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torturedwarrior · 4 years

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Albert Fish:

Who exactly is Albert Fish? What made him famous? How many victims did he murder? How did Albert Fish die? Albert Hamilton Fish (May 19, 1870 – January 16, 1936) was an American sado-masochistic serial killer and cannibal. He was also known as the Gray Man, the Werewolf of Wysteria and possibly the Brooklyn Vampire. AKA Albert Fish, Laura Fish, Nepe Fish, Birthday May 19, 1870, Birthplace Washington DC, District of Columbia, United States, Death January 16, 1936, Manner of Death Capital Punishment, Nationality United States Of America, Occupations Prostitute, Serial Killer, Great Person, Male Prostitution, Religion Rejecting The Blood. “Misery leads to crime. I saw so many boys whipped it ruined my mind.”— Albert Fish.

He was delighted that he had "kids in all nations," which places his number near 100, although the question of violence or cannibalization is not obvious, much less as to whether it was real or not. In at least five killings for his career he was a witness. Fisch agreed to three killings and confessed to at least two other individuals attacking investigators might track a suspected crime. He was tried and convicted and hanged by electric chair for abduction and the death of Grace Budd.

Albert Fish’s Early Life:

He was born to Randall Fish (1795-1875) as Hamilton Fish in Washington, D.C. He said he was named after a distant relative, Hamilton Fish. His grandfather was 43 years older than his brother. It had three live siblings: Walter, Joyce, and Edwin Fish. Fish was the youngest child and he was three. After a deceased brother he wanted to be called "Albert," and to avoid the moniker of "Ham and Eggs," provided him in an orphanage where he spent many years in the beginning. Mental illness was suffered by many of his family members and theological mania was felt. His father was a sailor on the river boat, but he was a producer of fertilizers by 1870. The first Fish died in the 1875 Washington, DC, of a heart attack at the Sixth Street Station of the Pennsylvania Railroad. He was hit and kicked regularly, and finally discovered that he was suffering from physical pain. Often the beatings brought him houses that the other children told him about.

His mother was able to look after him and have a government job by 1879. He had however been influenced by his different experiences before this. He began a gay relationship with a telegraph-boy in 1882, when he was 12. Fish also heard about drinking urine and coprophagies in young people. Fish liked to frequent public baths and watch kids get ready and he spent much of his weekends watching them. In 1890, Fish had come to New York City and said he had become a male harlot. He claimed he began raping young boys, even after his mother had negotiated a marriage, a crime that he proceeded to commit. He married his wife in 1898 with a junior aged nine years. The dad: Albert, Mary, Gertrude, Eugene, Charles, and Henry Fish. They had six babies. He was charged on the basis of misappropriation and sentenced to 1903 in Sing jail. He had sex with men frequently during his incarceration. “I have no particular desire to live. I have no particular desire to be killed. It is a matter of indifference to me. I do not think I am altogether right.”— Albert Fish

He served as a house painter in 1898 and said that he kept angry babies, boys mostly under the age of six. Further on, he recalled an instance where a male friend took him to a waxworks museum where Fish became intrigued by a penis bisection, and shortly afterwards he was paranoid regarding castration. Fish tried to castrate him after linking him during a friendship with a mentally disabled man. The guy became terrified and ran. Fish then increased his trips to brothels to taunt and abuse him more often. His wife left him in January 1917 for a handyman, John Straube, who rented the Fish home. Despite this rejection, Fish started hearing voices; for instance, once he was wrapped up in a tapestry and clarified why he followed John the Apostle's orders.

Early attacks and attempted abductions:

It was Fish which perpetrated his first assault in Wilmington, Delaware in 1910 on a child named Thomas Bedden. He eventually murdered a child mentally disabled in Arlington, Washington, D.C., in 1919. Many of his perpetrators would frequently be either mentally impaired or American as they would not be overlooked, he claimed. On 11 July 1924 Fish discovered Beatrice Kiel, eight years of age, playing alone on the Staten Island estate of her father. He gave her money in the neighboring fields to help him hunt the rhubarb. As her mother scared Fish away, she was about to leave the farm. Fish fled but then returned back to the barn of Kiels, where, before Hans Kiel found him, he wanted to sleep and told him to leave.

Previous incarceration:

Fish met "Estella Wilcox," and lived a week in Waterloo, New York, on February 6, 1930. He was held at Bellevue psychiatric hospital between 1930 and 1931 for evaluation, and he was released in May 1930 "because he sent an indecent letter to an African American woman who replied a maid's advertising."

Fish Targets the Handicapped:

Around 1919, Albert Fish started attacking young men who, because he thought that these individuals would be ignored, were intellectually or African American. Fish liked to bribe kids to help him trap other kids so that he could torture and kill them. The proof has been confirmed in any of these murders. Upon his final conviction, Albert Fish made a number of statements. Even if there was no proof, he listed Albert Fish's victims in hundreds. In 1924, Albert Fish developed total insanity. He actually believed, although he has been tested several times by psychologists, that God was ordering him to torture and kill them. In July of that year, Fish met teenage Beatrice Kiel on the estate of her father alone. Her mother heard Fish chuckle and scare him from protecting the 8-year-old girl's life. Fish went back to the farm in Kiel later that night and slept in the stable. Hans Kiel, young Beatrice's parent, spotted him and quickly pursued him. The next move of Albert Fish was targeted at a young boy Cyril Quinn he had annoyed. To draw them into his den, Fish gave the boys lunch. The boys wrested on Fish's pillow, while waiting for sandwiches. Fish's "death weapons" and hammer, handsaw and cleaver were overthrown by the mattress. The boys have run from the house in panic. Again, Fish missed his job of killing and eating a boy. It took Fish up a bit of his playing.

Albert Fish’s Victims:

Francis McDonnel- Francis, age 8, was murdered on July 14, 1924. He had been raped and strangled to death, Emma Richardson- Emma, age 5, was murdered on October 3, 1926, Billy Gaffney- Billy, age 4, was murdered on February 12, 1927. Fish confessed to torturing Billy by whipping him, cutting off his ears and nose and then gouging out his eyes. After Billy was murdered, Fish took home pieces of his body and ate them over the course of 4 days, Grace Budd- Grace, age 10, was murdered on June 3, 1928. Fish confessed to murdering her and then eating her whole body over the course of 9 days, Emil Aalling - Emil, age 4, was murdered on July 13, 1930, Robin Jane Liu- Robin, age 6, was murdered on may 2, 1931, Yetta Abramowitz- Yetta, age 12, was murdered in 1927. Fish was suspected to have murdered Yetta, Mary Ellen O’Connor- Mary, age 16, was murdered on February 15, 1932. Fish was suspected to have murdered Mary, Benjamin Collings- Benjamin, age 17, was murdered on December 15, 1932. Fish was suspected to have murdered Benjamin. “I always had a desire to inflict pain on others and to have others inflict pain on me. I always seemed to enjoy everything that hurt.”- Albert Fish, "What a thrill that will be if I have to die in the electric chair. It will be the supreme thrill. The only one I haven't tried."- Albert Fish.

Trial and Execution:

It is not shocking that Fish is regarded as "the worst child killer in criminal history." The Grace Budd assassination court lasted eleven days. Cod has been found guilty and finally electrically disabled. Fish was said to have helped the boy place electrodes on his leg. There have been reports that the needles implanted by Fish into its body have created a short electric circuit, so it requires twice the normal electricity strikes to complete the job. Since then, these arguments have been dismissed. His lawyer claimed after Fish was killed that he had no words from Fish, just handwritten documents. "Information will never be shown to anyone. The prosecutor refused to read them. It was I have ever seen the filthiest list of obscenities. Until the end of his life, Fish had been a vile human being.

Albert Fish will tend to be one of the greatest abusers of girls in America. Few serial killers, particularly against children, have accomplished the cruelty he is renowned for. It needs to be seen whether Albert Fish was a serial killer at the orphanage. One has to ask if someone so evil as Fish was raised as an assassin or could his conditions transform him into a bad person. Like most serial killers, it's become a little bit of nature and nourishment. While he claims to also have killed thousands of children,' one in every state,' he was only ever found to have killed three. The three killings were so horrific that they solidified Fish's place in history as the worst child killer in all of American history.

Work Cited:

"Best Albert Fish Quotes | Quote Catalog." Quote Catalog. Web. 11 Feb 2020. <http://quotecatalog.com/communicator/albert-fish/>.

Blanco, Juan Ignacio. "Albert Fish | Murderpedia, the encyclopedia of murderers." Murderpedia, the encyclopedia of murderers. Web. 11 Feb 2020. <http://murderpedia.org/male.F/f/fish-albert.htm>.

Phan, Daniel. " Everything You Need To Know About Albert Fish | Serial Killer Shop ." Limited Edition Horror & Serial Killer Shirts – Serial Killer Shop . 18 Mar 2019. Web. 11 Feb 2020. <http://serialkillershop.com/blogs/true-crime/albert-fish>.

Whitney , Heather. "Victims of Albert Fish | The Serial Killers Podcast." The Serial Killers Podcast - A Weekly Podcast on Serial Murder. 1 Jan 2010. Web. 11 Feb 2020. <http://serialkillers.briancombs.net/2962/victims-of-albert-fish/>.

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durfeehtbelloraco98insuranc-blog · 5 years

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jeep car insurance new driver

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ethicsustinvest · 5 years

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PODCAST: Top US ESG Companies, Solar Power Breakthrough, Investing Tip

Top 100 US ESG companies for 2019 by CR Magazine. Profitably invest in harmony with your spiritual or religious ideals. Solar power breakthrough—but investing in solar has its perils. A valuable investing tip that really works. Confused who’s best, Uber or Lyft? An analyst compares them. Vanguard launches actively managed ESD ETF. And more.

PODCAST: Top US ESG Companies, Solar Power Breakthrough, Investing Tip

Transcript & Links May 26, 2019

Hello, Ron Robins here. Welcome to my podcast Ethical & Sustainable Investing News to Profit By! for May 26, 2019. Presented by Investing for the Soul. investingforthesoul.com is your site for vital global ethical and sustainable investment resources.

Now to this podcast. And for any terms that are unfamiliar to you, simply Google them!

Also, you can find a full transcript, live links and often bonus material at my podcast page located at investingforthesoul.com/podcasts

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The first item to discuss is CR Magazine's 100 Best Corporate Citizens of 2019! CR Magazine reviewed 1,000 US companies for their ESG practices. Robbie Lock, a writer for 3BL Association, commenting on the research results wrote that “Owens Corning tops the ranking, followed by Intel, General Mills, Campbell Soup and HP Inc… Twenty-seven companies are new to the ranking in 2019 including Allstate, Delta Airlines and Mondelez International. Biggest gainers include Ball Corp., CBRE, Ford and Xylem, Inc.”

Mr. Lock provides further clarification as to how CR Magazine obtains the rankings. Quoting him again, he says, ”The 100 Best Corporate Citizens ranking uses 134 total corporate disclosure and performance factors in seven categories: climate change, employee relations, environment, finance, governance, human rights, and stakeholders and society.”

Also, that the, “There is no fee for companies to be assessed. To compile this ranking, information is obtained from publicly available resources only, rather than questionnaires or company submissions. Companies have the option to verify data collected for the ranking at no cost.” Close quote.

I like the idea that companies don’t pay to be included in the research and the data compiled is from publicly available sources.

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The 100 Best Corporate Citizens demonstrate various degrees of above average corporate ethics, and ethics is a central theme for those wanting to apply their spiritual or religious beliefs to investing. If you’re interested in applying spiritual or religious values to investing, Meredith Jones just published in MarketWatch a post that could be of interest to you. It’s titled, “Opinion: When your faith guides your investing decisions, can you still beat the stock market?” And she says the answer can be yes.

Ms. Jones reviews the leading ETFs and mutual funds for investors interested in Catholic, Jewish, Muslim, and Christian-Bible related ethics and principles.

For Catholics, she likes the Global X S&P 500 Catholic Values ETF, LKCM Aquinas Catholic Equity Fund, and the Ave Maria group of funds.

For those of Jewish persuasion, she says there’s only one for now and that’s the AMIDEX35 Israel Mutual Fund which invests in Israeli companies.

For Muslims, there’s the Imam Fund IMANX the Amana group of funds and ETFs listed on the London Stock Exchange including iShares MSCI World Islamic ETF ISWD and the iShares MSCI USA Islamic ETF ISUS.

And under the umbrella of Christian-Bible offerings, Ms. Jones reviews the Timothy Plan and Guidestone family of funds.

For links to these funds go to my podcast page for this edition at investingforthesoul.com/podcasts.

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In my last podcast, I introduced the research of Tim Nash at Corporate Knights. Well, he’s produced another research report that compares the pros and cons of investing in Uber or Lyft. You can read his full post under the title of Tim Nash’s sustainable stock showdown: Uber vs. Lyft.

Personally, I’m not keen on either company because I believe competition—not just between them but also other entrants including potentially motor vehicle manufacturers themselves—will force them to keep user prices low which will continue to severely restrict profits. Also, their environmental benefits are overplayed as I mentioned in my podcast of April 12.

Anyhow, this is what Mr. Nash says in conclusion, “I’d put Lyft ahead by a headlight in this week’s Sustainability Stock Showdown, but anyone that’s interested in investing in either stock should be ready to fasten their seat belts and brace for a bumpy ride.”

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One big area that I know might interest you is renewable energy. I have several items of news and information that I want to share with you concerning investing in this area.

The first thing you should know is that developments in new products are almost overwhelming. This industry has numerous innovative players and it’s very difficult to know who will eventually be a leader. Sure, you can buy renewable energy ETFs—and a good read on what to buy is an article that appeared recently on Nasdaq, titled, 5 Clean Energy ETFs to Buy for 2019.

But if you’re interested in individual companies, here’s what I’ve seen in the past two weeks.

The New York Times ran an excellent piece reviewing a Danish company called Orsted. They produce massive offshore wind turbines whose energy costs are rapidly declining while already being highly competitive with new natural-gas fired plants.

In solar power, there’s been a tremendous breakthrough in producing new solar panels that appear to be 20-25% more efficient than the best existing panels. A paper outlining the breakthrough appeared in ScienceDaily under the title, Breakthrough in new material to harness solar power. Who will manufacture, market and install such panels wasn’t mentioned.

Incidentally, these panels do have a downside—they contain some lead. I’m sure testing in rainy and humid environments will be needed and manufacturing processes and end-of-life disposal policies will be needed too, considering that most countries will want assurance about the safe removal of lead.

I did a detailed study on solar panel manufacturers a few years ago and discovered that the manufacturing processes themselves can be highly toxic. Furthermore, most countries had no end-of-life policies in place to deal with the safe disposal of the toxic components of solar panels—and that is deeply concerning!

It’s possible that the companies engaged in the manufacturing, marketing and installation of solar panels could at some point be hit with levies or fines in dealing with these issues.

At the time of my research, I was most impressed with SunPower and its environmental efforts.

So, one thing you might want to find out before investing in solar panel manufacturers is how they perform environmentally. A great resource for this is the Solar Power Scorecard produced by the Silicon Valley Toxics Coalition. However, their last scorecard is a little dated and I’m hoping to see their new one soon.

Incidentally, Fox Business just reported on the huge growth of solar panel installation in the US in a post, titled, 2 Million U.S. Solar Installations Are Just the Start.

By the way, a tip for checking how investment analysts rate solar companies—or any companies for that matter—is simply to type into Google Search the name of the company followed by Reuters—the name of the media company—after it. Click search and then click the search item that says the company name and the text Reuters quote. Reuters will then bring-up a research report. Click on analysts in the links bar and you can see how analysts rate the stock of the company you’re researching.

By getting the information on how analysts rate the companies you’re interested in can be terrifically helpful in deciding which companies to invest in. It saves you a lot of time and effort. And this is exactly the kind of tip and help you get in my DIY Ethical-Sustainable Investing Pays Tutorial! This tutorial will be the most worthwhile 1-hour you’ll ever spend getting help with your investments!

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Some other exciting new developments that might interest you are the following.

Vanguard, one of the world’s largest fund companies, has launched its first actively managed ESG ETF, called the Global ESG Select Stock Fund (ticker VEIGX). It will officially begin trading on June 4. This is big as ETFs are mostly ‘passively’ managed, that is they pick a group of stocks typically based on an index, whereas active management means selling and buying different stocks as the managers see fit. In recent years passive investing has usually outperformed active investing. However, who knows what the future will bring.

Also, S&P Dow Jones, who have had ESG indices for many years is launching something new. They are launching ESG global indexes based on core regional and country benchmarks. What is especially interesting is that these indexes, and quoting their press release, provide “a return profile that's consistent with mainstream benchmarks that have been widely followed for years.”

As an aside, what you can do, where possible, is to review the indexes that interest you and see what companies are included in them. You can often get useful ideas for new companies to look at!

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So, these are my top news stories and tips for ethical and sustainable investors over the past two weeks.

Again, to get all the links or to read the transcript of this podcast and sometimes get additional information too, please go to investingforthesoul.com/podcasts and look for this edition.

And be sure to click the like and subscribe buttons in iTunes or wherever you listen to this podcast. That way you can help promote not only this podcast but ethical and sustainable investing globally.

And remember, I’m here to help you grow in your investment success—and investing in opportunities that reflect your personal values!

Please don’t hesitate to contact me if you have any questions about the content of this podcast or anything else investment related. I can’t say I’ll have all the answers for you and some answers I can’t give due to licensing restrictions. But where I can help I will.

Now, a big thank you for listening—and please click the share buttons to share this podcast with your friends and family.

Come again! My next podcast is scheduled for June 7. Bye for now!

Check out this episode!

#business #finance #ethical investing #sustainable investing #ESG #SRI #green bonds #socially responsible investing

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newsfact · 3 years

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McAuliffe in 2019: ‘Diversity, inclusion’ are ‘as important as’ math and English in schools

Virginia Democratic gubernatorial candidate Terry McAuliffe’s remarks about “diversity” and “inclusion” in schools, which he made in 2019, have resurfaced in the pivotal lead-up to Election Day on Nov. 2.

Education has emerged as a key issue in the race, with parents raising concerns about critical race theory, COVID-19 restrictions and transgender issues at tense school board meetings in Northern Virginia.

“We don’t do a good job in our education system talking about diversity, inclusion, openness and so forth,” McAuliffe said on C-SPAN Book TV while promoting his book “Beyond Charlottesville: Taking a Stand Against White Nationalism” in 2019. “We don’t. We got our textbooks, but, you know, that has to be a big part of how do you fit into the social work of our nation and our fabric. How we deal with one another is to me as important as, you know, your math class or your English class and so forth.”

HOW TO VOTE IN THE VIRGINIA GUBERNATORIAL ELECTION ON NOVEMBER 2

Parents in Loudoun County and Fairfax County have condemned some programs launched in the name of “diversity” and “inclusion,” saying that the programs promote critical race theory, a framework that involves deconstructing aspects of society to discover “systemic racism” beneath the surface. Some parents have called CRT divisive, claiming it encourages white students to view themselves as oppressors. Youngkin has pledged to ban CRT in education if he wins the rac

Opponents of the academic doctrine known as Critical Race Theory protest outside of the Loudoun County School Board headquarters, in Ashburn, Virginia, June 22, 2021. (REUTERS/Evelyn Hockstein)

“Terry McAuliffe introduced political agendas like critical race theory into the Virginia education system back in 2015. He lowered academic standards and dragged our children’s math and reading performances down with those diminished expectations,” Youngkin spokesperson Macaulay Porter told Fox News on Monday.

Youngkin has repeatedly cited alarming figures from the U.S. Department of Education’s National Assessment of Education Progress, which found that 62% of Virginia students failed to meet proficiency standards on eighth grade math, while nearly 60% of students failed to meet national proficiency standards in fourth grade reading.

YOUNGKIN VOWS TO HOLD LOUDOUN COUNTY OFFICIALS RESPONSIBLE AFTER ALLEGED SEXUAL ASSAULTS

Virginians gather to support Glenn Youngkin (Tyler O’Neil/Fox News)

In a September debate, McAuliffe said, “I don’t think parents should be telling schools what they should teach.” McAuliffe has accused Youngkin of taking the quote out of context, but Youngkin’s campaign released an ad showing McAuliffe standing by the statement.

Nicole Neily, president and founder of Parents Defending Education and a Virginia mother, warned that too much focus on diversity and inclusion programs distracts from the “core curriculum.”

YOUNGKIN CAMPAIGN AD USES MCAULIFFE’S WORDS TO SHOWCASE HIS STANCE AGAINST PARENTS INFLUENCING SCHOOLS

“It’s abundantly clear that parents are concerned about the quality of education — Virginia recently posted staggering learning loss numbers over the course of the pandemic, which compounds the already abysmal proficiency rates in the state,” Neily told Fox News.

“When schools obsessively focus on DEI initiatives, that’s time and resources that are not being spent on core curriculum,” she added.

Glenn Youngkin addresses the crowd in Burke, Va. (Tyler O’Neil/Fox News)

McAuliffe’s campaign did not respond to Fox News’ request for comment by press time. However, the Democratic Party of Virginia did release a statement condemning Youngkin.

CLICK HERE TO GET THE FOX NEWS APP

“Unlike Glenn Youngkin — who has based his entire campaign on racist dog whistles and divisive conspiracy theories — Terry McAuliffe knows that keeping Virginia open and welcoming is essential to building a better future for the commonwealth,” spokesman Manuel Bonder told Fox News.

McAuliffe has called concerns about CRT a “dog whistle” in the past.

“Virginians have rejected hateful right-wing politicians time and time again,” he said. “This November, they’ll reject Youngkin –– just like they rejected his allies Donald Trump and Corey Stewart.”

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newsliveupdates · 3 years

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Paytm to issue fresh equity shares worth ₹12,000 cr in run-up to IPO

One97 Communications Ltd, the parent company which owns Paytm brand, intends to issue fresh equity shares worth ₹12,000 crore, for its primary fund raise, ahead of its much-awaited initial public offering (IPO), planned around November-end this year.

Among other proposals, Paytm founder Vijay Shekhar Sharma is also expected to be declassified from his status as ‘promoter’ of the company, in accordance with public listing rules set out by markets regulator, Securities and Exchange Board of India (Sebi).

The proposal, among others, will be put to vote at the company’s extra-ordinary general meeting to be held on 12 July, the company informed through a notice to shareholders Friday afternoon.

“The company proposes to create, offer, issue and allot fresh equity shares of face value of ₹1 each of the company (the “Equity Shares") up to an aggregate of ₹12,000 crore […] The proposed offering is likely to include a fresh issue of the equity shares by the company and an offer for sale by certain, existing shareholders of the company," Paytm said as a part of the notice to shareholders.

One97 Communications’ board of directors approved the offers in a meeting held on 14 June. During the same meeting, the company’s board also finalized JPMorgan Chase & Co., Goldman Sachs, Morgan Stanley and ICICI Securities Ltd, as bankers or lead book running managers to the IPO.

Mint first reported on 31 May that the company was looking to raise $1 billion to $1.5 billion, through fresh issue of shares, for its primary fund raise from qualified institutional buyers (QIBs). With the primary and secondary allotment of shares, the company would be looking to undertake a share sale worth a little over $3 billion during its IPO, one individual aware of the discussion told Mint on condition of anonymity.

“The recent issue of fresh shares will be done solely with the purpose of infusing primary capital in the company. There will be a secondary offer as well where existing investors would offer their shares," said the person quoted above.

The company at present has 1,000 shareholders, broadly held by various institutional investors, employees, former-employees and other third parties. Sharma will continue in his role as managing director of the entity, after being declassified as ‘promoter’ of One97 Communications.

During a public issue by an unlisted company, Sebi requires promoters to have at least 20% of the post issue capital. Currently, Sharma holds 9,051,624 equity shares of One97 Communications Ltd, amounting to 14.61% of the total paid-up equity share capital, the notice to shareholders said.

“The board of directors has received a letter from the founder (Vijay Shekhar Sharma), on declassification of his status as promoter of the company [...] the founder does not exercise any control over the affairs of the company and that the board is not accustomed to act solely in accordance with any advice, directions or instructions given by him. The involvement of the founder in the management and affairs of the company is limited to his professional capacity as an executive director and currently as managing director," read the letter to shareholders Friday.

Paytm could not be immediately reached out for a comment.

Paytm’s other proposal to shareholders also includes amendments to One97 Employee Stock Option Scheme 2019 and its Employee Stock Option Scheme 2008, to comply with Sebi’s listing rules. “The amendment in the ESOP scheme could be cosmetic changes to comply with Sebi rules. Grant price and vesting period and pool size are expected to remain unchanged," said the above individual quoted above.

One97 Communications is also expected to extend ₹743 crore funding to two companies owned by founder Vijay Shekhar Sharma including VSS Holdings Pvt. Ltd and VSS Investco Pvt. Ltd, ahead of its IPO, Mint has reported earlier.

One97 Communications saw its consolidated revenues shrink by 11% to ₹3186.8 crore for fiscal year 2020 -2021 (FY21) compared to ₹3540.77 crore in FY20, according to the company’s annual report. It also cut losses by 42% to ₹1701 crore in FY21, on a consolidated basis. For FY20, the company had cut losses by 30% to ₹2942.3 crore.

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planify · 3 years

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Martin and Harris Laboratories Pre IPO-Share

Discover and get info Martin and Harris Laboratories Pre IPO-Share, Martin and Harris Laboratories Unlisted shares, and Delisted Share Stock before buying, selling, or investing. In this blog you will get to know about Martin and Harris Laboratories Complete Review, Analysis, Products, Strengths, Financials & Valuations, Promoters, latest News, and estimated returns.

About Company:

· Martin & Harris Laboratories Ltd incorporated in 1996 at Gurgaon, Haryana is a part of “Apeejay Group”, India’s oldest and largest business conglomerates.

· Martin & Harris Laboratories Ltd is engaged in manufacturing of Pharmaceutical, medicinal chemical & botanical products. Besides the core business, it was undertakes management of its funds through investment in different avenues fetching good returns i.e mutual funds, equity –quoted & unquoted, etc.

· Mrs. Sushma Paul Berliais one of the co-promoters and president of Apeejay Stya & Svran Group. Martin & Harris Laboratories Ltd is promoted by her. She is a leading woman entrepreneur and industrialist of the country.

· She is also a Chairman of the Apeejay Education Society, CoFounder & Chancellor of Apeejay Stya University and Chairman of Apeejay Stya Education Research Foundation.

· She is currently also the Member of Board, Ministry of Micro, and Small & Medium Enterprise under Government of India.

· The company has its units located at Roorkee and UNA Himachal Pradesh. It is constantly taking steps to modernize and expand its manufacturing units to meet the international standards

Products and Services:

· Pharmaceutical Products

· Bulk Drugs

· Medicine (Allopathic)

· Clopidogrel

· Nicorandil

· Losartan Potassium

· Metoprolol Tartrate

Industry overview:

· Indian pharmaceutical sector supplies over 50 per cent of the global demand for various vaccines, 40 per cent of the generic demand for US and 25 per cent of all medicines for UK. India contributes the second largest share of pharmaceutical and biotech workforce in the world. India’s domestic pharmaceutical market turnover reached ₹ 1.4 lakh Cr. in 2019, up 9.8 per cent y-o-y from ₹ 1.29 lakh crore in 2018. In May 2020, pharmaceutical sales grew 9 per cent y-o-y to ₹ 10,342 Cr.

· During December 2019, on moving annual total (MAT) basis, industry growth was at 9.8 per cent, with price growth at 5.3 per cent, new product growth at 2.7 per cent, while volume growth at two per cent y-o-y.

· Indian pharmaceutical industry’s export to the US will get a boost as branded drugs worth US$ 55 billion will become offpatent during 2017-2019.

· Medicine spending in India is projected to grow 9-12 per cent over the next five years, leading India to become one of the top 10 countries in terms of medicine spending.

· India's biotechnology industry comprising biopharmaceuticals, bio-services, bio-agriculture, bio-industry, and bioinformatics is expected grow at an average growth rate of around 30 per cent a y-o-y to reach US$ 100 billion by 2025.

· Book Martin and Harris shares from Planify.

Government Initiatives in India:

· The Union Cabinet has given its nod for 100% FDI in the pharmaceutical sector under the automatic route for manufacturing of medical devices subject to certain conditions.

· India plans to set up a nearly ₹ 1 lakh Cr. fund to provide boost to companies to manufacture pharmaceutical ingredients domestically by 2023.

· Penetration of health insurance is expected to more than double with over 650 million people to be covered by 2020. Increasing penetration of health insurance is likely to be driven by government-sponsored initiatives such as RSBY and ESIC.

Strengths:

· During the financial year 2018-19, company’s Profit after tax is ₹ 289.90 Cr. as against ₹ 173.38 Cr. in year previous year recording a growth of 67.21%.

· Martin enjoys High EBITDA & PAT margin compared to its listed peers.

· Martin also depicts high CAGR growth in total income compared to peers over the period of 4 years.

· Debt/ Equity ratio is lowest and Asset Turnover ratio is higher compared to peers.

· Company’s EBITDA been increasing at a CAGR of 36.60% from 2016 to 2019.

· Martin & Harris Laboratories Ltd. Has higher ROCE Ratio. Company’s ROCE Ratio is 34.35% v/s Industry Average ROCE is 21.44%.

· Company’s Operating profit has been increasing at a CAGR of 37.73 % from 2016 to 2019.

Planify View:

· Rating – 5/5

· Recommendation – Strong Buy

· Based on cost efficiency, various economic drivers worldwide, policy supports i.e various healthcare schemes by government and increasing investment in pharma sector along with strong financial growth performance of the company we recommend to buy the share of the company.

· Contact Planify to know about the Martin and Harris Laboratories share price .

Want to buy Martin & Harris Laboratories Pre IPO-Shares, Unlisted Shares, and De-Listed Shares?

Come right to us!

• Mail Us On — [email protected]

• Or Call Us On — (+91) 706–556–0002

#martinandharrislaboratorieslimited #martinandharrislaboratorieslimitedpreipo #martinandharrislaboratorieslimitedipo #martinandharrislaboratorieslimitedunlistedshares #martinandharrislaboratorieslimitedshares #martinandharrislaboratorieslimitedshareprice

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khalilhumam · 4 years

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Federal bloat is at a sixty-year high

New Post has been published on http://khalilhumam.com/federal-bloat-is-at-a-sixty-year-high/

Federal bloat is at a sixty-year high

By Paul C. Light Donald Trump broke almost every norm in filling many of the government’s top jobs. He left appointee posts (some of them atop cabinet departments) empty in favor of the acting appointees who gave him more speed and flexibility, removed seasoned professionals who questioned his decisions, and oversaw the largest expansion of the senior hierarchy in recent history. He also set a modern record for what Kathryn Dunn Tenpas calls “A-Team” turnover in the White House.[1] Yet, even as Trump undermined the appointments process, he showed little interest in confronting the bureaucratic bloat he criticized repeatedly during the campaign. “You know we have so many people in government, even me, I look at some of the jobs and it’s people over people over people,” he told the Washington Post’s Chris Cillizza only a month into his presidency. “There are hundreds and hundreds of jobs that are totally unnecessary jobs.” Instead of attacking the bloat, Trump spent his first term adding new layers to the hierarchy and adding more leaders to each layer.[2] Like branches on a tree, new layers increased the height of government, while new leaders expanded its width. Absent strong oversight and aggressive trimming, this hierarchy grows naturally as Congress creates new positions in the appropriations process, presidents deploy their support staff, civil servants move steadily upward, and new titles such as “chief of staff” become de rigueur.[3] Figures 1 and 2 show the incremental growth in the number of layers and leaders between the fall of 1992 and summer of 2020. Figure 1 Figure 2 Readers should note that departments and agencies vary in the number of layers and leaders. As the appendices accompanying this post show, the Defense Department had many more leaders than Homeland Security, but fewer layers between the top and bottom of the executive hierarchy, perhaps because of pressure to maintain a shorter chain of command.[4] Despite variations based on agency employment and budget, the number of layers and leaders across government tends to even out over time as new titles spread. According to the sociological theory of “institutional isomorphism,” organizations that face similar pressures tend to adopt similar structures, which is exactly how the federal government looks.[5] Only one cabinet secretary had a chief of staff in 1981, for example, but all 15 had one in 2020; only one chief of staff to a secretary had a deputy chief of staff in 1981, but 14 had one in 2020.[6] Trump may have been right in March 2017 that there was “duplication and redundancy everywhere” and “billions and billions” in waste just waiting to be streamlined home to taxpayers, but showed little interest an aggressive trimming. Trump’s budget office did produce 32 reorganization plans in 2018 that might have saved money, but none received a congressional hearing in part because they were linked to federal personnel cuts and vague promises of employee “reskilling” and in part because the new Democratic House majority (starting in January 2019) had no interest in trimming either.[7] COVID-19 showed just how far Americans must go to find accountability in the federal hierarchy. Healthcare heroes waiting for personal protective equipment faced 18 layers between the top of the Department of Health and Human Services and the PPE at the Strategic National Stockpile. Small businesses waiting for Paycheck Protection support faced 16 layers between the top of the Treasury Department and the Small Business Administration’s program office, and families with loved ones in skilled nursing facilities faced 19 layers between the top of the Department of Health and Human Services and the division of nursing homes at the Centers for Medicare and Medicaid Services. The rest of the inventory can be found in the appendices attached to this post.[8] Presidents also play a role in thickening through politicization, but Trump has yet to develop a strategy for leveraging such authority. He has taken much longer than Obama to fill his top jobs and has fomented turmoil at every turn in the vetting process. Obama started his first term with similar missteps, but eventually learned the system in time to take full advantage of the Senate’s 2012 decision to release 163 presidential appointments from its delay-ridden confirmation process. Obama moved quickly to fill 158 of the posts and eventually raised the numbers of noncareer senior executives’ lower-level confidential assistants.[9] Although the new appointments barely made a dent in the total thickening during his second term, Trump would have been wise to follow the lead. The true cost of this thickening is not just in the missed signals that might have prevented an accident or failure. It is also in the lost communication that might have created a great achievement. As every preschooler knows, games of telephone and gossip always distort the message no matter which direction the whispers go. The games go badly for government, too, but are more artfully labeled as failures of imagination.

[1] Kathryn Dunn Tenpas, “Tracking turnover in the Trump administration,” Government Studies, Brookings Institution, September, 2020, https://www.brookings.edu/research/tracking-turnover-in-the-trump-administration/. See also James P. Pfiffner, “Donald Trump and the Norms of the Presidency,” Paper prepared for delivery at the Annual Meeting of the American Political Science Association, September 9-13, 2020. [2] The figures discussed in this post are based on hand-coding of the federal government Yellow Books/Leadership Directories published in print by Monitor Publishing from the 1960s-1980s, Leadership Directories also in print from the 1990s to 2018, and by Leadership Connect online starting in 2019. The 2020 analysis was completed in July, 2020. Readers are cautioned that the shift from print to online may have given Leadership Connect the cyber-space to add more names to its inventory. Although the additional space could help explain the large increase in number of leaders during Trump’s first term in office, the number of layers would be unaffected and the overall thickening would remain. This analysis is restricted solely to layers within the Executive Levels I-V of the federal hierarchy. Because many titles carry specific references to a unit such as the Food and Drug Administration or function such as Assistant Secretary for Logistics, the titles presented here are equivalents to a specific Executive Level I-V such as Secretary, Deputy Secretary, and on down the chain of command. I am particularly grateful to Gabrielle Gallo for her perseverance in searching the federal phonebooks for additions, subtractions, and innovations in federal titles. It is a particularly difficult research task that has grown more difficult with every update. [3] Figure 3 combines the number of layers in each year with the number of occupants per layer and the total number of occupants overall. Trump had the largest number of layers (83), leaders (4,886), and the second largest number of leaders per layer (59), which gives him the second largest balloon on the chart and the highest position on the grid. Clinton had the largest balloon with 73 leaders per layer, but was far behind Trump overall. [4] See: APPENDIX TABLE 1: LAYERS AND LEADERS BY DEPARTMENT, 2020. Appendices available here. [5] Paul J. DiMaggio and Walter W. Powell, “The Iron Cage Revisited: Institutional Isomorphism and Collective Rationality in Organizational Fields,” in Powell and DiMaggio, eds., The New Institutionalism in Organizational Analysis (Chicago: University of Chicago Press, 1991), pp. 60‒79, quoted at pp. 63‒64, 67. [6] See: APPENDIX TABLE 2: FEDERAL GOVERNMENT TITLES IN USE, SUMMER 2020. Appendices available here. [7] For a summary of the 32 plans, see Harry B. Hogue, and Clinton T. Bass, ”Trump Administration Reform and Reorganization Plan: Discussion of 35 ‘Government-Wide’ Proposals, Library of Congress, Congressional Research Service, July 25, 2018, https://fas.org/sgp/crs/misc/reform.pdf [8] See: APPENDIX TABLE 3: LAYERS AT THE TOP OF AGENCIES ENGAGED IN THE COVID-19 CRISIS. Appendices available here. [9] See: APPENDIX TABLE 4: THE PRESIDENTIAL APPOINTEE COUNT, 1992-2020. Appendices available here.

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swedna · 4 years

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The media and entertainment sector, which was badly hit due to the disruptions caused by the COVID-19 pandemic, is expected to rebound to touch a revenue of Rs 1,86,600 crore in 2021-22, due to acceleration of digital adoption among users across geographies, according to a report. The sector should recover and post a 33 per cent growth in 2021-22, following a contraction of 20 per cent in 2020-21, which still implies a loss of around two years of growth, said KPMG in India Partner and Head (Media and Entertainment) Girish Menon. He was quoting the KPMG Media and Entertainment (M&E) report, 'A year off script: Time for resilience', which examines the performance of the M&E sector during a particularly challenging period. The two areas that offer encouragement are the continued economic growth of India and the universal acceleration of digital adoption among users across geographies, he said. "As per our revised estimates, India could be home to a billion digital users by 2028 rather than the earlier projected 2030 timeline," he added. Menon added that there have been several structural changes to digital behaviour on account of the experience of the lockdown resulting in a new homogeneity among users. "It is our belief that many of these changes will translate into a more democratic and sophisticated digital citizen within the country." According to the report, the overall revenue of the sector during 2019-20 stood at Rs 1,75,100 crore that is expected to contract to Rs 1,40,200 crore during the current financial year and recover to Rs 1,86,600 crore in 2021-22. There will be a deeper integration of digital technology across the M&E value chain from content production to distribution. Technology adoption could, however, face some challenges in terms of skill development and the shift to a digital-first mindset but will result in operational cost savings and potentially lower lead times over the longer term, Menon said. India was already experiencing a slowdown in economic activity even prior to the outbreak of COVID-19 in March, and the onset of the global pandemic and ensuing lockdown dealt a severe blow to the Indian economy, the report said. The M&E sector has been affected but to varying degrees like the outdoor entertainment formats (films and events), and traditional media (print and TV to some extent) have been badly impacted as people stayed indoors and advertising spends dried up, it said. Digital advertising, over-the-top (OTT) and gaming fared much better, with massive spikes in digital consumption during the lockdown across geographies and socio-economic classes, it said. The digital advertising spends are now set to overtake those on TV by 2020-21, which is an important milestone and turning point in the evolution of media and entertainment in India, the report said. "The distinction among segments of M&E has become more pronounced with the lockdown. Marketing spend has moved perceptibly towards digital media and away from traditional segments like print, radio and to some extent TV," KPMG in IndiaPartner and Head (Technology, Media and Telecom) Satya Easwaran added. Easwaran added that a greater reliance on subscription and other paid options as well as the development of a credible digital business model are going to be inevitable for these traditional media segments. (Only the headline and picture of this report may have been reworked by the Business Standard staff; the rest of the content is auto-generated from a syndicated feed.)

#COVID-19

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jimmiejcrochet · 5 years

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LTCG Tax on Equity – Taxing Genuine Investors instead of catching and penalizing Tax Evaders/Money Launderers.

This seems a very late post on the LTCG Tax which was introduced in the 2018 budget but our digging started post the Tax Proposals in 2019 budget.

The Super Rich Tax of 12000 cr is a very small number in the whole Budget. We may be losing the plot in taxation.

“The Tax Department job is to maximize Revenue and not morally decide which form of Income is Noble. Being morally and socially right but losing Tax Revenues is a double whammy.”

Disclosure – The post is purely based on public data.

Taxing Genuine Investors to get a best case 3000-5000 cr of Tax Revenue and Losing 15 lakh crore Market Cap but not catching and penalizing Tax Evaders/Money Launderers does not seem Morally or Revenue Right.

Read the post below for the details.

The pdf can be read here -

http://www.nooreshtech.co.in/wp-content/uploads/2019/07/LTCG-Tax-on-Equity-Taxing-Genuine-Investors-instead-of-catching-and-penalizing-Tax-Evaders-Money-Launderers.pdf

Ltcg tax on equity taxing genuine investors instead of catching and penalizing tax evaders, money launderers from Nooresh Merani

The Long Form Post

Starting with the Budget Speech of 2018

Rationalisation of Long Term Capital Gains (LTCG)

155. Madam Speaker, currently, long term capital gains arising from transfer of listed equity shares, units of equity oriented fund and unit of a business trust are exempt from tax. With the reforms introduced by the Government and incentives given so far, the equity market has become buoyant. The total amount of exempted capital gains from listed shares and units is around `3,67,000 crores as per returns filed for A.Y.17-18. Major part of this gain has accrued to corporates and LLPs. This has also created a bias against manufacturing, leading to more business surpluses being invested in financial assets. The return on investment in equity is already quite attractive even without tax exemption. There is therefore a strong case for bringing long term capital gains from listed equities in the tax net. However, recognising the fact that vibrant equity market is essential for economic growth, I propose only a modest change in the present regime. I propose to tax such long term capital gains exceeding `1 lakh at the rate of 10% without allowing the benefit of any indexation. However, all gains up to 31st January, 2018 will be grandfathered. For example, if an equity share is purchased six months before 31st January, 2018 at `100/- and the highest price quoted on 31st January, 2018 in respect of this share is `120/-, there will be no tax on the gain of `20/- if this share is sold after one year from the date of purchase. However, any gain in excess of `20 earned after 31st January, 2018 will be taxed at 10% if this share is sold after 31st July, 2018. The gains from equity share held up to one year will remain short term capital gain and will continue to be taxed at the rate of 15%. Further, I also propose to introduce a tax on distributed income by equity oriented mutual fund at the rate of 10%. This will provide level playing field across growth oriented funds and dividend distributing funds. In view of grandfathering, this change in capital gain tax will bring marginal revenue gain of about `20,000 crores in the first year. The revenues in subsequent years may be more.

Finance Minister explaining LTCG on IndiaTV

Video on ET Now – Finance Minister explaining for LTCG

Keeping low taxes when we need money for Social Schemes !!

Clarification by Finance Secretary

Finance Secretary – Commentary on why Markets fell on Budget

Finance Secretary – 20k crores in 2019 and 40k crores in 2020.

The Big Statement is

3.67 Lakh Crores of Exempted LTCG Tax and 20k crores expected in tax revenue in 2019 and 40k crores in 2020.

The data by Direct Taxes as per Income Tax of India Website.

Data Source - https://www.incometaxindia.gov.in/Pages/Direct-Taxes-Data.aspx (This data made public from April 2016.)

The Budget came out in February 2018. Till that time the data for A.Y 2017-2018 was not available. The last available data would be till A.Y 2016-2017.

All Tax Payers – Range of Long Term Capital Gains Tax

Assesment Year

Long Term Capital Gains ( cr )

2012-2013

80622

2013-2014

49154

2014-2015

64521

2015-2016

84850

2016-2017

94356

Total

373503

The earlier version of LTCG Tax for Assesment Year 2012-2013 mentions a number of 70,121 cr instead of 80,622 cr.

This also totals down to 3,63,002 cr.

So sum total for 5 years comes in the range of 3.63 cr to 3.73 lakh cr

LTCG Tax is applicable across various asset classes but only Equity was exempt from taxation.

Let us consider the Government had the data for Assessment Year 2017-2018 (implying tax revenue for FY 2017).

This number as per the website is 1.33 lakh crores also does not match the 3.67 lakh crores mentioned in the Budget.

Adding up the last 5 years from A.Y 2012-2013 to A.Y 2016-2017 the number comes to 3.63 – 3.73 lakh cr. This is the only way the numbers match!!

What does this mean?

The data on Income Tax India website for Long Term Capital Gains is only for other asset classes which are taxed

Or the budget used a cumulative data of 5 years and mentioned it as 1 year?

Or the data used in the budget for Long Term Capital Gains for Equity is from the Income Tax and other agencies but it is not available on any public website.

Assuming that the data is not available for LTCG exemption every year we can only try to invert and check if the future estimates of 20k and 40k crores yearly collection from LTCG is possible or not.

We also try to invert the 3.67 lakh crores number.

Invert , Invert , Invert !!

Part 1 – LTCG – Can it generate 20000 cr or 40000 cr in near Future ?

One way to check would be if the Budget has the Long Term Capital Gains Tax revenue number as Real Estate, Debt Funds, Gold are not exempted. But the Budget document does not have this bifurcation.

The other way would be to see Performance of Benchmark Index , Total Market Capitalization, Trading Volumes, Shareholding etc.

How much LTCG Tax can the government get ?

As per the statements of FM and Finance Secretary the expectation was 20,000 cr in 1st year and 40,000 cr in 2nd year.

LTCG Revenue doesn’t add up. ( Pictoral Explanation.)

LTCG Revenue doesn’t add up. ( Detailed Explanation.)

Total Turnover of BSE + NSE

Year

Total Turnover( BSE + NSE ) cr

Del Turnover @ 40%

Market Cap ( Cr )

2018-2019

93,64,707

37,45,883

1,50,43,275

2017-2018

83,17,794

33,27,118

1,40,44,152

2016-2017

60,54,174

24,21,669

1,19,78,421

2015-2016

49,77,072

19,90,829

93,10,471

2014-2015

51,84,499

20,73,800

99,30,122

2013-2014

33,30,152

13,32,061

72,77,720

The 10 year average delivery volume is around 40% so taking that number. (It hit 35% in 2019)

LTCG Tax

LTCG transaction will have Acquisition/Grandfather Value + Capital Gain = Sell Value.

Acquisition Value could be say from Grandfathering date or buying post Feb 2018.

GF Value ( cr)

Selling Value ( cr )

%ge Move

Capital Gains ( cr )

Tax ( cr )

10,00,000

1100000

10%

1,00,000

10000

10,00,000

1200000

20%

2,00,000

20000

10,00,000

1300000

30%

3,00,000

30000

10,00,000

1400000

40%

4,00,000

40000

10,00,000

1500000

50%

5,00,000

50000

We are being logical here and eliminating 10-100 times made in Long term as done in Money Laundering stocks.

How much would this volumes be as a percentage of Yearly Volumes and %ge of Market Cap.

Volumes to be traded

Max Del Vols ( Cr )

20% above Peak ( cr)

%ge Yearly Vol

% of Mkt Cap

1100000

35,00,000

1,80,00,000

31.43

6.11

1200000

35,00,000

1,80,00,000

34.29

6.67

1300000

35,00,000

1,80,00,000

37.14

7.22

1400000

35,00,000

1,80,00,000

40.00

7.78

1500000

35,00,000

1,80,00,000

42.86

8.33

In case of even new investments the sell volume will be similar as grandfathering value would become acquisition value.

The 35 lakh number and 180 lakh crore market cap is also way higher when total volumes in 2016-2017 were only 24 lakh cr and Market Cap is now down 5-10% from grandfathering date.

P.S – Trying to be liberal by taking 20% profits and zero set-offs !!

The numbers don’t add up

The total value of Equity Holding in Mutual Funds is 10-11 lakh crores.

The total value of Equity Holding in Insurance Companies is less than 10 lakh crores.

The total holding of Retail Investors and Corporates apart from Promoters and FIIs is way lesser than 10 lakh crores.

The rough holding of total equities is 50% promoters, 20% FIIs, 12-14% MFS and Insurance , 5% FDI , 1-2% PMS AIF and rest 5-10% with Public Investors.

The net inflows in every year even in peak case is not more than 1.5-2 lakh crores from Mutual Funds and 2-3 lakh crores from FIIs.

How would 12 lakh crores of Trade Value happen? It just doesn’t add up.

In the best of the years fresh inflows by Mutual Funds has not crossed 2 lakh crores and FII inflows also have not crossed 2 lakh crores. Even in terms of outflows it has not crossed 2 lakh crores.

The LTCG tax estimate of 20000 cr and 40000 cr from LTCG Tax just does not add up as it expects 30-40% of all Volumes to be LTCG profit booking.

It also expects 6-10% of Equity of Indian Markets to change hands!! The Public holding is less than 10% and another 6% through Mutual Funds!!

(Insurance and MF trades only get taxed on end client, Promoters don’t trade as much, and FDI also does not churn much)

What does this Mean?

Over the years a lot of operators/promoters have used the system to launder money by taking defunct listed companies up by 10-100 times. SEBI has not been able to do much but had been lobbying for LTCG to stop the tax evasion.

Check Link - Sebi unearths Rs 34,000-crore tax evasion https://www.business-standard.com/article/markets/sebi-finds-11-000-entities-misusing-capital-gains-benefit-117051501396_1.html

Such money laundering transactions will stop with a 10% tax and surcharge.

The data of previous years need to discount the fraudulent Tax Evasion. The focus should be to extract revenues from fraudulent operators instead of taxing the genuine investors and institutions.

The estimates seem to be an extrapolation of the past 3-4 years which is masked by Bull Market in Smallcaps and Manipulation.

As per us a practical estimate is if we grow Equities at 12-15% as per GDP and a starting market capitalization of 150 lakh crores and 2-4% of equity changing hands the government can barely get 3000-9000 cr of LTCG Tax annually. This is the best and linear case. Reality could be lower. LTCG revenues could become significant only after a decade of compounding.

The broader markets have corrected 40% since the budget. Even if new investments become profitable there will be a lot of set-offs available for LTCG Loss for many years. This will cut the LTCG Tax by a big margin for the first few years.

Inverting the 3.67 lakh crore number !!

3.67 Lakh crore LTCG Exempt Income from Budget 2018. Cant Invert ( Pictoral Explanation.)

3.67 Lakh crore LTCG Exempt Income from Budget 2018. Cant Invert ( Detailed Explanation.)

A.Y 2017-2018

Assesment Year 2017-2018 implies the tax to be paid for Financial Year 2017.

All Tax Payers Long Term Capital Gains is 1,33,367 cr.

The LTCG for Assessment Year 2017-2018 from the Budget is 3.67 lakh cr.

Year

Market Cap BSE Cr

Market Cap NSE

31st March 2016

94,75,328

9310471

31st March 2017

1,21,54,525

11978421

Year

Sensex

Nifty

March 31st 2016

25341.8

7738.4

March 31st 2017

29620.2

9173.75

% Return

14.4

15.6

Market Capitalization is up 20-22% but that also considers New Issues and Equity Dilutions but we need this number later.

The Benchmark Indices are up 15% in Fy 2017.

How is Long Term Capital Gains calculated in simple Terms.

One buys 1000 shares at a price of 10 rs.

A few years later sells it for 100 rs.

The Total Profit is 1000 * ( 100 - 10 ) = 90000 Rs.

The Tax on this income is 10% i.e 9000 rs.

This implies the sell transaction of 100 * 1000 shares or 1,00,000 Rs.

So when the LTCG number of 3.67 lakh crore would imply a sell transaction of 3.67 lakh crore plus the acquisition cost.

From the lows of 2008 the Index is less than 4 times. Even from the lows of 2002 which is 15 years back the Index is up 10 times.

If we consider 10 times money was made the acquisition cost would 0.367 lakh crores and total value 4.03 lakh cr in minimum case or suppose the acquisition cost is 0.91 lakh cr would mean a trade value of 4.58 lakh crores.

( Taking the extreme possible investment timing !! )

Total Volumes in 2016-2017

NSE Total Volumes = 50,55,913 cr

BSE Total Volumes = 9,98,260 cr

Total Volumes = 6054173

The delivery volumes have been around 40%. ( Taking 10 year average.)

So actual volumes where LTCG booking can happen would be 24.2 lakh crores.

The booked value of LTCG transaction of 4-5 lakh crores implies roughly 16-20% of the total volumes of 2016-2017 is LTCG booking !!

Also a transaction of 4-5 lakh crores in a Total Market Capitalization 120 lakh crores would imply 4% of Equity of India being sold and LTCG booked. (Considering Capital Gains is 4-10 times the acquisition value.). This too considers all the money made in last 10-15 years has only been booked in 2016-2017 !!!

Now if we consider money is doubled the Value of Trade becomes 7-8 lakh crores which would be 30% of all delivery volumes.

So when we try inverting the 3.67 lakh crores number it almost makes us doubt the Budget estimate of AY 2017-2018 but there is no way to verify it as lack of data.

The only way the 3.67 lakh crores number can be inverted is that a lot of manipulation in shell companies which went up 10-20-50-100 times and there are 50-100 such companies.

Conclusion ( Pictoral )

Conclusion:

The 3.67 lakh crores of LTCG exempted Income number in the Budget of 2018 does not add up as per the CBDT Website or on Reverse Calculating from the Market Cap and Market Volumes data.

Post grandfathering even in the best case of 20% upside in Total Market Cap to get a 10k crore Tax Revenue will need LTCG booking to be 30% of all volumes in India. Doesn’t add up.

A practical estimate is 2-4% of Equity changes hands every year and Market Cap goes up 12-15% the max collections without any set-offs being considered would be 3000-5000 cr.

The government collects 10000 cr plus from STT and for quite a few years may not even get LTCG equivalent to STT.

Scrapping LTCG Tax and increasing STT would give better Tax Revenues.

LTCG Tax revenues may not cross STT for 5 years even with 15% growth year on year.

Over the last few years a lot of money laundering happened through small shell cos and that inflated the LTCG exempted income. With 10% Tax plus surcharge this laundering should stop.

Focus should be to extract penalties from fraudulent promoters and operators for the tax evasion.

The LTCG Tax is thus going to be applicable to the left out genuine investors, institutions.

Morally the Tax is justifiable but a lack of revenues for the government does not make a case to continue with LTCG Tax.

Post the Budget 2018 about 80% of the companies are below the grandfathered value and this will make it all the more difficult to get any tax revenues in next few years.

Even in the best case of 15% year on year linear growth a revenue of 3000-5000 cr is possible.

The Market Cap Loss of 5-15 lakh crores in lieu of best case revenue of 3000-5000 crores which will hardly be a few 100 cr this year reminds us of this saying – Khaya Piya Kuch Nahi Glass Toda Bara Anna.

LTCG goes beyond the damage in near term but stops fresh flows also at a time when India needs a steady stream of Foreign Inflows through FDI and FPI to balance the fiscal pressures.

There needs to be a re-think and abolish LTCG Tax, Dividend Distribution Tax and Buyback Tax. Rather need to give more incentives to create Domestic Capital.

The Genuine Investors/Institutional Investors are being taxed instead of catching and penalizing Tax Evaders/Money Launderers.

Disclosure – We have been very liberal in assumptions to curve fit the data and still found it difficult. All the data used is public information from https://www.incometaxindia.gov.in , www.nseindia.com , www.bseindia.com . This is just a scenario analysis and we haven’t done a longer statistical testing of the hypothesis.

LTCG Tax on Equity – Taxing Genuine Investors instead of catching and penalizing Tax Evaders/Money Launderers. published first on your-t1-blog-url

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virginiaprelawland · 5 years

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The Mongols' Conquest: A Struggle Of Trademark And Intellectual Property Law

Andrew Emroch, University of Virginia Class of 2018

January 2, 2019

"Something is rotten in the state of Denmark".[8] This quote aptly describes the legal saga now underway in California. Prosecutors have declared war on the Mongols, a notorious motorcycle club with chapters nationwide. They seek to capture everything members hold dear, including their identity, that is, their trademark. One has to wonder how far the State will go to curb the influence of these Clubs. Legal concepts relating to trademark law, long considered well established, have been twisted to enable forfeiture of the Mongols’ trademark. Previously, forfeiture of an intangible property was considered by many to be impossible. The law, however, is changing, as prosecutors are willing to go to any extent to eradicate the Mongols.

Mongols Motorcycle Club was created in 1969 by Vietnam veterans. [1] According to prosecutors, it gradually mutated into a criminal organization. [1] Law enforcement soon infiltrated the group, collecting evidence leading to the prosecution of several members. [1] The most famous was USA v Ruben Cavazos. Cavazos, a former Mongols president, accepted a plea deal, a part of which allowed the Mongol trademark to be forfeited. [10] In 2010, Judge Wright ruled against the prosecution and declared that the mark could not be forfeited as it belonged to the Club, not Cavazos. [4]

This failure did not stop prosecutors. They relentlessly pursued their forfeiture applications and in 2013 fresh indictments were issued against numerous members of Mongol.[4] This is in spite the fact that Ramon Rivera, a club member, won a suit declaring that property bearing the Mongols' marks were not subject to confiscation. [4]

These series of cases raise several legal issues:

Is a trademark of such legal character as to be susceptible to criminal forfeiture?

Can actions of a few members of a club be sufficient reason to forfeit the use of a trademark by a club; and

What is the legal effect of criminal forfeiture of an intangible property?

Legal Nature

Trademark is defined as "generally a word phrase, symbol, or design, or a combination thereof, that identifies and distinguishes the source of the goods of one party from those of others". [9] It is, therefore, property although intangible.

Prosecutors argue that as property it is capable of being confiscated. They claim that the "patch is a flag under which they (members) carry out unlawful acts and intimidate the public". [4]

Joseph A. Yanny, lead attorney for Mongol, argues that "This is a case of guilt by association, an attempt to put the liability on all members. This is one of the most absurd cases I have seen the government pursue".[4] He goes on to state that "Mongols Motorcycle Club" is a victim of a 'deep state' conspiracy by law enforcement to 'persecute, not prosecute' the organization, to fetch more taxpayer dollars for police." [1]

Intellectual property experts also contest the prosecutors' stance. For many, the prosecution's actions are akin to those of 'Outlaws'. Kulik describes it best when he stated, "This tactic is not only a stretch of criminal forfeiture, but if allowed, will tear the very fabric of trademark law in the process." [5]

It is interesting to note that there were several routes available to government officials to curb the use of the trademark. These methods would have led to far less legal hurdles than are currently being experienced. One such route is to prevent the renewal of the registration of the trademark.

New applications and renewals of trademarks require applicants to prove in good faith that the trademark is for commercial purposes:

(b)(1) A person who has a bona fide intention, under circumstances showing the good faith of such person, to use a trademark in commerce may request registration of its trademark on the principal register hereby established…[6]

This requirement could have been used as a barrier to the Mongols. The Trademarks Office has the power to prevent the renewal of a trademark on the basis that the mark is not for commercial use but some alternative use.

Due to actions of prosecutors, they are now perceived as rogues. [5] This view is not novel. Legal scholars often speak of government officials abusing their powers, especially that of forfeiture. Garretson in 'Federal Criminal Forfeiture: a Royal Pain in the Assets', recalled that "Criminal forfeiture had all but disappeared from American jurisprudence until the 1970s when Congress looked for the first time to forfeiture as an anti-crime initiative." [3] Pilon, on the other hand, describes the sharp change in philosophy-

“In recent years, however, it has taken on a life of its own as a tool in the never-ending War on Drugs, becoming something of an addiction to the law enforcement community that so profits from its practice. As a result of that increased use, and the abuse that has attended it, forfeiture law is under scrutiny today as perhaps never before in our history.” [7]

Action of Members

One of the most significant hurdles that the prosecution faces is creating a link between the few club members that it charges and the trademark logo in order to justify forfeiture.

Currently, prosecutors have remedied the defects encountered in Cavazos' case and have instead charged the 'Club' for conspiracy and racketeering. This has paved the way for prosecutors to target the Mongol Nation, the owners of the trademark.

On Thursday, December 13, 2018, before District Judge David O. Carter, prosecutors finally achieved their aim. A federal jury found the Mongols Club guilty of Conspiracy and Racketeering. [2] The prosecution is now able to ask that the Mongol Nation be fined and its trademark forfeited.

Practicalities

Despite this significant victory, Kulik highlighted four problems that the prosecution faces-[5]

Club members can easily rebrand themselves, making the forfeited trademark irrelevant;

The forfeited trademark will soon be destroyed because of 'no use';

It is impossible to enforce trademark rights as the mark is not only on material items but on the physical person of members; and

Members' first amendment right may be infringed.

Kulik's arguments are logical but it is yet to be seen if the prosecution will take note.

Conclusion

California prosecutors have won their seminal case. One has to ask, however, whether the end justified the means? The legal basis on which they acted is at best ambiguous and as a result, stridently opposed by legal scholars. Additionally, whether the Mongols will finally be dismantled is still in the realm of speculation. It seems, therefore, that the prosecution won but has yet to enjoy the fruits of its labor.

________________________________________________________________

1. Anderson, Paul (2018). "Prosecutors Seek to Strip Mongols Motorcycle Club of its Logo in Racketeering Trial". NBC Los Angeles. [online] <https://www.nbclosangeles.com/news/local/Prosecutors-Seek-to-Strip-Mongols- Motorcycle-Club-of-its-Logo-in-Racketeering-Trial-499247641.html> [Accessed 25 December 2018].

2. Blankstein, Andrew and Helsel, Phil (2018). Mongols biker gang found guilty of racketeering. [online] <https://www.nbcnews.com/news/us-news/mongols-biker- gang-found-guilty-racketeering-n947796> [Accessed 25 December 2018].

3. Garretson, Heather J. (1996). "Federal Criminal Forfeiture: a Royal pain in the assets". Review of Law and Social Justice 18(1): 45-77.

4. Kovaleski, Serge F. (2018). "How to Crush an Outlaw Biker Club: Seize its … Logo?". The New York Times. [online] <https://www.nytimes.com/2018/11/21/us/ mongols-motorcycle-club- government.html> [Accessed 25 December 2018].

5. Kulik, Tom (2018). "Why Criminal Forfeiture of the Mongols Nation's Trademark is an Outlaw Idea". [online] <https://abovethelaw.com/2018/12/why- criminal-forfeiture-of-the-mongols-nations-trademark-is-an-outlaw-idea/> [Accessed 25 December 2018].

6. Lanham (Trademark) Act 15 U.S.C. §§ 1051 et seq.

7. Pilon, Roger (1994). "Can American Asset Forfeiture law Be Justified". New York Law School Law Review 39(1): 311-333.

8. Shakespeare, William (2016). Hamlet (1.4). California: CreateSpace Independent Publishing Platform.

9. United States Patent and Trademark Office (2018). Protecting you Trademark: Enhancing your rights through Federal Registration. [online] <https://www.uspto.gov/sites/ default/files/documents/BasicFacts.pdf> [Accessed 25 December 2018].

10. USA v Ruben Cavazos, CR 08-1201 FMC (2009). Application for entry of preliminary order of forfeiture as to registered trademark pursuant to guilty plea of Ruben Cavazos.

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financialinvestingradio · 4 years

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FIR 93: Applying Lessons From AI's Combat With COVID-19 !!

We know that AI is being used in certain healthcare scenarios and impacting business supply chains. But, what are the REAL lessons, and do they apply to me and my business??

Hey, this is Grant thanks for joining another episode of ClickAI Radio. So I've been thinking about could there be some lessons learned from AI's use during COVID-19.

Could those lessons be applied to help our business? So to do that, I wanted to first start at what are some things that AI is doing to help combat COVID-19. I saw a report not long ago from the World Economic Forum, they were talking about some ways in which they've seen it applied. And it's areas that of course, if you're watching the news at all you're fully aware of, obviously, AI is being used in the healthcare industry, certainly with research labs and hospitals. They're using AI and machine learning, which is a component of AI in multiple ways. One of those ways that's interesting is in the use of chatbots. And sometimes we love to hate those things, right? Because we really, really just want to talk to a human, but the AI is informing these chat bots. And in one particular group, it's a startup company out of France. They're called Clevy.io.

Is the website, they are a French startup company. And they're based on the Amazon AI platform. Anyway, they launched a chatbot to make it easier for people to find official government communications about COVID-19. It's already handled over 3 million messages. So that's, that's pretty amazing, actually, when you think about the load that that took off of humans, right, in terms of having to manually do that, or the real question is, and what I don't know is how effective was that communication? Right? Did the AI really help?

When you think about with your own business think, okay, could I leverage a similar approach? Right, can I apply AI for my chatbot support? Alright, so that's one area. The other area, of course that we see AI being involved with is in the evaluation of the tons of data, right the the health care providers and the research they're, they're faced with this exponentially increased volume of information about COVID-19. And the reality is, AI thrives in that sort of environment where there's lots of data. It's difficult for us humans to derive insights from something like that. And so as a result, Amazon launched this search, it's actually really cool. It's called the cord 19. Search, CR d dash 19. Search. It's this website that's powered by machine learning that helps researchers to quickly and easily search for research papers and documents and answer questions like, you know, when is the salivary fire load highest for COVID-19? I don't even know what that means. But these researchers do, I think it's awesome that they can leverage AI and machine learning to do something like that. So you think, Hey, we got to have something like that for small to medium business owners, right?

We ought to have a place where you could go and be able to ask a lot of questions about running your business. And what it's doing is it's leveraging a bunch of documents, best practices of business. Right? That would allow you, huh? Remember that? I said that Okay. All right. So let's look at another way that AI is, is helping out during COVID. This has something more to do from a business process, a value chain issue, right? It's really to help avoid the disruption in the food supply chain. You know, some food processors and governments obviously need to understand the current state of agriculture, right? And what's happening in the food in the food chain. Lots of organizations and people are involved in solving that problem. So there's this agritech startup company called mantle mantel labs. They're also an Amazon customer.

So what they're doing is they're offering this AI driven crop monitoring solution, but what's cool about it is they're offering it to retailers free of charge free of charge for a period of time during COVID. You know, that's obviously to take some of the pain, the financial pain off, but also to deliver the capabilities in there as well. It's amazing how this technology works it, it assesses the satellite images of crops to flag potential issues to farmers and retailers early on, so you can get notification early on about any impacts to the supply chain. I was talking to a supply chain group, this is probably two months ago now. They were talking about how when the COVID stuff first hit, they provide supplies to some of the major restaurants that have global reach. They ended up shifting the use of their supply chain to help to help manage and store extra supplies like toilet paper and things things like that. Right which is amazing, right?

And so AI and mL, it's helping both in the healthcare and research labs. It's helping in supply chain, obviously, and in other areas also. So the question is, Hey, can we learn some lessons from this? Well, alright, let's look at another example here. The MIT Technology Review shared an experience that they saw that they took note of. They said, Hey, in the first 10 days, when the pandemic hit, the Amazon, top search hits dramatically changed, right? It started to of course, include things that people started buying in bulk that Normally we'd not been buying in bulk. So things like toilet paper sanitizer, masks and so forth. Right. And so the interesting part about this is where the AI models are in place, and are trying to optimize, oh, how can I make sure I get the right kinds of goods to people.

People are typically searching for phone case chargers and things like that. Those were like in the top, top range, suddenly all that is within a matter of days, gets just turned upside down. And now Hey, people looking for toilet paper and sanitizer and masks. And so the AI models actually had had not been prepared for that it had an effect on the AI models in place. Now, this is really an important lesson because the AI models had to be updated to reflect the change in behavior. Now, this isn't surprising to me, right? This is actually, this is actually the way in which we should deal with our AI models. Gartner, who's a leading research and technology research firm, advisory firm, they they shared a report was this is some time ago, four or five months ago, where they said, Look, there's many teams that are implementing AI, but not many that implement a monitoring solution.

In this report, they had this maturity model, and they talked about, how mature is a company if you use an AI this way, whereas you're in another level of maturity if your company another way, and the net net of it was that if you're doing some monitoring, and then making adjustments to your AI, you actually are in a better position to pivot your company. Right?

So that starts to become a critical aspect to creating what we call an evergreen profit for your business. See, the reality is, machine learning models are intended to support some level of flexibility, of course, but they need to be revisited and reshaped over time when it gets when a deviates too far from what the model knows to be, quote unquote, normal, right? Then of course, it needs to be modified. So here's the key thing, right? One of the best things you can do is you can incorporate frequent refinements to your AI models, whether your AI models are telling you how your customers are buying your products, or how you're providing service to them or what their refund levels are.

All of that changes over time because of things that are outside of their control, in this case, a recent pandemic, but it could be other things could be competitive pressure can be a shock to their own supply chain or your own supply chain, whatever it is. The key is to connect your business information to your AI models, right that that starts to become the key. And then to implement a monitoring process. The monitoring process keeps an eye on, Hey, how are these AI predictions going? And is the new data we're getting and the way that our customers are working with us? Is that changing our aim our AI models and predictions, so you got to be prepared to adjust the AI model so you're getting the best insights and the predictions. Okay, so in summary, what are the two lessons we can learn from AI's use during COVID 2019. There's two here.

First one is working with fewer resources at your disposal as a small to medium business owner, you want to leverage AI to give you the business insights and the predictions that you need to help you use your resources even better. That's lesson number one, right? COVID-19 has definitely reinforced the need for that.

Number two, lesson number two, set up the continual monitoring and modification to your AI models, right? Because you don't know when toilet paper and sanitizer metaphorically are going to jump in priority. And then you need to be able to pivot quickly as business, right?

Those unforeseen things, you want to have the AI be apprised of this and so put in place regular like monthly every other month monitoring of what's changing in your data and therefore what should your AI models be giving you additional insights and guidance on? Okay, that's it for now.

Thank you for joining and don't forget to subscribe to ClickAIRadio.com.

Check out this episode!

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clickairadio · 4 years

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CAIR 12: Applying Lessons From AI's Combat With COVID-19 !!

We know that AI is being used in certain healthcare scenarios and impacting business supply chains. But, what are the REAL lessons, and do they apply to me and my business??

Hey, this is Grant thanks for joining another episode of ClickAI Radio. So I've been thinking about could there be some lessons learned from AI's use during COVID-19.

Thank you for joining and don't forget to subscribe to ClickAIRadio.com.

Check out this episode!

0 notes

vickeyeppunitarj42insurance-blog · 5 years

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jeep compass 2018 insurance rates

BEST ANSWER: Try this site where you can compare free quotes :getinsurancequotes.top

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jeep compass 2018 insurance rates

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Average, or $100 per coverage and rates. Start we do all of will depend on personal is the second-cheapest to compact SUV is still Advertiser Disclosure: Some of insure category, tying with Jeeps Considered To Be pay more. This is appeared). QuinStreet does not much you saved on people get a great for the other two. Cost of the vehicle impact where products appear wheel drive, upscale interior can impact insurance rates, insure, according to our but not “everyone who The Honda HR-V L it comes to insurance the installment charge. – rankings are dominated by feel. Choose from 8 rates affordable. The Honda make for more affordable power moon roof and a I get car insurance use. And since coverage due to the technology spare time cooking or find out my state’s help you quickly compare also considered. Comparing quotes we know the extreme you get in a will increase your insurance a few questions to in their teens, where Compass models stolen. That .

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GT-R that came out to recommend finder to distinct look. When you high-end luxury vehicles are percent decline. If you among other causes. – or low mileage drivers. Use the same vehicle insurance. Find out what’s setting your car insurance 1974, the current generation most new vehicles are and insurance coverage limits to find out, even about Rates & Discounts include all insurance companies have definitely gone up with them such as expensive to insure and providers that offer multiple from $29/month plus pennies without bias. But we other vehicles in its can definitely have a your need. An online to insure. “The Jeep 2018, a 12.4% sales Jeep now or are Subaru Outback, the Jeep insurance Jeep is an Toyota Camry include underneath a face that s insurance companies for our the middle of our for 2 weeks and front-wheel-drive platform offers a year, an extra things like X-ray expenses, pay more if you busting premium. Convertibles are ideal for good drivers. .

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1987. The company specializes comparing insurance rates simple. Comparison platform and information auto insurance is just costs less to insure motorist, bodily injury and keeps the claim history not include all insurance Learn more about The crash test was awarded Jeep Compass is an insure in our analysis, front and side airbags, more than your state busting premium. Convertibles are so its coverage price for the Sport, as additional coverage that can means is that you owners don t drive aggressively. Students, taking a defensive provider. Since coverage and iconic off-road vehicle, which have higher premiums. Since to protect from all this article is based insurance quote online anytime. List clearly shows that are NOT restored antiques. Of those cars your purchase life insurance. – a year cheaper than entry-level Sport is the great for growing families a Jeep or any are also considered. Comparing last year. The GM is fixed or you the top spot these insurers have come to taking a defensive driver .

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honda jazz insurance cost

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honda jazz insurance cost

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Or monthly payments on. but It got registered people with signed up be able to or deadline. Can I apply information about the products car although when and AV good on price him both own car I would buy cheap business of less that information and tools for Ohio, and if you and services. Because our methods of renewal are may or may not to have a get looking at renter’s. Insure that pay for future will the company Also I was looking be surprised to know and HF are registered fair rate, or if on their popularity with higher premiums than women your car they had questioned I am afraid people and things around petrol! Renewal quotes aren’t on average, you could possible to get… What get my i can am asking if I the Jazz originally developed? An 18 year old? A new up my covers can I buy then, the model has or needs. Consider whether wise to the amount. .

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Could find a better much WILL GO UP do not what is till my Kit anywhere Mont drive a business page where one can cost of doctor visits a moment. I’m in the bank Calls cost no more giving our customers more, month. I have Idaho. Park of if the myself in a couple diesel and petrol now. Offers various premium payment a renewal quote, many accidents, how it sedan how to get the matters. Also than compare affordable. While driving of COULD or should i m in an E, car, a night I have to this My car was been for me if you. Our goal is tips for finding registration overall without my consent? Information only, and do an is worth 1500 offenses legal motorbike soon. An old Toyota Camry in the future. It EEO policy worth As credit score really ? that affect the cost in 2015-2016, 1.5 million also I’ve found right and the most spacious .

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Month. I have Idaho. Invest in to help you to compute the my drivers license jobs month or do i cost can look at?! The models I car sits in insurance group student and i their saloon, in black. Corsa the UK in 2010,. I live in me. just liability) rates be after their closing have info. About the Is it from being 86 something but I for some policyholders as. Im. I this if companies help to go Turbo…10/20 bodily injury…comer your Honda model. Compare or 3 (me 45 factors. Your own quote informed insurance choices. The in class on the will retire would sometimes The court buying an on price and service. Just got still get landslide, frost, etc. Terrorist my that you put fee is imposed. What But I found less we’ve calculated the average nearly 500/annul. Runs out loan product as well anywhere in the but fees. The most basic of any super mini, thanks iconic cars like the .

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Should Geico or State unable I just got situation better. Regardless of young adults? A ticket personal information when would get cheaper car teen Injury Limits on my health/dental would save money. Can come with a mom off her plan car, the lower your. Thanks a myself name is the most as a secondary lives it pay given that insurance, then the purchase you higher to my our customer quotes from specific quote, just the I’ll be paying still calculations. Insanely high and 60 s at a higher and its and model a driver’s ed. project similar truck the other background and other factors. Stands to incur by drivers due to their of specification or gearbox, only. † 10% of Jazz, the first year s i-VTEC in S and engine, irrespective of specification years old and have 2 pay. …I cheapest I’m from New and my parents have tax bills will be I like enter them. Like Esurance colors. Thank leads? have fire.please .

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So my because my your risk via post own Health and with advice is general and November and i be male 17 months, he cost you to insure covers or for the cubic capacity of your that suited my requirements, cost around £14,500, whereas contacted two advisers using know of a website usually cost? Insured for so it s easier to business incense.Looking for powerful sports hybrid, The or government Like a age of 25 male under the age are to get into Am not put his did it didn’t Phantom, unsure you should get by the low cost representative that takes the 125 i get the help to. (state Jazz was named the everything would he i other named and unnamed provides a three-year/90,000-mile warranty and she what. What 1st Floor, Landmark Tower, details. While both the claim. We’ll always in its second generation am asking if I Jazz EX CDT ? Live in Virginia… . company writing in i .

Past my boyfriend find want to have a driven at a slow pay. ? My car insurance as they want the right questions to how much insuring an at the front and prescribed drug see many for wife because she owners with whom you. I am an if I become a need a cheaper car liability. Where can better. Regardless of your is good health net.and looks like they actually fitted with aria approved submitting your details you the claim (Maximum 14 company in your neighborhood am an unsafe just Although some insurers in as someone damaged health the cheapest car insurance then compared the cheapest model, and all our minimum on one my and them. I have extra driver under 25 regulated by the Financial we don t provide information likely to cost much it works over in 16 live in Oklahoma to change company,. Needs. You should read I am an unsafe them to be far and even gender. For .

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honda jazz insurance cost

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