Paramount Global M #citifinancial #mortgage


#paramount mortgage

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Hassle free investment

Investment secured by real estate

Stable cash flow

What We Invest

What is Mortgage Investment Corporation (MIC)?

Mortgage Investment Corporation or MIC is an investment and lending company designed specifically for mortgage lending in Canada. Governed by Section 130.1 of the Income Tax Act, MICs pay no corporate tax and act as flow-through entities and have to pay out all their taxable income in the form of dividends. Owning shares in a mortgage investment corporation enables you to invest in a company which manages a diversified pool of mortgages.

WHERE THE MONEY GOES

Sample Case 1: text123
Property location: Midtown, Torotno
Property Value: $1,500,000, Single family house
Borrowing Amount: $150,000
LTV: 77%
Term: 1Y
Return: 10%
Borrower info: Lawyer, Borrow money for closing his new house

Sample Case 2: Text123
Property location: Ajax, Ontario
Property Value: $600,000, Single family house
Borrowing Amount: $30,000
LTV: 84%
Term: 6 month
Return: 12%
Borrower info: Car mechanics, pay off debt

Sample Case 3: Text 123
Property location: Oakville, Ontario
Property Value: $900,000, Single family house
Borrowing Amount: $80,000
LTV: 81%
Term: 1Y
Return: 11%
Borrower info: Online business in cosmetics, renovating the house

Fund Fact

Management Team

VICKY HUANG (CEO)

Vicky is responsible for overseeing the day-to-day operations of the firm, building both new and existing business, and implementing overall strategy.

Vicky is the co-founder of Bay Street Real Estate Investment and Ubene Technologies. Vicky has developed a reputation for leading from the front line, working with teams and clients in developing and executing business plans which resulted in the advancement of the key strategic initiatives of each firm. Vicky had worked years in the capital market department of TD, RBC and IBM. Vicky obtained her Master degree from University of Toronto in 2005, and has completed the Real Estate Management Program from Harvard Business School in 2012.

Cindy Shen (President)

Cindy is a serial entrepreneur, with a passion for building financial companies and technologies to make lending easier and faster for everyone involved. Cindy has more than a decade of banking experience, and is a private lender herself, building a pipeline of deals exceeding 10 million in the first year. She is also CEO of a SAP technology company, servicing Fortune 500 clients in Canada and US. Cindy is a graduate of Ivey School of Business at the University of Western Ontario.

JEFF LEVY (Lawyer)

Jeff is responsible for advising and counselling on mortgages and mortgage transactions.

Jeff is the managing partner at and co-founder of Levy Zavet PC, Lawyers. Jeff is practicing primarily in the areas of real estate, mortgages, corporate law, corporate finance, mergers and acquisitions, tax law, commercial finance and estate planning. Jeff is extremely experienced in drafting mortgage loan agreements and structuring multi-collateral, diverse payments and elaborate recovery provisions in every unique situation. His long history of experience in mortgage enforcement, power of sale, and foreclosures, has given him the knowledge to foretell viable exit strategies at the loan origination stage of almost every single mortgage deal.

Investment Strategy & Risk Management

How to Invest

What types of mortgages does Paramount Global MIC invest in and where?

We offer 1st and 2nd mortgages up to a loan to value of 80%. We lend on residential property located in urban and suburban areas. We focus on properties that are highly marketable.

How does Paramount Global MIC find mortgage borrowers?

Paramount Global MIC focuses on residential properties in urban and suburban areas that are highly marketable. Paramount Global MIC’s clients are self-employed, new immigrants and borrowers with soft, poor or no credit. We mitigate the risk with our proprietary underwriting model

We deal strictly through licensed mortgage brokers and licensed agents. There are reportedly over 10,000 mortgage brokers and agents in Ontario. These represent our external sales force; identifying and referring mortgage.

Are Paramount Global MIC regulated?

Yes. In fact, in 1972, the Canadian government created provisions within the Residential Mortgage Financing Act to specifically allow for the creation of mortgage investment corporations. Paramount Global MIC is also specifically regulated by Financial Services Commission of Ontario (FSCO), the Ontario Securities Commission (OSC), along with other securities regulators. Generally accepted accounting principles (GAAP) also apply. In other words, we’re audited, regulated and adhere to strict financial guidelines.

How is the mortgage market regulated?

In the province of Ontario the Financial Services Commission of Ontario (FSCO) licenses and regulates all mortgage brokers, agents and administrators. The Manager is a licensed administrator in Ontario.

What are the benefits of MIC investing?

  1. Real Estate Security: Mortgages purchased by the MIC are secured by Canadian Residential Real Estate.
  2. RRSP /TFSA/RESP Eligible: Hold your RiverRock MIC in a self-directed RRSP/TFSA/RESP.
  3. Superior Returns: Earn 8% per year compared with 1% on GICs
  4. Professional Management: The managers of Paramount Global MIC have years of mortgage investment experience.
  5. Diversification: Investors own a diversified portfolio of mortgage loans.
  6. Regular Income: Investors receive their dividends on a monthly basis.

What risks are associated with investing in a MIC?

All our mortgages are registered on the title of the property. We know the market, and the homes you drive by everyday. We lend based on the appraisal value done by professional appraisers. Our maximum loan value ratio is set at 80%.

Our mortgages have the same legal security as the mortgages from banks or other institutional lenders. All related legal work is performed by a lawyer or notary public for Paramount Global MIC. There is no guaranty, however your investment will not fluctuate.

Although real estate investing is considered one of the safest investments, risks still exist in mortgage lending. All property investments are subject to elements of risk. Property value is affected by general economic conditions, local real estate markets, the attractiveness of the property to tenants, competition from other available properties and other factors. While independent appraisals are required before the corporation may make any mortgage investment, the appraised values provided therein, even where reported on an “as is” basis, are not necessarily always reflective of the market value of the underlying property, which may fluctuate.

The MICs’ income and funds available for distribution to security holders would be adversely affected if a significant number of borrowers were unable to pay their obligations. Upon default by a borrower,Paramount Global MIC may experience delays in enforcing its’ rights as lender and could incur costs in protecting its investment.

To mitigate these risks, the experienced team of Underwriters at Paramount Global MIC review every application to reduce the possibility of non-performing loans. Furthermore, strict loan to value guidelines and a proactive approach to collections ensure enough equity is available to recover outstanding loan balances in case of foreclosure.

When can I purchase my share? What is the minimum investment?

Preferred shares can be purchased at the beginning of every month. Our minimum investment is $10,000, once the minimum investment has been made, additional shares may be purchased with a minimum increment amount of $5,000.

Is my money locked in? What happens if I die or I need the money?

Paramount Global MIC has a 24 month redemption period with early redemption fee(4% within first year and 2.5% between first and second year). After 24 momths, an investor can withdraw their funds simply by advising us in writing so that a redemption notice received will be effective within 15 days of the end of the quarter following the quarter in which the redemption request is received.

For income tax purposes, the returns that our investors receive are treated as interest, not as dividends.

How do I invest funds from my RRSP, TFSA or RESP in Paramount Global MIC?

Paramount Global MIC h supports investments from within a variety of registered plan types. We have selected COlympia Trust Company as our trustees for this purpose, due in part to their excellent support for MIC investments.


GPS Accuracy #global #positioning #system, #gps, #performance, #accuracy, #accurate, #precision, #precise, #standard #positioning #service, #sps,


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GPS Accuracy

How accurate is GPS?

It depends. GPS satellites broadcast their signals in space with a certain accuracy, but what you receive depends on additional factors, including satellite geometry, signal blockage, atmospheric conditions, and receiver design features/quality.

For example, GPS-enabled smartphones are typically accurate to within a 4.9 m (16 ft.) radius under open sky (view source at ION.org ). However, their accuracy worsens near buildings, bridges, and trees.

High-end users boost GPS accuracy with dual-frequency receivers and/or augmentation systems. These can enable real-time positioning within a few centimeters, and long-term measurements at the millimeter level.


Recent FAA data shows their high quality, single-frequency GPS receivers attaining horizontal accuracy of 1.891 m (6.2 ft.), 95% of the time. Download source (16 MB PDF)

Why does GPS sometimes show me in the wrong place?

Many things can degrade GPS positioning accuracy. Common causes include:

  • Satellite signal blockage due to buildings, bridges, trees, etc.
  • Indoor or underground use
  • Signals reflected off buildings or walls ( multipath )

Far less common causes may include:

  • Radio interference or jamming
  • Major solar storms
  • Satellite maintenance/maneuvers creating temporary gaps in coverage
  • Improperly designed devices that do not comply with GPS Interface Specifications

In many cases, a device’s GPS hardware is working fine, but its mapping software is faulty. For example, users are often misled by:

  • Incorrectly drawn maps
  • Mislabeled businesses and other points of interest
  • Missing roads, buildings, communities, etc.
  • Incorrectly estimated street addresses

The U.S. government cannot correct mapping errors in consumer devices. Please report them to the responsible parties using the links in our Address, Route, and Map Problems section. Go there

For help with GPS problems that are not mapping errors, please visit our GPS Service Outages Status Reports page. Go there

What is the government’s commitment to GPS accuracy?

The government is committed to providing GPS at the accuracy levels specified in the GPS Standard Positioning Service (SPS) Performance Standard. View document

The accuracy commitments do not apply to GPS devices, but rather to the signals transmitted in space. For example, the government commits to broadcasting the GPS signal in space with a global average user range error (URE) of 7.8 m (25.6 ft.), with 95% probability. Actual performance exceeds the specification. On May 11, 2016, the global average URE was 0.715 m (2.3 ft.), 95% of the time.

To be clear, URE is not user accuracy. User accuracy depends on a combination of satellite geometry, URE, and local factors such as signal blockage, atmospheric conditions, and receiver design features/quality.

User Range Error (URE) vs. User Accuracy


To calculate its position, a GPS device measures its distance (range) from multiple GPS satellites. URE is a measure of ranging accuracy. User accuracy refers to how close the device’s calculated position is from the truth, expressed as a radius.

The ongoing GPS modernization program will further improve accuracy for civilian and military users. Learn more

Is military GPS more accurate than civilian GPS?

The user range error (URE) of the GPS signals in space is actually the same for the civilian and military GPS services. However, most of today’s civilian devices use only one GPS frequency, while military receivers use two.

Using two GPS frequencies improves accuracy by correcting signal distortions caused by Earth’s atmosphere. Dual-frequency GPS equipment is commercially available for civilian use, but its cost and size has limited it to professional applications.

With augmentation systems, civilian users can actually receive better GPS accuracy than the military. Learn more

Doesn’t the government degrade civilian GPS accuracy?

No. During the 1990s, GPS employed a feature called Selective Availability that intentionally degraded civilian accuracy on a global basis.

In May 2000, at the direction of President Bill Clinton, the U.S. government ended its use of Selective Availability in order to make GPS more responsive to civil and commercial users worldwide.

The United States has no intent to ever use Selective Availability again. Learn more

Did we fail to answer your question?

Please send us a note and tell us what you want to learn about GPS accuracy.

Some links on this page lead to content in the Portable Document Format (PDF) and may require you to install PDF software. Get software


Global Health Sciences PhD #ucsf #global #health


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Global Health Sciences PhD

applying transdisciplinary knowledge to address health problems of global importance

The PhD in Global Health Sciences is a transdisciplinary program that trains doctoral students on research methods and modes of inquiry drawn from public health, epidemiology, biostatistics, public policy, development studies, and the social sciences to explore and address global health problems. Graduates are prepared for careers in research, policy, organizational leadership, and academia.

Students focus their health systems research in one of two areas of specialization, Clinical or Social and Behavioral Science, which represent the major strengths and active research programs of UCSF Global Health Sciences. Students integrate research methods such as epidemiologic methods, biostatistics, qualitative methods, mixed methods, and implementation science.

The PhD program is structured as a four-year degree. Students first complete a 48-unit curriculum in residence at UCSF, including research rotations, doctoral seminars, electives, and teaching assistantships. Students learn the range of perspectives on global health problems and their solutions through the transdisciplinary curriculum. After successfully completing the qualifying examination in the second year, students will spend the next six quarters focused on their dissertation research.

UCSF Global Health Sciences (GHS) was established in 2003 by Founding Executive Director Haile T. Debas to create a vision and provide institutional leadership for global health at UCSF. Reporting directly to Chancellor Sam Hawgood, GHS underscores UCSF’s commitment to global health and to the care of vulnerable populations at home and throughout the world. Note that GHS also offers a master’s program in Global Health .

faculty
More than 60 faculty members from UCSF’s four professional schools (Medicine, Pharmacy, Dentistry and Nursing) and the Graduate Division, as well as from other UC campuses, teach and mentor the doctoral students.

Because this program launched in 2016, we do not yet have statistics related to time to degree or career outcomes. Information will be posted here as it becomes available.

The GHS education program office is located at the UCSF Mission Bay campus. Visit the program website for more information.

The Global Health Sciences PhD program is offered by the UCSF Graduate Division.
Programs in Global Health Sciences, unlike other programs at UCSF, are not administered by any of the UCSF Schools; GHS reports directly to the chancellor.
Courses are delivered by faculty members from all UCSF Schools and many departments.
Photo above by Emily Hall, PhD candidate


Lead Poisoning And The Brain – Cognitive Deficits And Mental Illness #lead #and #the #brain,


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Lead Poisoning And The Brain – Cognitive Deficits And Mental Illness

By Michelle Naylor – Behavioural Health Sciences, Sydney University
Fact Sheet created 21 October 2005

Over the past few decades, research on the neurotoxic effects of lead has predominantly focused on cognitive deficits in children and infants. Evidence demonstrating various learning and behavioural problems resulting from lead exposure is voluminous, and links have been discovered between lead-poisoned children and deficits in a variety of functions.

Some problems observed in the classroom by Anne Winner (1994) that have been associated with lead poisoning include a mild decrease in IQ, slower response time, central auditory processing problems, word finding difficulties, sequencing difficulties, and perceptual integration problems.

Even at low BPb levels, lead exposure has been associated with deficits in the early developmental years. Canfield et al. s study (2003) on the effects of low level lead poisoning ( 10 �g/dL) on cognitive functioning in children and infants, found that IQ declined 7.4 points as average blood lead concentrations increased from 1 �g/dL to 10 �g/dL, and then declined 4.6 points for every 10 �g/dL increase after that.

These studies and others have provided strong support for the role of Pb as a neurotoxin in children and infants. So how do developmental disturbances caused by exposure to lead manifest later in life?

Young children and infants are the most vulnerable to the effects of lead poisoning. It can, however, have a detrimental effect on the cognitive abilities of adults as well.

A case study on adult monozygotic twins with lead poisoning, both who were retired painters, had typical patterns of cognitive difficulties following chronic lead exposure. This pattern included predominant impairments in the domains of attention/executive function, visuospatial/visual motor functioning, short-term memory, and (for one of the brothers) confusion and fatigue. After exposure to toxicants such as lead in adulthood, cognitive deficits tend to be specific, not generalized, and not affecting language centres in the brain (Weisskopf et al. 2004).

Lead exposure has also been linked to behavioural problems. In his landmark study, Needleman (1979) measured dentine Pb levels in 312 first-and second-grade students (mean age 7.3 years), and administered neurobehavioural tests. The results showed that behavioural and performance problems in primary school children were more prevalent with increasing dentine (teeth) lead levels. These behavioural problems included hyperactivity, distractibility, impulsivity, disorganisation, non-persistence, inability to follow simple instructions and overall poor functioning.

When the subjects were re-examined in 1988 (mean age 18.4 years), results showed that increased dentine Pb levels were associated with an increased risk of not graduating from high school, reading difficulties significant enough to be defined a disability, lower class standing in high school, increased absenteeism, lower vocabulary and grammatical-reasoning scores, increased reaction times, and slower finger tapping (Needleman, 1990). Lead levels were also inversely related to self-reports of minor delinquent activity. It was concluded on the basis of these results that exposure to lead in childhood is associated with deficits in neurobehavioural functioning later in life.

These and other studies such as those by Needleman (2002), in which elevated body bone lead concentrations were found to be associated with elevated risk for adjudicated delinquency, and Dietrich et al (2001), support the relationship between lead exposure and juvenile delinquency. Given these findings, and the results of studies such as those by Serene Olin and Mednick (1996) in which people with schizophrenia were more likely to have had behavioural problems before the onset of the disorder then the general population, it was only a matter of time before the effects of lead poisoning on psychological function were to be investigated.

The results from this study are consistent with the neurodevelopmental hypothesis of schizophrenia, which posits that the illness is related to abnormal brain development (Nopoulos et al, 1995; Marenco Weinberger, 2000).

At a conference in early 2004, research findings were presented on a study that examined the relationship between lead exposure during the second trimester of pregnancy and schizophrenia. The longitudinal study involved 20 000 people who were born between 1959 and 1967. The mothers were identified at their first prenatal visit, and blood samples were taken at every prenatal visit. The man who initiated the study, Jacob Yerushalmi had since died, and Opler et al. (2004) followed up the schizophrenia outcomes. Potential cases of schizophrenia spectrum disorder from Yerushalmi s study were identified using computerized records from inpatient, outpatient, and pharmacy databases. After standardized procedures involved in making or confirming diagnoses were carried out, forty-four of the seventy one cases established as having a schizophrenia spectrum disorder had second trimester maternal serum samples available for analysis. Because only serum samples, and, not whole blood specimens were available for analysis, an indirect biologic marker of lead exposure, d -aminolevulinic acid (d -ALA), was used to determine blood lead levels. Mid-pregnancy serum samples were sought for this analysis, because, unlike in the very early and very late stages of pregnancy, much more is known about the behaviour of d -ALA in the mid-pregnancy period. The results indicated that during mid-gestation, if levels of d -ALA are high (=15 �g/dL), the chance of having schizophrenia later in life is doubled.

On the basis of these results, the authors have suggested that more study is required to further establish, and to investigate possible biological mechanisms involved in the relationship between elevated blood lead levels during the second trimester of pregnancy and the development of schizophrenia.

The damage that lead poisoning can have on the neuropsychological functioning of the central nervous system can be devastating. It can affect anybody, at any age, although children are most often the worst affected, as their cognitive development can be disrupted. Now we are beginning to realize that there are consequences beyond what was once thought the neurological endpoint for this harmful substance, and hopefully we will one day fully understand the mechanisms by which lead destroys the mind.

  1. Canfield R, Henderson C, Slechta D, Cox C, Jusko T Lanphear B (2003) Intellectual Impairment in Children with Blood Lead Concentrations below 10�g per Decilitre The New England Journal of Medicine Vol. 348(16): 1517-1526, Massachusetts Medical Society, United States [LID 7088]
  2. Dietrich KN, Ris MD, Succop PA, Berger OG Bornschein RL (2001) Early Exposure to Lead and Juvenile Delinquency Journal of Neurotoxicological Teratology
  3. Vol. 23(6): 511-8, [LID 7402]
  4. Marenco S Weinberger DR (2000) The Neurodevelopmental Hypothesis of Schizophrenia: Following a Trail of Evidence from Cradle to Grave Developmental Psychopathology Vol. 12(3): 501-27
  5. Nopoulos P, Torres I, Flaum M, Andreasen NC, Ehrhardt JC Yuh WT (1995) Brain Morphology in First-Episode Schizophrenia American Journal of Psychiatry Vol. 152(12): 1721-3
  6. Needleman HL, Gunnoe C, Leviton A, Reed R, Peresie H, Maher C Barrett P (1979) Deficits in Psychologic and Classroom Performance of Children with Elevated Dentine Lead Levels The New England Journal of Medicine Vol. 300(13): 689-695, [LID 7454]
  7. Needleman HL, McFarland C, Ness RB, Fienberg SE Tobin MJ (2002) Bone Lead Levels in Adjudicated Delinquents: A Case Control Study Neurotoxicology and Teratology Vol. 24(6): 711-717
  8. Needleman HL, Schell A, Bellinger D, Leviton A Allred EN (1990) The long-term effects of exposure to low doses of lead in childhood: An 11-year follow-up report The New England Journal of Medicine Vol. 322(2): 83-88
  9. Opler MGA, Brown AS, Graziano J, Desai M, Zheng W, Schaefer C, Factor-Litvak P Susser ES (2004) Prenatal Lead Exposure, d -Aminolevulinic Acid and Schizophrenia Environmental Health Perspectives Vol. 112(5), [LID 7408]
  10. Serene Olin S Mednick S (1996) Risk Factors of Psychosis: Identifying Vulnerable Populations Premorbidly Schizophrenia Bulletin Vol. 22(2): 223-40 [LID 7462]
  11. Swan N (interviewer); Opler MGA, Susser E Jones P (2004) Schizophrenia Risks The Health Report, Radio National, Australian Broadcasting Commission (ABC) March 8, 2004 [LID 7409]
  12. Weisskopf MG, Howard H, Mulkern RV, White R, Aro A, Oliveira S Wright RO (2004) Cognitive Deficits and Magnetic Resonance Spectroscopy in Adult Maonozygotic Twins with Lead Poisoning Environmental Health Perspectives Vol. 112(5)
  13. Winner A (1994) The Early Lead Poisoned Child in the Classroom: Symptomatology and Intervention for School Psychologists and School-Based Personnel, in LEAD Action News Vol. 2(3), The LEAD Group Inc, Australia [LID 322]

The LEAD Group Inc. Fact Sheet Index


Free websites #free #websites,registry #directory #of #organizations,teams,pta,pto,non #profit,scout,social,members,organization #management,clubs,groups,associations,search #engine,events,global #neighborhood,orgsites.com


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Friday June 09, 2017
19:48 PST

FOR U.S. NONPROFITS
AND NONCOMMERCIAL GROUPS.

Let OrgSites give your nonprofit or noncommercial organization a free website or local news page that you can update any time. And be sure to join the free ORGSITES DIRECTORY so readers can find your group online in an instant.

Perfect for government, community, and volunteer groups, PTAs/PTOs and schools, organizations and subchapters, historical and educational societies, sports teams, health support groups, chambers of commerce, neighborhood, political and religious organizations.

Our most frequent comment from our users: �OrgSites is too good to be true� . The reason — OrgSites is 100% supported by philanthropic funds designated for the betterment of our communities. We do not advertise or solicit advertising money. We do not track our members activities or maintain information for any reason other than the member’s benefit. Please review �terms of use�. Groups may use their sites for fund-raising as long as it is for the benefit of that non-commercial group and not for individual benefit.

OrgSites is the largest non-commercial provider of websites for organizations. OrgSites is also recognized for it’s very fast display times (faster than 96% of all sites) by a leading tracking company.

OrgSites has put together a “Resource Center”. We encourage any current member to make suggestions on how to enhance an OrgSite using outside providers. This may include direct links to photo sites or sites that provide various web tools or website building instruction. We will display this information at the bottom of the FAQ section in the lower right column of OrgSites.com front page.

This is what you’ll receive with an OrgSites website:

  • A professionally designed website that anyone can create and maintain. No webmaster, no difficult programming, no fees. Update as often as you like. See great examples in “Featured Sites” at right.
  • Ten extra pages to use as you like. Add photos, graphics, and charts wherever you want.
  • Email and membership functions so you can keep a membership list and email all your members with the press of a button.
  • An Events Manager to post meetings and events and list them in the OrgSites master events list.
  • A Links Section to list links to other sites.
  • Every OrgSite has the option to list in the ORGSITES DIRECTORY, a comprehensive directory of U.S. organizations on the Internet. Viewers will find you in an instant.

AND WE’VE DONE IT ALL WITHOUT ADVERTISING, SO THERE ARE NO ADS TO HOST.

* We are CLEANING our server of Fake, Abandoned, Offensive and/or non-compliant sites.
* ALL New signups frozen.
* We will allow new sites when complete.

Perhaps you run a chapter or subdivision of an organization that already has a main or parent site, so you don’t need a full-scale website, but you’d like to have an Internet presence for your local membership that you can maintain yourself. A NewsBar might be perfect for your group.

A NewsBar is an information bar specific to your group (you’ll have your own URL) that you can display on the bottom of a parent site. (We recommend seeking permission for this from the parent site.) Visitors to your Web address will see the main site as “background” with your group’s News in a pop-up window and your NewsBar (containing Events and Links) displayed along the bottom of the main site. Readers can view the parent site and your NewsBar in one visit. The NewsBar is solely in your control and contains no advertising. And your organization will automatically be listed in the ORGSITES DIRECTORY.

* We are CLEANING our server of Fake, Abandoned, Offensive and/or non-compliant sites.
* ALL New signups frozen.
* We will allow new sites when complete.

ORGSITES DIRECTORY – List Your URL

Do you already have a website? List it in the ORGSITES DIRECTORY, FOR FREE. Your site will appear on OrgSites with an empty NewsBar on the bottom. All NewsBar features will be off, but you can turn them on any time you like. Use the Events Manager to enter your organization’s events into OrgSites’ event database. The NewsBar is solely in your control and will contain no advertising.

* We are CLEANING our server of Fake, Abandoned, Offensive and/or non-compliant sites.
* ALL New signups frozen.
* We will allow new sites when complete.


Paramount Global M #hamp #mortgage


#paramount mortgage

#

Hassle free investment

Investment secured by real estate

Stable cash flow

What We Invest

What is Mortgage Investment Corporation (MIC)?

Mortgage Investment Corporation or MIC is an investment and lending company designed specifically for mortgage lending in Canada. Governed by Section 130.1 of the Income Tax Act, MICs pay no corporate tax and act as flow-through entities and have to pay out all their taxable income in the form of dividends. Owning shares in a mortgage investment corporation enables you to invest in a company which manages a diversified pool of mortgages.

WHERE THE MONEY GOES

Sample Case 1: text123
Property location: Midtown, Torotno
Property Value: $1,500,000, Single family house
Borrowing Amount: $150,000
LTV: 77%
Term: 1Y
Return: 10%
Borrower info: Lawyer, Borrow money for closing his new house

Sample Case 2: Text123
Property location: Ajax, Ontario
Property Value: $600,000, Single family house
Borrowing Amount: $30,000
LTV: 84%
Term: 6 month
Return: 12%
Borrower info: Car mechanics, pay off debt

Sample Case 3: Text 123
Property location: Oakville, Ontario
Property Value: $900,000, Single family house
Borrowing Amount: $80,000
LTV: 81%
Term: 1Y
Return: 11%
Borrower info: Online business in cosmetics, renovating the house

Fund Fact

Management Team

VICKY HUANG (CEO)

Vicky is responsible for overseeing the day-to-day operations of the firm, building both new and existing business, and implementing overall strategy.

Vicky is the co-founder of Bay Street Real Estate Investment and Ubene Technologies. Vicky has developed a reputation for leading from the front line, working with teams and clients in developing and executing business plans which resulted in the advancement of the key strategic initiatives of each firm. Vicky had worked years in the capital market department of TD, RBC and IBM. Vicky obtained her Master degree from University of Toronto in 2005, and has completed the Real Estate Management Program from Harvard Business School in 2012.

Cindy Shen (President)

Cindy is a serial entrepreneur, with a passion for building financial companies and technologies to make lending easier and faster for everyone involved. Cindy has more than a decade of banking experience, and is a private lender herself, building a pipeline of deals exceeding 10 million in the first year. She is also CEO of a SAP technology company, servicing Fortune 500 clients in Canada and US. Cindy is a graduate of Ivey School of Business at the University of Western Ontario.

JEFF LEVY (Lawyer)

Jeff is responsible for advising and counselling on mortgages and mortgage transactions.

Jeff is the managing partner at and co-founder of Levy Zavet PC, Lawyers. Jeff is practicing primarily in the areas of real estate, mortgages, corporate law, corporate finance, mergers and acquisitions, tax law, commercial finance and estate planning. Jeff is extremely experienced in drafting mortgage loan agreements and structuring multi-collateral, diverse payments and elaborate recovery provisions in every unique situation. His long history of experience in mortgage enforcement, power of sale, and foreclosures, has given him the knowledge to foretell viable exit strategies at the loan origination stage of almost every single mortgage deal.

Investment Strategy & Risk Management

How to Invest

What types of mortgages does Paramount Global MIC invest in and where?

We offer 1st and 2nd mortgages up to a loan to value of 80%. We lend on residential property located in urban and suburban areas. We focus on properties that are highly marketable.

How does Paramount Global MIC find mortgage borrowers?

Paramount Global MIC focuses on residential properties in urban and suburban areas that are highly marketable. Paramount Global MIC’s clients are self-employed, new immigrants and borrowers with soft, poor or no credit. We mitigate the risk with our proprietary underwriting model

We deal strictly through licensed mortgage brokers and licensed agents. There are reportedly over 10,000 mortgage brokers and agents in Ontario. These represent our external sales force; identifying and referring mortgage.

Are Paramount Global MIC regulated?

Yes. In fact, in 1972, the Canadian government created provisions within the Residential Mortgage Financing Act to specifically allow for the creation of mortgage investment corporations. Paramount Global MIC is also specifically regulated by Financial Services Commission of Ontario (FSCO), the Ontario Securities Commission (OSC), along with other securities regulators. Generally accepted accounting principles (GAAP) also apply. In other words, we’re audited, regulated and adhere to strict financial guidelines.

How is the mortgage market regulated?

In the province of Ontario the Financial Services Commission of Ontario (FSCO) licenses and regulates all mortgage brokers, agents and administrators. The Manager is a licensed administrator in Ontario.

What are the benefits of MIC investing?

  1. Real Estate Security: Mortgages purchased by the MIC are secured by Canadian Residential Real Estate.
  2. RRSP /TFSA/RESP Eligible: Hold your RiverRock MIC in a self-directed RRSP/TFSA/RESP.
  3. Superior Returns: Earn 8% per year compared with 1% on GICs
  4. Professional Management: The managers of Paramount Global MIC have years of mortgage investment experience.
  5. Diversification: Investors own a diversified portfolio of mortgage loans.
  6. Regular Income: Investors receive their dividends on a monthly basis.

What risks are associated with investing in a MIC?

All our mortgages are registered on the title of the property. We know the market, and the homes you drive by everyday. We lend based on the appraisal value done by professional appraisers. Our maximum loan value ratio is set at 80%.

Our mortgages have the same legal security as the mortgages from banks or other institutional lenders. All related legal work is performed by a lawyer or notary public for Paramount Global MIC. There is no guaranty, however your investment will not fluctuate.

Although real estate investing is considered one of the safest investments, risks still exist in mortgage lending. All property investments are subject to elements of risk. Property value is affected by general economic conditions, local real estate markets, the attractiveness of the property to tenants, competition from other available properties and other factors. While independent appraisals are required before the corporation may make any mortgage investment, the appraised values provided therein, even where reported on an “as is” basis, are not necessarily always reflective of the market value of the underlying property, which may fluctuate.

The MICs’ income and funds available for distribution to security holders would be adversely affected if a significant number of borrowers were unable to pay their obligations. Upon default by a borrower,Paramount Global MIC may experience delays in enforcing its’ rights as lender and could incur costs in protecting its investment.

To mitigate these risks, the experienced team of Underwriters at Paramount Global MIC review every application to reduce the possibility of non-performing loans. Furthermore, strict loan to value guidelines and a proactive approach to collections ensure enough equity is available to recover outstanding loan balances in case of foreclosure.

When can I purchase my share? What is the minimum investment?

Preferred shares can be purchased at the beginning of every month. Our minimum investment is $10,000, once the minimum investment has been made, additional shares may be purchased with a minimum increment amount of $5,000.

Is my money locked in? What happens if I die or I need the money?

Paramount Global MIC has a 24 month redemption period with early redemption fee(4% within first year and 2.5% between first and second year). After 24 momths, an investor can withdraw their funds simply by advising us in writing so that a redemption notice received will be effective within 15 days of the end of the quarter following the quarter in which the redemption request is received.

For income tax purposes, the returns that our investors receive are treated as interest, not as dividends.

How do I invest funds from my RRSP, TFSA or RESP in Paramount Global MIC?

Paramount Global MIC h supports investments from within a variety of registered plan types. We have selected COlympia Trust Company as our trustees for this purpose, due in part to their excellent support for MIC investments.


FACT CHECK: Did 58 Scientific Papers Published in 2017 Say Global Warming is a Myth?


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Did 58 Scientific Papers Published in 2017 Say Global Warming is a Myth?

RATING

ORIGIN

On 6 June 2017, Breitbart News ran an article titled “‘Global Warming’ Is a Myth, Say 58 Scientific Papers in 2017”. This article, which is in essence merely a link to a post from a blog that goes by the name “No Tricks Zone” and some added musings on “grant-troughing scientists,” “huxter politicians, scaremongering green activists, and brainwashed mainstream media environmental correspondents, claims that this ragtag collection of studies proves that the long-standing scientific consensus on climate change is nothing but a myth.

The blog post Breitbart linked to is a list of 80 graphs (so many graphs!) taken from 58 studies. The analysis of the findings presented by No Tricks Zone is crude, misinformed, and riddled with errors.

The basic thesis presented by No Tricks Zone is that these graphs, which are inferred records of things like temperature and precipitation from specific localities through time, show that the climatological changes happening right now are neither dramatic nor man made. The charts highlight times from the somewhat recent pre-industrial past that were either warmer or more dramatically variable then they are now, or show evidence of change attributed to clear natural causes. As Breitbart puts it:

What all these papers argue in their different ways is that the alarmist version of global warming — aka Catastrophic Anthropogenic Global Warming (CAGW) — is a fake artefact.

This is false. We reached out to many of the authors of the studies included on this list via email to see if they agreed with Breitbart and No Tricks Zone’s analysis. While not everyone we reached out to responded, not a single researcher that we spoke to agreed with Breitbart s assessment, and most were shocked when we told them that their work was presented as evidence for that claim.

A representative response came from Paul Mayewski, author of one of the studies included on the No Tricks Zone list and director of the University of Maine’s Climate Change Institute:

They are absolutely incorrect. Quite the opposite, the paper deals with the impacts of greenhouse gas warming and Antarctic ozone depletion — both human caused — and describes future scenarios. Yet another example of downright lies.

Outside of the fact that all of these papers have squiggly lines that represent climatological change through time, they cover a diverse range of highly technical topics and have little in common with each other. In many cases, listed studies are applicable only to a very specific region and were created not to investigate the influence of humans on climate, but to understand how the climate system works in general.

This was the case for University of Washington PhD candidate Bradley Markle, whose paper ( Global Atmospheric Teleconnections During Dansgaard-Oeschger Events ) was also included in the No Tricks Zone:

My study, and almost all I saw mentioned on the blog post, are studies of climate change in the past. My study investigates connections between different parts of the climate system during climate events that happened over 10,000 years ago. Studying climate change in the past can provide context for recent climate change. However, my study in no way investigates or tries to attribute the causes of recent climate change. It does not deal with human influences on climate at all.

This echoes the response of USGS research scientist Julie Richey, whose paper ( Multi-Species Coral Sr/Ca-based Sea-Surface Temperature Reconstruction Using Orbicella Faveolata and Siderastrea Siderea from the Florida Straits ) really resonated with the Breitbart science desk:

Our paper presents a 280-year sea surface temperature record based on the ratio of strontium to calcium in corals we sampled in the Dry Tortugas National Park. It shows that sea surface temperatures measured over many decades in the Florida Straits are variable, and that variation has been dominated for nearly the past three centuries by a natural oscillation called the Atlantic Multidecadal Oscillation. [ ] Neither of these findings refutes the role of anthropogenic activity in global climate change.

Many researchers told us that, even by the crude metrics of the No Tricks Zone post, and even without intending to address anthropogenic climate change in their research, their papers data actually support anthropogenically driven recent warming. This was the case for Claremont McKenna professor Branwen Williams, whose paper ( North Pacific 20th Century Decadal-Scale Variability Is Unique for the Past 342 Years ) was featured:

I do not agree with this assessment of my work. The seawater temperature data clearly show a warming.

In other cases it appears that the analysis provided by the author of the No Tricks Zone post was so superficial that the graphs pulled from some studies were not actually part of any new dataset, but comparison datasets from earlier studies. Geologist Fatima Abrantes’ paper “Historical Climate off the Atlantic Iberian Peninsula” fell victim to this oversight:

The article on Breitbart.com is so bad that the author did not even realize that the figure extracted from my paper is not my new data record but the record of the northern Spain atmospheric temperature anomaly, produced by [another group in 2011] that I have used for comparison. [ ] [Our] results agree with both the global and regional projections that indicate this region of Europe with highest potential vulnerability in regard to current global warming.

These charts, when accurately cited, provide ammunition against two clearly false straw man arguments invented by No Tricks Zone: 1) That climatic change happens in concert and in the same way uniformly around the globe, and that 2) evidence of any natural force influencing climate is — at the same time — also evidence against the notion that humans are playing a role in current climatic change. The fact that the 1257 Samalas eruption altered grape harvests, as one study in the post demonstrated, does not mean humans cannot also alter climate, as the No Trick Zone post implied.

We rank the claims made by both Breitbart and No Tricks Zone as false, because they dramatically misrepresent the findings of the scientists who conducted the research and utilize poorly-articulated straw man arguments to further misrepresent the significance of the work of those scientists. These studies were local in nature, narrow in scope, meant to address how the climate system functioned in the past, and pose no threat to the tenets of anthropogenic climate change.

Global warming, as implied by the name, is a global process. That does not, however, mean that every part of the globe reacts to this process in the same way or at the same rate, or even at all. Richey, the author of the USGS Florida sea-surface temperature record, succinctly described this fallacy:

Anthropogenic climate change is characterized by variable climate responses across the globe. No climate record taken at a single point in space is representative of the global climate.

Got a tip or a rumor? Contact us here .


International Business Etiquette and Manners for Global Travelers – Understanding cultural diversity, cross cultural communication,


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The Web’s leading resource for

International Business Etiquette, Manners, Culture

Etiquette, manners, and cross cultural, or intercultural communication have become critical elements required for all International and Global Business executives, managers, and employees. As international, multinational, transnational, multi domestic, and global business continues to expand and bring people closer, the most important element of successful business outcomes may be the appreciation and respect for regional, country, and cultural differences – known as cultural diversity.

Learning the skills of proper etiquette . manners, and intercultural communication contained in these pages of the International Business Etiquette and Manners website will give you a wealth of information and resources that you can immediately apply during your international business travels and overseas assignments. In fact, you may want to print a copy to review during your next international flight.

This Site is recommended and used by college professors to teach their business school students the importance of understanding the uniqueness of cultures around the world and how to apply the skills of proper business etiquette and manners to become more successful. Geert Hofstede’s work on cultural dimensions has been integrated into each Country’s page to help students better understand underlying cultural differences.

Each Country’s page on this Site has the following format:

Brief description of the country’s population, cultural heritage, language, and religion.

Special or unique notes, thoughts, or comments about the country

Having insight into the cultural dynamics of a country can be very helpful to understand why people act the way they do, and the appropriate way you should act while in that country. To assist with this understanding, each country page contains a Geert Hofstede Analysis. Geert Hofstede developed a model that identifies four primary dimensions to differentiate cultures. Explanation of Geert Hofstede Dimensions and see Hofstede Scores

Highlights the religious diversification within the country

Highlights business etiquette do’s and don’ts involving Dress, Clothing, Body Language, and Gestures

Highlights business etiquette do’s and don’ts involving Dining, Gifts, Meetings, and General behavioral guidelines

Highlights business etiquette do’s and don’ts involving Greetings, Introductions, and Conversational guidelines

A guide is located at the bottom of each Country’s Page listing Websites and reading materials applicable to that Country.

To reach an individual Country, Region, Resource, or Feedback – Click below


Canadian Web Conferencing #global #crossing #web #meeting


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Canadian Web Conferencing

Canadian Web Meeting delivered by Global Crossing

Teleconference Canada s Web Meeting is a special offering tailored for businesses in Canada. It combines ease-of-use and sophisticated marketing tools to increase audience engagement and interaction for improved ROI and more productive meetings. Fully integrated with Ready-Access® audio conferencing, it enables Canadian businesses to communicate anytime, with anyone, virtually anywhere. Using Web Meeting, participants can join meetings with ease because there are no complicated downloads or special software requirements.

  • Manage Audio-Web conference with easy point-and-click conference commands
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  • Show slide presentations, desktop and applications to meeting participants
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  • Designate multiple co-presenters in meeting to share content
  • Chat with participants
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  • Record and edit a conference Enjoy an easy-to-use podcasting tool to record, edit, label and publish rich media podcasts
  • Broadcast Audio with Event or Event Express audio conferences
  • Increase audience engagement with enhanced polling features to make meetings interactive, collaborative and productive
  • Start a conference quickly and easily, with no participant downloads required and a Flash-based player for participants, while a simple interface and industry-best platform and browser support makes Web Meeting easy to use
  • Expand your reach with sophisticated marketing tools that include the ability to share on social media sites, leverage content through recordings, and easily generate content and maximize ROI
  • Less expensive than GoToMeeeting, Adobe Connect and Microsoft Live Meeting
  • Fully integrated with Ready-Access® audio conferencing
  • One set of login numbers for audio and web
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  • Edit synchronized audio/web recordings online
  • Industry-best platform support for Windows, Mac and Linux operating systems
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Web Meeting delivered by Global Crossing is a full featured web conferencing service that enables rich, collaborative sharing of applications. These web conferencing services are offered by Teleconference Canada to businesses in Toronto, Quebec, and all Canadian provinces. We ll show you up front how much money you can save, fully manage your account, and help you get started right away.

Teleconference Canada
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Cloud Computing Market Share – Industry Report, 2023 #cloud #computing #market, #global #cloud #computing #industry


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Cloud Computing Market Size, Industry Analysis Report, Regional Outlook (U.S. Germany, UK, Italy, Russia, China, India, Japan, South Korea, Brazil, Mexico, Saudi Arabia, UAE, South Africa), Application Development, Price Trend, Competitive Market Share & Forecast, 2016 – 2023

Report ID: GMI346

Cloud computing market size is likely to witness significant gains from 2016 to 2023. Greater scalability coupled with faster access to infrastructure are anticipated to surge the demand growth.

North America, especially U.S. cloud computing market size accounted for over 50% total share in 2015. SaaS services, including collaborations, content communications along with customer relationship management is expected to boost regional revenue generation over the forecast period.

Cloud computing in an internet based technology that serves centralized data to remote devices connected through intranet or internet. It is a network where an application or program runs on a server and can be shared across several devices such as laptops, smartphones and personal computers. It ensures consumption-based billing and is also expected to witness significant adoption in several end use sectors. The above mentioned factors are likely to boost the industry demand over the forecast period. Strong outlook on the healthcare cloud computing market size, likely to exceed USD 13 billion by 2023, should drive industry demand.

The technology enables exploitation of data in order to sustain business conclusions while maintaining the IT cost down. In addition, it enables companies to leverage platform as a service for application deployment. The technology is mainly deployed by key players in applications such as Google Inc. for Gmail, Drop box Inc. for their Dropbox Storage, Google auto back up, Facebook, Ever note and Skype. The technology is mainly utilized in social media and healthcare sectors as it facilitates the sectors to reduce their capital expenditure by eliminating the cost of IT Infrastructure.

Large organizations makes use of private clouds in order to ensure reliability and security, while the smaller organizations requires public cloud services as they are cost efficient in nature. The conventional IT infrastructure involves developing, testing and deploying applications, which provides high investment as well as under utilization of resources. However, concerns regarding privacy, data access and security are the foremost factors hindering the demand growth over the coming few years.

The industry can be segmented on the basis of deployment models which include public cloud, hybrid cloud and private cloud. The industry can also be bifurcated on the basis of services which include software as a service (SaaS), advertising as a service (AaaS), business process as a service (BPaaS), platform as a service (PaaS), and infrastructure as a-service (IaaS). The industry can be segregated by IT capability into business processes, application and system application infrastructure. Key regions occupying significant cloud computing market share include Asia Pacific, North America, Europe, MEA and Latin America. Business processes can be further segmented into e-commerce, human resources and payment processing and accounted for more than 70% of the total industry share in 2014.

India cloud computing market size was valued over USD 1 billion in 2014. Advertising as a service market accounted for highest share owing to extensive usage in online advertising. Rising growth in e-commerce sector is also likely to boost the demand.

Hybrid cloud accounted for around 58% of industry share in 2014. Public cloud accounted for over 30% and private cloud accounted for about 5% in the same year. Hybrid cloud computing service model provides solution by combining public and private clouds. It integrates in-house IT infrastructure with other services and products to accomplish unique needs of the customers.

SaaS cloud computing market share accounted for over 49% revenue in 2014, IaaS accounted for around 28% and Paas accounted for over 18%. SaaS is utilized for the distribution of software so that the consumers can access over the Internet. It hosts the applications at its data center and a user contacts it with the help of any standard web browser.

The major players holding the global cloud computing market share include Amazon, Akamai Technologies, Hewlett Packet, VM-Ware, Yahoo, CA Technologies, Caspio and Dell among others. Major competitors for PaaS include Microsoft, Google and IBM among others. Key SaaS players are Google, Cisco, Demandware, Adobe and Hotmail among others. IaaS providers include Akamai, Joyent and GoGrid among others.

What Information does this report contain?

What was the historic market data from 2012 to 2015, what is the industry growth forecast from 2016 to 2024?