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https://ubwp.buffalo.edu/selfandmotivationlab/projects-at-the-research-lab/
| 2023-09-26T12:11:47 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510208.72/warc/CC-MAIN-20230926111439-20230926141439-00632.warc.gz
| 0.951659 | 895 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__141770563
|
en
|
Humans have the unique capacity to think about and reflect upon themselves as the object of their own attention. One consequence of this ability is that individuals tend to evaluate themselves against standards of worth and value. Contingencies of Self-Worth (CSW) (Crocker & Wolfe, 2001) reflect the degree to which individuals base their self-esteem in specific domains. Whereas some people may base their self-worth on being academically competent, financially successful, or living up to their moral or ethical standards, others may base their self-worth more on having others’ approval, being in a romantic relationship, or having love and support from their family.
Although CSWs are highly motivating and emotionally rewarding, they often incur costs to the self and to others (Crocker & Park, 2004). For example, people with high self-esteem become more preoccupied and self-absorbed – and less empathetic, caring, and understanding toward another person’s personal problem – when they highly base their self-worth on academic competence and receive negative feedback in this domain (Park & Crocker, 2005). Indeed, across a variety of domains and outcomes, research consistently shows that reactions to events depend on how much one’s self-worth is tied to the threatened domain (Park, Crocker, & Kiefer, 2007; Park & Maner, 2009; Park, Sanchez, & Brynildsen, 2011). For example, contrary to the belief that everyone responds the same way to rejection, only those who strongly stake their self-worth on others’ approval show drops in their state self-esteem and greater feelings of rejection after receiving negative feedback about their likeability, compared to those whose self-worth is less contingent on others’ approval (Park & Crocker, 2008). Overall, when people base their self-worth in domains of contingency, they are more vulnerable to both perceiving threats and responding in ways to cope with the threat (Park, 2010; Park, Naidu, Lemay, Canning, Ward, Panlilio, & Vessels, in press).
Financial Contingency of Self-Worth
Currently, our lab is investigating how basing self-worth on financial success affects motivation, well-being, and interpersonal outcomes. Across several studies, we find that individuals who base their self-worth on being financially successful experience more anxiety, stress, and financial hassles, even after accounting for effects of financial status, materialism, and financial aspirations. These individuals experience lower autonomy when reminded of financial insecurities; disengage more from their financial problems; and perceive their financial problems in a more negative light than those who base their self-worth less in this domain (Park, Ward, & Naragon-Gainey, 2017).
Recent research in our lab has examined reasons why people with Financial CSW tend to experience more social disconnection and loneliness (Ward, Park, Naragon-Gainey, Whillans, & Jung, 2020). In addition, we have examined the role that Financial CSW plays in romantic relationships, finding that those who base their self-esteem on money experience more financial conflicts and disagreements with their romantic partner, which in turn, predicts lower relationship satisfaction (Ward, Park, Walsh, Paravati, & Whillans, 2021). These findings emerge even after accounting for effects of income and economic pressures, suggesting that there is something unique about basing self-worth on money that is detrimental for relationships.
Our lab is also investigating how and why individuals come to develop financially contingent self-worth in the first place, using theories and insights from social psychology, developmental psychology, and sociology. This research suggests that individuals who grow up in regions with greater income inequality are more likely to make upward financial comparisons with others, which predicts having greater expectations of the benefits of financial success, which predicts basing self-worth more in this domain, which ultimately predicts lower well-being via feeling dissatisfied with one’s current financial status (Park, Jung, Naragon-Gainey, Ward, Piff, & Whillans, 2020). Recent research examines how basing self-worth on money relates to perceptions of and usage of time and to experiences of goal conflict and consumer behavior (Park, Ward, Naragon-Gainey, Fujita, & Koefler, 2022).
|
economics
|
https://wserie.com/shows/how-to-crack-the-class-ceiling
| 2024-03-05T15:20:49 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707948235171.95/warc/CC-MAIN-20240305124045-20240305154045-00600.warc.gz
| 0.907707 | 128 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__200909105
|
en
|
Britain’s got a class problem: working class kids can't get into Britain’s top jobs. Amol Rajan meets those hoping to hack the system. Do they change themselves, or change the job?
December 5, 2022
How can working class students break through the barriers to landing Britain’s elite jobs? Amol Rajan investigates the tips and tricks that could help them find their dream roles
December 12, 2022
Amol Rajan looks at solutions to Britain’s class inequality problem. How can employers and policy makers ensure a level playing field for working-class applicants to elite jobs?
|
economics
|
https://www.gts-thielmann.de/en/downloads/zertifikate/
| 2023-11-28T19:21:00 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679099942.90/warc/CC-MAIN-20231128183116-20231128213116-00853.warc.gz
| 0.877654 | 439 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__106558955
|
en
|
DQS – ISO 9001 : 2015
Our company is ISO 9001 certified.
This qualifies our product and service quality in all process- and project-relevant processes.
For us it is indispensable always be up-to-date in the development and technology and to realize and live a continuous improvement process.
AEO – Authorized Economic Operator
Since 2011 we have been certified by customs as an AEO Authorized Economic Operator.
This authorization is an essential element of the EU security concept. It allows us a secure and reliable export declaration to the EU countries, as well as the third countries listed in the customs agreements: Switzerland, Norway, USA, Japan and China. An agreement with Canada is in the negotiations and expected to be signed in April 2017.
Thielmann Energietechnik GmbH has obtained the AEOC status.
You can find detailed information on the AEO certification at www.zoll.de
DVGW-Certificates for Cellular Gas Filters for placing on the market and provision in the EU economic area
The type examination carried out by the ‘DVGW CERT GmbH Certification Body’ for our cellular gas filters based on the test basis 2014/68/EU A III B and based on DIN 3386: 2012-10.
acc. to Pressure Equipment Directive EC 2014/68/EU
for pressure equipment p> 0.5 bar
The type examination in accordance with the EC Pressure Equipment Directive serves to place our cellular gas filters in the European Economic Area on the market for the use of pressure equipment with a max. permissible pressure p> 0.5 bar
- DVGW Type Examination Certificate Cellular Gas Filters 2017-2022
- Thielmann Certificate of Conformity Cellular Gas Filters 2021
acc. to EU Gas Appliance Regulation EU 2016/426 (GAR)
on appliances for the combustion of gaseous fuels:
The type examination according to the EU Gas Appliance Ordinance serves for placing our cellular gas filters in the European Economic Area on the market for the use of devices for the combustion of gaseous fuels.
|
economics
|
https://axcendcorp.com/support
| 2023-03-28T22:12:26 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296948871.42/warc/CC-MAIN-20230328201715-20230328231715-00476.warc.gz
| 0.92026 | 514 |
CC-MAIN-2023-14
|
webtext-fineweb__CC-MAIN-2023-14__0__229708607
|
en
|
The Axcend Focus LC® is built to be a robust and reliable HPLC device, requiring minimal routine maintenance – which means significantly reduced support cost and minimal downtime. Our services are built around keeping your instrument analyzing the greatest possible time, while providing the least total cost of ownership.
As any lab manager knows, the routine running costs of an instrument are usually a significant portion of the cost of ownership. But with the Axcend Focus LC, not only are solvent costs magnitudes lower, but instrument operating cost is also significantly lower.
By way of design, many traditional HPLC support services can be provided remotely, such as installation and method transfer and implementation support. We offer a full suite of services including instrument qualification, preventive maintenance, and breakdown protection.
For Support assistance, please email [email protected] or use the contact form below.
If you need immediate help, you may contact Matthew Morse at 781-752-5450 or email him at [email protected].
Lease an Axcend Focus LC®
Thank you for your interest in the Axcend Focus LC® and the option of leasing this compact, capillary HPLC system from Axcend®. For example, in the United States, 100% of the equipment cost is deductible in the first year, up to $1,000,000 (IRS Section 179).
Additionally, Lease Financing does not appear on personal credit reports; however, we do report to PayNet (which increases your company’s lending capability). And last of all, Lease Financing preserves capital and eliminates the need to tap into your company’s line of credit, which can be used for non-collateral goods.
We offer qualified organizations the option to lease an Axcend Focus LC for terms ranging from 24 to 60 months. We also include a buyout option at the end of every Axcend Lease which gives you the ability to purchase your Axcend Focus LC for an additional, one-time payment of just $1. Presuming you’d like more details about how you can lease an Axcend Focus LC, please fill out the contact form below and we’ll contact you right away.
Want more Information?
Thank you for visiting our website! If you would like to learn more about the Axcend Focus LC® or schedule a demo of our compact HPLC device (Virtual or In-Person) then please submit your details using the contact form.
"*" indicates required fields
|
economics
|
https://ninebrian.com/harrods-discount-code/?wpcd_coupon=5778
| 2024-04-22T19:35:45 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818337.62/warc/CC-MAIN-20240422175900-20240422205900-00774.warc.gz
| 0.910024 | 408 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__81861341
|
en
|
Enjoy big savings by using Harrods discount code October 2023. With Harrods coupons, you will score discounts on beauty, jewellery, watches, clothings,…
Harrods is one of the world’s most famous department stores that sells luxury and high-quality goods. Charles Henry Harrods founded it in London, England in 1849. Harrods offers a huge range of products from women’s clothing, men’s clothing, jewelry, watches, kids, beauty to souvenirs, home and furniture, food and wine. At Harrods, you can find many famous brands such as Chanel, Gucci, Valentino, Burberry, Givenchy, Armani, Lancome, Kenzo Baby, Max Mara, Vera Wang, Dior.
How to use Harrods discount codes 2023
Here is how you can redeem a Harrods discount code.
• First, search for your desired Harrods promo code on this page. Then choose your Harrods coupon and click on the button. Copy the code, if provided, to your clipboard. However, if no code is provided, your saving will be applied automatically.
• Next, follow the link to Harrods’ website and shop as usual.
• When you are ready to pay, click on the cart icon to take you to the checkout screen. Then enter the Harrods code in the designated box.
• See the price in your shopping bag automatically drop.
Harrods runs a loyalty program called Harrods Rewards, where you can earn points for every £1 you spend on the Harrods website. Harrods points can be converted into cash at any time. You can join Harrods rewards by creating an account and get 10% off your first purchase.
Harrods free shipping
Harrods offers free shipping when you spend on orders over £100.
|
economics
|
https://www.consumerfinancemonitor.com/2023/08/22/cfpb-seeks-comment-on-new-survey-of-student-loan-borrowers/
| 2023-09-23T23:29:34 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506539.13/warc/CC-MAIN-20230923231031-20230924021031-00390.warc.gz
| 0.950975 | 210 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__320824431
|
en
|
The CFPB has published a notice in the Federal Register seeking comment on its request for approval by the Office of Management and Budget of a new one-time survey of student loan borrowers. Comments must be received by September 18, 2023.
The survey is intended to allow the CFPB “to understand [student borrowers’] borrowing decisions, their experience managing their loans, and their expectations for the future.” The CFPB will send the survey to a random sample of individuals selected from individuals in its new Consumer Credit Information Panel (CCIP). The CCIP is a sample of de-identified credit records from one of the nationwide consumer reporting agencies. Responses to the survey will be matched to the CFPB’s CCIP data to provide a more complete picture of borrowers’ financial standing. In conducting the new survey, the CFPB plans to follow similar methods to its Making Ends Meet and Consumer Views on Debt surveys but will sample a different population of borrowers and focus primarily on student loans.
|
economics
|
https://www.citizensnotpoliticians.org/dollar-general-couldnt-put-thumb-on-scale-neither-should-ohio-politicians/
| 2024-04-19T17:59:26 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817442.65/warc/CC-MAIN-20240419172411-20240419202411-00177.warc.gz
| 0.937306 | 149 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__69703314
|
en
|
In the business and consumer marketplace, our government goes to extraordinary lengths to ensure fair dealing — keeping thumbs off the scales.
In the political marketplace, sadly, too often it’s the opposite.
From our nation’s earliest days, government officials have worked to guarantee equity and build trust in the market for goods and services.
Article I, Section 8 of the U.S. Constitution gives Congress the power “to fix the standard of weights and measures.” On March 2, 1799, President John Adams signed the nation’s first weights and measures law.
Ever since, state and local governments have embraced the latest advances in precision measurement and enforced laws on accurate transactions to benefit businesses and consumers.
|
economics
|
https://www.gransol.eu/ftlconditions
| 2023-05-28T03:48:12 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224643462.13/warc/CC-MAIN-20230528015553-20230528045553-00436.warc.gz
| 0.899551 | 907 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__43135712
|
en
|
-fix collections/deliveries or other crucial appointments (extra cost threat) have to be advised before confirming the transport (special tool bookings, hired staff and specialists, follow up transports and similar) – no additional cost will be accepted without previous warning!
-after arrival, we only guarantee 3hrs waiting/loading/offloading time, every hour over 3hrs will be charged by 40€ (max 400€/24hrs)
-we are not giving away any contact details of our hauliers/partners - should this information be necessary for loading or any other activity connected to the transport, you have to advise before sending the order.
-we accept only cancellations within 15:00 of the working day before the agreed loading date - unreasonable cancellations after 15:00 without a proof of real problem will be fined as a cancellation in the day of loading!
-in case of order cancellation in the day of loading we charge 80% of the agreed transport rate
-in case the transport will be postponed in 1 or more days in the day of loading, we charge waiting cost as per 2nd point of this conditions
-you should provide us complete information about the transported goods and its value - our insurance covers 8,33SDR/1kg - in case your cargo has higher value, we need the information before loading.
-we do not accept higher replacement truck cost then 10% of previously agreed rate – and only in case of delay of 24hrs (if agreed fix collection/delivery)
-we do not transport ADR goods, goods for which is a special licence needed and high value goods (FTL value higher then 100.000€) without previous agreement - in case we will not be informed before confirming the order, the extra cost connected to the issue will be invoiced to you
-we do not accept any additional cost without a proof / cost for loading equipment & packaging purchased at the loading place must be confirmed by a signature and written name of the driver – information about this purchase must be sent within 10 days after loading, otherwise we can not guarantee the payment!
-we do not accept any invoices for loading material and packaging materials without being previously agreed with the agent - the need for specific equipment or pallet change must be explicitly agreed per email!
-our drivers are only providing the transportation, any extra activities like loading/offloading assistance has to be paid extra to the transport charge. If the loading/offloading assistance not agreed before accepting the order, the driver has the right to refuse the assistance and waiting will be charged as per 2nd point of this conditions...
-you ensure that the goods are packed sufficiently and it will protect the goods from all risks during the transportation (swinging, vibration, humidity, reloading operations etc.) - we are obliged to speak out doubts, which might lead to cancellation of the shipment - extra cost connected to repacking or waiting will be charged as per point 2 of these conditions or point 5 in case of cancellation.
-we are a freight forwarding agency and all transports are made by our subcontractors, therefore you will receive the CMR with hidden information about our haulier - should this be a problem for you, inform us immediately.
*you were informed about this matter and we do not accept any delays of our invoices for that reason!
- we are not sending original paperwork per post – scanned Copy only!! Should this be a problem, let us know immediately!!
-we only accept bank transfer payments (bank account stated on the invoice) – no extra reductions without previous agreement accepted.
-this agreement is governed by Austrian substantive law and the court of jurisdiction is in Innsbruck.
GB - Should you have difficulties understanding these conditions, let us know immediately!!
DE - Sollten Sie Schwierigkeiten haben, diese Bedingungen zu verstehen, bitte um sofortiges Bescheid!!
FR - Si vous avez des difficultés à comprendre ces conditions, veuillez nous le faire savoir immédiatement !!
IT - In caso di difficoltà nel comprendere queste condizioni, fatecelo sapere immediatamente!!
Thank you / Danke/ Gracias / Merci / Grazie
|
economics
|
https://thefeministvegan.com/blog/takecareofeachother
| 2018-05-25T11:02:06 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794867085.95/warc/CC-MAIN-20180525102302-20180525122302-00546.warc.gz
| 0.977997 | 863 |
CC-MAIN-2018-22
|
webtext-fineweb__CC-MAIN-2018-22__0__11018238
|
en
|
On Taking Care of Each Other
I had a fascinating conversation yesterday with my Dutch friends about cultural differences between the Netherlands and the United States. The family I’m staying with here in Sassenheim spent four years living in my hometown in California, so they’re well-versed in our way of life on the other side of the Atlantic.
At dinner last night, talk inevitably turned to politics and the current administration. I explained that despite four attempts by the Republicans to repeal the law, the Affordable Care Act is still in place. We discussed the differences between our two countries’ political systems - here in the Netherlands, there are over eighteen political parties with seated representatives, compared to our paltry two - and how dismal the social safety net is in the United States, especially when compared to the robust protections here.
My Dutch friends know how expensive healthcare is in the U.S. and how little the government provides for the safety and wellbeing of residents there. Income inequality is much lower in the Netherlands, they explained, due to protections here that ensure a basic quality of life regardless of one’s ability to work. The system sounds excellent. Rates of homelessness and poverty are minuscule, relatively speaking, and there is a strong belief in universal healthcare across all political parties, from the ultra-conservatives to the Communists. To say that I wish that the U.S. government protected basic rights like this would be the understatement of the year.
I said something to that effect to my friends, and one looked at me and paused.
“Yes,” she said, “The government should provide for people in this way. But something that I miss about the U.S. is how people took care of each other. Here, because the government takes care of us, that doesn't happen as much.”
I was taken aback. I have long touted the social benefits of a strong governmental safety net, but I had never considered whether such a system would also have social costs.
My friend went on to explain that in her experience living in California, people took care of each other. Neighbors dropped off homemade gifts around the holidays, friends visited each other in the hospital, and anonymous donors sent checks to cover the school fees for kids whose families couldn’t afford to pay them. There’s a system of communal care based on reciprocity, because everyone knows that your misfortune today could be mine tomorrow. That doesn’t happen here, she said. Everyone knows that we have protections if disaster strikes, and so we don’t take care of each other outside the family.
She used the example of what happened in my neighborhood when the largest wildfire in California history loomed in the hills behind my family’s house. Everyone was knocking on each other’s doors, calling to check in, and ensuring that everyone was accounted for on my street. My mother and a couple other people physically pulled an elderly neighbor, who was fast asleep, out of her house as the flames leapt toward our houses. There were no officials there to evacuate us; we did it ourselves, and we made sure everyone was out and safe. In the Netherlands, she said, everyone would just run.
I’d never thought about it before, but she was right. Especially in my adopted home of Washington, DC, people really took care of each other. I was in countless message threads and Facebook groups centered around community care. If someone couldn’t pay rent, we chipped in; if an activist needed money for legal fees, we paid them; if someone was hurt, we set up a GoFundMe to pay for their medical bills. I hate that any of this was necessary in the first place; in a just world, no one would want for any of these basic, essential things. But that is not the world we live in, and in the gaping void torn open by capitalism and corruption, communities flourish. In spite of toxic, oppressive forces that try to isolate us, we take care of each other. I refuse to stop fighting for the protections that would render these networks of care less necessary, but I can celebrate their existence in the meantime.
|
economics
|
http://yoursaucepans.blogspot.com/2012/10/chivirico-tries-to-open-bank-account.html
| 2020-01-20T09:49:03 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579250598217.23/warc/CC-MAIN-20200120081337-20200120105337-00096.warc.gz
| 0.995252 | 873 |
CC-MAIN-2020-05
|
webtext-fineweb__CC-MAIN-2020-05__0__167373437
|
en
|
Chivirico came to the bank with me a couple of weeks ago and was totally fascinated by the ATM machine. The fact that I put my card in, and money came out astounded him. He stood there watching wide eyed as more people used the machine, and from that moment all he wanted was a bank card so that he too could go and use the machine.
I explained to him that you have to have an account with the bank, with money in it, in order to be able to take money out of the machine. That was it. His sole purpose became earning money to open a bank account. He has washed the car (well the bottom half of it);
Fed the dogs.
Each time he gets paid a few pesos, but straight away goes to the colmado to spend them on a biscuit or sweets. I explained to him that if he spent all his money as soon as he had it, he would never have any to put in the bank. His reply was that he was hungry and it was more important to eat than put money in the bank and he could only save money if he wasn't hungry.
The discussion continued over a game of dominoes and I said that if he had 10 pesos he should spend 5 pesos on a biscuit and then save 5 for the bank. That appeared to be a satisfactory solution, and within a few days he had 15 pesos saved and we were prepared to go to the bank the next day to see about opening an account. He was beside himself with excitement.
The next morning arrived and once school was over Chivirico came to the house and announced he could not go to the bank as his father had come to the house and taken 10 of his 15 pesos to give to his brother and sister. His father had told him it was very important to share. This of course is true, especially in this country, and I remembered being in hospital when I was 5 to have my tonsils out and my grandmother sent me a box of chocolate teddy bears. The nurses told me it was important to share them with all of the children on the ward, with only one for me. I remember being heartbroken and furious at having to share my chocolate teddy bears so it was interesting to see that Chivirico just accepted that it was the right thing to do share his hard earned cash with his siblings, although it meant that going to the bank was on hold until he could earn some more money.
The next day he earned some more, so off we went to the bank with 11 pesos.
We arrived there during lunch hour and so the bank was nearly empty. Chivirico sat down and put his 11 pesos on the counter and announced he would like to open an account. Unfortunately the children's accounts need a minimum of 500 pesos to open them, and he would not be able to have a card to take money out of the machine, it comes with a savings book. The account must be opened by an adult and it is that adult who can take the money out, although Chivirico can pay it in. In order to open the account he just needs an adult to do it, a copy of his birth certificate – and 500 pesos. He went into great detail at the bank about how he was earning money, and that it was best not to spend it all on sweets, concluding by saying he needed the money to buy a Jeep. All of the bank staff were in total hysterics.
Although disappointed, he was not defeated. We got home and he made a money box out of a Gatorade bottle, and I have told him when it is full then we can go back to the bank and open his account. We just need to decide who the responsible adult will be! The money in the bottle appears to be going up and down, although it is counted several times a day. I think it is probably being raided for sweets and biscuits at the colmado.
One day he will have his bank account. In the meantime, if you want to keep up with his activities on a regular basis, he now has his own Facebook page, set up by one of his fans - Chivirico the Body Guard.
|
economics
|
http://madisoncollegebookstore.com/home.aspx
| 2016-08-26T19:54:09 |
s3://commoncrawl/crawl-data/CC-MAIN-2016-36/segments/1471982296571.15/warc/CC-MAIN-20160823195816-00292-ip-10-153-172-175.ec2.internal.warc.gz
| 0.865923 | 130 |
CC-MAIN-2016-36
|
webtext-fineweb__CC-MAIN-2016-36__0__85263106
|
en
|
Fall financial aid book charge dates: August 22-September 9
Orders not picked up after 15 business days (Monday-Friday) from the date of the order will be refunded less a 25% restocking fee.
Textbook Buyback (D1501)
August 29-31 8:30am-4:30pm
Semester Extended Hours
Monday-Thursday 7:00 a.m. to 7:00 p.m.
Friday 7:00 a.m. to 4:30 p.m.
Saturday, August 27 9:00 a.m. to 1:00 p.m.
|
economics
|
https://www.targetwire.com/cybit/2008/06/11/cyb313/cyb313_uk.html
| 2023-06-05T20:46:01 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224652161.52/warc/CC-MAIN-20230605185809-20230605215809-00315.warc.gz
| 0.915508 | 861 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__218256010
|
en
|
Cybit, the UK's leading online Telematics Service Provider, has signed an exclusive partnership agreement with Ford Motor Company, to provide a fully managed service branded 'Ford Fleet Telematics' solution for Ford Fleet customers.
The agreement provides a framework that formalises Cybit's relationship as Ford's appointed telematics partner. Under the terms of the agreement, Cybit has exclusive telematics access to Ford's detailed and confidential CanBus coding information, which allows Cybit software to interface with the existing Ford CanBus systems on the current Ford Transit and Transit Connect models. This enables Ford Fleet customers to have confidence in the accuracy of the reports generated using CanBus data.
Commenting on the partnership Richard Horsman, Cybit's Chief Executive Officer said: "We have an established relationship with Ford, which has led Cybit to help develop and power Ford’s own branded Fleet Telematics solution. This enables Ford Fleet customers to realise operational cost and productivity benefits whilst also helping them manage their duty of care requirements.
"We are delighted to be working with the most prominent brand in the commercial vehicle market to bring significant benefits to Ford's Fleet customers."
The use of Cybit's fleet tracking and vehicle data technology will enable organisations to make strategic business decisions and to reduce costs from their fleets in a range of areas - from fuel usage to preventative vehicle maintenance. The vehicle tracking software integrates with Ford's CanBus vehicle management system to generate customised reports on a wide range of vehicle movement or driver performance indicators that enable strategic fleet management and identifies opportunities for drivers to improve their skills through training.
The system works via an unobtrusive GPS device located inside the vehicle that provides real-time positioning information which when collated is combined with CanBus data and transmitted via O2's GPRS network to Cybit's servers. This data is processed into a broad spectrum of user defined strategic reports, providing real-time fleet visualisation or historical analysis, and then distributed via the internet.
Cybit is a global force in Telematics, operating within three core sectors: Internet-based vehicle Telematics solutions; Economic Exclusive Zone (EEZ) Management; and Private Mobile Radio (PMR) based asset tracking and precise positioning solutions.
In the vehicle Telematics sector, Cybit is one of Europe's leading Telematics Service Providers (TSPs). More than 1,700 business to business clients use the company's fleet and asset management solutions to manage in excess of 45,000 assets primarily in the public sector, service industries and logistics and distribution markets. Solutions include in-vehicle technologies, work flow management, CanBus integration and internet-based monitoring and reporting software. The company also provides consulting services to advise on operational and legal issues such as duty of care and working hours.
Cybit is also a global leader in the field of EEZ fisheries management, tracking many thousands of fishing vessels on a daily basis. The company provides vessel monitoring and catch management solutions for many of the world’s major fishing nations. As well as EC governments including the UK, Ireland and Greece, Cybit helps to manage valuable fishing stocks for emerging nations such as Ghana, Namibia and Mozambique
Cybit's PMR business provides asset-tracking and precise positioning solutions for both maritime and land-based applications including exploration and mining. Its precise positioning solutions are in constant use in the location and exploitation of oil, gas and mineral reserves around the globe.
Additional information is available at www.cybitholdings.com, www.cybit.co.uk, www.truck24.com, www.amatics.com, www.cybitpositioningsolutions.co.uk and www.bluefinger.com
IBA - PR for Cybit
Tel: 01780 721 433
Marketing Manager, Cybit
Tel: 01480 389100
Issuers of news releases, not Targetwire, are solely responsible for the accuracy of the content.
|
economics
|
https://forum.vzy.co/t/paystack-integration-parity-pricing-for-nigerian-users/155
| 2024-02-24T02:17:28 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474482.98/warc/CC-MAIN-20240224012912-20240224042912-00571.warc.gz
| 0.910565 | 451 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__130198325
|
en
|
At Vzy, we’re committed to making website building accessible and affordable for everyone, no matter where you are in the world. We understand the importance of providing fair and equitable pricing, and we’re thrilled to announce our partnership with Paystack, which allows us to offer Parity Pricing for our Nigerian users.
Parity Pricing means that Vzy’s incredible website-building capabilities are now available to Nigerian users at prices that are aligned with the local market. We believe in providing the same value and quality to all our users, and Parity Pricing ensures that our Nigerian users can enjoy all the benefits of Vzy without breaking the bank.
- Basic Sites: Our Basic plan, which typically costs $15 per month, is now available for just N7500 per month in Nigeria. And if you prefer to pay annually, you’ll get an even better deal at just N60000 per year.
- Pro Sites: For those looking for advanced features and capabilities, our Pro plan, usually priced at $35 per month, can be yours for only N17500 per month in Nigeria. And the annual pricing for Pro sites in Nigeria is an incredible N150000 per year.
We understand that currency exchange rates can fluctuate, and the cost of living varies from one country to another. To ensure fairness and affordability for our Nigerian users, we’ve set our Parity Pricing based on a discount rate of N500 to $1. This means that you’ll enjoy significant savings when compared to the parallel market rate, which can be as high as N1000 to $1.
Vzy Paystack Integration is a game-changer for Nigerian users. It means that you can create stunning, feature-rich websites without worrying about exorbitant costs or unfavorable exchange rates. With Vzy, you have access to powerful website-building tools at a price that aligns with your local economy.
We invite all our Nigerian users to join the Vzy community and experience the freedom of creating beautiful websites with ease. Whether you’re an entrepreneur, a blogger, or a small business owner, Vzy empowers you to bring your online vision to life without financial barriers.
|
economics
|
https://www.dentistarmidale.com.au/dentist-henley-brook-how-much-does-the-dentist-cost/
| 2023-12-02T01:19:33 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100309.57/warc/CC-MAIN-20231202010506-20231202040506-00140.warc.gz
| 0.95169 | 933 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__32917555
|
en
|
Dentist offers a wide range of dental procedures at affordable, capped costs, with payment choices to fit your budget – so you can budget ahead of time and know exactly how much your dental treatment will cost.
Dentist Henley Brook cost also provides a unique dental Member Program, which helps you save even more money on your dental treatments in the long run, unlike many other dental practices.
Assisting you in budgeting for your dental care in Dentist Henley Brook
Many people put off going to the dentist Henley Brook because they are afraid of unknown charges or unforeseen charges. As a result, we provide interest-free payment options.
Our whole range of dental treatments includes low capped rates and flexible payment options to meet your needs. So you can budget ahead of time and know exactly how much your dental procedure will cost.
Does private health insurance pay for dental care?
Many Australians pay for dental care using private health insurance. Most health insurance plans will only cover around half of the cost, leaving you to foot the bill.
Various health funds have different policies. There are variances in what they will pay for and what they will cover. There may also be annual restrictions on how much you may claim. Before receiving dental care, it’s critical to double-check what’s covered under your policy.
In the ‘General treatment, Extras or Ancillary’ part of your policy, you may find out what your health fund covers. Because various funds use various phrases to describe what they will pay for, you should read the policy carefully:
- X-rays, exams, cleaning and polishing, fluoride therapy, tooth extractions, and fillings are all part of routine dental care.
- Crowns, veneers, bridgework, implants, and dentures are examples of major dental work.
- Some health plans have preferred providers, which means you’ll see dentists who they recommend. You receive lower prices, more outstanding refunds, and more preventative services this way, but you don’t have as many dentists to choose from.
How long does professional teeth whitening last?
Professional whitening is not a permanent treatment and must be maintained, but it may last longer than a home remedy. Henley Brook Professional teeth whitening effects are predicted to last anywhere from six months to several years, but over-the-counter teeth whiteners may only last a few weeks.
Dentist Henley Brook: What are the different types of veneers?
Porcelain is the most frequent material for dental veneers. Traditional dental veneers require more prep work than alternatives, commonly referred to as “no-prep veneers.” These no-prep veneers, including Lumineers and Vivaneeres, take less time to install and are less intrusive.
Veneers are not the same as crowns or implants. Veneers are thin shells that cover the front of the teeth. Implants, on the other hand, are tooth replacements that replace the complete tooth. Veneers cover the tooth’s front surface, whereas crowns enclose the entire tooth (which is visible with a smile).
How much do veneers cost?
Veneers in Dentist Henley Brook are considered a cosmetic operation; they are seldom covered by insurance. According to the Consumer Guide to Dentistry, traditional veneers can cost anywhere from $925 to 2,500 per tooth and can last anywhere from 10 to 15 years. No-prep veneers range in price from $800 to $2000 per tooth and last 5 to 7 years. Traditional veneers are frequently the most cost-effective solution in the long run.
The cost of your veneers is determined by a variety of factors, including the type of veneers you choose, the brand name your dentist has on hand, the cost of living in your location, and the dentist’s experience.
How often do you need to go to the dentist?
Every year, the Australian Dental Association (ADA) surveys dental practitioners to get average pricing statistics on more than 120 dental procedures.
The average cost of a periodic check-up, which includes an inspection, scale and clean, and fluoride treatment, is roughly $215, according to ADA statistics from 2019.
However, prices vary widely across dentists; the lowest will set you back $156 for those three products, while the most costly would set you back $296.
|
economics
|
http://www.thedoorways.org/help-us-thrive/give-financially/
| 2015-07-30T08:06:33 |
s3://commoncrawl/crawl-data/CC-MAIN-2015-32/segments/1438042987155.85/warc/CC-MAIN-20150728002307-00173-ip-10-236-191-2.ec2.internal.warc.gz
| 0.93739 | 474 |
CC-MAIN-2015-32
|
webtext-fineweb__CC-MAIN-2015-32__0__105547107
|
en
|
Medical crises take no vacation, occur in good economies and bad, and strike people at all income levels. But thanks to generous donors, The Doorways is open 24/7, 365 days a year, through good times and bad, for all of our guests, regardless of their ability to make a donation for their stay.
The Doorways counts on annual contributions from churches, foundations, civic and veterans organizations, businesses, and individuals, including guests and former guests to serve the approximately 8,000 guests who stay with us each year.
We welcome gifts of all types, including checks, Visa, MasterCard, Discover or American Express. We will work with you and your financial advisors to maximize the tax benefits for you and the value of your gift. Gifts can be deducted from your adjusted gross income on your tax return.
Our most critical financial need is funding for day-to-day operations, because our House, just like yours, has heating, air conditioning and maintenance costs. And, while volunteers provide many services for The Doorways, a small staff is still necessary to keep everything running smoothly.
Every dollar makes a difference!
Online Giving Gifts and pledges can be made online here.
Send checks made payable to The Doorways to:
612 East Marshall Street
Richmond, VA 23219
Honorariums and Memoriams
A gift to The Doorways is a thoughtful way to honor a milestone important to your family and friends, or to celebrate the life of a loved one whose memory will live on not only in your heart, but also in our mission.
Gifts of Stocks or Bonds
A gift of long-term appreciated securities has two major advantages. It provides the donor with an immediate income tax deduction and eliminates a capital gains tax to the extent allowed by tax law. Typically donors have stock transferred from their brokerage account to the account The Doorways holds with Merrill Lynch. Electronic transfer is the safest and fastest way to give stock to The Doorways. Instruct your stock broker to transfer your shares to:
Merrill Lynch DTC #5198
Merrill Lynch #75804009
If you have any questions regarding the transfer or stocks or securities, please contact Shawn Walker, CFO, #804-828-6901.
Tax Id # 54- 1240348
|
economics
|
https://senatordidomenico.com/press-release/massachusetts-legislature-passes-resolution-encourage-corporate-gender-diversity
| 2020-09-20T10:06:06 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400197946.27/warc/CC-MAIN-20200920094130-20200920124130-00320.warc.gz
| 0.953613 | 708 |
CC-MAIN-2020-40
|
webtext-fineweb__CC-MAIN-2020-40__0__78959110
|
en
|
BOSTON— Senator Sal DiDomenico and his colleagues in the Legislature unanimously adopted a resolution to encourage equitable and diverse gender representation on boards of companies in the Commonwealth. The Senate passed the resolution in July, followed by the House of Representatives in October. Senator DiDomenico was a co-sponsor of this resolution.
“This resolution will help to ensure that women continue to play a key role in driving the health of the Commonwealth’s business climate and the success of our economy”, said Senator DiDomenico, Vice Chair of the Committee on Ways and Means. “By actively promoting diversity and gender equity in Massachusetts’s businesses, we are also committing to the long term success of our companies. While this resolution makes a declaration of Massachusetts’s commitment to fairness and equality, it will also help to ensure that we continue to remain an attractive place to conduct business.”
“This is not just a women’s issue or a family issue. This is also a business issue,” said Senator Karen Spilka, Chair of the Senate Committee on Ways and Means and the lead Senate sponsor of the resolution. “Research consistently shows that businesses with greater gender diversity in their leadership ranks have a competitive advantage. The future of the Massachusetts economy depends on bringing the best talent to the table. With this resolution, we are making a strong statement of public policy that Massachusetts values equality, justice and diversity.”
“This resolution encourages the Massachusetts businesses to become national leaders in expanding the number of women as board members,” said Senate President Stan Rosenberg. “Diversity in leadership allows for a variety of perspectives when making important decisions on the direction of companies and nonprofits.”
The Women on Boards resolution had support from 62 co-sponsors in the Legislature, the Alliance for Business Leadership, 2020 Women on Boards, local advocates and business leaders. The legislation encourages privately held and publicly traded companies in Massachusetts to:
- Adopt policies and practices designed to increase the gender diversity in their boards of directors and senior management groups and set goals by which to measure their progress;
- Publicly disclose the number of women and total number of individuals on their boards of directors; and
- Have a minimum of three women directors on boards of nine or more and a minimum of two women directors on boards with fewer than nine directors by December 31, 2018 AND measure their progress toward a goal of equal representation of men and women in leadership positions on an annual basis.
The Boston Club’s 2014 Census of Women Directors and Executive Officers of Massachusetts Public Companies reports that women hold 14.9% of the board seats and 11.8% of executive officer positions in the 100 largest public companies in Massachusetts. Twenty-four of these companies have no women on their boards of directors, 46 have no women executive officers and 19 have no women on their boards of directors or in their executive suites.
A 2014 Credit Suisse report that analyzed over 3,000 companies across the world found that greater gender diversity on boards of directors and in management “are empirically associated with higher returns on equity, higher price/book valuations and superior stock price performance.” In addition, the authors “find no evidence that female led companies reflect greater financial conservatism where leverage is concerned [and] dividend payout ratios have been shown to be higher.” Additional reports reinforce the correlation between greater gender diversity in top management and enhanced corporate performance.
|
economics
|
http://www.wb.com.au/contact-us/
| 2013-05-24T07:21:45 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368704288823/warc/CC-MAIN-20130516113808-00073-ip-10-60-113-184.ec2.internal.warc.gz
| 0.927367 | 140 |
CC-MAIN-2013-20
|
webtext-fineweb__CC-MAIN-2013-20__0__41357360
|
en
|
WB Financial has 17 offices Australia-wide along with the Head Office (Licence) which is located in Brisbane. Our team of Advisers service most capital cities and are also able to assist clients that may not be located within close proximity to an office.
Free Call 1800 458 044
Head Office: Ground Floor, 32 Logan Road Woolloongabba QLD 4102
WB Financial is inclusive of WB Financial Management Pty Ltd (ABN 71 073 303 885) Australian Financial Services Licence holder (No. 236 839) and WB Credit Management Pty Ltd (ABN 35 145 548 018) Australian Credit Licence holder (No. 386 671).
|
economics
|
http://www.pokerjolt.com/news/poker-news/296/Zynga-Poker-makes-1-14-billion-
| 2017-04-27T05:14:54 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121869.65/warc/CC-MAIN-20170423031201-00319-ip-10-145-167-34.ec2.internal.warc.gz
| 0.963012 | 282 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__248036100
|
en
|
Zynga Poker makes $1.14 billion
Zynga, the rising star of facebook, reports record revenues for 2011
|by Alligator Blood||February, 17th 2012||
Above: Zynga Poker, the rising star of facebook, is booming
Zynga Poker has reported staggering record revenues of $1.14 billion.
The firm behind facebook's most popular games, including Farmville and Words with Friends, also said the huge rise in income was set to continue this year.
But the online gaming giant still made a loss because of a monster $510 million tax bill and IPO costs.
Since it launched in 2007, Zynga Poker has become one of the most popular games on the internet with 35 million regular players globally.
The firm is set to move into real-money poker later this year and has also positioned itself as a dominant force in the mobile/apps market.
It is currently valued at $8.3billion on the New York Stock Exchange.
Zynga was one of the first companies in the world to launch a 'Timeline App' on the new-look facebook last month. Only 60 firms globally have so far launched the apps, which are expected to dominate the social networking site this year as it seeks to commercialise its user base in the run up to its own stock market floatation.
|
economics
|
https://ktvq.com/news/trending/2019/07/10/dow-poised-for-fourth-down-day-ahead-of-powell-testimony/
| 2019-07-17T08:47:04 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195525133.20/warc/CC-MAIN-20190717081450-20190717103450-00519.warc.gz
| 0.967801 | 515 |
CC-MAIN-2019-30
|
webtext-fineweb__CC-MAIN-2019-30__0__173162778
|
en
|
The Dow rallied on Wednesday and the S&P 500 crossed 3,000 points for the first time ever on the back of prepared remarks from Federal Reserve Chairman Jerome Powell, who hinted that a rate cut is coming.
Powell, who is beginning his biannual congressional testimony on Wednesday, pointed at economic crosscurrents, including “uncertainties around trade tensions and concerns about the strength of the global economy [that] continue to weigh on the US economic outlook.” He also noted inflation continued to run below the Fed’s target.
Investors read that as a sure sign that the Fed plans on cutting its interest rates at its next meeting later this month.
Stock futures had been in the red Wednesday morning but turned higher after the remarks were published ahead of the opening bell.
The S&P 500 bounced 0.7% higher. The Nasdaq was up 1%. The Dow was up 0.7%, or 188 points, marking its first higher open in four days. The Dow logged its third consecutive close in the red on Tuesday.
Both the S&P 500 and the Nasdaq hit intra-day record highs just a few minutes into the trading day.
Market expectations of a near-term interest rate cut had dominated for weeks until last Friday’s jobs report. The better-than-expected data suggested that the economy might not need the boost that a rate cut would provide.
On Tuesday, Philadelphia Fed President Patrick Harker said he didn’t see any need for interest rate changes. He said he would consider a rate cut if the economy weakened substantially, according to The Wall Street Journal.
But Powell’s remarks on Wednesday seemed to send a clear signal to the market. Expectations for a rate cut, measured by the CME’s FedWatch tool, returned to 100%, with 84% expected a 25 basis point cut. It had slipped to 96% earlier Wednesday, after sitting at 100% for week.
Lower interest rate make it cheaper for companies to borrow money and are thus supportive for the stock market.
Powell’s testimony will be followed by the minutes of the Fed’s June meeting, which will be released at 2 pm ET. On Thursday Powell will appear before the Senate Banking Committee.
Yields on US government debt, which is in part driven by interest rate expectations, dropped initially on Powell’s remarks but bounced back. The 10-year US Treasury yield is little changed at 2.0647%.
|
economics
|
http://www.susannebosch.de/115.0.html
| 2019-06-18T17:54:52 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627998808.17/warc/CC-MAIN-20190618163443-20190618185443-00112.warc.gz
| 0.952333 | 1,253 |
CC-MAIN-2019-26
|
webtext-fineweb__CC-MAIN-2019-26__0__168082472
|
en
|
How Much Do I Owe You? A vacant bank is transformed into a site-specific art exhibition that asks the public to reflect on their relationship to contemporary systems of exchange. 12 Dec 2012 -13 March 2013. The Clock Tower, 29-27 41st Ave, Long Island City, Queens.
I presented a video documentation of the "Left-over Penny Campaign", Germany 1998-2002, 43 min11 sec, English.
“Left-over Penny Campaign”
CONTENT OF THE VIDEO
The Restpfennig Campaign collected unused economic and intellectual capital – ideas and wishes – in the form of one German Pfennig coins from 1998-2002. 13 tons of coins were collected in public space throughout Germany. The public collection sites were located in Berlin (Alexanderplatz), Munich (Marienplatz) and Nuremberg (Königstrasse), as well as smaller collection sites and thousands of private collection boxes. 1,601 ideas and wishes were gathered through letters, e-mails and interviews. An integral element of the concept was to involve the public in the decision-making process of what should happen with the collected coins and visions. 1,087 people applied to be a part of the decision committee. Of these, twelve were randomly selected on 3 April 2002 in a public event and invited to decide which of the 1,601 ideas and wishes should be realised.
The committee met for two weekends in May and June of 2002 in the ACC Gallery in Weimar. On the first weekend, they collectively worked out a list of criteria and they decided upon rules for voting. On the second weekend, they chose four wishes.
In June and July of 2002, all of the collection boxes were emptied, publicly sorted and brought to the appropriate national banks for depositing. Over the four and a half years, hundreds of thousands gave their spare pennies. There were 1,601 idea donors and approximately 500 people actively helped the project. Many institutions, government officials, prize juries, decision makers and private citizens helped to make this project possible. The wishes were realized between 2002-2007.
As an art project in public space, the Restpfennig Campaign posed three questions:
1. The potential of art to work in societal contexts.
2. The principle of people cooperating and working together.
3. The responsibility of the individual in regard to its unexploited creative potential.
The Restpfennig Campaign was my artistic attempt to take the responsibility "to make the future, that we want or do not want, an object of civic discourse." The Restpfennig Campaign accumulated cultural capital in the form of a comprehensive wishing and idea archive; it accumulated social capital in form of the interested people and volunteers as well as economic capital in the form of approximately 13 tons of coins – not to mention project funding. ‘’To collect left-over pennies is an economic nonsense’ was a pivotalstatement at the beginning of the project in 1998. It was a crucial question, whether and how it could succeed to move these quantities of 'waste money' in such an economically driven world and then convert it into intellectual capital. A further, crucial question related to the decision-making process regarding this accumulated capital, which was delegated to a representative public. Thanks to thousands of hours of unpaid work, project funding, sponsoring as well as a full-time volunteer it was possible to use the largest part of the Restpfennig mountain for the realization of the selected four wishes. My three initial questions could be answered positively despite the ‘economic nonsense’: the visionary potential of an idea could accumulate an immense cultural and social capital. Thousands of people participated on their own impulse. Unused capital of this kind exists in our society. In 2003, a book was designed to give an adequate form and public to the intellectual capital of the project (desires and ideas). The desires and ideas form an important part of this art project; they are the engine of my work. Furthermore the book served the reflection of this work.
When the committee met on the first weekend in May 2002, they worked out a list of criteria and they decided upon rules for voting.
The list of criteria was as follows:
1. The idea must be able to be realised with the pennies/ materials to hand
2. The idea must come from the idea pool
3. The idea is defined in a way that can be realised
4. The idea is effective and sustainable
5. Synergies are recognisable
6. The idea is immediately effective/ clearly effective/ concretely effective
7. The art/ the identity of the Restpfennig Campaign must be retained
8. The idea is accessible
On the second weekend in June 2002, they chose four wishes:
1. Wish 1485: The preservation of the mountain of pennies in a smaller form. 250 kg of the coins (approximately
10 buckets) should to be taken from the collection sites and preserved as a symbolic mountain of pennies.
2. Wish 995: To set up and realise an Artistic Idea Competition: since this was a very complex idea, the committee decided to support an existing artistic competition. The artist group finger called for submission for "Evolutionary Cells – A Self-Representative Design of Societal Perspectives". They were given a grant of
€6,000: €5,000 to award their chosen favourites and an additional €1,000 to cover the administrative costs for the project. [Online] Available at www.evolutionaere-zellen.org [accessed 12 February 2012]
3. Wish 631: Seating in public space: working together with artists and/ or participants in the cities of Berlin,
Munich and Nuremberg, seating was created. All three projects were finalised by 2007.
4. Wish 1400: Covering costs of the project: any open costs of the Restpfennig Campaign should be covered (with the foreign currency coins); the artist Susanne Bosch should not be required to bear these costs.
|
economics
|
https://diamondretirement.com/about/
| 2024-02-26T08:43:49 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474653.81/warc/CC-MAIN-20240226062606-20240226092606-00441.warc.gz
| 0.972087 | 474 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__60145083
|
en
|
Daryl is an author and educator on the subject of using your assets to realize the greatest amount of security and satisfaction during the retirement years. He is well-known among his peers as one of the first financial advisors in Canada to identify the special skills and knowledge required to effectively and efficiently address the needs of the retirement income market. His work focuses on helping retirees reconcile their varying needs for income and lifestyle fulfillment as they progress through different stages of their retirement.
Although no longer working directly with individual clients, his Winnipeg, Manitoba-based practice, Diamond Retirement Planning Ltd, was dedicated to this service as well as the specialized investment strategies, health-risk management issues and wealth transfer considerations that are unique to this market. Of his 45 years in the financial services industry, the last 30+ years have been dedicated to the specialized area of retirement income planning. His current focus is on advisor education and training.
He has published four retirement income guides. “The Structure of Retirement Income” was released by CCH Publications in 1998. His second book “Buying Time” was first published by John Wiley and Sons in 2003.
Your Retirement Income Blueprint
His signature book, “Your Retirement Income Blueprint” was released in April 2011 and updated for re-release in 2014 and 2019 as a Canadian best seller.
Retirement for the Record
In October 2020, his latest book, “Retirement for the Record” was released. As a companion to Blueprint, this was a legacy project for Daryl, combining the accumulation of more than 30 years of experience in this specialized area of financial planning with his love of an inspirational era of music for the Baby Boomers. “Retirement for the Record” is a collection of real-life client stories that every retiree can relate to, in short and concise chapters. A brilliant combination of technical information on retirement income planning combined with relevant musical references from ‘our time’ drives the point home and engages the reader with memories of a time when some of the best music ever made was the soundtrack of our life.
Daryl is currently the Chief Retirement Income Strategist for Dynamic Funds. Sign in to LinkedIn to find his posts and podcasts here.
Member: The Financial Planning Standards Council of Canada
Member: The Financial Advisors Association of Canada (Advocis)
|
economics
|
https://urgentbusinessforms.com/personal_financial_statement/
| 2023-03-21T14:31:57 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943698.79/warc/CC-MAIN-20230321131205-20230321161205-00023.warc.gz
| 0.898974 | 882 |
CC-MAIN-2023-14
|
webtext-fineweb__CC-MAIN-2023-14__0__208980492
|
en
|
Download our personal financial statement software and create your own professional-looking financial statement today. Our powerful, yet easy-to-use software lets you complete your personal financial statement quickly and easily.
Your purchase includes the following:
> Free email and phone support
> Free download again at any time
> Free software updates
> Free backup USB drive mailed to you
> One-time payment
Our personal financial statement software is used by those looking to get a loan, buy real estate, file for divorce, plan a budget, or engage in other situations that require a professional looking personal financial statement.
Our personal financial statement software is also used by business owners, investors, tax preparers, financial planners, CPA’s, and accountants.
Lenders, banks, landlords, and other businesses require a personal financial statement to evaluate collateral, assets, and to look at a person’s expenses, long-term liabilities, and net worth.
Our personal financial statement software covers these topics and more:
- Checking and savings accounts
- Monthly expenses
- Assets and liabilities
- Net worth
- Financial information for individuals and couples
- Real estate owned (with the ability to list unlimited properties)
- Vehicles, boats, planes and other assets
- Personal and home assets
- Credit card debt
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- General debts payable
- Stocks, bonds and retirement funds
- Preparer’s information
Our #1 rated software covers important topics that are required by banks, businesses, and courts – including bankruptcy and divorce.
Our personal financial statement software will….
- Automatically add up all the numbers in each category.
- Automatically transfer the number from each category to the totals row in both the assets and liabilities column. (Example: You own 10 different pieces of real estate; our software will automatically total the values for all ten properties and then transfer the total to the column for all real estate owned).
- Calculate both annual and monthly totals for income and expenses.
- Calculate what percentage of the total the number entered represents.
- Automatically insert lines as you need them in each category.
- Print or e-mail your personal financial statement as a PDF document.
- Create as many personal financial statements as you like, for yourself or others.
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- Allow unlimited entries for all categories.
- Automatically calculate your net worth.
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1. Our summary page has features like what percentage of the total each number represents and gives both monthly and annual totals for income and expenses. None of our competitors have these features on their printout or summary page which is the most important part of a personal financial statement.
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Simply fill in your numbers and all math calculations are automatically done for you. You’re ready to print or email a great looking personal financial statement.
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What’s the difference between the Preparer’s Version and the Regular Version?
The preparer’s version is for CPAs, accountants, tax preparers, consultants, and others who prepare financial statements for others. Our website copyright notice is not on the printouts. In addition, the preparer’s version gives you a license to create an unlimited amount of personal financial statements for your clients at no additional charge. The regular personal financial statement is for your own personal or business use and our copyright notice is on the bottom of any printouts created.
We have sold thousands of copies of our personal financial statement software, and have thousands of satisfied customers to show for it.
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|
economics
|
https://safagrp.com/
| 2024-04-18T16:05:06 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817222.1/warc/CC-MAIN-20240418160034-20240418190034-00248.warc.gz
| 0.930879 | 475 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__142272075
|
en
|
About AL-SAFA Group
Al-Safa Group was established at the beginning of the year 1996. The first store was opened in the British countryside in the same year.
The company started its journey with 10 employees with a paid-in capital of 100,000 Saudi Riyal. Today, Al-Safa Group becomes one of the strategic investment groups in the pharmaceutical, retail, contracting, manufacturing and trade sectors in the Kingdom of Saudi Arabia. With total assets exceeding 300 million Saudi riyals, average sales of 400 million Saudi Riyals, and more than 2,000 employees.
Al-Safa Group is proud of its ancient Saudi heritage and its strong presence in the local arena. We currently have large numbers of markets and commercial centers operating with various products that we produce and distribute in more than 150 points of sale that are spread in the largest and most luxurious commercial centers in all the cities in Saudi Arabia, under the umbrella of retail companies; Al-Safa and Al-Aqd Al-Otor Trading Company are owned by The Beauty Secrets and Natural Touch brands with their global partnerships with pharmaceutical companies represented by Al-Safa Store Company for pharmaceutical.
Also, the Arabian Yalin Contracting Company works within the group administration, which is classified as a second contractor specialized in electricity, water, and infrastructure. The company is implementing many major and vital projects as the main contractor for the Ministry of Water and Environment and many small and medium-sized companies as start-up investments that play a key role in strengthening the structure of the group and the diversity of its income sources.
Al-Safa Store Co. for Pharmaceuticals, Ltd
Al-Safa Co. for Pharmaceutical and medical supplies With Limited Liability
Aqd Al-Otor Company
Al-Safa Factory Co. for Concrete Products
Al Safa Poultry Co. Ltd
Arabian Yalin Contracting Co. Ltd
Across Al Safa Advertising Company
Karam Joudy Co. for Trading
Leave a Message
+966 11 420 1015
PO Box 2769 Abi Bakr Al-Siddiq - Al-Taawon District - 6185 Unit No.: 24 Riyadh 12475-2835
|
economics
|
https://lunate.com/en/news-insights/announcements/lunate-capital-llc-launches-shariah-compliant-etf-tracking-indian-equities
| 2024-04-14T13:47:13 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816879.72/warc/CC-MAIN-20240414130604-20240414160604-00487.warc.gz
| 0.909463 | 885 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__37075771
|
en
|
January 12, 2024
Abu Dhabi, January 12, 2024 – Lunate Capital LLC, an Abu-Dhabi-based management company licensed by the Securities & Commodities Authority (SCA) and a subsidiary of Lunate Holding RSC Limited announced the launch of the Chimera S&P India Shariah ETF (Bloomberg: CHINDSHI), a physical, in-kind, liquid, and fully fungible exchange traded fund (“ETF” or the “Fund”) that will list on the Abu Dhabi Securities Exchange (“ADX”).
The Fund will track the performance of Shariah-compliant Indian equities listed on the Bombay Stock Exchange. Investors can subscribe through the six Authorized Participants as well as the ADX eIPO portal from January 12 to January 17, 2024.
The Chimera S&P India Shariah ETF, the ninth sub-fund under the Securities and Commodities Authority (“SCA”)-registered Chimera Umbrella Fund, will replicate the performance of the S&P India Shariah Liquid 35/20 Capped Index (Bloomberg: SPISLCAP) (“Index”). The Index is provided by the S&P Dow Jones Indices and tracks the performance of the 30 most liquid Shariah-compliant Indian stocks listed on the Bombay Stock Exchange. Current constituents include Reliance Industries, Infosys, and Tata Consultancy Services.
The Fund is an Income Share Class B which is planned for listing on the ADX on January 26. Dividends received by the Fund are intended to be distributed on a semi-annual basis.
Sherif Salem, Partner and Head of Public Markets at Lunate, commented: “The Chimera S&P India Shariah ETF offers investors on the ADX direct access to the world’s fifth-largest stock market and one of the fastest growing economies globally. This ETF is also Shariah-compliant which will appeal to a broader range of investors who prioritize adherence to Islamic financial principles. The Chimera S&P India Shariah ETF enhances the range of ETFs available to investors in the UAE, now giving them direct access to markets in eight different countries worldwide.”
The ETF will be managed by Lunate Capital LLC, which is licensed by the SCA as a management company. BNY Mellon will act as the ETFs’ global custodian. Authorized Participants for the Fund are International Securities, EFG-Hermes, Arqaam Securities, FAB Securities, Daman Securities, and BHM Capital.
Abdulla Salem Al Nuaimi, Chief Executive Officer of Abu Dhabi Securities Exchange, said: “Our congratulations to Lunate for the launch of the Chimera S&P India Shariah ETF. This new listing augments ADX’s status as a premier ETF hub with vital market coverage and extensive reach. The geographical diversification of funds listed on the ADX platform provides investors with the opportunity to access multiple regional and global markets that they might otherwise face difficulty investing in individually. In 2023, ADX’s trading values of ETFs exceeded AED 5 billion, marking a remarkable 160% increase from the previous year. Notably, trading volumes reached 1 million units, reflecting a substantial 205% year-over-year growth. These results underscore Abu Dhabi's position as a thriving capital hub and ADX’s role in offering retail and institutional investors strategic solutions to strengthen and diversify their portfolios locally and globally.”
Michael Mell, Global Head of Custom Indices at S&P Dow Jones Indices commented: “S&P Dow Jones Indices is pleased to continue working with Lunate Capital LLC and to license the custom S&P India Shariah Liquid 35/20 Capped Index for their new ETF. The Index measures the performance of 30 of the most liquid constituents of the underlying Index listed in India.”
Hani Kablawi, Head of International, BNY Mellon, added: “This latest ETF offering provides further opportunity for investors to access this fast-growing market. As the global custodian for all of Lunate Capital’s ETFs, we continue to support Lunate’s funds with our open architecture platform, ETF expertise and scale.”
|
economics
|
https://mcvma.org/job-board-form/
| 2023-09-24T21:24:33 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506669.30/warc/CC-MAIN-20230924191454-20230924221454-00755.warc.gz
| 0.946736 | 145 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__31069721
|
en
|
Once this form is submitted, you will be redirected to our PayPal to enter your payment information.
- The cost for posting on the MCVMA job board is $500 for three months.
- In the interest of equity, small BIPOC-owned businesses with less than 20 employees get a 50% discount if the business owner is a member of MCVMA.
- 10% off for residencies/universities/internships (including private internships)
- 25% off for non-profits (all sizes)
- 50% off for small BIPOC-owned businesses (less than 20 employees)
Submitters are asked to self-select the appropriate payment based on tier.
|
economics
|
http://www.finnwarner.com.au/our_services/business_services/accounting
| 2019-02-23T16:42:03 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550249508792.98/warc/CC-MAIN-20190223162938-20190223184938-00199.warc.gz
| 0.951724 | 143 |
CC-MAIN-2019-09
|
webtext-fineweb__CC-MAIN-2019-09__0__151924510
|
en
|
Accounting is the window to your business. It is the overall process of identifying, measuring, recording, interpreting, and communicating the results of economic activity; tracking business income and expenses and using these numbers to answer specific questions about the financial and tax status of the business.
At Finn Warner & Associates we can prepare your records and receipts to provide an insight into how you organisation is performing. It is not only important to know where you are going, you must work out how to get there and what resources you need to achieve your goals.
The services we offer include:
- Preparation of financial statements
- Business advice
- Support of MYOB, QuickBooks, JobBag and other accounting software
|
economics
|
https://verifiny.zendesk.com/hc/en-us/articles/360033496132-DMV-VERIFI-Tip-of-the-Week-72-Short-Reminder-About-Sale-Price-Entries-and-Accuracy
| 2022-07-05T00:19:21 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104506762.79/warc/CC-MAIN-20220704232527-20220705022527-00145.warc.gz
| 0.868081 | 210 |
CC-MAIN-2022-27
|
webtext-fineweb__CC-MAIN-2022-27__0__110996213
|
en
|
DMV/VERIFI Tip of the Week, #72
Short Reminder About Sale Price Entries and Accuracy
A recent review of VERIFI records revealed thousands of vehicles in dealer records with selling prices of between $1,000,000 and $10,000,000. These amounts are clearly the result of misplaced decimals or otherwise bad data.
Because the information contained in the VERIFI system represents your official records, we strongly urge that you double check your entries and make reasonable efforts to ensure the accuracy of your data.
Below are some suggestions:
- Only enter the whole dollar amount in numbers (decimals and commas are not allowed)
- Round your taxable sale price from your invoice to the nearest dollar amount on all sales prior to entering in VERIFI. (VERIFI automatically populates the “.00” at the end of the entered value.)
- Double check your entries. (sticky keys, mistypes, etc...)
|
economics
|
https://academic-surgery.com/category/genel/
| 2021-05-11T01:46:05 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243991553.4/warc/CC-MAIN-20210510235021-20210511025021-00588.warc.gz
| 0.9667 | 2,050 |
CC-MAIN-2021-21
|
webtext-fineweb__CC-MAIN-2021-21__0__73372697
|
en
|
Tired of waiting for a long time before being treated or operated in their own country, foreigners, especially Europeans, prefer Turkish medical institutions because of their fast and quality procedure.
Turkey is ranked fourth on the global health tourism list in terms of number of patients served and third in terms of revenue generated.
“Some 756,000 healthy tourists were welcomed in 2017, generating US $ 7.2 billion,” said Emin Çakmak, founding president of the Turkish Healthcare Travel Council.
Citing the advanced oncology equipment used in Turkey, he praised the serious investments in the healthcare industry over the past 15 years, which have completely improved Turkey’s infrastructure and technology.
In order to advance the currently booming health tourism, the Turkish government announced a series of new regulations and investment incentives for the sector last month.
According to Turkish Finance Minister Naci Agbal, the recently enacted Value Added Tax (VAT) rules provide VAT exemption for foreign patients in Turkey who receive services in this sector. p >
Turkey, which has achieved a higher level of success with the concept it has created in the sector in recent years, saw a 31% increase in health tourism in 2017, at a time when the The country’s economy is struggling with the depreciation of the Turkish lira.
“Health and care for the elderly is a very expensive business, many countries are looking for ways to reduce the high costs: with its sunshine, qualified medical facilities, staff and spa facilities, Turkey is a great opportunity ”, according to Agbal.
For 2018, Turkey’s medical tourism industry aims to attract 800,000 patients and $ 8 billion in revenue, with East Asia being one of the most promising markets.
According to Çakmak, Turkey welcomed 200 Chinese tourists for aesthetic or anti-aging therapies in 2017, and expects 1,000 Chinese tourists this year because the cost is 50% lower than in Switzerland and the United States.
In fact, treatments exist in almost every area of medicine, whether it’s organ transplants, cardiovascular treatments, obesity, or eye surgery.
“I had to wait up to a year in the Netherlands to have cataract surgery, but here it was done in a few days and I’m really happy with the result,” said Joost Van der Bosh, a foreign patient who underwent surgery in the city of Antalya, southern Turkey.
Turkey has also become a pioneer in hair transplantation, with people from over 70 countries seeking hair implant services in the transcontinental country.
“Turkey is one of the leading countries in the world in hair transplantation, and our doctors specializing in health tourism have serious skills,” said Özlem Safiye Kurt, tourism professional medical.
Turkey’s quality and success in hair implantation has attracted great interest from Saudi Arabia, Kuwait, Qatar and UAE in the Middle East, as well as Germany, Great Britain, the Netherlands, Italy, Spain and France.
According to Kurt, tourists receive hair transplant services in Turkey at half the price than in their own countries.
“We have had thousands of patients from Europe over the past five years and some of them have come back to have fuller hair,” said a representative from the clinic in Istanbul.
“The treatment fee also covers a two-night stay in a hotel for patients who want to sightsee in Istanbul, the historic heart of Turkey,” she added.
In addition to good coordination between several ministries, the Turkish airline Turkish Airlines, with an increasing number of destinations, also contributes significantly to the flourishing sector.
“Turkish Airlines flies to over 300 destinations, which makes it a great asset, as patients can also obtain visas online, which makes it easier to travel,” Çakmak said.
The hair transplant business is growing around the world. Turkey has established itself as one of the must-see destinations for this hair surgery. Tourists come from all over the world to perform hair interventions in private clinics. There are several reasons for this.
Turkey, a tourist destination, but not only
Turkey is renowned for being one of the major tourist destinations in Europe. Every year, millions of tourists go there to have a good time. It must be recognized that it is an attractive destination which has many tourist attractions. The magnificent city of Istanbul, its palaces and mosques, Izmir, the seaside resorts of Antalya and Bodrum… are exceptional sites to discover. But in recent years, this country has not only stood out for its tourist attractions. Another kind of tourism is gaining in importance in the country. This concerns in particular hair tourism. Many foreigners come to this country just to do a hair transplant. On the front line, we find Europeans from Germany, Belgium, France, Switzerland … Foreigners from Saudi Arabia are also well represented.
Why has Turkey become an essential destination for hair tourism?
If Turkey is in a good position in the field of hair tourism, it is no coincidence. It should be noted that this country has several assets that make it an essential destination for hair tourism. First of all, there is the fact that Turkish clinics specializing in hair transplants offer a quality service. Indeed, this service sometimes has nothing to envy to that practiced in France. Hair interventions are performed by professionals. These surgeons are also experienced and use advanced technology. In addition to the quality of service, it should also be added that the prices charged in this country are cheaper compared to other countries. The price of a hair transplant in Turkey is sometimes 2 to 3 times cheaper than in France.
In addition, once your hair transplant is complete, you will have the opportunity to visit the chic places of this country.
Ultimately, Turkey has different strengths that make it a prime destination for anyone who wants to have a hair transplant. Renowned clinics, cutting-edge technology, competent and experienced surgeons, affordable rates… All the conditions are met.
Thanks to attractive services, hair transplants bring in more than one billion euros to the Turkish economy.
It’s not the bats, it’s Istanbul’s bat tourists. You inevitably come across them in the vicinity of the many hotels and restaurants in the small streets adjacent to Taksim Square. A band of white gauze around the head often replaces their usual scarf. Their skulls are still pitted with blood-red spots, sometimes purplish with a hematoma. The upper part of the face – the eyes included – is more or less swollen. They are distinguished by their dialect in Arabic: Iraqis, Saudis, Moroccans or other. They are between 35 and 55 years old. Most of the time, we see them at tables or walking in the streets with women and children. Because they often come with their families to extend the main purpose of their trip with a tourist stay: the fight against baldness.
Hair transplantation operations attract more than 100,000 men every year, the vast majority from Arab countries, to the shores of the Bosporus. Among them 30,000 Saudis who reportedly made the trip in 2016. Khaled, 36, is one of them. He had followed the example and advice of his older brother and two of his colleagues at a bank in Jeddah, where he lives. “This decision, which I made after a lot of hesitation, is one of the best of my life,” said the Saudi. “I am relieved every day looking at myself in the mirror. Before, the top of my bald head made me at least ten years old. I very rarely went out bareheaded, ”says the one who wore the traditional keffiyeh most often, like most men in the Wahhabi kingdom. Visibly satisfied with the results of the intervention on his hairstyle, he also praises the reception and medical conditions of the Istanbul clinic where he was operated.
On their Arabic page, Turkish hair transplant establishments compete to promote their medical skills. But also the offer of support services to their clients in the Middle East, as well as the postoperative insurance and guarantees they offer. They highlight their long experience, the good results confirmed by the before and after photos, the testimonials of those who “trusted them”.
Three to five day packages sometimes include the hotel. Usually, a welcome at the airport and a driver for the round trips on the day of the operation are also included. Not to mention the control visit twenty-four to forty-eight hours later. The implantation techniques are detailed, illustrated on the websites. Under local anesthesia and with about 20 injections into the skull, it takes between four and seven hours of operation, depending on the extent of the baldness. The follicles are first removed from the hairy areas, often at the back of the head. Then they are implanted on the smooth skull. “The pain is negligible and all it takes is a simple pain reliever for the next two days to not feel it,” they boast in advertising brochures.
The cost ranges from 1,000 to 2,500 euros, depending on the clinic and the size of the operation. “I paid a third of what I was asked to do in Jeddah for the same procedure,” says Khaled. Even counting the travel and the hotel stay, I’m still a winner. ”
The advantageous prices of flights from various Arab cities to Istanbul, added to the fact that most nationals of these countries do not need a visa to enter Turkey, contribute to the unprecedented rise of clinics Turkish. There are almost 400 of them in Istanbul alone.
This minor male surgery, which has become an industry, brings in more than 1 billion euros to the Turkish economy. It also has a ripple effect for other cosmetic procedures. Arab women accompanying their husbands for a hair implantation in Istanbul are increasingly tempted by liposuction of the hips. Or a nose reduction.
|
economics
|
https://powerunited.org/is-the-future-no-money-down-microgrids/
| 2024-04-16T05:13:11 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817043.36/warc/CC-MAIN-20240416031446-20240416061446-00424.warc.gz
| 0.932867 | 459 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__17341613
|
en
|
Solar energy took off when it came up with a way for customers to buy-in with no upfront costs. Will no-money down microgrids capture the same kind of mass market appeal?
Schneider Electric, a major player in the microgrid space, thinks so. The Massachusetts-based company is modeling the approach with a microgrid to be installed at its new 240,000 square-foot North American headquarters near Boston.
“To get to the mass market, you’ve got to make it simple for end users,” said Mark Feasel, vice president of Schneider Electric’s Electric Utility Segment & Smart Grid.
The no-money down microgrid fits in with a growing list of ‘tail winds’ accelerating microgrids that Feasel described in a recent interview with Microgrid Knowledge. Other include the recent, favorable Supreme Court decision for demand response and the extension of the federal tax credit for solar, he said.
No money-down microgrids make a lot of sense in terms of market conditions, according to Feasel. Investors are increasingly willing to back microgrids. But most commercial and industrial (C&I) customers aren’t interested in getting involved in the arbitrage and other financial plays that enhance microgrid economics. Nor do they want to make a large capital outlay unless the return on investment is under three years.
Unsophisticated in energy markets, the typical micogrid customer instead just wants to pay for energy or related services – a cents/kWh charge that’s lower than what the utility charges, or higher but adds benefits the organization seeks, like reliability or sustainability, he said.
It was this sentiment that gave rise to the very popular solar power purchase agreement for C&I customers.
Feasel said that investor attitude has evolved over the last year to pave the way for microgrid PPAs.
“The people with the money are increasingly willing to internalize risk.” In particular, they are becoming more willing to wrap various technologies into the microgrid PPA, such as energy storage and switchgears. So those components are no longer out-of-pocket capital costs for the customer.
|
economics
|
https://calpsc.org/40-epr-principles/
| 2019-03-26T01:04:59 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912204736.6/warc/CC-MAIN-20190325234449-20190326020449-00200.warc.gz
| 0.9443 | 934 |
CC-MAIN-2019-13
|
webtext-fineweb__CC-MAIN-2019-13__0__85654474
|
en
|
PRODUCT STEWARDSHIP AND EXTENDED PRODUCER RESPONSIBILITY: DEFINITIONS AND PRINCIPLES
Reducing Economic, Environmental, Health, and Safety Impacts from Consumer Products
The growing product stewardship movement in the United States seeks to ensure that those who design, manufacture, sell, and use consumer products take responsibility for reducing negative impacts to the economy, environment, public health, and worker safety. These impacts can occur throughout the lifecycle of a product and its packaging and are associated with energy and materials consumption, waste generation, toxic substances, greenhouse gases, and other air and water emissions. In a product stewardship approach, manufacturers that design products and specify packaging have the greatest ability, and therefore greatest responsibility, to reduce these impacts by attempting to incorporate the full lifecycle costs into the cost of doing business.
The terms product stewardship and extended producer responsibility (EPR) are often used differently by stakeholders involved in the product stewardship movement. The purpose of this page is to harmonize terminology in the U.S. and to guide development of policies, legislation, and other initiatives by governments, companies, and other organizations. By speaking the same language, we can have a constructive public discussion.
We use the following definitions for product stewardship and EPR. Since we define EPR as a legislative approach, we believe it requires further clarification and therefore developed the subsequent Principles of Extended Producer Responsibility.
Product Stewardship is the act of minimizing health, safety, environmental and social impacts, and maximizing economic benefits of a product and its packaging throughout all lifecycle stages. The producer of the product has the greatest ability to minimize adverse impacts, but other stakeholders, such as suppliers, retailers, and consumers, also play a role. Stewardship can be either voluntary or required by law.
Extended Producer Responsibility (EPR) is a mandatory type of product stewardship that includes, at a minimum, the requirement that the producer’s responsibility for their product extends to post-consumer management of that product and its packaging. There are two related features of EPR policy: (1) shifting financial and management responsibility, with government oversight, upstream to the producer and away from the public sector; and (2) providing incentives to producers to incorporate environmental considerations into the design of their products and packaging.
PRINCIPLES OF EXTENDED PRODUCER RESPONSIBILITY
The following EPR Principles include key elements that should be included in all EPR legislation. Although these Principles will be applied differently by different jurisdictions, they are aspirational and considered best practice to achieve maximum results.
- Producer Responsibility
- Producers are required to design, manage, and finance programs for end-of-life management of their products and packaging as a condition of sale. These programs may or may not use existing collection and processing infrastructure. Programs should cover all products in a given category, including those from companies no longer in business and from companies that cannot be identified.
- Level Playing Field
- All producers within a particular product category have the same requirements, whether they choose to meet them individually or jointly with other producers.
- Producers have flexibility to design the product management system to meet the performance goals established by government, with minimum government involvement.
- Producer-managed systems must follow the resource conservation hierarchy of reduce, reuse, recycle, and beneficially use, as appropriate.
- Products must be managed in a manner that is protective of human health and the environment.
- Producers design and implement public education programs to ensure achievement of performance goals and standards established by government.
- All consumers have convenient access to collection opportunities without charge.
- Transparency and Accountability
- Government is responsible for ensuring that producer programs are transparent and accountable to the public.
- Producer programs, including their development and the fate of products managed, provide opportunity for input by all stakeholders.
- Roles for Government, Retailers and Consumers
- Government is responsible for ensuring a level playing field for all parties in the product value chain to maintain a competitive marketplace with open access to all, for setting and enforcing performance goals and standards, for supporting industry programs through procurement, and for helping educate the public.
- Retailers only sell brands within a covered product category that are made by producers participating in an industry program, and are responsible for providing information to consumers on how to access the programs.
- Consumers have a responsibility to reduce waste, reuse products, use take-back and other collection programs, and make appropriate purchasing decisions based on available information about product impacts and benefits.
|
economics
|
https://microboard.com/mpi-appoints-bryan-brady-as-vp-of-sales/
| 2024-03-01T09:46:28 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475238.84/warc/CC-MAIN-20240301093751-20240301123751-00225.warc.gz
| 0.954273 | 277 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__42547686
|
en
|
Mr. Bryan Brady has been appointed Vice President of Sales at Microboard Processing, Inc. (Microboard). In this role, Mr. Brady will manage Microboard’s customer relationships, including the development of new revenue sources for the company.
Mr. Brady brings to the role an extensive background in sales and corporate account management, having joined the Microboard team from Avnet, Inc. where he spent almost 30 years in the electronics distribution industry focusing on the defense/aerospace market.
Bryan brings to Microboard 30 years of strategic electronic component and military industry experience, which aligns extremely well as Microboard continually enhances our leading-edge manufacturing strategy with the most advanced equipment, software and employees, serving the world’s most high complexity, high reliability sectors in the defense, aerospace, telecom, medical and industrial sectors,” said Microboard President & CEO Nicole Russo.
Mr. Brady also has experience in proposal development, contract negotiations, asset management, product marketing, and business unit leadership with P/L responsibility. Mr. Brady has served on various industry boards and working groups in the electronics industry. He serves on the Arizona State Board of Education’s Business Marketing Education Advisory Council and is an elected board member of the DECA Foundation. Mr. Brady holds a Bachelor of Arts degree in Economics from UCLA and is married with three children.
|
economics
|
https://danielbaird.ca/gta-real-estate-market-on-pace-for-another-year-of-record-breaking-sales
| 2024-02-22T08:56:19 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473735.7/warc/CC-MAIN-20240222061937-20240222091937-00808.warc.gz
| 0.971067 | 814 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__180232816
|
en
|
GTA real estate market on pace for another year of record-breaking sales
Monday Mar 20th, 2017
Toronto real estate agent Elli Davis just closed a “bully offer” for $300,000 over a $2.65 million listing price, a type of deal she’s making more often in the busiest market she’s seen in nearly 30 years.
The increasingly competitive Greater Toronto Area real estate market is on pace for another year of record-breaking sales and double-digit price growth as buyers bid aggressively for the few houses on the market. Sales in the first quarter of 2016 rose 15.8 per cent from the opening three months of last year, according to the Toronto Real Estate Board.
Davis, a Royal Lepage agent in upscale central Toronto, said a lack of housing supply is pushing more buyers to make hard-to-resist deals days before the seller is slated to accept bids. These are also known as bully offers.
“There were no conditions and the owner said ‘thank you very much, I’ll take it,’” she said of the home that went for $300,000 over asking.
The 10,326 homes sold in March was a 16.2-per-cent increase from the year earlier and accounted for nearly half the 22,575 homes that changed hands in the first quarter.
The average selling price across all housing types in the Greater Toronto Area rose 12.1 per cent year-over-year in March to $688,181.
The market could have experienced even stronger sales growth if it were not constrained by a deficit of new listings, said Jason Mercer, TREB’s director of market analysis.
“That’s why we’re seeing strong increases in selling prices, yet on the other side, if we did see more listings come online, they’d be absorbed in short order because of pent-up demand,” he said.
“I think the first quarter certainly suggests that we could be on track for another record year and likely the only thing that could slow that down is if we continue to see a dip in listings.”
The number of new listings was down compared to the same period last year, meaning there were more buyers competing for fewer homes. The number of homes listed for sale in the first quarter fell to its lowest level for a first quarter in at least 12 years, according to an analysis by National Bank.
A competition among buyers for fewer homes often results in bidding wars that drive prices higher. In March, the average detached GTA home inched closer to the $1 million mark, sitting at $910,375.
Davis said she is astounded at the prices. Nearly half of the 23 agents’ open houses listed for Tuesday in Toronto’s central core were for properties valued between $3.5 million and $16.8 million, she said.
Toronto is a seller’s market, with sales-to-new-listing ratios hovering around 70 per cent — the highest ratio since the 2008-2009 recession, said Robert Kavcic, senior economist at BMO.
He doesn’t see this abating any time soon as strong job and population growth in the GTA will continue to drive demand, while few new detached homes are being built.
“This has been more of a sustained gradual increase in demand and no new supply coming on board, so this is probably going to persist longer than back in 2009.”
Davis said the market is stronger now than it was coming out of the recession, adding she’s the busiest she’s been since 1989.
“We didn’t have a terrible winter, I think that helped, mortgage rates helped, and demand is high and supply is low,” she said.
“All those things together make a busy time.”
Source: Toronto Star
|
economics
|
https://e-modiran.com/product/%D8%A7%D8%B3%D8%AA%D8%B1%D8%A7%D8%AA%DA%98%DB%8C-%D8%A7%D9%82%DB%8C%D8%A7%D9%86%D9%88%D8%B3-%D8%A2%D8%A8%DB%8C/
| 2023-10-03T13:37:35 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511106.1/warc/CC-MAIN-20231003124522-20231003154522-00506.warc.gz
| 0.933929 | 355 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__200068474
|
en
|
Creating uncontested market space. Explanation of Blue Ocean Strategy of W. Chan Kim and Renée Mauborgne.
What is Blue Ocean Strategy? Description
Rather than competing within the confines of the existing industry or trying to steal customers from rivals (Bloody or Red Ocean Strategy) W. Chan Kim and Renée Mauborgne are suggesting Blue Ocean Strategy: developing uncontested market space that makes the competition irrelevant.
According to Kim and Mauborgne in the HBR of October 2004, competing in overcrowded industries is no way to sustain high performance. The real opportunity is: to create blue oceans of uncontested market space.
Competitive Advantage critique
Of course competition is important. But by focusing on competition and competitive advantage, according to Kim and Mauborgne, scholars, companies, and consultants have ignored two very important – and far more lucrative – aspects of strategy:
* To find and develop blue oceans, and
* To exploit and protect blue oceans. These challenges are very different from those to which strategists have devoted most of their attention.
In blue oceans demand is created, rather than fought over. There is ample opportunity for growth that is both profitable and rapid.
Two ways to create blue oceans
1. One is to launch completely new industries, as eBay did with online auctions.
2. It is more common for a blue ocean to be created from within a red ocean when a company expands the boundaries of an existing industry.
Certainly Kim and Mauborgne deserve credits for having made the point of the over-focus on competitive advantage and also for their beautiful metaphor of the two types of oceans.
Book: W. Chan Kim, Renée Mauborgne – Blue Ocean Strategy
|
economics
|
http://www.coffeecaffeine.com/gourmet-coffees/jamaican-blue-mountain/
| 2019-10-14T03:31:35 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986649035.4/warc/CC-MAIN-20191014025508-20191014052508-00445.warc.gz
| 0.969206 | 916 |
CC-MAIN-2019-43
|
webtext-fineweb__CC-MAIN-2019-43__0__43049711
|
en
|
Jamaican Blue Mountain
Sorry out of stock but here is lots of information
Considered by some to be the ultimate coffee. This is a crop of very limited yield grown in the small Blue Mountain range in Jamaica. There are very few farms in Jamaica that are “Certified” to become the Famous Jamaican Blue Mountain Coffee. All the farms, and the coffee produced are all inspected, by the Jamaican Coffee Board, before any coffee is labeled as Certified Blue Mountain. This is done at the end of the processing of the coffee at one of the few certified processing centers.
Jamaican Blue Mountain coffee is highly prized in countries like Japan which buys almost 90% of the coffee crop each year. Established in the 1960’s the Jamaican Coffee Board was formed to oversee the production of Jamaican Coffee and give each it’s label as either being Blue Mountain or what is called High Mountain. The High Mountain coffee is still Jamaican Coffee, it is just not up to the rigorious standards to be considered Blue Mountain Coffee.
There are currently only a few Estates that are considered Certified Blue Mountain. They are the Wallenford Estate located on the North side of the Blue Mountains. There is the Barron Hall Estate is a farm of around 650 Acres of coffee production. There is also the Mavis Bank farms, which comprise a number of various farms all high in the mountians overlooking Kingston.
Kebble Munn is the man behind Jamaican Blue Mountain coffee. Prior to his becoming the Minster of Agriculture and the formation of the Jamaican Coffee Board, coffee production was not up to the standards it is today. His expertise in agriculture, marketing and coffee helped bring Jamaican coffee back up to the standards we see today. It is safe to say that Mr Munn is the man behind the Blue Mountian Coffee we all ennoy today.
Why is Jamaican Blue Mountain Coffee is the most sought after coffee in the world? Looking at the history of Jamaican Blue Mountain Coffee it is quickly understood that the heritage of this unique coffee is as rich and bold as its flavor. The story goes, that in the early 1700’s, King Louis XV of France had some coffee plants that made their way to his colony, Martinique. Along the way on its journey from France to the Caribbean island of Martinique two of the plants perished. The third plant was later given to the former Governor of Jamaica sir Nicholas Lawes as a gift by the Governor of Martinique. The supurb climatic conditions, natural potash and soil rich in nitrogen and phosphorus enabled the Jamaican coffee crop to expand quickly. Soon coffee was being cultivated from Temple Hall in St. Andrew to the Blue Mountains, to St. Elizabeth, Manchester and St. Ann. By the mid 1700’s, coffee exportation began. By the early 1800s there were over 600 coffee plantations on the island.
Not without its share of adversities, the Jamaican Coffee Industry suffered through many hardships. Labor shortages in the early 20th put a massive strain on the cultivation and exportation of the product. The industry also saw total production cessation for two years following land fall of Hurricane Gilbert in the 1990’s. Through all this, the industry continued to provide Jamaican Farmers with an excellent source of income.
In the early days of Jamaican Blue Mountain coffee Canada was the largest importer of the product. Then in the mid 1940’s a decline in quality led the Canadian government to cut off the importation. This was a devastating blow by any measure to the Jamaican farmers and the industry itself. This drastic decision was met with swift and drastic reaction on the part of the Jamaican government which one year later in response, established the CCCH or Central Coffee Clearing House, later to be replaced by the Jamiacan Coffee Board. The branch was setup as a quality control mechanism to grade, clean and inspect all coffee products bound for export. This move raised the standard for Jamaican Coffee. Later in the 1950’s, the Jamaica Coffee Growers established their own system of governance – the CIB or Coffee Industry Board which would pick up where the CCCH left off. This group developed the standards by which Jamaican coffee is grown, harvested, processed and marketed.
Annual production of Jamaican Coffee now stands at approximately 6.6 million pounds. A large percentage is exported to Japan with the balance going to the local, US and UK markets.
|
economics
|
http://abrandyouway.com/program/
| 2019-08-26T07:23:08 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027331228.13/warc/CC-MAIN-20190826064622-20190826090622-00336.warc.gz
| 0.919216 | 250 |
CC-MAIN-2019-35
|
webtext-fineweb__CC-MAIN-2019-35__0__104995021
|
en
|
Are you flying by the seat of your pants not really sure you’re on the right business track? Are you asking yourself, “Do I really have the knowledge and experience to launch or relaunch my existing business to the next level?”
If your answer is, “Yeah, I could use some help.” Then the Business Boost Blueprint strategy will give you a step-by-step pathway to meaningful and profitable results.
After 25+ years of designing programs and building businesses,
I’ve witnessed every single challenge that change agents encounter turning their ideas and content into a thriving business.
That’s what inspired me to create this laser-action strategy plan.
Here are some of the topics we may choose to cover based upon your individual needs: uncovering business growth barriers;
what makes you distinct; creative overwhelment and personal productivity; product profit solutions; and a multiple income stream business model.
The Business Boost Blueprint session is perfect for you…
If you want a dynamic collaboration with a mentorship partner with 25+ years of international business and online experience who will help you translate your uniqueness into income generating signature products and get you on track to create meaningful and profitable results!
|
economics
|
https://promixsrl.com/en/company.html
| 2023-12-02T19:34:39 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100448.65/warc/CC-MAIN-20231202172159-20231202202159-00740.warc.gz
| 0.934284 | 407 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__45070035
|
en
|
Recycled rubber from end-of-life tyres for a circular economy and sustainable growth
Promix is a high-tech company specialized in the coating of PFU rubber granules, created with a great aim: to meet the specific needs of the synthetic grass world by creating a system of production and sustainable development.
We have a plant at the forefront of technology, born from the specific research of the sector, capable of producing high quantities of products and meeting the needs of customers in a timely manner, where 8,000 tonnes of end-of-life tyres are recovered annually and converted into performance rubber infills. Promix is not only high production capacity. Since 2000, we have been engaged in the constant pursuit of environmental performance and strict ecological regulations. The packaging is made in two different variants: the standard bag 1200Kg and the comfortable bag 25kg.
The versatility of rubber born from the recycling of end-of-life tyres allows it to be used in the construction of sports floors in numerous applications such as:
- Flooring for football fields
- Paving for rugby fields
- Pavements for riding
- Track and field
- Flooring for tennis court
- Paving for paddle tennis court
- Floor coverings for playgrounds
- Street furniture
Research, Development and Certifications for the good of the environment and the economy
All production processes are subject to strict quality controls. Laboratory analyses include the control of the grain size of the unfinished product and the finished product and several tests to which the material is subjected: the wear test, the UV test and the resilience test.
The company has been certified according to the UNI EN ISO 9001 standard, relating to the quality management system and the UNI EN ISO 14001 standard, relating to the environmental management system. Our granule from PFU is a product derived from the Ecopneus certified supply chain that guarantees the quality and the high characteristics of the second raw materials resulting from the recovery from PFU.
|
economics
|
https://www.pomeroydairy.com/our-farm
| 2024-04-12T16:49:54 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816045.47/warc/CC-MAIN-20240412163227-20240412193227-00810.warc.gz
| 0.975925 | 240 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__75929385
|
en
|
Pomeroy Dairy is owned and operated by siblings Rachel and Randy, fourth generation farmers. Growing up on the farm, Rachel was the animal lover and Randy was always tinkering with some piece of equipment. After going away to college, we have been fortunate enough to be able to make full-time jobs out of things we enjoyed as kids. Rachel now takes most jobs working with the cows and creamery, while Randy primarily handles field work and equipment.
Our Westfield farm started when L. Ralph Pomeroy purchased the property in the 1930's. He did a little bit of everything with the farm name L.R. Pomeroy & sons, from apples and sweet corn to maple syrup and milking cows. Over the years, he was joined by two of his sons, Lew and Seth, and his grand-son Harlow. Eventually, the farm started to focus on milking cows, shipping milk to Agri-Mark (makers of Cabot cheese).
Today, we still ship the majority of our milk to Cabot. Processing what we can on farm to make the delicious cheese curds, yogurt and cream cheese we sell in our farm store.
|
economics
|
https://www.veganlightchocolatenowhey.com/global-whey-protein-market-2021-2026/
| 2022-08-12T20:35:34 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882571758.42/warc/CC-MAIN-20220812200804-20220812230804-00564.warc.gz
| 0.877563 | 2,307 |
CC-MAIN-2022-33
|
webtext-fineweb__CC-MAIN-2022-33__0__36495331
|
en
|
Dublin, July 12, 2021 (GLOBE NEWSWIRE) – The “Whey Protein (Powder and Concentrate) Market – Global Industry Trends, Share, Size, Growth, Opportunities and Forecast 2021-2026” report was added to ResearchAndMarkets.com offer.
The global whey protein market is expected to show strong growth during the period 2021-2026. Whey makes up almost 20% of the protein content of cow’s milk and is considered beneficial for the human body. It offers many health benefits such as building muscle, promoting fat loss, repairing muscle tissue, reducing stress and inflammation, lowering blood pressure and cholesterol levels. , disease prevention and overall health promotion. Some of the factors that are increasing the demand for whey protein are inflating disposable income, increasing demand from developing markets, and the emerging trend to consume protein drinks. Looking ahead, the publisher expects the global whey protein (powder and concentrate) market to grow at a CAGR of around 9% during the forecast period (2021-2026).
Global Whey Protein Market Drivers:
Due to the increasing prevalence of lifestyle-related diseases and increasing consumer health awareness, people are now joining gyms and fitness centers. As protein supplements are often recommended in these centers, the demand for whey protein is proliferating at a rapid rate.
As whey protein has antibacterial and antihypertensive properties, it finds applications in the food industry to prepare snacks, cereals, chocolates, beverages, infant formula, dairy products and bakery items. With increasing global population and changing eating habits of people, food industry is experiencing robust growth which in turn is catalyzing the growth of whey protein market.
Unlike other dairy products, the shelf life of whey protein is comparatively longer, allowing it to last for months while retaining its original properties. Plus, since whey protein is usually available in powder form, it can be easily transported from one place to another.
Breakdown by product type:
On the basis of type, the market has been segmented into Whey Protein Concentrates, Isolates, and Hydrolysates. Currently, whey protein isolate is the most popular type of product because it is one of the fast absorbing sources of protein that helps build lean muscle.
Breakdown by application:
On the basis of applications, the market has been categorized into food and beverage, nutritional and pharmaceutical products, animal feed applications, and others. Of these, the nutrition and pharmacy segment accounts for the majority of the market share.
Geographically, the European Union occupies a leading position in the world whey protein market. This can be attributed to the growing awareness of the health benefits of whey protein among the population in the region. It is followed by North America, Oceania, Eastern Europe and Latin America.
The global whey protein market is fragmented in nature due to the presence of many small and large manufacturers competing with each other on price and quality. Some of these key players include:
This report provides an in-depth overview of the global Whey Protein industry covering all of its essential aspects. It ranges from macro market overview to micro details of industry performance, recent trends, key market drivers and challenges, SWOT analysis, Porter’s five forces analysis, ‘value chain analysis, etc. The report also provides complete analysis for setting up Whey Protein Manufacturing Plant. The study analyzes processing and manufacturing requirements, project cost, project financing, project economics, expected returns on investment, profit margins, etc. This report is must-read for entrepreneurs, investors, researchers, consultants, business strategists, and anyone with any interest in or planning to make a foray into the whey protein industry in any way. .
Key questions addressed in this report:
How has the global whey protein market performed so far and how will it perform in the years to come?
What are the key regional markets in the Global Whey Protein Market?
What has been the impact of COVID-19 on the global whey protein market?
What are the main application segments in the global whey protein market?
What are the major types of products in the global whey protein market?
What are the price trends for whey protein?
What are the different stages in the global whey protein industry value chain?
What are the major drivers and challenges for the global Whey Protein Industry?
What is the structure of the global whey protein market and who are the major players?
How competitive is the global whey protein market?
What are the profit margins in the global whey protein market?
What are the key requirements for setting up a whey protein manufacturing plant?
How is whey protein made?
What are the different unit operations involved in a whey protein manufacturing plant?
What is the total area of ââland required for the establishment of a whey protein manufacturing plant?
What are the machinery requirements for setting up a whey protein manufacturing plant?
What are the raw material requirements for setting up a whey protein manufacturing plant?
What are the packaging requirements for whey protein?
What are the transport requirements for whey protein?
What are the utility requirements for setting up a whey protein manufacturing plant?
What are the labor requirements to set up a whey protein manufacturing plant?
What are the infrastructure costs for setting up a whey protein manufacturing plant?
What are the investment costs for setting up a whey protein manufacturing plant?
What are the operating costs for setting up a whey protein manufacturing plant?
What will be the income and expenses of a whey protein manufacturing plant?
How long does it take to break even?
Main topics covered:
2 Scope and methodology
3 Executive summary
4.2 Key Industry Trends
5 Global Whey Protein Industry
5.1 Market overview
5.2 Market performance
5.2.1 Volume trends
5.2.2 Value trends
5.3 Impact of COVID-19
5.4 Price analysis
5.4.1 Key price indicators
5.4.2 Price structure
5.4.3 Price trends
5.5 Market breakdown by type
5.6 Market Split by Application
5.7 Market breakdown by region
5.8 Market Forecast
5.9 SWOT analysis
5.10 Value chain analysis
5.10.1 Raw material supply
5.10.6 End use
5.11 Porter’s five forces analysis
5.11.2 Bargaining power of buyers
5.11.3 Bargaining power of suppliers
5.11.4 Degree of competition
5.11.5 Threat of new entrants
5.11.6 Threat of Substitutes
5.12 Key success factors and risk factors
6 Market breakdown by type
6.1 Whey protein concentrate
6.1.1 Market trends
6.1.2 Market Forecast
6.2 Whey protein isolate
6.2.1 Market trends
6.2.2 Market Forecast
6.3 Whey protein hydrolysates
6.3.1 Market trends
6.3.2 Market Forecast
7 Market split by application
7.1 Food and drinks
7.1.1 Market trends
7.1.2 Market Forecast
7.2 Nutritional products and pharmaceuticals
7.2.1 Market trends
7.2.2 Market Forecast
7.3 Feeding demands
7.3.1 Market trends
7.3.2 Market Forecast
7.4.1 Market trends
7.4.2 Market Forecast
8 Market breakdown by region
8.1 European Union
8.1.1 Market trends
8.1.2 Market Forecast
8.2 North America
8.2.1 Market trends
8.2.2 Market Forecast
8.3.1 Market trends
8.3.2 Market Forecast
8.4 Eastern Europe
8.4.1 Market trends
8.4.2 Market Forecast
8.5 Latin America
8.5.1 Market trends
8.5.2 Market Forecast
8.6.1 Market trends
8.6.2 Market Forecast
9 Competitive landscape
9.1 Market structure
9.2 Key players
10 Whey Protein Manufacturing Process
10.1 Product overview
10.2 Detailed process flow
10.3 Different types of unit operations involved
10.4 Mass balance and raw material requirements
11 Project details, requirements and costs involved
11.1 Land requirements and expenditures
11.2 Construction needs and expenses
11.3 Plant machinery
11.4 Photos of machines
11.5 Raw material requirements and expenditure
11.6 Images of raw materials and finished products
11.7 Packaging requirements and expenses
11.8 Transportation needs and expenses
11.9 Public service needs and expenditures
11.10 Labor requirements and expenses
11.11 Other capital investments
12 Loans and financial assistance
13 Project economics
13.1 Capital cost of the project
13.2 Technical and economic parameters
13.3 Product prices and margins at different levels of the supply chain
13.4 Taxation and depreciation
13.5 Revenue projections
13.6 Expenditure projections
13.7 Financial analysis
13.8 Profit analysis
14 key player profiles
14.1 Arla Foods
14.2 Agropur inc.
14.3 Hilmar Cheese Company, Inc.
14.4 Glanbia Plc
14.5 Kerry Group Plc
14.6 Global dairy specialties
14.7 Leprino Food Company
14.9 Grande Fromagerie
14.10 Lactalis Group
For more information on this report, visit https://www.researchandmarkets.com/r/kfl7ps
CONTACT: CONTACT: ResearchAndMarkets.com Laura Wood, Senior Press Manager [email protected] For E.S.T Office Hours Call 1-917-300-0470 For U.S./CAN Toll Free Call 1-800-526-8630 For GMT Office Hours Call +353-1-416-8900
|
economics
|
http://www.biyn-web-designer.com/biyn_ebusiness.php
| 2013-06-19T16:45:39 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368708882773/warc/CC-MAIN-20130516125442-00059-ip-10-60-113-184.ec2.internal.warc.gz
| 0.941672 | 661 |
CC-MAIN-2013-20
|
webtext-fineweb__CC-MAIN-2013-20__0__81612853
|
en
|
What is E-Business?
E-business (electronic business) is a term used to describe businesses run on the Internet, or the utilization of Internet technologies to improve the productivity or profitability of a business. E-business is the conducting of business on the Internet, not only buying and selling, but also servicing customers and collaborating with business partners.
Today, major corporations are rethinking their businesses in terms of the Internet and its new culture and capabilities. Companies are using the Web to conduct sophisticated business transactions such as buying parts and supplies from other companies, collaborating on sales promotions, and carrying out joint research. By exploiting the convenience, availability, and worldwide reach of the Internet, many companies have already discovered how to use the Internet successfully to grow their business.
Is E-Business for Your Business Type?
The reason most companies are getting into e-business is because they are looking for ways to: lower costs, improve efficiency and productivity, and work more efficiently, cheaply, quickly and profitably.
If this sounds attractive to you, then you might want to consider implementing e-business strategies in the day-to-day operation of your business. In order to do so, you will need to answer some basic questions, such as: What will the final cost be? Will fail-safe security measures be ensured? What technical expertise will be required? And, finally, will my return on investment (ROI) in making the move to e-business be worthwhile? These are all relevant questions and/or concerns that must be addressed before a move to e-business should be undertaken. Biyn has answers to these questions and the expertise to provide the solutions that will best serve all your e-business needs.
Biyn can implement customized BI solution for any company of any size. BI (Business Intelligence) solutions refer to technologies, applications, and practices for the collection, integration, analysis, and presentation of business information and optimization of business processes.
Biyn can implement
- Relationship Management Systems (RMS)
- Customer Relationship Management Systems (CRMS)
- Content Management System (CMS)
- Enterprise Content Management (ECM)
- Intranet, Extranet & Member web portals
- Systems Integration
Doing Business Better and Smarter
E-business could be said to be the natural extension of progressive business. It enables you to find better ways to do things so you can build your business. E-business can also lead to a re-assessment and re-alignment of your entire business model. You might be feeling the pressure to improve productivity and to reduce or hold the line on costs in very competitive environments. Or you might be dissatisfied with your rate of growth. Whatever the reason, many companies are looking to re-evaluate how they do business. These pressures are pushing on-line business applications and evolving technologies, which in turn help companies re-engineer their core business processes.
To Answer Your Question
"Is E-business right for your business type?" is not really the right question. Instead, it should be: "How can I use E-business to address my challenges and find growth opportunities?" Now for answer to that question contact us and you will be glad you did.
|
economics
|
https://www.socialbulldog.com/insight/social-bulldogs-newsletter-shopify-q4-earnings-recap/
| 2024-02-22T00:27:37 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473598.4/warc/CC-MAIN-20240221234056-20240222024056-00416.warc.gz
| 0.978236 | 523 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__10976436
|
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|
On Wednesday morning, Shopify announced 2021 Earnings. We always pay close attention to Shopify announcements, as their ebbs and flows tend to be indicators of how the ecommerce industry is doing as a whole. Although some announcements during the call caused Shopify’s stock to tumble, there were a few tidbits Social Bulldog found exciting.
To begin, Shopify expressed the belief that embedding commerce into apps is going to be absolutely critical, with sales from social channels expected to double by 2025. This has been reflected over the past few years, as they’ve worked with Meta to build out Instagram Shops and other features. Shopify discussed their recent introduction of TikTok Shopping, where creators can tag products that land on their TikTok Shop. More than 100,000 merchant creators have installed the TikTok Shopping channel to date.
Perhaps the most exciting news to come out of the earnings call was their announcement of Shopify’s very own fulfillment network. We were nodding along as they said, “Fulfillment is only something that you think about when it’s not going well.” They are building a U.S. distribution network to store and ship products for their merchant customers. This investment will require huge capex dollars, which is a large reason why stock prices dipped post-call.
Shopify hit record revenues in 2021. Their great numbers were a bit overshadowed by the fact that revenue growth decelerated for the third straight quarter in Q4. Their total revenue for the year was up 57% from 2021 at $4,611.9 million (and up 192% from 2019!).
As for 2022, year-over-year revenue growth will be lower in the first quarter of 2022 and highest in the fourth quarter of 2022. Shopify warned that revenue growth will slow as COVID-19 restrictions continue to ease up and customers return to brick and mortar. They set expectations as they described a timeline that many businesses experienced in the past few years. One where COVID triggered a large acceleration in 2020 that continued into mid 2021. That acceleration has now decelerated and is continuing to do so.
The earnings call had mixed reviews depending on the listener. For investors, there were red flags as revenue growth slows and expenses increase. For ecommerce businesses, there was excitement for the developments to come, as well as validation that the past three years have been an absolute rollercoaster. We personally can’t wait for that two-day fulfillment network and continued improvements to ecommerce in social channels.
|
economics
|
http://505vr.com/en/Reference/Knauf-Insulation-Slovenia-
| 2018-11-21T03:35:52 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039747024.85/warc/CC-MAIN-20181121032129-20181121054129-00400.warc.gz
| 0.953809 | 203 |
CC-MAIN-2018-47
|
webtext-fineweb__CC-MAIN-2018-47__0__117477426
|
en
|
Knauf Insulation was registered in Slovenia in 2007, after the family company Knauf took over the Škofja Loka stone wool insulation producer in 2006 in the process of expanding its isolation division. This has preserved the 60-year tradition of the largest producer of insulating materials in Slovenia. Knauf Insulation has a concentration of knowledge, experience and highly skilled personnel. With over 380 employees in the Knauf Insulation Group, the company produces over 100,000 tons of stone wool insulation annually. The company has the largest production plant in the group and the first with the new advanced technology, which replaces environmentally unfriendly coke with cleaner gas fuels. Knauf Insulation does not apply advanced and innovative approaches only to production processes, they are also a step ahead when it comes to marketing. Here, we offered our knowledge and experience. We created a mobile VR application, which enables Knauf Insulation to present its products in a completely new and unique way.
|
economics
|
https://bosmansclub.co.za/about-us/
| 2020-09-21T03:31:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400198887.3/warc/CC-MAIN-20200921014923-20200921044923-00290.warc.gz
| 0.941575 | 175 |
CC-MAIN-2020-40
|
webtext-fineweb__CC-MAIN-2020-40__0__225812194
|
en
|
S1 Vertical in partnership with VertiKal Developments is a dynamic and focused real estate investment, development and services company.
Our Primary Focus
Our primary focus is sourcing, packaging, investing and delivering high quality buildings which enhances living and business environments in their specific property segments. We are passionate about regional economic development through property investment and sustainable projects.
We recognise, value and uphold the intrinsic importance of people as our product end-users and as such integrate our decades of experience, best practice design and urban planning principles into all development from early planning to final delivery. This results in delivering sustainable, class-leading quality real estate assets where people and businesses can enjoy, grow and flourish.
Our Track Record
With over 18 years in the property investment and development segment we have successfully managed and delivered residential, commercial, hospitality, retail and industrial property developments during this period.
|
economics
|
https://ads.uniondigital.uk/blog/town-centre-living-more-homes-heart-great-places-report
| 2024-04-16T04:04:39 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817043.36/warc/CC-MAIN-20240416031446-20240416061446-00391.warc.gz
| 0.942975 | 1,078 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__96182433
|
en
|
(March 2023) A new report looks at the benefits and barriers to town centre living, some examples of good practice and what we can do to make more of it happen in Scotland.
A report on town centre living has been published, led by Scottish Futures Trust, with input from the Scottish Land Commission and Architecture and Design Scotland. The work was steered by a wider group of organisations with interests in town centre regeneration and housing.
The report follows the release of the Scottish Government’s Town Centre Action Plan Review late last year which outlined moves to encourage more people to live in town centres.
Town centre living is a key policy aspiration for the Scottish Government, local authorities and a wide range of other public, private and third sector bodies. It builds upon strong foundations of strategic place planning and supports key principles around inclusion, wellbeing and sustainability.
Sustainable town centres
The report presents the findings of a Short Life Working Group, formed in August 2022 to investigate the issues with, and opportunities for, the delivery of more town centre housing.
It highlights the benefits of bringing more housing and people into our town centres to help support the creation of strong and sustainable places and key policy aims around:
- active travel
- affordable and independent living
- walkable neighbourhoods
- the wellbeing economy
- net zero
- the re-use of existing built assets
Town centre living can underpin the resilience of many of Scotland’s places, but it needs to be done in a way that delivers the right homes, in the right places, for the right reasons.
The most attractive towns – from a town centre living perspective – are those that offer good physical environments and green spaces in safe and attractive places with good transport and other services, and a mix of housing choices.
This approach supports the Scottish Government’s ambitions for 20-minute neighbourhoods, where people can meet their needs within a 20-minute walk from their house - enabling people to live better, healthier lives and supporting net zero ambitions, and aligns with many of the principles set out in our work on carbon conscious places.
Learning from town centre living projects in Scotland
The report includes a number of examples of successful town centre living projects that have, or are being, delivered across Scotland, and that have broad applicability and an approach that could, at least in part, be replicated elsewhere.
Projects like Midsteeple Quarter in Dumfries, which involved the redevelopment of a full town centre block to create a new mixed-use neighbourhood in existing and new buildings for residential (c. 60 flats), commercial and community spaces. The development is being led by a community benefit society with funding from a cocktail of public/ private/ philanthropic investments.
Abbey Quarter in Paisley where c. 150 new build homes are being delivered in a development that has preserved, reused and revitalised a prominent listed building at the heart of the town centre.
And recently completed housing at Primrose Street in Alloa, which involved the redevelopment of a long-term vacant site to enable delivery of new town centre living housing designed for elderly tenants who want a better option for independent living. There the town centre location was a key priority to maintain access for residents to services and public transport.
The report includes examples of successful town centre living projects in Scotland such as the award-winning Primrose Street development in Alloa, which meets the needs of an ageing population and provides positive impact on the surrounding area.
Town centre living projects like these can deliver substantial benefits to our towns and town centres, helping to create active and attractive places and delivering wellbeing. With less reliance on private car transport, for example, these wider benefits might include better physical and mental health for residents due to increased levels of walking.
The caring place work suggests important issues to consider for our towns and town centres to address ageing in place - including care and housing provision, sustainability and transport to amenities, and accessibility - as part of a person-centred, whole-place approach in line with the Place Principle.
Building on this work, and our work on carbon conscious places, we provided support to Clackmannanshire Council working with Scottish Futures Trust and the Alva community on the Alva Pathfinder project.
The pilot project tested the role of collaboration in providing a ‘whole place’ brief and a catalyst for town centre regeneration, turning a housing initiative into a multi-faceted community project linked to a series of subtle stitching and repair projects across Alva town centre.
The report makes a number of recommendations for continuation of the work of the Town Centre Living Working Group. In the immediate term there is an opportunity to support project officers (from public and private sectors) to take a collaborative whole place approach to the development and delivery of town centre living to help build skills and expertise, and develop an evidence base for town centre living.
How we can help
Architecture and Design Scotland champion’s a whole place collaborative approach by working with local authorities, design teams, communities and key stakeholders. We provide design advice on projects across a variety of scales and typologies, including town centres and housing. If you would like to explore how we can help, please get in touch with us.
|
economics
|
http://www.ipn.uni-kiel.de/en/the-ipn/archive/energy-transition-conference-in-berlin
| 2017-04-26T02:15:01 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121121.5/warc/CC-MAIN-20170423031201-00424-ip-10-145-167-34.ec2.internal.warc.gz
| 0.830221 | 450 |
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|
webtext-fineweb__CC-MAIN-2017-17__0__111507344
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en
|
Registration now open for the Annual Energy Transition Conference in Berlin
On June 30th, 2016, the interdisciplinary annual conference of the Leibniz Research Association on Energy Transition will take place between 10:00 – 18:00 in the Social Science Center in Berlin. (Wissenschaftszentrum Berlin für Sozialforschung, Reichpietschufer 50)
The IPN, as a member of the Energy Transition group, will also be actively contributing to this group of topics.
Between the priorities of centralized and decentralized structures, decisive questions relating to a reorientation of the German Energy system are currently being posed. This is equally valid for issues focusing on market design such as the reframing of special contexts and the handling of distribution issues. Which functional connections are meaningful for different energy markets? Which actors are or are not integrated in these markets? Which scopes of action and local identities could arise or be minimalized as a result of decentralization? What seems meaningful from an economical or technologically feasible perspective can run contrary (and vice versa) to issues such as spatial development or social cohesion.
The conference will explore challenges which arise in practice between the poles of central and decentral structures. Moreover, possibilities to encounter these challenges from a technological, political, regulatory and civic perspective will be discussed. Four sessions will be dedicated to the following topics:
A: Coordination through (de-) centralised markets?
B: Social splitting as a result of (de-) centralisation?
C: Which role does power-to-X play in (de-) centralised energy systems?
D: New spaces and transformed use of land in (de-) centralised energy systems?
In a concluding panel discussion, the following guests will discuss the conference topic:
Dr Patrick Graichen, MD, Agora Energiewende
Dr René Mono, CEO, Bündnis BürgerEnergie e.V.
Dr Dr Tobias Paulun, Board member of the European Energy Exchange (EEX) AG (requested)
Dr Oliver Weinmann, Head of innovation Management, Vattenfall Europe AG (requested)
Programme (German only):
|
economics
|
https://storyprima.io/docs/currently-incubated-projects/
| 2023-12-05T01:48:40 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100540.62/warc/CC-MAIN-20231205010358-20231205040358-00259.warc.gz
| 0.939338 | 333 |
CC-MAIN-2023-50
|
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|
en
|
A major goal of StoryPrima DAO is to incubate story-focused NFT projects.
The project application and selection process has not yet been developed, but holders of the PRIMA governance token will have the right to approve projects for incubation.
StoryPrima DAO will benefit from the success of incubated projects via royalty or revenue shares from supported initiatives. PRIMA holders can also vote to sell NFTs of incubated projects held in the DAO Treasury for additional revenue.
A portion of revenues generated by the DAO will be used to periodically buy and burn PRIMA. The PRIMA buy and burn criteria and schedule will be developed in the future and ratified by PRIMA governance token holders before implementation.
Currently-incubated NFT Projects #
Legends of Cypher #
Legends of Cypher is a multimedia project that tells the story of a future human civilization fighting for individual freedom. On one side is Hash and his “gift”, a technology that can free humanity from bondage. Malarian, a high-ranking agent of the inter-planetary Centopoly empire, will stop at nothing to prevent Hash and his allies from giving humanity its freedom.
The story will be presented in a series of comics that will be released across multiple “seasons.” Fans will be able to collect artifacts from the Legends of Cypher universe via NFTs, short stories, films, music, and art across a variety of mediums.
Team: Legends of Cypher is a NFT project developed by the StoryPrima DAO founding team.
|
economics
|
https://www.artpharmacy.co/blog/art-pharmacy-selected-as-a-venture-atlanta-2023-presenting-company
| 2024-04-14T11:35:21 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816879.25/warc/CC-MAIN-20240414095752-20240414125752-00313.warc.gz
| 0.904932 | 746 |
CC-MAIN-2024-18
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en
|
ATLANTA – Aug. 30, 2023 – Art Pharmacy, a healthcare social prescribing solution, announced today that it has been chosen out of a record-breaking 550 applicants as one of the top technology companies in the Southeast to present at Venture Atlanta 2023 from Sept. 27-28 at The Woodruff Arts Center and Atlanta Symphony Hall.
The 16th annual conference selects the most promising tech companies to pitch to the top investment firms across the nation.
“Art Pharmacy is honored to be selected to participate in Venture Atlanta and educate its impressive roster on the emerging social prescribing movement,” said Art Pharmacy Founder and CEO Chris Appleton. “The healthcare industry is ever-evolving, and our team is leading the charge with this solution that payors, health systems and providers can implement to improve behavioral and mental health outcomes through engagement with arts and culture activities.”
Art Pharmacy’s proprietary smart-matching technology considers clinical needs, patient preferences and decades of research to address the shortage of mental health providers and improve patient health. The company integrates into the care continuum by incorporating an assessment along with patient monitoring and adherence programs. Art Pharmacy remains committed to reducing the operational and cost burden for payers and providers.
“Venture Atlanta 2023 continues to bring attendees all the events they love, including informative panels, big-name keynotes, and networking opportunities,” said Venture Atlanta CEO Allyson Eman. “This year, we’ve also reimagined our schedule to give more stage time to promising tech companies and centered even more of our programming around fostering connections.”
Venture Atlanta has helped launch more than 760 companies and raise $7.5 billion in funding to date, spinning out $17 billion in successful exits. Venture Atlanta boasts a roster of highly successful alumni, including Bitcoin Depot, CallRail, Car360, Clearleap, Flock Safety, Florence Healthcare, Kabbage, ParkMobile, Pindrop Security, Salesforce Pardot, Salesloft, SingleOps, Stax, and Terminus.
To learn more about Art Pharmacy, visit www.artpharmacy.co. For additional information about Venture Atlanta, to register for the event, or to view the conference schedule, please visit www.ventureatlanta.org.
About Venture Atlanta
Venture Atlanta, the Southeast’s technology innovation event, is where the region’s most promising tech companies meet the country's top-tier investors. As the Southeast's largest investor showcase helping launch more than 760 companies and raise $7.5 billion in funding to date, the event connects the region’s top entrepreneurs with local and national investors and others in the technology ecosystem who can help them raise the capital they need to grow their businesses. The annual nonprofit event is a collaboration of the Atlanta CEO Council, Metro Atlanta Chamber, and the Technology Association of Georgia (TAG). For more information, visit www.ventureatlanta.org. For updates, follow us on Twitter and LinkedIn, and visit our blog.
About Art Pharmacy
Art Pharmacy’s proprietary smart-matching technology considers clinical needs, patient preferences and decades of research to address the shortage of mental health providers while improving patient health. Art Pharmacy offers a closed-loop referral system, care plan integration, and outcomes monitoring. Art Pharmacy remains committed to reducing the operational and cost burden for payors and providers. To learn more about Art Pharmacy, visit www.artpharmacy.co.
# # #
Receive updates on the latest developments at Art Pharmacy and our research.
|
economics
|
http://destination-africa.org/the_conference
| 2018-02-23T04:09:40 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891814393.4/warc/CC-MAIN-20180223035527-20180223055527-00121.warc.gz
| 0.937093 | 292 |
CC-MAIN-2018-09
|
webtext-fineweb__CC-MAIN-2018-09__0__22453806
|
en
|
Destination Africa is a one of a kind, major, international and specialized B2B sourcing event for the textile industries in Africa capitalizing on the growing global trend to have Africa as a sourcing destination and showcasing the diversity and opportunities Africa is offering. The event promotes African made apparel, home textiles and textiles to the international and African markets. It also enhances the regional trade activities between the different African countries, capitalizing on tariff advantages and location. The event’s first edition took place on the 11th and the 12th of November 2016, at the Nile Ritz Carlton Hotel – Cairo, Egypt, with 77 manufacturers from 11 African countries that exhibited their products to 127 international buyers from major USA and EU companies.
For its second edition, Destination Africa 2017 B2B as well as the international Conference will be held at the Nile Ritz Carlton Hotel in Cairo – Egypt, on the 11th and 12th of November 2017. The 2-day event consists of 3 simultaneous activities: a regional exhibition with African country pavilions; an international conference and seminar; and last but not least networking functions. This year’s edition of Destination Africa includes 100 manufactures from 15 African countries (eg. Egypt, South Africa, Lesotho, Tunis, Morocco, Zimbabwe, Kenya, Tanzania, …etc) specialized in ready-made garments, home textiles, yarn & fabrics over a space of more than 1,000 square meters.
|
economics
|
https://mobilityportal.es/octopus-charging-network-ireland/
| 2024-04-16T01:33:24 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817036.4/warc/CC-MAIN-20240416000407-20240416030407-00863.warc.gz
| 0.941105 | 431 |
CC-MAIN-2024-18
|
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|
en
|
Weev, the Belfast-based startup on a mission to bring better charging to Northern Ireland, has received a funding boost.
Octopus Investments, part of the Octopus Energy Group, is investing up to £50 million and says the capital was to address the shortage of charging infrastructure in Northern Ireland.
In its funding announcement, Octopus states EV drivers in Northern Ireland were “disproportionately underserved” in charging infrastructure. According to the British Department for Transport, the region had only 20 public charge points per 100,000 people, substantially lower than the UK average (60).
These findings were also what made Weev come out in April 2022.
The startup at the time was planning to invest £20 million in a new privately-operated public charging network with 1,500 charge points at over 350 locations across Northern Ireland.
Today, Philip Rainey, CEO of Weev, added that the investment from Octopus enabled a “major expansion to the size and scope of the rollout we announced at launch last year. We can now increase our focus on providing more rapid and ultra-rapid charging hubs in response to growing demand from EV drivers. In total, the capital will enable us to install and maintain a network of thousands of EV charging points over the next five years using locally-based teams and expertise.”
Initial plans saw Weev roll out six fast charging hubs.
The company has yet to detail new targets with fresh capital.
This will be the first investment for Octopus Sustainable Infrastructure Fund (OSIF), a strategy with cornerstone investment from the UK Infrastructure Bank. OSIF will provide growth capital to the next generation of infrastructure companies with proven technology and transformative potential critical to meeting the scale of the UK’s net zero ambitions, so Octopus.
At Octopus, Lukasz Michalak, Investment Director, Sustainable Infrastructure, called Weev the perfect example of companies doing just that.
“By backing Weev, we see a great opportunity to deliver a positive impact to Northern Ireland’s communities while meeting the financial objectives of the fund.”
|
economics
|
https://auntiejellysevents.com/2022/11/23/mortgage-rates-drop-natwest-cuts-interest-by-up-to-0-6/
| 2022-11-30T00:00:58 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710712.51/warc/CC-MAIN-20221129232448-20221130022448-00797.warc.gz
| 0.966904 | 1,198 |
CC-MAIN-2022-49
|
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|
en
|
More Lenders Lower Mortgage Rates: Natwest Cuts Interest by Up to 0.6% on Some Transactions as Borrowing Costs for Homeowners Continue to Fall
- Natwest is now offering a 5-year fixed deal for 5.38% down from 5.98%
- Lenders including HSBC and Virgin Money have also been cutting rates.
- The cost of borrowing has fallen since Liz Truss stepped down and gilt yields have fallen
Natwest and Darlington Building Society are the latest lenders to update their mortgage rates, with Natwest cutting prices by as much as 0.6 percent.
Major lenders are starting to cut mortgage rates, after the mini-budget pushed them up and added hundreds of pounds to some homeowners’ bills.
Earlier in the week, HSBC and Virgin Money changed the price of products, lowering the cost of borrowing.
For existing customers, Natwest has reduced the price of its 25 percent deposit, five-year fixed rate agreement by 0.6 percent, from 5.98 percent to 5.38 percent.
Concerns: Rising borrowing costs have raised fears of a foreclosure crisis, as those with fixed-term agreements have to re-mortgage
The same product for borrowers with a 40 percent deposit has also been reduced by 0.6 percent, from 6.20 percent to 5.60 percent.
On a £200,000 mortgage, the rate reduction would save borrowers over 25 years £73 per month or £876 per year.
The bank has also lowered several of its rates on two-year fixed deals. For a 40 percent deposit deal, they fell 0.43 percent to 5.66 percent from 6.09 percent.
The drop means the product is now £53 cheaper per month or £636 less per year on a £200,000 mortgage taken out over 25 years.
Darlington Building Society has also re-entered the fixed rate market with products for new and existing customers.
The building society offers a five-year fixed rate of 6.09 per cent for those with 10 per cent deposits, costing £1,105 per month for a £170,000 mortgage.
Existing customers can get a two-year fixed rate of 6.04 per cent with a 40 per cent deposit, which costs £776.09 per month with a £120.00 mortgage.
Chris Brown, Director of Product and Marketing at Darlington Building Society, said: ‘The Darlington Building Society is redoubling its commitment to the mortgage market by reintroducing fixed rate mortgages, after remaining on the market with a range of variable rate options.
“We know that this is a difficult time for buyers right now, and we hope that bringing our fixed-rate mortgages back to the market provides peace of mind and additional options for those looking to buy their own home or re-mortgage with the Society.
“On top of this, all of our borrowers who apply for a mortgage continue to be considered by a person, not a computer.”
The average two-year fixed rate across all deposit sizes is now 6.48 percent, down from 6.65 percent last week, according to Moneyfacts.
The average for a five-year fix also fell to 6.34 percent from 6.43 percent in just a few days.
Earlier in the week, Accord confirmed that it was cutting 5 percent deposit product rates by as much as 0.52 percent, and 10 percent deposit product rates by as much as 0.53 percent.
The slightly higher deposit products of 15 percent and 25 percent will be reduced by as much as 0.35 percent.
The lender also launched a ten-year term product.
What to do if you need a mortgage
Borrowers who need to find a mortgage because their current fixed-rate agreement is coming to an end, or because they have agreed to purchase a home, have been urged to act but not panic..
Banks and building societies continue to lend and mortgages are still being offered and applications accepted.
However, rates are changing rapidly and there is no guarantee that the deals will last and not be replaced by mortgages that charge higher rates.
This is the best Money Mortgage Rate Calculator powered by L&C that can show you offers that match the value of your mortgage and property
What if I need to re-mortgage?
Borrowers should shop around and talk to a mortgage broker and be prepared to act to secure a rate.
Anyone with a fixed-rate agreement ending within the next six to nine months should consider how much it would cost to remortgage now and consider closing a new agreement.
Most mortgage deals allow fees to be added to the loan and are then only charged when you withdraw. By doing this, borrowers can lock in a rate without paying expensive setup fees.
What if I am buying a house?
Those with agreed home purchases should also aim to lock in rates as soon as possible, so they know exactly what their monthly payments will be.
Homebuyers should be careful not to overstretch themselves and be prepared for the possibility of house prices falling from their current high levels, due to higher mortgage rates limiting people’s borrowing capacity.
How to Compare Mortgage Costs
The best way to compare mortgage costs and find the deal that’s right for you is to talk to a good broker.
You can use our best mortgage rate calculator to display offers that match your home value, mortgage size, term, and fixed rate needs.
Keep in mind, however, that rates can change quickly, so the advice is if you need a mortgage, compare rates and then speak to a broker as soon as possible, so they can help you find the right mortgage for you. .
> Consult the best fixed-rate mortgages that you could apply for
|
economics
|
http://kifirstnation.blogspot.com/
| 2019-01-20T10:31:24 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583705737.21/warc/CC-MAIN-20190120102853-20190120124853-00114.warc.gz
| 0.959095 | 2,575 |
CC-MAIN-2019-04
|
webtext-fineweb__CC-MAIN-2019-04__0__24266586
|
en
|
In Parts of Canada, Landowners Battle Prospectors
By IAN AUSTEN
2 September 2008
The New York Times
Late Edition - Final
Copyright 2008 The New York Times Company. All Rights Reserved.
SOUTH FRONTENAC, Ontario -- When Peter Griesbach discovered someone had
chopped down trees at his weekend house to make crude posts staking out
a mining claim, he assumed he could rid his land of the uninvited
prospector relatively quickly. He was wrong.
Indeed, seven years later Mr. Griesbach is still campaigning to change
the provincial law that allows anyone who pays the equivalent of $23.50
to dig for pretty much any mineral on private property in much of rural
Historically high mineral prices have set off a new wave of prospecting
in Canada, and with it new battles over mineral laws, some of which
date to the 19th century. Under the so-called free entry system,
effective in much of Ontario, prospectors and miners have had
relatively unfettered access to private land in many areas.
Now, after decades of promises to modify the law from successive
governments, Mr. Griesbach and other landowners may finally find some
measure of relief.
After a highly publicized clash between an Indian tribe and a mining
company this year, which led to the jailing of one native leader,
Ontario's government said it would alter the law by December. But
change is so controversial that even the broad details of any
modification will not be worked out for some time.
British Columbia has had a rise in conflicts between landowners and
prospectors, too, as it experiences a similar mining boom despite
recent legal reforms in that province that have made it harder to
invade private land.
But the controversy has been most intense in Ontario, where it has also
led to increased divisions along economic, regional and class lines.
Many owners of homes and ''cottages,'' as weekend or vacation homes are
known here, as well as farmers and ranchers in southeastern Ontario,
where Mr. Griesbach has his cottage, are not keen to have their trees
chopped down, land dynamited and soil turned over.
But in the vast, and relatively unpopulated, northern part of the
province (where summer homes are usually called ''camps''), many
residents see increased mining as one of the few ways to avoid economic
ruin from the collapse of the pulp and paper industry there. Anything
with the potential to curb mining's expansion will meet with
significant opposition in that region.
Still, even some mining companies have started to feel a bit
embarrassed by the controversy. ''There's a recognition from our
members that private property owners deserve more rights than exist
under the current act,'' said Chris Hodgson, president of the Ontario
Mining Association, which represents large mining companies. ''I have a
lot of empathy for a cottage owner that's discovered someone staking
The large mining companies represented by Mr. Hodgson, a former mines
minister, do conduct some exploration work. But most prospecting and
nearly all land conflicts involve small prospectors working on their
own or for tiny mining companies. In Ontario, anyone can become a
prospector provided they are at least 18 years old and have 25 Canadian
dollars, plus tax, to acquire a license.
''Claim staking is actually a pretty lucrative way of putting money
into your pocket,'' said Garry Clark, the executive director of the
Ontario Prospectors Association. But most people in the industry
acknowledge that the chances of any particular claim becoming a mine
The promise of becoming rich through a mining discovery is enough for
prospectors, or their clients, to raise money through Canada's venture
markets or private investments, even though such efforts usually end in
disappointment. ''The odds are really against people,'' Mr. Clark said
from his office in Thunder Bay, Ontario, the largest city in the north.
''All we do is take money, not all of it our own, and then we gamble it
on one in 10,000 prospects.''
There are about 5,000 licensed prospectors in Ontario, but Mr. Clark
estimates that only 2,000 people actively engage in the business, and
many spend some of their time plying other trades, such as trapping or
The one in 10,000 odds apply to staked claims that show evidence of
mineral deposits. Neither Mr. Clark nor anyone else in the industry
could quantify the overall number of staked claims that become mines,
although all agree that they are small.
Canada's constitution does not provide property rights like those under
most American laws. Unlike Canada and many other countries, original
land grants in the United States included both mineral and surface
rights, making the fictional tale of the Clampett family as told in
''The Beverly Hillbillies'' at least legally plausible. While the
mineral rights were sometimes sold by landowners over times, most state
laws place limitations on prospecting.
Over the years, the Canadian provinces have retained various rights to
land they granted to private property owners. On some private land, for
example, the government still owns white pine trees, a law dating from
the era when their timber was valued as naval ships' sailing masts. The
law is no longer enforced.
More commonly, particularly in the north, the government retained all
the mineral rights underneath privately owned land.
Some landowners, mostly in the populous southern and eastern parts of
Ontario, were given both the surface and mineral rights to their
properties, depending on when the land was settled. But in many cases,
the mining rights reverted back to the government after an owner at
some point over the last 150 years or so failed to pay mining as well
as property taxes.
What owners do once they find out the limitations of their rights
After learning that the prospector had the right to wander around his
cottage and chop down trees, Mr. Griesbach, a real estate appraiser who
lives near Kingston, Ontario, initially responded by taking out his own
Metal tags on the stakes on his land indicated that they had been
placed of behalf of A. David Houston, the president and chief executive
of Graphite Mountain, a company that was actually controlled by another
of Mr. Houston's firms, Diamond Lake Minerals.
(While incorporated in Utah, Diamond Lake was headquartered at Mr.
Houston's home in Warkworth, a town in eastern Ontario.)
Believing that Mr. Houston had not properly followed all of the
government's staking rules, Mr. Griesbach used his prospector's license
to file a counter claim on his own land. That challenge set off what
became a series of seven hour drives to Sudbury, Ontario, to attend
hearings before the Provincial Mining Recorder.
To further dissuade prospectors, Mr. Griesbach had part of his land
registered as a private firearms range with the federal government and
posted suitably frightening signs saying, in effect, that anyone
wandering on his land was in danger of being shot.
Down the road from Mr. Griesbach, Donald T. Loucks and his wife, Mary,
had also discovered Graphite Mountain's stakes on the lands surrounding
Long Pond Lake which they had gradually acquired over several decades.
The private lake had originally been the couple's summer cottage site
but they built a house and became full-time residents after Mr.
Loucks's retirement from the insurance business in Toronto.
The mining stakes were just the beginning. A woodlands preservation
group backed away from an agreement with the Loucks when it learned
about the mining claim. Shortly afterwards, Graphite Mountain moved
heavy mining equipment onto a claim across the road from the Loucks's
land and began blasting and drilling. For two summers, aerial survey
planes buzzed overhead.
''It was like being under siege,'' said Mrs. Loucks, whose husband died
just over five yearsago.
The situation drew to a legal stalemate and the exploration stopped.
While Graphite Mountain still holds claims in the area, the company
became inactive last September after the death of Mr. Houston.
By contrast, the dispute over a uranium mining claim not far from the
Griesbach and Loucks properties in North Frontenac, Ontario, continues
Frank and Gloria Morrison mounted a different counterattack than Mr.
Griesbach, after stakes from Frontenac Ventures appeared in 2006 on 100
acres of land they had retired to from Ottawa.
Much of Eastern Ontario, including North Frontenac, is the subject of a
complex and longstanding land claim launched by the Algonquin Indian
tribe. The Ardoch Algonquin First Nation, the local branch of the
tribe, soon joined in protests against the uranium mining project after
being contacted by Mr. Morrison.
Frontenac Ventures, a privately held uranium mining company based in
Oakville, Ontario, eventually obtained a court injunction to keep
protesters out of the areas it was exploring. But Bob Lovelace, the
chief negotiator for the Ardoch Algonquins and a lecturer at Queen's
University in Kingston, defied the order. He argued that he was
governed by Algonquin law. That defiance led to a six month jail
sentence and a 25,000 Canadian dollar fine against Mr. Lovelace.
Ultimately Mr. Lovelace served only 102 days in prison before the jail
order and fine were both struck down by an appeals court in a decision,
released in July, that rebuked the trial court for ignoring earlier
rulings related to native land claims. The appeals court also
criticized the current mining act for being ''remarkably sweeping.''
The ruling has not ended the dispute. Nor has it reduced Mr. Morrison's
resolve to block the project, a crusade that, he acknowledged, has
divided him from neighbors, generally lifelong residents of the area,
who see the mine as a potential source of jobs.
''We've got our life savings right here in this land and now it's
worthless,'' said Mr. Morrison, a professional musician and former
employee of the Canadian Police Association. ''I now understand what
makes a person an anarchist and what makes a person break the law.''
Exactly how the government will keep both the prospectors and
landowners happy with its revised mining act is unclear.
Michael Gravelle, the minister of mines, said the bill will only be
drafted following another in a long series of consultations now
underway. Any legislation, he said, will have to contain ''an
appropriate balance'' between landowner and mining interests.
George S. White, the president of Frontenac Ventures, which has spent
about 4 million to 5 million Canadian dollars on its project to date,
said it would be a mistake to limit miners and prospectors,
particularly in the current buoyant minerals market.
''The mining business in Ontario has been the backbone of the economy,
it has served the province well for 150 years,'' he said. ''In a
situation like this, the responsibility is on the landowner to find out
what they bought. We shouldn't be held up to ransom by somebody who
doesn't want mining.''
And although Mr. White has little sympathy for Mr. Morrison in
particular, the two men do share one thing: frustration.
''Had I known that this kind of opposition would develop, I would not
have got involved in the project,'' Mr. White said. ''It's something I
don't think anyone foresaw.''
PHOTOS: Peter Griesbach found trees on his property chopped down to
stake a mining claim. Years later, he is still fighting the
prospector.; A claim stake on Mr. Griesbach's property in Ontario.;
Like Mr. Griesbach, Mary Loucks also found claim stakes on her land.
After a legal wrangle, the exploration stopped. (PHOTOGRAPHS BY IAN
AUSTEN FOR THE NEW YORK TIMES)
|
economics
|
https://estate-coin-jewelry-galleria.com/about-us/
| 2024-02-21T00:54:18 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473360.9/warc/CC-MAIN-20240221002544-20240221032544-00054.warc.gz
| 0.955694 | 1,028 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__54477116
|
en
|
Estate Coin & Jewelry Galleria located at 1650 Main Street in Sarasota, FL is a unique one-stop-shop that is both a coin store and a jewelry store. Our coin store and jewelry store makes it easy and convenient for anyone wanting to sell or add to their collection. You will find a variety of coins, paper money, diamonds, and an exceptional assortment of estate and vintage jewelry. Our physical storefront is open Monday-Friday by Appointment for your privacy and convenience.
With the combined experience of over 65 years in the numismatic and jewelry industry, our in-house coin dealers and jewelry buyers are able to provide you with the best price and advice possible. Please contact us for any questions about buying or selling any items you have. Depending on the circumstances we will gladly make a no-charge verbal offer for any items we are interested in. Full written appraisals for insurance and other needs are also available for coins, paper money and jewelry. Please contact Estate Coin & Jewelry Galleria for more details at 941-952-0100 or stop by our storefront.
Our highest priority is your confidence and satisfaction!
Jerica, owner of Estate Coin & Jewelry Galleria, first entered into the collectibles business in 2004 where she began selling coins, stamps, currency and other miscellaneous collectibles on eBay. This experience eventually led her to a job at Numismatic Guaranty Corporation (NGC), one of the leading and most well-respected third-party grading companies in the coin industry. She worked as the Registry Set Coordinator for both US and world coins while at NGC.
After leaving NGC in January 2012, Jerica started attending numerous high-profile coin, currency and jewelry shows both in the US and overseas as a coin dealer. This eventually led her into estate and vintage jewelry and opening Estate Coin & Jewelry Galleria.
Jerica has over 16 years of experience in her industry. She now focuses on one-of-a-kind estate jewelry, vintage jewelry, and diamonds. She has also obtained her GIA Diamond Grading Certificate. Jerica is our leading gold jewelry buyer, diamond buyer, scrap gold and silver buyer.
Jerica has even pursued her own sterling silver jewelry line-Jessa J. Jewelry. Please visit her Instagram that showcases more of the vintage and high-end jewelry at https://www.instagram.com/jericasjewels/
Richard joined Estate Coin & Jewelry Galleria as an associate coin dealer and paper money dealer. He continues to attend almost every major trade show in the US and overseas. Estate Coin & Jewelry Galleria is very pleased to have Richard as his combined experience and knowledge in the collectibles field is outstanding!
Rick opened his first shop in 1979 in Sioux Falls, SD eventually selling it in 2005 upon moving to Florida. In 2005 Rick moved to Sarasota, Florida to start what is now Paper Money Guaranty (PMG), a sister company of Numismatic Guaranty Corporation (NGC) both which are part of the Certified Collectibles Group (CCG). Rick served as a grading finalizer until 2011.
While at PMG Rick was able to grade and handle many of the highest quality and rarest US and foreign currency known, with several individual pieces being worth over a million dollars. The highlight of his time at PMG was flying out to the American Numismatic Association (ANA) office to inspect the Aubrey Bebee Collection of US Currency valued at over 30 million dollars and eventually grading it for the ANA. The ANA regularly displays parts of the collection now in PMG holders at ANA shows around the United States each year as well as in the museum in Colorado Springs, Colorado.
Over the past 50 years, Rick has attended over 1,500 coin and currency shows. The list includes every major US show, countless other smaller shows, as well as shows in Europe and Asia. Rick has not only handled coins and currency but has over the years bought and sold stamps, postcards, tokens and small misc. collectibles too numerous to list fully. The Inverted Jenny C3a US Airmail stamp position #7 currently valued in the $300,000 range and an 1870 CC $20 US Gold coin in XF45 valued in the $320,000 range are just two of the many high-profile items he is proud to have personally handled in the past. He is a very seasoned coin and paper money dealer. He is our leading coin buyer.
No matter how large or small your collection we can give you professional advice when it comes to buying, selling, appraising or simply just have questions about a variety of collectibles. We buy coins, paper money, gold, fine jewelry, scrap gold, diamonds, Rolex watches, watches, sterling silver flatware, etc.
Members of: PCGS, NGC, PMG. PCDA, ANA., CSNS, IBNS, F.U.N., GIA Certified-Diamond, GSCC
|
economics
|
https://www.mako.com/trading-and-technology
| 2022-09-26T02:13:56 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030334644.42/warc/CC-MAIN-20220926020051-20220926050051-00171.warc.gz
| 0.939832 | 532 |
CC-MAIN-2022-40
|
webtext-fineweb__CC-MAIN-2022-40__0__52197055
|
en
|
Our cutting-edge platform allows us to provide around the clock liquidity to global exchanges.
Mako is a trading company committed to technological innovation. Our reputation is built upon our consistent provision of liquidity across all market cycles, especially periods of high market stress. Our history has followed options market making from open outcry in the trading pits of London, Amsterdam and North America, through to screen based trading. We were at the forefront of automated and systematic trading when bespoke technological solutions began to play an increasingly prevalent part in the evolution of the industry. Now, a large percentage of our global workforce is dedicated to designing, building, optimising and maintaining our latency sensitive proprietary trading systems. Our success in this journey is underpinned by our expertise developed over the last 20 years as well as our entrepreneurial and collaborative culture. We are proud of our history, however, we firmly believe that our commitment to rapid innovation and support of intellectual curiosity mean that our best days are ahead of us.
We have extensive experience managing risk in positions generated across the full volatility surface which gives us the confidence to provide reliable and continuous liquidity throughout all market cycles.
We have built and nurtured a rich network of long standing relationships with market participants and endeavour to always meet our obligations as a leading liquidity provider, especially in times of extreme volatility.
Through collaboration and research we have combined our in-depth, cross-market knowledge with a rigorous mathematical approach to design a suite of algorithms driving our globally scaled proprietary trading platform.
We are as much a technology company as a trading one. Our developers work closely with trading to design, implement and support our proprietary trading systems and strategies, deploying advanced trading applications over low latency infrastructure.
Mako encourages a collaborative and entrepreneurial approach where we combine our traders' knowledge and expertise with technological, mathematical and operational excellence.
Our proprietary platform has been designed to operate in a fully automated and systematic way. Whilst we are not a high frequency trading firm, our hardware and software is optimised to perform at ultra low latency.
Our traders employ sophisticated statistical models which are underpinned by high quality testing and our ability to access and process large volumes of historical data.
We combine advanced theory with rigorous market research methods, overlaying our practical expertise to produce robust models which generate alpha and evolve dynamically over time.
Mako operates an extensive global network and is co-located in all major derivatives exchanges across the globe. Our infrastructure and systems engineers work closely with Mako software and hardware development teams to architect, deploy and maintain our entirely in-house platform. Collaboration between teams facilitates a fast innovation loop allowing us to maximise our technical advantage.
|
economics
|
http://www.ukvia.co.uk/who-we-are/
| 2020-04-07T03:46:42 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585371665328.87/warc/CC-MAIN-20200407022841-20200407053341-00166.warc.gz
| 0.936271 | 905 |
CC-MAIN-2020-16
|
webtext-fineweb__CC-MAIN-2020-16__0__210083077
|
en
|
Who we are
As the country’s leading forum for supporting, developing and promoting the £1bn vaping industry, the UK Vaping Industry Association (UKVIA) is spearheading one of the biggest market disruptions in the 21st century – the seismic shift from smoking to vaping.
We comprise some of the UK’s most entrepreneurial and fastest growing independent vaping businesses, tobacco and pharmaceutical companies who are seizing the opportunity to play their role in the move towards a smokefree society and a range of professional and ancillary services providers
We represent the largest proportion of the UK marketplace and the entire supply chain including manufacturers, retailers, wholesalers and distributors who all share our vision: “a world where the evidence-based life changing public health benefits of vaping products are fully understood and the positive impact is maximised.”
Our government, the regulators, consumers, the public health community, the vaping industry and the media are all key in making this vision a reality. That’s why we’re all about educating, informing, reassuring and championing our key stakeholders so that the shift from smoking to vaping continues unabated and the public health benefits of doing so are realised fully. This involves:
- Establishing the utmost confidence in vaping products through scientific and non-clinical research that presents the public health case for vaping;
- Campaigning for regulation which is in the health and safety interests of consumers and is fair to the vaping industry;
- Raising awareness of vaping amongst consumers and educating them about the products on the market through our VApril campaign;
- Setting the highest levels of quality standards in the industry covering manufacture, ingredients and electronic functioning of products;
- Promoting and supporting the growth of the industry and its contribution to the UK economy.
The current Annual Report highlights the achievements of the Association and its members during 2017/2018 as well as the continued growth of the industry and the mounting evidence to support the public health benefits of vaping. It also puts the focus on key regulatory challenges and the priorities ahead for the vaping sector.
As a consumer you want to know that vaping products are safe when using them. Likewise, as a regulator you want complete confidence in the products that are on sale in order to protect the interests of consumers.
That’s why the UKVIA and its members are taking a lead when it comes to developing health and safety standards for the industry – both in terms of hardware and liquids.
Reports of side effects or product safety concerns associated with e-cigarettes or e-liquids can be reported to the Yellow Card Scheme. These can be reported online using the Yellow Card online reporting form here by both consumers and healthcare professionals.
Reports of non compliance with the TRPR can be sent to [email protected] or reported to local Trading Standards offices.
The UKVIA Directors
In 2008 Christian was invited to join DSL Group, one of the UK’s leading forecourt promotions businesses, as their business development director. In 2012 the group diversified further into the electronic cigarette category with the creation of multiCIG and subsequently the multiVAPE brands.
John has a strong background and reputation in the European Electronic cigarette industry having held senior executive positions in some of Europe’s biggest companies, and advises many leading industry analysists, financial institutions and media organizations looking at the vaping category.
Doug, who has 15 years’ experience within FMCG, retail, manufacturing & technology industries, is Manufacturing & Compliance Director at VPZ, the UK’s largest vape retail chain with 100 plus stores and a major manufacturer of e-liquids.
Dan is an owner of both Vape Club; the UK’s largest online vape specialist, and Vape Base; a leading distributor of eliquid and hardware to the UK and Europe. Joining the industry in 2013, Dan is a passionate vaping advocate and has spoken at many conferences and political engagements.
Dan launched Oxford Vapours in 2012 at just 17 years old. Inspired by the idea of stopping his family members from smoking and with a few hundred pounds of savings, Dan starting selling starter-kits in a shopping centre in Oxford. The company has since grown to 3 shops, oxfordvapours.com, the VapeVan™ SameDay Delivery Service and the ’Ohm Boy’ brand of E-liquids.
|
economics
|
http://ocga.org.au/?/gallery-of-achievement/wilson_bwc/
| 2021-01-23T23:47:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703538741.56/warc/CC-MAIN-20210123222657-20210124012657-00799.warc.gz
| 0.970186 | 154 |
CC-MAIN-2021-04
|
webtext-fineweb__CC-MAIN-2021-04__0__207258790
|
en
|
The Wilson family took a controlling interest in H J Reece (Holdings) Limited in 1969. At that time the company was a small ASX listed hardware and plumbing supply merchant with an outlet in Caulfield and Clayton.
After completing a Bachelor of Commerce at the University of Melbourne, Bruce joined the family business in the areas of finance and administration, leading to roles of Company Secretary and Finance Director.
The holding company now operates as Reece Australia Ltd and is the largest plumbing supplier to the trade and retail in Australia, having 440 outlets and operating in all Australian States and New Zealand.
Reece Australia Ltd is now regarded as one of Australia’s highest performing companies and has been consistently listed in the ASX top 100 in recent years.
|
economics
|
https://audiofictionbook.com/from/post/2009/2/mcmafia-a-journey-through-the-global-criminal-underworld-audiobook-download-free-by-misha-glenny.php
| 2020-10-26T20:56:49 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107892062.70/warc/CC-MAIN-20201026204531-20201026234531-00421.warc.gz
| 0.85859 | 375 |
CC-MAIN-2020-45
|
webtext-fineweb__CC-MAIN-2020-45__0__93220451
|
en
|
You can listen to this audiobook in formats: FLAC, WMA, WAV, ATRAC, MPEG4, AAC, MP3, WMA Lossless (compression ALZ, Z, JAR, TAR.Z, RAR, CBZ, ZIP)
Total pages original book: 375
Includes a PDF summary of 36 pages
Duration of the summary (audio): 25M56S (7.2 MB)
Description or summary of the audiobook: Misha Glenny's groundbreaking study of global organized crime is now the inspiration for an 8-part AMC crime drama starring James Norton (War and Peace), Juliet Rylance, and David Strathairn. With the collapse of the Soviet Union, the fall of the Berlin Wall, and the deregulation of international financial markets in 1989, governments and entrepreneurs alike became intoxicated by dreams of newly opened markets. But no one could have foreseen that the greatest success story to arise from these events would be the worldwide rise of organized crime. Today, it is estimated that illegal trade accounts for one-fifth of the global GDP. In this fearless and wholly authoritative investigation of the seemingly insatiable demand for illegal wares, veteran reporter Misha Glenny travels across five continents to speak with participants from every level of the global underworld-police, victims, politicians, and even the criminals themselves. What follows is a groundbreaking, propulsive look at an unprecedented phenomenon from a savvy, street-wise guide.
Other categories, genre or collection: True Crime Biographies, Social & Cultural History, Crime & Criminology, True Crime Books
Download servers: BitShare, Hotfile, Microsoft OneDrive, Firedrop, Mediafire, 1337x. Compressed in ALZ, Z, JAR, TAR.Z, RAR, CBZ, ZIP
|
economics
|
https://faithfightsfoodwaste.org/food-waste-in-america-a-current-conundrum/
| 2024-02-21T12:51:12 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473472.21/warc/CC-MAIN-20240221102433-20240221132433-00633.warc.gz
| 0.946785 | 3,598 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__124129358
|
en
|
Picture this: You’re up early on a weekend morning at your favorite grocery store, looking to get a jump start on your weekend. Virtually the only person in the store a few minutes after six AM, you head back to the meat department to get the main course for a special meal that night. You immediately notice a store employee pulling multiple packs of high-grade meat off the shelves – ribs, filets, steaks and ground beef – and tossing them into a rolling cart. With a sinking feeling, you ask “Are you throwing all of that out?” “Yes,” he replies, “It’s past its sell-by date.” Stunned, you ask, “Don’t you donate any of that?” “No, we don’t do that, we don’t want anyone suing us,” he answers.
Sadly, that’s a fairly typical mindset in retail food stores across the U.S, where litigation fears (and the law) often trump common sense and help sway our collective moral compass. But look deeper. Watch employees at your go-to food retailer continually removing fruits and vegetables from displays in an effort to follow store policy which showcases only the most pristine items. Note how baked goods and prepared foods are robotically discarded on time schedules so that only the freshest items are available for purchase. Take a walk outside to the back of the store and note the multitude of rolling garbage bins. Look inside, and you’re likely to see a plethora of food items – bread, fruits, vegetables, meats – many of which are perfectly good to eat and high in nutrition content – awaiting transfer to a landfill. There they will rot away, polluting the environment rather than serving their intended purpose of nourishing people.
Such is the situation in America today, where far too much of our food supply is squandered. In fact, more than 130 billion pounds of food (or 31% of the available food supply at the retail and consumer levels) with a value in excess of $160 billion was uneaten in 2010. The Environmental Protection Agency estimates that more food (over 70 billion pounds) in municipal solid waste reaches landfills than any other single material in our everyday trash, constituting 24 percent of municipal solid waste in landfills.iii Such gargantuan figures can be hard to fathom, but author and expert Jonathan Bloom made them more tangible for many in noting that we waste enough food in the U.S. to fill the Rose Bowl every day. iv Notably, the USDA figure does not include Cisco Systems’ 2016 estimate of 11 billion pounds of excess food grown, but never consumed, in America’s home and community gardens annually.v
Couple that wastage with the excessive levels of hunger in America, where nearly 50 million citizens (about 15% of the population, many of them children and seniors) live in poverty vi and our wasteful behavior appears irrational. In 2019, there were 35.2 million people or 10.5 percent of households who were food-insecure, meaning that at times during the year, these households were uncertain of having, or unable to acquire, enough food to meet the needs of all of their members.vii Add in multiple other negatives of food waste, including air and water pollution and the opportunity cost of wasted resource inputs, and it is clearly nonsensical. The fact that we continue to waste so much food has long been a conundrum; and it is high time that we transitioned from conundrum to clarity on the gravity of the food waste problem in order to advance meaningful, national efforts to put our food to responsible use. viii
A look back
But let’s back-up a step. A key to that effort involves restoring the degree to which we value food. History, and especially our grandparents, can teach us important lessons in that regard, born from necessity associated with resource scarcity. Periodicals from the War years were full of motivational advertisements developed by the government encouraging the responsible use of food. Food was described as a “weapon” and as “fighting strength” – a resource that would “win the War.” Individuals were encouraged to “lick the platter clean,” “share food,” “preserve food,” and “make food go all the way.” In a wartime environment such admonitions were clearly understood, and they were followed, shaping the values and behavior of that generation.
Today, however, those values are noticeably absent, replaced by a fixation with convenience and saving time that leads to excessive waste. We live in a throwaway economy where portions of items are used with the remainder immediately discarded, and food is no exception. Wasted food occurs everywhere in the U.S., at all stages of the food supply chain – from farm to distributor to retailer to our homes. Just two generations removed from the War years, we have quickly moved from a culture of responsibility regarding our food to a culture of abundance.
Why is that? A few key reasons stand out:
Abundance: Food is everywhere – in vast quantities, in overflowing displays, and in multiple packaging formats. It is available at all hours, and in great variety. It is not only abundant, it is beautiful – perfect in size, shape, and color – and we expect nothing less.
Emphasis on Freshness: It is also extremely fresh. This theme reverberates through the supply chain. Retailers want to be known as having the freshest items; continually culling fruits and vegetables with minor blemishes and discarding prepared foods beyond designated time windows. On the farm, produce deemed “too ripe” (i.e. with limited shelf life) will often simply be plowed under by growers. In our homes, consumer confusion over freshness date labels (best by, sell by, use by, best before, etc.) and a “when in doubt, throw it out” mentality fuels additional food discards.
Low Cost: Our food is relatively inexpensive, indeed considered “cheap” by most of the world — although that cheapness is artificial as many of the true costs involved in the production of our food (e.g. subsidies and environmental costs) are not borne by the producers.ix That perception has created a system in which consumers are quick to discard food nearing shelf-life dates for fear of sickness, while retailers act similarly due to fear of liability exposure and reputational risk. Such a mindset is easy because in much of the country trash is easy, and disposal to landfill is relatively inexpensive.
Lack of knowledge/connectivity: For decades, millions of home and community gardeners were blessed with excess produce, but lacked knowledge of both the great need for that food across the country and the local agencies where it could be taken and put to best use. Where donation connections were publicized, they tended to emphasize processed food in jars, cans, and boxes, and not fresh fruit and vegetables, for ease of storage and distribution. Similarly, larger farmers and growers often had excess produce on hand, but passed up the opportunity for donations due to lack of knowledge of, or lack of access to, relief agencies in need and/or effective gleaning teams to harvest the excess food. Concerns over operational disruption and/or liability fears further suppressed the incentive to donate. In short, these constraints reinforced the notion that produce was abundant, and easily discarded or plowed under.
Not surprisingly, the combination of all of these themes – abundance, perfection, low cost, freshness premiums, consumer confusion, cheap disposal options, and lack of connectivity – has led to an alarming amount of wasted food which really shouldn’t be viewed as “waste” at all but instead as a valuable resource to be unlocked for the benefit of people and planet. Myriad factors related to production and distribution (including weather, pests, machinery damage, package damage, transportation delays, supply and demand variability, etc.) result in additional losses.x
We need to reset this situation, yet it’s particularly concerning to note that estimates of food waste have been on the rise.
We need to reset this situation, yet it’s particularly concerning to note that estimates of food waste have been on the rise. A 1977 government study estimated that 20% of the food produced for consumption in the U.S. was lost annually. A study twenty years later put that figure at 27%, while more recent estimates are in the gains over the same period. Further, a landmark report estimated that food waste and loss across the 30-40% range.xi Obviously a disconcerting trend when one considers the accompanying technologicalglobe could be as high as 50% annually.xii Such inefficiency is staggering. What business enterprise could survive with that level of waste?
The consequences of food waste are serious – socially, morally, environmentally, and financially.
The consequences of food waste are serious – socially, morally, environmentally, and financially. At the most basic level, by wasting food we miss the opportunity to feed people – our neighbors – and therefore miss the ability to spread goodwill and build community. Today, hunger is largely an issue of nutrition, and by discarding fruits, vegetables, dairy products and meat proteins, we deprive those in need of the high-quality calories that they need most for good health. With more than one-third of the adult U.S. population now obese, and the estimated annual medical costs of obesity at roughly $150 billionxiii, the potential to improve nutritional intake for people experiencing nutrient deficiency by redirecting excess high-quality food to relief agencies is enormous. In fact, wasted fruit can be viewed as “the low-hanging fruit” in this arena.
Wasted food also significantly harms the environment. Food that decomposes in landfills creates methane gas, which the U.S. Environmental Protection Agency (EPA) shows has more than twenty times the global warming impact of carbon dioxide. xiv Wasted food also consumes limited landfill space and leads to water pollution through run-off.
Notably, wasted food involves the waste of all of the resources that went into producing it in the first place – water, fertilizers and pesticides, fuel, and all of the associated human capital and labor. Together, the environmental harm and the wasted resource inputs associated with food waste carry great financial cost. Further, some reports note that the U.S. spends another $1 billion annually just to haul excess food away.
Hunger. Health. Environment. Economy. Food waste traverses all of these themes. As such, it is more than an issue of food security – it is an issue of national security. Reducing wasted food and redirecting those food assets to other positive uses is a challenge, but also an enormous opportunity – one that not only feeds people, improves health, benefits the environment, and saves money, but also one that has the potential to bring communities closer together. It’s an opportunity that we can ill afford to miss.
Embracing that opportunity involves mindset change such that our everyday decisions are guided by the desire to optimize our use of food – much as we do with any scarce resource. To get there, we need to first become more aware of the food waste problem, open our eyes to the amount of waste that is occurring, reexamine our values, educate ourselves and others on the consequences of that waste, and change our behavior while also raising our expectations of others (such as our favorite retailers and restaurants) in the food supply chain. This is not such a difficult transition if we all simply look a little harder at all of the waste that is occurring around us and consider the great potential in that food.
The EPA’s Food Recovery Hierarchy is a useful tool to guide this behavior shift – providing individuals and organizations with a tier of options for optimizing the use of potentially wasted food ranging from most preferred to least preferred. The hierarchy starts with source reduction (i.e. not producing food waste in the first place), and moves to feeding people, feeding animals, industrial uses, composting, and landfill. For backyard gardeners and farmers/growers of all sizes, feeding people is obviously the preferred goal once the food is produced. A commitment to follow the hierarchy, particularly by food sector organizations dealing in significant volumes of food, is a significant step toward minimizing waste and maximizing the value of food. Such an effort often results in financial savings, environmental benefit and positive press in the community along with inspired employees. A fine example is Campbell Soup’s Just Peachy salsa effort, in which the company partners with local peach producers and the Food Bank of South Jersey to produce jars of salsa from off-spec peaches that, while perfectly delicious, would not qualify for retail distribution and would otherwise go to waste.xv The Food Bank buys the peaches for a heavily discounted rate, giving the farmers an outlet and allowing them to earn some revenue from the peaches rather than paying to dispose of them. Campbell donates manufacturing and packaging costs, and its employees volunteer to help package the jars for distribution to retailers. Sale of the salsa generates income for the Food Bank to finance hunger-relief efforts, farmers save money, food is diverted from landfill, and Campbell gains standing in the community while also inspiring its employee base (helping to both attract and retain talent).
In the U.S., a significant percentage of annual food waste occurs at the retail level, where individual consumers have the opportunity to play a big role in driving food waste reduction. That shift starts with increased awareness of the gravity of the problem, which is getting a push from the Ad Council’s current “Save The Food” campaign along with an ever increasing supply of articles and media posts on the subject. Food waste is big news, as it should be, because it makes no sense. More formal educational efforts should be implemented to impact youth – our future legislators – on the consequences of food waste and the potential locked within excess food. Teaching our kids that wasting food is “not cool” will hasten the shift from a culture of abundance to a culture of responsibility.xvi Together, impactful awareness campaigns and education efforts should propel a reexamination of our values regarding food – returning us to the mindset of our grandparents where food was appropriately valued as the life- sustaining resource that it is. With newfound knowledge, consumers should be questioning not only their own behavior regarding food (and how not to waste it), but the behavior of producers, retailers, and restaurants as well. When consumers consistently reward responsible corporate behavior with their purchasing dollars, we can expect acceleration in the shift toward minimizing food waste.
Broadly, food waste is a simple issue to get behind. After all, who would argue that more food waste is a good thing? With rising awareness of the social and environmental benefits to reducing food waste, and the growth in technology-based solutions to facilitate redistribution of excess food, it is now much easier for the average individual to act responsibly regarding food. The real challenge is largely cultural – changing mindsets and values broadly and deeply enough such that minimizing food waste is the expectation among all of the players in the food system. And viewed in conjunction with pressing themes of hunger, health, environment, economy, community, and security, it’s clear that achieving that cultural shift is more than just an admirable goal.
Steven M. Finn, Lauren Goldberg, and Gary Oppenheimer, August 2019
i https://www.law.cornell.edu/uscode/text/42/1791 The Bill Emerson Good Samaritan Food Donation Act
ii Buzby, et al. The Estimated Amount, Value, and Calories of Postharvest Food Losses at the Retail and Consumer Levels in the United States. USDA Economic Information Bulletin Number 121. February 2014.
iv Bloom. American Wasteland. Da Capo Press. 2010.
v AmpleHarvest.org. Food Waste In America. 2016. Available at: http://ampleharvest.org/food-waste-in-america/
vi Feeding America. Hunger and Poverty Facts and Statistics. 2016. Available at: https://www.feedingamerica.org/research
vii Bloom and Finn. Food Waste: From Conundrum to Clarity. In Food Waste Across the Supply Chain: A U.S. Perspective on a Global Problem. Council for Agricultural Science and Technology. 2016.
viii Bloom and Finn. 2016.
ix Kantor, et al. Estimating and Addressing America’s Food Losses. Food Review. Jan-April, 1997.
x Finn. Valuing Our Food: Minimizing Waste and Optimizing Resources. Zygon –Journal of Religion & Science, December 2014, V. 49.
xi Fox, et al. Global Food: Waste Not, Want Not. Institution of Mechanical Engineers. November, 2013. xii Centers for Disease Control and Prevention. Adult Obesity Facts. 2016. Available at: https://www.cdc.gov/obesity/data/adult.html
xiv Just Peachy Salsa Raises Funds For Hunger Relief. Available at: http://www.campbellsoupcompany.com/newsroom/news/2015/08/27/just-peachy-salsa-raises-funds- for-hunger-relief/
xv Bloom and Finn, 2016.
|
economics
|
https://enewspaper.com.pk/ecc-approve-sugar-import-tenders-of-50000-mt/
| 2021-12-07T09:36:51 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363337.27/warc/CC-MAIN-20211207075308-20211207105308-00596.warc.gz
| 0.895964 | 1,251 |
CC-MAIN-2021-49
|
webtext-fineweb__CC-MAIN-2021-49__0__185341874
|
en
|
ISLAMABAD, (APP): The Economic Coordination Committee (ECC) of the Cabinet on Thursday approved to import of 50,000 MT of sugar to maintain sufficient stock in the country.
The ECC approved to import sugar in 03 segregated tenders of 50,000 MT each so that there is more participation and increased competition when international prices fall down, said a press release issued by the Ministry of Finance here.
Finance minister Shaukat Tarin presided over the meeting of the Economic Coordination Committee (ECC) of the Cabinet.
Secretary, M/o Industries and Production, Jawwad Rafique Malik briefed the Committee about the availability of sufficient stocks of sugar.
He further apprised about the steps being taken to import sugar for building strategic reserves.
The Committee further emphasized ensuring a smooth supply of sugar throughout the country and directed to initiate crushing by sugar mills at the beginning of November 2021 as done last year.
Finance Division presented an updated summary regarding Kamyab Pakistan Program (KPP) before ECC.
The program has been streamlined in consultation with stakeholders to disburse micro-credit for uplifting marginalized segments of society.
KPP has five components namely Kamyab Karobar, Kamyab Kissan, Naya Pakistan low-cost Housing, Kamyab Hunarmand, and Sehatmand Pakistan. Under the first 03 components, micro-loans shall be disbursed among eligible persons registered with Ehsaas through the National Socio-Economic Registry (NSER) who have a family income of up to Rs.50,000 per month.
The last two components of KPP will be integrated with the existing programs.
KPP is aimed to integrate with Government’s ongoing skill development program for imparting educational and vocational training.
As per the revised framework of KPP, the selection of Wholesale Lenders (Banks) will be through competitive bidding in line with PPRA rules.
The Micro Finance Providers (MFPs) will be selected by the wholesale lenders.
The Government will provide two guarantees of a 10 percent first loss guarantee to MFPs and a 50 percent guarantee to Wholesale Lenders (WLs) on a pari-passu/risk-sharing basis.
During the first phase, KPP will be launched in Balochistan, Khyber Pakhtunkhwa, Gilgit-Baltistan, AJK, and a few of the poorest districts of Sindh and Punjab. KPP will be extended to the whole of Pakistan eventually.
On the implementation side, the Kamyab Pakistan Information System (KPIs), a digital portal, is being established which is fully integrated with telecommunication companies, NTC, Ehsaas/NSER, and NADRA for verification of beneficiary’s eligibility.
After due deliberation, the ECC approved the Kamyab Pakistan Program for onward submission before the Cabinet.
The members of ECC commended the salient features of the Kamyab Pakistan Program and regarded it as a flagship initiative of the present government to empower the under-privileged population having limited resources.
The ECC considered and approved another summary by the Finance Division regarding the fixation of dividends at the rate of 10 percent on the face value of SBP shares for the financial year ended on June 30, 2021.
Ministry of Industries and Production presented a summary regarding approval for disbursement of salaries to PSM employees for the FY/2021-22.
After due deliberation, the ECC accorded approval for payment of salaries to the employees on monthly basis till the implementation of the complete human resource retrenchment plan.
The ECC considered and approved a Technical Supplementary Grant (TSG) in favor of the Ministry of Interior for the construction of Frontier Constabulary Training Centre, Michni, Khyber Pakhtunkhwa amounting to RS.50 million during FY 2021-22.
The ECC accorded approval for the lowest bid received for the award of the fourth international wheat tender for the FY 2021-22 to import 120,000 MT of wheat as tabled by the Ministry of National Food Security and Research.
The Finance Minister, as a Chairman of ECC, stated that mutual consultation will pave the way for collective decision-making under the umbrella of Cabinet Committees.
This facilitates the process of decision-making in the public sector.
The ECC considered and approved another summary presented by the Ministry of National Food Security and Research for the purchase of 40,000 MT of Wheat from PASSCO by the World Food Programme (WFP).
M/o Energy presented a summary regarding financial support to GENCOS.
After detailed deliberations, the ECC approved Rs. 500 million as a Technical Supplementary Grant out of the total budget allocated to the Power Division.
Lastly, the ECC considered and approved another summary presented by the Power Division regarding 40 percent payment of the total amount payable to IPPs of 2002 policy.
Among others, Federal Minister for Planning Asad Umar, Federal Minister for Energy Hammad Azhar, Federal Minister of National Food Security and Research Syed Fakhar Imam, Federal Minister for Railways Azam Khan Swati, Minister of State for Information and Broadcasting Farrukh Habib, Federal Secretaries, Governor State Bank, and other senior officers participated in the meeting.
(Please send your news, article, pictorial to our email address <[email protected] & WhatsApp +923132434567 / +923332100737
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|
economics
|
http://www.thehayesprimaryschool.co.uk/swimming-payment/
| 2018-09-18T20:27:07 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-39/segments/1537267155676.21/warc/CC-MAIN-20180918185612-20180918205612-00293.warc.gz
| 0.96241 | 276 |
CC-MAIN-2018-39
|
webtext-fineweb__CC-MAIN-2018-39__0__229244692
|
en
|
In order to maintain our swimming programme for all children we would be grateful if you would make your yearly swimming contribution of £50 via two ways. Either by our My Donate page (see link below) or via Parent Pay (see link below).
If you are paying via My Donate, please click on Gift Aid if you are a taxpayer. Due to the charitable status of the swimming pool, we are able to claim Gift Aid if you tick the box on the My Donate page. This enables us to claim extra funding from central government which we can use to further provide educational resources for your child(ren). Please click! However the choice of how to pay is completely up to you!
Or if preferable, you can pay via Parent Pay which has been set up for you to pay your contribution in instalments if this is favourable to you. The fees are £50 per child, which works out at approximately £1.30 per lesson for every child from Reception to Year 6 to enjoy the benefits of a weekly swimming lesson. I am sure you will agree this is excellent value in comparison to the costs you would incur for private swimming lessons elsewhere which average £6.70-£9 a lesson (and that is without the cost of transport!) If you have more than one child at The Hayes, please feel free to pay over two terms.
|
economics
|
https://www.cainteriordesigns.co.uk/2024/02/16/money-saving-ideas-for-your-renovation/
| 2024-04-17T11:28:31 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817153.39/warc/CC-MAIN-20240417110701-20240417140701-00658.warc.gz
| 0.891847 | 772 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__59160085
|
en
|
Renovating your home can infuse new vitality into your living space, yet often it accompanies a substantial price tag. However, with strategic planning and creativity, you can accomplish your renovation aspirations while adhering to your budget. Here are some money-saving ideas to contemplate for your renovation project:
1. Establish a Realistic Budget: Prior to delving into your renovation project, set a practical budget grounded in your financial circumstances and priorities. Conduct research on the costs of materials, labour, and other expenses associated with your renovation to ensure your budget aligns with your objectives.
2. Prioritise Renovation Needs: Identify the primary areas of your home that necessitate renovation and prioritise them based on urgency and significance. Concentrate on addressing essential requirements like structural repairs, safety enhancements, and functionality improvements before tackling cosmetic enhancements.
3. DIY Whenever Feasible: Trim expenses on labour costs by undertaking certain renovation tasks yourself. DIY projects such as painting, installing flooring, and minor repairs can notably reduce expenditures. Nonetheless, be pragmatic about your skills and capabilities to circumvent costly errors necessitating professional intervention later on.
4. Shop Around for Deals: Dedicate time to compare prices for materials, fixtures, and furnishings. Hunt for sales, discounts, and clearance items at home improvement stores, online retailers, and local suppliers. Consider purchasing gently used or refurbished items to economise even further without compromising on quality.
5. Reuse and Repurpose: Embrace the concept of “upcycling” by repurposing existing materials and furnishings in your home. Salvage usable materials like wood, hardware, and fixtures from demolition or renovation debris and integrate them into your project. Innovate with furniture and decor by giving old pieces a fresh coat of paint or repurposing them for new functions.
6. Consider Alternative Materials: Explore cost-effective alternatives to high-end materials and finishes without compromising on style or durability. For instance, opt for laminate flooring instead of hardwood, laminate countertops instead of granite, and vinyl siding instead of wood. Investigate eco-friendly and sustainable materials that offer long-term savings and environmental advantages.
7. Plan for Efficiency: Include energy-efficient upgrades in your renovation plans to save money on utility bills in the long term. Install LED lighting, programmable thermostats, energy-efficient appliances, and insulation to reduce energy consumption and enhance comfort. Take advantage of government incentives and rebates available for energy-efficient home improvements.
8. Avoid Structural Changes: Minimise costs by refraining from major structural changes that necessitate extensive demolition and reconstruction. Work with the existing layout and footprint of your home wherever possible to diminish labour and material expenses. Concentrate on cosmetic enhancements and functional upgrades that enhance the aesthetics and usability of your space without major alterations.
9. Negotiate with Contractors: When engaging contractors and tradespeople for your renovation project, do not hesitate to negotiate prices and explore flexible payment options. Obtain multiple quotes from reputable professionals and discuss ways to streamline the project timeline and reduce costs without compromising quality or safety.
10. Plan for Contingencies: Allocate a budget for unforeseen expenses and contingencies that may arise during the renovation process. Set aside a contingency fund of 10-20% of your total budget to cover unexpected issues, changes in scope, or project delays. Anticipating contingencies in advance will help mitigate financial stress and ensure your renovation remains on track.
By implementing these money-saving ideas and adopting a strategic approach to your renovation project, you can attain your desired outcomes while maximising value and minimising costs. With meticulous planning, creativity, and resourcefulness, you can revitalise your living space without straining your finances.
|
economics
|
https://docs.asx.capital/about-asx/introduction
| 2024-04-16T04:50:54 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817043.36/warc/CC-MAIN-20240416031446-20240416061446-00661.warc.gz
| 0.908255 | 147 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__156355425
|
en
|
The ASX Ecosystem is being developed with a focus on asset diversification and ease of access for investors. The ecosystem will consist of a number of funds, beginning with the Flagship Fund, a multi-asset fund consisting of real world assets (RWAs), yield bearing defi positions, and investments in early stage venture capital deals. The Flagship Fund will work in tandem with the ecosystem token ($ASX), via both growth and yield distribution mechanics.
Following the successful launch of ASX and distribution of $ASX to community members, the team will seek to establish new single asset funds via on chain raises. All subsequent funds will benefit the growth of the ASX ecosystem and $ASX token.
|
economics
|
http://www.residenceventures.com/
| 2024-04-17T21:34:23 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817181.55/warc/CC-MAIN-20240417204934-20240417234934-00434.warc.gz
| 0.902409 | 118 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__14453908
|
en
|
We are at the beginning of a technological revolution
We create, we take risks, we live our passion
We launched Residence to fund innovative early stage companies in expanding markets. We believe in the power of people and put founders at the forefront. Our goal is to help startups get initial traction, build relationships and scale. Our research is focused around consumer patterns, habits and behaviors using technology as a common denominator.
Areas of Interest:
FinTech, eCommerce, Healthcare, Artificial Intelligence, Virtual & Augmented Reality, Real Estate.
|
economics
|
http://www.dalmacijavino.hr/en/about-us/
| 2023-02-01T19:10:28 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499949.24/warc/CC-MAIN-20230201180036-20230201210036-00014.warc.gz
| 0.960324 | 2,440 |
CC-MAIN-2023-06
|
webtext-fineweb__CC-MAIN-2023-06__0__53785145
|
en
|
Dalmacijavino is a company with more than 70 years of tradition in the production of top-quality wines, spirits and soft drinks. Our long history and strong connection with Dalmatia is rooted in our recognizable products, which for generations of our customers have had an almost cult-like status.
Our products combine exceptional quality and the best ingredients of Dalmatian origin, providing an authentic local experience of the Dalmatian philosophy of enjoying life.
Mission and Vision
Our vision is to become the leading manufacturer of quality wines with strong presence on the Croatian and foreign markets. At the same time, our goal is to become recognizable for our heritage and the Dalmatian philosophy of life so as to become the first choice for our customers.
We want to become a locally relevant and contemporary manufacturer of wines. We will build our success on our experience and tradition, as well as innovations in the development of quality products. We will be a responsible partner to all participants in our chain of value. We will provide our buyers and consumers with products that combine the quality and best ingredients of Dalmatian origin, we will ensure our employees a stimulating working environment, our suppliers and business partners sustainable business models, and added value for our local community.
Continuing a decades-long tradition, our top-quality Dalmatian drinks allow our customers to feel and experience the Dalmatian way of life and to learn to take joy in living in the moment. Constant investments in the development of our business create new value for all our stakeholders and the community we operate in.
Focused on the satisfaction of our buyers and consumers, we constantly work on raising the quality and appeal of our products and introducing innovative products on the market. The extent of our product range allows us to be present in life of all generations, combining a contemporary approach, a positive nostalgic sentiment and a unique Dalmatian philosophy of life. We are committed to conducting ourselves responsibly on the market, investing in innovations and developing relations that will benefit our buyers, consumers, employees, business partners and the community.
Dalmacijavino products are present and compete on several foreign markets, achieving exceptional results on the markets of Slovenia and Montenegro. In Slovenia, we are present with various spirits, our biggest export being our Travarica herb brandy, which holds a market share of over 90 % in its category. In the wine category, our wine Pelješac has the largest sales share on the Slovenian market. In addition to a line of spirits, our exports on the market of Montenegro also include wines, of which Šjor Bepo is one of the best-selling table wines. Some of our products present on the market of Bosnia and Herzegovina include Pelinkovac, Vodka and Gin, the top-quality wine Merlot, our vinegar Kvasina and our soft drink Pipi, which holds a market share of over 90 %. In addition to regional markets, our export markets include other foreign markets such as Austria and Germany. The Austrian market is particularly interesting to us, where, for the very first time, we are present with the soft drink Pipi in the HoReCa sales channel. By the end of the year, we expect to place Dalmacijavino products on the markets of the USA and Canada.
For information on product prices, please feel free to contact us via email [email protected].
If you want to become a part of our team, contact us at [email protected]
1946 The legal predecessor of Dalmacijavino, was established, the company Vinalko, as a part of the plant to revitalize the wine industry in Croatia.
1948 The wholesale business Vinalko, seated in Split, branched off from the parent company Vinalko.
1951 Another wine company, Dalmatinac, with a large number of its own taprooms, was established.
1952 The National Council of the City of Split took over the Split Vinalko. The Company had branch offices in Šibenik and Dubrovnik, as well as wine cellars in Split, Kaštel Stari, Šibenik and Bol.
1958 The National Council of the Municipality of Split established the company Vinarski podrumi.
1960 Vinarski podrumi changed its name into Dalmacijavino.
1961 The companies Dalmatinac and Vinalko merged with Dalmacijavino.
1963 The new unified company Dalmacijavino began its operations, as an enterprise for the production, processing, finishing treatment and transport of agricultural food products.
1967 The companies Vrgorka and Drniš Winery, a business unit from the agro-industrial plant Petrovo Polje, merged with Dalmacijavino.
1968 The enterprise experienced a significant economic growth.
1975 A new bottling plant for soft drinks, and a vinegar factory in Drniš were constructed. In the same year, the spirit factory in the northern Split port was expanded, and new vineyards were planted in Dalmatia.
1990 Dalmacijavino began to experince a significant decline in production and sales due to the collapse of the SFRY and growing competition.
2001 The enterprise became a joint-stock company under the name Dalmacijavino d.d.
2012 Bankruptcy administrator were initiated for the company, and a liquidator was appointed.
2016 The company Dalmacijavino was privatized by a new owner.
2017 A new visual identity and the new slogan “Take it Easy” were presented to the public.
From our Archive
Dalmacijavino boasts with decades of successful business operations. During this period, the company has gone through expansions and constructions, introductions of new technologies, creations of new brands, appearances at trade fairs… We’ve peeped into our archives and discovered photos that show us these interesting times and decided to share some of them with you. Explore our gallery and take a look at what it used to be like.
Cultural Activities within the Company
Dalmacijavino had its own monthly newsletter Dalvin, established in 1972.
In it employees could read all about important events within the company and various other contents. The editor of the newsletter was Mr. Želimir Bašić.
It is always easier to work to a nice tune, and Dalmatia was never short on good singers, so it was only logical that the company founded its own traditional Dalmatian a cappella group (klapa), called Dalmacijavino, in 1970, whose members were employees of the company.
Trade Fair Appearances
Specialized trade fairs are indispensable for the promotion of a company’s products. Dalmacijavino appeared on many such fairs throughout the years. Here are a few photos of some of them.
The entire product range of Dalmacijavino was presented for the very first time at the 12th International Wine Fair, held in Ljubljana in 1966.
In 1972, Sarajevo hosted a large-scale wine fair in Skenderija, at which Dalmacijavino had the biggest exhibition area with its complete range of products.
The wine fair in Ljubljana is one of the most respectable events of this type, which is why Dalmacijavino has regularly presented its products there. This photo is from 1978.
Relations with Slovenian partners were excellent – since 1968, products of Dalmacijavino were stocked by Prehrana, the largest sales centre in Slovenia at the time.
Dalmacijavino has always been ready to help with the organization of cultural and sports events. Here are a few examples.
In 1971, Dalmacijavino was the main sponsor of the Sinj Alka, a traditional event that spread the word about Croatia and Dalmatia world-wide.
Dalmacijavino was also the main sponsor of the soccer championship held in 1979 on the legendary Hajduk stadium, Stari plac.
The company was also one of the sponsors of the 1971 motor sports championship of Yugoslavia.
Dalmacijavino products have always reached their consumers by land or sea, it was only the means of transport that were changing throughout the years.
The image from 1968 of wine transported by railway appears impressive even today.
Ships owned by Dalmacijavino collected grapes from islands, bringing them to Split for processing. This is a true example of the cooperation characteristic of these times.
This photo was taken in 1980.
Vespas as a means of transport for couriers in the 1980s provided an excellent way of meandering the city centre streets.
The transport of goods is inconceivable without trucks; these are some of the Dalmacijavino trucks.
Dalmacijavino owned facilities not only in Split, but also in some other Dalmatian cities and towns. These are some of the buildings.
Seldom is the design of consumer goods as significant as when it comes to packagings for wine, spirits and soft drinks. We have always paid particular attention to the appearance of our packaging, so that it would suit the spirit of our brand, as you can see from this brief overview of some of our most popular wines and spirits.
Bogdanuša and Faros 1974.
Šjor Bepo and Barba 1968.
Various wines 1971.
Various wines 1978.
Amaro Isolabella 18 is a prominent Italian brand of amaro that won numerous prestigious awards and gold medals for quality in the world and former Yugoslavia, and Dalmacijavino has been manufacturing it since 1966.
Various beverages 1980.
Vecchia Romagna Brandy 1980.
Vecchia Romagna was developed during the Mediterranean Games.
Tequila Mexicana was the first tequila manufactured in Yugoslavia and is yet another indicator that Dalmacijavino has been at the forefront of creating new trends.
Cooperation with Coca-Cola
We’ve always had a keen sense for recognizing the quality and potential of global brands. One of the many successful collaborations over the years was our production of Coca-Cola, the world’s most popular soft drink, which has been bottled in our facilities since 1980. Ours was the only bottling plant in this part of Europe that could boast of this achievement.
Wines and spirits may be what we are most famous for, but one soft drink has made the name of Dalmacijavino known throughout the entire former Yugoslavia and beyond – the carbonated orange soft drink Pipi, known by many generations as the soft drink of their childhood. The TV commercial for the drink from the 1980s has become an iconic moment of Croatian advertising history. Here are a few photos from the history of this popular refreshing drink.
In 1971, the first Pipi label appeared.
This is the appearance of the very first Pipi girl.
The modern Pipi bottling plant in the Northern Port during the 1980s.
Veljko Rogošić, swimming marathon world record holder, was the first face of Pipi and took part in many marketing activities carried out by the company at the time.
|
economics
|
http://libertydisplaygroup.com/about-us/history/
| 2019-08-25T08:46:35 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027323221.23/warc/CC-MAIN-20190825062944-20190825084944-00531.warc.gz
| 0.964353 | 164 |
CC-MAIN-2019-35
|
webtext-fineweb__CC-MAIN-2019-35__0__108467021
|
en
|
In 1987, with one desk and one telephone, founders Bob Cegla and Mike McDonald joined forces to start Liberty Display Group. After many long hours of hard work and perseverance, what started as a small shop soon grew, with the team hitting a half-million in sales in its first calendar year.
In 1990 we moved to our current 30,000 sq. ft. location and have continued to grow in this facility.
Over the years as our reputation for quality products grew, LDG has become a vendor for some of the nation’s largest retailers and consumer product manufacturers.
Following the unfortunate passing of Bob Cegla in 2017, Mike has carried on their vision of Liberty Display Group’s future by investing in new system processes, equipment and our most valuable asset, our employees.
|
economics
|
http://taxdebthelpusa.org/
| 2015-05-25T19:20:52 |
s3://commoncrawl/crawl-data/CC-MAIN-2015-22/segments/1432207928586.49/warc/CC-MAIN-20150521113208-00046-ip-10-180-206-219.ec2.internal.warc.gz
| 0.966672 | 144 |
CC-MAIN-2015-22
|
webtext-fineweb__CC-MAIN-2015-22__0__176841929
|
en
|
Tax Debt Options
If you are in the unhappy situation of simply not having the money to pay back federal income taxes that you owe, you have three courses of action:
- You can get an installment agreement, in which you will pay the full tax liability, but over an agreed-upon period of time.
- You can file for an offer in compromise, in which you pay less than the full amount you owe, based on a negotiated agreement with the IRS.
- Your choice will depend on your financial situation, how much you owe, and how much time remains on the statute of limitations for your tax liability. Generally, the IRS has 10 years from the date of the assessment to collect the tax.
|
economics
|
https://esssr.eu/becoming-a-member/
| 2023-06-02T08:43:10 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224648465.70/warc/CC-MAIN-20230602072202-20230602102202-00229.warc.gz
| 0.954174 | 335 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__109587945
|
en
|
In line with the principles of sustainability, ESSSR operates as a virtual organization, i.e. it entails no new building or facilities, meaning it leads to no additional costs to members. However, it requires a committed person (a permanent member of staff) with the usual office facilities, so as to allow coordination within each institution. The use of these resources will be optimized and, by means of joint initiatives, it will strengthen the profile, performance and scientific outputs of the member universities in the field of sustainable development, making the modest investment they make, a worthy one. The income streams and expected revenues are as follows:
- Revenues from research projects member universities will apply together
- Revenues from PhD student fees (for those universities which charge them)
- Revenues from courses and events member universities will jointly perform
Combined, the 3 revenue streams ensure that ESSSR provides an added value to each member. Member universities are free to define their own finance and activity plans, based on their own resources.
The Consortium meets once a year virtually to look back on past achievements and learn about new and future acitivities of the network, and all members are welcome to attend these meetings. Regular news messages sent by the Hamburg team inform on opportunities, e.g. partner in European research project applications, getting engaged in joint publications or taking part in sustainability events.
|
economics
|
https://palletsllc.com/
| 2024-04-24T17:55:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296819847.83/warc/CC-MAIN-20240424174709-20240424204709-00600.warc.gz
| 0.947159 | 280 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__44663799
|
en
|
The wood pallet is the workhorse of the U.S. supply chain. Most products manufactured in the U.S. are transported on top of a pallet. Every year approximately two billion pallets are circulated in the United States. The Grocery Manufacturers Association (GMA) pallet accounts for more than 30 percent of this usage and represents more than 280 million new pallets annually.
The GMA pallet is 48 inches by 40 inches. It is wood intensive, expensive, and heavy. For the past 70 years, wood has been the preferred material choice of pallet suppliers. Even today, more than 90% of all the pallets in use are made of wood. Widespread availability and cheap production costs are the primary reasons. Raw material costs usually run above 50% for many pallet manufacturers.
The GMA pallet has changed very little over the past seven decades. Until now, that is. Compare Pallets LLC’s GreenBlock Pallet to the standard GMA pallet and the benefits are clear and significant. GreenBlock will reduce the amount of wood used in a standard GMA pallet by over 25%. GreenBlock will reduce the weight of a that standard GMA pallet by over 25%. And GreenBlock Pallets will enable pallet manufacturers to nearly double the number of pallets shipped per truckload, reducing fuel costs.
|
economics
|
https://www.cadenceparkptsa.org/story/360197
| 2023-09-26T16:10:23 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510214.81/warc/CC-MAIN-20230926143354-20230926173354-00819.warc.gz
| 0.951157 | 140 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__175851237
|
en
|
Middle School Quad (behind the Gym)
Puma Marketplace will feature 40+ Puma entrepreneurs selling baked goods, drinks, crafts, jewelry, and services! Over the last 2 months, they have attended 4 classes to learn about creating a business plan, marketing, branding, and pricing. They heard from local entrepreneurs and learned what it takes to start a successful business. They have spent countless hours at home to create and finalize their precious products. They are ready for you!
Please come support your Puma entrepreneurs by purchasing their products and services!
Our young and generous entrepreneurs have decided to donate 10% of all proceeds to local charities with 100% PTSA match.
|
economics
|
https://youngfireknight.com/net-worth-update-june-2018/
| 2023-12-01T12:37:06 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100287.49/warc/CC-MAIN-20231201120231-20231201150231-00163.warc.gz
| 0.964848 | 2,810 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__54396886
|
en
|
Welcome to another monthly Net Worth update! This time its Net Worth June 2018 edition:
For those that are new, I will be posting these on a monthly basis to show my progress towards Financial Independence. The purpose of these is not to brag, or show off what I have, merely to show that little by little, even over the course of just 28-31 days, much progress can be made.
In addition, by tracking and posting this on the blog where everyone can see, I’m hoping this helps to hold me accountable to my goals. Where slip ups and unchecked spending can easily be passed off by keeping it to myself, with other people watching it should help to keep me in line! (Nothing like trying to avoid public humiliation to keep you motivated!)
If you haven’t already, check out last month’s report from May.
I feel like I say this every month, but didn’t June go by too fast?? It’s crazy how the first half of the year has flown by.. time needs to slow down!
This month I was super active during my free time on the weekends. One of the hobbies I’ve picked up over the years is being more outdoorsy and going hiking. I’m a sucker for an incredible view!
Luckily, this month had plenty of those.
Harper’s Ferry National Park was first (where John Brown made his infamous raid for my fellow history nerds):
Next up was Catoctin Mountain Park up in Maryland! (This view is at Chimney Rock for those in the area).
Lastly, I made my first trip of the year up to Shenendoah National Park. This place is absolutely gorgeous and I’ll be spending a lot of time out here over the next few months while it’s nice out:
If you want to keep up with my adventures, follow me on Instagram!
The one weekend I didn’t hike I made the drive up to see my parents. It’s a long drive, but I usually make it every quarter to go see them. Luckily my work is flexible so I can work that Friday from my parents house, so I get to see them for an extra day as well.
Family is extremely important to me so making these trips is something that will always be in my budget.
Now for the real reason you’re here!
June breaks down as follows:
After coming so close last month I finally made it to six figures!! The anticipation was killing me, but the market and my savings rate held up enough to allow me to get there!
Cash: $13,468 – $922
The cash was helped out mostly by my savings rate but also because my boss allowed me to charge a little extra for OT hours I was putting in. I’ve really been doing this the past few months, so it’s nice I was able to actually get paid now for some of those hours!
With my Roth IRA already maxed out for the year, I’m now turning all excess cash into a rental property fund. I’ve been reading up on many blogs and listening to podcasts on how it all works, and I’m ready to get more serious about it. With any luck I could potentially own a property by the end of the year!
401K: $59,761 – $1,456
Contributions this month totaled $1,831 (Employer Matching included). The market was down for me here, but up in others as you’ll see below.
I’m a little more diversified in this one, and (don’t quote me on this) but I think International stocks were down last month driving my negative returns.
My balance is 100% in stocks right now, split roughly 70/30 – Domestic/International.
Roth IRA: $11,657 – $188
I maxed out my Roth IRA back in March, so this will flow with the market for the rest of the year.
This account is all invested in a Vanguard mutual fund for Mid-Cap stocks.
Brokerage: $13,377 – $413
No contributions here, so just normal ebbs and flows of my investments.
I originally invested $12K into the account, $10K in the low fee VTI (Vanguard Total Stock Market ETF) and $2K in a high yield dividend paying stock.
HSA: $2,198 – $221
I opened my HSA account at the end of November last year after turning 26. This gain was straight from monthly contributions.
Unfortunately, this is all held in a Cash position right now as I need a minimum of $2,500 to invest in a NTF (no transaction fee) mutual fund.
As I’m on track to max this out this year, I’ll hit this mark in August and will immediately invest it.
Auto Value: $9,608 – ($290)
I have my Auto Value pegged at $2,500 above what the remaining value on my Auto Loan is. The negative value is simply monthly depreciation. The reason for this? Simply put, that was the value of the down payment I placed on my car (2014 Ford Fusion).
I verify through Kelly Blue Book each month so that if I desperately needed to, I could sell my car for around that value, which has always been the case. However, I plan on having this car for a long time so ideally the need to sell before the loan is paid off never actually comes up.
It’s sad to see my $100,000 car now worth less than 5 figures.. a hard lesson learned!
Credit Cards: $(1,515) – ($460)
I pay off my credit cards in full every month so this is just the monthly balance. By doing this I build credit and get free travel rewards and cash back while paying the credit card companies nothing in interest!
This number is what I pull from my credit card statements which ends on the 4th and 5th of every month. Now that I’ll be travel hacking more, I may just start pulling the balances at exactly month end since the newer cards aren’t guaranteed to have the same end statement date. I haven’t decided yet so I’ll report back.
Credit Card expenditures were a little higher this month. See below for the full breakout of spending to see how I did against my budget.
Auto Loan: $(7,108) – $290
The value on this increases as the amount of principle on the loan decreases with my monthly payment. Just chipping away at it at this point.
I got the loan with a 1.9% Interest rate, so I’m keeping it for now, though as the balance gets lower, it’s going to be more tempting to pay this off and be done with it, even if the math may not make sense.
A little overboard this month, but for good reasons mostly! I’m trying to hit the minimum spend on my new credit card so I’ve been trying to get some of the bigger payments out of the way.
Here are the details:
Monthly Rent $1,131:
Have to love living in a HCOL (High Cost of Living) area right? This is for a 2 BR apartment in which we split the cost. We could have found a place a little bit cheaper, however it would have been much further away from where we wanted to be (leading to an even longer commute), and with much less perks than what we have now.
My rent is increasing next month (as I renewed my lease another year), so you’ll see an adjustment to my budget to account for that.
Utilities $67 / Internet & Cable $70:
Definitely under budgeted for utilities, not a big deal though as I just cash flow the overage with my savings.
Internet/Cable is pretty standard around $65 as I split the costs with my roommate every month. We bought one movie leading to the extra charge this month. Still cheaper than the theater!
Groceries $175 / Restaurants $55:
Grocery spending was a bit higher as I had to buy some non food items that aren’t regular (laundry stuff, trash bags, etc) that get grouped in the grocery line.
Restaurant spending was under which meant I was doing a lot of cooking!
Car Payment $302:
Monthly car payment to pay off my loan. Only 2 years left now! It’s doubtful I let it last that long, but we’ll see.
With only a 1.9% Interest rate I believe I can beat that payment towards interest with returns through the market, which is the only reason I haven’t paid it off so far.
Auto Insurance $329:
This month I paid my auto insurance bill in full for the next 6 months. Earlier this year it was $292 for 6 months when I switched to a new company.
I was expecting an increase as many companies offer a super low rate to bring you in then promptly raise them afterwards.
At the end of this term I’ll be shopping around again to see if I can get a better deal if they raise it by that much again.
Auto Fuel $189 / Auto Other $59:
I have a lengthy commute to work – 60 miles round trip – leading to high fuel costs each month. The Other category includes any maintenance, repairs, taxes, etc that I budget for.
My fuel costs were inflated this month by the trip back home to see my parents.
I also had to get my oil changed, tires rotated and air filter replaced on my car as well which was the “Other” cost.
Cell Phone $0:
I’m still under my parents plan so this is my portion of the bill. I pay my parents directly up front for 6 months at a time. I’m currently paid through June at the moment.
No medical expenses this month and ideally the only remaining expense will be a small dental charge for an appointment later this year.
You can read about my unpreparedness and what led to the big YTD negative here.
I’m proud to say that I only spent $20 at the bars this month! My lowest ever! I guess that’s what happens when the friend you always went to the bars with moves away.
Instead, I spent $80 for a National Park pass that will last an entire year. As it costs $30 to get into Shenandoah National Park, this was a no brainer. As I write this I only need to visit one more national park/historical park to get my money’s worth!
The big expense was paying $275 for a ticket to Camp-FI Mid Atlantic next year! I was super bummed I could not attend this year, and the remaining Camp-FI’s this year were all sold out (still can make it to the Midwest one if anyone has an extra ticket though! 🙂 ).
I’ll also be missing Fin Con later this year due to a wedding, so I’m really looking forward to this event and surrounding myself with like-minded people!
I was debating creating a “blog” category for this expense, but since I haven’t monetized my blog there’s no real use. An expense is an expense! If I do end up making some money perhaps I’ll re-categorize, but that’s for a different day.
No travel costs this month, though will need to reimburse my friend for my portion of the Airbnb we are staying at during my upcoming vacation in August.
Father’s Day gift for my Dad. We went golfing with my two brothers when I was back home. Usually my dad will pay for all of us despite my best attempts to pay for my own.
However, this time I just decided to pay for everyone as part of the gift. My little brother is a broke college kid and my older brother and his wife are fighting to get out of a ton of student loan debt so I figured the was the least I could do to cover them both as well.
$50 for replenishing my metro card (usually refill by $20’s, but need to reach that min spend!) and $20 for monthly laundry.
Here’s the overall picture:
*Note – Take Home is my after tax pay (what shows up in my bank account). 401K is only my contributions. 401K Match is my company’s 3% match. HSA is both mine and employer contributions (my employer contributed $750 in January). Interest is from Bank Accounts only.
As discussed last time, I added in an Interest line as this technically is income! (Even though it’s peanuts). But it will be getting bigger now that I’ve moved most of my cash into higher interest online savings accounts.
June was expensive, but mostly due to a few one time costs. If I can get through the next couple months with a good savings rate I may just be able to reach my stretch goal of 55%! Stay tuned!
In the meantime – check out the Net Worth Updates page to see how I’ve done in past months.
How did your June turn out?
|
economics
|
https://www.bioniq.co.za/nevada-isp-were-deploying-radwin-jet-beamforming-ptmp-like-crazy/
| 2019-07-21T11:03:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195526948.55/warc/CC-MAIN-20190721102738-20190721124738-00126.warc.gz
| 0.941534 | 531 |
CC-MAIN-2019-30
|
webtext-fineweb__CC-MAIN-2019-30__0__201307534
|
en
|
RADWIN, the global wireless broadband provider, today announced that ‘High Desert Internet Services’ – Northern Nevada’s High Speed Wireless Internet Service Provider – is massively deploying RADWIN’s JET Beamforming base stations in its network along with hundreds of PRO and AIR subscriber units to serve both residential customers and businesses such as warehousing and manufacturing plants. ISP ‘High Desert’ is in the process of migrating its customer base from WiMAX and under-performing legacy wireless equipment to RADWIN’s solutions.
Doug Dawson, President of ‘High Desert Internet Services’ explained why he chose RADWIN JET Beamforming PtMP: “We reached a point with our WiMAX network where we simply couldn’t meet the demand for bandwidth from customers. We tested the JET product for close to 6 months because some of our mountaintop towers get 120-150 mph winds and we wanted to make sure RADWIN’s equipment would stay on towers, plus we have long-distance connections of 8 to 10 miles and we wanted to see the capacity we could achieve.”
Concluded Dawson: “Before we used RADWIN we had cheaper radios in our network and it was constant truck rolls which hurt our bottom line and hindered network rollout. With RADWIN’s Beamforming wireless equipment you get what you pay for. JET is a high quality product and there are zero truck rolls. Our key objectives are reliability and performance and with JET we’re delivering 25-30 Mbps to residential customers and 100 Mbps services to commercial enterprises and can compete with cable companies in the area. Most importantly, subscribers on our RADWIN network are extremely happy and we reduced turnover substantially. Word of mouth is our biggest sales force and each month we’re getting more and more customers referred to us. We’re deploying JET like crazy and adding new customers every day.”
Dennis Stipati, RADWIN GM NA: “This latest project with ISP ‘High Desert Internet Services’ proves that service providers whose mission is to deliver high-capacity service to their customers select RADWIN JET. When you buy carrier-grade equipment there are far fewer truck rolls and you’re positioned well to compete with local cable companies and other ISPs. In addition, churn is eliminated and valued customers recommend you to their neighbors and friends. We’re proud to be the leading choice of discerning ISPs.”
RADWIN is a leading provider of PtMP and PtP broadband wireless solutions deployed in over 170 countries.
|
economics
|
http://www.ascendo-international.com/projects-investors/
| 2018-04-20T04:35:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-17/segments/1524125937114.2/warc/CC-MAIN-20180420042340-20180420062340-00297.warc.gz
| 0.899733 | 149 |
CC-MAIN-2018-17
|
webtext-fineweb__CC-MAIN-2018-17__0__184283640
|
en
|
'Pauline enjoys high-level business and governmental connections throughout the world, including the United States, China, Japan, Australia, Singapore and Vietnam.' - Todd Moster Esq (Attorney & Author)
In today’s challenging business environment, success will lie with business people with the innovative outlook, dedication and international connections to navigate the fiercely competitive and increasingly globally-integrated economy of the 21st Century. Pauline Truong exemplifies those qualities.- Todd Moster Esq (Attorney & Author)
'An amazingly accomplished and generous individual, Pauline is an inspiration who is giving back to the community and helping to cultivate the next generation of attorneys, professionals, entrepreneurs, and women worldwide.' - MOGUL, 2015.
|
economics
|
https://toughguard.com.au/choose-australian-made-fencing/
| 2024-04-12T14:27:49 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816024.45/warc/CC-MAIN-20240412132154-20240412162154-00146.warc.gz
| 0.94666 | 702 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__174543447
|
en
|
When you’re looking to buy a fence, there are a few basic things people consider. What their price range is, what style they’re looking for, and what material they want; whether that’s wood, stainless steel or aluminium. Then they choose their fence. But it’s time to add another factor to the list, consider buying Australian-made. At ToughGuard20 we’re proud to be entirely Australian owned and operated. Based out of Geelong, we do our construction and powder coating locally on-site, making us an Australian-made company.
Why choose Australian-made?
Buying locally can end up being the more expensive option, but it usually pays off. You’re choosing to support a local business and pouring money into your own community. You know the products will be designed and built specifically for Australia’s regulations and conditions. Plus, you can be sure your product will be on trend and blend with the local neighbourhood. You don’t want to buy a fence that would look better in Shanghai than Melbourne. Choosing Australian-made products just makes sense.
Support local business
Shopping local has its obvious advantages. Namely, you’re keeping your money in the community; you’re supporting local jobs and improving the local economy. But the advantages aren’t limited to where your money goes. Buying local, Australian-made products means you get the opportunity to meet the people behind the product; you’re getting first-hand information from the experts themselves. You’re getting more personalised and better service. When you’re buying from a smaller local business, people know their customers. They can help you wherever possible and ensure you’re getting the most out of their product, because it’s important to them that you do. You definitely can’t say the same about multi-national conglomerates.
Built for Australian regulations
The team here at ToughGuard20 have a thorough knowledge and working understanding of Australian fencing regulations. Therefore, they’ll be able to help you when planning your fence to ensure you’re not making any serious mistakes. Almost all our tubular style of fencing is in accordance with Australian pool compliancy standards (AS1926.1).
We’re up with the trends
We’re Australian-made and locally based so we understand the neighbourhood and what types of fences people are installing. We’re not going to design a fence that would completely clash with the Australian residential area, nor are we going to sell you something that’s really trendy in America, but Australians wouldn’t buy. We understand where we are and we can ensure you’re getting the best fence for your property.
The other major benefit of being Australian-made is the warranty we can offer you. We have faith in our products and know they’ll stand up to Australian conditions. Consequently, every aluminium fence comes with a 10-year manufacture warranty, plus a 10-year powder coating warranty. Additionally, we have a premium range called ToughGuard20/20. This range is backed by a 20-year manufacture warranty, plus a 20-year powder coating warranty. These types of benefits are why you should shop Australian-made and support local businesses. Talk to the team at ToughGuard20 today about your next aluminium fence.
|
economics
|
http://www.easternfieldswind.com/community-benefits
| 2019-09-18T19:45:52 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514573331.86/warc/CC-MAIN-20190918193432-20190918215432-00303.warc.gz
| 0.953916 | 579 |
CC-MAIN-2019-39
|
webtext-fineweb__CC-MAIN-2019-39__0__170861324
|
en
|
Local Electricity Discount (LED)
We have increased the funding of the Local Electricity Discount (LED) program by 20%, up to $60,000 annually. Through this program, residents living within 1.5 km of a turbine can apply to receive an annual abatement towards their electricity costs. In order to ensure an increased benefit goes to those closest to turbines, we have proposed a plan whereby residents within 800 m of a turbine are eligible for a double-credit. You can view the proposed eligibility zones on this map. The LED program would represent a contribution of $1.2M to local residents over the next 20 years.
Community Benefits Fund
In addition to the LED program, we propose to set aside another $30k annually into a ‘Community Benefits Fund’ earmarked for local initiatives. This will total approximately $600k of funding over 20 years and will all be directly invested within the community. The fund would be managed by a committee and would be conditional to some representation by the community of St-Bernardin. This funding, like the LED, would be outside and above the payment of project taxes to the municipality. A condition of the fund would be that the money be spent in the St-Bernardin community.
Support of Special Projects
We are intent on supporting local ‘special projects’ within the community in the near term, prior to the project becoming operational. Currently, we have an open offer to help fund renovations at the community centre and to support fundraising efforts for local recreational upgrades in the area. Details of these initiatives are still being reviewed and will become clearer in the coming year. Look for more announcements by mail or at our future open houses.
Have an idea for a special project? Please contact us here.
The project will be assessed by the Municipal Property Assessment Corporation (MPAC) and will pay substantial taxes to the Nation and Champlain Municipalities, without any hidden costs for the project. The exact amount will be determined by assessment from MPAC, but it is estimated to be around $130,000 to $140,000 annually, representing up to $2.8M of tax revenue split proportionally among the municipalities over the 20 year life of the project.
RES is looking at offering a scholarship of $2,000 per year to a student from the region wishing to study in a field related to renewable energy or sustainability. This scholarship would be managed by a local committee with representation from the community, the municipality and the project.
The project will require both short and long term employment. Short term jobs include pre-construction field work as well as construction labour, materials and equipment. Long term jobs include site maintenance, project technicians and site management. Furthermore, there will likely be an associated increase in local support business as employees and tourists coming to see the project will spend locally.
|
economics
|
http://www.sherlockdesigner.com/2019/05/19/small-guide-on-paydayl-loans/
| 2019-09-22T06:47:55 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514575168.82/warc/CC-MAIN-20190922053242-20190922075242-00350.warc.gz
| 0.977833 | 1,187 |
CC-MAIN-2019-39
|
webtext-fineweb__CC-MAIN-2019-39__0__4301119
|
en
|
payday loans with Financial Credit Institutions are an alternative financing for those who have been included in this registry, either fairly or by a discrepancy in the payment of an invoice or receipt. In the article we explain how this mechanism works and its advantages.
What are payday loans with Financial Credit Institutions?
The payday loan with Financial Credit Institutions works exactly like a conventional loan, but the difference is that it is granted even if the person requesting it is registered in a file of defaulters.
Why does that happen? Actually, it does not have too much mystery. The main thing for the lender is to check that the person requesting the money can return it. And, although it seems the opposite to the naked eye, the truth is that being included in a file of defaulters does not imply that there is that problem, for several reasons:
1. A person who has had a default can be registered in the Financial Credit Institutions file for 6 years. It is not necessary to remember how much things can change in that period of time, so you have to take it into account. Maybe in a moment you stopped paying a receipt that you do not remember, but the debtor does; That means you’ll have to pay to be discharged.
2. Secondly, there are companies that use the registry in this file as a measure of pressure for the user to communicate with mill wheels. For example, if there is a discrepancy in the payment of the receipt, even if you can claim, input will be included. Since the lawsuit can take months or even years, there are many people who decide to pay and keep quiet. If this is not your case, perhaps you are included in Financial Credit Institutions without having to.
For all these reasons, the inclusion in a file of defaulters does not provide enough information when assessing the real risk of accepting an operation. In this way, many people who could not today can access the financing. We explain better how the process works in case you are interested.
The hiring of payday loans with Financial Credit Institutions
The process of hiring a payday loan with Financial Credit Institutions is similar to that of the rest of the financial products, although the truth is that it is a target in which fintech companies have specialized. In general, you will be asked to be of legal age and under 65 years of age, have legal residence in Spain, a bank account and a mobile phone. The lender will be in charge of carrying out the inquiries and, as a general rule, in a short period of time they will give you a definitive answer.
On the other hand, it should be noted that there are several advantages and disadvantages that you should know to make a conscious decision.
The first obvious advantage is that you will have the money even if you have some personal debt because, as we have said before, the main element is that you prove that you can repay the loan. In this way, people who once considered themselves unfit for a loan now become it; in the old days, it was unfair that many people did not give them loans when they were really solvent.
On the other hand, today the policy of granting payday loans has changed and, within limits, you will have several possibilities for repayment. Thus, you will have a certain ability to adapt when dealing with payments and you will be more relieved. It is not just the terms, but the amounts and the possibilities of fractioning the payment, which differ (and a lot) depending on the entity.
In addition, the concession processes are very fast. As Fintech companies have specialized in this market niche, the usual thing is that you can consult through your computer or a phone call and that in a few minutes you have a definitive answer. If you can not waste your time, this is one of the most interesting options that exist.
Another element that you have to consider is that this type of operation is granted for small expenses, normally no more than 1000 euros. Therefore, you will not have to acquire big commitments if what it is about is to pay for an appliance or a repair of your car and, in a few months, you will have settled the debt. Goodbye to having to carry years and years with the cross of a high amount.
The first drawback of this operation is that, by its very nature, the interest you are going to pay will be higher than if you were not included in any of these “blacklists”. This happens because the lender will assess the potential risks and, in most cases, these are greater. We are not going to cheat; Until a few years ago, giving a payday loan to someone on a defaulter list was the exception.
Another aspect to consider is that the margin of default in payments is minimal because the consequences are dire. This is usually the last resort, so you should only ask for it if you are sure that you will be able to pay because, if not, you can be sure that they will not give you loans anywhere else.
Finally, you must know that the amounts that will be granted will be less than in a conventional payday loan, so it is a possibility that will not compensate you in many cases. If you have to make an expense of a certain entity, it is preferable that you explore other options.
The payday loans with Financial Credit Institutions are an alternative for those people who have to face a payment with haste and need an alternative source of financing. Now, as the amounts that are granted are lower and the interest to pay higher, we recommend that you only use this resource when you have no choice. In Astro Finance we have a comparator that will let you know which is the offer that interests you the most and, on the other hand, we take care of analyzing carefully the different available offers.
|
economics
|
https://www.whatwillshedo.com/donate
| 2023-03-20T18:29:35 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943555.25/warc/CC-MAIN-20230320175948-20230320205948-00141.warc.gz
| 0.914206 | 156 |
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webtext-fineweb__CC-MAIN-2023-14__0__102415776
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en
|
top of page
Our small, independent podcast...
(operated by two working artists!)
...runs entirely on donations from generous listeners
100% of the funds we receive go directly back into the podcast, covering costs such as:
performer stipends, website costs and hosting fees.
To become a sustaining monthly sponsor,
check out the information below.
For as much as little as $3.00 a month, your contribution allows us to:
Employ Broadway, Film, TV & Professional Actors.
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|
economics
|
https://www.huerfeli.com/products/start-up-business-bundle
| 2023-02-03T12:26:50 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500056.55/warc/CC-MAIN-20230203122526-20230203152526-00148.warc.gz
| 0.904353 | 327 |
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|
BE PART OF OUR GROWING COMMUNITY!
We are continuously expanding our business operations and we are looking for people who are interested to earn extra income and start their own online business with low start up capital and hassle free!
- Low start up capital
- Dropshipping system
- Premium quality products
- Up to 30% sales commission
- Earn override bonus
- No need for inventory/stocks
- No need to personally process orders
- No monthly quota
- No monthly fees
- Free online recorded & live training
- Free online marketing materials
- Exclusive access to business portal
- Tester kit (20 scents)
- 10x GlutaCollagen Soap (130g)
- 5 bottles of assorted Eau de Parfum for men or women
Total Product Value: Php3,260
How does dropshipping work?
- Each eCommerce associate will have their own business account and unique shop link
- Your unique shop link can be used by your customers to purchase their orders
- Once a customer places an order using your shop link, it will automatically reflect on your business portal and on the back office of our company, JME Enterprises Inc.
- Once verified, our company will fulfill the orders from our warehouse and coordinate it with our logistics partner
- Our logistics partner will pick up the orders from our warehouse and have it delivered to the customer within 2-4 business days
- Once the order has been successful and paid, your commission will reflect on your business portal and will be available for payout request
|
economics
|
http://lentilunderground.com/david-oien-wins-outstanding-agricultural-leader-award/
| 2018-12-14T19:14:39 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376826306.47/warc/CC-MAIN-20181214184754-20181214210754-00592.warc.gz
| 0.952084 | 1,312 |
CC-MAIN-2018-51
|
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BOZEMAN – A third-generation Montana farmer with a philosophy degree who spent 30 years shepherding Montana agriculture into the forefront of organic and alternative crop production has been named the MSU College of Agriculture and Montana Agricultural Experiment Station’s 2017 Outstanding Agricultural Leader.
The public is invited to congratulate David Oien, co-founder of Timeless Seeds Inc., at a Montana-made breakfast at 10 a.m. Saturday, Nov. 4, in Shroyer Gym, located in MSU’s Marga Hosaeus Fitness Center. The breakfast is part of the college’s annual Celebrate Agriculture event scheduled for Nov. 3-4.
MSU Vice President of Agriculture Charles Boyer said Oien’s history as a respected advocate for diversifying Montana dryland production and as a lifelong proponent of sustainable, organic systems is an example for current agricultural students.
“Long before pulse crops were popular in Montana, before organic and natural foods were trendy, before ‘sustainable’ and ‘renewable’ were terms farmers regularly used, David Oien was quietly changing the landscape of Montana agriculture as one of the state’s first organic farmers,” Boyer said. “His grassroots story and life’s work in encouraging alternative, sustainable food production and a new crop frontier is something Montana agriculture owes a great debt to.”
The Outstanding Agricultural Leader award is given annually to individuals or couples who are engaged and well-respected in the state’s agricultural community. Recipients have impacted many with their accomplishments, have a lifetime of achievement in agriculture, are industry leaders or innovative producers, and are actively involved in Montana’s agricultural community.
Robert Boettcher, a Montana farmer and former Outstanding Agricultural Leader in 2003 who is a longtime friend of Oien’s, nominated Oien for the award. Supporting letters detail Oien’s years of public service and agricultural innovation. Letters were received from Alternative Energy Resources Organization, Montana Farmers Union, Montana Department of Agriculture, Montana Milling, Stanford University, U.S. Sen. Jon Tester, and several current and retired MSU faculty representing agronomy, soil, land resources and health and human development fields. The letters also describe Oien’s early adoption of organic practices and his gentle, steadfast commitment to bring increased research, attention and support to alternative cropping systems and new crops to farmers in the Northern Great Plains, according to authors.
Oien is a third-generation Montana farmer whose Norwegian grandparents homesteaded in the early 1900s south of Conrad. He was raised on the family wheat farm and received a degree in philosophy and religious studies in 1976 and later returned to the family farm to transform production to an organic-based system.
Nomination letters detail the history of Timeless Seeds Inc., which Oien co-founded in 1987, together with friends and fellow farmers Bud Barta, Jim Barngrover and Tom Hastings. The trio had a goal to market a self-reseeding leguminous cover crop variety called George Black Medic, which had been developed by the late MSU agronomy and research professor Jim Simms, whom Oien considered a trusted mentor and dear friend until his passing last year.
In the beginning, Timeless Seeds Inc. consisted of a few outbuildings on Oien’s property south of Conrad: a chicken house, equipment shed and a garage, according to Boettcher. The original mission of the company was to introduce new crops to conventional Montana farming and share the benefits of lentils that provided natural nitrogen and green manure, built organic matter and conserved soil moisture.
In the 1980s in Montana agriculture, growing organic, alternative crops was counterculture to that of widely practiced conventional agriculture in wheat-fallow systems that used synthetic fertilizer. Nomination letters lauded Oien’s persistence as a risk-taker and suggested Oien’s philosophy background formed his ability to engage in contentious discussions thoughtfully and critically, forming relationships with agriculture-minded people from all walks of life.
As natural foods and cropping systems became more popular, Oien was deeply engaged in conversations, policy and advocacy work advancing the diversification of Montana dryland agriculture by encouraging farmers to replace fallow fields with pulse crops and advocating the ecological and sustainable benefits of organic-based systems.
Oien’s role in introducing farmers in the Northern Great Plains to alternative crops and organic systems and developing markets for new crops over the last 25 years was chronicled in the acclaimed book, “Lentil Underground,” by Liz Carlisle, a Montana native and Stanford University lecturer who won the 2015 Montana Book Award. Today, Timeless Seeds has transformed into Timeless Foods Inc., which supplies national grocery chains, food manufactures and food service distributors with high-quality, organic, specialized grains and is one of the largest organic lentil seed buyers and suppliers in America, according to its website. In 2016, the United Nations declared the year as the “International Year of the Pulse Crop,” and Montana celebrated its role as the country’s top producer of pulse crops with 1 million acres planted, according to the United States Department of Agriculture.
Throughout the years, Oien has been active on many boards and committees promoting organic agriculture and pulse crops, including charter memberships with Pondera Solar Alliance, Alternative Energy Resources Organization Ag Task Force, local organic farmer chapters, Montana Organic Certification Advisory Committee, the Montana Organic Association as well as the Montana Manufacturing Extension Center In 2008, he received a lifetime of service award from the Montana Organic Association, and AREO’s 40th Anniversary Leadership in Sustainability.
He has helped and mentored many Montana farmers as they transition crop management into organic systems and systems that use less energy and are ecologically regenerative and economically sound. He also worked closely with MSU faculty on a variety of research projects, mentored students and supported learning practicums for MSU students in the Sustainable Foods and Bioenergy Systems major.
Oien is married to Sharon and the two have three grown children; Sara, Adam and Chris.
The selection committee for the Outstanding Agricultural Leader award comprises three Montana agriculture representatives, a College of Agriculture faculty member and an MSU student. MSU’s College of Agriculture has presented Outstanding Agricultural Leader awards since 1999.
|
economics
|
https://www.johnnapoli.net/about-us/
| 2023-06-06T12:35:52 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224652569.73/warc/CC-MAIN-20230606114156-20230606144156-00466.warc.gz
| 0.880348 | 238 |
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|
en
|
John Napoli and Associates, Inc., established since 1950, is Puerto Rico’s premiere food service equipment and supplies dealership, catering to the hospitality and restaurant industry in Puerto Rico and the Northeast Caribbean.
JNA, Inc. has built a reputation based on the commitment to offer the highest quality products at the most competitive prices in the marketplace. Our most recent project portfolio speaks for itself, with major hotels and resorts throughout Puerto Rico, convention center banquet facilities, regional hospitals, major casual dining and quick service chain restaurants, pharmaceutical in-plant feeding facilities and Puerto Rico’s finest restaurants.
We believe in building mutually beneficial and enduring relationships with all of our clients, based on conducting business activities with integrity and respect.
We value and appreciate your business. Thank you for allowing us the opportunity to serve you.
264 Ave de la Constitucion, Puerta de TierraSan Juan, Puerto Rico 00901.
Teléfono: (787) 724-2929
Fax: (787) 725-2245
Horario: Lunes – Viernes 8am – 5pm, Sabado 9am-1pm.
|
economics
|
http://www.homebasedbusinessideas.co.uk/
| 2014-04-19T22:06:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2014-15/segments/1397609537754.12/warc/CC-MAIN-20140416005217-00261-ip-10-147-4-33.ec2.internal.warc.gz
| 0.987001 | 397 |
CC-MAIN-2014-15
|
webtext-fineweb__CC-MAIN-2014-15__0__120539505
|
en
|
Having your own home based business opens up many money making opportunities for you. Home based businesses can provide a full time income and they can be used to supplement income from a part time or full time job. The great thing about a home based business is that you can make money from it when you have other commitments such as child care. To a great extent you can choose your own hours and you can choose where and how you work.
Once you have decided that you want to work from home you need an idea that is going to provide the lifestyle you want. For some people that have a skill set that makes working from home easy. They have skills that they have learned already and they are ready to make money from them. A typical example is the bookkeeper or web designer who strikes out on their own after working for someone else. There are may hundreds of similar examples.
For others the decision about home working is more complex. There may be no obvious skill they can sell. However, that does not mean that a perfectly viable business cannot be developed. There are many home based business ideas that that can be made to work by people who are motivated. It is also important to remember that your home based business does not need to be a unique or unusual idea. Look how many people have businesses in the same niche in your home town. Few markets are completely saturated. I think it is fair to say that for anyone who is willing to work hard and provide excellent customer service they will always be able to make good living.
So in conclusion, if you are looking for ideas for your own home based business its important that you consider what skills you have and how you can make money from them. Once you start thinking about running your own business you may become overwhelmed by the amount of home based business ideas that you have. Its important to filter out those that are unsuitable, perhaps because of the costs involved, the problems with running it from home or other practical issues.
|
economics
|
https://www.420greenthumb.com/how-much-electricity-do-grow-lights-use/
| 2023-03-20T16:59:55 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943484.34/warc/CC-MAIN-20230320144934-20230320174934-00415.warc.gz
| 0.9488 | 2,078 |
CC-MAIN-2023-14
|
webtext-fineweb__CC-MAIN-2023-14__0__251726038
|
en
|
You must have heard about how low-cost LED grow lights are and how easy it is to set up and maintain. However, if you have a larger grow room, you'll have a hefty monthly power bill. Many individuals use LED lights for domestic use to grow plants, especially seedlings.
The majority of grow lights are designed to be energy-efficient. Therefore, they will have a little impact on your electricity consumption. We'll also look at reducing electricity costs when you run led grow lights. How much electricity do grow lights use? To find out how much it costs to operate LED grow lights, here is the place to go!
How Much Electricity Do Grow Lights Use - How Much Does a Grow Light Add to Electric Bill?
You know that light is plant nourishment when you're a plant lover, and plants can't thrive without it. Your plants will be healthier if you can supply them with as much light as possible. Grow lights increase the amount of light your plants receive, allowing them to grow more quickly, create larger leaves, and produce more carbohydrates for growth.
Consider the following facts to get an idea of how much money you might anticipate spending on grow lights each month:
Power consumption rises in direct proportion to wattage. It costs you $1.725USD a month to run a 30-watt grow light nonstop for 12 hours. A 50W grow light on the same hours per month will cost you $2.875.
All grow lights draw power. Watts measures their electricity usage (W). Be careful while selecting grow lights because many are too weak. Try to choose a grow light that will adequately light your plants without spiking your electricity bill.
The farther the grow light is from the plants, the less LED light will reach them. Strong, high-quality grow lights placed closer to the plant will boost. If the plant requires strong or medium light, this will also be a factor.
Local Energy Cost
The last factor in determining the cost of your grow light electricity is how much you pay for power in your house or company. The cost will vary based on where you live and the electricity provider you're working with.
For instance, it costs you 0.16$ per kilowatt-hour to run your home's electrical system (kWh). It indicates that you are paying $0.16 per kilowatt-hour for every hour you consume electricity. Using 1,000 Watts equates to 1KW. Thus you'll pay 0.16$ per hour for every 1,000 W you use.
Use the following calculation to calculate the monthly cost of operating your grow lights: Total Kilowatts (KW) x Kilowatts Per Hour x Hours Per Day (days). You must divide the wattage by a factor of 1,000. (1,000 KW in 1 W).
If you were to use the kWh rate previously given to power a 1000 W grow light for 12 hours each day, the formula would be: 1 x $0.16 multiplied by 12 by 30 is $57.6 each month.
Using a Grow Light Electricity Calculator
The grow room electricity calculator considers several factors when calculating grow light costs. These include the type of lighting, hours per day, electricity cost, and quantity of lights. You can calculate how much power grow lights will require in seconds. It shows you actual expenses for growing houseplants with grow lights.
Flower vs. Veg Cycle
Grow light costs can be greatly affected by the number of hours you want to operate them each day. You'll spend more money each month during marijuana vegetative growth since your lights are on for longer periods (about 18-24 hours per day) than in blossom. You will run LED lights for about 12 hours per day in the flower growth.
Type of Grow Light
The same cannot be said with grow lights. LED grow lights are a go-to choice because of their effectiveness and because they don't produce much heat. Only if you buy large LED lights that cover a lot of plants, like the Spider Farmer Grow Light, will you see a difference in your electricity cost. Check out Grow Light Finder if you're unsure what type of grow light to use.
Brand of Grow Light
Make sure you purchase from well-known brands to ensure that you get a warranty and high-quality products that are more efficient than those from unknown companies. A high-quality grow light will save you money in the long run because you won't have to replace it as frequently as you would with a lower-quality brand. GE, Sansi, and Rousseau are just a few of the well-known names in the industry.
Do Growing Lights Use a Lot of Electricity?
It varies according to the lighting conditions. For example, a high-powered LED grow-light consumes a lot of energy. However, it consumes less energy than other types of light that provide the same amount of brightness.
Isn't it true that LED grow lights consume less power? That implies they're almost free to operate, and you could save a ton of cash this way. Unfortunately, that is not the case as there will still be an electric bill.LEDs save you money in the long run since they're more effective than any other light source. However, you'll still be paying a high monthly cost of running your grow lights. If you were using any other type of light like HID lights, it would be far larger.
How Much Does a 1000 Watt Grow Light Cost to Run?
It's not as complicated as figuring out how much power an LED grow light consumes. You need to know the grow light's wattage and how many hours a day it is on. You'll need to figure out how much power is being utilized by the device. The cost of electricity is expressed in kilowatt-hours. You must divide your wattage by a factor of 1,000. (1,000 KW in 1 watt).
If we utilize 800 watts as the real electrical power, the power draw is 0.8 kilowatts per hour. The charge per hour is calculated by multiplying your kilowatt-hour rate (found on your power bill) by 0.8. If you choose time-of-day pricing, your costs will fluctuate based on the day, resulting in a variable hourly rate.
To arrive at the final figure, you must multiply the number of hours a day the lights are on by 0.8 KWh. That works out to a total of 19.2 kilowatt-hours consumed in 24 hours. Following that, it's important to know your power bill.
Is It Expensive to Run LED Grow Lights?
Plant lights may be a source of anxiety for some consumers, whose monthly utility bills are already rising. A powerful LED grow-light or many powerful LEDs will use a significant amount of your budget. When compared to high-intensity discharge (HID) lights, the cost to run the lights is significantly cheaper. LED lighting is among the most efficient methods to light up a grow room.
LED light bulbs have a longer lifespan, are more sturdy, and provide equivalent or greater light energy than other light types. Changing bulbs every six months to a year is no longer necessary because of the increased lifespan of LED light bulbs. You save a lot of money by not buying new bulbs all the time.
The bottom line is that you may profit from LED grow lights by not only saving money due to their cost-effectiveness. A significant advantage of LED lights is obtaining what you want in terms of spectrum. The leading manufacturers have made LED lights with the ideal spectrum for plant development in consideration.
Tips to Lower Your Indoor Grow Room Electricity Costs
If you're only growing a few plants, switching to grow lights won't impact your monthly electricity expenditure. There are methods to cut costs for those of us with an abundance of plants in our homes.
Switch to Energy-Efficient LED Grow Lights to Save Money
Switch to LED lights immediately if you're still using incandescent lights to save money. U.S. Department of Energy (DOE) research indicated that LED grow lights can reduce electricity consumption by up to 30 percent compared to the custom lighting technologies in horticulture applications.
Reduce Hours Grow Lights Are On
Suppose you're growing your plants under a grow light for 18 hours a day. Perhaps leaving the LED light on for 12 hours a day would be sufficient for the plants? The shortened hours should be fine if the leaves keep growing and developing. You'll pay less for power.
Inspect the Grow Room's Insulation
Insulate your grow room properly. You will keep your plants warm without wasting money. Heat is necessary for germination and plant survival, and growth. If you don't properly insulate the glow room, your HVAC system will have to work overtime, and you'll wind up spending more on electricity bills.
Switching to a Less Expensive Electricity Provider
You can save money by switching to a cheaper power provider if you live in a country or state with various providers.
If You Have Access to Natural Light, Make Use of ItGrow lights may not be necessary during sunny weather, and the plants are next to the windows. If this is the case, switch them off, even if only for a few hours. You could even program the LED lights to switch on and off using timers.
Should You Lower Your Electricity Bill When Growing Plants?
Plants need light to thrive. Do not allow a lack of light to deter you from having a variety. You may save money and gain a lot of power for your plants by using energy-efficient grow lights. A better understanding of what it costs to run LED grow lights is now in your hands.
The above strategies can help you grow more efficiently. The money you save by growing your plants indoors will blow your mind. If you're using LED lights, the price will vary based on the type and the number of lights. So, if you're serious about growing, you'll want to look around for the best LED grow lights available.
|
economics
|
http://dataranking.com/exp.cgi?LG=e
| 2021-05-15T20:49:03 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243991378.52/warc/CC-MAIN-20210515192444-20210515222444-00431.warc.gz
| 0.944668 | 301 |
CC-MAIN-2021-21
|
webtext-fineweb__CC-MAIN-2021-21__0__155371565
|
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|
|About this site|
This website compares countries in the world in various ways, and describes their characteristics.
Although my central concern is Japan (that is why this website is entitled "Global Japanese Data Ranking"), I believe it is useful to any of those interested in international comparison.
I would be very happy if this website facilitates many people to think and discuss the characteristics of countries and regions.
However, I strongly advise you not to trust the figures too much. This is not only because I might make some mistake when I put them, but also because they have various "tricks" by nature.
For example, a country indicates low crime rates either because there are really few crime cases, or because the country is more ignorant of the crime.
There are also differences in the way of estimation across different countries.
Having said that, I believe it is useful to look at the figures and compare different countries in order to stimulate your intelligence and to develop your idea about economy and society.
However, I do not undertake any responsibility for any accident caused by the use of this website.
The use of the data on this website follows the policies of the source organizations below.
World Bank: http://go.worldbank.org/OJC02YMLA0
I contacted the following organizations respectively and obtained a permission to the use of the data.
Organization for Economic Cooperation and Development (OECD)
Please send your ideas and questions about this website to
|
economics
|
https://atriumhotel.com/think-realty-conference-expo-irvine-2019/
| 2020-10-26T16:17:46 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107891428.74/warc/CC-MAIN-20201026145305-20201026175305-00110.warc.gz
| 0.919609 | 571 |
CC-MAIN-2020-45
|
webtext-fineweb__CC-MAIN-2020-45__0__190641367
|
en
|
If you consider yourself a real estate entrepreneur or investor, the Think Realty training and networking event is for you! A convenient 15-minute drive from your stay at The Atrium Hotel.
These events allow you to connect with real estate professionals, exhibitors, and educators that will help you to earn more return on your real estate investments.
Coming to Irvine on July 13-14, 2019, Think Realty is a power-packed, two-day weekend event for the inside scoop on the best real estate industry tools. Stay at The Atrium Hotel and enjoy various educational sessions throughout the weekend.
The real estate workshops and sessions will cover topics such as Real Estate Wealth Building, Establishing Your Real Estate Business and Brand, Residential Property Investing, and Commercial Property Investing.
Keynote Speakers include Bruce Norris from The Norris Group and Brent Kesler from The Money Multiplier.
Breakout Training Educational Sessions will include:
- The Best Opportunities In Senior Housing For The Next 20 Years
- Non-Conventional Lending, a panel discussion
- A Presentation by Shawn Woedl of National Real Estate Insurance Group
- How to grow your Investor Business with Kelly Soto, Finance of America Commercial
- A Presentation by Clint Coons from Anderson Business Advisors
- The Money Multiplier Method with Brent Kesler, The Money Multiplier
- 3 Ways Flippers Can Access More Inventory with Bank Notes
In addition, there will be over 30 exhibitors who can provide you with various tools and services strictly focused on helping you achieve the most you can as a real estate entrepreneur. These industry professionals can assist with strategic planning, building a quality real estate investment business and marketing plan, and much more.
Access advice from Think Realty Coaches, who will take you through the five phases of establishing, maintaining, and growing a thriving real estate investment business: wealth building, best buy and hold practices, presenting your deal to private money leaders, streamlining processes, and commercial real estate investing will all be covered by these experts.
If you are serious about taking your real estate career and investing to the next level then be sure to mark your calendar for Think Realty Irvine. Early bird pricing is $65 until June 1st, so be sure to book your place early.
Looking for a convenient business travel hotel in Irvine California? Look no further than The Atrium Hotel. Located next to John Wayne Airport, it offers everything the modern business traveler needs. Contact us today to book your stay for the Think Realty 2019 conference.
Full Event Details: https://thinkrealty.com/tr-events/irvine/
When: Sat, 13 Jul 2019, 8am-5pm – Sun, 14 Jul 2019, 9am-5pm
|
economics
|
https://www.alanredunderwear.com/en/content/3-terms-and-conditions
| 2024-04-18T10:08:39 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817206.28/warc/CC-MAIN-20240418093630-20240418123630-00807.warc.gz
| 0.929375 | 3,002 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__112664220
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|
Terms and Conditions of Sale
The following General Terms and Conditions of Sale govern the offer and sale of products on our web site ("www.alanredunderwear.com"). The products purchased on www.alanredunderwear.com (hereby defined as the “Products” or the “Product”) are directly sold by Magir S.r.l. ("the Vendor"), with registered address at Via Aurelio Saffi 132 – Varese 21100 (Italy), VAT Number n. 00216790121, Share Capital Euro 10.471,00, fully paid up.
1. Our Business Policy
The Vendor offers products for sale on www.alanredunderwear.com and its e-commerce business services are available exclusively to its end users, i.e. the "Consumers".
"Consumer" shall mean any individual who is acting for purposes which are outside his or her trade, business or profession. If you are not a Consumer, please do not buy any products on www.alanredunderwear.com.
The Vendor reserves the right not to process orders received from users who are not "Consumers" and any other order which does not comply with the Vendor's business policy.
These General Terms and Conditions of Sale exclusively regulate the offer, transmission and acceptance of purchase orders relating to products on www.alanredunderwear.com between the users of the present website and the Vendor.
The General Terms and Conditions of Sale do not regulate the supply of services or the sale of products performed by third parties that are on www.alanredunderwear.com through links, banners or other hypertext links. Before sending orders and purchasing products and services from those third parties, we recommend that you verify the third party’s terms and conditions, since the Vendor shall under no circumstances be deemed liable for the supply of services provided by third parties or for the execution of e-commerce transactions between the users of www.alanredunderwear.com and third parties.
2. How to Execute a Contract with the Vendor
In order to place an order for the purchase of one or more Products following the consultation of the catalogue available at www.alanredunderwear.com, you must:
· Click on the “Add to cart” button;
· Fill in the order form with your personal data and your delivery address.[VM|LP1]
Before submitting your order form for the purchase of Products, you will be asked to carefully read the General Terms and Conditions of Sale. The order form contains a summary of these General Terms and Conditions of Sale, information on the main characteristics of each Product ordered and corresponding unit price (including all applicable fees and taxes), the type of payment that you may use in order to purchase each Product, shipping terms for the purchased Products, shipping and delivery costs, terms and conditions for returning purchased products, the Vendor contacts. [VM|LP2]
An order shall be deemed to have been submitted when the Vendor receives your order form electronically and the order information has been verified as correct. If the order is correct, you will receive a first email informing you about the execution of the order and a second email informing you about the shipment of the Product.
The order form will be filed in our database for the time required to process your order and as provided by law.
Before submitting the order form, you will be asked to identify and correct possible input errors.
English is the language used for executing contracts with the Vendor. On the present website is also available the italian version of such Terms and Conditions of Sale.
After your order form has been submitted, the Vendor will process your order.
The Vendor may not process purchases when orders are incomplete or incorrect, or the products are no longer available. In the above cases, we shall inform you by email that the contract has not been executed and that the Vendor has not carried out your purchase order specifying the reasons thereof. [VM|LP4] If the products displayed on www.alanredunderwear.com are no longer available at the time of your last access and once the Vendor has received your order form, the Vendor shall inform you of the unavailability of the ordered products within fourteen (14) days from the day after Vendor has received your order. If the order form has been sent and the price has been paid for items that are no longer available, the Vendor will refund the amount paid for those items.
By submitting an order form to and making a contract with the Vendor, you unconditionally accept and undertake to observe the provisions of these General Terms and Conditions of Sale. Should you not agree with certain provisions of these General Terms and Conditions of Sale, please do not submit your order form for the purchase of products on www.alanredunderwear.com.
3. Guarantees and Product Price Indication
The Vendor does not sell second-hand products, flawed products or products of lower quality than the corresponding market standards.
The main characteristics of products are shown on www.alanredunderwear.com on each product page. [VM|LP6]
Prices are subject to change. Check the final price of sale before sending the relevant order form.
Orders made from a Country site different from the one you are shipping to, or to addresses to which the Vendor cannot ship, will be automatically cancelled.
Should you decide to exercise your right to return purchased products, the Vendor has the right to not accept returned products that have been altered from their original status or damaged.
All products sold by the Vendor are covered by a guarantee for lack of conformity, as provided by the applicable law (for Italy 24 months). You shall inform the Vendor of the existence of any such lack of conformity within a period of two (2) months from the day when you detected the lack of conformity. Please contact the Vendor at the address mentioned at article 10 of the present Terms and Conditions of Sale.
In case of lack of conformity, you may choose between the repair or replacement of the product. If these remedies are impossible or disproportionate you are entitled to either require the Vendor to make an appropriate reduction in the price or to terminate the contract.
Payment of the product prices and relevant shipping costs must be made by using one of the payments method indicated in the order form. For this purpose it is specified that the methods of payment allowed are those included in the Visa Mastercard Maestro Circuit (except for Visa Commercial and Mastercard Commercial). It is also specified that the Bancomat circuit cannot be used for payment of the Products.
In case of payment by Credit Card, all details (for example, card number or expiration date) will be sent safely to the relevant bank, without third parties having any access thereto whatsoever. Such details will not be used by the Vendor except for performing the procedure relevant to your purchase or issuing refunds in the case of returns in compliance with the exercise of your return right or for reporting cases of fraud occurred on www.alanredunderwear.com to the police. The price for the purchase of products and the corresponding shipping costs, as indicated in the order form, will be charged to your current account only when the purchased products are actually shipped.
5. Shipping and Delivery of the Products
You can order items on our website and have them shipped to an address of your choice.
6. Customer Care
For any further information that you may need with reference to your order please contact us at the contacts mentioned in article 10.
7. Right of withdrawal
You may return products purchased from the Vendor, without any penalty and without specifying the reason, within fourteen (14) calendar days from receiving the products purchased on www.alanredunderwear.com
To return Products we invite you to alternatively:
fill in and send the withdrawal form according to article 49, par. 4 of the Italian Consumer Code available at the following link: https://www.gazzettaufficiale.it/do/atto/serie_generale/caricaPdf?cdimg=14G0003300100010110001&dgu=2014-03-11&art.dataPubblicazioneGazzetta=2014-03-11&art.codiceRedazionale=14G00033&art.num=1&art.tiposerie=SG
· send to the Vendor any other withdrawal declaration.
If you choose to use the withdrawal form, the Vendor will send you a confirmation email about the receipt of your request. If you choose to use other withdrawal declaration, you have to demonstrate the correct and timely exercise of your withdrawal right.
Once you exercise your withdrawal right according to article 7.2., you have to to return the items to the Vendor by giving them back to the courier within fourteen (14) calendar days from the date on which the items are delivered to you.
The only cost at your expense will be the ones for Product return, unless otherwise accorded by the Vendor, provided that you will use the same shipping agent used by the Vendor for sending you the Products.
The return right - besides compliance with the terms and procedures described at par. 7.1, 7.2, 7.3 and 7.4 above - shall be deemed correctly exercised once the following conditions have been fully met:
a) you filled in and submitted the withdrawal form or other withdrawal declaration within fourteen (14) days from the date you received the Products;
b) the products must not have been used, worn, washed;
c) the products must be returned in their original packaging;
d) return items must be shipped back to fourteen (14) calendar days from the date of withdrawal according to article 7.2;
e) the products must not have been damaged.
The Vendor shall refund amounts already paid as soon as possible and in any case within fourteen (14) calendar days from the date on which we became aware of your decision to exercise your withdrawal right. After having confirmed that the terms and conditions stated above have been duly complied with, we will promptly start the refund procedure as indicated in section 7.5.
The value date for the credit shall be the same as the value date of the original debit and consequently you shall not lose bank interest.
If the provisions of the present article will not be obeyed, you will be not entitled to be refunded by the Vendor. After fourteen (14) calendar days from the email of the Vendor concerning the refund refusal, you can ask the Vendor to get the Products back “as they were”. Otherwise, the Vendor will retain the Products, as well as the sums already paid for their purchase.
8. Return Policy
In additon to the abovementioned right of withdrawal, the Products purchased on the present website can be returned within 14 days from receipt of delivery, provided that they will be received in the same conditions they were shipped.
The Products must be returned according to the following instructions:
- the request must be written and must contain one of the following reasons of return:
· Product purchased by mistake;
· Wrong size (specify if it’s too small or too big);
· Product or packaging damaged;
· The shipped product is wrong;
· The shipped product wasn’t ordered;
· Product no longer needed;
· Don’t like the Product;
· Other. In this case please specificy the reason of return (other than those mentioned here above).
- the request must be sent at [email protected]
- once the existence of the right of return has been verified, the Vendor will inform you via email at the address you used to send the request of return;
- you must reserve the return of the Product within 14 days from the date you receive the communication from the Vendor, according to the instructions given by the latter.
In this case we will refund only the Price of the Product you purchased but not the expenses for the return of the Product. The risks deriving from trasnportation and return will be at your own expense. Such provisions are additional and do not preclude the right of withdrawal as described at article 7.
10. Governing Law
These General Terms and Conditions of Sale are governed by Italian law and in particular by legislative decree no. 206 of 6 September 2005 (Italian Consumer Code, Part I°) and by Italian legislative decree no. 70 of 9 April 2003 on certain aspects related to e-commerce.
Please note that the European Commission provides a platform for alternative extra-judicial resolution of disputes, available on the website http://ec.europa.eu/odr, without prejudice for the judicial remedies that the Consumer may exercise for the disputes arising from the present Terms and Conditions of Sale.
If the consumer is not italian, he/she can also apply for the procedure established by the European Council (EU Regulation 861/2007) regarding small claims (that is to say, the ones that do not exceed 2.000,00 Euros). The abovementioned regulation is available at the following link: eur-lex.europa.eu.
phone number: +39 (0)332 226038.
12. Amendments and updates
The General Terms and Conditions of Sale may be amended from time to time due to new laws and regulations or other reasons. The new General Terms and Conditions of Sale shall be effective as of the date of publication on www.alanredunderwear.com.
Prices displayed on the www.alanredunderwear.com website are quoted in Euros. While we try to ensure that all prices on our website are accurate, errors may occur.
Last update: November 11th 2019
|
economics
|
http://kites4fly.com/2022/04/05/this-year-will-be-the-year-of-company/
| 2022-07-05T18:51:58 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104597905.85/warc/CC-MAIN-20220705174927-20220705204927-00234.warc.gz
| 0.973005 | 1,309 |
CC-MAIN-2022-27
|
webtext-fineweb__CC-MAIN-2022-27__0__77996076
|
en
|
Business deals with the production, exchange, as well as sale of products as well as services for profit. Its key objective is to meet the demands of people with its product or service. Organizations can be created as a single proprietor, a collaboration, a joint stock company, or a cooperative task. Listed here are some methods to arrange your service. Read on to find out exactly how to organize your company. You can likewise think about running your own organization if you have the necessary resources as well as knowledge.
An organization is a task conducted for profit, such as making, offering, or trading products. A service is generally a business that creates and also sells services or products. Although companies may lose cash, they can still be considered services. Profit does not always suggest money payments, as it can also be a kind of safeties or barter trades. This makes it vital to clearly define your company before you start the process of running an organization. If you are taking into consideration starting a new one, you may want to consider this.
Service activities range from creating products and services to giving them to consumers. These tasks consist of financial, insurance policy, product packaging, transport, and a lot more. According to Derek F.Abell, business activities can be broken down into three primary dimensions. The two most basic methods to define a service are with its function to clients, in addition to its use of different technologies. These 3 components comprise business’s key objective. Regardless of the size of your business, you must be able to specify it properly and also develop the most effective feasible chance for profit.
What is a business? A service is any task that seeks profit by producing or providing an excellent or solution. The task is profit-oriented as well as can not include non-economic activities. The term “revenue” is often made use of in a common sense as well as can describe cash payments or protections. A solitary deal is not a service. If you offer furnishings regularly, it is a business. A business can have 2 various interpretations of earnings.
A business is an activity in which people earnings. It is a sort of activity that involves the production and distribution of a product. The supreme objective of a service is to earn a profit. Commonly, a company will certainly have many consumers and a high profit margin. However, an organization will certainly have a variety of various products and services. Some of these products might be a lot more lucrative than others. If you offer furnishings, you’re offering a service.
An organization is an activity that seeks profit. It is an industrial activity that creates goods or solutions and also markets them commercial. It is not a leisure activity. It is a legit venture. It is a legit means to earn money. A company must be legal to run an organization. Unless it has a not-for-profit status, it is not a company. A not-for-profit organization can not be a company. A business can be a charity or charitable.
A company is an activity that entails the production of products and also services commercial. It is a genuine venture that aims to profit society as well as improve the lives of individuals. While it does not have to pay, it is a genuine pursuit. It can be a pastime or it can be a full-on organization. If you sell service or products regularly, it is a company. It is a legal requirement.
An organization is a legal entity. It is a legal entity that produces goods as well as solutions. It has a distinct identity and also is owned by an entity. Its employees are in charge of the tasks of the business. A company is a kind of corporation that is legitimately obliged to pay tax obligations and pay wages. Basically, a business is a legal structure that enables you to do what you want without paying a solitary penny.
A business is a successful undertaking, but it should correspond in order to be considered a business. It has to be consistent. It can be a single deal or a series of deals. This is the meaning of a business. It does not mean that it is profitable. Rather, it is a systematic, organized process that is encouraged by earnings. If a firm is not running similarly as a not-for-profit, it is an organization.
Words company refers to an organization that seeks earnings. A company can use items as well as services to clients in return for cash. The purpose of business is not necessarily profit-making. As long as a company pursues its objective of earnings, it is a legitimate business. Nonetheless, many people have misconceptions regarding the interpretation of service. In this post, we will certainly go over a few of one of the most common myths concerning the term “service.” In addition, we will certainly analyze several of the most crucial meanings of the term, in addition to the aspects that make an organization special.
The idea of organization is the underlying suggestion that encourages a service. A service idea is a general concept that overviews the entire endeavor. A business can be for-profit, or it can serve a charitable or social reason. Additionally, a company may experience losses. An earnings is not necessarily cash, though it may be, if the purpose is to develop earnings. Some services are for-profit, while others are not. Despite the objective of the business, there is an element of danger associated with running a business.
In general, a business entails the production of goods or solutions for profit. It can be for-profit, or it can be for-profit as well as can promote a social cause. A business can be little, or big, but a business can be any kind of type of venture. In fact, a sole investor can run a business on his/her own. To put it simply, a family members can run a home furnishings store, while a firm is a worldwide organization. website
A service’s goal is to provide earnings. It can consist of any kind of task that facilitates the production and distribution of goods and also services. It can likewise consist of monetary activities like financial, insurance coverage, product packaging, and transportation. The meaning of a business can differ, yet many people will certainly concur that the key goal of a company is to generate income. A business can be a for-profit entity or a charitable one, depending on the nature of its purpose.
|
economics
|
https://kanionco.en.made-in-china.com/product/yjHmFspULWVI/China-9000BTU-12000BTU-18000BTU-24000BTU-Inverter-Mini-Split-Air-Conditioning.html
| 2019-08-25T03:23:42 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027322170.99/warc/CC-MAIN-20190825021120-20190825043120-00538.warc.gz
| 0.85753 | 913 |
CC-MAIN-2019-35
|
webtext-fineweb__CC-MAIN-2019-35__0__126633293
|
en
|
Company ProfileKanion Group (Group of companies including Kanion Group Co.,Limited & Shenzhen Kanion Appliance Co.,Limited) is a specialized, high-tech enterprise in the field of home appliances, founded in China. Our main goal is to supply high quality products, by using cutting-edge technology in the production line, while retaining cost efficiency and complying with International Environmental Protection Regulations.We incorporate latest technological advances such as Environmental Friendly Refrigerant Type, Energy Saving and Solar Technologies, in order to provide a complete pool of necessary products to cover the needs of the global community.
Kanion Group's field of expertise is Air Conditioning products. We produce and supply air conditioners covering almost all range of Residential type, light commercial type and Heavy Commercial type.
More specifically, Kanion Group supplies and exports the following products to more than 100 countries, under the brand name KANIONco:
I. Residential type: Wall Split Mounted Type, Window Type, Floor Standing Type, Portable Type and DehumidifiersII. Light Commercial type: Duct Type, Ceiling Cassette Type, Floor Ceiling Type, PTAC
III. Heavy commercial type: Water Chillers, Air Chillers, VRF systems, MINI-VRF Systems, Rooftop Packages
IV. Full functional Hybrid Solar Air Conditioners
Our production Bases are introduced as below:
I. Shenzhen Production Base: Occupies an area of 800,000 square meters, incorporates 10 production lines with over 40,000 employees. Commercial Air Conditioners produced by this Production Base are exported to more than 100 countries. SASO, UL, ETL, CE, CB and ISO qualified.
II. Foshan Production Base: Occupies an area of 680,000 square meters, incorporates 10 production lines with over 3,800 employees. Residential Air Conditioners such as Wall split mounted type, Window type, Portable type, Floor Standing type and Dehumidifiers, produced by this Production Base are exported to more than 100 countries. SASO, UL, ETL, CE, CB and ISO qualified
III. Dongguan Production Base: Occupies an area of 600,000 square meters, incorporates 8 production lines with over 2,000 employees, specialized in Portable Air Conditioners' production mainly. The Products are exported to more than 100 countries. SASO, UL, ETL, CE, CB and ISO qualified.
IV. Ganzhou Production Base: Occupies an area of 1,000,000 square meters, incorporates 15 production lines with over 6,000 employees, specialized in Heavy Commercial Type Air Conditioners' production mainly. The products are exported to more than 100 countries. SASO, UL, ETL, CE, CB and ISO qualified.
Kanion Group is experienced in resources integration. By embodying the latest advances of technology in our procedures, we manage to keep low production cost while retaining our high quality standards. We are committed to providing our buyers a strong competitive advantage over their competitors in local markets.
High quality and cost efficiency is not only our main target but also the key to expand our products and brand in the shortest time given. We, the Kanion Group, sincerely invite you to try our products and services.
Kanion Group Research and Development team is currently working on the development of new smart devices with advanced technology that will be available for every budget:
l Smart VR/AR Glasses under the brand name O'KANION
l Home AI assistant under the brand name O'KANIONProducts Features1. Streamline design which can meet Europe, The USA, Latin America and all other markets very well.
2. 3D DC Inverter System
DC Motor Of Cross Flow Fan, variable transmission of the fan speed and super quiet.
DC Motor Of Compressor, improve the engery efficiency
DC Motor Of Axial Flow Fan, Improve the ener efficiency3. HD Filter
5. Goden Fin
General Trade Term1. Trade Term
FOB, CFR, CIF are all available from us2. Payment Term
T/T, L/C, OA, PAYPAL are all available from us3.Delivery
Within 20 days for sample order; within 40 days for normal order4. Warranty
5 years for compressors; 2 years for unit.
For more information, please feel free to contact us.
Thank you so much for your supporting.
|
economics
|
http://greenspanassoc.com/
| 2023-12-09T17:45:37 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100942.92/warc/CC-MAIN-20231209170619-20231209200619-00703.warc.gz
| 0.825588 | 263 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__217784475
|
en
|
Your Source for Pension Administration
Greenspan & Associates, Inc.
Phone: (818) 708-0600
Fax: (818) 708-0801
6345 Balboa Blvd., Building III, Suite 355 Encino, CA 91316-1511
Interested in learning about our services?
Greenspan & Associates, Inc. is a pension administration firm, currently responsible for over 500 pension plans.
We help design, implement and administer retirement plan.
We are a fee-based company that provide independent and objective consulting without selling any investment products.
Please click on the news links for up-to-date information on how your pension plan may be impacted.
Let us help you in setting up your pension plan. Please contact us at (818) 708-0600 or email us for more information at [email protected].
If you’re looking for high quality and personal service, you’ve come to the right place.
At Greenspan Associates we’ll give you the attention and personal service you deserve.
This site will introduce our company, including our actuaries and pension consultants. As well, a variety of forms are available for download for existing and new clients.
|
economics
|
https://care.sg/donate-via-online-form/
| 2023-09-23T04:17:19 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506479.32/warc/CC-MAIN-20230923030601-20230923060601-00384.warc.gz
| 0.93644 | 247 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__301794943
|
en
|
Donate through Online Form
Your donations change lives!
A little goes a long way. Be it $1 or $100, every dollar counts towards supporting our youths and changing lives. Your donations are the reason that we have impacted so many, and are able to keep empowering youths to be their best selves.
Check out the impact your donations make!
Via Online Form
Corporate Social Responsibility (CSR) with CARE
Corporate Social Responsibility (CSR) is increasingly vital to the competitiveness of both local and global enterprises. By addressing their social responsibility, enterprises can build long-term employee, consumer and citizen trust as the basis of a sustainable business model for innovation and growth.
Helping at-risk youths is a social investment for long-term social cohesion and stability. Hence, CARE offers an important CSR avenue for companies with long-term business interest in Singapore. It is our pleasure to work with socially responsible corporate citizens who wish to give back by helping youths succeed. The possibilities are only limited by one’s imagination!
- Join the CARE Village today!
- Donate to CARE now!
- Contact CARE
Print a copy and mail it to us along with the cheque
|
economics
|
https://settledebt.com.au/ideas-negotiating-creditors/
| 2020-07-14T06:03:39 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593657149205.56/warc/CC-MAIN-20200714051924-20200714081924-00161.warc.gz
| 0.958094 | 234 |
CC-MAIN-2020-29
|
webtext-fineweb__CC-MAIN-2020-29__0__128718879
|
en
|
Ideas for negotiating with creditors
If you are facing sudden income changes such as reduced income or unemployment, you might resort to relying on your credit card for your daily expenses. This will shoot up your credit card debt and monthly payments and it may be harder to keep up.
Before the debt becomes too much to manage, you should set an appointment with your creditors, inform them of your circumstances, and negotiate for more manageable terms of payment.
Whether you are negotiating informally or in writing, you may try the following ideas.
- Request for a temporary suspension of payments if you believe your circumstances will change soon.
- Request for reduced payments over a longer period of time.
- Request for lower interest rates.
- Offer to pay a lump sum amount you can afford now, even if it is less than the amount you originally owe.
Your creditor may or may not agree to your proposed terms, but keep in mind that you won’t know unless you try. Be sure that you can afford the terms you will offer before you talk to your creditors.
For more ideas on negotiating with creditors, check this article from Money Help.
|
economics
|
https://talent.swissblocks.co/private-equity-partner-136653/
| 2024-04-13T20:04:11 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816832.57/warc/CC-MAIN-20240413180040-20240413210040-00562.warc.gz
| 0.907669 | 756 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__2868656
|
en
|
Are you a dynamic and visionary Private Equity professional with a proven track record of driving growth and creating value? Suisseblocks Private Equity, a leading investment firm, is seeking a strategic Private Equity Partner to join our esteemed team in Marbella, Spain. As a Private Equity Partner, you will play a pivotal role in shaping our investment strategies, driving portfolio company performance, and contributing to the continued success and expansion of Suisseblocks Private Equity.
About Suisseblocks Private Equity:
Suisseblocks Private Equity is a renowned investment firm with a focus on identifying and nurturing high-potential businesses across various industries. We specialize in providing strategic capital, operational expertise, and financial support to portfolio companies, helping them achieve sustainable growth and long-term success. Our commitment to excellence, innovation, and ethical business practices sets us apart as a preferred partner for exceptional entrepreneurs and investors.
As a Private Equity Partner at Suisseblocks, you will:
1. Play a key role in formulating and executing the firm's investment strategy, identifying attractive investment opportunities, and conducting thorough due diligence on potential targets.
2. Lead and manage all aspects of the investment lifecycle, from deal origination to execution, and actively participate in portfolio company management post-investment.
3. Collaborate with the investment team to assess, structure, and negotiate deals that align with the firm's growth objectives and risk appetite.
4. Utilize your strong network of industry contacts and relationships to source potential investment opportunities and develop new partnerships.
5. Provide strategic guidance and support to portfolio companies, identifying areas for growth, operational improvement, and value creation.
6. Continuously monitor the performance of investments, evaluating market trends and industry dynamics to inform portfolio management decisions.
7. Represent Suisseblocks Private Equity at industry events and conferences, enhancing the firm's reputation as a leading player in the private equity space.
1. Proven experience as a successful Private Equity professional with at least 10 years of relevant experience.
2. A track record of identifying and executing successful investment deals with a focus on creating value and generating attractive returns.
3. Strong financial acumen, analytical skills, and proficiency in conducting thorough due diligence.
4. Demonstrated ability to lead and mentor teams, fostering a collaborative and high-performance culture.
5. Extensive network of industry contacts and a reputation for integrity and professionalism.
6. Excellent communication and negotiation skills, with fluency in English (additional language skills are advantageous).
7. Master's degree in Finance, Business Administration, Economics, or a related field is preferred.
Why Join Suisseblocks Private Equity:
- Be part of a prestigious and reputable investment firm with a proven track record of success.
- Work in the dynamic and driven location of Marbella, Spain, offering an excellent work-life balance and a vibrant lifestyle.
- Collaborate with a highly experienced and accomplished team of professionals.
- Access to a diverse and exciting portfolio of investment opportunities.
- Opportunity to make a significant impact on portfolio companies and contribute to their growth and success.
- Competitive compensation package with performance-based incentives.
If you are a visionary and accomplished Private Equity professional looking for an exceptional opportunity in the dynamic location of Marbella, Spain, to shape the future of high-potential businesses, Suisseblocks Private Equity is the place for you. Apply now with your updated resume and a cover letter highlighting your achievements and passion for the private equity industry.
*Please note that only shortlisted candidates will be contacted for interviews.*
*Suisseblocks Private Equity is an equal opportunity employer and values diversity in the workplace.*
|
economics
|
https://www.taibaeolien.com/news/ustda-awards-grant-to-lekela-to-explore-potential-for-senegals-first-grid-scale-battery-storage-system/
| 2023-03-30T20:56:00 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296949387.98/warc/CC-MAIN-20230330194843-20230330224843-00226.warc.gz
| 0.925978 | 821 |
CC-MAIN-2023-14
|
webtext-fineweb__CC-MAIN-2023-14__0__4600556
|
en
|
USTDA Awards Grant to Lekela to Explore Potential for Senegal’s First Grid-Scale Battery Storage SystemWednesday 7th October 2020
- Battery study in partnership with Senelec at 158.7MW Taiba N’Diaye wind farm aims to provide increased grid stability and pave the way for more renewable energy capacity in Senegal
- 10-month study will provide the technical, economic, legal, and environmental analysis necessary to implement and operate the battery storage system
- 7MW Taiba wind farm commenced operations earlier in 2020 and will provide power for over 2 million Senegalese once final phase is complete
28 September 2020 – Lekela has been awarded a grant from the U.S. Trade and Development Agency (USTDA) to fund a feasibility study in partnership with Senelec for Senegal’s first grid-scale battery electric storage system. The study will focus on how to provide increased grid stability and integrate intermittent renewable energy into Senelec’s electricity grid. The battery will be located at Lekela’s 158.7MW Parc Eolien Taiba N’Diaye (PETN) project, which is itself the first utility-scale wind farm in Senegal.
The project is expected to be one of the first stand-alone battery storage projects built on an independent power producer basis and one of the first large-scale applications of battery storage in Senegal. The study, which will take approximately 10 months, will provide the technical, economic, legal, and environmental analysis necessary to implement and operate the battery storage system. If the system then goes ahead, it will help manage variable renewable energy generation in Senegal, paving the way for further wind and solar projects in the country.
Chris Antonopoulos, Chief Executive of Lekela, said: “If successful, this project has the potential to catapult Senegal to the forefront of renewable energy usage in modern day grids. Wind power has been deployed for decades in some countries, yet only months after turning on Senegal’s first ever wind farm, we are now investigating how to integrate battery storage to the site. This is the logical next step to utilise wind and solar and bring clean, cheap power to Senegal’s citizens. We’re delighted that the USTDA has awarded a grant to Lekela to advance this project in partnership with Senelec, which will be one of the largest battery IPPs in Africa.”
Once complete by the end of 2020, PETN will deliver 158.7MW of clean, renewable wind power to over 2 million people in Senegal. It forms a critical component of Senelec’s energy mix and part of the Government’s “Plan Senegal Emergent”. The wind farm will help avoid the release of 300,000 tonnes of carbon dioxide annually. The project is one of several being built across Africa by Lekela which in total has 1,300MW of wind power in operation, construction and development.
Chris Antonopoulos continued: “As West Africa’s largest wind farm, our Parc Eolien Taiba N’Diaye project places Senegal at the forefront of countries committed to the development of renewable energy. It’s fantastic to be involved in furthering this progress through this project and we are grateful to Senelec for their support and collaboration in making this project happen.”
As well as creating up to 400 employment opportunities during construction, PETN is deploying a broader socio-economic programme in the Taiba N’Diaye area creating sustainable livelihoods in the local community. Projects to improve local agriculture, provide vocational training opportunities, and refurbish or build local infrastructure is the start of this 20-year programme that will invest up to $20 million over the lifetime of the wind farm. Already, a new marketplace has been constructed for Taiba N’Diaye’s farming community and a new IT centre has been built for local schoolchildren.
|
economics
|
https://redanddead.wordpress.com/2012/08/17/friends-market-goods-for-the-garden/
| 2018-03-21T10:54:26 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-13/segments/1521257647612.53/warc/CC-MAIN-20180321102234-20180321122234-00549.warc.gz
| 0.939 | 639 |
CC-MAIN-2018-13
|
webtext-fineweb__CC-MAIN-2018-13__0__132849275
|
en
|
By LAUREN LOUDERMILK
For Beverly Morton, the Friends of the Garden annual flea market has an origin close to heart.
“Eunice Robertson, who was on the original Friends board, and I were talking one day about the fact that my husband and I go to the flea markets and we find all these neat things,” said Morton, membership services coordinator for Friends of the Garden. “And, we thought we ought to have one at the garden so the Friends got together and we did it.”
Friends, a charitable, nonprofit organization formed in 1972, holds its annual flea market to benefit the State Botanical Garden. It’s the biggest fundraiser of the year, mostly due to the effort of Friends associates.
And the work is endless.
“When this flea market ends on Saturday, we’ll start talking about next year’s flea market,” Morton said. “We first solicit to Friends members who donate things and then they tell their friends and they donate things.”
Planning the event is a group affair, pulling work from Friends members and volunteers alike. One volunteer in particular, B.J. Garrett, teamed up with Morton after Robertson retired.
“Beverly and I work so well together, it just seems we think alike and things get done in a hurry,” Garrett said.
The Friends’ flea market raises $5,000 to $6,000 just in the one day event, with all proceeds from the donated goods directly benefiting the Botanical Garden. The market boasts a wide selection of items including antiques, jewelry, luggage, gardening tools, toys, electronics and books.
While Garrett doesn’t have a favorite item to donate, she loves seeing what other people buy.
“Things you think will not sell are the first things to be bought,” Garrett said. “It’s fun to watch.”
They don’t take clothing donations, but other big sellers continue to be furniture and linens. Morton encourages students looking to decorate to stop by.
“A student could come in here and furnish an apartment easily,” Morton said. “For students coming back in the fall this is a great place to come.”
The flea market is a bazaar of eclectic items that will appeal to everyone. But, it’s Friends and the volunteers at the heart of the event who really bring it to life.
“The same people have worked with Beverly and me for most of the sales,” Garrett said. “We have fun and laugh a lot. Our workers are the greatest.”
All donations can be dropped off Aug. 13 to 17 from 9 a.m. to 3 p.m. at the Botanical Garden.
What: Friends of the Garden’s 8th Annual Flea Market
When: August 18, 8 am to 1 pm
Where: The Botanical Garden’s Visitor Center
|
economics
|
https://owentoews.commons.gc.cuny.edu/
| 2020-04-03T00:29:07 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370509103.51/warc/CC-MAIN-20200402235814-20200403025814-00327.warc.gz
| 0.938971 | 315 |
CC-MAIN-2020-16
|
webtext-fineweb__CC-MAIN-2020-16__0__228162146
|
en
|
Owen Toews is the author of Stolen City: Racial Capitalism and the Making of Winnipeg, published by ARP Books in 2018. He received his PhD in geography from the City University of New York and held the University of Alberta’s Grant Notley Memorial Postdoctoral Fellowship for research in politics, history, economy, or society of Western Canada. His work examines regional geographies of racial capitalism and the local alliances, development plans, and modes of consciousness mobilized to mediate processes of economic restructuring and to achieve regional dominance. His research documents how a regional tradition of settler colonialism – as a specific expression of racial capitalism – has made and remade Winnipeg and the Canadian North-West over the past one hundred and fifty years. Through a combination of archival and ethnographic research, Stolen City examines the capitalist development plans and buried counter-plans that have established Winnipeg’s current geography of extreme racial and economic inequality. This work draws parallels between present-day dynamics of state-led gentrification and classic late-1800s Canadian settler colonialism yet goes beyond such comparisons to trace how successive economic development plans have responded to both the intended and unintended effects of earlier regional agendas to accomplish serial dispossession. He is a founding member of the DIY museum collective Winnipeg Arcades Project, a member of the abolitionist prisoner solidarity group Bar None, and acquisitions editor for ARP Books‘ Semaphore series. Born and raised in Winnipeg, he is descended from Russian Mennonites.
Contact: otoews [at] gmail.com
|
economics
|
https://www.askbisdesigns.com/Our-Company
| 2017-04-27T11:06:56 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917122159.33/warc/CC-MAIN-20170423031202-00302-ip-10-145-167-34.ec2.internal.warc.gz
| 0.947419 | 125 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__317677414
|
en
|
After consulting with many local businesses in the Gulf Coast
area, Phillip Long and Kevin Welch, owners of Business Information Solutions, realized the local market had a need
for a reliable and professional web design company. Although there were local design companies, none could create a
top-dollar, custom-designed website at an affordable price.
In 2009, Phillip and Kevin joined forces with expert designer, Donald Johansson, to found BIS Designs, a division of BIS Technology Group. Since then, BIS Designs has grown from
a one-man web design company into a fully-staffed digital marketing firm.
|
economics
|
https://csiawards.org/booking-form/
| 2018-09-23T21:32:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-39/segments/1537267159820.67/warc/CC-MAIN-20180923212605-20180923233005-00317.warc.gz
| 0.928801 | 359 |
CC-MAIN-2018-39
|
webtext-fineweb__CC-MAIN-2018-39__0__36693350
|
en
|
Our fourth CSI Conference & Awards Ceremony will take place in Manchester, at the Gorton Monastery on Thursday October 26th 2017. Book your Place…
We anticipate a strong submission of nominees for each of the 2017 Awards and for places at the CSI Conference & Awards Ceremony 2017 and will therefore be making up to 300 places available for landlords, tenants and high profile guests and speakers.
For 2017 our plan is to make the CSI Awards into and Conference and Awards Ceremony. The event will start at 11.00am with the conference and discussion panels and the Awards Ceremony will take place after a lunch. The programme – speakers and discussions panels will be announced in July 2017.
The conference and discussion panel will take a broader view of the social housing sector, fitting in with the HCA consultation on changes to the Tenant Involvement and Empowerment Standard to ensure that tenants are meaningfully consulted. The conference will have one main objective, to establish: "What opportunities can tenants have to influence their landlords in the face of changing national picture". The focus will be on two big issues, firstly mergers – and the role or tenant and landlord in the context of the new TEI standard and secondly, how landlords fund new build - given that the White Paper hints at potential rent increases post 2020 in exchange for landlords building more new homes.
Awards will be presented by the awards judges, sponsoring organisations and additional high profile figures from housing sector.
Individual places can be booked and are available at £125.00 (+VAT), or tables for 10 at £995 (+VAT).
Individual bookings will be seated on mixed tables of 8-10 people. The Conference & Awards will comprise of tea & coffee, 3 course lunch with drinks.
|
economics
|
https://tylermeyer.shorewest.com/blog/shorewest-realtors-reports-record-year-in-2021/
| 2024-04-25T10:37:35 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712297292879.97/warc/CC-MAIN-20240425094819-20240425124819-00505.warc.gz
| 0.960147 | 544 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__14192618
|
en
|
Shorewest, REALTORS® Reports Record Year in 2021
Shorewest, REALTORS® had its best year on record, closing $3.26 billion in real estate sales in 2021. This is the highest annual sales ever recorded for the company in its 75-year history of selling real estate.
Shorewest sales associates helped 10,880 families in 2021 by successfully negotiating for their clients in this competitive market.
“Our success in 2021 is due to the hard work and diligence of our industry-leading sales associates, management and support teams,” says Joseph A. Horning, president of Shorewest, REALTORS®. “They truly put their clients first, and are committed to delivering outstanding results no matter what is happening in the market. We can’t thank them enough for all they do for their communities and clients.”
As the #1 independent, family-owned brokerage in Wisconsin, this impressive achievement in sales volume continues to secure the company as the largest firm in Wisconsin.
A market with low inventory and strong buyer demand helped drive the average sales price of homes up 9.5% (median sales price per Sq. Ft.) to $319,573. Multiple offers – often well over asking price — became the norm in 2021. With many buyers missing out on securing a home in 2021, sales are expected to be strong well into 2022.
About Shorewest REALTORS®
Through over 75 years and three generations of leadership, Shorewest, REALTORS® has served the housing needs of Wisconsin. From the vision of one man to the power of 1,200, Shorewest has grown to include 25 sales offices and a family of in-house relocation, property management, rentals, mortgage, title and insurance services. In 2021, Shorewest was named the Wisconsin’s #1 Real Estate Top Workplace for the tenth consecutive year.
Shorewest, Realtors® is Wisconsin’s Largest Home Seller™, a position it’s held since 1951. Shorewest currently controls more than 27% of the metro-Milwaukee real estate market, according to Metro Milwaukee MLS.
With innovative services such as its comprehensive internet site and apps for Apple IOS and Android devices, Shorewest leads in using technology to exceed customer experience and usability. Shorewest, REALTORS® also specializes in marketing fine homes. As a founding member of the Leading Real Estate Companies of the World®, it is a part of Luxury Portfolio International®, which features the most comprehensive marketing program and network of luxury-tier properties throughout the world.
Categories: Shorewest News
|
economics
|
https://depredict.com/official-phillips-will-be-the-new-sleeve-sponsor-for-barcelona-from-may-28/
| 2023-05-29T16:32:33 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644867.89/warc/CC-MAIN-20230529141542-20230529171542-00544.warc.gz
| 0.95241 | 466 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__162017778
|
en
|
Official: Phillips Will Be The New Sleeve Sponsor For Barcelona From May 28
In a major development, Dutch multinational company, Philips, have officially announced that they have agreed a deal with FC Barcelona to become of their main sponsors.
As part of the agreement, the logo of Ambilight TV, a technology developed by Philips, will appear on the sleeves of the Barcelona first-team jersey, starting from this weekend’s home match against RCD Mallorca on May 28.
The official statement announced by the company read: “TP Vision, the company responsible for the design, manufacturing and sales of Philips TV, Philips Sound and AOC Audio products has announced a new partnership with legendary global football team, FC Barcelona, as a Main Partner for TV, Display and Audio devices.
“As one of the club’s three Main Partners, Ambilight TV will appear on the sleeve of the men’s first-team football shirt from May 28th to coincide with the final matches of the 2022/23 season.”
Welcoming the agreement, Barcelona’s marketing vice-president Juli Guiu, said: “We are very proud to welcome TP Vision as a new Main Partner of FC Barcelona.
“Barça has always stood out for its committed quest for excellence, both on and off the field of play, and this agreement is another successful example of this because we are partnering with a world-leading company in the field of electronics and audiovisual technology.”
As part of the agreement, TP Vision will also become the TV & Display provider for the audiovisual infrastructure of the new Spotify Camp Nou once the stadium reconstruction is complete.
While the statement from Philips does not announce the duration of the agreement, it has been previously reported that they will be signing a three-year contract with Barcelona, with an additional option of two more.
Barça would earn €8 million for the first year of the contract, while the revenue will increase to €10 million for the second year and €12 million for the third.
If the option of the additional two years is taken up, the Blaugrana will earn €12 million in the fourth year and €14 million in the fifth year of the agreement.
|
economics
|
http://www.myburlingtonapartment.com/Rent-Track.html
| 2019-12-14T15:10:40 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575541281438.51/warc/CC-MAIN-20191214150439-20191214174439-00230.warc.gz
| 0.883617 | 175 |
CC-MAIN-2019-51
|
webtext-fineweb__CC-MAIN-2019-51__0__93643717
|
en
|
1. Go to their website and search for your rental address.
2. Pay rent online by eCheck or Credit Card. Securely enter your account information once for recurring payments and your rent will be paid on-time, every-time.
If paying via eCheck, an automatic fee of $2.49 will be added per payment.
If paying using a debit or credit card, a fee of 3.25% of your payment amount will automatically be added per payment.
You can easily switch your payment method whenever it suits you (like when you need airline miles for summer vacation).
3. View your latest credit score and profile. Keeping tabs on your credit is the best way to make sure it’s accurate and moving in the right direction.
70 S Winooski Ave- #283
Burlington VT 05401
|
economics
|
https://fpa-mcc.blog.hu/2009/03/22/the_changing_outlook_for_the_lisbon_treaty?token=ac18a52a781b053ad0f5243016fc4b45
| 2018-11-21T07:38:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039747369.90/warc/CC-MAIN-20181121072501-20181121094501-00552.warc.gz
| 0.962689 | 1,251 |
CC-MAIN-2018-47
|
webtext-fineweb__CC-MAIN-2018-47__0__140833418
|
en
|
BACKGROUND. The Lisbon Treaty provides the framework for reforms in the European Union, which would mean deeper integration in foreign policy and defense issues, institutional changes and tighter cooperation between member states in several other areas. The Irish vote for the Lisbon Treaty is therefore crucial to the future of the EU and even more relevant in the recent financial crisis which already triggered protectionist tendencies in every EU-country.
Ireland was the only EU member-state which decided to hold a referendum to ratify the Treaty. The referendum was voted down on 12 June 2008. There were 53% ‘No’ votes refusing the treaty versus 47% in favor by the participation of 53.1 per cent.
ANALYSIS. The most important reasons for the rejection are believed to be:
- The political and economic environment:
On the one hand, there was a general distrust against politicians, first of all against the government. On 6 May 2008 the Prime Minister (Taoiseach) Bertie Ahern resigned due to a corruption scandal and the new Taoiseach, Brian Cowen came from the same party (Fianna Fáil) and it set back the trust towards politicians just weeks before the referendum. On the other hand, Irish people already perceived the effects of the financial crisis – rising unemployment and slowing down of the economy.
- The campaign and the public opinion:
The Eurobarometer poll which was released on 18 June 2008 showed that there was a general lack of knowledge in the Irish society, respondents did not understand the offerings of the Treaty, and were not well informed about the issues at stake which were believed to be too complex and not so much worth for consideration. Furthermore, Sinn Féin, Libertas, Catholic fundamentalists and neo-conservatives clustered into an effective platform to block the Treaty while the ‘YES’-campaign with the governing parties came too late and showed inconsistency in its message and means.
- Regarding the substance of the Treaty, its critics opposed vehemently the followings:
Ireland could not maintain its military neutrality in the future according to the tighter cooperation in the CFSP while the country will loose its Irish Commissioner according to changes in the composition of the EU Commission. Besides, the Irish government could not determine the corporate tax rates independently according to changes in taxation issues and meanwhile it should implement some more liberal regulations on social issues like abortion, euthanasia or gay-marriage.
With the rejection of the Treaty Ireland blocked EU institutions and the reform process, euroscepticism rose in every country and there are difficulties in the governmental acceptance of the Treaty in other EU countries such as the Czech Republic. On the other hand, however, Ireland created a possibility to renegotiate the ‘exceptions’ within the Treaty, besides it generated a negative attitude toward the country and the government.
On the EU Summit in Brussels on 11-12 December 2008 the leaders of the EU made provisions to Ireland about the question of neutrality, social and taxation issues. Besides, there was an agreement about the withdrawal of the changes in the composition of the EU Commission – without the need of re-ratifying the Treaty in every single EU member state where the Lisbon Treaty is already accepted. Ireland promised to set a date for a second referendum before November 2009 since there is an agreement on EU-level that the ratification-process should end before January 2010. There are widespread fears speculating if the process is not concluded before general elections are held in Britain (currently scheduled for 2010), the notoriously eurosceptic British Tories might decline the British participation in the Lisbon Treaty.
Recent opinion polls show a slightly increase in favor of the Lisbon Treaty: TNS/mrbi & Irish Times 9 February – 60.7 per cent in favor; Sunday Business Post 1 February – 58 per cent in favor, and hence the government is considering a second referendum. It has at least three reasons for that, firstly the Irish society supported the Treaty of Nice in its re-run – so it gives a positive example, secondly the provisions created by the EU make the Treaty much more acceptable for the society and finally, Ireland considers the EU as essential in dealing with the financial crisis. Therefore the government aired the idea of an advanced date for the second referendum, but it is questionable whether the recent situation in Ireland enables an early date.
Three options are discussed and the decision will depend first of all on the situation of the government – whether it will be able to deal with the financial crisis and create such an environment in which a decision could be made about the referendum as well.
In the case of a pre-summer date Ireland could restore its reputation in the international financial and political communities and the recent opinion polls give a chance to a positive result. However, it is less likely to happen, because there is not enough time to explain the Treaty to the people and to hold public debates about the issue – surveys showed that last time lack of appreciation was one of the main reasons for the rejection. Besides opinion polls are very volatile due to the uncertain domestic situation and an occasional rejection would cause a far worse situation to the country and to the EU.
There is an existing date for the EU parliamentary elections: 5 June 2009 and there were talks about the possibility to hold the second referendum and the EU parliamentary elections together, however it seems to be the least likely solution due to the possible misleading linkages and there would be higher political risks at stake.
The most likely date for the referendum will be in the time period after the EU parliamentary elections and before 31 October 2009 since the factor of uncertainty is significant in the recent months due to the public opinion which is extremely volatile and influenced by the governmental decisions about the restrictions and packages. A positive vote is more possible at a time when public opinion could calm down and there is time for the government to concentrate only on this issue.
The re-run of the Lisbon Treaty referendum and a positive outcome is crucial in the continuation of the EU reform process; it could determine the future of the EU and the future of the possible common measures concerning the financial crisis as well, so a carefully selected date for the re-run of the Treaty is as crucial as never before.
|
economics
|
http://upsconnect.com.au/business-details.cfm?companyId=30&companyName=McLachlan-&-Co.
| 2024-02-27T00:56:00 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474669.36/warc/CC-MAIN-20240226225941-20240227015941-00137.warc.gz
| 0.938404 | 319 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__191026115
|
en
|
UPSCONNECT - embracing our Unley Primary School community.
McLachlan & Co.
Core Business: Commercial and Residential Mortgage Broking Category: Financial Services
McLachlan & Co. is a Commercial and Residential Mortgage Broking practice that can assist you to achieve the best possible outcome for your business or personal finances. We aim to be a trusted advisor and deliver an excellent level of authentic customer service.
Jonathon McLachlan, the founder of McLachlan & Co., has worked in Corporate and Commercial Banking for over 16 years.
During his banking career he worked as a Relationship Director for 3 of the main Australian Commercial Banks in Adelaide, Regional SA and Sydney.
Jonathon has significant experience in a number of different industries, with key expertise in;
• Professional Practice
• Manufacturing and Wholesale
• Building and Construction Services
• Property Development / Investment
Jonathon has a passion for helping his clients to achieve the best possible outcome for their financing arrangements and likes to maintain close and authentic customer relationships. As a Finance Broker, his aim is to be considered an ongoing resource for guidance and advice for all his clients.
Address: 161 Wakefield St, Adelaide, South Australia 5000 Mobile:0438 036 389
To build on our strong sense of community, the UPSConnect website has been established to enable those connected to UPS to find, utilise and support businesses linked to the school. It offers families/parents with businesses the chance to list their business, and for other members of the UPS community to access this information.
|
economics
|
https://spokko.com/corporate-information/
| 2023-12-11T08:42:38 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679103810.88/warc/CC-MAIN-20231211080606-20231211110606-00618.warc.gz
| 0.922554 | 288 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__284246985
|
en
|
INFORMATION ABOUT THE MERGER
On 31 August 2023 the District Court for the Capital City of Warsaw in Warsaw, 14th Commercial Department of the National Court Register, registered the merger between SPOKKO sp. z o.o. with its registered seat in Warsaw (KRS: 0000746503, NIP: 1132981811) (the “Target Company“) and the company CD PROJEKT S.A. with its registered office in Warsaw (KRS: 0000006865, NIP: 7342867148) (the “Surviving Company”).
The merger was carried out in accordance with the merger plan published on 20 April 2023, i.e. by transferring the entirety of Target Company assets to the Surviving Company under Art. 492 § 1 item 1 of the Commercial Companies Code (merger by acquisition) in conjunction with Art. 516 § 6 of the Commercial Companies Code. The merger took place without increasing the Surviving Company’s share capital and without exchanging shares of the Target Company for shares of the Surviving Company, due to the fact that the Surviving Company held 100% of the shares in the Target Company.
As a result of the merger, the Surviving Company enters into rights and obligations of the Target Company. The registration of the merger has the effect of deleting the Target Company from the register of entrepreneurs.
|
economics
|
https://sask.outgrowoutplay.com/franchise.php
| 2024-03-04T04:37:50 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476413.82/warc/CC-MAIN-20240304033910-20240304063910-00084.warc.gz
| 0.955387 | 3,894 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__186692006
|
en
|
OutGROW OutPLAY FRANCHISE SYSTEMS
A PROUD 100% HOMEGROWN CANADIAN COMPANY IN A RAPIDLY GROWING GENTLY-USED INDUSTRY!
Welcome to the wonderful world of OutGROW OutPLAY! We have the distinction of being the Nation’s Leading Children’s Consignment Sale Event™ franchise. Today’s Moms are more savvy and astute than ever! They want their hard earned dollars to go farther without compromising on the quality they demand. They are choosing to do business with brands that stand for more than just selling products/services - brands that are socially and environmentally responsible with a passion for bettering the world just like them. They are looking for a brand like OutGROW OutPLAY!
RESALE OR RETAIL? CAN YOU SPOT THE DIFFERENCE? PROBABLY NOT!
The only difference between buying brand new vs buying gently-used children’s items is a much lower price. Gently-used items offer the same great quality as new but at a fraction of retail making it the smart option for savvy parents! Our event sales are organized, categorized and the hottest ticket in town because they only “pop-up” a few times a year - parents love the thrill of getting a great deal. With an incredible upscale selection of children's items like clothing, toys, baby gear, books, furniture, electronics and so much more, shopping is fun, exciting and most importantly... affordable.
WHAT IS OutGROW OutPLAY?
SAVVY MOMS UNITE - OutGROW OutPLAY IS YOUR sale!
All of our success and growth we’ve had to-date is a direct result of our customers! Our Consignors, Shoppers and Volunteers have taken ownership of every sale through participation, great feedback, and most flattering...they continue to spread the word telling their friends/family how much they ♥ our sales!
Simply put, we are a group of Parent-Preneurs who are passionate about helping families within our communities to recycle all the gently-used items children OutGROW and OutPLAY seasonally. An awesome bonus is that they make money - and save a lot of money - by going green. Our Franchise Partners are the quarterbacks of the team, leading our army of Moms to tremendous savings each and every event. They coordinate and hold at least two “pop-up” MEGA children’s consignment sale events annually: one in Spring/Summer and another in Fall/Winter.
SELLERS: Parents who want to recycle and sell their gently-used children’s clothing, toys and gear, register as a Consignor on our website. They log in to Consignors Corner™ where they manage their merchandise: they learn how to consign, prepare/price and enter their items into our inventory, book a drop-off time, volunteer for a shift (if they want!), and view detailed schedules, earnings and sold/unsold items reports. Consignors drop off their items before our sale starts, where we check it for quality and then sell it for them. Sellers earn 60% to 75% of what their items sell for, and their cheque is ready within 5 business days. Easy peasy!
BUYERS: Parents, grandparents, aunts/uncles, daycare providers and teachers looking to save substantially on their children’s clothing, toys and gear, line-up to shop our highly anticipated sales - knowing that they will save 50%-90% off retail and reduce their carbon footprints a considerable amount.
OGOP: Our Franchise Partners provide a valuable, sustainable solution to parents, and earn a nice margin and generate revenue the following ways:
- 25% to 40% on every item sold
- Consignor registration fees
- Friday Night Prime Time Pre-Sale EXTRAVAGANZA passes
- Business vendors
- Consigning our own gently-used items
- OGOP Direct
- Selection of new company merchandise
As Franchise Owners, we also get first crack at the cat (5 minutes after our 4 shift volunteers shop!), which means we also save big on everything our kids need each season!
“Our unique pop-up consignment sale concept is on trend and makes us a one of a kind seasonal work-from-home franchise!” says Casandra Robinson, co-founder and CEO of OutGROW OutPLAY. “With a low franchise fee starting at just $9,799, our business is crazy affordable for anyone who has a dream to run their own family business!”
Our opportunity is an absolute fit for both working Moms and stay at home Moms alike, because our business is easy-to-manage and flexible, fitting around your hectic schedule. This allows you to ALWAYS put what's important first: your family!
You can choose to start out with a single-unit franchise which provides an excellent option to generate supplemental (working the business part-time) or full-time income. We need to note that we believe strongly in the old school principle, “You Get Back What You Put In”. ALL revenue potential is directly related to a Franchise Partners efforts - especially during the startup phase. If you are looking to maximize your investment, change your life pace (exit the rat race), and run your own full-time family-oriented business, a mutli-unit franchise may be the opportunity you’ve been searching for.
Business is booming, and OGOP is on it’s way to becoming a nationally recognized brand. Join our team of savvy Moms and start growing and playing in our eco-friendly sandbox today!
We absolutely ♥ helping families Sell, Shop and Save™. As a parent, we know and you do too (first hand!), that newborn to age six, children OutGROW the majority of their items before the “new” even wears off. Savvy Moms know that buying like-new children’s items offers them substantial savings of 50-90% off retail. Being thrifty and saving your family’s hard-earned money is not a trend - it is being embraced by budget conscious parents coast-to-coast!
HOTTEST NEW FRANCHISE SYSTEM IN CANADA!
Since 2008, OutGROW OutPLAY has been helping families take back their space by recycling and selling all the items children OutGROW and OutPLAY each season. The need for affordable children’s clothing and toys is why we’ve been able to grow from our first sale in Nepean ($16k), to $1.4 million in company revenue in 2015. Season over season (we compare apples to apples) sales have increased, and 15 sales later our Nepean location alone grossed over $250,000 in 2015. Not bad for only two sales a year! Our ability to listen to our customers, evolve our business, and meet the demands of savvy families wanting to buy and or sell their children’s clothing and gear, positions us as one of the hottest new franchise systems in the country!
Moms telling Moms, and Moms wanting to bring us to their community, was why we started expanding and offering franchises in 2011. Today OGOP is in 4 provinces with 11 OGOP sale events in Nepean, Kanata, Orleans, Saskatoon, Halifax, Mississauga, Oshawa, Barrie, Kitchener/Waterloo, Scarborough, Vaughan and Kelowna. We are super excited to be able to help you start your own OGOP sale!
We believe that every community (big and small) from Vancouver Island to Newfoundland needs an OutGROW OutPLAY children's consignment sale! Our concept is new and exciting! Instead of using the "traditional franchising" model, we have made it extremely affordable and simple for you to own your own business and get started.
“OutGROW OutPLAY has grown organically because of the positive buzz Moms are generating via old school word-of-mouth. The excitement you see from someone who walks through our doors for the first time... is incredible!” says Cas. “It’s like a switch was flicked and they are hooked. The most astonishing aspect of our business is that the majority of our first time shoppers and consignors discover us because a friend told them about their fun OGOP experience and how much money they made and saved. Moms love OGOP and we love them too because OGOP is THEIR sale!”
OutGROW OutPLAY IS A RECESSION PROOF BUSINESS THAT THRIVES IN GOOD + TOUGH TIMES TOO!
HOW BIG IS THE OGOP OPPORTUNITY?
It’s pretty BIG! Canadian parents spend an enormous amount of money providing all the extras their children want and need. On average, parents spend $785 (add 11% more if you’ve girls!) on clothing per child over two. Tack on another $515 if you’ve children under two for a whopping total of $1,300 a year. This doesn’t even include baby gear, toys, books, sports equipment, furniture and so much more!
Times are tough for Canadian families with the average household owing $1.64 (as of Jan 2016, Financial Post) for every dollar earned. In 2015 alone, Canadians spent $34 billion on second hand durables! According to MoneySense.ca, the average cost of raising a child to age 18 is a whopping $243,660. Break down that number, and that's $12,825 per child, per year -- or $1,070 per month - and that's before you send them off to university!
At over $200 billion annually, the global children’s market is bigger than the fast food industry and rapidly growing. Broken down, the baby care product market was worth 44.7 billion U.S. dollars in 2011 and is expected to increase total sales to 66.8 billion U.S. dollars by 2017, while the children's wear market is estimated to hit a value of US $173.6 billion by 2017. Right now a huge shift is happening, and buying gently-used children’s items is no longer taboo. Parents are looking for ways to save money without compromising quality.
“I believe our brand is growing because of our people, our smooth and easy process and all the amazing items our sellers consign! Consignors, shoppers and volunteers are vested in an event’s success, and they pour their heart and soul into each one.” says Cas. “Parents connect with our business because they save oodles of money without compromising quality. It makes you feel incredibly good to save a bundle, all the while knowing that they are actually making a positive and measurable environmental difference.” Check out our SUSTAINABILITY page to find exactly what OutGROW OutPLAY is doing and how we, together with our customers, are making a huge difference!
A quick glance at any facebook parenting, or buy/sell group, and you’ll be bombarded with Moms trying to sell children’s clothing, toys and gear. Right now on Kijiji there is over 150k children’s items posted for sale by their owners. In Ontario alone, 96,000 parents are re-selling children’s items daily! Every year a child outgrows more than $1,000 worth of toys, clothing and equipment. That translates into a whole lot of parents who need quality children’s products at affordable prices. This represents a TREMENDOUS growth opportunity for OutGROW OutPLAY Franchise Partners!
OutGROW OutPLAY is a simple solution to recycling and reselling all the gently-used items your kids OutGROW and OutPLAY each season!
ARE YOU A PART OF THE ECO-REVOLUTION YET?
Today's Millennial Moms are on a mission: they are savvy, socially smart, and eager to make a difference in the world. All Moms want the best for their children, and a better future to grow up in ranks at the top of their list. Since day one, OutGROW OutPLAY has been committed to supporting families by having a positive, sustainable, social and environmental impact within our communities!
- 100,000+ items change hands annually at OutGROW OutPLAY sales - with minimal packing and waste.
OutGROW OutPLAY shoppers have donated over 75,000 lbs of non-perishable food items for local food banks.
- 60,000+ children’s items - representing over $300,000 - have been donated to families in need.
- 92% of Millennial Moms want to buy products and services that support charities or bigger causes (exponential.com).
From collecting non-perishable food items to donating unsold items to families in need, to the profound environmental impact our business is making, OGOP is earning parents’ trust, one family at a time, province by province. We are a grassroots kind of company and we are building our business right!
Creating a win/win in every community we are proud to serve comes naturally to us. Bottom line is that parents feel good selling, shopping and saving a bundle with us.
THE SURVEY SAYS...
- Volunteer Shifts: 85% filled by our Consignors and 15% by non-consignors (people who want to shop sooner)
- 66% of Consignors have consigned with OGOP over 6 times (3 years)
Consignors who have sold items at more than one sale: 82%
- 70% ... the average amount of inventory sold per Consignor
- When asked, “What OGOP can do better?”, 95% of shoppers say “Have more sales” and 62% of Consignors say “Have a Women’s Sale”
- Consignors who shop OGOP’s Pre-Sale EXTRAVAGANZA: 81%
- 92% of shoppers said they ♥ OGOP, will continue shopping our sales and can’t wait for the next one
- 97% of 1st Time Parents that shop our sale say they will absolutely consign with OGOP when their children OutGROW and OutPLAY their items
- Who will tell their friends about OGOP? 98% of all OGOP customers... that’s who!
WHAT OUR CUSTOMERS ARE SAYING
Sonia G, ON: “I wanted to thank you for all the hard work you guys do to help us moms recycle our baby products. You guys are amazing and I'm proud to be one of your volunteers. I wanted to make sure you know how appreciated you are. Thank you! Can't wait till the fall sales!!”
Dana D, ON: “I just wanted to take a moment to thank you, as well as everyone else involved, for all your hard work and countless hours of preparation/execution/follow-up with these events. I remain impressed by the entire organization and all that it achieves. I was lucky that my first experience was rewarding up until the very end. Though my heart sank for some consignors who were clearly disappointed with their sales (newbies over pricing), I commend you on your continued level of respect, support and professionalism every step throughout. I have learned a lot from this process and hope to continue being part of the OGOP community in the future.”
Tammy M, ON: “Do you by chance know the dates for the Kanata sale in sept yet? Trying to book a family trip but don't want to miss that weekend!”
Sherry, SK: “Thank you all so much for the opportunity to consign with you. Most of my items sold and feel I received a better profit than if I had sold at home on my front lawn. I enjoy shopping at your sales and look forward to more shopping and consigning in the years to come! Thanks again so much.”
Gina d’E, ON: “Love your sales! Any plans to ever hold one in the summer, early July let’s say? I miss them now since I moved to New York and would love to catch one!“
Joanne R, ON: “Thanks very much for everything! This was the first time that I had items in the sale and the opportunity to volunteer. I couldn't believe how organized everything was and how well everything was organized! Thanks very much! I will be doing the spring sale as well!”
Paula D, ON: “This was my first time participating in the sale as a consignor. I can't tell you how great an experience it was for me. I love how organized and structured everything was. I will certainly take part again as my little one grows out of stuff.”
Ron G, ON: “Thank you for allowing NMHA Minor Bantam B Team White to participate in the recent OutGrow OutPlay children's sale at the Ben Franklin Dome. The boys enjoyed assisting shoppers to their cars with purchased goods. The tips received as well as your sharing proceeds with us will assist in reducing our costs this year. It was a positive experience. All the best in your future ventures!”
WHAT DOES IT COST TO BUY AN OutGROW OutPLAY FRANCHISE?
OutGROW OutPLAY’s franchise fee is minimal compared to the average Canadian franchise fees of $25,000 and up, royalties of 6% to 10%, and six figure start-up costs. It would cost you more to try and start your own sale from scratch - we know because we've been there and done it!
With the flexibility of two sales a year and our easy-to-manage systems, our franchise is sure to fit your lifestyle and schedule. You can choose to work the business part-time creating supplemental income, or you can go for it and make your dream career path being your own boss - your level of involvement will dictate your pay cheque :)
- Liquid Capital Required - $20,000 to $25,000
- Net Worth Required - $34,000 to $38,000
- Training and Support - Absolutely Included!
- Franchise Fee - $7,799 to $9,799
- Royalties - 5% of total revenue. Just like everything in life...gvt taxes are extra
- Startup Investment (everything you need to launch your business) is $8,500 to $19,000
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