Saturday, April 14, 2007

TAXES PLANNING GUIDENCE

Often expatriates and private individuals can enjoy considerable advantages and tax savings by intelligently structuring their financial affairs. Montpelier provide the planning and implementation of such tax efficient arrangements for expatriates and private clients worldwide.
Tax Planning is a very complex subject, especially when it involves more than one jurisdiction, and there are many fundamental issues to be considered before the right decision can be made and a good structure may be set up.
Montpelier analyse each client's situation carefully, point out available options, develop a plan of action and implement it. By working closely as a team, our advisers pool their knowledge and experience so that the specific details of each client's case are considered from all relevant perspectives.
Whether you need advice on existing or proposed international structures, we have tax specialists throughout the world to provide you with guidance. Whether you need corporate or individual tax assistance we have the expertise and network to satisfy your expectations.
In broad terms we are able to advise on the following issues:
Choice of appropriate legal structure for international activities
Optimising income flows
Tax treaty implications
Repatriation of income to beneficial owners
Expatriate assignment tax strategies. In this highly specialised field, Montpelier have developed significant expertise in serving companies with international assignment employee structures. The aim of Montpelier is to provide a means of delivering quality international assignment services and to assist organisations in developing a sound and working expatriate program that is both tax efficient and financially sound.
Planning for high net worth individuals/estate planning. Whilst the above issue can be seen as two separate topics they are regularly combined in a single area of service aimed at tax planning and asset protection for high net worth individuals. A typical planning strategy for high net worth individuals would include the following considerations:
Succession planning for owner operated businesses
Trusts and wills
Inheritance and gift taxes
Planning against double taxation

The Personal Portfolio Bonds (PPB)

The Personal Portfolio Bonds (PPB) can be described as a tax free warehouse or wrapper for your assets. A PPB is an account that combines the cost efficiency, flexibility and buying power of the life company's administration with the tax efficiency of an offshore nil tax or low tax environment.
The PPB has considerable advantages for an expatriate and some of these are summarised as follows:
Simplified administration. The PPB can usually hold a wide range of investments that are administered on the clients' behalf by the insurance company.
Confidentiality. The ability to take advantage of excellent confidentiality for account holders.
Jurisdiction. If an investor holds securities from several countries their death would result in probate problems in each of these countries. Assets held within a PPB are covered by one jurisdiction.
Investor protection. Account holders can have peace of mind that their wealth will be protected.
Political stability. Expatriates who transfer their assets into a PPB held in a designated territory are completely safeguarded from the political and economic insecurities they may experience in various countries while they are expatriates.
Investment choice. The PPB permits a wide range of investments to be held within it such as stocks and shares, unit trusts, gilts, corporate bonds, bank accounts and offshore funds. This will not restrict the investment to a single insurance company's funds.
Corporate discounts. As the insurance company often makes bulk purchases up to 100% discounts can be negotiated, especially in the case of unit trusts and offshore funds, on the purchase price.
Tax advantages. As the PPB is perceived as an ‘Insurance policy' by many countries it can be used as a ‘tax shelter' by individuals who become residents in those countries.
Charging structures. Most PPB's offer three different types of charging structures one of which will normally meet the needs of most expatriates.
Access to your money. He PPB can be linked to an offshore bank account where the policyholder can access funds from within the PPB via a bank debit card. This provides access to cash through thousands of cash dispensing machines worldwide.

ADULT EDUCATION PROGRAM

The Adult Education Program is part of the Learning & Performance Systems Department at University Park. The two doctorate programs offered are the D.Ed. and Ph.D.In addition, our doctorate (D.Ed.) degree is offered at Penn State Harrisburg and our master's (M.Ed.) degree is offered through the World Campus.The University Park campus of The Pennsylvania State University is located in the borough of State College, where the social and cultural life of a small-scale urban setting is enhanced by access to a scenic rural landscape and many recreational opportunities. You can travel to New York, Baltimore, Philadelphia, Pittsburgh, and Washington, D.C. in only a short three to five hour drive. Commuter flights from University Park Airport (SCE) connect to major airline hubs in Philadelphia, Pittsburgh, and Washington, D.C. For more information about State College, access the State College Web site. For reference maps and campus maps of the University Park campus, access the Campus Maps Web site.For those students interested in pursuing a dual-title degree program option please see The College of Education's Comparative and International Dual Title Degree Program. The Pennsylvania State University College of Education Adult Education Program 314 Keller Building University Park, PA 16802 Phone: (814) 863-3781 For More Information Contact cgw2@psu.edu

ANNUITY

ANNUITY is a contract between you and an issuer whereby you agree to give the issuer principal and in return the issuer guarantees you fixed or variable payments over time. While annuities are not insurance policies, they are issued by insurance companies..

TOWN PLANTATION

We hope you will take a few minutes to browse our website. For both businesses and residents alike, Plantation offers all the amenities of a large city, but with the safety and security of a smaller, “hometown” community. There are recreation and meeting facilities to indulge every taste and price range, nationally recognized athletics programs, Olympic-sized swimming pools, an abundance of tennis courts and golf courses, restaurants ranging from conventional to exotic and an assortment of superior hotel accommodations. And for sports fans, within a short drive we can watch professional football, baseball, basketball and hockey teams in action.

Ethnic group of Malaysia.

Malaysian culture or Malaya culture is a mixture of Malay, Chinese, Indian, and various indigenous tribes dating back to more than fifteen hundred years ago from a Kedah kingdom in Lembah Bujang with traders from China and India. Other cultures in the past that influenced heavily on the culture of Malaya include the Persian, Arab and European.Contents[hide]1 Orang Asli and indigenous peoples2 Malay3 Chinese4 Indian5 External links//Orang Asli and indigenous peoplesThe indigenous tribes are the oldest inhabitants of Malaysia. They account for about 5 percent of the total population, and represent a majority in East Malaysia of Sabah and Sarawak. In Sabah, the largest official ethnic group is Kadazan, thought many unofficially recognised subgroups exist. The same can be said of other ethnic groups, with as many as a hundred racial groups forming the state's population. However due to the fact that many subgroups possess only minor differences, they are not always differentiated. In Sarawak, the dominant tribal groups are the Dayak, who typically live in longhouses if in the rural areas and are either Iban or Bidayuh.MalayMalay are Malaysia's largest ethnic group, accounting for over half the population and the national language. By definition of the Malaysian constitution, all Malays are Muslims. Traditional Malay culture can still be found in the village. Malays in different areas of the country speak their own unique dialects that can sometimes be unintelligible to most of their fellow countrymen.ChineseThe first Chinese to settle in the Straits Settlements, primarily in and around Malacca, gradually adopted elements of Malaysian culture and intermarried with the Malaysian community and with this, a new ethnic group called babas (male) and nyonyas (female) emerged. Babas and nyonyas as a group are known as Peranakan. They produced a synthetic set of practices, beliefs, and arts, combining Malay and Chinese traditions in such a way as to create a new culture.The Chinese have been settling in Malaysia for many centuries, as seen in the emergence of the peranakan culture, but the exodus peaked during the nineteenth century through trading and tin-mining. When they first arrived, the Chinese often worked the most grueling jobs like tin mining and railway construction. Later, some of them owned businesses that become large conglomerates in today's Malaysia. Most Chinese are Tao Buddhist and retain strong ties to their ancestral homeland. They form the second largest ethnic group.IndianIndians had been visiting Malaysia for many centuries, but only settled during the nineteenth century. Most came from South India, fleeing a poor economy or by an organised emigration administrated by the British authorities. Arriving in Malaysia, many worked as rubber tappers, while others built the infrastructure or worked as administrators and small businessmen. The Indians form the third largest ethnic group of Malaysia.

MY MISSION & VISION

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