QT-Group

09/07/2023

🔎 “THE REVENUE PERCENTAGE FOR SUBPRIME MIDDLEMEN: HOW MUCH DO THEY EARN?” 🔎

Subprime lending has become a significant aspect of the financial industry, and understanding the revenue earned by middlemen involved in these deals is essential. Let's take a closer look at the revenue percentages for subprime middlemen in the United States and Canada.

🇺🇸 In the United States:
✅For mortgage loans: Middlemen typically earn between 1% to 5% of the loan value as revenue.
✅For consumer loans: Middlemen can earn between 2% to 10% of the loan value as revenue.
✅However, it's important to note that these fee structures can vary depending on the policies of each financial institution. Additionally, it is crucial for these fees to be transparently disclosed to customers before finalizing any transactions.

🇨🇦 In Canada:
✅For mortgage loans: Middlemen generally earn no more than 2% of the loan value as revenue.
✅For consumer loans: Middlemen typically earn no more than 5% of the loan value as revenue.
✅Just like in the United States, it is crucial for these fees to be transparently disclosed to customers before finalizing any transactions.

🌱Please keep in mind that these figures are general guidelines, and the actual revenue percentages may vary based on the specific terms and policies of each subprime lending institution.
🌱If you have any questions or want more detailed information, feel free to reach out. Remember, knowledge is power when it comes to making informed financial decisions!

📍 Research for more at:
https://www.consumerfinance.gov/
https://www.canada.ca/en/financial-consumer-agency.html
https://www.mba.org/
https://www.namb.org/
https://www.ft.com/

09/07/2023

🔎 REGULATIONS OF THE US AND CANADA ON THE CONSULTANTS IN SUBPRIME FINANCIAL CAPITAL 🔍

🇺🇸 In the United States
In the United States, consultants in subprime financial capital are subject to specific regulations to ensure transparency, consumer protection, and ethical conduct. Here are some key points to note:
1️⃣ Consultants must register with and be licensed by either the U.S. Securities and Exchange Commission (SEC) or the Financial Industry Regulatory Authority (FINRA). This requirement is outlined in the Securities Exchange Act of 1934.
2️⃣ Consultants must adhere to professional ethics and consumer protection regulations in the credit domain, such as the Fair Credit Billing Act and the Fair Credit Reporting Act. They are also obligated to provide transparent information, disclose costs and risks associated with their services.
3️⃣ Consultants' income is subject to federal and state taxes. The tax rates range from 10% to 37%, depending on their income level and the applicable state tax laws.
4️⃣ Consultants are required to have appropriate professional liability insurance to cover potential risks associated with their services.
5️⃣ If consultants violate regulations or engage in deceptive practices, they may face civil and criminal charges, such as fraud, under the respective civil and criminal laws.

🇨🇦 In Canada
In Canada, consultants in subprime financial capital are also subject to specific regulations and oversight to protect consumers and ensure fair practices. Here are some important points to consider:
1️⃣ Consultants must register with and obtain licenses from the financial regulatory authorities of the provinces or territories where they operate. For example, in Ontario, consultants need a license from the Financial Services Commission of Ontario (FSCO). Most provinces require consultants to be licensed by the Financial Services Authority.
2️⃣ Consultants must adhere to principles of honesty, transparency, and consumer protection as outlined in the Canadian Consumer Protection Act.
3️⃣ Consultants' income is subject to federal and provincial taxes. The tax rates range from 15% to 33% depending on their income level and the applicable provincial tax laws.
4️⃣ Consultants are required to have civil liability insurance to cover potential risks arising from their services.
5️⃣ If consultants violate regulations, they can face administrative penalties or loss of license for serious violations. In severe cases, they may face criminal charges, including fraud. Their activities are also monitored by the Financial Services Inspection Agency of Canada.

📚 It's crucial for consultants and consumers to be aware of these regulations to ensure a fair and transparent environment in the subprime financial capital sector.

📍 Read more at:
https://chicagounbound.uchicago.edu/cgi/viewcontent.cgi?article=1567&context=cjil
https://digitalcommons.osgoode.yorku.ca/cgi/viewcontent.cgi?article=3224&context=scholarly_works
https://www.imf.org/external/pubs/ft/scr/2008/cr0859.pdf
https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/canadian-income-tax-rates-individuals-current-previous-years.html
https://www.irs.gov/taxtopics/tc751

08/30/2023

🪙💸 Gold/Bitcoin/Facebook Options Trading 🪙💸

📢 Hey friends! Let's dive into the important regulations you should know about gold, Bitcoin, & Facebook options trading in the US & Canada:

🇺🇸 In the United States:
✅ Gold options trading requires registration with the Commodity Futures Trading Commission (CFTC).
✅ U.S. Securities and Exchange Commission (SEC) regulations apply to cryptocurrency investments based on securities. Trading platforms may need to register with the SEC.
✅ Facebook doesn't directly provide stock, cryptocurrency, or commodity trading on its platform. Third-party applications must comply with SEC & CFTC rules for financial products.
✅ All options & futures transactions must adhere to anti-money laundering (AML) laws under the Bank Secrecy Act. Designated trading platforms must implement AML programs.
✅ Individual US states may impose additional licensing requirements for commodity brokerage activities, depending on the state.
✅ Internal Revenue Service (IRS) tax laws apply to capital gains & losses from commodity, cryptocurrency, or options trading.

🇨🇦 In Canada:
✅ Cryptocurrency options trading requires registration with Investment Industry Regulatory Organization of Canada (IIROC) as an agency firm.
✅ Platforms offering cryptocurrency investment products to Canadian investors must register with securities regulatory authorities like
Credit Support Annex (CSA).
✅ Facebook doesn't directly offer commodity, securities, or cryptocurrency trading on its platform. Third-party financial service applications need approval from IIROC/CSA.
✅ Commercial entities must comply with Canada's anti-money laundering laws under Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) regulations for designated entities like securities agencies.
✅ Canada Revenue Agency imposes capital gains tax on profits from commodity, cryptocurrency, or options trading.
✅ Provincial securities laws may require additional compliance, such as registration or licensing, for individuals/companies providing trading services to investors.

Understanding these regulations ensures compliance & responsible participation in gold, Bitcoin, & Facebook options trading. Stay informed & consult professionals for personalized advice. Happy trading! 🌟

Read more at:
https://www.investopedia.com/articles/active-trading/030215/us-options-market-regulations.asp
https://www.sec.gov/files/rules/sro/pcx/34-49451_a6.pdf
https://www.schwab.com/learn/story/how-are-options-taxed
https://www.reuters.com/article/us-options-trading-regulations-idUSKCN0WC1X7
https://www.binaryoptions.com/countries/canada/

08/29/2023

🪙Regulations on Gold Options/Services (Gold Import & Export Preferred) 🪙

📢 Hey friends! Let's explore the important regulations you should know about gold options/services & the import/export of gold in the US & Canada:

🇺🇸 In the United States:
✅ Gold options trading is regulated by the Commodity Futures Trading Commission (CFTC) under the Commodity Exchange Act.
✅ Importing & exporting gold requires compliance with customs regulations overseen by the U.S. Department of Homeland Security.
✅ Taxes on imported gold are based on classification, & accurate Harmonized System (HS) codes must be used in customs declarations.
✅ Importers/exporters of gold may need to provide documentation & report transactions over $10,000 to Financial Crimes Enforcement Network (FinCEN).
✅ Border controls exist to prevent smuggling of gold, & items over $10,000 must be declared to U.S. Customs.
✅ International transportation of gold may be restricted under export control regulations, possibly requiring a license.
✅ Individual states may have additional licensing requirements for gold/precious metal dealers.

🇨🇦 In Canada:
✅ Gold can be freely imported/exported as long as appropriate taxes are paid.
✅ Importing gold into Canada is taxed at 0% & exporting gold is not subject to export taxes (refined to a minimum purity of 99.50% for gold and platinum, or 99.9% for Silver)
✅ Gold imports over $10,000 CAD must be reported to the Canada Border Services Agency.
✅ Gold dealers & provincial mints in Canada must register with the Royal Canadian Mint & comply with anti-money laundering & Know Your Customer (KYC) regulations.
✅ The Goods and Services Tax (GST) of 10% applies to provincial gold bullion sales in Canada, with potential additional sales taxes by provinces.
✅ Private ownership of gold is unrestricted, & individuals can buy/sell gold coins & bars subject to Goods & Services Tax/Provincial Sales Taxes (GST/PST) taxes.
Generally, it is advisable to consult with legal & financial professionals or regulatory authorities to ensure compliance with all applicable regulations when dealing with gold options & services, as well as the import & export of gold in both the US & Canada.

Read more at:
https://usacustomsclearance.com/process/importing-gold-into-the-us/
https://help.cbp.gov/s/article/Article-1594?language=en_US
https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/gst-hst-businesses/charge-collect-imports-exports.html
https://laws-lois.justice.gc.ca/eng/regulations/sor-91-31/fulltext.html?wbdisable=true
https://www.osler.com/en/resources/regulations/2022/canada-bans-russian-gold-imports-and-export-of-various-manufacturing-services-and-designates-disin

08/28/2023

🏢💰Regulations on Luxury finance capital & Real estate services for healthcare (bitcoin options/services & hospitality options/services preferred) 🏢💰

📢 Hey friends! Let's dive into the important regulations you should know about luxury finance capital, real estate services for healthcare, Bitcoin options/services, & hospitality options/services in the US & Canada. In all those contexts, complying with regulations & prioritizing industry requirements is crucial.

🇺🇸 In the United States:
✅ When dealing with electronic currency services, strict adherence to Know Your Customer (KYC) & Anti-Money Laundering (AML) regulations is crucial under the Bank Secrecy Act & Financial Industry Regulatory Authority (FINRA) rules.
✅ Blockchain technology in healthcare must comply with Health Insurance Portability and Accountability Act (HIPAA) regulations for security & privacy.
✅ Consider the Stark Law when using Bitcoin or blockchain in healthcare real estate agreements to ensure compliance & prevent improper patient referrals.
✅ Prohibition of kickbacks & improper patient referrals applies, & cryptocurrencies should not be used for such incentives.
✅ Activities involving electronic currency transfers may require state money transmitter licenses, similar to financial & real estate brokerage activities.
✅ Capital gains taxation applies to electronic currency payments & transactions, requiring compliance with Internal Revenue Service (IRS) reporting regulations.
✅ Consumer protection regulations by the Consumer Financial Protection Bureau (CFPB) should be considered when offering cryptocurrency payment options.
✅ Collaborate with cryptocurrency service providers to ensure compliance with Federal Deposit Insurance Corporation (FDIC) &
Options Clearing Corporation (OCC) guidance for federal banks & lending associations.

🇨🇦 In Canada:
✅ Financial services involving electronic currency must comply with identity verification & transaction monitoring regulations, including registration with Financial Transactions and Reports Analysis Centre of Canada (FINTRAC).
✅ Cryptocurrency real estate transactions may fall under securities regulations, requiring registration & disclosure.
✅ Privacy rules such as Personal Information Protection and Electronic Documents Act (PIPEDA) should be followed when using blockchain technology in healthcare for personal information processing.
✅ Cryptocurrency transactions are subject to taxation, & proper reporting to the Canada Revenue Agency (CRA) is necessary.
✅ Compliance with local real estate regulatory authority is essential for activities like cryptocurrency real estate tokenization.
✅ Issuance of cryptocurrency assets may require registration & compliance with investment fund regulations.
✅ Banks must adhere to Office of the Superintendent of Financial Institutions (OSFI) guidance & federal financial regulations when collaborating with cryptocurrency service providers.

Understanding these regulations ensures comprehensive & objective access to luxury finance capital, real estate services for healthcare, Bitcoin options/services, & hospitality options/services. Stay informed & consult professionals for personalized advice. 🌟

Read more at:
https://www.polsinelli.com/health-care-real-estate
https://www.lawjournalnewsletters.com/sites/lawjournalnewsletters/2009/08/25/health-care-laws-for-the-real-estate-lawyer/?slreturn=20230723234243
https://www.linkedin.com/pulse/canada-global-safe-haven-real-estate-investment-landrealtors-group
https://www.osler.com/osler/media/Osler/reports/real-estate/Real-Estate-Law-in-Canada-2018.pdf

08/26/2023

🏢💰 Regulations on Subprime financial capital & Real estate services: bitcoin options & hospitality options/services preferred 💰🏢

📢 Hey friends! Let's dive into the essential regulations you need to know when it comes to subprime financial capital, real estate services, Bitcoin options, & hospitality options/services in the US & Canada:

🇺🇸 In the United States:
✅ Real estate agents must comply with state licensing requirements & financial regulations like Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Equal Credit Opportunity Act (ECOA), & Home Mortgage Disclosure Act (HMDA).
✅ Fair Housing Acts & ECOA prohibit discrimination in housing-related transactions.
✅ Bitcoin exchanges & transactions must adhere to federal Anti-Money Laundering (AML) & Know Your Customer (KYC) regulations.
✅ Capital gains tax applies to cryptocurrency profits in real estate transactions.
✅ Commission rates for real estate agents are governed by state licensing laws (typically 5-6%).
✅ Mortgage broker compensation varies, usually 1-2% of the loan amount.

🇨🇦 In Canada:
✅ Lending processes must comply with provincial regulations & interest rate rules.
✅ Cryptocurrency use in commercial transactions can trigger tax obligations & AML measures.
✅ Provincial laws govern real estate licensing, disclosure, & trust account management.
✅ Bitcoin transactions in mortgages & real estate may require identity verification & reporting.
✅ Hospitality services require provincial licensing & compliance with health & safety regulations.
✅ Foreign investments may be subject to additional assessment under the Investment Canada Act.

Stay informed & ensure compliance with these regulations to navigate the real estate & financial landscape confidently. Seek professional guidance for personalized advice. 🌟

Read more at:
1. https://law.justia.com/codes/new-york/2022/bnk/article-1/6-m/
2. https://digitalcommons.pepperdine.edu/cgi/viewcontent.cgi?article=1218&context=jbel
3. https://wowa.ca/subprime-mortgage
4. https://www.bnnbloomberg.ca/zero-down-mortgages-stoke-u-s-subprime-like-fears-in-canada-1.1631374

08/25/2023

🏢🔑 Regulations on Real Estate & Financial Services with Bitcoin: Important Considerations 🔑🏢

Attention, friends! Here's some valuable information about buying property & loaning in Bitcoin in the US & Canada, as well as the role of middlemen in these transactions:

🇺🇸 In the United States:
🏠 Buying Property with Bitcoin:
✅ Bitcoin is considered an asset, not legal tender, by the Internal Revenue Service (IRS). Transactions involving Bitcoin are treated as barter exchanges.
✅ Sellers must agree to accept Bitcoin, but most real estate transactions still primarily use US dollars.
✅ Profits from the increased value of Bitcoin used for payments or deposits are subject to income tax.
✅ Traditional banks usually don't accept Bitcoin as collateral for home loans, so buyers need to convert it to cash first.
✅ Cash payments are often preferred by real estate brokers & notaries over digital currency.
💰 Loaning in Bitcoin:
✅ Regulations for borrowing Bitcoin are still evolving, & existing laws on consumer protection, interest rates, taxes, Anti Money Laundering (AML), & Know Your Customer (KYC) apply.
✅ Bitcoin lending companies must register with state regulatory bodies, & certain cryptocurrencies may be classified as securities under U.S. Securities and Exchange Commission (SEC) regulations.
🤝 Role of Middlemen:
✅ Real estate brokers need licenses issued by state boards, often requiring exams & experience.
✅ Financial-related roles (securities brokers, insurance brokers, etc.) require registration with the SEC & certification from Financial Industry Regulatory Authority (FINRA) or state agencies.
✅ Brokerage businesses dealing with derivatives must register with the National Futures Association (NFA).
✅ Compliance with business registration, relevant regulations, & tax requirements is crucial for brokerage firms.
✅ Foreign individuals must have valid work visas or permits to practice their profession legally in the US.

🇨🇦 In Canada:
If you're considering providing real estate brokerage or financial services using Bitcoin in Canada, here are some important legal regulations to keep in mind:
✅ For real estate brokerage: You need to obtain a license to operate from the respective provincial/territorial real estate regulatory agency. For example, in Ontario, it is the Ontario Real Estate Association (OREA).
✅ For financial services: You may need to register as a securities broker/agent or obtain similar licenses from the Canadian Securities Commission.
✅ Comply with anti-money laundering regulations set by the Financial Transactions & Reports Analysis Centre of Canada (FINTRAC). Transactions over 10,000 CAD must be reported & customer verification performed.
✅ Pay income tax & Goods & Services Tax/Harmonized Sales Tax (GST/HST) on the income received from brokerage services, as Bitcoin is considered an asset & subject to taxation.
✅ Comply with security & customer privacy regulations under the Personal Information Protection & Electronic Documents Act (PIPEDA).
✅ Prohibit misleading, fraudulent, or inaccurate information provision to clients.
✅ Disclose all service fees & brokerage commissions to clients.
✅ Comply with consumer protection regulations set by the Financial Consumer Agency of Canada.

Stay informed & make wise decisions when navigating the world of Bitcoin transactions in real estate & lending. Remember to consult professionals for personalized advice. 🌟

Read more at:
https://dilendorf.com/resources/how-to-structure-new-york-real-estate-transactions-using-bitcoin.html
https://www.piramalrealty.com/blog/post/global-crypto-real-estate-buying-a-house-with-cryptocurrency-and-bitcoin/
https://torealestateagent.com/how-to-buy-a-house-with-bitcoin/
https://blog.remax.ca/buying-a-house-with-bitcoin-in-canada/

08/02/2023

[ONLINE - Toàn quốc] CƠ HỘI THỰC TẬP TẠI CÔNG TY TOÀN CẦU CHO SINH VIÊN NĂM 2,3,4

(Không yêu cầu kinh nghiệm, có hỗ trợ dấu thực tập, cơ hội làm việc tại Bắc Mỹ)

AH - GLOBALGROUP - Công ty chuyên cung cấp giải pháp công nghệ, phần mềm liên quan đến AI, Big Data cho doanh nghiệp. Hiện nay công ty đã sở hữu 2 chi nhánh tại Mỹ, 1 chi nhánh tại Canada và hơn 10 văn phòng trên toàn thế giới. Để tiếp tục mở rộng và phát triển tại khu vực Bắc Mỹ, công ty đang tìm kiếm những ứng viên tài năng cho các vị trí sau:

Thực tập sinh Phát Triển Kinh Doanh
Thông tin chi tiết: BUSINESS DEVELOPMENT INTERNSHIP
Yêu cầu cơ bản:
Sinh viên từ năm 2 trở lên chuyên ngành kinh tế, tài chính, quản trị kinh doanh, phân tích kinh doanh,..
Trình độ tiếng anh cơ bản
Thái độ trung thực, tỉ mỉ, cầu tiến, sáng tạo trong công việc
Có máy tính riêng
Ứng tuyển tại: https://docs.google.com/forms/d/e/1FAIpQLScMjeACuWWoGtGOXSv94FE8IZwB0u_RcZsHojTVDL5bnPSzoA/viewform

Thực tập sinh công nghệ
Thông tin chi tiết: TECHNOLOGY INTERNSHIP
Yêu cầu cơ bản:
Sinh viên năm 2 trở lên chuyên ngành liên quan đến khoa học máy tính, công nghệ thông tin
Có kiến thức cơ bản về ngôn ngữ lập trình đặc biệt là Python, hệ điều hành Ubuntu, quy trình phát triển web
Chủ động, có trách nhiệm trong công việc, có khả năng nghiên cứu, tư duy logic tốt.
Ứng tuyển tại: https://docs.google.com/forms/d/e/1FAIpQLScMjeACuWWoGtGOXSv94FE8IZwB0u_RcZsHojTVDL5bnPSzoA/viewform

Chế độ đãi ngộ nổi bật cho các vị trí:
Được cấp giấy chứng nhận sau khi hoàn thành chương trình thực tập
Khen thưởng khi có thành tích nổi bật trong quá trình thực tập
Cơ hội thành nhân viên chính thức, được làm việc tại môi trường Bắc Mỹ

Thời gian làm việc:
Đăng ký theo khung giờ tự chọn từ 7:30 AM tới 17:00 PM từ thứ 2 tới sáng thứ 7.
Sáng: 8h - 11h
Chiều: 13h30 - 16h
Tối: 22h-24h
Thứ 7 chỉ làm Sáng hoặc Chiều và 1 ca Tối, nghỉ ngày chủ nhật

- Thời gian thực tập: tối thiểu 8 tuần, ưu tiên loại 1 sẽ được nhận vào làm ngay sau khi kết thúc thời gian thực tập.
Hình thức thực tập: Online từ xa 100% qua phần mềm của Công ty.
Hạn cuối: 31/8/2023

07/10/2023

🔉🔉[Interns - Online - Remote]

AH-GlobalGroup Tuyển Dụng Thực Tập Sinh Hè 2023

🙋Kinh nghiệm: Không cần kinh nghiệm - Đừng lo! Chúng tôi sẽ đào tạo bạn từ đầu.

🕺Tính chất công việc: Thực tập Online Part-time/Full-time

👇👇👇👇 Xem chi tiết JD: https://docs.google.com/document/d/1jxhAiyajgD298kbhebKCCkM73UbyfFW7hgCzcynOO9U/edit?usp=drive_link

Apply at : https://docs.google.com/forms/d/e/1FAIpQLScMjeACuWWoGtGOXSv94FE8IZwB0u_RcZsHojTVDL5bnPSzoA/viewform

-----------------
Facebook: https://www.facebook.com/ahglobalgroup
Linkedin: https://www.facebook.com/ahglobalgroup
Twitter: https://twitter.com/ah_gloabalgroup
Website: https://www.ah-globalgroup.com/

05/25/2023

🔉🔉[Interns - Online - Remote]
QT-DATA VN Tuyển Dụng Thực Tập Sinh.

🙋Kinh nghiệm: Không cần kinh nghiệm - Đừng lo! Chúng tôi sẽ đào tạo bạn từ đầu. Có kinh nghiệm là điểm cộng
🕺Tính chất công việc: Thực tập; Online Part-time/Full-time

👇👇👇👇 Xem chi tiết JD: https://docs.google.com/document/d/1K4b-Oc16sDWUIdkn0HcKaFxJv-R1ZH1G9P8BW-U481A/edit?usp=sharing

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04/20/2023

🔉🔉[Interns - Online - Remote]
QT-DATA VN Tuyển Dụng Thực Tập Sinh Công Nghệ Thông Tin, Phát Triển Kinh Doanh, Hành Chính - Nhân Sự - Pháp Chế 2023

🙋Kinh nghiệm: Không cần kinh nghiệm - Đừng lo! Chúng tôi sẽ đào tạo bạn từ đầu. Có kinh nghiệm là điểm cộng
🕺Tính chất công việc: Thực tập; Online Part-time/Full-time

👇👇👇👇 Xem chi tiết JD: https://docs.google.com/document/d/1K4b-Oc16sDWUIdkn0HcKaFxJv-R1ZH1G9P8BW-U481A/edit #

Apply at : https://docs.google.com/forms/d/e/1FAIpQLSeq2yBZDt9dGKz_rtWhtkCfPJdMYDRy2A2I2fB2mdtHcJiCoA/viewform

06/04/2021

Open-source tools are a key sector in contributing technology resources in the industries. To develop open-source projects, require developer time. You need dev time to fix bugs, you need dev time to add features, and you need dev time to write documentation.
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