To be a fruitful business venture, an organization ought to be working records and funds instantly. QuickBooks is the need of business to run the endeavor into a beneficial undertaking. More »
Regardless of whether you opt to become a leader, or prefer to remain an involved, concerned and committed member of an organization, your ability and effectiveness will be positively enhanced, and your actual degree of personal responsibility, is often directly related to your willingness, ability and understanding of the essentials of organizational budgeting. While nearly every group mandates creating and approving an annual budget, very few do so in a way that actually makes the group more effective. Wouldn’t it make sense, therefore, if groups dedicated time and effort, to training their constituents, and especially their leadership (and most involved and concerned members), to all the essentials and necessitates of the various aspects of budgeting, and how to use it effectively? With that in mind, this article will briefly discuss five things you should know and understand, before you prepare, consider and review a budget.
1. What are the needs, priorities and goals for the organization? Budgets should never be created in a vacuum, but rather must be tools for evaluating needs and priorities, and allocating the best proportion of time, money and other resources, in the most efficacious manner. Since effective groups constantly evolve, this is a significant reason why the method most used for creating budgets (which, unfortunately, is generally merely taking the previous year’s document, and adding a certain percentage). Great budgets address how a group should operate and create plans and programs, etc.
2. Carefully evaluate both revenues and expenditures: Are you optimally and efficiently raising revenues, as well as spending as you should, rather than falling into the trap of, too much, too little or just right? Is your fundraising performing as it should, and running on the proverbial, all cylinders? Avoid being myopic, and just cutting across the board, but rather, use zero-based budgeting, so you can evaluate every non-contractual area of either income or expense!
3. Review the actual revenues and expenses from the past two years: Don’t merely guess in some areas, or resort to either wishful thinking, or speculation. Look at what has been raised in the past, and pay particular heed to what’s been spent, and see if you can get more bang-for-the-buck.
4. What works and what needs addressing: This area of consideration is often a fine line, because while one must avoid panic and using the throw the baby out with the bathwater approach, similarly, you must realize that even great ideas often need a degree of tweaking, so they don’t appear to be stale, or merely the same-old-same-old. Remember how important it is to ask relevant questions, and get as much detail and explanation as possible, so you best understand what you are reviewing!
5. Make your budget a working, living document, guide and plan: A budget, and the entire process, can be perceived either as a living, working document, or merely a time consuming, relatively worthless one. The choice is yours! Prepare a quality budget, follow it, and use it to address goals and priorities, through the year.
Budgeting may not be the most interesting process or exercise, but it is an important and relevant one. It’s a matter of how seriously you take it, and how deeply you look at what’s going on around you!
Finance could be a branch of economic science that’s involved with resource allocation furthermore as resource management, purchase and quality in different approach we are able to say that finance deals with the matter that’s associated with cash and market. Finance is one in all the necessary things of human activities: personal, trade or government. The money resource owned or borrowed available to someone, trade or the govt. With finance assignment help you will simply perceive space of business and outcome of that. Finance principally depends on 2 most significant things that are mobilizing and payment and each ought to be managed properly. Therefore this can be thought to be the priority space for all associated with it.
We provide the knowledge and help associated with this subject all told areas as well as finance assignment help, finance homework help and different assignment help.
The principles and practices that are applied to finance is termed finance management. Monetary management as well as finance assignment help and assignment is a crucial a part of overall management. monetary concern are concerned in an exceedingly ton of practices like acquisitions, maintenance, removal or replacement of assets, worker compensation, sources and prices of various capital, production, merely all that matter that have monetary implications. The first concern of economic dealings is that the valuation of the firm. These choices are in the main associated with the increasing, maximizing, optimizing the worth of the firm.
Finance will be divided in 3 main parts: Personal finance, Public finance, finance.
Personal finance- The choice associated with personal finance might interact paying for education, funding resilient merchandise like assets and cars shopping for mutual funds or insurance, like property insurance. Here, with Personal finance homework help you will accomplish six main objectives that are: monetary position, Adequate protection, Tax designing, Investment and accumulation of goals, Retirement designing, Estate designing.
Public finance- Public finance could be a branch of finance homework that’s in the main associated with sovereign states and sub national states and therefore the Entities that are associated with public.
Corporate finance- The task of providing the capital for a corporations activities is termed the company finance. It usually includes equalization risk and gain.
The assignment knowledgeable at the global tutors is people who have advanced degree all told space associated with finance is offered around the clock to cater to any or all your troubles. Youll be able to contact North American country at any time of the day through our online services.
Finance took a beating when the world”s biggest economies came from tumbling down in the latest world economic meltdown. It does not help either that the reverberations of the global economic crisis are still felt in some countries today. The climb up was excruciating for all who claim to have recovered. The power of finance unraveled right before the eyes of the world. No one seems to have emerged a hero. No one deserves any finance awards. The vulnerability of hypercapitalist markets reared its ugly head. That which made the world seem to have gone round was the exact same thing that plummeted the planet into very deep economic despair. But there”s no need for finance to get a bad rap. It is still, most definitely, good for us.
Social Utility of Finance
Finance is socially useful. Development and progress would not have happened without the able and timely assistance of finance, at each turn. It”s the securities markets that caused the tumble, not the concept of efficient markets. A finance review of the world”s biggest economies would rightfully reveal that it”s the financial innovations that have been linked to securities markets over the last 30 years that were causing societies to head towards economic meltdown. But finance has made life better, and no one can argue with that. Further, it promises to extend the benefits to more and more people in the years to come. Society has always been much better because of the world of finance. Technology and infrastructure are just some of the tangible proofs of how finance has been good to us. The upgrade in health among peoples is, perhaps, the biggest positive manifestation of the good that finance can do.
Social Virtue of Finance
While it is true that almost all major players, even stakeholders, in the world of finance contributed in one way or another to the global financial crisis, these same players of the financial industry were also the ones that advanced the world of finance to what it had enormously become. The heart to make the world better through financial means is the basic virtue of finance. And for this alone, these industry shakers and movers can very well win finance awards. They are, after all, in the constant lookout for solutions not only for their clients and interests but also for the sector and industry as well. These financial managers, lobbyists, accountants, lenders, educators, etc. will still be the ones that will bring the world economy up on its feet yet again. Their eye is focused on the future and their heart is in the constant upgrade to the quality of life.
The Best is Yet to Come
A thorough finance review will reveal that financial systems are far from perfect. But here lies the hope. These systems can only become better, even impressive, in the futures to come. Financial innovations will continue to pour in. Financial geniuses will continue to think of ways to make the systems better. Financial systems will continue to crank forward. And financial gains will continue to benefit society as a whole.
Since receiving as well as paying of interest is Haram in Islam, Muslims therefore require a special kind of forex trading account. Conventional forex accounts charge (or pay) interest to the account holder, determined by rollover positions held over the weekend – on a currency pair that has a positive/negative interest rate differential between the currencies. Islamic Forex Accounts negates the interest costs receivable (or payable), and in fact can still function as effectively as any other conventional forex accounts. It is important for a Muslim trader to partner with the right broker in order to make your investments as shariah compliant as possible. Below, we discuss some of the issues surrounding forex trading within the Islamic Finance domain:
The Trading of Currency with Currency
Fursa FX recognizes that only spot forex trading is considered halal as the transaction is done on a spot basis, meaning both price and delivery of the asset are settled at the same moment in time. Currently, we refrain from trading in currency options, swaps, futures, forwards and other derivative contracts as the conditions for which trading of these instruments are permissible depends on a case to case basis (for example, Islamic Scholars and Experts have claimed that swaps are not allowed in the manner they are practiced in the commodity exchange, defined under the AAOIFI Syariah Standard, hlm 358). However, buying and selling of currencies is permissible and is termed Bai Sarf in Islamic banking, and Muslims are allowed to exchange Silver with Gold, buy Gold with US dollars and buy US dollars by selling Euro. The mechanics of Bai Sarf is halal but it has to be done on the spot. We do our best to ensure that all the transactions that we provide or conduct are according to the principles of Halal, or Islamic permissibility.
Current Islamic banking & finance practices do not completely rule out the use of leverage in investments. If we consider the example of Islamic REITs (Real Estate Investment Trusts) in Malaysia, these instruments operate at a maximum leverage of 33 %. Debt ratio below or equal to this level is deemed acceptable by governing authorities in Malaysia. (Muhammad Ayub, 2007 and Jawad Ali, 2007). In addition, Fursa FX does not invest in anywhere that has high excessive leverage of 1:500, as this would promote excessive speculation and incur unnecessary risk for the investor. Our manual trading accounts are thus limited to a 1:100 leverage configuration.
It is worth to note that, at the end of the day, traders should take personal responsibility and not to over-leverage and be exposed to unnecessary risk.
Haram vs Halal
Religion is a personal relationship between self and God and each is responsible for his own choices and decisions. Islamic finance is always evolving and that there are risks and dangers of being trapped in the Im right and youre wrong mentality. Even among the various recognized Shariaah scholars, their opinions may differ in many aspects of Islamic finance, including the topic of forex trading. The beauty of Islam is that it has many different points of view and dynamism, so that we can learn from each other for everyones benefit. Diversity is our strength and that Islam is meant to be suitable for everyone in this world. The most important thing is to respect others beliefs and not to miss out on the bigger purpose and objective of the laws to benefit the community and provide an ethical and fair trade for all. Fursa FX does not claim to be the ultimate authority on the permissibility on Islamic Forex trading, but we strive to provide the best Shariah-compliant trading platform possible and we are always on the lookout to improve and keep up to date with the latest developments.
As you search for importance of finance related information or other information about rent to own rims or finance commercial, take your time to view the below article. It will provide you with a really refreshing insight into the importance of finance information that you need. After going through it you will also be better informed about information in some way related to importance of finance, such as money or even finance firms.
professionals recommend speaking with a financial counselor who will research your current finances and debate your needs in the event of an emergency. These conferences could be a critical part of helping you and your family bounces back from a surprising crisis.
Getting your name registered with a company without judging its accuracy might be threatening for your financial soundness. Such cases where folk have registered moan against the debt settlement firms as despite paying their liabilities, they found their prior debts to be untouched.
The main trouble with debt is having too many separate units of debt scattered all over the place making finances complicated to regulate and manage. It can even become a difficulty remembering when all the numerous repayments need to be made each month.
As detailed as this article is, don’t forget that you can find more information about importance of finance or any such information from any of the search engines out there. Commit yourself to finding specific information therein about importance of finance and you will.
Managing finances is the most important thing that we want to look into. Finances have to be planned well to stay away from difficulties. Handling your debt is as important as managing your savings. Your dues can get you in deep trouble if you do no look after them. Plan your debt relief.
With a little knowledge and eagerness to form and follow a financial plan, most people can adequately manage their own finances. Even so, there are many instances where you don’t have the time, or have a complex situation that will need the assistance of finance professional.
Financial aides must be assured about decision-making under doubt and under extreme time pressure, have wonderful folks and communication skills, and know how to deal with failure and with dis-satisfied clients. Success is highly reliant on sales ability, both in the purchase of new clients and in the pitching of investment ideas to existing clients.
Many people searching for importance of finance also searched online for credit finance, loans, and even finance quote.
A career in finance sector or any form of engineering career that is common across various industries, have always appealed to and attracted people who are looking for the best opportunities in life. Energetic and ambitious individuals have always been motivated to excel in a career in finance sector or engineering career given the high prospects and lucrative opportunities in these fields. Although the world was in a financial turmoil just a few months ago, there have been a number of changes made and lessons learnt. Globally, today, there has been streamlining and accountability in almost every financial organisation leading to a spurt in a career in finance sector.
Due to the various technological progresses, financial markets across the globe are getting tightly integrated and complex as well as seamlessly fluid. Hence it is important that market professionals who want to have a booming engineering career or career in finance sector must be duly equipped with the expertise of various market processes and knowledge of the numerous areas within the market. Having a broader understanding of the changes that have been seen in financial markets and the activities that are transacted in it, a career in finance sector or engineering career is much different than it was a few decades ago. In the financial market alone, the introduction of derivatives has changed market dynamics like never before. In proper hands, derivatives are highly efficient and can bring about great benefits for those who know the deal and it effectively.
At the moment, the stock market in India is on a roll and it makes great sense to launch a career in finance sector or engineering career as India is globally becoming one of the most ideal destinations for foreign investment. The trend of mergers and streamlining has become a daily pattern rather than a special case. Financial services providers today are outdoing one another in providing the best service to their clients, in order to gain a competitive edge in the marketplace and also to differentiate their services over their contenders. It is important that an individual seeking a career in finance sector or an engineering career must be highly geared in keeping up with the times and well versed in numerous technological advancements as they keep happening in these areas. With the introduction of the Internet as a convenient medium for service providers to reach out to their customers, trading technologies on the Internet has changed rapidly and so has the business environment. With the launch of online trading platforms, a career in finance sector has expanded broadly to incorporate a large number of functions that were earlier non-existent. With the immense opportunities in banking and engineering, a career in finance sector or engineering career, today, is highly attractive for young people who are willing to learn and climb up the ladder quickly.
The idea of retirement in India has experienced an outlook change in the last couple of years. Retirement opens a radical new section for some people, when they seek after the ‘work they want to do’ and change over their side interests to callings. There’s an expanding pattern of people settling on deliberate retirement as they achieve the opposite side of 40s and live for more than 85 years.
Not long ago, an overview titled Life Value Notes Life Freedom Index was led in 11 level 1 and level 2 urban areas to comprehend the present condition of budgetary arranging in urban India. The overview uncovered that buyers are doubtful about the sufficiency of their budgetary arrangements to meet their wanted way of life all through their lifetime.
Truth be told, just 13% of youth and ladies are to a great degree sure that they have satisfactory retirement arranging set up. In spite of the fact that the intelligence speculator section (45 years or more) scored better in the level of certainty, their rate remained at just 24%.
There are numerous reasons why getting ready for retirement is critical like some other objectives:
1. Increment in future: Our era will live more than past ones because of enhanced restorative and human services, suggesting the need to assemble enough subsidizes that can manage longer life. This likewise suggests the social insurance needs and costs are liable to frequent us.
2. Setback in Employer Funded Pension/Pension Funds : The business or government financed annuity plans are more averse to support the salary needs post Retirement Plan Company. The benefits that one might get from these plans won’t be adequate to keep up the way of life. This is the reason numerous people overall supplement their state or boss subsidized retirement arranges with self-financing i.e. benefits arranges.
3. Change of social structures: disregarding family bolster, numerous retirees don’t lean toward contingent upon the relatives or youngsters for meeting post retirement costs. Keeping up free way of life is practical just when sponsored with a money related pad.
4. Absence of government managed savings framework: There is no standardized savings framework in our nation. Henceforth one needs to want to manufacture the whole corpus to meet the normal salary or any possibility post retirement.
5. Longing to remain supporter: The need to add to the family by giving and supporting the children or amazing children at turning points of their life stays even after retirement is unavoidable. Beginning an autonomous endeavor is likewise a rising pattern. These can be satisfied just when one is monetarily independent.
6. Rest and unwinding: After satisfying every one of your obligations, you might need to manufacture a retirement corpus to go on vacations, to seek after a pastime and so on.
Remembering these key focuses, it’s fitting to look for direction from a budgetary organizer for his master perspectives on your monetary arrangement. Retirement is not just about age, it’s profoundly subject to the sort of way of life you’re living and wish to keep living.
Aynesley Walters Cohen Ltd is one of the leading small business specialists of South London. Being an experienced firm, we offer tailor-made services and practical solutions to small and medium-sized customers according to their business needs. Our aim is to develop longstanding with all our clients. We do not just focus on building temporary relations but want to retain our each and every client. We think it is extremely important to provide personal assistance to everyone from our receptionist to partners. We are dedicated to provide wide range of taxation and accounting services to all our commercial and residential clients. We provide equal attention to everyone. We have got positive feedback from our customers. Whatever the nature of issue is, we want to make sure that it will be resolved with high class services. Whether it is related to audit or tax, Aynesley Walters Cohen Ltd will be the place of comfort for you. Our partners enable us to maintain long standing relations with clients while our staff is committed to offer high level personal service. The best part is that we offer our services at friendly prices and also provide initial consultation free of cost.
You are more than welcome to reach us anytime to schedule no obligation meeting. In that meeting, we will analyze that how we can be of your further assistance. You can clear your doubts during that session. We also help in planning the business properly. We give great value to the careful business planning because it can save our precious time and more security to the business. A thoughtful business plan is also beneficial for the evaluation of project and raising finance. We can assist you in choosing the ideal structure of business, be as a sole trader, limited liability and limited company partnership. Our professional services include but not limited to maintenance of book-keeping system, VAT registration, Sage training, negotiation with banks and company formation and maintenance of payroll in Croydon.
Tax, audit and accounting are our core areas. We provide assistance in correspondence with authorities and fulfilling statutory needs. We also take this process as a way of providing commercial advice and help in mitigate taxation and business affairs. Book-keeping is also one of our specialties. We can do anything starting from setting up your book-keeping system and acting as your complete accounts department. Wherever possible, our experts help in obtaining tax refunds and also complete them professionally. No case is too small for us. Proper structuring of affairs can lead us to decent tax savings. We not only utilize our in-house resources but also hire additional consultants to deal with complex issues in style. By doing so, we are able to provide our expertise to larger firms economically. Our sister company also contributes towards mortgages, pensions and life insurances. Aynesley Walters Cohen Ltd is not just a qualified chartered certified accountant; we are also a certified mortgage specialist and qualified IFA.
Holiday’s don’t have to cost a fortune to those of us who are taking the time to buy green. What does buying green mean you may ask? Well, simple. Take the time to shop gently used items instead of purchasing new. These used items, will not only saves you money, but it also helps our planet as those things won’t end up in a landfill somewhere when they could find new life in someone else’s home. There is a new wave that is leaning towards this kind of more responsible shopping and anyone can jump on this bandwagon.
What are some things that you may be able to find when buying green? Great question. The list is so long that it would take tons of time to list all the items that a person can find that are gently-used and just waiting for someone to re-purpose, so for the purpose of this article we’ll stick to only the ones that pertain to this topic.
Three Ideas For “Green” Holiday Purchases
1. Holiday Decorations: Many families have wonderful gently-used holiday decorations that for whatever reason they’ve decided to part with. They could be choosing to do this as they wish to change their holiday color scheme, down-size their load of holiday decorations or–like a lot of people I know–have always purchased more than they can reasonably use and only find this out close to the holidays. So help a family out by purchasing their still very good condition decorations instead of brand new.
2. Games, Toys: There are an incredible amount of games and toys out there that only get used one or two seasons and then are stored. Someone could be choosing to sell a used holiday item because of lack of interest on the child’s part of merely because children regularly change their interests. But should all those items end up in landfills? No. They could make beautiful gifts for another child and have a new life as a re-purposed item.
3. Clothing: Who out there doesn’t buy clothing in some way shape or form for their children for the holiday? Why buy brand new when there are so many families whose children outgrow them in a matter of months? These items are still in great shape. They still have those beautiful, expensive, brand-name labels as your kids are looking for, but they come with a price tag that won’t make you feel that you have to take out a loan to pay for them.
When you’re thinking about your holiday shopping this year, why not take a step to buy green? You will love it. Your wallet will love it, and the planet will love it as it will be one more item that isn’t sent to the landfills. If you are someone who finds that they have an overabundance of any of the items listed above, why not resell them. It takes the whole world to take care of a planet. You can do your part by keeping those gently-used items out of the landfills.
With the increasing costs of commodities and elevated standard of living, financial planning is the primary concern in the minds of the present day individuals. The financial planning helps you in utilizing our economic resources in the right way to earn appreciable monetary returns in the future. Therefore, it helps not only in securing the financial reserves, but also enhancing the monetary return for their future. The way by which you can deploy your monetary funds for protecting your future interest is by investing them in the capital market in the respective modes which are guided to you by a specialist called financial advisor.
Certifications required by advisors
The financial advisors are skilled professionals who are trained to provide financial services to the clients with the interest of increasing their monetary income also with securing their present financial resource. They plan the various methods and ways for the clients to follow in order to secure their resources. They can suggest the clients to invest in various projects and services dealing with cash flow and funds flow. The products can be of many types like bonds, funds, insurance, stocks, forex, etc. They require specific education and certification for this job as it involves a great deal of responsibility and technical knowledge. NYC Financial Advisor requires the certification like CHFC, CFC, etc. They will be also required to sit for the exams of The Series 65, 66 or 67, to get Investment Advisor license.
Charges of the advisor
A financial advisor is rewarded with several types of payments. First of all, the advisors charge a fee for services related to advisory, which is usually per hour basis. They sketch your annual financial plan for which they may charge a specific amount. They get a commission for the purchase or sale of financial products and services. If you invest in mutual funds, you need to pay a commission usually termed as a load to the NYC Financial Advisor. They earn specified amounts like mark up and mark down when someone invests in bonds. The financial advisor not only advises you to invest and increase your financial reserve, but also manages your existing assets, therefore they charge 1% share as a fee.
Financial advisor duties
The financial advisor is known to perform a variety of tasks involving financial planning and utilization of resources. The job profile includes meeting up customers and organizing meeting with them. The NYC Financial Advisor gathers information regarding the client’s financial position, and future goals. They survey the risk market, analyze the investment arena and design the respective financial plan. As they are dealing with finance market, which is dynamic in nature involving legal proceedings, they must be well versed with all the latest updates and laws.
Criteria for choosing an advisor
If you are a customer looking for a financial planner then you must keep in mind the following parameters. NYC Financial Advisor, who is licensed as a Certified Financial planner, can be selected for the job. You can also inquire about the payment structure of the planner and do a background check, to judge the authenticity of the financial advisor.
Retail’s “Lafuma S.A. – Company Capsule” contains in depth information and data about the company and its operations. The profile contains a company overview, key facts, major products and services, financial ratios, key competitors, financial analysis, key employees as well as company locations and subsidiaries
Retail’s “Lafuma S.A. – Company Capsule” is a crucial resource for industry executives and anyone looking to access key information about “Lafuma S.A.”
Retail’s “Lafuma S.A. – Company Capsule” utilizes a wide range of primary and secondary sources, which are analyzed and presented in a consistent and easily accessible format. Retail strictly follows a standardized research methodology to ensure high levels of data quality and these characteristics guarantee a unique report.
Identifies crucial company information about “Lafuma S.A.” along with major products and services for business intelligence requirements.
Details locations, subsidiaries, affiliates and joint ventures.
Provides analysis on financial ratios.
Identifies key employees to assist with key business decisions.
Provides annual and interim financial ratios.
Enhance your understanding of “Lafuma S.A.”
Increase business/sales activities by understanding customers businesses better.
Recognize potential partnerships and suppliers.
Qualify prospective partners, affiliates or suppliers.
Acquire up-to-date company information and an understanding of the companys financial health.
Lafuma S.A. (Lafuma) is a sporting goods and leisure items and equipment manufacturer, marketer and retailer based in France. The company’s brands include Lafuma, Eider, Ober, Millet, le Chameau and Oxbow. It provides general outdoor garments, backpacks, footwear and camping equipment under Lafuma brand. The company provides clothing for mountaineering, skiing, mountain climbing, backpacks, footwear and ropes under Millet brand. It provides clothing and boots for sports such as horse riding, hunting and fishing and gardening under Le Chameau brand. The company provides clothes for skiing, surfing and skating, sandals and travel bags under Oxbow brand. Lafuma through its subsidiaries operates in France, China, Hungary, Belgium, the US, the Netherlands, Italy, Germany and Japan. The company was founded in the year 1930. Lafuma is headquartered in Anneyron, France.
Table of Contents
1 Business Analysis
1.1 Company Overview
1.2 Major Products and Services
2 Analysis of Key Performance Indicators
2.1 Five Year Snapshot: Overview of Financial and Operational Performance Indicators
2.2 Key Financial Performance Indicators
2.2.1 Revenue and Operating Profit
2.2.2 Asset and Liabilities
2.2.3 Net Debt vs. Gearing Ratio
2.2.4 Operational Efficiency
2.3 Key Competitors
3 Key Employees
4 Locations and Subsidiaries
4.1 Head Office
4.2 Other Locations and Subsidiaries
5.2 Ratio Definitions
List of Tables
Table 1: Major Products and Services
Table 2: Key Ratios – Annual
Table 3: Key Ratios – Interim
Table 4: Key Capital Market Indicators
Table 5: Key Employees
Table 6: Subsidiaries
List of Figures
Figure 1: Revenue and Operating Profit
Figure 2: Financial Position
Figure 3: Net Debt vs. Gearing Ratio
Figure 4: Operational Efficiency
Figure 5: Solvency
Figure 6: Valuation
For more information visit : http://www.companyprofilesandconferences.com/researchindex/Retail-c16/Lafuma-SA-Company-Capsule2.html
Contact us at
Company Profiles And Conferences
Phone: +91.22.27810772, 27810773
Fax: +91 22 27810778
Email : [emailprotected]
Website : www.companyprofilesandconferences.com/