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Edit: This story about Aetna being successfully sued for 25M USD only happens in America and is, in my view the main argument why being scared of “single payer systems” is ill advised.Lets start by making sure we have the same understanding of things:Single payer = where one entity (usually a government entity) uses a pool of funds paid into by the whole community/country to pay the health care providers (doctors/nurses/pharma) for the services they provide to the community.Socialism = a political and economic theory of social organization which advocates that the means of production, distribution, and exchange should be owned or regulated by the community as a whole.Socialist country = as defined above would be countries like Mainland China, the former soviet union, cuba, vietnam, depending on how you look at it North Korea…Socialism (bis): Often used by political parties who propose a society where the richer pay a larger tax in order to support infrastructure and policies that also support the lower income portion of the population.Although to a lesser extent than most advanced nations, the US is a Socialist(bis) nation. Less so than most countries in Europe, but you do have medicaid and host of services offered by the government.My first question to you is which of the two definitions are you using?For the sake of the argument I am going to assume you are using definition (bis) which includes countries like Denmark, Finland, Australia, Japan, France, Italy, Germany, Netherlands, Belgium, Greece, Canada.Within Single Payer there are many ways to do it and two levels:Reference: List of countries with universal health care - WikipediaFree Health care: Free health care refers to a publicly funded health care that provides primary services free of charge or a nominal fee to all its citizens, with no exclusions based on income or wealth.[3]Universal Health Care: Universal health care, sometimes referred to as universal health coverage, universal coverage, or universal care, usually refers to a health care system that provides healthcare and financial protection to more than 90% of the citizens of a particular country.[4]There are 118 countries who provide both Free and universal health care.These include: All of the countries I listed above as examples of “socialist (Bis)” countries, as well as other countries such as Vanuatu, Palau, Uruguay, Chile etc etc.There are 43 countries that provide neither of these. ie if you are sick you are on your own or at the mercy of the free market.These include Iran, Iraq, China (a socialist country in the real sense of the word), Turkmenistan etc … with two exceptions, all poor countries who are behind in their development. Exception 1 is China…(although one can debate as to exactly how advanced it is). Exception 2 is the United States of America.So only 25% of countries provide neither universal nor free healthcare… And with the exception of the US, they are all poor countries (if one thinks a majority of Chinese people are still in poverty)Over 50% of countries provide both. Do you see mass demonstrations in the news about health care being bad in 50% of the world?The fact that 50% of the world (including a large number of democracies) are voting for policies and to keep single payer systems alone is an indication. Now please go on the net, and do some research, and tell me what percentage of the world outside of the US is looking at the US health care system and saying “maybe we should do like them”… (ie the perception the US system is better than the one they have now). While you will for sure find many many pages about how they wish their system to be improved, I challenge you to find information on a country in which people are voting for law makers who propose to change to the “multi payer “ system the US has… In fact I challenge you to find a law maker outside of the US who is even suggesting (never mind pushing for policy) their country should move from single payer to multi payer. Does that tell you anything? Do you think their might be a reason for that?Now lets look at the results. The point of the health care system is to keep you alive and healthy so lets look at track records:I don’t know about you but I think children are important. So what is better to help children: Single payer or not? According to your logic (ie single payer is bad), countries with single payer should have a higher mortality rate and those without should have a lower mortality rate for children. Here is how the CDC (US organisation) ranks infant mortality rates in the world: US… 27!!!!! BEHIND Poland Hungary and Slovakia, all of which are signNowly less wealthy countries than the US. Please also note that EVERY SINGLE country ranked above the US on that list has both free and universal health care / single payer. (https://www.cdc.gov/nchs/data/nv...)But maybe infants/children are not important to you. Lets look at life expectancy:The US is 31 !!… behind countries like Slovenia, Chile and Costa Rica… not exactly known for being paradise of wealth and health on earth (with all due respect to these countries which I happen to like)List of countries by life expectancy - WikipediaMaybe you say, I’m not interested in living long. OK lets go to how does the World Health Organisation rank national health care systems ? Keep in mind the WHO (as it is known) incurs strong influence from he US.US Ranking : 37… BEHIND Morocco (Single Payer, Universal) and Colombia (Single Payer, Universal and Free)!!!World Health Organization's Ranking of the World's Health SystemsI challenge you to find one … 1… one ranking where the US health care system (or lack therein of) comes in the top 10 for positive outcomes for the population at large.So, I’m sorry but what is scaring you exactly?Please tell us so we can look at it.Thank youEdit: Let me add the economic side to it.“The U.S. spent $8,233 on health per person in 2010. Norway, the Netherlands and Switzerland are the next highest spenders, but in the same year, they all spent at least $3,000 less per person. The average spending on health care among the other 33 developed OECD countries was $3,268 per person”Health Costs: How the U.S. Compares With Other CountriesSo look at this way: not only is multi payer system inferior to single payer at keeping you alive longer and keeping children healthy and alive longer, it also costs about TWO TIMES MORE per person than Switzerland (ranked 20) , Netherlands (ranked 17) and Norway (ranked 11). Which implies the top ten countries pay less than half what the US pays per person to be in top 10 except the US is 37 out of 200 countries…So lets put it this way: Your multi payer health care system actually performs in such a way you spend twice as much as #11,17,and 20, and nearly 3 times over the global average to make it to #37 BEHIND THIRD WORLD COUNTRIES, as shown by the infant mortality rate and life expectancy rate. Think about it this way: if you spent the same as the rest of the world, you would be #80 something…with every one of these countries having single payer…. And by the way, in the case of Single payer, when we say “costing them”, the government pays, so people are not going bankrupt because of health issues. In your case, it is YOU… paying and when you have cancer, diabetes, or some form of heart disease, it is you who will be paying much MORE than 8,000 dollars, where a single payer patient would be paying probably around $500 if you average out across the different systems (ie, the govt pays most of the bill and the individual is left with 10~30% depending on which country it is, a bit like a deductible if you like)…. So not only do you not seem to like to live long, and not seem to think it is important to give your kids the medical care they need to prevent them from dying at a higher rate, you also seem to like paying 12 times (when comparing what is paid by the patient) more for the privilege of not getting what people in other countries do get. So you are terrified of what?EDIT: This is one of many perfect examples of why single payer works much better:Girl has words for Aetna after brain surgery deniedThis ONLY happens in the US on a very very REGULAR basis. I might add when I was living in the US, my insurance denied a trip to the hospital for my then wife who was complaining about acute stomach pain. “wait till tomorrow” they said We went anyway. She was operated on immediately. She had peritonitis. She ran the risk of dying because I had to choose between paying thousands of dollars (I was billed 6,000 for the ambulance) or wait till the next day. A company who has a financial interest in making sure you don’t get treatment should not be allowed to make decisions on whether you need it or not.EDIT 2: Here is a graphic that says something: Notice less advanced and far less rich countries than the US have it too, and notice non of them are “Socialist” as defined in the dictionary and executed in the USSR or China.

I’ve posted this answer elsewhere on Quora, but it fills the bill perfectly:Million Dollar WebsiteThe year was 2005, and Alex Tew was a student who wanted to get some money to pay for his third year at the university. His bank account was empty, and it seemed that all he had was a notebook and a pen. However, that was enough to come up with a brilliant idea.He wrote down just one question on his notepad: “How can I become a millionaire?” After 20 minutes of a heavy brainstorming, he got the answer. So he said to himself: “What if I can sell one million pixels of advertising space on a website for $1 per pixel? This is one of those crazy, quirky ideas, but it just might work. I’ve got nothing to lose anyway.”So he borrowed $100 for the domain name and basic web hosting. If to get into details, Alex’ idea was very simple: businesses can buy at least 10×10 or larger blocks of advertising space for a $1 per pixel and place their logos and links on the website. Then Alex convinced some family members and close friends to buy the first 1,000 pixels. He also assumed his idea could be an intriguing story for the media, so he made sure to contact the local press.Like you’ve already guessed, Alex hit the bull’s eye. The word quickly spread through the media and within two weeks he sold $40 000 worth of pixels. In no time, the website was discovered in more than 35 countries and just in five months he made $1 million. Enough to pay his college, right?He sold the remaining pixels on Ebay. The last ad space on his site was bought for $38,000. “I’ve spent probably about $40,000 maintaining the site and publicizing it, so there’s been some degree of expense to keep it going. But still–it’s a healthy profit at the end of the day.” – happy Alex says.Selling Canned AirTo sell air – the dream of each and every lazybone in the world has finally come true. The thing is that lazybones do not earn $8,000,000.However, a Chinese businessman named Chen Guangbiao does. This may sound like a bad joke, but it’s not something to be called funny. As a matter of fact, air pollution has become a major issue in China and poses a real threat to Chinese public health. So Chen Guangbiao had this wildest idea. Eventually, he has sold over 10,000,000 cans of air from less polluted places in China in 10 days. The air was sold at 80 cents a can.Can you believe it – the millionaire fights pollution with thin air! Surely enough, he understands that his canned-air campaign can’t beat the problem, but says “it’s a way to awaken people to the importance of environmental protection”.Dirty Rotten FlowersDo you have archenemies? Or, maybe, your ex is so annoying you can’t just let it go?If the answer is positive, you better know about DRF – an online shop that sells…withered flowers. Yeah, the ones you throw away after your Birthday party is over. The business concept is plain and simple: you choose “the bouquet”, provide an address and the person you “like” receives a rather unpleasant surprise.Without any doubt, the founders of the website just reinvented the florist business. And judging by the testimonials on their website, the standard flower sellers have a huge competitor now.Although they only have 4 articles with prices ranging from $29 to $33, the business goes well. Alas, the world is full of vengeance (and weird ideas).

Payoff.com is a social finance platform enabling communities to fulfill their individual and collective dreams. We launched public beta in January 2011 and have collected 1,000+ dreams, of which over 90% are related to money. Payoff helps people fund their dreams and signNow their goals, like saving for a house or vacation, adopting a child, paying off credit cards, and starting a business, in addition to connecting them with other people working towards the same things. The current product enables users to share their dreams, set up goals, link and track financial accounts, earn badges, and receive cash Sur-Prizes for progress. We provide tools from top-quality partners, as well as educational content to help move users to action and success. Ultimately, we provide a more intuitive way for users to understand how they are spending their life -- it’s not about the dollars, but it’s about the positive use of money, time, talent, and charity. We aim to own dreams and achievement on the web.  Payoff will create meaningful social connections and dialogue through dreams, goals, implicit communities based on personal transactions (the “real-life check-in”), and our partners.  In addition, our relevance and recommendation engine is guided by a Science Advisory Board, with leaders from Cal-Tech, USC, and Northwestern. We recognize that achievement and financial behavior, like most decisions, is driven by emotions, not budgets and lists, and we are signNowing people in this emotional space. One user told us, “I feel more encouragement from these badges than I think you will ever know.  I'm not the most emotional person but I have been so poor for most of my adult life trying to get through school that the day  [the] "STASH" badge was awarded to me I cried!” Payoff is founded by Scott Saunders (Walz Group, Inc 500) and Eden Warner (pre-revenue to profitability CFO at Fandango), along with folks from Yahoo! and SpotRunner. You can view a video about us at and contact us at scott@payoff.com. Also, check out what folks are saying: AOL WalletPop: http://www.walletpop.com/2011/01...Business Insider: http://www.businessinsider.com/p...U.S. News Money: http://money.usnews.com/money/bl...

All Hollywood actors have to be members of the Screen Actor's Guild to perform in major productions. That means that they have to be compensated in a manner which can be audited by the guild to ensure that they are being paid fairly. This means checks, wire transfers, etc. Cash payments would not allow that to occur.Depending upon what level the performer is on there are several methods where they could be compensated:They can create an LLC (Limited Liability Company) or a corporation and have themselves paid through that. This allows them to be a private entity and can lessen their tax burden in many states. They would receive a 1099 at the end of each quarter and their business staff would be responsible for paying their taxes and withholding. These are often referred to as “loan outs.” They could, if they were bit performers, be paid normally and then receive a W-2 at the end of the year. The production company would do all of their withholding and issue them the necessary tax documentation. This method is not favored by many actors as it leaves them dependent on the production company to take care of their tax matters.Some smaller productions overseas might be willing to pay extras in cash on a daily basis. However, many producers would be loath to do this as it could cause security issues and it is a temptation for fraud and abuse.Some of the major stars receive what are term to gross points, which are percentage of the gross movie profits. These can be exceptional, especially if the film is a hit, so only a few performers will receive them. Many are promised “net profit points” which are nearly worthless as even the most profitable films rarely show a profit due to Hollywood accounting techniques.

I am going to ignore your question and share 5 proven steps to get started investing.Starting your first investment is a lot like climbing a mountain.You’re starting from ground zero with a lot of enthusiasm, but when you realize you have to climb for days to get anywhere, that enthusiasm often turns into the feeling of being overwhelmed.But when it comes to your investing career, the weather conditions, metaphorically speaking, are terrible as well.Hold on! You have made a smart move to invest in Equity, popularly called as shares. Indian GDP is growing at 6%-7% per annum and as thumb-rule equities deliver return which is equal to GDP growth + Inflation. Equities are best investment vehicle used as a hedge against inflation.Hey! getting started with your first investments is not terribly difficult - Here's what I would do to start my first investment and build up to $1000, $2000, $10,000………permonth in "passive" income.SEBI regulated a tight charge over documents submission. So this makes it a most crucial step. Your names, dates, and signature should be identical on all of your submitted docs.Below are the exact 4 basic documents that one need to get registered as a stock trader with SEBI.PAN cardIdentity proof (Aadhar card, driving license etc)Bank statement (last 6 month)Cancelled chequeThese are the basic documents. However, in some rare case, additional documents are needed. Consult the broker for the same.In addition, you would also have to fill up the registration form to which the above documents would be attached (highlighted in next step).But where do you submit the damn documents?This is what I’m going to show you in step 2.Not only brokers help you to get your documents verified with SEBI, they also facilitate live trading in stock market. You can buy and sell stocks with just one call or one click (on trading app, platforms)What you’ve to do is contact a broker and deliver them registration form with above-attached documents.But still one should choose a broker with great attention. Some brokers charge so high that most of your profit is swallowed by their charges. An uncle of mine generated a brokerage of 1.5 lakh in 2 months on F&O trading. I was baffled after seeing his charge-sheet.When was the last time you read an investing book or an economic magazine article? Do your daily reading habits center around hot tips tweets, Facebook updates, or the directions on moneycontrol website? If you’re one of the countless people who doesn't make a habit of reading books and articles regularly, you might be missing out: reading has a signNow number of benefits on your investments and your market behavior.Step away from your computer stock screen for a little while, crack open a book, and replenish your soul for a little while.Below are 3 books which are highly recommended to beginners.Stocks to Riches: Insights on Investor Behavior (by Parag Parikh)My personal opinion: At my earlier days, I started reading highly suggested books but didn’t benefit more than this book. In my opinion, this book is a key to understanding other books. Just an extremely insightful book of great practical value that every investor, both beginners and the experienced, should read. No more words.Rich Dad Poor Dad (by Robert T. Kiyosaki)My personal opinion: This is my all time favorite. This book has also qualified for the Amazon Best Reads List – June’16. This book what made me understand the crux of value investing and spread a great message of how money makes money.The Little Book That Still Beats the Market (by Joel Greenblatt)Side Note: Still I’m finding this book to read. Also tried to buy this book on Amazon but not in stock. Contact me personally if you can endorse this book to me. I read summary and reviews of others on this book and find it interesting. He made the value investing simple by just following ROCE and ROE matrix.Edit: I finally got the book.However, when you’re done with above books. Try your luck on some more detailed books here - 11 books that will change the way you look at stock marketNow you’re all done. You got registered with a broker and learned about the stock market. The next step will show you how to stand out from everyone out there...What I like to do next is become a pro trader by tracking my performance, nearly daily.Well quoted by Anurag Bhatia in another answer of the same question.“Maintain a trading journal. Practice paper trading. Yes, you have to practice trading every day to be above average at it. Just like the world's best athletes practice every day”However, you don’t have to make a trading journal, if you’re registered with Zerodha. As they have an inbuilt Q platform to track daily, weekly, monthly……. performance. Get more of it here.This is the most important stage to make yourself a successful investor. Everyday tracks your profit and loss. You don’t have to give hours, 15 minutes will be enough.What you have to do is whenever you have a profit activate your flashback and figure out what made you invest in this share and mark that criterion as a good evaluator of share. And same applies to the loss position in opposite way.When you have traded for a couple of months, nearly daily and got great insights of the market, open up Q platform, track your past transaction and create an algorithm.…….and do whatever you need to cultivate maximum profit from stock market fluctuation.Create your strategy………Create your parameters……….Create your own disciples……….In-short, rely on yourself and trade like a boss. Don’t get influenced by other traders, instead, influence them by your moves.This is where the real money will be made. There are no shortcuts in this process...this is how it's done.Just remember one thing:Following others will not make you rich. Making others follow you will make you rich.Hit me up on my website if you need any help.Stay invested in Sensex or Nifty 50. Normally shares of this category don't tumble more than 5% per day. Exceptions are always there but it's better than mid or small cap stocks. Once you get some experience in the field, choose your stock by your own analysis and own strategy.Go for short term trading (although, I’m a great enemy of short term trading) but as a beginner, you’ll not invest much so you should try with a short run. If you invested for the long run, you’ll lose your interest in some time.Keep the volume of traded money equal to the money which will not make you unhappy, if you lost them.Don’t get trapped in the vicious circle of brokers, advisers…. If their advice are so much effective than they would have been trading shares, not selling their advice.Here’s the reality: You’re in a tough spot.Starting investment profitably for a layman is not easy, but if you’re willing to put in consistent effort, it can be done.I’ve shown you four of the most effective steps I know to get started investing for a newbie. I encourage you to just focus on above steps until you create a sound money making a portfolio.If you’re looking for a bigger guide (with an illustration of a stock), this might help you - How to start investing: A complete guide from "आहा..." to "oh! shit"If you’ve additional advice for newbies or have any sound investment strategy to share with others, I’d love to hear about them in the comments below.

First off, way to go on building out this asset. Sounds like you built something really great.As other commentators have mentioned, it will be hard to tell you how much this business might be worth without knowing the exact profits.However, there are a few things we can say here that could help you.The 3 most important metrics when it comes to a valuation are:Length of time of profitabilityActual profitability (how much you are making)Amount of trafficWe can tell a lot with this information.For example if you are making $25k recurring monthly, that’s great but how long have you been doing it? If you made $25k for two months and before that it was $3k recurring income, then that is going to throw off your average quite signNowly.Since every business isn’t listed on their actual net profit for the month, but rather on the average net profit over a series of months, you will want to find out what your true average net is first.Second, this sounds like it is a big business and so you will need to use a longer average to attract potential buyers. No buyer wants to buy a high six figure business that has only a 3 month average (or very few do at least).I would recommend you use a 12 month average.Since you have recurring income, this could signNowly boost your multiple you get since recurring is very attractive especially if scaling that recurring doesn’t also require large infrastructure investments.If you’re making $75k per month and the net profit is 30% so $22,500 per month, your valuation could range anywhere between 20–40x that monthly net profit depending on a lot of different specific factors with your business.Let us say you get a 28x multiple and your 12 month average is $20,000 per month, you are looking at a business worth around $560,000.If you want to get a rough estimate of your business, we created a free tool you can use that will give you an automatic valuation which will help you figure out a rough estimate of where your business stands on the free market. You can check out our valuation tool here.

It will take about 3 weeks to 1 year, and will cost a minimum of $275 if you do it entirely by yourself.Step 1: Creating the Nonprofit OrganizationThe first step is creating the nonprofit organization that will serve as the underlying 501(c) entity. The nonprofit organization generally can be an unincorporated association, a corporation or a trust.Trusts and unincorporated associations are created by contract, and so if you draft it yourself, there are no government fees involved. The time taken will depend on how long you take to draft and execute the necessary documents. If you are really really determined, you could get it done in a day or two.Corporations are creatures formed under the auspices of the laws of a particular state, and states charge a filing fee to establish a corporation. The time taken depends on the state. Many states have expedited processing where they will form the corporation in 24 hours. There also needs to be certain governing documents, and if you are really really determined, you could get it done in a day or two.Step 2: Obtaining a Tax-IDThere is no government fee for obtaining an employment identification number (EIN), which is the tax ID number for the nonprofit organization. So again, if you do it yourself, it is free. If you have a current social security number or individual tax identification number, this can be done online in under 5 minutes.Step 3: Obtaining Recognition of 501(c) StatusThe filing fee for form 1023-EZ is $275 (the short-form 501c3 application). The filing fee for all others is $600. Time taken for 1023-EZ is usually between 2 weeks to 6 weeks. Time taken for the rest is usually anywhere from 6 months to a year.Additionally, in certain categories, 501(c) status could be “self-declared.” For example, 501(c)(4)s, and 501(c)(3)s that are houses of worship or with income under $5,000. However, there are many risks involved in doing so.

When I was making plans to go to the USA to attend graduate school, my father and I went to different banks asking for education loan.At that time, my father made just enough to support our family and all he has is a small house. No Savings or any other property.The home value is more than the loan amount we requested for. Most of the banks turned us down and I almost gave up on my dream to go to Grad school.I went to Andhra bank near my area. This was a new branch and I just went to try my luck. The bank manager is a soft-spoken person. He asked me for my details and other stuff. He told me that he can’t guarantee a loan until the appraisal is done.Two days later, he called me telling that the appraiser is in town and they want to see my home to estimate it’s value. I called my dad and they got the appraisal done. The manager looked into my study certificates and told me that he will do his best to get the loan approved.He went above and beyond his duty and got the loan approved. I got my loan papers and the next day, he got transferred to a different branch.I finished my Master’s degree and now, I am having a good job. I called the manager to convey my thanks for his help. He told me that he is really happy for me and that I was the first one who got an education loan from the new branch.Thank you, Sir!!!!

Fill out the NSC application form. ... Submit self-attested copies of required KYC documents. ... Make the payment of the amount to be invested by cash/through cheque.

Keeping in view the hardships faced by the widows and senior citizens, Behbood Savings Certificates (BSCs) with a 10-years maturity period were launched by the Government of Pakistan on July 30, 2003.

The purpose of the profit and loss account is to: Show whether a business has made a PROFIT or LOSS over a financial year. Describe how the profit or loss arose \u2013 e.g. categorising costs between "cost of sales" and operating costs.

A Profit and Loss (P & L) statement measures a company's sales and expenses during a specified period of time. ... The categories include net sales, costs of goods sold, gross margin, selling and administrative expense (or operating expense), and net profit.

Audited financial statements help decision makers that provides a summary of a company's revenues, expenses, and profits/losses over a given period of time. The P&L statement shows a company's ability to generate sales, manage expenses, and create profits.