In the SASAL, we use the tool published on large corporations. In the case of the start-up, some corporation uses the start-up tool; however, if you would like to do business with a large corporation, it is better to use those tools because when you would like to do business with a large corporation, it is easy to catch up.

1. Microsoft
2. Google
3. Adobe
4. LinkedIn
5. Amazon
6. Amex

Employee benefits play a very important role in increasing employee satisfaction and corporate competitiveness. Below, we will introduce the standards and background of common employee benefits in American companies.

Background
The US welfare system began in the 1930s during the Great Depression. The origin of this system was that companies began to provide health insurance and pension plans for their employees in order to solve the labor shortage1. Nowadays, welfare benefits are an important part of corporate strategy in order to secure excellent human resources and increase employee satisfaction.

1. Health Insurance
   In the United States, there is no universal health insurance system, so health insurance provided by companies is very important. Many companies provide health insurance, dental insurance, and eye insurance for their employees and their families. It is common for companies to pay part or all of the insurance premiums1.
2. Pension plans
   It is common for U.S. companies to offer defined contribution pension plans such as 401(k) plans. Employees put a portion of their salary into the pension plan, and the company matches a certain percentage of the contribution2.
3. Paid time off and sick leave
   U.S. companies offer paid time off (PTO) and sick leave. PTO is generally around 10 days per year, and sick leave is often offered as well1.
4. Stock options
   Many companies offer stock options to employees as an incentive for the company’s growth. This increases employees’ sense of participation in the company and has the effect of retaining talented people2.
5. Other employee benefits
   • Company cars, computers, mobile phones: These may be provided if they are necessary for a particular job.
   • Relocation assistance: Some companies will help with the cost of moving when you are transferred or newly hired.
   • Flexible working hours: Flexible working hours are provided to support a good work-life balance.
   • Gym membership assistance: Some companies will help with the cost of gym membership to promote health.

Handling financial products as a financial services provider in New York involves adhering to various regulations and obtaining necessary licenses. Here are some key points to consider:

Regulatory Compliance

1. Licensing: Financial services providers must obtain appropriate licenses from the New York State Department of Financial Services (DFS). This includes licenses for activities such as brokerage, investment advisory, and banking1.
2. Regulations: Providers must comply with state and federal regulations, including the Truth in Lending Act, the Federal Trade Commission Act, and New York’s General Business Law Article 22-A, which prohibits deceptive practices2.
3. Consumer Protection: The DFS enforces consumer protection laws to prevent deceptive practices and ensure transparency in financial transactions2.

Key Licenses and Requirements

1. Broker-Dealer License: Required for firms engaging in the buying and selling of securities. This involves registration with both the DFS and the Financial Industry Regulatory Authority (FINRA)1.
2. Investment Adviser License: Necessary for firms providing investment advice. This requires registration with the DFS and, depending on the firm’s size, the Securities and Exchange Commission (SEC)1.
3. Banking License: For institutions offering banking services, including deposits and loans. This involves compliance with both state and federal banking regulations1.

Ongoing Compliance

1. Reporting: Regular reporting to regulatory bodies is required to ensure ongoing compliance with financial regulations1.
2. Audits and Examinations: Financial institutions are subject to periodic audits and examinations by the DFS to ensure adherence to regulatory standards1.
3. Training and Education: Continuous training for employees on regulatory changes and compliance requirements is essential1.

Consumer Interaction

1. Disclosure Requirements: Providers must disclose all relevant information about financial products to consumers, including risks, fees, and terms2.
2. Complaint Handling: Establishing a robust system for handling consumer complaints and resolving disputes is crucial2.

Other Licenses

Handling financial products in the U.S. as a financial services provider involves obtaining various licenses, each tailored to specific activities. Here are more detailed descriptions of the key licenses required:

1. Broker-Dealer License

• Purpose: Required for firms that buy and sell securities on behalf of clients.
• Regulatory Body: FINRA (Financial Industry Regulatory Authority).
• Requirements: Firms must register with FINRA and the SEC, and individuals within the firm must pass the Series 7 and Series 63 exams1.

2. Investment Adviser License

• Purpose: Necessary for firms providing investment advice or managing investment portfolios.
• Regulatory Body: SEC or state securities regulators.
• Requirements: Firms must register with the SEC if managing over $100 million in assets, otherwise with state regulators. Individuals must pass the Series 65 or Series 66 exams2.

3. Commodity Trading Advisor (CTA) License

• Purpose: Required for firms advising on commodity trading.
• Regulatory Body: CFTC (Commodity Futures Trading Commission).
• Requirements: Registration with the CFTC and membership in the NFA (National Futures Association). Individuals must pass the Series 3 exam3.

4. Money Transmitter License

• Purpose: Needed for businesses that transfer money or provide payment services.
• Regulatory Body: State financial regulatory agencies.
• Requirements: Varies by state, but generally includes background checks, financial statements, and bonding requirements1.

5. Mortgage Broker License

• Purpose: Required for firms that broker mortgage loans.
• Regulatory Body: State financial regulatory agencies.
• Requirements: Varies by state, typically includes passing the SAFE Mortgage Loan Originator Test and meeting education requirements.

6. Insurance Broker License

• Purpose: Necessary for firms selling insurance products.
• Regulatory Body: State insurance departments.
• Requirements: Varies by state, generally includes passing state-specific insurance exams and meeting continuing education requirements.

7. Investment Company License

• Purpose: For firms that issue securities and are primarily engaged in investing, reinvesting, or trading in securities.
• Regulatory Body: SEC.
• Requirements: Registration with the SEC and compliance with the Investment Company Act of 19402.

Ongoing Compliance

• Reporting: Regular reporting to regulatory bodies to ensure compliance with financial regulations.
• Audits and Examinations: Periodic audits and examinations by regulatory bodies.
• Training and Education: Continuous training for employees on regulatory changes and compliance requirements12.

When you would like to create your original brand, SASAL could support you.

Embroidery

Leder engraving

Countries that are safe all over the world.

Iceland

Iceland’s safety is complemented by its progressive social policies and high levels of gender equality. The country is a pioneer in renewable energy, with nearly 100% of its electricity coming from hydroelectric and geothermal sources. Iceland’s education system emphasizes creativity and critical thinking, and its healthcare system is accessible and efficient. The country’s cultural heritage includes a rich tradition of literature and storytelling, with sagas that date back to the Viking Age.

Denmark

Denmark’s high quality of life is supported by its extensive social benefits, including free healthcare and education. The Danish welfare state ensures that all citizens have access to comprehensive social services. Danish cities are designed with pedestrians and cyclists in mind, promoting a healthy and active lifestyle. Denmark’s commitment to renewable energy, particularly wind power, makes it a leader in sustainability. The Danish concept of “hygge” emphasizes comfort and contentment, contributing to the overall happiness of its residents.

Ireland

Ireland’s rich history and culture are evident in its many castles, museums, and festivals. The country has a strong literary tradition, being the birthplace of famous writers like James Joyce and W.B. Yeats. The Irish healthcare system is public and provides comprehensive coverage. Ireland’s education system is also highly regarded, with several top universities. The country’s economy is strong, with significant growth in technology and pharmaceuticals.

New Zealand

New Zealand’s safety is supported by its low crime rates and strong social cohesion. The country is known for its stunning natural landscapes, including mountains, beaches, and forests. New Zealand’s healthcare system is public and provides high-quality care. The education system is excellent, with a strong emphasis on research and innovation. The economy is diverse, with strengths in agriculture, tourism, and technology. New Zealanders, or Kiwis, are known for their friendliness and hospitality, making it a welcoming place for both visitors and residents.

Austria

Austria’s safety is bolstered by its effective law enforcement and social stability. The country has a rich cultural heritage, with a strong tradition in music, art, and architecture. Vienna, the capital, is home to historic sites like the Schönbrunn Palace and the Vienna State Opera. The Austrian healthcare system is one of the best in Europe, providing comprehensive care to all residents. The education system is highly regarded, with several top universities. Austria’s economy is strong, with a focus on manufacturing, tourism, and services.

Singapore

Singapore’s safety is supported by its strict laws and efficient policing. The city-state is known for its cleanliness, efficient public transportation, and green spaces. Singapore’s healthcare system is world-class, with both public and private options. The education system is highly competitive, with a strong emphasis on science and technology. Singapore’s diverse culture is reflected in its food, festivals, and architecture. The economy is strong, with a focus on finance, technology, and trade.

Portugal

Portugal’s safety is enhanced by its low crime rates and friendly atmosphere. The country has a rich history, with many historic sites and cultural festivals. Portugal’s healthcare system is public and provides comprehensive coverage. The education system is improving, with a focus on increasing access and quality. The economy is diverse, with strengths in tourism, agriculture, and technology. Portugal’s warm climate and beautiful landscapes make it a popular destination for tourists and expatriates.

Switzerland

Switzerland’s safety is bolstered by its political neutrality and high standard of living. The country has a strong economy, with a focus on banking, pharmaceuticals, and technology. Swiss cities like Zurich and Geneva are known for their cleanliness, efficiency, and safety. The healthcare system is excellent, with both public and private options. The education system is highly regarded, with several top universities and research institutions. Switzerland’s natural beauty, including the Swiss Alps, attracts tourists from around the world.

Canada

Canada’s safety is enhanced by its low crime rates and welcoming attitude. The country has a strong economy, with a focus on natural resources, technology, and services. Canadian cities like Vancouver and Toronto are known for their safety, cleanliness, and cultural diversity. The healthcare system is public and provides comprehensive coverage. The education system is excellent, with several top universities and research institutions. Canada’s natural beauty, including vast forests, mountains, and lakes, attracts tourists from around the world.

Countries that are safe all over the world for millionaires.

Switzerland

Safety and Stability: Switzerland is renowned for its political neutrality and stability. It has low crime rates and a high standard of living. The country is known for its strong legal system and respect for privacy, making it a secure place for wealthy individuals¹.

Financial Hub: Switzerland is a global financial center with a strong banking system. Cities like Zurich and Geneva are home to numerous private banks and financial institutions that cater to high-net-worth individuals².

Quality of Life: Switzerland offers excellent healthcare, education, and beautiful landscapes. The country is famous for its clean environment, efficient public services, and high-quality infrastructure¹.

Australia

Healthcare and Education: Australia boasts one of the best healthcare systems in the world and top-notch educational institutions. The country is known for its high standard of living and robust social services³.

Safety: Australia has low crime rates and is considered very safe for residents. The country’s legal and regulatory frameworks are strong, providing a secure environment for both living and investing⁴.

Lifestyle: With its diverse cities and natural beauty, Australia offers a great balance of urban and outdoor lifestyles. Cities like Sydney and Melbourne are known for their vibrant cultural scenes, excellent dining, and recreational opportunities³.

Singapore

Economic Stability: Singapore is a major financial hub in Asia with a robust economy. The city-state is known for its business-friendly environment, low taxes, and efficient regulations⁵.

Safety: Singapore is famous for its strict laws and low crime rates, making it one of the safest cities globally. The legal system is highly respected, providing a secure environment for residents and businesses⁶.

Business Environment: Singapore offers a favorable business climate with numerous incentives for foreign investors. The city-state’s strategic location and excellent infrastructure make it an ideal place for international business⁷.

New Zealand

Peaceful Society: New Zealand is known for its peaceful and friendly society. The country has a low population density, which contributes to its tranquility and high quality of life⁸.

Natural Beauty: New Zealand offers stunning landscapes, including mountains, beaches, and forests. The country’s natural beauty and outdoor recreational opportunities are major attractions for residents⁸.

Safety: New Zealand has low crime rates and is politically stable. The country’s legal system is robust, ensuring a safe environment for residents and investors⁹.

United Arab Emirates (UAE)

Luxury Lifestyle: Cities like Dubai and Abu Dhabi offer a luxurious lifestyle with world-class amenities. The UAE is known for its high-end real estate, shopping, and dining experiences¹⁰.

Safety: The UAE has low crime rates and is considered very safe for residents. The country’s strict laws and efficient law enforcement contribute to its secure environment¹¹.

Tax Benefits: The UAE offers favorable tax conditions, including zero income tax, which attracts many wealthy individuals. The country’s Golden Visa program provides long-term residency options for investors¹².

Monaco

Wealth-Friendly Policies: Monaco is famous for its tax advantages and high security. The principality does not impose income tax on residents, making it a highly attractive destination for the wealthy¹³.

Safety: Monaco has a very low crime rate and is known for its secure environment. The principality’s small size and efficient police force contribute to its high level of safety¹⁴.

Luxury Living: Monaco offers a luxurious lifestyle with high-end real estate, exclusive events, and world-class amenities. The principality is home to numerous wealthy individuals and celebrities¹⁵.

Malta

Safety: Malta is known for its safe environment and low crime rates. The country’s legal and regulatory frameworks are strong, providing a secure environment for residents and investors¹⁶.

Tax Regime: Malta offers favorable tax conditions for residents, including various incentives for foreign investors. The country’s citizenship by investment program has attracted many high-net-worth individuals¹⁷.

Climate: The Mediterranean climate and beautiful scenery make Malta an attractive place to live. The island nation offers a high quality of life with excellent healthcare and education¹⁸.

Mauritius

Political Stability: Mauritius is politically stable and offers a peaceful environment. The country’s legal system is robust, ensuring a safe environment for residents and investors¹⁹.

Quality of Life: Mauritius provides a high quality of life with excellent healthcare and education. The island nation is known for its beautiful beaches, tropical climate, and outdoor recreational opportunities²⁰.

Safety: Mauritius has low crime rates and is considered very safe for residents. The country’s strong legal and regulatory frameworks contribute to its secure environment²¹.

Additional Information

1. 15 Safest Countries to Live in the World 2023 by Skerry Harry: This video covers the safest countries to live in, which can be particularly relevant for millionaires looking for secure places to reside. Watch it here.
2. 10 Safest Countries in the World 2024 by Discover The Globe: This video explores the top 10 safest countries for 2024, highlighting their safety measures and overall peaceful environment. Watch it here.
3. Safest Countries to Live in the World 2024 by Across The Globe: This video ranks the 12 safest countries to live in for 2024, based on data from the Global Peace Index. Watch it here.

SASAL, Support

Process

Choose the Type of Investment Company

• Open-End Investment Company: Continuously issues new shares and allows investors to buy and sell shares directly with the company.
• Closed-End Investment Company: Issues a fixed number of shares through an initial public offering (IPO) and trades on the stock exchange1.

Select a Business Structure

• Corporation: Offers liability protection and can raise capital through stock issuance. Requires filing Articles of Incorporation2.
• LLC (Limited Liability Company): Provides liability protection with flexible management structures. Requires filing Articles of Organization2.
• Partnership: Involves two or more people sharing profits, losses, and management duties. Can be a general or limited partnership2.

Develop a Business Plan

• Executive Summary: Brief overview of your business goals and strategies.
• Market Analysis: Research on your target market and competitors.
• Marketing Strategy: Plan for attracting and retaining clients.
• Financial Projections: Detailed financial forecasts, including income statements, cash flow statements, and balance sheets1.

Register Your Business

• Name Registration: Ensure your business name is unique and complies with state regulations.
• Articles of Incorporation/Organization: File these documents with your state’s Secretary of State1.
• Employer Identification Number (EIN): Obtain an EIN from the IRS for tax purposes1.

Obtain Necessary Licenses and Permits

• State Licenses: Depending on your state, you may need specific licenses to operate an investment company.
• Federal Licenses: Register with the Securities and Exchange Commission (SEC) if you plan to manage investments for others3.

Set Up Financial Accounts

• Corporate Bank Account: Open a bank account in your corporation’s name.
• Accounting Systems: Implement accounting software to manage finances and ensure compliance with tax regulations1.

Hire Legal and Financial Advisors

• Legal Advisors: Ensure compliance with all legal requirements and help with contracts and other legal documents.
• Financial Advisors: Assist with investment strategies, financial planning, and regulatory compliance2.

Market Your Business

• Website and Online Presence: Create a professional website and utilize social media to reach potential clients.
• Networking: Attend industry events and join professional organizations to build connections.
• Advertising: Use targeted advertising to attract your ideal clients1.

Regulation

Even if you start the investment as a corporation, you don’t need a license. The things you need to do is just appoint the securities firm.

SASAL Recommendation

When you establish the investment business, SASAL Recommend to contract with large corporation. When you need consultation SASAL is able to support through counselor service.

SASAL Inc. sells products to enrich your life.

Identify Your Needs

Start by assessing different areas of your life where you feel improvements could be made. Consider aspects like health and wellness, productivity, and hobbies. For example, you might want to improve your sleep, reduce stress, enhance your fitness routine, stay organized, or explore new hobbies.

Research and Reviews

Once you know what you need, research products that fit those categories. Look for online reviews on websites like Amazon and Best Buy, and check expert recommendations from trusted sources. Read both positive and negative reviews to get a balanced view.

Wellness Products

Consider products that promote overall wellness. Examples include:

• Sleep Aids: Weighted blankets, white noise machines, and blackout curtains.
• Fitness Gear: Home workout equipment like resistance bands, yoga mats, and fitness trackers.
• Stress Relief: Essential oil diffusers, stress-relief coloring books, and meditation apps.

Innovative Gadgets

Technology can greatly enhance your daily life. Look for gadgets that offer convenience and solve common problems:

• Smart Home Devices: Smart speakers, smart plugs, and home security systems.
• Health Tech: Wearable devices like smartwatches and fitness trackers.
• Kitchen Gadgets: Tools like air fryers, instant pots, and high-quality blenders.

Personal Recommendations

Ask friends, family, or online communities for their favorite products. Social media platforms and forums like Reddit can be great places to find honest reviews and suggestions.

Trial and Error

Don’t be afraid to try new things. Start with highly recommended items and see how they fit into your life. If something doesn’t work out, don’t hesitate to return it or try an alternative.

Would you like recommendations for specific types of products, like wellness items or tech gadgets? Or is there a particular area of your life you’re looking to improve?

Unit price

Intent	Platform	Cost	Information
B2C	Amazon	Basic Price for everyone	Easy to buy for everyone.
B2B	Alibaba	Basic Price for Corporations	Easy to buy for every corporations.
B2B	SASAL HP	Discount Price	–
B2C	Youtube	Discount Price	–
B2C & B2B	Client Website	Full Discount Price	–