computershare letter of instruction

Variety of letter of instruction template stock transfer that will flawlessly match your needs. When writing a formal or organisation letter, presentation design and format is vital to earning a great initial impact. The main business of Computershare Investor Services PLC is the provision of share registry and shareholder services. Please explain the nature of your request. endstream endobj startxref The holders by using registered form computershare. examines the mechanics of Securities Exchange Act Rule 14a-8, the rule that is triggered when a shareholder submits a proposal to a corporation seeking to have it included in the corporation's proxy materials and voted on at the annual ... The Instructions accompanying this Letter of Transmittal should be read carefully before it is completed. Statement Where Probate/Letters of Administration has/have been granted in an Australian State other than where the securities are registered, a statement in writing as prescribed by Section 1071B of the Corporations Act must be lodged, together with a transfer/transmission within three months of the statement being made. 0 system interest in absence of agreement. Sky rover vigilante instructions. This should be specified in the Letter of Instruction. This letter specifies the date shares were purchased and that they were purchased for investment only. Welcome to Computershare. The Instructions accompanying the Letter of Transmittal should be read carefully before completing this Letter of Transmittal. Activate the Wizard mode on the top toolbar to acquire extra recommendations. This report addresses the corporate governance framework and company practices that determine the nomination and election of board members. Finding the right school of higher learning can be a challenging and really being acknowledged to one of the better schools can appear to be everything except inconceivable. You may also see Application Templates. Enroll. This e-book briefly reviews the principal theories of payout policy and dividend policy and summarizes the empirical evidence on these theories. Empirical evidence is equivocal and the search for new explanation for dividends continues. this letter of transmittal must be validly completed, duly executed and returned to the depositary, computershare investor services inc. (“depositary”). Using a Cash Letter Form The cash letter forms are accessible on If you have inherited shares or are managing shares for a deceased estate, Deceased Estate Assistant guides you through the process of transfer, sale or finalising the estate. Please contact the Depositary or your investment dealer, stock broker, bank, trust company, or other financial advisor if you have any questions or require assistance in completing this Letter of Transmittal. (b) Any questions should be directed to Computershare Investor Services Inc. at 1-800-564-6253 or by sending an e-mail to [email protected]computershare.com. ", "Do … ComputerShare has an average consumer rating of 2 stars from 52 reviews. instruction form appointing yourself as proxyholder and pre-register on the Computershare website. If you need more room for information or signatures, make a copy of the relevant page. Computershare is available, for telephone sales at: Inside US and Canada: +1 866 742 1064. Please note lines are open 8.00am to 8.00pm (EST time). Computershare Trust Company, N.A. Transfer Request — See enclosed instructions PLEASE PRINT CLEARLY CURRENT HOLDER INFORMATION Shares to be Transferred PARTIAL TRANSFER: PLEASE NOTE: Whole shares cannotbe divided into fractional shares. These forms can be completed, when opened from the website, or saved to your computer for later use. Shareholders with certificated shares will receive a letter of transmittal from Computershare with instructions on how to surrender certificates representing pre-split shares. 521 0 obj <> endobj The instructions and FAQs will assist you in completing the Transfer Request forms. PO Box 505004. giving effect to these instructions. Cda.computershare.com DA: 21 PA: 45 MOZ Rank: 66 • If you would like to sell shares held in certificate form, you must return the stock certificate(s) with a signed letter of instruction; We suggest you send the certificate(s) by registered mail with return receipt requested and insured for 3% of the market value, with a minimum insured value of $20.00. We cannot accept a copy, fax or email, Computershare Investor Services Pty Limited GPO Box 2975 Melbourne VIC 3001 Australia All correspondence to: Computershare Investor Services Pty Limited GPO Box 2975 Melbourne Victoria 3001 Australia Enquiries (within USA) 1888 404 6340 Facsimile 61 3 9473 2460 [email protected]computershare.com.au www.bhpbilliton.com letter … discusses employment agreements between employers and their key employees. This straightforward, accessible guide clearly explains what options are and how they work, their pros and cons, their relationship with stocks, and how to use them to gain leverage, generate extra income, and protect against adverse price ... Meggitt UK Letter. The wizard validates the information as you go through the process to ensure all key elements are entered. Certificated Share Dealing Service; Corporate Sponsored Nominee Share Dealing Service When writing an official or organisation letter, discussion design and layout is essential to making an excellent very first impression. Failure to supply a completed NR301 form to us will result in Computershare withholding the statutory 25% withholding tax rate on any payments entitled to you. The Instructions accompanying the Letter of Transmittal should be read carefully before completing this Letter of Transmittal. Computershare is not liable for any claims arising from mail loss. Step 4: Signing instructions The surviving Securityholder(s), executor(s) or administrator(s) must telephone number. h�bbd``b`�$�A�%�`� �V ��3�� $DڀS�`��ʀ�~ � R,"���� �7 CˁĄ�L�L3�,F����0 J�V Be sure the information you add to the Computershare Pfizer is up-to-date and correct. Investors agree to accept all risks when using this service. For Beneficial Unitholders, your voting instruction form must generally be received one business day prior to the Proxy Deadline. Dear _____: I wish to irrevocably contribute (insert number of shares or dollar amount) of (insert stock. We have found that holders who use the Transfer Wizard are three times LESS likely to have their request rejected for missing information. Then I typed Telu and could pick my company easily. or other nominee should contact that nominee for instructions and assistance in delivering those Class A Shares. Type your postal code. The letter must also have a medallion stamp obtainable from most banks. If you still have questions after reading the instructions and answers contained in this package, you may call for additional help at the phone number listed in the top right corner of this letter. If you have questions about submitting cash letters or cash items, please refer to . Video instructions and help with filling out and completing letter of instruction template Instructions and Help about sample letter of instruction to bank form Letter of instruction number 71 C from the office of the chairman of group of 77 United Nations Plaza New York 1 USA through Deputy Secretary General mr. Plan shares can be sold by contacting Computershare at 1-800-328-6955. Company shall have Assortment of letter of instruction template stock transfer that will flawlessly match your needs. Establish New Standing Transfer Instructions You authorize transfers out of this Fidelity account: Fidelity Account Number Computershare will send you the forms to permit the issuance of a replacement certificate. 496 0 obj <>stream This text builds on both real-life examples and academic research and provides appropriate cases chosen specifically for the textbook. (b) Any questions should be directed to Computershare Investor Services Inc. at 1-800-564-6253 or by sending an e-mail to [email protected]computershare.com. Letter Of Instruction Template Stock Transfer Collection. The completed form should be returned to us with our administration fee of £41.00. A fee of $5.00 is charged for the sale transaction and a 12¢ per share brokerage commission. From the UK: 0370 703 6203. %PDF-1.6 %���� Fill each fillable field. letters and black ink. h�b```f`` Act and be dealt with low a meeting of shareholders, including the provision of by means Terms and Conditions - These terms apply to the follow services: Registering for the Certificated Dealing Service, Registering as a company for the Certificated Dealing Service, Registering for the Corporate Nominee Dealing Service, Registering as a company for the Corporate Nominee Dealing Service, Adding share certificates to your account, Gift shares or cash to the ShareGift scheme, W-8BEN certificate of foreign status of beneficial owner for US Tax withholding, Adding your bank or building society account details, Corporate Sponsored Nominee Share Dealing Service. Computershare, Israel's fiscal agent, requires original documents, such as marriage certificates, birth certificates and death certificates. (Computershare cannot accept instructions to sell shares on a specific day or at a specific price.) carefully before this letter of transmittal is completed or submitted to the depositary (as defined below). All quotes are delayed by at least 15 minutes unless indicated otherwise. In providing instructions to Computershare and Tricor through submission of this form, the party warrants to Computershare and Tricor that the Shares are validly existing and genuine, and free and clear of all liens, charges, security interests, claims and … Found insideHello Ruby is the world's most whimsical way to learn about computers, programming and technology. Includes activities for all future coders. Box 505000, Louisville, KY, 40233, Telephone (800) 328-9033 or (781) 575-2718 (outside the U.S.). Computershare Trust Company, N.A. ALEKS is an artificial intelligence-based system for individualized math learning, available for Higher Education from McGraw-Hill over the World Wide Web. 542 0 obj <>/Filter/FlateDecode/ID[<9D6558322F7B1E4D9E4B9BBF5326C655>]/Index[521 41]/Info 520 0 R/Length 101/Prev 603594/Root 522 0 R/Size 562/Type/XRef/W[1 2 1]>>stream You may sell your shares as a market order or batch order. With this book, you’ll learn how to make a variety of modifications, from speeding up boot time and disabling the Lock screen to hacking native apps and running Windows 8 on a Mac. And that’s just the beginning. Louisville, KY 40202. See the cover letter for further details and instead use this box to record the check number you will be enclosing in non-refundable payment of the Medallion Waiver option, along with a copy of a government issued photo ID if electing the option not to provide a Medallion Signature Guarantee stamp. 483 0 obj <>/Filter/FlateDecode/ID[<2002C1B12339CE4E8F0DCDDC2C24CF77><7CB779B08640D74DBB085072D64C37EB>]/Index[464 33]/Info 463 0 R/Length 95/Prev 489230/Root 465 0 R/Size 497/Type/XRef/W[1 2 1]>>stream Print in capital letter … Following completion and submission of your voting instruction form, visit Computershare’s pre-registration website [email protected]computershare.com.au www.computershare.com Securityholder’s account number at US brokerage firm/DTC participant: Full Name of Company or Corporation for removal Use a black pen or type instructions Print in CAPITAL letters Description of Securities - CHESS Depositary Interests Registered Name(s) and Address Where a choice is required, Computershare sent stockholders who hold stock certificates or a combination of stock certificates and book-entry shares, a letter of transmittal containing instructions on how their shares may be exchanged for payment of the merger consideration. For any applicable, you log into a letter whether in a dividend is provided as. The use of Computershare's sales facility is completely voluntary and you may sell your book-entry shares through Computershare at any time. If you have questions about completing or mailing your letter of transmittal or stock certificates for Bowl America Common Stock, please call Computershare at: 1 (800) 546-5141. Please complete the form in English. It’s on most of the letters we send you, including your dividend confirmation, share certificate or statement. The Computershare Investment Plan is sponsored and administered by Computershare (formerly known as EquiServe) , not by IBM. Found inside – Page 14Letters not ALLAN GOULD ANDREW WARREN by email Playing SETS to National Savings and Second , the bulk of my More sites ... with their charges overlooked Computer Share correspondence in these pages law of averages has been broken . Transfer Wizard is the quickest, easiest and most accurate method to create your transfer documents. If I would have liquidated the shares, it would have cost even more. You may at any time by reasonable notice in writing to the Company c/o the Hong Kong Share Registrar or by email to [email protected]computershare.com.hk to change your choice of language(s) and/or means of receipt of future Corporate Communication, notwithstanding any contrary instructions previously conveyed by you to the Company. 0 This book contains a collection of papers about dynamic graphics dating from the late 1960s to 1988. if yo u have any questions or require more information with regard to the procedures for completing this letter of transmittal, please contact computershare investor … Please contact Computershare Trust Company of Canada (the Depositary) or your investment dealer, stock broker, bank, trust company or other financial advisor if you have any questions or require Include the date to the form using the Date feature. Found inside – Page 260ComputerShare disputes that , saying it was given clear instructions to sell . ... ComputerShare was told by DWM that it did not have any surrender forms , he said , but that a covering letter accompanying the shares was sufficient . There are properly executed in name of computershare charge that a warrant agent with. Found insideThis book uncovers the long and significant impact handwriting has had on culture and humanity--from the first recorded handwriting on the clay tablets of the Sumerians some four thousand years ago and the invention of the alphabet as we ... For more information, please see the FAQ document below. Cda.computershare.com DA: 21 PA: 45 MOZ Rank: 66 • If you would like to sell shares held in certificate form, you must return the stock certificate(s) with a signed letter of instruction; We suggest you send the certificate(s) by registered mail with return receipt requested and insured for 3% of the market value, with a minimum insured value of $20.00. Mail the original to the provided address. Computershare Enclosures Computershare P.O. A survey of the art of stock certificates traces fluctuations in the market, and the culture, for two hundred years. Once the forms are completed online, you will receive instructions for printing, signing, and returning the forms to Computershare for processing. Operating Circular #3. 561 0 obj <>stream To make it easier for Computershare to find you, you’ll need your Shareholder Reference Number (SRN). You may sell Computershare Investment Plan shares held in book entry on the records of the Program Administrator by calling Computershare at 888-IBM-6700 or 781-575-2727, or by sending notification to Computershare. this letter of transmittal must be validly completed, duly executed and returned to the depositary, computershare investor services inc. it is important that you validly complete, duly execute and return this letter of transmittal on a timely basis in accordance with the instructions contained herein. Computershare was first mentioned on PissedConsumer on Oct 10, 2012 and since then this brand received 128 reviews.. Computershare ranks 544 of 2426 in Financial Services category. Listed below is the information for each certificate I would like you to issue: The letter must be written lucidly and humbly. To request shares held directly registered in your name with the Transfer Agent, contact us or submit a letter of instruction. This can very in formality, but examples include a boss passing an employee a memo to complete a task, sending your bank a letter instructing them to carry out a transaction, or even a letter of “final instruction” associated with a will. Letter of Instruction PAGE 1 of 1 PO Box 55932 • Boston, MA 02205-5932 • 800-525-3713 Use this Letter of Instruction for requests requiring a Signature Guarantee. ... must be delivered or sent to and received by Computershare Investor Services Inc. (the "Depositary") at one of the addresses set forth above on or prior to the Expiration Date. Box 505000, Louisville, KY 40233-5000. 3 > Computershare Transfer Agent Overview Executive summary This white paper is intended to give a high-level overview of transfer agency, with definitions and descriptions of commonly used terms and processes, such as: > Registered and beneficial shareholders > The Depository Trust Company (DTC) and its nominee, Cede & Co. Worse experience EVER! Medallion Waiver option. This will likely involve the broker initiating a Deposit/Withdrawal at Custodian, or DWAC (pronounced "dee-wack"), and providing a detailed letter instructing Computershare of your intentions. it is important that you validly complete, duly execute and return this letter of transmittal on a timely basis in accordance with the instructions contained herein. The volume discusses this challenging view from various angles of practical philosophy including the aesthetics of film and theater." Hit the Get Form option to start enhancing. Page Content. It also includes language regarding the pledge of the shares and that the required notices will be filed with the Securities and Exchange Commission prior to the proposed share sale. The letter of instruction is helpful when you are giving an order or guidance to carry out some definite task, duty to someone. For international clients: international.schwab.com | 1-877-686-1937 (inside the U.S.) +1-415-667-8400 (outside the U.S.) The form you requested follows this page. Computershare Trust Company, N.A. To complete this form, follow the step-by-step instructions below: If no form is available, contact Computershare at 1-800-328-6955 to receive another form or a stock power to use for the transfer. See Question 15 below for Computershare’s contact information. Learn about your Computershare benefits Learn more about the benefit options you have available at work and how they can help protect you and your family. The above instruction will apply to all future Corporate Communications to be sent to shareholders of the Company until you notify otherwise by reasonable notice in writing (not less than 7 days) to the Company’s share registrar, Computershare Hong Kong Investor Services Limited (the “Share Registrar”), at 17M Floor, Hopewell To Select a company you own shares in, type the first few letters of the company’s name, then click to select it from the list. Account Owner(s) Name Additional Owner/Authorized Individual Name 2. Box 505039, Louisville, KY 40233-5039. David Sarokin and Jay Schulkin explore information - not information technology, but information itself - as a central part of our lives and institutions. Enroll from: 5/19/20 – 6/2/20. This is partly due to the increasing number of learners and the limited resources available to meet a wide range of various needs, backgrounds, expectations, skills, levels, ages, abilities and disabilities. From your Computershare correspondence, type your Holder Account Number. Stamp of Selling Broker(s) or, for transactions which are not stock exchange transactions, of Agent(s), if any, acting for the Transferor For Stamp Office Use Address of … Contact Computershare (see contact information) with any questions you may have on the plan. Shares purchased through the CIP will be held in book entry form at Computershare. The book entry form of ownership allows you to own shares without having physical stock certificates in your possession. Computershare Investor Services Inc., 8th Floor, 100 University Avenue, Toronto, Ontario, Canada, M5J 2Y1, Attention: Corporate Actions. Calls would randomly call right after it was answered or while on hold. Computershare P.O. It is recommended that you mail the certificate(s) using Registered Mail to the address listed below. World leaders in financial administration. By Mail to: Computershare. IMPORTANT, PLEASE READ: Delivery of this Letter of Transmittal or any other required documents to the Depositary to an address other than one of the ad dresses This might include a letter to an employee to complete a task, sending out a letter to the bank, or even a final instruction from someone in death bed on account of estate planning. Found inside – Page 2-1214Trading Turnover Pre - lax profit EPS 98,659 33,954 20 106,786 10,164 31 Registrars : Computershare Investor Services ... signing the certificate has authority to so on behalf of the company / corporation and a letter of instruction . Pick my company easily case C, I or G. if you have not received letter! Merger Consideration the Proxy Deadline letter written giving another party an order or batch.... Computershare Login instructions Frequently Asked questions Shareholder ’ s pre-registration website 5 using registered to. The U.S. ) contact that nominee for instructions and FAQs will assist you in completing the letter Transmittal! Builds on both real-life examples and academic research and provides appropriate cases chosen for! Research and provides appropriate cases chosen specifically for the withholding agent, contact.. Governance framework and company practices that determine the nomination and election of Board members permit issuance... Their customer service representatives will be pleased to assist you in completing the transfer had a and! Starting charging me an annual maintenance fee, so I moved the shares.... Even more and the search for new explanation for dividends continues toll- at! The book entry form at Computershare form appointing yourself as proxyholder and pre-register on the Computershare website, not IBM. From McGraw-Hill over the computershare letter of instruction 's most whimsical way to learn about,. Mode on the top toolbar to acquire extra recommendations randomly call right after it was answered or while on.! Typed Tel and got a list of hundreds of companies not comply with these conditions insert stock should. Via letter to Computershare, Israel 's fiscal agent, see the document. Of their customer service representatives will be held in book entry form of allows! Academic research and provides appropriate cases chosen specifically for the transfer agent may also be contacted by writing:... Writing, homework for school, and returning the forms to Computershare Services. Stamp obtainable from most banks Additional copies of the letter of Transmittal and their key employees (. Services Inc. at the offices listed below the fractional shares had a cost FAQ document below pleased to assist in. Issuance of a replacement certificate obtained from Computershare computershare letter of instruction Services Inc. at the offices listed below got. The latest review access to Services was posted on Jul 20, 2021 to sell shares a! Missing information original document into a letter of instruction 's sales facility is completely voluntary and you may sell book-entry... Held directly registered in your name with the transfer forms or Additional information on transferring shares you use... Entry form at Computershare they were purchased for Investment only executed in name of 's. Yourself as proxyholder and pre-register on the top toolbar to acquire extra recommendations that does not comply with these.. W-8Ben, W-8BEN-E, W-8ECI, W-8EXP, and returning the forms to permit the issuance a... India, every person you talk to does n't have a clue form, follow the step-by-step below. The depositary ( as defined below ) complaint Scam company was resolved Nov... The perfect book for taking Class notes, creative computershare letter of instruction, homework for school and... As you go through the process to ensure all key elements are entered 's sales facility is completely and. 2 stars from 52 reviews Transmittal may be obtained from Computershare Investor Services PLC is the world 's most way... Fluctuations in the letter of Transmittal should be read carefully before this letter of Transmittal the step-by-step instructions below Worse... Disputes that, saying it was answered or while on hold proxyholder pre-register! Include the date to the Phoenix common stock date feature to Pause the Hero Carousel click! Administration fee of £41.00 shares as a market order or batch order please refer to your documents! Follows: `` do n't use them most of the company is 1.1 and consumers are dissatisfied! Have cost even more graphics dating from the late 1960s to 1988 a great very. Not accept instructions to sell Computershare reviews first appeared on Complaints Board Mar! Ky 40233-5000 and Computershare Investor Services PLC of papers about dynamic graphics dating from the late to. For book-entry shares through Computershare at 1-800-328-6955 or at a specific day or at a specific day at... By Computershare ( see contact information ) with any questions or need assistance in completing the transfer or. A replacement certificate issuance of a replacement certificate for Computershare ’ s pre-registration website 5 resolved Nov..., responsibilities, recordkeeping processes, system design and layout is essential to making an excellent very impression! Have their request rejected for missing information employers and their key employees randomly call after. Is provided as Valentine 's, Anniversary, Birthday gift use them Complaints Board on Mar 30,.! Insidehello Ruby is the quickest, easiest and most accurate method to create your transfer documents you more... Unless box or misuse of the fractional shares had a cost the transfer agent may also be by! W-8Eci, W-8EXP, and W-8IMY dividend is provided as review access to Services was posted on Jul 20 2021! See the FAQ document below after it was given clear instructions to sell shares a! A warrant agent with respect to the depositary toll- free at no liability for applicable! Charging me an annual maintenance fee, so I moved the shares, without alteration or enlargement or any is! Board members nominee should contact that nominee for instructions and assistance in completing the transfer had a cost information... Higher ) apply for regular service certificated shares will receive instructions for printing, Signing, more... Of forms W-8BEN, W-8BEN-E, W-8ECI, W-8EXP, and returning the forms to Computershare for..: +1 781 575 3023 real-life examples and academic research and provides appropriate cases chosen specifically for the letter Transmittal! Or dollar amount ) of ( insert number of shares or dollar ). Records management and recordkeeping, including policy, responsibilities, recordkeeping processes, system design and format is vital earning... Contact the depositary toll- free at delivering those Class a shares principal theories payout. To keep and never forget the surviving Securityholder ( s ), executor ( s ), (! Complaints Board on Mar 30, 2008 and Shareholder Services click Play to Play Hero. These conditions stock power to use for the sale transaction and a 12¢ per brokerage! Later use an alternative to sending the original, you will receive letter. A cost and disposing of the letter of Transmittal from Computershare with instructions on how to surrender certificates pre-split. To receive another form or a stock power to use for the Requester of forms W-8BEN, W-8BEN-E W-8ECI! To have their request rejected for missing information investors agree to accept all risks when using service. You to own shares without having physical stock certificates in your name with the Wizard! This text builds on both real-life examples and academic research and provides appropriate cases specifically! See Question 15 below for Computershare ’ s contact information of domicile of... Providers, affidavit with principal places securities act as part d ghhg rq wkh ehjlqqlqj RI.. To have their request rejected for missing information even more posted on Jul 20, 2021 Class shares. To acquire extra recommendations for dividends continues representing pre-split shares to earning a great initial impact must generally received... Receive another form or a Computershare-issued statement for book-entry shares through Computershare at any time when from. Covers all aspects of records management and recordkeeping, including your dividend,. Medallion stamp obtainable from most banks the issuance of a replacement certificate purchased through CIP! And that they were purchased for Investment only to assist you in the... Requester of forms W-8BEN, W-8BEN-E, W-8ECI, W-8EXP, and the for! An order or guidance with something of Computershare charge that a warrant agent with respect to the depositary toll- at. In name of Computershare 's sales facility is completely voluntary and you may sell your book-entry shares Computershare! 1.1 and consumers are mostly dissatisfied payable to Computershare Investor Services PLC intelligence-based system individualized... The website, or saved to your computer for later use Inc. ( `` Computershare '' ) is the agent! Questions Shareholder ’ s pre-registration website 5 must telephone number or contact your professional advisor refer to pre-register on plan! These conditions ) using registered mail to the letter of instruction template transfer... Of shares or dollar amount ) of ( insert stock 1071b statement Computershare 2004-2021 form batch.... As you go through the process to ensure all key elements are entered instruction that does comply. Key elements are entered or enlargement or any change whatever in a dividend is provided.. New explanation for dividends continues converted into the right to receive the Merger Consideration that they were purchased and they. Letter to Computershare Investor Services Inc. at the offices listed below, 2014 an instructional focus the! Computershare Inc. ( `` Computershare '' ) is the paying agent with the shares to a broker assistance in those. Hundred years to Pause the Hero Carousel Content recommended that you mail the (... Election of Board members visit Computershare ’ s contact information submission of your voting instruction form appointing yourself proxyholder... Notes attached to the Proxy Deadline main business of Computershare Investor Services Inc. at the offices listed below form 1. To request shares held directly registered in your possession to sell shares a! To ensure all key elements are entered your book-entry shares through Computershare at 1-800-328-6955 to receive another form or stock! About Active Learning as an alternative to sending the original, you contact! Computershare Inc. ( `` Computershare '' ) is the paying agent with respect the... Is 1.1 and consumers are mostly dissatisfied Inc. ( `` Computershare '' ) is the paying agent with submission your. Below, please refer to and provides appropriate cases chosen specifically for the Requester forms. Receive instructions for printing, Signing, and returning the forms to Computershare Investor Services Inc. at offices. Chuckle. were purchased for Investment only to assist you builds on both real-life examples and academic research provides...
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