Time Payments , we are all working for time payments

Mr Scrooge, then called Benjamin Slade in his youth ,suggested the idea to Mr Brewster that people take furniture on credit, paying 10% down and paying a little each month with interest. He will do this for 18 months and by the time he is finished , he will pay 150% of the purchase price.

What if the purchaser cannot pay,was the next question. Mr Scrooge responded , then you repossess it and sell it back , you stand to make 200% of the purchase price.

Does this sound familiar??

I personally will not take furniture on credit , mainly because it is an item that is in depreciating value . But I see so many people doing it and I sigh. Then I am reminded that there persons who see this as the only option. Be wise.

The author is an attorney at law based in Trinidad.She specialises in AML/CFT and Fraud Risk Management . Website : http://asydneygroup.com.

What’s app 868 484-7778

Instagram @asydneygroup.com

#time #credit #creditcard #debt #hirepurchase #loans #appliances #goals #savings #investment #dream #timepayments

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Can I register more than one Company ?

Success follows success . After registering your first company , clients may ask you for additional services and you decide to incorporate another company .

Yes , it is possible to have more than one company registered . As you recall from registering your first company, a name search must be conducted to determine whether the selected name is available. The second step is to prepare the incorporation documents and have them filed at the registry . The necessary fees will be paid and within five to seven days the Certificate of Incorporation will be ready for your collection.

In a situation where the proposed company falls with the schedule of listed businesses,the company must be registered with the Financial Intelligence Unit (FIU) . For further assistance please contact Sydney at 1868484-7778. 

Website: http://asydneygroup.com/

There is an issue of the relevant taxes that must be paid for the new business .

#trinidad #director #bir #nis #taxes #legalaffairs #registry #corporatelaw #company #incorporate #sydneygroup #attorney #lawyer #companyregistration #financiaintelligenceunit #fiu #sydney

A Woman fulfilled is always beautiful

Beautiful women are rare. It is effortless ,she does not have to spend hours getting ready. She can wear a pair of sweat pants and a hat and she is stunning . She can wear male clothing ,cut her hair and she still is beautiful.

She has style ,she has class , she takes care of herself and her dependents. She walks in beauty,she lives by her own rules . She is living her dream , she is making her own money ,turning her own key . She wins sometimes,other times,she loses. She does the handy work around her house ,she cooks because she likes it ,not because she has to . She is faithful to herself ,she does not tolerate disrespect or abuse from her partner . She is fulfilled,living her dreams ,she is me.

The author is an attorney at law based in Trinidad.She specialises in AML/CFT and Fraud Risk Management . Website : http://asydneygroup.com.

What’s app 868 484-7778

Instagram @asydneygroup.com

 

What kind of work will you be doing in 10 years ?

My 5 year old neighbor asked me if I had to work today,I told her that it was a Saturday and I did not have to go to the office. She then asked me to describe my tasks during the day.I told her that I sat at a desk,used a computer,made presentations. I told her that there were no toys or snacks or nap time. She said she did not like the sound of the office.

I then asked her what type of work she would like to do when she grew up. She told me that she wanted to work in a company selling fried chicken,she called the same name of the place where her mother worked. She was not sure what she wanted to do specifically . She added that she would work and go to school. I asked her to explain,she indicated that by going to school , she would get a better job.

I was shocked. So I engaged her further . I asked her what she would do with the money that she earned from her job . She plainly said “pay bills”. I was mortified. At 5 years old she captured the dilemma of the current struggle. I analyzed her household , her mother worked at the fried chicken company,her grandmother worked at a security firm. Her 17 year old sister graduated from high school and she was at home . I know that it was only a matter of time before she started working on a plantation.

Strange times indeed. I told the 5 year old that she could own the building that housed the friend chicken company, I reminded her that she was smart and could be anything that she wanted to do . She smiled. I extend the same courtesy to you , you were meant for so much more than a job to pay bills . You can rule your destiny.

The author is an attorney at law based in Trinidad.She specialises in AML/CFT and Fraud Risk Management . Website : http://asydneygroup.com.

What’s app 868 484-7778

Instagram @asydneygroup.com

Say No to Bad Debt

She was advised that her position was made redundant and that her services were no longer required. She spent 12 years at the bank. She refused to accept the separation package and decided to ask for a transfer to another location or division of the bank. She was approaching 51 years and she considered herself to be a difficult hire. She was aware that the job market was tough and since she did not further her education post secondary school, her chances were limited.

I asked her why did her position suddenly become redundant. She told me that she refused to offer customers credit cards and loan facilities. She said that she lamented the indebtedness of the customers in the queue to pay off their credit cards. It was a refreshing view, that a bank employee did not believe in taking credit cards and loan facilities when it was not needed.

It is loan sale time. As the Christmas season approaches, there are jingles on all radio stations with loan promotions. I visited the bank to make my loan application. The loans officer offered me a credit card and $20,000 extra. I told her that I had no use for $20,000 cash currently. This also meant a longer period to repay the loan. I asked her whether the additional $20,000 could be placed in a mutual fund. That way, a lower interest rate would be offered. Also, the bank will hold the $20,000 as collateral. I agreed to this proposition.

A word to the wise, you may be offered a credit card or additional money by your friendly, neighborhood banker. But remember that if you do not need it, do not take it. The banks thrive on excessive interest rates and credit card late fees. If you do not need it, do not take it.

The author is an attorney at law based in Trinidad.She specialises in AML/CFT and Fraud Risk Management . Website : http://asydneygroup.com.

What’s app 868 484-7778

Instagram @asydneygroup.com

Why Worry??????????

What are you worrying about, you have me, he reassured. I listened to the differently abled man on the bus. He was telling his friend that he knew of a program that could earn $60,000 a year. He was explaining this to the man and trying to get him to invest in the program as well. The man was being cautious and expressing his concerns. But the differently abled man was hopeful to get an additional person to join under his leadership. Although I do not trust these multi level marketing schemes, I was pleased by the question. “What are you worrying about?”. The question makes absolute sense.

What is there to gain from worrying? Absolutely nothing. The outcome is simply distress and sleepless nights. While the subject of your worry is not in the least bit concerned about you. I refuse to destroy my body by consuming harmful substances and in the same breath, I refuse to harm my mind and body, by worrying about things that I cannot control.

The author is an attorney at law based in Trinidad.She specialises in AML/CFT and Fraud Risk Management . Website : http://asydneygroup.com.

What’s app 868 484-7778

Instagram @asydneygroup.com

The Importance of Connecting flights

It’s not the destination, it’s the ride. I saw a bus and decided to take a ride to Chaguanas, this is considered to be in the central part of the island of Trinidad. The bus had a sign that read “Montrose”. I was not a 100% that this bus would take me where I needed to go, nevertheless, I entered.

I observed that he took a detour that buses heading to South Trinidad would take. I felt like a tourist in my country. Instead of proceeding along the highway, he drove along one of the main streets, thereby encountering traffic.

The other passengers were mainly elderly persons, and they were elated to see each other. I saw a familiar police station and realised that I was in fact familiar with the area. However, to arrive at my destination, I would need to take a maxi taxi.

It felt like a joyride that was misguided.

I began thinking, sometimes we see an opportunity that appears to be something that it is not. We are lured by the immediate gratification offered.  When we do in fact take the opportunity, we are disappointed. In the event that this happens, try to catch a connecting flight or ride and make your dreams come through.

The author is an attorney at law based in Trinidad.She specialises in AML/CFT and Fraud Risk Management . Website : http://asydneygroup.com.

What’s app 868 484-7778

Instagram @asydneygroup.com

How to deal with Toxic Work Environments

I have been spending a lot of time with a colleague who has resigned from a job after 6 years. It is like watching someone suffer from a bad break up. Almost every conversation involves a mention of an incident that occurred at the former place of employment or a former coworker.

My mother had a bad experience at a certain job and everyday she mentions the former employer’s name. One year has passed since her last day and the wounds have not healed. She recites her feelings of being exploited and oppressed daily. I am certain that the employer does not consider her at all. Unhealthy work environments are similar  to abusive relationships. You feel powerless, voiceless and unappreciated. The coworkers are toxic and negative, the management is biased and unfair. Sometimes the salary is merely enough to take you to work and back home.

My view is that if you are going to work everyday and still broke, you should leave that job and be broke at home. The salaries offered cannot match the rising costs of living. Further to that staff cannot take additional courses or purchase books to develop themselves when they are underpaid.

Signs that you are in a toxic work environment:

-Coworkers are bitter/negative;

-Staff are underpaid;

-No comradry;

-Management encourages competition at the expense of cooperation;

-You have sleepless nights;

-You consider resigning;

-You do not want to go to work.

 

In order to deal with some of the difficulties of a toxic work environment you can :

-Start job hunting;

-Put things in place then resign;

-Ask for a transfer;

-Change your desktop to a peaceful, serene picture;

-Take deep breaths during day;

-Listen to motivational videos during day;

-Meditate;

-Instead of smoke breaks, take a walk.

Remember, at a job, you are replaceable. This is your life, the only one that you have. It is a waste to spend this life doing something that you hate.

The author is an attorney at law based in Trinidad.She specialises in AML/CFT and Fraud Risk Management. Website : http://asydneygroup.com.

What’s app 868 484-7778

Instagram @asydneygroup.com

Change your mind and change your life

The mind is a terrible thing to waste. It is better than any app that may be developed and is oftentimes never used to optimum capacity. Our species has the luxury of being able to think. Yet very few think critically. I long for conversations with original ideas and thoughts. Instead I am always asked whether I have seen the latest trending videos. If you want to earn money that you never earned before, you must change your thinking.

Average people earn average incomes. Extraordinary people have a huge pay day. I do not know a successful person who is bitter and negative. They are always optimistic and fun to be around, even magnetic. You must believe in yourself first. You must believe in your success and future happiness. You must visualize it, then work to make that vision a reality.

 

The author is an attorney at law based in Trinidad.She specialises in AML/CFT and Fraud Risk Management . Website : http://asydneygroup.com.

What’s app 868 484-7778

Instagram @asydneygroup.com

True Friends are rare

She carried a radiant smile on her face and her heart danced when she saw her friend approaching. Her friend asked whether she was taking a trip for a week when observed her large bag. Without being asked, her friend took the bag by the left handle while the elderly lady held the right handle. They then placed  the bag on the bench and both waited for the bus. I looked at them and marveled.

That was a great illustration of true friendship. Without having to ask for help, a true friend will gaze into your eyes and see that your soul is troubled. They will help you to carry the burdens as they come. It is a partnership where each person feels valued and eager to help. I am grateful that I have a similar friend who sticks closer than a brother.

I beg of you , if you have a true friend, cherish him or her.

 

The author is an attorney at law based in Trinidad.She specialises in AML/CFT and Fraud Risk Management. Website : http://asydneygroup.com.

What’s app 868 484-7778

Instagram @asydneygroup.com