url stringlengths 15 1.48k | date timestamp[s] | file_path stringlengths 125 155 | language_score float64 0.65 1 | token_count int64 75 32.8k | dump stringclasses 96 values | global_id stringlengths 41 46 | lang stringclasses 1 value | text stringlengths 295 153k | domain stringclasses 67 values |
|---|---|---|---|---|---|---|---|---|---|
http://education.vetmed.ufl.edu/admissions/financial-aid-information/ | 2013-05-24T14:45:45 | s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368704666482/warc/CC-MAIN-20130516114426-00093-ip-10-60-113-184.ec2.internal.warc.gz | 0.931572 | 720 | CC-MAIN-2013-20 | webtext-fineweb__CC-MAIN-2013-20__0__126750250 | en | Tuition, Fees, and Financial Aid
Most veterinary students in need of financial assistance rely heavily on federally insured loans. Eligible students can borrow up to $40,500 annually from this source. In addition, the College of Veterinary Medicine administers a few supplemental loan funds and awards some scholarships from endowments. Both of these are generally disbursed to students already enrolled and therefore cannot be committed in advance. Health Professions Student Loans (HPSL), College of Veterinary Medicine Scholarships and long- and short-term emergency loans are also administered by the College Awards and Scholarships Committee. In order to qualify for any of these, the student must have a current ‘Free Application for Federal Student Aid’ form on file. Information for filing is available at interview.
- University of Florida Student Financial Affairs
- Loan Programs at UF
- Federal Student Aid Website
- Excellent Source of Financial Aid Info
- Free Application for Federal Student Aid
Tuition and Fees
Tuition and fees for entering UFCVM students in the professional curriculum are $28,100 per year for Florida residents and $45,500 for Non-Sponsored applicants. These fees are subject to change. The official breakdown of tuition and fees can be found at the University Financial Services website.
In addition, we have provided a copy of the UFCVM cost of attendance. This link represents the total cost for the UFCVM from the 2011-2012 academic year. For example, the first page represents the total cost of attendance for a 1 VM (or first year vet student). So, in this example, let us assume that you are living off campus – then the data that interests you would be “1 VM off-campus.” According to this data the cost of attendance per semester would be $22,244. Using this you can calculate your total cost for the year (freshmen do not take summer classes) at $44,488. This number reflects the total cost of attendance for a Florida Resident AND the maximum amount of financial aid for which you would be eligible. For out of state residents, you would need to add the “Out of State Fall 2005-2011″ (in this example the number is $9,282 per semester) to that calculation per semester.
- UF Vet Student Budget 2012-2013 SFA - This should be updated for 2012-2013 before the end of July 2012.
Note: The Self-FundedTuition is fixed for four years regardless of any state or university increases in tuition or any changes in your residency status.
While there are a number of scholarship opportunities at the UFCVM, very few of these scholarships require a personalized application. Each year, students will fill out an Application for Scholarships and/or Financial Aid form provided by the Office for Students and Instruction. Using this information, the Awards and Scholarship Committee will award eligible students based on financial need, academics, and any other criteria as defined by the scholarship agreement set down by our donors.
The few scholarships that require a specialized application will be announced by the Office for Students and Instruction as they become available.
Although incoming students are not eligible for the vast majority of these scholarships, there are some, that when available, may be distributed by the college based on academic success and financial need.
Note: The UFCVM awarded over $400,000 in scholarships to students in 2012.
For questions regarding UFCVM administered financial aid please contact Jonathan Orsini, Director of Admissions, at firstname.lastname@example.org | economics |
http://www.metropoliscaffe.co.nz/purchase-first-home/ | 2021-12-05T03:57:14 | s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363135.71/warc/CC-MAIN-20211205035505-20211205065505-00597.warc.gz | 0.944324 | 461 | CC-MAIN-2021-49 | webtext-fineweb__CC-MAIN-2021-49__0__63112152 | en | The house is one of the most important purchases in human life. Unfortunately, the recent economic crisis and an increasingly turbulent financial scenario continually undermine the possibility of making this expenditure. Precisely for this reason, the Italian state provides some facilities in order to encourage the purchase of the first home .
In this guide on the purchase of the first house, I list the tax breaks, I give you an example of calculating the expenses (including those of the notary), I explain how to request the advance of the TFR, how to request the deductions, how the credit works tax for the repurchase and when to take advantage of the benefits having one already.
Concessions: taxes and duties
Italian law favors the purchase of the first home for young couples , singles, but also for families already started for years who finally have the opportunity to realize their dream. The concessions consist of tax incentives and are:
- Reduction of taxes to be paid on the purchase of the property;
- Deduction for IRPEF purposes of real estate commissions if you buy the house from an agency;
- Deduction from IRPEF of interest expense on mortgage.
If you buy your first home, you are entitled to different discount categories regarding the taxes to be paid. Here is the complete list:
- If you buy from a manufacturing company, you only pay:
- 4% VAT;
- Mortgage tax of 200 euros;
- Cadastral tax of 200 euros.
- If you buy from private (also real estate agency) you pay only:
- Registration tax of 3%;
- Mortgage tax of 50 euros;
- Cadastral tax of 50 euros.
At appliances (box, garden, etc.) Are subject to the same facilities , the maximum amount of one for each category. For example. if there are two garages, only the first house concessions apply to one, the taxes are paid on an ordinary basis in the second box.
Finally, if you buy the house from a real estate agency , you can deduct up to 1,000 euros of agency fees from the personal income tax. A deduction of 19% of commissions is due, so you can get an IRPEF refund of up to 190 euros. | economics |
https://vannoblefarm.com/new-for-2022/ | 2022-12-06T21:10:23 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711114.3/warc/CC-MAIN-20221206192947-20221206222947-00321.warc.gz | 0.966596 | 650 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__76854535 | en | We are excited to introduce a new segment to our newsletter: Paragraphs from the Field. As the owner of Van Noble Farm, I have been inspired by many other small farmers who offer high quality news, videos, and stories about the day to day operations of running a small farm. So much goes on behind the scenes and we want to share more about raising animals on pasture, producing our line of retail meats, and our farm-to-table catering. Our newsletter has always been a way to keep up with product offerings and special events, and moving forward we will also dive deeper into the world of small farming and what it means to develop and produce truly farm-to-table products. My goal is to provide you with honest insights into the joys and realities of sustaining a small farm and a chance to understand the decisions small farmers are constantly faced with.
To kick-off this series, I’ll share the background of Van Noble Farm and what brought us to today’s operation: a working farm supporting a full service catering operation and small on-site butcher shop. In 2011, I started working for the Groundswell Center for Local Food & Farming as the Incubator Program Manager, but ultimately I wanted to work more closely with the land and livestock. Shortly after starting at Groundswell I began working as Assistant Farm Manager at The Piggery Farm in Trumansburg. The Piggery offered both some basic experience in animal husbandry and a launch point for my own farm. Van Noble Farm was truly born out of a simple contract to raise finished pigs for The Piggery’s butcher shop in downtown Ithaca. Owners Brad Marshall and Heather Sanford supported me greatly with mentoring as well as my first breeding stock when I started the farm in 2012. For five years I bred and raised pigs for The Piggery until the contract ended in 2017 when new owners took over the downtown butcher shop.
We had one year to pivot from a wholesale model to a direct to consumer retail business. At the time there were no other viable options for wholesale marketing and the only way to sustain the farm was to reduce production and adjust to the demand of a local customer base. The next step was to develop our casual pop-up pig roasts into offerings for weddings and special events. Over the years we’ve developed into a full service farm-to-table catering company and in 2018 we built a commercial kitchen on-site to support this venture. In the following year we began using our kitchen for butchering and this opened up the door to more creativity with our products and a full retail line. The butchering, curing, and smoking of pork has a long history within many cultures, and by opening up our own shop we had the opportunity to explore this delicious history and offer more than just pig roasts. Our team is excited about continuing to develop our line of small-batch, smoked and cured meats, with a focus on highlighting the diversity of quality produce available in the Finger Lakes. Today, we have a wide variety of different types of bacon, sausages, fresh cuts and barbecue available at the Ithaca Farmers’ Market and through our monthly Meat CSA. | economics |
http://cnjingya.com/about/ | 2019-09-18T18:42:36 | s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514573323.60/warc/CC-MAIN-20190918172932-20190918194932-00178.warc.gz | 0.945854 | 299 | CC-MAIN-2019-39 | webtext-fineweb__CC-MAIN-2019-39__0__146570347 | en | Yiwuyeti ornaments co.,ltd (Elegance Hair Ornaments), a real manufacture, located in NO.16 ShangBo Road, YiWu city—the biggest international trading city in China. We are a manufacture specialized in designing and producing hair accessories including hair claws, hair clips, hair clamps, hair bands, soft hair bands, ponytail holders, crowns, bracelets, kids hair accessories sets and so on. With about 7 years design and produce experience we have the ability to make special products as the customers demands. Almost every week, the professional design department of the Elegance Hair Ornaments designs the new fashionable items, and now we have tens of thousands of items in our sample rooms.
The products of Elegance Hair Ornaments sell well not only in domestic trading companies but also enjoy popularity in the world markets, such as in the United States, South Korea, Brazil, Malaysia, the Middle East, Canada, Pakistan, Australia, Peru, Chile, Bangladesh and so on. So we are very familiar with these markets, and we can supply the customers in these markets the useful information and suggestion.
“High quality, Competitive Price, Sincere Service, Customer First” is the Elegance Hair Ornaments principle. Currently, we are looking forward to establishing good business relationships with all the customers from domestic and abroad based on mutual benefits. Please feel free to contact us for more details. | economics |
https://www.austinformichigan.com/news/education-central-to-reducing-poverty | 2020-11-27T23:20:45 | s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141194634.29/warc/CC-MAIN-20201127221446-20201128011446-00400.warc.gz | 0.974811 | 697 | CC-MAIN-2020-50 | webtext-fineweb__CC-MAIN-2020-50__0__18494053 | en | Austin visited Marquette Monday to campaign as the Democratic nominee for re-election, which takes place Nov. 8, to the board of education.
With child poverty on the rise - increasing 23 percent in Michigan since 2006, according to Kids Count data released Monday - Austin said higher education and job training are the most important ways to lift families out of poverty.
"Poverty is a function of more people on the margins of employment," Austin said. "The most significant thing we can do is to help our people, more of our people, get a post-secondary higher education degree or credential. ... The pay-off from certificates, from associate's degrees, from bachelor's degrees, are all significant and there are jobs out there for people with the level of skill and experience to get them. Without a post-secondary education, you are at those margins."
Austin said education spurs economic growth, which is why in his time as board president, he has brought together stakeholders to lay a blueprint to join states with the best-educated populations.
The reason college tuition has skyrocketed is because the state used to pay for two-thirds the cost, he said.
That has dwindled to just 30 percent over the last 12 years, as a result of a Republican theology of austerity that claims government can't do anything right, Austin said.
"Northern has almost no choice but to ask students and parents to pay more of the cost," Austin said, "Because we cut taxes, because of austerity, because of things you see cropping up in Flint. You can't walk back investments in people, communities (and) education and then not expect the wheels to fall off at some point."
Austin referred to the recent Flint water crisis, where government's failure to enact corrosion control in lead pipes during a switch from Detroit water to the Flint River caused a spike in lead poisoning among children. Austin served as president of the Flint Roundtable early in his career.
Austin said Michigan lifting the cap on charter schools without ensuring they provide a quality education has caused a glut of for-profit companies that market education to families already frustrated by crumbling public schools.
This draws tax dollars away from public schools into public charter schools that tend to pay teachers less and have less public oversight, he said. He supports school choice and charter schools, he said - but there needs to be improvements to the funding model and stricter oversight.
"It's really been the last four to five years where you see this much more aggressive right-wing agenda to kind of privatize education and to cut everything," Austin said. "But it obviously is not working for our people and our communities. ... So I'm going to use this campaign to kind of have a referendum on what direction are we going in Michigan? Are we (going to) rebuild our communities and invest in our people and their opportunities through a great education or are we going to keep cutting the legs out from our people and our communities?"
Austin of Ann Arbor has a master's degree in public administration from the Harvard Kennedy School of Government, is director of the Michigan Economic Center, is a Brookings Institution non-resident senior fellow and lectures on the economy at the University of Michigan.
He was born and raised in the coal fields of West Virginia, the son of a Presbyterian minister. He met his wife in Michigan, where they decided to make their home.
To view the original article, visit HERE. | economics |
https://www.unjobsinegypt.org/job/292 | 2022-05-18T23:26:11 | s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662522556.18/warc/CC-MAIN-20220518215138-20220519005138-00576.warc.gz | 0.9248 | 1,962 | CC-MAIN-2022-21 | webtext-fineweb__CC-MAIN-2022-21__0__129663587 | en | Consultant for Assessment and Development of Business Models for LED Entities within MoLD
The project titled ‘Supporting the Ministry of Local Development in Decentralization and Integrated Local Development with Special Emphasis on Upper Egypt’ aims to support the Ministry of Local Development (MoLD), in collaboration with the United Nations Development Programme (UNDP), in being capable of achieving its core mandates, particularly creating a modernized and decentralized local administration system at the central and local levels in selected governorates, which adheres to good governance, whose function is to support and promote integrated local development through upholding excellence in local public services delivery and promoting local economic and social development.
Developing and rebuilding central and local institutional capacity is core not only for implementing decentralization, but also to achieving the ultimate objective of local development as represented in Local Economic Development (LED) and provision of improved services and infrastructure. Creating productive employment opportunities in each locality that caters to all requires effective and practical yet a strategic framework for economic development, including targeted public investment in infrastructure, development of human capabilities, active promotion of innovation and entrepreneurship, and alignment with national policies for trade, investment and the like. Moreover, enhancing public service delivery systems increase citizen satisfaction with government performance, particularly when adhering to good governance.
In continuous attempts to support the development of conducive and sustainably-competitive local economies, the Ministry of Local Development established different financial instruments and LED entities to support the growth of local economies, reduce poverty and utilize natural and human resources, and creates decent jobs for all, specially, women, youth and the disabled. One of these LED instruments is the Local Development Fund (LDF) that was established under the Presidential Decree 310 for the year 1978 to support the governorates and local units in addressing poverty and supporting entrepreneurship in villages all over Egypt.
In addition to the LDF, the Ministry launched in 2015 an initiative to support economic development as well as to incorporate social development. Your Project Initiative was established aiming to address unemployment through availing funding and providing technical support and facilitation of permits through one-stop-shop mechanisms through local administration in each governorate. Besides, the Ministry has its own vocational training workshops in a number of governorates for different handicrafts that employ a large number of workers and employees. These workshops were originally initiated to support the development of the handicrafts sector by creating skillful and well-trained workers and match the market demand. Currently these vocational training workshops are not responding to market needs in ways that would boost the handicrafts sector and support it economically.
Over time, the successive attempts of institutional restructuring of MoLD taking place under different Ministry leadership led to changing the institutional affiliation and accordingly the mandates of these entities. By eliminating the Agency for the Development and Construction of Egyptian Villages (to which the LDF was affiliated), the new governing arrangement of the Fund is unclear. This perpetuated the deficiencies in the overall performance of the LDF and weakened its role financially and technically.
As for Your Project Initiative, it was not embedded within the organizational structure of the Ministry in the first place. In addition, its correlation with the LDF is not clear, particularly that both entities support local development financially. Thus, the need arises to identify any overlapping mandates and to support the Ministry in the restructuring of these financial instruments by initially developing adequate business models, operational processes and guidelines, and mapping out of potential sources of funds.
The objective of this consultancy mission is to lead the development of viable and sustainable business models to the three LED-related entities affiliated to the Ministry of Local Development within its mandate in promoting and supporting LED.
Section: Responsibilities / Duties
Scope of Work and Tasks
The consultant is expected to support MoLD with the development of viable business models based on accurate assessments for the affiliation, functionality and sustainability of the three LED-related entities of the Ministry: “Your Project Initiative”, the Local Development Fund, and for the affiliate workshops to MoLD.
Accordingly, the consultant is expected to perform the following set of tasks and responsibilities:
- Conduct a comprehensive assessment to the three entities to determine the viability of a sustainable financing and existence of adequate structural, financial, and administrative/management arrangements and highlight potential areas of improvement,
- Carry out an in-depth analysis on recent business models and methodologies in global best practices for similar financial entities affiliated to Ministries in support of local development,
- Produce viable business models for the respective financial entities to be applied in alignment with existing guidelines, and recommendations for possible institutional, management and financial reforms in support of their sustainability,
- Facilitate consultations, workshops and focus group discussions with all relevant stakeholders towards the development of the business models;
- Invite participation and resource mobilization through engaging relevant stakeholders (that include but not confined to private sector players, investors, financial institutions, to determine potential sources of funds and establish partnerships;
- Advice the three entities on applying the proposed business models,
DeliverablesThe firm is expected to deliver the following output:
- Deliverable 1: Report with the findings of the assessment conducted to the three affiliate financial institutions that includes mapping out and analysis of the existing structural, financial, administrative/management arrangements and highlighting potential areas of improvement.
- Deliverable 2: Adequate business models to be applied to the three LED-related entities.
- Deliverable 3: Final report summarizing the process of developing the business models, the challenges faced, recommendations for implementation or improvement, and description of outcomes. The consultant shall also provide in the report (or annexed to it) any documents, information or contacts that he/she comes across at the local and central level while conducting the consultancy mission.
** All deliverables are to be submitted in the Arabic language with summaries in English.
- Collection of data / information required is the responsibility of the consultant.
- If needed, the project team can support with the facilitation of data collection from the counterparts.
Section: Requirements: Education / Experience / Languages / other requirements:
There will be a kick-off meeting with the selected consultant to agree on the methodological approach & all arrangements with the Senior Program Advisor and Project Team.
Scope of Fees & Schedule of Payments:
|1||Report with the findings of the assessment conducted to the three affiliate financial institutions that includes mapping out and analysis of the existing structural, financial, administrative/management arrangements and highlighting potential areas of improvement.||30%|
|2||Adequate business models to be applied to the three LED-related entities.||40%|
|3||Final report summarizing the process of developing the business models, the challenges faced, recommendations for implementation or improvement, and description of outcomes. The consultant shall also provide in the report (or annexed to it) any documents, information or contacts that he/she comes across at the local and central level while conducting the consultancy mission.||30%|
Experience and Competencies:
The selected consultant should have the following qualifications:
- Minimum of 10 years of relevant experience in formulating business models, conducting economic development of similar publicly-governed financial institutions,
- Extensive experience in dealing with public and local administration projects as well as private sector players;
- Appropriate experience working with government structures at all administrative levels;
- Knowledge of analytical capacity for determining mitigation options for decision making;
- Outstanding knowledge of public & local administration laws as well as financial and institutional regulations.
- High communication and moderation skills;
- Strong reporting and report-writing skills in Arabic and English;
- Independent, well-organized, responsive and respects timeframes
Section: Extra information
Duration of the Assignment
The consultancy mission shall take five months and ends on December 15th, 2020 (40 working days).
Proposals to be submitted by consultants including technical (methodology, approach, etc.) and financial offers as well as an updated CV.
The technical offer includes a proposed methodology and approach to the desired task.
The financial offer should be a lump-sum figure covering all expenses. The consultant will indicate in her/his proposal a clear timetable work plan of each deliverable, and number of anticipated working days.
The consultant should provide a certificate of good health and a proof of valid medical insurance as per Covid-19 Consultant hiring updates. Applications to be sent in soft copies (PDF format) to the following email: [email protected] maximum by Sunday August 16th, 2020.
When using this weighted scoring method, the award of the contract should be made to the individual consultant whose offer has been evaluated and determined as: a) responsive/compliant/acceptable, and b) Having received the highest score out of a pre- determined set of weighted technical and financial criteria specific to the solicitation.
* Technical Criteria weight; 70% * Financial Criteria weight; 30% only candidates obtaining a minimum of 49 point would be considered for the Financial Evaluation
|• Consultant Experience||40%||28 points|
|• Proposed Methodology||60%||42 points|
Job source: recruiting organization’s website.
Click the button below to visit the original announcement on the recruiting organization’s website. | economics |
https://crgurukul.com/government-health-insurances-in-the-united-states-everything-you-need-to-know/ | 2024-02-27T16:09:41 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474676.79/warc/CC-MAIN-20240227153053-20240227183053-00125.warc.gz | 0.935179 | 878 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__199465953 | en | In the United States, access to healthcare is a fundamental concern, and the government plays a pivotal role in providing healthcare coverage to various segments of the population through government health insurance programs. These programs aim to ensure that individuals, especially vulnerable populations, have access to essential medical services and treatments. This article delves into the details of government insurance programs in the US, shedding light on their significance, eligibility criteria, and impact on healthcare access.
Types of Government Health Insurance
1. Medicare: Providing Healthcare for the Elderly and Disabled
Medicare is a federal health insurance program primarily designed to cater to the healthcare needs of individuals aged 65 and older. It also covers certain younger individuals with disabilities or specific medical conditions. Medicare is divided into several parts, each addressing different aspects of healthcare coverage:
- Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care services.
- Part B (Medical Insurance): Covers outpatient services, preventive care, physician visits, medical supplies, and some home health care services.
- Part C (Medicare Advantage): Offers an alternative to original Medicare by providing comprehensive coverage through private insurance plans.
- Part D (Prescription Drug Coverage): Provides coverage for prescription medications through private insurance plans.
Medicare aims to alleviate the financial burden of healthcare costs for older adults and individuals with disabilities, promoting their well-being and ensuring access to necessary medical treatments.
2. Medicaid: Extending Coverage to Low-Income Individuals
Medicaid is a joint federal and state program that provides healthcare coverage to low-income individuals and families. Eligibility and coverage options may vary by state, but the program typically covers a wide range of medical services, including hospital visits, doctor appointments, prescription medications, preventive care, and long-term care services.
Under the Affordable Care Act (ACA), states have the option to expand Medicaid eligibility to cover more low-income adults. This expansion has significantly increased the number of individuals who can access essential healthcare services. Medicaid serves as a safety net, ensuring that those who might not otherwise afford healthcare have the opportunity to receive medical care when needed.
3. Children’s Health Insurance Program (CHIP): Caring for the Youngest Generation
CHIP is a program specifically designed to provide healthcare coverage to children in low- to moderate-income families who do not qualify for Medicaid. CHIP offers comprehensive healthcare benefits, including doctor visits, immunizations, dental care, vision care, and prescription medications. It serves as a critical resource in promoting the health and well-being of children and adolescents, ensuring that they receive the care necessary for proper growth and development.
4. Veterans Health Administration (VHA): Serving America’s Veterans
The Veterans Health Administration (VHA) is a government-run healthcare system that provides medical services to eligible veterans of the United States armed forces. The VHA operates a network of hospitals, clinics, and medical centers across the country, offering a wide range of healthcare services, including primary care, specialized care, mental health services, and long-term care.
The VHA plays a crucial role in addressing the unique healthcare needs of veterans, including service-related injuries, mental health conditions, and other medical issues that may arise during or after military service.
5. Indian Health Service (IHS): Focusing on Indigenous Health
The Indian Health Service (IHS) is responsible for providing comprehensive healthcare services to Native American and Alaska Native populations. IHS operates a network of hospitals, clinics, and healthcare centers that offer medical, dental, behavioral health, and preventive care services. The goal of IHS is to improve the health status of indigenous communities and ensure culturally sensitive healthcare delivery.
Government insurance programs in the United States are a crucial pillar of the nation’s healthcare system, providing coverage and access to medical services for various segments of the population. From Medicare and Medicaid to CHIP, and VHA. These programs play an integral role in promoting equitable access to healthcare, enhancing the well-being of individuals, and addressing the diverse healthcare needs of different populations. Through these government initiatives, the US strives to create a healthcare system that ensures comprehensive coverage and quality care for all citizens, regardless of their age, income, or background. | economics |
http://broadviewadvisors.com/ | 2016-10-26T15:10:37 | s3://commoncrawl/crawl-data/CC-MAIN-2016-44/segments/1476988720962.53/warc/CC-MAIN-20161020183840-00220-ip-10-171-6-4.ec2.internal.warc.gz | 0.953919 | 1,256 | CC-MAIN-2016-44 | webtext-fineweb__CC-MAIN-2016-44__0__163761952 | en | Pandora Media, Inc. (P) – Faraz Farzam, CFA
We have been accumulating shares of Pandora over the course of the last year which has been rather tumultuous for the popular streaming music app. We believe it is one of the most strategic internet assets trading now at rock-bottom prices. According to comScore, Pandora boasts nearly 90 million active users representing five billion listener hours. This level of usage, 22 hours per user per month, rivals both Facebook and YouTube. This compares to Spotify at 100 million (of which only 30 million are paying subscribers) and 15 million for Apple Music. It is important to note that Pandora’s core service is free; supported by advertising revenue. Spotify and Apple Music require a monthly subscription for an on-demand service. Furthermore, the active user metrics for Pandora’s competition are global while Pandora’s is almost exclusively domestic.
The key point of differentiation between Pandora and other services is that, not only is it a free advertising supported service akin to terrestrial radio, it serves as a unique discovery engine for new music for its listeners. The company has developed algorithms that use intrinsic qualities of music to initially create stations that then adapt playlists in real-time based on the individual feedback of each listener. Its streaming service is available through various distribution channels and it has developed applications for smart phones, tablets, smart televisions, gaming consoles, and home streaming devices. Furthermore, Pandora is currently integrated into the automotive infotainment systems of 190 car models. Management expects this integration to be expanded to 50% of all cars sold in the U.S. in 2016.
Utilizing an advertising based model, Pandora aims to capture a share of the massive $23 billion digital advertising market and the $17 billion radio advertising market. We believe Pandora will eventually close the gap between its leading share of US radio listening hours (estimated at 10%) and its advertising share, estimated at approximately 4%. This implies that, if pricing is held constant, the company has the opportunity to double its revenue as it closes that gap. However, the company also has an opportunity on the pricing front. Today their ad rates are far lower that the rates charged by terrestrial radio, even though Pandora has been steadily raising rates. Over the course of the last 3 years, Pandora has expended considerable effort building out a sizable sales force, nearly 160 strong “feet-on-the-street” in 39 markets, to attack the local radio advertising market. This is an asset that neither Spotify nor Apple possess.
In our opinion, neither Apple Inc. (AAPL) nor Spotify are truly direct competitors. This is a point of confusion amongst investors that caused a lot of volatility in the stock over the course of the last year. As we mentioned earlier, Pandora’s service is free to listeners who are willing to listen to a few ads per hour. However, Spotify and Apple Music offer a paid service that amounts to $120 per year. This requires the building of playlists and is often referred to in industry parlance as a “lean in” model vs Pandora’s “lean back” model. A few months ago, Apple quietly shuttered its iRadio business, the service that directly competes with Pandora, to focus on Apple Music, the Spotify-like service. Although Spotify offers a radio service, in our opinion, it lacks a meaningful recommendation engine. Spotify also does not possess the local sales force required to compete for local ad dollars.
2014 was a watershed year for Pandora. The company hit $1 billion in revenue and generated nearly $60 million in earnings before interest, taxes and amortization (“EBITDA”), a measure of cash flow. By the fourth quarter, it hit a run-rate EBITDA of $175 million, demonstrating the economic power of the business model. 2014 was also the peak year for the stock price, topping $40 per share. However, over the course of the following year and a half, the stock came under considerable pressure for several reasons.
First, investors began to “climb a wall of worry.” The Copyright Royalty Board (“CRB”), a three judge panel that sets royalty rates for the industry, began deliberations on what rates Pandora and other providers would have to pay artists and record labels over the next five years. Investors feared a dramatic increase in rates that would permanently impair the economic model. The royalty rates were eventually set and, although modestly higher, they were nowhere near the dramatic increase bearish investors predicted.
Second, the company acquired Ticketfly, an online music venue ticketing app similar to Ticketmaster. Pandora aims to marry the vast storehouse of information on its users, their likes, their stations, and music preferences with performing artists’ touring schedules. In the age of digital music, 80% of an artist’s income is generated through touring. According to Pandora, 50% of tickets go unsold prior to the event. Pandora sits in the unique position to help artists connect with their fans, providing a unique service that no one else can deliver.
Third, Pandora acquired the technology assets of Rdio, Inc. out of bankruptcy to deliver a Spotify-like on-demand platform in 2017. According to Pandora, the company will break even on the acquisition if they convert a mere 2% of their already vast user base to a paid on-demand service. Although bearish investors point to a company that struggles to make money, we believe that the core ad-supported radio business is generating EBITDA. In our opinion, this is currently masked by the investments in the two new platforms.
Pandora’s goals are ambitious. They aim to be the dominant music platform for consumers; spanning radio, on demand, and concerts ticketing. We believe that, if Pandora can achieve these goals, the value of the company will be dramatically higher than today's price. However, should they fail, the core radio asset with its 90 million user base and 160 strong domestic sales force will surely be a sought after asset for other internet platforms such as Spotify or Facebook. | economics |
http://34.207.159.124/bit-crowdsale/ | 2018-12-12T02:32:16 | s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376823712.21/warc/CC-MAIN-20181212022517-20181212044017-00385.warc.gz | 0.892361 | 416 | CC-MAIN-2018-51 | webtext-fineweb__CC-MAIN-2018-51__0__75326427 | en | The Blockchain Institute of Technology is raising money to purchase a permanent building to expand on the awesome intellectual and productive work being achieved by New Hampshire seacoast individuals in our space. Our landlord has recently put our building up for sale so we have the incredible opportunity to establish a permanent home for BIT in Portsmouth!
Investors in our BIT token are crypto-wealthy individuals and blockchain enthusiasts who want to see a culture of decentralization through technology flourish throughout the New England Seacoast.
By sending ETH to the contract address our sponsors receive two BIT tokens for each ETH. The Institute will accept BIT tokens at the value of one BIT equals one ETH for all goods and services.
The crowd-sale will end when 25,000 ETH is raised, leaving a total of 50,000 BIT tokens available in circulation. The Blockchain Institute of Technology accepts BIT tokens at a face value of one BIT per ETH, so for every $1 in demand for BIT services (courses, lectures, events, rent, etc) sponsors may earn back up to $2 by buying services or by selling the tokens on the open market to other patrons or students wishing to attend The Institute.
Send ETH to crowd sale address: 0x0614fef694925bab5b02ea91c25e27b5c34008de
BIT Token address: 0xd91404da4e64e77869c4b407f7753ccca81426f1
Token Decimals: 18
Ticker name: BIT
BIT tokens are also sold on the XRP decentralized exchange.
To donate XRP and receive BIT tokens as proof of your sponsorship on the XRP ledger, take an order for accept an offer for BIT.rBG9Xa4ARYqKJh4XBiWbB3fxizWthSLhWb
For each XRP donated your account will receive two BIT tokens, which will be usable for Blockchain Institute of Technology services at the rate of one XRP per BIT. | economics |
https://www.globalinfrafacility.org/node/289 | 2021-03-01T00:06:16 | s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178361808.18/warc/CC-MAIN-20210228235852-20210301025852-00438.warc.gz | 0.883992 | 255 | CC-MAIN-2021-10 | webtext-fineweb__CC-MAIN-2021-10__0__47490590 | en | About 400 public and private representatives interested in sustainable infrastructure and PPP policies and investment in the Caribbean region attended a half-day GIF webinar co-organized with seven partners on January 28, 2021. To better understand the Caribbean region’s state of sustainable infrastructure investment, the webinar looked at the challenges and unique opportunities to scale private investment in low-carbon, resilient, and inclusive infrastructure in the region.
Its objects were to generate awareness of opportunities in the Caribbean through in-country examples of successful infrastructure Public-Private Partnerships, showcase innovative finance solutions that can play a catalytic role in scaling private sector infrastructure investment in the Caribbean, promote a pipeline of current infrastructure investment opportunities in the Caribbean, highlight work of regional and multilateral development banks active in the region.
The webinar's organizing partners include the Canadian Council for Public Private Partnerships (CCPPP), Caribbean Development Bank (CDB), Global Affairs Canada (GAC), Global Infrastructure Facility (GIF), Inter-American Development Bank (IDB), IDB Invest, International Finance Corporation (IFC), and World Bank (WB).
Breakout Session 1: Jamaica’s PPP Pipeline
Breakout Session 2: Solar PPP Programs in The Bahamas and Trinidad & Tobago | economics |
http://www.donottrackplus.com/trackers/yieldmanager.net.php | 2016-08-29T07:16:25 | s3://commoncrawl/crawl-data/CC-MAIN-2016-36/segments/1471982953863.79/warc/CC-MAIN-20160823200913-00044-ip-10-153-172-175.ec2.internal.warc.gz | 0.96061 | 217 | CC-MAIN-2016-36 | webtext-fineweb__CC-MAIN-2016-36__0__31402935 | en | yieldmanager.net is a domain used by RightMedia which is an advertising company that is part of a network of sites, cookies, and other technologies used to track you, what you do and what you click on, as you go from site to site, surfing the Web. Over time, sites like yieldmanager.net can help make an online profile of you usually including the sites you visit, your searches, purchases, and other behavior. Your profile can then be exchanged and sold between various companies like yieldmanager.net as well as being sold to other advertisers and marketers.
More about RightMedia:
Right Media launched digital advertising's first exchange platform in the spring of 2005 and is currently the largest exchange in the industry. Our success stems from the principles we started with: transparent, fair, open and efficient. We've stayed true to these values throughout a variety of market cycles. Since Yahoo! acquired the company in 2007, we have been working to build a premium exchange with more than 160,000 active global buyers and sellers and more than 9 billion daily transactions. | economics |
https://www.alarmsupply.com.sg/about/ | 2024-02-25T05:50:19 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474581.68/warc/CC-MAIN-20240225035809-20240225065809-00479.warc.gz | 0.956675 | 302 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__145839138 | en | Our commitment to being the most complete and trusted provider of fire equipment in Asia.
Established in 1982, Alarm Supply has been the foremost provider of quality fire fighting equipment to Singapore and the ASEAN Region for more than 30 years. Since its inception, the company has built a reputation for itself as a reliable and trusted supplier of quality equipment as some of our major customers will attest to.
We pride ourselves in our customer relations that have been built over the years. Even with the onset of the Asian Financial Crisis. Alarm Supply has stood firm in the ailing economy, performing above industry average and surpassing government forecasts. This proves that our customers value us as much as we value them even in times of economic slowdown.
We have withstood the onslaught of the crisis because of our excellent administrative foundation and superb customer relations and more importantly, customer satisfaction.
Our supply chain management has also been a pillar of strength for the company. We have exclusive distribution rights to many reputable companies in Europe and North America. Our proven track record with these companies shows our commitment not only to our customers but to our suppliers as well.
We are proud that we were the first agent for APOLLO in the world and the company has since grown to become the market leader in detectors in the United Kingdom.
American Bureau of Shipping
Det Norske Veritas
Loss Prevention Certification Board
Maritime and Coastguard Agency
Marine Equipment Directive
Registro Italiano Navale | economics |
http://www.blizzardnewmmo.com/RMAH | 2013-05-22T13:43:24 | s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368701806508/warc/CC-MAIN-20130516105646-00059-ip-10-60-113-184.ec2.internal.warc.gz | 0.955964 | 867 | CC-MAIN-2013-20 | webtext-fineweb__CC-MAIN-2013-20__0__101874151 | en | From Blizzard's New MMO Wiki
Real Money Auction House
Diablo II taught Blizzard that people found a way to not only trade useful item drops to help fellow players, but to also make a bit of money on the side. In more recent times, this process has become known as Gold Farming, and rather than ignore, or fight the trend, Blizzard have embraced it for Diablo III, offering up active auction houses for items, split into currency regions where they, of course, take a slice of the pie, but you can freely sell items for real-world money to then pocket or use against your Battle.net account for purchases or usage with other Blizzard products and services.
So the basics are, it’s integrated into the game client which means you can trade completely within the game itself. You’ll be able to sell items, gold and components with auto-bidding or via instant buy-out (so if you’re familiar with the WoW auction house you’ll have a sense of how this works). Auto-bidding is a new addition though, that will allow you to set a certain price for specific items you’re chasing, which means you won’t always need to be online to participate in auctions.
Searching for items is a simplified and easy affair thanks to a lot of smart search functionality. Given the game works specifically off of a random item generator (so you never know what you’re going to get), you’ll be able to search for affixes and items integral to your chosen skills, class or load-outs for maximum customisation, and to really give the trading system robust purpose.
The game is going to require you to be always online for full access, but this will allow your auction house movements to be immediately linked across your entire account, and there’s an in-game “Stash” box where all your items bought or found will go, which you can then uitilise across any characters you have with your Battle.net account. It’s all instantaneous. Moreover, all transactions within the auction house are part of a secured item transfer system, meaning you no longer need to arrange to go into town and meet your buyer and drop his gear in front of him in a hope he picks it up before someone else does. All trades will also be conducted with anonymity (so you’re invisible during trades, essentially) to maintain the secure aspect of what Blizzard are attempting to do here.
All that said though, you don’t have to use the real money auction house, and it was revealed the team were also offering up a separate gold auction house, where you’ll use the game’s own currency to buy items. And for the Hardcore mode players out there, you won’t be able to use any items from the auction house in that mode.
Auction houses will be split into regional currency, though it is possible to participate in other regions, you’ll just cop the appropriate fees applied to conversion rates and the like.
As for how the money end of things works, there’ll be two different fees - a listing fee, and then a sale fee. Blizzard’s Rob Pardo mentioned in a interview for AusGamers.com that they weren’t ready to go into specifics just yet about what sort of dollar value you’d be looking at for both fees, but assured us they’re not looking to pinch your pennies, and that it would be a nominal figure for both and fixed, flat-rates, to boot. He did also mention though, that they were toying with the idea of allowing for a certain number of free listings per week as both an incentive to participate, and general loyalty reward.
Speaking of cash, cashing out of your earnings from the auction house can be done in two ways. One is to simply roll your earnings into your Battle.net account balance, which will obviously net you the highest return, because the second option, which is to physically cash out, will likely set you back extra fees as Pardo revealed they’d be going with an unannounced third-party payment provider. | economics |
https://statisticscalculators.net/statistics/exponential-growth-prediction-calculator/ | 2023-09-30T04:09:24 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510575.93/warc/CC-MAIN-20230930014147-20230930044147-00863.warc.gz | 0.908016 | 698 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__156565884 | en | Utilize our free online Exponential Growth Calculator and solve all complex problems on the exponential growth model effortlessly. Just enter the input values like initial amount, rate of change, elapsed time, and click on the calculate button to get the result in a matter of seconds.
What is Meant by Exponential Growth & Formula?
Exponential growth is generally used in the science fields to predict what will be the state of a quantity in the next coming time. The quantity that increases is called growth. Simply, the process that rises quantity over time is called exponential growth. Real-life examples of exponential growth include microorganisms in culture, spoilage of food, human population, etc.
Formula of Exponential Growth
The exponential growth formula is appiled to reveal a function of exponential growth. Following is the exponential growth formula:
x(t) = x0 × (1 + r)t
x(t) is the final value after time t
x0 is the initial value
r is the rate of growth in percent
t is the total time in discrete intervals and selected time units.
Step-by-step Solution on Calculating the Exponential Growth
The following steps are used to calculate the exponential growth manually:
- Firstly, find out the initial value for the quantity we want to determine the future value.
- Next, define the growth rate of that quantity, which might be with respect to years or months to even minutes and seconds.
- After these two steps, it figured out the tenure or the total period for which the quantity will stay in the system.
- At this point, we have to calculate the total number of periods for which growth has to be calculated and compounded.
- At last, by combining the initial value, the annual growth rate and the number of periods in the tenure, the exponential growth of the quantity will be solved.
James loans $10,000 to his friend at an annual interest rate of 4.7%, compounded yearly. Find the amount owed by his friend after 5 years by the exponential growth formula?
Given initial amount is a = $10,000.
r = rate of interest (growth) = 4.7% = 4.7/100 = 0.047.
x = number of years = 5 years
Apply the exponential growth formula, i.e.,
f(x) = a (1 + r)^x
f(x) = 10000 (1 + 0.047)^5 ≈ 12,582 (Rounded to the nearest integer).
Hence, the total amount owed after 5 years = $12,582.
FAQs on Free Online Exponential Growth Calculator with Steps
1. What is the general representation of exponential growth?
Exponential growth is generally represented by the formula: P(t)=P0ekt.
2. What is the formula of exponential decay?
The exponential decay formula is (y) = a * (1 – r) ^x. Where, a = Initial growth (the amount before measuring decay) r = Decay rate (most often represented as a percentage and expressed as a decimal) x = Number of time intervals that have passed
3. Where can I find the free online exponential growth calculator?
You can easily find the free online exponential growth calculator from our website @ statisticscalculators.net | economics |
http://mdbuyline.applytojob.com/apply/job_20170313132102_H2GJOWYB4ZSTCTNQ/Associate-Analyst?source=GS | 2017-04-25T18:14:19 | s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917120844.10/warc/CC-MAIN-20170423031200-00220-ip-10-145-167-34.ec2.internal.warc.gz | 0.933692 | 541 | CC-MAIN-2017-17 | webtext-fineweb__CC-MAIN-2017-17__0__71936904 | en | As the healthcare landscape evolves, providers are being asked to deliver higher quality care at a lower price. To survive in this environment, a new level of rigor is required. MD Buyline is the market leader in providing clinical, operational and financial insight on medical technology and services to the nation’s hospitals and healthcare organizations. For over 30 years, MD Buyline has been actively assisting organizations to maximize their capital and material resources to ensure optimal efficiency.
In today’s competitive healthcare environment, the burden on operating efficiency is higher than ever. In response to this heightened pressure, MD Buyline is actively expanding its products and services portfolio to meet the needs of the entire healthcare community. At the same time, this brings about an opportunity to expand our team of analysts and support staff.
We are actively looking for an Associate Analyst. The Associate Analyst will assimilate and analyze detailed information to identify opportunities for cost reductions, competitive vendor insight, and standardization as well as perform business analytics. This position requires collaboration with subject matter experts, analysts, managers and demands the capability to meet rigorous deadlines and balance multiple priorities to achieve high levels of productivity.
Preferred Skills and Experience:
* Bachelor’s degree required.
* Must have a high level of attention to detail, be flexible and customer service oriented.
* Must be self-motivated with accountability and ownership of work.
* Healthcare supply chain, contract management, and/or data management experience are a plus.
* Must have strong communication and interpersonal skills to interact with teammates and customers.
* Must have strong computer skills and working knowledge of Microsoft Office products.
MD Buyline offers a competitive compensation package including:
Competitive base salary
Opportunities for advancement and growth
Full benefit package: including medical, dental, vision, 401K ER match, paid time off (PTO), Fitness reimbursement, DART or parking reimbursement.
About MD Buyline:
MD Buyline focuses on removing the strategic and tactical barriers that challenge healthcare providers to ensure they make the right medical technology investments at the right price. With three decades of experience, and partnerships with thousands of hospitals and health systems nationally, MD Buyline is the market leader in providing hospitals and health systems with the insight necessary to purchase with confidence. MD Buyline offers a complementary suite of solutions designed to simplify the research, budgeting, and purchasing process for medical capital, consumables, IT, and service. Grounded in the knowledge that data needs to be supported by experience and best practices to achieve sustainable results, the MD Buyline team of Clinical Analysts marry raw data with expert guidance and support.
NO phone calls please. | economics |
https://www.elogistic.solutions/retail-supply-chain-logistics-expo/ | 2023-05-28T15:34:22 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644309.7/warc/CC-MAIN-20230528150639-20230528180639-00254.warc.gz | 0.942537 | 503 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__94642923 | en | 2nd & 3rd March 2022 – ExCeL London
Elogistic are attending the Retail Supply Chain & Logistics Expo at stand SC2360.
This event is the ultimate hub for retailers to source the solutions that will ensure their supply chain is running as smoothly and efficiently as possible, in order to meet demand and the all-important expectations of their customers!
As a global logistics and fulfilment specialist as well as working with some of the world’s leading retailers and e-commerce brands, Elogistic can offer their excellent services that any organisations and brands can benefit from, providing fast and accurate pick & pack operations as well as competitive last-mile delivery rate. Helping businesses reaching customers around the world with bespoke fulfilment and logistic solutions.
Taking place at London’s ExCeL on the 2nd & 3rd March 2022, the event will showcase the innovations and technologies that are shaping the face of the industry!
Elogistic Business Development Director Charles Lu says “We are excited to attend one of the UK’s leading supply chain and logistics exhibitions. Having set up 11 hubs in the UK and over 20 sites across the rest of the world in the last 18 months to become the global leading logistics provider in such a short space of time we are ready to build on that success.”
From increasing speed to cutting costs, the Retail Supply Chain & Logistics Expo will bring together 200 of the industry’s leading suppliers with over 100 expert speakers, to bring you the very latest in warehouse automation and supply chain optimisation. Elogistic are at the forefront of the industry Whether you’re a small independent retailer or a multinational chain, come and talk to us on Stand SC2360 to keep those orders rolling out accurately and on time.
London’s ExCeL will be filled from wall to wall with the best innovations from across every corner of the industry. Experience the latest products and solutions,
Tickets are completely free and will also grant you unprecedented access to Smart Retail Tech Expo and the White Label World Expo, running directly alongside! Head over to retailscl.co.uk to register now and make sure you visit Elogistic on stand SC2360.
For Elogistic enquiries:
Laura Dryhurst – Marketing Consultant:
T: 0203 771 7983 (EXT.888) | economics |
https://www.masdevpartners.com/article.cfm?a=21 | 2020-05-29T17:16:49 | s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347405558.19/warc/CC-MAIN-20200529152159-20200529182159-00044.warc.gz | 0.950312 | 1,342 | CC-MAIN-2020-24 | webtext-fineweb__CC-MAIN-2020-24__0__32333910 | en | Fueled by low gasoline prices and easier credit, the U.S. auto industry pulled its recent winning streak into 2015 with a nearly 14% January sales increase and over half of sales comprised of high priced pickups and sport-utility vehicles.
The momentum, which includes double-digit percentage sales increase for each of the Detroit Three car makers compared with the same period a year ago, continues the upturn’s major trends: U.S. demand for trucks and sport-utility vehicles are skyrocketing amid $2-per-gallon gasoline, boosting transaction prices and margins at a time when the rest of the global auto industry offers little profit potential.
Those industry gains are coming at the expense of one of the goals Washington had when it bailed out General Motors Co. and Chrysler Group late last decade. Envisioning a much more fuel-efficient auto industry, President Obama set a goal of 1 million electric vehicles on the road by 2015.
The market likely will fall well short of that despite tax incentives and ample installed electric-vehicle capacity in American automobile factories. Sales of light trucks and SUVs in January grew 19.3%, representing 54% of the sales mix, according to researcher Autodata Corp. Passenger cars grew at a more modest 7.7% and, of those, electrified vehicles represented well under 1% of sales.
“The American people love their trucks,” said Mike Jackson, chief executive of No. 1 U.S. dealer chain AutoNation Inc. “This decline in gas prices is a definite plus for the industry both in consumer attitude and the type of vehicles they buy.”
GM, the largest U.S. auto maker, reported an 18% sales increase in sales compared with the same period in 2014. The growth is coming on the back of redesigned trucks and SUVs that made their debut last summer just as oil prices were beginning to point downward. GM pickup truck sales increased 43% last month and SUV demand increased 36%.
Sales of the auto maker’s Escalade luxury SUVs jumped 171% while its plug-in hybrid Chevrolet Volt, cited by President Obama in 2011 as an example of where the industry needed to head, fell 41% over the same period.
Nissan Motor Co. ’s Leaf electric car fell 14.5%, and Tesla Motors Inc. ’s Model S are estimated to have been flat, said analysts who project the Silicon Valley auto maker’s sales.
Ford Motor Co. notched the highest January sales for its F-series pickup trucks since 2004 despite supply limitations. The Dearborn, Mich., auto maker post a 15.6% gain for the month. Fiat Chrysler Automobiles NV’s rugged Jeep brand sold 51,523 vehicles, more than Volkswagen AG’s VW and Daimler AG ’s Mercedes-Benz brands combined.
The shift supports the business model for many of the auto makers doing business in the U.S. In most of the global auto industry outside of China, making money remains difficult, forcing many to continue relying on North America for most profits. The strong dollar has helped importers, including Fuji Heavy Industries Ltd. ’s Subaru and BMW AG earn fat margins on cars imported from Europe and Asia.
All these sales are generating jobs at U.S. auto plants that are humming at some of the highest capacity-utilization rates in the history of the industry. Success of models like Ford’s F-150 or Jeep’s Wrangler has prompted the hiring of tens of thousands of auto workers at domestic factories since the last contract with the United Auto Workers union was signed in 2011.
Chrysler on Tuesday said it would pay UAW workers $2,750 in profit-sharing for 2014, the highest for the auto maker’s blue-collar employees in several years. Ford last week said it would pay $6,900 in profit-sharing. GM will disclose its UAW payout when it announces fourth-quarter earnings on Wednesday.
Toyota Motor Corp., the world’s largest auto maker by sales, also reports earnings on Wednesday and against the backdrop of a steep increase for its three U.S. brands, which together rose 16% to 169,194 vehicles during the month.
“Consumers feel good because more people are working, the U.S. economy is expanding and fuel prices are low,” GM sales chief Kurt McNeil said. GM’s average transaction prices hit $34,800 a vehicle in January, up $2,400 compared with year ago.
“Low fuel prices provide a significant boost to consumer disposable income,” Ford economist Emily Kolinski Morris said. She noted low interest rates are also helping, and “are likely to remain a prominent feature of the near-term outlook.”
While January’s industry tally was hot, it was a bit weaker than the headline numbers suggest due to one more selling day this time around. And, the comparison to January 2014 was further aided by the storms and cold spell that crippled large parts of the nation a year ago.
The annualized pace of sales increased 9% during the month, according to Autodata. If seasonal factors remain the same over the next 11 months, full-year sales would exceed 17 million for the first time in more than a decade.
The fundamentals of the industry remain strong, analysts and auto executives said. Auto makers, helped by plant closures and restructuring during the recession, are now in a far stronger position to manage fluctuations in production demands.
Factory utilization, for instance, is at an all-time high, according to researcher WardsAuto.com, helped by recession-era plant closures and restructurings. That high utilization keeps unsold-car inventories in check, reducing the temptation to flood the market with vehicles no one wants to buy and lessening the need for large-scale discounts.
Automotive information provider Kelley Blue Book said transaction prices of new light vehicles overall are up 5% compared with a year ago to $33,993, although they fell 1.7% from December. TrueCar estimates average incentive spending, including rebates and discounts, was $2,642 during the month, up 3.6% over the same month a year earlier.
Among other major car makers, Nissan reported sales up 15% to 104,107 vehicles. Hyundai Motor Co. said its U.S. sales were up 1% over a year ago to 44,505 vehicles. | economics |
https://gvhsjaguarjournal.com/2019/03/13/how-to-pay-for-college-in-gv/ | 2023-09-29T13:26:11 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510516.56/warc/CC-MAIN-20230929122500-20230929152500-00167.warc.gz | 0.969303 | 556 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__287463731 | en | By: Karina Zakarian
As a senior, it has been both exciting and arduous going through the college process, from filling out numerous applications to visiting campuses, auditioning for scholarships, and trying to determine the college or university that most closely reflects personal values and feels like a “second home”. One of the most challenging aspects to college revolves around finances, as quite a few schools have extremely high expenses, including tuition, room and board, as well as textbooks and other academic components. Parents often times have set limits to the amount of money they will provide their seniors for college, which can become a serious issue if those students apply and are accepted into very expensive colleges that they are interested in.
Although this is not always the case and families can try to negotiate with schools to obtain further financial aid -especially in a wealthier, more privileged area like Garnet Valley-, one of the most effective ways in order to get more money to pay for college is through scholarships. Colleges all across the United States have varieties of scholarships, ranging from merit scholarships to talent scholarships to community service scholarships. Often times, these scholarships require an application to be filled out, and particularly with performing arts scholarships, students have to go back to the schools and audition in order to become a finalist and/or recipient of those specific talent scholarships; for instance, I have had to return to a couple of colleges in order to audition for dance scholarships. Sometimes with merit scholarships, certain schools in their applications on Common App, Coalition App, or another online program will automatically consider students for scholarship as long as they meet certain academic requirements.
In addition to the various scholarships that colleges offer, Garnet Valley High School and the surrounding township also offer an array of scholarships. Specifically, GV college and career specialist Mr. Salladino continuously sends out information to the senior class each year regarding various scholarships they can apply for. Recently, Mr. Salladino sent out an email to seniors highlighting some of the scholarships that students can apply for, including the GVHS Quarter Note Scholarship, the Leadership Service Spirit Award, the Sharon Bitzer Schreiber Memorial Scholarship, and the Vanessa Stroup Scholarship. Most of these scholarships are more merit-based; some of them are more restrictive towards those living in Garnet Valley, as they indicate that in order to apply one is in financial need.
Overall, scholarships are a large part of the college process and can make tremendous differences in the amount of money that students and parents have to pay in the end. Whether students receive a few large scholarships or apply for and receive many smaller scholarships, these financial helpers will build upon one another and make college payments much more manageable by the time students choose the colleges they wish to attend. | economics |
https://www.wcbsask.com/news/wcb-announces-proposed-2020-average-employer-premium-rate | 2024-04-25T04:22:45 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712297284704.94/warc/CC-MAIN-20240425032156-20240425062156-00743.warc.gz | 0.946956 | 648 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__183908269 | en | Regina, SK, Oct. 23, 2019 – The Saskatchewan Workers’ Compensation Board (WCB)’s 2020 proposed average employer premium rate will remain at $1.17 per hundred dollars of payroll. This is the same rate as in 2019. The announcement was made today in Prince Albert at the WCB’s annual rate setting meeting with Saskatchewan workers, employers and stakeholders.
“After more than a decade of decreases to our average premium rate, the average rate will not drop in 2020. Instead, our expected average rate will remain the same as last year’s rate,” said the WCB’s CEO Phil Germain. “Although the proposed average premium rate hasn’t changed, two-thirds of employers will see an increase to their industry premium rate next year. The economy plays a factor in whether our payroll will increase or decrease. We’re also seeing a consistent number of serious injuries occurring annually, which impacts claims costs. When claims costs increase at a faster rate than payroll, this impacts premium rates.”
Claims costs increased 7.62 per cent from 2017 to 2018. Contributing factors included increases in mental health claims costs, as well as a significant increase in the number of fatalities, which increased 78 per cent in 2018 compared to 2017. These types of claims that are more serious in nature require more, longer-term treatment and impact claims costs.
“The WCB’s 2020 proposed average premium rate is 43 per cent below the 17-year high of $2.05 in 2004. Preventing injuries plays a part in determining premium rates. While over the last three years 88 per cent of employers have achieved zero workplace injuries, the leveling off of the premium rate indicates that there is still more work to be done,” said Germain. “Our compensation system is designed to ensure that our employers pay for the costs related to today’s claims. Premiums collected in a rate year cover the lifetime costs associated with the claims that happen in that year.”
With the 2020 rate proposal:
- While Saskatchewan continues to have the third lowest premium rate in the country, premium rates for 67 per cent of employers will increase next year. The increases range from 0.8 per cent to 11.1 per cent.
- Industry premium rates for 33 per cent of Saskatchewan’s employers covered by the WCB will see a decrease or no change for 2020. The decreases range from 0.7 per cent to 12 per cent.
- The overall 2020 proposed average employer rate will remain at $1.17 per hundred dollars of payroll.
“For more than a decade, we’ve seen Saskatchewan workers and employers commit to injury prevention in the workplace. Not only has this protected the wellbeing of workers and employers, but it has also influenced the rates employers pay,” said the WCB’s Board Chairperson Gord Dobrowolsky. “We cannot thank all of you enough for your injury prevention efforts. However, even with these advances, we all need to remain vigilant to keep 100 per cent of our workplaces injury-free.” | economics |
https://www.couponssnatcher.com/best-deals-at-costco-to-justify-that-membership-fee | 2022-12-07T12:21:55 | s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711162.52/warc/CC-MAIN-20221207121241-20221207151241-00761.warc.gz | 0.939999 | 459 | CC-MAIN-2022-49 | webtext-fineweb__CC-MAIN-2022-49__0__98531232 | en | There are plenty of deals to find at Costco®, but shopping smart is the secret to saving the most cash. Read on to figure out how to find the best deals at the members-only wholesale giant, and maximize your membership.
Learn the price codes Costco® uses
Smart shoppers can tell if a product is a good deal by paying attention to the last digits of the price. Whether you rarely shop at Costco® or you’re there every day, it’s helpful to know these tips. If an item’s price ends in 99 cents, it’s the regular wholesale price. If a price ends in 97 cents, it’s the final discount price. This means that the item won’t get any cheaper. If the price sign has an asterisk on the upper-right corner, it means that the item won’t be restocked, so you may want to stock up.
Watch out for rotating monthly sales
If your favorite brand of window cleaner isn’t on sale this month, it may be worth waiting for a few weeks to see if there’s an upcoming price reduction. It’s always good to wait until an item goes on sale since Costco® rotates which brands will be on sale just about every month.
Prevent impulse buys by learning the layout of your local Costco®
Costco® stores are organized in a way that forces shoppers to walk through as many aisles as possible. So, if you’re trying to stick to a budget, we recommend heading straight to the aisles you want. By doing this, you’ll optimize your next shopping trip and avoid unplanned purchases.
Be sure to stock up on items after the holiday season
Though many people try to give their credit cards a break after the holidays, you may actually score big discounts on items at Costco® if you shop during the first few weeks of January. Since Costco® gets many returns after the holidays, the returned items are usually discounted by 50% so that they’ll sell quickly. January is also a good time to stock up on seasonal decor due to post-holiday sales. | economics |
http://www.touchgotech.com/ | 2018-03-19T20:24:49 | s3://commoncrawl/crawl-data/CC-MAIN-2018-13/segments/1521257647146.41/warc/CC-MAIN-20180319194922-20180319214922-00135.warc.gz | 0.889271 | 343 | CC-MAIN-2018-13 | webtext-fineweb__CC-MAIN-2018-13__0__199706501 | en | TouchGo Technology Systems Limited (TouchGo) has developed the new generation of PC based Intelligent Vending Machines (IVM) incorporating a large 46" touchscreen, internet connectivity, web camera for audience impression metrics, QR code scanner for mobile phone payment and other payment terminal devices.
This allows operators to control the vending machine remotely, over the internet, so that price changes, special offers, video advertising content etc. can be changed. The IVM provides cloud based reporting and telemetry information.
Customers interact with the machine via the touchscreen and can pay with contactless or contact debit/credit cards (no pin) or by PayPal or Ensygnia Onescan smartphone payment apps. The IVM can handle multiple purchases via a visual shopping basket system to ensure payment transaction costs are kept to a minimum.
The IVM software is fully developed and operational. TouchGo owns the intellectual property (IP) in the software code and has the necessary certifications and approval agreements with VISA and Mastercard to allow the use of contactless and contact (no pin) payments at the vending machine. The IVM is manufactured exclusively for TouchGo by our supplier partner in China. The supplier will also market the IVM directly into the Chinese market in a joint venture with TouchGo.
The TOUCHGO technology solution exists to transform processes in the Intelligent Vending Machine marketplace, create new revenue based services and provide a useful node of interaction with the consumer.
TouchGo is in discussions with organisations in the fast growing coffee tower "On the Go" to provide its IVM software to enhance their proposition as effectively as possible
TouchGo Technology Systems Ltd
Science + Technology Centre
University of Reading | economics |
https://activismatlanta.com/emoryunite | 2023-04-01T22:45:15 | s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296950363.89/warc/CC-MAIN-20230401221921-20230402011921-00304.warc.gz | 0.972968 | 184 | CC-MAIN-2023-14 | webtext-fineweb__CC-MAIN-2023-14__0__155913898 | en | Together, We Will Have a Voice in Our Workplace
Graduate students at Emory and across the country are now legally recognized as employees. It should come as no surprise to all of us who work and study here; we know the essential duties we perform as teaching and research assistants. For decades, graduate student-employees at public universities have exercised collective bargaining rights, and have won significant improvements in their pay and benefits as a result.
We deserve a living wage, better benefits, and a voice in our working conditions. Instead, our stipends have failed to keep pace with the rising cost of living in Atlanta, the administration has chipped away at our health insurance, and we still do not have a binding employment agreement. We have the right to form a union and bargain as equals with the administration for a contract that improves our lives and strengthens Emory as a whole. | economics |
https://visarc.uk/news/bespoke-ev-running-cost-tool-for-hyundai-capital/ | 2023-01-27T22:07:27 | s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764495012.84/warc/CC-MAIN-20230127195946-20230127225946-00034.warc.gz | 0.90728 | 354 | CC-MAIN-2023-06 | webtext-fineweb__CC-MAIN-2023-06__0__70917180 | en | Visarc develops bespoke EV running cost comparison tool for Hyundai Capital UK
Hyundai Capital UK commissioned Visarc to create a modular electric vehicle (EV) running cost comparison tool that has been integrated within the websites of two of its finance brands. Visitors to Hyundai Finance and Kia Finance can now compare the cost of the fuel and road tax (VED) of a conventional diesel or petrol engine against an electric (EV) or plugin hybrid (PHEV) powertrain, and discover the potential cost benefits that can be made from switching to electric.
The last 12 months has seen the launch of several important new EV models across the Hyundai and Kia ranges. The modular EV calculator supports this commitment to bringing viable electric vehicles to the UK market. It allows consumers visiting the Hyundai Finance and Kia Finance websites to easily establish whether switching to electric power will be cost effective, based in their specific circumstances.
andrew ockenden, senior account director at Visarc
Visarc has designed, developed and installed, the EV running cost comparison tool which uses live data feeds to ensure data accuracy.
about Hyundai Capital UK
Hyundai Capital UK is a joint venture between Santander Consumer UK and Hyundai Capital Services Korea. Established in 2012 it provides retail finance solutions for Hyundai, Kia and Genesis Finance brands for the purchase of motor vehicles.
Visarc specialises in the design and development of Umbraco CMS websites through to highly complex data driven solutions and bespoke systems. The agency’s focus is always to create the best user experience coupled with technical quality and rigorous build standards, backed by the reassurance that everything we do is developed in-house. To find out more about our digital solutions please get in touch. | economics |
http://www.thelavgroup.com/whats-home-worth/ | 2017-12-15T14:02:17 | s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948572676.65/warc/CC-MAIN-20171215133912-20171215155912-00252.warc.gz | 0.920261 | 345 | CC-MAIN-2017-51 | webtext-fineweb__CC-MAIN-2017-51__0__24791977 | en | The value provided below is estimated and based on public record and/or the county assessor’s data. Results are non-specific, system generated, and for broad estimation purposes only. If you would like a more specific evaluation of your home based on today’s current Market and additional details distinct to your property, please contact us for a Custom Market Analysis. We’d love to discuss your home’s current value – at no charge to you!
What is a (CMA) comparative market analysis?
A Comparative Market Analysis (CMA) is an evaluation of similar, recently sold homes (called comparables or comps) that are near a home or homes you wish to buy or sell. Buyers, sellers, or real estate agents perform a CMA report to establish and find a fair price range for a specific home. The price range from the CMA can then be used as a guide to establish an offer price or listing price. Would you like to have a better understanding of the current Market and value of your home? The Laviolette Group would love to discuss your home with you – at no charge to you! With years of experience in Central Indiana, you can feel confident that The Laviolette Group will provide you with a detailed and accurate information.
The process for doing a comparative market analysis includes:
Defining criteria for selecting comparables in close range to the home
- Determine a list of quality comparables
- Evaluate the comparables within close range to the home
- Adjust comparable values for differences in size, condition, location, amenities, etc
- Estimate the ideal value of your target home based off the findings | economics |
https://blog.alternativeapparel.com/me-to-we-a-brand-we-love-empowering-women | 2021-04-15T02:01:24 | s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038082988.39/warc/CC-MAIN-20210415005811-20210415035811-00466.warc.gz | 0.966829 | 724 | CC-MAIN-2021-17 | webtext-fineweb__CC-MAIN-2021-17__0__178816265 | en | In Kenyan Maasai culture, women are responsible for most of the hard work, including collecting water, tending to children and running the household, while only men were traditionally working outside the home. Until recently, women had little financial or social autonomy, even though according to Jewelry Designer Kessa Laxton, the women are "incredibly resourceful, and they know how to make a lot happen with a little. They always think, ‘what do I have at my disposal, and how do I make it work?’ They come up with incredible results.”
Empowering women to work not only helps them contribute to their families financially but also allows them to be included in the decision-making within the family and the larger community. What has sparked the recent change empowering these women to find work? Rather, who is sparking the change? The newest Brand We Love ME to WE.
ME to WE is driven by the belief that economic opportunities are the best way to break the cycle of poverty and therefore works as a social enterprise. ME to WE Artisan pieces are beautifully handcrafted by more than 1,400 women in Kenya using the traditional skills passed down through generations. Each piece celebrates heritage art forms and provides artisans with income and the empowerment to become respected voices in the community. Every dollar a mother, or Mama, earns goes straight to her household, children and community.
“Artisans is a true partnership between ME to WE and the Mamas; it’s been a process of building an incredible team, made possible by so many amazing people in Kenya and Toronto," says Roxanne Joyal, founder of ME to WE Artisans. However, it’s not all work and no play. According to Laxton, “the Mamas will burst into song at times, there's always a ton of laughter. Our design process is a wonderful cross-cultural exchange of women working together to create beautiful things."
In addition to financial independence, working with ME to WE also provides the Mamas with a creative outlet as well as an escape. “When we come here to bead and gather, we share ideas. We outgrow stress, forget our worries and focus on our work,” says ME to WE Artisan Mama Susan. Allowing the women to work together also creates a sense of camaraderie and community. Mama Toti loves working with her sister, because she's "able to teach her, and learn from her. Together, we can teach our brothers and sisters, and our children, too.”
Wondering how you can get involved? With ME to WE’s Track Your Impact tool, you can see where your social impact is delivered each time you make a purchase. The code generated from each purchase connects the dots directly to the community you help empower.
So what’s next for ME to WE Artisans? They are excited to expand to Ecuador and empower even more women to share their cultural traditions with the world. In the remote indigenous communities in Ecuador’s Andes and Amazon regions, there are limited opportunities to earn an income, with many families living on less than $2 a day. This program empowers women to earn a sustainable income close to home. Each woman also gains access to entrepreneurship workshops, small business training and mentorship from expert local artisans.
Shop ME to WE, and style with purpose with one-of-a-kind handmade pieces. When you wear ME to WE, you make a statement heard around the world. | economics |
https://joeljoy.net/real-estate-market-update/ | 2024-04-13T08:14:49 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816586.79/warc/CC-MAIN-20240413051941-20240413081941-00359.warc.gz | 0.941945 | 485 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__175251058 | en | As of the latest analysis on the real estate market, here are some key insights.
1. Housing Demand:
Despite economic uncertainties, the housing market continues to show resilience and strong demand. Factors such as low mortgage rates, millennials entering the market, and a desire for more space due to remote work have all contributed to the high demand for housing.
2. Seller’s Market:
The current market remains favorable for sellers due to limited inventory. The low supply of available homes has led to increased competition among buyers, resulting in multiple offers and bidding wars. This situation has driven up home prices in many areas.
3. Urban to Suburban Shift:
The COVID-19 pandemic has prompted a noticeable shift in preference from urban to suburban areas. Families and individuals are seeking larger homes with more outdoor space. Suburbs are attracting buyers due to better affordability, lower population density, and a desire for a less crowded lifestyle.
4. Remote Work Impact:
The increasing prevalence of remote work has influenced real estate trends. Work-from-home arrangements have allowed individuals to prioritize factors like affordability, quality of life, and access to amenities when choosing their homes. This has caused a surge in interest for properties in areas with a suitable work-from-home environment, such as home offices or nearby co-working spaces.
5. Investment Opportunities:
Real estate investments remain a viable option, attracting investors looking for stable returns. The rental market has shown resilience, particularly in suburban areas where demand for rentals has increased. Investors are focusing on properties that cater to remote workers and offer amenities such as outdoor spaces or communal work areas.
6. Technology Adoption:
The real estate industry is embracing technology at an accelerated pace. Virtual tours, online transactions, and digital marketing have become integral parts of the home buying and selling process. Real estate professionals who adapt to these innovations are better positioned to succeed in this ever-evolving market.
It’s important to note that the real estate market can vary significantly depending on the location. Therefore, it is always advisable to consult with a local real estate professional to better understand the specific dynamics of your area.
Overall, the real estate market remains robust, driven by unique market conditions and evolving buyer preferences. As the economy continues to recover, it will be intriguing to observe how these trends develop further in the coming months. | economics |
https://www.kohlimortgages.ca/index.php/articles/viewarticle/1355/the-lowdown-on-appraisals | 2024-04-19T11:46:49 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817398.21/warc/CC-MAIN-20240419110125-20240419140125-00341.warc.gz | 0.942577 | 653 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__178031607 | en | Recent News Articles
You are my No. 1 Priority!
The lowdown on appraisalsPosted on: 2021-11-01
The lowdown on appraisals
Whether you’re purchasing a new home or want to complete a refinance of your current mortgage, it’s important to understand the role of the home appraisal and how it can impact the outcome of your mortgage application.
After you submit an application, your lender may require an appraisal, which is simply an unbiased determination by an accredited independent appraiser of the market value of the property your lender will be financing.
When you purchase a home, your lender wants to be sure that the home’s selling price is an accurate representation of the home’s condition and neighbourhood, and that you are not borrowing more than what the home is worth. The lender also wants to be sure the property meets its lending guidelines.
When you refinance your mortgage for debt consolidation or to access funds for other needs, the appraisal will be used by the lender to determine the amount of funds that you can borrow since you can only refinance a set amount, up to 80% of your home’s appraised value.
When switching your mortgage to a new lender at renewal to get a better rate or terms, the appraisal is required to verify the property’s value.
To complete the appraisal process, an appraiser typically visits the home to get the information needed. The appraiser will also analyze market comparables and then provide the lender with a written opinion of the property’s value. If the appraised value is sufficient, your mortgage approval is finalized assuming all other conditions have been met. The cost is often passed along to you, typically forming part of your closing costs.
What’s important for you?
- In many bidding war situations, some buyers are paying over asking but the appraiser may determine that the property has a lower value, which could affect your financing and require you to increase your downpayment, particularly if you are right at 5 or 20% down.
- A hot housing market also means that appraisers are very busy so be careful with quick closings. It may not be possible to get the appraisal done in time.
- The lender is the appraiser’s client, not you, so the appraisal is sent to the lender and only discussed with them.
- When a realtor gives you an evaluation of a property’s value, that should not be considered an appraisal for financing purposes.
- A home inspection is not the same as an appraisal. A home inspection is often a condition of a purchase and is done to protect the homebuyer. A qualified home inspector assesses the physical condition of the home and its major systems to help you determine if everything is in good working order, and what repairs are needed and by when.
As always, please get in touch at any time if you have any questions regarding a home purchase, refinance, or a switch at renewal. It’s always a good idea to get advice well in advance of the mortgage financing process so you know what to expect and are fully prepared. | economics |
https://hernet.news/?p=3928 | 2024-04-13T00:33:54 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816465.91/warc/CC-MAIN-20240412225756-20240413015756-00774.warc.gz | 0.890465 | 641 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__78879312 | en | As Bangladesh strides into the fiscal year 2024-25, the spotlight turns towards the nation’s commitment to battling climate change through a significant transition to renewable energy sources. With the globe grappling with environmental crises, the newly elected government faces the monumental task of fostering a sustainable and green energy landscape. In anticipation, the Centre for Policy Dialogue (CPD) has outlined a series of fiscal and budgetary recommendations aimed at galvanizing Bangladesh’s clean energy sector.
Amid concerns over the underfunding of renewable energy projects, the CPD’s proposals highlight the urgent need for enhanced budget allocations and an increase in renewable energy initiatives. Despite ambitious national goals set for 2041, renewable energy projects have received a meager 2.47 percent of the Annual Development Programme (ADP) allocation for FY2023-24, significantly undermining the country’s clean energy aspirations. The CPD calls for the government to prioritize renewable energy in its budget, specifically focusing on solar photovoltaic power plants and coastal transmission system upgrades.
Tax incentives emerge as a critical lever for stimulating green energy investments. The current tax regime disproportionately favors fossil fuel ventures, creating financial barriers to the adoption of renewable technologies. By extending tax holidays for renewable projects and reducing duties on solar power-related accessories, the government can create a fertile ground for sustainable energy solutions.
Addressing the automotive sector, the CPD suggests a strategic revision of duty structures to discourage the import of reconditioned Internal Combustion Engine (ICE) vehicles, favoring instead hybrid and electric vehicles (EVs). This move not only aligns with global trends towards cleaner transportation options but also addresses local concerns over air quality and energy efficiency.
The EV market, in particular, faces challenges from a tax system that inadvertently hampers affordability and widespread adoption. A reassessment of the annual tax structure for EVs and a substantial reduction in the total tax incidence (TTI) for EV imports are recommended to make electric mobility a viable option for the Bangladeshi populace.
In the realm of agriculture, the CPD emphasizes the transformative potential of solar irrigation pumps (SIPs), advocating for a unified tax strategy to reduce the TTI and encourage their adoption. This strategy not only promises to lower operational costs for farmers but also contributes to the national clean energy quota.
Moreover, the textile sector, a cornerstone of Bangladesh’s economy, stands to benefit immensely from the adoption of rooftop solar systems. However, prohibitive import duties and taxes on solar products stifle growth in this area. The CPD urges the government to reassess these duties, thereby unlocking the potential for substantial fiscal savings and contributing to the nation’s energy independence.
As Bangladesh prepares its budget for the upcoming fiscal year, the CPD’s recommendations present a roadmap for accelerating the transition to a green economy. The government’s proactive engagement in clean energy financing and policy reform could indeed mark a new chapter in Bangladesh’s journey towards sustainable development and climate resilience. The eyes of the nation and the world are on the policymakers, waiting to see if they will rise to the challenge and embrace the green future that Bangladesh aspires to. | economics |
https://vloak.com/introduction | 2024-04-15T21:04:51 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817033.56/warc/CC-MAIN-20240415205332-20240415235332-00451.warc.gz | 0.912454 | 590 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__185983663 | en | Published 20 Feb 2024
In the bustling world of e-commerce, Dutch-based Vloak stands out as a beacon of innovation and efficiency. Born from the need to simplify the increasingly complex online business landscape, Vloak offers a singular, comprehensive platform that integrates various essential e-commerce functions into one streamlined service. This revolutionary approach is transforming how online merchants manage their businesses, making Vloak the go-to solution for a seamless e-commerce experience.
The inception of Vloak is rooted in a simple yet profound realization: modern e-commerce is cluttered with numerous software solutions, each addressing different aspects of the online selling process. This fragmentation not only complicates operations but also hinders efficiency. Vloak's founders, hailing from the Netherlands - a hub of innovation and forward-thinking - envisioned a platform that consolidates these disparate tools into a single, cohesive system. The result is a platform that redefines convenience and effectiveness in online commerce.
Vloak's suite of features is meticulously designed to cater to every need of an online merchant. At its core, the platform offers a robust checkout builder, allowing businesses to create a checkout experience that reflects their brand and meets their customers' expectations. Beyond this, Vloak integrates server tracking solutions compatible with major platforms like Meta and Google GA4, ensuring that merchants have precise insights into their marketing efforts and customer behaviors.
Additionally, Vloak bridges the gap between e-commerce and email marketing. With seamless integration with tools like Klaviyo, merchants can effortlessly synchronize their marketing campaigns with their sales data, enabling targeted, effective marketing strategies.
One of Vloak's standout features is its direct integration with various payment service providers. This integration simplifies the payment process, making transactions smoother for both merchants and customers. Furthermore, Vloak is adept at managing both one-off purchases and subscription models, a crucial feature in today's diverse e-commerce landscape.
Understanding sales data is crucial for any business. Vloak offers comprehensive sales tracking and management tools, providing merchants with detailed overviews of their orders. Various dashboard filters allow for tailored analysis, giving businesses the power to make informed decisions based on real-time data.
In today's global market, catering to a diverse customer base is key. Vloak's multilingual checkout builder ensures that businesses can reach customers worldwide, breaking language barriers and expanding their market reach.
Vloak is more than just a software platform; it's a comprehensive e-commerce solution that empowers merchants to manage their online businesses with unprecedented ease and efficiency. By consolidating multiple tools into one platform, Vloak not only streamlines the e-commerce process but also enhances the overall online shopping experience. As the e-commerce world continues to evolve, Vloak stands ready to lead the charge, offering a future-proof solution for today's dynamic online marketplace. | economics |
http://www.amglobal.com.sg/ | 2017-05-01T04:18:58 | s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917127681.50/warc/CC-MAIN-20170423031207-00273-ip-10-145-167-34.ec2.internal.warc.gz | 0.88796 | 141 | CC-MAIN-2017-17 | webtext-fineweb__CC-MAIN-2017-17__0__31122035 | en | Welcome to AM Global Pte Ltd, your dependable partner in freight forwarding. Incorporated in 2009, AM Global has established itself as a onestop integrated freight forwarding company in Singapore, specializing in handling loose and bulk commercial cargoes.
We have a comprehensive range of multi-modal freight forwarding services via ocean, air and land for all loose container load and full container load cargoes.
From consultation to execution, AM Global offers you the peace of mind in ensuring your full delivery of any cargo through our agile and flexible team of professionals.
Call us today for custom matters, freight costs, port charges, cost of special documentations and our handling fees, under no obligations. | economics |
http://www.thclinic.org/family_housing_program.php | 2016-06-28T22:09:45 | s3://commoncrawl/crawl-data/CC-MAIN-2016-26/segments/1466783397213.30/warc/CC-MAIN-20160624154957-00102-ip-10-164-35-72.ec2.internal.warc.gz | 0.939977 | 1,125 | CC-MAIN-2016-26 | webtext-fineweb__CC-MAIN-2016-26__0__103698118 | en | In 2007, THC started a Family Housing Program that provides short-term rent subsidies and support services to assist families with finding and obtaining more adequate housing. Eligible families include families living in SRO units in San Francisco and families at risk for eviction due to living in overcrowded circumstances in the Tenderloin District of San Francisco.
Who is eligible? Families!
- A family is defined as at least one adult who is 18 years or older and one child younger than 18 living in the same household. Eligible families include families currently residing in SRO hotel units in the City of San Francisco and families living in severely overcrowded conditions in the Tenderloin district of San Francisco.
- After being referred to the program, each family must apply in-person for the program to determine if they meet additional requirements. These requirements include creating a mandatory financial plan to increase the family's income at the point of intake to demonstrate the capacity to transition off the subsidy, verification of income and tenancy, and ensuring that the rent burden (including the subsidy) will not exceed 50% of the family's gross income.
After acceptance into the program, a family is assigned to a Family Case Manager. THC Family Case Managers are fluent in Spanish, Mandarin, and Cantonese, and the family will be assigned based on language needs. THC Family Case Management services are mandatory, and each family meets on a bimonthly or monthly basis with their Family Case Manager.
- Assistance with the housing search, including repairing credit ratings, unit inspection, obtaining funds for the security deposit, and emergency rental funds, if needed.
- Referrals to employment assistance and job-training programs, childcare assistance, education, legal assistance, referrals for assistance with substance abuse and mental health services, and any other services that the family identifies in order to assist them in transition off the subsidy.
- Community events and social gatherings.
- Goal-oriented 1:1 case management services with THC staff.
The Family Housing Program subsidy is a short-term subsidy of up to $500.00 per month for one year with extensions up to a maximum of two years. After the subsidy ends, the family pays the full portion of the rent.
After placement into the program, families conduct a housing search with the assistance of their Family Case Manager. All units are on the private market or are below-market rate units, and each unit is inspected by THC staff prior to move-in to ensure HUD standards and occupancy standards. Almost all families choose to reside in San Francisco, but the subsidy can be administered to units in the East Bay, Marin, or the Peninsula if a family chooses.
When a unit is secured, the family brings their portion of the rent each month to the THC Housing Department at 472 Turk Street where it is combined with the subsidy into one check and given to the landlord. Client rents are tracked each month in a database with THC
The family's portion of the rent must be at least 30% of their income but no more than 50% of their income. The subsidy may be reduced if a family's income goes up permanently, and it may be raised if a family is receiving less than the full subsidy and their income goes down.
How to apply:
The Family Housing Program is located at 398 Eddy Street (cross street is Leavenworth Street). Families may be referred by an agency or may self refer.
(415) 345-9290 x102
If you are a landlord and wish to work with the Family Housing Program, please contact the Family Housing Program Manager at (415) 336-7713. THC does not enter into a lease with any landlord; the responsibility of the lease is always with the family.
Landlords that have worked with the Family Housing Program in the first year include:
- Mosser Companies
- Centerstone Realty
- Makras Realty
- Levy and Company
- MAG Management
- John J. Dito and Sons
- Hogan and Vest
- Victory Realty
- RMD Services
- West Coast Property Management
- Post Street Apartments
A number of private single-owner landlords in San Francisco also work with the Family Housing Program.
Frequently Asked Questions:
QUESTION: I am not residing in an SRO or in overcrowded conditions in the Tenderloin. What should I do if I am part of a family who is homeless or transitionally housed? Hamilton Family Center and Compass Community Services both have rental subsidy programs that assist families who are homeless, in a shelter, or at risk for eviction.
ANSWER: Contact First Avenues with Hamilton Family center at (415) 292-9930, extension 328.
Contact SF Home with Compass Community Services at (415) 644-0507.
QUESTION: Can I use the subsidy to live in a shared living situation?
ANSWER: No. The subsidy can only be used to rent an individual unit for the family.
QUESTION: I make more than 50% of the Area Median Income (AMI). Am I eligible for the program?
ANSWER: No. Only families who make 30% (extremely low-income) or 50% (very low-income) of the area AMI are eligible to apply.
QUESTION: I do not currently have custody of my child. Am I eligible to apply?
ANSWER: Yes, as long as there is a documented reunification plan to gain custody of the child when the subsidy starts. | economics |
https://www.cityplusnetwork.co.uk/post/the-challenges-facing-mortgage-advisers-in-2023 | 2024-02-26T17:01:01 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474661.10/warc/CC-MAIN-20240226162136-20240226192136-00862.warc.gz | 0.957014 | 1,214 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__106593762 | en | The mortgage market is facing a number of challenges in 2023, and mortgage advisers need to be prepared to adapt.
One of the biggest challenges is rising interest rates. The Bank of England has already raised interest rates several times in 2022/23, and there is speculation that they could rise further in 2023. This could make it more difficult for people to afford mortgages, and could also lead to a decline in the number of mortgages being approved.
Another challenge is the cost of living crisis. The cost of living in the UK is rising at a rapid pace, and this is putting a strain on household budgets. This could make it more difficult for people to save for a deposit, and could also lead to people having to remortgage at a higher rate.
The COVID-19 pandemic is still ongoing, and this is creating uncertainty in the mortgage market. Lenders may be more cautious about lending money, and this could make it more difficult for people to get a mortgage.
In addition to these challenges, mortgage advisers are also facing increasing competition from online lenders and other financial services providers. This is making it more difficult for mortgage advisers to attract and retain clients.
So, what can mortgage advisers do to ride the storm?
Here are a few tips:
Stay up-to-date on the latest changes in the mortgage market. This includes changes in interest rates, lending criteria, and regulations. Mortgage advisers need to be aware of the latest trends in the mortgage market so that they can advise their clients on the best options available.
Focus on providing excellent customer service. This means being responsive to clients' needs, providing clear and concise information, and going the extra mile to help them find the best mortgage deal. Mortgage advisers need to build relationships with their clients and earn their trust. They should be available to answer questions and provide support throughout the mortgage process.
Embrace technology. There are a number of technology tools that can help mortgage advisers streamline their business and provide better service to their clients. These tools can help advisers to automate tasks, track their progress, and communicate with clients more effectively.
Network with other mortgage advisers. This can help you stay up-to-date on the latest trends in the mortgage market, and it can also help you attract new clients. Mortgage advisers should join professional associations and attend industry events to network with other advisers.
In addition to these tips, here are some other things that mortgage advisers can do to position themselves as valuable and trusted advisors in the ever-changing mortgage market:
Specialise in a particular area of the mortgage market. This could be helping first-time buyers, remortgaging customers, or providing specialist advice to borrowers with complex financial circumstances. By specializing, mortgage advisers can become experts in their field and attract more clients.
Offer value-added services. This could include providing free mortgage calculators, access to market insights, or financial planning advice. By offering value-added services, mortgage advisers can differentiate themselves from their competitors and provide more comprehensive advice to their clients.
Become a trusted advisor. This means building relationships with clients and providing them with the support they need to make informed financial decisions. Mortgage advisers should be seen as trusted advisors who can help clients achieve their financial goals.
By following these tips, mortgage advisers can position themselves as valuable and trusted advisors in the ever-changing mortgage market.
Here are some additional practical tips for mortgage advisers:
Be organised and efficient. This will help you to keep track of your clients and the mortgage process.
Be clear and concise in your communication. This will help your clients to understand the mortgage process and make informed decisions.
Be patient and understanding. The mortgage process can be complex and time-consuming, so it is important to be patient with your clients.
Be professional and ethical. This will help you to build trust with your clients and maintain your reputation.
By following these tips, mortgage advisers can provide excellent service to their clients and ride the storm in the mortgage market.
Cityplus Network: Supporting mortgage advisers
Cityplus Network is a leading mortgage advice network that provides support to mortgage advisers across the UK. Cityplus Network offers a range of services to help advisers succeed in the ever-changing mortgage market.
Some of the ways that Cityplus Network supports mortgage advisers include:
Access to a wide range of lenders: Cityplus Network has access to a wide range of lenders, which gives advisers the ability to find the best deal for their clients for mortgages, bridging, commercial, 2nd charges, protection, PMI, Business Protection, Business Finance etc.
Expert training and support: Cityplus Network offers expert training and support to help advisers stay up-to-date on the latest mortgage market trends and regulations.We also have mentoring free of charge.
Marketing and business development support: Cityplus Network provides marketing and business development support to help advisers attract new clients and grow their businesses.
A strong community of advisers: Cityplus Network is a strong community of advisers who can share ideas, support each other, and learn from each other.
If you are a mortgage adviser, Cityplus Network can help you succeed in the mortgage market. With their range of services and support, Cityplus Network can help you find the best deals for your clients, stay up-to-date on the latest market trends, and grow your business.
Here are some additional benefits of joining Cityplus Network:
You will be part of a leading mortgage advice network with a strong reputation.
You will have access to a wide range of resources and support, including expert training, marketing materials, and business development advice.
You will be able to network with other mortgage advisers and share ideas and best practices.
You will be able to offer your clients a wider range of mortgage products and services.
If you are a mortgage adviser looking for support and resources to help you succeed, I encourage you to learn more about Cityplus Network. | economics |
http://fnuniv.wordpress.com/2010/02/21/education-is-the-key/ | 2013-06-19T11:25:16 | s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368708711794/warc/CC-MAIN-20130516125151-00007-ip-10-60-113-184.ec2.internal.warc.gz | 0.955401 | 229 | CC-MAIN-2013-20 | webtext-fineweb__CC-MAIN-2013-20__0__131144879 | en | From an opinion piece by Shawn Atleo, National Chief of the Assembly of First Nations, in the Globe and Mail of Sunday, February 21, 2010.
Our agenda is about building strong First Nations that will see Canada fulfill its economic potential. The centre of this agenda is education. First Nations youth are the youngest and fastest-growing segment of our population. Their share of the labour force will triple over the next 20 years. First Nations youth who complete high school are twice as likely to be employed, and those who get university degrees triple their earning potential. Increasing their graduation rates to match those of other Canadians would inject an additional $71-billion into Canada’s economy over the next 10 years. This would help eliminate the employment gap, adding another $160-billion to the economy over a 10-year period.
Every other education system in Canada has a secure, legislated base for funding. First Nations education is not secure and is subject to policy change, reallocations and reductions. This is not acceptable – we seek a commitment to a sustainable funding framework.
Read the full piece in the Globe and Mail. | economics |
https://tamilweek.com/news-features/archives/1085 | 2018-10-22T13:29:57 | s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583515041.68/warc/CC-MAIN-20181022113301-20181022134801-00221.warc.gz | 0.949037 | 1,689 | CC-MAIN-2018-43 | webtext-fineweb__CC-MAIN-2018-43__0__92162443 | en | Speech by the Chief Guest, Robert Gabor at the ANC University College Official Launch of University of Missouri and Northwood University Bachelor Degree Programs – July 11, 2007
[Economic Officer Robert Gabor, delivers his speech]
Mr. Jagath Alwis, honorable deans, CEOs, colleagues and friends,
It is an honor to be here today to launch the Northwood and University of Missouri degree programs at American National College. I am proud to represent the U.S. Embassy to applaud ANC University College and its partners for providing these valuable new management, psychology, and information-technology programs.
These programs will enhance career prospects for Sri Lankan students. They will strengthen the human resources base that is essential for the Sri Lankan economy. And they will improve the educational and economic ties between the U.S. and Sri Lanka. So they are really a great addition to the local educational landscape.
Why are such programs so important? Because knowledge means economic power.
In today’s global economy, a country’s competitiveness depends on its citizens’ capacity to use knowledge and technology to create efficiency. CEOs of Fortune 500 companies say that to compete in the global marketplace they need college graduates who know math, science, and languages, and who have strong problem-solving skills. Basic credentials like the O-level and A-level are not enough to ensure success in the workplace. Fully 90% of the fastest-growing jobs require post-secondary education or training.
So, to prosper, a country needs a great higher education system. Investment in education yields a tremendous return. Educated graduates get better jobs. Trained workers enable companies to compete successfully in regional and global markets. And creative, empowered individuals become entrepreneurs who create new jobs.
So, let’s consider for a moment how the ANC-University College augments post-secondary education in Sri Lanka.
All of us here today believe that Sri Lanka has the potential to play a leading role in the Asian 21st century. Northwood and UMR certainly believe that, and are doing their part to make it happen. Every nation, including Sri Lanka, faces the challenge of how to adapt its educational system to the evolving needs of both the local and global economy. The presence of Northwood and UMR show that Sri Lanka is starting to adapt. But it needs to keep on adapting so it doesn’t get left behind.
Most of you have heard the alarming statistic that 85% of Sri Lankan youth who qualify for university are not admitted because the university system lacks capacity to accept them. That is a tragic loss for the 100,000 A-level graduates a year who miss out on higher education. But it is also a crippling loss for Sri Lanka.
Despite this, Sri Lanka is a rapidly modernizing economy. Services account for half of Sri Lanka’s gross domestic product. That means its people are Sri Lanka’s critical asset. Not surprisingly, in a service economy, one of the most promising sectors for growth is Information Technology, along with IT-enabled Business Process Outsourcing.
Yet, Sri Lanka’s IT leaders report they are constrained by the short supply of qualified employees. Staffing the nascent IT sector will be one of Sri Lanka’s most important challenges over the coming decade. IT firms here such as h Senid and Zone 24×7 are developing globally-competitive software solutions and providing high-end back office services. But to grow and compete, they need a steady stream of graduates equipped with relevant management and IT skills.
I can think of three ways the ANC program helps ensure that the education system here produces those graduates: Through public-private partnerships, international exchanges, and private institutions.
Partnerships among the government, the university system, labor and industry can make enormous advances are the surest way to create a more relevant and flexible education system in Sri Lanka.
How? Take the case of students here who graduate with degrees from the Faculty of Arts. A large percentage of them subsequently struggle to find a job. To remedy that problem, universities should partner with businesses to establish fellowship programs, internships, and on-the-job training to turn out the trained labor that Sri Lankan companies want to hire. Programs that integrate work and training can serve the needs both of students embarking on their initial course of study and of experienced workers in mid-career.
Efforts like this have already begun to prove their value here. For example Virtusa, a dynamic American IT company with offices in Colombo, collaborates closely with the prestigious Peradeniya and Moratuwa Universities. Virtusa invites university staff to attend its in-house IT and management courses. Virtusa also sends some of its best technical experts to teach courses at the universities. Further, the company sponsors and supervises research projects that provide real world challenges for students to tackle. As a result, the grads Virtusa hires are ready to be productive right from the start.
Likewise, UMR embraces this concept. Nearly 2/3 of UMR students complete a co-op, internship or personal research project before they graduate. UMR’s emphasis on students gaining practical work experience as part of their studies is a major reason why over 95% are either enrolled in graduate school or have accepted a job within three months of graduation. UMR grads can expect to be hired by America’s top employers, with starting salaries well above the national average.
Another way ANC improves the relevance of higher education in Sri Lanka is by increasing the number of international study-exchanges for both students and professors. International business majors need to understand the complex forces of globalization, and a good way to enhance that understanding is by studying abroad. Business and IT skills are not constrained by physical borders. Just look at Northwood, which has over 825 international students from 70 countries benefiting from over 100 international articulation agreements and studying at 5 overseas sites. Northwood’s overseas programs provide its students with exposure to a wide range of international business — from marketing in France, to manufacturing in Thailand, to managing natural resources in Costa Rica.
A final way ANC strengthens higher education in Sri Lanka is by leading the way for foreign universities to come here and partner with local institutions or even operate on their own. I understand that the concept of private or semi-private education at the university level is controversial here, but I think that over time the ANC model will show that competition raises the level of all public and private sector schools.
ANC is a perfect example of how a local, private firm like Ceylinco can make an investment that creates a first-class educational degree program at no cost to the government and no threat to the public universities. That is the power of private investment in the education sector.
What makes ANC’s programs unique among educational options here is that ANC offers the only fully accredited American degrees in Sri Lanka. Those American degrees are recognized and respected around the world. ANC offers a career-focused program that ensures its students are taught and mentored by internationally-educated professors and business leaders. Along the way, ANC students gain meaningful work experience; give back to the community, and learn how to lead. ANC is investing in Sri Lanka’s future by investing in its people today.
To conclude, the United States’ diverse and extensive higher education system gives Americans the skills to compete and succeed at home and abroad. American universities are a pre-eminent factor in the competitiveness of our economy. Sri Lankan students deserve the same opportunities. With ANC and its programs, that is just what they will get, through the private sector-led model that has been so successful in the U.S. and other countries.
So, looking forward, in four years, when the new batch of ANC University College students get their degrees from Northwood and UMR, they will be among the most qualified students of their generation. I am confident that their skills and experience will demonstrate the value of the innovative approach to international business education that ANC, Northwood, and UMR are bringing to Sri Lanka.
I congratulate you and wish you every success with this great program.
[Courtesy: Embassy News, U.S. Embassy Sri Lanka, Colombo] | economics |
http://www.mandwmarine.com.au/about.jsp | 2013-05-22T22:20:06 | s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368702452567/warc/CC-MAIN-20130516110732-00055-ip-10-60-113-184.ec2.internal.warc.gz | 0.97237 | 325 | CC-MAIN-2013-20 | webtext-fineweb__CC-MAIN-2013-20__0__169073 | en | In the Beginning
M & W Marine Servicing was established in 1977 and was bought by the present owner, Robert (Bob) Oomen in 1985. At the time of purchase the focus of the business was on servicing and wrecking outboard engines, specifically those on "trailerable" boats, that is, boats that are small enough to be loaded onto trailers and pulled by a standard domestic vehicle. Inboards, stern drives and outboards fixed to boats too large to be trailed without special arrangments were usually not part of the custom of this business and this continues to be the case.
Servicing and Wrecking are Not Enough
Wrecking outboard motors, that is, purchasing an old or damaged motor to strip it of usable parts to sell second-hand or use in the servicing side of the business, has been a vital part of the business from the start. However, it became apparent that in order to improve turn-around times on jobs for customers, M & W Marine needed to own stocks of spare parts in the major brands. In 1994 the opportunity arose to purchase a major holding in OMC (now Bombardier) and Mercury and the new spare parts side of M & W Marine Servicing came into being. From there it was an obvious step from selling second-hand parts to supplying both new and used parts. From holding what we need for our own use, the spare parts side has grown until supply of new parts by mail order across Australia is now the bigger part of the business of M & W Marine Servicing, complemented by the wrecking and servicing. | economics |
https://www.kemenylaw.com/post/nj-ag-files-complaint-against-shipping-and-logistic-companies-over-misclassification-of-drivers | 2024-02-23T03:20:03 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474360.86/warc/CC-MAIN-20240223021632-20240223051632-00293.warc.gz | 0.954021 | 1,105 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__170068099 | en | The New Jersey Attorney General’s Office announced that the first lawsuit has been filed under N.J.S.A. 34:1A-1.12, a new law that allow the New Jersey Department of Labor and Workforce Development Commissioner to suit in Superior Court against employers who misclassify workers as independent contractors.
The complaint was filed on December 11, 2023, against shipping and logistics companies STG Logistics and STG Drayage. It seeks to stop the misclassification of more than 300 drivers as independent contractors and to recover millions of dollars in back wages, penalties and fines, according to a press release.
The power to bring the action such is the result of legislation signed by Gov. Phil Murphy that came into effect in 2021, and enhanced the state’s power to curtail misclassification of workers. The new law includes the power to bring actions in Superior Court and increase penalties for misclassification and enhance authority to issue stop-work orders, according to the news release.
The complaint alleges that the defendant shipping and logistic companies:
a) Unlawfully deducted millions of dollars from their drivers’ pay, instead of paying those monies to the drivers, in violation of New Jersey’s Wage Payment Law (“WPL”), N.J.S.A. 34:11-4.4 and N.J.S.A. 34:11-4.2;
b) failed to pay their drivers the minimum wage, in violation of New Jersey’s Wage and Hour Law (“WHL”), N.J.S.A. 34:11-56a4;
c) failed to maintain records of hours worked and wages paid to their drivers, and failed to produce those records to the Department of Labor and Workforce Development’s Division of Wage & Hour Compliance, in violation of the WHL, N.J.S.A. 34:11-56a20;
d) failed to make sick time available to their drivers in violation of New Jersey’s Earned Sick Leave Law (“ESLL”), N.J.S.A 34:11D-5;
e) failed to provide all Drivers with workers’ compensation coverage, leaving them without access to medical treatment and temporary and permanent benefits if they were injured on the job, in violation of New Jersey’s Workers’ Compensation Law (“WCL”), N.J.S.A. 34:15-71;
f) failed to make required contributions to the Unemployment Compensation Fund and State Disability Benefits Fund, in violation of New Jersey’s Unemployment Compensation Law (“UCL”), N.J.S.A. 43:21-7, leaving the Drivers at risk of being found ineligible for unemployment, disability, and family leave insurance and depriving the State funds of millions of dollars; and g) failed to make required contributions to the Workforce Development Partnership Fund and Supplemental Workforce Fund for Basic Skills, in violation of the Employment and Workforce Development Act (“EWDA”), N.J.S.A. 34:15D-1 to -34, thus depriving their employees of the ability to benefit from training and other workforce development programs; and
g) hindered the Department of Labor and Workforce Development’s investigation into this matter, in violation of the WHL, N.J.S.A. 34:11-56a22.
In a press statement released by the New Jersey Department of Labor and Workforce Development, Commissioner Asaro-Angelo stated, “Companies illegally profiting through corrosive business models at the expense of hardworking employees have been put on notice. We are proud to have the strongest worker protection laws in the country, which also safeguard employers who play by the rules. Misclassifying employees will not be profitable, nor overlooked.” The Department of Labor is claiming that by misclassifying its employees, the defendants justified paying their truck drivers less than New Jersey’s effective minimum wage and that, in some instances, deductions from the drivers’ pay totaled more than their gross pay, resulting in negative net pay being calculated for some of their pay periods.
The press release said that workers are presumed to be employees under most New Jersey labor laws unless a business can show that workers are independent contractors under the “ABC test.” To meet this standard, the business must demonstrate three elements: First, that the workers are largely free from control or direction over the performance of their work; second, that the type of work performed is outside the company’s usual course of business or outside its usual place of business; and third, that the workers have their own independent trade, job, profession or business.
Attorney General Matthew J. Platkin has described the defendants as “national, profitable corporations with deep pockets who are padding their profits with illegal labor schemes, and they seem to have no plans to stop this kind of behavior.” “When employers unlawfully and callously toss their workers into the ‘independent contractor’ category they are not only depriving them of a steady paycheck, they are also stripping them of earned sick leave, workers’ compensation, minimum wage, and more,” Platkin stated. | economics |
http://www.devshed.com/c/a/MySQL/The-Future-of-SQL/1/ | 2014-04-17T15:27:46 | s3://commoncrawl/crawl-data/CC-MAIN-2014-15/segments/1397609530136.5/warc/CC-MAIN-20140416005210-00009-ip-10-147-4-33.ec2.internal.warc.gz | 0.939671 | 924 | CC-MAIN-2014-15 | webtext-fineweb__CC-MAIN-2014-15__0__17312189 | en | In this article, Vikram Vaswani discusses the ways in which SQL plays an important role in the computer market today, and what may be in store for this database language in the future. This excerpt comes from chapter 26 of MySQL: The Complete Reference, by Vikram Vaswani (McGraw-Hill/Osborne, ISBN 0-07-222477-0, 2004).
Today’s market for database management products exceeds $12 billion per year in products and services revenues, up from about $5 billion per year a decade ago. On several occasions over the last decade, lower year-over-year growth in the quarterly revenues of the major database vendors has led analysts to talk about a maturing database market. Each time, a wave of new products or new data management applications has returned the market to double-digit growth. Client/server architecture, ERP applications, data warehousing and business intelligence, three-tier web site architectures—each of these spurred a new wave of database technology and a new wave of SQL-based database deployments. If the history of the last two decades is any indication, database technology will continue to find new applications and generate increasing revenues for years to come. The trends shaping the market bode well for its continued health and point to a continuing tension between market maturity and consolidation on the one hand, and exciting new database capabilities and applications on the other.
Enterprise Database Market Maturity
Relational database technology has become accepted as a core enterprise data processing technology, and relational databases have been deployed by virtually all large corporations. Because of the importance of corporate databases and years of experience in using relational technology, many, if not most, large corporations have selected a single DBMS brand as an enterprisewide database standard. Once such a standard has been established and widely deployed within a company, there is strong resistance to switching brands. Even though an alternative DBMS product may offer advantages for a particular application or may pioneer a new, useful feature, an announcement by the standard vendor that such features are planned for a future release will often forestall the loss of a customer by the established vendor.
The trend to corporate database standards has tended to reinforce and strengthen the market positions of the established major DBMS vendors. The existence of large direct sales forces, established customer support relationships, and multiyear volume purchase agreements has become as important as, or more important than, technology advantage. With this market dynamic, the large established players tend to concentrate on growing their business within their existing installed base instead of attempting to take customers away from competitors. In the late 1990s, industry analysts saw and predicted this tendency at both Informix and Sybase. Oracle, with a much larger share of the market, was forced to aggressively compete for new accounts in its attempt to maintain its database license revenue growth. Microsoft, as the upstart in the enterprise database market, was cast in the role of challenger, attempting to leverage its position in workgroup databases into enterprise-level prototypes and pilot projects as a way to pry enterprise business away from the established players.
One important impact of the trend to corporate DBMS vendor standardization has been a consolidation in the database industry. New startup database vendors tend to pioneer new database technology and grow by selling it to early adopters. These early adopters have helped to shape the technology and identified the solution areas where it can deliver real benefits. After a few years, when the advantages of the new technology have been demonstrated, the startup vendors are acquired by large established players. These vendors can bring the new technology into their installed base, and bring their marketing and sales muscle to bear in an attempt to win business in their competitor’s accounts. The early 1990s saw this cycle play out with database vendor acquisitions of database tools vendors. In the late 1990s, the same cycle applied to mergers and acquisitions of database vendors. Informix’s purchase of Illustra (a pioneering object-relational vendor), Red Brick (a pioneering data warehousing vendor), and Cloudscape (a pioneering pure Java database vendor) are three examples of the pattern. Just a few years later, Informix itself was acquired by IBM, continuing this particular chain of consolidation.
Remember: this is chapter 26 of MySQL: The Complete Reference, by Vikram Vaswani (McGraw-Hill/Osborne, ISBN 0-07-222477-0, 2004). Vikram is the founder of Melonfire, and has had numerous articles featured on Dev Shed. Buy this book now. | economics |
http://www.sjkdt.org/article.asp?issn=1319-2442;year=2015;volume=26;issue=4;spage=733;epage=738;aulast=Rosselli | 2019-08-21T06:04:22 | s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027315809.69/warc/CC-MAIN-20190821043107-20190821065107-00027.warc.gz | 0.909349 | 4,198 | CC-MAIN-2019-35 | webtext-fineweb__CC-MAIN-2019-35__0__56131072 | en | | Abstract|| |
To estimate the costs and effectiveness measured in quality-adjusted life years (QALY) of kidney transplantation compared with dialysis in adults suffering from end-stage renal disease from the perspective of the Colombian healthcare system, we designed a Markov model with monthly cycles over a five-year time horizon and eight transitional states, including death as an absorbing state. Transition probabilities were obtained from international registries, costs from different local sources [case studies, official tariffs (ISS 2001 + 35%) for procedures and SISMED for medications]. Data were validated by an expert panel and we performed univariate, multivariate and probabilistic sensitivity analyses. Effectiveness indicators were months of life gained, months of dialysis averted and deaths prevented. The annual discount rate was 3% and the cost-utility threshold (willingness to pay) was three times gross domestic product (GDP) = USD 20,000 per QALY. The costs were adopted in US dollars (USD) using the 2012 average exchange rate (1 USD = COP$ 1798). The discounted average total cost for five years was USD 76,718 for transplantation and USD 76,891 for dialysis, with utilities 2.98 and 2.10 QALY, respectively. Additionally, renal transplantation represented 6.9 months gained, 35 months in dialysis averted per patient and one death averted for each of the five patients transplanted in five years. We conclude that renal transplantation improves the overall survival rates and quality of life and is a cost-saving alternative compared with dialysis.
|How to cite this article:|
Rosselli D, Rueda JD, Diaz CE. Cost-effectiveness of kidney transplantation compared with chronic dialysis in end-stage renal disease. Saudi J Kidney Dis Transpl 2015;26:733-8
|How to cite this URL:|
Rosselli D, Rueda JD, Diaz CE. Cost-effectiveness of kidney transplantation compared with chronic dialysis in end-stage renal disease. Saudi J Kidney Dis Transpl [serial online] 2015 [cited 2019 Aug 21];26:733-8. Available from: http://www.sjkdt.org/text.asp?2015/26/4/733/160175
| Introduction|| |
End-stage renal disease (ESRD) has attracted interest from health economists for three main, reasons. The first reason is its high cost , and the second reason is its rate of incidence and prevalence. The increased incidence is attributable to both an ageing population as well as better care for patients with diabetes and hypertension, , and the increased prevalence is due to the increased survival rate for patients on renal replacement therapy (dialysis and transplantation). , The third reason of interest is the variety of possible interventions for kidney disease, ranging from primary care to the reduction of progression of damage in patients at the intermediate stages of the disease to the use of the different kidney replacement therapies in the final stages of the disease.
Additionally, ESRD has been a prolific research field in terms of quality of life and cost-utility, for which several scales and indicators have been developed. In fact, hemodialysis (HD) is frequently used in health economics' studies as a threshold for determining the cost-effectiveness. From this viewpoint, an intervention is considered cost-effective if the amount paid per quality-adjusted life year (QALY) does not exceed what is gained per QALY with HD. ,
There are several international studies that have compared kidney transplantation with dialysis , and numerous multi-center clinical trials of good methodological quality ,,, that agree in showing the clinical superiority of a transplant.
This study presents a mathematical model that analyzes both clinical and economic impact of kidney transplantation compared with dialysis therapy in the Colombian healthcare context.
| Materials and Methods|| |
We built a Markov model with monthly cycles over a five-year time horizon and from a third-party payer perspective (Colombian healthcare system) including only direct medical costs. We used the Tree Age Health Pro 2009 suite (version 1.0.2, TreeAge Software Inc.) program. The model [Figure 1] compares the decision of whether to offer transplantation or to start a chronic dialysis program in a patient without contraindication to kidney transplantation and who is on a hypothetical waiting list for a transplant. Analysis was performed with time horizons of one-, two-, threeand five-years. The five-year time horizon was considered as a reasonable upper time limit for a decision maker. The annual discount rate was 3% for both costs and outcomes as recommended by the Colombian Ministry of Health.
In the model, the term "chronic rejection" referred to the different conditions such as Interstitial Fibrosis Tubular Atrophy (IFTA) or chronic graft glomerulopathy. "Second-line" therapy represented those patients who have responded to acute rejection treatment but will experience further deterioration of renal functions (and require different medication or higher doses). The outcomes were expressed in terms of net costs, deaths averted (per 1000 patients), months of life gained, months of dialysis averted and QALYs gained with each therapy. The results were reported as an incremental cost for each outcome gained (or per death prevented or month of dialysis averted) comparing transplantation with dialysis.
Mortality rates used in the model were obtained from the registry of patients with renal disease in the United States (U.S. Renal Data System), both for transplantation and dialysis patients; in our study, mortality data were obtained from 55,000 patients on the waiting list for transplantation, which rendered it more applicable for this comparison than the overall mortality of patients on dialysis in Colombia published by Sanabria et al including patients who would not be candidates for transplantation. For the annual rate of acute rejection and graft loss censored for death, we used the records of the US Scientific Renal Transplant Registry, which had 252,910 patients transplanted between 1989 and 2009, as well as the Collaborative Transplant Study from the Heidelberg University, a registry that was started in 1982 and included information from more than 400 transplant centers from 45 countries including Colombia. For differences in mortality among peritoneal dialysis (PD) and HD, we used the relative risk (RR) of 0.73 (5% confidence interval, 0.68-0.78) as estimated by Fenton et al. from the Canadian registry of 11,970 patients with ESRD. For the percentage distribution of patients between HD and PD, we used the Colombian information from 2010 (14,251 patients on HD, 69.1% and 6,373 on PD).
Utilities to estimate QALY values in each of the states were obtained from a literature review using the Tufts University database of cost-effectiveness studies. We used the mean of all studies published in indexed journals that included utility calculation, as shown in [Table 1].
All costs were expressed in 2012 US dollars at the average exchange rate of 1,798 Colombian pesos per US dollar. To estimate costs, we used different sources [Table 2] and [Table 3].Monthly HD and PD package costs were obtained from a weighted average of current market price. This monthly package includes vascular access, medical and nursing care as well as basic medications. To estimate the costs of complications, we used four studies: Loza-Concha et al who estimated total costs both for the surgical procedure as well as for the 5-year follow-up of a group of 58 patients who underwent renal transplantation in Peru; Blotière et al and Benain et al, who analyzed the databases of ESRD patients (27,348 transplanted, 2,566 on PD and 30,945 on HD) in France; and Arrieta who estimated the direct costs of the complications of the three different therapies in Spain. Based on these studies, we estimated that the average cost of a complication is equivalent to a percentage of the monthly cost for each of the therapies: For HD, the average monthly cost for complications was 26.1% of the monthly cost of a "dialysis package"; for PD, it was 69.7%; and for a transplant, it was 13% of the immunosuppression cost.
| Statistical Analysis|| |
A univariate sensitivity analysis (Tornado diagram), a multivariate analysis and a Monte Carlo simulation were performed where all variables were changed simultaneously according to pre-defined distributions [Table 1] and [Table 2]. Distributions were assigned according to the characteristics of each variable, gamma distribution was used for grouped costs, beta distribution was used for mortality rate and utilities and uniform distribution was used for effectiveness variables using limits for the confidence interval reported as the minimum and maximum values.
| Results|| |
The average discounted total costs for transplantation and dialysis therapy were USD$76,718 and USD $76,891, respectively [Table 4]. The costs of dialysis were reduced in part due to increased mortality; the average cost was USD $91,440, considering only patients who survived having the same rate as the transplanted patients.
The net cost-utility of the transplant was dominant over the time limit of five years. The cost of one-year transplantation and dialysis was USD 33,108 and USD 21,488, with 0.76 and 0.59 QALY, respectively. Transplantation became the dominant alternative after the fourth year and was a cost-effective alternative from the second year with an incremental costeffectiveness ratio of USD 11,788 (for a cost difference of $6.2 million and a QALY gain of 0.29).
The univariate sensitivity analysis showed that there were two critical variables in the model. The first one was the monthly cost of immunosuppression; transplantation would stop being a cost-saving alternative if the average monthly cost of immunosuppression was greater than USD 556. The second critical variable was the monthly cost of dialysis; Given the current distribution between PD and HD, if the monthly cost of dialysis was reduced to USD 1,112 (from its current cost of around USD 1,300), then transplantation would reach the GDP per capita threshold and the average monthly cost of dialysis would have to be lowered to USD 956 for transplantation to reach the threshold of three times the GDP per capita. On the other hand, transplantation was always a more effective option and it produced a higher utility in QALY than dialysis within the established ranges, regardless of changes in any of the model's variables.
When performing analysis on the net costeffectiveness ratio, we found that even at USD 27,800 per procedure (compared with the current cost of around USD 18,000), a transplant would still be the best alternative in terms of cost-effectiveness and cost per QALY when compared with dialysis therapy. The transplant would continue being more cost-effective even if the cost of immunosuppression reaches up to USD 1,560 per month. To reach the same cost-effectiveness ratios, the monthly cost of PD and HD must be less than USD 950 and USD 670, respectively.
When performing the probabilistic sensitivity analysis, for a threshold of three times GDP per capita, transplantation was more costeffective than dialysis in 76% of the trials.
| Discussion|| |
This study has various limitations, such as the value assigned to the cost of the complications for each of the therapies, which have been taken from the different international sources due to the lack of the standardized national registries. As with any model, some assumptions have been made, such as the patients were middle-aged (the results would be different for the elderly or a child), the donors were deceased and the costs and the efficacies of immunosuppressive therapies were both averaged, while the heterogeneity of the renal transplant patients was ignored to some extent.
The most important result of this study was that even with a relatively short time limit, transplantation was a better option in terms of cost-effectiveness than dialysis, especially when considering the net value of cost per QALY. If the time limits were extended or indirect costs or expenses were considered, the result would surely be even more favorable. Although survival rate and patient quality of life for dialysis has improved over the last few decades, , advances in transplantation have reduced graft loss, particularly when it comes from a living donor and when transplantation is performed early. In the short to medium term, the reduction of cost of immunosuppressive drugs is expected due to more competitive market and expiration of patents of most commonly used medications.
We conclude that health systems that value both overall survival as well as quality of life and would like to invest in interventions with an adequate margin of cost-effectiveness should support programs that encourage renal transplantation over dialysis for patients with ESRD.
| Acknowledgment|| |
This study received economic support from Pfizer Colombia and collaboration from the Colombian Association of Organ Transplants. The concepts expressed, however, are the responsibility of the authors.
Conflicts of interest: None declared.
| References|| |
Machnicki G. Economics of transplantation: A review of the literature. Transplant Rev 2006; 20:75.
Gómez RA. Renal disease in Colombia. Ren Fail 2006;28:643-7.
Woodroffe R, Yao GL, Meads C, et al. Clinical and cost-effectiveness of newer immunosuppressive regimens in renal transplantation: A systematic review and modelling study. Health Technol Assess 2005;9:1-179, iii.
Abboud H, Henrich WL. Clinical practice. Stage IV chronic kidney disease. N Engl J Med 2010; 362:56-65.
Levey AS, Coresh J. Chronic kidney disease. Lancet 2012;379:165-80.
Prabahar MR, Chandrasekaran V, Soundararajan P. Epidemic of chronic kidney disease in India what can be done? Saudi J Kidney Dis Transpl 2008;19:847-53.
Rosselli D, DeAntonio R, Calderon C. Costeffectiveness of a renal health program for patients with diabetic and/or hypertensive chronic kidney disease. Hospitalaria 2009;62:12-8.
Rosselli D, DeAntonio R, Calderon C. Economic analysis of peritoneal dialysis compared with hemodialysis in patients with chronic, diabetic or hypertensive renal disease. Med Unab 2008;11:201-5.
Bayoumi M, Al Harbi A, Al Suwaida A, Al Ghonaim M, Al Wakeel J, Mishkiry A. Predictors of quality of life in hemodialysis patients. Saudi J Kidney Dis Transpl 2013;24:254-9.
Wyld M, Morton RL, Hayen A, Howard K, Webster AC. A systematic review and meta-analysis of utility-based quality of life in chronic kidney disease treatments. PLoS Med 2012;9: e1001307.
Thomas R, Kanso A, Sedor JR. Chronic kidney disease and its complications. Prim Care 2008; 35:329-44, vii.
Lee CP, Chertow GM, Zenios SA. An empiric estimate of the value of life: Updating the renal dialysis cost-effectiveness standard. Value Health 2009;12:80-7.
Grosse SD. Assessing cost-effectiveness in healthcare: History of the $50,000 per QALY threshold. Expert Rev Pharmacoecon Outcomes Res 2008;8:165-78.
Dor A, Pauly MV, Eichleay MA, Held PJ. Endstage renal disease and economic incentives: The International Study of Health Care Organization and Financing (ISHCOF). Int J Health Care Finance Econ 2007;7:73-111.
Pecoits-Filho R, Campos C, Cerdas-Calderon M, et al. Policies and health care financing issues for dialysis in Latin America: Extracts from the roundtable discussion on the economics of dialysis and chronic kidney disease. Perit Dial Int 2009;29 Suppl 2:S222-6.
Ekberg H, Tedesco-Silva H, Demirbas A, et al. Reduced exposure to calcineurin inhibitors in renal transplantation. N Engl J Med 2007;357: 2562-75.
Laftavi MR, Stephan R, Stefanick B, et al. Randomized prospective trial of early steroid withdrawal compared with low-dose steroids in renal transplant recipients using serial protocol biopsies to assess efficacy and safety. Surgery 2005;137:364-71.
Remuzzi G, Cravedi P, Perna A, et al. Longterm outcome of renal transplantation from older donors. N Engl J Med 2006;354:343-52.
Remuzzi G, Lesti M, Gotti E, et al. Mycophenolate mofetil versus azathioprine for preven-tion of acute rejection in renal transplantation (MYSS): A randomised trial. Lancet 2004;364: 503-12.
Danovitch G, Savransky E. Challenges in the counseling and management of older kidney transplant candidates. Am J Kidney Dis 2006; 47:S86-97.
Sanabria M, Muñoz J, Trillos C, et al. Dialysis outcomes in Colombia (DOC) study: A comparison of patient survival on peritoneal dialysis vs. hemodialysis in Colombia. Kidney Int 2008; 73:S165-72.
Lamb KE, Lodhi S, Meier-Kriesche HU. Longterm renal allograft survival in the United States: A critical reappraisal. Am J Transplant 2011;11: 450-62.
Collaborative Transplant Study, University of Heidelberg Department of Transplantation Immunology. Available from: http://www.ctstransplant.org/
. [Last accessed on 2013 Mar 14].
Fenton SS, Schaubel DE, Desmeules M, et al. Hemodialysis versus peritoneal dialysis: A comparison of adjusted mortality rates. Am J Kidney Dis 1997;30:334-42.
Loza-Concha RE, Quispe AM. Cost utility of renal transplant vs. hemodialysis in the treatment of end stage chronic kidney failure in a Peruvian hospital. Rev Peru Med Exp Salud Publica 2011;28:432-9.
Blotière PO, Tuppin P, Weill A, Ricordeau P, Allemand H. The cost of dialysis and kidney transplantation in France in 2007, impact of an increase of peritoneal dialysis and transplantation. Nephrol Ther 2010;6:240-7.
Benain JP, Faller B, Briat C, et al. Cost of dialysis in France. Nephrol Ther 2007;3:96-106.
Arrieta J. Economic evaluation of renal replacement therapy (hemodialysis, peritoneal dialysis and transplantation) in Spain. Nephrology 2010; 1:37-47.
Landreneau K, Lee K, Landreneau MD. Quality of life in patients undergoing hemodialysis and renal transplantation - A meta-analytic review. Nephrol Nurs J 2010;37:37-44.
Asolati M, Matas AJ. Risks versus benefits of living kidney donation. Curr Opin Organ Transplant 2003;8:155-9.
Department of Clinical Epidemiology and Biostatistics, School of Medicine, Pontificia Universidad Javeriana, Carrera 7 No. 40-62, Bogota
[Table 1], [Table 2], [Table 3], [Table 4] | economics |
https://www.kyca.info/the-news-no-audio/town-of-prescott-valley-to-end-contract-with-eco-development-foundation | 2023-09-27T01:40:02 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510238.65/warc/CC-MAIN-20230927003313-20230927033313-00136.warc.gz | 0.957997 | 146 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__71506522 | en | Town of Prescott Valley to End Contract with Eco Development Foundation
The partnership between the Town of Prescott Valley and the Prescott Valley Economic Development Foundation is coming to an end. Town officials announced they intend to end their contract with the foundation, which has been in place since 1996. The town is looking to take a more centralized approach to its economic development strategy and will provide planning and recruitment with its current economic development team. Town Manager Gilbert Davidson said, “We’ll develop an economic road map identifying the industries that we want to bring here. We’re thankful for PVEDF’s efforts over the years to recruit jobs to Prescott Valley and will build on those efforts moving forward." | economics |
https://www.thevineyard.org/event/7643373-2022-09-15-financial-peace-university/ | 2022-08-14T21:39:04 | s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882572077.62/warc/CC-MAIN-20220814204141-20220814234141-00550.warc.gz | 0.92782 | 383 | CC-MAIN-2022-33 | webtext-fineweb__CC-MAIN-2022-33__0__169253600 | en | Financial Peace University
Thursdays, Sep. 15 — Nov. 17, 7–9pm
Financial Peace University has been helping people gain financial freedom and peace for almost 30 years. Nearly 6 million people have gone through the nine lessons and learned the proven plan to pay off debt, save for emergencies, and build wealth.
Absolutely! With Financial Peace University, you’ll learn all about the 7 Baby Steps. This is the money plan for real life—ALL of your life. Getting out of debt isn’t the peak of your money journey. It’s just the beginning.
In addition to the Financial Peace University course you will receive:
- Membership to Ramsey+
- Course workbook
- Access to the Every Dollar App
Following the 7 Baby Steps of Dave Ramsey, the average household finds $332 after their first month of budgeting. In the first 90 days, the average household pays off $5,300 in debt and puts $2,700 into savings. And that’s just in the first three months! Imagine what you can do after that.
Team Vineyard Members receive a $50 discount! Learn more about becoming a Team Vineyard Member.
A Team Vineyard Member is committed to:
- Loving Jesus by acknowledging Jesus Christ as their Lord and Savior.
- Growing Together by regularly attending The Vineyard’s Weekend Celebrations.
- Giving Back by serving on a team and giving financially at The Vineyard.
- Be the first to know
- Invitation to the Team Vineyard Christmas Party
- Personal care through volunteer team involvement
- Opportunity for leadership
- Free attendance to select all-church events
- Free enrollment as a Vineyard FIT: Faith in Training student (50% off classes)
- 20% discount on Resource Center books
- Automatic invitation to RightNow Media | economics |
http://www.fondationicm.org/en/life-insurance-donation.html | 2014-04-20T10:46:39 | s3://commoncrawl/crawl-data/CC-MAIN-2014-15/segments/1397609538423.10/warc/CC-MAIN-20140416005218-00437-ip-10-147-4-33.ec2.internal.warc.gz | 0.942595 | 292 | CC-MAIN-2014-15 | webtext-fineweb__CC-MAIN-2014-15__0__66850080 | en | Institute | Text Size
Donations through a life insurance policy
Did you know that a charitable organization can be named the beneficiary of an insurance policy during your lifetime or upon your death? This is a simple and flexible way to make a substantial donation to a worthy cause, with a fairly modest investment.
The terms you choose for the donation through a life insurance policy will depend on your financial and philanthropic objectives, age and marital status. If you are donating to get a tax deduction, be sure to name the charity as both the beneficiary and the owner of the policy. If you name it as one or the other, you will not be able to deduct the donation proceeds from your taxes. The rule of thumb is if you donate a term life insurance policy, you can deduct the premium from your taxes, where as if you donate a whole life insurance policy, you can deduct the cost of the premiums and the cash value from your taxes.
A donation through an insurance policy generates significant tax savings for the donor. Because the donation is made in one’s lifetime, the estate receives no tax benefit.
However, if you believe that your estate is likely be taxed heavily, you may wish to defer your tax savings by designating the MHI Foundation as your policy’s beneficiary, in part or in whole, while you remain the owner. The donation will take place only upon your death, thereby generating tax savings for the estate. | economics |
http://www.corecu.org/ | 2016-06-25T07:03:17 | s3://commoncrawl/crawl-data/CC-MAIN-2016-26/segments/1466783392159.3/warc/CC-MAIN-20160624154952-00144-ip-10-164-35-72.ec2.internal.warc.gz | 0.907297 | 331 | CC-MAIN-2016-26 | webtext-fineweb__CC-MAIN-2016-26__0__98920230 | en | CHECK OUT OUR NEWEST BRANCH!
Access CORE Anywhere Mobile Banking now. Our CORE Anywhere Mobile App is available on Apple, Kindle, or Android devices and replaces our previous mobile/text banking service.
Photo ID Debit Card FREE!
In response to the high levels of account fraud in the world today, CORE Credit Union will begin offering free photo ID debit cards with all checking accounts!
The photo ID debit card provides all the benefits of our regular debit card, plus:
- Helps prevent others from using your card if it’s stolen
- Identifies you as the card’s authorized user to merchants
- Provides an additional form of photo ID
Their Rate - 2% = Our Auto Rate
Do you have an automobile or RV loan with another lender? If so we want to beat their rate by 2% and put the savings in your pocket. This 2% rate reduction means lower payments and less interest over the life of the loan. On a 60 month $25,000 loan, a 2% rate reduction saves a borrower over $1,372 in interest and monthly payments are reduced by $22 per month. CORE has refinance rates as low as 2.74% APR*. To start saving today, apply online or contact our Loan Department at (912) 764-9846. Refinancing is quick, easy, and there are no application fees.
Offer good on auto and RV loans currently financed through other lenders. CORE CU auto/RV loans not eligible for refinance promotion. *APR= Annual Percentage Rate. | economics |
https://90right.wordpress.com/2012/01/12/mia-conference-unveils-lord-drayson-prototype/ | 2017-04-26T02:09:43 | s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121121.5/warc/CC-MAIN-20170423031201-00102-ip-10-145-167-34.ec2.internal.warc.gz | 0.958176 | 1,073 | CC-MAIN-2017-17 | webtext-fineweb__CC-MAIN-2017-17__0__212150053 | en | 6th Low Carbon Racing Conference at the NEC, Birmingham – motorsport and automotive key players congregated to debate the fundamental issues concerning the industry and to witness the launch of a potentially history-making electric car.
The recurring theme of the day was the need to engage with the new generation of smartphone equipped fans and how low-carbon racing can be a catalyst for a new era of competition providing major opportunities for the motorsport industry.
Nick Baird, CEO, UK Trade & Investment gave the first keynote speech and spoke of his pride in the output of the British motorsport industry and the technological transfer to other sectors. He emphasised that UK Trade & Investment wants to do all it can to grow businesses and that the Government is anxious to help the sector pick up yet more speed. The MIA was commended for its work on crossover initiatives such as those to the defence and automotive industries.
Two years ago, Lord Drayson, then speaking as a Government Minister, challenged the motorsport industry to produce cooler, green cars. Now – as a managing partner in Drayson Technologies – he has met his own challenge with the unveiling of the Lola Drayson B12/69EV all-electric prototype.
The vision behind the car was to demonstrate potential of sustainable technologies, provide real data on electric vehicle performance, generate business opportunities, highlight speed potential and develop know-how relevant to the new FIA Formula E World Championship.
The car was hailed as revolutionary by the Mercedes AMG F1, Audi and Porsche management, who were panellists. Lord Drayson explained some of the technological advances embraced in the design, including the use of wireless charging technology which, although currently static, he sees as some day being dynamic, enabling cars to recharge while racing out on track.
Lord Drayson was also the afternoon keynote speaker, when he talked about the strategic importance of attracting audiences and sponsorship. He spoke of the benefits of the open rules for the FIA Formula E World Championship. As a former politician, he predicted that, once the economy improves, media focus will return to the environment, which in turn will put pressure on politicians to regulate to reduce emissions and sees this as the time for the motorsport industry to “get ahead of the curve”.
The Showcase Exhibition included three prototype electric vehicles, in addition to the Lola-Drayson Le Mans prototype, the Formulec EF01 Formula 3 type car, the Quimera AEGT01 GT car and the Delta E4 Coupe, providing tangible evidence of the progress being made in the industry. Top speeds for the cars range from 150 to 200mph, showing sceptics that electric does not mean slow.
Three panel sessions with industry experts continued discussions, with audience members participating. There was general agreement that growing spectator numbers for the new type of racing is key, but how to solve the issue wasn’t so apparent.
Chris Aylett, the MIA’s CEO: “The star of the show has to be Lord Drayson’s car. To have the vision and commitment to have got so far in just a year is exceptional. Major manufacturers have to be risk averse, so it is entrepreneurial companies that can be the front runners. But the technology and cars is just one side. Our panellists have all come to the same conclusion: that we need to build up the entertainment side. The new generation of racing will be something very different to suit the new generation of motorsport enthusiasts. Our first conference was nine years ago, when diesel was seen to be a big advance. To have incredible examples of electric racing cars that are a major step ahead just shows how quickly the industry moves. It’s days like yesterday that spur on our members and other companies to make the most of the business opportunities out there.”
UK Trade & Investment CEO Nick Baird: “I am proud to be representing UK Trade & Investment at the sixth MIA International Low Carbon Racing Conference. This is a very important initiative. Low-carbon racing is a new, important and exciting development in the motorsport sector and I am thrilled that the UK is a leading global player. The global market for low-carbon goods and services, of all types, is already worth around £3 trillion and is expected to exceed £4.5 trillion by 2015. With their history of innovation, British motorsport companies are well placed to benefit from these opportunities. UK Trade & Investment is here to help UK companies and the UK motorsport industry as a whole go forward into a prosperous, low-carbon future.”
Lord Drayson, Managing Partner Drayson Technologies & President MIA “The door has been opened to a new opportunity in the electric world. I urge motorsport companies to rush in and maximise it for all its worth. Global brands are looking to the fast growing middle class markets in China and India. China already has a pollution problem and legislation. Establishing a brand in electric racing is a way of grabbing a piece of that fast growing market. I’m very proud of the Lola-Drayson and am encouraged to see the other cars on show here. I hope companies are encouraged to take the Formula E opportunity and look forward to seeing them on the grid in 2013.” | economics |
https://www.agaiti.com/2023/07/revolutionizing-manufacturing-how.html | 2023-10-04T06:03:32 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511361.38/warc/CC-MAIN-20231004052258-20231004082258-00503.warc.gz | 0.919293 | 1,257 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__233530761 | en | The manufacturing industry is undergoing a remarkable transformation as robotics and automation technologies revolutionize traditional production processes. This article delves into the profound impact of robotics and automation on manufacturing, exploring how these innovations are driving efficiency, productivity, and cost-effectiveness. We will also examine the challenges and opportunities presented by this shift, and the potential implications for the future of work and the global economy.
The manufacturing landscape is rapidly evolving, with advancements in robotics and automation technology driving this transformative change. From the assembly lines to supply chain management, these technologies are revolutionizing how goods are produced, leading to increased productivity, improved quality, and reduced operational costs. In this article, we will delve into the various ways that robotics and automation are reshaping the manufacturing industry, and how this transformation is influencing the world economy.
- Increased Efficiency and Productivity
One of the most significant benefits of robotics and automation in manufacturing is the substantial increase in efficiency and productivity. Robots can tirelessly and accurately perform repetitive tasks, leading to enhanced output and a reduction in errors. With the ability to operate 24/7, automation technology ensures that production continues seamlessly, even in non-working hours, minimizing downtime and maximizing output.
- Precision and Quality Improvement
Automation systems are equipped with advanced sensors and artificial intelligence, enabling them to achieve unparalleled precision and consistency in manufacturing processes. This attention to detail results in superior product quality, meeting and exceeding customer expectations. Furthermore, the reduction in defects and errors leads to a decrease in waste, contributing to a more sustainable and eco-friendly manufacturing process.
- Flexibility and Customization
Modern robotics and automation technology are highly adaptable and can be easily reprogrammed to handle various tasks and production requirements. This flexibility allows manufacturers to respond swiftly to changing market demands and tailor their products to meet individual customer preferences. As a result, mass production is giving way to personalized manufacturing, where each product is customized according to specific consumer needs.
- Enhanced Workplace Safety
Robotic automation has the potential to eliminate hazardous tasks that may pose a risk to human workers, thereby significantly improving workplace safety. Dull, dangerous, and dirty jobs can be efficiently handed over to robots, reducing the likelihood of accidents and injuries. This shift not only protects workers' well-being but also boosts employee morale and job satisfaction.
- Cost Savings and Competitiveness
While the initial investment in robotics and automation technology can be substantial, the long-term cost savings are compelling. Once implemented, automated systems operate at a lower cost per unit compared to manual labor. This cost-effectiveness enhances a manufacturer's competitiveness by allowing them to offer products at competitive prices, resulting in a potential increase in market share.
- Supply Chain Optimization
Automation technologies play a crucial role in optimizing supply chain management. From inventory tracking and order fulfillment to logistics and distribution, robotics can streamline the entire process, minimizing delays and improving overall efficiency. Real-time data analysis also facilitates predictive maintenance and reduces the risk of unexpected breakdowns, ensuring a smooth and uninterrupted supply chain flow.
- Challenges and Opportunities
While the benefits of robotics and automation in manufacturing are undeniable, there are also challenges that need to be addressed as the industry embraces this technological shift:
- Job Displacement and Reskilling
As automation replaces certain tasks previously performed by human workers, concerns about job displacement arise. The transition to automated manufacturing may lead to workforce restructuring, requiring individuals to be reskilled for new roles that involve working alongside or supervising automated systems. Governments, businesses, and educational institutions must collaborate to implement effective reskilling programs to help workers adapt to the changing job landscape.
- Initial Investment and Integration
Implementing robotics and automation technology necessitates substantial initial investment in equipment and training. Additionally, integrating these systems into existing manufacturing processes can be a complex undertaking that requires careful planning and coordination. Small and medium-sized enterprises (SMEs) may face more significant challenges in this regard due to financial constraints and limited resources.
- Cybersecurity Risks
The increased reliance on technology also brings forth cybersecurity concerns. As automation systems become interconnected and communicate through the Internet of Things (IoT), they become susceptible to cyber threats and hacking attempts. Safeguarding manufacturing facilities from potential cyber-attacks requires robust security measures and constant updates to stay ahead of evolving threats.
- Ethical and Social Implications
The widespread adoption of robotics and automation raises ethical considerations regarding the treatment of displaced workers and the potential loss of livelihood for many. Additionally, there is a need to address ethical concerns related to the use of artificial intelligence (AI) and autonomous robots, ensuring they are designed and programmed responsibly to avoid any unintended consequences.
Opportunities arising from the integration of robotics and automation technology in manufacturing include:
- Job Creation and Specialization
While automation may replace certain tasks, it also creates new job opportunities in fields like robotics maintenance, programming, and AI development. As manufacturers specialize in customized products, skilled workers will be in demand to design and oversee intricate production processes.
- Global Competitiveness
Manufacturers that embrace automation early on can gain a competitive advantage in the global market. Faster production cycles, higher quality products, and increased customization options can attract a broader customer base, leading to increased revenue and market share.
- Advancements in Research and Development
The drive towards automation necessitates continuous research and development in the fields of robotics, AI, and automation. This push for innovation will not only benefit the manufacturing industry but also contribute to advancements in other sectors, such as healthcare, transportation, and aerospace.
The manufacturing industry is at the brink of a paradigm shift, thanks to the transformative power of robotics and automation technology. As these technologies continue to advance, manufacturers can reap the rewards of increased efficiency, enhanced quality, and reduced costs. The challenges brought forth by automation must be addressed through collaborative efforts between industry stakeholders, governments, and educational institutions. By striking a balance between the ethical integration of automation and reskilling the workforce, we can ensure a prosperous and sustainable future for the manufacturing industry. Embracing this revolution with foresight and adaptability will position countries and companies at the forefront of global competitiveness in the 21st century economy. | economics |
https://www.nuffrespekt.com/en/delivery-and-shipping-costs-t4 | 2024-04-19T01:47:21 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817253.5/warc/CC-MAIN-20240419013002-20240419043002-00073.warc.gz | 0.938165 | 193 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__203133210 | en | Delivery and shipping costs
International Shipping Costs
Shipping Information for International Customers:
We offer international shipping for our valued customers
The shipping cost varies depending on the destination country and the total weight of the ordered products. The total shipping cost will always be clearly displayed in your shopping cart before you proceed to place your order.
Generally, our shipping costs fall within the range of 6 to 14 Euro for standard packages. For heavier packages, particularly for large and heavy shipments, the cost may be between 14 to 85 Euro.
We ship all orders from Monday to Friday. The delivery time does not include Saturdays, Sundays, and public holidays.
If you're usually at work during the day, consider having the shipment delivered to your company address.
All orders for items in stock are dispatched within 3 working days. All deliveries are made from Poland.
Please note that we only provide traceable shipping options.
Thank you for shopping with us! | economics |
https://preferredhomes.ca/blog.html/archives/2023/03/ | 2023-09-26T18:44:12 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510219.5/warc/CC-MAIN-20230926175325-20230926205325-00688.warc.gz | 0.92569 | 660 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__250125157 | en | Victoria, British Columbia, is renowned for its stunning landscapes, commitment to eco-friendly practices, and a strong focus on sustainability. As residents of this beautiful city, we have a responsibility to reduce our carbon footprint and contribute to preserving our natural environment. One effective way to do this is by incorporating energy-efficient appliances into our homes. In this blog post, we will explore the benefits of using energy-efficient appliances tailored to Victoria, BC, and how they contribute to a more sustainable and cost-effective lifestyle.
Reduced Energy Consumption
Energy-efficient appliances are designed to minimize energy usage without sacrificing performance. By using advanced technologies, these devices consume less electricity, reducing the overall energy demand. This is particularly important for Victoria, where the local government and community are striving to lower greenhouse gas emissions and create a more sustainable future for the region.
Lower Energy Bills
For homeowners in Victoria, investing in energy-efficient appliances can result in significant monthly savings on energy bills. By consuming less power, these appliances require less energy, leading to reduced costs. In a region where the cost of living can be relatively high, these savings can make a meaningful difference in household budgets.
Energy-efficient appliances are known for their improved performance compared to their less-efficient counterparts. Innovations in technology and design have allowed for the development of appliances that not only consume less energy but also function more effectively. For instance, energy-efficient washing machines can clean clothes just as effectively as traditional models while using less water and power - an essential consideration in a region where water conservation is crucial.
Climate Leadership Incentives
Residents of Victoria can take advantage of the various incentives offered by the British Columbia government through their Climate Leadership Plan. By participating in these programs, you can save money while also investing in a greener future for Victoria and the province.
Increased Home Value
In Victoria's competitive housing market, investing in energy-efficient appliances can boost the value of your home. Prospective buyers are increasingly seeking eco-friendly homes with lower energy costs. By incorporating energy-efficient appliances into your home, you can potentially increase its market value and make it a more attractive option for potential buyers.
Reduced Greenhouse Gas Emissions
Energy production is one of the leading causes of greenhouse gas emissions, which contribute to climate change. By using energy-efficient appliances, we can significantly decrease these emissions. This is especially relevant in Victoria, where the community is actively working to reduce its carbon footprint and combat climate change.
Supporting Local Green Initiatives
By investing in energy-efficient appliances, you contribute to the overall green initiatives in Victoria. The city is known for its commitment to sustainability, and your support helps encourage the continued growth of eco-friendly practices and the development of sustainable technologies in the region.
The benefits of using energy-efficient appliances in Victoria, BC, are numerous and far-reaching. Not only do they help reduce energy consumption, lower energy bills, and provide enhanced performance, but they also contribute to a more sustainable environment, increased home value, and the potential for government incentives. By embracing the green revolution and investing in energy-efficient appliances, we can actively contribute to preserving the natural beauty of Victoria and ensure a healthier planet for future generations. | economics |
https://phuketluxuryhome.com/melia-hotels-to-open-phuket-beachfront-resort/ | 2019-08-23T11:25:20 | s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027318375.80/warc/CC-MAIN-20190823104239-20190823130239-00108.warc.gz | 0.918577 | 525 | CC-MAIN-2019-35 | webtext-fineweb__CC-MAIN-2019-35__0__86287800 | en | The Meliá Phuket Mai Khao will be the group’s fifth property in Thailand, continuing their dedication in providing exceptional hospitality with a Spanish touch to this thriving market, noted a release announcing the news.
With 48 properties in seven countries in Asia, both in operation and in the pipeline, Meliá Hotels International continues to put a focus on robust momentum and growth for the region, the release added.
The new Meliá Phuket Mai Khao is owned by local company Phuket Villa Group, well known for its popular Phuket Villa residential property developments across the island.
Established in 1985 by Phuket’s Upatising family, Phuket Villa Group has more than 25 years of experience in real estate investment and developments. The Group is a privately held company with more than 10 residential projects, 6,000 houses, two hotels and various condominium buildings both in Phuket and Bangkok already in its portfolio.
“It’s absolute thrilling news that we are expanding our footprint into Phuket with Meliá Hotels & Resorts brand,” said Bernardo Cabot Estarellas, Senior Vice President Asia Pacific of Meliá Hotels International.
“While tourism continues to be the driving force in the Phuket economy, we’re well poised to bring our extensive experience in the resort segment to one of the most desired destinations in Asia,” he added.
“Partnering with Phuket Villa Group, who we share similar ethos and passion with, will assure us to achieve robust and sustainable growth and deliver an unparalleled experience to meet the seasoned guests’ desires.”
Maetapong Upatising, Managing Director of the Phuket Villa Group, agreed.
“We’re excited to embark on this partnership with Meliá Hotels International, one of the world’s largest resort hotel companies, to capture the flourishing tourism market in Phuket,” she said.
“Looking ahead, together with Meliá Hotels International, we have every confidence in bringing best of hospitality to Phuket and setting the benchmark for hospitality in this beautiful island.”
The Meliá Phuket Mai Khao will boast 101 private villas, each with a private pool and well-appointed amenities.
The resort will also feature two main pools, Meliá’s signature YHI Spa, in-resort services as well as meeting and banquet facilities. | economics |
https://unifydigital.co.nz/ufg-auction-engineering-digital-auctions/ | 2023-12-03T18:19:58 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100508.42/warc/CC-MAIN-20231203161435-20231203191435-00665.warc.gz | 0.965041 | 646 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__166025939 | en | 17 Feb UFG Auction – Engineering Digital Auctions
UFG and Unify Digital have enjoyed a synergistic relationship for many years. However, in 2010 UFG made plans to establish four branch offices in addition to their head office in Auckland. They also planned to review the operation of their digital electronic auction system to increase their primary revenue generating capacity. UFG asked Unify Digital to provide the solutions and trusted them to deliver.
“We had a tight timeframe, and Unify Digital were able to deliver every single one of our requirements,” explained CEO, Bruce O’Brien.
“They were even able to make adjustments on the fly when unexpected things came up.”
VMWare, Veeam, NetApp, Lenovo, Brocade
Dedicated VPN Network
A robust national VPN network was constructed to enable communications between the sites. Operations Manager, Kevin Grout, explains how valuable this network deployment has been; “The network has been so stable, which is great because at the time we thought we would have to pay huge prices for a managed WAN.” The VPN network allowed UFG to maintain their server infrastructure at their Auckland head office.
Servers and Storage
“We’ve always found recommendations from Unify Digital to be forward looking and in line with our strategy for digital innovation, said Mr O’Brien. UFG have constructed a virtual server farm to host their infrastructure, and with Unify Digital’s help it has been right sized for current needs and future requirements. In fact, the server infrastructure became crucial when Unify started work on redesigning the digital auction system.
Digital Auction System
UFG’s primary revenue source is driven from a digital auction system. Early on Monday, Wednesday and Friday mornings thousands of flowers are sold into the NZ market via the Dutch auction system. “The key to maximising the revenue generating capacity is to maximise the throughput of the auction process,” commented Unify’s lead developer, Jared Oliver, “that means more trolleys [of flowers], more buyers, and in less time.” Unify were able to use these guiding concepts to redesign, program and deploy a brand new, custom built auction system so that UFG were able to triple their auction throughput. “In partnership with Unify we have a regular cycle of innovations that we release to our buyers to stay ahead of our competitors,” said Mr. O‘Brien. “We also have the luxury of having local support for our systems through Unify Digital, instead of relying on overseas experts.”
By committing to a digital strategy that encompassed everything from IT infrastructure to innovative new solutions, and automation of processes, UFG have become a market leader in flower distribution. “Our digital and IT innovations, led by Unify Digital has been a key factor in more than doubling our revenue,” said Mr. O’Brien, “we highly recommend the Unify Digital team; they are thorough, and responsive, and we have enjoyed our strategic partnership for more than ten years now.” | economics |
https://www.44mgmt.com/about-rodd | 2024-04-14T08:40:18 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816875.61/warc/CC-MAIN-20240414064633-20240414094633-00621.warc.gz | 0.968494 | 571 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__45036191 | en | MORE ABOUT RODD:
BACKGROUND & CREDENTIALS
Rodd Newhouse is a dynamic addition to Wealth Partners Alliance, bringing his extensive expertise in wealth management for private clients, particularly focusing on sports and entertainment professionals. With a proven track record in the industry, Rodd is committed to delivering comprehensive financial solutions to help clients preserve, grow, and transfer their wealth effectively.
As an Accredited Wealth Management Advisor (AWMA®) and Sports and Entertainment Accredited Wealth Management Advisor (SE-AWMA™), Rodd possesses the specialized knowledge and skills to capitalize on opportunities that align with his clients' unique financial goals. He is dedicated to providing a goals-driven experience that seamlessly integrates financial planning and investment strategies, ensuring a holistic approach to wealth management.
Rodd's background speaks volumes about his commitment to excellence. With over 20 years of experience in the sports industry and a deep understanding of investment services, he has honed his skills in building a successful Sports and Entertainment Advisory practice. Coming from a family with multiple NFL players, Rodd has an intimate understanding of the specific wealth management needs and challenges faced by professional athletes and entertainers.
Throughout his career, Rodd has worked with notable institutions in the financial industry as he expanded his Sports and Entertainment Advisory business at both 44 Management and Wells Fargo. He also served as the Pro Personnel Director for the Arizona Cardinals, gaining valuable experience in talent management and strategic decision-making. Rodd's involvement with the NFL Management Council further enhanced his expertise in the industry. Most recently Rodd is a Partner of the ownership group of the Dallas Jackals, a professional rugby expansion team of Major League Rugby. He holds a bachelor's degree from Rice University and a Executive Juris Doctor (EJD) degree from Concord Law School, and a real estate broker license (TX).
In addition to his professional achievements, Rodd actively engages in personal endeavors. He finds fulfillment in his role as a devoted family man, married with two children. Rodd remains connected to his community as a member of the Association of Rice University Black Alumni, contributing his time and expertise to support their initiatives. He is also an advocate for health and wellness and co-founded the 44Strong Foundation, a non-profit organization dedicated to raising awareness and funding research for amyloidosis (heart disease). This foundation, born out of his father's legacy as a former Dallas Cowboys fullback and Super Bowl Champion, exemplifies Rodd's commitment to making a positive impact beyond his professional endeavors.
With his wealth management acumen, dedication to client success, and passion for making a difference, Rodd Newhouse is an invaluable asset to Wealth Partners Alliance, driving exceptional outcomes for clients and contributing to the firm's continued growth and success.
Click below to read Rodd's latest blog articles. | economics |
https://www.kangarealestate.com/rentals/fort-lauderdale/350-las-olas-place/ | 2018-02-25T23:26:28 | s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891817523.0/warc/CC-MAIN-20180225225657-20180226005657-00683.warc.gz | 0.900443 | 493 | CC-MAIN-2018-09 | webtext-fineweb__CC-MAIN-2018-09__0__237558843 | en | 350 Las Olas Condos for Rent in Ft Lauderdale Florida. Embrace the charms of living a smart, sleek and sophisticated lifestyle courtesy of 350 Las Olas Place in FT Lauderdale Florida. Rising amidst the ever burgeoning Lauderdale business district, owning a piece of 350 Las Olas Place real estate is certainly a wise investment decision. Contact the Fort Lauderdale real estate experts at KangaRealty for a showing of this community, call 954-651-9050.
350 Las Olas Place Rentals
With just seven units per floor, exclusivity is a top priority for the developers of the 350 Las Olas condominium complex. Additionally, the modern lifestyle of living at the center of Florida’s business and entertainment center is also an attraction.
The 350 Las Olas condos is a high rise development that suits perfectly with newly-wed couples and young professionals. Hence if you are looking for a safe and reliable real estate investment, 350 Las Olas complex is definitely worth considering.
This majestic development is strategically located in the middle urban Ft Lauderdale in order to emphasize accessibility and enhance convenience. The 350 Las Olas is near commercial establishments and prestigious universities to better serve its residents.
With majestic views of downtown Fort Lauderdale, the 350 Las Olas Place offers 1, 2 and 3 bedroom units that are not only luxurious but also sensible. If you are looking for condos for rent in 350 Las Olas or if you are in the hunt for a prized 350 Las Olas real estate, then you should not miss your chance.
The 350 Las Olas also has tremendous upside and potential with plenty of establishments currently being constructed within the area.
350 Las Olas Place Location
The rent condos in 350 Las Olas business is not the only source of income you’ll be getting, the eventual increase in the property’s value is also another great way to generate income. It is estimated that the 350 Las Olas Ft Lauderdale will increase its value at least 7-10 percent each year – and that’s a very conservative estimate.
This 30-storey condominium complex is also very attractive to tourists and other potential renters because of its wonderful amenities. The 350 Las Olas Place boasts world class amenities and exclusive services that make it stand out amongst its competitors.
Let KangaRealty’s team of expert real estate agents, schedule you some showings of condos for rent in Fort Lauderdale. | economics |
http://davinciok.org/why-college-education-matters/ | 2024-04-23T13:20:28 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818711.23/warc/CC-MAIN-20240423130552-20240423160552-00555.warc.gz | 0.963048 | 451 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__48559019 | en | by Gary Davidson, Executive Director of the Oklahoma Association of Community Colleges
Recently some critics of higher education have manufactured some research to tell us that a college education is not worth the price anymore. Funny how those that think higher education is a bad investment for someone else’s kids always make sure that their own children attend college.
Please consider the following objective data on this subject. First, there is a direct correlation between higher levels of education and higher earnings. The U.S. Department of Commerce reports that the lifetime earnings for a person with a Bachelors degree is $1.1 million dollars more than high school graduate. That rate jumps to $1.5 million for a person with a Masters Degree and $3.7 million for a Professional degree.
Two year colleges in Oklahoma are an incredible bargain. For approximately $5,000 per year Oklahoma students can earn an Associate’s degree. This includes many high demand fields such as nursing or information technology. The cost of that degree is recouped 2 or three times over in the first year salary earned. The bargain is even better when you consider that many local, state, and federal scholarship, grant and low interest loan programs are available to significantly reduce or eliminate tuition, fees and other costs of college.
There are also important societal benefits of higher education. Higher levels of education correspond to lower levels of unemployment which means college graduates contribute more for economic investments such as highways and bridges and create less demand for public welfare and Medicaid programs.
College graduates have lower smoking rates, require less health care, and have significantly lower incarceration rates than individuals who have not graduated from college. There is a direct correlation between higher education levels and civic participation including volunteer work, voting and blood donations. For the first time in U.S. history, the current generation of college-age Americans will be less educated than their parents’ generation, and yet our workplaces require higher-level skills than ever before. The U.S. has fallen in international education rankings. In one single generation, America fell from 1st to 12th in college completion rates for young adults. Given these facts, policy discussions about higher education should focus on objective data, not demagoguery. | economics |
https://www.listingsbylocation.com/listing-lbl-costa-rica/costa-rica-620-plaza-ventanas-gas-station-ojochal-puntarenas-60501/ | 2024-03-03T19:26:48 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476397.24/warc/CC-MAIN-20240303174631-20240303204631-00852.warc.gz | 0.942134 | 443 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__197046299 | en | About Plaza Ventanas & Gas Station
One of the best investment opportunities in the Southern Zone is here. Plaza Ventanas and Ventanas Gas Station are an impressive, fully-operational commercial plaza that is generating great steady income. Located on the Southern Pacific Coastal Highway, next to the newly-opened Ventanas Gas Station – the only service station between Uvita and Palmar – Plaza Ventanas is perfectly situated to capitalize on the traffic of tourists and locals alike. Additionally, the sales price includes two commercial lots: a vacant 2,248 m2 lot adjacent to the Gas Station and another 1,936 m2 building lot next to the Plaza where a house and 3 rental apartments are being constructed.
Plaza Ventanas consists of 28 rental units with a total surface of 2,597 m2, almost all of which are currently occupied. A diverse range of businesses operate within the plaza, including Restaurante T-Rex serving local cuisine, a Pharmacy, Sakura Sushi and Grill Restaurant, a Dental Clinic, French Bakery/Café, a Real Estate Consultancy center, Admin office, Attorney/Notary office, Medical Clinic, Real Estate Office, Construction Management office, and many others.
The owners of Plaza Ventanas have created a unique experience that draws in crowds by the hundreds , with life-sized, Jurassic giants that give the plaza a theme park-like atmosphere. Lots of families come to this one of a kind opportunity to take photos with the lifelike dinosaurs, which guarantees a constant flow of people to the existing business.
The Ventanas Gas Station is the only service station in 44 km, and is located adjacent to the Plaza. This modern gas station is always busy, and includes a fully stocked convenience and liquor store, as well as an ice cream parlor and churros stand. This turn-key operation is situated on a 3447m2 commercial lot with incredible visibility.
This magnifical property is just 1km from the residential population in Ojochal, making it an ideal destination for a wide range of customers. This is trully one of the best business opportunity that will continue to see steady growth into the future | economics |
http://www.copops.org/ | 2015-10-07T17:22:04 | s3://commoncrawl/crawl-data/CC-MAIN-2015-40/segments/1443737875203.46/warc/CC-MAIN-20151001221755-00103-ip-10-137-6-227.ec2.internal.warc.gz | 0.965276 | 561 | CC-MAIN-2015-40 | webtext-fineweb__CC-MAIN-2015-40__0__58229033 | en | When you are considering the purchase of a brand new automobile it is important to take into consideration the type of financing options you are eligible for. So often, consumers go to the dealership and when they have settled on the new vehicle that they want, they simply take the first financing offer that is made. There is little doubt that it is not likely to be the best offer that they can secure. In order to find the best possible financing deals on new car loans, there are a few things that you need to be aware of. This guide is prepared to direct you in the ways of finding the best deals on new car loans.
Before you set foot on the dealership lot, you can apply for pre-approved financing from a number of lenders who are willing to offer competitive rates. Of course, the rates that you are offered will depend upon your credit history, cumulative credit scores, your income, and your debt to income ratio. This is known as your creditworthiness. It is always a good idea to check on your credit scores with the three most commonly used credit reporting agencies. Obtain a copy of your cumulative credit report an check it for inaccuracies. Often, credit scores are lowered because of inaccuracies that are recorded. If you find an issue, you can request to have corrections made. If there are extenuating circumstances such as divorce, death or unemployment due to disability for a period of time, there is room for an explanation on the report and this can make a difference with some lenders, providing that the remainder of the report is positive.
Pre-approval for new car loans
There is a variety of different lenders who are willing to extend credit on new car loans. One of the fastest and easiest ways to compare their rates, terms and policies is to use convenient online tools that help you to accomplish this. Just plug in your personal data and the results are returned to you within a few minutes so you can get an idea of which lender is apt to offer you the best deal with the lowest interest rates. Before accepting any offers, you should carefully read about the terms and conditions of the contract. Avoid variable interest rates which can be changed after your loan has been approved, and penalties for pre-payment. The latter is more important if you think that you may wish to pay the car off early, or if you anticipate trading it in on a newer vehicle before the total amount is paid off.
According to ThoroughlyReviewed – Car Warranty Reviews section, the most pre-approval processes can be completed online and can be accomplished quicker than standing in line at your financial institution and wading through copious amounts of paperwork, questions and required documentation. Electronic applications may be completed with the use up uploading files and documents for transmission in some cases. (more…) | economics |
http://www.prepaidforyou.co.za/Buyprepaidsubmeter.aspx | 2021-12-06T23:48:56 | s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363327.64/warc/CC-MAIN-20211206224536-20211207014536-00575.warc.gz | 0.949024 | 471 | CC-MAIN-2021-49 | webtext-fineweb__CC-MAIN-2021-49__0__90933697 | en | Option 1 - Self Management
The owner of the meter deals with the vending of the tokens himself.
- The tenant pays any amount into the owner’s bank account or gives the owner the cash.
- Owner receives the money and makes out a token for the tenant.
- Token is created through an sms that is sent from the owner’s cell phone to the system.
- Owner receives the token on his cell phone and forwards the token to his tenant.
- Tenant receives the token and enters it on his keypad. His electricity or water is loaded with the amount that he paid.
- The vending system costs R15 per meter per month irrespective of the quantity of tokens requested. A debit order form is completed to collect the R15 from the owner.
- With every first token of the month the system will deduct R15 from the tenant. E.g.: Owner receives R200 and sends an sms for a R200 token. The tenant receives a token for R185. In this way the owner receives his R15 back and the tenant actually pays the R15.
- In short: There are no additional costs to the owner. All fees are covered by the tenant.
- The money collected by the owner is used to pay the municipality bill or top up the main prepaid meter.
Option 2 - Outsourcing
Prepaid meters deals with vending tokens on behalf of the owner
- The tenant can buy electricity or water at most Shell and BP garages as well as certain shops in their region. List for your area available from us.
- The tenant can also buy electricity or water at the bank, via internet or through his credit card.
- After the tenant deposits his money he sends an sms from his cell phone to receive his token.
- This option doesn’t cost the owner anything.
- For the use of this option 10% is deducted from the tenant’s payment. Example: If the tenant pays R100 he receives a token for R90. The R10 is collected for administration fees.
- At the end of the month all the money that was collected is paid over to the owner. The owner then pays his municipality bill or tops up the main prepaid meter. | economics |
https://www.airescuehvac.com/financing/ | 2024-04-18T00:21:12 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817184.35/warc/CC-MAIN-20240417235906-20240418025906-00694.warc.gz | 0.933964 | 274 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__52565299 | en | Get Financing for Your Heating and Cooling Services
At Airescue Heating and Cooling, we understand that purchasing heating and cooling services can be expensive. We want to ensure that all of our customers have access to the services they need, which is why we offer financing services. With our financing options, you can secure the comfort of your home with a simple plan.
If you’re afraid of falling behind on your bills, then financing might be a possible option to help you. The experts at Airescue Heating and Cooling are here to help guide you through financing your HVAC repair or installment.
Start Your Financing Now
We will deliver a solution that meets your needs while saving you time, money, and stress. We offer a wide range of options, including traditional financing and payment plans. Let us help you invest in a quality system that keeps you comfortable all year.
Call Today to Start Your Financing Application
Don’t let unexpected HVAC repairs derail your budget. By financing through us, you can get the HVAC services you need and make manageable payments over time. Start your financing application today, and you can get to a comfortable home in no time. Contact us today at (916) 667-1674 or fill out the online form to learn more about our financing options. | economics |
https://www.texture.ae/about/history/ | 2023-12-06T00:14:45 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100575.30/warc/CC-MAIN-20231206000253-20231206030253-00402.warc.gz | 0.960572 | 160 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__91756473 | en | With a collective professional experience of three decades in industries ranging from textiles and aviation to trading and investments, the company’s founders were perfectly placed to set up Texture Holdings in 2003. Their diverse background means they have seen different business cycles in the GCC and the subcontinent and have learnt how to apply an innovative approach to solving problems and building a successful company.
Since its inception, Texture Holdings quickly gained its sterling reputation as one of the main real estate firms in UAE. By 2013, it had already consolidated assets of over AED 2.5 billion in property developments and land banks. Today, the Texture family boasts over 3,000 clients and more than 50 staff members. The company continues to steadily grow, always adapting to the needs of our clients and the land we live in. | economics |
http://anchorhmo.com/buy-a-health-plan/third-party-administration/ | 2019-03-19T02:13:45 | s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912201882.11/warc/CC-MAIN-20190319012213-20190319034213-00388.warc.gz | 0.943894 | 378 | CC-MAIN-2019-13 | webtext-fineweb__CC-MAIN-2019-13__0__77668561 | en | This is a medical outsourcing service, which involves recruitment of providers (hospitals); processing and payment of hospital bills; a service hereto to that would have been provided by the employer. This system loosens up administrative time for employers to focus on their core services. There are no limits to medical care except as set by the employers. Anchor HMO will administer the healthcare funds by negotiating tariff with the hospitals and also pay the hospitals accordingly. Anchor HMO charges an administrative fee for the service provided.
Plans / Benefits
- Scope of coverage – The scope of coverage is unlimited and is designed to meet the organization’s requirement and budget.
- Service Delivery – Subscribers will have access to additional services such as 24hr customer care, emergency ambulance and medical assistance services.
- Reduced Healthcare Cost – Anchor HMO reimburses the health care provider for services provided at a pre-negotiated rate.
- Quality Management – Anchor HMO will ensure high quality care delivery by accrediting and monitoring contracted health providers. A second opinion will be required for non-emergency medical procedures.
- Reduced administrative burden – We take on the responsibility for administering medical benefits and payments.
- Nationwide Emergency Coverage – Subscribers are guaranteed access to our nationwide emergency care coverage.
- Utilization Reports – We shall provide an annual analysis of the scheme’s operations and performance as well as periodic reports on payments, expenses and utilization trends.
- Funding and Payments – The administrator develops and administers a revolving medical claims fund (deposit) which allows for cash flow advantage. The TPA system eliminates the issue of premiums but embraces payments for only genuine medical services rendered.
- Flexibility – The subscribing organisation sets the financial, dependents and health care provider limits according to the company’s condition of service. | economics |
https://cryptotiger.info/video/crypto-crash-bitcoin/ | 2023-12-08T15:16:04 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100762.64/warc/CC-MAIN-20231208144732-20231208174732-00174.warc.gz | 0.943634 | 467 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__105976328 | en | In November 2018, the cryptocurrency market witnessed a significant and abrupt downturn, commonly called the “November 2018 Crypto Crash.” This event marked a turbulent period for digital currencies, causing concern and speculation among investors and enthusiasts alike.
Several factors contributed to the downturn. One of the primary catalysts was the contentious hard fork in the Bitcoin Cash (BCH) network, a process in which the blockchain splits into two separate chains. The disagreement between two BCH camps, led by Roger Ver and Craig Wright, resulted in a contentious fork that created Bitcoin Cash ABC and Bitcoin Cash SV. This internal strife and the resulting market uncertainty triggered a lack of confidence among investors, leading to a mass sell-off.
Furthermore, regulatory pressures worldwide played a role in the market slump. Governments and financial institutions in various countries were still grappling with how to regulate and integrate cryptocurrencies into existing financial frameworks. This lack of regulatory clarity created a sense of insecurity within the crypto space, prompting many investors to pull back until a more transparent regulatory path emerged.
Market sentiment also suffered from the overall bearish trend prevailing throughout 2018. The enthusiasm and exuberance seen during the bull market of late 2017 had waned, replaced by a more cautious and skeptical approach from both retail and institutional investors. The absence of a significant positive catalyst exacerbated the prevailing negative sentiment.
As a result of these combined factors, major cryptocurrencies, including Bitcoin, Ethereum, and Ripple, experienced sharp declines in value during November 2018. Bitcoin, which had reached an all-time high of nearly $20,000 in December 2017, dropped below $4,000 during the crash. Altcoins, or alternative cryptocurrencies, also suffered substantial losses.
The November 2018 crypto crash served as a reality check for the crypto community, emphasizing the inherent volatility and uncertainty in the market. However, it also prompted discussions about the maturation of the cryptocurrency space, emphasizing the need for more precise regulations, increased security measures, and improved governance within the industry.
In the aftermath of the crash, the crypto market demonstrated resilience by gradually stabilizing, and discussions around regulatory frameworks gained momentum. This event underscored the importance of a cautious and informed approach to cryptocurrency investments, highlighting the need for a well-defined regulatory landscape to foster long-term stability and confidence in the evolving world of digital assets. | economics |
http://acn51693.free-blogz.com/530127/can-you-make-residual-income-by-signing-up-with-acn | 2018-07-18T12:25:42 | s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676590169.5/warc/CC-MAIN-20180718115544-20180718135544-00270.warc.gz | 0.973599 | 575 | CC-MAIN-2018-30 | webtext-fineweb__CC-MAIN-2018-30__0__237047714 | en | Various other shows premiering tonight consist of the period premieres of "Community," "Parks as well as Recreation" and also "The Workplace" on ABC, "The Mentalist" as well as "The Big Bang Concept" on CBS.
From an organisation standpoint, ACN develops its business around network advertising and marketing. It provides a superb payment plan. Being a straight vendor, you can market anything that the company uses and also you reach gain payment on every successful sale. To boost your chance of ending up being effective, you ought to invest your time discovering the business concept. Once you understand business strategy, the following action is to use it to yourself then train others. From a student, you now come to be a trainer as well as you will certainly be awarded for your work. As the team grows, business also expands, which indicates that every participant of the team gets to gain from their effort. This sets multilevel marketing business various from standard company.
That Is Your Target Market And Exactly How Will You Obtain Profit?
The American Communications Network (ACN Inc.) enables its independent company owner (IBOs) to market all its items and services to customers. ACN Telecommunications does have a large variety of items as well as solutions, from the fundamental necessities to modern living needs. Instances are electricity, internet connectivity, local and cross country telephone solution, residence safety, satellite tv, automation, appeal as well as wellness treatment items, among others. These items as well as services are just what everyone needs. So, marketing these products isn't difficult whatsoever.
If you don't know ways to draw in the chilly market, then don't worry due to the fact that professionals at ACN are available to educate you. This is the elegance of collaborating with ACN Products. You will never ever feel alone. You will be bordered by individuals that will aid, train, as well as encourage you to expand your service. Even if you do not have any company background, your chance of becoming effective ACN in ACN is high. Just make the effort to learn the ins and outs of try this site business. Practice what your upline educates you and also have an open mind and favorable personality. Structure your very own company can be extremely difficult at the start, but you will at some point profit as time goes by. With ACN organisation, it is all regarding hard work, commitment, and determination.
At the end of the day, the quantity of loan you make depends on your difficult job as well as dedication. Just what's good regarding ACN is that you do not have to go with the process all alone. Help is available. So, whether you are new in the NETWORK MARKETING organisation or otherwise, you have a high opportunity of becoming effective in the ACN company. | economics |
http://www.capitalpaving.net/ | 2014-09-02T04:12:42 | s3://commoncrawl/crawl-data/CC-MAIN-2014-35/segments/1409535921550.2/warc/CC-MAIN-20140901014521-00417-ip-10-180-136-8.ec2.internal.warc.gz | 0.950564 | 490 | CC-MAIN-2014-35 | webtext-fineweb__CC-MAIN-2014-35__0__156608725 | en | Welcome to Capital Paving Inc.
Capital Paving Inc. is honoured to be named one of Canada's 50 Best Managed Companies for the fourth year running, achieving the Gold Standard Level in 2013
Capital Paving is a rapidly growing construction company based in Southwestern Ontario. We specialize in asphalt, aggregate and concrete, and are one of the largest players in the infrastructure and road construction business.
Over the past decade, we have experienced explosive growth and have more than quadrupled the size of the jobs we undertake, positioning us to aggressively compete in our market.
We have played a significant role in many large-scale projects, including test tracks at Toyota Manufacturing's Cambridge and Woodstock operations, major improvements to both Highway 7 and 8, municipal contracts, and 400-series highway jobs.
For close to 30 years, Capital Paving has built a solid reputation as one of the region's major asphalt/aggregate contributors, evidenced by our professional achievements. Capital Paving is honored to be named one of Canada's 50 Best Managed Companies (2010, 2011, 2012, and 2013). We are the only company in the province to have won the Ontario Ministry of Transportation's prestigious Paver of the Year Award three times (2000, 2006, 2008). We are also the recipient of numerous other awards for environmental excellence, progressive rehabilitation of lands, property enhancement, and excellence in hot mix asphalt operations.
At the core of our business we strive to be competitive and fair, and conduct ourselves with the highest level of integrity. Our goal is to continue to be the best road-building/aggregate company to work for in the province, and we live by our slogan Quality Construction by Quality People. We do this by investing in the development of new partnerships, the strategic management of our team, and the acquisition of cutting edge technology.
We have been on a steady climb since 1967 when David L. Stephens first launched a new business in St. Catharines, Ontario. By 1982 Mr. Stephens' company had purchased the remaining assets of Capital Paving, and moved the St. Catharines operation to Capital's head office in Puslinch Township. In 1999 Mr. Stephens turned the company over to his son, Geoffrey Stephens, who now acts as President, and runs the day-to-day operation along with brothers-in-law Larry Wilson, P.Eng., and Jim Kelly, P.Eng. | economics |
http://zuberins.com/about.php | 2017-07-26T18:42:10 | s3://commoncrawl/crawl-data/CC-MAIN-2017-30/segments/1500549426372.41/warc/CC-MAIN-20170726182141-20170726202141-00310.warc.gz | 0.955934 | 461 | CC-MAIN-2017-30 | webtext-fineweb__CC-MAIN-2017-30__0__117772708 | en | Founded in 1934, Zuber Insurance Agency has been serving the Houston business community for three generations. J.L. Zuber first created the agency over 80 years ago. Today, his son, Joe Zuber and his grandson, Alan Zuber, operate the company. The Zuber Agency, combined, has over 100 years expertise in insurance. Both Joe and Alan are active in Independent Agents of Texas as well as local civic and charitable organizations.
Zuber Insurance Agency specializes in personalized service. Whether it's commercial, personal, employee benefits or life insurance, Zuber is a leader in the industry with their unique and distinctive plans. In 1987 Zuber Insurance expanded the life insurance area with the addition of Keith Solomon. Keith has taken over as Executive Vice President of the Life & Employee Benefits division. Keith has been with the agency for 24 years and in the insurance business as a licensed agent since 1978. In addition to a degree in Economics from Amherst he has earned the designations of Certified Life Underwriter (CLU), Chartered Financial Consultant (ChFC) and Registered Health Underwriter (RHU). Keith has designed and implemented hundreds of plans over the years, and currently manages benefits for over 80 small to mid-sized companies.
Zuber will work with you on a one-on-one basis to set up strategies tailored to your firm's specific goals. We use carefully selected providers and coordinate an insurance approach for each of our clients.
We'll begin by analyzing your present insurance and benefit arrangements, using the latest computerized techniques to ensure no deficiencies, excesses or inconsistencies.
Through this detailed process, we will determine a cost effective insurance and benefit policy for you and your company.
It shall be the mission of Zuber Insurance Agency, Inc. to operate as a regional, multi-line insurance agency. Within its operating territory, Zuber Insurance will offer the public a wide variety of personal and commercial insurance products as well as insurance related financial services including life, health, financial services and annuity products.
Keith Solomon offers Investments and Advisory Services to residents of Texas as a representative of Lincoln Financial Securities, Member SIPC. Lincoln Financial Securities and their representatives do not offer legal or tax advice. Please see your individual professional regarding your personal circumstances. | economics |
https://graspingsocialmedia.wordpress.com/2014/08/ | 2019-03-26T15:18:41 | s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912205534.99/warc/CC-MAIN-20190326135436-20190326161436-00338.warc.gz | 0.956951 | 823 | CC-MAIN-2019-13 | webtext-fineweb__CC-MAIN-2019-13__0__189099870 | en | One of the major shifts we have seen in the past five years or so is that business models are under serious challenge from mobile technology, the Internet, and especially social media. This rapidly changing business model picture is happening because the way that organizations relate to their customers, their employees, and their stakeholders is changing, and social media is driving and shaping much of this. As a result, executives are on notice regarding the need for an urgent change of focus in organization capabilities and how these can help deliver greater business value.
One such capability is how to deal with unstructured data and information that is now permeating the Internet especially via social media. Not so long ago, we lived in a world that was highly structured and systematized. Data tended to be tightly organised into rows and columns and tables. Analysis was done by interrogating spreadsheets and using various formulas for interpreting performance in various areas. But advances in technology have caused massive amounts of unstructured data to be created on a scale never thought possible just a few years ago. Here are two examples to highlight the point –
(1) Growth in Twitter activity – from Twitter Q2 2014 results:
- Average Monthly Active Users (MAUs) were 271 million as of June 30, 2014, an increase of 24% year-over-year
- Timeline views reached 173 billion for the second quarter of 2014, an increase of 15% year-over-year.
(2) What happens in one minute on the Internet – from Intel September 2013:
- One hundred thousand new tweets
- Six million Facebook views
- More than two million search queries on Google.
The above provides some insight into the massive amount of data that is being generated. But the key point is that it is largely unstructured data. With social media, the main type of data is commentary, text and photos that come in many different forms and languages. It is not information collected in a structured form that is easy to summarise and analyse. Organisations are therefore challenged in how their capabilities need to be re-shaped to make some sense of all the data that is relevant to them. Consumer facing businesses like airlines, banks and retailers have a vital interest in the patterns that are emerging in comments and chats on social media. How are these potentially impacting their brand, their products and competitor moves?
Recent growth in the field of analytics has meant that sensible conclusions and decisions can now be more effectively made from these large volumes of data. This is especially true for the analysis of information emerging from unstructured data from social media. Pattern recognition is a key capability and interestingly the use of some skills outside of the traditional technology fields is starting to emerge.
The issue is not whether these capabilities need to be re-shaped but rather how quickly they will change organizations as we know them. The winners will be those organizations and industries that strongly embrace these capabilities as truly new change initiatives and deliver them accordingly to add value.
For many organizations, this will represent a major challenge. It does require the discipline to take a reality check on future directions and priorities. For instance, a transport business would need to ask about its capability in managing, say, a growing pattern of customer frustration regarding their booking systems. As part of this consideration, it would also need to assess how quickly such a capability can be developed or acquired, and the cost of the investment.
Organizations need to consider four factors:
- Think of the building of new capabilities as a major business change initiative – not just recruiting a few more analysts
- Consider new capabilities in the context of real competitive advantage – not just a systems improvement or upgrade
- Drive the change from the C-suite – new capabilities need the right level of investment and commitment from the most senior levels in the business
- Build new thinking in the business – patterns in social media provide the opportunity for a new agenda for the future
As French author and Nobel Prize winner Andre Gide once said, “One cannot discover new oceans without the courage to lose sight of the shore”. | economics |
https://www.soymeal.org/soy-meal-articles/the-nutritional-value-of-u-s-soybean-meal/ | 2021-02-25T22:16:49 | s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178355937.26/warc/CC-MAIN-20210225211435-20210226001435-00190.warc.gz | 0.906477 | 337 | CC-MAIN-2021-10 | webtext-fineweb__CC-MAIN-2021-10__0__1770957 | en | Decades of sampling and analytical measurement of soybean and soybean meal have documented the nutritional advantages and added value of U.S. soybeans and U.S. soybean meal compared to soybean meals of other origins. U.S. soybean meal provides a “Total Value Package” that is composed of the most valuable nutrients needed in animal diets:
• Superior amino acid profile and amino acid digestibility
• Increased metabolizable energy
• Lower fiber content
• Higher total phosphorus
• Greater uniformity among batches
The unique nutrient profile of U.S. soybean meal has a significant value when compared to soybean meal of other origins. This superior value will produce improved profitability through ration efficiency and lower feeding costs. Intensive animal production is driven by bottom line profits and optimum animal performance and efficiency.
Least Cost Formulation is used to optimize ration cost and animal performance but should utilize accurate nutrient profiles for the various soybean meals of different origin to generate rations which will produce the desired performance. Feeding studies around the world have compared soybean meal from other countries to U.S. soybean meal. Results consistently show a significantly higher nutrient profile resulting in lower feeding costs and better performing animals when the rations contain U.S. soybean meal.
Animal agriculture is facing a technical evolution, addressing best management practices while balancing optimum profitability and minimized environmental impact. U.S. soybean meal, supported by its superior nutritional and quality values, will allow animal production enterprises to achieve these goals.
U.S. soybean producers provide the feed industry with the most consistent and reliable source of soy protein in the world. | economics |
https://www.toyotaofsylacauga.com/buy-vs-lease-which-is-best-for-you/ | 2022-08-17T19:10:54 | s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882573104.24/warc/CC-MAIN-20220817183340-20220817213340-00708.warc.gz | 0.964559 | 511 | CC-MAIN-2022-33 | webtext-fineweb__CC-MAIN-2022-33__0__117650510 | en | Buy Vs. Lease: Which Is Best For You?
Choosing between buying a car and leasing is complicated. Both offer their own incentives and downsides. The purchase of a new car carries the weight of higher monthly payments, but you get to own it, while leasing a vehicle offers lower payments with the ability to drive around in a new expensive car, but your payments will never cease if you continue to lease.
To find out whether you should purchase or lease a car, here are a few pros and cons.
Upsides Of Leasing
If you’d rather swap out a new car every few years, then leasing is perfect for you. Upsides include lower monthly payments, you get to drive around in a late-model vehicle that is covered under the manufacturer’s new-car warranty, the lease could include free oil changes and other maintenance, you get to drive around in a vehicle that might be too costly to purchase outright, and you don’t have to worry about the car’s trade-in value.
Downsides Of Leasing
The downside of leasing are that you will continue to pay monthly payments if you continue to lease, contracts specify that you can only drive a certain amount of miles, which will initiate a mileage penalty if you exceed the mileage requirements, you have to properly maintain the vehicle or you’ll face wear-and-tear charges, and termination fees are costly if you have to end the lease for any reason.
Buying Or Leasing
Here are some major differences between buying and leasing:
Buying: You own the vehicle.
Leasing: You have to return the vehicle after a given time.
Buying: Loan payments are usually higher and can include interest, other finance charges, taxes, and fees.
Leasing: Lease payments are always lower than loan payments.
Buying: You can sell or trade in the vehicle at any time to help pay off the loan balance.
Leasing: Ending the lease early will ensure that you are hit with costly charges.
Buying: The vehicle will depreciate as soon as you leave the lot.
Leasing: The future value of your lease has no impact on you, but you have no equity in the vehicle.
Buying: You can drive the vehicle as often and for as long as you want without any worries.
Leasing: You must pay extra charges if you go over the allotted mileage that the lease states. | economics |
http://seminar.ramah.org.il/tuition-scholarships/ | 2017-06-28T22:38:18 | s3://commoncrawl/crawl-data/CC-MAIN-2017-26/segments/1498128323807.79/warc/CC-MAIN-20170628222452-20170629002452-00018.warc.gz | 0.945388 | 419 | CC-MAIN-2017-26 | webtext-fineweb__CC-MAIN-2017-26__0__18528211 | en | Tuition is listed before scholarship.
|$8,150||land only (without flight).|
|$9,630||including flight from NY area|
|$250||additional cost from Toronto|
|$400||additional cost from Los Angeles|
|$2,970||Poland Seminar (optional addition)|
Tuition includes the entire program: fees and taxes, all room and board, health insurance, and group t-shirt and photo.
NOT included in tuition are: laundry charges (approximately $11 per load), expenditures for personal gifts, costs incurred during the participant’s free time, transportation to and from host families, airline luggage surcharges, and other personal expenditures.
Please note that tuition has been set with consideration of anticipated 2017 prices in fuel, land, and travel costs. If a significant change occurs in costs (especially with regard to airfare), an adjustment of tuition may be made to offer the program without compromising its quality.
Early Registration Discount
If you start your online application and pay the $1,000 deposit by November 1st, 2017, you will receive an early registration discount of $150.
If you also apply for Poland Seminar by November 1st and pay the deposit, you will pay last year’s price ($2,890).
Canada residents receive a $1,000 USD discount-Tuition payment is in USD.
Those who prefer to make their own round-trip flight arrangements to Israel will be billed a total of $8,150, which excludes air travel.
Participants must be ready to participate promptly in the start of our program in Israel on June 28, 2017. Participants will have to make their own arrangements for ground transportation to and from the airports, ticket confirmation, etc. Ramah staff are not responsible for accompanying land only participants to and from the Seminar base.
Participants in the Poland Seminar may not enroll on a land only basis, as we require all participants to travel together on our group flights to Warsaw. | economics |
https://www.eotitle.com/escrow-services | 2024-02-29T15:15:35 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474843.87/warc/CC-MAIN-20240229134901-20240229164901-00705.warc.gz | 0.908405 | 478 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__37620528 | en | WHAT IS ESCROW
In a real property transaction, Escrow is the delivery by the buyer and seller of legal instruments and money to a third person who completes the transaction in strict accordance with the instructions of the parties.
WHY USE ESCROW
Escrows provide a mechanism to assure safety and convenience in carrying out the provisions of an earnest money agreement, and to assure that the rigid body of rules peculiar to real property transfers is carefully observed.
WHO PAYS ESCROW FEES
The escrow fee is usually split between the buyer and seller, but this can be changed by agreement of the parties.
HOW DOES THE SELLER BENEFIT FROM AN ESCROW
The seller is assured that the transaction will be properly and promptly closed. Specially trained personnel will see that every detail of the instructions are carefully followed, and that title will not pass to the buyer until the purchase prices is fully paid, or the seller's provision as to security for unpaid balances is fulfilled. If the seller intends to use part of the purchase price to satisfy liens on the property, the escrow provides an efficient method for paying off the lien holder.
HOW DOES THE BUYER BENEFIT FROM AN ESCROW
The buyer is assured that the transaction will be closed in accordance with buyer's instruction, and that the funds will not be paid to the seller until the transaction is properly completed. If the buyer needs to use the property as security for a loan to pay part of the purchase price, the escrow guarantees the lender that title is exactly as required, and provides a safe method for delivery of loan proceeds or security documents.
WHAT SERVICES DOES AN ESCROW AGENT PERFORM
Prepares the necessary instructions from the buyer and seller
Receives the necessary documents and funds
Pro-rates interest on liens to be assumed
Pro-rates and obtains endorsement of existing fire insurance policies when requested by a lender or a party to the escrow
Clears checks deposited by the purchaser through banking channels
Obtains title insurance for protection of buyer and lender
Closes the transaction when instructions of the buyer and seller can be satisfied by recording legal documents and disbursing funds
Pays liens and costs authorized by parties
Furnishes each party with a closing statement showing disposition of funds in the transaction | economics |
https://www.arabswin.com/en/bitcoin-sports-betting-sites/ | 2024-02-24T16:16:53 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474541.96/warc/CC-MAIN-20240224144416-20240224174416-00504.warc.gz | 0.92826 | 1,695 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__135306654 | en | Bitcoin is a decentralised digital currency that has revolutionised how people make online transactions. It allows for fast, secure, and low-cost transfers without the need for intermediaries like banks. Online sports betting sites have quickly caught on to the benefits of Bitcoin and are increasingly accepting it as a form of payment.
Online Sportsbooks That Accept Bitcoin Payments
Top Sports Betting Sites That Accept Bitcoin as a Payment Method
Below are some betting sites which support Bitcoin as a transaction method.
1xBet, which covers over 60,000 events per month, is a haven for sports fans who want to experience the thrill of betting on their favourite games. Whether you’re a football, basketball, or tennis fan, 1xBet caters to all. Additionally, the betting site offers a range of features like Cashout and Bet Builder to enhance your chances of winning big. But the payment options available are what sets 1xBet apart from the competition. It supports various card payments and e-wallets, including Visa, Mastercard, and Neteller. Even better, 1xBet is one of the bookmakers that accept cryptocurrencies such as Bitcoin.
Betfinal is a bookmaker based in Cyprus that was established in 2013. A decade providing bettors with excellent platform. You’ll have a blast here with multiple bonuses and promotions, live betting, live streaming, and a virtual sportsbook. Not only that but Betfinal covers over 40 sports, including well-known events like basketball as well as obscure ones like Gaelic football. In terms of transactions, Betfinal accepts a couple of banking methods, including ecoPayz, Bitcoin, Visa, and Mastercard, through which you can deposit and withdraw funds at your leisure.
Melbet, which was founded in 2012, is a Curacao-based Bitcoin sports betting site with quite a reputation. Melbet offers a wide variety of sports to bet on such as football and cricket. Melbet accepts bets via desktop or mobile, and they’ve even created a mobile app for bettors on the go. Aside from sports betting, Melbet offers fantastic promotions, such as a 100% welcome bonus up to $200 to keep you going. One option to pay is using Visa or Mastercard. Furthermore, Melbet allows you to make anonymous transactions using cryptocurrencies such as Bitcoin.
Despite being a relatively young betting platform, Betwinner has over 400,000 existing players. How has it amassed such a large following? Well, Betwinner provides a wide range of betting opportunities, with more than 40 diverse markets and numerous live and pre-match events to choose from. Furthermore, Betwinner offers a variety of betting markets, such as Match Winner and Asian Handicap. What’s more, the site provides markets for popular sports such as football, horse racing, greyhound, golf, baseball, ice hockey, cricket, Formula One, and basketball. You can transact using banking methods like Qiwi, Yandex, and Bitcoin.
Advantages of Using Bitcoin for Sports Betting Transactions
It’s no coincidence that numerous betting sites have hopped on board the Bitcoin train. There must be a multitude of benefits that come with integrating this cryptocurrency into their platforms. Now, let’s delve into a few of those advantages.
- Faster Transactions: Most payment methods usually take days to process a transaction. Meanwhile, Bitcoin takes mere minutes to process the withdrawal so it is a great option.
- It is Decentralised: Bitcoin is not run or associated with any financial institution, bank or governments. You can therefore transact freely without worrying about what will happen to your money even in the case of an economic crash.
- Security: Bitcoin doesn’t require you to share your personal information, preventing fraud and identity theft. Additionally, there’s no need to worry about chargebacks, as once a transaction is documented, it’s set in stone and can’t be modified or undone.
- Little or No Transaction Fees: When transacting via Bitcoin, you won’t encounter additional transactional fees simply because there are no intermediaries. The only fee you’ll find is when converting Bitcoin into fiat currencies.
Comparison of Bitcoin With Other Payment Methods Used in Sports Betting
Thanks to its unique features, Bitcoin has emerged as a popular payment method in the sports betting industry. The big question remains how it stacks up against the competition?
Bitcoin transactions are usually processed within roughly 30 minutes, which is way faster than most payment methods. Take e-wallets, for example; when withdrawing from betting sites, you’ll have to wait 1 to 3 days for the payment to reflect. Card payments take even longer and you may wait 7 days to get payment to your account.
Most sports betting payment methods, particularly e-wallets like Neteller, can charge high transaction fees for international transfers. On the other hand, Bitcoin transactions typically have much lower fees, primarily associated with conversion to fiat currencies.
In addition, Bitcoin has better anonymity than other payment methods especially traditional ones. you will share your personal information if you use card payment or e-wallets but with Bitcoin transactions you will only need your address so all in all you will have better privacy and security.
How to Set Up a Bitcoin Account for Sports Betting
As we’ve seen above, there are numerous perks to transacting with Bitcoin. However, before using Bitcoin sports betting sites, you must set up a Bitcoin account. In the guide below, we’ll walk you through the steps to create a Bitcoin account and start using it for sports betting.
- Pick a trustworthy wallet provider : You need to make sure you are using a decent Bitcoin wallet providers so you don’t fall to any scams. Some popular options include Coinbase, Blockchain.com, and Trezor.
- Create an account: Pick a Bitcoin provider then register an account. This usually involves providing some information and verifying your identity.
- Add Bitcoin to your wallet: The Bitcoin you bought from an exchange or from someone you can easily add it to the account your created.
How to Use Bitcoin in Sports Betting Sites
Now that you’ve set up a Bitcoin account, all that’s left is using the crypto for sports betting. Here’s how you do it.
- Choose a Bitcoin sports betting site: Not all betting sites accept Bitcoin, so you’ll need to pick one that does.
- Sign up: So you have decided on a sports betting site that accepts Bitcoin? Excellent now comes the part where you need to sign up and it is just as easy as any other website you registered to by simply entering the required details.
- Navigate to the deposit section: After you have created an account with the sports betting site, navigate to the deposit page.
- Choose Bitcoin and enter an amount:On the deposit page pick the Bitcoin option as your deposit method and enter the amount of Bitcoin you want to deposit.
- Copy the sports betting site’s Bitcoin address: On the deposit page, you will be provided with a unique Bitcoin address for the sports betting site, which you’ll need to copy.
Sending The Bitcoin: the sports betting site will provide you with an address just send the Bitcoin you have to that address and you should be done.
- Wait for confirmation: Bitcoin transactions take a couple of minutes so wait for confirmation before placing your bets.
FAQs About Using Bitcoin in Sports Betting
Since Bitcoin sports betting transactions are a relatively new concept, various questions have been raised concerning it. Below, we’ve covered some of the most common ones and their answers.
Yes, it is. Bitcoin doesn’t usually require you to share your personal information; thus, fraud and identity theft cases are rare. Additionally, there’s no need to worry about chargebacks, as once a transaction is documented, third parties cannot alter it.
You can get Bitcoin from mining which is time consuming or you can buy it from a cryptocurrency exchange or finally get it as a payment from a service you do to someone else.
Using Bitcoin for sports betting has several advantages, including faster transactions, lower fees and greater privacy and security. | economics |
https://phaedrus-audio.com/how2buy.htm | 2023-09-26T23:31:05 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510225.44/warc/CC-MAIN-20230926211344-20230927001344-00480.warc.gz | 0.863045 | 261 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__179290853 | en | How to buy....
For details of how to buy Phædrus Audio products where you are, please contact
or call us on +44 203 289 1647.
We accept payments by PayPal and will ship worldwide. Please contact firstname.lastname@example.org.
International buyers, please note:
- Import duties, taxes and charges are not included in the item price; neither are P&P charges: these charges are the buyer’s responsibility.
- Customers in the EC will be charged VAT
- Please check with your country’s customs office to determine what these additional costs will be prior to buying.
- These charges are normally collected by the delivering freight (courier) company or when you pick the item up..... Do not confuse them for additional P&P charges.
- We do not mark merchandise values below value or mark items as 'gifts' - international government regulations prohibit such behaviour.
Phædrus audio Terms and Conditions are here.
Back to home page
Address all mail to email@example.com
Maidstone . Kent . UK .
© Phædrus Audio 2016. All rights reserved. | economics |
https://www.greenlightautowholesale.com/used-car-warranty-service-contracts-Daly-City-CA | 2023-06-05T16:14:16 | s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224652149.61/warc/CC-MAIN-20230605153700-20230605183700-00016.warc.gz | 0.95174 | 334 | CC-MAIN-2023-23 | webtext-fineweb__CC-MAIN-2023-23__0__57701906 | en | COMPLETE NEW CAR WARRANTY
We only offer complete new car coverage, which is the closest plan to the manufacturer’s full factory warranty. We offer this plan at a low cost to ensure significant value and peace of mind.
VEHICLE SERVICE CONTRACTS
Generally, dealers offer vehicle service agreements (VSA) to maximize profits by selling the cheapest coverage with the largest profit margin. That’s why the public consensus is to steer clear from VSAs when buying a car from a dealership. But we’re no ordinary dealership. When we signed up with our VSA partner, we looked for a trusted company that offered the closest coverage to the manufacturer’s factory warranty (including EV & hybrid components). Most dealers shy away from offering such plans as their costs are higher, resulting in lower profits. However, profit maximization was not our focus when we chose our VSA partner.
Points to consider...if the vehicle you’re purchasing is still under the manufacturer’s warranty, the VSA cost is dramatically lower. Coupled with the fact that we price all plans below retail, it's usually a good buy. Our goal for our clients is to appreciate the value of the VSA down the road, not a regrettable decision.
Average price for a 5-year/50k additional full warranty is roughly $1,635. However, prices are VIN-specific and can be customized for low or high-mileage drivers. Please contact us for a customized quote.
Keep in mind, we only sell service contracts we’d buy for our own cars. | economics |
https://accessrebates.ca/yukon/yukon-investment-property-rebate/ | 2024-04-13T15:35:16 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816820.63/warc/CC-MAIN-20240413144933-20240413174933-00435.warc.gz | 0.930783 | 491 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__30750765 | en | If you have purchased a newly built home, townhome, or condominium within the last 2 years with the intention of renting out the property, and it has a fair market value of $450,000 or less, then you are entitled to the tax-free Investment Property Rebate of up to $6,300 from the Government.
What type of properties is eligible for the Investment Property Rebate in Yukon, Canada?
In order to qualify for the Investment Property Rebate you must have purchased a New (never been lived in before):
Purchases of Multi-unit Investment properties do not qualify. These include duplexes, triplexes, and apartment buildings.
How long do I have to apply for the Investment Property Rebate in Yukon, Canada?
An Investor has 2 years from the date of closing to apply for the Investment Property Rebate. After this time the Investment Property Rebate is no longer claimable.
Do I need to live in Yukon, Canada in order to apply for the Investment Property Rebate?
An Investor does not have to reside in Canada in order to apply for the Investment Property Rebate. If you have brought a new investment property you are entitled to receive the Investment Property Rebate no matter where you live in the world.
What happens if I purchased the property in Yukon, Canada to flip it?
What happens if I bought the property to live in Yukon, Canada, but I am renting it now instead?
It is very common to change your mind on the use of a property after it is purchased. As life changes, what we originally intended does not always happen. If you purchased a property with the intention of living in it, the builder can apply for an Investment Property Rebate on your behalf. This reduces the price of the home to the purchaser and the taxes owed to the Government by the builder.
In most cases, the home purchaser has no idea this has happened. If you then decide to rent the home instead of living in it, the Investor (homeowner) will more than likely receive a tax bill from CRA for the Investment Property Rebate applied to the new home purchase.
The Investor will then need to apply for an Investment Property Rebate which offsets the bill from CRA. Again, this must be done within 2 years of purchasing the investment property or the Investment Property Rebate will no longer be claimable. | economics |
http://www.nickyh.co.nz/next-door-sold-for-1-million-why-cant-i-sell-my-home-for-the-same-price/ | 2018-03-22T23:00:49 | s3://commoncrawl/crawl-data/CC-MAIN-2018-13/segments/1521257648103.60/warc/CC-MAIN-20180322225408-20180323005408-00461.warc.gz | 0.940196 | 456 | CC-MAIN-2018-13 | webtext-fineweb__CC-MAIN-2018-13__0__36194667 | en | This is a good question and one that I hear often. So, in this post, I explain why properties, although similar, often sell for different prices.
How are properties different?
Every home is unique — some feature ocean views, others are newly renovated; some boast an extra bathroom or bedroom; others get more sun. It is this uniqueness that attracts buyers and influences the price. So, you just can’t assume the value of your neighbour’s house is the same as yours.
Some factors that influence price:
- Location — this includes the proximity of your home to public transport, schools, or shops.
- Layout & size — some people value large homes; others just see them as harder to maintain. Also, open-plan is often popular because it creates an atmosphere of space.
- Condition & age — well-looked-after historic homes or new homes often command higher prices. And, if your property is in tip-top condition, buyers may spend more because they won’t have to fork out for expensive renovations.
- Improvements — Additions to your home are a good thing. However, the value of an ‘over improved’ home will diminish if it doesn’t fit in with other homes on the street.
- Unfavourable events — events such as a fire, amphetamine contamination or violent crime can devastate the value of a home.
In residential property, no two homes, timings, or values are the same.
There is also timing
Like commodity prices, the property market moves up and down over time. And, many factors influence it, both locally and internationally.
An overseas example is the emergence of the Chinese buyer in New Zealand. For a few years, there appeared to be a never-ending supply of investors and money from China. Now, we see a time when it is not so easy for the Chinese to export their money.
Zoning is a local example. The implementation of the Auckland Unitary Plan has altered the value of some properties for the better, and in some cases for the worse.
So, you see, in residential property, no two homes, timings, or values are the same. | economics |
https://www.katarzynki.pl/en/news/THE-FIRST-DIAMOND-POLYMER-PROSPERITY | 2023-09-28T20:57:05 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510454.60/warc/CC-MAIN-20230928194838-20230928224838-00536.warc.gz | 0.947423 | 244 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__19066355 | en | It is our pleasure to share with you the news about another distinction for our Company on the market of plastic products. Mrs. Halina Błażejewicz has been declared on March 26th, 2015, the award winner of the First Diamond to the Crystal Statuette POLYMER PROSPERITY. The Statuette POLYMER PROSPERITY is the Prize for the Best Plastics Processing Plants in Poland. It was a great distinction for our Firm to be awarded both this Statuette and then the Diamond to this Statuette. The Diamond, received now additionally, increases our motivation to continue our activity and to keep on developing our Firm. We are honoured to be distinguished with this prize award, reserved for the companies holding high positions on the market, showing effectiveness in financial management, business reliability and trustworthiness. At the same time, we do not forget that we owe to the great number of our Customers and Partners our ability to efficiently act and to strengthen together with you our position upon the market of plastic processing.
We thank all our business partners for the past and present cooperation. We hope very
much that we will together promote the plastics market in our country. | economics |
http://sameday.plc.uk/index.asp | 2021-12-05T08:52:24 | s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363149.85/warc/CC-MAIN-20211205065810-20211205095810-00569.warc.gz | 0.959619 | 156 | CC-MAIN-2021-49 | webtext-fineweb__CC-MAIN-2021-49__0__75037548 | en | Sameday plc now have an enviable reputation for being the logistics specialist of choice for people who need a solution for their own particular logistics problem.
It is true that Sameday plc will happily move a package from, say, Birmingham to London on the same day and do it effectively. Where we really come into our own is where your organisation is faced with a more problematic and complicated logistics scenario that requires a unique solution. The required solution is likely to be beyond the capability of most standard operators.
Not only are we expert in providing a solution, but we will do so at a highly competitive price and to the highest level of service which we have consistently maintained since we first started the Company in 1991 – and we measure and monitor our service level continually. | economics |
https://technetworkissue.com/pixel-6-price/ | 2024-04-19T06:14:41 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817289.27/warc/CC-MAIN-20240419043820-20240419073820-00863.warc.gz | 0.937614 | 603 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__166693460 | en | The Pixel 6, Google’s latest flagship smartphone, has been making waves in the tech world since its release. One of the most talked-about aspects of this device is its price. Priced competitively compared to other flagship smartphones on the market, the Pixel 6 price offers consumers a powerful device at a more accessible price point. In this article, we’ll delve into the Pixel 6’s pricing strategy, its impact on the smartphone market, and what it means for consumers.
Google made a bold move by pricing the Pixel 6 lower than its competitors. With a starting price that is notably lower than other flagship smartphones such as the iPhone 13 and Samsung Galaxy S21, the Pixel 6 price offers a compelling value proposition. By offering high-end features at a more affordable price, Google is aiming to attract a broader range of consumers who may have been hesitant to invest in a flagship device in the past.
Despite its competitive price, the Pixel 6 doesn’t skimp on features. It boasts a range of impressive specifications, including a powerful processor, a stunning display, and an advanced camera system. The device also comes with the latest version of Android, ensuring users have access to the latest software features and updates.
OneThe Pixel 6’s camera setup is one of its best features. Equipped with a dual-lens setup, including a wide and ultra-wide lens, the Pixel 6 delivers stunning photos and videos in any lighting condition. Google’s advanced image processing algorithms further enhance the quality of photos, making the Pixel 6 a top choice for photography enthusiasts.
The Pixel 6’s competitive pricing has had a significant impact on the smartphone market. By offering a high-quality device at a lower price point, Google has disrupted the traditional pricing model in the industry. Other smartphone manufacturers may be forced to reevaluate their pricing strategies in order to remain competitive.
Additionally, the Pixel 6’s competitive pricing has helped Google gain market share in the smartphone industry. By offering a compelling alternative to other flagship devices, Google has attracted a broader audience of consumers who may have previously overlooked the Pixel lineup.
The Pixel 6’s competitive pricing has been met with enthusiasm from consumers. Many tech enthusiasts and budget-conscious consumers alike have praised Google for offering a high-quality device at a more affordable price. The Pixel 6 has quickly gained a loyal following of users who appreciate its combination of performance, features, and value.
In conclusion, the Pixel 6’s pricing is a game-changer in the smartphone market. By offering a high-quality device at a more accessible price point, Google has disrupted the traditional pricing model in the industry and gained market share in the process. With its impressive features and competitive pricing, the Pixel 6 price is a top choice for consumers looking for a flagship smartphone without breaking the bank. | economics |
https://www.sitnsleep.com/blogs/blog/how-to-save-money-buying-a-mattress | 2024-02-26T20:22:09 | s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474663.47/warc/CC-MAIN-20240226194006-20240226224006-00553.warc.gz | 0.90028 | 457 | CC-MAIN-2024-10 | webtext-fineweb__CC-MAIN-2024-10__0__196510102 | en | How to Save Money Buying a Mattress at Sit ’n Sleep
Purchasing a new mattress is a big investment; luckily, there are many great money saving solutions to help you purchase the perfect mattress at an affordable price. Here are some great ways you can save money on your next mattress purchase at Sit ‘n Sleep.
Join The Club
Look for a mattress retailer that offers membership discounts. Sit ‘n Sleep’s VIP club members save $100 on any purchase of $999 or more. Join for free to instantly receive your $100 coupon to use towards your next mattress purchase.
When you’re buying a new mattress, don’t forget to ask about shipping fees. The cost to ship a mattress varies by product’s dimensions, weight and length of transport, and those costs can add up quickly. Sit ‘n Sleep helps customers save even more by benefiting from our free ground shipping. That’s more money you use toward a new bed frame, pillows, and other accessories to complete your purchase.
If you’re in the market for a new mattress, don’t forget to ask about special offers and clearance items. Sit ‘n Sleep always has amazing hot deals on select mattresses year-round. Our deals change frequently, so if you don’t find what you’re looking for on sale today, check back again tomorrow for instant savings.
Can’t pay the full ticket price up-front? Some mattress stores offer financing options that work with almost any budget. Sit ‘n Sleep’s 90 day deferred payment plan lets you pay off the balance of your purchase over the course of three months. A down payment of 25% is required at the time of purchase and no credit check is necessary.
Save Money Buying A Mattress at Sit ‘n Sleep
Don’t spend another night tossing and turning. Head to Sit ‘n Sleep today to save on the perfect mattress for a great night’s sleep. We’re dedicated to providing you with the restful night’s sleep you need. Not only do we keep your comfort in mind, but your budget, too. | economics |
http://www.american1040.com/accounting1.html | 2018-05-26T03:51:47 | s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794867309.73/warc/CC-MAIN-20180526033945-20180526053945-00150.warc.gz | 0.946388 | 201 | CC-MAIN-2018-22 | webtext-fineweb__CC-MAIN-2018-22__0__111000697 | en | Business Specific Services
Services of interest to business owners and senior management are provided by expert staff specializing in accounting and bookkeeping functions. Save time and grief. Our process usually has our people completing your books in one quarter the amount of time it takes a staff member not dedicated exclusively to the function.
- Accounting and Payroll: Basic Services every business requires for tax and legal compliance.
- Entity Formation: Thinking of establishing a legal entity to reduce liability in your small business? We can help!
- Coaching: Need a visionary accountability partner to help you make the most out of your personal life goals and enterprise? Personal and Executive Coaching available to a limited number of clients.
- Business Rescue: Feeling like you've put your heart into your business and the rewards aren't coming? When everything seems to be falling down around you and nothing you do seems to reverse the course your business is on we're here to assess and provide sound advice and strategies on recovery, realignment and exit. | economics |
https://columbusflooringcity.com/engineered-wood-flooring-cost/ | 2024-04-22T14:11:39 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818293.64/warc/CC-MAIN-20240422113340-20240422143340-00211.warc.gz | 0.933225 | 2,968 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__180511264 | en | When it comes to enhancing the aesthetics and functionality of your home or space, engineered wood flooring is an excellent choice. Its blend of natural beauty, durability, and affordability has made it a popular flooring option for many homeowners. However, before diving into your flooring project, it’s essential to understand the cost considerations associated with engineered wood flooring. In this comprehensive guide, we will explore the factors that influence the cost of engineered hardwood flooring materials, including wood quality, species, thickness, finish, and installation complexity.
Additionally, we will compare the cost of engineered wood flooring with other popular flooring options, such as solid hardwood, laminate, vinyl, and tile. By the end, you’ll have a clearer understanding of how much-engineered wood flooring costs and be equipped with the knowledge to make an informed decision for your flooring project.
Upgrade your home with Columbus Flooring City: Find the perfect flooring solution that aligns with your unique style and budget, with a wide range of options including eco-friendly and modern engineered wood.
Understanding Engineered Wood Flooring:
First things first, let’s clarify what engineered wood flooring is all about. Engineered wood is a popular alternative to solid hardwood flooring. It consists of multiple layers of real wood veneer bonded together, with a supportive core made of plywood or high-density fiberboard (HDF). This construction provides enhanced stability and resistance to moisture, making it suitable for a variety of spaces, including areas prone to humidity fluctuations, like kitchens and basements.
Factors Affecting the Cost of Engineered Wood Flooring
Now that we know the basics, let’s delve into the factors that influence engineered wood flooring cost. Understanding these factors will help you make informed decisions and find the perfect balance between cost and quality:
Quality and Grade of the Wood:
The quality and grade of the wood veneer used in engineered flooring significantly impact the cost. Engineered wood flooring is available in various grades, such as select, rustic, or prime. Higher-quality veneers derived from premium wood species like oak, walnut, or hickory will generally be more expensive than lower-grade alternatives. Select grades feature fewer knots and blemishes, offering a more uniform and refined appearance, while rustic grades embrace the natural characteristics and imperfections, providing a more authentic and rustic charm.
Type of Wood Species Used:
Different wood species come with varying price tags due to their availability, demand, and unique characteristics. Common choices like oak and maple are usually more affordable, making them popular options for those on a tighter budget. However, if you desire a more luxurious and exclusive look, exotic woods such as teak, Brazilian cherry, or mahogany can be pricier due to their rarity, durability, and striking grain patterns.
Thickness and Construction of the Engineered Wood:
Engineered wood flooring thicknesses typically range from 3/8″ to 3/4″. Thicker planks tend to be costlier due to the larger amount of real wood veneer used in their construction. They offer enhanced durability and longevity, as they can withstand more wear and tear over time. Thicker engineered wood flooring also provides better sound insulation and can often be sanded and refinished multiple times, extending its lifespan.
Finish and Surface Treatments:
The type of finish and surface treatments applied to the engineered wood flooring can affect both the price and the overall look of the floor. Engineered wood flooring comes in various finishes, including smooth, hand-scraped, wire-brushed, or distressed. Smooth finishes, which offer a sleek and uniform appearance, are usually more affordable. On the other hand, finishes that create a distressed or aged look, like hand-scraped or wire-brushed, require additional labor and craftsmanship, making them slightly pricier.
Installation Method and Complexity:
The installation method and the complexity of your project can impact the engineered wood flooring cost. Professional installation is recommended for a flawless finish, ensuring proper subfloor preparation, acclimation, and precise installation techniques. The complexity of the installation, such as intricate patterns, herringbone designs, or custom borders, may incur additional charges due to the increased time and expertise required. Also, the engineered wood floor installation cost depends on the method you choose.
Additional Features or Customization Options:
Special features and customization options can add to the cost of engineered hardwood flooring materials. Beveled edges, for instance, create a distinct look by highlighting the individual planks, but they may come at a premium compared to standard square edges. Wider plank widths, such as 7″ or 9″, can provide a more expansive and luxurious feel but can be pricier due to the higher material costs. Unique installation patterns like chevron or basket weave can add complexity and may require skilled installers. Customization options such as staining or wire brushing to achieve specific colors or textures may also come with an extra price.
Discover unmatched elegance by visiting Columbus Flooring City, where you’ll find a vast selection of flooring materials, from stunning hardwood to durable ceramic tiles, all designed to add timeless elegance to your living spaces.
Exploring the Price Range of Engineer Wood:
Let’s delve into the price range you can expect when shopping for engineered wood flooring. It’s important to note that the engineered wood flooring cost can vary significantly based on factors such as wood species, quality, thickness, finish, and regional factors.
From $5 to $15 or more, the cost per square foot or square meter of engineered wood flooring depends on what and how much you are purchasing. However, it’s difficult to have a general estimate of cost when there are several variables influencing the final price.
Wood Species and Quality:
As we discussed earlier, the type of wood species used in engineered wood flooring can affect the cost. Common wood species like oak and maple are typically more affordable, while exotic woods such as teak or Brazilian cherry can be pricier due to their rarity and unique aesthetics. Additionally, higher-quality wood veneers and grades will generally come at a higher price point.
Thickness and Construction:
Thicker planks of engineered wood flooring tend to be costlier due to the larger amount of real wood veneer used in their construction. Thicker flooring options offer enhanced durability and longevity. However, thinner options can still provide a beautiful and reliable flooring solution at a lower cost.
Finish and Surface Treatments:
The type of finish and surface treatments applied to the engineered wood flooring can impact the price. Standard smooth finishes are usually more affordable, while specialty finishes like hand-scraped or distressed can add to the cost due to the additional labor and craftsmanship involved.
Regional Differences and Market Trends:
It’s essential to consider regional differences and market trends when determining the cost of engineered wood flooring. The availability of certain wood species and the costs associated with transportation or importation can vary across different regions. Additionally, market trends and supply and demand dynamics can influence pricing. For example, if a particular wood species is currently in high demand, it may drive up the cost.
To get an accurate understanding of the price range in your specific location, it’s recommended to consult with local flooring suppliers and professionals. They can provide you with detailed quotes based on your requirements and help you navigate any regional cost variations.
Columbus Flooring City empowers you to unleash your creativity and personalize your living spaces with our extensive range of flooring choices, allowing you to express your unique style and bring your design visions to life.
Cost Comparison with Other Flooring Options:
Engineered hardwood flooring prices are based on the location where you live. To help you make the right decision based on your budget and preferences, let’s compare engineered wood flooring costs with other popular flooring options:
Solid Hardwood Flooring:
Solid hardwood flooring offers its own charm, durability, and timeless appeal. However, it tends to be more expensive than engineered wood flooring. It is estimated that the cost of solid hardwood flooring is $8 to $20 or more per square foot, as opposed to engineered wood flooring. This price depends on the wood species, grade, and finish. It’s important to note that higher-end hardwood options and rare wood species can significantly increase the price.
Laminate flooring is a budget-friendly alternative that replicates the appearance of wood. It consists of a composite material with a printed image of wood grain on the surface. Laminate flooring generally falls within a lower price range, making it an attractive option for cost-conscious homeowners. The cost of laminate flooring typically ranges from $2 to $8.
Vinyl flooring offers a wide range of styles, including wood look-alikes, stone patterns, and more. It is known for its affordability, durability, and ease of maintenance. Vinyl flooring is often more budget-friendly compared to engineered wood flooring. Ranges from $2 to $10 per square foot, the cost of vinyl flooring depends on a variety of factors such as quality, thickness, and design. Luxury vinyl options with enhanced features may fall on the higher end of the price range.
Tile flooring, especially ceramic or porcelain, is renowned for its durability and versatility. It is an excellent choice for high-moisture areas such as kitchens and bathrooms. The cost of tile flooring varies depending on the type of tile chosen, design intricacy, and installation complexity. Tiles generally cost between $3 and $10 per square foot. Natural stone tiles, such as marble or travertine, can be pricier due to their unique aesthetics and higher material costs.
When comparing the cost of flooring options, it’s important to consider factors beyond just the initial price. Durability, maintenance requirements, lifespan, and aesthetic preferences should also be taken into account. While engineered wood flooring may have a higher upfront cost compared to laminate or vinyl, it offers the beauty and warmth of real wood while providing better durability and the option for refinishing in the future.
Transform Your Space with Columbus Flooring City. Explore our exquisite collection of hardwood, laminate, and luxury vinyl flooring options to elevate the beauty and functionality of your home.
Cost Comparison Table
Ultimately, the choice of flooring should align with your budget, style preferences, and the specific needs of the space. By considering the cost and characteristics of different flooring options, you can make an informed decision that meets both your financial considerations and desired aesthetic appeal.
|Price Range (per square foot)
|Engineered Wood Flooring
|$5 – $15+
|Solid Hardwood Flooring
|$8 – $20+
|$2 – $8
|$2 – $7
|Tile Flooring (Ceramic or Porcelain)
|$3 – $10
Tips for Budgeting and Cost Savings
There are always some other factors that impact engineered hardwood floor installation cost. Now that we have an idea of the costs involved, here are some tips to help you budget effectively and potentially save some money:
Set a Realistic Budget:
Determine your budget early on and stick to it. Consider not only the cost of materials but also the expenses associated with installation, underlayment, and any additional materials required.
Consider Long-Term Durability and Maintenance Costs:
Keep in mind that investing in higher-quality engineered wood flooring may save you money in the long run. Durable flooring options may require less frequent replacement or maintenance, reducing overall costs.
Explore Different Suppliers and Get Multiple Quotes:
Shop around and compare prices from various suppliers. Getting multiple quotes will help you identify the best deals and potentially negotiate for better prices or additional services.
Evaluate Overall Value:
Rather than solely focusing on the price, evaluate the overall value of the flooring option. Consider factors like durability, warranty, aesthetics, and suitability for your space. Sometimes paying a bit more upfront can lead to long-term satisfaction.
Frequently Asked Questions:
- How much does it cost to install 1000 square feet of engineered wood floors?
The cost of installing 1000 square feet of engineered wood floors can vary depending on factors such as the quality of the materials and labor costs. On average, you can expect to pay around $8,000 to $12,000 for installation.
- What are the disadvantages of engineered wood flooring?
Some disadvantages of engineered wood flooring include its susceptibility to moisture damage, limited refinishing options, and a shorter lifespan compared to solid hardwood. It may also be more prone to scratches and dents.
- How much does it cost to install 2000 square feet of engineered hardwood floors?
The cost of installing 2000 square feet of engineered hardwood floors can vary based on factors such as the type of wood, installation method, and region. On average, you can expect to pay between $16,000 and $24,000 for installation.
- Is engineered flooring expensive?
Engineered flooring can be more affordable compared to solid hardwood flooring. However, the cost of engineered flooring varies depending on factors such as the quality of the materials and the complexity of the installation. Generally, it is considered a cost-effective alternative to solid hardwood flooring.
Understanding the cost factors of engineered wood flooring is essential before embarking on your flooring journey. By considering factors like wood quality, type of wood species, thickness, finish, installation complexity, advantages and disadvantages of engineered wood flooring, and additional features, you can make an informed decision that aligns with your budget and style preferences. Remember to compare prices, evaluate the overall value, and plan your budget wisely. With the right knowledge and careful consideration, you can find the perfect engineered wood flooring that adds beauty and functionality to your space for years to come. | economics |
https://thepropertyguide.co.za/ | 2022-07-06T06:43:29 | s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104668059.88/warc/CC-MAIN-20220706060502-20220706090502-00206.warc.gz | 0.953246 | 400 | CC-MAIN-2022-27 | webtext-fineweb__CC-MAIN-2022-27__0__146515028 | en | SA's ultimate property guide.
270 pages of sound, unbiased advice, covering 140 essential topics on first-time renting, buying, selling and investing in residential property.
THE PROPERTY GUIDE, brought to you by Private Property, is designed to explain the ins and outs of property.
We all want security in the form of a home or investments (or both) however few of us are taught how to achieve this. Private Property’s THE PROPERTY GUIDE aims to equip South Africans with knowledge so that they may feel empowered on their property journey.
Get answers to your biggest property questions.
How much should I be earning before I consider buying a property?
If you earn R0 – R22 000 pm you can apply for government financial aid to own a home.
Is property ownership worthwhile in the current economic climate?
We weigh-up the pros and cons of owning vs. renting and answer FAQ’s for first-time tenants.
Do I have the right skills and business experience to become an investor?
This guide will familiarise you with CGT, your ROI, the effect of gearing on your investment and more.
Real estate investing, even on a small scale, remains a tried and true means of building an individual’s cash flow and wealth.
– Robert Kiyosaki
Make the right decisions at the right time.
Too many people run into financial difficulty and have to live with disappointments after making hasty decisions with their property transaction. We cover the most important facts as comprehensively as possible, while keeping it simple, user-friendly and easy to read.
Avoid the overwhelm by having an understanding of the process
Buying or selling a home as well as moving, can be one of the most stressful experiences in your life as it is probably one of the most important investments you will make. Know your rights and obligations so that you can take control of the whole process. | economics |
https://www.zoellner.de/en/company/about-us/facts-and-figures | 2024-04-18T02:16:21 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817184.35/warc/CC-MAIN-20240417235906-20240418025906-00380.warc.gz | 0.966643 | 194 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__188926659 | en | The ZÖLLNER company was built up by the Zöllner family in 1946, bought by Mr. Walter Murmann in 1980 and is now run in the third generation by Dr. Philipp Murmann. In addition to the traditional business of acoustic signalling systems for ships and locomotives, ZÖLLNER developed the segment of automatic visual and audible warning systems for track worksites in the 1990s. In the 2000s, the portfolio was again expanded to include the railway infrastructure sector.
Through our innovative spirit and drive for growth, we have been able to establish subsidiaries in the UK, France, Spain, Poland and Australia in recent years and to take over the succession of companies in the UK, Bremerhaven and Büdelsdorf, which help us to continuously expand our growth around the topic of safety in various applications.
We have been working in partnership with our sales subsidiaries and representatives worldwide for many years. | economics |
http://winstontrailseastcdd.org/financials/ | 2018-05-21T00:49:19 | s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794863901.24/warc/CC-MAIN-20180521004325-20180521024325-00282.warc.gz | 0.82487 | 183 | CC-MAIN-2018-22 | webtext-fineweb__CC-MAIN-2018-22__0__82659621 | en | The District’s budget, linked below, contains the assessment to be levied against each property, broken down into operation and maintenance (O&M) and debt. Prior to September of each year, the District Board adopts a budget for the following fiscal year, which runs from October 1st through September 30th.
- WTE Final Budget 2018-2019
- WTE Proposed Budget 2018-2019
- WTE Amended Final Budget 2016-2017
- WTE Final Budget 2017-2018
- WTE Proposed Budget 2017-2018
- WTE Final Budget 2016-2017
- WTE Proposed Budget 2016-2017
- 2016 FINAL REPORT – WINSTON TRAILS (EAST) CDD
- 2015 FINAL REPORT – WINSTON TRAILS (EAST) CDD
- WTE 2014 FINAL REPORT
Click here for previous years’ financials. | economics |
https://www.lakewood-center.org/pages/news-item?r=L06E38482G&send_to=%2Fpages%2Flakewood-news-artbeat | 2022-08-14T08:37:50 | s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882572021.17/warc/CC-MAIN-20220814083156-20220814113156-00256.warc.gz | 0.938052 | 243 | CC-MAIN-2022-33 | webtext-fineweb__CC-MAIN-2022-33__0__117176965 | en | IRS tax tip for Year-End Giving
The 2020 Cares Act extends enhanced benefits to charitable contributions in 2021.
New Charitable Giving Incentives Help Donors to Give More in 2021
Donors are incentivized to give more to nonprofit organizations through important tax incentives available through December 31, 2021! The universal charitable deduction, available to the growing number of taxpayers who do not itemize their returns, was created under the 2020 CARES Act, and was extended through 2021 and expanded so that single filers may deduct up to $300, and joint filers will be eligible for a $600 deduction for cash contributions. Also for the calendar year 2021, taxpayers who itemize their returns will see the limit on the total percentage of Adjusted Gross Income (AGI) eligible for the charitable deduction lifted to 100%, and the limit on corporate contributions has been raised to 25%.
An IRS Tax Tip issued on September 28 spells out how these giving incentives work and can be a very helpful resource for donors that may be unaware of these important incentives to give more. TCG’s charitable giving advocacy campaign calls on Congress to enact policies to permanently strengthen charitable giving incentives. | economics |
https://www.britanniapandi.com/about/company-profile/ | 2017-09-23T14:41:00 | s3://commoncrawl/crawl-data/CC-MAIN-2017-39/segments/1505818689686.40/warc/CC-MAIN-20170923141947-20170923161947-00537.warc.gz | 0.961371 | 502 | CC-MAIN-2017-39 | webtext-fineweb__CC-MAIN-2017-39__0__148378713 | en | In business since 1855, Britannia was the first P&I Club in the market and remains a leader in the International Group of P&I Clubs. We have consistently held our prominent position by focussing on providing an exceptional standard of service to the highest quality Members, based on the essential values and principles of mutuality combined with commercial strength.
Britannia remains committed to mutuality as the best way to provide its services for the benefit of its Members. We focus on our core business of P&I and FD&D insurance, providing professional management services without answering to shareholders. We work closely with our Members so that we understand their businesses. We’re big enough to be able to focus on the quality and compatibility of our Members, rather than growth. We provide service of the highest standard to markets that we know well. This is reflected in the longevity and ongoing strength of our business relationships. The administration and management functions of the mutual are provided on behalf of The Britannia Steam Ship Insurance Association Limited by Tindall Riley (Britannia) Limited.
We have reached our position by seeking high quality Members who share the same approach to managing the risks we cover. All our business is written on the basis of a fair rating for each Member with realistic aims for balancing the Member’s claims record over a ten year period. As well as sound underwriting, we support our Members by providing professional and proactive claims management from our experienced team of claims handlers. We maintain control over claims to minimise costs for the benefit of all Members. We assist our Members to minimise risk by sharing our expertise and providing guidance outside the claims environment. By understanding our Members’ own businesses, we adapt our services to their needs.
The quality of our services is reflected in our commercial strength. We are rated “A (Stable)” by Standard & Poor’s and have some of the strongest financial reserves in the market, well in excess of EU solvency requirements. Our track record of successful investment returns is based on a long term view underpinned by solid reserving of investments. The result of our strong commercial management is that we have the best calls record of any P&I Club, with no unbudgeted calls for the last 40 years. By focussing on our core business without other distractions and risks, we are able to continue to run the Club purely for the benefit of its Members as we have done since 1855. | economics |
https://www.sevensholding.com/realestate_division.php | 2023-09-21T15:50:11 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506028.36/warc/CC-MAIN-20230921141907-20230921171907-00294.warc.gz | 0.955011 | 260 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__311232870 | en | The division’s aim and vision is to establish new venues for leisure and corporate services. The Real Estate Division is in charge of managing all the properties under the portfolio of the company. It is part of our mission to make use of the opportunities that arise from the current growth in the real estate sector in the Kingdom whilst giving added value to these properties and the surrounding areas. It is vital that we partner with the best in the business to introduce the best concepts that fulfill the needs of the market and ensure the utmost professionalism is implemented. Our services range from selling, purchasing, leasing and management of properties. The division has two projects that are currently under it, which are;
The City Walk Riffa is an open air commercial development located in Riffa, Central Governorate. The first concept of its kind in the Kingdom, City Walk hosts ten retail units, anchored by the amazing Grand Cinemas. Developed as a venue for families with ample free parking it is a must visit for all local residents. Visit City Walk and discover a unique location where you can relax and enjoy the experience.
Sevens Holding is the proud owner of the luxurious Royal Saray Bahrain resort. Operated by Accor the resort is located on the beachfront of Manama, Seef District. | economics |
https://articmaintenance.co.za/products/alternative-burner-fuel | 2021-12-09T00:37:50 | s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363641.20/warc/CC-MAIN-20211209000407-20211209030407-00298.warc.gz | 0.920944 | 360 | CC-MAIN-2021-49 | webtext-fineweb__CC-MAIN-2021-49__0__164659999 | en | EcoPro is an alternative heating fuel which is manufactured by refining used petro-chemical products.
ECOPRO Boiler fuel
EcoPro™ is an alternative industrial heating fuel which is manufactured by refining waste vegetable oil products, such as SUNFLOWER oil. The resulting fuel has one of the highest calorific values among the most common heating fuels available to the panel-beating industry in South Africa. A higher flash-point reduces the risk associated with fuels such as Paraffin or Diesel. A sulphur content of less than 0,01%, increases the life of smoke stack or exhaust systems. A negligible ash content also reduces the need for periodic cleaning of the combustion chamber and flue tubes.
By repurposing a waste oil product into a useable energy source, clients using EcoPro™ help to maximise the recovery of waste products. The EcoPro™ re-cycling process benefits the environment by reducing the quantity of waste material that would otherwise be dumped.
Needing minimal alteration to existing burners and fuel-source installations, EcoPro™ boiler fuel is an economical alternative to paraffin or diesel. The use of EcoPro™ fuel has consistently shown reductions in consumption due to the high calorific value, and significantly less wear and tare on mechanical components when compared to hydrocarbon equivalents. Significant reductions in the monthly cost of heating fuels have been achieved by efficient combustion of the boiler fuel, in addition to the savings resulting from the unit cost of the fuel itself.
EcoPro™ is delivered in bulk only, to minimise the cost of delivery. A minimum delivery of 500ℓ is applicable in the immediate Cape Town area.
Data sheet information EcoPro™ Boiler fuel
Recycle today for a better tomorrow | economics |
http://www.capitalpairing.com/about-us/ | 2024-04-12T12:13:32 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296815919.75/warc/CC-MAIN-20240412101354-20240412131354-00505.warc.gz | 0.934878 | 318 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__141451135 | en | H.E. Professor Datuk Syed Omar Alsaggaf (PJN, DPMP, DSPN, AMN, AMP) was the former Ambassador Extraordinary & Plenipotentiary of Malaysia to the Kingdom of Saudi Arabia and the Permanent Representative of Malaysia to The Organisation of Islamic Cooperation (OIC). He is the current Deputy Chairman of the Malaysia – Saudi Business Chamber. His other appointments include Chairman of Financial & Business Development Committee & Board of Director of Islamic University college of Perlis (KUIPs), Patron of Muslim Business Chamber Malaysia, Supreme Council Member of Medina Islamic University Malaysia, Board Member of Zakat for Islamic Council, Perlis, and Rector of both Perlis Islamic Higher Learning Institute and International Islamic Technology College, Penang.
Apart from his Islamic academic credentials, with his long-running experience in facilitating governmental-level economic development and policy in both Malaysia and Saudi Arabia, he was credited with fostering and re-affirming strong diplomatic, cultural and economic relations between Saudi Arabia and Malaysia during his illustrious term of service. He brings a wealth of trade, cultural and diplomatic knowledge and experience for Saudi-Malaysian industries, as well as unparalleled access to key regulatory bodies and governmental organs of both states.
Professor Datuk Syed Omar Alsaggaf possesses a Master’s Degree in (Near Eastern & North African Studies), specializing in Arabic Language and Culture, from the University of Michigan, Ann Arbor USA, and a Bachelor’s Degree in Syariah, Madinah University Saudi Arabia. | economics |
http://london-mobile-hairdresser.co.uk/blog/starting-hair-salon/ | 2020-10-31T07:37:38 | s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107916776.80/warc/CC-MAIN-20201031062721-20201031092721-00227.warc.gz | 0.968322 | 532 | CC-MAIN-2020-45 | webtext-fineweb__CC-MAIN-2020-45__0__173831786 | en | If you have a talent for hair and a brain for business, you may one day want to start your own salon. Establishing a business is never easy to do, but it can go a lot smoother if you are prepared. The fact that you are reading this shows that you want to at least do a little bit of research before jumping into the process. Hopefully our tips will help you out. Here is a basic guide to helping you start your own hair salon.
Assess the Costs
The first thing you have to do is figure out how much this is going to cost you. You can either rent, buy, or build a building to house your salon, so you should check out the different prices in your area. You will also need to know what the monthly fees are going to be to run the salon so you can make sure you at least break even each month. The pricing for this will vary greatly by location, so talk to a realtor or accountant about the options around you.
Plan the Setup
How are you going to set up your salon? Are you going to have stylists pay rent for their stations, or are you going to offer them an hourly pay? Most new salon owners will go with the rent option because that will bring them guaranteed money right away. If you want to pay employees to draw them in easier, you could do that as well. You have to figure out what sort of commission rates you will offer, or what you will charge the stylists to use products you provide. The final decision is entirely up to you.
Get an Education
You technically don’t have to be a stylist to run a salon. You just have to provide the building. Nevertheless, it would be wise to at least have some sort of education so you can answer questions that come your way. There is a reason why stylist-owned salons do so well. It’s because people know they can trust the owners. When you have customers that can trust you, you are guaranteed to succeed.
Open the Doors
Once you have everything planned out, market like crazy to draw in new customers. If you make a good first impression, you will have a lot of business to come. Don’t expect to be a millionaire overnight because that just won’t happen. If you play your cards right though, you’ll be able to start off on a profitable foot.
About the Author: Kim McAlroy is a self-employed stylist who loves her job and clients. She recommends the Mandalyn Academy for cosmetology and business education. | economics |
https://docs.vodlix.com/user-manual/monetization | 2023-10-05T03:45:09 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511717.69/warc/CC-MAIN-20231005012006-20231005042006-00417.warc.gz | 0.919328 | 441 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__222147043 | en | Flexibility to support different business models
Monetization is an essential part of creating and distributing videos and series. There are various business models available that content creators can use to monetize their work, depending on their goals and target audience. Whether you're looking to generate revenue from your content, build your brand, or reach a wider audience, selecting the right business model is key to your success.
At Vodlix, we understand the importance of monetization for videos and series. That's why we offer a range of business models that cater to different needs and preferences. Our platform provides you with the flexibility to choose the right monetization strategy for your content, so you can focus on creating and delivering high-quality videos and series.
Our monetization options include:
- SVOD (Subscription Video on Demand): This model allows viewers to access your content through a recurring subscription fee. With SVOD, you can offer your viewers a library of content to binge-watch at their convenience, generating revenue through recurring payments.
- TVOD (Transactional Video on Demand): TVOD is a pay-per-view model that allows viewers to purchase access to specific videos or series episodes. This model is ideal for those looking to monetize specific content or events.
- AVOD (Advertising Video on Demand): With AVOD, you can generate revenue by running ads on your video content. This model allows you to offer free access to your content while generating revenue from advertising.
- Free to Watch: This model offers your content for free to all viewers, including guest users.
At Vodlix, we believe in giving you the flexibility to choose the right business model for your content. Our platform supports all these models, so you can decide which one suits your needs best.
Whether you're looking to build your brand, increase your revenue, or reach a wider audience, Vodlix has the tools and features you need to monetize your videos and series effectively. With our easy-to-use platform and powerful monetization options, you can take your content to the next level and grow your audience and revenue. | economics |
http://careartsandreligion.org/the-perks-of-internet-shopping/ | 2022-08-20T02:50:15 | s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882573876.92/warc/CC-MAIN-20220820012448-20220820042448-00778.warc.gz | 0.978692 | 475 | CC-MAIN-2022-33 | webtext-fineweb__CC-MAIN-2022-33__0__178379118 | en | It would be very hard for a person to live in the modern society without the use of internet. We use the internet to stay in touch with our friends, to manage the office work and we simply use the internet to book a taxi for us. It is an ideal platform for entertainment, and it could be observed that one would be able to obtain many advantages if one uses internet right. One of the most useful things that could be done with the internet will be internet shopping. The ability to shop through the internet has many perks, and it would do well for one to understand what these benefits are and how to ensure that your internet shopping experience goes ideally.
Internet is available almost anywhere now. This would mean that you are just a few taps away from accessing thousands of websites where you could do shopping. When a typical shopping experience is taken into consideration, you would be able to see that you would have to spend so much time walking, choosing and then carry all the goods to your home. But with internet shopping, you will be available to millions of products all over the world, and you would not have to move your legs at all to order what you need. There would be many discounts available to you, and this could save up a considerable amount of your money as well. If you need a product, all you have to do is to find a supplier online. Through this, you would be able to access many products that would otherwise be unavailable to you.
As an example, you would be able to order buy cheap perfume online Australia that may not be there in your local stores. From kids wooden toys online to furniture, you would be able to see the best designs and useful products through the internet. The other user reviews would be able to give you an idea about how good the product is, and the products that you order will arrive at your doorstep. However, you need to ensure that the website you order them from is a well reputed and a reliable one. Knowing your supplier and the quality of the items will make sure that you get the best out of internet shopping.Internet shopping will have many more perks in store. Therefore, if you are a person that is stuck in the conventional means of shopping, it is about time you switched to the much more convenient option of internet shopping. This would allow you to save much money and time. | economics |
https://bailbondsindiana.us/surety-bond/ | 2021-12-05T14:55:13 | s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363189.92/warc/CC-MAIN-20211205130619-20211205160619-00264.warc.gz | 0.944823 | 690 | CC-MAIN-2021-49 | webtext-fineweb__CC-MAIN-2021-49__0__14290072 | en | A surety bond in bail making is money in cash or property that guarantees an accused person will attend court appearances as required. The bonds allow the defendant to be released from jail pending the completion of their case. The surety bond is an agreement between the bondsman and the accused. It is backed by the company and signed by the agent on behalf of the company.
An Indianapolis bail bondsman or Indianapolis bonds agent provides surety to have the defendant released. The inmate, in turn, pays around ten percent of the total bail amount. The collateral should be enough to cater for the bond full amount if the accused misses their court dates.
Surety bonds are different from cash bonds. When bailing someone out of jail using a cash bond, you have to provide the full amount demanded by the court before the accused is released. The cash is held as collateral until the conclusion of the case.
Why Surety is Preferable When Faced with Criminal Charges
In most cases, people will not be able to raise the colossal amount of money set as a bond. Even if you could afford the cash, it is not shrewd to have your money tied to the case that may take weeks on end to be over. It is, therefore, prudent to involve a bail bond agent near me to provide a surety bond for accused release.
Bail agents are referred to as sureties because they promise to ensure the defendant adheres to all bail conditions and attends court dates. A bonds person, also referred to as a bond agent or bail agent in Marion county, are people licensed to sell surety bonds by the state Department of Insurance.
Third-party involved in the surety bond agreement need to sign a promissory note. This is a contract to pay the entire bail if the accused misses the court date.
Surety Bond Guarantee
You shouldn’t decide to involve the bail agent lightly. A surety bond requires paying an upfront nonrefundable 10 percent of the bail amount. Besides freeing the defendant, the 10 percent fee charged by the Indiana bail bondsman helps to buy insurance required by the agent’s company to pay to its obligations. This insurance is referred to as a surety bond guarantee. It gives the court assurance that the bail bonds agent will pay the full bail if the defendant fails to show up for the court. The insurance company requires agents to make payments into a fund reserve. The pool helps the companies to cover for losses from insuring surety bonds.
The surety bond guarantee enables a bail bond agent to arrange for blanket bail with the courts. The bond agents do not have to deposit cash in court for each client. A blanket bond provides compensation to the court in case the defendant fails to show up for court date.
A Surety Bond is Beneficial
This guarantee is greatly beneficial in the sense that it promises to cover bail in case the defendant fails. Surety bond comes in handy if you do not have enough cash to pay cash bond or bail someone out of jail. However, you should be ready to part with a nonrefundable fee. The bond is subject to forfeiture of the defendant fails to appear in court. If you have a friend or a family member that is need of a surety bond, call the Indiana bail bond agents at Bail Bonds Indiana a call at 317-279-6854 today! | economics |
http://conference.puskim.id/istecs/2018 | 2019-06-18T15:52:13 | s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627998755.95/warc/CC-MAIN-20190618143417-20190618165417-00017.warc.gz | 0.93651 | 609 | CC-MAIN-2019-26 | webtext-fineweb__CC-MAIN-2019-26__0__87878671 | en | Research Institute for Housing and Human Settlement, under Ministry of Public Works and Housing Indonesia, started the International Seminar on Tropical Eco-Settlements (ISTEcS) Series in 2006, which is now in its fifth edition following successful previous seminars under the same name. This Series is inaugurated to respond severe environmental issues resulting from rapid urbanization, industrialization, and globalization that can create severe environmental degradation in urban areas, particularly in large cities and their surroundings.
Each ISTEcS collects original papers presenting ideas, views, and empirical experiences of researchers, academicians, and practitioners that help address urban settlement-related issues under specific theme. Papers will be published in conference proceedings.
No Registration and Submission Fees
There have been growing divides in housing provision among different income groups in especially urban areas. While most high income groups can enjoy higher quality of housing and are able to choose where they live, poor people are too often left with no option but to live in neighborhoods of concentrated urban poverty with severely limited accesses to urban services.
Slum, as an indicator of inequality in cities, is not the only area which suffers from disparities. Many people also lack accesses to essential infrastructure facilities, such as safe and affordable water supplies, adequate sanitation systems, reliable and friendly public transportation, and durable houses. Certain groups are vulnerable to environmental degradation such as floods, droughts, and pollution. It is imperative that urban planning, green building, and urban infrastructure should not discriminate against any urban inhabitants.
The divide issues become even more important especially when the 17 Sustainable Development Goals include the principles of equity and equality. It is hoped that the principles more promote sustainable development in urban areas for their residents, including women, children, the elderly, people with disabilities, and economically-disadvantaged groups.
In order to achieve greater equity, equality, and justice in urban housing development, policy changes and appropriate technologies are needed. To bring together academicians, researchers, practitioners, and experts to share their original and unpublished research works, case reports, and reviews concerning urban housing development, the Research Institute for Housing and Human Settlements (RIHHS) will hold the 2018 International Seminar on Tropical Eco-Settlements.
Seminar will be held in two days.
09.00 Opening Ceremony by Head of Research Institute for Housing and Human Settlements
09.15 Opening Speech from Head of Research and Development Agency, Ministry of Public Works and Housing
09.30 Keynote Speech
10.30 Presentation of Papers (number of rooms depend on topic and number of papers)
19.00 Welcome Dinner and Traditional Performance (invited only)
09.00 Keynote Speech
10.00 Presentation of Papers (number of rooms depend on topic and number of papers)
16.00 Green Paper Award
17.00 Closing Ceremony
14th - 15th November 2018
Grand Inna Kuta
Pantai Kuta Street, Kuta, Bali - Indonesia | economics |
http://klresources.com.sg/products-services/ | 2024-04-24T03:03:42 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818999.68/warc/CC-MAIN-20240424014618-20240424044618-00719.warc.gz | 0.92426 | 107 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__84834927 | en | KL Resources Pte Ltd takes pride in being one of the leaders in the waste paper, plastic & scrap metal collection and recycling industry in Singapore.
Our core focus lies in waste paper collection across the private and public sectors of Singapore. To date, we handle an average of 100,000 tonnes of waste paper annually.
Our dedicated collection yards are well-equipped to bale all collected waste paper before loading them into 40-foot containers. These containers are then prepped and readied for export to reputable paper mills overseas. | economics |
https://www.emaifo.net/memberswp/dues-info-payment/ | 2020-02-21T06:20:57 | s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875145443.63/warc/CC-MAIN-20200221045555-20200221075555-00071.warc.gz | 0.959117 | 278 | CC-MAIN-2020-10 | webtext-fineweb__CC-MAIN-2020-10__0__31472006 | en | Regular Members ($91)
30-Year Members ($45.50)
Clock Operators ($68)
Any member who has not paid his dues by May 1, 2019 shall be subject to a $15 (fifteen dollar) fine. Any member who has not paid dues by June 1, 2019 shall be suspended from membership. Application for reinstatement must be accompanied by a reinstatement fee of $25 (twenty-five dollars) in addition to the annual dues and any fines accrued. Said application for reinstatement must be made within 30 (thirty) days after the member has been notified that he has been suspended. Application for reinstatement after such time must be done in accordance with the policies and regulations for new members.
Make a Payment
Members may elect to make their dues payment via Credit Card or their checking account with PayPal using the “Pay Now” button below. Members should select their member status on the drop down menu above the button, then click the “Pay Now” button. You will be re-directed to the PayPal website where you may make a secure payment to the association.
Please note: due to the fees associated with the acceptance of electronic payments, these additional fees have been included in the online payment so they are $3-$4 higher than the actual dues so that the association will collect the amounts listed above. | economics |
http://uglexchange.com/?r=front/showcontent&S_ID=20180823144546 | 2020-12-01T14:10:13 | s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141674594.59/warc/CC-MAIN-20201201135627-20201201165627-00208.warc.gz | 0.897753 | 121 | CC-MAIN-2020-50 | webtext-fineweb__CC-MAIN-2020-50__0__104420084 | en | Foreign exchange, otherwise called Forex, FX or currency trading, is a distributed worldwide marketplace where the main exchanged items are currencies. The forex market is the biggest and most liquid market of the world, with an average daily turnover of over $5 trillion. Traders include governments and central banks, commercial banks, other institutional investors and financial institutions, currency speculators, other commercial corporations, and individuals. The world’s largest financial market – Trading Forex on margin is the world’s largest and most liquid financial market. Market participants include banks, corporations, financial institutions and retail investors. | economics |
https://moneymellow.com/best-places-to-sell-yugioh-cards/ | 2024-04-15T08:38:35 | s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816954.20/warc/CC-MAIN-20240415080257-20240415110257-00801.warc.gz | 0.948821 | 4,366 | CC-MAIN-2024-18 | webtext-fineweb__CC-MAIN-2024-18__0__81120462 | en | Ready to turn your Yugioh card collection into cash?
In this post, I’ll show you where to sell your Yugioh cards for top dollar!
Yugioh, which is based on the Japanese Manga series of the same name, is one of the most popular Trading Card Games (TCG) around with 35 million cards sold and approximately $9.64 billion grossed.
Anyone with a Yugioh card collection should think about selling it. After all, if you don’t want or need the cards anymore, then what’s the point in keeping them?
You may as well make some money by selling them!
You just need to know where to get started. In this post, I’ll cover where to sell Yugioh cards both online and near you. This allows you to clear out your home a little while making some extra cash.
Table of Contents
Are Yugioh Cards Worth Selling?
Before we get onto the list, I just want to answer an important question, which is “Are yugioh cards worth selling?
There are estimated to be around 11,145 cards in the Yugioh Trading Card Game.
Most are not super valuable. Although some Yugioh cards do fetch hundreds of thousands of dollars (more on that later in the post!).
Despite not all cards being super valuable, it’s still worth selling your collection. You’ll at least get something for it, rather than just leaving the cards to sit around gathering dust.
There are many factors that determine a card’s value, such as rarity, limited printing, and age.
Where to Sell Yugioh Cards Online
Selling Yugioh cards online is an excellent choice since you can typically reach more buyers than you would if you were selling cards locally. If you’re looking to sell your Yugioh cards, then give these places a try.
- How it pays you: Direct deposit to your bank account or store credit
TCG Player Marketplace is often touted on Reddit as one of the best places to sell Yugioh cards. With the site, you can sell your cards to millions of customers worldwide.
TCG Player Marketplace allows you to list your cards for sale. You don’t even need to pay any setup or listing fees. There is a commission fee charged though.
It also has some handy features, like access to pricing data, which make the site one of the best options for selling Yugioh cards.
- How it pays you: Bank wire transfer and PayPal
Cardmarket is a peer-to-peer online marketplace where you can buy and sell Yugioh cards. It’s a European marketplace.
On there, you can simply login, click “Sell Cards,” and then you can choose to either list mixed cards or bulk list cards. You can then fill out the form to list your cards on the platform.
You’ll need to search for your cards and enter the price that you want to sell them for. Be sure to do some research and price your cards accordingly. You’ll also need to provide some other details, such as what condition the card is in. Then simply click on “Put Card(s) on sale.”
The site does charge a 5% commission fee on sales, and a 3% currency conversion fee.
- How it pays you: Payout directly to your checking account or VISA or MasterCard debit card.
EBay is often recommended on Reddit as one of the best places to sell Yugioh cards. And, it’s no surprise really since eBay is such a well-known website that gets a ton of visitors. You can get your cards listed on there in front of tons of potential buyers.
Also, you get to set your own prices for cards. This means you’re not at the whim of some store or site to quote you a price.
You can list 250 items a month for free on eBay. So, you’re not having to worry about paying out to list your cards.
eBay does charge a selling fee of 13.25% for most categories though. So, it’s important to factor in commission when pricing your cards for sale on there.
4. Reddit (r/YGOMarketplace)
- How it pays you: It varies, but PayPal is a commonly requested payment method from sellers on there
Reddit is actually a good place to sell Yugioh cards and one that many people might not consider. You should definitely consider selling on there though! There’s a subreddit called r/YGOMarketplace.
On there, people can trade, buy, and sell Yugioh cards and other Yugioh related products. You can list your cards for sale on this subreddit, set the price you want, and ask for payment via the payment method of your choosing. So, you get lots of control over the selling process.
- How it pays you: Cash, PayPal, and check
Dave and Adam’s store purchases Yugioh single cards, such as Super, Ultimate, Ultra, and Secret Rares. It’s another good place to sell your cards.
- How it pays you: PayPal or BBToyStore.com store credit
Offload your Yugioh card collection for some extra cash with Sell2BBNovelties.com.
This site provides you with two options for selling:
- View the individual listing prices for each Yugioh card and add the ones that you want to sell to your basket.
- Sell your collection in bulk at flat prices without looking each card up one at a time.
In order to sell cards to Sell2BBNovelties.com, they must be in Mint (or like new) condition. This means that the cards should be like new as though they came directly out of the packs.
They should have no bends, creases, scratches, marks, white edges, folds etc. Cards must be the regular US version (no foreign or fake cards).
What’s good about Sell2BBNovelties.com is that it actually lists the prices that it pays for cards in bulk.
Here are the current prices:
- Holos: Vintage: $0.20 each. Modern: $0.03 each
- Rares: Vintage: $0.06 each. Modern $0.01 each
- Commons: $0.01 each (any year)
The company purchases cards in bulk for those prices. But, it says that there are many that it will purchase for more which have individual listings. Prices can vary depending on the age of the cards.
Sell2BBNovelties.com also purchases sealed products, such as booster packs, boxes, tins, and structure decks.
- How it pays you: Check, PayPal, or store credit
CoreTCG purchases collections of cards large and small. You can sell your Yugioh singles cards to the company.
It’s important to note that CoreTCG has some pretty stringent rules that sellers are required to follow.
Firstly, the company says that it does not want sellers to send any damaged or played cards. It says that if a card is received with a bend, crease, dent, or edge wear, then it will be considered to be in damaged or heavily played condition.
Basically, you won’t be able to sell cards with those types of issues. The company will send damaged or heavily played cards back to you at your expense, or it will dispose of the cards.
Secondly, if you fail to follow any of the company’s guidelines, it will result in a 20% deduction of your total amount with no exceptions. So, be sure to read the guidelines on selling to the company so that you don’t miss out on any profits.
CoreTCG provides 20% more in store trade on all non-bulk items.
- How it pays you: Check, PayPal, or store credit
You can sell your Yugioh cards to Cape Fear Games. On the Buylist page, which is linked in the section heading, there’s a guide to selling. Simply click on the “How to use” box on the site’s Buylist page.
You can find the individual items that you want to sell and then add them to your buylist cart.
The site recommends that if you are submitting a large quantity of more than 100 items, you should stop submitting items once you have reached 100 items in your cart.
Cape Fear Games states that doing this keeps the site from exhibiting any issues that could either fully erase the items in your cart or make it extremely slow.
It says that keeping buylists at 100 cards maximum also allows for the company to grade and process your buylist faster, getting you paid sooner.
Once you’ve added the items that you want to sell to your buylist cart, you can submit your buylist and mail your cards to the company. Basically, just follow the steps in the “How to use” box of the site’s buylist page to sell your cards.
- How it pays you: ACH direct deposit
Mercari is a website where you can sell a variety of different items. List your Yugioh cards for sale on there. Once your cards sell, you have to pay a fee of 2.9% plus a $0.30 payment processing fee.
- How it pays you: Wire transfer
With CardTrader, you can sell cards to players from all over the world. You can list your cards for sale on there for free. When items sell, you pay 5% in fees. You can withdraw your earnings via wire transfer.
The site does charge a fee on sales. So, for direct sales, there’s a flat fee of 5%. For sales made through CardTrader Zero, the fees are 7%.
Where to Sell Yugioh Cards Near Me
Sure, selling online is great. You can reach a ton of potential buyers. Selling locally though also has its benefits. Namely that you don’t have the hassle of shipping and you can typically get cash on the spot for your cards.
Here are a few options for selling Yugioh cards near you.
11. Local card shops
For a quick and easy way to sell your cards, I’d recommend going to local card shops. This is an option that many people report having success with on Reddit.
The issue with card shops is that they don’t tend to offer you the highest price for your cards. This is because these stores are looking to purchase your cards so that they can resell them for a profit.
Still though, if it’s quick cash that you’re after, local card shops really are your best option.
Just do an internet search for the term “card shops near me,” or “Yugioh card shops near me” to find card shops near you.
Call a few stores to ask if they actually purchase cards before you head down there. This will save you from wasting your time.
Next, we have OfferUp. This is another good platform for those who are looking to sell their cards to people nearby.
You can list your cards for sale on there and sell your cards locally. The site doesn’t charge fees on local sales, which is great. It means that you get to keep all of your profits!
While OfferUp is good for selling locally, it does also give you the option to ship items. But, you have to pay a fee of at least $1.99 or 12.9% of the sale price when shipped items sell.
13. Pawn shops
For quick cash, try your local pawn shop. They’ll typically pay you on the spot. Despite fast payments, pawn shops don’t generally pay the highest amount for items.
This is because they’re looking to make a profit. This means they’ll typically offer you less than what your cards are worth.
If you simply want to sell your cards for cash fast though, give local pawn shops a try.
Next on the list we have Facebook Marketplace. You can buy and sell all manner of things on there, and this includes Yugioh cards. List your cards for sale on there and sell them to people near you.
Facebook Marketplace doesn’t charge any fees on local sales. This means that you get to keep all of the profits from your sale.
The site does provide sellers with the option to ship items too. But, there’s a fee for this of 5% or $0.40 minimum per order.
15. Comic book stores
Comic bookstores are another great local option. What’s good about them is that they typically have more knowledge about Yugioh cards and their value compared to other local options like pawn shops.
Just like with local card shops though, comic book stores typically won’t offer you the full value of your card. This is because, again like card shops, comic book stores want to make a profit, so they will typically buy your cards for a lower price than what they’re worth and then resell them for a higher amount.
Still though, comic book stores provide a more convenient option than selling online where you have to ship your cards out.
Just do an internet search for “comic book stores near me,” to find nearby stores. Make sure that you call ahead though to be sure that the store does indeed purchase Yugioh cards. Again, like with card shops, this will save you from wasting your time.
How Do I Find Out How Much My Yugioh Cards Are Worth?
There’s a website called YuGiOhPrices.com that you can use to determine the value of your Yugioh cards.
The amount of money you’ll get for your cards will depend on the cards you have and also where you sell them.
What is the Most Valuable Card in Yugioh?
I mentioned above that while most Yugioh cards are not super valuable, there are many cards that have sold for tens of thousands of dollars and even one that sold for hundreds of thousands of dollars.
Here the top ten most expensive and rare Yugioh cards in the world:
- Tyler, The Great Warrior: $311,211
- Blue-Eyes White Dragon LOB 1st Edition: $85,000
- Dark Magician LOB 1st Edition: $85,000
- Crush Card Virus Shonen Jump Championship 2007: $50,000
- Minerva, the Exalted Lightsworn 2015 World Championship prize: $34,800
- Cyber-Stein Shonen Jump Championship 2004: $30,100
- Perfectly Ultimate Great Moth Dark Duels Stories promo: $30,000
- The Seal of Orichalcos UDE edition: $26,400
- Blue-Eyes White Dragon Dark Duel Stories promo: $25,100
- Chaos Emperor, the Dragon of Armageddon World Championship series 2018: $18,000
Tips for Selling Yugioh Cards
Now that you know where you can sell Yugioh cards, I’m going to cover some simple tips for success with selling your cards.
Be honest about the condition of your cards
It’s a really good idea to be honest about the condition of your cards, whether you’re selling them directly to a company like Dave and Adam’s store, or listing them for sale to buyers on a site like TCG Marketplace or eBay.
Buyers on platforms like eBay won’t be impressed if they receive cards that are not in the condition they were described as in the listing. They may give you a bad rating, which may affect your ability to sell more items in the future, or they may ask you for a refund.
Sites like CoreTCG and Sell2BBNovelties.com are pretty stringent when it comes to what condition they’ll accept cards in.
If you pretend your cards are in Mint condition, for example, and they actually have some damage, you won’t likely get paid. So, make sure that you are honest about the condition your cards are in.
If you are listing your cards for sale on a platform like eBay, Facebook Marketplace or OfferUp, you’ll be able to set your own prices.
If you are selling directly to a place though, like Dave and Adam’s Store, CoreTCG, Cape Fear Games, local pawn shops, local card shops, or nearby comic book stores, then you will be quoted a price.
Be sure to get quotes from multiple places so that you can compare them. That way, you’ll get the best price for your cards. You can accept the best offer.
If you care more about fast payment though than the amount of money you get for your cards, then obviously somewhere like a pawn shop will suit you better, even if it does offer a lower price because they pay on the spot.
Follow the guidelines
A lot of these places that you sell directly to have really stringent guidelines on how you should package your cards.
It’s really important to follow these to ensure that your sale is a success. With CoreTCG, for example, if you fail to follow any of its guidelines, it results in a 20% deduction of your total amount.
So, check to see if a company has any guidelines for selling and then be sure to follow them.
Of course, this won’t be an issue if you’re selling to customers through a place like eBay or Craigslist, but you will need to pay attention to the guidelines when selling directly to a company.
Tips for Avoiding Scams When Selling Yugioh Cards
Selling Yugioh cards can be a good way to get some extra money. But, you do need to be careful as there are a lot of scams out there.
Here are a few tips for avoiding scams when you’re selling your cards.
Look out for the fake check and money transfer scam
When you are selling your cards, be aware of the fake check and money transfer scam. This scam is also known as the overpayment scam.
With this scam, a scammer offers to pay more to you than the price you put on the listing. The scammer offers to pay you by check, but then they con you into sending the difference back to them through a wire transfer.
When it’s time to cash the check though it will bounce, because it was fake, and you are left with no money and have had to pay for the difference. Wire transfers aren’t refundable and often aren’t traceable either, which is why so many scammers use them.
Avoid offers where you are asked to wire a portion of the funds back to somebody. Scammers can make checks look legit and official, so don’t trust the appearance of checks. Do not accept a check that includes an overpayment. And, do not wire money to people or companies that you don’t know.
Protect your personal information
It’s always important to keep your personal information, well, personal when you’re selling stuff. Do not share your account information or your home address with a potential buyer. If a buyer is asking for any sensitive information, then it is likely a scam.
Sell through reputable companies
Before selling your cards to a company, make sure that it’s legit. There are lots of reputable platforms out there for selling cards and we’ve listed them above. Be sure to do a search on Google for any company you plan to sell with so that you can read some reviews and determine whether the site you plan to sell with is legit.
Game Over: Sealing the Deal on Yugioh Card Sales!
There’s a market out there for TGN cards, so there’s money to be made here.
Sure, not all cards are going to fetch a lot of money. But, if you have a large collection you could still make a decent amount of money.
Even if you don’t have a large collection of cards though, they’re still worth selling. The cards would otherwise just be thrown away or left cluttering up your house.
Whether you’re a collector or looking to make some extra cash, with so many places to sell Yugioh cards, you have a lot of options! | economics |
http://frielingagequipment.com/default.htm | 2019-10-15T16:23:21 | s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986660067.26/warc/CC-MAIN-20191015155056-20191015182556-00289.warc.gz | 0.969338 | 344 | CC-MAIN-2019-43 | webtext-fineweb__CC-MAIN-2019-43__0__138112067 | en | Frieling Agricultural Equipment is a full service dealership, we provide the parts and service for all the equipment we sell. We carry over 25 lines of agricultural equipment from top manufacturers. Our showroom is full of new equipment that has the ability to speed up any agricultural or land management project. Browse our selection of used equipment to save a bit of money while purchasing your next high-quality tool.
Since 1995, we have been serving the community by providing farmers with the equipment they need. Being farmers ourselves, we understand the importance of reliable and efficient farming equipments. Proud to be your agricultural and farm equipment dealer in Black Eagle, MT.
"I bought a Riteway Landroller and the quality of the product was excellent. Dan was very easy to work with. It was nice to find the best price on a roller close to home after checking all around the state."
– Landon Warren, Great Falls, MT
"I just purchased my second piece of machinery from Frieling's and I am very pleased with the service, convenience, and competitive prices."
– Greg Nybakken, Glasgow, MT
"Price is always right. Have never bought a piece of machinery that did not live up to its billing. Always easy to do business with you."
– Bob, Jeff and Tyler Pasha, Fort Benton, MT
"I have felt more comfortable dealing with Frielings than any other dealer I have ever dealt with. Honesty with hard work. They don't make you feel that it's just about money. They go the extra mile for you to make sure you are satisfied with the product they have sold you."
– Todd Sorg, Wolf Point, MT | economics |
http://exceedhr.co.uk/ExceedJimCleland.htm | 2020-01-24T20:37:53 | s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579250625097.75/warc/CC-MAIN-20200124191133-20200124220133-00230.warc.gz | 0.946374 | 341 | CC-MAIN-2020-05 | webtext-fineweb__CC-MAIN-2020-05__0__73774943 | en | Forthcoming employment legislation and what it means to employers
Transitional provisions for abolition of default retirement age
From 6 April 2011, employers will be prohibited from issuing new notifications of retirement using the statutory retirement procedure. See below about new legislation relating to retirement after 1 October 2011.
Additional paternity leave and pay available
Additional paternity leave and pay allows fathers to benefit from up to 26 weeks’ additional paternity leave if the mother returns to work before using her full entitlement to statutory maternity leave. The new right is available to parents of children with an expected week of childbirth beginning on or after 3 April 2011. Employers will need to consider the potential impact on their business and plan ahead.
Maternity, paternity and adoption pay are increased
The standard rates of statutory maternity, paternity and adoption pay increased from £124.88 to £128.73 per week from 3 April 2011. Statutory sick pay increased from £79.15 to £81.60 per week from 6 April 2011. Employers will need to amend their current procedures to reflect this change and account for the additional cost they may incur.
Default retirement age to be completely abolished
The default retirement age abolished completely, and employers are prohibited from retiring employees in reliance on the default retirement age on or after 1 October 2011. Employers should seek advice about how to plan for and manage the effect of this significant change
New rules on equal treatment for agency workers
The Agency Workers Regulations 2010 entitle agency workers to equal treatment on basic employment conditions after 12 calendar weeks in a given job, including pay and holidays. Employers should seek advice about how to handle this change with the aim of minimising disruption to their operations and cost. | economics |
https://thaidat.com/reduced-costs/ | 2023-02-03T03:08:10 | s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500042.8/warc/CC-MAIN-20230203024018-20230203054018-00505.warc.gz | 0.942966 | 249 | CC-MAIN-2023-06 | webtext-fineweb__CC-MAIN-2023-06__0__216389038 | en | For any business, regardless of sector, protecting the bottom line is the highest priority. One of the easiest ways to increase profitability is to reduce operating costs, though it sometimes requires an external partner that can help you see your business in new ways and that can provide a novel solution. Learn how Solenis brought together insights and innovative technology to help a paper producer reduce its manufacturing costs without affecting end product quality.
Due to tough market conditions and high competitive pressure, a European paper producer was challenged to reduce its operating costs on a 640-ton-per-day machine producing high-quality copy grades. Replacing high cost virgin fiber with a lower cost filler was a key initiative. Previous efforts to increase filler content either reduced productivity or reduced tensile strength significantly, leading to quality issues, both of which limited the mill’s ability to improve its operating costs. Solenis evaluated the mill’s system and recommended a new filler-fiber optimization program called OptiFillSM. Since permanently converting to Solenis’ OptiFill program, the mill has increased its filler use from 20 to 25 percent and has realized significant cost savings — more than $1 million annually — without compromising quality or productivity. | economics |
https://www.artisurn.com/pages/shipping-charges | 2023-12-04T23:48:24 | s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100535.26/warc/CC-MAIN-20231204214708-20231205004708-00416.warc.gz | 0.928935 | 131 | CC-MAIN-2023-50 | webtext-fineweb__CC-MAIN-2023-50__0__280813042 | en | What are your shipping charges?
Standard shipping within the contiguous United States (4-7 business days) and handling are included in all of our prices. For shipping to other locations or for faster delivery, please contact us at email@example.com.
An email with a tracking number will be sent to you when your order ships so you know exactly when your handcrafted cremation urn, jewelry or keepsake will arrive.
Do you charge a sales tax?
We charge taxes in California and Illinois. California residents will be charged the sales tax of 8% and Illinois residents will be charged the sales tax of 7.75%. | economics |
https://friedariver.com/the-project/company-profile/ | 2022-08-08T01:55:33 | s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570741.21/warc/CC-MAIN-20220808001418-20220808031418-00013.warc.gz | 0.929214 | 234 | CC-MAIN-2022-33 | webtext-fineweb__CC-MAIN-2022-33__0__117557608 | en | Frieda River Limited is a Papua New Guinea-incorporated company and is the Project proponent. Frieda River Limited has been operating in Papua New Guinea since 2007 and is a wholly-owned subsidiary of PanAust Limited.
PanAust is a respected, mid-tier copper and gold producer in Laos, with pre-development and exploration assets in Laos, PNG, Myanmar and Chile.
PanAust is a company leveraged to copper with:
- a strong balance sheet and cash flow, well-positioned for growth
- demonstrated ability to develop and operate low-grade ore bodies in challenging environments
- an industry-leading approach to sustainability
- proven management experience
- secure tenements enabling near- and long-term growth.
PanAust is an Australian incorporated company owned by Guangdong Rising H.K. (Holding) Limited (registered in Hong Kong), a wholly-owned subsidiary of Guangdong Rising Assets Management Co. Ltd (GRAM). GRAM is a Chinese state-owned company regulated under the State-owned Assets Supervision and Administration Commission, the People’s Government of Guangdong Province in China. | economics |
http://www.tpdl.eu/tpdl2017/registration/ | 2023-10-04T09:56:31 | s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511364.23/warc/CC-MAIN-20231004084230-20231004114230-00572.warc.gz | 0.869901 | 449 | CC-MAIN-2023-40 | webtext-fineweb__CC-MAIN-2023-40__0__85505786 | en | (until July 21st, 2017)
|Late (on or after July 22nd, 2017)
/ Onsite Registration
|Conference only (Mon Sep 18 – Tue Sep 19 – Wed Sep 20)||530 EUR||300 EUR||580 EUR||350 EUR|
|Workshop Only (Thu Sep 21)||120 EUR||100 EUR||150 EUR||130 EUR|
|Conference plus (4 days)||600 EUR||350 EUR||650 EUR||400 EUR|
|Over-length Fee||100 Euros per page|
|Additional Paper Fee||350 Euros per paper|
According to the registration regulation for TPDL2017, inclusion of papers in the proceedings is conditional upon registration of at least one regular author per paper.
Extra tickets for reception, lunches and conference dinner for accompanying persons, as well as conference proceedings, will be available at cost at the registration desk.
- Conference Only (September 18-20): Regular/Student fees include access to the Conference, Proceedings, Conference materials, Daily coffee breaks, Daily lunches, Welcome reception (Conference reception) and Conference dinner.
- Conference Plus (September 18-21): Regular/Student fees include access to the Conference, Workshops, Tutorials, Proceedings, Conference materials, Daily coffee breaks, Daily lunches, Welcome reception and Conference dinner.
- Workshops (September 21): Workshop fees include access to the Workshops, Tutorials, Workshop materials, Coffee breaks, Lunch and Welcome reception (Workshop reception).
- Participants registered with the Student fee must provide a proof of their status at registration during the conference.
Two alternative methods of registration payment are available:
- Credit card: Registration payments are to be made through the Aristotle University of Thessaloniki’s payment system.
- Bank transfer: Using ConfRegTool
Cancellation of a registration is possible until the 10th of September and is subject to 20% of the fees as administrative cost. | economics |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.