.

if you write a character who loses everything, let them find something.

if you write a reluctant hero, give them a reason to fight.

credit:@aj-eddy

[acid-ixx]

Okay, how about we call Alfred dad??? Sense he raised us and practically is our dad. Sorry I keep on asking. I just am a thinker

series masterlist

a/n: don't be sorry for asking ! i like answering asks even if i do answer really slowly, so don't be afraid to send in questions ! this is a continuation to this ask.

it would actually be a given that if the reader wasn't too broken to the point that they genuinely could never consider anyone as a father figure, then alfred would be someone they would call their dad.

because at least in their 15 years they had been inside the manor, alfred would always be the one who would stand by their side. even if it's not always, he would be there for you when he could. and that effort alone is enough to consider him worthy as your father.

pre-yandere bruce wouldn't even know of your tight-knit relationship with alfred; calling him dad when you skip through the halls with him, calling him your "actual father" whenever you two would bake together, and even going as far as gifting him a mug with 'no. 1 dad!' painted sloppily into the ceramic. alfred would even teach you how to crochet, so you two would get matching sweaters for winter. although alfred wouldn't wear the sweater for the sake of formality, you would always be aware that he stores them somewhere safe and warm as some sort of treasure.

so, imagine just how heartbroken bruce would be once you are abducted by your family, calling out to your dad in your drugged state on your bed, bruce thinking that it was him that you're calling for help when all of a sudden, you make grabby-hands towards alfred, eyes hazily looking at the butler with such desperation that it feels like alfred is your actual father.

seeing you two act so close, bruce would be so, so conflicted. because at least, in the years of solitude you had spent, you find comfort in the very same man bruce considers as his father figure. but at the same time it should've been him that you call your father, it should've been bruce you look at for help and guidance, it should've been him that lulls you back to sleep, wiping the tears that run down your face.

it breaks his heart even further once he discovers all the little trinkets that you make for alfred, all the inside jokes you two share, the gifts you cherish in your cabinets from the apartment you used to live in; they were all from alfred— bruce wants to kick himself realizing that he never made an effort to gift you anything in your 15 years of living in the manor as a ghost.

bruce swears on his life that he'll make it up to you, that despite him being unable to stay the night frequently with you that he'll make it up during the day. he'll take you to business meetings, to arcades, to malls; literally anywhere to get you to bond with him as much as you did alfred.

he'll schedule holidays where the entire family is required to join and you'll be the center of attention. your birthdays will be extravagant, he would spend millions to make a show that you're his favorite child; that means he'll spoil you with gifts that pertain to your hobbies. and because your family loves you so much, please do expect a minimum of 10 gifts prepared by all your siblings and a credit card with no limit for bruce.

oh? you don't need material things? don't worry, you'll be surprised with just how meticulously your father would plan for vacations. any place you would choose would be taken into heavy consideration, even planning with him would feel like some sort of father-child bonding.

but really, he'll commit all his time and effort for you.

bruce would do everything to make you consider him as your dad.

[capricorn-0mnikorn]

I have ~Thoughts~ on the Harry Potter Phenomenon that was

(Courtesy of memories prompted by this Tumblr Poll)

Back when I was a senior in college (back in the mid-to-late 1980s), I actually wrote a fantasy novel for kids aged ~8 - ~11 (in a self-designed course for a single credit, under the guidance of my Literature advisor), inspired by a series of dreams and recurring characters that showed up in them.

My advisor encouraged me to try and get it published. And so, I arranged with teachers from my old school to have a class of 30 or so 10 year-olds beta read it, and give me feedback for revisions. The kids also encouraged me to try and publish it.

So I did.

Now, back then, there was no "Self Publishing." The closest thing was "Vanity Publishing," where you would pay 100% of the publishing cost of your book, which would be printed in hard copy, for the benefit of having 500 -1,000 books shipped to your personal address, which you were then responsible for storing and selling out of the trunk of your car in a parking lot, somewhere. And if word got out that you were trying to claim credit for being a "published author" because of a Vanity Press book, actual publishers wouldn't touch you with a 40-foot pole.

If you wanted to get published, you had to buy that year's copy of Writer's Market: a listing of magazine and book publishers, and agents, with a brief description of what material they published, and what they wouldn't touch.

Guess what genre no agent or publisher was interested in handling?

That's right, Gentle Readers: Fantasy for children aged 8 - 11. I would have happily sent out a dozen queries for each story I wrote, if there were publishers and agents willing to look at them. But for three to four years of trying, in directories of two-columns of tiny print, and several [hundred]* pages long, I'd be lucky to find two or three outlets even willing to look at fantasy for kids.

The general consensus, across the publishing business, was that fantasy was a dead and obsolete genre. If it was for kids old enough to read chapter books and novels, it must also be firmly grounded in realism and actual history, because everyone knows the only people buying books for kids that age were teachers, who wanted stories with practical applications in the classroom.

***

After 3 - 4 years of trying, while I was in grad school, I finally got a rejection from the one agent who agreed to read my novel. A few days later, I received news that my mother had died from the breast cancer she'd been fighting, and my heart just went out of the project altogether.

A few years later, the first Harry Potter book was published. And it became a worldwide phenomenon. And it was the kids, themselves, who were driving the sales.

See, I think the real reason the books were such a success, even though they were never really very well written, was because they were in a genre the audience was hungry for -- a genre they'd been denied access to for all of their young lives.

Someone who is starving will think even moldy bread is delicious.

*Gosh, what a word to leave out via typo; the Writers Market rivaled the Manhattan Yellow Pages in length.