#what is S Corp and its benefits in the USA?

[karudar]

what is S Corp and its benefits in the USA?

what is S Corp and its benefits in the USA? The S corporation or S corp is the business system that is allowed under the tax code to give its taxable income, payments, deductions, and losses directly to its shareholders. This makes it specific advantages at the more general C corporation, the S corporation is available but to smaller businesses with 100 or fewer shareholders and is an option to…

[mint-moon25]

AI Overview

Amazon acquired Whole Foods Market on August 28, 2017 for $13.7 billion. The deal was announced on August 24, 2017. 

The acquisition marked Amazon's entry into the physical grocery market. Amazon has since made changes to its logistics, including:

Off the shelf (OTS): Software that allows for quicker item transitions

Daymon: A retail strategy firm that handles inventory and in-store displays

Prime Now: Amazon's delivery service that offers two-hour delivery for orders of $35 or more  

Whole Foods was facing financial trouble before the acquisition, with same-store sales declining 1.5% in 2017. The grocery chain was also behind its competitors in technology and loyalty program development. 

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IN - THE - WORLD

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[ebizfilingindia-blog]

Tax Benefit of C corporation in the USA

Introduction

A C corporation is a legal entity that separates the company from its owners and shareholders, providing limited personal liability. The Internal Revenue Service (IRS) requires C corporations to file a corporate income tax return, which differs from an S corporation that is not subject to separate tax filings. C corporations offer greater tax advantages because of an expanded ability to deduct employee benefits, which are most often used by growing small businesses.

What is a C corporation?

A C corporation, also known as a C-corp, is a type of legal structure for a corporation in which the owners or shareholders are taxed separately from the entity. They are subject to corporate income taxation, and profits earned by the company are taxed at both the corporate and personal levels, resulting in double taxation. They are required to pay both federal and state taxes, unlike other business structures such as S corporations or Limited Liability Companies (LLCs).

While alternative arrangements only require shareholders to pay taxes on any profits they receive, they may be subject to double taxation because profits must be paid by both the firm and the owners. However, C corporations offer limited liability protection to investors and firm owners, meaning that the most they can lose in the business’s failure is the amount they have invested in it. They are also mandated to hold annual meetings and have a board of directors that is voted on by shareholders.

Tax Benefits of C corporation in the USA

Reduce the overall tax burden

The 2018 tax reform bill significantly benefited C corporations. The new corporate tax rate of 21% may result in considerable tax savings for C corporations that do not frequently distribute money to owners in the form of dividends. If business owners are merely taking a salary, that sum is not taxed at the corporate rate, further favoring the tax situation for C corporation.

2. Flexibility in Paying Taxes

C corporations have more flexibility in choosing their financial year compared to LLCs and S corporations, which must match their financial year with the calendar year. This flexibility allows C corporations to choose when to absorb losses and when to pay taxes on bonuses, which can significantly lower tax payments. Shareholders can shift money more easily, which can help them avoid double taxation.

3. Losses can be carried forward

When a business incurs losses, it can carry forward those losses to future years to offset profits and reduce tax payments. This is particularly important for new businesses that may suffer significant losses in their first year but want to roll those losses over to succeeding years. To carry forward a tax loss, a company needs to report the loss in its tax return, and the tax authority will let the company know the amount that can be carried forward to the next tax year.

4. Giving Donations to charities

A C corporation is the only type of corporate organization that can deduct contributions to qualifying charities as a business expense. The limit for contributions to eligible charities is 10% of taxable revenue in any given year. If contributions exceed that amount, they can be carried over for the next five tax years. This can help C-corporations save on taxes.

5. Accumulate money at a reduced tax rate for expansion

C corporations are less expensive than pass-through entities and allow shareholders to easily transfer income while keeping earnings within the business for future growth. On the other hand, S corporation profits are shown on shareholders’ tax returns whether or not they have received a payout, which may result in owners who invest profits back into the business finding themselves in higher tax brackets.

The key steps involved in company registration in the USA are picking a business name, submitting the required paperwork to the Secretary of State, obtaining an employer identification number (EIN), and filing taxes. These procedures typically involve choosing a business structure, obtaining required licenses and permits, registering with the appropriate state authorities, and adhering to federal and state regulations.

Summary

C Corporations (C Corps) offer several advantages, including greater ownership flexibility and unique tax benefits. Despite the double taxation, C Corps can actually help small business owners lower their overall tax burden, which can aid in business expansion and increase revenue. Double taxation of corporate income increases the cost of investment for corporations and encourages a shift from the traditional C corporate form

[ebizfiling01]

How to start a game development company in USA?

Step by Step process on “How to Start a Game Development company in USA?”

Introduction

Game development companies create digital, interactive entertainment products that can be played on a variety of platforms, including personal computers, cellular phones, and video game consoles like Sony’s PlayStation. Since its inception in the late twentieth century, the video game industry has been in a constant state of evolution, ensuring that there is always room for new and innovative players in the high-demand gaming space. So here is the article that will help you with the information on “How to start a game development company in the USA?” At the same time it is important to understand the role of a Game developer in a company, so let’s first take a look at the Game developer of a company and after that move on to the process.

Want to do company registration in USA from India? Register a C-Corporation or LLC in the USA. Register any kind of company in the USA from India with Ebizfiling.

Role of a Game Developer in a Company

A Game Developer conceptualises a game idea and collaborates with teams to make it a reality. Making a story, laying out the plans, and creating a model are all part of the work that goes into creating a game. At this point, different teams pick up their tasks. Designers create the layout, character, and accessories for the game’s look and feel. The story is then automated by software developers. Developers in this industry will create a world for others to play in so that they can escape into the world of developers’ creativity. A Game Developer can be anyone, an expert or a specialist with creative skills.

Types of Gaming options for starting  a Game Development Company

Game for mobile devices

Arcade game

Online games

Handheld games

Console games

Game for PC (Personal Computer)

A process on “How to start a game development company in the USA?”

Plan your business: A well-thought-out plan is essential for entrepreneur success. It will help you map out the specifics of your company and uncover some unknowns. Consider the following important topics:

What are the initial and ongoing expenses?

Who is your intended audience?

How much money can you charge your customers?

What will you call your company?

Along with this, it is critical to select a unique business name when forming a business in the USA, as this will help you stand out from your competitors.

Register your business: Before you can start a business, you must first register for several state and federal taxes. To register for taxes, you must obtain an EIN. Depending on the business structure you choose, you may have different taxation options for your company. Some limited liability companies, for example, may benefit from being taxed as S corporations (S corp). Your company may be subject to state taxes. You can learn more about state sales taxes and franchise taxes in our state sales tax guides.

Apply for an EIN (Employer Identification Number): An Employer Identification Number (EIN), also known as a Federal Tax ID Number, is a number that identifies your company for tax filing and reporting purposes. Businesses with employees, as well as those organised as a corporation or partnership, must obtain an EIN. Most banks will require a business to have an EIN before opening a business bank account for forming a business.

Open a bank account: As an accounting professional, you are already aware of the importance of keeping personal and business finances separate for legal and tax purposes. Separation of personal and business financial assets is required for LLCs and corporations to maintain the “corporate veil,” which protects business owners from the liabilities of the business. After registering with the state and obtaining an EIN, a business should have all of the information needed to open a business bank account and credit accounts.

Final Thoughts

Unless your company was founded on a game concept, conduct extensive research while conceptualising your first product. Conduct informal focus groups to learn what gamers want in new releases, and read industry insider publications to learn about the types of games that are in the works for future releases. Before starting a game development company ensure that all the paperwork is done and the product is tested in the market for better returns.

[mishaxdleggfn96insurance-blog]

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[ethicsustinvest]

PODCAST: Top US ESG Companies, Solar Power Breakthrough, Investing Tip

Top 100 US ESG companies for 2019 by CR Magazine. Profitably invest in harmony with your spiritual or religious ideals. Solar power breakthrough—but investing in solar has its perils. A valuable investing tip that really works. Confused who’s best, Uber or Lyft? An analyst compares them. Vanguard launches actively managed ESD ETF. And more.

PODCAST: Top US ESG Companies, Solar Power Breakthrough, Investing Tip

Transcript & Links May 26, 2019

Hello, Ron Robins here. Welcome to my podcast Ethical & Sustainable Investing News to Profit By! for May 26, 2019. Presented by Investing for the Soul. investingforthesoul.com is your site for vital global ethical and sustainable investment resources.

Now to this podcast. And for any terms that are unfamiliar to you, simply Google them!

Also, you can find a full transcript, live links and often bonus material at my podcast page located at investingforthesoul.com/podcasts

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The first item to discuss is CR Magazine's 100 Best Corporate Citizens of 2019! CR Magazine reviewed 1,000 US companies for their ESG practices. Robbie Lock, a writer for 3BL Association, commenting on the research results wrote that “Owens Corning tops the ranking, followed by Intel, General Mills, Campbell Soup and HP Inc… Twenty-seven companies are new to the ranking in 2019 including Allstate, Delta Airlines and Mondelez International. Biggest gainers include Ball Corp., CBRE, Ford and Xylem, Inc.”

Mr. Lock provides further clarification as to how CR Magazine obtains the rankings. Quoting him again, he says, ”The 100 Best Corporate Citizens ranking uses 134 total corporate disclosure and performance factors in seven categories: climate change, employee relations, environment, finance, governance, human rights, and stakeholders and society.”

Also, that the, “There is no fee for companies to be assessed. To compile this ranking, information is obtained from publicly available resources only, rather than questionnaires or company submissions. Companies have the option to verify data collected for the ranking at no cost.” Close quote.

I like the idea that companies don’t pay to be included in the research and the data compiled is from publicly available sources.

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The 100 Best Corporate Citizens demonstrate various degrees of above average corporate ethics, and ethics is a central theme for those wanting to apply their spiritual or religious beliefs to investing. If you’re interested in applying spiritual or religious values to investing, Meredith Jones just published in MarketWatch a post that could be of interest to you. It’s titled, “Opinion: When your faith guides your investing decisions, can you still beat the stock market?” And she says the answer can be yes.

Ms. Jones reviews the leading ETFs and mutual funds for investors interested in Catholic, Jewish, Muslim, and Christian-Bible related ethics and principles.

For Catholics, she likes the Global X S&P 500 Catholic Values ETF, LKCM Aquinas Catholic Equity Fund, and the Ave Maria group of funds.

For those of Jewish persuasion, she says there’s only one for now and that’s the AMIDEX35 Israel Mutual Fund which invests in Israeli companies.

For Muslims, there’s the Imam Fund IMANX the Amana group of funds and ETFs listed on the London Stock Exchange including iShares MSCI World Islamic ETF ISWD and the iShares MSCI USA Islamic ETF ISUS.

And under the umbrella of Christian-Bible offerings, Ms. Jones reviews the Timothy Plan and Guidestone family of funds.

For links to these funds go to my podcast page for this edition at investingforthesoul.com/podcasts.

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In my last podcast, I introduced the research of Tim Nash at Corporate Knights. Well, he’s produced another research report that compares the pros and cons of investing in Uber or Lyft. You can read his full post under the title of Tim Nash’s sustainable stock showdown: Uber vs. Lyft.

Personally, I’m not keen on either company because I believe competition—not just between them but also other entrants including potentially motor vehicle manufacturers themselves—will force them to keep user prices low which will continue to severely restrict profits. Also, their environmental benefits are overplayed as I mentioned in my podcast of April 12.

Anyhow, this is what Mr. Nash says in conclusion, “I’d put Lyft ahead by a headlight in this week’s Sustainability Stock Showdown, but anyone that’s interested in investing in either stock should be ready to fasten their seat belts and brace for a bumpy ride.”

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One big area that I know might interest you is renewable energy. I have several items of news and information that I want to share with you concerning investing in this area.

The first thing you should know is that developments in new products are almost overwhelming. This industry has numerous innovative players and it’s very difficult to know who will eventually be a leader. Sure, you can buy renewable energy ETFs—and a good read on what to buy is an article that appeared recently on Nasdaq, titled, 5 Clean Energy ETFs to Buy for 2019.

But if you’re interested in individual companies, here’s what I’ve seen in the past two weeks.

The New York Times ran an excellent piece reviewing a Danish company called Orsted. They produce massive offshore wind turbines whose energy costs are rapidly declining while already being highly competitive with new natural-gas fired plants.

In solar power, there’s been a tremendous breakthrough in producing new solar panels that appear to be 20-25% more efficient than the best existing panels. A paper outlining the breakthrough appeared in ScienceDaily under the title, Breakthrough in new material to harness solar power. Who will manufacture, market and install such panels wasn’t mentioned.

Incidentally, these panels do have a downside—they contain some lead. I’m sure testing in rainy and humid environments will be needed and manufacturing processes and end-of-life disposal policies will be needed too, considering that most countries will want assurance about the safe removal of lead.

I did a detailed study on solar panel manufacturers a few years ago and discovered that the manufacturing processes themselves can be highly toxic. Furthermore, most countries had no end-of-life policies in place to deal with the safe disposal of the toxic components of solar panels—and that is deeply concerning!

It’s possible that the companies engaged in the manufacturing, marketing and installation of solar panels could at some point be hit with levies or fines in dealing with these issues.

At the time of my research, I was most impressed with SunPower and its environmental efforts.

So, one thing you might want to find out before investing in solar panel manufacturers is how they perform environmentally. A great resource for this is the Solar Power Scorecard produced by the Silicon Valley Toxics Coalition. However, their last scorecard is a little dated and I’m hoping to see their new one soon.

Incidentally, Fox Business just reported on the huge growth of solar panel installation in the US in a post, titled, 2 Million U.S. Solar Installations Are Just the Start.

By the way, a tip for checking how investment analysts rate solar companies—or any companies for that matter—is simply to type into Google Search the name of the company followed by Reuters—the name of the media company—after it. Click search and then click the search item that says the company name and the text Reuters quote. Reuters will then bring-up a research report. Click on analysts in the links bar and you can see how analysts rate the stock of the company you’re researching.

By getting the information on how analysts rate the companies you’re interested in can be terrifically helpful in deciding which companies to invest in. It saves you a lot of time and effort. And this is exactly the kind of tip and help you get in my DIY Ethical-Sustainable Investing Pays Tutorial! This tutorial will be the most worthwhile 1-hour you’ll ever spend getting help with your investments!

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Some other exciting new developments that might interest you are the following.

Vanguard, one of the world’s largest fund companies, has launched its first actively managed ESG ETF, called the Global ESG Select Stock Fund (ticker VEIGX). It will officially begin trading on June 4. This is big as ETFs are mostly ‘passively’ managed, that is they pick a group of stocks typically based on an index, whereas active management means selling and buying different stocks as the managers see fit. In recent years passive investing has usually outperformed active investing. However, who knows what the future will bring.

Also, S&P Dow Jones, who have had ESG indices for many years is launching something new. They are launching ESG global indexes based on core regional and country benchmarks. What is especially interesting is that these indexes, and quoting their press release, provide “a return profile that's consistent with mainstream benchmarks that have been widely followed for years.”

As an aside, what you can do, where possible, is to review the indexes that interest you and see what companies are included in them. You can often get useful ideas for new companies to look at!

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So, these are my top news stories and tips for ethical and sustainable investors over the past two weeks.

Again, to get all the links or to read the transcript of this podcast and sometimes get additional information too, please go to investingforthesoul.com/podcasts and look for this edition.

And be sure to click the like and subscribe buttons in iTunes or wherever you listen to this podcast. That way you can help promote not only this podcast but ethical and sustainable investing globally.

And remember, I’m here to help you grow in your investment success—and investing in opportunities that reflect your personal values!

Please don’t hesitate to contact me if you have any questions about the content of this podcast or anything else investment related. I can’t say I’ll have all the answers for you and some answers I can’t give due to licensing restrictions. But where I can help I will.

Now, a big thank you for listening—and please click the share buttons to share this podcast with your friends and family.

Come again! My next podcast is scheduled for June 7. Bye for now!

Check out this episode!

[maxwellyjordan]

Tuesday round-up

Yesterday the court released orders from Friday’s conference, adding a patent case to its docket for next term and declining to review two related cases involving public funding of religious institutions. Amy Howe covers the order list for this blog, in a post that first appeared at Howe on the Court. At Jurist, Erin McCarthy Holliday covers the patent case, Iancu v. NantKwest, which asks whether a federal law allowing a patent applicant to seek review of a patent denial in district court but requiring the applicant to pay “all the expenses of the proceeding” includes expenses for Patent Office personnel, including attorneys.

At Bloomberg, Greg Stohr reports that although Justice Brett Kavanaugh agreed with the decision not to review the religion cases, “Kavanaugh criticized a state court ruling that bars churches from getting historic-preservation grants from a New Jersey county, aligning himself with conservative justices on public funding for religious activities.” Additional coverage comes from Jessica Gresko at AP, Kevin Daley at The Daily Caller, Adam Liptak at The New York Times, Lawrence Hurley at Reuters, Ariane de Vogue at CNN, Robert Barnes for The Washington Post, and Tim Zubizaretta at Jurist. David Savage reports for the Los Angeles Times that the justices also “let stand a $4-million verdict against two Los Angeles County sheriff’s deputies who were searching for a fugitive and mistakenly shot an innocent homeless couple sleeping in a shed,” “a rare victory for victims of mistaken police shootings.”

The court issued three opinions yesterday. In Rimini Street Inc. v. Oracle USA Inc., the justices ruled unanimously that the term “full costs” awarded to a prevailing party in a copyright case is limited to taxable costs and does not include nontaxable costs such as expert-witness fees. Ronald Mann analyzes the opinion for this blog. Nicholas Chan covers the opinion for Jurist. In another unanimous copyright case, Fourth Estate Public Benefit Corp. v. Wall-Street.com, the justices held that a copyright claimant cannot sue for infringement until after the Copyright Office has ruled on its copyright-registration application. Jessica Litman has this blog’s opinion analysis. Leanne Winkels discusses the opinion at Jurist.

And in BNSF Railway Company v. Loos, the court held 7-2 that a railroad’s payment to an employee for time lost from work is taxable compensation under the Railroad Retirement Tax Act. This blog’s opinion analysis comes from Daniel Hemel. Subscript Law provides a graphic explainer for the opinion, and Austin Koltonowski has Jurist’s coverage. Mark Walsh has a first-hand look at yesterday’s opinion announcements for this blog.

For The New York Times, Adam Liptak remarks that “Justice Clarence Thomas was busy in February[:] As usual, he asked no questions during Supreme Court arguments,” [b]ut he made up for his silence with three opinions in eight days that took issue with some of the court’s most prominent precedents,” including New York Times v. Sullivan, Roe v. Wade, and Gideon v. Wainwright. At The Interdependent Third Branch, Lawrence Friedman writes that “Thomas’s opinions preview what Chief Justice Roberts may look forward to should more justices be appointed who share not just Thomas’s interpretive approach, but his willingness to cast aside settled rules in favor of a return to the presumed original understanding of the constitution.” At the Brennan Center for Justice, Andrew Cohen warns that in questioning Gideon, in which the Supreme Court “first recognized a constitutional ‘right to counsel’ in state cases 56 years ago,” Thomas, joined by Justice Neil Gorsuch, is “telling us clearly where they want this court to go[:] … Back to a time when indigent defendants had no hope of being fairly represented.”

Briefly:

At AP, Mark Sherman reports that after Justice Ruth Bader Ginsburg delivered two of the Supreme Court’s three opinions yesterday, “[n]ow we know what [she] was doing as she recuperated from lung cancer surgery: churning out opinions for the court at a faster clip than any of her younger colleagues.”

At his eponymous blog, Sheldon Nahmod looks at January’s opinion in City of Escondido, California v. Emmons, a “qualified immunity excessive force case, [in which] the Court summarily reversed and once more chastised the Ninth Circuit for making the clearly settled law inquiry at too high a level of generality”; he remarks on ‘”the extreme implications” of a statement in the opinion suggesting that “there can be no clearly settled law unless the Supreme Court has weighed in on the specific issue in comparable factual circumstances.”

At The Interdependent Third Branch, Jordan Singer considers what to expect when Justices Samuel Alito and Elena Kagan testify about the Supreme Court’s budget before a House appropriations subcommittee on Thursday, noting that “[s]ubcommittee members are likely to use the rare opportunity for direct interaction with the Justices to broach a variety of unrelated subjects, including an ethics code for the Supreme Court, the introduction of courtroom cameras, and the federal court system’s new workplace conduct policies.”

We rely on our readers to send us links for our round-up. If you have or know of a recent (published in the last two or three days) article, post, podcast, or op-ed relating to the Supreme Court that you’d like us to consider for inclusion in the round-up, please send it to roundup [at] scotusblog.com. Thank you!

The post Tuesday round-up appeared first on SCOTUSblog.

from Law https://www.scotusblog.com/2019/03/tuesday-round-up-468/ via http://www.rssmix.com/

[stratviewresearch]

Asphalt Shingles Market is Expected to Register a Considerable Growth by 2028

Stratview Research has published a new report on the Asphalt Shingles Market after a thorough analysis of the market. The key sources of information gathered for the report include various industry experts, suppliers, manufacturers, associations along with business distributions. The research report determines unique benefits of the various market size, share and the patent industry.

Wish to know more about the study? Click here to get a Free Sample.

https://www.stratviewresearch.com/Request-Sample/1043/asphalt-shingles-market.html#form

The objective of the Asphalt Shingles Market report is to offer updated information such as the market share, size, trends, emerging markets, earnings, forecasts, and data on leading industry players. This study includes significant and vital information necessary for strategic decision making and have a competitive edge.

In view with the current pandemic analysts at Stratview Research has thoroughly analyzed and presented the following parameters under the detailed Covid – 19 impact analysis in the Asphalt Shingles Market.

Market Insights – The Asphalt Shingles Marketis projected to grow from USD 6.36 billion in 2022 to USD 8.69 billion by 2028 at a CAGR of over 5.3% during the forecast period.

Few key players operating in the Asphalt Shingles Market are-

CertainTeed Corporation,

Owens Corning,

TAMKO Building Products Inc.,

IKO Industries Ltd.,

Atlas Roofing Corporation,

Tarco, GAF Materials Corporation,

Malarkey Roofing Products,

PABCO Roofing Products,

Siplast Inc.,

Henry Company LLC,

Polyglass U.S.A.,

Building Products of Canada Corp.,

NBP International Inc.,

Shibam Ventures.

Growth drivers and Market Value:

This report, from Stratview Research, studies the Asphalt Shingles Market value and growth drivers over the trend period of 2022-27. According to the report -

Asphalt Shingles market is likely to witness a CAGR of 4.0% during the forecast period. The prime factors that are driving the asphalt shingles market are the expanding application range, technological advancements, and surge in demand from the Asia-Pacific region.

Based on Product Type:

Based on the product type, the market is segmented as dimensional shingles, high-performance laminated shingles, and three-tab shingles. Dimensional shingles type dominated the market in 2021, and is expected to maintain its position during the forecast period. Increasing construction activities across the globe is the prime factor driving the growth of dimensional shingles.

Based on Region:

In terms of regions, North America is estimated to be the largest market for asphalt shingles during the forecast period. The USA and Canada are the largest consumers of asphalt shingles in the region. Significant investment towards re-roofing and higher penetration rate is the major factor driving the growth of the market in the region. Asia-Pacific is expected to witness the highest growth owing to huge consumer base and significant economic development in the region. Europe, The Middle East & Africa, and Latin America are also expected to witness a healthy demand for asphalt shingles during the forecast period.

Know more about the report, click here

https://www.stratviewresearch.com/1043/asphalt-shingles-market.html

Critical Questions Answered in the Report

What are the key trends in the global Asphalt Shingles Market?

How the Asphalt Shingles Market (and its various sub-segments) has grown in the last five years?

What would be the growth driver and growth rate in next five years?

What is the impact of COVID-19 on the Asphalt Shingles Market?

What are the key strategies adopted by the major vendors to lead in the Asphalt Shingles Market?

What is the market share of the key players?

 

Target Audience

The following is a list of the customers that the Asphalt Shingles Market aims to convert the most:

Manufacturing Organizations

Distributors & Suppliers

Potential Investors

 

Custom Research: Stratview research offers custom research services across sectors. In case of any custom research requirement related to market assessment, competitive benchmarking, sourcing and procurement, target screening, and others, or to cover analysis on any particular geography or segment, please send your inquiry at sales@stratviewresearch.com or +1-313-307-4176.

What we do –Stratview Research is a growing market research firm. Experts here illustrate innovative, descriptive, and comprehensive insights through market research to satisfy your individual and organizational objectives. We assist the users to make well-informed, profound and favourable decisions to comprehend the advantages of forthcoming trends, developments, assessments, and opportunities through our precise understanding of the market.

[1stnewslink]

Luma Financial Hires Longtime AIG Sales Manager: Personnel Moves

What you need to know

AIG has a new Head of Investor Relations.

Protective Life’s new Chief Risk Manager was New York Life’s Head of Financial Risk.

Partner Re, a reinsurer, has a new CEO for life in North America.

Luma Financial Technologies has hired Keith Burger to serve as its national annuity sales director.

The Cincinnati-based company provides technology and other services to companies that sell structured annuities and other structured products.

Burger worked for American International Group Inc .. from 1998 until the beginning of this year.

Burger was the pension unit’s national sales manager for 19 years. In that position, he increased pension revenue from $ 500 million to $ 5 billion.

According to his LinkedIn listing, he managed outside wholesalers, each with an average productivity of $ 153 million.

He holds a bachelor’s degree in economics from the University of Colorado Boulder. He holds the professional title of Chartered Retirement Planning Counselor.

In other staff moves messages:

AIG has hired Quentin McMillan as Vice President, Managing Director and Head of Investor Relations.

McMillan joined the New York-based insurer from Marsh McLennan, where he was Senior Director of Investor Relations.

Previously, he was Equity Research Executive at Keefe, Bruyette & Woods and Morgan Stanley.

He holds a bachelor’s degree from Boston College and a master’s degree in business administration from Columbia.

Protective Life Corp. – a Birmingham, Alabama-based subsidiary of Dai-Ichi Life Holdings Inc. – has appointed Pooja Rahman as Senior Vice President and Chief Risk Officer.

The company has also promoted Deep Banerjee to Senior Vice President and Treasurer.

Rahman was previously Head of Financial Risk at New York Life Insurance Company.

Early in her career, she worked as an analyst with the National Association of Insurance Commissioners and in positions at Aviva, Principal Financial Group Inc. and the Iowa Insurance Division.

She holds a bachelor’s degree from the University of Mumbai, a master’s degree in business from the University of New Orleans, and a law degree from Drake University.

Banerjee was Vice President Strategic Risk at Protective Life.

He joined the company from S&P Global Ratings in September 2020.

He has a bachelor’s degree from Marietta College.

The Baltimore Life Insurance Company has hired Chris Motta as Vice President, Chief Actuary.

Motta previously worked as a valuation actuary at Global Bankers Insurance Group. He also worked as an actuary for Genworth Financial Inc.

Motta holds a bachelor’s degree from Virginia Tech. He is a Fellow of the Society of Actuaries and a member of the professional titles of the American Academy of Actuaries.

Baltimore Life is based in Owings Mills, Maryland.

Blue Cross and Blue Shield of Minnesota hired Matt Hunt as the first Chief Experience Officer (CXO).

Hunt moved from the US bank in Minneapolis to health insurance in Eagan, Minnesota.

Hunt holds a bachelor’s and master’s degree from the University of Minnesota.

He is a board member of the Bakken Museum in Minneapolis and the Minnesota Institute for Talented Youth in St. Paul.

Minnesota Blue has also promoted Jeff Snegosky to Vice President of Medicare and Individual, from Senior Director, Individual Market and Government Distribution.

Venerable – a West Chester, Pennsylvania-based company that owns and manages variable annuity companies – has appointed Wei Kiat Teo as vice president and head of capital management and Gil Chua as head of risk management strategy.

Teo was previously a member of the Corporate Development Team at Prudential Financial Inc.

He has an Actuarial Degree from the University of Kent, Canterbury, UK.

Chua was a portfolio manager at Goldman Sachs. He holds a bachelor’s degree from the University of Pennsylvania.

PartnerRe Ltd. – a reinsurer based in Pembroke, Bermuda – has named Chris Shanahan to succeed Alan Ryder as CEO North America Life.

Ryer plans to retire on September 1st.

Shanahan was President, US Life Operations at PartnerRe.

At the beginning of his career he was Executive Vice President for Mortality Solutions and Corporate Marketing at Hannover Re in the USA.

He has a bachelor’s degree from Drake University.

The Pension Benefit Guarantee Corp. has hired Ann Orr as chief policy officer.

Previously, she was Deputy Director of the Center for Presidential Transition at the Partnership for Public Service.

Before that, she was Chief of Staff for the PBGC from 2011 to 2019.

She has a bachelor’s degree from Yale.

(Photo: metamorworks / Shutterstock)

The post Luma Financial Hires Longtime AIG Sales Manager: Personnel Moves first appeared on 1st News Link.

source https://1stnewslink.com/luma-financial-hires-longtime-aig-sales-manager-personnel-moves/

[cbdbloggers]

Where to Buy CBD Products near me?

Due to its significant number of benefits in the therapeutic field, CBD is gaining popularity at a rapid rate and is fast emerging as a market champion. Obtained from the extracts of the cannabis plant, cannabinoid or the CBD, as it is commonly known, is known for its soothing effects on anxiety, epilepsy and pains induced by cancerous cells. CBD response varies from individual to individual, but since it's a plant product, the side effects of using CBD oil according to prescribed doses are quite negligible. If taken in the right form and proportion, CBD is known to heal many adverse body conditions. You can grab your CBD oil either online or from your nearest retail store. But if the state or country where you live has not legalized Cannabis, then your only option is to order CBD online. But before buying CBD oil, make sure you know the intricacies of the product so that you do not fall prey to false demands or end up spending the extra money to buy the wrong product. Since the market for CBD oil is unregulated, many companies have brought out products that are fake, over-priced, and not quite beneficial to their users. So it is highly recommended that you do a good amount of research before you select the best option available and you decide where to buy CBD from. While choosing your preferences, here are some points which you should keep in mind-

  •Is the product good in quality? •Is the pricing done right according to the amount of product that is being offered? •What is the source of the product? •Is it a value for money? While buying CBD Products, make sure that the product is tried and tested in third-party laboratories to eliminate any discrepancy or false claims. Also, see the quality checks and customer reviews on that specific company before you decide on it. Another very important factor while buying organic CBD oil is where the oil is coming from. Since it is a plant extract, cultivation and growing of the cannabis plants in the right manner are very important to ensure the product delivers the benefits it promises. If the plants are grown in soils that are contaminated with heavy metals or overloaded with chemical pesticides, the extracts may show severe side effects that can be fatal to one's health and well-being. If CBD is legalized in your state, you can easily find it in any local drugstore or retail CBD Shop. Buying from a shop means that you can see the product before you buy it and also clear out any doubts that you might have from the salesperson. When discussing where to buy CBD from, one cannot forget its availability through online stores. Since the passing of the Farm Bill in 2018, you can get hold of your preferred CBD oil from a range of online portals. A major number of the market leaders in this arena sell CBD oil over the internet and gets them delivered to your doorstep in no time. The Emerald Corp one of the best CBD stores offers trusted brands & top-shelf CBD products all made in the USA. Check out for CBD Products, CBD Oil, Hemp Extract & more.

[cool-cillian-murphy]

Treasury Software review Revenue & Players Key Development Strategies

Latest Research Study on Global Treasury Software Market published by AMA, offers a detailed overview of the factors influencing the global business scope. Treasury Software Market research report shows the latest market insights with upcoming trends and breakdown of the products and services. The report provides key statistics on the market status, size, share, growth factors, Challenges and Current Scenario Analysis of the Treasury Software. This Report also covers the emerging player’s data, including: competitive situation, sales, revenue and global market share of top manufacturers are Finastra (United Kingdom),FIS (United States),GTreasury (United States),ION (United States),Kyriba Corp (United States),TreasuryXpress (United States),eurobase.com (United Kingdom),Calypso (United States),ABM CLOUD (Ukraine),BELLIN (United States). Brief Summary of Treasury Software: Treasury Software is used for treasury management in an organization that helps in supporting commercial treasury operations such as financial services. This software automatically calculates all the steps required to manage financial functionalities of an organization. Moreover, it also provides a root for the entire organization to progress their workflows and save time and effort in even the smallest of units or departments. This software can be managed by an in a house party or from a third-party service provider. An increasing number of organizations which have a long run of financial terms are driving the market.

Free Sample Report + All Related Graphs & Charts @ : https://www.advancemarketanalytics.com/sample-report/10703-global-treasury-software-market-2 Treasury Software Market Report offers a detailed overview of this market and discusses the dominant factors affecting the growth of the market. The impact of Porter's five armies on the market over the next few years has been discussed for a long time in this study. We will also forecast global market size and market outlook over the next few years. Types of Products, Applications and Treasury Software Market Report Geographical Scope taken as the Main Parameter for Market Analysis. This Research Report Conducts an assessment of the industry chain supporting this market. It also provides accurate information on various aspects of this market, such as production capacity, available production capacity utilization, industrial policies affecting the manufacturing chain and market growth. The Global Treasury Software Market segments and Market Data Break Down are illuminated below: by Type (Cloud-based, On-premises), Application (Bank, Government, Enterprise, Other), Vertical (BFSI, Manufacturing, Healthcare, Consumer Goods, Chemicals, Metals, Energy, Others), Organisation Size (Large Enterprises and Small, Medium Enterprises) What's Trending in Market: Acceptance of New Digital Tools in Treasury Application Innovation

Challenges: Lack of Awareness Regarding the Benefits of Treasury Software in Developing Regions

Issue Related to the

 Restraints: Rising Threats of a Data Breach Due To Certain Technical Interferences

Availability of Different Software’s In Market Such As ERP

High Initial Cost of This Software

 Market Growth Drivers: Owing to the Increase in the Demand for Overall Automation Systems

Increasing Risk Management across Various Industrial Segments Is Relaxed By TSM

Intensification of Competitors in the Marketplace Will Also Propel the Market

Region Included are: North America, Europe, Asia Pacific, Oceania, South America, Middle East & Africa

Country Level Break-Up: United States, Canada, Mexico, Brazil, Argentina, Colombia, Chile, South Africa, Nigeria, Tunisia, Morocco, Germany, United Kingdom (UK), the Netherlands, Spain, Italy, Belgium, Austria, Turkey, Russia, France, Poland, Israel, United Arab Emirates, Qatar, Saudi Arabia, China, Japan, Taiwan, South Korea, Singapore, India, Australia and New Zealand etc. Enquire for customization in Report @: https://www.advancemarketanalytics.com/enquiry-before-buy/10703-global-treasury-software-market-2 Strategic Points Covered in Table of Content of Global Treasury Software Market:

Chapter 1: Introduction, market driving force product Objective of Study and Research Scope the Treasury Software market

Chapter 2: Exclusive Summary – the basic information of the Treasury Software Market.

Chapter 3: Displaying the Market Dynamics- Drivers, Trends and Challenges & Opportunities of the Treasury Software

Chapter 4: Presenting the Treasury Software Market Factor Analysis, Post COVID Impact Analysis, Porters Five Forces, Supply/Value Chain, PESTEL analysis, Market Entropy, Patent/Trademark Analysis.

Chapter 5: Displaying the by Type, End User and Region/Country 2015-2020

Chapter 6: Evaluating the leading manufacturers of the Treasury Software market which consists of its Competitive Landscape, Peer Group Analysis, BCG Matrix & Company Profile

Chapter 7: To evaluate the market by segments, by countries and by Manufacturers/Company with revenue share and sales by key countries in these various regions (2021-2026)

Chapter 8 & 9: Displaying the Appendix, Methodology and Data Source Finally, Treasury Software Market is a valuable source of guidance for individuals and companies in their decision framework. Data Sources & Methodology The primary sources involves the industry experts from the Global Treasury Software Market including the management organizations, processing organizations, analytics service providers of the industry’s value chain. All primary sources were interviewed to gather and authenticate qualitative & quantitative information and determine the future prospects. In the extensive primary research process undertaken for this study, the primary sources – Postal Surveys, telephone, Online & Face-to-Face Survey were considered to obtain and verify both qualitative and quantitative aspects of this research study. When it comes to secondary sources Company's Annual reports, press Releases, Websites, Investor Presentation, Conference Call transcripts, Webinar, Journals, Regulators, National Customs and Industry Associations were given primary weight-age. Get More Information: https://www.advancemarketanalytics.com/reports/10703-global-treasury-software-market-2 What benefits does AMA research studies provides?

·        Supporting company financial and cash flow planning

·        Latest industry influencing trends and development scenario

·        Open up New Markets

·        To Seize powerful market opportunities

·        Key decision in planning and to further expand market share

·        Identify Key Business Segments, Market proposition & Gap Analysis

·        Assisting in allocating marketing investments

Definitively, this report will give you an unmistakable perspective on every single reality of the market without a need to allude to some other research report or an information source. Our report will give all of you the realities about the past, present, and eventual fate of the concerned Market.

Thanks for reading this article; you can also get individual chapter wise section or region wise report version like North America, Europe or Asia. About Author:

Advance Market Analytics is Global leaders of Market Research Industry provides the quantified B2B research to Fortune 500 companies on high growth emerging opportunities which will impact more than 80% of worldwide companies' revenues.

Our Analyst is tracking high growth study with detailed statistical and in-depth analysis of market trends & dynamics that provide a complete overview of the industry. We follow an extensive research methodology coupled with critical insights related industry factors and market forces to generate the best value for our clients. We Provides reliable primary and secondary data sources, our analysts and consultants derive informative and usable data suited for our clients business needs. The research study enable clients to meet varied market objectives a from global footprint expansion to supply chain optimization and from competitor profiling to M&As. Contact Us:

Craig Francis (PR & Marketing Manager) AMA Research & Media LLP Unit No. 429, Parsonage Road Edison, NJ New Jersey USA – 08837 Phone: +1 (206) 317 1218 sales@advancemarketanalytics.com   Connect with us at https://www.linkedin.com/company/advance-market-analytics https://www.facebook.com/AMA-Research-Media-LLP-344722399585916 https://twitter.com/amareport

[anayahinckley]

how much do you pay for motorcycle insurance

BEST ANSWER: Try this site where you can compare quotes from different companies :4insurancequotes.xyz

how much do you pay for motorcycle insurance

how much do you pay for motorcycle insurance? Read on… There are many variables that can affect your motorcycle insurance. However, it s always worth it for a low monthly payment. Many insurers look at your driving history and other factors to determine your motorcycle insurance premiums. That said, riding and riding in the United States means that for your monthly fee, you are going to pay on average a price close to the national average. We can help you determine a policy that meets your needs and provides the safest rates. Get your quotes online from the leading providers today. We ll get it done. Let us help you build the right coverage to protect what matters most. As you ride a bike through the rolling hills of Lake Ontario, you should consider a safety bike. It is a great choice for any rider. It is also a great choice for new riders, especially new to the bike business. When it comes to motorcycle insurance in Ontario, the cost of insurance is often very low. Most insurance companies are much more competitive than in your experience,. how much do you pay for motorcycle insurance coverage? Can you get started comparing motorcycle insurance quotes? Read through our comprehensive guide until you discover something that meets your needs, and then explore your options for motorcycle coverage that covers your motorcycle, boat, minivan, and more! Find the best motorcycle insurance quotes with your boat and minivan coverage. Compare motorcycle insurance quotes online. As mentioned in our guide, we’ve already mentioned RV insurance in this guide.  Most RV insurance policies will include it so the insurance doesn’t kick in without some type of liability requirement either. If you rent a home or a car, you’ll probably need some insurance coverage to make a claim. Depending on how long you’ve been driving for insurance coverage and what coverage you purchased in the past, you might be required to provide coverage in case you have an accident. Your personal liability policy will be used if you’re sued for damages. If you have personal effects coverage and the costs of property damage or bodily injury in. how much do you pay for motorcycle insurance? Some states require you to carry an coverage, as well. Many states in the United States offer riders the same protection for their motorcycles, though insurance rates vary according to the state. The same factors also vary depending on where you live. Here are some of the standard states that issue motorcycle insurance. California, Hawaii, Massachusetts, Montana, Ohio, Pennsylvania, and Wisconsin (two states that have in place) are also considered the state that have the lowest . Of the states, Colorado has the most expensive motorcycle insurance premiums in the USA, although it is available in New Hampshire. Of the states,  Missouri and Kentucky, while Texas doesn’t have a state-based minimum amount of bike insurance coverage. As a rider in a state whose insurance will cover more than your liability limits, you should consider purchasing motorcycle insurance. To determine the best insurance providers, money what you do and what you do has to do with the quality of.

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Life Insurance

Life Insurance) insurance products are offered by CNC Insurance Group, LLC (In NJ: ACCG Holdings), Hartford Insurance Group, LLC, CNC Group, LLC, and CNC Group, with its affiliates. The financial strength ratings courtesy the Better Business Bureau are not binding on the insurers, brokers or investors as of now, and may decline further because of regulatory restrictions. CNA Group is a wholly owned subsidiary of General Cancun Corp. The Financial Information Bureau (FIB) is a division of the United States Department of Treasury (F.O. 1740). The financial strength ratings courtesy F.O. 1740 are not binding on the insurers, brokers or investors as of now, and may decline further because of regulatory restrictions. An insurer s consolidated balance sheet is the net reserve used by the insurer within the covered reinsurance pool. It is not used by all insurers. To learn more about CNA Group s commercial commercial reinsurance products, please . CNA Group has a comprehensive commercial.

Auto Insurance

Auto Insurance Services, Inc, DBA DBA Insurance Services, Inc., DBA DBA Insurance Services, Inc. Type company name in search bar to find the pros, cons, and ratings. Otherwise each insurer is from 1 to 1000 12/22/19 16/19 19/20/19 23.

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Wait – My Auto Insurance Doesn’t Cover My Motorcycle??? We are a FREE Motorcycle insurance agency…and we will write our policies in the future! We are extremely loyal members of the community! We represent over 20 companies, and each one of them offers a different discount. And, please don’t overlook that your insurance will cover only what is safest for you. Do what is most appropriate, when you’re looking for auto insurance, for your vehicle. Call us at 864-444-0324 today. We’ll get right back to you as quickly as possible, so no misunderstanding or confusion can occur. We can not only find the best policy for your budget and need your business, but we can also ensure that you are not out of financial debt, have sufficient funds ready at home, or some may well be able to save for the future. At Allstate, we are experienced insurance agents with a great reputation for our industry, that you know you will be working with. In addition, we do have.

Home & Renters Insurance

Home & Renters Insurance. This provides some coverage to compensate the renters for damaged personal property and medical costs from a covered loss. The insurance must also cover any medical, or accident, bills of victims. Additionally, renters can claim rental insurance for the damages they deal with at their rental homes. This also extends to homeowners covering a damaged home or belongings from a personal liability loss in a covered claim. This is available as a separate policy (that is not a part of the renters’ insurance). It is possible that an injured worker cannot be identified and the claim filed is filed by your tenant. The homeowner will be responsible for resolving any claims that are filed and providing a copy of the coverage to the hotel for documentation purposes. It may also be the landlord of a damaged residence, as a result of the covered loss of personal property and any covered medical incidents. In some cities, the injured worker can be seen by a police officer as a person who is in the hospital. This is.

Health Insurance

Health Insurance (a government-operated plan, and the ACA). A government-operated plan is not an insurance program nor is it allowed to provide benefits directly to consumers. An ACA Independent Budgeting Program (ABI) requires all small business owners to use a qualified health plan for a set amount of time within a specified time frame. These terms are commonly used by small employers and their employees to estimate how many people are employed by the company. The ABI also uses the individual mandate to exclude health plans from health insurance plans as “essential benefits.” This standard applies to all federally-regulated plans that provide benefits in the individual and individual programs for individuals and families. All insurance policies are subject to the same set of requirements for the silver and bronze plans. The ABI has its own stipulations in the terms of the insurance plan. For example, the ABI may not cover a single person or a family member’s coverage. Instead, ABI’s individual insurance coverage.

Why Do You Need Insurance For Your Motorcycle?

Why Do You Need Insurance For Your Motorcycle? There are a few reasons as to why you need proper motorcycle insurance. After all, the most important thing about what you do to protect your riding life is you can be confident that you don’t have any type of coverage for your motorcycle. There are many reasons that cause a motorcycle accident, from theft, collisions, accidents like hail, motorcycle fuel, and so on. Here are a few of the reasons why you may be concerned about. There are two reasons that do not involve motorcycle insurance. When you purchase your insurance plan, a certain part of it is going to be used for emergencies. Your insurance company will always provide an individualized insurance plan as if they are doing what needs to be done. As a result, your claim could be denied or covered for a different type of insurance. For example, if something did happen to your bike and it is damaged or destroyed, you will be required to file with your company and your insurance provider will also make you a part of that claim.

What is the average cost of motorcycle insurance?

What is the average cost of motorcycle insurance? The cheapest rates are between $1,000 and $5,000. The rate you might get is because of the value of the bike and how much you own or lease your vehicle. This will show your insurance company that you have a need. And your driving record? These are just my personal observations. A comprehensive or liability insurance policy in which you also get liability and damage if you’re responsible for damage to another vehicle but were not injured because of your handling ability? And then the cheapest auto insurance for a who has a car loan or leases? The lowest premiums are between $500 and $1,500. A few things will happen to you in your case if you’ve been in a serious accident. You need car insurance, not to say you need motorcycle insurance. You could choose a company that will insure you, or you might think that’s enough insurance. But if you’re in between accidents, you have a harder time finding coverage that.

Cheapest Full Coverage Motorcycle Insurance:

Cheapest Full Coverage Motorcycle Insurance: Progressive’s full coverage auto insurance gives you complete protection without compromising quality. Free Auto Insurance Comparison Enter your ZIP code below to view companies that have cheap auto insurance rates.  Secured with SHA-256 Encryption The other two are optional coverage features from Progressive. When choosing Progressive’s full coverage auto insurance quote, they also give customers a chance to purchase their policy separately. When we ran the quote on a 2015 Toyota Corolla, we noticed that they had: While they did sell additional roadside assistance policies as well, they were only available to drivers in New York state. We would be surprised if they were the only insurer in the country where they were a viable possibility, but I can t recall other carriers to provide this benefit. But that is a mystery since it can vary by state and industry. It would certainly be a benefit for the insured vehicle owner to receive this perk. Progressive may not be the cheapest insurer in the nation, but.

Full Coverage Motorcycle Insurance Quotes

Full Coverage Motorcycle Insurance Quotes State Latest Year Current Term Term Total Announced, Total Deferred Total Coverage (in California) with 5 cars Vehicle Total, Total Deferred Driving Style Average Annual Gross Volume % Year Progressive Auto Complete 100 Progressive Total miles, average premiums, total credits, and credits for car About The AuthorBruce Schmitz is a professional writerly voice. In his spare time, he​ enjoys helping other people navigate the confusing world of insurance. He has been writing professionally since 2006 when he was surveyed as a 20-year-old college student; He has since written dozens of insurance reviews. As a writer, he strives to treat people with touchstones appropriate for their situation. If you need assistance with your policy, you can always call your.