For decades, Pennsylvania lawmakers have tried and failed to extend federal health and safety protections to teachers, sanitation workers and other public sector employees in the state. But this year, the effort could hit a turning point — with a state-backed study that may chart a path.
“It could make a very, very big difference,” said Jerry Jordan, president of the Philadelphia Federation of Teachers and proponent of the legislation.
Workplace health and safety protections under the Occupational Safety and Health Act do not automatically cover public sector employees in state and municipal government. States have to choose to extend these protections — and just over half have already done so through OSHA-approved “state plans” that allow states to operate their own workplace health and safety programs covering public and/or private sector workers.
In the region, public sector workers enjoy OSHA protections in New York, New Jersey, Maryland and Virginia. Those in Delaware and Pennsylvania do not.
“If you don’t have OSHA protections, that means you basically have no legal right to a safe workplace,” said Jordan Barab, former deputy assistant secretary at OSHA. “All of the standards that OSHA has that apply to private sector workers do not apply to public sector workers.”
For at least two decades, Democratic lawmakers in Pennsylvania have introduced bills to extend OSHA protections to public sector workers, but none have made it through the legislature. Versions sponsored by Sen. Christine Tartaglione and Rep. Patrick Harkins are currently pending in the House and Senate Labor and Industry committees — both stalled since last year.
But a recent development could change things. Last week Governor Wolf’s office announced a partnership with Indiana University of Pennsylvania (IUP) to study the feasibility of extending OSHA protections to state employees, after an October executive order directed state agencies to look at the issue. The IUP study is expected to be completed this fall.
“The safeguards of OSHA standards have protected private-sector workers in Pennsylvania for 50 years,” said Pa. Department of Labor & Industry Secretary Jennifer Berrier, in a statement. “This feasibility study will give us a roadmap to making these workplace protections universal to all Pennsylvania workers.”
‘Night and day’ for private and public workers
Depending on the state they live in, public employees from firefighters to social workers may or may not be covered by federal OSHA standards.
“It’s different as night and day,” said Adam Finkel, professor of environmental health sciences at the University of Michigan and a former regional administrator at OSHA.
Take the example of private versus public school teachers, working in buildings with hazards like asbestos.
“If you’re a private school employee, you have a private employer and you can file a complaint, you can call OSHA and have an inspection done,” Finkel said. “If they’re over the asbestos limit, you can get relief from that. If you’re a public school teacher in a state without a state plan, you are not covered by the federal government, so you have very limited recourse.”
Barab, the former OSHA official, also gives the example of private construction workers, who can’t work in trenches more than 5 feet deep without protections against cave-ins. He said public sector laborers can work in deeper trenches without these protections.
“It’s perfectly legal, and a lot of them die,” he said.
While data is spotty in Pennsylvania, national statistics do show a disparity in injury and illness rates between public and private sector workers. According to an AFL-CIO analysis of Bureau of Labor Statistics data, state and local public sector employers reported an injury rate of 4.6 per 100 workers in 2019, compared to a rate of just 2.8 per 100 workers in the private sector.
“We’ve seen a lot of injury rates among workers in local and state governments to be higher than those working in the private sectors,” said Tran Huynh, assistant professor of environmental and occupational health in Drexel’s Dornsife School of Public Health.
When states choose to enforce OSHA standards through their own state plans, they can set standards that go beyond OSHA’s. In California, for example, the state adopted not only minimum federal standards, but added protections of its own — including around toxic chemical handling, agricultural work, heat and noise exposure and repetitive motion injuries.
“States … have looked at the federal program and said, we not only want more control, but we think that there are ways that the program is not strict enough,” Finkel said. “That’s a big motivation.”
Advocates and unions support extending OSHA protections
Supporters say it’s only fair that public sector workers have the same protections as private sector workers.
“During the midst of the pandemic, you had public sector workers that are garbage collectors — even our teachers — they were all considered essential workers,” said Nicole Fuller, executive director of the Philadelphia Area Project on Occupational Safety and Health (PhilaPOSH). “But they didn’t really have any protections other than, you know, what was provided for them by their unions. They didn’t have any federally mandated OSHA protections.”
Top workplace health and safety concerns for the Philly teachers’ union include exposure to lead paint and asbestos in old buildings. The union’s president supports the effort to extend OSHA protections.
“We would have protections that don’t currently exist,” Jordan said.
Philly firefighters’ union president Michael Bresnan was not aware of the effort, but said OSHA protections could help Philly firefighters. He’s particularly concerned about exposure to toxic chemicals and making sure his members have enough sets of gear so that they don’t have to work in contaminated clothing.
“Anything that’s going to make it safer or better for our members, I mean, we’d be all for,” he said.
The City of Philadelphia, which employs more than 25,000 people, is not against the idea of Pa. extending OSHA protections to its workers. In fact, a spokesperson for the Office of Worker Protections in the city’s Department of Labor says the city is “open to” it.
“Every day, thousands of public workers provide crucial services in many neighborhoods and communities throughout the city … that could potentially put them in harm’s way,” said Femi Matti, director of outreach and communications for the city’s Office of Worker Protections. “So we welcome this opportunity for this legislation to provide the same level of protection afforded to private sector employees.”
So what’s the hold-up?
Although the bills pending in the state legislature have at least one GOP sponsor in each chamber, they have failed to move out of committee — looking like they might meet a similar fate as in prior years.
“It’s been a long fight that we’re still in the midst of,” Fuller, of the labor advocacy organization PhilaPOSH, said. “I think the biggest thing that’s holding us up is politicians at the state level — and I’ll say more so on the Republican side than the Democratic side.”
But Eric Kratz, executive director of the PA Senate Labor and Industry Committee for Republican chair Senator Camera Bartolotta, said groups representing local and county governments, as well as school boards, have consistently raised concerns about the costs of meeting OSHA standards.
The state would likely need to hire new employees to carry out workplace inspections, former OSHA official Finkel said. If Pa. implemented an OSHA-approved state plan, the federal government would pay up to half the cost. However, money’s not the only concern.
“They’ve also questioned, just what’s the rationale for this?” Kratz said. “What’s the data that would show that public sector workplaces aren’t safe with the current requirement that they operate under?”
Kratz said members of Bartolotta’s committee have reservations as well.
“Conceptually, obviously, she supports worker safety, and so by all means that’s important to her,” Kratz said. “But at the same time, … we want to work with stakeholders, and when there’s significant concerns, we try to address them.”
Sen. Bartolotta’s team hoped to direct an analysis of the potential impact of the legislation, but is now looking to the state’s feasibility study for a verdict on what to do.
“We’ll see what it shows and if there’s a path forward or not,” Kratz said. “I think that’s a good step.”
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The former Byron Council staffer and now manager of the state government-owned private enterprise, North Coast Holiday Parks (NCHP), has hit back at claims his parks do not contribute back to the community since he took over administration from Byron Shire Council in 2006.
But questions still remain as to why Council’s financial returns are extraordinarly lower than before the takeover.
NCHP general manager Jim Bolger told The Echo that a major amount is paid directly back into the Shire via Council.
‘Other amounts paid for reserve maintenance and or improvement by NCHP vary from year to year determined by the work needed to be performed. Plans for the upgrades of the day use reserves in Brunswick Heads will be exhibited toward the end of this year. These plans will identify extensive improvement works to be funded from caravan park revenue.’
The questions come after a recent press release by a public relations company on behalf of NCHP that claimed, ‘guests can be confident that the profits from the dollars they invest are returned to the people of NSW and their coastal recreation zones.’
Council’s media officer confirmed that in 2011/12 the amount paid by NCHP for three Brunswick Heads caravan parks was $196,818, and is listed under the ‘Open Space And Recreation Program’ in the budget.
As a comparison to when Council managed the parks over ten years ago, Council’s 2001/2002 annual report says that The Terrace Park generated $380,000, Massey Greene $270,000 and the Ferry Reserve $121,200, equalling a profit of $771,200. Another snapshot a few years later in 2003/2004 reveal a higher figure of $860,653.
Council’s community infrastructure executive manager, Phil Holloway, said the income was spent across all Council reserves as per a 2007 agreement with the then-called North Coast Crown Lands Division. ‘Council also receives income for Crown reserve works from the paid parking on Main Beach, Byron Bay, and fees from market licences.’ He says the funds can only be expended on works in the area to which the income was generated.


Unobserved component models with asymmetric ARCH disturbances: An application to inflation
AbstractUnobserved component models with GARCH disturbances are extended to allow for asymmetric responses of conditional variances to positive and negative shocks. The asymmetric conditional variance is represented by a member of the QARCH class of models. The proposed model allows to distinguish whether the possibly asymmetric conditional heteroscedasticity affects the short-run or the long-run disturbances or both. Statistical properties of the new model and the finite sample properties of a QML estimator of the parameters are analyzed. The correlogram of squared auxiliary residuals is shown to be useful to identify the conditional heteroscedasticity. Finite sample properties of squared auxiliary residuals are also analysed. Finally, the results are illustrated by fitting the model to daily series of financial and gold prices, as well as to monthly series of inflation. The behavior of volatility in both types of series is different. The conditional heteroscedasticity mainly affects the short-run component in financial prices while in the inflation series, the heteroscedasticity appears in the long-run component. Asymmetric effects are found in both types of variables.
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Auxiliary residuals; Financial series; GARCH; Inflation; Leverage effect; QARCH; Structural time series models;
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FUNDAMENTAL ANALYSIS BY NSFX 04.11.2014
- BY: Nati
- November, 04th, 2014 8:04 +00:00
The Reserve Bank of Australia left Interest Rates unchanged at 2.5% as had been expected. AUDUSD trading at 0.8730 Following the Japanese bond buying increase the Yen has fallen, leading to speculation that other exporting nations in Asia will follow suit and devalue their currencies. USDJPY trading at 113.59 with Japanese Vehicle Sales figures decreased by 9.1% year on year for October.
The NIKKEI was trading at 16862.47 up 448.71 points or 2.73%
Europe today will hear the updated Spanish unemployment change for October while the United Kingdom’s Purchasing Manager’s Construction Index is expected out at 63.5 down from 64.2. Euro Zone Producer Price Index figures for September will also be published this session, as will the European Commission Economic Growth Forecast. EURUSD trading at 1.2507 The Bank of England is expected to leave rates unchanged at 0.5% this Thursday. CABLE trading at 1.5990
The FTSE100 closed at 6487.97 while the DAX finished trading at 9251.70 yesterday, both dropping just under one percentage point.
The Canadian session will open today with Trade Balance figures and a look at Import/Export data for September. The Bank of Canada will speak later in the session, with the Canadian Unemployment data for October due out on Friday. USDCAD trading at 1.1372 In the US today we will see the Redbook Index for October and Factory Orders for September. Looking ahead to later in the week we await the ISM Non-Manufacturing PMI tomorrow and Non-Farm Payrolls on Friday.
The DOW closed at 17366.24 down just 24.28 points or minus 0.14%
Hope you all have a nice day.


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The Impact of Employer-Sponsored Health Insurance on Labor Market Outcomes
(Georgetown University, 2021)
The US does not have universal healthcare coverage for all its citizens. Instead, institutions have been cobbled together, with coverage varying from person to person. Some forms of health insurance are part of the ...


AN £8m health centre giving Knowsley residents access to more than 30 services under one roof has opened in Halewood.
The Halewood Centre, a project involving Knowsley council and NHS Knowsley, is part of a £15m regeneration of the old Raven Court site.
The centre includes a new library, three GP surgeries, a dentist, pharmacist, post office and One Stop Shop.
Knowsley Housing Trust, Knowsley Works Plus and other NHS services are also available at the centre, as well as Halewood town council’s HQ, the Halewood Credit Union and Halewood Citizens Advice Bureau.
There is also office space for new business start-ups.
Knowsley council’s cabinet member for corporate and customer services Cllr Ken Keith said: “The centre will transform services and is a fantastic development at the heart of the community.”


You Don’t Know Zhou
Pundits can argue about devaluation versus market forces. But only one man knows for sure what the People’s Bank of China was up to when the value of the renminbi fell last week.
What’s going on at China’s central bank? The People’s Bank of China, led by Governor Zhou Xiaochuan, has been slowly liberalizing currency and capital markets for several years now. Last week, though, it made a monetary policy move that surprised people around the world. A week later, those same people can’t seem to agree on what it means.
The central bank has long allowed the exchange rate of the dollar and the renminbi, China’s currency, to move within a band that has gotten slightly wider from year to year, until reaching its current range of 2 percent on either side of a fixed opening rate. But on August 11, for the first time, the bank began to let the band move in an apparently market-driven way from day to day. Every morning when trading began, the midpoint of the new band would be similar to the closing rate from the previous day.
Over the next three days, the renminbi, also known as the yuan, lost about 3 percent of its value against the dollar. Western observers immediately cried foul, accusing China of devaluing its currency deliberately in an attempt to make its exports cheaper and boost its flagging economy. It was a “race to the bottom” or “beggar-thy-neighbor” economics — the sort of thing that used to lead American politicians to accuse China of manipulating its currency.
Yet some China hands doubted this explanation. They pointed out that Beijing has been trying to gussy up the renminbi in advance of the International Monetary Fund’s (IMF) decision in November on whether to include the yuan in the basket that forms its own distinct currency, the Special Drawing Right. Inclusion would make little difference to China’s economy in itself, but it would be a stamp of approval that the renminbi was on its way to being “convertible” — freely usable and tradable around the world. The experts said China had taken a step toward allowing the renminbi’s value to float on its own, and market forces had pushed down its value versus the dollar.
The clash between these two stories even pitted colleagues against each other. At the Peterson Institute for International Economics in Washington, D.C., Nicholas Lardy blogged that China’s move was a “potentially major step” towards a free-floating currency. He followed up with another post asserting that the Chinese economy wasn’t as weak as other experts believed, implicitly arguing that there was less reason for the government to want a devalued currency that would boost exports. But Adam Posen, the institute’s president and a former member of the Bank of England’s Monetary Policy Committee, said he thought the devaluation was intentional — though he hoped Lardy was in fact correct.
Who’s right? The only way to know the Chinese central bank’s true intentions is to find out exactly what it was up to last week. If the bank was injecting renminbi into the market in order to increase its supply, then the fall in the exchange rate was probably deliberate. But if the bank was sucking renminbi out of the market all along in order to support the currency — and then stopped last week — then the dip was just the currency finding its fair value. In that case, any boost for exporters was just a convenient bonus.
Getting the whole truth seems simple enough, in theory. Anyone could just look at what happened to the bank’s reserves during the week to see whether it was buying or selling assets denominated in different currencies. There’s just one problem — the People’s Bank doesn’t publish the makeup of its reserves, just the total, and that number only comes out monthly. So whatever the bank did could be masked by movements in the values of other currencies and by its interventions at other times of the month. Some reports suggested the bank tried to prop up the renminbi at the end of each trading day, perhaps to ensure the band for the next day wouldn’t be too low, but the rate still dropped.
So it’s back to square one: Pundits can claim all the expertise they want, but the answer still has to come from the mouth of a Chinese central bank official. And the bank is sticking with the market forces story. On Thursday, its officials called a news conference to say the currency wasn’t undervalued and was unlikely to drop further. Right on cue, the renminbi gained slightly against the dollar the next day. But was the central bank intervening in the market to cover its tracks? We may never know. The IMF is standing behind China and asking for more steps to relax control of the exchange rate, such as removing the band altogether and making interventions less frequent. Others continue to doubt that market forces are driving the renminbi’s plunge.
Either way, this episode is likely to be a footnote in Chinese economic history. The overall trends are more liberalization of currency and capital flows, and more focus on domestic demand rather than exports. Between June 2005 and January 2014, the renminbi steadily gained more than 25 percent against the dollar, except for a period of enforced stability around the time of the global financial crisis. Lately, despite a relatively wide band for trading, the exchange rate has moved less dramatically, leading many economists to conclude that the currency is near its fair value. In the meantime, use of the renminbi in trade and investment has increased markedly, and capital markets in China have begun a broader opening to private investors at home and abroad. These trends aren’t going to change anytime soon, no matter who’s right about the central bank’s current approach.
Still, plenty of people are still betting on short-term currency moves, and stock markets around the world are reacting to the prospect of more globally competitive Chinese exports. That’s why some of these experts have jobs. Before 1990, they called it Kremlinology, and it was a booming business for academics, think-tankers, and journalists alike. So it’s a good thing a Communist Politburo still runs the People’s Republic of China, and the central bank still operates largely in secrecy — if they didn’t, all those tea-leaf-reading skills would go to waste.
Feng Li/Getty Images


Report Finds ACA Will Leave Many Californians Uninsured
Although the Affordable Care Act will reduce the number of uninsured residents in California, "a significant number will be left behind," according to a new California HealthCare Foundation report, the Modesto Bee reports.
CHCF publishes California Healthline.
The report, titled "California's Uninsured: By the Numbers," provides a snapshot of the state's uninsured residents and offers estimates about the effects of the Affordable Care Act.
Findings on Insured, Uninsured in California
According to the report, one in five Californians under age 65 is uninsured, the seventh-highest rate in the country.
It also found that 54% of residents received health coverage through their jobs last year, down from 63% in 1988.
In addition, the report found that:
- One in four adults who work are uninsured;
- About 40% of residents who work for small businesses with fewer than 10 employees are likely to be uninsured; and
- 62% of uninsured children have parents who worked full-time in 2012.
Findings on Effects of ACA
The report projects that 2.6 million Californians will be newly insured in 2015. Of those residents:
- 1.6 million will obtain private insurance; and
- 939,000 will receive coverage through the state's expanded Medi-Cal program.
Medi-Cal is California's Medicaid program.
Meanwhile, the report estimates that about 3.1 million residents will remain uninsured even after major provisions of the ACA are implemented, including:
- 1.4 million residents who will be eligible for coverage through Covered California, the state's health insurance exchange, but will not enroll;
- 959,000 undocumented immigrants who will not be eligible for coverage through the ACA; and
- More than 700,000 individuals who are eligible for Medi-Cal but are unlikely to enroll because of a lack of awareness or the program's history of enrollment issues and limited access to care (Carlson, Modesto Bee, 12/22).


NEW ORLEANS, April 5, 2017 /PRNewswire/ -- Tidewater Inc. (NYSE: TDW) has been in restructuring discussions with its principal lenders and noteholders regarding the company's various debt arrangements. Pending the resolution of those discussions, the company had previously received limited waivers from the necessary lenders and noteholders which waived compliance with certain debt covenants until March 27, 2017, at which time the company announced that the latest waiver extension had expired without a renewal being sought by the company.
Tidewater's management is of the view that substantial progress has been made in the negotiations during the past week, and after further discussion with its lenders and noteholders, all parties agreed to a further short-term covenant waiver while they focus on bringing the negotiations to conclusion. The company has now received limited waivers of the covenant defaults from its lenders and noteholders until April 7, 2017.
Tidewater is the leading provider of OSVs to the global energy industry.
To view the original version on PR Newswire, visit:http://www.prnewswire.com/news-releases/tidewater-agrees-to-short-term-waivers-with-its-lenders-and-noteholders-to-conclude-restructuring-discussions-300435438.html
SOURCE Tidewater Inc.


Oil Steady After Retreating From 2014 Highs On Dollar Strength
NEW YORK, May 17 (Reuters) - Oil prices climbed above $80 a barrel on Thursday for the first time since November 2014, before retreating on a stronger dollar and climbing U.S. output to end unchanged.
A rapid slide in oil supply from Venezuela, concern that U.S. sanctions will disrupt exports from Iran, and falling global inventories have all combined to push oil prices up nearly 20 percent in 2018.
The U.S. dollar hit its highest level in four months against the yen as yields on benchmark U.S. government bonds hit a seven-year high.
A stronger dollar makes oil more expensive for importing nations such as those in Asia, which are facing a trillion dollar bill for their imports this year as demand in the continent reaches a record high.
Brent crude futures reached an intraday high of $80.50 a barrel, but later gave up most gains to settle up 2 cents at $79.30 a barrel.
U.S. West Texas Intermediate (WTI) crude futures settled unchanged at $71.49, after earlier also hitting their highest since November 2014 at $72.30 a barrel.
Global inventories of crude and fuel have dropped sharply in recent months owing to robust demand and OPEC-led production cuts.
The Organization of the Petroleum Exporting Countries and non-OPEC global producers, that have curbed output since the start of 2017, will next meet to discuss supply policy in Vienna in June.
However, Venezuela's economic crisis, and the prospect of additional U.S. sanctions following its May 20 elections could hit the market further.
"I expect that Venezuelan production will continue to decline and the upcoming elections hold the spectre of the U.S. imposing additional sanctions on Venezuela that may hasten the loss of supply," said Andrew Lipow, president of Lipow Oil Associates, a consultancy in Houston.
He said Iranian oil sales could plunge by 300,000 to 500,000 bpd in the next six weeks as well, after U.S. President Donald Trump's decision this month to withdraw from an international nuclear deal with Iran and revive sanctions that could limit crude exports from OPEC's third-largest producer.
Record domestic oil output and exports have capped the rally in the United States, and led to a rising premium for Brent above WTI, which traded at $8.20 a barrel on Thursday, the widest spread since April 2015. <0#WTCLc1-LCOc1>
U.S. crude output has soared 27 percent in the last two years to a record 10.72 million barrels per day, putting it within reach of top producer Russia's 11 million bpd.
That has not been enough to stop oil prices rallying, energy ministers of OPEC's largest producer Saudi Arabia and its neighbor and fellow OPEC member United Arab Emirates to note that the market remains well supplied.
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Viridian Energy offers 3DOM fixed-rate plans as well as Auto-Flex and Self-Flex plans. The 3DOM fixed plans are three-year commercial and residential plans offered to new customers. The 3DOM plans are different from other plans in that they lock in a set rate determined at the time of sign-up. Viridian also offers term-free plans that have a variable monthly rate. The fixed plan offers a term-end rebate as well.
The Flex plans allow the customer to lock in their rate at a later point during their term or to set an automatic lock-in for a point later in the three-year term. Exact rates vary depending on the service area.
Monthly variable rate plans provide a rate that can change from month to month, based on the company operating components and the cost of energy. The benefit of the monthly variable rate is that it offers the most flexibility, and it eliminates any penalties to switch plans or cancel. Fixed-rate plans give customers protection against changes in the market, but there is a $50 termination fee for cancelling before the term ends. In addition to the 36-month term plans, customers can choose term plans starting at six months to one year, depending on their service area.


16 George StreetGeorge Street, Bathgate | EH48 1PW
The subject property is located on the east side of George Street, in the heart of the Centre, benefitting from high levels of pedestrian footfall. Nearby retailers include Boots, Kidzeco, WH Smith...
Availability: Under Offer -
Size: 1,235 sq ft -
Rent: £16,500 pa -
Last modified: 07/06/2021 -


In business, we are all on the lookout for the best value for money and value for our time. We all want to find ways to generate more revenue and find more customers.
If you’ve reached the point where you’re overflowing with workload, but you’re flying solo and don’t have anyone to delegate to, then you’re possibly considering hiring an employee. You may, however, have hesitations about managing an employee and all the compliance considerations (AKA paperwork) that goes along with putting on an employee. This is when outsourcing comes into play.
What the heck is outsourcing?
Outsourcing is simply engaging an independent contractor/consultant to take care of a specific scope of work. Examples can be when a large company contracts a freight provider to transport its products to customers, or when an accountant engages another professional to cover client work during tax time/peak period.
Should I be outsourcing or offshoring?
Offshoring is engaging a contractor located in another country/overseas. This is typically done due to the cost savings from cheap labour in some overseas countries. Australia has a high cost of labour due to the highly regulated business requirements (AKA high cost of doing business) that we have here. Whilst, there are definite cost savings to be had with offshoring, there are definite downsides. I’ve heard from many business people, that the cost savings are often eroded by the re-work involved, due to lower quality output.
Outsourcing is really a question of budget and principles. If you don’t have the budget to pay local rates and don’t mind differing levels of quality, then offshoring is probably for you. If you prefer to support your own economy and require a qualified contractor with specific skillset, then outsourcing is for you.
What is a VA?
A VA is a virtual assistant who provides administrative support remotely, using technology. Most of us have heard of VA’s from the Philippines, contracted by large Australian companies to run their call centres, or helpdesks. But did you know the VA industry also exists within Australia and throughout western/Commonwealth countries, also?
And because local VA’s come from all different avenues of business administration, there are many niche VA’s, such as those specialising in social media, digital marketing, Not-for-Profits, transcription, legal, medical, bookkeeping, and so on.
How does a VA work remotely?
This depends on each VA, but most use modern business tools such as DropBox or Google Drive to share files; task management tools such as Trello or Asana to manage workflow, shared calendars via Outlook or Google Calendar, shared inboxes via Outlook or Gmail, phone or Skype to communicate, and so on. Most VA’s track their time with a time tracker such as Toggl and invoice by the hour, or offer packages by task or blocks of time.
Tips to win at outsourcing
Use a VA that matches your niche/segment – locate a VA who has experience in your field or industry segment. You can put a request through via VA Directory, requesting the particular skill set you require.
Have a trial run first – if you’re after a VA for ongoing support/recurring tasks, then request a 2 week trial period first and tell the VA that you’re looking for the right fit. A good VA will understand this and will also want the right fit.
Make a list of tasks that you can delegate – put together a list of the tasks that you hate doing, tasks that never seem to get done, and time-consuming tasks that you can give to your VA to free up your time. Again, a good VA will ask you a set of initial questions to better understand your business and where you need help.
Make a list of work that you will focus on when your time has been freed up – this is the best part! Visualising the extra 5 hours per week that you’ll have to focus on finding new clients.
Now, I hope the above tips will help you to confidently go ahead and free up your time by outsourcing. Take the leap and know that you’ll save yourself stress and find more time to spend on your most important priorities.
Modern Day PA provides flexible admin support to time-poor mining consultants and small business owners, who don’t normally have access to an assistant.
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Categories Economy video Economist article and video on China economy Post author By stlplace Post date August 5, 2009 No Comments on Economist article and video on China economy Reading Time: < 1 minuteimbalance. Article here. This reminds me Wang Jianshuo’s latest article “I am a rich person?” I think the following video “Rebalance the economy: American” is also very good. Related ← Started Financial Times subscription → Portfolio management lessons: don’t sell all at once Leave a Reply Cancel replyYour email address will not be published. Required fields are marked *Comment Name * Email * Website Save my name, email, and website in this browser for the next time I comment. Notify me of follow-up comments by email. Notify me of new posts by email.


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Educational Resources: Understanding that informed clients make better financial decisions, Westminster Wealth Management provides a wealth of educational resources. Westbrook residents can access webinars, articles, and other materials to enhance their financial literacy and make more informed decisions about their financial futures.
Transparent Fee Structure: Transparency is a cornerstone of Westminster Wealth Management's approach. Westbrook clients can trust the firm's straightforward fee structure, ensuring that they understand the costs associated with the services they receive. This commitment to transparency fosters trust and confidence in the client-advisor relationship.
Responsive Client Support: Despite the physical distance between Westbrook and New Jersey, Westminster Wealth Management prides itself on responsive client support. Through various communication channels, including email, phone calls, and secure messaging platforms, clients can easily reach out to their dedicated financial advisors whenever they need assistance or have questions.
Services in Westbrook
- Social Security Planning
- Medicare Planning
- Long Term Planning
- Tax Management Planning


Being a property owner can be extremely stressful. Between tracking down payment, fixing broken housing items while also trying to make money and appreciate the value of your property? Yeah, that’s tough. Here are just some of the reasons you need a property manager:
1. They always make sure you get paid
Have problems tracking down rent from your tenants? “Where is the money?!” may have come out of your mouth once or twice. Property managers can help track down your tenants, and often times sets up automatic payment methods that help you get your money the second it’s due!
2. They deal with bad tenants
Sometimes, tenants can cop an attitude or destroy your property. One bad night could lead to damage that costs you money. When you have a property manager, then are able to confront bad tenants before the problem gets out of hand.
3. They manage house repairs
When you own a property sometimes it can feel like you are constantly working on home repairs. A pipe breaks, the appliances stop working or there is in an electrical issue. There is never a shortage of repairs! Luckily a property manager will keep track of and manage those repairs for you. Long gone are the days of driving back and fourth to fix a leaky pipe.
Curious about getting a property manager? Contact us with all your questions below!


The second quarter of 2014 was the strongest quarter in decades for companies entering the stock market, with 91 initial public offerings filed raising $23 billion, according to a report released Thursday by the Ernst & Young consulting firm.
And that growth is likely to continue through at least the second half of the year, including a growing number of filings expected in San Diego.
"The pipeline is extremely full," said Doug Regnier, who heads Ernst & Young's IPO operations along the West Coast. "Some companies are in registry (for an IPO), while others are getting ready to file."
During the first half of the year, there were 162 IPOs filed nationwide, a 71 percent increase from the same period last year. The stock offerings generated $35 billion in capital, a 50 percent jump from the previous year.
In San Diego, there have so far been six IPOs in the first half of 2014 worth $283 million, compared to just two in the first half of 2013 that raised $148 million.
Another local firm, Lumena, announced plans to launch an IPO in April but instead was bought for $260 million by Ireland's Shire Pharmaceuticals (Nasdaq: SHPG). And it's possible that one other firm may go public before the first half ends on Monday: Ambrx (Nasdaq: AMBX), a firm that is trying to discover and develop protein therapeutics to treat problems ranging from weight management to cancer.
Ambrx was slated to go public on Wednesday, but is now listed as a day-to-day IPO candidate, with hopes of raising $70 million with a target share price of $12 to $14.
Despite the postponement of the rollout, Ambrx has been getting positive reviews from analysts and potential investors. In a column on the Seeking Alpha stock website, Don Dion, owner of DRD Investments in Florida, announced he might make a long-term investment in the stock shortly after its release, based on Ambrx's collaborations with Merck (NYSE: MRK), Eli Lilly (NYSE: LLY) and Bristol Myers Squibb (NYSE: BMY).
"We are positive on this IPO and suggest biotech investors be so as well," Dion wrote.
The market for new faces in the pharmaceutical field has been so strong that Receptos Inc. (Nasdaq: RCPT), a local biopharmaceutical firm that raised $83 million when it went public last year, went back to the trough early this week with a second offering that raised $178 million. Since its launch in May 2013, the stock price at Receptos, which is trying to develop therapies for immune and metabolic diseases, has risen from $14.20 to $39.98, although that's down from a short-lived peak above the $50 mark in March.
Regnier says that the current interest in IPOs has been a stark contrast to a long period of sluggishness from 2011 through the first half of 2013, when the market was stalled by the relatively stagnant economy. The current growth, he says, was fueled by a pickup in real-estate prices, which put more money in investors' hands.
At the same time, growing projections of strong growth among the world's pharmaceutical giants, such as Merck, Eli Lilly and Bristol Myers, helped fuel interest in the IPOs of the smaller laboratories that work with them to develop new products, Regnier said.
Regnier said the market was a little rocky this spring, when speculators – drawn by the growing IPO activities – pounced into the market, pushing the stock prices sky high in spring, and then quickly exited, resulting in a sharp drop-off.
Once those "non-traditional investors" left the market, he said, it left the traditional investors who target companies based on their fundamentals, such as what "milestone payments" they expect to receive from their big pharmaceutical partners. He added that because those investors tend to be very well-informed about the market, they tend to keep IPO prices from getting unrealistically high.
In addition to Ambrx, the San Diego IPOs that have gone public so far this year include:
* Auspex Pharmaceuticals (Nasdaq: ASPX), developing treatments for "orphan diseases," with a $96 million launch.
* Vital Therapies, $62 million. Vital had previously planned on going public with an $86 million IPO last year priced at $16 to $18 per share, but postponed the launch until April after shaving the price to $13 to $15 per share.
* Ignyta Corp. (Nasdaq: RXDX), conducting Phase 1 trials for treating solid tumors, $55.2 million.
* Celladon Corp. (Nasdaq: CLDN), a gene therapy firm, $50.6 million.
* Biocept Inc. (Nasdaq: BIOC), working on a proposed treatment for breast cancer, $19 million.
The next to join the list may be Pfenex, which is working with protein therapeutics to address such problems as macular degeneration, a chronic eye disease. Early this month, Pfenex filed its intention to launch a $75 million with the Securities and Exchange Commission.
In addition, Fortune magazine this month predicted that San Diego's Tealium may be ready for an IPO after raising $47 million in venture capital funding.


Warren Irwin: A bright future for Uranium, NexGen and the Athabasca Basin
Warren Irwin founder and chief investment officer of Rosseau Asset Management limited. He discusses the founding and rise of Rosseau Asset Management through some very profitable investments, including Bre-x in Indonesia, profiting from it’s rise and it’s fall.
Warren is the biggest shareholder in NexGen, a major uranium producer and discusses the likely growth in demand going forward particularly in China where they are constructing many new nuclear power plants. New uranium mines will need to be built to meet this growing demand creating upward price pressure. NexGen has recently made a big new discovery with its Arrow deposit, this is the best undeveloped deposit in the world. The stock should be trading at multiples above where it is now based on the value of this deposit alone.
There is often a big lag between when a company makes a big new discovery and the reaction with the share price and the biggest lags usually come with the biggest discoveries.
The Athabasca basin is the richest area for uranium in the world, Warren discusses the relative merits of Investing in NexGen vs Fission Uranium based on the nature of their respective deposits and the best mining techniques. NexGen is likely to be easier to mine and so he believes it has the advantage..
Talking points from this weeks interview:
• Investing in NexGen vs Fission Uranium
• The uranium price is very likely to rise
• Security of supply is more important than price
• The Athabasca basin hold the worlds richest uranium deposits
Warren Irwin is president and chief investment officer of Rosseau Asset Management Ltd. He founded the firm in 1998 after several successful years as vice president and director of special investments at Deutsche Bank Canada. The firm’s flagship event driven hedge fund, Rosseau LP, was established on December 31, 1998, and has since earned a reputation for solid long-term performance earning over 50% the return of its benchmark index. Irwin started his career as a bond analyst for Scotia Capital Markets where he developed the Universe Bond Index, the Canadian bond market benchmark, and shortly thereafter developed and managed Canada’s first bond index fund. He is a Chartered Financial Analyst and holds a Bachelor of Mathematics from University of Waterloo and a Master of Business Administration from the University of Western Ontario.


Stop for a minute, and think about it first Think again before exposing your private life to...
The people who manage a company’s workforce – its Human Resources – are one of the largest assets a company has. Southeast Texas HR can effectively manage the most important facet of your business, the people you employee.
We are your single source for all of your recruiting needs, bringing employers unmatched abilities to target specific types of job seekers. Our recruiting solutions are a cost effective way to get your employment opportunities in front of a large pool of qualified candidates.
SETX HR has the expertise in designing and managing the benefit packages of your company. As benefit plans grow in complexity, we can ensure all aspects are kept in compliance.
We can assist you with strategically integrating effective HR processes, programs, and practices into your daily operations. Let Southeast Texas HR maximize your company’s HR department.
Southeast Texas HR can provide flexible payroll services that improve payroll management of large or small companies. We can streamline your payroll process, improve productivity, and simplify administration.
Let SETX HR handle your employment screening, recruitment, training, HR record keeping and compliance reviews. We are your full service human resource agency.
Stop for a minute, and think about it first Think again before exposing your private life to...
A happier, more productive workplace is better for everyone…employees, management, owners, stockholders, and even the employees’ families. ...
Currently, there is an endless array of job boards and other similar websites for small to mid-size...
An HR department is an essential part of any company, as it plays an active role in almost every area of your corporation. The main focus of human resources is to keep the company strong, successful, functional, and free of costly litigation from lawsuits through sound policies and actions for handling personal matters.
By outsourcing your HR department to Southeast Texas HR, you can help your business minimize risk. Employment and labor laws change regularly, and it can be difficult for employers to remain up-to-date on regulations that affect the workplace. Our purpose is to stay ahead of the variety of federal and state employment laws. SETX HR can help your business comply with these laws to avoid costly lawsuits brought on by employees. We maintain and audit company policies and practices to ensure your organization and it’s employees best interest remain protected.
Maintaining an efficient and productive workplace is critical. Outsourcing your HR department to SETX HR creates greater efficiency with your human resource systems. The advanced HR technology that we utilize help streamline functions such as payroll, benefit administration and compliance management. We help employers and managers spend less time doing paperwork and more time dedicated to improving the efficiency and effectiveness of the workforce.
There are a number of reasons why recruitment and staffing decisions are crucial to any business.
Staffing the wrong employees into the wrong roles will impact overall organizational performance. People who are not qualified for or do not have the experience to perform will impact key areas of your business performance, including profitability.
There will be an impact on team performance and morale if staff recruited are not appropriate for their roles. If existing employees see many new recruits arrive and then leave, the impact on moral can be a detrimental factor impacting performance.
Employees will be subject to higher stress and pressure if they are placed in inappropriate roles. The impact on employees of wrong recruitment and staffing decisions should not be overlooked. Existing employees may suffer as they attempt to undertake roles they are not qualified for or do not have the experience to effectively perform.
Southeast Texas HR can help your company eliminate these issues now and in the future to maximize the effectiveness of your employees with proper recruitment and staffing.
Today’s competitive business environment demands that companies find better, more efficient ways to manage their significant employee benefits investment. At the same time, results from these benefit plans are increasing.
As a leading provider of benefits administration for large or small organizations, Southeast Texas HR provides comprehensive solutions focused on what our clients need the most. We help to manage costs, drive participant outcomes and satisfaction, reduce risk and improve compliance. For our client’s employees, our solutions drive better outcomes, like improved health and financial security, by providing the tools and support needed to promote better decisions about their individual benefits. Southeast Texas HR can provide these tools through an exceptional customer experience, resulting in improved satisfaction and engagement.
When it comes to employee benefit plans, human resource professionals like you face multiple challenges today: health care reform, rising costs, shrinking budgets and frequently changing legislative and regulatory requirements. It is essential for employees to understand the value and features of your benefit plan so your organization gets the most from its benefits investment. Southeast Texas HR offers deep insights and practical expertise to help you face these challenges.
Southeast Texas HR consulting can provide instant expertise to your organization and business. If you already have a full-time staff to manage all areas of Human Resources, we can compliment your existing abilities and fill any gaps. We can provide technical expertise to streamline HR administration by developing internal policies, employee benefits, training programs, and professional management systems.
SETX HR can save your company time and money by eliminating the need for an in house HR manager. We can provide the outside perspective needed to make your organization run more efficiently and effectively. We have advised clients on organizational change to reduce cost, maximize the use of resources, and improve customer service. SETX HR will draw on our diverse experience to implement change while minimizing disruptions in the functioning of your company.
We provide expert consulting in all areas of the HR process: payroll, recruiting, benefit administration, regulatory compliance, and risk management.
There is more to managing business payroll than writing checks and handing them out to employees on time. Southeast Texas HR understands this and can help. We keep accurate records, calculate and pay payroll taxes, and communicate effectively with employees. Many small business owners are finding that by using SETX HR to handle their payroll, they can simplify the process to manage the process cost efficiently and effectively.
Using an outsourced payroll solution is typically more efficient for companies than processing payroll internally. Leaving payroll to experts like Southeast Texas HR can free up hours that you can devote to other important parts of your business. Whether it is your time, staff time, or a combination of the two, chances are that your hours can be better spent winning more business, improving customer service, fine tuning business operations, or launching a new product line.
Many business owners underestimate the cost of processing payroll internally by failing to account for all hours spent and resources allocated to pay employees and maintain payroll paperwork. A thorough cost assessment usually proves that businesses can save substantial funds by outsourcing their payroll processing to Southeast Texas HR to track and file payroll for them. Let SETX HR show you how we can save your business time and money by handling payroll for you.
Recruitment - Employee recruitment, including interviewing and selecting new hires. This also includes monitoring personnel resources to determine when recruitment is necessary to benefit the company.
Training - Training new hires and continuing education of established employees can be the role of SETX HR. Ongoing employee training is essential for a company to maintain its level of professionalism and skill.
Employee Benefits - Management of benefits include offering and processing applications and claim forms, as well as distribution of information about your specific benefit programs. SETX HR is always available to answer questions you or your employees may have about their benefit packages.
Staff Database - Southeast Texas HR can provide a staff database that includes all of the information a company needs on every employee, such as personal information, job responsibilities, training, benefits, discipline records, and performance assessments. We will manage this database for you and ensure all information is readily available when needed.
Legal Compliance - SETX HR understands the various labor laws and its importance to the human resources department. We can manage all levels of employees with information on federal and state laws on breaks, lunches, overtime, wage laws, safety, drug free workplaces, and discrimination.
Protection - Southeast Texas HR protects the interest, image, and success of your company in every way possible by complying with various laws, executing administrative processes, payroll distribution, and creating policies in the most cost efficient manner.
I think I speak for everyone at our company when I say that we have received much more than we expected. We now have a professional HR department meeting our specific needs at a cost that is within budget. Thank you from all of us.
When I heard about Southeast Texas HR, I was interviewing potential HR applicants to join my staff. When I realized I was about to hire an applicant with a lot less experience to do the job at triple the price the decision to go with Southeast Texas HR was a no-brainer. Now I’m using the money I saved to help me grow my company.


At the end of each month, Ezoic will pay you for the ad revenue from the previous month. In order to collect those earnings you will need to update your payment settings to reflect the way in which you would like to be paid.
To select your payment settings please go to Account (on the top right hand corner of the screen) > Payment Settings.
On this page you can choose your payment threshold and form of payment. Payments will go out at the end of the month between the 27th and 31st. Whatever payment methods is in the system at the time payments are made, will be applied for that month.
The default threshold is $20, but that can be changed to whatever threshold you prefer.
There are also a number of payment methods you can choose from including:
1) Cheque - requires name and address
- Paper check is sent in USD by regular mail
- Recommended for USA and Canada ONLY as mail sent overseas can cause significant delays
2) Paypal - requires only Paypal address
3) US Bank Transfer Via Payoneer - will deposit money directly into your domestic account
4) International Bank Transfer Via Payoneer - will deposit your money directly into your international account in the currency of your country:
For all other countries Payoneer will deposit the money for a 2% conversion fee or a $15.00 fee for deposit in USD.
*Both Payoneer options will direct you to their setup page.
Make sure to save all changes! And just another reminder - you can always update your payments settings later if you would like to receive payments in another form.


Loan vs. Line of Credit: An Overview
A loan and line of credit are two different ways that businesses and individuals can borrow from lenders. Loans have what's called a non-revolving credit limit, which means the borrower only has access to the amount loaned once, and they subsequently make principal and interest payments until the debt is paid off.
A line of credit, on the other hand, works differently. The borrower receives a set credit limit—just like with a credit card—and makes regular payments composed of both a principal and interest portion to pay it off. But unlike a loan, the borrower has continuous and repeated access to the line of credit while it is active.
Approval for both loans and lines of credit (also referred to as credit lines) are dependent on a borrower's credit rating and financial history, along with their relationship with the lender.
- Loans and lines of credit are types of bank-issued debt that depend on a borrower's needs, credit score, and relationship with the lender.
- Loans are non-revolving, one-time lump sums of credit that a borrower normally uses for a specific purpose.
- Lines of credit are revolving credit lines that can be used repeatedly for everyday purchases or emergencies in either the full limit amount or in smaller amounts.
What Is a Loan?
A loan comes with a specific dollar amount based on the borrower's need and creditworthiness. Like other non-revolving credit products, a loan is granted as a lump sum for one-time use, so the credit advanced can't be used over and over again like a credit card.
Loans can come in two general forms: either secured or unsecured. Secured loans are backed by some form of collateral—in most cases, this is the same asset for which the loan is advanced. For instance, a car loan is secured by the vehicle. If the borrower doesn't fulfill their financial obligation and defaults on the loan, the lender can repossess the car, sell it, and put the proceeds toward the remaining loan balance. If there's an outstanding amount, the lender may be able to pursue the borrower for the rest.
Unsecured loans, on the other hand, are not backed by any form of collateral. In most cases, approval for these loans relies solely on a borrower's credit history and is generally advanced for lower amounts, and with higher interest rates, than secured loans.
Secured loans normally come with lower interest rates because of the low level of risk associated with them. Since most borrowers do not want to give up the collateral, they are more likely to keep up with their payments—and if they do fail to repay the loan, the collateral still retains much of its value for the lender. Unsecured loans, though, often cost borrowers far more in interest. The rate will also depend on the type of loan an individual or business takes out.
|Loan vs. Line of Credit|
|Loan||Line of Credit|
|The borrower only has access to the amount loaned in one lump sum.||A line of credit is a preset borrowing limit that can be used at any time, paid back, and borrowed again.|
|A loan is based on the borrower's need, such as purchasing a car or a home.||Credit lines can be used for any purpose.|
|On average, closing costs (if any) are higher for loans than for lines of credit.||Credit lines tend to have higher interest rates than loans.|
|Interest accrues on the full loan amount right away.||Interest accrues only when funds are accessed.|
Types of Loans
The following are just a few common types of loans issued to borrowers by lenders:
A mortgage is a specialized loan used to purchase a home or other kind of property and is secured by the piece of real estate in question. In order to qualify, a borrower must meet the lender's minimum credit and income thresholds. Once approved, the lender pays for the property, leaving the borrower to make regular principal and interest payments until the loan is paid off in full. Because mortgages are secured by properties, they tend to come with lower interest rates than other loans.
Like mortgages, automobile loans are secured. The collateral. in this case, is the vehicle in question. The lender advances the amount of the purchase price to the seller—less any down payments made by the borrower. The borrower must adhere to the terms of the loan including making regular payments until the loan is paid in full. If the borrower defaults, the lender can repossess the vehicle and go after the debtor for any remaining balance. Often, car dealerships or the automaker will offer to serve as the lender.
Debt consolidation loan
Consumers can consolidate all their debts into one by approaching a lender for a debt consolidation loan. If and when approved, the bank pays off all the outstanding debts. Instead of multiple payments, the borrower then is only responsible for one regular payment, which is made to the new lender. Most debt consolidation loans are unsecured.
Home improvement loan
These loans may or may not be secured by any collateral. If a homeowner needs to make some repairs to their home, they can approach a bank or other financial institution for a home improvement loan. It allows the homeowner to take out funds to make much-needed renovations.
This is a common form of debt used to fund qualified educational expenses. Student loans—also called educational loans—are offered through federal or private lending programs. They often rely on the student's parents' incomes and credit ratings and not the students', although the student becomes responsible for repayment. Payments are typically deferred while the student attends school and for the first six months after graduation.
These loans are also called commercial loans. Business loans are special credit products issued to businesses—small, medium, and large—to help them buy more inventory, hire staff, continue day-to-day operations, or when they just need an infusion of capital.
In addition to interest, borrowers generally pay other charges for loans, such as application fees and loan origination fees.
What Is a Line of Credit?
A line of credit works differently from a loan. When a borrower is approved for a line of credit, the bank or financial institution advances them a set credit limit that the person can use over and over again, all or in part. This makes it a revolving credit limit, a much more flexible borrowing tool. Unlike loans, credit lines can be used for any purpose—from everyday purchases to special needs such as trips, small renovations, or paying down high-interest debt.
An individual's credit line operates much like a credit card, and in some cases, like a checking account. Similar to a credit card, individuals can access these funds whenever they need them as long as the account is up to date and there is still credit available to use. So, if you have a credit line with a $10,000 limit, you can use part or all of it for whatever you need. If you carry a $5,000 balance, you can still use the remaining $5,000 at any time. If you pay off the $5,000, you can then access the full $10,000 again.
Credit lines tend to have higher interest rates, lower dollar amounts, and smaller minimum payment amounts than loans. Payments are required monthly and are composed of both principal and interest. Lines of credit usually create more immediate, larger impacts on consumer credit reports and credit scores. Interest accumulation only begins once you make a purchase or take out cash against the credit line.
Some credit lines also function as a checking account. This means you can make purchases and payments using a linked debit card or write checks against the account.
Types of Credit Lines
The three common types of credit lines are personal, business, and home equity:
Personal line of credit
This is an unsecured line of credit. Just like an unsecured loan, there is no collateral that secures this credit vehicle. As such, these require the borrower to have a higher credit score. Personal lines of credit normally come with a lower credit limit and higher interest rates. Most banks issue this credit to borrowers indefinitely.
Business line of credit
These credit lines are used by businesses on an as-needed basis. The bank or financial institution considers the company's market value and profitability as well as the risk. A business credit line can be secured or unsecured based on how much credit is requested, and interest rates tend to be variable.
Home equity line of credit (HELOC)
Home equity lines of credit (HELOCs) are secured credit facilities commonly backed by the market value of your home. A HELOC also factors in how much is owed on the borrower's mortgage. The credit limit for most HELOCs can be as high as 80% of a home's market value less the amount owing on your mortgage.
Most HELOCs come with a specific drawing period—usually up to 10 years. During this time, the borrower can use, pay, and reuse the funds over and over again. Because they're secured, you can expect to pay lower interest for a HELOC than you would for a personal line of credit.


Tendersontime provides online Algeria Government tenders, Algeria RFQ and RFP Info. Tendersontime is the biggest content aggregator of Public procurement opportunities and make the content available for syndication and corporate across the globe.
Algeria Public Procurement is governed by Public Procurement Regulations (PPR) which was passed by Presidential Decree no. 15-247 on 16 September 2015. This decree supersedes all previous regulation on Public Contracts.
Under the new decree the thresholds for procurement has been raised as below: Works and Supply Contracts- 12,000,000 Dinars; Service Contracts-6,000,000 Dinars. The new decree prohibits negotiations in public contracts. It also promotes domestic industry by ensuring National Competitive Bidding where ever possible. In cases where a foreign firm has won the contract then they must subcontract 30% of the contract value to local Algerian company.
We cover tenders from all industry segments in Algeria like: Printing Tenders, Furniture Tenders, Chemicals Tenders, Machinery and Equipment Tenders, Mining Tenders, Fire Safety and Security Tenders, Laboratory Equipment Tenders, Sports Tenders, Algeria Telecom Tenders, Healthcare Tenders, Pharma Tenders, Algeria Defence Tenders, Electrical Tenders etc.
Tendersontime process total 30K+ Tenders per day from all industry segments. In Algeria Public Procurement system we cover: Energy and Power Tenders, Industrial Automation Tenders, Renewable Energy Tenders, Non-Renewable Energy Tenders, Water and Sanitation Tenders, Transportation Tenders, Aviation Tenders, Marine Tenders, Roadways Tenders, Banking, Finance Services and Insurance (BFSI) Tenders, Information Technology Tenders, Technology Hardware and Equipment Tenders, Algeria Software Tenders, Smart Cards and Access Control System Tenders and GIS/ GPS Tenders. Visitors can register on the site and get a free trial to assess the quality and coverage of the information. However paid members can download the complete tender document wherever available.
We cover all three type of procurement in Algeria like: Algeria Works Tenders, Algeria goods & Supply Tenders and Algeria Consultancy Tenders. Paid members get unrestricted access to Algeria Government Tenders, Engineering Tenders, Engineering Procurement and Construction (EPC) Tenders, LSTK Projects, Human Resource (HR) Tenders, Algeria BOT Projects, Management, Business and Administration Consultancy Tenders, Travel and Tourism Tenders, Architecture and Urban Development Tenders, Algeria Oil and Gas Tenders, Education and Training Tenders, Infrastructure and Construction Tenders, Algeria Roads and Highways Tenders, Bridges and Tunnels Tenders, Algeria Airports Tenders, Environment and Pollution Tenders and Construction Material Tenders.
Apart From Providing Algeria Government tenders, Tendersontime provides end to end bid consultancy and facilitation services with the help of local agents in 40+ countries.


Average Monthly Cost Of Car Insurance
Here we will explain how you can get the cheapest monthly car insurance for your particular situation, plus we show you monthly car insurance costs by state so you know what to expect to pay in your area. One example: average monthly car insurance for $39.
Those premiums can put a major dent in your monthly budget, especially if you have factors that raise your car insurance costs above average. See the average cost of car insurance for a six-month policy. Plus, see some of the main reasons why car insurance costs what it does in your state.
Understanding car insurance average rates can help guide you as you shop for the right auto insurance policy. On average, Americans spend $125 a month, or $1,503 for an annual rate, on car insurance, according to a study done by ValuePenguin.
But for what it’s worth, the average amount spent to insure a car in the U.S. was $815 a year in 2012, according to the National Association of Insurance Commissioners. However, as anyone who pays much less — or more — than $815 a year can tell you, there are a lot of variables that affect your car insurance rates.


You will find too instances that are many the us government gets more involved than necessary in personal enterprise. The very last thing individuals must do is require is extortionate legislation of company in an economy that is free.
But that’s precisely what the Sunflower Community Action team has been doing. They’ve been working — and also been for just two years вЂ” to obtain more legislation for cash advance businesses.
They truly are calling for capping mortgage loan charged by these organizations, making it more «fair» for his or her clients. Yet, whenever every one of the fact is available to you, the solution payday advances offer doesn’t appear therefore unreasonable.
Those facts consist of:
– the firms are merely permitted to stop trying to two loans at any one time and energy to an individual.
– they may be able just offer loans as much as $500.
– Loans plus interest needs to be repaid in complete before a loan that is new provided.
– there was a cap in the rate of interest (that is a rate that is annual of %).
That appears like a serious regulations that are few protect customers the way in which it really is.
An individual can visit one or more pay day loan center to have loans, but that might be their option. And yes, they could spend that loan straight straight right back and turnaround and go on it straight back away, thus never ever actually being financial obligation free. Once Again that is their option.
In reality, it’s a man or woman’s option in the first place to head into a pay day loan. An individual goes into once you understand whatever they provide and therefore interest will also be due. Just just exactly What should always be being advocated the following is perhaps maybe maybe not legislation but responsibility that is personal.
That appears to be something which is provided less and less consideration. Numerous people utilize these companies for many reasons, none of that are business of this Sunflower group.
These lenders keep showing up in communities all over the nation. Why? Because evidently there clearly was a need for them.
The regulation that is newest being demanded is a limit of 36 % on rates of interest. To start with, that don’t seem unreasonable, and soon you consider the bucks included.
Because the price is a annual price, that breaks right down to just a little over $1 interest for a $100 loan for a fortnight. Demonstrably, company wouldn’t be in a position to carry on that way.
As soon as stricter laws begin, you will find a true wide range of places where they are often argued become required. Instead, the solution nevertheless is apparently that individuals should really be better educated on funds and just just take obligation with regards to their very own actions. I’m sure I am going to keep in recommended you read mind the course We discovered the time that is next visit buy a vehicle.
If a person gets trapped in an online payday loan cycle, they ought to study on their errors, discover a way out and remember the difficulty it may cause. Other individuals who do use these organizations responsibly whenever just a little cash that is extra required shouldn’t be penalized as a result of those who find themselves reckless. It these continuing companies are closed down, that is just what will take place.
LA вЂ“ a loan that is payday owner pleaded responsible right now to a federal criminal fee for defrauding cash transmitting organizations by failing woefully to remit for them, as promised, almost $1 million of cable transfers delivered on the part of their customers over simply fourteen days.
Arsen Khumaryan, 41, of Glendale, pleaded responsible to a single count of cable fraud. united states of america District Judge John A. Kronstadt has planned a January 28 sentencing hearing, of which time Khumaryan will face a statutory maximum phrase of 20 years in federal jail.
Khumaryan has Ask Inter Inc. (AII), a company that is glendale-based does business as Monroe’s wage advance, an economic solutions and check-cashing shop. AII had been a realtor of MoneyGram and Ria cash Transfer, companies that quickly offer money for the cost to people and organizations looking for it.
As a key part of AII’s agreements with MoneyGram and Ria, Khumaryan ended up being expected to deposit as a trust account the funds he received from their clients. Following the wire transfer demands had been made, MoneyGram and Ria would make use of their funds that are own wire cash towards the recipients. AII had been then needed remit the clients’ funds through the trust account to MoneyGram and Ria no later on than one company time following the consumer asked for the wire transfer. In return for attempting to sell MoneyGram and Ria’s services and products, the firms compensated AII a payment in line with the costs gathered from clients.
Relating to their plea contract, may 23, 2018, Khumaryan promoted on social networking that clients at their shop could wire cash, utilizing MoneyGram and Ria, around the globe without having to pay any charges, and could cash checks from Ria without charges throughout the future Memorial Day week-end. Khumaryan admitted he knew that MoneyGram and Ria hadn’t decided to waive their cable transfer charges, nor had Ria consented to waive its check-cashing costs.
Between May 23 and June 6, 2018, Khumaryan caused MoneyGram to deliver about $795,338 to recipients through its cash transfer system. He additionally caused Ria to send 376 cable transfers totaling around $130,328 to recipients throughout that ongoing organization’s money transfer system. Khumaryan pocketed the clients’ funds as opposed to remit them into the organizations per their obligations that are contractual evoking the organizations to get rid of significantly more than $925,000. No MoneyGram or Ria clients had been suffering from Khumaryan’s fraudulence. This case is MoneyGram’s biggest loss in the usa involving a representative’s misappropriation.
In addition, Khumaryan knowingly caused 16 bogus checks totaling about $104,057 become prepared through Ria’s cash check-cashing system, the plea contract states.
Khumaryan additionally admitted to publishing around $137,303 in fraudulent re re re payments on individual charge cards granted to him by a company identified within the plea contract as business 3 by drawing against reports he knew had funds that are insufficient protect their payments.
The total losses in this instance are $1,167,026, Khumaryan admitted.
This matter ended up being examined because of the FBI and Homeland Security Investigations.
This instance has been prosecuted by Assistant united states of america Attorney Valerie L. Makarewicz associated with the Major Frauds Section.


By Onu Okorie
Former Deputy Governor of Central Bank of Nigeria CBN Prof. Kingsley Moghalu has warned the National Assembly against passage of a bill to remove the CBN Governor as Chairman of the bank’s Board of Directors. This was part of a statement made available to the media yesterday in Lagos.
Moghalu explained that step to remove the power of the board to fix the bank’s budget and set the salaries of its staff was completely wrongheaded and should be dropped.
According to Moghalu, such an amendment to the CBN Act of 2007 will finally destroy the institution by disrobing it completely of its institutional independence as enshrined in the Act.
“It will make the bank, a statutory corporation under the law, to become a Ministry or a mere Agency or Department of the government.
“And it will render the bank an open playground for politicians,” Moghalu said.
According to him, the CBN has already been politicised since mid-2014 when its current governor was appointed.
“This proposed bill, if passed, will legalise an abnormality and worsen it, when what we should be doing is seeking to reverse an anomaly that has had hugely negative consequences for the Nigerian economy,” he added.
Moghalu said that there were very good reasons why the governor of the bank is the chairman of its board of directors.
He described this as the case in most central banks around the world.
Moghalu said: “This framework protects central banks from external interference.
“Central bank’s policies and its internal administration should objectively advance the interest of the national economy, not the partisan agendas of political parties or individuals.
“Imagine, a prominent politician from the APC or PDP or any other party appointed the board chairman of the CBN.
“Well, some will argue that this has already happened, when its governor (and chairman of the CBN board) was aspiring to contest to become the President of Nigeria in 2023, on the platform of the ruling party while refusing to resign his position in the bank.”
He explained that it was part of the required independence that the CBN created its own budget and set its staff pay.
According to him, it is no accident that the CBN is arguably the top repository of public sector talent in Nigeria.
“This is because of massive investments by the bank in staff development, coupled with high standards of recruitment (at least during the time I was there, I can’t speak for afterwards).
“What the CBN needs is a new lease of life after the 2023 elections and a new, more professional, competent and depoliticised institutional leadership after the tenure of the current governor ends.
“But the political will from a President who understands why the bank should not be turned into a political appendage of the ruling party will be required.
“This in turn requires an elected political leader who understands economics and how national economies, including the proper role of an independent central bank, should function,” he added.
Moghalu said that it was right that the CBN be accountable, “but let’s not throw the baby away with the bath water.”
He said that the CBN Act already required the Bank to periodically brief the national assembly on its operations.
According to him, the President of Nigeria approves and signs the bank’s Annual Reports (strangely, there has been no annual report for the past few years), and in addition is empowered to approve any change to the legal tender and any investment by the bank outside Nigeria.
“What needs to be done is to make these accountabilities effective, not to gut one of the most unique and important institutions in any country, the unique nature of which requires its independence to work effectively for the government and citizens.” Moghalu said.
The bill which sought to remove the governor of Nigeria’s apex bank, CBN, as chairman of its board, has scaled second reading at the Senate.
The bill, sponsored by Sadiq Suleiman Umar (APC, Kwara North), sought to amend the CBN Act to enable the appointment of a person other than the governor as the chairman of its board.


Re-built in record time, the new advanced distribution centre for home entertainment media:
- supports local economy
- capitalises on skills and expertise of existing employees
- future-proofs business towards industry advancements
London, UK, 14 September 2012 – Sony today officially opened its newly built UK distribution centre in Enfield, North London – a provider of around a quarter of the UK’s home entertainment media – after the original building was destroyed by fire during the London riots in Summer 2011. The opening was attended by Prime Minister, David Cameron, who praised Sony for its efforts in retaining local employees through utilising the original site. The new, more advanced distribution centre was built against all odds in record time in order to be fully operational with stock for the peak Christmas sales period which accounts for 50% of annual revenue. It is operated by Sony’s global subsidiary Sony DADC, a leading production and distribution supplier of CD, DVD, Blu-ray Disc and digital media products for the international content industry.
Speaking at the opening of the new site David Cameron said, “The riots last summer were devastating for many local communities and the businesses within them. I’ve heard today how upsetting it was for the employees here at Sony DADC to see the building they had worked in – some of them for many years – reduced to rubble. But I want to commend Sony for seeing this as an opportunity to rebuild an even better facility and for protecting the jobs of those employed here while they did it. The fantastic new distribution centre I’ve seen can handle more orders and has created the potential for more jobs in the area. I’m delighted to be here to wish Sony well as they move back to their home in Enfield today.”
Around 25% of Britain’s total stock of home entertainment discs (like CD, DVD and Blu-ray Disc) was destroyed by the fire, which could have had a devastating effect on retailers as well as major and independent rights holders. “Thanks to the dedication of our employees, contractors, suppliers and customers we have managed to pull off the impossible and re-establish our business in time for our busiest trading period and kept alive the businesses that depend on our services.” said Natasha Tyrrell, General Manager Distribution at Sony DADC UK who has spearheaded the recovery and development strategy.
“We are incredibly proud of the team in Enfield and of the ambitious re-build project, which together, we have made a huge success. Our main aim in this past year has been to continue to service our customers to our full potential and retain our skilled local workforce”, added Tyrrell, “This is a significant investment for us and demonstrates our commitment to developing our business despite an increasingly challenging environment in the packaged media (CD, DVD, Blu-ray Disc) industry. Capitalising on the skills of our employees, our cross-section of customers in the entertainment industries of home video, music, games and software and our ability to adapt our services, means we are in an excellent position to drive new business.”
“It was the fastest ever build of its type in the UK with an overall construction and fit out period of 23 weeks. This enabled the site to become fully operational after just 11 months following the devastation caused by the arson attack”, stated the principle contractor ISG Retail. The new complex is 6.6 feet (two meters) higher than its predecessor, contains three office floors (one more floor than previously) stretching over 326,000 square feet (30,286 sqm) and incorporates high technology investment such as 4th generation conveyor and warehouse management systems. Especially recognising the need for top-level security, the Enfield site has adopted a new security concept that will increase the protection of staff, customer goods and the premises.
The new distribution centre provides a peak throughput capability of approximately 1.2M units and can currently cater for around 55,000 titles per day, shipped to 20,000 retail addresses all over the UK and Ireland. As with the previous distribution centre, the service portfolio consists of physical handling and packing, testing and verification, distribution planning as well as financial services. Now, with an increasing focus on offering B2C distribution and retail services in addition to B2B services, Sony DADC is well equipped to accommodate an expanding product and services portfolio, future-proofing itself against an evolving industry. The UK distribution centre is part of Sony DADC’s global network that comprises approximately 30 sites in 19 countries worldwide.
Just two days prior to the opening in Enfield, on September 12, Sony DADC opened its new, larger Central London office location at 20 Rathbone Place due to the increasing demand for Sony DADC’s digital media distribution services. Serving as the main European hub for Sony DADC New Media Solutions, the 20,000 square foot digital media facility offers clients a central location and integrated global network infrastructure. It combines physical and digital creative services and supply chain solutions under one roof to provide greater efficiencies and better client support across all lines of business.
About Sony DADC
Sony DADC is a leading end-to-end services provider for the entertainment industry and beyond, offering world-class physical and digital supply chain solutions and optical media replication services. The company’s network consists of service offices, optical media production and distribution centres worldwide.
Offering an integrated entertainment experience through its electronics, mobile, music, pictures, game and the Sony Entertainment Network, Sony is uniquely positioned to be one of the world’s leading consumer brands. Sony is renowned for its audio-visual products in both the consumer and professional markets, such as the BRAVIA™ LCD high-definition (HD) television, Cyber-shot™ digital camera, Handycam® camcorder, “α” (pronounced Alpha) digital SLR camera, Xperia™ Tablet and Walkman® MP3 player as well as its VAIO™ personal computers and 3D HD professional broadcast equipment.


MNI BRIEF: Path To Lower Inflation Gradual and Uneven-Irish CB
Irish central bank says inflation slowing, but future path increasingly likely to be led by domestic factors.
Irish inflation is easing, helped by by tighter monetary policy, but it remains high and its future path sensitive to potential global shocks and the persistence of buoyant domestic demand, the Central Bank of Ireland noted in its latest Quarterly Bulletin.
In the release published Tuesday, the central bank said domestic inflation will dip to an average 5.4% this year and 2.3% by 2025 -- a touch above the ECB's average projection for the whole of the eurozone.
Headline harmonised inflation's path back to lower levels is likely to be gradual and uneven, said Robert Kelly, Director of Economics and Research, noting that the contribution of external drivers has declined, with domestic factors playing an increasingly important role in price dynamics over the forecast horizon. Reflecting the stronger role of domestic factors in driving services inflation in particular, Kelly said core inflation (excluding energy and food) is expected to be more persistent, and average 2.7% in 2025.


We expect good growth in current fiscal based on strengthening rural demand: Rakesh Bharti Mittal, CII President
"The growth in FMCG and auto sectors has picked up. The rural economy is also looking brighter and the sales of farm equipment and tractors is seeing a good growth," said Mittal.
Things are changing for good in rural India, cash flows to sustain in election year: Ramesh Iyer, M&M Financial
“All that we have done over a...
Market Now: Capital goods index down; Reliance Naval and Engineering plunges over 14%
Equity benchmarks were trading with little gains.
Why manufacturing on its own can't solve Indian jobs crisis
World Bank data shows India need a GDP growth of 18% over 20 years to solve its job puzzle. To solve the crisis, it is imperative India refrains from 'doing a China'.
Caterers, canteens seek clarity on GST
Outdoor catering attracts 18% GST, while canteen services face 5%. The levy on supply of food or beverages by facilities such as a mess or canteen was reduced to 5% in November.
India may face pressure to cut duties on 90% of goods traded with China
Officials say that China, which has till now not pushed to fast track negotiations in the RCEP, has shown a new keenness to engage actively ahead of the talks.
More then one change per day made by Govt in GST: Export promotion council for SEZs
Exporters flagged concerns related to refunds, exemption of GST, classification of Goods and services and place of supply for service exports and GST Network at the meeting.
Levy on free services: Banks to ask government to recall tax demand
In a notice served earlier this month, all banks were asked to pay service tax, penalties and interest on free services offered to customers.
Bangladesh, Nepal trial bus service reaches India
The buses left Dhaka for Kathmandu yesterday and reached Siliguri, in India, around 4.15pm today, officials said.
Market outlook: Nifty50 likely to open in green; use dips to buy
Friday is likely to see the levels of 10,650 and 10,735 acting as immediate resistance.
Bangladesh, Nepal launch trial bus service through India
The proposed commercial bus service comes under the purview of a pact signed by four countries- Bangladesh, Bhutan, India and Nepal- in June 2015.
Startups now hunting for talent across the world
While some are roping in talent from markets such as the US, Europe and China, most are scouting for Indian professionals with an international stint.
Bengaluru dhabas get an urban revamp, move from highway to high-streets
The move didn’t deter the rustic cuisine imported from the highways of Punjab and Agra.
These stocks will benefit from a good monsoon
The stock market usually reacts positively to normal monsoon as it leads to increased farm production and increased demand from rural areas.
Rupee recoups 15 paise to 66.75 against US dollar
Overall, forex market sentiment remained subdued due to sustained rise in crude oil prices, stirring up more concerns over widening trade deficit.


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Bronswerk Heat Transfer brings heat pump to the market
Making production more sustainable and low-cost; this is feasible with the innovative heat pump application that ECN has developed together with industrial partners. With a heat pump, the temperature from the waste heat of an industrial process can be pumped up from 60 to maximally 140 degrees Celsius. At this temperature, the heat can be deployed again, for example for the production of steam. The technology is currently being tested in the paper industry.
The warehouse of Smurfit Kappa in Roermond (Photo Smurfit Kappa Group)
On 5 July, Bronswerk Heat Transfer, global technology supplier in the field of heating and cooling, signed a license agreement with ECN. Bronswerk will bring to the market the heat pump that it developed together with ECN and the IBK Groep. The company sees promising prospects. ‘All sustainable technologies can be earned back; energy and cost savings are an important incentive to make the switch,’ director Sjaak Remmerswaal explains.
The heat pumps are currently already being tested on a small scale (200 kW) by packaging specialist Smurfit Kappa in Roermond. The paper industry is a large energy user and is a very suitable candidate for using waste heat. Other industrial processes such as the production of foods and building materials can also be made substantially more efficient by using heat humps.
Are you curious about the opportunities of heat pump technology? Anton Wemmers will gladly give you more information. Give him a call at +31 (0)224-56 4376.


Nissan has Qashqai all figured out after 10 years at the top of crossover class
- Credit: Nissan
Nissan has focused on the number 10 as the Qashqai celebrates a decade of sales success and crossover leadership.
To mark its Qashqai's 10th anniversary, Nissan has released an all-new video showcasing some of the other numbers which have made the Qashqai Europe's best-selling crossover.
There's no doubt that 2.3 million – the number of Qashqai sold in Europe since it was launched in February 2007 – is one of the most impressive figures.
Also worth noting is the number 21. That's how many rival models have been launched since the Nissan Qashqai pioneered the crossover segment as the industry knows it today. But you can see below why this number is relevant for a very different reason.
Here are just some of the numbers which have made the Qashqai such a success story for Nissan:
You may also want to watch:
3.3 million – Qashqai sold globally since February 2007, when the car first went on sale.
2.3 million – Qashqai sold in Europe over the same period.
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75,000 – the number of 'continuous quality assurance' tests Nissan engineers have carried out on the Qashqai since 2007.
45,000 – an estimate of how many jobs in Europe are supported by the Qashqai, across Nissan's facilities and with suppliers.
2,708 – parts in a second-generation Nissan Qashqai.
2,015 – the year in which the Nissan plant in St Petersburg, Russia started to build the Qashqai, to keep up with customer demand.
600 – number of days which the Nissan Qashqai's audio system was played at full volume, to ensure it sounds crystal-clear all through the car's life.
226 – companies which supply parts for the second-generation Nissan Qashqai.
99 – countries where the Nissan Qashqai is currently on sale.
81 – major awards which the Nissan Qashqai has won since its launch 10 years ago.
62 – seconds that it takes for another new Qashqai to roll off the production line at Nissan's state-of-the-art plant in Sunderland, UK.
21 – months it took the second-generation Qashqai to sell 500,000 units. No other British-built car has reached that total so quickly.
19 – countries in which the Nissan Qashqai has been voted 'Car of the Year'.
10 – years since the original Qashqai was launched.
5 – the number of model variants sold so far. They are first-generation Qashqai (launched 2007); Qashqai+2 (2008); Qashqai minor change (2010); Qashqai+2 minor change (2010); all-new second-generation Qashqai (2014).
1.5 – the size of the diesel engine, in litres, of the most popular version of the Qashqai. Mated to a two-wheel drive and a six-speed manual transmission, and finished in Pearlescent Black in N-Connecta grade, it's the top-selling model.
1 – when it comes to crossovers, Qashqai was the first. Nissan invented the segment and remains Europe's best-selling crossover.