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Student Loan Planner
Case study on whether parents should help pay for graduate school
Jake wants to attend dental school while Carissa has enrolled in an occupational therapy program.
See how they plan to finance their educations and why going for student loan forgiveness is a better option than Carissa's parents paying for grad school.
In today's episode, you'll find out:
How Jake and Carissa decided on their specific programs
How their choice of schools affects their future student debt
Their plan for future work post-graduation
Carissa's plan for financing her degree
Why parents helping pay for grad school can be a bad idea
Why PSLF is a good gamble
Possible scenarios if Carissa chose to work in the private sector
Why trading PSLF away isn't a good deal
Why Travis recommends Jake and Carissa borrow the max amount
The possible future of tax bombs — and why it's political
The low downside risk of PSLF and tax bombs
Should you pay interest or investigate forgiveness while in school?
Why don't we hear more about student loan forgiveness?
When refinancing can also be a valuable option
Full show notes at: http://studentloanplanner.com/38
You Need A Budget (YNAB)
Jesse Mecham
Sprinting Is Hard, But the Payoff Is Sweet
If you've been doing the 34-Day Reset, you're in full sprint mode right now. And it might be tough! But the beauty of the reset is that it's just 34 days, and affords you some space to reflect on whether your money is working for you and helping you achieve your goals and values. So stick with it, finish strong, and bask in the extra money you will have saved. You're almost there! Take the challenge: https://www.youneedabudget.com/34dayreset/
DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing
Quint Tatro & Daniel Czulno, CFP® a passionate look at everything from budgeting, savings, investing, stocks, bonds, debt. Dave Ramsey, Jill On Money, Smart Money, Motley Fool
Roth IRA Tax Benefits Explanation
On this episode of DIY Money, Quint and Daniel go in-depth to explain the tax benefits of a Roth IRA.
The Money Nerds
Whitney Hansen
5TF- Favorite DIY Projects
I love DIY projects! These are my top 5 projects that I have enjoyed the most. Enjoy! The post 5TF- Favorite DIY Projects appeared first on .
Afford Anything
Paula Pant
What Your Childhood Taught You About Money, with Rachel Cruze
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Marriage, Kids and Money
Andy Hill
How to Negotiate a Severance When You Resign - with Sam Dogen
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Optimal Living Advice
Optimal Living Daily
183: How Overly Restrictive Parenting Breeds Self-Hatred - Understanding and Breaking the Cycle of Generational Trauma
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Money Girl's Quick and Dirty Tips for a Richer Life
667 - 7 Financial Resolutions That Will Save You Thousands
Making financial resolutions can get you fired up to create good habits and reach big goals. If you want to put thousands in your pocket and improve your financial life, consider adopting a few or all of these money resolutions. Read the transcript. Check out all the Quick and Dirty Tips shows. Subscribe to the newsletter for regular updates. Join the conversation on Facebook and Twitter. Links: https://www.quickanddirtytips.com/money-finance/saving-spending/7-financial-resolutions-that-will-save-you-thousands https://www.quickanddirtytips.com/podcasts https://www.quickanddirtytips.com/subscribe https://www.facebook.com/MoneyGirlQDT https://twitter.com/LauraAdams
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Popcorn Finance
Chris Browning
225: Avoid This Major Tax Mistake
Today's bag of popcorn is brought to you by Square Card! If you have a business, you can't afford not to listen to this episode. Keila Hill-Trawick, of Little Fish Accounting, joins me to discuss how to manage and separate your finances for your business and your personal money. She dives deep into the biggest tax mistakes she sees most often with small business owners and how you can avoid them. Today's bag of popcorn is brought to you by Square Card! Whether you're a small business owner or just making a little extra cash on the side by delivering food or tutoring, keeping track of your expenses is so important. Keep your finances in order by signing up for a FREE custom Square Card by visiting https://popcornfinance.com/squarecard You can learn more about Keila Hill-Trawick and Little Fish Accounting at Little Fish Accounting. You can also find her on Instagram at @LittleFishAccounting and on her podcast Fish Food wherever you listen to podcasts. Connect with Keila: https://littlefishaccounting.com Instagram- @LittleFishAccounting Podcast- Fish Food https://www.littlefishaccounting.com/podcast This Is Awkward Check out my new podcast This Is Awkward using the link below. https://podfollow.com/this-is-awkward Have a Question? Ask me a PopcornFinance.com/Voicemail Connect with me Instagram -@PopcornFinancePodcast Twitter - @PopcornFinance Facebook - Popcorn Finance
HerMoney with Jean Chatzky
Jean Chatzky Her Money
Ep 248: How To Budget (Even If You've Never Budgeted Before)
Where are you spending? Where are you saving? Are you making truly meaningful decisions about your money? Are you making progress towards your bigger goals? Where do you want to be in 12 months? What about 12 years? Peter Polson, CEO of Tiller Money, walks us through budgeting basics, budgeting technologies, and a step-by-step guide to getting started. In Mailbag, we talk about donating to those who need it most, buying a new home for a nervous buyer who overcame homelessness, and getting pre-approved for a mortgage. In Thrive, 2021's new rules of job offer negotiation.
Mo' Money Podcast
Jessica Moorhouse
260 Designing Your Freedom Years - Stephanie Myers & Gillian Batt, Founders of Our Freedom Years
Happy New Year! And welcome back to the Mo' Money Podcast! After taking a few weeks off to rest and recharge, I am so excited to be back to drop Season 12 of the Mo' Money Podcast today. Not only that, I thought I'd start with an episode that will get you excited about the future again! 2020 was rough on us all, some more than others, and we're still in the thick of it. But I've got hope for 2021. And when you've got hope, you can make plans for better days to come. That's why I've got the wonderful Stephanie Myers and Gillian Batt from Our Freedom Years on the show. I'm a big fan of their YouTube channel, and not only did they achieve financial independence and retire early in their 30s/40s, but they are also Canadian! I haven't had many Canadians FIRE people on the show, so this is a big treat. And I sure asked them all the questions I know you would have asked yourself, like what to do with taxes when you're a nomad, how much to save, how to ensure you won't run out of money, and does FIRE mean you don't ever have to work again (since so many people who achieve FIRE seem to continue working?). I know you're going to love this episode just as much as I enjoyed recording it. And don't forget to check out the link below to sign up for their free e-course! For full episode show notes visit https://jessicamoorhouse.com/260
The FI Show
Cody of Fly to FI and Justin aka Saving Sherpa
Selling Everything and Moving to Panama | Jim White
Today's episode features Jim White from Route to Retire. We're continuing our series on geoarbitrage which is the act of purposefully moving to a location for monetary benefits such as lower cost of living or tax treatment. Jim and his family utilized a traditional corporate job to amass a nest egg large enough to retire in his early 40s. They were conservative enough to save for a life in the U.S. but wanted to find a lower price point abroad. Jim poured over the research and took a successful test run to Panama. The rest is history and Jim and his family now live there full time. They live a vacation life on an ordinary budget. Take a listen and consider where you'd move if you had the freedom. Links From the Episode Follow along with Jim's Net-worth Roth IRA conversion calculator Cost of living in Panama Investment drawdown plan Join the Community We'd love to hear your comments and questions about this week's episode. Here are some of the best ways to stay in touch and get involved in The FI Show community! Grab our FREE Budget Planner Join our Facebook Group Leave us a voicemail Send an email to contact [at] TheFIshow [dot] com If you like what you hear, please subscribe and leave a rating/review! >> You can do that by clicking here << Learn More About Your Hosts Fly to FI (Cody's Blog) Saving-Sherpa (Justin's blog)
Talking Tax
States Pursue Online Ad Taxes to Help Fill Budget Gaps
The pandemic-induced economic downturn has been a huge challenge for states trying to make their budgetary ends meet. Now, some lawmakers are looking to offset a drop in sales taxes and other revenue with new levies on digital advertising. Darcy Kooiker, a partner with Armanino in Bellevue, Wash., who specializes in state and local tax issues, says several states are already trying to roll out taxes on this famously difficult-to-tax sector. With many states kicking off their legislative sessions this month, more will likely follow, she told reporter Amanda Iacone in the latest episode of our weekly podcast, Talking Tax.
Jill on Money with Jill Schlesinger
On Track for Retirement?
Am I doing everything possible to be on track for retirement? Easily one of the most common questions we get, but answering them never gets old, as every situation is different. Have a money question? Email me here. Please leave us a rating or review in Apple Podcasts. "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Radical Personal Finance
Joshua Sheats
Friday Q&A: Retirement Accounts for Americans Abroad, Whole Life Insurance, Rental Property Furnishings, Giving Appreciated Assets to Charity, etc.
It's Friday! Live Q&A today: * 2:00 Questions on retirement account contribution for US Americans living abroad. * 19:48 Should I dump my whole life insurance policy? * 35:21 What are the rules on the disposition of stuff for my rental property? * 45:21 Should I make big year-end contributions to my retirement accounts? * 51:00 I just got laid off. What do I need to do now? * 1:08:00 Should I enhance my charitable giving by giving appreciated assets? * 1:14:44 How do I figure out the tax rules on my cryptocurrency? * 1:21:15 Should I keep my home base in the USA or dump it and move? Enjoy! To join next weeks Q&A show, go here: https://patreon.com/RadicalPersonalFinance
White Coat Investor Podcast
Dr. Jim Dahle of the White Coat Investor
193: Cure Physician Burnout with Dr. Dike Drummond
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The Truth About Real Estate Investing... for Canadians
Erwin Szeto
Financial Lessons of 2020 from the Wealth Hacking CFP With 14 Properties and 1-2% Cash Flow Per Week With Kathleen Van Den Berg
On to this week's show, we have old friend Kathleen Van Den Berg Kathleen van den Berg, MBA, CLU, CFP. I think she's great because she's one of the few Certified Financial Planners who recommends owning real estate and she owns a fair amount of real estate too. I invited Kathleen to return to the show asking her to share what lessons she's sharing with her financial planning clients. Kathleen's bio: I have the best job in the world ... and I have a ton of fun doing it. I specialize in working with individuals and families to improve their monthly cash flow and build significantly greater wealth compared to their current approach. Unlike most other wealth strategists, I include real estate strategies as one of the 6 key components in clients' wealth building plans. I implement a 6 step wealth strategy system with clients and routinely am able to create over a million dollars of additional income in retirement.
Earn & Invest
177. Civil and Financial Rights: MLK Day 2021 w/ Vicki Robin, Julien and Kiersten Saunders, and Natalie Torres Haddad
For me growing up and in college, MLK day was always a time to reflect and have difficult conversations. We continue this tradition today on Earn & Invest. Vicki Robin, Natalie Torres Haddad, and Julien and Kiersten Saunders wade into politics, civil and financial rights. What could go right?
48 Days Podcast – Official Site Dan Miller
I know what to do but can't make myself do it
A listener asked if there were terms to describe this. Yes, there are but you don't want them associated with your name! Here are some steps to take when you are hesitating the action that will lead you to new success. Episode #760 January 15, 2021 Hi this is Dan Miller – and yes you're… The post I know what to do but can't make myself do it appeared first on Official Site Dan Miller.
ChooseFI
The Unstuck Network
288 | Mad Fientist
* Should you rush to reach FI? Or use it as a map in a lifelong pursuit to master your relationship with time, money, and happiness? Brandon, from the Mad Fientist, wishes he would have found more free time to work on other goals while on his journey to FI. * When Brandon was first on the show four years ago, he had just reached FI and discussed the psychological hurdles he had to overcome. What's changed for him since then, and with the benefit of hindsight, what would he do differently? * Brandon's dream as a child was to write music and put it out in the world. However, his musical tastes are not mainstream, so becoming a pop star was never one of his ambitions. * He did not want to just be a consumer, he wanted to be a creator and always felt that it was his job that was holding him back. * It wasn't until after reaching FI that he realized it wasn't was what holding him back at all. He had been spending his free time on things like television on travel instead of his music project. * His problem was psychological. As a math and science guy, he didn't believe he could do it. Trying meant the risk of failure, and if he failed, the dream would be gone. It took Brandon two years to come to grips with and get over that hurdle. * During his pursuit of financial independence, Brandon has tunnel vision, with all his time and effort devoted to making and saving more so that he could reach FI more quickly. The result was a decrease in his overall happiness. * He admits that he did it wrong. The whole point is to master the relationship between money, time, and happiness. Mastery is probably better to focus on over goals. * Goals delay your happiness because you are always looking to the future instead of enjoying the present or the journey. * Reaching FI for Brandon didn't have an impact on his life other than making him more confident that he could step away from his job. * Motivating yourself to do something is hard when you don't have any sort of external motivation to do it. * In 2017, Brandon wanted to do two things: get better at songwriting and get fit. * The personal trainer he was working with asked him how much he wanted to bench press or how much muscle mass he wanted to put on. Those were goals Brandon didn't care about. With his mastery mindset, he only wanted to get healthy and stay healthy. * In contrast to getting fit, his specific goal for songwriting was to write a song and share it with his brother. When he finished it, not only was it awful, but the whole process was awful and it caused him to quit pursuing any additional songwriting until he summoned up the courage again in 2019. * Pursuing mastery may be summed up by asking, "Am I better today than I was yesterday?" Continuing to answer yes is pursuing mastery. * Brandon found it to be true that doing something consistently changes who you are. He never felt like a musician until he was doing it for 25 hours a week. * He still feels like his triangle is skewed toward money at the expense of time and happiness so he has been trying to figure out how to use money to get more time or increase happiness. * For example, he wrote eight songs and wanted to get them to sound as great as possible, so he hired a Grammy award-winning sound mixing engineer to help mix his album. He was able to both learn and make a better final product. * He doesn't want to waste money but does want to figure out how to use it efficiently and maximize the triangle of money, time, and happiness. * There's a lot of unconscious spending in society that doesn't really bring happiness either. Getting on the path to FI helps you sort out the equation a bit more. * We're terrible at knowing what will make us happy. That's where experimenting comes in. Experiment with your spending and your activities. What still feels good a week later versus ended up being meaningless. * It's okay to spend money sometimes as long as you do it from a place of value. If you are in a deprivation zone, one thing that helped Brandon was to relax for two years with respect to his spending. If it was something he and his wife wanted to do, they did it. At the end of the year, although it felt like they had lived an extravagant life, they spend just $3,000 more than normal. * In the deprivation zone, you are testing the lower limits. You can test the upper limits and then hopefully find the sweet spot. It's difficult to find where the sweet spot is for you without testing the limits. * Once you have the bigs things taken care of, the little ones don't seem to matter. Brandon had already limited his large structural recurring expenses. What he had given himself latitude with were the everyday one-off decisions that in aggregate, turn out to barely move the needle of his finances. * Brad and his family have anchored themselves to a $2 per person per meal per day rule. It helps them to apply intentionality to their meal planning. He thinks it's better to try and optimize and then dial it back if gets to be a little too much than continue to go through life being unaware. * Brandon is an introvert, so announcing publicly that he is releasing his first album is a big deal. * Back when he wasn't making progress because he wasn't putting the time in, he talked his brother into going to a park and playing a show. The thought of doing it was scary, but he already knew what it was like not to it. He wanted to know what the world would be like if he did do it. * While playing in the park, a man slipped Brandon his email address. It turned out he source talent for a music festival in Scotland and asked if they wanted to play at it. * Brandon taking that chance in the park reminded Brad of a quote by Scott Young, "Your deepest moments of happiness don't come from doing easy things. They come from realizing your potential and overcoming your limiting beliefs about yourself". * Both financial independence and the pursuit of financial independence allow you to begin building armor. Failure is good. You have to be bad at something before you are good at it. * FI definitely helped Brandon build his armor. He didn't have anyone to answer to or worry about stumbling across what he was doing. * He also uses an alter ego for his work in the financial space, as well as another for his music. * Something that Brand did to progress with his music was conduct an ultralearning experiment. He took three months where he blocked out all other activities competing for this attention to do the thing that he wanted to do, which was write songs. * He committed to devoting 25 hours a week and built spreadsheets of prioritized tasks. He says it is the only reason he succeeded. He focused on the hours and the effort and then by-product comes out of it. * For others just trying to get started learning, Brandon thinks copying what you love is a great place to start. Your unique set of influences is enough to make what you do unique. * The unique skills each of them possess is what lead to this very podcast. Brad being a CPA with a travel rewards website is what got him a guest spot on Brandon's podcast. Then Jonathan heard the podcast and discovered both Brad and he lived in Richmond, which lead him to first contact Brad. * Every good idea comes out of a bad idea, or an okay idea, or even a mediocre idea. You do not need to get it right the first time. The fact that you are willing to try gives you the opportunity to get feedback and iterate into something amazing. * Brandon's album is available for just $5! You can pre-order your copy at ChooseFI.com/album. Resources Mentioned In Today's Conversation * ChooseFI Episode 017 Mad Fientist and Origin Story * James Clear "Forget About Setting Goals. Focus on This Instead." * Ultralearning: Master Hard Skills, Outsmart the Competition, and Accelerate Your Career by Scott Young If You Want To Support ChooseFI: * Earn $1,000 in cashback…
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It costs nothing to reach out and get the smart legal perspective you need. If you and your family are suffering, you owe it to yourself to talk to a knowledgeable attorney as soon as possible. To schedule your free initial consultation at my New York City office, call (212) 256-9729 or send me an email to get in touch.


The Serology department tests tens of thousands chicken blood samples monthly for antibodies to poultry viruses.
Bacteriology cultures identify bacteria from various sample types. Samples may be taken from the processing plant, farm environment, or birds.
Samples taken at the main lab and network labs are processed for virus isolation by the Virology department.
Complete examinations and necropsies are performed on all birds and appropriate samples are collected for testing.
Tissue samples are processed by the Histopathology department. Reports are returned in about one week from date of submission.
NPIP provides a program through which new diagnostic technology can be effectively applied to the improvement of poultry and poultry products.
Seeing illness in your flock? To call our Avian Influenza Hotline, click the button at the top of the screen!
The GPLN LIMS Internet Portal System which allows our customers to access their lab results directly over the internet.
The Portal is not intended to replace Email, but can be used in conjunction with it to make the reports more readily available.
The Georgia Poultry Diorama is a tour through the entire industry and how it works. Please contact us at 770-766-6810 Ext. 2 to schedule a tour.
GPLN is a network of labs throughout the state. With locations in Gainesville, Forsyth, and Tifton we probably have one close to you. Each location offers several services, click below to learn more.
Posters are 11×17 laminated with holes for hanging. English on one side, Spanish or Vietnamese on the other.
Contact the Admin dept at 770-766-6810 Ext 2 for more details.


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Every driver on earth would enjoy these types of benefits, when you have them with a Lexus you have something really special. Stauder Automotive wants you to always have a car that performs at this level. Bringing your Lexus repair work to us will make sure that this is always the case.
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Brad Pemberton, CMFC, CLU, ChFC, RICP, CExP | Consolidated Planning, Inc.
Brad's passion is working with companies to help them put plans in place to Reward, Retain, and Protect the ownership and key executive team.
Brad also focuses on advising executives and their families how to properly protect themselves and wisely invest money for the future.
Brad lives in Raleigh with his wife Joelle and daughters Lilly and Julia.


text:
Q: Excel vba: Insert cells/row down without moving selected ones xldown inserts and moves the selected cells/row down.
ie Range(*****).Insert Shift:=xlDown
But what i want instead to do is to keep the selected row as it as and shift the below rows down.
Can anyone help on writting vba for this ?
Thanks in advance

A: For a single column using
Dim rng1 As Range
Set rng1 = Range("A1:A10")
rng1.Cells(1).Offset(rng1.Cells.Count).Resize(rng1.Cells.Count, 1).Insert Shift:=xlDown

would insert cells from A11:A20

redpajama_set_name: RedPajamaStackExchange


My section of Colorado is now coated in ice and snow, which means that walks will be shoveled, car windows will be scraped and I will have to turn to the treadmill to sustain my nightly jogs. This snow is going to stick for a while. Winter isn't coming anymore, it's here to stay.
Gym was certainly my least favorite class in school, and in college I took "Stress Management" for a PE credit, because college is awesome. It is this world view that led me to believe that I wasn't a "gym kind of guy". I always just assumed that the people who went to the gym were goons in TAPOUT shirts, but there seems to be a good cross section of Americana converging on my rec center. Young, old, fat, thin, black, brown and white they're all there, which for me is very comforting. So I trot away on my treadmill (I prefer No. 5, but No. 4 will work in pinch) thinking of my caloric intake, new and exciting projects and the imaginary zombies chasing me. It feels like I'm outrunning them all, or chasing them down. I never thought I could be "relaxed" and "focussed" while exercising, but there you have it. I must be a ninja.
This weekend was action packed, as they all will be from now until New Years, therefore I'm scrambling at my day job to finish the pile of work I've been given to complete by the end of the year. This also means I've been scrambling at video work in order to finish the next episode of Victorian Cut-out Theatre. I had an episode completed, but it wasn't to my standards. I knew I could do better, so I decided to start over. This new episode is definitely higher quality and I will finish it by the end of the month, but because of circumstances, I don't know if it can be posted on Cinevore on the 7th. If not, I may just post it early on my channel. We'll see.
As well as battling schedules, my wife and I have also been battling the cold. Our policy has previously been to keep the house at minimum heat in order to save money. Having grown up in a house that was built in the 1920s, that even to this day does not have insulation in it's walls, I know what this feels like. However, the chill of this winter has proven too much for my thrifty wife and she's relented in setting the thermostat at a decent level. This means I will have to get better at building fires in our new fireplace. So far I've been very successful at lighting paper on fire, less so with lumber. I remember a lot about The Boys Scouts: drawing, reciting oaths, exercise and finally, bullying*. I do not, however, remember anything regarding fire starting. I'll give it another go this evening and see if we can stave off the cold and outrageous heating bills in the coming winter months.
P.S. There's a new Vlog up today. Give it a watch, link to Facebook and twitter and be sure to tell your friends. You can watch it HERE.
*I was a Webelo Scout for all of one week, before deciding never to return. Up until then, I had fun, but I didn't appreciate the bullying of some rather thuggish Eagle scouts during our first Webelo meeting. Looking back, my time was better served in Odyssey of the Mind, where my talents were appreciated a bit more and I wasn't made fun of.


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Moja sestra: Marie NDiaye and the transmission of horrific kinship
Asibong, Andrew (2007) Moja sestra: Marie NDiaye and the transmission of horrific kinship. In: McNeill, I. and Stephens, B. (eds.) Transmissions: essays in French literature, thought and culture. Romance Literatures and Cultures. Oxford, UK: Peter Lang. ISBN 9783039107346.
Official URL: https://www.peterlang.com/abstract/title/9836?rske...
Book synopsis: As a concept, transmission is crucial to our understanding of how ideas circulate within and across cultures. It opens up a series of questions that link to key debates concerning the exchange of knowledge. Bringing together research from a broad range of areas in French studies, this volume investigates the workings of transmission in relation to canonical and contemporary figures alike, including Proust, Barthes, Derrida, Jean-Luc Godard, and Claire Denis. The essays collected here offer a lively response to the themes of transmission, considering literature and philosophy from the medieval period onwards, as well as modern cinema and critical theory. The first section traces concepts of malign transmission that have informed medieval, early modern and finally contemporary representations of contagion. The second section addresses the impact of trauma, along with its imperative to testify to, or transmit, painful experiences such as rape and the Holocaust. The final section considers transmission in terms of a signal that carries a message, as well as the media that transport or encode that signal.
School of Arts > Film, Media and Cultural Studies

redpajama_set_name: RedPajamaCommonCrawl


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Thessaloniki Releases Greece's First Citywide Resilience Strategy
The Resilience Strategy will enable the city of Thessaloniki to plan integrated solutions that look to guarantee the well-being of its citizens, and nurtures its human talent, while strengthening the city's urban economy and respecting its natural resources.
To develop the strategy, the City of Thessaloniki was supported 100 Resilient Cities – Pioneered by The Rockefeller Foundation (100RC). Thessaloniki was selected to join the 100RC network in 2014, out of more than 1,000 applications from around the world.
More than 2,000 people and 40 organizations from across the city participated in workshops, teams, and questionnaires to express their views on Thessaloniki's resilience, with a notable focus on issues related to the local economy and mobility.
THESSALONIKI, GREECE – Mayor Yiannis Boutaris and the City of Thessaloniki today launched "Resilient Thessaloniki – A Strategy for 2030", an ambitious citywide strategy that looks to guarantee the well-being of Thessaloniki's people and nurtures its human talent, while strengthening its urban economy and respecting its natural resources. The strategy is the result of a two-year intensive partnership with 100 Resilient Cities – Pioneered by The Rockefeller Foundation (100RC).
To develop the strategy, the City of Thessaloniki joined forces with Metropolitan Development Agency of Thessaloniki to create a strategy that delivers both local and metropolitan scale solutions. Thessaloniki was selected to join the 100RC network in 2014, out of more than 1,000 applications from around the world. As part of the 100RC partnership, Thessaloniki named Lina Liakou as the city's Chief Resilience Officer, who led the development of "Resilient Thessaloniki."
Yiannis Boutaris, Mayor of Thessaloniki, said the Resilience Strategy is a great opportunity to be part of a global community of cities and people, and to develop a holistic plan for the future of Thessaloniki. "2030 is not far away – it is 13 years in the horizon. Looking back 13 years from now, we were celebrating the 2004 Summer Olympics in Greece, unaware of the impending economic and political crisis. Significant changes can happen in 13 years and our city has survived many of those over the centuries. Now is the time to maximize our efforts to ensure a legacy for future generations and together create a new roadmap for the ongoing development of the city."
Lina Liakou, Chief Resilience Officer and Deputy Mayor in Urban Resilience and Development Planning, describes the next steps following the strategy release.
"The Resilience Strategy represents the start of a process of co-creation. It builds on what we have already achieved and who we are while addressing our present and future challenges. It will serve as a roadmap to guide the evolution of activities as the city works with communities, local partners and a global network to become more dynamic, inclusive and sustainable."
"This is the new kind of urban governance, planning and strategy that the Office for Urban Resilience is promoting. The Office was established February 2016, following the city's selection in the 100RC network."
Michael Berkowitz, President of 100 Resilient Cities, applauded the city's release. "The work to create a citywide strategy in the midst of a crucial period of human and economic challenges in Greece is a moment of progress. Through the implementation of this strategy, Thessaloniki will be able to leverage partnership and funding in new and innovative ways to create an economically dynamic, welcoming city for generations."
Four main goals form the basis of the strategy:
Shaping a thriving and sustainable city with mobility and city systems that serve its people
Co-creating an inclusive city that invests in its human talent
Building a dynamic urban economy and responsive city through effective and networked governance
Re-discovering the city's relationship with the sea – integrated Thermaikos Bay.
These goals are broken down into 30 objectives and more than 100 actions, each with multiple benefits for the resilience of the city and population. Actions include policies, projects, and initiatives (existing and new), from youth participation to clean power for mobility; from waste management to co-ownership of public space and risk reduction.
The strategy aligns with and complements other strategic initiatives in the local, regional, national and international domain, including the city's 5-year Operational Plan 2020 and European Strategy for 2020.
Enquiries and interview requests to:
Aphrodite Bouikidis
aphrodite.bouikidis@gmail.com
Andrew Brenner
ABrenner@100resilientcities.org
100 Resilient Cities – Pioneered by The Rockefeller Foundation (100RC) helps cities around the world become more resilient to social, economic, and physical challenges that are a growing part of the 21st century. 100RC provides this assistance through: funding for a Chief Resilience Officer in each of our cities who will lead the resilience efforts; resources for drafting a Resilience Strategy; access to private sector, public sector, academic, and NGO resilience tools; and membership in a global network of peer cities to share best practices and challenges. For more information, visit: www.100ResilientCities.org.


Construction of the new 7,000+ square foot brick facility began in the spring of 2002 and was ready for occupancy in January of 2003.
It is the best in the state, comparable only to the medical examiner facilities in Pierce and Snohomish counties.
The building is designed for future growth both internally and externally.
All this and more was accomplished for under two million dollars.
These photos were taken when the newly constructed facility was dedicated on the afternoon of May 20th, 2003.


Many organisations, banks, utilities, telecoms and governments are now increasingly going online or making charges if their customers wish to receive paper-based communication.
But switching to digital is not always welcome.
Two Sides understand the value and convenience of the digital revolution but believe that citizens must continue to have a right to receive paper-based communications, particularly bills and statements, without penalties, supplementary charges or difficulty.
87% of consumers agree that the main reasons companies want to shift to electronic delivery is to save money – not to be environmentally responsible.
Independent findings from UK Opinium Research reveal that often the most vulnerable members of society are those most dependent on traditional, postal, transactional mail. The move to an online-only society risks leaving older people, the disabled, rural dwellers and those on low incomes disconnected.
The access to basic banking services and traditional means of payment, such as cash payments or paper-based transactions, must become a universal right.
It is important for policy makers to acknowledge that information on paper is preferred by many consumers and often receives more attention. Consumers wish to retain the flexibility of postal and electronic communications.
In reality, we live in an increasingly digital world where electronic and paper-based communications coexist and are often complementary. Communication strategies must not only be cost effective but also recognise citizen choice. There are many tangible benefits that paper-based documentation can bring and its preference as a means of communication by many consumers must be at the forefront of any digital planning.


Love. Learn. Success. is providing the opportunity for students to engage in the creation of culturally relevant art pieces, practice basic vocabulary words, and learn the unique cultural history and celebration. This will result in the development of a Spanish Dictionary that students will be able to reference as part of their continuous learning of language.
**If you are making payments using a Money Order or Cashier's Check, please include that payment along with your Enrollment Form. If you plan to pay using a credit card, please complete the Payment Authorization Form. Thank you!
© 2016 Love. Learn. Success.


text:
Files Portal
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CombatACE General Forums
By Capitaine Vengeur, May 27, 2011 in The Pub
+Capitaine Vengeur 262
Capitaine Vengeur 262
+PREMIER MEMBER
Location:Normandy, France
May 27, 1941, saw the tragic conclusion of several days of a legendary gripping stalking. The immobilized battleship KMS Bismarck, pride of Nazi Germany, had to face alone a large part of the Royal Navy, including heavy modern battleships like HMS Rodney and King George V. She finally sank after hours of a terrible, merciless pounding, losing 1995 of her 2200 officers and seamen. After submarine explorations, the ship is now considered to have been scuttled during this hopeless battle.
The Royal Navy needed a complete revenge after the loss of HMS Hood (with all hands but 3), three days before, and obtained it that day. It was also a refreshing breath for Britain during a time of bad news, for on the same May 27, the decision was taken to evacuate Crete (the third evacuation in one year after France and Greece).
Derk 253
Location:The back side of the moon..
Those must have been dark and desperate days in Britain and in Germany as well.
I have a fascinating book about the rediscovery of the Bismarck and indeed everything points to the fact that she was scuttled. Obviously it would have taken heavier stuff than torpedo's and 38 cm guns to sink her........
Sistership Tirpitz was eventually sunk by Tallboys at Tromsö......
Houdoe,
Go To Topic Listing The Pub
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text:
layout: page
title: About
image: /assets/images/Ty-With-smile-face.jpg
permalink: /about/
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## Hello
I'm Gary Caseman, and I am a designer and developer. I live in sunny southwest Florida.
 When I am not programming I hone my skills in photography and cooking.

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The primary information a reader will find in this blog will be web design and development related.

On occasion there will be information about food, cooking, and photography.

redpajama_set_name: RedPajamaGithub


Adam: Smooth quartet harmonies in the chorus of this song make it a great opening track. It's a solid track to begin the project.
Wes: I agree Adam, nice harmonies on the chorus, and a solid opener. This song is a bit similar to "I Still Got A Feeling" in that it isn't the pure country sound, but a bit more traditional.
Aaron: Good choice for an opener track. Kind of sets the tone for the rest of the album.
Brandon: This strikes me as the most traditional quartet song on the project. With David Hester's bass voice out front, I think this could become a concert favorite for the group.
Wes: I agree with Brandon, this is the most traditional song on the disc. Hester turns in a great performance here, and to me, this is one of the highlights of the projects.
DBM: I love the chorus on this song. David Hester gets to scrape the bottom, which is always a lot of fun. The verses could have stood more creativity, though. "Give it, come on give it, give it to the Lord" is a phrase that is used as a response to each line in the verse. It seems like the writers/arrangers just counted the number of required syllables and made it fit. As a lyrical hook, it's somewhat mundane.
Adam: What a fun track. Hester gets to display his range, which is always a treat. He is really becoming one of the premiere bass vocalists in the industry.
Aaron: I always enjoy bass features, and Hester turns in a great performance on this track. This will most likely become a "staple song" for the DBQ in their concerts.
Adam: Jerry Martin is out front on this number. This song has excellent harmonies but is a bit too mellow for my tastes…reminds me of elevator music.
Daniel: Yes, the song is rather mellow. But with much of the rest of the project being in an uptempo driving country style, the project needed a couple of mellow songs to round it out, and I view this as an enjoyable change of pace.
Wes: I'll agree with Daniel here. I enjoyed this song. It's not the best ballad Jerry Martin has ever been featured on, but it is a nice track, and a nice break from the driving country styling so prevalent on the disc.
Aaron: This Jerry Martin feature makes fans of his Kingsmen days reminisce a little. And, like the others have said, a change of pace from the rest of the album.
Wes: Mid tempo hard country tune. McCray is featured on the verses. Decent song, but nothing really special about it. Harmonies are smooth, and McCray does this style well.
DBM: The lyrics of "You Don't Know God's Love" (originally titled "You Don't Know My Love" and recorded by Ronnie Milsap) have been gospel-ized for Life. I'm typically critical of this practice because the results are often cheesy, but in this case, the quality of the song wasn't lost in the transition. I'm going to disagree with Wes, because I think it's one of the highlights of Life. There's a jew's harp vibration underneath that you don't typically hear on a Southern Gospel recording and a few moments where the instruments are allowed to come front and center. The arrangement suits McCray Dove's singing style to a tee. This is one of those rare cases where a group takes another artist's song and re-invents it, making it their own.
Brandon: I'll have to side with Wes, but I'll go a step farther and say that this song is too country for my taste. To me, this is the weakest song on the project.
Aaron: The "country" sound in some SG doesn't really bother me, and this is one of my favorite songs on the track. Very catchy tune, and not at all cheesy, which is often the case when an artist gospel-izes a song, as DBM said.
Adam: I really enjoyed the arrangement on this song. This is one of my favorite tracks from the project.
DBM: "A Day In The Life Of America" has a unique rhythm and grabs your attention with an interesting word picture: "We wake up each morning and start every day, with coffee espresso and grande lattes." Ronnie Milsap originally recorded this song. Monument Quartet has also covered it.
Daniel: Lyrically, the song is a rather unusual choice for a Southern Gospel project. The only reference to God is as a passing reference to being too busy to attend church, setting aside "an hour for God." Monument Quartet recorded the song on the project on their country crossover project. This cover could be a novelty track; on the other hand, since the album title seems to come from the song, the group might use the song to open the doors to new audiences.
Wes: I was fully prepared to loathe this song. I'd never heard it before, but judging from the title, I was expecting a cheesy, quasi-patriotic piece of absolute drivel. Boy was I wrong. I agree with David, it's a unique rhythm and a catchy word picture that really grabs the listener. The harmony on the chorus is very tight. This is a good song. Not a great song, but definitely a good song. The message in it is very timely, and much needed. We could all do well to just slow down our busy lives.
Aaron: In a slightly different key than Monument's version, this version is better, IMO. You find yourself laughing and agreeing with the statements McRay makes in the verses!
Adam: This song really spoke to me. I can see my life in the imagery portrayed because of my busy life. It's hard to find time for God, but we must make all efforts to do so. I think this song will speak to people and remind them to simply slow down. This song really made me reflect on some things and that is a rarity that a song will do that to me.
Daniel: David Hester is probably the single most versatile bass in Southern Gospel. Some bass singers rattle the subwoofers (J.D. Sumner, Tim Riley, Glenn Dustin), while others carry a nice solo (George Younce, Ed O'Neal, Rex Nelon). Some (Gene McDonald, Gerald Williams) can do both. But Southern Gospel has possibly never seen a more versatile bass than David Hester. On this song, he re-defines how well a low-note bass singer can sing a solo.
Hester sings the song in a baritone range (Ab2-Bb3, just below middle C), with a tone that led some early listeners to wonder which member had the feature. I was fairly certain from first listen that it was Hester, a view other listeners have confirmed. Many fans of traditional Southern Gospel (including many fans of the original Dove Brothers) will view this as the strongest track on the project.
DBM: This song surprised a few listeners when they heard it the first time. A typical question asked was, "Did the Dove Brothers bring in a guest vocalist?" The lead line on this song is actually sung by David Hester, but he's using his baritone range for a change of pace.
Wes: I really liked this song. David Hester shows a surprising quality to his upper range, there are really nice harmonies on the chorus. I like the acoustic ballad feel. It almost reminds me of a pop song from the 90s called "More Than Words" by the group Extreme. I never thought I could compare the Doves to 90s pop/rock, but the song has a similar rhythmic feel to it. Another highlight for me.
Aaron: I remember the stir it made when the tracks from Life were available for preview, and this track had people guessing as to who was singing. I'll admit, I thought at first that they might have gotten pianist Jerry Kelso to sing. But when I found out it was David, it reaffirmed my opinion that he is one of the best and most versatile basses on the road today. Great song, and would probably make for a good radio single.
Wes: Up tempo tune that is more traditional in style, though still retaining a decided country flavor to the instrumental track. McCray is again featured on the verses. This song is another decent one, I like the ascending harmony on the last word of the chorus the last two times through, but the arrangement still seems a bit bland. It may have been improved by changing keys and giving Jerry Martin the lead on the last chorus.
Aaron: Ya know, I realized while listening to the project that McCray is featured alot. But I'm not complaining; this is another song I can't get out of my head!
Brandon: I really think this song encompasses the sound that the Dove Brothers have been working on with their last few projects. It isn't the best song on the project, but when I think of their updated sound, this song demonstrates it better than any other.
Adam: I liked this song. I agree with Wes. It would have been a great addition to have another turnaround in a higher key with Martin taking the lead. Where does the tenor get to shine on this project? It seems they forgot about him in the studio.
Wes: Slow country flavored ballad. The chorus has a nice little chord progression thrown in, and it is sung very well. McCray is again featured. The lyrics are a bit of a unique thought. Decent, solid song.
Brandon: Country and featuring McCray… I sense a pattern with this project. As Wes mentioned, I think the best thing going for this song is the "unique thought" the song presents. In my opinion, this song is a tad better than decent.
Aaron: I believe I read somewhere that McCray wrote this ballad. Very interesting message to an interesting song.
Brandon: This is Eric Dove's only feature on the project, and as with most projects by the Dove Brothers, his feature is one of the highlights. This song was originally recorded by the Oak Ridge Boys on their Common Thread project. Although I've not heard the original version, it is hard to imagine it could be much better than Eric's delivery. Musically, there's nothing out of the ordinary to be found here, but the simple arrangement matches the simple truth of the song's message," you can't fix it, but He can".
Wes: This is a nice soft ballad, Eric performs this song admirably. McCray may get most of the attention, but Eric more than holds his own as the baritone vocalist for this group. Good song.
DBM: I'd give the edge to the Oaks on this particular cut. In the end, though, it's the lyrics that sell this song more than the performance. It's a well crafted song with a fairly simple, yet effective metaphor. Charles Bosarge and Phil Johnson wrote this song, by the way.
Aaron: I've never heard the Oaks version of the song, but I like this song anyhow. Eric Dove proves himself to be one of the best baritones out there.
Wes: Mid tempo swing style tune. Some really nice jazz piano highlights the track, and the vocals are very smooth. This is a great song, I noticed by the end of the chorus my head was bobbing along with the swing beat. McCray sings the verses, and does a surprisingly good job. I always typified him as doing well on the country and traditional stuff, but he does well with the jazzy feel on this one as well. Good job McCray!
Adam: I really like the arrangement on this track. An upright bass is always a treat on southern gospel projects. As a bass player, I felt there were some spots that could have used some additional runs and fill-ins with a bass solo, but I'm a little biased towards the instrument. Musically, this is my favorite track from the project. You don't get treated with many jazz numbers in this genre.
Aaron: Not a bad track, but nothing that really grabbed my attention. I was pleasantly surprised, however, with the encore of "You Don't Know God's Love"!
Wes: I find this to be a solid effort from the Dove Brothers, that features McCray heavily. There isn't one outstanding song that just grabs you, but there are several good songs here. I'd give the album 3.5 stars. I'm not really a fan of the country sound, so that probably skews my view of the CD. Fans of the new direction of the Dove Brothers will definitely enjoy the CD, probably even more than I did. Country stylings aside, it's still a pretty good effort from McCray and the guys.
Daniel: This project continues the Dove Brothers' move towards a driving country sound. Inclusion of several songs with country ties – Ronnie Milsap's (and Monument Quartet's) "A Day in the Life of America," the Oak Ridge Boys' "You Can't Fix it," and a re-write of Ronnie Milsap's "You Don't Know My Love" – has led some to wonder if the project might bring the quartet crossover success in the country genre.
DBM: Is Life perfect? No, but neither is real life. That being said, I added the majority of Life to Murray Radio, that little white box I carry around with me. With this recording, the Dove Brothers are pushing fresh sounds while maintaining a balance with more established song styles. As a result, Life isn't entirely consistent from beginning to end, but there are some real gems along the way. My rating for this CD is 4 Stars.
By the way, I don't think the Dove Brothers are pursuing crossover success in mainstream Country with this release. If they were, they'd surely have chosen original songs that would play in that vein rather than covers, and they'd have left the original lyrics of "You Don't Know My Love" intact. What they are doing is translating these songs to their core base of fans who may not have heard any of these songs before.
Brandon: There isn't anything found on Life that really makes me stand up and say, "wow," but I like the project. As Wes said, it is "a solid effort" with several songs with interesting lyrics and/or deliveries and strong messages. I do think McCray is featured too much, and hope future projects will include more features for Eric and Jerry. This isn't the group's strongest project, but I'd still give it a borderline 4 star rating.
Adam: Solid project from the Dove Brothers, but forgettable when compared to their previous release. Perhaps I expected too much from the group, but this effort falls short of the bar that was raised with Never The Same. It's certainly enjoyable to listen to, but it won't be recommended on my 'must-buy' list for 2008. I rate the CD with 3.5 stars.
Aaron: A good project to be sure, but I guess everyone expected them to top Never The Same, a very hard task! However, it is a decent project. I would like to see Jerry Martin and Eric Dove featured more, but that's just one guy's opinion. Not going to say this a "must-have" project, but it is definitely a solid addition to the DBQ's discography.


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Simon Cowell wants his son Eric to leave school at ten years-old
Simon Cowell's son Eric in Simon's office
Simon Cowell announces he wants his five-year-old son Eric to leave school when he's just 10 years-old.
Simon also wants to see homework banned.
Talking to Extra TV's Terri Seymour, Simon said: "Listen if I can get him out at 10 to come and work for me then I would. "I was better off out of school than I was in."
"But I didn't have that major stress about homework, because I would just throw it away.
"A healthy, happy kid is more important than an over-educated, stressed kid."
Simon has previously said in the past that he would love his son to officially take over the reins of his entertainment empire one day, and last year he gave Eric a taste of what's to come as he let his mini me have control of Syco offices as part of Unicef UK's World Children's Day.
"My dream would be to see him one day running the company I have built. And the most important lesson I have learned is what children teach you. They all have a voice."


This year we will use the Revised Common Lectionary Readings. Coming in 2016, the reflection for Corpus Christi Sunday. Our Comic, Ana Koulouris has focused her comic strip on Corpus Christi here.
For My Spiritual Advisor, this is Mark Kurowski with a reflection for Sunday, 6/7/2015 The 10th Sunday of Ordinary Time.
Please pause this audio and read Mark 3:20-35.
How do we know if something is of God or not? It seems that this is a very difficult situation. We can see from the raging argument amongst Christians right now about homosexuality, so called 'gay marriage', and the transgender post of Bruce Jenner on the cover a magazine this past week. It is one of the biggest questions that we have to ask as Christians wanting to do God's will. Christians should pray the Lord's Prayer every day. In it, it says, "your will be done." How do we know what the will of God is?
The passage from the Gospel of Mark is about the movement of the Holy Spirit in the lives of humanity. Jesus has just started his ministry and we are only three chapters into the Gospel of Mark. So far, he has healed St. Peter's Mother-in-law (Mark 1), preached repentance and forgiveness of sins, healed a paralytic, a leper and a man with a withered hand, and has engaged the Pharisees about questions of the Sabbath. In all this time of healing, preaching, and giving people good news of God's love, there have been two groups that are not so sure about him: his family and the religious authorities.
Could it be that these are the people who experienced how absolutely co-dependent I used to be? Could it be that they knew what I was like inside the house, behind closed doors? Yes, and probably more. Yet, it is also because we tend to have a harshness toward those to whom we are closest. We feel more free to be more critical of their motives beause we have seen them at their worst. We often do not think of people around us as being people who could just do the best, be the best and want the best for themselves and the world around them. Is that because there is a justification to think that there is something wrong with us as we attempt to do God's will? If we look at Jesus, we should know better.
I think Jesus says it best, "My mother, brothers and sisters are those who do the will of God." Yes, these are the people I call on when I am truly in need. I have a few siblings I call on because I love all of my family, but really, the people I go to for advice and such are the people of my faith community—not meaning this as a swipe against my family in the least. I admire them, am proud of all my siblings in particular, and love them dearly.
Then, we have the Church. I had mentioned two Sundays ago that when I sat in the parlor on a Pentecost Sunday night with a Cardinal of the Catholic Church, I had the sinking feeling that all he could see was that the Holy Spirit moved to bring people into conformity with his system of faith. I once asked a famous Catholic Evangelist what we do when the Church, "our Mother" he liked to say, abuses us, which has happened over and over again in the history of the Church. That was a couple of years ago and he is still working on his reply. Or, on the Protestant side, what do we do when someone sounds or acts "too Catholic"? I just attended a prayer service where a United Methodist minister, who was not me, crossed himself in the Name of the Father, Son and Holy Spirit. Evidently the Spirit has moved this man to be more demonstrative with his prayer, using his entire body, and is a minister in a Protestant Church. Unfortunately, I heard some people discounting what he had to say over all because he had crossed himself. Really?
It seems to me that being open to the Holy Spirit should ask a simple question, "Will what I am doing honor God or not?" Look at the body of work of Jesus Christ up to this time in the Gospel of Mark. Is there anything about healing people in the name of God, or calling people to repentance, or calling them to be ministers of the Gospel that is bad? You may think that only if you think that it is not the "right way to heal" or that it is not "the right person to heal" them. You may think that the message is not true because "you know what that person is like behind closed doors".
In my years of experience of both Catholic and Protestant spirituality, I have come to see that there is a third way. Sometimes the Catholic Church closes itself off like the scribes and Pharisees in this passage. They see someone who is not exactly like the pattern and sequence of events and discount that out of hand. Sometimes the Protestant Church is too open and takes anything and everything as God's work as long as it makes people feel good. In these two approaches, there is nothing but confusion for those of us who wish to be true to God, but are faced with sticky situations in our lives.
Does it really matter if someone receives the Lord during the Eucharist on their tongue or in their hand? What should matter is that the person is receiving the Lord, right? Does it really matter if a person signs themselves or if the preacher blesses us with the sign of the Cross? What should matter is that we are being blessed or that a person feels blessed, right?
How do we welcome people into the community of faith if we cannot have openness that God just might be doing something new here? How can we be true to all that God has already taught us about how he works by allowing things that he has said are sinful and blessing them as righteousness? Is there a way that we can uphold both at the same time in a way that only Solomon or Jesus could reveal to us?
Is what you feel God calling you to do something that is similar to what God has asked others to do in the Bible, in the history of the Church? Is what you feel God is calling you to do something that is not opposed to itself, as Jesus points out so well in this passage? Is what you feel God is calling you to do something that advances the Kingdom of God? Is what you feel God is calling you to do something that is using the gifts, meaning talents, you have to bless those around you and others?
As Jesus shows us by example in this passage, God is not about just tickling our fancy one accommodation after another. God is about the salvation of the world, verily the universe. The Father is about the restoration of humanity and the earth through the person of Jesus Christ, empowered by the Holy Spirit. If what you feel God is calling you to do is in line with God's agenda, then I can assure you, it is his will. A house divided cannot stand. Amen.


Description: Are all the fans of the hidden object game ready to join in Gnomeo And Juliet - Hidden Objects? The content of the picture mention about the house of two persons – Gnomeo and Juliet. The players' objective is to look the below objects, is to find them in the picture, and is to accomplish a level. Click the objects as quick as you can. Be careful! If your click is wrong, your score will decrease with a fixed quantity. This quantity is 25 points. There is one advice, which is useful for you. You had better observe carefully before giving an accurate choice. Good luck to you!


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To Capture All Digital Transactions, Tax Rules Must Keep Up
This article appeared in Law360 on March 22, 2022.
Commentary provided by Matthew A. Agramonte.
The American Rescue Plan Act takes aim at peer-to-peer payment platforms, mobile payment apps and online marketplaces like Amazon.com, Etsy, Shopify, PayPal, Venmo and Cash App, by expanding income reporting requirements for certain digital transactions.
However, the statute does too little, too late to enable regulators to capture transactions on all networks because ARPA's drafters failed to account for rapid developments in peer-to-peer, or P2P, payment technology.
ARPA decreased the threshold for reporting income earned from certain P2P digital transactions. As a result, in 2023 more small businesses, online retailers and freelancers will be receiving a Form 1099-K for their 2022 third-party network and payment card transactions.
Prior to the passing of ARPA, the minimum reporting threshold for filing a Form 1099-K was $20,000 in aggregate payment value and a minimum of 200 transactions per year. ARPA's reporting requirement drastically changed these thresholds to $600 a year without any minimum number of transactions.[1]
This reporting change only affects certain so-called payment-settlement entities, including the aforementioned P2P platforms. Under ARPA, these entities will be obligated to report payment transactions for the provision of goods and services that fall into two categories: payment card transactions and third-party network transactions.
Payment card transactions are those using payment cards — e.g., a debit card, credit card or stored-value card — that are issued pursuant to an agreement or arrangement that includes (1) the issuer of such cards; (2) a network of unrelated persons who agree to accept such cards as payment; and (3) standards and mechanisms for settling such transactions.
An example would be the transfer of funds using Venmo, which is done by linking one's Venmo account to a bank account or debit card.
Third-party network transactions are transactions settled through a third-party network. A third-party network is one that includes accounts[2] (1) established by a central organization that has agreed to settle transactions for the provision of good and services with purchasers according to the agreement's terms; (2) provides standards and mechanisms for settling such transactions; and (3) guarantees payment to the providers of goods and services via settlement.
An example of a third-party network transaction is a purchase using PayPal, an online medium of exchange that settles transactions on behalf its account holders.
In short, an organization is required to file a Form 1099-K if it provides a centralized network enabling buyers to transfer funds to sellers who have established accounts with said network — whether a payment card transaction or a third-party network transaction — and where the organization has a contractual obligation to accept and settle payment through this network.
However, not all P2P platforms fall under the ARPA reporting requirement. Zelle, a product of Early Warning Services LLC — a fintech company owned by seven of America's largest banks, including JPMorgan Chase & Co., Bank of America Corp., Truist Financial Corp., Capital One Financial Corp., PNC Financial Services Group Inc, U.S. Bancorp and Wells Fargo & Co. — is one such a P2P platform.
Zelle promotes itself as a digitally based P2P network that allows users to send money directly between eligible and enrolled U.S. bank accounts. Transactions executed using Zelle do not fall within ARPA's definitions of a payment card transaction or a third-party network transaction — and so are not subject to ARPA's reporting obligations — because Zelle does not rely on a centralized network or use payment cards as a medium of exchange.
The characteristics that allow Zelle to escape ARPA's reporting obligations are not unique. ARPA's soon-to-be archaic language is an example of the way in which Congress and regulators are failing to keep up with the dynamism of technology's exponential growth.
ARPA was drafted for a so-called Web 2.0 world — the version of the internet most of us use today — that encourages collaboration and interaction among users in P2P transactions, e-commerce, social media, and other things. The Web 2.0 tends to be dominated by large, centralized companies, like Alphabet Inc. — the parent company of Google LLC and YouTube — and Meta Platforms Inc. — the parent organization of Facebook Inc., Instagram and WhatsApp.
Such companies provide services in exchange for personal data. In a Web 2.0 world, centralized third parties are used for exchanges of value because the system does not allow for trustless exchanges between unrelated parties. Rather, the system requires neutral third parties, like banks and financial institutions, to assist in securely and successfully completing transactions.
ARPA incorrectly presupposes that the internet will not evolve past Web 2.0, and that exchanges of value will always require centralized authorities to settle transactions and guarantee payments. But such authorities are not necessary for a digital value exchanges. As the internet becomes more decentralized, ARPA's reporting obligation language will become increasingly obsolete.
Innovations in internet technology are allowing for the utilization of so-called trustless systems, meaning that users do not need to know or trust each other, or utilize third parties for web-based financial transactions to be properly executed.
Unlike its predecessor, the version of the internet known as Web 3.0 utilizes decentralized infrastructures to exchange data and information in a secured, pseudonymous fashion utilizing blockchain technology. Blockchain technology allows for the digital storage of information on public ledgers,[3] guaranteeing the fidelity and security of record data, eliminating the need for a verified third party, such as a bank or other financial institution.[4]
Instead of placing trust in third-party institutions to exchange value on the internet, users can rely on blockchain technology to verify both the identity of participants and the nature of the exchange.
For example, those transacting in bitcoin generally do so using so-called hot wallets[5].
These wallets do not technically hold, send or receive crypto. Instead, users may transact in bitcoin by assigning or reassigning wallet addresses to bitcoins already on the blockchain.
This process of assigning new wallet addresses to existing bitcoins is somewhat analogous to transferring fiat currency from one bank account to another — the money does not physically move, but rather is assigned a new digital address.
Decentralized blockchains, and the transactions executed on them, fall outside of ARPA's pertinent language. Legislators and regulators should not assume that online transactions require a trusted third party. In drafting rules and regulations, legislators and regulators should utilize blockchain-based terminology that will become ubiquitous in the very near future, and should include language that focuses on the transacting parties rather than the settling party.
New laws and regulations should include references to hot wallet addresses and to the beneficial owners of said hot wallets if they are to impose reporting obligations on those persons executing cryptocurrency P2P transactions.
As the internet becomes more decentralized, legislative efforts like ARPA, which attempt to raise revenue by employing language that refers solely to yesterday's technology, will become increasingly ineffective. To raise revenue from all P2P transactions, Regulators must take into consideration the decentralized digital environment, understand how it functions and how users interact with it.
Matthew Alain Agramonte is an associate at Shutts & Bowen LLP.
The opinions expressed are those of the author(s) and do not necessarily reflect the views of the firm, its clients, or Portfolio Media Inc., or any of its or their respective affiliates. This article is for general information purposes and is not intended to be and should not be taken as legal advice.
[1] This is the same threshold that has existed for years for traditional non-W2 freelance income. That form is called the 1099-MISC.
[2] The number of accounts must be substantial. "Substantial" is not a defined in the Internal Revenue Code or in the Treasury Regulations. However, a technical explanation of the Housing Assistance Tax Act of 2008 provided by the Joint Committee on Taxation interprets this substantial number to mean more than fifty providers of goods and/or services.
[3] Blockchain technology allows for the creation of either public and private ledgers that may have different degrees of decentralization or centralization. The degree to which any blockchain is either decentralized or centralized is dependent on code and protocol.
[4] A blockchain collects information together in groups, known as blocks, which have limited storage capacities. When a block's storage capacity is full, the block is closed off from receiving and storing more information and is linked to a previously filled block, forming a chain of data known as the blockchain.
[5] Cryptocurrency wallets are separated into two main categories. The first are known as "hot wallets", which are software-based tools that are connected to the internet; this article will only consider the role of hot wallets, as they are the ones utilized in P2P transactions. These hot wallets allow access to the Bitcoin blockchain, allowing transacting parties to reassign wallet addresses to the Bitcoin being transacted. The second kind of wallet is what is known as a "cold wallet", which is a wallet that is not connected to the internet. Cold wallets usually take the form of hard drives, and are normally used for storing crypto for longer periods of time.