...country is a policy that would cost nothing: establish a new class of visa for startup founders. The biggest constraint on the number of new startups that get created in the US is not tax policy or employment law or even Sarbanes-Oxley. It's that we won't let the people who want to start them into the country. Letting just 10,000 startup founders into the country each year could have a visible effect on the economy. If we assume 4 people per startup, which is probably an overestimate, that's 2500 new companies. Each year. They wouldn't all grow as big as Google, but out of 2500 some would come close. By definition these 10,000 founders wouldn't be taking jobs from Americans: it could be part of the terms of the visa that they couldn't work for existing companies, only new ones they'd founded. In fact they'd cause there to be more jobs for Americans, because the companies they started would hire more employees as they grew. The tricky part might seem to be how one defined a startup. But that could be solved quite easily: let the market decide. Startup investors work hard to find the best startups. The government could not do better than to piggyback on their expertise, and use investment by recognized startup investors as the test of whether a company was a real startup. How would the government decide who's a startup investor? The same way they decide what counts as a university for student visas. We'll establish our own accreditation procedure. We know who one another...
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...FORMATO DE SOLICITUD DE VISA FOTO Oficina Consular en Sección Consular de Embamex Guatemala Núm. de folio PARA USO OFICIAL Deberá de llenarse una solicitud por cada interesado en cualquier forma de impresión firme e indeleble. I. INFORMACIÓN PERSONAL 1.- ___________________________________________________________________________ Nombre(s) (como aparecen en el pasaporte o documento de identidad y viaje) 2.- ___________________________________________________________________________ Apellido (s) (como aparecen en el pasaporte o documento de identidad y viaje) 3.- Sexo: Femenino Masculino: 5.- País de nacimiento: ________________________ 4.- Fecha de nacimiento: ___________ (día/mes/año) 6.- Nacionalidad: _______________________________________________________________ 7.- Número de pasaporte o documento de identidad y viaje_______________________________ a) País de expedición: ________________________ b) Fecha de expedición: _______________ c) Fecha de vencimiento: ________________________ (día/mes/año) (día/mes/año) II. DATOS COMPLEMENTARIOS 8.- Estado civil: __________________________________________________________________ 9.- Domicilio actual: ______________________________________________________________ 10.- Teléfono: __________________________ 11.- Correo electrónico: _____________________ 12.- Ocupación: ________________________________________________________________ 13.- Dónde trabaja, estudia o realiza actividad:___________________________________________...
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...GUIDANCE SHEET FOR BUSINESS TRAVELLER / TOURIST / FAMILY VISIT Visa Class: B1/B2 ON THE DAY OF INTERVIEW: Please make sure that you report 15 minutes before your scheduled reporting time if your interview is scheduled at New Delhi, Chennai or Kolkata. Interviews scheduled at Hyderabad Consulate will have to report one hour before your scheduled reporting time. The approximate wait time after the initial processing is likely to exceed one hour. SUPPORTING DOCUMENTS REQUIRED FOR THE INTERVIEW: 1. Current & old Passports, original blue visa fee receipt issued by HDFC bank, CEAC Bar code confirmation letter and VFS Interview appointment letter. 2. National of foreign countries may be required to pay an Issuance Fee. To check the availability as well as the issuance fee amount, log on to www.travel.state.gov/visa/reciprocity/index. The fee if any needs to be paid via demand draft in INR at the prevailing Consular rate of exchange. Note: Mention your Name and Passport number on the reverse side of the demand draft. 3. Original Birth Certificate for children below 14 years of age. 4. If you are visiting a relative, carry photocopies of the relative’s proof of status e.g. Green Card, naturalisation certificate, valid visa etc. 5. Business travellers need to produce proof that the Company will finance the trip. If the company is new or unknown it is helpful to carry tax records of the firm for the last 3 years. 6. A tourist may show evidence of financial resources through...
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...USA V. VISA U.S.A. INC., VISA INTERNATIONAL CORP., AND MASTERCARD INTERNATIONAL INCORPORATED In 1998 USA filed a complaint against Visa and MasterCard re their dual governance and exclusionary rules of combinations and conspiracy in restraint of trade. (DOJ, 1998) Essay Plan My motivation for choosing the abovementioned case comes from my interest in the financial services market, its regulations and their implications on consumers. This case is attention-grabbing, not solely due to the remedy, but also due to the implications it has on domestic and international markets. It also gives the opportunity to analyse the controversy of vertical exclusionary restraints (Whinston, 2006). When analysing the Visa-MasterCard case, there are two main ‘economic-schools-of-thought’ to be considered. Chicago School(CS) dismisses vertical exclusionary contracts as an anti-competitive tool. While, Post-Chicago School(PCS) offers an opposing explanation by suggesting different models to rationalise anti-competitive behaviour using vertical restrictions. Both schools build their models under the assumption of first-mover advantage and the monopoly power of an incumbent firm. (Motta, 2004) Using the CS in this case, we could assume that Visa and MasterCard are the combined incumbent on the market, due to their cooperative actions. The banks are the buyers and AmericanExpress is the potential new entrant. It could be assumed that AmericanExpress is a new entrant for the market of issuing...
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...AdKeller Graduate School of Management at DeVry College of New York Managerial Finance FIN516 Initial Public Offering By: Ayanna Teesdale Tianyi Liu Marco Palli Cafarelli Prof. Dr. Hamlet, Michael. January – February 2013 EXECUTIVE SUMMARY Condensed information of Visa Inc. is presented by revising the historical events and based on the respective 10-K Filing that this company published every year since its Initial Public Offering (IPO). First, the paper opens with a review of the company and its industry. Second, the Financial and Non-Financial facts are reported based on information stated on the Security and Exchange Commission (SEC) filings. Followed by an analysis that describes how successful was the IPO in raising capital, which continues with a narration of the happenings to the company since the IPO. Finally, the trend of Visa’s stock price since the IPO is scrutinized. THE COMPANY AND ITS INDUSTRY Visa Inc. is a company headquartered in San Francisco, California that engages the process of trading electronic payments through a network worldwide. It enables commerce through transferring data information (which has money value) among financial organizations, merchants, shoppers, businesses, and government entities via VisaNet (an exclusive asset of the company) which is a Network Information System (NIS) that is capable of offering fraud safety for consumers and guarantees payment for merchants. Visa’s payments platforms allow: credit, debit...
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...Sector: Temporary Visa (Subclass 573) Assessment Level 2 Application Document Checklist This document lists the information and supporting documents required to lodge your student visa application. It also lists additional documents that you may need to provide depending on your individual circumstances. Important: Visa application requirements differ from one country to another. If you are applying outside Australia, you must contact your nearest departmental office and check exactly how to submit your application and what documents to provide. See: Immigration Offices Outside Australia More information about this visa is available. See: About this Visa Important: Do not provide original documents unless requested. You must provide certified copies of original documentation. Documents not in English must be accompanied by accredited English translations. More information on certified documents and English translations is available. See: Information to Help Prepare Your Application You should ensure that you lodge a completed visa application. While the department may ask you to provide more information in order to determine whether you meet the criteria for grant of the visa, a decision on the visa application may be made solely on the information provided at the time of application. Note: The Visa Application Charge will not be refunded if a decision is made to refuse to grant the visa because the applicant did not satisfy the criteria for grant of the visa. Form 1025i contains...
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...to visit Nigeria as a traveler or for doing business, you will require a Visa for that though Nigeria offers Visa-free travelling for some of the countries. This privilege is only for the Citizens of Economic of West African States (ECOWAS). Excluding the citizens of these countries, all visitors are advised to apply and obtain proper visas from the nearest Nigerian Mission - Embassy, High Commission or Consulate prior to get entrance into Nigeria. Please note here that Nigeria doesn’t offer visa upon arrival, which means visas can’t be issued at the port of entry. Here goes a brief about two major types of visas that have the most demand: 1. Tourist and Visitors' Visas To whom it may concern: • Visitors who want to visit Nigeria only for tourism. • Any person wishing to visit his/her family members. Prerequisites for issuing tourist visa: • Valid national passport with a validity period of 6 months at least at the time of travel. • Printed copy of a completed Online Visa Application Form with one passport size photograph attached and a copy of Payment Confirmation page. • Letter of invitation from Nigeria, addressed to the Visa Section. • Photocopy of Inviter's Passport. • Evidence of sufficient fund must be provided. • Evidence of Hotel reservation. • Valid Airline return-ticket. • Acceptance of IR (Immigration Responsibilities) Validity: • Not valid for employment. 2. Business Visas To whom it may concern: • Businessmen and Investors visiting Nigeria...
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...GUIDELINES FOR THE F1 VISA (STUDENT VISA) There are categories for student visa, F-1 and M-1. The F-1 visa permits students to enroll in a full-time course of academic study, leading to a degree such as the Bachelor, Master’s or Doctorate, Degree. The M-1 visa is for non-academic or vocational education for duration less than a year, and it includes courses of study in fields such as gemology, aviation, language studies, etc. All students joining Dilip Oak’s Academy apply for F-1 visa. The I-20 form issued by the university and a valid Indian passport are two essential documents for obtaining an F1 (student) visa. Your passport must be valid for at least six months from the date of travel. Once you receive I-20 forms from all the universities offering you admission you need to decide which university you wish to join. Of course even if you book a date for visa interview for a particular university, you can change that university before you appear for the visa interview, either through VFS or directly at the consulate. It is important to check the accuracy of the information printed on the I-20 form, specially: • date of birth, date of commencement, date of completion, duration of the course • full name, country of origin, name of the university and course In case of mistakes contact the university immediately and request for the corrected I-20 form. You can apply for student visa not earlier than 120 days before the date of commencement of your course as indicated on I-20 form...
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...Initial Public Offering Paper: VISA Introduction An initial public offering takes place when a company issues common stock or shares to the public for the first time. There are several reasons for companies to go public, for example, small and young companies that seek capital to expand and large privately owned companies that want to become publicly traded. After a company lists its securities on a public exchange, the money collected from investors for the sale of the shares goes directly to the company. Once a company is listed, it is able to issue additional common shares via a secondary offering. Usually, these kinds of public offerings are made by companies wishing to refinance, or raise capital for growth. This ability to quickly raise large amounts of capital from the market is a key reason many companies seek to go public. Visa Inc. is a global payments technology company headquartered in San Francisco, California. It facilitates electronic funds transfers throughout the world. Visa does not issue cards, extend credit or set rates and fees for consumers; instead, Visa provides financial institutions with Visa-branded payment products that they then use to offer credit, debit, prepaid and cash-access programs to their customers. Visa has operations across Asia-Pacific, North America, Central and South America, Caribbean, Central and Eastern Europe, Africa and Middle East. Visa’s industry is Financial Services which includes a broad range of organizations that...
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...Introduction On July 2nd 2014, CIBC, in partnership with Tim Hortons, launched the new “Double Double Visa Card”, which includes physical buttons built into the plastic. Cardholders can press one of two options on the face of the card – a button that accesses their Visa account or another that lets users redeem loyalty points for products at the company’s restaurants. In effect, the CIBC and Tim Hortons card allows users to earn points on purchases they charge to their no annual fee Visa card, collecting a cent on every dollar in “Tims Cash” rewards. While quite a bit of information has been written about the opportunities that this credit card will present CIBC in terms of growing their market share by securing this loyalty program, little has been written about the vast opportunities in market research that this card will offer Tim Hortons. As this paper will discuss, while Banks can grow their business and secure a large customer base by targeting popular retailers, the power that these retailers gain, by being given a reservoir of information about customer purchasing habits and behaviors, must not be overlooked. Moreover, as I will argue, this venture can change the entire marketing playing field as it gives a whole new meaning to data mining. Description of the Issue: The “Double Double Visa Card” is CIBC’s first step in an attempt to grow its business and credit card portfolio after loosing their...
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...Mastercard | Visa | Website: | MasterCard.com | Visa.com | Products: | Payment systems | Payment systems | Type: | Public | Public | Industry: | Financial services | Financial services | Key people: | Richard N. Haythornthwaite, (Chairman), Ajay Banga, (President & CEO) | Joseph Saunders (Chairman and CEO) John Partridge (President) Byron Pollitt (CFO) | Introduction: | MasterCard Worldwide (NYSE:MA) is an American multinational corporation with its headquarters in the MasterCard International Global Headquarters in Harrison, New York, United States. | Visa Inc. (NYSE: V) is an American global payments technology company headquartered in Foster City, California. Visa connects consumers, businesses, financial institutions and governments in more than 200 countries and territories. | Revenue: | US$6.714 Billion (FY 2011) | US$9.188 Billion (FY 2011) | Net income: | US$1.906 Billion (FY 2011) | US$3.528 Billion (FY 2011) | Headquarters: | New York | San Francisco | Employees: | 6,700 | 7,500 | Operating income: | US$2.713 Billion (FY 2011) | US$5.456 Billion (FY 2011) | Founded: | 1966 | 1970 | Total assets: | US$10.693 Billion (FY 2011) | US$34.760 Billion (FY 2011) | Total equity: | US$5.877 Billion (FY 2011) | US$26.437 Billion (FY 2011) | Summary VISA (Visa International Service Association) and MasterCard are bothpayment processing institutions that are owned by thousands of participating financial institutions that issue and market VISA and MasterCard...
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...University of California, Santa Cruz for the period of (date) to (date). This visitor will (describe activity) while on B-1 business status in the U.S. (Name) will return to (country) upon participation in this (workshop, conference, lecture, etc) to (state why will return home- ie. to continue studies, to resume University position, etc). We expect to (reimburse, pay honorarium to) this B-1 business visitor for some travel expenses. Please assure that the proper VISA and NONIMMIGRANT STATUS are assigned to the visitor: B-1 visa (usually noted as B-1/B-2) and “B-1” notation on Form I-94 upon entry. The B-1 notation on the I-94 will permit the university to process reimbursement or honorarium as appropriate to this visitor. The visitor must present a passport and a copy of both sides of the I-94 shortly after arrival at UCSC. Thank you for your attention to this matter. Sincerely, (UCSC sponsoring department chair or director) Sample Supporting Letter for a Nonimmigrant B-1 Visa Application [pic] | | |U.S.Consulate | |Paris,France | |...
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...H-1B visa From Wikipedia, the free encyclopedia Jump to: navigation, search |[pic] |This article may contain original research. Please improve it by verifying the claims made and adding inline citations.| | |Statements consisting only of original research may be removed. (November 2009) | The H-1B is a non-immigrant visa in the United States under the Immigration and Nationality Act, section 101(a)(15)(H). It allows US employers to temporarily employ foreign workers in specialty occupations. If a foreign worker in H-1B status quits or is dismissed from the sponsoring employer, the worker must either apply for and be granted a change of status to another non-immigrant status, find another employer (subject to application for adjustment of status and/or change of visa), or leave the US. The regulations define a "specialty occupation" as requiring theoretical and practical application of a body of highly specialized knowledge in a field of human endeavor[1] including but not limited to biotechnology, chemistry, architecture, engineering, mathematics, physical sciences, social sciences, medicine and health, education, law, accounting, business specialties, theology, and the arts, and requiring the attainment of a bachelor’s degree or its equivalent as a minimum [2] (with the exception of fashion models, who must be "of distinguished merit and ability").[3] Likewise, the foreign worker must possess at least a bachelor’s degree...
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...The proposed changes in the norms of the visas will cause a lot of stress in the indian it scenario specially where they are highly dependent on their visas. The companies having higher workforce under the category of H1-B visa will suffe the same, in this category unfortunately, most of Indian it companies will fall. The amount of the fee these companies will have to pay would be much higher. Any employer which have more than 50 employees and have more than 30% but less than 50% will fall under category H1B or L1. The employer needs to pay $5000 for employee who is an extra for either of the standard. The employer which has more than 50% of the employees with H1B or L1 will have to pay $10000 fee. This is going to effect companies like TCS, WIPRO and Infosys. But will be useful in case of IBM, Dell etc which are US based. The proposed reform to the H1B visa standards were under the Senate’s comprehensive bill. It has the potential to cast a profound impact on the outstanding industry.the US government has accused Indian it companies of using the visas unfairly to send the employees from india at a lower cost, which impacts job creation in US. Most IT companies have said this would impact margin by 20 to 30 basis points and they would counter it by increasing hiring in US. Also it clears the opportunity of the local US players to get sub contracting from the bigger players. The impact on the revenues of the big companies such as Cognizant, TCS will give birth to theneed...
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...summer season 2013. The 1st of April saw many changes in the Croatian law and one of the most controversial was the introduction of travel visas for Russians. In fact the move to introduce travel visas for Russian citizens was forced on Croatia as part of the European Union regulations. Croatia is set to become a full member of the European Union on the 1st of July this year and therefore the EU visa regime has come into force. This means that all citizens for a host of non-EU countries require visas to visit the country. Tourists from Russia are not the only ones that will now require a visa, guests from the Ukraine and Turkey will now also need to take out the travel visa. Ironically tourists from these three countries have been on the rise in recent years, just last year the number of Russian tourists rose by 8 percent and in total they accounted for 1.6 million overnight stays. Russian citizens are required to apply for a visa with the Croatian Embassy in Moscow or through various tourist agencies that have been accredited by the embassy. The introduction of visas for Russian tourists decreased in the number of tourists as well as a drop in the number of Russian investments. It also played into the hands of Croatia’s neighbors, such as Montenegro, where no such visa regime is in force. Effects on my organization The introduction of visa regime for Russian tourists has brought losses, by the end of August up to 27 percent less visitors for our hotel capacities. Hotel in order...
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