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http://rbsa.org.uk/about-us/100-club/
| 2017-04-30T07:08:05 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917124371.40/warc/CC-MAIN-20170423031204-00580-ip-10-145-167-34.ec2.internal.warc.gz
| 0.958608 | 167 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__201368254
|
en
|
For just £60 you have a 1 in 100 chance of winning £1,000 – far better odds than a lottery ticket!
Click the red button below to pay online using your credit or debit card. Alternatively, you can contact the Gallery on 0121 236 4353. We will select the winner of the £1,000 in mid December - just in time to help boost your festive celebrations!
The 100 Club has been set up by the Society to raise funds to help towards the running costs of the Gallery. Out of the money raised, £1,000 goes to the winner and the remainder helps pay for costs such as building maintenance and utility bills. The RBSA Gallery does not receive core funding and has to raise funds through a range of activities to remain open. Therefore, all 100 Club entries are greatly appreciated.
|
economics
|
http://www.communitycps.com.au/aspx/term_deposits.aspx
| 2013-06-18T06:17:55 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368706964363/warc/CC-MAIN-20130516122244-00000-ip-10-60-113-184.ec2.internal.warc.gz
| 0.950429 | 261 |
CC-MAIN-2013-20
|
webtext-fineweb__CC-MAIN-2013-20__0__31300697
|
en
|
You are here: Savings > Term Deposits
Our term deposits offer you a smarter, safer investment for your money.
We offer a Government Guarantee, and a host of features and benefits which include:
What is the Government deposit guarantee?
On 12 October 2008 the Prime Minister announced a temporary new scheme to guarantee all deposits held in credits unions, building societies and banks in Australia. The new scheme ensures that depositors with Australian credit unions, banks, and building societies will be guaranteed repayment of their funds in the extremely unlikely event that any banking institution faces stress. The guarantee is free but capped at $1 million per depositor. The scheme was a response to the global economic conditions currently being experienced in global financial markets, and is an extra confidence measure for the already strong Australian banking system.
On 10 September 2011 the Treasurer announced that the Government deposit guarantee would be made permanent but at a reduced cap of $250,000. The lower cap applies as follows:-
Full terms, conditions, fees and charges are available in our Product Guide and Fees and Charges booklets. These booklets are available upon request, can be downloaded from our website, and will be provided at the time of acquiring the product. Before acquiring the product you should consider if this product is appropriate for you.
|
economics
|
https://phuketrealhome.com/properties/new-mono-villas-pasak-2/
| 2023-12-04T15:26:40 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100531.77/warc/CC-MAIN-20231204151108-20231204181108-00619.warc.gz
| 0.838934 | 379 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__246479244
|
en
|
A new village of 17 one-storey villas will be built in a beautiful, quiet area of Cherengtaley, five minutes from Bang Tao Beach and the five-star Laguna complex. Has a mesmerizing view of the beautiful tropical mountains and palm forest. The complex consists of 17 villas with private pools. The project is an addition to the already finished complex of 38 modern villas.
The villas have a private pool with a terrace, a spacious living room combined with a fully equipped kitchen and dining group with access to the pool, three bedrooms with fitted wardrobes and en-suite bathrooms.
The complex has a fitness center, a restaurant with organic cuisine, a shuttle service, where residents can quickly reach the beach, 24-hour security and parking for cars.
Payment by installments is valid for the construction period. The project provides for a guaranteed rental program, where the owner receives an income of 6% per annum for 3 years.
unit p2: Type A 3 bedroom Land – 207.20 m2 building – 150.25 m2 price 9.900.000 THB
unit p12: Type B 3 bedroom Land – 306.00 m2 building – 207.50 m2 price 12.900.000 THB
unit p18: Type B 2 bedroom Land – 208.80 m2 building – 132.50 m2 price 8.900.000 THB
unit p19: Type B 2 bedroom Land – 208.80 m2 building – 132.50 m2 price 9.200.000 THB
unit p22: Type A 2 bedroom Land – 216 m2 building – 164 m2 price 9.600.000 THB
unit p21: Type C 1 bedroom Land – 168 m2 building – 117 m2 price 6.500.000 THB
|
economics
|
https://paperbg.com/brand/36/apli-ispania.html
| 2023-12-02T03:07:18 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100309.57/warc/CC-MAIN-20231202010506-20231202040506-00186.warc.gz
| 0.956846 | 137 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__229124208
|
en
|
APLI - Испания
APLI PAPER S.A.U. is the leading company on the Spanish market in manufacturing labels and stationery articles, with more than 65 years' experience in meeting the needs of users in the office, computer, home, shop and school environments. However, APLI is also one of the leading suppliers worldwide, currently exporting its products to more than 85 countries all over the world. Quality, innovation, excellent service and continuous improvement,are the basic pillars of our daily activity. Thanks to this philosophy, we work to meet the needs of users who are increasingly better informed, more efficient and more demanding.
|
economics
|
http://www.acton.onesuffolk.net/
| 2018-12-17T01:17:34 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376828018.77/warc/CC-MAIN-20181216234902-20181217020902-00405.warc.gz
| 0.972726 | 164 |
CC-MAIN-2018-51
|
webtext-fineweb__CC-MAIN-2018-51__0__42045690
|
en
|
The Parish Council is an important part of the structure of local democracy and has a vital role in acting on behalf of the communities they represent. The Council has a wide range of powers which essentially relate to local matters. The Parish Council also:-
The Parish Council is financed by local residents through the Precept. This is the Parish Council's share of the council tax, and is used to help improve life for the local community in many ways.
Each year the Parish Council is obliged to assess how much money is required to effectively administer the parish. This is done through a budget process where receipts and payments are considered for the forthcoming year. The Parish Council then notifies Babergh District Council of the amount of money required, which is sent to the Parish Council in two equal amounts in April and September each year.
|
economics
|
https://teeketi.com/en/shipping-information-2/
| 2023-06-06T02:11:32 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224652207.81/warc/CC-MAIN-20230606013819-20230606043819-00288.warc.gz
| 0.881032 | 411 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__255169590
|
en
|
DOMESTIC SHIPPING INFO
Shipping inside Greece is provided by Speedex or ACS Courier, with the amount of €2,91 for any t-shirt quantities +1,86 € for Cash on Delivery.
Provided that we deliver your order to the courier company, it will take 1-3 business days for each order shipped within Greece. However, if the destination is a remote area, there is a possibility of an additional delivery time of 1-2 business days.
INTERNATIONAL SHIPPING INFO
The cost of international Shipping is fixed at 8 € (without Tracking Number)* or 11€ (with Tracking Number) for any international destination**.
International packages are sent by us within 1-3 days via Hellenic Post – ELTA and are received by the customer within an estimated time range of 1-3 weeks***.
*IMPORTANT: TKT is not responsible for any delays or non-delivery of products shipped without Tracking Number, thus has no financial compensation obligation to the customer in the above mentioned cases.
**Please note that custom fees and additional charges may be applied to international customers outside the EU.
***Delays may also occur if kept in the customs offices of the country. If this happens the estimated delivery time may go up to 4-5 weeks. Contact your local customs office for more info.
|Shipping Option||Delivery Time||Cost|
|Shipping inside Greece (online payment)||1-3 Business Days (1-5 Business Days for remote areas)||2,91€ - FREE for orders over 40€|
|Shipping Inside Greece (Cash on Delivery)||1-3 Business Days (1-5 Business Days for remote areas)||4,77€ - 1,86€ for orders over 40€|
|Shipping Outside Greece (without Tracking Number)||1-3 Weeks||8,00 €|
|Shipping Outside Greece (with Tracking Number)||1-3 Weeks||11,00 €|
|
economics
|
https://www.basicfeather.com/en-eu/pages/forsendelse-retur
| 2024-04-17T20:01:38 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817171.53/warc/CC-MAIN-20240417173445-20240417203445-00565.warc.gz
| 0.959914 | 425 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__78977782
|
en
|
At Basic Feather you get free worldwide shipping at any purchase of more than 60 USD (or equivalent in your local currency).
It's incredibly important to us that it's just as easy or even easier to shop your racket online than at your local store.
That's why we offer a 30-day satisfaction guarantee on all racket purchases. Even if you've scratched the racket, changed the grip, new stringing or whatever it might be. You can read more about our satisfaction guarantee here.
Should you need to return your racket, simply do as described below:
1. Write an email to [email protected]
2. We will send you an email with a prepaid return label, which you must print and stick on the package.
3. Go down to your local post office with the package
4. Once we have received the package, we will start the return to you.
Please save the packaging until you are absolutely sure to keep the item. By doing this, you do not have to go out and find new packaging if, contrary to our expectations, you would like to return your purchase.
Would you rather exchange your item for another product or size?
Of course, we can do that too. Write an email to [email protected] and tell us what you'd like to exchange your item for. If you are unsure if there is another product you prefer, see our range here.
If you have any money receivables after exchanging a product, you are able to receive these as a refund or a gift voucher to our shop.
If you choose the pay out, the money will be credited back to the credit card used for the purchase as soon as we have received your refunded item and exchanged new one.
When returning clothes, it must be returned in the same condition in which you received them. This means that the hangtag must be attached upon return, otherwise we will unfortunately not be able to make a refund.
|
economics
|
https://sfga.info/services/virtual-currency-deposit
| 2024-04-15T03:06:01 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816939.51/warc/CC-MAIN-20240415014252-20240415044252-00141.warc.gz
| 0.839615 | 257 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__22000404
|
en
|
This page details the Cryptocurrency Deposit service included in the Basic Plan of “SF Global Account (hereafter SF account)”.
Your SF Account comes with a wallet that stores cryptocurrencies and can be accessed from multiple devices such as your PC or smartphone. As you can manage all your money and digital assets on a single interface, you can get a good idea of the status of your finances at a glance. As 2-factor authentication is required to login to your SF account, the wallet boasts a high level of security. If you feel uncomfortable about leaving your cryptocurrencies on wallets of cryptocurrency exchanges, please do use SF account which provides a high level of safety and usability.
*Using the same account, you can store your cryptocurrencies on an online hot wallet, offline (not connected to the internet) cold wallet, or access the global market and trade them.
|Asset Ticker Symbol
|
economics
|
https://wiiloaded.com/this-is-a-really-good-time-to-invest-in-real-estate-in-malaysia/
| 2023-09-23T08:58:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506480.35/warc/CC-MAIN-20230923062631-20230923092631-00106.warc.gz
| 0.937007 | 741 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__233241737
|
en
|
Malaysia is a country renowned for its incredible cuisine, rich cultural heritage, and booming urban development. It is no surprise then that over the years, it has become a hotspot for real estate investors worldwide. But with recent market fluctuations, changing regulations, and global economic turmoil, you might wonder if now is still a good time to invest in Malaysian real estate. We’re here to tell you – it absolutely is! In fact, there has never been a better time than now to seize the opportunity and stake your claim on Malaysian soil.
Here are some of the top reasons why this is an excellent time to invest in real estate in Malaysia:
1. Attractive property prices
Despite the impressive skyline and modern infrastructure found in Malaysian cities, property prices remain relatively low compared to other similarly developed countries in the region. This provides attractive entry points for both domestic and foreign investors alike.
Moreover, recent economic uncertainties have caused some cooling measures within the real estate market, which resulted in housing prices being adjusted. This means that there are even more opportunities for value buyers who can spot undervalued properties.
2. Favorable loan interest rates
In response to concerns over potential economic impacts of COVID-19, Bank Negara Malaysia has reduced the Overnight Policy Rate (OPR) four times in 2020, reaching a record low of 1.75%. As a result, Malaysian banks are offering historically low-interest rates on housing loans. This decreases financing costs for potential investors and makes owning property more affordable.
3. Expanding middle class
Malaysia’s impressive economic growth over recent decades has contributed to an expanding middle class with increasing disposable income. As such, there is a growing demand for higher-quality homes as young professionals and families look towards upgrading their living conditions. This increased demand bodes well for property investors looking to satisfy these needs by investing in residential real estate.
4. Growing tourism industry
Tourism contributes significantly to Malaysia’s economy and has experienced continual growth over recent years. With diverse travel hotspots ranging from Penang’s historic Georgetown to Langkawi’s idyllic beaches, there is no shortage of tourist attractions that appeal to both domestic and international travelers.
As tourism numbers continue to rise, so too does the demand for suitable accommodation through hotels or home-sharing services like Airbnb. Investing in properties tailored for short-term rentals can provide healthy returns as tourism continues to thrive within Malaysia.
5. Government initiatives
The Malaysian government has been putting efforts into attracting foreign direct investments (FDI) into the country’s property market. The Malaysia My Second Home (MM2H) Program is one such initiative aimed at enticing foreigners to purchase residential property within the country by offering long-term visa extensions and other perks.
Additionally, government-led projects like the construction of the new Kuala Lumpur-Singapore High-Speed Rail and expansion of public transportation networks have the potential to increase demand for real estate near these developments.
When looking at these factors collectively, it becomes clear that now is an opportune time for both aspiring and seasoned investors alike when it comes to purchasing Malaysian property. With attractive prices, unprecedented financing opportunities, burgeoning consumer demands driven by population growth, rising tourism numbers bolstered by government initiatives – who wouldn’t want a piece of this thriving market?
So whether you’re looking for capital appreciation or rental income (or perhaps even both), consider making Malaysia’s real estate market part of your investment strategy today—before others catch on—and soon enough, you’ll be reaping the unparalleled benefits that come with it!
|
economics
|
http://www.ttpinc-temp-agencies-temporary-jobs-staffing-services.com/5-benefits-telecommuting-employers-employees/
| 2017-09-20T14:44:17 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-39/segments/1505818687324.6/warc/CC-MAIN-20170920142244-20170920162244-00514.warc.gz
| 0.97011 | 599 |
CC-MAIN-2017-39
|
webtext-fineweb__CC-MAIN-2017-39__0__13098547
|
en
|
5 Benefits of Telecommuting for Employers and Employees
Many contend that telecommuting has an overwhelming number of benefits, not just for employees, but employers as well. Here are 5 ways in which telecommuting is a win/win.
One of the major misconceptions about telecommuting is that once employees are out of sight, they will slack off—big time. Nothing could be further from the truth, though. Case in point: One Stanford study that showed that call center employees actually increased their productivity by 13% when allowed to work from home. And another study from University of Texas, Austin showed that telecommuters worked 5-7 hours more than their in-office counterparts.
When employees are unhappy with their commutes, they might be more apt to call in sick—or look for another position that will allow them to work remotely and subsequently quit. Lost productivity can cost a company thousands of dollars—and that number can skyrocket when the employee actually does resign. Employees who are given the option to telecommute are reportedly much happier (73%) with their employers and their ability to telecommute than traditional office workers (64%). Being happier in their jobs means that employees are much more likely to stay in their positions, which saves a company a lot of money in the long run.
Let’s say that you’re caring for aging parents, and you need to take them for frequent doctors’ visits. By being able to work from home—and have a better work life balance—employees become happier and feel valued. In turn, that happiness turns into gratitude, causing employees to become more invested in the companies they work for—and work harder. In fact, a study from Pennsylvania State University shows that telecommuters are generally less stressed and happier than those who work in an office.
The vast majority of employees drive in to work each day. All that pollution can (and does) take a huge toll on the environment. A recent study conducted by the Consumer Electronics Association found that telecommuting saves enough energy to power one million homes in the United States for an entire year! In that way, both companies—and their workers—can greatly reduce their carbon footprint when employees work from home.
If you thought that only employees benefit financially from working from home, think again. Sure, employees will avoid added expenses that come with working in an office (such as commuting costs, or having to buy office attire and daily lunches), but employers save big bucks as well. It’s estimated that for each employee who telecommutes, a company saves about $11,000 annually.
With its numerous benefits, more and more companies are allowing their employees to work remotely. Whether it’s one day or five days a week, not only does telecommuting greatly benefit the environment, but it strengthens a company financially and creates a more invested, cohesive—and most importantly, happy—workforce.
|
economics
|
https://hurleymedleycpa.com/march-2019-weigh-the-tax-impact/
| 2023-09-28T05:08:04 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510358.68/warc/CC-MAIN-20230928031105-20230928061105-00636.warc.gz
| 0.946551 | 1,347 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__256548967
|
en
|
25 Sep March 2019Weigh the Tax Impact of Income vs. Growth When Investing
As the 2018 tax-filing season heats up, investors have much to consider. Whether you structured your portfolio to emphasize income over growth — or vice versa, or perhaps a balance of the two — will have a substantial impact on your tax liability. Let’s take a look at a couple of the most significant “big picture” issues that affect income vs. growth.
One benefit of dividends is that they may qualify for preferential long-term capital gains tax rates. For the 2018 tax year, the top rate is 20% for high-income taxpayers (income of $425,800 or more). For those with incomes between $38,601 and $425,800, the rate is 15%. Individuals with incomes of $38,600 and below pay 0% on long-term capital gains.
Keep in mind, however, that only “qualified dividends” are eligible for these rates. Nonqualified dividends are taxed as ordinary income at rates as high as 37% for 2018. Qualified dividends must meet two requirements. First, the dividends must be paid by a U.S. corporation or a qualified foreign corporation. Second, the stock must be held for at least 61 days during the 121-day period that starts 60 days before the ex-dividend date and ends 60 days after that date.
A qualified foreign corporation is one that’s organized in a U.S. possession or in a country that has a current tax treaty with the United States, or whose stock is readily tradable on an established U.S. market. The ex-dividend date is the cutoff date for declared dividends. Investors who purchase stock on or after that date won’t receive a dividend payment.
Timing is everything
One disadvantage of dividend-paying stocks (or mutual funds that invest in dividend-paying stocks) is that they accelerate taxes. Regardless of how long you hold the stock, you’ll owe taxes on dividends as they’re paid, which erodes your returns over time.
When you invest in growth stocks (or mutual funds that invest in growth stocks), you generally have greater control over the timing of the tax bite. These companies tend to reinvest their profits in the companies rather than pay them out as dividends, so taxes on the appreciation in value are deferred until you sell the stock.
Keeping an eye out
Regardless of your investment approach, you need to understand the tax implications of various investments so you can make informed decisions. You should also keep an eye on Congress. As of this writing, further tax law reform beyond the Tax Cuts and Jobs Act of 2017 isn’t on the horizon — but it’s being discussed. Contact our firm for the latest news and to discuss your tax and investment strategies.
Sidebar: What are your investment objectives?
When re-evaluating your investment portfolio, it’s important to consider whether your objectives have changed. There are many factors to consider, both tax and nontax. Some investors seek dividends because they need the current income or they believe that companies with a history of paying healthy dividends are better managed. Others prefer to defer taxes by investing in growth stocks. And, of course, there’s something to be said for a balanced portfolio that includes both income and growth investments. When preparing to file your 2018 taxes, take a moment to identify your objectives and determine if you met them or fell short.
Deducting Charitable Gifts Depends on a Variety of Factors
Whether you’re planning to claim charitable deductions on your 2018 return or make donations for 2019, be sure you know how much you’re allowed to deduct. Your deduction depends on more than just the actual amount you donate.
What you give
Among the biggest factors affecting your deduction is what you give. For example:
Cash or ordinary-income property. You may deduct the amount of gifts made by check, credit card or payroll deduction. For stocks and bonds held one year or less, inventory, and property subject to depreciation recapture, you generally may deduct only the lesser of fair market value or your tax basis.
Long-term capital gains property. You may deduct the current fair market value of appreciated stocks and bonds held for more than one year.
Tangible personal property. Your deduction depends on the situation. If the property isn’t related to the charity’s tax-exempt function (such as a painting donated for a charity auction), your deduction is limited to your basis. But if the property is related to the charity’s tax-exempt function (such as a painting donated to a museum for its collection), you can deduct the fair market value.
Vehicle. Unless the vehicle is being used by the charity, you generally may deduct only the amount the charity receives when it sells the vehicle.
Use of property or provision of services. Examples include use of a vacation home and a loan of artwork. Generally, you receive no deduction because it isn’t considered a completed gift. When providing services, you may deduct only your out-of-pocket expenses, not the fair market value of your services. You can deduct 14 cents per charitable mile driven.
First, you’ll benefit from the charitable deduction only if you itemize deductions rather than claim the standard deduction. Also, your annual charitable deductions may be reduced if they exceed certain income-based limits.
In addition, your deduction generally must be reduced by the value of any benefit received from the charity. Finally, various substantiation requirements apply, and the charity must be eligible to receive tax-deductible contributions.
For 2018 through 2025, the Tax Cuts and Jobs Act nearly doubles the standard deduction – plus, it limits or eliminates some common itemized deductions. As a result, you may no longer have enough itemized deductions to exceed the standard deduction, in which case your charitable donations won’t save you tax.
You might be able to preserve your charitable deduction by “bunching” donations into alternating years, so that you’ll exceed the standard deduction and can claim a charitable deduction (and other itemized deductions) every other year.
The years ahead
Your charitable giving strategy may need to change in light of tax law reform or other factors. Let us know if you have questions about how much you can deduct on your 2018 return or what’s best to do in the years ahead.
|
economics
|
http://equop.ulb.ac.be/news
| 2018-03-25T01:12:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-13/segments/1521257651481.98/warc/CC-MAIN-20180325005509-20180325025509-00491.warc.gz
| 0.967905 | 346 |
CC-MAIN-2018-13
|
webtext-fineweb__CC-MAIN-2018-13__0__210092257
|
en
|
In a statement on 7 November 2014 Flemish Minister of Education Hilde Crevits (christian democratic party) announced she would change the policy for school financing, making allocation of funding less dependent on socio-economic characteristics of the student population. The Minister does not want to change the policy which allocates more teaching staff to schools with a higher proportion of disfavoured children (measured through indicators such as highest educational degree of the mother and language spoken at home), but she does want to change the system for basic financing of schools in order to "in the future allocate the same amount of money to each child". Although the details of this policy change remain unclear and would depend on the outcomes of a budgettary check and a scientific evaluation, the intention is clearly formulated in the Flemish government agreement and reiterated by the Minister in her statement that the current differentiated basic financing of schools (which partially takes into account characteristics of pupils in budget allocation) would be abolished. The end goal, "allocating the same amount of money to each child in all schools", boils down to giving less money to schools with a higher proportion of disfavoured children. Several policy actors on the local level (the aldermen for education of the cities of Ghent and Antwerp), the "organizing powers" (the bodies running the schools), politicians and educational scientists have raised objections and sometimes fierce criticism. Former Minister of Education Frank Vandenbroucke (socialist party), who had introduced differential financing of schools a decade before, had already published an open letter (weeks before the public announcement by Minister Crevits) to warn against the policy change announced in the Flemish government agreement.
|
economics
|
http://jaynescraftycorner.blogspot.com/p/join-my-team.html
| 2018-07-18T19:58:05 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676590329.25/warc/CC-MAIN-20180718193656-20180718213656-00188.warc.gz
| 0.959146 | 571 |
CC-MAIN-2018-30
|
webtext-fineweb__CC-MAIN-2018-30__0__238278587
|
en
|
Have you ever wondered how to become a Stampin' Up demonstrator in the UK?
Well, it's easy! All you do is purchase the Starter Kit! This costs only £99 and is valued at more than £130 with £35 business pack free.
The kit is fully customisable so it can fit in with you, perfect!
Once you've bought your kit you will have Active Demonstrator status which entitles you to:
- A massive 30% discount on your first order if you spend £150 or more in the first 45 days of becoming a demonstrator
- 20% discount on the rest of your orders
- Access to the demonstrator website with all its fantastic resources
- Opportunities to earn free stamp sets and cash awards in your first 6 months
- Previews of new products and catalogues
- The opportunity to attend monthly, quarterly and regional training events
- Invitations to demonstrator-only promotions and events - including the annual convention (held at Disneyland Paris this year!, and in Germany in 2012)
- The opportunity to earn luxury, all-expenses-paid trips
In order to keep your Active Demonstrator status, you will need to make minimum sales of £225 net per quarter (which works out at £90 a month including VAT.) Some people cover this with their own orders, with occasional orders from friends and family. Some take it a step further by setting up classes and workshops and increasing orders that way, while others make Stampin' Up a full-time career focus.
People join Stampin' Up for many different reasons. What kind of demonstrator would you be?
- Discount demonstrator: Buys discounted stamps and supplies for personal use and occasionally sells to family and friends.
- Short-term demonstrator: Works to earn a specific amount of money and stops when the goal is reached.
- Hobby demonstrator: Enjoys running workshops and classes and earning extra money when it's convenient; works a lot some months and very little or not at all at other times.
- Seasonal demonstrator: Works hard running workshops during September, October and November and maintains minimal sales during the rest of the year.
- Stay-at-home mum demonstrator: Runs her business around her family commitments, doing workshops a few nights a month to make extra money.
- Career demonstrator: Views Stampin' Up as a viable business with long-term career potential; is ambitious to move up the career ladder and works consistently at her business.
There are any number of ways to make being a demonstrator work for you - Stampin' Up is as individual as you are!
If this is something which interests you don't hesitate to contact me to discuss further at [email protected]
|
economics
|
https://theblacksheepagency.com/bcorp/
| 2019-10-17T16:22:51 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986675409.61/warc/CC-MAIN-20191017145741-20191017173241-00493.warc.gz
| 0.972709 | 183 |
CC-MAIN-2019-43
|
webtext-fineweb__CC-MAIN-2019-43__0__101522324
|
en
|
The world is changing, and soon, corporate social responsibility is going to be a non-negotiable. In fact, it already is. The rising generations are not only socially conscious, but socially demanding—they want to work for, buy from, or interact with organizations that exemplify their values, and they are pushing for purpose. Real purpose. So, how are you working to #GivePurposePurpose?
For seven years, The Black Sheep agency has put making an impact for our clients and ourselves front and center. In 2014, we doubled down on our community-based work, made the leap to become a completely cause-driven agency. As of July 2016, we proudly announced our status as a certified B Corp. After meeting the rigorous criteria, we’re excited to join the ranks of over 1,800 other businesses that care as much as we do about making a difference.
|
economics
|
https://stelterr.com/products/stelterr-welcomes-tennsco-and-metalware/
| 2023-06-10T06:58:07 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224657144.94/warc/CC-MAIN-20230610062920-20230610092920-00128.warc.gz
| 0.840938 | 176 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__305372949
|
en
|
Stelterr Factory Direct is proud to announce that we have reached an agreement to stock and offer Tennsco and Metalware products in Canada. These new partnerships offer Stelterr’s dealer network and customers a broader mix of high quality products for storage in commercial and industrial applications.
In partnership with Tennsco, Stelterr now offers:
- L&T File Shelving
- Tennsco Industrial and Commercial Shelving
- Tennsco Office Products
- File Cabinets
- Storage Cabinets
- Specialty Cabinets
In partnership with Metalware, Stelterr now offers:
- Interlock Shelving
- Widespan Shelving
For brochures, specifications and price lists, and other updates please use your dealer login or contact us.
|
economics
|
https://drivern.com/co-op
| 2024-03-04T22:15:29 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476532.70/warc/CC-MAIN-20240304200958-20240304230958-00284.warc.gz
| 0.959753 | 1,196 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__78515826
|
en
|
On December 21, 1843, a small group of men and women joined together to open the Rochdale Pioneer Society. This became the first “modern-era” cooperative in the English speaking world. The cooperative was based on simple principles: provide quality goods and services at a reasonable price and provide a decent place of employment. Since then, cooperatives have blossomed to include every aspect of human enterprise. Today, the cooperative model includes financial institutions and insurance (credit unions and mutuals), consumer cooperatives, producer cooperatives, housing cooperatives, and worker cooperatives. While the services and goods provided by cooperatives and credit unions are as divergent as the people using and providing them, all cooperatives and credit unions are bound by a single identity. Simply put, cooperatives are democratically controlled enterprises. They operate on the basis of “one-member, one-vote” instead of “one share, one vote”. We present the following resources for those who would like to learn more about cooperatives, who are considering starting a cooperative or who would like to strengthen their existing cooperative.
WHAT IS A CO-OP?
In 1843, the Rochdale Pioneers set forth a statement of principles. These became known as the Rochdale Principles. Over the years, they have been amended several times by succeeding generations. In 1995, the International Cooperative Alliance (ICA) voted to add a list of values, ethics and a definition. In addition to the Statement on Cooperative Identity (re-posted below), in 2005, the ICA General Assembly also approved the World Declaration on Worker Cooperatives. This declaration attempts to further define the unique nature of worker ownership. To read this declaration, either hit the link above to download a PDF version or go to the CICOPA web site .
THE STATEMENT ON THE COOPERATIVE IDENTITY
A cooperative is an autonomous association of persons united voluntarily to meet their common economic, social, and cultural needs and aspirations through a jointly-owned and democratically-controlled enterprise.
Cooperatives are based on the values of self-help, self-responsibility, democracy, equality, equity and solidarity. In the tradition of their founders, cooperative members believe in the ethical values of honesty, openness, social responsibility and caring for others.
The cooperative principles are guidelines by which Cooperatives put their values into practice.
1st Principle: Voluntary and Open Membership
Cooperatives are voluntary organizations, open to all persons able to use their services and willing to accept the responsibilities of membership–without gender, social, racial, political or religious discrimination.
2nd Principle: Democratic Member Control
Cooperatives are democratic organizations controlled by their members, who actively participate in setting their policies and making decisions. Individuals serve as elected representatives and are accountable to the members. In primary Cooperatives, members have equal voting rights (one member, one vote) and cooperatives at other levels are also organized in a democratic manner.
3rd Principle: Member Economic Participation
Members contribute equitably to, and democratically control, the capital of their cooperative. At least part of that capital is usually the common property of the cooperative. Members usually receive limited compensation, if any, on capital subscribed as a condition of membership. Members allocated surpluses for any or all of the following purposes: developing their cooperative, possibly by setting up reserves, part of which at least would be indivisible; benefiting members in proportion to their transactions with the cooperative; and supporting other activities approved by the membership.
4th Principle: Autonomy and Independence
Cooperatives are autonomous, self-help organizations controlled by their members. If they enter into agreements with other organizations, including governments, or raise capital from external sources, they do so on terms that ensure democratic control by their members and maintain their cooperative autonomy.
5th Principle: Education, Training and Information
Cooperatives provide education and training for their members, elected representatives, managers, and employees so they can contribute effectively to the development of their Cooperatives. They inform the general public–particularly young people and opinion leaders– about the nature and benefits of co-operation.
6th Principle: Co-operations Among Cooperatives
Cooperatives serve their members most effectively and strengthen the cooperative movement by working together through local, national, regional and international structures.
7th Principle: Concern for Community
Cooperatives work for the sustainable development of their communities through policies approved by their members.
Doing It Better, Together
At a worker co-op, you will be talking to someone who is invested in the quality of their service, the quality of their product, and ultimately the quality of the business as a whole.
Invest in the Community
Co-op workers tend to live in the community they work in, so they are more likely to understand and invest in the needs of the community.
Efficient from the Ground Up
Businesses run by single owners or absentee boards tend to come up with strategies that make sense only in the short term. Businesses run by people who work there adopt practices that make long term sense.
Built with Values
Whereas the bottom line for a traditional business is making money for the owner, worker co-ops are communities of people who have come together for a common goal. Sustaining their business financially is one goal, but almost never the only one.
Strong Local Economies
Because the workers who operate the business own it, there is no outside entity to take the profits and spend it elsewhere. Most money spent at a worker-owned business will stay in your local community.
Democracy All Day
Many of us spend the majority of our waking hours in a workplace. No matter how democratic our political system becomes, if our workplaces are private dictatorships, we will never be free.
Credit - UNIONCABS
|
economics
|
http://www.thorneinc.com/grand-prairie-tx-title-insurance
| 2018-01-16T22:58:13 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084886758.34/warc/CC-MAIN-20180116224019-20180117004019-00634.warc.gz
| 0.945308 | 369 |
CC-MAIN-2018-05
|
webtext-fineweb__CC-MAIN-2018-05__0__209159222
|
en
|
Grand Prairie, TX Title Insurance
Federal Title, Inc. acquired the assets of Title Texas on December 6th, 2006. Prior to this, the organization dates back to 1978, at that time being Safeco Land Title of Dallas, one of the premier title insurance agents in the metroplex.
Federal Title, Inc. is currently in the top twelve title companies in the metroplex according to the Dallas Business Journal and has the unique benefit of being a privately held company with the ability to make decisions locally. Among the executive team, the individuals at the helm of the company all have national experience and have been with the largest companies in the United States, but have opted to build a company with customer and employee values and concerns in mind. This combination gives Federal Title an advantage over our competitors locally and nationally when it comes to serving its clients.
Federal Title, Inc. can provide real estate closing and insurance in Texas, including Dallas, Collin, Denton, Tarrant and Ellis Counties. Federal Title is an issuing agent for Title Resources Guaranty Company and Lawyers Title Insurance Company, and is able to provide in excess of $230,000,000 in statutory single risk title insurance coverage.
Through its underwriter relationships, Federal Title, Inc. can also provide title delivery on a national level, tax certificates, flood certification, appraisals, AVM's, credit reporting, processing and document storage. And, its deep roots in Texas make obtaining title evidence in even the most remote county possible. Remember, we speak Texas!
Federal Title, a proud Texas Corporation here to customize service for you.
Federal Title, Inc. is a wholly owned subsidiary of Heartland Security Insurance Group (HSIG), a diversified holding company with independent operating units involved in insurance risk and management services.
Frequently Asked Questions
|
economics
|
http://kmtire.com/
| 2014-07-30T15:09:32 |
s3://commoncrawl/crawl-data/CC-MAIN-2014-23/segments/1406510270577.0/warc/CC-MAIN-20140728011750-00118-ip-10-146-231-18.ec2.internal.warc.gz
| 0.964822 | 293 |
CC-MAIN-2014-23
|
webtext-fineweb__CC-MAIN-2014-23__0__68971567
|
en
|
» K&M Tire – Eye on the Future
K&M Tire has always focused on continuous growth and improvement. Our quality customer service and passion for excellence has driven our success in multiple avenues. We continue to expand in select markets throughout the Midwest with plans to increase the overall number of locations.
Our primary goal is to provide superior customer service and value products that allow our dealers to be competitive in their marketplace. At K&M Tire we feel that our family of dealers, of over 5,000 strong, drives us to be better than our competitors, and continue to be at the forefront of the tire industry in programs and services. We are only successful when our dealers are successful.
Here at K&M Tire, we always make the customer the most important person in our business.
K&M Tire started out humbly as a two-bay gas station in 1970 selling gas at only $.30 a gallon. Over the years, through hard work and excellent customer service, K&M Tire has grown into the company it is today. With 15 locations now, serving customers in over 20 states, K&M Tire continues to offer quality service, diversified product lines, and beneficial programs to our customers.
K&M Tire has a team of sales professionals with years of experience backed up by a first-class support staff. We are committed to making your business transactions with K&M Tire as carefree and enjoyable as possible.
|
economics
|
http://www.chesterfield.gov.uk/Benefits-49.html
| 2016-02-12T03:44:13 |
s3://commoncrawl/crawl-data/CC-MAIN-2016-07/segments/1454701163421.31/warc/CC-MAIN-20160205193923-00037-ip-10-236-182-209.ec2.internal.warc.gz
| 0.944838 | 658 |
CC-MAIN-2016-07
|
webtext-fineweb__CC-MAIN-2016-07__0__135433490
|
en
|
How to use this section
Click on the links below or alternatively use the menu on the left for more information about benefits.
- What is Housing and Council Tax Support?
- I am a single adult but my income is too high to qualify for Council Tax Support
- What are non-dependant deductions?
- Deductions from 1 April 2013
What is Housing and Council Tax Support?
Housing Benefit is a benefit that helps you to pay your rent if you have a low income. Council Tax Support is help towards paying your Council Tax charge. They are both administered by Chesterfield Borough Council. Housing Benefit is administered on behalf of the Department for Work and Pensions. Most people who have a liability for rent or Council Tax can claim, although your age or circumstances may affect how much help you can get. Whatever income you receive will be taken into account to see if you qualify. We also need to know who else lives in your property. Find out how to claim Housing and Council Tax Support.
I am a single adult, of qualifying age for Pension Credit, but my income is too high to qualify for Council Tax Support
Even if you do not qualify for Council Tax Support you may still be able to have your Council Tax charge reduced.
If you are single, of qualifying age for Pension Credit, but have other adults living with you who have low incomes, your Council Tax charge could be reduced by claiming Second Adult Rebate. We will need proof of the income of all the other adults in your property. Contact the Benefits Section to find out how to claim.
If you are the only adult over 18 in your property, your charge could be reduced by 25%. You need to contact the Council Tax Billing section.
Read more about Council Tax discounts.
What are non-dependant deductions?
The amount of benefit you get will be reduced if you have someone living with you who is not dependant on you. This is called a non-dependant deduction. We will not reduce your benefit by this amount if you are registered blind or get Attendance Allowance, the care component of Disability Living Allowance or the daily living component of Personal Independence Payment. We need you to tell us if these circumstances apply to you. Are we making a deduction for a non-dependant living with you when we shouldn’t?
Deductions from 1 April 2013
Deduction from Housing Benefit £
Deduction from Council Tax Support £
|Aged under 18 years, or on Income Support/JSA(IB) / ESA(IR, assessment phase) and aged under 25, or on a YTS or getting Pension Credit|
|On Income Support / JSA (IB) / ESA(IR, main phase) and 25 or over|
|Aged 18 or over, not working or working fewer than 16 hours each week |
|Aged 18 or over and working 16 hours or more each week with weekly gross income:|
|Less than £126.00|
|£401.00 or more |
The figures given above are applicable to cases where rent is paid 52 weeks per year. The figures will vary if "rent free" weeks are applicable.
|
economics
|
https://moinhat24.com/traversing-enchanting-routes-of-land-and-sea-exploring-the-pathways-of-the-ocean/
| 2023-09-28T07:47:28 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510368.33/warc/CC-MAIN-20230928063033-20230928093033-00539.warc.gz
| 0.926257 | 413 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__240669715
|
en
|
Sea routes, the vast network of navigable waters, have been instrumental in shaping global trade, exploration, and cultural exchange for centuries. These maritime pathways have connected continents, enabled the movement of goods and people, and played a pivotal role in the development of civilizations across the world.
Since ancient times, sea routes have been used for exploration and trade. The Phoenicians, Greeks, and later the Europeans embarked on daring voyages, seeking new lands, resources, and trade opportunities. These maritime endeavors not only expanded geographical knowledge but also facilitated the exchange of goods, ideas, and cultures between distant civilizations.
One of the most significant sea routes in history is the Silk Road Maritime Route, also known as the Maritime Silk Road. This ancient trade route connected Asia, Africa, and Europe, enabling the exchange of silk, spices, precious metals, and other valuable commodities. The Maritime Silk Road played a crucial role in promoting economic growth, cultural exchange, and technological advancements across multiple regions.
Sea routes have also played a vital role in the colonization and expansion of empires. European powers, such as Spain, Portugal, the Netherlands, and Britain, established maritime trade routes to connect their colonies and extract resources. The Age of Exploration witnessed the opening of new sea routes, such as the Columbus’ route to the Americas and Vasco da Gama’s route to India, forever altering the course of history.
In the modern era, sea routes continue to be the backbone of global trade. Around 90% of the world’s goods are transported by sea, as large cargo ships navigate established shipping lanes to deliver commodities to various ports worldwide. These routes connect manufacturing hubs with consumer markets, enabling the flow of goods on a massive scale.
The strategic importance of sea routes cannot be underestimated. Control over key maritime chokepoints, such as the Strait of Malacca, the Suez Canal, and the Panama Canal, provides nations with significant geopolitical advantages. These vital sea routes allow for the efficient movement of goods between regions, ensuring global economic stability.
|
economics
|
https://www.nmc20.org.uk/whos-who/isaac-ankomah.html
| 2024-04-17T12:39:23 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817153.39/warc/CC-MAIN-20240417110701-20240417140701-00851.warc.gz
| 0.972505 | 118 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__150245302
|
en
|
Isaac is an assistant treasurer and is currently a Trustee and of Stratford Methodist Church. He has over 20 years experience in working in finance department for various organisations. He is part qualified ACCA accountant at the final level and holds a Post Graduate Diploma in Professional Accounting from East London University. He has been providing a massive support to the church and the circuit with his experience. Isaac is passionate about transparency in presenting financial information to trustees. He has created financial policies and procedures for churches in the circuit.
He is always assisting treasurers in the circuit to follow robust finance systems.
|
economics
|
http://www.startaplayschool.in/category/daycare
| 2019-11-19T04:31:12 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-47/segments/1573496670006.89/warc/CC-MAIN-20191119042928-20191119070928-00279.warc.gz
| 0.975959 | 566 |
CC-MAIN-2019-47
|
webtext-fineweb__CC-MAIN-2019-47__0__145032303
|
en
|
Running a preschool business has a great potential in India and is worth of crores of rupees. A preschool business can be started by opting to franchise for a preschool brand or you can open a preschool as well. You need to study the preschool franchise opportunities in India and analyze the preschool franchise cost The franchise option seems lucrative and the one with fewer efforts, however, in the long run, having your own preschool has its own advantages in terms of monetary gains and fame.
In India, more emphasis is being given to education and quality preschool education is highly emphasized. Increasing urbanization and the increase in the number of working couples has led to the rise in demand of good preschools and day care centers. However, as parents are ready to invest on the schooling, they also expect the best for their kids. Hence you need to understand how to set up a preschool with proper planning and management.
A preschool has certain set of requirements. Some of them are basic and mandatory while others are add-on features that make your school more popular. Selecting the correct location is the first and most important requirement.
Parents expect spacious schools that will provide scope for play and extracurricular activities. Similarly, the neighborhood should provide the prospects for admissions too. Hence, selecting the correct location is of prime importance. Apart from the space, the student ratio and the student teacher ratio also needs to convince the parents that the child will receive dedicated attention and care. You need to research these ratios in the existing preschools around you.
Parents are proactive and wish to know the details of the teaching methodologies and curriculum. They are also keen on the overall development of the kid and insist on regular communication between the school and parents. You need to have provisions within the curriculum for all these issues.
As parents are ready to invest on the fee structure, they also expect the best of infrastructure facilities for the kids. You have to invest in a considerable capital that ensures quality and comfort for the kids. The teachers and non teaching staff are expected to be trained in early education and should know how to deal with emergency and other issues. If you have a day care, then parents demand for extracurricular activities in the day care curriculum too.
Several well known and established preschool brands are springing up with their network in major cities and small towns as well. As parents are willing to invest time and money for the kids, they easily tend to prefer established brands.
Therefore, to compete with these schools, you need to have a winning edge in all the aspects and also need to market your brand. Once you are recognized, your preschool business will know no bounds. We are education consultants and we help in designing and developing a preschool business plan. We help you understand the preschool requirements in India and set your own preschool.
|
economics
|
http://www.westsidehomefinder.com/2012/09/20/housing-recovery-blossoms/
| 2013-05-24T09:32:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368704433753/warc/CC-MAIN-20130516114033-00069-ip-10-60-113-184.ec2.internal.warc.gz
| 0.941033 | 227 |
CC-MAIN-2013-20
|
webtext-fineweb__CC-MAIN-2013-20__0__59239648
|
en
|
NEW YORK (CNNMoney) — The U.S. housing industry — crucial to any jobs recovery — showed more signs of strength, according to two reports issued Wednesday.
The Census Bureau said housing starts and permits rose substantially in August. Separately, sales of previously occupied homes climbed 7.8% from a year ago, according to the National Association of Realtors.
Builders started on new homes at an annual rate of 750,000, up 29.1% compared with a year earlier. They applied to build another 803,000 new homes on an annual basis, a 24.5% jump compared with August 2011.
Home builders have become increasingly bullish — a confidence index from the National Association of Home Builders reached its highest level since June 2006.
Even after recent gains, housing starts lag well behind the peak set in May 2005, when the pace of building hit more than 2 million homes.
from CNNMoney http://money.cnn.com/2012/09/19/real_estate/home-construction/index.html?hpt=hp_t1
|
economics
|
https://docs.gnoswap.io/
| 2024-04-13T11:56:00 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816734.69/warc/CC-MAIN-20240413114018-20240413144018-00511.warc.gz
| 0.901127 | 470 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__133485806
|
en
|
Gnoswap is the first decentralized exchange (DEX) built using Gnolang – an interpreted variation of the widely-used Go programming language (Golang) that powers the Gnoland blockchain ecosystem. As an automated market maker (AMM) protocol, Gnoswap features an innovative concentrated liquidity mechanism. This mechanism empowers Gnoswap to offer deeper liquidity for trading pairs, resulting in lower slippage and better trading prices for traders, while also generating more fees for liquidity providers.
Enter the most user-friendly and simple decentralized finance (DeFi) experience where you can seamlessly swap and earn on the most capital-efficient liquidity layer of Gnoland.
For traders, Gnoswap provides a quality trading experience powered by the performance it inherits from Gnoland and a trader-centric interface designed to deliver valuable insights into the market. Furthermore, Gnoswap offers an opportunity to become the earliest adopter of aspiring projects building on Gnoland, which we believe has the potential to become one of the most widely adopted smart contracts platforms in the world with its developer-oriented design philosophy. Lastly, Gnoswap is built with interoperability in mind to remove any friction involved in exchanging bridged tokens from external ecosystems.
For liquidity providers, the concentrated liquidity mechanism of Gnoswap enhances the capital efficiency of tokens in pools to amplify their earnings with higher trading fee rewards. Gnoswap introduces a novel liquidity mining model that incorporates warm-up periods, a concept for rewarding long-term position stakers for their staking commitment, while also offering flexibility to unstake their positions at any time to adjust price range for higher concentration. As a whole, Gnoswap emerges as the optimal platform for liquidity providers to maximize the potential of their capital.
For dApps, Gnoswap is a non-custodial and secure liquidity infrastructure powered by the secure Gnolang, devoid of a single point of failure risks of centralized exchanges. Deployment of liquidity pools is permissionless on Gnoswap to allow any project to provide its community with a place to trade tokens instantly upon launch. The interactive airdrop platform of Gnoswap also allows nascent teams to build a strong potential user base while gaining full exposure across the Gnoland ecosystem.
|
economics
|
http://www.thecoalition.us/programs/first-american-education-finance/
| 2017-04-28T08:19:06 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917122886.86/warc/CC-MAIN-20170423031202-00048-ip-10-145-167-34.ec2.internal.warc.gz
| 0.922659 | 171 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__102627358
|
en
|
First American Education Finance is a financial services company dedicated to serving the needs of the education community. We provide customized solutions to help schools deliver the best education possible to their students. Our unique financing solutions help over 500 schools nationwide solve challenges from complex campus projects to equipment management – all through a simple and transparent experience.Partnering with schools to provide the resources needed to succeed.
Visit the First American Website
School Success Stories
Watch FAEF School Success Story videos to see how we have helped schools like yours.
Peer Discussion Events
Sharing new speakers and perspectives with FAEF's colleagues in education.
Customer Connect - A Lease Finance Tool as Unique as Your School
Customer Connect is free for Coalition members' schools.
Customizing finance solutions for your school.
Five Trends Influencing Campus Project Financing
Issued September 2016
|
economics
|
https://www.payslip.co.za/blog/view/the-basic-conditions-of-employment-act-section-33-stipulates-what-must-be-on-a-payslip/87
| 2020-09-20T20:49:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400198652.6/warc/CC-MAIN-20200920192131-20200920222131-00233.warc.gz
| 0.942378 | 316 |
CC-MAIN-2020-40
|
webtext-fineweb__CC-MAIN-2020-40__0__80562466
|
en
|
The Basic Conditions of Employment Act (section 33) stipulates what must be on a Payslip:
(1) An employer must give an employee the following information in writing on each day the employee is paid:
(a) The employer’s name and address;
(b) the employee’s name and occupation;
(c) the period for which the payment is made;
(d) the employee’s remuneration in money;
(e) the amount and purpose of any deduction made from the remuneration;
(f) the actual amount paid to the employee; and
(g) if relevant to the calculation of that employee’s remuneration—
(i) the employee’s rate of remuneration and overtime rate;
(ii) the number of ordinary and overtime hours worked by the employee during the period for which the payment is made;
(iii) the number of hours worked by the employee on a Sunday or public holiday during that period; and
(iv) if an agreement to average working time has been concluded in terms of section 12, the total number of ordinary and overtime hours worked by the employee in the period of averaging.
(2) The written information required in terms of subsection (1) must be given to each
(a) at the workplace or at a place agreed to by the employee; and
(b) during the employee’s ordinary working hours or within 15 minutes of the commencement or conclusion of those hours.
|
economics
|
https://gses.snu.ac.kr/people/faculty/1
| 2023-12-07T19:13:37 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100686.78/warc/CC-MAIN-20231207185656-20231207215656-00714.warc.gz
| 0.761673 | 1,409 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__17337993
|
en
|
인구주거학, 주택/도시 경제학, 정책 분석, 공간 변화, 커뮤니티 개발, 사회 불평등
2017.05서던캘리포니아대학교 공공정책대학원 도시계획 및 개발학 박사
2012.05서던캘리포니아대학교 공공정책대학원 도시계획학 석사
2010.02서울대학교 공과대학 건설환경공학부 석사
2008.02서울대학교 공과대학 지구환경시스템공학부 학사
2023.08-현재서울대학교 환경대학원 환경계획학과 조교수
2019.08-2023.07버지니아공과대학교 주거환경학과 조교수
2017.07-2019.06하버드대학교 주택연구센터 박사후과정
▪Lee, Hyojung, and Kristin L. Perkins. 2023. “The Geography of Gentrification and Residential Mobility.” Social Forces, 101(4): 1856–1887.
▪Ding, Lei, Hyojung Lee, and Raphael W. Bostic. 2022. “Effects of the Community Reinvestment Act on Small Business Lending.” Journal of Urban Affairs, 44(9): 1224–1243.
▪Lee, Kwan Ok, and Hyojung Lee. 2022. “Public Responses to COVID-19 Case Disclosure and Their Spatial Implications.” Journal of Regional Science, 62(3): 732-756.
▪Lee, Hyojung. 2022. “Are Millennials Leaving Town? Reconciling Peak Millennials and Youthification Hypotheses.” International Journal of Urban Sciences, 26(1): 68-86.
▪Lee, Hyojung. 2020. “Are Millennials Coming to Town? Residential Location Choice of Young Adults.” Urban Affairs Review 56 (2): 565–604.
▪Lee, Hyojung, and Raphael W. Bostic. 2020. “Bank Adaptation to Neighborhood Change: Mortgage Lending and the Community Reinvestment Act.” Journal of Urban Economics 116 (March): 103211.
▪Lee, Hyojung, Dowell Myers, Gary Painter, Johanna Thunell, and Julie Zissimopoulos. 2020. “The Role of Parental Financial Assistance in the Transition to Homeownership by Young Adults.” Journal of Housing Economics 47 (March): 101597.
▪Myers, Dowell, Hyojung Lee, and Patrick Simmons. 2020. “Cohort Insights into Recovery of Millennial Homeownership after the Great Recession.” Journal of Housing Economics 47 (March): 101619.
▪Myers, Dowell, Gary D. Painter, Julie Zissimopoulos, Hyojung Lee, and Johanna Thunell. 2019. “Simulating the Change in Young Adult Homeownership Through 2035: Effects of Growing Diversity and Rising Educational Attainment.” Housing Policy Debate, 29(1): 126–142.
▪Currid-Halkett, Elizabeth, Hyojung Lee, and Gary D. Painter. 2019. “Veblen Goods and Urban Distinction: The Economic Geography of Conspicuous Consumption.” Journal of Regional Science, 59(1): 83–117.
▪Green, Richard K., and Hyojung Lee. 2016. “Age, Demographics, and the Demand for Housing, Revisited.” Regional Science and Urban Economics, 61: 86–98.
▪Lee, Hyojung, and Gary D. Painter. 2016. “Consumption Inequality in the Great Recession.” Journal of Economic and Social Measurement, 41(2): 145–166.
▪Housing Shortages and Key Linkages to Broader Housing Problems and Solutions, University of Southern California
▪The Role of Metropolitan Characteristics in Cohort Transition into Home Ownership, University of Southern California
▪Pandemic and cities: Smart management, resilience and adaptation in Seoul and Singapore, Ministry of Education of Singapore
▪Cohort Behavior of Millennials in the Housing Recovery, Federal National Mortgage Association
▪Estimated Impacts of Parental Assistance, Wealth, and Family Background on Homeownership of Young Adults, Federal National Mortgage Association
▪Diverted Homeowners, the Rental Crisis and Foregone Household Formation, Research Institute for Housing America of the Mortgage Bankers Association
▪Veblen Goods and Metropolitan Distinction, USC Lusk Center for Real Estate
▪Demographic Change and Future Urban Development, Lincoln Institute of Land Policy
▪Demographics of Recovery in Post-Crash Los Angeles, John Randolph Haynes and Dora Haynes Foundation
▪Studying Demographic Migration, First 5 Los Angeles
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economics
|
http://ldvp.com/our-companies-item/kilopass/
| 2018-05-23T16:55:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794865691.44/warc/CC-MAIN-20180523161206-20180523181206-00205.warc.gz
| 0.858939 | 142 |
CC-MAIN-2018-22
|
webtext-fineweb__CC-MAIN-2018-22__0__116765699
|
en
|
Kilopass leads the industry in high density Logic non-volatile memory (NVM) technology on advanced CMOS process technologies by delivering highly reliable, secure and cost-effective logic NVM solutions for System-on-Chip (SoC) applications. Kilopass’ NVM can be found in billions of mobile devices and laptops throughout the world. Kilopass’ DRAM and SRAM technologies disrupt the economics, performance and fab utilization of these ubiquitous and vital memories. Kilopass licenses its technologies to the leading manufacturers of semiconductor chips, such as Samsung, Hynix, SMIC and TSMC.
CEO: Charlie Cheng
Company Headquarters: San Jose, CA
|
economics
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https://marknguyeninsurance.com/insurance/business
| 2023-03-31T18:50:39 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296949678.39/warc/CC-MAIN-20230331175950-20230331205950-00122.warc.gz
| 0.96482 | 217 |
CC-MAIN-2023-14
|
webtext-fineweb__CC-MAIN-2023-14__0__193751966
|
en
|
Business Insurance in and around Portland
Cost effective insurance for your business.
Small business owners like you have a lot of responsibility. From HR supervisor to tech support, you do as much as possible each day to make your business a success. Are you a fence contractor, a surveyor, or a sporting goods store? Do you own an advertising agency, a dance school, or a meat or seafood market? Whatever you do, State Farm has small business insurance to cover it.
COVER YOUR BUSINESS ASSETS
The passion you have to serve your customers is a great foundation. When you add business insurance from State Farm, you can be ready for the challenges ahead. That’s why entrepreneurs and business owners turn to State Farm Agent Mark Nguyen. With an agent like Mark Nguyen, your coverage can include great options, such as worker’s compensation, artisan and service contractors, and business owners policies. Let's talk business! Call Mark Nguyen today to learn why State Farm has been rated one of the top overall choices for insurance coverage by small businesses like yours.
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economics
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http://www.dangote-cement.net/Senegal.php
| 2013-05-19T11:43:53 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368697442043/warc/CC-MAIN-20130516094402-00014-ip-10-60-113-184.ec2.internal.warc.gz
| 0.941349 | 204 |
CC-MAIN-2013-20
|
webtext-fineweb__CC-MAIN-2013-20__0__134826486
|
en
|
Senegal, with a population of about 16 million, is one of the fastest growing economies, with high demand to meet housing needs. The country has all the raw materials to produce enough cement and export to other continents. Senegal has cement production of 2.5 MTPA as against the local demand of 3 million tonnes per annum. Dangote Cement is setting up a 1.5 MTPA Green Field Cement Plant at Senegal which is heading for timely commissioning in Q4 of 2012. Dangote’s investment is one of the biggest foreign direct investments by an African company in Senegal which is an indication of its strong belief in the future growth of the African economy. The investment marks a significant milestone in the Senegalese quest to be self-sufficient in cement production. Dangote Cement when commissioned will provide direct employment opportunities for 1,500 and indirect employment opportunities for 7,000 and will also complement the Senegal government’s efforts in stimulating economic growth and creating jobs.
|
economics
|
https://sayt-sozdat.ru/compliance-obligations-for-emi-license-holders-in-the-czech-republic/
| 2023-10-01T19:55:39 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510924.74/warc/CC-MAIN-20231001173415-20231001203415-00062.warc.gz
| 0.877363 | 413 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__300191171
|
en
|
Operating as an Electronic Money Institution (EMI) License holder in the Czech Republic requires strict adherence to compliance obligations. In this article, we will discuss the key regulatory requirements and obligations that EMI License holders in the Czech Republic must fulfill.
Compliance with AML and KYC Regulations
- EMI License holders in the Czech Republic must implement robust anti-money laundering (AML) policies and procedures.
- Conduct thorough know-your-customer (KYC) due diligence, including customer identification, verification, and ongoing monitoring.
Risk Management and Internal Controls
- Establish comprehensive risk management frameworks to identify, assess, and mitigate risks associated with money laundering, fraud, and other financial crimes.
- Implement internal controls, including transaction monitoring systems and employee training programs.
Reporting and Record-keeping Obligations
- Maintain accurate and up-to-date records of financial transactions, customer data, and compliance measures.
- Submit regular reports to the Czech National Bank (CNB), including financial statements, transaction reports, and statistical information.
Data Protection and Privacy
- Ensure compliance with data protection and privacy regulations, safeguarding customer information and maintaining appropriate security measures.
- Obtain customer consent for the collection, storage, and processing of personal data….
Outsourcing and Third-Party Relationships
- EMI License holders must establish proper due diligence and risk management processes when engaging in outsourcing arrangements or entering into relationships with third-party service providers.
- Regularly assess the compliance and security measures of third parties to ensure ongoing compliance with regulatory requirements.
- Obtain customer consent for the collection, storage, and processing of personal data.
Compliance with regulatory obligations is crucial for EMI License holders in the Czech Republic. By implementing robust AML and KYC procedures, establishing effective risk management frameworks, and fulfilling reporting and record-keeping obligations, EMI License holders can maintain their license, protect the integrity of their operations, and contribute to a secure and trustworthy financial ecosystem.
|
economics
|
https://usawebstories.com/world-news/economists-struggle-to-come-to-terms-with-immaculate-disinflation/
| 2023-12-08T19:36:16 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100769.54/warc/CC-MAIN-20231208180539-20231208210539-00350.warc.gz
| 0.969838 | 1,178 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__309979411
|
en
|
A little more than a year ago, the Wall Street Journal surveyed economists about their forecasts for 2023. The respondents, who included more than seventy experts from academia, business, and Wall Street, said that a recession was the likeliest outcome, as the Federal Reserve was keeping interest rates high to bring down inflation. They predicted that G.D.P. would shrink slightly in the first half of the year and that job growth would turn negative. In other words, the cost of bringing down inflation would be an economic slump. “Soft landing will likely remain a mythical outcome that never actually comes to pass,” one respondent said.
In January of this year, when the Journal carried out its next survey, economists were still predicting a recession and job cuts. “For 2023 as a whole, economists expect that payrolls will decline by 7,000 a month on average,” the paper reported. These predictions couldn’t have been more wrong. About the only thing the economists got right was that inflation would continue to fall, but even there they underestimated the pace of decline. Earlier this week, the Labor Department reported that the consumer-price inflation fell to 3.2 per cent in October, reversing a slight pickup over the summer. And with gas prices still falling, it seems perfectly possible that the the November figure for consumer-price inflation could begin with a two.
The great inflation spike, which has dominated economic news for the past couple of years, appears to be over. The rate of price increases is still a bit higher than the Fed would like; its target is two per cent. But since reaching a peak of 9.1 per cent, in June of last year, inflation has fallen by almost two-thirds. And this big decline has been accompanied not by the predicted recession but, rather, by a pickup in G.D.P. growth and sustained job creation: the opposite of what economists predicted.
In 2022, G.D.P., which is the broadest measure of the economy’s output, grew at an annual rate of 1.9 per cent, according to the Commerce Department. In the first three quarters of this year, the annualized growth rate has clocked in at 2.2 per cent, 2.1 per cent, and 4.9 per cent, respectively. With the Atlanta Fed’s GDPNow model pointing to growth of two per cent in the final quarter, it looks like G.D.P. growth for 2023 as a whole will be above two per cent. As for jobs, in the first ten months of the year, non-farm employers created about 2.4 million of them, and the unemployment rate is still below four per cent. So much for the forecasts of negative job growth.
It’s conceivable that between now and the New Year, the economy could still fall off a cliff. Over-all retail sales dipped slightly last month, and just this week Target and Home Depot reported that some consumers are holding off on big-ticket purchases. But barring some sort of financial calamity or a dramatic escalation of the wars in the Middle East and Ukraine, it seems unlikely that this weakness will turn into a broader free fall. The October decline in retail spending followed a surge during the summer, and other indicators remain positive. On Friday, housing stats came in stronger than expected.
Taken together, these figures show that the American economy has greatly outperformed expectations over the past year, shocking some of those who argued that a big slowdown and higher unemployment would be required to break the back of inflation. “The US combination of strong growth, low unemployment and falling inflation looks rather like the ‘immaculate disinflation,’ in which I, for one, disbelieved,” Martin Wolf, the Financial Times’ chief economics commentator, wrote last week. Even the former Treasury Secretary Larry Summers, who is now a professor at Harvard and said last year that it would likely take an unemployment rate of six per cent to “significantly restrain inflation,” has rowed back a bit. “Given how strong the economy has been, there’s still a surprise in what’s happened to inflation,” Summers told Bloomberg earlier this week.
To be fair to the inflation hawks, the immaculate disinflation that Wolf referred to has no precedent in recent history, and it has also surprised policymakers at the Fed. At their December, 2022, meeting, Jerome Powell and his colleagues predicted G.D.P. growth of just 0.5 per cent in 2023 and an unemployment rate of 4.6 per cent in the October-to-December quarter. Both of these predictions were way off, but in a good way.
How could economic forecasters have got things so wrong? One possibility is that their dire predictions were not inaccurate but premature, and that higher interest rates will eventually take their toll and bring on a recession. Another possibility is that many economists misinterpreted the nature of the inflation spike to begin with, viewing it primarily as a product of excessive demand rather than of pandemic-era supply disruptions, which have now largely disappeared. If that’s true, economists need to rewrite their textbooks.
The debate will go on, as will the parallel discussion about why, according to opinion polls, most ordinary Americans think that the U.S. economy is doing badly, and give Joe Biden negative ratings on this front. But the fact that many people are still bummed about the price of groceries and the level of mortgage rates shouldn’t be allowed to obscure what is shaping up as a historic victory over inflation. That’s where we are, and it’s worth a holiday toast. ♦
|
economics
|
https://blog.cspackaging.com/blog/are-corrugated-boxes-eco-friendly
| 2023-10-01T15:58:57 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510903.85/warc/CC-MAIN-20231001141548-20231001171548-00187.warc.gz
| 0.959799 | 1,317 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__104067678
|
en
|
Corrugated shipping boxes help reduce a business’s carbon footprint, as well as save energy. For those that ask, are corrugated boxes eco-friendly, the answer is easy. Corrugated material is highly recyclable and produces 100% recycled paper pulp.
Customized corrugated boxes offer benefits like better product protection during shipping as well as improved branding opportunities with printed logos or graphics. That makes them especially attractive to companies that ship a lot of products and need to make sure that their package reaches its destination safely and looks good in the process.
Corrugated boxes also present opportunities for businesses to create customized green packaging solutions that are tailored specifically to their individual needs. From sustainable materials such as wood pulp to specialized shapes and sizes, it can be adapted to any product situation.
Understanding Corrugated Packaging
Consumer demand for sustainable packaging solutions has been on the rise in recent years, as more and more customers prioritize environmentally-friendly practices when making their purchasing decisions. One example of this is the emergence of eco-conscious packaging materials such as cotton or bamboo fiber packaging.
However, corrugated cardboard is still the preferred option due to its versatility and cost-effectiveness. It can be produced in various sizes, shapes, and thicknesses to suit any product needs, while also being made from renewable resources such as wood pulp that can be easily recycled.
Additionally, it is lightweight yet strong enough to protect products in transit so companies don’t have to worry about goods arriving damaged or broken due to inadequate packaging. This makes it an ideal choice for businesses that are looking for both cost savings and sustainability.
Are Corrugated Boxes Eco-Friendly?
With the rise of digitalization, many industries have been looking into ways they can reduce their reliance on single-use plastics and other unsustainable materials. Modern packaging solutions such as corrugated cardboard offer a great alternative for companies that want to stay ahead of the curve.
The production of corrugated cardboard is powered by renewable energy sources, helping to minimize its carbon footprint and allowing it to be recycled or repurposed for future use.
This type of material has also been gaining traction in the food service industry, where it can be used to safely package food items while maintaining a minimal environmental impact. In fact, many businesses are now shifting towards reusable packaging models, as they offer a more economical solution in comparison to single-use options.
Pro Tip: The lowest board grade that still offers substantial protection for your product is the ideal solution for both lower paper usage and saving money.
Corrugated packaging has become a popular choice across many industries due to its unique properties. Depending on the desired use, there are various types of corrugated cardboard options available, including:
Single-wall: Provides good stiffness and is an economical option for lightweight items.
Double-wall: Offers more strength and cushioning, and is typically favored when shipping heavier items.
Triple-wall: Offers maximum protection for heavy or delicate shipments.
Corrugated Packaging and its Environmental Impact
The use of corrugated packaging contributes to a positive environmental impact. It is made from 100% recyclable materials, such as cardboard and paperboard, which can be recycled multiple times with no reduction in quality.
Paper can be recycled 7 times before its fibers become too short and weak to be used for papermaking. By recycling their corrugated packaging, businesses are not only saving money on manufacturing costs, but they're also contributing to a greener lifestyle.
The production of corrugated packaging is also much more energy-efficient compared to traditional methods. For example, the modern process requires less electricity and water, making it an environmentally friendly method of product packaging.
Lightweight corrugated boxes help reduce shipping costs while also being able to provide sufficient protection for the product during transit. Corrugated packaging is not only an economical alternative but it also helps decrease the amount of energy required to ship goods while significantly reducing the need for other non-eco-friendly materials like plastic, foam, or bubble wrap. Many companies are taking it one step further by using sustainable and biodegradable materials within the box to ensure minimal waste after the product has been received.
Corrugated Packaging for Sustainable Supply Chains
A circular economy is a way of doing business that eliminates waste and ensures the maximum use of resources. It's based on the idea that there should be no such thing as “waste” and instead, products are designed to have an infinite lifespan and continuously provide value.
Corrugated packaging fits into this concept in many ways. For example, corrugated boxes can be reused multiple times and easily recycled when they are no longer able to provide protection for goods. This helps companies reduce landfill waste while also cutting back on their overall manufacturing costs.
When it comes to comparing corrugated packaging to plastic or foam, corrugated options have a relatively low carbon footprint compared to the others, and it can be designed in ways that maximize their sustainability. Corrugated boxes can have removable adhesive seams or staples instead of glued ones, making it much easier to disassemble and recycle them. Additionally, some corrugated manufacturers have prioritized the use of paper made from recycled materials, resulting in fewer trees being cut down for fresh pulp.
Corrugated Boxes: Eco-Friendly Over the Years
Corrugated packaging is an excellent choice for companies looking for sustainable solutions in their supply chain operations. In a society focused on the answer to “are corrugated boxes eco-friendly”, the fact that eco-friendly corrugated packaging reduces waste, increases recycling efficiency, and reduces the impact on forests is a strong response. Meanwhile, sustainable packaging also allows businesses to maintain optimal performance with cost-effective materials.
The combination of innovative designs and advanced technologies makes eco-friendly corrugated packaging a reliable and cost-effective choice for businesses of any size.
Eco-friendly packaging is a great way to reduce waste, increase efficiency, and reduce environmental impact without sacrificing performance or profitability. With its cost-effectiveness and innovative designs, eco-friendly corrugated packaging is an excellent option for businesses looking to minimize their environmental impact.
Businesses can take steps to ensure that their packaging products are certified to meet sustainability standards, ensuring that they are contributing positively to the environment in the long term.
|
economics
|
http://www.safra.fr/en/company/safra-history.html
| 2013-12-10T06:53:18 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386164011870/warc/CC-MAIN-20131204133331-00051-ip-10-33-133-15.ec2.internal.warc.gz
| 0.966099 | 253 |
CC-MAIN-2013-48
|
webtext-fineweb__CC-MAIN-2013-48__0__17410517
|
en
|
SAFRA (Société Albigeoise de Fabrication et Réparation Automobile) was founded in 1955 and its first vocation was that of coachbuilding on chassis cabs.
Throughout its history, the company has continuously evolved, adapting itself to developments in the domain of public transport. This was demonstrated by the change in activity initiated by Serge Bodoira when he became Chairman in 1978: from being a coachbuilder, Safra became coachbuilder, restorer and repairer. Over the years Safra continued to diversify and the company henceforth developed three complementary activities: car bodywork, industrial and rail bodywork and shopfitting.
Today Safra is based at Fonlabour on a site totalling 8.5 hectares, 16,000m² of which are covered buildings. In 2007 Serge Bodoira initiated the first phase of the restructuring of the company and appointed Vincent Lemaire as CEO of Safra, and appointing himself Chairman of the Safra Group, the majority holding company.
To date, the three activities are of ambitious dimensions for this ever developing and innovating company and for whom its major Businova project is not only a real challenge but also a return to the company's original roots.
|
economics
|
https://gardnersaccountants.co.uk/news/newsletters/
| 2018-10-24T05:14:40 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583519859.77/warc/CC-MAIN-20181024042701-20181024064201-00177.warc.gz
| 0.904237 | 162 |
CC-MAIN-2018-43
|
webtext-fineweb__CC-MAIN-2018-43__0__120208239
|
en
|
Tax Tips & News
Welcome to the Gardners Tax Tips & News monthly newsletter, bringing you the latest news to keep you one step ahead of the taxman.
If you need further assistance just let us know or send us a question for our Question and Answer Section.
We’re committed to ensuring none of our clients pay a penny more in tax than is necessary and they receive useful tax and business advice and support throughout the year.
Please contact us for advice on your own specific circumstances. We’re here to help!
HMRC consult on BIK changes
Following the recent consultation covering the taxation of employee expenses (as announced in the Autumn 2017 Budget), draft Finance Bill 2018-19 contains proposals to amend some of the existing rules concerning travel and subsistence payments. Read More…
|
economics
|
https://parkusa.com/index.php/case-study/blue-bell-creameries
| 2023-11-28T16:15:02 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679099892.46/warc/CC-MAIN-20231128151412-20231128181412-00584.warc.gz
| 0.945887 | 258 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__77833601
|
en
|
Blue Bell Creameries
Blue Bell Creameries is an ice cream manufacturer that does business primarily in the South. Even though it does business in less than half of the U.S., Blue Bell is the third highest-selling ice cream in the nation, with sales usually ranging upwards of $400 million dollars per year. Blue Bell currently has three manufacturing plants located in Brenham, Texas, Sylacauga, Alabama, and Broken Arrow, Oklahoma; other locations include the various distribution centers spread throughout their territory. Recently, Blue Bell decided to expand the Brenham, Texas location. The expansion includes a fully automated pallet loading system and roughly 100,000 square feet to the cold storage and production facilities. ParkUSA provided an EleVader system for the Brenham, Texas location.
The new project facility included automated pallet rack system and multiple freight and passenger elevators. These elevators were spread throughout the facility. To protect the public sewer system and to be compliant with the new ASTM elevator code, the Park EleVaderTM system was specified. The elevator model EC system was used for its flexibility in its ability to handle several sources of drainage. One Oil water separator could be used to handle multiple elevator shafts and a separate trench drain from an equipment Service area.
|
economics
|
https://wed-dress.com/en/about-us
| 2021-09-27T22:19:18 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780058552.54/warc/CC-MAIN-20210927211955-20210928001955-00024.warc.gz
| 0.928652 | 413 |
CC-MAIN-2021-39
|
webtext-fineweb__CC-MAIN-2021-39__0__104281454
|
en
|
Factory "RUT Bride" | About us
Factory "RUT Bride" is the manufacturer of wedding dresses, which is primarily focused on the needs of its customers.
Cooperate with the factory "RUT Bride" because:
- We have an extensive experience; we are working on the Ukrainian market since 2005;
- The new word in the production of wedding dresses - the use of innovative tailoring techniques, high quality fabrics;
- "Our new collection" will grab the attention of the consumers, with an emphasis on the important elements and details, such as the use of new types of fabrics (lace);
- Minimum terms of manufacturing, extensive production base;
- The unique technology used in our production, will allow you to materialize any idea of the bride;
- According to the preliminary agreement the goods can be delivered to any place in Ukraine, CIS and Europe.
Factory «RUT Bride» came out this year on the market with the new exclusive product, which is only beginning to be in demand at the wedding market.
All of Europe knows about Ukrainian dresses, including our company, which entered the European market, increasing its quality and improving its products.
Our latest collection is a truly unique way to diversify your product range, which can satisfy a bride with a variety of tastes and moods.
Wedding products from «RUT Bride» factory will expand the boundaries of your assortment and will allow you not only to order dresses from our collections, but also to order a combined model (a top from one and a bottom from another of our models), allowing you to become a designer, adding exclusivity to the dress without significant additional financial investments.
Today Factory «RUT Bride» offers its customers to experience the beauty and charm of the wedding industry! Our new collection will help you to distinguish yourself from your competitors.
When ordering from us, you get not only a "wedding dress", but also a guarantee of its quality, exclusive models and secure, mutually beneficial cooperation!
|
economics
|
https://modestoprestige.com/financing
| 2024-04-14T05:24:36 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816864.66/warc/CC-MAIN-20240414033458-20240414063458-00713.warc.gz
| 0.911745 | 465 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__79706216
|
en
|
Flexible Financing Options for Used Cars at Prestige Auto Sales in Modesto, CA
Find the Perfect Financing Solution
At Prestige Auto Sales in Modesto, CA, we understand that purchasing a used car is a significant investment. That's why we offer flexible financing options to help you bring home your dream car. Our goal is to provide you with a hassle-free financing experience, tailored to your specific needs and budget. We work with trusted lenders to secure competitive rates and favorable terms, making it easier than ever to own one of the best used cars in Modesto, CA.
Hassle-Free Application Process
Applying for financing at Prestige Auto Sales is quick and straightforward. Our user-friendly online application allows you to conveniently apply for financing from the comfort of your own home. Simply provide the necessary information, and our finance experts will review your application promptly. We strive to make the process as efficient as possible, getting you one step closer to driving the used car of your dreams.
Customized Financing Solutions
Every customer has unique financial circumstances, and we believe in providing personalized financing solutions. Our team of finance professionals will work closely with you to understand your budget and financial goals. We'll explore various financing options, including loan terms and down payment options, to find the best fit for you. Our goal is to ensure that you can comfortably afford the used car you desire while maintaining financial stability.
Competitive Rates and Transparent Terms
At Prestige Auto Sales, we prioritize transparency and fairness. We negotiate with our network of lenders to secure competitive interest rates and transparent terms for our customers. We believe in providing clear and concise information about your financing agreement, ensuring that you have a complete understanding of your obligations. Our commitment to transparency means no hidden fees or surprises – just straightforward financing that you can trust.
Start Your Financing Journey Today
Don't let financing be a barrier to owning one of the best used cars in Modesto, CA. Visit Prestige Auto Sales and explore our wide selection of high-quality vehicles. Our finance experts are ready to assist you in finding the perfect financing solution for your needs. Contact us or visit our dealership today to start your financing journey and drive away in the used car you've always wanted from Prestige Auto Sales.
|
economics
|
https://bdtenergygroup.com/customer-testimonials/
| 2019-08-18T05:39:42 |
s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027313617.6/warc/CC-MAIN-20190818042813-20190818064813-00259.warc.gz
| 0.977171 | 185 |
CC-MAIN-2019-35
|
webtext-fineweb__CC-MAIN-2019-35__0__12662891
|
en
|
Check out what a few of our customers have to say about BDT Energy Group and our LED lighting products.
BDT impressed me with their efficient, professional manner and provided the results we were looking for. We needed an effective LED lighting solution for several areas of our facility. It was important that the LED lighting provide enough light, in the right color spectrum, within the interior of the facility. BDT was able to provide us with LED lighting that looks great, satisfies our need and at a reasonable price. The switch saved us 50% on the lighting energy costs of the replacements and reduced our maintenance costs.
Upgrading to LED lights was a no-brainer. The installation and lighting costs are short-term, but the energy savings are permanent and will help save us tens of thousands of dollars in the long-term. Not only have we cut our costs, but we have increased the value of our building.
|
economics
|
https://sathiharu.com/read-blog/126501_millennial-homebuyers.html
| 2023-06-01T03:28:10 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224647525.11/warc/CC-MAIN-20230601010402-20230601040402-00791.warc.gz
| 0.976726 | 202 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__238196844
|
en
|
Denver is the second most popular city for millennial homebuyers. The share of mortgages offered to millennials was 61.35%, and the average age of those buying in the city was 32.23.
In February 2023, Denver homes were selling for a median price of $560,000. On average, homes sell after 26 days on the market, compared with five days last year, according to RedFin.
The average down payment among millennials in Denver was $74,477.
Boston rounds out the top three. The share of mortgages offered to millennials last year was 60.59% and the average age was 32.38, according to the Lending Tree study.
Boston gives millennial homeowners proximity to several prestigious universities, including Harvard and Massachusetts Institute of Technology, which have continued to rank as some of the best colleges in the U.S.
The average Boston home value is $610,400, compared with the national average of $244,900, according to Niche.
|
economics
|
http://m.en.tkdldz.com/
| 2024-04-21T09:20:28 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817729.87/warc/CC-MAIN-20240421071342-20240421101342-00220.warc.gz
| 0.924151 | 175 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__184004041
|
en
|
Shandong Taikai Power Electronic Co.,Ltd.
Established in 2003 with a registered capital of 300 million yuan, Shandong Taikai Power Electronics Co., Ltd., a wholly-owned subsidiary of Taikai Group, is a specialized enterprise in R&D, production and sales of power quality control equipment. The company has a second grade qualification for contracting, repairs and commissioning of substation projects. As outstanding supplier in electric power, new energy, metallurgy, coal, petrochemical and other systems, it is the national key high-tech enterprise of Torch Program, a software enterprise in Shandong Province, an engineering laboratory of power transmission, and distribution electronics equipment in Shandong Province. The company has acquired a number of national, ministerial provincial level awards and is well received in the domestic and foreign markets.
|
economics
|
http://www.ncu.edu.jm/business-competition-2017.html
| 2017-05-24T02:13:36 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-22/segments/1495463607731.0/warc/CC-MAIN-20170524020456-20170524040456-00369.warc.gz
| 0.960138 | 442 |
CC-MAIN-2017-22
|
webtext-fineweb__CC-MAIN-2017-22__0__135625529
|
en
|
One, Two, Three:
NCU Tops National Business Model Competition
One, Two, Three: NCU Tops National Business Model Competition
NCU, Mandeville, Jamaica - One, two, three; was the order of placement for Northern Caribbean University (NCU), at the fourth staging of the National Business Model Competition put on by the Development Bank of Jamaica. The competition, which was held last Friday at the Knutsford Court Hotel, had four NCU teams, trained by the Morris Entrepreneurship Centre, entering the competition. Of the four teams, three of them advanced to the finals, which saw NCU as champions for the fourth consecutive time.
Natsima Nutraceuticals won the competition with a natural treatment for sinusitis which can also be used to prevent asthma attacks. The team developed this remarkable formula from Ginger, Guinea Hen Weed and Garlic, and it is intended to be used along with a vaporizer.
Second place went to GenisisWay who developed Ackee Butter from Jamaica’s national fruit. Ackee Butter is not only tasty and affordable, it is also an excellent source of natural and healthy unsaturated fats, making it a suitable alternative to other butters. Ackee Butter can be enjoyed by vegans, the health conscious and individuals with food allergies as it is cholesterol free, non-dairy and nut free.
Sotare placed third, having developed a system that produces root tubers such as yam and sweet potato that is cost-effective and efficient through the use of hydroponics as the nutrient source instead of soil. The aim is to enhance the growth rate, quality and quantity of these root tubers. This will in turn increase the productive output of farmers.
NCU’s President, Dr Lincoln Edwards was present and gave remarks on behalf of NCU. He commended all the competitors for having taken up the challenge to enter a competition of such magnitude and said that he was excited for the future of Jamaica where entrepreneurship, innovation and creativity is concerned.
Natsima Nutraceuticals will go on to represent Jamaica in May in Silicon Valley California for the global championships.
|
economics
|
https://sketchbook.nclud.com/nclud-highlights-team-members-dedication/
| 2023-12-04T19:58:59 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100534.18/warc/CC-MAIN-20231204182901-20231204212901-00295.warc.gz
| 0.957377 | 583 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__46551032
|
en
|
Now is the time to think small. Small business that is.
Did you know that small businesses account for 99.7% of firms with paid employees in the United States? It’s true. Small businesses make a large impact on both the national economy and their local markets.
What’s more, they provide healthy economic competition and incentive for innovation. By having neighbors helping neighbors and friends helping friends, small businesses really are the backbone of the economy.
It’s no wonder there has been so much emphasis on them in recent current events. At this time more than ever, it’s vital that all economic players — regardless of their size — come together to support small businesses.
As a small business ourselves, we wanted to take this opportunity to recognize the constantly devoted efforts of our team members. Since 1998, we’ve been established as an interactive agency based out of Washington, D.C.
Our team members are known for being unabashed agents of change. Combining deep technical expertise with artistic talent, our employees create everything inside the medium it is meant for.
They’re incredible at dissecting where our clients are and plotting a course for where they want to be, all with unexpected combinations of strategy and style.
Our small, but mighty team of rock stars is known for implementing new ideas through our strategically iterative and inclusive process. From the very start, every stage of our creative process is holistic, functional, and interactive.
We can’t help bragging about our amazing team members, but it seems that our clients can’t either. In a recent online review, the director of a PR company we’re partnered with took the time to leave some feedback about our engagement.
They said, “Their flexibility and ability to work with us distinguish them. Even as project scopes change in the middle of development, they remain flexible and open to getting the client exactly what they need. On top of that flexibility comes their accessibility; it’s easy to get them on the phone if necessary.”
We’re so grateful for all of our partners who have left us reviews. This feedback helps us recognize our employees’ contributions so we can acknowledge and celebrate their successes.
Platforms like The Manifest help us increase our online visibility to those who search through company projects to make their buying decisions. The fact that we’re currently listed as a top agency in Washington, D.C. is due to our team members’ constant dedication and efforts.
Our leadership team at nclud is thrilled to celebrate our employees’ successes and accomplishments! We would like to extend a big thank you to our hard workers and want to express our constant gratitude and appreciation for them.
Feel free to drop a line if you’d like to start your next project!
|
economics
|
http://www.flyfxe.com/Home/Components/News/News/1153/2713?backlist=%2F
| 2017-03-25T15:38:04 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218188962.14/warc/CC-MAIN-20170322212948-00372-ip-10-233-31-227.ec2.internal.warc.gz
| 0.916041 | 1,027 |
CC-MAIN-2017-13
|
webtext-fineweb__CC-MAIN-2017-13__0__109638255
|
en
|
MIASF to Establish Fort Lauderdale’s First Foreign Trade Zone Subzone
FOR IMMEDIATE RELEASE
December 12, 2016
Kelly Skidmore, Public Relations Director
Marine Industry Association of South Florida
954-524-2733 / [email protected]
Monique J. Damiano, Public Information Specialist
City of Fort Lauderdale
954-828-5942 / [email protected]
Marine Industry Association of South Florida to Establish
Fort Lauderdale’s First Foreign Trade Zone Subzone
Fort Lauderdale, FL – Phil Purcell, Executive Director of the Marine Industry Association of South Florida (MIASF), announced today that MIASF received approval from the Foreign Trade Zone (FTZ) Board and City of Fort Lauderdale FTZ No. 241 for a 16-site FTZ marine industry subzone, which is a group of sites established for a specific use. Once established, each of the 16 sites included in this special-purpose subzone will operate as a commercial marina, a marine parts and components business, or a yacht repair facility. Foreign Trade Zone restricted-access sites are considered to be outside the U.S. Customs territory, and as such, can defer, reduce, or eliminate Customs duties on foreign products.
“This is a first of its kind in the United States,” Purcell said. “Fort Lauderdale is already known as the yachting capital of the world and will now be known for introducing the first FTZ subzone dedicated to the recreational boating industry,” Purcell added.
As a leading economic engine that contributes $8.8 billion to our area, the success of the marine industry is directly tied to the long-term growth, development, and prosperity of Fort Lauderdale,” said Mayor John P. “Jack” Seiler. “Providing economic incentives through our Foreign Trade Zone program will enable marine industry businesses to free up important resources that can be used to expand operations, increase revenue, and create additional jobs and career opportunities for our community, while also serving as a valuable tool for future business attraction and retention.”
“Strengthening our marine industry by creating an environment that will encourage more business is the key reason to pursue Foreign Trade Zone activity,” said Karen Reese, FTZ Administrator for the City of Fort Lauderdale’s FTZ No. 241. “The City expects to continue expanding the marine industry business through FTZs.”
“Now that the initial filing for FTZ status has been approved, we are excited to begin working with each marina or marine distributor site to activate in compliance with U.S. Customs and Border Protection regulations,” said Gary Goldfarb, Chief Strategy Officer of Interport Group of Companies. “This is a monumental achievement for the City of Fort Lauderdale, the marine industry, and the community as a whole. There are so many more options for the industry under an FTZ and, as a result, we expect this will be a very active sector for jobs for years to come,” Goldfarb added.
About Marine Industry Association of South Florida
The Marine Industries Association of South Florida (MIASF) is the largest trade organization in the Southeast United States dedicated to promoting, protecting, and growing the 110,000 middle class jobs in Broward County and 136,000 jobs regionally in marine businesses promoting boating lifestyles from family cruising and fishing to yachts and the goods and services that sustain them, driving the economic output to $8.8 billion in Broward County and $11.5 billion regionally. Created in 1961, the not-for-profit trade group is focused on the sound growth of the marine industry in the South Florida Region to benefit its members, their customers, communities and the environment. The Association has over 500 members in Broward, Miami-Dade, and Palm Beach Counties and is the owner of the Fort Lauderdale International Boat Show.
About Fort Lauderdale Executive Airport
Fort Lauderdale Executive Airport is one of the nation’s busiest general aviation airports handling close to 160,000 aircraft operations per year. The airport is home to more than 900 aircraft along with four full-service, fixed-base operators, a 24-hour Federal Aviation Administration Air Traffic Control Tower, an onsite U.S. Customs and Border Protection facility, a 24-hour aircraft rescue and firefighting station, a Fort Lauderdale police substation, and 24-hour security. FXE also operates a 200-acre Industrial Airpark, the City’s Foreign-Trade Zone #241, and the downtown Fort Lauderdale John Fuhrer Helistop.
About Interport Group of Companies
Interport Group of Companies, which is headquartered in Miami, FL, is a full-service supply chain management company, providing consulting, FTZ operations, warehousing, freight forwarding, customs brokerage, and technology development for more than 15 years.
|
economics
|
https://www.superstrain.com/pages/promo-and-coupons
| 2024-02-21T02:24:58 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473360.9/warc/CC-MAIN-20240221002544-20240221032544-00419.warc.gz
| 0.933897 | 261 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__143828082
|
en
|
Promo and Coupons
Superstrain Promo Codes
For consumers, promo and coupon codes offer several advantages. First and foremost, they provide an opportunity to save money. By applying a promo or coupon code at checkout, customers can enjoy discounts on their purchases, obtain free shipping, or receive other enticing offers. These codes can significantly lower the overall cost of an order, making it more affordable for budget-conscious shoppers or those looking to maximize their savings.
Moreover, promo and coupon codes can enhance the overall shopping experience. They create a sense of exclusivity and reward, which is one of the reasons why we like to use them. We know that these promotions help our customers feel appreciated and valued. These codes often act as incentives for customers to return to the store for future purchases, which is how we foster customer loyalty.
In the case of Superstrain, pur diverse range of alternative products can be even more accessible with the use of promo and coupon codes. Customers interested in mushroom gummies, mushroom supplements, Delta 8 vapes, HHC gummies, or other hemp-derived products can enjoy these items at discounted prices, making them more affordable and attractive. Superstrain's promo and coupon codes allow customers to explore the benefits of alternative products while staying within their budget.
|
economics
|
https://pfmsearch.com/in-the-community/connecting-communities-business-leaders/
| 2023-03-25T13:15:41 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296945333.53/warc/CC-MAIN-20230325130029-20230325160029-00692.warc.gz
| 0.951618 | 309 |
CC-MAIN-2023-14
|
webtext-fineweb__CC-MAIN-2023-14__0__251226190
|
en
|
(Photo above left to right: PFM Partner, Shaun Carpenter; Victoria Mayor, Lisa Helps; GVHA CEO, Ian Robertson)
In an effort to connect community and business leaders together, PFM Executive Search hosted a special breakfast in Victoria at which Ian Robertson – our newly recruited CEO candidate for the Greater Victoria Harbour Authority (GVHA) – provided an outline of priorities for the organization and some exciting plans for the future.
Ian described for us some emerging GVHA initiatives for increasing economic development within the region, such as a greater collaboration within the tourism sector, especially with the cruise ship industry. Many of his remarks touched on building strong working relationships and partnerships with a wide variety of stakeholders, including First Nations.
Guests attending this event included the Mayor of Victoria, Lisa Helps (pictured above), Capital Regional District Chair and Mayor of Oak Bay, Nils Jensen, as well as other key business and community leaders from across the Capital region. The breakfast was hosted by PFM Executive Search Partners, George Madden, Shaun Carpenter and Shelina Esmail.
Gatherings such as these that PFM executive Search hosts are not only a great opportunity to provide information to an influential group of individuals in an informal format but it also provides a chance for people to network and share experiences. Our firm sees great value in hosting these private breakfast sessions as part of our own executive search firm’s community investment activities, linking leaders together from various BC communities, including Victoria, in a social environment where ideas are generated.
|
economics
|
https://labmaster.com.br/unfair-contract-terms-and-life-insurance/
| 2024-02-29T20:34:45 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474853.43/warc/CC-MAIN-20240229202522-20240229232522-00872.warc.gz
| 0.954992 | 408 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__167758468
|
en
|
Unfair contract terms and life insurance are a significant concern for consumers. It is not uncommon for insurance providers to include complex terms and conditions in their policies, leaving the policyholder vulnerable to exploitation.
One of the primary issues with unfair contract terms in life insurance is the lack of transparency. In some cases, policyholders may not fully understand the ins and outs of their policy. This can lead to misunderstandings and ultimately result in a claim being rejected or a payout being denied.
Insurance providers have been known to include terms in their policies that limit their liability, which may not be in the best interest of the consumer. For example, an insurance policy may state that the provider will only pay out if the policyholder dies from a specific cause such as a heart attack, while excluding other causes such as cancer.
These terms are often buried deep in the fine print of a policy, making them difficult to understand or even notice. Consumers may be unaware of these limitations when they purchase insurance, which can lead to frustration and financial stress later.
Another concern with unfair contract terms in life insurance is that they can disproportionately affect vulnerable groups such as the elderly, those with disabilities or low-income individuals. These individuals may be more likely to require life insurance and may not have the resources or knowledge to fully understand the terms of their policy.
Fortunately, there are ways for consumers to protect themselves against unfair contract terms in life insurance. One option is to seek assistance from a financial advisor or legal professional who can help explain the terms of a policy and identify any potential issues.
Another way to protect yourself is to compare policies from different providers before making a decision. This can help you to identify providers that offer fair and transparent policies.
In conclusion, unfair contract terms in life insurance are a real concern for consumers. It is important to be aware of the terms of your policy and seek help if you are unsure about any provisions. By doing so, you can ensure that you are adequately protected and avoid financial stress down the line.
|
economics
|
https://www.vacatures.nl/bedrijf/2406963/
| 2024-04-23T17:21:31 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818732.46/warc/CC-MAIN-20240423162023-20240423192023-00106.warc.gz
| 0.780994 | 169 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__93041335
|
en
|
Marel is the leading global provider of advanced processing systems and services to the Poultry, Meat and Fish industries. We offer the convenience of a single source to meet every need. Our state-of-the-art equipment and systems help food processors of all sizes, in all markets, to operate at peak productivity.
Our team is comprised of approximately 4,600 employees worldwide, offices and subsidiaries in 30 countries across six continents, and a network of more than 100 agents and distributors.
1001 t/m 5000 werknemers
Vacatures bij Marel
|
economics
|
https://dtts.com.au/
| 2024-04-16T10:59:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817081.52/warc/CC-MAIN-20240416093441-20240416123441-00199.warc.gz
| 0.95121 | 352 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__151418587
|
en
|
Accountant on the Central Coast
Your Trusted Accounting Advisors
Dynamic Accounting Taxation Advisors is your trusted firm providing accounting, bookkeeping, taxation and self-managed superannuation fund (SMSF) assistance. Based in Terrigal, we provide clients on the Central Coast with updated and accurate accounting and taxation services.
We help grow your business by managing your finances and handling administrative tasks. Our team of experts takes care of updating your general ledgers, submitting tax returns, preparing your financial records and other accounting needs. We also advise businesses on how to protect their assets and increase their profits.
Our accountants guide individuals through taxation processes and investment methods. We teach you how to navigate through the difficult parts of your SMSF, so that you can live comfortably when you decide to retire.
Team of Experts
Our company is comprised of experienced accountants and bookkeepers who are knowledgeable in the constantly changing taxation and economic landscape. We are experts in the following areas:
We owe our efficiency to using the latest accounting tools. We have MYOB and Xero, two of the most commonly used accounting software in our industry that can make every bookkeeping or accounting task a lot easier. Our programs will manage the financial aspects of your business including, but not limited to:
Your financial success is what we are aiming for.
The best way to ensure that you or your company thrives is to help you focus your attention on expanding your business while leaving the accounting tasks to us.
We help individuals, sole traders, partnerships and companies their with accounting and taxation requirements.
We provide practical advice to individuals and companies to improve their financial situation. We help you with tax breaks, appeals and more.
|
economics
|
https://virginiawineexpo.com/about/charitable-beneficiary
| 2024-03-04T16:01:09 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476452.25/warc/CC-MAIN-20240304133241-20240304163241-00341.warc.gz
| 0.911263 | 477 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__202218948
|
en
|
The beneficiary of the 2024 Virginia Wine Expo is the Richmond Metropolitan Habitat for Humanity!
About Richmond Metropolitan Habitat for Humanity
Our vision is a world where everyone has a decent place to live. Seeking to put God’s love into action, Richmond Metropolitan Habitat for Humanity brings people together to build homes, communities and hope.
At our core, Habitat for Humanity is a nonprofit organization that helps families build and improve places to call their home. We believe affordable housing plays a role that is critical in building strong and stable communities.
With your help, Habitat homeowners will achieve the strength, stability and independence they need to build a better life for themselves and their families. Please consider donating, volunteering, or finding other ways you can get involved with Richmond Metropolitan Habitat for Humanity.
How to Support Richmond Metropolitan Habitat for Humanity
The lack of affordable, safe housing is a critical problem in our area. Your monetary donations and gifts in kind of goods and services increase the available safe, affordable housing in our community and help break the cycle of poverty by providing affordable homes.
Help us provide housing with your donations here: https://interland3.donorperfect.net/weblink/weblink.aspx?name=E79652&id=1
Volunteers are the backbone of Richmond Metropolitan Habitat for Humanity, helping us build homes and organize our ReStores. We have an open-door policy: all who believe that everyone needs a decent, affordable place to live are welcome to help with the work, regardless of race, religion, age, gender, political views, or any of the other distinctions that too often divide people.
You can find many exciting opportunities to volunteer: https://richmondhabitat.galaxydigital.com/
Habitat for Humanity ReStores are nonprofit home improvement stores and donation centers that sell new and gently used furniture, appliances, home accessories, building materials and more to the public at a fraction of the retail prices. Our Northside ReStore is located at 1901 Roane Street, Richmond, VA 23222 and our Chesterfield ReStore is at 1201 Mall Drive, Chesterfield, VA 23235.
Learn more about shopping or donating to our ReStores here: https://richmondhabitat.org/restore/
|
economics
|
https://www.elmhaypark.co.uk/mid-week-weddings
| 2024-04-21T02:44:30 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817699.6/warc/CC-MAIN-20240421005612-20240421035612-00525.warc.gz
| 0.945501 | 209 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__71287138
|
en
|
Mid Week Weddings at Orchardleigh
Choosing to marry mid week or during the winter months is a fabulous way of reducing your overall Wedding spend; this not only includes the venue but other suppliers often reduce their rates mid week too.
Great savings on total wedding cost
Greater Choice and Greater Availability.
Increasing in popularity
Mid Week Weddings have increased in popularity over the past ten years. Not only does having a mid week wedding bring down the overall cost of your big day, but it also makes it more possible to extend the celebrations over two or three days.
Bells and whistles
Saving on the overall package cost means you may be able to afford all of those little extras you've always dreamed of. Ask us about our preferred suppliers for ideas.
Your dream date
Generally speaking, Venues and Suppliers will have more availability mid week so it gives you more choice and a greater chance of securing your Dream Venue, Photographer, Band and so on for your chosen day.
|
economics
|
https://fasthomeoffer.com/resources/glossary.asp?letter=T
| 2023-10-01T18:42:36 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510924.74/warc/CC-MAIN-20231001173415-20231001203415-00793.warc.gz
| 0.949944 | 470 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__75729219
|
en
|
As opposed to joint tenancy, when there are two or more individuals on title to a piece of property, this type of ownership does not pass ownership to the others in the event of death.
A process by which a lender uses another party to completely or partially originate, process, underwrite, close, fund, or package the mortgages it plans to deliver to the secondary mortgage market.
A legal document evidencing a person's right to or ownership of a property.
A company that specializes in examining and insuring titles to real estate.
Insurance that protects the lender (lender's policy) or the buyer (owner's policy) against loss arising from disputes over ownership of a property.
A check of the title records to ensure that the seller is the legal owner of the property and that there are no liens or other claims outstanding.
Any means by which the ownership of a property changes hands. Lenders consider all of the following situations to be a transfer of ownership: the purchase of a property subject to the mortgage, the assumption of the mortgage debt by the property purchaser, and any exchange of possession of the property under a land sales contract or any other land trust device.
State or local tax payable when title passes from one owner to another.
An index that is used to determine interest rate changes for certain adjustable-rate mortgage (ARM) plans. It is based on the results of auctions that the U.S. Treasury holds for its Treasury bills and securities or is derived from the U.S. Treasury's daily yield curve, which is based on the closing market bid yields on actively traded Treasury securities in the over-the-counter market. [Top]
A fiduciary who holds or controls property for the benefit of another.
A federal law that requires lenders to fully disclose, in writing, the terms and conditions of a mortgage, including the annual percentage rate (APR) and other charges.
A property that consists of a structure that provides living space (dwelling units) for two to four families, although ownership of the structure is evidenced by a single deed.
An adjustable-rate mortgage (ARM) that has one interest rate for the first five or seven years of its mortgage term and a different interest rate for the remainder of the amortization term.
|
economics
|
http://www.newstasis.com/2014/09/09/some-end-of-life-considerations-you-may-not-have-considered/
| 2023-05-28T00:22:28 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224643388.45/warc/CC-MAIN-20230527223515-20230528013515-00505.warc.gz
| 0.963943 | 917 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__120940799
|
en
|
Everyone dies. Until that changes, there is a very good chance that you will need to deal with the end of life of someone you care about; maybe even yourself.
The challenge in dealing with these issues is that death is an emotionally charged subject. As such, your logical thinking capabilities are going to be turned-down or off and your actions will be automatic. The goal of this post is to outline some of the things that can happen and offer-up an alternative possibility that will serve your interest more effectively. Keep in mind that almost everyone is selling something and there are people who will take advantage of your decreased resistance and get you to buy things you don’t want, need or have options about.
1) Parking – for some reason the parking garages of many hospitals are now regarded as profit centers to help bridge the gap between costs and funding. This may be true, but it is a poor justification for charging the loved ones of a terminally ill person $16 a day to park. This cost can grow very quickly and may eventually become a reason for NOT visiting. $112 a week is money that can be better spent.
What To Do: If you cannot get a ride to and from the hospital consider finding a parking lot that is close-by and does not cost anything. If you do need to pay for parking, look for a weekly / monthly pass. These passes may be transferable so you can share it among your relatives and other loved ones.
2) Bringing your own casket / urn – in Ontario you are allowed to supply your own casket / urn and the funeral home legally must use them. This can save you thousands of dollars because you remove another tier of profit takers.
What To Do: Google “casket outlet” and check out some of the sites. You’ll quickly notice that the caskets look great; the same as the ones you will be offered at the funeral home. The outlet will deliver the casket to the funeral home so after you buy it, you can focus your energy on the more important things that need to be addressed.
3) Embalming is not necessary if there is only going to be a single viewing. The tips of the fingers and the finger nails won’t look the same, they’ll likely appear slightly discolored and a little shriveled, but the face will look effectively the same. Having seen both the embalmed and un-embalmed it is a fair statement that neither looks like a living person.
What To Do: If there is only going to be a single viewing, talk to the funeral director about not embalming. They’ll likely try to sell you the service, but they’ll be able to explain the visual differences.
4) You can barter with almost everyone involved in the end of life industry. There is a huge mark-up in everything associated with funerals so you are free to ask for discounts, ask for different vendors and to supply your own. There are a few items / processes that must be taken care of by government regulated companies – there is no DIY cremation for example – so anticipate “no” on a few items, but there is no good reason to pay a 400% mark-up on flowers or catering.
What To Do: Know your budget and be firm with it. Tell the funeral director your budget and always be aware that the amount of money spend on a service has no connection to the life the person lived or the amount of love you feel towards them. The directors are going to suggest more expensive services, upgrades and add-ons that will balloon the cost in no time. They want to create a beautiful experience so their suggestions are probably fair. But only YOU know the experience that is appropriate so stay firm with that. Paying more money for the same experience may not make sense so take the time to consider all of the options and to ask for a lower price.
Every life will come to an end. It can be sad but this sadness should not mean that you get ripped off. Knowing what you want for yourself or for your loved one will arm you to make good decisions that mean you pay only what you need to pay and that you get only what you want. The intensity of the grief will fade and, when it does, it doesn’t need to be replaced with regret or hours of work to pay for stuff you were sold unnecessarily.
|
economics
|
https://connectr.tech/services/web3-distribution/
| 2024-03-02T06:34:13 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475757.50/warc/CC-MAIN-20240302052634-20240302082634-00643.warc.gz
| 0.882197 | 472 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__109800654
|
en
|
Discover Web3: The Future of Decentralization
Experience the decentralized web with Web3 distribution – your gateway to a more democratic, secure, and peer-to-peer online world.
In the rapidly evolving landscape of the internet, Web3 distribution stands as a transformative force. It represents a paradigm shift towards decentralized, community-driven platforms, where ownership, governance, and value sharing are no longer controlled by a central authority. Instead, they are in the hands of the users themselves.
Web3 distribution hinges on blockchain technology, which allows for transparent and immutable records of ownership. Through the use of blockchain-based tokens, such as cryptocurrencies and NFTs (Non-Fungible Tokens), users can assert ownership over digital assets, content, and even governance decisions within a decentralized network.
Web3 distribution platforms often employ decentralized autonomous organizations (DAOs) that empower users to have a say in the development and direction of the platform. Token holders can vote on proposals, shaping the future of the platform in a truly democratic manner.
One of the hallmarks of Web3 distribution is the concept of value sharing. Users who contribute to a platform, be it through content creation, community building, or other forms of participation, can be rewarded with tokens or other incentives. This model flips the traditional internet monetization model on its head, allowing users to share in the value they help create.
Web3 distribution encourages interoperability between platforms. Users can seamlessly move their assets and data across different decentralized applications (dApps) and services, creating a more fluid and user-centric internet experience.
Privacy and Security:
Blockchain technology and decentralized networks enhance user privacy and security. Users have greater control over their data and digital identities, reducing the risks associated with centralized data storage and control.
The Future of the Internet:
Web3 distribution is reshaping the internet as we know it, promoting user sovereignty, transparency, and trust. It empowers individuals to be active participants in the digital realm, offering a promising vision of a more equitable and user-centric internet.
As Web3 distribution continues to gain momentum, it invites us to reimagine the way we interact with digital platforms, content, and services. Join us on this transformative journey into the world of Web3 distribution, where the internet truly belongs to the users.
|
economics
|
https://info.axiomsw.com/axiomhq-ebanking-add-on-consultation
| 2024-02-27T06:48:34 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474671.63/warc/CC-MAIN-20240227053544-20240227083544-00159.warc.gz
| 0.914267 | 147 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__100304107
|
en
|
Discover the ease and efficiency of automatic vendor payment processing right from your ERP system.
Eliminate the need for mailed printed checks or manually entering payment information into your bank website. With AxiomHQ/eBanking, all payment data is transmitted to your banks and financial institutions in real time. Streamline vendor payments with an automated, digitized payment processing system—directly from AxiomHQ.
AxiomHQ/eBanking currently supports the electronic transmission of the following payment data types to your banks:
We’d love to talk to you about how AxiomHQ/eBanking can improve your payment processes.
Your free consultation is the first step in building a truly integrated ERP platform.
|
economics
|
https://www.lapalmagrill.com/about
| 2021-09-17T06:47:19 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780055601.25/warc/CC-MAIN-20210917055515-20210917085515-00716.warc.gz
| 0.941903 | 156 |
CC-MAIN-2021-39
|
webtext-fineweb__CC-MAIN-2021-39__0__145907153
|
en
|
The state of Zacatecas (Spanish pronunciation: [sakaˈtekas]), located in the north-central portion of the Mexican Republic, is a land rich in cultural, religious, and historical significance. With over 28,900 square miles, Zacatecas is Mexico's eighth largest state. With a population of 1,441,734 inhabitants, Zacatecas depends upon cattle-raising, agriculture, mining, communications, food processing, tourism, and transportation for its livelihood.
Although much of Zacatecas is desert, the primary economic driver of the state is agriculture. Zacatecas is Mexico's foremost producer of beans, chili peppers, and cactus leaves, and holds second place in guava production, third in grapes, and fifth in peaches.
|
economics
|
https://mcdougalldesigns3d.com/blogs/news/shipping-policy-change-and-news-update-7-13-2022
| 2024-04-16T04:32:37 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817043.36/warc/CC-MAIN-20240416031446-20240416061446-00064.warc.gz
| 0.966833 | 238 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__167370578
|
en
|
Greetings to my customers, friends and fellow hobbyists the world over.
As you may know, the Covid-19 pandemic and the resultant supply-chain issues have caused shipping prices to soar over the last few years. Unfortunately, these rising costs have crashed home here at McDougall Designs.
In preparation for shipping the Mantic games products currently on their way to me, I have done some research into shipping costs for larger box sizes and weights. Especially for the size and weight you would expect to see with regards to army sets.
After looking at the numbers, I have decided (effective immediately) to raise the free shipping threshold on domestic plastics orders to $100. Orders ranging between $50 and $99.99 will have a flat $10 shipping fee.
International rates have also varied wildly, but as less than 10% of my sales are international I intend to deal with these on a case by case basis. I will be keeping an eye on the situation and will make an update on the blog for transparency.
Thank you all for your continued support of my small business, especially through these uncertain times.
|
economics
|
https://santaichinh.com/elon-musk-bitcoin-on-the-verge-of-broad-acceptance/
| 2021-03-03T09:13:14 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178366477.52/warc/CC-MAIN-20210303073439-20210303103439-00078.warc.gz
| 0.967013 | 123 |
CC-MAIN-2021-10
|
webtext-fineweb__CC-MAIN-2021-10__0__155729889
|
en
|
Elon Musk, the billionaire founder of Tesla
, has said he thinks the cryptocurrency bitcoin is on “the verge” of breaking into traditional finance.
Musk, who revealed last month he is open to being paid in bitcoin, made the comments during an interview on the app Clubhouse.
“I do at this point think bitcoin is a good thing,” Musk told a packed Clubhouse chat room.
“I am a supporter of bitcoin. I am late to the party but a supporter. Bitcoin is on the verge of getting broad acceptance by traditional finance people.”
|
economics
|
https://blog.creativetools.se/en/creative-tools-acquires-autodesk-sales-from-megafront/
| 2024-02-21T22:25:54 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473558.16/warc/CC-MAIN-20240221202132-20240221232132-00244.warc.gz
| 0.935879 | 459 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__109462114
|
en
|
To continue providing personalized contact for studios and companies in the VFX and Media & Entertainment industry, Creative Tools based in Halmstad and Megafront based in Falun have decided to enter into a collaboration. The collaboration means that Megafront will end its distribution rights of Autodesk products and hand over the sales to Creative Tools.
As of April 27, 2023, the transfer of the distribution rights of Autodesk products from Megafront to Creative Tools has taken place and Creative Tools takes over the Autodesk customer base that Megafront has managed for 23 years. The collaboration between the two parties aims to continue benefiting the industry and provide customers with knowledgeable and personalized direct contact with a local Swedish reseller of Autodesk products.
As suppliers around the world demand increasingly high sales requirements from resellers, the proportion of local resellers will decrease significantly. By Creative Tools taking over the sales of Autodesk products, Megafront and Creative Tools are trying to create good conditions for one Autodesk reseller in the region.
“Creative Tools is proud to take over Megafront’s Autodesk customer base and looks forward to continuing to offer personalized and knowledgeable contact to our new customers. With 20 years of experience in the industry, we are confident that we will be as good a partner as Megafront has proven to be,” says Malin Enting, CEO of Creative Tools.
“This collaboration benefits the industry and is in the customer’s best interest. Since our inception in 2000, Megafront has always cherished long and good relationships. We want customers to continue to put themselves on the map through amazing work in VFX and M&E, and now that is done by Creative Tools managing the Autodesk relationships we have built over the years,” says Magnus Björkman, CEO of Megafront.
The collaboration only includes companies that are Autodesk customers of Megafront. Megafront will continue to offer sales and service with the same team as before for other software products from their suppliers.
For more information, please contact:
Malin Enting, VD Creative Tools
Magnus Björkman, VD Megafront
|
economics
|
http://www.gicthevillacollection.com/carbon-offset.htm
| 2013-12-05T16:09:29 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386163046801/warc/CC-MAIN-20131204131726-00086-ip-10-33-133-15.ec2.internal.warc.gz
| 0.951571 | 304 |
CC-MAIN-2013-48
|
webtext-fineweb__CC-MAIN-2013-48__0__173636522
|
en
|
Sunvil Holidays reports a positive uptake for its opt-out carbon offset policy. In May, 56% of its customers paid to carbon-neutralise their travel - up from 47% in April. The scheme was introduced last year for 2007 brochures.
Sunvil Holidays took the bold step - one of the first UK tour operators of any size to do so - of including the carbon offset fee automatically on all holiday invoices. Customers have the choice of opting out by simply deducting the cost, which is listed separately, from their holiday invoice.
Noel Josephides, managing director of Sunvil Holidays, says: "Our opt-out charge has tested the water for the entire industry and has proven that the majority of consumers are genuinely concerned about responsible travel, with the percentage of take-up still rising.
"While we realise carbon offsetting is not a complete answer, we hope that these small steps will act as a catalyst for others to follow, which will in turn go some way to safeguarding the planet," he adds.
The carbon offset charge of a return flight to the Azores or Cyprus with Sunvil Holidays is £3.60 pp, while flights to Greece cost £2.83 pp. Money collected by Sunvil is donated to two carbon offset initiatives in Retezat National Park in Romania - the implementation of solar power at visitor and community centres and information points, and a new car park to reduce car access into the heart of the forest.
|
economics
|
https://investors.supreme.co.uk/corporate-governance/
| 2024-02-28T20:07:23 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474744.31/warc/CC-MAIN-20240228175828-20240228205828-00666.warc.gz
| 0.924854 | 510 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__169660998
|
en
|
Supreme’s directors recognise the importance of high standards of corporate governance and Supreme follows the QCA Corporate Governance Code for Small and Mid-Size Quoted Companies
Our board meets regularly and is responsible for formulating, reviewing and approving our strategy, budgets, performance, major capital expenditure and corporate actions.
We have an audit committee, a remuneration committee and a disclosure committee with formally delegated rules and responsibilities.
The Audit Committee will have the primary responsibility of monitoring the quality of internal controls to ensure that the financial performance of the Group is properly measured and reported on. It will receive and review reports from the Group’s management and external auditors relating to the interim and annual accounts and the accounting and internal control systems in use throughout the Group. The Audit Committee will meet not less than three times in each financial year and will have unrestricted access to the Group’s external auditors. The members of the Audit Committee shall include two Non-executive Directors. The Audit Committee comprises Simon Lord (as Chair), Paul McDonald and Mark Cashmore.
The Remuneration Committee will review the performance of the Executive Directors, chairman of the Board and senior management of the Group and make recommendations to the Board on matters relating to their remuneration and terms of service. The Remuneration Committee will also make recommendations to the Board on proposals for the granting of share options and other equity incentives pursuant to any employee share option scheme or equity incentive plans in operation from time to time. The Remuneration Committee will meet as and when necessary, but at least twice each year. In exercising this role, the Directors shall have regard to the recommendations put forward in the QCA Code and, where appropriate, the QCA Remuneration Committee Guide and associated guidance. The members of the Remuneration Committee shall include two Non-executive Directors. The Remuneration Committee comprises Mark Cashmore (as Chair), Simon Lord and Paul McDonald.
The Nomination Committee will lead the process for board appointments and make recommendations to the Board. The Nomination Committee shall evaluate the balance of skills, experience, independence and knowledge on the board and, in the light of this evaluation, prepare a description of the role and capabilities required for a particular appointment. The Nomination Committee will meet as and when necessary, but at least once each year. The Nomination Committee comprises Mark Cashmore (as Chair), Simon Lord and Paul McDonald.
To view Supreme’s QCA Corporate Governance Code Compliance Statement please click here.
|
economics
|
https://gamtostyrimai.lt/en/projects/projects-supported-by-the-eu/establishment-of-the-joint-nature-research-centre-jnrc_1
| 2021-08-05T21:19:27 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046157039.99/warc/CC-MAIN-20210805193327-20210805223327-00225.warc.gz
| 0.898095 | 583 |
CC-MAIN-2021-31
|
webtext-fineweb__CC-MAIN-2021-31__0__173698461
|
en
|
Establishment of the Joint Nature Research Centre (JNRC)
Projects leader: Aušra Stankuvienė
Project code: VP2-1.1-ŠMM-04-V-01-008
Project executor: Nature Research Centre
Project name: Establishment of the Joint Nature Research Centre (JNRC)
In accordance with the Executive Order No V-59 “On allocation of funds according to the measure VP2-1.1-ŠMM-04-V ‘Strengthening of the general infrastructure of research and studies’ of priority 1 ‘R&D intended for the growth of business competitiveness and economy’ of the Program of Economic Growth for 2007-2013” of the Minister of Education and Science of the Republic of Lithuania dated 14 Jan 2010, the EU funds and certain budgetary allocations of the Republic of Lithuania are appropriated for the project to be run by the Nature Research Centre to establish the Joint Nature Research Centre (JNRC). The new centre will focus on nature R&D. The project is one of the measures (projects) to implement the development program of the Integrated Science, Studies and Business Centre (Valey) “Santara”. The necessity of the project was conditioned by old-dated R&D infrastructure inadequate for the state-of-the-art research challenges, a need for up-to-date scientific works, concentration of scientific potential and top-level research related to ecosystems and sustainable development. The target groups of the project are scientists, researchers, students attaining master and doctoral degrees, as well as businessmen and public institutions carrying on R&D activities. The project is intended to be implemented until 30 September 2014. In the course of the project, a set of research laboratories will be built on the existing foundations in the premises of the Nature Research Centre of Vilnius University at Akademijos St 2, Vilnius, three open access centres will be created:
- Centre of Ecotoxicology;
- Centre of Biotaxonomy, Ecology and Molecular Research;
- Centre of Georeserach, and new research laboratory equipment (3 sets) to service the centres will be acquired.
The partner of the project is Vilnius University.
The Nature Research Centre and the Faculty of Natural Sciences of Vilnius University will form the general natural sciences and studies system and the infrastructure of JNRC. The fixed assets created and acquired in the course of the project will belong to the Nature Research Centre and the Faculty of Natural Sciences of Vilnius University. Expenses for infrastructure and required reinvestments will be covered by the Nature Research Centre and the Faculty of Natural Sciences of Vilnius University, from income the size whereof is calculated taking into account better possibilities of institutions to perform greater amounts of contract works.
|
economics
|
http://kmiawards.ca/index.php/nominate?award_id=142
| 2018-08-15T13:22:19 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-34/segments/1534221210105.8/warc/CC-MAIN-20180815122304-20180815142304-00299.warc.gz
| 0.912838 | 160 |
CC-MAIN-2018-34
|
webtext-fineweb__CC-MAIN-2018-34__0__45908362
|
en
|
THE AWARD FOR DIVERSIFIER OF THE YEAR
This award goes to the brokerage (regardless of size) that has been most success in expanding its business model beyond mortgage originations, to incorporate services such as insurance, syndicate mortgage referrals, real estate sales, financial planning, etc, and in the process has created synergies for the operation as a whole. The category will consider nominations from brokerages that have implemented such plans, effectively broadening existing revenue streams and leveraging the success of an existing book of mortgage clients.
Judges will consider submitted collateral explaining the business model, brokerage strategy, revenue growth 2015 post-diversification, client testimonials, etc.
The nomination for this event is now closed.
Please check out our upcoming events.back to all awards
|
economics
|
https://artezpress.artez.nl/en/terms-and-conditions/
| 2023-09-29T23:56:52 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510529.8/warc/CC-MAIN-20230929222230-20230930012230-00065.warc.gz
| 0.937307 | 2,482 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__118446225
|
en
|
Table of Contents
- Identity of the Entrepreneur
- The Offer
- The Agreement
- Right of Withdrawal
- Costs in Case of Withdrawal
- Exclusion of Right of Withdrawal
- The Price
- Conformity and Warranty
- Delivery and Implementation
- Complaints Procedure
- Additional or Different Provisions
Article 1. Definitions
In these conditions the following terms have the following meanings:
- Reflection period: the period within which the consumer can make use of his right of withdrawal;
- Consumer: the natural person who does not act in the exercise of a profession or business and who enters into a distance contract with the entrepreneur;
- Day: calendar day;
- Durable medium: any means that enables the consumer or entrepreneur to store information that is addressed to him personally in a way that enables future consultation and unaltered reproduction of the stored information.
- Right of withdrawal: the option for the consumer to cancel the distance contract within the cooling-off period;
- Entrepreneur: the natural or legal person who offers products and / or services to consumers from a distance;
- Distance contract: an agreement whereby, in the context of a system organized by the entrepreneur for the distance sale of products and / or services, up to and including the conclusion of the agreement, only one or more techniques for communication are used. distance;
- Technology for distance communication: means that can be used to conclude an agreement, without the consumer and entrepreneur being together in the same room at the same time.
Article 2. Identity of the Entrepreneur
Chamber of Commerce number: 09109756
VAT identification number: NL808578765B01
Article 3. Applicability
- These general terms and conditions apply to any offer from the entrepreneur and to any distance contract concluded between the entrepreneur and the consumer.
- Before the distance contract is concluded, the text of these general terms and conditions will be made available to the consumer. If this is not reasonably possible, before the distance contract is concluded, it will be indicated that the general terms and conditions can be viewed at the entrepreneur and that they will be sent free of charge as soon as possible at the request of the consumer.
- If the distance contract is concluded electronically, contrary to the previous paragraph and before the distance contract is concluded, the text of these general terms and conditions can be made available to the consumer electronically in such a way that they are consumer can be easily stored on a durable data carrier. If this is not reasonably possible, before the distance contract is concluded, it will be indicated where the general terms and conditions can be inspected electronically and that they will be sent free of charge electronically or otherwise at the request of the consumer.
Article 4. The Offer
- If an offer has a limited period of validity or is made subject to conditions, this will be explicitly stated in the offer.
- The offer contains a complete and accurate description of the products and / or services offered. The description is sufficiently detailed to enable the consumer to make a proper assessment of the offer. If the entrepreneur uses images, these are a true representation of the products and / or services offered. Obvious mistakes or errors in the offer are not binding for the entrepreneur.
- Each offer contains such information that it is clear to the consumer what rights and obligations are attached to accepting the offer. This concerns in particular:
- the price including taxes;
- the possible costs of delivery;
- the way in which the agreement will be concluded and which actions are required for this;
- whether or not the right of withdrawal applies;
- the method of payment, delivery and implementation of the agreement;
- the term for accepting the offer, or the term within which the entrepreneur guarantees the price;
- whether the agreement will be filed after it has been concluded, and if so, how it can be consulted by the consumer;
- the way in which the consumer, before concluding the agreement, can check the information provided by him under the agreement and, if necessary, restore it;
- any other languages in which, in addition to Dutch, the agreement can be concluded;
- the behavioral codes to which the entrepreneur is subject and the way in which the consumer can consult these behavioral codes electronically.
Article 5. The Agreement
- Subject to the provisions of paragraph 4, the agreement is concluded at the moment the consumer accepts the offer and meets the corresponding conditions.
- If the consumer has accepted the offer electronically, the entrepreneur will immediately confirm receipt of the acceptance of the offer electronically. As long as the receipt of this acceptance has not been confirmed by the entrepreneur, the consumer can dissolve the agreement.
- If the agreement is concluded electronically, the entrepreneur will take appropriate technical and organizational measures to secure the electronic transfer of data and he will ensure a safe web environment. If the consumer can pay electronically, the entrepreneur will take appropriate security measures.
- The entrepreneur may — within legal frameworks — inquire whether the consumer can meet his payment obligations, as well as all those facts and factors that are important for a responsible conclusion of the distance contract. If, on the basis of this investigation, the entrepreneur has good reasons not to enter into the agreement, he is entitled to refuse an order or request or to attach special conditions to the implementation.
- The entrepreneur will send the following information with the product or service to the consumer, in writing or in such a way that it can be stored by the consumer in an accessible manner on a durable medium:
- the visiting address of the business location of the entrepreneur where the consumer can go with complaints;
- the conditions under which and the way in which the consumer can make use of the right of withdrawal, or a clear statement regarding the exclusion of the right of withdrawal;
- information about guarantees and existing service after purchase;
- the information included in article 4 paragraph 3 of these terms and conditions, unless the entrepreneur has already provided this information to the consumer before the execution of the agreement;
- In the event of an extended transaction, the provision in the previous paragraph applies only to the first delivery.
Article 6. Right of Withdrawal
- When purchasing products, the consumer has the option to dissolve the contract without giving any reason within 14 days. This reflection period commences on the day after receipt of the product by the consumer or a representative designated in advance by the consumer and announced to the entrepreneur.
- During the reflection period, the consumer will handle the product and packaging with care. He will only unpack or use the product to the extent necessary to assess whether he wishes to keep the product. If he makes use of his right of withdrawal, he will return the product with all accessories and — if reasonably possible — in the original condition and packaging to the entrepreneur, in accordance with the reasonable and clear instructions provided by the entrepreneur.
Article 7. Costs in Case of Withdrawal
- If the consumer makes use of his right of withdrawal, the costs of return shall not exceed the cost of the return.
- If the consumer has paid an amount, the entrepreneur will refund this amount as soon as possible, but no later than 30 days after the return or cancellation.
Article 8. Exclusion of Right of Withdrawal
- The entrepreneur can exclude the consumer’s right of withdrawal insofar as provided for in paragraphs 2 and 3. The exclusion of the right of withdrawal applies only if the entrepreneur has clearly stated this in the offer, at least in time for the conclusion of the agreement.
Article 9. The Price
- During the period of validity stated in the offer, the prices of the products and / or services being offered will not be increased, except for price changes as a result of changes in VAT rates.
- Price increases within 3 months after the conclusion of the agreement are only permitted if they are the result of statutory regulations or provisions.
- Price increases from 3 months after the conclusion of the agreement are only permitted if the entrepreneur has stipulated this and:
- they are the result of statutory regulations or provisions; or
- the consumer has the authority to cancel the agreement on the day on which the price increase takes effect.
- The prices stated in the offer of products or services include VAT.
Article 10. Conformity and Warranty
- The entrepreneur guarantees that the products and / or services comply with the agreement, the specifications stated in the offer, the reasonable requirements of reliability and / or usability and the legal requirements existing on the date of the conclusion of the agreement. A guarantee provided by the entrepreneur, manufacturer or importer does not affect the legal rights and claims that the consumer can assert against the entrepreneur on the basis of the agreement.
Article 11. Delivery and Implementation
- The entrepreneur will take the greatest possible care when receiving and implementing orders for products and when assessing applications for the provision of services.
- The place of delivery is the address that the consumer makes known to the company.
- With due observance of what is stated in article 4 of these general terms and conditions, the company will execute accepted orders with due speed, but no later than 30 days unless a longer delivery period has been agreed. If the delivery is delayed, or if an order cannot or only partially be executed, the consumer will be notified of this no later than 30 days after placing the order. In that case, the consumer has the right to terminate the agreement without costs.
- In case of dissolution in accordance with the previous paragraph, the entrepreneur will refund the amount that the consumer has paid as soon as possible, but no later than 30 days after dissolution.
- If delivery of an ordered product proves impossible, the entrepreneur will endeavor to provide a replacement article. At the latest upon delivery, it will be stated in a clear and comprehensible manner that a replacement item is being delivered. For replacement items right of withdrawal can not be excluded. The costs of a possible return shipment are for the account of the entrepreneur.
- The risk of damage and / or loss of products rests with the entrepreneur until the moment of delivery to the consumer or a representative designated in advance and announced to the entrepreneur, unless expressly agreed otherwise.
Article 12. Payment
- Unless otherwise agreed, the amounts owed by the consumer must be paid within 14 days after the start of the reflection period as referred to in Article 6 paragraph 1. In the event of an agreement to provide a service, this period commences. after the consumer has received the confirmation of the agreement.
- The consumer has the duty to report inaccuracies in provided or stated payment details to the entrepreneur without delay.
- In the event of non-payment of the consumer, the entrepreneur has the right, subject to legal restrictions, to charge the reasonable costs made known to the consumer in advance.
Article 13. Complaints Procedure
- The entrepreneur has a well-publicized complaints procedure and handles complaints in accordance with this complaints procedure.
- Complaints about the implementation of the agreement must be submitted to the entrepreneur promptly, fully and clearly described, after the consumer has discovered the defects.
- Complaints submitted to the entrepreneur will be answered within a period of 14 days from the date of receipt. If a complaint requires a foreseeable longer processing time, the entrepreneur will reply within 14 days with a notice of receipt and an indication when the consumer can expect a more detailed answer.
- If the complaint cannot be resolved by mutual agreement, a dispute arises that is subject to the dispute settlement procedure.
Article 14. Disputes
- Contracts between the entrepreneur and the consumer to which these general terms and conditions apply are exclusively governed by Dutch law.
Article 15. Additional Or Different Provisions
Additional provisions or provisions deviating from these general terms and conditions may not be to the detriment of the consumer and must be recorded in writing or in such a way that they can be stored by the consumer in an accessible manner on a durable data carrier.
|
economics
|
https://designjatra.org/seed-conservation/
| 2022-08-19T19:42:33 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882573760.75/warc/CC-MAIN-20220819191655-20220819221655-00337.warc.gz
| 0.953433 | 595 |
CC-MAIN-2022-33
|
webtext-fineweb__CC-MAIN-2022-33__0__179014871
|
en
|
For the tribal community of Veti Murbad, rice is more than just a crop. It’s a phenomenon which determines how the community behaves throughout the year. No matter where the villager has gone to work during the summer months, he/she will return back to the farm to plant rice in the rain and wait in the village (or take up work only in the proximity) till the harvest and processing is done. Various festivals, gatherings, marriages and even economic cycles are intertwined with the sowing, replanting, deweeding, flowering, harvest and processing of rice. However, once a completely free of monetary costs activity, is now a burden to some.
Rice has become a loss making enterprise as voluntary and community sweat equity labour is now replaced by paid one and home grown bulls are now replaced by diesel run tractors. The most degrading shift for this activity however is the shift from natural heirloom seeds to hybrid ones. Native heirloom seed have an intrinsic disaster and pest repellent mechanism. They are developed through generations of planting and hence can be used again and again every season. However hybrid seed demands an intense supply of chemical pesticides and fertilizers. They also entail that the farmers buys seed every year, instead of saving seed like they used to. The bait for temporary high yield sets a permanent trap of market dependence for the farmers.
The seed bank at Veti Murbad is the architectural manifestation of a four year long community seed conservation process initiated by the Jatra in the village. Realizing the importance of rice to the village, the seed bank currently focuses on rice seed conservation. With the help of BIAF, Jawhar, we have been conserving heirloom seeds since the inception of the program and now have started making the seed available for communities and individual farmers.
For the seed bank, we chose to refurbish the old wattle and daub house of one of the founding members of the Jatra, Pratik Dhanmer. With the seed bank, the structure is expected to host the village activities of the Jatra, be a community space for the self help groups that the Jatra deals with, bamboo treatment facility and a workshops space to learn both farming and natural building. With this, the seed bank is expected to be an exhibit of wattle and daub technology. Each wall is done by modifying the traditional wattle and daub so as to suit the modern context. The building of the seed bank is done completely through workshops. It is an attempt to democratize the natural building processes where students and professionals from all fields are invited to assist us in the construction. This is done through various building workshops and volunteering programs. Each workshops adds new life to the seed bank as the batches add their mark to the structure via murals, frescos and wall arts.
Copyright DesignJatra. All rights reserved.
Powered by Greenturtlelab
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economics
|
https://en.mute-labs.com/legal/conditions
| 2024-03-04T02:57:22 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476409.38/warc/CC-MAIN-20240304002142-20240304032142-00821.warc.gz
| 0.94065 | 1,993 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__104486996
|
en
|
I. General Terms and Conditions
§ 1 Basic Provisions
(1) The following terms and conditions apply to contracts that you conclude with us as the supplier (mute-labs GmbH) via the website www.mute-labs.de, unless an amendment is agreed in writing between the parties. Deviating or conflicting terms and conditions are only effective with our express consent.
(2) We only offer our products for sale if you are a natural or legal person or a partnership with legal capacity acting in the exercise of your commercial or independent professional activity when concluding the legal transaction (entrepreneur). The conclusion of a contract with consumers is excluded.
2 Conclusion of the contract
(1) The subject of the contract is the sale of goods. The essential features of the goods can be found in the respective offer.
(2) As soon as the respective product is placed on our website, we submit a binding offer to conclude a contract via the online shopping basket system under the conditions stated in the respective offer.
(3) The contract is concluded via the online shopping basket system as follows:
The goods intended for purchase are placed in the "shopping basket". You can call up the "shopping basket" via the corresponding button in the navigation bar and make changes there at any time.
After calling up the "Checkout" page and entering the personal data as well as the payment and shipping conditions, all order data are finally displayed again on the order overview page.
If you use an instant payment system (e.g. PayPal / PayPal Express, Amazon Payments, Sofort) as a payment method, you will either be taken to the order overview page in our online shop or you will first be redirected to the website of the instant payment system provider.
If you are redirected to the respective instant payment system, make the appropriate selection or enter your data there. Finally, you will be redirected back to our online shop to the order overview page.
Before submitting the order, you have the option of checking all the details again, changing them (also using the "back" function of the Internet browser) or cancelling the purchase. By sending the order via the corresponding button, you declare the legally binding acceptance of the offer, whereby the contract is concluded.
(4) You can also submit a binding contractual offer (order) by telephone, e-mail, fax or post.
The acceptance of the offer (and thus the conclusion of the contract) takes place in the case of an order by telephone immediately or at the latest within 5 days by means of a confirmation in text form (e.g. e-mail) in which the execution of the order or delivery of the goods is confirmed to you (order confirmation).
If you have not received a corresponding message within this period, you are no longer bound to your order. In this case, any services already provided will be refunded immediately.
(5) Upon request, we will provide you with an individual offer, which will be sent to you in text form and to which we are bound for 5 days. You accept the offer with confirmation in text form.
(6) The processing of the order and transmission of all information required in connection with the conclusion of the contract is partly automated by e-mail. You must therefore ensure that the e-mail address you have provided to us is correct, that the receipt of e-mails is technically guaranteed and, in particular, that it is not prevented by SPAM filters.
3 Prices, terms of payment and shipping costs
(1) The prices stated in the respective offers as well as the shipping costs represent net prices. They do not include the statutory value added tax.
(2) The shipping costs incurred are not included in the purchase price; they are charged separately unless free shipping has been promised. Further details can be found under a correspondingly designated button on our website or in the respective offer.
(3) You have the payment options shown under a correspondingly designated button on our website or in the respective offer. Insofar as no other payment deadline is specified for the individual payment methods or on the invoice, the payment claims from the concluded contract are due for payment immediately. The deduction of discounts is only permissible if expressly stated in the respective offer or invoice.
§ 4 Terms of delivery
(1 ) The expected delivery period is stated in the respective offer. Delivery dates and delivery periods are only binding if they have been confirmed by us in writing. In the case of payment in advance by bank transfer, the goods will only be dispatched after we have received the full purchase price and the shipping costs.
(2 ) If, contrary to expectations, a product ordered by you is not available for a reason for which we are not responsible, despite the timely conclusion of an adequate covering transaction, you will be informed immediately of the unavailability and, in the event of withdrawal, any payments already made will be refunded immediately.
(3 ) Partial deliveries are permissible and can be invoiced by us independently, provided that you are not charged additional costs for shipping as a result.
(4 ) If you wish to change the delivery/assembly date or cancel the delivery at short notice, we will incur costs. We therefore reserve the right to invoice you for delivery and assembly costs according to the following scale:
§ 5 Warranty
(1 ) The warranty period is 2 years from delivery of the item. The shortened period does not apply:
- for culpably caused damage attributable to us arising from injury to life, limb or health and for other damage caused intentionally or through gross negligence;
- insofar as we have fraudulently concealed the defect or have assumed a guarantee for the quality of the item;
- for items that have been used for a building in accordance with their normal use and have caused its defectiveness;
- for statutory recourse claims that you have against us in connection with warranty rights.
(2 ) Only our own specifications and the manufacturer's product description shall be deemed agreed as the quality of the item, but not other advertising, public promotions and statements by the manufacturer.
(3 ) In the event of defects, we shall provide warranty at our discretion by rectification or subsequent delivery. If the rectification of defects fails, you may, at your discretion, demand a reduction in price or withdraw from the contract. The rectification of defects shall be deemed to have failed after the second unsuccessful attempt, unless the nature of the item or the defect or other circumstances indicate otherwise. In the event of rectification of defects, we shall not have to bear the increased costs incurred by moving the goods to a location other than the place of performance, provided that the move does not correspond to the intended use of the goods.
(4 ) If permanent changes are made to the product (e.g. drilling holes, installation of components other than the product, etc.), any claim to the product warranty is void.
§ 6 Right of retention, retention of title
(1) You may only exercise a right of retention insofar as it concerns claims from the same contractual relationship.
(2) We retain title to the goods until all claims arising from the current business relationship have been settled in full. Prior to the transfer of ownership of the reserved goods, a pledge or transfer of ownership by way of security is not permitted.
(3) You may resell the goods in the ordinary course of business. In this case, you hereby assign to us all claims in the amount of the invoice that accrue to you from the resale, and we accept the assignment. You are further authorised to collect the claim. However, insofar as you do not properly fulfil your payment obligations, we reserve the right to collect the claim ourselves.
(4) If the reserved goods are combined and mixed, we shall acquire co-ownership of the new item in the ratio of the invoice value of the reserved goods to the other processed items at the time of processing.
(5) We undertake to release the securities to which you are entitled at your request insofar as the realisable value of our securities exceeds the claim to be secured by more than 10%. The selection of the securities to be released is incumbent upon us.
§ 7 Choice of law, place of performance, place of jurisdiction
(1) German law shall apply to the exclusion of the UN Convention on Contracts for the International Sale of Goods.
(2) Place of performance as well as place of jurisdiction is our registered office, as far as you are a merchant, a legal entity under public law or a special fund under public law. The same applies if you do not have a general place of jurisdiction in Germany or the EU.
1. Identity of the Seller
Phone: 030-397 119 96
2 Information on the conclusion of the contract
The technical steps for the conclusion of the contract and the conclusion of the contract itself, as well as the correction options, are carried out in accordance with § 2 of our General Terms and Conditions (Part I).
3. contract language, contract text storage
3.1. contract language is german.
3.2. The complete contract text will not be stored by us. Before sending the order or the enquiry, the contract data can be printed out or electronically saved using the browser's print function.
These GTC have been prepared by the lawyers of the Händlerbund who specialise in IT law and are permanently checked for legal conformity. Händlerbund Management AG guarantees the legal security of the texts and is liable in the event of warnings. You can find more information on this at: http://www.haendlerbund.de/agb-service.
|
economics
|
http://thehomeadventure.com/index.php/category/brazil/
| 2018-01-19T15:08:56 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084888041.33/warc/CC-MAIN-20180119144931-20180119164931-00784.warc.gz
| 0.972701 | 1,291 |
CC-MAIN-2018-05
|
webtext-fineweb__CC-MAIN-2018-05__0__85172445
|
en
|
Mr. Igor Cornelsen is a leading Brazilian banker and financial advisor who has spearheaded investment strategies. He is the proprietor of Bainbridge, Inc. who helped to back Brazilian banks when the country was going through some economic turbulence. Brazil is now experiencing a good economic surge and Igor Cornelsen is leading the charge. He is inviting key players to partner with the country and invest in foreign property again. To help investors, Mr. Cornelsen is providing insight into the safe and proper way to avoid pitfalls and maximize your personal gains without taking too much risk.
Firstly, Mr. Cornelsen suggests that investors become familiar with Brazilian currency laws. Brazil has varied exchange rates and getting to know them would be advantageous. Also, an authorized bank for exchange transactions is required if you are not a resident or a local business. Next, Igor understands his native country and networking is vital to accomplish any investment transactions. He suggests that you establish local business relationships and begin networking.
Brazil is a country that has lots of focus aptitude business owners, especially those between the ages of 18 and 64 who are self-staring entrepreneurs. Brazilians want their country to be economically sound so they are eager to talk to people who want to invest in their homeland and who are ready to petition innovative ideas. Lastly, Igor Cornelsen said to be prepared for lots of governmental red tape.
The Brazilian government has been through a lot and the economy is coming back but it is still frangible, which is why there are many regulations to help protect its economy. Before you sign up to invest in Brazilian property, do your research to prepare yourself to avoid some regulations and to embrace others. Mr. Cornelsen’s investment firm is helping investors navigate the rocky economic waters in Brazil.
His success rate proceeds his reputation as a professional investor whose investment strategies yield great returns. Igor says that the Brazilian government carries a reputation for its stiff regulations but this is changing. Brazil is a worthwhile investment location but it can be a nightmare if you don’t work within and around their regulations and become familiar with exchange rate transactions. Mr. Cornelsen said that investors must make erudite decisions first and his firm is ready to help and guide investors through the lucrative Brazilian maze for greater returns.
The oldest serving bank official in the world finally threw in the towel and opted to resign at the age of ninety-one years. The exit of Mr. Lazaro de Mello Brandao comes as a surprise since he served the bank as President for as long as many can remember. He gave the bank a total of 75 years of service. He will now be replaced by the current Chief Executive Officer Mr. Luiz Carlos Trabuco Capp. The exit has already seen industry observers and investors speculate on the possible CEO replacements. Banco Bradesco has over the past several years developed a culture of picking executive officials from its talent pool. The strategy of tapping into its own human capital as opposed to looking elsewhere has been one of the secrets of Bradesco Bank’s growth.
Luiz Carlos Trabuco Capp will now hold the two positions until a new Chief Executive Officer is appointed in March next year. Luiz Carlos Trabuco Capp attempting to calm speculations indicated that the bank will follow a specified procedure that will take the next few weeks. In any case, we already know the next CEO will be one of the well-performing executive officers of the bank. This has however not stopped analysts from speculating. Some of the names thrown around as possible replacements include; Domingos Figueiredo Abreu the current head of the bank’s treasury, Mauricio Machado de Minas the head of IT, Josué Augusto Pancini the head of the bank branch network, Alexandre da Silva Gluher the chief risk officer, André Rodrigues Cano the head of human resource, and Octavio de Lazari who heads the bank’s insurance unit. The bank does not face any shortfall of talent in this case.
For the next months, however, Luiz Carlos Trabuco Capp will continue to juggle both responsibilities. Having risen through the ranks of Banco Bradesco, few people match his knowledge of the bank’s operations. Luiz Carlos Trabuco Capp started working as a bank teller for Bradesco when he was only eighteen years old in 1969. His rise up the ranks began soon after. He became branch manager after a few years, then moved on to be a district manager and a regional manager in a span of 15 years. He was then appointed the marketing director where he served for the 8 years leading to 1992.
By this time the Banco Bradesco had begun to tap Luiz Carlos Trabuco Capp for strategic assignments. In 1992, he was appointed the Chief Executive Officer of Bradesco Vida Previdencia a private pensions firm owned by the bank. Following successful growth at the Pensions Firm, Luiz Carlos Trabuco Capp was Elected Managing Director of Banco Bradesco in 1998 and a year later he became the Executive Vice President. In 2003, he was appointed the President of Bradesco Seguros which was composed of eight companies. It was here that Luiz Carlos Trabuco Capp proved that he was ready for even bigger responsibilities. Under his management, Bradesco Seguros grew astronomically doubling its size. He saw it grow its market niche to 25 percent of the Brazilian market. He guided the insurance company under Bradesco Seguros to become the largest in Latin America by market share.
When the bank was looking for its 4th President in 2009, it was inevitably natural that Luiz Carlos Trabuco Capp will be selected. Nobody had made more progress for the bank than he had done in a period of 40 years. As CEO of Bradesco, he navigated the bank through the financial crisis of 2008/2009. By 2015, the bank was healthy enough to take over HSBC Brazil. The takeover expanded Banco Bradesco’s market niche further. For more information visit:http://www.camar.sp.gov.br/images/imagesnoticias/851/principal.html
|
economics
|
https://windcarrier.com/media/news/o-m-jack-up-vessel-to-join-the-fred-olsen-windcarrier-fleet/
| 2024-04-22T08:37:46 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818105.48/warc/CC-MAIN-20240422082202-20240422112202-00177.warc.gz
| 0.933392 | 626 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__161424501
|
en
|
Fred. Olsen Windcarrier has signed a long-term time charter with Falcon Global for their jack-up vessel Jill. The jack-up vessel will be an integrated part of the Fred. Olsen Windcarrier jack-up fleet for offshore wind, where she will be under commercial management of Fred. Olsen Windcarrier. She will be working out of Europe and mainly carry out O&M work in offshore wind.
"We look forward to showing the offshore wind market what this vessel is capable of."
The vessel is currently on a heavy lift vessel across the Atlantic from the Gulf of Mexico, and she is ready to commence work in Europe from mid-April 2019. Jill´s first job in Europe will be suction bucket installation tests out of Frederikshavn in Denmark together with Universal Foundation scheduled to commence 2nd half of April. The first contracts for main component exchanges will take place shortly after arrival.
“With Jill joining our fleet, Fred. Olsen Windcarrier can provide a competitive vessel to the O&M market for the 3-5 MW offshore wind turbines. Jill is capable of servicing up to 80% of the installed offshore wind base and we look forward to showing the offshore wind market what this vessel is capable of. Apart from using her for major component exchanges within O&M, she can among other things also be used for offshore accommodation and for blade transportation”, said Casper Toft, Chief Commercial Officer, Fred. Olsen Windcarrier.
“We are pleased to have Jill join our fleet. This agreement will strengthen our relationship with Falcon Global and give us valuable experience in working together to provide services to clients. We will combine the American crew with the Fred. Olsen Windcarrier experience and safe hands from the offshore wind industry”, said Alexandra Koefoed, Managing Director, Fred. Olsen Windcarrier.
Jill is a smaller and lighter jack-up vessel than the existing Terns in the Fred. Olsen Windcarrier fleet. She is equipped with 102 m long legs, a rack and pinion hydraulic jacking system, a large cargo deck and in addition to her main crane, good crane coverage by her three auxiliary cranes. She was built to accommodate 132 persons in addition to crew, this will however be limited to a total of 80 persons in Europe. Jill is capable of transporting WTG components up to 5MW and can carry major components such as gearboxes, generators, transformers, blades and full drive trains for O&M jobs. Furthermore, all required lifting equipment can be supplied.
Falcon Global agreement
In March of 2018, Fred. Olsen Windcarrier announced the cooperation agreement with Falcon Global LLC (a subsidiary of SEACOR Marine Holdings Inc.). The agreement states that each party will exclusively contribute vessels and marine/installation crew to the US market and operate a full spread of offshore wind installation feeder vessels for the US offshore wind market.
Read the press release here: Fred. Olsen Windcarrier and Falcon Global Announce Cooperation Agreement in Offshore Wind
|
economics
|
http://www.pacesetter.net.au/news/are-you-really-making-the-most-of-your-super
| 2021-04-16T17:06:15 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038088245.37/warc/CC-MAIN-20210416161217-20210416191217-00310.warc.gz
| 0.9432 | 724 |
CC-MAIN-2021-17
|
webtext-fineweb__CC-MAIN-2021-17__0__274377681
|
en
|
The Government has announced significant changes to the super reforms that were proposed in the May Budget1. While we view this as a positive outcome with further clarity around super, the reality is that the ability for Australians to put money into this tax effective environment is continually being limited. To really make the most of your super and to benefit from its critical role in your overall financial planning, we invite you to contact us. We would like to discuss with you your super opportunities in the light of the recent Government announcements and to suggest any appropriate changes to your strategy.
The changes to the proposed superannuation reforms are as follows (please note that further changes could result as the legislation passes through the Lower and upper Houses):
- The $500K lifetime Non Concessional Contributions (NCC) Cap has been dropped.
- The Government has instead announced a reduction of the current annual NCC Cap from $180K to $100K from 1 July 2017. This will mean you can continue to contribute NCCs of up to $180K, and use the bring forward rule to $540K this financial year. The 3-year bring forward provisions will remain as per the current provisions based on the lower cap. No Non Concessional Contributions will be allowed once the proposed $1.6 million transfer cap has been reached.
- The reduction to a $25K concessional contributions cap will remain in place and commence from 1 July 2017.
- The concessional contribution catch up provisions have been delayed and will now not commence until the 2019/2020 financial year.
- The Government has confirmed that Division 293 tax on Super will be reduced to individuals with salaries above $250,000 p.a.
- The Government has changed its mind on the removal of the work test for those aged over 65.
While we await the final outcome of the super reforms, we offer three tips to help you make the most of your super.
TIP 1 – Wealth Accumulation
If you are using super to accumulate wealth for a comfortable retirement, you would be wise to consider other tax effective wealth accumulation strategies to complement your super.
TIP 2 – Asset Allocation
If the legislation does cement restrictions on the amount that you can contribute to super, this will place even more pressure on investment returns. The most important influence on your portfolio’s long-term performance is asset allocation. An appropriately diversified portfolio may help you work towards your financial goals and manage your investment risk.
TIP 3 – Investment Choice
There are a plethora of options when it comes to investment portfolios. It is important to make an active choice in relation to how your superannuation is invested. Key issues such as asset class choice, diversification, active management, cost and income generation are all important aspects to consider, with the most appropriate options varying depending on your individual situation.
We encourage you to take up our invitation to discuss your super strategies. Please contact our office on (07) 3808 2808 or email [email protected].
Pacesetter Financial Services and its advisers are Authorised Representatives of Fortnum Private Wealth Pty Ltd ABN 54 139 889 535 AFSL 357306 trading as Fortnum Financial Advisers.
This information (including taxation) is of a general nature only and neither represents nor is intended to be personal advice on any particular matter. Pacesetter Financial Services strongly suggests that no person should act specifically on the basis of the information in this document, but should obtain appropriate professional advice based on their own personal circumstances.
|
economics
|
https://www.chestertons-portugal.com/services/renting-your-property_77
| 2022-10-01T18:20:18 |
s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030336880.89/warc/CC-MAIN-20221001163826-20221001193826-00589.warc.gz
| 0.947214 | 252 |
CC-MAIN-2022-40
|
webtext-fineweb__CC-MAIN-2022-40__0__282515443
|
en
|
Renting your Property
The buy-to-rent business is thriving in Portugal, in both the traditional tourist region of the Algarve as well as the emerging travel hotspots of Lisbon and Porto. With this in mind, Chestertons Portugal offers a rental service for investors looking to turn their property in Portugal into a lucrative rental business.
From long-term lets to holiday rentals, our property management department delivers a complete turnkey solution, making sure that every aspect of renting your property is given the utmost care and attention to detail in order to maximise your rental success.
In addition to working with existing property owners, our excellent sales team can also help and advise on locating and purchasing a buy-to-rent property for new investors in Portugal.
Our professional and reliable team takes care of everything, from responding to holiday enquiries, managing deposits and processing final payments through to organising a professional cleaning service along with property inspection visits to ensure that your property is always found in perfect condition.
But perhaps the biggest benefit of our rental management service is the peace of mind that comes from the knowledge that your property is in safe hands.
Get in touch with the Chestertons Portugal team today to discuss our rental property management service further.
|
economics
|
https://www.northlondontoyota.com/blog/bi-weekly-lease/
| 2023-10-02T01:24:42 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510942.97/warc/CC-MAIN-20231002001302-20231002031302-00544.warc.gz
| 0.887946 | 123 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__134462601
|
en
|
Bi-weekly Lease Payments Now AvailableApr 1st, 2016
Competition Toyota will begin offering a bi-weekly lease payment option starting next week! Toyota Financial Services announced this morning that starting April 4, 2016 bi-weekly payments will replace semi-monthly lease payments.
This will hopefully lower your payments and make it easier to align your car payments with your pay schedule!
- Eligible on all 2016 Toyota models
- Bi-weekly leasing available on 24, 26, 39, 48 and 60 month term
- Eligible on low and standard KM lease
Ask your Product Advisor for more information
|
economics
|
http://www.raleigh.co.uk/company/cycletowork/
| 2017-03-30T06:35:44 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218193284.93/warc/CC-MAIN-20170322212953-00598-ip-10-233-31-227.ec2.internal.warc.gz
| 0.943218 | 387 |
CC-MAIN-2017-13
|
webtext-fineweb__CC-MAIN-2017-13__0__179656945
|
en
|
Cycle to Work scheme
The Cycle to Work scheme is a government initiative that allows you to get a brand new bike and safety equipment for your commute to work - all tax-free!
Raleigh endorses Cyclescheme who work with 2,000 independent bike shops across the country and over 500 brands of bikes to offer a cycle commuting solution for everyone.
Whether you live just a few minutes away from work, have to endure a long train journey or maybe have never even considered cycling to work before; there is a bike out there that can suit your needs perfectly and Cyclescheme is here to help you find it.
Getting a bike through Cyclescheme makes sense. Not only can you save an impressive amount of cash (between 25% - 39%, depending on how much tax you pay) you get to spread the cost over a year and there's no credit check either!
You've got up to £1,000 to spend, so make sure you make the most of the potential savings by getting a bike package that includes everything you need to cycle to work – this includes the essentials like lights, locks, helmets and clothing which can all be bought through the scheme.
FIND OUT MORE:
Visit www.cyclescheme.co.uk/challengeyourself for some top commuting tips from record-breaking Paralympian, Dame Sarah Storey.
To find out how much you can save and to apply online visit www.cyclescheme.co.uk/calculator.
We've put together a handy guide to the types of savings available exclusively through Raleigh stockists:
Any combination of Raleigh products is available through the Cycle to Work scheme up to £1,000.
Just call in at your nearest Raleigh stockist www.raleigh.co.uk/DealerLocator to ask about their involvement in the Cycle to Work scheme.
|
economics
|
https://landscapingplanet.com/how-much-electricity-does-an-irrigation-system-use/
| 2024-04-16T07:06:08 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817073.16/warc/CC-MAIN-20240416062523-20240416092523-00558.warc.gz
| 0.910676 | 1,823 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__2723976
|
en
|
Making informed decisions helps you save money in the long run, especially if you’re in the market for high-efficiency irrigation systems. For instance, knowing how much electricity sprinkler and drip irrigation systems use can help you account for future expenses. So, how much electricity does an irrigation system use?
An irrigation system uses 0.59 kWh/m3 (730 kWh/ac-ft) of electricity. Factors such as the power and efficiency of the pump, lifting the water to the surface, required water pressure, component wears, and leaks influence how much electricity the irrigation system uses.
Today, you’ll learn about how much electricity sprinkler and drip irrigation systems use and the factors influencing how much energy they require. Also, you’ll pick up formulas that you can use to calculate the energy requirements of sprinkler and drip irrigation systems.
What Are the Energy Requirements of an Irrigation System?
Understanding the energy requirements for your irrigation system can help save hundreds, if not thousands, of dollars every year.
The average energy requirements of an irrigation system is 0.59 kWh/m3 (730 kWh/ac-ft). Pump power and efficiency, required water pressure, and vertical lift determines how much electricity these systems use. Component wear and leaks in the system can increase energy usage while reducing efficiency.
However, the energy requirement varies depending on whether you want to use the irrigation system for domestic use. For instance, watering your kitchen garden, greenhouse, and backyard garden isn’t as resource-intensive as maintaining a 1-acre (4046.86 m2) farm.
Factors Influencing Energy Costs of an Irrigation System
Let’s break down the factors determining how much you’ll spend every month on your energy bills.
1. Pump Power and Efficiency
The power rating of the pump is how much force the device has to move water from one location to another. In the U.S., horsepower (hp) is the standard unit of measurement for power. Generally, pumps with high horsepower consume greater amounts of electricity to operate.
Next is how efficiently the pump converts electricity to move the water for irrigation. An ideal system will have 100% efficiency. However, in the real world, the pump has to overcome friction.
Also, if you observe a working pump, you’ll notice it produces heat and noise. According to the second law of thermodynamics, energy can change from one form to another, but it can neither be created nor destroyed.
Following this law, some of the heat (energy) and noise (energy) generated come from electricity (energy).
2. Vertical Lift
The pump of an irrigation system has to draw water from the source and move it to its surface. This distance between the two is known as lift —the greater the lift, the more work the pump has to do while operating. And, the more work the pump has to do, the more money you’ll be spending.
3. Water Pressure
Suppose there isn’t sufficient pressure in the irrigation system. In that case, it results in wastage of water, increasing energy costs.
For example, high water pressure in sprinklers can result in misting. As the water droplets are tiny, they evaporate quickly. Also, winds can push them further away, causing significant water loss.
In this case, the pump will need more water than usual for irrigation, increasing its energy requirements.
4. Component Wear
Component wear is natural due to the presence of impurities in water. Due to the water pressure in the system, these impurities erode various parts of the pump, decreasing its efficiency. The less efficient the irrigation system is, the more money you’ll be spending without results.
Unfortunately, leaks are a problem that irrigation systems may face.
Leaks in the irrigation system increase the water volume required to irrigate the land, resulting in wastage. Therefore, you’re still paying for the same amount of water, but your system is actually supplying less, leading to high expenses with less results to show for it.
How Much Does a Sprinkler System Use?
A sprinkler system uses around 0.5 kWh of electricity a day, depending on the area size, amount of power, and amount of time used. For example, the amount of electricity used for commercial sites will be significantly higher than for residential, due to size, electrical power needed, and more use.
In the sections below, I’ll discuss how to calculate the electricity used for sprinkler irrigation systems, and go over which type of system is best for you.
Calculating Drip and Sprinkler Irrigation Electricity Usage
As highlighted above, several factors influence how much energy an irrigation system requires.
If you want to find out how much electricity drip or sprinkler irrigation will use, you need to consider the following factors:
1. How Much Power the Irrigation System Will Use
Most manufacturers will print how much power the irrigation system will use during operation. If you cannot find this information, a simple search online should give you all the necessary details.
Another way to calculate the electrical power of any appliance is with this formula —
P = V x I.
P is power (measured in watts), V is voltage (measured in volts), and I is current (measured in ampere). The manufacturer will use ‘V’ to indicate the appliance’s voltage and ‘A’ for current.
E.g., If a pump uses 120 volts and 2 amperes, the power of this system is — 120 V x 2 A = 240 W.
2. The Amount of Time You Use the Irrigation System
How long do you plan on using the irrigation system throughout the day? Remember, you need to account for the size of the area you want to water. The larger the site, the more time it’ll take for irrigation.
Once you know the power and time requirements, it’s quite simple to calculate how much electricity the irrigation system will use.
Electrical consumption = Power x Time
Let’s assume you’re using the irrigation system for four hours daily, and its power rating is 240W.
Electrical consumption per day = 240 W x 4 h = 960 Wh
Energy companies measure electrical consumption in kilowatt-hours. Divide the above figure by 1000.
Electrical consumption in kWh = Power in kW ÷ 1000
960Wh ÷ 1000 = 0.96 kWh
To calculate how much it’ll cost, multiply the electrical consumption with the cost per kWh in your area.
Cost of irrigation per day = Electrical consumption in kWh x cost per kWh
Let’s assume it’s 15 cents per kWh.
Cost of irrigation per day = 0.96 kWh x $0.15 = $0.144 per day.
If you need to know the yearly cost, you can multiply the cost of irrigation per day with the number of days you’ve to operate the system.
Yearly irrigation cost = cost of irrigation per day x number of operating days
In this case, let’s say you only need to use the irrigation system for 200 days.
Yearly irrigation cost = $0.144 x 200 = $28.8 a year.
Is There a Difference to a Drip Irrigation System?
You now know how to calculate how much electricity each irrigation system will consume. But, is there a difference to a drip irrigation system? Let’s dive into which one is better in terms of power consumption.
There is a difference to a drip irrigation system. Drip irrigation reduces energy consumption by 50%. Its vertical lift and pressure requirements are low in comparison to sprinkler irrigation. Focused water delivery of drip irrigation also reduces its energy consumption.
The Natural Resources Conservation Service (NRCS) Irrigation Guide explains drip irrigation and its benefits.
However, this doesn’t always mean drip irrigation is the best option. Use the following factors to decide on which irrigation system you should choose:
- Availability of water.
- Climate and soil conditions.
- Energy and equipment costs.
- Plants you want to grow.
If you want to find out how much energy each irrigation system consumes, use this energy estimator from NRCS.
The average electricity consumption of an irrigation system is 0.59 kWh/m3 (730 kWh/ac-ft). Many factors affect the energy these systems require, including:
- Pump power and efficiency.
- Vertical lift.
- Water pressure.
- Component wear.
Regarding energy consumption, drip irrigation offers better value than sprinkler irrigation.
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economics
|
http://vermontwoodsstudios.com/content/buy-tax-free
| 2015-12-01T16:28:47 |
s3://commoncrawl/crawl-data/CC-MAIN-2015-48/segments/1448398468396.75/warc/CC-MAIN-20151124205428-00286-ip-10-71-132-137.ec2.internal.warc.gz
| 0.969198 | 196 |
CC-MAIN-2015-48
|
webtext-fineweb__CC-MAIN-2015-48__0__144776450
|
en
|
We do not collect sales tax for furniture delivered outside of Vermont, however many states do require you as a customer to report your purchase and submit the appropriate sales tax.
If you live in Vermont, our shopping cart will add the mandatory 6% Vermont State Sales Tax, plus any additional applicable local taxes to your invoice. However, watch for special Tax FREE Days offered by our state government. If you've been planning to make a purchase, that's the perfect day to do it -- No Tax! We'll announce Vermont Tax Free Days on our blog.
If you live in another state and are buying furniture and having it shipped to your home outside of Vermont, check with your state sales tax department regarding their policy on Internet purchases. In many states, customers are responsible to pay sales tax to their state department of taxation. E-Commerce Blog provides additional information although the details are constantly changing-- best to treat it as a starting place for your research, rather than an authority.
|
economics
|
https://www.hthackney.com/foodservice/equipment
| 2024-02-25T06:03:55 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474581.68/warc/CC-MAIN-20240225035809-20240225065809-00528.warc.gz
| 0.940566 | 148 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__172556558
|
en
|
Matching your equipment needs.
Every Hackney customer has unique foodservice equipment needs. Whether you already have existing foodservice equipment or have no equipment at all, we work together to develop a foodservice solution that works for you. Plus we provide hands-on equipment and food training, either in store or at one of our facilities.
Easy equipment financing.
H.T. Hackney wants to help you get started. Our easy equipment financing options enable retailers to quickly and easily launch new and exciting food options to their customers and create new profit centers. We also provide examples of average profit margins. H.T. Hackney makes it easy to estimate and calculate your return on investment so that you can know what to expect.
|
economics
|
http://theintelligentindianinvestor.com/what-is-an-ipo/
| 2019-04-26T15:39:12 |
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| 0.980644 | 494 |
CC-MAIN-2019-18
|
webtext-fineweb__CC-MAIN-2019-18__0__120407895
|
en
|
IPO is the short form of Initial Public Offer.
There are two types of markets in the stock market.
1. Primary Market
2. Secondary Market
When we talk about the share or stock market, we are talking about the secondary market. But there is also one more market called the Primary Market.
Primary Market is where we buy shares directly from the company when it offers its shares to the general public for the first time (Initially). Hence the term Initial Public Offer. It is a place where the transition of a company from being privately held to publicly held takes place. Once a company offers its shares to the public, it no longer remains private and becomes a public company. Primary Market is sometimes also called as IPO market.
(In case you don’t understand what privately and publicly held companies are: if you can buy shares of a company it means it is a publicly held company and if not it is a privately held company.)
Secondary Market (a.k.a The Stock Market) is where we buy shares from other persons who have previously bought shares from the company in the primary market and are selling it in the secondary market.
When we buy shares from share market (secondary market) the company doesn’t get any money. We are simply buying shares from some other person and that other person gets the money. (This other person might have bought it directly from the company during its IPO or they may have bought it from yet another person)
But when we buy shares from a primary market, during the IPO of the company, it is only at this time that the company gets money from the public.
So, in conclusion, IPO is the process through which a company transitions from being a privately held company to publicly held company by offering its shares to the general public.
I have already covered How to buy shares in the secondary market in my previous article. In case you are wondering how to buy shares directly from the company during its IPO, I will soon write an article explaining the same.
I want to thank you for reading this article. I truly appreciate that. I hope by reading this article now you understand what is an IPO. If you have any queries, questions or suggestions please comment below. If you liked this article share it with your friends and keep coming to this blog for more articles like this.
Thanks again for reading, I will see you in the next post.
|
economics
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https://es.navcoin.org/news/buy-nav-coin-with-euros-on-litebit/
| 2018-02-18T19:46:06 |
s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891812259.18/warc/CC-MAIN-20180218192636-20180218212636-00724.warc.gz
| 0.982535 | 353 |
CC-MAIN-2018-09
|
webtext-fineweb__CC-MAIN-2018-09__0__169342615
|
en
|
Nav Coin is now available for trading on the LiteBit exchange platform. LiteBit trades in Euro pairs, meaning this is the first exchange to offer a NAV / FIAT pairing.
LiteBit operates slightly differently to a regular exchange. Most exchanges consist of buy and sell orders placed by users who have sent their coins to the exchange for trading. If I wanted to buy NAV on an exchange like this, I would have to look at the sell orders placed by users on the order books and place my own buy orders which match those amounts. The trade would then take place and I would be the new proud owner of some NAV.
The way LiteBit works is actually as an exchange service. They list the price they are currently selling NAV at in Euros and how many NAV they have available to purchase. You can then go ahead and purchase NAV at the fixed rate diretly with Euros sent from your bank account.
Once you are at least Tier 1 verified, you are also able to sell NAV to LiteBit at their flat rate. Their trading limits are based on verification levels and range from €350 to €35,000.00 per day.
The spread between buy and sell rates appears to be approximately 6% either way, which is more than you would find on a regular exchange. However, keep in mind that they are cutting out all the hassle and fees involved in selling NAV for BTC and then BTC for EUR and sending it to your bank account which can stack up to at least a few percentage and hours.
The user interface looks very nice and the website itself is easy to use. If you’re in the Eurozone and want to buy or sell NAV directly into Euros, then this is a great option for you.
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economics
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http://lofitech.no/en/
| 2020-01-20T18:08:51 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579250599718.13/warc/CC-MAIN-20200120165335-20200120194335-00393.warc.gz
| 0.95143 | 260 |
CC-MAIN-2020-05
|
webtext-fineweb__CC-MAIN-2020-05__0__13628133
|
en
|
The Lofitech Seal Scarer was developed in 1988 for the fish farming industry, and we have through all these years further developed the scarer to be more powerful, easy to install and work. At the moment we dare say that our seal scarer is the most effective, simplest to install and operate - and the cheapest system in the market.
The interest for Lofitech Seal Scarer is increasing, and the last years we have sold many Seal Scarers to fish farmers and fishing vessels in Norway, Finland, Faroe Islands, Sweden, Spain, Greece, Turkey, Russia, England, Scotland (also governmental institutions), Shetland, Iran, Namibia, South-Africa and Angola as well.
Today every Norwegian salmon farmer that have, or are afraid to get seal problems, has invested in our scarer. Nova Sea AS – a partly owned Marin Harvest salmon farming company in our region – have more than 40 seal scaring systems from Lofitech. They never put salmon into sea without having a Seal Scarer installed at the site at least 4 weeks before the fish come.
We see a new increasing marked in the construction of wind-mill parks, and we have delivered seal scarers to construction companies in Belgium, Denmark, Germany, Netherlands and UK.
|
economics
|
http://woodlinkuk.com/News%20&%20Press/SustainableTimberTropicalHardwoods.htm
| 2017-09-24T21:09:33 |
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| 0.944368 | 1,154 |
CC-MAIN-2017-39
|
webtext-fineweb__CC-MAIN-2017-39__0__108613699
|
en
|
Beautiful and resilient,
hardwoods are highly coveted for home furnishings, furniture and
construction. However, they are also frequently associated with
unsustainable forestry practices and deforestation. Now, a British-based
company, Woodlink UK, offers a raft of sustainably sourced and certified
hardwoods, including a new and innovative product: sustainable,
plantation-grown Lyptus® timber.
Founded in 2007 and based in Halstead, Essex, Woodlink UK was previously
part of Germany's Anders Group timber specialists. Since January 2011 it
is wholly owned and managed by Cyril Williams. The company specializes
in the import and distribution of quality, sustainable timber including
walnut, white oak, maple, cherry, ash and tulipwood, and now Lyptus®.
Its customers include wood importers, timber merchants, builders and
high-class cabinet makers, among others.
Sustainability is an important part of the company's ethos and strategy.
Woodlink UK only trades in environmentally-friendly products from
sustainably-managed sources. It does not trade in tropical woods or
exotic species. All its sawn timber is sourced from North America.
The company has been PEFC certified from the outset. Implementing PEFC
certification across its operations was a relatively straightforward
exercise as the previous parent company, Anders, was already certified,
enabling Woodlink UK to build upon already existing processes and
audits. Today, 70-80% of the products it trades in are certified. The
entire stock of Lyptus® tropical timber is PEFC certified.
Hailing from plantations in near the east coast of Brazil owned and
operated by local company Fibria, Lyptus® is a naturally occurring
hybrid of two species of Eucalyptus tree, Eucalyptus grandis and
Eucalyptus urophylla. It has been developed for quick harvesting –
typically 15-20 years – and offers many of the advantages of traditional
tropical timber – durability, weather-resistance. Crucially, it is grown
on responsibly managed plantations making it a good alternative to
traditional hardwoods such as oak, cherry and mahogany that take decades
longer to mature. The plantations are certified to Brazil's Cerflor
national sustainable forestry standard which is recognized by PEFC
International. Another important feature of this wood is that it is
being grown on plantations which are interspersed with re-introduced
native species from the Atlantic Coastal Forests of Brazil. Thus, at the
same time as offering a sustainable supply of wood, these plantations
are also helping to restore the once severely depleted native forest to
Once harvested, the Lyptus® lumber and decking are produced by the
Aracruz Produtos de Madeira S.A. (APM) sawmill, a joint venture between
Fibria and Weyerhaeuser.
A strong, hardy, durable, rich-coloured wood, Lyptus® lends itself to
many external uses, including as decking and external frames among
others, as well as joinery. It aesthetic appeal was further confirmed at
this year's Royal Horticultural Society Chelsea Flower Show in London,
where it was a key feature of the 'Monaco Garden' – sponsored by the
Principality of Monaco under the patronage of Prince Albert – one of
this year's Gold Medal Winners. The garden's eye-catching Lyptus® wood
decking proved a particular hit with the judges and visiting public
alike. Since the Flower Show, Woodlink UK has reported a substantial
increase in demand for Lyptus® wood decking accompanied by a new-found
awareness of sustainability issues and the importance of certification.
More recently, in August 2011, Woodlink UK was short-listed for a TTJ
Market Development Award. Sponsored by Timber Expo 2011 and Trada
Technology, the TTJ Market Development Awards recognize excellence and a
commitment to sustainability in the timber industry. Now in their 15th
year, the 2011 TTJ Awards will be presented on 15 September 2011, in
London, UK. Woodlink has been nominated for its PEFC-Certified Lyptus®
PEFC certification has certainly yielded benefits for Woodlink UK.
According to company owner Cyril Williams, being able to offer certified
products gives the company a market advantage. Customers are
increasingly demanding certified products from sustainably managed
sources; what is more, they are often prepared to pay a premium for such
products. Similarly, certified products give Woodlink UK access to new
customers and sectors. For example, architects and members of the
building profession are increasingly insisting on using certified
products only. In the current market and commercial environment, this
places a company like Woodlink UK in a more favourable position than
other potentially non-certified suppliers. Now, the introduction of
fully PEFC-certified Lyptus® wood is set to strengthen this position
further. By offering a rapidly renewable, fully sustainable, viable
alternative to tropical timber, Woodlink UK is in a unique position to
be able to respond to customer and market demand while at the same time
making an important contribution to sustainable forest management.
In addition to supplying customers with wood and tropical timber
products, Woodlink UK is also involved in raising awareness among its
customers and members of its supply chain of the importance and benefits
|
economics
|
http://associates.10972831.eco.century21.com/
| 2014-10-01T18:14:58 |
s3://commoncrawl/crawl-data/CC-MAIN-2014-41/segments/1412037663551.47/warc/CC-MAIN-20140930004103-00391-ip-10-234-18-248.ec2.internal.warc.gz
| 0.955201 | 184 |
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|
webtext-fineweb__CC-MAIN-2014-41__0__30383787
|
en
|
I am a Forsyth County resident of almost 13 years and have two young children. Not only do I have an in-depth knowledge of the local real estate market but I am involved in this community. Allow me to help you find your home, your favorite park, the best local restaurant, ballet lessons to baseball practices. My expertise will help you transition from new homeowner to a well informed local!
*Based on a 30-year fixed rate of 4.75% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to
change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for
our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
|
economics
|
http://www.labanknotes.com/2011/01/banco-espanol-de-puerto-rico-50-pesos.html
| 2017-04-24T03:24:22 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917118963.4/warc/CC-MAIN-20170423031158-00280-ip-10-145-167-34.ec2.internal.warc.gz
| 0.946075 | 412 |
CC-MAIN-2017-17
|
webtext-fineweb__CC-MAIN-2017-17__0__317885721
|
en
|
|Banknotes of Puerto Rico 50 Pesos Banknote of 1894, Banco Español de Puerto Rico|
|Puerto Rico paper money 50 Pesos banknote, Banco Español de Puerto Rico|
Puerto Rico banknotes, Puerto Rico paper money and Puerto Rican currency pictures.
This beautiful Spain colonial banknote shows a portrait of Queen Mother and Regent of Spain Maria Cristina on left and Christopher Columbus and his men sighting land at center right.
Puerto Rico began producing banknotes in 1766, becoming the first colony to print 8-real banknotes in the Spanish Empire and which in the Spanish government's approval of subsequent issues.
The situado was discontinued during the 19th century, creating an economic crisis, as a result of Mexico gaining its independence from Spain. Salvador Meléndez Bruna, the colonial governor in office, ordered the issue of provincial banknotes, creating the Puerto Rican peso. However, printing of these banknotes ceased after 1815. During the following decades, foreign coins became the widespread currency. In the 1860s and 1870s, banknotes reemerged. On February 1, 1890, the Banco Español de Puerto Rico was inaugurated and began issuing banknotes. The bank designed four series and placed three in circulation under Spanish rule. In 1895, a Royal Decree ordered the production of provincial peso coins.
On August 13, 1898, the Spanish-American War ended with Spain ceding Puerto Rico to the United States. The Banco Español de Puerto Rico was renamed Bank of Porto Rico and issued bills equivalent to the United States dollar, creating the Puerto Rican dollar. In 1902, the First National Bank of Porto Rico issued banknotes in a parallel manner. Two more series were issued until 1913. After Puerto Rico's economy and monetary system was fully integrated into the United States' economic and monetary system, the Puerto Rican dollars were redeemed for those issued by the United States Treasury.
|
economics
|
https://www.discoverfy.io/case-studies/how-lidl-spain-polish-up-their-product-discoverability-with-a-creative-customer-journey
| 2023-12-01T07:02:22 |
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| 0.964597 | 298 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__192267471
|
en
|
As part of their digital innovation strategy to enhance customer satisfaction, the Spanish team of the international discount retailer Lidl was seeking a leading approach that would make it easier to explore its extensive online inventory.
Even though Lidl is known for offering high-quality grocery products, their catalog is more than just food. Everyweek they offer a new variety of products from household items, apparel, DIY tools and more.
With so many options to choose from, their customers are used to searching for any kind of low-priced offers. But, due to the ever-changing nature of these seasonal items, it became a tiresome task to keep up to date with all the new arrivals.
That’s why when the Christmas season started, Lidl wanted to find a solution that would improve the onsite customer experience and let them:
To make the discovery process simple and deliver a relevant experience to their consumers, Lidl Spain leveraged Discoverfy’s platform to build a Product Recommendation Quiz, which was strategically located to help visitors uncover all the new toys offered on the Christmas season.
By embedding their Gift Finder prominently on their website, consumers can save time and receive personalized product recommendations based on their preferences owing to an engaging quiz that complements their customer journey.
Lidl’s on-site Product Recommendation Quiz not only personalize the customer’s path to purchase, but also yielded the below results:
|
economics
|
https://www.istockphoto.com/photo/yangon-port-myanmar-gm458592519-17854281?st=59c00c7
| 2017-11-25T04:19:36 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-47/segments/1510934809392.94/warc/CC-MAIN-20171125032456-20171125052456-00141.warc.gz
| 0.948446 | 143 |
CC-MAIN-2017-47
|
webtext-fineweb__CC-MAIN-2017-47__0__25872225
|
en
|
Hat, Sun Hat, Adult, Asia, Asian and Indian Ethnicities
Yangon, Myanmar - February 17, 2011: Passengers in a crowded boat watch a flock of seagulls fly about their boat as the driver carefully navigates out of the busy Yangon port. Yangon is the largest city of Myanmar and the Port of Yangon is the country's most import port, handling about 90% of the imports and exports of Myanmar. Tourism is a major source of income for the port which unfortunately has been down since the revolution of 2007 and Cyclone Nargis. The port is also home to many light industry zones, consisting of 2500 factories that account for a large percentage of local employment.
|
economics
|
https://www.designweb3.io/defi-for-ux-designers-web3-design-bootcamp-2022/
| 2024-04-12T18:22:32 |
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| 0.926436 | 7,886 |
CC-MAIN-2024-18
|
webtext-fineweb__CC-MAIN-2024-18__0__87434605
|
en
|
- Swap tokens with Uniswap
- Mint stablecoins with MakerDAO
- Lend crypto with Compound Finance
- Liquidity mining to boost yield with Compound Finance
- Yield farming with Curve Finance
- Automated investing with Yearn Finance
- DeFi dashboard with Zerion & Zapper
- DeFi 2.0 & Stablecoin Wars
- Deep liquidity with OlympusDAO
The previous three design course modules (1, 2, 3) cover important background information on Web3. Now, we enter the Web3 ecosystem, starting with Decentralized Finance (DeFi). This article will quickly give UX Designers a quick understanding of what DeFi is, DeFi’s foundational products, and where DeFi is heading in the future. By the way – there’s also a video version of this article just below.
DeFi, or decentralized finance, refers to a complex ecosystem of dapps that offer financial services without the centralized intermediaries of traditional finance like banks, stock/bond brokers, and fintech companies. It offers foundational services – somewhat infrastructural – that the greater Web3 ecosystem can build on. These services include:
- token swaps (Uniswap and Curve)
- stablecoins for payments (MakerDAO and DAI)
- lending/borrowing crypto (Compound)
- automated fund managers (Yearn Finance)
- dashboards (Zerion)
Just like in traditional finance, DeFi users want to earn yield on their crypto to grow their assets. DeFi is the cutting-edge of fintech. In this course module we review the flagship protocols that have laid the foundations for a thriving DeFi ecosystem. These are some of the most mature and battle-tested dapps in the entire Web3 ecosystem. After discussing them, we move on and talk about the next wave of innovative protocols, called DeFi 2.0.
Swap tokens with Uniswap
Decentralized exchanges (DEXs) allow users to swap between different tokens. It’s a simple use-case, but one of the most foundational dapps in the Web3 ecosystem. Before, users had to temporarily give up custody of their tokens to a centralized exchange to make swaps. DEXs, on the other hand, facilitate token swaps with open-source smart contracts and no intermediaries. Uniswap is one of the most well-known DEXs – let’s see how it works.
After connecting their wallets, users select which token they want to swap from (Token A), and which token they want to swap to (Token B). Uniswap then calculates the exchange rate between this token pair. This tells users how many of Token B they should expect to receive. In the case above, I’m swapping .02 ETH for about 40 DAI, with an estimated network fee of $7.32. I will need to have extra ETH in my wallet to pay this network fee.
Now let’s talk about what is happening under the hood. For example, where did the DAI come from that I swapped into? Decentralized exchanges use a different method than centralized exchanges for making these trades. Centralized exchanges (CEXs) use something called a central limit order book, or CLOB, to match buyers and sellers. Basically, buyers place bids for how much they are willing to pay for an asset, and sellers place bids for how much they are willing to sell an asset. The transaction is executed when there is overlap between the buy and sell bids. An order book for Bitcoin is shown above, where the green area represents buy orders, and the red sell orders.
CLOBs are costly to run on-chain because they are transaction heavy and benefit from fast transaction processing. Thus, DEXs implement a different approach to token swaps. Every token pair you can swap on a DEX has a liquidity pool. So, in the example above, I made my swap using Uniswap’s ETH-DAI liquidity pool. We see $54.82M of tokens are locked in the ETH-DAI liquidity pool, made up of 23.81M DAI and 15.52k ETH. As users make swaps on these liquidity pools by depositing Token A and withdrawing Token B, an algorithm automatically recalculates the exchange rate for the token pair. These algorithms are known as “automated market makers”, or AMMs, and are responsible for updating token prices on DEXs based on supply and demand dynamics.
Now, where do the tokens in the liquidity pools initially come from? Liquidity providers (LPs) are other Web3 users who want to earn yield on their tokens. Uniswap charges a trading fee (0.3%) on each swap, and this trading fee is distributed to the liquidity providers for that pool. LPs deposit Token A and Token B into a liquidity pool, and receive LP tokens in return. At any point, users can burn their LP tokens for their initial liquidity plus whatever trading fees have accrued to them.
So, those are the basics of DEXs. Liquidity providers deposit tokens into liquidity pools to earn trading fees. Traders use these liquidity pools to make token swaps. And, AMM algorithms reprice tokens within liquidity pools based on market conditions. Uniswap is not the only DEX out there. Other DEXs have been created that excel for different use-cases. For example, Balancer allows liquidity pools containing up to 8 different tokens, whereas Uniswap liquidity pools always contain only 2. And, Curve is a DEX focused on stablecoin swaps, resulting in less slippage and reduced risk of impermanent loss.
Speaking of stablecoins… The vast majority of Web3 tokens have volatile prices, but a subset of them, called stablecoins, are designed to maintain a stable price over time. This makes them more attractive as a medium of exchange compared to volatile tokens. As Ryan Selkis puts it, “no one wants to spend currency they believe will be worth 10% more tomorrow, and no one wants to accept currency they think could be worth 10% less tomorrow.” This leads into another foundational DeFi protocol, MakerDAO, which allows users to deposit their volatile tokens (e.g. ETH), and mint stablecoins for tax-free spending.
Mint stablecoins with MakerDAO
In the previous section, we swapped ETH for DAI stablecoins on Uniswap, but this is a secondary market for DAI. DAI is quite unique in how it is minted. DAI comes from a DeFi protocol called MakerDAO, where users deposit volatile assets into a Maker vault and then mint DAI stablecoins.
This is known as a collateralized-debt position (CDP), because the user borrows DAI against their collateral, and pays interest (i.e. “stability fee”) on the loan. In the picture above, users open a vault, deposit ETH into the vault, and then take out a DAI loan. The ETH is locked in the vault until users pay back the DAI loan, which is the principal amount plus whatever interest is owed.
MakerDAO requires that the collateral deposit is worth more than the stablecoin loan. This is known as “over-collateralization”, and is necessary when using volatile assets as collateral. For example, let’s say you deposit 1 ETH (worth $3000), and take out $2000-worth of DAI – this makes for a collateralization ratio of 150% (i.e. over-collateralized). If the price of ETH drops by 20% the collateral is now worth $2400, changing the collateralization ratio to 120%. The vault would still be over-collateralized, but could soon be under-collateralized if the price of ETH continues to drop. In fact, in the ETH-B vault pictured above, MakerDAO automatically liquidates the collateral to pay back the DAI loan, and closes out the vault, when the collateralization ratio drops below 130% (i.e. “min collateralization ratio”).
You may wonder what the point of this is. If these vaults need to be over-collateralized, then you’re essentially borrowing with money you already have. Aren’t loans about spending money you don’t have? We may eventually see under-collateralized crypto loans as Web3 matures. At a minimum we would need verified Web3 identities in order to track who has defaulted on their loans and assign credit scores accordingly. But still, for now, there are beneficial use-cases for crypto-collateralized stablecoins.
These stablecoin loans allow users to go long their collateral asset, while unlocking a portion of its value, in the form of DAI stablecoins, which can be used for payment throughout the rest of the Web3 ecosystem.
For example, if I’m bullish on ETH, and believe it will 2x within a year, then I want to continue holding ETH. In fact, I want to accumulate as much ETH as possible, and certainly do not want to swap my ETH for a stablecoin. Swapping ETH for a stablecoin hurts me in two ways. First, it triggers a tax event, and I will have to pay capital gains on my ETH. Second, I lose exposure to ETH’s upside potential during a bull run. Instead, borrowing DAI against my ETH with a Maker vault does not trigger a tax event, allows me to keep ownership of my ETH, while also freeing up liquidity so I can make payments in the meantime.
MakerDAO’s stablecoin, DAI, is decentralized and maintains its peg to the US dollar without reliance on reserves held by centralized entities, like USDT’s Tether and USDC’s Circle. Stable, decentralized assets are an important DeFi building block, and an open area of experimentation, which we’ll see later on.
You can think of MakerDAO as a protocol for self-loans; however, another class of lending protocols exist, like AAVE and Compound, that support peer-to-peer token lending. Lending protocols like these are foundational to DeFi because they establish lending/borrowing interest rates for a variety of tokens. Now, Web3 tokens have a time-value aspect to them, just like risk-free interest rates for fiat currencies in traditional money markets.
Lend crypto with Compound Finance
Compound creates a peer-to-peer lending marketplace for a variety of Web3 tokens. Suppliers are paid interest for depositing their tokens into lending pools. This has become a popular passive income strategy for Web3 users in DeFi.
Similar to how Uniswap liquidity providers receive LP tokens, Compound suppliers receive cTokens for depositing tokens into lending pools. At any point, users can burn their cTokens for their initial deposit, plus the interest that has accrued. For example, cETH represents ETH that is actively earning interest in Compound.
On the other end of things, borrowers take loans out on these lending pools. Borrowers first must supply tokens to a lending pool, and select to use the token as collateral for a loan.
Just like with MakerDAO, all Compound loans must be over-collateralized based on a collateral factor (similar to collateralization ratio). The collateral factor varies by token, but let’s say it’s 75%. It means I can only borrow up to 75% of the collateral I have deposited. So with $100-worth of Token A collateral, I can borrow at most $75-worth of Token B. This borrow limit is indicated to the user at the bottom of the modal (“Borrow Limit Used”) in the picture above. If the value of a borrower’s collateral drops then he is at risk of liquidation.
To close the position, borrowers repay the token loan back into the lending pool plus the interest payment they owe. Note that interest, for suppliers and borrowers, is paid in the token that is being lent/borrowed. Since I borrowed DAI in the example above, I made a small interest payment of DAI.
Compound is powered by smart contracts that automatically set interest rates based on the liquidity of tokens in the lending pools. Tokens with lower liquidity will have higher interest rates, as supply and demand dictate. These are “floating” interest rates meaning they change over time. Compound calculates an interest rate for each lending pool at every Ethereum block.
You can see why liquidity is important here. The lower the token liquidity, the more it will cost to borrow the token. This issue of liquidity is a challenge for all DeFi protocols – token liquidity is required to get the protocol off the ground, and to continue offering a usable service. Generally, the more liquidity the better, so DeFi protocols compete to attract liquidity to their platform.
So how do DeFi protocols attract liquidity in the first place? Compound was the first to try out liquidity mining. Compound distributes COMP – its native governance token – to its current suppliers and borrowers. This strategy worked well for Compound, and other DeFi protocols followed suit, leading to an explosion in liquidity in summer of 2020 (i.e. DeFi Summer).
Liquidity mining to boost yield with Compound Finance
Notice that suppliers on Compound are actually paid two interest rates. In the example above, where I’ve supplied ETH, one interest rate pays me back in ETH. This is from the interest paid by borrowers on their ETH loan. The other interest rate is paid in COMP. This is Compound’s liquidity mining reward, which is meant to incentivize me to keep my ETH liquidity locked in the protocol.
Back in 2020, Compound minted its COMP governance token with a fixed supply of 10M COMP. 4.2M COMP were allocated to its liquidity mining program, which distributes 1139 COMP tokens across its suppliers and borrowers on a daily basis. This will run for around four years until the allocated COMP runs out.
Compound was the first to implement liquidity mining, but many other DeFi protocols followed suit, using their own governance tokens as reward. These tokens give holders the ability to vote on governance proposals that could be anything from technical improvements to adjusting protocol parameters like interest rates and the list of assets approved for collateral (e.g. MakerDAO). Discussing protocol governance leads to the concept of Decentralized Autonomous Organizations (DAOs). This is an entire course module in itself that will be covered later. For now, understand that DeFi governance tokens have real-world value as they are traded on secondary markets, seen in the picture above.
Compound launched its liquidity mining program in June 2020. Other liquidity mining programs cascaded from there, leading to a boom known as “DeFi Summer”. Liquidity flooded into DeFi protocols as yields increased across the entire ecosystem. Look at the increase in Total Value Locked (TVL) in the chart above. The TVL chart shows all the token liquidity “locked” in all of the DeFi protocols on Ethereum. This could be tokens in DEX liquidity pools, Maker vaults, lending pools, and more. TVL is a great metric for comparing the health of DeFi protocols (e.g. AAVE versus Compound), as well as entire DeFi ecosystems (e.g. Ethereum DeFi versus Solana DeFi).
So far we’ve talked about several ways of earning yield on Web3 tokens, such as becoming a liquidity provider on a DEX, supplying tokens to lending pools, and participating in liquidity mining programs. In the next section we discuss another DeFi yield activity – staking – and show how DeFi users stack multiple yield activities on top of one another to maximize yield. This is known as yield farming.
Yield farming with Curve Finance
Staking is the idea of locking tokens to receive other additional token rewards, paid out over time. This is an odd idea at first, but locking tokens in stake pools can be beneficial to DeFi protocols – let’s look at why this might be.
Remember back to the first section how users receive LP tokens for depositing their tokens in a DEX liquidity pool. Not only is it important for DEXs to initially attract liquidity, but they also must retain liquidity to maintain good UX for its users. Some DEXs encourage users to stake their LP tokens in order to receive additional incentives.
Curve is a DEX for stablecoin swaps that offers this kind of LP token staking. Liquidity providers deposit tokens into a Curve liquidity pool, and receive Curve LP tokens. These LP tokens can be staked in Curve Gauge Pools where the user receives regular payouts of CRV tokens. Users are unable to remove their liquidity so long as their LP tokens are staked, and they are receiving CRV rewards. Do you see how this incentivizes users to keep their liquidity on Curve?
Staking increases yield for Curve liquidity providers. For example, in the first Curve liquidity pool above (“tricrypto2”), the yield is 1.89% from the pool’s trading fees; however, users receive additional yield – anywhere from 4.23% to 10.59% – paid in CRV tokens. This means, if I deposit $100-worth of liquidity in the pool, I’d expect to earn $1.89-worth of trading fees, plus $4.23-worth of CRV, annually.
Things do not end here on Curve. It has additional staking opportunities. Users can stake CRV in the Curve DAO for veCRV in return. veCRV is the governance token, so it allows users to make Curve governance decisions; however, it also boosts CRV rewards by up to 2.5x, which is veCRVs main draw. That’s why the CRV APYs – shown two images above – are displayed as a range (e.g. +4.23% – 10.59% CRV). Looking at the image above, CRV is time-locked anywhere from one week to four years. This takes CRV off the market, making it a deflationary asset, which some believe has led to its favorable price performance compared to other DeFi tokens.
Are you starting to see how yields can be stacked on top of each other? On Curve, users can deposit tokens into a liquidity pool to earn trading fees. They can then stake their LP tokens to earn CRV rewards. And then stake their CRV tokens to boost their CRV rewards. This is what “yield farming” is all about – stacking yield to maximize return on investment.
But all this makes my head spin. The yield farming I’ve described here is complex, manual, and costly. For example, CRV rewards accumulate over time and users must manually claim CRV on Curve’s UI (image above), which requires a transaction and costs a network fee. Yield aggregators – another class of DeFi dapps – solve these problems by automating yield farming for users. Users’ funds are pooled together in vaults that follow pre-programmed yield farming strategies designed for efficiency and maximal return.
Automated investing with Yearn Finance
Yearn Finance was one of the first yield aggregators. On Yearn, DeFi experts propose yield farming strategies and implement them as Yearn vaults that Web3 users can deposit tokens into. Essentially, these vaults aggregate a lot of tokens, and deploy them to various DeFi protocols, sharing the yield with its depositors (i.e. yToken holders).
Yearn vaults generally accept Curve LP tokens, and automate the yield farming process from here, such as moving tokens into different lending protocols in pursuit of the highest interest rate. Or, stake the LP tokens in other protocols, and automatically recycle the rewards back into the vault for a compounding effect.
This brings us to a concept called “token composability”, which is at the heart of yield farming. Essentially, Web3 tokens are interoperable with other protocols. DeFi tokens can be used throughout the DeFi ecosystem in order to stack rewards.
Let’s look at Yearn’s “Curve USDN” vault strategy. Users deposit crvUSDN tokens into this Yearn vault. Yearn then stakes these LP tokens in another DeFi protocol, Convex Finance, to earn CRV and CVX. As the vault earns tokens, Yearn automatically harvests them and converts them into more crvUSDN, which it cycles back into Convex Finance. This automation simplifies yield farming for users, and reduces their network fees. They only need to send two transactions: one to deposit tokens into a vault, and the other to withdraw tokens from the vault.
At this point in the article, we’ve discussed all the major DeFi building blocks: tokens swaps, minting stablecoins, lending/borrowing, staking, and yield farming. This all takes place across different protocols, often requiring the user to visit multiple web apps. This can make the DeFi ecosystem feel scattered. DeFi dashboards bring everything together for a more seamless UX. Let’s look at how dashboards take advantage of the open-source nature of Web3 to stitch DeFi protocols together into one dApp.
DeFi dashboard with Zerion & Zapper
DeFi dashboards provide the user access to multiple DeFi protocols all from one UI. The first way to think of these dashboards is that they extend wallet functionality. Popular browser extension wallets like MetaMask have small UIs with limited feature sets like viewing token balances and sending tokens to other wallets.
However, users can connect their wallet to a dashboard like Zerion to view their wallet as an asset portfolio, not just simple token balances. These portfolio views help users see how their wallet’s value changes over time. Also, Zapper allows users to bundle multiple wallets together so they can track the combined value of multiple wallets.
Dashboards also directly integrate multiple DeFi protocols into one UI. This is an example of open-source software composability. Web3 protocols are open-source so other projects can use them as building blocks in their own dApp. This is juxtaposed to the proprietary APIs of Web2 applications. Users can search for the best yields across the entire DeFi ecosystem, and directly deposit tokens into lending protocols (AAVE and Compound), liquidity pools (Curve, Sushi Swap, Uniswap), staking pools (Curve and Convex), and yield aggregator vaults (Yearn and Harvest). All accessed from Zapper’s “invest” tab.
These dashboards are packed full of other useful features. For example, the Zerion dashboard has “swap” functionality that searches across multiple DEXs to find the best exchange rate to execute a token swap. This is called a DEX aggregator, and is a convenience utility for Web3 users.
The thesis that we will live in a multi-chain world continues to be proven correct. More and more, people will use multiple blockchain networks, and will increasingly want to transact tokens between these cryptonetworks. Blockchain interoperability has a long way to go and Web3 ecosystems feel siloed; however, dashboards are well positioned to improve the UX here.
Zapper tracks the value of a user’s portfolio across 11 different cryptonetworks (all EMV-compatible). And, Zerion aggregates blockchain bridges so that users can transfer tokens to other Layer 1 cryptonetworks (BSC, Avalanche, Fantom), Ethereum Layer 2s (Optimism, Arbitrum), and sidechains (Polygon), all from one UI.
So that wraps up the first wave of DeFi from token swaps to dashboards. There are other protocols I consider slightly less foundational than what we’ve covered, but the curious reader may be interested to look into some of them. DeFi Derivatives platforms allow users to trade advanced financial instruments like options (Opyn), perpetuals (DyDx & Perp), and synthetic assets (Synthetix). Also, there are token index funds that diversify a single investment across multiple tokens (see Index CoOp). This is the same idea as ETF’s and mutual funds in traditional markets. Finally, there are insurance protocols that protect users from things like impermanent loss, and DeFi smart contract exploits (see Nexus Mutual).
DeFi 2.0 & Stablecoin Wars
Interest rates have been at all time lows in traditional markets over the past several years as the U.S. 10 Year Treasury Bond hit 0.60% APY in 2020. At the same time, DeFi was on the rise, giving investors alternative markets to earn much higher (albeit riskier) yields. All the DeFi products we’ve talked about were some of the first to find product-market fit in Web3, evidenced by the fact that they onboarded millions of users onto Ethereum; however, like any first iteration of technology, there exist some problems in the current DeFi ecosystem. Let’s discuss some of the problems facing DeFi 1.0, and peer into the emerging DeFi 2.0 landscape, which seeks to address them – starting with stablecoins.
Demand for stablecoins is rapidly increasing as the Web3 ecosystem is more and more in need of non-volatile assets for things like payment. There are many types of stablecoins each with their pros and cons. And it’s also an active area of experimentation as entrepreneurs search for optimal stablecoin designs. Let’s take a look at the different stablecoin categories.
The first category is fiat-collateralized stablecoins. These are, by far, the most popular right now based on market cap. Here, regulated companies, like Tether and Circle, issue stablecoins that are fully-backed by their fiat reserves. USDC and USDT are pegged to the US-dollar, but some stablecoins track other currencies (e.g. EURS). Historically, fiat-collateralized stablecoins have maintained their peg better than others; however, their fiat reserves are custodied within the traditional financial system. Governments have the ability to seize these reserves and undermine fiat-collateralized stablecoins, which many consider unacceptable for a means of payment in the world of Web3.
Enter crypto-collateralized stablecoins. This brings us back to MakerDAO where users can deposit crypto into Maker vaults and mint DAI – a stablecoin also pegged to the US-dollar. This is a big deal, because the crypto collateral backing the stablecoins cannot be seized by centralized entities. Thus, crypto-collateralized stablecoins are truly decentralized; however, the problem is that crypto is volatile, and using it as collateral is risky because the value of collateral can quickly fall below the loan’s value. Therefore, crypto-collateralized stablecoins must be over-collateralized, which isn’t an efficient use of capital.
MakerDAO was the first crypto-collateralized stablecoin protocol. Since then, other DeFi protocols have iterated on, and improved the original MakerDAO concept. For example, the crypto locked in Maker vaults is just sitting there, not earning yield. On Alchemix, users deposit crypto collateral to generate alUSD – Alchemix’s stablecoin. But here, Alchemix deposits collateral into Yearn Vaults that earn interest, which is used to automatically repay the user’s alUSD loan. It’s a self-repaying loan. Similarly, Abracadabra.Money supports yield-bearing tokens as collateral, like Yearn (e.g. yvDAI) and Convex (e.g. cvx3pool) tokens. But I digress – let’s move onto the third stablecoin category – algorithmic stablecoins.
The first two stablecoin categories are asset-backed. Either fiat reserves, or crypto collateral in vaults, support the price of the aforementioned stablecoins. A lot of recent experimentation has been done on algorithmic stablecoins, which have no assets backing them. An algorithm automatically maintains the peg of a stablecoin based on real-time market conditions for that stablecoin. This is usually done through mint and burn mechanics. Let’s pause and talk about the most popular algorithmic stablecoin – UST.
UST is built on the Terra blockchain, and is pegged to the US-dollar. UST is paired with Terra’s native token – LUNA, which is a volatile crypto asset. UST and LUNA can be exchanged in a 1:1 ratio with each other. At any point, 1 UST can be minted by burning $1-worth of LUNA. Alternatively, 1 UST can be burned in exchange for $1-worth of LUNA. Arbitrageurs utilize this mint-burn mechanism when UST is trading on centralized exchanges for a premium, or at a discount. For example, let’s say UST breaks its peg, and trades at $1.02 on a CEX. Arbitrageurs can burn $1-worth of LUNA, and mint UST in order to realize a 2% gain. On the other hand, if UST is trading at $.98, then it can be exchanged for $1-worth of LUNA. This is how UST maintains its peg.
However, it’s ironic that I’m writing this now. Just last week UST failed massively. There was a major sell-off in UST as investors lost faith, reflexivity kicked in, and caused an even greater sell-off. Billions of dollars of UST were liquidated over several days, and UST is sitting at around $.09 at the time of writing. This points to the immaturity of algorithmic stablecoins, and puts into question the feasibility of algorithmic stablecoins in general.
There is another category of stablecoin – fractional reserve stablecoins – that is a middle ground between algorithmic and crypto-collateralized. These stablecoins are partially crypto-collateralized hence the term “fractional reserve”, and partially rely on an algorithm to maintain their peg. FRAX is the most popular example of fractional reserve stablecoins.
All the stablecoins we’ve discussed so far are pegged to fiat currencies. The issue with this is that pegged stablecoins are beholden to central banks that control the monetary policies of fiat currencies. Some argue it’s unacceptable to have any reliance on central institutions in the decentralized Web3 ecosystem. The final category of stablecoins we talk about is non-pegged stablecoins. OlympusDAO is the most popular project in this space with its non-pegged OHM stablecoin.
“Stablecoin” is a bit of a misnomer for OHM. Currently, its price is around $17 – and it’s been as high as $1,300+. So OHM can be highly volatile, but one of the main features of OHM is its floor price, or risk-free value. Users exchange crypto with OlympusDAO for discounted OHM in a process called bonding. All bonded crypto is held in OlympusDAO’s treasury, which ensures a floor price of at least $1 OHM. Thus, the value of OHM is free-floating, but users can always have faith in the floor price, backed by Olmypus’ war chest.
This leads into the next problem that DeFi 2.0 is attempting to solve – that of deep, permanent token liquidity. OlympusDAO controls a massive treasury, which is a great example of an upcoming concept – “protocol controlled value” (PCV). The protocol can deploy liquidity as it sees fit to ensure liquidity for its native token, or to earn yield and grow the treasury larger. Also, their protocols can rent out their liquidity to help other protocols bootstrap token trading, or bolster their liquidity pools.
Deep liquidity with OlympusDAO
We know that liquidity is important in all aspects of DeFi. Without tokens in liquidity pools you can’t make swaps on DEXs, borrow tokens in lending protocols, and enact automated yield farming strategies. Without liquidity DeFi grinds to a halt. And the more liquidity the better. For example, the more liquidity in a DEXs liquidity pool, the less slippage users are subjected to when making token swaps. That’s why DeFi protocols compete with one another to attract liquidity, and increase the TVL of their protocol.
Liquidity mining, first seen with Compound in 2020, attempted to overcome the liquidity bootstrapping challenge. Protocols mint their governance token, and distribute it incrementally as a reward to its liquidity providers. Unfortunately, this only solves the liquidity problem in the short-term. Liquidity mining programs attract mercenary capital. Without loyalty to any single protocol, users switch their liquidity between protocols whenever higher interest rates popup elsewhere. It’s difficult for protocols to maintain this liquidity, and they have to continue inflating their governance token in order to do so. But more and more, liquidity is managed at the protocol-level, called “protocol controlled liquidity” or “protocol owned liquidity”.
DeFi 1.0 protocols do not own user liquidity. Users own their LP tokens, and can redeem them for the underlying liquidity at any time. This is changing in DeFi 2.0. Let’s go back to OlympusDAO, and users bonding their crypto in the treasury. Here, user crypto is exchange for discounted OHM. In this case, the users no longer own their liquidity – the liquidity is now permanently held in OlympusDAO treasury. In fact, OlympusDAO controls over 99% of its liquidity in DEXs (e.g. OHM-FRAX LP & OHM-DAI LP).
This ensures that the liquidity remains in place so that users can trade in and out of OHM, with low slippage. Also, the protocol earns almost all of the liquidity pool trading fees, and is becoming a large holder of SUSHI, which all work to further grow the protocol.
Frax Protocol is another good example of PCV. Users mint FRAX stablecoin by depositing their crypto assets into Frax protocol’s reserves. Frax Protocol applies automated market operations (AOMs) on its reserves for a variety of reasons. For example, its collateral investor AMO moves USDC reserves into lending protocols like Compound and Yearn, which earns interest. Another AMO provides FRAX liquidity on exchanges like Curve and Uniswap to ensure deep liquidity pools for FRAX-stablecoin pairs. Fei Protocol is similar – the protocol controls reserves for yield farming strategies to grow its reserves, as well as to provide FEI liquidity on Uniswap.
These protocols can also rent out their liquidity to other DeFi protocols, known as liquidity-as-a-service (LaaS). Tokemak is a great example of this. Essentially, individual liquidity providers deposit tokens into reactors, and liquidity directors (LDs) rent out this liquidity to various DEXs. LD’s create liquidity on-demand – they vote on which token reactors get paired together, and which DEXs to send these token pairs to. Of course, Tokemak earns DEX trading fees, which its building up a treasury with. This treasury, controlled by TOKE governance, will be utilized for additional LaaS operations in the future. Tokemak is like a liquidity aggregator, supplying liquidity to other specific areas in the DeFi ecosystem.
Finally, LaaS is being used to help other up-and-coming protocols launch their native token. Before, to start sellings a token on a DEX you either needed to seed the liquidity pool with a lot of up front capital, or attract users to bring their own liquidity. This brings us back to liquidity mining, which we’ve already established is ineffective in the long run. However, now, OlympusDAO launched a product called Olympus Pro, which generalizes its token bonding mechanism for other protocols. For example, users can bond their LP tokens in exchange for the protocol’s discounted governance token. Now that protocol owns the LP tokens, so the liquidity will remain in place without continuous liquidity mining. This is known as “protocol pwned liquidity” (POL).
Also, FEI and FRAX have partnered with Ondo Finance, which provides liquidity pools to protocols looking to list their governance token in an IDO – initial DEX offering. The protocol deposits its governance token in a pool, which is matched by either FRAX or FEI stablecoins. The Frax and Fei protocols earn 5% APR on the liquidity it provides. This is like renting out stablecoin liquidity so that other protocols can quickly get up and running selling their governance tokens.
I, Travis Kassab, am not a financial advisor, tax professional, broker, or legal advisor. None of my podcasts, videos, or articles constitute financial advice. This content is purely for educational purposes, and is not intended to endorse any cryptocurrency or other investment vehicle. At the time of writing this, my cryptocurrency holdings include: BTC, ETH, CEL, SNX, BANK, SOL, DOT, KSM, USDC, GERO.
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economics
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http://roadcarvin.com/blogs/michael-curry/harley-davidson-q3-2010-income-climbs-sales-slip
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Harley-Davidson Q3 2010 income climbs as sales slip
Harley-Davidson's 3rd quarter 2010 financial results are in: income climbs as sales drop. Net income totaled $88.8 million, or 38 cents per share, which compares with income of $26.5 million, or 11 cents per share for the same period last year.
H-D reported a 7.7 percent decrease in motorcycle sales worldwide, including a 9.4 percent decrease in the U.S.
The company posted a net profit of 40 cents per share from continuing operations. Revenue fell 2 percent to $1.09 billion.
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economics
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https://mhpillawarra.com.au/?p=129
| 2024-02-26T07:19:35 |
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In March 1950, the Minister for Immigration, Harold Holt, announced that the Commonwealth Government would build hostels for 7,500 British migrants in NSW one of which would be in the Port Kembla area and would accommodate 2,000 British migrants. These proposed hostel units were referred to as Port Kembla Migrant Workers Hostels Units, 3, 4, 5, 6 and 7 and they were to be constructed at Berkeley. This was in addition to existing Port Kembla Migrant Workers Hostel Units 1 and 2 which was later called Unanderra Migrant Workers Hostel Units 1 and 2.
It was proposed that about 100 acres would need to be acquired to be able to construct a 5 unit hostel at Berkeley and the Commonwealth Government commenced negotiations with three of the incumbent property owners of Lots 8, 9, and 10 of the Berkeley Estate being a total of 133¼ acres then valued at £15,925.
As the departmental officer from the Commonwealth Government’s Department of the Interior set about arranging the negotiations to purchase the land, the Housing Commission of NSW informed the Department of Immigration that the land was also required for the State’s housing development program.
The Council of the Greater City of Wollongong was against having migrant hostels concentrated in one area and on Monday, 29 May 1950, the Mayor of Wollongong, Alderman Dawson, gave a tour of an alternative site for a family hostel for British migrants. The alternative site was land at Fairy Meadow, the Collaery Estate, in the process of being purchased by Wollongong Council.
The Department of Immigration and Housing Commission of NSW, equally aware of each other’s need to build temporary accommodation for migrants and permanent housing for the people in the Illawarra, as well as migrants, agreed that the Housing Commission of NSW would resume all the land it needed for the housing development at Berkeley and then the Commonwealth Government would the acquire the land from the NSW Government on the proviso the NSW Government would have first offer once the land was no longer needed for the migrant hostels.
An altered plan for Commonwealth hostels for British migrants was then conceived being two hostel units at Berkeley and a 3 hostel unit at Fairy Meadow that would be known as Balgownie Migrant Hostel, later changed to Fairy Meadow Migrant Hostel.
A total of 19 acres 3 roods 12½ perches, part of Lot 8 of the Berkeley Estate and fronted Flagstaff Road was acquired from the Housing Commission of NSW by the Commonwealth Government to construct Berkeley Migrant Hostel Unit 1 and a total of 12 acres 1 rood and 39 perches part of Lot 9 of the Berkeley Estate and fronted Canterbury Road was acquired from the Housing Commission of NSW by the Commonwealth Government to construct Berkeley Migrant Hostel Unit 2. A further 36¼ perches was acquired directly from the owner of Lot 8 by the Commonwealth Government. This small piece of land was at the northern end of Lot 8 and had not been resumed by the Housing Commission of NSW but was needed as part of the Berkeley Hostel Unit 1 site layout.
Berkeley Migrant Hostel commenced operations in December 1951 and although built for British migrants and their families, other nationalities would also be accommodated there after assisted migration agreements for people of non-British backgrounds commenced.
There are no visible remains evident of the Berkeley Migrant Hostel today and with the layout of the Housing Commission homes and new roads, changes to Flagstaff and Canterbury Roads had occurred. The location of the former Berkeley Migrant Hostel today would be for Unit 1 (formerly Flagstaff Road) on Nannawilli Street with Wylandra Place, Tarra Place and Oliver Place located within the boundary of the area acquired for Unit 1. The location of Unit 2 today is also on Nannawilli Street (formerly Canterbury Road) with Boronga Crescent running through the centre of the land acquired for Unit 2. Halyard Street runs between what would have been the location of Units 1 and 2 of the former Berkeley Migrant Hostel.
More to come….
|
economics
|
http://landesign-inc.blogspot.com/2014/03/
| 2020-02-25T13:05:27 |
s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875146066.89/warc/CC-MAIN-20200225110721-20200225140721-00351.warc.gz
| 0.960807 | 167 |
CC-MAIN-2020-10
|
webtext-fineweb__CC-MAIN-2020-10__0__111558120
|
en
|
We first worked with Landscape Architect Don MacNair to install the landscape with an eye towards total water conservation. Water from the car wash is captured and stored for irrigation through the use of 3 storage tanks, a small pressure tank and a booster pump. The beauty of the system is that the storage system is constantly being replenished by water otherwise destined to go down the drain. Since there is no irrigation meter, no water is being used from the city system which equates to a sizable savings in money and a plentiful supply of water. The system has been designed to increase in size as necessary to irrigate both Splash Express Car Wash and the adjacent Kia Auto Dealership.
Keeping Splash Express looking good is now the responsibility of our Maintenance Division and we look forward to the task for many years to come. Check them out!
|
economics
|
http://www.stonecontact.com/products-181664/silestone-unsui
| 2017-03-23T02:16:48 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218186608.9/warc/CC-MAIN-20170322212946-00152-ip-10-233-31-227.ec2.internal.warc.gz
| 0.884664 | 267 |
CC-MAIN-2017-13
|
webtext-fineweb__CC-MAIN-2017-13__0__194143944
|
en
|
Business Type: Quarry Owner,Factory,Exporter
Establishment Date:Dec 31,1912
No. of Total Employees:51 ~ 200
Main Products:Cosmic Gold, Porphyry, Boreal Black, Nero Boreal Granite, Gris Perla, Coco Brown, Santa Fe Brown
Contact Person:Javier De Stefano
Fax:54-11 4488 1007
Addr:E. Comesaña 4385 (B1702BOC), Ciudadela, Buenos Aires, Argentina
Our firm entered the stone business in 1913 as a distributor of marble in Argentina. Since then, the firm has grown consistently and started to integrate vertically. Today we are leaders in the marketplace in both local sales and exports. Our main export destinations are North America, Asia, South America and Europe.
We own three plants equipped with world class technology where we process granite and porphyry as well as several quarries to ensure consistent quality and a reliable production. Our production capacity is over 500,000 sq mt per year. This production level is achieved with 14 saws, 4 polishing production lines, 2 flaming lines and 2 porphyry production lines.
Our main concern is to continue developing our knowledge in natural stone to keep serving the most sophisticated consumers around the world.
|
economics
|
https://bestdigitalconsultancy.com/why-we-decided-to-have-a-blog/
| 2024-02-23T04:48:10 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474360.86/warc/CC-MAIN-20240223021632-20240223051632-00192.warc.gz
| 0.967514 | 602 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__2338883
|
en
|
Why This Blog Exists
This blog was started to provide insights, solutions, and thoughts about business problems, ideas for making money, and saving money for everyone but especially small business owners. It is our hope that through this blog, everyone can learn from our successes, manage time, and find solutions to their problems in an effort to build your business and help you reach your goals.
Your Helping Hand
If you’re looking to take your business to the next level, you will run into problems. These could include things like time management, book-keeping and tracking clients and work. It could be your thinking about whether you should charge more or less for your goods or services. This blog exists to bring you ideas and solutions to these. We also want to help you save money and to make more money. We exist to help businesses be successful. Our motto is your success is our success. Techfriends Digital provides a wide variety of professional digital services, but we go beyond just providing these services. We look to help you and your businesses reach your goals through our ideas, and through sharing thoughts, ideas, and suggestions. We want to build a community of friends who benefit from our blog and from our services. This blog will be your helping hand.
There is no one-size-fits-all solution to the myriad business problems we bump into, but there are many ways to make a difference. Talk about solutions to problems in your community, with us, and in the world. Be part of the solution, not the problem. Give us your ideas and share them with us. We will do our best to always provide quality content to help you reach your goals and your success.
There are a number of ways to make money online and offline. One way to make money online is to sell products or services online. This can be done through a variety of platforms, such as online marketplaces, websites, or even social media platforms. Another way to make money online is to provide content or services that others are willing to pay for, such as through writing, graphic design, or web development.
There are also a number of ways to make money offline. One way to make money offline is to sell products or services in person. This can be done through a variety of methods, such as through brick-and-mortar stores, pop-up shops, or even door-to-door sales. Another way to make money offline is to provide services that others are willing to pay for, such as tutoring, child care, or home repair. Our hope is to share ideas that can be added to your existing business or maybe for those who are looking to start a profitable business and idea they can start.
Wrapping up we at Techfriends Digital want to welcome you to our blog, and hope you will continue to find content that is of use to you and maybe even be convinced to use some of the ideas and suggestions we will come up with.
|
economics
|
https://www.borjainsurance.com/insurance/business
| 2023-06-03T23:41:14 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224649348.41/warc/CC-MAIN-20230603233121-20230604023121-00268.warc.gz
| 0.94084 | 334 |
CC-MAIN-2023-23
|
webtext-fineweb__CC-MAIN-2023-23__0__186799295
|
en
|
Business Insurance in and around Valencia
We also offer Business insurance in:
- Santa Clarita
- South Bay
- Canyon Country
- San Fernando Valley
- Los Angeles
- Redondo Beach
- Litchfield Park
Cost effective insurance for your business.
As a business owner, you have to manage all areas of business, all the time. The details can be overwhelming! You can save time by working with State Farm agent Enrique Borja. Enrique Borja can relate to where you are because all State Farm agents are business owners themselves. You'll get a business policy that covers your worries and frees you to focus on growing your business into the future.
PROTECT YOUR BUSINESS WITH STATE FARM
State Farm has been helping small businesses grow since 1935. Business owners like you have counted on State Farm for coverage from countless industries. It doesn't matter if you are an optician or a plumber or you own a newspaper distributor or a beauty salon. Whatever your business, State Farm covers it with customizable policies that meet each owner's specific needs. It all starts with State Farm agent Enrique Borja. Enrique Borja is the person who understands where you are firsthand because all State Farm agents are business owners themselves. You'll get a business policy that covers your worries, which will free you to focus on growing your business into the future. Contact State Farm agent Enrique Borja today to check out how one of the leaders in small business insurance can ease your business worries here in Valencia, CA.
|
economics
|
http://www.sepg.pap.minhap.gob.es/sitios/sepg/en-GB/Paginas/Inicio.aspx
| 2013-12-13T16:16:59 |
s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386164960531/warc/CC-MAIN-20131204134920-00039-ip-10-33-133-15.ec2.internal.warc.gz
| 0.911125 | 366 |
CC-MAIN-2013-48
|
webtext-fineweb__CC-MAIN-2013-48__0__59292416
|
en
|
The State Secretary for Budget and Expenditure (SEPG, Secretaría de Estado de Presupuestos y Gastos), which reports to the Minister of Finance and Public Administration, directs and coordinates:
The formulation of criteria and objectives for budgetary policy, multi-year programming of public sector income and expenses programmes and the drawing up of the State Budget, its monitoring and the assessment of its implementation, through the Directorate General of Budgets.
- The planning, programming and budgeting of public sector personnel costs and the recognition and payment of pensions of the General System of Passive Classes, all through the General Directorate of Personnel Costs and Public Pensions.
- The design, planning and management of EU funds and the state implementation of the regional incentives policy, together with the monitoring and management of the Spanish participation in the Community budget of the European Union through the Directorate General of Community Funds.
It is also attached to the State Secretary for Budget and Expenditure and the Government Comptroller's Office.
In the exercise of these functions, the Secretary coordinates the Commission on Expenditure Policy and the Revenue Commission (chairing these in the absence of the Minister of Finance and Public Administration). The SEPG also chairs the Programme Analysis Commissions and is vice-chair of the Commission on Financial Coordination of Real Estate and Property Actions. In addition, the Secretary acts as chair of the Public Investment Committee and the Governing Council of Regional Incentives, and also heads the Special Delegation of the Ministry of Finance and Public Administration at RENFE-Operadora; the administrative units of this delegation report structurally and functionally to said Secretary.
These pages contain up-to-date information on all of the SEPG's actions and allow for the possibility of contacting the different units through the following contact addresses.
|
economics
|
http://karmsolar.com/?page_id=170
| 2015-08-05T12:25:04 |
s3://commoncrawl/crawl-data/CC-MAIN-2015-32/segments/1438044271733.81/warc/CC-MAIN-20150728004431-00293-ip-10-236-191-2.ec2.internal.warc.gz
| 0.91404 | 216 |
CC-MAIN-2015-32
|
webtext-fineweb__CC-MAIN-2015-32__0__183649551
|
en
|
ABOUT US / BOARD MEMBERS / PARTNERS
KarmSolar is a private Egyptian company established in 2011 dedicated to providing innovative off-grid solar energy solutions that are commercially viable and easy-to-use in the agricultural, industrial, and business sectors. Through developing unique approaches to each project, we develop systems that harness the power of the sun and replace diesel-powered processes and thereby producing energy that is affordable, stable, reliable, and environmentally friendly.
Meaning “a fruitful vine” in Arabic, the name for the company was inspired by the Karm Eco Lodge, a nature preserve in South Sinai and represents our commitment to sustainability. Our goal is to commercialize sustainability, enabling businesses to gain from an increase in productivity whilst benefiting from, and protecting, the environment.
The first company to install a high-capacity off-grid solar water pumping station in the Middle East and North Africa in April 2013.
International recognition for projects: HCT-Wharton Innovation Tournament in 2012, celebrating breakthroughs in innovation for sustainable global solutions.
|
economics
|
https://hutchisonportstng.com/en/history/
| 2023-04-01T23:03:04 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296950363.89/warc/CC-MAIN-20230401221921-20230402011921-00133.warc.gz
| 0.936594 | 1,337 |
CC-MAIN-2023-14
|
webtext-fineweb__CC-MAIN-2023-14__0__246979356
|
en
|
The great history of such prestigious shipyard in the Gulf of Mexico dates back to 1929 in the Port of Veracruz, when by initiative of Commodore Ignacio Garcia Jurado the dockyard arose as a small construction patio immediate to the San Juan de Ulua Fort, that came to life until 1935 with only one dry dock of 50 meters length, 9 meters breadth, and 2.7 meters draft, under the same mission of conducting the construction of 5 coastguards and thus prepare the Mexican workforce for the expansion of the maritime industry.
Later in Veracruz, a year after the creation of the Secretaria de Marina, the construction of dry dock number 2 started, with 157 meters length, 19 meters breadth and 4.8 meters draught, as part of the edification of the Naval Base Unit in what used to be the lower ground of San Juan de Ulua. This important construction required emerging the surface to 1.20 meters above the sea level and gain 40 hectares of sea land using the dredging products from the bay.
Fourteen years later, directed by Admiral Antonio Vazquez del Mercado, the shipyard in Veracruz conducted the construction of the first vessel with steel casing in Mexico; It was a small merchant with 765 tons of deadweight, 52.8 meters length and 8.28 meters breadth, which was baptized under the name of “Mexico” and was launched in June 15th 1958 under the guardianship of the Italian Engineer Alberto Farina; so being modestly supervised and designed with foreign technology, that another vessel was constructed in Mexico after 150 years of inactivity for the vessel construction industry.
Astilleros de Veracruz S.A.
During this stage, in May 1962 with resources from Maryland Dry-dock Company, the company Astilleros de Veracruz S.A. was born, which followed the construction of fishing boats, patrol vessels, tugboats and barges for Mexico and abroad, as well as performing dry and afloat repairs.
Astilleros Unidos S.A.
In the 70’s, during the government of Luis Echeverria Alvarez, the government-sponsored company Astilleros Unidos S.A (AUSA) was formed by presidential decree, that would be the one in charge of managing the 4 biggest shipyards on our country, with the one in Veracruz among them, which during the period of June 1976 and November 1978 conducted the construction of 7 patrol vessels of 112 meters length for Mexico’s Army.
Astilleros Unidos de Veracruz S.A. de C.V.
With the oil boom and the increase of oil exports in the 80’s, Mexico suffered the consequences of hold up against the International Maritime Industry, since the oil exports had to be defrayed in their majority to foreign vessels with the subsequent currency leak. Due to this, Mexico faced the biggest challenge for the national maritime industry at that time: building tanker vessels to avoid paying foreign transportation and place the Mexican maritime industry in a better scenario.
Thus being crystallized when Jose Lopez Portillo, President of the Republic at that time, entrusted the company A&P Appledore of England with a feasibility study for the development of shipyard for heavy maritime repair and construction, the same that once proven efficient started in 1979 and contemplated the inclusion of another drydock with 271 meters length, 36 meters breadth and 5.18 meters draught, project that finalized in 1982 under the name of Astilleros Unidos de Veracruz S.A de C.V (AUVER), becoming the first heavy maritime construction centre in Mexico.
Such infrastructure, the first of its type in Mexico, was the one that started the mass production of tanker vessels Nuevo PEMEX I, II, III and IV built with a capacity of 45 tons of deadweight from 1983 to 1989 with more than 6 thousand workers, such being the biggest maritime construction in the country ever since, and the one that gave way for the construction of more vessels like boats, reduced draught casing for Holland, dredgers for PEMEX and hundreds of major repairs for national and foreign vessels.
Talleres Navales del Golfo
Later on, in 1995, after the Port requisition in Veracruz, the shipyard continues its operations under concession with the now prestigious name of Talleres Navales del Golfo (TNG) and enters the metal works industry, fabricating structures such as offshore modules, jackets, bridges, decks, wind towers, heliports, funnels, steel tanks, rolled pipes, beams pills and buoys, among others, which reduced the maritime repair activities, until 2003 when the the shipyard stood out with the construction of two rigs “Carina” and “Aries” for Argentina.
Miembro del grupo Hutchison Ports
In 2006, Talleres Navales del Golfo became a member of Hutchinson Ports, main port investor, developer and operator in the world, event that returned the great shipyard in the Golf of Mexico to its Alma Mater regarding service providing in the maritime sector; In this way, and thanks to Jose Antonio Sardiña Aguirre, as General Manager since 2011, the shipyard retook steady course with the intention of placing the shipyard as the tip of the spear for the Mexican Maritime Industry, without leaving aside the expertise reached among the metal works sector. This became a reality when in April 2nd, 2014, through an strategic alliance with PEMEX and SEMAR, TNG announced the reactivation of the Naval Construction in Mexico, with the beginning of the construction of 4 azimuth tugboats for PEMEX Refinery and the shot blasting process, application of shop primer, cutting and beveling of the more than 3000 steel plates required for the 16 vessels which would renew part of PEMEX’s minor fleet.
Hutchison Ports TNG cumple 80 años.
This is how 2015 represent a year of accomplishments and celebration for Talleres Navales del Golfo, because it cements 20 years as assignee in the Port of Veracruz only a few days after the recent Floating ceremony of the Azimuth tugboat C-130, same that will incorporate PEMEX’s minor fleet midyear, crowning with this the commemoration of 80 great years of the shipyard that has been constructing history.
|
economics
|
https://www.borderlessaid.org/projects
| 2023-11-29T09:04:29 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100057.69/warc/CC-MAIN-20231129073519-20231129103519-00527.warc.gz
| 0.949254 | 146 |
CC-MAIN-2023-50
|
webtext-fineweb__CC-MAIN-2023-50__0__196688596
|
en
|
Food & Goods
Borderless Aid comes to the aid of families in need and collects donations of food, clothes, toys or other items. We also offer support for the fuel for the transport of goods in the county.
Home appliances & furniture
From furniture to electronics, we collect donations of such items or buy them. The collected items will be stored and then transported to those in need.
We provide legal advice in partnership with a lawyer for those in need.
We buy medication for elders or families whose members are following a treatment and cannot afford to buy it.
We renovate improper and inadequate shelters or houses of poor and deprived citizens.
Social & cultural events
We organize cultural events for the local community.
|
economics
|
https://www.yourlifestage.com/resource-center/investment/impact-of-taxes-and-inflation
| 2023-09-23T15:08:32 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506481.17/warc/CC-MAIN-20230923130827-20230923160827-00640.warc.gz
| 0.927815 | 146 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__203609802
|
en
|
Impact of Taxes and Inflation
Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.
You are viewing this website at a small screen resolution which doesn't support calculators. Click here to view this calculator.
Charitable Giving: Smart from the Heart
Do you have causes that you want to support with donations?
Counteracting Capital Gains with Tax-Loss Harvesting
You may have heard the phrase "tax-loss harvesting." A financial professional may be able to provide some guidance.
What Is a 1035 Exchange?
1035 exchanges provide a way to trade-in an annuity contract or life insurance policy without triggering a tax liability.
|
economics
|
https://www.mallardspac.com/investors/sec-filings/xbrl_doc_only/36
| 2021-10-21T21:02:20 |
s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585441.99/warc/CC-MAIN-20211021195527-20211021225527-00094.warc.gz
| 0.920959 | 733 |
CC-MAIN-2021-43
|
webtext-fineweb__CC-MAIN-2021-43__0__52611986
|
en
|
|10 Months Ended|
Dec. 31, 2020
|Commitments and Contingencies Disclosure [Abstract]|
NOTE 7. COMMITMENTS
Pursuant to a registration rights agreement entered into on October 27, 2020, the holders of the Founder Shares, Private Placement Warrants and warrants that may be issued upon conversion of Working Capital Loans (and any shares of common stock issuable upon the exercise of the Private Placement Warrants and warrants that may be issued upon conversion of Working Capital Loans) will be entitled to registration rights requiring the Company to register such securities for resale. The holders of the majority of these securities will be entitled to make up to three demands, excluding short form demands, that the Company register such securities. In addition, the holders have certain “piggy-back” registration rights with respect to registration statements filed subsequent to the completion of a Business Combination and rights to require the Company to register for resale such securities pursuant to Rule 415 under the Securities Act. The registration rights agreement will not contain liquidating damages or other cash settlement provisions resulting from delays in registering the Company’s securities. The Company will bear the expenses incurred in connection with the filing of any such registration statements.
The underwriters are entitled to a deferred fee of $0.35 per Unit, or $3,850,000 in the aggregate.
Right of First Refusal
Subject to certain conditions, the Company granted Chardan Capital Markets, LLC, for a period of 15 months after the date of the consummation of a Business Combination, a right of first refusal to act as lead underwriters or minimally as a co-manager, with at least 30% of the economics; or, in the case of a three-handed deal 20% of the economics, for any and all future public and private equity and debt offerings. In accordance with FINRA Rule 5110(f)(2)(E)(i), such right of first refusal shall not have a duration of more than three years from the effective date of the Initial Public Offering.
In connection with the closing of the Initial Public Offering, certain qualified institutional buyers or institutional accredited investors not affiliated with any member of the Company’s management (the “anchor investors”) purchased an aggregate of 10,370,000 Units. Separately, each of the anchor investors entered into a separate agreement with the Sponsor pursuant to which such investors purchased membership interests in the Sponsor representing indirect beneficial interests in up to 60,500 Founder Shares and 224,490 Private Placement Warrants upon closing of the Initial Public Offering.
Neither the membership interests in the Sponsor nor the Founder Shares or Private Placement Warrants to be indirectly owned by such investors will be subject to forfeiture without their consent.
The price paid by the anchor investors for the preceding Founder Share and Private Placement Warrant membership interests is approximately the same, proportionally, as that paid by the other members of the Sponsor, collectively, for the rest of such membership interests.
There can be no assurance as to the number of Units the anchor investors will retain, if any, prior to or upon the consummation of a Business Combination. In the event that the anchor investors purchase such Units and vote them in favor of a Business Combination, a smaller portion of affirmative votes from other public stockholders would be required to approve a Business Combination.
The entire disclosure for commitments and contingencies.
Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
|
economics
|
https://familyofficeinlondon.com/golden-visa/
| 2023-09-30T03:35:52 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510575.93/warc/CC-MAIN-20230930014147-20230930044147-00377.warc.gz
| 0.946752 | 900 |
CC-MAIN-2023-40
|
webtext-fineweb__CC-MAIN-2023-40__0__303202775
|
en
|
Sadly, UK Tier 1 Investor visa is now abolished and it is no longer possible to apply. This blog post is left unaltered for historic purposes only.
As an ultra high net worth individual you may feel bombarded with the vast choices you can make and yet unable to make your decision.
You hear people talk about UK Tier Investor visa, European Golden visa and Citizenship by Investment schemes.
They all require substantial investment. Still you are not sure what you are getting if you went with one choice, but not the other. How likely you are to make the right choice or overlook the necessary details and miss out on the life-changing opportunity altogether.
What does it entail to you exactly? What are the practical consequences for you and your family?
UK Tier 1 Investor visa as a version of British Golden visa
UK Tier 1 Investor visa is a UK immigration category. This is an opportunity for you to relocate to the UK and earn long-term residence rights, known as indefinite leave to remain.
Only after you meet specific residence requirements and earn your own indefinite leave to remain you may be eligible to apply for British citizenship.
There is no direct route to British citizenship based on making an investment alone.
European Golden visa
Golden visa is coined by property developers. Typically, the golden visa was started in Portugal (Europe / EU).
The idea was that if you bought property in Portugal, this would allow you to relocate to Portugal.
Portugal being a member of the European Union (EU) with free movement rights means that you would be able to travel throughout Europe on your Portuguese residence permit.
Similar Golden visa proposition was extended to Spain and some other European (EU) countries.
This option is no longer relevant if you are looking to create your residence rights in the UK. The UK left the EU and the EU free movement rights are no longer supported in the UK.
Global Invitation: Citizenship by Investment
Citizenship by Investment is an option that you find in the Caribbean islands and some other remote areas, such as Vanuatu.
Some European countries set up their own schemes, such as Cyprus, Greece and Malta. All in an attempt to attract additional funds in support of their own fragile economies.
The European Commission is known to have fiercely criticised such regimes.
Nonetheless, some countries appear to be doing better than others.
The most attractive part of the citizenship by investment option is the opportunity to be awarded citizenship and passport soon after you make the necessary investment.
In some jurisdictions it may take less than a year, while in others, this may take a bit longer.
However, the final reward is the actual passport.
This can be an important choice if you are looking to acquire secondary citizenship, which allows you a visa free travel.
If you are coming from a country where international travel may be unduly tricky, this may be one of the options you may be considering.
However, if your ultimate destination is to move and live in the UK, then citizenship by investment may not be what you are looking for.
Perhaps, you are better off applying for the UK Tier 1 Investor visa and earn your rights to British citizenship.
Not sure where to start or how to find the right UK immigration adviser for you to apply for the right UK visa for you and your family, schedule a phone call with me!
You will be first guided to a payment page when you choose “book a call” option. After making the payment, you will be able to choose the most convenient date and time for our Zoom meeting. You can report a payment issue here.
Saule Voluckyte, M.A.E.S, LL.B, FAIA
I have been working exclusively with UHNWI in Mayfair, London since January 2008. I built specialist knowledge and expertise required to serve ultra high net worth individuals investing, operating and relocating to the UK or Switzerland.
Within the industry, I am the single adviser who is able to traverse the different areas of expertise and bring a comprehensive approach across: global structuring, UK immigration, international taxation and FOREX to develop their global wealth strategy, while they build, grow and expand their wealth worldwide.
Previous experience as one of the senior advisors for the government, made me a go-to person when delicate and uncomfortable scenarios involving heads of state need to be handled with care and preserve privacy.
|
economics
|
http://melioratus.eu/
| 2017-02-20T01:36:52 |
s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501170380.12/warc/CC-MAIN-20170219104610-00123-ip-10-171-10-108.ec2.internal.warc.gz
| 0.960733 | 210 |
CC-MAIN-2017-09
|
webtext-fineweb__CC-MAIN-2017-09__0__134530957
|
en
|
Melioratus Group was founded in Slovakia in August 2011. From the beginning it focused mostly on consulting in call centre management, quality management setup and process improvement in contact centres. After less than two years of successful activities in Slovakia we accepted our first international client and expanded our business throughout the European Union. In autumn 2013 the second company of the group was founded in Portugal. It has extended the working business model to new activities, such as coaching and mentoring of managers, due dilligence or mediation of business meetings.
While developing its name as a premium boutique consultancy in customer service, Melioratus started to consider entering the retail business itself. Driven by very strong belief that customer care can always be improved and it is the number one factor in customer retention and satisfaction, the company realized that it had all the right tools, experiences and skills at hand to create a customer-centric retail business. Right now, Melioratus prepares to open its first two ventures into e-commerce: Geekpub.sk and Foiro.eu.
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economics
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http://services.cd-writer.com/services_care.php
| 2023-02-01T19:17:38 |
s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499949.24/warc/CC-MAIN-20230201180036-20230201210036-00816.warc.gz
| 0.938882 | 197 |
CC-MAIN-2023-06
|
webtext-fineweb__CC-MAIN-2023-06__0__34186202
|
en
|
Due to the demanding nature of DVD and CD production schedules, many customers find that they benefit from the peace of mind offered by our extended warranty options. Reduce your downtime and maximise your profits with an extended warranty.
Newsflash: We have introduced our new CopyCredit service. Customers of CD-writer.com duplication products can now get discounted DVD and CD production via our Duplication Service.
CopyCredit is a great service provided exclusively by CD-writer.com Ltd to support duplicators from a range of manufacturers. CopyCredit is a method by which customers can purchase credits for discounted CD and DVD production work.
Available in a range of sizes CopyCredit is bought at the time of the first duplication job and ensures that the customer can meet their growing production demands. For example, CopyCredit 300 offers the customer the ability to produce 300 DVDs or CDs (printed and copied) via the CD-writer.com duplication service, whilst making a 20% saving on the service.
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economics
|
https://www.plantfactory.club/nutrient-film-technique
| 2024-02-25T07:22:13 |
s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474594.56/warc/CC-MAIN-20240225071740-20240225101740-00804.warc.gz
| 0.950273 | 283 |
CC-MAIN-2024-10
|
webtext-fineweb__CC-MAIN-2024-10__0__170880721
|
en
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NFT is a hydroponic technique in which the roots of a plant grow in a plastic film or a fixed channel through which the nutrient solution is continuously circulated to provide the plant with the necessary nutrients and water.
The NFT hydroponic system consists of three parts: Environmental Control, water and fertilizer control, and circulation pipeline.
NFT hydroponic system has become the choice of many large-scale production enterprises, because of its low input cost, saving costs in the initial stage of construction, so that enterprises quickly into the profit model. NFT hydroponic systems are also suitable for small businesses and individual growers to choose from, the early stage does not need too high investment, can also grow high-quality vegetables. The world's population is expected to reach 9.1 billion by 2050, according to the Food and Agriculture Organization of the United Nations (FAO) , leading to the possibility of a serious imbalance in the supply of vegetables in the future. NFT hydroponics eliminates the risk of disease caused by soil microorganisms, has the advantages of short growth cycle, high yield, low investment, High cost-performance ratio, reble water resources, and the production center can be close to cities and close to consumer markets, nFT hydroponics is a feasible solution to solve the problems of shortage of arable land and water resources by saving transportation and cold storage costs.
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economics
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