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A pay off stub electrical generator is one of the greatest discovery in the future alongside in awhile. Utilizing a pay stub power generator will enable you to produce and look after a steady record within your pay stubs on the net for half the expense. Some even say a newspaper stub generator is less dangerous than getting your spend stub immediately by email. With today’s financial system, many individuals are worried about shedding their employment or being unable to make concludes satisfy. When you loved this informative article and also you wish to receive details regarding Paystub kindly go to our web site. These concerns may be reduced. Numerous recruiters are confirming improved cases of staff members getting rid of their work throughout the last 12 months due to downsizing of particular organizations, by keeping a close tab on their costs. A good reason why an employer may possibly decide to downsize is given that they do not want to provide positive aspects and incomes on their staff. However, many businesses even now need to pay their personnel therefore they carry on to look for ways to cut down charges. They are not giving up funds however their business is not affected. Payroll reductions might be taken via steer pay in, by paying them via payroll write offs taken from their paycheck. Many organisations are confirming good results fees of higher than 95%. The advantage to this style of settlement could be that the employee has power over just where his cash is proceeding. Also, the employee can evaluate what amount of time his fee will certainly happen. His fork out stubs on the internet will indicate all those financial transactions. A pay out stub generator can even provide you an alternate way to show your income if an staff prefers primary put in more than a conventional bank-account. When you are not receiving a typical salary, it means that you can display evidence of income even. You may well be thinking how many other options are offered to verification salary. It can be typical process for many individuals to demonstrate proof of revenue by getting a taxes form. This is a great solution however it will not constantly help everybody. When shopping for a solution that gives an on-line technique for depositing your shell out stubs, you may want to take into consideration a digital payroll management software. There are plenty of companies that sell off software program products and solutions developed for payroll supervision. A few of these solutions permit you to obtain the software in your laptop and then produce your fork out stubs online directly from this software. These systems can perform with any computer system and then for any os. There is no program to get and there is absolutely no computer software to order. All you need is Internet connection and you are ready to get started on attending to the papers. If you would like a pay stubs on the web solution, it is vital that you decide on an organization that offers you a digital official document. In the event your possibilities supplier features this selection, you cannot assume all corporations try this so you should check to determine. Also, it is smart to find a organization that lets you down load and print your certifications quickly once you have produced your down payment. These online professional services for recruiters will offer either digital and electronic digital qualification methods so it is simple for making the button from pieces of paper to electronic in the office. When you are a self-employed or maintain a discuss of carry in a organization, make sure that your chosen shell out stubs and income tax time documents are maintained electronically. A good way to track data is to create a spreadsheet of all your taxation facts. You can even keep a replicate of all things you send out for your employer. Most of the time you can put in place automatic expenses to the self-employed staff members using your data processing strategy or perhaps an on the web lender. It is vital that you possess everything you need on the market on hand because it is incredibly irritating for your and you also staff members if you are unable to get the important information at tax bill time. There are lots of alternative ideas that supply workers having a practical method to obtain pay stubs and other records. Whether you ultimately choose cardstock or electronic possibilities, it is best to make sure you are invariably accessible to your staff could easily accessibility these documents often. This will help them stay structured and record their unique unique information.

Personal Finance

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Foran Financial Group’s 2020 Financial Checklist The new year signifies a fresh start, a new beginning, a reset, if you will. Many people make New Year’s resolutions this time of year, and many times, it’s a pledge to finally get their financial plans in order. However, resolutions are known to be broken, and a lot of the time, excitement and drive to make plans and create goals to accomplish are lost by February. So, instead of encouraging another resolution, I offer a financial planning checklist. Let’s take a look at what goals you should consider for the new year. Make 2020 the year you really do get your financial plan in place. Contact Foran Financial Group to help you get started. Establish or Review Your Financial Plan If you don’t currently have a financial plan in place, talk with a financial advisor and create one today. It’s never too early to start planning for the future, and in fact, the earlier you start, the more money you have the potential to make! Albert Einstein called compound interest (when your money makes money) the eighth wonder of the world. Take advantage of it! If you do already have a financial plan in place, review it! A thorough review of your plan should be done at least once a year for a number of reasons, and what better time to do it than a new year? An annual review allows you to revisit your financial goals and retirement plans. Are they still the same? Often, what you once think will work is different later on. Are the same people in your life? Did you change jobs? Are you making the amount of money you had hoped to at this point in your life? If any of these circumstances have changed, you may want to change your financial plan along with it. A review is also a chance to share with your financial advisor any major life events that may have taken place that can affect your financial life. For example, did you recently start a family? Get divorced or remarry? Start your own business? Are the beneficiaries you have listed on your plans still people you wish to leave your assets to? Is there someone you need to add, such as a new child? Another perk to having an annual review is to evaluate your progress. Is your allocation to stocks versus bonds the way you want it? Should you be invested in growth stocks or dividend-paying stocks, tax-advantaged municipal bonds or taxable bonds? We can formulate an investment strategy suited to your situation and to your financial plan. We can help you. Revisit Your Budget The first step to financial success is spending less than you make. Take a look at your income, including any side-hustles or new projects you’ve taken on. And then review your costs. Rent and mortgages can change, day-to-day expenses may have increased and costs could have also gone up. This includes any debt you have. Have you paid off your student debt or opened a new credit card? Evaluate your high-interest debt first (such as credit cards and personal loans) and see if you can pay it off. When you’re paying a lot in interest, it’s hard to ever pay off the money you actually owe. (Read our recent blog post for some of the common financial mistakes people make: 5 Most Common Retirement Mistakes.) Make Your Retirement Plan Contributions Whether you have a Traditional or Roth IRA, you may still be eligible to make a contribution for 2019 – you have until April 15, 2020 to do so. Remember, making a contribution now will allow that money to work for you all year long. You may also want to reconsider the amount of your contributions. If you’re up for a raise at work but are comfortable in your living situation, increasing your retirement plan contributions may be easier than you think. This goes for your 401(k) as well, especially if you’re not currently contributing enough to get your full employer match. Remember, an employer match is basically free money! Taking advantage of free money may sound like a no-brainer, but millions of people every year don’t, leaving behind an estimated $24 billion every year! Take Advantage of Any Tax Benefits There are many ways to use your money that can benefit your taxes, but not all strategies are right for everyone. Discuss your plans with a financial advisor to ensure you’re taking advantage of every opportunity. A new year is also a good time to look at your withholdings. If you regularly receive a refund at the end of the year, talk with an advisor about changing your withholdings. While getting a check in the mail is always nice, getting it ahead of time may allow you to put that money somewhere that it can make money for your future. Take Any Necessary RMDs If you turn 70-½ this year, you may have to begin taking Required Minimum Distributions (RMDs) from your IRAs. Missing this deadline can result in hefty, long-term fees and taxes. If RMDs won’t help you but instead simply bump you up to a higher tax bracket, the solution is not to simply ignore them. Instead, talk to your financial advisor about the benefits of using this money to make Qualified Charitable Deductions (QCDs) to charity. Depending on your situation, this could be a wise strategy for you. Create or Review Your Estate Plan If you’re still in your 20s, 30s, even 40s and 50s and don’t think an estate plan is necessary, think again. First of all, if you have children, establishing a will and determining someone to care for your children the way you want them cared for can save a lot of heartache and stress if something was to happen to you (and the other parent) suddenly or unexpectedly. Secondly, even if you only have a few assets worth anything, if you should pass away without an estate plan, the state in which you live has a plan for it! And chances are you won’t like it. Financial planning in New Jersey, for example, is different than in other areas. There are many financial strategies that you may be able to take advantage of, depending on which state you reside. Estate planning is not only for the wealthy or the retired. Talk with a financial advisor about establishing a plan … just in case. The financial professionals associated with Foran Financial Group may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Personal Finance

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Beginning on January 1, 2018, if your business is taxed as a partnership you will need to file an election in order to try and avoid some of the new partnership audit rules. There will be two types of partnerships for audit purposes. The large partnership is one that has 100 partners and assets of $100,000,000 or more. The small business partnership is one that has less than 100 partners. The trap for a small business partnership qualification will be if the business has an ineligible partner, such as a family trust, which is discussed below. A lot of partnership audit start first with an individual partner’s audit that leads to a partnership audit later. The reason why a business owner would want to file the new election is to avoid a 37% tax on an audit deficiency at the partnership level and be able to push out the deficiency at the partner’s tax level which generally is at a lower tax rate. Audits for 2018 will now be at the partnership level and partners will not be allowed to participate in an IRS audit. The partnership audit and adjustment rules enacted as part of the Bipartisan Budget Act of 2015 and amended by the Protecting Americans from Tax Hikes Act of 2015 (the “BBA audit rules”) revolutionize the manner in which partnerships will be audited and related taxes will be assessed and collected for tax years generally beginning after December 31, 2017. Beginning in 2018, the TEFRA (Tax Equity and Fiscal Responsibility Act of 1982) partnership audit rules are repealed. - How do you qualify to be a BBA small partnership? BBA small partnerships are a partnerships with no more than 100 partners of Schedules K-1 and whose partners consist only of one or more of the following five types of partners: - i) Individuals, - ii) The estates of deceased partners, - iii) C corporations, - iv) Foreign entities that would be C corporations if they were U.S. entities, and - v) S corporations. There are three types of ineligible partners for a BBA small partnership. If any partner in the partnership is either a trust, single member LLC, or a partnership they are ineligible partners and will cause the partnership to not be able to make the election. The IRS ruled on January 2, 2018 a typical family trust is an ineligible partner, as well as, other types of trusts that are partners are also a problem. What can be done if a partnership can’t qualify as a BBA small partnership? If you have an ineligible partner, you need to amend the partnership or operating agreement to provide for the (i) appointment of a “partnership representative” and (ii) a “push-out” provision agreed to by partners. A partnership agreement may “push out” partnership audit liabilities on a pro rata basis to persons who were partners in the reviewed year. While the matter is unclear, it appears probable that these persons may pay their shares of these liabilities at their marginal rate and not at the above 37% rate. The BBA audit rules are complex and will require all business owners to review their partnership and LLC operating agreements to deal with the new audit rules with their tax advisors. At a minimum, whether or not you can elect to be a BBA small partnership, amending the partnership and or LLC operating agreement to protect the partnership from not having ineligible partners, appointing a “partnership representative” and providing for a “pushout” provision would be a prudent move against potential partnership audits.

Personal Finance

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Even during the best of times, maintaining your emotional and financial health can be difficult when you’re working in the gig economy. The income for gig workers (sometimes called freelancers or contractors) can fluctuate from month to month, making budgeting difficult and the risk of debt higher. The financial crisis that has followed Canadians throughout the pandemic and beyond has presented many challenges. Some industries and sectors faced more challenges than others. And even though the government provides self-employed Canadians with EI (Employment Insurance) benefits, the shutdowns, slowdowns, and unpredictable economy has made it tough for many gig workers to make ends meet. Even before the added challenges of the pandemic, gig workers consistently face variable income, a lack of structure and a high potential for burnout. On the upside, there are a great number of businesses that have converted to operating virtually over the past few years. The possibility of working with contract or distance employees may be more acceptable and more plausible to employers who previously only considered the traditional work structure of office-only employees. Many people turn to the gig economy when cash is tight or jobs are scarce, a trend seen often throughout the pandemic. A side hustle or short-term contract job offers a means for a household to deal with the rising cost of living and cover expenses when traditional employment hasn’t been reliable. Additionally, gig workers have the perks of flexibility, independence and a variety of work options. There are steps you can take to increase your peace of mind and avoid debt when you’re a freelancer or contract worker — first and foremost is a budget. Here are some strategies to help you manage your money when your income is less than predictable. The first step when creating any type of budget is determining what you’re earning and what you’re spending each month. When your income fluctuates, this step can be challenging. Start by tracking your expenses and income for three to six months. To ensure you’re paying down debt and setting aside money for savings each month, treat these goals as expenses as well. Once you’ve totaled your expenses, divide that amount by the number of months you have been tracking. For example, if three months of expenses add up to $15,000, your average monthly expenses would be $5,000 ($15,000 divided by three). Whatever budgeting method you choose, it’s important that your budget balances at the end of each month. In other words, your expenses don’t exceed your income and your budget balances to zero. One way to do deal with fluctuating income is to create three bank accounts: one for your income, one for your expenses, and one account that will be your savings buffer. Deposit all your sources of income into your income account. Your ‘salary’ will be equal to your average monthly expenses calculated in the example above. Each month transfer your ‘salary’ from the income account to your expenses account. For example, if you calculated your average monthly expenses to be $5,000, that’s your monthly salary. On those months when your income is over $5,000, transfer extra funds into your savings buffer account. During leaner months, when you make less than $5,000, you can draw from your savings buffer to increase your ‘salary’ to $5,000. When you’re a part of the gig economy, it can be easy to view your entire paycheque as available income—especially if the effects of the pandemic caused leaner months and fewer job opportunities. But, remember to set aside a percentage of your income each month or make a separate bank account for income taxes. Having that money set aside will not only allow you to pay your taxes when they come due, but it will also help you avoid unnecessary tax debt. It can be tempting when income is low to forgo saving for taxes, but you’ll thank yourself later. To avoid feeling like you’re always falling behind, stick to your budget and avoid turning to debt. When work opportunities are abundant and your income is higher, consider putting more towards your debt repayment if you can. Freeing yourself from costly credit card debt or vehicle loans will eventually allow you to focus on short and long-term savings goals instead. If debt payments are making it harder to make ends meet, use our debt options calculator to compare debt solutions or speak to a Licensed Insolvency Trustee. Along with the perks of gig work, like flexible schedules and high earning potential, are also some drawbacks. While freelancing or contract working, you will miss out on benefit plans and paid vacation leave provided by most companies to their full-time salary workers. It is wise to establish how much your annual health care needs will be and how much to save for when you want to go away for a week. You must incorporate how much these expenses will cost on an annual basis into your budget and continuously set aside a portion of your savings specifically for these items. As a gig worker, your income will likely fluctuate month by month. Some months you may struggle to make ends meet while other months you make significantly more than a typical 9-5 job. As difficult as it may be, it’s important to remember during those good months to not overspend your recent earnings. Instead, invest that extra money into something that will be beneficial in the long term. You could reinvest that money into growing your client base, learn a new skill to add to your repertoire or, as mentioned earlier, pay off some debt. When negotiating your gig work jobs it is important to determine who is responsible for every cost. Time, equipment and shipping are just a few costs that can easily bring your hourly earnings down from $20 to $5. The best way to mitigate the risk of a hidden cost is to have clearly written proof of the working contract. There will be times when hidden costs still arise though. To prepare, it is important to have an emergency savings fund for this type of expense. It is wise to keep a substantial amount set aside as the hidden costs can range from small to large. Finally, remember whether you’re a gig worker or not, it’s always a good idea to perform a twice-yearly financial checkup. This will help to gauge your current financial health and help you plan for what’s ahead. Is your debt making it more difficult to make ends meet on an irregular income? Reach out to a Licensed Insolvency Trustee for a free consultation today. Call 1-855-BDO-Debt or fill out the form below. Your story is more than your debt and we’re here to help. Fields marked with an asterisk (*) are required. A BDO debt professional will contact you within one business day to schedule your free initial consultation.

Personal Finance

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Tax Audit Lawyers in Great Bend In Great Bend, Kansas, a "tax audit" is a procedure in which the IRS or local tax authorities conduct an investigation of a taxpayer's tax filings, looking at them in more detail than they ordinarily do. Usually, they do this because there is something suspicious in the tax return. State and federal tax authorities also do a certain number of random audits each year, without necessarily suspecting that an individual auditee has done anything wrong. The process of a Great Bend, Kansas tax audit is usually pretty straightforward. If and when you are faced with a tax audit, you'll receive a letter from the IRS, or its state equivalent, telling you that you're being audited. However, you should not assume that this letter is authentic, because con artists will sometimes send fake audit letters to squeeze money out of innocent taxpayers. You should seek independent confirmation of the letter's authenticity by searching the Internet for the name of the government agency in question, and contact them for more information. Once you receive the letter, and confirm its authenticity, you will have to meet with an auditor at the time and place specified in the letter, and subsequent communications with the auditor. The auditor will tell you what documents and records you need to bring to the meeting. They will then ask you some questions to clear up whatever discrepancy they found in your tax return. Reasons For a Tax Audit in Great Bend, Kansas There are plenty of reasons why Kansas's government, or the federal government, might conduct a tax audit. As discussed earlier, tax audits can be conducted at random. Obviously, the government doesn't have the resources to audit every taxpayer under their jurisdiction. But, by conducting a significant number of random audits each year, taxpayers are, in theory, discouraged from cheating on their taxes, because they know that they might be audited randomly. If you are chosen for a random audit, and have done everything right, you almost certainly have nothing to worry about. However if the IRS or other tax agency suspects actual wrongdoing by a Great Bend, Kansas taxpayer, that's a different matter. There are many different reasons why a government might decide to audit a taxpayer. The most common one is suspicion that they have underreported their income. If a taxpayer buys a large number of expensive luxury items, but reports little or no income on their tax returns, the government will definitely want to know where the money to buy all those things came from, and why it hasn't been declared as taxable income. Another common reason for tax audits in Great Bend, Kansas is when a taxpayer claims a large number of deductions. A deduction is simply a legally-allowed subtraction from a person's taxable income. For instance, charitable donations can be deducted from one's income in the full amount of the donation. However, if a person claims a very large number of deductions, to the point that they claim little or no tax liability, the tax authorities are going to take a closer look. How Can A Great Bend, Kansas Tax Lawyer Help? If you find yourself being audited in Great Bend, Kansas, and are certain that you have done everything right in preparing your taxes, then the audit will probably be over quickly, with no penalties imposed. In cases like this, if anything is found to be wrong with your tax return, it is likely the result of an honest mistake, and the auditor will be aware of this, and will probably give you an opportunity to correct your mistake, without suffering any penalties, with the possible exception of being made to pay interest on any back taxes you owe. But, in more perplexing cases, chances are you would be well-served by a tax lawyer in Great Bend, Kansas, to ensure that your tax audit goes smoothly.

Personal Finance

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What is a PTIN? PTIN stands for Preparer Tax Identification Number. Every person who prepares tax returns for compensation must obtain a PTIN from the IRS. Tax preparers are required by law to include their PTIN on each tax return they prepare. If you work in an office setting where there are many preparers, every individual in the office should have their own PTIN. Who Needs to Get an IRS PTIN? A PTIN is necessary for every tax professional who receives compensation for preparing, or assisting in the preparation, of U.S. federal tax returns. Certified public accountants, enrolled agents, participants in the Annual Filing Season Program, and other tax preparers fall under the PTIN requirements. While PTIN requirements may seem simple, there are very specific rules to determine who needs to get a PTIN: PTIN Required if Receiving Compensation: Means the tax professional is getting paid to prepare federal tax returns. For example, if you’re a volunteer who only prepares tax returns for free, then you do not need to get a PTIN. PTIN Required if Assisting in Preparing Tax Returns: Means the tax professional prepares part of a tax return and makes determinations that impact the client’s tax liability. However, interns who only perform routine data entry and don’t make tax determinations are not required to get a PTIN. How to Get a PTIN in Four Steps: 1. Gather Information for PTIN Registration Before applying for a PTIN, tax preparers should download Form W-12 and read the instructions. Use Form W-12 as a checklist to make sure you have all the required information. At a minimum, tax preparers should have the last tax return handy as well as details about their professional credentials (such as their CPA license). Social Security Number Personal information (name, mailing address, date of birth). Business information (name, mailing address, telephone number). Previous year’s individual tax return (name, address, filing status) Explanations for any tax obligations or felony convictions (if applicable). Any certification information (including certification number, jurisdiction of issuance, and expiration date) for all certifications you hold including CPA, attorney, enrolled agent, etc. 2. Create a PTIN Account When applying for a PTIN for the first time, tax professionals are strongly encouraged to create a PTIN account online with the IRS. With an online PTIN account, first-time applicants can fill out the paperwork and receive their PTIN in about 15 minutes. 3. Apply for a PTIN Tax preparers apply for a PTIN either through the IRS website or by mailing in Form W-12. Applying for a PTIN online takes about 15 minutes. After creating an online PTIN account, tax preparers log in to the PTIN system and select the option to sign up with their Social Security number. 4. Receive Your PTIN After completing the online PTIN application, most tax preparers will receive their Preparer Tax Identification Number immediately once the application is complete. If you mailed in the paper forms, you will receive your PTIN after the IRS processes your PTIN application in about four to six weeks. You may want to save or to print the welcome message from the IRS containing your PTIN. If desired for your records, print the screens of your PTIN application after you complete them, as the IRS will not email you a copy of your completed application. How to Renew Your PTIN Tax preparers must renew their Preparer Tax Identification Number (PTIN) each year. PTINs expire on the last day of the year, December 31. Preparers can renew their PTIN as early as mid-October. Prepares should renew their PTINs before filing tax returns in the new year. Preparers can renew their PTIN online or by mail. The three steps for a PTIN renewal are: 1. Log into Your PTIN Account Log into the PTIN System on IRS.gov. From the main menu, click on the Select button next to PTIN Renewal. Follow the prompts on the screen. Alternatively, you can fill out and mail in Form W-12. 2. Verify Your PTIN Information After selecting the PTIN Renewal link, review and verify the information displayed on the screen. Update any information. Complete all required fields, which are marked with a red asterisk. 3. Get Your PTIN Renewal Confirmation After verifying your information, your PTIN is renewed for the year. From the main menu, you will see that your PTIN has an active status. You will notice that the year your PTIN expires is also updated; view this by clicking on Show Details. The IRS will also send a PTIN renewal letter to your PTIN inbox.

Personal Finance

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Our previous articles covered audit trends we have noticed at Sovos and common triggers of a VAT audit. This article discusses the best practices on how to prepare for a VAT audit. Each country and jurisdiction may have different laws and requirements related to the VAT audit process. Tax authorities can carry out audits in person or by correspondence, the latter often being the case for non-established businesses in the country in question. A business may be audited at random or because there are reasons for the tax authority to believe that there is a problem with the company’s VAT return. Generally speaking, authorities use audits and inspections to verify the accuracy of taxpayers’ declarations, identify possible errors or underpayments, and approve refunds. As discussed in our previous article, to understand how to best prepare for a VAT audit, it’s essential to identify the reason why the audit was initiated. Although specific checklists are available depending on the country of the audit, there are several actions that a business can carry out to prepare for an VAT audit. The most important of which is to collect documents and answers in advance. Frequently requested items during an audit include: It is important that records of the above-listed documents, where applicable, are kept in line with local record keeping requirements. The need to prepare these documents in advance and the ability to produce them quickly becomes essential when a company is, for example, due to request the refund of VAT credits, to submit a de-registration or has, in general, any reason to expect for an audit to be initiated. Authorities can open a cross check of activities with the company’s customers and suppliers, which will be initiated in parallel to the audit to verify that the information provided from both sides is consistent. Therefore, it is recommended to inform suppliers about any ongoing audit, communicate any questions or clarify outstanding queries. If, for example, a correction of invoices appears to be necessary, these should be finalised already in preparation for the VAT audit. The tax authorities may impose very short and strict deadlines once an audit is initiated. Although it may be possible to request an extension, it is not necessarily guaranteed to be granted. In certain circumstances, authorities may impose penalties for late responses. Providing a clear and understandable set of documents to the tax office queries is essential to avoid any detrimental effects. The advantages of preparing for a VAT audit can be summarised as follows: Whether a business decides to handle the audit in-house or request the support of an external advisor, it is essential to consider the consequences of the audit, especially if high amounts of VAT to recover are at stake. In the event of an audit, the main objective should be to resolve it successfully and quickly, limiting as much as possible any detrimental impact to the business. The most recent update to the Portuguese Stamp Duty system has included some of the most comprehensive tax reporting changes seen in recent years. Stamp Duty is the oldest tax in Portugal and has been around since the Royal Decree in 1660. Considering its age, updates to bring it in line with the global standard of tax reporting were much needed. Although the tax rates within Portugal have remained unchanged, the reporting process to incorporate the provincial liabilities within one return has been greatly appreciated. The additional information that insurers are obliged to collect, disclose and submit in their Stamp Duty Declaration is as follows: It’s important to note that the ability to offset taxes relating to previous periods has been revoked by Law Decree no. 119/2019, which allowed insurers to report reduced tax amounts for overpaid liabilities. The modifications to the reporting procedure enable companies to amend previous periods through their internal system. Consequently, this permits adjustments to prior periods and the reclaiming of overdeclared liabilities directly from the Portuguese tax authority. It is our understanding that reclaims will be reimbursed to the client two months after an amended return is submitted. Sovos has developed a unique relationship with the Portuguese tax authority, allowing for comprehensive reporting between Sovos systems and the Portuguese API. The reporting procedure can confirm validated IDs to ease data validation and reporting. This collaborative process has allowed Sovos to provide our customers with a smoother and more fluid submission process for Stamp Duty reporting. To understand more about Portugal’s Stamp Duty and how it impacts your IPT compliance, get in touch with our team of experts. Learn more about the latest rates, rules and regulation of Insurance Premium Tax in our e-book, IPT Compliance – A Guide for Insurers. There are many taxes (IPT) and parafiscal charges levied on insurance premiums throughout Europe. As a consequence of the lack of tax harmonisation, no general rules can be applied to establish which taxes exist in which countries and how to calculate the correct IPT amounts. Some insurers do not have a dedicated IPT team; this is usually the case with smaller insurers. This could lead to IPT miscalculation and can trigger penalties. Without the proper and up-to-date knowledge, it is easy to be lost in the rules and regulations. The following blog gives an overview of the tax calculation methods highlighting some unique elements of the IPT calculation. There are two basic tax calculation methods in the European IPT world In the first instance, there is a tax rate. For example in Bulgaria (2%) businesses can easily determine the tax amount by multiplying the taxable basis with this tax rate. Fortunately, several IPT calculations are based on this so-called basic rate model. While in the second case, the local regulations determine the tax amount which needs to be settled on the insurance policies. Irish Stamp Duty can be mentioned as an example. One can say that this is not rocket science. Furthermore, it is easy. These calculation models are just the basics. IPT regulations are built on these basic models adding several specific rules making the IPT calculations fairly complex. Here are some examples of these specific rules: To add further colour to this topic, we can mention that reversing a policy line in the calculation does not always result in the same tax amount in a negative position. The best example is Malta, where the same amount of Stamp Duty is not refunded when the policy is cancelled after the cooling-off period. Instead of getting back the same stamp duty paid, an additional EUR 2.33 Stamp duty is triggered if certain conditions are met. Although this is a unique regulation this highlights that when it comes to reversing a policy line, it is strongly recommended to check the rules beforehand and clarify whether or not the negative IPT can be offset or reclaimed and adjust the calculation method accordingly. IPT calculation requires detailed knowledge of the rules and regulations. Sovos has a dedicated team of compliance experts to walk you through even the most challenging calculations. Contact our team today. In 2019, the Portuguese government enacted Law Decree n. 28/2019, introducing a full reform of the rules concerning the issuance, processing and archiving of invoices, with the main goals of implementing electronic invoicing, simplifying compliance for taxpayers and reducing the VAT gap. The expanded scope of those obliged to use a billing software certified by the Portuguese Tax Authority, the inclusion of a QR code and a sequential unique number code (ATCUD – código único de documento) and the stricter integrity and authenticity requirements when issuing invoices and other relevant fiscal documents were some of the most impactful mandates introduced by this law. However, many taxpayers struggled to comply with the new requirements. As such, the tax authority has delayed the launch of different components of the Decree, and some of them remain to be implemented. In a recent Ministerial Decision from 26 May 2022, the goal line for implementing the stricter integrity and authenticity requirement, this article’s focal point, has been moved yet again, now to 1 January 2023. The Decree from 2019 established that in order to guarantee the requirements of authenticity and integrity of electronic invoices and other relevant fiscal documents have been met (per article 233 of the EU VAT Directive 2006/112/EC), taxpayers must use a qualified electronic signature, a qualified electronic seal (QES) or an electronic data exchange system (EDI) with security measures per the European Model EDI Agreement. This change is important as it limits the choice of compliance methods generally recognised within the EU to one between only QES and EDI. To achieve this goal, the Decree determined that taxpayers would only be able to use previously accepted advanced electronic signatures or seals (the lower level of signature security) until 31 December 2020. After that, all invoices would be required to incorporate a qualified signature or seal or be issued through EDI. The original deadline for implementing the stricter integrity and authenticity requirements has been postponed many times. The first delay was ordained through Despacho n. 437/2020-XXII of 9 November 2020 of the State Secretary for Fiscal Matters (SEAF – Secretário de Estado dos Assuntos Fiscais). According to this, PDF invoices without a QES would be accepted until 31 March 2021 and considered electronic invoices for all fiscal purposes. Since then, the mandate has been postponed four additional times, with the last one taking place on 26 May 2022, by Despacho n. 49/2022-XXIII of the SEAF. According to this act, PDF invoices with no specific security measures must be recognised as electronic invoices for fiscal effects until 31 December 2022, instead of the previously established date, 30 June 2022. Therefore, from 1 January 2023, taxpayers covered by Law Decree n. 28/2019 must comply with the requirement to ensure authenticity and integrity either by applying a Qualified Electronic Signature/Seal or by using “EDI by-the-book” (EDI under the European Model EDI Agreement). Besides the stricter authenticity and integrity requirement, taxpayers must be ready to comply with additional new invoicing mandates underway in Portugal. On 1 July 2022, it will be required to only use structured electronic invoices in CIUS-PT format for B2G transactions. The B2G mandatory e-invoicing is already under implementation through a phased roll-out. It is set to be finalised and become compulsory for small and medium companies and microenterprises on 1 July 2022. Furthermore, the inclusion of the ATCUD code on invoices and other fiscal relevant documents, which has also been previously postponed, is set to become mandatory on 1 January 2023. Need to ensure compliance with the latest e-invoicing requirements in Portugal? Get in touch with Sovos’ tax experts. Since becoming the first EU country to make electronic invoicing mandatory through a clearance process in 2019, Italy has kept a steady pace in improving its continuous transaction controls (CTC) system to close the gaps in VAT compliance. Over recent years, Italy has gradually expanded its system by introducing various mandates. The following changes reflect the government’s efforts to tie up loose ends and assert more far-reaching control mechanisms to achieve an efficient and well-rounded system. The changes listed below become effective on 1 July 2022, with some already available on a voluntary basis and others allowing a short grace period for adjustment. The retirement of the tax reporting scheme, Esterometro, will require Italian taxpayers to report all cross-border transactions through the Sistema di Interscambio (SDI). Since the clearance of cross-border invoices is not within the Italian CTC system’s scope, this is a clear step towards centralisation. Taxpayers may continue to exchange invoices in any agreed way, including the FatturaPA format. The reporting, however, must be done through the SDI using the FatturaPA format. This has been optional since January 2022. Italy has recently expanded the scope of its e-invoicing mandate bringing in new groups of taxpayers: A short grace period has been established from 1 July 2022 until 30 September 2022. During this period these taxpayers may issue e-invoices within the following month from when they carried out the transaction without any penalties being applied. The new mandate also states that microenterprises with revenues or fees up to €25,000 per year will be required to issue and clear e-invoices with the SDI, but this only starts in January 2024. Following the Italian CTC mandate, Italy and San Marino began negotiations to accommodate invoice exchange between the two countries through the more modern clearance-based system, which requires taxpayers to issue and clear e-invoices using the FatturaPA format. This was established by creating a “four-corner” model with the Italian SDI as the access point for Italian taxpayers and the HUB-SM platform as the SDI counterpart on San Marino’s side. The mandate covers the sale of goods shipped to San Marino for taxpayers who are residents, established or identified in Italy. For sales of goods to Italy, an e-invoice must be issued by the economic operators with identification attributed to them by the Republic of San Marino. A significant effect of this mandate is that the reporting obligations through Esterometro will come to an end. The voluntary transition phase started in October 2021. The start of the second semester of 2022 will bring significant changes, and taxpayers have limited time to conform as July approaches. Understanding how these new requirements can affect your company will ensure compliance and avoid unnecessary mistakes. Speak to our team if you have any questions about the latest e-invoicing requirements in Italy. Sovos has more than a decade of experience keeping clients up to date with e-invoicing mandates all over the world. Saudi Arabia´s e-invoicing system is being rolled out in two phases; the second phase’s requirements differ from the first phase. The first phase started as of 4 December 2021 for all resident taxable persons. The second phase will go live on 1 January 2023, and the impacted taxpayer group has not yet been announced. However, the Zakat, Tax and Customs Authority (ZATCA) has made considerable progress in kicking off phase 2. Phase 2 will introduce a Continuous Transaction Controls (CTC) regime in which e-invoices, electronic credit and debit notes will be transmitted to the ZATCA platform in real-time. A clearance regime is prescribed for B2B invoices, while B2C invoices must be reported to the tax authority platform within 24 hours of issuance. Therefore, ZATCA was expected to introduce its e-invoicing platform well in advance of the launch of phase 2. As expected, the ZATCA recently announced the launch of an E-Invoicing Developer Portal (Sandbox). Users will use the Sandbox to simulate the integration with ZATCA’s platform and can access details on the APIs and other requirements through this platform upon registration. ZATCA has proposed specific changes to e-invoicing rules. The proposed changes are under public consultation and interested parties may submit their feedback until 10 June 2022. The changes aim to clarify some requirements (e.g. Cryptographic Stamp, hash, counter etc.) rather than introducing new ones. The last clarifying changes to the e-invoicing rules are underway, and the developer portal has been launched. We’re now expecting ZATCA’s announcement of the taxpayer groups in the scope of the mandate and expect it to happen at least six months before the go-live date. As the ZATCA plans to roll out phase 2, there will be different timelines for different taxpayer groups. We expect this information within the coming months. Need to ensure compliance with the latest CTC requirements in Saudi Arabia? Get in touch with Sovos’ team of tax experts. In an effort to combat VAT fraud, Israel is undergoing a tax reform. Currently under an EU-based post-audit approach, Israeli authorities have announced their ambition to move towards the more Latin American-style of continuous transaction controls (CTCs) where invoices are approved prior to their issuance. The details of the proposed system, as well as a timeline for roll-out, have yet to be published. Israel is currently in the process of moving away from a post-audit approach to VAT. We expect to learn more about the details of the new CTC regime in the near future. Our experts continually monitor, interpret and codify complex legal and technical changes into our software solutions, keeping you up-to-date and reducing the compliance burden on your tax and IT teams. Learn how Sovos’ VAT solutions help companies stay compliant in Israel and around the world. Meet the Expert is our series of blogs where we share more about the team behind our innovative software and managed services. As a global organisation with indirect tax experts across all regions, our dedicated team are often the first to know about new regulatory changes and the latest developments on tax regimes across the world, to support you in your tax compliance. We spoke to Hooda Greig, compliance services manager about ways insurers can make the Insurance Premium Tax (IPT) process more efficient. I lead an IPT team that delivers compliance services in Europe. I oversee the day-to-day management and delivery of IPT compliance for an extensive portfolio of global clients. We are the first point of contact between Sovos and our clients. My focus is ensuring all tax requirements for the clients are met, that is filing and paying their liabilities to the various territories they are registered in. I also work closely with other departments within our company, particularly our consulting team to assist with more technical aspects of IPT compliance. Modernising the tax process will help insurers operate efficiently. There are still many insurers reliant on manual reporting methods for IPT. Strategic management of the end-to-end process is key to improving efficiencies, with a focus on managing risks by investing in digitization. Tax technology tools will make compliance for insurers simple, as will collaborating with tax teams with specialised IPT knowledge at a local level. My top tip to manage risk is the use of tax technology. Tax authorities are introducing more demanding reporting requirements and digitization of filing and reporting processes can result in efficiency, accuracy, and cost reductions. Efficiency, accuracy, and the costs of getting it wrong are concerns for insurers. The consequences of IPT non-compliance are not limited to statutory or legal penalties, the indirect costs to insurers are often more significant, the cost of correcting a mistake and non-compliance could also have an impact on the company’s reputation. Tax authorities are becoming more stringent in their reporting requirements. It’s important for insurers to work closely with a managed services team to help meet all their tax obligations and in preparation for future IPT requirements to ensure compliance now and in the future. To minimise risks, we’re seeing an increasing number of insurers looking to technology solutions to change the way they operate. Sovos’ mission is to solve tax for good and we specialise in tax technology and data analysis with specialised knowledge at a local level, ensuring insurers’ compliance requirements are met. Keeping abreast of all regulatory changes can be difficult, Sovos issues regular tax alerts, newsletters and hosts webinars to keep clients up to date with the latest IPT updates. Have questions about IPT compliance? Speak to our experts or download our e-book, Indirect Tax Rules for Insurance Across the World. It’s no surprise that inflation is on the forefront of everyone’s mind, with prices continuing to sky-rocket month by month. Data from the United Kingdom shows that the Consumer Prices Index (CPI) inflation jumped to a 40-year high of 9% in the past 12 months. Governments around the world are looking for ways to reduce the burden for consumers to keep global economies afloat. One method – implementing VAT rate cuts to certain goods and services – looks to be coming out on top as multiple countries around the world announced emergency budget sessions or introduced proposals to temporarily cut VAT rates. Temporary VAT rate cuts are generally quick and easy to implement, which is why they are favored by governments globally. These cuts essentially allow for a boost to the economy by providing consumers with an overall higher amount to spend, incentivizing consumers to spend now while rates are lower. As expected, many countries have already announced VAT rate cuts or measures to stimulate their economies: Additional countries such as Estonia, Netherlands, Latvia, Greece, and Turkey are also taking measures to implement VAT rate cuts to fight the ever-rising costs for consumers. These VAT rate cuts coincide with new measures passed recently by the European Commission allowing Member States to apply reduced rates to more items, including food. Though many Member States seem to be moving towards taking advantage of this new flexibility on VAT rate reductions, it’s expected that as costs continue to rise more Member States and countries around the world will introduce VAT rate cuts to ensure consumer spending doesn’t continue to trend downward. Since many audits seem to occur at random, it’s not always possible to identify the reason why a tax office would decide to initiate one. We’ve previously spoken about an increased interest in audits from the EU and audits for e-commerce. This article covers the most common reasons behind a VAT audit to help businesses anticipate and prepare for one when possible. There are specific “trigger” events among the most common reasons that could cause further queries from the tax office. Generally speaking, these are changes in the company’s status such as a new registration, a de-registration, or structural changes within the company. VAT refund requests also fall into this category. In some countries (Italy and Spain, for example) a refund request is almost certainly a reason for an audit to be initiated since the local tax office cannot release the funds before checks are completed. In this case, the likelihood of an audit increases when a refund is particularly substantial and the business requesting it is newly VAT registered. However, it doesn’t mean that the tax authority will not initiate an audit if the amount requested in a refund is relatively small. Certain types of businesses are naturally more subject to audits due to their structure and business model. Groups commonly selected for scrutiny include, for example, large companies, exporters, retailers and dealers in high-volume goods. Therefore, elements such as a high number of transactions, high amounts involved and complexity of the business structure could be another common reason for an investigation to be initiated by the local tax authorities. Tax authorities often identify individual taxpayers based on past compliance and how their information compares with specific risk parameters. This would include comparing previous data and trading patterns with other businesses in the same sector. Therefore, unusual patterns of trading, discrepancies between input and output VAT reported, and many refund requests may appear unusual from the tax office perspective and give rise to questions. Another common reason for the tax authorities to request further information from taxpayers is the so-called “cross check of activities”. In this case, either a business supplier or client is likely to be subjected to an audit. The tax office will contact their counterparts to verify that the information provided is consistent on both sides. For example, if a business is being audited following its refund request, the tax office will likely contact the suppliers to verify the audited company didn’t cancel the purchase invoices and that they have been paid. This category also includes cross checking activities on Intra-Community transactions reported by a business. In this scenario, the cross check would be based on information exchanges between local tax authorities through the VAT information exchange system (VIES). The tax authorities can check Intra-Community transactions reported to and from specific VAT numbers in each EU Member State and then cross check this information with what has been reported by a business on their respective VAT return. If any discrepancy arises, the tax office will likely contact the business to ask why they have (or haven’t) reported the transactions declared by their counterparts. As we’ve already seen in an earlier article, audit triggers are also influenced by changes in legislation or shifts in the tax authorities’ attention to specific business sectors. Regardless of whether it’s possible to identify the actual reason the tax authority initiated an audit, a business can undertake several actions in preparation for a check of activities, which will be covered in the next article of this series. Romania is introducing a mandatory e-transport system from 1 July 2022 to monitor the transport of certain goods in the national territory, an initiative that will operate in parallel with the newly launched continuous transaction controls (CTCs) system for e-invoicing. This means that in a little over a month’s time, the issuance of an e-transport document will be mandatory for transportation of certain goods within Romania. In this blog, you will find answers to frequently asked questions related to this new system. The Romanian e-transport system monitors the transport of goods on the national territory categorised as high risk from a fiscal perspective. This includes the following: In addition to the transportation type, the categories of road vehicles in scope were recently published in a draft order by the National Agency for Fiscal Administration (ANAF) as follows: The transportation of high fiscal risk goods will not be declared in Romania’s e-transport system if the transportation doesn’t fall within the scope described above. ANAF had already established a list of high fiscal risk products and used the same criteria to determine the scope of the e-invoicing system (E-Factura). Although that list partially overlaps with the list for the e-transport system, there are differences. The product categories of high fiscal risk products for the e-transport system are as follows: If the transportation includes both goods with high fiscal risk and other goods that aren’t in the category of high fiscal risk, the whole transportation must be declared in the Romanian e-transport system. It will be operational through the Virtual Private Space (SPV), which is the tax authority portal used for tax purposes, including the Romanian e-invoicing system. The system can either be used through API or through a free application provided by the Ministry of Finance. According to the regulation, taxpayers will declare the transportation by transmitting an XML file in the e-transport system a maximum of three calendar days before the start of the transport, in advance of the movement of goods from one location to another. Following the transmission, the system will perform some checks (structure, syntax, and semantics), and the Ministry of Finance will apply its signature confirming receipt of the declaration. The system will generate a unique code (ITU code) if the XML file complies with the requirements and make it available to the taxpayer in a zip archive file with the signature of the Ministry of Finance. This code must accompany the goods in physical or electronic format with the transport document to enable the competent authorities to verify the declaration and the goods while enroute. The ITU code is valid for five calendar days, starting with the date declared when the transport begins. It’s prohibited to use the ITU code once it has expired. The declaration will include the following: Noncompliance with the rules relating to the e-transport system will result in a fine reaching Leu 50,000 (approx. €10,000) for individuals and Leu 100,000 (approx. €20,000) for legal persons. In addition, the value of undeclared goods will be confiscated. What happens next? Most of the regulations have been finalised although the approval process of the recently published draft order, technical documentation, APIs, and the e-transport system website are not yet available to taxpayers. As the system is currently due to become mandatory on 1 July 2022, businesses in Romania need to either prepare for last-minute implementation once the outstanding documentation is published or expect a postponement. Continuing our series on VAT audits, we take a closer look at the trends we’ve seen emerging in the activities of the EU Member States’ independent tax administrations throughout the European Union. In a recent report from the European Commission (EC) specific guidelines were published not only on best practices but also on how EU Member States can harmonise the focus of their VAT audit projects. We’ve seen a significant shift away from scrutiny of historically complex businesses in sectors such as automotive and chemicals to the other sectors such as online retailers and distance selling. The report released by the EC in April noted that there should be a conscious effort from the local tax authorities to increase the efficiency of audit practices and outcomes, by indicating how complex projects can be directed to solve industry specific issues. Speaking about EU Member States they noted: “They should also put in place more complex audit projects (for specific groups of taxpayers, an industry or a line of business such as retail, to address a particular risk or to establish the degree of non-compliance in a particular sector) and perform comprehensive audits and fraud investigations.” We’ve seen this already happening in some countries, such as the Netherlands and Germany, with a greater shift towards auditing of previously neglected companies in the e-commerce industry as a result of Brexit and the E-commerce VAT Package implemented in July 2021. Our own audit team here at Sovos has seen a 45% increase in audits opened on our e-commerce clients in the second half of the year – driven both by changing activity post-Brexit and the One-Stop-Shop (OSS) regime commencing. Looking in more detail at different tax administrations’ approach to auditing, we’ve observed a greater focus in VAT refund audits in the Netherlands, whilst Germany has scrutinised e-commerce retailers on more specific matters. These polarisations both reflect the individual interests of EU Member States and also the activities of the businesses operating across the EU, but it’s clear that the tax administrations in all countries are taking note of the importance of conducting audits to close the VAT gap. It’s recommended to involve administrative agencies and governmental bodies to assist with the more complex audit projects embarked upon by EU Member States. With changes to how goods move cross-border between the United Kingdom and the EU taking centre stage in 2021 there has been an increased importance placed on the information transfer between customs offices and their tax administration counterparts. As mentioned earlier, the implementation of the OSS regime has led to a greater shift in the reporting of e-commerce businesses operating in the EU and the impact on the audit process is yet to be revealed. It’s clear that the major shifts in the VAT landscape in 2021 created a different set of challenges for businesses and tax administrations but encouraging accurate record keeping is still a central goal of most EU Member States. In our next article in this VAT audit series we’ll explore the common triggers of a VAT audit. Need help ensuring compliance ahead of a VAT audit? Get in touch to discuss your VAT compliance needs. France is known for its challenging Insurance Premium Tax (IPT) filing system. Understanding which tax authorities you need to register with, file with and talk to when you have questions is essential to meeting your business’s IPT compliance obligations. In this blog, we identify France’s IPT tax authorities and explain what makes IPT so different in this European country. There are three different tax bodies in France in charge of collecting IPT. They are the Business Tax Department (Service des Impôts des Entreprises) (SIE), the Compulsory Damage Insurance Guarantee Fund (Fonds de Garantie des Assurances Obligatoires de Dommages) (FGaO), and the Union for the Collection of Social Security Contributions and Family Allowances (Union de Recouvrement des Cotisations de Sécurité sociale et D’allocations Familiales) (URSSAF). Dealing with France’s tax authorities can be challenging, especially once an insurance company obtains authorisation from the Prudential Control and Resolution Authority (Autorite de Controle Prudentiel et de Resolution) (ACPR). Have questions about IPT compliance? Speak to our experts or download our e-book, Indirect Tax Rules for Insurance Across the World. In a recent blog, we considered the upcoming changes to the VAT treatment of virtual events. Today, we will consider some of the issues that may arise. Many hosts currently use the available educational or fundraising exemptions, especially where the delegates are private individuals without the right of deduction, e.g., doctors. For events with physical attendance the host must consider the rules of the Member State where the event is held since that is where the VAT is due. Under the new rules, a VAT exemption will be less relevant for B2B virtual events where the reverse charge applies as the attendee assesses the charge to tax themselves. However, it will remain relevant where delegates are unable to apply the reverse charge and unable to deduct the VAT charged – e.g. doctors. In such circumstances VAT is due where the doctor normally resides and that is where the exemption must be considered. These new rules may require the host to assess the availability of the exemption in several Member States and may also require multiple ruling requests to be submitted. This is likely to increase operating costs substantially, and the (unintended) consequence could be that exemptions are not considered to the detriment of delegates. Many future events are likely to include virtual attendees since it increases overall attendance at an event, requiring the host to manage two invoicing regimes. There could be issues where one taxpayer has both physical and virtual attendees. In this case, the host will need to issue two invoices – one with local VAT for the physical attendance (and where the exemption may apply) and one where VAT is due in the customer’s Member State and the general reverse charge may apply. The attendance of B2C delegates will further increase this complexity for the host. What happens if a delegate is invoiced for physical attendance, but changes to virtual attendance at the last minute? When the host provides the login details for virtual attendance, this may change the place of supply. If the place of supply changes, the host must cancel the original invoice and issue a new invoice with the amended VAT treatment. Where a host currently holds an event with virtual admission for non-taxable EU delegates (e.g. doctors) then the place of supply is where the supplier is established. For a host established outside the EU, no EU VAT is due (ignoring the possibility of use and enjoyment), and it is also likely that no local VAT is due in the host’s own country. Implementation of the new rules will mean that the host must charge VAT in the Member State where the doctor normally resides. This will not only result in unrecoverable VAT for the doctor but will also increase the compliance costs of the host. Virtually attending such an event in 2025 may become significantly more expensive than in previous years. The article governing the transposition of these changes requires Member States to “adopt and publish” the necessary laws, regulations etc., by 31 December 2024. The changes will then apply from 1 January 2025. Member States must not break rank and apply these rules before this date. A situation where some Member States adopt and apply the rules early could lead to double taxation, particularly in B2C transactions. Once the rules are in force on 1 January 2025, several issues could arise. What happens for an event in January 2025 where delegates must pay for admission ahead of time in 2024? Where is VAT accounted for, and under which rules? For B2B, there should be no issue since the service remains a general rule, but there is a real issue for non-taxable delegates, e.g. doctors. For example, a US host holds an event where a German doctor will attend virtually. The event is in January 2025, but the delegate must pay the admission fee by 30 November 2024 to secure a place. Under current rules, applicable in 2024, the place of supply is where the supplier is established, so no VAT is due on the invoice. But when the event happens in January 2025, the new rules say that German VAT is due. The time of supply rules are not affected by these changes but could a tax authority seek to change these to increase its tax revenue? For example, Greek VAT law says that the tax point is when the event takes place – not when the invoice is issued/payment received. So, in the above example, Greek VAT would be due for a Greek B2C delegate. When considering the taxation of virtual events, the new rules state that in view of the digital transformation of the economy, it should be possible for Member States to provide the same treatment of live-streamed activities, including events, as those which are eligible for reduced rates when attended in person. To enable this, the annex detailing which services can benefit from a reduced rate will be amended to include admission to: This change means that events that are live streamed can benefit from a reduced VAT rate. Though the changes to the place of supply rules refer to “virtual attendance” for B2B and “streamed or made virtually available” for B2C. Are we to assume that “virtual attendance” = “live streamed”? But “streaming” can be live or recorded. Do these changes also cause an issue for VAT rate determination? If a delegate watches an event live, then a reduced rate is possible. If the same event is watched via downloading a recording later, then the reduced rate is not possible. If one fee gives a delegate the right to attend the event virtually and download the event for future reference, then the concept of a mixed supply may be relevant. A recent report released by the European Commission has stressed the need for Member States to increase the number of audits they undertake, particularly in e-commerce businesses. The European Commission specifically highlighted the need for Malta, Austria and France to make additional efforts to improve their value-added tax audit practices. They highlighted the seriousness of the issue and that the consequences of inaccurate VAT reporting can be severe. VAT audits, therefore, promote accurate reporting and mitigate fraud, and as such, they are being encouraged by the Commission. The European Commission specifically stated that tax authorities should have a strategic approach which must observe multiple elements, including: The report notes some of the positive actions taken by Member States. Generally, they pay close attention to the audit process, with Finland and Sweden highlighted as particularly good. Furthermore, the report notes that some Member States have established special “VAT task forces” to deal with audits. Following this report, the European Commission also announced that Norway should be authorised to participate in joint audits with their counterparts in the EU as a further measure to crack down on fraud. E-commerce is a good example of an area that continues to grow, with the VAT stake ever increasing. With tax authorities globally struggling to keep pace with new technology and consumer offerings, local tax authorities are implementing further measures to ensure that fraud is combatted at an EU-wide level. Whether further changes occur through a difference in how VAT is reported or new forms of reporting such as continuous transaction controls (CTCs) that are in place in some Member States already, VAT audits are at the heart of this strategic plan. In this report, the European Commission has clarified that the approach and scope of audits should be extended. With increased Member States co-operation and new measures adopted by the European Commission, such as the implementing regulation that provides details on how payment providers should start providing harmonised data to tax authorities from 2024, businesses should ensure that they have adequate controls in place to be able to handle any audit request. Future blogs in this series will focus on the audit trends we’ve noticed at Sovos and how businesses should prepare for an audit. For more information about how Sovos’ VAT Managed Services can help ease your business’s VAT compliance burden, contact our team today. The Belgian taxation landscape can be challenging for insurers if they are not well versed in the rules and requirements for ongoing compliance. Belgium ranks as one of the somewhat trickier countries to deal with in the Insurance Premium Tax (IPT) sphere with a plethora of different taxes due dependant on the class of business as well as IPT prepayment requirements. There are two different tax bodies Belgium insurers should be aware of: the Service Public Fédéral Finances which covers IPT and the National Institute for Health & Disability (INAMI) which covers a vast range of parafiscal charges. The standard rate of IPT in Belgium is 9.25% which is due on the total amount paid by the policyholder to obtain cover, inclusive of any third-party fees. Goods in Transit risks as well as specific motor risks are subject to a different rate, whilst certain life cover can also have varying rates. The tax point is the date which triggers the tax, and in Belgium for all taxes it is triggered on the maturity date. This is formally defined as the contractual date when the policyholder pays the premium to the insurer. Something which sometimes causes issues for insurers is the existence and application of the Belgian prepayment. The prepayment is based on the IPT figures for the October declaration and is due by 15 December. Similarly to the Italian prepayment the rate stands at 100% but that is where the similarities end. Initially prepayment was only allowed to be offset against the IPT liabilities in the December declaration. However, we did experience some issues in receiving monies from the tax authority where the December liability exceeded the prepayment, thus resulting in a reclaim due. In 2021 an exercise was undertaken whereby insurers were able to offset any excess prepayment not received in the previous four years against current IPT liabilities. In 2022 insurers have been able to utilise the prepayment up until the March declaration i.e four periods in total (December-March), thereafter if there is any prepayment remaining, in theory a reclaim should be received. In certain circumstances an exemption was granted to not pay the prepayment. This was often with Captive insurers where they were paying liabilities solely in October on a yearly basis and didn’t expect any further liabilities until the following October. Such exemptions were negotiated directly with the tax office. To ease the burden for insurers covering solely life insurance, such coverage is exempt from IPT prepayment. There are seven different taxes covered by INAMI, five of which are due monthly, these are: Taxes are due on certain motor and motor liability risks dependant on what the contract is covering, with the exception of fire. Some insurance policies are taxed with an element charged to the insured and an element charged to the insurer. Fire risk is the most common parafiscal we see from the above and care should be taken in its application. Unlike other countries where the fire element percentage is largely determined by the insurer and the scope of the contract, fire risks in Belgium must be apportioned according to a predetermined set rate. The hospitalisation INAMI charge is due on a biannual basis for ‘Sickness – Pre & Post Hospitalisation Costs’ on an individual and group level. For the charge to apply the insured must receive the benefits of Belgian healthcare insurance (not applicable to doctors, dentists, optician’s fees etc). The applicable rate is 10% on the taxable premium unless the insured’s benefit is less than EUR 12.39 per day, in which case a de minimis limit exemption applies. Finally, we have the Security Fund for Fire & Explosion due annually, which is currently 3% on the taxable premium. This applies on compulsory liability insurance for fire and explosion in premises open to the public. Navigating the rules and requirements in Belgium can be demanding for even the most experienced insurer. Sovos has a dedicated team of compliance experts to walk you through even the most challenging problems and ensure you are on the right compliance path. Eastern European countries are taking new steps concerning the implementation of continuous transaction controls (CTC) systems to reduce the VAT gap and combat tax fraud. This blog provides you with information on the latest developments in several Eastern European countries that may further shape the establishment of CTC systems in other European countries and beyond. Previously announced on 1 January 2022, taxpayers have been able to issue structured invoices (e-invoices) using Poland’s National e-Invoicing System (KSeF) voluntarily, meaning electronic and paper forms are still acceptable in parallel. On 30 March 2022, the European Commission announced the derogatory decision from Article 218 and Article 232 of Directive 2006/112/EC. The decision will apply from 1 April 2023 until 31 March 2026, after receiving the last approval from the EU Council. Moreover, on 7 April 2022, the Ministry of Finance published the test version of the KSeF taxpayer application that enabled the management of authorisations issuing and receiving invoices from KSeF. The mandatory phase of the mandate is expected to begin the second quarter of 2023, 1 April 2023. The Romanian CTC system is one of the fastest developing in Eastern Europe, with the E-Factura system being available for B2G transactions since November 2021. Based on the Government Emergency Ordinance no. 41, published in the official gazette on 11 April 2022, the use of the system will become mandatory for transporting high fiscal risk goods domestically as of July 2022. Moreover, Draft Law on the approval of the Government Emergency Ordinance no. 120/2021 on the administration, operation, and implementation of the national e-invoicing system (Draft Law) on 20 April 2022 was published by The Romanian Chamber of Deputies. According to the Draft Law, the National Agency for Fiscal Administration (ANAF) will issue an order in 30 days following the derogation decision from EU VAT Directive and establish the scope and the timeline of the B2B e-invoicing mandate. As derived from the proposed amendments, B2G e-invoicing will become mandatory as of 1 July 2022, and mandatory e-invoicing for all B2B transactions is in the pipeline. Serbia has introduced a CTC platform called Sistem E-Faktura (SEF) and an additional system to help taxpayers with the processing and storage of invoices called the Sistem za Upravljanje Fakturama (SUF). To start using the CTC system Sistem E-Faktura (SEF) provided by the Serbian Ministry of Finance, a taxpayer must register through the dedicated portal: eID.gov.rs. SEF is a clearance portal for sending, receiving, capturing, processing and storing structured electronic invoices. The recipient must accept or reject an invoice within fifteen days from the day of receipt of the electronic invoice. The CTC system became mandatory on 1 May 2022 for the B2G sector, where all suppliers in the public sector must send invoices electronically. The Serbian government must be able to receive and store them from 1 July 2022. Additionally, all taxpayers will be obliged to receive and store e-invoices, and from 1 January 2023, all taxpayers must issue B2B e-invoices. The Slovakian government announced its CTC system called Electronic Invoice Information System (IS EFA, Informačný systém elektronickej fakturácie) in 2021 through draft legislation. The CTC e-invoicing covers B2G, B2B and B2C transactions and will be conducted via the electronic invoicing information system (IS EFA). The official legislation regulating the e-invoicing system has not been published yet although it is expected to be published soon. However, the Ministry of Finance has recently posted new dates concerning the implementation of the electronic solution: The second phase will follow for B2B and B2C transactions. Slovenia has not progressed in introducing its CTC system. Due to the national elections in April 2022, the CTC reform was not expected to gain much traction until at least the summer of 2022. Nevertheless, there are still ongoing discussions around the CTC reform, which intensified soon after the Slovenian parliamentary elections. The fast pace of the developments happening within Eastern European countries brings challenges. The lack of clarity and last-minute changes makes it even harder for taxpayers to stay compliant in these jurisdictions. Staying compliant with CTC changes throughout Eastern Europe is easier with help from Sovos’ team of VAT experts. Get in touch or download the 13th Annual Trends report to keep up with the changing regulatory landscape. Events and conferences typically take a long time to organise and in the early part of 2020 several events that were scheduled to take place were impossible because of the various Covid-19 restrictions. Looking at a loss of revenue, and not knowing how long restrictions would last, many hosts went online and hosted virtual events. This changed both the nature and the place of the supply. Where there is physical attendance at an event then the place of supply is the place where the event takes place for all delegates. For B2B delegates the current rules mean that virtual admission will be classified as a general rule service so VAT is due where the customer is established. For B2C delegates the current rules depend on whether the virtual attendance can be considered an electronically delivered service or a general rule service. For electronically delivered services supplied the place of supply is where the customer normally resides and for other services the place of supply is where the supplier is established. An electronically delivered service is one which can be delivered without any human intervention such as downloading and watching a pre-recorded presentation. Where a service requires human intervention, this is not considered to be electronically delivered. Online conferences and events typically have a host or compere and will normally also allow delegates to ask questions in real-time via live chat or similar. The human dimension excludes the possibility of this being classified as an electronically delivered service which means that for B2B the place of supply is where the customer is established and for B2C the place of supply is where the host is established. The changes are being introduced to ensure taxation in the Member State of consumption. To achieve this, it is necessary for all services that can be supplied to a customer by electronic means to be taxable at the place where the customer is established, has his permanent address or usually resides. This means that it is necessary to modify the rules governing the place of supply of services relating to such activities. The changes apply to “services that can be supplied by electronic means” but this is not defined. It would appear, from the following to be wider than “electronically delivered”. To achieve this the current law governing attendance by B2B delegates which results in VAT being due where the event is held will specifically exclude admission where the attendance is virtual. This suggests that “supplied to a customer by electronic means” occurs when attendance is virtual and has the effect of removing the distinction of “human intervention” in respect of electronically delivered services. The law governing B2C sales will state that where activities are “streamed or otherwise made virtually available”, the place of supply is where the customer is established. These changes suggest that “supplied to a customer by electronic means” occurs when the service is streamed or made virtually available. The possibility of streaming (which can be live or recorded) does not appear in the amendment to the B2B rule. The law governing Use and Enjoyment has also been updated to reflect these additions. For events that are attended virtually the place of supply for both B2B and B2C will be where the customer is established, although this can be amended by application of the Use and Enjoyment rules. For B2B attendees, the host will not charge local VAT as the reverse charge will apply unless the host and attendee are established in the same Member State. For B2C attendees the host will charge local VAT according to the location of the attendee. The Union and non-Union OSS will be available to assist reporting where the attendee is in the EU. Member States are required to adopt and publish the required laws, regulations and administrative provisions by 31 December 2024 and must apply these from 1 January 2025. In our next blog we will consider some practical issues that may arise from these changes and how they impact VAT compliance.

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Set goals and save for them Once you’ve set your goals, start saving for them to pay for your future purchases in cash and not take on any debt. 1. List your goals and determine how much you need to save for them. This includes your next car, vacation, furniture, kid’s college, etc. Listing your goals within a budgeting tool helps you track your progress and see the amount you’ll need to save for each goal.Learn More About Goals and Budgets Setup Goals and Budgets Goal Savings Calculator This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the provider, CalcXML, assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results. WeddingAverage $182 per guest CollegeAverage $25,900 for in-state VacationAverage $1,145 per person New RoofAverage $7,995 to replace 2. Open a savings account. Separate your emergency savings from your goals-based savings to know when you’ll use funds for specific purchases and planned events.Learn More About Our Savings Options To open a Savings account now, simply choose Apply Now at the top of this page and select Deposit Account. 3. Rename your accounts. Put a name to your savings account like, “My Next Car” or “Our Wedding.” This will keep your momentum going by having a visual of what you’re working towards alongside your expenses.How to Rename Accounts Select My Settings in the top right corner and then select Rename & Hide Your Accounts. Set goals and save for them - Milestone 6 “I made my dream of going to Greece and Italy a reality. I worked overtime and took on a second job to make it happen. It was amazing. I used my FAIRWINDS account as my vacation account. It was so inspiring to see the money increase until I had enough to go on this once in a lifetime trip. I am single, lived alone and had a basic income. I was able to save by only spending on essentials and focusing on my end goal.” Yvonne — Orlando, FL

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It’s easy to think about a financial plan and consider the elements that typically go into it. For instance, we could picture a plan that consists of a retirement savings product, life and health insurance, investment portfolios, and maybe a few things like trusts, wills and estate plans. Or, we could think about what a financial plan can help us avoid, and help us achieve. When we think of our financial plan in terms of the products that comprise the overall portfolio, we risk becoming detached from our financial plan. For most of us, products are not interesting, and some of us find them intangible and boring. But – when we think of how these products can help us, or why we might choose them in the first place, we can increase our level of enthusiasm and engagement. This is when our financial plan starts to become a life-financial plan. When life gets complicated, busy and full of stuff, we can quickly find ourselves with no direction or exit strategy – even if we have managed to save up lots of money and build what we perceive to be a successful life. Life’s complexities make things messy, and through the ensuing stress and lack of quality time, we can miss obvious areas where we aren’t transferring business or work success into personal wealth and health. Spending quality time with people we love, engaging in downtime, and practising self-care are all important to our overall wellbeing and should be part of a better financial planning process. There are also risks to consider and provide protection for, from income protection to health care provision. It’s not so much about the products we choose, but about the people and lifestyle that we choose to protect and provide for. A better financial plan can help us consider risks and avoid them, and it can also help us achieve more in life as we integrate it with our daily choices. We can work towards things like 4-day work weeks, annual or quarterly holidays, or paying down debt to become less reliant on credit. Inside of a financial plan that considers the people, the lives and the relationships – we can have complete peace of mind and confidence. Financial planning is not just about ticking boxes or trying to keep up with the Joneses; it’s about changing lives. We can only do this with better conversations when we sit down to work on financial plans, conversations that help us achieve and live the life we want with the money we have.

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Gordon Stein – Personal Finance Speaker I am an international personal finance speaker, author and blogger on a mission to help everyone attain financial wellness. North Americans are struggling with high levels of personal debt and higher levels of stress about money. Their financial worries affect their sleep, their job performance, their marriages and their mental health. I want to fix that. How did we get here? Credit is easy, and powerful marketing machines stretch peoples’ spending out of control. Their personal debt rises, and many end up living for the next pay check. Some avoid looking at their finances and hope things will improve. Others tussle with budgets every month and spend their time arguing about money and worrying about bills as they fall further behind. I find that this is true of those earning $50,000 a year as well as those earning $500,000 a year. It is heartbreaking and totally unnecessary. An easier way to end financial stress I found a simpler and more powerful approach. Easy ways to dramatically reduce spending with minimal effort and sacrifice. A simple way to see progress that you can do on a cocktail napkin. An easy step-by-step path to build wealth on autopilot, where bills are paid automatically and your financial future is much more secure. Applying these ideas can help you double or triple your wealth over your career. With no budgets, no hassles and no BS. Cashflow Cookbook includes more than $13,000 of monthly savings ideas. Yes, monthly! Will all of them work for you? Unlikely. But finding just a few can free up hundreds of dollars a month. Imagine what you could do with an extra $500 or $1,000 each month? Enjoy a vacation, give some to charity or just reduce your monthly financial stress. Applied to debt reduction or investment, that money can set you up to attain financial freedom, start your own business or fund a college education for your children. Your money works for you instead of the other way around. Best of all these are simple, clearly explained ideas. Ones that you can start on today. A new path to financial wellness Cashflow Cookbook is my way to give back. A way to help people feel joyful about their money and stop paying inflated prices for products and services that they use every day. Start putting that money where it belongs…in YOUR pocket. These money saving ideas can also help financial firms enable their clients to build more wealth, to help organizations improve the financial wellness of their employees and to help young people get started financially. In between events as a personal finance speaker, I am a proud dad, skier, sailor, gym rat, investor, and not yet great (or even good) guitar player. Enjoy the book, the blog, and the community. © Brookside Wealth LLC

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Do you dread when tax season comes around? It could take you many hours and even days if you decide to prepare your taxes yourself, as it depends on how you file and what files you’re using. According to the IRS, it can take about 13 hours for the average taxpayer to do their return, including record keeping, tax planning, and form submission. You might want to save time and hire an accountant, but these services can be expensive and the time saved could be significant, so you might be able to point out discrepancies so you could get a refund, or in the worst-case scenario, you owe the IRS money. Either way, you may want to know the role of an accountant regarding your taxes so you can determine if you could do it yourself or not. Read on to find out what precisely an accountant does and ways you could make the process easier for yourself. What Does An Accountant Do With Tax? When filing your taxes, an accountant will help you fill out your tax forms correctly and advise you about future financial moves that can affect your taxes. They will also file taxes with the appropriate documentation electronically so that you receive any refunds as quickly as possible. If you’re audited, an accountant can help you here as well. They can handle the audit for you to ensure that you get through the process unscathed. As tax season can be a stressful time in the accounting world, you can make this easier if you decide to use an accountant by ensuring you provide the correct documentation to avoid wasting time and paying penalty fees. Considering that accountants earn on average $58,515, this passes the threshold of $12,550 a year if they are single, and it rises to $25,100 if married and filing jointly. You could assume that an accountant will find filing their taxes a breeze seeing there are electronic ways of filing taxes that keep everything organized. Certain accounting firms also offer discounts for their employees, making it much easier, but knowing that accounting doesn’t always have a direct link with taxation but is a legal requirement in matters of tax can give you some indication of its importance in practice. What If I Do My Taxes Myself? Most people probably go for this method because they may not see the need for an accountant, and they can save an hourly rate for filing federal or state tax returns of $180 and $174 for other tax services. Over the last decade, there has been an increase in accounting software and services that can make your filing more simple and automated. These services have also been extended to business owners to balance the books so you can keep an eye on your outgoings and expenses. Alternatively, you can go to the IRS website, where you can electronically prepare and file your federal individual income tax return for free using tax preparation and filing software. You can choose between guided tax preparation, where some tax preparation or filing is free and fillable forms available for any income level. The only drawback with the fillable forms is that you don’t get any preparation guidance, and limited calculations are provided, so it’s a very do-it-yourself way of filing but can be useful for people with simple financial circumstances. Do I Need An Accountant? The only reason that most people pay for an accountant is because their taxes are complicated due to their general living circumstances. If your tax situation hasn’t changed in the last year, you’re single, you don’t have children, you work for an employer, or you don’t own any property, you may not need an accountant. It makes a lot of sense to hire one if you’re self-employed or own a business because they can prevent you from making costly mistakes and can help determine how much you should pay in quarterly estimated tax payments going forward, so you’re not faced with a big tax bill at filing time. If you’ve happened to fail to file taxes in the past or you owe unpaid taxes to the IRS, a tax accountant can help you file several years’ worth of tax returns and will know about the programs offered by the IRS for people in this situation. Some Tips For Filing Taxes Below are some tips that can help you break down the process one step at a time, and who knows, you might avoid some pitfalls and take advantage of money-saving opportunities. - Keep an eye on your income- If you’re employed, look out for your pay stub for the year-to-date income. Remember to include income from other sources like money you make if you have any investments, interest, or things you’ve sold. - Save the correct paperwork throughout the year- You’ll want to keep receipts for things like work-related expenses and medical bills, student loans, or investments and keep records for at least three years. - Keep a lookout for your income documents to arrive- You should receive forms about how much income you’ve earned from your employers and other income sources in January or February. You want to ensure you receive the correct forms as this could delay the process if incorrect. So now you know what an accountant can do for you, hopefully the decision you make as any tax season approaches is easier for you, and you can rest easy as long as you file them as early as possible. For a general outline, taxes for most are due around April time to pay any taxes owed but to file your return, you can request an extension that goes beyond the April deadline. If you happen to owe a balance to the IRS, you may want to consider filing your taxes as soon as possible as you can file your taxes as early as mid-January, but you don’t have to pay until that April deadline. The best tip here is to keep on top of any changes to your financial situation over the past year, and if you’re still unsure whether to hire an accountant is to speak to one. Some accounting firms can look at your tax situation and offer their advice, but be aware that they may require a flat or hourly fee if your situation is complex and they have to take longer to look into it.

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WELCOME TO AMERICAN FINANCE COUNCIL Did you know that only 5 out of 100 Americans above the age of 65 are financially indepedent? That means 95% of Americans above the age of retire needs to rely on someone to provide them wih the basic income required to live. We at the American Finance Council aim to increase this figure so that the vast majority of Americans will be able to retire and actually live life to the fullest, rather than subsist on government handouts or other benefits to survive. Our goal is to ensure that every American is able to retire with a financial nest egg that will provide a lot more than simply put food on the table. That is why we endeavour to give you the finance information and wealth creation advice that every American needs to know. What We Do HOW TO PROTECT YOUR FINANCE ASSETS We give you the correct advice so that you can manage your finances so that you'll be able to retire rich and not just above the poverty line. We ensure that you not only grow your wealth, but we make sure you keep what you have already accumulated. How We Can Help You Professional Expert Advice We have a team of experts in the fields of law, tax and the finance sector avaiable to give you customized and professional advice that you can trust and rely upon. Unbiased And Honest Information Unlike other institutions who receive funds and donations from major corporate interest groups, we are a 100% indepedent entity. This means the information that we give you is 100% unbiased and not "paid for" by a big bank. Years Of Industry Experience We have decades of experience working in the legal, financial and taxation fields. That means we know how the finance system works inside and out and will make sure it works for you. OUR FEATURED PRODUCT The only approved financial course recommended by the American Financial Council. This is the step by step system that will allow you safeguard your assets, but also show you the same strategies that investment bankers use to generate positive returns no matter what the market conditions are at the time.

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An insurance reinstatement cost assessment is used to calculate the potential cost to rebuild a property and provide a ‘day one reinstatement’ figure, also known as the declared value. It is essential for property owners to arrange regular assessments of their property to ensure that they are adequately insured in the event of a fire or other total loss event. How we can help Brio Building Consultancy can produce reinstatement cost assessments confirming the time and estimate of total reconstruction following destruction, or damage, by an insured risk. Accurate assessments are essential to ensure that the full extent of any loss is properly covered. How we work with you Our reports are concise and easy to navigate enabling us to provide a cost effective and prompt service whilst allowing you to access the information you need without unnecessary narrative. - Grade II Listed bank, Bognor Regis. - 1980s leisure centre, Truro. - Georgian townhouse, Queen Square, Bristol. - Bowling club, public conveniences and Grade II Listed bandstand, Swindon. I want to enquire about insurance reassessment cost assessments Great news! Please provide us with any of the following information so that we can start to build a picture of the property and prepare an accurate quote: - Property address. - Floor plans. - Gross internal area (GIA). - Previous Day One Declared Value.

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The cash flow statement shows changes in cash and cash equivalents less overdraft facilities during the financial year. A distinction is drawn between changes resulting from operating activities, investing activities and financing activities. The discontinued operations' cash flows from operating activities, investing activities and financing activities are reported separately from those of continuing operations in accordance with IFRS 5. During the financial year, these related to the BILLA Croatia discontinued operations (see note 5 "Divestitures"). The disclosures below relate to the cash flows of continuing operations. Cash Flow from Operating Activities During the period under review, the cash provided by operating activities decreased from 1,735.4 million euros to 1,300.2 million euros. The 435.2 million euro decrease resulted primarily from non-recurring income from central settlement following the revised European Court of Justice (ECJ) ruling in the previous year. Adjusted for this non-recurring effect from the previous year, which was reflected in not only results from continuing operations but also income taxes paid and interest received, cash flows from operating activities during the financial year were up year on year. Among other factors, a decrease in income taxes paid contributed to this development. Other non-cash transactions amounting to -11.4 million euros (previous year: -105.0 million euros) in the financial year related to, among other things, allowances on receivables and inventories as well as the recognition directly within equity of -2,1 million euros (previous year: -68.2 million euros) for the remeasurement of pensions and similar obligations. During the financial year, borrowing costs in the amount of 0.1 million euros (previous year: 0.0 million euros) were recognised. Cash Flow from Investing Activities The cash used in investing activities amounted to -1,903.5 million euros in the financial year, compared with -1,510.7 million euros in the previous year. The increase in cash used in investing activities is essentially attributable to the 277.4-million-euro increase in investments in intangible assets, property, plant and equipment, and investment properties. The proceeds from disposals of financial assets and companies accounted for using the equity method included an amount of 157.4 million euros (previous year: 156.1 million euros) that arose from the repayment of loans. Of this figure, 142.0 million euros (previous year: 114.5 million euros) related to loans to associates. In addition, loans granted to joint ventures, which amounted to 160.8 million euros (previous year: 112.5 million euros) and repayments of 171.2 million euros (previous year: 110.0 million euros) made in the course of the financial year led to outflows for purchases and proceeds from disposals of financial assets and equity-accounted companies. Investments in non-current assets amounted to 1,856.3 million euros, (previous year: 1,578.9 million euros). They related mainly to expansion investments in the store network and replacement and expansion investments at stores, warehouse locations and manufacturing companies. Under purchases of financial assets, an amount of 174.6 million euros (previous year: 131.7 million euros) related to loans granted. Of this figure, an amount of 152.3 million euros (previous year: 118.2 million euros) was granted to associates. Of the excess proceeds from business combinations and the acquisition of shares in consolidated companies amounting to 0.8 million euros (previous year: 18.2 million euros), 0.5 million euros was attributable to the first-time inclusion of REWE Dortmund SE & Co. KG, Dortmund, and 0.2 of that line item was attributable to the acquisition of GO VACATION AFRICA (PTY) LTD, Gauteng, South Africa. Of the payments for business combinations and the acquisition of shares in consolidated companies amounting to 56.8 million euros (previous year: 121.4 million euros), 41.2 million euros was attributable to the acquisition of store locations of the Kaiser's Tengelmann Group and the acquisition of REWE Berlin Logistik GmbH, Berlin. The final purchase price for the acquisition was 37.5 million euros. The difference between the purchase price and the preliminary payment is recognised as at the balance sheet date as a receivable from purchase price reimbursements. In addition, payments of 9.2 million euros and 6.3 million euros resulted from the acquisition of grocery stores in Italy and Russia, respectively. See also note 4 "Acquisitions". Cash Flow from Financing Activities The cash flow from financing activities was 619.7 million euros. Changes since the previous year amounting to 958.7 million euros resulted primarily from the utilisation of the syndicated loan of 650.0 million euros and the borrowing of short-term demand and time deposits amounting to 135.0 million euros, while a promissory note loan of 300.0 million euros was repaid in the previous year. By contrast, the repayment of lines of credit resulted in cash outflows of 125.0 million euros. In addition to the repayment of lines of credit, cash proceeds of 14.5 million euros (previous year: 25.2 million euros) and cash repayments of 34.7 million euros (previous year: 35.7 million euros) in relation to borrowings from affiliated companies and associates also contributed to the cash outflows from financing activities. In addition, loans from banks amounting to 88.2 million euros (previous year: 63.3 million euros) were raised during the financial year and 91.1 million euros (previous year: 153.2 million euros) of other loans were repaid. The payments from the change in non-controlling interests in the amount of 6.0 million euros (previous year: 9.5 million euros) include cash outflows for the acquisition of the remaining shares in the EXIM Group and Campina Verde Ecosol, S.L., Cordoba, Spain. For details on cash repayments of finance lease liabilities amounting to 46.9 million euros (previous year: 36.3 million euros), see note 24 "Leases". Liabilities from Financing Activities Liabilities from financing activities related in particular to loans and demand and time deposits from banks, promissory note loans and finance lease liabilities. In addition, the Group also had loans from affiliated, associated, related and joint entities. |in million €||2017||2016| |Other financial liabilities as at 1 Jan.||1,337.7||1,347.7| |Non-interest bearing financial liabilities||-69.1||-71.8| |Financial liabilities as at 1 Jan.||1,268.6||1,275.9| |Liabilities from operating intercompany transactions||-16.6||-11.4| |Other liabilities from operating activities||-6.1||-19.7| |Liabilities from financing activities as at 1 Jan.||1,203.9||1,208.6| |Net change in cash funds||634.1||-314.8| |of which cash proceeds from borrowings||825.6||249.5| |of which cash repayments of borrowings||-144.6||-528.0| |of which cash payments of finance lease liabilities||-46.9||-36.3| |Net change in non-cash funds||436.5||310.1| |of which additions from finance leases||280.6||189.5| |of which due to changes in the scope of consolidation||151.1||125.5| |of which due to currency translation||4.8||0.4| |of which due to reclassifications||-0.2||-5.2| |of which due to other changes||0.2||-0.1| |Liabilities from financing activities as at 31 Dec.||2,274.5||1,203.9| |Liabilities from operating intercompany transactions||19.0||16.6| |Other liabilities from operating activities||10.2||6.1| |Financial liabilities as at 31 Dec.||2,305.5||1,268.6| |Non-interest bearing financial liabilities||92.1||69.1| |Other financial liabilities as at 31 Dec.||2,397.6||1,337.7| Of the effects from changes to the scope of consolidation, 147.6 million euros (previous year: 125.1 million euros) was attributable to liabilities from finance leases.

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Personal finance involves the application of the basic foundations in personal finance. It is important that you know the proper way to budget, save, and spend your financial resources. Through personal finance, enormous debts or monetary issues can be avoided. Personal Finance Planning When people manage their finances, they consider financial risks and possible events when they make monetary decisions. Personal finance planning allows people to consider various ways of obtaining financial security such as obtaining savings or checking account, investing in stock markets, managing income tax payments, and settling credit card debts. Several areas make up personal finance planning. These areas should be addressed, so that people can prevent financial woes that can affect their standard of living. They need to make the right decisions when spending or investing. It is also essential that they take into account future events that will require them to have some cash or financial resources. The following are among the recommendations in planning personal finance. 1. Determine the financial position or situation. Effective personal finance planning involves the understanding of the monetary resources and net worth. Individuals should be aware of their net worth or the balance sheet that contains all the assets with deducted liabilities. They should also know the cash flow in the household, by deducting all possible expenses to the expected annual income. When they analyze their financial position, they can determine the time-frame when they will accomplish their personal goals. 2. Consider getting adequate protection from insurance. After individuals determine their financial situation, they should consider obtaining protection from emergencies and risks. The common risks include property, disability, death, health, and liability. They need to understand the type of coverage they should have for the insurance, as well as the payment terms for the policy. Those who have insurance can have adequate protection from risks, and they can also avail of tax benefits. 3. Manage income tax returns and avoid accumulating tax debts. It is necessary for individuals to determine the payment date and amount of the tax they need to settle. The government provides incentives such as tax deductions for those who pay their taxes according promptly. These benefits can be a great help to most households, and individuals can prevent severe burdens associated with tax debts. 4. Accumulate properties and make investments. Many people should also consider saving enough money, so they could acquire valuable items that can upgrade their standard of living. For instance, they should try to purchase their own house, start a business, save for retirement needs, and pay for education fees and other expenses. Before they invest on properties, they need to secure their finances. This way, they will not end up experiencing debts or financial problems after acquiring properties. 5. Save money for retirement needs. Aside from having short-term life savings, individuals should allocate funds for retirement and future needs. They can expect financial security and stability even when they are no longer employed, as long as they have accomplished their retirement plans. Personal finance can help individuals meet their current needs and prepare for future risks. They need to understand financial principles that can help them manage their resources and prevent monetary problems.

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Australian high-net-worth clients want to retain a fair degree of control over both their wealth and the manner in which it is invested, according to new research released this week by Brisbane-based firm Goodman Private Wealth Advisers. The research, undertaken by the Australian Centre for Philanthropy and Non-profit Studies (CPNS) at Queensland University of Technology (QUT), found that while high-net-worth investors were prepared to obtain the advice of specialists such as financial advisers, they nonetheless wanted to remain in control. The study found that the personal and financial needs of high-net-worth individuals were complex and therefore needed to be met by a range of financial advisers and planners, private bankers, investment advisers, stockbrokers and tax and estate lawyers. It found that while clients expected advisers’ financial and investment knowledge to be greater than their own, they also sought advisers who were genuinely interested in helping them and expressed a need for education to increase their own understanding and knowledge. The broad findings of the research were that: 1. high-net-worth individuals like to take responsibility for their financial affairs and like to maintain control, although their level of involvement may drop as they age; 2. they do not want to be told what to do, preferring to obtain expert input and guidance for their own decision making; 3. high-net-worth individuals are looking for advisory services that: * offer what they don’t know or can’t access quickly or cost-effectively; * put client needs and circumstances first. Active listening, responsiveness, and taking the time necessary to build a strong relationship are all critical components; * deliver value for money. They did not mind so much paying for great service, but the real value to them had to be very clear. 4. few were organised in their approach to charitable giving despite making donations and awareness of philanthropic options and benefits was low; 5. there was a need for wealth management advice and services from a family perspective, including intergenerational wealth preservation, ageing and aged care and philanthropy while maintaining family values and connections despite geographic spread; and 6. there was interest in the benefits of philanthropy to wealthy families as well as to the charities that needed funds.

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The start of the New Year is a great time to re-evaluate your finances and set some financial goals. There are so many benefits to setting financial goals. Creating personal short or long-term goals helps solidify your financial plan and allows you to evaluate your situation, helping you determine how you’ll spend and save your money. This will support better financial freedom and security. We talked about setting financial goals briefly in our October blog here when we explained the benefits of seeing a financial adviser. Now we want to give you six simple steps to help get you kicking those goals sooner. - Write your goals down. Having a visual helps you see where you are at and makes your goals tangible. You can share these with a partner or friend, stick them on your fridge or put them on your desk, this way you are seeing your goals every day, keeping you focused on them. Schedule in a review with your partner or friend for accountability and to help you celebrate your wins. - Make your goals specific. You’re not just saying, “I want to be better with money.” Having vague goals makes them harder to achieve as you’re never really sure if you’ve gotten there or not. An example of a specific goal might be “I’m going to get rid of my $10,000 credit card debt.” - Make your goals measurable. By making goals measurable and breaking them down into smaller portions you get a sense of achievement by accomplishing these smaller manageable parts. If your goal was to pay off your $10,000 credit card, you will be paying $192 per week. You can cross this off weekly to keep your momentum. - Make your goal reachable and realistic. Try not to compare yourself with other people, just because someone else you know is saving $500 per week, it doesn’t mean that goal will necessarily work for you. You may not have the financial capacity for that type of goal at this stage. Instead start with something that will stretch you, but won’t ruin you financially. Sometimes sitting down and working out your budget can help you set this amount. You will see where your money is going and how much you have left over, out of this left over amount, you can choose what to save and how often. - Give yourself “check in” dates and a finish date. Your deadline can be shared with your partner or friend and you can schedule regular “check ins” with them for a review and some encouragement. A deadline or finish date keeps you on target and can be more motivating. If you have no finish line, it’s easy to procrastinate and put off your goal for the next month. - Get some help. Don’t be afraid to ask for help. Sometimes it can be daunting even thinking about setting financial goals. If you are unsure on where to start, or what kind of goal will work best for your financial situation, we suggest you sit down with a financial adviser and get some professional advice. This step is especially important for mid-long term goals that involve investments or superannuation, the advice from a professional can be invaluable. While you may already have some financial goals in your head, it’s always best to start with short term goals. This ensures you don’t overwhelm yourself and try to achieve too many goals at once. We have a SMART goals worksheet you can download and print to help with this. It starts off with short term goals and examples (such as saving $100 per month) and moves through to mid-long term goals. These mid- long term goals can include bigger ticketed items, house deposits, investments and retirement planning. Financial goal setting is a great way to feel in control of your finances and plan for your future. We believe setting financial goals is best started earlier rather than later so you can achieve all that you would like to and be prepared for the unexpected. The earlier you start, the more time you have to grow your finances and potential financial freedom.

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All large Egyptian companies need to join the country’s e-invoicing system before July 2021. As of 2022 the requirement will be extended to all taxpayers. The timeliness of Egyptian e-invoicing Mandatory e-invoicing in Egypt is being introduced in stages. The first phase, from November 2020, covered 134 companies. In February 2021 an additional 347 businesses joined the system. From July 2021 all large Egyptian taxpayers will need to start using e-invoicing. By 2022 electronic invoicing will become mandatory for all companies operating in Egypt. It is also worth underlining that any businesses working with the government (B2G model) need to start using e-invoicing as of July 2021 at the latest, regardless of their size. Otherwise, they will no longer be allowed to trade with public bodies. The concept of Egyptian e-invoicing The model that Egyptian e-invoicing is based on is commonly known as the clearance model. This means that each invoice must be validated and approved by the tax authorities before it is sent to the customer. From a technical perspective the Egyptian e-invoice is a structured file in XML or JSON format. That is quite unusual but very welcome, as other similar developments rely solely either on XML (most often) or JSON. The transmission of XML/JSON invoices is done via the dedicated Application Programming Interface (API). API is an interface that facilitates communication between different pieces of software. For example, using so-called ‘calls’ it is possible to integrate taxpayer ERP with the government e-invoicing system. Particularly noteworthy is a technical aspect of electronic signature. Each Egyptian e-invoice has to be electronically signed using either a physical HSM (Hardware Security Model) device, or a USB token. The structure of Egyptian e-invoicing Apart from a standard set of information (such as seller and buyer data), Egyptian e-invoices need to contain the special product classification in line with Global Product Classification (GPC), which follows Global Standards 1 (GS1) definitions. While GPC codes are dedicated to goods only, it is also possible to use EGS standards to validate both goods and services. Taxpayers need to map internal commodity codes used in ERP to GPC. Importantly, tax authorities need to be informed no later than 15 days before a taxpayer uses a new code. Each issued and accepted invoice has a special UUID (Unique ID) number, which is assigned by the tax authorities and different from the internal invoice number. Reference to the UUID of the original invoice needs to be made in case of credit or debit note issuance. Selected nuances of Egyptian e-invoicing Although the following selected issues may not seem crucial from a development perspective, they need to be considered and agreed upon order to properly set-up relevant IT e-invoicing solutions. Primarily, it needs to be underlined that Egyptian e-invoices contain a lot of different codes and classifications. Apart from the aforementioned GPC/GS1 product classification, it is required to precisely define the tax type and subtype shown in a particular invoice, for example. There are 20 codes describing types of tax. For instance, T1 stands for VAT, T7 for entertainment tax, and T14 for stamping tax. Moreover, there are more than 50 tax subtype codes, including 9 subtypes valid only for T1 (VAT), including V001 for export, and V006 for exempt supplies to defence and national security bodies, for example. Such a detailed level of classification requires a lot of data mapping, from the ERP system to the e-invoice format. Mappings need to be preceded with a number of in-depth analysis performed by the taxpayer. Last but not least, Egyptian e-invoicing introduces an extremely high precision standard in showing values. Most of the fields in the Egyptian e-invoice are precise to five decimals. Usually, taxpayer ERP does not rely on such a high level of detail. Appropriate rounding needs to be discussed when transferring numbers from the ERP to required Egyptian e-invoicing standards.

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The 50-30-20 budgeting rule was popularized by US senator Elizabeth Warren and her daughter Amelia Warren Tyagi, in the book “All Your Worth”. It is meant to help you organize your financials around your needs, wants and investments. 50% of you income should go to needs such as rent, utility bills, grocery, shopping, transports, car fuel etc 30% of your net income should go to your wants or self-development needs. This is the layer that builds the body, mind and soul and includes spending on leisure, entertainment, tithe, financial support for friends and family, self-education, networking, industry association membership subscriptions etc. The spending in this part should help you become a better person and grow your social capital over time. 20% of your net income should go to savings and investments. Savings and investments will help you with your short-term and long-term goals such as starting a business, buying a car, building a house, retiring early etc. You should give priority to building an emergency fund which acts as a nest egg to help you manage any unforeseen circumstances that require financial intervention eg losing your phone etc. An emergency fund lays the foundation for long-term investing and helps you avoid getting into debt in case an emergency arises. It gives you peace of mind to be able to confidently save and invest for a better tomorrow. To keep on track you should ensure that you do not use more than 25% of your net income on paying debt. This is known as the debt to income ratio. Tracking helps us avoid using too much of our income to pay debt and protects us from falling into a debt trap. Of importance is also the house affordability ratio which refers to the portion of a household’s monthly income being used to pay for rent or mortgage. You should also keep this below 25%. “When your money is in balance, you will always have enough to pay your bills, have some fun and save for your dreams.”

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1. Preparation of a monthly budget We prepared a monthly budget on a spreadsheet and this helped us to track on our expenses. I ensured that I updated every single time that made a transaction or budgeted for something. This monthly budget helped us to note down what we earned over a specified period and how we planned to spend it including future expenses in the house. Other ways through which you can create a realistic budget include; • Calculating your expenses; you can do this by referring to your bank statement, and all your financial documents to help you calculate how much you spend in a given period of time. You also need to factor in unexpected expenses such as unplanned repairs in the house • Figuring out your income; You need to know your actual income by calculating all the funds that you expect which may include your salary, dividends, and online sales. • Calculate how much you need to save and have a debt repayment plan; you need to subtract your expenses from your income and determine how much you need to save. This will help you have a clear and visible way of saving and having good use of your money using a monthly budget. 2. Quickly clearing credit cards We started by clearing our credit cards by clearing our smallest balances for a start which enabled us to remain with the huge balances. This helped us to appreciate the steps however small that we were taking towards clearing our balances. This plan helped us remain with the huge balances that we created a formula for clearing. This motivated us into clearing them in order to remain debt-free 3. Make it a routine to check your balances daily Checking the balances daily helped me to note my budget spreadsheet. This routine check helped me to record any purchase that I made or any debt that I cleared during the day and keep it updated. This helped me to note and appreciate any little steps that I was making towards achieving financial freedom. This routine updating of your budget spreadsheet will help you to note all the financial transactions that you engage in on a daily basis without forgetting. 4. Always ensure you get fair interest rates by negotiating It is possible to negotiate your interest rates from your credit card company to ensure you get a fair deal. Negotiating our interest rates from the credit card companies helped us to save due to our continued and long-standing business relationship with the same credit card company. Other ways through which you can negotiate or a fair deal on the interest rates include; • Understanding your current situation; You need to evaluate your current status by knowing all the essential terms such as the current balance of your cards, and the grace period. • Understand the terms of your credit card company; It is essential to understand your bank or credit card company perspective in order to establish how you can best negotiate and up to what level they can agree to your request. • Make your request known; You can call the customer relations office and explain to them your request. It is essential for you to remind them of your past histories such as prompt payment of your bills and your good credit score. This can help in negotiating for favorable interest rates 5. Pay in cash Paying in cash is the best method to use in order to avoid overspending. Always strive to pay everything in cash where possible. One way through which you can budget with your cash money is by classifying all your budget areas and having the allocation for each. This may include; entertainment, food, utilities, and gas with each having an appropriate allocation that will last you for a month. This will help you to note your expenditure and correct your spending habit WHERE TO CUT BACK 6. Taking your meals outside Preparing your meals at home saves your money and helps you avoid unnecessary spending. For instance, preparing more dinner helps you save lunch money the following day. Such a habit of avoiding eating out will help you save money that will help you achieve financial freedom in each small way 7. Check on your groceries budget Having a proper grocery list helped us save money since we were able to plan and calculate what we needed for a specified period such as a week to avoid having excess food in our house. This helped us to buy the most essential things only and save money for other things in the house. Buying our own groceries also helped us get creative with the menu that we were preparing in the house especially when we wanted to prepare something new. 8. Get a simple cell phone Having a simple phone will help you cut on costs that come with sophisticated devices such as smartphones. You will be able to have zero expense on apps and data browsing costs which at times can be costly. Such a little movement will help you save money each passing month. 9. Cable or satellite Television Cable tv can be costly especially if you are struggling financially. Cable or satellite television forms part of a critical form of entertainment that we believe we cannot live without. This type of entertainment comes at a cost which if necessary, you need to cut to help you save money by reducing your bills. Television keeps us glued and has been blamed for time wastage and laziness in some people which if removed will help to reduce on expenses in the house and also save on time by making us more productive in our day to day work While we all know that entertainment is important and helps us have a great time in our daily lives, it can be a costly move if overdone especially when going out for entertainment. This high cost can be brought about by expensive food and drinks at entertainment spots or traveling to such entertainment spots which can at times be located in distant places. Conducting research online for affordable festivals or events has helped us save money while in search of weekend entertainment or any outing that we wish to have 11. Your Insurance covers One of the ways through which we were able to save was by consolidating our insurance covers. Consolidating the insurance covers helps to reduce the premiums that you can pay to an insurance company. This move also helps you to have all your assets covered by one insurance company. 12. Health insurance It is essential to cut on your health insurance costs to ensure you get affordable health insurance that you can comfortably pay for. Some of the ways through which you can ensure you have an affordable health insurance include; • Checking all the available options before purchasing the health plan; exploring all the available options will help you know of the most current and updated options available in the market and thus help you to have a more recent set of packages to compare with. • Check the coverage of all the plans in the market; you need to know the coverage of the plans which will help you know how well you and your loved ones especially if married are covered. • Get a health insurance broker to guide you; a health insurance broker will guide you in choosing the best health insurance cover for your use especially in the modern market that has numerous options and which can be confusing to choose from. A health insurance broker will guide you by understanding your budget 13. Car loans We decided to sell our cars to enable us to clear our car loans which were straining to pay. We then decided to purchase a locally used car for our use. This turned out to be a great investment decision that we made since we had a car that we did not have to pay any loan for and which served us well and provided us with much-needed convenience which is important in this era. We hence decided to always pay cash for any car purchase to eliminate the strain of paying for car loans which can be expensive. When doing shopping recently, I was able to find cheap polo shirts that were being sold at $8 each while others were priced at $3 each. This helped in saving a little cash which can be used in other small commitments in the house. In order to make more savings, I resolved to have a few shopping sprees in a year to avoid unnecessary shopping which can be expensive and end up consuming huge amounts of money. In regard to shopping, I always shop for a specific item that I need and this has helped to avoid unnecessary shopping or buying items that are not necessary for our use. 15. All the little things It is essential for you to determine whether the small things that you undertake or buy are worth it. Small things such as an upcoming party, gym membership, and unnecessary travel can leave you with high bills that can cost you huge amounts of money. It is important you prioritize all your tasks and activities to minimize the chances of overspending your money on non-essential things which are not worth it. 16. Shop at second-hand stores Shopping at second-hand stores will help you get great items at an affordable price. Other places to find cheap items include garage stores and at thrift stores. Items that you can find are; furniture, clothes, decor and amazing deals that will help you save money from each purchase. Shopping in these stores, however, requires a plan such as having a list in mind and your preferred item that you wish to purchase. It is also important you shop with a budget to avoid overspending while at the second-hand stores. Lastly, you need to know where you intend to carry out your shopping by carrying out proper research to know the stores better and what they offer including the price range of the various items found there 17. Always ask questions Do not be afraid to ask for a discount when making purchases in a store. Asking for a discount can help you get discounts and thus save you money when shopping. You can also inquire on critical aspects of the item such as the sizes that are on sale, when an offer is likely to come up or when it is likely to be on the shelves again. This will help you have all the facts regarding a product which will help you in future purchases. 18. Check on store’s clearance racks Goods that on clearance sale tend to have a discount which is meant to encourage quick purchase and clearance of items from the stores. This is particularly important if you are shopping for a specific item. This will help you save money while making a purchase in the stores. 19. Save on gifts One way through which you can save on gifts is by getting creative. Creatively designing a gift will help you save on money that you would have spent purchasing. This is particularly helpful in important events such as birthdays which can include framed printable that I am fond of giving on such important days. 20. Shop around and also online Comparing the prices of items that are found in your local store and those found online can lead to great discovery where one is cheap. Such comparison will help you know where to shop as you seek to save money especially when shopping which can be a costly undertaking, especially for consumer goods. WORK IT GIRL 21. Find extra income Finding an extra income will help you comfortably settle all our bills and have the guarantee of securely having a comfortable life where you can afford the basic items. For instance, I was able to create websites and do graphic jobs which helped me get little money for our use. I was able to keep the job as a side hustle after finding a full-time job later. This created two revenue streams in our house and which helped us to comfortably settle all bills and clear all debts easily. One of the most popular ways through which people are able to earn extra money in today’s world is through online work such as doing freelance online work which includes article writing, data entry, and virtual assistant work which are some of the simple ways through which you can work online and earn extra money. 22. Do it Yourself Doing things by yourself in the house will save you money that you would otherwise have used to pay for the services rendered. Some of the tasks that you can carry out by yourself include; applying a coat of paint, repairing your broken table, changing your lighting bulbs, or carrying out simple moldings in your home. 23. Use coupons Coupons can help you save little money that you can use in your own simple ways in the house. It is however not a major way through which you can expect to make huge savings. 24. Saving around the house Some of the little ways through which you can make savings around your house include; turning off our lights when out of a room, purchasing energy saving bulbs for use at home, purchasing cheap furniture. Such small savings will, in the long run, help you save money for other uses in your home. 25. Prepare a 5-year and 10-year plan Preparing a short term and a long-term plan has numerous benefits which include; • It helps you manage your income better by classifying what you need for your expenditure and for savings. • It helps you to increase your cash flows by establishing your spending behaviors, and expenses. This will help you have careful use of our money as you seek to save with a goal in mind. A five-year plan is a short-term goal that is meant to solve immediate issues and contribute to a bigger goal that can be spread in a ten-year plan. Living a financially stable life requires careful planning of your finances and having all your plans in order. The factors listed above comprise the many ways through which you can clear all your debts by understanding all the elements that you can do without as you seek to save your money and have better uses. You also need to understand the new ways through which you can add extra income generation channels in your life to avoid living on a very tight budget which can be stressful in this modern life This article, therefore, is meant to guide you as you seek to achieve financial freedom, it is however not meant to make you strain and live a life of need but to guide you on the simple and useful ways through which you can save and live a debt-free life that we all endeavor to have.

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- We all love to DIY, but there are certain times when seeking professional financial help is wise. - If you want to retire or send your kid to college, a CFP can help you achieve those goals. - If you've come into a windfall, talk to a professional early to understand your tax situation. We are a DIY culture that places a high value on doing everything from home renovations to day trading ourselves. But not everyone is a financial whiz, and it's OK to consult an expert when you're stumped. Michael Garry, a financial planner, self-described "recovering lawyer," and founder and CEO of Yardley Wealth Management outlined seven situations where you should talk to a financial planner. 1. You anticipate a significant life event, such as a new child or losing a job To truly enjoy a happy life event such as a birth or a wedding — or to reduce the stress of losing a job — get help from a financial planner. Garry notes that a financial planner can help you plan for "big, expensive, life-changing events that people aren't sure whether they afford or not." And figuring out the money up front can save you from a lot of stress later on. 2. You get a windfall: inheritance, IPO, winning the lottery! Lottery winners are more likely to declare bankruptcy, and 70% spend all their winnings within five years. Without proper money management, one-off financial payouts like getting an inheritance, an employer buyout, winning the lottery, or an IPO can make your life worse rather than better. Even high-wealth people can end up broke without good financial advice. Garry suggests talking to a financial planner before doing anything with a windfall, especially if the money is new to you. "A lot of choices of what you do will determine the taxes you pay," he says. And the amount you owe in taxes will determine how much you have left after tax. Plus, advice can help put the money in perspective. "Sometimes it would take an outsider such as a financial advisor or even a CPA," Garry says, to help you understand if a big chunk of money is truly enough to be life-changing. 3. You've had a sudden change in your financial situation that you don't understand Here's the situation: You suddenly can't pay your credit card bills at the end of the month, though that was never a problem before. Or, on the flip side, your bank account balance is on the rise even though you aren't doing anything different. In either case, it's worth finding out what's happening. "It might be much easier for a financial planner to find the root of that than for a lot of clients," Garry says. Common causes of financial mysteries are a change in tax withholding or the amount taken out of your paycheck for benefits. Garry notes that tracking these items is not in everyone's wheelhouse, but it's easy for a seasoned financial professional to uncover the cause of the change and help craft a plan to get you back to economic equilibrium. 4. You're doing fine with money — but you can't explain why Garry notes that many people do everything right with their finances: working steadily, saving, investing, and taking advantage of company matching programs. But that doesn't guarantee your future financial health. "We've had mostly bull markets since the '80s," he says. "People could be in great shape just by going to work all the time." Your money kept growing as long as you didn't bail out during a recession. "But it may not always be that easy in the future," Garry says. In uncertain markets, solid financial advice can help you protect your investments. That's particularly true if you're getting close to retirement. "If you are within a few years of retirement or expected retirement age," — age 55 or older — "and you've never sat down with somebody to discuss your finances, I think it would be really eye-opening." You might discover that you need to increase your retirement contributions or work a few more years to fund a comfortable life in retirement. Use Insider’s calculator to see if you’re on your way to a comfortable retirement by answering a few questions about yourself, your savings, and how long you expect to keep working. 70% of pre-retirement income *Need is based on covering 70% of your annual pre-retirement income and a life expectancy of 100 years. 5. You want to retire someday Yes, this is just about everybody. As noted above, stumbling into retirement without a clear picture of your financial needs and resources is risky. You don't want to discover when you're 58 that you've been doing the wrong thing and you're not prepared for retirement, so the best time to make a retirement plan is well before you retire. For example, Garry points out that paying for a child's college tuition can cut into your retirement savings. That could be fine, as long as you have a plan to fill the hole. If you don't figure out that you're short on retirement savings until after you leave the workforce, he notes that it can be tough to go back to work. After a few years without work experience, finding a job that pays anything close to what you earned before could be difficult or impossible. That's why it's essential to understand your retirement income before you stop working. 6. You're sending a child to college Garry has firsthand knowledge of the pain of student loans. Law school left him $90,000 in debt, and his first child was born two weeks after graduation. He had to work nights as a bar back during his first years as a lawyer to make ends meet. He doesn't want the same for his kids, so he had a frank conversation with his youngest daughter about the tuition at her first choice school compared with the income she could expect from her chosen career. He figured out how much he could contribute to her education, how much debt she'd have to take on, and her monthly loan payments after graduation. The heavy debt load would have taken a big bike out of her salary, and could keep her living at home. Armed with that information, she chose an excellent state college, loved her school, and was able to graduate debt-free. Garry thinks parents have the responsibility to get clear on the finances of student debt because "it's numbers without context" for an 18-year-old. College decision time is a critical moment to sit down with a financial planner and figure out the ramifications of different school choices. It's a decision that can have a substantial financial impact on both the parents and the student long after graduation. 7. You're worried or stressed about your finances Garry thinks financial stress is the biggest reason to get professional help. "[If] you can't sleep or you're very nervous, and it's on your mind all the time, then you should talk to a financial planner," he says. In most cases, he finds that people know what the problem is, but they don't know how to solve it. It might be monthly payments you can't afford or whether an employer buyout is enough to carry you into retirement. For people whose stress comes from crushing debt, the fee for a financial planner may be unaffordable. That doesn't mean you can't get help; many free or low-cost credit counseling services offer services to help people understand their finances and find solutions to money problems. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.

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Have you read the first part of our ETF series? If you haven’t or are needing a recap, here’s why Exchange Traded Funds are great! Why ETFs? Working for money isn’t your only option. The reward for successful budgeting is investing. Investing is a way to make your money work for you! The big questions… Read more → Life gives us a second chance every 365 days. A chance to do better and to be better. After a year like 2020, we desperately need to turn over a new leaf. But what will you do with the new opportunities 2021 holds? Will you start anew or keep on locking horns with your wallet?… Read more → Within 30 seconds, could you tell someone where your money is and how much you have in each of your accounts? Often we have too many accounts, duplicate accounts attracting double the bank charges or a lot of money in non-interest bearing accounts. Setting up a financial structure which is simple and easy to follow… Read more → Healthy eating is often associated with spending more money. It’s true that eating healthily can be expensive, however, there are many ways to eat nutritious foods that your body – and wallet – will thank you for. These 4 tips will help you stay on track with your health goals and your budget. Plan your meals… Read more → One of the biggest questions about retirement is when to start saving. Even though you might be in your early 20s and retirement may seem a long way off, it’s vital to start sooner rather than later. With the financial consequences of the pandemic still looming for most, it’s important to keep these tips in mind when going Black Friday shopping. If you’re paid a salary each month, it may feel like receiving income and paying tax are automated tasks. Any monthly tax deductions as well as contributions to company benefit plans might seem like values you don’t have any control over. However, you most likely have a rough idea of your income and expenses, which… Read more → All eyes are on Biden to kick-start US economic recovery and to strengthen relationships with developing countries like South Africa, as well as with other developed nations. While we wait in anticipation for the newly elected president to take the stage, let’s hold onto the future prospects of the Biden blue wave. Being a successful investor over the long term is actually fairly simple, anyone can do it! The key is to do as little as possible – which doesn’t actually sound like good advice, but hear us out. Fidelity, a large asset manager in the US, has done a study to find out which accounts had… Read more → 2-3 min read (or getting dressed for your morning run) Finance Minister, Tito Mboweni finally gave the budget speech after it was postponed by a week. “We must rebuild our economy, rehabilitate our public finances and recover from the devastation wrought upon us by COVID-19”, he proclaimed. The Medium-Term Budget Policy Statement (MTBPS) was made on 28… Read more → Financial freedom has become a buzzword made popular by Youtubers, writers and bloggers. Many of us have the goal to be financially free, but far fewer actually attain that goal. One of the reasons for this is that we say we want to be financially free, but have no idea what that actually means, or… Read more → The key to building wealth and increasing your net worth is to generate long-term income over and above your normal, job-based income. The best way to do this is through a combination of savings, investments and income-generating assets. Assets can be divided into two categories – tangible and intangible assets. Tangible assets are those you… Read more → There are plenty of options available to grow your wealth. For instance, you could buy shares in a company, purchase an investment property, invest in cattle or start your own business. However, none are as accessible, easy, inexpensive and tax effective as Exchange Traded Funds (ETFs). An ETF is a type of passive fund that holds multiple assets which attempt to track the… Read more → F.I.R.E is an acronym for Financially Independent; Retire Early and although it’s been all the rage on social media recently, it’s not a new idea. Today’s guest blog post comes from Stealthy Wealth. Most people are aware that when you buy something using debt you end up with a total bill quite a bit higher than the sticker price of the item thanks to interest. Interest is the price you pay for the privilege of owning something immediately and only… Read more → When you hear the term investing, you tend to think of traditional investments that most people are familiar with. These are usually cash in your savings account, some of your favourite companies’ stocks or bonds. If Transport & Fuel is one of the budget categories in which you record the highest spend each month, you’re not alone. It seems it only takes a few days for a tank of petrol to go from full to empty. Those tanks aren’t getting any cheaper either. The petrol price has increased by nearly… Read more → Picture this: you’ve just bought the house of your dreams. A few days pass by and you start thinking about the loan attached to the house, which needs to be repaid – a period that usually lasts anywhere between 20 to 30 years. It’s alright to think of the implications of taking out the loan,… Read more → The next time you take the rubbish bag out, imagine that it is filled with money. The money spent on the rubbish that’s now in it. A glimpse into someone’s rubbish bag of money would give a good indication of the person’s eating habits. Maybe you’ll see four chocolate wrappers from the shelf just before… Read more → Have you ever been caught between two worlds, where your heart says one thing and your mind says the opposite? The concept of mindfulness has recently gained popularity as a way of paying attention in a particular way – on purpose and in-the-moment awareness without any judgment. Mindful eating and mindful moving are popular terms… Read more →

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In order to produce the podcast and keep content up free for you, I work with partners so this post may contain affiliate links. Please read my full disclosure for more info. Today Adam Baker from Man Vs Debt is releasing his first financial guide, Unautomate Your Finances. I've had the pleasure of reading the guide and wanted to share and review some of my thoughts on the book. Unautomate Your Finances Overview Unautomate Your Finances is packed with a lot of information. It flows from motivation on getting your finances organized and educating you on having a system to teaching doable actions that can get your finances in line with your values. Here's how it's broken down: - Theory: Baker introduces the core concepts of his book and gives his personal results. - Science: Moving from Theory, Baker uses exercises to help you personalize the plan with your ideal life. he also shows you how to figure out what next step to take. - Application: The last section has tactics for you to get your financial house in order. Automation – Good or Bad? First off, this a great guide and Baker goes into depth with finances and getting to a point of where you are working towards your goals and ideal life. Many people equate automating finances as a solution, but Baker points out it may be only a quick fix. As someone who automates much our finances, I found this notion intriguing. After all automation helped me pay off my credit cards, helped us pay off the car loan, and was a big part of having a down payment for our place. I'm couldn't believe Baker was going in that direction, but I trust him and I read the guide with an open mind. I found that Baker addresses this issue head on in the first section and he explains how automation is merely a tool and not the solution. He gets into the core of his unautomation principles (consciousness, sustainability, and focus) and shows how it's much better than just automating. Reading through I saw how working through this concepts with specific actions leads to a simplified and effective way of handling your money. I love his action plans and I think many people will be like me and trying out to see what works best. Unautomate Your Finances Bonus Stuff Unautomate Your Finances includes more than just the 80+ paged guide. Baker has really put together some great bonuses for those who want the guide. - A 27 minute interview with Leo Babauta (ZenHabits) - An audio interview with J.D. Roth (Getrichslowly.org ) - He includes a 2-page printable PDF budgeting template - Minimalist excel template of same budget - Baker plans on updating the guide with case studies, more interviews, etc... Who is This Guide For? If you are struggling with finances or you want to optimize your system, this guide is a must read. I'm reviewing and using the Application section of the guide to clean our financial system. I think we've automated our finances well, but we could do a better job on being more aware of our miscellaneous spending. If you grabbed a copy of the guide, please share your thoughts on it in the comments!

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S Corporation Health Insurance Deduction How Does It Work If you are a greater than 2% shareholder in an S corporation, you can receive a tax deduction for the health insurance premiums paid on your behalf by the S corporation. Taking the deduction is simple, but the reporting obligation is quite tricky. Lets assume you are an LLC that filed to elect S corporation status and you own 100 percent of the stock. You also work full-time on the company payroll, so how do you report the health insurance deduction? Lets look at the requirements. Purchase Our Tax Guides S Corporations Health Insurance And Obamacare January 13, 2014 By Stephen Nelson CPA The Affordable Care Act makes a number of changes to the way that small businesses account for and treat health insurance expenses. Accordingly, Im going to quickly review how the rules apply to Subchapter S corporations and then point out one of the largely ignored issuesthe anti-discrimination requirementthat will affect many small S corporations. To keep all of this information practical and actionable, though, Im not going to talk about concepts or regulations. And no politics here either. This blog is supposed to be practical and provide how-to information. So, Im just going to describe how you handle the three common situations a small business is likely to encounter. Can I Deduct Health Insurance Premiums As An S Corporation Shareholder You may be able to use the Self-Employed Health Insurance deduction if you’re at least a 2% shareholder in an S Corporation. To claim this deduction, the health insurance premiums must be paid or reimbursed by the S corporation and reported as taxable compensation in box 1 of your W-2. The S Corporation can either purchase the policy in your name or reimburse you for the premiums you paid. The policy can also cover your spouse, dependents, and any nondependent children under the age of 27. The SEHI deduction is generally more advantageous than claiming it as a “regular” itemized deduction. The SEHI deduction will appear on line 17 of Schedule 1 and may not exceed your W-2, box 5 amount. You May Like: How Does Unemployment Insurance Influence Staffing How Do Health Insurance Benefits Work For S Corporations Just like other business structures, S corporations can offer health insurance premium coverage for their non-owner employees as a tax-free fringe benefit. The employee doesnt get taxed for it, and the company can deduct the contributions on its business tax return. S corp owners who participate in management are considered employees, but theyre treated more like the self-employed for insurance benefits. Unlike non-owner employees, shareholders with more than a 2% stake cant receive accident or health insurance as a tax-free fringe benefit. When an S corporation offers a shareholder-employee health insurance, the costs are included in gross wages, are subject to federal and state income taxes, and appear on the shareholder-employees Form W-2. If you follow our guide, you can avoid paying FICA taxes, which comprise Social Security and Medicare taxes, on the S corporations contribution. You can also get a personal tax deduction for your health insurance premiums. Before we start, dont try to get smart with the IRS. You cant employ your non-owner spouse to get insurance for you and the rest of your family: Your S corporation ownership extends to your spouse and family members in this case. You also cant take the personal tax deduction for health insurance premiums if you or your spouse were eligible for another subsidized health insurance plan. The deduction only applies to S corp shareholders who cannot get health insurance any other way. S Corporation Owners How To Treat Medical Insurance Premiums posted on August 20, 2012by Gary M. Kaplan, C.P.A., P.A.| Comments Off on S Corporation Owners How To Treat Medical Insurance Premiums Corporations owned by less than 100 non-corporate shareholders can elect to be treated as a Subchapter S Corporation for tax purposes. Weve previously talked about reasonable compensation for business owners . Well now focus on an important change in reporting that many businesses are not handling correctly! Health insurance premiums paid by an S Corp for more than 2% shareholders must be treated as wages to that owner. In other words, the only way an S Corp can deduct the amount paid for shareholder health insurance is to include it as part of the shareholders salary the owners health insurance can no longer be called an insurance expense or employee benefit expense on the 1120S federal tax return. The net income effect for the corporation is the same, but shareholder-employees W-2 wages will increase by the amount of the health insurance premiums paid by the S Corp. Thankfully, no Social Security and Medicare tax is withheld for wages attributed to the insurance premium. The shareholder-employee may be eligible to deduct the medical insurance premiums from their Adjusted Gross Income on their 1040 income tax return. Recommended Reading: State Farm Insurance Dog Breed Restrictions What Is An Llc A limited liability company, commonly abbreviated as LLC, is a business structure with both pass-through taxation and legal liability separate from its owner. - Like a sole proprietorship, an LLC has pass-through taxation, which means that the income and loss of the business is reported on the personal income tax form of the business owner. This means that an LLC does not constitute a separate entity for tax purposes, according to the IRS. - According to LegalZoom, unlike a sole proprietorship, an LLC has separate legal liability . If a suit was filed against your LLC, then the LLC itself would be sued, not you as the individual. As a result, in most cases the plaintiff would only be entitled to recover the LLCs business assets, not your personal property or assets. The owners of an LLC are called members. Single-member LLCs are taxed as sole proprietorships, while multiple-member LLCs are taxed as partnerships. An LLC can also decide to be taxed as a corporation or S corporation, and its members would then pay taxes like shareholders of a corporation or S corporation owners. Can You Get Health Insurance Through Your Llc You usually cannot get small business health insurance or a group plan through your LLC if you have no employees, although you can still get individual health insurance as an LLC owner or member. If your LLC does not have employees besides yourself, you would most likely be a sole proprietor and could only enroll in individual health insurance, not small business health insurance. However, sole proprietorships with one employee besides the business owner can usually qualify for group health coverage. In other words, single-member LLCs would likely only qualify for individual health insurance instead of group health insurance. Read Also: Does Insurance Cover Tooth Bonding How To Claim The Sehi Deduction In Turbotax You’ll need the K-1 that the S Corporation sent you. Here’s how to enter it and claim the deduction: Interaction With Hsa Requirements Under IRC § 223, certain individuals are eligible to take a deduction for amounts paid in cash by or on behalf of such individual to a health savings account , which is subject to rules similar to individual retirement arrangements. Individuals who have high deductible health plan coverage and no other disqualifying health coverage may contribute to an HSA. Individuals who are covered by permitted insurance ) or certain disregarded coverage ), in addition to HDHP coverage, may remain eligible to contribute to an HSA. For 2021, the HSA contribution is limited to $3, 600 for single employees and $7,200 for employees with a family. An employee 55 years or older may contribute an additional $1,000 per year. An individual who is provided a QSEHRA that, by its terms, is eligible to reimburse any medical expense, including cost sharing, is not eligible for an HSA under IRC § 223. On the other hand, if the QSEHRA is properly limited, the employee would still be eligible to have an HSA along with a QSEHRA. In the year an employee makes a contribution to an HSA, the QSEHRA can only reimburse the employee for the following: - High deductible health insurance premiums - Wellness or preventive care - Dental expenses - Vision expenses and - Long-term care premiums These QSEHRA limits are only necessary for employees who make or receive contributions to their or their spouse’s HSA during the year. Other employees can be reimbursed for all qualified medical expenses. Read Also: Ail Mlm Premiums Must Be Included On The Shareholders W As mentioned, for income tax withholding purposes, accident and health insurance premiums need to be treated as shareholder compensationâwhich means that premiums for the shareholderâs health benefits need to be included as wages on the shareholderâs form W-2. Now, an important thing to note is that premiums are included on the shareholderâs W-2 strictly for income tax withholding tax purposes those additional wages are not subject to FICA taxes or Federal Unemployment Tax Act . Bottom line? If health insurance premiums are excluded from the shareholderâs taxable income and are not included as additional compensation/wages on form W-2, the shareholderâs premiums will not be considered deductible for that tax year. Tax Deduction For Premiums IRS Notice 2008-01 made it possible for a less than 2 percent S corporation shareholder to deduct insurance premiums from a personal tax return . It does not matter whether the insurance policy is in the S corporations name or not. This means you can deduct premiums for a group insurance policy even if your company has only 2 employees. Don’t Miss: Car Insurance Open Sundays Can I Participate In A Health Reimbursement Arrangement If youve heard about HRAs, where employees are reimbursed tax-free for medical expenses, youre probably hoping you can get in on that, right? The short answer is: No. If you own an S Corporation, you and your family members are not eligible for HRAs. You can, however, offer an HRA to any of your non-owner and non-family employees. This might be a good option for you if you want to allow your employees flexibility in choosing how they spend their health care money. What Is An S Corp An S corporation, also known as an S subchapter, is a way for shareholders to avoid double taxation on corporate income. In addition to tax benefits, it also provides limited liability protection and asset protection for S corporation shareholders. S corps are treated the same as a regular C corporation in terms of business structure, the main difference is how they pay business taxes. With a C corp, the business pays taxes on income, plus the shareholders also pay taxes on any profits they receive from the business. With S corps, instead of the corporation and shareholders each paying taxes, shareholders are allowed to pass the corporate income, losses, deductions, and credits through to their own personal income taxes, paid at each shareholders income tax rate. S corporations are still responsible for paying taxes on certain gains and income. S corporation status also provides liability protection for their investors. Ordinarily, an investor or partner in a small business could be responsible for any debts or liabilities it accrues, putting their personal assets at risk. As a business entity, an S corp generally protects shareholders from such obligations. Recommended Reading: Will Car Insurance Cover Broken Window Example #: Covered And Uncovered Employees Now a more common situation: What happens if the S corporation employs both a shareholder and then also a non-shareholder-employee, or even several employees, but only pays health insurance for the shareholder-employee? Okay, this is where the Affordable Care Act makes things messy. While only businesses with 50 or more employees are required to provide employees with health insurance under the Affordable Care Act, the Act also prohibits discrimination with regard to health care benefitsand this prohibition applies to both small and large businesses. As a practical matter, what this means is that a small business cant provide piecemeal coverage, insuring some employees and not insuring others. When the business adds a second employee, therefore, the firm has only two practical responses. One response is for the employer to begin providing Affordable Care Act compliant insurance for everybody. The other response is for the employer to stop providing insurance to anybody, including the shareholder-employees. And the penalty for discriminating could be substantial. For a two-employee business which provides health insurance to the shareholder-employee but does not provide health insurance to the non-shareholder-employee, the S corporation could be tagged with a $36,500 penalty. How The Aca Affects Coverage How the Affordable Care Act can affect your business’s cost of premiums will largely depend on what type of business entity you have. In a c corporation, the shareholders are treated the same way another employee is treated which means that they can take advantage of the company-sponsored health plan. This allows them to participate on a tax-preferred basis. Though there are no guidelines that will allow an employee to purchase tax-preferred coverage without a company-sponsored plan. Also Check: Does Progressive Charge A Cancellation Fee Personal Income Tax Deduction For Health Insurance Premiums S-corp owners may not have the same access to tax-free health insurance as non-owner employees, but they can still ensure their premiums are tax-advantaged. Specifically, S-corp owners can take a personal income tax deduction on the health insurance premiums paid by the business. For S-corp owners to qualify for the deduction, their health insurance policy must be established by the business and not by the S-corp owner personally. To determine whether the policy is established by the business, the IRS considers: - Who pays the premiums for the policy, and - How the premiums are reported for income tax purposes by both the business and the S-corp owner. The business must pay the S-corp owners premiums directly. It must also include the premiums as gross wages in the S-corp owners Form W-2. If the S-corp owner pays the policy premiums on their own and then gets reimbursed by the business, this does not qualify the owner for a tax deduction. If the S-corp owner does qualify, they can deduct their premiums on Form 1040, line 29. S-corp owners can use this method to deduct premiums for accident, dental, and long-term care policies as well as for health insurance policies. S Corporation Shareholders: Deducting Self May 29, 2013 In this era of ever-increasing medical insurance premiums, S corporation shareholders should be mindful of the limitations with respect to these expenditures. By ignoring these limitations, shareholders risk the deductibility and the deduction for this expense could be denied. A 2% employee-shareholder may be eligible for an above-the-line deduction under IRC Sec. 162 for the cost of accident and health insurance premiums paid by the corporation . The deduction is equal to 100% of the amount paid for medical insurance for the shareholder, his spouse, and dependents and is reported as an adjustment to income on the shareholder’s Form 1040. This deduction has two limitations imposed by IRC Sec. 162: Answer: Yes, the taxpayer can claim a $4,000 deduction for the health insurance premiums paid by the S corporation. His pass-through loss of $75,000 will have no effect on his deduction. The deduction is based solely on his W-2 wages from the S corporation. IRC Sec. 162. Recommended Reading: Does Glass Claim Raise Insurance

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Most of us want to see all the places in the world. Although traveling around the world is an exciting venture, we also need to think about our expenses which could a be huge one, and finding this kind of money will be difficult for some of us. There are a lot of things to pay for when you want to travel places. Most of us don’t have that kind of money to spend for traveling. So, if you are really intent on traveling the world, then you need to be serious in saving money for it. Saving is also not an easy thing to do and besides it can take us a lot of time to come up with the amount that we need. Thankfully, there are some ways that you can save more money for your travels. Today, we are going to have a short look at some ways that you can save more money for your travels. One great tip if you want to save money for your travels is to pay off your debts first. If you have a lot of debt to pay, then this is a surprising tip. Getting rid of all your debts first can help a lot to saving money for your travels. If you consolidate your debts, then you would end up paying only a small amount per month which could lead to great savings. We all want to save as much money for our travels as soon as possible. Creating a good savings plan is another way to save for your travels. It is very important to create a good plan that you can follow diligently. A good plan is better than saving what is left. There should be a percentage of your monthly income set aside for travel fund. This way, you will soon find that you have enough money to go on your dream vacation. Take a quick look around the items that you have in your home, and you will see a lot of things that you don’t use and you don’t need. If you spend half the day going through all the items in your house, you will find plenty of these unused or unwanted things. One great way to make extra money for your travels is to sell all of these things that you are no longer using anyway. Selling your unused items will not only help you generate funds for your travel, it will also get rid of clutter in your home. If you cut back on your expenses, then you will have plenty of extras to put in your travel savings fund. You will soon have great saving if you are able to control yourself from spending on unnecessary items. Take a look at the things that you buy, and think to yourself how many you can live without. If you cut back on your expenses, you can add the savings to your travel fund.

Personal Finance

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Chase Debate: What are your Financial Distractions? When we talk about financial management, we talk of planning for our money in order to avoid getting caught off-guard – whether it’s for an emergency or a pre-planned affair. It is for this main reason that you either put money aside and have it accumulate with some interest (save) or capitalize on something that will enable you to increase the value of your money (invest). In order to do this, you need to prepare a budget, so that you can know the right amount of money to channel towards these two main activities. However, even before embarking on saving and investing, you need to know why you’re doing it and what you want to work towards. So, it’s important to set goals, and have these goals can cover these two main concerns. Your goals need to be very Specific, Measurable, Attainable,Realistic and most importantly, Time bound. The question that we set out for Chase Debate last Friday was, “What are your Financial Distractions?” After you have set out your financial goals, what is it that distracts you or hinders you from going ahead to achieve them? - Is it that you have too many goals that they become burdensome? - Is it that your goals are unrealistic – such that you set such high expectations for yourself that you genuinely know you can’t achieve? - Is it that you’re not disciplined enough to follow through this commitment? - Is it that you don’t understand the goals and so you don’t feel the need to live up to them? - Is it that you get easily distracted, that you’re not able to fulfil your goal, even when you have the ability to fulfil it? We all have many reasons as to why we set our financial goals but fall short of achieving them. However, that shouldn’t deter you. You can find a way to work around those distractions, and since they’re financial distractions, you need to first find a financial partner, such as Chase Bank. Then open a savings account that has attractive interest rates, and is also easily accessible. For this purpose, the Instant Saver Savings Account would be ideal for you. - Minimum Opening Deposit KES 2,000 - Minimum Balance KES 2,000 - Tiered interest rates - Ledger Fees KES 150 for amounts below minimum balance - Quarterly Statements - ATM Card Available - Free Pebble account available - Competitive and superior interest rates, credited quarterly - Telephone Banking available - Personal Accident cover of KES. 100,000 Visit us on any of our branches, Download Mfukoni App or Dial *275# to Open an Account with us. Also feel free to engage with our other group of companies on twitter: Genghis Capital, Genghis Capital Unit Trust, Rafiki Bank, Chase Assurance and Orchid Capital, as they’ll provide sound advice when it comes to the financial services sector. During the debate, we got some good feedback from you. See the #ChaseDebate conversation below: Chase Bank Kenya Chase Debate Financial Goals Financial Management Financial Solutions Savings Account

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When it comes to personal finances, almost all the people in the modern world have the best intensions. You can find plenty of methods to improve your personal finances. However, it is always better to follow the steps recommended by a professional financial consultant in order to stay away from hassle when improving your personal finances. Richard Cayne recommends the following financial tips for people who are struggling with their personal finances. - Always have a good understanding about your expenditures – It is extremely important to have a decent understanding about their financial expenditures. Most of us don’t think twice before spending money. This can lead us to major financial issues in the long run. That’s why you need to note down everything you spend money on a month. This includes all the expenses including food, fuel, clothing, rent and literally everything else. Once you note down the expenses, you will recognize how much you have spent unnecessarily per month. - Spend less than you earn – All of us prefer to have a luxurious life. Therefore, we tend to spend money on things that we cannot afford. This is not good for your personal finances. That’s why Richard Cayne encourages you to spend less than you earn. You might think who on earth spends more money than they earn. However, most of the people tend to spend their money on fancy things without thinking twice. This can lead them towards debt at the end of the day. If you fail to pay those debts within a period of month, you will have to go through some hassle when paying it during the next month. You might also be susceptible to the extremely high APR that comes along with debt. - Understand your financial goals – Most of us have created our financial goals. However, you need to understand the steps needed to getting closer to your financial goals and objectives your financial goals need to be realistic and solid. Then you need to work hard constantly in order to achieve them. For example, if you are planning to purchase a new home or a car, you need to know how that may affect your finances both short and long term. This will help you to achieve your financial goals in the best possible way. Richard Cayne explains that knowing your current financial state not only how much one is spending and where the spend is going but also how much one is savings or capable of saving is a good first step to note before speaking with a financial consultant. Richard Cayne Meyer born in Montreal, Quebec Canada resides in Bangkok Thailand and runs the Meyer Group of Companies www.meyerjapan.com. Prior to which he was residing in Tokyo Japan for over 15 years and is currently CEO of Asia Wealth Group Holdings Ltd a London, UK Stock Exchange listed Financial Holdings Company. Richard Cayne has been involved in the wealth management space in Tokyo Japan and has assisted many High Net worth Japanese families create innovative international tax and wealth management planning solutions. https://www.isdx.com/Asia Wealth Group

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Income Tax Annual Information Statement (AIS): Everything You Need to Know About the Income Tax Annual Information Statement (AIS) The Income-Tax Department has released a new AIS (Annual Information Statement) that incorporates new categories of data such as dividends, interest, mutual fund transactions, international remittances, and securities transactions. This blog will help you gain knowledge about the Annual Information Statement and how it will benefit the taxpayer. Let’s take a look at what Form 26AS is before moving on to AIS (Annual Information Statement). Table of Content What is Form 26AS? Form 26AS contains information about the income tax deduction related to TDS (Tax Deducted at Source) or TCS (Tax Collected at Source) from the income of a Taxpayer. The deductor subsequently deposits the tax deducted with the government. Form 26AS has been modified to include information on the refund amount, self-assessment tax, and advance tax. Suggested Read: How to get errors corrected in form 26AS under Income Tax Act? What is an AIS (Annual Information Statement)? In Form 26AS, AIS is a comprehensive picture of information for a taxpayer. Additional information on interest, dividends, securities transactions, mutual fund transactions, international remittance information, and other topics is included in the new AIS. The taxpayer will get access to AIS data in PDF, CSV, and JSON formats. A taxpayer can give comments on the data presented in AIS. Under each part, AIS displays both the reported value and the updated value i.e., the value after considering taxpayer comments (i.e. SFT, TDS, and Other information). What types of information does the Annual Information system (AIS) display? AIS is divided into two parts – Part A contains general information, and Part B contains all the information related to the TDS, demand and refund, SFT, and other information. General information such as masked Aadhaar Card Number, PAN details, contact details of the Taxpayer, name of the Taxpayer, Date of Birth (In case of the individual taxpayer) / Date of Formation or incorporation (In case of non-individual). SFT – The information obtained from reporting entities is shown in the Statement of Financial Transactions (SFT). It is possible to obtain the SFT code, Information description, and Information value. Demand and Refund – During a fiscal year, details of the demand made and the reimbursement began (assessment year and amount). TCS/TDS Information – Information such as description and value is shown, information code of the TCS/TDS, and information related to the TCS/TDS will be displayed here. Other Information – The data relevant to Interest on refund, Annexure-II salary, purchase of foreign currency/outward foreign remittance, and other information acquired from other sources are displayed here. Benefits of Annual Information Statement (AIS) - The Annual Information Statement (AIS) will provide a preview of transactions ahead of time, reducing the likelihood of departmental inquiries and notices, even for minor omissions or errors. - A facility has been provided for the taxpayer to submit online comments if they believe the information is erroneous, relates to another person/year, or is duplicated. - Taxpayers can also use an AIS Utility to view AIS and upload feedback in an offline mode. In the AIS, the value after feedback and reported value will be displayed separately in the AIS (Annual Information System). Salient features of the Annual Information Statement (AIS) - Taxpayers will be able to view AIS and provide input when offline using the AIS Utility. - Taxpayers will be able to view the AIS and submit input on their mobile devices via the AIS Mobile App. - Data Analytics is being used to populate PAN in non-PAN data so that it can be used in AIS. - Duplicate data is removed, and a streamlined Taxpayer Information Summary (TIS) is prepared for simpler return submission (pre-filling will be enabled in a phased manner). How to access Annual Information Statement (AIS) - Log in to the Income-tax e-filing system - Enter user details - Select the AIS option under the Service tab - Access the AIS homepage The information which Taxpayer needs to keep in mind in context to AIS Taxpayers should keep in mind that the Annual Information Statement (AIS) contains information that is currently accessible with the IRS (Internal Revenue Service). Taxpayers should review all relevant data and file a report. At the time of filing, taxpayers need to verify that all the information provided should be comprehensive and accurate. Taxpayers are asked to review the information in the Annual Information Statement (AIS) and provide comments if any of it needs to be changed. When filing the ITR, the value stated in the Taxpayer Information Summary (TIS) may be taken into account. If the ITR (Income Tax Return) has already been filed and some information has been left out, the return may be updated to add the missing information. The TIS (Taxpayer Information Summary) has two values: Derived Value and Processed Value, and the TIS will be instantly updated on the internet platform after the taxpayer submits feedback via AIS. If there is a discrepancy between the TDS (Tax Deducted at Source) or TCS (Tax Collected at Source) information, the details of the tax paid are displayed on the TRACES portal in Form 26AS. The taxpayer can rely on the information on the TRACES portal for filing ITR for other tax compliance purposes if TDS/TCS information relevant to tax payment is shown in the AIS on Compliance Portal. FAQs on Taxpayer Information Summary (TIS) and Annual Information Statement (AIS) 1. What is Taxpayer Information Summary (TIS)? TIS (Taxpayer Information Summary) is a summary of a taxpayer’s aggregated information by category. Under each information category, TIS displays the derived value (i.e., the value derived after incorporating taxpayer feedback and processed value) and the processed value (i.e., the value obtained after deduplication of information based on pre-defined rules). The generated information in TIS will be used to pre-fill the return if it is relevant. 2. How to Download AIS (Annual Information Statement) – PDF from the IT Portal? Because the AIS PDF is password protected, the user must input the PAN (in upper case), date of birth (if the taxpayer is an individual), or date of formation/incorporation (if the taxpayer is a non-individual) in the sequence of DDMMYY without any spaces to download the PDF. 3. Is it possible for me to provide feedback on the information displayed in AIS? A taxpayer can give comments on the data presented in AIS. Each Information detail will display the feedback options. You will only be given one of the various options for your feedback. Different feedback options such as information are not fully correct, information is correct, customized feedback, the information relates to other PAN/year, and other feedback information. 4. What happens after I’ve submitted my feedback on the information displayed in AIS? After successfully sending comments on AIS data, the feedback will be displayed alongside the data, and the revised value of the data will be visible beside the reported value. The Acknowledgement Receipt will be available for download, and the activity history tab will be updated as well. Confirmation of feedback submission will be provided through SMS and email. Income Tax Return File your Income Tax Return at affordable price with Ebizfiling. About Ebizfiling - They helped me with my company’s name change and I was quite satisfied with the way they served me. I am surely coming back to you in case of any compliance problem. They make GST returns easier and fuss-free. I was amazed to see the great offers for women entrepreneurs. It was a delightful experience working with you and your team.

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New legislation is typically received by the business community with as much adoration as a Yankee fan at Fenway, but there are exceptions. In a boost for small business — and in a rare display of bipartisanship — the Jumpstart Our Business Startups Act (JOBS) became federal law in April. The act has several provisions, but in sum it makes it possible for nearly anyone to become a junior venture capitalist, and it opens new doors for small-business owners to go public and raise capital in ways previously unavailable. Before JOBS, anyone investing in a business for equity had to be an “accredited” investor — someone with a net worth of more than $1 million, not counting their primary residence. Under JOBS, companies can sell up to $1 million worth of shares to any investor during a 12-month period. Disclosure rules for private companies also have been eased, so companies looking for $100,000 in capital only need financial statements certified as accurate by their chief financial officer. Up to $500,000 and a professional review — but not an audit — is all that’s required. To many of the bill’s detractors, that sounds eerily similar to some of the financial reporting practices that fueled the housing collapse. The Act has several other key provisions, and no government act would be complete without exceptions, but overall it is generating an extra dose of optimism and is likely to drive more strategic purchases in an economy that needs it. “There are lots of small companies out there that can use this as part of a toolbox to finance an acquisition to grow their footprint,” says Curt Rocca with DCA Partners. “It will be interesting to watch how this law affects the pace of For much of the past decade, venture capitalists showered dollars upon clean-technology startups with promising-sounding ideas in areas like solar, electric cars and biofuels. That era appears to have ended.

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Budgeting and Planning for a Loan4 August 2016 Applying for a loan responsibly means figuring out what you can and can’t afford before you apply. Some loans, such as home loans, depend on more than just income – lenders may also want proof that you’re a good saver with good credit history. The best way to take charge of your finances is to establish a monthly budget. A budget will enable you to direct your finances to priority areas whilst alerting you to expensive habits you didn’t know you had (find an alternative to your store-bought coffee habit!) Setting up a budget before applying for a loan will stand you in good stead financially. Why? The longer it takes to repay the loan, the more interest you will have to pay. A monthly budget will help you to determine how much you can reasonably afford to repay each month. Thinking about your finances can seem overwhelming, but establishing a budget doesn’t have to be. Follow these Ezi steps to make budget-angst a thing of the past. - Work out your income You might know what your salary is, but after you take into account superannuation and tax, this final figure can look markedly different. Collect your banking and financial statements and then do the math. This process may be the most tedious, but it’s essential to help you save. - Define your goal Some people might have a monetary target in mind; others may simply aspire to be free of debt. Whatever your end-goal may be, it should be firmly fixed in your mind when you plan your budget. Having a goal makes it easier to stick to your budget, and to track your saving progress. - Plan for fixed and variable expenses It’s important to know how to categorise your spending: fixed expenses are those that don’t fluctuate from week-to-week (e.g. rent and insurance) while variable expenses are subject to change and represent your daily, weekly or monthly spending decisions (e.g. will you spend $50 or $200 on dining-out this month?) - Don’t forget about one-off expenses One-off expenses may happen less frequently (hence the name), but they can make a big dent in your savings. These expenses can include gift giving or unexpected visits to the doctor. Budgeting for one-off expenses can be hard because life is unpredictable, but if you budget around a certain minimum, you’ll be less likely to be caught off-guard. - Track your progress A budget is not something you can wash your hands of after it has been established – it requires dedication and constant monitoring. You can track your progress by making notes, keeping receipts and tweaking your budget as you see fit. Don’t be ashamed to tweak – it is important to be realistic! - Borrowing Power Having established what you can comfortably repay to afford your next big purchase, your friendly Ezilend consultant can establish your “borrowing power” for you before you commit to a contract to buy. This is the maximum loan amount taking into consideration variables such as loan term, rates, fees and balloon payments that you can borrow. This way, with a pre approval in place, you can strike the best deal possible. Now, to get started… Use this simple worksheet to plan your monthly budget!

Personal Finance

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Confession time: I’ve spent my life quitting jobs and avoiding full-time employment. In fact, since my first job 35 years ago, I’ve never been employed full-time for more than a few weeks. I’ve enjoyed many jobs for short periods of time, but I actually hate traditional employment. You might secretly feel the same. You might say “I hate my job” whenever you have to go to work. You may suspect you’ll hate any future replacements. But you still have to pay bills, so what can you do? What Should You Do If You Hate Your Job? Assuming you want to avoid living in poverty as a strategy (although it worked for me for a while), here are some other options for what to do when you hate your job. Reduce Your Fixed Expenses If you live on less, you can cut your hours or replace your full-time job with a part-time one. Alternately, you could save enough money to allow you to simply quit jobs more often — either for a break or to look for better ones. Stop spending money on gadgets, meals out and other discretionary expenses. But cutting back in these areas might not make a big enough dent in your budget, since you have to pay rent, car payments and other big expenses regularly. So first, look for ways to reduce large fixed expenses. Develop New Income Sources If your ultimate goal is to never need a job again, you have to develop other sources of income. Here are some basic categories of non-employment income: Start your own business Try to diversify how you make money. For example, my dozen income sources one year included freelance writing, income from websites, hard money loan interest and more than $3,000 from credit card and bank sign-up bonuses. Room rentals paid off my first mortgage, so I cut back to one or two weekly work days, living largely off rental income. Your ultimate goal is to develop enough income to completely replace your paycheck. But if you cut expenses and generate even some non-employment income, you can work less or change how you use your jobs to make them more tolerable. Work Only Part-Time Jobs Once you develop enough extra income, you’ll have the freedom to work only two or three days per week. If it’s not possible with your current employer, find a different part-time job. Or just quit and take a break, which leads to your next option. Make All Jobs Temporary I’ve never considered a job as more than a temporary assignment — a way to make enough money to quit and take some time off before the next assignment. This approach makes jobs much more tolerable. To be safe, wait until you have enough money coming in from other income sources, so the paycheck from any job will cover the rest of your living expenses. You can also sign up at a temporary job agency. Some offer “day labor” positions that are low-pay, but you can take them as needed. Others offer placement in potentially permanent positions, but you can always quit when you’ve had enough. Live Well on Less If you learn and use strategies to live like you’re rich on a small budget, you have many of the above options available — even if you only develop a little non-job income. Get Rich Quick and Quit Forever If you commit yourself to getting rich early in life — and succeed — you can quit work. Just invest your money and live on the returns. If that appeals to you, look over some real-life examples of the fastest ways to make $1 million, or check out this story of a couple who retired in their 30s to live off their investments. Steve Gillman is the author of “101 Weird Ways to Make Money” and creator of EveryWayToMakeMoney.com. He’s been a repo man, walking stick carver, search engine evaluator, house flipper, tram driver, process server, mock juror and roulette croupier, but of more than 100 ways he has made money, writing is his favorite (so far).

Personal Finance

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The Cost to the Company refers to the salary or package you are annually getting from an organization. If you are getting a good CTC from the company you must pay the tax on yearly basis, based upon your present CTC. If you are paying an excess tax and planning to avail the tax benefits here we are coming up with some special tips and tricks that can save you from paying excess tax. What is CTC Planning? - We probably need to pay an excess tax - How to set a CTC in different way to reduce the burden of tax - Increasing salary and paying less tax. To solve these specific problems here we have CTC optimizer. Lets us have a look on CTC optimizer. Know exactly what will CTC Optimizer will do for us. The tax burden is the heaviest thing when one is earning some good income. Now a days the salary was offering to employees on Cost to the Company basis. If any of the employees are looking to get rid of the tax burden than they must aware of CTC Optimizer plans. This will expand your fundamental part of your pay and falls in the greatest income tax rate. Which is the reason, while arranging your salary package with your manager, you ought to attempt to boost your salary and minimize your tax outgo. There could be a probability that your manager must have a set structure, still there are entirely likely risks that still you can best use of procurements of pay assessment and recovery enormous rate of tax. Use online CTC Optimizer figured on the month to month and yearly mode helps you attempt various changes and mixes within the salary and repayment heads, surveying you in let your Tax Deducted at Source on the month to month, Present CTC Tax Structure and Proposed CTC Tax Structure. Our online report will recommend you with the most ideal pay structure you can ask from your boss. What are the Uses of CTC Optimizer? - Present CTC Tax Structure - Monthly Salary Structure Sheet - Proposed CTC Tax Structure - Annual Income Statement - Monthly and Annual TDS Chart - Analysis of Present and Proposed Tax CTC Structure - Investment Tracker - Total monthly in hand income and tax payments - Reminder and Schedulers of Tax and Investment Commitments

Personal Finance

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What to Shred Keeping good personal records is helpful to many life situations. But to make sure that your papers don't take up too much space, consider this list of tips. Things you can shred and get rid of: - Annual reports for investments. Get them online if needed. - ATM or credit card receipts not needed for tax purposes. Reconcile your receipts with your statements, then save only the monthly statements – or access the statements online. - Expired insurance policies. - Expired warranties. - Monthly or quarterly 401(k) statements. Make sure they are correct, then keep only the year-end statements. Better yet, access them online. - Most paycheck stubs – keep only the last one of each year. - Tax return documentation older than seven years, unless it deals with a taxable investment or asset that you still own. - Deposit slips. As soon as you check them against your monthly statement, shred them. - Household bills older than one year. For services that you have cancelled, keep the final bill and any proof of its payment. - Old wills, trust and powers of attorney that have been replaced by newer versions. Things to keep: - Paperwork concerning vehicles you still own – registrations, maintenance and repair receipts, warranties, owner’s manuals, titles. - Credit card statements. You need to have seven years’ worth of credit card statements to support your tax returns. Consider accessing yours online rather than keeping paper copies. - Receipts for the purchase of items of value. - Paperwork showing that you have paid off a loan. - Mortgage paperwork or your lease agreement if you rent your home. - Home improvement and repair records. - Records of taxable investments – you want a record of how much you initially paid for the investment. Keep statements for as long as you own the investment, plus seven years after you sell it. - Records of IRA contributions. - Tax returns. You can toss supporting documentation after seven years but keep the returns. - Vital records such as birth and death certificates, adoption papers, marriage licenses, military service papers and divorce decrees. - Wills, powers of attorney and other legal documents. - Savings bonds, certificates of deposit, securities certificates and the like. - Current insurance policies. - Family health records. - Education records.

Personal Finance

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Whenever a corporate entity or an individual decides to establish a company in the United Arab Emirates (“UAE”), choosing the appropriate location is of vital importance for the future economic success. On the one hand, a distinction has to be made between the incorporation of a company in one of the numerous free zones and the incorporation of a company in the territory of the UAE, thus, outside a free zone. On the other hand, the most suitable of the seven Emirates of the UAE needs to be selected for the business venture. 1. Definition Of Free Zone And Territory Free zones are geographically defined areas in the territory of the UAE, wherein no customs duties accrue upon the import of goods or their re-export to other countries than the UAE. In these special economic zones, the laws of the UAE are only partially applicable. In particular, the regulations of any free zone authority enable (contrary to the laws in the territory of the UAE) non-UAE nationals or corporate entities to acquire sole ownership of limited liability companies incorporated in free zones. The remaining areas, which are not designated as free zones, can be defined as territory. Apart from statutory regulations which are applicable in all Emirates and, hence, constitute federal law, differences in administrative and regulatory procedures are to be observed between the individual Emirates. 2. Selection Criteria When selecting the appropriate location for the incorporation of a company, considerations under the company law, such as the possibility to acquire the sole ownership or at least a majority of the company shares should not play the decisive role. The exact definition of the medium and long-term objectives of the new company are of greater importance. These are determined by a multitude of factors, such as the company’s sales structure, the place of business of the most important customers of which the new company shall be in charge of as well as the possibility to participate in public tenders and the chances of being awarded a contract. 3. Typical Examples If a customer located in the territory of the UAE is unwilling to take care of the import of the goods on his own or does not dispose of the correct import code, the company itself has to arrange for the import and, therefore, requires an import code for the territory of the UAE and, consequently, a license issued for the territory. A free zone company would not be able to obtain such an import code. The location in a free zone would further not be suitable should services be executed outside the relevant free zone, for example installation or maintenance works on the premises of a customer in the territory. Finally, the choice of the specific Emirate can be crucial. Especially in case of companies in the oil and gas sector, main customers are most probably located in the Emirate of Abu Dhabi and access to their premises is generally merely granted after a certain gate pass has been issued. Such a gate pass is often only allotted to those applicants - apart from other requirements - who hold a residence visa issued in the Emirate of Abu Dhabi. Consequently, his employer, namely the company to be established, must be licensed in the Emirate of Abu Dhabi. Therefore, it is always essential that the desired activities can actually and legally be performed by the new company.

Personal Finance

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Right of Use Asset A right of use asset refers to the amount recognized by a lessee on its balance sheet that represents its right to use an asset under a lease contract. It is either presented on the face of the balance sheet or as part of fixed assets. Right of use asset is a new term introduced for leasehold assets by IFRS 16 Leases and ASC 842. A lessee initially measures a right of use asset at its cost which comprises of the following: - The amount of initial recognition of lease liability which in turn equals the present value of lease payments determined at the rate of interest implicit in the lease if readily available else at the lessee’s incremental borrowing rate. Lease payments mainly comprise of fixed payments and variable payments linked to some index or rate. - Lease payments made before commencement date minus any lease incentives. - Initial direct costs, and - Cost of dismantling and restoration. After initial recognition, a right of use asset is accounted for just like an acquired asset. However, it is remeasured whenever there is a remeasurement of lease liability due to change in lease payments. Nashpa Power has entered into a power purchase agreement with government of a South Asian country. Under the agreement, it will develop a power complex, operate it for 20 years and transfer it for a nominal amount to the government at the end of the 20 year period. For the purpose of construction of the power complex, the company has obtained land on 20-year lease. At the inception of the lease, i.e. on 1 July 20X8, the company paid an amount of PKR 100 million. From the commencement date of the lease, which is 1 Jan 20X9, the Company is required to pay annual rentals of PKR 10 million plus 1% of its revenue in advance. The company incurred a cost of PKR 50 million in finalizing the lease half of which represents allocation of the common costs and overheads. The company is not obligated for any restoration or dismantling costs. The applicable incremental borrowing rate is 8%. The cost of a right of use asset can be expressed as follows: ROU Asset = L + P + I + D L is the amount at which the associated lease liability is recognized. It equals the present value of lease payments at the commencement date. In this case, lease payments include fixed payments but not the variable payments because those are not linked to an index or rate. You can verify that the present value equals PKR 106 million. P stands for the payments made before commencement date. In this example, these amount to PKR 100 million. I represents the initial direct costs. These include only directly attributable costs; hence the allocation of common costs would not qualify for capitalization. D is the estimated cost of dismantling and restoration. In this case there are no such costs. Nashpa Power shall recognize a right of use asset at commencement date (i.e. 1 Jan 20X9) of PKR 231 million. = PKR 106M + PKR 100M + PKR 25M + 0 = PKR 231M The company can present the asset either on the face of its statement of financial position or in the notes as part of a class of property, plant and equipment in which it would be included had it been acquired. The right of use asset is depreciated over a period which is shorter of the lease term and its useful life. by Obaidullah Jan, ACA, CFA and last modified on

Personal Finance

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Do you want to take control of your finances and become better at managing your hard earned money? Then you should definitely read these effective strategies in order to improve your finances right away. 1. Create a budget You should definitely start budgeting when you are struggling to handle your finances. Create a simple plan for how to spend your dollars each month. This plan should be based on how much you earn and spend monthly. Your future will look brighter if you start writing down your income and all your monthly expenses. After that, subtract your expenses from your income in order to determine your discretionary spending. At the start of every single month, plan a budget to allocate how discretionary funds get spent. Track the spending over the course of the month, and at the end of the month, determine whether you stuck to that budget. Pro tip: If you actually spend more than you planned to do, you should fix your budget by cutting unnecessary expenses or earning more. Implement the revised budget to the next month to successfully live within your means.

Personal Finance

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Starting Early with Financial Planning Financial planning is the most necessary and primary activity for every person. Financial planning is necessary as to secure your future and accomplish your goal you desire. Everyone should make financial planning from the very beginning. Young people are very dynamic and ambitious. If you start early with financial planning it will lead you to achieve your financial planning. Here are some tips were given which help you to make a good financial planner as prescribed below: - Every person has their own financial planning as the income of all are different and your financial planning is mainly based on the income how much you earned and what types of your expenses are? So it is very necessary to make a financial plan by considering your earnings. - First of all, how much you should save from your earning. There is no perfect answer for this. One should save your income as much as possible for you. However, it can’t impact adversely on your life. - You should first buy an insurance policy to secure your life. It’s a most important part of your financial planning. In a case of your accidental death, your family will not feel the financial planning. - Another way is to save money is to make an estimate of your monthly regular expenditures like your primary needs expenses, television package, newspaper & magazine subscription, travelling expenses, cell phone bill, etc. If you don’t need more far for anything you should cut down those costs and try to save money. - If you have any loan and you pay interest on it, you should get rid of this loan and it will stop the payment of interest on a loan. - One can set up a saving fund like a fixed deposit in banks, saving own at your home or bank balance, etc. If you start this financial planning from the very beginning you can’t feel a financial burden in the future. When you are young there are so many opportunities to earn money as well as to save it properly as to secure a future. So set a goal for your life and start to save money for future and accomplish your goal. Most Searching Terms: - Starting Early with Financial Planning - Personal Financial Planning Software for Advisors - Golden Years Financial Planning - How to Start Financial Planning Business

Personal Finance

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SCOPE AND METHODOLOGY The scope of the audit covered the WAM components and its various data bases. Our audit was designed to determine if WAM accurately identifies workforce needs at POEs, and produces accurate and useful analyses of those workforce needs. The period covered by this audit was October 1, 1994, through November 30, 1995. We performed the audit in accordance with generally accepted government auditing standards and included tests and procedures necessary to accomplish the objectives. However, we may not be considered by others to be completely independent of INS as required by the standards, because INS has reimbursed us for work that pertained to INS fee-supported programs. The Office of Management and Budget and the Department of Justice (including the OIG, INS, and the Justice Management Division) disagree with INS funding our work and are attempting to have the funds appropriated directly to the OIG. In FY 1996, the OIG received $5 million for fee-related audits, investigations, and inspections. That dollar amount funded approximately 14 percent of the total OIG staff positions. Nonetheless, we consider ourselves independent and do not believe that our reimbursement arrangements with INS have had any effect with regard to our conduct of this audit. To select a sample of INS ports that used or could use WAM, we compiled a list of 213 POEs from INS's Statistical Yearbooks, FYs 1990 through 1993, and from INS's Augmentation Report dated July 5, 1995. Using this list, we isolated all sites where inspections were reported during FY 1993 8 and matched those against a list of respective POEs. Three distinctive groups of POEs were eliminated from our list for the following reasons: six POEs would require travel outside the U.S. or Canada; eleven sites reported performing inspections, but there were no inspectors assigned to those respective ports; 9 and sixty-two sites were land border POEs staffed with four or less inspectors. Therefore, they were considered too small by Headquarters Inspections to utilize WAM. The result was a modified universe of 134 POEs. We then randomly selected our sample of 41 POEs. The table on the following page provides a detailed listing of the POEs in our 8 FY 1994 data were not available until December 1995. 9 INS explained there were some land border POEs which were covered solely by the Border Patrol or U.S. Customs Service.

Personal Finance

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Currently it is not possible under ODF v1.2. The cross-reference feature makes use of either bookmarks or reference marks as described under §6.2 (anchoring part) and §7.7.5-7.7.6 (citation part). The two methods are similar in that both offer elements for a point anchor ( <text:reference-mark>) as well as a pair of elements for a range anchor ( <text:reference-mark-end>). These destinations can then be cross-referenced by a citing element ( <text:reference-mark-ref>). The definitions all state that each is usable within the following elements: <text:a>, <text:h>, <text:meta>, <text:meta-field>, <text:p>, <text:ruby-base>, and <text:span>. In the case of a cross-reference to a heading, for example, a bookmark will be used. On the other hand (because it is not possible to insert an anchoring mark directly into a frame), setting an anchor in the text adjacent to a frame (via Insert > Cross-reference… > Cross-references tab > Set reference and pointing to the named Draw object) results in a reference-mark being used. This is not ideal though and is little different to using any other type of text element (e.g., caption, heading, etc.) as a substitute anchor. In order for a cross-reference to be made to a Draw object (text box) or Text frame, ODF will first have to be extended to allow for the indicated tags to be usable within the <draw:frame> element (which encloses the You can drag-n-drop a Draw object entry from the Navigator to the text and create a hyperlink to the object, however this also does not appear to be working (it may be related to fdo#36310 as I indicate in my answer here). A possible partial workaround is to use a Text frame (Insert > Frame…), as that is effectively what a text box is anyway. Text frames inserted via the menu indicated are automatically numbered / named, and while they are a little more cumbersome to use, the drag-n-drop from Navigator does produce a viable hyperlink, but again, are not currently cross-referencable. Any Extended version of ODF could be altered in the interim to incorporate the required changes, as these versions of the specification are designed to allow for temporary including of additional features. Hyperlinks make use of the <text:a> element rather than the cross-reference elements indicated.

Data Visualization and Analysis

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As the complexity and volume of health care data continues its rapid growth, the Agency has sought new methods and tools to manage and extract meaning from the data that it collects. One such approach is the use of Visual Analytics. This type of data analysis integrates new computational and theory-based tools with innovative interactive techniques and visual representations. Our analysts and data scientists are now able to provide answers to the increasingly difficult questions associated with the management of the Florida Medicaid program. The Medicaid Data Visualization Series is a reflection of the management questions that are being asked every day. It is intended to not only answer the questions of Agency leadership, but to provide Florida’s citizens with the ability to answer topical questions through the interactivity of the reports. Below are links to the reports.

Data Visualization and Analysis

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It’s snacktime again with Scoring Notes Snacks, where we take music notation software topics and make them into bite-size portions for you to enjoy. With Snacks, we’re keeping it brief and getting back to basics. This one is about dynamic text in Sibelius. Learn how to quickly enter and modify dynamics with common shortcuts. A transcript follows. Happy snacking! Our topic is dynamic text in Sibelius. Text dynamics such as pianissimo and forte are a type of Expression text in Sibelius. The fastest way to create this type of text is to select the note where you want the dynamic, and type Command+E on Mac or Ctrl+E on Windows. Then keep the Command or Ctrl key pressed, and type the dynamic letter, such as p, f, m, or s. The less common ones r and n also work. For z, you’ll need to hold down Shift and Alt as well, so that you don’t trigger the Command- or Ctrl-Z shortcut for Undo. You can type as many of these characters as you like. You can also right-click while the cursor is flashing to select the most common ones. After you enter a dynamic, you can then release the Command or Ctrl key and continue to type anything you like as ordinary Expression text. Crescendo and diminuendo abbreviations have their own shortcuts of Command or Ctrl+Shift+C and D, respectively, so it’s very easy to create a combined expression such as piano – crescendo or forte – diminuendo. You can apply a dynamic to many staves at once, by making a selection. Sibelius puts the dynamic on the first note that appears in each staff, even if they are at different positions. You can change these dynamics all at once. Make a selection and filter the dynamics by pressing the shortcut Alt+Shift+D. Then press Return. The blinking cursor will appear, and you can change the dynamic by typing something. Another way to change dynamics is to use the Change Dynamics plug-in, which comes with Sibelius. You can get to it by searching for it in the Ribbon. This plug-in is a quick way to change all of your dynamics one level louder or softer. If you’ve put in your dynamics as ordinary text and you wish to change them all to dynamic text, you can use this plug-in to do that, too.

Data Visualization and Analysis

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Typography is an element that is vital for any interface. More than once we have considered its impact. It is able to benefit website design from numerous angles: not only is it a tool for displaying the content but also an instrument for enriching user experience. The more so, when the beloved trio (CSS, HTML, and JS) is involved, it seems the sky’s the limit. With such a vast potential at your fingertips, it is tough to resist the temptation to transform plain lettering into something awe-inspiring and prodigious and provide it with an exceptional behavior. Today we have rounded up a small list of 20 outstanding typography animations that can give zest to any lettering, whether you need to put emphasis on a title, separate elements from the content flow or just place some focus anchors. Some of them demonstrate the possibilities of cutting-edge techniques such as WebGL or Three.js; others make the most of CSS and HTML. Typography Animation by Georgi Nikoloff Although the script is quite heavy and forces the CPU to work as hard as ever, this particle animation looks exciting and pioneering. Here dots quickly form letters, giving a digital vibe to any interface. It is suitable for any tech-related project or personal portfolio. Interactive Typography Effects This pen includes four different typography effects that add to any lettering a strong interactive appeal. Each one is triggered by the mouse cursor so you can use it not only as a tool for injecting spice into the title, but also as a small playground for visitors. Vintage Typeface by Thibault Jan Beyer Typefaces with an old-time feeling quite often find their application not only in retro designs but also in modern ones thanks to their charming appearance. There are a ton of them out there, but this one is worthy of attention since it is constructed with the help of CSS that makes it lightweight, pretty flexible and well-suited to numerous projects. Typography Animation by Kenji Saito Text Animation: Montserrat by Claire Larsen Line art is in vogue these days, and outline typography is one of those that prettify numerous websites. The text animation by Claire Larsen features a beautiful composite font that never stands still thereby radiating a subtle sense of motion and looking extremely stylish. BackLight Text by Goran Rakic The effect was achieved with the help of Canvas and Vanilla.js. Although it does not work properly in FireFox, to say nothing about some other browsers like Internet Explorer; nevertheless much like in the first example, its beauty lies precisely in its pioneering approach and splendid execution that one day may become viable. Magnetype by Bennett Feely The animation is perfect for splash pages, opening speeches or primary titles. It is bright, flat, dynamic and highly engaging. Use it to highlight title or logotype. SVG Text Animation by Nirajan Basnet The effect looks pretty similar to a previous example in our collection, yet with some minor differences, like the number of shades or blank spaces that are used. All the lines move in one direction achieving a continuous harmonious flow. In/out of focus text effect by Jonny Scholes Using just HTML and CSS features, Jonny Scholes has managed to create this elegant and sophisticated trick with text. It is pretty practical and can easily enhance lots of projects. Sketch.js + CoffeePhysics Awesomeness by dhaakon This is another brilliant particle animation in our collection that will knock your socks off. Combining powerful possibilities of Sketch.js and CoffeePhysics, the author has come up with such a remarkable solution. 3d Text Effect – mouse move by Dennis Garrn Dennis Garrn has succeeded in recreating a traditional anaglyphic effect that can be seen in movie theaters. He also leverages parallax to add some realism to the letters and make the overall impact more profound. Circles, text and getImageData by Rachel Smith This is an interesting take on particle animation. Rachel Smith has created an interfusion of tiny flat circles that form any word entered into the field below. At first, it is just a canvas with chaotically moving vibrant bubbles; all the magic begins after clicking on the CTA. 3D extrude text effect- CSS only by Pete Leidy This is just a multiple shadow technique applied to the Google font that is available free of charge. The solution is simple yet as is often the case, outstanding and exceptional. The lettering is massive, bold and strong. You can adapt it both to retro designs and contemporary ones. Particle text animation by Hendry Sadrak Not only does Hendry Sadrak blow your mind with a unique particle animation but also explodes the word that is featured at the beginning, transforming it into a cloud of chaotic particles that can boast quite a natural behavior. Codedoodl.es text animation by Guillaume Rouxel The effect is slightly reminiscent of a traditional information display board with its constant shiftings of letters and numbers. It is a clean and neat reproduction that is ideal for demonstrating logotypes or short titles on the landing page. THREE Text Animation by Szenia Zadvornykh THREE Text Animation is overwhelming in a positive way. Three.js powers it and it means that this is an advanced piece of work with extraordinary behavior. The text effect is just incredible: it easily grabs the overall attention and directs it towards the desired word. What’s more, you are allowed to interact with the animation by clicking and dragging on it. Fabric typography generator by mxmx This small generator lets you produce a pretty nifty effect that skillfully imitates a fabric texture with a 3D feeling. You can control such parameters as density, easing, roughness, and flexibility to achieve the desired outcome. xgvsn by Shaman Tito This is a small collection of beautiful and practical effects that are constructed by means of CSS3 and jQuery. While all the solutions are rather standard and typical, all of them can boast of cross browser support that is a must-have nowadays. Typed Animated Hero by Josh Cummings Josh Cummings offers a simple yet elegant way to give some spice to the landing page, using just a regular typeface and a basic typing animation. The effect has a strong techno vibe, so it goes perfectly well with any web development portfolio. 3D CSS Typography by Noah Blon It is always a pleasure to stumble upon typography that is powered only by CSS3. Noah Blon goes even further: not only does he recreate a 3D text but also has supplied it with a subtle yet noticeable parallax effect to strengthen the impact. Although the majority of the above listed examples work only in Chrome and experience some problems in other popular browsers, it is a start and even a huge leap forward towards more dynamic and interactive typography. What example do you find the most impressive? Most practical? Most pioneering? Do you prefer static or dynamic typography when it comes to drawing attention?

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The Button control helps you easily design and customize buttons without the need for any other plugins or shortcodes. Add Button to the page Firstly, find the Button control in the controls add panel,. Then, drag and drop it into a section or container on your page. Set contents of Button Select content tab from the control's settings panel, and select button section: - Text: Enter the button’s text, or set the dynamic text with expression editor. - Tooltip: Set the text as the tooltip of this button. - Alignment: Align the button to the left, center, right, or justified in relation to its column. - Size: Select the preset button sizes, from Extra Small to Extra Large (see padding default details at the bottom of this document) - Icon: Select a icon to display on the button - Position: Set the icon to appear before or after the button text - Space: Adjust the amount of space between the icon and the button text Actions for button clicking When the button is clicked, there are 2 options you can decide to use: Execute an action, or Set a URL as the button’s link. Execute an action Select Action from the dropdown of the Execute Type. Then, bind a pre-defined action from the Action dropdown list, or create a new action. As an example, you can create an action call "Total Amount Check" with a confirm dialog step configured to show message if the total expense's value is greater than 1,000. Then you select this action in your action dropdown list: After it's set, when the user click the button on the form, this action will be called. The user will see a prompt dialog if the value of the total expense field is greater than 1,000. You can set multiple steps in your action to execute more complex logics behind. Select Link from the dropdown of the Execute Type and set the URL for the button’s link. Click the cog to set the link to open in a new window. Set Styles of Button - Typography: Change the default typography options for the button’s text - Text Shadow: Add a shadow and blur to the button’s text - Text Color: Select the color of the button’s text - Background Color: Select the button’s background color for both Normal, Hover and Click states. You may use a solid or gradient color - Border Type: Select the type of border to use around the button - Width: Control the thickness of the border around the button - Color: Choose the border’s color - Radius: Set the border radius to control corner roundness - Shadow: Set options to apply a box shadow on the button - Spacing: Change the padding settings of the button Set the Advanced options that are applicable to this control. Button Preset Sizes: Padding Defaults Top, Left, Bottom, Right - Extra Small: 10px, 20px, 10px, 20px - Small: 12px, 24px, 12px, 24px - Medium: 15px, 30px, 15px, 30px - Large: 20px, 40px, 20px, 40px - Extra Large: 25px, 50px, 25px, 50px

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By Kim Anderson and Chor-Ching Fan Inventory is the most important part of sensor maintenance, because without it, it wouldn’t be possible to carry out any other steps of the maintenance process. It gets difficult to track the locations and statuses of individual sensors when there are thousands of them deployed, as is common in large areas. There are easily thousands of sensors in a place like a college or a city street. However, it’s necessary to track sensors individually, because each has their own job to do and their own maintenance needs. You can think of sensors like people on a team. On a marketing team, you have members with different names, job titles, and roles. There are graphic designers, copywriters, web developers, and strategists, to name a few. The marketing team has a common project goal, but each member has their own unique part to play in reaching that goal. If one person doesn’t do their part, the project will be undeliverable or won’t meet the performance expectations. The same is true of sensors deployed within an organization. If one sensor fails, automated operations can quickly fall apart, leading to security threats, health and safety issues, and other unexpected emergencies. It’s a marketing team manager’s job to make sure that every team member has the resources they need to do their job effectively and to help them deal with any roadblocks that might prevent them from getting their job done. When each team member delivers successfully in their role, the whole team succeeds. All organizations should have employees assigned to manage sensors, in the same way that a marketing director manages their team members, by ensuring that they are equipped to carry out their jobs for successful automation operations. So just like people, every sensor should have their own name, called a unique identifier, that they can be tracked by for management purposes. In a sensor management software system, where sensors and IoT devices can be registered, viewed, edited, and tracked all in in one place, the sensor type should also be listed. The sensor type can be thought of as a job title, because it lets us know what kind of role the sensor plays in data collection. A large office building may have a sensor with the unique identifier Employee Temp—Floor 3 and its sensor type listed as “temperature.” This would indicate that this particular sensor is a temperature sensor deployed in the employee workspace on the third floor of the building. Sensor management systems also keep track of the “place” sensors are deployed, which is the name of the facility or area where it’s located. The place of the Employee Temp—Floor 3 sensor could be listed as Corporate Headquarters. Additionally, sensor management systems can organize sensors by location, assign users to manage the sensors in one or more locations, and provide maintenance alerts for each unique identifier, such as privacy and security updates. Privacy and security updates for sensors can include things like new software installs and replacement to keep up with regulatory changes. inQ, a trusted partner in sensor management solutions, can help your organization with unique identifier creation, assigning maintenance responsibilities, analyzing sensor security and operations, staying compliant, and more. If you’re looking to achieve automation confidence, contact us.

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About this lesson The X-bar and Range chart is the most commonly used variable data control chart. When discussing SPC, this is always the example. This lesson explains how the data is recorded and interpreted on the chart. The lesson describes how to create this control chart in both Microsoft Excel and using Minitab. The lesson will include practice creating the chart. The Xbar-R chart (Subgroup Mean and Range) are the variable data control chart to be used when working with a subgroup sample of two to ten units. It can be easily created in either Microsoft Excel or Minitab. When to use Use the Xbar-R Chart when seeking to control a product or process variable parameter. It is the most commonly used variable data control chart. It can be used with both high volume and low volume processes. It is more sensitive to shifts in the mean than the I-MR chart. And it is quite easy to do the math associated with calculating the control limits. The Xbar-R is comprised of a pair of control charts. These are normally aligned so that the Subgroup Mean (Xbar) chart is directly above the Range chart. This aids in the recognition of special cause occurrences. The Subgroup Mean chart plots the average value of the data points that were used to sample the subgroup. The Range chart plots the value of the difference between the largest point and the smallest point in the subgroup data points. Therefore the Range value is always a positive number – even if all the data values were negative numbers. Xbar-R Charts can be created in Microsoft Excel or in Minitab. Within Minitab, control charts are created by using the “Stat” pull down menu, then selecting “Control Charts.” Within the Control Charts window, select “Variable Charts for Subgroups” and then finally select “Xbar-R.” In the Minitab Xbar-R Chart panel, you will need to select the data columns with your data. If all the data is in one column, you will need to tell Minitab how many data points are in each subgroup. If creating the Xbar-R Chart in Excel: - Measure the attribute for the first item in the subgroup sample and record the data in a column in Excel. Then measure the next item in the subgroup sample and record that in the next column. By doing this, each row in Excel represents a subgroup. - In an adjacent column, calculate the Mean for each subgroup and then calculate the range from the smallest to the largest data point in the subgroup. These will be the values that are plotted. - Calculate the global mean for all the data points and the mean for the Range values. - Calculate the upper and lower control limits for the Range plot. The lower control limit is zero for this chart if the number of data points in the subgroup is seven or less. - If the Range plot shows an out of control condition, it must be corrected before proceeding to the Subgroup Mean plot, since that plot relies on the mean of the Range in its control limit calculations. - Now calculate the control limits for the Subgroup Mean data points. - Plot the Subgroup mean, Range, the calculated Means and the control limits. - Take appropriate actions to remove special causes or to center your data within the customer spec limits. Hints & tips - Remember you are plotting the mean of the data, not the actual data. - Be sure to use the subgroup sample size when selecting the A2, d3 and d4 constant values. - Don’t select arbitrary subgroups, they should relate to the physical process or calendar groupings. Lesson notes are only available for subscribers. PMI, PMP, CAPM and PMBOK are registered marks of the Project Management Institute, Inc.

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Google Earth in Tandem Your friends can now follow along with you in Google Earth - a friend - Skype (voice/video over ip) - Unype (little app) Synchronising two users with Google Earth installed on each others pc, using the popular skype program to send the information and unype sends basic kml to the viewers google earth app. Good for demo's and showing friends places. more info and video

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I’m working on a new CV layout, one with a narrow column on the left and a wider column on the right for the main content. This is one of the standard column layouts under the Format/Columns menu. What I’d like to do is set the background colour of the left hand column so that it stands out from the main column. It can be done by selecting the text, right clicking on the selected text and choosing the “Paragraph …” menu item, then Area, Colour and selecting a background colour. However, this leads to bullet-pointed text being partly the selected colour and partly white, like this: Ideally, I’d like the whole column to be blue. I can’t set the page colour as this affects the main column. Any ideas how to approach this? I’m open to the use of text boxes or frames but my experiments so far have not been successful. (inline display enabled by ajlittoz)

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For the Week 2 Microsoft Excel Module 1 Lab Assignment, you will develop a first quarter revenue analysis for Lindsey’s Shoe Barn. HINT: The finished Lab Assignment should include 3 worksheets. Problem: You work as an administrative assistant for the central office of Lindsey’s Shoe Barn, which has four regional shops in the state of Georgia. Your district manager has asked you to develop a first quarter revenue analysis. Perform the following tasks: - Open Excel and create a new workbook. Create a worksheet (should be the first worksheet of the workbook) with your name in cell A1, date in cell A2, course in cell A3, instructor name in cell A4, and assignment name in cell A5. Name this worksheet “Module 1 Lab Assignment Info”. Create a worksheet. Name the worksheet “First Quarter Revenue Data”, and change the worksheet tab color to a shade of green. Enter the worksheet title, Lindsey’s Shoe Barn, in cell A1 and the worksheet subtitle, First Quarter Revenue Analysis, in cell A2. Beginning in row 4, enter the region data shown below: (data in link ) - Create totals for each region, product, and company grand total. HINT: You will have column TOTALS and row TOTALS. - Format the worksheet title with the Title cell style. Center and merge the title across columns A through F. - Format the worksheet subtitle to 16-point Calibri Light. Center and merge the subtitle across columns A through F. - Use Cell Styles to format the range A4:F4 with the Heading 3 cell style, the range B4:F4 with the Accent 1 cell style, and the range A10:F10 with the Total cell style. - Center the column titles in row 4. Apply the accounting number format to the ranges B5:F5 and B10:F10. Apply the comma style format to the range B6:F9. Adjust any column widths to the widest text entry in each column. - Select the ranges B4:E4 and B10:E10 and then insert a 3-D pie chart. Apply the Style 3 chart style to the chart. Move the chart to a new worksheet named “Revenue Analysis Chart”. Change the chart title to First Quarter Revenue Analysis. - Change the “First Quarter Revenue Data” worksheet orientation to landscape orientation. - Reorder the worksheets: (1) Lab 1 Assignment Info, (2) First Quarter Revenue Data, (3) Revenue Analysis Chart. - Update the author (use your name) and title (use ‘Student’) in the document properties.

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Mining approximate sequential patterns with gaps Online publication date: Wed, 06-May-2015 by Kelly K. Yip; David A. Nembhard International Journal of Data Mining, Modelling and Management (IJDMMM), Vol. 7, No. 2, 2015 Abstract: Time series data are found in diverse fields including, science, business, medicine and engineering. In this paper, we consider sequential pattern mining for categorical time series data that contain multiple independent time-series. Frequent patterns are considered important in a variety of applications. However, it is common for data to contain noise, and/or for the source process to have considerable variability. Conventional sequential pattern mining methods that use exact matching address, some but not all of these difficulties. Two general approaches used in previous studies to mine sequential patterns in data with noise are distance-based clustering and hidden Markov models. While these approaches are useful in mining frequent sequential patterns in noisy data, we further propose a framework (MWASP: multiple-width approximate sequential pattern mining) that uncovers frequent approximate sequential patterns with various widths. A mined pattern in this framework is representative of a group of sequences that follow the pattern's event flow order. This gives insight into the occurrence of the pattern longitudinally, as well as across the population. The pattern can be recognised as a common pattern across the multiple time series, time, or both. Online publication date: Wed, 06-May-2015 If you are not a subscriber and you just want to read the full contents of this article, buy online access here.Complimentary Subscribers, Editors or Members of the Editorial Board of the International Journal of Data Mining, Modelling and Management (IJDMMM): Login with your Inderscience username and password: Want to subscribe? A subscription gives you complete access to all articles in the current issue, as well as to all articles in the previous three years (where applicable). See our Orders page to subscribe. If you still need assistance, please email firstname.lastname@example.org

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selecting words with or without non-breaking space between them Kilgore Trout last edited by If I have a sentence with normal spaces and non-breaking spaces between the words the selection using the ctrl+shift button work differently. “All persons, living and dead, are purely coincidental.” Put non-breaking spaces around “and” to test it. If I place the cursor at the beginning of the sentence, hold CTRL+SHIFT then press RIGHT ARROW a couple of times, you can see that the selection works on individual words, except for “living and dead”, these three words are selected in one go. Non-breaking space works the same way as normal space for selections.

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Infographics, dashboards, and reports often need to highlight or visualize a single number. But how do you highlight a single number so that it has an impact and looks good? It can be a big challenge to make a lonely, single number look great. In this post, I show 12 different ways of representing a single number. Most of these visualizations have been created automatically using R. When to create a visualization to represent a single number There are a number of situations in which it can be advantageous to create a visualization to represent a single number: - To communicate with less numerate viewers/readers; - Infographics and dashboards commonly use one important number; - To attract the attention of distracted or busy viewers/readers; - To add some humanity or “color”, to create an emotional connection; - Or to increase the redundancy of the presentation (see Improve the Quality of Data Visualizations Using Redundancy). Option 1: Standard text formatting: font, size, style Sometimes the plain text is the best option. Make fonts big and simple so they stand out. 669 people died Option 2: Informative formatting Colors, bolding, emphasis, and other formatting options can be used to draw attention to figures and to communicate additional information. For example, the red font could draw attention to low results. Example: Sales declined by 23%. You can do this in a sentence or in a visualization, such as in the bar chart below, where color is used to encode statistical testing results. And you could also use informative formatting via a colored background for numbers, as in the visual confection below. In this instance, traffic-light coloring indicates the relative levels of performance of different departments in a supermarket. Option 3: Pie charts Proportions are often illustrated using pie charts with varying degrees of success. They can be particularly elegant for displaying single numbers that are proportions. Option 4: Donut charts Similarly with donut charts. It’s just a matter of taste. Option 5: Portion of an image The two-category pie chart and donut chart are special cases of a more general strategy, which is to show a portion of an image. Option 6: Overlaid images A twist on showing a portion of an image is to proportionally color an image. A common, but misleading, criticism of overlaid image visualizations and all the pictograph type of visualizations is that they are imprecise at best, and innumerate at worst. The three visualizations above have all been created to illustrate this point. The one on the left is not too bad. The President Trump approval visualization can readily be criticized in that the actual area shaded in blue is less than 37%. This is due to the greater amount of whitespace over the shoulders. Particularly problematic is the age visualization. This implicitly compares a number, 37, against some unknown and silly benchmark implied by the top of the image. While such criticisms are technically correct, they are misleading. Consider the “worst” of the visualizations, which shows the average age. The purpose of the visualization is simply to communicate to the viewer that the average age figure is in some way low. How low? This is communicated by the number at the base. If the actual correct number is shown, there is little prospect of the viewer being misled. However, showing a number without the visualization runs the risk that the viewer fails to notice the point at all. This leads to a much higher error. Furthermore, there are many contexts in which precision is not even important. How often is half a glass of wine actually precisely half a glass? Option 7: Countable pictographs While all pictographs have a bad reputation, in the case of the countable pictograph, it is quite undeserved. Countable pictographs achieve redundancy and thus likely improve the accuracy with which the underlying data is understood by the viewer. Option 8: Uncountable pictographs The goal of the uncountable pictograph is to suggest, in a graphical way, “big”. It is often most useful when next to a comparable countable pictograph. Option 9: Dials, gauges, and thermometers This data is from a study by the Pew Research Center. Go to the original report for a better visualization, which uses a thermometer. Option 10: Physical representations This photo, from The Guardian, shows 888,246 ceramic red poppies installed around the Tower of London. Each poppy represents a British or Colonial serviceman killed in World War I. It is the same basic idea as the uncountable pictograph but on a much grander scale. Option 11: Artwork/graphic design Option 12: Evocative collages And finally the most common of all approaches in marketing reporting is to find an image or images that in some way represent, or evoke, something relevant to the number. You can only create the visualizations in option 2 easily in Displayr. The visualizations in options 3 through 8 were all created using the open-source GitHub R packages /rhtmlPictographs and /flipPictographs, which were created by my colleagues Kyle and Carmen. Create your own visualizations Everyone can access the Displayr document used to create these visualizations here. To modify the visualizations with your own data, click on each visualization and either change the Inputs or modify the underlying R code (Properties > R CODE). Google’s gauge inspired the gauge in this post. I haven’t been able to find any copyright information for the beautiful Coca-cola photo. So, if you know where it is from, please tell me!

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Data Carpentry: Intro to R for Data Visualization This event is an example-driven 2-day workshop on February 24 and 25, 2022 for introduction to data visualization with R. Learners will start with basic information about R syntax and RStudio notebook interface, with a focus on visualization methods in R. Short tutorials alternate with hands-on practical exercises, and participants are encouraged both to help one another, and to try applying what they have learned to their own research problems between sessions. Dates: This event runs on February 24 and 25, 9:30AM - 12:30PM Prerequisites: No previous experience with programming required Registration Period: February 3 - February 23, 2022 Workshop website and link to registration: firstname.lastname@example.org (will update with the link when it's available)

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Any personal computer coding language is generally an artificially designed language which represents the pc computations. They are the method of communication involving the personal computer machine along with its customers. Learning a coding language is actually a complex job and could require lots of exercise and experience to master in it. To find out a pc coding language efficiently, several actions is usually necessary. Initially you require to determine the objective, why you would like to discover coding language, and what you would like to do after learning it. The different aspects of this query may be internet creating, scripting, software coding, text processing, issue solving, etc. After you are determined of the objective, you could select a 加拿大CS代写 to understand. C, for any start could be a wise decision as it is the basis of all top level programming dialects. ASP technology, Java scripts, and so on. could be an alternative choice for coding internet applications. It is possible to resources for understanding any particular coding dialects easily. There are lots of publications readily available for each computer language that you might want to discover. Even the world wide store house of knowledge, the internet is always accessible to you. You could go to some institute or might select to go after a qualified course to learn the respective coding language. There are numerous organizations offering easy packages for understanding a series of personal computer languages. Patience is really a major thing required once you learn a computer language. You might need to begin with the very basics and wind up building small applications after a few weeks of education. So persistence is required once you study a language. You might have to strive, practice properly and devote a lot of time to learn a language. Sometimes, coding may are most often annoying, but you’ll need to comprehend the reasoning and try to develop the logic. In the event you did not have the expected results right after numerous attempts, attempt to offer a break and loosen up for a while. Logics may strike your brain anytime. Once you have learnt a specific programming language, it’s constantly safer to learn an additional one, the better advanced one. Because the technologies is advancing daily, new dialects are created and launched with a quicker price. So there is no stopping back when you want to be a developer. There is certainly always some thing to find out and work on to suit your needs. Try learning the better advanced one when you find yourself completed the basics. This may certify you of more than one language and at the same time will build more rational energy and experience in you. There is a number of listings of language you could run into when opting to learn a language. Disputes will always be existing on which language is superior to another. It all depends on the purpose as well as the problem solving energy in the language. In addition, it is dependent upon the developer on how he will be able to put into action it. In the event you plan to operate as being a programmer, precisely what is wrmqmc and what exactly is demanded is easily the most necessary thing to think about when learning languages.

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Vowel is a video conferencing software that allows people to communicate in real-time. It can be used for meetings, conferences, presentations, and even for business meetings. How to use the Video conferencing software Vowel? In this article, we will explain how to use the Vowel software to create a video conference. Section topic: What is the difference between the online and offline version of Googles Chrome browser? Introduction: In this article, we will explain what is the difference between the offline and online version of Google Chrome. We will also discuss some of its features such as tabs, bookmarks and history. Why should you use Vowel? Vowel is a tool that helps you to write more concise and powerful copy. It can help you out with all your copywriting needs. You can use this tool to write the following: Vowel pricing: How much does Vowel cost? In the previous article, we discussed how the price of vowels is changing over time. How to contact Vowel customer support? The customer service team of Vowel is made up of people from different parts of the world, so it would be impossible for them to respond to every question in a timely manner. The best way to contact them is to use the contact form on their website. This content has been generated with the GPT-3 using Rytr. If you are the owner of the Vowel software, please claim it and edit the informations.

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To add a new chart to a document in Google Docs. Click the chart you want to add. How To Make A T Chart On Google Docs Tutorial Youtube To insert a line graph click on the Insert tab and then click on the arrow next to the Charts. T chart google doc. On your computer open a document or presentation in Google Docs or Google Slides. Enter into your Google Docs and click to open a blank page for creating an org chart. This is a tutorial of how to create a chart on Google Docs for collecting evidence to support a claim. How To Do A T Chart On Google Docs Written by Kupis on August 22 2020 in Chart How to create a pie chart in google docs google sheets charts into docs google sheets charts into docs google spreheets charts insert a google sheets spreheet. Insert a Chart in Google Docs. However you will need to edit the chart to enter your data. Googles web office suite. T chart template google docs Continue. Click the File tab on the top menu. Select the 3rd. Because there are no pre-made org chart templates or examples in Google Docs you have to start from scratch. Open the Google Docs file that you want to add a graph to. How to Edit Charts in Google Docs. Next select Add-ons at the top menu then click Get add-ons. This will add a default chart of the type selected. How to Make Bubble Chart in Google Doc Sheets. When you add a new. From the diagrams available select your preferred diagram to edit until you transform it into a family tree chart for your document. Httpbitlytarversub Subscribe to join the best students on the planet—-Have Instagram. In this column C controls the color and column D controls the size of Bubbles. Create and edit web-based documents spreadsheets and presentations. Click the spreadsheet with the chart you want to add then click Select. How to Create an Organizational Chart in Google Docs. Level up your project management skills. Open Google Docs and start a new document to work with by clicking Blank. Click the charts you want to import into your Google Slides document and indicate whether or not you want the chart to link to the spreadsheet. Docs is thoughtfully connected to other Google apps you love saving you time. If you dont have enough time to create your data chart immediately look for your required chart from our free chart templates in Google Docs presented above and download it so that you can customize it according to your needs. The steps involve opening your Google Doc and a Google Sheets document then combining them. Well look at how that works next. Step 3 Insert Line Graph Google Docs. Open a blank Google document on Your Google Docs go to the File tab click Chart on the drop-down menu and choose Bar. For this tutorial we will manually type the sample data. Adding charts might seem to be a very strenuous version of displaying data. You can never find these features if you go looking for them. If you dont want the chart linked to the spreadsheet uncheck. Choose the Gantt Chart Template for Google Sheets and click Select. Choose Templates and Customize. Then follow these simple steps. Click Insert from the menu. Place the cursor where you want to add the chart. How to Make a Chart in Google Docs. 2021 Google LLC. Head to Google Docs open your document and place your cursor where youd like the chart. Open the Drawing Window. Select the type of chart to use eg bar column line or pie. Just select the data and insert the Bubble chart from the. Click Insert Chart From Sheets. Go through this carefully. Reply to comments directly from Gmail embed charts from Google Sheets and easily share via Google Meet. ProCon T-Chart Pros Cons. How To Make A T Chart In Google Docs Written by Kupis on March 24 2020 in Chart Gantt chart in google docs template google sheets chart tutorial how to visualization basics berkeley. Install Lucidchart Diagrams since there is no default or free family tree template. With pie charts and bar graphs on the front it does look complicated to many viewers. Store documents online and access them from any computer. DM me your math problems. However adding charts using Google Docs is not difficult in any aspect. Google Slides T-Chart – YouTube. For successfully adding a chart in Google Docs you need to follow the steps that show you the method on how to make charts. You can also import an Excel sheet or Google worksheet from Google drive. Go to the Insert menu and select Chart. Once you have formatted your data its simple to make the Bubble chart. Open a Blank Page. Select the data once you have typed it on the spreadsheet. Unless otherwise noted SFUSD Math Core Curriculum is licensed under the Creative Commons Attribution 40 International License. A bar graph will be inserted on the page click the Open Source button on the upper right corner of the chart an untitled spreadsheet is open. Get high-quality lessons and templates completely free. Tutorial Chart In Google Docs Youtube How To Make A Chart On Google Docs Google Slides T Chart Youtube 30 Printable T Chart Templates Examples Templatearchive Gallery of 6+ Awesome T Chart Google Doc Related Posts for 6+ Awesome T Chart Google Doc - 10+ Creative Html Template For Video - 10+ Ideas Freight Invoice Format Excel - 7+ Best Web Design Storyboard Examples - 5+ Awesome Senior Operations Manager Resume - 5+ Fresh Sales Graph Per Week - 5+ Awesome Builder Spec Sheet Template - 9+ Amazing Prezi Template Download Free - 6+ Popular Coffee Shop Prestashop Templates - 10+ Fresh Talking Points Template Doc - 5+ Best Cash Envelope Template Free

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When it comes to word processing most think Microsoft Word, but there are other alternatives out there. Once I got into high school I learned that I could not get away with just a pen and a piece of paper, I needed to type things up on the computer. I was introduced to Microsoft Office 2003, I was amazed at the power of the program, I went home and asked my dad about it, then I learned the price. If you ever needed a word processor or any other office program and lacked the money to pay Microsoft, you know my problem. The only option I saw was to pirate a copy from Demonoid; I disliked the idea, but the price was too much. Then I found out that there were free alternatives. Well that is enough rambling. I found LibreOffice, an office program that had everything Microsoft had plus extendability. LibreOffice has a word processor, slide show creator, and spreadsheet processing. It supports Microsoft’s formats along with XML and a set of it’s own. The word processing capabilities are enough for most home users. With an intuitive interface that is easy to navigate and modify; you could format a paper, write a book, export documents as PDF files, create tables and chats, and just about anything you could with Microsoft Word. All of this is free. LibreOffice is a fork of OpenOffice.org and is open source. It works cross platform and can be modified from the source code, if you wish to change something you don’t like. One nice feature is the fact that it uses good old tool bars and drop down menus; in case you did not know, I hate Microsoft’s ribbon interface. LibreOffice has it’s problems, but it has enough power for most users. Microsoft Office can handle larger documents better and has best compatibility with other Microsoft products, but if you are looking for something on a budget, LibreOffice has the tools you need. I would like to get some feedback and know what you would like to see on this blog, it would be most appreciated.

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Intro to categories in Numbers on iPad You can organise a table into categories to view your data in totally new ways. For example, if you use a spreadsheet to track your company’s shirt sales, you can organise your data by sale date, salesperson, quantity, colour and more. You can create categories by selecting particular rows, or Numbers can organise your data automatically using values in one or more columns (called source columns) that you select. When you create a category, all rows that share a common value in the source column are treated as groups. For example, if you have a table that tracks shirt sales and categorises the data based on sale date, there might be a group for each month the data covers. All rows in a group would represent shirts sold in that month. You can summarise information in a categorised table using the summary row — a special row above each group (where the group name appears). When you select a cell in a summary row, you can add built-in functions like subtotal, count, average and more. A table can have one main category and up to four subcategories to create a hierarchy for your data. You can also temporarily turn categories off to view your original table or hide source columns while maintaining the categorisation. You can also add new groups to a category, rearrange groups and more. To organise and summarise data in even more ways, you can create a pivot table from a set of data. For more information, tap one of the links below.

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You can use these commands for give some general settings for the main menu. First of all, you have to indicate which level is to be used to create the menu: go to the sitemap and select the required level. The various items at this level will be used as items in the menu. When you have done this, you can select the options in the View box to work on: |▪||Main menu alignment / Hamburger Button alignment: these two options respectively define how the menu and hamburger button are aligned (Left, Center or Right), with respect to the space available for the Menu object. If the Menu object has been inserted in the template editor, the available space depends in the size of the object. If, on the other hand, the Menu object has been inserted in a page, the available space is determined by the size of the cell in the page layout table that it has been added to. | When there isn't enough space to display all the items, the menu is automatically replaced by the hamburger button. This also happens when the website is not responsive (indicated in Resolutions and Responsive Design). Remember, therefore, that the hamburger button can be used in desktop websites as an alternative to the traditional navigation menu. |▪||Always display the Hamburger Button: this allows the Hamburger Button to always be displayed instead of the main Navigation Menu, regardless of whether the available space is large enough to accommodate the expanded view of all the options.| The options in the Button style section are: |▪||Width: you can set the width in pixels of the buttons for the menu items.| |▪||Margin: you can specify the horizontal and vertical margins in pixels (the space between the button border and the text in the button).| |▪||Spacing: you can specify the outer margin in pixels (the space between each button).| When you define the width of the buttons, take into account the overall space available for this menu: this parameter can be changed if you are not using a default template (see Template Structure. |▪||Border: use this option to indicate the border thickness and corner bevel of the buttons. You can define each button individually.| The options in the Button text section are: |▪||Font Type: specifies the font, style and size to use for the text.| |▪||Alignment: you can specify how you want the text to be aligned in the button: to the Left, in the Center or to the Right.| You can now define the appearance of the single items in the main menu. First of all, select the Menu item you want to work on: Background, Menu Item, Item on mouseover, Item for Current Page, Separator. The following options are available in the Style section, depending on which menu item you have selected: |▪||Background color / Text color: define colors for the Background, the various states of the Menu Options, the Menu Separator, and the Hamburger Button.| |▪||Opacity: this sets the level of transparency of the menu object's background color. Values closer to 0 increase transparency, letting the page's background show through.| |▪||Border: this defines the color, thickness and bevel of the corners of the background border (all 4 corners or singularly). If you are working on the menu items in their various states, you can only define the border color: thickness and bevel values are taken from the parameters given in the Button style box.| |▪||Margin: this sets the value (in pixels) of the buttons' external horizontal and vertical margins. The margin determines the size of the menu's background.| |▪||Background image: you can specify the image to use as a background for the element you are working on. You can search the image on the File Selection window by clicking on the button and selecting from the available resources: you can use .JPG, .GIF, .PNG. formats.| |▪||Use the same settings as the Mouseover state / Use the same settings as the Menu Item: available, respectively, for the Item for Current Page and Hamburger Button elements, allow the use of the same options defined for the Item on mouseover or the Menu Item; otherwise these two elements can have different settings.| |▪||Effect: this option is only available for the Item on mouseover: it indicates the effect on the button on mouseover| |▪||Button text: this option applies a text style to the selected menu item or menu separator: Normal, Bold, Italics or Underlined. This style is in addition to the definitions given in the Button text box.| Read the guides:

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In version 2021.4, map layers were updated to allow each map layer to use a separate data source. This removes the need to create relationships or joins between your spatial files prior to using them in map layers. Creating a Three Layer Map In this video, I cover a brief history of making multiple layer maps in Tableau. I then step through how to use map layers in version 2021.4 to create a three-layer map with polygons, lines and points and also how to use the different map layer options such as: - Disable Selection and - Add to Zoom Extent The video also covers some basic map formatting, such as changing the background map and map layers shown in the view. You can interact with or download the workbook from Tableau Public here. This is the first video tutorial I’ve made so I’d be grateful for any constructive feedback you have, and also to know if you find these useful; how they could be improved; what other topics you think would be useful to cover; as well as any technical issues you notice (resolution, sound levels, speed etc.). Feel free to DM me on Twitter. Thank you! As always, thanks for reading… (and watching!)

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Comment on Tutorial - Using Excel 2007 Chart VB.net Picture Box By Issac Comment Added by : Marcio Rodrigues Comment Added at : 2009-11-27 05:07:09 Comment on Tutorial : Using Excel 2007 Chart VB.net Picture Box By Issac I need to put in a picturebox on VB .NET a excel Chart. I dont want to create a chart only show a Chart created on Excel. I think must be with cordinates... to show where the chart is on excel. Anyone knows how we can do that... im tired to search on web and nothing... - Data Science - Cloud Computing - Java Beans - Mac OS X - Office 365 - Tech Reviews Subscribe to Tutorials 1. can this code communicate with other pc that using View Tutorial By: lolo at 2011-10-28 09:14:30 2. main method's return type is void .how main methad View Tutorial By: sayyed moin at 2015-09-07 08:55:33 5. hi its working nice,can u plz help me how to fetch View Tutorial By: Manju gowda at 2014-02-21 07:23:44

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What Is A Line Chart? A lot of traders prefer the line chart to Japanese candlesticks or bar charts. For example, many traders who trade the stock market prefer to use line charts to see price movements. This is because they consider the closing price to be the most important price of all. The line chart basically consists of the closing price for each period. Of all three charting methods, the line chart is the simplest and most easily understood by beginners. No specialised knowledge is required and they provide the 'big picture' of the current market. On the other hand, they lack a lot of information that is shown in bar charts, and especially candlestick charts. This includes the open, the high and the low price. For this reason, they can be misleading and traders should take care if they decide to use this type of charting method. Whichever chart type you use, they demonstrate a simple and effective visual representation of th eprice of an asset over a specific period of time. Charts also illustrate supply and demand, and include all known news, plus current expectations of future news. In the case of any updates, the price will quickly adjust to this if it differs from these expectations. Charts are popular because they are user-friendly and therefore simple to use for technical analysis. This means it is quite straightforward to analyse and identify movements and patterns that may repeat over time. For eample, a currency pair may have a certain tendancy to reach after a news even or some other economic data release. A line chart connects the closing prices of a currency pair over a certain time period. As this is the only information shown, line charts are good at showing a picture of the overall trend because they reduce market noise. Prices are plotted from left to right across the horizontal axis, which represents time. The vertical axis shows the price with the most recent price shown furthest to the right. You can draw trendlines on a line chart which connect support and resistance points. A line chart shows trends the best, as this is simply the slope of the line. A steeper slope means prices are moving faster. Remember that a line chart only shows the closing price, so this ignores price fluctuations during the session. Stay tuned for more Technical Analysis videos! Disclaimer: This written/visual material is comprised of personal opinions and ideas. The content should not be construed as containing any type of investment advice and/or a solicitation for any transactions. It does not imply an obligation to purchase investment services, nor does it guarantee or predict future performance. FXTM, its affiliates, agents, directors, officers or employees do not guarantee the accuracy, validity, timeliness or completeness of any information or data made available and assume no liability for any loss arising from any investment based on the same. Risk Warning: There is a high level of risk involved with trading leveraged products such as forex and CFDs. You should not risk more than you can afford to lose, it is possible that you may lose more than your initial investment. You should not trade unless you fully understand the true extent of your exposure to the risk of loss. When trading, you must always take into consideration your level of experience. If the risks involved seem unclear to you, please seek independent financial advice.

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What Is Data Visualization? You should have the power to customize which datasets appear prominently on the dashboard. Different teams have different priorities and hence, the data visualization tool must allow complete customizability. Here’s a great article on how good dashboards can empower and liberate businesses. This is the same information now presented gently to the observer. Besides showing the individual values, this graph enables us to quickly compare the popularity of each food item and even compare the relative difference in value between consecutive items. There is a need for a green solution targeting lesser cost and energy consumption with tamper-proof record-keeping, storage, and interactive visualization with only demanded data. We have proposed a Blockchain-based Green big data Visualization solution using Hyperledger Sawtooth for optimum utilization of organization resources. You’re the artist here; your visual preferences can make a difference when telling your story. We visualize data because an individual or audience is more likely to understand and remember data in a visual format. Using data viz gives the ability to overlay and visually mash up data in ways that cannot be done using just raw data. It’s easier to tell data stories and have a narrative about what is happening. If you’re someone who wants a little bit of everything in front of you in order to make thorough decisions, then tables are the visualization to go with. Tables are great because you can display both data points and graphics, such as bullet charts, icons, and sparklines. Keep Visuals Simple Treemaps are great for comparing the proportions between categories via their area size. Data visualization for idea illustration assists in conveying an idea, such as a tactic or process. Project managers frequently use Gantt charts and waterfall charts to illustrate sql server 2019 workflows. Fragments of the Turin Papyrus map; the old known example of data visualization. Computers are great for processing large amounts of data, but the human mind is not. The brain processes an image faster than lines of colorless, look-alike data. The tool should allow for the reports to be viewed in various different formats and different parts can be highlighted at different times. Industry specific KPIs need to be customized to provide tailored insights. When Do I Use A Gauge Visualization? Temporal (data is linear and one-dimensional), Hierarchical , Network , Multidimensional , Geospatial (spatial or Geo-spatial maps associated) and Miscellaneous. Charts, maps, and graphs are different methods used for data visualization, and so on. These tools are designed so that the information can be understood and grasped just by looking at the presentation instead of studying the data thoroughly so that time is saved for the end-user. They organize the data into rectangular bars across a continuous time interval. This is different than bar charts as they can be across discrete intervals. To enable all of this, your business intelligence and data visualization needs to be highly interactive. Of course, one of the best ways to understand data visualization is to see it. With public data visualization galleries and data everywhere What is Big Data Visualization online, it can be overwhelming to know where to start. We’ve collected 10 of the best examples of data visualization of all time, with examples that map historical conquests, analyze film scripts, reveal hidden causes of mortality, and more. The proper use of color in this visualization is necessary because different colored lines can make it even easier for users to analyze information. Just like the name, multidimensional data visualizations have multiple dimensions. - Dynamic reports refer to the possibility to import data from different sources in real time. - In other words, it shows filtered data on Facebook marketing campaigns, etc. - Additionally, you can read our detailed guide to cohort analysis in Google Analytics and Google Sheets, where we provide very detailed instructions. - High cardinality means there’s a large percentage of unique values (e.g., bank account numbers, because each item should be unique). - Organizations have more data today than ever before, and with the explosion of IoT technology, there will only be more data gathered every year. - If your team is big enough and every employee has to work with the visualization tool, then the cost per user may be a stop sign. You should create a bar chart if you want to compare two or more data values of a similar kind and if you don’t have too many data groups to display. However, bar charts show discrete data so it might not be a good idea to use it if you want continuous data. Every bit of data carries a story with it and these data visualization tools are the gateway to fathom the story it tries to tell us. It helps us to understand the current statistics and the future trends of the market. Oracle Business Intelligence Cloud Service claimed a spot at the Magic Quadrant Business Intelligence and Analytics Platform report by Gartner. Interactive visuals and highly advanced analysis clubbed with a customisable dashboard are some of the key features of Oracle Visual Analyzer. Being highly scalable, this data visualisation tool is very suitable for enterprises with large-scale deployments where deep insights and well-curated reports are essential. Visualizing Big Data And it goes without saying, there are some top data visualization tools that exceed the job. Data visualization is the process of translating large data sets and metrics into charts, graphs and other visuals. The resulting visual representation of data makes it easier to identify and share real-time trends, outliers, and new insights about the information represented in the data. Data visualization tools have been necessary for democratizing data, analytics, and making data-driven perception available to workers throughout an organization. They are easy to operate in comparison to earlier versions of BI software or traditional statistical analysis software. This guide to a rise in lines of business implementing data visualization tools on their own, without support from IT. The market presence of each company is shown by the size of the plots on the graph. In one glance, buyers can see who the big players are and how they rank. Hence, huge amounts of social data turn out to be issued, thus turning into critical sources of Big Data. Such a process has culminated in injecting Big Data technologies throughout the analysis process. So, the present survey is targeted to help the concerned researchers identify the challenges encountered during the analysis process along with Big Data solutions. Indeed, the aim lies in providing a clear analytical process applicable with Big Data technologies. A systematic literature review is conducted to address the challenges facing integration of Big Data technologies, while displaying some adequate solutions. As the “age of Big Data” kicks into high-gear, visualization is an increasingly key tool to make sense of the trillions of rows of data generated every day. Data visualization helps to tell stories by curating data into a form easier to understand, highlighting the trends and outliers. Marketing Analytics Digest It’s the only practical platform for sourcing and analyzing real-time data, and it provides a central repository, helping to eliminate copies of the same data in different places. Keeping everything in one place helps companies Software quality with multiple locations access the same data at all times. Businesses have a need for speed, because faster decisions lead to faster results. Businesses with an edge in data analytics can outpace their competition. The analytics of the following tools range from geographical mapping, heat maps, spider maps, sparklines, etc. Data visualization is one of the most important solutions for finding and displaying key data insights. Choosing the right data visualization tool is a big decision not only because they are fairly expensive, but also because they play a huge role in shaping your business strategy. A tool that can present the most clear, interactive and accurate visual reports can help you take better decisions, make better plans and track your KPI’s better. So depending on what features matter most to your business, choose a tool that will give you just the representations you need. Data analysts and decision makers need to be able to collate data from various sources and combine datasets to produce insightful reports. Data Visualization Technology From Sas Delivers Fast Answers To Complex Questions, Regardless Of The Size Of Your Data Web Tech Mantra is a team with a lot of experience and research on the digital world, how a website can be useful to the internet users, we studied, analyzed and presented here. We are entirely fascinated with the technology, and we are living our life’s with the newly updated technology for 8 years. With all our knowledge, we established a platform to build a proper and trustful rapport with the internet world. Line Charts-These are used quite prominently for analyzing sales, ROI, and profits of the company. Firms can also use line charts to analyze their weekly feedback reported by customers. Data Visualisation is a key in government surveys before they proceed with any development work. Big Data visualization has an overwhelming use while writing academic papers or research reports. Commonly used during elections to show which party has got the lions to share of votes, this chart, although extremely popular, has some glaring disadvantages. Statisticians like Edward Tufte, Leland Wilkinson, and Gerald van Belle have expressed their disinclination towards the use of pie charts. The most conclusive evidence against pie charts has probably been provided by Stephen Few, the founder of Perceptual Edge. Visualizations help in evaluating the effectiveness of different channels in achieving the larger sales objectives by communicating data aggregated from multiple tools and sources. Data analytics tools use augmented intelligence to recommend visualizations that can help even novice users build their own analytics views and discover hidden insights. The faster you can make sense of your data, the faster you can act on it. Before drilling down into new insights, it’s important to ensure that what is already known about the data is accurately reflected in the visualization. Data analysts generally have a good understanding of their data and will see obvious signals. If these signals aren’t present, the data sources may not be delivering the full picture. In this case it’s time to circle back to the data architect to ensure the right data is coming from the right places. Author: Peter Schacknow

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You have a very long URL or a long mailto: that you need to link to but you find that Fusion will not accept this long URL as an external link. Fusion is limited to 255 characters as far as links. Solution for linking to Text: If you are linking from Text place your cursor directly before the first character in the line of text you wish to use as the link and press CTRL + T to bring up the HTML insert dialogue box Enter the long URL or mailto: as the beginning of a standard HTML link in the HTML insert dialogue box Place your cursor at the end of the text you wish to use as the link and press CTRL + T to bring up another Insert HTML dialogue box and close the link tag with The Text will not show up as a link in page view but when the page is published the text will be linked to your long URL Solution for linking to a Graphic: Place the graphic on the page where you wish it to be and press the HTML Button on the picture properties palette. In the tab marked Before Tag enter the long URL as the beginning of a standard HTML link Press the After Tag tab and close the link with Did you find this tutorial useful? Do you want to keep this resource online? Make a donation to keep gotFusion alive This page was written by and is maintained by turtle

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Open Office Writer Tutorial: “Red line” correction to language mismatch As shown in the picture beside, there are paragraph that are not with red striped and another paragraph show different things. It is caused by the language setting that do not conform with the typed text. So the program shows an error correction which is marked with a red line. Almost every word processing software has this feature and the free Open Office Writer too. So, to eliminate the red line, match the typed sentences with the language used in software. Follow the following interactive tutorials to make it more clear. Related Open Office Tutorial

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1012 already collected. In this course, Build Instagram-Like Android App in Ionic, will take you step by step towards creating a complete awesome Instagram-Like Android app using Ionic Framework version 3 from scratch. Building Android apps has never been easier. With Ionic framework, you will be able to create complete, well-designed, user-friendly Android apps quickly, test them, and upload them to Google Play Store. In this course, I'll be using these amazing features given by Ionic framework to build an Android application similar to Instagram. So by the end of this course you will have learned how to create a very complected app like Instagram for Android devices, and you will have your own version of the App! This course is divided into three main parts: The first part is that You will learn how to design your app just like Instagram. Then I'll teach you all the logic to make the app functional. And finally I'll also teach you the back-end side where it's an essential part to make the app completely functional. Therefore at the end of this course you will have an outstanding understanding of how an app like Instagram works, and you will be able to create complex apps as well! Why take this course? There are many benefits of taking this course for example you will: 1. Improve your programming skills by build a complicated app. 2. Be able to create your own Android mobile apps. 3. Be able to apply for Ionic developer jobs. What will you learn in this course? You will learn a LOT in this course, as this course covers the three main aspects of building an Android app: the user-interface, front-end logic, the back-end logic and connection to database. Here is a list of topics covered in this course: How to install Ionic User interface design How to use Ionic documentation Create navigation tabs Create user profile Sign up page Edit user profile Follow other users Unfollow other users Change profile image Wish you a successful journey throughout this course. Thousand of online courses to choose from. Udemy online courses start at $11.99

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A chart can quickly show you what your data represents. For example, say you have a pie chart of profits broken down by product. When one product's share takes up more than half the circle, you know it's a huge success. But maybe you'd like to know more about the data behind the chart. Who's been buying that product? When's it been selling well? Quickbase charting is interactive. This means that when you see a chart and want to know more about a particular element, you can click it to display the records that element represents. For example, when you click the piece of the pie representing that big-selling product, Quickbase displays a list of all the sales records that comprise that portion of the graphic. Immediately see the list of customers and sale prices the pie wedge represents. Displaying a chart To view a chart, select a saved chart report from a list of reports. You can find reports listed on an app's Home page (if the app builder has included a Reports List widget), or by clicking the table in the Table bar, then clicking the REPORTS & CHARTS link. You can also create your own chart. When you display a chart in Quickbase, you'll quickly notice that this isn't your grandfather's data reporting. Quickbase charts are dynamic. You can interact with a chart to get more information about the numbers that underlie it. Run your mouse over a chart, and you'll notice that Quickbase highlights whatever portion appears beneath your cursor, and displays a quick summary of that part of the pie. When you click a part of the chart, a subset of data appears. For example, the image below contains a pie chart on the left which shows sales of musical instruments. The cursor sits over the Hecklephone pie wedge, so Quickbase shows the information for that wedge. If you want to see which customers have been buying hecklephones, all you have to do is click the wedge. Quickbase takes you to a table report that shows all the hecklephone sales records. Click a chart element to drill down and display details. A report containing related records, like the one on the right, displays in a new screen. All types of charts work just like this. Bar charts let you click individual bars to see the many records make them tall or the few that make them short. (Read more about chart types.) If you can customize the report, you can specify which report to display when this happens. To see a table report of ALL the records used to make a chart, click the chart's title. To print a chart, click the Print link on the Page bar. When you do so, Quickbase displays a print preview screen, and the browser's print dialog. Click Print to print the report. See Print a report for more information about printing reports.

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Setting Up a Tableau Public Account Join, Unions, and Relationships Dimensions and Measures Sums, Counts & Aggregates People use Tableau for its exploration and visualization capabilities, as well as its data analytics capabilities. Tableau’s data interface is easy to navigate, allowing users to scroll through and get a sense of their data before and during visualization development.

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How To Insert A Bookmark In Word. Add bookmarks in word 2010 to create bookmarks in fixed text in word 2010, place the cursor where you want to create a bookmark: This will create a name for the bookmark you've just added. Click the delete button to remove that bookmark. Open the toolbox and click the word controls tab. Follow the steps below to learn how: In The Show Document Content Section, Check Show Bookmarks ( Figure A ). On the ribbon, click on the insert tab. Follow the steps below to learn how: Open word file that needs to create bookmark then select the title area you want to set as a bookmark. In This Case, We Type First. File=>options=>advanced=>show bookmarks but i couldn't find a similar setting in word in office online version (office.com), is. Select the insert tab from the ribbon bar > links > bookmark. Si mi respuesta te ha servido, márcala como solución o como útil. Give The Bookmark A Name And Click Add. Open the toolbox and click the word controls tab. Go to bookmark and select your named bookmark. Click on the page in the word document on which you want to add bookmark. Then, Name The Bookmark &. Just that and you have done creating the first bookmark. In the ribbon, click the insert tab. Click goto and the bookmark will add. On The Insert Tab, In The Links Group, Click The Bookmark Button: You must then change the name to continue. Bookmark names must begin with a. Alternatively, click into the document to place the insertion mark cursor where you want to set the bookmark.

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The answer is in this case with ccs: It depends a bit on what you exactly would like to make thinner. If you are using a table you can for example alter the padding of the table cells or rows. In the Variables.scss Mendix has by default the option to set the following: //## Table spacing options (used in components/tables) $padding-table-cell-top: 8px !default; $padding-table-cell-bottom: 8px !default; $padding-table-cell-left: 8px !default; $padding-table-cell-right: 8px !default; This will edit the padding for all tables used in your app. You could also create a specific class for the table to be able to edit just this table. In this class you could edit: table.mx-table > tbody > tr > td Finally using a lay-out grid and putting the input fields inside of it might be a better option. Thanks for the response. I chose not to use the table widget because it has a lot of padding around it. I wanted to have more flexibility for spacing and alignment of the text boxes. Also I wanted to change the look of the textbox’s. So I end up using visual studio with Calypso. Modified the spacing for the label + text boxes, and then changed the look of the text boxes. It works quite well and I’m pretty much able to do what I want. By right clicking on the text boxes in chrome and then do an inspect I was able to do what I wanted.

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label enables the developer to name an input field. By default, label content and the input field stand separately. Bootstrap comes with form-floating to enable floating labels with Bootstrap’s textual form fields. The following is a step-by-step procedure to create a floating label in bootstrap: Create a container, for example div, with the class input field should have the following: type — to set the form validation class = “form-control” id — which should match the for attribute in the forattribute that matches the input must come before the Floating labels can also be used with bootstrap’s Try it yourself for better understanding. View all Courses

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Case Transformer corrects text in any browser and editor I have Case Transformer to start when Windows starts. It’s not a program that I use each and every minute, but since it occupies no memory, I prefer to have it available, because I use it frequently enough. We copy text from email messages, from discussion groups and forums, from blogs and social media, Facebook, Twitter… Usually in all those places people write without following the rules. They can write all caps or without caps at all, and in all possible combinations! Case Transformer helps me to bring some order to this chaos instantly! I just select the text I want to correct, then press a keyboard shortcut and select how the text should appear — all caps, as in a sentence (only the first letter is a cap), as in (some type of) a title, with capital the first letter of each word, all lowercase, or even inverted (caps are lowered, and the previously lowered are capitalized). Case Transformer lets you customize the keyboard shortcut for its popup menu.

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How to use the Topic Groups Widget on the Dashboard? The Topic Groups widget on the Dashboard displays the summary of your topic groups. The Topic Groups widget displays the following metrics: - Count - the number of unique conversations Topics associated with the Topic Group have appeared in and the difference in Topic Group volume between the current and the previous period - Ratio - the proportion of conversations the Topic Group appears in and the difference in the proportion of conversations the Topic Group appears in comparison with the previous period - Net Sentiment - the % difference between positive and negative mentions associated with the Topic Group.

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Some randomization utilities which includes biased randomization, weighted randomization and some extensions for double randomization for the Random class. - Biased randomization randoms to either lower or higher end of the given randomization minimum and maximum values. - Weighted randomization randomizes items with a given arbitrary weight number. - Extension methods to the Random class mostly extends the floating-point randomization to match the integer randomization overload method counterparts. A class library containing lexer definitions for the ScintillaNET. - Easy to use class library to set a lexer definition for the ScintillaNET control. - Containing lexer definitions for C++, C#, SQL, XML, NSIS, Batch, Pascal, HTML, PHP and INI programming “languages”/languages. A tabbed control for ScintillaNET to display multiple documents. - A simple Windows Forms control capable of displaying multiple tabbed documents. A spell checking library for the ScintillaNET. - Supports UTF-8 Hunspell dictionaries for spell checking using pure C# library called WeCantSpell: Hunspell for spell checking a text file - Support for user dictionaries and user ignore word lists A simple plain text search and replace library. - Searches and replaces a text with regular expressions, plain text, extended search and a custom number-string search. Screenshot in use with the ScriptNotepad software Add print functionality to ScintillaNET. - This is just a fork from poloab‘s printing library for the ScintillaNET; I have issued a PR for the repository to be updated. - My additions are that the library will use the current thread locale and use the application icon with the dialog(s). Screenshot with the ScriptNotepad software An utility for an application to check if a newer version of the application exists. You can also maintain your own releases within the web site. The VersionMaintenance software A library to detect URLs with the ScintillaNET control. A library to print RichTextBox contents from a Windows Forms application. VPKSoft.SpellCheckUtility and VPKSoft.SpellCheckUtility.WinForms A spell checking interface for both real-time and postponed spell checking using the fantastic WeCantSpell: Hunspell class library. - Based on an interface to visualize the spell checking. - Support for user ignore lists and dictionaries.

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BeFunky has a massive library of vector graphics that are perfect for every project you can imagine. Whatever look you’re going for, we’ve got the perfect graphic for you. Whether you want to add vector graphics to your YouTube channel cover, create an infographic, add social media icons to your blog, or add stickers and overlays to your photos, you’ll find the perfect graphic for every situation. With the ability to personalize a mini graphic library for your needs that you can use across all of BeFunky, you will conquer any project you put your mind to. Click here to start browsing! What Is a Vector Graphic? A Vector graphic is an image not made up of a grid of pixels like JPGs, and GIFs; instead, vector graphics are comprised of paths, which are defined by a start and end point, along with other points, curves, and angles along the way. This is a technical way of saying that BeFunky’s entire graphic assortment is incredibly high resolution, you can resize them all you want and they will remain sharp and in focus. You will never have to sacrifice the quality of the graphic, even if you need it scaled to gigantic proportions. How to Search Vector Graphics The Graphics tab will be the same– whether you’re using the Photo Editor, Collage Maker, or Graphic Designer., no matter the project you’re working on, you’ll have access to every vector graphic in BeFunky’s entire library. Simply click on the Graphics tab on the left side of your canvas and you will be met with a search bar to find the perfect graphic for your creation. Here are a few ways to find the graphic that will fit your needs: Search by Popular Tags Every graphic in the expansive library is tagged for easy searching. Once you click on the search bar, a page will pull up with some popular graphics, but also a collection of popular tags. From social media logos to assorted arrows, and everything in between, there is a tag for you. Simply click on the term that is calling to you, and the graphics selection will display those tagged with that descriptor. Click on the graphics that you may want to use, and then close the search box by clicking the X in the upper right corner of the interface. Search by Term If you have something specific in mind, and you don’t want to scroll through the popular tags menu to find it, you can type in your keyword into the search bar. Since every vector graphic is tagged, this will enable you to search a specific word and have a selection of what you’re looking for being pulled up. The broader the term, the more results will appear, but you can get more specific with your search and it will narrow down your results. When you find the graphics you want to use, simply click on the results and they will automatically be added to the Your Graphics section. Add Your Own If you’ve got your very own set of graphics, logos, or icons stored on your computer, you can use those in your BeFunky projects too! Just click on the Computer button in the Graphics tab, select your files, and watch them appear in the Your Graphics section. Now you can find all the graphics you need for any project, quicker than ever! How to Access Your Graphics for Photos, Collages, and Designs The Your Graphics section of the Graphics tab will have the graphics you select saved and ready for your use. You are able to add your graphics to your projects in a few ways, either double-click the thumbnails beneath the Your Graphics section or simply drag and drop them onto your canvas. Once the graphics have been added to your canvas, you can click on them to pull up the Graphic Properties menu, where you can make changes to the graphics like changing their color of them or adjusting the opacity. When you have the graphic selected, circles will appear around the graphic. These can be used to resize and rotate them however you please. Remember, since all of our graphics are in vector format, you can make them as large or small as you want without losing a pixel of resolution. How to Manage Your Graphics Library The best thing about BeFunky’s vector graphics is that once you add any graphic to the Your Graphics section, you can access them seamlessly across BeFunky. If you want to use the same graphics on a design in the Designer, a photo in the Photo Editor, and a collage in the Collage Maker, the Your Graphics section will feature the same graphics and icons you’ve added. You can create your very own mini-library of graphics for quick and easy access across BeFunky. Removing graphics from the Your Graphics section is as easy as hovering over the thumbnail and clicking the X in the bottom right corner. This way, you can always have control over which graphics you want quick access to. Create Your Own Vector Graphic Library Today BeFunky has made it easy to create your own graphics library that you can access across BeFunky. In just a few clicks you can personalize and customize what graphics you want quick access to for any project. Click here to get started creating your own mini-graphic library!

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When and how to use this componentThe horizontal menu is used to display the first 2 levels of pages within a website's architecture. For levels 3 and below the menu should be complemented by using navigation blocks to drill down to sub-pages. Amount of ItemsDue to limited horizontal space, especially on low resolution screens, the number of items on the first level of the menu should be 3-5 items. LabelingLabels on the first level of the menu should be simple and composed of 1 to 3 words (for the English language version of the menu). Using 3 words should be an exception when you want to refer to two related topics (e.g. News and events / Contracts and funding). When to use this component - if you need an alternative to the listing navigation blocks - only for improved sites - only with a basic page header - below the basic page header - on every page of the website Do not use this component - with a default page header

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How do you create a pool??? Maybe I'm just missing it but... - Where on the palette is the Pool icon? I can't create a second pool...or a white box pool without a lane...or a black box pool. - Shouldn't there be a Message connector or does one appear only when a second pool is created? - When you drag over a new event, not all BPMN event types are represented. I'm assuming that the Modeler prevents you from doing anything "illegal" so that only the possible context event types for that situation are available...correct? I'm certified by Bruce Silver himself...even took his Master Class so I'd love to see how you create Event Sub-Processes. Been drawing BPMN since 1.0 days...and before (remember ProVision from 2001?) I've used a ton of modelers but this will take a day or so to get used to, just for simple modeling. Let me know how to proceed. I'm sure I can figure a lot of this out. PS: Working as the only process architect for a 750-person group at AT&T doing current to target then executable workflows. Think Bizagi can handle that???

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Tableau is chart creation platform. It's one of the fastest ways to showcase your data visually. You can creating moving and interactive tables, pie graphs, charts, maps and more. Our users like to enhance their work by embedding Tableau in their research documents, training manuals, reports, eBooks, lesson plans and much more. When there is content the comes alive inside of your written work it adds an impressive memorable visual touch. Regardless of your audience - whether it's colleagues, clients, partners, followers, students, etc. you'll leave them with an impact as smart digital content gets woven between your words. Documents You Can Embed Tableau on: It's incredibly easy to embed Tableau to your Bit documents. Start adding visual magic to your words with smart Bit documents. Embed Tableau Charts In Your Bit Documents Embed ChartBlocks to your Bit documents and make your content come alive. Embed Lucidcharts to your Bit documents and make your content come alive.

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Detect What’s Hidden. Data isn’t always linear, so why do we chart it that way? Take a fresh approach to visual storytelling with ChartExpo’s Radar Chart. Capture your multivariable data effectively, easily and effortlessly and discover what’s been missing on your radar. Pricing starts at $10 per month. Free 7-day trial.ChartExpo for Google Sheets is A Radar Chart, or spider chart, is a type of data visualization that depicts multiple variables and categories along a circular axis, instead of a linear one. The unique shape of the Radar plot allows you to draw accurate comparisons between multiple items in your data and assess the presence of any outliers. Radar Charts are also excellent tools when mapping data that follows a cyclic path, such as over a period of time or through a repeating process. It is a versatile and easy-to-use chart type to engage with your data in new ways. Before you can effectively use a Radar Chart with your own data, it is helpful to understand what exactly it is. This understanding showcases the best ways to use this visualization and the types of insights it can reveal. Even the history of the Radar Chart helps you see how others have used this type of visualization and the results they received. A Radar Chart is a visualization option used when you want to display multivariate data. Each data item stems from a center point. The length of the stem expresses the value of the data. Thus, the higher values will have the most prominent shapes in your Radar Chart, while the smallest values will have little or no profile. Along the perimeter of your Radar Chart are your data categories. So, the direction of each stem and the overall shape of your spider web chart tell you which categories or data items have the highest and lowest values. The circular shape of the Spider Chart makes it ideal for testing variables that repeat or follow a timeline. It’s arguably the best chart for tracking progress or results by the hour of the day or the days of the week. You can easily compare results throughout the period and determine the times with the best and worst performance. This highlights why the Radar Graph is so effective at comparison analysis. Not only can you compare results across more than one data category, but you can also include multiple variables in your Radar Chart analysis. You can stack multiple Radar plots on top of one another and compare their shapes and sizes for even greater insight into your data. The Radar Chart has an interesting history. There is some dispute regarding its exact origins. Some sources report that German economist Georg von Mayr used the Radar Chart for data visualization in 1877. However, Florence Nightingale, founder of modern nursing and a renowned statistician, was already using a form of the Polar Chart in 1856, twenty years before von Mayr. She initially called her chart a “coxcomb.” Its title was “Diagram of the Causes of Mortality in the Army in the East.” Her report included two similar charts reflecting two time periods, allowing viewers to see how mortality causes shifted. It is one of the best early examples of data visualization and amply demonstrates Nightingale's expertise as a statistician. In some circles, a Polar Area Diagram is referred to as a Nightingale Rose Diagram because of the flower-like appearance of her diagram. Other chart examples show that André-Michael Guerry developed something resembling a Radar Chart as early as 1829. Much of the confusion regarding the origin Radar Charts has to do with its many names and iterations. These names include: Given each member’s contribution to the Radar Chart, we’re inclined to give most of the credit to Florence Nightingale. While she may not have been the originator, her work has stood the test of time better than the other Radar Chart examples. Radar Charts have many names (polar chart, spider chart and others). Yet, there are also different types of Radar Diagrams to be aware of. In total, there are three types of Radar Charts: The simple Radar Chart is the most common type and the primary one you should know. The other two types originate from the simple Radar Chart. You plot each data point according to its value and corresponding item or category. Then, you connect the data points for each respective variable. The shape of these joined lines shows each variable’s performance across all of the categories you’re testing. When you’re measuring multiple variables in the same Radar plot, you compare the shape of each variable depiction to derive answers and insights. A filled Radar Chart follows the exact same structure. The only difference is that each variable’s shape is filled with color. This may help you better distinguish the differences between each. However, make sure that the colors you use aren’t too similar in appearance. It’s better to opt for colors opposite on the color wheel, like red and green, blue and orange, etc. Finally, a Radar Chart with markers goes another step and clarifies where each data point is using a circle, triangle or another identifying tag. Sometimes, you’ll see each marker accompanied with its value to make each point absolutely clear. It helps to see this visualization in action to effectively answer, ‘What is a Radar Chart?’ Each example shows a unique way to use this chart, demonstrating its versatility and many applications. Radar Chart in healthcare: Florence Nightingale’s classic example of a filled Radar Chart shows this visualization at work in the healthcare field. Nightingale used this chart to demonstrate that soldiers' lives were needlessly lost to preventable diseases and not from battle wounds. It provided strong evidence to improve conditions and accommodations for soldiers and helped mitigate thousands of more mortalities in the war. Radar Chart in business: The Radar Chart is an excellent tool in businesses because you can evaluate sales or other crucial metrics across different periods or compare the results of different products. One of the more common Radar Chart examples you may see in business is tracking spending across every month of the year. This approach identifies the periods of high and low sales activity, allowing you to anticipate your busiest times. Another use of the Radar Chart is to review product satisfaction data and customer feedback. You can test how each product scores based on predetermined traits or qualities. Radar Chart in human resources: When evaluating potential new hires or deciding on which employees deserve raises, the Radar Chart is a great comparison tool. You can plot each candidate’s traits and performance scores, then compare each one and evaluate who is the best option. It’s almost like a more sophisticated version of creating a list of pros and cons or strengths and weaknesses. Radar Chart in marketing: Similar to leveraging a Radar Chart in business, using this visualization tool in marketing also allows you to forecast results and make better decisions. In many digital marketing mediums, you have lots of variables and metrics, making the Radar Chart a great option for depicting your data. You can measure keyword performance by device type, PPC ad cost by days of the week, social media engagement by hours and so much more. Sometimes, traditional linear charts just don’t cut it. Discover all of the value in your data through Radar Chart analysis. Radar Charts hold many advantages, meaning this visualization option has many uses and applications. Whenever you want to simplify complicated and multivariate data, the Radar Chart is an excellent tool to use. The shape of this spider web chart organizes the data and insights logically to communicate the information as effectively as possible. The versatility of the Radar Chart means you can use it in many different scenarios and with various data sets. Since Radar Chart handles multivariable analysis, you can use it to visualize even your most convoluted spreadsheets and data sets. Traditional XY graphs come in many different formats, making them a versatile medium for depicting data. However, the linear nature of these visualizations has some limitations. After all, data doesn’t always follow a predictable, linear path. Using these graphs for data that isn’t linear is a bit like trying to fit a round peg through a square hole. You can get it to work, but it may take some extra time and effort. On the other hand, introducing a Radar Chart to your visual analysis can provide you with a new way to interact with your data and a fresh perspective that you didn’t have before. This new chart type opens the door to discovering new opportunities and insights that you may have missed using other visualizations. You’ll accurately and effectively depict and simplify complex data thanks to the Radar Chart’s unique radial design. Other charts also struggle with multivariate data. While other diagrams are capable of presenting this type of data, the visualization becomes too messy and overloaded when you try to add extra variables. Meanwhile, the Radar Chart expresses multiple variables with ease and doesn't become convoluted as you introduce more data. This is why it’s one of the best comparison tools. The Spider Chart is a must-have in your charting repertoire, especially when your average XY graphs start to let you down. The versatility of the Spider Chart has a lot to do with its ability to handle multiple variables and categories at once. This means it can fit a wide range of data, including more complex sets, and effectively visualize it using a format that’s accessible to viewers. There are Radar Chart examples in business, marketing, healthcare, human resources, resource management, sports, finances and so much more. Anyone from a teacher evaluating student performance to a business owner tracking sales can use the Radar Chart. You can compare items, track results over time, detect outliers, evaluate performance and so much more with the Spider Chart’s design. Even as your data needs grow and become more complex, the Radar Chart will still be capable of visualizing the information and showing you the story behind all your numbers. The Radar Chart is also versatile in its accessibility and ease of use. Anyone can use this spider web chart and understand the information presented. Other chart types for multivariate data include elements that an average person may be unfamiliar with. Not only does this make it a challenge to create the chart itself, but also to extract insights and meaning. Multivariate data occurs when you have several dependent variables contributing to a single result or conclusion. There are many cases where you’ll have multiple variables. After all, most events happen due to several factors. You may be more familiar with this type of data analysis than you think. For instance, the weather is a perfect example of multivariate data. Weather is not just a measure of how hot or cold it is outside. It also takes into account conditions, humidity, wind, wind chill, precipitation and more. The problem with extra variables is it means more information that you need to track and depict in your visualization. When you have too many variables, both pursuits become much more challenging. Luckily, the structure and design of the Radar Chart make it perfect for resolving these challenges and making multivariable data accessible and easier to understand. You can layer multiple Radar plots over one another and compare the shape and size of each to reach conclusions. Plus, you can compare these variables across several categories or dimensions. The Radar Chart is the most efficient and effective way to present this type of data analysis. Finally, multivariate data is simple and easy to work with, instead of a painful headache. Data analysis isn’t just about your understanding of the information. You also need others to obtain the same knowledge and reach similar conclusions, whether they are stakeholders, clients, colleagues or another audience. This presents a challenge in itself because these audiences don’t have the same familiarity with the data and concepts as you do. It’s easy when reporting to data to forget this and assume the audience knows more than they do. This creates confusing presentations that may turn audiences off from the insights you’re providing. The Radar Chart offers a great solution because it presents multivariate data in an engaging and easy-to-understand format, even if you aren’t interacting with the information regularly. With the simple nature of the Spider Chart, you guarantee that the audience reaches the correct conclusions. Plus, they’ll gain a firmer grasp of the information in less time. There are no long awkward pauses while you wait for a client to decipher the chart. The Radar Chart is very comprehensive and transparent. For Radar Chart comparison analysis, it’s a simple matter of comparing the sizes of each shape. That’s something even a toddler can do. You’ll never have problems communicating multivariable data again. Data is only valuable if you can extract actionable intelligence from the raw numbers. The Radar Chart detects these valuable insights and brings them to the surface. Interpreting a Radar Chart is a critical step in the process. It’s the point where you analyze your Spider Chart to find useful comparisons, outliers and other insights into the stories behind your data. Once you know how to read a Radar Chart, all of these hidden insights become instantly accessible. To properly conduct Spider Chart analysis, you need to know how to read a Radar Chart. This includes what each part of the chart means and the best method for approaching analysis. How you read your Radar Chart will also depend on the goal of your analysis. Are you trying to draw comparisons? Identify any outliers? Evaluate performance? All of the above? Any time you visualize data; there will be some insights that stand out almost immediately. These are known as surface-level insights because you can see them even without the use of a chart. For instance, if you were tracking outside temperatures, you’d recognize the hottest and coldest days in the year without much investigation. You may also pick up on a scorching hot day in the middle of winter or a cold one in summer. These are like the “smoking guns” of your data sets. They are the most apparent details and the first things you’ll end up analyzing. When you first look at your Radar Chart, think about what immediately jumps off the page (or screen). It may be the most substantial stem in your Spider Chart or areas where you felt the data would be higher or lower than it is. In a comparison Radar Chart, the most obvious parts may be the most significant differences between each spider plot. Whatever details you notice first are the ones worth exploring first. These are likely the most evident and significant factors in your data. They may also be some of the easiest to address, depending on the nature of your analysis. In addressing the most prominent parts of your Radar Chart, it’s easy to find yourself focusing on the biggest stems in the diagram. These stems reflect the highest values in your data and the most significant parts. However, spending too much time focusing on these elements means you neglect the factors that aren’t performing so well. In other words, your lowest value data can hold as much insight as your highest performing pieces, sometimes more. It’s great to pat yourself on the back and see where you’re doing well, but you also need to identify the problems preventing you from succeeding in other categories or variables. For example, it’s great to know which months out of the year generate the most revenue. You can support these high-selling times with sales and other offers. But, you must also look at where sales are lowest. Are there reasons behind this negative trend? Or, can you improve it somehow? Don’t focus on the good parts of your data and neglect what’s going wrong. The same is true in a Radar Chart competitor analysis. It’s helpful to know the strengths of each competitor and how they compare to your own, but finding where values are lowest could present you with valuable opportunities. These are the areas that competitors are ignoring! Outliers, anomalies and other unexpected occurrences in your data can quickly become alarming. The unforeseen and chaotic nature of these data points makes them alarming. Sometimes, outliers and anomalies originate from simple randomness. For instance, a toy store may see a giant spike in sales one day because the most popular kid in school has a birthday and all of the parents happen to buy a present on the same day. This data holds no value because it is a random, one-off event. This example showcases the chaotic nature of anomalies and outliers. The problem is that outliers aren’t always random. There are scenarios where outlying data has meaning. This creates an immense challenge. First, you have to detect something entirely unexpected and anomalous in your data. Then, you have to analyze the source of the outlier to determine whether there’s value and reason behind the shift. Spider Charts are valuable tools for detecting outliers. When data doesn’t align with the other variables or there is one stem that is significantly larger than the rest, it’s an indication of an outlier. The design of this chart brings outliers and anomalies to the surface, which instantly solves the first part of the challenge. Then, you can dig deeper into your analysis to discover the source of the outlier. Ultimately, the goal of your Radar Chart analysis is to make sense of your data and use the information gained to produce positive changes. This is where we get the term “actionable insight.” Your data discoveries should lead you towards making some type of tangible action that will improve your results. As you make discoveries using your Radar Chart in Excel or Google Sheets, you should consider the next step. How will you use this discovery to produce a positive change? If you don’t create some form of an action plan for carrying out data-driven changes or decisions, you may accidentally forget about key insights. Your plan should answer these essential questions: You also need to think about when you will review any changes you make. This will ensure that the adjustments you make are producing the expected positive results. Ideally, this review should happen at least a few months after you’ve made any edits to your strategies. This gives time for the data to mature and the change to take full effect. That said, some changes and data may take longer to mature. There may be times when it’s best to wait over a year before evaluating the impact of any improvements you’ve made. Creating a Radar Chart is easy, but creating an effective one isn’t always so simple. The problem with most Radar Chart templates is they require unnecessary steps and hurdles. You may even need to have prior knowledge of coding or scripting to use some Radar Chart makers. ChartExpo is changing the game with a simple, effective 3-step process that eliminates much of the hassle of traditional charting. Just choose the chart you want, select your data from your spreadsheet and click the “Create Chart” button. It’s that easy. The ChartExpo Radar Chart creator makes visualizing your data with this graph type quick, simple and accessible. You’ll save time in charting that you can use to analyze each Radar Chart and extract even greater (and more valuable) insights! Making a Radar Chart may seem easy on the surface, but some spreadsheet tools don’t include this as a visualization option. This may leave you relying on confusing charting tools and visualization software that require you to edit scripts and codes. It’s inefficient and problematic if you don’t have prior experience with these scripts. ChartExpo removes this hurdle and offers a complete, web-based charting solution in a code-free environment. The tool does all of the script creating and editing in the background. All you need to do is tell ChartExpo which variables and categories in your spreadsheet you want to visualize and click “Create Chart.” Instantly, your new Radar Chart appears. You may already know how to create a Radar Chart using these scripts, but it is not an effective or time-efficient approach. ChartExpo creates engaging and useful Radar Charts in just a handful of clicks. You can’t beat that efficiency! Not to mention, scripts are prone to entry errors and other problems that may create inaccurate visualizations. If you don’t catch these errors in time, you may make decisions based on flawed data. ChartExpo saves you this hassle, allowing you to spend less time fussing with your Radar Chart template and more time performing helpful analysis. The ChartExpo system is a very straightforward 3-step process. Any user can begin using the tool to transform their raw spreadsheet data into helpful Radar Charts. The first step is to find the Radar Chart in ChartExpo’s library of visualizations. ChartExpo is more than just a Radar Chart maker. It has visualization options to choose from and match to your data and analysis goals. Other specialized visualizations included with ChartExpo are: To find the Radar Chart, you can scroll through the library until you reach it. You can also enter it into the search bar to locate it even faster. With the Radar Chart selected, your next step is to input your data. Unlike scripts that may ask you to enter each value, ChartExpo works by telling it the rows, columns and ranges to use in your data. Thus, it uses what you’ve already entered into your spreadsheet. You don’t have to re-enter or copy-paste any of these values. Once you’re satisfied with your data selections, the final step is to click “Create Chart.” ChartExpo is revolutionary in how it simplifies the charting process and puts more visualization options in the hands of users. Simplicity in charting isn’t just a feature for convenience. It’s a precious advantage that holds direct value for your charting efforts. With the easy 3-step process of ChartExpo, you can make Radar Charts in less time and with less effort. Time is incredibly valuable and finite. By spending less of your time on charting, you have more time for analysis and making positive changes to improve future results. The accessible nature of the ChartExpo Radar Chart maker also means that more people can participate in visual data storytelling. There’s no learning curve or skill hurdle to overcome. Anyone on your team can use ChartExpo and find meaning in multivariate data. This is extremely crucial in your pursuit of becoming a data-driven organization. Developing a data culture where you involve everyone is essential. Otherwise, you’ll have lots of requests for analysis, creating a backlog of questions that need answering. When you have more people contributing to the visualization and analysis of your data, the value of your insights improves drastically. Each person brings a fresh perspective and new analysis ideas to the conversation. This exchange and data brainstorming will yield overall better results. It’s only possible when you create Radar Charts (and other visualizations) with ChartExpo. Creating a Radar Chart with ChartExpo gives you plenty of freedom and flexibility in your visualization. You choose which parts of your spreadsheet to use, including the variables, data categories and ranges. If you forgot something or need to make a change, you can quickly re-create your Radar Chart with the edits. Since there’s no coding involved, you don’t have to lift up the hood and tinker with the script every time you want to make a change. This is another way that ChartExpo saves you time in your visual analysis. With less fuss, you create Radar Charts and edit them with superior agility. This speed is an unbeatable advantage in a world where data moves so quickly. You can also directly edit certain details of your visualization, like changing the title of your Spider Chart or the colors you use to distinguish each component. These options help you create Radar Charts that are uniquely your own. You can adapt the appearance of your visualizations to match the rest of your reports or your branding. You shouldn’t struggle to make a chart look or act the way you want. ChartExpo gives you the power to call the shots! The shape, simplicity and design of the Radar Chart create many powerful benefits for data users. The list of Radar Chart advantages goes on and on. Find out for yourself what this visualization can do for you and gain the clarity you’ve been missing. The versatility and design of the Radar Chart are just two of the advantages of using this visualization type. Many other benefits stem from this chart as well. You’ll be able to draw strong comparisons, detect hidden insights and outliers, make better decisions and so much more. You don’t want to miss including the Spider Chart in your arsenal! More and more businesses and organizations are pushing to become data-driven in their decision-making processes. This means relying on actual data, numbers and other concrete evidence to decide the best courses of action. The data-driven approach produces better and more consistent results than making decisions based on gut feelings, instincts or guesswork. Relying on guesses means there’s no guarantee of the results. If you make a decision based on a wrong guess or feeling, it leads to a poor outcome. You may take one step forward, only to take two backward. That’s not an efficient way to grow your strategies. You don’t want to leave the success of your organization up to guesses and chance. ChartExpo’s easy-to-use Radar Chart supplies you with a steady flow of actionable data to drive accurate decision-making. Even when your data shifts unexpectedly, you’ll have the tool to recognize these changes and adjust accordingly. The data-driven approach also enables you to optimize how you utilize your time and resources. If you rely solely on those gut feelings and opinion-based decisions, you’ll occasionally find yourself making wrong turns that waste your time and money. With the data-driven approach of using ChartExpo’s Radar Chart maker, you spend these resources correctly. Start experiencing continuous growth in your business and stop trying to overcome frequent steps backward due to poor decision-making. Data-driven decision-making holds another benefit beyond making more accurate choices and limiting your organizational missteps. The efficiency of using a Radar Chart to acquire meaning and insight into your spreadsheets allows you to respond to changes in your data faster than ever. Speed is an incredible advantage that can end up saving (or earning) you money. For instance, if you create a Radar Chart comparing sales performance between multiple products, you may find that you’ve been focusing too much time and marketing dollars on unpopular items, instead of the ones that produce high sales. The sooner you catch this problem, the quicker you correct it and improve your results. Sometimes, your insights present significant risks to your performance. The longer you wait to fix these issues, the larger the problem becomes. Charting agility also ensures that you stay on top of major shifts in data. You can proactively modify your strategies and offerings to maximize results based on the latest data. Without this speed, you’re playing catch-up by endlessly trying to react to changes that have already passed. If you use your Radar Chart for competitor analysis, this speed becomes an advantage over these other organizations. You’ll respond faster to data and seize opportunities before the competition takes notice. One of the primary benefits of Radar Charts is the ability to draw quick comparisons between items in your spreadsheets. This is one of the supreme advantages of the Spider Chart type. Each component you plot stacks on top of one another and appear as blob-like shapes. These shapes reflect the Radar Chart’s ability to reduce the complexity of all of your data and present it in the simplest form, without losing any crucial details. Since every shape has its own color, it is easy to compare and contrast the form of each one. You can thoroughly evaluate the performance of each item across multiple variables and detect strengths and weaknesses and other actionable details. Due to the high number of components and variables you can include in your Radar Chart, you can make comparisons over a broader range of factors. Not only does this give you more possible insights to discover and a deeper understanding of your data, but it also means the Radar Chart has superb flexibility. You can include as many or as few details as you want. For instance, let’s say you wanted to compare your competitors and see where you fit in the market. With a typical chart, you may only be able to depict a couple of factors, such as the size of the company, their estimated sales and how many customers they have. On the other hand, performing a Radar Chart competitor analysis enables you to include way more factors. You could include product features, pricing, geography, customer satisfaction and so much more, evaluating each opposing business from every angle. You don’t know what you don’t know. What this means (beyond the obvious) is that there are details in your data that you are completely unaware of and have yet to uncover. These details present real risks and opportunities hidden behind the wall of numbers in your spreadsheets. You produce significant improvements to your results and strategies through mitigating the risks and seizing the opportunities. By failing to mitigate risks, your performance starts to suffer and you lose performance. Correcting these problems ensures you don’t continue to experience losses and downturns. Meanwhile, missing out on opportunities means you’re also missing the chance to improve your results and strategies. The Radar Chart is one of the many visualizations included in ChartExpo that will help you discover these risks and opportunities. You acquire actionable intelligence every time you analyze your Radar Chart. Drawing comparisons, detecting outliers and using all of the other advantages of the Spider Web Diagram reveals these crucial hidden insights. It gives you the knowledge you need to improve your organization’s results. You never know what’s on your radar until you look! The Radar Chart gives you this crucial insight into what’s really happening in your data. You can finally make sense of overloaded spreadsheets and confusing data streams. Click to learn the top 5 data presentation examples. Also, we’ll address... Click to discover the different types of charts for representing data in businesses and workplaces. Click to learn how to conduct a productive Crypto chart analysis. Also, we’ll address... A complete guide on Spider or Radar Chart in Excel. What is Radar Chart? Click to learn how to plot a Radar Chart with different scales?

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For additional information, refer to www.k-inside.com Below you will find some examples Please CLICK on any of the images below in order to browse related system structure Please Use preferably Firefox or Edge for browsing Systems Engineering Database and synchronized views - example of a Laptop Here is an exemple of structuring and visualizing systems engineering data: requirements, functions, flows, components, interfaces,... all these artefacts are organized in through different hierarchical views that would typically fit with systems engineering processes: requirements management, functional and technical architecture. Project Breakdown Structures (WBS, PBS, Processes...) structured and synchronized in an arKItect database This is a PERT graph for a satellite project. Each green box is a workpackage, each violet box is a review. The objective behind structuring project data is to manage synchronously the Product Breakdown Structure, the Processes, the Work Breakdown Structure and the Organization Breakdown Structure. Normally, risks and planning may also be closely linked. This is an extension of the Laptop model where we model reporting on the Laptop systems engineering data. Here are few samples of indicators. For each indicator, related systems engineering data is modeled. The advantage of such an approach is that we avoid a document then modification loop, e.g. direct access to requirements without description and similar nomalies allows correcting wrong attributes immediately.

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Training Course Guidelines As a FIWARE Generic Enabler matures, the documentation surrounding the component should also be fleshed out. The Read the Docs User Guide and Installation Guide should not be over-expanded with too much extra material, instead additional supplementary documentation should be created and maintained to allow new users to become familiar with all aspects of the component. - For examples see fiwaretourguide.readthedocs.io. The Tour Guide entry for a FIWARE Generic Enabler is complementary to the quick start in the User Guide. It contains essential background information and key concepts along with a few common HTTP calls illustrating how to use the component. To avoid bloat, it does not include set-up material or docker-compose files, the assumption should be that an installed component already exists and has been started. The Tour Guide entry is aimed at decision makers who are weighing up which context data-based framework they are wanting to use. - For examples see fiware-tutorials.readthedocs.io. Tutorials are a step-by-step series of API calls integrating a FIWARE Generic Enabler into a stereotypical FIWARE-based scenario. The current set of tutorials are based on a Smart Supermarket environment. These are suitable for developers who learn by doing, as the goal of each tutorial will be to add a single new feature to the existing Smart Supermarket app. A tutorial should consist of: - Postman Collection. - Bash script for initialization. Only a single new Enabler should be introduced in each tutorial. Simple components may only need a single standalone tutorial, but more complex components should introduce the basic concepts of the component first and then subsequent tutorials can build on the previous ones. For example IoT Agents tutorials starts with a tutorial on Ultralight sensors before introducing the IoT Agent for Ultralight itself and then adding in an MQTT broker. The tutorials are aimed at developers who are learning about a new Generic Enabler and where it fits within the FIWARE Ecosystem. Academy courses consist of short (5-10 minute) videos and slide presentations (with or without audio). These courses are suitable for developers who prefer to learn by watching and are very useful for an overview of GUI-based components. Typically video presentations should be hosted on youtube.com and slide presentations on downloadable sources for presentations with audio are currently found on the In all cases links to each of the Academy courses should be listed and maintained in the README.md of the GitHub repository of the Enabler itself. It is essential that out-of-date materials are regularly removed from the list. Other "Deep Dive" Presentations Since attention spans are limited, presentations longer than about 10 minutes are less suitable as introductory learning materials. Longer, deep-dive presentations such as those presented during FIWARE Summits should be listed separately in README.md, since the audience will typically be more advanced - i.e. returning users rather than new users. In summary, Academy courses are aimed at new developers who are interested in learning about a Generic Enabler in isolation, and deep-dive presentations are aimed at existing developers who are interested in expanding their knowledge.

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In the digital age, the demand for customization has become quite ubiquitous to most of us. Making connections and communication through content and creative, has become a swift way of reaching out to the masses. One thing that persists everywhere – the way of writing! Thus, what we all have to concentrate on is the written format. The use of functional, clear, and unique fonts is pivotal in this scenario. From the simple tweaks like setting your browser’s zoom point to the e-books need to be aligned writing texts. Creating the ideal reading experience has a lot to do with the clear and aligned fonts. However, in the pool of available fonts, it often becomes very difficult to choose the best among all. Collectively teams are working for selective fonts for e-book readers. Importance of using the right font for your ebook Fonts work like wonder. There is probably a very less number of people who have not yet explored the fonts available on Microsoft word. Writing anything requires a good font to mainly attract the readers to stay on the page for some time. The way a word is used will perceive a better feeling when it will be powered with a good font. In my opinion, it would be a good decision to pick attractive but simple typography for your ebook. It is always recommended not to use very stylish fonts because it can make users lose interest in reading after some time. The ultimate goal to choose the right fonts is to transmit the message effectively While you’re typing on your computer, the ultimate goal is to transmit the idea to the readers. The fonts have a profound effect on the readers and add feel to the context. The perceived idea of understanding any context varies based on the type of font that you choose. Each font has its appeal to it. Shapes are majorly multi-sensory. They can affect more than one of your senses at a time. Emotions feel and understanding all depends on what you see and how you feel about it. Did you know? There are numerous fonts that we’re reading regularly that are affecting us in several ways. The fonts subconsciously tell us what you should buy and where you should go. A piece of content with good fonts is most likely to engage users in reading for longer runs. Numerous researches are based on the fonts from the 100 years old scripts. The data has remained scientifically unproven. It is based on the conclusion that was made regarding the fonts used in writing. There are logical interpretations of it. Like for example, Helvetica font is one of the most serious fonts in the font category. When a person is writing documentation, article, blog, ebook, or any other important information, they prefer to keep the font Helvetica to keep the readers engaged. On the other hand, Comic Sans is one of the most whimsical fonts and have a much opposite effect. Anything written with such a font won’t be taken seriously. Why do good fonts matter in E-books? For both aesthetic and practical functioning of your idea or context font plays a bigger role. This certain font works well in some applications, whereas, the same font doesn’t reach the heart when used for graphic design. The font you will choose for your idea to sell will grab the attention of potential customers. So, if you are into promoting your brand, be wise about the font. 10 Best Fonts For Ebooks [With Examples] This font is my all-time favorite that is being used by 6.3 trillion of the users while writing various things. This style of font speaks about the legibility and the diversified application. It has 12 inbuilt styles to use in different styles like bold, italic, and lots more. The mechanical skeleton, geometric, & open curves feel present in it gives a reading rhythm to the readers. It is immensely growing in popularity among writers and designers as well. Also Read: Best Fonts for UI Design in 2021 2. Open Sans This popular font is designed by Steve Matteson who proposed 10 types of Open sans style. It is made optimized for mobiles, web, and print media. The excellent legibility of the characteristics of this font has been viewed by 5.6 trillion times. In the last few decades, this style has been used for 1.47 trillion views which are 5% high over last year. This amazing Lato font was developed by Warsaw-based- developer Lukasz Dziedzic in the year 2010. It has successfully gathered 1.3 trillion views and now ranking 434 billion times higher. It is increased to 16% in the number of times it is used earlier. 4. Slabo 27px One of the innovative types of font developed by John Hudson, this is an expert contributor to the Unicode. This is viewed by 950 billion viewers. Because of its elegant design, it is used largely by web designers and also by writers. So, you can consider using this font for writing your ebook too. This interesting font is inspired by Alternate Gothic san serif typefaces. This was developed by Vernon Adams launched in 2011. This font was adopted and updated to support Cyrillic characters. This has shown remarkable growth over the years. It is recorded around 6% last year. This is a miniature version of the most popular font of Roboto. There are 6 additional styles highly popular among the top fonts. This is a popular version and originally developed by Christian Robertson. This is a much-friendly and open curve with the geometric mechanical skeleton-type present in it. This font has gathered more than 76- billion views in the lifetime. This is one of the first fonts in the Adobe family, designed by Paul Hunt. The typeface is Sans serif. Source sans pro font has 12 added styles to it. There are around 633 billion times downloaded and 188 billion views. A shape increase of 14% is noticed. This font is the fastest-growing font in recent times which is developed by four expert developers- Sol Matas, Jacques Le Bailley, Julieta Ulanovsky, and Juan Pablo del Peral. It is viewed over 591 billion times over this lifetime. Around 226 billion views are observed last year which increased the total 40% of the growth. This font is attractive and used at a large rate. There are 18 associated styles of Raleway font found in the font family. More than 457 billion active users are actively using it regularly. You will find it in 8 million websites and e-books following a similar pattern. Nearly 142 billion of users increase 14% growth of this font all over. 10. PT Sans The most popular PT Sans font is libre licensed open source font, which is viewed around 428 billion active users around the globe. It is nicely designed by a Russian design agency named ParaType. It is one of the most popular fonts present on the internet. This font includes the Latin and Cyrillic characters. There are 4 amazing styles of this font. How can the font be helpful in the long run? There are five innovative ways that evoke a font to attach to you mentally and emotionally. Fonts used on the e-books needed to connect which increases the sale as well. - Font helps in grabbing the market audience’s attention - Font creates a hierarchy. Your content will be understood by the font layout you’re using in the e-book. The size of the font and the type matters a lot. - Font tends to create an audience recall. Using customized typography enhances and recognizes your work easily. - Font makes the readability better. - Font maintains consistency which is the key to success. To be frank, unbiased, and objective research to determine the readers’ enjoyment into the digital font matters a lot. It is important to make the topic interesting and can be discussed well using useful fonts among the top 10 stated above. However, an ideal E-book is found with perfect readability and characterization. If the font is not simple and appealing no reader will stay on the book for long. Let your voice be heard with the most suitable fonts available and shine through the goal diligently.

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With word 2007, it is super easy to change the formatting of the normal.dot file. Select a new font and size in the font dialog box, and then click default. Open an existing document or enter some text in a new document. How to change default font in word 2007. This will set the font you’ve selected as the default font for all future documents. Select the font you would like to use. Under the group styles, click the dialog box launcher icon available on the right bottom corner. Go to home, and then select the font dialog box launcher. Click yes to make the changes permanent. Open the template or a document based on the template whose default settings you want to change. Open a new document, click on the home tab, click on the font dialog box launcher (as shown in the screenshot below) and select the font tab. Select some text and click the “font” dialog box button in the “font” section of the “home” tab. In the font group, click fonts. How do i set the default font in microsoft word 2007? The default font in word 2007, calibri, is great but if you do not care for it you can change it permanently. Create a new document that is based on the normal template. Change the default font in microsoft word 2007. Set the default font for word. Select a new font and size in the font dialog box, and then click default. The change will apply to word's. Word will ask you if you want these changes to apply to all new documents using the normal template (normal.dot). To use your favorite font in word all the time, set it as the default. Word will ask whether you want to make this the default for this document only or for all future documents. Once you have made your changes, click the set as default button. Navigate to the home tab within the toolbar at the top. There are no direct group policy objects (gpos) to set the default font in word (for both office 365 and 2016). The styles gallery dialog box appears. How to change the default font in word 2007. All documents based on the normal template. How to set default font, size, color in microsoft word 2016, 2013, 2010, 2007set default word office 2016 Create a blank file that is configured by using the font and styles that you want to set as the default. From the home tab in the default word 2007 view, look for the little arrow in the lower right corner and click on it. This will change the default font in the template called normal, which will be applied to all documents that use the normal style. Locate table grid 1 in the list of styles and change the attributes you want to modify for the style. If you're tired of having to change the font every time you start a new document, this article will teach you how to choose the default font. By modifying the normal document, you can change the default word font, paragraph, style, header and footer, page setups, page background, etc. Microsoft word 2007 starts with times new roman as the default font. Be sure to set this to apply to all new documents based on the current template. Open a new document, click on the home tab, click on the font dialog box launcher (as shown in the screenshot below) and select the font tab. Every time you open a new word document, word opens the normal.dot file. Next click the manage styles button to see all available styles. For example, to change the default font for the document you are working on to arial 12, follow these steps: Under the home tab, click the styles group button to open the styles window. To change the default font settings, click the small box with an arrow in the lower right corner of the font section of the home tab in the ribbon. In the font dialog box, choose the default font settings you want. Well there is a simple thing you have to do. Change default font in microsoft word 2007. Select the font, the point size, and any attributes that you want in the fonts dialog box. Then click the arrow thing you see, in the below right corner of the font group. What is the default font and size for microsoft word? While your normal.dotm document is open, from the word ribbon, click the home tab. On the format menu, click font, and then click the advanced tab. Select one of the following: Open a microsoft word document. Make any changes that you want, and then click default. Select file > save as. Set up the font, font size and other relevant things on the font group of home tab in the ribbon. Do the following to change the default font settings in this version of microsoft word: On the “font” dialog box, select the font you want to set as the default in the “font” list box and click the “set as default” button. Click yes to make the changes permanent. To change the default font style and size settings in office 2007, you must go into each program individually and change that program’s default font style and size settings. Then you will get the font properties dialog box. Follow the steps below to learn how: Click yes when you see the message “ do you want to change the default font to font name? To do this, click the microsoft office button, click new in the new document task pane, click blank document, click create. Select the font and size you want to use. If the default font setting doesn’t persist To change default font, font size, font type, font color, etc. Normal.dot is the default template.

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It looks like you're using Internet Explorer 11 or older. This website works best with modern browsers such as the latest versions of Chrome, Firefox, Safari, and Edge. If you continue with this browser, you may see unexpected results. General guide for English research at Wichita State University From the British Library, excerpts from a number of unique books (William Blake's Notebook, for example) in a format that allows users to virtually "turn" pages. Requires Adobe Shockwave or Microsoft Silverlight.

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Whether you’re working on product documentation, service level agreements, or your resume, properly formatting your documents is essential. And even if you’re a die-hard mouse user, keyboard shortcuts can save you time and effort – especially when it comes to formatting Word documents. During this week’s episode of TR Dojo, I show you five sets of Word keyboard shortcuts that will help you format your docs in a hurry. For those who prefer text to video, click the View Transcript link below the video player window or check out Jody Gilbert’s article, “Five tips for lightning-fast formatting in Word,” on which this video is based. And for more Microsoft Word tips and tricks, check out the following resources: - Five Word tips that could change your life - 60 Indispensable Microsoft Word Tips - Five tips for working beyond Word’s page-numbering basic - Cool, lesser-known Microsoft Word keyboard shortcuts - TechRepublic’s Microsoft Office blog You can also sign up to receive the latest TR Dojo lessons through one or more of the following methods:

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The benefits of energy management will be realized by those who can effectively manage the tidal wave of data today’s solutions generate. Enter Energy Management as a Service (EMaaS). At the end of this year, total global data traffic will be 500 times what it was in 2010. One driver of this trend is a new breed of data collection and analysis systems – including energy management systems (EMS) – that collect valuable data on tough business challenges. The impact of this can be overwhelming to facility managers implementing EMS. These systems are popular now because companies like EnTouch have engineered them to provide dramatic energy cost savings and an unprecedented window into HVAC, lighting, refrigeration and other electrical systems resulting in higher efficiency and reduced maintenance costs. The challenge that facility managers face is that a feature-rich EMS can produce up to 13,000 data points per day. But the value created by the EMS is so great that there needs to be an effective way to manage this data. As an analogy, think back to when the point of sale (POS) system was introduced. It was implemented as a way to process payments, but with it came powerful data collection capabilities. That data collection resulted in a “fire hose” of data, but restaurants and retailers didn’t know how to process and “mine” the data. Now, entire industries have grown out of this surplus of data, giving businesses valuable information about their customers and products. Enter EMaaS: Your Team of On-Call Data Scientists What is needed for EMS to be effective is a team of on-call data scientists that are evaluating all incoming energy data in real-time and will alert you to the critical issues as they impact your business. To provide this data analysis, EnTouch has created Energy Management as a Service (EMaaS). Facility managers live in a reactionary world. They have a lot on their plate, so when it comes to handling their energy management data, it is often a result of an emergency. With most of our valued customers experiencing thousands of alerts per month, they simply don’t have the time to sort energy data and respond to each one effectively. Even so, how does the facility manager know which alerts require his or her attention? That’s where EMaaS comes in. Through this 24/7/365 support service, restaurants and retailers have access to a dedicated EnTouch account management team that is monitoring all of the data for them – for each and every location. We make sense of all the data, determine which alerts require immediate attention and build out a custom workflow so that these valued customers can grow and scale their businesses efficiently, without having to scale their facilities team. When an actionable alert is identified, our EMaaS solution creates a ticket and the customer is notified. That ticket is then able to be tracked through the entire lifecycle of the issue. Additionally, by analyzing key pieces of data, we are able to provide customers with valuable insight into what is happening at their facilities and provide actionable information to best address the issue. With EMaaS, EnTouch is providing businesses with an easy to use solution for effectively managing their energy. EnTouch is an additional resource for the facility manager that provides real-time data that can be converted into action which results in significant ROI. See how EnTouch is changing the landscape of energy management and how we can make your team more efficient while saving you more money here: Energy Management as a Service. Sign up for our newsletter!

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Replace is a column transformation function in Snowflake which replaces substrings, in its simplest form all you need to run is select replace(subject,pattern,replacement) from table. In this post I will walk through what it’s useful for and how to use it in your database. Snowflake replace, what is it? Replace is a function which takes a subject string and replaces a defined substring pattern with a new substring. How can you use replace in Snowflake? The syntax for using replace in Snowflake is: replace( subject , pattern , replacement ) Where the arguments are: subject- The string or column where the replacement will take place pattern- The pattern which will be replaced, this can either be a string or a column replacement- The new pattern which will be inserted, this can either be a string or a column There are a few things that you should be aware of when using the replace function: - This function only works columns or values that are a replacementargument isn’t required, if it is left blank then the patternis simply removed - If you provide nullas one of the arguments then the function will return Example of using replace function in Snowflake Replace is a function which few know about but one that can be very powerful when used in the right situations. Here is a simple example of you could use replace to fix for a spelling mistake in one of your columns: /* | product | category | |-----------|----------| | Milk | Diary | | Butter | Diary | | Cream | Diary | | Margarine | Diary | */ select product, category, replace(category,"ia","ai") as category_correct_spelling from prodcuts /* | product | category | category_correct_spelling | |-----------|----------|---------------------------| | Milk | Diary | Dairy | | Butter | Diary | Dairy | | Cream | Diary | Dairy | | Margarine | Diary | Dairy | */

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The most powerful diagram that tells you the story at a glance. Discover the Yamazumi Chart. 🙂 What is the Yamazumi Chart. In this page, you will understand what is the YAMAZUMI CHART. It is a simple diagram that will tell you where it is fruitful to start with a Kaizen event and have immediate results both for you and the customer. Moreover, I have selected for you and a fantastic Lean Web Tool to have the Yamazumi Chart always available! Let’s start with Yamazumi Example below! First of all, here you have an example of Yamazumi Chart for a Product Family and his value stream. look at the first red bar that Takt Time. - But what if the Takt Time change? - What is the process that is the bottleneck? - Where is better to start to improve? This diagram helps you to answer these questions. A Yamazumi chart (or Yamazumi board) is a stacked bar chart shows the source of the cycle time in a given process. The chart is used to graphically represent processes for optimization purposes. Yamazumi is a Japanese word that literally means to stack up. Process tasks are individually represented in a stacked bar chart. These can be categorized as either: The mean duration time of each task is recorded and displayed within the bar chart. Each process task is stacked to represent the entire process step. The axes of the Yamazumi chart are as follow: y-axis represents cycle time. x-axis represents each process step. Often, a target cycle time (that is the TAKT TIME) will be plotted to aid line balancing activities. Why is Yamazumi Chart useful? The Yamazumi chart can be used for both process - Waste Elimination - Line Balancing activity Sometimes it is called TAKT TIME BAR CHART, too. Process steps can be rearranged or deleted to optimize and balance the target process. The tool is intended to support Business Process Improvement teams, that are involved in the Lean Production. It is also a useful Lean training aid. Yamazumi charts are used by Lean improvement teams throughout many process-driven organizations. Benefits of using Yamazumi The Yamazumi board provides a mechanism to rebalance a process when Takt changes quickly. It allows a visual indication of which operations are: - Overloaded (beyond takt) the Yamazumi chart is a great visual tool to show where are: If you arrived here, it means that you have found our guide interesting. Why do not you share with friends? Learning with practice We created for you a very simple Yamazumi Chart Template. With this Yamazumi Chart in Excel, you can simulate a process and understand how this simple diagram works for you. Here is the Kicker! We created for you the only Yamazumi Chart on line. Even if you have not your PC, you can have access to this online feature to have your chart immediately calculated. Finally what the expert says ... We value your privacy and would never spam you

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In this lesson, we see how to use qplot to create a simple scatterplot. The qplot (quick plot) system is a subset of the ggplot2 (grammar of graphics) package which you can use to create nice graphs. It is great for creating graphs of categorical data, because you can map symbol colour, size and shape to the levels of your categorical variable. To use qplot first install ggplot2 as follows: [Read more…] about Doing Scatterplots in R

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Excel Pivot Tables , Pivot Charts, Slicers, and Timelines Webinar ID: 500298 More Trainings by this Expert In this webinar, you will learn how to take all of your raw data and quickly turn that data into easy to use flexible summary reports using Pivot Tables and Charts. We will start with the basics and built up to more complex pivot tables. Many people struggle with how to create Pivot Tables, or maybe they don’t even know what they can do, or maybe they think they are too difficult. I’m going to show you what they, how to use them, and that they are not difficult, and they can give you tremendous results. We will then make Pivot Charts, to graphically show the data. Then, we will add sorts, filters, slicers, and timelines to create a very easy-to-use, but very powerful dashboard that can give you instant results, and allow you to slice and dice your data any which way. You and your staff will be instantly more productive in Excel. These techniques will work cross-industry, with any type of data. You will find it to be clear and concise and right to the point, and you will be able to apply these techniques to your own data immediately after the session. Why should you Attend: Areas Covered in the Session: - Business owners - CEO's / CFO's / CTO's - Managers of all levels - Anybody who uses Excel on a regular basis, and want to be more efficient and productive Who Will Benefit: - Creating and managing Pivot Tables - Changing the calculation type - Adding additional calculations - Creating custom calculations - Multilayer reports - Creating Daily, Monthly, quarterly and yearly summaries - Adding A pivot chart - Adding Slicers - Adding timelines Tom Fragale is a computer professional with over 30 years of professional experience. He is a Microsoft Certified Trainer, and a Microsoft Certified Expert in Excel. He has trained over 30,000 business people in on-line webinars, public seminars, and on-site training. His clients include many Fortune 500 companies, government agencies, military bases, and companies large and small across many industries, including manufacturing, banking, pharmaceutical, education, retail, etc. He started his career as a database application programmer and has served as a consultant and project manager on many successful projects. His topics of expertise include: Access, Excel, Word, PowerPoint, Outlook, Crystal Reports, SQL Server, Visio, QuickBooks, and SharePoint, among others. His passion is training people and helping people get the most out of their computers, and he is a published author having written a book on Microsoft Access. He graduated in 1988 from LaSalle University in Philadelphia, PA with a BA in Computer Science.

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Text tilesMedia: video & written how-to articles • Advanced tips & tricks • Under 15 min By the end of this session, you will be able to: - Recolor text elements (H1, H2 , etc) by CSS classes - Recolor a single word by CSS class - Change tile-caption/ background by CSS class - Change tile-caption/ background on hover by CSS class Today is about textiles. In addition, we’ll be showing you some other back-to-basics on how to recolor text, recolor backgrounds, and all that jazz. Starting off with the first skill is how to recolor the subheading to create some visual separation in our hero page. For all these skills, the first step is always to head over to the CSS Wiki. We have some newly added CSS there we will put back into the Site Editor custom CSS in the left-hand panel. Then we’re going to apply that to wherever we need it. In this case, we want to go over to the Wiki, grab the CSS and then apply it to the tile. Changing the heading color To start, we want to head over to the Wiki and go to the textiles subpage. What we’re looking for is the “change text color” CSS. We want to copy this, go into the custom CSS in the Site Editor, then paste that in. In plain English, what this does is it changes the color of all the headers and the paragraphs. We only care about the hex value in the code. The important tag on the right-hand side is to ensure our changes go through without being overridden by anything. So there is some CSS, but all we care about is the color value. I want to change this subheading to a different color. This subheading is an H3. What I want to do is grab the H3 color class. Copy that. Then, I’m going to apply that to a tile, and it gets recolored. Now you can do the same thing for the headers. If I write H1 color, that’s going to get a custom color, same with P color, which is the paragraph. You can really customize a lot using this. But for now, we just want to recolor the subheading under the header. How do we make it our own color? When you copy-paste the CSS, it comes with its own preset color, but how do we get it to our brand color? So going back to the H1 value in the CSS, you can see the color. We want to switch it out. I’m going to delete all the purple, and we can replace that by writing red, green, and then light blue and replace that with whatever. But usually, we have a brand color in mind. I’ve prepared a couple of brand colors from Zoomforth at the top of the CSS. So I want to copy in our Zoomforth blue, just copying in that code. And there we go. So again, we’re just grabbing the CSS from the Wiki, setting the colors that we want and then applying it wherever we need it. That way, you can create some visual separations in your site. Changing the color of a specific word What if I want to emphasize one word in this heading instead of recoloring the entire H1 to one color? We’ll have to grab some CSS from the Wiki. So let’s head back over, scroll down a bit, and we have “recolor a word or phrase”. Grab this CSS and again, paste that into the page editor. This class is called italic to color, and this is a bit of a hack. So what this CSS says essentially is anything we tag as italic style instead becomes this color. Grab the CSS class, and paste that in. Now that we’ve added this, any text that we tag as italic becomes a different color. You can forget about the italic part of it. It’s more that we’re using the tag italic as a vehicle for pushing some color into the section here. We’re replacing the function. Again, it does come with a preset color, but I have a brand color in mind. So I want to get that Zoomforth blue going here again. The good part about this is it gives you a lot of freedom when it comes to choosing how you add your color. You can select one word, or as I showed before, you can select different text elements within the same tile to change the color. But for now, I just want to emphasize “trackable” in this hero headline. So again, grab the CSS from the Wiki, the only real value you need to care about in all this CSS is just the color value. This is what you’ll replace with whatever your brand colors are. Recoloring a tile What if you wanted to recolor a tile to perhaps a color that you don’t have a style preset for yet, or you want to create some other variation? Heading over to the tile section of the CSS class Wiki, we’re going to be grabbing the “Change tile, and tile caption color” CSS. Essentially it says, set the tile or the tile caption background for any tile. So just going to copy it and paste it into our page editor CSS. From here, it is the tile color class that we’re after now. When you copy some classes from the Wiki, sometimes the CSS can get a little long. So how do you know which class you should add to the sections? Usually, that’s what we write under the CSS title in the Wiki. The title-color class is what you want to add. You can copy it from the site CSS code that you’ve just pasted, or you could just as well view them in the WIki description. What we can do from here is paste in the tile color class, and this class works for a single tile. So you can draw some extra attention to a tile. We could also add it to the entire section, coloring all tiles this way. It comes with a preset red, but for this one, I want to add our Zoomforth yellow. The one value that we’re looking for is the purple color value. Remove that and paste in our brand color. This tile color does not only work for textiles, which is the sort of primary subject today. But it also works for, let’s say, team images. They can draw some emphasis to certain positions or locations or just recolor all of them. This it’s the same class as you would add to a textile. Changing the color of a tile background on hover Lastly, as a bit of a bonus on changing tile backgrounds, something I want to show you is how you can change the tile background, but only on hover. So this is really in vain with what we’ve done so far. Head over to the Wiki and onto hover effects. We’re just going to scroll down. Here we have CSS where we can hover and recolor a tile. There are also some properties you can customize, like the animation speed and the color. I really like recoloring tiles on hover when it comes to interactive tiles. I think these tiles are a good example of that. So let’s just remove the CSS class we have here for now. And instead, let’s add the hover color class to the site CSS. Let’s add that class to the tile as well. As you can see on hover it has the black default, but as always, when we get CSS that has a default value, we want to replace that with our brand colors. So copy in that yellow that we had before. This is good for things like external links like or team tiles that have an extra function that open up into an overlay. It really is a good hover effect to show some interactivity on these tiles in particular while perhaps leaving these other tiles up top a bit more neutral to draw more attention to the interactivity of these. So again, what we basically covered is the recoloring of some words, the recoloring of tiles, and additionally, some hover effects in the same vein.

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- There are three ways to check your word count in Microsoft Word. - You can find your word count in Microsoft Word at the bottom of the window, or by opening the “Review” menu. - If you add word count to your Quick Access toolbar, you can check it with just a click. - Visit Insider’s Tech Reference library for more stories. Microsoft Word has evolved a lot over the years, adding all sorts of new features to keep you productive. But no matter how many bells and whistles Word brings, few features will be as useful as the word count menu. The word count menu shows you how many words you have in your document, along with the number of pages, characters, lines, and even paragraphs. Whatever you’re writing — an essay, a book, a news article — knowing your word count is vital. Luckily, Microsoft Word gives three quick ways to check your word count. Here’s how to use each one. How to check your word count in Microsoft Word The simplest way to check your word count is by looking down. By default, you can see your current word count in a small box in the bottom-left corner of every Microsoft Word window. It’s right next to the page count. If you don’t see it here, right-click the bar at the bottom of your screen and make sure that Word Count is checked off. You can click this count to open the more detailed Word Count menu, which also lists how many characters, paragraphs, and lines your document has. The other way to access this menu is by clicking Review at the top of the Microsoft Word menu, and then Word Count. It’ll be on the far-left side of the Review tab. Finally, you can add a word count option to the Quick Access toolbar, a small menu of icons in the top-left corner of your screen. To do this, open the Review tab again and right-click Word Count, then select Add to Quick Access Toolbar. Once you select this, an icon that looks like a series of lines with “123” underneath will appear in the Quick Access toolbar. Click it to open the Word Count pop-up right away.

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If you're looking to display your data with a more visual-driven focus, then you should consider using Chart views. When creating a chart, you should ask yourself three different questions: - What chart display type should you use? - What values do you want on the X and Y axes? This would be determined by the orientation of your data set. - How many individual series on the chart do you want to draw? This would be determined by the number of columns or rows that you have in your chart. Let's answer the first question by exploring the charts that AppSheet supports. What chart display type should you use? A histogram displays the frequency of data items in successive numerical intervals. This is ideal for segmenting and drilling down a data set. You can also represent the aggregated values as an aggregate pie chart. A pie chart displays the proportions of data items in comparison to each other. Each row in your data creates one slice of the pie. Pie charts are useful for displaying categories of qualitative or descriptive nature. A donut chart also displays the proportions of data items in comparisons to each other, in the same manner that a pie chart does. Likewise, each row in your data creates on segment of the donut. A scatterplot chart plots two variables of a set of data on a graph. This is useful for visualizing any correlation between said variables. Column series chart A column series chart is a bar chart. It creates series based on the columns of the data set; therefore, it is most appropriate for data sets with just a few columns. Notice the orientation of the data; both quantities along the X and Y axes (years and number of cats) are columns in the data. This is what distinguishes a column series chart from a row series chart - in a row series chart, both quantities would be rows in the data. Row series chart While the visual chart is identical to a column series chart, now the x- and y-axes are taken from rows in the data. When selecting between column and row series, make sure to consider in which direction your data is oriented. Column/row series [Line] A column/row series [line] chart is a line chart; this is often used to visualize a trend in data over intervals of time. As with regular column/row series charts, you can create either a column or a row series [line] based on the direction your data is oriented. Column/row series [Stack} A column/row series [stack] chart is a stacked bar chart; this is often used to break down large categories and compare parts of the whole. As with the column/row series chart and column/row series chart [line], the values that display on the x and y-axes depend on the direction that your data is oriented. What values do you want on the X and Y axes? There is currently no way to independently select the X and Y axes of your bar, line, and stack charts. In order to select the values that will go onto the X and Y axes, you must go into your data and determine whether you should use a column or row series chart. Take the chart below for an example. Assume you want to display the Year column along the X axis, and the Cats column along the Y axis. Because you want to visualize columns, you would select Column Series Chart as the chart type in the editor. How many individual series on a chart do you want to draw? This would depend on the number of columns or rows you have in your data. In the above data, you could display up to two series on the same chart. For example, if you want to display dogs and cats on the Y axis, go to the UX > Views pane, expand the view, and add any columns that you want to visualize on your graph using the Chart columns field.

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Excel includes powerful tools to perform complex mathematical calculations, including what-if analysis. This feature can help you experiment and answer questions with your data, even when the data is incomplete. In this lesson, you will learn how to use a what-if analysis tool called Goal Seek. To get started subscribe to this 28 day course. By subscribing you'll have the ability to set reminders, checkoff where you are, and leave your thoughts in the comments. We're thankful that you're here and excited to be part of your journey!

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Office 2019’s help function is available, as usual, by pressing theF1 keyboard key, which will open the Alternatively, you can search using the To use the help function, proceed as follows: - Simply click to the right of the light bulb icon, which will openthe text placeholder. - Start typing a question to get help, and the feature will offersuggestions as you type, as illustrated in the followingscreenshot: - Select a topic in the drop-down list to obtain the help topic yourequire.

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Data science has now taken over practically every business on the planet. Data Science Applications’ role has not evolved overnight. There isn’t a single industry in the world that isn’t dependent on data these days. We can now forecast outcomes in minutes, which used to take many human hours to process, because of faster computing and cheaper storage. As a result, data science has transformed into a source of energy for enterprises. It is not useful in and of itself; the valuable thing is to filter it into valuable information, transforming data into the 21st century’s gold. Data Science Applications did not evolve into a new role overnight. Data science is an ever-evolving discipline, with data science methodologies addressing complicated commercial and industrial problems. Because of quicker computers and cheaper storage, we can now predict outcomes in minutes that used to take many human hours to process. Data science approaches are an essential component of company operations, assisting in the wrangling and analysis of massive data sets in order to arrive at a defined answer. Data scientists address questions about the future. Data Science is the in-depth study of huge amounts of data, involving the extraction of meaning from raw, structured, and unstructured data. They start with big data, which has three properties: volume, diversity, and velocity. Extracting useful data from huge amounts of data requires data processing, which can be accomplished through the use of statistical techniques and algorithms, scientific methodologies, various technologies, and so on. The data is subsequently fed into algorithms and models. The most cutting-edge data scientists working in machine learning and AI construct models that autonomously self-improve, identifying and learning from their failures. Enroll on a data science course in Hyderabad to know more about these. By managing massive amounts of data, data science has aided the healthcare business. Data science applications aid the healthcare business in particular. Massive medical data can be sorted in a digital environment using machine learning, artificial intelligence, data analytics, deep learning, and other techniques. In the healthcare industry, data science is making significant progress. Data science is employed in the detection of tumours and artery stenosis, and organ description using numerous approaches and frameworks such as Map-reduce to determine optimal parameters for tasks such as lung texture sorting. Data science is applied in many areas of health care. For stable texture classification, it employs machine learning approaches, support vector machines, content-based medical picture indexing, and wavelet analysis. Fraud and Risk Detection The initial application of data science was in the field of finance. Banking firms have learned through time to divide and conquer data through consumer profiles, historical expenditures, and other critical criteria in order to estimate the probability of risk and default. Organizations were continually fatigued by horrible demands and calamities. Finance and data science are intrinsically related since they both deal with data. Nonetheless, they had a large amount of data that was obtained throughout the first process while authorising credits. Companies used to have to go through a lot of paperwork to begin authorising loans, keeping them up to date, experiencing losses, and becoming in debt. They choose to carry out data science methods to safeguard themselves from losses. It also facilitates the promotion of banking products based on consumer purchasing power. Managing banking firms have worked out how to identify and defeat data utilising client profiling, previous usage, and other essential characteristics to analyse the probabilities of risk and default over the years. Furthermore, it aided them in marketing their banking products based on the purchasing power of their consumers. Furthermore, it aided them in pushing their banking products based on the client’s purchasing power. Algorithms based on data science are also employed in digital advertising. Data-driven processes and tools are now widely used by businesses to develop, access, manage, store, and analyse the information derived from consumer data. Though internet browsing is one of the most important uses of data science and machine learning, the full digital marketing spectrum is another. Data scientists acquire information on e-commerce transactions or web page clicks using data mining technologies. Data science techniques are utilised to display banner ads on various websites as well as digital billboards at airports. These can assist businesses in making educated decisions, such as pricing products in the market based on expected demand and cost-benefit analysis. As a result, digital advertisements have a greater CTR than traditional commercials. These are not the only areas in which data science can be applied. Data science provides enormous opportunities for businesses to develop and evolve, as well as make better decisions, which contributes to higher profits. Aside from these applications, data science can be found in marketing, finance, human resources, healthcare, government programs, and any other industry that generates data. In recent years, successful data science applications have aided small and medium-sized businesses in achieving solid growth. To know more, check out the official website Learnbay: the best data science course in Hyderabad. Data science is used by marketing teams to determine which products are most likely to sell. Businesses will invest more in data science and related technologies in the future years in order to get essential insights and useful information and make the most of the available data. Data can provide insights, drive efficiency initiatives, and inform forecasts when critical thinking meets machine-learning algorithms.

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The Lookup-widget allows users to choose one or more options. A multiple selection drop-down will appear when clicking on the widget. Follow the steps and configure your predefined values for the widget. No MoreApp account yet? Sign up here. 1. Add the widget to the form Go to your MoreApp Platform and open the form you want to configure. Click on Edit Form to open the Form Builder. Add the Lookup-widget. 2. Configure the widget After adding the widget to the form, you can edit the Properties by clicking on the pencil. At Label, you can set the question or title for this field. With Options, you can write or create different possibilities for the answer. You can include as many options as you need, by clicking on Add. If you want one of the options to be marked automatically when the users opens the form, choose this option on the Default Value section. 3. Extra configuration At the Properties of the widget, you will see several check boxes to complete the configuration: Click Sort Alphabetically if you want the options to appear from A to Z. When the question can have more than one answer, enable Allow multiple selections so the users can choose more options. In order to change the layout of the form and have the options directly visible, click on Expand. You will not need to open the drop-down. To make the field compulsory, check the Required box. Users can fill in the form quicker if they enable the Remember input option. The device will remember it for the next submission. Once the configuration is done, click on Save. Then, Save & Publish the form so it is ready to use. Read here how to make calculations with the Lookup-widget. Want to stay up to date with our latest tutorials? Go to YouTube and hit the Subscribe button!

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After I type text, I can't correct a word. When I click on it it will select a new text box above it. I can only delete the entire text. After typing a word/paragraph, I can not delete any part of the word except I can select it and delete the entire word/text box. I just got illustrator a couple of months ago and I have always had a problem with it, but now it doesn't work at all. Help! I am closing the ticket due to lack of response. Please get in touch with us at any of the other support channels – helpx.adobe.com/support.html. Please give a reference to this post so that we can identify you.

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1 edition of Understanding Data Pattern Processing found in the catalog. Understanding Data Pattern Processing William H. Inmon September 24, 1993 by Q E D Pub Co Written in English |The Physical Object| |Number of Pages||155| Feb 25, · Pattern Classification - Kindle edition by David G. Stork. Download it once and read it on your Kindle device, PC, phones or tablets. Use features like bookmarks, note taking and highlighting while reading Pattern Classification/5(40). Mar 02, · By the end of this book, you will be well-versed in using Azure Stream Analytics to develop an efficient analytics solution that can work with any type of data. What you will learn. Perform real-time event processing with Azure Stream Analysis; Incorporate the features of Big Data Lambda architecture pattern in real-time data processing5/5(3). Data mining can provide a more complete understanding of data by finding patterns previously not seen and make models that predict, thus enabling people to make better decisions, take action, and therefore mold future events. Data mining tools must have the ability to process data input from very different database structures. Oct 22, · The book tackles careers in data processing; the tasks carried out by the data processing department; and the way in which the data processing department fits in with the rest of the organization. The text concludes by examining some of the problems of running a data processing department, and by suggesting some possible inspirationdayevents.com Edition: 2. Many data scientists use large data size in volume for analysis, which takes a long time, though it is very difficult to analyze the data sometimes. In data analytics applications, if you use a large amount of data, it may produce redundant results. In order to overcome such difficulties, we . Statistical pattern analysis and its procedure by Mitsuo Fujioka 1 and Hiroshi Iwai 2 1 Purpose When analysing statistical data, the integrated use of several kinds of data often facilitates a comprehensive understanding. To take an example, for an analysis of data. Juvenile justice trends, 1977-1987 The conduct of political inquiry Low-income student in the community college Social and economic change in Haryana ABC of work related disorders The effect of exercise on exercise-induced muscle soreness and other indicators of muscle damage DODGERS READER PA The lord of history The sprouters cookbook Integrity testing for low-pressure membranes Brighton new guide Note: Citations are based on reference standards. However, formatting rules can vary widely between applications and fields of interest or study. The specific requirements or preferences of your reviewing publisher, classroom teacher, institution or organization should be applied. Apr 29, · This completes the final pattern for data processing. Summary. In this article, in the queuing chain pattern, we walked through creating independent systems that use the Amazon-provided SQS service that solve fibonacci numbers without interacting with each other directly. Processing is a flexible software sketchbook and a language for learning how to code within the context of the visual arts. SinceProcessing has promoted software literacy within the visual arts and visual literacy within technology. This is a design patterns catalog published by Arcitura Education in support of the Big The processing engine then creates a processing job to perform the required data processing based on the data stored in the storage device. the application of the Centralized Access Management pattern may further be required to ensure that only. Understanding of digital image processing using MATLAB is a book for a course of Image Processing using Matlab along with techniques for developing GUI and to covers few advanced topics. Nov 30, · I regularly write articles about Data Science and Natural Language Processing. Follow me on Twitter or Medium to check out more articles like these or simply to keep updated about the next ones. Thanks for reading. PS: the answer to the last one is “1a 2b 3c 4d 5e 6f 7g 8h 9i”. Gain insights into image-processing methodologies and algorithms, using machine learning and neural networks in Python. This book begins with the environment setup, understanding basic image-processing terminology, and exploring Python concepts that will be useful for implementing the algorithms discussed in the book. The expression "data processing" was first used in The Latin word data is the plural of datum, "(thing) given," neuter past participle of dare "to give". Data may be used as a plural noun in this sense, with some writers—usually scientific writers—in the 20th century using datum in. The definitive book if you want to master the architecture of an enterprise-grade streaming application. Sergio Fernandez Gonzalez, Accenture. Streaming Data introduces the concepts and requirements of streaming and real-time data systems. The book is an idea-rich tutorial that teaches you to think about how to efficiently interact with fast-flowing inspirationdayevents.com: Manning. 4.x Book 3.x Book checks their validity according to authentication or authorization rules, delegates data fetching or processing to the model, selects the type of presentational data that the clients are accepting, and finally delegates the rendering process to the View layer. Because it is a tried and true software design pattern that 2/5. A basic understanding of the concepts in analytics is all you need to get started with this book. What You Will Learn. Perform real-time event processing with Azure Stream Analysis; Incorporate the features of Big Data Lambda architecture pattern in real-time data processing; Design a streaming pipeline for storage and batch analysis. a basic understanding of how to plan, evaluate and successfully refine a data mining project, data archeology, and data pattern processing) [Fayyad, et al, ]. The term “data mining” is primarily used by statisticians, database researchers, and the MIS and business communities. The term Data mining uses the data warehouse as the. The main parts of the book include exploratory data analysis, pattern mining, clustering, and classification. and natural language processing. This book will teach you concepts behind neural networks and deep learning. View Free Book. Data Mining and Machine Learning. Languages: Understanding the Chief Data Officer Julie Steele. In computer science, pattern matching is the act of checking a given sequence of tokens for the presence of the constituents of some inspirationdayevents.com contrast to pattern recognition, the match usually has to be exact: "either it will or will not be a match."The patterns generally have the form of either sequences or tree inspirationdayevents.com of pattern matching include outputting the locations (if any. Data processing is any computer process that converts data into information. The processing is usually assumed to be automated and running on a mainframe, minicomputer, microcomputer, or personal computer. Because data are most useful when well-presented and actually informative, data-processing systems are often referred to as information. Part of the Lecture Notes in Computer Science book series (LNCS, volume ) Also part of the The papers cover both classic and the most recent trends in image processing, computer vision, and pattern recognition, addressing both theoretical and applicative aspects. artificial intelligence classification data security descriptors. Gain insights into image-processing methodologies and algorithms, using machine learning and neural networks in Python. This book begins with the environment setup, understanding basic image-processing terminology, and exploring Python concepts - Selection from Practical Machine Learning and Image Processing: For Facial Recognition, Object Detection, and Pattern Recognition Using Python [Book]. About the book. Natural Language Processing in Action is your guide to building machines that can read and interpret human language. In it, you’ll use readily available Python packages to capture the meaning in text and react inspirationdayevents.com: $ This book is your guide to understanding the basics of how Azure Stream Analytics works, and building your own analytics solution using its capabilities. You will start with understanding what Stream Analytics is, and why it is a popular choice for getting real-time insights from data. Then, you will be introduced to Azure Stream Analytics, and. If market forces make the wrong decision, they soon correct themselves, or so capitalists believe. For our current purposes, it doesn’t matter whether the theory is correct. The crucial thing is that the theory understands economics in terms of data processing.” ― Yuval Noah Harari, Homo Deus: A. Data Mining: Concepts and Techniques provides the concepts and techniques in processing gathered data or information, which will be used in various applications. Specifically, it explains data mining and the tools used in discovering knowledge from the collected data. This book is referred as the knowledge discovery from data (KDD).Get this from a library! Pattern Analysis and Understanding. [Heinrich Niemann] -- This book treats the problem of pattern analysis, that is, the automatic interpretation of sensor signals, in particular images, image sequences, and continuous speech. The emphasis of the book is on.Jul 14, · Brain-like computation is about processing and interpreting data or directly putting forward and performing actions. Learning is a very important aspect. This book is on reinforcement learning which involves performing actions to achieve a goal. The first 11 chapters of this book describe and extend the scope of reinforcement learning.

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Manage Inspection Forms Tool This blog will provide a quick overview and use case of the Manage Inspection Forms Tool. This is part of a series of blogs looking at Work Center functionality and our experience in implementing them. The Manage Inspection Forms tool is used to create inspection forms that can be used by inspectors to Conduct Inspections. The initial view of this tool is a dashboard showing each inspection form as a card in the Inspection Form Library. Let’s create an inspection form and review some of the built in functionalities within this tool: - In the Manage Inspection Forms tool, click Create form. - Name the form, enter a form type and click Form instructions to add any specific instructions. Click Save. - Next, click Add Question. - In the Question field, enter the question you want to add. - From the Response Fields menu on the left, choose the type of response that you want to add (i.e. if you want the inspector to record the date of the reading, select Date only from Date Entry Response options). - If you’d like a response to be required, set Required to Yes. - You could also add an example of the response for inspectors’ reference. - You have the ability to choose multiple options from the Response Fields menu for a single question. (i.e.: select Meter Readings to record the odometer reading). - When you have finished adding questions, click “Done” - To add more questions, click “Add Question” and Click Save to save the inspection form. To make the inspection form available to inspectors, it is important to change the status of the form to Active. Adding conditions to inspection forms Certain conditions can be added to the response fields of existing questions. For example, a question might ask, “Does the fan have any obvious visual defects?” If the response is yes, another question might request to upload pictures of the visual defects. - Conditions can only be added to responses on existing form questions that are defined as single choice response or characteristic meter readings - The inspection form must be in Draft or Pending Revision status to be able to add a condition To add a condition, click “Conditional Settings” icon on the Revision History page In the Groups and Questions column, select the question you want to add a condition to and click Add Condition. You could also define whether the selected response field is visible and required. Click Save. Revising an Inspection form You can revise active inspection forms to add or change existing information. While the form is in pending revision status, the current active version will be available to be used by the inspectors. To revise an inspection form, you should click “Create Revision” on the revision history page. The new revision line will appear in the revision list with a “pending revision” status. Click the pencil icon for the revision line to make the required changes. After the changes have been made, click Save and change the status to Active Associate Inspection form with specific assets and location You have the ability to associate the inspection form with specific assets and locations. You could easily do so through the Actions menu in the Assets or Locations application. Associating inspection forms with work orders You can associate inspection forms with work orders in the Work Order Tracking application. There are a few possible ways to accomplish this. - In the Job Details section of the Work Order tab, click the Detail menu in the Inspection Form field to associate an inspection form - In the Multiple Assets, Locations and CIs section of the Work Order tab, click the Detail menu in the Inspection Form field to select an inspection form - On the Plans tab, you can associate an inspection form with a child work order in the Children section or a task in the Tasks section. Next week, we’ll look at some of the functionality in the “Conduct an Inspection” Tool. Stay Tuned!

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An affordance is a clue that informs you of an action that something can perform. A signifier is the indicator of that affordance. For example, a button that looks like a button will be perceived as an element that can be pressed to produce an action (affordance). Clickable buttons usually have a drop shadow effect to show that they are clickable, while inactive buttons have a faded color to show that they are inactive (signifiers). Signifiers are not just component labels. Instead, they are other features of a user interface (UI) element that convey affordance. A few examples are: color of the element itself color of the element in relation with other colors around emphasis on text placement of element in the general hierarchy of the interface Affordances and signifiers are used together to convey meaning. As shown below, the buttons are affordances and their placement is the signifier that conveys one button has more significance than the other. In the figure below, the button, affordance is using multiple signifiers: color signifier: the interface’s primary action style word signifier: the text that indicates what to do directional signifier: forward arrow In real life, Norman discussed this approach, which is called “The Norman Door.” A door is an affordance that can be both pushed and pulled. A handle is an indication of pull, whereas a plate is an indication of push. If these are placed the other way around or a handle is placed on both sides, it is an example of a bad user experience. False affordance is the case where an element has the appearance of and gives the impression that it can perform a certain action, but in reality, it cannot. As shown below, the underlined text seems like it is a link, but it is not. Negative affordance is when an element looks like a UI component and it is a UI component, but it does not behave like that, e.g., a disabled button, as shown below: Hidden affordances are when the element is not perceivable until the user interacts with it. Affordances and signifiers are essential elements of a UI. However, it is important to use them correctly so that they do not have the opposite effect. An affordance must look like an affordance, i.e., a button should look like a button, and should have specific signifiers that help identify the element. View all Courses

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