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https://whitehouseofmusic.com/instrument-sales/
| 2024-02-24T00:41:48 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474470.37/warc/CC-MAIN-20240223221041-20240224011041-00408.warc.gz
| 0.930739 | 172 |
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en
|
At White House of Music, we believe in providing you the best value every day! As your partner in making Music for Life, we believe that music should be affordable for everyone, that’s why our approach includes:
- Retail pricing that is as competitive as online, if not better!
- Deep discounts on used instruments
- Rental credit towards purchase
- Manufacturer incentives and rebates
- Flexible financing and payment options
- Monthly payment plans and annual plan discounts
- Seasonal sales and promotions
When you visit one of our multiple locations across Southeast Wisconsin, you’ll often see both the manufacturer’s suggested retail price and our lower price tag. It is our promise to you that when it’s time to buy a new or used instrument, we will give you the absolute best value. Guaranteed!
|
economics
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http://www.aygyfgtyab.ga/category/fitness/
| 2021-08-02T13:02:33 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046154320.56/warc/CC-MAIN-20210802110046-20210802140046-00328.warc.gz
| 0.965168 | 2,498 |
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en
|
In America, the overall health insurance plan market has altered promptly throughout the previous couple of decades. While in the 1970’s many people who had health insurance plan experienced indemnity insurance policies. Indemnity insurance policy is often referred to as fee-forservice. It’s the normal overall health insurance policy wherein the health-related supplier (typically a physician or medical center) is compensated a price for each assistance furnished for the patient included under the plan. A significant category related to the indemnity designs is usually that of consumer pushed health and fitness care (CDHC). Purchaser-directed overall health programs allow for people and households to own larger Command about their well being care, which includes when And just how they obtain care, what types of treatment they get and the amount of they shell out on wellness care solutions.
These designs are on the other hand linked to better deductibles the insured really have to pay out from their pocket ahead of they will declare insurance policy dollars. Purchaser driven wellness care programs incorporate Health and fitness Reimbursement Programs (HRAs), Versatile Paying out Accounts (FSAs), significant deductible well being designs (HDHps), Archer Health-related Discounts Accounts (MSAs) and Wellness Price savings Accounts (HSAs). Of these, the Wellness Financial savings Accounts are The latest and they’ve got witnessed immediate growth throughout the very last ten years.
Exactly what is A Health and fitness Personal savings ACCOUNT?
A Wellness Cost savings Account (HSA) is actually a tax-advantaged professional medical financial savings account available to taxpayers in the United States. The money contributed to your account will not be subject to federal revenue tax at time of deposit. These could possibly be utilized to purchase qualified health-related expenses at any time without having federal tax legal responsibility.
One more attribute would be that the cash contributed to Well being Financial savings Account roll about and accumulate yr about yr if not put in. These may be withdrawn by the staff at enough time of retirement with no tax liabilities. Withdrawals for skilled expenditures and interest attained also are not matter to federal cash flow taxes. Based on the U.S. Treasury Workplace, ‘A Overall health Discounts Account is an alternative to common health and fitness insurance policy; it is a personal savings item that provides a distinct way for individuals to pay for their well being treatment.
HSA’s permit you to buy recent wellness fees and conserve for long term experienced health care and retiree overall health fees on a tax-absolutely free basis.’ So the Well being Savings Account is undoubtedly an work to raise the effectiveness on the American wellness care procedure and to stimulate people to generally be far more responsible and prudent to their wellness treatment requirements. It falls during the category of consumer pushed wellbeing care options.
Origin of Wellness Savings Account
The Well being Discounts Account was proven underneath the Medicare Prescription Drug, Advancement, and Modernization Act passed through the U.S. Congress in June 2003, via the Senate in July 2003 and signed by President Bush on December 8, 2003.
The following folks are qualified to open up a Overall health Cost savings Account –
– Those who are covered by a High Deductible Health Prepare (HDHP).
– People not protected by other well being insurance policies plans.
– People not enrolled in Medicare4.
Also there aren’t any income limits on who might contribute to an HAS and there’s no necessity of getting attained cash flow to contribute to an HAS. Even so HAS’s cannot be set up by those people who are depending on some other person’s tax return. Also HSA’s can’t be put in place independently by little ones.
What on earth is a Superior Deductible Well being strategy (HDHP)?
Enrollment in a Higher Deductible Health Program (HDHP) can be a essential qualification for any person wishing to open a Wellness Financial savings Account. Actually the HDHPs obtained a boost because of the Medicare Modernization Act which released the HSAs. A Large Deductible Well being Program is a wellness insurance plan program that has a specific deductible threshold. This Restrict needs to be crossed ahead of the insured person can claim insurance money. It does not include 1st greenback clinical bills. So somebody should himself shell out the Original costs which might be named out-of-pocket prices.
In several HDHPs expenditures of immunization and preventive overall health care are excluded from the deductible which means that the person is reimbursed for them. HDHPs is often taken each by people today (self used along with used) and businesses. In 2008, HDHPs are being offered by insurance providers in America with deductibles starting from a minimum of $1,100 for Self and $two,200 for Self and Loved ones coverage. The utmost volume out-of-pocket restrictions for HDHPs is $5,600 for self and $eleven,200 for Self and Spouse and children enrollment. These deductible restrictions are identified as IRS boundaries as These are established by the Internal Revenue Services (IRS). In HDHPs the relation involving the deductibles as well as top quality paid out via the insured is inversely propotional i.e. bigger the deductible, reduce the top quality and vice versa. The most important purported benefits of HDHPs are that they are going to a) lower well being care fees by producing people for being a lot more Price-conscious, and b) make insurance policies premiums extra cost-effective to the uninsured. The logic is usually that in the event the individuals are thoroughly lined (i.e. have health designs with small deductibles), they are usually considerably less wellbeing aware and in addition significantly less Value aware when going for remedy.
Opening a Well being Financial savings Account
Somebody can Enroll in HSAs with banking institutions, credit rating unions, coverage companies and also other authorized providers. Even so not all insurance plan businesses present HSAqualified wellbeing insurance programs so it is vital to use an insurance company which offers such a certified insurance plan strategy. The employer may also arrange a program for the workers. On the other hand, the account is often owned by the individual. Direct on the web enrollment in HSA-qualified wellness insurance plan is obtainable in all states except Hawaii, Massachusetts, Minnesota, New Jersey, Big apple, Rhode Island, Vermont and Washington.
Contributions on the Wellbeing Personal savings Account
Contributions to HSAs could be made by a person who owns the account, by an employer or by almost every other individual. When made by the employer, the contribution is not really A part of the income of the employee. When produced by an employee, it is actually taken care of as exempted from federal tax. For 2008, the utmost amount of money that may be contributed (and deducted) to an HSA from all sources is:
$two,900 (self-only coverage)
$5,800 (relatives protection)
These restrictions are set from the U.S. Congress by means of statutes and they’re indexed on a yearly basis for inflation. For individuals over 55 years of age, There’s a Distinctive capture up provision that permits them to deposit extra $800 for 2008 and $900 for 2009. The actual maximum sum a person can add also depends on the quantity of months he is roofed by an HDHP (pro-rated basis) as of the 1st day of a month. For eg If you have family members HDHP coverage from January one,2008 right up until June thirty, 2008, then cease acquiring HDHP protection, you’re permitted an HSA contribution of six/twelve of $five,800, or $two,900 for 2008. In case you have family HDHP protection from January one,2008 until June thirty, 2008, and have self-only HDHP coverage from July one, 2008 to December 31, 2008, that you are authorized an HSA contribution of 6/twelve x $five,800 in addition 6/twelve of $two,900, or $four,350 for 2008. If an individual opens an HDHP on the main day of per month, then he can contribute to HSA on the first day alone. Nonetheless, if he/she opens an account on almost every other working day than the 1st, then he can add towards the HSA from the subsequent thirty day period onwards. Contributions is usually manufactured as late as April 15 of the subsequent 12 months. Contributions towards the HSA in surplus of your contribution limitations have to be withdrawn by the individual or be matter to an excise tax. The individual ought to spend profits tax on the surplus withdrawn quantity.
Contributions because of the Employer
The employer will make contributions to the worker’s HAS account under a salary reduction plan generally known as Part a hundred twenty five prepare. It truly is also referred to as a cafeteria strategy. The contributions produced underneath the cafeteria system are created on the pre-tax basis i.e. they are excluded from the employee’s earnings. The employer should make the contribution with a comparable foundation. Comparable contributions are contributions to all HSAs of an employer that are 1) exactly the same amount of money or two) a similar proportion on the yearly deductible. However, element time staff members who operate for less than thirty hours a week is usually treated separately. The employer could also categorize personnel into those that go for self coverage only and those who go with a spouse and children coverage. The employer can instantly make contributions to your HSAs over the behalf of the worker Except the employee particularly chooses not to possess such contributions because of the employer.
Withdrawals from the HSAs
The HSA is owned by the worker and he/she will make experienced charges from it Any time expected. He/She also decides just how much to add to it, how much to withdraw for competent costs, which business will keep the account and which kind of investments is going to be produced to grow the account. One more aspect would be that the resources continue to be within the account and function around from yr to yr. There are no utilize it or eliminate it regulations. The HSA contributors do not have to get advance acceptance from their HSA trustee or their medical insurance provider to withdraw money, as well as the resources are certainly not issue to money taxation if built for ‘competent clinical expenditures’. Capable healthcare expenses include prices for services and items protected from the overall health program but subject matter to Expense sharing such as a deductible and coinsurance, or co-payments, and also a number of other expenses not lined beneath professional medical strategies, like dental, eyesight and chiropractic care; tough professional medical tools for example eyeglasses and Listening to aids; and transportation bills relevant to health care care. Nonprescription, more than-the-counter medicines also are eligible. Having said that, qualified healthcare price must be incurred on or after the HSA was established.
Tax free of charge distributions is usually taken through the HSA to the certified medical expenditures of the individual covered via the HDHP, the wife or husband (even when not protected) of the individual and any dependent (although not included) of the individual.12 The HSA account can even be utilized to shell out preceding 12 months’s certified bills subject matter towards the issue that All those costs were being incurred once the HSA was build. The person have to protect the receipts for bills met through the HSA as They might be necessary to establish which the withdrawals in the HSA had been made for competent medical fees and never or else utilised. Also the person could possibly have to produce the receipts ahead of the insurance company to prove that the deductible limit was met. If a withdrawal is manufactured for unqualified professional medical costs, then the amount withdrawn is taken into account taxable (it really is included towards the people profits) and can be subject matter to an extra ten percent penalty. Usually The cash also cannot be useful for paying out professional medical insurance policies premiums. However, in specified instances, exceptions are allowed.
|
economics
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https://dig-eg-gaz.github.io/post/17-analysis-martinez/
| 2023-03-20T10:16:50 |
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|
Land Bank Stock Prices
My goal throughout my research in the Egyptian Gazette was see if there was a way to determine when there were ups and downs in the economy during the years of 1905 and 1906. More importantly, my focus was primarily on the “Land Bank of Egypt” stocks and prices throughout these two years. I found it easier to study this specific bank because it had the most different and abundant data out of the other banks and stocks. I was hoping to encounter some significant highs or lows in these two years, and if I did find any I would dig deeper and find the cause of this fluctuation in the market.
First, to be able to come up with enough data to analyze the “Land Bank of Egypt” I created an XPath query that gave me sufficient information to be able to look through the prices in an organized fashion. After a couple of different queries attempts, there was finally one that brought me almost exactly where I needed to be. With this query,
//table//cell[contains(.,'Land Bank of Egypt')]/following-sibling::cell/string(), I was to come up with the a refined set of numbers that showed the prices of only “Land Bank of Egypt” in all the financial tables that came up in the Egyptian Gazette. Coming up with a proper query that gave me the correct information that I needed was probably the most difficult part of the data analysis.
The next part of the process was to then clean up the data that I had come up with using the XPath query. Using atom, I had to clean up the data to be able to make a table or graph out of the data I had collected. This step of the process was not the most difficult, but definitely was the most tedious. Trying to use regular expressions to help clean up my results was also very frustrating. After a while, and after trying many different methods I finally came up with data was ready to be inputted into a line chart, which I thought would best represent the data. I encountered the problem that there were many of the same prices throughout the data, because this was on the templates we used. I decided to keep these prices in the data for now, until I can figure out if I am going to take out completely the template prices or keep them in the data.
Now that the data has been cleaned up and put into a chart anyone can see the fluctuations in prices throughout the years of 1905 and 1906. Instead of using Tableau I put in the dates and prices for the “Land Bank of Egypt” in excel because I am more familiar with it. In the prices column that I had created in excel, I put in a formula that found the minimum price from all the prices. It came back with the price of $8.00. This is how I was able to find where the price for the “Land Bank of Egypt” was the lowest. I plan on doing the same and inputting a formula that would give me the max of the prices but it seems that the template price is $239 which is the maximum price. This skews my data significantly and I am not sure what I will do to get past this.
Since there were so many prices that were from the template or missing, I came up with an idea that would fix the graph that I had started off with. I was able to find the average of the prices for each month in excel. After doing this the graph was much more clean and was easier to read and understand. At this point now I had some good data to work with, which was relieving. Below is the graph that has the averages of the prices of each month of 1905 and most of 1906. Finding the averages was very helpful because it really took away the random ups and downs that I found before due to the template prices.
After some research, I was able to find some information as to why there were some changes in prices and how international banking came to Egypt. The Franco-British entente of 1904 stimulated the influx of foreign capital and the creation of new banks (Cameron). In 1905 French capital created the Land Bank of Egypt through the initiative of the Societe Marseillaise de Credit and banks from Alexandria, Marseille, and London. In the graph you can see the decrease towards the end of the year in 1906. This is thought to be because of the approaching financial crisis that came about in 1907. After the full force of the crisis had passed there were three banks that were established in succession by French capital. The bringing up of these institutions drove into bankruptcy their competitors. This is why you can see the steep decline in the average prices of The Land Bank of Egypt. There were, however some strong moments in the life of the Land Bank of Egypt. In the beginning months the bank had a nice peak, and then had a steady level throughout the year. This was when the foreign banking system was just beginning and showed that it had a strong market in Egypt. The Land Bank of Egypt did trade different currencies, but for the sake of keeping the graph readable I only chose data of the same currency. By trading different currencies the Land Bank of Egypt was a very healthy and strong financial institution in the years of 1905 and 1906.
- Cameron, Rondo, and V. I. Bovykin. International Banking, 1870-1914. New York: Oxford UP, 1992.
|
economics
|
https://ladysready.com/18-million-us-kids-are-at-danger-of-starvation-how-is-the-drawback-being-addressed-and-what-extra-can-be-executed/
| 2021-01-27T14:03:55 |
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Editor’s word: The financial disaster caused by the coronavirus pandemic has elevated the variety of People who cannot at all times get sufficient to eat, together with kids. The Dialog U.S. requested 4 consultants to elucidate how frequent youngster starvation is and what’s being performed to handle it.
1. How huge an issue is youngster starvation within the US?
Heather Eicher-Miller, affiliate professor of vitamin science at Purdue College: Starvation has two very completely different meanings. It might describe that uncomfortable feeling you get after not consuming shortly. It is also a long-term bodily state.
Individuals who expertise long-term starvation aren’t simply uncomfortable. They will really feel weak point or ache and run an elevated danger of sicknesses, together with bronchial asthma, iron-deficiency anemia and poor bone well being.
Starvation can in fact come up when somebody would not eat sufficient, however it’s additionally a results of meals insecurity – what occurs once you lack the cash or different technique of accessing sufficient of the correct varieties or quantities of meals.
Whereas starvation is a bodily situation, meals insecurity is an financial and social scenario.
David Himmelgreen, professor of anthropology on the College of South Florida: Meals insecurity and youngster starvation have each skyrocketed throughout the COVID-19 pandemic. There have been an estimated 50 million food-insecure People by the top of 2020, up sharply from 35 million in 2019, the final yr for which official information is out there.
Feeding America, the nation’s largest anti-hunger group, estimated in 2019 that there have been 12.5 million U.S. kids – 1 in 6 – susceptible to starvation. With progress within the variety of American employees unemployed and kids dwelling in poverty, a group of researchers decided in July 2020 that 18 million kids – 1 in 4 – have been experiencing meals insecurity not less than typically, a couple of months into the coronavirus pandemic.
Kecia Johnson, assistant professor of sociology at Mississippi State College: Kids who expertise starvation usually tend to be sick, to recuperate from sickness extra slowly and to be hospitalized extra regularly.
Amongst different issues, being meals insecure will increase the potential for weight problems, coronary heart illness and diabetes, together with for kids. And food-insecure kids are not less than twice as possible as different youngsters to have a wide range of well being issues, corresponding to anemia, bronchial asthma and anxiousness.
Meals-insecure youngsters also can have extra bother in school than different kids and turn out to be extra more likely to expertise social isolation.
2. What’s being performed about the issue?
Diana Cuy Castellanos, assistant professor of dietetics and vitamin on the College of Dayton: Some 15 federal applications help People who need assistance getting sufficient nutritious meals to eat. The applications cowl completely different populations together with the aged, individuals with low incomes, infants and kids, and Native American communities, in addition to areas the place there’s want for emergency aid resulting from disasters.
The biggest is the Supplemental Vitamin Help Program, identified extra generally as SNAP. It gives help for the acquisition of meals based mostly on revenue and price US$85.6 billion within the newest fiscal yr. Following the passage of a bipartisan aid bundle in December, most households of 4 can presently get $782 in month-to-month help by way of SNAP.
Many individuals nonetheless name these advantages “meals stamps,” however now, as an alternative of receiving vouchers to buy meals, individuals obtain a card that appears like a bank card with their meals allowance on it.
The federal government additionally runs the Ladies, Infants and Kids program, which gives dietary help for low-income pregnant ladies, breastfeeding ladies and girls with not less than one youngster age 5 or beneath. As well as, there are the College Breakfast and Lunch applications in addition to the Summer season Meals Service Program, which funds free wholesome meals and snacks to kids and youths in low-income areas when college will not be in session.
Many of those applications goal particular segments of the inhabitants, corresponding to kids and the aged. All have one thing in frequent: They’re designed to assist low-income households afford meals in order to unlock extra of their restricted revenue on different wants, corresponding to housing and transportation.
Himmelgreen: Whereas federal vitamin applications have helped cut back the severity of meals insecurity and youngster starvation, solely a restricted variety of People who do not get sufficient to eat can benefit from them. To get SNAP in Florida, for instance, individuals might not have greater than a complete of both $2,001 or $3,001 – relying on their age and disabilities – of their financial savings and checking accounts. Different states have comparable however completely different restrictions, making it exhausting to estimate the variety of People who need assistance however cannot get it. Therefore, hundreds of thousands extra individuals than ever are counting on drive-through meals pantries throughout the pandemic.
Johnson: There are some 60,000 meals pantries, meal applications and meals banks, in line with Feeding America, serving about 40 million individuals yearly. Feeding America and its affiliated meals banks and pantries additionally run meals pantries in colleges and backpack applications, which give college students with simply ready meals, like boxed macaroni and cheese and canned beans, to take house, all through the nation.
For instance, an elementary college in Holmes County, Mississippi, has provided taking part households with meals and different provides since 2019.
Eicher-Miller: Vitamin schooling is one other solution to handle meals insecurity and assist cut back the variety of kids who go hungry. For instance, the federal authorities affords vitamin schooling to people and households who obtain SNAP advantages by way of the Supplemental Vitamin Help Program Training program, or SNAP-Ed. It gives complete vitamin schooling relating to tips on how to get essentially the most vitamin per meals greenback to most of the individuals who get SNAP advantages and could also be having bother serving their households wholesome meals on a restricted finances.
The federal government helps SNAP-Ed in places like meals pantries, group facilities and meals help places of work. Its sensible budgeting recommendation, cooking courses and vitamin info make households with kids much less more likely to expertise meals insecurity, in line with a examine by my group. When individuals get the grasp of shopping for the healthiest meals they will on a decent finances, their youngsters are much less more likely to go hungry.
I consider vitamin schooling as a present that retains giving within the sense that when somebody has the information they will hold utilizing it to remain meals safe into the long run.
3. What are a number of the extra promising improvements?
Cuy Castellanos: Meals insecurity is a posh drawback for a lot of causes, together with the restricted entry hundreds of thousands of individuals should the recent vegatables and fruits everybody ought to eat.
That is why I am excited to see individuals beginning to develop their very own meals in low-income communities with few grocery shops or alternatives to purchase produce, from Los Angeles to Philadelphia. Nonprofits and households are rising meals on their very own property or are utilizing vacant tons or land on college or church grounds.
Some teams corresponding to Homefull and Mission of Mary Farms in Dayton, Ohio, have even begun to construct greenhouses to increase the rising season and producing root greens and leafy greens in addition to elevating chickens.
[Get the best of The Conversation, every weekend. Sign up for our weekly newsletter.]
Johnson: A brand new group backyard can be making a distinction within the small majority-Black city of Maben in rural Mississippi, the place there’s nowhere to purchase greens. Beginning in 2019, native leaders accepted the conversion of a former college athletic discipline right into a group backyard. As soon as volunteers from a farmers cooperative had cleared and plowed the sphere, different volunteers planted and harvested crops of tomatoes, purple hull peas, okra and watermelons. The gardeners distributed this primary wave of produce primarily to aged individuals in Maben who used to have household gardens and provides away their very own homegrown meals in years previous.
Himmelgreen: Many revolutionary applications throughout the nation are aiming to cut back meals insecurity and enhance the well being of low-income People.
At “consumer meals alternative” meals pantries, purchasers do not simply choose up bins of free, nutritious gadgets. As a substitute, they get to decide on the meals they need and get recipes and different kinds of vitamin schooling. There are additionally meals prescription applications based mostly in hospitals and medical clinics, the place sufferers are screened for meals insecurity and, if eligible, enrolled in SNAP and given assist connecting with meals pantries both on web site or close by.
A rising variety of nonprofits additionally refer individuals to school-based meals pantries, which function in Ok-12 public colleges and on faculty campuses and the meals-on-wheels applications that help people who find themselves homebound.
I consider these applications must be scaled up or replicated every time potential in areas the place there’s a excessive degree of meals insecurity and youngster starvation however a scarcity of nonprofit assist accessible.
Heather Eicher-Miller, Affiliate Professor of Vitamin Science, Purdue College; David Himmelgreen, Professor of Anthropology, College of South Florida; Diana Cuy Castellanos, Assistant Professor of Dietetics and Vitamin, College of Dayton, and Kecia Johnson, Assistant Professor of Sociology, Mississippi State College
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economics
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http://www.miller-rosenbluth.com/services.aspx
| 2013-05-19T07:28:30 |
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Powers of a metropolitan district
County and municipal governments are often constrained in their ability to provide infrastructure to new development. The Colorado Revised Statutes provide in Title 32 for the creation of a local governmental entity called a special district, which can fill in some of the gaps that may exist between the services counties and municipalities are able to provide and the services the residents of a special district may desire. There are many types of special districts in Colorado, including water and sanitation districts, school districts, park and recreation districts and metropolitan districts. Metropolitan districts combine many types of functions and can be organized to provide any two or more of the following services:
1. street improvements
2. water facilities and services
3. sanitation facilities and services
4. park and recreation facilities
5. traffic related safety protection improvements
6. transportation facilities and services
7. television relay and transmission facilities and services
8. mosquito control facilities and services
The functions of a metropolitan district can include both the construction of improvements and the ongoing operation and maintenance of the improvements. Metropolitan districts must be publicly accountable, which means, among other things, that they must hold open meetings, give notice of all meetings, keep minutes and other records, hold elections for the governing board of directors, adopt annual budgets, and submit to annual financial audits.
A metropolitan district has various financial powers given to it by Title 32, including the power to tax and/or assess fees for the services it provides and to issue tax-exempt bonds to help pay for public improvements. The eligible electors within the boundaries of the metropolitan district must first vote in an election to authorize the metropolitan district to incur any general obligation or revenue indebtedness. Once approved by the electors within the district, the bonds are sold to investors and must be repaid over time with interest. The money from the bonds is used by the metropolitan district to pay for necessary public infrastructure like streets and traffic signals, sidewalks and median landscaping, water and sewer treatment plants and lines, storm drainage facilities and parks and recreation facilities. The metropolitan district pays for bonds it issues by levying a property tax on all the property within the district boundaries or by assessing infrastructure, tap or other fees, or through a combination of these methods.
The tax levy is the rate of tax applied to the assessed value of all the property within the district's boundaries. The "assessed value" of property is that portion of the total market value of property that can be assessed for property taxes. Currently in Colorado, 7.94% of residential market value is assessed for property taxes. The assessed value of a $100,000 home, for example, would be 7.94% of $100,000, or $7,940. If the total assessed value of property within the boundaries of a metropolitan district was $10,000,000, and the district's tax levy rate was 25 mills, then the district would collect $250,000 in annual property tax revenue (25 mills x $10,000,000 assessed value = $250,000).
A metropolitan district can use other means to raise revenue, including assessing fees, rates, tolls and other charges for the services it provides, and the district can use those fees to pay for the public infrastructure costs. Until paid, these fees, rates, tolls and other charges constitute a perpetual lien upon the property served by the public improvements, which may be foreclosed upon in the same manner as a mechanics' lien. A metropolitan district can also issue revenue bonds that are repayable from the fees, rates, tolls and other charges. Metropolitan districts, since they can offer many services, are often established by developers to finance, through the issuance of tax-exempt bonds and/or the assessment of fees, the infrastructure necessary to support a new subdivision. Streets, water and sewer lines, and other utilities must be provided to an area, which, prior to the subdivision's development, may have been vacant land. After the infrastructure is in place, the developer builds homes in the district. New and ongoing development increases the assessed value of the property within the district's boundaries, and provides the tax base necessary to generate the revenue required to make payments on the outstanding bonds.
The following actions are required in order to form a Title 32 special district:
- The process is initiated when the organizer of the special district submits a Service Plan to the Town Board of Trustees, City Council, or CountyCommissioners. The Service Plan must include a description of the proposed services, a financial plan of how the proposed services are to be funded (i.e., through a mill levy, the imposition of fees, or both); engineering and architectural surveys showing the location of the public improvements, maps, and other relevant information concerning the proposed district.
- A public hearing is held on the Service Plan following notice and publication of the hearing. The Town Board will approve or disapprove the Service Plan, with or without conditions.
- No Service Plan may be approved if a petition objecting to the Service Plan is signed by the owners of taxable real and personal property which equals more than 50% of the total valuation for assessment of all taxable real and personal property to be included in the district is filed with the Town Board.
- After the Service Plan of the proposed district is approved by the Town Board, a petition for the organization of the district and the authorizing resolution are filed in the appropriate district court. The petition must be signed by at least 30% or 200 of the taxpaying electors of the proposed district, whichever number is smaller.
- A court hearing is held with regard to the submitted petition following notice and publication of the hearing, and if it appears that the petition has been signed by the requisite number of persons and otherwise complies with all statutory requirements, the court will direct that the question of the organization of the district be submitted to the eligible electors within the district boundaries at an election. This election will occur either in May or November.
- If a majority of the eligible electors of the district vote in favor of the district's organization, the court will order the district organized. Only property owners (and their spouses) and residents within the boundaries of the district can vote in the election.
A metropolitan district provides for the infrastructure necessary for new developments. The district itself constructs the improvements, and only the property owners within the district are taxed for the cost of the improvements. The Town is never responsible for the obligations of the metropolitan district.
|
economics
|
http://iretiredunder40.com/
| 2015-07-01T12:43:52 |
s3://commoncrawl/crawl-data/CC-MAIN-2015-27/segments/1435375094931.19/warc/CC-MAIN-20150627031814-00155-ip-10-179-60-89.ec2.internal.warc.gz
| 0.962945 | 1,203 |
CC-MAIN-2015-27
|
webtext-fineweb__CC-MAIN-2015-27__0__175389866
|
en
|
Shopping for a car is something people have to do sometimes, and a lot of us dread doing it. Take the time to compare all your options and identify the ideal vehicle for your needs and your budget. This article has professional advice that can make your car buying experience better.
Try to stay in control of the negotiations with your salesperson. Don’t let them talk you into a vehicle that is out of your price range. A lot of people purchase a sports car solely because the dealer talked them into it. Keep in mind that a salesperson is trying their best to make a decent commission, so selling a more expensive car benefits them.
Go car shopping online before going to the dealership. The only time you ought to visit a dealership is when you absolutely know which brand and make you want. You can find information online that might not be offered by a dealership, such as reviews from current car owners, safety ratings and comparisons of similar models from different manufacturers.
Do not forget to do some research on the dealer before making an offer on a vehicle. You will have a negotiating advantage if you understand their trade and financing practices. Also, learning about their customer reviews can help you avoid getting ripped off.
Focus on the overall price, not the monthly price, in negotiations. A dealer can make any desired monthly price possible, but you’ll end up paying that monthly price for years and years, making the final cost of the car outrageous. It is a better idea to concentrate on getting a great deal on the final vehicle price, including the financing. From there, look into the monthly cost.
Ask to have the car looked at by your personal mechanic before you purchase it from a dealer. If your dealer does not want to do this, turn around and go somewhere else. A good mechanic can provide an impartial opinion regarding any problems with the vehicle, such as signs that the car has been wrecked or submerged in flood water.
You do not need to pay the full sticker price for your next car. No dealer truly expects you to pay exactly what they ask. If you do not feel comfortable with your negotiating techniques, bring a friend with you who is. Make sure you research the car you are interested in first, however, so you have some idea of what to offer.
Don’t expect to be in and out of the dealership. It is a bad idea to be in a rush, because it might cause you to make a poor deal. Keeping an afternoon open entirely is best. If for some reason you need to leave the dealership before you are ready, don’t panic. It is best to come back when you have more time.
Prior to purchasing a car, test drive it. It isn’t about the make or model but about the specifics of the car you may buy. There might be a slight difference or mechanical problems that you won’t pick up without a test drive.
Always check to see what safety features each car has. The brakes and suspension are two things to take into account when car shopping. It is also important to have air bags. You’ll be in this car a lot, so safety is essential.
Always test drive the car. Test drive the vehicle you have chosen before beginning negotiations. Nothing can compare to hands-on experience. You might just find something you do not like about the car.
Shopping for new cars can be fun and exhausting. Do not forget that you can shop for a car online from home, saving you a lot of time and making it more pleasant. Quite a few websites allow for this and it makes shopping for a car much easier as you can see comparisons for different vehicles right beside one another. Doing so reduces viable options, saving you money and time.
You should only provide a social security number if you are seriously considering making a purchase from that dealership. A lot of places can use this information and they’ll take it and use it to run your credit. Many credit report checks can be a red flag to financiers. First have an ironclad deal before giving your SS number.
Your trade-in should be kept a secret from the dealer. Don’t talk about trading your vehicle until you’re in negotiations about the new car you’re trying to get. Disclosing early will allow the dealer to alter the deal on the car.
Call the lot to see if they have the model you desire in stock. If you go there and they don’t have what you want, the salesperson will try to get you to buy a different car, even if it is not what you were looking for. Going to a dealership that doesn’t have the car you want is a big waste of time. Take the few minutes it takes to make a quick call first.
The goal of a salesperson is to make the highest commissions. Therefore, exercise good judgement when making a deal. Beware of all the extra stuff that they try to add onto a sale. Even a sweet deal of a car can rise up in price fast.
Consider fuel economy when purchasing your car. While it may cost more to purchase a fuel efficient vehicle, it will be worth it in the long run. Think about all of this before choosing a vehicle that fits your budget.
Before you buy anything, have a conversation with an insurance agent. They can give you an estimated cost for coverage. A car that seems affordable might turn out to be too expensive if insurance premiums for this make and model are too high. Look for a vehicle that will balance price with low insurance rates.
Loving the car you buy is possible on any budget. You will get a better deal if you come across as an educated customer. Use these ideas on your next car shopping adventure. You will definitely be pleased at how well these tips work to get you the price that you deserve.
|
economics
|
https://savekyiv.org/delivery/
| 2022-08-15T18:50:41 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882572198.93/warc/CC-MAIN-20220815175725-20220815205725-00746.warc.gz
| 0.91559 | 321 |
CC-MAIN-2022-33
|
webtext-fineweb__CC-MAIN-2022-33__0__161350597
|
en
|
HOW WE DELIVER NECESSITIES
Purchases in Europe ➔ Warehouse in Poland ➔ Delivery in Kyiv, Bucha, Borodianka, Irpin, Mykolaiv, Chernihiv, Kharkiv, Dnipro, Zaporizhzhia, Odesa, Kryvyi Rih, Sumy, Bakhmach, Avdiivka, and Poltava
We took care of all the logistics. First, we collect donations and purchase medicines, food, and equipment in Europe. Unfortunately, finding everything necessary in Ukraine is practically impossible now: the shelves in stores and pharmacies are empty, and there are enormous queues everywhere.
Next, we take the purchases to our warehouse in Poland, in Tomaszów-Lubelski town. From Poland, the necessities are taken to Lviv, and from there — to Kyiv.
In Kyiv, our volunteers take the necessities to the warehouse, upack them and pack into boxes destined to everyone we take care of. Our volunteers deliver the boxes to people in need across Kyiv within 1 day. Also, they deliver help to people in Bucha, Borodianka, Irpin, Mykolaiv, Chernihiv, Kharkiv, Dnipro, Zaporizhzhia, Odesa, Kryvyi Rih, Sumy, Bakhmach, Avdiivka, and Poltava. This is much safer and faster, plus many sick people just cannot go to the post office.
|
economics
|
https://powercarving.de/en/shipping/
| 2021-07-29T07:14:48 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046153816.3/warc/CC-MAIN-20210729043158-20210729073158-00710.warc.gz
| 0.899081 | 336 |
CC-MAIN-2021-31
|
webtext-fineweb__CC-MAIN-2021-31__0__61973981
|
en
|
Payment and shipping
The following conditions apply:
The goods are delivered worldwide.
Domestic deliveries (Germany):
We charge the shipping costs at a flat rate of 3.90 € per order.
We calculate the shipping costs abroad according to shipping weight:
International Shipping Zone 1-3
up to 1kg: 11,45€
from 1kg: 14,00€
International Shipping Zone 4-6
up to 1kg: 25,35€
from 1kg: 27,30€
Unless another deadline is specified in the respective offer, the goods will be delivered in Germany within 1 – 3 days, in the case of deliveries abroad within 3 – 5 days after the conclusion of the contract (in the case of agreed advance payment after the date of your payment instructions).
Please note that there is no delivery on Sundays and public holidays.
If you have ordered items with different delivery times, we will ship the goods in a common shipment, unless we have made any different agreements with you. In this case, the delivery time is determined by the item with the longest delivery time you ordered.
Accepted payment options
– Prepayment by bank transfer
– Payment via PayPal
– Payment by PayPal (credit card, direct debit, invoice if applicable)
– Payment by invoice
More details on payment
Payment by invoice is possible under the following conditions:
The invoice amount must be sumupiated within 10 days if paid on invoice.
Our bank details:
BIC/SWIFT code: WELADED1LOS
If you have any questions, you will find our contact details in the imprint.
|
economics
|
https://www.arschicago.com/could-you-benefit-from-new-hvac-installation/
| 2020-02-21T11:56:36 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875145529.37/warc/CC-MAIN-20200221111140-20200221141140-00475.warc.gz
| 0.948286 | 710 |
CC-MAIN-2020-10
|
webtext-fineweb__CC-MAIN-2020-10__0__161511086
|
en
|
An efficient HVAC system is the key to long-term home comfort. All HVAC equipment requires replacement eventually—most furnace systems will last 10-20 years, while air conditioners and heat pumps often last 10-15 years before replacement is required. While HVAC repair is often all it takes to solve common heating and cooling problems, there are some signs that new HVAC installation may be the best way to address frequent or serious breakdowns that affect your home’s comfort and the cost of your monthly utility bills.
Your HVAC System is 10 Years Old or More
The older your HVAC system becomes, the more likely it is to lose efficiency and develop problems. If your HVAC system needs major repairs and is well over a decade in age, it may be a good time to start thinking about new HVAC installation. Even after an older system is repaired, it may still not perform as efficiently as a newer model, simply due to age or advancements in heating and cooling technology that have been made since your current system’s installation. However, it’s important to note that maintenance history can play a large role in the efficiency of your HVAC system at every age. Even if your HVAC system is more than a decade old, if you have taken steps to maintain it properly over the years, you can expect it to last longer and perform better than a system that has not been maintained over the same length of time. A well-maintained furnace, air conditioner, or heat pump may last much longer and will perform better over the long term than a poorly-maintained system.
Your HVAC System Will Be Expensive to Repair
The price of home comfort should balance the results you get. If your HVAC system is aging or inefficient, the cost of major repairs may not be worth retaining a system that will cost you more to run each month than a newer, more efficient model. When considering the cost of repairs versus replacement, talk to your HVAC service expert about how the cost of your HVAC repairs measure up to the price of a new system. If the cost of your HVAC repairs totals more than half the cost of installing a new system altogether, it may be in your best interests to consider new HVAC installation. Particularly if you have been unhappy with the performance of your HVAC system in the past, installing a new system could be a smarter financial move than continuing to pay more than necessary for subpar home comfort, even after repairs. Alternatively, several small breakdowns that affect an older HVAC system may also be indicative that you can benefit from new HVAC installation, as even small repair bills can add up over time. If your HVAC system has been unreliable in the past few months or years, it’s a good idea to think about the benefits of purchasing a new system that will deliver problem-free heating and cooling right from the start.
Are you considering new HVAC installation in Chicago? We are pleased to offer top-quality heating and air conditioning equipment with professional installation and easy payment options to make getting a new HVAC system an easy and cost-effective way to enjoy greater home comfort. You can check us out on the web to learn more about our heating, air conditioning, and indoor air quality products, or click through our online blog for more home HVAC tips, information, and news.
|
economics
|
http://www.tbgcontracting.com/concrete-recycling/
| 2024-04-15T03:12:19 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816939.51/warc/CC-MAIN-20240415014252-20240415044252-00482.warc.gz
| 0.900674 | 403 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__138540346
|
en
|
Recycling concrete results in considerable savings for municipalities and promotes sustainability of landfills and natural aggregate reserves.
Landfill space in Alberta is expensive and has limited life expectancy. Reducing the amount of waste at the landfills, through recycling, prolongs landfill life and promotes sustainability.
TBG contributes to sustainable landfills through the recycling of concrete and asphalt from deconstructed municipality infrastructure. Our recycled concrete is suitable for re-use for drainage applications, sidewalk construction, and for other local construction projects.
Optimizing Municipality Budgets
Recycling concrete provides budget optimization opportunities for municipalities. Costs associated with transporting concrete to and disposal at landfills can be saved through using our Portable crushing plants, which can be mobilized to your demolition site to create recycled concrete for use at that site. In addition, using recycled concrete for municipal projects reduces virgin aggregate cost for municipality projects and preserves the life of natural aggregates reserves.
Cost Savings through Crushing Programs
Periodically, Lafarge will execute concrete crushing circuit programs which involve completing several concrete crushing projects within a single mobilization trip, with the intent of providing cost savings to municipalities.
To facilitate providing you a quote, a Lafarge crushing specialist can drive over to your facility to determine how many tonnes of concrete you have. The more concrete piles we crush in a circuit, the cheaper it is for everyone.
High Quality Recycled Concrete
Lafarge’s portable crushing plant can be easily transported to your concrete rubble site and has the ability to crush and recycle up to 2,500 tons of concrete per day in a single 12 hour shift. Our crushing plant is equipped with 2 self-cleaning magnets which remove metal from the processed rubble to create a 20mm crushed recycled concrete aggregate. With our rigorous QA/QC process, you can be assured of crushed concrete
that is consistently clean and reliable for your construction projects.
|
economics
|
https://soamazing.com/pages/free-gift-promotion
| 2024-02-21T15:09:25 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473518.6/warc/CC-MAIN-20240221134259-20240221164259-00345.warc.gz
| 0.953003 | 275 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__75799792
|
en
|
Our Free Gift with Purchase promotion allows customers to receive a complimentary gift when they make a qualifying purchase on our website. This is our way of showing appreciation for your support and loyalty.
To qualify for a Free Gift, your purchase must meet the specific criteria mentioned in the promotion's terms and conditions. These criteria could include a minimum order value, specific products, or other requirements. Please refer to the promotion details for accurate information.
Please note that the number of Free Gifts you receive will be based on the terms of the promotion. Even if your cart contains a higher quantity of items, we will only ship the expected number of Free Gifts as stated in the promotion terms.
If you believe there has been an oversight and you did not receive the correct number of Free Gifts as per the promotion terms, please contact our customer support team within 7 days of receiving your order. We'll be happy to assist you and ensure you receive the appropriate number of Free Gifts.
If you decide to return any items from your order that qualified you for the Free Gift promotion, you will also need to return the Free Gift. If you have opened/used or decide you want to keep the Free Gift, the retail price of the item will be deducted from your refund credit. Because the promotion is designed to reward qualifying purchases, returning those items would impact your eligibility for the Free Gift.
|
economics
|
https://www.urbanomicsplanning.com/about/
| 2023-12-06T02:03:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100575.30/warc/CC-MAIN-20231206000253-20231206030253-00285.warc.gz
| 0.938059 | 328 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__221176579
|
en
|
Matt Goulet, Principal
Urbanomics is led by Matt Goulet, a veteran land use and real estate consultant based in Los Angeles. Mr. Goulet has entitled and serviced more than 3 million square feet of floor area, 3000 residential units and 300 acres of infill development in the City of Los Angeles, County of Los Angeles and various other municipalities in California.
With a nearly 25-year background in engineering, business development, economic development and urban planning, he has worked with industries that form the backbone of the Southern California economy and job base including aerospace, manufacturing, theme parks and motion pictures. Matt has also created numerous studies on regional economic development, urban planning, real estate economics and goods movement for public agencies and private interests in California. Since 2007, he has produced over 100 land use feasibility evaluations and he has developed entitlement strategies and secured land use approvals for several major projects and landowners in Southern California.
In addition to serving as the Principal of Urbanomics, Matt serves as the Chairman of the Board for 1010 Development Corporation, a non-profit affordable housing developer in Downtown Los Angeles. Mr. Goulet holds a Bachelor of Science in Mechanical Engineering from the University of Maryland, an MBA from California State University Northridge, and a Professional Certificate in Real Estate Investments from UCLA. Matt also holds an FE/EIT certification in Mechanical Engineering from the Maryland Board of Professional Engineers and is a licensed Broker in the State of California. Furthermore, he served as a docent providing architectural tours for the Los Angeles Conservancy and on the Advisory Board and Management Committee for the Los Angeles Chapter of the Urban Land Institute.
|
economics
|
https://www.greenspringllp.com/valuation
| 2023-06-01T01:44:55 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224647525.11/warc/CC-MAIN-20230601010402-20230601040402-00460.warc.gz
| 0.870017 | 120 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__183706190
|
en
|
top of page
Green Spring provides independent valuations of businesses, business interests, and intangible assets for the purposes of estate planning, financial reporting, business and transactional support, and dispute resolution.
Our approach combines proven valuation techniques, thorough research and analysis, and an understanding of key value drivers to provide credible, well-supported opinions that withstand third party scrutiny and that enable timely and informed decision-making. Our valuation professionals regularly collaborate with Green Spring’s experts in tax, audit, and consulting to provide clients comprehensive insights and unparalleled service.
bottom of page
|
economics
|
https://rimjhimkhanna.com/2022/05/15/bespoke-manufacturing-company-bmc-chooses-lectras-solutions-to-automate-its-on-demand-manufacturing-2/
| 2022-05-25T19:00:00 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662593428.63/warc/CC-MAIN-20220525182604-20220525212604-00726.warc.gz
| 0.936705 | 910 |
CC-MAIN-2022-21
|
webtext-fineweb__CC-MAIN-2022-21__0__22610729
|
en
|
Lectra helps sustainable onshore manufacturer BMC go from design to print, cut and stitch in hours
New York, April 29, 2022 – A major global player in the fashion, automotive and furniture markets, Lectra designs industrial intelligence solutions (software, equipment, data and services) for brands, manufacturers and retailers. Lectra is equipping Bespoke Manufacturing Company (BMC) with its range of Gerber AccuMark® solutions and the Gerber Z1 cutting machine for its manufacturing site in Phoenix, Arizona.
A bespoke womenswear manufacturer, BMC is known for its revolutionary on-demand business model, which provides customized garments through onshore manufacturing to improve sustainability and profitability. All products are sold prior to production, minimizing fabric waste and excess inventory, which greatly reduces costs. By adopting this model, BMC also gains agility in helping its customers respond to sudden changes in consumer demand, tastes and preferences. “Our goal is to provide a viable alternative to the traditional supply chain by reducing production times from months to minutes,” says J. Kirby Best, managing director, Bespoke Manufacturing Company.
BMC chose Lectra’s Gerber Z1 cutter and Gerber AccuMark CAD system to power its iCreate.Fashion platform, which serves as the backbone of its on-demand factory. This technology ecosystem incorporates a digital printing solution, Kornit Presto, and AccuMark 2D from Lectra, AccuMark Made-to-Measure solutions, as well as GERBERcutter® Z1 that enable BMC to go from design to print, cut and stitch in minutes. , without having to face the risk of errors. With Lectra’s solutions, BMC can simplify and automate the on-demand production process, without having to deal with complex logistical problems and long lead times. As a result, they can achieve high productivity using fewer resources and manpower, ensure continued profitability, and expand their business to other regions with the same production model.
“Compared to mass production, the on-demand model fits well with the new fashion normality, as it digitizes the supply chain, creates minimal waste and is more agile to meet consumer needs. Traditionally, it is a complicated and tedious process, with long lead times. Our Industry 4.0 technology connects the dots to enable more and more pioneering companies like BMC to adopt this way of manufacturing without any of its drawbacks, thanks to automation. By helping BMC, we are fostering a flexible and responsible manufacturing mindset, which is a step towards the future of the fashion industry. At the same time, we are bridging the gap between profitability and environmental sustainability “, says Lenny Marano, President, Americas, Lectra.
As a major player in the fashion, automotive and furniture markets, Lectra contributes to the Industry 4.0 revolution with audacity and passion by providing the best technologies.
The group offers industrial intelligence solutions – software, equipment, data and services – that facilitate the digital transformation of the companies it serves. In doing so, Lectra helps its customers push their limits and unlock their potential. The group is proud to say that its 2,400 employees are driven by three core values: being open-minded thinkers, trusted partners and passionate innovators.
Founded in 1973, Lectra recorded a turnover of 388 million euros in 2021 and is listed on Euronext (LSS). For more information, visit lectra.com.
About the bespoke manufacturing company:
Custom Manufacturing Company, LLC. specializes in the production of one-off clothing activated by the purchase. BMC has developed technologically advanced manufacturing and distribution solutions for the on-demand apparel industry. Its factory model automates and integrates every aspect of the manufacturing process from order entry to delivery. Integrated components driven by complex software solutions allow BMC to produce unique SKUs on demand, thus eliminating inventory costs and simplifying the supply chain.
iCreate.Fashion (iCreateone, Inc.) is an industrial platform designed for brands and designers to create, track, store and distribute their traditional human-readable technology packages and their machine-readable Smart Tech Packs (STPs) to retailers and manufacturers globally. iCreate also built an Integrated Manufacturing System (M3) designed to eliminate as many human activities as possible in order to deliver customized on-off on-demand products.
BMC is located at 3100 East Broadway Road in Phoenix, AZ.
|
economics
|
https://www.valfresh.pt/index-en.html
| 2024-02-21T19:32:45 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473524.88/warc/CC-MAIN-20240221170215-20240221200215-00824.warc.gz
| 0.885856 | 187 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__112499032
|
en
|
We supply fruits and vegetables to supermarkets and wholesalers all over Europe, Africa and South America. We also regularly include new varieties of fresh produce.
Main markets: Poland, France, Netherlands
The United Kingdom, Spain, Angola, Morocco and Senegal.
Located in Ribatejo, Portugal, Valfresh Lda. is a company dedicated to the international trade of Vegetables and Fruits.
Our main activity is exporting fresh vegetables and fruits throughout Europe and Africa.
Our main objective is to maintain the highest standard of provided services to ensure our costumers needs are met.
Our most important values are our ambition to help and professional dedication.
We aim to create value for both our customers and suppliers, for our team, and for our region and country.
All products are classified and packaged according to our customer's requirements, regarding quality, food production standards and logistics.
You can count on us.
|
economics
|
https://julia-said.com/the-first-undressable-lady-dimitrescu-figurine-has-been-announced-the-photo-showed-her-naked-body/
| 2022-10-01T11:13:56 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030335609.53/warc/CC-MAIN-20221001101652-20221001131652-00639.warc.gz
| 0.965914 | 122 |
CC-MAIN-2022-40
|
webtext-fineweb__CC-MAIN-2022-40__0__248956406
|
en
|
According to the description, the base of the figurine has built-in LED lighting, which, when turned on, will create the effect of burning candles. The eyes of the vampire are made of glass, the clothes are made of fabric, and the stockings are made of silk.
As with other similar figurines, the circulation will be severely limited. Only 199 units will be produced worldwide. The pre-order is already open. Such a figurine will not be cheap at all. They ask for $ 850 for it. Buyers will receive their goods in the second quarter of next year.
|
economics
|
http://www.dixonandjohnstonpc.com/524977/2012/08/18/foreclosures-affecting-older-americans.html
| 2015-03-03T16:28:08 |
s3://commoncrawl/crawl-data/CC-MAIN-2015-11/segments/1424936463340.29/warc/CC-MAIN-20150226074103-00159-ip-10-28-5-156.ec2.internal.warc.gz
| 0.958902 | 510 |
CC-MAIN-2015-11
|
webtext-fineweb__CC-MAIN-2015-11__0__161788945
|
en
|
Between foreclosure fraud, plummeting house values, and a rocky financial outlook , millions of Americans have lost their home in the last five years. The older population has particularly suffered during this period. AARP estimates show that between 2007 and 2011, more than 1.5 million older Americans faced foreclosure as a result of the mortgage crisis. Here is a further look at how foreclosure is affecting an older population and how a bankruptcy lawyer can help.
Lack of Housing Security
The housing crisis of the last half decade rocked the American middle class to its core. While older Americans have always been considered more financially secure than other segments of the population, everyone’s foreclosure and bankruptcy rates have exponentially increased in the last five years. Older Americans are now carrying more debt than the used to, and millions are at constant risk of losing their homes. In fact, people over age 75 have a foreclosure rate of 3.2 percent compared to 3 percent for Americans between 50 and 64 and just 2.6 percent for those between the ages of 64 and 75.
A Look at the Numbers
Statistics from the last 5 years really illustrate the magnitude of the foreclosure crisis. AARP researched the housing security levels of older Americans, and found that among people over the age of 50, the percentage of loans that are seriously delinquent increased 456 percent during the five-year period of the recession. In 2007, the amount was 1.1 percent, and it increased to 6.0 percent by 2011. The AARP study notes that as of December 2011, 16 percent of loans of the mortgages held by Americans over the age of 50 were underwater.
Filing for bankruptcy can help you halt foreclosure and keep your home. If you are thinking about this process, contact an experienced bankruptcy attorney as soon as possible. Illinois residents who are thinking of this legal solution should contact the Belleville office of Dixon & Johnston, P.C. by calling (618) 233-1103. Our bankruptcy and foreclosure team will work to help you keep your home and stop the creditor phone calls once and for all.
The materials available at this website are for informational purposes only and not for the purpose of providing legal advice. You should contact your attorney to obtain advice with respect to any particular issue or problem. Use and access to this website or any of the links contained within the site do not create an attorney-client relationship. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney.
|
economics
|
https://maps.mixmarket.org/south-africa/
| 2019-09-21T11:20:00 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514574409.16/warc/CC-MAIN-20190921104758-20190921130758-00045.warc.gz
| 0.920409 | 635 |
CC-MAIN-2019-39
|
webtext-fineweb__CC-MAIN-2019-39__0__85101424
|
en
|
The South Africa Map of Financial Inclusion investigates the landscape for financial services in South Africa and provides access to data on the location of more than 38,000 points of service around the country. By mapping financial services providers, the site provides insight into the financial access and inclusion within South Africa. The site provides locations of bank branches and ATMs, post offices, microfinance institutions, salary-based microlenders, development programs and several thousand other credit providers, including pawn shops, retailers providing credit services, and lenders providing cash loans and vehicle finance.
Data on the location of institutions and branches have been collected using primary sources and web scraping to extract the numbers and locations of financial services from publicly available data, consolidated into a single database. For more on this dataset, please see our blog post.
Visit the MIX Market South Africa page for more information on microfinance institutions in South Africa.
Population estimates are provided for the second-level administrative area (metropolitan and district municipalities) for the year 2010. The population estimates were obtained and prepared by the U.S. Census Bureau for the U.S. Government President’s Emergency Plan for AIDS Relief (PEPFAR) HIV Spatial Data Repository. Estimates are consistent with midyear national projections from the U.S. Census Bureau International Database. Additional metadata provided by the HIV Spatial Data Repository.
Poverty ratio estimates for first-level administrative divisions (province) were obtained from the 2002 study, How Low Can You Go? Combining Census and Survey Data for Mapping Poverty in South Africa, published by the Journal of African Economies. Alderman et al. calculated a poverty headcount index based on observable characteristics of households and provided estimates by province. Alderman H., M. Babita, G. Demombynes, N. Makhatha, and B. Özler. 2002. “How Low Can You Go? Combining Census and Survey Data for Mapping Poverty in South Africa.” Journal of African Economies 11(2): 169–200. Abstract
Data about financial services and access were provided by FinScope. Percent financially excluded by province is an estimated measure of the number of individuals who do not use any formal or informal financial services. Percent never banked by province is an estimated measure of the number of adults who have never banked. Data was obtained from the Finscope South Africa 2010 survey.
This map uses two additional measures of accessibilty, locations per 100,000 and locations per 1,000km2. Locations per 100,000 adults was derived using the 2010 population estimates provided by the U.S. Census Bureau. The number of total financial institutions was divided by the number of individuals 15 years or older based on the age groupings by second-level administrative unit (metropolitan and district municipalities) provided in the population estimates. Locations per 1,000km2 was calculated using the derived area of each administrative unit. The total number of financial institutions was divided by the area (km2) of the second-level administrative unit (metropolitan and district municipalities).
|
economics
|
http://lyliuqing.en.alibaba.com/company_profile.html
| 2016-07-26T06:26:18 |
s3://commoncrawl/crawl-data/CC-MAIN-2016-30/segments/1469257824756.90/warc/CC-MAIN-20160723071024-00046-ip-10-185-27-174.ec2.internal.warc.gz
| 0.809818 | 506 |
CC-MAIN-2016-30
|
webtext-fineweb__CC-MAIN-2016-30__0__44224075
|
en
|
Linyi Liuqing Crafts Co., Ltd.
The supplier's company premises has been checked by Alibaba.com staff to ensure onsite operations exist there. A third-party verification company has confirmed the legal status of the supplier.
|Location:||Shandong, China (Mainland)||Verified|
|Main Products:||Willow Flower Basket,Willow Flower Pot,Willow Bicycle Basket|
|Total Employees:||51 - 100 People|
|Total Annual Revenue:||US$1 Million - US$2.5 Million|
|Top 3 Markets:||Western Europe 45.00% Eastern Europe 20.00% Central America 10.00%|
|Product Certifications:||Test Report|
Linyi Liuqing Craftwork Co., Ltd. is a professional manufacturer. Our company is located in "Co...
Linyi Liuqing Craftwork Co., Ltd. is a professional manufacturer. Our company is located in "County Of Willow Base in China" - Linshu County, Shandong Province, and the county is famous for rich and natural resources of willow, soft grass and wood.
Our products include grass and wicker baskets, wicker flower basket, gifts baskets, fruit baskets, laundry baskets, storage baskets, wicker pets beds, wicker coffines, wooden boxes, willow cabinets and wooden toys.
All products are sold to Europe, America, South Africa, Japan, Southeast Asia, Hong Kong, Macao and so on. Our wicker-grass and wooden products are popular in every corner of the world. We welcome all friends both at home and abroad to visit us and cooperate with us to create a bright future together
Production Capacity View More >
|Product Name||Units Produced (Previous Year)||Highest Ever Annual Output||Unit Type|
|willow gift baskets||200000||500000||Piece/Pieces|
|willow picnic baskets||150000||300000||Piece/Pieces|
|willow decorative crafts||300000||800000||Piece/Pieces|
Trade Capacity View More >
Trade & Market
|Main Markets||Total Revenue(%)|
|Export Percentage:||71% - 80%|
|Export Mode:||Have Own Export License|
|No. of Employees in Trade Department:||6-10 People|
Email to this supplier
|
economics
|
https://www.osmosunwater.solutions/en/project/oman-osmosun-3-bw-the-community-of-fathkait-dhofar/
| 2021-09-27T00:48:54 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780058222.43/warc/CC-MAIN-20210926235727-20210927025727-00102.warc.gz
| 0.843691 | 172 |
CC-MAIN-2021-39
|
webtext-fineweb__CC-MAIN-2021-39__0__244562794
|
en
|
In Oman, the community of Fathkait, Dhofar is provided with drinking water
OSMOSUN® 3 BW unit with the view of the installation of solar panels
OSMOSUN® 3 BW unit – Oman, Fathkait community
The OSMOSUN® 3 BW unit producing 21 m3 of clean water per day operating only with solar energy, without batteries.
MASDAR has financed and installed 50 MW of wind power in Oman. In this momentum MASDAR financed the OSMOSUN® 3 BW water production unit of Mascara NT which produces 21 m3 per day of drinking water for the population of the community of Fathkait, Dhofar in the desert of Oman. A project with the on-site relay and the participation of Mazoon FAHOUD Trading Ltd.
|
economics
|
https://www.pipecaregroup.com/gulf-investment-corporation-acquires-equity-stake-in-pipecare-group-holding/
| 2023-12-05T08:40:19 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100550.40/warc/CC-MAIN-20231205073336-20231205103336-00236.warc.gz
| 0.941519 | 514 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__209352772
|
en
|
Gulf Investment Corporation Acquires Equity Stake in PIPECARE Group Holding
Gulf Investment Corporation, G.S.C. (GIC) has acquired a significant minority stake in the UAE-based PIPECARE Group Holding, a leading provider of engineering and inline inspection tools for the oil and gas industry. The transaction was completed on Abu Dhabi’s ADGM on November 15, 2023.
Given the strong market momentum, GIC’s investment in PIPECARE will accelerate the realization of the group’s vision to become a global leader in pipeline inspection and integrity technology and services. PIPECARE will leverage GIC’s participation and fresh capital injection to strengthen its regional outreach and international expansion, especially in the North American market, with its premium offering of high-end in-line inspection technologies.
“We are excited to enter a new phase in our company’s growth in partnership with GIC to further develop our technology and play a critical role in supporting our customers in the safe delivery of energy, while meeting the challenges of the energy transition” said Dr. Khaled El-Shami, founder of PIPECARE Group and Chairman of the Board of Directors.
“This investment highlights the interest of GIC in partnering with a successful GCC company to help it expand its operations outside the region”, said Mr. Meshary Al-Judaimi, Group Head - Principal Investments at GIC. “The company is positioned for rapid growth in the near future and our investment reaffirms our belief that PIPECARE and its management team will deliver real value” added Mr. Al-Judaimi.
PIPECARE Group, founded in 1998, serves as a major provider of In-Line Inspection services to national and international pipeline operators, covering more than 85 countries. Over the last 25 years, PIPECARE has inspected more than 750,000 kilometers of pipelines with a large fleet of inspection tools, ensuring integrity and safe operations of their clients’ assets. PIPECARE has been providing innovative and adaptive engineering services along with predictive AI software solutions.
Gulf Investment CorporationFounded in 1983 by the Gulf Cooperation Council (GCC), GIC is a financial institution equally owned by the six member states of the GCC. GIC is a principal investor that supports the development of private enterprise and economic growth in the region. It aims to promote economic cooperation and growth throughout the region and beyond through its equity commitments.
|
economics
|
https://www.kr-zlinsky.cz/zlin-region-s-assembly-cl-229.html
| 2023-03-30T21:10:42 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296949387.98/warc/CC-MAIN-20230330194843-20230330224843-00495.warc.gz
| 0.915727 | 279 |
CC-MAIN-2023-14
|
webtext-fineweb__CC-MAIN-2023-14__0__147472771
|
en
|
The supreme body of the regional self-government, Zlín Region’s Assembly, consists of 45 representatives elected by direct universal suffrage for a four-years term. The members of the Assembly elect from among them members of the Regional Council that consists of the Governor, Deputy Governors and other members (Councillors). The Assembly convenes at least once every three months and its sessions are open to the public.
Pursuant to applicable law, the Assembly is entitled to submit motions and bills to the House of the Representatives of the Parliament of the Czech Republic; submit proposals for revocation of certain acts to the Constitutional Court; issue Region’s generally binding decrees; co-ordinate regional area planning; approve developmental programmes and provide for their implementation; approve regional tourism development schemes; set the scope of basic public transport services in the region; make decisions concerning international co-operation projects; approve the Region’s budget and balance sheet; establish and disband contributory organizations; establish trading companies, committees etc.; and make decisions concerning the following actions affecting property rights: purchase and transfers of immovable property, providing subsidies to municipalities, providing subsidies in excess of CZK 200,000 to other subjects, etc.
třída Tomáše Bati 21
761 90 Zlín
|
economics
|
http://moldamatic.com/about-us/
| 2019-01-18T16:22:13 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583660175.18/warc/CC-MAIN-20190118151716-20190118173716-00153.warc.gz
| 0.963715 | 477 |
CC-MAIN-2019-04
|
webtext-fineweb__CC-MAIN-2019-04__0__22995699
|
en
|
For over 50 years Moldamatic has been focused on providing our customers with world class injection molded plastic products and services. We are a quality driven, customer focused, and experienced full-service injection molder. Our customers range from small businesses to Fortune 100 companies.
In fact, our multi-faceted Management Team brings a wealth of proven industry experience and knowledge to your plastics and injection-molding requirements. We serve multiple vertical industries and have historically been proven to be very competitive in today’s demanding marketplace offering a myriad of injection molded solutions.
Moldamatic, LLC prides itself on all our services being available under one roof. When our customer’s take advantage of this option we are better able to maintain a standard of quality that surpasses our competitors. However, we are with our customer through every step of the process, whether they decide to stay in house or outsource to one of our trusted offshore partners. This has allowed us to build long lasting relationships with our customers and provide them with:
Moldamatic, LLC was founded in 1967 by William Spolar with two injection presses, venture capital, and a small base of customers. William had recognized the importance of plastic and took his expertise in metal tool and die design and started to design plastic injection molding.
At that time, we offered engineering, mold building, the production of parts, and custom services that we could gear towards any industry. For over ten years we worked on gaining our foothold in the business community under our founder.
In 1976 William Spolar passed away. His son, William A. Spolar became the President of Moldamatic. Together with his sister and Vice President in an advisory role Mary Anne, William A. Spolar continued to grow the company to become what his father had envisioned.
Today, Moldamatic, LLC has grown from a small custom injection molder into a global player. We do business in the USA, Canada, Mexico, Great Britain, and the Caribbean. We continue to maintain strong, lasting relationships with our customers and we operate under the same core values we were founded on.
We strive to be more than just a vendor to our customers. We strive to be an extension of your manufacturing efforts and a partner in your success. We look forward to working together and becoming a part of your organization.
|
economics
|
http://lebanonfcu.org/share.html
| 2013-12-09T22:03:17 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386164000828/warc/CC-MAIN-20131204133320-00075-ip-10-33-133-15.ec2.internal.warc.gz
| 0.897731 | 397 |
CC-MAIN-2013-48
|
webtext-fineweb__CC-MAIN-2013-48__0__120502952
|
en
|
Share (Savings) Accounts
and direct deposit are available on all share accounts
Our Regular Shares are the backbone of your LFCU account. Whatever your financial goals
are, our Regular Shares account will bring you one step closer to them. Not only will you
earn competitive dividends, but you will enjoy convenient account access through MAC/ATM
machines and our Phone (Personal Access Teller) Teller.
Maintaining a minimum balance of $25 in a Share/Savings account is required to maintain
your membership in Lebanon FCU. Your Share/Savings account can be single or joint and
earns dividends on a monthly basis.
Money Market Share Account
Looking for an investment account that offers you a high return on your investment
dollars and the ability to access your funds with check writing capabilities?
Consider the advantages of a Money Market account with Lebanon FCU. With a minimum opening
balance of $2,500, you can set up a Money Market Shares and get a higher rate on your
savings than you would with Regular Shares. Other features include:
- Earn higher dividends on balances of $2,500 or more. And even higher dividends on
balances above $50,000, $75,000 and $200,000.
- Write up to three checks or make a total of six transfers per month, with a minimum of
$250 per withdrawal.
- Free checks.
Check our latest interest
Need more information on our Savings Shares?
Call (717) 272-2210 or (800) 489-5328, extension
Be aware that by continuing on you will be leaving www.lebanonfcu.org and viewing content from another website not under the control of the Lebanon Federal Credit Union. LFCU cannot be held responsible for it's content or any activity entered into by a member and the third party vendor.
|
economics
|
http://jaensch.com/carat-weight/
| 2022-05-28T10:08:11 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652663016373.86/warc/CC-MAIN-20220528093113-20220528123113-00636.warc.gz
| 0.947691 | 621 |
CC-MAIN-2022-21
|
webtext-fineweb__CC-MAIN-2022-21__0__255373128
|
en
|
The weight of diamonds and gemstones is measured in standardized metric carats (abbreviated ct) and must not be confused with the ‘caratage’ or purity of precious metals. The name ‘carat’ comes from carob seeds which were historically used as counterweights and are by nature unusually uniform.
One carat equals 0.2grams and 5 carats amount to 1 gram. 1 carat may further be subdivided into 100 points. Small diamonds below 1ct total weight are hence also known as ‘pointers’ in the diamond trade. Pointers of equal to or less than 15 points (pts) are referred to as melée or smalls. These are often measured in millimeters and commonly sieved for fast sorting.
Generally speaking the larger a diamond, the rarer it is, the higher its price will be. This correlation between weight (size) and price is essentially near perfect until a stone reaches a size of approximately 15 to 20ct. Beyond this range the per-carat-price relationship effectively becomes invalid and the price curve flattens. This is primarily due to the lack of practical use for giant stones as wearable ornaments.
The weight of a diamond has further indirect implications.
A well cut stone for example will usually show a sufficiently large face (surface area) due to an expected spread or diameter that is closely correlated with its true weight. Poorly cut stones on the other hand may be deep. However this relationship is not perfect and weight particularly difficult to estimate in smaller stones. When buying diamonds one is hence advised to compare the actual weight to the relative diameter in case of round stones or against the [length x width] figure when assessing fancy shapes. This is important as diamantaires will adjust pricing of stones accordingly.
Prices on a per-carat-basis of stones approaching the next size up, so called ‘oversizes’, are higher than those for stones situated at the bottom of the respective carat size class. For example a price premium will apply to a 1.80ct stone (all other factors equal) relative to the price of a 1.50ct diamond. Such pricing behaviour effectively smoothes out the price curve.
This however does not contradict the percs of buying a ‘shy’ carat diamond. These are stones just below a psychological ‘size’. A good example would be a 1.98ct instead of 2.00ct diamond. Since prices jump at certain weight boundaries, significant savings would be expected. Such a ‘shy’ two carat stone would essentially still look the same size as a true two carat stone and be considered a savvy buy.
Lastly certain cultural superstitions affect marketing of particular sizes nowadays. 8ct diamonds for example attract prosperity according to Chinese who are thus willing to pay premiums for such stones. Contrarily 4ct diamonds are avoided by the Sino market as the number is a harbinger of bad luck.
|
economics
|
https://www.smmash.no/content/regulamin
| 2019-02-23T00:29:11 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550249414450.79/warc/CC-MAIN-20190223001001-20190223023001-00060.warc.gz
| 0.931398 | 4,289 |
CC-MAIN-2019-09
|
webtext-fineweb__CC-MAIN-2019-09__0__224087893
|
en
|
Rules of the "SMMASH"
Information on the Seller
- The rules of the "SMMASH" e-shop specify types, scope, and conditions of services and sales of Goods online via the B2B platform with the www.b2b.smmash.eu domain and the e-shop operating with the domain of www.smmash.eu, which belongs to "Complete Brand Management" sp. z o.o. sp. k. with the registered office in Łódź, ul. Rewolucji 1905 r. no. 82, entered in the Register of Entrepreneurs with the no.: 0000464687, NIP: 725-206-85-21, whose registration documents are kept by the District Court for Łódź-Śródmieście in Łódź, Commercial Division XX of the National Court Register.
- It is possible to contact the Seller from Monday to Friday, from 10:00 a.m. to 04.00 p.m. via:
- e-mail address: [email protected],
- phone no.: +48 42 288 10 81.
The following expressions used herein have the following meaning:
- Consumer – Purchaser who is a natural person performing a legal transaction which is not related directly to their economic or professional operations.
- Buyer – Consumer or Entrepreneur who sets up an account in the Shop in order to make a sales agreement with the Seller. In case of natural persons, only a person with full capacity to perform legal transactions may be a Client.
- Entrepreneur – Buyer who is a natural or legal person or an organizational unit with no legal personality, conducting economic or professional operations.
- Rules – these Rules.
- Shop – B2B sales platform with the domain of www.b2b.smmash.eu and the shop operating with the domain of www.smmash.eu, which act as agents for the Seller in sales of the Seller's Goods.
- Seller – "Complete Brand Management" sp. z o.o. sp. k.
- Retail Sale – sale of up to 10 pieces of Goods and sales to Consumers.
- Whole Sale – sale of Goods to Buyers registered as whole sellers.
- Goods – Goods offered by the Seller for sale via the Shop and Goods produced at a Buyer's individual request.
- Agreement – agreement concerning sale of Goods made by the Buyer with the Seller via the agency of the Shop.
- Service – services provided by the Seller on-line based on the Rules.
- The Seller provides Services on-line within the meaning of the Law of 18 July 2002 on providing services on-line (Dziennik Ustaw [the Polish Journal of Laws] of 2002, No. 144, item 1204, as amended).
- Access to the Shop is provided upon principles specified in the Rules and it is free to all Buyers who are connected to the Internet.
- Before starting to use the Shop, the Buyer is obliged to read the Rules. The Seller provides access to the Rules free of charge, in the form which enables downloading, saving, and printing.
- By registering an account in the Shop, the Buyer acknowledges that they have read the Rules and that they accept all provisions hereof. The Buyer is obliged to observe provisions of the Rules.
Technical Conditions of Using the Shop
In order to use the Shop properly, it is necessary:
- to have a device with an access to the Internet,
- to have a web browser and software enabling the use of websites,
- to have an active and correctly configured e-mail account.
Scope and Conditions of Providing Services
Types of Services Provided On-line
The Seller provides on-line services which consist in:
- providing on-line access to the Shop and enabling the Buyers to place orders and make sale agreements with the Seller via the Shop,
- sending ordered bulletins and information on the offer of the Shop by e-mail,
- enabling the Buyer to download Goods sheets, catalogues, technical sheets, and other contents provided by the Seller from the Shop website.
Making an Agreement on Provision of Services
- The Seller provides Services free of charge.
- Services are provided after the Buyer registers their account in the Shop. To register an account, it is necessary to:
- provide the Buyer's data, i.e. user name, e-mail address, and password,
- read the Rules and accept them,
- accept the activating link sent by the Seller to the e-mail address specified by the Buyer.
- Data is provided voluntarily by filling in the registration form.
- Agreement on provision of Services is made for an unlimited period of time.
- The Buyer has the right to terminate the agreement at all times. Termination of the agreement means closing the account in the Shop.
- The Seller is authorized to terminate the agreement on provision of Services and to block the access to the account or delete the Buyer's account with a two-weeks' notice if the Buyer uses the Services with violation of law or provisions of the Rules.
- The agreement is terminated with a termination notice sent by e-mail or post to the recipient's address.
- In case of termination of the agreement by any party, the Seller is obliged to delete the Buyer's account immediately, no later, however, than within five working days following the date of receiving the termination notice.
- The Seller may refuse to make an agreement on provision of services and delete the Buyer's account if it has been set up again after termination of the agreement by the Seller and deletion of the account at the Shop as a result of a violation by the Buyer of legal regulations or provisions hereof.
Principles and Conditions of Making Sale Agreements
Making a Sale Agreement
- The Seller offers Goods for sale which are included in its current trade offer and Goods manufactured at the Buyer's individual request via the Shop. The trade offer of the Seller includes descriptions of significant properties of the Goods and their net and gross prices. Prices binding to the consumers are gross prices.
- Placing of Goods in the Shop is an invitation to the Buyer to place an offer (order) within the meaning of the Civil Code.
- Orders may be placed at the Shop all day, seven days a week, all days a year.
- To place an order, the Buyer, in particular, has to specify the Goods, their quantities, method of payment and delivery, and data required to complete the order i.e. the Buyer's name, address, and phone number. In case of Buyers who are entrepreneurs, their NIP (tax identification) number and name of the company are also required.
- The sale agreement is made when the Seller accepts the order placed by the Buyer or when the Seller starts to process the order. The Seller immediately informs the Buyer that it has accepted the order by sending a relevant message via the B2B selling system or by e-mail.
- If the Buyer provides incorrect or wrong data in the order, the Seller will attempt to contact the Buyer in order to correct it. If it is not possible to contact the Buyer or to correct the mistakes, the Seller is authorised to cancel the order. The Seller is obliged to notify the Buyer of the fact if possible.
- The price of the Goods is determined based on prices specified when the Buyer places an order. The selling price includes VAT. The total price specified when an order is placed includes the price of the ordered Goods and costs of delivery. Delivery costs differ depending on the delivery method selected by the Buyer.
- The Buyer may choose one of the payment methods provided for by the Seller, including advance payment by transfer or payment at delivery on conditions specified below.
- In case of a sale with an advance payment, the Buyer pays for the purchased Goods immediately after placing the order, by transfer to the bank account specified by the Seller.
- If the payment is not made within 5 days following the order, the Seller cancels the order and notifies the Buyer of the fact.
- The Buyer may choose payment at delivery if the registered office of the Buyer and the delivery place is located in:
- Poland and the payment does not exceed:
- PLN 1,000 for retail sale,
- PLN 2,500 for whole sale,
- Germany and the payment does not exceed:
- EUR 200 for retail sale,
- EUR 500 for whole sale.
- If the Buyer chooses payment at delivery, the Buyer is obliged to pay for the ordered Goods upon receipt. The Buyer pays the price directly to the delivery person.
- When placing an order, the Buyer selects the method of delivering Goods out of the methods provided for by the Seller (courier, courier with payment at delivery, collection by the Buyer).
- Delivery costs depend on method of delivery, weight of the parcel, and the payment method. The Buyer is notified of the delivery costs upon placing the order. Delivery costs are paid by the Buyer.
- Order completion period is:
- 14 days for the Goods manufactured at the Buyer's individual order and for whole sale of Goods,
- 5 working days for retail sale of Goods.
- The Buyer is obliged to check the contents of the parcel in the presence of the courier or postman in order to confirm whether the contents are compatible with the order and whether no damage was caused during transport. In case of any damage to the parcel, the Buyer is obliged to notify the delivering entity of the fact and immediately contact the Seller.
- In case of international sales to Entrepreneurs, the place of performance of the agreement is the delivery place for ordered Goods to the registered office of the first carrier performing the delivery or the place where the ordered Goods were left at the first carrier's disposal for the purpose of delivery.
- The Seller sends VAT invoices on-line to Buyers who have consented to such method of delivery. In other cases, the Seller delivers VAT invoices to the Buyer with the ordered Goods.
Liability of the Seller to Entrepreneurs
Guarantee of Quality
- All Goods offered via the Shop are new and free from physical and legal defects.
- The Seller grants a 12-months' guarantee of quality for all offered Goods. The granting of the guarantee excludes the application of provisions concerning statutory guarantee for defects of sold Goods.
- To exercise the guarantee rights, it is required to make a written complaint within 14 days of discovering a defect of the purchased Goods and to deliver the defective Goods with a proof of purchase to the registered office of the Seller. The complaint should include the name of the Entrepreneur, contact data, and a description of the discovered defect. The Entrepreneur loses its guarantee rights if it fails to meet the conditions listed above.
- Complaints are processed within 14 days following the date they were made.
In case the discovered defects are confirmed, the Seller, under the granted guarantee, is obliged to replace the defective Goods with the Goods which are free from defects. The Goods are replaced within the period for processing the complaint.
- Costs of packaging and dispatch of the Goods under complaint are paid by the Entrepreneur.
Liability for Goods
Manufactured on an Individual Request
- The Seller is not responsible for:
- defects of non-standard Goods manufactured at the Entrepreneur's individual request if such defects are a result of manufacturing the Goods based on materials provided by the Entrepreneur, according to its instructions and guidelines,
- violation of copyright or any other rights of third parties if it was related to the use of trademarks, logos, and graphics provided by the Entrepreneur in connection with completing the Entrepreneurs individual order.
- When providing the Seller with trademarks, logos, and graphics for the purpose of completing an individual order, the Entrepreneur represents and warrants that it is the owner of all economic and moral copyright and derivative rights to the provided materials or that it has obtained a written consent of the owner for the use of those materials by the Seller for the purpose of the completed order.
- The Entrepreneur is fully responsible for and is obliged to indemnify the Seller against any claims of third parties resulting from the violation of its copyright to the materials provided by the Entrepreneur. If the indemnification of the Seller against such a violation is impossible or ineffective for any reasons, the Entrepreneur is obliged to pay all costs and losses incurred by the Seller in relation to raised claims. In particular, in case of any negligence of its obligations to the Seller, the Entrepreneur is obliged to pay the Seller compensation for performing the agreement improperly.
Liability of the Seller to Consumers
Withdrawal from the Agreement
- Consumers have the right to withdraw from a sale agreement made via the Shop on principles under the Law of 02 March 2000 on protection of certain consumers' rights and liability for loss caused by a hazardous product (Dziennik Ustaw no. 22, item 271, as amended).
- Entrepreneurs do not have the right to withdraw from an agreement due to their economic and professional activities.
- The right of withdrawal may be exercised within 10 days following the date of delivering the Goods according to Article 7(1) of the Law specified above. To observe that period, it is sufficient to send a representation concerning a withdrawal from the agreement before the expiry of the period. The Seller provides the specimen representation concerning a withdrawal from the agreement free of charge.
- The representation concerning a withdrawal from the agreement should be made in writing and should be sent to the Seller's address. The Buyer is obliged to send the Goods in respect of which the Buyer withdraws from the agreement to the Seller's address referred to above within 14 days following the date of sending the representation concerning a withdrawal from the agreement. The parcel should be labelled "Returned Goods".
- All direct costs of delivering the representation concerning a withdrawal from the agreement to the Seller and of returning the Goods are paid by the Buyer.
- The Entrepreneur is obliged to immediately return, to the consumer, all payments made by the consumer, including costs of delivering things, no later than within 14 days following the receipt of the consumer's representation concerning a withdrawal from the agreement.
- In case of a withdrawal from the agreement, the Seller immediately returns, to the Consumer, all payments made by the consumer, including costs of delivering things, no later than within 14 days following the receipt of the Consumer's representation concerning a withdrawal from the agreement.
- The right to withdraw from the agreement does not apply to non-standard Goods, manufactured according to the consumer's specification or for satisfying the consumer's individual needs.
Incompatibility of Goods with the Agreement
- The Seller is responsible to Consumers for incompatibility of Goods with the agreement under the Law of 27 July 2002 concerning special conditions of consumer sale and amendment of the Civil Code (Dziennik Ustaw 2002, no. 141, item 1176, as amended).
- The Seller is not responsible for incompatibility of consumer goods with the agreement if the Consumer had known about the incompatibility when making the agreement or, judging reasonably, should have known about it.
- The Seller is not responsible for defects of non-standard Goods manufactured at the Consumer's individual request if such defects are a result of manufacturing the Goods based on materials provided by the Consumer, according to their instructions and guidelines.
- When providing the Seller with trademarks, logos, and graphics for the purpose of completing an individual order, the Consumer represents that they are the owner of all economic and moral copyright and derivative rights to the provided materials or that they have obtained a written consent of the owner for the use of those materials by the Seller for the purpose of the completed order.
- The Seller is responsible for incompatibility of goods with the agreement if such incompatibility is found within two years following the delivery of the Goods to the Consumer. That period starts anew in case of any replacement or repair of Goods.
- In case of any incompatibility of the Goods with the agreement, the Consumer should notify the Seller of the incompatibility within 2 months following the discovery. To observe that period, it is sufficient to send a notification before the expiry of the period. The Consumer is obliged to draw up a written description of the discovered incompatibility of the Goods with the agreement and to specify whether they request that the Goods be repaired or replaced with new ones.
- The Consumer should send the Goods incompatible with the agreement to the Seller's address. The Goods should be packed in a manner which prevents damage and they should be accompanied by all additional elements delivered with the Goods.
- The Seller informs the Consumer about the refusal or acceptance of the request within 14 days following the receipt of the Goods.
- If the Goods are accompanied by a manufacturer's guarantee, the Consumer may address their claims according to the provisions of the guarantee.
Protection of Personal Data
Personal Data Processing
- The Seller is a personal data administrator within the meaning of the Law of 29 August 1997 on personal data protection (Dziennik Ustaw No. 133, item 883, as amended), hereinafter referred to as the Law.
- The Seller has the right to process personal data of the Buyer provided in the registration form and in the order under Article 23(1)(3) and Article 23(4) of the Law for the purpose of performing the sale agreement, in relation to direct marketing of the Seller's Goods and services, and for the purpose of pursuing claims on account of the conducted economic operations.
- The Buyer may agree to receive commercial information by e-mail.
- The Buyer may resign at all times from receiving commercial information sent by the Seller. To resign from receiving commercial information, the Buyer has to send a representation concerning resignation to the Seller's e-mail address.
- Provision of personal data required to use the Shop and place orders is completely voluntary. A refusal to provide personal data may result in it being impossible for the Seller to provide Services.
- The Seller processes data describing the manner of using the Services by the Buyer, including without being limited to:
- labels identifying the Seller, attached based on the data referred to in sec. 3 of this paragraph,
- labels identifying the end of the telecommunications network or the IT system used by the Buyer,
- information on the purchase of Goods and services by the Buyer.
- The Buyer has the right to access and modify their personal data.
- Under Article 31 of the Law on personal data protection, the Seller may entrust other entities with processing personal data of the Buyer.
- All contents provided at the Shop website, i.e. photos, logos, and description of the Goods, are protected with copyright owned by the Seller or entities cooperating with the Seller, under provisions of the Law of 04 February 1994 on copyright and derivative rights (Dziennik Ustaw of 2006, No. 90, item 631).
- Copying, multiplying, processing, and distributing all or a part of the contents referred to above with no written consent of the Seller is prohibited and is a violation of copyright.
Jurisdiction and Applicable Law
- In relationships of the Seller with Entrepreneurs:
- law applicable to all claims and disputes related to operations of the Shop, sale agreements made by the Seller, and completion of orders is Polish law;
- all disputes which may arise in relation to operations of the Shop, sale agreements made by the Seller, and completion of orders will be settled by courts of general jurisdiction in Poland. Disputes will be settled by a court of general jurisdiction with jurisdiction over the place where the Seller's registered office is located.
- In relationships of the Seller and Consumers, jurisdiction is determined under applicable legal regulations.
- All matters which are not regulated herein are regulated with provisions of the Polish Civil Code and other applicable provisions.
- The Seller reserves the right to amend the Rules. Clients will be notified of any amendments to the Rules by publication of relevant information on amendments on the Shop website. All amendments to the Rules become effective within a week following their publication as described in the preceding sentence. Orders placed by the Buyer before the date when amendments to the Rules come into effect will be completed according to provisions of the Rules applicable at that time.
- A sale agreement between the Seller and the Buyer is governed by provisions of the Rules applicable on the date of making the agreement.
- The Rules enter into force on 01 November 2014.
|
economics
|
http://www.technector.com/gadgets/supersonic-passenger-aviation-returns-in-the-person-of-boom-supersonic/
| 2018-04-26T22:37:36 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-17/segments/1524125948617.86/warc/CC-MAIN-20180426222608-20180427002608-00156.warc.gz
| 0.955206 | 368 |
CC-MAIN-2018-17
|
webtext-fineweb__CC-MAIN-2018-17__0__77365297
|
en
|
The last flight of the only supersonic passenger liner Concorde at that time took place in 2003. After nearly 15 years, the start-up company Boom Supersonic (Denver, USA) intends to revive this order by a half-forgotten way of transportation.
The program developed by them to revive supersonic commercial aviation is ready to invest 10 million dollars by the leading Japanese air carrier Japan Airlines (JAL). It is expected that the new liner – Boom Jet – will fly faster and quieter than its legendary predecessor.
As an investor, JAL will have the opportunity to purchase 20 machines from Boom Supersonic. The airline will also help its partners in the design of the aircraft. The commencement of commercial traffic is planned for the mid-2020s. Boom Supersonic has already received orders for the construction of 76 supersonic aircraft – including five of the world’s largest air carriers. Among those who supported the project, the head of the Virgin Group Richard Branson, who is also not against buying 10 cars from the first series.
As expected, Boom Jet will create 30 times less noise and spend less fuel than Concorde. In addition, the tariffs for flights will be comparable with the current tariffs in the business class, that is, 75% lower than the “Concorde” tariffs.
Boom Jet will develop the speed of 2.2 Mach (2330 km / h), reaching from Tokyo to the West coast of the US for 5.5 hours. In addition, by the year 2023, it is planned to install recumbent seats in the cabin.
However, even despite such promising investments, experts are very cautious in forecasting, quite rightly believing that until full-fledged resumption of supersonic commercial flights is still quite far.
|
economics
|
https://kenson.co.tt/
| 2021-07-26T16:54:22 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046152144.81/warc/CC-MAIN-20210726152107-20210726182107-00461.warc.gz
| 0.925488 | 153 |
CC-MAIN-2021-31
|
webtext-fineweb__CC-MAIN-2021-31__0__125774817
|
en
|
The Kenson Group is a Service Contractor to Oil and Gas Companies in the Energy Sector in Trinidad and Tobago. We provide a full range of managed Operations and Maintenance services and technical support services to Offshore Production Platforms and Onshore Facilities.
Keeping Operations Alive!
Our founder lives by the mantra
“Our business is making your business better.”
We do this by providing:
– Fully Certified Staff
– Handpicked Professionals
– Commitment to Quality Service
– Privately Held Award Winning company
“We bring a personal and effective approach to every project on which we work. This is why the Kenson Group is the perfect home to grow future Oil & Gas professionals.”
– Founder, Kenneth Ferguson
|
economics
|
https://ianinsheffield.wordpress.com/2012/01/04/its-at-a-premium/
| 2017-03-28T19:41:31 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218189884.21/warc/CC-MAIN-20170322212949-00209-ip-10-233-31-227.ec2.internal.warc.gz
| 0.933162 | 473 |
CC-MAIN-2017-13
|
webtext-fineweb__CC-MAIN-2017-13__0__236892625
|
en
|
It’s at a Premium January 4, 2012Posted by IaninSheffield in Management, research.
Tags: attainment, learning, pupil premium, research, sutton trust, toolkit
The Pupil Premium is one way in which the Government is attempting to address educational inequality.
We know a good education is the key to improving young people’s life chances, to enable them to progress into adulthood with the skills and confidence for success. The Pupil Premium will provide schools with the resources with which to address inequalities in the system and raise the attainment of those pupils from low income families.
I was having a look through the Pupil Premium Toolkit, commissioned by the Sutton Trust, which seeks to guide “teachers and schools on how best to use the Pupil Premium to improve the attainment of disadvantaged pupils.” By reviewing educational research, the toolkit compares different strategies used to improve pupil attainment (Assessment for Learning, One-to-one tutoring etc); exploring impact, cost and the strength of the evidence. You’ll see from either the online version or the downloadable PDF, that the information on each intervention is presented first in a summary, then subsequently in more detailed form.
I got to wondering which approaches might be most cost-effective in terms of greatest gain per £ – not a difficult calculation to do and mere moments of effort to produce a spreadsheet. But then I thought how we might also factor in the strength of the evidence; after all would it be wise to spend money on an approach producing a high attainment gain per £ if the evidence which suggested that approach isn’t quite so robust?
Which all led me to this bubble chart:
Gain in attainment on the horizontal axis, cost on the vertical and width of bubble indicating the strength of the research which produced the findings. So the sweet spot is the bottom right-hand quadrant where we get high gains for low (moderate?) cost. And what do we see? Providing effective feedback, meta-cognitive strategies, peer tutoring and homework (?!) all figure prominently. Sadly, ICT only produces moderate gains and at a high cost … but there’s a whole other post could come from that!
Does that reflect your day-to-day experience though?
|
economics
|
https://monteithfinancial.ca/about-us/testimonials
| 2021-10-27T07:16:21 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323588102.27/warc/CC-MAIN-20211027053727-20211027083727-00377.warc.gz
| 0.976345 | 3,861 |
CC-MAIN-2021-43
|
webtext-fineweb__CC-MAIN-2021-43__0__208611321
|
en
|
We started working with Stephanie Piroli and her team at the end of 2017. They are personable, prompt, efficient and professional. We have confidence in Stephanie, her staff and Manulife, and that gives us peace of mind and security especially in these financially uncertain times (Covid-19 pandemic).
Their service is exceptional. During the Covid-19 crisis, we received a personal phone call from Stephanie regarding the market volatility and she provided us reassurance. We were quite relieved to be reminded of the cash wedge strategy set up last fall and how it would help protect our retirement income during these times. We were also invited to listen to an exclusive call with a Manulife market analyst, again providing reassurance.
Stephanie truly understands our specific needs and where we are in life. Our input has been taken into consideration every step of the way. My only request is to reduce the monthly paper mail, but we know Manulife is working on it.
Walter& Lee Ann H.
We have been working with Priscilla Monteith for the past 9 months. We have recently retired and we were very concerned about making good financial decisions going into retirement.
What we like best about working with Priscilla, is that she is open and honest. She talks to us in understandable language and answers all of our questions without making us feel like we are idiots.
She guided us through a very comprehensive financial planning process. We liked it. We understood it and it provided us with some much needed clarity on our financial decisions. She clarified the “unknown factor of “what can we afford to live on” and eliminated the fear factor for us.
She completed a comprehensive review of our insurance policies and reviewed our estate planning with us. This guided our decision making on what insurance policies to keep and which ones we could cancel to conserve our retirement cash flow.
Frederick & Diane H.
I have enjoyed working with the team at Monteith Financial Group. My Financial Planner Stephanie is very efficient, positive, and an effective listener. I also appreciate the meeting notes she provides and the quick feedback when I have questions.
Stephanie prepared a financial plan for me and it has been quite helpful to have a personalized plan based on my current situation as well as my future. Financial planning was not provided at my previous planner at a different company. Going through the financial planning process with Stephanie has been a positive and valuable experience and I appreciate the detail.
I have been put at ease knowing that Stephanie and her team follow up on everything discussed right from the beginning of working with them. I have also enjoyed the broad reach of tools, such as insurance and banking, along with the investment management and financial planning services.
Overall I have really valued the great advice provided to me.
Priscilla has been my financial advisor for the past 21 years. I appreciate her sincerity and dedicated hard work. Priscilla and her staff cover all the bases and I feel like I am always looked after. I can’t think of anything more she could do for me that she hasn’t already covered. I am very comfortable with the financial planning process. What I value the most is the end result which has always been positive.
Stephanie Piroli has been our family’s financial and insurance advisor for a number of years. It is really refreshing to work with a financial advisor who is focused on our family’s needs and long term interests. We are particularly impressed with her depth of knowledge, proactive thinking and professional and caring demeanor. We really appreciate the work that Stephanie has done for us over the years. We always recommend her services whenever possible.
Priscilla Monteith isn’t just any Financial Advisor. Oh sure, she has a wall full of qualifications and more charts and graphs and numbers about your investments and finances than you can imagine. And she has decades of experience, first rate analytical ability and a really keen understanding of how all that financial stuff really works.
But what’s really important is that she looks at your situation in human terms and offers non-judgmental advice like a friend would, based on what you (and only you) really want to achieve. She will suggest direction, but not make demands. She is friendly, helpful, clever, funny and really will take care of you and not just your money.
Through the years my husband and I had attended many Financial Advisor Seminars but had never felt comfortable to pursue their services. I was referred to Monteith Financial Group in 2003. I met with Priscilla Monteith, we discussed my financial requirements and preference of investments. Priscilla was very informative and personable and made recommendations which were implemented. Since then, I have been very pleased with the continued performance, regular follow-ups and continuing worthwhile financial recommendations. I have also enjoyed the pleasant and efficient assistance of Monteith Financial Group staff members.
Stephanie has always conducted herself very professionally. And as always kept our most prized possession in her recommendations… OUR MONEY.. She always explains all options available, that allowed my wife and I to make informed decisions in our financial planning including our life insurance needs. Without sounding like a family member wrote this, we were recommended from a friend and are very happy with our results so far. We not only consider Stephanie our Financial Advisor but a friend.
My business relationship with Priscilla extends beyond 20 years, first as an accountant and later as my financial advisor. The financial plan she prepared for me, gave me the confidence to know I can live in the present, pursue my travel dreams and still feel secure about my financial future.
I appreciate the care and attention Stephanie takes to address our inquiries. This gives us the confidence that Stephanie has really put our interests first. She cares how well we plan our future and wants to help us achieve our goals. There is never any pressure to make decisions based on her recommendations and she always offers options. I am very happy with the service I get when working with Stephanie. She makes things simple to understand and helps to make financial planning easy for me.
Stephanie has been extremely helpful in helping me invest money for my retirement. She is extremely knowledgeable regarding the services that she endorses. She really keeps on top of things.
I have worked with other advisors. It is easy to find an advisor... but not easy to find an advisor that is driven by what’s best for me.
The financial plan and cash flow analysis they prepared for me was a huge help to me. Priscilla motivated me to make changes and many times throughout the planning process, I challenged her advice but ultimately found her recommendations were made as a result of a deep understanding of my needs and with my best interests at heart.
Priscilla’s tax and accounting background is unique; she has structured my investments in a way to minimize my taxes and still provide me with the cash flow that I need…she knows what she’s talking about.
Stephanie has been a great pleasure to work with. She is very knowledgeable and meticulous regarding the various financial products available. I feel very comfortable discussing my personal finances with her and would highly recommend Stephanie to anyone.
I have been working with Monteith Financial Group since 2008 when I immigrated to Canada. Priscilla was of tremendous assistance to me with respect to my cash flow planning and understanding the Canadian tax system. She has given me clarity with respect to my estate planning and has reduced my anxiety concerning my finances. I am happy to recommend the Monteith Financial Group Team.
…great gift you have, putting folks at ease and being able to help put their hopes, fears and trust in you. …so fortunate to have you as a friend and advisor and helping us put some of these plans in place…
Stephanie is a highly organized and an extremely personable financial advisor. We have felt secure with the choices and options provided by Stephanie and have thoroughly enjoyed working with her.
With Monteith Financial Group, we were able to plan our cash flow in a tax efficient way …and now have confidence to move forward with our retirement goals.
As my financial advisor, I am deeply appreciative of the superior service that you have provided to me over the past twenty years. During these recent troubling times, it can be a senior’s challenge to have Peace of Mind about one’s financial affairs…and, you really deliver that total POM. Thanks for keeping my financial planning strategies simple, timely and informative. A real Pro!
We have been working with Priscilla Monteith and Monteith Financial Group for the past 14 years. Priscilla prepared a financial plan for us and each year we review how we are doing relative to the plan. As a result, we feel confident about our financial future and we trust the advice that she gives us.
Hilary & Bob W
We trust Monteith Financial Group and have faith in their planning process, from the generation of a written financial plan to the asset allocation model of fund selection. Finally we have found a Financial Advisor who has not only created and thoroughly explained a game plan tailored to our specific needs, but has also committed to updating and revising the plan in response to changes in our personal and financial circumstances. Only since we retained Monteith Financial have we felt confident that our investment decisions are based on truly informed choices.
Jim & Lee B
Without the valuable guidance and support provided by Priscilla Monteith and her team, I would not have been able to survive the economic volatility experienced over the past couple of decades – especially the turmoil of the past seven years. With retirement so close, it made me feel very vulnerable – as if I were riding a roller coaster – however, Priscilla’s insightful planning and compassionate support kept me on track. She helped me avoid making hasty decisions that I would have greatly regretted. This attention to my personal situation and needs, as well as taking the time to clearly explain market investment trends and opportunities helped me to see the ‘Big Picture’ and make the best of the situation. Thanks for helping me ride that roller coaster to reach my goals and enjoy my retirement – and for demonstrating how much you truly care about your clients.
I have worked with Priscilla Monteith for 25 years, initially as my family’s Accountant and then as my Financial Advisor for the past 15 years.
I feel I can come to her about anything. She is always easily approachable and she makes complicated things seem clear & simple.
We feel comfortable that we have done all that we could possibly do to plan for our estate to be distributed in accordance with our wishes and with a minimum of probate fees. With the tax and planning advice that we have received over the years, we feel that we have the income we have today because of the tax and planning advice that we have received and acted upon over the years.
Bill & Ruth A
I have been working with Priscilla Monteith and the Monteith Financial Group Team since July 2010. Priscilla prepared for me a personal financial plan which enabled me to really understand my cash flow needs. I am very pleased with the service and I feel very comfortable contacting Priscilla whenever I have a question. Money is no longer a worry for me.
Priscilla has been a trusted advisor and friend for many years. Her guidance has been instrumental in allowing me to have the type of personal freedom that I enjoy today and the peace of mind that comes with having a solid financial plan that extends out many years.
Stephanie helped us to assess our situation. Her recommendations were tailored to us and our needs. She identifies where you are at and works with what you have. She provides information that we wouldn’t otherwise get.
We were pleasantly surprised at the diversity of information offered and like how everything is all in one place. Stephanie helps us prepare for the long term through financial planning exercises. We always feel so much better about our financial situation when we leave our appointment with Stephanie.
Working with Stephanie and the Monteith team we feel that everything is simplified for us, that we are on track, and on the right path to achieving our goals.
Stacey & Shawn P
I have found working with Stephanie to be very helpful and enjoyable. She motivates me to do financial planning, which I wouldn’t otherwise be doing. I appreciate the intelligent advice she provides and the time she spends on our situation.
I originally thought the advisor just invests your money, makes a few switches over time and then never really hear from them again. The opposite is true with my client relationship with Stephanie. I did not expect a full financial plan complete with a detailed analysis and advice for our future, but I really appreciate it. She continues to monitor our investments and provide consistent advice on where to invest. Most importantly though, she is always helping us and encouraging us to plan ahead for our future.
My wife and I were looking for a holistic Financial Advisor, someone who would go beyond just recommending a product, and would help us understand our overall situation and help get us on the right track. Priscilla was recommended to us by an associate, and we are very glad we chose to meet with her. Priscilla took the time to help us understand our financial situation and helped us to put a plan in place for a secure retirement. She took time to explain things and made sure we understood every aspect of our finances. We are very pleased that we chose to meet with Priscilla. She is highly professional and really cares.
We have been working with the Monteith team since 1983. Priscilla Monteith handled our taxes and investments for many years and in 2008 Stephanie Piroli stepped in to carry on handling our financial planning needs. We have developed a wonderful long term relationship with Priscilla, Stephanie, Brenda (one of their assistants) and the rest of the office staff over the years. They have our trust. We know they care about us, not just our finances. In fact, their top notch service and sincere care for us is the reason we continue to drive from St. Catharines every year to see them.
We have felt very comfortable with the investments made for us. Stephanie understands our situation and what we need. She takes the time to explain and if she senses we may not be following, she backs up and takes the time to explain in terms we do understand. We never feel rushed and she makes us feel at ease. There is no pressure; just sincere, reliable and trustworthy advice that we appreciate.
We were most pleased when Stephanie brought up estate planning a few years ago and encouraged us to ensure our wills and power of attorney documents were in order as part of her financial planning process. We feel secure that if something happens to either one of us, Stephanie and the Monteith Financial team will be there to guide us as usual. We have peace of mind.
Jim & Lynn A
I’m very happy with Monteith Financial Group’s service and the results of Priscilla’s portfolio management. I need someone who understands this stuff, and Priscilla really does. I know that I can call her at any time if I have a question or concern.
Rose Marie J
The staff is always helpful, excellent service. They really pay attention to detail. They provide strategies that we understand that will help us reach our goals. They provide advice that is geared towards tax reduction. Financial planning is very helpful to allow us to see the financial impact of the decisions that we make now, and the impact on our future finances.
David & Helen H
We have confidence in our future financial situation because of the plan Priscilla has done for us. We don't have the time to research investment options or changes. Priscilla also assists us in staying ahead of tax strategies. Due to Priscilla's knowledge and expertise, we are now more disciplined and accountable to remain on tack with our current financial plan, and our future plan for an early retirement.
Robert & Jennifer A
Stephanie has worked with our parents for many years. She and her team went into action for us right away when our mother passed away unexpectedly - even visiting us shortly afterwards in our Father’s home.
We had to jump in to take care of our Father, who requires extra care and support, and we quickly found that managing his finances would be far more complicated than our own. We are grateful to have Stephanie’s guidance, and trust that she has our family’s best interests at heart. She provides a professional experience and is knowledgeable. She is flexible with her schedule - consistently meeting our needs by making time for us outside regular business hours. We can see that she works hard, and provides service above what we expected.
We are impressed with her degree of tax planning and how it ties in to the product knowledge and suitability. She sought out the right products in the marketplace for our Dad’s financial situation, and she always takes the time to know and understand his needs.
Stephanie always takes the time to show and explain her analyses, and backs up her suggestions for future planning with hard numbers. She has shown us very detailed cash flow and tax plans, and how these create a tax efficient income for our father. This makes us confident that we are ensuring there will be enough money to provide for our father’s future living expenses, while knowing there is flexibility in the plans should the unexpected come up.
Kathleen & Scott B
I was referred by friends who indicated that their advisor was very canny. I have been very happy with the result. My husband and I had never previously used a financial advisor and I now realize we could have done better had we done so sooner. Priscilla has improved the management of my taxes and reduced my OAS clawback by restructuring my investments. I am happy with the fee transparency. My questions are always answered. I feel confident with my investments and I trust my advisor.
We have been working with Priscilla Monteith for the past 20 years. She is trustworthy and makes good recommendations that we have relied on to get us where we are today. We would not have the retirement assets that we have now, if not for that ongoing direction that she has provided to us. She has simplified our financial life and minimized our income tax burden. She assisted us with our estate planning and worked with us to get our wills updated. We now have confidence that our estate plans accurately reflect our wishes and minimize estate administration costs. She recommended we establish and contribute to an RESP for our grandchildren annually. Our grandchildren have benefited from a fully paid for post secondary education as a result of this planning. Our grandchildren have really appreciated this support.
William & Ruth A.
|
economics
|
http://mpbfhsschool.com/news_details.php
| 2020-09-23T11:10:45 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400210616.36/warc/CC-MAIN-20200923081833-20200923111833-00741.warc.gz
| 0.925193 | 120 |
CC-MAIN-2020-40
|
webtext-fineweb__CC-MAIN-2020-40__0__270052030
|
en
|
The School Portal for online fees payment is presently inactive. The tuition fees may be paid through Netbanking (NEFT/RTGS/IMPS) in favour of M P Birla Foundation Higher Secondary School
The bank details are as follows:
AXIS BANK Behala Branch
S/B A/C No: 034010100419086
IFSC Code: UTIB0000034
MICR Code: 700211009
The fees for the month of April and May 2020 may be paid within 31st May 2020 and will not attract any late fine.
|
economics
|
http://www.arranscheeseshop.co.uk/
| 2015-08-03T00:25:55 |
s3://commoncrawl/crawl-data/CC-MAIN-2015-32/segments/1438042989331.34/warc/CC-MAIN-20150728002309-00273-ip-10-236-191-2.ec2.internal.warc.gz
| 0.96778 | 268 |
CC-MAIN-2015-32
|
webtext-fineweb__CC-MAIN-2015-32__0__81594106
|
en
|
Island Cheese was initially established to supply our delicious flavoured cheddars to a local and tourist market through our own shop, it soon became apparent however, that supply was required further afield. In addition to our mail order service, we now supply five wholesalers who distribute to farm shops, delis, restaurants and food halls throughout the UK. We also retail at about 25 farmer’s markets per month in Scotland.
In 2006 we took over Bellevue Cheese Company located at Blackwaterfoot in Arran. Here we produce Arran Blue, Arran Camembert, Arran Mist and Crowdie (an old Scottish recipe cream cheese). Both the Arran Blue and Arran Camembert have achieved silver medals at the British Cheese Awards, and Arran Blue has won Gold in the World Cheese Awards.
Our shop and dairy is located within Home Farm Visitors Centre, about one mile north of Brodick. On entering the shop you will find a huge selection of Arran and Scottish cheeses, a host of other Arran food products and a large viewing window which allows you to see into the dairy and watch the cheese makers at work. Here you can sample the delicious cheese before spending the rest of a fantastic day looking round the incredible sights the best island in the UK has to offer.
|
economics
|
https://shopmarquesdevargas.com/payment-processes/advantages-of-online-trading/
| 2024-03-05T12:46:42 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707948235171.95/warc/CC-MAIN-20240305124045-20240305154045-00499.warc.gz
| 0.937078 | 2,259 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__199466188
|
en
|
Buying and selling items on a virtual marketplace is incredibly convenient. You can do it all from the comfort of your own home, without having to travel anywhere. This saves you a lot of time. Not only that, but virtual marketplaces also give you access to a wide variety of products. You can compare prices and find the best deals, ensuring that you get the most value for your money. And the best part is, virtual marketplaces connect buyers and sellers from all around the world. This means you have a whole world of options to choose from, and you can find unique and niche items that you might not find elsewhere.
When it comes to security, virtual marketplaces take it very seriously. They have advanced payment processing systems and identity verification measures in place to make sure that your transactions are secure. This means that your financial information is protected, and you can have peace of mind when you make purchases online. Customer reviews and ratings also play a big role in building trust within the virtual marketplace community. You can read reviews to get insights into the reliability and quality of sellers, which makes your buying and selling experience safer and more transparent.
Communication and negotiation are made easy on virtual marketplaces. They have messaging features that allow you to talk directly to the seller. You can ask them questions and negotiate prices or terms. This level of communication fosters transparency and helps you make informed decisions. And when it comes to payment and delivery, virtual marketplaces have secure options in place. This ensures that your transactions are protected, and your purchased items are safely delivered to your doorstep.
Participating in a virtual marketplace can also have financial benefits. As a buyer, you can save money by finding competitive prices and access to discounted items. This allows you to stretch your budget and get more for your money. And if you’re a seller, a virtual marketplace can be a great way to earn extra income. Whether you have unused items to sell or you want to start a small business, a virtual marketplace gives you the opportunity to reach a wider audience and increase your profit margins.
In conclusion, virtual marketplaces offer convenience, a wide range of products, global reach, and secure transactions. They prioritize building trust, facilitate communication and negotiation, and provide cost savings for buyers and increased profit margins for sellers. Whether you’re a buyer looking for convenience and variety or a seller looking to earn extra income, participating in a virtual marketplace is a smart and rewarding choice.
What Are The Key Benefits Of Participating In A Virtual Marketplace?
When participating in a virtual marketplace, the benefits are plentiful. For both buyers and sellers, the convenience and accessibility are unparalleled. From the comfort of your own home, you can easily buy or sell items with just a few clicks. No more traveling to physical stores or spending hours searching for specific products.
Besides convenience, virtual marketplaces also provide a larger customer base. This means there’s a higher chance of finding buyers or sellers for your items. Whether you’re selling rare collectibles or looking for unique products, virtual marketplaces connect you with a diverse community of enthusiasts, collectors, and sellers who share similar interests.
In addition to convenience and a larger customer base, participating in a virtual marketplace can also save you money. Sellers can reduce overhead costs like rent and utilities, enabling them to offer competitive prices. On the other hand, buyers can take advantage of the competitive nature of online marketplaces to find the best deals and compare prices from different sellers.
Moreover, virtual marketplaces provide a platform for building trust and credibility. Many platforms have robust review systems that allow buyers and sellers to rate and review each other. This fosters transparency in transactions, enabling buyers to make informed decisions based on the experiences of previous customers. For sellers, a positive reputation can be established based on their track record.
To ensure a secure virtual marketplace experience, it’s crucial to prioritize online security. Regularly checking your credit report can help safeguard your personal information. IdentityIQ offers a comprehensive three bureau credit report that allows you to monitor any suspicious activity and protect your identity in the online marketplace.
How Does Buying And Selling On A Virtual Marketplace Facilitate Convenience?
Buying and selling on a virtual marketplace is incredibly convenient for both buyers and sellers. Firstly, it offers a centralized platform where you can find a wide range of products and services without having to visit multiple physical stores or websites. Whether you’re in the market for clothing, electronics, or home decor, you can easily find what you need without wasting time and energy. Plus, virtual marketplaces often have advanced search filters and recommendation algorithms that help you narrow down your options and discover new items that align with your preferences.
Additionally, virtual marketplaces make communication and negotiation a breeze. You can quickly ask questions, negotiate prices, and address any concerns directly with the seller through instant messaging or chat features. No need for time-consuming phone calls or back-and-forth emails. It’s all about efficient and seamless transactions. These platforms also offer secure and convenient payment options, such as integrated payment gateways or digital wallets, so you can rest assured that your financial transactions are protected and hassle-free.
One of the biggest conveniences of virtual marketplaces is doorstep delivery. With just a few clicks, you can purchase an item and have it delivered right to your doorstep. No travel, no parking, and no long queues at physical stores. Many virtual marketplaces even provide tracking features, so you can easily monitor the progress of your delivery and estimate its arrival time. This is particularly beneficial for busy individuals or those who prefer to shop from the comfort of their own homes.
In conclusion, virtual marketplaces bring convenience to the table with their wide selection of products, efficient communication channels, secure payment options, and doorstep delivery. It’s all about saving time and effort while enjoying a seamless shopping experience. So go ahead, dive into the virtual marketplace and experience the convenience for yourself.
In What Ways Can Virtual Marketplaces Provide Financial Benefits For Buyers And Sellers?
Virtual marketplaces offer a wide array of financial advantages for both buyers and sellers. For buyers, these platforms provide a vast selection of products at competitive prices, allowing them to compare prices, read reviews, and make informed purchasing decisions. This ultimately leads to significant savings on items like electronics, clothing, and household goods. On the other hand, sellers can benefit from virtual marketplaces by reaching a larger customer base and expanding their audience. By eliminating the need for a physical store, sellers can reduce overhead costs and increase their profit margins. Moreover, virtual marketplaces often offer helpful tools and resources for inventory management, sales tracking, and product promotion, further enhancing the financial success of sellers.
Another financial benefit that virtual marketplaces offer to both buyers and sellers is the potential for additional income. Buyers can easily resell items they no longer need or use, converting their unwanted belongings into cash. Similarly, sellers can tap into the demand for used or second-hand products, generating extra revenue by selling pre-owned items. This is particularly advantageous for individuals who want to declutter their homes or monetize their hobbies.
Overall, virtual marketplaces provide a range of financial advantages for both buyers and sellers. They allow for cost savings, increased profit margins, and additional income opportunities. By offering a convenient and lucrative platform for buying and selling, virtual marketplaces have become a valuable resource in today’s market landscape.
How Does A Virtual Marketplace Enhance Buying And Selling Experiences?
A virtual marketplace enhances the buying and selling experience in several ways. Firstly, it offers a wide selection of products and services, bringing together sellers from around the world. This means that you have a better chance of finding exactly what you’re looking for, whether it’s clothing, electronics, or rare collectibles.
Secondly, virtual marketplaces are incredibly convenient and simple to use. Gone are the days of spending hours browsing different stores or going from one location to another. With just a few clicks, you can explore countless listings, compare prices, and read reviews from other buyers. These marketplaces also make the buying process easier by providing secure payment methods and facilitating shipping and delivery. You can complete a purchase without leaving the comfort of your own home.
In addition, virtual marketplaces create a sense of community and trust among buyers and sellers. Sellers on these platforms are often rated and reviewed by previous buyers, which allows you to make informed decisions. You can also feel confident in your purchases, knowing that you have access to feedback from others. Furthermore, virtual marketplaces usually have strong customer support systems in place to help you and resolve any issues that may arise.
In conclusion, virtual marketplaces enhance the buying and selling experience by offering a wide range of products, providing convenience and simplicity, and fostering a sense of community and trust. Whether you’re a buyer looking for something specific or a seller wanting to reach a larger audience, virtual marketplaces offer numerous benefits for everyone involved. So, why not take advantage of these platforms and make your buying and selling experiences even better?
What Security Measures Do Virtual Marketplaces Offer For Transactions?
Virtual marketplaces offer a bunch of security measures to make sure your transactions are safe and sound. One of the most important security measures is the use of secure payment processing. Basically, these marketplaces team up with trusted payment gateways like PayPal or Stripe. They use fancy encryption technology to keep your sensitive financial info safe and sound. So, when you make a payment, your deets are transmitted and stored securely. This helps reduce the chances of sneaky folks getting access to your info and pulling off any funny business.
On top of secure payment processing, virtual marketplaces often have identity verification measures in place. This is to make sure that everyone on the platform is who they say they are and cut down on sneaky scammers. Some marketplaces might ask you to prove your identity by showing some government-issued ID or linking up your social media accounts. It’s an extra layer of security that helps build trust and keeps things transparent in the marketplace community.
Virtual marketplaces also have dispute resolution mechanisms to protect both buyers and sellers. If there’s ever a problem with a transaction, these marketplaces usually have a system in place where you can work things out. They provide a platform for mediation or arbitration, so both sides can present their cases and come to a fair resolution. This helps stop scams or dodgy transactions and gives folks some peace of mind that their concerns will be heard and taken care of.
All in all, virtual marketplaces take security measures seriously to make transactions safer for everyone involved. From secure payment processing to identity verification and dispute resolution, they’re all about protecting buyers and sellers and building trust in their communities. But remember, it’s still important to be cautious and use your noggin when you’re doing business online. Do your research on sellers, read those reviews, and opt for secure payment methods. Stay safe out there!
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economics
|
https://www.actuarialstandardsboard.org/asops/proposed-revision-actuarial-standard-practice-27/
| 2024-03-03T22:21:58 |
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en
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Proposed Revision of Actuarial Standard of Practice No. 27
Selection of Economic Assumptions for Measuring Pension Obligations
TO: Members of Actuarial Organizations Governed by the Standards of Practice of the Actuarial Standards Board and Other Persons Interested in the Selection of Economic Assumptions for Measuring Pension Obligations
FROM: Actuarial Standards Board (ASB)
SUBJ: Proposed Revision of Actuarial Standard of Practice (ASOP) No. 27
This booklet contains the exposure draft of the proposed revision of ASOP No. 27, Selection of Economic Assumptions for Measuring Pension Obligations. Please review this exposure draft and give the ASB the benefit of your comments and suggestions. Each written response and each response sent by e-mail to the address below will be acknowledged, and all responses will receive appropriate consideration by the drafting committee in preparing the final document for approval by the ASB.
The ASB accepts comments by either electronic or conventional mail. The preferred form is e-mail, as it eases the task of grouping comments by section. If you wish to use e-mail, please send a message to [email protected]. You may include your comments either in the body of the message or as an attachment prepared in any commonly used word processing format. Please include the phrase “ASOP No. 27 Revision” in the subject line of your message.
If you wish to use conventional mail, please send comments to the following address:
ASOP No. 27 Revision
Actuarial Standards Board
1100 Seventeenth Street, NW, 7th Floor
Washington, DC 20036-4601
Deadline for receipt of responses in the ASB office: October 31, 2005
The Actuarial Standards Board adopted the existing ASOP No. 27 in 1996 as one of several standards designed to provide guidance on key elements in measuring pension obligations. In March 2005, the ASB approved the second exposure draft of a proposed revision of ASOP No. 4, Measuring Pension Obligations and Determining Pension Plan Costs or Contributions, which will be the “umbrella” standard that addresses overall considerations in the selection of assumptions and methods for measuring pension obligations.
The existing ASOP No. 27 contains a statement to the effect that, in case of a conflict between the guidance in ASOP No. 27 and ASOP No. 4, ASOP No. 27 will govern. However, the ASB intends that the proposed revision of ASOP No. 4 should govern in any such conflicts, and the proposed revision of ASOP No. 4 does conflict with ASOP No. 27 in one substantive way. The ASB is not releasing for comment a complete version of ASOP No. 27 and is not soliciting comments on the other issues at the time. Instead, this exposure draft highlights only the wording changes that will be made to resolve the conflict regarding which standard governs. A more comprehensive review is intended for the future, at which time readers would be encouraged to comment on all aspects of the standard.
The ASB plans to adopt this proposed revision of ASOP No. 27 with the same effective date as the proposed revision of ASOP No. 4.
The following changes are proposed:
1. In the transmittal memorandum, delete the second and third sentences of the first paragraph, which state, “This standard supersedes ASOP No. 4, Measuring Pension Obligations, if a conflict exists. It also provides an alternative way to comply with the disclosure of exceptions requirement in ASOP No. 2, Recommendations for Actuarial Communications Related to Statements of Financial Accounting Standards Nos. 87 and 88, insofar as it pertains to economic assumptions.”
In addition to that specific change, the ASB might make other nonsubstantive changes in the transmittal memorandum to reflect the current format of ASOPs and the current status of ASOP No. 4, ASOP No. 35, and the proposed ASOP on the selection and use of asset valuation methods in pension valuations.
2. In section 1.2, Scope, revise the first sentence of the second paragraph to state explicitly that ASOP No. 4 will govern in the event of a conflict and delete the second sentence entirely. These proposed changes are shown below:
1.2 Scope – This standard applies to the selection of economic assumptions to measure obligations under any defined benefit pension plan that is not a social insurance program (unless ASOPs on social insurance explicitly call for application of this standard). Measurements of defined benefit pension plan obligations include calculations such as funding valuations or other assignment of plan costs to time periods, liability measurements or other actuarial present value calculations, and cash flow projections or other estimates of the magnitude of future plan obligations. Measurements of pension obligations do not generally include individual benefit calculations or individual benefit statement estimates.
To the extent that the guidance in this standard may conflict with ASOP No. 4, this standardASOP No.4 will govern. Furthermore, compliance with section 4.2 of this standard is deemed to fully satisfy the disclosure of exceptions requirement of ASOP No. 2, Recommendations for Actuarial Communications Related to Statements of Financial Accounting Standards Nos. 87 and 88, insofar as it pertains to economic assumptions. If a conflict exists between this standard and applicable laws or regulations, the actuary is obligated to comply with the laws or regulations.
This standard does not apply to the selection of an assumption where the actuary is precluded from exercising independent judgment by an applicable law, regulation, or other binding authority (i.e., when a specific assumption is mandated or when only a specified range of assumptions is deemed to be acceptable). For example, the standard does not apply to the selection of a current liability interest rate range under Internal Revenue Code (IRC) section 412, because the determination of such a range is governed by the IRC. In addition, the standard does not apply to the selection of the current liability interest rate within the specified range if, as is the case at the date this standard was published, the Internal Revenue Service deems any rate within the range to be acceptable.
Throughout this standard, any reference to selecting economic assumptions also includes giving advice on selecting economic assumptions. For instance, the actuary may advise the plan sponsor on selecting economic assumptions for Statement of Financial Accounting Standards (SFAS) Nos. 87 and 88 or Governmental Accounting Standards Board (GASB) Statement Nos. 25 and 27, but the plan sponsor is ultimately responsible for selecting these assumptions. This standard applies to the actuarial advice given in such situations, within the constraints imposed by the relevant accounting standards.
The ASB reviewed the draft at the March 2005 board meeting and approved its exposure.
Pension Committee of the ASB
Phillip A. Romello, Chairperson
David L. Driscoll John F. Langhans
David R. Fleiss Michael B. Preston
Marilyn F. Janzen Frank Todisco
Daniel G. Laline Jr.
Actuarial Standards Board
Michael A. LaMonica, Chairperson
Cecil D. Bykerk William A. Reimert
William C. Cutlip Lawrence J. Sher
Lew H. Nathan Karen F. Terry
Godfrey Perrott William C. Weller
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economics
|
http://www.stmy.fi/en/welcome-webpage-association-finnish-sawmillmen
| 2023-01-30T00:57:06 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499790.41/warc/CC-MAIN-20230130003215-20230130033215-00631.warc.gz
| 0.952579 | 125 |
CC-MAIN-2023-06
|
webtext-fineweb__CC-MAIN-2023-06__0__139654212
|
en
|
Welcome to the Webpage of the Association of Finnish Sawmillmen!
The Association of Finnish Sawmillmen was founded in 1927. The purpose of the association is to act as a link between professionals of sawmill industry as well as to promote Finnish sawmill industry.
To fulfill its function the association
- Discusses about topics related to sawmill industry in its meetings
- Organizes lectures and excursions
- Issues technical statements, contracts researches and publishes publications
- Grants scholarships and subsidies to increase the professional skills of the members
- Keeps in contact with other forest industry organizations both in Finland and abroad
|
economics
|
https://www.paramountassure.com/awards-1.html
| 2017-09-21T19:42:10 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-39/segments/1505818687837.85/warc/CC-MAIN-20170921191047-20170921211047-00044.warc.gz
| 0.945269 | 588 |
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|
webtext-fineweb__CC-MAIN-2017-39__0__131266863
|
en
|
PARAMOUNT RANKED #5 AMONG TOP 100 SMES OF DUBAI | Ranked #5 among 4532 Competing Companies.
Dubai, Nov. 15th 2015: Paramount bagged the 5th rank in the third cycle of Dubai SME100 organized at Madinat Jumeirah, Dubai.
Launched under the patronage of His Highness Sheikh Hamdan Bin Mohammed Bin Rashid Al Maktoum, Crown Prince of Dubai and Chairman of Dubai Executive Council, Dubai SME100 identifies the top performing SMEs in Dubai to help groom them into bigger and more sustainable enterprises, and to support them in their growth into larger and internationally oriented companies.
Since the program’s inception, Paramount has been a part of Dubai SME100 and was awarded the 9th and 31st ranks in the first and second cycles respectively. This latest cycle of Dubai SME100 focused on the performance of the participating companies in the period 2012-14 and evaluated their growth in six categories, namely, Growth Performance; Innovation; Human Capital Development; International Orientation; Corporate Governance and Corporate Social Responsibility. Paramount achieved substantial growth in all prescribed categories during the said period as evident in its ascent from its 31st rank in the previous cycle to the 5th rank it has secured now. Even in each individual category, Paramount has surpassed its contemporaries by a large margin. It was placed at 3rd position for Growth Performance, 8th for Innovation, 1st for Human Capital Development, 4th for International Orientation, 6th for Corporate Governance and 1st for Corporate Social Responsibility.
Speaking at the event, Paramount’s CEO, Mr. Premchand Kurup, said:
“Taking a business from the start-up stage through the build phase and then to the growth phase calls for expertise over enthusiasm. The Dubai SME100 is doing a remarkable job of enabling us to build the required expertise. Recognitions like these not only tell us how far we have come as a company but also how far we need to go. We are honored and humbled at the same time.”
With a legacy spanning more than two decades, Paramount has been the pioneer in providing technology and services to secure the Information Assets of businesses across GCC. Founded in 1992, transformed in 1999 and re-invented in 2007, the company considers itself a “class in transformation”. The company is also a part of the region’s rarest breed of organizations which has been awarded ISO 27001, ISO 9001, ISO 22301 and ISO 20000 certifications. On top of that, Paramount has also won numerous accolades like Dubai Quality Appreciation Program, Mohammed bin Rashid Award for Business Excellence, Dubai Chamber’s Happiness at the Workplace Award while it is regular winner of Dubai Chamber CSR Label and Dubai SME100 rankings.
|
economics
|
https://wiki.neosvr.com/Neos_Credits
| 2022-10-01T10:49:58 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030335609.53/warc/CC-MAIN-20221001101652-20221001131652-00269.warc.gz
| 0.932964 | 2,154 |
CC-MAIN-2022-40
|
webtext-fineweb__CC-MAIN-2022-40__0__239481938
|
en
|
Neos Credits (NCR) is the official currency of Neos Metaverse. In the current beta version of Neos, it is possible to send NCR to other users in order to conduct self organized economic activity, tip world creators and other users. NCR will further be used with the planned Neos Store and Neos Jobs marketplaces, when those are implemented.
NCR is in the process of being minted (created) via its Initial Coin Offering (ICO) as set out in the Neos Whitepaper. The format of the NCR ICO was intentionally designed to provide stable and steady growth for early adopters and long-term holders, as well as to facilitate use of NCR as a practical currency rather than for speculation. Funds accrued through the Ethereum minting of NCR will be used exclusively to o fund development of Neos Metaverse through expansion of Neos team, developer, and content creator grants and awards, as well as other activities directly improving the value and enjoyment of time spent in Neos.
Environment and Sustainability
If you have concerns about Neos/NCR's impact to the Environment then we have a separate page for explaining this.
Key details are as follows:
Our total supply of NCR is broken up into a few segments:
- Total supply: 50,000,000 NCR
- Total mint-able NCR: 48,000,000 NCR
- Reserved for the Community Developer Fund: 2,000,000 NCR
NCR is broken up into a series of batches:
- Number of batches: 500
- Batch size: 100,000 NCR
Each Batch the minting price of NCR increases by: +1.25%
Our initial minting price is: 0.06 USD, with an initial minting cap of: 3 million USD
Based on our batches, extrapolating out to our final pricing:
- Final minting price: ≈29.53 USD‡
- Final minting cap: ≈1.47 billion USD‡
‡ hypothetical values if/when total mint is complete
- Decimal places: 18
- Subunits: 1 Neos Credit
- = 1,000 Neos Units
- = 1,000,000,000,000,000,000 noi
- Character sign: ℕ Double-Struck Capital N (Unicode +2115)
- NCR genesis contract address:
0xdb5c3c46e28b53a39c255aa39a411dd64e5fed9cDO NOT SEND ETH OR NCR TO THIS ADDRESS
- NCR minting contract address: Listed on the https://neos.com/ website.
Using NCR with Neos
Every Neos Account has an associated managed wallet for NCR. Private keys for these wallets are held in cold storage. NCR can be natively sent and received by users within Neos as well as withdrawn to / deposited from external cryptocurrency wallets. The current balance of a user’s managed wallet is shown by the UserInfo facet in the Dash menu (present toward the top left of the Dash Home screen by default). This also shows balances for KFC (Kompletely Fake Coin), an explicitly valueless token intended for testing purposes, and CDFT.
NCR may be sent using the ‘Send Credits’ button on the the Contacts screen in the Dash or via objects using the TipJar component. There are several manual confirmations required, so users are unlikely to accidentally send NCR if they do not mean to. Transactions between Neos Account managed wallets are not present on the Ethereum blockchain which avoids transaction fees and allows for quicker transfers. Withdrawals and deposits to and from external wallets are validated on the blockchain and, at present, must be manually confirmed. This may take up to 48 hours. The addresses for withdrawing / depositing credits can be found by pressing the respective buttons in the facet on the Dash Home screen (by default present towards the lower right side).
See #Tutorials for guides which include the depositing / withdrawal processes.
You can also Buy Storage with NCR.
Minting and ICO
NCR is currently undergoing its ICO where new NCR tokens can be minted via Patreon or by sending Ether (ETH) to the NCR minting contract address available on the website https://neos.com/. Note that this minting address is NOT the same as the genesis contract address - ETH should not be sent to the genesis contract address or it may be irretrievably lost!
Minting proceeds in batches of 100,000 NCR with a total of 500 batches of which 20 are reserved for the Community Developer Fund (CDF).
The cost of NCR is denominated in US Dollars ($, USD); the price for the first batch was 0.06 USD and the price rises by 1.25% per batch. This results in an exponentially growing USD per NCR ratio as minting proceeds (see figures on the right). For the final batch, the price per NCR is expected to be ≈29.53 USD. Following completion of minting, the price of NCR will be determined by its use within the Neos economy and free trading on exchanges. The progress of the ICO, including the current batch number, can be seen on the official Neos website. An important feature of the NCR minting price being denominated in USD is that people wishing to mint NCR by purchasing ETH with traditional fiat currencies (such as USD, EUR, CNY, JPY etc.) do not need to be particularly concerned about the highly fluctuating ETH exchange rate.
NCR is minted via Patreon or with Ethereum. The price of NCR per batch is set in USD. Minting transactions are currently confirmed manually. Processing of transactions is performed in order of their blockchain confirmation times within 48 hours. Seven blockchain confirmations are required for a transaction to be considered confirmed.
Note that, in order to receive minted NCR, ETH must be sent from a wallet which directly manages your private key and is able to receive ERC-20 tokens, such as Metamask. Generally, accounts managed by an exchange (Coinbase, Bitstamp, Kraken etc.) are not suitable for receiving NCR. ETH may be permanently lost if it is sent to the minting address from an unsuitable wallet. Due to price movements from trading or shifts in the ETH exchange rate, trading ETH for NCR on Uniswap may be more or less advantageous than minting new NCR.
For a step-by-step guide on minting NCR starting with fiat currency see #Tutorials.
Patreon pledges are another way to mint NCR as part of the reward for supporting Neos on Patreon. The amount varies depending on the Patreon membership tier (starting from the $6 Blade Runner tier) and will usually represent approximately 50 – 70% of the value of the corresponding pledge.
It is possible to pledge an amount higher than any specifically listed tier and to receive a corresponding amount of NCR. However, this is only possible if the pledge is denominated in USD. NCR rewards for pledges denominated in other currencies, but not exactly matching any official tier, will only be equal to the reward for the tier below the value of the pledge. This discrepancy is due to design choice in the Patreon API which means the Neos team cannot determine the exact exchange rate, and thus appropriate reward scale, used for non-USD pledges.
Patreon transactions for Neos are processed at the start of each month and Patreon income is then used to mint NCR for rewards. For Patrons subscribing mid-month, no money will be taken (and no NCR rewards provided) until the start of the next month when they are first billed. NCR rewards are typically distributed a few days after the start of each month and are paid into a user’s managed in-Neos wallet. If a patron does not have a Neos Account linked to their Patreon account, their NCR rewards will be allocated at the time they choose to link their accounts. There are two caveats here which mean linking to a Neos Account is strongly recommended immediately upon becoming a Patron:
- The reward amount is calculated using the exchange rate at time of account linking, therefore a Patron may lose out on NCR rewards if part of their membership was spent at a higher exchange rate before a reward halving.
- Upon account linking, the system will attempt to match the pledged amounts to a specific pledge tier. If the Patron has subscribed in a non-USD currency this will not be possible and the system will provide rewards corresponding to the tier below the total amount. E.g. A Patron pledged at the ($12) Gunter tier for 4 months in any non-USD currency and then linked to a Neos Account to claim their rewards. They will get $36 worth of rewards (according to the Patreon membership reward scale) because that is the closest perk below the unclaimed sum of $48, with the next perk level being $72.
Trading NCR on exchanges
It is strongly recommended that people intending to mint NCR, or otherwise use cryptocurrency, familiarize themselves with some of the fundamentals of the technology. Cryptocurrencies are an area of extremely active software development and may present advantages over fiat currencies for certain purposes. However, more responsibility rests with users to ensure the security of their funds and that their transactions are sent to the correct addresses due to the decentralized nature of cryptocurrencies. Note that the regulatory environment (including taxation rules) governing cryptocurrency transactions and storage can vary between states and countries - it is the responsibility of each individual to determine how to comply with local laws. Below are some useful introductory videos:
- An accessible introduction to the basics of cryptocurrency:
- Video tutorial which covers buying Ethereum, minting NCR, and sending it to the in-Neos managed wallet (Note that some UI shown in the video is now out of date):
- Video tutorial which covers withdrawing NCR from the in-Neos wallet and selling it on an exchange (Note that some UI shown in the video is now out of date):
|
economics
|
https://bmc.or.id/pages/11/bri-received-the-best-bank-for-csr-award-at-asiamoney-best-bank-awards-2018-indonesia/
| 2020-05-27T13:11:26 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347394074.44/warc/CC-MAIN-20200527110649-20200527140649-00223.warc.gz
| 0.956104 | 345 |
CC-MAIN-2020-24
|
webtext-fineweb__CC-MAIN-2020-24__0__68368201
|
en
|
BRI Received the "Best Bank for CSR" Award at Asiamoney Best Bank Awards 2018: Indonesia
As the oldest bank in Indonesia, Bank Rakyat Indonesia has become a pioneer in social contributions to the development programs, especially, for the Indonesian public sector. Under the leadership of Director, Mr. Suprajarto, BRI actively participates in providing natural disaster aid, education support and health improvement. During the 2017-2018 period, a total donation of US $ 10 million was channeled to the community by BRI, which took the photograph "Proud to be Indonesian".
In its role as a state-owned company, BRI persistently fulfills its responsibilities "to help empower the community's economy"
Some of BRI's Corporate Social Responsibility Program includes, Indonesia Sejahtera, program which aims to reduce Indonesia's poverty rate. Indonesia Lestari BRI program that plays a role in restoring wildlife habitat and conservation, especially mangroves. BRI also often seeks to preserve the environment through the BRI Indonesia Sustainable program that plays a role in restoring wildlife habitat and conservation, especially mangroves. The total funds that have been donated by BRI for social development have reached Rp. 32.09 billion or US $ 2.2 million during 2017.
With its focus on developing and empowering micro-businesses, BRI designed thousands of low-interest loans and fund channels that were able to strengthen and encourage the presence of small businesses by helping working capital and fixed assets be achieved through its partnership program. In the aspect of partnership loans, throughout 2017 BRI has allocated US $ 15 million to more than 300 small ownership in agriculture, fisheries, and livestock.
|
economics
|
http://pricedropcity.uk/argos-unbranded-ledbury-extending-wooden-dining-table-birch-10002887173
| 2024-04-14T10:18:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816879.25/warc/CC-MAIN-20240414095752-20240414125752-00127.warc.gz
| 0.89839 | 283 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__123199529
|
en
|
The attractive and functional extending Ledbury dining table is the perfect solution for your dining needs. Constructed from high quality birch veneer with a delightful pale birch finish, this table will bring a fresh and clean look to your dining space. Part of the Ledbury collection. Table size: H73.5, L150, W80cm. Size of table extended H73.5cm. Size of table extended L190cm. Wood veneer table and wood veneer legs. Weight of table 39kg. EAN: 5055529589234.
Sold by: Argos
More savings at Argos
More savings on Unbranded
Product Category: Home and garden: Dining tables and chairs
More savings in Home and garden: Dining tables and chairs
Price Drop City has been tracking this product since Sunday 10 August 2014. Since then, the lowest price it has sold for is £259.99 (first seen on Sunday 10 August 2014) and the highest price it has sold for is £412.69 (first seen on Sunday 9 November 2014).
The median price over the time we have been tracking it is £259.99.
This product has changed price six times since we started tracking it, giving it a price volatility rating of 2.
|
economics
|
http://uokerbala.edu.iq/en/a-workshop-on-ecotourism/
| 2020-02-18T14:02:25 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875143695.67/warc/CC-MAIN-20200218120100-20200218150100-00077.warc.gz
| 0.965277 | 188 |
CC-MAIN-2020-10
|
webtext-fineweb__CC-MAIN-2020-10__0__149751439
|
en
|
The College of Tourism in the University of Kerbala conducted a workshop entitled ‘Ecotourism: The Most Important Means of Sustainable Development and Green Economy’. The event was attended by several lecturers and staff members from the college.
The workshop, which was conducted by Mr. Ali Hussein, discussed the indicators of tourism growth, the effects of traditional tourism on the environment, the differences between traditional tourism and ecotourism, and the importance of applying the basis of ecotourism in Iraq.
The workshop concluded that ecotourism is an essential component of sustainable development and green economy. Moreover, Mr.Ali emphasized that the sectors which are related to tourism should cooperate to establish the basis of ecotourism in Iraq, ecotourism should be integrated in the curriculum of the schools, and the government should conduct conferences as well as exhibitions about ecotourism to promote tourism in Iraq.
|
economics
|
http://ccla.edsoft.com.mx/apartments-peru-under-development/
| 2021-10-24T03:59:25 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585837.82/warc/CC-MAIN-20211024015104-20211024045104-00396.warc.gz
| 0.925146 | 199 |
CC-MAIN-2021-43
|
webtext-fineweb__CC-MAIN-2021-43__0__17204689
|
en
|
Juan de Arona
Located in one of the principal avenues of San Isidro district, minutes away from one of the main business areas of the city that holds the headquarters of the country’s largest companies and banks. Additionally, it is blocks away from Javier Prado Ave, the second largest avenue in the city, providing good public transportation and proximity to many entertainment establishments. This is a 10-story building that contemplates a residential and a retail component.
Located on Miraflores, one of the districts with the highest standards of living, due to its extensive number of public parks, plazas and a bustling commercial scene with a variety of services ranging from modern malls, high end hotels, local and international cuisine to crafting stores, art galleries, theatres and recreational centers. All of this has positioned Miraflores as the go-to touristic area of Lima. This is a 22-story building that contemplates a residential and a retail component.
|
economics
|
https://go.forwardspace.com/blog/q-a-blake-mycoskie/
| 2024-04-13T19:27:28 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816832.57/warc/CC-MAIN-20240413180040-20240413210040-00191.warc.gz
| 0.971958 | 1,683 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__139234053
|
en
|
On TOMS Shoes
TOMS Shoes is a company with an extraordinary premise: with every pair of TOMS they sell, they also give a pair of new shoes to a child in need in places like Argentina, Ethiopia, and South Africa. The shoes protect children from cuts, sores, and soil-transmitted diseases that can penetrate the skin through bare feet, and they also complete the uniform they need to attend school. The TOMS One for One business model has resulted in more than a half-million pairs of new shoes given to children around the world, including the U.S. through its giving partners.
TOMS is the fifth different business founded by 33-year-old Blake Mycoskie. Earlier start-ups include a door-to-door laundry company and an online driver’s education school. Former President Clinton has called Mycoskie “one of the most interesting entrepreneurs (I’ve) ever met,” and the company and its founder have been covered by Time, People, CBS News, and scores of other media. While in Chicago for a “Style Your Sole” event at the Steelcase showroom, Mycoskie sat down with Threesixty to discuss the TOMS sustainable business model.
Where did the idea for TOMS come from?
I was on vacation in Argentina and met a few women at a café who were doing a volunteer shoe drive. They were going around to the wealthy people in Buenos Aires, collecting slightly used shoes, and then putting them on these children about two hours outside of the city who desperately needed shoes to go to school. I went with them, and it was something amazing. I saw all these incredibly compassionate, loving people, getting on their hands and knees, putting these shoes on these kids’ feet.
How did that lead to the One for One model?
On the one hand, I was really touched, but on the other hand a little bit concerned. I thought, these volunteers are going to go home, and these kids are going to grow out of these shoes, or they’re going to wear out of them. Who’s going to give the next pair of shoes? How is this really going to be sustained? I thought there needed to be a better way than just the typical charity model. So I came up with this idea: instead of starting a charity, what if we start a business, a for-profit company, where every time we sold a pair of shoes, we gave a pair away? That way we wouldn’t be dependent on donations and foundations.
You wanted to avoid a traditional charitable giving model?
I worried about sustainability. I kept thinking, if I start a charity, maybe the first year would be great: my parents and friends and family would donate, and I’d buy shoes and give them to my kids. Maybe the second year would be great, but then what happens if you have something like Hurricane Katrina and I go to my supporters and they say, “Well, we’re donating to Hurricane Katrina relief?” Rightfully so, but what am I going to tell the kids that are used to wearing shoes now? I never want to be in that position, and that’s one of the reasons why I decided to create this one-for-one model.
Was that a life-changing moment for you?
That would be really romantic, but the truth is, no. When I had the idea, it was just that, an idea, it was a hypothetical. But when life really did change, when it really got turned upside down, was when I was on that first TOMS Shoe Drop. When I was putting these shoes on kids, it was just amazing. That was when I knew this is my calling, this is what I’m supposed to be doing with the entrepreneurial skills and gifts that I have been given.
Is TOMS a sustainable business?
I used the capital from selling my last business to my old partners to fund TOMS. We’ve never had to go to an investor, it’s been completely self-funded, so we can stay true to our giving philosophy in our business the way that we want to and not the way that maybe an investor or someone else of influence would want. I’m an entrepreneur. I want to build a business. But at the same time, profit is not the main thing driving the business. It’s important that we’re profitable, and this year we will be for the first time, because that’s the only way you can truly have sustainability. Ultimately, I’m trying to create something that’s going to be here long after I’m gone.
You’re defining sustainability in a different way…
You hear a lot about sustainability in all different realms now. Definitely on the environmental side, on the business practice side, etc. For me, sustainability is knowing that when I give a child a pair of shoes, that when they wear them out or grow out of them, they’ll be able to get another pair, and another pair. We’re going to keep them in shoes because that allows them to go to school and prevents foot diseases. For us to truly say we’re sustainable, we have to not only build a business so we are allowed to continue to give shoes by selling shoes, but we also build profits so if we have a bad season, we can continue to give shoes. The fashion business is very cyclical; that’s just part of the business.
What about the environmental aspect of sustainability?
We’re working on it. Not every practice is as good as it could be, but we’re getting there. We’re focusing, for example, on what we can do in our office. We have a “green team” that really has helped change a lot of our internal practices, some as simple as not using bottled water in the office, using coffee mugs instead of paper cups, and saving all the packaging that comes into our headquarters to reuse for sending things out.
How sustainable is TOMS manufacturing?
We manufacture now in Argentina, Ethiopia, and China. It’s based on where we’re giving. We’re trying to eliminate or reduce transport and energy and cost. We require that the factories operate under sound labor conditions, pay fair wages, and follow local labor standards, and a code of conduct is signed by all factories. Our production staff routinely visits these factories to make sure they are maintaining these working standards. We also have third parties audit the factories at least once a year to ensure they adhere to proper labor regulations. In fact, we recently had to part ways with a supplier over healthy and safety concerns.
Are TOMS shoes sustainable products?
One of the new materials we introduced this year looks like a normal canvas, but it’s actually made with 70% recycled plastic bottles and 30% hemp. It’s very environmentally sustainable, it’s very strong. Many of our shoes use pesticide-free cotton canvas, and recycled rubber scraps in the bottom unit material. Starting next spring the TOMS shoebox will be completely redesigned with post-consumer recycled paper and soy inks. We’re experimenting with new types of materials for our shoes and constantly improving, but we have a long way to go.
Does every TOMS employee get a chance to distribute the shoes to kids?
We pay for every single employee at TOMS — and we have 72 full-time people– to go on a Shoe Drop once every two years. That requires everyone to work as a team, because you can’t leave for two weeks unless you have someone who can do at least part of your job while you’re gone. So no one becomes the holder of the information. It requires more teamwork this way. It also costs us about $3,000 each time we send someone. But when they come back they are so inspired and excited and energized — and then they energize and excite everyone else!
|
economics
|
http://waterpebbleus.com/wholesale.html
| 2018-02-21T14:37:30 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891813626.7/warc/CC-MAIN-20180221143216-20180221163216-00517.warc.gz
| 0.879807 | 204 |
CC-MAIN-2018-09
|
webtext-fineweb__CC-MAIN-2018-09__0__270953216
|
en
|
the eco friendly water activated shower timer
Own Label Pack
Print – Logo Size 10- 35mm max
$0.25 per color. Min is 500 units
This award winning water saver is probably one of the cleverest items available in today’s growing water saving eco market.
Waterpebble helps to change peoples water consumption habits gradually.
so saving you money!
Showering accounts for 17 percent of the water that Americans use inside their homes, or 1.2 trillion gallons of water used in the United States each year. By following the easy to understand patented Traffic Light system an average family of four could save up to $300 per year on water and energy costs. Including 12,700 gallons of water.
Clever - just set it and forget it!
You are now saving money and reducing your carbon footprint!
For a full range of water saving and energy conservation products visit our main storefront at www.floridaecoproducts.com
|
economics
|
https://pureliferx.com/medicare-donut-hole/
| 2020-12-03T09:46:05 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141727627.70/warc/CC-MAIN-20201203094119-20201203124119-00119.warc.gz
| 0.916071 | 443 |
CC-MAIN-2020-50
|
webtext-fineweb__CC-MAIN-2020-50__0__215859356
|
en
|
Medicare Donut Hole
Frequently asked questions about Medicare Donut Holes:
How does the Medicare donut hole work or what does it mean?
A donut hole is where the Medicare prescription drug coverage goes into a coverage gap or “donut hole” where you, the patient, have to pay for drugs out of your own pocket. Not good!
When does the donut hole start?
In 2018 your coverage gap generally starts once you and your plan have spent $3,750 on covered drugs.
When does the donut hole end or when does it go away?
In 2018 you get out of the donut hole when you have paid $5,000 out-of pocket for covered drugs since the start of the year. When you reach this out of pocket limit, you get Catastrophic Coverage.
When you reach Catastrophic Coverage, you pay either a 5% coinsurance for covered drugs or a copay of $3.35 for covered generic drugs and $8.35 for covered brand-name drugs, whichever is greater.
Can you avoid the Medicare donut hole?
One of the most common ways to avoid going into the donut hole is to buy low cost generic medications throughout the year. You must try to avoid the expensive brand name medications that can speed you right over the cliff into the donut hole. Generic drugs are required by the FDA to have the same ingredients as the brand-name version, at the same dosage, be administered the same way, and be proven to have the same effect. Ask your health care provider if any of your prescriptions can be switched to generics.
Another way to save money and avoid the donut hole is to order 90-day supplies of you generic medications at a discount. Pure Life Pharmacy specifically has plans to encourage the 90-day supply purchase of generics. We have a “buy 2 months get the 3rd month FREE!” program on the most popular maintenance med generics.
Please click this link to see a list of our generics on promotion.
Here are some reference links for more information on the Medicare donut hole:
|
economics
|
https://mysocalledgaylife.co.uk/2014/10/hiv-life-assurance-survey-2014/
| 2018-09-25T20:50:56 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-39/segments/1537267162385.84/warc/CC-MAIN-20180925202648-20180925223048-00355.warc.gz
| 0.95924 | 507 |
CC-MAIN-2018-39
|
webtext-fineweb__CC-MAIN-2018-39__0__31112345
|
en
|
This is the fourth year that Unusual Risks have surveyed the availability of HIV Life Assurance in the UK, with the earliest survey result in 2011 indicating only 50%* of insurance providers were offering any form of HIV Life Assurance. This year Unusual Risks have expanded their survey to find out more about the availability of Income Protection and Critical Illness Cover to people living with HIV. They have also looked at the number of HIV Positive People that would consider taking out such policies if they became available.
Speaking about their survey, Chris Morgan, Lead Financial Adviser of Unusual Risks said;
‘We recently surveyed the top ten life assurance groups servicing brokers and were delighted to see that 70% of companies are still offering Life Assurance to HIV Positive people. It is encouraging to see a wide range of Life Assurance products available to the HIV community’.
‘Unusual Risks are constantly working with insurance providers to create better products and services for the HIV community. In this year’s survey we also decided to look at the availability of Income Protection Insurance and Critical Illness Cover to people with HIV’.
‘We are now receiving regular enquiries about the availability of Income Protection and Critical Illness Cover from HIV Positive people. However, we are still unable to offer these types of products to people living with HIV as they are unavailable in the market place’.
In this year’s HIV Insurance Survey Unusual Risks established that currently 0%* of the major Insurance companies surveyed currently offered any form of Income Protection Insurance or Critical Illness Cover to people already diagnosed with HIV.
In a further part of their survey Unusual Risks established that 61%* of people living with HIV would consider taking out some form of Income Protection or Critical Illness Cover if it was made available to them in the market place.
Chris Morgan at Unusual Risks led the campaign for the introduction of HIV life Assurance from 1999 through to its introduction in 2009. He believes that it’s now time the UK Insurance industry take a serious look at providing Income Protection and Critical Illness Cover for people with HIV.
If you require more information on HIV Life Assurance, HIV Life Insurance or HIV Mortgages please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075, or by email at [email protected] and on the web www.unusualrisks.co.uk
|
economics
|
http://www.thefriendlife.com/tag/real-estate-markets/
| 2018-01-22T18:32:26 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084891530.91/warc/CC-MAIN-20180122173425-20180122193425-00056.warc.gz
| 0.971271 | 731 |
CC-MAIN-2018-05
|
webtext-fineweb__CC-MAIN-2018-05__0__78368915
|
en
|
Long Island, New York is perhaps one of the hottest real estate markets in the US, if not in the world. During the third quarter of 2015, it was reported that sales on the Long Island housing market were at the highest that they’ve ever been over the last twelve years. Despite the recent economic depression hitting many real estate markets, Long Island real estate owners have benefitted from a significant increase in the average sales price.
Given the statistics in the previous paragraph, it is indeed a good time to be a Long Island (LI) realtor. While just about anyone can study up on real estate law to qualify as one, it takes a bit more to become one of the best and thus benefit from the area’s booming property market.
So, what sort of qualities should someone who aspires to be a great LI realtor have?
The following are some of the traits that most of the best LI realtors have:
1.) A working knowledge of the locale.
It is practically impossible for anyone who’s never lived in Long Island or ever sold a house there to make it in the Long Island property market. To be a great LI realtor, you first need to spend some time getting to know the area. Which parts of it are the most active? Which part of Long Island serves as the center of commerce? Which areas have the best schools? Which areas are relatively quiet?
The best realtors can answer the aforementioned questions confidently in a heartbeat, and thus provide great value to their clients. Knowing the area well will help you package a house for a seller in a way that will sell it off quickly. Buyers, on the other hand, will appreciate it if you are able to zero in on the sort of properties that serve their stated needs. If you have difficulty answering the said questions, then perhaps you need to learn the lay of the land a bit more.
Given the demand for Long island properties as well as the relative shortage of such, buyers and sellers alike value persistence in their brokers. Someone who doesn’t quit easily or does not quit at all is bound to get better results for their client, after all.
One sure sign of a tenacious LI realtor is the initiative to follow up with clients after a home or a property has been shown.
3.) A certain degree of showmanship.
The best realtors are always impeccably groomed and confident. They often exude the sort of quiet self-assurance needed to put prospective buyers at ease. Often, buyers gravitate towards the kind of realtor who seems to put only the best properties on his or her listings.
A good LI realtor should also be able to showcase and present the home or property of their client as though they take a great personal pride in the making of such. Rather than just going through the motions, the realtor should be enthusiastic about the house’s biggest selling points, be it the location, décor, or facilities.
4.) Good connections.
One of the reasons why people hire brokers is because they are supposed to have a good network of people who are both buying or selling a property. Top realtors not only have the best property listings. They also have access to a very comprehensive and updated list of prospective buyers. Having one of the two is good, but having both will propel you even further as a broker.
Unless they function independently, brokers who represent the most renowned realty agencies are also viewed more favorably since they are bound to have undergone intensive training under the latter.
|
economics
|
https://press.buffiniandcompany.com/7-traits-emigrants-follow-to-achieve-unprecedented-success-on-the-entreleadership-podcast/
| 2023-10-05T03:11:45 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511717.69/warc/CC-MAIN-20231005012006-20231005042006-00033.warc.gz
| 0.947409 | 897 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__88829237
|
en
|
Brian Buffini, Dave Ramsey Share 7 Traits Emigrants Follow to Achieve Unprecedented Success on the EntreLeadership® Podcast
Buffini discusses the winning attributes of successful emigrants on popular podcast hosted by financial expert Dave Ramsey
CARLSBAD, Calif. (May 16, 2023) — Emigrants to America are four times more likely to become millionaires than those born in the United State, according to Brian Buffini, the chairman and founder of Buffini & Company, North America’s largest coaching and real estate training company. Not only that, one out of every five Fortune 500 companies has been started by an emigrant. This, in spite of the fact only 13% of the population is an emigrant.
According to Buffini, those who were born in the United States can achieve that type of success as well, if they follow the principles outlined in his bestselling book, “The Emigrant Edge”. He discusses those attributes during an interview on “EntreLeadership®,” the popular podcast hosted by personal financial expert Dave Ramsey.
Buffini, who was born in Ireland, came to the United States as a young man. A tenacity for hard work helped him achieve astounding success, becoming a millionaire at age 26 and one of California’s top real estate agents before founding Buffini & Company in 1996.
“We’re in the land of opportunity,” Buffini says. “Fortunes are going to be made in the next 5, 10, 15 years. And if people listening today want to do that, they can.”
In the podcast, Buffini and Ramsey discuss what Buffini believes the seven winning attributes of emigrants are. They include:
- An openness to learn.
- A “do whatever it takes” attitude.
- A willingness to outwork others.
- A heartfelt spirit of gratitude.
- A boldness to invest.
- A commitment to delay gratification.
- An appreciation of where you come from.
Of those traits, gratitude was especially important, they notes.
“The two most powerful words in business are ‘thank you,’ “ Buffini says. “And emigrants are grateful for the opportunity to do business here.”
“There is something that is unleashed in the human spirit that allows space, allows margin, to create success only when you learn gratitude,” Ramsey agrees.
The EntreLeadership podcast features real-life, real-time business and leadership coaching from Ramsey as well as other featured business leaders. To view the episode featuring Buffini click here.
Buffini will also be a guest speaker at the EntreLeadership Summit to be held in Nashville, Tenn., May 30-June 2. To learn more and register, visit ramseysolutions.com/shows/summit-livestream.
About Buffini & Company
Buffini & Company is the largest coaching and training company in North America. Founded by real estate legend and master motivator Brian Buffini, the company provides a unique and highly effective lead generation system. Buffini & Company’s comprehensive business coaching, training programs and cutting-edge content have helped more than 3 million professionals in 45 countries improve their business, increase net profit and enhance their quality of life. To learn more about Buffini & Company, visit www.buffiniandcompany.com.
About Brian Buffini Brian Buffini, chairman and founder for Buffini & Company, was born and raised in Dublin, Ireland, emigrated to San Diego, California in 1986, where he became the classic American rags-to-riches story. Discovering real estate, Brian quickly became one of the nation’s top real estate agents working a non-traditional methodology based on building long-term relationships with clients. Today, he travels the world sharing a message of encouragement about how to live your best life. His wit, wisdom and motivational style make him a dynamic speaker and host of “It’s a Good Life” podcast where he delivers simple tips, tools and training for a good life. He is a New York Times, Amazon and Wall Street Journal bestseller with his latest book, “The Emigrant Edge.” Learn more at brianbuffini.com.
|
economics
|
http://www.speedtech500.com/index.php?option=com_content&view=article&id=160&Itemid=107
| 2014-04-21T01:59:48 |
s3://commoncrawl/crawl-data/CC-MAIN-2014-15/segments/1397609539447.23/warc/CC-MAIN-20140416005219-00362-ip-10-147-4-33.ec2.internal.warc.gz
| 0.947008 | 155 |
CC-MAIN-2014-15
|
webtext-fineweb__CC-MAIN-2014-15__0__196299322
|
en
|
Bronze Corporate Motorsports Program
Our most economical corporate program, valid for a one-year period. This program includes:
- Graphics (4" x 8") provided by your company on all race cars for a period of one year. (Valued at $5,000)
- 15 “Warmin’ Up” program vouchers to be used on different occasions or for a corporate outing. These vouchers would be made available to you for a one-year period. (Valued at $10,000)
- Placement of your logo/general information on our website and a link between our website and your corporate website that mutually benefits both companies. (Valued at $1,000)
Please call for pricing and track availability.
|
economics
|
https://williams317.firstbetyenigiris.com/2021/06/29/the-incredible-experience-of-playing-in-casino-korea/
| 2021-10-16T00:24:28 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323583087.95/warc/CC-MAIN-20211015222918-20211016012918-00449.warc.gz
| 0.977506 | 861 |
CC-MAIN-2021-43
|
webtext-fineweb__CC-MAIN-2021-43__0__108586099
|
en
|
The Incredible Experience of Playing in Casino Korea
The interesting history of how Koreans got known as Casino Korea is quite interesting to say the least. Basically, it all started when some North Korean people decided they desire to open an illegal casino at the illegal border between North and South Korea. It had been an extremely risky and taboo subject, so there were many police who stood by watching. They even setup road blocks to stop vehicles from crossing into the country to visit or do business with the casino.
Eventually, the police learned all about this whole situation and the soldiers guarding the border stopped allowing vehicles to cross. This was when the South Korean businessmen made a decision to build a cheap hotel on the Chinese border. This was the initial step toward what would become referred to as the Casinos of Korea. Eventually, it evolved into what we realize today because the Casinos of South Korea and the Korean Peninsula. Today, there are a lot more than 20 such casinos operating in the Korean peninsula, with more opening in different places.
There are two major reasons why South Korean businessmen decided to open a casino in the North. First of all, it allowed them to utilize the rich Korean gaming culture. It really is no secret that the Korean gaming industry is probably the most profitable on the planet. Many westerners view it to be very similar to the planet of gambling, except for the fact that it is entirely legal in South Korea.
In addition to this, the North Korean businessmen saw a chance to make some quick money by starting a casino in the North. North Korea’s location, being isolated from the rest of the world, made it possible for the north Korean businessmen to charge extremely low charges for their goods. This was a large advantage for the North Korean businessmen. The lack of goods and services in the united kingdom forced the government to interfere and make their life harder. With the current presence of a foreign company, the government had no other choice but to reduce its price or let them sell their goods at an extremely low rate.
Since the casinos started opening in the North, the quantity of foreign tourists to the united states in addition has increased dramatically. Many foreigners saw the wonderful offers that the North Korean casinos offered and believed that they could do the same with real cash. These were the conditions that the North Korean players saw for themselves and it is very easy to see why they decided to take advantage of it. All they had to accomplish was gamble some money plus they won!
Unfortunately, these bargain deals didn’t last long. Regulated by the federal government immediately after its opening, the south Korean players took to the virtual casinos and soon beat the chances and got a thrill from the excitement and fun of playing without risking anything. Soon, the south Korean players were beating the odds and winning the jackpot in virtual casino Korea. With this success, more citizens begun to play there and the country’s appeal grew tremendously.
With the Internet’s popularity growing, more foreign businessmen were looking at the offer of online roulette and they saw the options of gambling in the country. With the people’s interest, the federal government allowed for more casinos to be opened in the south Korea. This trend only increased once the demand became large. Nowadays, there are many online casinos in the south Korea that cater to the needs of the players. They have added features and services such as for example live streaming television and also internet bingo to attract more clients. If you need to experience the excitement and fun of gambling in the real world, then there is absolutely no better place than the south Korea.
If you visit the south Korea, you won’t ever be bored. The casinos can be found in beautiful locations and provide a lot of exciting things to do and see. It is possible to enjoy your stay at the hotels that are situated in the area and try out all the different forms of casino games. As long as you are good at playing online roulette, then you will surely have fun in the casino korea. You may even prefer to visit other attractions in your community such as the Olympic Park and the 우리 카지노 추천 Dong Eui Hospital.
|
economics
|
https://airlinesreservationsnumbers.com/the-0-rupee-ticket-offer-by-vietjet-unpacking-the-deal/
| 2023-12-07T04:18:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100632.0/warc/CC-MAIN-20231207022257-20231207052257-00737.warc.gz
| 0.938756 | 561 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__237496801
|
en
|
VietJet, a well-known player in the aviation industry, has recently caught the attention of travelers with its unique 0 Rupee ticket offer. This seemingly irresistible deal promises a flight for free but comes with a twist – it ultimately costs 14,000 Rupees. In this article, we’ll dissect this offer and provide a comprehensive overview of what travelers can expect.
The 0 Rupee Ticket: What It Entails
The idea of a “0 Rupee” ticket naturally grabs the attention of budget-conscious travelers. It appears as if you’re getting a flight completely free of charge. However, as the saying goes, “there’s no such thing as a free lunch.” VietJet’s 0 Rupee ticket is no exception.
Understanding the Fine Print
Upon closer inspection, it becomes evident that this offer is more of a marketing strategy than a true freebie. While the base fare might indeed be advertised as 0 Rupees, the total cost inevitably includes additional charges and fees, bringing the grand total to 14,000 Rupees.
Breaking Down the Costs
Taxes and Fees
The primary contributors to the final ticket cost are taxes and various fees. These include airport taxes, security charges, and service fees, among others. It’s crucial for travelers to be aware of these additional costs upfront, as they significantly impact the affordability of the ticket.
Another factor that influences the final ticket cost is dynamic pricing. Airlines often employ this strategy, adjusting fares based on factors such as demand, booking timing, and seat availability. This means that even though the base fare is advertised as 0 Rupees, the final price may vary depending on when and how you book.
Is It Still a Good Deal?
Factors to Consider
Whether or not the 0 Rupee ticket offer by VietJet is a good deal depends on individual circumstances. Travelers should consider factors such as their flexibility with travel dates, willingness to accept potential fluctuations in price, and their overall budget.
Transparency and Expectations
VietJet’s offer highlights the importance of transparency in the airline industry. While the 0 Rupee ticket may seem like a fantastic deal at first glance, travelers must be aware of the additional costs and potential fluctuations in pricing. Setting realistic expectations is key to a satisfying travel experience.
In conclusion, VietJet’s 0 Rupee ticket offer is a compelling marketing tactic that can indeed provide budget-friendly travel opportunities. However, it’s essential for travelers to approach this offer with a clear understanding of the additional costs involved and the potential for price fluctuations. By doing so, they can make an informed decision and determine if this deal aligns with their travel plans and budget.
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economics
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https://coresectorcommunique.blogspot.com/2012/09/iron-ore-price-posts-record-jump-spot.html
| 2023-05-30T14:43:11 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224645810.57/warc/CC-MAIN-20230530131531-20230530161531-00152.warc.gz
| 0.949751 | 1,023 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__157798965
|
en
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Iron ore price posts record jumpSpot iron ore posted its biggest one-day gain on record yesterday and China steel futures rose sharply for a second day, supported by hopes Beijing’s approval of $US157 billion ($150 billion) in infrastructure projects would resuscitate steel demand.
Offer prices for imported iron ore cargoes in China rose over the weekend and the benchmark rate jumped by $US6, or 6.7 per cent, to $US95 a tonne on Monday, based on data from information provider Steel Index.
This is the biggest rise ever recorded by the Steel Index, which started assessing spot iron ore prices in April 2009.
“There’s more interest now from buyers to get iron ore cargoes even at prices slightly higher than previous deals. Sentiment’s better,” said an iron ore trader in Shanghai.
Local miners failed to respond to the price jump, with Rio Tinto down 0.4 per cent and Fortescue off 1.7 per cent. The more diversified BHP Billiton was trading flat. Iron ore miners had rallied strongly in the previous two session.
China’s economic planning body on Friday approved projects to build highways, ports and airport runways, that analysts estimate at more than 1 trillion yuan ($150 billion), roughly a quarter the size of the massive stimulus package unleashed in response to the global financial crisis in 2008.
Shanghai rebar futures surged by their 5 per cent limit on Friday on the news, and spot iron ore rose more than 2 per cent.
On Monday, the most-traded rebar contract for January delivery on the Shanghai Futures Exchange hit a two-week high of 3508 yuan a tonne. It closed up 2.7 per cent at 3497 yuan.
“I guess the market’s divided now. Half expect the price gains to continue while the other half are still pessimistic,” said another Shanghai-based trader.
European traders said sentiment had improved on the back of the planned infrastructure spending but many warned the price rise might be temporary as the amount is smaller than previous ones and it would take time before these plans were implemented.
“The news of a trillion yuan being injected into infrastructure spent in China was the biggest catalyst for today’s jump to the upside. Compared to 2009 though when nearly 15 trillion was injected, this is small cheese,” London Dry Bulk, an iron ore brokerage, said in a report.
“When you take a step back and look at this, it is not really that significant and this could be just a knee jerk reaction. Perhaps prices will continue to fall further after the dust settles.”
BHP Billiton is selling more cargoes at a tender on Monday – 100,000 tonnes of 62.7-per cent grade Australian Newman iron ore fines and 90,000 tonnes of 57.7-per cent grade Yandi fines, traders said.
Brazil’s Vale, the world’s top iron ore miner, is selling two cargoes – 134,000 tonnes of 63.36-per cent grade iron ore lumps and 176,000 tonnes of 64.98-per cent grade Carajas fines, said traders.
Traders expect prices at both tenders to rise further.
“We would take this chance to clear our stocks at higher prices. We already received offers that are 30 to 50 yuan higher than the last offers,” said the first trader.
Despite the firmer offers, he said the prices were still about $US10 less than the purchase price of the cargoes, totalling about 200,000 tonnes.
The second trader said he had yet to hear from clients and doubted whether the iron ore price rise would last.
Before this rebound, iron ore and steel prices were in a downward trajectory, with iron ore hitting a near three-year low of $US86.70 a tonne on September 5 and Shanghai rebar futures reaching a record low of 3,206 yuan on September 6.
China’s imports of iron ore in August rose 7.9 per cent from the previous month to a three-month high of 62.45 million tonnes, data showed on Monday, with buyers turning to the international market as a collapse in prices forced domestic producers to slash output.
“Imports stayed high in August because these orders were made in July or earlier. But this certainly implies that there’s oversupply in China,” said Helen Lau, senior commodities analyst at UOB-Kay Hian in Hong Kong.
“We think iron ore prices are still under downside pressure and we maintain our view that in the coming months, iron ore imports will come down to around 30 million to 40 million tonnes. China has a high iron ore inventory, steel production has peaked and demand is weak.”
- Umesh Shanmugam
Post a Comment
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economics
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http://www.aboutgst.com/2017/04/22/how-to-grow-your-business/
| 2021-04-16T15:10:02 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038066981.0/warc/CC-MAIN-20210416130611-20210416160611-00080.warc.gz
| 0.951751 | 970 |
CC-MAIN-2021-17
|
webtext-fineweb__CC-MAIN-2021-17__0__101211822
|
en
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Section 10 and its related draft composition rules of CGST bill talks about the composition levy. The basic principle underlying the composition scheme is, to minimize the burden of compliance for small taxpayers. There are around 8 millions taxpayers that are expected to be migrated from the current laws into the GST regime, however many of these taxpayers will have limited turnover and may not have requisite resources and expertise to comply with all the procedure envisaged under the GST. Under the proposed GST regime, a small supplier of goods can opt to pay the GST levy under composition scheme. Important provisions regarding composition levy is as follows.
Basic Conditions for Composition Levy
1. He shall be a registered person under GST
2. His aggregate turnover in the preceding financial year should be less than INR 50 lakhs.
Prohibited Activities under Composition Levy
1. Supply of Services: He is not engaged in the supply of services other than supplies referred to in paragraph 6(b) of
2. Goods not Covered under GST: He is not engaged in making any supply of goods which are not leviable to tax under this
Act. Example: Liquor
3. Inter-State Supply: He is not engaged in making any inter-state outward supplies of goods.
4. He is not engaged in making any supply of goods through and electronic commerce operator who is required to collect tax
at source under section 52.
5. He is not a manufacturer of such goods as may be notified by the Government on recommendations of the Council.
Display of Composition Levy
1. He shall mention the words “composition taxable person, not eligible to collect tax on supplies” at the top of the bill
of supply issued by him.
2. He shall mention the word “composition taxable person” on every notice or signboard displayed at a prominent place at his
principal place of business and at every additional place or places of business.
Advantages of Composition Scheme
Limited Compliance : A normal taxpayer is required to submit a minimum of 3 returns on monthly basis and 1 yearly consolidated retrun. Thus, in a complete year he is required to furnish 37 returns to the government. Non-compliance of which will attract penalty. Further to furnish these returns, a small supplier is bound to maintain detailed books of accounts and keep records of all transactions along with supporting documents. However, under the composition scheme, taxpayer is required to furnish quarterly return and annual return only,thus he need not worry on record keeping and can focus on his business more rather than being occupied in compliance procedures.
Limited Tax Liability : Another benefit of getting registered under the composition scheme is that the tax rate for such taxpayer is nominal under the Model GST Law. Tentatively this rate is expected to be not less than 1% for manufacturer and 0.5% in any other cases instead of a standard reate of 18%
Level Playing Field : Just because a taxpayer has chosen to get registered under the composition scheme, doesn’t mean losing the competitiveness. Since the profit margin of a supplier in composition scheme is more than a large taxpayer, such supplier can outplay the economies of scale of large enterprises by offering competitive prices and key hold the local market of supply. Thus, composition scheme ensures the interest of small suppliers carrying out intrastate transactions and provides with a sustainable and competitive supply market.
Drawbacks of Composition Levy
Limited Territory for Business : A taxpayer registered under the composition scheme is barred from carrying out interstate transactions. Thus, he is compelled to carry only intra-state transactions and limits the territory of his business. Furthermore, this section is in contradiction of “One nation One tax” as this section limits the benefit only to the boundry of the state.
No Credit of Input Tax : There has been no provision of input credit on B2B model, such person will not be allowed the credit of input tax paid from the output liability. Also, the buyer of such goods will not get any credi of tax paid, resulting in price distortion and cascading. This will further result into a loss of businesss as a buyer registered as a normal taxpayer will not get any credit when buying from a person registered under composition scheme. Eventually such buyers might avoid purchases from a taxpayer under composition scheme.
No Collection of Tax : Though the rate of composition tax is kept very nominal at 1% or 2.5%, a taxpayer under composition scheme is not allowed to recover such tax from his buyer, as he is not allowed to raise a tax invoice. Consequently, the burden of such tax is kept on the taxpayer himself and this has to be paid out of his own pocket. Thus, the fundamental principle of limited compliance and tax burden on small taxpaer is defeated here.
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economics
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https://simon-auto.de/home-en/conditions/?lang=en
| 2022-11-27T05:02:25 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710192.90/warc/CC-MAIN-20221127041342-20221127071342-00258.warc.gz
| 0.939595 | 2,738 |
CC-MAIN-2022-49
|
webtext-fineweb__CC-MAIN-2022-49__0__141736432
|
en
|
General terms and conditions of the company:
Simon-Automotive Technology e.K.
Owner: Andreas Simon
Business Phone: 02208-3031
VAT ID No. /VAT-Number: DE 123 190 483
Tax Office Siegburg; Tax No. 220/5441/0151
Local Court Siegburg HRA 4990
- 1 Scope of application
- Our terms and conditions apply exclusively; We do not accept any terms and conditions of the customer that deviate from our terms and conditions unless we have expressly agreed to their validity in writing.
- Our terms and conditions also apply if we deliver the delivery without reservation to him in the knowledge of contrary or deviating conditions of the customer.
- By placing an order or accepting the first delivery, the customer recognizes the exclusive validity of our terms and conditions
- 2 offers, order placement
- Our offers are subject to alteration.
- If the customer’s order is to be qualified as an offer according to § 145 BGB, we are entitled to accept this offer within 10 days by sending an order confirmation or to send the ordered goods to the customer within this period. The customer remains bound to his offer within this period.
- We reserve the right to change the models or the equipment, design or shape changes, unless the delivery item is changed significantly and the changes are reasonable for the customer.
- We reserve the right of ownership and copyright in illustrations, drawings, calculations and other documents; They may not be made available to third parties without our prior express written consent. This applies in particular to such documents, which are marked as “confidential”
- 3 Awards and prizes
- Price changes are permissible if there are more than four months between the conclusion of the contract and the agreed delivery date. Prices are based on the operating seat plus shipping and packaging.
- We reserve the right to change our prices accordingly if, after conclusion of the contract, cost reductions or cost increases occur, in particular due to collective agreements or material price increases. We will prove this to the customer upon request.
- If the purchaser is a trader, a legal person of public law or a special public fund, price changes in accordance with the aforementioned rules are permissible if, between the conclusion of the contract and the agreed delivery date, more than six weeks Are.
- The prices are inclusive. Legal value Added tax.
- 4 Terms of payment
- Invoices are payable by COD, unless otherwise agreed.
- As far as the invoice is delivered, the invoices must be paid within two weeks of receipt of the invoice. If the customer is in default of payment, we are entitled to demand interest on arrears.
- The provisions of § 288 BGB apply with regard to default interest.
- Cheques and bills of exchange are only valid after redemption as payment. The acceptance of bills of exchange always requires a prior written agreement with us. When bills of exchange are taken, the bank’s discount and recovery charges are calculated. You are to be paid immediately in cash.
- The customer is only entitled to set-off rights if his counterclaims are legally determined, undisputed or acknowledged by us. Furthermore, he is entitled to exercise a right of retention insofar as his counterclaim is based on the same contractual relationship.
- 5 Delivery time, passing of risk
- The agreed delivery period begins with the dispatch of the order confirmation, but not before the submission of the documents, permits, approvals to be procured by the customer, as well as before receipt of an agreed down payment. In case of subsequent changes or additions of the buyer, the delivery time is appropriately extended.
- The delivery period is complied with if the readiness for dispatch is notified until its expiry or the delivery item has left the factory.
- The delivery period is extended to measures in the context of labour disputes, in particular strikes and lockouts as well as to the occurrence of unforeseen obstacles that are beyond our will, e.g. operational disturbances, delays in the delivery of essential Materials to the extent that such obstacles are demonstrably relevant to the delivery of the delivery item. The delivery period is extended according to the duration. Such measures and obstacles. We will inform the customer as soon as possible of the beginning and end of such obstacles in important cases.
- Partial deliveries are permissible within the delivery deadlines indicated by us, as far as disadvantages for use do not result.
- 6 Cancellation Fees
- If the customer withdraws from an order that has been ordered, we can, without prejudice to the possibility of claiming a higher actual damage. Demand 10% of the sales price for the costs incurred by the processing of the order and for loss of profit. The customer is only entitled to proof of a lesser damage.
- 7 Customer default of acceptance
- The customer is obligated to accept the delivery item. The customer shall be entitled to check the delivery item within fourteen days of receipt of the provision notice or other notification from the completion of the location. The customer has the obligation to accept the delivery item within the same period, unless he is temporarily prevented from through no fault for acceptance.
- If the customer is in arrears with the acceptance of the purchase item for more than fourteen days from receipt of the delivery advertisement intentionally or grossly negligently, we are entitled after a further period of fourteen days to withdraw from the contract or Claim compensation for non-performance. It is not necessary to set a grace period if the purchaser seriously or definitively refuses acceptance or is obviously not able to pay the purchase price even within this time.
- Instead of asserting these rights, we shall be entitled to dispose of the goods in any other way or to supply the customer with an appropriately extended period of time.
- If the customer declares that he will not accept the delivery item, the risk of accidental loss or accidental deterioration of the delivery item is already transferred to the customer at the time of the refusal.
- If the dispatch is delayed at the request of the customer, we are entitled, starting one month after the notification of readiness for shipment, the costs incurred by the storage, in the case of bearing arrangements in the business premises at least. However, 1/z% of the invoice amount for each month to charge the customer.
- 8 Defective material
- The Verjährungssfrist for material defects is 1 year for newly manufactured items if the buyer is not a consumer. Otherwise the legal limitation period of 2 years applies. In the case of used goods, the period of limitation shall be 1 year if the buyer is a consumer. If the buyer is not a consumer, the sale of used goods takes place excluding any material defects. It begins with the delivery of the goods. To the extent that a defect of the performance object is represented by us, we are entitled at our discretion to rectify the defect or to deliver the replacement. This also applies to used parts that we have revised.
- The claims for the elimination of defects of the buyer are primarily limited to a supplementary performance claim, i.e. a claim for repair or replacement of the goods. If the buyer is not a consumer, the seller has the right to vote for rectification or replacement delivery. In case of failure of the rectification or replacement delivery, the buyer may demand a reduction or rescind the contract. Subsequent improvement shall be deemed to have failed after the unsuccessful second attempt, unless otherwise determined in particular by the nature of the item or the defect or the other circumstances.
- The seller shall be liable in accordance with the legal provisions, provided that the purchaser asserts claims for damages which are based on malice, intent or gross negligence, including malice, intent or gross negligence of its representatives or vicarious agents Based. As far as the seller is not charged with intentional or grossly negligent breach of contract, the liability is limited to the foreseeable, typically occurring damage. If the claim for damages is based on culpable failure elimination, it is limited to the corresponding rates of the DAT/Schwacke list with regard to the costs of the construction and removal. In addition, liability for damages is excluded; In this respect, the seller is in particular not liable for damages that have not arisen on the delivery item, unless it is a violation of life, body and/or health.
- In the event of rectification, the seller is obligated to bear all expenses necessary for the purpose of eliminating defects, in particular transport, route–, Labour and material costs. This shall only apply to non-consumers if the costs are not increased by the fact that the purchased item has been transferred to a place other than that in which it was delivered.
- The buyer must assert claims for rectification of defects with the seller.
- In the case of a defect based on faulty assembly instructions, the seller’s obligation to carry out the material is only available if the assembly or installation of the sold item has been carried out by the other expert. The buyer must present and prove the competent implementation.
- Replaced parts become the property of the seller.
- 9 Data protection
The customer agrees that the seller shall store the data obtained from the business relationship in accordance with the Data Protection Act for his own business purposes.
- L 0 Retention of title
- We reserve the ownership of the delivery items until payment.
- In case of unlawful conduct of the customer, especially in case of late payment, we are entitled to take back after a reminder and the customer is obliged to surrender.
- The assertion of the retention of title as well as the attachment of the delivered items by us shall not be deemed to be a withdrawal from the contract unless the provisions of the Consumer Credit Act apply or are expressly declared by us in writing.
In addition, when used against merchants, a legal person of public law or a special public fund, the following shall also apply:
- The customer is entitled to resell the delivery items in the ordinary course of business; However, it already assigns to us all claims in the amount of the purchase price agreed between us and the customer (including value added tax) which accrue to the customer from the resale, irrespective of whether the delivered items are sold without or after Processing. The customer is authorized to collect these receivables after their assignment. Our authority to collect the claims itself remains unaffected; However, we undertake not to collect the receivables as long as the customer duly fulfills his payment obligations and is not in arrears with payment. However, if this is the case, we can demand that the customer discloses the assigned subsidies and their debtors, makes all the information necessary for collection, delivers the related documents and gives the Debtors (third parties) the assignment.
- The processing or transformation of the goods by the customer does not affect the retention of title. If the delivery items are processed with other items not belonging to us, we acquire co-ownership of the new item in the ratio of the value of the delivered items to the other processed items at the time of processing.
- If the delivery items are inseparably mixed with other objects not belonging to us, we acquire co-ownership of the new item in relation to the value of the delivered items to the other mixed items. The customer keeps the co-ownership for us.
- The customer may not pledge the delivery items or transfer them for security. In the case of seizures, seizures or other orders by third parties, the customer must inform us immediately and provide us with all information and documents necessary for the protection of our rights. Enforcement officers or a third party shall be instructed on our property.
- We undertake to release the securities to which we are entitled to the extent that the value of the receivables to be secured, if they have not yet been settled, exceeds 20%.
- 11 Car and Sports Accessories
- Car and sports accessories are subject to TÜV approval when used in road traffic. The customer shall ensure that all changes and modifications to the vehicles participating in public road transport are registered in the vehicle documents according to the legal regulations. We do not assume any liability for the TÜV acceptance of our articles, including those which have a TÜV certificate. To the extent that the TÜV acceptance is not carried out due to a defect in the acquired object, the warranty rules shall apply pursuant to § 7.
- 12 Legal venue
- For all disputes arising out of the contractual relationship, if the customer is a full trader, a legal entity of public law or a public-law special Fund, the claim must be brought to the court which is responsible for our head office Responsible. We are also entitled to sue at the customer’s headquarters.
- German law applies exclusively to the exclusion of laws on the international purchase of movable property, even if the customer has his registered office abroad.
- 13 Other Items
- Transfers of rights and obligations of the customer from the contract concluded with us require our written consent for their effectiveness.
- Should a provision be or become null and void, the validity of the other provisions shall remain unaffected.
|
economics
|
http://malaysiatravelnews.com/perlis-to-develop-tourism-sector/
| 2016-12-06T05:44:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2016-50/segments/1480698541883.3/warc/CC-MAIN-20161202170901-00502-ip-10-31-129-80.ec2.internal.warc.gz
| 0.971284 | 748 |
CC-MAIN-2016-50
|
webtext-fineweb__CC-MAIN-2016-50__0__14674720
|
en
|
Perlis To Develop Tourism Sector
Perlis, a small state in northern Peninsular Malaysia, intends to develop and enhance its tourism sector in an effort to attract tourists to make the state as a stopover location. Even though Perlis records about 2.5 million tourists annually, most of them only pass through the state in order to continue their journey to Langkawi, Kuala Lumpur or Singapore.
Towards this end, Menteri Besar Azlan Man said Perlis planned to create attractions so that transit tourists stop over for visits before continuing their journey to their destinations. “The state government plans to create tourism products to encourage tourists to participate in at least a two-night programme here,” he said to Bernama in an exclusive interview here.
He said Perlis has 22 kilometres of coastline and borders its neighbour, Thailand, and there were many economic activities that could be developed, including water theme park. Besides that, the state will also make use of the Timah Tasoh Dam by increasing its water level by 2.5 metres in order to create various environmentally-friendly recreational centres such as jet ski outlet.
Azlan said the state government would also reintroduce its Snake, Reptile and Bird Park in Batu Pahat to tourists by improving it with the different types of animals and upgrade it into a mini safari.
“Accordingly, Perlis needs more hotels of three-star, four-star or five-star, where investors who come here to invest in this sector can own 100 per cent ownership in terms of equity. This is one of the incentives offered to them,” said the menteri besar. According to him, the number of rooms available in the state currently was less than 1,000 and Perlis was targeting to increase this to 1,500 hotel rooms around Arau and Kangar in one-year period.
The development of the tourism sector is included in the state’s strategic plan, Perlis 2012-2030, to draw RM34.5 billion in investment value into the state. “On average, Perlis targets an investment value of RM2 billion and this is the minimum estimate that needs to be achieved. Last year, Perlis did not have a huge investment inflow, but this year, through the Northern Corridor Economic Region (NCER), we have obtained a project worth RM70.8 million,” he said.
Azlan said the state would also receive a project of more than RM40 million to expand its high-speed broadband (HSBB) network and cooperating with Felda Global Ventures Holdings Bhd (FGV) to build an environmentally-friendly rubber factory in Chuping, which also involved an investment of RM40 million. In the few months under his leadership, Azlan said the state government had brought in investments totalling RM150 million.
On increasing the number of houses to meet the demand from residents in the state, Azlan said Perlis also planned to provide 2,000 housing units under 1Malaysia Housing Scheme (PR1MA), and the locations have been identified. “We are also planning to build 1,000 units of medium-cost houses through a cooperation with the private sector. It will also build high-end houses such as bungalows, semi-detached and terrace houses.
“We are aware that economic development is accompanied by increase in housing units to meet the demand by residents, not only for those already living in the state but also for those who come to reside here, whether they are involved in economic activities or those who are working here,” he added. Source.
|
economics
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https://macarthur.tulsaschools.org/about-us/news/post/~board/district-news/post/howdy-burger-presents-check-to-strong-tomorrows
| 2021-01-19T11:01:42 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703518240.40/warc/CC-MAIN-20210119103923-20210119133923-00759.warc.gz
| 0.952295 | 281 |
CC-MAIN-2021-04
|
webtext-fineweb__CC-MAIN-2021-04__0__17966839
|
en
|
Strong Tomorrows now has more resources to help expectant and parenting students thanks to a local restaurant’s generosity.
Howdy Burger, one of Mother Road Market’s eateries, selects a charity each month, creates a new burger, and donates 25% of each one sold to that charity. Strong Tomorrows was drawn as the December recipient, and the check General Manager Steve Gleeson presented to them in January was the biggest one yet.
“It’s fantastic to give back to TPS,” he said.
Strong Tomorrows works to improve attendance and graduation rates for students in the program by teaching them how to balance their parental responsibilities with their schoolwork and providing childcare. The program also offers information and guidance on prenatal care, parenting, finances, and building healthy family relationships.
With good grades, behavior, attendance, and program participation, students can earn points that they can cash in for the supplies they need for their child. The $1,100 provided by Howdy Burger will allow Strong Tomorrows to purchase additional inventory.
“Extra money is always so helpful for items we don’t have that they need, especially to get them through the summer,” said Colleen Fox, the Strong Tomorrows case manager at Memorial High School and Rogers High School.
For more information on Strong Tomorrows, click here.
|
economics
|
https://kyle-tx.waterstonemortgage.com/PaymentAmortization.html
| 2019-10-15T16:14:46 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986660067.26/warc/CC-MAIN-20191015155056-20191015182556-00210.warc.gz
| 0.945241 | 457 |
CC-MAIN-2019-43
|
webtext-fineweb__CC-MAIN-2019-43__0__115992632
|
en
|
In a nutshell, our Amortization Calculator helps you determine what you will pay - and when - for your mortgage loan.
This simple loan calculator allows you to enter the loan amount, interest rate, and loan term, and shows you the estimated monthly payment and total interest to be paid over the length of the loan (fixed-rate or adjustable rate). You can use the Amortization Calculator to create a printable table for your loan - simply fill in the fields below and click "Calculate."
Calculate your monthly payment for fixed rate or adjustable rate loans.
Amortization is "the systematic repayment of a debt." The emphasis is on the word "systematic." Amortizing a mortgage loan means paying it down, bit by bit. Usually, this means making regular monthly payments. Pretty straightforward, right?
The great advantage of utilizing an Amortization Calculator while searching for a home loan is you will know how much you must pay each month, under a specific interest rate, and get an idea of when you will finish paying off the loan.
When you take out a mortgage, you make a monthly payment to the lender, and that is an amortization payment. A part of the payment covers the interest due on the loan, and the remainder of the payment goes to reduce the principal amount owed. Interest is computed on the current amount owed and will become progressively smaller as the principal is decreased.
In the beginning, you will be making large interest payments and small payments to the principal. As time goes on, you will reduce the principal to the point you don't have much to pay in interest, and so your payment covers mostly the principal.
The loan terms (APR and Payment examples) shown above do not include amounts for taxes or insurance premiums. Your monthly payment amount will be greater if taxes and insurance premiums are included.
Ready to buy a new home? Find a mortgage loan professional in your area for a free consultation.This calculator is for informational purposes only. Results are an approximation based on the information you enter. Please speak with a Waterstone Mortgage loan professional for specific information and current market conditions. Your monthly payment amount will be higher if an escrow account is established for taxes and insurance premiums.
|
economics
|
https://my.mdrt.org/ProductCatalog/Product.aspx?ID=7450
| 2021-10-25T06:37:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323587655.10/warc/CC-MAIN-20211025061300-20211025091300-00395.warc.gz
| 0.939807 | 229 |
CC-MAIN-2021-43
|
webtext-fineweb__CC-MAIN-2021-43__0__52347834
|
en
|
Stephen Kagawa, FSS, LUTCF
The dynamic between financial advisors and those we advise
As advisors, we want open and honest relationships with our
clients. We also want a sense of purpose in our work that comes from serving,
not selling. Yet somehow, serving others turns into pushing products that drive
profits. Left unchecked, this tension forces us to become salespeople and
destroys the trust we’ve built with our clients.
There must be a way
advisors can do good and do well…right?
There is, and in Aloha
Financial Advising, Stephen Kagawa shares the better approach to advising
you’ve been seeking. Drawing on personal experience, Stephen shows you how to
shift your focus away from products and services and back to those you serve.
Whether you are new to the industry or a twenty-year veteran, the new set of
priorities laid out in this book will help you deal with the pressure to sell,
avoid going astray to chase money, and create the alignment with clients you
have been missing.
|
economics
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http://whathappenswhenyoufileach73678.blogocial.com/Detailed-Notes-on-Cheap-Bankruptcy-Attorney-Orlean-VA-12235706
| 2018-10-22T19:06:52 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583515375.86/warc/CC-MAIN-20181022180558-20181022202058-00184.warc.gz
| 0.954686 | 926 |
CC-MAIN-2018-43
|
webtext-fineweb__CC-MAIN-2018-43__0__64246349
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en
|
When Filing Chapter 11 Bankruptcy Isn't The Best Financial Obligation Option in Hume VA
Learn just how Chapter 7 liquidation works, whether you could pass the eligibility "suggests examination," exactly what occurs to your home and also car in Chapter 7, which debts will be released by Chapter 7 insolvency, and also much more. A Chapter 13 insolvency entails settling some of your debts to have actually the rest forgiven. It is essential to comprehend that while insolvency is a chance to begin again, it most definitely influences your credit rating as well as future ability to make use of money. Bankruptcy is a legal process created to put a stop to collection calls as well as wipe out debt forever in Hume VA
The possibility of a borrower filing for insolvency will encourage some creditors to consent to reduce the regular monthly settlement, develop a lasting repayment plan, or lower the interest rate or the financial obligation. For something, you could not understand government or state personal bankruptcy legislations or understand which laws apply to your instance, specifically regarding exactly what financial obligations can or cannot be discharged.
We have the capability in order to help you with credit report counseling choices and can assist you purge your debt load with insolvency. Check out options to Chapter 7 or Chapter 13 bankruptcy before you submit. Chapter 11 is often referred to as reorganization bankruptcy" because it offers companies a possibility to stay open while they restructure the business' debts and also possessions so it can pay back creditors.
If you are struggling to repay overdue financial debts and also being bugged by collection agencies, a bankruptcy lawyer can help. Nonetheless, it might be feasible to transform your chapter 13 right into a phase 7 insolvency, if you are not successful. Your insolvency lawyer can help you prevent foreclosure, quit vehicle foreclosure, eliminate medical costs, and also discharge bank card financial obligation.
Such debtors should take into consideration filing a request under chapter 11 of the Insolvency Code Under phase 11, the debtor does not prevent personal bankruptcy but could seek a modification of debts. As well as, if you do, you might be able to generate an end result that could be far more positive compared to a Chapter 13 insolvency. We understand that declare personal bankruptcy could feel like a difficult procedure when you're bewildered with financial obligation-- especially if you're handling a wage garnishment, a pending suit, or a home foreclosure.
Declaring personal bankruptcy can enable you to get a fresh monetary beginning. The majority of people who file for insolvency pick either a Phase 7 or Chapter 13 case. When you state personal bankruptcy, your co-signer still might be lawfully bound to pay all or component of your lending. Still, because of the long-lasting effects of bankruptcy, some specialists believe it's most useful when you have more than $15,000 in debts.
Your credit card business will choose whether you can maintain your credit card after your insolvency. If you haven't done so at this point, this might be where you realize you need to find an insolvency legal representative Legal counsel is not a need for people applying for either Chapter 7 or Chapter 13 insolvency, yet you are taking a major danger if you choose to represent yourself.
The new bankruptcy legislation requires credit counseling before bankruptcy filings anyway so it's worth it to highly consider credit therapy as an insolvency option. The American Personal Bankruptcy Institute (ABI) did a study of PACER stats (public court records) from 2016 as well important source as discovered that 95.5% of the 499,909 Phase 7 personal bankruptcy instances decided that year were discharged, implying the individual was no longer legally required to pay the debt.
To read more regarding insolvency as well as various other debt-relief alternatives, consult from a regional debt therapist or check out the Federal Profession Payment's informative pages. The people as well as company who apply for insolvency have much more financial obligations compared to cash to cover them and don't see that changing anytime soon.
Throughout this time, a personal bankruptcy discharge might stop you from acquiring brand-new lines of credit as well as may even create problems when you look for jobs. The majority of individuals submitting insolvency were not specifically wealthy. Our insolvency lawyers could aid you to explore non-bankruptcy options to assist you discover the financial debt alleviation service that is finest for you in Rectortown VA
12801 Darby Brook Ct #201
Woodbridge, VA 22192
|
economics
|
http://salikgroupservices.com/is-mining-cryptocurrency-profitable/
| 2019-04-23T12:36:41 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578602767.67/warc/CC-MAIN-20190423114901-20190423140901-00366.warc.gz
| 0.917643 | 1,626 |
CC-MAIN-2019-18
|
webtext-fineweb__CC-MAIN-2019-18__0__202711079
|
en
|
With everyone interested in crypto currency, we will examine the issues of profitability in relation to mining cryptocurrency.
The idea of mining is the foundation of a cryptocurrency because it entails the way new cryptocurrencies are produced. The value of a cryptocurrency increase as more and more people invest in mining it since the amount of cryptocurrencies that will ever be produced is finite (Goleman, 2018). Nevertheless, as more cryptocurrencies enter into circulation, it becomes challenging and requires extensive time to mine them, which makes them less profitable.
According to DeMartino (2016) mining cryptocurrency was initially considered as very profitable without any substantial investment. However, this has changed and today mining cryptocurrency is considered as the least profitable way to obtain and invest in cryptocurrencies. It is now an arms race with people now being forced to use designated chips or application-specific integrated circuits for mining purposes. These chips are expensive, which means that ordinary people with standard computers cannot gain from mining (Davidson, 2013). While practically any person can mine, it is unlikely to earn any profits even if an advanced computer is used because of the substantial amount of electricity consumed and possible damages to the computer due to overworking.
Due to the arms race, mining today requires a substantial investment if one hopes to earn any profits. According to Norman (2017), mining cryptocurrencies requires a tolerance for risk because one must first invest in the required equipment. Even if a person has the means to invest in the required hardware and software, the hope of earning any profits is negligible. The hope of profits further reduces when factors such as mishaps in the type of the hardware used, connectivity problems and power are included (DeMartino, 2016). The required investment to earn a profit from mining increases as the complexity of the block chain increases.
According to IntroBooks (2018), mining cryptocurrencies with a personal computer is no longer profitable because of its limited computational abilities. The expenses required to operate a personal computer for 24 hours including the cost of the consumed electricity is more than the created cryptocurrency through mining, which makes mining less profitable (Viilup, 2015). One way of investing to earn a profit is to acquire dedicated hardware and software to ensure fast hash function solving to yield a cryptocurrency coin. Luntovskyy and Spillner (2017, p.71) state that the value of a cryptocurrency coin created after solving a hash function relies on market dynamics, trust and perception. Earlier, there was a steady growth of profits, which was followed by an unpredictable growth (Narayanan, Bonneau, Felten, Miller and Goldfeder, 2016). The unpredictable growth was caused by the increasing cost of production for mining because of the blockchain nature that needs more hardware resources for each succeeding solution. The investment required to mine is not repaid through a possible gain from the cryptocurrency coins based on energy reasons (O’Dwyer & Malone, 2014). Nevertheless, many of the difficulties with mining are related with Bitcoin (IntroBooks, 2018). Currently, other cryptocurrencies have emerged that are not complex to mine with most of them designed to solve the challenges that people experienced with Bitcoin mining. Examples include Bytecoin, Litecoin, and Ethereum. However, to be profitable, miners must first acquire the latest tools that offer a high hash rate per unit cost (Ren, 2014). Manufacturers of mining equipment possess a strong financial incentive to use the tools they produce to mine first and ship to the user only after the profitability of mining reduces. In turn, this reduces the profits that actual users of the equipment can earn (Ren, 2014).
While there are many cryptocurrencies today, the same principles of production as applied to bitcoin are still used. For example, the main determinant of profits is the relative cost of producing a cryptocurrency through mining and electricity is the primary production cost. Other factors that affect the profitability of mining include the competition level that the network of producers present, the complexity of algorithms used to mine a cryptocurrency and the rate of unit production (Hayes, 2017). Variations exist for different cryptocurrencies regarding factors required to mine them with the newest cryptocurrencies being more profitable than Bitcoin. However, the fear of the entry of more advanced hardware threatens the profits of this new cryptocurrencies because the difficulty of their algorithm will also grow (Ren, 2014). Ren (2014) argues that mining can be profitable only if the mining operation is left to specialists with the required domain knowledge to achieve economy of scale, particularly for established cryptocurrencies like Bitcoin.
Ren (2014) states that miners can only make profits at a fixed cost if they mine the most profitable and less complex cryptocurrency and trade it fast to avoid being exposed to price risks, which can only occur through pooling together (Salimitari, Chatterjee, Yuksel, & Pasiliao, 2017). However, this creates problems, for instance, cryptocurrency prices may suffer due to a downward spiral as the cost of mining reduces due to advances in technology. Another issue is that since miners select cryptocurrencies with low complexity and mine it until it becomes more complex, this can compel cryptocurrencies to deal with immediate interests instead of dealing with lasting development and improvement (Ren, 2014).
It is challenging to earn profits from mining, especially for established cryptocurrencies like Bitcoin. Miners can still make profits from other cryptocurrencies even though they must first invest in the right equipment and focus on the most profitable and less complex cryptocurrency.
Davidson, J. (2013). The Digital Coin Revolution-Crypto Currency-How to Make Money Online (Vol. 10). JD-Biz Corp Publishing.
DeMartino, I. (2016). The Bitcoin Guidebook: How to Obtain, Invest, and Spend the World’s First Decentralized Cryptocurrency. Skyhorse Publishing, Inc..
Goleman, T. (2018). Cryptocurrency: Mining, Investing and Trading in Blockchain for Beginners. How to Buy Cryptocurrencies (Bitcoin, Ethereum, Ripple, Litecoin or Dash) and what wallet to use. Crypto currency investment strategies. Zen Mastery.
Hayes, A. S. (2017). Cryptocurrency value formation: An empirical study leading to a cost of production model for valuing bitcoin. Telematics and Informatics, 34(7), 1308-1321.
IntroBooks. (2018). Cryptocurrency Investment Crash Course. IntroBooks.
Luntovskyy, A., & Spillner, J. (2017). Architectural Transformations in Network Services and Distributed Systems. Springer Vieweg.
Narayanan, A., Bonneau, J., Felten, E., Miller, A., & Goldfeder, S. (2016). Bitcoin and Cryptocurrency Technologies: A Comprehensive Introduction. Princeton University Press.
Norman, A. T. (2017). Cryptocurrency mining guide: The ultimate guide to understanding Bitcoin, Ethereum, Litecoin, Monero, Zcash mining technologies. Maxim Demura via PublishDrive.
O’Dwyer, K. J., & Malone, D. (2014). Bitcoin Mining and its Energy Footprint. 25th IET Irish Signals & Systems Conference 2014 and 2014 China-Ireland International Conference on Information and Communications Technologies (ISSC 2014/CIICT 2014), (pp. 280- 285).
Ren, L. (2014). Proof of stake velocity: Building the social currency of the digital age. Self- published white paper.
Salimitari, M., Chatterjee, M., Yuksel, M., & Pasiliao, E. (2017, October). Profit Maximization for Bitcoin Pool Mining: A Prospect Theoretic Approach. In 2017 IEEE 3rd International Conference on Collaboration and Internet Computing (CIC)(pp. 267-274). IEEE.
Viilup, K. (2015). Profitability from Mining Bitcoins: Should You Still Enter the Bitcoin Mining Competition? Long-term Simulation Analysis of the Profitability for a Single Miner(Doctoral dissertation, Tartu Ülikool).
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economics
|
https://www.cravenfawcett.co.uk/news/craven-fawcett-secures-major-new-order-with-ibstock-plc
| 2024-04-12T15:47:52 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816024.45/warc/CC-MAIN-20240412132154-20240412162154-00171.warc.gz
| 0.946548 | 845 |
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en
|
Craven Fawcett, one of Europe’s leading manufacturers of clay preparation and extrusion machinery and part of Group Rhodes, has won a major new contract to supply the first net zero brick facility in the UK.
The multi million pound project will see Craven Fawcett design, build, and manufacture a fully integrated state-of-the-art clay preparation and extrusion line at Ibstock’s Atlas site in the West Midlands. The news follows Ibstock plc’s announcement of £60m investment in its Atlas and Aldridge plants, which will collectively deliver an additional 115 million brick capacity per annum.
Andrew Craddock, Engineering and Manufacturing Development Director at Ibstock Brick, said: “As a supplier to Ibstock for many years, we are aware of the capabilities of Craven Fawcett in designing and building new production lines to meet our exacting requirements. This is an important undertaking and we are pleased to be working with a UK partner that not only has the expertise in clay preparation and extrusion technology, but also understands Ibstock’s holistic approach to its corporate business sustainability strategy”
Mark Ridgway OBE DL, CEO of Group Rhodes, said: “We are delighted to be working with Ibstock on this exciting project which has great product design and UK manufacturing at its heart. As a business, we are committed to good environmental practices and are pleased to be able to support projects where improved sustainability is a critical outcome. Goods will be sourced with low environmental impact, and we will be working with local suppliers wherever possible”.
As well as being a major capital project win for the company, Craven Fawcett is geographically well placed to supply Ibstock’s new facility in the West Midlands with the necessary aftermarket support. Craven Fawcett also finances consignment stocks throughout the UK and overseas to ensure customers have quick access to critical spare parts when required.
Glynn Dixon, Contracts Manager at Craven Fawcett, explains: “Ibstock has been a highly valued customer of Craven Fawcett for almost 40 years. We are naturally very pleased with this major new contract win and are looking forward to designing and building this bespoke cut clay brick line to further enhance Ibstock’s strong market position.”
Over the coming months, Craven Fawcett will be recruiting additional design and engineering staff to service this and other recent contract wins. It is also expected that Craven Fawcett’s sister company, Hallamshire Engineering Services will be supplying conveyor drums and rollers to the project. The Ibstock contract is expected to take approximately 24 months through to final commissioning.
Craven Fawcett has supplied extruders and other machinery to the brick and clay pipe manufacturing industry for over 175 years and is at the forefront of technology in the field of clay preparation and extrusion. The company manufactures a range of special equipment including Box Feeders, Grinding Mills, Roller Mills, Mixers and Extruders. The equipment is sold globally into the heavy clay and ceramics industry, and also into the mining, quarrying and environmental sectors.
Alongside high-quality Original Equipment Manufacturer (OEM) products and services, Craven Fawcett offers guidance on material selection, component finish and supply of spare parts in order to optimise production efficiency and reduce the frequency of machinery repair. This is backed by a team of highly trained and experienced service engineers dedicated to clay preparation and extrusion machinery, who can repair and maintain Craven Fawcett equipment both on and off site.
Ibstock plc history spans over 200 years and is a leading UK manufacturer of clay bricks and a diversified range of clay and concrete products. The Group's clay division is the leading manufacturer by volume of clay bricks sold in the United Kingdom. With 16 manufacturing sites Ibstock Brick has the largest brick production capacity in the United Kingdom. It operates a network of 18 active quarries located close to its manufacturing plants.
For more information on the Group visit https://www.ibstockplc.co.uk
|
economics
|
https://www.wolvas.org.uk/membership/
| 2022-01-23T05:06:18 |
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| 0.976142 | 222 |
CC-MAIN-2022-05
|
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|
en
|
2021/22 Season Membership rates
Following the decision to keep all regular talks as online events this season, we are able to offer the following bargain rate for annual membership for everyone.
The season runs from September 2021 to August 2022.
2021/22 membership: £10
This covers all 16 scheduled talks, as well as any additional events we hold during the season (we are investigating the possibility of holding socially distanced physical gatherings including observing evenings, as well as extra online talks and informal social meetings).
How to join
The membership process has had to change this year, but we have adapted and tried to make it as simple as possible to join:
- Complete the online membership application form
- Pay your £10 membership fee by making a bank transfer. The details of how to make the payment will be sent to you by email.
If you are unable to make a payment by bank transfer, please contact [email protected] to discuss alternative payment methods available.
- We will send you an email when the payment is complete to confirm your membership.
|
economics
|
https://jp.mathworks.com/matlabcentral/fileexchange/42093-realtime-trading-with-matlab-and-ib-presentation-files?s_tid=srchtitle
| 2024-04-19T00:57:30 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817249.26/warc/CC-MAIN-20240418222029-20240419012029-00210.warc.gz
| 0.813923 | 604 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__112173778
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en
|
These are the files used for my presentation "Realtime Trading with MATLAB", at the MATLAB Computational Finance Conference in New York on May 23, 2013, and updated for the MATLAB Computational Finance Virtual Conference on September 19, 2013.
This presentation demonstrates an end-to-end demo trading system in Matlab, highlighting its potential as a platform of choice. Interactive Brokers is used to demonstrate live market data feed and account/portfolio input, as well as for sending trading orders to the market.
The presentation explains why InteractiveBrokers (IB) is an excellent choice for algo-traders, and describes various methods by which MATLAB can connect to IB.
The presentation also discusses a skeleton trading platform implementation in Matlab. A simple variant of such a system is included here (with source code) as the trading demo.
The demo's user interface showcases the hidden visualization and interactivity potential of Matlab for tracking order executions and charting financial time-series in real time.
See description and the latest version in http://UndocumentedMatlab.com/ib-matlab/real-time-trading-system-demo
Note: the code included in this File Exchange submission is the one from 2013. To get the latest code (compatible up to R2019a or newer), visit the above webpage.
Video recording: http://www.youtube.com/watch?v=e4bdKcFl4GA
This FEX submission includes:
* presentation slides (PDF)
* demo screenshot
* tradingDemo.m - main demo application
* uisplitpane.m - this is FEX utility 23073 (see link below)
* findjobj.m - this is FEX utility 14317 (see link below)
* a couple of logo images
Note: This submission does NOT include the IB-Matlab connector that is required to run the demo - you can get this connector at http://UndocumentedMatlab.com/IB-Matlab
Readers/users are welcome to contact me for additional details/explanations: altmany (at) gmail (dot) com
Yair Altman (2024). Realtime trading with Matlab and IB presentation files (https://www.mathworks.com/matlabcentral/fileexchange/42093-realtime-trading-with-matlab-and-ib-presentation-files), MATLAB Central File Exchange. 取得済み .
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Find the treasures in MATLAB Central and discover how the community can help you!Start Hunting!
|
economics
|
https://talis-elements.com/pages/faqs
| 2021-09-19T16:42:28 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780056892.13/warc/CC-MAIN-20210919160038-20210919190038-00041.warc.gz
| 0.926939 | 390 |
CC-MAIN-2021-39
|
webtext-fineweb__CC-MAIN-2021-39__0__70440321
|
en
|
When will my order arrive?
All pieces that are in stock will be mailed within 24 hours of you placing the purchase.
For any pieces out of stock you will receive our email with the timeline for delivery as all of our product are handcrafted. It will take from 10-14 business days to produce out of stock pieces excluding shipping timeframes.
We are happy to accommodate our customers with the pieces made to order – please Contact Us directly for the custom order. The processing time is the same as for products out of stock.
We are able to expedite timelines for products that areout of stock or custom-made on a case-by-case basis. A 10% charge of the total order willbe added to your invoice in order to cover a rush procurement of materials and/or to moving your order up in the production schedule. Please Contact Us directly to discuss your needs and to get an estimate for lead time and shipping rates.
Do you provide gift wrapping?
All Talis Element jewelry is beautifully packaged in handmade wooden boxes, produced by artisans in Bosnia. All Packages are gift-wrapped and some of the pieces come with a printed brochure about the story associated with your purchase. For additional details please refer to Free Gift Wrapping
What forms of payment do you accept?
We accept all major credit cards, PayPal and Amazon Payments.
Will I have to pay sales tax?
All NY retail customers are subject to NY state and city sales tax. For all other domestic purchases, the sales tax laws have been recently changed, so if sales tax is required, our website will automatically calculate the amount and add it to your total.
How should I care for my jewelry?
Please see our jewelry care guidelines Jewelry Care
Do you accommodate wholesale pricing for the stores?
Yes, please email us at [email protected] for wholesale line sheets and further information.
|
economics
|
http://www.bluegrasstank.com/leasing.htm
| 2018-11-13T01:30:54 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039741176.4/warc/CC-MAIN-20181113000225-20181113021720-00028.warc.gz
| 0.917537 | 177 |
CC-MAIN-2018-47
|
webtext-fineweb__CC-MAIN-2018-47__0__52589235
|
en
|
T. Davis Sales, an affiliate of Bluegrass Tank and Equipment, specializes in sales and rental of transport tanks, trucks and trailers, T. Davis Sales specializes in the sales of food grade liquid transport tanks and material hauling trailers. Time Leasing, a subsidiary of T. Davis Sales, offers commercial rental options for qualifying customers in all 48 contiguous states.
Time Leasing is a short- and long-term full-service rental company whose principle purpose is to provide prompt service, competitive rates, and a wide variety of flexible financing programs for your business to finance both new and used equipment. Through these subsidiaries, T. Davis Sales / Time Leasing can sell, finance and approve a rental credit line for your business in advance, so you can operate with the confidence of "money in your pocket" when you need to put your equipment into operation.
Why You Should Rent
|
economics
|
https://frescocooks.com/blog/fresco-chief-operating-officer-will-deines
| 2022-12-03T22:36:56 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710941.43/warc/CC-MAIN-20221203212026-20221204002026-00691.warc.gz
| 0.962471 | 306 |
CC-MAIN-2022-49
|
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en
|
We are delighted to welcome Will Deines as Chief Operating Officer (COO) to Fresco. In this newly formed role, Will is charged with overseeing global operations, corporate functions, and international partnerships in our offices across Europe and the United States.
Will joins Fresco after 11 years of operational and sales experience at SimpliSafe, where he was hired as the company’s third employee. While the company doubled revenue every 9 months for the first five years, Will served as the operations executive leader, delivering industry-leading retention and customer loyalty.
During his time there, Will also launched their international subsidiary in the U.K., which is now recognized as one of the top three alarm companies in the market. Before leaving SimpliSafe, Deines built a robust team of 1,000 staff members across supply chain, customer experience, and customer marketing, and managed recurring customer revenues of nearly $400M.
In January 2022, he founded Garrio, a full-stack platform that empowers businesses to deliver incredible customer experience.
We're excited for Will to bring this entrepreneurial vision and operations excellence to the Fresco team.
"Will was a trusted leader during critical growth phases for SimpliSafe and has a keen eye for executing against an entrepreneurial vision. His experience of scaling operations and business development make him the perfect partner for me in our journey to getting 10 million users and beyond cooking daily on the Fresco platform,” said Ben Harris, CEO and co-founder of Fresco.
|
economics
|
http://market-values.thebusinessdownload.com/sec-chair-ask-staff-to-create-esg-disclosure-rules-by-year-end/
| 2023-11-29T06:27:07 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100056.38/warc/CC-MAIN-20231129041834-20231129071834-00457.warc.gz
| 0.963893 | 907 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__175944965
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en
|
Gary Gensler, chair of the U.S. Securities and Exchange Commission, has tasked his staff to come up with specific disclosure and transparency rules by the end of this year for companies and funds that call themselves “green”, “sustainable”, or “low-carbon.”
This is especially good news for investors, as it will allow for consistent and homogenous reporting of environmental, social, and governance (ESG) initiatives, risks, and action plans by public companies, ETFs, and mutual funds.
“So what does the SEC have to do with climate?” asked Gensler in a recent speech before the Principles for Responsible Investment (PRI). “When it comes to climate risk disclosures, investors are raising their hands and asking regulators for more.”
He cited how various public disclosures have been enacted across the financial markets since the Great Depression. First, there were disclosures around the firms’ financial performance. Then came investor requests for knowing more about company management. Later yet, investors wanted to understand how executives were being paid.
“The basic bargain is this: investors get to decide what risks they wish to take. Companies that are raising money from the public have an obligation to share information with investors on a regular basis,” he said. “Over the decades, there’s been debate about disclosure on things that, today, we consider pretty essential for shareholders.”
Gensler said that today’s large and small investors, representing trillions of dollars, want to see information about climate risks of companies to make informed buy, sell, or voting decisions. And they need comparable and decision-useful reporting to help them with those decisions.
As such, he has requested SEC staff to come up with several key metrics and reporting standards for public companies. Qualitative disclosures would focus on how leadership and the company’s strategy address climate risks. Quantitative metrics would include greenhouse gas emissions, financial impacts of climate change, and progress toward set goals.
“For example, some companies currently provide voluntary disclosures related to what’s called Scope 1 and Scope 2 greenhouse gas emissions. These refer, respectively, to the emissions from a company’s operations and use of electricity and similar resources,” he explained. “Many investors, though, are looking for information beyond Scope 1 and Scope 2, to Scope 3, which measures the greenhouse gas emissions of other companies in an issuer’s value chain.”
To address this, Gensler asked staff to come up with how and under what circumstances a firm would disclose Scope 1, 2, and 3 emissions. In addition, they would need to review whether certain metrics apply to specific industries.
Finally, the staff should also consider the question of companies providing scenario analyses on how they would handle legal, physical, economic, and market challenges in the future.
“Today, though, companies could announce plans to be “net-zero” but not provide any information that stands behind that claim,” he said. “For example, do they mean net-zero with respect to Scope 1, Scope 2, or Scope 3 emissions?”
In addition, he will address the funds’ claim of “green”, “sustainable”, or “low-carbon” and what information really supports those claims.
“The basic idea is truth in advertising,” he noted. “When it comes to sustainability-related investing, though, there’s currently a huge range of what asset managers might mean by certain terms or what criteria they use.”
According to a US SIF study, there were more than 800 registered investment companies that represented this sector last year, amounting to over $3 trillion in ESG assets.
“Which data and criteria are asset managers using to ensure they’re meeting investors’ targets — the people to whom they’ve marketed themselves as “sustainable” or “green”? he said. “I think investors should be able to drill down to see what’s under the hood of these funds.”Gary Gensler, SEC chair, asked his staff to develop specific ESG-related disclosure and transparency rules by the end of this year. Read more on Market Values.
|
economics
|
https://wy-loan.com/city/cody/bad-credit-loans
| 2021-10-25T20:59:31 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323587767.18/warc/CC-MAIN-20211025185311-20211025215311-00034.warc.gz
| 0.959419 | 788 |
CC-MAIN-2021-43
|
webtext-fineweb__CC-MAIN-2021-43__0__238677105
|
en
|
WY-loan provides access to the top bad credit loans readily available in Cody Wyoming. Compare and contrast loan providers, inspect reviews on lenders, and get connected to financing choices simply with WY-loan. We are here to help the people of Cody WY get the financing they deserve.
Fair credit: 580 to 669.
Poor credit: 300 to 579.
Payment history (35 percent).
Amounts owed (30 percent).
Length of credit history (15 percent).
New credit (10 percent).
Credit mix (10 percent).
If you overlook any of these components in your personal finances, your credit rating will decline. For example, continuously making payments late or not making them at all will probably have a significant influence on your score due to the fact that your payment record makes up 35% of your credit score. Things like personal bankruptcies, foreclosures, and high quantities of debt relative to your income might also cause a poor credit rating.
Due to the fact that payment history and duration of credit history can compose 50% of your credit report, individuals with very little or no credit history might find themselves with a lower credit report as a result of their scarcity of credit history. Consumers with little or no credit history may realize it is much simpler to improve their credit report in contrast to individuals with a wrecked credit rating.
Determine your credit rating. Know where your credit actively stands by getting a complimentary credit report. You are by law authorized to at least one complimentary credit report annually from each of the credit reporting agencies. Have a look at your credit rating, find out where it is hurting, and make note of what you should do in the future to raise your credit rating.
Include prospective loans into your regular monthly spending plan. Assess your cash flow and plan to make sure that you can sustain an additional monthly loan expense. You can utilize our loan calculator to find out estimated month-to-month payments, which you can then add to your budget to determine if you can pay for the regular monthly payment.
Study your options. Analyze personal loans for bad credit online, ensure you look at the small print, and seek out independent testimonials about lenders.
prequalify to discover your loan opportunities. Ahead of getting a loan online, various online lender marketplaces permit you to examine whether you will qualify with numerous loan providers without doing a hard credit pull. This is a terrific way to shop around for a bad credit loan without impacting your credit rating further. We provide a personal loan marketplace that makes it possible for you to check loan options choices with lending institutions in Cody.
Consider secured loans. Secured personal loans are supplied by some lending institutions and are much simpler to obtain if you have below-average credit. With a protected loan, you will need to put up an property like your house or vehicle as security, these loan choices usually have lower APRs than unsecured loans.
Include a co-signer if available. With a Co-signer with excellent credit, you might possibly get matched for more loans with more competitive rates of interest. The co-signer will need to accept part of the obligation for the loan and may be needed to pay back the loan if you default on payments.
Prepare yourself to apply. When applying you'll likely have to offer monetary records like pay stubs, tax papers, work information, and a bit more. Having these papers set when you apply, you'll accelerate the process of finalizing your loan.
Be ready for a hard credit check. After the initial prequalification, lenders will conduct a hard credit check right before finalizing and funding your loan. A hard credit pull can for a short time affect your credit score, although you should have the opportunity to recoup the points lost after you start making payments on the loan.
|
economics
|
https://wmichigan.com/home/good-to-know/types-of-financing/
| 2024-04-13T00:04:18 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816465.91/warc/CC-MAIN-20240412225756-20240413015756-00775.warc.gz
| 0.954468 | 722 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__157879742
|
en
|
Understanding Different Financing Types in Real Estate: Cash, Conventional Loans, FHA Loans, Rural Development Loans, and VA Loans
When it comes to purchasing a property, understanding the various financing options available is essential. Different financing types cater to different needs and circumstances. In this blog post, we will explore the differences between cash purchases, conventional loans, FHA loans, Rural Development loans, and VA loans, helping you make an informed decision when financing your real estate investment.
1. Cash Purchases:
Cash purchases involve buying a property outright without any financing. This option is typically chosen by buyers who have the financial means to pay the full purchase price upfront. Cash purchases offer several advantages, including a simplified and faster closing process, potential negotiation power, and the absence of interest payments. However, it may not be feasible for everyone due to the significant upfront capital required.
2. Conventional Loans:
Conventional loans are the most common type of mortgage loans and are not insured or guaranteed by the government. These loans are offered by private lenders and typically require a down payment of at least 3% to 20% of the purchase price. Conventional loans offer flexibility in terms of property type and loan terms, and they are suitable for borrowers with good credit scores and stable income. Private mortgage insurance (PMI) may be required for borrowers with a down payment less than 20%.
3. FHA Loans:
FHA (Federal Housing Administration) loans are insured by the government and are designed to help first-time homebuyers and those with lower credit scores or limited down payment funds. FHA loans require a down payment as low as 3.5% of the purchase price. These loans have more lenient credit requirements and allow for higher debt-to-income ratios. However, FHA loans require mortgage insurance premiums (MIP) throughout the loan term, which can increase the overall cost.
4. Rural Development Loans:
Rural Development loans, also known as USDA (United States Department of Agriculture) loans, are designed to promote homeownership in rural areas. These loans offer 100% financing, meaning no down payment is required. Rural Development loans have income limitations and property eligibility requirements, and they typically have lower interest rates compared to conventional loans. Borrowers are also required to pay a guarantee fee and an annual fee for mortgage insurance.
5. VA Loans:
VA (Veterans Affairs) loans are available to eligible veterans, active-duty service members, and surviving spouses. These loans are guaranteed by the Department of Veterans Affairs and offer several benefits, including no down payment requirement, no mortgage insurance, and competitive interest rates. VA loans have more flexible credit requirements and allow for higher debt-to-income ratios. However, borrowers may be required to pay a funding fee, which can be financed into the loan.
Understanding the different financing types in real estate is crucial for making informed decisions when purchasing a property. Cash purchases offer simplicity and speed, while conventional loans provide flexibility for borrowers with good credit. FHA loans cater to first-time homebuyers and those with lower credit scores, while Rural Development loans promote homeownership in rural areas. VA loans offer exclusive benefits to eligible veterans and service members. Each financing option has its own advantages and considerations, so it’s important to evaluate your financial situation, creditworthiness, and eligibility to determine the most suitable financing type for your real estate investment. Consulting with a mortgage professional can provide further guidance and help you navigate the financing process with confidence.
|
economics
|
http://reserves.mil.nz/reserves/kiwi-co-host/default.htm
| 2019-04-19T23:04:47 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578528430.9/warc/CC-MAIN-20190419220958-20190420002958-00266.warc.gz
| 0.987113 | 351 |
CC-MAIN-2019-18
|
webtext-fineweb__CC-MAIN-2019-18__0__48017464
|
en
|
Kiwi co-Host boosts NZDF support for industry
In May 2010, with the global financial crisis causing layoffs and job losses and the economy slowing, the NZDF signed an agreement with three apprentice training organisations to create a scheme called Kiwi co-Host.
Sapper Ricky Holton is an Auckland based electrical apprentice who has found that Kiwi co-host provided him with what he needed to get ahead at work and in life and all while he was being paid and having an adventure he could not have had in any other way.
Kiwi Co-Host enables apprentices to join the TF and undertake trade training with the Army if those apprentices were laid off or projects they had been relying on for trade training were cancelled.
The initiative was seen at the time as being a gesture of support by the NZDF for industry and training while at the same time being beneficial to the NZDF by bringing skilled tradespeople into uniform, as reservists where they could be utilised at short notice in disaster relief or similar situations.
The agreement was signed with ETCO (The electricians training organisation), Masterlink (responsible for training plumbers) and Competenz (Fitters and Turners). Every year recruiters speak to the three groups and sign up keen apprentices in time for the December and February TF intakes.
So far 36 apprentices have joined their local TF units from Auckland to Invercargill and of those, six have required support in the form of full time work from the NZDF (which has been provided) due to cancellation of projects they were on or similar issues they were facing in finding work. This employment is made available in six week blocks and ensures the apprentice does not fall behind in their training.
|
economics
|
https://yieldnews.substack.com/p/the-cost-of-vendor-lock-in
| 2023-09-28T23:21:57 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510462.75/warc/CC-MAIN-20230928230810-20230929020810-00465.warc.gz
| 0.966918 | 414 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__110716057
|
en
|
The cost of vendor lock-in
There is no single day without some drama in the programming world. This time it's about Unity.
Unity is a game engine, and a framework to develop games. I don't develop games anymore, but game development has a special place in my developer-heart. I think every software engineer attempted to build MMORPG at least once in his life.
Recently, Unity announced a price change. They will be charging their users based on amount of installs. Here is the announcement from Unity, for you to read: Unity plan pricing & packaging updates.
But I'm not here to talk about Unity in particular. I'm here to talk about cost. And not the monetary cost. But rather the cost of vendor lock-in.
Many individuals, and companies, don't realize about vendor lock-in. They'd happily outsource their "dirty" job to third party PaaS. AWS is a good example. It's an incredible suite of software, but it has its limitations.
First of all—it's impossible to migrate from it. While under the hood they use standard tools, they are wrapped in such a nice package that infects your code base. And suddenly, you find yourself working with SNS/SQS API, rather than standard MQTT protocol.
Secondly, their knowledge is not transferable. Becoming a generalist DevOps engineer—is a good investment in yourself, because you can find a job in many companies. Being an AWS engineer, limits your knowledge to this specific product and companies that work with it.
Lastly, these companies need to make money. And making money for them, might mean raising prices. Which for you translates directly to increased expenses, because you can't easily migrate away from these tools.
I'm not saying that you should avoid tools that make your life easier. What I am saying is that you always, always, always need to take vendor lock-in, and it's price, in account when making a decision.
|
economics
|
https://miles.ag/
| 2024-04-22T00:44:11 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818067.32/warc/CC-MAIN-20240421225303-20240422015303-00453.warc.gz
| 0.930728 | 167 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__173374327
|
en
|
We EXPAND So We Can Add Value To Others
At Miles AG, we are passionate about helping businesses prosper through strong leadership, remarkable results, and unwavering independence. As an investment and holding company, our goal is to enable exceptional entrepreneurs and companies to flourish and generate substantial value.
Bespoke Investing in Growing Businesses
Miles AG is an advisory group and holding company founded by Bryan and Shannon Miles. The company invests in and advises growing businesses throughout a variety of different industries and locations.
Get to Know Miles AG
From self-funding, then bootstrapping their first company to a nine-figure majority recap, to investing in viable businesses and leaders across the world, Miles AG is committed to serving others through equipping, resourcing, and mentoring selected leaders for growth, results, and impact.
|
economics
|
https://en.via-allier.com/who-are-we
| 2023-09-27T15:01:35 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510300.41/warc/CC-MAIN-20230927135227-20230927165227-00293.warc.gz
| 0.937138 | 152 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__13805269
|
en
|
Who are we ?
The Auvergne Rhône-Alpes Region has set up a Route Committee on the Via Allier, bringing together some forty partners, in order to coordinate the development of the route and to implement joint projects.
The Regional Council leads the Technical Committee in charge of matters relating to the infrastructure and equipment. The development work on the route is carried out by the contracting authorities through which the route passes.
Auvergne-Rhône-Alpes Tourisme leads the Marketing Commission, which is responsible for issues relating to the promotion and development of tourism and brings together the 3 regional and 5 departmental tourism committees concerned, the tourist offices and the tourism departments of the towns and cities crossed by the route.
|
economics
|
http://imadiff.mydad.info/berry/Property-Register-Ireland-Myhomework.html
| 2020-10-25T02:49:35 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107885126.36/warc/CC-MAIN-20201025012538-20201025042538-00043.warc.gz
| 0.914449 | 813 |
CC-MAIN-2020-45
|
webtext-fineweb__CC-MAIN-2020-45__0__25839869
|
en
|
The Residential Property Price Register is produced by the Property Services Regulatory Authority (PSRA) pursuant to section 86 of the Property Services (Regulation) Act 2011. It includes Date of Sale, Price and Address of all residential properties purchased in Ireland since the 1st January 2010, as declared to the Revenue Commissioners for stamp duty purposes.
Search the Property Price Register. Find details of all property sales throughout Ireland.
The Property Registration Authority (PRA) is the State organisation responsible for the registration of property transactions in Ireland. Our role is to provide a system of registration of title (ownership) to land, which is comprehensive and readily accessible.Registering land or property in England - first time registration, transfer of ownership, changing your details on the register, where to register in Scotland or Northern Ireland.Property Mapping Register Viewer The Property Mapping Register Viewer is a web application which facilitates the registration and viewing of the State's property portfolio. The Register was put in place as a mechanism for sharing property-related information across the public service, in accordance with the Government's Public Service Reform Plan 2011.
At Ireland Property Guides, we’ve provided guidance for many people buying a house in Ireland for more than a decade. With our advice, and help from our trusted partners, you can avoid the pitfalls of the property market and pick up the keys to your home without a hitch.
The Register is conclusive evidence of title to property and any right, privilege, appurtenance or burden appearing thereon. The title shown on the folio is guaranteed by the State which is bound to indemnify any person who suffers loss through a mistake made by the Land Registry.
Accessing your Local Property Tax (LPT) The LPT online service allows you to file and pay your LPT liability online. It also allows you to manage any arrears of Household Charge (HHC). Who is the service for? This service is suitable for you, if you: own a residential property in Ireland.
Access to the landdirect service and Property Alerts and use of information contained therein is governed by these terms and conditions. If there are applications pending on a folio selected for viewing, such applications may result in changes to the register.
Latest Property News headlines, Irish construction and property market news brought to you daily from the Irish Times Online.
Property Registration Systems in Ireland.. The title to the property will have to be registered in one of these two separate systems for recording transactions to property in Ireland: The registration of title system. identifies property, not boundaries. The Register is therefore not conclusive as to boundaries.
Introduction. Landlords (including housing associations and those who let student-specific accommodation) must register residential tenancies with the Residential Tenancies Board (RTB) and update the RTB if information about the tenancy changes. The RTB uses this information to maintain a publicly available register.The register shows the address of the property and the number of bedrooms.
Property.ie is Ireland's oldest property website. We have more than 40,994 residential houses, apartments, flats, new homes and commercial property for sale and rent thoughout the Republic of Ireland and Northern Ireland.
LandRegistry.services - Online processing services in Land Registys, Administrations, Services and Companies with the LandRegistry.services services.
The first place you’d be likely to turn to would be the Property Registration Authority. Over 90 per cent of land in the Republic is registered there. In total, the organisation holds records of 2.5 million parcels of land - 90 per cent of Ireland’s total land mass.
Introduction. There are 2 separate systems for recording property transactions: The registration of title system (Land Registry) which provides a State-guaranteed title to property The registration of deeds system (Registry of Deeds) which records the existence of deeds and conveyances affecting propertyA title is the ownership of a property and a deed is a written document that affects property.
|
economics
|
http://businessbeyondlimits.com/tiffany-largie/
| 2018-03-21T06:46:57 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-13/segments/1521257647584.56/warc/CC-MAIN-20180321063114-20180321083114-00495.warc.gz
| 0.97385 | 151 |
CC-MAIN-2018-13
|
webtext-fineweb__CC-MAIN-2018-13__0__90648615
|
en
|
Tiffany Largie went from being a single mom putting her kids to bed hungry to building three six-figure businesses, and on to a seven-figure business by the age of 30. Tiffany began with no capital, no degrees, or certifications just hard work. Today she helps people do the same with the experiences and skills they already have to generate the kind of money that allows them to pay for their dreams. She’s the creator of Onwards to Freedom, a quickly growing movement filled with people who have decided enough is enough they want too want to make their dreams a reality. She teaches on sales strategy, mindset, entrepreneurship, and using the power of story to build revenue for the sole purpose of bringing dreams to life.
|
economics
|
http://tubbsturf.co.uk/page8.html
| 2019-04-26T10:56:56 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578765115.93/warc/CC-MAIN-20190426093516-20190426115516-00431.warc.gz
| 0.942624 | 144 |
CC-MAIN-2019-18
|
webtext-fineweb__CC-MAIN-2019-18__0__27651366
|
en
|
Download membership form here
Tubbs Turf is a community-funded and volunteer run sports facility. Members can use
the courts free of charge and can book courts in advance.
Non-members can use the courts, but should pay the ‘casual use’ fee of £5 per hour
(please post through the letterbox) . They cannot book in advance.
Membership of Tubbs Turf is payable yearly and runs from April to March. Fees contribute
significantly to the maintenance and running costs of the facility.
Kingswood Resident Non-Kingswood Resident
Junior (under 16) £10 £15
Adult £25 £35
Family £40 £60
|
economics
|
https://www.greaterlenaweechamber.org/aboutus
| 2023-10-03T20:31:09 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511220.71/warc/CC-MAIN-20231003192425-20231003222425-00460.warc.gz
| 0.963636 | 418 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__196317903
|
en
|
During the 2021 year, the Adrian Area Chamber of Commerce and the Tecumseh Area Chamber of Commerce worked through a merger to create one Chamber that would be for the greater Lenawee County area. This then formed the Greater Lenawee Chamber of Commerce. The GLCC was officially established toward the beginning of 2022.
Now with the knowledge and experience of the two former Chambers, the newly merged Greater Lenawee Chamber is growing into a large entity full of information and opportunities for it's members.
In any community, it is from the profitable operation of business that all other benefits are derived. Only by succeeding in this elemental foal, can a community provide jobs, ensure a high quality of life, and produce the wealth to finance the governmental, civic, and charitable needs that the community is faced with every day. The Chamber is engaged in a diverse range of activities to accomplish the primary goal of profitable operation of business within the greater Lenawee County area.
Meet The Team
The Chamber staff members are available at the Chamber office by appointment. Please email or call ahead to schedule a meeting. For any questions regarding Chamber Membership, please contact our Member Relations Manager, Austin See.
What is the Chamber of Commerce?
The Greater Lenawee Chamber is a catalyst - a common vehicle through which things get done and through which the enlightened mutual interests of all segments of the business community work together for the common good of the entire community. A better community means better business and the Chamber is working diligently for a better community for everyone.
The Chamber is a Michigan non-profit corporation and has the status of 501c6 under the Internal Revenue Code. The Chamber is not a governmental unit, nor is it a private business. It is governed by a 16 member Board of Directors. These community leaders volunteer their time and abilities to ensure that the many programs of the Chamber are carried out. The Chamber is funded through the membership investment dollars provided by its nealy 300 member organizations and through monies raised through programs, sponsorships, and fundraising activities.
|
economics
|
https://www.925treats.co.uk/delivery-returns-i5
| 2022-06-26T05:38:42 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103037089.4/warc/CC-MAIN-20220626040948-20220626070948-00664.warc.gz
| 0.960961 | 488 |
CC-MAIN-2022-27
|
webtext-fineweb__CC-MAIN-2022-27__0__133625035
|
en
|
We cannot guarantee delivery times but will endeavour to deliver your items to you within 3-5 working days on receipt of payment. (This is subject to Royal Mail delivery times, however we aim to dispatch any orders within 1 working day on receipt of payment). If you wish to receive your purchase by special delivery then the cost will be £6.50 irrespective of the package size (we recommend that you choose this option as it insures your purchase against damage or loss).
Free Standard delivery is only offered on qualifying purchases over the value of £50.00. Any purchases made below this amount will incur a standard delivery charge of £2.99*.
*Due to the weight of the products all purchases which include Yankee Candle products will incur a delivery charge of £3.00.
|
economics
|
https://www.adshel.com/leadership-team/cormac-oshea
| 2018-07-23T09:39:12 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676596204.93/warc/CC-MAIN-20180723090751-20180723110751-00412.warc.gz
| 0.953265 | 226 |
CC-MAIN-2018-30
|
webtext-fineweb__CC-MAIN-2018-30__0__151527169
|
en
|
Cormac O’Shea is CFO for Clear Channel Outdoor’s international division – Clear Channel International (CCI) – a role he has held since joining the company in April 2013.
With a career in international finance spanning 15 years, Cormac’s wide-ranging experience in the media industry positions him perfectly to lead the finance function of CCO’s international division, which spans 18 countries across Asia and Europe. He is central to the development of the group’s strategic and operational plans and plays a key role in prioritising investment opportunities at group level.
Prior to Clear Channel, Cormac was CFO of both the Australian Radio Network from 2010 to 2013, and before that, APN Outdoor in Australia for four years. He has also served as Group Corporate Finance Manager and Group Accountant of APN News & Media, also in Australia.
Cormac spent four years at KPMG Ireland, where he qualified as a chartered accountant. A graduate of University College Cork, Cormac is a fellow of the Institute of Chartered Accountants in Ireland.
|
economics
|
https://ch-tc.com/financial-information/
| 2021-03-08T06:00:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178381989.92/warc/CC-MAIN-20210308052217-20210308082217-00092.warc.gz
| 0.943732 | 243 |
CC-MAIN-2021-10
|
webtext-fineweb__CC-MAIN-2021-10__0__183399881
|
en
|
Cancer Health Treatment Centers will bill your insurance company for you with the expectation that your insurance carrier will expedite payment within 45 days. If payment is not received within 45 days you will be notified. At the time of notification we ask that you contact your insurance carrier to find out the status of your unpaid claim. We will allow an additional 10 days for you to contact us with the outcome of your phone call. If after 10 days we have not heard from you, the bill will be considered your responsibility.
All payments of deductibles and co-pays are expected at the time of service. If you have a patient balance after your insurance has paid, you will receive a monthly statement. We expect payment in full at this time. For your convenience, we accept Visa/Mastercard payments. We understand that treatment can create a true financial burden for patients and their families. If you cannot pay for your services, contact our Patient Accounts Department to make payment arrangements. The phone number for Patient Accounts is (219) 310-2550. Payment can be made at any of our locations or by mailing your payment to Cancer Health Treatment Centers, 342 East 109th Avenue, Crown Point, IN 46307.
|
economics
|
http://www.fosfory.pl/en/
| 2017-04-27T20:54:23 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917122621.35/warc/CC-MAIN-20170423031202-00646-ip-10-145-167-34.ec2.internal.warc.gz
| 0.946118 | 111 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__39504478
|
en
|
Our mission is to provide high quality products and services for agriculture and the chemical industry.
We intend to build our future so that the cooperation with all clients will bring measurable benefits to each party. We believe that customers' satisfaction with our products and services is the foundation of our company's success.
With the transhipment services we want to be a ‘bridge’ connecting the Polish chemical industry and other countries.
A good brand and complete satisfaction of the customers' needs while maintaining the environmental protection requirements ensure a growing market share for us.
|
economics
|
https://readthink.do/sell-your-house-for-more/
| 2018-02-21T03:21:04 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891813322.19/warc/CC-MAIN-20180221024420-20180221044420-00712.warc.gz
| 0.936187 | 2,445 |
CC-MAIN-2018-09
|
webtext-fineweb__CC-MAIN-2018-09__0__121534601
|
en
|
Ever wonder how to sell your house for more money?
With real estate values rising in major cities across the developed world, buying, selling, and investing in property is topical, if not downright profitable.
But what actually works when selling a property? How do you sell your house for more?
It seems that much of real estate advice is more “generally accepted wisdom” rather than evidence-backed strategy.
Take for example the old adage in real estate that you often hear real estate agents tell clients – “your first offer is your best offer”.
If it’s good advice agents would practice it right?
So what did economists find when they compared the sales of homes that belonged to the real estate agents themselves, to those of homes belonging to the real estate agent’s clients?
Real estate agents kept their own houses on the market longer then their clients, and ended up getting tens of thousands more dollars for themselves.
Using the data from the sales of those 100,000 Chicago homes, and controlling for any number of variables—location, age and quality of the house, aesthetics, and so on—it turns out that a real-estate agent keeps her own home on the market an average of ten days longer and sells it for an extra 3-plus percent, or $10,000 on a $300,000 house.
When she sells her own house, an agent holds out for the best offer; when she sells yours, she pushes you to take the first.
As the economists pointed out, when you consider the agent’s commission structure, the result is actually not that surprising.
The problem is that the agent only stands to personally gain an additional $150 by selling your house for $10,000 more, which isn’t much reward for a lot of extra work.
Wondering what other selling secrets might be hidden in the data?
Here’s what they didn’t tell you, but research says can help to sell your house for more.
Sell Your House For More
1) Go High
When selling a property it’s not uncommon to be advised to set an “attractive price” (read: a lower price than you want).
The idea is that a lower price will attract more buyers and the agent can then work on the buyers to “build up” their price expectations.
Low start price = more interest = higher end price. Makes sense. Good strategy right?
This study found that an underpricing strategy resulted in a lower than expected sale price at auction, even when it attracted more buyers.
The results with respect to the sellers’ list price strategy show that while an increased underprice – a low list price in relation to assessed market value – increases competition by attracting more bidders, this competition is not enough to increase the selling price… it has a negative effect on sales prices.
How can that be?
The most likely explanation is what psychologists call “the anchoring effect“.
Psychologists have long known that the initial price you ask acts has a kind of “anchor” for buyers’ expectations.
And research shows the effect of anchoring is hard to avoid.
So what price should you set?
Research by economists shows that sellers that set higher asking prices for their properties get higher sale prices.
An owner of a property with a high loan-to-value ratio sets a higher asking price, has a higher expected time on the market and, if he sells, receives a higher price than an owner with proportionately less debt
But hold on, won’t that higher price be negated by the longer time on market?
2) Longer = Better?
Setting higher asking prices go hand-in-hand with a house remaining on the market longer.
So is the longer time on the market actually worth the extra price return? The data says highly likely.
We’ve already seen that real estate agents keep their houses on the market longer and get higher prices.
They know what they’re doing.
The study found that an agent keeps her own house on the market an average ten extra days, waiting for a better offer, and sells it for over 3 percent more than your house
An extra 3 percent for just 10 days is a pretty spectacular return.
Other studies by economists have found that higher prices cost an extra 10 weeks on the market, with a 4 percent higher price. A 20 percent annualized rate of return.
Nothing to be sniffed at either.
The higher reservation prices costs low-equity sellers about ten extra weeks on the market, but yields a 4-percent higher price. These numbers translate to an annualized rate of return exceeding 20 percent, suggesting that unconstrained sellers are willing to give up a significant amount in price in order to achieve a quick sale.
Obviously your holding costs and risk tolerance come into this equation. But it’s an equation worth doing.
Okay, so that’s price and time. What else can help sell your house for more?
3) Words Count
We all love pictures.
And if you’re getting good advice you’ll pay attention to getting quality photos.
And a study by Trulia.com suggests the more photos the better.
Our study shows that listings with more than 6 pictures are twice as likely to be viewed by buyers as listings that had fewer than 6 pictures.
But how much attention are you paying to the descriptive words in your marketing?
Research by US real estate media company Zillow.com shows that certain words in real estate marketing are associated with higher and lower house prices.
Bottom-tier homes described as luxurious tend to beat their expected sale price by a whopping 8.2 percent
Top-tier listings described as “captivating” sold for 6.5 percent more on average than expected.
What words are associated with selling your house for more?
Here’s the word clouds from Zillow.com
image source: zillow.com
So am I suggesting you can describe your dump as a luxurious palace and expect a better price?
The point here is not to under-sell good features with poorly worded advertising.
If some words are associated with higher prices, does it work the other way? Do some words correlate with a lower price?
Low-priced listings described as an “investment” sold for 6.6 percent less on average than expected.
And data shows top-tier listings with the word “investor” sold for 6.6 percent less on average than expected.
In fact, even bland words like “nice” are can potentially harm prices.
low- and mid-priced listings with the word “nice” sold for about 1 percent less on average than expected.
Time to re-think that advertising blurb?
Wondering what words to avoid if you want to sell your house for more?
Here’s another word cloud from Zillow.com that might help:
image source: zillow.com
So using the right sexy words help sell your house for more. But what about a sexy agent?
4) Sexy Sellers Sell
Yep. you guessed it. We humans are indeed that shallow.
Research shows that physically attractive agents have higher listing prices, and consequently they get higher sale prices.
A recent study of physical attractiveness and how it impacts real estate brokers’ pay and productivity shows that the more attractive the real estate agent, the higher the listing price of the home for sale. Those higher listings lead to higher sales prices, meaning that beauty enhances an agent’s wage, said the report by Frank Mixon, professor of economics at Columbus State University’s Turner College of Business.
Okay, so it’s more to do with the higher listing price (see the first tip) than the chiselled chin or captivating curves of your agent per se. But if you’re looking to stack the deck in your favour…
Okay. So we’ve covered the marketing side. How about the selling method?
Auctions, PBN, BEO, tender. Does it matter? Absolutely.
5) Auctions Achieve (Usually)
Is there a selling method that research suggests is best? Well, it depends.
Studies suggest the auction (aka English auction) gets higher prices than negotiated sales in up markets.
our results show that sellers obtain a higher expected selling price if they auction off their property in an up market…Holding other factors constant, auction sales are on average 5.7% higher than negotiated sale.
The middle-priced property segment has the highest auction premium at 5.7%, while the high-end property segment has the lowest auction premium at 4.3%.
What about auctions versus tenders?
According to research from Singaporean government land sales, auctions beat first-price sealed-bid tenders by around 4 percent.
The evidence indicates that using the sealed-bid tender results in a lower land price, approximately 4% lower than English open auction.
But a word of caution: an auction may not be the best choice in a weak or flat market.
In a down market, auction sales are on average 1.9% lower than negotiated sales. Generally, when the market is unstable, either heading for a boom or a bust, the results indicate that auction sales will benefit sellers of low-end properties more than sellers of high-end properties
So if you are considering an auction, is there anything you can do to get more money out of your auction?
6) Hack Your Auction
When it comes to auctions, it’s a case of “the more the merrier”.
For the seller that is.
Research suggests that going from 1 bidder to 2 bidders in an auction can increase the final price by roughly 4 percent.
The effect of the number of bidders is also strongly economically significant. Starting at one bidder, the increase in price when adding one more bidder is 3.9 percent and the corresponding increase when going from five to six bidders is 1.9 percent…
As a further illustration, increasing the number of bidders for an average apartment from one to six, the expected selling price increases by 14 percent.
Of course, as we’ve already seen, underpricing to increase bidders doesn’t have this effect.
And until cloning technology improves, there’s no easy way to magically increase the number of bidders at your auction.
So, is there anything else we can do to make an auction go further?
Talk to your auctioneer. Fast talker?
Fast auctions generate higher prices.
A fast auction in terms of a short average time between bids seems to increase the probability of a bidding frenzy, which, in turn, increases the number of bidders and selling price.
The bid speed might be a little out of the auctioneers hands. So what can they control?
And the same study revealed that higher bid increments generate higher sale prices than smaller increments.
Increased bid increments reduce competition, however not enough to offset an increase in selling price.
So there’s what the research says can help to sell your house for more.
Is it iron-clad financial advice? No.
Obviously there are a lot of different variables that go into selling a home.
But as a property investor with 20 years of experience, it’s always enlightening to get beyond the entertaining stories and accepted wisdom to see what the data reveal about how to sell your house for more.
So get out there and sell your house for more!
|
economics
|
https://www.groupmobile.com/hardware/handhelds/rugged-handhelds.html?___store=default
| 2020-05-26T06:55:55 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347390448.11/warc/CC-MAIN-20200526050333-20200526080333-00109.warc.gz
| 0.943216 | 122 |
CC-MAIN-2020-24
|
webtext-fineweb__CC-MAIN-2020-24__0__88959492
|
en
|
Why buy a rugged handheld computer and not a consumer-grade device? We feel the most important factor is overall cost — who doesn’t like to save money! Getting total cost of ownership (TCO) as low as possible requires organizations to deploy devices that will lead to maximum reliability and productivity in their work environment. Consumer-grade devices often don’t last a year when deployed to support mobile operations resulting in extremely high failure rates not to mention large repair, maintenance, and replacement costs. At the other end, ruggedized mobile computers routinely last four years or more even in challenging industrial environments.
|
economics
|
https://oldnallend.uk/oldnall-end-in-1839/
| 2023-05-28T07:14:21 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224643585.23/warc/CC-MAIN-20230528051321-20230528081321-00187.warc.gz
| 0.957565 | 422 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__140708476
|
en
|
The Warwickshire Tithe Map and Tithe Apportionment is a rich primary source that allows us to identify each dwelling or plot of land in Oldnall End in 1839, along with its owner and occupier.
What was the Tithe Apportionment?
The payment of tithes was an ancient system whereby occupiers of land gave one-tenth of their produce to their local church. By the 19th century, much land previously owned by the Church had passed into the hands of private landlords, who continued to receive tithes.
In 1836 the British Government passed the Tithe Commutation Act, which allowed owners and occupiers of land to pay their tithes with money rather than the more traditional crops or livestock. In order for land to be valued, each parish was surveyed and a Tithe Map prepared, showing the owner, occupier, area and state of cultivation of each plot of land.
The Tithe Apportionment in Berkswell
The Tithe survey of Berkswell, carried out by Thomas Smith Woolley of Nottinghamshire and valued by John Harris of Birmingham, was confirmed by the Land Commission on 10 April 1839.
This map shows the ownership and occupation of Oldnall End’s houses and land at the time of the 1839 Tithe Apportionment. Click on a marker to find the name of the plot, its area (in acres, roods, and perches), its state of cultivation (e.g. arable, pasture, etc.), and the names of the owner/occupier. Some entries even have photographs so you can see what the plot looks like today!
Want to find out more?
Click here to see a list of Oldnall End properties in 1839.
Warwickshire County Record Office hosts a database with transcripts of the Tithe Apportionment books for the whole of Warwickshire.
The Tithe Maps themselves can be seen and/or purchased at the County Record Office or (with a subscription) at The Genealogist.
|
economics
|
http://fiscly.com/index.php?title=Fiscly:About&diff=96235
| 2019-10-17T17:56:27 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986675598.53/warc/CC-MAIN-20191017172920-20191017200420-00447.warc.gz
| 0.933682 | 151 |
CC-MAIN-2019-43
|
webtext-fineweb__CC-MAIN-2019-43__0__1842705
|
en
|
Difference between revisions of "Fiscly:About"
|Line 1:||Line 1:|
Fiscly tracks vendor payments over time.
Fiscly tracks vendor payments over time. by [https://twitter.com/sarahecon @sarahecon]. [https://www.twitter.com/fiscly @fiscly].
Latest revision as of 10:09, 4 October 2017
Fiscly tracks vendor payments over time. Fiscly is a data project by Sarah Oh, Research Fellow at Technology Policy Institute, Washington DC. Sarah is a PhD economist and lawyer. Follow her at @sarahecon. Fiscly is on twitter too, see @fiscly.
|
economics
|
https://foi.se/en/foi/about-foi/how-is-foi-financed.html
| 2023-11-29T09:00:01 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100057.69/warc/CC-MAIN-20231129073519-20231129103519-00861.warc.gz
| 0.943501 | 395 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__157613257
|
en
|
How is FOI financed
FOI’s activities are financed both through commissions and appropriations.
Financing through commissions means that we price and sell our services in the marketplace. The majority of the commissions are publicly-financed and from the Armed Forces, the Swedish Defence Materiel Administration and other ministries and authorities.
In 2022, 52 per cent of FOI’s total revenues were received from the Armed Forces. The commissions are often long term and involve, among other things, simulation, underwater technology, information warfare and aeronautics. For example, FOI has:
- provided expert support in the development of the Gripen system
- contributed to improvements in the ability of Swedish ships to avoid detection by foreign reconnaissance and mine systems.
The Swedish Defence Materiel Administration was responsible for 14 per cent of FOI’s revenues in 2022. One example of the assignments the authority has given us:
- development of methods for preventing electromagnetic interference in the field.
Examples of commissions that FOI has received from civil authorities:
- conduct studies and provide support within the civil defence area for the Swedish Civil Contingencies Agency (MSB)
- analysis of white powder letters for the Police.
Financing received via appropriations implies that revenues are provided by the Government, more precisely the Ministry of Defence and the Ministry for Foreign Affairs. About 20 percent of FOI’s activities are financed through appropriations and comprise several sections:
- security and defence policy and analysis
- research in the CBRN area (CBRN stands for chemical, biological, radiological, and nuclear agents)
- international activities in the area of defence materiel
- research within the Police’s field of activities
- research, investigations and other missions in security policy and disarmament.
FOI’s activities are also financed internationally, for example via EU’s framework programme for research and innovation.
|
economics
|
https://www.phoenixsoftware.com/quote.php?J3P
| 2023-09-24T06:19:38 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506623.27/warc/CC-MAIN-20230924055210-20230924085210-00413.warc.gz
| 0.867659 | 278 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__186680515
|
en
|
JES3plus Pricing Worksheet
Use this worksheet to submit information for purposes of obtaining a pricing proposal for JES3plus.
On the next page, please complete the following:
- JES3plus CPC Configuration Report
- Upload most recent twelve months of SCRT reports to confirm capacity and consumption (if eligible for sub-capacity pricing).
Phoenix Software Develops State-of-the-Art Products for Modern Enterprises
- JES3plus is fully supported, has a road map for enhancements, and can be implemented by existing IBM JES3 customers through a trivial migration and at no additional cost.
- Initial contract cost will closely match what customers are currently paying for IBM JES3.
- Any subsequent price increases will not exceed the percentage price increases implemented by IBM.
- Annual licensing in place of MLC.
JES3plus is a licensed, derivative work based on IBM®’s z/OS® JES3 V2R4 source code. Created with customers in mind, JES3plus provides existing JES3 customers a common-sense alternative to a costly and potentially risky JES2 conversion. Customer implementation involves a trivial migration to a fully supported product, with a road map for enhancements, no planned end of life, and no additional licensing costs.
|
economics
|
https://www.agingincommunity.com/help-alice_the_original_petition
| 2020-08-11T00:15:27 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439738723.55/warc/CC-MAIN-20200810235513-20200811025513-00552.warc.gz
| 0.957364 | 578 |
CC-MAIN-2020-34
|
webtext-fineweb__CC-MAIN-2020-34__0__96522881
|
en
|
My name is Alice Green and I'm 72 years old. For more than 20 years, I've lived in a wonderful cohousing condominium community in Berkeley, California. But I'll lose my home in a few months - and with it, the community I consider my family - unless the government agrees to let me reverse mortgage my home.
(Fall, 2016 Update: We were surprised and delighted by the response we got to this, over 10,000 signatures in one weekend! It got the government's attention, and we ended up going to DC and meeting with HUD staff and shifting FHA policy. But since differences in city and federal guidelines around our unique community are keeping us from pursuing this path (for now), and I'd rather do this in a way that benefits my friends and neighbors rather than a big commercial bank, I'm making do with what I have for now, and continuing to work, and with my neighbor Raines and others we're researching and co-creating community alternatives, like a Revolving Loan Fund and/or Permanent Real Estate Coop, perhaps in partnership with a Land Trust and Community Loan Fund. Read the recent articles in this section for more. )
I moved into this community because I wanted to live more resourcefully and "in community". My neighbors and I share a big common yard, laundry and meals three nights a week. It’s wonderful. I own my home (“free and clear”) and live on only $12,000 a year because I live simply and meet some of my needs through bartering and sharing. But my savings, part time income and Social Security can't keep up with Berkeley's high property taxes and my condo fees that cover maintenance, reserves and insurance.
Anyone else in my situation could apply for a reverse mortgage. But somehow, because my neighbors and I share some meals and resources like a laundry room, the Federal Housing Administration (FHA) won't treat us the same as other condominium communities, and won't allow even a small reverse mortgage loan for my home.
With the help and support of my neighbors, I started this petition because I want FHA Commissioner and Assistant Secretary for Housing Carol Galante to treat cohousing condominiums like all other condominium communities so I can get a reverse mortgage. By doing so, I hope the path will also be clear for others to continue living in supportive and engaged communities like mine.
Carol Galante, FHA Commissioner and Assistant Secretary for HUD
Treat cohousing condominium communities like mine the same as any other condo community so I and others can access reverse mortgages to help stay in our homes.
Please sign my petition calling on FHA Commissioner and Assistant Secretary for Housing Carol Galante to let me reverse mortgage my condo so I can stay in my home, in the community I love.
|
economics
|
http://stonycreekbead.blogspot.com/2011/06/sterling-filled-items-are-now-in-stock.html
| 2020-06-05T13:00:58 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590348500712.83/warc/CC-MAIN-20200605111910-20200605141910-00328.warc.gz
| 0.968582 | 142 |
CC-MAIN-2020-24
|
webtext-fineweb__CC-MAIN-2020-24__0__180677101
|
en
|
As you may know, the price of sterling has increased dramatically over the past several months. In response, our metal supplier is now carrying sterling filled items.
Much like gold filled, this is still technically a plating. However, because of the thickness of the metal, and because of the process in which it was made, the silver should not wear off like a normal base-metal plating would. This is a cost effective alternative for those of us who love the look of silver, yet do not want to pay for the silver prices.
This first shipment has round wire and smooth, round beads in it. More will be coming soon.
Try it and let us know what you think!
|
economics
|
https://orings.en.alibaba.com/company_profile.html?spm=a2700.pc-decorate.0.0.333b3333zo5TJf
| 2021-07-25T15:18:23 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046151699.95/warc/CC-MAIN-20210725143345-20210725173345-00425.warc.gz
| 0.929099 | 606 |
CC-MAIN-2021-31
|
webtext-fineweb__CC-MAIN-2021-31__0__42481980
|
en
|
Guangdong yi chi seal products co., LTD, located in the "Factory of the World" of Dongguan City, is a private enterprise specializing in the design and production of precision molds, standard parts, O-rings, silicone precision sealing products, silicone products (such as baby pacifiers). Our products have a wide range of applications. For example, our products are mainly applicable to oil seal, water seal, pneumatic seal, and also can be used in various jewelry, toys, kitchenware, cushion pad and other related fields. Our products have passed the international system certifications of ISO9001 and ISO14001.Our Company has two factories and four workshops, covering an area of 8,500 square meters, with an annual production capacity of more than 620 tons of rubber compound, more than 4,200 sets of molds, and a daily production capacity of 6.7 million products per day. Based on more than ten years of production experience and technical research, Our Company has mastered the advanced sealing production technology and technological process. Now, we have a complete set of perfect production process, including product design, research and development, mold development, raw material formula, molding production and quality testing.The Mold Department in Our Company has 10 sets of high precision CNC, 3 sets of electrical discharge machining, 28 sets of vulcanizing machines, and various testing equipment such as sulfur analyzer, machine for hardness test, tensile test, salt spray test, etc. The materials we use are of high quality from America, Japan, Germany, etc., which can meet most of our customers' needs for quantity, quality and delivery.Since its establishment, Yi Chi has been advocating people-oriented, adhering to the enterprise spirit-"Yi Chi is my family, prosperity depends on everyone", and achieved steady growth. Our vision is to create happiness for employees and make customers feel satisfied. We will always work hard towards our goals and try our best to be the best in the industry!Positioning: focus on the production of the most precise, the most complete, and the most trouble-free sealing rings!Vision: Casting a national sealing brand with craftsmanshipMission: To build a dream factory for employees who have dreamsGuangdong yi chi seal products co., LTD focus on type O sealing ring, silicone rubber seal products design, development, production and sales, the company existing mold more than 4200 sets, producing products of billions, finished products warehouse 1000 square meters, the o-rings are complete in specifications, material of silicone, rubber, fluorine rubber, a large number of spot, the company has high precision CNC machining center 10 units, sparks machine 3 units, mold daily output is as high as 12 sets, 28 vacuum vulcanizer Taiwan, fine close 3 glue machines, powerful hardware, silica gel products daily production of more than 6 million, only to meet your quality and delivery, looking forward to cooperate with you.
|
economics
|
https://chbanl.ca/2014/11/27/chba-nl-seeks-20-member-companies-for-canada-job-grant-participation/
| 2023-11-30T20:28:57 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100232.63/warc/CC-MAIN-20231130193829-20231130223829-00216.warc.gz
| 0.931844 | 410 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__285754577
|
en
|
The CHBA-NL has submitted a comprehensive proposal for the Canada Job Grant, which we are currently negotiating with the province. The proposal is based on identifying 20 member companies and their training needs whereby the CHBA-NL will facilitate training through a variety of modules in partnership with Keyin College. The training modules include:
Energy Efficiency Boot Camp
EnerGuide for new and existing homes
Administration Boot Camp
Finance and Accounting
Human Resource (attraction and retention of labour)
Technical Boot Camp
Framing Technician Program
Drywall and Plastering
Windows and Doors
Shingling and Roofing
The objective of our proposal is to stimulate increased employer involvement in all aspects of training through the Canada Job Grant. Employers, as primary stakeholders, have an interest in ensuring the long-term success of this program. This is especially true given the residential construction industry is an unregulated one where a lack of expertise can have devastating impacts.
As a result, the CHBA-NL intends to use this opportunity as another means to enhance the professionalism of the industry, as it has evolved and changed at a rapid rate. It is understood that by strengthening the capacities of the workforce, productivity will be immeasurably enhanced. By professionalizing the workforce, there should be a reduction in turnover, which may help stabilize labour costs associated with home-building.
As a result of favourable discussions with the province, we are now seeking 20 member companies interested in identifying training needs and accessing skills training for new and existing employees. The Association will walk you through the process to ensure your employees receive the instruction you need to meet your diverse human resources needs now and well into the future.
Let us help you gain a competitive edge in the marketplace. To learn more about the Canada Job Grant and to take advantage of our expertise, please contact the office: [email protected] or 753.2000
For background information on eligibility and requirements, review this presentation from Advanced Education and Skills (AES):
|
economics
|
http://www.ntlshutters.com/blog/how-impact-windows-pay-off/
| 2018-12-13T02:05:51 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376824338.6/warc/CC-MAIN-20181213010653-20181213032153-00196.warc.gz
| 0.949593 | 374 |
CC-MAIN-2018-51
|
webtext-fineweb__CC-MAIN-2018-51__0__86047936
|
en
|
We’ve talked in this space before about the benefits of impact windows in areas like ours where the potential for hurricanes and the strong winds associated with them is always a looming threat. Preparing for a hurricane means either protecting your windows or replacing them with wind resistant impact windows, and while there’s certainly a larger up-front investment with the latter, most home and business owners might be surprised at how quickly the price starts looking less intimidating once you consider a few mitigating factors.
Certainly there’s your time; in the event of a hurricane warning, whether you’re installing storm panels or simple plywood, there’s time that needs to be spent doing it that could probably be better spent safeguarding yourself and your family. Even if you’ve got plenty of time to evacuate an area, the value of your own time — or the cost of paying someone to install all those sheets of plywood — needs to be weighed against the one-time cost of installing impact windows.
Also, impact windows do more than just protect interiors during high winds. They’re also great at reducing noise, are extremely energy efficient, offer UV protection to your furniture and other belongings, and act as a deterrent against burglars and other intruders — they’re a health and safety asset to any home. Moreover, in most cases insurance companies in hurricane prone areas offer premium discounts to home and business owners who have installed impact windows — and that discount is typically available year after year. Couple that discount with energy tax credits that are usually available for installing more efficient window glass like that used in impact windows and you’re starting to chip away at the initial cost pretty rapidly. Call us today and we’ll run numbers with you — we think you’ll find impact windows are an excellent investment.
|
economics
|
https://neptunerts.com/team/
| 2023-05-29T23:02:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644913.39/warc/CC-MAIN-20230529205037-20230529235037-00006.warc.gz
| 0.951862 | 530 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__135243700
|
en
|
Ed Stern is President and CEO of PowerBridge, the leading developer of non-utility, privately financed, electric transmission systems in the U.S. PowerBridge has developed, financed, constructed – and now operates – more than 1300 MWs of transmission capacity, with a total investment in excess of $1.5 billion. PowerBridge also completed the development and construction of a natural gas line and is currently developing several billion dollars of new electric transmission facilities.
Ed has more than 30 years of experience leading the successful development, financing, construction, operation and ownership of major energy and infrastructure projects. Under Ed’s guidance, PowerBridge developed, financed and built the Neptune Regional Transmission System, completed in 2007, and the Hudson Transmission Project, completed in 2013.
Both Neptune and Hudson are 660 MW HVDC underwater and underground electric transmission systems, managed by PowerBridge, that interconnect the PJM market in New Jersey with power grids in New York. Neptune extends 65 miles (51 underwater) between Sayreville, New Jersey and Long Island, while Hudson runs from Ridgefield, New Jersey for approximately seven miles into Manhattan’s West Side, including four miles underneath the Hudson River. Both projects were completed on budget and ahead of schedule.
From 1991 through 2004, Ed was employed by Enel North America, Inc. — the North American subsidiary of the Italian electric utility Enel SpA — and its predecessor, CHI Energy, Inc., an energy company specializing in renewable energy technologies including hydroelectric and wind. While at Enel North America, Inc. and CHI Energy, Inc., Ed served as General Counsel and, commencing in 1999, as President, Director and Chief Executive Officer.
Prior to joining CHI, Ed was a vice president with BayBanks, Inc., a Boston-based $10 billion financial services organization, where for six years he specialized in energy project finance, real estate restructurings and asset management.
Ed has served on numerous public and private boards, most recently on the boards of CAN Capital, Inc., a small business specialty finance company; Deepwater Wind Holdings, LLC, America’s leading developer of offshore wind projects (recently acquired by Orsted), FMC GlobalStat Holdings, Inc., a global provider of satellite and wireless communications systems; and on the advisory board of Starwood Energy Group Global, LLC, a private equity firm specializing in energy and infrastructure investments.
Ed received B.A., J.D. and M.B.A. degrees from Boston University. He is a member of the Massachusetts Bar and the Federal Energy Bar.
|
economics
|
https://primordialalchemist.com/cancellation-policy/
| 2021-03-04T10:14:32 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178368687.25/warc/CC-MAIN-20210304082345-20210304112345-00550.warc.gz
| 0.9384 | 287 |
CC-MAIN-2021-10
|
webtext-fineweb__CC-MAIN-2021-10__0__7568005
|
en
|
Fees are refundable up to one (1) month prior to the event, minus a $25 processing fee.
If cancellation occurs fourteen (14) business days prior to the class, you will incur a cancellation fee equal to 20% of the class price.
If cancellation occurs ten (10) business days or less prior to the class, you will incur a cancellation fee equal to 40% of the class price.
If you have personal credit, it must be used within 12 months, and NO refunds in the form of payment will be made, even if you cancel within fourteen (14) days prior to the start of a class. Once funds are credited from one class to another, the funds must remain as a credit (no refunds) in further transactions.
On rare occasions, we may have to move class location or cancel classes due to insufficient enrollment or unforeseen circumstances. Registrants will be notified [by email and telephone] before the event, and full refunds will be issued by the way it was received. If this occurs, our responsibility is limited to a refund of any registration fees you’ve already paid. Primordial Alchemist, Inc is not responsible for airline tickets (you can purchase airline insurance), other payments or Hotel fees, or any similar fee penalties that you may incur as a result of any trip cancellations or changes. Please allow ten business days for us to process any refunds or credit changes.
|
economics
|
https://www.allguildfordjobs.com/recruitment-news/965/Project-launched-in-Guildford-to-help-jobseekers-and-unemployed-youngsters/
| 2024-03-03T16:35:40 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476396.49/warc/CC-MAIN-20240303142747-20240303172747-00083.warc.gz
| 0.973905 | 285 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__89518466
|
en
|
A new project was launched earlier this year to tackle the problem of youth unemployment and to help support those on job seekers in Guildford. The project involves a number of local organisations working together to provide suitable job training, teaching vital skills needed for the workplace, as well as offering job opportunities with Guildford based companies. Guildford Council and Guildford YMCA are among some of the organisations who are backing the project.
The aim is to work with local job seekers and youth who are unemployed, to develop their education and workplace training to improve their employability. The scheme also gives job seekers some structure and clear goals to aim for. They will receive excellent training and can gain recognised qualifications through the project.
The project will involve a number of job opportunities across a range of employment sectors from council work right through to gardening. The project was launched earlier this year and is set to continue for two years, with the idea that it will be reviewed and hopefully continued post 2015.
The project is based at Guildford Bike Project’s shop, and the Council has plans to invest in developing the space to suit the services on offer. The project is a chance for local organisations to work together towards a shared goal. Youth unemployment has reached an all time high; by working together companies can try to tackle the problems at hand in the local area. The whole of the Guildford community will inevitably benefit from the project.
|
economics
|
http://www.thorntondirectory.co.uk/2018/09/press-release-12th-sept-2018/
| 2019-01-20T01:17:45 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583688396.58/warc/CC-MAIN-20190120001524-20190120023524-00611.warc.gz
| 0.952526 | 1,307 |
CC-MAIN-2019-04
|
webtext-fineweb__CC-MAIN-2019-04__0__15671770
|
en
|
12th September 2018
For immediate release
Thornton Directory named one of UK’s top 100 small businesses by Small Business Saturday
A Bradford community magazine, based in the Bronte birthplace village of Thornton has been selected as one of Small Business Saturday’s top 100 companies for 2018. Thornton Directory is celebrating being recognised for championing local businessend supporting community organisations in its monthly publication in the SmallBiz100 list. The community magazine has been selected as a trail-blazer in the official count-down to Small Business Saturday, which takes place across the UK on 1 December 2018.
SmallBiz100 highlights 100 amazing small businesses in the 100 days leading up to Small Business Saturday Thornton Directory, it’s achievements and contribution to the local community will be celebrated and spotlighted on Sunday 16th September.
The 2018 Small Biz 100 are drawn from every corner of the UK and reflect the vibrancy of the UK’s 5.5 million small businesses. This year’s cohort joins hundreds of previous SmallBiz100 alumni champions, which have been celebrated by the iconic campaign since its UK launch in 2013.
Thornton Directory has been the community magazine for Thornton and surrounding areas for 12 years and is delivered to thousands of homes and community pick up points every month. In the last four years it has also been available to download online for those who like to read on the go and has a strong social media presence for local news between issues.
The publication is truly embedded in the community, getting involved in community events and organisations, championing local businesses through advertising opportunities and encouraging community contributions to their local news, community updates and what’s on sections of the magazine. They even launched and look after the fast growing Thornton Rocks group, spreading kindness on decorated rocks which has brought a real buzz to the village and encouraged people to enjoy the outdoors. It is this strong connection between community and small businesses which Thornton Directory prides itself on and is one of the reasons they were specially chosen to be a SmallBiz100 trailblazer.
Neil Bird, editor of the Thornton Directory said:
“We are thrilled that the Thornton Directory has been selected as one of this years SmallBiz100 alongside such fantastic companies. It’s an amazing opportunity to celebrate all that we do as a community magazine and to showcase our community and local businesses, not just here in Yorkshire, but across the UK.
Thornton Directory is all about connecting local people to local businesses. Every day we champion other small businesses. Seeing them succeed and helping new ones launch with a clear identity is fantastic to be a part of. It’s really special to us that the Thornton Directory is so well read and respected in the local community. Each month local people contribute news and stories to make their community magazine the success that it is.
On the back of the success of the magazine, and as a result of community feedback, we also launched a Queensbury Directory three years ago. As part of the SmallBiz100 celebrations, this week we are delighted to announce that we are launching our third publication, the Bingley Directory.”
Small Business Saturday UK is a grassroots, non-commercial campaign, which highlights small business success and encourages consumers to ‘shop local’ and support small businesses in their communities. Now in its sixth year, it is the UK’s most sucessful small business campaign, which last year saw an estimated £748m spent with small businesses across the UK on Small Business Saturday.
The #SmallBizSatUK campaign trended at number one in the UK on Twitter during 2017, reaching over 115 million people globally. The Prime Minister and the Mayor of London were among those publicly supporting the campaign. Over 87% of local councils also supported the campaign.
Director of Small Business Saturday UK, Michelle Ovens said:
“The launch of the Small Biz 100 marks the exciting count-down to Small Business Saturday 2018. We are thrilled to highlight the dynamic, creative and inspiring small businesses from across the country, as part of our campaign to celebrate and champion the success of the UK’s small businesses. The Small Biz 100 showcases the companies at the heart of the UK’s economy, which we need to support now more than ever.”
Small Business Saturday 2018 is open to all businesses to participate in, and will commence its regional bus tour roadshow across the UK during the autumn, to drum up further support.
- Ends -
Photograph attached, with permission to use, of Neil Bird, Thornton Directory editor, with previous issues of the magazine, next to Thornton Viaduct.
Notes to Editors
Name: Neil Bird, Thornton Directory
Phone: 07830 231606
About Thornton Directory
West Yorkshire small business, the Thornton Directory is a community magazine delivered FREE door to door to homes and businesses in Thornton and surrounding areas. Each month the magazine reaches thousands of readers with its local news, community group updates, local history articles, sports news, what’s on and local business advertising.
The community publication, which is now celebrating its 12th year is now also available to download on line and they have a strong social media presence sharing local news and events between issues.
Thornton Directory has a loyal readership as it champions the important connection between community organisations and small businesses, being the go to place for information in the area. This reputation led to their launch of the Queensbury Directory three years ago due to public demand and the launch of Bingley Directory this year on their special SmallBiz100 day.
With its strong history in working with small businesses, Thornton Directory also works with local advertisers on their branding and marketing to help them have the best results possible.
About Small Business Saturday
Small Business Saturday UK is a grassroots, non-commercial campaign, which highlights small business success and encourages consumers to ‘shop local’ and support small businesses in their communities.
The day itself takes place on the first Saturday in December each year, but the campaign aims to have a lasting impact on small businesses.
On Small Business Saturday, customers across the U.K go out and support all types of small businesses, online, in offices and in stores. Many small businesses take part in the day by hosting events and offering discounts.
More information on Small Business Saturday can also be found at:
|
economics
|
http://www.cvitec.de/about.html
| 2023-11-29T11:32:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100081.47/warc/CC-MAIN-20231129105306-20231129135306-00088.warc.gz
| 0.962802 | 403 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__236607390
|
en
|
CViTec GmbH is one of the world’s leading companies in LED lighting business. It was established in May 2010. The head office locates in the City Eschborn in Germany, and owns three sales companies worldwide: the first is ART LIGHTING Co., Ltd., locates in China with main business of lighting fixture products. The second is CVL Lighting Co., Ltd., also locates in China and focuses on lighting source products. The third company is CViTec USA, its location is in North America, focuses on lighting luminaires and lighting source.
CViTec GmbH has four factories in China: Sunlight factory was founded in 2001 for LED Chips production, Civilight factory in 2006 for LED driver production, Easylight factory in 2008 for production of lighting source, and the new FOSHAN factory, founded in 2015 for lighting luminary’s production.
CViTec GmbH has two famous brands, CViTEC® and CIVILIGHT®. CIVILIGHT® has been established for more than 12 years and has attained a very good reputation worldwide, especially in European market. It focuses on lighting source products, such as spotlight, bulbs and other lighting source. CViTEC® was established 3 years ago, specialized on hotel lighting, shop lighting and also industry lighting and outdoor lighting.
CViTec GmbH has formed a long-year experienced R&D team for new products and new technology, is very strong at innovation. We have a lot of patent designs, such as special HALED™ patent design for spotlight, and LEDincand™ patent design for LED bulbs, most of the products have high CRI around Ra95 (with SUNWHITE™ Technology). And for LED drivers, they are all designed and produced by ourselves to keep the best quality. All products have CE, PSE or UL certificates to meet different market requirements for certification.
|
economics
|
http://en.nthkjx.com/about.html?introId=1
| 2024-04-15T12:42:33 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816977.38/warc/CC-MAIN-20240415111434-20240415141434-00257.warc.gz
| 0.907212 | 631 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__112201903
|
en
|
- Categories:About Us
- Time of issue:2020-04-18 00:00:00
Nantong Hengkong Machinery Co., Ltd. is located in the beautiful and fertile Nantong City of Binhai Linhai. It is a professional enterprise engaged in the development, design, manufacture and sale of roll processing equipment. The existing production standard workshop is more than 10,000 square meters, and the fixed assets are more than 10 million. According to the manufacturing process of mechanical machine tools, the factory has large parts processing workshop, metal processing workshop, paint workshop and assembly debugging workshop. At present, there are more than 40 engineering technicians.
Since its establishment in 2017, the company has followed the development policy of "elite talents, perfect management, advanced technology, and honest service", and its design level, manufacturing capacity and sales performance have reached a new level in one year. Independent research and development of "roller end CNC lettering machine tool", "heavy-duty rail beam steel roller marking CNC engraving and milling machine", domestic three-rail "roller transverse rib groove (crescent groove) CNC combined processing machine tool without disassembly, replacement or moving parts", etc. Special equipment has obtained many national patents.
The company's professional design and manufacturing team, advanced process equipment and perfect testing methods ensure that "Hengkong" products are advanced in technology and stable in quality. The products sell well in major domestic steel companies and are exported to many countries and regions in Southeast Asia, the Middle East, Europe and America.
All "Hengkong" people will adhere to the business philosophy of "people-oriented, customer first" and the working spirit of "research and the bank, excellence", and constantly develop new technologies and cost-effective products in return for customers and friends from all walks of life. Our support and love.
Machining equipment includes: 4-meter gantry milling machine, 4-meter gantry mill, T611 boring machine, M7150 surface grinder, CNC lathe, CNC milling machine, rocker drilling machine, etc.
Specializing in the production of XK500A, XK500H, CNC roll crescent groove processing machine tools, CK8450, CK8465, CK8480 series CNC roll lathes, CK9380 checkered plate CNC turning and milling centers, CA8450, CA8465 digital display roll lathes, ZM10 precision universal grinding machine and other related accessories product.
Our company has now become a well-known enterprise with a certain reputation in the domestic steel enterprises, metallurgical design institute roll processing machine tool industry.
We warmly welcome new and old friends at home and abroad to write to us to discuss business and visit guidance, and pay tribute to the majority of users and industry professionals who care about our company!
Scan the QR code to read on your phone
Hengkong—Specializing in CNC roll processing machine tools
|
economics
|
http://www.texasangus.com.au/News/news27.html
| 2013-05-19T23:48:31 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368698150793/warc/CC-MAIN-20130516095550-00012-ip-10-60-113-184.ec2.internal.warc.gz
| 0.960136 | 398 |
CC-MAIN-2013-20
|
webtext-fineweb__CC-MAIN-2013-20__0__125866293
|
en
|
|Texas Genetics paying big dividends in Northern New South Wales
Sam and Jenny Bailey of “Pine Hills” Croppa Creek took out the prize for the best Pen of British or British Cross Steers at the Inverell Blue Ribbon Weaner Sale on April 30 this year with a pen of 16 ten-month-old Angus steers, weighing an average 321kg. The pen of steers also won the overall top prize for the Grand Champion Pen against more than 4000 weaners at the same sale. Sam and Jenny have been purchasing Texas Angus Stud bulls since 2001. A large proportion of the prize-winning steers carried Texas bloodlines, via both sires and Sam and Jenny’s breeding herd, which includes a large number of cows by Texas bulls.
Sam and Jenny currently run an Angus herd of 120 cows, with plans to expand over the next few years by retaining their own heifers. They target the weaner market, turning eight to ten-month-old steers off their mothers and either selling at the feature weaner sales or on farm. Their goal is to get maximum growth between 200 and 400 days in their steers, while producing good framed, very quiet fertile heifers which produce plenty of milk. They put their main focus on looking after their cow herd, to the extent of putting in oats solely for their cows. Their philosophy is ‘if you look after the cow, the cow will look after the calf’.
They choose Texas bulls because of their growth, frame and bone, milking ability and very importantly, quiet temperament.
Congratulations to Sam and Jenny for their very successful book “Head Over Heels” and their expanding public speaking, they certainly have put Croppa Creek on the map!
Photo (left to right Mark Smith, McGregor’s Agricultural Services, Sam and Jenny Bailey and Doug Smith, McGregor’s Agricultural Services Warialda)
|
economics
|
https://aphorism-project.eu/project-structure/wp6.html
| 2019-12-06T13:26:12 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540488620.24/warc/CC-MAIN-20191206122529-20191206150529-00128.warc.gz
| 0.898249 | 182 |
CC-MAIN-2019-51
|
webtext-fineweb__CC-MAIN-2019-51__0__43137752
|
en
|
The WP6 objectives are the identification and the analysis of all technical, management and economic aspects related with the delivery of commercial (and, eventually, non-commercial) services, associated with the scope of APHORISM results, to end-user (customer) communities. The outcomes will describe the Institutional and Research markets that operate in the European Union in terms of the systems, applications and market players with a particular emphasis on the air traffic control. An estimate of the size of the market, with a particular focus on its growth in the short, medium and long term, will be done, including an asseement of the potential requirement for APHORISM systems and possible market sector options.
LIST OF TASKS:
T6.1 - Market Data Collection and Collation
T6.2 - Focused Marketing Analysis
T6.3 - Develop High Level Business Plan
|
economics
|
https://urbanpeacemovement.org/raising-the-oakland-minimum-wage-lift-up-oakland-coalition/
| 2024-03-05T14:58:29 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707948235171.95/warc/CC-MAIN-20240305124045-20240305154045-00537.warc.gz
| 0.93694 | 221 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__85484858
|
en
|
In the fall of 2014, UPM youth members joined the Lift Up Oakland Coalition to help pass Measure FF and raise Oakland’s minimum wage from $9 an hour to $12.25. Measure FF passed with a resounding 81.7% of the vote demonstrating overwhelming support for a fair wage that better reflects the rising cost of living in Oakland. UPM members helped gather signatures, knocked on doors, and hosted their own public awareness rally in the heart of the busy Fruitvale district.
Measure FF gave 48,000 workers a raise and provided paid sick days for an estimated 56,700 workers. While Oakland is becoming a much more attractive destination for tourists and the bourgeoning tech industry, the unequal income gap between newcomers and long time residents is growing. When jobs fail to provide a livable wage, the underground street economy ends up being the only choice to survive. This creates a situation where our city’s most vulnerable residents are exposed to higher rates of violence. Raising the wage for low-income families and increasing economic opportunity is a step toward a more peaceful Oakland community.
|
economics
|
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