Podcasts about disbursements

#SafeMoneyAndRetirementShow #LongevityConcerns Host Jon Heischman, Senior talks about longevity concerns and how to properly move your retirement accounts around.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.

The latest episode of the Urban Exchange delve into the transformative impact of technology on government disbursements to enhance urban resilience. Joining host Paul Wilson are Agustin Botteron, author of a new Visa report on government disbursements and former Chief Resilience Officer of Santa Fe, and Robert L. Matthews, Director of the Washington D.C. Child and Family Services Agency. Agustin shares insights from his experience as a city practitioner, emphasising the critical role of local government support programmes in addressing urban challenges, and the barriers such as capacity and funding. The conversation then shifts to the Visa report, exploring how cities worldwide are managing digital disbursements to enhance urban resilience. Agustin underscores the multifaceted nature of the process, encompassing finding potential beneficiaries, screening, and the actual payment. Director Matthews provides valuable insights into the Washington DC Child and Family Services Agency's shift from a paper-driven system to a digital platform during the COVID-19 pandemic. He focuses on the need for a rapid transition at that time and how it enabled more efficient support for families in need. As the conversation unfolds, the guests highlight the increasing relevance of digital disbursements in responding to extreme weather events and conflicts. They discuss the role of organisations like Visa and the Resilient Cities Network in fostering innovation, knowledge exchange, and infrastructure development. The Grandparent Caregivers Program in Washington, DC, serves as a case study, demonstrating the positive impact of financial subsidies and digital support on families caring for children. We wrap up by discussing the need for collaboration and trust among various stakeholders, including technology providers, payment platforms, government officials, and NGOs. The acceleration of digital transformation, prompted by the challenges of the pandemic, requires proactive measures to build resilient infrastructures and partnerships for future crises.

Welcome to another Tearsheet LinkedIn Live session. Joining me is Steven Faust, Dash Solutions CEO. Earlier this year, Prepaid Technologies rebranded as Dash. The company moved into a new corporate headquarters in Birmingham, Alabama. The company serves clients with 4 modalities: disbursements, rewards, spend, and pay. Stephen and I discuss the company's rebrand and how that's impacting the business. We discuss organic trends in the modalities where the firm competes. Stephen shares how Dash differentiates itself from a growing number of competitors and the impact the macroeconomy is having on his firm's business.

The disbursement of capital from foreign direct investment (FDI) projects in the first half of this year has reached US$10.02 billion, showing a modest increase of 0.5% compared to the same period last year, according to the Ministry of Planning and Investment.

Public finance management systems are a means of delivering development outcomes through a governance system, so assuring that fund disbursements are impactful is crucial. The inability of current systems to accurately measure and track key indicators creates operational challenges and overcoming them is critical in facilitating effectual public good. Representatives from USAID and EY join OMFIF to discuss some of the challenges unfolding in aid projects and how they can be resolved.

Will our legislators finally act and produce mandatory jail time for people who get caught stealing taxpayer $s??

How to Read Amazon P&L (Profit and Loss) Statements 00:00 Introduction00:04 How to read P & L of Age of Sage for the period Jan 1 to Oct 25, 2022,00:50 How to download Amazon's P & L: Go to Reports - Payments - Date Range Report 01:23 Generate Date Range report tab for P & L summary view per month or per year02:17 Amazon P & L summarizes all the income and expenses inside Amazon03:05 Breakdown of Amazon Net Income and Credits04:53 Breakdown of Net Expenses inside amazon and other deductions05:19 FBA Transaction fees account for the largest expense inside Amazon (actual FBA cost)06:22 Advertising cost is not included in the Amazon P & L yet06:44 Most sellers spend their advertising costs directly charged on their credit cards06:58 Sellers can enroll in Amazon American Express and get 5% cash back on ads07:35 Amazon P&L is a true picture of your expenses except advertising.07:47 Check on the Advertising Invoice History tab to have an estimated ads cost to date08:51 Transfer amount is the net of all the income and expenses inside Amazon.8:58 Sales taxes per state are taken care of by Amazon, no more sales taxes payable for sellers.09:46 Statement view tab with Payments Dashboard displays a summary of the settlement and the account level reserve10:57 Transaction View Tab shows specific order IDs, products sold, and charges and rebates11:17 Display of  Transaction details12:35 Fastest way to track your inventory12:57 Link to Shipping Alerts video14:53 All Statement tab display standard orders vs. invoice with beginning balances15:06 Does business reports factor in refunds? Yes, they do15:32 Disbursements tab displays all the transfers to the bank account of the seller every 2 weeks15:54 Date Range Report tab generates the P&L report by choosing the summary report16:22 Audit of Advertising Cost by going to the Campaign Manager16:59 Link to Seller Accountant CEO Tyler Jeffcoat videos17:19 Steven's job as a marketer is topline and's concerned more with the sales growth, while CFO's job is the bottom line or more concerned about the profit

Man Who Shaped US National Health Policy for Decades Used NIAID Disbursements to Lie to Us All

Man Who Shaped US National Health Policy for Decades Used NIAID Disbursements to Lie to Us All

This week on the Pro-Life America podcast, we cover the scandal that most Americans have no idea they are footing the bill for.  This episode will have your blood boiling as we reveal and provide proof of how eugenics and population control efforts are being thrust on foreign countries under the guise of “aid.” Links Mentioned:The United States Announces $43.5 Million To Support Youth Empowerment In South Sudan - USAID Press ReleaseGAO Finds USAID-Funded Organization Pushed Pro-Abortion Language in Kenya Constitution - Rep. Chris Smith Press ReleaseWHO and UN Exploit Coronavirus to Push Abortion on Third-World Nations - Life NewsThe UN, the IMF, the World Bank, and abortion - The InterimApproach paper: Evaluation of the World Bank's Assistance for Health, Nutrition, and Population - Independent Evaluation GroupBiden rescinds abortion restrictions on US foreign aid - AP NewsUnited Nations Population Fund and the CLIMATE CRISISUSAID Climate Strategy PolicyStudy on: Donor Commitments and Disbursements for Sexual and Reproductive Health Aid in Kenya, Tanzania, Uganda and ZambiaUnited Nations 2030 Agenda For Sustainable DevelopmentReport Highlights Lack of Access to SRHR Information in Kenya - Center For Reproductive RightsUNFPA Kenya announces £500,000 funding from UKAID to strengthen reproductive health commodity security - UNFPA Press ReleaseThe Population Control Holocaust - The New AtlantisContraceptive Imperialism and Third World Poverty - Catholic Education Resource CenterWatch Maafa 21Rate & Review Our Podcast Have a topic you want to see discussed on the show? [Submit it here.]To learn more about what Life Dynamics does, visit: https://lifedynamics.com/about-us/Support Our Work Be Sure To Follow Life Dynamics:Our WebsiteFacebookTwitterInstagramYouTubeRumble 

On Dec. 31, a decades-long saga came to an end—although that “end” is proving to be particularly beneficial to the person involved. We're speaking of Dr. Anthony Fauci, the man who has headed up the National Institute of Allergy and Infectious Diseases (NIAID) for decades. Fauci, who is 85 years old, has worked in the federal government for a staggering 59 years. Despite a litany of failures and outright lies, he is now the recipient of a pension befitting a president—or perhaps more accurately, exceeding a president. Fauci, who earns an incredible federal salary of $480,654 per year, is estimated by Open the Books to receive an annual pension of $414,000 per year for the rest of his life. ⭕️ Watch in-depth videos based on Truth & Tradition at Epoch TV

TP Nchocho, chief executive officer of the Industrial Development Corporation of South Africa on how they have managed to double their funding approvals.     Richard Spoor, public interest lawyer, helps to answer who will be liable for the mine wall collapse in Jagersfontein, which left hundreds of people homeless and injured.     Then Gcina Mhlope, activist, storyteller and author talks about her career as well as relationship with her money.See omnystudio.com/listener for privacy information.

Guest: TP Nchocho | Chief Executive Officer of IDC See omnystudio.com/listener for privacy information.

Message from Bill Heydorn on May 8, 2022

The Tax Credit for Low Income Student Scholarship program helps eligible students to attend private schools of their choice. Kansas law requires that 90% of contributions be disbursed as scholarships within 36 months. During the period from 2015-2021, scholarship granting organizations disbursed just over $9 million in scholarships of the $15.5 million in contributions they received. All but 2 scholarship granting organizations met the 90% distribution requirement during that time. Both organizations mentioned that a lack of eligible students caused them to fall short of the requirement. KSDE monitors scholarship granting organizations' compliance with state law at a high level, but their processes lack information to track the 90% distribution requirement. 

Those thinking of selling on Amazon may not understand the whole process, here is our short guide to how Amazon pays you your profits.Analyse Your Deals More Efficiently With BBP:https://www.buybotpro.comhttps://www.instagram.com/buybotproReprice With Profit Protector Pro Now:https://www.profitprotectorpro.comhttps://www.instagram.com/profitprotectorproUnique Deal Sourcing Service:https://www.onlinearbitragedeals.comhttps://www.instagram.com/online.arbitrage.deals

Almost 50,000 families have gotten rent relief since July of last year. Jahd Khalil reports that even though Virginia may be doing better than other states, many families are still at risk.

Even before the COVID pandemic brought the notion of precarity to the mainstream, many populations in the U.S. and abroad faced life through different types of insecurity. In 2019, after hearing  story after story from students, the Leonetti/O'Connell Family Foundation created an emergency aid program. The project was co-designed with researchers at the USC Sol Price Center for Social Innovation and students experiencing precariousness. Emergency Aid programs work! Using aid from this pilot program, students at USC and LACCD were able to continue schooling under tenuous circumstances. So ... what now? Our guests are: Cara Esposito, ED of the Leonetti/O'Connell Family Foundation Gary Painter, Director of the Price Center for Social Innovation Hilary Olson, PhD Candidate, USC Price Victoria Ciudad-Real, Project Specialist Price CSI

In this episode of The Payments Show Podcast, I spoke to Patricia Montesi, who is the Co-Founder and CEO of Qolo.Qolo is a flexible, secure B2B payments hub which allows Fintechs and Businesses with Card Processing, Disbursements, Cross-Border Payments and Core Accounts. Qolo provides direct oversight of card fulfillment, customer service & financial institution relationships.Summary of topics discussed:1. B2B and B2B2C Payments Hub2. Real-time Payments3. Disbursement for the Gig Economy4. Banking As A Service5. Consumer and Corporate Payment Cards6. Wage Access7. Prepaid Cards8. Regulations and Compliance9. Agnostic Platform10. Program Management6m Highlights Version: click hereDetails:- Recorded on 02 Mar 2020- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Patricia Montesi, Co-Founder and CEO, Qolo[Next Steps]- Get in touch with Satwant: digitalmoneylab.com- Get in touch with Patricia: linkedin.com/in/patricia-montesi-ab697b- Qolo: qolo.io[Support the Show]Buy Bitcoin and receive $20 cash bonus! Bitstamp is the original global cryptocurrency exchange. Buy instantly with a card: bit.ly/3mQTk9AExchange 150+ different cryptocurrencies Exchange and purchase over 150 cryptocurrencies with Changelly: bit.ly/2YlimDzFee-free Overseas Currency Transfer Get a fee-free currency transfer for you or your business with Wise: bit.ly/3DJBBGUDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the show (https://www.buymeacoffee.com/satwant)

We're often asked to break down closing costs for investment properties or for any home purchase. On this episode of The Your Life! Your Terms! Show we chat with Gerry Gatto, of Gatto Law, to outline what legal fees and disbursements are typical when buying real estate. Some investors try to save $50 by comparing legal fees but in their savings they don't realize some of the services they may NOT be receiving. On this episode, we finally break it all down. Gerry is a very experienced lawyer and we always have a blast learning from him. You can find Gerry Gatto at www.GattoLaw.ca

Fees

Charging fees and disbursements through civil society organizations and written confirmation

What is fair and reasonable fees?

The Industrial Development Corporation (IDC) – which reported a R3.8-billion loss for the 2019/20 financial year, driven by a surge in impairments from R4.8-billion to R9.6-billion – has revised its investment strategy with the aim of “catalysing” government’s Reconstruction and Recovery Plan through risk-sharing partnerships with private and public co-financiers. CEO TP Nchocho stressed that the State-owned development finance institution (DFI) would continue to operate at the “upper end of the risk spectrum” in supporting the plan, announced by President Cyril Ramaphosa on October 15 and which included strong infrastructure, industrial, energy and agricultural components. However, given that the distress prevailing in many of the sectors to which the IDC was exposed was expected to persist for some time, the group would prioritise the selection of “good quality” investments that were able to attract other partners. This depressed economic environment was reflected in the 10% fall in funding approvals to R11.8-billion during the year. Disbursements, however, declined by only 1% to R11.7-billion compared with 2019. “The economic recovery of the country, we believe, will be well driven if investment choices are made on a strong financial-sustainability basis, on a strong development-effectiveness basis, and we believe that it will involve sharing risk with other financial institutions and development partners,” Nchocho said, adding that the IDC had no intention of going it alone. The DFI’s historical approach of assuming senior debt in investments in which it also took equity was likely to make way for one where the financing risks were “distributed” more widely and where the IDC no longer underwrote the entire project. Nchocho said the principle would apply equally to both medium-sized investments and those involving billions of rand. The IDC had also overhauled its Africa strategy to focus primarily on the Southern African Development Community (SADC); this after a handful of non-South African projects were key to driving the surge in the group’s nonperforming loans (NPLs) ratio, which rose from 22% in 2019 to 26% in 2020. Nchocho described the level of NPLs as far too high even for a DFI and said that, in future, investment activities outside of South Africa would be pursued mainly within SADC and primarily with South African-based partners. He indicated that the gas developments in Mozambique were receiving priority attention in the region, while its energy and agricultural investments were poised to grow strongly within the borders of South Africa itself. The IDC’s exposure to renewable energy had decreased from over R13-billion to about R11.2-billion, but acting CFO Gert Gouws said that with the procurement of ‘emergency’ power capacity under way, as well as with the prospect of new renewables bidding rounds, that exposure was likely to rise strongly in future. LISTED-ASSET DIVERSIFICATION & FOSKOR SALE In parallel, attention was also being given to diversifying its portfolio of listed assets (which took a major knock both from the collapse in Sasol’s valuation and the Covid-19 pandemic) and to decreasing it exposure to lossmaking subsidiaries, such as Foskor. By the end of March, the IDC’s listed portfolio had slumped to only R23.5-billion, from R56.2-billion at the end of March in 2019. The dramatic fall was driven largely by its holding in Sasol, the value of which plummeted from R24-billion in March 2019 to only R2-billion in March 2020. By the end of September, the portfolio had recovered to R40.5-billion, however, with Sasol, Kumba and BHP driving the recovery. The group has also issued an expression of interest (EoI) for those interested in acquiring a stake in Foskor, which reported a R1.6-billion loss for the year, increasing cumulative losses for the past five years to over R4-billion. The IDC expected Foskor’s losses to moderate materially during the current financial year, an...

This is episode 35 of the Leaders in Payments podcast and David Josephs, the CEO of DaVinci Payments is our special guest this week. David lives just outside of Chicago, grew up in Queens and went to Wesleyan University in Connecticut. He worked on Capitol Hill for 6 years and has been in payments for 20 years. DaVinci Payments tries to do justice to their name by blending art and science and a quarter century of experience to provide corporate payments through virtual and physical means with prepaid cards and other form factors. David has a passion for payments and a personal passion for reading. He provides some great insights about the future of payments and also provides some great insights for those just starting their careers. www.davincipayments.comwww.leadersinpayments.comwww.podcast609.com

Warren Perlman of Ceridian says reimagining how and when employees are paid is long overdue as nearly one in three workers runs out of money before payday.

Ingo Money EVP Lisa McFarland on how digital identity can help entities authenticate endpoints without compromising speed or user experience.

Tom Reuter of Deluxe discusses how P&C insurance carriers can ensure business continuity and security as they transition to digital disbursements.

A puzzle that may baffle the inquiring mind is how a college dropout, a computer nerd without any notable biological or medical background, and at one time the wealthiest person in the world before being unseated by the self-centered playboy Jeff Bezos, could rise to become one of humanity's leading spokespersons about vaccination. After transitioning away from Microsoft to work full time for his Bill and Melinda Gates Foundation in 2006, funding vaccine development and agricultural genetic engineering seems to have turned into one of Bill Gates' deeper passion. in the past, he has been a public protector of Monsanto's chemical-dependent GMOs and continues to promote the agro-chemical paradigm throughout the developing world. Although there is nothing wrong with philanthropic enterprises for causes we believe in, what is disturbing is that a non-medical expert has assumed the role of being a national thought leader on vaccination safety and policy. What people do is less important than their motivations and intentions.  Personality- wise, it is no secret that Gates was a difficult boss to work with. He was known to be extremely critical, belligerent, sarcastic and his anger would often degrade employees. He was a fierce taskmaster as the Washington Post reported, and Fortune magazine listed him as an "egotistical jerk" along with other billionaires such Steve Jobs and Jeff Bezos.  Now with COVID-19 upon us, some, such as NPR, would call Gates prophetic for warning about viral pandemics five years ago. However, there is nothing extraordinarily novel, and definitely not Delphian, in this pronouncement. Gates is certainly no oracle. As personal experience confirms, such conversations among scientists have gone on in the corridors and cafeterias of biotech firms for over three decades. More likely is Gates simply fear mongering to turn his enormous investments into vaccine research and development for a coronavirus vaccine with the outcome being greater profits? To call Gates a vaccine and genetic engineering fanatic is an understatement. While lecturing at the elitist TED 2010 conference in Long Beach, CA, he slipped a statement while speaking about the dangers of climate change and over population: “Vaccines? I love them.” His admission was made in the context of his philanthropic strategy and vaccines play a crucial role in his firm conviction that population reduction is an urgent priority for the survival of humanity. Of course the question that arises is who should be eliminated from the population? And who is elected from the public to make such decisions? The short answer is no one. Nevertheless this agenda is covertly proceeding through foundations, international agencies, non-profits, and private industry. In 2000, the Gates Foundation founded the International Finance Facility for Immunization (GAVI) and that organization's Global Fund for Children's Vaccines. GAVI is a global collaboration that includes governments health ministries, the Rockefeller Foundation, the World Bank, WHO, the International Federation of Pharmaceutical Manufacturers, UNICEF, corporate vaccine makers, and other influential entities. All of these are zealot vaccination promoters. One of the organization's goals is to vaccinate every child in Africa. In 2019, GAVI reported having reached over 960 million campaign immunizations in developing countries.  In his deconstruction of Bill Gates' charitable agenda, F. William Engdahl writes, “Vaccinating a child who then goes to drink feces-polluted river water is hardly healthy in any respect. But of course cleaning up the water and sewage systems of Africa would revolutionize the health conditions of the Continent.” Far more effective would be the Foundation donating its billions to improve sanitation and hygiene, and provide nutrition to the 2.6 billion people who have little to none, for increasing clean water sources so 900 million global residents can have access to drinkable water (now at 1 in 3 Africans). Instead, the Foundation could be funding thousands of health clinics focusing on the chronic illnesses these populations suffer from most. This is simply common sense. “Bad water,” says the Stockholm International Water Institute's director, Anders Bentell, “kills more people than HIV, malaria and war together.”  And globally, contaminated water, which kills approximately 9 million people annually, is a far more serious crisis than the evidence now indicates for coronavirus.  Over the past several years, the prestigious British medical journal The Lancet has printed a series of in-depth analyses of the Gates Foundation with disturbing revelations. In a September 2008 article, “Misfinancing Global Health: A Case for Transparency in Disbursements and Decision Making,” the authors' investigation came to the conclusion that aside from excessive funding of high profile Western institutions and organizations, there was “a heavy bias in funding towards malaria and HIV/AIDS, with relatively little investment into tuberculosis, maternal and child health, and nutrition–with chronic diseases being entirely absent from its spending portfolio.” And a later study by Dr. David McCoy from the Center for International Health found that “the grants made by the Foundation do not reflect the burden of disease endured by those in deepest poverty.” None of these findings have been covered to any extent by mainstream media nor any governing body. Seemingly Gates is riding on the coat tails of the COVID-19 panic that has infected much of the global community, when in fact, some analyses, such as one recently out of Stanford, indicate that the danger is likely over exaggerated. Earlier this month, Gates announced he would be spending billions of dollars to fund seven separate coronavirus vaccine development initiatives. As a result, his Foundation has emerged as perhaps the foremost leader in the vaccine industry's response to the pandemic. Gates has gained free entrance into the offices and boardrooms of all the leading players savoring the opportunity to launch a fast-tracked coronavirus vaccine that may likely be made mandatory for Americans, including National Institutes of Allergies and Infectious Disease director Anthony Fauci, the CDC's vaccine advisory committee and the WHO. Thus far, Gates has shown reservation against a hasty launch of a vaccine that will likely not have been reviewed long enough to determine its safety and efficacy in long-term immunity. During a White House press conference with Trump, Fauci indicated a vaccine might take a year or two before approval. The anti-science Trump replied he would prefer it were a couple months. There is a strong possibility that like the influenza vaccine, immunity will wane quickly. We may recall that Fauci aggressively pushed for fast-tracking the H1N1 flu vaccine during the swine flu epidemic that never appeared as predicted. He was called out on this failure by Senator Tom Coburn for advocating a vaccine found to be only 30% effective in trials conducted in Thailand. Recent studies out of Shanghai already show that 30 percent of those who contract a wild COVID-19 virus show only minor or no neutralizing antibodies. And South Korea is now reporting cases of individuals getting infected with COVID-19 a second time. Other seasonal coronaviruses, which are only mild common colds, return repeatedly and indicate infection triggers only short temporary immune responses and even then not in everyone. However, not all leading vaccine advocates are on board with rushing a vaccine. During a Philadelphia Inquirer interview with rotavirus vaccine inventor Dr. Paul Offit at the Children's Hospital of Philadelphia, Offit warned against efforts being made to get a vaccine on the market as swiftly as possible. This is a virus, according to Offit, that we still know very little about. He stated, "If you're going to be testing this in otherwise healthy people who are very, very unlikely to die from this infection, you better make sure it's safe." He offers the example of the poorly developed dengue vaccine that was tested in Latin America and the Philippines and found to increase the risk of dengue shock syndrome. The same could happen with a COVID-19.  Peter Hotez, Dean of the National School of Tropical Medicine at Baylor University, developed a vaccine against SARS in 2016 before money dried up. Yet in a recent appearance before Congress, he testified a coronavirus vaccine could have a "unique potential safety problem."  We should be warned that questions would remain if and whether Hotez's team were to get a vaccine into advanced trials. An earlier University of Texas effort to develop a vaccine against the SARS coronavirus was appalling. Despite inducing neutralizing antibodies, all the mice in the trial exhibited immunopathological events in the lungs. More recently, a global analytics firm, Clarivate, investigated two COVID19 vaccines in the pipeline that have reached later clinical trials. Their report estimates that it will require over 5 years for developing a safe vaccine and it will likely be only 5 percent effective. In other words, it is an enormous waste of funding.  Gates, on the other hand, seems to be ignoring these warnings from persons who have devoted their lives to vaccine development. He is stubbornly determined, irrespective of money spent, to get a COVID19 vaccine onto the market. A question that arises in our minds is how concerned Gates might be of vaccine safety issues. If the past is any indication of his priorities, it appears his focus is to increase vaccine compliance while ignoring the high incidence of serious adverse events and deaths. Bobby Kennedy Jr. at the Children's Health Defense organization has listed some of the vaccination debacles that are directly associated with his Foundation: In 2002, operatives in the Gates network enforced a meningitis campaign in Sub-Sahara Africa that paralyzed up to 500 children. In 2010, his foundations support for Glaxo's experimental malaria vaccine trials killed 151 African infants and seriously injured another 1,000.  Gates collaboration with India's National Technical Advisory Group resulted in a catastrophe of unmonitored overlapping polio immunization programs triggering an epidemic of non-polio acute flaccid paralysis that affected 490,000 children. Gates vaccine programs were forced to leave India. Cases of vaccine derived polio now outnumber cases from wild polio.  In 2014, Foundation funds went to experimental HPV vaccine trials in India, in joint collaboration with Glaxo and Merck, that violated ethical standards. Over 1,000 girls developed severe autoimmune diseases and fertility disorders.  It is easy to overlook the larger significance of the results Gates' vaccination campaigns. In short, Gates was responsible for implementing and funding these programs that injured and caused the deaths of innocent children and adults. Due to his stature among governmental and international health agencies, he has not been held accountable. People such as Gates are judged by a different standard, meaning they are not judged at all. Equally worrisome, aside from his vaccine frenzy, Gates makes efforts to influence the nation's health policies. In the past he has been a fanatical advocate for mandatory vaccination.  During a recent TED Talk interview, Gates advocated a national campaign to issue certificates for those who have been either infected with COVID-19 or vaccinated against it. "Eventually what we'll have to have is certificates of who's a recovered person and who's a vaccinated person," he stated, "because you don't want people moving around the world... (without their certificates)." Gates however is a symptom of another side of national crisis. There would be no need for citizen billionaires to be taking the helm to manipulate national policy responses to health crises, such as the COVC-19 pandemic, if there was in place a functioning healthcare system. Unfortunately it has been the gross failures of the Trump and previous presidential administrations that have opened the doors for others like Gates to step in. For too long, the US's federal health agencies have been thoroughly compromised and corrupted by private pharmaceutical interests. The pandemic is revealing to Americans that we have the most dysfunctional medical system in the developed world.  Unfortunately the wealthiest elite on the planet are rarely questioned about the correctness of their actions and schemes. As long as a Bill Gates says he is giving huge sums of money to a cause to end disease and suffering, we are not suppose to probe further. Rather, in the case of mainstream media, such people are to be worshiped as saviors. The oligarchic elite are so well interconnected on multiple boards of directors, clubs for the rich and powerful, think tanks, media conglomerates, and among the high ranks of elected legislators and politicians that it is difficult to have an open and honest debate on the merits of their actions and spending.  So when someone like Ted Turner says we should reduce the world's population by more than half, and Bill Gates suggests a 15 percent reduction, do we fully understand the potential for eugenic efforts?  And this is another issue about Gates that should disturb every person on the planet.  As a keynote speaker at the TED 2010 conference, Gates laid out his rationale for an international effort towards global depopulation. He said, “If we do a really great job on new vaccines, health care, reproductive health services, we could lower that [projected to be 9 billion people by 2050] by perhaps 10 or 15 percent.“ Therefore it was shocking to learn that a tetanus vaccine administered to Kenyan women in child bearing years was purportedly laced with Human Chorionic Gondatropin (hCG) that causes miscarriage and renders a woman sterile. The discovery was made by the Kenyan Catholic Doctors Association that noted something was seriously wrong with women following vaccination and had the vaccine analyzed. But more appalling was tracing the vaccination campaign to funding by the Bill and Melinda Gates Foundation for distribution by UNICEF. Further evidence is found in a 2005 Foundation press release stating Gates' gift of $26 million to UNICEF for a vaccine to eliminate maternal and neonatal tetanus. Curiously, Brian Shilhavy at Health Impact News observed, "there was no outbreak of tetanus in Kenya, on the perceived threat of tetanus due to local flood conditions." Therefore, why the campaign to vaccinate young women en masse? In conclusion, we have the world's second richest billionaire who deeply believes he has a personal authority to be a policy maker for America's public health. Therefore, do we truly realize the dangers of billionaires, unelected to any position of authority over the nation, and their threats that undermine democracy?  

Deluxe discusses the benefits of embracing B2B payments while preserving check workflows to ease friction for both buyers and suppliers.

The Federal Government has ordered the termination of contracts of two Payment Service Providers for their failure to begin the Conditional Cash Transfer scheme to beneficiaries in four states of the federation assigned to them. Based on the statement issued by the ministry on Tuesday, the Minister of Humanitarian Affairs, Disaster Management and Social Development, Sadiya Umar-Farouq, gave this order. The affected states are Bayelsa and Akwa Ibom in the South-South; Abia in the South-East; and Zamfara in the North-West. The ministry stated that the immediate termination of the contract would be with the guidance of the World Bank which will ensure that payment begins in the affected states on or before April 28, 2020. --- Support this podcast: https://anchor.fm/newscast-africa/support Learn more about your ad choices. Visit megaphone.fm/adchoices

Funds will soon be flowing to the states for Americans filing for unemployment. Clark discusses more of the details we now know. The stock market continues to be volatile. Clark tells you what this means for your investments. Gas prices are down although Americans are driving far less these days. And the Real ID law implementation has been delayed for a year. Thanks to the stimulus bill, you can take money out of your 401k without penalty. But should you? Probably not. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today’s top news: More companies are considering applying for one of five digital banking licenses in Malaysia, and Vodafone leaves the Libra Association.

Mitch Doust of Cover Genius talked with Karen Webster about how consumers would likely spend more with merchants if insurance was offered at the point of sale.

In this episode, the guys talk through some updates and deadlines, including the December 5 deadline for MFP. Disaster payments, Farm Bill, Upcoming Appraisals and a Fall Sales Season Preview round out Episode 6.Compeer Financial, ACA is an Equal Credit Opportunity Lender and Equal Opportunity Provider. ©2019 All rights reserved.

Consumers may not love checks, but they'll often opt for them in a disbursement setting because they're reliable...if slow. But increasingly, he noted, as customers are becoming more used to digital payment methods and the speed that comes with them - what consumers are increasingly demanding, according to TransCard CEO - is robust optionality so they can chose to be paid just how they want, exactly when the want - and still fill secure that everything will happen smoothly and safely.

Ingo Money CEO Drew Edwards talks about the state of consumer disbursements in the age of digital payments.

Checks, despite their near-extinction in consumer payments, remain alive and well when it comes to corporate B2B payments. TransCard CEO Greg Bloh discusses why.

Flipkart to roll out free delivery loyalty program; US Treasury advocates sandboxes, new fintech rules

Ripple brings on Facebook's Kahina Van Dyke; Supreme court nominee had tens of thousands of dollars in credit card debt

Tax Hacker Tuesday is back to show you how to get tax free disbursements from your 401K! It'd be great to get assets out of your retirement plan in a tax free manner, right? The solution is actually simple - but most of us have been programmed not to like it. Tim Berry shows you how, along with exactly what qualification you should meet to benefit from this strategy. Reap the benefits of tax free disbursements from your 401K with Epic Real Estate and Tim Berry on Tax Hacker Tuesday!

Today, I want to discuss how to assess for your internal controls regime for international operations. It is incumbent that you need to review as much information so you can to understand the financial and operational structure of an entity and how the financial and operation structure outside the US is integrated with the corporate headquarters, or the US business unit’s financial and operation structure, if the foreign operation is part of a US business unit.  You could begin with the Transparency International (TI) Corruption Perceptions Index (CPI) to garner a sense of the reputation of the country in which your business unit is located, as well as the CPI for all other countries in which the location either markets business or has current customers. Another area for inquiry or review is the scope of your operations at a location outside the US. This means you will need to consider your sales model, whether employee based or primarily using third party representatives. You will also need to consider if such third party representatives are coming into a commercial relationship with your company through your supply chain.  Other areas of inquiry should include whether your company’s finance and accounting staff produce financial statements that are integrated into the parent’s financial statements; whether your international business locations utilize a local bank account for local sales receipts as well as funds transfers from the US and whether the account has local check signers and whether dual signatures are required on the checks. You may also want to consider the extent to which local disbursements are made in local currency and, of course, is there a local petty cash fund.  As with many other areas around internal controls, it is important to consider the local Delegation of Authority (DOA) and whether it is consistent with your corporate DOA. Some of the considerations regarding the local DOA should extend to which corporate or US business unit approvals are required for transactions initiated locally, such as: (1) Approval of vendor invoices, (2) Disbursements of funds, including wire transfers; (3) Execution of facilities leases; (4) Execution of contracts with agents; and (5) Approval of pricing and credit terms to customers and distributors. You should also review whether the local DOA provides appropriate segregation of duties at the local business unit level.  You should consider how sales of product are conducted. For example, is an inventory maintained at the local operation for shipment to customers? Are products drop shipped from US directly to the customers of the local operation? Are products drop shipped to distributors for delivery to the ultimate customer?  Hopefully you are already doing the above but you should review what is being done to determine if employees or local contractors who are local nationals have gone through your due diligence process so that they have been properly vetted to determine whether they are government officials in any capacity or are relatives of government officials. Along the lines of a more formal FCPA analysis you should review to see if there has been any investigation of alleged fraud, including FCPA violations, at the location and if so, what were the results of the investigation? In the area of customers, you should review with whom each international location does business to determine the extent to which its current customers are local government entities as well as the extent to which the location is pursuing sales activities for other local government entities.  If there has not been a sufficient assessment of controls, the compliance professional must then decide how to best determine whether the local controls are sufficient to satisfy the requirement of the FCPA and accurately reflect all transactions and prevent concealment of improper transactions. Some of these considerations would be an inadequate segregation of duties because the separation of responsibility for physical custody of an asset from the related record keeping is a critical control. In practice, this means that persons who can authorize purchase orders (Purchasing) should not be capable of processing payments (Accounts Payable). Further, the employee who prepares the deposit should not post the receipts to the customer accounts. You should look to see if there is inappropriate access to assets. If there is internal controls should be created to provide safeguards for physical objects such as inventory and cash, restricted information, critical forms, and update applications. This means that an employee who only needs to view computer information should be restricted to Read and File Scan access and should not be granted Write and Create access. Moreover, controls should prevent the unauthorized removal of resale inventory and movable fixed assets from the premises.  It is not necessary to prove a bribe to have been paid in order to have an enforcement action against a company for violation of the internal controls provisions of the FCPA.  In the SEC enforcement action against Smith & Wesson, that was the situation. It was this lack of effective internal controls, not the payment of a bribe, which was the basis for the civil enforcement action. This means that you should look to make certain the situation is not one of form over substance, where controls can appear to be well designed but still lack substance, as is often the case with required approvals.  Such a situation could arise in several different scenarios. The first is where an account manager's signature attests to the accuracy of the payroll voucher information, but if the account manager does not have assurance that the supporting time records are accurate, the approval process lacks substance. Other examples are where a supervisor who approves expense reports but routinely does not look at the supporting documentation; a Country Manager provides a true control as an approver; or where the Country Manager or the local Finance Manager has ability to conceal the true nature of transactions without detection by anyone else.  Another important area involves sales and compensation for the international business unit in question. On the sales side of the equation, you review the three-year historical sales for the location and what are the budgeted sales for the upcoming year. This can give insight into the relative pressure on employees to grow the business and, accordingly, the possibility of an employee seeing a bribe as a good way to grow the business. The inquiries can lead to questions about compensation such as what is the sales incentive compensation plan for local sales personnel and for the Country Manager; as this inquiry gives insight into the possibility of personal benefit which might result from someone paying a bribe in order to win a contract which results in a large sales incentive compensation to the employee.   All of these reviews, questions, inquiries and analyses are designed to locate the pressure points involved in any company’s sales processes. This is because pressure is a key element of occupational fraud and the risk of fraud, including corruption, increases as the pressure increases. Since corruption is viewed as a subset of fraud, it might be a good time to review the Fraud Triangle, which lays out breeding ground for fraud in the corruption context:  Pressure which has financial implications, whether it be personal financial needs that are unmet or pressure to reach sales goals; Rationalization – a fraud perpetrator always rationalizes that he / she is not a criminal and when committing fraud for personal benefit, the perpetrator intends to repay the money; when committing fraud for company benefit, the perpetrator rationalizes that the company really wants to meet its goals and that the perpetrator’s actions are in furtherance of the company’s goals; and Opportunity – the perpetrator must be in a situation where the internal controls do not prevent the fraud and its necessary concealment.  Three Key Takeaways You must understand the financial and operational structure of your company and how the financial and operation structure outside the US is integrated with the corporate headquarters. Are your financial statements and reporting systems integrated? Always consider the fraud triangle? For more information on how to improve your internal controls management process, visit this month’s sponsor Workiva at workiva.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clay Malcolm elaborates on how you can deploy the money in your self-directed IRA without penalties. In the classroom today, find out how to utilize Traditional, Roth, and self-directed IRAs and when you can and should begin taking disbursements. Do you want to be a real estate investor but need step-by-step guidance to help get you started? The Investor Machine is a 90-day program with training, weekly tasks, bi-weekly group calls, and more! Schedule a free call to discuss your goals today!

Today, Clay Malcolm elaborates on how you can deploy the money in your self-directed IRA without penalties. In the classroom today, find out how to utilize Traditional, Roth, and self-directed IRAs and when you can and should begin taking disbursements. Do you want to be a real estate investor but need step-by-step guidance to help get you started? The Investor Machine is a 90-day program with training, weekly tasks, bi-weekly group calls, and more! Schedule a free call to discuss your goals today!