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	<title>FCYD</title>
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	<link>http://fcyd.org</link>
	<description>Freedom Calls You Directly Here</description>
	<lastBuildDate>Sun, 20 May 2012 17:02:38 +0000</lastBuildDate>
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		<title>Accounting And Finance Faculties Prepare Business Leaders</title>
		<link>http://fcyd.org/accounting-and-finance-faculties-prepare-business-leaders</link>
		<comments>http://fcyd.org/accounting-and-finance-faculties-prepare-business-leaders#comments</comments>
		<pubDate>Sun, 20 May 2012 17:02:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Faculties]]></category>
		<category><![CDATA[Leaders]]></category>
		<category><![CDATA[Prepare]]></category>

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		<description><![CDATA[Accounting and finance schools are within the business of preparing leaders in money accounting, from workplace directors to professors at business colleges. Those with advanced skills in finance and accounting can have exceptional employment opportunities with major businesses, government agencies, faculties, banks, tax services, and more. You&#8217;ll be able to learn to be an accountant [...]]]></description>
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 Accounting and finance schools are within the business of preparing leaders in money accounting, from workplace directors to professors at business colleges. Those with advanced skills in finance and accounting can have exceptional employment opportunities with major businesses, government agencies, faculties, banks, tax services, and more. You&#8217;ll be able to learn to be an accountant in 2 to four years from some of the simplest faculties for accounting and finance.</p>
<p>Once we think of accountants, we have a tendency to may assume of those that merely audit monetary accounts for varied businesses, but there is a touch a lot of to it than that. Those with even a few months of coaching in accounting and finance will have experience that encompass much a lot of than financial bookkeeping. Accounting and finance colleges can impart in-depth education in finance and accounting that may include such skills as monetary management, coming up with and executing money ventures, analyzing investment schemes, understanding accounting technology, developing financial initiatives, and different vital skills.</p>
<p>A number of the classes you&#8217;ll be able to anticipate from a typical accounting and finance course would include getting ready balance sheets, statements, journals, and ledgers; computation, classification, and verification of financial accounts; and accounting technology and software. Accounting and finance faculties may also include instruction on banking, inventory management, money flow and debt, business and personal tax preparation, payroll, accounts payable, accounts receivable; and a lot of, a lot of more.</p>
<p>The amount of accounting and finance training that you must attempt for depends on the position you will seek upon graduation. There are several levels of school degrees in finance and accounting, and certificates and diplomas. You can gain an entry-level education in accounting and finance with a certificate or diploma, however advanced positions can require at least an Associate of Science degree (AS). Naturally, employment and salary enhancements can move up incrementally with associate and bachelor degrees in accounting and finance.</p>
<p>If you propose to travel into teaching, or if you would prefer to become an skilled in one specific space of business administration (like e-commerce, education, estate coming up with, personal finance, insurance, investments, employee edges, or income tax, as an example), you must get a graduate degree from a smart business school. Advanced degrees in accounting and finance would be the Master of Business Administration (MBA) and also the Doctorate of Business Administration (DBA). However, if you only want to brush up on your finance and accounting skills, you will be pleased to know that several vocational accounting and finance schools are willing to provide professional certificate studies in accounting and finance.</p>
<p>Therefore, if you think you would relish keeping track of other folks&#8217;s cash and working in high finance, a course in finance and accounting may be simply right for you. The simplest part is you can anticipate lifelong employment and an wonderful salary range. Prepared to start currently? Find Accounting and Finance Faculties on our website and submit asking for additional data today. </p>
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		<title>Singapore Corporate Tax Essentials</title>
		<link>http://fcyd.org/singapore-corporate-tax-essentials-2</link>
		<comments>http://fcyd.org/singapore-corporate-tax-essentials-2#comments</comments>
		<pubDate>Sun, 20 May 2012 16:52:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Tax]]></category>
		<category><![CDATA[Corporate]]></category>
		<category><![CDATA[Essentials]]></category>
		<category><![CDATA[Singapore]]></category>

		<guid isPermaLink="false">http://fcyd.org/singapore-corporate-tax-essentials-2</guid>
		<description><![CDATA[Singapore is a rapidly growing hub for business in Asia. Many entrepreneurs choose Singapore because of its effective legislation that protects intellectual property while facilitating business ventures. Furthermore, Singapore is favourably located at the centre of the expanding Asia economy. Given the favourable location, businesses benefit from the productive alliances with various huge economies while [...]]]></description>
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<p>Singapore is a rapidly growing hub for business in Asia. Many entrepreneurs choose Singapore because of its effective legislation that protects intellectual property while facilitating business ventures.</p>
<p>Furthermore, Singapore is favourably located at the centre of the expanding Asia economy. Given the favourable location, businesses benefit from the productive alliances with various huge economies while being to maintain the name of a prestigious and reliable jurisdiction. By executing a fair and competitive tax rates, Singapore has uphold its attributes of being the ideal place for setting up a business. For all these reasons Singapore has taken the forefront over the past decade as a globally recognized business nation.</p>
<p>All in all, the main reason behind why Singapore has been so popular with businessmen and corporate entities is that of its cooperate tax policy.</p>
<p>Singapore&#8217;s Corporate Tax</p>
<p>In Singapore, foreign and local companies pay tax equally. </p>
<p>This may sound unfavourable at first glance but in fact, Singapore favours its own businesses as it does offshore companies, thus the entrepreneurial culture that exists within Singapore.</p>
<p>All income from Singapore are taxed&#8211; income remitted in Singapore or derived in Singapore. The latter means that even if the business is incorporated in Singapore but the transactions is mostly done in other countries the income remitted in other countries will not be taxed. For some practical reasons, businessmen who wants to set up a company in Singapore are advise to seek a professional guidance regarding Singapore tax policy for them to be able to adhere to the tax incentives and policies accordingly.</p>
<p>Because of the corporate tax policy of Singapore which address issues and vital needs of incorporation, Singapore has gain a lot of respect from businessmen around the world.  The Singapore government has implemented tax exemptions for new companies, in order to facilitate the process of starting and growing a business from scratch.  It is vital to take note that most start-up companies encountered several concerns and costs, including registration costs, costs in employment, marketing, building and other aspects necessary to start up a business. Unfortunately, not all countries like Singapore understand the need to provide solutions to alleviate concerns and cost of newly built corporations.</p>
<p>In Singapore, there is an exemption of tax for a newly incorporated Singapore for the first annual profit of S0,000 for the first three years of business.  This exemption applies only to companies that are (i) tax residents in Singapore (ii) have 20 shareholders or less (iii) at least 10% of its shareholders are individuals.  For companies that do not comply with these criteria, although full tax exemption is not available for the first S0,000 of profits, partial exemption still applies. Companies that do comply with the full exemption, also benefit from partial tax exemption on the next S0,000 of profits.  It involves a 50% tax exemption on a maximum of S0,000 of profits for partial exemption and involves S0,000 of profits for those that benefit from full exemption.  This works out to a tax rate of approximately 8.5% on the first S0,000 of profits, an extremely low rate for an OECD member country.</p>
<p>Singapore provides a tax environment that is highly favourable to company setup without causing detriment to the social and economic environment the Singapore government provides for its people. With such low tax rates working effectively in a nation that maintains prestige, efficiency and high quality of life, many may begin to question the need for such high tax rates in other nations. Ultimately, tax benefits, amongst Singapore&#8217;s many other impressive facets, provides a key selling point for entrepreneurs. No wonder, Singapore has continued to be a vital business location not just in Asia but also worldwide. </p>
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		<title>Advertising on Radio</title>
		<link>http://fcyd.org/advertising-on-radio</link>
		<comments>http://fcyd.org/advertising-on-radio#comments</comments>
		<pubDate>Sun, 20 May 2012 16:52:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Advertising And Marketing]]></category>
		<category><![CDATA[Advertising]]></category>
		<category><![CDATA[Radio]]></category>

		<guid isPermaLink="false">http://fcyd.org/advertising-on-radio</guid>
		<description><![CDATA[Advertising is a form of communication intended to persuade an audience (viewers, readers or listeners) to take some action. It includes the name of a product or service and how that product or service could benefit the consumer, to persuade potential customers to purchase or to consume that particular brand. Modern advertising developed with the [...]]]></description>
			<content:encoded><![CDATA[<div align="justify">
<p>Advertising is a form of communication intended to persuade an audience (viewers, readers or listeners) to take some action. It includes the name of a product or service and how that product or service could benefit the consumer, to persuade potential customers to purchase or to consume that particular brand. Modern advertising developed with the rise of mass production in the late 19th and early 20th centuries.</p>
<p> </p>
<p>Advertising is a brilliant idea to increase business for all type business. Radio is still surprisingly inexpensive for advertising. The medium has been around for about 100 years. Many businesses give radio a pass because of the misconception of the return on investment.</p>
<p> </p>
<p>The greatest advantage of radio is its ability to go after a very specific kind of market. Advertising on radio is the largest pre-buyer of national radio advertising and print advertising. </p>
<p>It own multi-million dollar blocks of national radio advertising network time. This media gives its clients consistent profitable returns on their media dollars. Local, regional, national…straight media or performance based.</p>
<p> </p>
<p>Today, everyone talks about ROI and the need to make marketing more accountable. Print and radio advertising measurement systems tells which media components work, for rapid ROI improvements. Print &amp; Radio is the largest pre-buyer of national print advertising. In print media, the advantage of catering to specific target audience opens up countless opportunities to enhance sales figures. A fashion magazine would highlight cosmetic products and fashion accessories.</p>
<p> </p>
<p>At the same time, a sports magazine would display sports related ads to cater to its readers. There is no wastage of resources as ads get to reach the target audience. They offer programs that cut the risk of advertising by clients, through the use of some programs.The Hispanic population generally spends an average of 26-30 hours a week listening to the radio – 13% more than the rest of the population. Additionally, readership of weekly community and free newspaper remains high and consistent.</p>
<p> </p>
<p>The internet has transformed the way the world works in so many ways it is impossible to document. Of recent with the development of the dynamic web and free access to the internet we are seeing the decline of traditional media sources and the birth of online internet radio, TV, podcasts and ezines. People are no longer the confined audience of what the big networks deem is important according to their advertisers and big sponsors.</p>
<p> </p>
<p>Radio Advertising Costs has a growing user base of both broadcasters and listeners. People are broadcasting their messages to their niche audience. Most of it would never have seen the light of day with traditional media outlets. These niche audiences are thirsty for good content pertinent to their interests. With the relatively low cost of software and the profusion of social networks like YouTube, Blogtalk Radio and Ustream there are more and more free internet radio stations hitting the airwaves all the time. Some people even speculate that the music industry will have a rebirth of sorts using these streams and the power of community connection.</p>
<p> </p>
<p>For those that are going big and developing a business model around their broadcasting there is still cost involved to running it before going into profit. To make it a business success it is important to monetize what is being built. Once a large audience of 50 thousands listeners is achieved, companies wanting to connect with a particular group will be open to buying online radio advertising in the form of 30 second radio ads and infomercials or branded shows.</p>
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		<title>Nike Air Maximum The year of 2010: The secrets With a Toned Summer season Entire body</title>
		<link>http://fcyd.org/nike-air-maximum-the-year-of-2010-the-secrets-with-a-toned-summer-season-entire-body</link>
		<comments>http://fcyd.org/nike-air-maximum-the-year-of-2010-the-secrets-with-a-toned-summer-season-entire-body#comments</comments>
		<pubDate>Sun, 20 May 2012 07:13:20 +0000</pubDate>
		<dc:creator>author</dc:creator>
				<category><![CDATA[Financial]]></category>

		<guid isPermaLink="false">http://fcyd.org/nike-air-maximum-the-year-of-2010-the-secrets-with-a-toned-summer-season-entire-body</guid>
		<description><![CDATA[Nike Air Max 2010 Once you think of a vigorous, healthful stroll, many peoples&#8217; thoughts go to the beach front. There&#8217;s nothing quite as fulfilling because work out you will get from walking without shoes about the coast. Footwear manufacturers have got figured out this specific reality, developing a totally new market place of Nike [...]]]></description>
			<content:encoded><![CDATA[<p><P><strong><A title="Nike Air Max 2010" href="http://www.nikeairmax2010s.biz/" target=_blank>Nike Air Max 2010</A></strong> Once you think of a vigorous, healthful stroll, many peoples&#8217; thoughts go to the beach front. There&#8217;s nothing quite as fulfilling because work out you will get from walking without shoes about the coast. Footwear manufacturers have got figured out this specific reality, developing a totally new market place of <strong><A title="Nike Air Max 90" href="http://www.nikeairmax2010s.biz/" target=_blank>Nike Air Max 90</A></strong> that mimic your stroll inside the fine sand.</P><P>The actual Nike Air Utmost Last year sector truly stepped off in the Nineties with the development of Masai Without running shoes Technologies. Any Switzerland manufacture, Karl Muller, seen that people who move without shoes continuously normally stroll differently compared to those putting on footwear. The actual renowned Masai tribes of South africa and also Tanzania, Cameras, stroll without shoes since they tend their cows, but undergo almost no rear or feet soreness, despite their renowned journeys.</P><P>Muller desired any shoe that resembled walking without shoes upon natural, bumpy soil * like the Masai tribesmen&#8217;s encounter. He or she named this specific top quality natural fluctuations. Shoes designed with Masai Without running shoes Technologies have been the first footwear that were not merely best for feet, however were built with a optimistic influence on the complete body.</P><P>Considering that 2003, any time Masai Without running shoes Technologies was introduced in america, some other manufacturers have got seen that footwear are capable of doing a lot more than protect feet. Step 2, Muscle mass Sculpting Shoes, can actually provide your body an improved work out as compared to you&#8217;d expertise in typical jogging shoes. Makes similar to Skechers, Mephisto, Planet Shoes, SpringBoost and also Orthaheel have got came into the market industry using Muscle mass Sculpting Shoes, every single offering a rather diverse gain.</P><P>Skechers have got long been recognized for distinctive condition and look. Their muscle mass firming design, Shape-Ups, carry the identical Skecher design, but with any sand wedge put in inside the shoe that behaves as a jolt absorber. As well as moving base only contributes to training session simply by wearing them whilst you stroll. Skechers provides these kinds of advantages of putting on their Shape-Ups and also exercising:</P><P>Nike Air Utmost The year 2010 came to exist any time individuals with a good business owner spirit along with people excited about athletics and satisfaction. After a period of alignment research, the particular recently established organization attempted to prove that, determined by new alignment concepts, footwear may boost fitness efficiency. Not simply could the footwear make a difference throughout fitness endeavor, nevertheless they may do this around a wide range of athletics. In 2006, SpringBoost become so popular-so fast using its first distinct footwear alternatives named B-Fit. In 2007, SpringBoost unveiled their first footwear regarding walking and satisfaction instruction. In line with the manufacturer, the particular function concerned permit you to perform in a higher fee, all when using a smaller amount energy.</P><P>In case you remember the era of serenity, really like and also good ole&#8217;, then you most probably remember Planet Shoes smacking Oughout.Utes. shops inside the Nineteen seventies. Nicely, what&#8217;s very good never truly goes away completely, and also Planet Shoes are rear using Kals Bad Heel Technologies. This implies the particular shoe&#8217;s inclined only opportunities your foot Several.Several diplomas more than your rearfoot. This particular adjustments excess fat a lot more for the rearfoot, which usually realigns your position. It&#8217;s wise some thing of a mini-workout simply by walking of these footwear. The actual feet box from the shoe is a little broader and also the rearfoot a lot more slim, the complete opposite of a few of present day sports shoes for women. Not only will feet thank you for definitely area to look at normally, however you will enjoy these kinds of advantages.</P><P>Air Utmost Three months principal purpose is by the podiatrist to assist your feet perform normally. Individual feet were designed just to walk upon natural floors, but unfortunately, there is little natural with regards to almost all of present day floors. The actual thumping can easily tone the particular arch of your respective feet and also make trouble with the knee, fashionable and lower rear. Enter Orthaheel, which includes created built-in supports in their personal distinct jogging shoes, sandals and also slip-ons. You can even pick the supports to put on in your footwear. Here are a few from the advantages.</P></p>
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		<title>Investment Property Financing Options</title>
		<link>http://fcyd.org/investment-property-financing-options</link>
		<comments>http://fcyd.org/investment-property-financing-options#comments</comments>
		<pubDate>Sat, 19 May 2012 20:09:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Options]]></category>
		<category><![CDATA[Property]]></category>

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		<description><![CDATA[Investment real estate promises good appreciation in the coming years and a lot of people are from banks, mortgage lenders, etc. use to finance their investments. Loans are the most common forms of an investment property financing. There might be cases when one is able to borrow from family and friends, but often that is [...]]]></description>
			<content:encoded><![CDATA[<div align="justify">
 Investment real estate promises good appreciation in the coming years and a lot of people are from banks, mortgage lenders, etc. use to finance their investments. Loans are the most common forms of an investment property financing. There might be cases when one is able to borrow from family and friends, but often that is not private banks and money lending agencies are the institutions is looking forward to the thought of an investment property financing. There could be some real estate investors who get enough money to buy the property outright, but find the majority of potential investors for the different sources of an investment property financing. Let us check out some tips on investing in the object.<br />
 <br />
Investment property financing guidelines<br />
 <br />
While you may have to be very excited properties and increase your monthly income, as there are certain investment property financing strategies that you should know before becoming an investment loan. Some of these strategies are<br />
Knowing the purpose for borrowing the money. In a conversation with your lender to make sure that you show the true motive behind the financing. If there is a second home, or you want to put up for rent, let the lender know about it.<br />
 <br />
During the calculation of mortgage payments is the plan of action for most people, that they pay the monthly installments on the rent they receive. While this is good business planning, something can go wrong when you are not in a position, a tenant can be found. So ensure that you pay regularly into a position of your fund, so that things like foreclosure, bad credit rating, etc., can be made availableBay.<br />
 <br />
The subprime crisis has made financing the down payment a bit difficult, but if you can have a good credit score or collateral put up one, then the deposit would not be as big a concern. You can also use the equity in the house for a down payment.<br />
A small chink in the armor can make complicated than investment property financing. So, before obtaining the loan, carefully check your IRS returns, credit card bills, other debts etc.<br />
 <br />
If you are fairly new to real estate investment, mortgage brokers or take advice from professionals who can guide you to a variety of financing options as investment property. Once you are all familiar with all the rules of the game, then you can start with the investments on your own.<br />
 <br />
See if you can get a pre approved loan. Pre-approved loan save time and money and also to instill confidence in the property dealer that his assets should not be bound, if it takes time to arrange for you to approve the loan.<br />
Types of loans for investment property financing<br />
 <br />
There are various investment property financing options available for people who are investing in real estate. Some of the options available line of credit loans and standard loans.<br />
 <br />
Line of Credit Loans: These loans can be of the maximum money that a bank lends to an individual will, without thought of additional permits. With a line of credit you are entitled to several loans over a period of time without taking a detour through the approval process again. For example, instead of applying for a loan even $  100,000, a person with a credit line $  50,000 times and borrow another $  50,000 next time withoutconnected through the process with the approval of the loan.<br />
 <br />
Standard loans: Well, these are the most common forms of an investment property financing, where you can meet with a bank official to verify what is considered investment property financing rates it offers you. If you feel that you are getting a fair deal, then you can either click on the loan with either fixed or variable interest rate. It is very important to do a little research before considering an investment property financing. The research should include the location of the property you are interested and whether the property has the potential to help you have a good profit. Apart from that, you should also check the affordability of the loan the interest rate you charge. We hope that the above information will help you a bit in case you are thinking about an investment property financing. </p>
</div>
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		<title>Riba And Mortgages :</title>
		<link>http://fcyd.org/riba-and-mortgages</link>
		<comments>http://fcyd.org/riba-and-mortgages#comments</comments>
		<pubDate>Sat, 19 May 2012 20:09:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Riba]]></category>

		<guid isPermaLink="false">http://fcyd.org/riba-and-mortgages</guid>
		<description><![CDATA[Part : 1 We speak to bankers, both Islamic and conventional, and laymen, both sincere and cynical, and compile twenty-one of the most commonly asked questions about riba and mortgages: Hes a good Muslim. He prays, he fasts, he pays zakat. He regularly performs voluntary acts of obedience. Hes a caring family man and a [...]]]></description>
			<content:encoded><![CDATA[<div align="justify">
 Part : 1</p>
<p><b>We speak to bankers, both Islamic and conventional, and laymen, both sincere and cynical, and compile twenty-one of the most commonly asked questions about riba and mortgages:</b></p>
<p>
Hes a good Muslim. He prays, he fasts, he pays zakat. He regularly performs voluntary acts of obedience. Hes a caring family man and a respected member of the community. By every outward measure, he appears to be leading the life of an exemplary Muslim.</p>
<p>But, somewhere along the line, he reconciled his views on interest-based finance, particularly in relation to conventional mortgages, with his religious beliefs. He became convinced, like countless other Muslims, that Islam permits one to take a conventional mortgage to finance the purchase of a home.</p>
<p>The question is not whether riba is impermissible; the verses in the Quran are clear enough. The question for many is: Is the riba in the Quran the same as the interest on my home loan?</p>
<p>We spoke to bankers, both Islamic and conventional, and laymen, both sincere and skeptical, and compiled twenty-one of the most commonly asked questions related to conventional mortgages. We confirmed the answers with qualified scholars who referred back to the Quran; sunna of the Prophet (Allah bless him and give him peace); the scholarly consensus of the traditional schools of jurisprudence; and the Shariah standards of the worlds largest regulatory body governing Islamic banks, the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI).</p>
<p>The following are actual questions posed by genuine Muslim homebuyers and industry practitioners:</p>
<p><b>1. How is the riba Allah has forbidden the same as ordinary interest? I thought riba refers only to usury.</b></p>
<p>The Quranic verses and hadith are clear on the prohibition of riba. What is not clear to some is the meaning of the word riba.</p>
<p>Understanding this is particularly relevant to understanding the permissibility of conventional mortgages.</p>
<p>The present answer seeks to show that differences in interpretation do not originate from a substantive change in the nature of the circumstances since the time of the Prophet (Allah bless him and give him peace), as some claim, but rather from a change in the common usages of the words usury and interest. So while the original meaning of the word usury referred to any charge over the principal according to Old English Law1, the modern meaning of the word underwent a process of evolution.</p>
<p>Essentially, a change in language, not a change in commerce.</p>
<p>Allah deems only two sins worthy of a war from Him: enmity with His friends and dealing in riba. Few Muslims doubt the enormity of dealing in riba, clear in Allahs words in the following verse:</p>
<p>Those who eat of riba shall not rise (on Judgment Day) except as those arise who are smitten by the Devil with madnesswhich is because they say that trade is but like riba, though Allah has made trade lawful and has forbidden riba. So whoever is reached by a warning from his Lord and desists may keep what was before (Allah forbade it), and his affair is with his Lord. But whosoever returns, those are the denizens of hell, abiding therein forever.</p>
<p>Allah extirpates (all benefit from) riba, but makes charity bounteous, and Allah loves no sinful ingrate.</p>
<p>Verily, those who believe and do righteous works, who perform the prayer and give zakat, they possess their wage with their Lord: no fear shall be upon them, nor shall they grieve.</p>
<p>O you who believe, fear Allah, and give up whatever remains of riba, if you be believers.</p>
<p>But if they do not, then be apprised of war from Allah and His messenger, though if you repent, you may keep your principal, neither wronging nor being wronged (Quran 2:275-79)</p>
<p>And the words of the Prophet (Allah bless him and give him peace) found in this and other rigorously authenticated (sahih) hadith:</p>
<p>The Messenger of Allah (Allah bless him and give him peace) cursed whoever eats of riba, feeds another with it, writes an agreement involving it, or acts as a witness to it. (Muslim)</p>
<p>And the expert legal opinion (fatwa) of one of the worlds leading Islamic finance scholars, Justice Mufti Muhammad Taqi Usmani, defining riba:</p>
<p>The concept of riba was widely recognized among the addressees of the Holy Quran, and it is that concept which is reflected in the legal definition provided for riba either in the hadith or in the later literature of Islamic jurisprudence. According to this definition, any transaction of loan where the payment of an additional amount on the principal is made conditional to the advance of such a loan is called riba.2</p>
<p>Confusion, spread primarily by the more modernist readings of the Islamic Sacred Law in the first half of the 20th century, arose on whether riba refers to usurious levels of interest alone, or refers to commercial interest as well, the kind found in conventional mortgages.</p>
<p>Two issues are involved here: 1) the incorrect and widely-held belief that interest was, in previous times, only usuriously excessive by nature; and, 2) the popular notion that pre-modern forms of finance served primarily consumptive, not commercial, needs.</p>
<p>A brief look at history is instructive.</p>
<p>Commercial interest, as practiced today even at single digit rates, was well-known and widely-practiced among Abrahamic societies, even over four thousand years ago, mostly as a form of institutionalized agricultural finance, not just as a form of usurious consumption finance, borne out by substantial historical proof.3 Later, even the concept of credit risk became well understood, with Byzantine traders contemporary to the Prophet (Allah bless him and give him peace) borrowing on standardized rates of interest, rates that varied by profession.4</p>
<p>The Prophet (Allah bless him and give him peace), his Companions, among whom many were previously moneylenders, and all those trading in the Arabian peninsula during the 7th century were thoroughly familiar with the widespread practice of commercial interest-based lending: charging for the use of money with an additional sum over the principal amount.</p>
<p>Modernist Islamic discourse on the inadequacies of an interest-free economy is highly reminiscent of the arguments favoring interest given by medieval Christian theologians. Three centuries before pro-interest Calvinism reached its full stride, the slippery-slope justifications that marked the beginning of the end of the Churchs interest prohibitions began, most openly, in the 13th century with the introduction of a time-based penalty charge on an interest-free loan.</p>
<p>The charge was called interesse.</p>
<p>About a hundred years later, this charge evolved into one that could be incorporated into the contract itself as part of the loan, not just as a penalty for late payment, but as a charge just for the use of the funds.5</p>
<p>The last stage of this recidivism came in 1920 when the Church itself issued the following statement: in lending a fungible thing, it is not itself illicit to contract for the payment of the profit allocated by law, unless it is clear that this is excessive, or even for a higher profit, if a just and adequate title be present6</p>
<p>Even the modern dictionary attests to the true origins of the word usury: 1. the practice of lending &#8216;money at an exorbitant interest rate. 2. an exorbitant amount or rate of interest. 3. Obs. Interest paid for the use of money7 The first two definitions are the norm, the third, the point. That it became obsolete (Obs.) is testament to the fact that usury was once regarded as none other than non-exorbitant interest.</p>
<p>From the beginning of Islam to the present day, the overwhelming majority of Muslims, both scholars and laymen, have regarded riba, usury, and interest as but one in meaning. To follow this is to follow the words of the Prophet (Allah bless him and give him peace) to adhere to the jamaa (overwhelming majority of Muslims). (Ahmad)</p>
<p><b>2. How does interest harm society? Isnt it a necessary part of every economy.</b></p>
<p>Muslim societies are a living example of the debilitating effects of interest-based finance. Most sadly reflected in just about every Muslim country in the world, with daily-ballooning interest payments to the World Bank, International Monetary Fund, and other industrialized nations agencies; notably, at low rates of interest. Interest payments that, quite unproductively, draw valuable funds away from healthcare, education, sanitation, infrastructure, and any number of other governmental responsibilities.</p>
<p>Debt creates dependence, and dependence provides the opportunity for control.</p>
<p>The following two passages are particularly relevant for those who claim that interest-based development actually works:</p>
<p>According to UNICEF, over 500,000 children under the age of five died each year in Africa and Latin America in the late 1980s as a direct result of the debt crisis and its management under the International Monetary Funds structural adjustment programs. These programs required the abolition of price supports on essential food-stuffs, steep reductions in spending on health, education, and other social services, and increases in taxes. The debt crisis has never been resolved for much of sub-Saharan Africa. Extrapolating from the UNICEF data, as many as 5,000,000 children and vulnerable adults may have lost their lives in this blighted continent as a result of the debt crunch.8</p>
<p>Debt is an efficient tool. It ensures access to other peoples&#8217; raw materials and infrastructure on the cheapest possible terms. Dozens of countries must compete for shrinking export markets and can export only a limited range of products because of Northern protectionism and their lack of cash to invest in diversification. Market saturation ensues, reducing exporters income to a bare minimum while the North enjoys huge savings. The IMF cannot seem to understand that investing in(a) healthy, well-fed, literate populationis the most intelligent economic choice a country can make.9</p>
<p>Further, price inflation and increased market volatility, the usual concomitants of a highly leveraged economy, affect poor and rich countries alike. To add to this, poorer, debtor countries typically find their currencies devaluing as they struggle to repay loans in their creditors currency.</p>
<p>The realistic alternative to debt is the one already employed to good use in successful Western economies: equity, upon which most Islamic finance products are based. In comparison to debt, equity provides the most resilient and least damaging source of capital for individuals, businesses, and economies.</p>
<p>Besides the ravaging macroeconomic effects of debt, problems also appear at the level of the individual. A 2001 study at Bath and Exeter reveals that students who fear they may fall into debt are four times more likely to suffer from depression.10 For those students who are actually in debt, the numbers may be worse.</p>
<p>The correlation between indebtedness and illness is particularly alarming given the widespread use and social acceptability of interest-based consumer finance, including home financing, which also offers the all too convenient option of multiple mortgages.</p>
<p>Debt finance expands the range of possibilities available to us, and for some, to unsustainable levels, making it possible to own things one cannot afford with money one may never have. Allahs command, after all, is not intended for His benefit, but for our own.</p>
<p>Islam recognizes that the choices we make as individuals affect all society, and that to support an interest-based institution, even with a seemingly benign conventional home loan, is to support the broader framework of banking institutions largely responsible for todays widespread global poverty.</p>
<p><b>3. Does Islam permit conventional mortgages?</b></p>
<p>A conventional mortgage is a loan of money on which interest is charged. It constitutes a cash loan advanced by a bank or mortgage agency to finance the purchase of a property. The homebuyer agrees to repay the principal in addition to making an interest payment, while nonpayment of either entitles the bank to seize title. Some money today for more money tomorrow.</p>
<p>The lender takes no equity position in the property. The lender provides no service. There is no usufruct of the lenders assets. The lender provides only some cash today for more cash tomorrow. Riba, no less, and forbidden.</p>
<p>Source: Ethica Institute of Islamic Finance. </p>
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		<title>Singapore Corporate Tax Essentials</title>
		<link>http://fcyd.org/singapore-corporate-tax-essentials</link>
		<comments>http://fcyd.org/singapore-corporate-tax-essentials#comments</comments>
		<pubDate>Sat, 19 May 2012 20:02:52 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Tax]]></category>
		<category><![CDATA[Corporate]]></category>
		<category><![CDATA[Essentials]]></category>
		<category><![CDATA[Singapore]]></category>

		<guid isPermaLink="false">http://fcyd.org/singapore-corporate-tax-essentials</guid>
		<description><![CDATA[Singapore is a rapidly growing hub for business in Asia. Many entrepreneurs choose Singapore because of its effective legislation that protects intellectual property while facilitating business ventures. Furthermore, Singapore is favourably located at the centre of the expanding Asia economy. Given the favourable location, businesses benefit from the productive alliances with various huge economies while [...]]]></description>
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<p>Singapore is a rapidly growing hub for business in Asia. Many entrepreneurs choose Singapore because of its effective legislation that protects intellectual property while facilitating business ventures.</p>
<p>Furthermore, Singapore is favourably located at the centre of the expanding Asia economy. Given the favourable location, businesses benefit from the productive alliances with various huge economies while being to maintain the name of a prestigious and reliable jurisdiction. By executing a fair and competitive tax rates, Singapore has uphold its attributes of being the ideal place for setting up a business. For all these reasons Singapore has taken the forefront over the past decade as a globally recognized business nation.</p>
<p>All in all, the main reason behind why Singapore has been so popular with businessmen and corporate entities is that of its cooperate tax policy.</p>
<p>Singapore&#8217;s Corporate Tax</p>
<p>In Singapore, foreign and local companies pay tax equally. </p>
<p>This may sound unfavourable at first glance but in fact, Singapore favours its own businesses as it does offshore companies, thus the entrepreneurial culture that exists within Singapore.</p>
<p>All income from Singapore are taxed&#8211; income remitted in Singapore or derived in Singapore. The latter means that even if the business is incorporated in Singapore but the transactions is mostly done in other countries the income remitted in other countries will not be taxed. For some practical reasons, businessmen who wants to set up a company in Singapore are advise to seek a professional guidance regarding Singapore tax policy for them to be able to adhere to the tax incentives and policies accordingly.</p>
<p>Because of the corporate tax policy of Singapore which address issues and vital needs of incorporation, Singapore has gain a lot of respect from businessmen around the world.  The Singapore government has implemented tax exemptions for new companies, in order to facilitate the process of starting and growing a business from scratch.  It is vital to take note that most start-up companies encountered several concerns and costs, including registration costs, costs in employment, marketing, building and other aspects necessary to start up a business. Unfortunately, not all countries like Singapore understand the need to provide solutions to alleviate concerns and cost of newly built corporations.</p>
<p>In Singapore, there is an exemption of tax for a newly incorporated Singapore for the first annual profit of S0,000 for the first three years of business.  This exemption applies only to companies that are (i) tax residents in Singapore (ii) have 20 shareholders or less (iii) at least 10% of its shareholders are individuals.  For companies that do not comply with these criteria, although full tax exemption is not available for the first S0,000 of profits, partial exemption still applies. Companies that do comply with the full exemption, also benefit from partial tax exemption on the next S0,000 of profits.  It involves a 50% tax exemption on a maximum of S0,000 of profits for partial exemption and involves S0,000 of profits for those that benefit from full exemption.  This works out to a tax rate of approximately 8.5% on the first S0,000 of profits, an extremely low rate for an OECD member country.</p>
<p>Singapore provides a tax environment that is highly favourable to company setup without causing detriment to the social and economic environment the Singapore government provides for its people. With such low tax rates working effectively in a nation that maintains prestige, efficiency and high quality of life, many may begin to question the need for such high tax rates in other nations. Ultimately, tax benefits, amongst Singapore&#8217;s many other impressive facets, provides a key selling point for entrepreneurs. No wonder, Singapore has continued to be a vital business location not just in Asia but also worldwide. </p>
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		<title>Accounts Receivable Financing Guide</title>
		<link>http://fcyd.org/accounts-receivable-financing-guide-2</link>
		<comments>http://fcyd.org/accounts-receivable-financing-guide-2#comments</comments>
		<pubDate>Fri, 18 May 2012 23:04:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Accounts]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Guide]]></category>
		<category><![CDATA[receivable]]></category>

		<guid isPermaLink="false">http://fcyd.org/accounts-receivable-financing-guide-2</guid>
		<description><![CDATA[If you are a small business owner you will know exactly the struggles of obtaining capital to fund and grow your business that businesses are facing today. With banks limiting lines of credit and loans more businesses are turning to accounts receivable financing. In this article I will try to help you determine if accounts [...]]]></description>
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<p>If you are a small business owner you will know exactly the struggles of obtaining capital to fund and grow your business that businesses are facing today. With banks limiting lines of credit and loans more businesses are turning to accounts receivable financing. In this article I will try to help you determine if accounts receivable financing, also called factoring, is right for you.</p>
<p>What Exactly Is Accounts Receivable Financing?<br />
Accounts receivable financing is when outstanding invoices or accounts receivables are sold to a finance company. This provides instant cash flow for the business and the risk of collecting the outstanding receivable is transferred to the finance or factoring company. The finance company will pay a discounted amount for the receivables based on the age of the receivables. Accounts that are past due or over 90 days old are typically not accepted by the finance company.</p>
<p>Advantages:<br />
There are three main advantages for companies that sell their receivables to a financing company.</p>
<p>The first advantage is that the collection of the debt is no longer the responsibility of the company. </p>
<p>This frees up the company&#8217;s resources to focus on other more productive activities. The company also receives a set amount of funds and long longer has to make contingency plans for cash if customer&#8217;s fail to pay their debts.</p>
<p>The second advantage for a company is the ability to free up working capital. Assets that are typically tied up in inventory and accounts receivables can be turned into cash more quickly enabling the company to use funds to help grow the business.</p>
<p>The third advantage is that it provides and quick form of financing. You do not need to gather up tax returns and write up a business plan like you may be required to do in order to get a loan.</p>
<p>Disadvantages:<br />
While there are many advantages for a company that factors its accounts receivables, there are also potential drawbacks that a business should take into account when deciding if factoring is the right choice. The discount fee and other charges incurred may seem high at first but over time these costs may be lower than interest incurrent on a bank loan. You should always shop around to make sure you are paying the lowest possible fees and weigh the costs against the interest a bank would charge you on a loan.</p>
<p>Is Accounts Receivable Funding Right for my Company?<br />
This is a choice obviously only you can make. There are some things to think about before making your decision. Is the money needed immediately for the company to survive or to take advantage of a business opportunity? Is your company ready or have a need for more money and expansion? Have you explored all sources of funding available to a small business?</p>
<p>Take time to carefully consider all your options and investigate any finance companies you may choose to work with. Accounts receivable financing may be the right choice to help a company survive in a competitive environment.</p>
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		<title>Mortgage Interest Rate Trends</title>
		<link>http://fcyd.org/mortgage-interest-rate-trends</link>
		<comments>http://fcyd.org/mortgage-interest-rate-trends#comments</comments>
		<pubDate>Fri, 18 May 2012 23:00:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Interest]]></category>
		<category><![CDATA[Rate]]></category>
		<category><![CDATA[Trends]]></category>

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		<description><![CDATA[Mortgage interest rates are ever changing due to the status of the economy.  There are several other factors that effect interest rates related to mortgages.  To understand what effects an interest rate is to understand why it is consistently fluctuating.  What effects a mortgage interest rate?  There are several factors can that influence a change [...]]]></description>
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<p style="text-align: justify;">Mortgage interest rates are ever changing due to the status of the economy.  There are several other factors that effect interest rates related to mortgages.  To understand what effects an interest rate is to understand why it is consistently fluctuating. </p>
<p>What effects a mortgage interest rate? </p>
<p>There are several factors can that influence a change in rate.  First there are bonds.  The general term bond in this case relates to mortgage backed securities.  It is a simple formula in that when a bond sells for less, the interest rates will increase.  When a bond sells for more, interest rates will then decrease.  As we are currently in a state of flux with our economic status, rates are changing from week to week. </p>
<p>Why are mortgage interest rates continually unstable?  Even due to changes in mortgage backed securities, emotions are truly the most swaying factor in interest rate determinations.  Individuals who may read about stocks, employment/unemployment data, and economic information are effected by this news.  Even hearing about a mass set of purchases within a certain state or county can influence others to consider the purchase of a home.  People effect people.  A trend, is just that, a trend.  This is why interest rates can not only change from week to week, but also from day to day, and even hourly.</p>
<p>In this, supply and demand becomes an issue that also effects interest rates for mortgages.  In a location such as Milwaukee, Wisconsin, where there are often several homes for sale on a consistent basis, there may not be as much of a demand for a home purchase as say in Sedona, Arizona. </p>
<p>The availability of homes for sale in beautiful Sedona, Arizona are few and far between, increasing the want and overall demand for real estate in the area.</p>
<p>Additional factors such as growth in GDP (gross domestic product), inflation and prices of oil can also make slight changes to interest rates affecting mortgages. </p>
<p>As of today, there has been a drop in interest rates. This has encouraged those looking to purchase a home to act quickly.  It is also encouraging those who were looking to sell their home, to make pricing adjustments, and/or get their property on the market. </p>
<p>It is always in a buyer or seller’s best interest to be informed, but to also be prepared for interest rates to drop so they can make their move.  By getting pre-approved for a home loan, one can then watch interest rate trends, and purchase when the time is right.  Additionally, finding an informative realtor to aid in your purchase or sale can also prove to be a good decision. </p>
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		<title>Articles marketing</title>
		<link>http://fcyd.org/articles-marketing</link>
		<comments>http://fcyd.org/articles-marketing#comments</comments>
		<pubDate>Fri, 18 May 2012 22:49:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Advertising And Marketing]]></category>
		<category><![CDATA[Articles]]></category>
		<category><![CDATA[Marketing]]></category>

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		<description><![CDATA[Internet provides vast and wonderful resources for anyone looking for information. Articles are one of the resources of reliable information. Great that there are good article writers who can write informative, promotional, and feature articles not only to provide information but also help promote business website or reputation of business owners as well. Having an [...]]]></description>
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<p style="text-align: justify;">Internet provides vast and wonderful resources for anyone looking for information. Articles are one of the resources of reliable information. Great that there are good article writers who can write informative, promotional, and feature articles not only to provide information but also help promote business website or reputation of business owners as well.</p>
<p style="text-align: justify;">Having an online presence is something that you shouldn’t afford to ignore. It is one of the most effective and cost efficient ways not only provide solutions to your customers but also to ensure new and prospects customers find your business.</p>
<p style="text-align: justify;">There is an art and strategy of <strong>articles marketing</strong> that helps small or corporate businesses to get people click on the link to their business website, blog, and affiliate page at the end of the article. </p>
<p>Article is revealed to be the whole secret to let the world know your business, who you are and what particular services you provide. By means of articles of company or business your prospect client can understand something vital to your own business and create as well as a remarkable impact. Article directories in general are very well indexed on search engines consequently publishing on such directories improves your visibility. As compilation of article directories is a part of article marketing, creating profiles can help present yourself as experts in a particular field.</p>
<p style="text-align: justify;">Writing the interesting and benefit-oriented articles is an essential part of <strong>internet article marketing</strong>. Yet, it can be quite challenging to not only create awareness of your brand but also to guarantee that you have fresh and relevant content on a constant basis. It would be time consuming for you if you’ll make it on your own as you have to make a research on the topic thoroughly, make it informative and not bias, check your word count, and make it well proofread before to send them on your clients and article sites . It also requires a writing skills and knowledge on content creation and syndication. Developing, implementing and managing your article marketing strategies and campaign can be somewhat complicated especially if you’re not knowledgeable on this and it’s not your field.</p>
<p style="text-align: justify;"><strong>That’s where virtual assistants come in!</strong> A virtual assistant can develop and implement effective article marketing strategies tailored to you and your business. If you’re having trouble finding the right words that not sure of what you would like discuss, then a VA is certainly the solution. With the help of VA your article marketing would be effective as VA can thoroughly research any topic, write informative, SEO friendly articles that meet your approval and promote them online. They can even submit the written articles manually to reputable directories and monitor your article placements and therefore get the backlinks towards your business website. You can transmit your own concepts and they can prepare to write the best content for you.</p>
<p style="text-align: justify;">Infinity Web Solutions are specialized not only in content creation but also syndication and SEO services. They offer effective article marketing as well as syndication strategies based on your specific needs and time frame. They also offer article SEO marketing that can’t only increase your ranking within Google, Yahoo and Bing but also help position you and your company as experts in your chosen industry. Quality content is guaranteed that can turn into a link bait and highly shareable. With this you’ll often reach the success by being shared widely throughout social media sites first before being linked to through blogs and other sites.  Do not underestimate the importance of article marketing as this is one of the best traffic generation techniques.</p>
<p style="text-align: justify;">Infinity Web Solutions take their pride of each and every article they have made for their clients. Why not let them write an effective content for you? Just visit: http:// http://www.infinity-web-solutions.com/</p>
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