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London, United Kingdom Jan 16, 2023 (Issuewire.com) – Global Banking & Finance Review(R) announces the list of winners for its 12th annual Global Banking & Finance Awards(R) program 2022

Global Banking and Finance Review is privileged to honour those financial institutions that have achieved outstanding results and who stand out in their particular area of expertise in the banking and finance industry.

Global Banking & Finance Review would like to congratulate the award winners and look forward to their continued success. The awards were created to recognize companies of all sizes that are prominent in particular areas of expertise and excellence within the financial community. They reflect the involvement of leading financial organizations and recognize the accomplishment, achievement, innovation, strategy, and progressive and motivating changes taking place within the financial sector. The award winners are P-Z. See the complete list by visiting the website https://www.globalbankingandfinance.com/global-banking-finance-awards-2022-award-winners/

Name of the Award Winning Company – Award Won

Pacifico Seguros Best Life Insurance Company Peru 2022

Pan Asia Banking Corporation Best Banking Product Sri Lanka 2022 (Pawning)

Pan Asia Banking Corporation Employee ESG Program of the Year Sri Lanka 2022

PCES Best New Chatbot for Financial Services Macedonia 2022

People’s Bank Best Investment Bank Sri Lanka 2022

PGA SOMPO INSURANCE CORPORATION Best Non-Life Insurance Company Digital Transformation Philippines 2022

Ping An Bank Company Ltd Best Corporate Governance Bank China 2022

Ping An Bank Company Ltd Fastest Growing Retail Bank China 2022

Ping An Bank Company Ltd Best Investor Relations Bank China 2022

Ping An Bank Company Ltd Best Private Bank China 2022

Piraeus Asset Management M.F.M.C. Asset Management Company of the Year Greece 2022

Piraeus Asset Management M.F.M.C. Pension Fund Manager of the Year Greece 2022

Portfolio Personal Inversiones (PPI) Best Research House Argentina 2022

Portfolio Personal Inversiones (PPI) Most Innovative Online Broker Argentina 2022

Postova Banka Best CSR Bank Slovakia 2022

PROCHOICE CHRIMATISTIRIAKI LTD Best Securities Brokerage Cyprus 2022

Profee Fastest Growing Money Transfer Platform Europe 2022

Profile Software Best Treasury Management Software Solution Provider Europe 2022

PROMMT Excellence in Innovation – Payment Solution Provider Ireland 2022

PT Surya Timur Alam Raya Asset Management Fastest Growing Asset Management Company Indonesia 2022

Avrist Asset Management Best Corporate Governance Company Indonesia 2022

Avrist Asset Management Decade of Excellence Asset Management Indonesia 2022

Sucorinvest Asset Management Asset Management Company of the Year Indonesia 2022

Sucorinvest Asset Management Asset Management Company South East Asia 2022

Public Bank Berhad Best Corporate Governance Bank Malaysia 2022

Qatar Insurance Company Insurance Brand of the Year Qatar 2022

Qatar Insurance Company Best Online Insurance Company Middle East 2022

QNB ALAHLI Best Corporate Bank Egypt 2022

QNB ALAHLI Best Bank for Digital Banking Services Egypt 2022

QNB ALAHLI Best SME Bank Egypt 2022

QNB ALAHLI Best Retail Bank Egypt 2022

QNB ALAHLI Best Trade Finance Bank Egypt 2022

QNB ALAHLI Best Bank for Treasury Activities Egypt 2022

QNB Financeinvest Fastest Growing Investment Bank Turkey 2022

QNB Finansbank A.. Best Online Services for Micro and SME Turkey 2022

QNB Finansbank A.. Best Bank for Digital Transformation Turkey 2022

QPay Mongolia Best Payment Solution Provider Mongolia 2022

Regina Capital Development Corporation Best Research House Philippines 2022

Reunion Insurance Company Limited Best Home Insurance Company Malawi 2022

RHB Banking Group Best Banking Product (RHB Live FX @ Reflex) Malaysia 2022

RHB Banking Group Best Forex Bank Malaysia 2022

RHB Banking Group Best Multi-Currency Account Malaysia 2022

RHB Banking Group Best Islamic Forex Bank Malaysia 2022

RHB Banking Group Best Islamic Multi-Currency Account Malaysia 2022

Rizal Commercial Banking Corporation Best Banking Products (RCBC Hexagon Club and RCBC OneAccount) Philippines 2022

Rizal Commercial Banking Corporation Best Corporate Bank Philippines 2022

Rizal Commercial Banking Corporation Best Bank for Sustainable Development Philippines 2022

Rizal Commercial Banking Corporation Best SME Bank Philippines 2022

Rizal Commercial Banking Corporation Best Retail Bank Philippines 2022

Rizal Commercial Banking Corporation Best Trade Finance Bank Philippines 2022

Rizal Commercial Banking Corporation Best Cash Management Bank Philippines 2022

Robinsons Bank Corporation Fastest Growing Retail Bank Philippines 2022

RoboForex Best Multi-Asset Trading Platform LatAm 2022

Rui M. Barros, Absa Bank Mocambique Banking CEO of the Year Mozambique 2022

SACOMBANK Best Forex Bank Vietnam 2022

SALAMA Islamic Arab Insurance Co. P.S.C Insurance Brand of the Year UAE 2022

SALAMA Islamic Arab Insurance Co. P.S.C Best Online Insurance Company UAE 2022

Sanasa Life Insurance Company PLC Fastest Growing Life Insurance Company Sri Lanka 2022

Sancor Seguros Insurance Brand Of The Year Argentina 2022

SENDMN NBFI LLC Best Money Transfer Mongolia 2022

Servfund Fund Administration Company of the Year Egypt 2022

Shanghai Pudong Development Bank (SPD Bank) Fastest Growing Forex Bank Hong Kong 2022

SICO BSC (c) Best Investment Bank Bahrain 2022

SICO BSC (c) Best Securities Brokerage Bahrain 2022

SICO Funds Services Company BSC (c) Best Fund Administration Company Bahrain 2022

Sigma Interalbanian VIG Best Insurance Company Digital Transformation Albania 2022

SinoPac Financial Holdings Company Ltd Best Corporate Governance Company Taiwan 2022

SinoPac Securities Brokerage Brand of the Year Taiwan 2022

Slater Investments Limited Asset Management Company of the Year UK 2022

Smart Credit Decade of Excellence Microfinance Moldova 2022

SmartCharts Most Innovative New Trading Platform Australia 2022

SmartCharts Most Innovative New Trading Platform Philippines 2022

SmartCharts Most Innovative New Trading Platform UK 2022

Smartswitch Botswana PTY LTD Best Financial Inclusion Technology Solutions Provider Botswana 2022

Societe Generale Cameroun Best Corporate Bank Cameroon 2022

Societe Generale Cameroun Best Retail Bank Cameroon 2022

Solidarity Bahrain BSC Best General Insurance Company for Innovation Bahrain 2022

Solidarity Bahrain BSC Best Online Insurance Company Bahrain 2022

Sri Lanka Telecom PLC Telecommunications Customer Satisfaction & Happiness Sri Lanka 2022

Stag Fund Management Best New Private Equity Fund Manager Portugal 2022

STANBIC BANK ZIMBABWE Best CSR Initiatives Zimbabwe 2022

Standard Bank Group Best Investor Relations Bank South Africa 2022

Standard Investment Bank Decade of Excellence Investment Banking Kenya 2022

Sterling Capital Limited Best Investment Bank Kenya 2022

Subash Sharma, Absa Bank Limited Banking Chief Digital Officer of the Year South Africa 2022

Sunibel Corporate Services Ltd Best Offshore Corporate Advisory Mauritius 2022

Syed Mahbubur Rahman, Mutual Trust Bank Limited Banking CEO of the Year Bangladesh 2022

T.C.R. INTERNATIONAL LTD Fastest Growing Securities Brokerage Company Cyprus 2022

Taipei Fubon Commercial Bank Best New Robo Advisory Service (Nano Investment) Taiwan 2022

Taipei Fubon Commercial Bank Excellence in Innovation – Payments (Smart City pay Taipei) Taiwan 2022

Taipei Fubon Commercial Bank Excellence in Innovation- Digital Wealth Management Solutions Taiwan 2022

Taipei Fubon Commercial Bank Best New Insurance Payment Solution Taiwan 2022

Tap Payments Excellence in Innovation Awards Mena 2022 – Organization

TBC Bank Best Cash Management Bank Georgia 2022

TDB Securities SC Fastest Growing Securities Brokerage Mongolia 2022

Thaire Life Assurrance PCL Best Reinsurance Company Thailand 2022

The Barbados Trust Fund Limited Best Micro Finance Company Barbados 2022

The Co-operative Bank UK and Infosys Finacle Excellence in Innovation Awards – SME Digital Banking UK 2022

Tien Phong Commercial Joint Stock Bank (TPBank) Best Digital Banking Vietnam 2022

Tien Phong Commercial Joint Stock Bank (TPBank) Savy-Most Innovative Mobile Savings App Vietnam 2022

TISCO Asset Management Co., Ltd. Decade of Excellence in Provident Fund Management Thailand 2022

TM tryggingar hf Insurance Brand of the Year Iceland 2022

TM tryggingar hf Best Insurance Company Digital Transformation Iceland 2022

Tonik Bank Best New Digital Bank Philippines 2022

Trading.md Best Forex Education & Training Moldova 2022

Travelex Bank Best Forex Bank Brazil 2022

TSBG Hosting Ltd Best Data Enterprise Cloud Solution Provider Bulgaria 2022

TSKB – Industrial Development Bank of the Turkey Best Bank for Sustainable Development Turkey 2022

Tune Protect Thailand Best Online Insurance Company Thailand 2022

Tune Protect Thailand Best Travel Insurance Product (iPass) Thailand 2022

uab bank Limited Banking Brand of the Year Myanmar 2022

uab bank Limited Best Retail Bank Myanmar 2022

uab securities Limited Best Investment Bank Myanmar 2022

UBA BENIN Best Bank for Digital Banking Services Benin 2022

UBA Kenya Bank Limited Most Innovative Retail Banking App Kenya 2022 (Leo)

Ubank and Infosys Finacle Excellence in Innovation – Cloud Banking Solutions Vietnam 2022

Ulaanbaatar City Insurance Best General Insurance Product (Comprehensive Apartment Insurance) Mongolia 2022

Ulaanbaatar Securities Exchange Fastest Growing Stock Exchange Mongolia 2022

Unicapital Best SME Financial Advisory Company Philippines 2022

UniCredit Leasing Croatia d.o.o. Best Auto Leasing Company Croatia 2022

Union Bank of India and Infosys Finacle Best Self-Service Banking Implementation India 2022

Union Bank of the Philippines Best Digital Bank Philippines 2022

Union Bank of the Philippines Excellence in Innovation -Banking Philippines 2022

UNIQA (Macedonia) Insurance Brand of the Year Macedonia 2022

UNIQA insurance Montenegro Best General Insurance Company Montenegro 2022

Unison Decade of Excellence Insurance Georgia 2022

Varchev Finance Ltd. Best Forex Broker Bulgaria 2022

Viacloud Telecom Decade of Excellence Telecommunications Bahrain 2022

Viet Capital Bank Best Bank for Digital Transformation Vietnam 2022

Viet Dragon Securities Corporation (VDSC) Best Trading Platform Vietnam 2022

VietinBank Best Banking Loan Product (Online Overdraft) Vietnam 2022

VietinBank Best Card Product Vietnam 2022

VietinBank Derivatives Bank Brand of the Year Vietnam 2022

VietinBank Leading Contact Center Vietnam 2022

VietinBank Banking Customer Satisfaction & Happiness Vietnam 2022

VietinBank Excellence in Innovation – Merchant Services Vietnam 2022

VietinBank Best Retail Bank Vietnam 2022

Vietnam Asia Commercial Joint Stock Bank (VietABank) Best Bank for Sustainable Development Vietnam 2022

Vietnam Prosperity Joint-Stock Commercial Bank (VPBank) Excellence in Innovation – Digital Banking for SME Vietnam 2022

Vingroup JSC Best Investor Relations Company Vietnam 2022

Vitas s.a.l Best Micro Finance Company Lebanon 2022

VM Group Best CSR Company Jamaica 2022

Wethaq Takaful Insurance – Egypt Best General Takaful Provider Egypt 2022

Whitestar Asset Solutions S.A. Asset Management Company of the Year Portugal 2022

Will Painter, WP Communications Communications CEO of the Year UK 2022

WINNER – Vienna Insurance Group Best Auto Insurance Company Macedonia 2022

Woori Bank VietNam Most Innovative Retail Banking App (WON) Vietnam 2022

Xiangyang Gao, ICBC Turkey Banking Chairman of the Year Turkey 2022

Yap Kredi Faktoring A. Best Factoring Company Turkey 2022

YAPI KREDI FINANSAL KIRALAMA A.O. Best Business Equipment Leasing Turkey 2022

Yapster e-Trade, Inc (2tradeasia) Decade of Excellence Brokerage Philippines 2022

Yogendra Katiyar, WE NETWORK LLC Telecommunications CEO of the Year Oman 2022

Zanaco Best Retail Bank Zambia 2022

Ziraat Bankasi Best Bank for Data Quality Management Turkey 2022

Zurich International Life Best Life Insurance Company UAE 2022

About Global Banking & Finance Review

Global Banking & Finance Review(R) is the leading online, digital, and print magazine for the banking and financial sector. The website receives over 7 million page views each year thanks to its balanced views and informative, independent news centered on the financial sector. To support individuals and businesses of all sizes Global Banking & Finance Review created Gawdo.Com – Get Any Work Done Online. Gawdo is an Online Platform that delivers a wide range of digital media services for Businesses and Individuals. You will find everything from Digital Marketing to Content Creation to Video Creation & any digital service which is practically imaginable.

The Global Banking & Finance Awards(R) was created to recognize companies of all sizes that are prominent in particular areas of expertise and excellence within the global financial community. The awards are known throughout the global banking and financial community. They reflect the innovation, achievement, strategy, and progressive and inspirational changes taking place within the financial sector.

Physical Conference on 15th & 16th February 2023

Bangalore, India, 16th January 2023, ZEXPRWIRE, After successful 20 editions of Manufacturing IT Summit, Exito is all set to host another milestone event- the 21st Edition of Manufacturing IT Summit, an in-person event which serves as an ideal platform to enhance the experience to “ Re-imagine, Innovate, and Transform”. The Manufacturing IT Summit is a by invite only in-person event exclusively for Technology leaders from leading businesses, institutions and government officials representing Indonesia’s manufacturing sector. Recent data from the Ministry of Industry has indicated that the manufacturing sector has had the largest contribution to its GDP. Indonesia aspires to be a top 10 economy by 2030, with net exports to be its growth engine. 

The next 15 years is forecasted to be the Golden Age for Indonesia as it will realise a demographic bonus peak. Accelerating growth of the manufacturing sector is critical, with the Indonesian government planning to implement industry 4.0 through the Ministry of Industry’s Making Indonesia 4.0 roadmap.

Manufacturing IT Summit Indonesia aligns itself with Indonesia’s national goals and is a leading networking conference, gathering the most influential of these technology leaders to explore synergies and discuss today’s biggest technological challenges, fostering deeper collaboration, and generating new ideas.

This conference will bring together over 150 C-Level Executives, Directors, and Heads of Technology, to discuss the critical technology issues affecting today’s manufacturing industry.

Speakers like Ir. Ignatius Warsito, Minister’s Expert Staff for Strengthening Domestic Industry Capabilities, Acting Director General of  Chemical, Pharmceutical and Textile Industry, Ministry of Industry, Republic of Indonesia, Chairul Saleh, Director of Community Development & Entrepreneurship, Coordinating Ministry for Economic Affairs, Republic of Indonesia, Salil Dutt, Chief Technical Adviser, United Nations Industrial Development Organization (UNIDO), Raine Renaldi S.IIP, Chief of Digital Assest Committee, KADIN President, ID-OPENTECH Group, Republic of Indonesia, Juan Kanggrawan, Head of Product, Tribe & Data, Indonesia National Ministry (GovTech) and Smart Cities, Republic of Indonesia, Wilbertus Darmadi, CIO, Toyota Astra Motor, Mochamad James Falahuddin, Executive Director, Indonesia Blockchain Society among many others will be sharing their experiences and expertise at the summit.

Event registration has commenced for Delegates and Sponsors.

  The delegates will be exposed to in-depth, trend-forward sessions & workshops – practical takeaways and ideas to keep you ahead in the digital economy.

  The sponsors will be able to create an overwhelming branding in the event along with meeting their prospects and displaying the products.

  Hundreds of seasoned marketers, strategists, designers, and more to network and connect with. Meet your customers, vendors, expert resources, friends and colleagues on 15th & 16th of February.

Register Now to engage at this grand event as the slots are filling up fast.

To know more about the event, www.manufacturingitsummit/indonesia

About Exito:

We are a global B2B business events company focused on crafting bespoke solutions and contexts by 

designing platforms that create new business opportunities for our clients across concepts and industries.We cherish the trust over the last 12 years garnered from our partnering organizations globally, and with a growing team of young, vibrant, and creative individuals, Exito aims at success and perfection!

Physical Conference on 22nd & 23rd February

Bangalore, India, 16th January 2023, ZEXPRWIRE, After successful 16 editions of Cyber Security Summit, Exito is all set to host another milestone event- the 17th  Edition of Cyber Security Summit, an in-person event organised under the theme Securing Singapore’s Digital Future. The 17th edition of the Cyber Security Summit is an invitation-only in-person event exclusively for cybersecurity leaders in Singapore. Singapore has long set its sights on becoming a world-class, tech-driven city-state. The Smart Nation initiative was established to achieve this by harnessing IT, networks, and big data to create tech-enabled solutions. The cybersecurity industry is crucial in “underpinning a sustainable digital future,” as stated by Teo Chee Hean, Singapore’s coordinating minister for national security.

According to the Infocomm Media Development Authority, the cybersecurity market in Singapore is expected to reach USD 889 million in 2022. From 2022 to 2030, the market is projected to grow a further 10% to 13% to become a USD 2.4 billion market. In October 2021, Singapore launched the Singapore Cybersecurity Strategy 2021, outlining the country’s goals and approach to adapt to a rapidly evolving strategic and technological environment. Strategy 2021 will support industry innovation and the growth of cyber entrepreneurs and start-ups in Singapore through targeted government initiatives. The agenda of the Cyber Security Summit is aligned with the Singaporean government’s strategies to make organisations cyber resilient.

The conference will host 150+ IT security leaders, to network, learn, be inspired, and collaborate in identifying and addressing cyber concerns.

Speakers like Veronica Tan, Director, Safer Cyberspace, Cyber Security Agency of Singapore, Steven SIM kok Leong, President, ISACA Singapore Chapter, AJ Eserjose, Regional Director, OT- ISAC, Working Group Member on Cyber Resilience in oil &  gas, World Economic Forum, John Lee, Managing Director (Asia- Pacific), Global Resilience Federation, Anthony Lim, Director, The Centre for Strategic Cyberspace + international Studies, David Ng, Head of Group Technology Information, Security Office, OCBC Bank.

Marcus Tu, Head of Cybersecurity, Singapore Post Ltd. among many others will be sharing their experiences and expertise at the summit.

Event registration has commenced for Delegates and Sponsors.

  The delegates will be exposed to in-depth, trend-forward sessions & workshops – practical takeaways and ideas to keep you ahead in the digital economy.

  The sponsors will be able to create an overwhelming branding in the event along with meeting their prospects and displaying the products.

  Hundreds of seasoned marketers, strategists, designers, and more to network and connect with. Meet your customers, vendors, expert resources, friends and colleagues on 22nd & 23rd February.

Register now to engage at this grand event as the slots are filling up fast.

To know more about the event, www.cybersecuritysummit/singapore

About Exito:

We are a global B2B business events company focused on crafting bespoke solutions and contexts by 

designing platforms that create new business opportunities for our clients across concepts and industries.We cherish the trust over the last 12 years garnered from our partnering organizations globally, and with a growing team of young, vibrant, and creative individuals, Exito aims at success and perfection!

Physical Conference on 10th February 2023

Bangalore, India, 16th January 2023, ZEXPRWIRE, After successful 15 editions of Cyber Security Summit, Exito is all set to host another milestone event- which serves as an ideal platform to enhance insights of  Kenya’s Cyber Security Models for tomorrow. The Cybersecurity Summit is an invitation-only in-person event exclusively for cybersecurity leaders from leading businesses, institutions and government establishments in Kenya. The Summit, which is in alignment with Kenya’s Vision 2030, will discuss challenges, policies and strategies towards building a cyber resilient Kenya. The Summit will also highlight the various tech-disruptions for overcoming new risks inherent in digital businesses, and incorporating a culture of information security in all institutions and organizations.

At the Cyber Security Summit Kenya, you will hear Cyber Security thought leaders talk about the action plans, strategies and best ways to build next-gen digital cyber vault and cyber crime resilient Kenya. You will also have panel discussions, fireside chats, Industry keynotes, solution showcases and interactive workshops to discuss how to build a stronger and secured cyber infrastructure in Africa.

The summit will feature leading over 150+ CISO’s, CIO’s, Heads of Digital Transformation, IT Infrastructure, Cyber security, Information and Communication Technologies and other experts in this domain, this platform will equip you with the essential tools to risk-proof your businesses.

Speakers like Faith Katua, Advocacy Director, ISACA Kenya Chapter, Fredrick Endeki, Head of ICT, KMTC Machakos Campus, Ministry of Health, Republic of Kenya, Faith Nyaga, Senior ICT Officer, Water Resources Authority, Republic Of Kenya, David Kitonga, Head Information Security, Jamii Telecommunication Ltd, Amit Saxena, CIO, Ramco Plexus Ltd, Hartnell Ndungi, Chief Data Officer, Absa Bank Kenya PLC, Anastasia Chege, Head Of Technology Risk And Security, Kenya Airways, Makale Benson, Head Of ICT Service Operations, I&M Bank Kenya among many others will be sharing their experiences and expertise at the summit.

Event registration has commenced for Delegates and Sponsors.

  The delegates will be exposed to in-depth, trend-forward sessions & workshops – practical takeaways and ideas to keep you ahead in the digital economy.

  The sponsors will be able to create an overwhelming branding in the event along with meeting their prospects and displaying the products.

  Hundreds of seasoned marketers, strategists, designers, and more to network and connect with. Meet your customers, vendors, expert resources, friends and colleagues on the 10th of February.

Register now to engage at this grand event as the slots are filling up fast.

To know more about the event, www.cybersecuritysummit/kenya

About Exito:

We are a global B2B business events company focused on crafting bespoke solutions and contexts by designing platforms that create new business opportunities for our clients across concepts and industries.We cherish the trust over the last 12 years garnered from our partnering organizations globally, and with a growing team of young, vibrant, and creative individuals, Exito aims at success and perfection!

Castro Valley, California, 16th January 2023, ZEXPRWIRE, While you may have heard that nothing is certain but death and taxes, it is possible to reduce your US taxes to nearly zero, even when you’re paid a salary, reduce your taxable income by maximizing the money you invest in retirement and contribute to a healthcare savings account (HSA) or flexible spending account (FSA). These contributions (up to a limit) are non-taxable. Once you have your paycheck down to the minimum you need to cover your expenses, make sure you’re claiming all the tax credits and deductions you qualify for each year.

Method 1: Making a Salary Reduction Contribution

Open a qualified employer-sponsored retirement account. If your employer offers a 401(k) retirement program, you can contribute up to $19,000 of your annual income to the plan before taxes are withheld for the tax year 2019. The maximum amount is adjusted annually to account for the rising cost of living.

· Because this money is taken out of your paycheck before taxes are withheld, you reduce your taxable salary. Depending on your salary amount, this could drop you into a lower tax bracket. Regardless, you won’t owe taxes on that money.

· The tax on your retirement contributions is considered to be deferred. You will pay those taxes when you withdraw from your account after you retire.

Tip: If you are 50 or older, you can contribute an additional “catch-up” amount of up to $6,000.

Add a 457(b) plan if you work for a qualified employer. If you work for the state or local government or a nonprofit organization, you may be able to open a 457(b) plan. Find out from your employer if these plans are offered. If you have access to one, you can contribute up to $20,500 of your annual income to the plan as of 2022.

· As with 401(k) contributions, these contributions are tax-deferred. You don’t pay taxes on the money now, so you reduce your taxes on your salary. You will pay taxes on withdrawals after retirement, but presumably, at that point, you’ll have a lower annual income and fall into a lower tax bracket, so you’ll ultimately still pay less in taxes overall.

· The $20,500 contribution limit is entirely separate from the contribution limit for other plans. If you have a 401(k) and 457(b) plan, you can defer taxes on up to $41,000 a year.

· For example, suppose you are a public school teacher earning $48,000 a year. Your spouse is an attorney who earns $150,000 a year, an amount the two of you can easily live on. You can contribute up to $41,000 a year towards your retirement plans, giving you a taxable income of only $7,000. Your household income would, therefore, be $157,000 a year rather than $198,000.

Use an IRA if you don’t have an employer-sponsored retirement plan. Contributions to a traditional IRA may be tax-deductible. The amount you can deduct depends on your modified adjusted gross income (MAGI), your filing status, and your contributions to other retirement accounts. This amount is also adjusted each year to account for the cost of living increases.

· Even if you have a 401(k), you may still be able to deduct all or part of your contributions to an IRA. Your total retirement savings, however, cannot exceed $20,500 (as of 2022). For example, if you don’t earn enough money to save $20,500 with your 401(k), you could make up the difference with an IRA contribution.

Tip: You may also be eligible for a saver’s credit on your taxes of up to 50 percent of your IRA contribution. This credit maxes out at $1,000, depending on your adjusted gross income and filing status.

Method 2: Opening an HSA or FSA

Find out if your employer offers insurance plans with HSAs. An HSA is a savings account where you can save money to cover out-of-pocket health expenses. HSAs are typically offered in conjunction with a high-deductible insurance plan. Contributions to your HSA are tax-free, up to a certain amount. For 2019, the limit is $3,850 for individuals or $7,750 if you have family insurance coverage.

· You can use the money in your HSA tax-free for medically related expenses, including doctor visits, prescriptions, lab tests, hospital care, and certain over-the-counter medications if prescribed by your physician.

· Your HSA contributions roll over from one year to the next, so you don’t need to worry about losing any of the money you’ve put in your HSA. It will be there when you need it.

Set up an HSA on your own if necessary. If you purchase your own insurance, either because your employer doesn’t offer insurance or because you’re self-employed, you can still get the benefits of an HSA by choosing a high-deductible insurance plan.

· During the open enrollment period, search plans on the marketplace at https://www.healthcare.gov/. Look for plans that include an HSA.

· High-deductible plans with HSAs typically have a much lower premium. This plan may be a good option for you if you are young, in good health, and seldom go to the doctor.

Contribute the maximum amount to any employer-provided FSA. FSAs are similar to HSAs but are not offered in conjunction with any health insurance plan and are solely provided by employers to their employees. FSAs are typically for health-related expenses, but you can also set up an FSA for dependent care, including child care.

· FSA contributions are pre-tax and reduce your taxable income. Contributions are typically limited to around $2,850 a year, although this amount may vary depending on your income.

· If you have expenses that fall under an allowed category for an FSA, it makes sense to deduct the money from your paycheck before taxes and put in the FSA. Then you can pay for that expense with tax-free dollars. For example, if you pay $500 a month for childcare, you could put $500 a month in an FSA, then pay for the childcare directly from the FSA account.

Warning: With FSAs, you typically lose any amount you’ve contributed if you haven’t spent it by the end of the year. While contributing up to the maximum can reduce your taxable salary, this won’t help you much if you lose that money.

Method 3: Taking Applicable Credits and Deductions

Compare the standard deduction to itemized deductions. The Tax Cuts and Jobs Act of 2018 increased the standard deduction while eliminating a number of itemized deductions. Even if you’ve always itemized in the past, you might be able to reduce your taxes by taking the standard deduction.

· For 2022, the standard deduction is $12,950 for individuals, $19,400 for the head of household, and $25,900 for married couples filing jointly.

· Generally, you may benefit from itemizing your deductions if you had significant uninsured medical expenses, paid interest or taxes on a home you owned, or had significant losses following a federally declared disaster.

Tip: If you use tax preparation software like TurboTax, the software will determine whether you would benefit the most from itemizing your deductions or taking the standard deduction based on your answers to a few simple questions.

Deduct your student loan interest if you are paying back student loans. Student loan interest is deductible regardless of whether you itemize your deductions or take the standard deduction. This deduction reduces the amount of your income that is taxable.

· As of 2022, you may deduct the interest you paid over the year on your student loans up to a maximum of $2,500.

Tip: You can deduct student loan interest even if someone else, such as a parent or relative, is paying your student loans on your behalf.

Determine if you qualify for the Earned Income Tax Credit (EITC). The EITC provides a tax break for working individuals and couples with low to moderate incomes. Generally, you must earn income either from working for someone else or through self-employment, as well as meet other rules. Most taxpayers who qualify for the EITC have at least one child.

· You can use the IRS’s EITC Assistant, available online at https://www.irs.gov/credits-deductions/individuals/earned-income-tax-credit/use-the-eitc-assistant, to determine if you qualify for the EITC.

Take the child tax credit if you have children. The child tax credit is a refundable tax credit of $2,000 for each child you have who is under the age of 17. You qualify for this credit if you make less than $200,000 as an individual or $400,000 if you are married and filing jointly.

· Because this tax credit is refundable, you can get up to $1400 back per child, even if your tax bill was already zero.

Tip: Each child you claim the child tax credit must have a valid Social Security number.

Get an additional credit for any other dependents. If you have a child over the age of 17 for whom you cover at least half of their living expenses, you can still claim a $500 tax credit for them, even if they’re too old to qualify for the child tax credit.

· You can also get this credit for others who live with you and depend on you for care, such as an older relative or a disabled person.

· You cannot claim the dependent or child tax credit if someone else claims that person as a dependent.

Claim a credit for installing renewable energy equipment in your home. If you own your home and want to convert some or all of your utilities to renewable energy, you may qualify for a tax credit worth a percentage of the system you install. Products include fuel cells, small wind turbines, geothermal heat pumps, and solar energy systems. While rental homes do not qualify, primary and secondary homes do, as well as new builds. The tax credit is gradually reduced each year until they were phased out in 2021:

· 30% for systems placed in service by December 31, 2019;

· 26% for systems placed in service after December 31, 2019, but before January 1, 2021; and

· 26% for systems placed in service after December 31, 2020, but before January 1, 2022.

US companies can earn by renting out their 360 camera booth as a high-priced premium product in high-profile social circles.

London, England, 16th January 2023, ZEXPRWIRE,  LINKSIGN UK CO. LTD produces and deals in 360 degree photo booth software and products, targeting consumers and businesses alike. Photo booth businesses in the US profit from Chacktok, the software brand name of LINKSIGN UK CO. LTD, by buying 360 photo booth products and renting them to local customers. 360 photo booths are premium entertainment devices with high rental value. This is why US businesses are actively investing in this latest technology to provide customers 360 photo booths for high-quality entertainment for their high-profile events.

The traditional photo booth has undergone several changes over the last few decades. The latest 360 spin photo booth is currently a premium contender in the photo booth market. Photo booth businesses, including 360 photo booth rentals, are thriving around the globe but have been especially successful in the US, cementing photo booths as prime entertainment devices for all kinds of events. The demand for photo booth software is expected to grow significantly in the following years as it has made it easier to share pictures and videos over social media with added special effects.

Chacktok aims to fill that demand by equipping the local 360 photo booth rentals in the US. Selling its products to other businesses is a part of the company’s larger targets because it also sells to consumers directly.

A representative from the company said, “360 photo booths are here to stay, and Chacktok is spearheading this change. We are a professional team of high-level engineers producing high-quality products. Our high-quality products are celebrated overseas, especially in the US, where we have helped countless companies get hold of 360 photo booths to further boost their businesses.”

The company also offers 360 phone booth software app solutions. Additionally, their online store hosts several products and photobooth-related accessories, including mobile stands, ring lights, LED strip lights, and more. People interested in their services can contact them using the details below.

About LINKSIGN UK CO. LTD

LINKSIGN UK CO. LTD is a UK-based company focused on manufacturing and dealing in 360 photo booth software, products, and accessories. Their 360 booth software, branded Chacktok, operates and enhances the 360 photo booth remotely. They ship in the UK as well as overseas.

Media Contacts

Company Name: LINKSIGN UK CO., LTD

Website: https://www.chacktok.com

Email Address: support@chacktok.com

Phone number:  +1 628 488 5213

Whatsapp: +8618123978547

Address: Chase Business Centre, 39-41 Chase Side, London, England, N145BP

Los Angeles, California, 16th January 2023, ZEXPRWIRE, People feeling bogged down, sluggish, and a little heavy from the Holidays, it might be time to give their system a reset with a good colon cleanse. Resetting their system can help improve energy levels, fight fatigue, boost moods, and promote better digestion and weight loss. There are many different types of colon cleanses on the market, but how to find the right one?

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About us

AdrenalWork was started in Austin, TX as the first brand to exclusively focus on addressing aging by addressing metabolic repair.

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They are committed to ensuring everyone (who wants it) has access to the advanced adjustments related to longevity and metabolic repair.

Everyone should have an additional 15 healthy years with their kids, grandkids, and pets!

New York, US, 16th January 2023, ZEXPRWIRE, Gregg Pierce is a notable financial expert who is known for his insights on hard money loans and their impact on the US economy. He currently works as the managing director of Global Capital Partners Fund LLC, where he provides guidance to businessmen from all industries. He has an excellent reputation for great client service, quick closing of loans, and a suite of lending options. Global Capital Partners is a private global commercial lender based in NYC, offering many financing options, including: bridge financing, hard money loans, private lending, commercial real estate financing, structured joint venture financing, permanent financing, mezzanine financing, construction loans and acquisition financing. It is recognized as one of the best mortgage lenders due to its simple loan applications and quick processing. It has been highly successful and helped many clients over the years. Global Capital Partners has funded over $2 billion in transactions. From mortgages to land, development, and even equipment, its expertise in private loan financing allows it to quickly close on loans from $1MM to over $100MM.

Gregg Pierce is a prominent financial expert and managing director of Global Capital Partners Fund LLC, one of the leading private global commercial lenders in NYC. He has earned an excellent reputation for providing great client service, quick closing of loans, and a suite of lending options to businessmen from all industries. With over $2 billion in transactions funded since its inception, Global Capital Partners offers bridge financing, hard money loans, private lending, commercial real estate financing, structured joint venture financing and more. In this article on Disrupt Magazine Gregg Pierce discusses how hard money loans can impact the US economy.

Regarding the importance of hard money loans and their role in the US economy, Gregg Pierce had to offer: “Hard money loans are an important tool for businesses and entrepreneurs, especially those looking to operate in the US. They provide a way for businesses to access capital quickly and easily, so they can focus on what really matters – growing their business. When done correctly, hard money loans can help stimulate the economy by providing additional funds for investment.” He goes on to explain how hard money lenders are able to provide quick funding without all the paperwork of traditional banks or financial institutions. This makes them an invaluable resource for those who need fast funding or financing that may not be available through other sources.

Gregg Pierce emphasizes the importance of proper use of hard money loans when discussing their role in the US economy: “When used correctly, hard money loans can behard money loans can be a great way to fund certain investments or business plans without the traditional restrictions of a bank loan. It’s important, however, that people understand how hard money loans work and be aware of any potential risks involved.” He further underscores the importance of working with an experienced lender when using hard money loans, as this will ensure that borrowers get the best rates and terms for their specific needs.

Ultimately, Gregg Pierce is confident in the role of hard money loans in the US economy: “By providing quick access to capital without sacrificing quality or service, hard money lenders are helping businesses across America succeed financially. As long as these funds are used responsibly and managed properly, they can help stimulate economic growth while benefiting both borrower and lender.” With his expertise and experience, Gregg Pierce is an excellent resource for anyone looking to take advantage of hard money loans. His insights and advice will surely prove invaluable to anyone considering using this type of loan.

With Gregg Pierce’s expertise, Global Capital Partners Fund LLC has been able to provide high quality services to businesses across the United States. Through the use of hard money loans, the company can help stimulate economic growth while providing entrepreneurs with the capital they need to succeed. With his extensive knowledge on the subject, it’s no wonder that Gregg Pierce is one of the most trusted professionals in this industry. If you’re looking for a reliable lender who can offer quick access to capital without sacrificing quality or service, look no further than Global Capital Partners Fund LLC.

Kuala Lumpur, Malaysia Jan 16, 2023 (Issuewire.com) – The “7th World TOP Heritage Gourmet Awards” Ceremony was held on 5th January 2023 at the Ballroom of Royale Chulan Hotel, Kuala Lumpur

The honourable Guest of Honor Y.M. Tengku Dato Dr. Hishammuddin Zaizi, Tan Sri Datuk Seri M. Kayveas, and Dato’ Dr. Ammar Abd Ghapar presented 17 awardees for the “World TOP Heritage Gourmet Awards”, 29 awardees for the “Malaysia TOP Heritage Gourmet Awards”, 58 awardees for the “Famous Restaurant Awards”, 2 awardees for the Grand Master Chef Awards, 31 awardees for the Master Chef Awards and 18 awardees for the “Top Chef Awards”. Other awards included for covering gourmet media and entertainment are the “TOP Gourmet Media Awards”, “TOP Education Awards”, TOP Gourmet KOL Awards”, “TOP Gourmet Travel Awards” and “TOP CEO/Entrepreneur and Women Leadership Awards” accompanied by Prof. Dr. Frederick Yap, Founding President of IBF, and Dr. Dillon Yeap, President of IBF World Heritage Gourmet, to witness all the awards to be presented accordingly.

“World Heritage Gourmet” has also presented the “Gourmet Travel Artist” and “Gourmet Travel Angel” by launching and awarding “Famous Restaurant Awards” in 14 states of Malaysia, as well as appointing Miss CosmoWorld from various countries. Famous Traffic Online celebrities and gourmet broadcasters, and TikToker “Angel” will help to promote the development of Malaysia’s food tourism industry, and cooperates with the promotion of the official promotional brand of the Tourism Promotion Board “Cuti-Cuti Malaysia”, “Travel Around Malaysia” and “Malaysia Asia Truly” – The Charm of Malaysia Asia.

Winners of the “World’s TOP Heritage Gourmet Awards” are:
AWAGYU | POLARIS BAR | FUGO RYORI JAPANESE RESTAURANT | LVC VEGE RESTAURANT | KHUNYA THAI RESTAURANT | AROITHAI | SUPER LOBSTER VILLAGE | AKI STUDIO PLT | BBQ DI BAGGAI RESTAURANT | POTTER JR WESTERN CUISINE | JIM LONG RESTAURANT SDN. BHD. | RESTORAN HUANG KEE | PAPA TASTY-CHEF TIM CATERING & MANAGEMENT | S.K.Y. BIRDNEST | BLUE SKY FOOD GROUP | SELERA RASA NASI LEMAK | 1ST CLASS CATERING.

Grand Master Chef Awards: ANNA PHUA | SHEN-XI

TOP Gourmet Key Opinion Leader Awards: Visky Pang | Tracia Loh | Vendy Hiew | Jayson Loo

Gourmet Advisor: Tan Sri Datuk Seri M. Kayveas | Patrick Lu (Singapore)

Gourmet Ambassador: Vegetarian Love Ambassador – Ms. Carrie Lee | Live Stream Chef Ambassador – Dato Chef Alan Chong | Heritage Food Chef Ambassador – Prof. Dr. Chef Shahrim Ab Karim

Gourmet Travel Artist: Ms. Julianne Tan | PAK CIK CHIN SWEE | ACIK EDDY

Gourmet Travel Angel: BELLE CHUNG | NATALIE ANG | ASHLEY SHEN YE HUA MISS CHINA | SARA KIM AKMARAL KADENOVA MISS KOREA | NIHAL SABIR MISS MOROCCO | ROJINA G MISS IRAN | SANNI ELINA ANTIKAINEN MISS FINLAND | NICOLE CREWE MISS UK | JULIA PAYVINA MISS RUSSIA | Stellar Eng | Vivian Song | Jofia Lai | DJ Jvene Lim | Zoe Yeoh | Amaliya Shakirova | Angela Looi | BIBIMARIYAM DUISEMBEKOVA |CIKPUTCANTIKSEKALI SUARSONO NEW_SUNSHINE PJK | KSIA_TAM_PRIME | K.O.M 67 | MIA(M. K. Q) MIA KAYLA QALESYA | KAKAK_LAWA | EIYRAKECIK | CEOOFNUNACANTIK

IBF World Heritage Gourmet, Dr. Doublelicious, Foodie Club, World Master Chef Club, and since the establishment of the (F&B Resource Alliance) in 2019 for 5 years, it has been deeply involved in the 9 major sectors of the F&B industry [Marketing Culture Branding Management Media Education Finance Technology Government] links form; “3 wins and 5 altogether” philosophy create the “F&B ecosystem”, insisting on [same idea plan together create together win together honour together] share mission establish the 2023 food and travel.

World Heritage Gourmet Officially Launches the Website www.worldheritagegourmet.com, Gourmet Channel “Good Taste”, and jointly launched the online food review and voting system – “Gourmet Hunter 21” project launch conference, bringing new happenings to gourmet tourism lovers.

The focus activities of the night included the “F&B Resource Alliance 12.0″ Project Promotion Ceremony” and the “Signing Ceremony of the Memorandum of Cooperation of the Major Alliance”, forming a huge alliance lineup influence.

F&B Resource Alliance 12.0 – Project Launch Ceremony: Gourmet Hunter 21 | MISS COSMOWORLD | TNCSEA | MIFB | PUSING DAPUR BY KAMISEMPOI | EZ MART

F&B Resources Alliance 12.0 MOU signing unit:
Lincoln University | EASYADV | ELENGAZ CULINARY ACADEMY | MY CHEF CHEF | CARI MAKAN | UPBH | MISS MALAYSIA KEBAYA | JDT HYPERDRINK | SEMENYIH ECO VENTURE RESORT & RECREATION | HASCOTT GROUP