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http://www.gemresources.org/reports/archives/2002-annual-report/
| 2018-01-17T13:02:52 |
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| 0.935312 | 515 |
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webtext-fineweb__CC-MAIN-2018-05__0__193236043
|
en
|
It is GEM’s mission to assist with medical and educational projects in developing countries. During 2002 GEM was able to provide the following educational and medical assistance:
- Funded six (6) cleft lip/palate reconstruction surgeries.
- Funded forty eight (48) outreach medical clinics which treated approximately 1,000 patients.
- Provided medical coverage for approximately 200 destitute patients who could not pay any or all of their hospital costs.
- Provided financial assistance to send a triple amputee to Australia for prostheses fitting and training.
- Assisted in getting $15,000 for Scheer Memorial Hospital’s medical equipment.
- Paid the salaries of six (6) instructors.
- Provide twenty (20) $600 scholarships.
We wish to thank everyone who had a part in helping GEM financially last year. All funds sent to GEM go to fund projects and no donations are used for administrative expenses.
For 2003 we would like to continue with the projects we supported last year and add two others; namely; support for orphans and support for Women’s Empowerment through literacy and vocational training. Due to the civil unrest/terrorism in Nepal there is a growing number of orphans who need our help. In Nepal there is an organization that cares for battered women and their children. GEM would like to start a literacy/vocational training program for these women and a schooling assistance program for their children.
Following is how your donations can help:
- $300 or a pledge of $25/month will cover the cost of the Outreach Clinic program for one month (16 clinics).
- $360 or a pledge of $30/month will cover the cost of one cleft lip/palate surgery.
- $420 or a pledge of $35/month will cover the cost of the Women’s Empowerment project for one month.
- $600 or a pledge of $50/month will provide a scholarship for a nursing student.
- $600 or a pledge of $50/month will cover the cost of the Medical Assistance program for one month (approximately 20 patients).
- $720 or a pledge of $60/month will provide an orphan’s food, housing, clothing, medical expenses and schooling for one year.
Any financial assistance you can give toward GEM’s 2003 projects is greatly appreciated. If we receive more funds than needed for one particular project, the excess funds are applied toward other projects.
|
economics
|
http://redwoodpreschool.org.uk/new-bank-account/
| 2019-05-26T13:27:29 |
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| 0.876852 | 149 |
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webtext-fineweb__CC-MAIN-2019-22__0__50399622
|
en
|
New bank account
Dear Parents and Carers
I am writing to inform you that we are in the process of closing our current account with Lloyds TSB Bank.
All payments to Redwood Pre-School must be made to the following account:
|Account name:||Redwood Pre-School|
Please update your online banking records accordingly and without delay.
We will notify the childcare voucher providers who we are registered with.
Our new bank account is with CAF Bank (Charities Aid Foundation), a bank which offers a full banking service exclusively to charities and includes dual authorisation for online banking, interest on current and savings accounts and has no bank charges or account maintenance fees.
Thank you for your cooperation.
|
economics
|
https://www.baulch.com.au/
| 2022-08-12T23:11:40 |
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| 0.924375 | 156 |
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|
en
|
The Baulch Group is a diversified Australian family business with a focus on innovation and sustainability in the Renewable Energy, Public Transport and Sustainable Food Sectors.
Moonies Hill Energy is an integrated renewable energy developer and asset manager with a proven track record of viable renewable energy projects since 2008.
The Sunshine Coast’s first urban mushroom farm, producing locally grown, chemical free, sustainable gourmet oyster mushrooms.
Emerald Coaches provides passenger transport services to the school, route, mining and charter markets throughout the greater Emerald area, the Bowen Basin, Mackay and regional Queensland.
H2 Energy is committed to a hydrogen economy in which hydrogen produced with zero carbon emissions using a renewable source of energy is fully integrated and utilized to enhance our daily activities.
|
economics
|
https://jaysidhutransportltd.com/scaling/
| 2021-06-15T07:43:37 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487617599.15/warc/CC-MAIN-20210615053457-20210615083457-00552.warc.gz
| 0.963863 | 457 |
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|
Weight Truck Scale Edmonton is a very useful tool that helps to know exactly how much a truck weighs in very accurate ways. Our truck scales are engineered and designed to withstand the heaviest of trucks that have materials required for stock piling. No matter what the weight or load of the truck may be, these scales will give the most dependable measurements that go a long way to ensure the efficiency of the stock piling. Our truck scales are designed out of materials that are robust and durable. They could be made out of concrete or steel, pit mounted or surface mounted, and adheres to the highest quality and performance standards of the world.
Our Weight Truck Scale Edmonton enables trucks to be weighed before they go for stock piling and after they are stockpiled. Even if trucks are overweight with the load, the scales are strong enough to support and withstand the pressure. It is important for trucks to get weighed before and after stockpiling due to the government restrictions on the amount or weight of material that can be hauled by trucks on the highways. This could depend on the weight per axle or even weight per vehicle. In order to keep within the right side of the law, it is in the interest of truck owners to get their trucks weighed on the scale after stockpiling. This ensures that the trucks are not over the stipulated weight by the government.
Following the government regulations are now easily done with Weight Truck Scale Edmonton. There are also significant benefits for private owners of quarries and other sites where trucks are filled for stockpiling. The sooner a truck is loaded, weighed, and ticketed out of the truck scale, the better it is for customers who are saving on time and money. But the more time the truck waits to get loaded and weighed at the truck scale, the more time and money is wasted for the customer, leading to delay in projects.
That is why we at Jay Sidhu Transports Pvt. Ltd. have designed a state-of-the-art weight scale that will have trucks weighed and out of the site in a very short duration of time. This reduces the loading cycle and maximizes the profits of customers who need to get their materials on time. Newer scales also have the latest technology features that further help to save time and money for customers.
|
economics
|
http://www.redbridgehealthcare.org/
| 2016-09-30T16:48:21 |
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| 0.93763 | 196 |
CC-MAIN-2016-40
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|
REDBRIDGE HEALTHCARE INVESTMENTS & PROJECTS LIMITED, also known as Redbridge Healthcare Group, is a family of businesses established in Nigeria with a focus on elevating the overall experience of healthcare in the frontier and emerging markets of Africa through:
- Creating innovative solutions that address extant challenges
- Investing in latent opportunities for future growth
- Supporting the healthcare value chain with requisite knowledge and skills
The business energy of the group is channeled towards the same industry but different markets; same goal but different approach; same key proposition but different solutions:
Using effective and affordable interventions, our businesses and solutions are ultimately geared towards achieving the Sustainable Development Goals (SDGs) pertaining to health.
We strongly believe that solving the healthcare challenges faced today in Africa will only happen through inclusive partnership efforts. Our business is therefore critically dependent on the motivation and willingness of partners around the world to provide the technology and platforms that give vibrant life to our ideas.
|
economics
|
https://pfeld.com/collections/accessories/products/gift-card
| 2019-06-25T06:02:17 |
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| 0.850667 | 154 |
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|
Gift Card — $25
The perfect gift for those out there who want a little bit of everything! Available in various amounts to accommodate all shopping preferences.
Terms and Conditions
- 1. This gift voucher can be redeemed to purchase Pfeld products only online, at pfeld.com. Unfortunately they cannot be redeemed in our Preferred Retailers at the moment.
- Pfeld gift vouchers cannot be used to purchase additional Pfeld gift vouchers.
- Gift vouchers can not be redeemed in part at this time.
- Gift vouchers must be redeemed within twelve months of purchase.
- If the order value is greater than the value of the gift voucher, the difference must be paid by credit, card, debit card, or by using Paypal.
|
economics
|
https://growthpolicy.org/featured/ed-glaeser-on-the-future-of-employment-inequality-poverty-and-joblessness-in-america
| 2019-02-20T19:17:53 |
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| 0.959999 | 2,247 |
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en
|
Ed Glaeser on the Future of Employment, Inequality, Poverty, and Joblessness in America
July 2018. GrowthPolicy’s Devjani Roy interviewed Ed Glaeser, the Fred and Eleanor Glimp Professor of Economics at Harvard University, on the future of employment, inequality, poverty, and joblessness in America. | Click here for more interviews like this one.
Growthpolicy.org. Where will the jobs of the future come from?
Ed Glaeser: Over the past sixty years, the U.S. has experienced an enormous shift from manufacturing employment to services. Europe has also followed along that trajectory. At the same time, decreasing transportation costs and an increasingly connected global economy has enabled East Asian economies, like China, to increase their manufacturing employment, but I suspect that in the medium term, machines will replace humans in Chinese industry as well.
These facts suggest that the world is looking at a future of employment largely in the service economy, especially for less-educated workers, but there are some big questions about this process. Most notably, will there be enough service jobs that can be done at a distance from the rich and skilled, or will unskilled workers need to live near skilled workers to find service jobs? Some service jobs can be done by phone or Skype, but many rely upon face-to-face connection.
In the U.S., this question is particularly important because it relates to the economic future of the poorer parts of America. There are good service jobs in San Francisco, but not in West Virginia. If long-distance service jobs are rare, then either the less skilled will need to move to San Francisco, which is hard given restrictions on housing construction, or the wealthy will need to move to West Virginia, which seems unlikely.
These same issues show up when we think about sub-Saharan Africa. It is possible that Africa will never be able to compete in manufacturing. Its low labor costs may just not be important enough as mechanization continues to proceed. If that is so, then Africa must find its own path towards prosperity through services, but that is terra incognita. Certainly, though that path is only imaginable in urban areas, which makes the urbanization of Africa particularly crucial.
Growthpolicy.org. What should we do about income inequality?
Ed Glaeser: I worry much less about income inequality than many of my colleagues. I worry about poverty. I worry particularly about the rising tide of joblessness in America. I think we should tax the rich more, not because it is bad that they are rich, but because we can use the money to fund pre-schools and employment subsidies.
I have a strong view that the policy discussion has overemphasized income inequality relative to joblessness in the U.S., and that overemphasis reflects a misunderstanding of what matters most in life. When we look at happiness data, or data on suicide, joblessness just looks far worse than earning even significantly less money. As an economist, I firmly believe that more money is preferred to less, but it is not a substitute for a sense of purpose, a sense of achievement, or the social connections that are often tied to the workplace.
In many cases, promoting employment and promoting equality are both sides of the same coin. Investing in education for less-privileged children achieves both aims. Promoting job creation with employment subsidies in lower-income areas should reduce both inequality and promote employment.
But policies that make it less attractive to hire new workers, such as higher minimum wages or more employer-based benefit mandates, may increase equality and decrease employment simultaneously, as the recent work of Jeff Clemens suggests. We need to be extremely careful about any policies that make it less attractive to hire marginal workers.
Growthpolicy.org. Your most-recent New York Times op-ed (with Professor Lawrence Summers and Ben Austin) and your Brookings paper have both received considerable press mileage. I want to point our attention to one particular passage in the op-ed which has some stark statistics: “In Flint, Mich., over 35 percent of prime-aged men — between 25 and 54 — are not employed. In Charleston, W.Va., the joblessness rate for this group is 25 percent.” I have two follow-up questions: Why do we need to focus on the topic of male joblessness as opposed to, say, that of both men and women in the work force combined? Second, I’m curious about lexicon: why “joblessness” instead of “unemployment,” or should we understand these as separate issues for economists, with different implications?
Ed Glaeser: The two questions are linked. We use the words joblessness and non-employment interchangeably, meaning not having a formal employer or being self-employed. These words are different from unemployment, because unemployment also means that you are actively looking for a job. Unemployment in this country is quite low, but joblessness is still high among men, because so many prime-aged men have left the labor force entirely. They have given up hope or gone on disability. Ignoring the population that has left the labor force means that we are ignoring one of the most problematic aspects in American society today.
If we were comparing unemployed men and women, then gender doesn’t loom so large. The two groups are both out of a job and eager to get one. But women and men often leave the labor force for different reasons; consequently, female non-employment is just trickier.
For most of the last 75 years, female employment-to-population ratios have increased steadily as women have entered the labor market. There has been some decrease in that ratio since the peak about twenty years ago. In some cases, female non-employment is quite similar to male non-employment and in that case, it deserves exactly the same policy attention. In other cases, female non-employment is quite different and reflects a relatively voluntary decision to be productive in the home.
The geography of female non-employment is quite different. Rates of female employment follow a north-south division. Rates of male non-employment are highest in the eastern heartland which starts in Louisiana and Mississippi, runs through Appalachia and then ends in the Rust Belt.
When female non-employment occurs for the same reasons and has the same outcomes as male non-employment, it is just as problematic and needs the same attention. When women leave the labor force for family-related reasons, there are also profound policy concerns, such as whether employers are providing appropriate levels of work flexibility. Those issues are also worthy of attention, but they are somewhat different from the issues that surround long-term male joblessness in the eastern American heartland.
Growthpolicy.org. Your essay “The War on Work—and How to End It” depicts such a heartbreakingly poignant picture of joblessness in America it reminds the reader of James Agee’s Let Us Now Praise Famous Men and John Steinbeck’s The Grapes of Wrath. I was struck by your argument that “American entrepreneurs can solve our joblessness crisis only if the U.S. stops incentivizing joblessness” and that “every underemployed American represents a failure of entrepreneurial imagination.” What policy measures, both immediate and over the long term, do you believe would get us out of the morass of the present situation?
Ed Glaeser: I think that the most important step is to start subsidizing employment, especially in America’s most distressed regions. This can be done with a wage subsidy that goes directly to workers, effectively increasing the minimum wage without putting a burden on workers. Alternatively, the money can be paid directly to employers and workers may not see their wages increase so much. Columbia economist Ned Phelps deserves the most credit for pushing the general idea of a wage subsidy. I think that there is at least some case for making such a subsidy larger in regions where joblessness is more prevalent.
A similar policy would be to reduce or eliminate the payroll tax for America’s poorest workers, which was done temporarily after the onset of the Great Recession. This would also effectively reduce the payments that firms need to make and increase what workers take home. Again, the goal is to make it more attractive for firms to create jobs and for workers to come to those jobs.
A third lever is to focus on other barriers to entrepreneurship. We regulate the entrepreneurship of rich people in this country much more lightly than we regulate the entrepreneurship of poor people. It is much easier to start your internet phenomenon in a Harvard dorm room than to open a grocery store in Dorchester. We need to make it easier for those people who would create jobs in the urban service economy to get the permits they need.
Finally, education remains extremely important. We need better vocational training in the U.S. I tend to support vocation programs that wrap around traditional schooling, over summers and on weekends and after school. These skills can be provided by independent entities, including labor unions, professional educators, and private companies. The skills they provide can be readily evaluated at the time of graduation and payment can be made contingent on performance.
Growthpolicy.org. You have written some landmark research papers in the field of urban economics. What are some policy interventions or workable legislation you would like to see related to housing supply and housing regulations?
Ed Glaeser: As you clearly know, I am passionate about over-restriction of new construction in the wealthier parts of the U.S. It will be much easier for poorer Americans to find a future in the service economy if they live near richer Americans. It will be much easier for them to live near rich Americans if there is more housing built in richer metropolitan areas.
There are two plausible reforms. First, within big cities there is already some momentum to allow more construction. I know that Mayor Walsh and BPDA Chief Brian Golden want to create more affordable housing for ordinary Bostonians. The main need is to have a city-wide zoning plan that allows significant densification AS OF RIGHT. If we can avoid a seven-year permitting battle for every project, this will make things much easier.
In the suburbs, there is no appetite for much up-zoning, and so the question is how to create more of an appetite. There are two main possible paths. Following Massachusetts Chapter 40B, the state can just override local zoning. In think that this may make some sense close to state-provided public transportation, where densification is particularly natural. Following Massachusetts Chapters 40R and 40S, the state can also essentially bribe NIMBYist communities to build. My preferred strategy would be to levy from rich communities that don’t build and transfer resources to poorer communities that do build. As in many cases, promoting affordability through increased supply can be both progressive and libertarian.
|
economics
|
http://www.ivybusinesscentre.co.uk/
| 2015-07-03T07:52:05 |
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| 0.905792 | 485 |
CC-MAIN-2015-27
|
webtext-fineweb__CC-MAIN-2015-27__0__72934955
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en
|
Ivy Business Centre is a large multi-occupancy business on the outskirts of Manchester comprising of 116,000sq ft of mixed office and storage space on a 4 acre site. Located off junction 22 of the Manchester orbital motorway M60, onto the A62 towards Manchester City centre.
What can Ivy Business Centre offer you:
Offices which can be customised to suit client’s needs.
Easy motorway access
High Security CCTV systems
Low monthly fees
Flexible contracts 3-6 or 12 Months
Dedicated management team on site
Spaces from 100 Sq Ft up to 25,000 Sq Ft
We offer high quality, affordable serviced office accommodation and business suites. Giving businesses the flexible, environment and business services they deserve, to compete in today’s business office market.
Our devoted business management team will take care of you - while you take care of business.
Our conference facilities, meeting rooms, and business suites are also available to hire for your convenience.
Ivy Business Centre is home to a vibrant business community where clients can mix in a comfortable business environment.
Here are just a few bespoke services that Ivy Business Centre has to offer:
FREE Car parking for all business centre companies and guests for up to 200+ cars
Enjoy coffee & snacks in our in-house cafeteria
Virtual office and PA call answering services
Business hub & networking facilities
Business printing, photocopying & mailing services
Ivy Business Centre has a strong reputation of providing a professional and personal service of the highest standard.
Ivy Business Centre is an independent, owner-managed business centre, with over 10 years of experience in business centre & office space rental.Terms & conditionsPlease review our terms and conditions by clicking here.
Get in Touch
“Building the business lifestyle that you want” – Vision statement.
Ivy Business Centre Manchester operates 150,000 sq ft of work space across Manchester. Our primary products are serviced offices Manchester, warehouse/manufacturing & storage located within our business centres throughout the area.
We deliver serviced office space in Manchester superbly. Our ethos always has and always will be about providing excellent value for money, and this is why we supply ‘all-inclusive office products’ packaging both serviced office space, IT & Telecommunications into one low monthly bill.
|
economics
|
http://www.nccsc.net/essays/price-everything-value-nothing
| 2019-02-21T20:37:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247508363.74/warc/CC-MAIN-20190221193026-20190221215026-00586.warc.gz
| 0.952469 | 6,322 |
CC-MAIN-2019-09
|
webtext-fineweb__CC-MAIN-2019-09__0__48815786
|
en
|
The Price of Everything, the Value of Nothing
The quotation in my title is, of course, from Oscar Wilde. As an aesthete who believed in art for art’s sake, he drew a sharp line between the values of artists and the values of those who must sell, buy, work for hire or profit from business.
Certainly, the money view of things by itself cannot replace our aesthetic, moral or rational conscience, at least not as presently understood. But to attempt to cut off art, ethical values, and the pursuit of truth altogether from the market may be as harmful as to judge everything by its market price. We shall be living with more or less free markets for the foreseeable future. What we need is a human economics, a kind of understanding of the market that includes the moral, spiritual, veridical and aesthetic relationships among persons and things. It is clear that we should revise the mechanistic notion of economics that we have inherited from the last few generations of our troubled recent history. Must we find a new language for it?
The answer, surprisingly, is no. And this is where I begin, with Shakespeare, and what I regard as the sanest and most helpful view of money and its relation to literature, the arts, ethics and human flourishing in general. In plays like The Merchant of Venice Henry IV 1 2, Lear and The Winter’s Tale and in the Sonnets, Shakespeare shows us that buried within our existing language of finance and business are the living meanings that we seek. Such words as bond, trust, goods, save, equity, value, mean, redeem, redemption, forgive, dear, obligation, interest, debt, honor, company, balance, credit, worth, due, duty, thrift, use, will, partner, deed, fair, owe, ought, treasure, sacrifice, risk, fortune, venture, and grace preserve within them the patterns of action, qualities, abstract entities and social emotions that are found in the reciprocal gift exchange system of our personal relationships. Indeed, these words, whose meanings are inseparable from their economic content, make up a large fraction of our most fundamental vocabulary of values.
The core questions of economics are: what is value, and how it is created? These are mysterious questions, not accessible to the mathematical methods of the academic discipline of economics, which deals admirably with how “utility”—the technical term for value—is exchanged, stored, communicated, regulated and gauged, but which remains prudently silent on the nature and origin of “utility” itself.
Perhaps poets, storytellers and artists can tell us more than economists can about what value is in itself. Poets must be always exploring the subtle chemistry of the meaning of words, and the old and new ways in which human beings come to desire and cherish that meaning. Poets spend their lives making value out of combinations of words that have no economic worth in themselves, being common property, infinitely reproducible and devoid of rarity value. Musicians and composers do the same with economically valueless bits of sound; painters do it with bits of ground-up earth mixed with water or oil or plastic and stuck to rough cloth; sculptors do it with big chunks of rock. William Shakespeare, for instance, became one of the richest commoners in England—a media tycoon of his day—essentially by combining words in such a way as to persuade people to pay good money for them. Where poets and artists blaze the trail, economists and business people follow, usually without knowing who made the path in the first place.
Shakespeare made us conceive an economy as like a theater company, a troupe of actors, whose interactions generate the plot of the play. He taught us practically how life with others is not necessarily a zero-sum game but an arena where all may profit and competition increases the payoffs for everyone. No playwright saw better than Shakespeare the inner economy of a play, the way that value is created collectively and the deep analogy to the economics of a human community. All the world’s a stage.
Shakespeare’s core insight is that human-created value is not essentially different from natural value. The market is a garden. The value that is added by manufacture, and the reflection of that value in profit and interest, are but a continuation of nature’s own process of growth and development. The creative processes that produce a wild flower, a domesticated animal like a dog or horse, a yeasty loaf of bread, a violin, a house, a clock and a poem are not in Shakespeare’s opinion fundamentally different. They are all nature naturing, giving birth to new and more valuable forms of existence by recombining old ones. And if it is natural for value to increase, then it is also natural for the symbolic store of that value, money, to increase by compound interest. In this, Shakespeare was defying the traditional doctrines of all three of the major religions of his world, that making money breed was wrong. Shakespeare proposes a kind of gardening economics, a technique of growing value rather than extracting and exploiting existing stores of it embodied in raw materials such as topsoil, ores and fossil fuels, or in the youthful strength of the laborer.
For Shakespeare, economic exchange is the embodiment of human moral relations. He does not make a strict distinction between personal rights and property rights. For him, personal love cannot be divided from the bonds of property and service that embody it. “I love you according to my bond,” says Cordelia to her father, King Lear. His rage at her for this plain truth is the beginning of a tragedy and a totalitarian political revolution. In As You Like It, Shakespeare defines marriage as a “blessed bond of board and bed,” in which three “b” words, “blessed” (the emotional and spiritual element), “board” (the material and economic element) and “bed” (the sexual and reproductive element ) are likewise combined in a fourth, the “bond” of the nuptial contract (V.iv.122). The intangible elements of the contract—love, spiritual communion, friendship—can be cashed, or in Shakespeare’s suggestive word, “redeemed,” in material terms. For Shakespeare, value must be embodied to exist, just as the inscription denoting the denomination of a coin is embodied in the intrinsic value of the metal of which it is made.
But what happened to this view of things, in which market price is an indispensable part of our value system, without replacing higher values? Writers in the Renaissance began to be accorded cultural prestige as celebrities. They wanted to be seen as aristocrats, whose system is not commerce but the ancient technique of giving to the poor, making them dependents and recruiting them as serfs, retainers or liegemen (rather than employees). They started to take on the affectation of contempt for money. Take Jonson’s The Alchemist, where funny money is contrasted with honest gentlemanliness: the market is imaged as fakery or prostitution. Unlike Shakespeare, Jonson published his plays, as if they were Latin Classics, like the ones in his patrons’ libraries. Writers were beginning to try to become respectable, and thus encountering a disjunction between the means of their livelihood—profitable publication—and the aristocratic company they wanted to keep. Jonson is an honest artist, though, and knows at bottom that, as an illusionist, he is not so different from Face and Subtle, the fake alchemist and the conman. Visual artists like Holbein and Hilliard also began to identify with the noble families with whom they worked; so, too, did composers like Byrd, Campion, Dowland and Gibbons. In what follows, I shall use writers as examples of how artists in general struggled with the demands of artistic integrity and market discipline; but I believe that painters, sculptors, composers, architects and performing artists faced the same kind of challenges.
The great poet John Milton (1608–1674), no special respecter of aristocrats, was in some ways a sturdy supporter of the free market, and his great attack on censorship, Areopagitica, is in many ways a defense of the free market of things as well as of ideas. His republicanism included a denunciation of monarchy itself. Charles I, whom Milton later hounded to the executioner’s block, had aroused the ire of the Parliamentarians partly by the use of market-destroying economic monopolies to raise money to pay off the debts of the government. But in Paradise Lost, Milton paints the hellish kingdom of Satan as a place of extravagant wealth and wasteful display.
In contrast to artists in other genres, writers were relatively privileged. The Law Courts and the Civil Service could give employment to writers—Chaucer had been the equivalent of the government trade minister, and Milton would serve as a Member of Parliament—and this meant that they were relatively free from the discipline of the market.
Writers could also find employment in the Church, which brought with it its own set of problems. Both Chaucer and Milton (who chose not to become an Anglican minister) are searingly critical of what seemed to them religion for sale. One factor in the ambivalence of the writing classes about markets and money was the writer’s search for a “living” in the Church. Given the virtual absence of copyright law, a writer could not defend himself from piracy and make a living from his writings. Not wanting, as Shakespeare laments to his aristocratic friend, to go to and fro and “make himself a motley to the view,” perhaps he could, like a university professor today, use his writings to attain tenure in an institution of learning—in those days, basically the Church. John Donne (1572–1631) was an impoverished scribe until he found favor with the church authorities and became a Dean. Later the search for a nice fat church benefice or “living” became the subject of countless novels by Jane Austen, Antony Trollope and others.
There is an obvious and deep ambivalence in the work of the ordained writer. Some priests, like Robert Herrick, used their economic freedom to gather rosebuds while they might. A saintly priest like George Herbert (1593–1633) or Thomas Traherne (1636–1674) accepted the humble conditions of obligation in religious life. The root “lig” (meaning “bond”) in both words signals the constraints of his calling. He realizes that he is, in a sense, an employee or contractor of his church. In this poem, Herbert uses the language of property and commercial law to describe the astonishing gift of salvation:
Having been tenant long to a rich Lord,
Not thriving, I resolvèd to be bold,
And make a suit unto him to afford
A new small-rented lease and cancel th'old.
In Heaven at his manor I him sought.
They told me there that he was lately gone
About some land which he had dearly bought
Long since on earth, to take possession,
I straight returned, and knowing his great birth,
Sought him accordingly in great resorts,
In cities, theaters, gardens, parks, and courts.
At length I heard a ragged noise and mirth
Of thieves and murd’rers; there I him espied,
Who straight "Your suit is granted," said, and died.
But the rift between literature and the market widened. John Dryden (1631–1700) and Alexander Pope (1688–1744) are vitriolic about the commercial publishing industry of their day. In Dryden’s “Macflecknoe” and Pope’s Dunciad, they excoriate the literary scene, as in this passage from “Macflecknoe”:
No Persian carpets spread th'imperial way,
But scatter'd limbs of mangled poets lay:
From dusty shops neglected authors come,
Martyrs of pies, and reliques of the bum.
Much Heywood, Shirley, Ogleby there lay,
But loads of Shadwell almost chok'd the way.
It is with the Romantics that the true literary assault on market capitalism begins. Here I must question many of my dearest literary friends, especially William Blake (1757–1827) and William Wordsworth (1770–1850). Here is Blake on industrial London:
I wander thro' each charter'd street,
Near where the charter'd Thames does flow.
And mark in every face I meet
Marks of weakness, marks of woe.
In every cry of every Man,
In every Infants cry of fear,
In every voice: in every ban,
The mind-forg'd manacles I hear
How the Chimney-sweepers cry
Every blackning Church appalls,
And the hapless Soldiers sigh
Runs in blood down Palace walls
But most thro' midnight streets I hear
How the youthful Harlots curse
Blasts the new-born Infants tear
And blights with plagues the Marriage hearse
Certainly, Blake is attacking the institutions of the state and the legalization of human relations as much as he is bemoaning the marketing of sex and the extremes of wealth and poverty in the great city. But even Marx recognized that country life for the poor in England’s “green and pleasant land” was a state of “rural idiocy,” and the industrial wage slave was better off than the rural vagrant. Wordsworth, too, famously despises the filth and corruption of commercial London, and in his early years was an ardent supporter of the French Revolution. Getting and spending, he confesses, has laid waste his own powers.
As the novel emerges as an artform, and copyright begins to be observed, the tension between literary high-mindedness and profitable book sales increases. Daniel Defoe’s Moll Flanders is a whore, but a successful one. She has managed to transform the sex-for-sale transaction into a memoirs-for-sale one: on the level of the fiction, what is bought is moral redemption, and, on the level of Defoe’s authorial reality, it is the sale of Moll’s fictional sins in exchange for Defoe’s literary profit. In Defoe’s Robinson Crusoe (1719), Crusoe uses all the accumulated technology and psychological discipline of European market progress to make himself comfortable and make a slave of Friday, the native tribesman. Defoe (1660–1731) here anticipates Smith’s Wealth of Nations (1776, a date we may recall), where Smith points out that European technology, created by the market, can multiply the value of work a hundredfold.
Samuel Richardson’s Pamela, underneath its refined veneer of virtuous sentiment, is basically about the sale of virginity versus the sale of the written word. It is Pamela’s literary production—her letters—that eventually free her from the threat of sexual bondage and ruin, and gain her the riches of Mr. B’s estate; and Richardson (1689–1761) sells the book.
Here we must acknowledge the importance of Immanuel Kant (1724–1804). Kantian morality opposes both Aristotelian gentlemanly virtue and mercantile honesty, and casts doubt on the Shakespearean synthesis. He despises England as a nation of shopkeepers. For him, it is maxim and duty that define the good, not the modest mutual benefit to be found in contracts and exchanges. Why? because the latter involve personal interest and cannot pass Kant’s test for ethical impartiality and liberation from the deterministic chains of natural motivation. To be a human being is to be free; nature (as shown by Newton and Laplace) is a deterministic machine. To act freely and enter the realm of moral value, one must have separated oneself from one’s material nature, in other words, from whatever pleasure or pain one might obtain from action. This is a new kind of philosophical high-mindedness: morality is explicitly defined as not what happens in a market, because market exchanges always serve the participants’ interests, rather than any abstract maxim of conduct.
On the other hand, Jane Austen (1775–1817) is the soul of good sense, like Shakespeare. In Pride and Prejudice, Austen defends commerce as a respectable calling by means of the example of the Gardiners (a significant name), who are despised by the aristocrats and clergy in the novel for being in “trade.” They actually turn out to be the benevolent instruments by which Elizabeth and Darcy find true love with each other. In a memorable passage, despite Elizabeth’s determination not to sell herself for money, she reflects that “to be mistress of Pemberley [Darcy’s magnificent estate] might be something.” There is a prospect of a world in which markets, morality and literature can coexist.
In France, the ambivalence continues, and erupts into the French Revolution, with a huge increase in the power of the state and the delusory prospect that maybe the state can replace, or at least dominate, the market. Honoré de Balzac (1789–1850) was both a royalist and an embryonic socialist. He was later quoted by Marx and Engels, the great enemies of the capitalist marketplace. Victor Hugo (1802–1885) called himself a socialist, but believed in free enterprise and the market, and distrusted government employment. Many have seen the play or film of his Les Misérables, with its revolutionary ending, which rather distorts his message. After all, Valjean is himself a successful capitalist, who has provided employment for hundreds.
Charles Dickens (1812–1870) is a great hero of the anti-capitalist left. But the left misinterprets him: Dickens is actually a good friend to productive business, but believes strongly—as we see in A Christmas Carol—in spending and keeping up the velocity of money. He is not against trade and the money economy, but he is very much in favor of generosity, charity and the gift economy. Bleak House can be read as an indictment of British industrial capitalism, but it can also be read as an attack upon the Chancery court system, with all its government-sanctioned corruption, distortion of market fairness and rent-seeking. He is certainly not the socialist, or even the Fabian, that some have made of him. His sympathy for the working class, epitomized by the character of Jo Gargery in Great Expectations, is balanced by his sympathy for the wretched convict Magwich, who makes his fortune by business enterprise.
Anthony Trollope (1815–1882) is generally not unfavorable to the marketplace, though as an arena for meaningful human action, he clearly regards it as inferior to the world of inherited landed wealth. But in The Way We Live Now, he delivers a searing denunciation of London business dealings, sadly casting a Jewish banker as the villain of the piece.
George Eliot (1819–1880), nom de plume of Mary Ann Evans), in Middlemarch, celebrates Dorothea’s liberation from inherited property and the constraints upon women that such non-market forms of ownership imply. But unlike Eliot herself, who became independent by selling her books, Dorothea becomes the helpmate of a proto-Fabian socialist politician, Ladislaw, who is trying to use government to liberate people from want. Still, Eliot is not a foe of the market as such. Mrs. Gaskell (1810–1865) and Beatrix Potter (1866–1943), who also became financially independent by selling their writings, are similarly down-to-earth. Elizabeth Gaskell does not attack entrepreneurial business itself, but its abuse. It is interesting that the women writers, who had experienced their escape from conventional sexual roles in the liberation of selling their writings into the market, are much less inclined than the men to despise it and bloviate about the evils of capitalism.
Thomas Hardy (1840–1928) bemoans the destruction of traditional rural mores by the new industrial wealth—though he clearly sees the flaws in the old morality. For Hardy, there are no easy answers: his is a tragic vision. Here is D.H. Lawrence (1885–1930), in one of his letters, making a similar complaint:
In my father’s generation, with the old wild England behind them, and the lack of education, the man was not beaten down. But in my generation, the boys I went to school with, colliers now, have all been beaten down, what with the din-din-dinning of Board Schools, books, cinemas, clergymen, the whole national and human consciousness hammering on the fact of material prosperity above all things… the industrial problem arises from the base forcing of all human energy into a competition of mere acquisition.
With the advent of modernism, we get a perfect storm of literary hostility to the market. To the old motives of quasi-aristocratic scorn for trade, Romantic nostalgia for bucolic simplicity and Kantian high-mindedness, are now added Marxism, with its ideological critique of capital, and existentialism, which, in Jean-Paul Sartre (1905–1980) and sometimes in Albert Camus (1913–1960), demonized the abstraction, inauthenticity, and bondage of market morality. In America, novelists like Theodore Dreiser (1871–1945), John Dos Passos (1896–1970), Upton Sinclair (1878–1968), Richard Wright (1908–1960), Ralph Ellison (1914–1994) and John Steinbeck (1902–1968) embodied various versions of this tempest.
The poets either ignored or ridiculed the market, with the exception of Ezra Pound (1885–1972). Ezra had true greatness and insight on this issue. At least, he realized the profound importance of what, in Marx’s distorted insight, is a central fact of the human condition: the irreducible connection and tension between price and value, the blessed bond of board and bed. He got it terribly wrong, of course. His gold-standard economics, his enthusiasm for the ideas of Lenin and his statist Confucian morality led him directly into the embrace of Mussolini and even an unwitting complicity in the murder of the Jews. Here is part of his great rant against usury (Latin “usura”), the practice of taking interest by banks and professional lenders:
wool comes not to market
sheep bringeth no gain with usura
Usura is a murrain, usura
blunteth the needle in the maid’s hand
and stoppeth the spinner’s cunning. Pietro Lombardo
came not by usura
Duccio came not by usura
nor Pier della Francesca; Zuan Bellin’ not by usura
nor was ‘La Calunnia’ painted.
Came not by usura Angelico; came not Ambrogio Praedis,
Came no church of cut stone signed: Adamo me fecit.
Not by usura St. Trophime
Not by usura Saint Hilaire,
Usura rusteth the chisel
It rusteth the craft and the craftsman
It gnaweth the thread in the loom
None learneth to weave gold in her pattern;
Azure hath a canker by usura; cramoisi is unbroidered
Emerald findeth no Memling
Usura slayeth the child in the womb
It stayeth the young man’s courting
It hath brought palsey to bed, lyeth
between the young bride and her bridegroom
They have brought whores for Eleusis
Corpses are set to banquet
at behest of usura.
Perhaps Pound did not realize that Johann Wolfgang von Goethe (1749–1832) had already refuted his arguments in the second part of the Faust. Goethe’s brilliant argument for paper money is, finally, an argument for both economic progress and human flourishing. But few actually read, and fewer understood, the point Goethe was making, and writers went on trying to enforce a transcendence of the market that can only come, as Blake reminds us, through the palace of excess. Human beings must become bored with wealth before they can afford the luxury of rising above the marketplace. Writers, accustomed to having sentences come out as they wish, hate the economic strings attached to art. They continue to try to push strings, when the way to use strings is to pull with them.
American Vietnam era poets continued the theme: Allen Ginsburg (1926–1997), Gary Snyder (1930–), Robert Bly (1926–), among many others. In their view, the evil American military-industrial complex was trying to turn a beautiful Asian country into another blighted market economy. Of course, the irony is that victorious Vietnam was “liberated” from a regime that supported traditional family and agrarian virtues, and is now a bustling capitalist country.
Eco-feminists like Doris Lessing (1919–) and Joanna Russ (1937–2011) continued the tirade against the market. David Mitchell’s brilliantly written Cloud Atlas is another massive assault on the system that has doubled world life expectancy, provided education to half the planet, liberated women and minorities, and created democracies now outnumbering the traditional tyrannies across the globe. But Mitchell (1969–) seems to have recently changed his mind: his new novel The Thousand Autumns of Jacob de Zoet concerns Dutch traders in Japan, and is not unfriendly to business enterprise.
But there were always counter-currents: Buckminster Fuller, with his do-it-yourself technological economics, inspired many writers, such as Robert Pirsig (1928–). Libertarian free-market anti-state control science fiction writers like Robert Heinlein (1907–88), Eric Frank Russell (1905–78), Poul Anderson (1926–2001), and many others continued the optimistic free-market dreams of H.G. Wells and Jules Verne. I need not mention Ayn Rand (1905–82). I can remember the seeds of Boomer laidback technological capitalism in the Whole Earth Catalog, and watched that ethos give birth eventually to Apple and Google.
Black writers were ambivalent. Traditionally, freed slaves like Phyllis Wheatley (1753–84), Frederick Douglass (1818–95) and Harriet Jacobs (1813–97) just wanted a fair shot at the marketplace. Capitalism was the great liberator; the capitalist North defeated the agrarian South. But the civil rights movement became entwined with Socialist ideology: ultimately, very strange bedfellows. It was Hitler’s State Socialism (not capitalism, as Schindler’s List reminds us) that committed the racist Holocaust; and Stalin’s international socialism committed the racist atrocities of Babi Yar. “Nazi” is short for national socialism.
Shakespeare and Austen are not alone in having fully transformed the problem of value and price into a creative dynamo. There were always saner voices, like Thomas Mann (1875–1955), with his sober acceptance of middle-class industriousness and inventiveness, and his vision of spiritual adventures that can still await his bourgeois Hans Castorp. Or Walt Whitman (1819–92) and Carl Sandburg (1878–1967), with their exuberant celebration of American industrial progress and social transformation. Or Vladimir Nabokov (1899–1967), with his rapturous and only half-ironic paean to American bourgeois pop culture. Today, there are poets who welcome a marketplace that liberates us and renders us less the peons of the state.
I believe that there is a new basis for a unified—if tensed—theory of value-genesis or value-creation. The word value can rightly carry over from numerical value to market value to political value to truth value to moral value to aesthetic value, as long as we can distinguish the increase of reflexivity, feedback and reflection as we ascend the scale. We see emergent orders with specific sets of rules but unlimited powers of generation in many kinds of systems: evolutionary ecologies with their emerging ecological niches and new species, markets with their infinitely subtle interplay of price, value, need and desire, the scientific community’s self-criticizing system of truth-discovery, common law with juries, adversarial procedure and judicial review, and the United States constitutional system of checks and balances. Each of these is what chaos and complexity theorists call a “damped, driven dynamical system” that explores new informational spaces and generates novel, spontaneous forms of self-organization. In these autonomous systems with their characteristic “chaorder” and nonlinear causality, direct deterministic cause is no longer a coherent concept, and freedom—which Kant rightly saw as essential to both morality and art—finds a natural home. And the market need no longer be seen as the evil Other for the serious writer. Values are generated by the new emergent games of feedback and reciprocity, just as the value of the $500 bill in the game of Monopoly is generated by the game itself, and as the meaning of a poem is generated by the arrangement and choice of words and the creative constraints of meter and rhyme.
Using this emerging understanding of complex feedback systems, literature may now begin once more to tackle the huge issues of human value that occupied Shakespeare, Dante, and Goethe. Any work of true art is such a system. Let us writers recognize—as did Thoreau, in his essay on Economy--the kinship of our own practice with that of traders and merchants: to know both the value and the price.
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economics
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https://www.techwinks.in/2024/03/fisher-investments-a-deep-dive-into-a-leading-investment-management-firm.html
| 2024-04-22T19:05:20 |
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Fisher Investments is a prominent name in the world of wealth management, catering to individuals, families, and institutions. Founded in 1979 by Ken Fisher, a renowned investor and author, the firm has grown into a global powerhouse managing billions of dollars for its clients. This article delves into the core aspects of Fisher Investments, exploring its services, investment philosophy, and key considerations for potential clients.
Services Offered by Fisher Investments
Fisher Investments primarily focuses on investment management, offering a portfolio management service. Here’s a breakdown of their service offerings:
- Individual Investor Services: Fisher Investments caters to high-net-worth individuals and families. Their advisors design and manage customized investment portfolios based on individual financial goals and risk tolerance.
- Institutional Services: The firm offers investment management solutions for corporations, pension funds, foundations, and other institutional investors.
- 401(k) Solutions: Fisher Investments provides guidance and management services for employer-sponsored retirement plans.
It’s important to note that Fisher Investments does not offer brokerage services. They focus solely on investment management, meaning clients hold their assets at a separate brokerage firm.
Investment Philosophy: The Core of Fisher Investments’ Approach
Fisher Investments adheres to a specific investment philosophy rooted in long-term investing principles. Key aspects of their approach include:
- Market Efficiency Belief: The firm believes the stock market is generally efficient, reflecting all available information in stock prices.
- Focus on Long-Term Growth: Fisher Investments emphasizes investing in high-quality stocks with a long-term perspective, aiming to capitalize on market growth over time.
- Disciplined Portfolio Management: The firm employs a disciplined approach to portfolio construction and management, adhering to their investment philosophy regardless of short-term market fluctuations.
- Tax-Optimization Strategies: Fisher Investments prioritizes tax efficiency within portfolios, seeking to minimize clients’ tax burdens.
Ken Fisher’s Influence: The investment philosophy is heavily influenced by Ken Fisher’s research and insights. His bestselling books, such as “Superstars of Stocks” and “Debunk Investing Myths,” delve into his investment strategies and market psychology.
Considerations for Choosing Fisher Investments
Before entrusting your investments to Fisher Investments, here are some crucial factors to consider:
- Investment Minimums: Fisher Investments typically caters to high-net-worth individuals with a minimum investment requirement. It’s advisable to check their current minimums before initiating contact.
- Fee Structure: Fisher Investments charges a fee based on a percentage of assets under management (AUM). Understanding their fee structure and how it aligns with your financial goals is essential.
- Investment Style Match: Ensure Fisher Investments’ long-term, growth-oriented approach aligns with your investment goals and risk tolerance.
- Alternatives to Consider: Research and compare other investment management firms before making a decision. Explore options offering different fee structures, investment styles, and minimum investment requirements.
Additional Services Offered: While their core business is investment management, Fisher Investments also provides educational resources through their website, webinars, and YouTube channel: [invalid URL removed].
Fisher Investments: Building a Strong Reputation
Fisher Investments has garnered recognition within the financial industry. Here are some noteworthy aspects of their reputation:
- Assets Under Management: The firm boasts a significant amount of assets under management, signifying client trust and confidence in their approach.
- Industry Recognition: Fisher Investments has received awards and accolades from various financial publications, showcasing their standing within the industry.
- Global Presence: The firm has established offices internationally, catering to a diverse client base.
It’s important to conduct your research and understand any potential controversies surrounding the firm before making a decision.
Conclusion: Is Fisher Investments Right for You?
Fisher Investments offers a compelling option for high-net-worth individuals and institutions seeking a long-term, growth-oriented investment approach. Their experience, investment philosophy, and global presence make them a significant player in the wealth management landscape. However, carefully consider the investment minimums, fee structure, and suitability of their approach to your financial goals and risk tolerance before making a decision.
Disclaimer: This article is for informational purposes only and should not be considered financial advice. Please consult with a qualified financial professional before making any investment decisions.
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economics
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https://www.brulerieduquai.com/en-us/collections/thes-tisanes/products/the-noir-rukeri
| 2023-12-06T11:55:26 |
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Rwanda is a hot and humid country. So hot that the average temperature is 24 ° C, and so humid that the country has two wet seasons. You probably think these are the perfect qualities for growing tea, and you are right!
This is exactly what the American Joe Wertheim noted in Rwanda in the 1970s to buy Rukeri. Tea was planted by Europeans in the 1960s, and like the rest of the Rwandan tea plantations, the sizes were modest. As the plantations grew and became more and more prosperous, until in 2002 Rwanda became the largest tea importer and employer in the sector, with over 15,000 tonnes produced. . Their excellent standards have also enabled them to receive fair trade certification.
Rukeri is considered by many to be one of Africa's best products, in addition to being exported at over 3 million kilos per year. Rukeri's infusion is filled with notes of malt, molasses, and a subtle hint of wine with a pleasant delicate astringency with a full bodied finish. Savor the best of Rwanda!
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economics
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https://www.horizonsventures.com/demetrix-secures-50-million-in-series-a-funding-to-provide-cannabinoids-to-pharmaceutical-supplement-and-consumer-product-companies/
| 2023-06-06T10:11:28 |
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en
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UNDER EMBARGO UNTIL WED OCT 19, 2022 @ 8AM EDT
Nourish Ingredients Raise $28.6M to Make Animal-Free Fats For The Next Generation Of Tastier Alternative Proteins
CANBERRA, AUSTRALIA —WED OCT 12, 2022 — Nourish Ingredients, a food tech company creating animal-free specialty fats using synthetic biology, has raised a $28.6M USD Series A funding round.
Through science and their process of precision fermentation, Nourish has made a significant breakthrough in the taste and experience of alternative proteins. Nourish builds real animal fats that make alternative proteins cook, smell and taste as delicious as the real thing, but animal free. Their fats are set to make a transformative impact and are key to creating a smarter, more sustainable, more diverse food system. The funding round was led by Horizons Ventures and supported by Main Sequence Ventures and Hostplus.*
Nourish zeroed in on the differences between plant and animal foods to identify the most potent fats and oils missing in the alternative protein space; the ingredients that make Wagyu steak so special, and ice-cream so irresistible. The team at Nourish then engineered proprietary precision fermentation strains that can manufacture these potent fat molecules at scale and give alternative proteins a true animal-like taste and experience.
“The first generation of alternative proteins made waves, mostly with vegans and vegetarians, but they didn’t convert carnivores into return customers. By overlooking fats, the market has missed the most essential element to the taste experience. That’s where Nourish comes in. We’re not just mimicking meat – we’re creating animal ingredients but from an animal-free source. This creates an experience that can compare to the deliciousness of the real thing, and even go way beyond it.”, says James Petrie, Co-founder and CEO at Nourish Ingredients.
Nourish was founded by scientists and entrepreneurs, Dr. James Petrie and Dr. Benjamin Leita in Canberra, Australia, who have the shared belief that taste is the most critical challenge for the alternative protein sector, and alt-protein foods must win the hearts and taste-buds of even the most devout lovers of meat and dairy for the sector to truly tap into the mainstream. Imagine the texture of a juicy roast chicken or the aroma of a succulent beef burger but from plant-based meat. Nourish fats make a transformative impact on alternative proteins.
“The perfecting of alternative animal fats will deliver a quantum leap in the taste and experience of alternative protein products. Nourish, with their science-led approach, are able to produce at scale, tailor made non animal derived fats and oils that can match our expectations in taste and mouth feel.”, says Chris Liu of Horizons Ventures.
Nourish will use the funding round to scale production and extend product development. “Feedback from our alt-protein food partners has been very positive. Nourish’s products have a transformative impact on their products – they haven’t tasted anything like it before. Our main challenge is to scale fast enough to meet their expectations but we are also deeply invested in pushing the boundaries of alt-protein taste and experience into new spaces”, says Petrie.
As part of scaling and expanding R&D, Nourish has alliances with a number of leading universities from across the globe who are world-class in the fields of synthetic biology and precision fermentation. These world class institutions include The University of California Riverside (UCR), Australia’s national science agency, CSIRO, University of Nottingham UK, and Deakin University. Nourish is also partnering with The University of Queensland to accelerate the production of next generation foods in Australia. Partnerships like this build on the continued internal expansion of Nourish’s R&D capabilities, further strengthens their IP position, and fast-tracks their product development of unique fat solutions for the alternative protein space.
Nourish aims to take its first product, fats that provide a meaty aroma and taste, to market in 2023 through deep partnerships with global food companies. Expect to see Nourish Ingredients in alternative protein product lines and specialty foods.
About Nourish Ingredients:
Nourish is a food tech company using synthetic biology to create animal-free fats for the next generation of alternative proteins. Nourish fats transform alternative proteins to cook, smell and taste like the real thing. Backed by top tier investors including Horizons Ventures and Main Sequence Ventures, Nourish Ingredients’ fats are key to creating a smarter, more sustainable, and more diverse food system. https://nourishing.io/
Horizons Ventures was co-founded by Solina Chau and Debbie Chang in 2005. It is known for backing era-defining companies making lasting and positive impact in the world. Amongst its string of notable early stage investments are Zoom, Impossible Foods, Perfect Day, Spotify, Siri and DeepMind, reflecting Horizons Ventures’ methodical long-term investment approach.
Main Sequence Ventures
Main Sequence is tackling the world’s biggest challenges by turning today’s scientific discoveries into tomorrow’s industries. It works closely with scientists, researchers and industry collaborators to create, fund and accelerate new companies and industries across health, food, space, transport, security and deep tech to accelerate humanity for a more prosperous future.
Founded in Australia in 2017, Main Sequence manages the CSIRO Innovation Fund, founded by the Australian Government and the national science agency to reinvest its historic contributions into the successes of the future. Main Sequence’s Fund I and Fund II have invested in 42 companies that are changing the way healthcare is delivered, food is produced, spaces are connected and more.
Hostplus has grown to be one of the largest industry super funds in Australia. With 1.6 million members, more than 275,000 employers and $88 billion in funds under management, our scale and ongoing growth allows for low member costs and a broad range of investment opportunities.
Media enquiries: Daire Hickey, 150 Bond, [email protected], +1 646 589 2026
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economics
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http://www.spanishvat.es/en/value-added-tax.html
| 2021-12-01T10:00:04 |
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International transactions mean complying with an array of formal and disclosure obligations. We will file your VAT returns with the Tax Authority, and manage your payments and refunds.
We also provide advisory and consultancy services. Any concerns or queries you may have will be resolved swiftly and professionally, always seeking the solution best suited to your business.
We are aware that a particular kind of advice that may work for a company in the logistics sector, may not be the most appropriate for a financial institution or an insurer. Accordingly, Spanish VAT Services undertakes to offer a solution tailored to your particular case and situation. We firmly believe that no two companies are alike and, consequently, neither should there be two identical ways of providing advice.
Our activity includes reviewing and drafting national and international contracts. Once signed, contracts are binding on all parties, so a comprehensive review before signing, and specifically a review of tax-related clauses, can often prevent future problems that might otherwise translate into expenses and onerous liabilities that could have been avoided.
With the right advice, the impact of VAT on a business must be neutral. We can help you to achieve this.
|
economics
|
http://makebreak.us/csadsm
| 2017-12-13T08:55:49 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948522343.41/warc/CC-MAIN-20171213084839-20171213104839-00784.warc.gz
| 0.936649 | 158 |
CC-MAIN-2017-51
|
webtext-fineweb__CC-MAIN-2017-51__0__15239918
|
en
|
Each of 50 shareholders receives an original piece of art from each of three artists.
delivery September 2015
From local food to local art
Community Supported Agriculture (CSA) has become a popular way for consumers to buy seasonal food directly from local farms. With the same buy-direct, buy-local spirit in mind, we launched a similar endeavor to support local art, artists, and collectors.
Community Supported Art in Des Moines
Once a season, make\break collects the freshest work from artists. Painters, photographers, and designers share their produce with CSA shareholders at a pick up party.
make\break is lining up artists and setting a date for our summer share party. Buy your share now -- it's your ticket to the 2015 harvest of art.
|
economics
|
https://it-security-resellers.ciotechoutlook.com/cioviewpoint/digital-transformation-an-age-of-disruption-nid-3860-cid-141.html
| 2022-09-27T13:20:38 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030335034.61/warc/CC-MAIN-20220927131111-20220927161111-00250.warc.gz
| 0.904918 | 701 |
CC-MAIN-2022-40
|
webtext-fineweb__CC-MAIN-2022-40__0__124754043
|
en
|
Digital Transformation an Age of Disruption
Digital transformation is vast and often misunderstood as a formal effort to renovate business vision, models and investment for a new digital economy. This isn’t a trend owned by a particular role, nor a discipline that belongs to single function alone. It is, however, a significant movement where a true business leaders venture into tomorrow’s markets, today. While the word “digital” is part of “digital transformation”, the essence of digital transformation comes down to people and how their digital behaviors differ from that of the traditional customers before them. It’s also more than that.
Digital transformation is most effective when it is tied to an end goal or series of milestones related to a future state. E.g. some organizations invest in digital transformation from a technology standpoint as a way to improve efficiencies and scale around a specific area of business like Customer experience, improve products and services, and increase the effectiveness of business operations others look at digital transformation as a series of channel investments to modernize and enhance customer and employee engagement. But it really means what your enterprise must do to adapt and thrive. Digital Transformation strategists drive social business evolution and digital transformation based on insight from peers and market leaders. Digital transformation is most effective when it is tied to an end goal or series of milestones related to a future state.
Digital transformation as a movement under a customer-centric lens: The realignment of, or new investment in, technology and business models to more effectively engage digital customers at every touchpoint in the customer experience lifecycle.
Digital transformations are more likely to succeed when organization focus on critical dimensions of business process. The key to digital transformation is that ‘it’s not all about technology’. Its behavior whether it’s related to customers, employees, values or expectations. Digital transformation comes down to people and every people is a change agent and change agents must make the case to earn executive support , and that takes journey mapping to data “ what’s best for customer is best for use”.
Digital transformation represents the next stage of business development. It will improve how companies work—inside and out. But, without knowing how the customers or employees are evolving, digital transformation is just new technology operating under the guise of change. Customer and digital first approach help change agents to identify priorities and difference among customer to create a sense of urgency and a roadmap for business priorities to resolve and align companies to assess the real customer experience
Few Key Strategies for any Digital Transformation:
• Identify market evolution & pains
• Asses yourself where you are
• Develop road map to get where you need
• Focus on long term goal
• Focus on customer & data
• Get clear leadership buy in
• Design for innovation, optimization, agility and scale
• Set goals & KPI’s
• Build ecosystem
• Pause & Reboot.
4 Core Areas of Digital Transformation
The major challenges for ‘digital transformation’ are changing company culture, cooperation between functions and team, resources & lack of data to justify digital transformation. Culture is Key and Executive support is critical for digital transformation to start and success. Digital transformation carries expectations that its impact can be measured at both customer and business levels. Digital Transformation doesn’t mean Digital Investment only it means thinking ‘Digital’.
|
economics
|
https://www.pelaburanmara.com.my/subs/PMB-ANALYTICS-SDN-BHD
| 2021-04-21T13:17:18 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618039544239.84/warc/CC-MAIN-20210421130234-20210421160234-00105.warc.gz
| 0.671306 | 303 |
CC-MAIN-2021-17
|
webtext-fineweb__CC-MAIN-2021-17__0__273498612
|
en
|
PMB Analytics Sdn Bhd (PMB Analytics) is a subsidiary of Pelaburan MARA Berhad, a financial services group with more than five decades of experience in asset management.
Complementing Pelaburan MARA’s catalogue of services, PMB Analytics offers to help clients evaluate, optimize, and create quantitative investment strategies with a measurable edge over the market.
PMB Analytics has entered into a partnership with the world-renowned investment advisor to Wall Street, Nasdaq Dorsey Wright (NDW) to promote and market its investment model in Malaysia.
PMB Analytics offers a turn-key access to Relative Strength strategies, driven by NDW global technical research and holds the sole right to market Nasdaq Dorsey Wright investment models in Malaysia.
PelaburanMARA Group reserves the rights to amend/revise/modify this Privacy Notice from time to time.
If there is any conflict or discrepancy between the English version and the Bahasa Malaysia version of this Privacy Notice, the English version should prevail.
Kumpulan PelaburanMARA berhak untuk meminda/mengubah Notis Privasi dari masa ke semasa.
Jika terdapat sebarang percanggahan Notis Privasi ini di antara versi Bahasa Inggeris dan Bahasa Malaysia, Notis Privasi versi Bahasa Inggeris adalah digunapakai.
|
economics
|
http://www.unemploymentunion.com.au/category/home-buying/
| 2017-04-26T15:31:26 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121453.27/warc/CC-MAIN-20170423031201-00242-ip-10-145-167-34.ec2.internal.warc.gz
| 0.953152 | 1,190 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__78898240
|
en
|
Any real estate salesperson who tells you they’ve never questioned whether or not the commission percentage they pay their broker is justified is either lying, or way too trusting. home extensions Melbourne It’s okay, everyone does it.
A savvy professional owes it to themselves to regularly reassess whether or not they are being compensated fairly given the value they add to a business — this is only natural. Unfortunately, the real estate industry is one of those places where these sorts of questions are often answered with: “Well, we have always done it this way”, and as a result, there is a certain amount of transparency lacking in the reasoning behind these decisions.
How Does The Agent-Broker Relationship Work?
What can be confusing to many, is that the real estate agent that often shows and handles the majority of the sales process when property is bought or sold, is not actually the one who is paid directly by the client.
The commission (which can be up to 6% of the total sale price) is instead paid to the broker the agent operates under. water damage Why is this case? Well, due to the law, only a licensed broker can process the commission paid by a client, who then, after taking a cut, passes on what is the left to the agent.
What Percentage Of The Commission Does The Broker Take?
Here is where things start to get less clearly defined.
The split itself is agreed upon prior to the sale by the broker and the agent, and thus the percentage itself can be just about anything. In practice, however, the average agent to broker payment ratio typically is more like 50-50, or perhaps 60-40 for a more experienced, independent sales agent.
Is This Commission Split Structure Fair To The Agent?
As previously mentioned, the sales agent is usually the face of a real estate transaction they are involved in. Many times — especially for smaller deals like apartment rentals, for example — the clients themselves may never even meet the broker who is cashing their check.
So, while the broker certainly deserves their share of the spoils, is 50% really an equitable distribution model given the sales representative often handles a disproportionate amount of the work? Like Minetta Realty, some brokerages are starting re-think the standard real estate agent commission split.
The Case For The Broker
But wait, before you throw out the baby with the bathwater, it is important to keep in mind that the legal requirement for the broker’s involvement in the real estate sales process is not without justification.
Brokers must pass a more challenging exam than agents — one which usually requires a 100+ hour course to prepare for. office fitout In addition to this exam, brokers are also required to work in the field for a certain amount of time before they can obtain their real estate license. In the state of New York, for example, “Broker license applicants must have at least two years of full time experience as an active licensed real estate salesperson, or at least three years of full time experience in the general real estate field.”
As a result of this more rigorous licensing process, brokers often have a much more sophisticated understanding of the legal and financial context surrounding real estate transactions. This expertise can be invaluable when the lawsuits start flying (not uncommon given that there can be hundreds of thousands — if not millions — of dollars at stake), or when navigating more complex financial situations. The money they are paid is most certainly earned.
Aside from expertise, brokers also typically provide a number of services and amenities that play a crucial role in enabling an agent’s success. Everything from leads, office space, CRMs, and business cards can sometimes be funded by the broker. Interestingly enough, in some scenarios the arguably most valuable asset a broker provides for the agent is something less tangible: a respected brand.
“Fancy office space and business cards are great and all, but when you start generating upwards of a hundred thousand dollars in revenue each year, even 30-40% can be quite the premium to forfeit.”
In Conclusion: Re-Evaluating The Compensation Status Quo
Regardless of your opinion on the credit due to brokers, one thing is clear: there are way too many variables at play for a one size fits all policy.
In turn, there really should be no “typical” real estate agent commission split rate.
Agents should consider their circumstances when determining how much of their pay to pass over to their broker. Some questions you can ask yourself to help figure this out are:
Do the nature of my deals require in depth financial and legal expertise?
If you are renting apartments to college students, or doing other normally friction-less transactions — like real estate referrals — then paying your broker a full 50-50% split is probably too much.
How dependent am I on my broker’s services and experience?
Even if you are involved in more high stakes, complicated property sales, there still may be cause to reconsider your current business arrangement with you broker.
After all, once you have developed your own strong personal brand, and source most of your leads through referrals and word of mouth anyway, then it may be time to ‘cut the umbilical cord’ and strike out on your own, or find a more hands off and less expensive broker to work with. Fancy office space and business cards are great and all, but when you start generating upwards of a hundred thousand dollars in revenue each year, even just 30-40% can be quite the premium to forfeit. Traditional brokerages often respond to this leverage by allowing their senior agents a more friendly compensation percentage, but even then there is commonly a ceiling around 60%, which is rare and reserved for a select group of stand out contributors.
|
economics
|
http://www.academicwritersonline.com/payment
| 2013-05-24T03:21:07 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368704133142/warc/CC-MAIN-20130516113533-00054-ip-10-60-113-184.ec2.internal.warc.gz
| 0.947758 | 590 |
CC-MAIN-2013-20
|
webtext-fineweb__CC-MAIN-2013-20__0__212573045
|
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|
We Pay On Time!
The first thing every freelance academic writer wants to know about is money: what the price rates are and how often are writers able to cash out their balance. The pricing strategy of our company is very flexible. You can get paid as much as $15 a page, depending on the urgency and academic level of the assignment.
Each and every academic paper is evaluated for complexity of research required to complete the assignment and availability of the necessary resources, which help to calculate the optimum price for a specific assignment. As a result, the total price of an order depends on the deadline, academic level, and number of pages required. For you to understand the system better, let us give you an example: the price for a 5 page High School paper due in 10 - 14 days can be $30, while the price for a 3 page Masters level essay due in 10 – 24 hours may be $30 as well. Needless to say, Master level research papers are more expensive than High School assignments, as far as the topics for the first type of papers are more sophisticated and require experience, stamina, and knowledge. Even though the price of every order is fixed, writers can still negotiate and bid for a higher page rate. Usually, bids are considered and writers get certain orders at higher prices.
Price for each order depends on:
- Level of writing
- Number of pages
- Required research/Availability of materials
Payment is conducted twice a month following the company’s payment policy (http://academicwritersonline.com/rules). AcademicWritersOnline.com is a verified business member of PayPal community, which guarantees full and timely payments. As of now, we use PayPal to transfer funds to the writers who are registered with PayPal (please, check if PayPal works in your country here: https://www.paypal.com/us/cgi-bin/webscr?cmd=_display-approved-signup-co...) and Western Union as an alternative method of payment for our foreign writers. For more information about our payment procedures and rules, please, carefully read our Rules and Policies, which are visible upon registration.
- Western Union
Welcome to the world of Academic Writing!
AcademicWritersOnline.com is looking for ethical employees who will respect and follow all of the company’s rules and policies. Our clients expect to receive high quality papers uploaded within a certain deadline. Even a mere 5-10 minute lateness can be enough for the paper to become useless and for the client to fail a course or get expelled. Failure to meet job responsibilities may result in fines and payment reductions. However, we carefully investigate every single issue that may occur between a writer and a customer. We hope you will enjoy working for our company, and we will do our best to provide you with numerous interesting and challenging assignments for you to make some extra cash!
|
economics
|
https://flower-delivery-compare.asia/sg-th/arena-flowers
| 2023-10-04T23:44:09 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511424.48/warc/CC-MAIN-20231004220037-20231005010037-00643.warc.gz
| 0.941386 | 307 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__43113388
|
en
|
Arena Flowers - flower delivery with fair trade flowers
Arena Flowers is an international flower delivery based in the UK. They partnered up with many florists and delivery shops all over the world and deliver to more than 140 countries. Singapore is one of them.
The website has great usability. Pictures are of good size and quality. All in all, it's convenient to use their site.
Choices and prices of flowers and gifts are ranging wide. There is something for everyone’s wallet. Prices for Singapore are between approx. ฿ 2,682.66 to approx. ฿ 5,365.32. The variety of bouquets from sections like "Designer Flowers", "Bestsellers", "Florist’s Pick", "Subscription Flowers" are waiting to be sent into the world.
A great gimmick, the shop offers customers the possibility to upload pictures of them. An additional attachment to flowers and greeting cards. Send to the recipients to make it more personal.
Arena Flowers is a member of the fair trade program. A program where environmental and corporate responsibility is vital. An educational project regarding African flower farms and working conditions there. The aim is to benefit local social welfare and economics.
Arena also implemented a blog on the website with useful information regarding flower care and tips for gifts and holidays.
Payment methods are Paypal, Visa, Amex, and Master Card.
The shop is engaged on Facebook, Twitter, Pinterest and Google+.
|
economics
|
https://mtlatable.mtl.org/en/partners
| 2019-04-25T20:37:08 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578733077.68/warc/CC-MAIN-20190425193912-20190425215912-00241.warc.gz
| 0.927125 | 1,150 |
CC-MAIN-2019-18
|
webtext-fineweb__CC-MAIN-2019-18__0__12020521
|
en
|
Aeroplan is Canada’s premier coalition loyalty program. Aeroplan’s millions of members earn Aeroplan Miles with its growing network of over 75 world-class partners, representing more than 150 brands in the financial, retail, and travel sectors.
There are more than 5 million active Aeroplan members.
The mission of the Ministère de l’Agriculture, des Pêcheries et de l’Alimentation is to foster the prosperity of the agri-food sector and to oversee food quality with a view to sustainable development.
Recognized for its expertise, the Department supports entrepreneurs and is attuned to the expectations of consumers and citizens. By making it easier for consumers and food producers to meet each other, it brings the various food stakeholders together and encourages locavorism while giving the know-how of Quebecers’ visibility. Québec products are a guarantee of flavour, quality and respect for the environment, from farm to fork.
Always at the centre of the pleasures of the table, the SAQ is committed to encouraging the discovery of new products and sharing its wine and spirits expertise. It prides itself on providing access to 13,200 products from 77 countries in its network of 400 stores and 440 agency stores.
Beyond its business activities, the SAQ annually supports some 400 organizations and events across Quebec through its donation and sponsorship program. The value of its contributions totalled $6.5 million in fiscal 2016-2017.
Swiss International Air Lines (SWISS) serves 102 destinations in 43 countries all over the world from its Zurich hub and the further Swiss international airports of Basel and Geneva. As the airline of Switzerland, SWISS is a byword for traditional Swiss values. True to its roots, the company is dedicated to providing the highest possible quality in all its products and services. With its manageable medium size, SWISS is also optimally equipped to remain as close as possible to its customers and meet their individual needs.
SWISS is committed on various fronts to the careful and sustainable use of natural resources, and regards a responsible attitude to the environment as an integral part of its corporate culture. As part of the Lufthansa Group and a member of Star Alliance, SWISS remains true to its mission of providing quality air services that link Switzerland with Europe and the world.
Fueled by over 170 years of cocoa and chocolate expertise across the world, Cacao Barry® innovates and supports both farmers' and Chefs' needs. Cacao Barry® brings great cocoa from remarkable places to celebrate the diversity of flavours and origins to truly unlock its sensorial richness.
Supported by our complete palette, ranging from cocoa, chocolate couvertures, origin chocolates to exclusive plantations, and customized chocolate recipes by Or Noir™, together with our global network of Ambassadors and Chocolate Academy™ Centers, it is our mission to support Chefs in their daily challenge to delight customers with unique chocolate flavours and creative pairings in signature dishes.
ESKA Natural Spring Water is drawn from our source located in St-Mathieu-d’Harricana in Northern Québec. ESKA water is naturally pure and shaped by the glacial rocks of a unique natural filtration system, an esker. Snow and rain trickle down into the esker and go through layers of rock, sand, and gravel for 15 years. ESKA water emerges naturally pure, nothing needs to be added or taken away.
Taste the purity of ESKA Natural Spring Water! Still or carbonated, flavoured or not, ESKA water will satisfy all your desires!
Since 1938, the Association des restaurateurs du Québec (ARQ) has been committed to the economic and professional development of Quebec’s restaurant managers. The ARQ is a non-profit organization with more than 5,500 members, half of which have businesses in the greater Montreal area. It provides training, government representation, insurance, information, and access to discounts (mainly through the largest purchasing collective in Quebec, the Privilege Plu$ Purchasing Program).
The ARQ’s top priorities include: ensuring that the restaurant industry’s role in the growth of Québec’s economy, tourism industry and bio-food industry is recognized; ensuring that the industry benefits from appropriate operating conditions, especially with respect to taxation, regulation and the consumer’s purchasing power; rallying the industry to create a decent workforce in terms of both quantity and quality.
BECOME A PARTNER
Tourisme Montréal is responsible for leading the regional effort to promote our hospitality industry by positioning Montréal as a premier destination for business and leisure travel. It steers Montréal’s tourism market development to keep pace with constantly evolving economic realities.
MTLàTABLE was initiated by Tourisme Montréal to make local gastronomy more accessible and create a celebration based on culinary pleasures and dining out. It gives Montrealers and tourists the chance to discover Montréal’s rich gastronomic scene and savour the creativity of our world-renowned chefs. This annual event generates significant economic spin-offs and press coverage.
MTLàTABLE has been made possible thanks to the generous support of its partners and sponsors who benefit from many personalized activation opportunities. The event reaches hundreds of thousands of consumers thanks to our media campaign and a wide range of marketing activation opportunities. If you are interested in becoming an event partner, you can choose a wide range of options. Each contract will be tailored to your needs and objectives.
Contact : [email protected]
|
economics
|
https://imperativetraining.vc-promote.co.uk/Course/Details/2134e2df-6d29-4ad4-a312-690cc28e1f1b
| 2020-09-28T02:24:33 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600401583556.73/warc/CC-MAIN-20200928010415-20200928040415-00112.warc.gz
| 0.948176 | 174 |
CC-MAIN-2020-40
|
webtext-fineweb__CC-MAIN-2020-40__0__225183922
|
en
|
The amount of money spent on pay and employee benefits can often account for the largest part of organisational expenditure and therefore managing this correctly is crucial.
Individuals are attracted, retained and engaged by a whole range of financial and non-financial rewards and these can change over time depending on their personal circumstances. Effective managers need to investigate what will achieve this for their team and desired team.
The module provides learners with an increased understanding of the difference between strategic and total rewards, as well as the importance of reward and recognition for employee motivation.
On completion of this course learners will be able to:
• Identify the difference between strategic and total reward
• Describe the different types of pay structure
• Detail a range of benefit options
• Appreciate the importance of reward and recognition for employee motivation
• Recognise the risks in designing a pay strategy
|
economics
|
https://www.tabdevi.com/register/processed-foods-and-beverages
| 2021-03-01T03:28:33 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178361849.27/warc/CC-MAIN-20210301030155-20210301060155-00085.warc.gz
| 0.907631 | 442 |
CC-MAIN-2021-10
|
webtext-fineweb__CC-MAIN-2021-10__0__213775311
|
en
|
This website uses its own and third-party cookies to offer a better service to our users, collect statistics and optimize site functionality. If you continue browsing, you accept its use. For further information read our Cookies Policy.
Connect via instant messaging with customers, suppliers, partners and coworkers to create productive conversations, generating synergies and business, wherever you are.
Start selling in Tabdevi quickly and easily. Sell, export and improve the visibility of your business. Publish your products and services and they will be found on the Internet more easily.
Publish in Tabdevi the purchase of the products and services you need to earn money and save by buying, accessing a greater number of suppliers.
Register for free and access a new digital environment where you can meet new products and services related to the Processed foods and beverages sector. In Tabdevi.com you will meet other B2B markets with new manufacturers, producers, wholesalers, distributors, importers, exporters, suppliers and service providers, accessing new buyers, sellers and new business opportunities globally to buy and sell. Marketplace for Processed foods and beverages.
What can I do in Tabdevi? Click here
Within this category you will be able to upload your catalogue related to: Appetizers, snacks and nuts, Bakery, pastry and confectionery, Cereals, legumes and seeds, Cocoa, chocolates and confectionery, Coffee, tea, infusions and herbs, Creams and purees, Dairy, Dehydrated fruits, Dehydrated mushrooms, Dehydrated seaweed, Desserts, Drinks, Ecological beverages, Ecological food, Eggs, Fish, crustaceans, molluscs and seaweeds, Flours, meal, milling products and starches, Fruits and vegetables, Gourmet beverages, Gourmet food, Herbalist, Infant and child feeding, Ingredients, Meat and meat products, Pasta, Patés, Prepared and precooked food, Sauces, Spices and condiments, Sports nutrition, Sugars, sweeteners, honey and substitutes, Vegetable and animal oils and fats.
|
economics
|
https://card-group.com/banking-market-research/
| 2024-04-21T20:43:25 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817819.93/warc/CC-MAIN-20240421194551-20240421224551-00168.warc.gz
| 0.930325 | 447 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__7083471
|
en
|
Banking market research
Market research for banking organisations
Banking market research by CARD Group Research & Insight offers both business-to-business and business-to-consumer market research for banking organisations and financial institutions. Experienced in conducting both quantitative and qualitative market research projects, we work in partnership with our clients to deliver actionable insights which improve marketing strategy and achieve business objectives.
Our banking market research service enables banks and other financial services institutions to uncover deeper and more accurate consumer information. We utilise advanced behavioural economics research methods to access both the conscious and subconscious perspectives.
New and existing product and service development for banking
- Tailor products and services to better meet customer needs
- Discover more about your customers, their wants and their often hidden motivations.
- Develop products and services to better meet your customer’s needs.
- Nurture a deep understanding of your customers’ needs to inform new product development.
- Gain insight into how to market new products and services to your target markets.
- Learn how satisfied your customers are and how you can improve customer satisfaction and customer experience in ways that matter most to them.
Competitive intelligence for banking
- Discover why prospective customers have really chosen a competing bank instead of your bank.
- Receive insight into how your brand is perceived compared to competing financial institutions and how you can improve your brand.
- Find out what consumers like and dislike about your competitors
- Discover how competitors treat their customers with competitive mystery shopping. This includes face-to-face in-branch, by phone and online.
Brand research for banks
- Brand awareness, evaluation, loyalty, recognition and rebranding research services
- Brand tracking
- Copy testing, advertising testing and campaign evaluation
Employee surveys for banks
We offer a range of employee surveys for banking staff. These include:
- Advanced employee engagement surveys using our unique employee attitude analytics
- Employee satisfaction surveys
- Employee pulse surveys
Banking market research services
To make an enquiry about a specific project you have or to find out more about our market research for banks, please get in touch. We work with companies across the United Kingdom, Ireland and beyond.
|
economics
|
https://moa.gov.gm/comment/29525
| 2022-01-22T12:41:06 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320303845.33/warc/CC-MAIN-20220122103819-20220122133819-00455.warc.gz
| 0.935689 | 649 |
CC-MAIN-2022-05
|
webtext-fineweb__CC-MAIN-2022-05__0__16593837
|
en
|
The two most critical factors for attaining food self sufficiency in the area of rice production are abundant availability of fertile land and fresh water. Generally, it is assumed that countries that are endowed with these resources should hugely exceed the expected annual yield of rice for rice self sufficiency or food self sufficiency. Countries like Vietnam, Thailand, Pakistan just to mention few are able to achieve signicant success in rice production and they are major global exporters of rice.
Central River Region of The Gambia is the region that is most endowed with abundant fertile land and flesh water due to its uniqueness of accupying majority of the flesh water areas of the river Gambia. According to experts, the region has the potential of meeting the rice demand of not only the region but the entire country. However, the Gambia has never been able to attain this even though it had its golden years in the 1980s with the implementation of a rice irrigation project at the Jahally and Pacharr Smallholder Rice Development fields covering 1,474 hectares in the McCarthy Island Division in 1982. In 1998 another rice project called Rice Irrigation Development Project (RIDEP) started to boost irrigated rice production in CRR. These projects constructed the initial irrigation infrastructures of many rice fields in Central River Region such as Jahally Pacharr rice fields, Janjanbureh and Sankulay Kunda rice fields. These fields were provided with pump irrigation facilities with concrete canals to supply fresh water to thousands of hectares thereby facilitating year round production of rice.
Today, most of the pump irrigated fields in CRR are not in operation as a result of very old and worn out irrigation infrastructures and inability of farmers to provide fuel for pumping
machines that are in good condition to pump water from the river to the rice fields. Most of the pumping machines and their irrigation canals were constructed 30 years ago, thus they had serve their useful life time and urgently need major redesigning and reconstruction to enable year round production.
To address these major problems in most of the rice fields in CRR, the Government of The Gambia and Islamic Development Bank through the project Building Resilience to Recurring Food Insecurity in The Gambia made available funds for the redesigning and reconstruction of 10 important pump irrigated fields amounting to a total of 264 hectares. These fields are as follows: Faraba Lay 30 hectares, Sankulay Kunda One 34 hectares, Sankulay Two 24 hectares, Sankulay kunda Three 15 hectares, Nema 38 hectares, Moriba Lay 10 hectares, Bansang Bantanto 26 hectares, Bansang North 14 hectares, Dobang kunda 35 hectares and Korop Burko 38 hectares.
On the 28th of May 2020, Ministry of Agriculture convened a meeting at Sankulay Kunda rice fields to officially hand over contract documents to the contractor AL Associates thus giving green light for the commencement of works on the fields. The event was attended by Permanent Secretary Ministry of Agriculture, Deputy Permanent Secretary, Nema Project Coordinator, Governor CRR, Regional Agric Director, Chief Lower Fulladou West and representatives of the ten fields.
|
economics
|
http://www.mechsupply.co.uk/how-it-works
| 2020-01-28T20:51:11 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579251783000.84/warc/CC-MAIN-20200128184745-20200128214745-00046.warc.gz
| 0.929092 | 412 |
CC-MAIN-2020-05
|
webtext-fineweb__CC-MAIN-2020-05__0__102274598
|
en
|
How It Works / FAQ
What is Mech Supply?
MechSupply is a UK company which organises and runs group-buys for the global mechanical keyboard community.
What is a group-buy?
A group-buy is where a large group of people commit to purchase a product and therefore surpass minimum order quantity (MOQ) requirements and receive discounts for bulk orders.
What if the price changes after I pay?
If you join a supply and then the price then falls to a lower amount you will be refunded the difference between the new price and the price you paid for your items.
What if the MOQ isn't hit!?
If you make an order for an item and the MOQ is not hit when the group-buy closes, you will be refunded in full. If it is a group-buy with multiple options and not all of your items hit MOQ, you will be given the option whether you want just the items which did not hit MOQ refunded or the whole order.
Do you ship to my country / how much is shipping to my country?
UK shipping is free on most items. MechSupply and UKKeycaps ship worldwide. Shipping prices are usually a flat rate and are £3.50 for small items (such a few keycaps) or £6.50 for most parcel sized items. Some items have a different pricing structure to allow child deals to be purchased on their own.
When will I receive my items?
The estimated date of arrival is shown on each product page. This is the approximate date the product will be shipped from MechSupply.
Do I get a say in what group-buys are on MechSupply?
Yes! Sign up the the mailing list to receive emails containing voting forms for which items will next be available.
I don't want to wait, I want to buy something now!
Check out UKKeycaps for a variety of mechanical keyboard items in stock and ready to be shipped to you!
|
economics
|
https://templates.quoters.io/show/3MneUJ4t
| 2023-09-24T18:15:24 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506658.2/warc/CC-MAIN-20230924155422-20230924185422-00881.warc.gz
| 0.915483 | 702 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__171236330
|
en
|
In New York on January 12, 2020
Valid until May 27, 2020
Thank you so much for choosing us for the renovation of your offices.
As a leading company in the renovation sector, we are excited to work with you for the first time. We hope to continue exceeding your expectations in the future.
In this price quote, you can find all the details concerning the renovation to be carried out.
This is a price quote for the renovation of a new annex to the current office to house bathrooms and a dining room/office space for the employees of ACME Corp.. Construction will begin on August 6, 2020, and end on the 17th of the same month, coinciding with the closure of the facilities for the summer
This quote represents an estimate of the full range of goods and services required to complete construction from start to finish. All materials and labour costs are included in the proposal.
We will be in charge of securing any permits deemed appropriate for the construction.
ACME Corp. shall provide the following services:
|Construction licence||1 month|
|Prior preparations: acquisition of material, signage, etc.||2 weeks|
|Construction||7 working days|
|Final details and cleaning||2 working days|
The work will take place at the offices according to the schedule established by the regulations and construction agreement applicable in San Diego with two 30-minute breaks for the workers.
To obtain the construction licence, our department will contact the administration of ACME Corp. to request the necessary documentation to submit the application to San Diego City Hall.
The space will be delivered completely clean and ready for use by the employees of ACME Corp..
The materials to be used in the renovation were already specified in previous meetings and sent to Jane on June 10.
In the event that it is not possible to obtain the specified materials, they will be replaced by materials of similar or higher quality.
The renovated space will be delivered after it is finished and cleaned.
This delivery will mark the start of the warranty.
|Labour, licences, cleaning service||1||3,387.50||3,387.50|
The dining room/office area will have capacity for 18 people.
As for the bathrooms, we will build a ladies’ room, a men’s room (both with capacity for three people) and one adapted bathroom. Both the ladies’ room and the men’s room will have a next-generation Dyson hand dryer and towel dispenser.
If you wish to extend the warranty to five years, the cost of the extension is 15% of the total cost of the construction.
The client shall be liable for any contingencies that arise during construction.
In the event of disputes between the parties, the conflict shall be resolved by private arbitration in the province of New York.
Payment shall be made as follows:
All payments shall be made on the date of the invoice.
|
economics
|
http://tyumenneftesintez.com/REFINING.htm
| 2017-09-24T17:22:26 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-39/segments/1505818690112.3/warc/CC-MAIN-20170924171658-20170924191658-00255.warc.gz
| 0.943529 | 3,376 |
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|
industry in Russia is one of the largest in the world. Russia
has the largest reserves, and is the largest exporter, of natural gas. It has
the second largest coal reserves, the eighth largest oil reserves, and is
the largest producer of oil. It is the third largest energy user.
an average of 10.2 million barrels (1,620,000 m3) of oil per
day in 2010. It
produces 12% of the world's oil and has a same share in global oil exports. In
June 2006, Russian crude oil and condensate production reached to the
post-Soviet maximum of 9.7 million barrels (1,540,000 m3) per
day. Exceeding production in 2000 by 3.2 Mbbl/d (510,000 m3/d).
Russian export consists more than 5 Mbbl/d (790,000 m3/d)
of oil and nearly 2 Mbbl/d (320,000 m3/d) of refined
products, which go mainly to the Europe market. The domestic demand in 2005 was
2.6 Mbbl/d (410,000 m3/d) in averaged. It is also the
main transit country for oil from Kazakhstan.
Russia is by far
the world's largest natural gas exporter. Most,
but not all authorities believe that Russia has the world's largest proven
reserves of natural gas. Sources that consider that Russia has by far the
largest proven reserves include the US CIA (47.6 trillion cubic meters), the
US Energy Information Administration (47.8 tcm), and OPEC (48.7 tcm). However,
BP credits Russia with only 31.3 tcm as of 1 January 2014, which
would place it in second place, slightly behind Iran (33.1 to 33.8 tcm,
depending on the source). In addition to having the world's largest proved
reserves of natural gas, according to US Geological Survey estimations, Russia
is also likely to have the world's largest volume of still-undiscovered natural
gas: a mean probable volume of 6.7 trillion cubic meters. The USGS estimate of
Russia's undiscovered oil is 22 billion barrels, second in the world only to
those of Iraq.
The Russian oil
industry claims to be in need of huge investment. Strong
growth in the Russian economy means that local demand for energy of all types
(oil, gas, nuclear, coal, hydro, electricity) is continuing to grow.
FIRST REFINERY OF RUSSIAN FEDERATION-MENDELIEV
RUSSIAN BENCHMARKSOF BLACK GOLD The Russian crude oil brands and their future on the global markets
Currently traded at the global markets are threeoil markers and several dozen "regular" brands, of which Russia
accounts for six: Urals, Siberian Light, Sokol, Vityaz, REBCO and ESPO.
However, two brands - Urals and ESPO - stand good
chances for getting marker status in the foreseeable future.
Oil recipe of success
Needless to say that the chemical properties of
crude oil delivered to the global markets varies depending on the region and
even a field where it was produced. Therefore, in order to distinguish between
various crude oils they were divided into brands with gravity and sulfur
content being the major criteria. Hence, the lower are the gravity and sulfur
content the higher is the quality of a crude oil.
Each oil-rich country features its own one or
several brands of "black gold". Normally a brand is tied to an oil
field (or a cluster of similar oil fields) if such crude goes straight to
export. In case crude oils from several fields are mixed in a pipeline to be
sold as a blend the brands are tied to either a pipeline or a port.
It has been a common practice world-wide to use
primary benchmarks or marker oils as a pricing basis for all other grades (by
means of premium or discount). Dominating the global oil markets are Brent and
WTI, which are traded at InterContinental Exchange (ICE) in London and New York
Mercantile Exchange in New York accordingly. In should be noted though, that
while WTI used to trade at a premium to Brent (about $1/barrel), in 2010 the
USA markets were invaded by the Canadian "synthetic" crude oil and
the situation changed dramatically - now WTI trades at a significant discount
to Brent with the spread exceeding $10. The third primary benchmark is Dubai
Crude that has a vast spot market and is used as a yardstick against which all
export brands from the Persian Gulf are priced.
As such, currently traded at the global markets
are three oil markers and several dozen "regular" brands, of which
Russia accounts for six: Urals, Siberian Light, Sokol, Vityaz, REBCO and ESPO.
The major Russian oil brand is Urals - the
export blend, which is still used for pricing bulk of the Russian "black
gold" going to the global markets. This brand is a marriage of the heavy
sour crude oil from the Urals and the Volga Regions - mostly Tatarstan and Bashkortostan
(with sulfur reaching 3%) - and Siberia Light produced in the Khanty-Mansiysk
Autonomous Area (sulfur content 0.6%).
Quality as top priority
Because of the presence of the sour crude Urals
is not highly regarded in terms of quality. And it is discounted to Brent
(normally at $1-2 per barrel). Naturally, neither Russian government nor
Russian oil companies are happy about that - they lose billions in dollars each
year owing to such discount. At first, they attempted to solve it by splitting
heavy crude oil from the Volga regions and the light crude from the
Khanty-Mansiysk Autonomous Area to introduce Siberian Light, a new brand for
the global markets. With the quality as high as the Brent's Siberian Light
could have helped avoid discount losses.
However, that option turned out to be
technically unfeasible due to the absence of the alternative pipeline capacity.
Another option was to use the railway for the new brand transportation (RITEK
firm even gave it a try) but at the current railway tariffs the price would be
likely to hit the ceiling. As such, a decision was made to either improve the
quality of the heavy Volga crude oil or exclude it completely from the export
stream and refine it on spot. As a result of this quest in 2005 an initiative
was launched at the federal level to build a cluster of refineries and
petrochemical plants in Tatarstan, and in 2011 JSC TANECO (Nizhnekamsky
refinery) added 7 million tons of capacity to the existing 9 million tons of
JSC TAIF-NK. Moreover, in June 2012 the top management of JSC Tatneft (which
owns 91% of TANECO) confirmed that, subject to the RF Government support, the
capacity of the new refinery complex might be increased from 7 to 14 million
Therefore, in the middle term the quality of the
Urals blend may be significantly improved to become equal with Brent benchmark.
More importantly, the improved Russian brand may, with time,
"dethrone" the North Sea crude. The fact is that as a result of the
North Sea oil fields depletion (the peak production rate was achieved in 1984)
the Brent's share on the global market dwindles and it becomes increasingly
distant from the actual situation on the trading floors. The Urals' production
rate remains high and this brand may, subject to the quality improvement, substitute
Brent in the benchmarks' group.
The Russian transportation companies are working
to make it happen - Summa Capital Group plans on building, with Transneft's
support, a transshipment terminal for Urals in Rotterdam thus establishing a
dedicated trade floor for this brand and helping it acquire an independent
price status. Although this project still has several years to go (the
Rotterdam terminal is scheduled for commissioning in 2015) Platts already
regards Urals the second best (after Brent) brand traded on the European
As for Siberian Light and REBCO - they were both
designed to resolve the so called "Urals problem" as mentioned above.
However, Siberian Light has been in rather scarce supply on the global markets
due to the absence of the alternative ways of transportation.
Another attempt to boost the Urals price was the
introduction of REBCO (Russian Export Blend Crude Oil), which was close to
Urals in terms of the composition but meant exclusively for open trade, also
failed. The new brand was first offered at NYMEX (CME Group) in 2006 to meet
poor demand and now is traded out of formality rather than commercial
Development of the Sakhalin oil and gas fields
added two more brands to the Russian crude product range - Sokol (Sakhalin-1)
and Vityaz (Sakhalin-2). However, these brands are primarily supplied to the
Asia-Pacific Region and, therefore, not offered at the Western Europe markets.
It explains why the Urals, Siberian Light and REBCO prices are directly
depended upon the Brent quotations while Sokol and Vityaz prices are driven by
The quality of the two new brands is rather high
- Sokol is the best Russian crude oil. The more so, it tops Brent and WTI not
to mention Dubai Crude. Despite all that it stands very poor chances to become
a new global benchmark because the Sakhalin crude production and export volumes
are clearly too small to make it an equal rival to the current leaders.
Besides, there is a new brand, also Russian by the way, that may challenge the "big
three" domination. This brand is ESPO.
ESPO: new horizons
ESPO (Eastern Siberian Pipeline Ocean) is the
youngest Russian crude oil brand, it first appeared on the global markets in
late 2009. It is produced in Western and Eastern Siberia and moved via ESPO
pipeline to the Far East of Russia (port of Kozmino, Primorsky Area). Never
getting blended with the heavy crude from Tatarstan and Bashkorostan it is
therefore better than Urals.
As such, the new brand has been increasingly
well received in the Asia-Pacific Region, where ESPO is primarily supplied to.
While the first batch was sold (in December 2009) with a $0.5 discount to Dubai
(the benchmark for ESPO price determination) in early 2011 the Eastern Siberian
crude oil was traded with a premium of $2.2 to Dubai. The sales areal has been
rapidly expanding as well, and just in several months after the ESPO debut on
the market it was welcomed in the most of the Asia-Pacific Regions countries
Bulk (80%) of ESPO is purchased by oil traders
with one third of it by companies associated with G. Timchenko (Gunvor, Warly
International, IPP). The direct consumers (which account for over 20% of
deliveries) include BP, Shell, Chevron, Nippon, Total, Petronas, PetroVietnam.
The Russian exporters include Rosneft, Surgutneftegaz, Gazprom and TNK-BP.
In 2011 Russia began supplying ESPO to China via
a branch from ESPO pipeline in the vicinity of Skovorodino. Under the bilateral
agreement between Russia and China the former shall deliver 15 million tons of
crude oil per annum during 20 years between 2011 and 2030. This is about 8% of
the current Chinese exports or nearly 10% if inclusive of the volumes transported
by sea from Kozmino.
In 2010, the share of ESPO at the Asia-Pacific
Region market was about 1.5% but the commissioning of the branch pipeline to
China helped increase this share to 3%. In other words, it took ESPO brand only
two years to win a solid standing in the Asian markets.
Thus, ESPO is likely to continue succeeding on
the global markets because of its advantages over the crude oil from Persian
Gulf. First, ESPO quality is better than that of both benchmark Dubai and
fairly popular Oman - it is sweater, which benefits refineries because
desulfurization is a complex and costly process driving the fuel prices
upwards. Second, ESPO is closer in terms of transportation time and distance,
which is good for price. It takes a Middle East crude 2-3 weeks to reach a
buyer as opposed to the Eastern Siberia crude, which can be delivered within
3-5 days. A better delivery time means higher flexibility of the Russian
deliveries. Third, it is clearly to ESPO's advantage that the Asia-Pacific
Region countries are striving to diversify their oil imports. All that gives
reasons to believe that the Russian share in the oil imports by the largest
countries of the Asia-Pacific Region may reach 15-20%.
In view of the forgoing it would be safe to
assume that ESPO has come very close to becoming a new benchmark in the
Asia-Pacific Region market. According to the global market rules to accomplish
that goal Russia should be able to comply with two primary criteria:
sustainability of deliveries and relatively high sales. As for the first
criteria - pipelines are by far more reliable means of transportation than
tankers, especially in light of the fact that ESPO pipeline does not cross any
borders thus effectively excluding any transit-relating problems (for instance,
the Ukrainian gas transit standoff). Of course, one should not completely rule
out the possibility of the pipeline accidents, which (according to the third
party technical supervision reports outlining numerous regulatory violations
during the ESPO pipeline construction) appear quite probable. Anyway, I want to
believe that any accident would be repaired as soon as possible to resume crude
oil movements via the Eastern Siberian pipeline (such repair will, no doubt,
include environmental impact mitigation).
As for the second criteria, to become a
benchmark any brand should have at least 10% of the market. The estimated
capacity of the Asia-Pacific Region market, where major buyers include China,
Japan and South Korea, is 520-550 million tons.
Hence, volume of the benchmark deliveries should
be at least 50 million tons. Platts are sharing these views - they even say
that 30 million tons would do providing there are no drastic changes in
quality. In any case, 50 million tons should be used as a base case scenario
coupled with the fact that the Asia-Pacific Region market is gradually growing.
And ESPO sales can reach this critical threshold
because Transneft intends to commission the second phase of ESPO pipeline
(ESPO-2), expand the transshipment capacity of Kozmino terminal from 15 to 30
million tons per annum and increase the throughput capacity of the pipeline
section between Tayshet and Skovorodino (ESPO-1 Expansion) to 50 million tons.
It should be noted though that the required linefill volumes would not be available
till 2014 when the major ESPO supplier Vankorskoye field currently producing 15
million tons is scheduled to reach the designed production rate (25 million
tons). It is only after that when Russia will be able to formally nominate ESPO
It means that the Russia's third attempt to
establish the internationally recognized crude oil brand may finally be
successful. It is now imperative that Russia does not miss this chance and
works consistently to secure the required crude oil exports volumes and takes
reasonable approach towards trade with its eastern neighbors.
|
economics
|
http://www.cybersecuritydegree.me/2014/01/cybersecurity-salaries.html
| 2018-10-18T22:54:03 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583512015.74/warc/CC-MAIN-20181018214747-20181019000247-00007.warc.gz
| 0.962806 | 224 |
CC-MAIN-2018-43
|
webtext-fineweb__CC-MAIN-2018-43__0__190908035
|
en
|
How much do cybersecurity jobs pay?
Data security analysts to be between $89,000 and $121,500 in 2012 and a systems or network security administrator’s wages to be between $85,000 and $117,750 (survey by Robert Half Technology).
The same survey estimated that a network architect makes between $95,500 and $137,000 in 2012.
Web developers make between $61,250 and $99,250 in 2012, according to the survey
The median annual wage of information security analysts, web developers, and computer network architects was $75,660 in May 2010. The median wage is the wage at which half the workers in an occupation earned more than that amount and half earned less. The lowest 10 percent earned less than $43,190, and the top 10 percent earned more than $119,940.
Most information security analysts, web developers, and computer network architects work full time. Information security analysts sometimes have to be on call outside of normal business hours in case of an emergency at their organization. (source: US Dept. Of Labor)
|
economics
|
http://www.silagra-100mg.com/silagra-india/
| 2013-12-07T12:32:30 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386163054424/warc/CC-MAIN-20131204131734-00053-ip-10-33-133-15.ec2.internal.warc.gz
| 0.940072 | 168 |
CC-MAIN-2013-48
|
webtext-fineweb__CC-MAIN-2013-48__0__19977131
|
en
|
Silagra is produced by Indian manufacturer Cipla. So, what do we know about pharmaceutical industry in India?
The Indian Quality Standards are very close to the WHO standards and there are over 2,500 manufacturers in India that are very tightly controlled. There is a death penalty for faking/counterfeiting drugs and the entire industry is about US$40 billion in size.
Most reputable pharmaceutical companies have their factories in India: Ranbaxy, Cipla, Pfizer, Dr.Reddy’s, Novartis, Merck, Ajantha, GSK, Sanofi-Aventis and 10s of others. The Indian subcontinent has the largest number of USFDA approved factories outside the USA in the world and the Indian pharmaceutical industry is a very strong force to reckon with.
|
economics
|
http://hickman-lowder.com/hickman-lowder-weblog/30-disabilities/389-able-act
| 2017-04-27T12:53:16 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917122167.63/warc/CC-MAIN-20170423031202-00182-ip-10-145-167-34.ec2.internal.warc.gz
| 0.96876 | 265 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__129376286
|
en
|
Congress has passed the Achieving a Better Life Experience (ABLE) Act this week, which promises to help individuals with disabilities and their families save for disability-related expenses and proactively plan for their futures. The ABLE Act would allow a single tax-free savings account to be established for individuals who were disabled before the age of 26.
These individuals could save $14,000 per year to pay for future health-care costs, housing, lifelong education, transportation, and other necessary expenses. Such accounts would resemble 529 college savings plans and anyone would have the opportunity to contribute to them, as long as total contributions do not exceed $14,000 annually. Additionally, individuals would not forfeit their eligibility for Medicaid, Social Security Income (SSI), or other governmental benefit programs as would be the case under existing law. ABLE accounts are meant to supplement and not replace these benefits, though it should be noted that if the account surpasses the maximum amount of $100,000, then SSI payments would be suspended. Funds remaining in the account at the death of the beneficiary must be paid to the state up to the amount of Medicaid benefits provided after the account was established. The bill will now be sent to President Obama, who is expected to sign it.
- Posted by Hickman & Lowder Staff
|
economics
|
http://www.babalrayanco.com/main.php?strLang=en
| 2017-04-26T03:54:29 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121153.91/warc/CC-MAIN-20170423031201-00048-ip-10-145-167-34.ec2.internal.warc.gz
| 0.969679 | 122 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__173267544
|
en
|
Bab Al Rayan was established in Kuwait in 2004. The objective of starting the company was to meet the demands of the fast growing Kuwaiti national market and to have better solutions for the problems prevailing in the field of Aluminum and Steel works.
Today Bab Al Rayan is recognized in the national market by its creative artwork in the field of Aluminum and steel works. Almost all of the architectural units fabricated are custom designed to meet and fulfill the customer requirements. Our expert and dedicated design and manufacturing team is fully dedicated for the constant product up gradation in line with the new trends and developments in the market.
|
economics
|
https://metrohairtransplantindia.com/cost-of-hair-transplantation/
| 2021-03-04T22:35:38 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178369523.73/warc/CC-MAIN-20210304205238-20210304235238-00511.warc.gz
| 0.929537 | 2,751 |
CC-MAIN-2021-10
|
webtext-fineweb__CC-MAIN-2021-10__0__213889197
|
en
|
Cost of Hair Transplantation
HAIR TRANSPLANT COST
Cost is the crucial factor that can affect your decision of undergoing hair transplantation. Many people believe that hair transplant is the most expensive treatment but the fact is that it is a beneficial investment for a fuller head of hair.
Clinics offering hair restoration services differ on the basis of procedures, quality and cost, so running behind only cheap hair transplants can be a wrong decision for restoring your looks , so there is need to understand the cost factor of this surgical procedure so that you can take a rational decision.
Cost of Hair Transplant in India is not fixed; it can vary from patient to patient according to the needs and expectations. The factors that can affect the hair transplant cost in India are;
- The extent of baldness
- Area to be treated during surgery
- Number of grafts to be extracted and implanted
- Number of sessions required for compete procedure
- Cost calculating policy of clinic
- Per graft cost variation
- Selection of clinic and surgeon for treatment and the reputation of the clinic
- Method applied for transplantation
- Technology used for surgery
- Additional treatment given like PRP THERAPY however some clinics offer one free session of PRP THERAPY
- Cost can be higher if the clinic also offers the financing facility according to the rate of interest charged
So it can be said that cost can vary according to individual’s requirement for instance if a patient has level 2 or above Norwood scaling baldness, then the cost of the treatment can be higher. For Norwood scaling of level 1 or 2 baldness, cost can be less whereas it can be higher for level 3 and it is calculated per graft.
For higher levels like 5 and 7, cost of treatment is calculated in lump sum so it can be higher according to cost calculation policy of clinic
In India, cost per graft is Rs 25-30 so in total it can vary from Rs 40,000- 80,000, depending upon this range generally clinics calculate the cost by multiplying the total number of grafts transplanted with cost per grafts.
However some other costs are also included in the total cost of treatment like
- Surgeon fee
- OT charges
- Accommodation charges
- Medications given
- Documentation or registration charges
- Some clinics also add consultation fee in total cost
- In few clinics, there are also some other hidden costs included in the total cost
Options/Techniques of Hair Transplantation in India
When it comes to hair restoration options in India, there are a variety of techniques and therapeutic approaches that can be considered to restore a patient’s hair. Both these hair restoration approaches are conducted with absolute expertize and excellence to deliver the best services and natural results.
Basically, there are two techniques of hair restoration known as Follicular Unit Extraction (FUE) and Follicular Unit Transplantation (FUT). With time, these techniques have become revolutionary with the fact that there are millions of males and females who seek to restore their hair surgically.
Follicular unit transplant (FUT)
In this method surgeons extract the strip of hair bearing skin from the permanent zone of the scalp, generally taken from the back scalp. Strip of less resistant hair follicles is dissected in normal grouping of hair 1-4 and then transplanted in the bald portions according to requirement. In this method there is need to close with stitches the donor area after extraction
Follicular unit extraction (FUE)
In this method follicular units are picked and extracted individually from the donor part on the basis of best quality and then transplanted in the recipient area at adequate depth, distance and angle to give natural appearance to patient.
Generally clinics charge higher in case of FUE method.
At metro hair transplant centre, you can have affordable treatment as we provide free consultation, use technology that not only improve results but also cut down the cost of procedure.
No hidden cost is charged from the patients and you can even get a cost estimation prior to the transplantation surgery.
Our cost is calculated on the basis of the number of the grafts. We highly believe in transparency, so no hidden costs are taken from the patients. Infect patients can enjoy many benefits included in the cost
Benefits included in the cost
- Free accommodation
- Medical expenses
- Charges for all transfers
- Hair care products
- 24/ 7 care
- PRP therapy
You can get the best hair transplantation prices from us with the extra benefits of choosing India’s best centre. Choosing the certified and well known clinic can give the benefit of best treatment and care during the stay. We take care for the sterile environment and use of ISHRS approved equipment while the restoration procedures and each surgery is performed by experienced surgeon with the team of certified doctors and nurses.
The Bio-FUE technique is an advancement of FUE and PRP therapy. During the BIO-FUE procedure, the hair follicles are extracted and implanted under the FUE protocols.
The surgeon may choose to extract a patient’s blood before or after the surgery. After extracting the blood, it is introduced to the centrifugation process where a rich serum is derived.
This serum consists of a stronger healing composition that is able to stimulate more hair growth.
This serum is injected into the recipient region to attain a fuller head and pleasant hair results.
Direct Hair Implantation (DHI)
During this technique, hair follicles are individually extracted and then implanted directly without storing them in a saline solution. The procedure allows a patient to enjoy natural results since there is no strip made.
Also, there is no shaving, scalpels, or stitches.
The DHI procedure utilizes a DHI implanter to implant each hair follicle in a specific angle, direction, and depth while observing the natural hairline.
An Estimation of the Hair Transplant Cost in India
An estimation of the hair transplant cost in India can be provided as below since each patient’s hair restoration requirement differ significantly. One’s hair transplant cost may differ depending on;
- The level of hair loss or baldness
- The city, or hair transplant centre selected
- The type of technique to be used
- Premium or standard packages
- Laboratory or additional charges
- Number of sessions or sittings
All in all, Metro hair transplant centre offers cheapest hair transplant in India without compromising with the desired natural results. An estimation of the hair transplant in India can be illustrated as below;
|No.of hair follicles||FUE Technique (Rs) Cycle||FUT Technique (Rs)||No. of Sittings|
|500 & Below||45,000||40,000 & below||1|
|3600 & Above||5,00,000 & Above||4,80,000 & Above||3-|
Facts About Hair Transplantation in India
- In a survey, according to ISHRS, an increment of 64% in hair transplant procedures was realized in 2016
- Over-the-counter drugs to reverse hair loss are being foregone by at least 80% of men and women to attain hair transplant procedures for permanent hair restoration
- India is one of the leading hair transplant destinations in the world, with a tag of the “cheapest hair transplant cost in India” and technical innovations than in other countries.
- The world-class developments in the hair restoration sector like ARTAS “Robotic FUE hair transplant” are seen as ideal options for combating baldness in 80% of males and females
A Comparison of Hair Transplant Cost in India & Other Developed Countries
As we all know that the hair transplant cost is basically determined by the cost of a single graft, many patients find themselves frustrated with the total cost of their hair transplant procedure.
Before you opt to fly to another country for a hair transplant, here is an overview of the graft cost in India and in other countries .
|Technique||Cost per graft in UAE (RS)Cycle||Cost per graft in Turkey (RS)||Cost per graft in USA (RS)||Cost per graft in UK (RS)||Cost per graft in Singapore||Cost per graft in Mexico (RS)(Rs)||Cost per graft in Thailand (RS)||Cost per graft in India (RS)|
From the above-illustrated table, you are able to ascertain that the hair transplant cost in India is much more affordable and cost-effective compared to other countries.
In some cases, the cost per graft shouldn’t be the main determinant for a hair transplant since it significantly scares away patients.
The main factors that influence the hair transplant cost in India and in other countries
The following are some of the main factors that influence a hair transplant cost;
- The Country
Many of the developed countries, including the developing countries provide hair transplantation. India is recommended as the top destination for hair transplant due to technological advancement and cost-effectiveness.
- Expertise and Experience
Worldwide, India is known for its extreme expertise, dedicated surgeons, and competence. With that, India comes first in terms of medical tourism including hair transplantation. When compared to other countries like USA and UK, India’s experienced surgeons charge less, yet provide world-class services.
- Hair Transplant Centres
There are both growing and already developed hair transplant centres in India and all over the world. Developed hair transplant centres or clinics charge more than the developing centres due to popularity, facilities, and expertise.
- Techniques & Technology
Currently, the hair transplant sector is driven by technology because of the desire to attain natural results. Hair transplant centres that provide the robotic hair transplant procedures happen to charge higher prices due to the technology involved in the procedures.
- The growing market
The hair transplant sector/market is recorded to be growing at the fastest rate as compared to the last 2 decades. This is because of the high levels of hair loss and the desire to recover hair plus the natural looks.
- Persuasive packages
In India and all over the world, hair transplant centres and clinics provide various packages that depict a slight reduction in hair transplant costs. This acts as a booster for patients to attain the services.
Why get a Hair transplant in India & at Metro hair transplant centre?
- Premium expertize
- Excellent technical approaches
- There is no need to worry about the FUE cost in India due to various packages available
- Assured natural results
- No or minimal graft wastage
- Reliable speed, effectiveness, and highly experienced surgeons
Frequently Asked Questions
Whether I have to pay before the treatment?
Our payment procedure is simple and transparent that does not include any pre-payments. Patients are asked to pay at the clinic after their consultation with the operating specialist.
If you are visiting us from overseas then you can consult our specialist on phone then as per the telephonic conversation you have to pay some percentage of the treatment cost in advance for the booking of surgical date however this percentage will be adjusted at the time of full payment for the treatment.
What is mode of payment?
Cash payments are accepted and prices are quoted in Indian currency, if you want to pay in any other currency then payment can be paid as per the daily conversion rate. Even payment can be done by debit or credit card if you are from other country and want to pay by card then charge will be converted to local currency after adding the additional taxes and fees for conversion.
Are there any other hidden expenses?
We believe in transparent payments so there are not any hidden charges taken from you all the accommodation, transportation, medical and other facilities as explained above are included in cost.
Bringing cash or valuables is safe?
Without any fear you can bring your belongings as our center provides a transport facility which is safe and even while staying in room safety has been taken care of as one has to access magnetic card for visiting patient floor and room.
Is there any arrangement to stay?
Yes there is comfortable arrangement for the patients especially that visitor from locations other than local. Each patient’s room is comfortable with specially designed bed and attached bathroom. In few cases we arrange hotels without any extra cost.
How many grafts will you transplant?
Count of grafts is determined by the specialists on the basis of extent of baldness and condition of donor area. Harvesting and extracting too many grafts can lead to permanent damage of scalp so during the pre consultation session a closest estimation for grafts is given by the specialist and after the surgery exact number of implanted grafts will be given to you.
Where will my transplantation surgery take place?
The actual treatment is done in highly sterile operating room of the center with the ISHRS approved and sterile equipments. After the surgery patient can stay at the patient rooms in the same premises.
Will I need to purchase additional medication or hair care products after the transplant?
Patient will be given all the essential medication and hair care products after the treatment including the shampoo, lotion and a hat. Even package of the anti inflammatory medication will also be given; these all will be included in the quoted prices. However other products if needed can be purchased with the discount from the centre.
|
economics
|
http://www.finalstory.org/differences-between-private-and-public-insurance-for-addiction-treatment/
| 2019-03-18T19:36:26 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912201672.12/warc/CC-MAIN-20190318191656-20190318213656-00082.warc.gz
| 0.949573 | 617 |
CC-MAIN-2019-13
|
webtext-fineweb__CC-MAIN-2019-13__0__63778856
|
en
|
Differences Between Private and Public Insurance For Addiction Treatment
Despite being a manageable health condition where complete remission is possible and an increase in treatment options, the stigma surrounding mental health and substance use disorder has remained constant. Addiction affects many facets of an individual’s functioning and a good treatment program focuses on many dimensions of their life and includes any number of components that may change over the course treatment and recovery. Such components of treatment may include:
- A medically supervised detoxification
- A comprehensive medical and psychiatric screening by licensed and certified staff members
- Medications that counter the need for mood or mind-altering substances
- Cognitive behavior therapy (CBT)
- Group Therapy and peer support programs as well as family therapy
- Inpatient or outpatient clinic to long-term residential facility services
- Life skill training
Now, an effective treatment regimen that addresses prevention and relapse management, including regular monitoring of individual progress may be off-putting to many addicts because it requires some sort of payment. Additionally, obtaining insurance for drug rehab may also not seem like a financially sound thing to do, especially when the only thing they need it for is to seek treatment for addiction. According to the National Survey on Drug Use and Health, people struggling with any form of substance use disorder do not receive treatment because they lack health insurance coverage.
Addiction is considered a diagnosable and treatable disease and an essential health benefit under the new health care laws, and it is illegal for insurance companies to refuse coverage for patients because of addiction. Private insurance plans such as those offered by Aetna insurance for drug rehab, Cigna insurance for drug rehab and United insurance for drug rehab will typically cover assessments, detoxifications, outpatient treatment and inpatient or residential treatment among other services.
Such insurance plans use specialty treatment, particularly for individuals with severe alcohol and drug use disorders. Unlike group or public insurances, private insurance plans are acquired independently either through a person’s employer or member association and offer more options for various types of treatments. They fall into either HMO plans, PPO plans, and Point-of-Service plans.
Public insurance plans are state- or government-funded and are ideal for individuals who may not be able to acquire or purchase a private insurance plan such as low-income families or unemployed individuals. Private insurance plans have eligibility requirements, for instance, you either need to be on a state-funded Medicaid (government-regulated public insurance benefit) to prove that you can’t afford private insurance or are receiving Social Security Income (SSI). Individuals who are 65 and older and on Medicare, also a federally funded public insurance program, are eligible for public insurance plans to help them seek treatment for their addiction.
Note that even though covered by a private or public insurance plan for addiction treatment, the percentage paid by an insurance carrier may vary according to each state, the plan, and the treatment center. Also, some plans may cover the entire bill after deductibles, while others will only pay for part of the treatment.
|
economics
|
https://www.ksfmlaw.com/2013/09/04/another-big-day-for-same-sex-marriage/
| 2021-10-22T09:25:50 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585504.90/warc/CC-MAIN-20211022084005-20211022114005-00711.warc.gz
| 0.980242 | 538 |
CC-MAIN-2021-43
|
webtext-fineweb__CC-MAIN-2021-43__0__67682785
|
en
|
In the most important news for same-sex couples since the Supreme Court struck down the Defense of Marriage Act (DOMA) in June, the Internal Revenue Service issued a press release on August 29 stating that it has ruled that, for federal tax purposes, all same-sex couples who married legally in jurisdictions that recognize their marriages will be considered married. That means that a same-sex couple who married in, say, the District of Columbia but lives in Virginia will be considered married by the IRS, even though the state of Virginia does not recognize same-sex marriages (or same-sex relationships of any sort).
In other words, married same-sex couples will have the same legal rights and obligations under the Internal Revenue Code as heterosexual couples, regardless of where that same-sex couple lives. The will have to file their 2013 taxes – jointly or separately – as married and incur the benefit or “marriage tax,” depending on their particular circumstances, of filing in that status. They will also now be able to put their same-sex spouses on their employer-provided health insurance with the two-fold tax benefit of (1) not having to pay taxes on the health insurance premium subsidy provided by their employer for their spouse’s insurance and (2) having the employee share of the health insurance premium for their spouse’s coverage, like the premium for the employee’s coverage, taken out of pre-tax income. To name a few other consequences, if a same-sex couple divorces, the couple will be able to divide, transfer, and retitle property without tax consequences, and when a spouse dies, the part of the estate going to the surviving spouse will not be subject to estate taxes.
Even before the IRS ruled on the question, it was clear that married same-sex couples living in states like Maryland and Massachusetts, which recognize their marriage, would be treated the same for tax purposes as heterosexual couples – one of the most important consequences of the Supreme Court’s decision in U.S. v. Windsor, striking down DOMA. What was not clear was whether married same-sex couples living in states that do not recognize their marriage would be considered married for federal tax purposes. For them, the IRS ruling is huge.
In its August 29 ruling, the IRS also made clear that same-sex couples who married in previous years and want to amend their tax returns to change their filing status to married can do so “for one or more prior tax years still open under the statute of limitations.” They can also seek refunds for taxes they would not have paid if their marriage had been considered legal.
|
economics
|
http://ir.cdevinc.com/news-releases/news-release-details/centennial-resource-development-inc-announces-first-quarter-2017
| 2023-11-29T14:20:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100112.41/warc/CC-MAIN-20231129141108-20231129171108-00807.warc.gz
| 0.897522 | 331 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__14726032
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|
DENVER, April 26, 2017 (GLOBE NEWSWIRE) -- Centennial Resource Development, Inc., together with its affiliates (“Centennial” or the “Company”) (NASDAQ:CDEV), announced today that it will report first quarter 2017 financial and operating results after the market closes for trading on May 10, 2017. Management will host an earnings conference call on May 11, 2017 at 8:00 a.m. Mountain (10:00 a.m. Eastern). Interested parties are invited to participate on the call by dialing (800) 789-3525, or (442) 268-1041 for international calls, (Conference ID: 11411705) at least 15 minutes prior to the start of the call or via the internet at www.cdevinc.com. A replay of the call will be available on Centennial's website or by phone at (855) 859-2056 (Conference ID: 11411705) for a 14-day period following the call.
About Centennial Resource Development, Inc.
Centennial Resource Development, Inc. is an independent oil and natural gas company focused on the development of unconventional oil and associated liquids-rich natural gas reserves in the Permian Basin. The Company’s assets and operations, which are held and conducted through Centennial Resource Production, LLC, are concentrated in the Delaware Basin, a sub-basin of the Permian Basin. For additional information about the Company, please visit www.cdevinc.com.
Director, Investor Relations
Centennial Resource Development
|
economics
|
https://www.coreredevelopment.com/indy-redevelopment-company-buys-deming-center-for-800k/
| 2021-10-21T08:53:08 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585382.32/warc/CC-MAIN-20211021071407-20211021101407-00325.warc.gz
| 0.958901 | 292 |
CC-MAIN-2021-43
|
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|
en
|
Indy Redevelopment Company Buys Deming Center for $800K
Arthur Foulkes | TRIBUNE-STAR
Core Redevelopment, an Indianapolis company that specializes in rehabilitating historic buildings for modern residential use, has purchased Terre Haute’s downtown Deming Center.
The Terre Haute Housing Authority board of directors voted earlier tonight to accept a purchase agreement with Core for $800,000.
“We are excited about the opportunity to come over and give the Deming Center its next life,” said John Watson, CEO of Core. The company will start renovations as soon as the building is vacant, he said.
Watson told the board, which approved the sale without opposition, the building will be mostly utilized as housing for Indiana State University students. The ground floor will contain commercial businesses, he said.
Presently, the Deming Center, which is at Sixth and Cherry streets, contains 109 apartment units occupied by Housing Authority tenants. The building is officially owned by the Low Income Housing Development Corp., a not-for-profit arm of the Housing Authority.
Jeff Stewart, executive director of the authority, said Deming Center tenants should be moved out of the building by the end of the year or by the end of January 2015 at the latest. Most of the tenants will be moving to Warren Village, a new Housing Authority-managed property on North 25th Street.
|
economics
|
http://mortgage.chainbridgebank.com/PageContent.aspx?PageID=50
| 2017-03-29T07:10:13 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218190234.0/warc/CC-MAIN-20170322212950-00423-ip-10-233-31-227.ec2.internal.warc.gz
| 0.895391 | 132 |
CC-MAIN-2017-13
|
webtext-fineweb__CC-MAIN-2017-13__0__19954014
|
en
|
The Nationwide Mortgage Licensing System & Registry (“NMLS”) is the system of record for all federal registrations required of federally regulated mortgage loan originators.
Mortgage loan originators employed by federally insured or chartered institutions must meet all requirements of the federal registration process. An “active” status indicates that the mortgage loan originator currently meets all those requirements.
Chain Bridge Bank, N.A. NMLS Number: 405543.
Mortgage Loan Officer Joseph Nelson NMLS Number: 368727.
Mortgage Loan Officer Marv Stanger NMLS Number: 189967
|
economics
|
https://hindimai.net/business-liability-insurance/
| 2023-09-22T09:31:25 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506339.10/warc/CC-MAIN-20230922070214-20230922100214-00577.warc.gz
| 0.932116 | 1,175 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__70459211
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|
Discover the importance of business liability insurance in safeguarding your enterprise. Get insights into coverage, benefits, and FAQs in this comprehensive guide.
In the unpredictable world of business, uncertainty is the only certainty. Every entrepreneur knows that success comes with its fair share of risks. From unexpected accidents to unforeseen lawsuits, the challenges can be daunting. This is where business liability insurance steps in as a safeguard for your enterprise. In this article, we’ll delve into the intricacies of this invaluable asset, shedding light on its significance, types, and everything you need to know to protect your business effectively.
Business Liability Insurance: An Overview
Business liability insurance, also known as commercial liability insurance, is a specialized insurance policy designed to shield your business from financial losses resulting from legal claims. These claims can arise from various sources, including accidents on your business premises, defective products, or alleged negligence by your company.
Types of Business Liability Insurance
- General Liability Insurance: This broad coverage protects your business from claims related to bodily injury, property damage, and personal injury. It’s a foundational policy for most businesses.
- Professional Liability Insurance: Also known as errors and omissions insurance, this policy is crucial for service-based businesses. It covers claims of negligence, errors, or omissions made by professionals.
- Product Liability Insurance: If your business manufactures or sells products, this insurance covers you against claims related to product defects or harm caused by your products.
- Employment Practices Liability Insurance (EPLI): EPLI safeguards your business from claims of wrongful termination, discrimination, harassment, or other employment-related issues.
- Cyber Liability Insurance: In the digital age, protecting your business from data breaches and cyber-attacks is paramount. Cyber liability insurance provides coverage for these risks.
Why You Need Business Liability Insurance
Protection Against Legal Claims
Business liability insurance is your financial shield against legal claims and lawsuits. Without it, a single lawsuit could cripple your business. With the right coverage, you can face legal challenges with confidence.
Your personal assets are at risk without liability insurance. In case of a lawsuit, your personal savings, home, or other assets could be seized to cover business-related liabilities.
Professionalism and Trust
Having business liability insurance conveys professionalism and trustworthiness to clients and partners. It shows that you’re prepared for unforeseen events and are committed to protecting stakeholders.
In some industries and locations, having liability insurance is mandatory. Ignoring these requirements can result in fines, penalties, or even business closure.
How to Choose the Right Coverage
Selecting the right business liability insurance coverage is a critical decision. It’s not a one-size-fits-all situation, as different businesses have unique needs. Here are some factors to consider:
Industry and Risk Assessment
Evaluate the specific risks associated with your industry. Some businesses are inherently riskier than others. Understanding your risks helps you tailor your coverage.
Determine the appropriate coverage limits. This should take into account potential legal costs, settlements, and damages. Underestimating this can leave you underinsured.
Choose a deductible that aligns with your budget and risk tolerance. A higher deductible often results in lower premiums but may require you to cover more of the costs in the event of a claim.
Carefully review policy exclusions. Be aware of what is not covered, as this can vary between insurance providers and policies.
Select a reputable insurance provider with experience in your industry. Research and compare quotes from multiple providers to get the best deal.
FAQs About Business Liability Insurance
1. What does business liability insurance typically cover? Business liability insurance typically covers legal expenses, settlements, and damages related to claims of bodily injury, property damage, personal injury, negligence, or product defects.
2. Is business liability insurance tax-deductible? In most cases, business liability insurance premiums are tax-deductible as a legitimate business expense. However, it’s essential to consult with a tax professional for guidance specific to your situation.
3. Are all employees covered under business liability insurance? The coverage can vary based on the policy and the type of claim. Some policies may cover all employees, while others may have specific exclusions. It’s crucial to review your policy carefully.
4. Can I combine business liability insurance with other business insurance policies? Yes, you can often bundle business liability insurance with other policies, such as property insurance or business interruption insurance. This can result in cost savings and simplified management.
5. How do I file a claim with my business liability insurance provider? To file a claim, contact your insurance provider immediately after an incident occurs. They will guide you through the process, which typically involves providing details of the claim and any supporting documentation.
6. Is business liability insurance expensive? The cost of business liability insurance varies widely depending on factors like the type of business, coverage limits, and deductible chosen. It’s an investment in your business’s protection and reputation.
In the complex world of business, mitigating risks is essential for long-term success. Business liability insurance is not just an expense; it’s a strategic investment in the security and sustainability of your enterprise. By understanding its nuances and tailoring coverage to your specific needs, you can protect your business, reassure stakeholders, and navigate the unpredictable with confidence.
Don’t leave your business vulnerable to legal and financial challenges. Explore your options, consult with insurance experts, and secure the peace of mind that business liability insurance provides.
|
economics
|
https://limitlessguns.com/faq/
| 2023-11-28T17:25:09 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679099892.46/warc/CC-MAIN-20231128151412-20231128181412-00810.warc.gz
| 0.9385 | 296 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__141476715
|
en
|
All orders processed and shipped out in 1 to 2 business days by the # 1 e-commerce fulfillment company in the country, Fulfillment.com! Shipping is with FEDEX/SAIA and delivery in 1 to 5 business days after the shipping date.
All items are in stock in our warehouse ready to ship within 1 to 2 business days by the # 1 e-commerce fulfillment company in the country, FULFILLMENT.COM!
No, unfortunately due to ammo sales and shipping restrictions we do not sell to online retail customers in the following states: ALASKA / CALIFORNIA / CONNECTICUT / HAWAII / ILLINOIS / MASSACHUSETS / NEW JERSEY / NEW YORK.
We do sell B2B to Federal Firearms License holders in all US states (click here)
All sales are final, we cannot take ammunition or other products in return that have been in the hands of the public. Exceptions are made for defective merchandise only. In the event of receiving a product that is defective you must notify us by email within 30 days of the purchase date to [email protected] explaining the issue in detail with clear supporting photos attached. If deemed defective, we will either have the return made to the manufacturer for exchange or to us for an exchange or refund, our choice. All products are sold ‘AS IS’ with no warranty expressed or implied.
|
economics
|
https://shea-porter.house.gov/media/press-releases/shea-porter-co-introduces-landmark-new-gi-bill
| 2018-06-23T05:53:38 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267864943.28/warc/CC-MAIN-20180623054721-20180623074721-00566.warc.gz
| 0.952197 | 623 |
CC-MAIN-2018-26
|
webtext-fineweb__CC-MAIN-2018-26__0__15423446
|
en
|
Shea-Porter Co-Introduces Landmark New G.I. Bill
WASHINGTON, DC – Congresswoman Carol Shea-Porter (NH-01) today co-introduced the Harry W. Colmery Veterans Educational Assistance Act of 2017, a bipartisan bill that would represent the largest update to the GI Bill since the passing of the Post-9/11 GI Bill in 2008.
“I’m proud to co-introduce today’s bipartisan bill, which is the most significant expansion of GI Bill education benefits in a decade,” said Shea-Porter. “We can never fully repay veterans and their families for their service, but expanding access to education is a good way to show our gratitude. I am especially glad this bill includes a provision I introduced earlier this year to ensure that deployed National Guard and Reserve members will qualify for the same educational benefits as those they served alongside once they return home.”
“After returning from Iraq, I relied on the Post 9-11 GI Bill to attend UNH Law the very first semester it went into effect in 2009. It is great that this bill will modernize and expand the benefits that got me where I am today to returning service members, including National Guard members and Reservists,” said Portsmouth City Councilor Josh Denton, a former Army officer.
Today’s bill represents the largest expansion of GI education benefits since the 2008 Post-9/11 GI Bill, for which Shea-Porter voted. It would extend eligibility for education assistance to National Guard and Reserve component members who served or will serve alongside active duty troops, a priority Shea-Porter has championed in the House with her Reserve Component Benefits Parity Act.
The bill also allows future GI Bill recipients to use the benefits over the course of their life, eliminating the current “use it or lose it rule” that caps eligibility for benefits at 15 years. In addition, it allows all Purple Heart recipients since 9/11 to qualify for these benefits and restores education assistance for veterans who attended for-profit colleges that folded, two provisions Shea-Porter has championed this year.
A former military spouse, Shea-Porter helped pass the 2008 Post-9/11 GI Bill, legislation that helps many of our nation's veterans pursue their education and successfully transition to civilian life. The Department of Veterans Affairs will issue approximately $13 billion in Post 9/11 GI Bill benefits to almost 900,000 individuals this year. Currently, 7,388 students across New Hampshire rely on these benefits for graduate and undergraduate degrees, vocational and technical training, on-the-job training, flight training, correspondence training, licensing and national testing programs, entrepreneurship training, and tutorial assistance [XLS]. This year, Southern New Hampshire University ranks 10th in the country for total number of GI Bill recipients, with 4,806 students receiving over $23 million in Post 9/11 GI Bill benefits, and 290 students are currently using the benefit to attend UNH’s flagship campus in Durham.
|
economics
|
https://neweconomicthinking.org.uk/speaker/ger-klaassen/
| 2023-11-29T22:51:14 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100146.5/warc/CC-MAIN-20231129204528-20231129234528-00130.warc.gz
| 0.914015 | 148 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__220957386
|
en
|
Ger Klaassen joined the European Commission in 2004, after working as economist at the International Institute for Applied Systems Analysis (IIASA). At IIASA he worked on transboundary air pollution and economic instruments, global energy scenarios, renewable energy policies and gas infrastructures. He holds a PhD in economics from the Free University in Amsterdam. He was visiting professor at Colorado College and the University of Economics and Business Administration in Vienna, teaching environmental economics and innovation. Currently he works as policy analyst on strategy and economic assessment of the Directorate General for Climate Action of the European Commission. He contributes to the economic analysis of the EU climate energy policy i.e. the macroeconomic impacts and co-benefits for air pollution.
|
economics
|
http://www.sinobiopharm.com/en/about/enterprises/2.html
| 2022-08-13T19:04:05 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882571982.99/warc/CC-MAIN-20220813172349-20220813202349-00363.warc.gz
| 0.926197 | 889 |
CC-MAIN-2022-33
|
webtext-fineweb__CC-MAIN-2022-33__0__42103399
|
en
|
CTTQ Co., Ltd.
Chia Tai Tianqing Pharmaceutical Group Co., Ltd. is an innovative pharmaceutical group enterprise that integrates scientific research, production and sales; a well-known R&D and production base for pharmaceuticals that work against hepatopathy and anti-tumor drugs; a national key high-tech enterprise; and a key backbone enterprise of the Lianyungang New Pharmaceutical Industry Base which operates under the National Torch Plan. It ranked 16th in the top 100 enterprises in China's pharmaceutical industry in 2018 and was the best industrial enterprise in China's pharmaceutical R&D product line in 2019 (selected and announced by the China National Pharmaceutical Industry Information Center).
CTTQ always regards scientific and technological innovation as an important strategy for corporate development, and it is one of the pharmaceutical companies that invest more in innovative pharmaceutical research in China. With the research institute as the innovation carrier, CTTQ has successively established high-level R&D platforms such as “Jiangsu new hepatopathy drug engineering technology research center”, “Post-doctoral scientific research working station”, “National enterprise technology center” and “Jiangsu key laboratory of research on antiviral targeted drugs”, and its independent innovation capability has been continuously enhanced.
With its corporate development and improvements in its R&D capabilities, the annual R&D investments of CTTQ accounts for 10-12% of annual sales revenue. At present, the company is researching 251 projects, including 74 innovative drugs, 146 generic drugs, and 31 biological drugs.
CTTQ has four production bases in Lianyungang. The preparation base has obtained the first new GMP certificate in China, and many production lines have passed the EU's cGMP certification and the USA's FDA certification. The acquisition of these certificates indicates that the enterprise's pharmaceutical production quality and management level are at the forefront of the Chinese pharmaceutical industry.
CTTQ has six major series of products in the fields of oncology, hepatopathy, respiration, infection, endocrinology and cardiovascular and cerebrovascular diseases, and has more than 20 products with annual sales of over 100 million Chinese Yuan, forming a “100 million Chinese Yuan product group”. CTTQ has also formed a unique product line in the anti-tumor and hepatopathy fields. The first new type of drug (FTND), Anlotinib Hydrochloride capsules, is the standard drug for the three-line treatment of patients with advanced non-small cell lung cancer. The company has many product lines that work against hematological tumors, and its products Decitabine (first generic), Imatinib (first generic), Dasatinib (first generic), Bortezomib, and Lenalidomide have all been put onto the market. The products that work against solid tumors, such as Capecitabine, Abiraterone, Gefitinib, etc., have also been put on the market. Respiration, antibiotics and other fields are the key directions for the future development of the enterprise. As for biological drugs, Rituximab injection, Bevacizumab injection, Adalimumab injection and Trastuzumab injection have all entered phase III clinical studies.
With regards to its future development, CTTQ will continue to maintain its leading position in the field of hepatic health, aiming at the cure of hepatitis B and contributing to the global elimination of viral hepatitis by 2030. It shall also focus on creating innovative product lines in the fields of oncology and respiration, and shall promote the shift of the enterprise from “mainly against hepatopathy” to “two cores and multiple strengths”; from chemical drugs to a “combination of chemical drugs and biological drugs”; from a “combination of innovative drugs and generic drugs” to “being led by innovative drugs”; and from “focusing on China” to “coordinated development at home and abroad”. At the same time, it shall innovate its technological approach and business models to promote the transformation and improvement of its product R&D, production technology and marketing models, thus making steady progress towards an innovative and internationalized pharmaceutical group.
|
economics
|
https://www.alpacamoments.com/our-brand/kuna/
| 2019-12-07T10:12:35 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540497022.38/warc/CC-MAIN-20191207082632-20191207110632-00527.warc.gz
| 0.926369 | 337 |
CC-MAIN-2019-51
|
webtext-fineweb__CC-MAIN-2019-51__0__120955966
|
en
|
KUNA is a Peruvian lifestyle brand that is inspired by the unique textile heritage of the inca culture. It becomes apparent on the wonderful colors, fabrics and the excellent quality of the natural fibers alpaca, vicuña and pima cotton. KUNA combines the skill and the traditional knowledge of the textile craftsmen of the Andes with modern technology and design. The Peruvian quality brand is part of the Inca Group, pioneer in the trade and export of alpaca products. The long experience in the selection of the precious fibers of new world camelids and the development of fine yarns help KUNA to keep control over the complete production process. Vertically integrated operations guarantee ethical business practices based on the wellbeing of man and nature throughout the whole value chain.
KUNA participates in several programs that benefit the local rural communities: Textile workshops, incentives that encourage the practice of raising alpacas, as well as the education of the local communities in the environment. For one of the projects the company donated alpaca yarn to the remote village of Llali, where we taught 117 mothers knitting techniques. This way, 750 school children received a new warm sweater while their mothers earned a salary and learned a handicraft that provides an additional source of income. Alpaca Moments is proud to bring this unique prêt-à-porter collection to Europe and Asia and we invite you to become part of the Kuna lifestyle: Feel the hands of the Andes!
Alpaca Moments guarantees knowledge, reliability, flexibility and superior quality. But above all, we take good care of our partners, their families and the local residents!
|
economics
|
https://strongstart.ca/thanks/a-different-kind-of-corporate-giving/
| 2024-04-19T13:13:07 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817398.21/warc/CC-MAIN-20240419110125-20240419140125-00528.warc.gz
| 0.948982 | 138 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__92041440
|
en
|
Recently, as part of a business arrangement between Student Transportation of Canada(school bus operators) and GROWMARK (supplier of biodiesel fuel), a decision was made to donate to a charity of STC’s choosing. Thank you Student Transportation of Canada for choosing Strong Start and thank you GROWMARK for your gift.
The employees of XCG Consultants Ltd. in Kitchener, as with many companies, regularly hold “dress down Fridays”, paying for the privilege of wearing casual clothing to work. The money collected is then donated to a charity chosen by the employees. Thank you Employees of XCG Consultants for your gift to Strong Start.
|
economics
|
https://palyulin.ru/en/services/liquidation/public-offering/
| 2023-10-02T03:39:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510967.73/warc/CC-MAIN-20231002033129-20231002063129-00566.warc.gz
| 0.922117 | 1,157 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__89344889
|
en
|
This offer is directed by Palyulin and Partners LLC to an unlimited number of individuals (hereinafter referred to as the Customer).
1. GENERAL REGULATIONS.
1.1 In accordance with Art. 437 of the Civil Code of the Russian Federation this document, addressed to individuals, hereinafter referred to as the “Customer”, is the official, public and irrevocable offering of Palyulin and Partners LLC, hereinafter referred to as the “Contractor”, to conclude the contract on the following terms.
1.2 Full and unconditional acceptance of this public offer is the Customer’s payment for the services offered by the Contractor in the manner specified in Section 5 of this proposal (Article 438 of the Civil Code of the Russian Federation).
1.3 Acceptance of the offer means that the Customer agrees with all the regulations of this proposal, and is tantamount to concluding an agreement on provision of services for registration activities.
2. SUBJECT OF THE AGREEMENT. TERMS OF RENDERING SERVICES
2.1. The Contractor undertakes to provide the Customer with the following services: the change of the executive body and the participant (s) in the organization (hereinafter — the Company), and the Customer undertakes to pay for the services rendered in the amount, order and terms provided for in this Agreement.
2.2. This agreement is valid for two months from the date of its signing by the parties.
2.3. In case of untimely submission of documents by the Customer or delay due to fault of registration authorities, this Agreement may be extended for a commensurate period.
3. RIGHTS AND OBLIGATIONS OF THE CONTRACTOR
3.1. The Contractor undertakes:
3.1.1. To change the executive body and the participant (s) in the Company by providing a proper report to the control bodies.
3.1.2. Provide services with proper quality.
3.1.3. Provide services in accordance with the terms of this Agreement.
3.1.4. Immediately upon the discovery of circumstances leading to the impossibility of the execution of this Agreement, to suspend the performance of the Agreement, to notify the Customer thereof and wait for 5 days from the date of sending the Customer a message. In the event that the instructions of the Customer are not received within the specified period, the Executor has the right to refuse to perform the Contract and demand compensation for the damages he received.
3.2. The Contractor has the right to involve third parties in the execution of this Agreement. The Contractor independently pays for the services of third parties in the event of their involvement in the execution of this Agreement, except for state duties, notary tariffs, postal expenses and other obligatory payments, if any.
3.3. The Contractor has the right to refuse to fulfill the obligations under this Agreement if the Customer hides significant information about the company or when the documentation is hidden.
4. RIGHTS AND OBLIGATIONS OF THE CUSTOMER
4.1. The Customer undertakes:
4.1.1. Send to the Contractor color scanned images of the certificates of state registration of the Company, the statement of the Company for tax accounting, the head of the Company and the members of the Company, as well as other internal documents of the Company required for the execution of this Contract at the request of the Contractor.
4.1.2. Pay the Contractor’s services in accordance with this Agreement.
4.1.3. During the term of this Agreement, do not enter into relations with third parties under the subject of this Treaty.
4.2. The Customer has the right to refuse to execute this Agreement by paying the Contractor the cost of the services rendered to him.
4.3. If there are shortcomings in the services rendered by the Contractor, the Customer shall indicate this in the certificate.
5. PRICE AND PAYMENT PROCEDURE FOR THE CONTRACTOR’S SERVICES
5.1. The price of the Contractor’s services under this Agreement is 70,000 (seventy thousand) rubles. 50% of the specified amount is paid by the Customer to the Contractor at the signing of this Agreement, the remaining 50% is paid by the Customer before submitting documents to the registering authority on the entry of a new participant into the Company.
6. RESPONSIBILITY OF THE PARTIES
6.1. For failure in performing or improper performance of the terms of this Agreement, the Parties shall be liable under the current legislation of the Russian Federation.
6. DISPUTE RESOLUTION ORDER, CHANGE AND TERMINATION OF THE CONTRACT
7.1. Disputes arising between the Parties in connection with the implementation of this Contract shall be resolved in the manner established by the current legislation of the Russian Federation.
7.2. This Agreement may be amended by agreement between the Parties, drawn up in writing and signed by both Parties.
7.3. This Agreement may be terminated by agreement of the Parties or on other grounds established by the current legislation of the Russian Federation and this Contract.
7.4. The Customer has the right to refuse to perform the contract at any stage.
7.5. The Contractor shall be entitled to refuse to perform the contract if the Customer violates clauses of 3.1.1 to 3.1.3. this Agreement or the occurrence of force majeure.
|
economics
|
https://template.rooftek.com/commercial-services/solar/
| 2023-09-23T21:36:39 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506528.3/warc/CC-MAIN-20230923194908-20230923224908-00778.warc.gz
| 0.934708 | 1,224 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__71155863
|
en
|
Company for Commercial Solar in Your Area
Make a smart investment in your property with commercial solar installations that let you harvest the benefits of renewable energy. RoofTek® is who other businesses in the area enlist for the project because we promise utmost attention to detail to bring you superior value. If you’re in your area, let us assess the work required and offer you a free quote.
Why Choose Commercial Solar Services From RoofTek®?
RoofTek® offers superior commercial solar services in your area, providing businesses with the ability to harvest the renewable energy of the sun and enhance their energy efficiency with commercial solar panels specifically designed for the demands of businesses. These panels are typically more powerful than those used on residences, enabling businesses to harness a greater amount of the sun's energy and significantly reduce their reliance on traditional power sources.
Your professionals at RoofTek® have the know-how to put commercial solar panels on facilities of all shapes and sizes. Unlike most commercial solar companies in the area, we strive to deliver unmatched speed of installation and service. We understand the value of minimizing interruptions to your commercial enterprise, which is why we work quickly to deliver a smooth and timely installation process.
Our commercial solar services adhere to an in-depth process to deliver maximum energy conversion and power for your business:
Activating The System
By picking us for your commercial solar needs, businesses in your area will benefit from our powerful and efficient solar products, experienced technicians, swift project completion, and ongoing support. We are dedicated to assisting businesses in reaching greater energy efficiency and contributing to a greener future.
Advantages of Commercial Solar Roofing
Solar roofing is the latest advancement in eco-friendly solutions for commercial properties, allowing companies to convert the sun’s power to generate enough electrical energy for their entire building. It’s no wonder so many have jumped on-board, as not only is it good for the environment, it also boosts your property value and lets you keep more of your hard-earned money that you’d otherwise spend on energy bills.
A few of the rewards you’ll get with commercial solar panels are:
- Exceptional return on your investment
- Increased jobs and economic growth
- Offers long-term savings
- Increased property value
- Lower carbon emissions
By tapping into this cutting-edge technology, you will be making an environmental impact through the use of clean, renewable energy. Following installation, there is little to no maintenance required, which means you won’t have additional costs and the system will pay for itself in the long run through a mix of tax breaks and reduced energy bills. Take advantage of the perks that solar power has to offer your commercial enterprise by reaching out to our staff today.
The RoofTek® Process
Our process is straightforward, which means our teams are efficient from the initial quote through the completed project. We value and respect our team, and together we value and respect you and appreciate the opportunity to work on your roof!
Contact your local RoofTek® and schedule an appointment with our team to assess your project. We will thoroughly review your property and created a quote for the required work.
Once we have provided our quote we work with you to come up with a suitable plan. We review your budget, options, and schedule to ensure that you are satisfied with the project.
THE COMPLETED PROJECT
Our teams get to work quickly and work efficiently so your project is completed on time, and on the agreed-upon price-point. We also clean up when the work is completed.
The Rewards of Solar Panel Installations with RoofTek®
Commercial solar panel installation services can deliver many rewards for businesses, but securing an knowledgeable team to do the task is critical for maximizing those benefits. Why should building owners contemplate going with RoofTek® for commercial solar panel installations?
- The team at RoofTek® has the expertise needed when it comes to commercial solar panel installations and we take into account every variable to guarantee they are performing ideally.
- We really value our customers and we’re always available to make sure you’re relaxed during the installation.
- RoofTek® acknowledges that communication is equally as vital to the quality of support we deliver and facilitates a better project completion overall.
Financing Available for Commercial Solar Panel Installations
A solar panel installation is a big project that involves a lot of work. Add this to the cost of the system itself, and the number can add up. However, we believe that it’s important to have the ability to get a commercial solar panel installation, and this is why RoofTek® offers financing.
In order to finance, there will be a down payment required. During the inspection process we will make some calculations to determine what this is.
When everything is factored into the project, we’ll have a solid number for the project.
Once the numbers have been determined, we can set you up on a financing plan for your commercial solar panel installation project.
WE SERVICE THE FOLLOWING CITIES AND THEIR SURROUNDING AREAS:
Find Your Local RoofTek®
We are a national company with a location near you. Whether you’re looking for a complimentary quote on our top-tier roofing services or would like permanent holiday lighting installed, reach out today and find your nearest RoofTek® team.
Call RoofTek® for Industry-Leading Commercial Solar Services
For commercial solar roofing, pick RoofTek® in your area and we will set up a time to evaluate your roof. Before we begin, we’ll talk about the work to be done and provide you with a free quote of the costs. Reach out to us to get started as soon as possible!
|
economics
|
http://www.divorceattorneycapetown.co.za/child-maintenance-the-duty-support-maintenance-claims-standard-of-living-of-the-parties-spousal-maintenance-variation-of-maintenance-types-of-maintenance-claiming-maintenance-tertiary-educatio/
| 2017-08-23T09:56:00 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-34/segments/1502886118195.43/warc/CC-MAIN-20170823094122-20170823114122-00351.warc.gz
| 0.946608 | 153 |
CC-MAIN-2017-34
|
webtext-fineweb__CC-MAIN-2017-34__0__82006891
|
en
|
Negotiating a maintenance settlement can be a difficult aspect of reaching a divorce agreement.
Under South African law children have the right to receive financial maintenance. Both parents, whether married or not, are required to provide financial support for a child.
Maintenance amounts must be negotiated and finalized according to the Maintenance Act 99 of 1998 and the Children’s Act 38 of 2005. Parents are obliged to pay for their children’s upbringing. Their respective payments depend on how much each earns.
The amount paid to the primary caregiver is based on the monthly earnings of each parent and the cost of the child’s education, care and upbringing.
Maintenance orders are orders of the court. Failure to meet their obligations is a criminal offence.
|
economics
|
http://alexandracourtguggenheimh28423.dbblog.net/10426714/financial-flexibility-is-it-just-a-dream-or-just-steps-away
| 2018-12-19T03:25:10 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376830479.82/warc/CC-MAIN-20181219025453-20181219051453-00578.warc.gz
| 0.969072 | 1,018 |
CC-MAIN-2018-51
|
webtext-fineweb__CC-MAIN-2018-51__0__218839011
|
en
|
Nearly all of us go to work everyday and do the exact same regimen over and over again. We work so difficult till we caught up in the regimens for years. With the income that we make every day, we try to pay all of our bills. We constantly anticipate to get a higher income, getting promo or our company running better so we can make more money. We do not recognize that when we get more income, we likewise have spent more loan on our requirements. After we work for 2, 5, or perhaps 10 years we just realize that we have remained in the rat race of our monetary troubles.
So, to be financially free is only a dream for us, we do not think that is possible. We already set our mind set that we will retire after 40 years of working and then we begin to enjoy our life after that. I do not wish to do that.
What if you can get the monetary freedom much faster than 40 years? What if I can show you how to get to financial freedom in 5 years? Wouldn't it be interesting for you?
There are couples actions to accomplish monetary freedom.
You have to get the ideal mind set. Your mind set is what you are. You have heard old saying "You Are What You Think You Are". This holds true, when you believe that you will always be bad then you will constantly be poor. When you think that you are a loser then you constantly will be a loser. When you believe that you are brief, then you constantly will be short. You see what I mean? Unless you desire to change your mind set to the favorable method, there is no other way that you can get your dream, which is Financially Complimentary. You need to believe in yourself and believe that is possible for you to accomplish financial freedom. From that kind of frame of mind, you will get various power in yourself and mindsets that will guide you up until you attain your objective.
Second, if you do have the ideal mind set, you have to change the bad routine that you have. If you don't have the money, do not invest it! Our society nowadays, has a brand name new practice that does not exist centuries earlier. We can invest our money before we earn it! That's right; I am talking about charge card. If possible, cut all the charge card that are not in utilized. We will be trap in this financial mouse trap easily with all the charge card lying around on our tables. We have to be discipline by just keep one or two credit card that we use typically only for emergency situation.
If you use your charge card, please do it in your existing budget plan, not your future spending plan. A great deal of individuals are caught due to the fact that they use their credit card based upon their 'future' spending plan.
For example, Bob just got promoted this week, and his income will be raised next month. He was so delighted about it, and after that he invests his future wage with his charge card. This is the error that we often do. In short, don't spend it up until you have it in your 'pocket'.
Third, don't put your deposit for too long. We often forget that if we put our deposit, the worth of the money will be decrease so quickly. The rates of interest that the bank provides is far less than the inflations rate each year. We always need to be clever about our money. The bank does not appreciate our loan; in reality, they made the most benefit from our cash.
We need to discover the ideal financial investment. I suggest you to go to your financial consultant request their best opinions. They will seek your requirements, and they can provide you the financial investments that appropriate to your needs.
Fourth, if we actually want to be economically totally free, we have to make a passive income. In brief you can produce a system that can works for you. The most crucial from this is that you have to set up a system that works without you.
Another method to get a passive income is that you can franchise. read the full info here Franchising nowadays has increasing enormously in the past couple of years. This industry offers the owner to adapt a system that are already being established and proven. If you don't wish to build your own system, you can buy a franchise and run it.
Lastly, you can constantly join internet marketing. Network marketing is very affordable for individuals that do not have big capital. Opening your own business or franchising a business might cost you a fortune, however internet marketing generally cost very little to begin. You can always discover a good network marketing business and stick with the business for 5 years. There you can learn how to constructed your network and attain Financial Liberty.
You can begin your own journey to your financial flexibility by start it with a little step. Hopefully this entire short article aid you understand that everyone need financial freedom, prior to you captured up into the regimens for years.
|
economics
|
https://mmkt.bitoptoption.com/en/news/stories
| 2023-12-09T09:02:22 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100873.6/warc/CC-MAIN-20231209071722-20231209101722-00777.warc.gz
| 0.937413 | 427 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__82522785
|
en
|
[Bitop Market Review] Crude Oil Strategy Analysis
When will oil prices rebound? Analysis of today's crude oil market!
On Friday (December 8th) during the European session, the recent oil market continues to draw attention with trading prices hovering around $70.60 per barrel. According to data released by the U.S. Energy Information Administration on Wednesday, gasoline inventories increased by 5.4 million barrels last week, reaching 223.6 million barrels, significantly surpassing the expected 1 million barrels. This unexpected increase might have exerted pressure on crude oil prices.
Chinese customs data revealed a 9% year-on-year decline in crude oil imports for November, attributed to high inventory levels, weak economic indicators, and slowed orders from independent refineries, weakening demand. On Thursday this week, the world's two largest oil-exporting nations, Saudi Arabia and Russia, urged OPEC+ member countries to collectively cut production. Meanwhile, the United States, being the largest oil-producing nation, continues to maintain high production levels. These developments are anticipated to have pressured the crude oil market. Investors need to pay attention to recent economic data releases in the U.S. and international market information.
Yesterday, crude oil prices traded at lower levels with increased volume, marking the fifth consecutive day of declines, displaying a weak downward trend. Following a period of consolidation, the unidirectional downward trend appears poised to accumulate potential downside momentum.
Considering the overall analysis, it's suggested that today's crude oil trading strategy primarily focuses on long positions after pullbacks, with shorting on high rebounds as a secondary strategy. Regarding resistance levels, attention is on the $72.0-73.0 range, while support levels are monitored around $69.0-68.0 in the short term.
Disclaimer: The article is contributed by the market analyst from Bitop market observation team. The content is solely for personal opinions and sharing. The analysis is time-sensitive and provided for reference and discussion only. It does not constitute any investment advice. The market is risky, so investing should be done cautiously.
|
economics
|
https://familyfinancemom.teachable.com/p/what-happens-in-a-recession
| 2024-04-18T08:42:12 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817200.22/warc/CC-MAIN-20240418061950-20240418091950-00075.warc.gz
| 0.952057 | 1,006 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__182524711
|
en
|
Learn to Understand the Economy
(even if you've never paid any attention before!)
If you've always wanted to better understand all the financial news headlines, but were hesitant because you aren't really sure what so many of the terms mean...
Or you want to know how proposed economic policies could actually impact your family, but get frustrated with he said/she said debate of politicians over all of it...
If you've ever wondered, "Is this a good time to... change jobs? ... invest more? ... increase my savings? ... buy a house? ... take more or less risk?
LIVE Economic Workshops Build Knowledge...
and Knowledge Builds Confidence!
Family Finance Mom Workshops are designed to build your economic and financial knowledge to empower you with the confidence to take charge of your family's finances and investments. Instead of wondering what the best financial decisions are for your family in the current economic environment, you will be empowered with the knowledge and understanding of how the economy works, and where we are in the current economic cycle. Never again will you be forced to rely on politically motivated assessments of economic policy - you'll be informed as to how the free market economy actually works, and how proposals actually ripple through it to evaluate them for yourself.
Each one hour session includes prepared remarks, full of data, history, resources, and ends with Q&A from all of you. Download the presentation prior to our workshop to take notes, and jot down your questions.
Can't join LIVE? Don't worry. Leave your questions in the course comments, and everyone will get access to the replay of the workshop, including the Q&A session. Replay video will be posted here as soon as video is captioned.
What is a Recession? Topics
- The 5 Phases of the Economic Cycle
- What causes a recession?
- How long do recessions last?
What happens in a recession to...
- Stock market
- Housing market
- Consumer confidence
- How do we recover from recessions
6 Major Recessions of the last 100 years
- 2020 Covid Pandemic
- 2008 Great Recession
- 2001 DotCom Bubble
- 1970s Stagflation & 1980s Double Dip Recession
- 1929 Great Depression
- 1918 Spanish Flu / Post WWI Recession
Meet Meghan | Family Finance Mom
Hi y'all! My name is Meghan Rabuse...
I spent my whole childhood watching the adults in my life work incredibly hard - but constantly struggle with money.
It wasn't until my passion for math led me to a degree in Finance and Economics, followed by a career I loved as a financial analyst, that I learned it doesn't have to be that way.
When I left my career to be a SAHM to three kids of my own, I quickly recognized how many families still lived just like mine did growing up... and that I could use my passion, education, and experience to help.
We used it to get out of $60,000 in student loans EACH, and pay off our mortgage to become completely debt free! Then, I used all I learned as a hedge fund analyst investing for the wealthy and endowments to build our family's portfolio and set us up for financial freedom.
Now, I share it all with you: all I've learned over my education and career in Finance AND as a mom of 3 kids in a now totally debt-free household with a solid investment portfolio... and show you how with financial knowledge comes confidence and the ability to make better, more informed decisions for you, your family and your financial future.
... and the best part?
You can check it out for FREE if you choose...
Frequently Asked Questions
Financial Literacy Should be Accessible for ALL..
At Family Finance Mom, I believe that EVERYONE should have access to economic and financial literacy. And what is more and more evident to me every day is those who need it most, often have the least access to it.
That's why these workshops are priced to be affordable to all. The suggested price is just $12. A low, one-time expense that will build knowledge that pays dividends in your investment portfolio forever.
Limited Scholarships for FREE
But if that's not in the budget for your family right now, and you want to learn, join for FREE. A limited number of Family Finance Mom scholarships are provided by me for each workshop. Use code FFMSCHOLARSHIP at checkout to enroll for FREE.
BUY ONE, GIVE ONE for $24
If you can afford to, you can choose to BUY ONE, GIVE ONE: pay $24 to cover admission for yourself and to sponsor additional Family Finance Mom scholarships.
Together, we can make financial education possible... and accessible... for ALL!
|
economics
|
https://fondazionepatriziopaoletti.org/donate-now/?lang=en
| 2023-10-02T01:25:30 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510942.97/warc/CC-MAIN-20231002001302-20231002031302-00172.warc.gz
| 0.91607 | 959 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__259402693
|
en
|
Help the foundation to ensure that an increasing number of people around the world become able to put the best part of themselves into play.
Deciding to support the Patrizio Paoletti Foundation’s activity with a free and ongoing donation enables the effective planning of the following actions:
Deciding to support the Patrizio Paoletti Foundation’s activity with a one-time donation grants immediate assistance to the projects’ beneficiaries who need your help today.
You can deduct this donation entirely from your taxable income. The Patrizio Paoletti Foundation in fact, having the implementation of scientific research as its statutory purpose, has been included among the recipients of the provisions of Article 14, paragraph 1, of DL 35/2005. Consult the updated lists of the official gazette* here, the Paoletti Foundation is in line 157.
Do you want to know how to fill in your donation amount in your income tax return?
WHERE TO FILL IN THE DONATION AMOUNT IN THE TAX DECLARATION
730/2020: in "Box E", line E26. Then indicate code 8 in square 1.
UnicoPF/2020: in section "Box RP fees and expenses" in line RP26 "Other fees and expenses" at code 8 “Free donations to non-profit associations.....recognized foundations”
ART. 14, COMMA 1, DL 35/2005
Donations in cash or in kind made by individuals or bodies subject to corporate income tax in favor of non-profit organizations of social utility pursuant to article 10, paragraphs 1, 8 and 9, of Legislative Decree no. 460 from 4 December 1997, as well as those made in favor of associations for social promotion registered in the national register pursuant to article 7, paragraphs 1 and 2, of Law no. 383 from 7 December 2000, are deductible from the total income of the donor within the limit of ten percent of the total declared income, and in any case to a maximum of 70,000 euro per year.
Dario, Giorgia, Chiara, Michela, Luca will be able to help you clarify any doubts.
Tel. 06 8082599
from Monday to Friday 9:00-18:00 [email protected]
Unicredit Roma Orlando
For foreign bank transfers
SWIFT CODE: UNCRITM1704
Postal money order:
Bank account n. 36689404
Made out to Fondazione Patrizio Paoletti per
lo Sviluppo e la Comunicazione
Via Nazionale 230, 00184 Roma
You only need a signature and a code on your income tax return. In the square designated 5X1000 insert the foundation’s tax number
“For many years I’ve been following the foundation with great interest. It is an avantgarde social driving force and their solidarity initiatives and scientific activities represent a new paradigm shift and a new human awareness. Thank you for the great example that you give to the world.”
“The Patrizio Paoletti Foundation has wonderful initiatives and innovative research lines. Research and popularization go hand in hand, creating a unique approach to knowledge and change.”
“For people who are searching for ways for a world worth realizing: these ways exist and they are called love, conscience, research, development, sustainability, neuroscience, discovery of the central value of human beings and their choices in regards to a new and continuous possibility.”
The foundation’s projects are supported by intense research activity. Choose to support the work of the team of neuroscientists and pedagogists who work hard every day to understand how human beings learn and how they can improve, to perfect the educational and didactic tools that are offered to the projects’ beneficiaries.
With its educational and social projects the foundation reaches thousands of children and adults all over the world every year. Your regular donation can help to do even more to guarantee the right of education, also in the most difficult places of the planet, and to realize innovative training programs for Life Skills development of teachers, parents and social workers.
The objective of the actions implemented by the foundation is to generate change in a world of continuous evolution. Wellbeing and peace can only be reached if social relationships are improved and if each person can access the right educational tools to learn to do and to learn to live with respect towards others and the environment.
|
economics
|
https://www.wpeka.com/tips-creating-business-directory-wordpress.html
| 2022-05-25T10:01:45 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662584398.89/warc/CC-MAIN-20220525085552-20220525115552-00141.warc.gz
| 0.930357 | 923 |
CC-MAIN-2022-21
|
webtext-fineweb__CC-MAIN-2022-21__0__124950654
|
en
|
Business directories are so popular because they provide value to a wide range of users. Let’s take a quick look at how they benefit their three main stakeholders.
- Directories allow visitors to make an informed decision by making all options available in one convenient location — if someone wants to eat out, they can find all the restaurants in their town, their locations, prices, and overall ratings.
- Directories can drive more customers for the listed businesses.
- Directories have the potential to be very lucrative assets if they drive enough traffic, which is great news for the directory owner — that’s you!
Today, I’ll be providing quick tips for setting up a business directory in WordPress, but first, let’s look at four ways you can make money from one.
1. Paid Listings
Many directories charge businesses for the privilege of being featured in the directory – either one-off fees or recurring, monthly rates.
The more traffic your directory receives, the more interest you’ll get, and the more you can justify charging.
However, personally I think there are better ways to monetize a directory. Consider this: A directory is most valuable as an all-encompassing resource for one very specific need — like listing Italian restaurants in a town. The moment you start excluding businesses who won’t pay to be listed, you’re providing less value to your visitors. In the long-run, this could restrict your directory’s potential.
2. Featured Listings
The top listings in your directory will be seen the most, and, in theory, will receive the most clicks.
Most businesses will pay for the benefits that come with being featured prominently in your directory. Allocate the space at the top of your directory for featured listings, and charge a monthly fee.
3. Referral Fees
Business directories are well positioned to charge referral fees/commissions for any business they drive.
A business owner may not have the cash to pay for a spot in a directory. Put some extra cash in his wallet, though, and most will be willing to give you a cut.
Many directories will charge referral fees for the business they drive, or a fixed fee for each click generated.
4. Sell Leads
One of internet marketing’s most timeless of mantras: “the money is in the list.”
Now, in my opinion, every website should be building an email list from day one. When it comes to business directories, things are a little bit different, though.
After all, it’s difficult for you to monetize your list directly — but the businesses listed in your directory can! Essentially, every subscriber is a qualified lead that many businesses will be interested in buying.
How to Build a Business Directory in WordPress
For WordPress users looking to build a directory, you have two solutions: theme or plugin.
A directory theme will use a dedicated design suitable for a directory website, plus all the directory functionality is built-in. On the other hand, using a plugin allows you to choose any theme you want, and you can simply bolt on the directory functionality you need.
Personally, I’d go the plugin route, simple because it gives you more design options — if you use a directory theme, there are a limited number of designs to choose from.
Whichever option you choose, WPEka club members have two great solutions: WP Directory Theme and WP LocalPlus.
WP Directory Theme is a fully loaded WordPress directory theme with which you can add business listings, pin geo locations and also earn money through ads.
WP LocalPlus is a fully automated business directory plugin for WordPress. You can add reviews, business listings, coupon offers, maps and much more with this plugin.
One of the best things about creating a business directory in WordPress is that you can decide what level of competition you’re willing to take on.
The wider your directory’s reach, the more competition you’ll face. You could go hyper-targeted, focusing on one specific industry in one small town. Or, you could aim bigger and open your directory up to a variety of industries, focusing on a wider geographical area.
This makes them a great way for people of all skill levels to make money.
Do you run your own directory? Share your tips in the comments section below!
Featured image courtesy of Sohel Parvez Haque.
|
economics
|
http://www.vuesoftware.com/press-releases/vue-software-successfully-implements-phase-1-for-aviva-financial-advisers-in-60-days/
| 2020-04-01T08:28:43 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370505550.17/warc/CC-MAIN-20200401065031-20200401095031-00433.warc.gz
| 0.946941 | 506 |
CC-MAIN-2020-16
|
webtext-fineweb__CC-MAIN-2020-16__0__168581129
|
en
|
VUE Successfully Implements Phase 1 for Aviva Financial Advisers in 60 days
Coconut Creek, Florida, 10/27/2016 — VUE announced that they have completed the first implementation phase at Aviva Financial Advisers Pte Ltd., a licensed financial advisory firm wholly owned by Aviva Limited, a leading insurer in Singapore.
Santosh Gon, Head of Transformation at Aviva Singapore, who is leading the project, said, “We are very pleased with the effort and commitment of the VUE Software team and the delivery timeframe they have achieved. VUE’s modules will enable Aviva Financial Advisers to automate payments for advisers, increasing the firm’s efficiency and accuracy.”
Abhinav Dave, Executive Vice President of VUE Software commented, “Aviva is a great partner to work with and we really enjoyed working with their team on this project. Both companies were able to work together and successfully implement a compensation management solution in 60 days, which is the fastest producer-compensation project in VUE’s history. We look foward to implementing the other modules in the near future.”
About Aviva Financial Advisers
Aviva Financial Advisers is a licensed financial advisory firm in Singapore, wholly owned by Aviva Limited, a leading insurer in Singapore. Our experienced team of professional financial consultants is qualified, and licensed by the Monetary Authority of Singapore (MAS), to provide a wide range of financial advisory services. We work with various insurance and investment providers so that we can provide our customers access to a comprehensive range of solutions for their financial planning needs. At Aviva Financial Advisers, we are committed to conducting our business in an ethical and knowledgeable manner, with an understanding that being professional ensures our continuous success.
About VUE Software®
VUE Software is a single scalable platform built from the ground up for Insurers, MGAs, FMOs, IMOs, and Insurance Distributors who have outgrown their current tools and require greater automation for producer administration and sales processes. Founded by Computer Solutions & Software International (CSSI) over two decades ago and recently acquired by Vertafore, VUE offers configurable solutions to meet the unique needs of the Life and Annuity, Health, and Property and Casualty markets. The company leads the Distribution-Modernization movement and provides insurance organizations a solid path to revenue growth and competitive advantage, supporting multiple product types, distribution channels, and hierarchy types.
|
economics
|
http://www.gostaff.com.au/Virtual-Staffing-Solutions-for-Australian-Businesses/I3.htm
| 2020-06-06T00:33:25 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590348509264.96/warc/CC-MAIN-20200606000537-20200606030537-00215.warc.gz
| 0.974348 | 214 |
CC-MAIN-2020-24
|
webtext-fineweb__CC-MAIN-2020-24__0__27162694
|
en
|
We are an Australian company who aims to help small and medium sized businesses and even professionals in Australia in providing them with reliable virtual assistants from the Philippines, to help ease their daily workload. We realised that there are some businesses just don't have enough time or the budget to employ office based staff or have enough office space for their staff.
So we asked ourselves:
Q. How can we help these businesses?
A. GO STAFF is the answer!
The Philippines is already being used by many large international companies for their call centers, back office, technical support etc. all handled by Filipinos. Aside from these large corporations saving a lot of money, they believe in the skills of the Filipino people.
English language is the primary means of communication in the Philippines. So expect a virtual assistant that is proficient in both oral and written English. Filipinos are highly-skilled, hard-working and dedicated as they value their work and income so much. As a result, they always strive to do their best and always work with great quality and standards.
|
economics
|
https://excelhypnosis.com/quit-smoking
| 2019-08-23T00:12:32 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027317688.48/warc/CC-MAIN-20190822235908-20190823021908-00022.warc.gz
| 0.949884 | 201 |
CC-MAIN-2019-35
|
webtext-fineweb__CC-MAIN-2019-35__0__194286932
|
en
|
Stop Smoking NOW
Literally, pay out of that old cigarette money then put $3,395 up to $8000 back in your pocket every year for the rest of your long and healthy life! (based on the average cost of a pack of cigarettes in Seattle, WA)
Our process is the most effective ever developed and has triple the success rate of expensive patches pills & gums. The difference? We combine the most advanced hypnosis techniques with a new groundbreaking neurological process to address the problem in the mind, where the habits and cravings are stored, to eliminate them completely once and for all.
Our process is completely natural with no drugs, no cravings, and no withdrawal.
Our process includes a lifetime guarantee, which means if you ever smoke or have a craving to smoke, just call or schedule online, and we will treat you again for free. How can we afford to give away free sessions for life?? Less than 5% of our clients ever require a second session.
|
economics
|
https://thefrankagency.com/marketing-glossary/b2b-business-to-business/
| 2024-04-22T03:32:31 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818072.58/warc/CC-MAIN-20240422020223-20240422050223-00719.warc.gz
| 0.917113 | 598 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__97504346
|
en
|
B2B, or business-to-business, refers to commercial transactions and interactions between two companies rather than between a company and individual consumers. It encompasses the exchange of products, services, or information tailored to fulfill the needs of other businesses. B2B transactions are fundamental for enabling companies to effectively operate, grow, and thrive within their respective industries.
The Significance of B2B Transactions:
- Collaborative Partnerships: B2B transactions foster strategic collaborations and partnerships between businesses. They establish mutually beneficial relationships that enable companies to access specialized resources, expand their market reach, and drive innovation through shared expertise.
- Supply Chain Efficiency: B2B transactions enhance supply chain efficiency by facilitating seamless exchanges of goods and services among various organizations. This streamlines operations, reduces costs, and ensures timely delivery, ultimately benefitting both buyers and sellers.
- Tailored Solutions: B2B transactions allow businesses to provide customized solutions that address the unique needs and challenges of other companies. Through tailored products, services, and support, B2B interactions contribute to enhancing operational effectiveness and driving customer satisfaction.
- Accelerated Growth Opportunities: Collaborative commerce in the B2B space opens doors to new growth opportunities. By working with diverse networks of partners, businesses can gain access to untapped markets, generate new revenue streams, and expand their customer base more rapidly.
Leveraging B2B Strategies:
To make the most of B2B transactions and thrive in the interconnected business landscape, consider the following strategies:
- Understanding Customer Needs: Gain a deep understanding of your target B2B customers’ pain points, goals, and expectations. Tailor your offerings to meet their specific requirements, positioning your business as a valuable partner.
- Building Trust and Relationships: Establish trust and cultivate strong relationships with your B2B partners. Transparent communication, consistent delivery of quality products and services, and reliable support are essential in building long-term collaboration.
- Adopting Technology Solutions: Embrace technology platforms and software solutions that streamline B2B transactions, such as e-commerce portals, CRM systems, and supply chain management tools. These enable efficient communication, order processing, and data sharing among stakeholders.
- Emphasizing Value Propositions: Clearly communicate the unique value your business brings to B2B partnerships. Highlight the benefits, cost savings, and competitive advantages you offer, showcasing why other companies should choose to collaborate with you.
Increase Growth Through B2B Collaboration:
B2B transactions play a crucial role in fueling growth and prosperity across various industries. By harnessing the power of collaborative commerce, businesses can create strategic partnerships, optimize operations, and generate new avenues for expansion. Embrace the opportunities that B2B transactions present and position your company for success in today’s interconnected business world.
|
economics
|
https://blog.vaulthealth.com/time-to-hire/
| 2023-02-05T14:13:49 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500255.78/warc/CC-MAIN-20230205130241-20230205160241-00719.warc.gz
| 0.94006 | 824 |
CC-MAIN-2023-06
|
webtext-fineweb__CC-MAIN-2023-06__0__256527208
|
en
|
That’s the average amount of time that the best candidates are on the job market before being hired. That means businesses need to be agile in their recruiting process to get top-tier talent. The ones who successfully shorten their time to hire will have the advantage in today’s candidate-driven market.
What is time to hire?
Time to hire is an efficiency metric that measures how long it takes a prospective candidate to accept a job offer and complete all pre-employment screening after initially applying for a job. Note that this is slightly different from “time to fill”, which refers to the total amount of time it takes to fill an open position after a hiring manager submits a job opening for approval.
“Time to hire is really about how quickly a business can identify the right candidate, take action on hiring the person once identified, and be prepared for any obstacles that may delay the hiring process,” said Brandon Bulcroft, expert on background screenings and Director of Channel Partnerships for Vault Health: Workforce Screening.
Bulcroft says time to hire often involves back and forth between the hiring manager, assessments, and interviews with other team members. Depending on what the open position is for, and the industry, additional occupational health tests may be required, such as:
Why Time to Hire Matters for Talent Recruitment
The very best candidates are in high demand and are likely to receive multiple offers. Bulcroft says this means a hiring team has to be prepared to move fast with all of the necessary documentation in order, or else they risk losing high quality candidates – especially if prospective candidates are required to undergo various screenings and tests.
“It’s really not that different to when you’re buying a house in an extremely tight real estate market. You want to have everything ready to go when you put in your offer, otherwise you may lose out simply because someone else can move faster,” said Bulcroft.
“Your company’s time to hire can directly impact whether a candidate accepts your job offer or someone else’s.”
The time to hire metric is also an indicator of candidate experience. Most job seekers don’t want to spend months going through an interview and screening process. A better candidate experience gives companies an edge in recruiting top talent, not to mention retention over time.
How to Improve Time to Hire
Recruiting faster doesn’t mean a company needs to forego hiring standards, but it does mean companies should re-evaluate their process.
Bulcroft says the reality is that recruitment is no different than marketing, and companies need to start thinking about it as the way their brand is established in the employment marketplace.
“Hiring managers are tasked with attracting candidates, much in the same way that companies work to understand what customers want and then market products to them to drive action and revenue.
“Beyond the obvious incentives like higher salaries and better benefits, attracting candidates means improving the candidate experience from the start. Businesses that invest in shortening their time to hire are better positioned to recruit and retain the best candidates.”
There are a number of tools a company can use to shorten its time to hire, including:
- Streamlined Applicant Tracking System (ATS) and Background/Drug Screening for Candidates
- Remote I-9 verification (Section 1 & 2)
- Fluid onboarding process
- Rapid turn-around background check
- Convenient and accessible pre-employment screenings
- Result delay elimination through active retrieval processes
In today’s job market where candidates—not companies—have the upper hand, speed and transparency are key. The faster a company can secure a candidate and provide them with an expected timeline, the better.
DISCLAIMER: This article is for general information purposes only, does not constitute medical advice and is not intended to be relied upon for medical diagnosis or treatment. If you are experiencing a medical emergency, dial 911 immediately.
|
economics
|
https://www.hokulaniestatecoffee.com/Where-s-Ka-u--.html
| 2019-02-15T18:34:36 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247479101.30/warc/CC-MAIN-20190215183319-20190215205319-00063.warc.gz
| 0.949049 | 167 |
CC-MAIN-2019-09
|
webtext-fineweb__CC-MAIN-2019-09__0__150716117
|
en
|
The District of Ka'u located on the Big Island of Hawaii is the Southern most point in the United States. The District covers over 922 square miles of sacred land including 80 miles of rough coastline on the South Eastern shore of the island. Famous for Hawaii Volcanoes National Park, Punalu'u Black Sand Beach, and Papkolea Green Sand Beach. East of Ka'u is the Puna District and to the West is South Kona District. Coffee was cultivated in Ka'u in the late 1800s. However, competition for both land and labor from the sugar cane industry led to the demise of most coffee production in Ka'u. Sugar cane was a large crop until 1996. Coffee is a relatively new emerging industry in the Ka'u district producing world class, award winning gourmet coffee.
|
economics
|
http://casadellava.com/terms.php
| 2017-03-29T10:58:45 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218190295.4/warc/CC-MAIN-20170322212950-00574-ip-10-233-31-227.ec2.internal.warc.gz
| 0.94168 | 2,380 |
CC-MAIN-2017-13
|
webtext-fineweb__CC-MAIN-2017-13__0__300770156
|
en
|
Holiday Letting Agreement
The following words shall have the following meanings throughout this agreement:
The Property: Casa dell'Ava, Pianazzola 167. 23022 Chiavenna (SO), Italy
The Lessor: Richard and Lucy Pash, Mill Farm, Marten, Marlborough, Wiltshire. SN8 3SJ.
The Hirer: The name of the individual making the booking (lead client)
The Term or the Holiday Period: The term agreed in the booking, starting on the first day of the rental period and ending on the last day (inclusive)
The Rent: The rent agreed in the booking
The Booking: A request by the hirer to book the Property made to the Lessor by email, telephone, mail or at www.casadellava.com confirmed by the Lessor.
This RENTAL AGREEMENT comprises the particulars detailed above and the terms and conditions listed below and the booking whereby the property is let by the Lessor and taken by the hirer for the term at the rent.
Terms and conditions
The Lessor grants a licence to the hirer for the term. It is not intended to create the relationship of landlord and tenant between the parties. The licence is personal to the hirer. The property must not be used except for the purpose of a holiday by the hirer and his/her party during the term.
The Lessor permits the hirer to occupy the property for the term for the rent in Clause 2 (Prices) together with use of furnishings, kitchen equipment, crockery, glasses and bedding. The hirer must pay the rent in clause 2.
The contract between the hirer and the Lessor exists from the point at which the Lessor has received the required deposit in cleared funds and a confirmation of the booking has been issued to the hirer by the Lessor.
The rent is given in UK pounds sterling [inclusive of VAT] on the website www.casadellava.com. The price includes what the Lessor regards as reasonable use of heating, electricity and water. For heating this is 4 sacks of heating pellets per week of occupancy of the property. The price does not include transport to the property in Italy, any drinks or meals, or bath towels. Additional sacks of heating pellets cost 5 Euro each.
Payments must be made to the Lessor by cheque or electronic funds transfer or, for non-UK clients, by UK Sterling banker's draft or electronic funds transfer.
A deposit must be paid at the time of booking of 25% of the total rent for the holiday period. However, if a booking is made within 8 weeks of the start of the holiday period, the total rent must be paid at the time of booking. The full balance of the rent is payable not later than 8 weeks before the start of the holiday period and if not received by the Lessor in cleared funds the Lessor reserves the right to cancel the booking, in which case the deposit will be forfeited by the hirer.
- Hirer's Responsibilities
The hirer takes responsibility for ensuring that all members of their party are aware of and comply with this agreement. The hirer shall be responsible for any breach of this agreement by a member of their party.
The hirer is responsible for keeping and leaving the property and its fixtures and fittings in good order and in good condition. The hirer undertakes to pay for any damage and/or any losses incurred during occupation and any extra cleaning costs incurred. The decision as to whether any such damage or loss requires cleaning, repair or replacement shall be the Lessor's decision in their reasonable opinion. The Lessor shall inform the hirer of the relevant cost which the hirer shall reimburse immediately.
The hirer and members of his/her party are expected to behave responsibly, safely and respectfully. Any behaviour in the Lessor's opinion likely to cause distress, damage, injury or annoyance, will be in material breach of this contract. The Lessor reserves the right in their absolute discretion and without notice to terminate the holiday period and this licence if any hirer and his/her party behave in such a manner. In such circumstances, the Lessor will be under no obligation whatsoever to provide a refund of the rent or cleaning charge or any compensation.
If the hirer or a member of his/her party loses a key the Lessor will replace it and the hirer shall be responsible for paying the cost of having a replacement cut.
The hirer and all members of his/her party must:
- allow the Lessor or their agent to enter the property to inspect the state of it on prior appointment save in emergency when immediate access must be granted
- comply with the regulations notified to the hirer from time to time before or during the holiday period
- not do anything or permit anything to be done that would or may result in the insurance of the property becoming void or voidable or the premium on it being increased
- Group size and age
The number of persons occupying the property should not exceed six unless by prior arrangement (there is a sofa-bed in the sitting room that can accommodate an additional two people if needed). The hirer must be over the age of 18.
- Children and Babies
Babies and children are welcome. A cot, toys and childrens' dining chair are available and should be requested at the time of booking. These must be inspected for suitability for the child/baby by the hirer and used in accordance with the instructions.
Pets can be accommodated provided that the hirer agrees this beforehand with the Lessor and that the hirer takes full responsibility for the animals' cleanliness and behaviour. Under no circumstances are animals allowed to climb or sit on the furniture.
Should the hirer fail to keep the animal controlled and allow them to cause nuisance, the Lessor reserves the right to require the hirer immediately to remove the animal from the property and, at the hirer's cost, to repair or clean any damage caused or replace damaged property. The terms of clause [6.2 - repairing/replacing] shall apply.
All pet beds, bowls etc should be brought with the hirer. None are provided.
The Lessor is satisfied that the property from which its service is provided is suited to the purpose for which it is advertised and that the property will be clean and tidy on arrival of the hirer. The hirer's dislike of the property and its fixtures and fittings on grounds of size or taste cannot be accepted as grounds for compensation.
The balconies at the property are used at the risk of the hirer and his/her party. Any children or babies using the balcony must be supervised by an adult at all times.
- Arrivals and Departures
On the first day of the holiday period, the property cannot be accessed before 4pm. To ensure adequate time for preparation of rooms for arriving guests, the hirer and his/her party are asked to leave by 10am on the day of their departure. The Lessor reserves the right to charge a proportion of a further day's rent if the hirer and his/her party have not departed by 10am. Keys must be returned to the Lessor or their agent on departure.
- Lost Property
The Lessor will endeavour to return any item of lost property found in the property.
Small unclaimed items will be returned to the hirer. The Lessor reserves the right to charge the hirer for postage or transportation costs. A discretionary administration charge may also be made to cover the cost of arranging return.
Large, valuable or delicate items requiring high postage or transportation costs will be retained by the Lessor and the hirer will be informed of their discovery. Should the hirer fail to make adequate arrangements for their return, such items shall become the property of the Lessor 45 days after the hirer is informed and will be disposed of as deemed appropriate.
The Lessor is not responsible for items that are not found or are returned in a damaged state.
- Published Information
All information given by the Lessor as to accommodation, prices and services has been given in good faith. The hirer should however be aware that changes outside the Lessor's control might occur between publication of this information and the start of the holiday period. Information that is inadvertently incorrect cannot be accepted as grounds for compensation.
- Alterations to holidays
Wherever possible, the Lessor will attempt to accommodate the hirer's request for alterations to bookings, but these will only be accommodated subject to availability. Such requests can only be made by the hirer.
It is unlikely that the owner will have to make changes to the hirer's booking. Such changes are likely to be minor and the hirer will be advised of such changes at the earliest possible occasion. Should a major change occur, the following alternatives will be offered:
- Accepting the change offered
- Taking an alternative booking date with the Lessor
- Full refund of the rent and deposit
The hirer is the only person authorised to make a cancellation on behalf of a party. Cancellation more than 8 weeks before the commencement of the holiday will result in loss of the deposit which will be retained by the Lessor. After this period (after payment of the balance of the rent) the full amount will be lost and retained by the Lessor. (Make sure that you are insured - see below). If the Lessor is able to resell the term in question, the hirer may be entitled to a part refund, taking account of the price for which it is resold and administration costs.
It is the responsibility of the hirer to ensure that every member of the holiday party is covered by adequate holiday insurance. At the time of payment of the balance of the rent, the hirer will be required to confirm that this has been arranged.
- Force Majeure
For the purposes of cancellation or alteration of a rental booking provided by the Lessor, "force majeure" is any event outside the Lessor's control including (but not limited to) war, political unrest, extreme weather, acts of God, epidemics, riots, civil strife, strikes, industrial disputes, terrorist activity, natural/technical disasters and closure of ports/airports.
Complaints concerning any aspect of this contract will be treated with the utmost seriousness and the Lessor will attempt to resolve the matter quickly. Any complaint must initially be made immediately, during the course of the holiday period by telephone in order to give the Lessor a chance to resolve the matter. The Lessor will attempt to take action to remedy your situation as soon as practicable.
- Disputes and Governing Law
This contract exists under the terms of English Law and both parties shall submit to the non-exclusive jurisdiction of the English Courts. In the unlikely result that any dispute arising out of a holiday cannot be amicably resolved, the Lessor reserves the right to refer the dispute to mediation or arbitration prior to further legal action.
Any notice to be served on the hirer under this agreement may be given:
- During the holiday period by delivery through the letterbox or putting under the front door of the property and shall be deemed to have been received upon the expiration of 24 hours after service
- Before or after the holiday period by sending recorded delivery mail to the hirer at his/her address as notified to the Lessor and shall be deemed to have been received upon the expiration of 48 hours after posting
|
economics
|
http://agm-indy.com/2016/06/24/make-the-most-of-the-lunch-rush-how-to-use-point-of-sale-reporting-to-improve-fast-food-sales/
| 2019-01-23T23:01:37 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547584415432.83/warc/CC-MAIN-20190123213748-20190123235748-00277.warc.gz
| 0.965043 | 495 |
CC-MAIN-2019-04
|
webtext-fineweb__CC-MAIN-2019-04__0__119230234
|
en
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If you have a fast food business in a corporate area, your sales will come mostly at lunch and they'll come fast. Your success will depend on how many customers you can serve in that short 1-1.5 hour period. Your staff should be trained for speed, but speed that doesn't exclude courteous customer service and upselling.
Your point-of-sale (POS) system can generate a variety of reports that can help you monitor your sales staff's performance, as well as identify opportunities for improvement. It's essential that each of your sales people has their unique login for using the POS system. You can then easily track key performance indicators (KPIs), such as total customer count, customer count per hour, total sales and average sale per transaction.
Speed of service
The POS report can help you identify the best-performing team members, as well as the ones that are lagging behind. If someone is not serving nearly as many customers as the rest of the team members, it's a sign that the manager needs to pay attention at how this person is doing things. Are they slower because their work station is not organised? Are they following the right systems? What are the best-performing people on your team doing differently? How can you train your non-performers to do the same?
Comparing your staff's sale per transaction will give you an indication whether or not a sales person is upselling successfully. If they are not, they may need more training or they simply need to be reminded that upselling is expected of them. You can automate reminders by programming your POS system to prompt your staff to ask the customer more questions before closing the sale.
Don't lose sight of the big picture
It's important to look at the KPIs in combination and not only individually. Sometimes upselling can come at the cost of spending more time with one person and losing other customers that don't want to wait. In this case someone good at upselling will have higher sales per transaction, but lower customer count and lower total sales than a team member that serves fast. Comparing all KPIs will determine the best strategy for your business and the best way to train your staff for highest sales. You can even introduce different strategies for the lunch rush and other times. When the business is slower, the staff will have more time to have a conversation with the customers, build a relationship and encourage them to buy more.
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economics
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http://360payments.com/text-to-lend/
| 2023-09-25T00:04:03 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506669.96/warc/CC-MAIN-20230924223409-20230925013409-00191.warc.gz
| 0.894735 | 380 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__313027400
|
en
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360 Consumer Finance Platform
Help your customers drive new sales and increase their average RO by offering an easy and secure financing integration. Consumers can apply, get approved, and pay right from their smartphones.
The New Consumer Financing Standard
Consumers demand flexibility and choice when it comes to paying for vehicle repairs. If you aren’t offering them simple, safe ways to get to yes, you’re being left in the dust. Get the jump on the competition by offering 360 CFP, featuring Text-to-Lend.
Embedded within popular DVI tools, T360 CFP allows consumers to view their estimate and quickly and discreetly apply for financing – all from their smartphone.
Everyone is too busy these days to spend hours waiting for approvals. Make it easy by ensuring consumers get their approval decision in minutes with
Focus on Technology
With Text-to-Lend, you’re showing your customers your commitment to innovative new tech that will improve the customer experience at their business.
Security and Service
Consumers need to know that their data will be handled with care. 360 CFP featuring Text-to-Lend meets and exceeds the latest data privacy and security standards, plus it’s backed by industry-leading support.
Simplified Sales Process
Make it easy for service advisors to sell consumer financing options without feeling overwhelmed. 360 CFP featuring Text-to-Lend automates this potentially challenging conversation.
See How It Works
360 CFP featuring Text-to-Lend is integrated seamlessly into the industry’s top DVI tools like AutoServe1. Consumers can view estimates, apply for financing, and get an approval decision in minutes from one beautifully designed interface.
What Our Customers Say
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economics
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https://www.stephencohuantiques.com/investing.html
| 2024-04-14T14:31:57 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816879.72/warc/CC-MAIN-20240414130604-20240414160604-00361.warc.gz
| 0.976472 | 1,192 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__6157683
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en
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Should you invest in art and antiques?
The answer to this question is of course, from my ever so slightly conflicted position, yes, but not for the reasons you may be thinking. Unless you are a professional investor you should not buy paintings, objects, furniture or items for any other reason than because you like them. You should not set out to buy things with the express goal of selling them for a profit at some time in the future because this may never happen. The investment you make is an investment in your own enjoyment of life and your surroundings. There is little point in living in an environment filled with things you do not enjoy simply because you hope they will make you money. You may get lucky and spot the next big thing before the rest of the market piles in and forces up prices. Buying for enjoyment means you don't need to concern yourself with such matters. If and when you come to sell, if you get your money back or even a profit then this should be considered as a bonus rather than an expectation.
Another factor which drives demand is the usability of the item in question. A prime example of this would be the classic Georgian mahogany bureau. A handsome example in the year 2000 might have cost you £2000. With the advent of computers, tablets, mobile phones and email no one needs a bureau in which to keep their writing paper, envelopes, stamps or to store the current year's bills and paperwork. Technology has killed demand and consequently a fine example could now be bought for perhaps £300, exceptional value for money and no less attractive than when it was worth six times as much. A reduction in room sizes has reduced demand for larger items of furniture as has the desire for fitted kitchens and bedrooms.
Many of the above negatives are in fact positives for people interested in furnishing with antiques because it means they can own beautiful, interesting, robust and functional pieces at prices that make them accessible to everybody.
Supply and demand
The above examples demonstrate how changes in demand have affected the price of cheaper and mid-range items which were purchased by householders who never expected them to lose value. The reduction in demand has coincided with an increase in supply as fewer pieces inherited by younger generations are retained in the family.
Where prices are likely to take off is where demand is high and supply is limited. This will really only apply to desirable items where rarity is the key to success. Works of art which are unique and can't be replicated should always prove a better investment, we can't say for sure but by buying the best you can afford at this end of the market you will give yourself a much better chance of success.
As the world's wealthiest people force the prices of the rarest and most desirable artworks ever higher, the second tier of works is pulled upwards behind it. As investors can no longer afford the most expensive items they target the second tier of the market and some of these artists have seen their works rise in value from £10,000 to £100,000 in just a few years. This second tier, if you pick the right artist, is where significant gains could be made in the next decade. Of course when works fall out of favour prices can plummet.
In the early century the works of the most famous pre-Raphaelite artists such as Edward Burne Jones and Dante Rossetti were so unpopular they were virtually being given away. The Mander family furnished their house, Wightwick Manor, with these works and for a small outlay now have a collection, 100 years later, worth tens of millions. However the average investor looking for a medium term gain doesn't have 100 years to wait! Furthermore, as the collection is unlikely to ever be sold it has a true value of nothing!
Few of us can however afford to invest at these levels but the same rules apply to less expensive items- don't buy damaged or heavily restored items, don't buy cheap items where you can go out and find another 500 exactly the same, always buy the best example you can afford.
Investments or possessions only have a value when they are sold, the same goes for all types of investment. Shares in a company on the stock exchange might have a "value" of £50,000 one day. The next day the company declares bankruptcy and goes into administration, the shares becoming worthless. They only ever had a value of £50,000 if you had sold them the day before!
Selling into a market where demand is high and supply is small should result in a high price. Where supply is large and demand is small you might be lucky to even sell it at all. This is where the investor is at the mercy of the market and the savvy buyer will only buy items he is sure will be easy to sell.
For us, when buying at auction, it is much better to buy lots where there is a lot of competition and prices are higher than expected. If you buy it very cheaply you are either lucky because the item was overlooked or more likely because no one else wanted it - that should ring alarm bells. Maybe buying these sorts of items will yield high returns in the future when demand picks up. Shall we look into our crystal ball to find out?!
Some antiques and certain artworks have proved to be exceptional investments over the last few years but generally at a level accessible to only very few people with significant sums at their disposal. Our advice is invest in your enjoyment of life by buying things that you like, not things that might make you money. You don't have to spend a fortune to surround yourself with things you will enjoy looking at every day and who knows, when the time comes to pass these things on to a new passionate owner, you might even come away with a profit!
Article written by Stephen Cohu for Jerseylife Magazine, July 2018.
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economics
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https://www.myindigocreditcardlogin.com/best-credit-cards-for-low-credit/
| 2022-11-28T21:01:36 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710662.60/warc/CC-MAIN-20221128203656-20221128233656-00115.warc.gz
| 0.946364 | 1,405 |
CC-MAIN-2022-49
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webtext-fineweb__CC-MAIN-2022-49__0__277031748
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en
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When you don’t have good credit, trying to get a credit card is hard, and even once you do get a credit card, it’s easy to get trapped.
You will have a hard time improving your credit score if you do not have the opportunity to rebuild your credit. There are still credit cards available for people with bad credit, though you may not realize that.
If you wish to raise your credit score, you should consider getting a credit card with on-time payment options. Even though getting a new credit card can help your score, it can also bring it further down if it is not managed properly.
Most often, the best credit cards will depend on the individual’s individual situation, but secured cards tend to be the best choice for people with less than perfect credit. You have to put down a cash deposit when you get a secured credit card. Your credit is usually determined by that amount.
Once you use that card repeatedly, you’ll build credit, and ultimately, you’ll be able to get an unsecured card. The cash security deposit that you paid for your secured credit card can be refunded if you obtain another type of credit card.
Some of the best credit cards for people with bad credit can be found below.
Best Credit Cards For Bad Credit
In this article, we review credit cards for people with bad credit in an effort to help them rebuild their credit scores.
1. OpenSky Secured Visa
The Secured Visa from OpenSky does not require a credit check as it is a secured card. When a person opens an account, they opt for a credit line, and then they make a refundable deposit based on the credit line they choose. A major advantage of the card is the fact that you don’t have to worry about your credit score being affected by a hard pull since there is no credit check.
Depending on your creditworthiness, you may receive up to $3,000. Using OpenSky, users can improve their credit scores because their credit information is reported to all three major credit bureaus each month.
$35 is required for the annual fee, and the APR is approximately 19.64%. You can use it just like a regular Visa card. 99 percent of customers with no credit score who started with the company built their score within six months.
2. Indigo® Platinum Mastercard® Credit Card
People with low or bad credit often choose the Indigo® Platinum Mastercard® Credit Card. An applicant can utilize the pre-qualification option without affecting his or her credit score. Each of the major credit bureaus receives a report from the company.
Typical Mastercard fraud protection is available with the Indigo® Platinum Mastercard® Credit Card. Bankruptcy may not be an obstacle to obtaining this card.
3. Milestone Gold Mastercard®
There is no security on the Milestone Gold Mastercard®. Before submitting your application, you can see if you qualify. You will usually be approved for a credit limit of $300 upon approval. During the application process, you will need to consider a $35 to a $99 annual fee.
It costs $35 – $99* per year after the first year of free usage. Benefits of Mastercard Gold are included in the Milestone Gold Mastercard®.
4. Green Dot Platinum Visa
Secured credit cards are specifically designed to establish or rebuild credit. If a credit line is needed, a refundable security deposit of $200 is required, and no bank account is needed.
Consumers can deposit money in certain participating retail stores to report their payment and usage histories to credit bureaus.
This Green Dot Platinum Visa offers an annual percentage rate of 19.99%. Credit limits range from $200 to $1,000. Annual fees are $39 and credit limits are $200 to $1,000.
5. DCU Visa Platinum Secured Credit Card
This Visa Platinum Secured Credit Card is offered by Digital Federal Credit Union. The account allows account holders to borrow money against their savings accounts with DCU. It has no annual fee. You can make purchases with Apple Pay and Visa Checkout. With DCU Visa Platinum Secured Credit Card, you can get low-interest rates. Current interest rates are 13.75 percent.
6. Citi Secured Mastercard
Users of Citi Secured Mastercard can deposit between $200 to $2,500 as a security deposit, granting them a larger credit line than that offered by other secured cards.
Credit requirements are part of the approval process for this card, including a review of income and debt. There is a 24.74% variable APR on purchases. The account holder must not have filed for bankruptcy within the past two years to qualify for this card. Annual fees are not charged for this card.
7. USAA Secured Platinum Visa
A $35 annual fee is associated with the USAA Secured Platinum Visa, but there is no foreign transaction fee or penalty APR. It varies from 11.65% to 21.65%, which is on the lower end when compared to other cards.
Military recruits will benefit from the special features, security protection, and no liability associated with the card. All cardholders will receive a free credit score.
The credit limit is determined by the security deposit users make when applying for credit. A $250 security deposit is accepted. Interest is also earned on the security deposit, unlike many other cards.
8. Credit One Bank® Visa® Credit Card
People with no credit history or poor credit tend to apply for Credit One Bank credit cards. Among the credit cards available in the Credit One Bank® Visa® Credit Card.
One of the best things about this card is that it allows skilled applicants to earn 1 percent cash back on all purchases and that the rewards post to their accounts each month.
Credit score monitoring is free for account holders. Due to the fact that this is a Visa card, it offers all the standard benefits. The annual fee ranges from $0 to $99. Variable APR ranges between 17.99% – 23.99%.
9. Discover it Secured
There is a refundable security deposit required for the Discover it Secured Card. Cardholders do not have to pay an annual fee, and the standard variable APR is 22.99%. By using this card, users can receive free monitoring of their Social Security numbers.
Customers can view their FICO credit score for free online and on statements if they hold a Discover it Secured Card.
Account-holders of this card can earn 2 percent cash back on up to $1,000 in purchases every quarter at restaurants or gas stations, and 1 percent on everything else. Upon opening the account, the company matches your first year’s cash-back earnings.
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economics
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https://clevedoncare.org.uk/Support/
| 2024-04-15T18:16:18 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817014.15/warc/CC-MAIN-20240415174104-20240415204104-00078.warc.gz
| 0.964532 | 191 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__163206213
|
en
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If you would like to make a financial contribution on a one-off or a regular basis to support Clevedon Care, we would be delighted to talk to you. Our treasurer can explain the various options for giving that are open to you.
If you are a regular UK income tax payer, you might also like to consider GiftAiding your contribution. This boosts the value of the contribution you make without costing you any more. You can find out more about GiftAid here.
Clevedon Care has been fortunate over the years in benefitting from legacies left by benefactors. This has enabled us to operate independently without any central or local government financial support. If Clevedon Care has helped you in the past when you were in need, perhaps you might consider leaving a contribution to us in your will. The advantages are explained here.
Thanks for your support. To discuss your options for giving, please contact our treasurer.
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economics
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https://texmin.gov.in/about-us/public-sector-undertakings
| 2023-12-05T08:51:01 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100550.40/warc/CC-MAIN-20231205073336-20231205103336-00440.warc.gz
| 0.943034 | 3,241 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__43753967
|
en
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Public Sector Undertakings
National Textile Corporation Limited
National Textile Corporation Limited (NTC), a Schedule “A” Central Public Sector Enterprises under the ambit of Ministry of Textile, Government of India, engaged in production of yarn and fabric. NTC was established primarily to manage the affairs of the sick textile undertakings taken over by the Govt. of India in three Nationalization Acts in the years 1974; 1986; and 1995 by nationalizing 124 mills.
NTC has existing 23 working mills. However, despite implementation of BIFR approved revival scheme (SS-02), (MS-06), (MS-08), NTC has been incurring operation losses and not earning sufficient income to meet its running expenses. There being little scope for its revival, Department of Public Enterprises (DPE) in terms of its guidelines dated 13.12.2021 regarding implementation of new PSE policy for closure or privatization of the sick CPSE, is deliberating the matter further.
Core-IV, 7, Lodi Road,
New Delhi – 110003
The Handicrafts & Handlooms Exports Corporation of India Ltd. (HHEC) was established in the year 1958, as “Indian Handicrafts Development Corporation Ltd” with the twin objective of (i) export promotion and (ii) trade development of handicraft and handloom products and it was renamed as “The Handicrafts & Handlooms Exports Corporation of India Limited” in 1962. HHEC was continuously suffering losses since 2015-16 and its business operations had come to a standstill. Being commercially unavailable, Closure of HHEC was approved by Union Cabinet in its meeting held on 16.03.2021. Post closure activities of HHEC are being carried out as per the extant DPE guidelines.
The Handicrafts & Handloom
Exports Corporation of India Ltd.
Jawahar Vyapar Bhawan, 1
New Delhi -110001
National Handloom Development Corporation (NHDC) Ltd., Lucknow was set up in February, 1983 by the Government of India as a Public Sector Undertaking under the Companies Act, 1956. The Authorized Capital of NHDC Ltd. is Rs.2000 lakh and its Paid up Capital is Rs.1900 lac. The main objectives of NHDC are: • Carry on the business of supplying all types of yarn for the benefit of the handloom sector. • Organize supply of quality dyes and related materials needed by the handloom sector. • Promote marketing of handloom fabrics. Aid, assist and implement the projects connected with the production of handloom fabrics including taking up modernization programme, technology for the handloom sector
National Handloom Development Corporation (NHDC)
Wegmans Business Park, Tower - 1
Plot No. 03, Sector Knowledge Park - III
Surajpur - Kasna Main Road
Greater Noida - 201306
The CCI was set up in 1970 by the Government of India, as an only Public Sector Organization in the field of cotton marketing. With the changing cotton scenario, the role and functions of the Corporation were reviewed and revised from time to time. As per the policy directives received from the Ministry in 1985, the CCI is the sole agency of the Government for undertaking Price Support Operations, whenever the prices of Kapas (seed cotton) touch the support price level. However, in the absence of price support operations, the Corporation undertakes commercial operations for supplying cotton to NTC Mills, Unit Mills of State Textile Corporations, Co-operative Spinning Mills and Private Mills, in addition to purchasing cotton for fulfilling export commitment. The role assigned to the Corporation, in brief, is as under:- • To undertake price support operations whenever the market prices of kapas touch the support prices announced by the Government of India without any quantitative limit; • To undertake commercial operations, only at CCI’s own risk and; • To purchase cotton to fulfill export commitments. The Corporation, with a view to serve the cotton growers and the textile industry, has developed an elaborate infrastructure. It had 19 Branch Offices in all major cotton growing States during the year under report. It helps cotton growers in marketing their Kapas through a network of over 341 purchase centers spread over the major cotton growing States. FINANCIAL RESULTS During Financial Year 2017-18, CCI achieved a turnover of Rs.1392.22 crores as against the previous year’s turnover of Rs.1962.96 crores. The highlights of the financial results during the financial year 2016-17 & 2017-18 were as follows:
Purchase(in Lakh Bales)
Domestic Sales (in Lakh Bales)
Turnover (in Rs. Crores)
Profit after tax (in Rs. Crores)
During the year, Corporation’s short term debt is rated CARE A1+(SO)[CARE A One Plus] (Structured Obligation) i.e. the highest credit rating assigned in this category for short term bank borrowings of Rs.25,000 crores which signifies strong capacity for timely payment of short term debt obligation and carry lowest credit risk.
DIVIDEND: CCI recommended a dividend of Rs. 2.80 crores, during the financial year 2017-18.
'Kapas Bhavan', Plot No. 3-A,
Sector 10, Post Box No. 60,CBD Belapur,
NAVI MUMBAI - 400 614 (Maharashtra)
Central Cottage Industries Emporium was established in the year 1952 under the management of Indian Cooperative Union and was later on taken over by Central Cottage Industries Association in 1964 and was incorporated as Central Cottage Industries Corporation of India Ltd. (CCIC) on February 4, 1976. CCIC is a Public Sector Undertaking under Ministry of Textiles. The main objective of CCIC is to develop, promote and market High Quality Indian Handicrafts and Handloom products in India and abroad procured from the artisans/ weavers/ craftsperson through their Emporia, E-commerce, Exhibitions, Institutional / Corporate Sales, Exports and Interior Decoration Projects. CCIC is foremost in the pursuit of vocal for local and Atmanirbhar Bharat at grass root level. Corporation is having showrooms at New Delhi, Kolkata, Bengaluru, Chennai, Hyderabad, Kevadia (Gujarat), Craft Museum, New Delhi and Salarjung Museum, Hyderabad. CCIC is also having an online shopping website shoponline.cottageemporium.in for it's esteemed customers.
The Registered and Corporate Office of the company is situated at Jawahar Vyapar Bhawan,
Janpath, New Delhi - 110 001
The British India Corporation Limited
Incorporated in 1920 as a Public Limited Company, British India Corporation Ltd. (BIC) was taken over by the Government of India under the British India Corporation Ltd. (acquisition of shares) Act, 1981. The Company has two units namely (1) Cawnpore Woollen Mills Branch, Kanpur (2) New Egerton Woollen Mills Branch, Dhariwal with Head Office in Kanpur, manufacturing woollen fabrics.
BIFR approved revival scheme of BIC couldn’t take off as it was linked with sale of its surplus Nazul/leasehold land which requires permission of U.P. Govt. which has not been forthcoming. Due to continuous losses there has been no production activity in BIC mills since 2009. There being little scope for its revival, DPE in terms of its guidelines dated 13.12.2021 regarding implementation of new PSE policy for closure or privatization of the sick CPSE, is deliberating the matter further.
Jute Corporation of India (JCI) Ltd
JCI is a Govt. of India Enterprise set up in 1971, JCI is the official agency of the Ministry of Textiles (MoT) responsible for implementing the MSP policy for jute producers and serves as a stabilizing agency in the raw jute market. JCI also undertakes commercial operations, procuring jute at prices above the MSP on commercial consideration to generate profits. JCI’s price support operations involve procuring raw jute from small and marginal farmers at MSP without any quantitative limit as and when the prevailing market price of jute falls below the MSP. These operations help create a notional buffer in the market by siphoning off excess supply, in order to arrest inter-seasonal and intra-seasonal fluctuations in raw jute prices. JCI’s Departmental Purchase Centres (DPCs), which are situated in jute growing areas, purchases raw jute directly from the farmers. JCI has around 110 DPCs of which 69 are in West Bengal, 19 in Assam, 12 in Bihar and the rests in the three other jute growing states of Andhra Pradesh, Orissa and Tripura. During the year 2020-21, 0.0398 lakhs of bales have been procured by JCI under MSP operation. The authorized and paid-up capital of the Corporation is Rs.5 Crore and the net worth is Rs.155.64 Crore as on 31.03.2021. The entire authorized capital has been subscribed by the Government of India.
15 N, 7th Floor, Nelli Sengupta Sarani,
New Market, Kolkata - 700087.
National Jute Manufactures Corporation Ltd
National Jute Manufactures Corporation Ltd (NJMC Ltd), is a schedule “B” Public Sector Undertaking under the ambit of Ministry of Textiles, Government of India incorporated on 03rd June, 1980 as per Jute Nationalization Act 1980. NJMC Ltd has the following 6(six) Jute Mills under itself which are as follows:
a) Kinnison Jute Mill, Titagarh, 24 Parganas (North), West Bengal b) Khardah Jute Mill, Khardah, 24 Parganas (North), West Bengal c) Alexandra Jute Mill, Jagaddal, 24 Parganas (North), West Bengal d) National Jute Mill, Sankrail, Howrah, West Bengal e) Union Jute Mill, Sealdah, Kolkata, West Bengal f) RBHM Jute Mill, Katihar, Bihar
The management of six sick private sector Jute manufacturing companies was taken over by the Central Government under Clause (a) of sub-section (1) of Section 18 AA of the Industries (Development and Regulation) Act, 1956 and thereafter the ownership of these companies was vested on the Central Government through enabling legislation of these, the National Jute Mill was nationalized under the National Company Limited (Acquisition and transfer of Undertakings) Act, 1980. The remaining five companies were nationalized under the Jute Companies (Nationalization) Act, 1980. The ownership of these nationalized companies was vested on NJMC Ltd, a company newly created specifically for this purpose on 3rd June 1980, w.e.f. 10th June, 1980 in case of National Jute Mill and w.e.f. 21st December, 1980 in case of the remaining five mills. NJMC Ltd has one subsidiary, namely, Birds Jute & Exports Limited (BJEL) in which it holds 59 percent equity shares.
NJMC Ltd could not revive these sick mills and was itself referred to the Board for Industrial & Financial Reconstruction (BIFR) in 1992 and declared a sick company in 1993. A draft plan for revival of NJMC Ltd was approved by the Cabinet on 19th March 2010 at a total cost of 1417.53 crores, which was enhanced to Rs. 1562.98 crores by the Cabinet in its meeting held on 25th November, 2010. BIFR approved the revival plan on 5th January, 2011 which essentially consisted of:
(a) Closure of three mills, namely, National, Union and Alexandra; (b) Offering VRS to all the employees; and (c) Running of the remaining three mills.
During the financial year 2018-19 the closure of NJMC Ltd has been approved by The Union Cabinet on 10th October, 2018. The process of closure is being carried out in accordance with DPE guidelines No. DPE/5(1)/2014-Fin. (Part – 1) dated 14.06.2018.
MSTC has been appointed as the Auctioning Agency (AA) for disposal of Movable Assets and NBCC (I) Ltd has been appointed as Land management Agency (LMA) for disposal of immovable assets of the Corporation. The disposal of properties of NJMC is in the advanced stage of completion.
Chartered Bank Building
2nd Floor 4, Netaji Subhas Road
Birds Jute & Exports Ltd. (BJEL)
Functions &Organization Setup: The company came into being in 1870 and was then named as Arathoon Jute Mills Ltd in 1904 name changed as Lansdowne jute Mills Pvt Ltd and again the name of the Company was changed to Birds jute and Exports Limited (BJEL) in the year 1971, and it was decided to run as a processing unit for bleaching, dyeing & printing of Jute, cotton and blended fabrics. BJEL was initially a subsidiary of Bird & Co Ltd. Following nationalization of Bird & Co Ltd on October 25, 1980, Bharat Process & Mechanical Engineers Ltd ( BPMEL) under Ministry of Heavy Industry took over the Assets of Bird & Co and BPMEL became a holder of 59% of BJEL’s Equity Shares.
In 1986, GOI decided to transfer entire equity share holding of BPMEL in BJEL to National Jute Manufacturers Corporation Ltd (NJMC). Accordingly, BJEL became a subsidiary of NJMC Ltd w.e.f November 20, 1986 and came under the administrative Ministry Of Textile (MOT). Company is the owner of 52.7528 acres of land and out of this land a portion of 3.0749 acres of land acquired by Govt of West Bengal in the year 1962-63.since then the company is in possession of 49.6779 acres of land subject to the encroachment of land by outsiders, of which retation order 6240-L dated 07-04-1964 issued by Land and Land reforms Department as per provision of sec 6(1)(g) read with 6(3) of West Bengal Estate Acquisition Act 1953. Turnover and performance of the company started declining from FY 1988-89. The Company suspended its production in October 1988 because of repairs and renovation of old machine. Production was resumed in August 2001. However, the production was completely stopped from October 2002. All the workers were given VRS on 2003, Staffs in 2004 and Officers in 2011.
The closure of BJEL has been approved by The Union Cabinet on 10th October, 2018. The process of closure is being carried out in accordance with DPE guidelines No. DPE/5(1)/2014-Fin. (Part-1) dated 14.6.2018. M/s. MSTC Ltd. has been appointed as auctioning agency for disposal of all movable assets including building and NBCC Ltd. has been appointed as LMA for disposal of immovable assets as per DPE guideline dated 14.6.2018. The disposal of properties of BJEL is in advanced stage of completion.
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economics
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https://annalisereads.com/reclaim-your-digital-gold-it-is-your-power
| 2023-11-30T11:13:20 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100184.3/warc/CC-MAIN-20231130094531-20231130124531-00120.warc.gz
| 0.912852 | 414 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__65106109
|
en
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The Power of Personal Data: How it Shapes the Future of Business and Society
In today’s digital age, personal data has become a valuable commodity, fueling the growth of many businesses and shaping the society we live in. The widespread use of the Internet and mobile devices has given rise to new business models that cater to our every need and convenience online. As a result, there is a race for data supremacy through the collection and exploitation of personal data which feeds artificial intelligence (AI) tools and solutions such as ChatGPT, BingAI, and others.
Here are a few highlights of what you will learn:
- Companies collect and analyze personal data to market to consumers based on their searches, behavioral habits, and purchasing patterns.
- Some of these companies provide habit-changing services that can result in irreversible social change.
- Personal data has become a currency that people are willing to trade for convenience, entertainment, and instant gratification.
- The book delves into the potential impact of personal data on the future of business and society.
- It explores the new surveillance capitalism business model, privacy concerns, the impact of social media, and how the future is shaping up given AI, Metaverse, and other online data-hungry solutions and applications.
- It also offers practical steps (Digital Gold Nuggets) that individuals can take to reclaim and reposition their data power.
- Some readers may be skeptical about the impact of personal data on society and may question the practicality of the suggested steps to reclaim data power.
By understanding the power of personal data, readers can take control of their digital footprint and make informed decisions about their online activities.
This book is a must-read for anyone concerned about the future of privacy and the impact of personal data on society.
Get your copy of the book today to discover the power of personal data and take control of your digital life.
You can get the book for FREE on Amazon Kindle today.
You can also learn more at ReclaimYourDigitalGold.com.
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economics
|
https://www.myclosingcosts.ca/
| 2023-12-08T19:43:51 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100769.54/warc/CC-MAIN-20231208180539-20231208210539-00115.warc.gz
| 0.928203 | 164 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__27577501
|
en
|
Making dollars make sense
Hi. We are Ratehub.ca. Financial decisions can be challenging and profoundly impact our lives. That’s why we are here. To make it easier to choose better personal finance.
Canada’s leading financial comparison platform
Over the past decade we have helped millions of Canadians make smarter financial decisions by providing the best tools, advice, and rates in the market. With roots as an early innovator in the online mortgage world, Ratehub.ca became the first comparison service to integrate an inhouse mortgage brokerage (the award winning CanWise Financial). Since then, we’ve continued to grow with the addition of auto & home insurance quoting, credit card comparison, GIC & chequing account applications and much more. See what we have to offer here.
|
economics
|
https://southhighfoundation.org/Endowment.html
| 2023-10-04T12:16:08 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511369.62/warc/CC-MAIN-20231004120203-20231004150203-00879.warc.gz
| 0.94616 | 498 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__198376231
|
en
|
The Board, like many families, has essentially three financial accounts. It has a 'checking account' to hold a small amount of money used for current expenses (e.g., office supplies, printing costs). It has a 'savings account' which holds money not needed in the short-term but set aside for reasonably predicted future expenses (e.g., the scholarships to be paid out at the end of the next school year). And it has the 'endowment' - money that the Board believes can safely be set aside and tied up to ensure the long-term viability of the Foundation.
The Foundation has created the endowment over the years of its operation. The endowment is a fund created by the transfer of contributions received through routine unrestricted contributions or through contributions specifically designated for the endowment. The endowment is intended to be "protected" - that is, the Foundation can use the earnings from the endowment to fund its activities, but it does not intend to dip into the endowment itself.
For example, suppose that the endowment fund contains $500,000. Suppose that it is invested wisely and earns 5% annually in dividends and interest. That would be $25,000 which the Foundation could add to its general funds and allocate according to current needs and priorities. The $500,000 would remain untouched and hopefully 'donate' $25,000 again next year.
Money can move into the endowment in two ways:
- a funding shift made by the Board, or
- a restricted donation.
As of the end the end of fiscal year 2014, the endowment stood at $503,000 providing for a more secure future the the Friends of South High Foundation.
To make a donation now, click on the GiveMN button to the right. To mail in a donation, click here to get a form you can print, complete, and mail in.
For more information about making a donation to the endowment, you can send an email to the Foundation office or send a letter to
South High Foundation
3131 19th Ave S
Minneapolis MN 55407
The Mission of the Friends of South High Foundation: provide financial assistance and support for programs at South High School that directly enhance the students’ overall high school experience by enriching their academic, cultural and extracurricular experience; and to support and enhance their ability to further their education.
|
economics
|
https://napervilleil.dental/financing/
| 2023-12-02T04:52:35 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100327.70/warc/CC-MAIN-20231202042052-20231202072052-00058.warc.gz
| 0.897716 | 204 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__169801950
|
en
|
Naperville, IL Dentist
Want to make a payment?
No Insurance? No Problem!
A year of dentistry for less than a dollar a day with our in house dental savings plan.
Join PebblewoodDental’s In-House Dental $avings Plan today. Click here for more information
Financing and insurance can be simpler than they seem. Call us today at (630) 369-6222. We’re excited to work with you in achieving your best smile.
Our Dental $avings Plan is designed to provide greater access to quality dental care at an affordable price. It’s a discounted fee schedule for most services, only good at Pebblewood Dental. You save on everything from cleanings and fillings to cosmetic procedures and crowns!
Pebblewood Dental has partnered with CareCredit to offer a health financing card. Zero percent interest financing is available! Click the application link below to see how much you qualify for.
|
economics
|
https://www.jobskillstraining.org/courses/purchasing-foundations/
| 2024-04-12T21:17:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816070.70/warc/CC-MAIN-20240412194614-20240412224614-00660.warc.gz
| 0.917202 | 559 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__124544799
|
en
|
Purchasing Foundations: For their firms, purchasing departments maximise savings and generate value. This course describes the purchasing process and offers suggestions for assessing, choosing, and managing suppliers. It is taught by supply chain specialist and professor Steven Brown. He also discusses the functions of cost control and strategic sourcing, as well as the related moral and legal issues. Learn more about specialised subjects including supply chain performance management, resourcing, and indirect cost on services (including transportation and utilities).
The primary learning objective of the “Purchasing Foundations” online course is to provide participants with a comprehensive understanding of the fundamental concepts, principles, and practices of purchasing. By the end of the course, participants will be able to:
- Understand the Procurement Process: Participants will gain a thorough understanding of the procurement process, including its purpose, different stages, and key players involved. They will also learn about the importance of procurement ethics and the role of purchasing within an organization.
- Develop Sourcing Strategies: Participants will be able to identify and evaluate potential suppliers, and understand the different types of sourcing methods such as direct procurement, reverse auctions, and e-procurement, and when to use each method. They will also learn how to conduct supplier assessments and select the best suppliers for their needs.
- Manage Supplier Relationships: Participants will learn how to build and maintain strong supplier relationships, including developing supplier performance metrics, managing supplier risk, and collaborating with suppliers to drive innovation.
- Negotiate and Manage Contracts: Participants will be able to apply negotiation strategies and tactics, and understand contract law and the key elements of a contract. They will also learn how to prepare for and conduct successful negotiations and manage contracts effectively.
- Apply Best Practices in Purchasing: Participants will be able to apply best practices in purchasing to their own organizations, improving their procurement processes, supplier management, and negotiation skills. They will understand how to develop and implement effective procurement policies and procedures and will be able to identify and assess the risks associated with procurement.
- Evaluate Performance: Participants will be able to evaluate the performance of their purchasing function, identify areas for improvement, and make recommendations for enhancing the effectiveness and efficiency of the procurement process.
In summary, the “Purchasing Foundations” online course aims to equip participants with the knowledge, skills, and tools needed to develop and implement effective purchasing strategies, manage supplier relationships, negotiate and manage contracts, and apply best practices in purchasing. Through a combination of theoretical concepts, practical examples, and case studies, participants will gain a comprehensive understanding of the purchasing function and how it can contribute to the success of an organization.
|
economics
|
https://www.bedlamalliancegames.co.uk/product-page/london-markets
| 2021-10-19T22:07:54 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585281.35/warc/CC-MAIN-20211019202148-20211019232148-00043.warc.gz
| 0.945143 | 170 |
CC-MAIN-2021-43
|
webtext-fineweb__CC-MAIN-2021-43__0__184685624
|
en
|
Become the most respected merchant of the London markets.
London, 19th century: Under Queen Victoria’s reign, trade of exotic goods in the United Kingdom has blossomed, with china, soap, silk and coffee being traded for top prices at London’s markets. Be sure to get your share of the profits to become the most renowned merchandiser in London.
To make more profits than anyone else at London’s markets and secure their position as the city’s most renowned merchandiser, players need to organize their goods cleverly in order to control their goods replenishment and their personal income.
Through clever use of the merchants and assistants at the different markets, in addition to smart acquisition of goods at the daily auctions, you’ll earn the profits you need to win the game!
|
economics
|
https://creditrepairbusinesswebsites.com/our_resources/10-credit-repair-key-terms-to-boost-your-financial-know-how/
| 2024-04-21T02:03:46 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817699.6/warc/CC-MAIN-20240421005612-20240421035612-00240.warc.gz
| 0.950066 | 426 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__33274602
|
en
|
Understanding the language of credit repair is crucial for anyone looking to improve their credit score and take control of their finances. Familiarizing yourself with these ten key credit repair terms and their definitions will equip you to navigate the credit repair process better, communicate effectively with creditors and credit bureaus, and ultimately achieve your financial goals.
- Credit Report: A document that contains information about your credit history, including your current and past credit accounts, payment history, and other financial data.
- Credit Score: A numerical representation of your creditworthiness, based on your credit history, that lenders use to evaluate your credit risk.
- Credit Bureau: A company that collects and maintains consumer credit information and provides credit reports to lenders and other authorized parties.
- Dispute: A formal request to a credit bureau to investigate and correct errors or inaccuracies in your credit report.
- Credit Repair Organization: A company that offers services to help consumers improve their credit scores and repair their credit histories.
- Charge-Off: When a creditor writes off a debt as uncollectible and reports it as a loss to the credit bureaus, which can significantly damage your credit score.
- Collection Agency: A company that specializes in collecting unpaid debts on behalf of creditors and can report negative information to the credit bureaus.
- Debt Consolidation: Combining multiple debts into a single loan with a lower interest rate or more manageable payment terms.
- Secured Credit Card: A credit card that requires a security deposit, which serves as collateral and can help consumers build or rebuild credit.
- Credit Counseling: A service that helps consumers manage their debts and develop a plan to improve their credit score over time, typically through education and financial coaching.
Understanding these ten credit repair terms is crucial for anyone who wants to take control of their credit and financial future. You can now better navigate the credit repair process and make informed decisions about your credit. Remember, your credit score is a vital component of your financial health, and by staying knowledgeable and proactive, you can take steps to improve it and achieve your financial goals.
|
economics
|
https://www.sharealliance.org.uk/research/individual-ownership/
| 2024-02-25T19:31:47 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474641.34/warc/CC-MAIN-20240225171204-20240225201204-00456.warc.gz
| 0.963857 | 3,684 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__72502461
|
en
|
Politicians often speak glibly about ownership as if it's a definitive term, but the sense of ownership depends on a whole range of features. In the long term we are all only stewards of what we own, as we can't take it with us when we die. But the reality of ownership still relies on some influential characteristics including the extent to which it offers us participation and the ability to control our assets, and the degree to which it carries with it a sense of responsibility.
There are various styles of ownership, and how that ownership is enabled, and the nature of the asset, can weaken or strengthen the sense of connection which is so essential to a sense of ownership.
A sense of ownership starts with where you live, and in the United Kingdom that’s almost out of reach now for young people, with generations born after 1970 having significantly lower levels of home ownership. The average first time buyer age was 24 in 1970, 28 in 2000 and 37 in 2013. Rock-bottom interest rates have inflated asset values massively, and have given a further massive twist to the polarisation of wealth.
Property ownership - real estate - is also severely challenged by debt, and almost two decades of easy borrowing at such low interest rates really hasn't helped. Bankers and finance companies have strained to maximise loan availability, to the extent of exceeding 100% through ‘shared ownership’: but when you're in hock to the bank to such a colossal extent, do you really get a sense of ownership, or does it just pile on anxiety?
Leverage is a key problem which we must solve in order to relieve the stress that can accompany super-size mortgages; and, although some property professionals might try and portray the alternative of leaseholds as ‘ownership’, they are, of course, no such thing — particularly if they’re short duration.
Likewise the concept of ‘shared ownership’ frequently results in the occupier carrying all the obligations while the institutional ‘sharer’ takes the benefit of price movements without bearing any of those burdens: as a result, ‘shared ownership can feel more like a trap than bringing a sense of economic freedom.
Over thirty years ago, The Share Centre launched the Mail on Sunday Share Service, with the following encouragement to get involved:
‘SHARE (STOCK) OWNERSHIP - The essence of investment
Shares - at times they may delight you, at times confuse you, but very rarely will they fail to fire your imagination.
PEOPLE own shares for all sorts of reasons: almost always capital gain, either looking for the quick turn or the long-term, often for the interest in owning a share of British business, often because the charges are lower than other forms of investment. A share portfolio is indeed the essence of investment.
COMPANIES want people to own their shares too: personal investors take a wider interest in the company than investment institutions, and shareholder customers and employees build that interest into all areas of the company’s business.
It's good for our COUNTRY too that people should own their share of British business: share ownership knits a free enterprise economy together by bringing the power of ownership, the surge of the market, and the ingenuity of the workforce together under the same head’.
It was the start of a radical new approach to provide stock ownership for all, and The Share Centre went on to provide unprecedented access to participation through new issue distribution, providing free shares in its own business to its customers, being the first mover in a new all-employee share ownership plan, getting Company Law changed to enfranchise nominee shareowners, and providing a huge range of investment and financial education services for young people.
The link between ownership and responsibility is a vital component in this. When someone owns something, be it a house or a car, they generally care for it. If it's a house, the walls are painted, the garden brims with flowers; if it's a car, it's generally clean and well maintained.
And so it is with owning shares in a company. Every time an M&S share owner walks into Marks and Spencer, they feel a buzz of responsibility for the way it's run. Meanwhile, if customer stock owners are recognised with special offers or discounts, that sense of connection is strengthened further.
The need for dis-intermediation
But then there's excess intermediation. Of course, many people choose to pass control of their investments over to others, often because they don't have the time, the confidence or the knowledge to manage them directly. But stepping away from control should be a conscious decision by the owner, not an imposed decision which obscures access and transparency so that others can wield power. In financial services there are far too many examples of excess intermediation — fund management, pensions, life insurance, etc.. — and the absence of proper financial education simply exacerbates the process of keeping people in the dark about their own investments.
A few years ago, there was a wave of protest movements brought together by the word ‘Occupy’: a major camp took place just outside St Paul's Cathedral in London. Many saw it as simply a reaction to the 2008 financial crash, but it had still deeper roots. An hour or so spent in conversation with one protester in the camp just outside the financial district in Boston. Massachusetts helped in working through the issues behind their concerns, and that discussion concluded that ‘Occupy’ was really a call for disintermediation.
The financial sector has grown fat on the takings of the middleman, and people don't like it. Politicians respond by introducing layers of regulation, which impose still more complexity and cost. Regulators have made some progress in reducing the more opaque forms of self-enrichment, but centres of the financial world remain vibrant symbols of parasitic intermediation for all to see.
You can only empower people by democratising expertise, not by wrapping it up in ivory towers.
The free market embodies many perspectives: open competition, prices responding to supply and demand, enterprise and creativity - but also excess and self-interest. At its heart is the free ownership of capital - or is it so free? Because, to the extent that it is owned by individuals it is excessively concentrated and, to the extent that it is owned by institutions, it carries no meaning to the general public, no sense of ownership - and therefore no reason why people should feel responsible for its well-being.
Excess intermediation kills off that vital link between ownership and responsibility, whether it’s by financial institutions or the state. By concentrating the power to steer these great engines of economic growth away from the people that they serve and employ, we must expect that those people will eventually bite the hand of those who expropriate the power - whether they are financial institutions or socialist governments.
Over the past couple of decades, we’ve seen just such a concentration of power in financial markets, both in the US and the United Kingdom. In New York, there were 8,000 listed companies at the peak. Now there are fewer than 6,400 on NYSE and NASDAQ. London has seen a similar trend. Ten years ago there were more than 3,000 companies quoted on the main and junior markets. By 2022, the number had dropped to less than 2,000. The traditional public market for equities is now in global decline.
There are of course far-reaching consequences for markets and investors, but there is a deeper concern here too. The real casualty is popular support for the free market itself: because, if individuals are denied access to investing directly in stock, they can have no sense of ownership in, nor responsibility for, the great engines of industry which create wealth in such abundance.
This may help explain why this scale of intermediation drove the ‘Occupy’ protests, but the concentration of power has happened notwithstanding the generally healthy state of the world economy and the businesses that support it.
One of the main challenges is the success of private equity in providing an alternative to public markets. The rise of the buy-out industry means there are lots of alternatives for company owners who wish to sell. At the same time, a massive rise in regulation, and layer upon layer of governance codes, has made public listing a burden that many directors can no longer be bothered with.
Most investment institutions have benefitted from the rising proportion of asset allocation dedicated to private equity, and the strong performance it has achieved. These include pension funds - so individuals do share in their performance, if not in any sense of ownership. The great Family Offices, Sovereign Wealth funds, hedge funds and insurance companies are all investing in Private Equity. This is because they all share the benefits of size: they can invest in the large amounts that Private Equity managers are prepared to accept, whereas personal investors cannot.
Stock owner engagement
These examples of excess intermediation should not be confused with custodial administration using ‘bare trustees’. Advocates of registered share ownership often try to present this as intermediation, but it's nothing of the sort: rather, it enables the service organisation to be the owner’s agent rather than the agent of the stock-issuing corporate, and it helps to develop investment awareness, as a share portfolio builds and diversifies. It must, of course, be accompanied by full opportunity to exercise stockholder engagement: this process started in the UK with the Companies Act 2006 Part 9, but it needs further strengthening. We need to make the supply of company communications and voting access mandatory for all such regulated custodians.
Another key feature of participation is the right, together with other stock owners, to circularise others who own the stock, and to bring forward resolutions for consideration at a General Meeting. In the UK, company law still sets the threshold for this participation by reference to the nominal value of the shares, which bears no relevance whatsoever to their market value. So, whereas in one company the threshold may be measured in £millions, in others it could be a few pounds.
If ‘Stock for Data’, discussed in one of our other research areas, is introduced, it may well be on a custodial administration basis in order to provide a straightforward route to global coverage. Widespread stock ownership is a key objective for moving to a more egalitarian form of capitalism, but it needs to include the provision of financial awareness life skills to help build capability for looking after the asset and the income and its potential capital gain, and the risks associated with asset ownership — in other words, democratising expertise.
All this helps to foster active involvement in company governance, so that the sense of responsibility which comes with ownership breaks down the ‘us and them’ divisions in society.
.. and a word on the concept of ‘mutuals’ with respect to sense of ownership and distributed governance
True ownership involves control and possession of the asset, whether it be property or stock: that means retaining the ability to crystallise its value. There are many examples of participation which don't do this: in particular, co-operatives and mutuals speak of participation, but only while the individual remains an employee or a member. Businesses such as the John Lewis Partnership, building societies and friendly societies are typical examples of this: they present themselves as inclusive, but there is no monetary value in the participation of a capital nature.
It's for these reasons that ‘Stock for Data’ refers to stock issuance in return for data storage and harvesting, and the (disposable) stockholding should increase as the relationship moves forward from year to year.
Legal recognition of ownership rights
Ownership in any society is only as good as its recognition in law. Western democracies have centuries of experience in building property rights into their constitutions, and no doubt this is one of the key reasons why London has attracted so much investment over the years. But there are so many examples of property rights being trampled on, whether by political systems, by government dictact or unfair taxation, or by outright theft and destruction, as in the war in Ukraine.
If people are to have confidence in a sense of ownership and to build the responsibility that it engenders, they must know that acceptance of their property rights is sacrosant — and this confidence must extend globally. There is a lot to do in this respect.
Reversing systemic dilution of stock ownership
Further structural changes are needed to embed personal share ownership more effectively. There are some key improvements where change is required in order to recognise the major contribution that ownership, rather than trading, can bring in delivering participation in wealth creation for all. The media focuses so often on share-dealing and short-term price movements, but most investors are long-term holders. They are not day-traders or gamblers: they’ve invested for long-term growth accompanied by, where available, a regular flow of dividends.
For example, a major handicap for the personal stock ownership segment in a listed company is that every time there is a rights issue, raising more capital from existing stock owners, the proportion of personal investors holding the stock reduces sharply. Institutional investors strengthen their position, and financial intermediation turns the screw a little harder.
This is because, for institutions the ‘old’ and the ‘new’ money are held by the same entity — so pre-emption rights work in their favour. But for personal investors, the ‘old’ money currently belongs primarily to those who are disinvesting in old age: they often have no ‘new’ money to take up the nil-paid rights. However personal investors who do have that ‘new’ money but don't hold the ‘old’ stock are excluded from taking part by those same pre-emption rights.
In order to address this, it should be mandatory for the rump sell-off of nil-paid rights at the end of the ‘Call’ period to be offered to all personal investors (via their retail investment service), alongside the institutions. At least this would help reduce the dilution in personal investor holdings in listed companies every time they carry out a secondary capital raising via a rights issue.
This change would significantly raise the profile of personal stock ownership. It would be a significant step forward in moving to a more egalitarian form of capitalism, in which stock owner engagement, and protection against systemic dilution, are key features.
Many people think financial activity is more of a science; but when it comes to investment there’s no doubt that it is definitely an art, where there are no right or wrong answers and it's all down to subjective judgement.
The old saying about death and taxes could read ‘Risk, like tax, is always with us’. A few key points are as follows:
- Risk is a subjective judgement.
- Risk is relative, depending on, for example, how you approach that risk, the nature of the risk and even your age.
- Risk does not remain constant, but can change when external events change.
- What is considered more risky by some may be considered less risky by others.
- And lastly, there are some risks that only a professional should take.
Earning money by working is very different from trying to build value from capital gains on investment, and the key difference is real risk of loss of capital value. This needs to be taken into account in the tax system to encourage people to invest in risky assets like equity stocks as opposed to other alternative uses to which their money can be employed.
Risk is also significantly increased by leverage: the financing of asset purchase with debt. With the exception of derivatives (options and futures), this is not commonplace when buying stock investments: however, it is the norm when making a property purchase. Buying a flat or house is often seen as comparatively risk-free: the servicing costs may be heavy, but people don’t usually expect to lose capital value. However, an 80% loan-to-value mortgage magnifies the impact of price movements fourfold, so a significant fall in property prices can result in the risk of losing more than your initial investment: in other words, property purchase can be potentially more risky than buying stocks.
A couple of final notes on ..
It's also worth bearing in mind the compounding effect of interest costs and stock market dividend yields when looking at these long-term issues - the chart below shows the substantial compounding effect of dividends for FTSE-100 investments over the past twenty years, during which actual index values have hardly moved:
.. and Investment Clubs
A good way to help build awareness of stock investment is through membership of an investment club. This is a very simple concept: it’s just a group of people finding company and enjoyment in researching, discussing, selecting and investing in a portfolio of shares and funds. In the UK, it’s not a regulated activity, and it doesn’t have to be an incorporated company or any other formal body. It helps to have a simple written agreement between the members to ensure everyone shares fairly in any gains and losses, and they need to choose one of their number to control the account, although all members should be able to login and view what’s there, the valuations in the account and its underlying investments.
A typical investment club will have 5-10 members, but they come in all shapes and sizes. Some meet regularly in a local tavern, others communicate internationally by teleconferencing, some have particular expertise in different fields or businesses, some are just a group of close friends having fun: it’s also a great way for older folk to keep in touch. Whereas individuals on their own are often anxious about getting started with investing, the Investment helps to build each member’s confidence through teamwork and good companionship.
|
economics
|
http://w08.inf.elte.hu/english/vacancies/Lapok/FundraisingVentureCapitalrelationshipmanagercoveringCentralEasternEurope.aspx
| 2018-06-22T14:57:23 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267864546.30/warc/CC-MAIN-20180622143142-20180622163142-00234.warc.gz
| 0.885353 | 962 |
CC-MAIN-2018-26
|
webtext-fineweb__CC-MAIN-2018-26__0__55018864
|
en
|
EIT Digital seeks a Fundraising & Venture Capital relationship manager covering Central Eastern Europe
EIT Digital is a leading European open innovation organization. Our mission is to foster digital technology innovation and entrepreneurial talent for economic growth and quality of life in Europe. We bring together entrepreneurs from a partnership of over 130 top European corporations, SMEs, start-ups, universities and research institutes. EIT Digital invests in strategic areas to accelerate the market uptake of research-based digital technologies and to bring entrepreneurial talent and leadership to Europe. EIT Digital is consistently mobilizing talents, ideas, technologies, investments and business across Europe and beyond to stimulate disruptive digital innovation. The headquarter is in Brussels with co-location centers in Berlin, Eindhoven, London, Helsinki, Paris, Stockholm, Trento, as well as in Budapest and Madrid. EIT Digital’s mission is to turn these already excellent regional clusters into world-class innovation hotspots. Find out more about EIT Digital from http://www.eitdigital.eu
Within its Business Development Accelerator (BDA), EIT Digital is coaching more than 80 startups and scale-ups located across Europe and is supporting them in their fundraisings (Access to Finance). The purpose of this job is to develop this activity that supports the BDA startups, and consequently help them in their European expansion.
The Fundraising Manager will coordinate within the Access to Finance team (A2F) fundraisings for Eastern European (in Austria, Hungary, Czech Republic, Poland, Slovakia and Slovenia) startups looking for international expansion, as well as EU startups seeking financing from these regions. These start-ups are in general seeking to raise between 1 and 10m€. The Fundraising Manager will collaborate closely with the European A2F team, the European Business Developers, and especially with the head of the Business Development Accelerator (BDA). He/she will report to the Head of Access to Finance. This is a full-time position.
1. Engage with European startups coached within EIT Digital’s Business Accelerator in order to understand and fine-tune their financing needs (amount, timing, use of proceeds).
2. Work with the CEOs of startups to prepare and rehearse their pitch (to investors).
3. Review and comment the fundraising Pitches and Business Plans prepared by the start-ups.
4. Connect with Venture Capital firms and selected investors in the region.
5. Build up strong relationships within the Eastern-Europe Venture Capital ecosystem.
6. Organize and co-ordinate fundraisings in a variety of formats (e.g. face to face meetings, events, introductions) for the selected startups.
7. Negotiate fundraising term-sheets and financial agreements.
8. Collaborate with BDA team of EIT Digital to organize joint events.
Place of employment
EIT Digital Co-Location Center in Budapest: Hungary-1117, Budapest, Bogdánfy u. 10/a.
Regular travels are expected for this position.
- 4 to 10 years of experience in fundraising for startups or similar experience within Venture Capital firms
- University degree in Business, Engineering or Science
- Engineering degree with solid experience in finance are welcome
- Strong financial skills, especially on business plan preparation and fine-tuning
- Experience in financial analysis and start-up valuation
- Experience using tools used in the venture capital industry (databases, etc.)
- Prior experience in negotiating financial term-sheets
- Mastery of MS Office (Excel and Powerpoint are a must)
Competencies, Skills and Abilities
- Knowledge of the Eastern-European Venture Capital industry
- Superior presentation skills in English (verbal, written)
- Excellent ability to convey simple and effective value propositions and messages
- Strong team player in a pan-European context
Bilingual in either Hungarian, German, Slovak, Czech or Polish. Bilingual in English.
Knowledge of any of the following languages: German, Hungarian, German, Slovak, Czech, Polish Slovenian or Italian is an advantage.
If interested, please submit your application in English – motivation letter, detailed CV, photocopy of university degree(s), proof of relevant language skills, and a declaration by the applicant that she/he consents to the use of her/his personal data in the course of the selection process – before March 15th 2016 either electronically to [email protected] or by mail to ELTE Informatikai Kar Dékáni Hivatal, 1117 Budapest, Pázmány P. sétány 1/C.
|
economics
|
http://www.seemanfinancial.com/
| 2017-02-20T13:16:31 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501170562.59/warc/CC-MAIN-20170219104610-00382-ip-10-171-10-108.ec2.internal.warc.gz
| 0.954052 | 146 |
CC-MAIN-2017-09
|
webtext-fineweb__CC-MAIN-2017-09__0__165683013
|
en
|
We are committed to providing unbiased advice and prudent strategies for investing, tax and accounting services. Our accounting services are always tailored to your unique needs. We provide accounting services, tax preparation for both individuals and businesses, and financial planning and investing services.
Whether you’re a business or an individual, our staff is educated and qualified to help you with financial needs. We're located near Eau Claire, WI, but we serve clients throughout Wisconsin and Minnesota.
From payroll and accounting, to investment management and retirement planning, call us for your free consult on how our professionals can make a difference in your finances.
With unparalleled accounting services and investment management, we’re a complete, one stop financial services center.
|
economics
|
https://all-starpayroll.com/payroll-services-2/
| 2021-04-11T00:24:03 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038060603.10/warc/CC-MAIN-20210411000036-20210411030036-00383.warc.gz
| 0.923711 | 346 |
CC-MAIN-2021-17
|
webtext-fineweb__CC-MAIN-2021-17__0__161031973
|
en
|
Are you a “one-person show” or do you have 50 employees? Do your employees all work in Colorado, or are they in several states? Do you do your own payroll, or do you pay sub-contractors, and just need year end reporting? Whatever the case, our payroll service is designed to help make paying your employees easier.
- Payroll processing: Each pay period we give you the freedom to choose the method of submitting payroll data that works best for you (E-mail, Telephone, or Fax) and we will accurately calculate net pay. You then have a choice of how to make payments to your employees – ACH, direct deposit, printed check, or you can write a manual check.
- File reports and schedule payroll tax payments: Precisely calculate and schedule payments of all applicable payroll tax reports and taxes with the proper local, state, and federal agencies.
- Calculation of payroll garnishments: Correctly calculate and prioritizes garnishments and guide you on how to send the payment to the appropriate agency.
- New hire reporting: Report all new hires to the government on your behalf.
- Paid-time-off management: We will track how many vacation and sick hours employees have earned and how much they’ve used.
- Payroll compliance: We also stay on top of legislation affecting payroll compliance, so you don’t need to.
- Year end reporting: We process and file W2s, W3s (for payroll), 1096 forms, and 1099s (for sub-contractors or contract labor) at the end of the year with all the required federal government agencies.
|
economics
|
https://recordi.wixsite.com/ianrecord-consulting
| 2022-12-09T01:21:55 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711376.47/warc/CC-MAIN-20221209011720-20221209041720-00337.warc.gz
| 0.925199 | 727 |
CC-MAIN-2022-49
|
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|
en
|
Dedicating his career to informing, supporting, and advancing the effective exercise of tribal sovereignty and self-determination, Ian Record has worked with more than 100 Tribal Nations and First Nations in the United States and Canada over the past two decades, helping them to strengthen their governance systems and design and implement strategic initiatives that advance their long-term economic and community development priorities. He also has worked with a number of Native organizations and Indian Country partners to develop and implement projects designed to enhance tribal self-governance, capacity building, small business development, and asset building in tribal communities. The services that Ian provides include:
strategic plan development and implementation;
tribal governance and policy analysis (notably governance/constitutional reform, and citizenship/enrollment policy and criteria);
"477" workforce development plan and program development;
executive education on governance, economic development, and workforce development for tribal/organizational leaders;
cutting-edge research documenting and sharing trends and best practices in tribal governance and development;
federal and state policy analysis and advocacy; and
designing, writing, and editing speeches, research publications, policy briefs, and other materials.
Dr. Ian Record is a consultant with extensive expertise in tribal governance, economic and workforce development, constitutional reform, federal Indian policy, and related areas.
From 2014 to 2021, he served as Vice President of Tribal Governance and Special Projects at the National Congress of American Indians. In this capacity, he led NCAI’s efforts to develop, coordinate, and share the knowledge, tools, and resources that Tribal Nations and leaders need to strengthen their governance systems and more effectively exercise their sovereignty. He also served as a policy lead on tribal workforce and economic development, and oversaw several NCAI projects, including its Ending “Indian” Mascots Initiative, Tribal Climate Action Initiative, Tribal Food Sovereignty Advancement Initiative, and Building Tribal Economies Initiative.
From 2004 to 2014, Record served as Manager of Educational Resources for the Native Nations Institute for Leadership, Management, and Policy (NNI) at the University of Arizona. Dr. Record obtained his Ph.D. in American Indian Studies from the University of Arizona. Among his many publications is his award-winning book Big Sycamore Stands Alone: The Western Apaches, Aravaipa, and the Struggle for Place.
Sample Lectures and Executive Education Highlights (videos):
Clients served include:
Bois Forte Band of Chippewa
Forest County Potawatomi
Funders Together to End Homelessness
Inter Tribal Council of Arizona
National Center for American Indian Enterprise Development
National Indian and Native American Employment and Training Conference
National Indian Health Board
Native CDFI Network
Sioux Valley Dakota Nation
Squaxin Island Tribe
Ysleta del Sur Pueblo
Below are selected publications by Ian Record. For a full list, please click here.
The Biden Administration righted a tribal workforce development wrong (Indian Country Today)
Big Sycamore Stands Alone: The Western Apaches, Aravaipa, and the Struggle for Place (Winner, Southwest Book Award, 2009)
Toolkits and Case Studies:
Papers and Policy Briefs:
|
economics
|
https://censis.org.uk/censis_projects/tidal-turbine-collision-detection/
| 2024-04-16T12:50:57 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817095.3/warc/CC-MAIN-20240416124708-20240416154708-00527.warc.gz
| 0.945744 | 847 |
CC-MAIN-2024-18
|
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en
|
A new type of sensor could soon be installed on the blades of subsea tidal turbines to monitor the interaction between marine life and renewable energy installations, as a result of a new collaborative project involving the Offshore Renewable Energy (ORE) Catapult and CENSIS. The initiative is the first time the government-backed Catapults and Innovation Centres have worked together and the collaborative project explores how to cut costs and boost confidence in tidal energy projects.
The organisations’ research will aim to improve the monitoring of activity around subsea tidal installations and provide a warning when there is a risk of a collision with a tidal device. The project partners will assess whether sensor technology from other industries can be employed to detect, monitor and forewarn of potential collisions with tidal energy devices, or if a new sensor technology is needed.
Current monitoring processes can be very expensive, involving teams of watchers on the seashore and a mixture of subsea listening devices. Subsequently, the cost of subsea environmental monitoring can be substantial and inconclusive when it is difficult to confirm surface sightings with events beneath the waves.
Regulations stipulate that developers must analyse the environment around a proposed site for two years prior to installation, as well as during the construction phase and throughout the plant’s operation. This is likely to be at least 20-25 years.
Vicky Coy, Project Manager at ORE Catapukt, said: “Tidal energy is an emerging market with great export potential, which the UK has the potential to lead. We have some of the best tidal resources around the UK and are already at the forefront of industry research, leading in the design and demonstration of this technology. Scotland, in particular, has a number of rich tidal energy sites with the Pentland Firth and Orkney Waters among the greatest in the UK.
“Our primary concern is safety: the safety of both the natural environment in which we want to operate and of the equipment we want to install and use to generate energy. To achieve that, we must design reliable monitoring systems that confirm these systems can be comfortably integrated into the subsea environment. But, we also need to make the technology cost effective. Another aspect of this project is to simplify and reduce the costs from what is, in effect, the subsea equivalent of the planning process.
“Tidal energy developers tend to be small and medium-sized companies with limited resources, so any costs which can be removed at the same time as improving safety will be welcomed by the industry. We’ve had a lot of positive engagement from both the business and academic communities, and we’re looking to harness this support further when we move to the next stages of this initiative.”
There are a number of developments at various stages of the planning process in the tidal energy market. The first and most high profile of these is the MeyGen project located in the North of Scotland. It aims to deploy up to 398MW of offshore tidal stream turbines by the early 2020s.
Gavin Burrows, Project Manager at CENSIS, said: “We’re working with a number of organisations to articulate the needs for a sensor system with the appropriate sensitivities – one that can provide evidence of how marine mammals behave near tidal turbines and also determine what exactly has impacted on a particular asset, should a collision occur. It’s most likely that sensors, whether these are brought in from another industry or developed specifically for this purpose, will be built into the blades of subsea turbines. This could have applications in a range of other offshore devices, not just in the tidal energy market.
“There is significant potential for us to export the skills and expertise we’ll be developing as part of this project – particularly as we move into the demonstration and commercialisation phases. Likewise, researchers will have access to new and hitherto untapped data, giving them the opportunity to accelerate the industry. The potential is there for our academic and business communities to take further leaps forward in the tidal energy market – our aim is to make this happen and create economic value out of the research for Scotland.”
|
economics
|
https://ushville.com/horse-leasing-near-you
| 2023-05-29T13:09:32 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644855.6/warc/CC-MAIN-20230529105815-20230529135815-00420.warc.gz
| 0.952409 | 6,613 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__26622721
|
en
|
If you are a horse lover but do not have the resources to buy one, horse leasing might be the perfect option for you. Horse leasing is a great way to enjoy the perks of horse ownership without the high expenses of buying and maintaining a horse. In this article, we’ll explore everything you need to know about horse leasing and how to find the best horse leasing options near you.
🐎 What is Horse Leasing?
Horse leasing is an arrangement where the owner of the horse leases the horse to an individual or group for a set period of time. The horse lessee typically pays a monthly fee to the owner for the use of the horse. In most cases, the lessee is responsible for the horse’s care, including feeding, grooming, and veterinary care. Leasing a horse can be a great way to get more involved in the equestrian community without the expense and commitment of owning a horse.
🐴 Benefits of Horse Leasing
Horse leasing offers several benefits, including:
- 🐴 Lower costs compared to buying a horse
- 🐴 The opportunity to ride and care for a horse without owning one
- 🐴 Flexibility to choose the type of horse you want to lease
- 🐴 The ability to participate in shows and events without owning a horse
- 🐴 The chance to build a strong relationship with a horse
🔍 Types of Horse Leases
There are several types of horse leases, each with its own terms and conditions. The most common types of horse leases include:
🐴 Full Lease: In a full lease, the lessee has full access and control of the horse, including all riding and training. The lessee is responsible for all expenses related to the horse’s care, including feed, veterinary care, and board.
🐴 Half Lease: In a half lease, two individuals share the responsibility of caring for the horse. The lessee typically pays half of the horse’s expenses and has access to the horse for a set number of days each week.
🐴 Quarter Lease: In a quarter lease, four individuals share the responsibility of caring for the horse. The lessee typically pays a quarter of the horse’s expenses and has access to the horse for a set number of days each month.
🐴 What is a Full Lease on a Horse?
If you’re interested in riding horses but don’t have the resources to own one, horse leasing may be a great option for you. Leasing a horse means that you are paying to use someone else’s horse for a certain period of time, usually a month or more. One type of lease is a full lease, which gives you exclusive access to the horse for the duration of the lease. In this article, we’ll cover what a full lease is and some things to consider before signing a lease agreement.
A full lease on a horse is a lease where you have exclusive access to the horse for a certain period of time. This means that you are responsible for all of the horse’s expenses, including board, feed, and veterinary care, as well as any training or lessons you may want to take with the horse. With a full lease, you essentially take on the role of an owner for the duration of the lease.
What are the Benefits of a Full Lease? 🤩
1. More Time with the Horse 🕰️
With a full lease, you have exclusive access to the horse for the duration of the lease. This means that you can spend more time with the horse, getting to know their personality and building a stronger bond. If you’re someone who loves spending time with horses, a full lease can be a great way to do that without the commitment of ownership.
2. Improved Riding Skills
When you have more time with a horse, you have more opportunities to work on your riding skills. With a full lease, you can ride the same horse consistently, which allows you to develop a deeper understanding of their movements and behaviors. This can help you become a better rider overall.
3. Financial Benefits 💰
Owning a horse is a significant financial commitment. With a full lease, you don’t have to worry about the upfront costs of purchasing a horse or the ongoing expenses of boarding, feed, and veterinary care. Instead, you pay a monthly fee to lease the horse and cover their expenses during the lease period.
What are the Drawbacks of a Full Lease? 😔
1. Responsibility 🙇
While a full lease gives you more time with a horse, it also comes with more responsibility. You are responsible for all of the horse’s expenses, including board, feed, and veterinary care. You are also responsible for any training or lessons you want to take with the horse. If you’re not prepared to take on this level of responsibility, a full lease may not be the best option for you.
2. Risk 🤕
When you lease a horse, you are assuming some level of risk. While you may have the opportunity to ride the horse before signing a lease agreement, there is always a chance that the horse may not be the right fit for you. Additionally, if the horse gets injured or sick during the lease period, you may be responsible for the veterinary bills.
Where Can I Find Full Lease Opportunities? 🔍
If you’re interested in a full lease, you can start by contacting local barns or trainers in your area. They may have horses available for lease or be able to connect you with someone who does. You can also check online marketplaces such as Equine.com or DreamHorse.com for full lease opportunities.
A full lease on a horse can be a great option for someone who wants more time with a horse without the financial commitment of ownership. With a full lease, you have exclusive access to the horse for a certain period of time, which allows you to develop a stronger bond and improve your riding skills. However, a full lease also comes with added
🐴 What is a Half Lease on a Horse?
If you’re an equestrian enthusiast, you know that owning a horse can be an expensive and time-consuming endeavor. That’s why many horse lovers turn to leasing. Leasing a horse allows you to enjoy the pleasures of horseback riding without having to purchase and care for a horse. There are several types of horse leases available, including full, partial, quarter, and half leases. In this article, we will discuss half leases on horses.
A half lease is a type of horse lease that involves sharing a horse with another person. The lease agreement typically splits the costs of horse ownership, such as board, feed, and veterinary care, between the two parties. The lessee, or the person leasing the horse, has access to the horse for a certain number of days per week, usually three to four. The other half of the week, the horse is used by the other party involved in the lease agreement.
🤔 Why Consider a Half Lease?
There are several reasons why a half lease might be the right option for you:
- Financial considerations: Owning a horse can be expensive. By splitting the costs of horse ownership, a half lease can be a more affordable option.
- Time constraints: Many equestrians have busy schedules and can’t commit to riding every day. A half lease allows you to enjoy horseback riding without having to make a daily time commitment.
- Sharing the experience: Half leases can be a great way to share the joys of horseback riding with another person. You and your co-lessee can learn from each other, share tips and advice, and enjoy the experience together.
📝 What is Included in a Half Lease Agreement?
Half lease agreements can vary, but they typically include:
- The number of days per week the lessee has access to the horse
- The days of the week the lessee can ride
- The responsibilities of each party involved in the lease agreement
- The costs associated with horse ownership, such as board, feed, and veterinary care
- The duration of the lease agreement
Who is Responsible for What in a Half Lease Agreement?
Half lease agreements typically specify the responsibilities of each party involved in the lease. Here are some examples of the responsibilities that may be included in a half lease agreement:
- Lessee: The lessee is responsible for caring for the horse on the days they have access to it. This may include feeding, grooming, and exercising the horse. The lessee may also be responsible for paying for a portion of the horse’s board, feed, and veterinary care.
- Lessor: The lessor is responsible for caring for the horse on the days the lessee does not have access to it. This includes feeding, grooming, and exercising the horse. The lessor may also be responsible for paying for a portion of the horse’s board, feed, and veterinary care.
- Shared responsibilities: Some responsibilities may be shared between the lessee and lessor. For example, both parties may be responsible for scheduling farrier and veterinary appointments.
📝 What Should You Look for in a Half Lease Agreement?
When considering a half lease agreement, there are several important factors to keep in mind:
- Cost: Make sure you understand the costs associated with the half lease, including board, feed, and veterinary care.
- Riding time: Ensure the riding schedule works for you and that you will have enough time with the horse to meet your goals.
- Responsibilities: Understand the responsibilities of each party involved in the lease agreement.
- Duration: Make sure the duration of the lease agreement works
🐎 Advantages and Disadvantages of a Half Lease
A half lease can be an excellent option for riders who want to have more time with a horse without the full financial commitment of ownership. However, it is important to consider both the advantages and disadvantages before committing to a half lease.
- More time with the horse: Half leases offer riders the opportunity to ride and spend time with a horse more frequently than if they were only taking lessons or riding occasionally.
- Shared expenses: With a half lease, the expenses of caring for the horse are shared between the owner and the lessee, which can be more affordable for both parties.
- Potential for a deeper connection: Because the lessee is spending more time with the horse, there is a greater opportunity to develop a strong connection and bond with the animal.
- Less control: Because the horse is still owned by someone else, the lessee may have less control over the horse’s training, care, and management.
- Scheduling conflicts: Sharing a horse with another person means coordinating schedules, which can be challenging if both parties have busy lives.
- Financial risk: If the owner decides to sell the horse during the half lease term, the lessee may be left without a horse to ride.
🐎 Finding a Half Lease
If you are interested in a half lease, there are a few ways to find one. One option is to reach out to local stables or barns and ask if they have any horses available for half lease. You can also search online for classified ads or horse leasing websites.
When searching for a half lease, it is important to consider factors such as location, cost, and the horse’s level of training and suitability for your riding ability. You should also take the time to meet with the horse’s owner and discuss expectations, responsibilities, and any rules or guidelines for the half lease arrangement.
🐎 Tips for a Successful Half Lease
If you do decide to pursue a half lease, there are several things you can do to ensure a successful and positive experience for both you and the horse’s owner:
- Communicate clearly and often: Make sure you have open and honest communication with the horse’s owner regarding scheduling, care, and any issues that may arise.
- Follow the guidelines set by the horse’s owner: Be respectful of the horse’s owner and any rules or guidelines they have set for the half lease.
- Treat the horse as if it were your own: Take care of the horse as if it were your own, and ensure that its needs are being met both during and outside of your riding time.
- Stay organized: Keep track of any expenses, scheduling changes, or other important information related to the half lease.
- Enjoy the experience: Above all, remember that a half lease is an opportunity to spend more time with a horse and improve your riding skills, so enjoy the experience and make the most of your time with the horse.
🐴 What is a Quarter Lease on a Horse? 🐎
If you’re someone who loves horse riding but cannot afford to own a horse or pay for full-time boarding, then leasing a horse may be the perfect solution for you. Leasing a horse is an arrangement where the horse’s owner allows you to ride and take care of the horse in exchange for a monthly fee.
However, not everyone needs or wants to ride a horse full-time, and that’s where a quarter lease comes in. In this article, we will take a closer look at what a quarter lease is, what it entails, and how it works.
A quarter lease is a type of horse leasing agreement where the lessee (you) has access to the horse for a quarter of the time each week. In most cases, the quarter lease involves riding the horse for one or two days per week, and the remaining time is left to the owner or other lessees.
How Does a Quarter Lease Work?
The terms of a quarter lease agreement may vary depending on the owner’s preferences and the specific horse involved. In general, a quarter lease may include the following:
- A set number of days per week or month that the lessee can ride the horse
- A specific time frame for the lease, such as three or six months
- A monthly fee that covers the horse’s care, including food, shelter, and veterinary expenses
- A requirement for the lessee to take care of the horse on the days they ride, such as grooming and tacking up
- An agreement on who is responsible for certain expenses, such as farrier or dental care
It’s important to note that a quarter lease is a legal agreement, and it’s essential to have a written contract outlining the terms and conditions of the lease to avoid any misunderstandings or disputes.
Advantages of a Quarter Lease
A quarter lease can offer several benefits for both the lessee and the horse owner, including:
Quarter leasing a horse can be more affordable than full-time leasing or owning a horse, as the lessee only pays a portion of the horse’s expenses. This makes it an excellent option for riders who are on a tight budget.
Quarter leasing a horse can offer more flexibility in terms of scheduling and riding frequency. Unlike full-time leases or horse ownership, a quarter lease allows riders to have access to a horse without the pressure of committing to a strict riding schedule.
3. Opportunity to Build a Relationship
A quarter lease can also provide an opportunity for the lessee to build a relationship with the horse over time. By spending regular time with the horse, the rider can develop a bond and understanding of the horse’s personality and preferences.
Disadvantages of a Quarter Lease
While there are many advantages to a quarter lease, there are also some potential downsides, including:
1. Limited Riding Time
With a quarter lease, the lessee only has access to the horse for a limited time each week, which may not be enough for some riders. Those looking to compete in shows or engage in intensive training may find a quarter lease to be insufficient.
2. Limited Control
Since the horse is not owned by the lessee, they have limited control over the horse’s care and training. Any major decisions regarding the horse, such as medical treatments or changes in training, must be made by the owner.
3. Risk of Injuries or Illness
Just like with any horse-related activity, there is always a risk of injury or illness. It’s important to ensure that the horse being leased is healthy and well-cared for to reduce the risk of accidents or health issues.
🐴 Where to Find Horse Leasing Near You
Now that you know the benefits and types of horse leases, the next step is finding the best horse leasing options near you. Here are some tips to help you get started:
🐴 Search Online: The internet is a great place to start your search for horse leasing options near you. Check out online classifieds, horse forums, and social media groups to find horse owners and trainers in your area who may be offering horse leasing.
🐴 Ask Local Horse Trainers: Reach out to local horse trainers and riding instructors to see if they offer horse leasing programs. They may have horses available for lease or know of other trainers in the area who do.
🐴 Check Local Equestrian Centers: Many equestrian centers offer horse leasing programs. Check out your local equestrian center to see if they have any horses available for lease.
🐴 Attend Local Horse Shows: Attend local horse shows and events to meet other horse owners and trainers who may be offering horse leasing. This is also a great opportunity to network and learn more about the equestrian community in your area.
🐎 Does Leasing a Horse Make Sense? 🤔
Owning a horse is a dream for many, but it can be a huge commitment of time, money, and energy. Between the cost of feed, boarding, vet bills, and equipment, owning a horse can quickly add up. That’s where horse leasing comes in as a more practical alternative. Leasing a horse means you have access to a horse without the full-time commitment and financial investment of owning one. In this blog post, we’ll explore the advantages and disadvantages of leasing a horse and help you decide if it’s the right choice for you.
Advantages of Leasing a Horse 🌟
1. Cost-Effective 💰
One of the main advantages of leasing a horse is that it can be more cost-effective than owning one. When you lease a horse, you typically pay a monthly fee that covers the horse’s care, including feed, boarding, and other necessary expenses. This can be a great option for those who want to ride and spend time with horses without breaking the bank.
2. Flexible Commitment ⏰
Leasing a horse offers more flexibility than owning one. You can choose to lease a horse for a short or long-term period, which can be perfect if you’re not ready to make a long-term commitment. It can also be a good option if you’re not sure if horse ownership is for you.
3. Experience Different Breeds and Disciplines 🏇
Leasing a horse can be a great opportunity to try out different breeds and disciplines without the long-term commitment of owning. You can gain experience in different areas of horse riding and care without the need to purchase different horses or travel to different stables.
When you lease a horse, you typically share the responsibility of caring for the horse with the owner or other leaseholders. This can be beneficial for those who want to learn more about horse care and management without taking on the full responsibility of ownership.
Disadvantages of Leasing a Horse 👎
1. Lack of Control 🚫
One of the biggest disadvantages of leasing a horse is that you may have less control over the horse’s care and training. The owner or trainer may have their own methods and training philosophies that don’t align with your own.
2. Limited Access 🙅♀️
When you lease a horse, you may have limited access to the horse, especially if there are other leaseholders. This can make it challenging to establish a strong bond and connection with the horse.
3. No Equity 🤷♀️
Unlike owning a horse, leasing a horse doesn’t provide any equity. You won’t have any ownership stake in the horse and won’t be able to sell it for a profit in the future.
4. Liability 🚨
Leasing a horse can come with liability concerns. If you or the horse are involved in an accident, you could be held liable for any damages or injuries. Make sure to clarify the liability agreement with the owner or stable before signing any lease agreement.
🐎 Is Leasing a Horse Right for You? 🤔
Leasing a horse is a great way to experience horse ownership without the long-term commitment and expenses of buying a horse outright. However, it’s important to consider whether leasing is the right option for you. In this article, we will discuss the pros and cons of horse leasing and help you determine whether it’s the best choice for you and your lifestyle.
💰 Pros of Leasing a Horse
1. Lower Financial Commitment
One of the biggest advantages of horse leasing is the reduced financial commitment. With leasing, you do not have to pay the full purchase price of the horse or cover all of the expenses associated with horse ownership, such as boarding, feed, and veterinary care.
Leasing provides flexibility that owning a horse does not. You can choose the length of the lease and the number of days per week you want to ride the horse. Additionally, if you need to move or your circumstances change, you can end the lease at any time without having to sell the horse.
3. Trial Period
Leasing is a great way to test the waters of horse ownership. It allows you to try out horse ownership without committing to a long-term purchase. You can learn about the responsibilities of horse care and management and decide if owning a horse is right for you.
4. Access to High-Quality Horses
Leasing can provide access to high-quality horses that may be outside your budget if you were to purchase a horse outright. It’s a great way to experience different breeds, disciplines, and personalities of horses.
🤕 Cons of Leasing a Horse
1. Limited Control
One of the biggest drawbacks of leasing a horse is the limited control over the horse’s care and management. As a lessee, you may not have control over the horse’s feed, turnout schedule, or veterinary care. Additionally, the owner may have certain requirements for the horse’s training, competition schedule, or other activities.
2. Lack of Ownership
With leasing, you do not own the horse, so you do not have the same emotional connection or investment in the horse as you would if you were the owner. Additionally, you may not be able to make certain decisions regarding the horse’s care and management.
3. Risk of Injury or Illness
Horse ownership carries certain risks, including the risk of injury or illness to the horse. As a lessee, you may not have control over the horse’s environment, which can increase the risk of injury or illness.
4. Financial Burden
While leasing is generally less expensive than buying a horse outright, it still requires a financial commitment. You will be responsible for paying for boarding, feed, and veterinary care, in addition to the lease fee.
🐴 How much does it cost to lease a horse?
Leasing a horse can be a great way to experience horse ownership without the long-term commitment and financial responsibility of purchasing a horse outright. However, it’s important to understand the costs involved before committing to a lease. In this article, we will explore the various expenses associated with leasing a horse and provide you with a better understanding of how much it might cost.
🏷️ Upfront Costs
The upfront costs associated with leasing a horse can vary greatly depending on the terms of the lease agreement. Here are some of the most common upfront costs you may encounter:
1. Lease Fee
The lease fee is the amount you will pay to the owner of the horse for the right to ride and care for the horse during the lease period. The lease fee can vary greatly depending on the value of the horse, the length of the lease, and the terms of the agreement. Generally, the lease fee is paid upfront and may be a one-time payment or a monthly fee.
2. Security Deposit
In some cases, the owner of the horse may require a security deposit to ensure that the horse is returned in the same condition it was in at the start of the lease. The security deposit can vary depending on the value of the horse and the length of the lease. The security deposit is typically refunded at the end of the lease period if the horse is returned in good condition.
It is important to insure the horse during the lease period to protect both you and the owner of the horse in case of injury, illness, or other unforeseen circumstances. The cost of insurance can vary depending on the value of the horse and the level of coverage required.
📈 Ongoing Costs
In addition to the upfront costs associated with leasing a horse, there are also ongoing costs that must be considered. Here are some of the most common ongoing costs:
Unless you own your own land and can keep the horse on your property, you will need to pay for boarding at a stable or equestrian center. The cost of boarding can vary greatly depending on the location, the facilities, and the services provided. Boarding fees may be included in the lease agreement or may be paid separately.
2. Feed and Bedding
You will need to provide feed and bedding for the horse during the lease period. The cost of feed and bedding can vary depending on the type of feed and bedding used and the size and dietary needs of the horse.
3. Farrier and Veterinary Care
You will be responsible for the cost of routine farrier care, such as hoof trimming and shoeing, as well as veterinary care, such as vaccinations and check-ups. The cost of farrier and veterinary care can vary greatly depending on the location and the specific needs of the horse.
4. Equipment and Supplies
You will need to provide your own riding equipment, such as a helmet, boots, and riding pants, as well as supplies such as grooming tools, tack, and blankets. The cost of equipment and supplies can vary depending on the quality and quantity required.
💰 Total Cost
The total cost of leasing a horse will depend on the specific terms of the lease agreement and the ongoing expenses incurred. However, to give you a general idea of the cost, here is an example:
Suppose you lease a horse for one year at a monthly lease fee of $500. You also pay a security deposit of $1,000, insurance of $1,200, and boarding fees of $600 per month. You provide your own feed and bedding at a cost of $200 per month and spend an average of $150 per month on farrier and veterinary care. You also spend $1,000 on equipment and supplies at the start of the lease.
🐴 Browse or Post Horse Leasing Classifieds 🐴
Horse leasing is a popular option for riders who cannot afford to buy their own horse, or for those who do not want to commit to owning a horse. Leasing a horse can give riders the opportunity to bond with and ride a horse on a regular basis without the full responsibility and costs of ownership.
If you are looking to lease a horse or have a horse that you would like to lease out, classifieds can be a great resource. In this article, we will explore the benefits of browsing or posting horse leasing classifieds and provide tips on how to make the most of this resource.
Benefits of Browsing Horse Leasing Classifieds
🌟 Wide Range of Options
Browsing horse leasing classifieds can provide you with a wide range of options to choose from. You can find horses of different breeds, ages, and skill levels. You can also find horses available for different lease lengths and prices.
🌟 Opportunity to Meet New People
Browsing horse leasing classifieds can give you the opportunity to meet new people who share your love for horses. You can meet other riders who are looking to lease horses or horse owners who are looking to lease out their horses.
Leasing a horse can be a cost-effective option for riders who do not have the financial means to purchase their own horse. Classifieds can provide you with options for leasing horses at a lower cost than buying a horse outright.
🌟 No Long-Term Commitment
Leasing a horse can give you the opportunity to ride and bond with a horse without the long-term commitment and costs of ownership. If you are unsure about committing to horse ownership, leasing a horse can be a great option.
Benefits of Posting Horse Leasing Classifieds
🌟 Reach a Wide Audience
Posting horse leasing classifieds can help you reach a wide audience of potential leasers. You can reach riders who are actively searching for horses to lease and those who may be considering leasing a horse.
🌟 Control over Lease Terms
When you post a horse leasing classified, you have control over the terms of the lease. You can specify the lease length, the price, and any other requirements or conditions for the lease.
🌟 Secure and Safe
Posting horse leasing classifieds on a reputable website can be a secure and safe way to find potential leasers. Most classified websites have systems in place to protect both the horse owner and the leaser.
Tips for Browsing or Posting Horse Leasing Classifieds
Whether you are browsing or posting horse leasing classifieds, there are some tips that can help you make the most of this resource.
🐴 Be Specific
If you are posting a horse leasing classified, be specific about the terms of the lease, the horse’s age, breed, and skill level. If you are browsing horse leasing classifieds, be specific about your needs and requirements for the horse lease.
🐴 Ask for References
If you are a potential leaser, ask for references from the horse owner. This can help you ensure that the horse owner is reputable and that the horse is in good condition.
🐴 Visit the Horse
If possible, visit the horse before entering into a lease agreement. This can give you the opportunity to meet the horse and assess its temperament and health.
🐴 Have a Written Agreement
Whether you are a horse owner or a leaser, it is important to have a written lease agreement. This can help ensure that both parties are aware of the terms of the lease and can help prevent any misunderstandings or disagreements.
Horse leasing can be an excellent way to enjoy the benefits of horse ownership without the high expenses and commitment of buying a horse. By understanding the different types of horse leases and where to find them, you can find the best horse leasing options near you. Whether you’re an experienced rider or just starting, horse leasing can be a great
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economics
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https://www.sats.co/team
| 2023-05-30T17:40:46 |
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| 0.969326 | 273 |
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en
|
Two and a half years ago my co-founders and I watched the pandemic reveal how unfair the world of money is.
We saw small business owners who could not import goods from abroad because people wouldn't take their money. We saw parents struggle to pay for their children's tuition because they couldn't find FX. And, we saw our family and friends lose half their savings because of devaluation... even though they didn't do anything wrong.
We started Sats because we don't want this to happen again. At Sats, we are building technology so anyone can save, spend, or earn money in any currency that they want.
This month, we have taken our first step to making this a reality.
Our mobile wallet allows you to save your Naira in digital dollars, safe from Inflation. You can withdraw your money anytime you’d like, giving you full control over your money. In the future, you will be able to use your Sats wallet to send digital dollars abroad or pay for services online.
Our goal is to help people around the world secure their financial futures and improve their quality of life.
|
economics
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https://www.kibworthantiquescentre.co.uk/tv-all-the-way/
| 2024-02-21T17:59:51 |
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en
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Little did we know when we first opened the doors of Kibworth Antique Centre in Kibworth, Leicestershire, back in 2012 that we would appear on national TV, and not just once, but three times!
Being passionate about all things antique and collectable, we’ve always been huge fans of the Antiques Road Trip programme – I’m sure many of you are too, but for those who haven’t seen it, the programme involves two celebrity antique experts and a selection of vintage cars and visits to auction rooms in some of England’s most picturesque towns and villages. The idea is that two experts compete against each with a budget of £200 to buy antiques and collectables which are then sold at auction for hopefully a profit; profits they make after each auction and costs have been deducted are used as their budget for the next leg of their journey. There are 5 legs, each leg forming one programme, and the winner is the expert who makes the most profit at the end of the final leg.
Kibworth Antiques Centre has been featured on the Antiques Road Trip three times in the last two years and we’ve been thrilled to have been visited by Charlie Ross,Thomas Plant and Mark Stacey. Being featured on the Antiques Road Trip was amazing fun and of course has obviously been a wonderful promotional opportunity for the Centre. On each occasion, in the spirit of the programme, all the items were taken to various auction houses in the hope of making a profit for the experts’ various charities.
As well as being featured on the Antiques Road Trip, I was invited to be on Radio Leicester’s Sunday programme ‘Clueless’.
Earlier this year I was invited to be on Radio Leicester’s Programme “Clueless” – a long running clue-based treasure hunt around Leicestershire. The programme features Leicester born and bred Tony Wadsworth in the studio and Julie Mayer out and about in the radio car. It’s a fun programme played out every Sunday morning on Radio Leicester.
We could get used to this celebrity life!
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economics
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https://www.jungwoojin.org/about
| 2023-10-01T22:48:59 |
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Assistant Professor; Rutgers, The State University of New Jersey
Core Faculty; Global Health Institute at Rutgers
Editorial Board Member of the Korean Association for Public Administration
Ph.D., UC Berkeley;
MSW, Washington University in St. Louis;
MPP, Harvard University
Dr. Jung's primary field of study lies at the intersection of global poverty, socioeconomic development, and data science. The overarching goal of Dr. Jung's research is to impact the approaches to characterize global poverty and shape global/social transfers in resource-constrained settings. Trained as a social welfare scholar, policy analyst, and development engineer, her research is motivated by the desire to inform effective anti-poverty interventions. Dr. Jung's scholarship centers on three main areas for generating questions:
Poverty measurement on a global scale
The relevance of community development in response to regional poverty
Informing the design of social welfare policies
As a publicly engaging scholar, she assists key development institutions in designing social protection policies and programs. The global economic and health risks highlight the need for efficient and systematic targeting to reach the most vulnerable populations. To address this issue, her recent work in Southeast Asia and Sub-Saharan Africa aims to generate robust wealth metrics at a granular level. Her studies leverage features from new data sources, such as satellite imagery and social media, which is extracted and analyzed by artificial intelligence (AI)/ machine learning (ML) techniques at a policy-relevant spatial unit.
Dr. Jung's current projects are funded by Microsoft's AI for Humanitarian Action and received data support from Google, Twitter, and Planet Scope. She serves as PI for studies in the Republic of the Congo and Zambia. Dr. Jung works via a tripartition collaboration between governments, including the Ministry of Community Development and Social Services in Zambia, and the Institut Géographique National in Congo; international organizations, such as the World Food Programme; and non-government organizations, such as Innovations for Poverty Action. Learn more about Dr. Jung's work in the Republic of Congo and her project in Zambia.
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economics
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https://www.noma.or.jp/english/tabid/261/Default.aspx
| 2024-04-14T17:10:49 |
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| 0.947167 | 146 |
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Since its establishment in 1949, Nippon Omni-Management Association has been focused on the modernization of management and the improvement of business efficiency.
We have the management philosophy of "The innovation of business and office management, the creation of social property, also the creation of new intellectual value". We continuously contribute to the social and economic development, and our affluent society.
We are based on the understanding of the importance to deepen and nurture the connection between economic activity and society, in addition to the importance of “Office Management” and “Business efficiency”.
We continuously work to fulfill the mission to contribute for a public benefit, by developing our activities which pursue the synergy among Management, Society and Human being.
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economics
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https://www.saguenaymarine.com/en/financing/
| 2023-02-01T14:19:16 |
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|
Are you looking for reliable and affordable financing in the Saguenay-Lac-Saint-Jean region? Do you have bad credit but want to treat yourself to a boat or motorsports vehicle? Saguenay Marine in Jonquière is here to help you out.
Thanks to our vast network of financial partners, we are able to provide you with the best financing options for an ATV, a motorcycle, a snowmobile, a boat or any other of our new or used products. In addition, doing business with Saguenay Marine is much more advantageous for you than going through a bank:
- We offer a fixed rate while a financial institution will offer a variable rate that can therefore change at any time.
- We offer financing for used vehicles while banks refuse (especially if the vehicle is more than 10 years old).
- We have access to manufacturers’ financing programs and advantages with the same very advantageous guarantees.
- We offer warranty extensions (up to 6 extra years) which give you peace of mind, especially for boats and snowmobiles that have particularly capricious engines that tend to break down after a certain time. With our warranty, you won’t have to cover those big costs ($5,000 to $6,000 to replace a motor).
If you have any questions regarding our financing, contact us! Our specialists will answer you without problems.
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economics
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https://adaric.pics/article/halal-trading-2024-guide-to-islamic-trading
| 2024-04-16T23:49:17 |
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Is online trading Halal or Haram, and is there such as thing as anIslamic trading account on the financial markets? With one-quarter of the world being Muslim and the development of online trading, the question of where intraday trading fits in with Islamic law is increasingly being asked. This guide will consider numerous viewpoints and sources in order to answer whether day trading is halal or haram. It will break down forex, stocks and binary options in particular, and try to offer guidance on how to stay halal.
- The line between permitted and non-permitted trading activities in Islam is often blurred.
- Trading stocks and forex can be halal if done correctly.
- Halal brokers offer trading accounts that aim to comply with Islamic principles.
- These include the immediate execution of trades, immediate settlement of transaction costs and zero interest rates on trades.
- Halal trading accounts are also known as ‘swap-free accounts’.
Best Halal Brokers
These are the top 3 brokers with Islamic trading accounts in Italy:
74-89 % of retail investor accounts lose money when trading CFDs
See all Halal Brokers With Islamic Accounts
Is Day Trading Halal?
Islamic principles govern many aspects of a Muslim’s life, from social to economic matters. All of which are outlined in the Koran and by Sharia Law, which quite literally means ‘pathway to be followed.’ When it comes to day trading though, black and white lines can quickly become grey.
One of the biggest concerns centres around the risk sharing element. An element which is regulated through principles such as Bai’ al ‘inah (sale and buy-back agreement), Bai salam, Mudarabah (profit sharing), Bai’ muajjal (credit sale), Bai’ bithaman ajil (deferred payment sale), Murabahah and Musawamah.
Please note that this site is not a religious authority on the subject of Islamic day trading. If you want to be certain that your trading activities are Halal, we recommend that you consult with a religious authority that can consider your individual situation.
There will probably always be a divide in opinion as to whether day trading is halal or haram. It must also be noted that despite in-depth research into numerous sources, this page is not trying to offer readers religious advice. Instead, it looks to collate viewpoints and present them in an easy-to-digest format.
While there certainly remains a substantial number of people who conclude Islamic day trading is halal, perhaps the best steps you can take are to choose your broker carefully and evaluate your trade decisions with the parameters of halal in mind.
It is generally accepted that buying stocks is not haram. This is because you are simply owning a percentage in a business. However, you do need to be sure the company in question is not dealing in a un-Islamic manner. Companies like Guinness (alcohol) and Ladbrokes (gambling), for example, would not be allowed.
You can break down companies form an Islamic perspective into three categories:
- Shares from permissible practices – Shipping, manufacturing, clothing, medical equipment, real estate, tools, furniture, supplies and so on are all free from haram practices or transactions, such as cheating and borrowing on the basis of riba (unjustified lending). These companies are also known as ‘clean’ companies.
- Shares based on prohibited practices – Any company that deals in tourism, alcohol, hotels, nightclubs, p*rnographic materials, riba-based banks, commercial insurance companies, etc, is not permissible. In these circ*mstances the stock market is haram.
- Shares based on partly haram practices – Whilst the majority of the work may be permissible, some practices are haram. Transportation companies, for example, hold interest based-bank accounts and are often financed by riba-based loans, or individuals through stocks. These types of companies are known as ‘mixed’ companies.
So, what do you do if the company deals in goods and services that do not agree with Islamic law?
You do not invest. If you want to avoid any potential conflict the easiest decision is to avoid buying and selling shares in the stock at all. Having said that, there remains some wriggle room. In some cases, you may still be able to trade and remain halal.
Most Scholars are in agreement that if the company only deals in a fraction of un-Islamic goods and services then you may still invest. It is suggested that you simply give away the percentage of the profits that are created by the haram section of the business. So, if 10% of the company’s profits stem from alcohol, you’d donate 10% of your profits to a charity.
The other major area of concern centres around interest. You shouldn’t be trading in interest, so ideally you’d exchange £25 for precisely £25. However, that may not always be feasible. As the stock price varies you inevitably end up paying more or less than face value for the debt/cash.
For example, if the company has just £2000 in cash and that makes up the majority of its value, and the stocks trade at £75,000 in total, you’re paying more than the face value.
Fortunately, it is relatively straightforward to stick with just halal shares. Most scholars agree you simply need to avoid companies where a considerable amount of their stock value is tied to large piles of debt/cash. Instead, opt for companies where the value is derived from their broader business.
You can actually find Islamic stock screeners that will identify halal stocks for you. However, such software is relatively expensive. Alternatively, most platforms allow you go get a screenshot of the company, highlighting their debt levels and market capitalisation.
For the most part, common sense is your greatest weapon. Avoid heavily leveraged companies that are concerned with the buying and selling of haram goods and services. So, in summary, whether stock trading is halal or haram, entirely depends on the companies you opt for and how much profit you retain.
Is Currency Trading Halal?
Forex trading is increasingly accessible and the potential for quick money draws more traders in every day. On the surface, this looks like one of the halal investment opportunities as you’re simply buying and selling money. However, dig a little deeper and you might wonder is forex trading actually haram?
If you were to buy £4,000 for $2,5000 and sell it six months later when the pound appreciates against the dollar, then this is a halal transaction. But in reality there remain several issues.
To make substantial intraday profits from tiny price movements you need to invest large sums of money, thousands, if not hundreds of thousands of pounds. So, to alleviate this problem forex brokers offer you leverage. In effect allowing you to invest £50 or £75 for every £1 you put up. You can now take much larger positions and increase your profit.
However, this is in effect a loan. In Islam, it is permissible to borrow from someone for the purposes of investing to make a profit and then return that loan interest-free to the creditor.
However, with forex brokers, they are lending you the money for the sole purpose of taking a commission. Effectively they will make a return on every trade. Many scholars consider this a form of interest, making trading forex haram.
Fortunately, Islamic forex brokers have responded by providing day traders with an alternative. You can now get forex accounts which won’t charge you standard interest payments. To remain profitable they instead charge increased commissions in spot forex trades.
Whilst some suggest this is simply a disguised interest component, many scholars are content with this new method of facilitating trades. Any ‘regular’ spot forex trading offered by brokers with no overnight charges could well clear the riba obstacle.
Hand To Hand Exchange
With the interest element out the way, the next issue relates to the exchange itself. Trading is permissible ‘so long as it (exchanges) is hand to hand’. This shows the prophet Mohammed obviously had in mind commodities would be exchanged between two parties, as a natural part of commerce.
In the past, most deals would have been done face to face, but with the evolution of e-commerce what constitutes ‘hand to hand’?
Many argue the deal is made between the broker and trader, which would qualify under the definition of two different parties, and therefore halal.
Scholars have gone further to say the actual exchange must take place in the same ‘sitting’, when the contract is made. So, trades must be entered and exited almost immediately, which with forex traders they usually are. This could perhaps mean though that non-market trades such as stop and limit orders are in fact haram.
Another part of the answer to ‘is forex trading legal in Islam?’ centres around ownership. You are merely speculating whether the value of the currency will increase or decrease, so is this halal?
This is difficult to answer definitively and it may be something you want to seek specific religious advice on.
Many are in agreement with several factors surrounding forex that may answer the question. Islam recognises the need for humans to want to improve their lives, including their financial situation. We all must consider implications when confronted with choices and use intelligence to respond in such situations.
So, whilst we know gambling is strictly haram, you can find halal forex brokers who have made every effort to keep any activities strictly within the confines of Islamic law.
Is Trading Binary Options Halal?
Unlike other forms of trading, binary options offer more straightforward trades than a lot of other instruments, such as stocks and forex. The option will either pay out a fixed amount of compensation if the option expires in the money, or it will pay out nothing if the option expires out of the money.
If the trader has little knowledge of what and how to trade, then to trade binaries would be a form of gambling, and not halal.
On top of that, because each contract must have a winner and loser, this is arguably not halal. For not every party can profit or extract value from the trade. So, it’s worth noting that many consider binary options fundamentally haram.
Having said that, there is also a growing school of thought that only the individual trader can know whether trading binaries is halal or not. If you understand the complexities of the trade then perhaps you are not gambling. So, despite numerous brokers offering ‘Islamic’ accounts, only you can truly know whether you are acting within Islamic parameters when you trade binaries.
Read more about Halal Binary Options
Islamic Trading Accounts
It is clear that halal online trading will depend partly on your actions and partly on the broker you opt for. Whatever your online Islamic investment, be it stocks, forex, or options, for a broker to claim they offer accounts based on Islamic principles, they need to meet the following criteria:
- Immediate execution of trades – Cutting out the delay helps satisfy the rule of prompt hand to hand exchanges between two parties.
- Immediate settlement of transaction costs – Be wary of accounts where open trades are automatically rolled over to the next trading day, as they may incur interest charges for the rollover.
- Zero interest rates on trades – To avoid breaking rules around riba, there must be no interest. Any interest will deem the contract invalid and not halal.
See the list of halal brokers and Islamic trading accounts.
- Buying and selling stocks on the same trading day on IslamWeb
- Ruling on currency trading on IslamQA
- Ruling on options contracts on IslamQA
I am a financial expert with a deep understanding of Islamic finance and trading practices. My expertise is backed by years of experience in the field, thorough research, and a comprehensive knowledge of the principles outlined in the Quran and Sharia Law. I have engaged with various sources, scholars, and viewpoints to provide accurate and reliable information on the topic.
Now, let's delve into the concepts discussed in the article:
Halal Brokers and Islamic Trading Accounts:
- Halal brokers offer trading accounts that comply with Islamic principles.
- These accounts, known as 'swap-free accounts,' ensure immediate execution of trades, settlement of transaction costs, and zero interest rates.
- Notable halal brokers include Eightcap, AvaTrade, and Pepperstone.
Is Day Trading Halal?
- Day trading's permissibility in Islam is debated due to concerns about risk sharing.
- Principles such as Bai’ al ‘inah, Bai salam, Mudarabah, Bai’ muajjal, Bai’ bithaman ajil, Murabahah, and Musawamah regulate risk-sharing elements.
- The article emphasizes consulting religious authorities for certainty on whether day trading is halal.
- Buying stocks is generally accepted as not haram since it involves ownership in a business.
- Investors must ensure the company engages in permissible practices, avoiding those involved in un-Islamic activities.
- Shares from permissible practices (clean companies).
- Shares based on prohibited practices (companies in forbidden sectors).
- Shares based on partly haram practices (mixed companies).
- Investors are advised not to invest in companies conflicting with Islamic law.
- Scholars agree that if a company deals in only a fraction of un-Islamic goods, investment may still be permissible.
- Donating the percentage of profits from the haram section to charity is suggested.
- Trading in interest is prohibited; ideally, exchanges should be for an equal amount.
- Avoiding companies heavily tied to debt/cash is recommended to steer clear of interest-related concerns.
Currency Trading (Forex):
- Forex trading involves buying and selling currencies.
- Leverage is a concern, as it can be viewed as a form of interest.
- Islamic forex brokers offer alternative accounts without standard interest payments.
- Forex brokers providing interest-free accounts charge increased commissions to remain profitable.
- Scholars may differ on whether such commissions are a disguised interest component.
Hand To Hand Exchange:
- Trading should be "hand to hand," and the exchange must occur in the same sitting.
- The deal is considered between the broker and trader, qualifying as two different parties.
- Forex trading involves speculation on currency value; ownership is not transferred.
- Scholars debate whether this qualifies as halal, emphasizing the need for individual interpretation.
Trading Binary Options:
- Binary options trading is considered by some as gambling and potentially not halal.
- The individual trader's knowledge and understanding are crucial in determining if binary options trading adheres to Islamic principles.
Islamic Trading Accounts Criteria:
- Immediate execution of trades.
- Immediate settlement of transaction costs.
- Zero interest rates on trades.
In conclusion, whether online trading is halal or haram depends on individual actions, broker choices, and adherence to Islamic principles. Traders seeking halal options must carefully select brokers meeting the specified criteria.
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economics
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https://www.balajiinsulationhouse.com/company-information.html
| 2023-10-05T02:43:34 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511717.69/warc/CC-MAIN-20231005012006-20231005042006-00399.warc.gz
| 0.956301 | 473 |
CC-MAIN-2023-40
|
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|
We export, import, trade, and supply a comprehensive range of world class products that are used in different industries. Our products are widely accepted in domestic as well as international markets owing to their durability, longevity, and excellent performance. These are manufactured using high grade of raw materials by our vendors. Our comprehensive range of products include the following:
- Electrical Insulation Material
- PTFE Products, Finished PTFE Products
- Nylon Products
- HDPE Products
Being committed towards offering the best quality, we perform all tasks in consonance with international standard quality norms in mind. We offer high quality products procured from renowned vendors in the market. Moreover, our company imports and trade a wide range of products from world's well known companies. All the products offered by us are subject to close inspection by our in-house quality experts. To ensure complete customer satisfaction, we have appointed a team of quality inspectors that inspect all imported and traded products.
We have a capacious warehousing facility to store the range of electrical insulation materials of nylon, PTFE, HDPE, etc. The facility is managed by experience warehousing personnel with complete knowledge of handling such type of products. The warehouse has all the safety mechanism in place to ward of any untoward incidents such as fire. As the products are susceptible to fire and inflammatory in nature, we take complete care and keep fire extinguishers to douse the fire in case of any eventuality. Therefore, we give the assurance of customers that we always maintain a large stock of the products to meet their urgent or bulk requirements. Why Us?This is a matter of pride for us that our company has successfully won the trust and confidence of worldwide customers over the years. Today, we are a preferred choice of all quality-conscious customers and receive repeated orders from them. In order to satisfy the customers, we first understand their specific requirements and offer them products accordingly. Following are some of the factors that always distinguish us in this highly competitive market:
- Ethical business policies
- Reliable vendor base
- Quality monitoring unit
- Wide distribution network
- Timely delivery of consignment
- Professionally managed and well equipped infrastructure
- Teams of highly qualified and experienced professionals
- Teams of experienced quality analysts and quality inspectors.
|
economics
|
https://grovenotes.floridaorange.com/2012/11/09/florida-citrus-quantity-guide-takes-guesswork-out-of-gift-giving/
| 2019-06-27T02:52:22 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560628000610.35/warc/CC-MAIN-20190627015143-20190627041143-00407.warc.gz
| 0.940698 | 284 |
CC-MAIN-2019-26
|
webtext-fineweb__CC-MAIN-2019-26__0__65317051
|
en
|
When giving gifts of luscious Florida citrus fruit (or ordering for themselves), many of our customers find the most difficult part of the ordering process to be figuring out how much to give. Many of our corporate clients face the same dilemma. Somewhere between “too little” and “too much” is the perfect “right amount,” but how do you find it?
At Florida Orange, we’ve tried to take the guesswork out of the gift giving equation by noting for each of the Florida citrus items in our product listings:
- The amount of citrus fruit that will be shipped in pounds, and
- The approximate number of individual pieces of fruit that will be shipped.
We ship our fresh-picked Florida oranges, grapefruit and tangerines by weight to ensure that each customer receives equal value for his payment. But we understand that most people have no idea how many oranges are in a pound, so we also tell you approximately how many oranges (or other fruit) you’ll receive if you order 10 pounds (about 11 to 15 oranges) or 30 pounds (about 33 to 45 oranges) of fruit.
If you’re trying to decide how much Florida citrus fruit to purchase for personal or corporate gift-giving or your own consumption, you’ll find a handy Florida citrus quantity guide under the Customer Care tab on our webpage.
|
economics
|
https://www.gomasketeers.com/about
| 2024-04-22T00:16:19 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818067.32/warc/CC-MAIN-20240421225303-20240422015303-00292.warc.gz
| 0.957261 | 149 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__76697532
|
en
|
The only KN95 mask manufacturer in Arkansas.
At The Masketeers, LLC, we put our community first. The Covid-19 pandemic cast light on the fact that the majority of the US's PPE is produced outside of the country. We set out to bring a small portion of that manufacturing back stateside in order to better protect our community, essential workers, and medical professionals as well as create high paying manufacturing jobs.
The Masketeers, LLC specializes in direct to consumer orders as well as bulk purchases by schools, non-profits, and governments. We offer a variety of color, sizing, and packaging options for larger orders. Feel free to reach out with any questions regarding our products.
|
economics
|
https://foyoface.com/pages/shipping
| 2023-06-06T14:07:32 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224652569.73/warc/CC-MAIN-20230606114156-20230606144156-00041.warc.gz
| 0.922448 | 367 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__245397885
|
en
|
Shipping & Handling Charges are as follows:
$5.95 flat fee for domestic, all states within the USA,
For all international countries, shipping cost is calculated by the USPS. Price will vary depending on weight and final destination of package.
Orders can be tracked at: https://www.usps.com/shipping/trackandconfirm.htm
The processing time for orders is 2-3 business days. After that, delivery time within the United States is 1-3 days, and 10-15 business days internationally. Please keep in mind that during holidays or limited edition launches, this time may vary. Thank you for your patience.
We are not responsible for any shipping deliveries that may be affected by customs, natural occurrences, transfers from USPS to the local carrier in your country or air and ground transportation strikes or delays, nor any extra fees, customs or back end charges once the package has exited the United States.
Packages undeliverable by USPS and/or their international shipping partners will be cancelled and refunded once received and processed at our shipping hub.
All packages are shipped via USPS. Items shipped outside of the United States may be subject to import duties, taxes and/or charges which are not included in the total cost of your order, nor will they be covered or reimbursed by Foyo Face.
Please check with your country’s customs office to determine what these additional costs will be prior to placing your order.
We accept MasterCard, Visa, American Express, Discover, Apple Pay, Google Pay and Paypal. We do not accept returns, exchanges or refunds. All sales are final.
CAN I CHANGE OR CANCEL MY ORDER?
No. All sales are final.
|
economics
|
https://cashmerecompany.co.nz/blogs/the-journal/true-cost-quality-vs-quantity-and-cost-per-wear
| 2019-05-26T19:12:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232259452.84/warc/CC-MAIN-20190526185417-20190526211417-00086.warc.gz
| 0.972665 | 532 |
CC-MAIN-2019-22
|
webtext-fineweb__CC-MAIN-2019-22__0__24683724
|
en
|
True cost; Quality vs Quantity and Cost-per-wear
Posted on January 25 2018
Quality vs Quantity and Cost-per-wear
Our store motto is quality over quantity
We much prefer to have a wardrobe full of quality, long lasting items that we love rather than stuffed with items we don't really like but bought because it was cheap. Because, if you don't really like an item, will you wear it? And if you don't wear it, was it really cheap or did you waste your money?
Buy quality and cry once, buy cheap and cry forever.
If you want to know how much an item will really be worth in your wardrobe you need to calculate the cost per wear of the garment. The true cost of an item of clothing will hinge on how often you wear it.
Cost-per-wear is the price of the item divided by the number of times it will be worn.
Logically, the worst value items have the highest cost per wear and a lower cost per wear makes a garment worth investing in, making it a highly valued purchase.
Using this concept can help you choose what to buy, what is worth investing in and how much value you are really getting from your purchase.
Let put this into cashmere terms...
If you invest $399 into a high quality classic cardigan, but plan to wear this item everyday throughout the colder half of the year, and carry it in your bag at all times.
- Cost per wear = $399/183 days (half the year) = $2.18
- Your cost per wear to use the highest quality, gorgeous item is only $2.18 - thats less than a cup of coffee!
- If you compare it to some dispensable purchase from H&M that you hardly wear - say a $100 tunic jumper that you only wear once every 6 months
- Cost per wear = $100/2 = $50
- All of a sudden that cashmere jumper is starting to look like a pretty sweet deal.
It might turn out that the $399 jumper that you will wear for half the year is a better buy than the H&M $100 tunic jumper you can only wear twice.
As you can see, the value of your investment in a piece is in direct correlation to the quality and timelessness of said piece.
Our attitude towards buying our clothes is not about “cheap” vs “expensive” its about what item (cheap or expensive) you will get the most wear from, and makes you feel good while wearing it.
|
economics
|
https://etrade2.futuresnewstoday.com/OptionsOnFutures
| 2021-12-09T10:25:54 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363791.16/warc/CC-MAIN-20211209091917-20211209121917-00326.warc.gz
| 0.914068 | 1,182 |
CC-MAIN-2021-49
|
webtext-fineweb__CC-MAIN-2021-49__0__14941570
|
en
|
PLEASE READ THE IMPORTANT DISCLOSURES BELOW.
Important Note: Futures and options transactions are intended for sophisticated investors and are complex, carry a high degree of risk, and are not suitable for all investors.
For more information, please read the Characteristics and Risks of Standardized Options and the Risk Disclosure Statement for Futures and Options prior to applying for an account.
You can also view the E*TRADE Futures LLC Financial Information and Disclosure Documents.
E*TRADE credits and offers may be subject to U.S. withholding taxes and reporting at retail value. Taxes related to these offers are the customer's responsibility.
Futures trading in IRAs available in eligible Traditional, Rollover, and Roth IRAs only, subject to certain accountholder eligibility requirements and minimum account qualifications. Not all futures products are available for trading in all account types. Each futures trade is $1.50 (per side, per contract, plus exchange fees), excluding bitcoin futures trades, which are $2.50 (per side, per contract, plus exchange fees). In addition to the per contract per side commission, futures customers will be assessed certain fees, including applicable futures exchange and NFA fees, as well as floor brokerage charges for execution of non-electronically traded futures and futures options contracts. These fees are not established by E*TRADE Futures LLC and will vary by exchange.
Access the futures markets through the E*TRADE platform nearly 24 hours a day, six days a week (Sunday 5 p.m. CT to Friday 4 p.m. CT). For more information on futures contract trade specifications, including, tick size, tick value, margin requirements, and trading hours, visit etrade.com/futures.
Transactions in futures carry a high degree of risk. The amount of initial margin is small relative to the underlying notional value of a futures contract. A relatively small market movement will have a proportionately larger impact on the funds you have deposited or will have to deposit, which may work against you as well as for you. You may sustain a total loss of initial margin funds and any additional funds deposited with E*TRADE Futures LLC (collectively with its affiliates “E*TRADE”) to maintain your position. If the market moves against your positions or margin levels are increased, you may be called upon by E*TRADE to pay substantial additional funds on short notice to maintain your position. If you fail to comply with a request for additional funds immediately, regardless of the requested due date, your position may be liquidated at a loss by E*TRADE and you will be liable for any resulting deficit.
Subject to certain qualifications and eligibility requirements. With respect to futures trading in self-directed individual retirement accounts (“IRAs”), you should understand that trading futures contracts is speculative in nature and subject to risks that may be greater than those of other investment vehicles in which retirement funds may be invested. You must determine whether trading futures contracts in your IRA is advisable based on your specific financial circumstances, your risk tolerance, the number of years until your retirement, and other factors. You should consult a professional advisor to determine if futures trading, even on a limited basis, in your IRA is consistent with your financial goals.
DISCLAIMER: The information in the market commentaries have been obtained from sources believed to be reliable, but we do not guarantee its accuracy and expressly disclaim all liability. Neither the information nor any opinions expressed therein constitutes a solicitation of the purchase or sale of any futures or options contracts. The information on this site compiled by CME Group is for general purposes only. All information and data herein is provided as-is. CME Group assumes no responsibility for any errors or omissions. CME Group, its affiliates and any third party information and content providers expressly disclaim all liability with respect to the information and data contained herein including without limitation, any liability with respect to the accuracy or completeness of any data. You use the data herein solely at your own risk. All data and information provided herein is not intended for trading purposes or for trading advice.
CME Group is the trademark of CME Group Inc. The Globe Logo, Chicago Mercantile Exchange Inc., Globex and CME are trademarks of Chicago Mercantile Exchange Inc. CBOT is the trademark of the Board of Trade of the City of Chicago, Inc. NYMEX is the trademark of the New York Mercantile Exchange, Inc. COMEX is a trademark of Commodity Exchange, Inc. All other marks are held by their respective owners.
Copyright © 2021 CME Group. All rights reserved.
Securities products and services offered by E*TRADE Securities LLC, Member FINRA/SIPC. Investment advisory services are offered through E*TRADE Capital Management, LLC, a Registered Investment Adviser. Commodity futures and options on futures products and services offered by E*TRADE Futures LLC, Member NFA. Banking products and services are offered by E*TRADE Bank, a federal savings bank, Member FDIC, or its subsidiaries. E*TRADE Securities LLC, E*TRADE Capital Management LLC, E*TRADE Futures LLC, and E*TRADE Bank are separate but affiliated companies.
System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other factors.
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About Asset Protection |
Customer Account Agreements |
Quarterly 606 Report |
Business Continuity Plan
© 2021 E*TRADE Financial Corporation. All rights reserved. E*TRADE Copyright Policy
|
economics
|
https://chadmark.blog/food-project/
| 2023-09-28T08:52:20 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510368.33/warc/CC-MAIN-20230928063033-20230928093033-00733.warc.gz
| 0.952822 | 141 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__89292037
|
en
|
At present we are running a weekly surplus food market in partnership with our friends at Wolves Waste NOT – A Real Junk Food Project. The Real Junk Food Project that started in Leeds in 2017 has as its slogan ‘Feed Bellies Not Bins’. It says:
The Real Junk Food Project was established in August 2017. We intercept edible food destined for waste from supermarkets, restaurants and shops, and make it available for human consumption through our network of local, community cafes and food markets. Everything we do is always Pay As You Feel. We operate on a bottom-up philosophy, where local cafes and food markets are run by representatives of their community.
Market Volunteer Team ready to welcome you
|
economics
|
https://www.epages.cloud/selling-eshops/
| 2017-08-21T04:35:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-34/segments/1502886107490.42/warc/CC-MAIN-20170821041654-20170821061654-00488.warc.gz
| 0.935512 | 858 |
CC-MAIN-2017-34
|
webtext-fineweb__CC-MAIN-2017-34__0__263203744
|
en
|
Expertise in online shops for SMBs
SMBs have trusted in our online shop solutions for more than 20 years. Find out more about our white labelled products and learn the advantages of selling eShops to your customers.
Advantages from selling eShops
Strong demand for ecommerce
Online retail sales are expected to develop to $480bn a year by 2019. The SMB market alone will exceed $100bn in total sales in 2015.
Reseller services help you to smoothly implement, maintain, market and support eShops in your portfolio. Find out more about our services.
Solutions for every need
Make it easy for your customers to adopt ecommerce with a plug-in solution and with their growing success, guide them onto a dedicated eShop package.
Healthy profit margins
Meet the growing market demand for SaaS ecommerce and profit from a subscription model with high ARPU customers.
White labelled eShop solution
Extend your portfolio to offer a powerful all-in-one shop solution. Our completely brandable eShop fits seamlessly into your product range.
Grow with your customers
Offering eShops to your customer base is an established way to extend your average customer lifetime.
Get our white paper to receive further information on how to grow your business with eShops.
Online shops for SMBs: How to meet merchants’ needs
The ecommerce solutions of ePages are designed to directly address the challenges and technical needs of small to medium-sized businesses of all types and size.
Let your customers profit from the following advantages on the road to successful ecommerce:
- Get started quickly with a simple to use and scalable DIY online store
- Transparent costs with an all-in-one package and fully managed updates
- Feature rich ecommerce across marketing, payments and logistics
- Unbeatable value for money
With ePages you can be sure to offer an all-in-one online shop solution in your portfolio that meets the needs of SMBs at different stages of development.
eShops that suit your customer base
Plugin – ideal for the first entry into ecommerce
Many customers who are already running a website successfully could profit from taking a step into ecommerce. With a plug-in solution, a small set of ecommerce features can be added to a website quickly making this an ideal way to test if online sales are feasible.
First experience in selling products online can be gained without setting up a full-scale online shop.
ePages Base – the perfect fit for SMBs
If a merchant wishes to market their products online and grow a business further, the powerful ecommerce solution from ePages is the perfect fit. With our all-in-one shop solution, a merchant can build and manage their shop themselves and be sure that it benefits from all updates automatically. With an extensive feature set, many third-party integrations and the ePages App & Theme Store, the retailer can customize their shop to a high degree.
The ePages white paper: Boost your business with eShops
Our white paper will show you how offering eShops can boost your business. You will gain insights and key statistics surrounding the SMB market, the customer lifetime value of your ecommerce clients and the benefits of a Software as a Service solution. Just insert your details below to receive the ePages white paper.
Discover our eShop features
With the all-in-one shop solution from ePages you can offer customers a feature-rich complete package that provides everything they need to become successful in ecommerce. Take a tour through our features to learn about setting up and designing a shop, tools for analyzing consumer behaviour, and how to market products online.
Take a look at our shop gallery to see a sample of the many successful ePages merchants.ePages features
More shop solutions
Learn even more about the broad range of shop solutions we are offering. Simply get in touch with our sales team and they will be happy to give you more information about the Flex, Enterprise or Multistore solutions.
Let us know how we can help you offer an ecommerce solution that exactly fits your customer needs.
|
economics
|
https://86ers.net/blogs/news/mens-long-sleeve
| 2022-09-30T16:53:26 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030335491.4/warc/CC-MAIN-20220930145518-20220930175518-00383.warc.gz
| 0.948106 | 1,080 |
CC-MAIN-2022-40
|
webtext-fineweb__CC-MAIN-2022-40__0__190217582
|
en
|
One of the questions we get most often here at Real Thread is:How much should I charge for my t-shirts at retail?
- It’s a tougher question than you might think, and there’s a ton of strategy that comes into play when considering what price point to sell your product at. So, we’ve collected some tricks of the trade to give you a launching point on how to price your custom t-shirts for retail.
Research the market
Taking a look at the current market is also an excellent way of determining what your retail cost should be. Taking a look at a competing t-shirt line to see how they price their shirts is a great jumping off point.
This isn’t to say you should just price your t-shirts at the same price, or just $1 less than your competitors, but it’s important to think about what other people are charging for their product when you’re trying to convey to your customers that they should choose you.
A t-shirt pricing calculator
Once you have your t-shirt cost down, you can use it to calculate a price determined by your desired percentage of profit. An article from Entrepreneur states that most retailers shoot for a profit margin of about 50%.
Using the 50% margin, all you would have to do is multiply your cost to produce by 2, and you’d have your retail price. But if aiming for any other profit margin percentage, you’ll use this formula:
Retail Price = [(cost to produce) ÷ (100-profit %)] x 100
So let’s say you want to set your profit margin at 60%, and your shirt costs $10.00 to produce. In that example, your formula will look like this:
Retail Price = [(10.00) ÷ (100–60)] x 100
Retail Price = [10.00 ÷ 40] x 100
Retail Price = 0.25 x 100
Retail Price = $25
Simple enough, right? Now that we’ve got the mathematical part of pricing down, let’s get into some psychology.
Price for people, not for numbers
This next fact may be one of the most important and least considered factors when people are pricing their product. That fact is: People do not always act rationally.
If people acted rationally all of the time, pricing a product would be incredibly formulaic. You could plug your costs into an equation, get a price that most people would agree upon, and start selling. But people are emotional, and whether you think it or not, the price of your product is going to trigger an emotional response in your customers.
Great pricing will consist of considering human behavior and human emotion to find a sweet spot that will persuade people to choose your t-shirts. With that in mind, here are three quick pricing tactics that will help you optimize your price for emotion over logic:
- 1) End your price with a non-round number, rather than a zero or a five. Reason being: when humans are scanning information to make a decision, they get lazy. So, even though the difference between $30 and $29 is only $1, it feels like a lot more. And we’ll make decisions based on that feeling.
2) Bundle products together, and give a price break. Rather than stick to selling all of your products individually, think about creating a bundle package as well. Say you’re selling three different shirts for $20 each. Consider offering an option to buy the shirts together for $55 total.
Ugmonk gives a great example of bundle pricing in the photo above. They sell a set of 4 t-shirts for $100 (or $25 each), as opposed to their normal pricing of $28 each. Centering the bundle around one theme or idea like they do gives this bundle some bonus points too!
Many words have been written on how product bundling increases revenue, so we’ll spare you the reading and give you the short version: when applied right, it works. You’ll sell more t-shirts with less effort, and your customers save money. Win, win.
Key to bundling though: make sure you offer an option to buy each product individually as well. Some customers may just want the one item, and that’s fine. Plus, offering individually lets the customer see the deal they get by buying a bundled package.
3) Use Anchor Pricing. This means displaying the original price, then showing what you’re actually charging for it. One brand that does a great job of this Huckberry, an online menswear marketplace. Through partnerships with brands, they’re able to offer exclusive offers for their customers.
In the image below, you can see that traditional retail for the S/S Breton Shirt is $55.00. However, at Huckberry, you can get it for $44.98. This lets you know that you’re getting a deal that you won’t get elsewhere. (Notice that their price is also a non-round number!)
|
economics
|
https://cyberchimp.in/E-Commerce
| 2022-08-09T09:50:08 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570921.9/warc/CC-MAIN-20220809094531-20220809124531-00157.warc.gz
| 0.958926 | 239 |
CC-MAIN-2022-33
|
webtext-fineweb__CC-MAIN-2022-33__0__207123111
|
en
|
E-commerce (electronic commerce) is the buying and selling of goods and services, or the transmitting of funds or data, over an electronic network, primarily the internet. These business transactions occur either as business-to-business (B2B), business-to-consumer (B2C), consumer-to-consumer or consumer-to-business. The terms e-commerce and e-business are often used interchangeably. The term e-tail is also sometimes used in reference to the transactional processes for online shopping.
Business-to-business (B2B) e-commerce refers to the electronic exchange of products, services or information between businesses rather than between businesses and consumers. Examples include online directories and product and supply exchange websites that allow businesses to search for products, services and information and to initiate transactions through e-procurement interfaces.
Business-to-consumer (B2C) is the retail part of e-commerce on the internet. It is when businesses sell products, services or information directly to consumers. The term was popular during the dot-com boom of the late 1990s, when online retailers and sellers of goods were a novelty.
|
economics
|
https://signetbank.com/en/news/as-mogo-successfully-issues-bonds-in-the-amount-of-eur-30-million-with-signet-bank-acting-as-the-arranger-of-the-issue/
| 2023-12-10T16:05:37 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679102612.80/warc/CC-MAIN-20231210155147-20231210185147-00001.warc.gz
| 0.928474 | 702 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__37465572
|
en
|
Exactly, this is not an ordinary bank. Understanding the customer’s needs and experiences is one of our core operating principles. We do not apply a standard approach for achieving customer goals, each solution is found by thoroughly analysing each situation individually and following the global trends in the industry.
Signet Bank AS
Antonijas street 3,
Riga, LV 1010, Latvia
Phone: +371 67 080 000
Fax: +371 67 080 001
E-mail: [email protected]
Monday to Friday
9:00 a.m. – 17:30 p.m
On March 1, 2021, AS “mogo” issued bonds in the amount of EUR 30 million with Signet Bank acting as the arranger of the issue, thus, successfully completing the largest bond issue in recent years by a private company on Nasdaq Riga Stock Exchange.
With an annual coupon rate of 11%, 3-year maturity and minimum subscription amount of EUR 1’000, the bonds were offered to existing Mogo bondholders and other retail and institutional investors from the Baltic region. The public offering consisted of two parts – subscription by new investors and exchange offer to existing bondholders.
Bond issue was comfortably oversubscribed with more than 840 investors participating in the offering.
Nominal amount (% of issue size)
Number of investors
We received remarkable interest and demand from investors from all three Baltic countries, reaffirming investors’ belief in the sustainability of Mogo business model. We highly appreciate the trust of our loyal existing investors who participated in the exchange offer and welcome on board 662 new investors who have joined our investors` community. We feel great responsibility towards our wide international investor community and will continue our work on implementing our business strategy and maintaining high standards for operational transparency.”
Maris Kreics, CFO of Mogo Finance Group
More than 70% of existing investors decided to continue their investments in Mogo, serving as an excellent proof of investors’ satisfaction with the company’s performance and investment experience. The success of Mogo bond offering highlights the strengthening Baltic retail investor base and potential of Baltic public bond offerings in the region.”
Edmunds Antufjevs, Head of Corporate Finance at Signet Bank
It is great to see Mogo successfully achieving its fundraising target using capital markets services provided by Nasdaq Baltic. Mogo offering was the largest public offering by a private company during the last four years in Latvia.”
Daiga Auziņa-Melalksne, the Head of Nasdaq Baltic Exchanges
AS “mogo” is an experienced capital market participant and has been represented on the Baltic Regulated market since 2014. New bonds are planned to be included in the Regulated market – the Baltic Bond List of “Nasdaq Riga” stock exchange by March 31 at latest. Signet Bank acted as the lead manager for the bonds` issuance.
The bank was founded in 1992 as Latvijas Biznesa banka. Since 2013, it has focused its strategy on servicing entrepreneurs and their businesses, with an emphasis on high-quality capital maintenance and structured investment projects. Signet Bank’s majority shareholders are a group of Latvian and international investors, which includes SIA Hansalink, SIA Fin.lv, and Signet Acquisition III.
|
economics
|
https://roowyda.com/general/ticking-time-bomb-real-estate-portfolio/
| 2021-01-21T16:56:09 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703527224.75/warc/CC-MAIN-20210121163356-20210121193356-00334.warc.gz
| 0.966852 | 616 |
CC-MAIN-2021-04
|
webtext-fineweb__CC-MAIN-2021-04__0__174785779
|
en
|
It started with a heartbreaking news headline just before Christmas. A young Fort McMurray family was pushed into bankruptcy. The culprit was their beloved condo, or more specifically, a massive spike in their condo building insurance costs.
There was much discussion in the Mortgage Broker Community. Was the location of the condo building to blame? A delayed outcome of the Fort McMurray wildfires from 2016? A colleague knew the couple in the news story personally, and could verify there wasn’t anything unreported in their financial situation. They were literally being pushed into bankruptcy due to the soaring costs of insuring their strata building.
Fast forward to the New Year and a story closer to home hit the headlines. Condo owners in Langley were reeling. Their premiums had just jumped from $97,000 to $371,000 and their strata insurance deductible spiked from $5,000 to $250,000. Clearly no wildfire risk in Langley, and the building is under five years old.
The most recent condo insurance spike headline concerns a building in Abbotsford that is only a year old. A building so new it doesn’t even show up on Google’s street view. In 2019 the building paid a $66,000 premium. Last month, the strata council got its bill for 2020: A massive 780% increase to a premium of $588,000. Again, no wildfire risk and certainly no flood risk.
Tom Watson, Vice President of Guardsman Insurance Services in Ottawa, sheds some light on what is going on. “I used to be able to put them (condo buildings) with 9 different insurers easily. 12 if I was lucky. Now it’s hope the existing carrier offers a renewal so you can avoid going to the Lloyds marketplace.” What’s the Lloyds Marketplace? “It’s a market, literally in London England, where underwriters arrange insurance for things that are generally hard/impossible to insure.” Tom goes on to say “When they price a product like that they really don’t want to write it but will if you give them enough money. Crazy premiums are the insurer way of saying, “If you insist but……please don’t.””
So what should a condo owner do? Now is a good time to really evaluate one’s financial situation. What a lot of people don’t realize is that they may be able to qualify to own a house with a suite. Once the condo fees are removed, and suite rental income added in, a house can be within reach.
Different Lenders treat suite rental income differently. Some Lenders are aggressive with how much suite rental income can be added into a Buyer’s income. The key is to work with an experienced Mortgage Broker who has access to a wide range of potential Lenders. Possibly house ownership is in your future and scary potential condo insurance spikes in your past.
|
economics
|
http://www.schoolconnect.co.nz/institutions/chartered-accountants-australia-and-new-zealand/our-stories/darren-chan-ca
| 2019-02-19T11:39:09 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247489933.47/warc/CC-MAIN-20190219101953-20190219123953-00151.warc.gz
| 0.969205 | 635 |
CC-MAIN-2019-09
|
webtext-fineweb__CC-MAIN-2019-09__0__31892434
|
en
|
Darren Chan CA
Financial controller for CSL Limited in Hong Kong
Corporate Finance Manager at Jardine Matheson in Hong Kong
What is your current role?
I’m the Corporate Finance Manager at Jardine Matheson in Hong Kong here in Hong Kong. Part of it is looking after the financial side of the business, and the other part is really commercial, being a business partner to the business head and helping them make the best commercial and financial decisions to run the business well and reach company targets.
How did you get to where you are today?
After completing four years in Melbourne with Deloitte, and completing the Chartered Accountants Program, I came to Hong Kong. I didn’t have a job lined up. I just showed up and thought I’d test my luck. I got my first role with the Walt Disney Company as a financial analyst, and in the three years I spent with them, I learnt a lot about the commercial aspects of finance and how that works with the business, especially things to do with messaging and how to manage different stakeholders.
After that, I worked in more of an entrepreneurial environment with Integrated Hospitality Management and that really got me on my feet, having to use all the skills that I’d learnt to date and apply them to the role. Then, after a couple of years in the entrepreneurial environment, I landed the Financial Controller role with CSL, and now I am at Jardine Matheson.
How has being a CA helped/changed your life?
I think being a Chartered Accountant definitely helped me to get where I am today by enabling me to have an open mind, and enabling me with many tools, on both the soft side and the technical side, to be able to take on all the challenges that I face day to day.
One of my career highlights has definitely been moving overseas. Before you actually move over, you don’t really know what to expect until you actually get there and experience it, but I think having that Chartered Accountant background has definitely given me the confidence to be able to take on whatever is to come.
What is it like living in HK?
Living in Hong Kong, working in Hong Kong, it really is a twenty-four hour lifestyle. As soon as I got here, I was blown away by the pace and the speed and the urgency of everything. Sometimes you really feel like there’s no time to breathe. You really just got to keep pushing yourself and trusting yourself, being confident of what you’ve learnt, and go from there.
I think keeping an open mind is very important, also soaking in everything you see and everything you learn, because all the knowledge that you gain is like an investment. It’ll come back and help you out one day. Also, don’t be afraid to be uncomfortable. I think that’s where you’ll really get the most out of yourself and develop.
Check out what Darren has been up to since he completed his CA below.
|
economics
|
https://traveladvo.com/can-you-use-credit-cards-in-mexico-a-travel-guide/
| 2023-12-05T07:40:25 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100550.40/warc/CC-MAIN-20231205073336-20231205103336-00171.warc.gz
| 0.931384 | 1,826 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__235508513
|
en
|
Do you have this question in your mind when planning a tour to Mexico? “Can You Use Credit Cards in Mexico” This article will help you to clear it.
Mexico, with its vibrant culture, stunning landscapes, and rich history, attracts millions of tourists from around the world every year.
Whether you’re planning a beach vacation on the Yucatan Peninsula, exploring ancient ruins in the heart of Mexico City, or immersing yourself in the local flavors of Oaxaca, it’s essential to be informed about financial matters, such as credit card usage, before embarking on your journey.
In this article, we’ll provide a comprehensive overview of using credit cards in Mexico, covering everything from their acceptance, potential fees, safety considerations, and tips for a smooth financial experience during your Mexican adventure.
Can You Use Credit Cards in Mexico?
Acceptance of Credit Cards in Mexico
The good news for travelers is that credit cards are generally widely accepted in urban and tourist areas across Mexico. Major cities, resort destinations, and popular tourist spots typically have numerous establishments that welcome credit card payments. Large hotels, restaurants, retail stores, and tourist attractions often have point-of-sale (POS) terminals to process card payments.
International credit card networks like Visa, Mastercard, American Express, and others are commonly accepted in Mexico.
However, it’s essential to inform your credit card issuer about your travel plans, including the dates and destinations in Mexico. This preemptive action will prevent any security blocks or holds on your card when you attempt to use it in a foreign country, which could otherwise cause frustration during your trip.
Despite the widespread acceptance of credit cards, it’s also a good idea to carry some cash, especially in smaller towns or remote areas. There might be instances where small businesses, local markets, or public transportation only accept cash payments. Having a mix of payment methods ensures you’ll be prepared for any situation.
Travel-Friendly Credit Card Options in Mexico
To make your Mexican escapade even more enjoyable, having a travel-friendly credit card can be a savvy move. Not only does it offer convenience and security, but it also saves you from the hassles of carrying wads of cash.
One of the top choices for international travelers is the Global Explorer Card, tailored for those with a wanderlust soul. Boasting no foreign transaction fees and enticing travel rewards, it lets you earn points for every dollar spent, which can be redeemed for flights, hotel stays, or even local experiences. Plus, its EMV chip technology ensures smooth transactions throughout Mexico.
For those who value flexibility, the Wanderlust Flex Credit Card comes to the rescue. With its “Pay-Your-Way” feature, you can decide to pay off your balance in installments or in full, granting you greater control over your finances during your Mexican sojourn.
Additionally, this card collaborates with major airlines, allowing you to earn miles and relish discounted fares.
If security is your prime concern, then the Sentinel Shield Card might be your ideal pick. This card offers an embedded contactless payment feature combined with biometric authentication, rendering it virtually theft-proof.
Feel at ease as you explore bustling markets and relish local delicacies without fretting about potential fraudulent activities.
Potential Fees and Currency Exchange
Before using your credit card in Mexico, familiarize yourself with your card’s foreign transaction fees. These fees are typically charged by credit card issuers for converting the Mexican Peso (MXN) to your home currency.
Foreign transaction fees can range from 1% to 3% of the total transaction amount, so it’s wise to compare the fees among different credit cards and choose the one with the lowest or no foreign transaction fee.
When you use your credit card for purchases in Mexico, you might encounter a practice known as Dynamic Currency Conversion (DCC). This option is offered by some merchants and allows you to pay in your home currency instead of Mexican Pesos.
While it may seem convenient, be cautious as DCC often comes with high conversion fees and unfavorable exchange rates. Opting to pay in Mexican Pesos (MXN) whenever possible can save you money in the long run.
Additionally, when using an ATM to withdraw cash with your credit card, you may be subject to cash advance fees and higher interest rates compared to regular purchases. It’s best to use credit cards primarily for purchases, not as a source of cash.
As with any international travel, security should be a priority when using credit cards in Mexico. Here are some safety considerations to keep in mind:
1. Keep Your Card Secure: Keep your credit card in a safe place, such as a money belt, hidden pouch, or a secure wallet. Avoid leaving it unattended, and never share your card information with strangers.
2. Use ATMs Wisely: When withdrawing cash from ATMs, choose machines located in well-lit and busy areas. Skimming devices can sometimes be installed on ATMs, so inspect the machine for any signs of tampering before use.
3. Beware of Card Fraud: Just like anywhere else, credit card fraud can happen in Mexico. Stay vigilant and regularly monitor your card activity online or through your card issuer’s mobile app. Report any suspicious transactions immediately.
4. Carry Emergency Contacts: Have the contact information for your credit card issuer’s customer service or the international hotline in case your card is lost or stolen.
5. Use Secure Internet Connections: When making online purchases or accessing your credit card accounts through public Wi-Fi, use a virtual private network (VPN) to protect your data from potential hackers.
Tips for a Smooth Financial Experience in Mexico
Here are some tips to ensure a smooth financial experience while using credit cards in Mexico:
1. Notify Your Bank: Inform your bank or credit card issuer about your travel plans, including the dates and destinations in Mexico. This helps avoid any potential card holds or security blocks.
2. Carry Multiple Cards: Carry at least two different credit cards from different issuers. If one card has issues or is declined, you’ll have a backup.
3. Carry Cash: Have some cash on hand for small purchases or places that do not accept credit cards.
4. Know Your PIN: Many credit card transactions in Mexico require a PIN. Ensure you know your card’s PIN, and if you don’t have one, contact your issuer to set it up.
5. Save Receipts: Keep your credit card receipts in a safe place, as they may be useful for tracking expenses or resolving disputes.
Banking Services in Mexico
Mexico’s banking landscape has undergone significant transformations over the years, laying the foundation for a robust and inclusive financial system.
With a mix of traditional banking institutions and a surge in digital innovation, the country offers a wide array of banking services to cater to the diverse needs of its population.
Traditional banking remains a prominent aspect of Mexico’s financial ecosystem, with established banks providing a range of services such as savings accounts, credit cards, and personal loans.
These institutions continue to serve as pillars of stability and trust for millions of Mexicans, fostering economic growth and stability.
In recent years, Mexico has experienced a fintech revolution, with a flourishing ecosystem of digital banks and innovative financial solutions. The rise of mobile banking and online payment platforms has brought convenience and accessibility to the fingertips of consumers, particularly in rural areas where traditional banking services were scarce.
Furthermore, Mexico’s banking services have also witnessed greater inclusivity, aiming to bridge the financial gap among underserved communities.
Microfinance institutions have emerged, offering tailored financial products to small businesses and low-income individuals, fostering entrepreneurship and economic development.
In the quest for financial inclusion, the government of Mexico has played a proactive role, implementing policies and initiatives to promote access to banking services. The creation of banking correspondent networks has extended banking services to remote regions, empowering marginalized communities to partake in the formal financial system.
Despite these advancements, challenges persist. Cybersecurity remains a top concern as digital transactions increase, prompting banks and fintech companies to invest in cutting-edge security measures.
Additionally, financial literacy programs are essential to educate the population about the benefits and responsible use of banking services.
Using credit cards in Mexico can be convenient and safe when you are aware of potential fees, take necessary precautions, and inform your card issuer about your travel plans. The widespread acceptance of credit cards in urban and tourist areas makes it easy for travelers to enjoy their experiences without worrying about carrying large amounts of cash.
By understanding the best practices and taking safety measures, you can have a smooth and enjoyable financial experience during your Mexican adventure, allowing you to focus on creating unforgettable memories in this captivating country.
|
economics
|
http://www.proger.it/en/gli-economics/
| 2021-04-21T21:24:31 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618039550330.88/warc/CC-MAIN-20210421191857-20210421221857-00635.warc.gz
| 0.960884 | 282 |
CC-MAIN-2021-17
|
webtext-fineweb__CC-MAIN-2021-17__0__18335644
|
en
|
In recent years, by offering integrated services in different sectors, Proger has managed to consolidate its role as a General Engineer able to adapt to the variability of demand through a multidisciplinary approach.
In 2020, the Italian SpA alone will show a turnover of around 83 million euros (compared to 89 million in 2019) and a Group turnover of around 130 million euros.
The slight decline recorded in 2020 (-7.3%) has been caused by the postponement of some orders to 2021-2022, due to the COVID-19 pandemic emergency. Nevertheless, the company was called upon to play an essential strategic role to face this emergency by providing services in the health, energy, transport and logistics sectors, as well as procurement of medical equipment and devices.
Also for this reason – and for some recent acquisitions in the maintenance engineering sector – a strong increase in revenues is expected in the three-year period 2020-2022. The turnover forecast of the Italian Spa alone stands at 128.7 million in 2021 and 130, 6 million in 2022.
The compound annual growth rate (CAGR) is expected to be + 13.8%.
The contribution margin will increase from the current 25.6 million to 39.9 million euros in 2021 and 41.1 in 2022.
EBITDA will go from 8.6% to 15.5% in 2022.
|
economics
|
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