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TORONTO – Younger Canadian shoppers say they plan to load up on gifts but not debt this holiday season. According to the annual RBC holiday spending intentions poll, while 94 per cent of those aged 18 to 34 said they are expecting to spend an average of $509.80 on gifts this year—up from $457.40 last year—over half say they plan to use cash or debit cards for their purchases while 18 per cent intend to use credit cards and pay off their balances.
Introduction – What’ Exciting and Interesting About FX? s • Possibly world’ oldest financial market s • Definitely world’ largest financial market s • Like other financial markets, foreign exchange has been subject to tremendous innovation and change over the last 20 years Ø New products Ø New market participants Ø New trading mechanisms and trading technology All of above pose competitive threats (and opportunities) for market participants • Foreign exchange plays a central role in the global economy Ø As a medium of exchange to facilitate the flow of global trade in goods and services Ø As a medium of exchange to facilitate the purchase and sale of foreign securities Ø As a medium to “ re-denominate”and manage the currency risk of stock asset and liability positions Foreign Exchange Basics – Contracts, Actors and Activities Contracts Spot Contracts • An exchange of two currencies for “ immediate delivery” ⇒ exchange of bank balances in 2 business days (1 day N. American currencies) • A binding commitment • Quoting conventions Direct terms, also called American terms: US$/foreign currency Indirect terms, also called European terms: Foreign Currency/US$ Foreign Exchange Swaps • A simultaneous borrowing and lending of short-term bank balances in two currencies For example, bank A borrows $10 million from bank B for 1-month, and bank B borrows $10 million worth of £ from bank A for 1-month • Quoting convention So-called ...
En las pruebas de investigación clínica participan muchas personas distintas. Cada prueba tiene criterios muy específicos que deben cumplir los voluntarios. Algunos ejemplos de estos criterios son: el sexo, la edad, el tipo de afección médica, el medicamento/tratamiento previo y la gravedad de la afección médica.Los voluntarios para pruebas clínicas pueden tener diversas razones para participar como pacientes voluntarios.
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The following positions are available at the North Carolina Education Lottery. All candidates must complete a North Carolina Education Lottery Employment Application. Completed applications may be mailed to: Employment Opportunities North Carolina Education Lottery 56886 Mail Service Center Raleigh, NC 27699-6886 Or, e-mailed to: NCELemployment@lotterync.net The North Carolina Education Lottery (“NCEL”) is an at-will, Equal Opportunity Employer. ICS Operator (1 position – Raleigh) Position #varies: The purpose of this position is to monitor and ensure the Internal Control Systems balance with the NCEL’s gaming systems. That all draws and the Internal Control Systems are processed correctly and accurately. This is accomplished by working in a secure area; processing daily and multi-state drawings on multiple systems; troubleshooting server and system issues; updating websites and other advertising streams; interacting with vendors; sending reports; and maintaining log files and ensuring that ICS system process. Responsibilities include, but are not limited to: Monitors ICS systems by checking availability of needed files and reports; rebooting primary system; maintaining log files; comparing register reports; and confirming daily balances; processing daily drawings on multiple systems; updating website, social media, and sales data; interacting with vendors; updating messages; participating in conference calls; and...
PAUTAS GENERALES PARA LA ELABORACIÓN DE LA CARTA DE PRESENTACIÓN Y DEL CURRICULUM VITAE EN FRANCIA Un Currículum vitae, acompañado de una carta de presentación, es, generalmente, el primer contacto con un futuro empleador. Se debe poner la máxima atención y cuidado al realizarlos. En la Carta de Presentación -también llamada Carta de Motivación o Carta de Solicitud- se expondrán, de forma muy breve, los motivos, intereses y características personales y profesionales relacionadas con el puesto solicitado. El C.V. es importante que sea original, adaptado al puesto y refleje el historial académicoprofesional del candidato de una manera concisa, eficaz y atractiva. Para tener una información más específica y extensa sobre la elaboración y redacción de los CVs y las cartas de presentación en Francia, le recomendamos que consulte directamente los consejos que proporciona el Servicio Público de Empleo francés: Consejos del Servicio Público de Empelo francés: CV y Carta de presentación Veamos, a continuación, algunas peculiaridades de estos instrumentos de búsqueda de empleo en Francia.
Ejemplos de cartas de presentación Consejo: Porqué es tan importante una carta de presentación? Es su primera oportunidad para hablar con el empleador sobre porqué sus cualidades son las adecuadas para el empleo La carta de presentación se adjunta a su hoja de vida y es lo primero que el empleador va a leer. Es su forma de saludar, estrechar la mano y sonreir. Su carta de presentación debe: Ser Respetuosa, positiva y agradable a la vista. Hacer que el empleador quiera saber más sobre usted. Inspirar al empleador a leer su hoja de vida detenida y detalladamente. Consejo: Una carta de presentación no debe de hacerse a mano ni tampoco ser de más de una hoja. El texto debe ser dividido en párrafos cortos…esto la hace mas fácil de leer.
Take advantage of discipline-specific design and documentation tools to help increase drafting productivity. AutoCAD® MEP software automates drafting tasks, helping to enhance productivity, improve accuracy, and enable smooth integrations of discipline-specific design and documentation tools. Whether a building project is led by an architect or developed by a team of engineering professionals, AutoCAD MEP helps design teams decrease coordination issues, save time spent on repetitive tasks, and deliver projects faster with higherquality documentation. More Accurate Designs With constant requests to accommodate lastminute changes, mechanical, electrical, and plumbing (MEP) professionals need to create and edit designs as efficiently as possible. AutoCAD MEP enables users to more easily assess designs, sizing, and system balances with integrated calculators that help increase accuracy and reduce errors. Coordinate Design Information Using AutoCAD MEP can help minimize requests for information (RFIs) and costly design changes in the field by providing more accurate and consistent construction documents. Design systems using real-world parts and equipment, that can be used throughout the fabrication and construction of the building, help save time and money.
STATE SALES TAX RATES AND FOOD & DRUG EXEMPTIONS (As of January 1, 2014) STATE ALABAMA ALASKA ARIZONA ARKANSAS CALIFORNIA (3) COLORADO CONNECTICUT DELAWARE FLORIDA GEORGIA HAWAII IDAHO ILLINOIS INDIANA IOWA KANSAS KENTUCKY LOUISIANA MAINE MARYLAND MASSACHUSETTS MICHIGAN MINNESOTA MISSISSIPPI MISSOURI MONTANA NEBRASKA NEVADA (5) NEW HAMPSHIRE NEW JERSEY NEW MEXICO NEW YORK NORTH CAROLINA NORTH DAKOTA OHIO OKLAHOMA OREGON PENNSYLVANIA RHODE ISLAND SOUTH CAROLINA SOUTH DAKOTA TENNESSEE TEXAS UTAH VERMONT VIRGINIA WASHINGTON WEST VIRGINIA WISCONSIN WYOMING DIST. OF COLUMBIA Tax Rate (percentage) 4 none 5.6 6.5 7.5 2.9 6.35 none 6 4 4 6 6.25 7 6 6.15 6 4 5.5 6 6.25 6 6.875 7 4.225 none 5.5 6.85 (5) none 7 5.125 4 4.75 5 5.75 4.5 none 6 7 6 4 7 6.25 5.95 (4) 6 5.3 (2) 6.5 6 5 4 5.75 Food (1) EXEMPTIONS Prescription Drugs * * 1.5% (4) * * * * * * * * * * (4) * * * * 1% * * * * * * * * * * * * * * * Nonprescription Drugs 1% * * * * (4) * * * * * 1.225% * * * 1% * * * * * * (4) * * * * * * * * * * * * * * 5.0% * 1.75% (4) * 2.5% (2) * * * * * * * * * * * * * * * * * * * * * * * * * -- indicates exempt from tax, blank indicates subject to general sales tax rate. Source: Compiled by FTA from various sources. (1) Some state tax food, but allow a rebate or income tax credit to compensate poor households. They are: HI, ID, KS, OK, and SD. (2) Includes statewide 1.0% tax levied by local governments in Virginia. (3) Tax rate may be adjusted annually according to a formula based on balances in the unappropriated general fund and the school foundation fund. (4) Food sales subject to local taxes. Includes a statewide 1.25% tax levied by local governments in Utah. (5) Nevada sales tax rate scheduled to decrease to 6.5% on July 1, 2015. FEDERATION OF TAX ADMINISTRATORS -- JANUARY 2014
A FOOD SALES TAX CREDIT FOR TAX YEAR 2013 HOMESTEAD PROPERTY TAX REFUND A property tax refund for eligible homeowners. To Qualify As a Kansas resident for all of 2013, you are eligible for a refund of up to $700 if your total “household income” is $32,900 or less, AND you: ❏ were born before January 1, 1958; OR ❏ were totally and permanently disabled or blind for the entire year of 2013; OR ❏ have a dependent child who lived with you the entire year that was born before January 1, 2013, and was under the age of 18 all of 2013; OR ❏ are a disabled veteran (50% or more disability), or the surviving spouse of a disabled veteran who has not remarried, or the surviving spouse of an active duty military personnel who died in the line of duty and not remarried. "Household income" is generally all-taxable and non taxable income received by all members of the household. “SAFE SENIOR” PROPERTY TAX REFUND A property tax refund for eligible homeowners. To Qualify As a Kansas resident for all of 2013, you are eligible for a refund of 75% of your property taxes paid if your total “household income” including social security is $18,600 or less, AND you: ❏ were 65 years or older all of 2013; AND ❏ did not have any delinquent property taxes in 2013. NOTE: You may claim either a Safe Senior property tax refund or a Homestead refund (not both). ? How can I use my expected homestead or safe senior refund to help pay up to the first half of my property tax? Homeowners who received a Homestead or Safe Senior refund last year and do not have any outstanding balances with the Kansas Department of Revenue and who checked the Advancement Box on their 2012 Homestead or Safe Senior return are eligible for an advancement. The advancement information was sent electronically to the County Treasurer’s office and may appear on your 2013 property tax statement. NOTE: A Homestead Refund Claim (Form K-40H) or a Safe Senior Refund Claim (Form K-40PT) must be filed between January 1 and April 15, 2014. NEW FOOD SALES TAX CREDIT An income tax credit applied toward your Kansas tax liability for sales tax paid on food purchases. (Non-refundable and no carryforward) CR-20...