url
stringlengths 15
1.48k
| date
timestamp[s] | file_path
stringlengths 125
155
| language_score
float64 0.65
1
| token_count
int64 75
32.8k
| dump
stringclasses 96
values | global_id
stringlengths 41
46
| lang
stringclasses 1
value | text
stringlengths 295
153k
| domain
stringclasses 67
values |
|---|---|---|---|---|---|---|---|---|---|
https://entrepreneurialwomenwithpurpose.com/impact-education-programme-empowers-rse-workers-with-post-covid-business-skills/
| 2023-12-10T14:08:00 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679102469.83/warc/CC-MAIN-20231210123756-20231210153756-00256.warc.gz
| 0.984124 | 778 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__86198371
|
en
|
About a dozen Vanuatuan women visited Selmes Garden Centre on Friday.
A programme tailored to ni-Vanuatu women on the Recognised Seasonal Employer (RSE) scheme is giving them the skills to adapt their businesses to a post-Covid world.
Entrepreneurial Women with Purpose, an organisation designed to empower women through education, has designed a programme based on the needs, skills and passions of women in Marlborough on the RSE scheme.
On Friday, around a dozen women were given a tour of the nursery at Selmes Garden Centre by Trust Chairman David Robinson.
Entrepreneurial Women with Purpose founder Catherine van der Meulen said the ‘Impact Education Programme’, had held workshops over the past six weeks, focusing on skills the women could take back to their own communities and businesses in Vanuatu.
“We took what they were currently educated in, what they wanted to be educated in, what their passions were, what their interests were, what their community needs were and what their social issues were,” she said.
They had done classroom-style workshops such as financial literacy and forecasting, but were also provided hands-on experience.
“One of the big things that came out was that they love to grow plants, and they love to grow food,” she said.
“This is showing them around not only how you grow plants and what fruits and vegetables they can actually be growing, but also how they can create a business out of doing something that they love.”
Entrepreneurial women with purpose founder Catherine van der Meulen said the programme had focused on what the women wanted to learn.
As a business that provided employment and training for people with disabilities, Selmes Garden Centre was also an example of how the women could use their businesses to address social issues within their communities, she said.
Many of the women had businesses of their own in Vanuatu, but some would have to pivot due to the loss of tourism from Covid-19.
“A lot of them already have [businesses] but what they really need to do is modify them to suit what the world needs right now,” van der Meulen said.
Alicia Albert, left, pictured with Cindy Metsa and Isabel Ronnie, had a business cultivated kava in Vanuatu.
“They needed tourism when they left, they don’t need it now.”
Isabel Ronnie operated a transport business for women back in Vanuatu, but was looking to change her business model when she returned, as there would no longer be tourists to transport.
“I’m thinking to change because from now on with the Covid, it’s too hard. Losing jobs and stuff so it’s better to change to something natural.”
“I’m thinking of the needs of the locals … just something natural.”
The tour was given by Selmes Trust Chairman David Robinson.
Alicia Albert also had a business growing and harvesting kava, a plant native to the Pacific Islands and commonly brewed into a social drink. She was looking to learn about new fruits and vegetables she could cultivate to expand her business.
Kathleen Kalo had a kava bar in Vanuatu and grew produce such as pineapple, bananas and sweet potatoes for her business.
She had been coming back to New Zealand on the RSE scheme since 2010, but this year was unsure when she could get back home, due to Covid travel restrictions.
“Normally we are thinking in September we can go back home but this time … we will just wait and see,” she said.
|
economics
|
http://pps-heating.com/faq.html
| 2021-05-14T00:25:00 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243989616.38/warc/CC-MAIN-20210513234920-20210514024920-00600.warc.gz
| 0.9526 | 785 |
CC-MAIN-2021-21
|
webtext-fineweb__CC-MAIN-2021-21__0__226880013
|
en
|
Q � What is zoning?
A � Zoning is when a home is divided into zones or areas. Each zone receives its own thermostat and controls its temperature and return air circulation independently within each zone.
Q � How does zoning work?
A � Zoning systems use dampers in the ductwork that open and close as needed based on each zone�s thermostat settings. When a zone doesn�t need to be heated or cooled, the dampers close to save energy and maximize comfort elsewhere.
Q � Why have I not heard about zoning before?
A � Zoning has actually been around for years. It has been used more in a commercial application than in a residential setting. Zoning is a specialized service that not all H.V.A.C companies offer. Most heating companies are in the production, change out, replacement and service side of the industry. PPS Heating and Air Conditioning, Inc. specializes in zone control systems, providing the service to its custom homebuilder clients as well as its residential retrofits and remodels.
Q � How do I know if zoning would help me?
A � In most cases zoning can be quite helpful to homeowners. Whether you live in a 2 story home or a single level home, zoning can help reduce energy costs and create a more comfortable environment that you control.
Q � Can I save money on my energy bill with zoning?
A � Absolutely. Homeowners can save up to 33% on their energy
bills with zoning when combined with a programmable thermostat.
Q � Is zoning expensive?
A � Not really. The cost of the zoning when compared to the overall cost of the home is minimal and in most cases, costs can be recouped in a relatively short period of time. The benefits of zoning are many. More comfort, more control and more savings. It just makes sense.
Q � Is zoning considered environmentally friendly or green?
A � Absolutely. Zoning definitely contributes to conservation. With zoning you�ll only be heating and cooling zones or areas as needed, thus saving energy. Homeowners can save up to 33% on their utility bills with zoning when combined with a programmable thermostat.
Q � Is zoning convenient and efficient?
A � Yes. With the flexibility of a thermostat in each zone, there is no more cranking up the settings in one area to affect another.
Q � Is zoning only used in new construction?
A � No. Zoning can be retrofitted in existing homes if there is adequate access to the ductwork, such as in a crawl space. Zoning is often times the best solution in providing and controlling comfort in cases of remodeling and home additions.
As a builder, why is zoning important to me?
A � Zoning is important to the custom homebuilder because it offers the opportunity to differentiate themselves from their competitors. Zoning gives the custom homebuilder an edge. Zoning enables the homebuilder to put a better product in the marketplace. Zoning is a solution homebuilders have been looking for, far fewer call backs, happier homeowners and better all around comfort system in the homes they build. Zoning as an investment although relatively inexpensive can provide big returns.
Zoning Solution Example:
Why is the upper floor of a two story home always hotter than the lower level?
A � Simple. Heat rises. Solution: Zoning. When a two story home is zoned into two zones, each level receives its own thermostat. Now the homeowner can control the temperature on each level independently. If the two story home is zoned into three zones, in most cases the third zone would be the master bedroom. End result. Each level and the master bedroom have its own thermostat.
<< back to Zone Control
|
economics
|
https://www.blackcountryandmarchesiot.ac.uk/news/black-country-and-marches-partnership-wins-prestigious-institute-of-technology
| 2023-09-23T05:19:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506479.32/warc/CC-MAIN-20230923030601-20230923060601-00732.warc.gz
| 0.942583 | 968 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__18507529
|
en
|
The Secretary of State for Education has today approved a bid led by Dudley College of Technology to create an Institute of Technology (IoT) as part of a new wave of government funded skills institutions. After an exhaustive procurement process the project has moved to the ‘pre-award stage’ which in effect gives it the green-light to go ahead.
The bid was led by Dudley College of Technology alongside an extensive partnership including The Universities of Wolverhampton and Worcester and employers such as Thomas Dudley Ltd, The Hadley Group, Grainger & Worrell Ltd, The Dudley NHS Foundation Trust and Fulcro Coins.
The new IoT will focus its provision on advanced manufacturing, modern construction methodologies and medical engineering, all of which are critical transformational sectors for the regional economy.
The project will change the landscape of Dudley with the development of a three-storey 4,750m2 building sited on Castle Hill adjacent to the new Metro stop, the very Light Rail Innovation Centre and the Black Country Living Museum. Work on the flagship new build is planned to start in October this year with the Institute open for learners in September 2021. The IoT will also operate from the Marches Centre for Manufacturing Technology in Bridgnorth.
By 2025 the IoT plans to support over 2,000 new learners following higher level technical programmes with an emphasis on Apprenticeships. The project totals some £32.5m of investment. Today’s announcement confirms the government’s intention to support £16.8m capital funding and the award of the prestigious IoT licence and brand.
Commenting on the success of the bid Lowell Williams, Chief Executive Officer, Dudley College of Technology said:
“I’m delighted that our proposal has been accepted. This is a marvellous opportunity for the people and businesses of the Black Country and the wider West Midlands region. They will have access to a national leading skills centre right on their doorstep. The role of the IoT will be to develop the technical skills base of the region in sectors where there are skills shortages and high demand. It will help both individuals and businesses to thrive, and provide a further boost the regional economy. I can’t thank all of the project partners enough for their tremendous support.”
Welcoming the announcement Dudley North, MP Ian Austin said:
“This is brilliant news for Dudley. I’ve always said we need to make education and skills our number one priority because there’ll be massive growth and lots of well-paid jobs in new hi-tech industries over the next 20 years, so this will help us develop the skills we need to attract new industries and new jobs, help local businesses grow, give youngsters a first class start and help adults get new jobs too. I’ve worked really hard to support this project and I want to thank Lowell and his team who are making such a difference in Dudley.”
Echoing the sense of achievement Vice-Chancellor of the University of Wolverhampton, Professor Geoff Layer, said: “This centre will help meet the demand and the skills gap that employers in the region are telling us about. This will lead to a more highly skilled workforce and help to continue to regenerate the regional economy.”
Mayor of the West Midlands Andy Street, who in February wrote to Minister of State for Education, Anne Milton MP, in support of the IoT bid, said:
“This is fantastic news for Dudley and for the wider West Midlands, and I am delighted for Dudley College.
“The Dudley IoT will boost people’s skills, and offer great courses in industries where our regional economy is booming.
“The Dudley IoT will help local people gain great qualifications, so they have a better chance of getting a rewarding career in sectors which are growing very quickly. The IoT will also support the introduction of T-levels and help underpin growth in apprenticeships, to support our regional aspiration that everyone has the opportunity to access great training and great careers in the West Midlands.”
On behalf of employers Tom Westley, Chairman of the Westley Group Ltd and Black Country LEP board director said:
“This is wonderful news for Dudley, the Black Country, the Marches and all our surrounding businesses. It builds on the College’s success and will play a crucial part in further reinforcing and boosting this area as a great place to locate your business, where excellent ‘state of the art’ skills training facilities are on your doorstep and you can access a highly skilled workforce.”
The next step of the process is for the College and partners to attend a workshop for the select group of fellow awardees which will take place in London in May.
|
economics
|
https://seoulbitcoin.kr/aboutus/
| 2023-09-26T19:34:34 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510219.5/warc/CC-MAIN-20230926175325-20230926205325-00288.warc.gz
| 0.948345 | 139 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__166391728
|
en
|
Bitcoin is a world-changing technology that deserves your attention. It allows anyone to send money over the internet without requiring permission or trust.
Seoul Bitcoin is a community that hosts monthly Bitcoin meetups that are accessible to beginners, but also challenges you to understand the technology.
Our meetup is run entirely by volunteers and without a profit motive. This is not a meetup about trading or investing. We care about the technology and hope to convey our excitement.
There are many alternative coins out there that make false claims of superiority. We offer education to help you guard yourself against misinformation.
It is our hope that gaining a deeper understanding of Bitcoin will lead to a deeply motivated community.
|
economics
|
https://jackabbott.org/2013/10/24/levies-damned-levies-and-statistics/
| 2018-08-20T16:33:27 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-34/segments/1534221216718.53/warc/CC-MAIN-20180820160510-20180820180510-00512.warc.gz
| 0.974162 | 1,473 |
CC-MAIN-2018-34
|
webtext-fineweb__CC-MAIN-2018-34__0__135841933
|
en
|
Well that was about the most one sided PMQs you are ever likely to see.
Whoever was doing the prep work for David Cameron needs to be giving a good kick because that was comfortably the worst performance he has put in since becoming the Leader of the Conservative Party. You knew what was going to come up, energy and Sir John Major, yet he was so grossly underprepared it was pretty staggering. In saying that Ed Miliband gave arguably his best performance to date; he counter attacked, never let Cameron settle and his quip that ‘John Major was a Conservative Prime Minister who won a majority’ clearly rattled the PM who resorted to calling Miliband a ‘con man’ who was ‘living in a Marxist universe’ with neither remark landing any sort of blow. It was not quite a Tony Blair/John Major ‘weak, weak, weak’ moment, but ironically it was Major that helped tee Cameron up for the biggest trouncing he has had so far. The usually slippery DC has now been ruffled, is looking incredibly vulnerable and, worryingly for him, Miliband and Labour know it.
This has all stemmed from Ed Miliband’s speech at the Labour Party Conference 6 weeks ago. Like a hit number one, his proposal to freeze energy bills was both popular and has been played almost nonstop on the radio since. Some may call it a gimmick, others may call it unworkable but one thing is for sure it is a vote winner, a policy which addresses living standards and firmly draws attention to the criminal situation in this country where fuel poverty has meant that thousands of people will face the choice between heating and eating this winter. It will provide some respite to all, but especially those most desperate in our society who have seen their benefits capped or cut entirely, been taxed if they have been deemed to be living with the luxury of an additional room or simply been demonised and labelled as a scrounger if they are in the terrible situation of being unemployed.
Since Miliband’s game changing speech Cameron has been scratching around trying to find a riposte, searching for a policy idea that will match, never mind trump, Labour’s for effect and popularity. Labour has successfully shifted the debate to living standards and in particular fuel poverty, issues to the Tories are simply unequipped to deal with and it has shown. It really is quite something to see the Opposition, rather than the sitting Government, setting the agenda and indeed, future policy.
Cameron’s solution to cut green levies yesterday was as predictable as it was politically and practically clumsy to say the least. This is not so much as a U-turn as it is Cameron continually circling a roundabout, desperately looking for the right exit, before turning off in desperation and finding that he is heading off in a completely different direction to the one he intended. That’s if he really knew where he was heading at all.
If he thinks that this will be a more popular policy than Miliband’s price freeze then he is wrong; 75% of people don’t believe the energy companies when they say that ‘green taxes’ are the reason for steeper bills whilst less than 30% oppose the existence of ‘green taxes’ to help investment in renewable energy. Nearly half of the people questioned also thought that current balance of cost of energy and environment impact should stay the same with an additional 20% thought that energy bills could be increased further to implement more environmentally friendly technology; together this account for more than two-thirds of the population. Clearly then, popular opinion does not run parallel with David Cameron and his party so the cut in green levies is not designed to be a vote winner but a dramatic overhaul of energy strategy, surely?
Perhaps not; out of an average household energy bill of £1,267, green levies make up about £112 which works out around 9% of the overall bill. Of this, over 50% (£58) goes towards energy saving measures for low-income homes and a warm home discount for pensioners. These are the people most at risk from fuel poverty and it is not an exaggeration to suggest that thousands of peoples’ lives will be put at risk each and every winter if these support mechanisms are taken away.
Now underlying to all this is the presumption that many associate the green levies with renewable energy which is of course undeniably evil when compared to fracking and nuclear power stations (how dare us hippies promote an energy source that is stable, sustainable, clean, green and basically free once installed). The problem with this presumption is that 1). the vast majority of people support renewable energy and 2). the environmental and renewable energy factors to the average bill add up to £53 out of £1,255, just over 4%. Therefore, if these green levies were scrapped the saving would be a drop in the ocean when compared to the wholesale prices of energy and the margins and benefits the energy companies are enjoying from an oligopoly. Sure we may see a small drop in energy bills now but as long as we remain dependant on non-renewable resources, the majority of which are now sourced from abroad, then we will remain in a situation where an uncompetitive marketplace can dictate and enforce energy price rises of 10% or more. It is also thought that without these green measures, the average bill in 2020 would also stand £166 higher than it would have been otherwise. It is time to stop acting with such a narrow, short term view and look at the bigger, long term picture.
Green levies will help us build an industry in this country which will reduce a dependence on existing wholesale energy market by localising the supply of energy and providing a resource which is not so extremely susceptible to the effects of demand and supply. Increased competitiveness in the market will bring prices down and the interests of the consumer will come first with the introduction of more co-operative and community owned energy companies; it goes without saying that jobs and growth will follow. This is not a fanciful ideal but an ideas that are being put into practice despite this Government’s best efforts. Like any industry however, it needs room and support in order to blossom and not to be chocked off as a knee jerk reaction when the going gets tough.
I am not advocating higher energy bills, I am advocating people to look at the numbers. I am advocating people to look at our dependence on a finite resource, on the profits energy companies are making in an oligopolistic market place and the severity of the alternative options. I am advocating a stable, sustainable, clean, green future, a more competitive energy market with greater consumer input and ownership, with lower bills for all. I am advocating people look at who said to “vote blue, go green”, who promised the “greenest government ever” and who supported the introduction of green levies and increased them by 50% as Prime Minister. I am advocating that you also look at the person who oversaw the reduction of energy prices whilst Secretary of State for Energy and Climate Change, who has promised 1 million green jobs and has vowed to implement a price freeze.
I am advocating a better future.
|
economics
|
https://law-platform.jp/refs/fr_18670724
| 2020-08-09T01:57:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439738380.22/warc/CC-MAIN-20200809013812-20200809043812-00222.warc.gz
| 0.932805 | 6,317 |
CC-MAIN-2020-34
|
webtext-fineweb__CC-MAIN-2020-34__0__167908959
|
en
|
ON COMPANIES AND PARTNERSHIPS
- The French Code of Commerce and Most Usual Commercial Laws , 1880 [Google Books]
TITLE I. OF “Sociétés en Commandite” DIVIDED INTO SHARES. ARTICLE 1. “Sociétés en commandite” cannot divide their capital into shares or coupons of shares of less than one hundred francs, when the capital does not exceed two hundred thousand francs, and of less than five hundred francs when the capital exceeds the above amount. They are not definitely formed until the whole of the capital has been subscribed, and at least one quarter of each share actually paid up. The aforesaid subscription and payments shall be sworn to by the manager before a notary. To the deposition shall be annexed—the list of subscribers, a statement of the amount paid up, the agreement under which the stock company is formed, executed in duplicate, if the same be “sous seing privé;” and a certified copy thereof, if it be a notarial deed, executed before a notary other than the one before whom the deposition is made. The deed “sous seing privé,” whatever may be the number of parties thereto, must be executed in duplicate, one of which shall be annexed, as explained in the preceding paragraph, to the deposition setting forth the subscription of the capital and the payment of the one fourth, and the other of which shall be deposited at the office of the “Société.” ARTICLE 2. The shares or share coupons are negotiable after the payment of one fourth. ARTICLE 3. A stipulation may be made, but it must be set forth in the agreement under which the company is formed, that the shares or share coupons may, after one half has been paid up thereon, be converted, by a resolution of a general meeting, into shares payable to bearer. Whether the shares remain payable to order after such resolution, or whether they become converted into shares payable to bearer, the original subscribers who transferred the same, and the transferees to whom such transfers were made, before the payment of the one half, remain liable for the whole amount payable on the shares for the space of two years from the resolution of the general meeting. ARTICLE 4. When a member contributes to the concern an apport which does not consist of cash, or which consists of a personal privilege, the first general meeting shall estimate the value of the apport and the personal privilege contributed. The company is not definitely constituted until after the approbation of the apport, by a resolution of anothergeneral meeting convened for the purpose. The second general meeting cannot approve the same until a report has been printed and placed at the disposal of the shareholders five days at least before the said meeting. The resolutions may be passed by a majority of the shareholders present. This majority must consist of one-fourth of the shareholders, and represent one-fourth of the capital paid up in cash. Members who have brought in an apport or personal privilege to be submitted to the examination of the meeting, cannot vote. In default of approbation the Articles of Association become of no effect as regards all parties. Approbation as above forms no obstacle to the subsequent institution of proceedings in case of fraud. The clauses of the present article relating to the approval of the “apport " not consisting in cash, are not applicable in the case of a company to which the said “apport" is made, when such company is exclusively composed of parties who were already joint-proprietors thereof. ARTICLE 5. A committee of inspection composed of at least three shareholders shall be appointed in every société en commandite par actions. This committee shall be appointed by the general meeting of shareholders immediately after the definite formation of the société and before the commencement of its business. The committee is subject to re-election at the periods and upon the conditions set out in the articles of association. In any case, however, the first committee cannot act for more than one year. ARTICLE 6. The first committee must, immediately upon its appointment, examine if all the provisions contained in the preceding articles have been complied with. ARTICLE 7. Every société en commandite par actions, constituted contrary to the provisions of Articles 1, 2, 3, 4 and 5, of the present law shall be void and of no effect as regards the parties interested therein. This section cannot, however, be set up as a defence against third parties. ARTICLE 8. When the Articles of Association are annulled, pursuant to the preceding Article, the members of the first Committee of Inspection may be declared responsible, together with the manager, for all damages resulting therefrom to the Company or to third parties. The same liability attaches to the members whose “apports” or personal privileges shall not have been approved pursuant to Article 4. ARTICLE 9. The members of the Committee of Inspection incur no responsibility in relation to acts of administration or the results thereof. Each member of the Committee of Inspection is liable for his own default in relation to the carrying out of his duties according to the general rules of law. ARTICLE 10. The members of the Committee of Inspection shall verify the books, cash bills, drafts, and other securities of the société. They shall draw up every year for the general meeting a report, in which they shall point out any irregularities or omissions which they may have found in the inventories, and state, should there be occasion, what difficulties exist as to the payment of the dividends proposed by the gérant. The shareholders cannot be called upon to reimburse dividends which they may have received, unless such dividends have been paid without drawing up an inventory, or without reference to the position of affairs as shown by the inventory. Actions for return of dividends as above are barred after the lapse of five years from the day fixed for the distribution of the dividends. Limitations which have commenced to run at the time of the promulgation of the present law, and which, according to the old laws, do not expire within five years therefrom, shall come within the present law, and bar actions within the time prescribed therein. ARTICLE 11. The Committee of Inspection may call a general meeting, and pursuant to resolution passed thereat, may wind up the Company. ARTICLE 12. Fifteen days at least before the date of the general meeting every shareholder may, either by himself or his agent, inspect, at the principal office of the Company, the balance-sheet, inventories, and report of the Committee of Inspection. ARTICLE 13. The issue of shares or share coupons of a société constituted contrary to the provisions of Articles 1, 2, and 3 of the present Law, is punishable by a penalty of from five hundred to ten thousand francs. The same penalties are applicable as follows:—To the manager who commences operations before the Committee of Inspection enter upon their functions; parties who, by representing themselves as holders of stock which does not belong to them, have created a fictitious majority at a general meeting, without prejudice to any action for damages to which they may be liable towards the société or third parties; shareholders who have sought to make a fraudulent use of their shares. In the cases provided for in the two preceding Articles, the penalty of imprisonment of from fifteen days to six months may be inflicted. ARTICLE 14. The negotiation of shares or of share coupons, the value or form of which are contrary to the provisions of Articles 1, 2, and 3 of the present law, or in respect of which the payment of one fourth has not been made pursuant to Article 2 above mentioned, is punishable by a penalty of from five hundred to ten thousand francs. Parties who have participated in the negotiation, or issuing of the said shares, are punishable by the same penalties. ARTICLE 15. The following are liable to the penalties prescribed by Article 405 of the Penal Code, without prejudice to the application of that Article to all acts constituting the misdemeanor of “escroquerie” (swindling):—1st. Parties who, under pretence of subscription or payment of calls, or by fraudulent publication of subscriptions or payments which have not been made, or by other fraudulent acts, have obtained, or sought to obtain subscriptions or payments upon shares; 2nd. Those who, in order to attract subscriptions or payments, have fraudulently and falsely published the names of persons as being or about to become connected with the concern in any capacity whatever. 3rd. The géran's who, without drawing up inventories, or by means of false inventories, have paid fictitious dividends to the shareholders. The members of the Committee of Inspection are not civilly responsible for offences committed by the managers. ARTICLE 16. Article 463 of the Penal Code is applicable to the cases mentioned in the three preceding Articles. ARTICLE 17. Shareholders representing one-twentieth at least of the capital can, in the common interest, depute at their expense one or more agents to institute suits against, or defend suits by, the managers or Committee of Inspection and to represent them in courts of justice and otherwise, without prejudice to the right of each shareholder to bring actions in his own name. ARTICLE 18. Companies existing before the Law of 17th July, 1856, and which have not complied with Article 15 of this Law, must within six months appoint a Committee of Inspection in conformity with the preceding provisions. In default of the appointment of the Committee of Inspection within the period above mentioned, every shareholder has the right to have the company dissolved. ARTICLE 19. Sociétés en commandite par actions, formed previously to the present law, which can by their statutes be transformed into Sociétés anonymes authorised by the Government, can be converted into Sociétés anonymes upon the conditions specified in Chapter II. of the present Law, by complying with the clauses contained in the statutes relating to the transformation. ARTICLE 20. The Law of the 17th July, 1856, is hereby repealed. TITLE II. OF Sociétés Anonymes. ARTICLE 21. Sociétés anonymes can henceforward be formed without the authorisation of the Government. They can be constituted, whatever may be the number of members, by a deed sous seing privé, executed in duplicate. Sociétés anonymes are subject to the provisions of Articles 29, 30, 32, 33, 34, and 36 of the Code of Commerce, and to the enactments contained in the present chapter. ARTICLE 22. Sociétés anonymes shall be conducted by one or more managers appointed for a certain time; they are revocable, whether salaried or otherwise, and chosen from amongst the members. These managers may elect a director from amongst them, or if the statutes permit it, appoint a person unconnected with the société, but for whose acts they remain responsible. ARTICLE 23. No company can be constituted with a number of members less than seven. ARTICLE 24. The provisions of Articles 1, 2, 3 and 4, of the present law apply to Sociétés anonymes. The deposition required of the manager by Article 1 shall be made by the founders (promoters) of the société anonyme, and shall be submitted, together with the documents in support thereof, to the first general meeting, which shall examine into its correctness. ARTICLE 25. A general meeting shall be, in all cases, convened by the promoters subsequent to the deposition proving the subscription of the capital, and the payment of the fourth in cash. This meeting appoints the first directors; and also, for the first year, the auditors mentioned in Article 32, infra. The directors cannot be appointed for more than six years; they are re-eligible, unless it be provided to the contrary. They can, however, be appointed by the Articles of Association, with a formal stipulation that their appointment shall not be submitted to the approval of the general meeting. In the latter case they cannot be nominated for more than three years. The report of the meeting must set forth that the directors and auditors present at the meeting have accepted the offices tendered. The formation of the Company dates from such acceptance. ARTICLE 26. The directors must own a certain number of shares provided for by the statutes of the Corporation. These shares shall constitute a security against the acts of the board of directors, even as regards acts appertaining personally to any one of the directors. They shall be made out to the name of the owner, and be inalienable, marked with a stamp denoting their inalienability, and deposited with the Company. ARTICLE 27. A general meeting shall be held, at least once in each year, at the time fixed in the Articles of Association. The statutes determine the number of shares that must be held, either as holder or as agent, for admission to the meeting, and the number of votes belonging to each shareholder, in proportion to the number of shares held by him. Nevertheless, in the general meetings convened to verify the “apports,” to appoint the first directors, and to examine the depositions of the promoters of the Society, prescribed in the second paragraph of Article 24, every shareholder, whatever may be the number of shares he possesses, may take part in the meeting with the number of votes accorded to him by the statutes; but he may not, in any case, use more than ten votes. ARTICLE 28. In all general meetings resolutions are passed by the majority of votes. A list of the members present is drawn up, containing their names and addresses and the number of shares held by each. This list, certified by the chairman of the meeting, must be deposited at the offices of the société, and be open to the inspection of all persons entitled to demand the same. ARTICLE 29. General meetings having to deal with matters other than those provided for in the two following Articles, must be composed of a number of shareholders, representing a quarter at least of the capital of the undertaking. If the general meeting does not fulfil this condition, a further meeting must be called, with the formalities and within the time mentioned in the statutes, and this latter meeting can pass valid resolutions, whatever may be the proportion of capital represented by the shareholders present. ARTICLE 30. Meetings for the purpose of approving contributions other than cash, of appointing the first directors, and of examining the deposition made by the promoters according to the terms of paragraph 2 of Article 24, must be composed of a number of shareholders representing one-half at least of the capital. The capital, of which the half must be represented for the approval of the “apport” shall be composed only of apports that do not require to be submitted to examination. If the general meeting is not composed of a number of shareholders representing one-half of the capital, it can only pass provisional resolutions. In this case a further meeting must be called. Two notices shall be published at eight days' interval, at least one month in advance, in one of the journals appointed for the insertion of legal advertisements, in order to advise the shareholders of the provisional resolutions passed at the first meeting, and these resolutions shall become final if they are confirmed by the new meeting, if composed of a number of shareholders representing one-fifth at least of the capital of the corporation. ARTICLE 31. Meetings which have to decide upon amendments to the statutes, or upon propositions to carry on the undertaking beyond the period fixed for its existence, or to dissolve the company before such term, are not regularly constituted and cannot pass valid resolutions, unless they are composed of a number of shareholders representing one-half at least of the capital. ARTICLE 32. The annual general meeting shall appoint one or more commissaires,” shareholders or otherwise, to prepare a report for the general meeting of the following year upon the financial condition of the corporation, the balance-sheet, and the accounts presented by the directors. A resolution approving the balance-sheet and accounts is void, unless it has been preceded by the report of the commissaires. In default of appointment of the commissaires by the general meeting, or in case of prevention or refusal of one or more of the commissaires appointed to act, the president of the Tribunal of Commerce of the principal office of the société shall proceed to appoint the same upon the petition of any party interested, the directors being duly convened. ARTICLE 33. During the three months preceding the period fixed by the statutes for the holding of the general meeting the commissaires have the right, whenever they deem it expedient in the interest of the société, to examine the books and investigate its operations. They can at any time, in case of urgency, call a general meeting. ARTICLE 34. Every Société anonyme shall draw up, every six months, a summary statement of its assets and liabilities. This statement shall be placed at the disposal of the commissaires. An inventory must also be drawn up every year, pursuant to Article 9 of the Code of Commerce, containing a list of the real and personal securities, and of all the assets and liabilities of the société. The inventory, the balance-sheet, and the account of profit and loss shall be handed to the commissaires four days at latest before the general meeting, and the same shall be presented to the meeting. ARTICLE 35. During fifteen days at least before the holding of the general meeting, every shareholder can inspect, at the principal office, the inventory and the list of shareholders, and obtain a copy of the balance-sheet containing a summary of the inventory, and of the report of the commissaires. ARTICLE 36. One twentieth, at least, of the nett profits must be set aside every year to form a reserve fund. The above deduction shall be no longer compulsory when the reserve fund amounts to one-tenth of the capital. ARTICLE 37. In case of the loss of three-fourths of the capital, the directors must call a general meeting of all the shareholders, to decide as to the expediency of winding up the company. The resolution of the meeting must, in every case, be made public. In case the directors fail to call a general meeting, and also in case it is not possible to obtain a quorum, any party interested can apply to the Court to dissolve the corporation. ARTICLE 38. The winding up may be ordered upon the petition of any party interested, when one year has elapsed since the date at which the number of members became reduced to less than seven. ARTICLE 39. Article 17 applies to Sociétés anonymes. ARTICLE 40. The directors are prohibited from receiving any interest, directly or indirectly, in any undertaking or transaction entered into by, with, or on account of the société, unless with the sanction of the general meeting. A special account must be rendered to the general meeting each year of the carrying out of the undertakings or transactions so authorised in the terms of the preceding paragraph. ARTICLE 41. Every Société anonyme which has not complied with the provisions of Articles 22, 23, 24, and 25 above mentioned, is void and of no effect as regards the members thereof. ARTICLE 42. When the Company has been dissolved, or the acts and resolutions thereof have been pronounced void, pursuant to the preceding Article, the promoters whose default has occasioned the same, and the directors in office at the time, are jointly and severally liable to third parties, without prejudice to the rights of the shareholders. The same liability attaches to these members whose “apports” or privileges have not been approved pursuant to Article 24. ARTICLE 43. The extent and effects of the liability of the commissaires to the société are determined according to the general rules legally applicable to agents. ARTICLE 44. The directors are liable, individually, or jointly and severally, to the société, or to third parties, according to the general rules of Law, either for infringements of the provisions of the present Law, or for faults committed by them in their management, especially for distributing, or allowing to be distributed, dividends that are fictitious. ARTICLE 45. The provisions of Articles 13, 14, 15 and 16 of the present Law apply to Sociétés anonymes, without distinction between those actually existing and those constituted pursuant to the present Law. Directors who, in the absence of an inventory, or by a false inventory, have distributed fictitious dividends, incur the penalties enacted by No. 3 of Article 15 relating to managers of Sociétes en commandite. The last three paragraphs of Article 10 are also applicable to Sociétés anonymes. ARTICLE 46. Sociétés anonymes which are in existence at the date of the present law, shall, for their entire duration, be subjected to the provisions which now govern them. They can be changed into Sociétés anonymes within the terms of the present Law by obtaining the authorisation of the Government, and complying with the forms prescribed for the modification of their statutes. ARTICLE 47. Limited Liability Companies can be converted into Sociétes anonymes within the terms of the present law, by conforming to the rules drawn up for the modification of their statutes. Articles 31, 37, and 40 of the Code of Commerce, and the Law of 23rd May, 1863, upon Limited Liability Companies are hereby repealed. TITLE III. SPECIAL PROVISIONS RELATING TO Sociétés WITH VARIABLE CAPITAL. ARTICLE 48. A stipulation can be made in the Statutes of every Société that the capital may be increased by successive payments made by the members, or by the admission of new shareholders, or be diminished by the total or partial withdrawal of the “apports” contributed. Sociétés whose statutes contain the above stipulation are subject to the following clauses irrespective of the general rules applicable to them according to their special constitution. ARTICLE 49. The capital shall not be fixed by the original statutes of the société at more than the sum of two hundred thousand francs. It may be increased by a resolution of a general meeting, year after year; each increase shall not exceed two hundred thousand francs. ARTICLE 50. The shares or share coupons shall be nominative, even when fully paid up; they cannot be less than fifty francs in value. They are not negotiable until after the definite constitution of the société. The negotiation of them can only take effect by means of transfers inscribed in the books of the société, and the statutes can give, either to the board or to the general meeting, the right to refuse such transfer. ARTICLE 51. The statutes shall fix an amount beneath which the capital must not be reduced by the withdrawal of the apports authorised by Article 48. The above amount must not be inferior to one-tenth of the capital. The société shall not be deemed definitely constituted until one-tenth be paid up. ARTICLE 52. Every member can retire from the société whenever he thinks fit, unless there are stipulations to the contrary, and unless such withdrawal would be in violation of Paragraph 1 of the preceding article. It may be stipulated that the general meeting shall have the right to decide by the majority fixed for the modification of the statutes, that one or more of the shareholders cease to belong to the société. A member ceasing to belong to the société, either by his own will or by decision of the general meeting, shall remain liable during five years to the shareholders and to third parties for all obligations entered into by him, and existing at the time of his withdrawal. ARTICLE 53. The société, whatever may be its form, may be legally represented in courts of law by the directors. ARTICLE 54. The société shall not be dissolved by the death, withdrawal, interdiction, bankruptcy or insolvency of one of the members; it remains undissolved as regards the other members. TITLE IV. PROVISIONS RELATING TO THE PUBLICATION OF THE ARTICLES OF ASSOCIATION. ARTICLE 55. Within a month from the constitution of any mercantile company or partnership, a duplicate of the deed constituting the same, if it be sous seing privé, or a copy if the document be a notarial deed, must be filed in the offices of the justice of the peace, or of the Tribunal de Commerce of the place in which the company or partnership is established. The following papers shall be annexed to the deed of constitution of sociétés en commandite par actions, and sociétés anonymes : 1. A copy of the notarial deed, setting forth the subscription of the capital and the payment of a fourth; 2. A certified copy of the resolutions passed at the general meeting in the cases provided for by Articles 4 and 24. Apart from the above, when the société is anonyme, a duly certified list of the names of the subscribers, including their christian and surnames, professions and addresses, and the number of shares held by them respectively, must also be annexed as above. ARTICLE 56. Within the same period of one month, an extract from the Articles of Association, and from the documents annexed thereto, must be advertised in one of the journals appointed for the publication of legal notices. A copy of the journal, certified by the printer and legalised by the mayor and registered within three months of its date, shall be evidence of such insertion. The formalities prescribed by the preceding and present Articles must be complied with, or they will be void as regards the members, but such default cannot affect the rights of third parties. ARTICLE 57. The extract must contain the names of the members other than the shareholders or commanditaires; the firm, name, or title of the société, and the address of the principal office; the names and offices of the members entrusted with the management, direction, and signature on behalf of the Société, the amount of capital and amount of securities or property brought in or to be brought in by the shareholders or commanditaires; the date when the société is to commence operations and the duration of the undertaking, and the date when the deposits were made as above at the offices of the justice of the peace and Tribunal of Commerce. ARTICLE 58. The extract must state whether the société is en nom collectif, or en commandite simple, or en commandite par actions, or anonyme, or d capital variable. If the société is anonyme, the extract must show the amount of the capital in cash or otherwise, and the proportion of profits to be set aside as a reserve fund. Lastly, if the société is d capital cariable, the extract must state the sum beneath which the capital cannot be reduced. ARTICLE 59. If the société possesses several branches in various districts, the deposit required by Article 55 and the publication prescribed by Article 56 must be made in each of the districts. In cities divided into several districts the deposit need only be made at the greffe of the justice of the peace of the district in which the principal office is situate. ARTICLE 60. The extract of the deeds and documents deposited must be signed by the notary in the case of notarial or “public deeds,” and in the case of deeds “sous seing privé" by the members “en nom collectif,” by the managers in “sociétés en commandite,” and by the directors in “sociétés anonymes.” ARTICLE 61. The following are subject to the formalities and to the penalties prescribed by Articles 55 and 56: All deeds and resolutions made with the object of modifying the statutes, continuing the société beyond the term fixed for its duration, dissolving the same before that period and fixing the mode of liquidation, all changes and retirements of members, and all changes in the firm, name or title. The resolutions passed in the cases provided for by Articles 19, 37, 46, 47 and 49 above appearing are also subject to the provisions of Articles 55 and 56. ARTICLE 62. Documents relating to the increase or diminution of the capital in the terms of Article 48, or to the retirement of members other than managers or directors, taking place pursuant to Article 52, are not subject to the formalities of deposit and publication. ARTICLE 63. In the case of “sociétés en commandite par actions,” or “sociétés anonymes,” any person has the right to inspect the documents deposited with the justice of peace and at the Tribunal of Commerce, or even at his own expense to receive copies or extracts from the officer of the court, or from the notary. All persons can also insist upon having delivered to them, at the principal office, a certified copy of the statutes, upon payment of a sum not exceeding one franc. The documents deposited must be posted up prominently in the offices of the soeiété. ARTICLE 64. In all deeds, invoices, advertisements, publications and other documents, printed or in writing issued by sociétés anonymes or by sociétés en commandite par actions, the title must be always preceded or followed immediately by the following words, plainly written in full characters, “société anonyme,” or “société en commandite par actions,” and by a statement of the amount of the capital. If the société has availed itself of the provisions of Article 48, this fact must be mentioned by the addition of the words, “d capital variable.” Any infringement of the preceding clauses is punished with a penalty of from fifty to one thousand francs. ARTICLE 65. The provisions of Articles 42, 43,44,45 and 46 of the Code of Commerce are hereby repealed. TITLE V. OF Tontines AND OF INSURANCE COMPANIES. ARTICLE 66. Associations formed under the Tontine system, or of the nature of mutual or premium Life Assurance Companies, remain subject to the authorisation and the inspection of Government. Other species of insurance companies can be formed without authorisation. A réglement d'administration publique shall determine the conditions under which they can be constituted. ARTICLE 67. Insurance companies, designated in Paragraph 2 of the preceding Article, which are in actual existence, can place themselves under the regime which will be established by the réglement d'administration publique, without the authorisation of the Government, upon observing the forms and conditions prescribed for the modification of their statutes.
|
economics
|
http://motivationalspeakerssafrica.com/denisehall/
| 2018-02-21T11:21:38 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891813608.70/warc/CC-MAIN-20180221103712-20180221123712-00531.warc.gz
| 0.948886 | 427 |
CC-MAIN-2018-09
|
webtext-fineweb__CC-MAIN-2018-09__0__135105381
|
en
|
For Booking and Contact information:
Denise Hall is an ex-Business Owner turned Exit Strategist and Business Broker to Business Owners of the world. She knows how to play the “Finish Unfinished Business” game like no other.
Starting a business is a BIG deal.
Building it to become much more than a hobby is even BIGGER again.
In fact, building a Business into an Asset may result in it being possibly the largest asset you’ll ever own, if not second after your home. So NOT “Starting with the End in Mind” can result in all the blood, sweat, tears and money you’ve invested resulting in nothing!
According to recent statistics from the “Centre of Women’s Business Research USA”, only 3% of women-owned businesses reach $1 million revenue or more. Highlight women who are the primary breadwinner, that % is even lower no doubt. Denise is proud to feature in both categories.
In July 2011, Denise sold her last business for fair market value, the third she has owned, built and sold. It was in the Consulting, Learning, Training and Organisational Development arena, doing 7 figures at time of going to market, so it wasn’t one that could just be packed away without due consideration of its future.
Blend this breadth of experience and execution together with her sense of humour, and you can see why Denise is sort after.
From building a “Mother of a Business”, to finding a way to GET OUT as profitably and painlessly as possible, Denise paints a picture enabling all to see what needs to be done and how to do it, whether it be DIY or working along side her.
- Business Planning “in Reverse” = How to Start with the End in Mind (regardless of how old it is)
- Is your Business Ready to Sell if you get the tap on the shoulder?
- How to Successfully Buy a Business
- Buy | Sell Websites and Online Businesses
|
economics
|
http://freebonus.me/forex/
| 2018-11-15T22:43:36 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039742963.17/warc/CC-MAIN-20181115223739-20181116005739-00542.warc.gz
| 0.94969 | 596 |
CC-MAIN-2018-47
|
webtext-fineweb__CC-MAIN-2018-47__0__182433797
|
en
|
A free forex bonus is the most attractive type of bonuses in trading. You don’t need to top up your trading account to start trading. To receive a free bonus from any broker we have on the website you should sign up for a Forex trading account and provide a broker’s customer support with the information confirming your identity. Most often a fee bonus is credited automatically after the information you provided is verified.
A free bonus in forex is a tendency that is gaining more and more popularity. Due to this, a circle of potential participants of the foreign exchange markets became even wider. Actually, any person without own investment funds can become a trader today.
Safecap Investments Ltd
A no deposit bonus in forex is a unique thing as it allows trading under the same conditions as the owners of real trading accounts. To choose the most optimal offer for yourself, spend some time to study the conditions of receiving a no deposit bonus at several brokers.
Strange as it may seem but a no deposit bonus is also beneficial for a sponsorship broker. After a trader’s registration a broker receives a portion of the spread. As statistics shows, 5-10% of attracted traders bring quite a good profit at different trading intervals. Thus, for many brokers their expenses pay off.
A unique chance to become a real trader without a risk of losing own funds attracts everyone. The companies gain benefit from this approach and that is why the number of brokers offering no deposit bonuses is rapidly increasing. With the money you receive you can consider your emotional state and try a new strategy without risking the money leading to negative consequences.
Brokers don’t want to lose a new client and the money they gave to him during the first hours on Forex, so they actively provide a client with informational support. Experienced traders share their knowledge at special schools, they readily answer the questions, and hold seminars.
Some traders get so obsessed with receiving a no deposit forex bonus that they do their best to break the limits. The most widespread fraud is the second sign up. However, this is not the way to earn good money. You can sign up 20 times but if you are not aware of what you need to make a profitable trade, you won’t get more money. Besides, with each new signing up you’ll have to provide new passport data, new e-mail, another IP-address, and phone number. Eventually, the final result does not seem worth all your efforts.
The main disadvantage of a no deposit bonus is that it can turn out to be completely useless. A trader is not afraid at all that he can lose the no deposit bonus and it does not motivate him to make an effort to save the bonus. As a result, the rules of managing the capital are violated and a trader easily and quickly spends the money he received. Unfortunately, 9 out of 10 cases have such a scenario.
|
economics
|
https://liverpoolcathedral.org.uk/about-us/news/liverpool-cathedral-to-receive-281-600-from-second-round-of-the-government-s-culture-recovery-fund/
| 2023-12-05T01:19:30 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100540.62/warc/CC-MAIN-20231205010358-20231205040358-00109.warc.gz
| 0.961336 | 927 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__51393032
|
en
|
Liverpool Cathedral to receive £281,600 from second round of the Government’s Culture Recovery Fund
Liverpool Cathedral among more than 2,700 recipients to benefit from the latest round of awards from the £1.57 billion Culture Recovery Fund. This award will enable us to support jobs and ensure the maintenance of our building
Liverpool Cathedral in has received a grant of £281,600 from the Government’s £1.57 billion Culture Recovery Fund to help the organisation recover and reopen.
Nearly £400 million has been awarded to thousands of cultural organisations across the country including Liverpool Cathedral in the latest round of support from the Culture Recovery Fund, the Culture Secretary announced today.
Liverpool Cathedral’s much needed award of £281,600 will enable us to maintain our building and secure jobs after what has been a difficult year.
As a Grade I listed building and the largest cathedral in the UK, just keeping the building well maintained, safe, secure and clean costs upwards of £1 million a year – over a third of our regular annual income.
Like so many Liverpool institutions and businesses, the cathedral faces large deficits and has had to take strong measures to secure our financial footing. Recognising our role as an employer in an economically deprived area we have worked hard to preserve jobs. This award gives us more security in an uncertain world.
Over £800 million in grants and loans has already been awarded to support almost 3,800 cinemas, performance venues, museums, heritage sites and other cultural organisations dealing with the immediate challenges of the coronavirus pandemic.
This brings the Government's total investment across grants, capital and repayable finance from the Culture Recovery Fund so far to more than £1.2 billion across over 5,000 individual cultural and heritage organisations and sites.
The second round of awards made today will help organisations to look ahead to the spring and summer and plan for reopening and recovery. After months of closures and cancellations to contain the virus and save lives, this funding will be a much-needed helping hand for organisations transitioning back to normal in the months ahead.
Culture Secretary, Oliver Dowden, said:
“Our record breaking Culture Recovery Fund has already helped thousands of culture and heritage organisations across the country survive the biggest crisis they've ever faced.
Now we’re staying by their side as they prepare to welcome the public back through their doors - helping our cultural gems plan for reopening and thrive in the better times ahead."
The Very Revd Dr Sue Jones, Dean of Liverpool, said:
“It feels particularly timely that this wonderful news comes so close to Easter. We are thankful for this lifeline from the government. In the most difficulty year of my Christian ministry it is gratifying to receive some help for us to remain serving the city in the many ways we do. We had already taken great steps to survive through this time and there is much still to do. But this lifeline will help us to recover, to secure vital jobs and to keep reaching out to the city.
We are always mindful that we were built by the people, for the people and we want this grant to continue to help us serve Liverpool through being a catalyst for other investment, a place to attract people to the city and a spiritual and cultural focus for the city.”
Ros Kerslake, CEO of The National Lottery Heritage Fund, said:
“Spring is definitely here, bringing not only sunshine but that sense of optimism and hope for the future. We are all looking forward to heritage places and other visitor attractions reopening and I am very pleased that we have been able to support DCMS in delivering this vital funding to ensure the UK’s heritage sector can rebuild and thrive, boosting local economies, creating jobs and supporting personal wellbeing.”
Duncan Wilson, Chief Executive of Historic England, said:
“The value of our heritage sites and the people who run them has been amply demonstrated, as they have provided an anchor for so many of us through the dark days of the last year. Vital grants from the Culture Recovery Fund have helped them survive and will now help them recover, as the places we all cherish start to reopen in the months ahead.”
The funding awarded today is from a £400 million pot which was held back last year to ensure the Culture Recovery Fund could continue to help organisations in need as the public health picture changed. The funding has been awarded by the National Lottery Heritage Fund and Historic England as well as the British Film Institute and Arts Council England.
|
economics
|
https://www.bridgemarketingct.com/2020/05/21/sales-process/
| 2022-05-26T08:56:41 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662604495.84/warc/CC-MAIN-20220526065603-20220526095603-00485.warc.gz
| 0.93773 | 772 |
CC-MAIN-2022-21
|
webtext-fineweb__CC-MAIN-2022-21__0__42095852
|
en
|
There are many elements that create Sales Process for an organization. At its simplest form, the client process involves developing leads, qualifying accounts, understanding needs, serving those needs with your product or service, handling objections and closing the sale. One of the more critical elements involves the delicate balance in the relationship between salespeople and the sales manager. Where many sales managers fall short is not in the managing of the client process above, but in defining sales accountability for each salesperson. As a sales manager have you established sales tools to monitor each salesperson’s productivity? Is there buy-in from the sales team on your process, goals, and direction? Is the team in a position to pivot if markets begin to fluctuate and goals are in jeopardy?
Here are five easy steps to keep your salespeople on track:
- Establish Revenue Goals: Every owner expects a reasonable profit from their business. How will your salespeople get there? Start with the established revenue goals of your company and determine what percentage of revenue will need to come from your team. Determine individual goals by territory size, product niche and opportunities to sell. Once established, have each salesperson sign off on their portion of the goal.
- Create Booking or Contract Goals: How many sales transactions will be needed to reach established revenue goals? Determine the average sale for your company and the effort needed to close the sales process. Create annual, monthly and weekly sales goals for the number of contracts needed to reach these revenue figures. Have each salesperson sign off on the effort.
- Determine Call Goals: How many solicitations will be needed to secure the contracts to reach revenue goals? Discuss with your salespeople their way of selling, eliminate any barriers that detract from “selling time,” and determine the amount of time it takes daily for phone calls, email solicitations and in-person meetings. Subtract any internal meetings and reporting and you are left with the maximum amount of sales time available within a day/week. Establish call goals accordingly to reach your established contract conversion level.
- Write Sales Action Plans (SAP): Do your salespeople have a path to follow to gain successful targets? Sales Action Plans are quite often referred to as the “compass” or “road map” for salespeople to follow to reach their goals. Well written SAPs clarify target markets, territories, hot industries, and usually, the best opportunities for success. Follow these steps to create “actionable” sales action plans:
- Create a time-line for each action. Typical assignments cover a one or two-week period. Set complete SAPs at three-month intervals.
- Sales Action Plan activity counts toward established Sales Call Goals.
- Everyone should participate. Create ownership from the salespeople by asking for their ideas and putting them into action. Have each salesperson sign off on their Sales Action Plan.
- Be flexible. As new sales opportunities arise, allow the salespeople to pivot and change the plan to what’s hot right now.
- Keep the salespeople on target. It’s easy to set aside Sales Action Plans when it gets busy.
- Hold Weekly Sales Meetings: With today’s technology, there is no excuse not to meet with your salespeople weekly to keep them accountable for their sales activity. Use what is in reach to stay in touch whether in-person, by conference call, Zoom Meetings, Skype, in groups or one on one. As sales manager, take a back seat in these meetings. Give your salespeople the chance to shine by letting them talk, to ask for feedback and to encourage others to keep moving forward.
Accounts Will Grow, Contracts Will Increase, and Revenues Will Rise.
|
economics
|
https://clinesnursery.com/about/
| 2024-04-25T06:42:19 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712297290384.96/warc/CC-MAIN-20240425063334-20240425093334-00106.warc.gz
| 0.953878 | 176 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__19422608
|
en
|
We are a Wholesale Nursery that serves commercial customers both big and small, including Landscape Contractors, Designers, Landscape Architects, Home Builders, Garden Centers, and Professional Gardeners. We are a one stop shop offering needles, mulch, stone, straw, fertilizer, bagged soil, and grass seed along with shrubs, groundcovers, grasses, perennials, and trees from 4” containers to large B&B trees. We offer beautiful locally grown plants and trees as well as a large variety of items sourced from around the United States, and we are happy to locate any plant material you need.
We strive to exceed our customers’ expectations by providing superior nursery stock at fair prices to help you stretch your landscape budget and maximize profits. We understand that on time delivery service is crucial to your business success and ours.
|
economics
|
https://enjoyyourphotography.com/sell-photographs-online/
| 2021-09-17T22:51:31 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780055808.78/warc/CC-MAIN-20210917212307-20210918002307-00168.warc.gz
| 0.952944 | 3,857 |
CC-MAIN-2021-39
|
webtext-fineweb__CC-MAIN-2021-39__0__139209876
|
en
|
37 Great Places For You To Sell Photographs Online
Would you like to sell your photographs online, and make money doing it?
Do you ever wonder how to sell photos online and earn money at the same time?
First, let me say that in my experience, it’s very hard to make a lot of money this way.
However it is possible to make some money on a regular basis when you sell your photographs online.
Try several ways to sell photos online, and some or most should bring in some sales.
With several small incomes added together they can build up into a decent amount of money.
In this article I’m going to list some of the best places to sell photos online, in no particular order.
A lot of these are stock photo agencies where you can offer your photos for commercial use.
Some offer websites that are designed to make it easy to sell photographs in various ways.
There are some where you upload photos and designs to be used on a range of goods for sale.
I use affiliate links on this website, and there are some on this page.
If you click on one and buy something from the website it refers you to, I will get a payment.
You will not pay any extra for your purchase when you buy through one of these links.
SmugMug hosts your website that you build with their templates and software.
You can sell prints, digital downloads, and a range of gifts featuring your photos as designs.
They have several different plans to suit all from hobby photographers to professionals.
SmugMug also have a feature where you can buy a website as a gift for someone.
2. Can Stock Photo
You can sell both your photos and video footage as Microstock on Can Stock Photo.
There’s a second way that you can earn money online with Can Stock Photo.
They have a referral programme where you can refer buyers to buy the images and footage they’ve listed.
At the same time they’ll pay you for referring new photographers as contributors to their library.
Visit Can Stock Photo
Zazzle doesn’t sell photos as prints or downloads, the sell gifts with designs that can be, or include photographs.
You upload your photographic designs, pick the gifts you want to sell them on, and they’re shown as a shop.
When someone buys a gift from your shop, featuring your design, you get paid.
There’s a vast amount of gifts to see, and others being added often, and a chance to make money.
There are a huge number of shops so your best chance is to promote you shop wherever you can.
Some people find and promote other peoples designs, and get paid a commission for it.
This means other people can promote your designs, and you can other peoples wares.
123RF is another Microstock Website that you can contribute to, and make sales.
They list photos, vectors, footage and audio, to be sold and earn money for their providers.
On their site they claim to have over 12 million active monthly users, a great place to sell photos online.
The offer an affiliate programme also, giving you another way to earn money online.
Squarespace is another company that provides hosting and templates to let you build a photography website.
These sites are not exclusively for photographers, they’re aimed at all creative people.
You can turn your site into a store and sell items directly from there.
There’s a huge list of companies and services that you can integrate your site with.
You should definitely check this one out before you decide on a website to use to sell photographs.
Redbubble is another platform where you can sell you photos as designs on products.
On these sites you can use the photos on their own or as part of a design.
The goal is to present them so that they can help sell the goods they decorate to sell.
They have a large range of goods that you can submit photos or designs for.
Shutterstock is another Microstock Agency where you can submit and sell photos.
Here as with all such sites you try to get as many photos accepted to their library.
The more you have accepted the better chance you have of making sales.
Join several agencies and try to get more that a thousand photos accepted on each one.
Shutterstock is one of the very best and definitely one that you should be a contributor to.
8. Big Stock Photo
Big Stock Photo is another Microstock Agency that you should join and contribute to.
The more photos you have listed on their platform, the more sales you’re likely to make.
A photo may sell on one stock website and fail to sell on another.
Most, if not all, are free to join, and when you have a photo prepared, submit it to several.
Visit Big Stock Photo
Fotomoto allows you to sell photos directly from your website in several ways.
It works with many website types including WordPress, Blogger, Flickr, Tumblr, Wix and many more.
You just add some code to your site and a Buy button appears next to your photographs.
They can be sold as Prints, Canvas Prints, Greeting Cards, Digital Downloads and more.
You set the prices that you want your photographs to sell for.
Fotomoto can print and fulfil the orders, or you can do so yourself.
Mostphotos is slightly different to most other Microstock Agencies in the way it accepts photographs for sale.
With most agencies your contribution have to be approved by the agency before being offered for sale.
With Mostphotos you can upload and offer your images for sale without having to be approved.
I’ve sold images through agencies that were rejected by other agencies, so they don’t always get it right.
You should only photos that could be accepted by stricter agencies though, don’t submit obviously flawed images.
For that reason alone this agency is well worth joining.
Panthermedia is another Microstock Agency that you might like to contribute your photographs to.
Photos are rarely good enough to submit to stock agencies as they’re shot without some touching up.
JPEGs can lose some of their data while they are being touched up, so it’s better to shoot RAW files.
They have more information in them and can be worked on much more vigorously than JPEGs.
The better you present your images the better chance they have of being sold.
Instaproofs provides you with an online gallery where you can upload and sell your photographs.
Your photographs can be sold both as digital downloads, or as prints.
You can use social media, e-mail or your own blog to get your gallery in front of eyes.
Instaproofs can organise fulfilling your print sales, or if you prefer.you can do so yourself.
There’s a free plan and four paid options, and they you for your sales through Stripe.
Weblium is another website builder that provides both hosting and templates to build your site.
It has template suitable for many different kinds of website not just photography.
You can build a completely free site which include unlimited storage and an SSL certificate.
Not every provider of free websites include features like that, which may be all you need.
14. Adobe Stock
Adobe Stock is yet another Microstock Agency which is part of Adobe.
This is the company responsible for Adobe Photoshop and Adobe Acrobat and some more software.
By joining this agency you know your working with a big, established and well respected company.
They’ve recently acquired Fotolia which was another top class agency.
Visit Adobe Stock
15. Cafe Press
Cafe Press is another print to order gift company where you can sell your photographs.
Rather gifts can be sold featuring you photos as, or as part of the design, printed on them.
Photos look great printed on Mugs, Towels, Canvas Prints and many more gifts.
All you have to do is provide the designs, the rest is done for you.
Visit Cafe Press
16. iStock Photo
iStock Photo, once again this is a Microstock Agency of which there are many.
If Microstock didn’t make money then all these providers wouldn’t exist.
By joining several agencies you can some of that money when you sell your photographs.
Include iStock Photo in the agencies where you sell photos and earn money online.
Visit iStock Photo
ETSY is a platform where you can set up a shop to sell your hand crafted or vintage items.
You can make, design or design and make the items you offer for sale.
ETSY must know what art you play and who does the rest.
You can sell photographs but you have to supply/organise the supply yourself.
To list your wares on ETSY you do have to pay a fee.
It can be a great platform but make sure you know and keep the rules.
Weebly provide all you need to build a photography website to start selling your photographs.
The websites are suitable for many types of business, not just photography.
Their sites are very much focused on selling and marketing, and want you to succeed in this.
You can have a free site, but it’s very basic, but it does include free SSL Security.
Society6 is another print to order gift platform where you submit photographs or other art as designs.
They list a range of items that can be sold with your designs printed on them.
There are many such companies and more being launched on an ongoing basis.
If you have the time you can join several and increase your chance of success.
depositphotos is a Microstock Agency whee you can sell photographs, vectors and videos.
Like many other of the websites that I’m listing in this article they have a partner or affiliate programme.
Joining these you can earn more money by referring people who buy other peoples work.
Sometimes you can earn more through your affiliate links than by sales of your own work.
On Snapped4U, you can upload and sell both portrait and event photographs.
While most of the sites that I list here are free to join, Snapped4U is an exception.
You have to pay to set up an account, and pay a commission on your sales.
The subjects of the portraits and events are also the photographers clients.
When photos are online, the photographer informs the subjects, who then buy their photos through Snapped4U.
Picfair lets you set the price you want to sell your photographs for, and they take a commission.
I’m not sure what category they belong to, the sell stock and also some print to order items.
While you can join for free, there’s a paid plan that offers much more.
Some of the prices being asked for here are mouth watering, in comparison to most stock sites.
Cutcaster is yet another Microstock Agency that you can sign up to and sell photographs through.
Like many other such agencies once you join you get the option of becoming an affiliate.
In this instance you can earn through your referrals for up to two years after they join.
Even better than that you can earn from both buyers and sellers that you refer, often it’s just buyers.
24. YAY Micro
YAY Micro is, you guessed it, another Microstock Agency, much the same as all the others.
It also has an affiliate programme that allows you to earn for two years.
In this case though you only earn through the purchases that the buyers you refer make.
However buyers are almost sure to buy photos while sellers may struggle to make sales.
Visit YAY Micro
Alamy is a Stock Agency that claims to pay the biggest commissions of any to photographers.
As ever you can join and see how much you can earn through them.
Most of these agencies have a minimum amount you have to earn before you get paid.
However with steady sales with several agencies your earnings can mount up and in time be worthwhile.
FineArtAmerica is another one of these companies that sell your designs on a range of products.
You can have a fee account which include all but a few of the features available.
However as a free member you can only upload twenty five images/designs.
Beyond that you have to pay a yearly fee, and twenty five images is not worth bothering with.
They set a price for an item, and you set the markup that you feel you can sell for.
Visit Fine Art America
Dreamstime is a Stock Agency with an affiliate programme where you can earn from your referrals for three years.
It applies to people you refer as both sellers and buyers of photographs.
It’s one of the agencies that offer contributors the chance os becoming an exclusive contributor, just to them.
Under this arrangement you can earn more from the sale of an image, but you can’t offer it to another agency.
Printful also takes your designs, prints them on a range of items and ships them to wherever.
Not all the items these companies produce look their best with a photograph printed on them.
Other items probably look better with a photograph than a graphic design.
You can produce designs that include a photograph or part of one in a unique image.
The goal is to produce popular and profitable designs whether they’re with, part of, or without photographs.
Crestock, as the name suggests is a Microstock agency, very much like the others.
They’ve got an affiliate programme but you only get paid for six months after those you refer, join.
Crestock like many other agencies off several different ways to buy/sell photographs.
Again if you’re going to sell your photographs as stock, join several agencies at least.
You may as well consider joining crestock as any other, they all add up.
Photoshelter is one the website providers that are specifically aimed at photography.
These sites are built to show off your photography at its very best, and it succeeds magnificently.
They also put an emphasis on e-commerce making it possible to sell a host of photographic products.
You can build your site with one of the templates provided, when you sign up.
There are three different plans to chose from, starting a $10 a month when billed annually.
Stocksy is another Stock Agency, featuring photographs and video, but they require their contributors to work exclusively with them.
They claim to pay the highest royalties in the industry, which for exclusivity, they should.
Some agencies offer exclusivity as an option but few, if any other, demand it.
There are pros and cons to being exclusive, but personally I’d prefer to take my chances with several agencies.
Imagekind can sell your photographs in the form prints, posters, canvas art and gift cards.
This is print on demand service but offers a much smaller product line than most other such companies.
They have a video online showing their workshop in production and it does look impressive.
You can sign up for a basic free account but there are paid plans that offer much more.
Pond5 is a Microstock Agency that sell Footage, Music, After Effects, Sound Effects, Illustrations, and 3D Models, plus Photographs.
Unlike most Microstock sites, photographs seem to be an after thought, with video the main focus.
If you do video as well as photos this could be the place to start selling stock.
If you mainly shoot stills then I wouldn’t start here, I’d leave it until I had accounts with several others first.
Visit Pond 5
Zenfolio provides websites for photographers only, as several other providers do, built on provided templates.
There’s a range of templates and you can chose the one like, and want to build your site on.
Also there’s three plans to chose from starting at $5 a month, provided you decide to pay annually.
There’s several of these providers so you should check them all before you decide which you’ll sign up to.
Instaprints is a print to order company with a big and growing product line, much like other similar companies.
As with stock sites, if you have the time and patience, you can join several of these sites.
Your designs can be photographs, graphics or a combination, as on most such websites.
It’s unlikely that you’ll get rich one one site, buy combine several. and a few stock agencies, and who knows.
EyeEm is a Stock Agency where you can sell photographs, which is standard with these websites.
The website is a little vague but it appears that it’s possible to pick up photography and video work through them.
They don’t require exclusivity, which is the same for most stock agencies, and something I like.
These look like an interesting agency but they could tell a little more on their website.
CustomCat is another print on demand website with a big range of products you can design for.
Most of these sites list sellers shops or product gallery’s, but these don’t.
They have guides on marketing, but I think you have to find your own markets.
I wouldn’t start my print on demand journey here, but I would consider it in time.
Are you ready to sell photographs
The markets I’ve discussed here mainly fall into three categories, personal websites, stock sites and print on demand sites.
You only want one website, so check out as many as you can before you decide on one.
To sell photographs as stock, join several sites, and give yourself a better chance to earn money online.
Some sites will accept photograph that other sites will reject, and you won’t figure out why.
If you just decide to join one site, you won’t spend as much time submitting images, but you’ll only have one chance to succeed.
With print on demand sites it’s unlikely any of your designs will be rejected, unless the fall into the usual no-go areas.
If you have a lot of photographs, you have nothing to loose, except time, if you try to sell some.
|
economics
|
https://www.forvermagazine.com/has-the-use-of-digital-media-providers-increased-during-the-two-years-affected-by-the-pandemic/
| 2023-01-29T11:30:22 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499713.50/warc/CC-MAIN-20230129112153-20230129142153-00651.warc.gz
| 0.9616 | 668 |
CC-MAIN-2023-06
|
webtext-fineweb__CC-MAIN-2023-06__0__257139779
|
en
|
Digitization is an important trend that has affected the construction industry on many levels. For example, the growing use of BIM is changing the construction process and the increase in online orders is affecting purchasing channels. Digitization will also affect the ways in which construction professionals gather information about products and solutions, which means that the media channels used by manufacturers to market building materials and products can also be used.
That is why we often interview suppliers about what media channels they use to gather information and focus on construction products and markets. In a previous article, we discussed a virtual trade fair that seemed to be a digital alternative to a physical trade fair that had been canceled due to a pandemic. What about the use of contractors by other media channels? Is it possible that there is also a trend towards digitization or a lack of pandemic effect? This is what we interviewed 950 vendors in Europe about the Q4 2021 report on USP Marketing Consultancy’s Contractor Monitor, which focuses on media orientation of vendors from eight European countries.
The use of suppliers’ media channels has not changed much in two years
The use of the six media channels included in our study by European suppliers has not changed much in two years. For example, the proportion of suppliers who cite the use of websites or manufacturers’ representatives as sources of information is still 90%. Similarly, the share of suppliers using brochures from manufacturers, wholesalers’ websites and digital newsletters in 2021 is the same as in 2019.
Regarding media channels that show a change in use, the share of suppliers looking for exchanges has decreased significantly. As we mentioned in the previous article, this is due to COVID-19 bans. Other changes of use are relatively subtle. The use of specialist magazines seems to have declined somewhat, while wholesale representatives have been more busy in the last two years. Meanwhile, the share of entrepreneurs using social media has increased from 49% in 2019 to 57% in 2021, and the most significant increase is seen in the use of mobile applications, from 46% to 59%.
Digitization or non-digitization?
As already mentioned, the changes are not or are more serious and at first sight do not reflect the trend of digitization in media use. Sure, the increase in mobile application and social media use can be seen as evidence of the digitalisation of media use, but it is easy to link this increase to a pandemic.
If you look at what vendors expect in the future, this picture will change. The use of digital media, such as the websites of manufacturers and wholesalers, digital newsletters and especially mobile applications and social media, is more often expected to be increased by suppliers. In the meantime, traditional media such as brochures from manufacturers, trade magazines and print newsletters are often expected to decline. These expectations revealed a slow transition from traditional to digital media.
Although the trend of digitization is less visible in the above-mentioned development of media use by European entrepreneurs, it is important to realize that the ethics and behavior of these entrepreneurs may differ from country to country. To find out where the trend towards digitization is stronger or which countries have traditional origins as more sustainable, we refer you to the Q4 2021 Supplier Monitoring Report from USP Marketing Consultancy.
|
economics
|
http://mydebtnegotiation.com/money/are-you-planning-for-the-future/
| 2017-12-16T05:27:10 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948583808.69/warc/CC-MAIN-20171216045655-20171216071655-00349.warc.gz
| 0.967493 | 627 |
CC-MAIN-2017-51
|
webtext-fineweb__CC-MAIN-2017-51__0__133883833
|
en
|
A recent report into personal finance has created something of a stir in Government circles with the majority of the UK population apparently confused by the vast array of financial products available.
The report confirmed the Governments worst fears with less than 4 in 10 of the UK population saving for their retirement – which will surely result in an even greater strain on the UK Pension system in the future.
It seems that there is still much work to do to educate the UK public with regards to saving for their future retirement, how to budget and looking beyond the short term. This has further strengthened the call for more detailed financial planning to be taught at school, ensuring that the younger generation are more aware of their future requirements.
Why are people not planning for the future?
Of the reasons mentioned for this lack of long term planning were:
- Confusion with regards to the cost of financial products.
- A belief that the state would provide for people in the future.
- Scepticism with regards to the financial industry (recent mis-selling scandals).
- The cost of living.
When you bear in mind the fact that the UK has one of the most developed financial markets in the world, it does seem strange that the general public are not planning for their future.
The longer this situation continues the more chance of firmer Government intervention which would be sure to cause resentment with the UK population.
Did You Opt Out OF SERPS? Was It The Right Move?
It has recently been announced that the number of complaints from people who were potentially mis-sold State Pension opt out plans soared last year. Rising from 115 in 2005 to 954 in 2006, there is concern that many many more people may have been wrongly advised.
The plans centred around the opportunity to leave the State Earnings Related Pension Scheme (SERPS) or the more recent State Second Pension (S2P) and receive a national insurance rebate to start the new pension plans.
The problem is that while everything was upfront, and all payments were in line with the guidelines, there were some pretty hefty commissions paid. These commissions not only effect the short term value of the funds, but also result in less money to reinvest (and hopefully grow year on year) – with some people up to 40 years from retirement, the results could be fairly dramatic.
The Financial Services Authority are now suggesting that up to 120,000 people may have been mis-sold these plans and wrongly advised to opt out of SERPS / S2P. The industry will be undergoing yet another review of individual cases, in a chilling scenario to the more recent pension mis-selling scandal.
While it is estimated that the average loss per person will only be in the region of £7 a week, this can add up to a fairly hefty sum for those who enjoy a long retirement. It seems that every time the government try to sort out the pensions problem in the UK, another problem appears. This is starting to have a serious effect on the publics trust of the industry, and will not help the governments long term target to reduce the state pension liability.
|
economics
|
https://www.rfmx.net/cross-docking/
| 2023-04-01T14:41:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296950030.57/warc/CC-MAIN-20230401125552-20230401155552-00551.warc.gz
| 0.932045 | 196 |
CC-MAIN-2023-14
|
webtext-fineweb__CC-MAIN-2023-14__0__173679252
|
en
|
In the world of logistics, methods, and systems that can simplify and streamline the supply chain while cutting costs are constantly being refined and customized to better benefit individual businesses. Cross-docking is one such method.
Cross-docking is the practice of unloading freight from an inbound load, and then loading it directly into an outbound shipment with little to no storage in-between. Essentially, when companies use the cross-docking method, a distribution center functions more as a sorting center than an actual storage or warehouse facility.
Overall, cross-docking is highly cost effective for any business with high-volume shipments and considerable transportation needs. Switching from the traditional distribution center model can prove cost-beneficial as well for companies looking to increase inventory turns and reduce material handling.
To find out how RFMX can help you utilize our cross-docking method, please email [email protected] or call direct 303-564-3355.
|
economics
|
https://www.vianet.capital/about/index.html
| 2023-12-02T07:38:38 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100381.14/warc/CC-MAIN-20231202073445-20231202103445-00648.warc.gz
| 0.952946 | 273 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__234157260
|
en
|
Tim Draper is founding partner of leading venture capital firms Draper Associates and DFJ.
Tim's original suggestion to use viral marketing in web-based email to geometrically spread an Internet product to its market was instrumental to the successes of Hotmail, YahooMail, and Gmail and has been adopted as a standard marketing technique by thousands of businesses.
Venture successes include Skype, Overture, Baidu, Tesla, Theranos, Parametric Technology, Hotmail, Digidesign, Twitch.tv, and hundreds of others.
As an advocate for entrepreneurs and free markets, Tim is regularly featured as a keynote speaker in entrepreneurial conferences throughout the world, has been recognized as a leader in his field through numerous awards and honors, and has frequent TV, radio, and headline appearances.
He was ranked 52 on the list of the 100 most influential Harvard Alumni, and seven on the Forbes Midas List. He was named Always-On #1 top venture capital deal maker. He was awarded the Commonwealth Club's Distinguished Citizen Award for achievements in green and sustainable energy.
To further encourage entrepreneurship, Tim started BizWorld.org, a non-profit for children to learn entrepreneurship, Draper University of Heroes, a school for entrepreneurs 18-28, and he leads SixCalifornias, an initiative to improve the governance of California.
|
economics
|
https://www.simutechgroup.com/ansys-software/ansys-startup-program/
| 2024-04-13T04:28:45 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816535.76/warc/CC-MAIN-20240413021024-20240413051024-00627.warc.gz
| 0.937827 | 219 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__91875654
|
en
|
Gain access to the Ansys product suite, save money with software bundles, and build virtual prototypes through the Ansys Startup Program.
With the Ansys Startup Program, engineers gain complete access to simulation software bundles.
The bundle consists of a host of resources, including live trainings, on-demand webinars, and a dedicated SimuTech engineer to assist entrepreneurs like yourself in growing your business efficiently and rapidly.
This program is designed to cater to growing businesses that require full flagship products at reduced costs. With full access to our wide portfolio of multiphysics software bundles, bring your products from design to life.
Small companies are the lifeblood of the economy and serve as the backbone of innovation for the future. SimuTech Group can help get your product to market quickly, all while saving your company time and money.
As a Startup Partner, you’ll have opportunities for marketing with SimuTech and Ansys as well as full technical support for your software bundles to help get your products launched.
|
economics
|
http://pbcsd.org/ww_collection.html
| 2017-04-25T18:18:07 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917120844.10/warc/CC-MAIN-20170423031200-00199-ip-10-145-167-34.ec2.internal.warc.gz
| 0.925914 | 223 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__92936591
|
en
|
Wastewater Collection & Treatment
PBCSD owns and maintains 74 miles of sewer collection and interceptor lines and eight lift stations. District employs six full-time personnel who maintain the sewer collection system as well as the reclaimed water distribution system.
PBCSD contracts with the Carmel Area Wastewater District (CAWD) for sewer treatment services. According to the contract entered into 1968, PBCSD has access rights to one-third of the CAWD's treatment plant's capacity by contributing to one-third of plant capital items costs. PBCSD also shares the treatment plant operations, maintenance and administrative (O&M) costs which amounts to about 40% of the plant O&M costs.
PBCSD levies a sewer user fee on property owners to pay for the annual CAWD sewer treatment plant O&M costs. Sewer user fees are collected for the District by the Monterey County Tax Collector's Office on the property tax bills.
The District's sewer line replacement project uses a non-invasive "pipe bursting" technique that does not require tearing up roadways.
|
economics
|
https://www.ifranchisemenat.com/our-consultants/mark-siebert/
| 2019-05-19T08:54:39 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232254731.5/warc/CC-MAIN-20190519081519-20190519103519-00261.warc.gz
| 0.926254 | 1,163 |
CC-MAIN-2019-22
|
webtext-fineweb__CC-MAIN-2019-22__0__171567698
|
en
|
CEO & Sr. Franchise Consultant
A franchise consultant since 1985, Mr. Siebert founded the iFranchise Group in 1998 as an organization dedicated to developing long-term relationships with successful franchisor clientele. Mr. Siebert has worked with hundreds of franchisors, from start-up operations to corporate giants. He is an expert in evaluating companies for franchisability, structuring franchise offerings, and developing franchise programs. The strategic planning recommendations developed by Mr. Siebert have been instrumental in the growth and success of numerous national franchisors.
During his career as a franchise consultant, Mr. Siebert has personally assisted over 30 Fortune 1000 companies and over 250 start-up franchisors. Some of the more prominent companies he has helped include 1-800-FLOWERS, Ace Hardware, Anheiser Bush, Athlete’s Foot, Amoco, Armstrong Flooring, Auntie Anne’s Soft Pretzels, Berlitz, Bikram Yoga, Blockbuster, BP Oil, Buffalo Wild Wings, Bridgestone/Firestone, Carstar, Checkers/Rally’s, Chem-Dry, Chevron, Circle K, Claire’s Stores, Coldwell Banker, CompUSA, Comfort Keepers, Cosi, Coldwell Banker, Culligan, Denny’s, Dippin’Dots, DuPont, Einstein Brothers, El Pollo Loco, Encyclopaedia Britannica, FedEx Office, Fidelity Investments, General Electric, Goddard Schools, Guinness, Haagen Dazs, Hallmark, HoneyBaked Ham, IBM, Instant Tax Service, Jackson Hewitt, John Deere, Krispy Kreme, LA Weight Loss, Lenscrafters, Line-X, Little Gym, Manpower, Massage Envy. McAlister’s Deli, Mobil Oil, National Easter Seals, Nissan (Saudi Arabia), Nestle, Oreck, Payless Shoe Source, Perkins, Petland, Philips Van Heusen, Pinkberry, Popeye’s. Quizno’s, Rita’s Italian Ice, Ryder Truck Rental, Sears, Senior Helpers, Shell Oil, Sonic, Subway, Togo’s, T-Mobile, Texaco, and the U.S. Navy. He travels extensively to meet with companies considering franchising, and regularly conducts workshops and seminars on franchising in cities around the world.
Mr. Siebert also serves as a Partner and Member of the Board of Directors of Franchise Dynamics, LLC, the nation’s premier franchise sales outsourcing firm. Mr. Siebert has helped Franchise Dynamics grow from a start-up operation to a staff of more than a dozen professionals plus support staff whose combined credentials include the sale of more than 5,000 franchises.
For more than two decades, Mr. Siebert has been actively involved in assisting U.S. franchisors in expanding abroad. He has provided consulting services to franchisors in more than two dozen countries and his efforts have been responsible for the sale of numerous international licenses. Mr. Siebert has also personally supervised the establishment of international consulting practices in Argentina, Chile, Japan, Mexico, Spain, Uruguay, Peru, and the Philippines.
Mr. Siebert is widely acknowledged as a leading authority on franchise expansion and finance, having in 1989 led a joint venture for the purpose of obtaining funding for franchisors. In 2001, he co-founded Franchise Investors, Inc., an investment firm specializing in franchise companies.
Mr. Siebert has presented more than 400 speeches and seminars on franchising in cities around the globe. He has been a featured speaker for the International Franchise Association, the International Franchise Expo, the International Franchise Association’s Legal Symposium, the American Bar Association, the American Association of Franchisees and Dealers, the Franchise Finance Conference, the National Restaurant Association, the Canadian Franchise Association, the University of Chicago, Northwestern University, and at major franchise events in Argentina, Chile, Indonesia, Japan, Mexico, the Philippines, Peru, and Uruguay. He has been a featured guest on business programs airing on CNN, Fox Business Network, and other programs both in the U.S. and abroad.
Mr. Siebert has published well over 100 articles in dozens of business and professional periodicals, including The Franchise Handbook, Success, Venture, Entrepreneur (both in the US and in Japan), Entrepreneurial Edge, Commerce, Franchising World, Successful Franchising, Business Opportunities Journal, California Restaurateur, and Food Industry News. Mr. Siebert is the featured columnist on “How to Franchise a Business” for Entrepreneur.com and is a regularly featured columnist in Franchise Times magazine and The Franchise Handbook.
Mr. Siebert is frequently called upon as an expert witness in franchise-related cases. He was on the Board of Directors of the American Association of Franchisees and Dealers (AAFD), on the Board of Advisors to Connections for Community Ownership, was named to the Franchise Times list of “20 To Watch” in franchising in 2002, and in 2001 was named the AAFD’s Supporting Member of the Year and received the AAFD Special Recognition Award in 2003. In 2011, Siebert was the subject of a feature article in Restaurant Franchising entitled “The Franchise Growth Guru.”
He holds a B.S. in Advertising and an M.B.A. from Northern Illinois University, and has taught undergraduate and post-graduate courses in business and in franchising at Lewis University, Loop College, and DePaul University.
|
economics
|
https://amendoeiraorganics.com/pages/our-story
| 2024-04-13T01:09:28 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816465.91/warc/CC-MAIN-20240412225756-20240413015756-00304.warc.gz
| 0.952767 | 283 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__61290427
|
en
|
Love The Planet, Buy Organic!
Amendoeira Organics was set up at the beginning of 2020. Just as the pandemic swept cross the world, bringing economies and countries to a standstill we received our EU Organic certification and decided to start growing organic fruit, nuts and vegetables.
Initially we shared our produce with a few friends and neighbours, and gradually this group of customers (and friends) grew. In December 2020 we started selling our produce on Saturday’s at the Loule farmers market. We love being at the market and continue to go there every week.
As organic farmers we are committed to learning and applying regenerative and sustainable farming practices. Our aim is to continually improve the quality of the soil and the environment, while growing and selling fresh organic produce. We are only selling locally (to reduce the carbon footprint of the farm) and to ensure the produce as fresh as possible. (Most orders are harvested within 48 hours of delivery.) We obviously do not use any chemical pesticides, and fertilisers and almost all of our farming is done by hand – without the use of heavy machinery.
We believe farms should be at the heart of our local communities. We want our customers to get to know us and our partner farmers, and we are working to establish a collaborative and transparent way of working to bring ourselves, our customers and our partner farms closer to nature and each other.
|
economics
|
https://thecompany.ee/product/businessthink-rules-for-getting-it-right-now-and-no-matter-what-david-marcum-steve-smith-mahan-khalsa/
| 2023-12-09T12:08:09 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100909.82/warc/CC-MAIN-20231209103523-20231209133523-00282.warc.gz
| 0.949639 | 296 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__48592819
|
en
|
Over 50 percent of all business decisions fail; 82 percent of businesses go under before their 10th anniversary and 8 out of 10 new products fail. In direct contrast, research also shows that 91 percent of all businesspeople are as confident as ever in making decisions. Decision confidence is up. Success is down. While we are an inventive, entrepreneurial society, an innovation explosion has also been marked by business implosion.
To improve the odds for success, the authors of businessThink deliver a revolutionary new method that bridges the monumental gap between the results businesspeople want and the failure they often get. The rules of businessThink provide tomorrow’s leaders with the ability to create effective solutions and take themselves and their companies into the zone of optimum performance. businessThink transforms “workers” into businesspeople with provocative, powerful new rules that will help you:
- Make winning strategic business decisions;
- Have colleagues trust your judgment and leadership;
- Leverage and utilize your talents;
- Become highly influential and relevant; and
- Create business value.
With rules like “Check Your Ego at the Door”, “Move Off the Solution”, “Create Curiosity”, and “Get Evidence”, businessThink goes where other business books are afraid to go and promises to significantly increase results by delivering hard-core business thinking and fusing it with high intuition and emotional intelligence to get it right – no matter what!
|
economics
|
https://www.genano.com/infobase/are-you-aware-of-the-cost-of-healthcare-associated-infections-hai
| 2023-12-04T10:42:29 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100527.35/warc/CC-MAIN-20231204083733-20231204113733-00843.warc.gz
| 0.945013 | 159 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__169152676
|
en
|
Of every 100 hospitalized patients, 7 in developed and 10 in developing countries will acquire at least one healthcare-associated infection, according to WHO. Healthcare-associated infections (HAI) are a huge cost for health care systems worldwide. It is estimated that in Europe alone, 16 million extra days of hospital stays and 37 000 unnecessary deaths yearly are due to HAI. Yearly financial losses are estimated to be at least 7 billion euros in Europe alone.
Micro-organisms or dust particles carrying infectious agents can remain airborne for an indefinite time when they are small enough. Current fiber filter (HEPA) based systems are not sufficient to prevent airborne transmission. Specialized air decontamination procedures are required to control infections. Premium air quality prevents HAIs and is an investment that will pay itself back.
|
economics
|
https://busconnects.ie:443/initiatives/next-generation-ticketing-cashless-payment/
| 2021-12-03T01:31:46 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964362571.17/warc/CC-MAIN-20211203000401-20211203030401-00427.warc.gz
| 0.942288 | 339 |
CC-MAIN-2021-49
|
webtext-fineweb__CC-MAIN-2021-49__0__36963294
|
en
|
Without changing the ticketing systems and the bus fares structure, the overall project would not deliver the full benefits that are possible under this transformation.
The second biggest source of bus delays, after traffic congestion, is the payment process at bus stops. Payment of fares by cash is still commonplace, slowing down the boarding time. Even when using the Leap Card, the complexity of payment stages means a high percentage of passengers have to interact with the driver, with resultant delays at bus stops. At busy bus stops these delays can be for several minutes. Multiply by the number of busy stops on a route, and those delays accumulate to add significantly to the overall journey time.
To tackle this, one of the NTA’s overall objectives is to develop a state-of-the-art ticketing system that ultimately makes payments more convenient for passengers. The Next Generation Ticketing element of BusConnects Dublin will implement an Account Based Ticketing (ABT) as the preferred option. This system aims to use cashless technology, allowing for payments to be made using cEMV (contactless credit and debit cards), mobile phones and tokens, all linked to a payment account. NGT will be implemented across Public Transport modes including metro, Luas and rail allowing for a seamless multimodal trip. The average bus user travels a distance of 8km passing by approximately 19 stops (assuming a stop spacing of 400m66). The BusConnects Dublin NGT element will facilitate the boarding process and reduce dwell time at each stop. In a scenario where this reduced dwell times at stops by 5 seconds this would deliver over 13 hours in time savings for the average bus user per year.
|
economics
|
http://www.backyardchirper.com/blog/white-tailed-eagles-raise-about-12-million-annually/
| 2013-05-25T18:00:48 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368706009988/warc/CC-MAIN-20130516120649-00082-ip-10-60-113-184.ec2.internal.warc.gz
| 0.975159 | 358 |
CC-MAIN-2013-20
|
webtext-fineweb__CC-MAIN-2013-20__0__198029588
|
en
|
For example, a few months ago, I wrote about how birds are economically important in terms of protecting valuable crops from intrusive insects and weeds.
Now, a recent study pointed out that the White-Tailed Eagle brought in millions of dollars in tourism money to an island in Scotland, according to BBC News.
The study surveyed 1,200 people who visited Mull, an island in Scotland, and found that a quarter of them said the eagle was a significant factor in bringing them to the island. Then, through economic modeling, they estimated anywhere between £5 million and £8 million (roughly $8 million and $12.8 million) were spent because of the eagle’s lure. Tourism from the birds is also estimated to support 110 jobs.
Those numbers were up from 2005 when the eagles brought in £1.4 million and 366 jobs.
White-Tailed Eagles, which are very close relatives to the Bald Eagle, became extinct in most parts of Europe a few decades ago because of hunting.
The majestic birds are known as “flying barn doors” due to their broad wingspan of about 8 ft. and mainly brown body.
White-Tailed Eagles are such a big draw because they’re being reintroduced to Europe in selected areas, including Mull. As a result, people are interested in seeing these rare birds take flight and go about daily activities.
One of the great outcomes of this study is the realization by the UK that conservationism has positive effects not only for birds and nature, but for the economy. It shows that there are monetary reasons to support environmental protections.
Hopefully this will also be an incentive and eye-opener for the US federal government’s effort on conservationism of birds.
|
economics
|
https://obiaa.com/projects/digital-main-street-2/digital-transformation-grants/
| 2020-08-12T12:49:23 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439738892.21/warc/CC-MAIN-20200812112531-20200812142531-00592.warc.gz
| 0.919858 | 486 |
CC-MAIN-2020-34
|
webtext-fineweb__CC-MAIN-2020-34__0__84924077
|
en
|
Digital Main Street 2.0
Helping Main Street Business Grow by Adopting Digital Tools & Technologies
Digital Transformation Grants
$2,500 Digital Transformation Grants for Main Street Small Businesses
Digital Main Street is a program focused on assisting main street small businesses with their adoption of technologies. Through a partnership with FedDev Ontario and the Province of Ontario, grant opportunities are available to enable this digital transformation process. The Digital Transformation Grant (DTG) program provides funding for training, advisory support, and grants to main street small businesses looking increase their capacity through digital transformation.
Every business that wants to apply for grant funding must first take an online assessment of their current technology use and meet the eligibility requirements. Next, they must complete the online training in order to develop a Digital Transformation Plan (DTP) that will detail their goals and review the technologies needed to achieve those goals. To help implement their DTP, eligible businesses can apply for a one-time grant of $2,500 to assist with the costs of adopting the suggested technologies.
How do I apply?
Applications for Digital Transformation Grants will open July 1st, 2020 and will continue to be accepted until November 30th, 2020. The process for businesses applying for a Digital Transformation Grant has two main stages.
**NOTE: businesses MUST have completed their assessment, passed the eligibility quiz, taken the online training, and developed their Digital Transformation Plan BEFORE applying.
Stage 1 – Application:
- Create an account on digitalmainstreet.ca/ontariogrants
- Complete their digital assessment
- Pass the eligibility evaluation (please refer to the DTG FAQs for full eligibility details.)
- Complete an online training program focused on developing their digital literacy skills
- Develop a Digital Transformation Plan (DTP)
- Submit an application to include detailed information on the DTP along with a detailed budget (costs net of HST)
- Submit a copy of their Articles of Incorporation (AOI) or business registration
- Submit a picture of their store front/business operations
Stage 2 – Review and Award:
- OBIAA will review the application and once approved, the business will receive an agreement to be executed by both the business owner and OBIAA
- Upon receipt of the signed agreement, OBIAA will release the $2,500 grant to the business to begin implementing the DTP
|
economics
|
http://www.rekaautomotive.com/about-us/
| 2020-12-05T02:41:17 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141746033.87/warc/CC-MAIN-20201205013617-20201205043617-00539.warc.gz
| 0.952079 | 457 |
CC-MAIN-2020-50
|
webtext-fineweb__CC-MAIN-2020-50__0__20604087
|
en
|
Established as the official dealer of Pilkington Group UK in 1998, REKA Otomotiv İç ve Dış Tıc A.Ş is a dynamic and competitive organization that has been operating over twenty years, thanks to the highly professional service and competitive prices it offers.
REKA Otomotiv İç ve Dış Tıc A.Ş began as a business to meet domestic requirements, however, today our business operations have been altered considerably. Since its establishment, the company has been serving the automotive industry and professionals using its long-time experience, service and tremendous inventory with a constant growth.
Today, REKA Otomotiv İç ve Dış Tıc A.Ş is one among the key players in exportation of genuine auto spare parts worldwide and has got a long-lasting reputation and dignity in this field.
Our extensive product portfolio covers a varied range of genuine spare parts of well-known auto brands, such as RENAULT, PEUGEOT, CITROEN, FORD, FIAT, MERCEDES, VOLKSWAGEN and OPEL/CHEVROLET with potential, satisfied customers in 25 countries in North Africa, South America, Asia and Europe.
Apart from the selected suppliers from all over the world with outstanding references, the ‘preferred partner’ status has been given to the REKA Otomotiv İç ve Dış Tıc A.Ş by the official dealers of above mentioned car brands in Turkey, is what our team takes great pride in.
We’ve reached this level through delivering both supplier and customer satisfaction and through a professional approach to business development and business sustainability that sets us apart from most other players in the region, since we offer complete automotive solutions for passenger cars.
That’s why we look at the future with great yet objective ambition and are exploring new markets year after year with the ultimate goal of having our satisfied suppliers and customers join us through this journey of progress.
We thank all of our Customers and Suppliers for their valuable patronage during these years which makes it possible to offer our best services and products at all times!!!
|
economics
|
http://www.metalorad.com/bollinger-bands-technical-analysis-indicator/
| 2024-04-12T21:26:07 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816070.70/warc/CC-MAIN-20240412194614-20240412224614-00248.warc.gz
| 0.91702 | 2,543 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__142958685
|
en
|
Very quick and easy way to understand how to use Bollinger Band for trading….. If the bands are sideways i place my take profit a few points below the upper band. You can trade the concept on any timeframe as long as there’s sufficient liquidity. Am a better trader now in just 1week, by studing your materials. I was much against using indicators, but this is really useful and explained lucidly.
According to John Bollinger, the fall in the Bollinger Bandwidth indicator below 2% or 0.02 has led to big moves in the S&P500 index. Conversely, when the upper and lower Bollinger bands tighten, an impulsive move is likely right around the corner. Exit after another bearish divergence on Bollinger %b, from above to below 100. Use failure swings on Welles Wilder’s Relative Strength Index to confirm the signals.
The middle line in the chart represents a Simple Moving Average of N periods. All information on The Forex Geek website is for educational purposes only and is not intended to provide financial advice. Any statements about profits or income, expressed or implied, do not represent a guarantee. Your actual trading may result in losses as no trading system is guaranteed.
When calculating BandWidth, the first step is to subtract the value of the lower band from the value of the upper band. This difference is then divided by the middle band, which normalizes the value. This normalized Bandwidth can then be compared across different timeframes or with the BandWidth values for other securities.
While it is possible to use the Bollinger Bandwidth in the market, its role usually a bit limited. The second step is to subtract the value of the lower band from the upper band. This result will show you the absolute difference between the two. Now, to get the Bollinger Bandwidth, you then divide the middle band to normalize the value.
Bollinger Bandwidth Does Not Forecast Market Direction
Another good example of this is Snap, which you can see in the chart below. As you can see, the Bollinger Bandwidth remained in a tight range before the stock collapsed. On the right side, the Bollinger Bandwidth remained at elevated levels ahead of the next earnings. Because of how it works, the Bollinger Bandwidth does not have a close resemblance to Bollinger Bands.
However, you shouldn’t immediately open long positions in this situation. It is better to wait for additional confirmation because the bearish impulse was very strong. – the first low is below the lower boundary of the band or touches it, while the second low is inside the band. Their formation, as a rule, takes less time than peak formation. It is connected with the traders psychology – they act more actively at market bottoms than tops.
Donchian Channel Indicator
It decreases as Bollinger Bands narrow and increases as Bollinger Bands widen. Because Bollinger Bands are based on the standard deviation, falling Band Width reflects decreasing volatility and rising Band Width reflects increasing volatility. Resistance refers to a level that the price action of an asset has difficulty rising above over a specific period of time. The breakout is not a trading signal and many investors mistake that when the price hits or exceeds one of the bands as a signal to buy or sell.
A 20-day moving average would take the closing prices of the first 20 days as the first data point. Following this data point, the earliest price would be dropped, the price on day 21 would be added, and then the average would be calculated, and so on. In the next step, we will determine the cryptocurrency’s standard deviation. Bollinger Band is a popular technical indicator used by crypto traders to estimate volatility and find entry and exit points. Bollinger Bands have been used for decades and remain a valuable technical indicator.
The Kairi Relative Index is a technical analysis indicator used to indicate potential buy and sell points based on overbought or oversold conditions. The next data point drops the earliest price, adds the price on day 21 and takes the average, and so on. Next, the standard deviation of the security price will be obtained.
Notice how BandWidth remained at low levels as the consolidation extended. A bullish signal triggered with the breakout in July 2007. BandWidth also rose as prices moved sharply in one direction and Bollinger Bands widened. This line marks 8, which is deemed relatively low based on the historical range.
Conversely, the wider apart the bands move, the more likely the chance of a decrease in volatility and the greater the possibility of exiting a trade. The bands do not indicate when the change may take place or in which direction the price could move. Bollinger’s Bandwith Indicator is used to warn of changes in volatility. As we know from using Bollinger Bands, a squeeze where the bands converge into a narrow neck often precedes a rapid rise in volatility. A Bollinger Band squeeze is highlighted by a fall in the Band Width indicator to below 2.0%.
Bollinger Bands formula is simple:
The Bollinger Bandwidth is a relatively easy indicator to calculate. Here, for first, you need to calculate the simple moving average of the asset. After this, you can calculate the positive and negative standard deviations of the asset. Also, the use of 20-day SMA and 2 standard deviations is a bit arbitrary and may not work for everyone in every situation. Traders should adjust their SMA and standard deviation assumptions accordingly and monitor them.
You know the middle line of the Bollinger Bands is simply a 20-period moving average . If you’re a new trader, it can be difficult to identify the volatility of the markets. Because in trending markets, the market can remain “cheap” or “expensive” for a long period of time. And if the is price near the lower Bollinger Band, it’s considered “cheap” because it’s 2 standard deviation below the average.
Most forex traders are trend traders and follow the trend using… Pivot points are an excellent leading indicator in technical analysis. W-Bottoms and M-Tops were part of Arthur Merrill’s work that identifies 16 patterns with a basic W-Pattern and M-Pattern, respectively. Bollinger Bands use W patterns to identify W-Bottoms when the second low is lower than the first low but holds above the lower band.
To make a conclusion, it would be wise to adjust the Bollinger bands for the asset you trade. If the price crosses the upper or the lower band too often, it’s necessary to increase the period. If the price rarely reaches the outer bands, there’s a sense to reduce the period. I think it will be highly beneficial for all who will obey pros and cons of rules of the bollinger band strategy. An accumulation stage is a range market within a downtrend, where you can identify resistance and support as price swings up and down within the accumulation.
In other words, the width of the bands is equal to 10% of the middle band. Even though this level seems high, it is actually quite low for ALK. With the stock around 15-16, BandWidth was less than 10% and at its lowest level in over a year.
Watching the bollinger bands bandwidth behave like this, a trader may wonder if the stock is in a new uptrend, or if it has met its resistance. Bollinger Bands can be used to determine how strongly an asset is falling and when it is potentially reversing to an upside trend. In a strong downtrend, the price will run along the lower band, and this shows that selling activity remains strong. But if the price fails to touch or move along the lower band, it is an indication that the downtrend may be losing momentum.
- While Bollinger Bandwidth is a good indicator to use, there are difficulties when it comes to use it in the market.
- John Bollinger has a set of 22 rules to follow when using the bands as a trading system.
- The contraction or expansion of the trading bands signals volatility and potential price movement.
- I have many years of experience in the forex industry having reviewed thousands of forex robots, brokers, strategies, courses and more.
It occurs when a reaction low forms close to or below the lower band. One of the most well-known theories in regards to Bollinger Bands is that volatility typically fluctuates between periods of expansion and contraction . With this in mind, the major trading signal generated by Bollinger Bands Width is known as The Squeeze. In this video, you’ll see BBW applied to a trend-following strategy, simply buying an asset when its price trend goes up and selling when its price trend goes down. The difference between the two bands can then be used as a filter for market entries; a narrowing of the width between the two bands is a condition for entry. Phases of flat calm, where volatility is very low, are usually believed to be followed by sudden movements that indicate a volatility explosion.
Before we dive into the strategies, let’s first discuss the indicator. Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in oureditorial policy. When the price continually touches the upper Bollinger Band, it can indicate an overbought signal.
The https://trading-market.org/ Bandwidth indicator doesn’t offer further trade support, so traders have to use other tools to confirm when to buy and sell. Bollinger Band is a technical analysis indicator designed to provide investors with insights to discover oversold and undersold assets. Or you can also use it to trade market reversals after the Bollinger Bands expand, which shows the increase in volatility of the market. If the price comes to a key market structure like support resistance and then forms a price rejection, that’s a possible opportunity for you to take a reversal trade.
However, traders use the two indicators in a different manner. For example, there are those who use Bollinger Bands in trend-following and those who use it to find reversals. This happens by looking at where the price is in relation to the Bollinger Bands indicator.
- When the indicator reflects low volatility, traders expect the price to gain momentum in the near future.
- A middle band, which is a Simple Moving Average, as well as upper and lower bands which are spaced off the middle band.
- John bought one of the first mini-computers to increase efficiency of his work.
- If the bands are sideways i place my take profit a few points below the upper band.
False signals are common when using the Bollinger Bandwidth indicator independently, without the support of any other technical indicators or fundamental analysis. Identify major resistance levels on the Bollinger bandwidth indicator to avoid dealing with false market movements. Identify key support levels on the Bollinger bandwidth indicator to avoid dealing with false market movements.
Many new traders think they need more indicators to be a consistently profitable trader. Usually, all three signals are combined and used in one trading strategy. When the bands squeeze together, it usually means that a breakout is getting ready to happen. If you’re freaking out because you’re not familiar with standard deviations. Because Bollinger Bands measure volatility, the bands adjust automatically to changing market conditions. Bollinger Bandwidth is used to identify the squeeze, which is a consolidation period of price, after which the price then breaks out in a particular direction.
As a result, in a strong uptrend, consider looking for buying opportunities at the middle band. If the uptrend is not so strong, corrections may be deeper and reach the lower BB. In a strong downtrend, look for selling opportunities at the middle BB. If the downtrend is not so strong, retracements may take the price up to the upper BB. Usually, when the price goes beyond the outer Bollinger band, it signals the start or continuation of a trend.
|
economics
|
http://www.pmf.org.uk/pag_news_archive_youth.php
| 2016-10-23T06:22:27 |
s3://commoncrawl/crawl-data/CC-MAIN-2016-44/segments/1476988719155.26/warc/CC-MAIN-20161020183839-00219-ip-10-171-6-4.ec2.internal.warc.gz
| 0.965525 | 358 |
CC-MAIN-2016-44
|
webtext-fineweb__CC-MAIN-2016-44__0__161764502
|
en
|
Professor Peter Tufano took up his post on 1 July 2011 as the Peter Moores Dean of Oxford's Saïd Business School.
Professor Hamilton, Vice Chancellor of the University of Oxford, commented:
‘To have such an eminent financial specialist and business school leader join us from Harvard is a great pleasure.
Peter has an outstanding academic reputation and a strong record of forging collaborations within a world-class University and beyond. These achievements, combined with his impressive teaching experience and commitment to use rigorous business research to improve business and regulatory practice, make him the ideal person to lead the School.’
Professor Tufano said:
‘I am thrilled to be asked to lead the Saïd Business School and to be joining the Oxford community. Society faces many problems today, and business, as the economic engine of society, has a critical and constructive role to play in addressing many of them. The world looks to leading business schools for innovative ideas that inform action, and for well-trained and principled graduates.
Saïd Business School - a young, entrepreneurial school within one of the world’s finest Universities - is well positioned to excel on both of these dimensions.
The School has been extraordinarily successful since it was established in 1996: it has a very highly-regarded undergraduate programme, one of the top MBA programmes in the UK which attracts people from all over the world, and a well-established and innovative suite of programmes for executives. It is served by an outstanding faculty, and attracts some of the most able and committed students internationally. I am greatly looking forward to building upon this success, working with my new colleagues at the School and in the broader University to produce powerful ideas and outstanding graduates to strengthen both business and society.’
|
economics
|
https://bilskyfinancialgroup.com/business-personal-property-renditions/
| 2021-08-03T23:05:55 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046154486.47/warc/CC-MAIN-20210803222541-20210804012541-00242.warc.gz
| 0.955983 | 259 |
CC-MAIN-2021-31
|
webtext-fineweb__CC-MAIN-2021-31__0__44905338
|
en
|
If you own a business, filing personal property taxes is a legal requirement that often requires a lot of time and due diligence. Each state has its own set of rules and regulations, making it helpful to retain a professional consultant who is familiar with local tax laws. It can be extremely time consuming and costly to use internal sources for these services. Outsourcing your business personal property taxes is the perfect solution as it will save you time and money in the long run.
Business personal property is considered any item owned and used for your business. Examples of this include:
Why should you outsource?
Many jurisdictions require you to report and account for fixed assets and inventory on an annual basis for taxation. Compliance with this reporting can be time-intensive and it requires a full understanding of which assets are taxable and which are not, helping to prevent the over or under-reporting of assets. With the overwhelming amount of forms, exemption applications, abatements, depreciation schedules, tax codes, and deadlines, compliance can become a heavy burden on many business owners.
Ready to Make an Appointment?
Contact our office at (469) 567-3017 or fill out an appointment request form to speak with a member of our team and discuss our business personal property renditions services, today!
|
economics
|
http://ecocapacityexchange.com/industries/create-interest-free-capex-financing/
| 2024-04-14T18:11:09 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816893.19/warc/CC-MAIN-20240414161724-20240414191724-00415.warc.gz
| 0.944739 | 313 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__2622062
|
en
|
AirlineCo is an investment grade multinational and one of the world’s largest global airlines. It is embarking on an ambitious fleet modernisation and expansion programme but has concerns about cost of financing. One hundred wide-body aircraft are on order, worth in the region of US $15 billion dollars. Approximately half of these will be delivered by one of the two leading global manufacturers, AirframeMakerCo.
AirlineCo utilises a variety of methods to finance the acquisition of its aircraft including cash reserves, bank loans, capital market instrument and leases. AirlineCo is actively seeking the lowest cost source of financing for this major capital expenditure.
Because AirlineCo represents a significant portion of AirframeMakerCo’s order book, it is keen to strengthen its partnership with AirlineCo. AirframeMakerCo is willing to consider innovative customer financing solutions, provided there is a net economic benefit.
Given its investment grade credit status, AirlineCo is eligible for an ECO equivalent US $2.0 billion zero interest loan from the ECOWorld Alliance, which it uses to pay AirframeMakerCo for 12 of the wide-body aircraft.
AirlineCo reduced its cost of capital through its 0% interest loan, diversifying its source of funding and conserving cash on its balance sheet. This was achieved without adversely impact its credit rating because outstanding ECO loans are not considered financial indebtedness.
* For simplicity, ECO & US$ are considered parity in this example.
|
economics
|
http://pay-day-loans-now-uk.payday-loans-advance.com/
| 2017-10-18T07:32:25 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187822822.66/warc/CC-MAIN-20171018070528-20171018090528-00233.warc.gz
| 0.9353 | 788 |
CC-MAIN-2017-43
|
webtext-fineweb__CC-MAIN-2017-43__0__57095937
|
en
|
- Secure and Safe
- Fast Lender-Approval
- Go Paperless
Skip driving and long lines in the store.
Online approvals processed.
You may not need to leave your home to get a payday loan Skip the driving and long wait time.
We partner with 100+ approved lenders. We can get you connected with one of them!
When you are redirected to a lender’s website, review the lender’s terms and approve the terms if you are satisfied.
Are you experiencing money problems?
Do you just need a small advance against your pay to tide you over?
Do you need cash for an unexpected expense?
Then a payday loan can be the solution you are looking for.
What Are You Waiting For?
We pride ourselves on our speed to connect you with a lender. In most cases, submitting your information through our site may only take a few minutes of your time. After your information is submitted, you will be redirected to the lender’s website to review the terms of the loan, and if accepted, the funds will be deposited directly into your bank account!
Our service is completely FREE to you! Our company does not provide cash loans – we are here to connect you with 1 of our 100+ partnered lenders.
Short on cash? Caught between paychecks? We can help!
Searching for Pay Day Loans Now Uk. Need to have around $200-$1000 within Fast Moment?. No Faxing & Poor credit Alright. Fast Online Authorization. Implement forFast Money This evening.
Pay Day Loans Now Uk, Then, you will need to sit down and draft instructions asking the credit rating reporting bureau to substantiate the items you located. So having a favorable credit score is obviously beneficial. If you use a score of 760 or over then you happen to be in good standing already and you might already experience exactly the same benefits that people with perfects scores have a. They advertise free reports, but charge an upfront fee. Legal repercussions will set you back a wide range of money, and you also could head to jail. Familiarize yourself with new notices and help clients better understand their credit. Loans for a bad credit score are the answer with the bad creditor prayer s. Keep managing your credit wisely and you might have lots of financial opportunities inside future. Remember that you happen to be entitled to take delivery of your credit standing once per year from any on the major credit scoring agencies. It is usually a cost effective strategy to help your credit standing from further problems. That said, a number of them will still lend for you in certain situations. This is because this company that manages FICO score has mentioned that it's going to pay no attention to all or any inquiries created in 30 days just before scoring. It will not matter how trustworthy and honorable you happen to be, problems of life and also the problems of your arduous economy can impact you. Repossessions and bankruptcies damages your score and earn it less likely to secure a loan from the future. Know the amount of you earn and where it's so that the bill never surprises you. While high interest levels are intimidating muscle strength, it may be the cycle of loan borrowing that's the most detrimental to those who utilize these services. There may also be no monthly rentals essential to be compensated for using the prepaid providers of an cell cellphone company. It also amended that Mortgage lending companies offer a clear credit standing open for individuals see upon request to prevent issues regarding low credit history. High balances: Your utilization rate accounts for 30% of your respective FICO score. Apply for Alaska, California, Delaware, Georgia, Hawaii, Idaho, Kansas, Maine, Maryland, Michigan, Mississippi, Missouri, New Mexico, North Carolina, Ohio, Oregon, Rhode Island, South Dakota, Texas, Utah,Virginia, Wisconsin, Wyoming. Pay Day Loans Now Uk
|
economics
|
https://www.civicduty.org/big-charities-right/?mode=grid
| 2024-02-24T00:22:47 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474470.37/warc/CC-MAIN-20240223221041-20240224011041-00216.warc.gz
| 0.94647 | 673 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__66927738
|
en
|
Julian Omidi is a philanthropist and social activist for many charitable causes. In today’s article, Julian takes a look at the five largest charitable organizations in the U.S. and discusses why each has been so successful.
There are thousands of charities out there competing for our donations of time and money, and numerous ways to ferret out the efficient, honest organizations from the others. That subject might be a focus of a future discussion on these pages. Today, I want to look at the biggest, best, most successful charitable entities in the U.S. These giant organizations can teach us much about how to raise money for our own causes.
Follow the leader
In any industry, even the nonprofit sector, the leaders are in that position for a reason. With charities, the top dogs know how to get the job done, how to raise funds, build donor lists, enlist volunteers, foster smart growth and serve their public. A recent study by Forbes Magazine (http://www.forbes.com/top-charities/) listed the 50 largest charities, using factors like total revenue, private support and fundraising efficiency as measuring sticks. You have almost certainly heard of the top five, and maybe all 50. What is it about each that catapulted them to the top of the philanthropy sector? What makes a good nonprofit? Let’s see if we can find a pattern by perusing the top five, shall we?
1. The United Way
The key to this organization’s success is wide appeal and extremely efficient fundraising. United Way raised nearly $4 billion last year through payroll deductions.
2. The Salvation Army
Essentially a church, SA is best known, and beloved, for delivering essential social services to some of the nation’s poorest citizens. Last year they raised slightly more than $2 billion, primarily through public solicitations at malls and department stores.
3. Feeding America
The Chicago-based, national food bank entity is nearing the $2 billion annual revenue level. Interestingly, most of its gifts are in the form of donated foodstuffs.
4. Task Force for Global Health
TFGH operates like a food bank but collects medicines instead. Those gifts are distributed to needy people all over the world. Last year TFGH took in about $1.5 billion in donated money and medicines.
5. American National Red Cross (not to be confused with the international organization)
The Red Cross raised $1.08 billion last year, which marked a 57 percent increase from the prior annual measurement. Whenever disaster strikes, the Red Cross is there. This organization is one of the best known charities in the world.
All the top five charities are efficient at using funds, serve a wide demographic and do a decent amount of advertising to get their message out. Most importantly, they tenaciously stick to their original goals. Smaller nonprofits could do well to abide by these general guidelines.
So, for those of you who are thinking about starting a charitable organization to assist a favorite cause, remember to stick to your dream, spend wisely and make a name for your nonprofit, at least within your own community. It’s always a good idea to set aside some of your donations for advertising purposes.
Be good to each other,
|
economics
|
https://allsoulsshreveport.org/site/2023/11/04/food-bank-of-northwest-louisiana-november-2023-give-away-the-plate-recipient/
| 2024-04-22T22:18:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818374.84/warc/CC-MAIN-20240422211055-20240423001055-00088.warc.gz
| 0.914444 | 423 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__17109938
|
en
|
Each month we dedicate all of our non-pledge income to an organization doing the work that best embodies our Unitarian Universalist principles and values.
For the month of November 2023, we choose the Food Bank of Northwest Louisiana.
In this month when so many people will celebrate a bounty of food on their tables, we want to extend that possibility to many more in our community who struggle to keep food in the house.
The mission of the Food Bank of Northwest Louisiana is to serve as the primary resource for fighting hunger in Northwest Louisiana.
They do this in a number of ways:
- Facilitating distribution of food from multiple centers throughout our community
- Providing most of the food for the weekly Highland Blessing Dinner (helping that event to stretch their budget much further)
Every $10 donated to the food bank can provide $100 worth of food to hungry people — so let’s multiply our power together and give generously.
Two ways to donate:
Online — Go to our donation site using this link. If you are paying your pledge, select “2023 Pledges” and enter that amount for your pledge contribution. Then select “Collection Plate” to give the amount you would like to give to the Food Bank of Northwest Louisiana and then put “GATP NOV 2023” or “Food Bank of NW Louisiana” in the comment section. All online collection plate contributions for the month of November 2023 will go to the Food Bank of Northwest Louisiana.
Offline — Please send your give away the plate contribution checks to All Souls Unitarian Universalist Church, 9449 Ellerbe Road, Shreveport LA 71106. Please put “Food Bank of NW Louisiana” on the memo line of the check if you want to have 100% of your check go to the Food Bank of Northwest Louisiana. If you want less than 100% of your check to go to the Food Bank of Northwest Louisiana, please put the amount you want going to the Food Bank of Northwest Louisiana on the memo line.
|
economics
|
https://pppwu.org/about-pppwu-union/
| 2023-12-09T15:18:49 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100912.91/warc/CC-MAIN-20231209134916-20231209164916-00202.warc.gz
| 0.958121 | 330 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__165787374
|
en
|
Printing Packaging & Production Workers Union of North America (PPPWU)
PPPWU represents workers in all craft and skill areas in printing including newspapers, magazines, catalogs, books, high-end commercial print, plastics for the food and medical industry, packaging including corrugated box and paper food containers, metal cans for food and industrial liquids, engraving and gravure for flooring and wallpaper, credit cards, government employees who print US and Foreign currency, passports and secure ID’s.
We have members throughout the United States and Canada.
Why the PPPWU?
The PPPWU fights for workers’ rights and benefits.
The PPPWU provides workers with a powerful, collective voice to communicate with management – there is strength in unity.
The Printing Packaging & Production Workers Union of North America pledges to work for our Members to ensure that you have the best contracts in place so that you and your families can enjoy security and prosperity from the fruits of your labor. This is best accomplished by having experienced representation from your existing Locals and District Councils and from Officers, Board Members, and Representatives with decades of experience working and representing workers in your industry.
Given the state of work in our current world, we believe that people must unite to obtain the full reward of their labor. We believe it is a natural right of working people to enjoy the wealth created by their labor to the full extent. And that workers should exercise their rights cooperatively and economically for the benefit of all people. Regardless of your specific needs, the union is here to help.
|
economics
|
https://imaginationforsale.wordpress.com/2019/07/12/astarforcarrie-origin-story/
| 2023-03-20T18:28:20 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943555.25/warc/CC-MAIN-20230320175948-20230320205948-00508.warc.gz
| 0.944568 | 446 |
CC-MAIN-2023-14
|
webtext-fineweb__CC-MAIN-2023-14__0__20110230
|
en
|
Cosplay for Tips Leads to a Crusade
I moved to Hollywood from Virginia in May 2019 to start Imagination for Sale, LLC because I believe in creating Art with a capital A… which requires Capital.
Short on cash and in possession of a Princess Leia costume, I decided to try out the “cosplay for tips” gig in Hollywood Square. I had fun, got some tips for pictures, and found out Carrie doesn’t have a star.
A crusade was born in my mind.
I took every dollar I earned that day, bought ramen noodles, poster-board, markers, and a clipboard at the 99 cent store on La Brea.
The next day, I showed up with a sign and a petition and I haven’t stopped since.
I collected 62 signatures on my first day.
I created a spreadsheet, cataloging expenses, time spent, and signatures collected. I started an online petition, a crowdfunding page, and posted a blog explaining the project.
I collected 312 signatures the second day.
I needed a job, so I made one.
The cost of living in Los Angeles is ridiculous and it’s no wonder Hollywood Square is full of street performers, cosplayers, and vendors 365 days a year. A lot of those people are out there every day, trying to eke out a living in this extraordinarily expensive city.
Weird Al’s fans managed to raise the funds for his Star on the Walk of Fame, but I don’t want to wait over a decade, so I made this project my full-time job.
Based on national averages for costumed performers, sidewalk petitioners, and social media marketers vs. my skills and experience, I came up with a fair wage, considering I’m doing all three of those jobs at once.
Throw me a chainsaw, maybe I can juggle too! (Please do not, maybe start with a feather…)
I am giving other creative people the chance to earn a living wage while making a difference!
Check out my Nonprofit Startup page!
Please Donate to keep #AStarForCarrie going!
|
economics
|
http://www.aykasa.dk/about-us
| 2020-06-02T17:36:40 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347425481.58/warc/CC-MAIN-20200602162157-20200602192157-00236.warc.gz
| 0.939073 | 127 |
CC-MAIN-2020-24
|
webtext-fineweb__CC-MAIN-2020-24__0__177639767
|
en
|
We are worldwide distributor of the colourful folding crates from Aykasa. Our warehouse is located in Denmark and we work closely together with transporters UPS, GLS, DB Schenker & DSV.
Today we supply stores in the following countries:
Austria, Czech Republic, Denmark, Germany, Great Britain, Finland, France, Island, Italy, Luxembourg, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland and the United Arab Emirates.
If your shop is located in a country not on the list above, e-mail us anyway - we can for sure supply you.
|
economics
|
https://www.letsrecast.ai/affiliate
| 2024-04-17T09:56:30 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817146.37/warc/CC-MAIN-20240417075330-20240417105330-00323.warc.gz
| 0.941628 | 530 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__51956285
|
en
|
How does the Recast Affiliate Program work?
The Recast Affiliate Program allows you to earn a commission of 15% for every paid signup you refer during the first three months. Simply sign up for the program, receive your unique affiliate link, and share it with your audience. You earn a commission when someone signs up for Recast through your link and becomes a paying customer.
Is it free to join the Recast Affiliate Program?
Yes, joining our Affiliate Program is absolutely free. There are no upfront costs or hidden fees.
How do I get started with the Recast Affiliate Program?
Getting started is easy:
• Sign up for the Recast Affiliate Program.
• Receive your unique affiliate link.
• Share your link with your audience.
• Earn a commission for every paid signup within their first three months.
How are referrals tracked?
You can track everything on your affiliate dashboard. When someone clicks on your link and becomes a paying Recast customer, the sale is attributed to you, and you earn your commission.
When and how do I receive my commissions?
Commissions are paid out every month. You'll receive your earnings via your preferred payment method, including Wise or PayPal.
Is there a minimum payout threshold?
Yes, there is a minimum payout threshold. You'll receive your commissions once you reach the minimum payout amount, ensuring your earnings are efficiently processed.
Can I track my referrals and earnings in real time?
Absolutely! Our affiliate dashboard provides real-time tracking of your referrals, clicks, and earnings. You can access this dashboard at any time to monitor your progress.
Is there marketing support for affiliates?
Yes, we provide marketing materials, resources, and support to help you succeed as a Recast affiliate. Our team is here to assist you in any way we can. Just email us at [email protected]
How can I contact the Recast Affiliate Program support team?
If you have any questions or concerns or need assistance, please contact our dedicated affiliate support team at [email protected]. We're here to help you every step of the way.
Can I refer other affiliates to the program?
At the moment, our program focuses on referring customers to Recast. However, we're continuously exploring opportunities to expand our affiliate program, so stay tuned for updates.
If you have any additional questions or require further assistance, please don't hesitate to contact our affiliate support team. We're here to ensure your success with the Recast Affiliate Program!
|
economics
|
http://www.nortox.com.br/institutional.php
| 2015-03-30T04:24:50 |
s3://commoncrawl/crawl-data/CC-MAIN-2015-14/segments/1427131299054.80/warc/CC-MAIN-20150323172139-00221-ip-10-168-14-71.ec2.internal.warc.gz
| 0.94357 | 790 |
CC-MAIN-2015-14
|
webtext-fineweb__CC-MAIN-2015-14__0__175737732
|
en
|
More than 50 years committed to agriculture, this genuine Brazilian company offers top quality agricultural products and services, providing safe and competitive solutions to Brazilian agriculture and cattle raising treatment, making healthier food available to consumers.
In all Nortox industrial units, the company goes beyond legal requirements, investing constantly in equipment and technology, to guarantee adequate treatment of industrial effluents. Another example of this priority is the maintenance of a forest reserve with more than 700.000 m2 of Northern Paraná native species, at the plant in Arapongas.
Nortox S.A. was founded on April 14, 1954, in Apucarana - PR.
It started its operations as an industry for the formulation of powder insecticide to fight coffee borer, in a time when coffee plantations were one of the main sources of wealth in Brazil, covering an area from the Old Pioneer Paraná to the margins of the Paraná River.
In the early 1960's, Nortox entered the market of insecticides for cotton crops. In 1966, it became a business corporation with national capital. Still in this decade, due to the need to expand and diversify its production line, the company moved to Arapongas, District of Aricanduva, where its modern industrial unit was built.
The company started in the herbicides business in 1972, when the market for this product began to grow. A short time after, Nortox began to synthesize the Trifluralin herbicide, and, little by little, created other units for the production of intermediaries required for its manufacturing. For this purpose, it developed the technology for amination, chloration, nitration, and fluoring. In the following years, the industry set off the production of technical and formulated Alachlor, Dimethoato and Diuron.
The 1980's was marked by great changes in agriculture. Non-tillage became possible when, in 1983, Nortox, in a pioneering operation, started to produce the Glifosate herbicide. As a consequence, the price of Glifosate lowered significantly and non-tillage was adopted all over Brazil.
In the 1990's, a change took place in the business scenario: business mergers, an increased number of multinational agrochemical companies, the import of active ingredients, and the end of some national production lines. Nortox defines a new strategic plan and takes a reverse path, expanding its line of products and synthesizing new molecules in Brazil, focused on crops the company had a vocation for.
During this decade, Nortox maintained i´s growth rate following the brasilian agribusiness growth, Nortox has reaffirmed its commitment to Brazilian agriculture by setting up another industrial unit in Rondonópolis-MT. This commitment has involved the production of basic inputs to Brazilian agriculture. Nortox Centro-Oeste is located in an area of 42.000 m2, and has created more than 150 jobs and produced 70.000.000 litters/kg of agrochemicals per year.
Result: today, Nortox is the largest national agrochemical company competing successfully with multinationals from the same sector.
Along with the growth of the Brazilian agribusiness, Nortox has reaffirmed its commitment to Brazilian agriculture by setting up another industrial unit in Rondonópolis - MT. This commitment has involved the production of basics inputs to Brazilian agriculture.
Nortox Centro-Oeste is located in an area of 42.000 m2, and has created more than 150 jobs and produced 70.000.000 litters/kg of agrochemicals per year.
Arapongas 43-3274-8585 - Rondonópolis 66-3439-3700
© Nortox SA. Todos os direitos reservados.
|
economics
|
http://www.ironroadlimited.com.au/about-us/suppliers
| 2017-04-30T18:32:33 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917125841.92/warc/CC-MAIN-20170423031205-00291-ip-10-145-167-34.ec2.internal.warc.gz
| 0.929873 | 270 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__77642488
|
en
|
To enquire about opportunities to participate in any Iron Road Limited projects please email your company brief and company information through the “contact us” link on the home page
To protect both Iron Road Limited and its suppliers, the company's purchasing policy requires that a purchase order must be issued to a supplier before any commitment to purchase goods or services is approved and before a supplier commences any work.
If you have been asked to provide goods or services to Iron Road Limited and have not received a purchase order for those goods or services, please request a purchase order before commencing any work.
When Iron Road Limited issues a purchase order to a supplier, it will state on the purchase order whether the purchase order has been issued under the terms and conditions of a contract between the supplier and Iron Road Limited, or is subject to Iron Road Limited standard Purchasing Terms and Conditions.
Invoicing and payment
To facilitate payment, suppliers must quote the relevant purchase order or contract number on all invoices. Payment may be delayed for invoices that do not reference a purchase order or contract number, or reference an incorrect or invalid purchase order or contract number.
Invoices should be sent to:
GPO Box 1164 Adelaide SA 5001
The company's standard payment terms for suppliers are 30 days from receipt of invoice.
|
economics
|
http://oursilverribbon.org/?p=208
| 2020-10-25T02:33:28 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107885126.36/warc/CC-MAIN-20201025012538-20201025042538-00585.warc.gz
| 0.958947 | 535 |
CC-MAIN-2020-45
|
webtext-fineweb__CC-MAIN-2020-45__0__52914949
|
en
|
The House leadership continues to harm women’s health by restricting women’s access to reproductive health services. Tomorrow they’re going even further by bringing up H.R. 3 to the floor for a vote, a bill that places dangerous restrictions on insurance coverage for abortion.
H.R. 3 is a dangerous and extreme bill that threatens women’s health by aiming to deny access to health insurance that includes coverage for abortion services, whether that insurance is public or private. The bill catapults from the fact that the federal government provides a tax break on most employer-provided health insurance most women rely on, to assert that the government can dictate that this workplace-based insurance cannot cover abortion.
HR 3 allows no health exception: it would leave women whose health is seriously threatened by their pregnancies without access to the care their doctors recommend to protect their health. This would especially endanger the health of underserved women and those with greater health care needs. Women with illnesses like cancer and heart disease sometimes face severe, permanent health damage if they don’t have access to abortion care.
H.R. 3 would invite an unprecedented, radical level of government intrusion into deeply private and personal health care decisions. While there is an exception in cases of rape or incest, incredibly, a rape or incest survivor seeking to include the cost of an abortion in her medical expense deductions or to use tax-advantaged savings to pay for the service could have to provide evidence of the rape or incest in the event of an IRS audit in order to prove herself eligible under longstanding exceptions for those circumstances. Clearly this level of government intrusiveness into an individual’s private and personal life is unacceptable.
The legislation would also codify harmful riders that deny women access to abortion care, including the recently reinstated interference with the District of Columbia’s use of its own local funds and the restriction on federal Medicaid, both of which disproportionately affect women of color and low-income women.
By banning abortion coverage for millions of women in the new health exchanges and imposing tax penalties on small businesses that offer comprehensive insurance plans, H.R. 3 would rob women of insurance coverage for abortion. According to the Congress’ Joint Committee on Taxation, the bill would likely take away health insurance coverage that women have today and would impose new tax penalties on millions of families and small businesses.
Contact Congress or Call 888-907-9762 TODAY and tell your Representative to oppose this harmful bill and protect women’s health.
Wear your Silver Ribbon and show that you Trust Women to make essential choices about our lives and our health!
|
economics
|
https://selcukbayhanltd.com/exclusive-agent-agreement-model/
| 2024-04-22T09:11:32 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818105.48/warc/CC-MAIN-20240422082202-20240422112202-00086.warc.gz
| 0.952037 | 551 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__42116614
|
en
|
The exclusive agent agreement model is a contractual agreement between a company and an exclusive agent. This agreement allows the exclusive agent to represent the company in a particular area or region. The exclusive agent is granted the sole right to sell and distribute the company`s products or services within their designated area. This agreement is mutually beneficial for both parties as it helps the company secure its market share while giving the exclusive agent a lucrative business opportunity.
Benefits of Exclusive Agent Agreement Model
The exclusive agent agreement model has several advantages for both the company and the agent, including:
1. Increased Market Share: By partnering with an exclusive agent, the company can increase its market share in a particular region. The exclusive agent`s local knowledge and expertise can help the company develop and implement a successful marketing strategy, thereby increasing sales and revenue.
2. Focused Market Penetration: The exclusive agent agreement model allows the company to focus on a specific market and develop a strategy to penetrate it. This ensures that the company`s products or services are marketed to the right audience, increasing the chances of success.
3. Reduced Costs: The exclusive agent agreement model can help the company reduce costs associated with marketing and sales. By partnering with an exclusive agent, the company can save on advertising costs and other expenses related to market entry.
4. Better Customer Service: The exclusive agent`s local knowledge and expertise can help the company provide better customer service to its clients. The agent can provide personalized service and ensure that the company`s products or services are tailored to meet the needs of the local market.
Challenges of Exclusive Agent Agreement Model
While the exclusive agent agreement model has many benefits, it also has a few challenges that need to be addressed. These challenges include:
1. Limited Control: The company may have limited control over the exclusive agent`s activities, which may impact the quality of service and customer satisfaction.
2. Contractual Obligations: The company may be bound by contractual obligations that restrict its ability to sell its products or services in the designated area.
3. Competition: The exclusive agent agreement model may not work in highly competitive markets where the competition is fierce, and the market share is already saturated.
In conclusion, the exclusive agent agreement model is an effective strategy for companies looking to expand their market share in a specific region. By partnering with an exclusive agent, the company can benefit from the agent`s local knowledge and expertise while reducing costs associated with market entry. However, companies need to address the challenges associated with this model to ensure its success. Overall, the exclusive agent agreement model is a mutually beneficial agreement that can help companies achieve their business objectives and build long-term relationships with their partners.
|
economics
|
https://www.arc.tech/encyclopedia
| 2023-12-01T19:59:19 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100304.52/warc/CC-MAIN-20231201183432-20231201213432-00074.warc.gz
| 0.959352 | 22,681 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__308035545
|
en
|
The Startup Encyclopedia
Browse our end-to-end glossary designed to help you better understand the startup landscape.
Startup accelerators are typically fixed-term and cohort-based programs that include a wide range of benefits including: educational sessions, access to legal, financial, go-to-market, engineering and other resources, discounted technology subscriptions (AWS, Google Ads, MailChimp…etc.) and mentorship. They are highly competitive, run for 6-8 weeks, are occasionally fee-free, and culminate in a public pitch event or demo day. Some of the most well-known accelerators include: YCombinator, 500 Startups, Angelpad, Techstars, GBeta, and Plug and Play.
An accredited investor is an individual who either:
- Has a net worth that exceeds $1 million (alone or with a spouse)
- Has earned an excess of $200,000 in each of the prior two years (or $300,000 together with a spouse or spousal equivalent), and reasonably expects the same for the current year.
Someone can also be considered “accredited” if they hold in good standing a Series 7, 65 or 82 license. Accredited investors can participate in venture capital, angel investments, real estate investment funds, private equity funds, hedge funds, and more.
While the criteria to become an accredited investor is very specific, there’s no standardized federal verification process. It’s up to each startup to verify the status of a potential investor, before allowing them to contribute to a round of funding.
Accrual accounting is the recognition of revenues and expenses when a transaction occurs rather than when the eventual payment is received. The method is in line with the matching principle, which requires revenues and expenses to be recognized in the same period in which they are incurred. The purpose of this form of accounting is to match revenues and expenses to the time period in which they were incurred, as opposed to the timing of the actual cash inflows and outflows related to them.
An administrative charge is a fee charged by a lender, bank, fund or other investment group for administering a new loan, line of credit, convertible note, and other financing vehicles to your business. Providers use this line item to cover the expenses related to record-keeping, filing and/or other administrative costs. It’s also referred to as an “administrative fee”.
The aggregate subscription amount is the total dollar amount of the pledged subscriptions under the subscriptions agreement. In other words, it is the gross amount of money that you receive from investors, funds, and groups from a stock, debt or options offering. It is calculated by multiplying the strike price per share by the number of shares purchased in the offering.
Amortization is the process of spreading out the payback of a loan into a series of fixed payments, over a fixed period of time. Upon receipt of the final payment in the payment schedule, the loan is considered “satisfied”, or “paid off”.
Whenever possible, request an Amortization Table to evaluate different loan options. Prior to selecting a plan, clarify if the rates in the amortization table include the additional fees related to the loan, such as: administrative fees, origination fees, preparation fees, processing fees…etc.
Ancillary documents, also known as supporting documents, are certificates, agreements, forms, and other written or recorded documentation that relate to a main document. They are typically used to verify and support a main document, such as your officer certificate (compliance certificate), secretary certificate, or board consent and shareholder consent document.
An angel group is a professional organization made up of individual angel investors who work together to identify and evaluate investment opportunities. When said opportunity is identified, they pull from the pooled funds to write a single check to the business.
The benefit of receiving funding from an angel group is that they typically have shared knowledge in the space and connections with industry operators. They also typically have connections to advisors and later stage investors, to whom they will likely introduce you.
Angel investors (angels) are typically accredited investors who use their own wealth to provide capital to startups and other small businesses in exchange for equity in the business. The check size usually ranges from $5,000-$150,000 for a 3-20% stake in the business. Angels have historically invested in startups at the idea-stage when it is pre-revenue.
Unlike an angel group, an angel syndicate is an informal group of accredited investors who can select to opt-in or out of individual investment opportunities. Each opportunity requires investors to write a new check, with which they pool together to invest (similar to crowdfunding).
The benefit from receiving funding from an angel syndicate, is that they typically are made up of individual operators who invest on the side vs a group of professional investors. Depending on your business model, these operators may introduce you to your first customers.
Annual recurring revenue, is a dollar figure that represents the normalized annual revenue that a company generates for providing a product or service. Used to determine the predictability of a businesses’ annual revenue, is typically applicable for companies that have a subscription component to their revenue model. Investors use a company’s ARR to quantify its growth, evaluate the success of the business model, forecast future revenues and provide revenue based financing.
Anti-dilution protection (also know as an anti-dilution clause, subscription right, subscription privilege, or preemptive right) is used by investors to protect their investment in the event of a down round, or a significant dilution event, such as the issuance of new shares for a round of equity financing, or the conversion of a convertible note. It is triggered when the strike price for a round is less than the strike price from the prior round. The two commonly known types of anti-dilution protection include: "full ratchet" and “partial ratchet/weighted average.”
An acqui-hire is the purchase of a company for their employees rather than their product/service. Acqui-hires are typically completed in tech startups due to the fierce competition for talent and the general lack of capital constraints—e.g. the going rate for an engineer is often more than $1 million. Google, Facebook, Apple, Twitter, Hubspot, and Dropbox are just a few of the large tech companies that have recently completed an acqui-hire.
An Arc Advance, also known as a merchant cash advance, or receivables financing, is a form of revenue based financing that enables startups to fund their growth, by converting future revenue into upfront capital. With an Arc Advance, startups can receive up to $50M in funding without debt or dilution, so they can accelerate their growth and extend their runway.
The Arc Card is a flexible corporate card for fast-growing companies. It comes with a simplified rewards program, unparalleled control and visibility, credit lines that grow with you, and a remarkably simple interface. With the Arc Card, best-in-class comes standard.
Arc Runway provides financial insights in minutes, so you can analyze your net cash burn and efficiently deploy your capital to maximize your runway. By leveraging the insights from Arc Runway, you can weather a changing macro environment, and maintain ownership, control and operating flexibility.
Arc Treasury is the software bank for SaaS startups with the scale, speed, and flexibility that you deserve. It's built on top of industry-leading rails, meaning you benefit from the latest tech without any of the traditional drawbacks. With Arc Treasury, you can onboard in minutes and access funding in just seconds.
“Asset Lite” refers to the amount of assets on a business's balance sheet. A business that is considered “asset lite” has little to no depreciating assets on their balance sheet. Businesses with an asset-lite business model typically delivers a better return on assets, lower profit volatility, and greater flexibility, compared to asset-heavy models. Examples of asset-lite businesses include: Airbnb, Uber, Lyft, Doordash, Instacart, and Postmastes.
The maximum number of shares that a company is allowed to issue, based on its articles of incorporation, is also known as its authorized shares. A company's outstanding shares can never exceed its number of authorized shares. The total number of a company's outstanding shares is the sum of the float (the number of shares actually available to trade) and the restricted shares (reserved for employee compensation and incentives).
The Automated Clearing House (ACH) is a standardized computer-network that facilitates the transfer of funds between tens of thousands of participating financial institutions. It consists of direct deposits and direct payments between businesses, governments, and consumers. The ACH system was designed to process payments in batches to reduce fees—which according to an article by Payments (“How Long Does an ACH Transfer Take?”) resulted in more than $55 trillion in transactions in 2019.
Bad debt is a term that describes loans and outstanding balances that are deemed uncollectible. They arise when a company is incapable of paying back debt, resulting in either delayed, reduced, or missing payments. These loans typically come with a high or variable interest rate and unfavorable terms.
As opposed to installment loans (or fully amortized loans) where all of the payment amounts are fixed, in a balloon payment, a lump sum is paid at the end of a loan's term. The final payment is significantly larger than all of the payments made before it, and as a result it is more risky so it often comes with a higher interest rate. The benefit is that the debtor has a lower initial payment, and typically lower ongoing monthly payments.
Bank reconciliation is the process of comparing a business’s bank balance to their books (e.g. their financial records). Differences between the records are reconciled, or adjusted/corrected, to make them align. This internal control is often used to prevent fraud.
Bargaining power refers to the relative ability of both parties in a negotiation to influence one another. In most negotiations, there is an inequality between the level of influence that both parties can exert, resulting in a one-sided compromise. However, in some cases, both parties have the same level of influence and thus they have equal bargaining power, resulting in a true compromise.
Benchmarking is the process of comparing the metrics, policies and procedures of an organization to other best-in-class industry participants. Benchmarking is often used by both internal and external parties of an organization. Here are two examples of benchmarking in practice:
- People Ops benchmark salary bands against companies in a similar industry, funding stage, and size to ensure their organization is in line with the competition.
- Investors benchmark the metrics of a potential opportunity to gauge its relative attractiveness.
You can benchmark your expenses to identify areas of overspend here.
The term bill of exchange, also known as a ‘commercial bill’, requires one party to pay a fixed sum of money to another party on demand or at a predetermined date. Bills of exchange typically involve three parties—the drawee (who pays back the sum), and the drawer (who lent and is repaid the sum).
Binding agreements are legal contracts that can be enforced at both the federal and state level. To be considered “binding” an agreement must meet the following criteria:
- Legality — The contract must align with all federal, state, and local laws.
- Consideration — The benefit that both parties receive from the agreement.
- Capacity — All parties must be in a position to legally sign the contract.
- Offer and acceptance — One party offers something and the other party must accept it.
- Mutuality — Both parties must have intentions to complete their obligations, and have an understanding that they will be bound by the contract.
The term “board of directors” refers to the group of individuals that oversee the strategy and management of an organization. They are typically elected by a vote, but can also be elected as a stipulation of their participation in a funding round. The bylaws of an organization generally outline the number of board members, the election process, and the meeting frequency.
Board rights refer to the set of abilities that each board member of an organization has. These rights can range from calling a board meeting, raising a discussion item and voting on it, to requesting and inspecting all of a company's financials, and approving future rounds of funding. The full list of board rights are outlined in the bylaws of an organization.
Bootstrapping refers to an operating model where a newly formed company, or startup takes on minimal capital, and instead grows by reinvesting its revenue. Bootstrapped companies often leverage other forms of non-dilutive financing, such as revenue based financing to accelerate their growth and extend their runway. Examples of bootstrapped companies include Dell Computers, Meta (formerly Facebook), Apple, Clorox, Coca Cola, and Hewlett-Packard.
The bottom up financial model, also known as “bottom-up forecasting” is a method of estimating future performance by starting with low-level data, such as a company’s average monthly sales volume, to build “up” to its projected revenue for the upcoming year. Button-up forecasting is the opposite of top-down forecasting which starts with the TAM of a business to estimate its projected revenue for the coming year.
Break even point refers to the level at which a company’s revenue equals its expenses. When a company’s expenses exceed its revenue, it experiences a loss (the monthly loss is known as its burn rate). Conversely, when a company’s revenue exceeds its expenses, it experiences a profit. Ultimately, the goal of any venture-backed startup is to reach and exceed its break even point.
A bridge loan is a type of short-term loan that is typically taken out for a period of 6 to 12 month for the purpose of “holding-over” a company until they can secure longer-term financing or they can receive significant cash inflows from a signed deal. Bridge loans do not come with extensions, so they are not preferred during periods of economic contraction.
A more founder-friendly alternative to a bridge loan, is revenue based financing, which enables a company to convert their future revenues into upfront capital.
Bullet loans, also referred to as balloon payment loans, come with lower monthly payments, a higher interest rate, and a required lump sum payment at the end of the loan's term. Sometimes, the monthly payment is interest only and does not apply towards the principal, resulting in the entire principal of the loan plus interest being due at the end of the loan term.
Bullet loans are most frequently utilized when a business expects to receive a large inflow of cash at some point in the near future, but they need cash today to continue operations. So they take out a bullet loan with a term that best fits their needs, and they pay it back when they receive said inflow.
While bullet loans can be useful for some circumstances, a more founder-friendly alternative is revenue based financing, which enables a company to convert their future revenues into upfront capital.
A company’s burn rate refers to the sum of its cash outflows and its cash inflows each month. During periods of economic expansion, a venture-backed startup’s burn rate is typically much higher than it is during periods of economic contraction. A company’s burn rate is used in conjunction with its growth rate to calculate its runway, here’s a helpful tool to calculate your runway.
When evaluating an opportunity, investors most frequently review its business fundamentals which can include its cash on hand, churn, burn rate, growth rate, and more. A business’s fundamentals vary based on its model, but they are always quantifiable and are almost always used to determine how it is performing.
Business fundamentals are also used by a company’s internal management team to evaluate the performance of each of the functional areas. E.g. marketing and sales can be evaluated based on their number of opportunities, closed-won deals, and cost-per-opportunity; customer experience can be evaluated based on the number of closed tickets and average net promoter score.
Business loans refer to any type of monetary exchange where capital is borrowed, with the expectation that it be paid back (often with interest) at an agreed upon point in time. There are many forms of business loans, including bullet loans, 7(a) Loans, 504 Loans, SBA Loans, Forgivable Loans, Term Loans, MicroLoans, and more.
Unlike business loans, revenue based financing (RBF) does not come with an interest rate, instead it typically comes with a discount rate. Company’s leverage RBF to convert their future revenues into upfront capital.
During a buyout, the majority share of a company’s ownership is acquired. By doing so, the acquiring company "buys out" the equity holders of the target company. A buyout is sometimes also known as a hostile takeover, if the buyout is against the wishes of the company's management team.
The “cap” on a convertible note outlines the maximum valuation at which the investment in the convertible note can convert into equity.
Capital gains are equivalent to the appreciation in an asset's value that is realized when it is sold—they apply to any type of asset, including investments and those purchased for personal use.
There are two forms of capital gains, short-term (which are held for one year or less before being sold) or long-term (held more than one year before being sold).
Capital growth is the appreciation in the value of an asset or investment over time. It is a percentage that is measured by subtracting the current value of an asset from its original purchase price, divided by the original price.
The term ‘capital under management’ refers to the amount of money that is available to invest by a fund, group or syndicate.
The cap table outlines all of the owners of a company, their equity percentage, equity dilution, and value of equity in each round of funding.
The term ‘cash advance’ refers to a lump sum payment that a company receives in exchange for making a series of fixed monthly payments in the future.
The cash flow statement is a financial statement that outlines all of the revenues and expenses of a company over a defined period of time.
The cash inflows of a business equal the excess of its revenues over its expenses.
The cash outflows of a business equal the excess of its expenses over its revenue.
The cash position of a company is equivalent to the amount of cash that it has on its books at a specific point in time.
The certificate of incorporation is a legal document that relates to the formation of a company.
The term ‘change in control’ relates to a contractual provision that gives a party certain rights (such as consent, payment or termination) in connection with a change in ownership or management of the other party.
The churn rate of a business refers to the percentage of its customers that have “churned” or ceased being a customer in a specified time period. The typical time period used to calculate a businesses churn rate is one month—enabling them to map it over time and identify trends.
The term ‘cliff vesting’ refers to the period of time in which a new employee must remain employed by the company in order to “unlock” a portion of their shares. The typical cliff for new stock-based compensation agreements is one year.
Collateral refers to any asset that is owned by a company, and is used to secure a loan or other debt-investment.
Common stock, like preferred stock, is a form of ownership in a company. Typically common stock is owned by employees and founders, while preferred stock is owned by investors.
Compliance costs are expenses that arise when a company adheres to regulatory requirements.
The term ‘condition precedent’ refers to the requirement in a deal for a condition or an event to occur before a right, claim, duty, or interest arises. If the condition precedent is not met, neither party is obligated to perform.
A contingency is a requirement of a deal, that if not satisfied results in the other party being released from its obligations.
A contingent liability provides coverage for losses to a third party for which the insured is vicariously liable. There are three types of contingent liabilities:
- Probable - can be reasonably estimated to occur (and must be reflected within financial statements).
- Possible - are as likely to occur as they are to not occur (and need only be disclosed in the financial statement footnotes)
- Remote - are extremely unlikely to occur (and do not need to be included in financial statements at all).
An amendment is a change that is made to a contract. It is mutually agreed to by both of the parties and is used to add or delete sections or phrases, or change sections or phrases within it. With an amendment, the original contract remains intact, with typically only minor adjustments.
Conversion rights give investors the right to convert their preferred stock into common stock in the business. There are two forms of conversion rights—optional and mandatory. Mandatory conversion rights force investors to convert their shares in an exit or liquidation event.
A convertible note is a debt vehicle used by early-stage investors to invest in a startup that doesn’t have a valuation—it starts as debt and transforms into equity upon certain milestones being achieved. The four main terms of a convertible note include its: interest rate, discount rate, maturity date, and valuation cap.
The term ‘convertible preferred stock’ refers to the class of shares that give the holder the right to convert their shares into a fixed number of common shares after a predetermined date.
A corporate bond is a form of debt issued by a company to raise capital. An investor who buys a corporate bond lends them money in exchange for a series of fixed interest payments.
The cost of capital refers to the expenses related to a company’s raised funding. For revenue based financing the cost of capital is straightforward, it’s a fixed dollar amount. For convertible debt vehicles, such as SAFEs or convertible notes and equity financing, the total cost of capital is much less straightforward, because it depends on the ultimate exit valuation of the business and the provisions contained in the agreement.
The term ‘covenant’ refers to the provisions in a debt agreement that protect lenders from borrowers defaulting on their obligations due to financial actions—when breached, covenants trigger compensatory and other legal actions. There are two forms of covenants: affirmative covenants and negative covenants—negative covenants force borrowers to refrain from certain actions that could result in their inability to repay existing debt; affirmative covenants force borrowers to perform specific actions or maintain certain balances.
A credit facility, also known as a line of credit, refers to the amount of debt capital available to a business. The longer the credit history, the larger the available credit facility is for the business.
The credit history of a business, also known as its repayment history, refers to its ability to repay its debts over time. The longer the period of consistent repayments, the better the credit history of a business appears.
A creditor is a wealthy individual or institution that issues credit (debt) to another company. Creditors typically require collateral or personal guarantees to issue loans.
The term ‘crowdfunding’ refers to a form of raising capital from a large group of individuals, typically through the internet. There are three types of crowdfunding including: donation-based, rewards-based, and equity crowdfunding. Unlike raising capital from traditional funds and groups, the individuals who provide capital via crowdfunding do not have to be accredited investors.
The term ‘cumulative dividends’ refers to the amount of required dividend payments that a company has agreed to pay to its preferred shareholders. Cumulative dividends must be paid, even if they are paid at a later date than originally stated.
The current assets of a company include all of the assets that a company reasonably expects to use or exhaust within one year, which may include: its cash, accounts receivable, and inventory.
The current liabilities of a company include all of the debts or obligations that a company expects to pay back to its creditors within one year, which may include its: accounts payable, short-term debt, dividends, and notes payable.
The amount of money that a company is willing to spend on converting a customer is called its ideal customer acquisition cost.
The term ‘customer lifetime value’ is a dollar figure that describes what a customer is worth to the company. The higher the LTV of a customer, the more a company is willing to pay to acquire them.
The term ‘deal lead’ refers to the investor or fund who leads the funding round of a startup and sets the terms on which the investment will happen.
Debt consolidation is the process of taking out one loan to pay off some portion of all the other loans that a company has. The new loan typically has more friendly repayment terms.
The term ‘debt financing’ refers to any financial product that involves the exchange of capital for a debt instrument, such as a loan, or convertible note.
The term ‘debt-to-equity’ refers to the relative ratio of a company’s liabilities to its shareholder equity—it is used to evaluate how much leverage a company is accessing. Company’s with a high debt-to-equity ratio carry a higher risk to shareholders.
The term ‘debtor’ refers to a company that is in debt to another company due to a financial arrangement, such as a loan or convertible debt product.
A loan is considered “in financial default” when it cannot reasonably be expected to be paid back, or when only the interest can be paid back (i.e. interest-only payments).
A loan is considered to be in a “technical default” when there is a failure to uphold an aspect of the loan terms (other than the regularly scheduled payments).
The term ‘depreciation’ refers to the relative drop in an asset's value, due to its decreasing useful life over time. There are four main forms of depreciation—straight-line, declining balance, sum-of-the-years' digits, and units of production.
Dilution refers to the process of decreasing existing shareholders relative ownership in the company, through the issuance of new shares in said company or through the conversion of options.
Early investors typically try to prevent the dilution of their shares by establishing provisions in their term sheets including: full or partial ratchets.
The term ‘dilutive financing’ refers to any form of fundraising where capital is exchanged for equity in the business.
The term ‘direct lender’ refers to a financier that provides the actual capital for a loan without an intermediary. By eliminating intermediaries, direct lenders are able to offer more competitive interest rates on their debt products.
Dirty term sheets, also known as predatory term sheets, are used to describe term sheets that are riddled with one-sided provisions and terms that are not in the founders’ favor. They are often deployed when a startup wants to raise capital while maintaining its inflated valuation and are based on internal rate of return mechanics other than price such as—price in kind dividends, or guaranteed multiple hurdles. Dirty term sheets misalign the interests of investors and operators, as investors focus their efforts solely on pushing the startup to go public. AVOID dirty term sheets at all costs.
A disbursement is exactly the same as a dividend except that the term “dividend” is used for companies that are established as C Corporations, and the term “disbursements” is used to describe cash payments from S Corporations and mutual funds.
A disclosure schedule outlines all of the fact-specific disclosures (or exceptions to specific statements) relating to the seller's representations and warranties. There are two types of disclosures—affirmative disclosures and negative disclosures. Negative disclosures list the exceptions or qualifiers to the seller’s responsibilities and warranties, whereas affirmative disclosures list the actual requirements.
The discount rate refers to the percentage used to discount a company’s future cash flow to its equivalent present value. The typical discount rate for SaaS startups is 20%, but it can be upwards of 40% in certain situations.
A company disrupts another when it introduces a competing product at a more attractive price, with a better interface or feature set, or with unique positioning. Typically established legacy companies are disrupted by new startups, but they are sometimes disrupted by other legacy companies.
Recent examples of companies with disruptive business models include: Airbnb (disrupting hotels), Uber (disrupting taxi cabs), Doordash (disrupting food delivery).
A dividend is a payment made by a company to its investors and shareholders—it’s typically paid out quarterly.
The double entry accounting system is a form of accounting that requires two entries for every transaction.
A down round occurs when a startup raises a new round of funding at a lower valuation than a previous round. When this occurs, typically the investors invoke their full (or partial) ratchet rights to ensure that they are not diluted.
The term ‘drag along rights’ refers to the ability of majority shareholders to force minority shareholders to join in the sale of a company at the same price, terms, and conditions as they received. If applicable, the drag along rights will be detailed in the provisions of the term sheet.
Startups draw down their loans or credit lines when they access the capital that their lenders provide. Typically, startups shouldn’t draw down more than 50% of the loan amount to ensure they don’t surpass the ideal loan to value ratio.
The term ‘due diligence’ refers to the investigation process that takes place when investors are evaluating potential opportunities, or when a company is considering entering into a contract with another entity. Like the duty of care, the due diligence process centers around the research that a reasonable person would be expected to conduct.
The term ‘duty of care’ refers to the responsibility of the directors and officers of a company to conduct a reasonable amount of diligence prior to making a decision in good faith that aligns with the best interests of the company. The decision they make must also align with the decision that a prudent person would reasonably be expected to take in a similar position and under similar circumstances.
The term ‘duty of loyalty’ refers to the responsibility of all directors and officers of a company to act at all times in the best interest of the company, without personal conflicts of interest. One such example is the requirement to keep all company information confidential, and to not misuse or disclose such information.
The term ‘EBITA’ refers to a company’s earnings before interest, taxes and amortization—it is used to determine the financial performance of a company, and to compare the performance of two companies in the same line of business.
The term ‘encumbered’ refers to securities that are owned by one entity, but are also subject to a legal claim by another. When a company borrows from another, legal claims on the securities owned by the borrower can be taken as collateral by the lender in the event that the borrower defaults on its obligation. Encumbered assets are subject to restrictions on their use or sale, and in some cases, they cannot be sold until the outstanding debts belonging to the owner of the securities are paid back to the lender who holds the claim against them.
Equity, also known as startup equity, refers to the degree of ownership stake that investors, founders and employees have in the business. Typically, the equity that employees and founders earn is subject to a four year vesting period and a one year cliff.
Equity dilution is a decrease in the ownership percentage of a company held by individual shareholders, resulting from the issuance of new equity. This can happen when a startup fundraises or raises capital by issuing additional shares of stock.
The term ‘equity financing’ refers to a funding arrangement where an investor provides capital to a startup in exchange for equity or stock in the company. Venture capitalists, angel investors, angel syndicates, private equity groups and more all invest in companies via equity financing.
The term ‘exclusivity’ refers to the provision in some term sheets that limits the seller's ability to solicit an offer from or negotiate with a third party during a specified time period. It can also refer to the term in the contract that restricts one party from working with or selling to a competing party.
An exit, or liquidation event occurs when a startup goes public through an IPO, is acquired, or goes bankrupt. After such an event, the investors, founders and employees of said company have the opportunity to sell their shares and “cash out”.
An expense is any cost associated with running a business including: payroll, overhead, rent cost of goods sold…etc.
A facility, also known as a credit facility or debt facility, is a type of financing that is provided to startups to fund their operations. All debt or credit facilities come with a set of repayment terms which outline the principal amount, interest (or discount) amount and fixed payment schedule.
The financial statements of a company include its: balance sheet, income statement and cash flow statement. It's used to convey the business activities and the financial performance of a company and is audited by government agencies, accountants, firms, etc. to ensure its accuracy for tax, financing, and investing purposes.
Fixed interest rate loans come with a consistent interest rate over the term of the loan, unlike variable interest rate loans.
A flat round occurs when a startup raises a new round of funding at the same valuation as their previous round of funding. Unlike down rounds, flat rounds are neither good nor bad.
The float of an employee or investor's stock is a dollar figure that represents the difference between the strike price of their shares or options and the current fair market value of said shares or options.
The greater the float, the better (or worse) the investment is—yes floats can be negative if the current strike price is lower than the strike price they initially paid.
The term ‘flow of funds’ describes the process of how money moves between lenders or other capital providers and the company receiving the funds.
Startups make predictions, or “forecast” their revenue, expenses and growth rate for the year using a variety of methods including: top-down, bottom-up and run-rate.
Forgivable loans are a form of debt that are “forgiven” or considered satisfied, after a period of time or a specified repayment milestone (often 80% of the loan value). They are typically provided by government organizations, such as the SBA.
Founders shares, also known as founders equity or founder stock, refers to the equity that is allocated to the founders of an organization. In reality, there is no legal difference between founder's stock and common stock, other than the “founder’s stock” may come with additional restrictions, voting rights, and other rights.
The free cash flow of a business is the leftover cash it generates after paying for its operating expenses and capital expenditures (CapEx). The more free cash flow a company has, the better it is positioned to pay down debt and grow, thus the more attractive it is to investors.
As the name implies, in the friends and family round, your friends and family provide a capital injection into the business. It’s typically the first informal round of capital put into the business, preceding the pre-seed funding round.
The term ‘fully diluted shares’ refer to the total number of common shares of a company that are outstanding and available to trade after all possible sources of conversion, such as convertible bonds and employee stock options, are exercised.
A fully drawn advance occurs when a borrower pulls their entire loan principal upfront and agrees to repay it plus the interest according to the amortization schedule and repayment terms.
A funding round includes any formal cash injection into a business by an investment fund or accredited investor. Funding rounds for most startups typically range from pre-seed to series e, but hypothetically can go on forever.
The term ‘goodwill’ refers to the set of intangible assets that a company has on its balance sheet including its: brand recognition, customer and employee relations, and any patents or proprietary technology. To find the value of the goodwill that a company recognizes, subtract the book value of the company from its purchase price. Examples of companies with the largest recognized levels of goodwill include: Microsoft, Amazon, Apple and Alphabet (Google).
Grant awards are essentially monetary gifts provided to companies that do not need to be paid back. They are typically awarded by government organizations such as the SBA, but they are also provided by other organizations who host pitch competitions.
The monthly gross burn rate of an organization is equal to its total expenses for said month including its rent, salaries, and other overhead.
The monthly gross income of a business is the total of its revenues for said month before any expenses, depreciation, or taxes. The gross income of a business is also known as its gross profit.
The gross margin of a product or service is a percentage that is calculated by subtracting the cost of goods sold from revenue, then dividing said figure by the revenue. The gross margin for software businesses is typically much higher than businesses that sell products.
The strategy of growing at any cost indexes almost exclusively on driving sales or users, without much regard for the quality of said users or the cost associated with securing them. Oftentimes a ‘growth at any cost’ strategy results in an insanely high burn rate, because the cost of acquiring the new customers is more than what they are worth to the business.
Growth capital is injected into businesses at critical points in their lifecycle, enabling them to acquire more customers and hire more team members—ultimately resulting in an accelerated period of growth. Growth capital comes in many forms, but the most common include: venture capital, venture debt and revenue based financing.
The term ‘growth rate’ refers to the percentage change of a specific variable within a specific time period—for example: users, customers, and valuation. The growth rate of a business is calculated by subtracting the ending value in question from the starting value, and dividing the result by the starting value. It is used by investors to predict future performance.
Startups reach the growth stage when they have acquired a fair amount of customers, generate a steady source of income, and have proven product-market fit.
While there are a variety of growth strategies, one thing remains constant—the goal: to convert more customers or get more users. The three most common growth strategies include market penetration, market expansion, and market development.
The term ‘guarantor’ describes an individual who promises to pay for the company’s debt in the event that the company defaults on its loan obligation, by pledging their own assets as collateral against the loans. There are two forms of guarantors: limited and unlimited—limited guarantors are typically only responsible for a portion of a loan, whereas unlimited guarantors are responsible for the loan in its entirety.
Hard money describes fiat money that has a stable market value relative to real goods and services and a strong exchange rate relative to foreign currencies. Businesses may choose to hold hard money because its stable value makes it a more conducive store of value, unit of account for profit-and-loss accounting, and medium of exchange.
Usage in lending
A hard money loan is a type of loan that is backed by the value of a physical asset, such as a car or home. Hard money loans typically have shorter terms and higher rates than traditional loans, and are more common in the real estate industry.
Hard money lenders are private lenders that provide funding for a hard money loan.
A hedge is an investment that protects an investor's finances from being exposed to a risky situation that may result in a loss of value. Hedges serve as a form of insurance – they help prevent an investment from losing value by offsetting losses with gains in another investment.
Hedge funds are investment pools used to invest in securities or other investments with the goal of generating positive returns. Most hedge funds typically have more leeway to pursue investment strategies that may inherently carry a higher risk of loss.
Indemnification is a form of insurance compensation for damages or loss. A party may choose to indemnify or pay for the potential losses or damages caused by another party.
An industry vertical is a very specific classification and description of a group of companies that focuses on a shared niche or specialized market spanning multiple industries.
Information rights is a provision in a term sheet that outlines the information a company must provide its investors beyond what state law requires.
Examples of information rights provided to preferred shareholders in private companies include
financial statements, capitalization table, budget, and inspection rights.
Insolvent is a term used to describe a business or entity that is unable to pay back the debt it owes to its creditors.
Intangible assets are assets that are not physically tangible in nature. Brand recognition, goodwill, intellectual property are all examples of intangible assets. Intangible assets created by a company do not appear on a corporate balance sheet and have no recorded book value.
Intellectual property is a type of intangible asset and refers to patents, trademarks, copyrights, and trade secrets owned by a company. Intellectual property is protected by law.
Interest is the amount a lender charges to a borrower for any form of debt given, usually expressed as a percentage of the principal amount. The interest rate could be considered the fee or price a debtor pays in order to borrow capital.
An investment is an asset or item an investor acquires with the goal of generating income or appreciation. Investments involve the outlay of capital whether it be in the form of time, effort, money, or an asset for future payoff that is greater than what was initially put into the investment.
An investment multiple, also known as a target rate of return, is the ideal percentage that the investor seeks to gain from their investment over a period of time. Typically VCs look set a target rate of return of between 25% and 35% per year.
An investment vehicle is a financial instrument, product, or container that houses a particular investment strategy that allows investors to earn a positive return through income and capital gains. Investment vehicles each carry different degrees of risk and can include individual securities such as stocks and bonds as well as pooled investments like ETFs and mutual funds.
An investor is a person or entity that commits capital with the expectation of generating income or profits.
An investor rights agreement outlines all of the rights that an investor has which may include, but are not limited to voting rights, inspection rights, rights of first refusal, and observer rights.
Before you sign a term sheet it is imperative that you understand the rights that your potential investors expect—do not agree to terms that you do not understand or have not discussed with your council.
An invoice is essentially an IOU used by businesses to charge their customers. They are typically leveraged in situations where a large dollar amount is due, and a credit card is not the most appropriate form of payment.
Invoice financing, also known as receivables financing, is similar to receivables factoring, except that in receivables factoring the company gives up the rights to the receivables, whereas in invoice financing the company maintains the rights to the receivables and instead borrows money against them. Invoice financing helps businesses improve cash flow, pay employees, and reinvest in operations and growth, because they can access cash today by eliminating the time between customer-go-live and the eventual bump to their top line.
An issue is a process of offering securities in order to raise funds from investors. A business may issue bonds or stocks to investors in exchange for financing.
The term ‘issued shares’ refers to the number of shares that a company has allocated and are subsequently held by shareholders.
Kickers are rights, exercisable warrants, or other features that are added to a debt instrument to make it more desirable to potential investors by giving the debt holder the potential option to purchase shares of the issuer.
A lead investor is the primary investor of a funding round. They are responsible for setting the key terms in the capital raise and oftentimes (but not always) is the largest investor. Lead investors play an important role since they act as a facilitator during the capital raise process as the terms secured in the initial term sheet will apply to all subsequent investors in the round.
Legal fees are often assessed when negotiating term sheets, the related provisions or other transactions that require council. It is imperative that you understand the rights that your potential investors expect—do not agree to terms that you do not understand or have not discussed with your council. Lawyers are expensive, but they protect your best interests and your bottom line—as the saying goes: you get what you pay for, so don’t always go the cheaper route.
Leverage is a business and finance strategy where companies leverage debt to build financial assets. Businesses create debt by borrowing capital from lenders with the promise that they will pay off this debt with added interest. A business is labeled as highly-leveraged when their total debt outweighs total equity.
To calculate financial leverage take total company debt and divide by total shareholder’s equity:
- Leverage = total company debt/shareholder’s equity
- Leverage = total company debt/shareholder’s equity
Liabilities are the legal debts a business owes to third-party creditors and can include accounts payables, notes payables, and bank debt. Long term liabilities are obligations that are due after more than one year. Mismanagement of liabilities can result in negative consequences such as declining financial performance or bankruptcy.
A line of credit is a credit facility that a financial institution extends to a government, business, or customer which enables the borrower to draw on the facility as needed and repay either immediately or over time.
A Liquidation multiplier is a term that allows investors to receive a multiple of their liquidation preference in the event of a liquidity event.
An investor with one million shares of Series B preferred stock with an original issue price (OIP) of $1.00 would have a liquidation preference of $1 million. However if the same investor had shares with a liquidation multiplier of 2x, their liquidation preference would be $2 million.
Liquidation preferences are the set of key term in any investment or lending agreement that give investors and creditors the right to be repaid in the event of a company's bankruptcy or liquidation. This protection can be vital for investors and creditors, as it ensures that they will not lose out if the company goes under.
Liquidation waterfall defines the payout order in the event of corporate liquidation. Typically, the companys' preferred stockholders get their money back first, ahead of other kinds of stockholders (common shareholders) or debt-holders. These liquidation preferences can include a mix of standard and non-standard terms that further affect the payout order.
A liquidation or liquidity event is the acquisition, merger, initial public offering (IPO), or other action that allows founders and early investors in a company to liquidate some or all of their ownership shares.
Favorable liquidation events:
- Sales of a company for cash
- Sale of a company for shares
Unfavorable liquidation event:
- Company bankruptcy
A loan is considered “in default” when it cannot reasonably be expected to be paid back, or when only the interest can be paid back (i.e. interest-only payments).
Fees paid to a lender to process a loan. These fees are paid only after the loan is accepted.
The term ‘loan to value ratio’ refers to the assessment of lending risk that is calculated by dividing the loan amount by the lender-assessed value of the business. Generally speaking, most lenders consider a LVR of 80% or more as being risky.
The term ‘lock up period’ refers to the period of time following an IPO of a company when investors or other shareholders are not allowed to redeem or sell shares. The typical lock up period is 180 days, but it can last for over a year. Lock-up periods are not required by the Securities and Exchange Commission (SEC) or any other regulatory body, but are established to prevent large investors from flooding the market with their shares.
Loss of control occurs when a founder is removed from the leadership team of a company, via a board vote or a hostile takeover. A few founders that suffered a “loss of control” include: Steve Jobs (Apple), Jack Dorsey (Twitter), Andrew Mason (Groupon), and Jerry Yang (Yahoo).
Major investor rights define the threshold required to be considered a “major investor” and the associated rights that an investor receives for being considered as such. E.g. information rights, pro rata rights, co-sale rights, the right of first refusal…etc. Setting major investor rights is beneficial, because it can reduce the number of investors you have to coordinate or negotiate with during specific events—such as the sale of stock, or a liquidation event.
A management rights letter is an agreement between a company and an investor that provides the investor with certain "management rights"—allowing it to substantially participate in, or substantially influence the conduct of, the management of the portfolio company.
Mandatory conversions occur when a key event takes place, such as an IPO, acquisition or merger. They result in the preferred shares of a company being converted into common shares. Mandatory conversions are outlined in the provisions of a term sheet.
The margin of a company is calculated by subtracting the expenses from its revenues. The higher the margin, the more likely the company is to generate a profit. Software companies typically have higher margins versus companies that sell physical products.
Company’s mark down the price of products that are not selling well to liquidate their inventory—sometimes to the point of losing money for every item sold. In price wars, companies race to the bottom by marking down their price.
The mark up on a product or service is the dollar amount that is added to its cost, forming its selling price. It is calculated by subtracting the cost of the product or service from its selling price. The markup for software is often high, while the markup for physical products is typically low.
The term ‘market penetration’ refers to the adoption of a company's product or service relative to the total estimated market for that product or service. Most companies never reach 100% penetration, due to saturation, competition and other factors in the market.
The maturity date of a loan or other debt product, refers to a specific point in time when the final payment is due. The maturity date of a loan is outlined in the repayment terms.
The term ‘merchant cash advance’ refers to the purchase of a company’s receivables—the company receives a lump sum payment in exchange for making fixed monthly payments in the future.
Merchant cash advances are a form of receivables financing, and revenue based financing. They are the most founder-friendly way for startups to fuel their growth, as there is no debt or dilution. With merchant cash advances, startups can convert their future revenues into upfront capital so they can scale faster, on their terms and without restriction.
The term ‘mezzanine financing’ refers to a hybrid form of debt and equity financing, similar to a SAFE or convertible note, except that it gives the lender the right to convert its debt position into an equity interest in the company in the event of default. Startups leverage mezzanine financing to fund growth projects and to help with acquisitions. Mezzanine financing is subordinate to senior debt, and superior to both preferred and common stock.
Micro venture capital, also known as Micro VC is a form of investing in seed-and-early-stage startups. Typically micro VC funds have less than $50MM in capital under management, have an average check size between $25-$500k and they invest on behalf of their limited partners (as do other VC funds). Startups typically use the funds from a micro VC investment to bring their product to market.
A microloan is a type of loan typically used to finance entrepreneurial projects in impoverished or developing regions. Microloans are also offered to small businesses by the SBA, and can range from a few thousand dollars up to $50,000.
The Most Favored Nation Clause gives early investors the same rights and benefits received by later investors, if those rights and benefits are more favorable than those originally agreed to. MFN clauses are typically included in SAFEs and Convertible notes. MFN clauses give investors peace of mind—they are assured that they will not be disadvantaged compared to other investors in subsequent rounds, thus maximizing their potential returns.
Negative cash flow occurs when a business has more outgoing money than incoming money. New companies and startups are typically cash flow negative, while creditors and financiers are willing to overlook this in the early stages of a company’s life cycle – eventually, these companies need to move towards being cash flow positive to receive additional funding.
Negative covenants are restrictions placed on a borrower that restricts certain actions or behaviors. Examples of negative covenants can include: non-compete agreements that prevent a company from competing directly with another business for a specific period or a non-disclosure agreement that prevents a company from sharing trade secrets and proprietary information.
Net income, also referred to as net earnings, is calculated as sales minus cost of goods sold, selling, general and administrative expenses, operating expenses, depreciation, interest, taxes, and other expenses. Net Income is a proxy for a company’s profitability and is a business metric investors may use to evaluate how much revenue exceeds the expenses of a company.
Net profit is the amount of money a business earns after deducting all operating, interest, and tax expenses over a fixed period of time. In order to determine net profit, you need to know a company’s gross profit.
Net profit is an important business metric that signals the profitability of a business. If the value of net profit is negative, then it is called net loss.
Net worth provides a quick snapshot of an entity’s financial position, the metric can be applied to corporations, individuals, countries, and even sectors. Net worth can be calculated by taking the value of all the assets an individual or corporation owns and subtracting the liabilities they owe.
Clause that states or prevents the lending party from making an advance payment to the borrower.
Non-dilutive funding is a financing tool businesses can deploy to fund their operations. Non-dilutive funding differs from dilutive financing options in that the business is not giving up equity (diluting their ownership) in exchange for funding.
- No equity dilution - Because companies aren’t giving up an ownership stake in exchange for capital, debt financing helps founders maintain control over their business.
- Cheaper - While debt funding has to be paid back, the overall cost is far less than equity financing as future profits are all yours.
- Leverage - While debt financing requires revenue, it allows you to convert current and future revenue to leverage larger amounts of capital to power your growth.
- Debt is senior to equity in the capital structure which means debt lenders have priority in claims in the event of a bankruptcy.
- Harder to qualify for - Because debt lenders aim to minimize risk, qualifying for debt financing can be harder than equity financing.
- Liability - Some lenders require a personal guarantee as a backup which could mean founders are personally liable for repayment in the event of business failure.
- Warrants/Covenants - Some lenders include covenants(conditions) that have to be maintained as part of their funding requirement. Common covenants include the right to purchasing equity or pre-determined debt-to-equity ratios.
Offering periods are defined in a Employee Stock Purchasing Plan (ESPP). During the offering period, payroll deductions are accumulated to purchase shares on your behalf.
Opportunity costs represent the potential benefits that an individual, investor, or business forgoes when choosing one alternative over another.
An Option is a contract that gives the buyer the right, but not the obligation, to buy or sell the underlying asset by a certain date (expiration date) at a specified price.
An option pool refers to an allocation of company equity that has been reserved for early investors or employees of a start-up company.
Fees paid to a lender to process a loan application.
Out-of-pocket costs refers to expenses incurred by employees that require a cash payment. The employer typically reimburses employees for these costs through an expense reporting system. Examples of out-of-pocket-costs include the cost of a business lunch with a client or the purchase of gasoline or tolls while engaged in company business.
Overdraft facilities are agreements drawn between a bank and an account holder that allows the entity to take out or use more money than what they have in their account. These overdraft facilities work similarly to an approved loan since the account holder only has to pay interest on the amount owed and only for the time it was borrowed.
Owner’s equity represents the owner’s rights to the assets of the business. To calculate owners equity, subtract the value of all liabilities from assets.
During a sale, holders of preferred stock get preferential treatment and are typically paid first before holders of common stock. What makes participating preferred unique even when it comes to preferred stock is that holders of this stock class are entitled to receive a share of any remaining liquidation proceeds on an as-converted to common stock basis, after they have already gotten back their liquidation preference.
Payback period refers to the amount of time it takes to recover the cost of an initial investment. In other words it is the length of time required for an investment to reach the break even point. The shorter the payback period, the more attractive a loan is to an investor.
Payback terms, also known as repayment terms, outline the principal, interest (or discount) rate, and monthly payment amount.
Payment-in-Kind refers to the instance where goods or services are used as payment or compensation in lieu of cash.
The term ‘personal guarantee’ represents an individual’s legal promise to repay credit issued to a business for which they serve as an executive or partner. Personal guarantees help extend credit worthiness and help businesses secure access to capital that they typically wouldn’t qualify for on their own.
Personal property is a class of property that can include any asset other than real estate. The main criteria qualifying an asset as personal property is that it is movable (not fixed permanently to one particular location).
Petty cash is a nominal amount of money readily accessible for paying expenses too small to merit writing a check or using a credit card. Company’s typically keep between $100-$500 on hand to pay for small transactions like office supplies or catered lunches.
A pitch competition is a business contest where entrepreneurs present their business concept to a panel of judges in hopes of securing cash prizes or investment capital. Popular pitch competitions include Y Combinator Demo Day, TechCrunch Disrupt, Hatch Pitch and Web Summit.
A pivot is essentially a shift in business strategy to test a new approach regarding a startup’s business model or product. Startup founders and operators may choose to pivot their business strategy to better accommodate the needs of their target audience, to break into a new vertical or industry, or to better optimize their business’s finances.
The term ‘portfolio company’ is used to describe a company in which an investor owns an ownership stake in it. Investors look to increase the value of their portfolio company to recapture and earn a return on their investment.
The term ‘post-money valuation’ refers to the worth of a company after it has completed a round of funding. The post-money valuation of a company is calculated by dividing the investment amount received by the equity (percentage) purchased by the investor. The post money valuation of a business is always higher than the pre-money valuation of a business.
The term ‘pre-money valuation’ refers to the value of a company prior to completing a round of funding. It gives investors an idea of the current value of the business and provides the value of each issued share. It is calculated by subtracting the investment amount from the post-money valuation. The pre-money valuation of a business is always lower than the post-money valuation.
Pre seed funding typically follows friends and family rounds. It refers to the initial round of "professional" equity capital into a business. Companies raising pre-seed funding sometimes do not have a product, or even have a prototype—sometimes all they have is an idea. While the amount of capital raised from this form of fundraising can vary, it's typically between $100-$500k.
The term ‘preferred equity’ refers to any class of securities (stock, limited liability units, limited partnership interests) that have a higher priority for distributions in a liquidity event or a dividend event (compared to common equity). Investors typically require their portfolio companies to have two classes of stock: common and preferred—they also require their equity be considered preferred.
A prepayment penalty is a fee that debt-financiers charge when the debtor pays off all or part of their loan early. This fee along with other applicable fees are outlined in the “Summary of Loan Documents”.
In a priced round, investors purchase stock in a company at an agreed-upon price per share. Priced rounds typically follow the issuance of a SAFE or a convertible note in a prior round, and are the most common investment structure in venture capital.
Principal refers to the amount of money that is borrowed through a loan—it generally needs to be paid back in accordance with the repayment terms and along with the predefined interest (whether variable or fixed).
The term ‘private placement memorandum’(PPM), also known as an offering memorandum or offering document, refers to the legal document that is provided to prospective investors when selling stock or other securities. The disclosures included in the PPM vary depending on the exemption from registration type, the target investors, and the complexity of the terms of the offering. The presentation of the PPM is more factual and concrete than a business plan and addresses external and internal risks facing the company. Well drafted PPMs balance disclosure requirements with marketing elements designed to seal the deal.
The term ‘pro-rata rights’ refers to a contractual provision that enables investors to maintain their equity stake and their voting power even when new shares are issued, without the obligation to invest in later rounds. It is typically given to early stage investors who are willing to start up at one of their riskiest points in time. If the investor declines their pro-rata rights and fails to invest in follow-on rounds, they will be diluted. Being able to maintain a consistent ownership percentage in a company can mean the difference between making thousands and millions of dollars for an investor, hence the importance to maintain and activate their pro-rata rights.
Before you sign a term sheet it is imperative that you understand the rights that your potential investors expect—do not agree to terms that you do not understand or have not discussed with your council.
Product-market fit describes the degree to which a product satisfies the needs of a target audience. Companies with a strong product-market fit (and little competition) often have high margins because they do not need to spend time or financial resources educating or convincing the target audience that they actually need their product or service. Product market fit is less about hypothetical numbers, and more about an in-depth and tangible understanding of your customers, where they congregate and how they feel about your product or service. Achieving product market fit is crucial to escape the valley of death.
A profit and loss statement is a formal financial document that is used to show the revenues and expenses of a company during a particular period. Creditors and investors use the profit and loss statements of a company to evaluate its financial soundness and growth potential.
The term ‘profit margin’ refers to the percentage of profit that a company generates for each dollar of sales. Example: 20% profit margin means that the company generates $0.20 of profit for every dollar of products or services it sells. Software startups and SaaS startups typically have higher profit margins compared to businesses that sell physical products. Profit margins are used by creditors, and investors to determine a company's financial health, management's skill, and growth potential.
A projection is a type of estimate that is given to investors or potential financiers to explain the market opportunity, and revenue or growth potential that a startup has. Projections are typically based on the top-down or bottoms-up forecasting model, and are not intended to be used as KPIs.
There are five primary forms of projections including: sales projections, expense projections, balance sheet projections, income state projections, and cash flow projections.
The term ‘proof of concept’ refers to the process of determining the feasibility of an idea (in other words, the practical potential of a concept or theory)—it does not take into account the demand for such a product or service or the profitability of said product or service. Startups often undergo a few proof of concept exercises prior to launching out of stealth.
Protective provisions ‘protect’ an investor's rights such as their ability to veto a decision or action that they do not agree with—e.g. the issuance of more stock, the liquidation of the company, or the acquisition of the company. Protective provisions mitigate risk for investors and help protect the interests of minority shareholders in the event that there is a disagreement regarding the best course of action for the company.
Before you sign a term sheet it is imperative that you understand the protective provisions that your potential investors expect—do not agree to terms that you do not understand or have not discussed with your council.
Prototyping is the action taken immediately following the proof of concept phase, where design teams transform an idea into a tangible item (whether physical or digital). Once the item is created, it is shown to individuals in the target market to gather feedback, so it can be refined. Prototyping is an iterative process of refinement and feedback. By prototyping, startups can avoid wasting time and resources building products or services that are not commercially viable.
The QSBS exemption is a tax exclusion in the IRS code that enables shareholders to sell or exchange their qualified stock, and receive a break on their capital gains tax—potentially up to a 100% exclusion of tax on the capital gains. To qualify for the QSBS exemption, the company you have equity in must be incorporated in the US, the company must have gross assets of $50 million or less (at all times before and immediately after the equity was issued) and the company must not be on the list of excluded business types.
For more information on the QSBS exemption and to determine if you are actually qualified, we strongly recommend you talk to a tax and financial advisor.
The term ‘full ratchet’ refers to the contractual provision that prevents the dilution of an early investor by future rounds of fundraising. It typically also provides protection against a drop in the strike price, should the pricing of future rounds be lower than that of the initial round. Full ratchet provisions can be extremely dangerous for early stage companies, as they force the company to continue to raise at higher rounds, while simultaneously not allowing the investor to be diluted.
Before you sign a term sheet it is imperative that you understand the rights that your potential investors expect—do not agree to terms that you do not understand or have not discussed with your council. The last thing you want to have happen is you are raising a round of capital and the investor demands that they not be diluted or you have a down round and they expect their original shares to convert at the new (and lower) price.
The term ‘partial ratchet’, also known as a ‘weighted ratchet’ refers to the contractual provision that prevents the dilution of an early investor by future rounds of fundraising, and comes in two varieties: the narrow-based weighted average, and the broad-based weighted average. In either case, it takes into account the number of shares that are issued in the next dilutive financing round and the price is adjusted accordingly. The weighted/partial ratchet is a compromise to ensure that the early-stage investors maintain their benefits for getting in early, while simultaneously being a bit more friendly to the founders of the business.
Before you sign a term sheet it is imperative that you understand the rights that your potential investors expect—do not agree to terms that you do not understand or have not discussed with your council.
The term ‘recapitalization’ refers to the process of restructuring a company's debt and equity stack, to stabilize their capital structure. It is typically invoked when there is a drop in a company’s share price, or when the company attempts to defend against a hostile takeover, or bankruptcy, and involves the exchange of one form of financing for another.
Receivables factoring, also known as accounts receivable factoring, is a type of alternative financing in which a company sells its receivables (invoices) to a third party at a discount to raise capital. It's similar to receivables financing, in that businesses can unlock capital today by tapping into their future accounts receivables, however, the key difference lies in the underwriting process and the collateral that is required.
Receivables financing is a form of non-dilutive funding that allows startups to collateralize their future accounts receivables to receive capital today. This type of financing can be used to fund operating expenses, hire new employees, expand into new markets, and much more.
The term ‘recurring revenue’ is related to the revenue model that a company employs for its products or services. When a product or service requires that it continually be paid for (such as a software subscription), it is said to generate recurring revenue for the business. Businesses that typically have a recurring revenue model include software startups and SaaS businesses.
Businesses that have a recurring revenue model are the perfect fit for revenue-based financing.
A recurring revenue loan is a type of debt-financing that is especially popular for software and SaaS businesses where they have a predictable stream of revenue. The loan amount is based on the size and nature (e.g. monthly or annual frequency) of the revenue stream. Recurring revenue loans are similar to revenue based financing (RBF) options, except that the receivables financing type of RBF is not considered a loan and does not carry interest.
Redemption rights give investors that hold preferred stock the right to require that a company repurchase their shares after a specified period of time. They are designed to protect investors when a company’s valuation is stagnant, and is no longer an attractive acquisition target or IPO candidate. While rarely included in a term sheet, they can represent a major problem to companies that do not intend to generate positive cash flows for some time and as a result will not be able to pay back the investor in the event they exercise their right.
Before you sign a term sheet it is imperative that you understand the rights that your potential investors expect—do not agree to terms that you do not understand or have not discussed with your council. The last thing you want to have happen is an investor demands that you buy back their shares, and you don’t have enough capital to pay them back, or you have just enough capital to pay them back, but doing so will jeopardize your ongoing operations.
The term ‘refinancing’ refers to the ability of a financier to adjust the terms of a loan on the basis of a business's credit or repayment status/ The typical terms that are adjusted include the: interest rate (if fixed), payment schedule, and payment amount. Borrowers typically refinance when interest rates fall, or when they have a variable interest loan and rates are on the rise.
The term ‘registration right’ refers to the ability of an investor (who owns restricted stock) to require a company to go public so that the investor can sell their shares. There are two primary forms of registration rights: “piggyback”, which allow investors to have their shares included in a registration (IPO) that is currently in the planning stages by the company and “demand” which allow the investor to require a company to go public even if they’re not planning to do so in the near future.
Before you sign a term sheet it is imperative that you understand the rights that your potential investors expect—do not agree to terms that you do not understand or have not discussed with your council. The last thing you want to have happen is an investor demands that you go public, and you are not ready or prepared to go public.
The repayment terms of a loan stipulate the time period in which the debt is required to be paid back, the fixed (or variable) payment amount, the interest (or discount) amount associated with the loan and any associated provisions related to the agreement.
The term ‘representations and warranties’ refers to the set of assurances given by both parties in an agreement. Representations and warranties are not required by law but are in nearly every purchase agreement of equity. The primary goal of representations and warranties is to transfer risk from the buyer to the seller, and vice versa.
The term ‘retention of title’ refers to the provision in a contract for the sale of goods, which enables the seller of the goods to maintain ownership of the goods (title) until the buyer fulfills their obligations, which can include the payment.
Revenue based financing is the friendliest way for startups to accelerate their growth, extend their runway and make strategic bets. It’s a type of business funding in which a company secures capital by selling rights to their future projected revenue streams at a discount. This is a win-win for both parties, as the startup receiving the capital can eliminate the time gap between customer-go-live and the eventual bump to their top-line revenue, and the financier generates a predictable return.
The two major types of revenue based financing are receivables financing and receivables factoring. The main difference being the sale of individual invoices (factoring) vs a cash advance on future projected revenue streams (financing).
For a more in depth look at revenue based financing, including the qualifications, top providers and frequently asked questions, check out the comprehensive guide we put together.
A revenue sharing note (RSN) is an agreement, in which a company borrows money from an investor and agrees to pay back a certain percentage of their revenue every quarter until all of the principal and accrued interest from the loan is paid back. The four major things that should be considered prior to signing a RSN agreement include the: investment multiple, maturity date, revenue share percent, and internal rate of return. It functions similarly to a revenue based financing agreement, except that the rate of repayment is not fixed—in periods of lower revenue, you pay a lower amount and in periods of higher revenue you pay a higher amount.
For high-growth startups this fluctuation in payment amounts is often challenging, because they cannot fully leverage the additional revenue they generate to further increase their growth rate.
The term ‘right of first refusal’, also known as a “preemptive right” refers to the ability of an investor to take the first “at bat” in the event of a potential liquidation event, sale of equity or other relevant trigger. For example the right of first refusal related to the sale of equity would give an investor the right to purchase (or pass) on the shares being offered by a shareholder, before anyone else gets the same opportunity. In the event of a liquidation event, it would give the investor the right to purchase (or pass) on the outright sale of the company and its assets. Typically the right of first refusal is included in the provisions of the term sheet that is provided to the business receiving the investment.
The term ‘right to audit’ refers to an investor's (or board member’s) right (but not obligation) to audit the books, balance sheet, user base, code base or other centralized record of their portfolio companies’ that is directly related to its business operations and performance. Typically the right to audit is included in the provisions of the term sheet that is provided to the business receiving the investment. A recent example of an investor leveraging the right to audit, is Elon Musk who requested access to the user logs of Twitter to determine how many actual fake and spam accounts there are (compared to the 5% they reported).
The term run rate refers to the financial performance of a company based on its current business fundamentals, and is used to predict its future performance with the assumption that market conditions remain constant. For example, if a company has generated $50 million in revenue each quarter for the past three quarters, the run rate for the following quarter would be estimated at $50 million, and the annual revenue run rate would be estimated at $200 million.
Calculating the run rate of an organization is a more accurate form of forecasting compared to the bottoms-up and top-down forecasting methods. It is particularly useful for estimating the performance of companies or departments that have been operating for less than a year.
While the run rate of a mature business is relatively consistent, for seasonal businesses or businesses whose sales are highly dependent on the economic landscape (such as the travel or luxury clothing industry) it can be highly inaccurate.
Runway refers to the period of time that a startup can “survive” or continue operations based on its monthly cash burn and its cash in the bank. The shorter the runway a startup has, and the higher the burn it has, the more likely it is to go bankrupt. During periods of economic expansion, the burn rate a company has doesn’t matter as much as its growth rate, as investors are willing to fund companies that are growing exponentially. During periods of economic compression, investors are much more stringent on a company’s cash burn and growth rate, often suggesting that company’s conserve their cash and cut back on their growth plans to extend their runway. A company has an infinite runway when it surpasses the break even point—i.e. when its revenues exceed its expenses.
A SAFE note is a form of financing used by early-stage startups (typically seed stage) to raise capital from investors. They are short five-page documents with standard, non-negotiable terms (other than the valuation cap). Like options or warrants, they allow investors to buy shares in a future priced round at a discount, however, unlike convertible notes, they are not debt and do not accrue interest.
Scalability refers to the relative ability of a business to scale its operations. The scalability of a business directly affects its valuation, because it is related to how fast and how profitable it can be given the right market conditions. The more scalable a business’s model is, the more it is worth. Software startups and SaaS startups with asset-lite business models are often the highest valued companies because they can essentially scale indefinitely without inventory, physical assets, or intense amounts of labor.
A secretary’s certificate is exactly what it sounds like: a certificate signed by the secretary of a company—that is delivered at the closing of a transaction. It typically contains the following information: certified copies of the organizational documents of the company, certified copies of the authorizing resolutions for the transaction, statements to the incumbency of all individuals executing the operative agreements, and all other necessary documents.
The Securities and Exchange Commission (SEC) is an independent governing body that oversees the rules and regulations related to the purchase, sale or transfer of securities in the US. The primary goal of the SEC is to enforce laws against market manipulation.
Securities law compliance refers to the adherence of the rules and regulations provided by the U.S. Securities and Exchange Commission (SEC) Financial Industry Regulatory Authority (FINRA). The penalties for violating securities laws range from time in prison to large monetary fines.
Seed funding is typically the first official round of equity funding into a business (preceded occasionally by a pre-seed round). Seed funding is leveraged by companies to finance their first round of market research and product development, along with the hiring of a couple of key individuals. The typical investors of a seed round include: friends, family, incubators (like YCombinator), and angel groups and angel syndicates. The typical amount of seed funding ranges from $25,000-$2 million (the medium was $1 million in 2020), at a valuation between $3-6 million.
Senior creditor refers to a financier that is paid back first in the event of a bankruptcy, followed by junior or subordinated debt holders or hybrid debt holders (e.g. convertible notes), preferred shareholders and lastly common shareholders. Senior creditors are often bondholders or banks that have revolving credit lines, and typically require a lien against a company’s collateral to secure the credit facility.
Senior debt, also known as senior notes or senior loans refers to a form of debt financing that is repaid first in the event of bankruptcy, followed by junior or subordinated debt holders or hybrid debt holders (e.g. convertible notes), preferred shareholders, and lastly common shareholders. Senior debt typically requires a lien against a startup's assets or collateral, and a personal guarantee from the founders of said startup to secure the capital.
Serviceable available market (SAM) refers to the portion of a company’s TAM that is targeted by a company’s products and services, and is within its geographical reach. The SAM of a business is always smaller than its TAM, and larger than its serviceable obtainable market (SOM).
Serviceable obtainable market (SOM) refers to the portion of a company’s SAM that can be reasonably expected to be captured. The SOM of a business is always smaller than its SAM and
A shareholders agreement is a pre-arranged document that outlines how the company will operate, and the rights and obligations that the shareholders of the company have. The purpose of this document is to ensure that shareholders are treated fairly and that their rights are protected. It typically includes: the number of shares issued; a cap table; any restrictions on transferring shares; pre-emptive rights; and payments details in the event of an exit. Shareholders' agreements are optional and are most helpful when an organization has a small number of active shareholders.
A silent partner is an investor who shares in a startup’s profits and losses but is not involved in the day to day operations or management of the business. Typically a startup’s pre-seed and seed investors, such as angel groups or angel syndicates, are silent partners. But as a startup matures and raises additional rounds of funding, the investors become active partners, occasionally through a seat on the company’s board of directors.
Single-entry bookkeeping refers to a method of accounting in which each transaction is recorded as a single-entry in a journal. The cash-based bookkeeping method tracks incoming and outgoing cash for a business, leading to a cash balance at the end of a period. Typical cash books include the following for each transaction: date, description, value, cash on hand. A great example of single entry bookkeeping, is the daily activity of balancing your physical checkbook (assuming you still have one).
Small business association loans range from $500 to $5.5 million and can be used for most business purposes, including the purchase of long-term fixed assets and working capital. SBA loans come with a few benefits including: competitive terms, counseling and education, lower down payments, flexible overhead requirements, and no collateral requirements. There are three main types of SBA loans: 7(a) loans, 504 loans and microloans.
The small business association (SBA) is a governmental organization that helps small businesses through capital injections (loans), guidance, counseling and mentorship, and contractual expertise. Often the SBA works with local chambers of commerce to connect new business operators with established business operators in the community. The SBA works to ignite change and spark action so small businesses can confidently start, grow, expand, or recover.
The small business innovation research program is run by the SBA with the intent to help small businesses conduct research and development through contracts and grant funding.
Soft landings, like acqui-hires, are the result of an acquisition. Unlike an acqui-hire though, in the event of a soft landing, the investors of the company basically get no money back. The goal is to “softly land” the employees and the assets, as the only other option is bankruptcy. Soft landings are sometimes the result of vulture capital.
Software as a service (SaaS) refers to a business model in which a company sells cloud-based software (accessed via a browser or mobile app) at a monthly or annual fee. SaaS businesses are typically asset-lite, have high gross-margins, and are highly scalable. Examples of SaaS businesses include: Hubspot, Salesforce, Cloudflare, and Meta (Facebook). Most businesses that have a SaaS business model are a perfect fit for revenue based financing.
A software startup, is a business that develops, sells and distributes different types of software. They often have a SaaS business model, but occasionally have hardware components too. Examples of well-known software companies include Apple, Tesla, Google, and Dropbox. Software startups are a great fit for revenue based financing.
A stand-alone convertible note is intended for use by early-stage startups looking to raise seed capital from angel investors, friends, and family before receiving institutional funding from a venture capital firm. It contains all the terms of the agreement, including the borrowing mechanics, remedy in event of default, and valuation cap (if applicable).
A startup advisor is a subject-matter expert who provides industry or subject matter guidance and mentoring. They are typically well connected to investors and other industry professionals, to whom they provide warm introductions.
Advisors are usually compensated for their efforts either monetarily or through equity grants—ranging from 0.05% up to 1%. The ideal time to bring on an advisor is when you’re hiring key staff, pursuing strategic partnerships or ramping your sales.
Avoid bringing on an advisor who has:
- No interest in your business or your mission
- Minimal free time because they are overcommitted to other startups
- A conflict of interest (i.e. advises a similar company in your industry)
Startup capital refers to any cash injection in an early stage business—typically the initial pre-seed round of a business is funded by friends and family, an angel group or an angel syndicate. As the startup matures, and offers additional rounds of funding venture capital funds and private equity funds invest. If the startup generates recurring revenues, another non-dilutive option to raise capital is revenue based financing.
An incubator is an organization that provides mentorship, early funding, working space, and connections to help entrepreneurs grow their businesses and develop a minimum-viable product. Well-known incubators include Idealab, The Batchery, Upward, SteelBridge Laboratories, and Invenshure.
Stock purchase agreement (SPA) refers to a contract between two parties, where a buyer purchases shares (or equity) directly from a shareholder. The contract is considered binding only if it aligns with all federal, state, and local laws, outlines the benefits received by both parties, and if both parties have capacity to enter into the agreement.
The term “strategic investor” refers to an individual or group that offers more than just money to a startup, which can include: industry expertise, connections with other industry operators or investors, or support on marketing, sales, design…etc.. Typically startups should have one or two strategic investors each round to make sure they’re maximizing the value of their cap table.
A word of caution—if you are going to take on a strategic investor, make sure they didn’t include any unique controls or rights in their term sheet outside of those granted to your other investors such as a Right of First Refusal.
Strike price refers to the dollar amount that an individual or organization needs to pay to exercise their stock option, and is calculated based on the 409(a) valuation of the company. The strike price an employee pays is outlined in their stock option grant, which outlines the number of shares they are entitled to purchase, the vesting schedule, and the price they need to pay to purchase the shares (strike price). The strike price paid for a single option grant remains the same regardless of its exercise date, even if the company’s value increases significantly.
Success fee refers to the compensation that is paid to an investment bank (ibank) for successfully closing a transaction, in a merger or acquisition it is calculated based on a company's enterprise value, and is contingent on the completion of the deal. Success fees align the interests of the company and the investment bank processing the transaction, and incentivize the ibank to get the best deal possible. They also typically have a simple fee structure that makes it easy to understand.
Sweat equity refers to the exchange of expertise, labor and time, for discounted equity in the business. Founders and early employees often earn sweat equity when bootstrapping their business, due to the lack of available financial resources.
Target rate of return refers to a dollar figure (profit) that an investor wants to see based on their investment in a company, adjusted for the time value of money (TVM). Investors work backward from their ideal return on investment to determine their target price for the investment.
A tender offer is similar to a takeover bid, in that an individual or organization offers to purchase some or all of the outstanding shares of a company’s stock. The offer outlines a specific price (typically at a premium compared to the current strike price) and a specific time period—it is usually contingent on a minimum or a maximum number of shares being sold.
A term loan is a form of debt that is repaid in regular payments over a set period of time. Term loans are typically the simplest form of loans available and are accompanied by either a variable interest rate or a fixed interest rate. There are three primary forms of term loans, short-term, intermediate-term and long-term loans—the longer the term, the higher the interest rate charged.
If you’re considering a term loan, revenue based financing may also be a good alternative.
A term sheet is a nonbinding (sometimes binding) agreement that outlines the financial terms and conditions of an investment, acquisition or business agreement. It opens up future negotiations between two parties, lays out the financial terms of the investment, it plainly states how much the startup is “worth”, and outlines the various provisions or requirements that accompany the investment.
Before signing a term sheet, discuss it with your legal council so that you understand the outlined provisions and their potential implications. Some of the particular provisions to pay attention to include: pay-out provisions, liquidation preferences, option pools and board seat requirements.
Terminal value refers to the value of an asset, business, or product beyond the forecasted period. It is useful when creating financial models, more specifically discounted cash flow valuations. The two most common forms of forecasting used to determine a businesses terminal value include: the perpetual growth model and the exit multiple model. It is possible to achieve negative terminal value if the cost of future capital exceeds the assumed growth rate, but is not sustainable.
Here’s a helpful tool that visualizes the impact of your burn and growth rate on your terminal value, profitability, and break even point.
A 409A valuation is an appraisal of the fair market value (FMV) of the common stock of a private company by an independent third party. Startups typically get their initial 409A valuation before they issue their first common stock options, and after raising a round of equity financing. They typically also request a 409A valuation upon receipt of an acquisition offer. Startups use the findings from a 409A valuation to inform the price at which employees can purchase shares of the company's common stock. A few of the more frequently used independent third parties for conducting a 409A valuation include: Kruz Consulting, Carta, and Shareworks.
504 loans are a form of fixed rate financing that is offered by the Small Business Association (SBA). The maximum amount offered is $5 million, and is typically used for business growth and job creation. It cannot be used for working capital or to consolidate or refinance current debts. To qualify for a 504 loan, the organization must operate as a for-profit company in the USA, have a tangible net worth of less than $15 million and have an average net income of less than $5 million.
For more information on 504 loans, visit the SBA website.
7(a) Loans are offered by the Small Business Association (SBA), and are the most commonly offered loans by the SBA. The maximum amount offered is $5 million, and it is typically used for short-and long-term working capital, to refinance current debt, and to purchase assets/supplies. To qualify for a 7(a) loan, the business must be considered a small business, must operate in the USA, prove they actually need the loan and operate as a for-profit business.
For more information on 7(a) loans, visit the SBA website.
Simply put, an 83(b) election is a document that you send to the IRS that informs them of your intention to be taxed on the date your equity was granted rather than on the date the equity vests. Typically 83(b) elections are made by early employees or startup founders who have the ability to early exercise their options.
Top-down forecasting, in contrast to “bottoms-up forecasting”, refers to the method of estimating future performance by starting with high-level market data, such as the TAM of a business, and working down to your estimated market share to determine projected revenues for the coming year.
Early stage startups typically use top-down forecasting when they don’t have any hard metrics (e.g. revenue, customer lifetime value, churn). As they mature, they transition from the top-down model to the bottoms-up model mentioned above.
The total addressable market (TAM) refers to the overall revenue opportunity for a company if 100% of the target audience purchased their product or service. It is useful for early-stage startups when forecasting future revenues using the top-down method and for prioritizing specific products, customer segments, and business opportunities. It becomes less useful as an organization matures and gathers hard data around its true market opportunity.
Trajectory growth funding, like traditional growth funding, is provided to startups who have demonstrated significant growth over the trailing 3-6months. It is typically equity capital, but can also be non-dilutive debt capital. Funding amounts usually range from $100,000 - $5 million, but can be significantly more. In recent years, startups seeking trajectory growth capital have sought out providers of revenue based financing to fuel their growth.
An underwriter is an individual whose responsibility it is to assess, evaluate and build the risk profile of companies during the underwriting process.
Underwriting refers to the process of evaluating the risk profile of a company based on its fundamentals. The result is oftentimes an offer to provide funding to said organization under certain payback conditions. Startups typically undergo underwriting when they are raising debt capital.
Underwriting fees are charges provided by a financier to a company for underwriting their business—they can range anywhere from a few hundred, to a few thousand dollars.
The use of proceeds document outlines the plan in which a company intends to acquire and deploy new capital injections. Typically it is broken out by functional area/purpose, which is accompanied by a %: e.g. spend 20% of capital to increase headcount by XX, deploy 50% of capital to develop YY product, utilize 30% of capital to launch ZZ marketing campaign.
The valley of death, refers to the point in time in which an early stage company has begun operations, but has not yet generated revenue—resulting in the depletion of the initial equity capital received from investors. Surviving the death valley curve requires that the startup either:
- Generates sufficient revenues to become self-sustainable
- Raised significant capital, is growing rapidly and plans to raise more capital soon
- Has access to more lines of credit or capital to fund their operations
Startup valuation refers to the value of an early stage company taking into account market forces. In periods of economic expansion valuations are stretched, in periods of economic compression valuations are squeezed. Factors that can affect a company's valuation include their: traction, growth rate, revenue, leadership team, industry and competition. In 2022, late stage startup valuations are being slashed almost daily, e.g. instacart, Dbt Labs…etc.
A valuation cap refers to the point in time at which an investor can convert their SAFE into equity in the business, and is based on either a valuation or price target. It “caps” the conversion price of the issued shares and ensures that early investors receive an immediate upside on their equity purchase.
Early stage startups leverage valuation caps to incentive their seed stage investors to take on additional risk. The lower the valuation cap, the larger the percentage of equity the investor will get.
For example, if the current price per share is $5 and the SAFE has a 50% discount, the investors would convert it into shares at $2.50 so that they recognize an increase in value of $2.50 on paper.
Valuation divergence refers to the difference between the growth rate of a company's valuation and the valuation of the shares that investors received. It can be due to a number of factors including: dilution by subsequent investors, and the exchange of a convertible note for equity. Valuation divergence is common in high growth companies and typically ranges from 3-5x.
Variable interest, also known as “floating interest” is a type of interest on a loan that fluctuates over time, due to its nature of being based on an underlying benchmark interest rate or index. Loans with a variable rate are like a double edged sword—they benefit from lower payments when the underlying interest rate market is in decline, but when rates rise the monthly payments spike.
For early-stage companies, when funds are tight, fixed interest loans or revenue based financing options are much more appropriate, because they limit the risk of defaulting.
Venture Capital (VC), not to be confused with Vulture Capital, is a form of private equity that seeks to fund the growth of early stage organizations. Venture capitalists typically also provide financial, legal, technical or managerial assistance, along with warm introductions to early customers and later stage investors when the company has demonstrated a high growth potential. VC funds typically consist of individual investors, investor groups, investment banks and other financial institutions.
Venture debt is a form of debt financing provided to venture-backed companies to fund working capital or capital expenses, such as purchasing equipment. It typically needs to be repaid within three to four years, and often starts out with a 6-12-month interest-only period. Venture debt products typically also come with personal guarantees, covenants, warrants, and other restrictive terms designed to benefit the financier. Some of the most common venture debt providers include: Silicon Valley Bank, and Hercules Capital.
For a more in-depth look at venture debt, check out the comprehensive guide we put together.
A vesting schedule outlines the fixed period in which employees vest their shares, or in other words unlock the right to purchase a portion of their equity. Most vesting schedules for an early-stage startup are four years, with a one year cliff, and monthly vesting after the cliff.
In this example, the employee “unlocks” 1/4th of their stock after one year, and 1/48 of their stock each month thereafter. If they leave after 1.5 years, they have unlocked the ability to purchase 9/24ths of their stock, and forfeit their unvested shares.
In recent times, Coinbase, Lyft and Stripe have reevaluated the traditional approach and have offered their employees a one-year vesting schedule. We expect this trend to continue.
Veto rights give a company’s board of directors the right to refuse to approve a proposal, thus preventing its enactment. A few potential scenarios in which a veto might be leveraged include:
- A proposal increase or decrease the amount of preferred or common stock
- The creation of any new series or class of shares
- The acquisition of another organization
- The sale, dissolution, or liquidation of the company
When negotiating term sheets it is imperative that you understand the rights that your potential investors expect—do not agree to terms that you do not understand or have not discussed with your council. The last thing you want is to have a buyer lined up for your company, or have an acquisition that you want to complete, and the board vetoes you.
A voluntary conversion is the exchange of a convertible type of asset, such as a convertible note, into another type of asset—usually at a predetermined price—on or before a predetermined date. It is voluntary, because the holder of the convertible type of asset has the ability, but not obligation to, execute the exchange.
Voting rights give board members the right to vote on topics discussed in board meetings, such as a funding round, the issuance of new stock, the initiation of mergers and acquisitions and more. Without voting rights, a board member has no say in the direction of the business or the residing management team.
A vulture capitalist is a type of investor that invests in or purchases distressed companies for profit. They typically purchase companies that generate revenue, but are on the verge of bankruptcy due to mismanagement and overspending. Once acquired, they start cutting costs through layoffs, a reduction in benefits, and a sale of exorbitant assets. Occasionally they also split off divisions of the business to recoup their initial investment and minimize their risk.
Warrants give the holder the right (but not the obligation) to purchase stock at a specified price within a specific period of time. They are often used by banks, providers of venture debt and venture capitalists to mitigate their risk and maximize their upside. There are three components of a warrant: the number of shares, the strike price and the expiry date. The terms of a warrant are negotiated based on the risk/return profile of the deal—most warrants translate to 1-2% of the company when executed, but some warrants have been converted to 20%+.
Warrant coverage is an agreement between a company and an investor, where the company issues a warrant to the investor allowing them to acquire shares at a predetermined price. The holder of a warrant coverage has the right, but not obligation to, buy the additional shares of stock. Warrant coverage is typically issued in situations when a higher-than-normal level of risk is present.
There are many reasons why companies offer warrant coverage, the two most significant are to attract more investors and ensure the maximum participation by committed investors.
Waterfall equity is the primary method used to distribute the equity gained from a group or pooled investment (e.g. angel group, angel syndicate, private equity…etc.) The distribution is aligned to the pecking order in which the largest investors, or limited and general partners are granted the largest portion. As a result, they also receive a disproportionately larger share of the total profits relative to their initial investment once an exit event occurs.
Wire transfers, like ACH payments, are a form of electronic transfers from one person or entity to another. They are typically used because they are quick and cheap, as the recipient can access the funds immediately (there are no bank holds).
Working capital is a dollar figure calculated by subtracting a company’s current liabilities, such as accounts payable and debts, from their current assets—such as cash, and accounts receivable. It is used to pay short-term debts, and day-to-day operating expenses.
An X-mark signature is used by an individual who is unable to append their full signature due to illiteracy, disability or another impediment. It is only considered legally valid, if it is witnessed.
Yield is the income returned on an investment by an investor or financier, it’s the same amount as the interest (or discount) paid on a loan. Yield is typically expressed as an annual percentage rate based on the loan's cost, current value, or face value. The higher the yield on an investment, the higher the interest (or discount) paid on an investment is.
Yield advantage equals the difference between the rates of return (yield) on two different securities issued by the same company, e.g. convertible notes vs common stock.
The yield basis is a dollar figure calculated by dividing the principal paid annually. It is quoted as a yield percentage, rather than as a dollar value. It allows bonds (or loans) with varying characteristics to be easily compared.
The yield curve is a chart that depicts how the yields on debt instruments vary as a function of their payback term to maturity. It is used to compare the interest rates (yield) of debt instruments that have equal credit quality but differing maturity dates. There are three main types: normal (upward sloping curve), inverted (downward sloping curve), and flat.
The yield spread represents the difference between the yields on differing debt instruments of varying maturities, credit ratings, and risk levels. It is calculated by deducting the yield of one instrument from another and is typically expressed in basis points (bps).
A Z-tranche is the lowest ranked portion of a split-investment that is paid off only when all the other senior tranches (aka installments) have been satisfied. A z-tranche comes with pre negotiated payment terms and enables investors to get equity in a company at the lower pre-money valuation when they made their initial investment. It also enables investors to gain more equity in the business because their staggered tranches are not self-diluting.
A zero balance account (ZBA) is an account in which a balance of $0 is maintained. It is intentionally kept at $0 to maintain greater control over the disbursement of funds and to minimize the risk of fraud. When funds are needed, money is transferred from a central account. ZBAs are typically used to cover payroll, petty cash and other similar needs.
Zero-based budgeting (ZBB) is a budgeting approach that entails developing a new budget from scratch every period. It ensures that managers think through every dollar they plan to spend, their operating expenses and the areas in which the company is generating revenue. Walgreens, Philip Morris, Unilever, and many others take a zero-based budgeting approach.
A zombie bank is a financial institution that continues to operate despite its liabilities exceeding its assets, its inability to service its loans. It continues its operations through governmental support.
Zombie companies, also known as zombie firms, are organizations that continue operating despite its liabilities exceeding its assets, its inability to service its loans, or its ability to repay the interest on its debts but not the principal. Zombie firms are not common in the US, but they are present—mostly in the manufacturing and retail sectors. They typically rise in periods of economic compression, and fall during periods of economic expansion, and take bailouts in order to continue their operations.
Zombie companies, also known as zombie firms, are organizations that continue operating despite its liabilities exceeding its assets, its inability to service its loans, or its ability to repay the interest on its debts but not the principal. Zombie firms are not common in the US, but they are present—mostly in the manufacturing and retail sectors. They typically rise in periods of economic compression, and fall during periods of economic expansion, and take bailouts in order to continue their operations.
|
economics
|
https://angel-box.net/how-much-do-boxers-make-per-fight-is-that-their-main-income
| 2023-10-04T12:53:39 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511369.62/warc/CC-MAIN-20231004120203-20231004150203-00105.warc.gz
| 0.972611 | 681 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__7057222
|
en
|
Before we delve into the specifics of how much boxers make per fight, it's critical to first understand the business behind boxing. Unlike many other professional sports, boxing doesn't have a centralized governing body or a standardized payment structure. This makes the earning potential for boxers quite variable. Factors such as the weight class, the significance of the fight, and the boxers' popularity all contribute to the purse size.
The earning range for professional boxers is quite broad. On the lower end, a boxer might make a few hundred dollars per fight. However, for top-tier boxers, the earnings can go into the millions. This disparity is primarily due to the aforementioned factors, including the boxer's reputation, fan base, and the significance of the match.
When we talk about a boxer's earnings, we often refer to the "purse," which is essentially the prize money that's up for grabs in a boxing match. The purse is typically split between the two fighters, although the split isn't always even. A well-known boxer with a large following might command a larger share of the purse.
For high-profile fights, pay-per-view (PPV) sales can significantly add to a boxer's earnings. Essentially, the more people who are willing to pay to watch the fight, the larger the purse becomes. In some cases, a portion of the PPV revenue might be directly added to the purse, increasing the boxers' potential earnings.
In addition to their fight earnings, many boxers also generate income through endorsements and sponsorships. These deals can be quite lucrative, particularly for well-known boxers with a significant fan base. Companies are willing to pay substantial sums to have their brand associated with a popular fighter.
Boxers can also earn money through appearance fees and licensing deals. Appearance fees are essentially payments made to boxers for showing up at events, such as press conferences, promotional events, and public appearances. Licensing deals, on the other hand, involve the use of a boxer's name, likeness, or brand for commercial purposes.
Boxing promoters play a significant role in determining a boxer's earnings. Promoters are responsible for organizing and promoting fights, and they often negotiate the purse split between the fighters. A skilled promoter can significantly increase a boxer's earning potential.
While the potential earnings for boxers can be quite high, it's also important to consider the expenses associated with a professional boxing career. These can include training costs, equipment, medical expenses, and the fees paid to trainers, managers, and promoters. These expenses can take a significant chunk out of a boxer's earnings.
For most professional boxers, boxing is indeed their main source of income. However, as we've discussed, there are also many other potential revenue streams, including endorsements, sponsorships, appearance fees, and licensing deals. The importance of these additional revenue streams should not be underestimated, particularly for top-tier boxers.
While the earning potential for professional boxers can be quite high, the reality is that only a small percentage of boxers will ever reach the top tiers of the sport. For the majority of professional boxers, the earnings from boxing may not be sufficient to provide a comfortable living. However, with the right combination of skill, popularity, and business savvy, boxing can indeed be a lucrative career.
|
economics
|
https://www.hoosierarmory.com/pages/price-match
| 2024-04-16T01:00:04 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817036.4/warc/CC-MAIN-20240416000407-20240416030407-00812.warc.gz
| 0.894962 | 395 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__34150177
|
en
|
We will do our best to match any competitor's pre-tax price on any new, identical, immediately available product. Price matching is at our discretion, and we offer no guarantee that every price will be matched.
Price match must be requested before an order is placed. We WILL NOT match a price or refund a transaction amount once your order is placed. We will only match a price on publicly advertised IN STOCK items.
- We must be able to verify the price and availability of the item.
- Out of Stock items will not be matched.
- Item must be identical to the items advertised (Brand, Color, Size, Mfg#, UPC#)
- Competitor's shipping charges will be calculated and factored into the advertised price.
- Competitor's extra fees associated with a transaction (credit card fees, handling fees, transfer fees, etc) will be calculated and factored into the advertised price as well.
- Price matching is at our discretion with no guarantee that we will match every price.
- Coupons may not be used in conjunction with an approved price-match.
- Please note that a competitors listed price on out of stock items may be outdated and inaccurate.
- Please do not place an order unless you are willing to pay and agree to the listed price at the time of purchase.To Request a Price Match Please use our Contact Us page to submit a request before your purchase.
- The Hoosier Armory Item Number
- The Manufacturer Number
- The Company Name to match price with
- The Advertised Price
- The URL of the advertised listing
- Price matching can also be requested by email to : [email protected] with all the above info included.
Thank you for giving Hoosier Armory the chance to earn your business. We ARE your firearms Advocate!
|
economics
|
http://www.oxfordpv.com/News/20161206-Oxford-PV-attracts-a-further-%C2%A381m-funding-and-three-key-strategic-investors
| 2017-04-29T23:15:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917123632.58/warc/CC-MAIN-20170423031203-00604-ip-10-145-167-34.ec2.internal.warc.gz
| 0.948389 | 875 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__231853184
|
en
|
Oxford PV attracts a further £8.1m funding and three key strategic investors
Solar innovator completes second close of Series C funding round
Oxford, UK, 6 December 2016 – Oxford Photovoltaics Ltd (Oxford PV), the pioneering solar technology company, has today announced a further equity investment of £8.1m, adding to the £8.7m first close investment announced on 18 th October 2016.
Importantly, the bulk of this investment has come from three new strategic investors who see the potential of the Company’s technology to revolutionise the global solar market and help create a new, low-carbon future.
The three large, strategic investors are Statoil ASA, Legal & General Capital and a technology-focused, innovative family fund investor. Each of these investors will add strength and opportunity to the technology and its’ route to market.
The company recently (10 th November 2016) announced the acquisition of a pilot line site in Germany and, on 1 st December 2016, announced a Joint Development Agreement with a major solar panel manufacturer to scale the technology towards commercialisation. This additional funding will help accelerate these development activities as well as supporting the next generation product research in the UK.
Frank Averdung, CEO of Oxford PV said, “the company has made tremendous progress over the last year and this has been recognised by being able to attract investors of such high calibre and scale. We are delighted to be working with each of them and together we will bring our perovskite technology to market as quickly as possible. In conjunction with our industry Joint Development partner, our perovskite technology now has a clear path and timetable to commercialisation and the formidable support of global market leaders to enable that to happen.”
John Bromley, Head of Clean Energy Strategy, Legal & General Capital said, “Legal & General Capital is delighted to confirm its investment in OPV. We are fully engaged with the global transition to a low carbon energy system and we want to partner with the leading brainpower-backed British enterprises that will deliver the transformative change needed to provide reliable, low cost clean energy on a global scale. We have taken the time to get to know Oxford PV, and are impressed by the technology, the scientists and engineers, and anexperienced, disciplined management team who we look forward to supporting at this exciting stage of their venture”.
Gareth Burns, managing director of Statoil Energy Ventures said, “Statoil has been an innovator in the energy sector for many decades, from deep sea oil recovery to offshore wind project development. Statoil is supplementing its’ oil and gas portfolio with profitable renewable energy, and in addition to our significant portfolio within offshore wind, we are exploring opportunities within new growth areas, such as solar. The investment in Oxford PV is our first investment within solar technology, and we see it as a great opportunity to be part of a technology development that has the potential to impact the next generation of solar cells.”
Notes to editors
Oxford Photovoltaics Ltd (Oxford PV) is a pioneering solar technology company that was founded in 2010 as a spin-off from the University of Oxford by Professor Henry Snaith. Today, the company’s team of 37 people, including chemists and advanced materials scientists are on a fast-track to commercialising a new perovskite-based technology. Last year, Professor Snaith was honoured by Thomson Reuters as the second most influential scientific mind in the world. The company believes that this technology will enable cell manufacturers in the $100bn solar power industry to boost the performance of their solar cells by around 30 per cent and facilitate new multi-billion dollar markets for the generation of solar power.
Perovskite is the fastest improving solar cell technology ever seen and Oxford PV is leading the global development and commercialisation of this exciting new material.
About Statoil Energy Ventures
Statoil Energy Ventures was established as part of Statoil’s new business area New Energy Solutions, reflecting the company’s aspirations to gradually complement its oil and gas portfolio with profitable renewable energy and low-carbon solutions. The fund will invest up to USD 200 million over a period of four to seven years.
|
economics
|
https://fulton-law.com/category/settlement-planning/
| 2023-10-02T04:46:42 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510967.73/warc/CC-MAIN-20231002033129-20231002063129-00778.warc.gz
| 0.967331 | 157 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__16826013
|
en
|
Social Security and Supplemental Security Income (SSI) beneficiaries will receive a 2.8% cost of living increase (COLA) for 2019. SSI federal monthly payments will become $771 (up from $750) for an individual and $1157 (up from $1125) for a couple.
Margaret H. Fulton and Ashley Clower were pleased to attend CCTLA’s Spring Reception on July 14, 2018. Over 200 people, including attorneys, professionals, and family members attended this wonderful event.
Robinson and Fulton Law were sponsors at the Reception, which benefitted Sacramento Food Bank and Family Services. Over $113,000.00 was raised for this amazing cause. It was an honor to be a part of this event.
|
economics
|
https://blacktrusteealliance.org/job/chief-financial-officer-2/
| 2024-04-17T04:45:23 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817144.49/warc/CC-MAIN-20240417044411-20240417074411-00391.warc.gz
| 0.922383 | 1,536 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__88272817
|
en
|
Reporting to the Deputy Director, the Chief Financial Officer (CFO) serves as a key member of the management team at the Whitney Museum of American Art. The CFO is responsible for planning and oversight of the Museum’s financial activities, including an annual operating budget of approximately $70 million. Working closely with the Museum’s leadership team, colleagues across the Museum, and with the Finance, Audit and Investment Committees of the Board of Trustees, the CFO will have responsibility for organizing short- and long-term financial planning activities, performance analyses, risk management, financial reporting, and cash/ liquidity management.
The CFO oversees all Finance, Treasury and Accounting functions including, but not limited to, operating & capital budgets, annual audit, financial reporting systems, insurance and tax related information. In addition, the CFO has oversight of the Museum’s investment portfolio under the direction of the Investment Committee of the Board. Above all, the CFO will be a proactive strategic partner with the Museum’s leadership team in enabling the Whitney’s institutional priorities through proactive & rigorous financial planning.
- Direct, supervise, and improve the Museum’s financial and budget planning processes to sustainably fund programs and operations, deliver on high-priority capital projects, and increase efficiency
- Monitor financial performance across the Museum through clear and consistent metrics and measures of success. Advise on opportunities for revenue enhancement, cost efficiencies, process improvements and related policy changes
- Drive long-range financial planning initiatives across the Museum to enable diversified revenue growth and a positive operating bottom line
- Working closely with the General Counsel, design and oversee museum-wide financial risk management policies and procedures
- Provide periodic updates on the Museum’s financial performance to staff with a view to reinforcing connections between departmental/ project budgets and the Whitney’s mission and strategic priorities
- Provide periodic updates and financial reporting to the Finance Committee of the Board of Trustees including operating results, emerging financial opportunities, risks, trends and key performance metrics
- Engage the Board’s Finance Committee in review and approval of short- and long-term financial goals and related strategies
- Working with senior management, continuously develop and recommend course-corrective actions to address emerging financial risks
- Provide financial leadership and support in the execution of the Museum’s strategic plan.
- Manage the Whitney’s ongoing debt program with strategic guidance from the Museum’s leadership team and Board of Trustees. Working with external advisors and the internal finance team, oversee the negotiation, execution, and management of tax-exempt bond financings and credit facilities, including ongoing compliance with legal and reporting requirements
- Enable data-driven decision making across all Whitney functions; help clarify links between departmental operations and the financial results of the organization
- Partner with department leadership teams in developing performance targets, monitoring performance, and creating remediation plans
- Act as a fiduciary on the Retirement Plan Investment Committee
- Oversee the Museum’s Controller in coordinating the annual audit of the Museum’s financial statements and tax filings including the annual IRS Form 990
- Strengthen the capabilities of the Finance organization, through a combination of people development, retention and recruiting efforts
- Bachelor’s degree in Finance, Accounting, Economics or other quantitative or business-related discipline required; MBA/CPA preferred
- Minimum ten years of progressive experience in a senior level financial management role
- Experience at a cultural institution or other mission-driven non-profit organization preferred
- Excellent analytical, verbal and written communication, and presentation skills required
- Strong communicator with ability to make financial information accessible and comprehensible to stakeholders from a variety of backgrounds. Must be able to connect finance to the Museum’s mission and values.
- Strong executive presence and demonstrated ability to develop positive executive relationships. Experience working with governing boards and committees is helpful but not required
- Excellent planning, financial management, and organizational skills
- Strong work ethic along with effective leadership, management, team building, and supervisory skills; accustomed to working in a team-based/collaborative environment
- Able to operate with transparency and with the highest degree of ethics at all times
- Operationally oriented, with the ability to bring practical insights and solutions to critical financial decisions and initiatives across the Museum
- Able to manage and develop financial talent within the organization
Compensation & Benefits
- Salary range is $250,000 - $300,000 and will be commensurate with experience
- Medical, Dental, Vision, 403(B) elections
- Generous Paid Time off benefits
- Commuter benefits - parking and mass transit
- Admission to world-renowned museums across the city and nationally
- Pet insurance and discounted membership for Citibike
The advertised pay scale reflects the good faith minimum and maximum salary range for this role. The advertised pay scale is not a promise of a particular wage for any specific employee. The specific compensation offered to a candidate may be dependent on a variety of factors including, but not limited to, the candidate’s experience, education, special licensing or qualifications, and other factors.
Not sure you meet 100% of our qualifications? Research shows that men apply for jobs when they meet an average of 60% of the criteria. Yet, women and other people who are systematically marginalized tend to only apply if they meet every requirement. If you believe that you could excel in this role, we encourage you to apply. We are dedicated to considering a broad array of candidates, including those with diverse workplace experiences and backgrounds. Whether you’re new to arts and culture administration, returning to work after a gap in employment, simply looking to transition, or take the next step in your career path, we will be glad to have you on our radar. Please use your cover letter to tell us about your interest in the arts and culture space and what you hope to bring to this role.
About the Whitney:
The Whitney Museum of American Art, founded in 1930 by the artist and philanthropist Gertrude Vanderbilt Whitney, houses the foremost collection of American art from the twentieth and twenty-first centuries. From her vision arose the Whitney Museum of American Art, which has been championing the most innovative art of the United States for 86 years. The core of the Whitney’s mission is to collect, preserve, interpret, and exhibit American art of our time and serve a wide variety of audiences in celebration of the complexity and diversity of art and culture in the United States. Through this mission and a steadfast commitment to artists themselves, the Whitney has long been a powerful force in support of modern and contemporary art and continues to help define what is innovative and influential in American art today.
The Whitney Museum of American Art is an Equal Opportunity Employer. The Museum does not discriminate because of age, sex, religion, race, color, creed, national origin, alienage or citizenship, disability, marital status, partnership status, veteran status, gender (including gender identity), sexual orientation, or any other factor prohibited by law. The Museum hires and promotes individuals solely on the basis of their qualifications for the job to be filled. The Museum encourages all qualified candidates to apply for vacant positions at all levels. This description shall not be construed as a contract of any sort for a specific period of employment.
Please apply through the Whitney Museum of American Art's careers page.
|
economics
|
https://khudabukshlegacy.com/what-does-liquidity-refer-to-in-a-life-insurance-policy/
| 2024-04-16T20:23:38 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817106.73/warc/CC-MAIN-20240416191221-20240416221221-00553.warc.gz
| 0.924608 | 2,749 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__31160389
|
en
|
Life insurance policies come in many forms, each with its own unique features, benefits, and drawbacks. One aspect that varies greatly between policies is liquidity – that is, how easy or difficult it is to access the policy’s cash value while the insured is still living. In this blog post, we will explore what does liquidity refer to in a life insurance policy, the difference in liquidity between permanent and term life insurance, and the pros and cons of policies with high and low liquidity. Read on for a comprehensive overview of what does liquidity refer to in a life insurance policy?
Permanent vs Term Life Insurance
To understand liquidity as it relates to life insurance, we must first distinguish between permanent life insurance and term life insurance.
Term Life Insurance
Term life insurance provides coverage for a specified period of time, such as 10, 20, or 30 years. It pays out a death benefit to your beneficiaries if you pass away during the coverage term. Term policies do not build cash value – the money you pay in premiums is only buying you a death benefit. If you outlive the term length, the coverage expires unless you choose to renew it. Most term policies have very low liquidity – you cannot access any funds from the policy while alive, as there is no accumulating cash value.
Permanent Life Insurance
So, what does liquidity refer to in a life insurance policy?
Permanent life insurance provides lifelong coverage as long as you continue to pay the premiums. Unlike term, permanent policies have an investment or savings component in addition to the death benefit. The money you pay into premiums above and beyond the cost of life insurance is invested by the insurer into conservative assets like bonds and mortgages. This generates cash value within the policy that grows over time on a tax-advantaged basis. As the cash value grows, you have the option to borrow against some of these funds or withdraw accumulated dividends. This means permanent policies generally have higher liquidity than term insurance. Types of permanent life insurance include whole life, universal life, variable life, and variable universal life. We’ll explore the liquidity profiles of some common permanent life policies next.
Liquidity in Different Types of Permanent Life Insurance
What does liquidity refer to in a life insurance policy? And what are the different types of life insurance?
Whole Life Insurance
Whole life is the most traditional type of permanent life insurance. Premiums and death benefits are fixed and guaranteed, policies accumulate cash value at a steady, agreed-upon interest rate, and coverage lasts for life. The cash value in a whole-life policy grows very predictably over many decades. Loans can typically be taken against a portion (e.g., 75-90%) of the cash surrender value, allowing policyholders to tap funds from the policy. However, withdrawals in excess of policy premiums generally cannot be made until later years once substantial cash value has accumulated. For this reason, whole-life policies have moderately high liquidity that increases over the duration of the policy.
Universal Life Insurance
So, what does liquidity refer to in a life insurance policy, especially in universal life insurance?
Universal life insurance offers more flexibility than whole life in terms of premium payments and death benefit amounts. Policyholders can pay the premiums needed to keep the policy active, adding more funds whenever they choose to increase the death benefit or cash value. Excess premiums get credited to the cash account, where they earn interest based on current market rates. Policyholders can also access the cash account via loans or withdrawals so long as sufficient funds remain to cover insurance costs and keep the policy active. For these reasons, universal life insurance offers very high liquidity that allows access to accumulated cash at any time.
Variable Life Insurance
Variable life insurance links cash value growth to equity market performance. Rather than earning steady guaranteed interest, excess premiums get invested into investment subaccounts chosen by the policyholder. These funds can include stocks, bonds, money market instruments, or certain alternatives. Cash value will fluctuate up and down over time with the performance of the underlying investments. Most variable life policies allow policyholders to take out loans against their cash value at any time. Withdrawals may be restricted until the cash value reaches a certain threshold. Overall liquidity depends on investment performance but is generally high.
The Pros and Cons of High and Low Policy Liquidity
The ability to access a policy’s accumulated cash via loans or withdrawals certainly adds an element of liquidity.
Some of the key benefits include:
- Funds can be used to help supplement retirement income or cover unexpected expenses without needing to lapse or surrender the policy
- The policy remains in force, so beneficiaries still receive a death benefit when the insured passes away
- Cash value continues growing on a tax-advantaged basis, which can be accessed in the future if needed
- Taking a loan rather than withdrawing funds allows cash value to keep earning interest
However, high liquidity also comes with some potential drawbacks:
- Loans accrue interest charges, which reduce overall cash value if not repaid
- Frequent or high amounts of withdrawals can threaten the policy if the remaining funds cannot cover insurance costs
- Less cash value remaining means lower death benefits paid out to beneficiaries
On the other hand, low liquidity life insurance policies like term insurance have pros and cons as well:
- All premium dollars buy death benefit coverage rather than building cash value
- Can allow higher death benefits with a lower premium outlay
- Term policies typically expire when cash starts accumulating, so there is no need to worry about liquidity
- No ability to access any funds from the policy while the insured is alive
- Higher risk that insurance coverage will lapse if premiums become unaffordable
- No cash value will be paid to the policyholder if term coverage expires
So, what does liquidity refer to in a life insurance policy? As you can see, liquidity involves some tradeoffs with other policy features. Striking the optimal balance depends greatly on each person’s financial situation and needs.
Who Might Value Higher or Lower Liquidity?
Understanding how liquidity aligns with policyholder objectives can help guide the type of life insurance to choose.
Those Who May Value High Liquidity:
- Retirees seeking supplemental income from the policy cash value
- Business owners funding buy-sell agreements tax-efficiently
- Households needing access to funds in case of income disruption
- Families wanting to earmark cash value for future education costs
- Individuals using life insurance for retirement planning
Those Who May Value Low Liquidity:
- Young households on tight budgets need maximum death benefit
- Singles with limited savings needing final expense coverage
- Families with sufficient emergency funds
- Earners max out retirement accounts yearly
- Seniors no longer need life coverage
What does liquidity refer to in a life insurance policy, and how do you find the right balance? Finding the right balance comes down to honestly assessing potential needs for income during life, along with the ability to keep up with premium payments. An experienced insurance agent can help match policies to priorities.
Using Life Insurance to Fund Buy-Sell Agreements
What does liquidity refer to in a life insurance policy, and how to use life insurance to fund buy-sell agreements?
Buy-sell agreements are crucial tools for business partners and shareholders to legally establish inheritance plans and business continuation in the event of a part-owner’s death. Funding those agreements with permanent life insurance allows business owners to access cash value and guaranteed payout during life transitions.
Of the policy types, whole life insurance provides the most cash accumulation for buy-sell funding. Compared to cheaper terms, permanent policies provide reliable cash values guaranteed by the life insurer while also paying out a tax-free death benefit to the remaining business owners. Annual premium amounts should be structured to adequately achieve both objectives. Dedicated financial advisors can recommend specific policies and designs based on the shareholders’ buyout agreements.
The written buy-sell agreement should remain separate from insurance trusts and require the business itself to purchase a deceased owner’s shares. This way, cash values, and death benefits avoid becoming personal assets on tax returns or probate filings. Upon an owner’s passing, policy proceeds fund the mandatory share purchase, and operations continue uninterrupted via the succession plan outlined in the buy-sell pact. The life insurance policy is used for its intended purpose.
Sound buy-sell arrangements lock in insurability when all owners are young and healthy. This keeps costs low over decades and ensures adequate coverage through retirement. Policies can remain in force to advanced ages or get amended if partners change. Either way, permanent life insurance funding offers reliable liquidity amid ownership transitions while allowing cash value accumulation when not immediately needed.
Managing Life Insurance Policies Across Different Life Stages
You may wonder, what does liquidity refer to in a life insurance policy, especially when it comes to managing life insurance policies?
The cash value and living benefits within permanent life insurance make it an ultra-long-term asset. Optimal usage often changes across life stages as financial situations evolve over decades.
In earlier working years, policyholders focus on accelerating cash value accumulation through dedicated premium funding above mortality costs. This builds a strong base for later withdrawals. Upon entering peak earning years, aim for maximized death benefits to secure family protection, fund estate taxes, and satisfy business buy-sell needs.
Once costs like mortgages and college tuition subside and retirement nears, shift towards optimizing policies for supplemental income. This may involve exchanging to types offering better withdrawal provisions, annuitization riders, or loans against high cash values. Such adjustments align payouts with post-career income gaps rather than legacy planning.
Later in retirement, insured individuals holding overly large death benefits can reduce face amounts to achieve partial windfalls that are re-deployable for enjoyment purposes. Policies no longer needed for family protection or business continuity may convert to pure legacy-building assets giftable to heirs.
Life insurance can remain relevant across every chapter of life when appropriately structured for each era’s priorities. Assessing liquidity requirements as part of strategic reviews helps policyholders modify plans over time and maximize short and long-run value from these powerful financial instruments.
Managing Policy Loans to Minimize Interest Charges
Policyholders seeking income from permanent life insurance cash values often turn to loans as a preferable means of accessing funds without tax consequences or surrender charges. However, loans accrue interest annually, so balances can shrink cash value growth if left unpaid. Strategic repayment tactics can minimize interest costs.
The most cost-effective approach involves deliberately planning loans in alignment with other income events. For example, retirees could withdraw funds to cover expenses in years when IRA-required minimum distributions to create excess taxable income. Loans get repaid automatically when policy owners receive their next RMD payout.
Alternatively, loans taken early in retirement can wait for repayment until annuity payments or pension benefits commence later on. The key is sequencing loan utilization with the upcoming receipt of other retirement cash flows for convenience.
Retirees should also compare current policy loan interest rates with rates earned on other assets like bonds or CDs. If policy interest exceeds portfolio yields, focus on repaying loans quickly to maximize net returns across holdings. An integrated strategy optimizes overall results.
Maintaining strong communication channels with life insurers aids in timely loan management. Seek rate alerts on policy interest owed and repayment reminders as the due dates approach. Mobilizing payments out of a dedicated cash account avoids forgetting and compounding interest. Actively monitoring obligations keeps policies working at peak efficiency.
Evaluating Riders and Policy Charges Impacting Net Liquidity
Here comes the question: What does liquidity refer to in a life insurance policy, and how does evaluating riders and policy charges impact net liquidity?
Policy riders that customize coverage along with fees deducted from premiums shape how much liquidity remains for income purposes. Carefully determining tradeoffs boosts net cash value accumulation.
Common riders like waiver of premium for disability or terminal illness help continue death benefits and cash value intact if health fails. However, the additional charges siphon some cash potential in non-claim years. Weigh the value of each rider against ongoing costs.
Compare expense loads across providers using universal life insurance illustrations outlining estimated future cash values minus projected fees over decades. High fees drain liquidity that is transfusable to income over time.
Also, scrutinize margins between a policy’s credited interest or investment returns versus loan interest charged. Look for minimal spreads indicating fair rates and maximum earnings retained inside the policy. Narrower margins compound gains faster for income utilization down the road.
Running break-even calculators help decide if certain riders warrant their expenses based on health risk factors and financial loss tolerance. Likewise, projecting accumulated differences in high-fee versus low-fee policies aids provider selection. Inspecting these liquidity impacts optimizes the structure.
The Bottom Line
What does liquidity refer to in a life insurance policy? Understanding liquidity as it relates to life insurance is important when choosing a policy that aligns with your financial objectives. Term life insurance offers pure death benefit protection, while permanent policies allow policyholders to access cash value through loans and withdrawals. Ultimately, whether high liquidity or low premium cost takes priority depends greatly on each person’s unique financial situation and coverage needs. An agent can help you weigh these tradeoffs. Through the wise choice of policy type and features, life insurance can remain in force to protect your loved ones while also supporting income needs during your lifetime if structured accordingly.
|
economics
|
https://knoxandjamie.com/green-light/shoe-dog/
| 2024-04-21T12:08:33 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817765.59/warc/CC-MAIN-20240421101951-20240421131951-00349.warc.gz
| 0.97274 | 317 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__113383330
|
en
|
The biography of the bombastic Nike icon, Phil Knight.
In 1962, fresh out of business school, Phil Knight borrowed fifty dollars from his father and created a company with a simple mission: import high-quality, low-cost athletic shoes from Japan. Selling the shoes from the trunk of his lime-green Plymouth Valiant, Knight grossed $8,000 his first year. Today, Nike's annual sales top $30 billion. In an age of start-ups, Nike is the ne plus ultra of all start-ups, and the swoosh has become a revolutionary, globe-spanning icon, one of the most ubiquitous and recognizable symbols in the world today.
But Knight, the man behind the swoosh, has always remained a mystery. Now, for the first time, in a memoir that is candid, humble, gutsy, and wry, he tells his story, beginning with his crossroads moment. At 24, after backpacking around the world, he decided to take the unconventional path to start his own business - a business that would be dynamic, different.
Knight details the many risks and daunting setbacks that stood between him and his dream - along with his early triumphs. Above all, he recalls the formative relationships with his first partners and employees, a ragtag group of misfits and seekers who became a tight-knit band of brothers. Together, harnessing the transcendent power of a shared mission and a deep belief in the spirit of sport, they built a brand that changed everything.
|
economics
|
https://blogdotknowingerdotcom.wordpress.com/2013/10/16/how-to-set-your-tutoring-teaching-rate-part-6/
| 2018-07-22T01:06:57 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676592875.98/warc/CC-MAIN-20180722002753-20180722022753-00604.warc.gz
| 0.958184 | 883 |
CC-MAIN-2018-30
|
webtext-fineweb__CC-MAIN-2018-30__0__248472097
|
en
|
The pricing decision is a crucial one when starting your tutoring or private teaching business. I highly recommend doing a bit of market research as there is an enormous range in the prices in this market. You need to find the RIGHT rate for YOUR services; you don’t want to sell yourself short, but you still need enough students to pay your bills.
How do you determine the right lessons fee for your teaching business?
1. Do Your Own Research
Start with looking around to see what other teachers or tutors charge for their classes. Call teachers offering similar classes and ask for their rates. There are a lot of online forums out there where you can ask other teachers about their fees. Another option is to check Craiglist or Gumtree to see what what is the average rate in your area.
TIP: Do not charge less than your competition! Why? First, it sends a signal that you are an amateur without experience. There are people out there who are willing to pay a premium for a reputable teacher. Second, it is always easier to lower your price if you’re not able to attract students at that rate.
2. Consider Your Location
Your location is one of the most important aspects to determine your tutoring rate. In general, prices are higher in big urban areas than in rural regions. You should also take into account your local economy. What does a term of music lessons or dance classes cost? This should give you a rough idea of how much are people willing to pay for extracurricular activities in your area.
3. Evaluate Your Experience
Do you have more or less experience than other tutors who offer comparable classes? Do you have special skills that are currently in high demand? Have you received any awards for your work or do you have extensive performance experience? Naturally, the more experience you have, the more you can charge for your lessons. Have a good think about what sets you apart and what you can offer to your students.
4. Consider Your Educational Background
What is your highest degree of education? Someone with a PhD can usually charge a lot more than someone with a BA. Do you have a pedagogical background or did you do some kind of a teacher training? Do you have the necessary qualifications to work with children in your country?
As a rule of thumb, any credentials you can show to your prospective students can help. Some parents might place quite a lot of importance on degrees and prefer to pay more for a well educated and experienced tutor or private teacher.
5. Define Your Target Market
Are you targeting higher income individuals or poorer families? Why do your students attend your classes? Do they need a certificate at the end of the course? Another important factor is the size of the group – Are you offering individual, small group or large group classes?
6. Think About the Nature of Your Subject
Some disciplines require a significant time for preparation while others are not as time-consuming. Do you need to spend a lot of time studying and improving your skills yourself? Are the study materials expensive? Does your subject require a special qualification which is hard to obtain? If you are teaching common subjects such as English or Maths, you normally cannot charge as much for your classes as someone offering specialized IT training.
7. Factor the Distance you Have to Travel
If you offer private lessons at your students’ home, you are likely to spend many hours travelling. Don’t forget to factor this time to your rates as you would otherwise sell yourself short and end up being frustrated with how much you get paid per hour. On the other hand, if you teach at a particular location, this factor is probably irrelevant for you as you have one base for all your classes.
At the end of the day, the amount you can charge for your services depend on the students’ willingness to pay. It’s all about supply and demand and you need to find your sweet spot. Charge everyone exactly the same fee. You don’t want people to find out that someone else is paying less for your classes.
Do you have any other tips on how to determine a lessons fee? I’d love to hear your thoughts, so please share your comments below.
Did you like our post? Keep in touch for more updates and great links:
|
economics
|
https://www.giantit.net/post/top-reasons-small-businesses-hire-or-switch-managed-service-providers-msps
| 2023-12-06T08:07:13 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100583.31/warc/CC-MAIN-20231206063543-20231206093543-00691.warc.gz
| 0.942234 | 551 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__153527544
|
en
|
Top Reasons Small Businesses Hire or Switch Managed Service Providers (MSPs)
Small businesses may decide to hire a Managed Service Provider (MSP) or switch to a different MSP for various reasons. Some of the most common factors include:
Cost savings: Hiring an MSP can be more cost-effective than maintaining an in-house IT team, as it allows small businesses to access a wide range of IT expertise without the expense of hiring full-time staff. Additionally, MSPs often provide predictable pricing models, which help small businesses budget their IT expenses more effectively.
Access to expertise: MSPs have a team of skilled IT professionals with expertise in different areas, such as network management, cybersecurity, data backup, and cloud services. Small businesses can benefit from this expertise to keep their IT infrastructure up-to-date, secure, and running efficiently.
Scalability: As a small business grows, its IT needs may change. MSPs can scale their services to accommodate a company's growth, providing additional resources and support when needed, without requiring the business to invest in new hardware or hire additional IT staff.
Proactive maintenance: MSPs typically offer proactive maintenance and monitoring, which can help identify and resolve potential IT issues before they become critical. This helps small businesses minimize downtime and maintain productivity.
Improved security: MSPs can help small businesses implement robust security measures to protect their sensitive data and IT infrastructure from cyber threats. This is particularly important as cyberattacks on small businesses continue to rise.
Compliance: Small businesses operating in regulated industries may need to meet specific IT compliance requirements. MSPs can help ensure their IT infrastructure and processes meet these requirements, reducing the risk of non-compliance penalties.
A small business may decide to switch MSPs for several reasons, including:
Poor service quality: If a small business is dissatisfied with the quality of service provided by their current MSP, they may decide to look for a better provider.
Lack of expertise: If the current MSP is unable to meet the evolving IT needs of the small business or lacks expertise in a specific area, the business may choose to switch to a different provider.
Cost concerns: A small business may switch MSPs if they find a more cost-effective option or if their current provider raises prices without offering additional value.
Communication issues: A lack of clear communication or responsiveness from the current MSP can lead to dissatisfaction and prompt a small business to seek a new provider.
Better fit: Sometimes, a small business may find an MSP that better aligns with their company culture, goals, or specific requirements and decide to make a switch.
|
economics
|
http://shanghaislook.com/index.php/property/2280/en
| 2020-08-09T02:59:58 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439738380.22/warc/CC-MAIN-20200809013812-20200809043812-00119.warc.gz
| 0.703281 | 1,317 |
CC-MAIN-2020-34
|
webtext-fineweb__CC-MAIN-2020-34__0__79915276
|
en
|
一、Monaco Residency / Citizenship 摩纳哥永居／公民
Program Information 项目信息
1、Anyone who is at least 16 years of age and wishes to reside in Monaco for more than three months in a year, or set up home in the Principality, must apply for a residence permit from the Monégasque authorities.
2、Monaco, a Mediterranean city-state located on the Cote D'Azur, in the South of France, is a de-facto member of the Schengen Area. The principality is considered as one of the most ideal places of residence in Europe due to its high-class leisure facilities, a pleasant climate, and favorable tax system.
3、Monaco residents benefit from no personal income tax, making the principality a main choice for high-net worth individuals wishing to relocate to Monaco as their main place of residence. The country has produced streamlined legislation to create an efficient process by which applicants may obtain a residence permit - and if so desired.
4、The Monaco permanent residency card ("Carte de Sejour") allow applicants to live in Monaco indefinitely. Permanent residency is granted on the basis of demonstrating proof of accommodation and proof of financial self-sufficiency.
摩纳哥永久居留证（“Carte de Sejour”）允许申请人无限期居住在摩纳哥。永久居留权是在证明住宿证明和经济自给自足证明的基础上授予的。
5、The Monaco Citizenship offers affluent persons of impeccable standing to receive the Monaco citizenship and passport after ten years in permanent residency status.
6、Qualified candidates include international business executives, investors, entrepreneurs, public figures, celebrities, VIPs, and important persons - many of which are are active worldwide - who meet the minimum application requirements.
7、Applicants consider an alternative citizenship and passport a powerful tool for international tax planning and as a safety net should the living conditions at home become undesirable.
二、Application Requirements 申请条件
All applicants for Monaco residency must show proof of accommodation. The accommodation must be appropriate for the size of the applicant's family. Proof of accommodation can take the following forms:
#1: Real Estate Purchase. The applicant invests in property in Monaco. There is no minimum transaction value, but be advised that Monaco real estate is some of the most expensive per square meter in all of Europe due to the city-states small size. The proof of real estate ownership, to be submitted at the time of filing the residency/citizenship application, includes a copy of the deed/purchase contract.
#2: Real Estate Rental. The applicant leases an apartment for a minimum duration of one year. The size of the apartment must be sufficient for the size of the applicant's family. For example, an applicant with a family of four persons should rent an apartment with at least 2 bedrooms to meet the proof of accommodation test. There is no minimum monthly rental cost that must be met. The proof of an apartment rental, to be submitted at the time of filing the residency/citizenship application, includes a copy of the rental contract.
#3: Corporate Real Estate Ownership. The applicant is a director or unit holder of a company which owns a house or apartment in Monaco. The proof of corporate real estate ownership, to be submitted at the time of filing the residency/citizenship application, includes a copy of the deed/purchase contract.
#4: Living with a Close Relative. The applicant is staying with a close relative, a spouse, or a partner with whom the applicant is living as a couple. The proof to be submitted at the time of filing the residency/citizenship application, includes a document signed by the owner of the property and a copy of the home owner's deed/purchase contract or rental contract.
Above all information, you have to match one
三、Every pplicant must demonstrate financial self-sufficiency. The intent here is to show the Monaco government that applicants can support themselves and their families while living in Monaco.
#1: Bank Account Deposit. The applicant opens a bank account in his/her name at one of Monaco's many banks and deposits at least EUR 500,000-EUR1,000,000. The actual amount depends on the bank selected; some banks have higher minimum requirements. Monaco imposes no restrictions on foreigners opening bank accounts or owning real estate in the principality. The proof of deposit, to be submitted at the time of filing the residency/citizenship application, is an official letter issued by the Monaco bank.
#2: Employment Contract. The applicant demonstrates paid employment with a Monaco company. The proof of deposit, to be submitted at the time of filing the residency/citizenship application, is a copy of the employment contract and a letter issued by the Monaco government authorizing the company to offer employment to the applicant.
#3: Company Formation. The applicant forms a new company in Monaco, providing at least ten new jobs to Monaco citizens or residents. Authorization to form a new company is to be obtained from the government. The proof of a new company to be formed, to be submitted at the time of filing the residency/citizenship application, is a copy of the government's authorization letter.
#4: Support from a Close Relative. The applicant is financially supported by a close relative, a spouse, or a partner with whom the applicant is living as a couple.
More information, contact: Maryanne M
MP电话：+ 86 13621601876
Office Address办公室地址： 上海市徐汇区淮海中路1256号
1256 Huaihai Middle Rd, Xuhui District, Shanghai China 200030
|
economics
|
http://simoniscloth.com/about/history
| 2022-08-08T04:31:27 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570765.6/warc/CC-MAIN-20220808031623-20220808061623-00289.warc.gz
| 0.962761 | 1,530 |
CC-MAIN-2022-33
|
webtext-fineweb__CC-MAIN-2022-33__0__192022002
|
en
|
A History of Iwan Simonis and Cloth Production in Belgium
1. Establishment of the Simonis factory
The town of Verviers, Belgium is in the flat basin formed by the valley of the Vesdre River. The water there was of such high quality, thanks to its low lime content, that it was particularly suitable for washing wool.
It was in this valley that the Simonis factory was set up in 1680 by Guillaume Henri Simon Simonis, a middle-class Verviers merchant born in the town in 1640 and known as “le Mercier” (“the haberdasher”).
The company itself was established on a more permanent footing by Jacques Joseph Simonis and was named after his son Iwan, who was born in Verviers in 1769. Today the name Iwan Simonis is now synonymous worldwide with the highest quality billiard cloth.
2. William Cockerill
At the end of the eighteenth century, a spinner in Verviers would work with a single spindle, whereas in England, the Industrial Revolution had already resulted in machines being used for spinning wool. The British government threatened anyone who exported this technique with permanent exile, in order to protect the country’s monopoly.
Nevertheless, William Cockerill, a young British engineer, departed for Sweden in 1797 with the blueprints for his famous wool-spinning mill. However, no one seemed to be interested in his ideas, and he eventually ended up in Hamburg. There, he met a wool buyer from Simonis who realized the value of this technique, which had until then been unknown on continental Europe.
This pioneer in the field was invited to Verviers with his family and signed a contract in which he agreed to produce spinning machines exclusively for his new employer. The first machine was constructed in 1797 in the building known as “Au Chat”, (the cat).
Incresed success followed, which, in addition to being able to compete with the English on level terms, provided Simonis with a major technological advantage over its continental competitors.
3. The golden age
This spinning machine was only the first of many technological innovations that were to see the light of day in Verviers at the beginning of the nineteenth century. These inventions included machines for carding and spinning wool, longitudinal shearing machines and the Leviathan, which was used to clean the wool.
In addition, electricity, the steam engine and the coming of the railways increased capacity in terms of both production and transport to levels never seen before. In this same period, the bill of exchange became widespread in commercial exchanges, seeing as it had the advantage of eliminating the risks associated with transporting and using cash, in the form of gold or silver coins, for business transactions.
In 1857, demand from the wool industry in Verviers led to a plan to build a dam in the area, in order to supply all the local textile companies with pure water of equal quality. This dam, at La Gileppe, with a capacity of 12 million cubic metres, was inaugurated in 1878.
All these innovations, plus an abundant supply of skilled labour, made Verviers a prosperous town and a center of the wool industry, like its competitors Bradford (England), Mönchengladbach (Germany), and Roubaix (France).
4. The two World Wars
During the First World War, there was a sharp reduction in the trade in woolen cloth because of the shortage of raw materials.
Then came the economic crisis between 1929 and 1935, which caused a further decline in industrial activity, especially in the Verviers area. Production was cut and workers were laid off.
The Second World War followed and, like the first, led to a shortage of wool. However, there was worse to come. At the end of the War, the Allies mistakenly bombed Simonis’s spinning mill, and this prevented the company from playing a full part in the recovery in business life that followed.
From then on, the textile industry in Belgium, along with that in the rest of western Europe, continued to decline, and Simonis’s operations were no exception. Simonis therefore had to close or sell some divisions, such as spinning, haberdashery, the production of woven garments, and the combing, scouring and carbonising of wool.
5. Peltzer & Fils
Peltzer & Fils, a celebrated company in its own right, was established in 1785 by Jean Henri Peltzer, from Stolberg, in Germany. The company was set up at Hodimont, which is now part of the district of Verviers, but which at the time was part of the Duchy of Limburg, a Dutch territory belonging to the Hapsburgs.
The company continued to expand, and a subsidiary was established in Buenos Aires in 1849 and another in Poland in 1885.
In 1961, the activities of S.A. Simonis and Peltzer were combined and the Société Anonyme des Draps et Filés Iwan Simonis (or the Belgian public limited company Iwan Simonis Cloth) was created, with an emphasis on commercial continuity. The capital of this company was fully subscribed by the PELTZER group.
The growth in demand for Iwan Simonis cloth in North America led to the creation in 2000 of the subsidiary Iwan Simonis Inc., at Gurnee, near Chicago, Illinois (USA). Iwan Simonis, Inc. subsequently moved to a larger facility in Libertyville, Illinois (USA) in January of 2010. Iwan Simonis billiard cloth is now exported from the production site in Belgium to more than 50 countries, on every continent.
In 2005, the Iwan Simonis companies celebrated their 325th anniversary and in 2013, the companies reached the one-third millenium mark of 333 years. Unfortunately, a fire destroyed the company archives in 1982, and so the exact date on which the manufacture of billiard cloth began is not known. Nevertheless, for over two centuries, generations of technicians and skilled workers have been producing our world-famous, superior-quality billiard cloth, which others try to imitate, but always in vain.
Our large factories contain the very latest specialist equipment, and our technicians are constantly monitoring and improving the quality of Iwan Simonis cloth. This is why, throughout the world, the Simonis Brand means the very best in billiard cloth.
To the owners of billiard tables or billiard clubs, and to players, Iwan Simonis cloth means the highest efficiency, a perfect roll and absolute precision.
In 2012, Iwan Simonis S.A. acquired Saluc S.A., the manufacturer or the world-famous Aramith® brand billiard balls and the revolutionary Fusion™ table line.
In 2016, Iwan Simonis S.A. acquired WSP Textile of England, the manufacturer of the world-famous Strachan® snooker cloths and Playne's tennis ball cloths.
Today we manufacture a complete range of pool, snooker, carom and pyramide cloths and balls, to suit the characteristics of every type of game played on a billiards table throughout the world.
...and the story continues...
|
economics
|
http://broadbandrf.org/donations/
| 2024-03-01T20:43:27 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475701.61/warc/CC-MAIN-20240301193300-20240301223300-00541.warc.gz
| 0.933206 | 268 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__45742495
|
en
|
Your Donations Help
We are the Rural Broadband Foundation, a nonprofit organization that works to bring high-speed internet access to rural communities across the country. Your donations help in making that possible.
Make a Donation
Did you know that more than 14 million Americans living in rural areas lack access to broadband internet, which is essential for education, health care, business, and social connection? Without broadband, rural residents are at a disadvantage in terms of economic opportunity, quality of life, and civic engagement.
That’s why the Rural Broadband Foundation is dedicated to advocating for policies and programs that support the expansion of broadband infrastructure and services in rural areas. We also provide technical assistance, and training to local organizations and individuals who are working to improve broadband access in their communities.
We are asking you today for your support for our cause. Your generous donation will help us continue our work to bridge the digital divide and ensure that everyone has access to the benefits of broadband internet. Every dollar counts and we appreciate any amount you can give.
Thank you for your time and attention. Together, we can make a difference for rural America.
To make a donation, please click the button below. You will be redirected to our secure payment gateway. You will be able to choose the amount of your donation and your payment method.
|
economics
|
http://virtuality-ns.com/our-product/
| 2018-02-23T12:01:55 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891814700.55/warc/CC-MAIN-20180223115053-20180223135053-00767.warc.gz
| 0.911601 | 435 |
CC-MAIN-2018-09
|
webtext-fineweb__CC-MAIN-2018-09__0__360888
|
en
|
Researchers show that touching, interacting and customizing a product may increase the probability of a sale by 30%-50%. However, physical, brick and mortar stores that sell large products such as kitchens, furniture and appliances are frequently unable to display the full variety of their products, due to the high display costs.
Often highly customizable products can’t be displayed (kitchens for example).
The physical, brick and mortar retail market hasn’t made a leap forward for a long time. This creates a tough market with very low profit margins. There is a clear and pressing need for a new shopping experience that will be wonderful for customers, while increasing sales and reducing costs for the retailer.
We help retailers (initially kitchen, furniture and appliance stores) to increase sales and reduce costs, using Virtual Reality (VR) technology.
We use a VR headset and a gesture recognition camera to create a high quality, enjoyable experience that allows customers to interact naturally with products using only their hands, view from every angle and customize the product in the VR.
Placing our product in stores, will help retailers to increase sales by:
• Creating endless store space, allowing them to display the full variety of their products
• Enabling new level of customization illustration and interaction with products.
• Learning and understanding customers better, using consumer behavior analysis.
And, on the other hand, reduce costs by letting go store space
• Amazing shopping experience – By using a gesture recognition camera, users can interact with products in the VR through natural hand gestures, while viewing them from every angle.
• Customized prototypes generated in seconds – Customization of product texture, size, color, models, etc. For instance the ability to create a kitchen structure, texture and materials, while in the VR world.
• Limitless expansion of (virtual) store space, at minimal cost which will lower retail expenses dramatically.
• New opportunities for consumer behavior analysis and A/B testing techniques that will become a new growth engine.
• A multiuser shopping experience – Family and friends, sales staff, or designers can be part of the VR shopping experience.
|
economics
|
https://www.viveri.com/news/viveri-expands-neelikon-offerings/
| 2021-07-23T22:34:17 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046150067.51/warc/CC-MAIN-20210723210216-20210724000216-00680.warc.gz
| 0.862885 | 201 |
CC-MAIN-2021-31
|
webtext-fineweb__CC-MAIN-2021-31__0__116744495
|
en
|
Viveri Expands Neelikon Offerings
Following Viveri’s successful introduction as Neelikon’s exclusive North American distributor of regulated Food Colors, Viveri is proud to announce the expansion to include Neelikon’s full range of Colors for Pharmaceuticals, Cosmetics, Personal Care and Inks. This includes not only US FDA certified FD&C and D&C Dyes and Lakes, but also Neelikon’s complete line of inorganic pigments.
North America’s Cosmetic and Pharmaceutical Industries can now realize the same benefits this relationship has provided the Food Industry with for the last three years – Neelikon’s high quality colorants paired with Viveri’s sales, technical and regulatory support, local inventories, and competitive pricing.
For more information, please contact Viveri at (216) 391-8050 or [email protected].
|
economics
|
https://xrgenergy.com/about/
| 2023-10-01T09:46:17 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510810.46/warc/CC-MAIN-20231001073649-20231001103649-00333.warc.gz
| 0.902915 | 1,143 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__285184237
|
en
|
Building the Clean Energy Future
XRG Energy Inc. is dedicated to transforming the energy sector through the fundamental principle of Exergy. Our primary objective is to pioneer innovation and deliver state-of-the-art energy solutions that optimize efficiency and promote sustainability in energy utilization. By leveraging Exergy, we aim to minimize energy waste while maximizing the production of useful work within energy systems. Our team of experts is deeply committed to developing groundbreaking technologies that unleash the full potential of energy resources, all while minimizing the environmental footprint. As we relentlessly pursue excellence and prioritize Exergy, we are actively empowering businesses and communities worldwide to realize a more sustainable and prosperous future. Through our expanding global network, we ensure efficient sales and distribution of our advanced energy solutions to customers across the globe.
In XRG Energy, our collaboration extends beyond industrial partners to include the final users who seek convenient and integrated energy systems. Whether it's for mobile applications or utility-scale uses, we strive to provide tailored solutions that meet their specific needs. By engaging directly with end-users, we gain valuable insights into their requirements and preferences, enabling us to develop and deliver energy systems that seamlessly integrate into their operations.
At XRG Energy, we extend a warm welcome to new investors who are interested in supporting our strategic vision of becoming a leading supplier in the green energy solutions market. One of our key advantages is our ability to seamlessly integrate the entire value chain, which allows us to maximize the lifecycle of the cutting-edge technologies we deploy and develop. By joining forces with us, investors can contribute to the growth and success of XRG while playing a crucial role in driving the transition to a more sustainable future.
At XRG Energy, we collaborate with global industrial partners in innovation, engineering, procurement, distribution, and production, both globally and locally. This diverse network enhances our capabilities and allows us to deliver efficient energy solutions worldwide.
We leverage cutting-edge technology to swiftly bring state-of-the-art technologies into the market, facilitating the shift away from less efficient conventional methods. By integrating the finest technologies and expertise from our expanding global network, our solutions optimize energy systems' efficiency, specifically exergy.(XRG).
The turn-key and efficient clean energy system provided by XRG Energy offers storage, generation, smart controls, and diesel transition connection within a standard container (20, 40, 40 feet) using a rack-mounted modular design. The system is seamlessly integrated with an energy management system (EMS Smart – Energy Management System) and a control program (SCADA). These containers can be easily connected to various types of renewable energy production.
XRG Energy is a leading developer for systematic utilization of integrated energy solutions, driving innovation to facilitate the transition of off-grid territories away from fossil fuels. We also lend our expertise to grid operators, assisting in the modernization of their infrastructures and promoting a greater emphasis on renewable energy sources. Through our expanding global network of channel partners, XRG comprehends the paramount importance of addressing electricity supply challenges in various regions worldwide, harnessing this collective intelligence to maximize efficiency in our energy systems, much like the concept of exergy.
With over two decades of experience, our manufacturing and technology partners have been at the forefront of developing and implementing microgrid technologies. XRG serves as the platform to deliver comprehensive energy solutions precisely where they are most needed. We meticulously recommend energy storage solutions that align with the specific requirements of each region.
Our energy storage containers are adaptable to a multitude of scenarios, whether it be for humanitarian assistance, one-time festive events, temporary industrial operations, permanent community power supply, or seawater desalination plants. These mobile and turnkey (Plug & Play) solutions offer a range of options:
Intermittent energy smoothing: Our batteries can be seamlessly integrated with solar and/or wind farms to facilitate their grid integration, ensuring a smooth and reliable energy supply.
Frequency and voltage management: Our batteries are intelligently programmed to automatically support the network, efficiently managing and stabilizing frequency and voltage fluctuations.
Energy shifting (arbitrage): Our batteries capitalize on production surpluses or periods of low-cost production by charging, and discharge during periods of production scarcity or high costs, optimizing energy utilization and cost-effectiveness.
Deferral in network investment (virtual line): By installing our batteries, the need for constructing new power transmission lines can be avoided, providing a cost-effective alternative to expanding the network infrastructure.
Creation of a grid: Our batteries have the capability to replace generators, forming a grid system that facilitates greater penetration of renewable energy sources, enabling a more sustainable and resilient energy ecosystem.
At XRG Energy, we remain committed to driving the adoption of storage solutions and empowering communities and industries to embrace sustainable energy practices.
Lithium-ion batteries currently hold a prominent position in the battery market. ADEME (French Environment and Energy Management Agency) and IRENA (International Renewable Energy Agency) have independently affirmed that lithium, in terms of its geological availability, is not significantly exposed to supply risks. However, continuous research efforts are being directed towards exploring alternative approaches that reduce reliance on limited resources.
At XRG Energy, we recognize the limited lifecycle of lithium, encompassing considerations such as the environmental impact of sourcing, end of life management, and the finite lifespan of batteries. Consequently, we are deeply committed to driving down the cost of eco-friendly alternatives. This commitment spans various dimensions, including optimizing utilization, exploring alternative raw materials, improving procurement practices, optimizing the value chain, and creating opportunities for establishing local supply chains and fostering green economies.
|
economics
|
https://www.medtechviews.eu/articles/author/teodora-angelova/
| 2024-03-03T23:00:56 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476399.55/warc/CC-MAIN-20240303210414-20240304000414-00847.warc.gz
| 0.912925 | 212 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__10563200
|
en
|
Senior Manager Market Data
Teodora Angelova is a Market Data Coordinator at MedTech Europe, working mainly on In Vitro Diagnostics and Cardiovascular industry trackers. She is supporting the Market Research Committee – responsible for the management and development of the market statistics services (MIS and GDMS) and the annual update of the Global In Vitro Diagnostics Classification (GIVD). Teodora’s goal is to deliver timely and accurate global market intelligence information to MedTech Europe’s Corporate and National Association members and to answer any ad-hoc industry data needs.
1 blog from the author
Posted on 22.03.2023
Europe’s in vitro diagnostics (IVD) market has expanded sharply since 2020, with demand for SARS-CoV-2 tests driving double-digit growth for the past two years. In 2020, total revenues for the IVD sector rose by 29.1%That striking growth rate was eclipsed by 2021’s unprecedented growth of 43.7%.
|
economics
|
https://chronicleoflife.com/financialinfo
| 2022-06-30T15:40:31 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103850139.45/warc/CC-MAIN-20220630153307-20220630183307-00765.warc.gz
| 0.947217 | 513 |
CC-MAIN-2022-27
|
webtext-fineweb__CC-MAIN-2022-27__0__152620634
|
en
|
75 percent of your payment is invested in an endowment fund to pay for all future costs. We set the cost per MB such that the income from the endowment fund will be sufficient to cover all expected future costs. In particular, we calculated the present value of all future costs conservatively, assuming that some of these, such as the cost of labor, will grow steadily, while others, such as the cost of storage, will remain constant.
An endowment fund is required to preserve the principal (the money invested) in perpetuity, and only pays out investment income, such as interest, dividends and capital gains. As a 501(c)(3) non-profit organization, the Foundation is not liable for taxes on income from its exemption-related activities, and can thus use all of its income to preserve your data for posterity.
The annual investment income is expected to be sufficient to cover ongoing costs forever and to pay for periodic migration of data to new formats. In case of unforeseen events such as spikes in the cost of labor or electricity, the Foundation has established a set of priorities and procedures, such as increasing the price per MB for new users or migrating data to formats that allow better compression, to guarantee the preservation of your data.
Consistent with the requirements for an endowment fund, our investment policy is conservative: more than 50% of the fund is invested in investment-grade fixed income securities, and the remainder is invested in a highly diversified portfolio of other investment products favored by university endowment funds, including common and preferred stock. Diversification across asset classes, industries and geographies reduces the risk of the fund.
Most money is invested in low-cost index-tracking funds to achieve a high level of diversification with minimal transaction costs. In particular, we only invest in funds with an annual expense ratio below 0.2 percent of assets under management.
Our operational expenses include the costs of website hosting and backup data storage, database and website maintenance, including periodic data migration to new formats to prevent file format obsolescence, and customer support. Nearly 95 percent of your contribution pays for operational expenses, now and in the future, while 4 to 5 percent cover the cost of payment processing, i.e., credit card transactions.
Our administrative expenses include all other expenses, such as administrative salaries, rent, accounting and legal fees. These expenses are very low, accounting for less than 0.5% of fund value annually.
|
economics
|
http://lahorepinklounge.com/2017/10/30/why-do-we-like-foreign-food/
| 2018-07-15T20:46:52 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676588972.37/warc/CC-MAIN-20180715203335-20180715223335-00261.warc.gz
| 0.972201 | 1,311 |
CC-MAIN-2018-30
|
webtext-fineweb__CC-MAIN-2018-30__0__83105070
|
en
|
ISLAMABAD: “It is surprising that there are so many multinational companies running fast food restaurants in Pakistan,” says a foreigner in one of the KFC restaurants in Islamabad. “Yes, I like the food in KFC, being an American, but I would have lived very well on Pakistani flavoured chicken, too, and maybe it would have been healthier,” and then she pauses, because she is not quite sure that the oily Pakistani food is healthy if consumed every day.
Most of the foreign chains have their headquarters in America, such as KFC, with two outlets in Islamabad and a total of 69 in Pakistan, and Pizza Hut, with three outlets in Islamabad and 57 in the country. And then there is a new American chain in the country, named Hardees, with an outlet in Rana Market in the F7 sector.
In F-6 Super Market, there is a South African chain named Nandos, and that, too, specialises in chicken dishes, with special trademark flavours of sauces, certainly with secret recipes.
“No, Pakistan doesn’t need foreigners to prepare chicken for them. If there is something Pakistanis are good at, then it must be making delicious chicken dishes,” a Danish customer jokes.
“But international food chains are everywhere in our globalised world. They may not contribute to the local economy; rather they would take out profit from the country. Perhaps they add some value, though, in better hygiene and maybe also in ambiance.”
“Young people in particular like to go to the modern-looking fast-food restaurants. It costs more than in local restaurants, and the food may not be better. But it is still worth it, well as long as the family can afford it.”
“That means that the youth and older people, too, go to eat in places where they feel they belong, where they want to be seen, and where the friends of their class and background go. Economists call this ‘conspicuous consumption’, meaning that it is not really the product that is important, but it is all that comes with it.”
“If somebody buys a very expensive car, with horse power meant for high-speed driving German autobahns, he cannot make much use of it in Pakistan. But, it is still great to be seen in such a car. And if people can afford it, and they pay taxes to the government, I have nothing against it either,” the thoughtful Dane says, adding that even the Scandinavians, who used to be quite puritan, now can be seen in Lexus and Cadillac cars. We seem to show off more than before, and we don’t care if some think it is wrong, because so many others are impressed.”
“I don’t like foreign food,” says Asif Farooq, who comes from Multan and is a driver for a European family in Islamabad.
“When I take them to a posh restaurant in the city, I am given money to take food, too, and I always go to a local restaurant, where they have daal, roti and chicken prepared the way I like it,” he says.
“Or I go to Savour Foods in Blue Area, or one of their other outlets in Islamabad and Rawalpindi, where they have the chicken rice pulao dish with Pakistani style salad of raw tomatoes, onions and cucumber. It is a very popular place for young people, Asif adds.
“I believe that Pakistani restaurants can do much better than they are doing,” says Wazir Ali, who came back from the UK to establish MJ’s Bakers in Islamabad, which is a local company, but has an international flavour to it.
“I think about my own business and customers,” Wazir says. “I agree with those who say that international chains are not really needed. But they, too, should be allowed to operate in the country, and it is the quality and image of the local outlets that will determine our success. We can learn from foreigners, too. But we must also do things our own way,” Wazir says, mentioning that MJ’s is a supplier of bakery products to several international restaurants.
Hamid Faraz in Gourmet Bakers, with several shops in Islamabad, is proud of cooperating with Habanero Express for the new local beef and chicken hamburgers.
“We have just started with it and we believe there is a great future for local brands, which are copies or hybrids of the foreign versions. We use mostly local ingredients but import some flavouring from abroad so the taste becomes right. And we are much cheaper than the foreign chains. Why do we like to eat foreign food when the local is as good or better,” asks Hamid.
“I agree entirely with those who say we should develop our own food industry,” says Dr Munawar Sher Khan at St Joseph’s Hospice in Rawalpindi.
“It is a status symbol to go to foreign fast food chains, but we don’t realise that they are actually meant for a quick and cheap meal for busy people; and they are meant to be cheaper than ‘proper’ restaurants, but that’s not the case in Pakistan. Some of them may buy cheaper raw materials and cut corners as for hygiene,” the doctor says.
“As soon as we develop good local alternatives, I believe we can attract customers and be even more successful than the foreign chains. We can be cheaper and better.”
“That goes for other sectors, too, such as education institutions and hospitals. We can make the local ‘brands’ as good as the foreign ones, and then the upper middle class don’t have to send their children abroad for their education, or go for medical treatment abroad. We can make many hospitals as good as Aga Khan and Kulsoom, and many schools and colleges equal to Beacon House and Atchison. Then we can be prouder and more indigenous Pakistanis,” says Dr Munawar Sher Khan.
|
economics
|
http://m.eabl.com/news/201/26/EABL-issues-kes-6-billion-medium-term-note
| 2017-04-28T19:46:47 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917123048.37/warc/CC-MAIN-20170423031203-00455-ip-10-145-167-34.ec2.internal.warc.gz
| 0.925345 | 300 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__193010255
|
en
|
Nairobi, March 13, 2017…East African Breweries Limited announced today the issuance of the second and final tranche of its Domestic Medium Term Note (MTN) Programme, seeking to raise a total of up to KES 6 billion. The Note will bear interest at a fixed annual rate of at least 14.17% until maturity on March 28, 2022.
This is the second phase of the KES 11 billion Programme, which in 2015 raised a total of KES 5 billion, an issuance that recorded a subscription rate of 180%.
The second and final tranche which has already received approval from the Capital Markets Authority (CMA) will provide EABL an opportunity to match its borrowings with its medium-to-long term capex and working capital investment aimed at building capacity and optimizing operations. The issue is aimed at achieving an optimal capital structure.
The minimum investible amount of the bond, which will be listed on the Fixed Income Securities Investment Segment of the Nairobi Securities Exchange, is KES100,000 and integral multiples of KES 100,000.
The Placing Agents for EABL’s MTN Program are; Barclays Bank of Kenya & Barclays Financial Services Limited, and CFC Stanbic Bank & SBG Securities Limited. CFC Stanbic are also the Fiscal Agent, while Coulson Harney Advocates are the Legal Advisors in this transaction.
Copyright © East Africa Breweries Limited 2013
|
economics
|
https://pro100movers.com/testimonials_cat/testimonials/
| 2024-02-22T03:22:12 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473690.28/warc/CC-MAIN-20240222030017-20240222060017-00121.warc.gz
| 0.985327 | 473 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__69208789
|
en
|
I would definitely recommend Pro100movers if anyone is planning to move to another city or state. The price is lower than other companies. Manager accurately calculated hourly rate, made a contract. The contract included a basic insurance of things. The team members were polite, offered advice and answered all questions.
Transported furniture with the company Pro100movers in another city. Additionally I ordered the packing. I was asked in advance what kind of furniture I have in order to bring the right tools. They took the furniture apart and carefully transferred it to the car as I couldn’t have done it myself as the mechanics were […]
Big thanks to Pro100movers for quick delivery and low prices. The agreement was written competently, delivery cost was not overpriced – I paid for 3 hours. The car was delivered promptly at the appointed time without delay. The driver is very polite and punctual, a team of movers responsible and neat.
After a long search and selection of transportation companies, I decided to turn to Pro100movers. I needed to move my furniture and personal belongings to another state. Our manager called me the price by phone in advance, and then I received a final offer by email. I ordered to transport my mother’s belongings. And since […]
Thanks, Pro100movers. Worked perfectly. My manager contacted me promptly, asked qualifying questions about the delivery, clearly indicated the schedule and price of delivery. The company told me that the driver is allowed to drive for not more than 12 hours, and we need at least 18 hours to get there. So they sent two drivers […]
I searched for a shipping company on the internet for a long time. I chose Pro100movers. I wasn’t mistaken and didn’t regret it. I was happy with all conditions, time and cost. I paid for 3 hours per contract and then paid for another hour – there were a lot of items. The contract specifies […]
I have sent personal items through Pro100movers twice. I have studied many companies. But Pro100movers has the best delivery terms and prices. The manager of the company intelligently and clearly explained the details of delivery. The car was on time, porters quickly and accurately moved things into the car. The parcels were delivered directly to […]
|
economics
|
https://www.bankruptcy-hagerstown.com/filing-chapter-7/
| 2024-04-12T14:39:06 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816024.45/warc/CC-MAIN-20240412132154-20240412162154-00439.warc.gz
| 0.930635 | 1,195 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__61844778
|
en
|
Filing Chapter 7 Bankruptcy in Hagerstown
To ensure you navigate the Chapter 7 bankruptcy process successfully, it’s crucial to consult with a bankruptcy attorney today.
A bankruptcy attorney possesses the expertise and knowledge needed to guide you through the complex legal procedures involved in filing for Chapter 7 bankruptcy.
They’ll assess your financial situation, help you complete the necessary paperwork, and represent you during court proceedings.
With their assistance, you can maximize your chances of achieving a fresh start and overcoming your financial difficulties.
Chapter 7 Bankruptcy: The Basics
Chapter 7 bankruptcy is a legal process that allows individuals and businesses to eliminate their debts and start fresh. Understanding the basics of Chapter 7 bankruptcy is essential for anyone considering this option.
This includes knowing how it works, the eligibility requirements, the difference between dischargeable and non-dischargeable debts, and the property exemptions available.
What Is It?
Chapter 7 Bankruptcy provides individuals with the opportunity to eliminate their debts and obtain a fresh financial start. It’s a legal process that allows individuals to have their eligible debts discharged, meaning they’re no longer responsible for paying them. This can include credit card debt, medical bills, and personal loans.
However, not all debts are eligible for discharge, such as student loans and child support payments. It’s important to consult with a bankruptcy attorney to understand the specific requirements and implications of filing for Chapter 7 Bankruptcy.
How Does it Work?
Filing for Chapter 7 Bankruptcy provides individuals with a legal avenue to eliminate their debts and start anew financially.
Once the bankruptcy petition is filed, an automatic stay is issued, which halts all collection actions by creditors.
A trustee is appointed to review the case, liquidate any non-exempt assets, and distribute the proceeds to creditors.
After completing a credit counseling course, the debtor is granted a discharge, officially relieving them of their debts.
To be eligible for Chapter 7 Bankruptcy, individuals must meet certain requirements as outlined by federal law. These requirements include passing the means test, which evaluates one’s income and expenses to determine if they have enough disposable income to repay their debts.
Additionally, individuals must undergo credit counseling within six months prior to filing for bankruptcy. It’s important to consult with a bankruptcy attorney to ensure eligibility and navigate the process smoothly.
Dischargeable vs. Non-Dischargeable Debts
After meeting the eligibility requirements for Chapter 7 Bankruptcy, individuals must understand the distinction between dischargeable and non-dischargeable debts.
Dischargeable debts are those that can be wiped out or eliminated through bankruptcy, giving the debtor a fresh start.
Non-dischargeable debts, on the other hand, can’t be eliminated and must still be paid even after filing for bankruptcy.
It’s crucial to know which debts fall into each category to effectively navigate the Chapter 7 bankruptcy process.
Chapter 7 Property Exemptions
Chapter 7 bankruptcy allows individuals to protect certain property from being liquidated to pay off creditors. This is achieved through property exemptions, which vary from state to state.
In Hagerstown, Maryland, individuals filing for Chapter 7 bankruptcy can utilize exemptions such as the homestead exemption, which protects their primary residence up to a certain dollar amount. Other exemptions may include personal property, such as vehicles, household goods, and retirement accounts.
Understanding these exemptions is crucial when filing for Chapter 7 bankruptcy in Hagerstown.
How to File for Bankruptcy Chapter 7
Filing for Chapter 7 bankruptcy in Hagerstown can provide individuals with a fresh financial start. To file for bankruptcy under Chapter 7, follow these steps:
- Gather and organize all financial documents, including income, expenses, debts, and assets.
- Complete credit counseling from an approved agency.
- Prepare and file bankruptcy forms, including a petition, schedules, and a statement of financial affairs.
- Attend the meeting of creditors and cooperate with the bankruptcy trustee.
- Complete the debtor education course.
- Receive the bankruptcy discharge, which eliminates most debts.
Bankruptcy Chapter 7 vs. 13
When considering bankruptcy options, individuals may find themselves weighing the differences between Chapter 7 and Chapter 13.
Chapter 7 bankruptcy, also known as liquidation bankruptcy, involves the sale of assets to pay off debts. It offers a fresh start by eliminating most unsecured debts.
On the other hand, Chapter 13 bankruptcy, also known as reorganization bankruptcy, allows individuals to create a repayment plan to pay off their debts over a period of three to five years.
Is Chapter 7 Bankruptcy Right for You?
Determining whether Chapter 7 bankruptcy is the right choice for an individual can be a complex decision. Seeking assistance from a bankruptcy attorney is crucial in understanding the specific circumstances and financial implications involved.
They can provide knowledgeable guidance and help navigate the process to ensure the best possible outcome for the individual.
Get Assistance from a Bankruptcy Attorney Now
If you’re unsure about whether Chapter 7 bankruptcy is the right choice for you, seeking assistance from a bankruptcy attorney can provide the guidance you need.
A bankruptcy attorney is an expert in the field and can assess your financial situation to determine if Chapter 7 bankruptcy is the best option for you.
They can also guide you through the complex process, ensuring that all necessary paperwork is filed correctly and helping you understand your rights and responsibilities during the bankruptcy proceedings.
Get in touch with us today
Acknowledge the significance of choosing cost-effective yet high-quality services for filing Chapter 7 bankruptcy. Our expert team in Hagerstown is prepared to assist you with all aspects, whether it involves comprehensive guidance or minor adjustments to enhance the effectiveness and success of your Chapter 7 bankruptcy filing!
|
economics
|
https://elbalincoln.com/about/
| 2021-03-09T10:50:04 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178389798.91/warc/CC-MAIN-20210309092230-20210309122230-00597.warc.gz
| 0.945988 | 206 |
CC-MAIN-2021-10
|
webtext-fineweb__CC-MAIN-2021-10__0__144637213
|
en
|
“The East Lincoln Business Association exists to support and strengthen businesses located in East Lincoln by providing opportunities for networking, promotion and representation.”
Benefits of Becoming a Member of ELBA:
Local businesses make an impact in the lives of Lincoln’s citizens. Our members contribute to this through the products and services they offer, the taxes they pay, the payroll they provide, and the charities and community programs they support. ELBA gives you an opportunity to help determine what this impact will be.
Our goal is to build a dedicated and growing network of people. We enhance the business climate of East Lincoln as a result. Also, we aim to foster local business growth.
The East Lincoln Business Association also gives us a political voice. Therefore, we are heard when a proposed action is to be taken in our area.
Join the East Lincoln Business Association
Thank you for taking the time to learn about what we do! If you are interested in joining, register by clicking on the button below.
|
economics
|
https://www.creatingvalue.net.au/home/2017/heinrich/rawtec
| 2019-09-17T10:15:19 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514573070.36/warc/CC-MAIN-20190917101137-20190917123137-00291.warc.gz
| 0.935343 | 503 |
CC-MAIN-2019-39
|
webtext-fineweb__CC-MAIN-2019-39__0__108064437
|
en
|
"Hi, my name is Kat Heinrich and I work for Rawtec as a Senior Consultant and in this role we advise governments and industry on how to become more resource-efficient.
"I also chair the International Solid Waste Association Young Professionals Group, which is a group of 70 young professionals involved in solid waste management from across the world, representing over 35 countries.
"My role at Rawtec is part of the Circular Economy in the way that we assist governments and businesses to come up with strategies and programmes to better manage their resources. So things like waste reduction programmes, things like recycling programmes ...
"I first heard about the Circular Economy through Green Industries SA, which is a State Government Agency in South Australia, which really takes the lead on efficient waste and resource management.
"The reason why the Circular Economy is important to me as a person is, it’s about the future. I mean we know that we can’t continue consuming resources the way we do. It makes sense from so many different perspectives: an environmental perspective, a job’s perspective, climate change perspective, a food-security perspective…
"So, it’s about being smart about what we want to do in the future.
"So, in the next 5 to 10 years, I see the biggest change that we can make with the Circular Economy will be about (being) focused on food waste. So, food waste is such a huge issue in cities across the world, including South Australia. And it’s such a waste of resources. We generate so much of it and it needs to be recaptured and put into the carbon cycle again, as nutrients as compost into the soil. "
Kat Heinrich - Senior Consultant, Rawtec
With a background in consulting and a qualification in economics, Kat Heinrich regularly provides advice to organisations on a range of waste management, business and sustainability issues. Kat has undertaken key work for state and federal governments including Disaster Waste Management, state waste accounting and waste and resource recovery infrastructure planning.
Other areas of specialisation include delivery of waste audits and reviews, provision of waste management advice to architects/planners for new developments, and review of waste policy and services for governments.
Kat brings an international perspective on solid waste management. She is Vice Chair of the International Solid Waste Association (ISWA) Young Professionals group, and works with the group on a range of global waste initiatives.
|
economics
|
https://globaldiaspora.edu.np/study-abroad/study-in-australia
| 2024-02-23T16:08:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474440.42/warc/CC-MAIN-20240223153350-20240223183350-00459.warc.gz
| 0.944184 | 577 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__49086642
|
en
|
Pradarshani Marg, Putalisadak, Kathmandu
Australia offers excellent opportunities for studying, working, and living, making it an attractive destination for individuals from around the world. The country is known for its high-quality education system, with several prestigious universities and institutions that consistently rank among the top globally. International students can choose from a wide range of programs and fields of study, including engineering, business, medicine, and the arts. Moreover, Australia's multicultural society ensures a diverse and inclusive learning environment.
In terms of work, Australia provides numerous employment opportunities for both residents and international professionals. The country has a strong economy, with thriving industries such as mining, finance, tourism, and healthcare. Additionally, Australia offers a range of work visas and pathways for skilled migrants, allowing individuals to contribute their expertise to the country's workforce. The work culture in Australia is generally balanced, with a focus on work-life balance and employee well-being.
Australia is an excellent choice for studying abroad due to its world-class education system, diverse multicultural environment, and abundant opportunities. Australian universities consistently rank high in global rankings, offering a wide range of courses and research options. The country's welcoming atmosphere, safe cities, and vibrant lifestyle make it an ideal destination for international students. Additionally, Australia's strong economy provides numerous part-time work options and post-study employment opportunities, ensuring a rewarding experience both academically and professionally.
The cost of studying in Australia varies depending on factors such as the chosen institution, course, and location. On average, international students can expect to pay between AUD 20,000 to AUD 45,000 per year for undergraduate programs and AUD 22,000 to AUD 50,000 per year for postgraduate programs. Living expenses also need to be considered, which can range from AUD 18,000 to AUD 25,000 per year. Scholarships and part-time work opportunities can help offset some of these costs.
The education system in Australia is renowned for its high quality and rigorous standards. It follows a three-tiered structure consisting of primary education (from kindergarten to Year 6), secondary education (from Year 7 to Year 12), and tertiary education (university and vocational education and training). Australian universities offer a wide range of undergraduate and postgraduate programs across various disciplines. The education system emphasizes practical learning, critical thinking, and research skills, fostering a student-centered approach. It is regulated by the Australian government to ensure consistent standards and accreditation of institutions and programs.
Australia is home to a considerable number of universities, with approximately 43 universities spread across the country. These universities offer a diverse range of programs and degrees, catering to a broad spectrum of academic and professional interests. The universities vary in size, reputation, and specialization, providing students with a wide array of options to choose from for their higher education journey.
|
economics
|
https://lowsfurniture.com/blogs/history/100-years-of-business
| 2023-06-01T00:04:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224647459.8/warc/CC-MAIN-20230531214247-20230601004247-00433.warc.gz
| 0.972533 | 231 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__18101659
|
en
|
Since 1860, Lows is the oldest family business in Uxbridge. It was Mr. McGuire, the maternal grandfather of John Low Sr., who owned the Uxbridge Piano and Organ Co. and also sold caskets and furniture from the original location. About 1891, they moved the business to its current location at 76 Brock Street West. John Low came into the business in 1917 and was actively engaged in both the funeral home and furniture store businesses until the 1950’s.
Bill Low came into the business in 1949. In 1964 the original name of McGuire and Low, was changed to Low and Low upon incorporation. In 1988 John Low, the fifth generation joined the business. Our store has undergone many changes in the past year, and we are pleased to present a newly renovated bed shoppe and store front. Moving forward, we have exciting plans of further expanding our store and offer a greater selection of living and dining room furniture; and welcoming our 6th generation into the business. At Low’s we pride ourselves on providing great quality and selection of unique furnishings at reasonable prices, with small town friendly service.
|
economics
|
http://zy.fui.fyi/news/96.html
| 2024-04-23T10:31:55 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818474.95/warc/CC-MAIN-20240423095619-20240423125619-00827.warc.gz
| 0.953613 | 393 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__122607469
|
en
|
Why Build a Website?
In a world that is increasingly digital, having an online presence has become vital for businesses and individuals alike. A website can serve as a virtual storefront, allowing potential customers to learn more about your offerings and connect with you easily. But beyond just presenting information, a website can also provide a platform for engaging with your audience, building credibility, and even generating revenue.
One of the key benefits of a website is the ability to reach a wider audience. With the internet being accessible from nearly anywhere in the world, a website can help you expand beyond your local area and tap into new markets. This can be particularly valuable for businesses that offer products or services that are not tied to a physical location.
Another advantage of a website is the ability to establish credibility. In today's digital age, many consumers expect businesses to have an online presence. By having a professional-looking website, you can demonstrate that you are serious about your business and committed to providing quality products or services.
A website can also serve as a powerful marketing tool. Through search engine optimization (SEO) techniques, you can increase your website's visibility in search results, making it easier for potential customers to find you. Additionally, by incorporating social media and email marketing strategies, you can drive traffic to your website and build a loyal following.
Finally, a website can generate revenue in a number of ways. Depending on your business model, you may choose to sell products or services directly through your website, or you may use it as a platform for advertising or affiliate marketing. Whatever approach you take, a website can provide a valuable source of income and help you achieve your business goals.
In conclusion, there are countless reasons why building a website is important in today's digital landscape. Whether you are a small business owner, freelancer, or individual looking to establish an online presence, a website can help you reach new audiences, build credibility, and achieve success.
|
economics
|
https://voip.infostot.com/2019/08/cs-technologies-calling-started-with.html
| 2019-10-14T23:12:17 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986655554.2/warc/CC-MAIN-20191014223147-20191015010647-00384.warc.gz
| 0.964407 | 1,586 |
CC-MAIN-2019-43
|
webtext-fineweb__CC-MAIN-2019-43__0__82769369
|
en
|
Posted: 06 Dec 2018 12:00 AM PST
CS Technologies is an example of a company that provides services that weren't around 20 years ago. However, it owes its existence to its parent company that started more than a century ago.
Central Scott Telephone was founded in 1902 and started serving communities of Eldridge, Long Grove and McCausland. It provided phone service at a time when the main provider, AT&T, wasn't going into smaller communities.
"Ma Bell was not providing adequate service to many rural communities so small independent phone companies like Central Scott Telephone were established to serve these underserved communities," said Jim Neyen, director of sales with CS Technologies.
"These small phone companies sprang up all over the country. In Iowa today, there are still about 120 independent phone companies with Central Scott Telephone being one of the larger ones."
A lot has changed with Central Scott since it started. The company knew long ago that the times were changing.
"In 2002 we realized phone lines in the home were going to the wayside," Neyen said. "We started putting in DSL service, so people still had phone lines, but we now provided internet. For us to grow, however, we knew we needed to get beyond the four little towns we were taking care of. So that is how we came up with CS Technologies — to serve businesses in larger markets."
Central Scott Telephone reached an interconnect agreement with Qwest, now CenturyLink, to lease its copper facilities in the ground and build into central offices in Davenport and Bettendorf, Iowa. This agreement allowed CS Technologies a way to provide competitive business phone and Internet services outside of the original service area.
Just as Central Scott Telephone filled a void, so does CS Technologies.
"We began offering business phone and internet service to Davenport and Bettendorf, Iowa," Neyen said. "Then in the fall of 2009, we used this same interconnect agreement to begin providing business phone and Internet services to Dubuque and Peosta, Iowa."
In 2015, it entered into an agreement with AT&T to provide business phone and Internet service to Moline and Rock Island, Ill. Then it purchased a phone company in Wisconsin.
"We bought Cuba City Belmont telephone company," Neyen said. "We wanted to get some leverage from them as far as our using their service techs and office personnel. And it was a way for them to also grow their footprint. To grow they have to go outside their territory."
Although CS Technologies provides phone and internet services to businesses, the technology is constantly evolving.
For example, the company offers analog phone service, but "customers are moving away from traditional analog phone lines and going to SIP Trunk or VoIP — Voice over Internet Protocol. With this trend occurring, having a reliable Internet provider that offers QOS — Quality of Service for voice, combined with a robust fiber network, is critical to running a business.
"As far as the internet we can do fiber to the business or ethernet over copper capabilities where fiber is not available," Neyen said. "This gives us a fiber-like product and we also do DSL. We have gigabyte e-transport for some local business or 8 mg or 5 meg."
There are many reasons businesses and organizations pick CS Technologies.
"Businesses choose us not only because of our robust data and voice services but because they appreciate our local easy-to-work-with customer service," Neyen said. "You work with a local sales consultant that helps you evaluate your current services and then customize a solution based on the future business needs."
"Customers call a local number and talk to a local customer service representative if a trouble or billing question should arise. Unlike calling a national carrier whom the person on the other may not live or be familiar with your city."
It serves more than 500 businesses in the Dubuque area and 1,000 in the Quad Cities. Customers include city and county governments, school districts, health care providers, insurance agents and restaurants. All Dubuque schools use its phone system.
Among the many businesses they serve is Kanndo Professional Services.
"We like that they are local," said Tom Kann, owner. "I try to buy local as much as I can, and they are just down the street. I can stop in if I have a problem. And if there is a problem, they are Johnny on the spot. They always take care of it right away. It's nice knowing who you're working with and can put a name to the face."
Another reason that businesses work with CS Technologies is the peace of mind. Most businesses can't afford to be without the internet.
"CS Technologies has a ringed fiber network and we have redundancy built into our network," Neyen said. "For example, if a fiber cut happens, our fiber network will automatically redirect the traffic and move it to the alternate route with minimal to no interruption of customer service. This is a huge benefit for many businesses because they can't afford to have their phone and Internet down."
Its service is an added layer of protection for some of the companies they work with.
"We are backup for many businesses for a monthly fee," said Neyen. "You're basically paying for an insurance policy or a backup plan. They like the price of some of the bigger companies because of the lower price, but not the reliability. Over time we might become their primary connection if they decide they like the security."
Fiber has changed the efficiency of their service.
"The advantage of fiber is its capability to transmit larger pools of data, offers lower latency and isn't distance sensitive like copper," said Neyen. "With copper loops, once you get so far from the main office you either need a booster or a remote to boost the signal strength. For this reason, CS Technologies has been adding miles and miles of fiber both in the Quad Cities and Dubuque to better serve their customers.
"Once you have that fiber backbone, you can start building to businesses. In Cuba City we put in a couple million dollars' worth of fiber in the homes up there."
Dubuque County is another customer that has benefited from the technology the company delivers.
"CS Technologies has been a good service provider to Dubuque County both technology wise and as a partner in helping solve our connectivity needs," said Nathan Gilmore, IT superintendent for the county. "Specifically, their ETS, Ethernet Transport Service, allows us to use Layer2 connectivity to simplify our network design versus having to implement yet another Layer3 hop."
Although they do a few homes in the area, it's not something the company actively pursues. It focuses on services to businesses.
Neyen compares the company to a utility service.
"CS Technologies operates as a utility that provides business phone and Internet service to the customers and from that point forward the customer or a third-party IT provider sets up their internal cabling and wiring, firewalls, WiFi and etc.
"I relate this to how Alliant Energy as an electrical utility provides electricity to a customer structure and then all internal wiring and electrical drops the customer would contact an electrician for outlets and things."
|You are subscribed to email updates from "voip phone solutions,corporate phone systems,voip service plans,how voip call works,voice over ip telephone,telephone systems,what is voice over ip phone service,void phone" - Google News. |
To stop receiving these emails, you may unsubscribe now.
|Email delivery powered by Google|
|Google, 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States|
|
economics
|
https://therearview.org/the-fairness-of-the-income-tax-ought-to-be-reevaluated/
| 2024-04-12T17:52:32 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816045.47/warc/CC-MAIN-20240412163227-20240412193227-00890.warc.gz
| 0.976313 | 1,213 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__15993000
|
en
|
The issue of taxation is one that seems to be discussed quite often.
We talk about taxes during presidential elections or when a senate seat is up for grabs. We argue about taxes with our grandparents during Thanksgiving. We excitedly clamor for higher taxes to pay for governmental services so long as we ourselves do not have to pay them.
Tax the rich, tax the billionaires, tax the millionaires, tax the corporations, tax the oil companies, and tax the churches. The average American nowadays wants to tax anything and everything that has more money than they do. And yet, what you rarely hear talked about is the many different forms of taxation in America.
It is easy to assume that income taxes simply fall under the broader umbrella of taxation. This assumption, however, would ignore the particularly important delineations that must be made between the federal income tax and property taxes, sales taxes, capital gains taxes, and excise taxes.
We all, on some level, have experienced the income tax. All of us have heard our parents bemoan them when they come from work. We get a taste of the income tax when we get our first job, and that taste quickly turns sour as we pay them year after year for the rest of our lives – so long as we are earning taxable income. We even vote on income taxes indirectly when we choose political leaders, with each party offering a different stance on the issue of the income tax.
Some favor higher income taxes while others desire lower ones. Some offer a progressive income tax bracket as a solution (taxing higher earning individuals a higher percentage of their earnings) to inequality while some favor a flat rate. And yet, what I find most interesting is that we talk about the income tax as if it is as old as American life itself – as if the income tax is some permanent feature of our lives that has always existed and will continue to exist for eternity. Well, the income tax has not always been around, and I hope that after reading this article you will understand why I hope it does not exist forever.
The real first instance of the income tax in America was during the Civil War when Lincoln realized the Union needed to raise funds to help pay for the war effort.
According to the Libertarian think-tank, The Mises Institute: “In March , the Congress passed an income tax of 3% on annual incomes of $600 to $10,000 and 5% on incomes from $10,000 to $50,000…Lincoln signed the bill on July 1, 1862, to take effect a month later.”
The tax, however, was repealed following the conclusion of the war, and it was not until 1913 that the United States introduced the income tax in the form that we recognize today.
According to the previous institute, the government chose to pass an income tax of one percent on incomes above $3,000 and applied surcharges between two percent and seven percent on income from $20,000 to $500,000. Tax rates would swing from as low as seven percent to as high as 94 percent over the following century, but never again would the working American citizen keep 100 percent of his or her earnings at their own discretion.
The income tax, with only the property tax as a possible exception, is the only tax that allows the federal government to directly take a percentage of an American citizen’s income. Following the Enlightenment Era school of thought that one’s property must be considered as part of that individual’s personhood, it is reasonable, if not necessary, to look at an individual’s income as part of their very being.
To take someone’s money without their consent should be seen in the same light as taking someone’s arm or leg without their consent. The founders of the United States understood this, and specifically wrote the Constitution to ban the direct taxing of the United States citizenry unless done so by the states. The 16th Amendment was passed with the express purpose of undermining this sacred protection and allowing the legal confiscation of private individuals’ wealth without their consent.
What makes the income tax such an egregious breach of American freedom is that it negates the element of choice. If I wish to avoid a sales tax, I can refuse to purchase certain items or move to a state with a lower tax. If I wish to avoid certain property taxes, I can always move to another location. The same logic follows with an excise tax as no one is forcing me to buy – for example, cigarettes.
When it comes to the income tax, however, there is no avoiding it. I am coerced every year to send a portion of my own personhood to the federal government or armed individuals will come to my home and seize me at gunpoint on charges of refusing to comply. A percentage of my very being works for the government for free every single year and there is no action that I can take to prevent this.
Systems of forced labor in the United States have historically been exploitative, unjust, and unconstitutional, with many of us working even to this day to right these past wrongs. And yet, amidst all this injustice, the income tax was created and allowed to thrive, ensnaring each and every American in its grasp.
The most amazing part of it all is that, unlike other systems of forced, unpaid labor, many of us actually call out for more of this injustice. Many of us advocate for the increased confiscation of our own property, not less of it. We have been led to believe that this forced confiscation of our own personhood is benevolent, and that the more we allow the government to take, the more unselfish and caring we are towards others.
We have been convinced not only that coerced labor should be legal and accepted, but that we should actively vote for our own financial toil. The former is certainly scary, but I would argue the latter is what is truly terrifying.
|
economics
|
https://www.handeebra.com/pages/terms-conditions
| 2018-04-24T20:34:16 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-17/segments/1524125947328.78/warc/CC-MAIN-20180424202213-20180424222213-00586.warc.gz
| 0.91403 | 210 |
CC-MAIN-2018-17
|
webtext-fineweb__CC-MAIN-2018-17__0__56267896
|
en
|
Terms & Conditions Handee Bra
Terms and Conditions
$5 from every Handee Bra sold is donated to the National Breast Cancer Foundation as we are a corporate supporter.
Terms and Conditions: LAY-BUY
Cancellation of Lay-Buy by Buyer
You may cancel your Lay-Buy agreement at any time prior to us despatching your products and we will refund all monies to you, less an AUD $25 cancellation fee.
We do not charge you any interest, membership fee or service fee on any Lay-Buy sales transaction. Lay-Buy Financial Solutions Pty Ltd trading as www.lay-buys.com charges a once-off 0.9% of the total order value at checkout. You pay this amount to Lay-Buys at checkout at time of paying the down payment. This fee is an admin fee and is therefore not refundable.
We will dispatch your product/s immediately after we receive the final instalment payment for all Lay-Buy deals.
|
economics
|
http://emilianogxkwp.aioblogs.com/11737898/make-money-from-home-in-qatar-fundamentals-explained
| 2019-01-18T12:37:57 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583660070.15/warc/CC-MAIN-20190118110804-20190118132804-00433.warc.gz
| 0.943635 | 1,041 |
CC-MAIN-2019-04
|
webtext-fineweb__CC-MAIN-2019-04__0__41187587
|
en
|
The 5-Minute Rule for Make Money Online In Qatar
Similar to making money from online polls, GPT sites reward you in cash and coupons for completing various supplies or actions online.
Got a bicycle, motorbike or automobile What about a Smartphone That's all you need to generate a little excess money by delivering food or people whenever you've got some spare time.
Sign up to delivery specialist companies like Deliveroo who are constantly on the hunt for new riders. They let you total flexibility to work when you want, delivering meals from restaurants into the customers' door. You can make up to 16 an hour.
The Best Strategy To Use For Make Money Online In Qatar
Double-up your opportunities by immediately contacting local takeaways and larger chains like Dominos to determine if they have any delivery jobs going.
If students are good at anything, it's researching and writing. Together with the Amazon Kindle store, anyone can publish an eBook and make money.
And the Kindle program is now available on almost any device (notebooks, iPads, smartphones and yes, Kindles) so your worldwide marketplace is huge!
Make Money Online In Qatar - Truths
List your book for 1.49 - 6.99 and you earn 70% of the purchase. Considering Amazon is your greatest selling machine (and remember folks are looking to spend), that is a fantastic thing.
The trick to success with eBooks is to produce value, and compose non-fiction. Simply bundling information you've researched and compiled on a common problem (eg. 'secrets' to finding a project ) and then presenting it in an easy to digest format (an eBook) warrants someone spending a few quid on it. .
Make Money From Home In Qatar - An Overview
Another big tip is to have a fantastic cover designed (navigate these) so that it stands out, and once your publication is live on the Kindle store it's really important to get some reviews so that it shows up high in results. Encourage visitors to leave an honest review at the end of your book. .
The very best thing about this lucrative idea is that once you've invested time (say 20 hours), you are going to earn a passive income for years to come! For a step-by-step guide go to website to publishing and earning with eBooks, see"How to write a nonfiction eBook in 21 days".
Facts About Make Money Online In Qatar Uncovered
If you've got a fantastic presence on social networking or important site perhaps you even have a blog or site, you can start bringing in money instantly by promoting all kinds of companies, goods, services and supplies online.
Sign up as a publisher on the Awin network, check their offers blog or surf the merchant listings to find something you think your friends would be interested in, grab your affiliate link and discuss it. If someone buys (can be within around 90 times ) using your link you will make a nice commission. .
To take it a step farther, establish a website (read our guide) or a topical Facebook webpage and invite your friends to join it and post your own affiliate offers on there.
Fascination About Make Money Online In Qatar
You can earn good money and help the environment by recycling your old cell phones and other unused devices. Perhaps ask your parents if they have any lying around also.
Head to our page on making money from old phones for the best companies to use and how to ensure you get all the cash quoted to you online.
Make Money Online In Qatar - Questions
The Clickworker.com concept is based on'internet crowd-sourcing' where businesses advertise specific, scalable activities they need you can find out more completing quickly. And for us, it's an effortless way to make fast cash from our sofa.
There are an assortment of jobs, but most commonly they involve mindless data entry, internet research or form filling. You're rewarded and compensated in money (through Paypal) for the job you do, and you can choose for what and when you work. Give it a try. If you are US based, also try Amazon's'Mechanical Turk'. .
Some Known Incorrect Statements About Make Money Online In Qatar
Many students work part-time or during the summer months, and others will be on placements or paid internships. More often than not, if you're a student working during this calendar year, you will be overpaying income tax.
Why Just because few students reach the personal tax-free income allowance each year but are placed on an emergency basic tax-code by their companies meaning taxation is being paid when it shouldn't be.
To learn more and calculate how much taxation back you might be due, see our guide on student taxation refunds.
The Ultimate Guide To Make Money Online In Qatar
This is not only a means to make money but also to save money as a student. When you look at it in a different way then you're making money with every purchase you would have made anyway, whether it be 10 percent or 0.5% cashback.
|
economics
|
http://headpastor7cleo.blog5.net/13608107/realty-buying-tips-you-had-to-check-out
| 2019-01-18T09:42:13 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583660020.5/warc/CC-MAIN-20190118090507-20190118112507-00633.warc.gz
| 0.96871 | 1,180 |
CC-MAIN-2019-04
|
webtext-fineweb__CC-MAIN-2019-04__0__121351651
|
en
|
Who says that buying real estate is easy? There are need to sell my house fast tips to consider that you have to be ready to get down and dirty and really do the work it takes to find the right property. Using this guide, however, could get you to the right start in your search.
In evaluating the value of a piece of residential property, you should be cautious about nearby commercial or industrial properties. Keep in mind that while such properties might be inoffensive (or even vacant) at the moment you look at a nearby house, the future holds no guarantees. You should factor in the possibility that an undesirable, unpleasant or even dangerous business might move in at a later date.
An auction on a home that is being foreclosed can seem like a great way to get a good price. Keep in mind that there may be hidden liens or back taxes on the property that you will have to pay if you win it. Also, you can get sucked into the competition of winning, and end up going over your budget.
Consider buying that vacation home you've always wanted during a slump in the real estate market. Some of the lowest property prices in the country during a slump are in destination markets. Interest rates may also be lower for buyers in those markets, in an attempt to entice new buyers into the area.
The value of residential real estate is influenced by educational opportunities - that is, the kind of schools near a house will affect that house's price. Schools of any sort in close proximity are a plus, but the condition and reputation of the schools are also factors. Schools that parents love will boost a nearby house's value more than schools that parents consider troubled.
Your decision to make an offer on a house should be based on a lot of factors. One of them is the Home Owner Association (HOA) fees. In some cases this is an insignificant amount, but sometimes the amount reaches the several hundred dollars level. You need to read all the disclosures your real estate agent gives you, and make sure you can still afford the monthly payment on your new home.
You should factor in living costs before you make the decision to purchase a home. For example, a home in upstate New York will require more in heating costs than a home in Arizona. Alternatively, water will cost more in Arizona than in Mississippi. Decide what's click this link here now to you, and factor it in.
When buying a home, don't let your eyes become bigger than your wallet. Although your dream home might be extremely appealing, taking massive loans and trying to manage rapidly changing mortgages rates with your monthly incomes can turn into a nightmare. Be we buy properties in any condition and buy a house you can actually afford.
If you find a home to purchase and you've made an offer that has been accepted, do yourself a favor, and stop looking at homes on the market. Inevitably there may be something that comes along which will make you second guess your decision. Trust yourself enough that you are making the right decision and don't torture yourself with comparisons.
Be patient when buying a home. Don't rush into the process with an agenda of when you need to close by. Having an open time line will allow you to really make sure you are getting the best possible deal, and getting a great home that you will be happy with for a long time.
If you are going to purchase a home, you should read up on closing costs. These costs will vary depending where you live. You should discuss these fees with your lender, agent or the company handling the settlement so you understand specifically what these fees are for and who will pay them.
When you get into the real estate market do not be seduced by the posh appeal of gated communities. These neighborhoods with their own private security measures offer homeowners a sense of security that might seem worth paying for. Be aware that the security benefits of gated communities are marginal at best, and over time crime rates in such neighborhoods tend to match those in surrounding areas.
If you have ever lost a home to foreclosure it may be a little harder to get another home, but it is not impossible. Most mortgage guarantors will back another loan for you after three years if you lost your home due to something that was out of your control.
As you get ready to buy a home, consider how your finances will change over time. For example, if you plan to add on to your family, you will have more bills to contend with in just a few years. Crunch the numbers and make sure that you can afford any home you buy, even if your monthly expenses grow.
If you are buying a home for the first time, don't try to do it alone. The process is extremely complex and especially confusing for someone who lacks knowledge of the real estate market and closing process. Enlist the assistance of a lender, insurer, lawyer, and even an inspector.
Always make sure to stay in touch with your realtor so that you're aware of any last-minute changes in the plans. Staying in touch allows you to easily finalize the details. The quicker you get these things over with, the sooner you can move into your new property and start enjoying it.
When you buy a property and start investing in it, do not forget that you will want to sell it someday. Do not make changes to the structure that cannot be easily reversed. There is not much worse than spending big money on renovations that do not bring valuable returns.
In conclusion, it is important to become educated about house buying, whether you have already begun the process or not yet started. The above article gave you important information that could help you find the perfect home for you and your family. After all, being educated in the house buying market is a plus!
|
economics
|
https://primepennies.com/entertainment/house-lawmakers-propose-changes-to-improve-medicare-part-d/
| 2020-03-29T21:52:02 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370496227.25/warc/CC-MAIN-20200329201741-20200329231741-00427.warc.gz
| 0.948816 | 331 |
CC-MAIN-2020-16
|
webtext-fineweb__CC-MAIN-2020-16__0__105344017
|
en
|
UPDATED 9:40 AM PT — Wednesday, June 26, 2019
House lawmakers from both sides of the aisle are working to improve Medicare Part D amid the rising cost of prescription medication.
Representatives Doris Matsui and Brett Guthrie reportedly hashed out ideas during an event Tuesday. While Democrats like Matsui favor expanding the federal government’s power to bring down prices, Republican lawmakers are looking to enable competition.
Despite their differences, GOP Representative Guthrie said he is optimistic about the bipartisan effort and offered suggestions to reduce costs for Americans. He said he hopes to hammer out a deal to be signed by the president by fall.
This comes as President Trump moves to cut the increasing costs of health care and bring transparency to the health care system. Earlier this week, the president signed an executive order requiring hospitals and insurance providers to make prices public as well as provide estimates for out-of-pocket costs.
“We’re making new affordable health options available to millions of American workers through the association health plans, short-term plans, and health reimbursement arrangements,”stated President Trump. “We’re working with Congress to stop surprise medical billing…because no American should be blindsided by bills for medical service they never agreed to in advance. ”
Prices have not been readily available to consumers, and list prices often vary between hospitals and insurance providers even within the same region.
Proponents of the measure say the greater transparency will allow patients to shop around, which could drive competition and lower prices in the long run.
Original Source -> House lawmakers propose changes to improve Medicare Part D
|
economics
|
http://www.easycargo3d.com/pricing/?partnerCode=956204
| 2018-09-25T12:39:27 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-39/segments/1537267161638.66/warc/CC-MAIN-20180925123211-20180925143611-00337.warc.gz
| 0.909691 | 439 |
CC-MAIN-2018-39
|
webtext-fineweb__CC-MAIN-2018-39__0__12665230
|
en
|
EasyCargo runs online right in your web browser. Get a free 10-day trial of the full version. After the free trial period, we are happy to offer you a license that best fits your needs.
How to order a full license?
- Sign into EasyCargo and on a Licenses tab click a button at the bottom for a page Order more Tickets and Licenses
- Use our contact form
- Send an e-mail to: [email protected]
We will activate your full license immediately and send you a payment confirmation with an invoice.
The payment is processed via PayPal or PayU secured webpage with an option to pay by credit card.
What does one EasyCargo license include?
Access to fully functional version for a subscribed period:
- One license can be shared with other users within your company, as long as only one user is signed in at the same time.
- Process and save unlimited number of calculations and reports.
Application updates and fixes on regular bases.
Technical support is provided via email or our contact form.
Why is EasyCargo worth the money?
- EasyCargo saves time: Let’s assume that your employees will save 30 minutes when using EasyCargo for planning and stacking loads into cargo space. Say that an average cost per employee is 10 EUR per hour. Your license cost is therefore paid back after only 8 load plans a month. From that point, every load planned with EasyCargo literally saves you additional 5 EUR.
- EasyCargo saves space: When transporting goods from Paris to Barcelona, price for one fully loaded truck might be 1 000 EUR or more. If EasyCargo saves you 5% of the truck space, the costs for a month license are instantly paid back. Every other shipment planned with EasyCargo saves you extra money.
EasyCargo price is comparable to the price of unlimited one or two cell phone subscriptions. You can think of it as having another company phone, but with much higher added value!
Explore Container Load Plan interactive example on how you and your customers or vendors can view your shipment plan.
|
economics
|
https://www.coincompare.co.uk/dealers/gerrards-bullion
| 2023-12-11T18:38:08 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679516047.98/warc/CC-MAIN-20231211174901-20231211204901-00679.warc.gz
| 0.833779 | 104 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__124113249
|
en
|
Telephone Opening Hours:
Monday - Friday, 9am - 4pm
Gerrards (Precious Metals) Ltd
63-66 Hatton Garden
Gerards has been providing precious metal services for over 50 years. Our London office provides secure insured storage and collection of your bullion, you can also buy gold and silver bullion directly on our website or sell scrap precious metals to us with same day payment options.
You can find more information about the other dealers we compare on our dealers page.
|
economics
|
https://thaum.io/work/clickedin.html
| 2021-06-14T16:02:57 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487612537.23/warc/CC-MAIN-20210614135913-20210614165913-00443.warc.gz
| 0.968767 | 179 |
CC-MAIN-2021-25
|
webtext-fineweb__CC-MAIN-2021-25__0__54928576
|
en
|
With increasing fuel prices and the imminent need to reduce our carbon footprint, the practical benefits of carpooling are clear. However, the biggest obstacle to user engagement is the difficulty to foster trust between passengers.
We realised that since the most common carpooling opportunity is to-and-from the workplace, we could use the trust in professional relationships to make carpooling attractive to users.
ClickedIn (formerly OfficePool) connects commuters belonging to companies sharing the same office block. New users are verified by their employer and connected to other nearby workers. Employees are incentivised to participate both because of cost-savings and networking opportunities; Employers are incentivised to participate since their support of the platform can be used to meet sustainability KPIs.
Through ClickedIn, we will build a carpooling economy around the workplace, delivering financial and professional benefits to both employees and employers.
|
economics
|
https://www.chairmanturnersball.org/the-cause
| 2020-04-02T19:46:30 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370507738.45/warc/CC-MAIN-20200402173940-20200402203940-00288.warc.gz
| 0.962495 | 266 |
CC-MAIN-2020-16
|
webtext-fineweb__CC-MAIN-2020-16__0__205394193
|
en
|
Kathy Hood is the founder and CEO of Marvelous Light Empowerment Association (MLEA), a non-profit organization dedicated to changing the lives of families and individuals by providing the tools and resources necessary to grow and develop physically, mentally, spiritually and financially through a myriad of services, forums, training and workshops. Kathy’s hard work, expertise and experience has propelled MLEA to become one of an elite few non-profit organizations responsible for the recent expansion of South Fulton’s economic footprint.
Under the umbrella of MLEA, Kathy has established a number of outstanding programs; among them is Woman University.
Woman University was created to provide services, educational opportunities and resources to equip women to become community leaders and business owners through a creative, supportive global network. Kathy has partnered with a number of companies and organizations like the South Fulton Chamber of Commerce, Atlanta Technical College, the Collaborative Firm, BB&T Bank, Regions Bank and most recently, PowerMyLearning and Google, to assist in the provision of services and resources needed to accomplish the program’s mission. Since its inception, Woman University has produced several new female business owners throughout the Atlanta metro area.
She is devoted and committed to empowering and developing women, business owners and leaders in her community and throughout the country.
|
economics
|
https://lovo.ai/post/tts-market-update-april-2021
| 2023-10-02T11:34:12 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510994.61/warc/CC-MAIN-20231002100910-20231002130910-00595.warc.gz
| 0.937612 | 775 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__97741641
|
en
|
The increasing demand for automation and consumer convenience is at the forefront of the growth of the TTS (Text to Speech) market. According to the latest reports from Emergen Research, the global TTS market is expected to grow from USD 2.0 billion to USD 7.06 billion by 2028, at a steady CAGR of 14.7%, while the overall Speech and Voice Recognition Market is expected to reach USD 31.82 billion by 2025, at a CAGR of 17.2%. This market growth can be attributed to the leaps in innovation in neural networking and custom voice cloning in recent years. With the latest announcement of Open AI’s GPT 3 language prediction model, these advancements are bound to continue.
While large enterprise accounts are the leading adopters of TTS services as of now, SMEs are expected to grow their purchasing interest in TTS substantially during the forecast period (2020 ~ 2027), primarily driven by the increasing awareness of the cost-efficiency of adopting TTS with existing CRM tools. These adoptions can come in the form of Intelligent Virtual Assistants (IVA), interactive chatbots, and branded custom voices.
While SME usage grows, the TTS market for the healthcare vertical is predicted to grow with the highest component CAGR, as personalized healthcare applications for an increasing elderly and visually impaired population require high-quality voice notifications.
According to the Brouton Lab, there has been a substantive spike in demand for TTS with the rise of COVID, as the technology allows for rapid publishing of explainer videos and audio manuals, crucial to persuade active engagement from patients and increase awareness of health guidelines, especially for audiences with visual disabilities and language constraints.
In fact, LOVO recently partnered with Stanford MedIC to accelerate their content production process by allowing them to easily localize education videos around COVID.
With the global transition from physical classrooms to virtual ones, the TTS industry has seen a wave of support from government education funds. For example, through the Individuals with Disabilities Act, the US Department of Education annually grants USD 10,000 ~ 20,000 to each student with a disability, in coordination with service packages including adoption of accessibility technology, and TTS-powered media services and curriculums.
Several Learning Management Systems (LMS), textbook publishers, and MOOCs are also leveraging TTS by applying it to their services, providing a more audio-interactive blended learning experience for students.
Emergence of APAC
In Asian markets such as India, China, Australia, Japan, South Korea, Indonesia, and Singapore, TTS services have been able to penetrate the consumer sector, with wide adoption of voice-activated technology in daily life. But while AI-enabled TTS has been deployed in public airports and ATMs, the surge can also be witnessed in the private sector, especially in the form of cloud-based TTS solutions. The scalability and applicability of these cloud applications has grown interest in APAC-based SaaS enterprises, with companies integrating branded AI Voices into their products to build personalized user experiences.
The TTS industry may be packed, but Genny differentiates itself with its user-friendly platform and industry-leading HD synthesis technology. It not only includes over 400 voices in 100 languages for content creators to choose from, it also allows users to easily integrate TTS with their APIs, and build natural-sounding clones of their voice with just 5 minutes of recording data.
Not sure how to use Genny or AI voiceover tools yet? Check out these blogs!
– A Guide to Using AI Tools in Your Content Creation Flow
– How to Create a Professional Voiceover in 5 Minutes
|
economics
|
https://chiccodes.com/coupon/kiwitaxi/
| 2024-03-01T21:54:19 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475701.61/warc/CC-MAIN-20240301193300-20240301223300-00829.warc.gz
| 0.912317 | 656 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__137106679
|
en
|
Table of Contents
Kiwitaxi – Your Path to Affordable and Convenient Travel
In an era where smart spending is paramount, finding ways to make your travel both affordable and seamless is a discerning choice. Kiwitaxi, a distinguished player in the realm of airport transfers and ground transportation, is your trusted partner in achieving just that. By utilizing Kiwitaxi’s services, you not only secure reliable and punctual transfers but also open the door to significant cost savings on your journeys.
The Kiwitaxi Advantage
Kiwitaxi is a global platform that connects travelers with reliable local transportation providers. It offers a range of transfer options, including private cars, shared shuttles, and more, all designed to ensure a smooth transition from the airport to your destination.
1. Cost-Effective: Kiwitaxi is often more budget-friendly than traditional taxi services, offering competitive and fixed rates for your transfers.
2. Reliable Service: With a network of trusted local providers, Kiwitaxi ensures your journey is safe and punctual.
3. Ease of Booking: The booking process is straightforward, with a user-friendly website and mobile app, making it easy to reserve your transportation in advance.
4. Wide Coverage: Kiwitaxi operates in numerous cities worldwide, providing reliable transfers at your chosen location.
How to Save Money with Kiwitaxi
- Early Booking: Plan your transfers in advance. Kiwitaxi often offers discounts for early reservations. By booking ahead, you secure your transportation at a reduced rate.
- Use Promo Codes: Keep an eye out for Kiwitaxi promo codes. These codes can be found on their website, in newsletters, or through online searches. Applying a promo code during the booking process can unlock additional savings.
- Group Bookings: If you’re traveling with a group, consider booking a shared shuttle. Sharing the ride with others can significantly lower your costs.
- Round-Trip Transfers: When booking a round-trip transfer with Kiwitaxi, you can often enjoy a more favorable rate compared to booking one-way transfers separately.
The Kiwitaxi Experience
Travelers who have experienced Kiwitaxi’s services often appreciate not only the cost savings but also the overall convenience. The reliability and punctuality of Kiwitaxi drivers make for stress-free journeys, ensuring you reach your destination comfortably and on time.
Kiwitaxi is more than just a transportation service; it’s your key to saving money while traveling. With competitive rates, early booking discounts, and the potential for extra savings through promo codes, Kiwitaxi provides a cost-effective solution to your transfer needs.
By opting for Kiwitaxi, you can enjoy a hassle-free travel experience without worrying about unexpected costs or unreliable transportation. It’s time to travel with confidence and financial peace of mind. Whether you’re exploring a new city or returning home, Kiwitaxi is your road to affordable and convenient travel.
Book your airport transfer with Kiwitaxi today and experience the difference!
|
economics
|
http://metrobrewing.blogspot.com/2007/12/larry-bell-distribution-and-chicagoland.html
| 2018-06-24T04:51:33 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267866358.52/warc/CC-MAIN-20180624044127-20180624064127-00040.warc.gz
| 0.977998 | 1,071 |
CC-MAIN-2018-26
|
webtext-fineweb__CC-MAIN-2018-26__0__132324689
|
en
|
The Chicagoland craft beer community is buzzing... so to speak. We are once again able to purchase pints of Larry Bell's beer in several locations in the city and the 'burbs. To catch you up, Kalamazoo Brewing pulled out of our market due to a dispute with their IL distributor, National Wine and Spirits. Debate and rumors have been flying to and fro since.
Why do beer manufacturers need to use distributors?
This is due to the mandated three-tier system in IL. From Nicholas Day's article linked above, "The system, which stipulates that all alcohol has to pass through a middleman, was established to ensure that producers couldn’t run bars and limit consumer choice by exclusively serving their own drinks, a situation known as a “tied house.” Keep in mind that this is a good thing. This has kept us from being limited to haunting "Miller bars" and "Budweiser bars."
Why did Kalamazoo Brewing pull out of the IL market?
The problem Larry Bell ran into is described in Day's article: "... according to state law, NWS was entitled to sell Bell’s distribution rights to another wholesaler without his approval, and a few months ago it decided to do just that, in a deal with Chicago Beverage Systems— the Miller distributor in Chicago." It just so happens that CBS has been sited by folks in the local craft beer industry as a distributor that doesn't exactly have what it takes to sell craft beer. Larry Bell started his brewery with $200, boatloads of luck, and endless hours of hard work. For what? To be sold to a distributor without his input? What if he didn't want to work with CBS? Well, he had (as far as we know) 2 options: work with CBS or pull out of the market.
Okay, so screw CBS. Why didn't Larry Bell just make a deal with a different distributor?
Agreements between distributors and beer manufacturers are very difficult to terminate. This is due to franchise laws and the Beer Industry Fair Dealing Act, which was written to protect distributors from being financially ruined by large breweries. Say a distributor busts their hump to get beer out there and promote for a brewery; the brewery succeeds famously as a result; and then the brewery dumps the distributor for a different one. That type of protection seems logical enough, but the incident with Kalamazoo Brewing has highlighted a bias in the franchise laws: they apply to the relationships between small distributors and large breweries. Smaller craft breweries don't have the financial clout to bring down a distributor, but the laws apply to us anyway.
Distribution sucks... right?
No. Getting into the craft beer industry takes a lot of work and planning. Add to that the stresses of putting together and managing a fleet of trucks - tickets, towing, accidents, CDLs, maintenance, etc.?!? No thanks. We got into the industry to make beer. That's enough to think about. Even if we were in a state that didn't mandate the three-tier system (coughWisconsincough), we would still make deals with distributors based on our business model. That, or we'd get a friend to start a distribution company. Anyone interested?
Larry Bell was quoted in the articles above: "Normally when you go see a distributor, they say, ‘We’ve gone out and tried the beers and we’re very excited about selling Oberon.’ Unfortunately, I got into a relationship with a wholesaler that didn't have our best interest at heart." And that's the key, folks. Distribution agreements can be profitable for everyone involved, provided the deal you make is fair. The best bet is to get into agreements with distributors who know how to handle craft beer and who are willing to work collaboratively with manufacturers.
Okay, blah blah. Distribution agreements are complicated. The most important thing is that we can now enjoy Larry Bell's beer at some locations in Chicagoland again. How?
A new company exists: Bells Brewery Incorporated. This company is entering the market with a new brand called Kalamazoo. The first beer available from this company is Royal Amber Ale. We haven't tried it yet, but some well-beerducated folks we know went out this week to taste it. Apparently, they loved the beer so much that they had to skip their reasonable dinner plans for late-night burritos. This, as you know, is a very good sign.
We at Metro Brewing are thrilled to have Larry Bell back in our market. No, really. We mean this. The more craft beer available, the more people are going to drink it. Craft beer drinkers like choice and variety, so why not have lots of both available to us? Sure, we might have to fight for taps that Kalamazoo Royal Amber Ale now occupies, but you know, that fight would exist either way. And really, we love Larry Bell's beer. Having a few local taps will save us lots of gas money and time since we won't have to make as many border beer-runs. Now, if we could just get New Glarus down here again...
|
economics
|
http://harvardvc.com/
| 2024-04-13T12:48:51 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816734.69/warc/CC-MAIN-20240413114018-20240413144018-00146.warc.gz
| 0.871065 | 202 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__18860381
|
en
|
Venture Capital Club for Innovative Minds at Harvard University
Here at the Harvard VC Club, we go deep into the world of venture capital and startups with untapped potential and groundbreaking ideas. Our student club provides an unparalleled platform where future leaders and investors can connect, collaborate, and convert concepts into tangible realities. The Harvard VC Club is more than an organization; it’s a movement. Whether you’re an entrepreneur, an aspiring venture capitalist, or you’re just interested in dabbling in the VC asset class, the Harvard VC Club is your launchpad and a community that’s not only witnessing the future of venture capital but actively shaping it. Let’s redefine what’s possible together. Are you a Harvard University student who is passionate about venture capital and startups? We invite you to join us on this exciting journey. Apply to become a member of the Harvard VC Club today, and let’s innovate and grow together.
|
economics
|
https://www.domainshop.com/why-buy-domains
| 2024-04-15T15:59:40 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817002.2/warc/CC-MAIN-20240415142720-20240415172720-00444.warc.gz
| 0.95097 | 384 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__44797682
|
en
|
We've sold many domains each year since 1999.
The right domain name can take your business to the next level.
If you have a business or plan to start one on the internet, Then domain names are important.
That's why many people buy valuable domains from DomainShop.com
The domain name market and domain name portfolios is exploding. Why For several fundamental reasons:
Ten to fifteen percent of all search traffic is generated by direct navigation: people speculatively typing domain names directly into a browser's address bar, expecting to find relevant content. This "primary traffic" is highly targeted and offers the highest conversion rates. Smart businesses buy as many relevant domain names as possible to help lead searchers to their site, rather than paying (again and again) for every click to search engines.
Marketers can increase traffic to websites by linking a web of complementary domains and product-specific microsites to their main business. Selecting domains that are descriptive of individual products, services and connecting them to an appropriate landing page within a site can effectively accelerate purchase activity and help better target (or replace) search advertising dollars.
Another key driver of interest in domain names is the need by companies of all sizes to effectively develop and protect their online brand. As a company's investment and reliance on online marketing increases it becomes ever more important to control all of the ways by which customers and partners find those web properties. Smart companies not only buy their core brand name in each major TLD (e.g. com, net, org, etc.) but each of the typos and close variations of their brand names
Domain names are the "real estate" of the Internet, and as such, are steadily increasing in value as the most desirable locations become more scarce. As the strategic importance of an online presence rises for business the world over, the price for a good domain will continue to rise in kind.
|
economics
|
https://blog.openfarm.cc/2015/03/09/openfarm-inc-a-california-non-profit-public-benefit-corporation/
| 2023-03-29T16:43:02 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296949009.11/warc/CC-MAIN-20230329151629-20230329181629-00079.warc.gz
| 0.950059 | 1,012 |
CC-MAIN-2023-14
|
webtext-fineweb__CC-MAIN-2023-14__0__257995541
|
en
|
We’re proud to say that OpenFarm is officially incorporated as a California Non-Profit Public Benefit Corporation! Read on to see why we chose this legal entity.
First off, why have a legal entity at all? The answer is for several reasons:
- To separate and protect OpenFarm’s finances from our staff’s personal finances
- Because we offer a service and because we collect and store user information, we have liability. This means we need legal protection and insurance, of which a legal entity gives a framework for protecting our staff, our users, and the organization
- To hire and pay our staff members and pay any taxes due on revenues or other activities
- To enable us to partner with other organizations and individuals in a more formal way
- To allow the organization to be perpetuated if/when the founding team members move on
- To protect the organization from internal conflicts and interests especially related to ownership, intellectual property, and revenues
- To formalize the organization’s purpose in a legally binding way
- To ensure that any assets and capital the organization owns is in good trust to be used for the intended purpose of the organization
Of the legal entity options available, we considered the ones below and had the following thoughts about each. We ultimately chose the non-profit public benefit corporation based on our analysis of the options and our goals and intentions for the organization.
- Co-op – The co-op model is fantastic for many organizations with social, environmental, and public benefit intentions. It seems to work best for well defined, small to medium sized groups of people: either people of a specific geographic region, or of a specific industry and who have very specific goals in mind. The co-op model doesn’t seem like it would scale easily to a global membership, or be suitable for a new organization like OpenFarm that is still setting its roots and figuring out what exactly it will be growing into. However, we do think that OpenFarm will function a lot like a co-op because of our values of transparency, inclusivitiy, and our purpose being to serve our users rather than to make profits.
- Traditional for-profit C-Corp or S-Corp – This just doesn’t fit with our ethos. OpenFarm is not here to make profit for founders or shareholders. We’re here to fill a need, to build community, to promote an open future, and to provide value in an efficient manner – not extract it. Though we think that business is a strong force for social change, we believe that money as a motivator is not a prerequisite for doing business. We view money as a means to an end. Not an end in itself.
- B-Corp or Benefit Corp – This type of entity is essentially a traditional for-profit entity with the added ability to legally have social and environmental goals in addition to profit goals. Many forward thinking socially minded for-profit companies are switching to this entity, though it isn’t quite right for OpenFarm because we don’t see the need for money to be one of our goals at all, or for there to be shareholders of OpenFarm.
- Traditional non-profit public benefit corporation – The traditional non-profit model allows us to place our values and goals first and foremost. It removes money and profit from being an end goal, and ensures our Vision is the true end goal. Being a non-profit allows us to pursue many grant funding opportunities that can allow us to scale and grow in ways that would not normally be financially sustainable or feasible. Furthermore, many other organizations and individuals desire to work with, volunteer for, and donate to non-profits for tax benefit purposes and the added security that the organization is Mission/Vision driven and will use its resources for those purposes, not for profit. Last, as a non-profit, we have the opportunity to become 501(c)3 tax exempt, which means we don’t have to pay many taxes because we are doing a social and public good.
2 thoughts on “OpenFarm Inc – A California Non-Profit Public Benefit Corporation”
I am so glad to see the donation I gave to get this site started is going non-profit. As a teacher for 21 years I have shared my knowledge with kids who just soaked it up and shared with their classmates and friends, and I feel that this is the kind of country in which I want to live – one where money does not wield power and knowledge is shared by all.
I share the sentiments of Mr. Deroche, Jr. Thank you for acting to preserve the efforts from the designers and supporters by creating a non-profit public benefit corporation. I am especially pleased that this will help continue the OpenFarm even if the founders are ready to move on or are unable to continue to lead. Well Done!
Sincerely, a Kickstarter supporter, Fern
|
economics
|
http://redlinefreightsystems.com/about/
| 2020-05-27T08:01:08 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347392142.20/warc/CC-MAIN-20200527075559-20200527105559-00249.warc.gz
| 0.952159 | 513 |
CC-MAIN-2020-24
|
webtext-fineweb__CC-MAIN-2020-24__0__81524852
|
en
|
Red Line Freight Systems is a Northeast Regional Volume LTL/Truckload and Distribution Carrier headquartered in Randolph, MA. Red Line Freight Systems offers shippers same day and next day service to all points throughout the Northeast. Our vision is to be the best Volume LTL/Truckload Distribution carrier in New England. Our goal is to operate in a manner that sets the highest standards of quality and efficiency in the transportation business. The mission of Red Line Freight Systems, Inc. is to be the recognized leader in providing high-quality, cost-effective, regional Volume/LTL Truckload and Distribution transportation services. We will accomplish our mission through educating, training and empowering our employees who are dedicated to continuous improvements. Our ultimate measure of success will come from customer loyalty and partnerships. The services provided by Red Line Freight Systems, Inc. are the end result of our efforts and are designed to meet or exceed our customers' needs and expectations. We value every customers business. We act seamlessly as a supply chain provider, adjusting to our customer’s requirements quickly and efficiently. We are a local family owned business, providing transportation services for the past 20 years In this day and age, transportation solutions in most companies have moved from back office challenges of doing business to complex, costly, ever changing operations. Cost control, safety, driver capacity, service levels, compliance and just keeping up with the changing marketplace are becoming critical to the success of any business. How can your business become equipped to handle all the facets of these challenges and actually move forward?
Red Line Dedicated Services specializes in providing customized dedicated contract carriage solutions for any type of fleet. With a Red Line Dedicated fleet, you have the comfort of knowing all aspects of your transportation needs are being managed so that you can concentrate on essential core business matters.
Transportation costs continue to rise and the complexities of fleet ownership can be overwhelming. Our understanding of fleet management offers you a distinct competitive advantage. We work with customers of all sizes, and we offer solutions that will ensure you contain and control transportation costs while continuously improving service to your clients.
Red Line is a family owned and operated Business servicing New England Eastern NY and Northern NJ. We pride ourselves on Commitment, Integrity and Results. Red Line always put our customers first and make sure our drivers give the best Pickup and Delivery Experience in the Industry. Dedicated to our on time and result based service, we always deliver on our promise. Our Family has over 65 years of Experience in the world of Logistics.
|
economics
|
https://www.microsys-tech.com/2020/03/06/most-useful-bad-credit-loans-for-2020/
| 2021-10-19T05:13:02 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585242.44/warc/CC-MAIN-20211019043325-20211019073325-00365.warc.gz
| 0.95711 | 1,875 |
CC-MAIN-2021-43
|
webtext-fineweb__CC-MAIN-2021-43__0__234418149
|
en
|
Minimal credit causes it to be difficult to get a company loan from the conventional bank, many online loan providers provide alternate loans for bad credit. These loan providers look away from credit rating and start thinking about other facets, such as for instance just how long you’ve experienced company along with your yearly income, whenever gauging your creditworthiness.
No matter your credit rating, you nevertheless would you like to check around for low interest and versatile payment terms before investing a bad credit company loan. But despair that is don’t simply because your own personal credit history is significantly less than stellar does not suggest your online business has got to suffer.
The easy Dollar’s Picks for Best Loans for Bad Credit
- Perfect for New Businesses: OnDeck
- Perfect for Organizations with Great On The Web Ratings: Funding Circle
- Perfect for Established Organizations: Fundation
- Best for Seasonal Companies: Dealstruck
- Perfect for Organizations with Outstanding Invoices: BlueVine
- Best for Companies with Constant Charge Card Receipts: Capify
Just the right lender for you personally is determined by your online business and what sort of financing you’ll need — whether it is a basic term loan, a personal credit line, or an advance on outstanding invoices. Read on to learn more about our top picks.
Perfect for New Organizations: OnDeck
- Borrowing Limitations: $5,000-$500,000
- APR: Starting at 9.99per cent for very long term loans; 9% for short term installment loans
- Credit demands: 600+ credit rating; at the least 12 months running a business; $100,000 yearly income
Whom it is best for: OnDeck is really a good selection for business people who don’t have great credit, but have actually the way to repay that loan quickly.
OnDeck offers fixed term loans with daily or repayment that is weekly. Perhaps you understand your online business can certainly make cash within the next month or two, however you have to create a purchase now. You might borrow $10,000 to expend on gear, as an example, and work out fixed daily re re payments over 90 days.
And even though they will have pretty minimum that is easy-to-meet, almost all of OnDeck clients have actually a credit history of over 660, have been around in company for seven years, while having profits that exceed $450,000.
Even though OnDeck works closely with borrowers much more than 700 companies, certain company aren’t eligible for loans, including drug dispensaries, firearms vendors, and fortune tellers.
Perfect for Organizations with Great On The Web Ratings: Funding Circle
Funding Circle Shows
- Borrowing Restrictions: $25,000-$500,000
- APR: Starting at 4.99per cent and differs centered on term
- Credit demands: minimal credit rating of 620; at the least two years running a business; $150,000 yearly income
Whom it is best for: companies with good income and shining consumer reviews that would like to buy stock or employ staff.
Funding Circle is a lender that is peer-to-peer takes under consideration a amount of facets whenever determining your rate of interest and origination fee — from your own business’s cashflow to online consumer reviews. After filling in a fast, initial application, Funding Circle assigns you a merchant account supervisor and private underwriter to support the mortgage procedure to get a better knowledge of your online business.
Like OnDeck, Funding Circle will not provide to industries that are certain including nonprofit companies, gambling companies, and cannabis dispensaries.
Perfect for Established Organizations: Fundation
Whom it is beneficial to: companies (with at the least a small number of workers) in search of convenient funding to buy the stock they want.
Fundation provides traditional term loans to more founded companies when it comes to purposes of “expansion, gear, and money improvement. ” Additionally they just use their very own money that will be not the same as various other loan providers. Your individual charge is dependent on a few facets that fall under the types of company security, credit score, money credit and financial obligation, and economic metrics. Additionally they don’t have prepayment penalties, therefore you won’t be hit up with additional fees if you suddenly have the extra cash to pay off the remaining balance.
Best for Seasonal Organizations: Dealstruck
Who it is great for: regular companies that want to buy stock.
Dealstruck’s Inventory credit line enables companies to get stock whenever costs are good, regardless of if they don’t have the bucks on hand. By having a credit that is revolving and interest-free duration, companies — specially retailers — can plan for future periods without emptying their pouches. Dealstruck also provides term loans and account receivable credit lines.
Perfect for Companies with Outstanding Invoices: BlueVine
- Borrowing limitations: $5,000 to $5,000,000 (though applications for over $250,000 require additional information
- Rates & costs: Rates begin at 0.25percent per week
- Credit needs: 530+ credit history; at the very least 90 days running a business; minimal $10,000 revenue that is monthly
Whom it’s great for: companies that have to fill short-term cashflow gaps and don’t have actually any stock to borrow secured on.
BlueVine Invoice Factoring is made for B2B companies that require money now and can’t wait for his or her clients to cover invoices that are outstanding $500. The program takes moments to accomplish, and also you might be authorized in 24 hours or less, with BlueVine having to pay 85% to 90percent associated with the cash upfront. Once the invoice is born, clients will be sending re payment to your BlueVine account (rather of the company account).
BlueVine just takes invoices that meet certain criteria, including whether or not the solution ended up being finished, the worth (should be more than $500), additionally the date that is due. After you have a credit that is approved, you’ve got the freedom to ascertain which invoices you need funded.
The way we Picked the greatest Bad Credit Business Loans
Because of this roundup of the finest bad credit company loans, we took the following criteria into account:
- APR and charges: One trade-off to be in a position to get a business loan when you yourself have bad credit is the fact that it usually involves having to pay a greater rate of interest or maybe more in fees. The greatest loan providers function the essential competitive prices and keep costs as little as feasible.
- Repayment terms: Before you accept any loan, you must understand exactly how repayments mount up find that loan with terms which are appropriate towards your company structure.
- Minimum credit needs: the very best loan providers recognize that your credit history alone is not fundamentally a measure of the business’s ability to settle financing.
- Funding quantity: small businesses have actually various borrowing needs additionally the lenders featured here offer loans with wide ranges.
- Funding speed/convenience: on line loan providers are appealing because their loan funding and application procedure is faster than conventional banking institutions.
- Reputation: the internet financing market is quite brand brand brand new, nevertheless the most useful loan providers would be the people whose track records have proven them to be trustworthy.
Having bad credit doesn’t imply that a business loan has gone out of your reach, so look around and think about the options. Additionally, it is usually a good concept to invest some time and browse the small print. Also though you’re usually the one who requires cash, in cases where a loan provider will probably look closely at your financials and company history, it is necessary for one to do equally as much digging to make certain that you’ve made a good choice for your needs.
Watch out for prospective pitfalls.
Dealing with a loan might help your online business grow or remain afloat whenever money is tight, however it’s not without specific dangers. Before investing in a credit that is bad loan, you wish to give consideration to:
- Price: Borrowing cash for your needs when you’ve got bad credit probably means spending more in interest and charges if you had good credit than you would.
- Obligation: even though a loan provider is not seeking security, they could require an individual guarantee or a blanket lien in your business loan.
Want an improved company loan? Improve your personal credit rating.
You can’t secure any sort of loan because of your bad credit, you need to work on building your personal credit score if you’d rather go a more traditional lending route, or. Find out more about what’s considered an excellent credit history and exactly how to construct credit.
|
economics
|
https://waytoweb.in/solutions/fintech-solutions
| 2023-09-30T05:51:10 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510603.89/warc/CC-MAIN-20230930050118-20230930080118-00263.warc.gz
| 0.888605 | 718 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__10703651
|
en
|
A gallery of astonishing solutions delivered to the most
A glimpse to our expertise in design, development &
Explore how Waytoweb delivered IT Solutions to Startups &
Digital tools developed by us for businesses to be more
At Waytoweb, we understand the transformative power of financial technology (Fintech) in
shaping the future of financial services. Our mission is to provide cutting-edge Fintech
solutions that empower businesses to thrive in the rapidly evolving digital landscape.
Fintech solutions revolutionize traditional financial processes, making them faster,
more efficient, and cost-effective. From payment processing to automated accounting,
our Fintech solutions streamline your financial operations, freeing up valuable time
and resources for your core business activities.
Security is at the heart of our Fintech solutions. We deploy advanced encryption and
authentication measures to safeguard your sensitive financial data and protect you
and your customers from potential threats. With Waytoweb's Fintech solutions, you
can transact with confidence, knowing your financial information is secure.
In the digital age, customers expect seamless and user-friendly financial services.
Our Fintech solutions are designed with the end-user in mind, providing intuitive
interfaces and smooth interactions. Delivering an exceptional customer experience
enhances loyalty and drives repeat business.
Making informed financial decisions requires access to real-time data insights. Our
Fintech solutions equip you with powerful analytics tools, providing valuable data
and actionable insights to help you optimize your financial strategies and drive
With the increasing popularity of mobile devices, it's essential to offer
mobile-responsive financial services. Waytoweb's Fintech solutions ensure that your
financial applications and services are accessible on smartphones and tablets,
catering to your on-the-go customers.
At Waytoweb, we have a team of skilled developers and Fintech specialists with years
of experience in the industry. We stay updated with the latest Fintech trends and
technologies, enabling us to deliver innovative and future-proof solutions.
We believe that every business is unique, and that's why we take a personalized
approach to understand your specific requirements. Our team works closely with you
to develop tailor-made Fintech solutions that address your business challenges and
align with your goals.
Our Fintech solutions are designed to grow with your business. Whether you're a
startup or an established enterprise, we offer scalable solutions that can
accommodate your evolving needs. We also ensure seamless integration with your
existing systems for a smooth transition.
Customer satisfaction is at the core of what we do. We prioritize communication and
collaboration, keeping you informed throughout the development process. Our team is
always available to provide ongoing support and assistance, ensuring your Fintech
solutions operate at their best.
Unlock the full potential of your financial services with Waytoweb's Fintech
solutions. Experience the power of innovation, security, and efficiency in your
financial operations. Contact us today to embark on a journey of digital
transformation with our comprehensive Fintech solutions. Let Waytoweb be your
trusted partner in navigating the future of finance.
Get a free estimate of what you need & Jump-start your project within 12 hours.
|
economics
|
https://saint-damase.cdncompanies.com/finance/moneygram-saint-damase/
| 2018-05-20T09:44:45 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794863277.18/warc/CC-MAIN-20180520092830-20180520112830-00406.warc.gz
| 0.651533 | 247 |
CC-MAIN-2018-22
|
webtext-fineweb__CC-MAIN-2018-22__0__108663313
|
en
|
MoneyGram – Financial company in Saint-Damase, QC – 369 Rue de l`Église, Saint-Damase, Québec. Read verified and trustworthy customer reviews for MoneyGram or write your own review.
|Categories:||Financial companies in Saint-Damase, Financial companies in Québec|
|Postal code:||G0J 2J0|
|Address:||369 Rue de l`Église, Saint-Damase, QC, G0J 2J0|
|Phone Number:||(418) 776-5688|
|Suggest an Update|
Monday: 9:30 AM – 5:00 PM
Tuesday: 9:30 AM – 5:00 PM
Wednesday: 9:30 AM – 6:00 PM
Thursday: 9:30 AM – 6:00 PM
Friday: 9:30 AM – 6:00 PM
Saturday: Open 24 hours
Sunday: Open 24 hours
Each review that comes in goes under comprehensive review moderation to avoid fraudulent/fake reviews.
More about MoneyGram
Customer ratings and consumer reports on MoneyGram – financial company in Saint-Damase, QC.
|
economics
|
https://parts.toyotaofcoolsprings.com/payments
| 2020-05-26T03:47:36 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347390442.29/warc/CC-MAIN-20200526015239-20200526045239-00447.warc.gz
| 0.953348 | 385 |
CC-MAIN-2020-24
|
webtext-fineweb__CC-MAIN-2020-24__0__158185352
|
en
|
You can choose to pay with either you PayPal account or a major credit card. Most gift cards cannot be accepted. Also, we do not have the ability to split payments.
We use PayPal for all of our transactions to maintain the highest level of security for all of our customers. We are set up with an "authorize and capture" type of transaction system through PayPal. This is useful because sometimes we have to order the parts from our distributor since we cannot possibly keep every part Toyota makes in stock. Sometimes, incorrect parts are selected by the customer, and we need to swap them out for the correct part. This transaction method allows us to do this when there is a small price difference between those parts.
"Authorization & Capture, or Auth/Capture, allows you to authorize the availability of funds for a transaction but delay the capture of funds until a later time. This is often useful for merchants who have a delayed order fulfillment process. Authorize & Capture also enables merchants to modify the original authorization amount due to order changes occurring after the initial order is placed, such as taxes, shipping or gratuity."
When you place an order with us, you are authorizing the funds. No transaction has taken place. This may show up on your account as a transaction, but the funds have merely been placed on hold. Once the part is shipped to you, the transaction takes place and the funds are transferred. Sometimes, because the authorization and the capture of the funds takes place within a couple of days of each other, you may notice that two transactions are present on your account. This is because the authorization has not dropped off yet. Once the parts are shipped and we have captured the funds, the authorization will drop off within the next 1-2 business days. You will be left with only one transaction on your statement. If it does not, feel free to contact us and we will resolve the issue.
|
economics
|
http://lanecapitalmarkets.com/services.php
| 2023-05-29T17:39:41 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644907.31/warc/CC-MAIN-20230529173312-20230529203312-00664.warc.gz
| 0.937385 | 1,362 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__51040011
|
en
|
Lane Capital Markets primary objective is to provide the highest quality consulting and advisory services to the underserved community of private, small, and micro-cap companies. We have effectively served various industry secotrs including but not limited to:
• Alternative Energy
and a host of other specialized industries.
Here is how we do it.
Lane Capital Markets partners with its clients to assist them in achieving their capital market objectives. Our experienced investment banking team primarily focuses on the entrepreneurial emerging growth company. When we commit services or capital to a client or transaction, we strive to deliver the expertise and resources of the entire firm. This starts by developing a fundamental understanding of both the client and its industry. Our clients specific knowledge base is then combined with strong capital markets expertise that allows us to assist in executing timely and innovative transactions for our client companies.
We foster strong relationships with corporate clients by delivering on our commitment to provide excellence in capital market advice and execution. Our underwriting business involved raising capital for private and public companies in the form of IPO’s and secondary offerings. Lane Capital Markets, the broker/dealer, was one of America’s leading equity underwriters, having managed and participated in hundreds of small issue equity financings.
Our team is comprised of highly experienced professionals offering clients access to a broad range of tailored financing solutions. The firm’s established relationships with a variety of funding sources such as private equity groups, institutional investors, family offices, commercial lenders, pension funds and finance companies affords us the opportunity to creatively structure integrated and seamless transactions that meet each client’s unique needs.
Lane Capital Markets specializes in providing a full-range of financial advisory and capital market services to emerging growth companies. The firm’s service offerings include public and private placements of debt and equity, merger and acquisition advisory and financial restructuring services.
Our overall strategy is dedicated to helping our client companies optimize shareholder value and facilitate their strategic and financial objectives. Whether a company is public or private, domestic or global, our professionals have the knowledge, experience and transaction advisory expertise to help companies succeed.
We undertake only a select number of engagements at any one time. This ensures that each transaction receives the individualized attention needed to complete the task on a timely basis. At Lane Capital Markets, we offer our clients the judgment and execution of a major investment bank with the focus, quality and senior-level attention of a boutique firm.
Lane Capital Markets provides a full-array of M&A services including transaction specific advice for both buy-side and sell-side advisory; the sale of companies or divisions, mergers, leveraged buyouts, management buyouts, target candidate searches and consolidation strategies. Whatever a client’s objective- whether it’s to locate a strategic partner, create liquidity, or enter new markets- our seasoned M&A professionals and network offer extensive experience in arranging both debt and equity facilities and in dealing with the issues and complexities associated with completing M&A assignments.
Our team of M&A professionals had a long track record of handling complicated transactions. They provide large-firm expertise and professionalism with the insight, responsiveness and senior-level attention you would expect from an independent boutique firm. We can operate at the heart of any process, assist in negotiations, provide impartial and objective advice and help our clients enhance their opportunities through strategic acquisitions. In these endeavors, we always work to ensure that the structure of an M&A transaction is compatible with the company’s existing financing and capital structure.
Lane Capital Markets has forged strong ties with the key institutions that invest in private placements, from traditional institutions to private equity and venture capital firms. This allows us to successfully secure financing for early-stage and pre-IPO companies. These relationships coupled with the firm’s expertise in the private placement market ensures that our corporate clients are partnered with the most appropriate providers of early and developmental stage capital. Our private placement activity is focused on companies in need of capital for growth, acquisitions, consolidations or recapitalizations.
By leveraging our relationships with leading private equity groups, lending institutions and other key funding sources across major financial centers, we are able to help our client’s successfully raise private capital with the most appropriate partner on the best available terms.
Lane Capital Markets, while a broker/dealer, was proud to be recognized as one of the leading small-issuer underwriters in America. This status, and that of our firm’s principals, is a direct result of the commercial honor and integrity that is the underlying cornerstone of the firm and all its market services; the firm’s technical and transactional experience in investment banking; our strong execution capabilities in equity capital markets; and our focused and in-depth understanding of our clients.
In the public offering arena, we provided our client issuers with an integrated suite of support services: from devising an optimal pricing structure; to formulating growth strategies and capital policies; to installing internal management systems; and the compiling of disclosure documents. We take great pride in being well-positioned to provide assistance to our clients as they begin life as a public company.
In addition, we are committed to enhancing the reputation of the firm and the industry within which it works through our interactions with our clients and the investing public. This is accomplished through strict adherence to our business principles as well as both the spirit and letter of all applicable securities laws and regulations.
Lane Capital Markets was an established and leading investment bank providing the following services to companies residing within the dynamic small-issuer market segment: private and public placement of equity; convertible debt, mezzanine and senior and subordinated debt financings; financial restructurings; and mergers and acquisitions. Our financial advisory activity was focused on companies in need of capital for growth, acquisitions, consolidations or recapitalizations.
Our combined professional and transactional experience enables us to add value at every stage of a relationship-for both public and private companies. Starting with meticulous analysis, our approach is to first gain a deep understanding of a client’s goals and objectives, then, with proper positioning of the company, target the most appropriate investors, and take a lead role in the negotiation, structuring, placement and closing of the transaction.
Regardless of the complexity of the transaction, our bankers and network have extensive experience across the entire range of traditional investment banking activities. We work in close partnership with a client company to ensure that each capital raise or debt restructuring, sale or divestiture is achieved at the best possible combination of price and terms for all stakeholders.
|
economics
|
https://www.mauraholdenartworks.com/buying-art-prints-in-bulk-a-guide-to-wholesale-prices
| 2024-04-19T05:34:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817289.27/warc/CC-MAIN-20240419043820-20240419073820-00259.warc.gz
| 0.951002 | 766 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__13143342
|
en
|
As an expert in the art industry, I am often asked about purchasing art prints in bulk for wholesale prices. This is a common question among art enthusiasts, collectors, and even business owners looking to decorate their spaces with beautiful artwork. The short answer is yes, you can purchase art prints in bulk for wholesale prices. However, there are a few things you need to know before making a bulk purchase. The demand for art prints has been on the rise in recent years, with more and more people turning to them as a more affordable alternative to original artwork.
These reproductions of original artwork are created using high-quality printing techniques and materials, making them a great option for those looking to own and display beautiful artwork without breaking the bank. With the rise of online marketplaces and print-on-demand services, it has become easier than ever to purchase art prints. However, buying in bulk for wholesale prices requires a bit more research and planning.
The Benefits of Buying Art Prints in BulkBuying art prints in bulk has several benefits, especially for those looking to decorate their homes or businesses. Firstly, buying in bulk allows you to save money on each print. Most sellers offer discounts for bulk purchases, making it a cost-effective option for those looking to buy multiple prints. In addition, buying in bulk also gives you the opportunity to mix and match different prints and create a cohesive collection.
This is particularly useful for businesses looking to decorate their spaces with a specific theme or aesthetic. Moreover, buying art prints in bulk also means you have a ready supply of prints for future use. Whether you want to change up your home decor or add new pieces to your business, having a stock of art prints on hand can save you time and money in the long run.
Where to Buy Art Prints in BulkThere are several options for purchasing art prints in bulk, each with its own pros and cons. The most common options include buying directly from artists, online marketplaces, and print-on-demand services.
Buying directly from artistsis a great way to support independent creators and get unique, one-of-a-kind prints. However, this option may not be the most cost-effective as artists may not offer bulk discounts.
Online marketplaces, such as Etsy and Society6, offer a wide variety of art prints from different artists.
These platforms often have bulk discounts available, making it a convenient option for those looking to purchase multiple prints at once.
Print-on-demand services, like Printful and Printify, allow you to upload your own designs or choose from a selection of pre-made designs. They handle the printing and shipping process, making it a hassle-free option for those looking to sell art prints or decorate their spaces with custom prints.
Tips for Buying Art Prints in BulkIf you're considering buying art prints in bulk for wholesale prices, here are some tips to keep in mind:
- Do your research: Before making a bulk purchase, make sure to research the seller's reputation and read reviews from previous customers. This will help you ensure that you're getting high-quality prints at a fair price.
- Ask for samples: If possible, ask the seller for samples of their prints before making a bulk purchase. This will give you an idea of the print quality and help you make an informed decision.
- Negotiate: Don't be afraid to negotiate with the seller for a better price, especially if you're buying a large quantity of prints.
Many sellers are open to negotiation, and it never hurts to ask.
- Consider shipping costs: When buying art prints in bulk, shipping costs can add up quickly. Make sure to factor in these costs when comparing prices from different sellers.
|
economics
|
https://www.tonkey.com.tw/en/project/ton-key-after-service-2023-001.html
| 2023-11-28T13:54:54 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679099514.72/warc/CC-MAIN-20231128115347-20231128145347-00089.warc.gz
| 0.905123 | 449 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__106352009
|
en
|
After Service in Egypt
PP/PE woven bags are used for multiple purpose in packaging industry. The applications of PP/PE woven bags are wide variety of packing agricultural products, such as wheat, rice, flour, sugar, salt, fertilizer and animal feed. It is also extensively used for packing all kinds of industrial products, like chemical raw material, various plastic material... etc.
The features of PP/PE woven bags are durable, wear-resistant, reusable, light weight, and easy to dispose of or recycle.
TON KEY has been in this industry for more than 40 years and has many clients around the world. We supply turnkey project for PP woven sack production line from A to Z.
The major machines are including:
--High Speed PP Flat Yarn Making Machine
--Flexographic Printing Machine
--Automatic Bag Cutting & Sewing Machine
--Hydraulic Baling Press
--Bag Sewing Machine
--Bobbin Yarn Cutter
--Other Auxiliary Equipment
The turn-key we can supply is for total solution. It includes:
--Assistance of set up a complete factory
--Layout of factory and machine
--Water & electricity piping management
--Machine installation & maintenance
--Material & spare part supply
--Product evaluation (such as size, weight, denier...etc.)
Our machinery can be customized to meet different size of PP/PE woven bag. We do like to provide more information and assistance for the interested investors to make ultimate profits.
In Africa, agriculture product is increasing in variety and numerous. Especially Egypt is an important country for producing and exporting cotton. So the demand of PP/PE woven bags is demanding continuously. Tonkey has been supplying machinery to Egypt. One of our customers is state-owned enterprises located in Baltim.
We guided them to set up a complete pp woven sack making plant successfully by our rich experiences and professional technology.
We not only supply them all machines to make PP woven sack. We also send our engineers to customer’s factory to install all machines, labor training and maintenance teaching. We are glad to receive customer’s positive feedback with our machinery in excellent performance and high productivity.
|
economics
|
https://workplacedesign.si/prospera
| 2023-12-11T21:31:28 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679518883.99/warc/CC-MAIN-20231211210408-20231212000408-00321.warc.gz
| 0.915887 | 333 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__209492853
|
en
|
Specialists in commercial and residential real estate
Prospera is a specialized company for closing demanding real estate transactions. It was established in 2007 in Ljubljana.
Prospera has daily inquiries from buyers and tenants for high-end properties in Slovenia. In cooperation with Fine Ljubljana Apartments, it reaches more international buyers and tenants than most other real estate agencies in Slovenia.
The company uses a direct approach to selling and renting commercial real estate. If you have such property on the market or are planning a similar project, Prospera will prepare an action plan that includes contacting potential buyers and tenants from their own database of business and diplomatic contacts.
If you own a residential property and want to increase profitability, Prospera can provide you with tenants who are willing to pay the highest market price. In doing so, Prospera can also take over the support of the tenant, so you don’t have any worries or obligations with your property.
Prospera can also help in other real estate transactions, though it is known to add the highest value in transactions that are demanding or risky from a legal, financial, or business point of view.
If you want to sell or rent your property, or if you are a buyer or tenant and want to minimize the legal and financial risk of your real estate transaction, contact Prospera for an initial consultation.
Prospera nepremičnine d.o.o.
Tržaška cesta 134, Ljubljana
Elizabeta Gruden, director
+386 (0)41 799 666
|
economics
|
https://soundleisure.com/sound-leisure-yorkshire-family-business-day/
| 2024-04-21T18:24:56 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817790.98/warc/CC-MAIN-20240421163736-20240421193736-00408.warc.gz
| 0.963748 | 635 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__19782868
|
en
|
Family firms across the region are joining the campaign to celebrate all that is great about the family business sector by supporting Yorkshire Family Business Day on February 10, 2020. To mark the day, Sound Leisure is welcoming family business owners to a special tour of its innovative 80,000 sq ft manufacturing facility to learn about the production of its products, most famously its handcrafted jukeboxes. Sound Leisure remains the oldest single ownership company in the sector in the world and has sold more than 100,000 jukeboxes across almost 30 countries.
Family businesses the length and breadth of the county can get involved by sharing their pride and demonstrating their family ownership via a social media campaign using the hashtag #YorkshireFamilyBizDay and posting banners/pictures on social media stating their pride in being one of the family firms in Yorkshire today.
Paul Andrews, Founder of Family Business United, (FBU) who launched the campaign to give family firms the support and recognition they deserve, said, “There are over 5 million family firms across the UK and not only do they employ significant numbers of people, generate significant tax revenues and support local communities, they are the backbone of the UK economy, and with over 370,000 in the region they make a massive contribution to the Yorkshire economy too. All too often the endeavours of the family business sector are dismissed in favour of their non-family counterparts and the aim of Yorkshire Family Business Day is to champion the sector, put family firms on the map and help to dispel the myths surrounding the family business sector.”
Yorkshire is blessed with such a diverse family business sector ranging from some of the largest employers in the region such as well known brands Bettys, William Jackson, Bagnalls, Shepherd Group, Arco and Harrison Spinks, all of which play their part in putting Yorkshire on the map.
Sound Leisure is a proud family firm which has been trading for over 40 years.
As Sound Leisure managing director, Chris Black says, “We’re a second-generation family firm and we are incredibly proud to be continuing the success which my father Alan set up in 1978. We are delighted to join a day that celebrates organisations like ours that have family values at the heart and where doing business the right way counts.”
Paul Andrews continues, “We have created a day for all Yorkshire family firms to be proud of and by providing them with the resources needed to get involved are looking forward to a day of celebration that will undoubtedly put family firms on the map. 2019 saw a phenomenal amount of pride being demonstrated by family firms across the county with a great volume of social media traffic and the plan is to make 2020 an even bigger celebration.”
As Paul concludes, “Family firms are the backbone of the Yorkshire economy and not only do they provide employment to thousands of people but they also generate significant revenues These firms are continually investing in the future of their businesses and supporting communities throughout the county. Family businesses in Yorkshire deserve all the support and recognition they get and we are proud to be championing this initiative to put them on the map.”
|
economics
|
https://www.meredithsbread.com/
| 2020-07-09T04:28:24 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655898347.42/warc/CC-MAIN-20200709034306-20200709064306-00572.warc.gz
| 0.958214 | 334 |
CC-MAIN-2020-29
|
webtext-fineweb__CC-MAIN-2020-29__0__190101986
|
en
|
Despite our best efforts to bake and ship your orders immediately, COVID19 has made delivery dates inconsistent. Due to the dramatic increase in home delivery in the USA, mail carriers are overwhelmed and unable to guarantee delivery dates unless you select Priority Mail EXPRESS. To ensure our customers are able to continue to receive our baked goods, for the time being we are committing to 1/2 of the cost of Express shipping if selected to lessen the burden.
The prices listed for Express shipping reflect 50% of the total cost.
We appreciate your business and stay well,
The Allen family
Handcrafting baked goods since 1987
Since 1987, Meredith's Bread has taken pride in producing all-natural and preservative-free baked goods by hand. Family owned and operated, what began as a small bakery made up of only 10 products has grown into a company providing over 180 different items. This includes a full line of gluten-free products made in our dedicated facility with it's own staff, equipment and certified gluten-free ingredients.
We are passionate about maintaining the quality and integrity of our products, as well as supporting the sustainability of New York State agriculture through local ingredient sourcing. We attend over 44 farmer's markets a week during our peak seasons as our main point of sale and offer online ordering within the United States.
WHAT PEOPLE SAY
— Kimberly K.
"Gluten-free baking doesn't get any better than this! This is the best in taste and texture of any GF bakery I have ever encountered. It is worth the nearly 2 hours it takes me to get there. If you are GF you owe it to yourself to taste their magic."
|
economics
|
http://ar2015.swissgrid.ch/en/timeline/
| 2019-10-23T16:00:40 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570987834649.58/warc/CC-MAIN-20191023150047-20191023173547-00005.warc.gz
| 0.940794 | 2,638 |
CC-MAIN-2019-43
|
webtext-fineweb__CC-MAIN-2019-43__0__213206203
|
en
|
5 January 2015
With entry in the commercial register on 5 January 2015, Swissgrid takes over additional transmission grid elements, including the transmission grid company of the City of Zurich. These grid acquisitions mean that Swissgrid now has 30 shareholders.
19 January 2015
The Swiss Federal Office of Energy approves the construction plans for the 380kV Chamoson-Chippis line. The line had already been approved by the Federal Office in 2010, but this was followed by the submission of appeals. The construction plans have now been endorsed following the required optimisation of noise emissions. The new 380kV Chamoson-Chippis line is required to transport the energy produced by the large power plants in Valais.
9 February 2015
Swissgrid opens a second control centre in Prilly. Federal Councillor Doris Leuthard attends the ceremonial inauguration and also participates in the panel question and answer session. Swissgrid’s new control centre increases Switzerland’s security of supply and underscores the importance of Western Switzerland for the Swiss electricity system.
16 February 2015
The General Assembly approves amendments to the Articles of Association for the purpose of creating two share categories – it is approved by the Federal Council in March. Ronald Trächsel is elected to the Board of Directors to replace the departing Christophe Bossel.
24 February 2015
Swissgrid holds an information event on the Niederwil-Obfelden grid construction project in Bremgarten together with the Swiss Federal Office of Energy, the cantons of Aargau and Zurich, and Axpo. The event is met with great interest and receives very positive feedback from the majority of the more than 100 participants.
5 March 2015
The Swissgrid Board of Directors approves the additional measures proposed by the Executive Board at its last meeting to increase efficiency and reduce costs. In doing so, Swissgrid is pursuing the savings realised since 2009, which amount to several hundred million francs, and also intends to save tens of millions of francs in operating costs each year.
20 March 2015
The partial solar eclipse has a significant impact on solar radiation and electricity production from photovoltaic plants in large parts of Europe. Swissgrid and the European Network of Transmission System Operators for Electricity (ENTSO-E) are well-prepared – they have been discussing ways to deal with the natural phenomenon since the summer of 2014. The measures taken ensure that the European electricity grid is able to deal with the solar eclipse without any problems.
27 March 2015
Swissgrid publishes the 2016 tariffs for the transmission grid. The average financial burden for electricity consumers remains unchanged. This means that a four-person household will continue to pay an average of around 62 francs, or seven per cent of its annual electricity costs, for Swissgrid’s services.
7 April 2015
Swissgrid procures primary control power in weekly, market-based tenders, which play an important stabilising role in the supply of electricity. The existing cooperation with the transmission grid operators from Austria, Germany and the Netherlands are merged into Europe's largest single market. Swissgrid hopes that this will lead to additional cost savings in control reserve procurement in the medium term.
29 April 2015
Switzerland achieves the best result in continental Europe in an evaluation of the system control quality by ENTSO-E. The control quality quantifies how well and how quickly a transmission system operator balances deviations of production and consumption from the planned course in their control block.
Efficient procurement and the appropriate use of control power by Swissgrid made a significant contribution to this pleasing result – together with other factors.
30 April 2015
Swissgrid presents the “Strategic Grid 2025” report. It shows the grid construction projects that Swissgrid believes will be necessary in the next ten years to ensure security of supply and prepare the grid for the energy future. Interest is great – over 400 participants attended presentations and panel discussions on sustainable grid development at subsequent events at ETH Zurich and EPFL.
30 April 2015
Swissgrid successfully commissions the 380kV grid connection for the new Tierfehd substation of the Linth-Limmern pumped storage power plant. This means that the section is now part of the Swissgrid transmission grid. Thanks to the good cooperation between the administrative bodies, authorities, Swissgrid and Axpo Power AG site management, the grid connection was completed on schedule.
7 May 2015
Following the great interest in the Training & Simulation Centre pilot project, Swissgrid decides to implement the centre permanently. In future, Swissgrid will be able to offer courses on the topic of managing electricity grids in the new centre. The simulation scenarios provide training for cooperation in normal operations and in case of grid faults as well as grid restoration.
26 May 2015
Credit Suisse and Swissgrid celebrate the ground-breaking ceremony for Swissgrid's new headquarters together with representatives from the canton of Aargau, the City of Aarau and numerous guests. Many Swissgrid employees use the opportunity to familiarise themselves with the project and the new location. The office building in Aarau will be constructed by the Credit Suisse Investment Foundation. The move is planned for the end of 2017 and will merge the current locations in Frick and Laufenburg – an important step in Swissgrid’s corporate development.
3 June 2015
The Swiss Federal Office of Energy, in partnership with the canton of Ticino, Swissgrid, Azienda Elettrica Ticinese (AET) and the Swiss Federal Railways (FFS), presented the implementation plan procedures for the transmission lines 106 Airolo – Lavorgo and 109 All’Acqua – Maggiatal – Magadino at two public information events. At the information events, Swissgrid and the project partners also explain the principles of the “Study on the Reorganisation of the High-Voltage Grids” on which the two implementation plan procedures are based.
22 June 2015
All of the proposals made by the Board of Directors are approved at the ordinary General Assembly of the Swiss electricity grid operator Swissgrid. Dividends totalling 13 million francs will be distributed for the 2014 financial year. The current members of the Board of Directors were reappointed for a further term.
2 July 2015
During a test between February and April 2015, Swissgrid was able to significantly increase capacities for importing electricity at the northern border. This will result in lower prices for cross-border capacities and greater alignment with the wholesale electricity prices in neighbouring countries, as well as increase Switzerland's security of supply. An additional expansion of the transport capacity between Switzerland and its northern borders is planned as part of the implementation of the “Strategic Grid 2025” initiative.
6 July 2015
The ESTI grants a large portion of the permits for the construction of the line between the Nant de Drance pumped storage power plant and Martigny. This new 380kV line is essential for the transportation of the energy generated by the Nant de Drance pumped storage power plant. The power plant is expected to start operation in 2018. Construction activities for the new 380kV line have commenced.
19 August 2015
The “Star of Laufenburg” is being upgraded: instead of a connection via a 220kV outdoor switching substation, the transmission grids from France, Germany and Switzerland will be connected in a modern GiS (gas-insulated switching substation). This requires only 5% of the footprint of the old system and will commence operation in stages through to 2017. The old 220kV switching substation will then be dismantled.
3 September 2015
Pierre-Alain Graf departs from Swissgrid. After overseeing the successful completion of the transfer of the extra-high-voltage grids as well as the strategic and organisational realignment of the company, he decides to tackle new professional challenges. Pierre-Alain Graf joined Swissgrid in 2008 and has been the Chief Executive Officer since 2009. Yves Zumwald takes over as interim CEO of the company with immediate effect.
10 September 2015
Swissgrid wins the Corporate Communications Award for the “Strategic Grid 2025” campaign. The campaign provides a good example of how even technically complex and politically charged issues can be communicated effectively to a broad target group. Swissgrid’s communication project was praised as a good model at both a national as well as international level.
24 September 2015
The planning approval dossier on the Bickigen-Chippis grid construction project is submitted to the Federal Inspectorate for Heavy Current Installations (ESTI). The next objective is to inform the citizens in the cantons of Berne and Valais who are affected by the line construction. Swissgrid holds several local information events for this purpose.
29 September 2015
Swissgrid holds various information events in Visp to provide information on the upcoming grid construction projects in Upper Valais. Swissgrid also has a booth at the ‘Foire du Valais’ in October, at which the focus is on grid projects in Lower Valais. An important message is the dismantling of lines. A new route and the bundling of lines means that the line length in Valais will be reduced by 90 kilometres in future. The grid construction projects are essential because electricity will have to be transported after the Nant de Drance pumped storage power plant has been commissioned.
2 October 2015
The The Swiss Federal Office of Energy approves the consolidation of the high-voltage lines between Attinghausen and Altdorf. It will be possible to bundle the lines, which are owned by Swissgrid and Swiss Federal Railways and are currently separate, along a joint line route. This will provide significant relief for the residential and industrial areas in the Uri valley – enabling a new area of land spanning 100,000 m2 to be developed for business.
21 October 2015
The Swissgrid Board of Directors resolves to take over additional transmission grid systems as of 4 January 2016 and propose the necessary capital increase to shareholders. The Board of Directors also resolves to implement the planned valuation adjustment of the grid systems acquired as of 5 January 2015. The respective amendments to the Articles of Association will be approved by the Federal Council in December 2015.
30 October 2015
Swissgrid successfully commissions the new schedule management system for the Swiss control area. The new system replaces the ET3000, which has been in operation for the past ten years. The Day Ahead, Intraday and Post Scheduling processes are all performed successfully. The system’s operation is stable following its introduction and its performance is good. The new system also enables the rapid, secure and cost-effective adaptation of functions to the constantly changing Swiss and European environment.
3 November 2015
Together with the School of Engineering and Architecture of Fribourg and other industry partners, Swissgrid begins offering Switzerland's first certified practical vocational training course for system operators from November 2015 onwards. The motivation for launching the course is that these operators must always reach the right decisions in a complex environment, often under time pressure.
10 November 2015
Swissgrid acquires share capital in the Holding des Gestionnaires de Réseau de Transport d’Electricité (HGRT). HGRT is the holding company of European grid operators and ensures its influence on the leading Central and Western Europe spot exchange for electricity, EPEX SPOT, through a 49% stake. As a result, Swissgrid joins the supervisory boards of HGRT and EPEX SPOT.
2 December 2015
Swissgrid estimates that the grid situation and energy supply will be strained for the winter of 2015/2016. Energy reserves are tight due to a series of interconnected special circumstances. As a result of the drop-out of the nuclear power plants Beznau 1 and 2, a large proportion of the base load is missing from the 220kV grid. This will have to be replaced predominantly from Swiss reservoirs, as electricity imports can only be used to offset this situation to a limited extent. The situation is aggravated by the fact that reservoirs are carrying less water than the long-term average.
10 December 2015
At Swissgrid AG’s extraordinary General Assembly on 10 December 2015, shareholders approve the proposals of the Board of Directors in connection with an increase in the share capital in order to acquire additional facilities as of 4 January 2016. The required changes to the Articles of Association are approved by the Federal Council on 18 December.
16 December 2015
Swissgrid publishes a consultation document with proposals for a new market design. These were developed in close cooperation with numerous market participants and deal with the pending changes to the power market, especially with regard to the energy reform. The market must continue to develop and be structured more efficiently in view of these changes. Swissgrid’s proposals will be discussed with the industry in a consultation process.
|
economics
|
http://www.outrageavenue.com/faq-debt-consolidation
| 2023-12-08T12:54:51 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100745.32/warc/CC-MAIN-20231208112926-20231208142926-00704.warc.gz
| 0.961991 | 1,242 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__97282980
|
en
|
We Answer Your Questions
The more informed you are as a borrower, the better the chance that you will succeed with your efforts. So many borrowers get locked into the trap of spending because they lack a solid understanding of the fundamentals of money and effective repayment options. For this reason, we have provided a list of some of the most important and frequently asked questions our visitors pose when they consolidate. Before you select a credit debt program, make sure you review these questions and answers carefully so you are well-informed going into the rebuilding process.
How do collections agencies work?
When a creditor gives up on collecting a delinquent amount, the creditor sells the debt to a collections agency for a reduced price. For example, a creditor might sell a $5,000 debt to a collections agency for $2,000 then writes off the difference as a loss on their income taxes. At this point, the collections agency owns the debt and is responsible for getting the borrower to reimburse them on time.
One of the reasons why our method works is because collections agencies are usually willing to accept a lower payment amount than the original debt. This is sometimes referred to as a debt relief settlement and is typically negotiated by your company. Collections agencies will accept reduced amounts because they almost always still make a profit. For instance, continuing with the example above, if the collections agency accepted a payoff amount of $3,000 on the $5,000 debt, they would still make a profit of $1,000.
Why should I choose this method over bankruptcy?
Bankruptcy will have devastating effects on your credit score. Most bankruptcies will linger on your report and drag down your rating for seven to ten years. This means you will be responsible for outrageous interest rates for up to ten years if you can qualify for borrowing at all. A damaged rating can also lead to high insurance rates and lost job opportunities.
Debt consolidation, on the other hand, allow you to become free of much of what you owe without ravaging your rating in the process. These programs help you tackle your expenses responsibly and affordably without discharging them in a bankruptcy proceeding. Moreover, this type of program can actually help you improve your credit rating. Consolidating debt will help you pay on time consistently, and you will see the balances on your accounts dwindle as you make progress. On-time reimbursements and lower balances will both help elevate your rating after you tackle the expenses, whereas bankruptcy damages your score for years to come.
What are my credit card options?
Most of our programs specialize in credit cards. The providers tend to be more flexible on rates than others, so it is easier for consolidation services to arrange a workable debt solution with them. If you decide to consolidate professionally, your company will work to try to improve your standing. Ideally, your part will become more reasonable, allowing you to become debt free more quickly.
Another option is to use a loan or a balance transfer to take care of your cards. With a balance transfer, you consolidate debt by moving the balances of one or more cards onto one with better interest rates. The improved interest rates then enable you to pay off the balance more quickly. Secured or unsecured loans can also offer solutions for cards by allowing you to pay off your balances with a lower-interest loan from your bank.
What is unsecured vs. secured debt?
These two types differ in whether they are associated with physical property. Unsecured debt is not tied to a piece of property. They include credit cards, medical bills, and some types of payday loans. Secured debts, on the other hand, are attached to a piece of physical property, such as a house or a vehicle. Secured debts include mortgage loans, car loans, and personal loans that require collateral. Typically, the latter has more reasonable interest rates than the former because the lender faces less risk.
Most services like ours will only accept unsecured debts. They are much more difficult to consolidate and often don’t need to be consolidated in the first place because their interest rates are already low. Unsecured lenders tend to be more compliant with organizations such as ours because, unlike secured lenders, they don’t have the option of seizing property if the borrower fails to pay. As a result, these creditors are more willing to negotiate and cooperate with consumer debt management companies. Check out other tips and tricks on Maxbet.
How can I deal with creditor harassment?
We can refer you to a service that will help you put an end to harassment. The best way to stop harassment is to pay your bills on time, and this type of plan will help you do just that. This service will work on making your monthly payments more affordable so you can pay on time and pay down your balances rapidly. Once your creditors see that you’re holding up your end of the bargain, they will likely stop harassing you for payments.
Another advantage of getting your finances back on track is that you will not have to deal with your creditors directly after the consolidation takes place. You will send your payments to your creditors through the program, which then distributes the money to your individual lenders. As long as you keep up with your payments, your creditors should have no reason to harass you anymore.
What is nonprofit debt help? Are you a nonprofit?
Non profit consolidation usually refers to some type of counseling agency that assists consumers with budgeting, paying down bills, and dealing with creditors. Strictly speaking, credit counseling agencies do not provide traditional consolidation services. They can inform you of your options and offer counseling, but they do not actually consolidate your accounts for you. In other words, there really is no such thing as a non profit debt consolidation company.
Debt Consolidation is not a non-profit organization. All of our partner companies are for-profit services. Although for-profit services tend to charge higher prices than non-profit counterparts, they also tend to get better results for their clients. For-profit companies are more aggressive in dealing with your creditors and securing the most affordable payments possible for you.
|
economics
|
https://www.visual-ivr.com/blog/jacada-visual-ivr-massive-savings/
| 2024-02-22T14:01:38 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473819.62/warc/CC-MAIN-20240222125841-20240222155841-00289.warc.gz
| 0.951256 | 741 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__21328606
|
en
|
BY DYLON MILLS
Here’s an Example of a Fortune 50 Company saving Over $4 MILLION annually… What are you waiting for?
Company background: This company is a Fortune 50 company operating out of the West Coast of the United States. The company has products for both the B2B and B2C markets and is a leading provider for businesses and consumers operating in a mobile and cloud world.
The main challenge they faced: This company set out to resolve a number of challenges across various business units. For their retail stores, the goal was to empower the customer with additional digital channels for an improved self-service experience. Other business units set out to improve self-service for initial product setup, improve help desk authentication and initial triage, and improve authentication and call routing.
Solution: This company searched for a digital engagement solution that could provide traditional voice callers with a digital alternative. After an intensive market search and vendor comparison, they chose Jacada Visual IVR.
They implemented Visual IVR which provided voice callers the option to pivot into a digital self-service session. Customers could easily resolve their inquiries without speaking to an agent or a store associate.
The solution was first deployed to the retail store which allowed callers to quickly and easily resolve questions on their digital device, including inquiries such as “Where is my order”, scheduling appointments, location searches and inventory. Following the successful rollout to the retail stores, other business units subsequently implemented Visual IVR to improve self-service for initial product setup, improve help desk authentication and initial triage, and improve authentication and call routing.
Speaking to the maturity and robustness of Jacada Visual IVR, the initial deployment was completed in 2 months.
Benefit they received: Of callers given the option to engage digitally through Visual IVR, over 45% of callers chose this new innovative service, and gave it a resounding 99% customer satisfaction rating. Customer effort was reduced by 70% (from 4.20 minutes to 1.20 minutes) and this company realized savings of over $4 million USD annually through the increased adoption of self-service tools.
- Self-service increased by 11% (net improvement)
- 70% reduction in customer effort
- Happy customers able to help themselves
The argument for Visual IVR over “other” digital initiatives:
First off, the “other” digital self-service initiatives I am referring to include any type of development on a website, mobile app, forums and others of the like. The reason the majority of these digital initiatives fall short really comes down to the point at which you engage with the customer. Sure… your website and mobile app are out there and available but does your customer know that?
Customers generally attempt self-service first and then revert to calling you when they can’t find the information they are looking for. Therein lies the problem… with all the digital information you are putting out to your customers, they often find it difficult or sometimes impossible navigating to the specific information they are seeking at the time they are looking for it (when they need it the most).
Visual IVR’s main benefit is in the ability to route customers to the information/solution/tools they are seeking – when they are looking for it. When a customer can get to what they are seeking – when they are seeking it – they are happy.
"A satisfied customer is one who will continue to buy from you, seldom shop around, refer other customers and in general be a superstar advocate for your business."
~ Gregory Ciotti
|
economics
|
https://www.aymahome.com/refund-policy
| 2020-07-02T18:16:39 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655879738.16/warc/CC-MAIN-20200702174127-20200702204127-00005.warc.gz
| 0.947553 | 622 |
CC-MAIN-2020-29
|
webtext-fineweb__CC-MAIN-2020-29__0__140322953
|
en
|
Cancelling Before Delivery:
You can cancel an order by contacting our After Sales team at [email protected]. We respond within 48 hours after receiving your email.
Should you wish to cancel an order please try and give us as much notice as possible because our products begin their journey to you three days before the delivery date.
Your Rights to Cancel where You Have Changed Your Mind:
If you are a consumer (i.e. not buying the product(s) in the course of your business, trade or profession), then you have the right to cancel Your order within 14 days after delivery of all the product(s) you have ordered without giving any reason.
The cancellation period will expire after 14 days from the delivery date and after this 14 day period has expired we will not accept returns of any products purchased unless faulty or not as described.
If you are purchasing a flatpack item, they must be unopened and unassembled. We will not accept flatpack items that are assembled unless you have received them damaged, in which case please place them in the box and secure the box for our Courier to collect.
If we deem that the packaging is not appropriate for transit, we may:
(a) charge you a reasonable sum to repackage the products to a sufficient standard on collection of the products; or (b) accept the products and make a deduction where the inappropriate packaging or unreasonable handling has diminished the value of the products. Nothing in this paragraph affects Your statutory rights.
Except where our products are faulty or not as described, you will have to bear the direct cost of returning any products to us.
If You would like us to collect the products from you, then you agree that we may charge you return fees based on the size of each product to cover our direct costs.
To meet the cancellation period deadline, it is sufficient for you to send your notice of cancellation before the cancellation period has expired. If you send us a notice of cancellation by post and or return the product to us, we advise that you keep proof of postage.
If you decide to cancel your order, we will reimburse you for all payments which we have received from you in relation to your order, including the cost of delivery and any supplementary costs arising if you chose a type of delivery other than the least expensive option offered by us, less any return fees.
We may make a deduction from the reimbursement for loss in value of the products supplied up to the total price of the product, if the loss is the result of damage caused whilst the product was under your care.
We will make the reimbursement without undue delay, and no later than 14 days after we receive back from you the products supplied.
We will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise. You will not incur any fees as a result of the reimbursement. We may withhold reimbursement until we have received the products back or you have supplied evidence of having sent the products back, whichever is the earliest.
|
economics
|
http://www.growriverside.com/robert-egger-founder-and-president-of-l-a-kitchen/
| 2023-09-21T18:22:12 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506029.42/warc/CC-MAIN-20230921174008-20230921204008-00879.warc.gz
| 0.957387 | 493 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__324979453
|
en
|
Robert Egger, Founder and President of L.A. Kitchen
Robert Egger is the Founder and President of L.A. Kitchen, which recovers fresh fruits and vegetables to fuel a culinary arts job training program for men and women coming out of foster care and older men and women returning from incarceration. L.A. Kitchen is currently holding a pilot program at St. Vincent Meals on Wheels, and will move into its own kitchen facility in 2015.
Robert pioneered this model during his 24 year tenure as the President of the DC Central Kitchen, the country’s first “community kitchen”, where food donated by hospitality businesses and farms is used to fuel a nationally recognized culinary arts job training program. Since opening in 1989, the Kitchen (which is a $10 million a year, self-sustaining, social enterprise) has produced over 26 million meals and helped 1,000 men and women gain full time employment. The Kitchen operates its own revenue generating business, Fresh Start Catering, as well as the Campus Kitchens Project, which coordinates similar recycling/meal programs in 33 colleges or high school based kitchens.
In addition, Robert is the Founder and President of CForward, an advocacy organization that rallies employees of nonprofits to educate candidates about the economic role that nonprofits play in every community, and to support candidates who have detailed plans to strengthen the economy that includes nonprofits.
In Washington D.C., Robert was the founding Chair of both the Mayor’s Commission on Nutrition and Street Sense, Washington’s “homeless” newspaper. He was also the Co-Convener of the first Nonprofit Congress, held in Washington DC in 2006. Currently, Robert serves on the Board of the national addiction recovery program, Back On My Feet, the Philanthropic Collaborative, and Chef Jose Andres’ World Central Kitchen.
Robert’s book on the non-profit sector, Begging for Change: The Dollars and Sense of Making Nonprofits Responsive, Efficient and Rewarding For All, was released in 2004 by HarperCollins. It received the 2005 McAdam Book Award for “Best Nonprofit Management Book” by the Alliance for Nonprofit Management.
Robert speaks throughout the country and internationally on the subjects of hunger, sustainability, nonprofit political engagement and social enterprise. He writes blogs and editorials to share his ideas about the nonprofit sector and the future of America.
|
economics
|
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.