Monthly Archives: August 2017

Masters In Economics The Good And The Best

The title doesnt say the good and the bad as there is nothing bad if you are into economics field, let it be the leadership opportunities or the scope in the future. It is the breeding ground for becoming the masters in any business. It is no surprise that the presidents or the financial ministers of top notch nations are graduates in economics. This is also the reason behind Universities investing a fortune in economics field hoping that some of their students become the leaders of the future!

Economics, the subject and a social science that determines the production of resources, both materials and human has its role in any organization of business. While microeconomics deals with the static items like consumers, sellers etc, macroeconomics studies the behavioral issue like unemployment and policies.

Master studies in economics will help you sustain the competition and emerge as a true leader provided you have the zeal in you. If you are considering for masters in US, many Universities have the following admission criteria

– You need to hold a bachelors degree from a recognized university preferably in related field

– You must have cleared an English test like IELTS or TOEFL to make sure that you can sustain in the USA. Also, this is required as economists do need impeccable communication skills

Masters in economics is studied in various tracks like general, gender analysis, research, financial policy etc. Once you have graduated, you can get an opportunity in any of the government agencies, NGOs or financial institutions etc based on your specialization. The top specialization fields in economics that are chosen by students are industrial economics, demographic economics and financial economics. The typical jobs that economic graduates get include but not limited to financial analysts, financial consultants, budget planners, market analysts, econometricians etc.

Among the specializations, financial economics is the one that is undoubtedly a core economic subject. This is a 1 and half to 2 year course and is a mix of theory, modeling and practicals. While the theory aspect is about decision making in markets, you learn how to allocate assets and valuate them in practical. Also, you get to learn various financial instruments like forex, equities, income, portfolios etc. The weight-age differs among economic and professional degrees. More emphasis is put on theory in economic subjects while application is given importance in professional subjects.

Economics, for sure, is a degree for the geeks who are into statistics and planning. If you are planning for masters in economics, it is good to choose among the top schools for economics like Purdue University, University of Texas at Austin or the New York University and you can end up working in World Bank or the IMF!

Biofuel Market In Asia Pacific To 2020

The demand for petroleum products across the globe will increase in the future due to rising income levels and increasing industrialization. The demands for petroleum products will lead to high imports of crude oil which will in turn impact upon foreign exchange reserves. The increased demand for petroleum products will have a negative impact on the environment. APAC countries are therefore striving to create their own energy sources so that they can have large foreign reserves and be independent of any other oil producing countries.

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The development of the biofuel industry in APAC countries has been assisted by various policies that aim to promote the production of biofuel. These policies vary from targets to blending mandates to economic steps such as subsidies, fiscal incentives and tax exemptions. While most of the policies revolve around economic factors such as need for energy selfsufficiency and security and economic development, some of the policies also cover sustainability issues such as restrictions made by China for the production of certain types of biofuel. The table below shows the policies in some APAC countries.

Biofuel production in the APAC in 2005 was 31.5 thousand barrels per day (Mbblpd). Production of biofuel rose to 89.9 Mbblpd in 2009 with a compound annual growth rate (CAGR) of 30% for the period 20052009. GBI Research estimates that biofuel production by the end of 2020 will be 253.2 Mbblpd. The CAGR for the period 20102020 will be 9%. The figure below shows biofuel production in the APAC for the period 20052020.

GBI Research’s new report, Biofuel Market in Asia Pacific to 2020 Need for Energy Independence Will Spur Biofuel Demand in the Region ” provides key information and analysis on the market opportunities in the Asia Pacific Biofuel Market. The report provides the latest information on the biofuel production and consumption with a detailed assessment of the market forces influencing the Asia Pacific biofuel market. The report also provides analysis of key countries which includes China, Thailand, Malaysia and India

This report is built using data and information sourced from proprietary databases, primary and secondary research and in-house analysis by GBI Research’s team of industry experts.

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For more details contact:

North America: +1 646 395 5477
Europe: +44 207 753 4299
+44 1204 543 533
Asia Pacific: +91 40 6616 6782

A debt relief attorney Memphis will help their clients with ways to come out of debts

A debt relief attorney Memphis will help people by the harassment which they face from the creditors. Creditors when they don’t get their payment on time then they will harass the people by calling them so many times or by visiting them and troubling them with different ways. This situation becomes impossible to handle and the harassment becomes unbearable. For those who are facing such problems can get relief by filing for bankruptcy by which a person can get back their finance sanity. Before filing for bankruptcy the debtors will ask the creditors some time and explain their problem and when the debtors do not understand the debtor’s situation and the matter goes out of control then the bankruptcy is filed.

Situation when the bankruptcy is filed

When everything is not going smoothly with the debtors and creditors and things go out of control then the bankruptcy is filed. When the creditors who do not receive the debt which they owe and they begin to torture or threat the debtors then this situation arises but in reality a person do not have to wait till they receive any threat as this is not right.

Services that are offered by debt relief attorney

A will answer the entire question related to the bankruptcy. As soon one employs this attorney they will first make sure that they stop the harassment from the creditors. After employing an attorney the debtor will not be in touch with the creditors as when a creditor calls then the debtor will have to give the name and number of attorney and only then they will be contact with each other without giving any trouble to the debtor. The lawyer will speak for their client in the court and act on behalf of them and fight in favor of their client.

If the debtors do not have any home or any secured debt then all his debts will be discharged and if he has a home or has a debt like vehicle loan then the settlement is made accordingly and the lawyer will help their client in settling everything where the debts are not be discharged and one can get some time for repayment and one might also loss their home or vehicle in the settlement. The lawyers will guide their client in rehabilitating the credit. One should be patient and listen to the advice of their attorney for best results.

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is conveying information about debt relief attorney Memphis and . You’re probably thinking, everyone says that, so, what’s different here. It’s the commitment of quality, genuineness, and a guarantee that values your time and interest.

Cp 91 – Tax Masters Explains What Irs Notice Cp 91 Means

What is a CP 91?

Similar to a CP 90, A CP 91 is a final notice before the IRS puts a levy on your social security benefits. Basically, the IRS is letting you know that they will be taking money out of your social security benefits to pay off the taxes you owe. If your monthly benefit is more than $750, the IRS can garnish 15% of your monthly benefits for taxes that are at least six months overdue.

How serious is a CP 91?

On a scale of 1 to 10, this is a 10! You will not be receiving any more notices and the IRS will be taking your social security benefits. You need to act quickly if you want to try and stop it.

What can I do when I receive CP 91?

Whatever you do, DO NOT ignore the CP 91 tax notice! That will only ensure that your benefits are taken and you will be put in bad standing with the IRS. Because this notice is so serious, your best bet is to contact a reputable tax resolution firm, an enrolled agent, CPA, or tax attorney familiar with tax debt cases. You have a decent shot at a good settlement because you are past your earning years. When settling your taxes, however, you must show hardship (form 433-A) and must be able to come up with the money to apply ($150) and 20% of the amount that you propose to settle the debt for. Plus, you have to show where you got the money to pay for this process and how much you plan to pay and when (An Offer in Compromise- form 656). Having a tax representative to get all the documents, forms, and finances in order, in a way that the IRS will accept, can really increase your odds of a good settlement.

If you dont qualify for An Offer in Compromise there are still some things a tax resolution firm can do to help you. They might be able to set up a partial payment plan (where you only pay what you can afford every month) or get the IRS to declare the debt uncollectable. Bottom line is, you have to do something because your benefits are at serious risk.

Important Information about CP 91:

The IRS may start the process of levying your Social Security benefits before your 30 days is up, because they know the system is typically slow. In other words, you need to deal with this IMMEDIATELY (it may already be too late). The IRS will not deal with a tax payer in any way before they have filed ALL delinquent tax returns. In other words, before you can stop a levy, you must have filed all old returns. There are NO EXCEPTIONS!

Disclaimer: The above should not be taken as tax advice, but as some common sense responses to an IRS notice.

Consider your investment plan carefully

Retirement is a necessary event which everyone faces in life. When one thinks of his income after retirement, several options arise. During his service, the person has to save some amount every month for his retired life. The person invests this amount in Annuity schemes which fetch him some periodical income so that after retirement he can lead a normal life. Before choosing the appropriate investment plan, the person has to evaluate his needs. His immediate commitments like education of children, expenses on health, renovation of house, legal expenses if any are some of the factors which may require careful consideration. The next question that he has to consider is the marriage of children, tour plans, etc.

Where to invest the savings?

This is a vexing question that needs careful consideration. Many employees invest the amount with their employers. In return for this investment, the employer normally gives the employee a fixed amount periodically as Annuity. Of course in the beginning the Annuity which the employee gets would seem to be reasonable. But with inflation, the fixed annuity will not be sufficient in the coming years. Even with an inflation of about 3% every year, in about 4 to 5 years the person will feel the financial crunch.

The alternative is to invest in Stock market. But this requires specialization and careful market analysis. Everyone may not have this quality. So this is a risky investment.

As an alternative, the employee can consider the investment plans offered by different investment companies. Many of the investment agencies have several attractive plans like Annuity with health insurance coverage for the spouse, burglary insurance, etc. Such investment could be another better option to choose.

Some persons may consider investing in real estate. But if such investment is made, the person may not have fixed returns unless the investment fetches him some amount by way of rent. If such investment is made when there is a favorable market, the value of real estate would appreciate and this may fetch attractive returns.

However, as far as investment plan is concerned, all that matters is the wisdom of the investor. Wherever necessary, he can take the guidance of professional investment planners who would be able to guide the investor appropriately.

Quality Claims Management Corporation Completes Sas 70 Type Ii Audit

Quality Claims Management Corporation Completes SAS 70 Type II Audit to Insure Compliance with Sensitive Financial Privacy Rules

August 5, 2010 – San Diego, CA Quality Claims Management Corporation, () a nationwide expert in delivering public adjusting and claims administration, consulting and monitoring services, today announced that it has achieved a Statement on Auditing Standards (SAS) 70 Type II compliance certification, one of the most stringent auditing standards for service providers.

The successful completion of the SAS 70 Type II Audit differentiates Quality Claims Management Corporation from other public adjusting firms by demonstrating its commitment to protecting client information. The Independent Service Auditor’s Report certified that Quality Claims adheres to high standards, follows required procedures, and employs proper IT security controls to protect clients data in accordance with industry best practices. The audit was conducted by SAS70 Solutions, Certified Public Accountants, who reported that Quality Claims operates with integrity and ethical values and demonstrates a commitment to competence.

The SAS70 is a rigorous auditing standard developed in 1998 by the American Institute of Certified Public Accountants (AICPA) and became widely adopted following enactment of the Sarbanes-Oxley Act of 2002.

“Our clients can rest assured that Quality Claims is committed to maintaining the highest standards in data protection. The SAS 70 Type II audit provides our clients with an affirmation that the firms privacy processes are effective and adequate controls are in place and working, says company President Ron Reitz.

About Quality Claims Management

Quality Claims Management Corporation provides hazard claim recovery services to investors, mortgage servicers, homeowners and businesses. All claims are adjusted by licensed insurance professionals for an equitable settlement and accelerated resolution timelines.

QCMC’s core focus is unparalleled expertise in policy coverage and the technical aspects of mortgagee and homeowner claims. QCMC has worked with homeowners and businesses including those affected by catastrophic natural disasters such as the 2003 and 2007 Southern California Wildfires, and Hurricanes Katrina, Rita and Wilma.

Contact Quality Claims Management at and/or 866- 450-1183

New stimulus Plan Tax Incentives For Buyers Of Electric Scooters

Energy conscious consumers considering purchase of electric vehicles and electric scooters have an increased incentive to purchase these vehicles due to a tax credit buried in the recent Economic and Reinvestment Act of 2009.

Incentives for plug- in hybrid vehicles take effect in 2010 but incentives for smaller electric vehicles take effect with the passage of the bill. The $787 Billion bill passed by the Congress, and signed by the President gives a tax credit incentive to purchasers of electric vehicles of different types.

All electric powered vehicles benefit from the new tax credit. Immediately benefiting are buyers purchasing a category of vehicles known as light electric vehicles or LEV’s. The LEV category includes four wheeled Neighborhood Electric Vehicles or NEV, and two and three wheel electric powered scooters.

The criteria for qualifying are based on the electric energy storage capacity of the battery. For two and three wheel vehicles the minimum size battery storage that qualifies must be rated at a minimum of 2.5kwh of stored energy capacity. For a NEV type vehicle the minimum battery storage capacity that qualifies is 4 kWh. To determine if the vehicle you are considering qualifies take the amp hour capacity rating of the battery times the battery voltage and divide by 1000. If the result is 2.5 or greater, the scooter, or three wheel vehicle, will qualify for the credit. For example if the specifications on the scooter you are considering has a battery rated: 5X12V/50 Ah the calculation is as follows: (5X12v) 60 X 50 Ah = 3000 Divided by 1000 = 3 KWh, which exceeds the 2.5 kWh minimum criteria.

For vehicles that qualify there is a 10% tax credit on electric vehicles up to a maximum purchase price of $25,000 which would result in a maximum credit of $2,500 on a vehicle costing $25,000. This tax credit may be in addition to local tax or purchase incentives that may be in place in some local municipalities, and is effective for purchases made after the date the bill was signed

The tax credit incentive will be welcome news to anyone considering purchase of an electric scooter.

Affiliate Marketing Tips That Will Help You Become Successful

There are many people online that are trying to make money with affiliate marketing. This is a great way to make money online if you know what you are doing. Many people never figure out how they can become successful because they don’t take the time to research it. There are many tips, eBooks, reports and other things that can help you learn what you need to know about affiliate marketing. You just need to take the time to learn.

Here are some affiliate marketing tips that can help you achieve the kind of success you want. Many people have been successful making money with affiliate marketing and you can too.

One: You need to educate yourself about everything you can find on affiliate marketing. This is very important to you becoming successful. You are going to have to familiarize yourself with the tools that will help you to succeed in affiliate marketing. You will also need to learn about the different marketing methods that you will need to use to get traffic to your online business. There are many things that you will have to know and it is up to you to find out what they are and learn about them. You will never achieve success if you don’t take the time to do this.

Two: You need to sit down and come up with an affiliate marketing plan. List all of the different marketing methods that you know of and do some research to find out about any that you are not aware of. Then make a list of the ones that you want to try. You want to have five to seven methods working for you at all times. So, always start with your list and then pick one method to try first. Once you have that method mastered, you can add another one to the mix; doing this will stop you from becoming frustrated and discouraged.

Three: Get help when you need it. You will need help if you want to build a successful affiliate marketing business. Other internet business owners can be a great source of help for you. You can find them hanging out in forums, read their blogs or websites and if necessary you can also contact them. Building a successful business online is not as easy as most people make it out to be and having help is essential to you finding the success you want.

These are not all of the affiliate marketing tips that you need to know but they are very important ones. It is important for you to take the initiative and do whatever it takes to succeed with your online business. No one can do this for you. So, start researching how other business owners make money with affiliate marketing. You can learn a lot this way. So, get started now.

How To Become A Certified Financial Divorce Specialist

If you often work with individuals who are going through divorce proceedings, then you may want to consider becoming a Certified Financial Divorce Specialist (CFDS). Having this credential shows that you have comprehensive information that will help clients explore their financial options related to a divorce agreement. Training for the CFDS will make you better at helping your clients find a better position of financial stability.

Topics Covered in the CFDS Certification
The CFDS training is designed to improve and increase your knowledge of the complexities of the financial problems that are related to divorce agreements. The more you know about the tax, financial, and legal complexities of divorces cases, the better you can provide support for your clients. Furthermore, the course contains guidance on your role as a professional CFDS.

Here is a brief summary of the topics covered by this training program:
Assessing and identifying assets including family home, property, and pensions to career assets and benefit plans.
Overview of the various legal proceedings, the role of a professional CFDS, and the different methods of settling a divorce case.
Identifying the tax problems from the impact of child support and alimony. Identifying the reporting requirements when selling and dividing the house.
Information about malpractice, ethics, and working with other professionals on the case.
How to present and prepare financial affidavits and other reports.

Training Format of CFDS
The CFDS training program is available online. When you order the certification training course, you can expect to receive everything you will need to complete the entire course from the comforts of your office or home. In addition, the package includes a blinder with around 500 pages of content covering the topics mentioned before and more. This foundational case material also combines questions and case studies to make the learning more realistic.

The Family Law Software program is also included in the package. This program helps calculate the financial impact of various options that are under consideration. For instance, you can use this software to determine what will happen to your client if she assumes credit card debt to keep the house. Part of the initial training package allows you five months of access to this program. After the initial five months are over, there will be a monthly fee that includes ongoing access to technical assistance and software updates.

It usually takes around three months to prepare properly for the online examination. After you have successfully completed the examination, you are required to finish a case study while using the Family Law Software. If you successfully complete this, then you will receive your certification.

Starting Your Certified Financial Divorce Specialist Career
A marketing package will come with your certification. This package will provide guidance on how to promote your skills and knowledge. There is a listing of networking opportunities, template for a press release, and other advice that can help you establish yourself in this market as a CFDS.

Financial Professionals Are on the Front Lines in the Fight Against Financial Elder Abuse

A Wells Fargo financial professional recently helped to save a client from losing money in a scam targeting senior citizens. The 78-year old client thought that he won an overseas lottery. Instead, he became a victim of financial elder abuse via a typical lottery scam. The Wells Fargo professional prevented money from being sent offshore, however money from another bank was sent out. San Francisco financial elder abuse attorneys warn senior citizens that lottery scams are abundant. California elder abuse attorneys warn the public not to fall for lottery scams.

In this case, the senior citizen victim was contacted by unknown individuals claiming to be from the Costa Rican lottery. They told the senior citizen that he had won the lottery and that he could collect a $5 million payout. Then they told the senior citizen victim that there were some formalities and that they would need some personal information to verify his identity. Additionally, they told him that he needed to send money to pay off various taxes and fees associated with the money he had won. The senior citizen victim then went to one of his banks and transferred $88,000 to an offshore account. California financial elder abuse attorneys warn seniors not to transfer money overseas. San Francisco financial elder abuse attorneys say that sending money to offshore accounts is a very risky proposition.

Next, the senior citizen victim went to his Wells Fargo Bank and attempted to set up another transfer of $50,000 to an offshore account. This time the senior citizen got lucky. The Wells Fargo financial professional knew immediately that something was wrong and refused to go forward with the transfer. Since the senior citizen client was convinced that he was one transfer away from getting $5 million, there was an unpleasant exchange between the financial professional and the senior citizen. At that point, the financial advisor contacted the family of the senior and they helped convince him that it was a scam. The financial advisor helped prevent further financial elder abuse by refusing to transfer the money. San Francisco financial elder abuse attorneys say that financial professionals can play a role in the battle against financial elder abuse.

Evans Law Firm, Inc. handles elder abuse, financial elder abuse, physical elder abuse, annuity fraud, consumer fraud class actions, insurance and banking fraud cases. If you think that you have witnessed or are the victim of elder abuse, or financial fraud then contact Evans Law Firm, Inc. at 415-441-8669 for a free and confidential consultation, or email us at