You've possibly seen that your electrical expenses are damaged down into two main components if you're an New Hampshire homeowner. One is supply, where your electricity stems, and also the other is circulation, how it arrives to your home using the physical power lines.
Based upon the chart over, electrical prices in the U.S. have been continuously boosting over the previous decade. Assuming this fad continues, the ideal way to protect on your own from increasing prices is to switch over right into a 12-month or 24-month strategy and lock into a reduced price.
It's been over 10 years because New Hampshire deregulated electrical energy in the state, which opened up the markets for alternate electric providers to generate power for citizens as well as business consumers. The designated result was to make use of an open market to assist drive down the expense of energy. Until now, both officials and consumers consider deregulation a success in New Hampshire.
Each supplier has actually shown the customer teams it means to serve as well as the utility areas where it means to perform organisation. The information in the tables listed below is based upon representations made by the provider. It might take some time prior to a distributor begins actively marketing to those planned customer teams and also utility locations. You need to go to the vendors' websites or contact them by phone for the most current information.
Local Electric Company New Hampshire
Wondering what all the ads for selecting an electrical supplier are concerning? During the 1990s, the New Hampshire Legislature took steps to give electrical supply selections to electrical customers. It took a while, nevertheless, for a competitive electrical energy supply market to establish, with alternatives for larger business as well as commercial consumers happening sooner than those for smaller industrial as well as residential consumers. Today, there are numerous business, called affordable power distributors, registered to provide energy to your residence or company. The Compensation's web site lists all the affordable energy distributors doing company in New Hampshire. A comparison of the costs as well as products supplied by affordable energy providers is likewise available.
Based upon the chart over, electrical rates in the UNITED STATE have been progressively enhancing over the previous years. Thinking this fad continues, the ideal way to secure yourself from enhancing prices is to change right into a 24-month or 12-month plan and lock into a reduced rate.
Electric companies recognize this as well as are aiming daily to discover methods to decrease their power prices so they can pass the savings on to their clients. In enhancement to providing you with dependable and also budget friendly service, top power business are additionally looking for new sustainable power sources that will all at once assist the atmosphere and lower your electricity expenses.
Around 2010-2011 New Hampshire electrical energy decontrolled market took off with low power costs as well as the variety of new vendors servicing the area. All-natural gas has ended up being so affordable that variety of nuclear power plant started contending fiercely to offer their excess supply. It additionally led to challenging bidding process by seller plants on the power system, cutting the plants' margins, but significantly benefiting the end-customers.
Concord is the resources of New Hampshire with a populace of over 42,000 since 2016. Concord has 2 utilities that offer power to their citizens, Unitil and Eversource Power. Liberty Utilities is the gas energy of all Concord services as well as locals. The ordinary electricity rate in Concord, NH is over 13% much less than the remainder of New Hampshire as well as 17% less than the nationwide average.
Do not throw away way too much time contrasting NH power costs when you ought to be enjoying your day elsewhere. We'll make it easy for you with our electric rates for your New Hampshire residence. You no much longer require to count on energy distributors in New Hampshire.
For several individuals, the most important point to compare when buying electrical power is the cents/kWh rate. If this holds true, you'll wish to locate a retail electrical power company that uses a reduced rate than what you are currently paying, which is described as the Price-to-Compare and can be found on your present utility expense. Remember, even a small difference can cause big cost savings. However, some may be looking to a much more eco-friendly renewable resource strategy. We do our ideal to locate the ideal prices and also best eco-friendly energy plan for you as well as put them on top of the results page.
The Compensation's website listings all the competitive energy providers doing service in New Hampshire. A comparison of the prices and products supplied by affordable power providers is also available.
You will not be billed by your local energy for switching over to an energy supplier. Nevertheless, some power service providers in New Hampshire may require a deposit prior to you start your supply strategy. The quantity of this deposit could be reliant on your current standing with the neighborhood utility or your credit history. Deposits can alter from provider to supplier-- also prepare to prepare. When joining, make inquiries regarding your selected vendor's deposit need as well as any type of in advance prices for a more clear photo.
Consumers don't need to take component in energy choice. If you decide to give up receiving power from a provider, your energy business will certainly stay in charge of all three power solutions: transmission, distribution and generation. Despite who you select to purchase your power supply from, the electric companies in New Hampshire will continue to be in charge of recovering power if there is an outage. Prepared to dive in? Enter your ZIP above.
Switch Electric Company New Hampshire
Wondering what all the advertisements for picking an electrical vendor have to do with? Throughout the 1990s, the New Hampshire Legislature took steps to provide electric supply options to electrical customers. It took a while, however, for a competitive electrical power supply market to develop, with options for larger industrial and business customers happening faster than those for smaller sized industrial and property clients. Today, there are numerous companies, called competitive energy distributors, signed up to supply energy to your home or company. The Compensation's internet site listings all the competitive energy providers doing business in New Hampshire. A contrast of the items as well as rates provided by affordable power distributors is also available.
You will not be charged by your local utility for changing to a power vendor. Some energy carriers in New Hampshire might need a down payment prior to you begin your supply plan. The amount of this down payment might be depending on your present standing with the local utility or your credit report. Deposits can transform from provider to vendor-- even intend to plan. When registering, ask regarding your selected vendor's deposit need and any kind of upfront expenses for a more clear image.
For the initial time ever before electric companies are including a range of power plans, consisting of plans that make use of sustainable energy such as wind, solar, and also water-generated electricity. Call today to get quotes on energy costs from top power companies in New Hampshire.
Maybe it's as straightforward as needing affordable electrical suppliers to offer rates that defeat the default or equate to service readily available from utilities. Perhaps we require to forbid affordable vendors from automatically putting customers on a brand-new rate strategy when their initial price bargains end. Or possibly it's time for the Public Utilities Commission to open up a formal examination into whether restructuring has actually benefited our state's electric clients.
Renewable Energy-- Looking to be more ecologically conscious? Numerous providers use partial or 100% renewable electrical power alternatives as well as Renewable resource Certifications (RECs) to citizens and tiny services. While the prices are greater than conventional electric sources, the availability of renewable electrical power has driven costs down and also can commonly be found for much less than the energy's Price-to-Compare for traditional electrical energy.
Deregulation, or energy option, permits you to shop for the generation, or supply, part of your energy expense. Power supply makes up over half of your expense as well as different distributors may offer attractive electric prices in New Hampshire not available by your energy business.
And there is no factor to think a multistate service obtains kinder or even more virtuous simply by crossing the Massachusetts-New Hampshire boundary.
You will certainly not be billed by your neighborhood energy for switching over to an energy provider. Some power carriers in New Hampshire might call for a deposit before you start your supply strategy.
Four electric distribution firms operate in New Hampshire, each offering an equally exclusive franchise territory.
Around 2010-2011 New Hampshire power decontrolled market took off with low energy prices and also the number of brand-new suppliers servicing the area. Gas has actually become so affordable that number of nuclear power plant began contending fiercely to sell their excess supply. It additionally caused challenging bidding process by seller plants on the energy system, cutting the plants' margins, yet substantially benefiting the end-customers.
Renewable Resource-- Looking to be extra ecologically aware? Many carriers provide partial or 100% renewable electricity alternatives as well as Renewable Power Certifications (RECs) to homeowners and also little services. While the rates are more than standard electrical resources, the schedule of eco-friendly power has actually driven costs down and can commonly be found for less than the utility's Price-to-Compare for traditional electrical energy.
New Hampshire began the process of deregulating their power market in 1996 with a costs that was suggested to the New Hampshire Public Utilities Commission. The recommended bill called for the Public Utilities Payment to develop a strategy for an affordable power market and restructure the present utilities by 1998. The strategy was finished by 1997 and prepared for independent retail electrical power suppliers to start using their services to NH locals.
New Hampshire Choose Electricity
A major question you should consider when making a decision whether to switch power providers in New Hampshire is: "What will occur to electrical rates?" This can be a complicated question to address as prices are perpetually in change. In the short-term it's tough to anticipate exactly what will happen to rates, however when considering a longer term image things become a bit a lot more clear.
Company and commercial consumers got on board, switching in full pressure, partially because of a heavy discount rates and rewards used by the alternate electric companies to get footing in the state. Residential clients have relocated at much slower rate. By 2012 only 5% of household customers made the button. The primary reason for not switching is residents merely didn't understand they had the option or recognized exactly how they might take advantage of energy deregulation.
Currently the New Hampshire deregulated markets have grown. A lot more commercial as well as domestic customers are taking benefit of the reduced prices paid for by the deregulation, reducing their power expenses. Do not delay and also begin going shopping for your ideal electric rate NOW.
You might desire to take advantage of your power choice if you're looking to save on your power bill. New Hampshire took on a decontrolled market in 1996 when the state legislature passed RSA 374-F. The act was suggested to urge competition in the energy industry, while guaranteeing clients received the very same trustworthy power distribution solutions provided by electrical companies in New Hampshire. This competition would certainly restructure the power market for both retail and wholesale electricity in The Granite State by dividing energy generation as well as shipment solutions. You might just conserve if you shop for alternative power suppliers in New Hampshire for your residence or company. Enter your ZIP above to see.
Some may be looking to a much more environmentally friendly sustainable power plan. We do our finest to locate the ideal prices and best eco-friendly power plan for you and also put them at the top of the outcomes page.
Compare The Gas And Electricity Prices New Hampshire
Company as well as commercial customers jumped on board, switching in complete pressure, in part due to a hefty price cuts as well as rewards supplied by the alternative electric companies to get footing in the state. The main reason for not changing is citizens merely didn't know they had the choice or recognized how they could benefit from energy deregulation.
Don't throw away too much time comparing NH power rates when you ought to be appreciating your day elsewhere. We'll make it very easy for you with our electrical rates for your New Hampshire residence. You no longer require to rely upon energy providers in New Hampshire.
As of 2017, the statewide ordinary electrical power price is the sixteenth-lowest rate in the country, based on the most recent federal numbers. Across all markets, Hawaii has the highest electricity price (26.07 cents), as well as Louisiana has the lowest electricity price (7.75 cents).
Currently the New Hampshire deregulated markets have actually grown. More industrial and also domestic clients are taking benefit of the lower prices managed by the deregulation, decreasing their energy prices. Do not postpone and also begin shopping for your finest electrical rate NOW.
And there is no reason to presume a multistate service gets kinder or even more virtuous just by going across the Massachusetts-New Hampshire boundary.
If you're looking to conserve on your power bill, you might want to take advantage of your power selection. The act was meant to motivate competition in the power market, while making sure clients received the very same dependable energy distribution services provided by electric business in New Hampshire. If you go shopping for alternative energy carriers in New Hampshire for your residence or business, you could just save.
There are four electrical utilities that offer all of New Hampshire.
Service as well as industrial customers leapt on board, changing in full force, in part due to a hefty discounts and also rewards supplied by the alternative electrical providers to obtain foothold in the state. The key factor for not switching is residents just didn't understand they had the option or recognized how they could profit from energy deregulation.
Concord is the capital of New Hampshire with a population of over 42,000 since 2016. Concord has 2 utilities that offer electrical energy to their citizens, Unitil and Eversource Power. Liberty Utilities is the all-natural gas energy of all Concord companies and also residents. The typical electrical energy price in Concord, NH is over 13% much less than the rest of New Hampshire and also 17% much less than the national standard.
The city of Concord has had the ability to change energy suppliers because 2003 when the state of New Hampshire first opened its doors to independent retail energy providers. In enhancement to offering you with reputable and also affordable solution, leading energy firms are also looking for new lasting power resources that will simultaneously help the atmosphere and also lower your electrical power expenses.
The function of a deregulated energy system is to assist customers conserve money by offering them choices for their energy provider. New Hampshire's state legislature decontrolled the energy market by taking the monopoly away from the local utility firms and also opening up the marketplace up to nationwide, trusted retail distributors. Retail suppliers provide an array of items as well as strategies, such as:
Perhaps it's as straightforward as needing affordable electric providers to supply prices that defeat the default or equate to solution offered from energies. Perhaps we need to ban competitive distributors from immediately putting clients on a brand-new rate strategy when their initial price offers expire. Or possibly it's time for the Public Utilities Compensation to open an official examination into whether restructuring has benefited our state's electrical clients.
Based upon the chart above, electrical rates in the UNITED STATE have actually been steadily enhancing over the past decade. Presuming this fad proceeds, the most effective means to safeguard on your own from raising prices is to switch over into a 24-month or 12-month plan and also lock into a reduced rate.
Electric business understand this and are aiming daily to discover means to minimize their power rates so they can pass the cost savings on to their clients. In addition to providing you with trustworthy and also economical service, leading energy business are additionally looking for new lasting energy sources that will at the same time aid the environment and also minimize your electricity prices.
There are 4 electric energies that serve all of New Hampshire.
Nebraska is the only state that generates power entirely by publicly-owned power systems. As of 2017, the statewide ordinary electrical power price is the sixteenth-lowest rate in the country, based on the newest government figures. Across the country, electrical energy expenses 15 percent more than it performs in Nebraska. Throughout all markets, Hawaii has the greatest electricity rate (26.07 cents), and also Louisiana has the lowest electricity rate (7.75 cents).
Cheap Energy Rates New Hampshire
Today you can shop for lower power prices, more plans and much better customer solution. No matter what you're looking for in an electrical business, Meredith utility service providers are functioning every day to be better at the solutions that matter most to you.
For the very first time ever electric business are including a range of power strategies, including strategies that make use of eco-friendly energy such as wind, solar, and also water-generated electrical energy.
New Hampshire initially started to deregulate their energy market in the late 1990s. It took some time for retail power suppliers to begin providing their solutions to New Hampshire citizens and companies. Today, New Hampshire citizens have many alternatives to pick from for their electrical energy company. Although many inexpensive carriers are beginning to service New Hampshire, their rates are currently 45% greater than the nationwide average. Commercial electricity rates are available in at 34% greater and the industrial electrical energy prices come in at 76% higher in NH over the national standard. New Hampshire organisations as well as locals are hopeful these costs will certainly fall as more retail power companies enter the market.
New Hampshire's utility consumers and also deregulated energy customers will get the very same high degree of solution and also electricity distribution for their homes or businesses. The only difference deregulated energy customers will experience is the rate they pay for their regular monthly energy supply-- this is the rate that you authorized up for with your retail provider.
There are four electrical energies that offer all of New Hampshire.
If you're wanting to reduce your power bill, you may want to make the most of your power choice. New Hampshire adopted a deregulated market in 1996 when the state legislature passed RSA 374-F. The act was meant to urge competition in the energy industry, while making certain clients received the very same reliable energy shipment solutions offered by electrical companies in New Hampshire. This competition would restructure the power market for both retail and wholesale electricity in The Granite State by dividing power generation and delivery solutions. You might simply save if you go shopping for different energy companies in New Hampshire for your residence or company. Enter your ZIP above to see.
Four electric circulation companies operate in New Hampshire, each offering an equally special franchise business territory.
Find Best Electricity Rates In New Hampshire
4 electrical distribution firms run in New Hampshire, each offering an equally unique franchise business area.


UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
CURRENT REPORT Pursuant
to Section 13 OR 15(d) of The
Securities Exchange Act of 1934
Date of Report (date of earliest event reported): September 28, 2021
SANUWAVE HEALTH INC.
(Exact Name of Registrant as Specified in its Charter)
|(State or other jurisdiction of incorporation)||(Commission File Number)||(I.R.S. Employer Identification No.)|
3360 Martin Farm Road Suite 100,
|(Address of principal executive offices)||(Zip Code)|
(Registrant’s telephone number, including area code)
(Former name or former address, if changed since last report.)
Check the appropriate box below if the Form 8-K fi ling is intended to simultaneously satisfy the fi ling obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
|☐||Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)|
|☐||Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)|
|☐||Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))|
|☐||Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))|
Securities registered pursuant to Section 12(b) of the Act:
|Title of Each Class||Trading Symbol(s)|
Name of each exchange on
|Common Stock, $0.001 par value||SNWV||OTC|
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
|Item 3.01||Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard, Transfer of Listing|
In September 2020, the SEC amended Exchange Act Rule 15c2-11, which primarily governs a broker’s ability to submit or publish quotations for securities that trade on the over-the-counter (OTC) markets. In essence, Rule 15c2-11 prohibits dealers from publishing quotations for OTC securities to quotation mediums without first reviewing certain issuer financial information and ensuring that information is current and publicly available before quoting that security.
Under the amended Rule 15c2-11 (the “Amended Rule”), which takes effect on September 28, 2021, current information about an issuer must be publicly available in order for an issuer’s security to become quoted initially, and remain quoted, on one of the public markets (the “OTC Markets”) operated by the OTC Markets Group. According to guidance from the OTC Markets Group, issuers subject to SEC reporting obligations will satisfy the requirements of the Amended Rule if such issuers are current in their SEC reporting obligations in accordance with the provisions of the Amended Rule. Companies that do not make current information publicly available, and thus do not meet the requirements for ongoing quoting, will be shifted to the OTC Markets Group’s “Expert Market.” The Expert Market will be available for unsolicited quotes only, meaning broker-dealers may use the Expert Market to publish unsolicited quotes representing limit orders from retail and institutional investors who are not affiliates or insiders of the issuer. Quotations in Expert Market securities are made available to broker-dealers, institutions, and other sophisticated investors. A company relegated to the Expert Market will be able to reapply for listing on the OTC Markets through the filing of a new Form 211 with FINRA once the Company has made current information available and is in compliance with the Amended Rule. At present, Sanuwave Health Inc. (the “Company”) is not current with its SEC reporting obligations with respect to the Annual Report on Form 10-K for fiscal year 2020 (the “Missed Annual Report”), and the Quarterly Reports on Form 10-Q for the periods ending March 31, 2021 and June 30, 2021 (the “Missed Quarterly Reports,” and together with the Missed Annual Report, the “Missed Filings”).
The Company has been preparing and intends to file the Missed Annual Report when our audit of the Company’s annual financial statements for fiscal year 2020 is completed. In addition, the Company has been preparing and intends to file all the Missed Quarterly Reports and the Company will continue working diligently to complete and file the Missed Filings as soon as possible to become current with its SEC reporting obligations. As soon as possible after it has done so, the Company intends to apply for relisting on the OTC Markets through the filing of a new Form 211. The Company cannot guarantee if its stock will continue to be quoted on the OTC Markets after September 28, 2021. Moreover, if the Company is moved to the Expert Market, there is no guarantee that it will be accepted for relisting on the OTC Markets thereafter.
Cautionary Statement Regarding Forward Looking Statements
This Current Report on Form 8-K contains certain forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995, as amended, based on our current expectations, estimates and projections about our operations, financial condition, results of operations, and liquidity. Statements containing words such as “may,” “believe,” “anticipate,” “expect,” “intend,” “plan,” “project,” “estimate,” or similar expressions constitute forward-looking statements. These forward-looking statements include, but are not limited to, statements regarding expectations and beliefs about the preparation and filing of Missed Filings and the Company’s listing on OTC Markets. Actual outcomes and results may differ materially from those contemplated by these forward-looking statements as a result of uncertainties, risks, and changes in circumstances, including, but not limited to, risks and uncertainties related to: the Company’s ability to complete and file its Missed Filings; determinations of the OTC Markets Group; and the Company’s ability to locate a market maker to file a Form 211 for the Company in the event the Company is moved to the Expert Market. Readers are cautioned not to place undue reliance on these forward-looking statements, which reflect management’s analysis only as of the date hereof. Such forward-looking statements are not guarantees of future performance or results and involve risks and uncertainties that may cause actual performance and results to differ materially from those predicted. Reported results should not be considered an indication of future performance. Except as required by law, the Company undertakes no obligation to publicly release the results of any revision to these forward-looking statements that may be made to reflect events or circumstances after the date hereof or to reflect the occurrence of unanticipated events.
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
|Sanuwave Health Inc.|
|Date: September 28, 2021||By||/s/ Kevin A. Richardson, II|
|Kevin A. Richardson, II|
|Chief Executive Officer|


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For many years, practically since 2004, it began to follow the electricity market and not only the oil market. I have always been struck by the changes in the planning of electricity sources, first more natural gas, then more wind, and then more solar. It did not generate much noise because as demand grew, existing sources did not have to be removed, only coal… well, something more complex but worth the simplification. The issue was always that in order to achieve the objectives of new sources, the source that was to be strengthened was subsidized or encouraged, either through regulated remuneration for investments in networks or through payment at a regulated price for the new renewable electricity that was later charged. as a deficit of the electrical system, so that consumers do not pay in cash the super price that investments in renewables received to encourage their construction.
But since the great financial crisis, the scenario has changed: electricity demand is not growing, but the planes do assume that it will continue to grow in order to increase the demand generated with more renewables. Since then I have not believed any plan, but now we also have to assume that a source disappears, nuclear, which accounts for 20% of current electricity generation, which is decarbonized energy. And, furthermore, the investment for the plan will be private money at risk (as if oil accumulates and there is no electricity).
Thus, the new National Integrated Energy and Climate Plan (PNIEC) has just appeared, which, like a car (well with less exact calculations), has undergone a ‘restyling’ in 2023 compared to the old 2020 model. This new This version is even more daring, to use a somewhat positive adjective, and aiming to reach a goal of 81% generation with renewable energy by 2030, compared to the previous 76%, and a reduction in emissions of 32% compared to 1990, puts a stop to the goal of the 24% of the previous plane.
These objectives of the Plan are based on an environment of such uncertainty that it is better not to have touched them. They raise them after a year in which all the existing remuneration systems for electricity generators have changed, which not only do not have a stable regulatory framework, but also know that the current one is going to change and that they cannot calculate how much to invest. After a year in which instead of importing electricity from France we export it, and in a year or in which it has become clear that there may be problems of security of supply; that we cannot have access to the Chinese materials necessary for renewables or at what price we will have them. One more uncertainty, technologies were introduced that have not been developed or tested on a large scale, such as non-hydraulic storage (batteries), but can this then wait for a National Plan? It would not be better to consider it a voluntaristic writing of the type “I would like to… European champion”.
There is no cost-benefit analysis, nor less expensive or viable alternatives that justify the Plan. The Cost-Benefit Analysis is conspicuous by its absence, it is intended that in seven years 290,000 million will be invested, 53,000 million more than what was foreseen in the previous plan, with this an additional reduction of 27 MTCO2 would be achieved (that is, the cost of reducing emissions is from some doctors €196/tCO2). Of course, it does not point out how this cost could be reduced if the nuclear plants are not closed, nor why “amazing” growth in demand for electrical energy continues to occur for using the terminology of Artificial Intelligence when it does not surprise with some answer that seems nonsense to us. , and in this way ask that more money be spent to achieve nothing profitable
But it is that the Plan is not wasted, thus it indicates that the generation in central bus will grow at 6% and the final demand at 1%. For this, the renewable power has been reached by 30% compared to the previous plan, although the demand has been slightly revised downwards.
In order for this increase in renewable generation to be possible in the Plan, demands that are unlikely must be sought: first, export 40,000 GWh mainly to France in 2030, 5 times the current export! but what’s the point? If we do not know if they are going to need it; and second, so that you invest in something you don’t need. In addition to the French, it is necessary to double the consumption of electricity consumed in energy transformation, this means that by 2030 there will be large hydrogen generating plants, which is super optimistic to say the least.
But it is that even if we were to assume that we are Quixotes and that we invest with low rates of return in renewables to export to the French and Portuguese industries, we need to have the infrastructures, which are impossible to have in 7 years and which are also very expensive. let them visualize it; the current plan of the old Red Eléctrica (now Redeia) only goes up to 2026, and does not cover the needs of the PNIEC in various aspects. The first in international connections. While the Plan is calculated with an 8 GW interconnection, the projects that are on the table would only reach 5 GW, while currently only 2.8 GW are in operation.
Another of the aspects that the network has to solve are the so-called discharges, which is the electricity that has to be “thrown away” because there is not enough demand. With the current network, reaching 89 GW of renewables in 2026 would produce some 15% discharges, although the development of the network hopes to reduce that amount to 4%. However, if it is intended to reach 160 GW of renewables in 2030, the development of the grid has to go in parallel, at the risk of having to throw away most of the energy that is generated.
Some will think that in order not to have surplus energy, energy storage has increased in the PNIEC, but we find ourselves with two problems: the first one is about regulation, given that some projects can take years to obtain the pertinent permits (for example, example, pumping facilities); the second problem would be technological, given the lack of maturity of other technologies such as large batteries.
Another of the shadows that appears in the plan is the fleet of electric vehicles, which the PNIEC quantifies at 5.5 million in 2030, although of course that figure does not include only passenger cars, but also motorcycles, buses, etc. To get an idea of the magnitude, 2022 closed with a fleet of vehicles with the ‘zero’ label of 0.25 million. It is clear because they talk about very important deductions in personal income tax, but come on, it doesn’t even seem possible.
Lastly, he pointed out that, in an environment of rising financing costs, assuming that massive investment is going to be made in currently unprofitable options is, to say the least, imaginative. But anyway, you understand me, a Plan is a Plan and “to a good understanding…”


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Opening PNCs Digital Purse levels secure competitive interest rates. This can include around three certain profile: the new Spend, Reserve, and Gains accounts. The fresh new Purchase membership can be your bank account to possess informal using. The Set-aside account are a preliminary-term checking account. It’s overdraft coverage for the Invest account. The growth membership is for extended-term needs, eg a deposit, vehicles, otherwise travel. Virtual Wallet account give rates of interest which might be just like almost every other on the internet profile. You should hook these account together to earn aggressive pricing.
Specific Progress offers membership give some high pricing which have Relationship Costs. You should meet the requirements to make the relationship Rates. So you’re able to qualify, you’ll want a set count myself transferred into the Purchase membership. And make four debit purchases also qualifies you. Brand new amounts of lead places cover anything from $five-hundred to help you $5,000 with respect to the membership. For many who be considered, your finances usually earn even higher rates.
PNC has the benefit of is the reason college students. Having research you’re enrolled in college or university, brand new fee every month was waived. That it account also provides a great debit card an internet-based and you will mobile banking. A similar attributes of Digital Bag are for sale to the school membership. Moms and dads is join found aware messages when stability was reduced otherwise overdrawn. Certain universities offer most other benefits toward account. Particularly, one to school enables you to make use of your student ID credit once the a beneficial PNC Automatic teller machine card.
PNC even offers smaller than average industrial team account. Checking, deals, and money markets accounts come. Expenses shell out, secluded see dumps, and online payroll is attributes given.
PNC simple membership rates was lowest. To make the brand new aggressive cost to the Digital Purse profile, you need to meet up with the set requirement. For individuals who discover a basic membership or do not meet up with the requirements, interest rates are low. To earn new aggressive pricing, be sure you discover just the right profile and be considered.
Very PNC accounts has a monthly fee. This new charge may include $5 so you can $twenty-five with respect to the membership. It is possible to waive the fresh charge. That have an appartment amount from the membership or even in qualifying PNC profile tend to waive the new charges. Direct places regarding a-flat amount or you are 62 years or old have a tendency to waive certain charge. By , PNC financing and you will financing balance aren’t included to help you waive monthly charge.
New amounts expected to have within the PNC account so you can waive https://onlineloanslouisiana.net/ this new monthly fees are highest. The money industry membership requires $5,100 to avoid the latest monthly fee. Digital Handbag profile need $five-hundred to help you $5,100 to waive the fee otherwise $10,one hundred thousand to $25,one hundred thousand around the all the PNC deposit profile. Immediately following , finance and you may investment balance will no longer matter to your the entire amount to waive charge. Its important family savings merely requires $three hundred so you can waive month-to-month charges.
People need discover PNC Cds within a branch place. Really PNC Cds required $step 1,one hundred thousand to open up. The Dvds having terms of seven to help you 89 days need $5,one hundred thousand to open. PNC provides department urban centers inside the 19 states together with Region regarding Columbia.
PNC Versus Sallie Mae
To obtain the money back advantages you have got to meet requirements. You need to hook an effective UPromise Objective Saver Membership to your UPromise Advantages Account. You ought to and additionally possibly enjoys $5,100000 on the account otherwise generate ten places into the earliest 3 months. You get ten% of the sum of money transferred from your Rewards membership so you’re able to your goal Saver account. For many who meet the requirements, you earn an annual extra out-of $10 the original 24 months and you can a commitment bonus of $100 the next 12 months.
New higher give family savings and money markets accounts don’t have month-to-month charge. There is no requisite amount to unlock this type of account. They give competitive rates of interest, and there is no called for monthly balance.
Sallie Mae try a college funding lender. They provide beginner and private financing. A number of the more funds tend to be student financing, mother financing, MBA fund, dental care or scientific school financing, medical abode financing, pub studies fund, or scholar student education loans. Sallie Mae now offers a personal loan to help combine the debt, pay for biggest costs, otherwise lives situations.
The attention costs on the Sallie Mae Dvds are extremely greater than other banks. Cds assortment in name out-of six months to 5 years. The 5 year Computer game offers the best interest speed, nevertheless most other terms remain much better than other banking institutions.
To start a beneficial Computer game which have Sallie Mae bank, the required beginning balance are $dos,500. The eye prices towards the Cds are a lot greater than most other financial institutions.
To make attention towards the Sallie Mae Dvds, you need to keep at the very least $dos,500 on the Dvds whatsoever time. If the balance falls lower than one to amount, you will not secure notice. Sallie Mae Cds render rates that will be more higher than almost every other banking institutions as well as most other online banks.
Sallie Mae will not give a bank account. This really is a college discounts lender. They actually do bring different deals levels so you’re able to get ready for college or university. Sallie Mae also offers some other money to assist pay for school, but no examining membership.
As with any financing, the interest cost is actually highest. Be aware of the other installment preparations, rates, and in case there was a charge for paying the loan out of early. High-interest rates mean you could end up purchasing almost $nine,000 when you look at the attract toward a good $ten,000 financing.


The Annual LAPO Development Forum is an annual symposium that stimulates investigations into the nature and causes of poverty. The Forum provides a veritable platform for stakeholders to discuss and proffer pragmatic solutions to identified issues in poverty and development. Initiated in 1994 by the Founder of LAPO, Dr. Godwin Eseiwi Ehigiamusoe, the Forum has become a faculty of development in its own right. Over the years, the annual conferencing has stirred vibrant discourse on the development agenda in Nigeria and Africa with very realistic solutions canvassed by guest lecturers and conferees.
The theme of the first edition of the Annual LAPO Development Forum held in 1994 was “The Nigerian Economy and the Poor: 1984-1994”. Discussions and conclusions at this session reinforced our belief that sustainable approach to poverty alleviation must go beyond charity and directed at strengthening the income capacity of the poor. Subsequent editions of the Forum addressed pertinent issues.
His Excellency, Gen. (Dr) Yakubu Gowon, GCFR, former Head of State and Commander-In-Chief of the Armed Forces, Federal Republic of Nigeria chaired the 2015, 22nd edition of the LAPO Forum with the theme: Women Entrepreneurship Development: Issues, Opportunities and Approaches.
ACHIEVEMENTS OF THE ANNUAL LAPO DEVELOPMENT FORUM
The Annual LAPO Development Forum has over the years provided stakeholders the needed platform to interact and proffer realistic solutions to the crucial problem of poverty and under-development in Nigeria
Ideas generated from previous editions of the Forum have improved the programme focus and delivery methodology of development organizations including LAPO.
Key resolutions at Annual LAPO Development Forums have inputted into national poverty reduction programmes of various tiers of government.
THE 2016 LAPO ANNUAL DEVELOPMENT FORUM ISSUES OF CONCERN
Food insecurity is becoming a critical issue in Nigeria. Over the years, our agricultural development has been on a downward spiral. World Bank data reveals that about 90 percent of Nigeria’s agricultural output comes from inefficient small farms. Most farmers cannot even produce enough food to feed their own families. UNICEF statistics says that about 65 percent of our population is ‘food insecure’
This negative trend is attributable to genera apathy, the discovery and total reliance on crude oil; and the after effects of the civil war of the late 60’s. In addition to the local political problems, intensive agricultural research and delivery systems have been disappointingly low in Nigeria when compared to the strings of successes being recorded in some Asian and Latin American countries. Several government initiatives and programmes aimed at improving food production and security in Nigeria have failed to yield the desired result. Most of these programmes have served as conduit pipes for government officials to syphon public funds and stash them away in foreign countries. Various government agricultural programmes targeted at the poor farmers have not brought about the much trumpeted agricultural revolution. Clearly, Nigeria is at the brink of food crisis.
Food Security and Sustainable Agriculture in Nigeria: Challenges and Opportunities.
DATE: Tuesday, October 18, 2016
VENUE: Shehu Musa Yar’Adua International Conference Centre, Central Area, Abuja, Nigeria
REGISTRATION: 8:00am prompt.
TECHNICAL SESSION: 10.00am
EXHIBITIONS: All Day Long
This year, Former President Olusegun Obasanjo, GCFR, will lead discussions at the Forum as the Keynote Speaker. Dr. Nteranya Sanginga, the Director-General, International Institute of Tropical Agriculture (IITA) and Prof. Valentine Aletor, former Vice-Chancellor, Elizade University will speak on “Enhancing Youth Employment Through Agricultural Development” and “Agriculture, Women Empowerment and Food Security, respectively.
The Honourable Minister of Agriculture and Rural Development, Chief Audu Ogbeh shall be Special Guest of Honour. Development partners, policy makers, academia, and leading civil society organizations shall make meaningful contributions with inputs from key sectors of the economy. Development partners, policy makers, academia, and leading civil society organizations shall make meaningful contributions with inputs from key sectors of the economy.
The main objectives of the 23rd Annual LAPO Annual Development Forum are:
Increase knowledge on food security and sustainable agriculture in Nigeria
Provide farmers and agro-business owners with access to funding opportunities
Provide opportunities for entrepreneurs, development partners, academia, policy makers and all relevant stakeholders to interact on a sustainable agriculture in Nigeria.
Provide information on youth employment opportunities in Nigeria
The end-product of the Forum would be a documented report containing presentations of speakers, summary of discussions, major conclusions and recommendations, which can provide a road map for arming farmers with the required information and skills to strengthen their competitiveness.
Enhance implementation of existing policies
- Jonathan to speak at Lift Above Poverty event in Abuja October 21, 2021
- LAPO Boosts Rural Agriculture, Supports Farmers With N11bn October 5, 2021
- LAPO Improves Health Conditions Of 22 Million Community Members October 5, 2021
- Jonathan, Ehanire, Adeleye To Speak At LAPO Dev Forum September 28, 2021
- LAPO Tasks Agency On Improved Health Services in Edo September 28, 2021


SAN FRANCISCO (MarketWatch)—The majority of taxpayers can celebrate the provisions of the fiscal-cliff bill passed by Congress on Tuesday, at least with regard to tax law: the continuation of the income-tax rates they’ve enjoyed for a decade, certainty with regard to the alternative minimum tax, and the extension of a number of popular tax breaks.
The bad news: Congress is heading for a showdown over the government spending limit, and the fiscal-cliff deal approved by the Senate does little to address that problem. The federal government hit its borrowing limit on New Year’s Eve. The Treasury Department can finagle its borrowing and spending so that it stays under the cap for about two more months. But any drawn-out fight in Congress over raising the debt ceiling bodes ill for the economy.
There’s some bad news in the fiscal-cliff bill from a tax perspective, too: The payroll tax cut is gone, meaning smaller paychecks in 2013. That tax break, in effect in 2011 and 2012, reduced the Social Security tax rate workers pay to 4.2%. The resumption of the regular 6.2% rate means about $1,000 less in pay this year for people making $50,000.
And, wealthy taxpayers may rue the steeper income-tax and capital-gains and dividend rates they face, plus a reduction in their ability to claim deductions and credits.
But a slew of expiring tax breaks—including a child tax credit worth up to $1,000 and the American Opportunity tax credit, worth as much as $2,500 for qualified college expenses—will be available for five more years once President Barack Obama signs the bill into law, as expected.
Plus, unemployed workers who receive emergency federal unemployment benefits will continue to get their checks. If Congress hadn’t reached a fiscal-cliff deal, those benefits would have ended this month.
And there’s the relief of certainty regarding the alternative minimum tax: The bill offers up a permanent, inflation-adjusted exemption amount for this parallel tax system ($78,750 for married filing jointly filers and $50,600 for single filers for the 2012 tax year).
For years, Congress has enacted a temporary patch to the AMT exemption amount, because the original law didn’t index that figure to inflation. As incomes rose and the exemption amount stayed stagnant, a growing number of middle-income taxpayers faced the AMT, which was originally enacted to make sure wealthy taxpayers didn’t avoid paying income tax (the AMT prohibits most deductions and credits). An estimated 28 million more taxpayers would have been added to the AMT rolls for 2012 if Congress didn’t provide this patch.
“It’s a big deal for tax planning,” said John W. Roth, a senior federal tax analyst with CCH Inc., a Riverwoods, Ill.-based tax publisher and unit of Wolters Kluwer.
The move to a permanent fix “recognizes the fact that the purpose of the AMT when it was first passed years ago was to make sure the ultrawealthy paid at least something,” Roth said. “But it started sucking up more of the middle class. Congress recognizes it can’t keep doing this patch.”
A new top tax rate
Under the fiscal-cliff bill, wealthy taxpayers face higher income-tax rates plus limits on their deductions and credits. Married couples face the resumption of the 39.6% top tax rate on taxable income above $450,000, as do single filers with taxable income above $400,000 and head-of-household filers above $425,000.
Essentially, the bill maintains the 2012 income-tax rates of 10%, 15%, 25%, 28%, 33% and 35%, but then adds back in the top rate of 39.6% for wealthy taxpayers.
The tax rate on capital gains and dividends will rise for those wealthy taxpayers, to 20% from 15% currently. And married couples with adjusted gross income of more than $300,000 ($250,000 for single filers and $275,000 for head-of-household filers) face a phaseout of their deductions and personal exemptions.
Almost all of the bill’s tax increases are paid by taxpayers in the top 0.7% of income, according to an analysis by the Tax Policy Center. Read the center’s TaxVox blog here.
Most taxpayers who make $1 million or more in income face a tax increase compared with their 2012 tax bill, and that increase averages about $125,000, according to the Tax Policy Center.
Also, about 75% of people who make between $500,000 and $1 million would pay about $10,000 more in taxes, on average, in 2013, according to the Center. But those taxpayers would have faced an even bigger bill had the Bush-era tax laws expired.
Under the fiscal-cliff deal, estates up to $5 million will be excluded from tax, while those valued above that amount face a 40% rate. Had the fiscal-cliff law not been enacted, the estate tax exclusion would have reverted to $1 million and a 55% rate. In 2012, the exclusion was $5 million and the rate was 35%.
Popular tax breaks
The bill extends the tax break for homeowners who have had their mortgage-loan balance forgiven. Generally, forgiven debt is considered taxable income. But during the economic downturn, Congress enacted a law excluding from that rule mortgage debt on a principal residence. That tax break for struggling homeowners is extended for a year.
Also, the bill would extend for a year the ability to deduct as interest mortgage-insurance premiums paid for a principal residence, Roth said.
The bill also extends valuable college-tuition tax breaks. For example, the American Opportunity tax credit, worth up to $2,500 for qualified expenses and partially refundable, continues to be available through 2017. The child tax credit also is extended for five years.
Charity-minded retirees will once again be able to turn minimum required IRA distributions into tax-free payments to the charity of their choice.
Taxpayers again will be able to choose to deduct state and local sales taxes, and teachers can continue to deduct what they pay for classroom materials.
It’s unclear to what degree the tax-law uncertainty up until this point might delay the tax-filing season.
Currently, some lines on the Form 1040 for 2012 are labeled “Reserved,” rather than detailing a precise tax break. For example, in previous years Line 23 referred to the deduction for teachers’ classroom materials, and Line 34 referred to the college tuition deduction.
This year, both say “Reserved,” because under current law those tax breaks expire at the end of 2012, and it hasn’t been clear until now whether those provisions will get extended. See a PDF of the current Form 1040.
A tax form with “reserved” on it is highly unusual, said Roth, who said he spoke to several other tax experts about it.
“Nobody can recall the IRS ever releasing a final form with a ‘reserved’ line,” he said. “I think we are going to see some delays in filing season, and unfortunately there will be an impact, especially on early filers,” he said.
“If you like to file an extension,” Roth added, “you won’t feel an impact at all.”


BAE looks to dominate U.S. and UK anti-terror sectors
BAE Systems is set to open a new front in counter surveillance, as it seeks U.S. acquisitions to bolster its presence in the homeland security market.
BAE, which now has 59 per cent of group sales in the U.S., wants to augment its position in the security market following last June's £500m acquisition of British-based internet security firm Detica.
Chief executive Ian King reckons the counter-terror security business will be a key driver of growth in the coming years, both at home and in the US.
King said: 'Any acquisitions, I think, would be in the US.'
On target: BAE's pretax profits doubled in 2008, and now it is looking to counter-terror security to build on its current success
Detica supplies government agencies with intelligence on known and suspected bad guys. It can provide a 'digital footprint' of suspects, detailing their movements and habits by tracking things such as spending, travel, and mobile phone records.
It also had a financial consultancy arm that advises banks and investment houses, but BAE has just closed that down resulting in 85 redundancies.
BAE (up 133/4p at 400p) said pretax profits in 2008 almost doubled to £2.37bn from £1.23bn a year earlier. The group was boosted by the stronger dollar and robust performances from its land vehicles division, which reported an 81 per cent increase in annual earnings, and its electronic warfare arm, which was up 18 per cent. The annual dividend rises 13 per cent to 14.5p.
King believes U.S. president Barack Obama's plan to send 17,000 more troops to fight the Taliban in Afghanistan will boost the group's already massive order book, up to £46.5bn from £38.6bn previously, with orders for new armoured vehicles.
BAE is currently bidding for a potentially lucrative contract to supply a minimum of 2,100 mine-resistant vehicles that are lighter and more manoeuverable than the current kit in order to cope with the more mountainous terrain-of Afghanistan. King added: 'We don't think Obama is going to do anything precipitous - just look at the people he has surrounded himself with.'
He believes the reappointment of defence secretary Robert Gates is a key indication that the new president doesn't intend to change much.
BAE is still under investigation by the US Department of Justice (DoJ) over claims it bribed Saudi officials for contracts, and by Britain's Serious Fraud Office, which is probing allegations of bribery in four other countries.
Asked whether he had heard anything more from the DoJ or other investigating authorities, King said: 'No, but we continue to support their investigations.'
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In a time when online casinos are more popular than ever, players are looking for the safest and easiest ways to place bets. And as people now realize, using Bitcoin and other cryptocurrencies might be the best solution for any problem.
The steadily growing number of Bitcoin US casinos serves to show that people trust this payment option – and with good reason. There are a lot of perks that accompany the use of cryptocurrencies at the casino, but not all players are well aware of that.
Why are people attracted to Bitcoin casinos? And what other digital currencies will you be able to use in online casinos 2021? Find out the answers NOW!
Why Use Cryptocurrencies?
There are many reasons why cryptocurrencies are such a beloved payment method:
It’s straightforward and more accessible– When you use most payment options, you must go through a third party, often pay an additional fee, and wait for about a week for the transaction to be approved. All of that is void if you use Bitcoin or currencies of that sort. Block-chain tech allows you to make direct transactions to the casino, avoiding unnecessary inconveniences.
It’s safe – Every Bitcoin transaction is encrypted, therefore, it’s one of the most secure ways to place bets. The transactions you make are immediately recorded in an online log, and no-one can change or tamper with it, so it’s not an easy target for hackers and scammers.
You can protect your personal info – Another major perk that draws people to cryptocurrencies is the ability to make anonymous transactions. While casinos do require ID verification, your bank account won’t be directly connected to your casino account. That can further protect your banking info and provide you with a secure betting environment.
Plenty of special casino offers – Many modern casinos, in an attempt to promote the use of this safe transaction method, host special cryptocurrency promotions. In many cases, you will get cashback bonuses or discounts if you complete a Bitcoin withdrawal, which is always a nice perk.
Cryptocurrencies Are on The Rise
The cryptocurrency market undergoes changes every single day. The value of every currency changes in the blink of an eye, and it is important to know which is the safest type of coin you can use.
Bitcoin is the first cryptocurrency to appear on the market, which also makes it the most widespread. Over the years, its value reached phenomenal heights – and some crushing lows. At the end of 2017, Bitcoin was worth $19,783.06 – a rise of 1,824% since the beginning of the same year. However, soon after that, the coin’s value crashed, reaching a value of $3,300 by December 2018. And yet, it was still the most powerful digital currency out there.
Even though the value of this cryptocurrency has fluctuated quite a bit in the past, it has been rather stable in the past two years. At this moment in time, Bitcoin is worth about $11,000-$13,000. Many casinos focus on Bitcoin users, which makes it a rather popular payment options among online players.
Ethereum first appeared online in mid-2015, and it is the most popular cryptocurrency except for BTC. At the beginning of October 2020, it was worth a bit over $100, but its value rose to $400-$500 and it remained steady for months.
While it is not as renowned as Bitcoin, many casinos accept this currency, and you won’t have any issue with placing bets or withdrawing your wins.
Litecoin is another popular cryptocurrency many online casinos accept. This currency was one of the first Bitcoin alternatives to appear on the market, and although its value isn’t very high – as it is worth about $55 – it is highly accessible and easy to use.
Casino Bitcoin transactions have become more and more popular, as there are a lot of perks to using this modern payment options. Many gambling venues are adjusting to the new reality where digital currencies are commonly used, and players can certainly benefit from that!


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The Independent review organisation Reviews.co.uk report that 100% of reviewers recommend Lending Expert
We’re mortgage experts. This means we know our stuff when it comes to all types of mortgages. We know where the best rates are and have access to exclusive deals just for Lending Expert customers.
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Lending Expert is an FCA regulated credit broker which means you can be assured you are dealing with a legitimate and reputable finance company.
If you have bad credit or have previously been refused a mortgage we can consider your application. Whatever your circumstances please get in touch and we'll do our best to help find you the perfect mortgage deal.
A 70% Loan to Value (LTV) Mortgage means that you will be borrowing 70% of your home’s value whilst the other 30% you will need to provide as a deposit.
Providing a 30% deposit will broaden the range of mortgages available. However, a 30% deposit is not within budget for all those looking to buy, and it may take time to save up for such an amount. However, 70% mortgages, if affordable, could be a great option for first-time buyers, remortgages or even those looking to buy a second property or investment property.
Typically, a higher deposit gives you lower interest rates meaning that in the long-term, your mortgage is far more affordable. A 70% LTV mortgage is at the lower-mid end of LTV values. Lending Expert can help you explore a range of different mortgages ranging through 65%, 70% and 75%.
Before taking out a 70% mortgage, it is important to discuss your objectives with your mortgage advisor to ensure that the chosen mortgage meets your requirements.
Lending Expert is a mortgage broker and can compare over 1,000 70% mortgage deals across the UK. Whilst high street banks will typically offer 70% mortgages too, we can help find the best option for you, with rates from 1.39% per month, whether you are looking for interest only, fixed, variable, tracker or have a bad credit history.
Start by clicking on ‘Check my Eligibility’ below and enter some basic details about you and your property, and Lending Expert will help you find the best 70% mortgage according to your requirements.
You are eligible for a 70% mortgage if you are able to put down a deposit of 30% of the property value.
Larger deposits will usually result in paying lower rates overall, since you have paid off and own more of the property. Putting down a higher deposit may also be a requirement for those individuals with limited financial records or weaker credit ratings.
Additional eligibility criteria for a 70% LTV mortgage can include:
Getting a 70% mortgage means that you will borrow 70% of your property’s value from your lender and the other 30% you will give as a deposit.
You will also be able to get a 70% mortgage if you already have 30% equity in your property.
The deals for a 70% mortgage tend to be better as you have to borrow less money meaning interest rates can be lower. Use Lending Expert as your mortgage broker to find the best deal for your circumstances.
Working with a mortgage broker such as Lending Expert will help you find the best mortgage to suit your circumstances, without impacting your credit rating.
Contact us today to speak to an expert and start comparing 70% LTV mortgages!
There are many benefits to getting a 70% LTV mortgage instead of a higher percentage mortgage. These benefits include:
As 70% mortgages involve a higher initial deposit, this opens up the types of mortgages available to you.
You will most likely be choosing from a number of mortgage types including:
Typically, to be able to afford a 30% deposit, it would follow that you already have a good credit rating. However, Lending Expert can help you find out your options in the case that you have bad credit or a lower credit score.
Using Lending Expert as your mortgage broker will allow you to get the best deal for your financial circumstances, whether that be a 70% mortgage or otherwise!
There are a few simple factors that can help improve your chances of getting a mortgage if you are using the 70% scheme:
We proudly offer 70% mortgages across the entire UK, including Birmingham, Brighton, Bristol, Cardiff, Edinburgh, Glasgow, Leeds, Liverpool, London, Manchester, Nottingham, Newcastle, Sheffield and more.
Working with a number of high street banks and specialist mortgage lenders, Lending Expert has access to over 1,000 mortgage deals available. We’re in the perfect position to help you find the best rates and get approved,
Our eligibility checker is completely free to use and can provide an indicative quote, with no obligation.
Founded in 2013, we have years of experience working in the secured loan and mortgage market and have helped thousands of customers to date. Our values have always been to find the right product for the right individual at the competitive rate. We are pleased to offer our services for you today!
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Currently, the public sector tends to procure goods and services on a fixed priced basis. As inflation continues to rise and organisations grapple with significantly higher costs than anticipated, there are certain ways procurement processes may need to change to best manage and support suppliers in the changing economy and ensure a competitive procurement process, to secure best value across the life of the contract.
For public sector organisations, the benefit of fixed pricing has always been to provide cost certainty, meaning that the cost of the goods or services remained within the contracting authority’s allocated budgets and approvals.
However, fixed pricing is challenging for suppliers to provide in the current market. Indeed, it may be difficult for a supplier to properly estimate the cost of the goods or services across the whole contract period, and many may be reluctant to do so with further price rises in the back of their minds.
If fixed pricing remains a hallmark of public sector tenders, there are a few potential responses that bidders may submit, and each one bears its own risk to both parties.
Starting with more cautious bidders, these suppliers are most likely to incorporate the risk of fluctuating prices within their costs. Since the risk is largely unknown, that risk allowance is likely to add a significant margin to the price. While this could result in the buyer paying an artificially inflated price for the product, it could also result in the bidder losing the tender because of the approach to pricing, even if they have otherwise scored highly on quality.
At the other end of the spectrum, there are bidders who may not price risk into quotations at all. These bidders will either be gambling on a fall in future prices or hoping to persuade the authority to then vary the contract later, once the risk materialises.
The risks for both the supplier and buyer in this circumstance could be significant. For the supplier, this approach could make the actual cost of providing the goods or services too high to fulfil the contract at the tendered price. To try and salvage their bottom line, they might cut corners on service delivery which could impact public services and delivery of community benefits. It could also add management time on the behalf of the public sector body in order to ensure the contract is fulfilled as required. There is also the knock-on effect down the supply chain to consider as smaller suppliers are squeezed.
In more severe circumstances, particularly where the public sector is a large portion of the company’s income, it could force the supplier to cease trading, as their profit margin disappears. Supplier insolvency will have a significant impact on the purchasing authority, and delivery of public services, also causing a ripple effect through the supply chain. Taking this risk-hungry approach leaves much to wishful thinking on costs which is not beneficial to either party.
If the authority is procuring a framework agreement, it should beware of the risk of "bed-blockers" who price keenly to secure a place on the framework, but are unable to bid at the call-off stage, when the true cost risk is known. This could result in the process becoming uncompetitive at call off stage and affect the authority's ability to achieve value for money.
A final consideration is a “nil return at tender”, where some or all of those in the market deem the contract simply too risky or unprofitable to submit a bid. This would leave the authority with the possibility of having to retender, with knock-on cost and time implications, during a time when costs are rising further.
While fixed pricing in the current market brings clear risks for the specific contract, the approach could also have longer-term impacts on the public sector marketplace.
Thinking in extremes, businesses could shut up shop, or withdraw from the public sector market altogether, severely impacting long-term competition in the future. This is of particular concern since the public sector has a responsibility to transact fairly with bidders in order to preserve a competitive market.
An important way for authorities to ensure they are transacting fairly is to understand the context of the market they are purchasing in. Inflation is not homogenous – certain materials and sectors are under more pressure than others. If the authority understands where suppliers are most under pressure, it can help to set realistic project budgets and ensure affordability through benchmarking exercises.
Authorities are recommended to carry out a thorough pre-market engagement process, within the scope of the procurement regulations. Failing to do this might lead to unaffordable bids being returned with the authority either having to abandon the project or seek approval for additional budget, leading to further delay, during which time costs will have risen further.
Market knowledge gained through the pre-market engagement must be reflected in the tender process and the resulting contract documentation. Authorities should consider their pricing requirements, their evaluation mechanism, the length of the contract, as well as their terms and conditions of tendering. This will ensure an appropriate risk allocation between the public and private sector, making it an attractive opportunity for the private sector and preserving healthy competition.
Public sector organisations should also consider the impacts of unanticipated rises mid-contract. If it is considered appropriate, authorities can draft in provisions for price changes, such as adding in a price adjustment or a risk sharing provision to the contract. Authorities should remember that any review clauses have to be written in a "clear, precise and unequivocal" way, so as to comply with the requirements of the procurement regulations. Doing so should support suppliers in providing the most competitive response possible but also protect the authority by clearly setting out the parameters for any future changes.
Inflation has risen at pace and continues to climb. It is critical for public sector organisations to consider rising costs as part of their procurement processes, both to ensure a competitive tendering process, but also to provide a fair risk allocation between the public and private sectors.
The content of this webpage is for information only and is not intended to be construed as legal advice and should not be treated as a substitute for specific advice. Morton Fraser LLP accepts no responsibility for the content of any third party website to which this webpage refers. Morton Fraser LLP is authorised and regulated by the Financial Conduct Authority.


Staying in a bunk bed in a shared dormitory in Dublin over St Patrick’s weekend will cost €1,100 if you book it now.
If you don't want to share with seven strangers, then three nights in a hotel in the city centre for two people is almost €1,900 and a hotel in the west of the city will cost €1,200.
St Patrick’s Day has always been a popular time to visit Ireland and the Irish Hotels’ Federation says this year the capital will be busier than ever.
“Dublin is experiencing an unprecedented level of demand for St Patrick's Day and the circa 22,000 hotel and guesthouse accommodation rooms across the city are almost totally sold out during this period.
“Visitors staying in hotels on these dates will have booked their accommodation weeks if not months in advance, and these rooms would have been sold at much lower rates than any last minute, last availability rates.
“Understandably the low level of availability of rooms will impact decisions made by visitors, and some people may decide to stay further out from the city centre.
“We would encourage people who have yet to book to also consider contacting hotels directly where there may be better value available than via booking engines.”
Speaking to Newstalk, tourists in Dublin said they thought accommodation in the city is poor value for money.
“We’re from Greece, we’re staying here for three nights,” one woman said.
“We’re staying at a hostel, the prices are outrageous.”
Another man said he had always expected Dublin to be expensive.
“It’s around Temple Bar where I stayed - so, I was expecting something fairly pricey,” he said.
“The room is about the [same] size as the bed.”
Main image: Person sleeping in bunk bed in a hostel dormitory. Picture by: Alamy.com


Bonduelle, the French vegetable processor, said today (4 February) its sales accelerated in the second quarter of its financial year thanks to a step-up in international growth.
The company’s total like-for-like sales growth in the second quarter was 4.1%, up from a rise of 0.9% in the first quarter. Expansion was fuelled by “strong” growth outside of Europe, with sales in the non-Europe zone up 11% in the three month period.
The increased pace of growth in the second quarter lifted Bonduelle’s first sales for the six months to the end of December. For the half, sales rose to EUR1.01bn (US$1.12bn), up 2.6% on a comparable basis. On a reported basis, however, sales saw a “slight” downturn dropping 0.7% due to the negative impact of currency exchange.
Commenting on the result, the company said: “In a highly demanding environment, both in western and eastern Europe, the Bonduelle Group nevertheless recorded another six months of solid growth in line with its annual objective.”
Bonduelle added it expects to refine its full-year profit outlook when it delivers its full results for the first half at the beginning of March.


Purpose – The purpose of this paper is to explore the common grounds that quality and productivity share. Hence, this paper reflects a mélange of quality and productivity and sets forth the path to profitable outcomes of quality implementations. Design/methodology/approach – The main approach to the topic is through the basic shop floor understanding of the term quality. The research method used in this paper utilize a range of text books as well as journal paper on quality and total quality management (TQM). Various graphs and figures are very sensibly constructed from the text and well quoted where ever they are inspired from a source. As with the myriad definitions available for quality, this paper starts with the notion of quality as applicable to individuals and hence selected definitions of quality (from quality gurus) have been included. After the basics of TQM have been discussed, the central theme of the paper, i.e. quality and productivity; and its relation is explored. The paper then concludes with a brief account of cost of quality. Findings – The topic is discussed and analysed liberally throughout the length and breadth. Popular findings from this paper include: quality is as important a determining criteria for small businesses as it is for large business houses. And customer's changing demands and the need for stringent cost management in fluctuating environments make TQM a practice of paramount importance for every enterprise, big or small. Practical implications – For sustained business, an optimistic company places customers above profits. The kind of companies that exist in the future will solely be determined by the customers. Hence, to make their businesses customer‐centered, the TQM‐able approach will be single‐handedly successful. Originality/value – The value of this paper lies in the grasp of individuals and businesses alike who want to have a holistic view of functions of quality. This paper bridges the gap between two different paradigms of quality and productivity; how they are seen by small‐ as well as large‐scale businesses and how implementing the quality will results in more production and ultimately profitable as well as sustainable businesses reinforced with efficient use of resources available.
The TQM Journal – Emerald Publishing
Published: Aug 21, 2009
Keywords: Quality; Productivity rates; Total quality management
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Battle lines drawn over lifting of moratorium
Publish date: 04 December 2018
Issue Number: 585
Diary: Legalbrief Environmental
With Mining Minister Gwede Mantashe's lifting of an oil and gas exploration moratorium last week, the battle lines between proponents of investment in the energy sector, and those who fear the impact of such investment on the environment became even more clearly defined, writes Legalbrief. SA will relax a moratorium on gas and oil exploration licences implemented earlier in 2018 to allow exploration and production applications already in the system to be granted, Mantashe announced. A BusinessLIVE report quotes Mantashe as telling an oil and gas industry meeting: ‘This amendment will ensure that applications currently in our system are processed and granted.’ In June, Mantashe published a notice in the Government Gazette announcing a restriction on the granting of technical co-operation permits, exploration rights and production rights. ‘We can't delay exploration because we want to accelerate investment,’ he said. Investment in the industry stalled due to regulatory uncertainty and lower crude prices. Companies with offshore acreage and exploration ambitions in SA include Total, Eni, Sasol and ExxonMobil.
Environmental activists are poised to go to court in their battle to prevent exploration for oil and gas off the KZN coast. A Business Day report notes that a study by the CSIR has shown that SA has potential oil and gas reserves of between nine and 11bn barrels off its coast. To realise that potential, and to help the economy reduce carbon dioxide emissions, the government’s Operation Phakisa has set a target of sinking 30 exploration wells offshore over the next 10 years. Drilling for oil exploration is expected to get under way early in 2019 after Mantashe's announcement. Environmentalists hope to halt the process through various means, including petitions, mass mobilisation and court processes. Desmond D'Sa, head of the South Durban Community Environmental Alliance, who is also the leading member of a consortium of environmental organisations opposed to the drilling off the KZN coast, said it was unfortunate the Minister had given the go-ahead for offshore drilling for gas and oil without considering the objections of environmentalists and other stakeholders. He said they would do everything possible, including taking the government to court, to halt the drilling.
Meanwhile, Parliament’s Portfolio Committee on Energy last week adopted its report on the draft Integrated Resource Plan (IRP2018), recommending that this plan be flexible enough to adapt to a rapidly changing energy environment. The plan contains several recommendations, including the expediting of the finalisation of the plan within the current financial year. According to an SA News report, the Department of Energy briefed the committee on the draft IRP in September. The plan serves to guide government’s plan for electricity provision within the energy mix. This follows Cabinet’s 22 August approval of the draft updated IRP 2018. The Committee made several recommendations following public hearings conducted in October. Given the uncertainty in future demand, technologies and innovation, the committee recommends that any IRP should be flexible enough to respond to these uncertainties, including exploring the feasibility of new and agile approaches to energy provision in this rapidly changing energy environment. The committee also suggests that the department be directed to conduct a thorough socio-economic impact assessment of various energy mix scenarios in preparation for the review of the IRP by 2020. The committee also recommended that Energy Minister Jeff Radebe convene an energy summit to comprehensively discuss and map out the energy future for SA. The first IRP for SA was promulgated in March 2011. It was indicated at the time that the IRP should be a ‘living plan’, which would be revised by the department frequently.


i-Focus Committing the Microfinance Industry to Proactive Consumer Protection Ms. Robin Ratcliffe, Director, Campaign for Client Protection in Microfinance
ll of us in the microfinance arena believe strongly that financial services have the power to help people improve their lives, sometimes dramatically so. However, if offered carelessly or used improperly, financial services — especially credit — can also cause great harm. The importance of good practice has been demonstrated only too clearly given the role that over-lending to vulnerable families has played in triggering the U.S. and global financial crisis. Yet microfinance institutions (MFIs) must balance fulfilling their mission, surviving competition and achieving profitability and growth. These competing forces may play a role in pushing financial institutions into practices that do not coincide with pro-consumer ideals, such as over-lending or lack of transparency. The endorsing institutions of the Campaign for Client Protection in Microfinance (www.campaignforclientprotection.org) believe that microfinance distinguish itself as strongly pro-consumer if it is to retain its positive reputation – and fulfill its mission. The issue of client protection in microfinance is not a new one. Over the years, a number of industry leaders have discussed the need for an industry-wide code of conduct and a proactive assertion of the brand of microfinance as a double bottom line industry. Over the past several years, consensus has emerged that providers of financial services to lowincome clients should adhere to six core principles. These principles, which guide the Campaign, are distilled from the path-breaking work by providers, international networks, and national microfinance associations to develop proconsumer codes of conduct and practices. 1.
Avoidance of Over-Indebtedness. Providers will take reasonable steps to ensure that credit will be extended only if borrowers have demonstrated an adequate ability to repay and loans will not put the borrowers at significant risk of over-indebtedness. Similarly, providers will take adequate care that non-credit financial products, such as insurance, extended to low-income clients are appropriate.
Transparent Pricing. The pricing, terms and conditions of financial products (including interest charges, insurance premiums, all fees, etc.) will be transparent and will be adequately disclosed in a form understandable to clients. Appropriate Collections Practices. Debt collection practices of providers will not be abusive or coercive. Ethical Staff Behavior. Staff of financial service providers will comply with high ethical standards in their interaction with microfinance clients and such providers will ensure that adequate safeguards are in place to detect and correct corruption or mistreatment of clients. Mechanisms for Redress of Grievances. Providers will have in place timely and responsive mechanisms for complaints and problem resolution for their clients. Privacy of Client Data. The privacy of individual client data will be respected, and such data cannot be used for other purposes without the express permission of the client while recognizing that providers of financial services can play an important role in helping clients achieve the benefits of establishing credit histories.
The Six Principles are the foundation upon which The Center for Financial Inclusion at ACCION International, CGAP and many other industry players established the Campaign for Client Protection in Microfinance, now in its pre-launch phase. The Campaign is above all committed to protecting microfinance clients and ensuring that the financial services offered by MFIs do no harm. Through a variety of on-line activities, tools and outreach, the Campaign looks to:
Raise awareness and encourage dialogue throughout the microfinance industry about client protection.
Develop tools to facilitate the implementation of the client protection principles by financial institutions.
Microfinance Focus [ April 2009 ] 30