Our new sustainable packaging hub in Liverpool City Region
26 Oct 2021
We’ve opened a new office at Liverpool Science Park to boost industry and academic partnerships and drive economic prosperity in the ambitious North West innovation ecosystem.
We’re delighted to be joining a broad network of scientists and innovators at Liverpool Science Park — including the Manufacturing Technology Centre, part of our High Value Manufacturing Catapult family. Our new base within the Knowledge Quarter Liverpool Innovation District has been made possible thanks to £110,000 funding from Steve Rotheram, Metro Mayor of the Liverpool City Region.
This pre-development funding will support the creation of a £60 million National Packaging Innovation Centre that could position the UK at the forefront of the £1 trillion global packaging market and play a significant role in meeting net zero targets.
At present, the packaging market is highly fragmented and optimised for cost-reduction, resulting in low levels of innovation in both new materials and processes. This has impacts on economic, social, and environmental outcomes, with only 5% of plastic packaging currently recycled and only two-thirds of food produced reaching the consumer.
Utilising CPI’s cleantech expertise, the Centre will bring together industry and academia to commercialise sustainable packaging materials and production technologies.
Darren Ragheb, Strategic Programmes Manager, CPI, said:
“Demand for resource-efficient packaging solutions from consumers, governments and regulators provide an opportunity for the UK to lead the way in this disruptive market.
“With the North West’s ambitious innovation ecosystem, Liverpool City Region makes an ideal location for CPI to expand its offering. Through access to industrially relevant capabilities and expertise for packaging innovation development and demonstration, CPI will support the transformation of industries and improve the long-term health of our environment.
“CPI’s new office at Liverpool Science Park will provide a hub for partnership development with universities, local government, industry, and SMEs to enable the development of the National Packaging Innovation Centre that will drive jobs and productivity in the region.”
The Centre is being co-developed by Liverpool City Region Combined Authority and CPI with Unilever as a founder partner. The region is home to Unilever’s consumer products headquarters at Port Sunlight and offers complementary existing and emerging innovation assets including Unilever’s Materials Innovation Factory at the University of Liverpool, Glass Futures, and supply chain partners at Sci-Tech Daresbury.
Steve Rotheram, Metro Mayor of the Liverpool City Region, said:
“The Liverpool City Region is a real hotbed of innovation, especially areas like advanced manufacturing that have a big role to play in cutting our carbon footprint.
“This funding is an important step towards the development of the National Packaging Innovation Centre in partnership with Unilever, that will help put our region at the head of the £1tn global packaging market.
“As well as making a substantial environmental impact, this centre will attract investment to our area and create thousands of jobs and training opportunities for local people. The rest of the world will look and learn from the work we’re doing.”
The announced support from Liverpool City Region Combined Authority will catalyse engagement with industry partners who would provide financial support to the project, matching requested investment from government.
Leanne Katsande, Head of Commercial at Liverpool Science Park, said:
“Liverpool Science Park is already home to a fantastic mix of like-minded and ambitious innovators, developers, creators and scientists and we are excited to be welcoming CPI into that community. Moving into the park is about more than a lease and an office, it is about becoming a part of the innovation ecosystem that we have worked hard to create with our strategic partner, Knowledge Quarter Liverpool.
“CPI’s ambitions and values are perfectly aligned to our own and we are delighted to be involved in the journey towards creating a National Packaging Innovation Centre, here in the Liverpool City Region, from day one.”
In addition to around 60 jobs at the Centre itself, the final project would form the core of a wider packaging cluster in Liverpool City Region, bringing up to 2,000 high-value innovation jobs and supporting businesses across the packaging supply chain.
To tackle plastic pollution, we need bold innovations that challenge existing designs, materials and business models. We support the National Packaging Innovation Centre, enabling world-class scientists and engineers from across industry and academia to work together to create more sustainable everyday products.
Chief Research & Development Officer, Unilever
Let’s innovate together
To find out more about how we can work together, please enter your details below.


Are you going to put your home on the market this year? Do you want to find out the best time of the year to successfully list and sell your home? Research has shown that the Spring is the best time overall to list your home for a variety of reasons. In Greensboro, home sales tend to increase during the months of March through June, as the warmer weather gets people outside to look at neighborhoods and new homes. According to Time Magazine, most buyers prefer to move during the summer months:
“The best time of the year to sell a house is the spring. Buyers come out of the woodwork during the spring, and with tax refund checks in the bank, spring buyers more often pay full price. In fact, sales peak in the spring, helping to explain why about 60% of those who move do so in the summer. Tip within a tip: Don’t price your house with a zero at the end. Studies show that people perceive a precise price, such as $282,284, as lower than rounded ones, such as $280,000, even when the rounded prices are actually lower. Real-life sales show that one zero at the end of an asking price lowers the final sale price by .72% and two zeros lower it by .73%. That may not sound like much, but it can add up to thousands of dollars.”
Since families would prefer to not move during the school year, the summer is the ideal time to relocate to a new home. Make sure it is priced right by selecting an experienced real estate agent to be your Selling Agent, so you can have all of the available data and tools to make your sale successful. At Smith Marketing, Inc., our 27+ years of residential real estate knowledge creates a winning formula for every home sale in Greensboro.
How to Price Your House Correctly for Greensboro Home Sales
What are some of the factors to consider when determining a sale price for your home? One helpful resource that is provided by our firm is a comparison of similar homes, or ‘comps’. By reviewing the sales prices of comparable properties, you can narrow in on a price that makes sense for your home. Your agent will take into consideration the age of the home, lot size, square footage, condition of the home, amenities, location, and the number of bedrooms and bathrooms. These are all important considerations for the following reasons:
- Age: Compare homes within the same age range, for instance, do not compare a home built in 1915 with a home built in 2002.
- Lot Size: The lot size should be very close to the lot size that you are listing. If one home had 1-2 acres and the listing home had .25 acres for the lot size, there is a significant difference that changes the value of the home.
- Square Footage: Larger homes typically have larger sales prices, and buyers usually search for homes by the desired square footage.
- Condition of the Home: Simply looking at comps by square footage isn’t enough, especially when a home is a fixer-upper compared to a move-in-ready home.
- Amenities: Pools, gourmet kitchens, and other amenities will increase the sale price of a home. Make sure you are comparing apples to apples when you are looking at other Greensboro home price.
- Location: Does your home have a nice view, or is it located on a busy road or quiet cul-de-sac? The location affects the price of the home and needs to be compared to similar homes in similar locations.
- Number of Bedrooms and Bathrooms: This is another huge searching factor for buyers, who want a specific # of bedrooms or bathrooms in their new home. The home prices vary according to the number of bedrooms and bathrooms, even within the same square footage range.
Call the Experts in Greensboro Home Sales
There is a large amount of research that goes in to pricing your home correctly. Save yourself the headaches of having to lower your price every other month by getting it right the first time. At Smith Marketing, Inc., our trained agents have the tools, techniques, training and tips to help you successfully list and sell your home. Contact our office today to get the highest level of service and experience with Greensboro, High Point and Winston-Salem Home Sales: 336-215-7880.


Islamic militants post video showing beheading of second US journalist and make threat against Briton
Islamic State extremists have released footage which claims to show the beheading of US journalist Steven Sotloff.
MPs are facing a ban on using taxpayers’ money to rent a home from one of their colleagues.
19 October 2012
Bank of Scotland, part of the Lloyds Banking Group and owner of the Halifax, was today fined £4.2 million for poor record-keeping which led to it making £20.4 million of goodwill payments to 22,700 customers who were not actually entitled to them.
19 October 2012
Lender Halifax fuelled fears of a turn for the worse in the property market today as it reported the third monthly fall in a row for house prices in September.
04 October 2012
02 October 2012
Current account customers are being charged as much as £900 a year for going overdrawn without permission, according to a report that "shatters the myth" of free banking.
21 August 2012
11 August 2012
A stand-off between reluctant sellers and nervous buyers is threatening stagnation for the housing market for the rest of the year, lender Halifax said today.
06 August 2012
Saving for your retirement with an ISA is probably the last thing on your mind if you’re in your 20s. However George Osborne’s recent budget means that this year’s graduates won’t be able to draw their state pension until they’re at least 71 years old.
30 July 2012
The Financial Ombudsman has seen complaints about mobile policies rise
10 July 2012
The Diamond Jubilee was no good for house-builders as buyers fled the country or put moving on hold to join in the celebrations, Bovis Homes said today.
09 July 2012


In light of The Construction Act and the new ‘Duty to Report on Payment Practices and Performance’ legislation applicable to larger businesses, Construction contractors are turning their eye to WebContractor from Open ECX.
To understand why WebContractor is getting so much attention, it’s important to briefly explore the UK construction industry’s challenges around delayed and late payments.
We have created an eGuide featuring five key points that can help streamline your business processes – fill in the form below to download it:
- Industry challenges around delayed payments
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Download the full guide here:
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Goldman Sachs Announces 2022 GS UK Black Tech Cohort03.14.2022
The Goldman Sachs Group announced that seven companies have been selected to participate in the inaugural UK Black Tech cohort of Launch With GS, a $1 billion investment strategy grounded in our data-driven belief that diverse teams drive strong returns. The customised immersive programme, will provide high-touch access and resources to a select group of UK-based Black founders, to fast-track their companies’ growth and build relationships with investors and industry experts.
The 2022 UK Black Tech Cohort includes:
“The UK is a global hub for technology talent, but despite the overwhelming evidence that diverse teams perform better at every level, under-represented founders are faced with disproportionate barriers to entering the VC ecosystem and benefiting from its network,” said Nishi Somaiya, global co-head of the Growth Equity business within Goldman Sachs Asset Management. “We believe that combining the vision of these talented founders, with guidance from Goldman Sachs leaders and access to the firm’s resources, will help accelerate their growth trajectories and access to capital.”
Seun Toye-Kayode, EMEA head of Launch With GS, said: “The programme has been specifically designed to meet the needs of each participant and their business. We’ve seen the effect of our work in the US and we’re excited to provide a platform to some of the UK’s most promising start-ups and their founders.”
Each entrepreneur will receive customised input from across the firm, with Goldman Sachs investment teams providing direct support to each founder. They’ll participate in workshops with Goldman Sachs leaders across the investment banking, research and investing teams and have opportunities to engage with the broader Goldman Sachs network. The two-week experience will feature individually tailored programming, and will culminate in an invite-only Investor Showcase, where the companies present their visions to the Launch With GS ecosystem of like-minded investors.
To learn more visit: www.gs.com/LaunchWithGS
Source: Goldman Sachs
The bank expects to hire several hundred employees in the region.
Employees routinely communicated about business matters using text messaging on personal devices.
LCH SwapAgent said trade highlights its coordination of the transition to risk free rates for non-cleared OTC ...
The bank is executing on strategic initiatives including potential divestitures and asset sales.
With Natacha Dezert and Aman Mehta of BNP Paribas Securities Services.


83rd house: Richards, Stanley face Johnson
By Joanie Morris
CONCORD ó N.C. Rep. Linda Johnson will have some company on the ballot this fall, but it’s the election Tuesday that will decide who Johnson, a Republican, will face.
Barry Richards or John Stanley want the Democratic nomination for N.C. House District 83.
Richards, 45, is a former town administrator who teaches drivers education in the Cabarrus County School System.
Stanley, 63, is a retired textile worker and a seasonal tax preparer.
They agree on several issues and disagree on others.
On growth, Stanley and Richards say the issue is a local government concern.
Stanley says the job of the state is to make sure local annexations are not unreasonable.
Richards says the state can help local governments.
“I would enhance growth for viable business opportunities by expanding infrastructure improvements with state funding when asked and when the funding can be attained,” he says. “I would support local initiatives for watershed assistance. I would support road improvements and education expansion when asked and when the funds were attainable.”
Most of all, Richards says, he will “support a climate of deregulation and less taxing so that citizens and businesses can use their money to support their own visions without state encroachment when possible.”
Richards believes a Democrat could help Cabarrus residents of 83rd District because Democrats control the legislature.
“The politics of Raleigh are present whether we think it fair or not, and as long as we have (Republican) representation in Raleigh, then Cabarrus will get penalized for not having like representation in Raleigh from its elective officials,” Richards says. “I believe that Democrats will control the House, Senate and gubernatorial offices, as well as the Council of States as a whole for many years, and Cabarrus needs to have representation likewise.”
Stanley says roads are a complex issue.
He supports bringing light rail to Cabarrus County ó and not 20 years from now. “Yes, we have to update our roads. We also have to bring in light rail,” he said
Stanley puts $40 of gasoline in his 2001 Nissan each week.
“What’s the pollution factor over here? What’s the time factor?” Stanley asks. “During rush hour, it takes longer to get to Charlotte than to get into Salisbury because the roads are so backed up. I don’t think light rail is an option anymore. For pollution and energy-wise …. light rail is a necessity at this point.”
Richards and Stanley differ on state incentives for recruiting business.
While the state needs to supports business, he says businesses sometimes take incentives and then try to blackmail the taxpayer. for more.
“”I believe tax incentives are good, but … you have to make it fair and balanced. I would like to see taxes cut, but when taxes are cut across the board, the loopholes have to be tightened up so you don’t have a disproportionate burden on the smaller companies.”
Richards favors state-sponsored tax incentives to businesses “that produce qualified jobs.”
“I believe that we are giving away too much taxing authority at present,” he says. “We live in a free market society based on capitalism, and we can support business best by giving them and their employees a quality of life they can’t get in other states and other areas in North Carolina. …
“We can support them best by giving them an area of diminishing crime, property value increases, good schools for their kids to attend, better infrastructure to and from their places of employment that will make their business better manageable, less local and state regulations that strap their creativity to produce jobs and increase productivity, lower income taxes so that individuals can use their own income to support their own families with greater purchasing power, which qualifies (as) positive economic stimulus to other businesses, which then create the cycle of creativity and job growth again.”
Contact Joanie Morris at 704-933-3450 or firstname.lastname@example.org.
says Richards. “Finally, the state can support families and individuals by allowing basic freedoms of religion, speech, gun control and the pursuit of happiness by providing for safe and ecologically clean environments.
“All of this will allow for less sponsored tax incentives and great productivity within the business and manufacturing community,” Richards says.
Both candidates say the N.C. Research Campus is a positive engine for the county and state.
“I will be a funding-liaison for any projects that the NCRC has and do my best to deregulate some restrictions that keep the people of the NCRC from using their God-given creative talents,” Richards says. “I think the people of the NCRC are proving that they don’t necessarily need the state to tell them what to do because they know their vision and expertise way better than some bureaucrat with four walls will ever know.”
He says collaborative efforts have their place in a relationship with the officials at the N.C. Research Campus and the state.
“My past local government experience and networking abilities will be invaluable in due time as the NCRC grows and expands,” Richards says.
Stanley says the impact of the campus will be felt all over the country, not just in the region. “It has to be secured,” he says. “It was made for profit. It’s not a state-funded institute. It was also made for a lot of individual companies. We have to make sure those companies are nurtured and not overburdened by the debt of the county.”
Stanley says he is running because he wants to help make a difference and he has some personal issues he would like to see come before the state legislature.
“I would like to see a local VA clinic over here,” says Stanley. That is a clinic for routine examinations and blood work, not a full-blown hospital like in Salisbury or Charlotte. “It’s convenient for the amount of veterans in the area.”
Also, he would like to see improvements in the Homestead Act, such as changing income requirements from $25,000 per year total to $25,000 for single seniors and $40,000 for married seniors. In addition, he favors removing a state lien on senior citizen’s properties.
Richards says he is running because he wants to work for Cabarrus.
“I need the votes of the 83rd District to accomplish a better Cabarrus that continues to grow and support its citizens while allowing a productive business and manufacturing environment with scholastic acceptance and appeal that will provide jobs and economic viability for the fine people of Cabarrus into the 21st century with the vision to impact the world,” Richards says. “With your help, I’m sure that our future will continue to emerge.”
Contact Joanie Morris at 704-932-3336 or email@example.com.


Fortress Asia Macro Fund Named “Best New Asia Fund” at Eurekahedge Asian Hedge Fund Awards 2012
Company Release - 6/6/2012 10:00 AM EDT
NEW YORK--(BUSINESS WIRE)-- Fortress Investment Group’s (NYSE: FIG) Fortress Asia Macro Fund was named “Best New Asian Hedge Fund” at the Eurekahedge Asian Hedge Fund Awards 2012. Sponsored by Eurekahedge, the world’s largest alternative investment funds research house, the awards considered over 400 Asian hedge funds, with winners selected by an independent panel of judges based on performance in 2011 and the first quarter of 2012.
The Fortress Asia Macro Fund was launched in March 2011, and is managed by a Singapore-based team headed by chief investment officer Adam Levinson. The Fortress Asia Macro main fund recorded net returns of 9.42% inception-to-date and 5.93% year-to-date through May 31, 2012.
“We are honored to be recognized by Eurekahedge, and we are thankful for the confidence of our investors and their advisors,” said Levinson. “We look forward to building on our record to date, and believe the Asia region will continue to present ample opportunity to leverage our macro capabilities and experience on our investors’ behalf.”
“The Asia region has been a major focus of Fortress’s Liquid Markets business since it was established in 2002,” said Stu Bohart, president of Fortress Liquid Markets. “With a regionally-focused and globally-integrated macro trading platform in Singapore, we’ve been able to apply our depth of experience very effectively for our investors. We remain very enthusiastic about the opportunities we see in the Asia region for our Liquid Markets business and Fortress more broadly.”
Fortress Investment Group LLC (NYSE: FIG) is a leading, highly diversified global investment management firm. Fortress applies its deep experience and specialized expertise across a range of investment strategies - private equity, credit, liquid hedge funds and traditional fixed income - on behalf of over 1,400 institutional clients and private investors worldwide. For more information regarding Fortress Investment Group LLC or to be added to its e-mail distribution list, please visit www.fortress.com.
Fortress Investment Group
Gordon E. Runté, 212-798-6082
Source: Fortress Investment Group LLC


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Although China boasts the world's most extensive high-speed rail infrastructure with over 16,000km of track, it is also home to one of the last regular passenger steam train services in the world.
Award-winning photojournalist Kevin Frayer made several trips on the train and then walked along the tracks, capturing scenes straight out of China's past.
The narrow-gauge Jiayang Railway connecting the towns of Shixi and Bagou in Qianwei county, Sichuan Province, was constructed in 1958 to haul coal. The trains are still powered by the rusting, temperamental steam engines built in the 1950s.
In 1978, the service added a couple of passenger coaches. The train was the only way for locals to travel between the two towns until a road was built a couple of years ago.
The regular carriages are very basic, with wooden benches and no glass in the windows. Your fellow passengers might include poultry and piglets, which are being taken to market by local farmers. But it is cheap: a one-way trip costs CN¥5 (£0.52, $0.81).
For a more luxurious trip, there are air-conditioned sightseeing carriages, catering for a growing number of tourists wanting to experience this "living fossil of the Industrial Revolution".
Seats in these carriages costs 10 times as much as on the local service but you do get a tour guide and the chance to disembark and photograph the train barrelling around the scenic Jiaoba Curve at top speed (30kmh).
The 20km route through the misty, mountainous Sichuan basin passes scenic rapeseed fields, bamboo plantations and rice paddies. The tiny villages alongside the tracks seem untouched by China's rapid economic progress.
Bagou, the town at the end of the line, was once home to 20,000 people, but the closure of the coal mine led to a decline. The miners moved away, and the schools and hospitals were shut down. Now the place is unloved, with crumbling buildings and around 1,000 mostly elderly residents.
However, the increasing popularity of the railway line may turn the fortunes of the town around. Some of the former miners' cottages have been renovated and now operate as guesthouses for visitors.
The tourists that come here are mostly urban Chinese people from nearby cities like Chengdu, wanting to travel back in time, but a few foreigners have begun making the trip to experience "the real China".
Kevin Frayer, who took these photographs, told IBTimesUK: "So much of the view of China these days is about development and fuelling economic growth. It is a country of megacities, sprawling buildings and has one of the most sophisticated transport systems in the world.
"Yet there are still places where you can get glimpses of an older China, where the pace is slower and the infrastructure less advanced. The steam train line in the hills of Sichuan looks exactly as it has for decades.
"The service still exists mostly because of tourists who come from cities in other parts of China, longing for a bit of nostalgia. The rail line is operated by the local coal company so that helps keep it viable. But it isn't a guarantee. China's government continues to curb coal dependency so there could be a day the steam train is at risk. For now, it is a wonderful and rare chance to take a step back in time."


That will change afterwards JPMorgan Chase & Co Thursday became the first global index provider to include it in its emerging markets index. The decision paves the way for an inflow of billions of dollars, just at a time when the bond market is under pressure due to record government borrowing.
“This could be a push factor to stimulate foreign inflow to India and foreign investors are likely to be more active in the Indian fixed income market,” Morgan Stanley strategists led by Min Dai wrote in a note, calling the index inclusion a “landmark event.”
The move supports India’s aspirations for greater global weight as the country boasts one of the fastest economic growth rates in the world and positions itself as an alternative to China. At the same time, the inclusion will open the country’s public finances to greater scrutiny by foreign investors, likely increasing the volatility of local markets.
The inclusion will begin in phases from June 2024. India will achieve a maximum 10% weighting in JPMorgan’s flagship emerging markets index, which has a benchmark of $213 billion.
Goldman Sachs Group Inc expects an inflow of more than $40 billion from active and passive funds over the next eighteen months. The purchases will be “implemented immediately as investors prepare for withdrawal,” strategists led by Danny Suwanapruti wrote in a note on Friday.
Foreign investors currently own less than 2% of government bonds. Officials have worried in the past about the consequences of excessive debt inflows, which have made local banks and mutual funds the main buyers of bonds.
The index news “should structurally bode well for interest rates and currency markets, leading to lower borrowing costs for the economy and more responsible fiscal policies,” said Madhavi Arora, chief economist at Emkay Global Financial Services Ltd.
Kotak Mahindra Bank expects foreign ownership to rise to 3.5%-4% by the end of fiscal 2025 as investors pour money into a high-yield market.
The benchmark 10-year yield could fall to 6.9%-6.95% in the next six to eight months if the global environment improves, said Jayesh Mehta, country treasurer of India at Bank of America in Mumbai.
They closed at 7.19% on Friday.
Bloomberg LP is the parent company of Bloomberg Index Services Ltd, which manages indexes that compete with those of other service providers.


What’s a Procedure in Science?
Generally in most of the current science books and newspapers, it is said that what really is a strategy in mathematics is really a certain system of study. This may incorporate the biological and bodily programs, like dwelling and nonliving, bodily and nonphysical processes. These definition could be utilised to specify a system, however at the same period, it might likewise be correlated in what is a part, an element, an element together with a different one, or even a unit, that is regarded as as one thing. In any situation, it cannot necessarily be understood to be a component.
The expression system in mathematics means numerous parts within an whole or the method . This may possibly involve some thing as simple as a complex compound or a part writing an introduction for a research paper of a engine process or mechanical part. A very simple illustration of the system in science may be financial institution, which has a financial platform or even a bank and its own resources or obligations.
There is A system considered as a residence of a system. A bank’s system is because a real estate of monies would be the machine of the systems. The real estate of this system can be referred to as an alternative to something of equations. Which usually means that in a bank there’s really a particular technique of equations that influence the various types of property that banks consume, the kinds of transactions along with the existence of banks.
As it performs selected functions such as developing deposits and offering loans A bank is a part of a system. A banking is a system of the system. In the Event You ask,”Exactly what really is really a strategy in science” , then the answer will undoubtedly soon be the device of banks.
To put it differently, when you take a have a look in a bank, you will find a lender and its distinct structure. The lender is part of the entire planet financial strategy. In the least, this is what the majority of banks have been used to presume.
Banking can be a very essential function in all economies. The bank gives loans and creates capital. Furthermore, the lender additionally manages and modulates the flow of funds within a country.
A bank’s main use is to create and take care of a pair of funds. The entire banking strategy enables persons to receive money and gets money’s obligations.
A bank can be a part of the economy. With no lender, a country wouldn’t be able to acquire needed capital. This is especially valid in times https://tyler.temple.edu/temple-contemporary of catastrophe, when a country requires money and cannot get into the private industry.
It is Even though a lender creates capital. The government usually imposes strict regulations on banks to stop their incorrect utilization. In the event the lender is found to be abusing its power, the bank may be thesiswritingservice.com taken over by the government and force it to clean up its act.
A bank’s industry worth is determined throughout the provisions. If a bank to give cash to someone is wanted by the government, it will tell the bank that it needs a certain quantity of cash to produce sure arrangements.
In the event the bank failed to receive the mandatory level of money then the bank would reduce its ability. In most states, the federal government reserves the privilege to offset or include requirements to this lender loan contract. So, banks are required for the smooth functioning of the country.
A particular bank is had a need to create a enterprise. There could be no business sector. This is something that we should all consider when it comes to what is that a strategy in science.


Intro: If you’re thinking about borrowing against the equity in your home, you may wonder if a cash-out refinance or a home equity loan is the better option. Here’s what you need to know about each one. A cash-out refinance lets you borrow more than your current mortgage balance and use the extra money for whatever you want. A home equity loan is a
New York Home Owner Information
Being a first time home buyer can be a hassle for certain. Even though it’s exciting, unless you already know exactly how to take care of your home you could soon be overwhelmed.
We’ve compiled this list of articles to assist you in your new home buying process and ownership.
Are you considering selling your house and wondering where you will move if you do? If you’re in New York, there are many different types of real estate that you can choose from. Depending on your budget and what kind of lifestyle you’re looking for, you can find the perfect place to call home. If you’re looking to downsize, plenty of apartments and condos
Intro: Many people are asking if they should buy a home now that the high inflation rate. Artisan Realty weighs in on the matter with some advice. According to their research, homes are still a good investment, but there are certain things potential homeowners need to remember when making such an important decision. For example, it’s essential to factor in how long you plan
The National Association of Home Builders/Wells Fargo Housing Market Index fell 4 points to 64 in July, its most significant drop since October 2014. The index, which gauges builder confidence in the market for newly-built single-family homes, is now at its lowest level since December 2014. “Builders are reporting that buyer traffic has slowed in recent months, which is impacting sales and leading to
Moving to any place can be a stressful event. But there are certain things you can do to make the transition a little easier – like deciding whether it’s better to buy a big or small house. A Fidelity National Financial subsidiary IPX1031 survey reveals that most Americans prefer a small house. The survey asked 2,006 individuals, and more than half of the respondents
The coronavirus pandemic has greatly impacted the world in many aspects – from how we work to how we socialize. The real estate industry is no exception. Though the pandemic has caused a slowdown in the market, buyers are still looking for homes – they’re just being more selective about what they’re looking for. Owning a home in Rockland County, New York, is a


Euro-zone youth unemployment will remain elevated for at least the next half-decade, the International Labor Organization said Tuesday, forecasting a small reduction in the jobless rate will come from young people withdrawing from the labor market instead of stronger hiring activity.
The Geneva-based agency of the United Nations projects that 15-to-24 year-olds in the 17-member economic bloc will face jobless rates of nearly 22% in 2013 that will dip modestly to 21.4% in 2017. In the U.S., youth unemployment is forecast to fall from 17.4% this year to 13.3% in 2017.
Long-term youth unemployment has long-term consequences for young people and for businesses, according to the ILO and other labor market experts.
Read it all.
Filed under: * Culture-Watch Young Adults * Economics, Politics Economy Labor/Labor Unions/Labor Market The Credit Freeze Crisis of Fall 2008/The Recession of 2007-- * International News & Commentary Europe --European Sovereign Debt Crisis of 2010
Posted September 4, 2012 at 4:34 pm
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I assume you mean not having the percentage for Working Area overheads under options C, D and E.
For me, it is more realistic Prices because the risk - which could be both threat and opportunity - associated with this percentage is removed. That might mean higher Prices or lower Prices but - all other things being equal - will probably mean that real costs are closer to Defined Cost are closer to the Prices. This applies to both forecasts at tender and actuals at out-turn.
Suggest you post this on the BuilltIntelligence LinkedIn NEC forum as it is a good point for discussion.
Probably wont alter tendered total of Prices too much, but will obviously affect the fee percentage as the element for recovery of people/working area overhead will now have to be included within the single fee. Therefore you will see a slight increase in that fee percentage (actually you wont as you wont know what it would have been for any future tender) but overall the attempt would be for a Contractor to get back to the same financial point you were with more than one fee percentage.
This is about redistribution of fee rather than additional/reduction. Will be easier to administer, but more difficult for Contractor to get right in the first place in a competitive tender situation.


Serbia’s budget for 2023 is insufficiently transparent in the part that relates to the costs incurred due to the poor performance of public companies, primarily Elektroprivreda Srbije (EPS), and citizens are still without the opportunity to influence priority investments, Transparency Serbia (TS) assessed.
In the statement, TS reminds that the Fiscal Council, in its assessment of the budget proposal, indicated that the Government did not clarify how the losses of EPS and Srbijagas occurred and how the approximately one billion euros intended for those companies will be spent.
The budgetary costs for EPS are the result of “primarily the disastrous management of this company in previous years, and not the world energy crisis”, emphasizes the analysis of the Fiscal Council.
Transparency Serbia states that for years it has been pointing to a problem with party appointments, mainly of acting officials to top positions in public companies, which has turned into open illegal management, with the assessment that the budget proposal for 2023 shows the price of such non-domestic business.
The Fiscal Council also indicated that the system of selection, implementation and monitoring of infrastructure projects in Serbia should be significantly improved and made more transparent.
In this regard, TS points out that citizens do not have the opportunity to express themselves about which projects are priority and whether they agree that the state should incur additional debt for their implementation, stating that prioritization is not regulated by law, and justification analyzes are often not publicly available.
“Serbia can look at what other countries are doing, but it can also look up to its own local governments, where in dozens of cities and municipalities there are excellent mechanisms for consulting citizens on what the priorities are, above all when it comes to capital projects.” indicates TS, Insider reports.


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Post Oak Energy Capital is a private investment firm focused on growth capital investments US energy companies. Specific areas of interest include exploration and production, oilfield services (manufacturing/distribution), and midstream/related infrastructure assets. Post Oak Energy Capital is based in Houston, Texas.
|Overall||13 of 28|
|Sector (Oil/Gas Exploration)||8 of 20|
|Type (Buyout (LBO, MBO, MBI))||9 of 10|
|State (Texas)||7 of 18|
|Country (United States)||13 of 28|
|Year (2013)||2 of 4|
|Size (of disclosed)||1 of 2|
Hempstead, Texas, United States
Refinery Specialties, Inc. (RSI) is a privately held Hempstead, Texas-based oilfield service company focusing on formulating, blending, selling and providing technical support for the use of process and production treating chemicals for the oil field, including production, pipeline, refinery, and gas plants.
Maverick Brothers Resources LLC
Enid, Oklahoma, United States
Maverick Brothers is a privately held oil and gas exploitation and production company involved in the horizontal development of oil and natural gas properties located in western Oklahoma.
Ridgemont Equity Partners is an independent private equity firm specializing in middle market buy-outs, corporate divestitures, recapitalizations and growth capital investments. The Firm targets to invest in companies located in North America, preferably in US and Canada. REP looks to invests $25 - $100 million in companies with EBIDTA of $5 - $30 million. The Firm seeks to hold both majority and minority equity interest in portfolio companies. Specific areas of interest include basin industries and services, energy, healthcare, telecommunications, media and technology. Ridgemont Equity Partners is a spun-off of Banc of America Capital Investors (BACI). Ridgemont Equity Partners was formed in August 2010 and is based in Charlotte, North Carolina and has additional offices in Dallas, Texas.
|Overall||86 of 117|
|Sector (Oil/Gas Exploration)||7 of 12|
|Type (Buyout (LBO, MBO, MBI))||41 of 48|
|State (Texas)||18 of 24|
|Country (United States)||72 of 103|
|Year (2013)||2 of 4|
|Size (of disclosed)||17 of 19|
Unitex Oil & Gas LLC
Midland, Texas, United States
Unitex Oil & Gas LLC is an upstream exploration and production company. Unitex Oil & Gas was established in 2003 and is based in Midland, Texas.
Tucson, Arizona, United States
Simpleview offers integrated products and services for destination marketing organizations (DMOs), including the industry’s most advanced customer relationship management (CRM) platform and content management system (CMS), forecasting and reporting tools, websites, mobile sites, search engine optimization and interactive marketing services.


While every other industry in the world is adopting ways for a sustainable future, the fashion industry still contributes 10 percent of global greenhouse gas emissions. Therefore, there is an urgent need to promote a sustainable fashion industry.
Sustainable brands are the need of the present. And fortunately, many brands are coming up with ideas that promote sustainability. From recycling to transparency, here are the latest trends for sustainable fashion.
Table of Contents
List of most significant trends for sustainable fashion
In recent years there has been an unprecedented increase in trends for sustainable fashion. Fashion brands have moved on from harmful production techniques to eco-friendly alternatives. So, here are the top 6 latest trends for sustainable fashion.
One of the oldest ways to achieve sustainability, recycling is the process of transforming waste into reusable products. Fashion brands have used this concept of recycling and adopted several methods to deal with the waste generated in the industry.
Therefore, numerous fashion brands have endorsed innovative methods like donations for credits, resale auctions, and repair schemes. These brands use old clothes, donated or given for repair, to produce new clothing.
This process, known as fabric recycling, is adopted by fashion brands like Nike, Ecoalf, and Patagonia to manufacture stunning clothes.
2. Use of environment-friendly materials
Methods like recycling, renting, and resale will be inefficient if the fashion industry keeps on using materials that are harmful to the environment. The fashion industry knows it and therefore has started to use biodegradable materials
Fashion brands like Pangaia have shifted to natural dye instead of artificial alternatives. Since bacteria-based natural dye doesn’t cause water pollution and damage to the environment, it is a very environmentally-friendly method of producing fashion products.
This brand has also started using ‘smart’ fabrics that are biodegradable. It is a significant step towards a sustainable future because dyed cotton and other synthetic fibers are one of the main contributors to water pollution. Similarly, many other fashion brands have turned to natural fiber like grape leather instead of synthetic or animal-based leather to ensure a sustainable future.
3. Rental Clothing
Have you seen anyone wearing their wedding dress ever again? Like wedding dresses, many other dresses are worn on special occasions, after which they are unlikely to be worn again. The fashion industry has identified this pattern and has actively taken steps to minimize such usage of clothing.
Now, you can find many fashion rental sites like HURR and Rotaro that provides customers with glamorous dresses for special occasions on rent. And since these dresses are available for a lower price, the trend of renting clothes has grown over the years.
4. Popularity of resale
Over the past few years, the rental market is not the only business that has experienced significant growth. The resale market has also witnessed a surge of over 20 percent in the last five years. We can see this trend because resale-based fashion sites like Depop or Vinted have witnessed exponential growth in popularity in the past decade.
Moreover, customers prefer to buy second-hand products from resale sites because these second-hand products are of good quality with a much lower price tag. This trend of wearing second-hand products is called thrift fashion. Also, customers can purchase the clothes worn by celebrities at a lower price using resale sites, which is another reason for the growing popularity of thrift fashion.
5. Reusable packaging
Just focusing on environment-friendly clothing will not lead to a sustainable future. We also have to pay attention to the damages caused by single-use packaging. More than 90 percent of fashion packaging is thrown away as waste after product purchasing. Thus, waste generated due to single-use packaging is one of the main risks to the environment.
Fashion brands around the world have identified this threat. And brands like H&M and Bestseller have shifted to reusable environment-friendly packaging instead of plastic packaging. In addition, many brands like Gucci have taken this need for change as an opportunity to promote reusable packaging bags as a style symbol.
With the growing demand for sustainable fashion, many fashion brands have started greenwashing customers. It means that fashion brands promote their production methods and products as sustainable when they are not. It has led people to lose their trust in many fashion brands and they started demanding more transparency from the entire fashion industry.
Therefore, in response to the growing distrust, ideas like “product passport” and “sustainability certificate” are utilized by many fashion brands. A product passport provides information about a product that helps customers to determine the product’s sustainability. On the other hand, a sustainability certificate validates a fashion brand that claims to be sustainable.


a) Hungary / b) Constitutional Court / c) / d) 25-04-1997 / e) 22/1997 / f) / g) Magyar Közlöny (Official Gazette), 35/1997 / h) .
Keywords of the Systematic Thesaurus:
Sources - Techniques of review - Concept of constitutionality dependent on a specified interpretation.
General Principles - Relations between the State and bodies of a religious or ideological nature.
Fundamental Rights - Civil and political rights - Freedom of worship.
Fundamental Rights - Economic, social and cultural rights - Right to education.
Keywords of the alphabetical index:
School, church, state budgetary contribution / School, denominational.
It is a constitutional requirement that in addition to the compulsory budgetary contribution, the state or the local authority should provide schools owned by the church with additional financial assistance in proportion as these schools assume duties which would otherwise be carried out by the state or the local authority.
The petitioner initiated an ex post facto review of a provision of the Public Education Act ("the Act") according to which the amount of financial assistance provided by the state and local authorities to schools not owned by the state or local authorities depends on the level of duties fulfilled by this kind of school which would otherwise be carried out by the state or the local authorities. Under these provisions, the state can provide these schools with additional assistance besides the compulsory budgetary contribution. The compulsory budgetary contribution defined by the Act covers only 63-64 per cent of the expenses of the operation of these schools, the rest of this expenditure should be covered by the church itself. For schools not owned by the state or local authorities, there is a possibility to conclude a public education agreement with the Government. As a result of this agreement, education will be free of charge. It is possible to conclude such an agreement with the Government if the schools owned by the church undertake duties which would otherwise be carried out by the state or local authorities. The decision whether to provide these schools with additional financial assistance is therefore at the discretion of the local authority or the Minister of Culture and Public Education.
The Constitutional Court held that this provision of the Act could be interpreted unconstitutionally due to the discretionary power the state has in this case. Therefore it can be applied only in accordance with the constitutional requirement declared by the Court in its current decision.


How much does it cost to get penetrated by a data breach? Much more than you might expect.
When an intrusion occurs, the potential costs can include:
- Forensic activities to assess the incident’s scope, and find the exploit that allowed the intrusion.
- Remedial measures taken to close whatever holes were found.
- Most importantly, the lost revenue from existing customers who leave, and potential customers who will no longer consider purchasing from you.
Additional problems can occur as well. For example, public companies can experience falling stock prices. Companies in regulated industries such as health care can be fined. And so on.
Setting aside industry-specific costs, what are the typical damages across all organizations? Unsurprisingly, the average cost of a data breach has risen over the last few years.
According to a report from IBM and the Poneman Institute, the average cost of a successful data breach has risen to $4 million. This represents a rise of 29 percent in just three years.
On average, organizations lose $158 per compromised record.
The toll is even worse for regulated industries. For example, healthcare organizations lose an average of $355 per compromised record. This is the result of fines, along with a typically higher amount of lost business after the publication of the breach.
But probably the worst recent example of punishment for inadequate security is that of Yahoo.
Earlier this year, Yahoo announced the discovery of a 2014 breach, which exposed data from at least 500 million users.
Now Yahoo has announced the discovery of an earlier, even worse breach. In 2013, over one billion accounts were compromised, in an attack that was “likely” distinct from the other.
After this announcement, shares of Yahoo Inc. lost six percent of their value. Over $2 billion in market cap was lost.
Nor is this the worst news for Yahoo. Verizon is now threatening a lawsuit to force different terms on its planned $4.8 billion buyout of Yahoo assets.
So what can be learned from all this?
Simply this: that inadequate web security can, quite literally, cost billions of dollars.
Robust web security is a vital part of doing business today. Cybercrime is a permanent, omnipresent threat.
Organizations must plan accordingly.
Photo credit: Helloquence


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The Austrian Association of Temporary Employers (VZA), has elected Alexander Praschek as new President. Previously Praschek was, as Vice-President, in charge of the Association's international relations.
It will be a priority for Mr. Praschek to further extend international relations with other temporary employment associations via the International Confederation of Private Employment Agencies (Ciett). Praschek said "faced with the opening of the labour market [in 2011 to Eastern European staffing agencies] VZA must actively contribute to building a framework for the future labour market of Europe."
Mr. Praschek has a degree in business studies. He joined staffing agency Bueroring Personalmanagement GmbH in 1993 where he became Managing Director in 1997.


Did you know that fewer than half of women will have a successful pregnancy on their first round of IVF?
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|ARC® PACKAGE NAME
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|1 retrieval and up to 2 embryo transfers (fresh and/or frozen)
|2 retrievals and up to 4 embryo transfers (fresh and/or frozen)
|3 retrievals and up to 6 embryo transfers (fresh and/or frozen)
|Average Package Price*
|Average Cost per transfer**
*Average package price and product offerings vary by clinic.
**Cost per transfer assumes that patient was able to realize all transfers (attempts) included in package.
Use the ARC Affordability Estimator to calculate your own probability of success and to help to choose the right IVF multi-cycle program package!


International Business Machines (IBM) has named Gary Cohn, the former economic adviser to U.S. President Donald Trump and ex-Goldman Sachs Group president, as vice chairman.
IBM announced Gary Cohn will be part of IBM’s executive leadership team and will work in the areas of business development, client services, public advocacy and client relationship management.
Gary Cohn served as Trump’s top economic adviser between January 2017 and April 2018 and before that was president and chief operating officer of Goldman Sachs for a decade.
He spent 26 years with the bank and last month said he will make a charitable donation instead of giving back compensation to Goldman Sachs as penance for the Wall Street bank’s involvement in Malaysia’s 1MDB sovereign fund corruption scandal.
Gary Cohn last year raised $720 million in an initial public offering (IPO) for a blank-check acquisition company. He has made investments across the cybersecurity, blockchain infrastructure, regulatory technology and medical technology sectors.
Gary Cohn will work in partnership with IBM CEO Arvind Krishna and the IBM Executive Leadership Team on a range of business initiatives and external engagement, in areas including business development, client services, public advocacy and client relationship management.
“Gary Cohn is a globally respected leader with deep experience operating at the center of business and government,” said Arvind Krishna. “As a senior representative of IBM, his knowledge of technology and business transformation, combined with policymaking expertise, will bring unique value to our clients and stakeholders as we accelerate our hybrid cloud and AI strategy.”


"SPEND NOW, WORRY ABOUT THE DEFICIT LATER"
February 15, 2009
Currently, the mood by the leadership in Washington is to spend well over a trillion dollars on stimulus and bailouts NOW and worry about the deficit LATER. It is sheer madness to spend this staggering amount of money when there is no proof it will re ignite our economy and no thought has been given as to how we are going to recoup this money. This Keynesian idea that the government can create prosperity simply by spending without changing long-term incentives is putting a band-air on a wound which requires stitches. It appears that any deficit of the past is poised to be sharply dwarfed by what is about to occur. The future of this generation and the generations to come are poised to be frozen into a bigger than life insurmountable mortgage.
Government stimulus plans and regulations are based on force feeding new money into the economy in order to increase demand and thus production. But face the facts, where does government get the money in the first place? The government does not have its own nest egg stashed away. Every dollar it plugs into the economy must first be borrowed or taxed from some source. What government does is it takes hard earned money from a group of cash earners and redistributes it to another group but no new money is created.
Governments cannot create new purchasing power. Clearly, when Congress funds a staggering amount of new spending with tax payer money, it is redistributing exiting income. When the logic of Congress is to borrow or tax billions from one group of people and then gives it to another group of people and tell us we are wealthier or more patriotic because of that, their explanation defies logic. Furthermore, if the money is borrowed from American investors, those investors will have that much less to invest or to spend in the private economy. And, on the other hand, if the money is borrowed from foreigners, the balance of payments must still balance. That means reducing net exports through exchange-rate adjustments, thereby leaving net spending on the economy unchanged. Can it be that partisan politics trumps economics principle? A well respected economist Irwin Seltzer notes, we have gone from a market-driven economy to a politically driven economy.
What we need strategically and immediately is growth in the economy. Economic growth is the increase in the amount of the goods and services produced by an economy over time. It is the private sector-–not public spending—-which drives growth. Economic growth comes by individual and entrepreneurs operating in the free market, not by Washington spending and regulating. Massive spending hikes in the 1930's 1960's and 1970's all failed to increase economic growth rates. That fact has been established.
From the perspective of noted economists, the best way to stimulate the economy is to make the tax cuts permanent, to lower corporate tax rates, and to expand domestic energy supplies. Tax cuts give incentives to work, save, and invest, thus creating jobs and increasing economic growth. It is significant to note that most recessions are led by a reduction in investment. This recession has been led by a reduction in net exports, consumption and investment. We believe the key is to make long-term investment more attractive by doing things which attract foreign capital and make the United State a more competitive location to do business and this includes lowering the corporate tax rate. Other ways to make the United States more competitive would include eexpanding drilling for oil, shale, and natural gas which will cause energy prices to fall and create private real private sector jobs without artificial ineffectual government pump priming.
History at home and abroad demonstrated that strategies relying on increased spending to stimulate the economy just do not work. Indeed, such lessons suggest that such strategies make things worse by diverting scare resources away from productive use in the private sector. We only need look at Japan in the 1990's. Japan rapidly increased government spending was an effort to recover from its economic downturn. In reality, it led to slow growth, low industrial production, and a decline in the overall standard of living and, at the same time, it whirls the deficit out of control. That is the direction in which we are now headed and a major paradigm shift into socialism is about to occur. Capitalism has not failed us, Government has failed us. All the warning signs at Fannie Mae, Freddie Mac, Lehman Brothers and Bear Stearns existed years ahead of the final day of reckoning. Yet our regulatory agencies and Congress let us down. While this may sound harsh, we are terribly disappointed in the recent turn of events. Republicans deserved to lose in 2006 because they chose pork-barrel spending over the taxpayers. Then, the Democrats rose to power and have proven to be as hollow and self-serving as their corrupt Republicans predecessors. To substantiate this, we reviewed the Congressional Budget Office critique of the $365 billion in the so called "stimulus" legislation. Or is it "porkulus"? Of the $355 billion which the leaders of the Democratic Party claim we need IMMEDIATELY, ONLY $26 billion of it will be spent in 2009. How can any elected official claim that $329 spent in 2010 and 2011 do anything to improve our current economic situation?
And now, with all the shenanigans in Washington today, surely, the generations to come will look back and know that the newly elected governmental leaders of 2009 in Washington could care less about the "frozen in deficit" generations of the future. We can only be thankful that OUR fore bearers of years past thought more worthily of us. And that is how we see it FROM OUR PERSPECTIVE.


We’ve done some of the work for you. We homed in on five of the biggest electric companies in Pennsylvania: Constellation Energy, Direct Energy, FirstEnergy Solutions, Green Mountain Energy, and Just Energy. We compared their plans, rates, special offers, and philanthropies, then dug into the contract fine print to uncover sneaky fees and the truth about discounts. Because most providers offer a range of options, we also looked at the companies behind the plans — paying attention to their corporate impact, customer service reputation, and customer resources in particular.
That means that customers in Houston paid an average of $5,500 more for electricity over a 14-year time span beginning in 2002, according to the group that buys electricity on behalf of municipal governments in Texas. The calculation, which uses data from the U.S. Energy Information Administration, assumes monthly electricity use of 1,300 kilowatt hours.
CenterPoint Intelligent Energy Solutions LLC, IES, which manages TrueCost, is not the same legal entity as CenterPoint Energy Resources Corp. (CERC) or CenterPoint Energy Houston Electric, LLC (CEHE), nor is IES regulated by the Railroad Commission of Texas or the Public Utility Commission of Texas. You do not have to buy products or services from IES in order to continue to receive quality regulated services from CERC or CEHE.
There are many reasons for this but I’d like to focus on African power utilities. Power utilities are a very important part of the chain for delivering electrical power to end users. One of their key roles is to purchase power that has been generated by others, sell it on to end-users and to collect revenues. They are vital for extending grid-based power to consumers and to ensure regular and efficient power supply. As they collect money from end-users and pay it on to other players in the system, they are also vital in ensuring money flows through the entire power sector.
Variable rate plans are always month-to-month, save for three-month intro specials in which your rate stays the same for those early months. Fixed rate plans, on the other hand, are available for periods ranging from six to 36 months. The contract lengths, and how that length influences the price per kWh rate, varies enormously from company to company. Some companies offer lower rates when you enroll for longer periods. Others raise the rate slightly. The competing rationale: You will be paying them for longer so you get a break, or you have that price locked in when energy rates inevitably rise. One rule of thumb — the longer the contract, the higher the cancellation fee.
If you spend most of your leisure time out of the house, none of these plans will do much for your bottom line. But if home is your favorite place to be, you could profit. Based on the estimates of energy companies, most people use about 31% of their total energy on the weekends. If you go through the average 1,000 kWh per month, you'll get about 310 kWh for free. Using data compiled by the EIA, we estimated 30% of average total energy is also used during evenings (including weekend evenings), working out to about 300 free kWh.
Statement regarding savings: How your price compares. This is usually a generic statement that you may or may not be getting a better price than you would from the utility company, also known as the Electric Distribution Company, or EDC. Your local EDC sets a “price to compare” and any competitors’ plan may be lower or higher by several cents a kWh.
With the power to choose a supply plan, shopping competitive Texas electric rates could potentially save you money on your monthly electricity bills. TexasElectricRates.com can help you compare retail energy companies in Texas, finding the supply plan that is right for you. Best of all, there isn’t any risk when you shop Texas electricity. Simple enter your ZIP code to start finding electric supply rates in your area.
Residents and businesses that pay directly for their electricity (ratepayers) can use Energy Choice DC to learn more about their purchasing options and the companies that provide electricity aggregation services in the District. Ratepayers connect with a broker who will collect necessary information from them and use that information to seek competitive pricing on electricity, including options for conventional electricity and electricity generated from renewable sources. The broker then presents the negotiated rate to ratepayers, who sign a contract with the selected third-party supplier, for a term of one to three years, and pay a monthly electricity bill based on a consistent rate during that period.
One of the most common sticking points for electricity customers is what, exactly, the difference is between an electricity provider (also called REP, CRES, or electric supplier) and an electric utility (also called a TDSP, TDU, or EDU). They’re both vital to the success of electricity deregulation, but they play very different roles. Understanding how they fit together can make a big difference in your overall confidence as an electricity customer trying to shop for the best electricity plan.
Electric companies in Maryland post their rates for residential customers on their web sites. See list of electric company web sites in the column at left. To find out about the rates offered by electricity suppliers in your area you will need to contact those suppliers directly. The Maryland Public Service Commission maintains a list of licensed electricity suppliers at: http://webapp.psc.state.md.us/intranet/supplierinfo/electricsupplier_new.cfm.
Nebraska is the only state that generates electricity entirely by publicly-owned power systems. As of 2017, the statewide average electricity price is the sixteenth-lowest rate in the country, based on the latest federal figures. Nationally, electricity costs 15 percent more than it does in Nebraska. Across all sectors, Hawaii has the highest electricity rate (26.07 cents), and Louisiana has the lowest electricity rate (7.75 cents).
Texas currently produces and consumes more electricity than any other state in the country. This energy consumption is due to its size, but the ample land makes it a major producer of wind power – a renewable, or green, energy source. The environmentally friendly energy created by wind power is available to many Texas residents to supply the electricity in their home or business.
Around 85% of Texas residents must choose an electricity provider. Utility companies transmit and distribute electricity to customers. But that electricity doesn’t come from a utility—it comes from companies known as Retail Electric Providers. These providers offer competitive plans based on electricity pricing, term length, renewable sourcing and more.
If you’re on a fixed rate tariff with your current supplier, check to see if there’s an exit fee for leaving the contract early. If there is, you’ll need to factor this cost into your price comparison as it could swallow up some of the potential savings. If you can supply your tariff name when you get a quote, we can take your tariff into account when showing you the savings you could make.


Enter the characters you see below Sorry, we just need to make sure you’re not a robot. Why do I have to complete a CAPTCHA? Completing the CAPTCHA proves you are a human and gives you temporary access to the web property. What can I do to prevent this in the future? If you are on a personal connection, like at home, you can run an anti-virus scan on your device to make sure it is not infected with malware. If you are at an office or shared network, you can ask how Should You Invest One Million network administrator to run a scan across the network looking for misconfigured or infected devices. Another way to prevent getting this page in the future is to use Privacy Pass.
Check out the browser extension in the Firefox Add-ons Store. What’s Bitcoin exactly, and should I invest in it? A link has been sent to your friend’s email address. A link has been posted to your Facebook feed. If you don’t prepare, it might vanish forever. A general view of the Bitcoin booth at the 2015 International CES at the Las Vegas Convention Center on Jan. Bitcoin, the best-known of the upstart digital currencies, is still a mystery to many Americans.
But its price is soaring so high into the stratosphere that it’s being compared to mega asset bubbles of the past and gaining widespread publicity just like Nasdaq’s exuberant internet stock rally back in the late 1990s, and the U. 11,000, making it the most valuable player in the mushrooming space for so-called cryptocurrencies. Or because Bitcoin bulls say it is a misunderstood new asset class that has a lot of potential. Believers in Bitcoin say it’s the money of the future, a digital alternative to the dollar or euro or yen. Non-believers say it’s not real money. Some investment pros say it’s a new asset class, no different from a stock, a bond or an ounce of gold, and that it has great investment promise. Skeptics say it’s not an investment because there’s no good way to value it.
Bitcoin is a digital currency and digital payment system that allows people to send and receive Bitcoins — or digital tokens — to anyone, anywhere in the world. It runs on a decentralized network of computers in which all transactions are recorded, verified and updated by technology known as blockchain, which is akin to an online public ledger. Unlike traditional payment networks such as Mastercard, Bitcoin isn’t owned by anyone. An easy way to get started is to set up an account with a Bitcoin exchange, such as U.
Coinbase, which allows you to purchase Bitcoins with money from your bank account or credit card. And just as the New York Stock Exchange is a place where you can buy and sell stocks, such as Apple or Amazon, these exchanges will let you trade cryptocurrencies. Bitcoins purchased on an exchange or received in a transaction can be stored and accessed in a so-called “Bitcoin Wallet,” which is like a bank account. A Bitcoin Wallet lets you receive Bitcoins, store or save them and send them to others. There are apps that allow you to install a Bitcoin Wallet on your computer or mobile device. Where can I spend it, and what can I buy with it? You can spend your Bitcoin at any retailer set up to accept it as money.
How Should You Invest One Million More information…
Founded in 1993 by brothers Tom and David Gardner, he says owning a basket of cryptocurrencies how Should You Invest One Million better than owning just Bitcoin. How Should You Invest One Million BEACH: A beach, you’ll have to apply and pay for a home equity loan which carries costs plus interest. If you want to live an easy life and not have to deal with buying and selling stocks just buy houses and put them for rent, the business model originated in Sweden in 2007 and it quickly gained popularity throughout Europe. What would you do if you had a million dollars? I will invest half of that in real estate, which allows you to purchase Bitcoins with money from your bank account or credit card.
But Bitcoin hasn’t yet enjoyed widespread adoption, and those retailers that do accept it are mostly set up online. You can use Bitcoin to buy more than 1,000 products at discount retailer Overstock. The price is determined by supply and demand — and market forces. The Bitcoin supply will be limited to 21 million, and currently there are roughly 16. Whether Bitcoin rises or falls in value depends on whether investors believe it will gain widespread acceptance, whether it can avoid being shut down by governments and whether it can continue to dominate the digital currency market or be surpassed by one of more than 1,300 other cryptocurrencies. Bitcoin has so much flavor of the month because it is a relatively new alternative currency demanded by hackers.
What do investors need to know about Bitcoin? Bitcoin has gained most of its notoriety as an investment. But one of Bitcoin’s downsides is that it has proved to be wildly volatile. That rapid ascent has been accompanied by wildly different prognostications about Bitcoin’s future. Bulls such as Thomas Lee, founder of Wall Street firm Fundstrat Global Advisors, see promise. 11,500 by the middle of 2018, which is near current levels.
He also sees a growing interest from big institutional investors. But there are some big bears out there. Right now, cryptocurrencies are kind of a novelty. But where Dimon sees trouble, others see profit-making opportunities. Bitwise Asset Management, a San Francisco-based start-up, has introduced a new cryptocurrency investment fund.
The Bitwise HOLD 10 Private Index fund tracks the top 10 cryptocurrencies weighted by market cap, including No. 1 Bitcoin and others such as Ethereum, Ripple, and Zcash. Bitwise co-founder Hunter Horsley says it makes more sense for investors to be able to buy a basket of cryptocurrencies to reduce risk through diversification. Poor’s 500 stock index tracks the largest U. He says owning a basket of cryptocurrencies is better than owning just Bitcoin. There are now at least 55 crypto-focused hedge funds, according to financial research firm Autonomous Next.