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+{"url": "https://www.persecacademy.com/brenda-smith/", "date": "2021-04-14T17:36:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038077843.17/warc/CC-MAIN-20210414155517-20210414185517-00440.warc.gz", "language_score": 0.9571168422698975, "token_count": 174, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__195457978", "lang": "en", "text": "Ms. Smith is a trusted advisor to the world’s global leaders, entrepreneurs and enterprising individuals facing complex regulatory environments, driving growth and deploying capital strategies.\nShe has worked to commercialize new technologies and go-to-market strategies and has served as a confidential thought partner to multi-national CEO’s on business strategy during times of mission-critical transition. As the founder of CB Capital Concierge, with access to private investors, family offices and an extensive network of strategic partners she combines her strategic business background and access to capital markets with a constellation of experts to source synergistic opportunities.\nMs. Smith earned her BS from Boston University, her MBA from New York University and completed coursework at the London School of Economics. She is a CFP® professional as well as a professionally certified coach applying decision science to executive decision-making.", "domain": "economics"}
+{"url": "https://whartoncenter.wordpress.com/2013/06/21/1-million-gift-brings-best-of-broadway-to-msu/?shared=email&msg=fail", "date": "2019-12-14T05:48:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540584491.89/warc/CC-MAIN-20191214042241-20191214070241-00419.warc.gz", "language_score": 0.9401289820671082, "token_count": 608, "dump": "CC-MAIN-2019-51", "global_id": "webtext-fineweb__CC-MAIN-2019-51__0__29829330", "lang": "en", "text": "Michigan State University’s Wharton Center for Performing Arts will use a $1 million gift to endow the MSU Federal Credit Union Broadway at Wharton Center Series, which will attract the best of touring Broadway shows to mid-Michigan and help fund educational initiatives.\n“Giving back to our local community is one way MSUFCU fulfills our mission of helping our members achieve their dreams and the ‘people helping people’ philosophy on which credit unions were founded,” said April Clobes, executive vice president and chief operating officer for MSUFCU. “We are happy to announce the MSU Federal Credit Union Broadway at Wharton Center Endowment and to support programs that help ensure mid-Michigan is a place alive with vibrant arts and entertainment where people are proud to live, work and visit.”\nMSUFCU created the endowment because it understands the economic and cultural contributions of Broadway performances to the community, Clobes said. For example, up to 40 percent of patrons attending shows come from outside the tri-county area.\n“This new $1 million gift will be the core of Wharton Center’s programming and the economic engine for the center,” said Mike Brand, executive director of Wharton. “The Broadway series will generate revenue to support other programming and address capital improvements on an annual basis.”\nThe endowment will be managed by MSU’s Office of Investments and Financial Management. Different from other gifts, the total amount of the endowment is invested and a portion of the income will be available for spending each year while the remainder will be reinvested to grow the fund and safeguard against inflation.\nHistorically, MSU’s long-term investment returns have exceeded the performance of peer universities that have endowments similar in size to MSU’s, said Robert Groves, vice president for university advancement.\nWhen the MSU Federal Credit Union Broadway at Wharton Center Endowment is fully funded, it’s expected to generate $50,000 annually to support the production, operation, marketing and education costs incurred by Wharton Center on the touring Broadway productions, he said.\n“We’re very grateful to MSUFCU and its members for again stepping up to support an important component of campus cultural programming,” said MSU President Lou Anna K. Simon. “The Broadway series is something enjoyed not just by many members of the MSU community, but by many people who travel sometimes long distances to attend performances.”\nThe gift complements a previous $2.25 million gift made by MSUFCU to Wharton Center in 2008, which created the MSU Federal Credit Union Institute for Arts and Creativity at Wharton Center.\nToday, the institute annually reaches more than 30,000 learners with enrichment opportunities to engage with the arts and with touring artists, furthering Wharton Center as a statewide resource for arts education.", "domain": "economics"}
+{"url": "http://www.nyfpa.org/about-our-chapter/", "date": "2018-12-19T04:12:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376830479.82/warc/CC-MAIN-20181219025453-20181219051453-00536.warc.gz", "language_score": 0.9324100613594055, "token_count": 197, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__62547238", "lang": "en", "text": "The Financial Planning Association of Greater Rochester New York is the organization that brings together all the varying professions involved in the financial planning process in Greater Rochester NY. We are committed to providing the highest quality educational programs to help all of our members keep current on technical and practice management topics and be better financial planning professionals.\nFPA of Greater Rochester NY Mission Statement:\n- We are dedicated to the highest quality education programs to keep you current, and help you be a better professional.\n- We are a network of experts you can rely on: expert planners, investment advisors, accountants, attorneys, bankers, insurance professionals who get together to discuss perspectives common to client issues.\n- We are a community of professionals to support what you are doing now and support new opportunities for business and professional growth.\n- We provide enjoyable and satisfying experiences to be around colleagues and pride in our community.\n- We believe in building the financial planning profession because every individual benefits from sound financial planning advice.", "domain": "economics"}
+{"url": "https://www.easystepstairlifts.co.uk/stairlifts-to-rent-for-straight-stairs/", "date": "2021-04-16T19:19:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038089289.45/warc/CC-MAIN-20210416191341-20210416221341-00597.warc.gz", "language_score": 0.9337862133979797, "token_count": 432, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__184368076", "lang": "en", "text": "A straight stairlift rental service is available from easystep, with a no fixed term contract, this allows you to hire the stairlift for as long or as short term that it is required, just pay as you use!\nOur temporary stairlifts carry a full 24 hour call out and maintenance service which is included in your monthly rental charge, being all inclusive there are no hidden costs helping you with a fixed budget.\nStraight stairlifts to rent or hire with our online survey.\nOur online self survey is available for straight stairlifts to help keep our customers safe, no salesman visit and quick installation times!\n- No Minimum Contract\n- Fitted within days of survey\n- Lifetime warranty\n- Servicing and repairs included\n- Unlimited call outs\nWhy rent a stairlift?\nRenting a stairlift may be the preferred option for customers who don’t want the worry and extra expense of maintenance and servicing costs of a stairlift. Our rental scheme enables you to have all the benefits of a stairlift, while paying for it one month at a time on a rolling contract.\nThere are some circumstances where buying a stairlift may not be the right solution, some examples might be if a relative comes to visit or when getting over a short term illness or operation, or maybe you just want to budget with a set monthly charge.\nThis is where renting a stairlift from easystep could be the answer for you.\nOur installation charge for a straight standard rental is £350*, this covers the cost of fitting and removal of the stairlift, and then a rental charge of £40 a month (less than £10 a week) is one of the lowest in the country with no fixed term or contract, so you can hire the stairlift for as long or as short a period as you like.\nAs part of the rental stairlift agreement, all servicing, maintenance and breakdowns are covered at no extra cost, so you can get on with your life and leave the worrying to us.\n*subject to mileage\nStandard Rental Stairlift\nDeluxe Rental Stairlift", "domain": "economics"}
+{"url": "https://saanichnorthandtheislands.com/events/2018/9/22/re-visiting-housing-in-saanich-north-and-the-islands", "date": "2019-09-16T12:08:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514572556.54/warc/CC-MAIN-20190916120037-20190916142037-00041.warc.gz", "language_score": 0.9689189195632935, "token_count": 270, "dump": "CC-MAIN-2019-39", "global_id": "webtext-fineweb__CC-MAIN-2019-39__0__29317541", "lang": "en", "text": "Finding affordable, accessible, and safe housing has been a challenge for residents of Saanich North and the Islands.\nThe issue is top of mind for many across the riding. Whether you live on the Saanich Peninsula or in the Southern Gulf Islands, a lack of housing and overall affordability is challenging the sustainability of our communities. It is a major barrier for businesses looking for employees and for communities looking for service workers. On Salt Spring Island the lack of housing is acute!\nDuring the 2017 provincial election housing was the number one issue in every community I visited. People demanded action. Since the election, the BC NDP government has proposed controversial tax measures in an attempt to address housing affordability. The proposals are confusing as has been the roll-out.\nIn addition to the tax measures, the provincial government has begun an aggressive program of increasing the supply of affordable housing units, changed legislation for renters and landlords, and undertaken an extensive consultation on rental housing.\nOur first Community Dialogue was on housing and we thought that so much had happened in the first year that we needed to circle back around and continue the conversation. With new legislation on the tax measures coming in the Fall legislative session, this will be an excellent opportunity to connect with your provincial representative to provide your feedback, advice, and input on the important decisions coming in the next few months.", "domain": "economics"}
+{"url": "http://www.gpcotton.gr/en/", "date": "2023-12-06T21:19:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100603.33/warc/CC-MAIN-20231206194439-20231206224439-00496.warc.gz", "language_score": 0.9487297534942627, "token_count": 548, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__72583835", "lang": "en", "text": "“G & P Cotton Ginners S.A.” was founded in 1996. Ousoultzoglou family has over 120 years of experience with the first cotton ginning factory in Adana area in Turkey.\nMr. Prodromos Ousoultzoglou Senior, who passed away in 1984, started cotton ginning in Veria in 1934. In the year 1978, which was the first year that Mr. Nikos Ousoultzoglou took the leadership from his father, Prodromos, the company was exporting 60-70% of its products to the ex – Eastern countries such as Romania, Yugoslavia, Czechoslovakia and Russia and the remaining percentage of 30-40% was intended for the internal market.\nDuring the 80s’, under the leadership of Nikos P. Ousoultzoglou, the company grows rapidly and the export needs are covered by investing in new machinery and warehouses, renting cotton ginning factories and buying greek raw cotton stocks from other ginners. By 1990, the company exports more than 20.000 tons of cotton lint to the European Union, the Balkans and the Far East.\nIn 1996, Mr. Nikos Ousoultzoglou invests in a new ginning factory in Kipseli Imathias, where the company is based until today.\nThe cotton ginning capacity increases to 500 tons of raw cotton processing per day with productivity rising to 250 tons of cotton seed and 180 tons of cotton lint. By 2012, the company exports more than 90% of its products. Mr. Prodromos Ousoultzoglou Junior and Mr. George Ousoultzoglou become active members of the company, both as Executive Directors.\nAs a result of the family’s efforts, the company expands its activities by opening new markets and adding new products to the company’s portfolio (Durum Wheat, Soft Wheat and Barley).\nThroughout the years, the company’s values remain constant:\n1) Integrity: Business Ethics, is the central moving wheel of an 120 year and 3 generation company.\n2) Added value to the customer: High quality products as well as sincere and valuable personal and business relations promote win-win situations.\n3) Environmental Responsibility: The company, since its early years, applies high standard protocols in the Production process. Nowadays, the company applies the Agro 2.2 protocol, maintaining and promoting environmental friendliness and traceability of the products.\n4) Social Responsibility: Safe working environment and regulations, as well as respecting and helping the local community are matters of the highest importance to the company.", "domain": "economics"}
+{"url": "https://www.networkcapitaltv.com/courses/career-principles-and-insights-with-dr-mukund-rajan", "date": "2021-09-29T00:02:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780060908.47/warc/CC-MAIN-20210928214438-20210929004438-00688.warc.gz", "language_score": 0.9376615285873413, "token_count": 320, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__236688329", "lang": "en", "text": "Dr. Mukund Rajan, is the Chairman of ECube Investment Advisors Private Limited, which focusses on Environment, Social and Governance (ESG) issues in India. ECube announced a partnership in 2019 with Quantum Advisors to invest in the mid-market space in the Indian public markets.\nPrior to ECube, Dr. Rajan served for 23 years with the Tata group, where he held a number of senior executive positions. These included the first Brand Custodian of the Tata group, Chief Ethics Officer of the group, Chair of the Tata Global Sustainability Council, Member of the Group Executive Council at Tata Sons Limited, Head of Private Equity at Tata Capital, Founding Managing Partner of the Tata Opportunities Fund, and Managing Director of one of the group’s listed telecom businesses, Tata Teleservices (Maharashtra) Limited. He served on the boards of various Tata companies including Tata Teleservices, Tata Communications, Roots Corporation, Piem Hotels, Tata SIA Airlines, Tata AIG, and the TCS Foundation.\nDr. Rajan graduated from the Bachelor of Technology program at the Indian Institute of Technology, Delhi in 1989. He received a Rhodes Scholarship to study at Oxford University, where he completed a Masters and Doctorate in International Relations. His doctoral dissertation titled “Global Environmental Politics – India and the North-South Politics of Global Environmental Issues” was published by Oxford University Press in 1996. His second book, “The Brand Custodian”, was published by HarperCollins in 2019.", "domain": "economics"}
+{"url": "https://www.velociped.de/en/package-travel-directive.html", "date": "2019-06-16T19:17:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627998291.9/warc/CC-MAIN-20190616182800-20190616204800-00368.warc.gz", "language_score": 0.8974021077156067, "token_count": 799, "dump": "CC-MAIN-2019-26", "global_id": "webtext-fineweb__CC-MAIN-2019-26__0__127305640", "lang": "en", "text": "the following translation of our Package Travel Directive serves solely the purposes of a better understanding. Legally, only the German version is decisive.\nThe combination of travel services offered to you is a package tour within the meaning of the Directive (EU) 2015/2302. Therefore, you can claim all EU rights that apply to package tours. Velociped GmbH & Co. KG bears full responsibility for the proper execution of the entire package tour.\nIn addition, Velociped GmbH & Co. KG holds the statutory protection for the repayment of your payments and, if transport is included in the package tour, to ensure your return transportation in case of bankruptcy.\n• The travelers get all the essential information on the package tour before completing the package tour contract.\n• At least one contractor is always liable for the proper performance of all the complimentary contract travel services.\n• The travelers receive an emergency telephone number or contact information through which they can contact the tour operator or the travel agency.\n• Travelers can transfer the package tour to another person within a reasonable time and possibly at additional cost.\n• The price of the package tour may only be increased if certain costs (eg fuel prices) will increase and if this is expressly provided for in the contract, and in any event no later than 20 days before the start of the package tour. If the price increase exceeds 8% of the package tour price, the traveler may withdraw from the contract. When a tour operator reserves the right to a price increase, the passenger has the right to a price reduction if the costs decrease.\n• Travelers can withdraw from the contract without paying a cancellation fee and receive a full refund of all payments if one of the essential components of the package tour except for the price is significantly changed. If the operator responsible for the package tour cancels the package tour before the package tour begins, travelers are entitled to a reimbursement of costs and possibly a compensation.\n• In case of exceptional circumstances, such as serious security problems at the destination which are expected to affect the package tour, travelers can withdraw from the contract before the start of the travel package tour without paying a cancellation fee.\n• In addition, travelers can withdraw from the contract at any time prior to the start of the package tour in exchange for an appropriate and reasonable cancellation fee.\n• If essential components of the package tour can not be carried out as agreed after the beginning of the package tour, suitable alternative arrangements shall be offered to the traveler at no extra cost. The traveler can withdraw from the contract without payment of a cancellation fee (in the Federal Republic of Germany this right is called \"Termination\"), if services are not provided in accordance with the contract and if this has a significant impact on the provision of the contractual package tour services and if the tour operator fails to remedy the situation.\n• The traveler is entitled to a price reduction and / or compensation if the travel services are not provided or not provided properly.\n• The tour operator provides the traveler assistance when the traveler is in trouble.\n• In the event of insolvency of the tour operator, or – in some Member States – of the travel agent, costs shall be refunded. If the insolvency of the tour operator or, if applicable, the travel agent occurs after the start the package tour and if transportation is part of the package tour, the return transportation of the travelers is guaranteed. Velociped GmbH & Co. KG has entered into a bankruptcy protection with TourVERS Touristik-Versicherungs-Service GmbH. Travelers can contact this facility if they are denied benefits due to the insolvency of Velociped GmbH & Co. KG (TourVERS Touristik-Versicherungs-Service GmbH, Borsteler Chaussee 51, 22453 Hamburg, Tel. +49 (0)40 2442880,", "domain": "economics"}
+{"url": "https://coinbaseazextension.w3spaces.com/", "date": "2024-04-21T19:51:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817819.93/warc/CC-MAIN-20240421194551-20240421224551-00493.warc.gz", "language_score": 0.8852834701538086, "token_count": 569, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__15334768", "lang": "en", "text": "In the rapidly evolving landscape of cryptocurrency, access to reliable and secure platforms is paramount. Introducing the Coinbase Browser Extension, a powerful tool designed to streamline access to Coinbase's suite of cryptocurrency services directly from your web browser. Let's delve into how this extension revolutionizes the way users interact with their digital assets.\nThe Coinbase Browser Extension is a feature-rich tool developed by Coinbase, a leading cryptocurrency exchange platform. It enables users to access Coinbase's services conveniently and securely without leaving their web browsing environment. Whether you're buying, selling, or managing your cryptocurrency portfolio, the Coinbase Extension puts the power of Coinbase at your fingertips.\nOne-Click Access to Coinbase Services: With the Coinbase Extension installed in your web browser, you can seamlessly access Coinbase's platform with just one click. This eliminates the need to navigate to the Coinbase website manually, saving you time and effort.\nReal-Time Price Tracking: Stay informed about the latest cryptocurrency prices with real-time price tracking directly in your browser. The Coinbase Extension provides up-to-date price information for a wide range of cryptocurrencies, allowing you to make informed decisions about your investments.\nInstant Notifications: Never miss an important market movement or trading opportunity. The Coinbase Extension delivers instant notifications about price changes, account activity, and other relevant updates, keeping you informed and empowered to take action when needed.\nSecure Authentication: Security is paramount when it comes to managing your cryptocurrency assets. The Coinbase Extension ensures secure authentication by leveraging advanced encryption and authentication protocols, providing peace of mind to users.\nBenefits of Coinbase Browser Extension\nConvenience: The Coinbase Extension offers unparalleled convenience by allowing users to access Coinbase's services directly from their web browser. Whether you're browsing the web or conducting research, you can seamlessly manage your cryptocurrency portfolio without interrupting your workflow.\nReal-Time Insights: Stay ahead of the curve with real-time insights into cryptocurrency prices and market trends. The Coinbase Extension provides up-to-date information at your fingertips, empowering you to make informed decisions about your investments.\nEnhanced Security: With secure authentication and advanced encryption, the Coinbase Extension prioritizes the security of your cryptocurrency assets. Rest assured that your funds are safe and protected while using the extension.\nSimplified Trading Experience: Buying, selling, and managing your cryptocurrency portfolio has never been easier. The Coinbase Extension streamlines the trading experience, allowing you to execute trades and access account information with just a few clicks.\nThe Coinbase Browser Extension revolutionizes the way users interact with their cryptocurrency assets. With its seamless access to Coinbase's services, real-time insights, enhanced security features, and simplified trading experience, the Coinbase Extension is a must-have tool for cryptocurrency enthusiasts and traders alike. Experience the future of cryptocurrency management with the Coinbase Browser Extension.", "domain": "economics"}
+{"url": "http://gogetfetch.com/", "date": "2017-08-24T02:54:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-34/segments/1502886126027.91/warc/CC-MAIN-20170824024147-20170824044147-00687.warc.gz", "language_score": 0.9441049695014954, "token_count": 313, "dump": "CC-MAIN-2017-34", "global_id": "webtext-fineweb__CC-MAIN-2017-34__0__81524039", "lang": "en", "text": "Go-Getters are at the center of Fetch and the ones who perform tasks in the Fetch Ecosystem. We welcome all users to participate earning money on the platform.\nYou set your available hours, set your rates and work on your terms.\nWhether you own a Shop or sell Jewelry online, Fetch can provide more customers to your business. Think of it as an “online shop in a box”. Anything you sell, online or off you can list on the Fetch platform, which users can browse, buy and have delivered to their homes instantly using the Fetch delivery network.\nJob setters are the valued users that use and trust Fetch to take care of the things they need done in a hurry.\nFetch is a mobile application based in Dublin, Ireland offering a marketplace for 24 hour services which provides a unique experience for both the customer and the employment market by providing a one-stop platform where, “Anybody can work for Everybody”.\nIn an age where more and more is getting done through the peer-to- peer market place, we at Fetch are committed to creating a high quality, one-stop application which will help the customer “get things done”, whilst at the same time creating employment both locally and nationally.\nWe are dedicated to providing customers with the highest quality of varying services, whilst offering jobseekers the opportunity to earn a living wage. We hope to create a fair and equal national marketplace for personal enterprises, services providers and large businesses.", "domain": "economics"}
+{"url": "http://www-cash-advance-support.com/", "date": "2017-11-25T11:12:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-47/segments/1510934809778.95/warc/CC-MAIN-20171125105437-20171125125437-00459.warc.gz", "language_score": 0.960084080696106, "token_count": 1273, "dump": "CC-MAIN-2017-47", "global_id": "webtext-fineweb__CC-MAIN-2017-47__0__131775067", "lang": "en", "text": "Emergencies do not come with warning, they just happen. Moreover, they come at a time when you could be hard-pressed for cash or are yet to receive your paycheck. Unexpected hospitalization, car repairs and similar situations can crop up all of a sudden, and this can happen to anyone. Online cash advance support comes as a blessing in such situations. It helps meet your immediate need and can be secured quickly and conveniently from the safety and comfort of your home.\nWhat Is Cash Advance?\nA cash advance or payday loan is a short term loan of a week or two, and is credited to the borrower’s bank account within a couple of hours, after it is approved. The cash loan is offered by private lenders and lending institutions and hence the loan process is different from that of banks. Loan is simpler and easier to get.\nThere is no need for any collateral or financial document proofs, but some lenders may choose to check your paying back credibility. However this is rare.\nSince cash advance support can be applied for online, it is hassle free and saves time. Also, you do not have to be physically present at the lender’s office to get the loan sanctioned.\nThere are certain benefits of applying for a cash advance loan, as opposed to approaching a bank for the same.\nTime Saving & Hassle-Free Loan\nOnline payday cash advance is easy to apply for and also time-saving. Cashadvancesupport requires none to minimal documentation and has greater chances of being approved, as compared to getting a loan application approved from a bank. It is quick, reliable, and simply the easiest way to get liquid cash in hand in a matter of hours.\nInstant Approval & Cash Dispersal\nUnlike banks that can take weeks to process your loan, cashadvancesupport is almost instant. It takes just a couple of minutes to fill in the loan application and another few minutes to know if your request has been approved. In most situations, borrowers can receive funds directly into their bank account within hours.\nBad Credit, Not An Issue\nWith cash advance support, a bad credit history will not weigh down your chances of securing a cash loan. If you have a secure job, with a regular paycheck, the lender may overlook any discrepancies in your credit score. So if you have missed a repayment or two, you will not be judged as being incapable of paying back the loan. Banks would look at this otherwise, as a bad credit history is a no-no for them. Hence, cashadvancesupport is your ideal option here, if you wish for an easy to get cash loan.\nNo Documentation Or Faxed Application\nIn most cases, you are not required to submit or upload any financial documentation when you apply for a cash advance. The entire process is done online, using an online application form. You do not have to fax in a duly filled application for getting cash advance support. The hassle-free application process gives you every reason to apply for an online payday loan.\nNil Processing Fee Or Prepayment Charges\nThere is usually no processing fee, just the interest that is charged on the amount that you wish to borrow. If there is a processing (different lenders may have varying rules) fee, it will be a small sum. The interest is charged on a daily basis. You can pay back the cash advance support when you want, as there is no obligation as to when you must pay the loan. Also, there are no prepayment charges, if you choose to pay the payday loan well before its due date.\nGet Loan Up To $1,500\nYou can get anywhere from $100 to $1,500 in cash advances to help meet your financial need at the moment. Your immediate emergency can be handled with the cash advance support that you can get from private lenders online. As soon as you get your paycheck or funds released, you can pay back the loan, and you will be charged interest only for the days that you used the cash advance.\nPay Your Medical Bills, Repair Car Or Use For Other Emergencies\nWith the ease at which one can get cash advance support, it is not difficult to overcome financial stress during sudden emergencies. Easy accessibility and speed at which loan is disbursed, makes payday loans an instant savior and ideal solution for fulfilling cash requirement at short notice.\nVisit The WWW To Get CashAdvanceSupport\nCash advance support is the one and only guaranteed method for obtaining quick cash when you need it most. No financial institution will lend you money so quickly and without any documentation. You do not have to venture out or run from post to pillar in order to get your loan sanctioned. Besides, many banks have a certain lending threshold and do not oblige to sanctioning small amounts and for short periods like a week or 5 days.\nRead Cash Advance Support Reviews Before Aplying Online\nIn fact, getting cash advance support is as easy as any other online activity. There are plenty of lenders available online that will lend you the money without much fuss. You just need to do a bit of research and find a lender, who is offering you the maximum loan and at a minimum rate of interest. Although interest rates can be high for payday loans, they are your most feasible option when it comes to borrowing money instantly.\nCash Advance Support COM Sites\nThere is no credit check, no bank documents, salary slips, nothing required for the process. Simply go online, choose a lender and apply for a loan. There are some websites that offer a series of lender options and you can choose one from them. So get a payday loan today, with the ease of applying through your PC or even your cell phone. Receive instant cash credits straight to your bank account, for use immediately. Don’t worry if you have a bad credit history, as you can still apply and get approved for cash advance support loan.\nI needed some quick cash to buy some equipment for my business. I didn’t want to wait around for a business loan so I decided to try them out. I was able to buy what I needed within a week!\nMy money arrived on the very next day, and the whole process was as easy as possible. Thanks!", "domain": "economics"}
+{"url": "http://www.johncrawfordmarine.com.au/news/jcm-news", "date": "2017-08-24T03:13:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-34/segments/1502886126027.91/warc/CC-MAIN-20170824024147-20170824044147-00051.warc.gz", "language_score": 0.9519882798194885, "token_count": 1462, "dump": "CC-MAIN-2017-34", "global_id": "webtext-fineweb__CC-MAIN-2017-34__0__289037276", "lang": "en", "text": "John Crawford Marine (JCM) owners, Matthew and Anita Hodson are active members of the boating and marine community and innately understand the impacts they have on the environment and all of its terrestrial & aquatic inhabitants. The JCM team consists of individuals with a shared love of the water – inland creeks and rivers, and the wide-open oceans. They acknowledge the existence of the day-to-day micro-environment in which they operate – presenting, selling and maintaining recreational boats.\nENERGY EFFICIENCY APPROACH\nProtecting the waterways is paramount to the Company’s ethos of “respectful use”. This also transfers into the way on-land operations are carried out. As a family owned and operated business, integrating a process of respect and care for the environment is something that is achieved with a top-down management approach. Taking action to show everyone on the team, that environmental responsibility is vital for the ongoing enjoyment of what we have today.\nThe current owners, Matthew and Anita Hodson purchased John Crawford Marine in 2004. After watching the steady increase in operational costs continually challenging profit margins they decided to tackle the challenge head-on. Matthew and Anita decided to investigate opportunities that started with significantly reducing their electricity costs. The rest followed from there.\nThe first step was changing the type of power sourced, moving from mains power to self-generation. A 5-kilowatt solar power generation system was installed on the roof of the administrative building costing approximately $15,000 to purchase and install. Electricity bills decreased significantly –from $1,000 per month down to only $300 - achieving a 75% reduction in electricity costs helped to pay the system off within 3 years.\nThe JCM team calculated how much electricity is consumed in a general 24-hour period. They then went on to calculate the capacity of the solar generation system. The outcome of the calculation was a shortfall, so the team started to identify what uses electricity and how it can be reduced.\nImprovement actions include:\n1. Installing a manual timer on half of the external floodlights used to night-light the yard. These lights are on timer to turn on at 6:00pm and off at 9:30pm daily.\n2. Installing daylight sensors on the alternate half of the external floodlights will turn yard lighting on at dusk and off at dawn - providing artificial lighting for security and safety requirements.\n3. Investigations are continuing to source a suitable LED replacement bulbs for external floodlights. Currently 6 x 1000W bulbs could be replaced using a 100W LED substitute, though the cost to purchase the LED bulb remains cost prohibitive – at this stage. As LED continues to decrease in price, a time will come when the purchase decision is justified.\n4. Workshop lighting requirements were assessed and investigations found that 1 x 60W LED light source provided sufficient light enable the replacement of 2 x 500W Halogen lights. One of the existing fixtures was moved to a better position, providing more direct light to the area where light was required, rather than supplying light into areas where light was not required.\n5. Passive heating and cooling techniques are now used in the administrative office building. Air-conditioning systems are no longer turned on at the start of the day; staff arrive in the morning and open the doors and windows to allow natural breezes and provide fresh-air ventilation. Window coverings are opened or closed depending on the season and if the space needs to be heated or cooled. The office now uses only 15kW of electricity each day.\nOn average there are 60 boats on the yard, each with 2 x batteries, which is a total of 120 batteries at any one time. Charging these batteries is difficult and can pose a safety risk when the need arises to have them charged. Multiple boats moved around the yard, into the workshop, can be risky with customers on the lot. The workshop area becomes congested and hard to move around.\nUse a mobile solar panel. Attach the solar panel to a battery in a boat. Charge it using the sun’s power without the need to move the boat. It also becomes a beacon for sustainability, seen by drive-by traffic and customers to the yard.\nThe JCM team has grown to acknowledge that whilst the road to sustainability starts with one step, it can be a long and windy journey. Following the changes implemented in the office and lighting system, waste and recycling was the next area of focus.\nLike a lot of other businesses, JCM used to have one large commercial waste bin onsite that was emptied on a regular cycle. After completing a thorough assessment of waste streams onsite, the following recyclables where identified for recycling:\n• Scrap steel\n• Flares and EPIRBs\n• Office paper and cardboard\nRecyclers were identified and one chosen to provide a recycling service for each of the listed products. Management of the waste and recycling process has now become so easy, it virtually looks after itself.\nDuring the drought years in Brisbane, JCM underwent a process to develop a Water Efficiency Management Plan (WEMP) for water use onsite. As a retailer of product that resides outdoors, it is important for product to be kept as clean as possible, therefore using a significant amount of water in the daily washing of the boats.\nThe WEMP was an opportunity for management and employees to better understand workflow processes and identify areas for improvement or change. Simple things like adding a trigger gun onto the hose automatically turned the water off when it wasn’t needed.\nA rainwater tank was also installed to capture water run-off from the roofs of the workshop and office, and plumbed back into toilets and the wash bay, reducing the need for potable town water down to zero. Another unexpected benefit of switching to rain water washing is that boats washed in rainwater do not need chamois – reducing labour time by 20 to 25 minutes per boat wash.\n1. Understanding that costs will continue rise. Therefore it is imperative to minimise the cost impact on the business by reducing energy consumption and minimise waste. This is achieved by establishing a culture of nurturing - energy efficiency and recycling program are adopted in daily work routines.\n2. Allow staff and management to feel they are working in an environment that is proactively reducing its energy consumption and wastage; and not to feel a sense guilt if we weren’t to do something.\n1. JCM is acknowledged as a conscious of user of energy.\n2. Adopting sustainability practices could not take place without collaboration and partnership.\n3. Financial benefits achieved - continue to grow in value.\n4. JCM’s reputation is maintained for being on the forefront of marine retail dealerships.\n“...it is imperative to minimise the cost impact on the business by reducing energy consumption and minimise waste”\nAnita and I would like to thank the National Retailers Association (NRA) and the Australian Government - Department of Industry for their efforts in compiling this study and recognising John Crawford Marine's efforts in energy sustainability and management.", "domain": "economics"}
+{"url": "https://hitehedge.com/team/", "date": "2023-01-27T06:58:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764494974.98/warc/CC-MAIN-20230127065356-20230127095356-00457.warc.gz", "language_score": 0.9583123326301575, "token_count": 562, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__32650321", "lang": "en", "text": "Mr. Niblack has managed HITE’s portfolios since 2013. Over this time he has formalized HITE’s investment process bringing an emphasis on proprietary modeling and analytics and has overseen the build-out of HITE’s trading infrastructure. Mr. Niblack brings unique perspective from prior generalist experience at Bain & Company in both public equities investing and private equity due diligence. He earned his MBA from the Tepper School of Business at Carnegie Mellon University in 2004, and his B.S. in Computer Science from Wheaton College (IL) in 2001.\nMr. Jampel, founder of HITE, has been trading energy securities since 2004. Over that 18-year period, he has steadily grown assets from less than $1 million to over $600 million. Prior to HITE, James co-founded RoadLink USA, North America’s largest independent intermodal trucking company at the time, which he helped manage from 1998 – 2003. From 1991 to 1998 he was a Principal at A.T Kearney Management Consulting, specializing in board-level projects for Fortune 500 transportation providers. James earned an MBA in finance from Kellogg (Northwestern) in 1991, and a BA cum laude in economics from Harvard in 1985.\nMr. Levine has been in the investment industry since 2004. Prior to joining HITE, he founded Odin River, a firm focused on short-biased, ESG investing. He was previously on the investment team at Paulson & Co., deploying more than $10bn across industries including energy and automotive. He was also previously on investment teams at Artivest, Canyon Capital, Colony Capital, and PAAMCO and began his career in Power & Energy M&A at Lehman Brothers. Mr. Levine earned a JD cum laude from Harvard Law School and an MBA with honors from Harvard Business School in 2009 and an AB summa cum laude in Philosophy and BSBA magna cum laude in Finance from Washington University in St. Louis in 2001.\nMr. Levi has 30-years of investment experience with expertise in utilities, power, natural gas and cleantech sectors and has a track record of over 20 years as a portfolio manager in these sectors. He joined the firm after spending the last nine years at ExodusPoint Capital and Millennium. Previously, he joined Brencourt in 2007. In 2001 Andrew began managing capital in the energy sector for Bear Stearns, working closely with the late John Mulheren. His career began as a sell-side utilities analyst at Morgan Stanley, Furman Selz and Credit Suisse in the 1990’s, becoming a top ranked analyst in the sector. He graduated with a BS in Finance from Fairleigh Dickinson University in 1988.", "domain": "economics"}
+{"url": "http://www.saintwallstreet.net/", "date": "2013-05-24T08:57:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368704392896/warc/CC-MAIN-20130516113952-00074-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9398854374885559, "token_count": 736, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__69359418", "lang": "en", "text": "How to Help Nonprofits Qualify for Sustainability\nand Ensure the Biggest Bang for the Buck!\nCharitable giving is being replaced today by charitable investing, as governments, foundations, and donors increasingly look to receive the biggest bang for their buck. Those who give money now see themselves not only as stakeholders, but as shareholders in the business of cost-effectively improving the human condition. To attract and sustain support driven by bottom-line interests, nonprofits must demonstrate not just social significance, but economic value. (See \"Qualify for Sustainability\" below.)\nSaint Wall Street LLC provides training and technical assistance via the Change Leaders Advantage to help health and human services providers prove investment worthy in today’s value-driven marketplace. Change agents become change leaders who understand, communicate, and leverage the market value of their health and human services, using our proprietary Program Return on Investment™ (PROI) model to demonstrate returns on investment for taxpayers, governments, and businesses.\nPROI-trained organizations have raised $40+ million in new funding!\nSaint Wall Street LLC is an SBA-approved Woman-Owned Small Business and a growing company of strategic partners and instructors strengthening the programs that strengthen people. Our innovative, practical approaches empower the health and human-services program(s) you fund or manage to transition from fundraising to value-raising and achieve sustainability in any economic climate.\nClick here to see how one nonprofit organization used its\nPROI case for support to demonstrate return on investment.\nSaint Wall Street LLC clients include federal and state agencies, universities, national intermediaries and individual organizations across America. For the past three years, PROI has been a sustainability training initiative funded by the Office of Family Assistance under the U.S. Department of Health and Human Services' Administration for Children and Families.\nThe following is offered to help you begin qualifying your organization(s) for sustainability.\nQualify for Sustainability\n1. What does the organization want to sustain? (The answer is not funding.) People support what they value, namely: child and family well-being; public safety and justice; and economic development. Seek to sustain the efforts that remedy these concerns and generate tremendous returns on investment for government, businesses, and community.\n2. Are organization leaders investment-worthy? People favor people who lead by example. Today, grant makers expect to see nonprofit boards provide financial support, executive directors think smart vs. small, and organizations collaborate vs. compete. Exhibit sustainable leadership by adopting these approaches and others that leverage internal relationships and resources.\n3. Are human impacts being measured? People want their money to make a big difference. Beyond merely reporting numbers reached and served, produce a compelling case for support that documents positive changes in human behavior and reveals the resulting cost-benefits for taxpayers and businesses.\n4. Is the organization duly recognized? People prefer getting behind efforts that are well-known and highly regarded by others. Discover how to publicize successes and their value at virtually no cost, and use the positive outreach to gain much-deserved recognition and support.\n5. What’s the plan to develop new revenue streams? People provide sustainable support in many ways – grants, donations, sponsorships, and purchases. Engage value-driven strategic planning to develop sustainability strategies that will satisfy the interests of those who give money and inspire multiple forms of investment (grants, donations, corporate gifts and social impact bonds, as well as earned income), for years to come.\nThe Change Leaders Advantage, featuring PROI:\nthe missing piece to sustainability for nonprofit health and human services providers", "domain": "economics"}
+{"url": "http://www.govdeals.com/TsandCs.cfm?acctid=863", "date": "2013-05-21T15:46:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368700168711/warc/CC-MAIN-20130516102928-00088-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9436845779418945, "token_count": 1855, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__164389192", "lang": "en", "text": "County of Henrico\nOnline Sales – Terms and Conditions\nAcceptance of Terms and Conditions. By submitting a bid, the bidder agrees that they have read, fully understand and accept these Terms and Conditions of Online Sales, and agree to pay for and remove the property, if the bid is accepted, by the dates and times specified.\nGuaranty Waiver. All property is offered for sale “Sold As Is – No Warranty” at the point shown. County of Henrico (Seller) makes no warranty, guaranty or representation of any kind, expressed or implied, as to the merchantability or fitness for any purpose of the property offered for sale. Those submitting bids are expected to examine the property and determine for themselves the information they desire concerning it. The Buyer is not entitled to any payment for loss of profit or any other money damages – special, direct, indirect, or consequential.\nConflict of Interest. In accordance with the terms of the State and Local Government Conflict of Interests Act, Virginia Code, Sections 2.2-3100 through2.2-3127, the following provisions apply to the sale of surplus County property.\n(1) Employees of an agency or office, including members of their immediate family, may not participate in the purchase from the County of any property which has been declared surplus by that agency or office and which is sold by public auction or through competitive sealed bidding.\n(2) Employees of the Department of General Services - Central Automotive Maintenance, as well as members of their immediate family, may not participate in the purchase from the County of any automotive equipment sold at public auction or through competitive sealed bidding.\n(3) Employees of the Department of General Services - Purchasing Office, as well as members of their immediate family, may not participate in the purchase from the County of any item which is sold at public auction or through competitive sealed bidding.\n(4) Any County employee, regardless of his or her position, agency, or office, who has acquired, by reason of his or her position, confidential information about the property being sold, and which information is not available to the public. May not participate in the purchase from the County of any property (about which he has acquired confidential information), which is sold at public auction or through competitive sealed bidding.\n(5) All County employees may purchase property from the County, which is offered for sale at uniform prices available to the public.\n(6) In paragraphs (1) through (3) above, the term \"immediate family\" means a spouse and any other person residing in the same household as the officer or employee, who is a dependent of the officer or employee or of whom the officer or employee is a dependent. \"Dependent\" means a son, daughter, father, mother, brother, sister, or other person, whether or not related by blood or marriage, if such person receives from the officer or employee, or provides to the officers or employee, more than 1/2 of his financial support.\nQuestions concerning the application or interpretation of the State and Local Government Conflict of Interests Act with respect to the purchase or surplus property should be directed to the office of the Commonwealth Attorney or the County Attorney.\nDescription Warranty. The description of property offered for sale has been compiled from available data, but there is no guaranty or warranty on the part of the County as to condition or quality, or that the property offered or a portion thereof may not be withdrawn prior to the sale. The County can furnish no service of any kind and any cost of weighing, the bidder shall assume packaging, crating, loading, or hauling unless otherwise indicated. Bidders are invited and urged to inspect the property before submitting their bid. The responsibility as to the condition of the property rests with the bidder. Under no circumstances will a refund or adjustment be made because property not coming up to the standard expected, nor will failure to inspect be considered grounds for such claim. Please note that upon removal of the property, all sales are final, no refunds, no returns, and no exchanges.\nInspection. Most items offered for sale are used and may contain defects not immediately detectable. Bidders may inspect the property prior to bidding. Property may be inspected between the hours of 8:00a.m. and 3:00p.m., Monday through Friday, excluding legal holidays. For information, please contact the agency representative listed in “Special Instructions”.\nPersonal and property risk. Persons attending during inspection, sale or removal of goods assume all risks of damage of or loss to person and property and specifically release the Seller and GovDeals from liability therefore. The purchaser is to assume all liability for the property after the award is made. The County will exercise its usual care for protection up to the time of removal, but will not be responsible for any loss or damage whatsoever. No property may be removed by the purchaser prior to full payment of the purchase price.\nConsideration of Bid. Seller reserves the right to reject any and all bids and to withdraw from sale any of the items listed and/or to waive all technicalities.\nBuyer’s Certificate. Successful bidders will receive a Buyer’s Certificate by email from GovDeals.\nBuyers Premium. If a Buyers Premium is shown on the auction page bidder box, then that amount (expressed as a percentage of the final selling price) will be added to the final selling price of all items in addition to any taxes imposed.\nPayment. Payment in full is due not later than 5 business days from the time and date of the Buyers Certificate. Payment must be made electronically through the GovDeals Website. Acceptable forms of payment are:\n· Wire Transfer\n· American Express\nPayPal and Credit Card purchases are limited to below $5,000.00. If the winning bid plus applicable taxes, if any indicated, and the buyer's premium, equals more than $4,999.99, PayPal and Credit Cards may not be used. If Wire Transfer is chosen, a Wire Transfer Transaction Summary page will provide payment and account information. The Wire Transfer must be completed within 5 days.\nSales Tax. State of Virginia sales tax of 5.0% of the final purchase price will be collected at time of payment, unless successful bidder can furnish tax exemption certificate or information.\nRemoval. All items must be removed within 10 business days from the time and date of issuance of the Buyer’s Certificate. Purchases will be released only upon receipt of payment as specified. Successful bidders are responsible for loading and removal and any and all property awarded to them from the place where the property is located as indicated on the website and in the Buyer’s Certificate. The Buyer will make all arrangements and perform all work necessary, including packing, loading and transportation of the property. Under no circumstances will Seller assume responsibility for packing, loading or shipping. Property may be removed between the hours of 8:00 a.m. and 3:00 p.m., Monday through Friday, excluding legal holidays. Please contact in advance to schedule time for pick-up. For information, please contact the agency representative listed in “Special Instructions”. The successful bidder must assume all liability that may be incurred in connection with the removal of the property from the premises. If the purchaser does not remove the property purchased within the specified number of days after date of the award, the County of Henrico reserves the right to retain the purchase price and re-sell the property a second time, keeping any proceeds obtained.\nVehicle Titles. Seller will issue a title or certificate upon receipt of payment. Titles may be subject to any restrictions as indicated in the item description on the website. Open titles cannot be issued. County of Henrico will not issue replacement titles.\nDefault. Default shall include (1) failure to observe these terms and conditions; (2) failure to make good and timely payment; or (3) failure to remove all items within the specified time. Default may result in termination of the contract and suspension from participation in all future sales until the default has been cured. If the purchaser fails to pay for the property within ten (10) days the property purchased may be promptly re-sold in such manner as the Director may elect and the defaulting purchaser charged with loss to County, if any, together with all expense of the sale. Seller reserves the right to reclaim and resell all items not removed by the specified removal date.\nAuthority to restrict or suspend. Current and future participation in public auctions is subject to the laws governing removal and suspension. The Purchasing Manager may restrict or suspend any person or firm from participation in the public sale of county-owned property who fails to complete transactions from bid. Reasons for removal or suspension includes, but is not limited to the following reasons:\n1. Failure to pay for all items awarded.\n2. Failure to remove all items awarded and paid for from county property with the time allowed.", "domain": "economics"}
+{"url": "https://www.usd398.net/article/778662", "date": "2023-10-03T01:17:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511023.76/warc/CC-MAIN-20231002232712-20231003022712-00500.warc.gz", "language_score": 0.9453881978988647, "token_count": 576, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__97488517", "lang": "en", "text": "School Nutrition Program Information for School Year 2022-2023\nCongress did not extend federal school meal waivers and school meals will NO LONGER BE AVAILABLE TO ALL STUDENTS FREE OF CHARGE effective at the start of the 2022-2023 school year. Households may complete an application for Free or Reduced-Price School Meals starting July 1st, 2022 or during the 2022-2023 enrollment process. The new online application can be found here, https://schoolmealsapp.ksde.org/Home/welcome/D0398 . ALL families are encouraged to fill out an application as soon as possible. Only students with approved applications, or who are directly certified, will receive free or reduced-price meals for the 2022-2023 school year. Families who do not qualify for free meals will be responsible for paying for their child(ren)'s meals at reduced or paid rates. Meal Prices for the 2022-2023 school year are as follows:\nStudent paid Breakfast: $2.10 Student reduced Breakfast: $0.30\nElementary paid Lunch: $3.00 Student reduced Lunch: $0.40\nJH/HS paid Lunch: $3.25 Extra Milk: $0.50\nFrequently Asked Questions\nQ: Will school meals be free of charge for ALL students in school year (SY) 2022-23?\nA: No. Congress did not extend school meal waivers and school meals will no longer be available to ALL students free of charge. Students that do not qualify for free meals will be charged for each meal they take at the beginning of school year 2022-2023.\nQ: How can households apply for free or reduced-price meal benefits for SY 2022-23?\nA: Households can qualify for free and reduced-price meals by filling out an application either at the district office, at your school, or by filling out the new online application https://schoolmealsapp.ksde.org/Home/welcome/D0398\nQ: Is there a way for households to apply online for free and reduced-price meal benefits?\nA: Yes. The online application is located here, https://schoolmealsapp.ksde.org/Home/welcome/D0398\nQ: When can my household complete an application for free and reduced-price meals?\nA: Applications for free and reduced-price meals will be available beginning July 1st, 2022.\nQ: When will households start being charged for meals?\nA: At the beginning of the 2022-2023 school year, students who do not qualify for free meals will be charged for each meal taken.\nQ: Who determines the meal price for paid meals?\nA: Local school boards are required to set and approve student meal prices annually.", "domain": "economics"}
+{"url": "http://www.bethesdaschools.org/support/patriot_partners.cfm", "date": "2017-04-23T13:51:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917118707.23/warc/CC-MAIN-20170423031158-00084-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9568616151809692, "token_count": 381, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__221562318", "lang": "en", "text": "Patriot Partners is comprised of people who desire to help fulfill the mission of BCS ... to provide excellent academic instruction that is consistent with Biblical truth and which honors the name of Christ. This is accomplished as an investment in students, through prayer and financial support.\nExcellent Christian education is expensive. This is especially true in a PK-12 school that strives to provide outstanding opportunities in academics, the arts, athletics, spiritual development and in the variety of activities that complete the educational experience.\nBCS wants to be a school comprising of students from all economic levels. In other words, the school seeks to make Bethesda Christian's tuition accessible to all who desire a Christian education. However, with a rising cost of living, school expenses continue to escalate year after year.\nThat's why BCS needs the support of Patriot Partners ... to provide a quality Christian education for our students and to provide support of the school's Financial Aid Fund. Monies contributed for financial aid are used to offset the amount of financial aid that is made available to those families who qualify through the recommendation of a third-party agency. Typically, the total financial aid need far exceeds the available funds in the Financial Aid Fund.\nYour support of this important endeavor will help ensure more and more families can enjoy the critical benefits of a Christian education for their children.\nHow can I become a Patriot Partner?\nSupport for Bethesda Christian students can be provided through a one-time gift or through a commitment to give on a monthly or other regular basis during each school year. Checks may be made payable to Bethesda Christian Schools or you can pay online using our donate now option. Appreciated securities, real estate or other items of value are also accepted.\nIf you would like to invest in our students by becoming a Patriot Partner, please contact Mr. David Stafford in the BCS Business Office at 317-858-2820.", "domain": "economics"}
+{"url": "https://mikehenrysr.com/2015/07/03/your-insurance-at-work/", "date": "2023-01-31T03:25:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499842.81/warc/CC-MAIN-20230131023947-20230131053947-00219.warc.gz", "language_score": 0.9771028161048889, "token_count": 477, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__301613957", "lang": "en", "text": "This year, my employer changed to a high-deductible plan to help maintain some sense of sanity with our health insurance premiums. Because my wife and I both need maintenance prescriptions to live, we began to learn how to manage deductibles and to work to keep our health-related expenses to a minimum. So I found places like GoodRx and others that help you with the cost of your medicine.\nWe recently exceeded our deductible and now pay 10% of the costs. So I was surprised when the cost of my Crestor was $30. You see, the cost of the Crestor before the deductible had been met was around $225 or less. I didn’t remember exactly what it was, but since I was paying more like 15% instead of 10% I thought I’d check.\nGoodRx showed the drug as costing $227 at my local neighborhood Walgreens, in Collinsville, OK. This did require that I use a free coupon. So I decided to go back to Walgreens and offer them the coupon to reduce the burden on my insurance company. I was intrigued that the coupon would be worth $49. It seems a bit steep.\nWhen I got back there, I was told that the $227 price was only if I was paying the bill. If they bill the insurance company, they bill $276. Interesting.\nWhat do you think? Would you continue to support a business that charged your insurance company 20% more for the same drug? Would you continue to support an insurance company or vote for elected officials if they suggest that 20% is a fair price to pay for the insurance overhead, in addition to premiums? I’d appreciate your opinions below, assuming they’re civil.\nYou can also go here and tell Walgreens what you think. Feel free to refer to this article too. I don’t think my insurance company should pay the extra $50. I don’t care what you think about insurance companies. They don’t print the money they pay Walgreens. They collect it from us.\nNote: In the end, Walgreens wasn’t charging more to the insurance company. When I got to the bottom of it, they were doing the right thing and I still use this store for my prescriptions.", "domain": "economics"}
+{"url": "https://opsis.eci.ox.ac.uk/author/daniel-adshead/", "date": "2023-06-07T17:03:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224653930.47/warc/CC-MAIN-20230607143116-20230607173116-00278.warc.gz", "language_score": 0.899891197681427, "token_count": 215, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__89286337", "lang": "en", "text": "Daniel’s doctoral research focused on the role of infrastructure in sustainable development. In particular, he looks at how infrastructure investments and policies can be most effectively implemented in order to achieve progress toward the UN Sustainable Development Goals and the Paris Agreement on climate change. Daniel uses engineering-based national infrastructure systems models to assess infrastructure needs in the context of uncertainty around future demographic, economic and climate change drivers in a range of international contexts, including small island and post-conflict countries.\nDaniel’s research is part of the Infrastructure Transitions Research Consortium (ITRC), led by the University of Oxford. He also collaborates with the UN Office for Project Services (UNOPS) developing methodology and tools to enhance sustainability in infrastructure project delivery.\nPrior to Oxford, Daniel spent nearly three years at the OECD Development Centre with a focus on economic and fiscal development in Latin America. He holds an MSc in Environmental Change and Management from Oxford, an MPhil in International Economics from Université Paris 1 Panthéon-Sorbonne and a BA from McGill University.", "domain": "economics"}
+{"url": "https://www.edulinx.co.jp/en/2021/07/26/edulinx-itseki-partnership/", "date": "2024-02-24T09:47:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474526.76/warc/CC-MAIN-20240224080616-20240224110616-00591.warc.gz", "language_score": 0.944766104221344, "token_count": 749, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__194697539", "lang": "en", "text": "TOKYO, JAPAN, July 26, 2021\nEdulinX Corporation (Head Office: Nishi-Shinjuku, Shinjuku-ku, Tokyo; President: Peter A. Owans), a provider of EdTech solutions for English language learning and human resources development, has announced the launch of a new e-learning course, “Finance & Accounting for Business Leaders.” The course is designed to help employers upgrade core employee skills in finance and accounting and was developed in collaboration with Itseki Group (Main office: Kanda Jinbocho, Chiyoda-ku, Tokyo; Representative: Toshiaki Susaki), a leading tax and accounting firm that provides top-notch services for global companies in Japan.\nEmpowering Employees with Finance Skills\n“Clients often tell us that solid finance skills are one of their most critical needs for employee development,” said Peter A. Owans, CEO of EdulinX Corporation. “Our new Finance and Accounting course is designed to give employees the core skills they need on the job. Mastering these skills will also help their personal career growth.”\n”Finance & Accounting for Business Leaders” teaches the fundamentals of financial accounting to those outside the accounting field, including business leaders, managers and high potential employees. The course will help students strengthen their financial literacy by introducing them to the different types of financial statements and how to conduct basic financial analysis. The course also covers financial goal setting, budgeting and performance review, as well as other essentials to effective, data-driven decision making. The course is taught through a combination of on-demand instructional videos and review tests for each lesson and can be completed in about ten hours.\nEasy-to-Understand Lectures by Business Expert\nCourse materials include video lectures, workbooks and self-study tools to help students master essential financial concepts.\n- Lectures feature Tomoya Shimada, a founder and partner of Itseki Group. Prior to founding Itseki, Shimada worked at Deloitte Tohmatsu, where he provided strategic finance and accounting services to Japanese companies ranging from large, publicly traded companies to venture-backed firms. He draws on his years of hands-on experience with financial reporting, due diligence and fraud investigations, M&A, IPOs and dealing with top management to give students a real-life view of financial statements in action.\n- The instructional videos can be viewed as many times as desired. In addition, each lesson will have a review test that will check and reinforce the student’s knowledge of the material.\n- The course is compatible with PC’s, smartphones, and tablets. The e-learning course can be taken anytime, anywhere, and is perfect for busy business leaders to study in their spare time.\nThe course, which can be accessed from the EdulinX website, is released in July, 2021.\nAbout Itseki Group\nItseki Group is a professional firm of certified public accountants and tax accountants who provide expert accounting and tax services to global companies across Japan.\nProspera Training Solutions is a core brand of EdulinX, Japan’s leading Edtech company.\nProspera Training Solutions provides end-to-end educational technology solutions that guide organizations toward optimal performance. Our personalized on-demand learning solutions use a combination of award-winning content from trusted global partners and in-house designed courseware. Prospera Training Solutions works with clients to deploy the best practices and tools to develop talent and teams for positive change and results.\nFor further information please contact:\nSolutions Strategy and Marketing Department", "domain": "economics"}
+{"url": "https://xbarkerpeter9.skyrock.com/tags/4EfFXEVXwud-Welcome.html", "date": "2018-09-18T17:03:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-39/segments/1537267155634.45/warc/CC-MAIN-20180918170042-20180918190042-00298.warc.gz", "language_score": 0.9695411324501038, "token_count": 624, "dump": "CC-MAIN-2018-39", "global_id": "webtext-fineweb__CC-MAIN-2018-39__0__165174818", "lang": "en", "text": "Thank you for visiting Corliss Resources, Inc's website. We hope that your visit to our site is informative and helpful. Whether you are looking at the products we offer, what products are best to use for your specific project, or how to order; we believe that we can help. If you are not finding what you're looking for, our in house sales representatives are available to assist over the phone. We also will be happy to have one of our knowledgeable and qualified sales staff members contact you.\nFour generations ago, John H. (\"Doc\") Corliss began hauling gravel out of the back of his buckboard wagon to service his neighbors—farmers, dairymen, and homeowners. Today John Corliss's company continues to take pride in helping both large and small clients by providing quality aggregates and concrete products to customers located in the Pierce and King County areas. Be it a newlywed couple planning the foundation of their dream home or a major contractor needing to direct the flow of gravel and concrete trucks to his multi-million dollar project, Corliss Resources provides the knowledge, means and manpower to get the job done on time and on budget.\nOur commitment to quality is illustrated through the pride we take in our hardworking employees, state of the art facilities, and immaculate equipment. We at CRI believe that our customers are more then just customers; they are our partners in business. Your success is our success. We take pride in going above and beyond what is expected by taking ownership in the success of your project. We are constantly striving to improve the quality of our products and the knowledge of our employee's. Corliss's employees are certified and trained in many aspects of this industry and have years of experience.\nThe Corliss family has been doing business in the Pierce County Communities for almost a century. We take pride in the communities in which we and our employees' families live. That is why we have been committed to donate our time and resources to development of schools and community organizations.\nThe Corliss Family's business began in the year 1919 when John (Doc) Corliss provided gravel from the Corliss family homestead to Henry Kaiser Paving for building State Highway No. 5 between Sumner and Buckley. Doc's son Tim with his wife Vera and their son Harry expanded into the concrete business in 1945. Since that time Harry has added gravel processing plants and concrete batch plants to Enumclaw, Puyallup, Federal Way and Kent which provides excellent service ability to South King County and Pierce County. In 2003, Harry's son Scott spearheaded the building of the state of the art facility and truck shop located at the original Sumner site which was featured in Concrete Products Magazine in August of 2004. Today Scott Corliss is the President of Corliss Resources, Inc. and he has the assistance of his two sons, Eric Corliss, V.P. of Administration and Finance and Steve Corliss, V.P. of Operations making it the fourth generation to own and operate the business.", "domain": "economics"}
+{"url": "https://horizon-international.ru/bookkeeping-2/depreciation-expense-journal-entry-example.html", "date": "2024-04-16T04:29:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817043.36/warc/CC-MAIN-20240416031446-20240416061446-00421.warc.gz", "language_score": 0.931788980960846, "token_count": 746, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__159719973", "lang": "en", "text": "The company can calculate the accumulated depreciation with the formula of depreciation expense plus the depreciated amount of fixed asset that the company have made so far. Depreciation expense will be calculated by the total cost of fixed assets less scrape value and divided by useful life. The original cost of the asset or its “basis” reflects all the costs to purchase the asset and put it to use for the business.A business will use one of two depreciation methods. The straight-line method calculates the depreciation at the same rate over time.\n(In some instances they can take it all in the first year, under Section 179 of the tax code.) The IRS also has requirements for the types of assets that qualify. Depreciation is an accounting practice used to spread the cost of a tangible or physical asset over its useful life. Depreciation represents how much of the asset’s value has been used up in any given time period. Companies depreciate assets for both tax and accounting purposes and have several different methods to choose from.\nTogether, we provide innovative solutions that help F&A teams achieve shorter close cycles and better controls, enabling them to drive better decision-making across the company. Outside of the accounting world, depreciation means the decline in value of an depreciation journal entry item after purchase. In accounting, depreciation is the process of allocating the cost of an item over its anticipated useful life. This helps to ensure that company revenues are matched with the costs of assets used by a company to generate that revenue.\nNow that you understand the journalizing of depreciation, we’ll next turn to look at the relationship between accumulated depreciation and depreciation expense. Some firms calculate depreciation from the middle of the month of purchase. For example, they treat an asset purchased on any day of the month as if it were purchased on the 15th day of the month. An asset purchase on September 1 would result in 3½ months of depreciation for that first year of service.\nBlackLine Journal Entry Automation & Management Software\nThe method currently used by the IRS is the Modified Accelerated Cost Recovery System (MACRS). Like double declining, sum-of-the-years is best used with assets that lose more of their value early in their useful life. The purpose of depreciation is to allocate the cost of a fixed or tangible asset over its useful life.\n- Accumulated depreciation is a contra account, meaning it is attached to another account and is used to offset the main account balance that records the total depreciation expense for a fixed asset over its life.\n- Accelerate adoption and drive productivity and performance.One of the critical success drivers for any software technology is effective user training and adoption.\n- Kenzie pays shipping costs of $1,500 and setup costs of $2,500, assumes a useful life of five years or 960,000 pages.\n- Calculate the accumulated depreciation and net book value of the equipment at the end of the third year.\n- On the other hand, the accumulated depreciation is an item on the balance sheet.\nOne unique feature of the double-declining-balance method is that in the first year, the estimated salvage value is not subtracted from the total asset cost before calculating the first year’s depreciation expense. However, depreciation expense is not permitted to take the book value below https://www.bookstime.com/ the estimated salvage value, as demonstrated in the following text. For example, on Jan 1, the company ABC buys a piece of equipment that costs $5,000 to use in the business operation. The company estimates that the equipment has a useful life of 5 years with zero salvage value.", "domain": "economics"}
+{"url": "http://www.ohiolawnmower.com/new-equipment/compact-tractors/3-family-32-45hp-/3025e-compact-utility-tractor/", "date": "2023-12-09T02:50:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100781.60/warc/CC-MAIN-20231209004202-20231209034202-00755.warc.gz", "language_score": 0.9116147756576538, "token_count": 171, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__190426279", "lang": "en", "text": "*Offer valid on new 3025E Compact Tractor purchases made between 11/1/2016 and 2/28/2017. Subject to approved installment credit with John Deere Financial. Up to a 20% down payment may be required. Example: based on a purchase of $13,500 with $2,700 down payment, monthly payment of $129 at 0% APR for 84 months. Taxes, freight, set up and delivery charges could increase the monthly payment. Price and model availability vary by dealer. Valid only at participating US dealers. **Beginning 1/1/2016 all Compact Utility Tractors purchased new from an authorized John Deere Dealer come standard with a 6 year/2000 hour (whichever comes first) Powertrain Warranty. See the Limited Warranty for New John Deere Turf & Utility Equipment at dealer for details.", "domain": "economics"}
+{"url": "https://www.umbrella-homes.co.uk/shared-ownership/", "date": "2022-08-19T20:31:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882573760.75/warc/CC-MAIN-20220819191655-20220819221655-00661.warc.gz", "language_score": 0.955245316028595, "token_count": 737, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__114143390", "lang": "en", "text": "Shared ownership is a government initiative to assist people to get on the housing ladder with smaller deposits. This is such an important scheme that we, at Umbrella Homes, believe it deserves greater focus - with a committed estate agency who fully understand it.\nSelling and buying a shared ownership property may be a little bit different, but here at Umbrella Homes we celebrate difference - and our friendly team are here to make home ownership as easy as possible.\nShared Ownership is an alternative way to buy a home with a lesser combined household income and smaller deposits.\nYou purchase a share in a property and pay rent to a Housing Association on the remaining share. When you can afford to increase your share, you can (a solicitor will arrange this for you) - until you are able to buy the property outright!\nIt couldn’t be easier.\nAbsolutely, it would be our pleasure!\nOur friendly and approachable team are here to guide and help you each step of the way, please call our offices and we would be happy to help in any way we can.\nTypically, first-time buyers or existing Shared Ownership homeowners - unless you can demonstrate that existing home is no longer suitable or sustainable.\nYou must have a combined household income of less than £80,000 per year (£90,000 in London) and priority is given to military personnel.\nFrom April 2021, you can purchase as low as 10% - up to a maximum of 75% initially (this is subject to your affordability).\nThis depends upon the value of the property.\nHowever, as a rough guide you can use this calculation:\nTake the remaining share you are not buying then multiply it by 2.75%, and then divide by 12 to get your estimated monthly rent.\nYes, this is called ‘Staircasing’.\nWhen you’re in a financial position to acquire additional shares, you arrange this directly with the Housing Association through a specialist solicitor. The more shares you buy, the less you pay in rent until you own outright, we can arrange this for you, just call us!\nHousing Associations are non-for-profit organisations that provide communities with affordable homes.\nThe money they make is re-invested thus funding further projects - helping more people achieve their dreams of owning their own home.\nTotally! This is the best part – it’s your home!!\nYes, you can.\nIf you wish to sell your property whilst still owning a share in your home, the Housing Association have the right to source a purchaser within 8 weeks. If they are unsuccessful you can market your property on the open market with an Estate Agent of your choosing.\nIf you have ‘staircased’ your share to 100%, then you can sell the property at a value advised by your Estate Agent like any other property.\nOften yes - if you can demonstrate that your current home is no longer affordable or sustainable.\nYour property must be advertised on the open market.\nIt is typical that service charges are applied to leasehold properties in general (including Shared Ownership properties) - particularly flats and apartments.\nService charges are applied to cover things such as communal garden maintenance, window cleaning and upkeep of communal areas etc…\nThis is often dependent on the type of property you buy – when buying a Shared Ownership house, then it is usually fine to have pets. Apartment blocks do not always allow pets.\nIt is reliant on the type of lease you have with the Housing Association, so make sure you ask this question before you buy.", "domain": "economics"}
+{"url": "https://www.rakemark.com/blog/interesting-trends-in-website-design-and-web-strategy/", "date": "2021-06-21T03:02:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623488262046.80/warc/CC-MAIN-20210621025359-20210621055359-00580.warc.gz", "language_score": 0.9726870059967041, "token_count": 296, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__36414821", "lang": "en", "text": "Despite economic recession most small business customers do not expect a decline in revenue over the next year and expect to make additional investments in website design, search engine optimization and email marketing to expand their business, according to a survey released by Register.com\nThe findings highlights are\n- 55% of respondents have registered more than one domain name for their business\n- 41% saw more than a quarter of their total revenue from web sales\n- 20% don’t know how much revenue they are getting through their site\n- 70% of the respondents don’t expect their web revenue to decline despite economic conditions\n- Top areas for technology investment are website design (53%), SEO (43%), and email marketing (41%).\nRegister.com CEO Larry Kutscher said \"Having a website has become more than a luxury for small businesses and entrepreneurs, it is a necessity.\" Kutscher continued \"Our small business customers know that investing in a great website is a more effective way to reach potential customers and stay in contact with existing clients. The response to our survey shows the result of this investment, as a majority of customers expect no decline – and many expect growth – in their web revenues over the next year.\"\nRegister.com received replies from more than 800 of its small business customers, 72% of which responded that they are an owner or partner of a small business. The survey was conducted over a three week period, April 28 – May 16, 2008.", "domain": "economics"}
+{"url": "http://alexandracourthusband55208.look4blog.com/9892510/the-first-step-you-have-to-take-to-get-rich-in-the-stock-market", "date": "2019-01-17T07:50:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583658844.27/warc/CC-MAIN-20190117062012-20190117084012-00281.warc.gz", "language_score": 0.9694210290908813, "token_count": 656, "dump": "CC-MAIN-2019-04", "global_id": "webtext-fineweb__CC-MAIN-2019-04__0__101554976", "lang": "en", "text": "I am extensively recognized as a leading professional in the stock market and especially at mentor you how to become your neighbor's millionaire next door. I didn't start as competent and experienced as I am now. I began knowing almost absolutely nothing. When a full service stock broker stole $85,000 from my eighty year old grandmother, I was so inexperienced in my early twenties that I could only stand by. I viewed the across the country stock brokerage safeguard the interests of the complete service broker and my grandma lost whatever.\nThe pain of this was so intense that it drove me to complete my Ph.D. in finance-- less than a hundred of us graduate in this degree worldwide each year due to the fact that it is so mathematically challenging. My aggravation and anger at the big abundant forces behind Wall Street drove me to become a modern master of loan. This is what you have to do-- wake up!!! Get up to the truth that you can make it as a stock financier. Get up to the fact that you manage your destiny which you can stop handing all of the control over to the Wall Street device that could definitely care less about your monetary future. This is the initial step-- take complete obligation for you earnings, savings and financial investment.\nI learned years back from a pal of mine, Dr. Van Tharp, Ph.D., that if I didn't take complete duty for my investing that I would never ever progress-- I would just break the vulnerable feedback loop that enables everyone to gain from our errors. At any time you blame anyone for a financial error you destroy the chance to learn and prosper from the scenario. The easy choice you must make is to deeply, completely, strongly, and finally, state to your self, \"I am the master of my universe-- I remain in control-- Wall Street has no power over my mind\" is the key important change you should make in your thinking.\nSome people have a peek at this website will believe that you are arrogant however just blow them off and laugh all the way to the bank. Stop listening to people-- are these meddlesome little bug a bugs in your life that so quickly nay state your financial investment dreams paying your bills or offering you loan to move ahead-- no so blow them off! They just wish to provide you bad guidance so that you fall into their exact same financial loser traps. In terms of investing become an island unto yourself and very thoroughly cultivate relationships with individuals who really do know what they are performing in investing. This is exactly what I did. I started seeking out individuals who truly understand the markets. I discovered them over time and I asked them lots of concerns.\nI am extensively recognized as a leading expert in the stock market and specifically at teaching you how to become your next-door neighbor's millionaire next door. I was so inexperienced in my early twenties that I could only stand by when a complete service stock broker stole $85,000 from my More hints eighty year old granny. I saw the nationwide Homepage stock brokerage protect the interests of the complete service broker and my grandmother lost everything.\nThis is what you have to do-- wake up!!! Wake up to the fact that you can make it as a stock financier.", "domain": "economics"}
+{"url": "https://www.mxfencing.co.uk/fees", "date": "2022-06-30T03:38:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103661137.41/warc/CC-MAIN-20220630031950-20220630061950-00374.warc.gz", "language_score": 0.9510564804077148, "token_count": 334, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__187178404", "lang": "en", "text": "Club Fees and Lessons\nClub fees are payable on a termly basis (i.e. three times per year). There are three rates based on how regularly you train:\nOne night per week - £100 per term\nTwo nights per week - £170 per term\nThree nights per week - £210 per term\nThese fees do not include lessons or competition coaching, which are paid for separately.\nFor 2021/22, fees are due as follows:\nTerm 1 - by 24 September 2021\nTerm 2 - by 24 January 2022\nTerm 3 - by 2 May 2022\nThe easiest way to pay is by bank transfer or standing order. Payment details can be found in the Club Fees document linked below.\nGuest fees are £12.00 per session. Students with a valid NUS card can pay £20.00 for four sessions. Lessons (when available) for non members are £0.50-£0.75 per minute.\nFees are renewed annually at the AGM.\nCoaching at competitions costs £10 per competition per fencer. This is to cover the coach's expenses.\nBritish Fencing Membership\nAs well as club fees, all club members need to join British Fencing. There are a number of different membership levels, from a 3 month 'introduction' membership all the way through to a full competitive licence. Details can be found on the British Fencing website linked below.\nPlease note, if you intend to enter any fencing competitions (including Leon Paul Junior Series or the British Youth Championships) you will need a competition level membership.", "domain": "economics"}
+{"url": "https://www.ncrgea.com/6809-2/", "date": "2018-07-19T17:34:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676591150.71/warc/CC-MAIN-20180719164439-20180719184439-00208.warc.gz", "language_score": 0.948461651802063, "token_count": 591, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__184962702", "lang": "en", "text": "Click to read July 20, 2017 press release from State Treasurer Dale Folwell on Fiscal Year Pension Returns\nFOR IMMEDIATE RELEASE\nContact: Frank Lester (919) 814-3811\nJuly 20, 2017\nTreasurer Folwell Reports 10.6 Percent Increase for Fiscal Year Pension Returns\nFund Balance Hits All-Time High during 2nd Quarter\nRALEIGH, N.C. — State Treasurer Dale R. Folwell, CPA, today reported preliminary state pension fund (the Fund) returns for the second quarter of 2017 ending June 30, 2017. The Fund, comprised of the retirement plans the Department of State Treasurer manages, reported gains of 2.7 percent for the quarter. Pension fund assets were valued at $93.9 billion, up from $92.2 billion at the end of the first quarter of 2017. These figures and all of the following performance figures are reported net of all fees and expenses.\nFor the fiscal year ending June 30, 2017, the preliminary report indicates the Fund earned 10.6 percent. Public equity (stocks), which makes up almost 40 percent of the total fund, gained 19.0 percent. Private equity rose 9.5 percent while Non-Core Real Estate and Opportunistic Fixed Income returned 10.8 percent and 10.9 percent respectively.\nThe Multi-strategy portfolio rose 12.9 percent for the twelve month period. Inflation-sensitive and Diversifier investments also increased by 11.2 percent and 8.2 percent respectively. Finally, Investment-Grade Fixed Income returned a loss 0.3 percent for the same period.\n“The state pension fund achieved its highest valuation ever during the second quarter of the year,” said Treasurer Folwell. “In this low interest rate environment, we are pleased our funds did so well, while at the same time, the pension fund as a whole had less exposure to risk. I want to thank those responsible for this great performance but I am cautious about returns going forward.”\nSince beginning his first term in January, Treasurer Folwell has aggressively set out to reduce fees paid to Wall Street. During the last fiscal year-end report, those fees exceeded $600 million dollars while investment returns were only 0.8 percent. To date, more than $60 million in fees have been cut for a run rate during his first term of at least $240 million. In addition, Treasurer Folwell has renegotiated contracts across the divisions of the Department of State Treasurer that have saved taxpayers tens of millions of dollars.\nThe North Carolina Retirement Systems, the formal name for the pension fund, is the tenth largest public pension fund in the country. It provides retirement benefits and savings for more than 900,000 North Carolinians, including teachers, state employees, firefighters, police officers and other public workers. For more information, visit www.nctreasurer.com.", "domain": "economics"}
+{"url": "http://www.resellerhosts.in/about/", "date": "2017-11-20T07:30:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-47/segments/1510934805923.26/warc/CC-MAIN-20171120071401-20171120091401-00687.warc.gz", "language_score": 0.9496356844902039, "token_count": 469, "dump": "CC-MAIN-2017-47", "global_id": "webtext-fineweb__CC-MAIN-2017-47__0__40805152", "lang": "en", "text": "Reseller hosting is an option that involves one company (a hosting provider) renting hard drive space and bandwidth to another company (small-mid size business), who then rents the space to third parties (entrepreneurs small business). Simply put, reseller hosting is the ability to provide hosting to your own clients as if you yourself were the web hosting company. This is typical for aspiring entrepreneurs who want to start their own web hosting firm or for current web developers and designers who desire to add additional services to their brand.\nReseller hosting is a form of web hosting wherein the account owner has the ability to use his or her allotted hard drive space and bandwidth to host websites on behalf of third parties. The reseller purchases the host’s services wholesale and then sell them to customers, possibly for a profit. A certain portion of hard drive space and bandwidth is allocated to the reseller account. The reseller may rent a dedicated server from a hosting company or resell shared hosting services. In the latter case, the reseller is simply given the permission to sell a certain amount of disk space and bandwidth to their own customers without renting a server from a web hosting company they signed for a reseller account with.\nHow does Resellerhosts.in work?\nHere are the (perhaps over-simplified) steps to establishing a reseller business:\n1) Research and select a hosting company.\n2) Purchase the reseller package that meets the goals of your business.\n3) Know and understand your target market to locate your new customers.\n4) Create your own branded hosting packages.\n5) Decide your price.\n6) Sell hosting packages to your clients.\n7) Earn profit.\nWhat are the benefits of joining with us?\nTaking advantage of reseller hosting offers incredible benefits to your new or existing brand. As a reseller you’ll:\n- Get to act as a hosting company – make money hosting and creating websites\n- Easily make profits\n- Design your own hosting plans and packages that are tailored to your own business and clients\n- Host and bill your customers using your unique brand\n- Make independent cPanel control panels for each of your clients\n- Save money with its low initial start-up costs with the opportunity to upgrade later", "domain": "economics"}
+{"url": "http://fr.xpjvip.app/kouyi/202010/618903.shtml", "date": "2020-10-29T13:50:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107904287.88/warc/CC-MAIN-20201029124628-20201029154628-00373.warc.gz", "language_score": 0.8399031758308411, "token_count": 2520, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__56255519", "lang": "en", "text": "Report on the Implementation of the 2019 Plan for National Economic and Social Development and on the 2020 Draft Plan for National Economic and Social Development\nDelivered at the Third Session of the Thirteenth National People’s Congress on May 22, 2020\nNational Development and Reform Commission\nThe National Development and Reform Commission has been entrusted by the State Council to deliver this report on the implementation of the 2019 plan and on the 2020 draft plan for national economic and social development to the Third Session of the 13th National People’s Congress (NPC) for your deliberation. The Commission also invites comments from members of the National Committee of the Chinese People’s Political Consultative Conference (CPPCC).\nI. Implementation of the 2019 Plan for National Economic and Social Development\nIn 2019, under the strong leadership of the Central Committee of the Communist Party of China (CPC) with Comrade Xi Jinping at its core, as well as the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, all regions and departments fully implemented the guiding principles of the 19th CPC National Congress and the second, third, and fourth plenary sessions of the 19th CPC Central Committee. We raised our consciousness of the need to maintain political integrity, think in big-picture terms, follow the leadership core, and keep in alignment; increased our confidence in the path, theory, system, and culture of socialism with Chinese characteristics; and resolutely upheld General Secretary Xi Jinping’s core position on the Party Central Committee and in the Party as a whole, and resolutely upheld the Party Central Committee’s authority and its centralized, unified leadership. We faithfully executed the decisions and plans of the Party Central Committee and the State Council, implemented the Report on the Work of the Government and the 2019 Plan for National Economic and Social Development approved at the Second Session of the 13th NPC, and adopted the NPC Financial and Economic Affairs Committee’s suggestions based on its review of the 2019 plan. We followed the general principle of pursuing progress while ensuring stability, continued to apply the new development philosophy, advanced supply-side structural reform as our main task, pursued high-quality development, and took solid steps to ensure stability on six fronts.* We coordinated efforts to maintain stable growth, promote reform, make structural adjustments, improve people’s lives, guard against risks, and maintain stability. (*The six fronts refer to employment, the financial sector, foreign trade, foreign investment, investment, and expectations.) The main targets and tasks in economic and social development for the year were accomplished, and progress in achieving the main targets listed in the 13th Five-Year Plan (2016-2020) met our expectations. All of these successes laid a crucial foundation for completing the building of a moderately prosperous society in all respects.\n1. We conducted well-conceived macro regulation and kept major economic indicators within an appropriate range. We strengthened range-based, targeted, well-timed, and precision regulation, stepped up coordination between policies, and improved the management of expectations, thus promoting stable and healthy economic growth.\n1) Major macroeconomic targets were achieved. China’s gross domestic product (GDP) reached 99.1 trillion yuan, an increase of 6.1%, which was consistent with the projected target. A total of 13.52 million urban jobs were created, and the year-end survey-based and registered urban unemployment rates were 5.2% and 3.62% respectively. The consumer price index (CPI) rose by 2.9%. A basic equilibrium was maintained with regard to the balance of payments, and foreign exchange reserves were kept at over US$ 3 trillion.\n2) Counter-cyclical macro policy regulation proved to be effective. With the focus on cutting taxes and fees, we implemented a proactive fiscal policy with greater intensity and better performance, continued to improve the structure of government spending, and ensured sufficient funding for major areas such as the improvement of living standards. Revenue in the national general public budget was 19.04 trillion yuan, an increase of 3.8%; expenditures totaled 23.89 trillion yuan, an increase of 8.1%; and the fiscal deficit was 2.76 trillion yuan, the same as the budgeted figure. Tax and fee reductions totaled 2.36 trillion yuan over the year. We appropriately expanded the range of uses for special local government bonds and quickened the pace of bond issuance. We maintained a prudent monetary policy with an appropriate level of intensity. Counter-cyclical regulation continued to have an effect, and the credit structure continued to improve, while the credit supply to the real economy, particularly to micro and small businesses and private enterprises, was increased further. At the end of 2019, growth in the M2 money supply was 8.7%, and aggregate financing grew by 10.7%. We made greater efforts to implement the policy of prioritizing employment, as well as the policy of refunding unemployment insurance premiums, and increased support for enterprises in keeping employment stable. A stable employment situation was generally maintained with regard to key groups such as college graduates, rural migrant workers, and demobilized military personnel.\n2. We moved forward with supply-side structural reform and promoted the formation of a strong domestic market. We adhered to our principles of consolidating the gains made in the five priority tasks, strengthening the dynamism of micro entities, upgrading industrial chains, and ensuring unimpeded flows in the economy. We consistently advanced industrial restructuring, and worked hard to keep circulation dynamic in order to ensure that market supply meets demand.\n1) Supply-side structural reform in agriculture was advanced. We made sustained efforts to ensure sufficient grain production, maintaining total grain output at over 650 million metric tons for the fifth year in a row. We adopted a strategy for securing the supply of major agricultural products and implemented a scheme to revitalize the production of soybeans. Functional zones for grain production and protective areas for the production of major agricultural products were established. Farmland irrigation and water conservancy continued to improve, with the total area of high-quality cropland increasing by 5.33 million hectares and the total area of farmland covered by efficient water-saving irrigation increasing by 1.33 million hectares. We continued our efforts to prevent and control African swine fever and accelerate the recovery of hog production, and improved the system for the production, supply, storage, and sale of vegetables. We refined the policy for setting minimum prices for state grain purchases and the policy for guaranteeing base prices for cotton. We advanced reform of the system for the state purchase and storage of major agricultural products and the reserve system for important agricultural supplies. Cold-chain logistics and storage facilities for agricultural products witnessed rapid development. We continuously promoted industrial integration in rural areas, resulting in the establishment of 107 modern agriculture industrial parks and 210 demonstration parks for integrated industrial development in rural areas. We also accelerated the formulation and improvement of a new policy framework to support and protect agriculture.\n2) Transformation and upgrading of manufacturing picked up pace. We rolled out policies and measures to promote high-quality development of the manufacturing sector and released the Catalog of Industrial Structural Adjustments (2019). We continued to employ market- and law-based methods to cut outmoded coal production capacity by around 100 million metric tons, prudently moved forward with the merging and reorganization of steel enterprises, and implemented major petrochemical projects. We organized a new series of technological transformation projects, and promoted the demonstration and application of newly-developed equipment that was made in China such as Chinese standard type-A subway cars.\n3) Solid steps were taken to promote high-quality development of the service sector. We introduced policies and measures on high-quality development of the service sector and transformation and upgrading of traditional service industries, stepped up the development of new forms and new models of business, and promoted the integrated development of advanced manufacturing and modern services. We supported the development of platforms for generic technology R&D, industrial design, and the industrial internet.\n4) More support was provided to help reduce costs in the real economy. The rate of value added tax (VAT) was lowered from 16% to 13% in manufacturing and several other industries, and from 10% to 9% in industries such as transportation and construction. We implemented general-benefit tax cuts for micro and small businesses, raising the VAT threshold from 30,000 yuan to 100,000 yuan in monthly sales for small-scale taxpayers. We enabled all provincial-level regions to reduce the ratio of enterprise contributions to workers’ basic old-age insurance to 16%, and extended for another year the policy of temporary reduction of premiums for unemployment insurance and workers’ compensation. We deepened reforms to liberalize interest rates, with overall financing costs being notably reduced throughout society. We settled overdue payments of 664.7 billion yuan owed by government departments and state-owned enterprises (SOEs) to private enterprises and small and medium-sized enterprises (SMEs). We further cut the number of items in the catalog of government-set business service fees, and cancelled or lowered some administrative charges. The price of electricity for general industrial and commercial businesses was cut by another 10% on average, thus reducing electricity costs for businesses by 84.6 billion yuan for the year. We helped businesses save 79 billion yuan by enabling them to buy electricity directly from power generation companies. We lowered the prices for refined oil products, natural gas city gate prices, and prices for natural gas transmission through trans-provincial pipelines, lightening the burden on consumers by approximately 65 billion yuan. Through rescinding or cutting railway charges, port charges, and civil airport charges, we helped reduce the burden on businesses by more than 10 billion yuan.\n5) New growth areas in consumption that benefit the people continued to expand. We introduced several policies and measures to speed up commodity distribution and facilitate consumption, to improve the quality and expand the size of the domestic services sector, to unlock consumption potential in the areas of culture and tourism, to encourage fitness and sports consumption, and to promote the development of “internet-plus social services.” We stepped up support for nighttime consumption, and encouraged the purchase of new automobiles, home appliances, and electronic products to replace old ones. Comprehensive demonstrations for introducing e-commerce into rural areas were carried out. Express delivery depots in rural areas exceeded 30,000, thus covering 96.6% of all townships and towns. Total annual retail sales of consumer goods exceeded 40 trillion yuan, an increase of 8.0%. Total online retail sales nationwide reached 10.6 trillion yuan, an increase of 16.5%, with sales of goods increasing by 19.5% and accounting for 20.7% of the total retail sales of consumer goods. We successfully organized a series of activities for the 2019 Chinese Brands Day.\n6) We appropriately expanded effective investment in key areas. We published the Regulations on Government Investment, and lowered, as appropriate, capital contribution requirements for projects in priority areas. We improved the reserve mechanisms for major projects, and actively promoted the construction of projects funded by special bonds. We carried out public-private partnership (PPP) projects in a well-regulated and orderly way, and encouraged the participation of non-governmental capital in key areas to shore up points of weakness. Out of 172 major water conservancy projects, construction has already begun on 144 projects. The Plan for Developing China’s Strengths in Transportation was published. The construction of 23 national logistics hubs was steadily advanced. The preliminary work for the Chengdu-Lhasa railway progressed steadily. Beijing Daxing International Airport began operation. The construction of large hydropower stations such as Wudongde and Baihetan was accelerated. By the end of 2019, the total length of in-service railways exceeded 139,000 kilometers, including 35,000 kilometers of high-speed rail lines, the number of civil airports in service totaled 235, the total length of power grids of 220 KV and above increased by 34,000 kilometers, and trunk oil and gas pipelines increased by 4,000 kilometers. The fixed-asset investment for the year (excluding investment by rural households) rose by 5.4%, with investment from non-governmental sources growing by 4.7%, while the composition of investment witnessed a continuous improvement, with investment in high-tech industry and the social domain up 17.3% and 13.2% respectively.", "domain": "economics"}
+{"url": "http://doku.com/tailored-solutions/doku-suite", "date": "2013-12-08T01:05:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386163056995/warc/CC-MAIN-20131204131736-00086-ip-10-33-133-15.ec2.internal.warc.gz", "language_score": 0.9339061379432678, "token_count": 239, "dump": "CC-MAIN-2013-48", "global_id": "webtext-fineweb__CC-MAIN-2013-48__0__68327556", "lang": "en", "text": "Studies show that online merchants can enjoy up to 12% in sales conversion, by offering 3 or more payment types other than cards to their customers can enjoy an increase of up to 12% in sales conversions. But integrating multiple payment types means spending a lot of time and money.\nThis is where DOKU makes it simple for your business.\nBy adopting DOKU Suite, you'll be able to offer credit and debit card payments, as well as popular non-card options like KLIK BCA, PayPal, and other Internet Banking Payments.\nNot only that, when you get a merchant account through DOKU, you'll also get a best-in-class price.\nSecure and compliant - all payments processed through the DOKU Suite are PCI DSS Level 1 compliant.\nOne integration, many options - integrate once and you can offer any or all of our wide range of international payment options to your customers at any time.\nHighly customizable - reinforce trust and maximize your sales by putting your brand on your payment page and customizing the payment workflow\nFor more information on how to accept these sales & promo tools, contact email@example.com.", "domain": "economics"}
+{"url": "http://www.bgiengitech.in/infrastructure.html", "date": "2017-08-18T20:01:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-34/segments/1502886105108.31/warc/CC-MAIN-20170818194744-20170818214744-00653.warc.gz", "language_score": 0.9411104321479797, "token_count": 117, "dump": "CC-MAIN-2017-34", "global_id": "webtext-fineweb__CC-MAIN-2017-34__0__93816674", "lang": "en", "text": "Our Infrastructure We have developed a sprawling infrastructure in Ahmedabad, Gujarat, which sprawls over an area of 1,900 square feet. Our infrastructure is segregated into various departments such as manufacturing, production, quality control, research & development, warehousing, packaging & administrative and sales & marketing. This is done to facilitate easy operation and ensure organized handling of business operations. Besides, our infrastructure is incorporated with all the modern machinery, tools and equipment. To maintain the efficient rate of production and to keep in pace with the upcoming advancements, we frequently upgrade the machinery, tools and equipment.", "domain": "economics"}
+{"url": "https://shantimissionamerica.org/online-giving/", "date": "2023-11-29T22:37:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100146.5/warc/CC-MAIN-20231129204528-20231129234528-00415.warc.gz", "language_score": 0.941224217414856, "token_count": 136, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__305586748", "lang": "en", "text": "We welcome general contributions and donations from those who would like to support the work of Shanti Mission America and our many programs.\nIf you’re too busy with work or other commitments to volunteer, a financial contribution can have great benefit in helping to develop your own karmic grace.\nShanti Mission America is a registered 501(c)(3) nonprofit organization. Your contribution is tax-deductible to the extent allowed by law. No goods or services were provided in exchange for your generous financial donation.\nYou can contribute via Paypal – see below for details.\nPayments are processed in US dollars. Refer to T&Cs for further details.", "domain": "economics"}
+{"url": "https://blackburnconsulting.com/portfolio/longleaf-drive-bridge/", "date": "2023-06-08T08:03:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224654606.93/warc/CC-MAIN-20230608071820-20230608101820-00255.warc.gz", "language_score": 0.8649001717567444, "token_count": 195, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__43744496", "lang": "en", "text": "City of Elk Grove\nSacramento County, CA\n2010 – 2013\nIn 2012, the City of Elk Grove opened an extended Longleaf Drive and new 160-foot long, 58-foot wide, four-span, cast-in-place, reinforced concrete slab bridge over Elk Grove Creek. Though small, this important project supported economic growth through improved access to local businesses.\nBlackburn provided geotechnical recommendations for the project. We evaluated the feasibility of spread footing, driven pile, and cast-in-drilled-hole (CIDH) pile foundation alternatives for bridge support. Due to scour issues and potential difficult pile driving conditions, we provided recommendations for CIDH piles to support the bridge. Blackburn also provided geotechnical support and quality assurance materials testing during construction. We provided services on time and within budget.", "domain": "economics"}
+{"url": "https://riverfront.org/herewegrow/", "date": "2024-04-17T08:04:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817146.37/warc/CC-MAIN-20240417075330-20240417105330-00238.warc.gz", "language_score": 0.8968902826309204, "token_count": 661, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__153960470", "lang": "en", "text": "Riverfront Recapture to Transform 60-Acres of Riverfront Land into Community Park, Expand Access, and Create Regional Connections\nRiverfront Recapture has purchased 60 acres of riverfront land on the Hartford-Windsor town line to build a new community park. This acquisition will allow Riverfront Recapture to complete a regional trail connection between the Hartford and Windsor Riverwalks and connect even more people with the Connecticut River.\n“As we celebrate our organization’s 40th anniversary, we’re thrilled to continue the work of recapturing the riverfront. This land purchase gives us a rare opportunity to conserve one of the last riverfront parcels in the region and significantly expand public access to the Connecticut River. The redevelopment plan represents a transformational investment in the multimodal transportation system along the Connecticut River, will drive economic development, and improve the environment and community health in the underserved neighborhoods surrounding the park. We are very grateful to our project investors for making it possible,” said Michael Zaleski, President and CEO of Riverfront Recapture.\nThe purchase of this property was funded by private investors, including a leadership gift from the Richard P. Garmany Fund at the Hartford Foundation for Public Giving, The William and Alice Mortensen Foundation, and The Mowell Family Fund at the Hartford Foundation for Public Giving, with generous legal support from Robinson + Cole.\nThe State of Connecticut Bond Commission provided funding for redeveloping public areas of the park and constructing the trail connection via the Capital Region Development Authority (CRDA) and the Connecticut Department of Energy and Environmental Protection (DEEP). Additional funding for trail development comes from a Community Connectivity Grant, awarded to the town of Windsor in partnership with Riverfront Recapture by the Connecticut Department of Transportation (DOT).\nPlans for the property include the creation of Garmany Cove, a nine-acre cove which will be the site of Riverfront Recapture’s envisioned paddle sport and outdoors center, featuring rowing, kayaking, canoeing, dragon boating, and stand-up paddle boarding. Additional concepts include new trails, space for a 10-acre commercial development, and infrastructure such as a fishing pier, docks, and maintenance facilities. A poor-quality wetland will be replaced by an ecologically developed floodplain wetland. Hundreds of new trees will be planted to provide habitat corridors across the meadows. The park will support recreation, youth programs, community events, and festivals. The new trail will complete a seven-mile multi-use public transportation system extending from South Windsor to Hartford with connections to East Hartford and Glastonbury. The future park, trail, and commercial development are directly adjacent to federal opportunity zones in Hartford and Windsor. The project will improve access to greenspace and the Connecticut River and positively impact the environment and community health.\nProject Resources & Media:\n- Project Concept Plan\n- Hartford Business Journal: Riverfront Recapture buys 60-acre Hartford-Windsor parcel, plans community park\n- Hartford Courant: Riverfront Recapture announces 60-acre expansion that will connect trails, add cove for paddle sports\n- Journal Inquirer: Land added for park on Hartford-Windsor line", "domain": "economics"}
+{"url": "https://es.hyperledger.org/category/hyperledger-fabric", "date": "2023-03-26T08:23:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296945440.67/warc/CC-MAIN-20230326075911-20230326105911-00090.warc.gz", "language_score": 0.9168081283569336, "token_count": 9503, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__156647671", "lang": "en", "text": "Water is the most precious resource on Earth. But with more and more storms, floods, and droughts, it’s not always where we need it. The UN says 4 billion people—half the world’s population—face severe water shortages at least one month a year.\nBotanical Water Technologies(BWT) from Australia found a way to recover the water usually wasted making alcohol, juice, ketchup, and sugar. BWT estimates 3 trillion liters of water are wasted this way every year. If that water were recovered, it could be reused, commercially sold or gifted to people who need it most.\nThe company had a working process for capturing, purifying and creating the world’s most sustainable drinking water with technology housed in shipping containers and connected up to existing systems that process fruit, vegetables, or sugar cane. The next challenge was creating a marketplace for buyers and sellers of plant-sourced water that would support three different transactions:\nSales of actual water for food, beverage and other manufacturers\nSales of “water impact credits” (WICs) to help fulfill corporate water stewardship goals\nBulk donations of water to the world’s most vulnerable people\nBWT asked Fujitsu to develop a world-first: Botanical Water Exchange (BWX) that securely tracks every drop of water from producer to end consumer. That exchange is powered by the leading open-source framework for enterprise blockchains, Hyperledger Fabric.\nThe BWX exchange went live in the second quarter of 2022. The platform is now testing all functions and features with a selection of key partners in the U.S., Australia, and India. A standard water harvesting unit (WHU) can harvest ~460,000 liters or ~122,000 gallons per day. The BWX doesn’t only allow producers and buyers to trade. It also covers production planning, logistics planning, and value chain management. In addition, it interfaces with the WHU’s software for audit and certification purposes, tracing over 170 touchpoints and sensors per WHU.\nThe Hyperledger Foundation team worked with Fujitsu and BWT on a case study covering the business plan, technical requirements and implementation details. The case study also highlights plans to build out the network and expand the ecosystem, including creating a real-time wall display that quantifies the amount of water harvested and delivered, along with the positive impact made to people and the environment. The goal is to deliver water to 100 million of the world’s most vulnerable people by 2025.\nThe compelling network economics of centralized platforms prove an existential threat to traditional businesses. Companies that control the most powerful platforms are rewarded with exponential growth, insurmountable competitive advantage, high multiples, and access to cheap capital. Needing centralized platforms to validate counterparty identities and automate transactions, non-platform companies are often forced into business arrangements that see their business models commodified and their value chains held hostage.\nCorporate support for open source collaborative efforts are, in part, a response to the centralizing tendencies of Web2. Open source blockchain technologies such as those hosted by Hyperledger Foundation promise to leverage the existing trust within corporate transaction networks by automating traceability, settlement, and audit processes. Public and private Distributed Ledger Technologies, together with World Wide Web Consortium (W3C) open standards — Decentralized Identifiers (DIDs) and Verifiable Credentials (VCs) — enable the creation of decentralized Zero Trust Networks. These networks allow companies to avoid centralized platforms when digitizing extended value chains and automating multiparty transactions while lowering the cost of trust.\nZero trust is a security model that assumes all network traffic is untrusted until proven otherwise. Organizations do not automatically trust traffic, even if it originates from a seemingly trusted source. Instead, all traffic is validated before being allowed to pass. By implementing strict access controls and continuous authentication of all entities entering the network for all transactions, zero trust:\nImproves security by reducing the attack surface and minimizes the potential for data breaches\nStrengthens compliance by helping organizations meet regulatory requirements and industry standards for data protection\nProvides greater visibility into network traffic and activities, allowing organizations to identify and prevent potential threats\nTo develop and implement zero trust Web3 technologies for multiparty business processes, 35 companies joined together in early 2018 to launch MOBI, the Mobility Open Blockchain Initiative, a global nonprofit smart mobility alliance of forward-thinking vehicle manufacturers (OEMs), NGOs, government agencies, financial institutions, smart city leaders, and technology companies.\nSince its launch, MOBI has continued to grow its membership and to date has created and released 17 blockchain-based standards to enable a zero trust environment for multiparty applications. These standards include:\nMOBI VID (2019) was the first W3C DID-compliant vehicle identity based on the internationally accepted vehicle identification number (VIN) standard\nMOBI Trusted Trip (2021) applied W3C VCs and DIDs guidelines to link trusted identity and location into a verifiable trip\nCitopia is a federated Web3 marketplace leveraging VCs (or transactions) and Zero-Knowledge (ZK) cryptography to enable any entity to verify that another entity was present at a location, completed a trip, and performed relevant activities. Citopia VCs are machine-readable, privacy-preserving verifications for business automation in a zero trust ecosystem. These transaction verifications can be performed by any ecosystem stakeholders and do not rely on centralized certificate authorities.\nThe ITN is the first cross-industry permissioned network where participants agree to common identity standards and shared governance. As the first Zero Trust Certificate Authority for IoT, eCommerce, and business automation, the ITN acts as a global trust anchor for digital business. It is protocol, cloud, and technology agnostic. It’s currently built on Hyperledger Fabric with a Arbitrum One (EVM compatible optimistic layer 2 rollup on Ethereum) to anchor DIDs onto Ethereum as well. Plans call for this to be a multichain network.\nUsing the ITN, organizations can create secure digital services that are locally highly performant while also decentralized. The ITN is backed by three global industry consortia (MOBI, MEF, AAIS).\nTogether, Citopia and the ITN form the foundation for a community-owned and -operated Web3 infrastructure for connected ecosystems and IoT commerce. MOBI and its members are currently focusing on a selection of foundational use cases, including:\nPlatform agnostic global battery passports\nUsing in-vehicle telematics to provide real time accident data for reports and collision repair, using Web3 technology for data privacy\nMultiparty supply chain track-and-trace\nZero-knowledge proof of vehicle location\nMultimodal trip planning, booking, and payment\nMaintenance and recall traceability\nFigure 2: Working together to enable zero trust business automation, Citopia and the ITN offer end users and providers security, privacy, speed, and control.\nAlthough Citopia and the ITN have some similarities to other industry networks, there are important differences that will enhance the speed, privacy, security, and regulatory compliance of connected ecosystems.\nFirst, any organization can use Citopia and the ITN services. However, membership is required to run nodes on Citopia and/or the ITN.\nSecond, whereas most Web3 solutions combine DIDs registry (the ITN) and transactions processing (Citopia) on the same infrastructure/company, we choose to separate them into two distinct organizations, each with its own legal structure, governance, network, and operators. This increases decentralization by reducing the market power and information advantage of any single organization. Neither Citopia nor the ITN gets such dominant network effects that users can’t switch/leave, hence neither can abuse its position, rent seek, or meaningfully change the economics of the ecosystem.\nThird, the separation permits Citopia to use any DIDs registry network following W3C DIDs standard, meaning that Citopia users aren’t locked to the ITN (and vice versa) and can use other networks.\nFourth, both Citopia and the ITN are vendor, technology, and protocol-agnostic, allowing applications interoperability and scaling of complex, cross industry, multiparty value chains.\nFinally, through using Citopia and the ITN, DIDs are the only things registered and stored on chains. All personal and competitive information resides in the Self-Sovereign Digital Twin (SSDT) stored locally on the owner’s device or provider’s server and remains under the control of the owner, making the scraping and collection of data impractical, eliminating honeypots, reducing attack vectors, and improving security for all users.\nThrough Citopia and the ITN, companies have the opportunity to combine the best of both worlds — building and leveraging applications that meet enterprise security, privacy, and compliance requirements while avoiding vendor or technology lock-in. Companies can retain their brand, their business models, and their customers without paying significant economic rent to a centralized certificate authority, platform, or data monopolist. They can reap the full benefits of value chain automation and digital efficiency in a shared zero trust ecosystem where the network effects accrue to the community. More information on MOBI’s standards, Web3 infrastructure, and multiparty pilots can be found on our website.\nFor more on displacing centralized platforms with zero trust networks, join Mobi’s Tram Vo and leaders from across the insurance market for a discussion about proving the efficacy and value of enterprise-level blockchain. It will cover the technical and business challenges the insurance market, like other multiparty industries, must tackle in the move to Web3.\nThe webinar, Measuring and Proving Enterprise-scale Blockchain Technology in the Insurance Industry, will take place on Thursday, March 30, 2023, at 1pm ET / 10am PT. To register, go here.\nHyperledger Fabric performance is a question that comes up frequently as users try to compare it to transactional databases or other blockchain platforms in terms of the maximum TPS (Transactions Per Second). Performance in a Hyperledger Fabric network is complex because in an appropriately deployed network there will be many organizations participating, each with their own hardware and networking infrastructure, along with different solution characteristics such as number of channels, chaincode implementations and policies.\nHyperledger Fabric 2.x has performance improvements over Hyperledger Fabric 1.4. Fabric 1.4 is now out of LTS and should not be used in production environments. Fabric 2.5 is the latest LTS version and includes the new peer Gateway service. When used with the new gateway SDKs, applications will demonstrate improved performance relative to applications based on the legacy SDKs.\nHyperledger Fabric documentation now has a section on Performance Considerations that can be found in the 2.5 and latest versions of the Hyperledger Fabric documentation. This content provides useful insight into helping to achieve a performant Fabric network. It doesn’t include information about certain scalability concerns such as large numbers of PDCS, channels, organizations, etc.\nIn conjunction with the new Performance Considerations documentation, the community has leveraged Hyperledger Caliper for some initial performance benchmarks for Hyperledger Fabric 2.5. This post shares the benchmark results for a sampling of Hyperledger Fabric 2.5 builds to give an example of transactions per second (TPS) achieved, based on a very specific chaincode running on dedicated hardware.\nHardware and Topology\nThe Hyperledger Fabric topology used was two peer Organizations (PeerOrg0, PeerOrg1) with a single peer node in each and one Ordering Service Organization (OrdererOrg0) with a single orderer service node configured for Raft. TLS was enabled for each node.\nEach node had the same identical hardware\nIntel(R) Xeon(R) Silver 4210 CPU @ 2.20GHz\n40 Cores made up of 2 CPUs. Each CPU has 10 physical cores supporting 20 Threads in total\n64Gb Samsung 2933Mhx Memory\nMegaRAID Tri-Mode SAS3516 (MR9461-16i) disk controller\nIntel 730 and DC S35x0/3610/3700 Series SSD attached to disk controller\nEthernet Controller X710/X557-AT 10GBASE-T\nThe machines were all on the same switch.\nHyperledger Fabric was deployed natively to three physical machines (i.e., the native binaries were installed and executed; no container technology such as Docker or Kubernetes was used).\nHyperledger Fabric Application Configuration\nLevelDB was used for the state database\nGateway Service Concurrency limit was set to 20,000\nA single application channel was created and the 2 peers and orderer were joined to this channel\nThe application capabilities were set to V1_4 so as to use the old lifecycle deployment. All other capabilities were set to V2_0 (capability level should not impact performance).\nNo system channel exists only the application channel\nGo chaincode without the Contract API was deployed (fixed-asset-base from hyperledger Caliper-Benchmarks)\nEndorsement policy 1 Of Any was specified for the chaincode\nNo private data was used\nDefault Fabric policies and configurations (note that in 2.5 SendBufferSize now defaults to 100) excluding anything previously mentioned\nNo range queries or JSON queries\nThe network was enabled for TLS, but not mutual TLS\nHyperledger Caliper 0.5.0 was used as the load generator and for the report output. Caliper was bound to Fabric 2.4, which means it used the peer Gateway Service to invoke and evaluate transactions. All transactions were generated from the same organization to its gateway peer.\nThe load itself was defined from fixed-asset in Hyperledger Caliper-Benchmarks.\nCaliper used four bare metal machines to host remote Caliper workers and also to host a single Caliper manager to generate the load on the Hyperledger Fabric Network. In order to generate enough workload on the Fabric network, we have to use multiple Caliper workers, which equate to the number of current clients connecting to the network. In the results section, the number of Caliper workers is provided.\nDiagram of overall Topology\nThese results were generated against the latest builds of Hyperledger Fabric 2.5 and utilized the default node and channel config values. Specifically the following block cutting parameters were used:\nIn order to be able to push enough workload through without hitting concurrency limits, the gateway concurrency limit was set to 20,000.\nIn summary the following benchmarks are presented here:\nBlind write of a single key with 100 Byte Asset Size (a create asset benchmark)\nBlind write of a single key with 1000 Byte Asset Size (a create asset benchmark)\nRead/Write of a single key with 100 Byte Asset Size (an update asset benchmark)\nRead/Write of a single key with 1000 Byte Asset Size (an update asset benchmark)\nThe following should also be noted\nOnly a single channel is used and thus the peer doesn’t utilize its full resources (as described earlier a peer can achieve more throughput if more than one channel is utlized).\nThe chaincode is optimized for these tests. Real world chaincode will not be as performant.\nThe Caliper workload generator is also optimized for pushing transactions. Real world applications will also have a client implementation generating the workload which will introduce some latency.\nThe Caliper workload generator is sending transactions to a single gateway peer on the same organization. Real world applications are likely to have multiple organizations sending transactions concurrently. There is the potential for higher TPS results if the workload is sent to from multiple organizations rather than just the same organization.\nUtilizing the gateway service means that blocks are not received by the client (Caliper) via the delivery service to determine whether a transaction has completed, improving the performance of the client and the network compared to using the legacy node SDK.\nBlind Write of a single key 100 Byte Asset Size\nA Blind write is a transaction that performs a single write to a key regardless of whether that key exists and contains data. This is a Create Asset type of scenario.\nCaliper test configuration:\nfixed-tps, tps: 3000\nThe TPS here is the peak. Trying to push beyond this resulted in unexpected failures and a drop in overall throughput.\nBlind Write of a Single Key 1000 Byte Asset Size\nCaliper test configuration:\nfixed-tps, tps: 3000\nHere we see that we can achieve roughly the same throughput (i.e., the peak) but latency increases.\nRead Write of a Single Key 100 Byte Asset Size\nThis is a test where the transaction will randomly pick an already existing key with data, read it, then modify that key. The world state was loaded with 1 million assets for this test to reduce the chance of using the same key in two concurrent transactions resulting in MVCC_READ_CONFLICT validation errors. In this example, the TPS rate was low enough and fortunate that no MVCC_READ_CONFLICT validation errors were received.\nCaliper test configuration:\nfixed-tps, tps: 2550\nNote that the above results were done with an expectation of no failures. We see that the fabric network was not reaching capacity in this test as latency remains very low.\nRead Write of a Single Key 1000 Byte Asset Size\nThe above was repeated using a 1000 byte asset size.\nCaliper test configuration:\nfixed-tps, tps: 1530\nNote that the above results were done with an expectation of no failures. We see that the Fabric network was not reaching capacity in this test as latency remains very low.\nI would like to thank Shivdeep Singh for running the Hyperledger Caliper benchmarks to get the results presented in this blog and Dave Enyeart for reviewing the content.\nThe Use Case for Blockchain and Intellectual Property\nIPwe is revolutionizing the intellectual property (IP) system using blockchain. Intangible assets represent 90% of the S&P 500’s value, but patents, a large percentage of those intangibles, are underutilized and undervalued. There are approximately 25 million active patents worldwide, but the asset owners generally misunderstand their holdings, causing low utilization and commercialization rates, including financing, due to a lack of transparency and standardized asset valuation metrics that asset classes have. This amounts to over $1 trillion in lost IP opportunities annually.\nBlockchain-based technologies, specifically NFTs, allows patent data to be managed efficiently and securely by consolidating it into a single digital wrapper representing the asset. Beyond that, blockchain further enables smart contracts, meaning that when specific contractual events occur, the smart contracts directly read from the blockchain and automatically trigger a predefined reaction, making human intervention no longer necessary. Smart contracts create efficiency and transparency and enable micro-transactions, such as small-volume patent licensing deals, to be economically viable for businesses for the first time. They alleviate suffocating by transaction costs. Furthermore, trails of evidence on the blockchain safeguard that every action and smart contract automation can be audited properly.\nBlockchain Meets IP: How IPwe is Changing the Game with Hybrid Casper Blockchain and Hyperledger Fabric Network\nIPwe is leveraging blockchain technology to transform the IP landscape by tokenizing the majority of the world’s patents as patent NFTs, referred to as IPwe Digital Assets, representing the largest enterprise blockchain NFT deployment in history. These 25 million IPwe Digital Assets store verifiable ownership data and auditable, compliant records for each patent, allowing enterprises to confidently manage their IP in the next-generation Web3 ecosystem. Additionally, IPwe Digital Assets are populated with public data from leading patent datasets, providing IP owners with a transparent digital representation of asset ownership. With verified data about each patent stored on NFTs, transactions can happen faster than ever before because enterprises no longer have to spend weeks or months manually verifying patent data, and smart contracts will trigger the transactions automatically.\nHybrid Casper Blockchain and Hyperledger Fabric Network\nIn September 2022, Casper Labs and IPwe developed and launched a dynamic NFT blockchain solution, IPwe Digital Assets. The solution uses the permissioned distributed ledger technologies of open source Hyperledger Fabric and the public Casper Blockchain to securely store verified public and private information about each patent. The integration capitalizes on the data security and trust inherent on a Hyperledger Fabric network and enables Casper to securely bring assets locked on the private ledger to the public chain.\nWhy A Hybrid Network Approach\nA hybrid blockchain combines the capabilities of private and public blockchains, taking advantage of each. The private blockchain offers secure, permissioned data storage—an essential feature that’s particularly crucial for highly regulated industries. Meanwhile, the public blockchain brings scale and immutability, enabling a more open and transparent ledger.\nTo showcase the potential of a hybrid network, Casper Labs and IBM recently performed the first atomic cross-chain swap of fungible and non-fungible tokens between an instance of a Hyperledger Fabric permissioned network and the Casper Blockchain.They used a Hyperledger Lab, Weaver, to achieve the cross-chain functionality. (Weaver is now part of Hyperledger Cacti.) The result was a hybrid blockchain, uniquely equipped with the enhanced security of a consortium network running Hyperledger Fabric and the public verifiability and open market access offered by the Casper public blockchain.\nThe Significance of IPwe’s 25 Million Patent NFTs\nBeyond just tokenizing patents, IPwe provides a solution called Smart Intangible Asset Management (SIAM), a comprehensive SaaS tool for IP valuation and management. By reading from the patents NFTs, IPwe’s advanced AI algorithms determine a benchmark value for each IPwe Digital Asset and IP portfolio, providing enterprises with unrivaled insights and enabling smarter and more informed business decisions.\nOne of the key benefits of IPwe Digital Assets is the ability to aggregate data for more efficient management and analysis by storing all relevant data in one location, readily accessible on the blockchain from anywhere. Typically, patent data is not kept in one central repository but is highly fractionalized across multiple public and private databases, causing enterprises to spend weeks verifying their own patent data. Another advantage of IPwe Digital Assets is data verification, as the data stored on the NFT becomes more valuable once verified. When adding data points to an IPwe Digital Asset, IPwe and other third parties confirm its level of trustworthiness, such as whether all existing “public” records show the same owner for a patent. Private asset data is also an important aspect of the NFT. IPwe’s goal is to ensure that enterprises will be able to add all current private data to their IPwe Digital Assets – not just who owns it, but who is licensing it, who is commercializing it, who is financing it. All this information can be used to confirm the asset’s true value.\nIn conclusion, using a hybrid Casper Blockchain and Hyperledger Fabric network, IPwe is deploying 25 million patent NFTs, the largest enterprise blockchain deployment in history. On top of that, IPwe’s SIAM solution allows enterprises to fully utilize these patent NFTs to transact, manage, and value their IP. This revolutionary implementation of blockchain technology will enable IPwe to bring liquidity to the IP space, where currently approximately 95% of IP assets are not transacted or commercialized.\nJoin IPwe’s upcoming webinar on February 8th to learn more about this revolutionary SaaS platform and how IPwe aims to transform the IP landscape and bring liquidity into the market by tokenizing patents as NFTs.\nEveryone agrees that doing business in the EU creates a mountain of paperwork. Many forms deal with customs, duties, and taxes across the 27 EU members and with trading partners in other countries.\nFilling out all these forms demands a lot of resources. And missed opportunities pile up when overloaded staff don’t claim the exemptions they’re entitled to under various trade treaties.\nTake, as an example, the Long Term Supplier Declaration (LTSD), which certifies the materials and country of origin for any product or material. This form must be updated by every supplier every 24 months. More than 80% of these forms are still handled on paper, creating a huge risk of honest mistakes and deliberate fraud.\nEvery year, Siemens AG exchanges about 10,000 of these forms with suppliers at an estimated cost of €120 to €150 for completing each paper-based LTSD form. That means handling a single EU customs form on paper costs Siemens more than a million Euros a year.\nThe Digital Tax Transformation at Siemens teamed up with colleagues at Henkel to see if they could use blockchain technology to make the processes smoother, faster, more secure, and more transparent. Their aim was to\nProve that digitized tax forms save time and money\nBuild an open, flexible platform that can support many partners\nShowcase the network to companies across the EU\nThey opted for Hyperledger Fabric as the platform because it is built for permissioned networks, with good security and privacy, and strong community support. It took a team of Microsoft developers in Europe just three days to build a working prototype that could handle an LTSD form on-screen instead of on paper. Right away, the benefits were obvious. Before, the complicated paper-bound process took days, if not weeks. Now, thanks to pull-down lists and tax codes, the LTSD forms never need to be printed. If both buyer and seller use the new system, a whole form can be done in minutes, with far less risk of errors or fraud.\nTo build out the full blockchain network, Microsoft recommended KrypC, an experienced solution provider that was already operating several other networks built with Hyperledger Fabric. KrpyC built taXchain, a very flexible network where any member can run their own node or use a managed node; write their own APIs or have those written for them; and process a small, medium, or large number of tax forms.\nThe LTSD form is now running on the network, linked to a database of 7,000 possible materials. APIs link the network to an SAP pilot system at Siemens. The blockchain stands ready to record and certify precise data based on each LTSD, in a tamper-proof format that government authorities and trading partners can trust.\nIn a huge vote of confidence for its innovative design, taXchain recently won the prestigious Taxcellence award from Handelsblatt, a renowned financial newspaper in Germany.\nThe Hyperledger Foundation team worked with KrypC and Siemens on a case study that details the planning and development of taXchain as well as next steps for growing the network. It also highlights the long-term opportunity to transform the traditional chore of processing B2B taxes from a cost center to a profit center.\nHello, I’m Great Umegbewe. I am currently a sophomore studying Computer Science at the University of Nigeria, Nsukka. During the fall of 2022, I had the chance to work on Fablo, a Hyperledger Lab, as part of the Hyperledger Mentorship Program. I was mentored by Jakub Dzikowski and Piotr Hejwowski and found the experience to be both valuable and enjoyable. This blog post will share some of my insights from this experience.\nFablo is a simple tool to generate a Hyperledger Fabric blockchain network from a config file and run it on Docker. Its main goal is to provide a super-easy start with Hyperledger Fabric. It uses a declarative approach to define components in a network, in a single file named fablo-config.json. This where users can define channels, chaincodes, organizations and engines (Docker or Kubernetes). Before I came in, only Docker was supported as an engine. I worked on adding support for Kubernetes.\nBefore the mentorship, I had previous experience working with Kubernetes and Bash, but none with Hyperledger Fabric. This mentorship helped me learn about Hyperledger Fabric and its components. It also taught me a whole lot about open source software and how the work of a maintainer isn’t that easy.\nHats off to Jakob Dzikowski and Piotr Hejwowski. They are really amazing maintainers and mentors.\nTo contribute to Fablo, I needed to learn how Fablo worked and understand Hyperledger Fabric. Again my mentors were very helpful with this.\nI initially started by defining the various components on yaml’s with the images of peers, CAs, etc. This worked in one direction, but was daunting and had several problems. Luckily, Hyperledger had a Kubernetes Operator hlf-operator with a kubectl plugin that managed all aspects from the deployments, statefulsets and persistent volumes. With this abstraction what was left is to:\nWrite the shell scripts wrapped around the operator plugin to accommodate the required components (channels, chaincodes, CAs, peers).\nAdd support for Kubernetes engine in the fablo-config.\nTemplate the shell scripts.\nCreate a snapshot and unit testing.\nWhat comes next?\nThis has been a valuable experience. I was really challenged and my skills have improved so much. For the foreseeable future, I will continue working on Fablo and other open source projects. Big thanks to my mentors. Hopefully, I will become a maintainer for Fablo too.\nHyperledger Bevel is an automation framework for rapidly and consistently deploying production-ready DLT platforms. This mentorship project enhances Hyperledger Bevel to perform a live upgrade of a Hyperledger Fabric network from version 1.4.x to 2.2.x and provide an operations guide to perform the steps. This project uses Ansible, Kubernetes, Helm, Hashicorp Vault and Hyperledger Fabric.\nMy mentors for this project were Sownak Roy and Jagpreet Singh Sasan. Their support and guidance has been immensely helpful for implementation of this project.\nThis development work has automated the steps to upgrade the Hyperledger Fabric network, which shall increase the productivity to carry out such upgrades.\nWhat did you learn or accomplish?\nBefore the start of this project, I had a basic understanding of setting up a Hyperledger Fabric network using Docker Compose. Hyperledger Bevel provided insights on how to automate and set up a production grade Hyperledger Fabric network on Kubernetes platform in various cloud providers.\nI learned how Ansible, Helm charts and Flux are tied together for this implementation. Ansible does the automation for deployment pipeline, Helm charts are the reusable packages for Kubernetes components, and Flux implements the GitOps model so that current Hyperledger Fabric Network state is available for the operator.\nMy mentors validated my approach and provided feedback. I learned about multiple orderer organizations in a Hyperledger Fabric network and improved the upgrade automation for such scenarios. I was able to set up the network in a local minikube environment and will be updating the Hyperledger Bevel documentation for the same. This will provide new developers who do not have a cloud Kubernetes environment to set up and learn Hyperledger Bevel.\nI worked primarily on SharePoint development during my career but last year started looking into blockchain technologies as it provides immense potential to bring trust to the internet. There are so many use cases in real-life scenarios that ultimately can be solved by these technologies\nThe productivity that blockchain solutions bring to the table will be a win-win solution for enterprises as well as customers. This is an evolving technology that is community driven and, being open source, provides opportunity for all to learn and contribute. This mentorship program provided me a similar opportunity and now, along with Linux Foundation certification, my work is noticed by employers. I wholeheartedly thank my mentors and Linux Foundation for this opportunity and wish to keep contributing to this ecosystem.\nStudy and develop chaincode and smart contracts following ERC standards.\nPrototype a cross-chain bridge between Hyperledger Fabric and EVM-based blockchains. Hyperledger Technologies: Hyperledger Fabric, Hyperledger Besu, Hyperledger Cactus.\nImre Kocsis, assistant professor, Budapest University of Technology and Economics (BME), Budapest, Hungary.\nL��szló Gönczy, assistant professor, Budapest University of Technology and Economics (BME), Budapest, Hungary.\nImpact yielded from work:\nThis work constitutes an add-on to the existing efforts to enable interoperability between permissioned networks. Moreover, we contribute to the community by developing a cross-chain bridge between Hyperledger Fabric and EVM-based blockchains using the Secure Asset Transfer Protocol (SATP), a protocol under standardization at the Internet Engineering Task Force (IETF).\nWhat did you learn or accomplish?\nCreate a report on blockchain interoperability solutions.\nImplement a prototype of the designed cross-chain bridge solution in Hyperledger Cactus.\nDevelop an academic paper.\nAt the beginning there were a lot of unknowns: a new area, protocols, and new technology. After all, I am glad about the final product and all the lessons learned.\nLessons learned and advice:\nThe community is here to help. We had fruitful discussions with various members of the Hyperledger community, which proved to be valuable for the final project.\nThe best is always yet to come. Believe me when I say things will always be better than they are at the moment — bugs appear, and sometimes we need to take a step back to take two steps forward.\nHyperledger Fabric was considered the most adopted enterprise blockchain solution.\nHyperledger Cactus provides the building blocks for interoperability.\nThe integration of Self-Sovereign Identity (SSI) with interoperability solutions seems to be the way forward to perform identity management.\nWhat comes next?\nThe addition of SSI in our work seems a good next step as a way to remove some assumptions made in the solution design.\nI envision to continue working and advancing the existing interoperability research. I aim to continue contributing to Hyperledger Cactus (now Hyperledger Cacti), the Hyperledger project directed toward interoperability.\nAn SLA defines the services delivered by a provider to a client and the metrics for measuring those services. If the actual services received by the client do not meet the SLA guarantees promised by the provider, the agreement has been violated. In that case, the provider may owe the client a refund or whatever penalty is defined in the SLA.\nThe solution brief includes a high-level overview of a proposed solution for self-assessing SLAs. This proposed solution uses Hyperledger Fabric blockchain technology to tackle the gray areas of conventional SLA assessment.\nThis unique architecture provides a trusted and privacy-preserving network that can precisely monitor and compute SLA metrics, with full transparency for both provider and client.\nAchieving effective SLA self-assessments will benefit everyone in the ecosystem by building trust, removing friction, streamlining processes, and saving costs.\nThe Problem: Lack of transparency\nAn effective SLA clearly defines all performance metrics and parameters.\nBut in most conventional SLAs, the provider assesses their own performance using their own tools and frameworks. The client generally has no way to see how these metrics are monitored or calculated. This increases the risk of biased results that favor the provider.\nThis lack of transparency means the client could well suffer from misunderstandings, missed violations, and insufficient refunds. All this undermines trust between the provider and the client.\nThe Solution: Using blockchain for transparent self-assessment\nThis solution brief proposes a novel architecture that is based on the Hyperledger Fabric blockchain framework and Hyperledger Fabric Private Chaincode (FPC). As shown in the figure below, the installed Trusted Execution Environment (TEE) provides secure and private monitoring, and computation of all performance metrics governed by the SLA.\nBoth client and provider benefit from the presented solution, which builds trust where little previously existed. More details are provided in the full white paper.\nThe scientific research performed on SLA Self-Assessment and applied to the telecom context adheres to work accomplished under the Pledger project.\nThe Hyperledger Telecom Special Interest Group would like to thank the following people who contributed to this solution brief: Nima Afraz, David Boswell, Gordon Graham, Nikolaos Kapsoulis, Antonios Litke, Alexandros Psychas, Vipin Rathi, and Theodora Varvarigou.\nHyperledger technologies are serving as the open source foundation for a rapidly growing range of production solutions and applications. Companies across Asia are putting Hyperledger technologies to work to boost trade, fight fraud, streamline financial transactions, authenticate data, verify identities and more.\nAs part of our spotlight on #HyperledgerAsia, we’ve collected a sampling of the many Hyperledger-powered solutions reshaping how business is done in markets across Asia. Read on for details:\nGlobal Shipping Business Network (GSBN)\nGSBN was founded by eight global shipping lines and terminal operators as a not-for-profit consortium to provide one standardized source of immutable data to all users in real-time. Built using the Oracle Blockchain Platform implementation of Hyperledger Fabric in multi-cloud deployment, GSBN supports modern and efficient global trade through data exchange. GSBN rolled out its first use case, Cargo Release, over several months, beginning in China and Southeast Asia in August 2021.After the initial deployment, GSBN gained support from terminals across the globe. Cargo Release expanded its footprint into Rotterdam, the Netherlands, in March 2022. Four months later, Cargo Release launched in Latin America, starting with ports across Mexico and Panama.\nGSBN is using a permissioned blockchain with strong data governance where only authorized parties are granted the right to contribute and consume shipping related data. By leveraging immutability of the blockchain and data field level privacy through cryptography, participants in the supply chain such as Terminals, Carriers, Shippers, Freight Forwarders, Truckers, Customs and Financial Institution now also access Trade Finance and Electronic Bill of Lading applications, as well as Cargo Release, all enabled by trusted shipping data. Read the details in this case study.\nmarketsN is a secure B2B platform from KoineArth built on the Oracle Blockchain Platform, which is powered by Hyperledger Fabric. It has been deployed by Hindalco Industries Ltd. (a subsidiary of the Aditya Birla Group) for monitoring the supply chain for outsourcing operations, including contract manufacturing with 25+ vendors (tollers) in a 4-tier supply chain network. marketsN enables them to see the inventory available at each vendor at any given point in time, replacing a three day manual process using Excel spreadsheets, many phone calls, and on-site visits, while avoiding the need for subsequent reconciliation since the data comes directly from the vendors. The solution also helps vendors to plan their own production based on shipment info to Hindalco clients, balance quantity, lower-tier supplier information, and other data on blockchain which allows them to better optimize their resources. They plan to also enable online invoice generation to automate the billing and payments cycle.\nMDL (Medium Distributed Ledger)\nMedium has developed an enterprise-type, high-performance blockchain solution, “MDL,”’ with an advanced core blockchain based on Hyperledger Fabric that can achieve speeds of up to 15,000 TPS. Its usability is maximized through the “MDL Manager,” which allows users to easily install, manage and monitor the blockchain.\nMDL is currently being supplied to the Korea Expressway Corporation as a mutual settlement system for the tolls collected on the public and private highways in the country. Before the adoption of the blockchain-based mutual settlement system, there were more than 20,000 complaints a year about payment mismatches. Now, as a result of the new system, not only are data errors and omissions prevented but the processing performance of the system has increased. Settlement data, even in areas with high traffic volume, is now stably handled, reducing the amount of overpayment, manpower, and complaints.\nOpen Trade Blockchain (OTB)\nOpen Trade Blockchain is a cross-border trade documentation blockchain from Global eTrade Services (GeTS) that connects China & ASEAN economies It’s built on the Hyperledger Fabric-based Oracle Blockchain Platform and is used to provide security and visibility across all trade documents – helping to contain investment risk and facilitate growing trade with simplified verification procedures and data harmonization. Single-Windows or Single-Window Front-end Services can integrate with OTB to provide more value-added services for the local trade community.\nThis cross border blockchain-based trade platform has been extended to support collaboration across Taiwan, Singapore and New Zealand with the aim of improving the efficiency of cargoes under their Free Trade Agreement. For example, 3M Taiwan Ltd. reports that the cross border blockchain solution not only helps to reduce time for preparing and transmitting customs clearance documents from half a day to five minutes but has also solved documentation preparation challenges for Singapore exporters working remotely.\nRAG Fraud Blockchain\nThe RAG Wangiri Blockchain was launched in March 2020 as a partnership of telcos and vendors created by Risk & Assurance Group (RAG) and Orillion Solutions with a common aim of reducing the number of wangiri fraud calls received by phone users. SORAMITSU recently joined the partnership and created a new Hyperledger Iroha-based infrastructure that can work with an expanded range of frauds. Renamed RAG Fraud Blockchain, this next-generation blockchain ledger serves as a fraud intelligence exchange where members that contribute data earn the right to access others’ data. The telcos that actively contribute their data will earn the right for continued free access, while other firms and organizations, including software vendors and law enforcement agencies, may pay for access or else be granted visibility of strictly limited subsets of the common ledger.\nSecure Logistics Document Exchange (SLDE)\nThe Secure Logistics Document Exchangewas facilitated by the Government of India and the Ministry of Commerce & Industry with an aim to replace the physical exchange of trade documents with a secure digital platform for generation, storage and exchange of documents. Built using Aadhaar-based authentication mechanism and the Hyperledger Fabric-based Oracle Blockchain Platform as a secure ledger, it offers an audit trail for the title of ownership/authenticity of documents and provides end-to-end visibility on transfer of documents.\nThe SLDE platform, developed by CargoExchange, supports an end-to-end digital trade ecosystem that includes banks, shippers, customs, freight forwarders, and export and import companies and aims to address the issues related to physical movement of logistics related documents such as slow speed, limited transparency and lack of audit trails. Using SLDE, Axis Bank has successfully executed industry-first blockchain-enabled domestic trade transactions with ArcelorMittal Nippon Steel India and Lalit Pipes & Pipes Ltd. YES BANK used the system to support a deal involving Mukka Proteins, a Mangaluru-based marine product manufacturer and exporter, and Golden Beach Line (importer), an Oman-based trading company, with the forwarding agent Shipwaves Ltd.\nSnapCert is a blockchain-based Credential Authentication platform for universities, colleges and institutes. Offered as a SaaS platform by Snapper Future Tech, SnapCert equips education customers to issue and verify credentials on a blockchain, ensuring no fraudulent credentials can be issued in their name.\nSnapCert is built on Hyperledger Fabric and interoperable with non-Oracle Hyperledger instances that may be deployed on third-party clouds. It uses cloud infrastructure and REST APIs to build powerful products. The platform issues SSI (self-sovereign identity) credentials that follow W3C’s DID (decentralized identity) and verifiable credentials standard. It is also compliant with privacy and security compliance mandates (e.g., GDPR).\nSnapCert offers secure digitization, generation, authentication, sharing, and verification of any kind of academic certificate as well as digital credentials for enterprises.\nTrust Your Supplier\nTrust Your Supplier (TYS) is a next-generation cloud-based supplier management platform built on Hyperledger Fabric that accelerates supplier onboarding, lowers procurement operating costs, ensures global regulatory compliance, and provides real-time visibility of supply chain risk across an encrypted blockchain environment.\nTYS continues to expand the solution, allowing network participants to manage and monitor their suppliers across the globe. TYS was recently deployed into China and Japan, which brings the count of countries where TYS is available in Asia to 36. Additionally, suppliers in China can work in the TYS app using Simplified Chinese.", "domain": "economics"}
+{"url": "http://seiuearlyeducatortraining.org/early-educator-apprenticeship/", "date": "2020-02-20T16:51:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875145260.40/warc/CC-MAIN-20200220162309-20200220192309-00186.warc.gz", "language_score": 0.9512304067611694, "token_count": 284, "dump": "CC-MAIN-2020-10", "global_id": "webtext-fineweb__CC-MAIN-2020-10__0__170697591", "lang": "en", "text": "The Early Educator Apprenticeship is designed for working adults, and includes paid on-the-job training, coaching, community-based college coursework, professional learning communities, wage increases as professional targets are met, and individualized guidance to help participants advance on the CA Child Development Permit Matrix.\nThe Apprenticeship has benefited from Workforce Accelerator Fund grants received from the California Workforce Development Board, and a California Apprenticeship Initiative grant received from the California Community College Chancellor’s Office. Our partners – the Mexican American Opportunities Foundation (MAOF), the Child Care Resource Center (CCRC), and Los Angeles Trade Tech College (LATTC) – have also made invaluable contributions to the success of the Apprenticeship.\nCurrently, more than 30 center-based child care workers are enrolled in the Early Educator Apprenticeship. The apprentices are predominantly women of color, ranging in age from mid 20’s to mid 60’s, mostly Mexican-American and recent immigrants, and working mothers. The first cohort of home-based (FCC) apprentices will launch in the San Fernando and Antelope Valleys in November 2016. And plans are underway to create a pre-apprenticeship that would support kinship care providers (i.e., license exempt) to become licensed and enter the Apprenticeship.\nWant to know more? Click here!", "domain": "economics"}
+{"url": "https://digitalalta.com/e-commerce-mobile-applications-development-trends-in-dubai-2024/", "date": "2024-04-16T21:06:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817106.73/warc/CC-MAIN-20240416191221-20240416221221-00403.warc.gz", "language_score": 0.9185671806335449, "token_count": 778, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__174505308", "lang": "en", "text": "In today’s digital age, mobile applications have become an essential tool for businesses to engage with their customers and drive sales. The e-commerce industry, in particular, has witnessed a significant shift towards mobile platforms, as more and more consumers prefer the convenience of shopping on their smartphones. In Dubai, a city known for its technological advancements and thriving business landscape, the demand for e-commerce mobile applications is expected to soar in the coming years.\nThe Rise of E-commerce Mobile Applications in Dubai\nDubai is a global hub for business and tourism, attracting millions of visitors and expatriates from around the world. With a rapidly growing population and a high smartphone penetration rate, the city presents immense opportunities for e-commerce businesses. The convenience of mobile shopping, coupled with the city’s robust infrastructure and digital ecosystem, has made e-commerce mobile applications an indispensable tool for businesses in Dubai.\nKey Trends Shaping E-commerce Mobile Application Development in Dubai\nAs the e-commerce industry continues to evolve, so do the trends in mobile application development. To stay ahead of the competition and meet the evolving needs of consumers, businesses in Dubai need to be aware of the following key trends:\n1. Personalization and Customization\nConsumers today expect personalized experiences when using mobile applications. E-commerce businesses in Dubai are leveraging advanced technologies, such as artificial intelligence and machine learning, to analyze customer data and deliver personalized recommendations and offers. By tailoring the shopping experience to individual preferences, businesses can enhance customer satisfaction and drive higher conversion rates.\n2. Augmented Reality (AR) and Virtual Reality (VR)\nAR and VR technologies are revolutionizing the way consumers shop online. In Dubai, e-commerce businesses are incorporating AR and VR features into their mobile applications to provide immersive shopping experiences. Customers can virtually try on clothes, visualize furniture in their homes, or even explore virtual showrooms. These technologies not only enhance the shopping experience but also help reduce the rate of product returns.\n3. Voice Commerce\nVoice assistants, such as Siri, Alexa, and Google Assistant, have gained popularity in recent years. E-commerce businesses in Dubai are leveraging voice commerce to provide a seamless and hands-free shopping experience. Customers can now use voice commands to search for products, place orders, and track deliveries. This trend is expected to gain further traction as voice recognition technology continues to improve.\n4. Mobile Wallet Integration\nWith the rise of mobile payments, integrating mobile wallets into e-commerce mobile applications has become crucial. Dubai, being a global financial hub, has seen a surge in mobile wallet usage. By offering secure and convenient payment options, businesses can streamline the checkout process and reduce cart abandonment rates.\n5. Social Commerce\nSocial media platforms have become powerful marketing channels for e-commerce businesses. In Dubai, businesses are integrating social commerce features into their mobile applications, allowing customers to discover and purchase products directly from social media platforms. This trend not only enhances the shopping experience but also helps businesses reach a wider audience and drive sales.\nContact Us for E-commerce Mobile Application Design and Development\nIf you are a business in Dubai looking to capitalize on the growing e-commerce mobile application trend, Digital Alta is here to help. With our expertise in mobile application design and development, we can create a customized and user-friendly mobile application that aligns with your business goals and caters to the unique needs of your target audience.\nContact us today at +971 50 970 5957 or email us at email@example.com to discuss your e-commerce mobile application requirements. Our team of experienced professionals is ready to assist you in taking your business to new heights in the digital realm.\nEmbrace the e-commerce mobile application revolution in Dubai and stay ahead of the competition. Contact Digital Alta today!", "domain": "economics"}
+{"url": "https://ecpinvestments.com/pan-african-investment-fund-emerging-capital-partners-ecp/", "date": "2023-03-20T19:13:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943555.25/warc/CC-MAIN-20230320175948-20230320205948-00146.warc.gz", "language_score": 0.9396483302116394, "token_count": 1028, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__254452346", "lang": "en", "text": "November 21, 2019: The Pan-African investment fund Emerging Capital Partners (ECP) announces the signing of an agreement to partially sell its shares in Oragroup to the Social Welfare Institute – General State Pension Fund (IPS-CGRAE) of Ivory Coast, which would become, after approval by the WAEMU Banking Commission and regulators in other currency areas, the main shareholder of the Pan-African banking group with 61.45% of the capital.\nWith a balance sheet total of CFAF 2,171 billion ($3.7 billion), 510,926 customers, 152 branches, 1,857 employees, CFAF 127 billion in net banking income, CFAF 130 billion in equity and CFAF 30 billion in net income as of December 31st, 2018, Oragroup is the leading independent banking group in the sub-region.\nThe agreement also includes several institutional shareholders of Oragroup (Proparco, DEG, BIO and BOAD) with a partial sale of their shares. On the strength of the banking group’s growth prospects and development plan, ECP will remain a shareholder in Oragroup alongside IPS-CGRAE, one of the major shareholders with nearly 20% of the capital in a dynamic of continuity over the long term. In addition, BOAD retains a long-term 40% stake in Orabank Ivory Coast and its branches: Orabank Burkina, Orabank Guinea Bissau, Orabank Mali, Orabank Niger, and Orabank Senegal.\nThis transaction follows the introduction of Oragroup on the Regional Stock Exchange (BRVM) in April 2019, representing 20% of its capital, the largest transaction since the creation of the BRVM in 1998 and a regional capital market raising of CFAF 56.92 billion (€86 million). IPS-CGRAE had subscribed to this public offering for 9% of Oragroup’s floating capital.\n“ECP is very proud of the progress made since investing in Oragroup in 2008. Together, we have created a leading banking group with a Pan-African focus. ECP’s strategy is to create value in its investments by bringing company operations up to international standards to promote the emergence of regional champions over time. The initial public offering and this transaction validates this strategy. ECP is convinced that with CGRAE, Oragroup will continue its strong growth trajectory,” explains Vincent LE GUENNOU, Co-CEO of Emerging Capital Partners.\n“With the support of exceptional revenues, the acquisition of Oragroup is a historic milestone for the State Employees’ General Retirement Fund, which has become a key player in the development financing of our regional economies. Investing today to better finance the pensions of tomorrow is very clearly our roadmap. As a social welfare institution, IPS-CGRAE wishes to optimize its financial capacities as an investor in order to intensify the progress towards the sustainable growth of our economies for the benefit of populations, pensioners, and public officials. With the Oragroup teams in whom we have complete confidence, we will continue in this direction. In addition, as part of a large project of pan-African institutional that the IPS-CGRAE will promote, social welfare funds of the sub-region will be invited to participate in the operation and make their contribution to the development of the group in each country of presence.” says Abdourahmane Tiémoko BERTE, Director General of the Institute of Social Welfare – General Fund of Retirement of State Agents. The synergy with IPS-CGRAE and its 83,000 members will sustainably strengthen the banking group’s performance and improve product offerings for the well-being of retirees and government officials in Ivory Coast and the sub-region.\nSince 2008, with the support of ECP, Oragroup has developed its geographical footprint and its activities through organic and external growth, with the acquisition in 2012 of the assets of the Togolese Development Bank and in 2013 of The Solidarity Regional Bank with BOAD. The Group’s net banking income and assets increased 12-fold between 2008 and 2018, a significant result in the sector. As for Oragroup’s commercial brand, Orabank, it was launched in 2011 and has since established itself as a benchmark brand.\nOver the last 10 years, Oragroup’s growth trajectory has been recognized with a ranking in the Top 5 in several of its countries of presence (No. 1 in Togo) and numerous awards: the African Banker Awards in 2015 and 2017 for “Best Regional Bank in West Africa,” the “Best Bank” of Burkina Faso in 2017 and 2018, Togo and Senegal in 2018 by the Financial Times group. Finally, the long-term A and short-term A2 investment ratings obtained from Bloomfield in May 2018 and August 2019 confirm the Group’s solidity and performance.", "domain": "economics"}
+{"url": "https://cspl.blog.gov.uk/2020/06/19/understanding-the-value-of-selflessness-in-the-coronavirus-crisis/", "date": "2024-03-02T10:59:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475806.52/warc/CC-MAIN-20240302084508-20240302114508-00030.warc.gz", "language_score": 0.9672492146492004, "token_count": 1094, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__18494188", "lang": "en", "text": "With its remit across public life, the Committee is maintaining a close watch on standards issues arising as a result of the Covid-19 pandemic. Recognising the unique and unprecedented nature of the challenge for the public sector, continuing to uphold the Seven Principles of Public Life is vital to maintaining trust in government and our institutions throughout this crisis. In a series of blogs, the Committee will discuss the relevance of these principles to the current crisis. We are not considering the government’s practical response to the crisis, e.g. the availability of PPE or length of lockdown, but rather monitoring any impact on standards and the Nolan Principles.\nIn this blog, independent member of the Committee, Dame Shirley Pearce, discusses the value of selflessness and the demands made on public sector workers during the Coronavirus crisis.\nThe Nolan Principle of Selflessness asks that those engaged in public roles act solely in the public interest. This means placing the needs of the public ahead of their own personal needs and progression.\nIt is a challenging principle at the best of times since we all, naturally, tend to be motivated by our own needs and those of our families. And at a time when we are all stretched by the constraints of the COVID-19 pandemic, the challenges to the principle of selflessness are particularly great.\nWe work to satisfy many complex needs. At the simplest transactional level, we work to earn money to enable us and our families to thrive and progress in the world.\nBut financial reward is not the only factor that determines how and where we work. Most people try to choose areas of work that also meet their psychological and social as well as financial needs. The ability to provide services that improve the lives of others is often a powerful motivator for those who work in the public sector. So selflessness makes good sense to most public office holders and can even provide reward in itself.\nBut it isn’t always easy. The principle of selflessness addresses the potential conflict between the benefit to the provider and the recipient of the public sector service.\nIt requires that at all times those providing public sector services should not allow their own interests and advantages to influence how they respond. The needs of the recipient and their formal entitlements should be what determines the intervention and action of the provider. Public sector roles vary in the extent to which discretion can be used in the interactions and outcomes post holders can deliver to their clients. Social security decisions for example are constrained by rules and rights. Those in health and social care management may be more nuanced and an individual’s decision can influence the outcomes more directly.\nThis principle has been uniquely tested in the current pandemic. We have seen NHS staff asked to take on high risk roles and retrain to play a role in the front line. In considering how to respond to this demand, staff have had to balance the risks of becoming ill themselves with the need to provide an effective service to their patients. Those who have agreed to be part of the front line have provided the ultimate example of selflessness, putting the needs of their patients above their own personal well-being. And those who have contracted the virus as part of their work and have died so tragically have paid the ultimate price of selflessness. The concept of what is a reasonable level of selflessness in life and death situations has been brought to the fore in the COVID-19 crisis. We do expect staff to go the extra mile in a crisis, but most in health and social care did not see their lives as under threat before now. What is reasonable for us to expect? We do not, for example, expect benefits staff to hand over their own money, but we do expect nurses to work an extra shift.\nSenior staff have a particular responsibility in this crisis to ensure that the demands on their staff do not go beyond the expectations of their contract or profession and that their staff are properly supported and protected to take on new responsibilities.\nFor example, the initial shortage of PPE created ethical tensions we would not normally expect as staff had to determine their response to working with suboptimal protection. There is no right or wrong in these situations and each person should be respected for the way they have, individually decided to respond to this extreme challenge to their selflessness. But they and we need to be sure that they have not done so because they have been pressured or bullied.\nAmongst care workers we have seen examples of those who have moved into care homes with their residents so that the risk of the virus entering the home is reduced. In so doing they have put their own fate into the same place as the residents and, showing extreme levels of selflessness, have put the needs of the residents above those of their own family. Whilst we honour those who have made the extreme sacrifice, we must also be clear that it is not something that is legitimate for us to expect. If there is no alternative, then we should deeply regret that we expect it, and we should give serious consideration to how we acknowledge people’s sacrifice and how to learn lessons to avoid asking it of others in the future.\nSelflessness does not just happen in extreme situations such as the pandemic. Selflessness forms part of daily life of effective public sector workers and is something that we all should value and support, but not rely on or exploit, as we work our way out of this crisis.", "domain": "economics"}
+{"url": "https://glennimmigration.com/immigration-resources/uscis-tax-return-requirement/", "date": "2024-04-17T08:21:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817146.37/warc/CC-MAIN-20240417075330-20240417105330-00430.warc.gz", "language_score": 0.9333509206771851, "token_count": 5057, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__54714087", "lang": "en", "text": "Whether you are applying for a green card, seeking naturalization, or sponsoring a relative’s immigration, the United States Citizenship and Immigration Services (USCIS) may require you to present your tax documents.\nThe interplay between tax filing status, residency, and immigration status is complex. The American tax system categorizes individuals into ‘Resident Aliens’ and ‘Nonresident Aliens,’ each with distinct tax obligations based on their time spent in the U.S. and their immigration status. For those applying for the U.S. citizenship, tax returns serve as critical proof of naturalization eligibility, with the USCIS requiring specific tax documentation to assess applicants’ good moral character and adherence to federal laws.\nIn this article we’ll discuss the USCIS tax return requirements, necessary documents, the impact of your tax status on your immigration applications, and how to ensure compliance with U.S. tax laws. By understanding these tax requirements, you can avoid potential pitfalls that might jeopardize your immigration status or delay the processing of your green card or citizenship application.\n1. What Are the USCIS Tax Return Requirements?\nThe process of immigration to the United States involves numerous paperwork and strict adherence to the regulations set by the USCIS. Among these requirements, the necessity for tax returns stands out as a critical element that underscores an applicant’s financial responsibility and adherence to U.S. laws.\n– The Role of Tax Returns in USCIS Applications\nTax returns are essential for several reasons in the context of immigration. Firstly, they serve as proof of the sponsor’s ability to support an immigrant financially, ensuring that the immigrant does not become a public charge. This is particularly relevant in family-based green card applications, where the sponsor must submit Form I-864, Affidavit of Support, accompanied by their most recent tax returns.\nMoreover, tax documents reflect the applicant’s compliance with U.S. laws, an aspect USCIS scrutinizes to determine one’s eligibility for certain immigration benefits. For instance, consistent tax filing can indicate good moral character, a requisite for citizenship through naturalization.\n– Tax Status: Resident Alien vs. Nonresident Alien\nUnderstanding your tax status is pivotal, as it directly influences your tax filing obligations and, by extension, your immigration process. The U.S. tax system classifies individuals into two broad categories based on their immigration status and presence in the country: Resident Aliens and Nonresident Aliens.\n- Resident Aliens are generally green card holders or meet the Substantial Presence Test, requiring them to pay taxes on their global income just like U.S. citizens.\n- Nonresident Aliens are individuals who do not hold a green card and do not meet the presence requirements. Their tax obligations are limited to income earned from U.S. sources.\nThese distinctions are crucial because your tax filings under these categories can impact your immigration applications and status. For example, USCIS and other federal agencies may interpret the way you file your taxes—as a Resident or Nonresident Alien—as indicative of your ties to the U.S., which can influence decisions on applications for adjustment of status or naturalization.\nFurther reading: Learn about the difference between a Green Card and Visa\n– Implications for Immigration\nThe intersection of tax laws and immigration status is complex, and navigating it requires careful attention to ensure compliance on both fronts. The tax documents you are required to present can vary based on the specific immigrant visa category you seek. Generally, the government may request copies of your tax returns and evidence of tax payments to verify financial stability and legal compliance.\nUnderstanding and correctly handling your tax return requirements are fundamental steps in safeguarding your immigration journey. Failing to file tax returns, or filing them incorrectly, can lead to adverse immigration consequences, including delays in processing applications or denials of certain benefits. Therefore, it’s advisable to consult with immigration and tax professionals to ensure that your tax status and filings support, rather than hinder, your immigration objectives.\n2. Required Tax Documents for Immigration Applications\nNavigating the USCIS requirements for tax returns involves understanding the specific documents you need to gather and submit with your immigration application. Here is an outline of the essential tax documents for all green card sponsors and additional requirements for certain immigration situations.\n– Tax Documents for All Green Card Sponsors\nAll sponsors are required to submit a copy of their individual Federal income tax return, including all W-2s, for the most recent tax year. This is a fundamental requirement that demonstrates green card sponsors financial capability and compliance with U.S. tax laws. If you were not required to file a tax return, you must provide a statement or evidence explaining why, which could include evidence of non-taxable income or income below the filing threshold.\nAdditionally, including copies of each Form 1099, Schedule, and any other evidence of reported income is essential. These documents give a comprehensive view of your financial status, further supporting your application. For a more thorough assessment, you may also submit tax information for the most recent three tax years, pay stubs from the last six months, and/or an employment verification letter if deemed necessary.\n– Additional Documents for Specific Immigration Situations\n- Self-Employed Sponsors: If you’re self-employed, you’ll need to provide a copy of your Schedule C, D, E, or F from your most recent Federal income tax return. This document should establish your income from your business, providing a clear picture of your financial stability.\n- Active Military Sponsors: For those on active duty in the U.S. Armed Forces or U.S. Coast Guard and sponsoring a spouse or child, proof of active military status and income that meets 100 percent of the Federal Poverty Guidelines is required. This concession is a recognition of the service and sacrifice of military personnel.\n- Using Household Income or Assets: If you’re using the income of household members or dependents to qualify, additional documentation will be needed. This includes a separate Form I-864A for each person whose income you are using and proof of their residency in your household and relationship to you. Also, if assets are being used to qualify, documentation establishing location, ownership, date of acquisition, and value of these assets is required.\n- Joint Sponsors and Substitute Sponsors: Joint sponsors or substitute sponsors must prove their U.S. citizenship, lawful permanent resident status, or U.S. national status. This could include a birth certificate, passport, or Permanent Resident Card (Form I-551), depending on the sponsor’s status.\nPreparing the correct tax documents is crucial for a successful immigration application. The requirements can vary significantly based on your specific situation, including whether you are self-employed, a military sponsor, or using assets or household income to meet financial requirements. Carefully review your situation against USCIS guidelines and consider consulting with an immigration professional to ensure you gather and submit all necessary documentation accurately.\n3. Tax Filing Status and Its Impact on Immigration\nUnderstanding the relationship between tax filing status and immigration is critical, as it can influence one’s ability to adjust status, obtain a green card, or even naturalize as a U.S. citizen.\n– Tax Filing Compliance and Immigration Status\nThe United States tax system differentiates between ‘Resident Aliens’ and ‘Nonresident Aliens’ for tax purposes, based on factors such as green card possession or substantial presence in the country. This classification has significant implications for tax filing obligations and, by extension, immigration processes.\nFor immigration purposes, demonstrating tax compliance is crucial. The USCIS scrutinizes tax filings as part of assessing an applicant’s adherence to U.S. laws, which is particularly important for those seeking permanent residency or citizenship. Inconsistent tax filing or failure to file can be viewed as indicators of poor moral character or a lack of financial stability, potentially jeopardizing immigration applications.\n– The Consequences of Incorrect Tax Filing\nIncorrectly filing your taxes, such as filing as a Nonresident Alien when you meet the criteria for Resident Alien status, can have serious repercussions for your immigration status. Such errors may suggest to USCIS that you do not consider the U.S. your permanent home, affecting your eligibility for certain immigration benefits, including the possibility of naturalization.\nMoreover, deliberate attempts to evade taxes or misrepresent financial status through tax filings can lead to legal challenges, including deportation proceedings. It’s not merely a matter of financial penalties; the integrity of your tax filings reflects on your character and eligibility for immigration benefits.\n– Ensuring Compliance with Tax and Immigration Laws\nTo navigate the intersection of tax laws and immigration successfully, it’s essential to:\n- Understand your tax filing status: Determine whether you’re considered a Resident Alien or Nonresident Alien for tax purposes and file your taxes accordingly.\n- Maintain accurate records: Keep detailed records of your income, tax filings, and any communications with the IRS. These documents can be invaluable in clarifying your situation to USCIS if needed.\n- Seek professional advice: Given the complexity of both tax and immigration laws, consulting with professionals in both fields can provide clarity and help avoid costly mistakes. Immigration attorneys and tax advisors can offer tailored advice based on your specific circumstances.\nBy carefully managing your tax filings and understanding their implications for your immigration status, you can avoid unnecessary complications. Proactive and informed management of your tax obligations is a crucial step in ensuring a smooth immigration process, safeguarding your status in the U.S., and moving closer to achieving your immigration goals.\n4. Tax Returns and Citizenship Eligibility\nFor individuals applying to become U.S. citizens through naturalization, tax returns are not just financial documents; they are integral proofs of their commitment to the country’s laws and societal responsibilities showing good moral character.\nNaturalization applicants must demonstrate good moral character, a key requirement for U.S. citizenship. Consistent and accurate tax filing is a significant indicator of this character trait. The USCIS views tax compliance as a reflection of an applicant’s adherence to U.S. laws and responsibilities as a resident. Failure to file tax returns, or filing them incorrectly, can lead to questions about an applicant’s moral character and potentially derail their citizenship application.\n– Required Tax Documentation for Citizenship and How Many Years\nWhen applying for citizenship through naturalization, individuals are generally required to present tax returns for the last five years, or three years if married to a U.S. citizen. These documents must be certified tax transcripts obtained from the IRS. The submission of these documents serves two purposes: it demonstrates the applicant’s financial stability and their compliance with U.S. tax laws over a significant period.\nFurthermore, presenting tax returns can also help address any concerns regarding an applicant’s continuous residence or physical presence in the United States, as required by USCIS for naturalization.\n– Handling Tax Issues Before Applying for Citizenship\nCitizenship applicants with outstanding tax issues are advised to resolve these before applying for naturalization. This can involve setting up a payment plan with the IRS for any owed taxes. Importantly, evidence of such a payment plan and receipts for payments made can be presented during the naturalization interview to demonstrate compliance and good faith effort to fulfill tax obligations.\nThis proactive approach to resolving tax issues not only helps to reinforce the applicant’s good moral character but also ensures that the naturalization process is not hindered by unresolved financial liabilities.\n– Key Takeaways for Naturalization Applicants\n- Ensure Compliance: Regular and accurate filing of tax returns is crucial. Verify that your tax status accurately reflects your residency status and that you meet all filing requirements.\n- Gather Documentation: Obtain certified tax transcripts for the required period before your naturalization interview. This demonstrates a history of compliance and financial responsibility.\n- Address Outstanding Issues: If you have unresolved tax issues, address them promptly. Engage with the IRS to establish a payment plan if necessary and keep records of any arrangements and payments.\n5. Special Considerations for Different Immigration Forms\nThe USCIS utilizes a variety of forms to process different immigration benefits, each with its unique set of requirements, including those related to tax returns. Here are the special considerations related to tax documentation for some of these key immigration forms.\n– Form I-864, Affidavit of Support\nFor those sponsoring family members for U.S. immigration, Form I-864, Affidavit of Support, is a critical document. It requires sponsors to demonstrate their financial ability to support the immigrant to ensure they do not become a public charge. Sponsors must submit their most recent tax returns, along with W-2s and additional evidence of income, such as pay stubs or employment letters, to meet these requirements. This documentation is crucial for establishing the sponsor’s income level against the Federal Poverty Guidelines.\n– Green Card Applications and Tax Returns\nTax returns play a significant role in green card applications, particularly those based on marriage. Joint tax returns can serve as evidence of a bona fide marriage, which is a key requirement for marriage-based green card applications. The USCIS often views jointly filed tax returns as an indicator of a couple’s financial interdependence and commitment. In cases where a joint sponsor is involved, their tax returns are also required to ensure they meet the income requirements to support the immigrant.\n– Naturalization and Continuous Residence\nApplicants for citizenship through naturalization (Form N-400) must show continuous residence in the U.S. Tax returns can be valuable in demonstrating this requirement, providing a clear record of the applicant’s presence and financial activity in the U.S. over the required period. Consistently filed tax returns are also indicative of the applicant’s good moral character, a necessity for naturalization.\n– Addressing Tax Issues for Visa Adjustments\nIndividuals applying for adjustments of their visa status (Form I-485) must be in compliance with all U.S. laws, including tax laws. In situations where applicants have not filed taxes or have outstanding tax liabilities, resolving these issues becomes crucial before submitting their application. Documentation of tax filing or resolution of tax issues can support the application process, demonstrating the applicant’s commitment to adhering to U.S. laws.\n6. How to Address Tax Issues in Immigration Applications\nDealing with tax issues is a critical step for immigrants and sponsors in the U.S. immigration process. Tax compliance plays a significant role in various immigration applications, and unresolved tax issues can impact one’s immigration status or application outcomes. Here are strategies to address tax issues effectively, ensuring a smoother immigration process.\n– Identify and Resolve Outstanding Tax Liabilities\nBefore proceeding with any immigration application, it’s crucial to identify any outstanding tax liabilities. The IRS offers various programs and options for individuals to resolve unpaid taxes, including payment plans and offers in compromise. Engaging with the IRS to address these liabilities and obtaining documentation of any arrangements or resolutions is essential. This documentation can then be presented to USCIS as evidence of tax compliance.\n– Obtain Tax Transcripts\nFor many immigration applications, including naturalization and applications requiring the Affidavit of Support (Form I-864), certified tax transcripts from the IRS are needed. Tax transcripts provide a more official record of your tax filings than copies of tax returns and are often required by USCIS to verify income and tax compliance. Requesting transcripts early in the application process can prevent delays, as obtaining these documents from the IRS may take time.\n– Consult with Tax and Immigration Professionals\nThe intersection of tax and immigration laws can be complex, and individual situations may require specialized advice. Consulting with tax professionals can help ensure that your tax filings are in order and that any outstanding issues are appropriately addressed. Similarly, immigration attorneys can provide guidance on how tax issues may affect your immigration application and help navigate any potential challenges.\n– Document Non-Filing Years\nIf there were years you were not required to file a tax return, it’s important to document the reasons for non-filing and gather any supporting evidence. This might include proof of insufficient income, residency outside the U.S., or other valid exemptions. Providing a clear and truthful explanation, supported by documentation, can help address any questions from USCIS regarding gaps in tax filing history.\n– Prepare for Immigration Interviews\nDuring immigration interviews, particularly for naturalization or green card applications, be prepared to discuss your tax filings and any issues that have been resolved. Practicing responses to potential questions about your tax history can help you present your situation confidently and accurately. Bringing documentation to the interview, including tax transcripts and evidence of resolved tax issues, can also support your case.\n7. How to Get Tax Transcripts from the IRS for USCIS Applications\nObtaining tax transcripts from the IRS is an essential step for many USCIS applications, as it verifies your income and tax compliance. Here’s a straightforward guide on how to request these documents:\n- Step 1: Determine the Type of Transcript You Need\n- Tax Return Transcript: Shows most line items from your tax return as it was originally filed. Suitable for most USCIS applications.\n- Tax Account Transcript: Provides basic data including return type, marital status, adjusted gross income, and taxable income.\n- Decide which one fits the requirements of your application.\n- Step 2: Online Request\n- Visit the IRS website and use the “Get IRS TAX Transcript Online” feature. You’ll need to create an account or log in, providing your SSN, date of birth, filing status, and mailing address from your latest tax return.\n- Select the type of transcript you need and the year. You can view, download, and print your transcript immediately.\n- Step 3: Phone Request\n- Call the IRS at 1-800-908-9946. You��ll need to provide your SSN or Individual Tax Identification Number (ITIN), date of birth, and the numbers in your street address.\n- Follow the prompts to select the type of transcript and the tax year you need.\n- Step 4: Mail Request\n- Step 5: In-Person Request\n- If you prefer, you can visit a local IRS office to request a transcript in person. Check the IRS website for Taxpayer Assistance Center Office Locator and make an appointment if required.\n– Troubleshooting Common Issues with Obtaining IRS Tax Documents for Immigration\n- If you encounter difficulties with the online system, such as verification problems, try the phone or mail request options.\n- For issues related to accessing transcripts for a year not available online, contact the IRS directly for assistance.\n- Obtaining your tax transcripts from the IRS is a key step in preparing your USCIS application, demonstrating your financial history and compliance with tax laws. By following these steps and planning ahead, you can ensure that this part of your application process is as smooth as possible.\n8. Immigration Attorney Support for Tax Matters in USCIS Applications\nPreparing your USCIS application can be a complex process, especially when it comes to ensuring all your documentation, including IRS tax reports and transcripts, is in order. Don’t let this crucial step become a stumbling block on your path to achieving your immigration goals. Start the process early, and ensure you have all the necessary documentation well in advance of your immigration application deadline.\nIf you find yourself needing assistance or have questions about obtaining your tax transcripts from the IRS for your immigration application, consider seeking help from an experienced immigration attorney in Atlanta, GA at Glenn Immigration LLC. They can provide valuable guidance, help troubleshoot any issues you might encounter, and ensure your green card or citizenship application is as strong as possible.\nRemember, the effort you put into preparing your immigration application now can save you time and stress later, bringing you one step closer to your goal. So, take action today: review your tax documents, request any transcripts you need from the IRS, and move forward confidently with your USCIS application.\n9. FAQs Regarding USCIS Tax Return Requirement\nWhat does USCIS look for in tax returns?\nUnited States Citizenship and Immigration Services (USCIS) verify tax returns for consistency with income statements, proof of financial stability, and to verify marital status and dependents for applications like green card and citizenship ensuring applicants meet financial requirements for their immigration process.\nHow many years of tax returns are required for citizenship?\nFor U.S. citizenship via naturalization, applicants must bring their certified tax returns or transcripts for the last 5 years (3 years if married to a U.S. citizen) to their citizenship interview. This requirement confirms consistent tax compliance, an essential aspect of the good moral character evaluation by USCIS.\nHow many years of tax returns are required for a green card?\nFor green card applications, USCIS requires applicants to submit their tax returns for the last 3 years. This documentation supports the Affidavit of Support form (I-864), proving the green card sponsor’s (or cosponsor’s) ability to financially support the immigrant, ensuring they will not become a public charge.\nDoes immigration ask for tax returns?\nimmigration authorities, such as USCIS, commonly request tax returns to verify an applicant’s income, tax compliance, and financial stability. This is crucial for various processes, including green card applications, citizenship, and family sponsorship, ensuring applicants meet the necessary financial requirements.\nWhat tax returns are needed for immigration?\nFor immigration purposes, the U.S. requires applicants to provide recent tax returns, usually the last 3 years, including both federal and state returns. They should correspond with forms like I-864 (Affidavit of Support) for family-based green cards or prove financial stability for employment or adjustment of status.\nDo I need a tax return for Form I-130?\nWhile Form I-130, the Petition for Alien Relative, itself does not require tax returns, subsequent steps in the family-based green card process, such as the Affidavit of Support (Form I-864), will. The I-864, required to obtain a green card, demonstrates the financial ability of the sponsor to support the immigrant.\nWhat is the 7-year tax exemption for immigrants?\nThere is no 7-year tax exemption for immigrants. All U.S. residents, including immigrants, are subject to U.S. tax laws from the time they earn income in the U.S. However, some non-resident aliens may not owe U.S. taxes on certain income from abroad, but this does not constitute a blanket “7-year tax exemption.”\nWhat is the “Immigration Tax Return Status”?\nThe Immigration Tax Return Status refers to the examination of an immigrant’s compliance with U.S. tax laws, often used by immigration authorities like USCIS during various application processes. It assesses whether the applicant has filed tax returns appropriately, reflecting their income and financial stability.\nDoes the IRS report to immigration?\nThe IRS and immigration authorities (like the USCIS) operate independently, and strict privacy laws protect taxpayer information. The IRS generally does not share individual tax return information with other federal immigration agencies due to these protections, except under specific circumstances outlined by law.\nDoes USCIS check if you owe taxes?\nUSCIS does not check if you owe taxes, but they do require evidence of tax filing and compliance as part of various application processes, such as those for a green card or citizenship. While USCIS focuses on whether applicants have filed their taxes, tax debts could potentially impact applicant’s good moral character.\nHow many years of tax returns are required for a green card sponsor?\nA green card sponsor is typically required to submit the most recent 3 years of tax returns as part of the Affidavit of Support (Form I-864). This documentation proves the sponsor’s financial stability and ability to support the immigrant above the poverty line, ensuring the immigrant will not become a public charge.\nHow can I obtain tax return transcripts for USCIS immigration purposes?\nTo obtain tax return transcripts for USCIS immigration applications, you may visit the IRS website and use the “Get Transcript” tool, call the IRS at 1-800-908-9946, or submit Form 4506-T, Request for Transcript of Tax Return. Ensure you request the tax return transcript required by USCIS for the relevant years.", "domain": "economics"}
+{"url": "https://medvoiceinc.com/5-ways-rcm-services-can-improve-your-financial-health/", "date": "2024-04-24T21:54:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296819971.86/warc/CC-MAIN-20240424205851-20240424235851-00136.warc.gz", "language_score": 0.9194605350494385, "token_count": 1502, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__137127799", "lang": "en", "text": "As a medical provider, you strive to offer the best care and service to your patients. However, managing billing and collections can consume your valuable time and resources. By partnering with a reliable revenue cycle management (RCM) provider, you can optimize your revenue cycle to enhance cash flow.\nThis allows you to focus on patient care while ensuring compensation for your services. In this article, learn five ways an RCM service can improve your cash flow by taking on critical revenue cycle responsibilities. With an efficient, tech-enabled RCM strategy in place, your practice can thrive financially while you continue delivering excellent care.\nThe Challenges of Medical Billing and Collections\nManaging medical billing and collections can be complicated and time-consuming. As a physician, your expertise is in providing quality care to your patients, not navigating complex insurance rules or chasing down unpaid claims. However, if you do not have an efficient revenue cycle management (RCM) system in place, your practice can face significant financial challenges.\nInaccurate or Incomplete Billing\nWithout medical billing specialists handling your claims, there is a higher chance of errors that can lead to denied or underpaid claims. This results in lost revenue for your practice and can damage patient relationships if patients receive unexpectedly high bills due to billing issues.\nDifficulty Receiving Payments\nThe medical billing process involves communicating with numerous insurance companies, each with different policies, coverage levels, and payment rates. RCM services have teams dedicated to verifying patient insurance, determining benefits, and following up on unpaid or denied claims to maximize the payments you receive. They are also experienced in negotiating with insurance companies to dispute any unfair denials or underpayments.\nLack of Reporting and Analytics\nIf you do not have a robust RCM system, it can be difficult to gain visibility into key performance indicators like your revenue cycle metrics, denial rates, or accounts receivable. RCM services provide customized reporting and analytics to give you insights into your revenue cycle health and help you make data-driven decisions to optimize your practice’s financial performance.\nDamage to Patient Experience\nFrustrating medical bills or confusing insurance issues can reflect poorly on your practice and damage patient loyalty. RCM services help ensure patients receive clear, accurate bills by verifying insurance, catching any errors early, and providing price estimates before non-emergency procedures. They also have dedicated teams to answer any patient questions about their bills or handle disputes. This helps provide a positive overall experience and builds goodwill for your practice.\nIn summary, RCM services can help overcome these common challenges by providing medical billing and collections expertise, advanced technology, and dedicated resources to manage your revenue cycle, reduce errors, increase payments, gain data-driven insights, and improve patient satisfaction. Partnering with a reputable RCM provider is key to optimizing your practice’s financial health and growth.\nHow an RCM Company Can Help\nAs a medical practice, maximizing revenue and optimizing cash flow are top priorities. However, the complexities of medical billing and coding can make this challenging. An RCM (revenue cycle management) company actively manages your entire revenue cycle to ensure you receive proper reimbursement for services rendered.\nRCM specialists are experts in medical coding and billing, staying up-to-date with the latest changes in CPT, ICD-10, and HCPCS code sets. They review your charts and claims to assign the correct codes for maximum, compliant reimbursement.\nRCM companies analyze common reasons for claim denials and take measures to prevent them. They verify patient eligibility and insurance coverage, review claims for errors before submission, and follow up on any pending claims. This can help reduce costly rework and maximize your reimbursement rate.\nAccount Follow Up\nEven with preventative measures in place, some claims may still be denied or go unpaid. RCM specialists conduct rigorous follow-ups on outstanding accounts, appealing improper denials and resolving any issues to get claims paid. They negotiate with insurance companies and patients to recover maximum revenue for your practice.\nReporting & Analytics\nAn RCM partner provides detailed reporting and analytics on your revenue cycle performance. Metrics like days in A/R, denial rates, collection rates and net collection percentage allow you to pinpoint areas for improvement. You gain insights to optimize workflows, strengthen internal controls, and boost your bottom line.\nBy outsourcing revenue cycle management to experts, you can focus on patient care while ensuring your practice gets paid promptly and accurately. An RCM company actively manages your billing and collections process using industry-leading practices and technology solutions to maximize your revenue and cash flow.\nThe Benefits of Partnering With MedVoice for RCM\nMedVoice offers revenue cycle management (RCM) services to maximize your practice’s revenue and reimbursements. By outsourcing your RCM to MedVoice, you gain numerous advantages:\nIncreased Cash Flow\nMedVoice’s team of certified medical billers and coders ensure that your claims are submitted accurately the first time. This minimizes denials and delays in payments. MedVoice also follows up aggressively on unpaid claims to reduce days in A/R and speed up your payments. With improved billing and follow-up processes, you receive payments faster.\nManaging an in-house billing team requires investing in software, training, and personnel. Outsourcing to MedVoice eliminates these costs while providing specialized expertise. MedVoice’s scalable services allow you to pay only for what you need.\nYour staff can refocus on patient care instead of chasing payments or managing billing questions. MedVoice handles your entire RCM process, from charge entry to payment posting and reporting. Your staff is freed up to concentrate on your practice’s core operations.\nMedVoice helps identify and address issues leading to lost revenue such as incorrect fee schedules, charge lag, and write-offs. MedVoice’s medical coding experts utilize the optimal codes for your services to maximize your legitimate reimbursements. They also help determine eligibility and benefits to collect the total amount owed.\nInsightful Data and Reporting\nMedVoice provides real-time dashboards and reports on your key performance indicators (KPIs) like collections, adjustments, denials, and days in A/R. You gain visibility into your revenue cycle metrics to uncover trends, compare to benchmarks, and make data-driven decisions to enhance your financial performance.\nIn summary, outsourcing your RCM to MedVoice leads to a healthier bottom line through increased cash flow, cost savings, improved productivity, greater revenue, and data-driven insights. MedVoice’s expertise and services allow you to focus on patient care while optimizing your reimbursements.\nBy taking advantage of a professional RCM service like MedVoice, you can alleviate the administrative burdens of billing and collections. This frees you up to focus on patient care while ensuring you receive the proper reimbursements you deserve. With their expertise and technology, MedVoice handles all aspects of the revenue cycle – from verifying eligibility and benefits to appealing denied claims. They have the systems and scale to maximize collections in the quickest, most compliant way possible. Engaging an RCM partner could be one of the smartest financial decisions you make for your practice this year. Give the team at MedVoice a call today to learn more about how they can improve your cash flow.", "domain": "economics"}
+{"url": "https://www.ahdictionary.com/word/search.html?q=exchange", "date": "2023-05-31T16:09:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224646937.1/warc/CC-MAIN-20230531150014-20230531180014-00010.warc.gz", "language_score": 0.8886339664459229, "token_count": 556, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__106429092", "lang": "en", "text": "v. ex·changed, ex·chang·ing, ex·chang·es\n1. To give in return for something received; trade: exchange dollars for francs; exchanging labor for room and board.\n2. To give and receive reciprocally; interchange: exchange gifts; exchange ideas.\n3. To give up for a substitute: exchange a position in the private sector for a post in government.\n4. To turn in for replacement: exchange defective merchandise at a store.\n1. To give something in return for something received; make an exchange.\n2. To be received in exchange: At that time the British pound exchanged for $2.80.\n1. The act or an instance of exchanging: a prisoner exchange; an exchange of greetings.\n2. One that is exchanged.\n3. A place or network for exchanging things, especially a center where securities or commodities are bought and sold.\n4. A telephone exchange.\na. A system of payments using instruments, such as negotiable drafts, instead of money.\nb. The fee or percentage charged for participating in such a system of payment.\n6. A bill of exchange.\n7. A rate of exchange.\n8. The amount of difference in the actual value of two or more currencies or between values of the same currency at two or more places.\n9. A dialogue: a heated exchange between the two in-laws.\nOf or relating to a reciprocal arrangement between a local and a foreign institution or group: an exchange student; exchange programs for students learning foreign languages.\n[Middle English eschaungen, from Anglo-Norman eschaungier, from Vulgar Latin *excambiāre : Latin ex-, ex- + Late Latin cambīre, to exchange, barter; see CHANGE.]\nThe American Heritage® Dictionary of the English Language, Fifth Edition copyright ©2022 by HarperCollins Publishers. All rights reserved.\nIndo-European & Semitic Roots Appendices\nThousands of entries in the dictionary include etymologies that trace their origins back to reconstructed proto-languages. You can obtain more information about these forms in our online appendices:\nThe Indo-European appendix covers nearly half of the Indo-European roots that have left their mark on English words. A more complete treatment of Indo-European roots and the English words derived from them is available in our Dictionary of Indo-European Roots.", "domain": "economics"}
+{"url": "https://www.bauxite.club/newsinfo/221049.html", "date": "2019-10-21T21:02:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570987787444.85/warc/CC-MAIN-20191021194506-20191021222006-00259.warc.gz", "language_score": 0.9391167759895325, "token_count": 259, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__87718122", "lang": "en", "text": "Deputy Director General\nMinistry of Mines and Geology\nMohamed Baba SYLLA, B.Eng., M.Eng., holds a bachelor’s degree in electrical engineering (Telecommunication) and a master’s degree in computer engineering from Polytechnique Montréal. He holds also a strategic foresight degree from Conservatoire National des Arts et Métiers (CNAM) in Paris.\nFrom 2002 to 2008, he has been working in Montreal as software engineer and consultant for several companies, including the investment bank Morgan Stanley through Compuware.\nFrom 2008 in 2015, he worked as Senior Consultant in France mainly for CAC 40 companies (Accor, Cap Gemini, T-Systems...) as major Information System project manager and architect.\nFrom 2015 to 2016, Mohamed Baba SYLLA was Chief Operating Officer in Niger in charge of defining and implementing the strategy of transformation and development of one of the leader company of its sector.\nSince July 2016, Mohamed Baba SYLLA is the Deputy Director-general of the Mining Promotion and Development Center of the Republic of Guinea. He has driven successfully the completion of the modernization of the mining cadaster which now enables an efficient and transparent management of mining titles and authorizations.", "domain": "economics"}
+{"url": "http://horizonmp.com.au/", "date": "2018-03-24T21:26:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-13/segments/1521257651007.67/warc/CC-MAIN-20180324210433-20180324230433-00717.warc.gz", "language_score": 0.9406358599662781, "token_count": 693, "dump": "CC-MAIN-2018-13", "global_id": "webtext-fineweb__CC-MAIN-2018-13__0__84111243", "lang": "en", "text": "Home Loan Pre Approval\nA Home Loan Pre-Approval is where you apply for a Home Loan, before you find the property you want to buy.\nIt means that the initial paperwork is completed, before you get onto the fun part of buying a new home.\nIt allows you to search for your new home with peace of mind, you know your Price Range, you know your Lending Range, so you have a more focused shopping experience for your new property.\nIt may also mean that you are taken more seriously by the Realty Agent as a prospective buyer, because you can demonstrate that you’ve already done your Finance homework.\nThis may also put you in a stronger position to negotiate price with the Vendor.\nGenerally a Pre-Approval is valid for up to 3mths, and can easily be extended if required, provided nothing of a material nature has changed about your circumstances i.e. job, salary, and your existing liabilities haven’t increased.\nTo actually know that you have the ability to borrow – before you buy – can also save time.\nIf you aren’t sure whether a Lender will consider your application, perhaps a default or inconsistent repayment history may impair your ability to borrow, this is where we can work with you to get these issues sorted out and appropriately tidied up, before going to the next step of a Home Loan Pre-Approval.\nIf your Savings Plans need some guidance and focus, we can also help you there.\nThe 5 C’s of Credit is the foundation for all borrowing. Ideally a loan applicant is able to show either a Savings or a Repayment History, to show they are a worthy borrower, these aspects form part of the 5 “C’s” of Borrowing & Lending:\n- Cash Flow/Capacity to repay\n- Collateral/Security/Property type & location\n- Capital/Cash Deposit Savings/Equity\n- Conditions/Economic/Lending Policy.\nA Contract to Purchase – Contract of Sale by Offer & Acceptance, is a Legal Document so checking out your ability and capacity to borrow is always the first step.\nAt Horizon Mortgage Planners – we help you Plan - before you buy.\nPhone us today: (08) 9474 2500\nHow much can I borrow?\nAn instant estimate of how much you can borrow for your home loan.\nBasic Loan Repayments\nCalculate how much your home loan repayments will be by comparing options like fortnightly repayments, interest rates and length of loan.\nComplete Loan Comparison\nUse a loan comparison calculator to compare current home loan products in Australia.\nCalculate your home loan repayments with extra repayments and results of time and interest saved.\nHow Long to Repay\nSimple calculation of repayments resulting in loan term and overall cost of loan.\nLump Sum Payments\nSimple calculation of how a lump sum payment lowers the loan term and overall cost of loan.\nP & I / Interest Only\nCompare the loan repayments between a principal and interest loan or an interest only loan.\nFind out how much your loan will grow to be and how much you or your estate will have left after paying back the loan when the house is sold.\nCalculate your repayments based on a split loan between fixed and variable.", "domain": "economics"}
+{"url": "http://region9.healthresearch.ph/index.php/research-utilization/10-news/172-best-practices-for-mango-sought-for-better-quality-production?tmpl=component&print=1&page=", "date": "2019-05-26T10:31:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232259015.92/warc/CC-MAIN-20190526085156-20190526111156-00478.warc.gz", "language_score": 0.935053825378418, "token_count": 690, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__49101672", "lang": "en", "text": "The prospect of planting mango has been made sweeter to farmers.\nMulti-location research has identified natural control for common pests and diseases as well as other interventions benefiting mango, a highly valued crop that brings income to small farmers and dollars to the nation’s coffers.\nThe Philippines is the world’s seventh leading mango producer. Fresh mango is the leading dollar earner, consisting 59 percent of total mango export, followed by dried mangoes, mango puree, juice concentrates and mango juices.\nMango production dropped by 10 percent during the fourth quarter of 2017. The decline was attributed by the National Statistics Authority to farmers who were discouraged to conduct flower induction activities due to the occurrence of intermittent rains in the Zamboanga Peninsula (Zamboanga del Norte and Zamboanga del Sur).\nFrequent rains also led to lesser fruits developed during the flowering stage in Northern Mindanao, especially in Misamis Occidental.\nThe top mango producers last year were Zamboanga Peninsula (where a fourth of national production came from), followed by Caraga (Agusan del Norte, Agusan del Sur, Dinagat Islands, Surigao del Norte, Surigao del Sur) then Northern Mindanao.\nThese provinces will benefit most from a project funded by the Australian Centre for International Agricultural Research (ACIAR) and the Philippine Council for Agriculture, Aquatic and Natural Resources Research and Development (PCAARRD), Department of Science and Technology.\nMango is one of the priority commodities listed in PCAARRD’s National R&D Agenda and is included in the ACIAR-PCAARRD Horticulture Program on Fruits and Vegetables.\nThe project aims to improve the quality and yield of mango in order to reduce product losses due to pests and diseases and decrease production costs. It aims to prevent the decline in production and quality of fruits attributed to pests and diseases.\nThe research is geared towards improving fruit quality by developing effective insect control and Integrated Pest Management (IPM) solutions. Adoption of sustainable IPM practices could improve quality and yield of mango and increase farmers’ income by 156 percent.\nAnother target is to improve fruit size and yield by optimizing nutrition and canopy management. The project initiated a demonstration and training on canopy management in Davao Occidental and Davao del Sur.\nSpraying trees with plant growth regulators (PGR) could also reduce the incidence of blossom blight compared with multiple sprays of fungicide and could give higher average yield per tree. Auxin, cytokinin, gibberellic acid and salicylic acid were the PGRs used in the study.\nPGRs are potential controls for mango fungal diseases, according to Dr. Virgie Ugay of USeP.\nPGRs, commonly known as plant hormones, are chemical substances that promote the growth of plant cells, tissues and organs. Auxins, for example, stimulate cell elongation and influence root initiation and the development of auxiliary buds, flowers and fruits.\nUltimately, the research project aims to improve mango farmers’ livelihoods and profits by developing and implementing an integrated management package of “best practices.” A national survey in eight major mango growing areas of the Philippines was completed and is expected to provide information as foundation of “best bet” management guidelines.", "domain": "economics"}
+{"url": "http://www.cambodiaharvest.org/", "date": "2013-12-08T19:42:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386163800358/warc/CC-MAIN-20131204133000-00096-ip-10-33-133-15.ec2.internal.warc.gz", "language_score": 0.8814037442207336, "token_count": 501, "dump": "CC-MAIN-2013-48", "global_id": "webtext-fineweb__CC-MAIN-2013-48__0__6637250", "lang": "en", "text": "- USAID Frontlines Magazine article \"Mobile Kitchens Bring Improved Nutrition to Isolated Communities in Cambodia\"\n- Request for Proposals - Mobile Kitchen Project Battambang Province\n- Request for Proposals - Mobile Kitchen Project Siem Reap Province\n- Communities Replant Degraded Forests\n- Mobile Kitchens Take Nutrition to the People\n- Students Receive Thesis Support\n- Doubling Incomes and Impact in Cambodia - Blog post by Greg Beck, Deputy Assistant Administrator of USAID for Asia\n- USAID Frontlines Magazine article \"Harvesting Cambodia's Future\"\n- Photo Storyboard Highlights Recent Achievements\nLatest Monthly Reports\nFeed the Future is the US government's global hunger and food security initiative that supports country-driven approaches to address the root causes of hunger and poverty. Cambodia HARVEST is a key part of Feed the Future, working to foster equitable growth in the agricultural sector; improve nutritional status, especially of women and children; and reduce rural poverty in selected regions.\nWho We Are\nCambodia HARVEST is a five-year integrated food security and climate change program supported by the American people through the United States Feed the Future and Global Climate Change initiatives. The program seeks to reduce poverty and malnutrition by diversifying and increasing food production and income for up to 70,000 rural Cambodian households. Cambodia HARVEST develops sound, agricultural-focused solutions to poor productivity, postharvest losses, malnutrition, lack of market access, environmental degradation, and the effects of climate change on vulnerable rural populations.\nCambodia HARVEST works in provinces around the Tonle Sap Lake, where there is a high percentage of poor and food insecure families. The program is currently working with over 35,000 clients in more than 300 villages throughout Battambang, Kampong Thom, Pursat, and Siem Reap provinces.\nGoals and Objectives\nThe overarching goals of Cambodia HARVEST are to improve food security; strengthen natural resource management and resilience to climate change; and increase the capacity of the public and private sectors and civil society to support agricultural competitiveness. Specific objectives include:\n- Increase incomes for 70,000 rural households;\n- Accrue economic benefits for 140,000 people;\n- Develop income-generating activities for 7,000 \"extreme poor\" households;\n- Diversify cropping systems for 31,500 households; and\n- Generate $20 million in incremental new agricultural sales.", "domain": "economics"}
+{"url": "http://www.traffichunt.com/traffichunt/index/netBidding", "date": "2017-11-17T19:21:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-47/segments/1510934803906.12/warc/CC-MAIN-20171117185611-20171117205611-00590.warc.gz", "language_score": 0.922444760799408, "token_count": 136, "dump": "CC-MAIN-2017-47", "global_id": "webtext-fineweb__CC-MAIN-2017-47__0__108989693", "lang": "en", "text": "A single buying point to allocate budget across several channels.\nA real-time, holistic view of reach, frequency, performance and return on advertising spend across channels.\nAn advanced toolset to use data to drive more intelligent ad buying on a per impression basis.\nDirect competition - advertisers compete with one another for every single impression, driving up the price of ad space.\nSell one impression at a time - this maximizes the value of each and every impression with competing advertisers bidding on different criteria for that impression, ensuring that the publisher gets the best ad space price.\nTransparency - more granular information on which advertisers are buying inventory and what they are paying.", "domain": "economics"}
+{"url": "http://kylerkanzi.amoblog.com/emergency-bankruptcy-attorney-churchill-mt-call-877-541-9307-8570497", "date": "2018-12-16T07:02:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376827281.64/warc/CC-MAIN-20181216051636-20181216073636-00163.warc.gz", "language_score": 0.9474684000015259, "token_count": 8948, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__260510447", "lang": "en", "text": "Emergency Bankruptcy Attorney Churchill MT - Call 877-541-9307\nEmergency Bankruptcy Attorney Cut Bank MT - Call 877-541-9307\nIf you have actually been battling to obtain from financial debt for a very long time and you seem like you're lacking options, there may come a time when you decide to state personal bankruptcy. Lots of people take into consideration personal bankruptcy just after they go after financial obligation loan consolidation or financial obligation settlement These options could aid you obtain your finances back on the right track and will not adversely impact your credit scores as high as a bankruptcy. Debtors ought to know that there are several alternatives to personal bankruptcy, especially if they are pondering declare Phase 7 insolvency.\nIf a borrower has absolutely nothing left that is valuable, such as residential property or earnings, one more bankruptcy option is simply to stop paying financial institutions. At, legal representatives from our network figure out as well as assess instances whether filing for Phase 7 insolvency, Chapter 13 bankruptcy, or another financial obligation management technique will certainly be best.\nSole proprietorships could also be qualified for relief under phase 13 of the Insolvency Code. If you wish to release your charge card financial obligation, medical and also utility costs, prevent repossession, and examine the viability of financial obligation administration plans or financial obligation negotiation strategies, you require the aid of qualified personal bankruptcy attorneys.\nFiling for personal bankruptcy is a lawful process that either lowers, reorganizes or removes your financial debts. Lenders might wish to stay clear of a borrower entering into insolvency, computing that a personal bankruptcy filing will reduce the quantity of the financial obligation that will be repaid to them. Attorneys from our network could clarify which kind of personal bankruptcy will best safeguard your possessions while wiping out the largest amount of financial debt, so you'll recognize you're selecting the ideal course for you.\nDue to the fact that you stopped working the means examination for Phase 7, you would certainly have to if you file Chapter 13 personal bankruptcy either to conserve an asset or. You may be able to reduce out those nice-to-haves like wire or satellite landline, cell as well as tv phones if you take a closer look at your spending plan. If you have to choose in between settling a couple of financial debts or submitting bankruptcy, resolve the financial obligations, however do it right.\nThe Legislation Workplaces of Kevin Ahrenholz could help you in submitting Chapter 7, Phase 11, Phase 12, and Chapter 13 personal bankruptcy. The possible positive side with finding out a Chapter 13 is your only personal bankruptcy alternative is that you could have accessibility to funds that could allow you to resolve your financial obligations swiftly. People who made use of Phase 13 personal bankruptcy, best called wage earner's personal bankruptcy,\" had to do with split in their success.\nDuring this time around, a bankruptcy discharge could avoid you from getting brand-new credit lines as well as might also trigger issues when you make an application for work. Most of the people filing personal bankruptcy were not especially rich. Our bankruptcy lawyers can aid you to explore non-bankruptcy options to assist you locate the financial obligation alleviation remedy that is best for you.\nTo find out more about personal bankruptcy and also other debt-relief alternatives, seek advice from a local credit score therapist or read the Federal Trade Payment's informational web pages. The individuals as well as organisation that apply for insolvency have even more financial obligations compared to cash to cover them as well as do not see that transforming anytime quickly.\nIf among these bankruptcy options conserves your credit score, it's better to take it, also if it will certainly take a little bit longer or set you back a little more to get eliminate your financial debt. This is a far better alternative for the lender than if the borrower has the financial debt released in Phase 7 insolvency or placed in a court-approved payment strategy in a Phase 13 bankruptcy.\nIn Phase 13 loan consolidation\" personal bankruptcy, you reach maintain all your house, yet you pay into a three- to five-year payment plan. However, insolvency is still costly, and because of that, we offer 9 different payment plan options that will fit most budget plans. For this reason, before figuring out if personal bankruptcy is your ideal strategy, it's smart to compare all choices you need to get debt relief without personal bankruptcy.\nEven though people can file a bankruptcy case with no attorney or “Professional se,” it is critically tough to get it done competently.|The viewpoints expressed on this Web-site depict only the views of Robinson Regulation Personal computer and therefore are under no circumstances supposed as legal advice on which you ought to count.|Take note: You might be finding even further guiding simply because you are not taking advantage of all readily available tax credits and income dietary supplements. Use our Do not Leave Funds to the Desk! checklist to see if you may be improving your income with more credits, refunds and Advantages.|The fear and strain of having these debts and currently being pressured by selection organizations is just too hard so that you can tackle, or|Filing Chapter 13 bankruptcy stops foreclosure, removes bank card debt, together with other debts which include healthcare charges or own loans. In some instances, Filing Chapter 13 bankruptcy can strip or remove a 2nd property finance loan lien or a 3rd house loan lien over a household.|There are numerous means of finding a reduced-Expense legal Expert online. You can try out employing a free law firm Listing to think of an excellent list of candidates. The downside to this method is always that you will need to get in touch with or go to Each and every one of them and describe your monetary predicament.|You need to supply the name and handle of the company or person connected to the lease or contract, a description in the lease or agreement, along with the account quantity.|in a reduced rate and acquire it done quick. The main would be the dollars certification sort. It will state your income move together with it’s planning to exhibit a charge plan.|Don't hide info from them the attorney. Place all your info available Therefore the attorney can provide you with an educated remedy based on the real points of your situation. You’ll most likely find some very competent, lower-Value bankruptcy legal professionals or maybe pro bono bankruptcy attorneys who will be ready to assistance.|Using a Free Session, we can easily begin that can assist you, All your family members, or your little small business on the simplest route to monetary recovery. We provide proficient and caring Reasonably priced Lawyers for Bankruptcy without the unpleasant surprises that a lot less-expert bankruptcy attorneys may perhaps lead to.|You may Speak to us even soon after your circumstance is shut. Closed situations might in some cases must be reopened and it is sweet to understand that we are going to be there for you regardless of the.|The list of creditors, account quantities, addresses, and quantities owed need to be as total as feasible in order to avoid complications once the bankruptcy. Creditors who are not notified with the court will attempt to gather despite the bankruptcy.|Any creditors or debts not outlined within the paperwork filed With all the court are going to be exempt through the bankruptcy filing. Which means they're going to nonetheless be capable of seek recompense to your debts even after this process is finish. Make sure you involve all applicable debts and creditors when filing.|Get yourself back again on the right track. In the conclusion of the bankruptcy method, that you are discharged. You're not liable for discharged debts, and creditors can't get any motion versus you. You are actually all set to commence rebuilding your credit.|It was evident from the categories of inquiries she was inquiring that she had done her homework. This process ongoing for a few much more weeks and by then, we have been beginning to suspect that she wasn't a real debtor trying to find to file bankruptcy but alternatively, an attorney seeking to enrich her possess familiarity with bankruptcy from our gurus.|FreeProBono assisted me discover an area Professional bono attorney that thought in my lead to. I had been overwhelemed but they served me through my concerns and now I am saved!|To join updates for nearby and nationwide courtroom subjects, or to access your subscriber Tastes, you should enter your Get in touch with information and facts under.|Plan H – Co-debtors: You will need to provide the courts with the title and tackle of co-debtors that are responsible for any debts you have A part of your bankruptcy filing.|The next bankruptcy forms is going to be required regardless if you are filing Chapter 7 or thirteen (Except if otherwise indicated). It is possible to get the forms for free through the U. S. Bankruptcy Court docket website.|BAPCA is vital bankruptcy reform legislation that took influence in 2005 and however has main implications for bankruptcy currently. Take a minute to familiarize yourself with BAPCA.}\nExemptions in California are complex with two different schemes available to debtors, which are neither part of any uniform federal bankruptcy exemptions checklist.\n✓ ✓ If you have to make modifications following your filing or perhaps following your discharge, we may also help. ✓ ✓ When it is time to your creditor Assembly, we provide you details to arrange you, to ensure the method is usually a breeze.\nthat happen to be near you. Very affordable bankruptcy attorneys are actually effortless to uncover online. Be sure to read through the Directions below for more information.\nLots of individuals tumble guiding on payments due to A short lived career decline or illness. The key issue is to have A different job or to Get better completely. But following the crisis ends, it can be quite challenging to make amends for costs also to dig out from below a pile of personal debt.\nDecide if bankruptcy is the best option for yourself. Bankruptcy is not really something that you need to undertake lightly, but you ought to take into account it if you cannot repay your debts and do not foresee any shifting instances. That said, you do not have being totally broke to file. Talk to an attorney before you raid your retirement money and/or refinance your property. The choice to file for bankruptcy need to be created only as A final resort, because it arrives at a higher Value regarding your future creditworthiness. Right before filing you ought to determine whether sufficient within your debts would be discharged to create the procedure worthwhile. Usually bankruptcy filings are made by Individuals who have amassed very substantial professional medical expenditures or financial debt from charge cards, individual financial loans, or auto incidents.\nAlong with attorney charges, You will find a court docket price of $335 charged by U.S. Bankruptcy Court docket for Chapter seven bankruptcy. When you file a Chapter 13 bankruptcy, the courtroom payment of $310 is charged with the U.S. Bankruptcy Court docket. We're needed by law to collect that cost from you and after that fork out it for the court docket.\nAwait final correspondence stating your debts are discharged. In the end objections and motions are resolved, your situation will be legally processed, as well as your creditors will receive detect of one's (with any luck ,) effective bankruptcy filing. This can be no less than 61 days soon after your meeting of creditors.\nDebtors ought to record all residence and liabilities in their bankruptcy schedules. If a debt is not really pointed out, it is feasible the debt will not be discharged. (Lists on the paperwork like schedules that debtors must file are set out on Type B200) The decide could also deny the discharge of all debts if a consumer does a thing tough in reference to the bankruptcy scenario, for instance destroying or obscuring residence, falsifying data, or lying.\nEven though all debts are discharged, selected debts might be \"reinstated\" as the results of creditor strain. If a credit card debt is reinstated, it truly is no more discharged but rather proceeds underneath the identical phrases as before the bankruptcy proceedings. \nMost attorneys have established charges for bankruptcy. Connect with many and question about expenses. You’ll come across some cheap bankruptcy legal professionals and several higher-Price ones. If the cost-effective bankruptcy attorneys have expertise and verified results in encouraging their clients, then they must be severely thought of. Sometimes, when you're in extreme monetary problems and cannot purchase a bankruptcy filing, the attorney may possibly supply Professional bono do the job, taking up the bankruptcy circumstance for free.\nUpon getting accomplished the counseling program, your certification might be out there! You are going to acquire your certification in one of three ways:\nSense free to look through our lawful weblog and review archived articles about bankruptcy together with other legal issues that our purchasers usually check with us about. We function quite not easy to make this as affordable to suit your needs as possible whilst even now jogging a business mainly because we treatment about you!\nThis information will likely be used to mail notices to every of your respective creditors, informing them within your bankruptcy filing.}\nWhich Kind of Bankruptcy Should You Submit? Chapter 7 VERSUS 13\nThis chapter of the Personal bankruptcy Code normally offers for reconstruction, normally including a firm or partnership. Bankruptcy remains on your credit report for 7-10 years, depending upon which chapter of insolvency you file under. It might be time to declare insolvency if it is going to take more compared to five years for you to pay off all your financial debts. Chapter 13 bankruptcies comprise regarding 30 percent of non-business insolvency filings. Filing consumer bankruptcy with a court is the first step.\nA consumer bankruptcy lawyer could clarify your alternatives and help you determine if filing personal bankruptcy is appropriate for you. Take the time to compute just how much cash you need to stay clear of bankruptcy. We are the bankruptcy lawyers you could call to aid you achieve flexibility from your financial institutions and also gain back economic security. The automatic remain\" order stops lenders from attempting to collect from you during the insolvency procedure.\nThe brand-new consumer bankruptcy legislation calls for credit score counseling prior to bankruptcy filings anyhow so it's worth it to highly think about credit score counseling as a bankruptcy option. The American Personal Bankruptcy Institute (ABI) did a research study of PACER statistics (public court records) from 2016 and also discovered that 95.5% of the 499,909 Phase 7 insolvency cases made a decision that year were released, indicating the individual was no more lawfully called for to pay the financial debt.\nA Chapter 13 consumer bankruptcy entails paying off some of your debts to have the remainder forgiven. It is necessary to recognize that while bankruptcy is a chance to begin again, it most definitely impacts your credit scores and future ability to use money. Insolvency is a legal procedure developed to put a stop to collection phone calls and wipe out financial obligation completely.\nYour bank card firm will certainly choose whether you can keep your charge card after your bankruptcy. If you haven't done so at this moment, this might be where you recognize you need to locate an insolvency attorney Legal guidance is not a requirement for individuals declaring either Phase 7 or Chapter 13 personal bankruptcy, but you are taking a severe risk if you choose to represent on your own.\nFiling bankruptcy might enable you to obtain a fresh financial start. A lot of individuals that declare bankruptcy select either a Phase 7 or Phase 13 situation. Your co-signer still might be legitimately bound to pay all or part of your funding when you state insolvency. Still, as a result of the long-lasting results of insolvency, some specialists believe it's most advantageous when you have more than $15,000 in debts.\nChapter 7 personal bankruptcy is a court process that is designed to erase charge card financial debt, medical debt, and various other kinds of unsecured financial obligations for individuals who could not manage to repay them. For a detailed discussion of non-bankruptcy options, take a look at Solve Your Cash Difficulties: Financial Obligation, Credit Rating & Personal Bankruptcy, by Robin Leonard and Margaret Reiter (Nolo).\nThe possibility of a debtor declare bankruptcy will motivate some financial institutions to agree to reduce the regular monthly repayment, develop a long-term payment strategy, or decrease the interest rate or the financial debt. For one thing, you might not recognize federal or state bankruptcy legislations or know which regulations relate to your instance, specifically concerning exactly what debts could or cannot be released.\nDeclare personal bankruptcy is a legal process that either lowers, reorganizes or removes your debts. Lenders might intend to avoid a debtor going into insolvency, computing that a personal bankruptcy filing will certainly minimize the quantity of the debt that will be paid back to them. Lawyers from our network could clarify which kind of insolvency will finest secure your possessions while erasing the largest amount of financial debt, so you'll understand you're choosing the appropriate course for you.\nNo. It's a great suggestion to do so if you can pay your bills when they're due. Nevertheless, if your debts are considerably greater than your possessions and revenue, insolvency may be your finest option. Furthermore, private borrowers that have normal earnings might seek an adjustment of debts under chapter 13 of the Bankruptcy Code A certain advantage of phase 13 is that it supplies private borrowers with a possibility to conserve their homes from repossession by allowing them to \"catch up\" unpaid settlements through a payment plan.\n12801 Darby Brook Ct #201\nWoodbridge, VA 22192\nFisher Nathan A\n3977 Chain Bridge Rd Suite 2\nFairfax, VA 22030\n6 Factors And Also 5 Ways To Prevent Filing Personal Bankruptcy\nDepending upon the type, or \"phase,\" of insolvency, debts are discriminated. Participating in a credit score or financial debt therapy firm's financial debt administration program is a bit like declare Phase 13 personal bankruptcy. Insolvency brings some considerable long-term penalties because it will remain on your credit rating record for 7-10 years, however there is an excellent psychological as well as emotional lift when you're offered a clean slate as well as all your debts are eliminated.\nIf a debtor has nothing left that is important, such as residential property or revenue, another insolvency choice is just to quit paying creditors. At, legal representatives from our network examine instances as well as identify whether declare Phase 7 insolvency, Phase 13 bankruptcy, or another financial obligation monitoring method will be best.\nIn Chapter 7 liquidation\" bankruptcy, building gets marketed to pay off lenders for financial debt relief (although many people maintain most, otherwise all, of their assets). If Chapter 13 insolvency is your only insolvency option that you may have an asset that you might sell off to resolve your financial debts right away, there is a suitable possibility that.\nChapter 13 bankruptcy typically ranges from 3 5 years to discharge. Just 24,375 personal bankruptcy instances were filed by businesses in 2015. There are various other ways to handle lenders short of declaring personal bankruptcy. In 2015, personal bankruptcy filers owed $113 billion as well as had possessions of $77 billion, the majority of that being realty holdings, whose real value is debatable.\nFor more information regarding insolvency and various other debt-relief options, inquire from a local debt therapist or review the Federal Trade Payment's informational pages. The individuals as well as organisation who apply for personal bankruptcy have even more financial debts compared to cash to cover them and also don't see that altering anytime soon.\nWhen insolvency is the just various other choice for the borrower, an additional insolvency alternative is to ask creditors to concur to a payment strategy Several creditors will consent. Our fees for pre-filing Chapter 7 bankruptcy services are just one of the most affordable in the country. If some combination of mortgage financial obligation, credit card debt, clinical expenses and also trainee financings has ravaged you economically and you don't see that image altering, insolvency may be the best response.\nThough business remains to operate during insolvency procedures, the majority of the choices are made with consent from the courts. Since personal bankruptcy could have such a destructive impact on your credit rating, it's better to look for other choices prior to submitting Phase 7 or Chapter 13 insolvency. Your properties will be offered by a court-appointed insolvency trustee.\nDuring this time around, a personal bankruptcy discharge could prevent you from obtaining new credit lines and may even trigger troubles when you make an application for jobs. The majority of the people submitting insolvency were not especially affluent. Our insolvency lawyers can assist you to check out non-bankruptcy alternatives to help you locate the debt relief option that is finest for you.\nSpeaking to a bankruptcy attorney could help you familiarize your choices and understand the insolvency process. If you're thinking about submitting Chapter 7 insolvency, complete our questionaire to see if you certify. As an example, you might be able to stay clear of insolvency if you market some properties, cut back on your budget, negotiate with your creditors, as well as obtain money from family and friends.\nAllow your lenders know you are having financial difficulty and also intend to prevent insolvency. - and don't have the earnings to spend for it. There were 844,495 insolvency situations submitted in 2015, as well as 97% of them (819,760) were filed by people. If the debtor's \"present monthly income\" is more than the state median, the Personal bankruptcy Code needs application of a \"indicates examination\" to identify whether the chapter 7 declaring is presumptively abusive.\nFinding Chapter 11 Bankruptcy Option\nIf you have actually been battling to obtain from financial obligation for a very long time as well as you seem like you're running out of alternatives, there could come a time when you choose to state personal bankruptcy. Most people think about insolvency just after they seek financial debt loan consolidation or financial obligation negotiation These choices could aid you get your funds back on course as well as won't negatively affect your credit score as much as an insolvency. Borrowers should be aware that there are numerous choices to personal bankruptcy, specifically if they are considering declare Phase 7 insolvency.\nIf a debtor has absolutely nothing left that is important, such as building or earnings, an additional personal bankruptcy option is just to stop paying lenders. At, attorneys from our network establish as well as examine situations whether filing for Phase 7 insolvency, Chapter 13 insolvency, or another financial obligation management method will certainly be best.\nSole proprietorships may also be eligible for relief under phase 13 of the Personal bankruptcy Code. If you want to release your bank card financial obligation, clinical and also energy expenses, stay clear of repossession, and evaluate the viability of financial debt management strategies or financial debt negotiation strategies, you require the aid of qualified personal bankruptcy lawyers.\nDeclare bankruptcy is a legal procedure that either minimizes, restructures or eliminates your financial obligations. Creditors might want to avoid a debtor entering into bankruptcy, computing that a bankruptcy filing will certainly decrease the amount of the financial obligation that will be paid back to them. Attorneys from our network could clarify which sort of insolvency will best shield your assets while erasing the biggest amount of debt, so you'll understand you're selecting the right path for you.\nDue to the fact that you failed the means test for Chapter 7, you would certainly have to if you submit Phase 13 insolvency either to conserve a property or. You may be able to reduce out those nice-to-haves like cord or satellite landline, cell as well as television phones if you take a closer look at your budget plan. If you have to pick in between resolving a few financial debts or filing insolvency, work out the financial obligations, however do it right.\nThe Legislation Offices of Kevin Ahrenholz can assist you in submitting Chapter 7, Chapter 11, Chapter 12, and Chapter 13 insolvency. The possible silver lining with figuring out a Phase 13 is your only personal bankruptcy alternative is that you could have access to funds that could allow you to settle your financial debts swiftly. Individuals that utilized Chapter 13 personal bankruptcy, best called wage earner's bankruptcy,\" were about split in their success.\nThroughout this time, a personal bankruptcy discharge can stop you from obtaining new credit lines as well as could also cause issues when you look for jobs. Most of the people submitting insolvency were not particularly wealthy. Our personal bankruptcy attorneys can assist you to explore non-bankruptcy options in order to help you locate the financial obligation relief remedy that is finest for you.\nTo get more information about bankruptcy and also various other debt-relief options, seek advice from a neighborhood credit scores therapist or review the Federal Trade Compensation's informational pages. The people and company who apply for bankruptcy have far more financial obligations than money to cover them and also don't see that changing anytime quickly.\nIf one of these insolvency choices conserves your credit, it's much better to take it, also if it will certainly take a little bit longer or cost a little bit more to get rid of your financial obligation. This is a much better option for the creditor compared to if the debtor has the financial obligation released in Phase 7 insolvency or positioned in a court-approved repayment plan in a Phase 13 insolvency.\nIn Chapter 13 consolidation\" insolvency, you reach keep all of your home or business, but you pay into a three- to five-year payment strategy. Nevertheless, insolvency is still pricey, and therefore, we provide 9 different layaway plan alternatives that will fit most budget plans. Because of this, before determining if insolvency is your best course of action, it's a good idea to compare all options you need to obtain debt alleviation without personal bankruptcy.\nWhen Consumer Bankruptcy Isn't The Very Best Financial Obligation Option\nLearn how Chapter 11 insolvency works, whether you could pass the eligibility \"indicates test,\" just what occurs to your residence as well as cars and truck in Chapter 7, which financial obligations will be released by Chapter 7 personal bankruptcy, as well as extra. A Chapter 13 personal bankruptcy includes paying back some of your financial debts to have actually the rest forgiven. It is necessary to recognize that while insolvency is a possibility to start over, it most definitely affects your credit rating and future capability to make use of money. Insolvency is a legal process developed to put a stop to collection telephone calls and also erase financial debt forever.\nThe possibility of a debtor declare bankruptcy will certainly encourage some financial institutions to agree to decrease the monthly payment, create a long-lasting payment strategy, or reduce the interest rate or the financial obligation. For one point, you may not comprehend federal or state bankruptcy laws or be aware which regulations apply to your situation, especially Bankruptcy Lawyer concerning just what debts can or can not be discharged.\nWe have the capability to help you with credit history counseling decisions and also can help you purge your financial debt lots via insolvency. Explore alternatives to Phase 7 or Phase 13 insolvency before you submit. Phase 11 is typically referred to as reorganization insolvency\" due to the fact that it gives services a possibility to stay open while they restructure business' debts and assets so it can pay back lenders.\nIf you are battling to repay delinquent financial debts as well as being bugged by debt collection agency, a bankruptcy attorney could assist. Nonetheless, it could be possible to convert your chapter 13 right into a chapter 7 personal bankruptcy, if you are unsuccessful. Your insolvency attorney could aid you avoid repossession, stop vehicle repossession, get rid of medical costs, and discharge bank card financial obligation.\nSuch borrowers should consider submitting an application under chapter 11 of the Insolvency Code Under phase 11, the debtor does not prevent personal bankruptcy yet may seek a change of debts. As well as, if you do, you may be able to generate an end result that could be a lot more beneficial compared to a Phase 13 bankruptcy. We know that filing for bankruptcy can appear like a difficult process when you're overwhelmed with debt-- specifically if you're dealing with a wage garnishment, a pending suit, or a house repossession.\nFiling bankruptcy can permit you to obtain a fresh financial begin. The majority of individuals who apply for bankruptcy pick either a Chapter 7 or Chapter 13 situation. When you state bankruptcy, your co-signer still might be legally bound to pay all or component of your financing. Still, as a result of the long-term results of personal bankruptcy, some specialists think it's most advantageous when you have greater than $15,000 in the red.\nYour credit card firm will certainly determine whether you can keep your credit card after your bankruptcy. If you haven't done so at this point, this may be where you realize you have to discover a bankruptcy attorney Legal advice is not a need for individuals applying for either Phase 7 or Phase 13 personal bankruptcy, however you are taking a serious threat if you prefer to represent on your own.\nThe brand-new bankruptcy legislation requires credit report counseling before insolvency filings anyway so it deserves it to strongly think about credit rating counseling as a personal bankruptcy option. The American Bankruptcy Institute (ABI) did a research study of PACER stats (public court documents) from 2016 and discovered that 95.5% of the 499,909 Chapter 7 personal bankruptcy instances chose that year were discharged, implying the individual was not legitimately required to pay the financial obligation.\nFor more information regarding bankruptcy and also other debt-relief alternatives, seek advice from a neighborhood credit score counselor or review the Federal Profession Commission's educational pages. The individuals and organisation who apply for bankruptcy have much more financial obligations compared to cash to cover them and don't see that changing anytime quickly.\nThroughout this time, a personal bankruptcy discharge might stop you from acquiring brand-new credit lines and also might even cause issues when you look for tasks. A lot of the people filing insolvency were not specifically rich. Our insolvency attorneys could assist you to discover non-bankruptcy choices in order to help you locate the debt alleviation solution that is ideal for you.\nConsumer Bankruptcy Options And Also How It Influences Your Mortgage\nInsolvency is a last resource for people and services, consisting of Gawker Media, the firm that owns this site. The Regulation Workplaces of Kevin Ahrenholz can help you in submitting Chapter 7, Chapter 11, Phase 12, and Phase 13 insolvency. The possible positive side with learning a Phase 13 is your only bankruptcy alternative is that you might have access to funds that may allow you to resolve your financial obligations quickly. Individuals who made use of Chapter 13 insolvency, best known as wage earner's bankruptcy,\" had to do with split in their success.\nIn Phase 13 consolidation\" insolvency, you reach maintain all of your home, however you pay into a 3- to five-year settlement plan. However, insolvency is still expensive, as well as therefore, we provide nine different layaway plan options that will certainly fit most budget plans. Because of this, before identifying if insolvency is your finest strategy, it's wise to compare all alternatives you need to obtain debt relief without insolvency.\nYou would have to if you submit Chapter 11 personal bankruptcy either to save an asset or due to the fact that you stopped working the means test for Chapter 7. You could be able to cut out those nice-to-haves like cable television or satellite television, landline and cell phones if you take a closer appearance at your spending plan. If you need to choose between resolving a few financial obligations or submitting bankruptcy, work out the financial debts, but do it right.\nIt is not always feasible to prevent insolvency, however it makes sense to tire all choices to personal bankruptcy before applying for Chapter 7, Phase 13, or Chapter 11. This might appear a bit complex, so why refrain from doing it right the very first time? LegalZoom can connect you with a bankruptcy attorney that will aid you identify which kind of insolvency is best for you, prepare and file the essential files, as well as encourage you throughout the bankruptcy procedure.\nSole proprietorships might additionally be eligible for relief under phase 13 of the Personal bankruptcy Code. If you intend to release your charge card financial obligation, medical and energy costs, prevent foreclosure, and also examine the viability of debt management plans or financial debt negotiation strategies, you require the support of qualified bankruptcy lawyers.\nSuch borrowers must think about filing a petition under chapter 11 of the Bankruptcy Code Under chapter 11, the borrower does not stay clear of bankruptcy yet could seek a modification of financial debts. And also, if you do, you may have the ability to generate an end result that can be a lot more beneficial than a Chapter 13 personal bankruptcy. We know that declare personal bankruptcy could look like a difficult procedure when you're overwhelmed with debt-- specifically if you're handling a wage garnishment, a pending legal action, or a home foreclosure.\nDeclare bankruptcy is a lawful process that either lowers, reorganizes or eliminates your financial obligations. Financial institutions may intend to prevent a borrower entering into insolvency, calculating that a bankruptcy filing will certainly lower the quantity of the financial obligation that will certainly be paid back to them. Lawyers from our network could describe which kind of insolvency will best secure your possessions while erasing the largest amount of debt, so you'll recognize you're selecting the right course for you.\nThere is one significant negative aspect to filing for personal bankruptcy, however: an insolvency will remain on a debtor's credit scores document for up to ten years. When taking into consideration debt settlement vs Chapter 13 insolvency it is necessary you comprehend that there are two methods to implement financial obligation negotiation.\nThe possibility of a borrower declare consumer bankruptcy will motivate some lenders to consent to decrease the monthly settlement, develop a long-term settlement plan, or minimize the rates of interest or the financial obligation. For something, you might not understand government or state bankruptcy laws or know which regulations apply to your situation, particularly regarding just what debts could or can't be released.\nParticipating in a credit score or financial obligation therapy agency's financial obligation administration program is a bit like filing for Chapter 13 insolvency. Insolvency brings some significant long-term fines since it will certainly continue to be on your credit score record for 7-10 years, yet there is a terrific mental and psychological lift when you're offered a new beginning and also all your debts are removed.\nWhen To File Phase 7 Or Chapter 13 Bankruptcy\nLearn if Chapter 13 Bankruptcy is a far better option for you compared to Phase 7 bankruptcy. Insolvency continues to be on your credit rating report for 7-10 years, relying on which phase of personal bankruptcy you submit under. If it is going to take more than five years for you to repay all your financial obligations, it may be time to state insolvency. Phase 13 personal bankruptcies comprise about 30 percent of non-business bankruptcy filings. Declaring Personal Bankruptcy with a court is the very first step.\nOur skilled group of Personal Bankruptcy attorneys give calculated legal counsel to assist develop the most effective financial debt management plan. If their financial obligations do not exceed a particular amount, people could only file for insolvency under Chapter 13. Yet working with a debt or financial obligation therapy agency has one advantage: No bankruptcy will certainly appear on your credit rating record.\nThe Law Offices of Kevin Ahrenholz could help you in filing Phase 7, Phase 11, Phase 12, and Chapter 13 personal bankruptcy. The possible positive side with figuring out a Chapter 13 is your only personal bankruptcy choice is that you could have access to funds that may permit you to settle your debts swiftly. Individuals who used Chapter 13 personal bankruptcy, best known as breadwinner's Reorganization,\" had to do with split in their success.\nChapter 7 Personal Bankruptcy is a court process that is created to erase credit card financial obligation, medical debt, and various other types of unsafe financial obligations for individuals that could no more afford to settle them. For an extensive conversation of non-bankruptcy alternatives, have a look at Solve Your Money Troubles: Financial Obligation, Credit & Bankruptcy, by Robin Leonard as well as Margaret Reiter (Nolo).\nParticipating in a credit history or financial debt therapy firm's financial obligation management program is a little bit like declare Chapter 13 insolvency.Bankruptcy lugs some substantial long-term charges due to the fact that it will certainly continue to be on your credit history record for 7-10 years, but there is a terrific mental and also psychological lift when you're given a clean slate and also all your debts are gotten rid of.\nWhile bankruptcy could offer alleviation as well as a clean slate from a lot of financial debts, it is likewise taken into consideration the \"financial obligation option of last hope\". Our law office has actually been practicing regulation over 90 years, as well as our bankruptcy group has decades of combined experience assisting people face the monetary trials of life. Your credit scores report may not withstand dramatically a lot more damage, particularly if you regularly pay your bills after proclaiming insolvency.\nIf a debtor has nothing left that is important, such as residential property or earnings, another bankruptcy option is just to quit paying creditors. At, lawyers from our network establish and also evaluate situations whether filing for Chapter 7 insolvency, Phase 13 bankruptcy, or another financial debt monitoring approach will be best.\nSpeaking to an insolvency attorney can aid you familiarize your alternatives as well as understand the insolvency procedure. If you're thinking about filing Chapter 7 bankruptcy, total our questionaire to see if you qualify. For instance, you might have the ability to stay clear of bankruptcy if you offer some possessions, cut down on your budget plan, negotiate with your financial institutions, as well as borrow loan from friends and family.\nThough business remains to operate throughout personal bankruptcy proceedings, the majority of the decisions are made with consent from the courts. Since personal bankruptcy could have such a terrible effect on your credit history, it's much better to seek other options before filing Phase 7 or Phase 13 bankruptcy. Your possessions will certainly be sold by a court-appointed personal bankruptcy trustee.\nThere are several sorts of bankruptcy for which people or married couples can file, one of the most common being Phase 7 and Phase 13. Chapter 7 personal bankruptcy is an opportunity to get a court judgment that launches you from duty for settling financial obligations. Within one company day of when you call or email our office, you will receive contact from our office supplying to set up a totally free, same-day bankruptcy eligibility analysis where check we examine whether you are qualified for bankruptcy, and if so, what phase of bankruptcy is finest matched for you.\nAlternatives To Consumer Bankruptcy\nThe federal government requires all prospective filers to undergo credit score counseling before proclaiming Personal Bankruptcy. Allow your lenders recognize you are having financial difficulty as well as wish to stay clear of Reorganization. - as well as do not have the revenue to pay for it. There were 844,495 bankruptcy cases submitted in 2015, and 97% of them (819,760) were submitted by individuals. If the debtor's \"current regular monthly earnings\" is more than the state median, the Bankruptcy Code requires application of a \"means test\" to determine whether the phase 7 declaring is presumptively abusive.\nWe have the ability to assist you with credit report counseling decisions and can assist you purge your debt load via insolvency. Explore options to Phase 7 or Phase 13 personal bankruptcy prior to you submit. Phase 11 is usually described as reconstruction personal bankruptcy\" because it offers businesses an opportunity to stay open while they reorganize business' financial obligations and also possessions so it could repay creditors.\nFiling Bankruptcy could enable you to obtain a fresh economic start. Many individuals that apply for bankruptcy select either a Phase 7 or Chapter 13 instance. Your co-signer still may be lawfully bound to pay all or component of your finance when you declare Liquidation. Still, due to the long-term impacts of personal bankruptcy, some experts believe it's most helpful when you have more than $15,000 in the red.\nWhile bankruptcy can provide alleviation and also a clean slate from many debts, it is likewise taken into consideration the \"financial debt alternative of last resort\". Our law practice has actually been exercising law over 90 years, and our bankruptcy group has years of combined experience assisting people encounter the economic trials of life. Your credit rating report might not sustain substantially more damages, particularly if you regularly pay your costs after declaring personal bankruptcy.\nThe new insolvency regulation calls for credit counseling before personal bankruptcy filings anyway so it deserves it to highly consider credit counseling as a bankruptcy option. The American Bankruptcy Institute (ABI) did a research of PACER statistics (public court records) from 2016 and also discovered that 95.5% of the 499,909 Phase 7 insolvency situations made a decision that year were released, indicating the individual was no more lawfully needed to pay the financial debt.\nAnother insolvency alternative is to ask financial institutions to accept a payment strategy Many creditors will consent when bankruptcy is the only various other option for the borrower. Our fees for pre-filing Chapter 7 insolvency services are one of the lowest in the country. If some mix of home mortgage debt, credit card debt, clinical costs and student car loans has actually ravaged you monetarily as well as you don't see that picture altering, bankruptcy may be the most effective answer.\nOur skilled team of personal bankruptcy attorneys give critical legal advise to assist develop the most effective financial debt administration plan. If their debts do not exceed a particular quantity, people could only submit for bankruptcy under Phase 13. But dealing with a credit report or debt counseling agency has one benefit: No personal bankruptcy will appear on your credit report document.\nTaking part in a credit score or financial debt therapy firm's financial debt monitoring program is a bit like filing for Chapter 13 insolvency. Personal bankruptcy brings some substantial long-term charges because it will remain on your credit scores report for 7-10 years, but there is a terrific mental and also emotional lift when you're provided a new beginning and also all your financial debts are gotten rid of.\nThough business continues to run during personal bankruptcy proceedings, a lot of the decisions are made with approval from the courts. Since bankruptcy can have such a destructive result on your credit score, it's far better to look for various other options prior to filing Phase 7 or Phase 13 bankruptcy. Your properties will certainly be sold by a court-appointed bankruptcy trustee.\nInsolvency is a lawful life line for individuals sinking in the red. Whether you're taking into consideration Chapter 7 bankruptcy, Chapter 11 personal bankruptcy, or Chapter 13 bankruptcy, the guidance of a knowledgeable bankruptcy attorney is advised. Debtors ought to likewise be aware that out-of-court arrangements with try this website lenders or debt therapy services could offer an alternative to a personal bankruptcy declaring.\nEmergency Bankruptcy Attorney Crow Agency MT - Call 877-541-9307", "domain": "economics"}
+{"url": "https://tkguru.com/geographical-locations-influence-on-adsense-cpc-rates/", "date": "2024-04-20T19:27:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817674.12/warc/CC-MAIN-20240420184033-20240420214033-00161.warc.gz", "language_score": 0.8967309594154358, "token_count": 1747, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__37011906", "lang": "en", "text": "Geographical Location’s Influence on AdSense CPC Rates – Google AdSense is a widely used monetization program that allows website owners and publishers to earn revenue by displaying targeted ads on their websites.\nAdSense operates on a pay-per-click (PPC) model, where publishers earn money whenever a user clicks on an ad displayed on their site. The amount earned per click is known as the Cost Per Click (CPC) rate.\nUnderstanding the factors that influence CPC rates is essential for publishers aiming to maximize their AdSense earnings. One such significant factor is the geographical location of the website’s audience.\nIn this article, we will delve into how geographical location can impact AdSense CPC rates, explore the underlying reasons for these variations, and provide strategies to optimize revenue based on regional trends.\nFactors Behind Geographical CPC Variations: Geographical location plays a pivotal role in determining AdSense CPC rates. Several key factors contribute to these variations:\n- Supply and Demand Dynamics: Advertisers bid for ad placements based on the relevance of their ads to the target audience. In regions with high demand and limited ad inventory, competition among advertisers drives up CPC rates. Conversely, in regions with lower advertiser demand, CPC rates may be lower.\n- Local Economies and Industries: The economic prosperity of a region influences the purchasing power of its residents. In affluent regions, users are more likely to make high-value transactions, attracting advertisers willing to bid more for clicks. Additionally, industries prevalent in a specific region may impact CPC rates. For example, finance-related keywords might have higher CPC rates in financial hubs.\n- Cultural and Linguistic Differences: Cultural nuances and language impact keyword relevance and user behavior. Advertisers are willing to pay more for ads that resonate with the local culture and language, affecting CPC rates. For instance, keywords related to healthcare might have higher CPC rates in regions with higher healthcare awareness.\nKey Regional Trends: Geographical CPC rate variations are not uniform and can vary significantly based on regions:\n- North America: Known for its competitive market, North America generally sees higher CPC rates due to robust advertiser demand and a well-developed e-commerce landscape.\n- Europe: Europe showcases diversity in CPC rates, with Western European countries experiencing higher rates compared to some Eastern European countries.\n- Asia: While Asia has vast potential due to its large population, CPC rates can vary widely. Developed countries like Japan and South Korea typically have higher CPC rates, while developing countries may have lower rates due to a growing digital market.\n- Africa and Latin America: These regions tend to have lower CPC rates due to factors like limited advertiser demand and lower purchasing power.\nUnderstanding these regional trends is crucial for website owners aiming to optimize their AdSense revenue.\nIn the subsequent sections, we will explore case studies, strategies, and tools for maximizing CPC rates based on geographical location.\nCase Studies: To provide a deeper understanding of how geographical location impacts AdSense CPC rates, let’s delve into a few case studies that highlight real-world scenarios.\nCase Study 1: International Travel Blog A travel blog that covers destinations worldwide noticed significant variations in CPC rates based on the countries its audience originated from.\nThe blog found that CPC rates were notably higher for users from North America and Western Europe, where travel-related keywords attracted competitive bids.\nIn contrast, CPC rates were lower for users from countries in Southeast Asia and parts of Africa.\nTo maximize revenue, the blog strategically optimized content to cater to users from high-CPC regions and utilized geolocation targeting to display ads tailored to specific audiences.\nCase Study 2: Educational Resource Website An educational website offering resources for students experienced fluctuating CPC rates across different countries.\nThe website observed that CPC rates were consistently higher for users from countries with a strong emphasis on education, such as the United States, Canada, and some European nations.\nBy identifying keywords related to exam preparation and academic resources, the website optimized its content to attract users from these regions and witnessed an increase in CPC rates.\nCase Study 3: E-Commerce Store An e-commerce store selling handmade crafts noticed varying CPC rates when targeting different regions for its Google AdSense campaigns.\nThe store identified that users from developed countries with higher disposable incomes were more likely to make purchases, resulting in higher conversion rates and CPC rates.\nBy tailoring its ad campaigns to specific regions and promoting products with higher profit margins, the store optimized its CPC rates and generated better revenue.\nStrategies for Optimizing Geographical CPC Rates: Understanding the influence of geographical location on CPC rates can help publishers implement effective strategies to maximize revenue:\n- Geolocation Targeting: Use geolocation tools to identify the geographical location of your website visitors. Tailor ad content and formats based on the preferences and behaviors of users from specific regions.\n- Keyword Research: Conduct thorough keyword research to identify high-value keywords relevant to the regions you target. Use tools like Google Keyword Planner to find keywords with higher CPC rates.\n- Localized Content: Create content that resonates with the cultural preferences and language of users in different regions. Address region-specific interests and concerns to increase user engagement.\n- Ad Placement and Format: Experiment with different ad placements and formats based on user behavior in specific regions. For instance, mobile users in certain regions might respond better to certain ad formats.\n- A/B Testing: Implement A/B testing to compare the performance of different ad variations in specific regions. Optimize ad elements such as colors, text, and images for maximum impact.\n- Regional Landing Pages: If feasible, create region-specific landing pages for ad traffic originating from different locations. This can enhance user experience and increase the likelihood of conversions.\nConclusion: Geographical location is a pivotal factor influencing AdSense CPC rates. By recognizing the impact of regional variations and employing tailored strategies, publishers can optimize their AdSense revenue.\nUnderstanding the dynamics of supply and demand, local economies, and cultural nuances enables website owners to make informed decisions that lead to higher CPC rates and increased earnings.\nAs the digital landscape continues to evolve, adapting to these regional trends becomes essential for maximizing revenue potential.\nGeographical Location’s Influence on AdSense CPC Rates FAQs\nHow does geographical location impact AdSense CPC rates?\nGeographical location plays a significant role in AdSense CPC (Cost Per Click) rates.\nAdvertisers bid differently based on the target audience's location, affecting the value of clicks.\nAre CPC rates higher in certain countries compared to others?\nYes, CPC rates can vary significantly by country.\nGenerally, advertisers in countries with strong economies and high consumer purchasing power tend to bid more for ads, resulting in higher CPC rates.\nWhich countries often have higher AdSense CPC rates?\nCountries with high CPC rates include the United States, Canada, Australia, the United Kingdom, and some Western European countries due to their robust economies and competitive ad markets.\nCan I target specific countries to maximize AdSense earnings?\nYes, targeting countries with higher CPC rates can potentially increase AdSense earnings.\nHowever, it's essential to align your content with the interests and preferences of users in those countries.\nHow can I determine the CPC rates for different geographical locations?\nYou can use keyword research tools or consult AdSense reporting to understand the average CPC rates for specific countries. Keep in mind that rates can fluctuate based on industry trends.\nGeographical location is a key factor in AdSense CPC rates. Advertisers bid differently based on countries, leading to varying CPC rates.\nConsider targeting countries with higher CPC rates, but ensure your content resonates with the audience to maximize both ad revenue and user engagement.\n- 9 Proven Ways to Increase Page CTR by 50%\n- 9 Proven Ways to Increase Page RPM by 50%\n- A Detailed Guide to CPC, CPA, CTR, CPM, RPM\n- Top 10 High CPC Countries: Maximizing Ad Revenue in Lucrative Markets\ngoogle ads cpc by country, average cost per click by country 2023, facebook ads cpc by country, low cpc countries google ads, high cpc country adsense, low cpc countries facebook ads, us cpc rate youtube, top 10 high cpc countries", "domain": "economics"}
+{"url": "https://boom.eclicklending.com/GetCashFromYourHome.html", "date": "2019-06-17T02:47:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627998369.29/warc/CC-MAIN-20190617022938-20190617044938-00387.warc.gz", "language_score": 0.9413058161735535, "token_count": 291, "dump": "CC-MAIN-2019-26", "global_id": "webtext-fineweb__CC-MAIN-2019-26__0__130527235", "lang": "en", "text": "With a cash-out refinance, you refinance your mortgage for more than you currently owe. You take the difference in cash from your new loan and your new mortgage balance will be greater than your current mortgage.\nMost of our customers who choose a cash-out refinance turn their home’s equity into money they can use however they want. It helps our customers achieve certain financial or life goals such as home renovations, paying off auto loans, major purchases, health care expenses, investments, life events, vacations, or home improvements. Cash-out refinances can also be a cash flow strategy when rates are low and markets are bull or bear.\nTo turn equity into cash our experts determine what you owe, what your home's value is, and the difference between those two figures.\nIf your home's value is: $800,000\nAnd your balance is: $300,000\nThen your equity is: $500,000\nIn the example above you can receive an allocation of the $500,000 in cash. And you can use that cash however you like.\nHome equity loans are second mortgages that can be more risky and have a higher-interest rate. A cash-out refinance can help prevent overextending your credit utilization and pay less in interest while mortgage rates are at historical lows.\nGet your free credit report and complete your application all online.\nConnect with a refinance expert.", "domain": "economics"}
+{"url": "https://dsmedia.com.sg/global-investor-programme-gip-for-foreign-individuals-who-wish-to-set-up-and-operate-a-business-in-singapore/", "date": "2019-10-14T10:48:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986653216.3/warc/CC-MAIN-20191014101303-20191014124303-00317.warc.gz", "language_score": 0.8277025818824768, "token_count": 191, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__209664083", "lang": "en", "text": "As an investor who is interested to start up a business or invest in Singapore, you may apply for the Singapore Permanent Residence status (PR) through the Global Investor Programme (GIP).\nUnder GIP, you can choose one of the following investment options:\nOption A: Invest at least S$2.5 million in a new business entity or to expand an existing business operation.\nOption B: Invest at least S$2.5 million in a GIP fund that invests in Singapore based companies.\nELIGIBILITY FOR GIP APPLICATION\nYou are eligible to apply for PR under the GIP if you have:\n(a) A substantial business track record; and\n(b) A successful entrepreneurial background.\nFor more details\nShould you have further questions, please contact:\n250 North Bridge Road #28-00 Raffles City Tower Singapore 179101\nTel: (65) 6832 6832", "domain": "economics"}
+{"url": "http://extractorman.com/?page_id=18", "date": "2022-06-25T17:29:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103036077.8/warc/CC-MAIN-20220625160220-20220625190220-00451.warc.gz", "language_score": 0.9525711536407471, "token_count": 266, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__108089834", "lang": "en", "text": "Ascott Cooper was registered as an investment company to invest in Property and other assets, the company was setup by Alan Hodgkinson and Lizelle Cooper.\nAscott Cooper took over the operation of Extractor Man and has registered the Company with Department of Labour for UIF and Workmen s Compensation we also have Public Liability and insurance covering all aspects of our daily operation.\nWe are a SANS (South African National Standards) registered and a BEE Level 4 company and all our documents are available on request including TAX Certificates.\nPlease feel free to request any of the following documents:\n- BEE Status Certificate\n- SARS Letter of Good Standing\n- Public Liability\n- Workmen Compensation Fund\n- VAT Registration\nWe have been servicing the Hospitality industry for more than 30 years and have a very extensive customer base that includes all the major companies in the industry.\nBecause we are SANS registered our customers are guaranteed a valid service certificate that is recognized by the insurance industry.\nWe have developed and now manufacture a UV Light Duct system that has substantial benefits to Extractor Systems with regards to health and safety and the performance of the equipment.\nWe also offer a complete Engineered fire suppression system for Commercial Kitchens and other areas at risk for grease based fires.", "domain": "economics"}
+{"url": "http://www.dogmovers.com.au/bookings/Payment%20Options.html", "date": "2013-06-20T04:25:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368710274484/warc/CC-MAIN-20130516131754-00007-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9200805425643921, "token_count": 579, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__19465176", "lang": "en", "text": "Call our Customer Service team on\n(07) 5530 2710\nor Email us at\nInternet Puppy scams\nWe are aware that our logo and name (along with those of other companies) have been used in a puppy delivery scam. People are being asked for money for the transport of dogs as well as vaccination costs etc prior to the delivery of dogs they have been promised over the internet. How do you tell the real thing?\nWe have a number of convenient options to make it simple for you to pay for your pet transport fees. The primary payment methods accepted are credit card, direct bank transfer or cash when your pet is collected. (cheques will not be accepted)\nThe available options will be discussed with you when your booking is confirmed and if necessary an email or SMS will be sent to you with any details you may need to complete a Credit card or bank transfer payment. For your convenience those details are also shown below.\nCredit Card Payments\nCredit card payments will require you to make the payment online using PayPal.\nPayment via paypal is more secure for you because it does not require us to collect or record any personal or credit card details on your behalf. Additionally you will receive confirmation by email of the payment details.\nPaypal credit card payments do not require you to have a paypal account and there are no additional fees charged.\nIf you do have a paypal account you may also use this option to pay by bank transfer or using your paypal balance if you wish.\nDirect bank Transfer Payments\nTo pay directly from your cheque or savings account log onto your internet banking site and make your payment to the following account.\nAcc Name: Dogmovers\nA/C No: 100 725 94\nPlease note that Bank\ntransfers can take up to 48 hours from your bank to ours and the payment\nmust be able to be checked by us online prior to us picking up your pet.\nIf the timeframe is too short we recommend simply paying cash to the\ndriver when the pet is collected to save any confusion.\nCash deposits at a Bank Branch\nIn some instances it may be necessary for cash to be deposited directly to the bank. This happens often when the person paying is a third party (neither dropping off or collecting the pet from us) or does not have access to internet banking or a credit card. In this case the funds can be deposited directly to our Commonwealth bank account. The details are as follows.\nAcc Name: Dogmovers\n100 725 94\nPlease ensure your payment is in our account before the\nPlease use your surname as a reference to enable us to correctly record\nyour payment against your invoice\nPlease contact us by email or phone if you have any problems with the above or require any further information.\nPhone: (07) 5530 2710", "domain": "economics"}
+{"url": "http://www.mordheimer.com/hired_swords/hired_swords.htm", "date": "2013-05-24T05:55:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368704234586/warc/CC-MAIN-20130516113714-00024-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9531503915786743, "token_count": 433, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__70529016", "lang": "en", "text": "Hired Swords are professional mercenaries that warbands may hire to join them\nin their quest into The City of the Damned, Mordheim. Taverns in the settlements\nand shanty towns around Mordheim are good recruitment centers for warriors who\ndo not belong to any particular warband or retinue, but instead hire out their\nservices to the highest bidder.\nA player can recruit Hired Swords when he creates his warband, or during the\ncampaign phase after a game. Hired Swords do not count towards the maximum\nnumber of warriors or Heroes a warband may have on its roster and donít affect\nyour income from selling wyrdstone. However, Hired Swords do count as part of\nthe warband for purposes of Rout tests, etc whilst in battle. A player cannot\nbuy extra weapons or equipment for a Hired Sword, and he cannot sell the Hired\nSwordís weapons or equipment. To reflect their rarity, you can only have one of\neach type of Hired Sword in your warband. You may not use the Leadership of any\nof the Hired Swords for Rout tests.\nWhen a warband recruits a Hired Sword, you must pay his hire fee.\nSubsequently, after each battle he fights, including the first, you must pay his\nupkeep fee if you want him to remain with the warband. If the Hired Sword is\nkilled, or you no longer require his services, you donít have to pay any upkeep!\nThese costs are indicated in the entries for each Hired Sword. The money paid to\nHired Swords comes from the warbandís treasury in the same way as buying new\nweapons or recruiting new warriors. If you donít have enough gold to pay for the\nHired Sword, or want to spend it on other things, he leaves the warband. Any\nexperience he has gained will be lost, even if you hire a new Henchman of the\nThe following is a list of the Official Hired Swords. For further details,\nstats and comments follow each link.", "domain": "economics"}
+{"url": "https://retailsmarter.com/2023-wbenc-national-conference/", "date": "2024-04-17T15:35:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817158.8/warc/CC-MAIN-20240417142102-20240417172102-00351.warc.gz", "language_score": 0.943670928478241, "token_count": 771, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__45683299", "lang": "en", "text": "As a certified woman-owned business, Retail Smarter regularly attends the annual WBENC National Conference — the largest event of its kind for women business owners and corporate executives. WBENC is rightfully proud of the conference, which boasts some impressive stats:\nThe “WBENC Meet & Greet” included more than 1,200 Women Business Enterprises (WBEs) connecting with 200+ corporations in a series of 25-minute sessions with companies chosen by the WBE. We were honored to connect with major retailers, like Target, Home Depot, Walmart, and others — and to showcase Latina-owned Rivera’s Salsa with a special product display!\nWhy we support the WBENC\nWe love supporting organizations like WBENC because of the genuine support of women and diverse owned businesses, including year-round education, networking, and resources designed to help WBEs achieve excellence in operations and best business practices. That mission aligns perfectly with the Retail Smarter passion for helping brands succeed at retail.\nWe’re grateful for the many retailers that support WBENC and women owned businesses. But we understand that taking a risk with new products or new brands is risky, despite the best of intentions. So, we help our clients polish their brand messaging, enhance their CPG packaging, fine tune their retail sales presentations, and optimize their supply chain so that retailers will be confident the brand can succeed — from the very first meeting.\nHow to become a WBENC-certified WBE\nIf you qualify, we recommend getting WBENC certified. It’s a longer application, and there’s a detailed verification process, but the benefits are worth it — especially when presenting to major U.S. retailers, who highly value the women-owned certification.\nYou can review the eligibility requirements at WBENC.org, but here they are in a nutshell:\n- Majority (at least 51%) ownership by one or more women\n- Demonstrated proof of female management and control of business\n- Unrestricted female control of the business in legal documents and day-to-day operations\n- A woman holding the highest defined title in the company’s legal documents\n- Documented evidence of female contribution of capital and/or industry expertise\n- Status of U.S. Citizenship or Lawful Permanent Resident for woman owner(s) constituting majority ownership\nEligibility is established with required documentation. This includes things like general business information, owner eligibility, financial structure, personnel and management information, and governance information. Once gathered, you’ll submit documentation via the online application on WBENCLink2.0 and pay the application fee.\nRegional Partner Review\nWBENC will then authorize an on-site audit and review of your business by your Regional Partner Organization (RPO), which is the local affiliate of WBENC that serves your area. The RPO will check your application for completeness, review your documentation with a Certification Committee, and arrange a site visit with the woman or women owners. The review process takes approximately 90 days.\nAs a WBENC-Certified WBE, you will have access to a wide range of benefits, such as targeted business opportunities, increased visibility, education and development programs, networking and mentorship opportunities, and more. You will also need to renew your certification every year by submitting an online recertification application and paying a recertification fee.\nWe can help.\nAs a WBENC-certified business and team of retail experts, we have a lot of experience helping businesses become certified, and getting retailers to take notice. If you’d like help, let’s talk. We offer services by the hour, by the project, or month-to-month.", "domain": "economics"}
+{"url": "https://officialscheme.com/rcs-udan-scheme/", "date": "2022-06-29T03:44:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103620968.33/warc/CC-MAIN-20220629024217-20220629054217-00032.warc.gz", "language_score": 0.9429957270622253, "token_count": 1301, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__92282675", "lang": "en", "text": "The Ministry of Civil Aviation announced UDAN “ude desh ka aam nagrik” a Regional Connectivity Scheme (RCS) through National Civil Aviation Policy 2016 (NCAP). The initiative was taken to make aviation facilities more accessible, give better flying experience to passengers and improve connectivity in rural and remote areas by developing air transport infrastructure. In the first phase of the regional connectivity program, the Airports Authority of India (AAI) planned to connect 22 airports. RCS intends to connects these underdeveloped airports through flights that would cost up to Rs. 2,500. AAI planned to invest Rs. 17,500 crores till 2019-20.\nRegional Connectivity Scheme Latest Updates\n- The Ministry of Civil Aviation has set a goal of operating hundred unserved and underserved airports and launching at least 100 new air routes by the end of the year.\n- On the fourth anniversary of the UDAN scheme, the ministry of Civil Aviation observed aviation day. Government of India has recognized the contributions of the scheme by designating October 21st as UDAN day, the day on which scheme documents were initially released.\n- Under the fourth round of UDAN scheme the Civil Aviation Ministry has approved seventy-eight new routes and 766 new routes have been approved so far under the scheme.\n- The scheme has made modest progress in implementation with only half of the routes being operationalized due to second wave of pandemic which began in mid-march 2021.\n- Also the second wave of pandemic will have a greater impact on UDAN system in future, with aviation being one of the worst affected sectors.\nUdaan Scheme Objectives\n- To develop 425 underserved airports of the country.\n- To enhance the overall economy of the country through better connectivity.\n- To raise jobs through aviation industry.\n- To increase connectivity in order to stimulate growth through a multiplier effect.\nRegional Connectivity Scheme Features\n- Making Aviation accessible to common folks.\n- Facilities as subsidized price\n- Regional Connectivity\n- Increasing Job Opportunity through connectivity\n- No Terminal Navigation Landing Charges\n- Discount on other charges like route navigation, parking and many more.\n- Reduction in GST for 10 years\nPhases of Udaan Scheme\nThe aim of AAI (Airport authority of India) was to run hundreds of routes from at least 100 regional airports by the end of year 2018-19. The scheme underwent many changes of upgradation through various phases, let’s have a brief look over phase wise development in UDAN.\nOwners like Central government, State government, Private and Commercial Parties Collaborated with AAI\nThe scheme was Launched on April 27, 2017 by Prime minister Narendra Modi starting first regional flight system from Himachal Pradesh (Shimla) to Delhi. Under the first phase 5 Airlines were added given below and 128 flight roots were sanctioned to them along with 70 airports.\n- Air Odisha\n- Air Deccan\n- Turbo Mega Airways\n- Alliance Air\n- Spice Jet\n- 325 Routes were announced in the Second Phase in 2018\n- In 2018 Council imposed 5% GST, which had previously been exempted on purchase of aircraft and aircraft parts.\n- Airlines like Indigo and SpiceJet joined the scheme wherein Spicejet won 17 routes under RCS and Indigo ordered 50-70 seater aircrafts to be able to serve smaller airports.\n- 73 networks and 235 routes were identified\n- Routes connecting hilly areas like J&K, Himachal and Uttarakhand were found.\n- Tourism routes were included at phase 3 in collaboration with the Ministry of Tourism.\n- The third stage was intended to include direct lines financed by the Ministry of Development of the North Eastern Parts of India as well as thirty tourist attractions.\n- Addition of 78 flight routes and a total of 766 sanctioned routes\n- Connectivity of routes from Guwahati to Tezu, Rupsi Shillong etc.\n- Lakshadweep Island had also been connected v.i.a. new routes\n- Allowed operation of Helicopter and sea planes\n- Planned to follow short haul routes, because no monetary support will be given to airlines operating more than 600 km.\nHow To Apply For Udan Scheme?\nUDAN has collaborated with many private airlines thus for booking your ticket there are these steps:-,\nStep 1: Firstly, you can visit the company’s official website (for example – www.goindigo.com)\nStep 2: From the Menu Option Search for UDAN Scheme Bookings the website will assist you to fare costs of scheme. Through the second way you can browse any online travel agency (for example – Goibibo or Makemytrip), and avail offers and tickets for just Rs. 2500.\nWhat Are The Concessions For Operators?\n- The central government offers 2% excise on Value Added Tax and one tenth rate of service tax as well as moderate code sharing for regional connectivity scheme airports.\n- The scheme will run for ten years and would be further extended as per requirements and working\n- No landing or parking charges\n- Viability Gap funding (VGF) to cover the cost of flight\nInternational UDAN Scheme\nInternational UDAN is a follow – up to the domestic UDAN. The goal of international UDAN is to connect India’s smaller cities directly to some of the neighbouring most important foreign destinations.\n- The government hoped that providing direct air connectivity would encourage tourists to travel through smaller towns rather than metros, promoting city and state development.\n- Airlines must bid on the number of passenger seats per trip that require assistance.\n- The government provides subsidies in the form of a predetermined compensation per seat to encourage participation.\nChallenges Faced During Implementation\n- Some states during implementation were hesitant to give up tax breaks on air turbine fuel and other financial incentives which could entice other airlines to operate in underdeveloped areas of state.\n- Land scarcity for setting up airport in small regions and requirement of huge capital are two main problems faced in implementation of UDAN.\n- Airlines fear to invest in such a scheme as passenger flow would be minimal from the rural or less developed areas as compared to the investment required to make by any airlines.", "domain": "economics"}
+{"url": "http://www.wq711.com/English/news/qinzhounews/201908/t20190822_2626437.html", "date": "2019-11-22T01:59:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-47/segments/1573496671106.83/warc/CC-MAIN-20191122014756-20191122042756-00127.warc.gz", "language_score": 0.9477546811103821, "token_count": 262, "dump": "CC-MAIN-2019-47", "global_id": "webtext-fineweb__CC-MAIN-2019-47__0__27197463", "lang": "en", "text": "Posted by: Release time:2019-08-15\nRecently, Liu Renshan, Standing Committee of the CPC Qinzhou Municipal Committee and Vice Mayor met with Azlimi, Malaysian Consul General in Nanning. Liu Renshan sincerely welcomed Azlimi's visit and briefly introduced the economic and social development of Qinzhou. He said that Qinzhou, as an important node city of the \"Belt and Road\" new land and sea corridor in western China, has actively participated in the construction of the new corridor, and it has prominent advantages in ports, corridors, resources, hinterland and many other aspects. It is hoped that the Consul General will continue to promote exchanges in various fields between Malaysian local cities and Qinzhou, and promote in-depth, win-win cooperation in culture and trade between the two sides.\nAzlimi said that Qinzhou has obvious geographical advantages and Malaysia has benefited from it. He hoped that the two sides will continue their good tradition of cooperation, continue to promote the construction of “Two Countries, Twin Parks” and further expand economic and trade cooperation and cultural exchanges. During his stay in Qinzhou, Azlimi also visited the China-Malaysia Qinzhou Industrial Park and Qinzhou Free Trade Port Area on the spot.", "domain": "economics"}
+{"url": "http://northparadise.com.pk/tourism-responsibility", "date": "2019-12-15T18:30:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575541309137.92/warc/CC-MAIN-20191215173718-20191215201718-00052.warc.gz", "language_score": 0.9213958978652954, "token_count": 532, "dump": "CC-MAIN-2019-51", "global_id": "webtext-fineweb__CC-MAIN-2019-51__0__186491990", "lang": "en", "text": "What is Responsible Tourism in Pakistan?\nResponsible Tourism in Pakistan is a new way of management of tourism which aimed to mix economic, social and environment benefits and minimizing costs to destinations. Simply Responsible Tourism is tourism “which creates better places for people to live in, and better places to visit”. It approaches an aims to achieve the triple-bottom line outcomes of sustainable development which includes economic growth, environmental integrity and social justice.\nNorth Paradise Pakistan as Responsible Tour and Travel Agency:\nNorth Paradise Pakistan has grown as a fully dedicated travel professional since its launch running actively by the trained and professional personals in tourism industry to offer best out of all. North Paradise Pakistan is committed to upholding the values of eco-tourism and responsible travel.\nNorth Paradise Pakistan believed in tourism industry to make a low impact on the natural environment and local culture and helping to generate income and employment for local people. Moreover, we promote the conservation goal of local ecosystems in aspect of both ecological and cultural sensitive. Involving the local people’s participation plays major role in sustainable tourism and takes responsibility in tourism industry.\nResponsible Tourism Policy:\n1). We promote trips that are offered by local suppliers and communities.\n2). We ensure that the returns from the trips featured in our website are generated back to the host communities through services such as guide, accommodation and transportation.\n3). We ensure that local guides are being engaged to provide better interpretative experiences.\n4). We involve local communities where possible in our operations.\n5). We purchase, where possible, local products.\n1). We will actively promote and raise awareness of responsible tourism and travel practices among travellers through our website, literature and presentations.\n2). Travellers who booked through our website will receive information on the destination prior to their trips, so to understand and respect the culture and environment of the host destination.\n3). We provide our staff with regular and ongoing training, in the principles and practices of responsible tourism to ensure that the policy is put into practice.\n4). We will take into consideration economic, environmental and social issues when looking at new product and destinations.\n5). We will work together with our local partners in the host destinations to implement the responsible tourism guidelines and work out how these standards can be met.\n6). We support local projects that are related to environmental conservation and local community development.\n7). We buy souvenirs and handicrafts from local communities for our online store and corporate gifts.\nNorth Paradise Pakistan assures that we are fully dedicated to fulfill economic, environment and social responsibility in Tourism Industry.", "domain": "economics"}
+{"url": "http://gov-acq.com/2016/03/15/", "date": "2020-08-03T12:33:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439735810.18/warc/CC-MAIN-20200803111838-20200803141838-00262.warc.gz", "language_score": 0.920811116695404, "token_count": 716, "dump": "CC-MAIN-2020-34", "global_id": "webtext-fineweb__CC-MAIN-2020-34__0__7825323", "lang": "en", "text": "Cincinnati, OH – March 15, 2016 – Government Acquisitions, Inc. (GAI), a leading Federal Information Technology (IT) solutions provider and small business, today announced it has received the 2016 Splunk® Public Sector Buttercup Award for exceptional performance and commitment to Splunk’s Partner+ Program. The Buttercup award recognizes a Splunk partner that exemplifies partnership and a commitment to the Splunk Partner+ Program. This award, not given each year, is highly distinguished and symbolic of Splunk’s core company and partner values.\n“We are honored to be the recipient of the highly esteemed 2016 Splunk Public Sector Buttercup award,” said Jay Lambke, president, GAI. “Splunk is the clear market leader and therefore the cornerstone of our analytics strategy. To that end, GAI has made significant investments in the resources and products critical to the Splunk ecosystem. This award recognizes the hard work and success we have had with Splunk over the past year. We are excited to see how we can further the partnership in 2016.”\nGAI is a Splunk Elite Partner, the highest partner tier within the Splunk Partner+ Program, and is in an esteemed group of only eight companies nationwide with Elite status. GAI has four Splunk Certified Engineers on staff and 14 certifications company-wide. Splunk is a key partner in GAI’s go to market strategy for big data, cyber security, compliance, and IT operations and they continue to invest and offer solutions to complex problems facing the Government.\n“Congratulations to GAI for being named the 2016 Splunk Public Sector Buttercup award winner,” said Dave Schwartz, area vice president, global strategic alliances, Splunk. “The Partner+ Program promotes growth and allows our joint customers to achieve productivity, profitability, security and a competitive edge. The Global Partner Awards highlight outstanding partners like GAI for their commitment to customer success and their close collaboration with Splunk.”\nSplunk global partner awards reflect the top-performing partners globally within specific technology markets. All award recipients were selected by a group of Splunk executives and the global partner organization.\nGAI is a Federal IT solutions provider with more than 25 years of dedication to Federal mission success, and a performance culture to power real innovation. A mission mindset is in our DNA. We understand that success is driven by partnership, process, and technology. GAI’s experienced team members work side-by-side with Federal IT executives and industry-leading OEM partners to modernize, optimize, and deliver unparalleled mission support. To learn more, visit www.gov-acq.com or call (513) 721-8700.\nAbout Splunk Inc.\nSplunk Inc. (NASDAQ: SPLK) is the market-leading platform that powers Operational Intelligence. We pioneer innovative, disruptive solutions that make machine data accessible, usable and valuable to everyone. More than 11,000 customers in over 110 countries use Splunk software and cloud services to make business, government and education more efficient, secure and profitable. Join hundreds of thousands of passionate users by trying Splunk solutions for free: http://www.splunk.com/free-trials.\nSplunk>, Listen to Your Data, The Engine for Machine Data, Hunk, Splunk Cloud, Splunk Light, SPL and Splunk MINT are trademarks and registered trademarks of Splunk Inc. in the United States and other countries.", "domain": "economics"}
+{"url": "http://blog.longdistance-vanlines.com/compare-moving-companies-estimate-before-hiring-one-for-your-move/", "date": "2018-06-19T23:41:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267863259.12/warc/CC-MAIN-20180619232009-20180620012009-00472.warc.gz", "language_score": 0.9645988345146179, "token_count": 454, "dump": "CC-MAIN-2018-26", "global_id": "webtext-fineweb__CC-MAIN-2018-26__0__137867556", "lang": "en", "text": "Moving places is expensive as you need to hire the services of the best movers in order to enjoy a hassle free move. However, to have an estimated cost of moving you can use the moving companies estimate calculator that helps in determining the moving expenses so that you can set aside a budget for moving places. The calculator requires details like moving from location and then moving to the destination in order to calculate the moving distance and also the moving size and the packing services required to offer you an estimate on the moving costs.Some movers also require the move date as moving costs may be increased in the weekends due to high demand while discounts are offered in the week days. The estimate cost of moving may vary from company to company and hence before hiring the services of the movers you can actually check out their moving estimates to compare and find one suitable to your needs.\nThe moving companies estimates differ based on the packing services availed. If you choose none of the packing services you are responsible to pack all the goods and load them into the vehicles while the moving company takes care of the transportation services. But the catch is they are not responsible for any damages as the packing is done by you. The full moving services include the moving company’s expert team to handle all the packing and unpacking of the things bringing in their own packing supplies and also loading and unloading the goods and assembling them in the new place. This service relieves you from the moving stress or hassles and is recommended when you don’t have the experience in handling moving places.\nHowever, you should not go by cheap moving company estimates and should do some research regarding the reliability of the company to handle your move. You should check out if the moving company has a physical address and handles the move without subcontracting to the third party. You should also rely only the moving companies that take the time to physically visit your home to estimate your belongings and offer you a fixed quote without any more hidden charges. It is also better to avail the services of moving companies that are rated by BBB and registered with FMCSA for better services. You should also ensure the move is covered under the insurance by the company so that any damages to your goods shall be compensated by the moving company.", "domain": "economics"}
+{"url": "http://myprojectfree.org/executive-summary/", "date": "2019-04-18T16:30:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578517745.15/warc/CC-MAIN-20190418161426-20190418183426-00319.warc.gz", "language_score": 0.9492568969726562, "token_count": 1617, "dump": "CC-MAIN-2019-18", "global_id": "webtext-fineweb__CC-MAIN-2019-18__0__3945411", "lang": "en", "text": "Picture a Village with mixed residential, retail, entertainment and public space; a Village that attracts local residents and tourists alike because of its inviting design and appealing shops and activities. Picture a community center, an academy, excellent places to eat, meet and have fun. This is Freedom Village!\nProjectFREE will implement a new concept of supportive and community living for intellectually and developmentally disabled adults called Freedom Village that will enhance quality of life through independent living, continuing education, vocational/career development, diverse employment choices, and a safe, self-directed, social life.\nFreedom Village will include:\n1. A home ownership program\n2. A long-term lease/rental program\n3. Post – Secondary Trade School/Academy with dorms\n4. Retail space for integrated employment\n5. Conference / Resource Community Center\n6. Offices for Non – Profit Agencies\nThe residents of Freedom Village will live, work, and play in a milieu that bolsters every individual’s opportunity for a satisfying and connected life; ProjectFREE’s goal is to make these opportunities available to high functioning adults with intellectual and developmental disabilities who have the ability and the desire to be active in planning, directing, and enriching their own lives. The shops, restaurants, and entertainment centers will be self- sustaining businesses. The condos will be state of the art, affordable housing with a mix of owner and renter occupied units. Freedom Village will be on a central artery within walking distance of lively commercial districts and direct access to public transportation and the world beyond.\nProjectFREE will use a Supportive Housing Model as its basis. There is evidence to indicate that a lack of stable housing for individuals with intellectual and developmental disabilities significantly increase costly interventions in their lives by public agencies (Connecticut Department of Developmental Services). This model builds on a proven and effective means of integrating adults with intellectual and developmental disabilities into mainstream communities by combining affordable housing with services tailored to each individual’s needs. Freedom Village’s supportive, affordable, and permanent housing community will provide opportunities for occupants to have control over their lives and the support to participate in the decisions affecting their community and the larger society. Each individual’s independent living environment will be supported by a program of services including education, employment, and social integration. These services focus on identifying and building on individual strengths, skills and talents so that every person can compete in, and contribute to, their community and society at large.\nProjectFREE will offer Career Development Centers as part of its services. The goal of this innovative component is to offer both first-time job seekers and veteran employees the opportunity to choose their employment and not be placed in jobs. The National Organization on Disability based in Washington, D.C., estimates that about 54 million Americans, 19 percent of the population, have some disability. In a survey completed by this organization, only 16% of those individuals with intellectual and developmental disabilities who said they were capable of work were able to find part or full-time employment. High rates of joblessness means the American economy loses about $200 billion in taxes and earnings annually, according to the American Association of People with Disabilities in Washington, D.C.\nProjectFREE’s Innovative Career Centers takes vocational training and employment for individuals with intellectual and developmental disabilities to a new and advanced level. The mixed use of self-sustaining businesses and residences will contribute to the vibrancy of neighborhood life and further the goal of integration and independence. Freedom Village occupants will be able to: explore employment choices; develop entrepreneurial skills; and build on peer and social interactions. A unique element of Freedom Village is the opportunity for both first time employment seekers and experienced employees to explore diverse career options in a variety of skilled, wage earning positions. The development of thousands of square feet for commercial use provides the perfect setting for occupants to experience vocational training, career development, including management, and entrepreneurial skills in on-site, commercial, profit -making enterprises. Each person will then make their own career and employment choices. Specialists will help to develop goals, skills and the ability to attain satisfying, competitive employment. Freedom Village will open 40 businesses’ providing choice and a classified employment section for them. This is freedom, this is Freedom Village. No longer will they be placed in meaningless jobs and they will be paid minimum wage during training and will receive scheduled raises.\nFreedom Academy: In an ideal world, young adults spend transition, developmental time in a “cocoon” called college. This environment offers a semi-structured world of learning and fun where they feel comfortable taking risks. Freedom Academy will create this same type of environment for young intellectually and developmentally challenged individuals. The Academy will be located in Freedom Village in a freestanding structure that will include dormitory living. Students will study a core independent living curriculum and be offered the opportunity to pursue Trade Certifications as well as basic liberal arts courses. By combining education with hands on work experiences, Freedom Academy students will be able to confidently apply their knowledge in a practical manner. The use of structured support and employment training available to both the Freedom Academy students and to the Freedom Village larger community will strengthen the positive experiences of learning and work, and facilitate the attainment of employment and educational goals. The Academy will include state of the art classrooms, a resource library, and a computer laboratory to assist students in attaining their educational and vocational goals skills. Freedom Academy will individualize each student’s educational process and offer structured courses to address their ongoing academic and vocational needs. To further aid in the process of socialization, social events, such as clubs, dances, game nights and discussion groups will also be establish and open to the community at large.\nProjectFREE’s goal is to acquire property to construct Freedom Village. The building/s will be developed in a community setting comprised of one and two bedroom condominium units. Accessible housing, which will be on the second and third floors, will include condominiums owned by ProjectFREE and rented or owned by residents of Freedom Village. A percentage of the housing will be utilized to house support staff. The commercial space will span the ground floors of the development.\nProjectFREE is a 501 (c) (3) entity. It is seeking funding through both public and private sources. The principals involved in ProjectFREE are actively seeking United States Department of Housing and Urban Development (HUD) Section 811 funding; state, and local funding, as well as support from both private investors and corporate donors. The financial plan allows for three building phases which will be adapted according to the funds secured.\nThe total estimated cost of 250 supportive housing units with associated commercial and community space is twenty – five million dollars ($25,000,000.). The completed village will consist of attached three story town house style structure (s) including the 250 condominium units, fourteen of which would be section 811 HUD financed. The units will be 1 and 2 bedroom with 650 – 850 square feet of living space. Free standing structures will include Freedom Academy and a Conference Center, with an auditorium/gym, meeting/activity rooms, offices for non – profit agencies, and a kitchen.\nFreedom Village is a unique supported housing development that will offer intellectually and developmentally challenged adults who have the ability and the passion to live independently; a life that encompasses career and employment choices; a relevant continuing education curriculum that includes both academic and trade certification; and a connected integrated quality of life beyond the 9 to 5 work day.\nIt takes the critical mass of Freedom Village to provide the totality of springboard resources to launch and integrate each individual into an independent life beyond the boundaries of its safe, skill-building, supportive community. There is no way that independent living in isolated units or in a small number of supported units within a larger development can provide the opportunities, choices, community involvement, secure future and overall life enrichment that residents of Freedom Village will experience.", "domain": "economics"}
+{"url": "https://1040taxbiz.com/the-untapped-potential-why-you-should-start-a-tax-office/", "date": "2024-04-14T00:36:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816863.40/warc/CC-MAIN-20240414002233-20240414032233-00217.warc.gz", "language_score": 0.9390236139297485, "token_count": 753, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__199057810", "lang": "en", "text": "Are you seeking a rewarding venture that not only provides financial stability but also allows you to make a meaningful impact in your community? Look no further than starting a tax business. In today’s dynamic economic landscape, the demand for tax services continues to soar, presenting a lucrative opportunity for aspiring entrepreneurs. Here, we delve into the compelling benefits of embarking on this journey and why launching your own tax office could be the key to unlocking success.\n1. Financial Independence and Stability\nOne of the foremost advantages of venturing into the realm of entrepreneurship is the potential for financial independence. Starting a tax office offers a pathway to building a sustainable income stream, as tax preparation is a recurring necessity for individuals and businesses alike. By establishing your own tax business, you gain control over your earning potential, allowing you to set your rates and scale your services according to market demand. Moreover, as tax regulations evolve, so does the need for expert guidance, ensuring a steady flow of clientele year after year.\n2. Fulfilling Entrepreneurial Vision\nFor those with an entrepreneurial spirit, the decision to start a tax office can be deeply fulfilling. It presents an opportunity to turn a passion for numbers and financial literacy into a thriving enterprise. Whether you’re a seasoned tax professional or someone looking to explore a new career path, launching your own tax business allows you to take charge of your professional destiny. You have the freedom to design your services, cultivate your brand identity, and create a work environment that aligns with your values and aspirations.\n3. Serving Your Community’s Needs\nIn the realm of taxation, knowledge is power, and many individuals and businesses lack the expertise needed to navigate complex tax laws effectively. By starting a tax office, you become a trusted resource within your community, providing invaluable assistance to clients seeking to fulfill their tax obligations accurately and efficiently. Whether it’s helping small businesses optimize their deductions or guiding individuals through the intricacies of filing their returns, your tax office becomes a beacon of support, easing the burden of tax compliance for those you serve.\n4. Flexibility and Work-Life Balance\nOne of the defining features of entrepreneurship is the flexibility it affords. When you start a tax office, you’re not just creating a job; you’re crafting a lifestyle that prioritizes autonomy and work-life balance. As the owner of your business, you have the flexibility to set your own schedule, allowing you to allocate time for personal pursuits, family commitments, and leisure activities. Whether you prefer a traditional office setup or embrace remote work options, the freedom to structure your workday according to your preferences is a priceless benefit of entrepreneurship.\n5. Growth and Expansion Opportunities\nThe decision to start a tax office is not just a single venture; it’s the beginning of a journey filled with growth opportunities. As your reputation grows and your client base expands, you have the potential to diversify your services, offering additional financial planning, accounting, or consulting services to meet evolving client needs. Furthermore, with advancements in technology and digital marketing, you can leverage online platforms to reach a broader audience and expand your business beyond local boundaries. The possibilities for growth and expansion are limited only by your imagination and entrepreneurial drive.\nIn conclusion, the decision to start a tax office represents a gateway to a world of opportunity and fulfillment. By embarking on this entrepreneurial journey, you not only gain financial independence and flexibility but also have the chance to make a tangible difference in the lives of those you serve. So, if you’re ready to take the plunge into entrepreneurship, consider the immense benefits that come with starting a tax business. Your future success awaits – seize it today!", "domain": "economics"}
+{"url": "https://www.studentenwerk-muenchen.de/en/news/news-informationen/solidarbeitrag-bleibt-bestehen/", "date": "2023-02-06T22:44:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500365.52/warc/CC-MAIN-20230206212647-20230207002647-00779.warc.gz", "language_score": 0.9622349739074707, "token_count": 214, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__201981244", "lang": "en", "text": "The semester ticket’s originally planned discontinuation has been postponed due to the fact that by the end of January 2023 it was not yet clear from when exactly the “Deutschlandticket” will be valid. For this reason, the semester ticket will also be available in the summer semester 2023. That will ensure that you are able to use public transport at a reduced price even before the Deutschlandticket is introduced.\nWe therefore ask all our students to pay the solidarity fee as requested with their university, as in previous years. Your university will inform you in time, as usual.\nWe recommend you to think carefully about whether or not and when you need to buy the IsarCard Semester, as it is not possible so far to have it exchanged for a Deutschlandticket. We are, however, along with the AK Mobilität of the Munich student representations, doing our best to make it possible for students to offset the IsarCard Semester as well as the solidarity fee against the Deutschlandticket.", "domain": "economics"}
+{"url": "https://presspasslatino.com/world-cup-brazil-expensive/", "date": "2018-11-14T03:38:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039741578.24/warc/CC-MAIN-20181114020650-20181114042650-00334.warc.gz", "language_score": 0.9705386161804199, "token_count": 518, "dump": "CC-MAIN-2018-47", "global_id": "webtext-fineweb__CC-MAIN-2018-47__0__76678065", "lang": "en", "text": "After all is said and done, the last pieces of the stadiums are put into place and the last road has been built, the World Cup in Brazil will be the most expensive World Cup to date.\nThe Brazilian government estimates they will have spent at least 11 billion dollars to host 64 games for the 32 best soccer teams in the world.\nAn estimate that’s roughly triple the amount spent by South Africa in 2010 (4 billion) and seven times as much as Germany spent in 2006 (1.6 billion).\nWhy is hosting the World Cup making Brazil shell out so much money?\nWell, the answer is simple and can be summarized in one word “infrastructure”. Brazil’s lack of it, that is.\nBrazil’s main issue is spacing and the fact that the country plans to host games in 12 different cities, some of them thousands of miles apart.\nSo, the investment has weighed heavy on infrastructure (this includes trains, hotels, stadiums).\nGermany didn’t spend as much money when it hosted the World Cup because it already had the proper infrastructure to host hundreds of thousands of people and South Africa while it was not as set as Germany, was dealing with much smaller venues.\nOf the 11 billion, 32 percent or 3.5 billion has been put into building soccer stadiums. Six of the stadiums are being refurbished, another six are brand new, including the 900 million dollar “Estadio Nacional” in Brasilia which is the second most expensive soccer stadium in the world.\nThis stadium is becoming the scapegoat for those who blame the government for out of control spending and mismanagement.\nAccording to Fox News, while the stadiums are becoming commonplace for political corruption, 68 percent of the money or 7.5 billion has been invested into infrastructure projects like renovating airports, roads, and improving mass transit options. Other projects have failed, like the one of building a connecting monorail to Sao Paulo.\nFans trying to get tickets at the last minute better have a hefty trust fund because that’s what it’s going to take to get a ticket.\nTickets began at $15 for Brazilians and for international fans group match games began at $90. However, third-party sites like Stub Hub are now reselling tickets for five times that amount. Currently, a group match ticket is reselling for an average price of $553.\nThe championship match will also cost a pretty penny with starting prices at a whopping $6,000.", "domain": "economics"}
+{"url": "https://arek.co.in/2020/03/27/mining-without-consent-chromite-mining-in-manipur/", "date": "2021-06-25T06:50:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487622113.11/warc/CC-MAIN-20210625054501-20210625084501-00295.warc.gz", "language_score": 0.9412188529968262, "token_count": 2792, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__153638381", "lang": "en", "text": "by: Frank Varah\nThe recent identification of chromite deposits in two districts of Manipur, Ukhrul and Chandel, has led the government to grant mining clearances disregarding constitutional provisions. While environmental degradation and tribal displacement due to chromite mining in Odisha is well documented, the administration is yet to learn from Odisha’s mistakes.\nChromite is a versatile element that is used in metallurgical, refractory, chemical and non-ferrous alloy industries. Owing to its multiple uses, chromite is a valuable and strategic raw material. Most of the chromite resources in the world are located in South Africa, that contributes to more than 50% of the world-trade in chromite (Pariser: 2013), and Kazakhstan. In India, more than 93% of chromite deposits are located in Odisha, mainly in the Sukinda valley in Cuttack and Jajpur districts (IBM: 2012).\nThe world production of chromite increased from 23.5 million tonnes in 2009 to 30 million tonnes in 2010 (IBM: 2012). The production of chromite from Indian mines registered a 24% increase in 2010-11 compared to 2009-10 (IBM: 2012). India accounts for 17% of the world production of chromite, making it a significant exporter of the mineral (USGS: 2011).\nThe Indian Bureau of Mines 2013 report indicated that Manipur has 6.66 MT (3% of total chromite reserves in India) chromite resources of ophiolite belt in Ukhrul (5.5 MT) and Chandel (1.1 MT) districts (IBM: 2013). Chromite deposits have been found in the villages of Phangrei, Shirui, Lunghar, Chingai, Kalhang Khunou, Poi, Halang, Pushing, Shingcha, Gamnom, Yantem, Hangkao, Apong, Ningthi, Pihang, Chattrick Khunou, Nambisha and Kangpat in Ukhrul District and Kwatha, Sibong, Khulangthabi and Minou-Mangkang villages in Chandel District.\nThe ore found here is high grade with Cr2O3 (chromium oxide) content varying from 44% to 59% (GSI: 2011). The chromite bearing areas in the two districts have flat topped low hills and rolling grasslands intersected by rivers. The forest cover of the two districts, based on satellite image, is 81.74% of geographical areas measured in square kilometres (FSI: 2011).\nViolation of Procedures\nThe government of India, through the Indian Bureau of Mines and the Ministry of Mines, granted mining leases and licenses to private companies during 2007-2012 in the ophiolite belt of Ukhrul and Chandel districts of Manipur (Fig:1). The provisions of the Memorandum of Understanding (MoU) signed between the government of Manipur and the lessees include transfer of huge amount of land, raw materials, water and the right to mine.\nHowever, the agreement between the Manipur government and the lessees was reportedly signed without informing the people of the land. No proper environmental impact assessment (EIA) was conducted either. Various civil society groups and local people raised objections against the state government for not seeking prior consent from the people.\nIn India, sanctions for chromite mining depend on both the central and state governments. A clear set of rules for obtaining environmental clearances for industrial and infrastructure related projects is prescribed by the Environmental Impact Assessment (EIA) Notification, 1994 issued by the Ministry of Environment and Forest (MoEF). The MoEF is mandated to carry out an appraisal, scoping and screening of projects, conduct public consultations with local communities affected by projects and prepare a report. This is to ensure that mining projects that are ecologically destructive are not permitted. Further these assessments are supposed to identify “no go” areas, factoring effective forest and wildlife acts for protection of biodiversity as well as laws regulating mine closure and mine restoration. The Ministry is also supposed to conduct post-project monitoring.\nCoercing the Tribals\nThe Indian Constitution recognises that tribal lands and forests must be given special protection. The Forest Rights Act, 2006, empowers tribal and forest dwelling communities to play a decisive role in the management of natural resources. In addition to this, the Constitution also appends that land under the fifth and sixth schedules of the constitution cannot be alienated to non-tribals or industries. Despite these enabling provisions in the constitution and the Forest Rights Act, 2006, the rights of the tribals are being undermined by the Manipur state government in order to pave way for the mining industry.\nThe Manipur (Hill Areas) District Council (Third Amendment) Act, 2008 enacted by the Manipur legislative assembly is partially responsible for this as it discourages the idea of collective land ownership practised by tribals. It takes away land ownership rights from the village chiefs and empowers the members of the Autonomous District Councils to “allot, occupy, use and alienate land” without consulting the local tribal community. Through the provisions of this Act the state government seeks to take control over the tribal land and forests in clear infringement of tribal rights.\nMoreover, it appears that the government of India assumes that all minerals found underground are state property. Ownership of the land is irrelevant, and the owner of the land earmarked for mining is not even granted preference in the grant of mining leases. The Mines and Minerals (Development and Regulation) Act, 1957, provides detailed procedures for a company or individual to obtain permission to search for minerals and to mine them. All power to grant permission rests with the state government, though central government approval is required as well. With such authority vested in it, the government of Manipur has acquired the lands and resources of the tribals without their consent.\nHowever there are several judgments by the Supreme Court which have ruled against such indiscretion of the state. In the recent case of State of Kerela vs Jenmis (Land owners of Kerala) 2013, the Supreme Court ruled that the ownership of minerals should be vested with the owner of the land and not with the government. The three-judge bench headed by Justice R M Lodha noted that “there is no law in the country which declares that state is the owner of sub-soil or mineral wealth”. Referring to various acts regulating extraction of underground natural resources, the bench said that nowhere do the laws declare the proprietary right of the state. It ruled that the assertion of government to collect duty or tax is in the realm of its sovereign authority, but that does not extend it a proprietary right. The court rejected the argument that individual owners cannot claim any proprietary right on the sub-soil resources as section 425 of the Mines and Minerals (Development and Regulation) Act, 1957 prohibits carrying out of any mining activity in this country except in accordance with a permit, license or mining lease.\nIn areas where industries or mining operations are to be set up, the government often acquires land from the local community by promising them social and economic development of the area along with employment opportunities. But employment trends (in terms of employment) in India show a declining rate of employment despite an increase in industrial and mining activities in the country. This can be somewhat attributed to the use of modern technology which has rapidly reduced the labour requirement per unit of output. In case of mining, the beneficiaries are largely non-local mining experts. Skilled workers such as engineers, technicians, explorer, managers, etc. are usually outsiders. Other than providing manual labour, there is very little opportunity for the local population to find work in mining companies. The extracted ore is usually processed outside the mining belt, further reducing job opportunities for the locals. Transportation of raw materials etc. is usually undertaken by outsiders as the locals do not possess the infrastructure to cater to the transport requirements of the mining industry\nMany studies have shown the environmental degradation and health hazards caused by chromite mining. The heavy metal contamination of agricultural soil, plants and water around chromite mining areas in Vietnam (Kien et al.,:2010), Zimbabwe (Maponga and Ruzive: 2002), China (Ma and Garbers:2006) and Pakistan (Kfayatullah et al.:2001) is well documented. Hexavalent chromium or Chromium–IV, one of the most toxic forms of chromium, is produced during smelting of chromite ore. The adverse effects of Hexavalent chromium contaminated water became known in the 1960s in Hinkley, a town in California. It caused an array of health problems such as skin rashes, ulcers, respiratory problems, lung cancer, weakened immune system, alteration of genetic material, kidney, liver damage and more (Fryzek et al.: 2001).\nIn India, different studies have shown the environmental havoc and sicknesss caused by chromite mining in Odisha (Dubey, et al.: 2001; Das and Singh: 2011), Karnataka (Krishna, et al.: 2012) Tamil Nadu and Maharashtra, (Rao, et al.: 2011). The case of Sukinda valley in Odisha may be of interest here. The ore deposits are exploited in this belt using open cast mining methods, and majority of these mines are located upstream of the Damasala Nala catchment areas. Seepage takes place from the mines situated on the bank of Damasala Nala, contaminating the water with heavy metals such as Hexavalent chromium. (IBM: 2013; Dubey et al.: 2001).\nThe 1995 survey data report from the Odisha Voluntary Health Association (OVHA) showed that more than 85% of deaths in the mining areas, and 86% of deaths in the nearby industrial villages occurred due to diseases caused by polluting activities of the mines in the region. The survey report also revealed that villages within 1 km of the sites were the worst affected, with more than 25% of the inhabitants suffering from pollution-induced diseases (Pal: 2010). However, there has been virtually no attempt to clean up this contamination in spite of the local organisations protesting against the mining activities. The Sukinda valley in Odisha is among the top ten of the world’s 30 most polluted places (Rao, et al.: 2001; Dhal, et al.: 2013).\nA similar tale of environmental destruction and degradation looms large over the mines in Manipur. The chromites are located in the densely forested regions inhabited by the tribal people. Mining will not only result in deforestation and destruction of biodiversity but most importantly, the exhaustion of such non-renewable resources. The extraction and dumping of rock on the surface in the mining process will adversely affect livelihood of tribal communities. This will also alter the stability of the rock components thereby affecting the quality of water, soil and air in the area. Since chromite mining will employ the open cast method, it will eliminate existing vegetation, destroy the genetic soil profile, displace or destroy wildlife habitats, alter current land uses, and to some extent permanently change the general topography of the area. Mining will disrupt resources upon which people depend on for their subsistence and also generate discontent among people that shall act as an agent for further conflict.\nThe districts are also a part of a region known for receiving heavy rainfall throughout the year, making the land more vulnerable to contamination by chromite mine run-offs. In these districts, chromite deposits are largely found below the slanting ridges of the unending hills where hundreds of rivulets flow, providing drinking water to the people. For instance, streams emanating from Shirui Kashong that serves as the main source of water for the neighbouring villages will get highly polluted if chromite is mined in Phangrei. Further this will affect rivers such as Rangazak and Challou, the lifeline of the neighbouring villages cultivating rice. Mining of chromite at Shingcha, Maku, Ningthi, Chingai, Halang and Kalhang Khunou will inevitably affect the pristine rivulets flowing through the region and joining rivers such as Maklang, Tuyung, and Chammu in Ukhrul district affecting the soil in downstream villages.\nDevelopment through chromite mining in Manipur is not an answer to its economic woes. Exploiting its mineral resources does not necessarily provide solutions to the economic problems and other social issues. Mineral rich states like, Odisha, Chhattisgarh and Jharkhand are afflicted by poverty, as the revenue generated from mining is not utilised for the welfare of the local people. Large-scale exploitation and economic depravation is one of the causes which has given rise to Maoist insurgency, involving mostly tribal youths, in these regions. Inadequate access to legal means and lack of grievance redressal mechanisms hamper the efforts of the poor tribals to protect themselves from exploitative policies of the state and the corporates. The statutory rights and the constitutional protection given to the tribals are often lost in the pursuit of development. The case of chromite mining in Manipur not only brings to the fore the rights of tribals over their land but also the need for sustainable development.\nDisclaimer: The Arek do not claim ownership of this article.\nTo cite this article: Varah,F. (2014). Mining Without Consent: Chromite Mining in Manipur. Economic & Political Weekly, 49 (25).\nClick here for full access.", "domain": "economics"}
+{"url": "https://transformschool.com/2019/03/01/the-class-piggy-bank-that-turned-into-a-small-fortune/", "date": "2023-12-04T10:38:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100527.35/warc/CC-MAIN-20231204083733-20231204113733-00486.warc.gz", "language_score": 0.9598256349563599, "token_count": 964, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__193558772", "lang": "en", "text": "Last week I came across a remarkable teacher at one of my trainings.\nShe teaches 5 year olds how to run a business. Her methodology is simple:\nAfter placing a small piggy bank in the middle of the room, she asks students to fill it with loose change. The kids go home, find any change they have laying around and bring it back the next day. That’s when the challenge begins.\nShe tells them that this year they must find a way to turn that change into a highly profitable business that benefits the community. Her one stipulation- whatever you take out of the piggy bank, you must do your best to put back in.\nIt works. Every year.\nSome kids use change to purchase fruit for their smoothie and lemonade stands and increase the money 5 fold. Others use it to purchase beads for their accessory business to market to children in other classes.\nTo increase community involvement and collective ownership, students are required to ‘pitch’ their ideas to classmates.\nWhy a Class Businesses Help Prepare Students for the Future\nThis brilliant kindergarten teacher was on to something. She knew that in today’s uncertain economy, teaching students how to run a class business was as important as teaching them their ABC’s. Here’s why:\n#1: Teaches Delayed Gratification\nBy turning the piggy bank into a class business, students learned to delay immediate gratification for long term success. They saw first hand how money was able to grow. These same principles can be applied later in life when making investments, purchasing a home, or planning for retirement.\n#2: Creates Community Ownership\nNo one individual owned the piggy bank. It was owned collectively by the class. This taught students to view decision making as a collective process with several key stakeholders. Many businesses operate according to the same premise. In order to grow, they have to involve numerous shareholders, from public to private entities. And similar to the class piggy bank, decision making moved away from a narrow focus of profitability to what would work best for the collective good.\n#3: Teaches students adaptability\nIt’s predicted that within five years, close to 50% of the world’s population will be freelancing in some form. What’s even more alarming: millennials tend to hold 3-5 jobs before the age of 30- and that has nothing to do with diminished work ethic; it’s because the world is changing at an alarming rate. So what’s that got to do with a class business? Teaching kids as young as 5 to adapt to uncertainty is the best way to prepare them for it. When running the class business, inevitably some student ideas will fail, forcing them to pivot and pursue new ideas and ventures. This ability to pivot will allow them to adapt to new fields when their current jobs become obsolete.\n#4: Numbers make more sense when applied to the real world\nI remember hating math as a kid. It was all too abstract. Even word problems were written abstractly, with test writers asking us to use calculus to lean a ladder against the wall. A class business on the other hand helps students get to abstract math concepts in a practical way. Students learn concepts of dividends, diminishing returns, interest (complex and compound), supply and demand, and others necessary to sustain and grow their business.\n#5: Exposes students to problem solving and creativity\nAccording to the world economic forum, in the year 2025 problem solving and creativity will be the first and third most important skills respectively. That’s a seven step move for creativity (it was #10 in 2015).\nWhat better way to teach these skills than having students apply them on a daily basis?\nAs is the case with any business, problems will arise that are natural to sustaining and growing it. Students will be forced to find an appropriate market; create interest around their products; conduct pre- and post analysis when selling their goods; and determine ways to ensure customer satisfaction. Dealing with these problems on a daily basis will create resilience and confidence in students to solve bigger problems later in life.\nHow to Start Your Class Business\nInterested in starting your own class business? You don’t have to go at it alone. There’s a wonderful organization called ‘Real World Scholars’ that helps teachers start their own class enterprises. They provide a starter kit, access to funding, and an online marketplace to sell goods. Check them out at ‘Real World Scholars.’\nHave an incredible week leading our future tinkerers, explorers, and entrepreneurs.\nYour Innovations Coach and #1 Cheerleader,", "domain": "economics"}
+{"url": "https://altrix-edge.io/", "date": "2024-04-24T13:20:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296819273.90/warc/CC-MAIN-20240424112049-20240424142049-00857.warc.gz", "language_score": 0.9363284707069397, "token_count": 2517, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__193903404", "lang": "en", "text": "It's a crypto trading and charting platform where traders can build strategies and get the latest data regarding market conditions. Altrix Edge also provides helpful learning materials for traders of all skill levels, as well as pricing charts that show real-time fluctuations in cryptocurrency prices.\nThanks to a user-friendly interface, it’s easily accessible, so traders can keep up with their trading activities and modify their strategies from anywhere. In addition to historical pricing trends, Altrix Edge gives insights regarding the latest events that can affect the crypto market, such as government regulation, the launch of new technology, or increased rates of crypto adoption.\nBecause of these features, it’s suitable for beginners and experienced traders who need an efficient way to look at information and instantly start trading. Traders can also focus on trading different cryptocurrencies to build a diverse portfolio. They can choose from a variety of altcoins or simply opt for Bitcoin trading, considering its reputation as the most favored cryptocurrency.\nBesides trading-related features, Altrix Edge also ensures a safe trading experience by employing effective security measures like advanced encryption protocol. It also offers tried and tested payment methods that have been proven safe so that traders can make deposits and withdrawals without worry.\nDespite the increasing traction surrounding cryptocurrencies, it’s important to remember that crypto trading can be very difficult and even riskier for traders who aren’t prepared. Without access to the right materials that could enhance their knowledge, traders would need to rely on trial and error to understand what they should and shouldn’t do. But this can be incredibly risky.\nTo ensure that even beginners know the basics before they go live, Altrix Edge has compiled a selection of different learning materials. These comprise short articles, detailed ebooks, and other forms of content to familiarize new traders with common concepts involved in crypto trading.\nUsing these resources, traders can understand how to read different charts, what factors to consider when building a strategy, and what the most common chart patterns indicate. Once they know how to read market data and interpret crypto-related news, traders can start forming strategies based on how they think the current data will affect the market.\nAt the same time, there are informative materials for experienced traders as well. These include case studies and articles that they can go through to build their understanding of the market.\nThe crypto market is highly volatile, with a number of factors that can affect price movements at a single time. Therefore, it’s important that traders keep up with the latest market events and news before coming up with a strategy and choosing a cryptocurrency to start trading.\nWhen traders don’t have a reliable source where they can get all their crypto-related news, they have to scour through different websites to find information. Even then, there’s a risk of missing something that could potentially affect cryptocurrency prices.\nTo prevent the hassle associated with looking for relevant cryptocurrency news across different outlets, Altrix Edge has a dedicated section to provide traders with important market insights. This includes the latest news regarding political stances on cryptocurrencies, lawsuits against crypto-related companies, and more.\nViewing this information is critical for performing a fundamental analysis when speculating the future price movement of a cryptocurrency. Otherwise, simply relying on historical trading data and the price action of a cryptocurrency can prevent traders from seeing the complete picture of how current market conditions could eventually impact the value of a cryptocurrency.\nSome common examples of events that can affect crypto trading include factors like changing interest rates, unemployment, and inflation. Periods of economic stability in a country can lead to a rise in cryptocurrency adoption. As this happens, more people start acquiring crypto assets, which increases their popularity.\nIn this situation, the demand for the cryptocurrency increases, which has a major impact on the value. Similarly, many traders wait for major economies like the United States to declare whether it will be increasing interest rates or not. Then, based on this news, they decide whether to go long or short on their trading strategy.\nAt the same time, it’s unwise to dismiss historical price action information of a particular crypto asset. When conducting a technical analysis to speculate on the price movement of a cryptocurrency, traders must see how the price has changed over time. For this, an accurate charting tool is essential.\nIt’s why Altrix Edge provides traders with a reliable pricing chart that shows real-time data about the value of a cryptocurrency and how it’s currently moving. Technical analysts believe that historical pricing trends are a strong indicator of an asset’s future movements.\nThis stems from the concept of market cycles. Many crypto traders are of the opinion that the crypto market will experience a bullish or bearish trend every couple of years, after which prices experience rapid change.\nWith the Altrix Edge’s charting tool, traders can set their desired time intervals to see how the value of a cryptocurrency has changed over time. Then, they can predict whether the price is set to increase or decrease in the near future, allowing them to start trading accordingly.\nCrypto trading is quite complicated as it is, so the last thing traders need is a platform that’s too confusing and complicated to navigate through. To ensure that new traders would spend little time getting used to the platform, Altrix Edge is designed with a user-friendly interface. That means the layout is simple and easy to understand. It also means that the features are labeled properly to help traders access the resources they need.\nA great user interface can alleviate the confusion and frustration that comes with trying to understand complex charts and other materials. Because of its clean and minimalist layout, traders can access Altrix Edge on their handheld or desktop devices. The platform maintains a similar user interface regardless of the screen size, so traders don’t need to adjust to different versions of the platform.\nIt also makes it more convenient to access the platform from anywhere. This is an important feature for many crypto traders today, considering that they may need to log into their accounts from different locations.\nTo effectively open long and short positions for a specific cryptocurrency, traders need to know how to read crypto charts. Charting is a common component of technical analysis, during which a trader should view a cryptocurrency’s price trend before moving forward.\nCharts provide a wide variety of insights regarding the crypto market, which is crucial when traders need to make split-second decisions. Although traders can always customize their charts according to their preferences, there are a few common types of charts they'll come across.\nAs the name implies, this type of chart includes a line that connects the dots between one closing price and the next. When all these dots are connected with a line, traders can view the overall price movement of a cryptocurrency over time.\nIt’s the simplest type of pricing chart, but it doesn’t offer any information about how the price moved within a specific period. The only visible data point on this chart is the closing price at the end of a trading period.\nNevertheless, this type of chart is highly useful for traders who want to observe a general price trend to see if the value has gone up or down so far. Therefore, it helps one see the bigger picture with regard to a cryptocurrency’s price movement.\nNot to mention, it’s common for some traders to focus more on the closing price of a crypto asset than the opening price, high or low. But this means ignoring some important data points. Specifically, traders end up dismissing price fluctuations that occur during a trading session. And when it comes to a highly volatile asset class such as cryptocurrencies, it could make all the difference in one's strategy.\nCompared to a line chart, a bar graph will indicate much more information. It will show the opening price, closing price, or a cryptocurrency, as well as the highs and lows experienced during a trading session. In other words, a bar chart will depict the volatility of a cryptocurrency as well.\nRather than seeing the overall pricing trend, traders rely on bar charts to learn about the price range of the asset during a specific period. Therefore, it’s common to see the bars increasing or decreasing in size over time.\nFor each bar, the bottom marks the cryptocurrency’s lowest traded price during the session. Meanwhile, the top will mark the highest traded value. The length of the bar itself will show the asset’s trading range. With greater price fluctuations, bars become bigger, and smaller changes result in smaller bars.\nThis variation in size is because the vertical length of a bar represents the difference between the highest traded price and the lowest traded price during a session. And each bar represents a single session, which can be as long as a few minutes, an hour, or a day.\nThe candlestick chart is by far the most common chart that traders use to keep track of market data. It’s a type of bar chart because it also shows the opening and closing prices, along with the highs and lows during a specific trading session.\nEven though it indicates the same data as a bar chart, it’s much more visually appealing. This makes it more convenient to read, which is essential in crypto trading, where every second counts. Each candle is made up of a larger body and a wick at each end. The wider block in the center of the candle shows the difference between the cryptocurrency's opening and closing prices. Then, the wicks will show how high and low the asset's value went in the specific session.\nA major reason that crypto traders prefer using candlestick charts is that they represent market sentiment using colors – most commonly red and green. A red body will show that the closing price was lower than the opening price, indicating a bearish sentiment. And a green body means that the closing price was higher than the opening price at the start of a session, which implies bullish sentiment.\nWith Altrix Edge, traders can view charts based on their trading preferences. Whether they want to view general price trends or see other data points as well, they can set their desired trading session intervals on the chart. This allows each trader to see the information they’re looking for without any distractions. Not to mention, they can apply specific indicators on the chart to keep track of when a cryptocurrency will reach a specific price.\nNo, traders don’t need to get a crypto wallet if they want to start crypto trading. This is because trading via Altrix Edge doesn’t require the ownership of a cryptocurrency token. Instead, traders will go long or short on an asset depending on whether they speculate that the value will increase or decrease. Therefore, traders will be able to start crypto trading without paying the high cost of purchasing a token.\nIt’s not necessary to have stock or forex trading experience when starting crypto trading. However, it’s still important that traders have some knowledge about how the crypto market works. This allows them to get a clearer picture of current market conditions and make decisions accordingly. Otherwise, there’s a risk of taking up positions based on one’s gut feeling, which can increase risk levels.\nYes, Altrix Edge is developed to be compatible with all types of desktop and handheld devices. Because it’s designed with a user-friendly interface, traders can conveniently transition from trading on their computers to their tablets. Also, it’s compatible with all major operating systems, such as Windows, Mac, and Linux.\nThe most common options include scalping, day trading, and swing trading. Traders should choose a strategy based on their goals and how much time they’re willing to dedicate to monitoring their trades. However, considering the volatile nature of cryptocurrencies, scalping is a suitable strategy. This is because it allows traders to take advantage of minor price fluctuations that occur in the crypto market.\n|🤖 Type of Platform\n|💰 Cost of Platform\n|Free of charge\n|📊 Platform Category\n|💳 Payment Methods\n|Credit Card, Wire Transfer, PayPal, and more\n|A wide number of countries (except the USA)", "domain": "economics"}
+{"url": "https://www.westnautical.com/news-item/west-nautical-speak-superyacht-investor-conference/", "date": "2018-10-21T14:37:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583514030.89/warc/CC-MAIN-20181021140037-20181021161537-00043.warc.gz", "language_score": 0.9791050553321838, "token_count": 410, "dump": "CC-MAIN-2018-43", "global_id": "webtext-fineweb__CC-MAIN-2018-43__0__240857319", "lang": "en", "text": "Geoff Moore was invited to sit on the panel of experts to discuss the status of the Charter Market\nWest Nautical attended the inaugural Superyacht Investor conference held at the Hyatt Regency Hotel, London, on March 14th and 15th.\nGeoff was joined on the panel by the MYBA President Fiona Maureso and Senior Broker with My Sea Timothy Clark, which was moderated by Alasdair Whyte, Editor and Co-Founder of Superyacht Investor.\nThe panel had several lively discussions for an hour on subjects such as what an Owner can do to present their yacht in the best manner in what is becoming a very competitive charter market, and what contribution to owning costs can be covered through commercial chartering.\n“Since the financial crisis the deal culture has entered every part of our lives,” said Timothy. “Many customers are looking for a deal.” Many newer customers have become fickle. Fiona Maureso agreed: “We still have many clients that have worked with us for years, but there is a trend amongst some to be less loyal to their brokers and shop around. This really did not used to happen as much.”\nThe panel also discussed the trend of seeing other industries being changed by new technology, such as Uber, AirBNB etc, and whether they worry that clients will one day book all yacht charter online? Whilst it was generally an agreed opinion that customers for a superyacht charter will generally always want the tailored and personal service that a broker offers in order to book such an expensive holiday as a yacht charter, Geoff Moore did add: “I do think that, in the future, a lot more clients will be booking online. We’ve got billionaire clients that will only use their own jets, but we also have billionaire clients that will only fly economy – it’s about choice.”\nFor any enquiries into charter, please contact our dedicated team at firstname.lastname@example.org", "domain": "economics"}
+{"url": "https://adambermanattorney.com/investing-in-real-estate-strategies-for-long-term-success/", "date": "2024-04-19T12:49:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817398.21/warc/CC-MAIN-20240419110125-20240419140125-00538.warc.gz", "language_score": 0.9001973867416382, "token_count": 537, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__129253809", "lang": "en", "text": "Investing in real estate can be a rewarding endeavor, providing the potential for significant profits and long-term financial stability. However, like any investment, real estate requires careful planning, strategic thinking, and a focus on long-term success. Whether you are a novice investor or experienced in the field, here are some proven strategies to ensure your success in real estate investment.\n- Develop a Clear Investment Plan:\nSuccessful real estate investors have a well-defined investment plan. They set clear goals, whether it’s generating rental income, property appreciation, or a mix of both. A defined strategy helps you focus your efforts and resources on properties that align with your objectives.\n- Diversify Your Portfolio:\nDiversification is a key principle in investment. Spread your investments across different types of properties and locations. Diversifying your real estate portfolio can mitigate risks and enhance your chances of consistent returns, even if one sector experiences fluctuations.\n- Research Thoroughly:\nIn-depth research is the foundation of successful real estate investing. Understand the local market trends, property values, and potential growth areas. Analyze historical data and future projections to make informed decisions. Knowledge about the market gives you a competitive edge and helps you identify lucrative opportunities.\n- Financial Prudence:\nMaintain financial discipline in your investments. Set a budget, stick to it, and avoid impulsive decisions—factor in all costs, including property acquisition, maintenance, management fees, and taxes. Ensure your investments generate cash flow after accounting for all expenses.\n- Understand the Power of Leverage:\nLeveraging other people’s money, such as through mortgages, can amplify your investment potential. Mortgages allow you to control a more valuable property with a relatively small upfront investment. However, exercise caution and ensure you can comfortably manage the debt.\n- Long-Term Vision:\nSuccessful real estate investors have a long-term perspective. Real estate markets can experience short-term fluctuations, but historically, properties tend to appreciate over time. Adopt a patient approach and resist the temptation to make impulsive decisions based on short-term market movements.\n- Effective Property Management:\nIf you are investing in rental properties, efficient property management is essential. Timely maintenance, responsive communication with tenants, and fair treatment contribute to tenant satisfaction and long-term occupancy. Well-managed properties yield steady rental income and positive tenant relationships.\nInvesting in real estate is a journey that requires careful planning, research, and a commitment to long-term success. Remember, patience, knowledge, and strategic thinking are your greatest allies in real estate investment.", "domain": "economics"}
+{"url": "https://honestygroup.co.uk/our-story/", "date": "2022-08-08T00:41:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570741.21/warc/CC-MAIN-20220808001418-20220808031418-00011.warc.gz", "language_score": 0.9856057167053223, "token_count": 862, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__113719672", "lang": "en", "text": "I grew up in a household where it was normal to bake bread. My Mum stubbornly refused to succumb to the “life is too short” mantra that was persuading many people to get out of the kitchen in the 1970s and to buy convenience food, white sliced “Mother’s Pride” being one of those. I have for many years been interested in the politics of food, how it is sold to us and the effect that it has on our health, happiness and well-being and of course the environment. Bread is the perfect example of how food culture in Britain started to break down in the 1960s onwards and how its production reflected the drive by big food manufacturers to get us out of our kitchens and to embrace any food item that reduced our effort at cooking. Quick was good. In those early days we trusted that what was being sold to us would do us no harm. I grew up in Basingstoke. Money was tight, but it was always important to my Mum that we were well fed with wholesome, home cooked food.\nWhen I had children it was easy to see the impact that good, home cooked food had on them. From lighting up their senses, bringing something smelling delicious and looking delicious from the oven to the table, to seeing their strong, healthy bodies and minds develop over time. It does take time and effort, but you make that time and effort for your loved ones.\nI had always had a dream to open a bakery. Bread has a special place in my heart. It was in 2012 that I started to think about making this dream a reality. We had lived in a rural part of Hampshire since 1997 and it was almost impossible to find good quality bread. The supermarkets had their “in store bakeries” but they just provided the illusion of freshly baked bread, bread that looked and smelled good but that was full of additives, emulsifiers and preservatives. If I wanted good bread then I felt that others must want it as well and that there could therefore be a market for it away from the supermarkets. I also wanted to prove that good food, real food could get to the consumer at a reasonable price and that a business doing this could still have principles and ethics and make a profit at the same time. I spoke to a lot of people in the know, people with commercial real bread baking experience. None of them were very encouraging so I didn’t take the plunge.\nIn 2014 an unloved old coaching inn came on the market in the village of Inkpen. It had a restaurant, bar, tiny kitchen, 10 guest bedrooms and a converted barn where the owner lived. I saw my chance to refurbish this beautiful old pub and use the old barn space for a bakery and small coffee shop and Honesty was born.\nSince 2014 we have moved the bakery twice as a result of growing demand for our bakery products and we are now in Turnpike in Newbury producing bread, cakes, pastries, pies, pasties, soups, stews, sandwiches and salads.\nAlongside the development of the bakery and kitchen at Turnpike and the pub we now have 10 coffee shops, the first of which opened in 2016. It was a small shop on the high street in the village of Kingsclere near Basingstoke. When the site came up for rent it seemed the perfect place to showcase our bakery range. Most of our shops are on small village high streets, away from the big brands. We sit in the communities in which we serve, adding value and reflecting those communities, not imposing ourselves upon them.\nIn 2019 we added the wonderful Saddleback FarmShop to our group of businesses. The shop was built from scratch by Claire Whidbourne in a converted piggery and it is now a much loved business in the area, supplying quality local produce, with a cosy tea room and cafe.\nIn September we took over the running of another village pub in the village of Donnington in Newbury. We have a seasonal menu there that changes weekly and reflects the best of local produce. A small coffee shop selling our Honesty baked produce can be found nestled in the courtyard at the back of the pub building.", "domain": "economics"}
+{"url": "https://gentlefamilydentistry.com/patients/insurance-financing/", "date": "2024-02-22T07:39:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473735.7/warc/CC-MAIN-20240222061937-20240222091937-00505.warc.gz", "language_score": 0.9522839784622192, "token_count": 310, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__5020016", "lang": "en", "text": "At Gentle Family Dentistry, we offer many ways for our patients to finance the dental treatments they need. We always accept the standard forms of payment: cash, checks, and credit cards. We additionally offer a discount incentive for those that pre-pay for treatment in full (some restrictions apply). Keep reading to learn more about our dental insurance and financing options.\nGentle Family Dentistry accepts most PPO insurance plans, but it is best to confirm with our Financial Coordinator. As a courtesy, we can also submit your insurance claims electronically.\nOne of the most popular and consistent ways to finance any needed dental work is through CareCredit. When using CareCredit, Gentle Family Dentistry offers 12 months of free financing. For many people, CareCredit is the easiest way to get the procedure done when needed and to pay it off throughout the next year, as opposed to saving up for a year and the dental issue worsening during that time.\nDr. Jonathan Garger wants to make it very clear that your dental treatment should never be dictated by your insurance company but instead should be dictated by your dental needs. Our office is committed to ensuring a high standard of care for your important dental health, and you deserve the highest quality of treatment. Through our years of helping out our patients, our team is well versed in the tools needed to assist our patients in receiving the necessary treatments. We will tirelessly work with insurance companies to utilize all of your available benefits and have additional financing options that will allow you to pay the amount not covered by insurance.", "domain": "economics"}
+{"url": "https://www.mantapro.com.au/become-a-dealer/", "date": "2022-05-16T18:31:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662512229.26/warc/CC-MAIN-20220516172745-20220516202745-00785.warc.gz", "language_score": 0.9344534277915955, "token_count": 225, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__210350067", "lang": "en", "text": "Become a Dealer\nInterested in retailing the range of Manta Performance products?\nWant to get access to our awesome product knowledge & post sales service?\nHere’s what sets Manta apart from the rest:\n– In business over 40 years. We take the time to understand your needs, and build a long-term relationship that you can trust.\n– Only the highest quality. All our products are developed and produced in-house, we make what we sell!\n– Australian made & owned. We know what makes the market tick, and we tailor our products and service to suit. We can offer fast turnarounds on bespoke products.\n– Competitive pricing, combined with a motivational discount structure to encourage you to get more sales!\n– Broad range, backed by the industry’s best warranties. We were the first Australian exhaust manufacturer to offer a 10 year guarantee on stainless steel exhaust systems – showing we back our product!\nWe can’t wait to hear from you!\nPlease fill out the form below and we’ll be in touch right away.", "domain": "economics"}
+{"url": "https://www.pinnacleservice.co/pama-medicare-rate-cut", "date": "2024-04-13T13:16:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816734.69/warc/CC-MAIN-20240413114018-20240413144018-00763.warc.gz", "language_score": 0.9283748269081116, "token_count": 431, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__144288979", "lang": "en", "text": "Impact of Medicare Rate Cut (PAMA rule)\nReduction of Medicare fees for laboratory tests under new PAMA rule is a major concern for many clinical labs. Medicare is planning to reduce annual payments to medical labs by $680 million. Fee rate changes will be implemented gradually over three years and affect different CPT codes in different ways.\nTo understand how these changes will affect our clients we have analyzed historical Medicare payments and computed detailed impact on each US medical lab based on the historical mix of CPT codes submitted to Medicare for payments.\nBelow are aggregated analysis results. To get free detailed analysis report for your lab, complete the request form\nGET DETAILED REPORT\nEnter your lab billing NPI and your corporate email address to receive detailed PAMA impact report for your lab\nIn 2018 first phase of rate cuts comes into effect but for most of the labs, the impact will be limited. 50% of labs will see negative revenue impact within $10K, 26% of labs are estimated to have losses from $10 to $50K and 17% of labs will are expected to see revenue drop up to $1m. Two largest national labs will be most impacted with revenue drop over $100 million.\nFew labs will see an increase in revenues from the Medicare rate change, some up to $1 million\nOur statistical model estimates that in 2019 impact from PAMA rate cut will more than double, increasing Medicare savings from $670 million to over $1.3 Billion.\n- The change will mostly impact larger labs what perform the majority of the most common tests such as Comprehensive Metabolic Panel or Lipid Panel tests.\nFor majority of labs, impact will not significantly change from 2019 to 2020\nOur statistical model estimates that in 2020 Medicare will save over $2B from rate cuts assuming Compound Annual Growth Rate (CAGR) of test volumes to be at 5%\nWhile two largest national reference labs will experience the majority of impact, the most of Medicare savings will come from a large number of small providers.", "domain": "economics"}
+{"url": "http://icba-online.com/home/2011/12/7/banks-make-quick-decisions-when-better-credit-quality-is-the.html", "date": "2013-12-09T09:33:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386163954634/warc/CC-MAIN-20131204133234-00007-ip-10-33-133-15.ec2.internal.warc.gz", "language_score": 0.9659396409988403, "token_count": 743, "dump": "CC-MAIN-2013-48", "global_id": "webtext-fineweb__CC-MAIN-2013-48__0__195629126", "lang": "en", "text": "By Ron Doyle\nIn Canada, we have recently seen two well-established companies filing for protection: Hart Stores Inc. and Norgate Metal. In neither case did the creditors nor the credit insurers suspect that the companies were about to file. In the Hart Stores case, two credit insurers reviewed the portfolio just prior to the company filing and found, that while the company had experienced a small loss at year end and another small loss at the end of the first quarter, there wasn’t any reason to reduce coverage. What wasn’t anticipated: these small losses resulted in the company’s bank refusing to renew the Line of Credit and then the company’s inability to find new financing in today’s market.\nIn the case of Norgate Metal, the company lost money on a contract due to the last minute withdrawal of a subcontractor. The loss caused the debt-to-worth ratio to increase substantially and the company’s bank immediately pulled the Line of Credit. Prior to this one loss, the company had operated successfully for many years and had a reasonable balance sheet.\nIt appears that the liquidity crisis in the banking system and the banks’ objective of raising Tier 1 capital is forcing banks to focus on credit quality and whereas, they were previously prepared to be patient and waive violations of covenants, they are now reacting more quickly. In a December 1, 2011, article in Canada’s Globe and Mail, Report on Business, Central banks in bid to pull Europe from the doldrums, Marius Kloppers, CEO of BHP Billiton is quoted as saying, “trade finance - a cornerstone of the international banking industry long dominated by European lenders - has become harder to get.” This statement supports the premise of my November 2011 blog post that described how banks are now seeking more support from credit insurance markets to support their normal documentary credit business, which is critical to smooth transaction of international trade.\nCredit capacity is a finite amount. This is particularly true in the credit insurance industry. If banks and major commodity exporters use the market to support their sales and lending capacity, credit is going to become scarce very quickly. This situation will be exacerbated if banks become more adverse to risk and begin calling loans or refusing to renew credit lines on reasonable terms. Such a situation would again result in high levels of claims and overdue accounts being submitted to underwriters. As we saw in 2008, a similar situation resulted in a reduction of capacity and the withdrawal of credit limits on buyers around the world.\nCredit management in too many companies, especially in North America, is often reactionary and based on historic experience and information. I don’t think even the most optimistic economists are forecasting strong growth over the next five years, which will allow the countries and the banking system to reduce enormous debt loads. The most radical of austerity measures will only reduce the deficits in most countries. The bleeding continues. Now is the time for prudent and professional credit managers to develop a strategy to not only survive, but to improve market share.\nThe fact that banks are striving for credit quality will result in more companies either having their Lines of Credit pulled or not renewed. The economy suffers. Bankruptcies are going to happen quicker and with less warning. What is your company doing to position itself a winner?\n(Ron Doyle is a founder of Millennium CreditRisk Management – credit and political risk insurance specialists – www.mcm.ca. ICBA is the world’s largest team of independently-owned, specialist trade credit insurance brokerages. Partners combine local service with global coordination to provide credit and political risk insurance solutions for multinational companies.)", "domain": "economics"}
+{"url": "https://www.europeancma.com/decoding-the-odds/", "date": "2024-02-28T05:26:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474697.2/warc/CC-MAIN-20240228044414-20240228074414-00008.warc.gz", "language_score": 0.8992304801940918, "token_count": 831, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__157316927", "lang": "en", "text": "Betting odds are a fundamental aspect of the gambling industry, reflecting the probability of a particular outcome. They serve as a bridge between the mathematical world of probability and the real-world application of betting. This article explores the intricate process of how betting sites calculate odds, delving into the mathematical models, market influences, and technological tools that shape these numbers.\nThe Mathematical Foundation\nUnderstanding the calculation of betting odds requires a grasp of the underlying mathematical principles. This section explores the fundamental concepts and models used in determining odds.\nProbability and Odds:\nProbability is the measure of the likelihood of an event occurring, expressed as a number between 0 and 1. Odds, on the other hand, are a ratio that compares the probability of an event happening to it not happening. The conversion between probability and odds is a crucial step in the calculation process.\nModels and Algorithms:\nBetting sites often employ complex mathematical models and algorithms to calculate odds. These models take into account various factors such as past performance, player statistics, weather conditions, and more. Algorithms analyze this data to predict the likelihood of different outcomes.\nMargin and Overround:\nBetting sites add a margin to the odds to ensure profitability. This margin, or overround, is the percentage by which the total probabilities exceed 100%. It represents the bookmaker’s advantage and is a vital component in the odds calculation.\nThe mathematical foundation of odds calculation is a blend of probability theory, statistical models, and business considerations. The conversion of probabilities into odds, the application of predictive models, and the incorporation of a margin are key steps in this process.\nMarket Influences and Adjustments\nMarket forces and human judgment play a significant role in shaping betting odds. This section delves into how external factors and expert analysis influence the odds.\nSupply and Demand:\nOdds are not static; they fluctuate based on the betting activity. High demand for a particular bet can lead to shorter odds, while lower demand may result in longer odds. This dynamic reflects the supply and demand principles of the market.\nBookmakers often employ experts to analyze games, players, and other factors. Their insights and judgments contribute to the fine-tuning of odds, adding a layer of human expertise to the mathematical models.\nThe competitive environment among betting sites also influences odds. Bookmakers may adjust odds to attract bettors, align with competitors, or respond to market trends.\nMarket influences and adjustments add complexity to the odds calculation process. The interplay of supply and demand, expert analysis, and competitive pressures shape the final odds, reflecting both mathematical precision and real-world dynamics.\nTechnological Tools and Automation\nTechnology plays a pivotal role in modern betting. This section explores the tools and automation that enable efficient and accurate odds calculation.\nSophisticated betting software integrates vast amounts of data, complex algorithms, and real-time updates to calculate and adjust odds. These tools provide the computational power needed to handle the multifaceted nature of odds calculation.\nAutomation and Real-time Adjustments:\nAutomation allows for continuous monitoring and real-time adjustments to odds. As games progress and new information becomes available, automated systems can swiftly update odds, reflecting the ever-changing nature of sports and betting.\nTechnological advancements have revolutionized the way betting sites calculate odds. From powerful software to automation, technology enables precision, efficiency, and responsiveness in the odds calculation process.\nThe calculation of betting odds is a multifaceted process that blends mathematics, market dynamics, human judgment, and technology. It’s a delicate balance that reflects the complexity of sports, the unpredictability of outcomes, and the business imperatives of the betting industry. Understanding this process demystifies the numbers that guide the world of betting, revealing a fascinating interplay of art and science, chance and skill, logic and emotion. Whether a casual bettor or a seasoned expert, grasping how betting sites calculate odds offers a deeper appreciation of the game, both on the field and in the numbers.", "domain": "economics"}
+{"url": "https://quertyjef.com/2019/01/24/a-visit-to-milky-way/", "date": "2019-08-20T09:48:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027315321.52/warc/CC-MAIN-20190820092326-20190820114326-00402.warc.gz", "language_score": 0.9403130412101746, "token_count": 3525, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__133282380", "lang": "en", "text": "The heart of Almarai’s success is the trust earned over 40 years of continuous commitment to quality.\nMission To provide quality and nutritious food and beverages that enrich consumers’ lives every day. Values Adaptable Sharing Passionate Innovative Respect Excellence\nVision:To be the consumer’s preferred choice by leading in chosen markets with superior food and beverage products.\nValues: Adaptable, Sharing, Passionate, Innovative, Respect, Excellence\nAlmarai’s core philosophy is commitment to providing excellent quality.\nAlmarai constantly seeks to provide its consumers with high-quality products; to implement the highest industry standards in every aspect of its operations; and to enhance the brand by building a very advanced infrastructure for production, marketing, and distribution. Since establishment in 1977, Almarai has grown through carefully planned investment to become the Middle East’s first vertically integrated dairy company and the region’s largest producer and distributor of food and drink. Almarai products are market leaders in Saudi Arabia and wider regional markets. Over the years, Almarai has diversified production to enter the juices, bakery, poultry, and infant foods sectors, to become a fully integrated company with regional coverage and market capitalization exceeding $12.5 billion. Within this widespread diversification and expansion, quality is always the founding principle, upholding Almarai’s commitment to achieving the highest standards on behalf of its consumers and justifying its motto: ‘Quality you can trust’.\nSultan bin Mohammed bin Saud Al Kabeer\nRenewed trust every day\nFor four decades, Almarai has been a highly trusted food and beverage brand offering high quality products across the Middle East.\nBy providing great products that meet people’s needs, Almarai has become an integral part of their daily lives.\nAcross the Middle East, people trust the Almarai name as a hallmark of quality, a reputation that has been carefully nurtured over the years.\nQuality is the highest priority every step of the way, right up until products reach the consumer. It applies equally to the care of livestock on Almarai’s farms, to laboratory research and testing, production control, and management of the retail supply chain.\nBecause Almarai owns most of its supply chain – from feed production to processing, packaging, and distribution – the company is able to maintain its exacting standards.\nCommitment to consumer satisfaction is the company’s main objective, supported by constant innovation. This is complemented by Almarai’s production, marketing, and distribution infrastructure, which enables daily distribution of fresh products to over 110,000 retail outlets across the six Gulf Cooperation Council (GCC) countries, Egypt and Jordan.\nFounded in 1977, Almarai has grown to become the Middle East’s largest food manufacturer and distributor. Diversification in recent years has added the Almarai range of juices; bakery lines under the L’usine and 7Days brands; poultry under the Alyoum brand; and Nuralac infant formula.\nProduct innovation and entering new categories are essential to business growth, continuing Almarai’s diversification drive. At any given time, at least 65 new products are under development and being evaluated for market launch.\nOnly the very best survive the rigorous process of quality assessment that determines the right to earn the coveted Almarai branding – and the consumer trust that it represents.\nDairy has always been the core of Almarai’s business. The vast product range includes fresh milk, laban, flavored milk, milkshakes, UHT and evaporated milk, cream, yoghurts, desserts, natural and processed cheeses, butter, and ghee.\nThe first diversification in 1999 launched fresh juices, which quickly became market leaders.\nExpansion into bakery followed in 2007 with two initiatives – the acquisition of Western Bakeries, and the creation of Modern Food Industries, a joint venture with Chipita of Greece and the Olayan Group.\nAlmarai launched poultry products in 2009 and has since expanded the range to provide a comprehensive offering to consumers.\nThe company has also developed specialized packaging to ensure optimum food hygiene and nutritional value\nIn 2010, a joint venture was formed with Mead Johnson to enter the infant nutrition market. Almarai took full control in 2014, launching its own brands: Nuralac and Nuralac Plus.\nWholesome goodness in every product.\nAlmarai assures the quality of all its products by using high-standard ingredients and applying stringent measures for food safety, from infant milk to the entire range of nutritional products.\n‘Quality you can trust’ is a far-reaching promise that applies to every aspect of Almarai’s business.\nAlmarai’s motto ‘Quality you can trust’ represents a commitment to implementing the highest levels of quality, thereby earning the trust of all stakeholders. The motto also encapsulates the company’s integral vision, from strategic decision-making by the Board of Directors to administrative and operational principles and practices at production level. Whether dealing with investors and business partners or developing advanced professional skills among employees, rigorous quality control is crucial to all aspects of Almarai’s operations.\nWithin the work environment, quality is the cornerstone for growth and overcoming its attendant challenges.\nIn achieving this, Almarai has worked with international experts to merge local skills with global expertise, collectively contributing to the establishment of a multinational work environment.\nIn terms of products, the quality and development department undertakes responsibility for quality assurance, and for seeking out healthy products that are rich in nutritional value and will satisfy all tastes. The department researches and studies consumer preferences, seeks to understand consumer needs, and analyzes all options that respond to these needs. Innovation in applying the most advanced technologies is therefore considered to be one of the most important elements that contribute to food product diversification and meeting consumer expectations.\nAlmarai implements the highest standards of health and food safety, demonstrated by the many accreditations granted by the International Standards Organization. This underlines the quality of Almarai’s unique ingredients and infrastructure, which unite the best farmlands, production plants, and modern distribution systems.\nAlmarai uses the best natural ingredients, sourced locally and globally, while implementing the most modern food technologies and building the most advanced production plants.\n1.Crop cultivation and selection\nQuality is the focus of all of Almarai’s farming activity, and that means using only the best animal feed. The company imports most of the feed: a crucial step for preserving domestic water resources. A growing proportion of forage already comes from farms in Argentina, the USA, and Europe.\n2. Extraordinary care for farm animals.\nAlmarai’s farms look after their livestock to an exceptionally high standard, ensuring maximum yields and quality. Dairy herds have 24-hour access to professional veterinary support, year-round shaded housing, and air cooling and showering. Poultry flocks receive equal best-in-class care, from highly nutritious feed to best-quality water and air control.\n3. Best-in-class manufacturing and processing.\nThe technology and capacity of Almarai’s manufacturing and processing capabilities are exceptional, with bakeries and factories delivering the highestquality output on a mass scale. Production facilities are constantly being expanded, renovated, and improved, as the company strives to operate to the highest standards of international best practice and meet ever-increasing demand.\n4. Exceptional transport and logistics capabilities.\nIn terms of the scale of assets, distances covered, and quantities delivered, Almarai’s Transport and Logistics division is larger than any logistics company in the Middle East. More than 7,700 trucks and cold trailers deliver close to two billion kilograms of products every day, on time and in perfect condition.\n5. Consumer insights and powerful branding.\nAlmarai has always worked to earn the trust of its consumers, and has become a brand leader that is known and loved by millions. Commitment to quality is at the heart of the company’s status as the Middle East’s leading food and beverage producer and distributor, and feedback is continuously gathered to help increase customer satisfaction.\nCare and corporate responsibility.\nUnderstanding the needs of Almarai’s customers is matched by equal commitment to the best interests of employees, its communities, and the environment.\nPeople development is central to Almarai’s philosophy as a responsible corporate citizen.\nA range of programs provide career growth. Almarai’s Dairy & Food Polytechnic trains more than 400 students every year, and the Graduate Professional Trainee program employs hundreds of talented fresh graduates.\nThe Almarai Sales Academy designs and runs competencybased development programs. The aim is to provide the highest standards and enable people to excel in their professions and grow in their careers, while meeting the organization’s succession plans.\nThe Almarai Driving School provides driving lessons for the lorry and heavy truck drivers who join the company every year as its fleet grows.\nEmployee welfare is equally important. The company applies international occupational safety and health standards, introduces policies to stimulate employee engagement, reviews wages regularly, and encourages positive communication.\nIn the broader sense, community involvement focuses on supporting education and excellence through initiatives such as the Almarai Award for Scientific Innovation, the Almarai Education Excellence Award for Arab students in the GCC, and the Almarai Award for Veterinary Excellence.\nThe entire concept of sustainability management is defined as the integrated management of economic, environmental, and social performance, with the goal of creating value for all stakeholders. Almarai considers this an essential part of business excellence.\nWater conservation and sustainable farming methods are central to fulfilling Almarai’s growth strategy. Hence the commitment it made in 2011 to invest significantly overseas.\nAlongside water conservation, a review of electricity consumption has led to a substantial reduction in the amount of power used by the company’s facilities, further reducing Almarai’s carbon footprint.\nLeadership through discipline.\nAlmarai is an axiom for corporate excellence, consistently returning impressive yields for investors through unwavering focus on performance.\nPowerful strands have been woven together over the years to form Almarai’s organizational robustness.\nFinancial performance and market leadership are the outward proof, but they are the result of Almarai’s underlying institutional strengths.\nLeadership starts from the top, and the Board of Directors and executive team set the tone for the entire business. All directors are highly qualified, with experience at the uppermost reaches of private and public sector governance. They bring a discipline born of many years at the forefront of their professions.\nAt the next level, members of the executive leadership team are hand-picked from around the world, acknowledged as experts in their respective areas of specialization.\nTogether, Almarai’s strategic and managerial strengths have been instrumental in achieving compound annual growth of close to 20 percent since 2001, giving Almarai shareholders a 22 percent return on investment since 2005, when the company was listed on the Saudi Stock Exchange.\nMore than 30 percent of sales revenue is reinvested into business development every year, a firm foundation that helps to ensure continuous growth.\nOutstanding boardroom and management performance is complemented by a shared commitment from employees – many thousands of well-trained and motivated people who take pride in their work and make an indispensable contribution.\nSuch capabilities and cohesion at all levels of the Almarai family – from the executive suite to the factory floor – form a unique asset that is admired throughout the business community.\nAlmarai’s unwavering focus on quality is also vital to creating such strong and familiar brands, and a business that maintains its consistent record of achievement. In recent years, the company has taken on a new international dimension, entering new regional territories and investing in farmland in the Americas and Europe.\nGlobal recognition has come from respected authorities such as Forbes magazine and the Financial Times, both of which have ranked Almarai highly in surveys of the world’s best-performing food and drinks brands.\n” Innovation is at the core of Almarai’s strategy. Consumers continue to benefit from high-quality food and beverages produced by a respected and trusted company.” Georges Schorderet Chief Executive Officer\nThe economy of scale.\nAs the world’s largest vertically integrated dairy producer, with a vast regionwide distribution network, diverse stakeholders benefit from the scale of Almarai’s business activities.\nAlmarai’s production and distribution cover the Gulf states, Egypt, and Jordan. Feedstock farms extend to Europe, the USA, and South America.\nAlmarai is the largest food manufacturer and distributor in the Middle East, with unique regional coverage and market capitalization of more than $12.5 billion. Since 1999 Almarai has diversified into juices, bakery, poultry, and infant nutrition. Between 1996 and 2006, gross sales doubled to $500 million. Since listing in 2005, sales have grown by 543 percent and net income by 396 percent, soaring to more than $3.7 billion since then. Today, total assets exceed $7.3 billion, with more than $4.2 billion invested in capital expenditure over the last five years.\nAlmarai’s farms occupy tens of thousands of hectares, and produce hundreds of thousands of tons of alfalfa and soybean every year. This feedstock is shipped to Saudi Arabia and the company’s dairy and poultry farms.\nThe cattle yards provide shaded housing, air cooling, and showers for Almarai’s herd of 170,000 Holstein cows. A team of 160 veterinary professionals tend to the entire herd, including the 200 calves born every day. Each cow produces more than 40 liters of milk daily, totaling around a billion liters annually. Poultry farms operate to the same exceptionally high standards. The poultry processing plant has production capacity of 200 million birds per annum.\nAlmarai’s manufacturing and processing capabilities are equally important in the company’s constant capacity growth. Capacity is always growing, such as new production lines that turn out 850 bottles of juice per minute. The company’s plant for infant formula is one of the most advanced in the world, with nutrition experts working tirelessly to create market-leading products.\nMore than 3,000 staff look after transport, warehousing, maintenance, planning, and 89 sales depots. They supply fresh dairy, juice, bakery, and poultry products to over 110,000 retail outlets – achieving 99 percent on-time delivery. At any given time, there are 1,300 Almarai trucks on Middle East roads.\nThe scale of operations now dwarfs the original 1976 founding concept, which was visionary in seeking to transform traditional dairy farming in Saudi Arabia to meet the needs of the burgeoning domestic market.\nInnovation is a strategy for growth.\nAlmarai’s constant quest for innovative products, operational improvement, and opening new markets illustrates the core principles embedded in the company’s corporate philosophy.\nAlmarai has three growth strategies: organic growth, product innovation, and geographic expansion.\nThe ‘Almarai for Innovation Management’ initiative that began in 2009 has been the main pillar in developing dozens of new products under various trademarks in different categories.\nGrowth has always been at the core of Almarai’s business, and the engine of its success, and it is now considered as greater priority, with a focus on further vertical integration and increasing market share. This applies to all categories – dairy, juice, bakery, and poultry – where organic growth will be supported by targeted diversification and new product development.\nIn terms of geographic expansion, Almarai entered Jordan and Egypt as prime territories for sales growth in all categories and is also exporting to other markets.\nQuality will always be fundamental, joined by sustainability as an essential prerequisite in implementing each of the three strategies.\nAlmarai is reducing the impact of its production on water resources in Saudi Arabia, applying an ambitious plan to import most of its feedstock in the near future by investing in farmlands overseas.\nInvestment in farmland in Argentina and the USA has now expanded to Europe, where large tracts have been secured in Poland and Ukraine, along with partners.\nThe feedstock, comprising more than 600,000 tons yearly, is shipped to Almarai farms in Saudi Arabia. This strengthens the vertical integration of the company and supports its sustainable growth.\nAlmarai’s three-pronged strategic plan – organic growth, product innovation, and geographic expansion – will enable the company’s return on investment and achievement of economic targets in its various sectors.\nThrough continuous plans to achieve sustainable growth, Almarai is always conscious of its responsibility towards consumers, investors, employees, and the community as it realizes its commitment to all, with quality that everyone can trust.", "domain": "economics"}
+{"url": "https://www.brainnest.consulting/", "date": "2023-02-06T04:00:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500303.56/warc/CC-MAIN-20230206015710-20230206045710-00690.warc.gz", "language_score": 0.9170735478401184, "token_count": 864, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__303102062", "lang": "en", "text": "Clients & employees retention rates\nCountries where we provide our services\nWHO WE ARE\nBrainnest offers the comprehensive capabilities and deep industry knowledge necessary to help you solve the most complex issues of your organization. Since opening our doors in 2020, we’re proud to say that each year we have a bigger list of returning and new clients. We’re Brainnest, and we can’t wait to start working together. We’re eager to map out the needs of your business and provide the necessary tools to achieve a successful future.\nFrom tackling personal decisions to reaching important milestones, our job is to guide you on the path of success. We are fueled by our commitment to excellence and go the extra mile to make sure clients are fully satisfied with our work.\nAs a professional Business Management Company, we believe in maintaining a positive mindset, creating partnerships with a purpose, and always striving for significant outcomes.\nWE ARE COMMITTED TO EXCELLENCE\nWHAT WE OFFER\nBrainnest provides comprehensible analyses of complex economic issues to assist in understanding the issues and opportunities that companies face. Our Economic Consulting practice is involved in a wide range of engagements related to economics, finance, and accounting. We provide critical insight and expert testimony in legal and regulatory proceedings.\nWe are well situated to advise domestic and multinational businesses on a variety of tax matters ranging from tax transaction support to best practice process implementation and structuring. Brainnest provides client-centric tax advisory services focused on mitigating tax risk and minimizing cost.\nFrom the back office and research lab to the factory floor and across your entire supply chain, we can help you develop an unconstrained, end-to-end program to transform your operations. We’ll ensure that you focus on the opportunities that maximize competitive advantage and strengthen the connection between operations and strategy.\nIn today’s world, you have to deliver great customer experiences in order to succeed. We provide the expertise and tools that help you figure out what matters most to customers, and equip your team to deliver delightful experiences while simplifying processes and eliminating costs.\nWe offer completely unique opportunities for students across the world. Our programs are specifically tailored towards students’ success, combining theoretical concepts with real-world practicality in applying these studies towards their fields. We partner closely with companies who understand that our students are hardworking, dedicated, and think outside of the box.\nFor clients who need full\naccounting support, Brainnest is here to help. Using tools such as QuickBooks, Accounting CS, and UltraTax CS, we can help manage payroll, profit sharing plans, Accounts Receivable and Payable, and any other aspect of your business along with tax preparation at year-end.\nWe drive transformation and build businesses by bringing together the capabilities needed to help organizations grow and thrive in the digital age. We help our clients harness the power of data and artificial intelligence, modernize core technology and capitalize on new technology, optimize and automate operations, fuel digital growth, create stunning digital experiences, and build digital talent and culture.\nIn an era of disruption, strategy is more important than ever. We offer creative solutions that have helped companies across the world develop and execute winning strategies. We bring unrivaled capabilities, tools, technologies, and talent to every engagement, augmented by an ecosystem of best-of-breed partners that provide specialized expertise.\nThe complexity of financial systems and globalization of business processes challenge organizations to preserve and analyze transactional data to identify relevant transactions specific to litigation and to prevent and detect fraud. Brainnest provides an in-depth analysis of financial, operational, and transactional data\nHELPING BUSINESSES BLOSSOM\nIf you also want to cooperate with Brainnest,\nfeel free to contact us!", "domain": "economics"}
+{"url": "https://blog.owntrail.com/fundraising-in-crisis-advice-from-founder-to-investor/", "date": "2023-03-20T13:02:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943483.86/warc/CC-MAIN-20230320114206-20230320144206-00476.warc.gz", "language_score": 0.9698389768600464, "token_count": 829, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__277659566", "lang": "en", "text": "There have been a lot of perspectives shared by VCs about managing startups during the age of Coronavirus, from Sequoia’s Black Swan warning to Haystack’s advice for fundraising during a pandemic. As a first-time founder experiencing a rather jarring beginning to entrepreneurship due to the sudden state of the world, these perspectives have been really insightful and appreciated.\nPerhaps due to the power dynamics involved, there has been less advice shared from the entrepreneur perspective. I am a member of several different female founder groups, and am actively raising a pre-seed round for the startup that I am co-founding, OwnTrail. From that vantage point, I wanted to share some advice to investors on behalf of entrepreneurs.\nCommunication is Key\nDuring the 2008 recession, I remember Zillow’s CEO Rich Barton saying to the company: “It’s times like this that we learn who our true friends are”. Those words ring very true for me today. Every single person is going through a wide range of emotions right now, including fear, sadness and confusion. That’s a given. It’s how we deal with those emotions that really reveals how dependable and resilient a person is.\nAs founders, one of the biggest things we notice about investors during a time of crisis — and always — is how well they communicate with us. We’re not necessarily expecting a definitive yes or no answer in this time of uncertainty, but we do expect great investors to keep the conversation open as both of us navigate unforeseen complexities.\nInvestors, if you were in conversations with a founder, had verbally committed to an investment, or were reviewing term sheets, be responsive and let them know where you stand now. This difficult and unprecedented moment in history will eventually pass, and the entrepreneurs who make it out the other side will remember who their true friends were.\nWho to Bet On\nA big part of deciding to found a company, and deciding to invest in that company, is evaluating and mitigating risks. The interesting thing about living in this new reality is that our usual rubric for risks needs to be recalibrated.\nIn addition to the somewhat obvious risks around business models (those that rely on in-person interactions and supply chains will now struggle more than those that can be made virtual) and stage of business (early-stage businesses that were planning to be pre-revenue this year will now be less impacted than those with ambitious revenue forecasts), I also suggest a recalibration of what investors look for in founders.\nStatistically speaking, the trends in investments tend to skew towards those identities that have a “proven track record” of founding successful companies, which of course creates a self-fulfilling prophecy based on who has been funded historically. There is plenty of research showing the tangible effects that biases and pattern-matching have on investing decisions.\nInvestors, I would suggest that at an unprecedented time like this (and also… yesterday), you start to place more bets on the founders that haven’t historically been bet on: women and founders of color. We are the ones that haven’t gotten used to anything being handed to us, have had to work twice as hard to prove ourselves, and have the grit and scrappiness to make it through this crazy time. And the date backs that up… BCG found that companies with a female founder generated twice as much per dollar invested. As Tribute CEO and founder Sarah Haggard pointed out, “many female-founded and minority-owned companies live and breathe in a ‘recession’ mindset all year round.”\nThere is a through-the-roof level of uncertainty and risk in the world right now. How we react to that, and how we value and take care of each other, is going to make the biggest difference in how we emerge from this. Communicate, take the right risks and, most importantly, lift each other up. We’ve got this.", "domain": "economics"}
+{"url": "https://toronto-bulletin.com/volatility-playbook-3-stock-picks-for-conservative-investors/", "date": "2022-05-16T19:37:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662512229.26/warc/CC-MAIN-20220516172745-20220516202745-00659.warc.gz", "language_score": 0.9586799144744873, "token_count": 569, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__267724719", "lang": "en", "text": "These 3 Low-Volatility Names for a Mixed Market\nInvestors’ ability to deal with volatility in the markets will ultimately determine their long-term success. We’ve recently been treated to some of the best years in the history of the stock market, which is why many are having a tough time adjusting to the difficult market conditions occurring thus far in 2022. It’s difficult to predict how volatility will continue. However, it is important to have a solid playbook to handle big moves to the upside and take advantage of stocks that perform well in a “risk off” tape.\nIf you are looking for a place to start when dealing with volatility, it is worth focusing on low beta stocks that have a tendency to be resilient to market downturns. These stocks are great for conservative investors. They provide steady gains over the long-term, so adding shares even if they are pulling back could be a long-term profitable investment.\nBelow is a list with 3 stock picks that conservative investors should consider to help them understand the type of names they might be interested in adding to this challenging market.\nPepsiCo (NASDAQ: PEP)\nPepsiCo, a blue-chip company that makes consumer staples like PepsiCo, tends to be resilient in times of volatility. It’s also one of the few bright spots in a market where there is little. PepsiCo is a global leader in food and beverages thanks to its diverse product portfolio. PepsiCo is expected to see organic sales growth as the economy recovers. However, a renewed focus on growing its healthy product lines could provide another growth driver.\nConsumer preferences are changing to favor these types of health-conscious snack foods, and PepsiCo’s products like Sabra Hummus, Baked Lays, and Bubly sparkling water tell investors that the company’s management understands the growth potential there. PepsiCo’s defense properties are also great. The company will have demand in any economy. Finally, the company has a 0. 66 beta value, a history of dividend growth, and a share repurchase program make this an ideal pick for conservative investors to consider.\nBerkshire Hathaway Inc (NYSE: BRK.B)\nBerkshire Hathaway, which is a conservative stock, is a great one to own for its exposure to the insurance industry. Warren Buffett, a legendary investor, is the head of Berkshire Hathaway. This should give investors additional confidence that their capital will be in good hands. Berkshire Hathaway, in addition to insurance, is a holding company offering exposure to financial services, energy retailing, manufacturing and other industries. This is an attractive selling point.\nWhat’s also nice here is that the company generates a ton of cash each quarter t", "domain": "economics"}
+{"url": "http://2daynewsupdates.blogspot.com/2011/05/bipasha-basu-detained-at-mumbai-airport.html", "date": "2017-03-30T18:35:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218199514.53/warc/CC-MAIN-20170322212959-00028-ip-10-233-31-227.ec2.internal.warc.gz", "language_score": 0.9916771054267883, "token_count": 199, "dump": "CC-MAIN-2017-13", "global_id": "webtext-fineweb__CC-MAIN-2017-13__0__81254299", "lang": "en", "text": "Bipasha Basu detained by Mumbai customs department\nAfter Minnisha Lamba, it was actor Bipasha Basu's turn to be intercepted by Customs officials at the Chhatrapati Shivaji International Airport on Thursday.\nBasu, who was returning from London, was asked to pay Rs 12,000 as duty after undeclared goods, including sun-glasses, shoes and perfumes worth Rs 65,000 was found in her bags.\n“She was not detained. She was asked to pay duty and let off,” said Additional Commissioner, Customs, Mahendra Pal.\n“She was going through the green channel. The value of the goods was not significant enough, so we just asked her to pay duty and let her go,” said a Customs official at the airport.\nLast week, Lamba ran into trouble with the Customs after she was found to be carrying undeclared diamond jewellery worth Rs 31 lakh.", "domain": "economics"}
+{"url": "https://www.markrjohnsongames.com/2021/12/06/urr-0-9-update-buying-selling-trading/", "date": "2024-04-18T00:20:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817184.35/warc/CC-MAIN-20240417235906-20240418025906-00834.warc.gz", "language_score": 0.9563116431236267, "token_count": 2719, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__132298633", "lang": "en", "text": "Ultima Ratio Regum 0.9 is mostly about procedurally generating the game’s items:\nWith the item generation itself complete (and with coins and currencies also generating), the next thing was to get items appearing in shops. This meant returning to the code that generates all possible items, and then integrating that with the code for generating a shop; now when a shop is first created the game creates a list of possible items that might appear in that shop from the much wider list of items that civilization creates, and then it puts one on each of the “stall” tiles within the shop. If the list runs out, it then reshuffles the list and “deals” out items again. This means that for some shops you’ll see similar items cycling relatively quickly, such as armour shops for example, while others – such as book shops – continue to produce a large range. Some shops, such as general stores (can spawn any low- or medium-quality item from that civilization), antiques shops (can spawn any high quality item from that civilization), curiosities shops (can spawn any medium- or high-quality item from any other civilization), can therefore have extremely large libraries that cycle around again. In turn, because some shops define particular categories (e.g. “low quality novel”) rather than specific items (a specific low-quality novel), variation can also occur there. In the picture below you’ll see a range of different shops I’ve collected from various places, selling various different sorts of goods. In all cases I’ve tried to make sure the colours of the items are logical for what the item is, and that each category of item has a different character. For example, in the top-left of these you’ll see rings and necklaces (I suspect it is obvious which is which) with the rings in this shop being turquoise, jade, silver, iron, and platinum. The others are necklaces, whose colour (dark grey, silver, gold) again reflects the actual material you see in the image of the item. In the other examples here you can see shops selling armour, various kinds of ammunition, shields, wine, wooden and pottery goods, pocket watches, antiques, ambergris, spices, maps, mining tools, and almost anything else you could think of.\nThe second step was to get their images appearing correctly. Every generated item naturally has a generated image, and we need to move these out of the separate program I design the graphics in (this being far, far faster than testing them within the game itself) and into the game. This might seem like a totally trivial thing, but in the graphics-creation program all the variables that might lead into the creation of an item are randomised, because in the real game they would be connected to generated civilizations – that don’t exist in the graphics creation program! So every “leadership = random.choice([‘Monarchy’,’Theocracy’,’Representation’,’Stratocracy’])” had to be corrected to “leadership = civ.leadership” for the appropriate civilization, and so forth across every variable (policies, aesthetic styles, home terrain, names of settlements, etc etc etc) that might feed into every possible generated item. This wasn’t particularly cognitively demanding but did take a little while – making the graphics separately and importing them in is still a hundred times faster, even with this tiresome final step, but this did take a little while to fully implement. Nevertheless, with this done, you could then look at any of the items on sale in a shop, and – drumroll! – get a lovely generated image and a little description to go with them. Here I am browsing through a general store:\nThe next step was to restructure the inventory. When I began working on 0.9 the inventory looked like this…\n…and that was fine, but now I had all the items generating, it was immediately clear that some of these categories were going to become absolutely swamped with stuff (i.e. the trade goods category) while others would be relatively lacking, and that this would both generate an interface issue (and an aesthetic one) but would also make it trickier to locate the exact items you want to do something with, at a proper speed. As such, five new categories in the inventory have now been added – “weapons” (melee, ranged, etc), “ammunition” (musket balls, gunpowder, arrows, bolts, etc), “games” (board games, but also more later on), “tools” (pickaxes, shovels, watches, etc), and “survival” (the three basic resources for travelling, i.e. water, food, and supplies), each with an appropriate new icon and the rest of the sequence appropriately re-ordered. (“Keys”, “Notes”, “Scrolls” and “Tablets” do not presently exist, but will be popping up in the future). This then yields this:\nWith the inventory now updated the next step, of course, was to create the interface for buying / selling / trading. This is a pretty crucial part of the game so I took some time over this. The first thing was to figure out what I could fit into the screen’s size, and although it would have been lovely to fit in a) images of the items you’re thinking of buying/selling, b) images of the currency you’ll be using, c) a list of the items you’ll be buying/selling and how much it’s going to cost you, and d) any comments or questions from the person you are buying/selling from/to, it quickly became clear only three of these could fit and something would have to go. As such, the left side of the screen shows you the item you’re discussing (a) then on the right-hand side you have a list of what you are currently trading (c) and words from the person you’re haggling with (d). You can then look at the various things the person has for sale and select the ones you want, and on the right-hand side the price will update and show you a list of all the things you presently intend to buy. This looks like this in a specialist store…\n…and something like this in a store with multiple item categories, e.g. a “General” store, an “Antiques” store, or a “Curiosities” store:\nYou then select what you want to buy by pressing enter on the items you want, and then when you press enter you are given the option of adding them into your inventory or shipping them to any other nation you are thus far aware of.\nNow then, what about trading and selling? Given the lack of fantasy elements and more generally the tone of the game, we’re not going for the sort of in-game inventory where you can hold as much as you want (a la Dark Souls) nor the sort of in-game inventory where your carrying capacity is limited by an essentially arbitrary number of things (a la Dungeon Crawl Stone Soup), nor something where carrying capacity is a matter of the size of your items and organizing them appropriately (a la Resident Evil 4). After a lot of consideration and trying to combine both the interest in some of the detailed trading mechanics I have in mind here, and a degree of realism, and some long-term strategic choices it should be interesting for the player to make, I’ve settled on a two-part inventory system. Half of the inventory is the normal inventory as above, where your character carries items; all items now have a weight value, and over that weight value it takes you twice as long to move around (in-game time, not player experienced time) or three times if you really overload yourself. All items now show how much they weigh. In turn, there is a second value now, size. This value does not relate to how much you can carry, but does relate to how much you can ship to other nations to trade. You can therefore carry items yourself to other places to trade, but the more efficient method is to ship them ahead of you – but this requires advance planning of where you’ll be going next. Each nation has a limited amount of warehouse space it automatically gives you, and this space can be increased by purchasing more room in that state. Then, when you travel somewhere else, you can sell the items you have in your inventory and the items you shipped there. In this regard I was partly inspired by the rise of letters of credit in the European banking system during the Reformation (for a fantastic history of this see the novel “Q”) and also partly by things like the Hawala system, which in a very different way “abstracts” out what is being moved around and traded. I think this system both reaches a high level of realism re: what the player can carry, but also allows for major and distinctive trading mechanics, and encourages strategic thinking re: planning out your future moves, where you’ll need money, where you’ll be able to get money, and so forth.\nAside from this, various other things have also now happened. You can now find currency exchanges in market areas…\n…and also when you enter and leave cities, something new now happens! This menu appears…\n…and you have the option to just go on (assuming you can afford it, if the city has an entry or district cost), back out, exchange currencies at the border of the city, buy supplies, boost how much storage capacity you have in that city (infinite in your home city), or (later) you’ll be able to fast-travel to some other land location, like taking a ship to another location but instead with a horse, carriage, etc.\n(You can see a tiny bit of final polish is needed here, but you get the idea)\nLastly, going back to shops, there is now a complex calculation for how much you can sell things for. Selling something in its home nation will always yield a lower price than it was bought for; nations with protectionist or planned economy policies will give you more money, but nations with free trade or mercantile policies will be far less impressed. In other nations, meanwhile, you are guaranteed as a basis a 15% boost in the sale price of anything you sell, and then many other factors come into play. For example, nations with policies clearly related to the item you’re selling will give you more money, so if you’re selling a history book to a trader from a nation with the “Antiquarian” intellectual policy, then naturally they’ll pay you far more. There are opposites to this, however, so philosophy and history books do not do well in states with the “Populism” cultural policy (it’s almost as if there’s a comment about the real world here). Some of these are complex, for example wine will sell better in a “Monastic” nation but only so long as the wine is of medium or high quality, but not low quality (since the monks have high tastes); while spirits will sell extra well in a “Conscription” nation but only at low and medium quality (since the conscripts can’t afford the highest quality drinks). There are also calculations whereby some nations will be particularly fond of goods from other nations regardless of what is being sold, and that boosts all prices – while other nations have the opposite, and dislike goods from particular places. It’s a complex set of calculations, and I haven’t listed all the factors here, but basically I wanted to ensure that a) it was logical to the player where things would fetch a high price, but also b) that this calculation was something the player would come to uncover in a given world, organically developing a sense of what the particularly good trade routes are.\nOh, and appropriate armour and jewellery and so forth now also appear on NPCs! There are of course many variables that determine what sorts of things they’ll be wearing, and especially what might be on a necklace or a ring that person is wearing, but this nicely adds to the variety of the game world – and, of course, now guards and soldiers are no longer walking around witout any clothes on, which I think we can all agree is a massive improvement.\nRight, I think that’s everything for now! This is such an exciting update and I’m really pleased to finally be able to share it. There might be one last update before the actual release, but if not, come back on DECEMBER 31ST for the 0.9 release, and all the procedurally generated items you could ever want!", "domain": "economics"}
+{"url": "http://www.ideg.org/newideg/index.php?option=com_content&view=category&layout=blog&id=30&Itemid=41", "date": "2017-04-30T14:40:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917125654.80/warc/CC-MAIN-20170423031205-00005-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.942240297794342, "token_count": 472, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__64138121", "lang": "en", "text": "This program addresses issues of economic and social development policies and their effect on growth, poverty reduction, wealth creation and distribution in the medium to the long-term. Ghana’s rate of economic growth has been projected at 20 percent per annum, as the economy expands into oil and gas production and export from late 2010. What are the implications of such a steep growth, from the current 4-5 percent, for poverty reduction, inequality and sustainable development in the country? The projected growth has raised expectation that Ghana’s aspiration to be a middle-income economy would be met sooner than expected. There are also expectations that such a high level of growth will facilitate the structural transformation of the economy, especially in agriculture, industry and services, strengthen production, create employment, improve the wellbeing of poor farmers, and access to high quality of education at all levels.\nHowever, questions have been raised about whether such growth will also spur the establishment of a democratic developmental state in Ghana and improve natural resource and environmental governance, while bridging the urban-rural and regional development gaps in the country. To address these issues, systematic studies and critical analysis areto be undertaken,under this programme, to improve knowledge and inform the making of cutting edge policy decisions. Taking a rights-based and political economy approach, specific studies are also undertaken to understand trends in Citizens’ and other stakeholders’ participation in economic and social policy formulation and implementation, the crafting of national consensus and influence over policy choices and outcomes, and improvements in public financial management and revenue generation and utilization.\nQuestions of national ownership of economic and social policies and their impact on national development and social cohesion would are also investigated here. Further, studies are carried out to critically monitor and analyze compliance with the directive principles of state policy (1992 Constitution) in the formulation and implementation of national development plans for the medium and long terms. Against the backdrop of the growth of an emergent economy, this programme also undertakes reviews of global and regional development frameworks, such as Poverty Reduction Strategy Papers (PRSPs), Millennium Development Goals (MDGs) etc. and their impact on Ghana’s relations with the international financial institutions and bilateral donors are monitored. Finally, the effects and implications of the development of regional economic communities and trends towards continental political and economic integration on national development are also critically studied.", "domain": "economics"}
+{"url": "http://mef.net/membership-overview", "date": "2017-02-25T20:48:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501171834.68/warc/CC-MAIN-20170219104611-00357-ip-10-171-10-108.ec2.internal.warc.gz", "language_score": 0.9313979148864746, "token_count": 713, "dump": "CC-MAIN-2017-09", "global_id": "webtext-fineweb__CC-MAIN-2017-09__0__169671898", "lang": "en", "text": "With over 200 leading member companies, including 130 service providers, The MEF is a California, USA registered 501 c (3) industry association that is the enabling force for the development and implementation of agile, assured and orchestrated Third Network services for the digital economy and the hyper-connected world. Third Network services are delivered over automated, virtualized, and interconnected networks globally powered by Carrier Ethernet 2.0 (CE 2.0), Lifecycle Service Orchestration (LSO), SDN, and NFV.\nCE 2.0 is MEF’s globally adopted services framework and the foundation for new services innovation. The current annual market for Carrier Ethernet products and services is approximately $80B.\nThe MEF is also facilitating industry neutral implementation environments for service orchestration (OpenLSO) and L2-L7 connectivity services (OpenCS) based on Open Source, SDN and NFV, as well as current commercial PNF products.\nMEF’s Certification Programs, established for over 10 years have led to certification of compliance with MEF standards by the majority of the industry’s leading companies within the MEF membership.\nBeyond certification, MEF provides a broad range of marketing capabilities that provide MEF member companies of all sizes in all geographic locations with unique, powerful and very cost-effective customer-networking and profile-raising opportunities.\nKey benefits of membership for hardware and software solution providers include:\n- Advance visibility into relevant industry technical standards developments\n- Ability to influence standards to align with corporate objectives\n- As a key contributor, achieve thought leadership in front of MEF’s 130+ SP members\n- Achieve corporate and individual visibility and recognition via participation in MEF Marketing activities (e.g. webinars and seminars)\n- Leverage the MEF global community of peer contacts\n- Get your products certified\nMEF members include Tier 1,2 and 3 service providers (approx.130), hardware and OSS/orchestration software providers, test labs and test equipment and test software providers. In 2016 and 2017, considerable growth from SDN and NFV technology providers is expected as our work increasingly leverages these technologies.\nMembership is geographically dispersed with approximately 50% from North America, 23% APAC, 21% EMEA and 6% CALA. Africa and CALA will lead the regional growth as emerging markets move to interconnect with the global community using standardized CE 2.0 services.\nThe MEF membership meets quarterly and, between meetings, projects are progressed via a collaborative wiki workspace and online meetings (MEF provisions GoTo Meeting for all projects). Quarterly meetings take place in January, April, July/August and October each year. They are 4 days in duration and take place in North America (x3) and Europe (x1) with typically 150-250 people attending - including leading subject matter experts.\nNot only are these very important meetings for influencing MEF work, but also for networking informally with industry thought leaders, subject matter experts in all fields and customers (actual or potential) during our cocktail receptions, corridor meetings and evening dinners. https://www.mef.net/news-events/mef-quarterly-meetings\nThere is a single category of membership – Principal company membership with an annual fee of $17,250. There are no charges for quarterly meetings or LSO Hackathon participation. There is no limit on the number of participating individuals for a given member company.", "domain": "economics"}
+{"url": "https://620f8f1b9f6a9.site123.me/blog/benefits-of-selling-your-house-to-cash-buyers", "date": "2022-07-05T16:31:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104585887.84/warc/CC-MAIN-20220705144321-20220705174321-00006.warc.gz", "language_score": 0.9777203798294067, "token_count": 599, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__35566373", "lang": "en", "text": "Selling your house is never easy. It is even more complicated when you want to sell your house quickly. There are different reasons why homeowners may be forced to sell their homes. If you are relocating due to work-related reasons, or you have built a bigger home for your family. You could also relocate because you want to find a better environment and schools for your family then you have to find a suitable home buyer quickly. In addition, you can sell your home because you have a pending bill and you have no finances to pay for it. In this case, many people choose to sell assets, and a home is such an asset that it can allow you to get fast cash.\nThere are different ways you can use to sell your home. However, not all are ideal for selling your house fast. Take, for example, if you choose to list your home with real estate buyers. Selling your house can take months or years. You have to follow a procedure before listing and even getting a potential buyer. You will be asked to renovate, change the curb appeal, de-clutter, and many other things that can cost you money and take a long time. If you opt to sell by placing a placard at the front of your yard, this will also take time.\nHowever, this particular option stands out it can assist you in selling your home fast and get the amount you need urgently. This is selling your house to cash buyers. Cash buyers can buy your home within the shortest time possible, and therefore homeowners will not be forced to wait. There are many reasons as to why I would sell my house fast houston texas to cash buyers which is a great option.\nFirst, cash buyers won't ask you to renovate. No painting, no changing the curb appeal. Instead, these experts will buy your home like it is, which is essential and helps you save the spending extra. Another advantage is that they will offer a free evaluation service. You won't have to pay an evaluator to come and assess your home. Instead, the cash buyer will do the evaluation on your behalf for free. You don't have to go through listing your home on different platforms to find a suitable buyer. Instead, the cash buyer will find a qualified buyer within a short period, eliminating any delays. This saves you time and the energy you would have spent looking for a suitable home buyer, negotiating the buying price, etc.\nAnother advantage of trusting cash buyers is that these experts do not charge any fee for their service. Instead, they help you to sell your home fast for free. Selling your home has never been this easy. You will be able to sell your home and get the amount you need quickly. Again once you sell your home to the cash buyers, they pay you in cash. You don't have to wait any longer to get the amount you need. You get the amount the same day or in less than one week.", "domain": "economics"}
+{"url": "http://pingchai.com/", "date": "2024-02-21T00:36:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473360.9/warc/CC-MAIN-20240221002544-20240221032544-00700.warc.gz", "language_score": 0.9617899656295776, "token_count": 146, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__110993822", "lang": "en", "text": "Zhejiang Pingchai Pump Industry Co., LTD was founded in 1991. is located at No.15 Huancheng West Road, Pingyang County, Wenzhou City, Zhejiang Province. Pingchai as a manufacturer specialized in manufacturing and developing engine oil pump for passenger cars and commercial vehicles. The company covers an area of 20 acres with buildings area of 20,000 square meters and more than 200 employees. Pingchai has a research and development team with over 30 years of professional production experience, more than 200 advanced flexible manufacturing equipment and professional testing equipment. With an annual production capacity of 1 million oil pumps, it provide high-quality oil pumps for international market and service for OEM customers in domestic market.", "domain": "economics"}
+{"url": "https://ru-news.ru/hollywood-replaced-with-bollywood-in-russian-theatres/", "date": "2023-03-20T15:28:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943484.34/warc/CC-MAIN-20230320144934-20230320174934-00616.warc.gz", "language_score": 0.9606680870056152, "token_count": 663, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__60967369", "lang": "en", "text": "Russia Looks Elsewhere For Movie Entertainment\nDespite the tumultuous history of Russia with the West, Hollywood blockbuster movies have nevertheless created a profitable industry in the country over the past decades. Now, with mounting sanctions cutting off trade and a boycott by Hollywood and western film industries, some of Russia’s biggest cinemas chains have announced that they will be showing a different line-up in movie entertainment. This will include domestically produced content, as well as movies from India, South Korea, and Latin America.\nPresident of the Karo cinema chain, Olga Zinyakova, told Russian newspapers that she doesn’t believe the current situation to be hopeless. After all, she says, Russian audiences have proven to have shown great interest in Bollywood films over the decades. South Korea and Latin America have likewise become major players in the global film industry.\nForeign films have long accounted for around 75 percent of the Russian box office, with cinema-going one of the most popular leisure activities of the general public.\nKhwaja Ahmad Abbas’s 1949 film, Dharti Ke Lal, was the first Indian film to be dubbed into Russian and viewed at Russian cinemas. However, it was in the mid 1950s, during the era of actor-director Raj Kapoor, that Indian movies became steadily more a staple of Russian cinemagoers. By the time of the collapse of the USSR, over two hundred Indian films had been screened around the country. Often, they proved to be among the most successful of foreign films or remakes, racking up millions of ticket-sales.\nThe 1972 film “Seeta aur Geeta”, for instance, a story about twins separated at birth and happily reunited later in life, became so popular in Russia, that a famous pair of Siamese twins born in Kyrgyzstan were given the names Seeta and Greeta by their parents. Former deputy prime minister, Vladislav Surkov, once alsoopenly admitted his love for Indian cinema.\nRussia has also been showing a keen interest in securing diplomatic relations with many South American countries in recent years, such as Nicaragua, Venezuela, Cuba, Brazil and Argentina. This has lead to various partnerships in Russian and Latin American film and television, such as the recent collaboration between Russian production powerhouse, Central Partnership, and the Latin American film group BF Films.\nThe growing success of South Korea’s film industry has also been producing a wealth of quality cinema recently, with Bong Joon-ho’s 2019 film “Parasite” receiving multiple awards, including an Oscar, at film festivals all over the world in all the most distinguished categories.\nWith Hollywood holding far less of a monopoly over international cinema than it has in past decades, the Russian cinema industry hopes that the combination of the world’s other film industries, as well as their own, will suffice to satisfy Russian audience during the troubled times ahead.\nThe leading cinema chains and theatres include Cinema Park, Formula Kino, Premier Hall, Karo, and Kinomax. Even though their film profile will be changing like the numbers in the bingo Australia offers, they are vowing to keep the prices of tickets at a low and affordable level.", "domain": "economics"}
+{"url": "https://canadianfuturestrader.ca/bulenox-withdraw-payout-process/", "date": "2023-09-23T23:51:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506539.13/warc/CC-MAIN-20230923231031-20230924021031-00144.warc.gz", "language_score": 0.9480234980583191, "token_count": 1329, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__289287067", "lang": "en", "text": "Bulenox payouts and Bulenox withdrawals are fairly simple. All the details are below. In summary, your first few months you will be able to withdraw but with some caps on the amount. After month four you can withdraw as much as you can make!\nBulenox is looking to build long term relationships with futures traders, and I highly recommend them.\nI always recommend visiting Bulenox and reading their rules before joining. While I do my best to keep my site up to date, if the rules change ultimately what Bulenox has on their website is what matters.\nBulenox Profit Split\nThe first $10,000 earned is 100% the traders.\nThereafter $40,000, Bulenox keeps 20% of the profit the remaining 80% is received by the trader.\nAfter the withdrawal of the first $50,000, the Bulenox keeps 10% of the profit, the remaining 90% is received by the trader.\nBulenox’s percentage is charged at the time of transfer of funds to a personal bank account.\nBulenox Payments and Withdrawal Requests\nPayment can be requested anytime during the calendar month. All payments are processed on the 1st and 16th day of every month.\nThe request for the 1st payout can be performed after Trader has traded for at least 20 or more individual trading days. A request for the 2nd and 3rd payments can be performed after the Trader has traded at least 12 individual trading days after Trader’s last withdrawal. 4th and subsequent payments can be requested anytime.\nThe minimum withdraw of 1-3 payments is $1,000. (For $10,000 account the minimum withdraw is $500) The maximum withdraw amount depends on the account size:\n- $25,000 account – $1,000\n- $50,000 account – $1,500\n- $100,000 account – $1,750\n- $150,000 account – $2,000\n- $250,000 account – $2,500\nBulenox Withdraw and Payment Methods\nBulenox withdrawals can be requested via ACH/Wire Transfer, Paypal, Zelle, Payoneer.\nBulenox Safety Threshold\nThe withdrawal safety threshold reserve is defined as the minimum amount required to remain in the Trader’s Account to be able for withdraw.\n- 50,000 Account – $2,600\n- $100,000 Account – $3,100\n- $150,000 Account – $4,600\n- $250,000 Account – $5,600\nSubject to the provisions of Master agreement with Bulenox, Trader is entitled to withdraw safety threshold reserve upon the termination of Master agreement.\nBulenox and Income Taxes\nWhen a trader requests a withdrawal, a tax form will also be sent to pay taxes to an address that has been provided in the personal profile.\nTraders who trade and receive payment on the Master Account are independent contractors. Form 1099-Misc Non-Employee Compensation will be mailed for US citizens or W-8BEN for foreign citizens.\nBulenox Advanced Trading and Custom Trading Accounts\nThe Master Account intended for advanced training and paid based on performance. Traders with proven results-oriented for a long-term relationship would receive on an individual basis a unique offer from our capital partners. The conditions and terms are discussed individually with each trader. The trader has a choice to continue to trade on the Master Account or to be transferred to our partners’ account.\nBe Notified Of New Trader Evaluation Promotions\nSubmit your email if you want to be notified of new trader evaluation promotions. I never spam nor sell anything. Usually 2-3 emails a month are sent with the latest deals.\nFutures and forex trading contains substantial risk and is not for every investor. An investor could potentially lose all or more than the initial investment. Risk capital is money that can be lost without jeopardizing ones’ financial security or life style. Only risk capital should be used for trading and only those with sufficient risk capital should consider trading. Past performance is not necessarily indicative of future results.\nHypothetical Performance Disclosure:\nHypothetical performance results have many inherent limitations, some of which are described below. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown; in fact, there are frequently sharp differences between hypothetical performance results and the actual results subsequently achieved by any particular trading program. One of the limitations of hypothetical performance results is that they are generally prepared with the benefit of hindsight. In addition, hypothetical trading does not involve financial risk, and no hypothetical trading record can completely account for the impact of financial risk of actual trading. for example, the ability to withstand losses or to adhere to a particular trading program in spite of trading losses are material points which can also adversely affect actual trading results. There are numerous other factors related to the markets in general or to the implementation of any specific trading program which cannot be fully accounted for in the preparation of hypothetical performance results and all which can adversely affect trading results.\nYou can read more here: Risk Disclosure\nThe external links on my site and in my video descriptions to trader evaluation companies and software companies are primarily affiliate links. I earn a commission from these companies on any sale made from people visiting these links. That said, I only recommend companies and software I personally use and actually do recommend. Believe me, I turn down a lot of companies who approach me. You can read my full Affiliate Disclosure here.\nThe content provided is for informational purposes only. I do my best to keep the content current and accurate by updating it frequently. Sometimes the actual data, rules, requirements and other can differ from what’s stated on our website. CanadianFuturesTrader.ca is an independent website. You should always consult the rules, faqs, knowledge base and support of any of the websites and companies we link to or talk about on our site. The information on their site will always be what ultimately dictates the current rules of their program, software or other. While we are independent, we may be compensated for advertisements, sponsored products, or when you click on a link on our website. The contributors and authors are not registered or certified financial advisors. You should consult a financial professional before making any financial decisions.", "domain": "economics"}
+{"url": "http://priorymethodistchurch.org.uk/church-life/each-week-at-priory/restawhile", "date": "2017-11-22T19:56:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-47/segments/1510934806660.82/warc/CC-MAIN-20171122194844-20171122214844-00565.warc.gz", "language_score": 0.9608767032623291, "token_count": 378, "dump": "CC-MAIN-2017-47", "global_id": "webtext-fineweb__CC-MAIN-2017-47__0__46498223", "lang": "en", "text": "In 1969 a group of people got together and decided that the church could be used to benefit the town by offering a tea and coffee service.\nOn 2 January 1970, Priory Rest-a-While opened its doors for the first time, offering tea and coffee with a biscuit, to senior shoppers at a reasonable price.\nToday Priory Restawhile is still going strong, offering tea and coffee including decaffeinated, in large or small cups with a biscuit, or you might like a Hot Chocolate or a nice cool orange juice. We now open our doors to ALL shoppers, any age, and our prices are still reasonable.\nRestawhile has become a place not just to get a cup of coffee from but it’s also a place to meet with friends and have a chat, or to come in and have a chat with the servers, it’s a place that you can come to feel welcome and cared for. If you visit us for the first time please introduce yourself to us, you will be sure of a warm welcome.\nRecently Restawhile has become a supporter of Fair-trade products, all our tea, coffee, hot chocolate and sugar is Fair-trade. Fair trade seeks to transform the lives of poor producers in the developing world by enabling them to use their skills and resources to trade their way out of poverty.\nFair trade sets out to:\n• create opportunities for poor producers\n• ensure trading practices are fair, both in terms of payment and\n• ensure that children are not being exploited\n• ensure there is no discrimination\n• ensure working conditions are safe.\nFighting Poverty through Trade.\nRestawhile is open on market days (Tuesday, Friday and Saturday 10.00am - 11.45am), come and have a rest and join us for a cuppa.", "domain": "economics"}
+{"url": "https://steepedmonkeybrains.com/products/smok-tfv8-baby-coils", "date": "2022-09-27T19:15:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030335054.79/warc/CC-MAIN-20220927162620-20220927192620-00716.warc.gz", "language_score": 0.9081277251243591, "token_count": 287, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__67338020", "lang": "en", "text": "SMOK TFV8 Baby/Mini Coils\nVaping Excise Tax coming October 1st\nVaping products containing nicotine will now be taxed in Canada as of October 1st, 2022.\n+ Eliquids produced/imported BEFORE Oct 1st will not be taxed.\n+ Eliquids produced/imported AFTER Oct 1st will include the new vape tax.\nNot all products will see a price increase immediately. As old stock sells through, new stock will reflect the new price with tax.\nStock up now before prices start to increase in October!\nClick here for more details about the Canada Vape Tax.\nReplacement coils designed for the Smok TFV8 Baby. Not compatible with the original TFV8.\nBaby V2 S2 (Now called \"Mini\")\n- Quadruple Mesh - 0.2ohm\n- 30W - 70W (Optimal At 45W - 60W)\n- Designed for the Smok Stick V9\n- Sold in 3/pack\n- V8 Baby-Q4 (Now called \"Mini\")\n- 30-65W (Optimal 50-60W)\n- Designed for the TFV8 Baby/Big Baby Beast\n- Sold in 5/pack\n*X-Baby Coils, Baby V2, and Baby coils are not cross-compatible.", "domain": "economics"}
+{"url": "https://en.alfanotv.com/apps/what-is-bitcoin-btc/", "date": "2023-05-30T12:05:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224645595.10/warc/CC-MAIN-20230530095645-20230530125645-00454.warc.gz", "language_score": 0.9551973938941956, "token_count": 588, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__210567092", "lang": "en", "text": "Bitcoin is an electronic currency that allows payments to be made through the Internet and is characterized by the fact that it does not depend on a central entity, and can be transferred directly from person to person without intermediaries.\nIts rapid expansion has caused it to be accepted to pay for services and consumption in businesses throughout much of the world. Even formal banking has already begun to treat it as one more asset.\nThe technologies that support Bitcoin\nFor its creation, different digital technologies were brought together, including cryptography and P2P network technology, but one of those that gives it security and reliability is Blockchain technology.\nWhat is Blockchain?\nThe Blockchain is an advanced mathematical system that acts as an infallible accounting system for all transactions made with the currency.\nBlockchain is essentially a decentralized and public database that stores transactions made with bitcoins.\nThe entire history of transactions is replicated in each of the computers that participate in the Blockchain and is validated by themselves through complex mathematical operations.\nCryptography and a chain of blocks intervene in this validation, which gives its name to Blockchain technology and makes the accounting book unalterable.\nHow does Blockchain work?\nFrom an original transaction, a record (block) is created for each new subsequent transaction. This block includes a timestamp, a fingerprint strongly protected by cryptography and also refers to the fingerprint of the previous block so they are connected to form a chain.\nAt the end of a validation process, the block chain (the accounting book) is automatically updated throughout the Blockchain network, making it almost impossible to falsify it without the consent of the other participants.\nBut what is a bitcoin?\nBoth the currency and the protocol (software) to create it were devised by an obscure character named Satoshi Nakamoto whose whereabouts are currently unknown. His objective was none other than to encourage money transactions without the intervention or control of an intermediary entity.\nBitcoins are generated by an activity known as mining and that works within the platform. This activity consists of validating transactions in exchange for a reward in the same currency or fractions thereof. Once these new units are generated, they are placed on the market.\nThe first transaction (genesis block) generated by the Satoshi Nakamoto gave a reward of 50 BTC (bitcoins). From this movement of money, the following mining activities began within the platform, always based on Blockchain technology.\nHow much is a bitcoin worth?\nThe current value of this cryptocurrency, also named after the cryptographic systems that protect it from counterfeiting, fluctuates based on supply and demand. However, it is estimated that in 2025 it will cost $100,000.\nIf you want to know its current value, you can use various bitcoin calculators that work online. For this, just do a search on Google, Bing, Yahoo or the web search engine of your choice.\nImage by 3D Animation Production Company from Pixabay", "domain": "economics"}
+{"url": "http://www.manlikebeast.com/2018/11/", "date": "2019-06-24T08:46:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627999298.86/warc/CC-MAIN-20190624084256-20190624110256-00475.warc.gz", "language_score": 0.949997067451477, "token_count": 1667, "dump": "CC-MAIN-2019-26", "global_id": "webtext-fineweb__CC-MAIN-2019-26__0__55620533", "lang": "en", "text": "# 1 Invest the money you do not need\nThe fatal mistake is to invest the money you need. Imagine that you have a sum of money to finance your retirement or to buy your home.\nWhat would be your state of mind when you put this money on the stock market with the risk of losing everything. You will have such pressure that you will be unable to reason properly and keep your cool.\nAt the slightest complication, you will not even wait for your invalidation threshold to sell your positions. Thus, you will accumulate small losses which, put end to end, will end up seriously starting your capital of departure .\nNever forget that investing in the stock market can be very risky because you could lose all of your starting capital . There are even financial instruments like futures contracts that can make you lose even more than the starting bet. You will understand then that it is totally inadvisable to go into debt to invest in the stock markets.\n# 2 Clarify your expectations and goals\nclarify his investor profileBefore you start trading , you have to ask yourself about your expectations and objectives. Is it to make capital grow for your retirement, to pass it on to your children or simply as an alternative to saving no more money?\nPersonally, my goal is to invest a small seed money that I do not use in an immediate project. This capital is reserved for my stock market investments and will not be used for other purposes. I place this money on the stock market to make it grow according to my own trading strategy based on the technical analysis of stocks and trackers.\nYou will also need to determine the period of time you will invest. Is it a medium-term investment over a few years or a long-term investment over 10 years?\nIt is important to answer these questions because the answer is decisive in the selection of the financial product and the investment method . Indeed, if you only have capital for one or two years, it is not appropriate to invest in government bonds that are often preferred for long-term investments. You will not adopt either an investment method based on fundamental analysis because it only bears fruit on long terms (3, 5 or even 10 years).\n# 3 To get started on the stock market, define your investor profile\nOnce you have clarified your expectations and objectives, move on to the next step and define your investor profile. There are two big schools to invest and start trading well.\nThe fundamental analysis is based on the interpretation of accounting ratios and financial (to compare companies among them) to identify investment opportunities (eg the price / earnings ratio).\nYou invest for the medium to long term in the hope of gaining capital gains and dividends . Fundamental analysis is particularly recommended if you are investing for the long term.\nIndeed, the fundamental analysis is to bet on the performance of a company , the marketing of a product or a service or the restructuring by a competent management .\nIn other words, the results can take several years to appear and have a positive impact on the company’s stock price.\nThe technical analysis is to identify opportunities starting from the graphical analysis of the current and the interpretation of technical indicators . This is the investment method that I chose because it offers the advantage of investing also in the short-term, the medium-term and even in the longer term.\nTechnical analysis is a very personal investment method because you can build your own strategy . It is suitable for both aggressive traders and less risky investors.\nknow your investor profileIf I had to define my own investor profile? It is obvious that I am a short-term investor. I usually keep my positions for several weeks but rarely more than two months. I use exclusively technical analysis, chartism (study of stock charts) and Japanese candlesticks (graphical indicator). The latter are also very useful because they allow me to analyze the psychology of the market on highs or lows. They are often fearsome for identifying buying or selling signals.\nThe technical analysis allows me to identify trends market and confirm my position. In addition, the chartism gives me indications on the psychology of the stock markets. Thus, I can anticipate over several weeks the realization of a chartist figure and take a position accordingly.\n# 4 Write a trading plan\nYou now know your investor profile, it only remains to plan your investments ! Prepare a trading plan that will clearly reflect your objectives, your investor profile and your investment method.\nDefine which financial product you are going to treat and hold a watchlist . It takes the values that you think have significant potential. It is based on this list that you will trade when the stock markets are open.\nMy trading plan can be summed up in a little notebook that I always have at my disposal. I detailed my trading strategy, the technical indicators that I use and the conditions necessary to proceed with the purchase:\n3-moving average bullish configuration : The 5-day moving average is above the 20-day moving average, which is also higher than the 50-day moving average.\nThe RSI indicator that measures real profits online buying or selling pressure must be bullish. Graphically, this indicator bounded between 0 and 70 must be greater than 40.\nThe stochastic oscillator should be bullish (the signal line% K is greater than the slow curve% D) and should be above 30.\nCourses in the high range of Bollinger Bands\nToo often, I forgot to write down the reasons for placing an order on the stock markets. This made any exercise of hindsight and improvement impossible. I understood that it is imperative to learn from his mistakes and I am now improving my trading strategy for several years by analyzing each of my orders a posteriori.\nFinally, at the close of markets, I maintain my watchlist . This includes all the values that seem promising from a technical analysis point of view. I monitor them closely, annotate the course graphics and indicate the conditions that would push me to buy. It becomes very easy to refresh this list daily and remember when to invest in value.\n# 5 Manage the risk of your stock market portfolio\nA stock market must be diversified, ie you have to vary your investments in different sectors of activity and possibly in different economic zones. However, we must not fall into the other way through which would be to multiply the positions in the portfolio. In general, a stock market portfolio contains between 8 and 12 stocks .\nIn addition, set your maximum risk of loss over your entire portfolio (for example 2%) and replicate this risk on each position to maintain control over your potential losses. The money management allows you to properly arbitrate your wallet.\nMy stock market portfolio consists of a maximum of 7 to 8 stocks . I do not want to dilute the performances of positions that I consider promising.\nIn addition, I want to focus totally on these few positions and analyze day after day their performance and the validity of my approach. As far as my risk aversion is concerned, I assume that a risk / benefit ratio should be at least greater than 2 .\nFirst I calculate my target price and my invalidation threshold and finally, I control the risk / benefit ratio. This is the only way to know if the game is worth the effort.\nThese few principles will help you get started on the stock market and avoid the most common pitfalls. Here are some tips that I think are effective, but it’s up to you to define your own approach and your trading strategy. Starting on the stock market takes time but one or two hours a day will already be enough to seriously constitute a stock market portfolio.\nDo not forget to share blogs or forums with the traders community to benefit from their experience. Also share your successes or failures with other trading enthusiasts.\nThanks to Maxime for this article which I hope will have enlightened you a little more on stock market techniques, especially on technical analysis. I particularly enjoyed sharing his graphical analysis techniques and the indicators used.\nIf you want to continue on this topic you can read the article Learn the stock market on the blog . You do not feel ready yet to get into this field but you are looking to make money on the internet, go to the article to make money online .", "domain": "economics"}
+{"url": "http://www.sheetpilingservices.com/", "date": "2022-01-23T05:56:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320304134.13/warc/CC-MAIN-20220123045449-20220123075449-00376.warc.gz", "language_score": 0.9211603999137878, "token_count": 101, "dump": "CC-MAIN-2022-05", "global_id": "webtext-fineweb__CC-MAIN-2022-05__0__153362238", "lang": "en", "text": "Sheet Piling Services, LLC\nFounded in 2015 in Rosholt, WI by John and Brian Ostrowski. SPS specializes in the installation and removal of sheet piling across the United States. Our founding members have over 65 years of construction experience with over 30 of those years within the pipeline and sheet piling industries. SPS employs dedicated professionals with high levels of experience in the construction and sheet piling industry. We provide knowledgeable, economical, and safe service while developing and maintaining strong business relationships.", "domain": "economics"}
+{"url": "https://bayfieldcounty.wisavetogive.com/closing.html", "date": "2024-04-14T10:36:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816879.25/warc/CC-MAIN-20240414095752-20240414125752-00549.warc.gz", "language_score": 0.9440487623214722, "token_count": 825, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__36051144", "lang": "en", "text": "You’ve found your perfect second home, so let’s walk through what happens over the next couple of weeks. Just a few more steps before you step through the door of your Pacaso!\nThe path to closing\nReserve your share\nPacaso schedules a call to kick off your closing. You’ll sign the residential purchase agreement and addendum. You’ll receive instructions on how to wire your deposit, which is 10% of the share price.\nReview and sign documents\nYou’ll receive two packets of documents to review and sign. The first includes the house policy, program manager agreement, inspection report and seller disclosures. The second has the operating agreement and ACH form for monthly operating expenses.\nIf you are financing a portion of your purchase, you must provide Pacaso with your most recent pay stub, bank statement and tax return. In addition, you will need to supply a credit report authorization.\nPrepare for closing\nPacaso schedules a check-in call 5 days before closing. We’ll review your closing statement and wire instructions for sending the remaining funds. We’ll confirm all documents are signed and verify your first stay date.\nCongratulations, you are now a Pacaso owner! It’s time to crack open the champagne and share the good news about your second home with your family and friends. Now, just one more step.\nFollowing closing, schedule an onboarding session with your home manager. Download the Pacaso app so you can start booking your stays, and get ready to enjoy your new second home!\nWhat to expect as an owner\nOur support doesn't end at closing. Pacaso takes care of your home, so you can just show up and relax. Our ongoing services include property management, bill payment, maintenance and more. Owners are responsible for the home's monthly operating expenses, such as utilities and cleaning. Pacaso passes these costs through to owners, with no markup, based on the number of shares owned. We charge a $99 monthly fee for our management services.\nAre closing costs included in the price?\nYes, real estate closing costs, such as title fees and commissions, are already included in the share price. If a buyer chooses to finance up to 70% of their purchase through Pacaso’s banking partners, an additional financing fee will be assessed at closing.\nDoes the Pacaso program management fee go up each year?\nNo, our program management fee is a fixed $99 per month.\nCan Pacaso make changes to the owner operating agreement?\nMaterial changes require an ownership vote. Pacaso has limited authority to make non-material changes (e.g., change of address for state reporting purposes) on behalf of the ownership group.\nCan Pacaso raise monthly operating expenses?\nAll operating expenses are passed through at cost, and all cost statements are available to owners upon request. Pacaso cannot increase its fees without cause. As the LLC manager, we will only increase what is collected from owners as necessary to cover a change in household expenses (e.g., an increase in insurance rates).\nWhere do the reserve funds go and how are funds used?\nReserve funds are held in the individual LLC's bank account, managed by Pacaso. Funds are only used for the home’s repairs and maintenance. When the need for a major repair arises, Pacaso will allocate funds after a transparent competitive bid process.\nWhat if another owner defaults? How does Pacaso protect me as an owner?\nPacaso serves as the corporate guarantor of any share financing protecting you should another owner default. In the unfortunate event of an owner default, Pacaso will step in to service the loan. If not resolved within 90 days, we will foreclose on that specific share and manage the resale without any disruption to the ownership group.", "domain": "economics"}
+{"url": "https://myandroid1.com/apple-sees-iphone-revenues-fall-in-q1/", "date": "2020-08-09T16:28:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439738562.5/warc/CC-MAIN-20200809162458-20200809192458-00039.warc.gz", "language_score": 0.9383949041366577, "token_count": 1084, "dump": "CC-MAIN-2020-34", "global_id": "webtext-fineweb__CC-MAIN-2020-34__0__146841267", "lang": "en", "text": "Apple on Thursday reported revenue slipped because it boosted income from companies and wearables in a pandemic-cobbled begin to the yr for the iPhone maker.\nApple Sees iPhone Revenues Fall in Q1\nRevenue dipped to $11.2 billion (roughly Rs. 84,800 crores) on gross sales of $58.Three billion (roughly Rs. 4.41 lakh crores) within the fiscal second quarter, in comparison with internet earnings of $11.7 billion (roughy Rs. 88,600 crores) on income of $58 billion (roughly Rs. 4.39 lakh crores) in the identical interval a yr earlier.\n“Regardless of COVID-19’s unprecedented world influence, we’re proud to report that Apple grew for the quarter, pushed by an all-time report in companies and a quarterly report for wearables,” chief government Tim Cook mentioned in an earnings launch.\nApple shares had been down greater than two % in after-hours trades that adopted the discharge of the earnings figures.\nIncome from iPhones — the massive earnings section for Apple lately — dropped some seven % from a yr earlier to $29 billion (roughly Rs. 2.18 lakh crores) in an interval the place smartphone gross sales have been sagging.\n“Everybody knew that March could be tough for Apple, however, given the results of coronavirus on provide chains in China and demand all over the place, Apple’s efficiency was fairly stable,” mentioned eMarketer analyst Yoram Wurmser.\n“On this atmosphere is spectacular, notably given a few of the extent of Apple’s publicity to the sooner lockdowns in Asia.”\nThe pandemic hit Apple on a number of fronts, disrupting its suppliers in China and the funds of its clients.\nPrepare dinner mentioned throughout a name with analysts that Apple feels its provide chain rebounded nicely from the pandemic disruption and that whereas it would “tweak” it with classes discovered it was not planning any dramatic shift from counting on companions in China.\n“In the event you have a look at the shock to the provision chain that passed off this quarter, for it to come back again up so shortly actually demonstrates that it is sturdy and resilient and so I be ok with the place we’re,” Prepare dinner mentioned.\n“That mentioned, we’re all the time taking a look at tweaks.”\nApple was on tempo for a report monetary quarter earlier than the pandemic derailed lives and economies, in accordance with executives.\nApple noticed clients return to its shops in China after they had been re-opened in March, however foot visitors is lower than it was previous to closures, Prepare dinner mentioned.\nWith its provide chain “again up and operating,” Apple was optimistic that gross sales exterior China will acquire momentum as restrictions on individuals’s actions are lifted.\nDistant work and studying traits have ramped up curiosity in iPads and Mac computer systems, and Apple is seeing revved demand for digital choices similar to music, streaming tv, apps, and cloud companies, in accordance with chief monetary officer Luca Maestri.\n“Clients are actively participating with our ecosystem and digital companies,” Maestri mentioned.\nIncome from Apple companies grew 17 % within the quarter to an all-time excessive of $13.Three billion (roughly Rs. 1 lakh crores).\nIn the meantime, Apple smartwatches with options similar to heart-rate monitoring are being utilized in telemedicine, together with iPads, in accordance with Prepare dinner.\n“In gentle of the COVID-19 pandemic, a worldwide lockdown, with shops closed throughout the globe we might characterize these outcomes as a significant feat in a darkish storm,” Wedbush analyst Daniel Ives mentioned in a observe to traders about Apple earnings.\nIn early April, Apple unveiled a brand new entry-level iPhone, aiming to enchantment to shoppers dealing with a out of the blue bleak financial backdrop.\nThe up to date iPhone SE has a beginning worth of $399, or lower than half the worth of its flagship gadgets.\nThe premium smartphone market, the place iPhones dominate, has been “saturated” for some time and other people have been ready longer to improve to new fashions which have lacked modifications dramatic sufficient to encourage spending.\nThe pandemic “wreaked havoc” on the smartphone market throughout the first three months of this yr, with total shipments falling 13 % to 272 million models, in accordance with business tracker Canalys.\n“Demand for brand spanking new gadgets has been crushed,” mentioned Canalys senior analyst Ben Stanton mentioned of the smartphone market.\n“Poor enterprise outcomes, worker redundancies and furloughs are inflicting quite a lot of nervousness and uncertainty.”\nIn a presence of confidence, Apple’s board of administrators accepted placing one other $50 billion (roughly Rs. 3.78 lakh crores) of the corporate’s money reserves towards shopping for again shares and bumped up the dividend to 82 cents per share of widespread inventory.", "domain": "economics"}
+{"url": "https://primeoffer.com/homebuyers-cut-competition-offering-cash/", "date": "2021-04-20T19:38:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618039490226.78/warc/CC-MAIN-20210420183658-20210420213658-00429.warc.gz", "language_score": 0.965103268623352, "token_count": 1205, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__16987187", "lang": "en", "text": "Homebuyers are finding one way to win the real-estate bidding wars popping up throughout central Ohio: pay in cash.\nThe percentage of central Ohio homes bought without a mortgage has risen dramatically the past few years as the housing market has regained footing.\nAccording to the real-estate information service RealtyTrac, more than four in 10 central Ohio homes bought in the first quarter of 2014 were paid for with cash — twice the percentage reported a year ago.\nCorporate investors, who buy homes to rent to tenants, account for most of that activity, especially last year when they paid cash for hundreds of central Ohio homes sold by Fannie Mae and Freddie Mac.\nBut even among routine listings, bought by owner-occupants, the number of cash transactions has skyrocketed.\nAccording to the Columbus Realtors trade group, 24.6 percent of central Ohio homes sold this year through the Multiple Listing Service have been cash sales — well above the 8.5 percent seen a decade ago.\nRetirees, downsizing from larger homes, help drive such purchases.\nBut also fueling the cash fire are buyers seeking leverage in case they end up in a bidding war for a home. Sellers typically prefer cash buyers because their offers have fewer strings attached that can slow down a deal, such as financing or an appraisal.\nAbout a year ago, when the market started heating up, Michelle Santuomo, an agent with RE/MAX Metro Plus in German Village, began recommending that clients pay in cash when able.\n“One of the things I’ve expressed with my clients is, ‘If you have the cash available, that will make your offer that much stronger. You can always go back and take out a mortgage after, but if you want to get this deal done, you might want to consider paying in cash.’ ”\nSantuomo estimates that she has represented 10 cash buyers in the past year, most of them investors, but some of them were clients looking for an edge in a bidding war.\nShe recently represented a woman shopping for a condominium in sought-after areas of Grandview Heights, Upper Arlington and the Short North. After discussing the market with her client, the woman’s parents agreed to buy the condominium and sell it to their daughter.\nSantuomo thinks the cash offer made the deal possible.\n“They did get into a (bidding) situation and won the deal. I think the cash made the difference.”\nA professional caretaker who paid cash on Wednesday for a Groveport house also thinks cash helped her secure the deal. The woman, who asked not to be identified, landed in a bidding war for the three-bedroom ranch listed for $49,000.\nShe ended up offering $61,000 in cash for the home, which was sold for less than the mortgage balance and therefore required the approval of the former owner’s bank.\n“I know the bank wanted someone paying in cash,” she said.\nShe moved into the home on Thursday and kept her previous home for her sons to live in.\nShe’s now looking for other homes to buy and expects to again pay cash, part of which she accumulated through a recent inheritance.\n“I don’t want any mortgage, any bills coming in,” she said. Most cash buyers, however, aren’t carrying thousands of dollars in their pockets — or their savings accounts. Like Santuomo’s client, they might borrow from families or draw on home-equity lines or other sources to make the deal, often with the expectation of getting a mortgage later.\nAndrew Show, with Buyer’s Resource Realty Service in Worthington, said he is working with clients using a home-equity line to buy a condominium for their son with the intent of refinancing the property later.\nMilt Lustnauer, a RE/MAX Premier Choice agent and this year’s president of Columbus Realtors, has been involved in similar deals.\n“Mom and dad and family members are stepping up to offer cash … and later going back and refinancing instead of making the offer contingent upon financing,” said Lustnauer, who said he’s handled four cash transactions in the past 30 days.\nRealtyTrac found that 42.7 percent of U.S. sales during the first quarter were cash transactions, but the percentage ranges widely from city to city.\nMetropolitan areas that attract a lot of retirees or vacation-home buyers see a lot of cash deals. In several Florida cities, cash accounted for 60 or even 70 percent of sales during the first three months of the year, according to RealtyTrac.\nAlso experiencing a lot of cash deals are metro areas such as Toledo, Detroit, Atlanta and Memphis, where housing is relatively cheap and investors are active.\nRealtyTrac Vice President Daren Blomquist said the percentage of cash deals appears to be declining a bit this summer, but he and others expect cash to play a major role in the housing market for the foreseeable future.\n“I think we’re going to see kind of the same market for cash over the next 12 months until there are some loosening lending restrictions, particularly around allowing more first-time homebuyers into the market,” Michael Mahon, the general manager and executive vice president of HER Realtors, said.\nSantuomo also thinks cash buyers will remain a big part of the market, at least until enough homes are offered for sale that bidding wars decline.\n“Obviously not everyone’s able to buy things in cash, but in this market, you have to be willing to put your best foot forward if you want to buy a home.”", "domain": "economics"}
+{"url": "http://www.securitiescep.com/how-to-get-a-mortgage-when-youre-self-employed/", "date": "2021-04-16T10:45:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038056325.1/warc/CC-MAIN-20210416100222-20210416130222-00162.warc.gz", "language_score": 0.9648817181587219, "token_count": 534, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__157451468", "lang": "en", "text": "Throughout the United States, more and more Americans are choosing to become self-employed rather than working for someone else. While there are many advantages of taking charge and becoming your own boss, there are also many drawbacks. Perhaps one of the most noteworthy disadvantages of becoming self-employed is trying to obtain a mortgage. While the steps associated with this process can be slightly more difficult when compared to a traditionally-employed individual, it’s not impossible.\nWhat to Expect When Obtaining a Mortgage\nPerhaps one of the most common elements you should expect when it comes to securing a mortgage when you’re self-employed boils down to interest rates. You should expect to pay a higher interest rate than someone who features a traditional job. In general, if you see an advertised rate, you should expect to pay a higher rate. These advertised rates are generally meant for borrowers who have verifiable, regular income ñ as well as super ideal credit scores. Because you may be a less attractive borrower, you may have to spend a decent amount of time shopping around for a mortgage lender and negotiating terms. Be prepared to demonstrate your financial security and ability to pay by providing several years worth of financial documentation.\nMortgage Options for Self-Employed Individuals\nAlthough obtaining a mortgage when you’re self-employed can be slightly more difficult, it’s not impossible. In order to increase the likelihood of securing a mortgage loan, you must be prepared to think outside of the box and seek out a mortgage from unlikely sources. Some of the most common mortgages for those who are self-employed include:\nStated Income/Stated Asset Mortgage: This type of mortgage is primarily based upon what you tell the financial institution what your income is. Unlike a traditional mortgage, the bank won’t actually verify this income. These are also called low-documentation loans. If you choose to go this route, be prepared to provide the banking institution with a variety of documentation such as invoices and other paperwork that proves your cash flow. You may also be required to showcase your recent tax returns.\nAlt-A Mortgage: This type of mortgage may be your ideal choice if your tax returns display a significant business loss or little profits. Because financial institutions take on a significant risk when it comes to lending to those with unverified income, you should expect to pay a high interest rate throughout the duration of your loan. These loans generally land between subprime and prime loans when it comes to interest rates. The reason for this is because you’re considered a more risky investment than someone who has a traditional job with more solid income verification.", "domain": "economics"}
+{"url": "https://freelancecoop.org/caresact/", "date": "2022-07-01T16:20:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103943339.53/warc/CC-MAIN-20220701155803-20220701185803-00178.warc.gz", "language_score": 0.9518595337867737, "token_count": 6419, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__271660988", "lang": "en", "text": "Updated: April 17, 2020\nThe Freelance Co-op is a cooperative of creative freelancers who work, create, and build our businesses using shared resources, knowledge, and experience. Studies predict that by 2027, over half of Americans will be freelancers and currently 47% of millennials do at least some freelance or contract work.\nThe Freelance Co-op provides legal resources, bookkeeping, client advice, marketing, scripts, templates and guides to make creativity sustainable.\nThis Freelancer’s Guide to the CARES Act is compiled from information from the most recent Federal Guidelines, text of the Coronavirus Aid, Relief, and Economic Security Act, The Internal Revenue Service, The Small Business Administration, and the US Chamber of Commerce.\nThis guidance is intended for US-Based freelancers. If you are or were recently employed full-time by a company, some of the information contained may not pertain to you. Consult your financial advisor or HR office for information about your specific situation.\nAs always, Information we share is not a substitute for legal, tax, or financial advice from a professional in any field. We are professionals and we’re sharing information related to our expertise. With that said, we are not substitutes for professionals that are up-to-date on legal and financial matters and who know your specific situation.\nWe also always recommend working with and seeking advice from professionals who are educated about the specifics of your industry, state, country, and other circumstances.\nPlease see our Earnings Disclaimer for further information.\nHere are some primary source links that we’ll reference throughout the guide and where you can do more comprehensive research on the CARES Act.\nThe most talked about section of the CARES Act is the “2020 Recovery Rebates” commonly known as Stimulus Checks.\nAbout 90% of Americans are eligible for this one-time $1,200 rebate. They are also eligible for an additional $500 per child.\nThe stimulus check will be paid based on information from your most recent tax return (2018 or 2019).\nTo qualify to receive a check you must:\n- Be a U.S. resident or citizen\n- Have an adjusted gross income under $75,000 ($112,500 for head of household and $150,000 married) — this is based on your most recent PERSONAL tax return (2018 or 2019 if you’ve already filed this year). This number can usually be found on line 8b of your tax return (IRS Form 1040).\n- Not be a dependant on someone else’s tax return\n- Have a work-eligible Social Security Number\nHow to get it\nIf you filed your 2018 taxes last year OR your 2019 taxes this year, you don’t have to do anything. In fact, DO NOT call the IRS or other financial advisors to check the status as this will impede their ability to get information and checks out in a timely manner. The IRS will calculate how much your check will be and distribute it however you typically receive tax returns (direct deposit into your bank account or with a paper check). The IRS has said that paper checks may take longer to receive than direct deposit.\nIf you haven’t filed taxes, the CARES Act instructs the IRS to let you know and send directions on how to receive it if they have not filed either a 2019 or 2018 tax return.\nPer the bill, you should receive a notice about how much you received and how it was dispersed. If you receive the notice, but no money, you can contact the IRS per the instructions on the notice.\nYou can check on the status of your payment at this site:\nWhen will I see my money?\nGovernment officials, including President Trump and Treasury Secretary Steven Mnuchin have said that checks will be distributed in about 3 weeks, but those with paper checks may take longer.\nThis is an extremely optimistic estimate as both the 2008 Stimulus checks from the Bush administration and 2009 checks from the Obama administration took 3-4 months to hit bank accounts for most Americans.\nPer the CARES Act, you should receive a notice about how much you received and how it was dispersed. If you receive the notice, but no money, you can contact the IRS per the instructions on the notice.\nWhat if my Adjusted Gross Income is over $75,000?\nRemember, this is on your personal tax return. If you’re a sole proprietor, this should be the amount you made after you deduct eligible business expenses.\nThe rebate amount is reduced by $5 for each $100 that a taxpayer’s income exceeds $75,000 or ($112,500 for head of household and $150,000 married). The amount is completely phased-out for single filers with incomes exceeding $99,000, $146,500 for head of household filers with one child, and $198,000 for joint filers with no children. For a typical family of four, the amount is completely phased out for those with adjusted gross incomes exceeding $218,000.\nWhat if I haven’t filed taxes for 2018 or 2019?\nYou should file as soon as possible so you can be eligible for the rebate. Contact your tax preparer or file free online through the IRS Free file program.\nWhat if the IRS doesn’t have my direct deposit information?\nPer the IRS, in the coming weeks, Treasury plans to develop a web-based portal for individuals to provide their banking information to the IRS online, so that individuals can receive payments immediately as opposed to checks in the mail.\nWhat if I’m a college student? Homeless? On SSI?\nYou’re probably eligible. More details can be found from the Senate Finance Committee here.\nWhat if I owe back taxes?\nUsually if you owe taxes or other debts, this is taken out of your tax return. But the CARES Act turns off just about all offsets, meaning you’ll likely still get the full amount. The only offset that is still enforced is if you owe past due child support that’s been reported to the Treasury Department from your state.\nThe CARES Act creates three new Unemployment Insurance Programs. They have confusingly similar names: Pandemic Unemployment Compensation (PUC), Pandemic Emergency Unemployment Compensation (PEUC), and Pandemic Unemployment Assistance (PUA).\nBecause I’m a copywriter, I’m going to refer to them a bit differently so that we all know what we’re talking about:\n- Pandemic Unemployment Compensation (PUC)- We’ll call this one “The Money Boost”\n- Pandemic Emergency Unemployment Compensation (PEUC) – We’ll call this one “The Time Boost”\n- Pandemic Unemployment Assistance (PUA)- This is “The Eligibility Boost”\nThe Money Boost (PUC) – In short, The Money Boost part of the bill adds $600 per week to whatever Unemployment Insurance you’re eligible for through your state. This includes people already receiving Unemployment Insurance through their state and new applicants through the PUA program. As of now, the increased amount is through July 31, 2020.\nThe Time Boost (PEUC) – This provides an additional 13 weeks of unemployment benefits. Currently, most states only provide unemployment for 6 months (26 weeks). This increases the timeline of benefits to 9 months in most states.\nThe Eligibility Boost (PUA) – This is the big one for freelancers. It expands who is eligible for unemployment benefits to self-employed workers, including independent contractors, freelancers, workers seeking part-time work, and workers who do not have a long-enough work history to qualify for state UI benefits. This program runs through December 31, 2020 and workers can receive retroactive benefits from January 27, 2020. That means you can apply anytime this year. Workers are eligible for 39 weeks of unemployment insurance.\nAnyone eligible for The Eligibility Boost is eligible for the time and money boosts, so we’ll just focus on who’s now eligible for Unemployment through PUA.\nApplicants will need to provide self-certification that they are (1) partially or fully unemployed, OR (2) unable and unavailable to work because of one of the following circumstances:\n- They have been diagnosed with COVID-19 or have symptoms of it and are seeking diagnosis\n- A member of their household has been diagnosed with COVID-19\n- They are providing care for someone diagnosed with COVID-19\n- They are providing care for a child or other household member who can’t attend school or work because it is closed due to COVID-19\n- They are quarantined or have been advised by a health care provider to self-quarantine;\n- They were scheduled to start employment and do not have a job or cannot reach their place of employment as a result of a COVID-19 outbreak\n- They have become the breadwinner for a household because the head of household has died as a direct result of COVID-19\n- They had to quit their job as a direct result of COVID-19\n- Their place of employment is closed as a direct result of COVID-19\n- They meet other criteria established by the Secretary of Labor\nSo if you’re self-quarantining, have local guidance to quarantine, your kids’ school was closed, or your client or place of work is closed, you qualify.\nHow to get it\nYou’ll apply through your State’s Department of Labor.\nMany states require you to file for unemployment benefits on the web. Some provide toll-free numbers or other ways to obtain assistance in filing.\nHere’s a link to find your state’s resources.\nHow much do I get?\nThis varies widely by state. Most states cover about 40-45% of your normal income. You’ll get the state’s normal unemployment formula plus the $600 per week “Money Boost.”\nSome states will send it all in one check and some will send the $600 “Money Boost” separately\nIf I’m a freelancer without a regular paycheck, how will they calculate what I get?\nPer Congress, the states are instructed to use the Disaster Unemployment Assistance Program formula. There’s a calculator on this page that can estimate your benefit.\nHow quick can I get money?\nSome states had a one-week waiting period that’s now been waived, but unemployment claims are at the highest level ever — about 5 times the level of the 2008 recession. So state systems were overloaded before this expansion… meaning it could take longer than usual to process your claim.\nThe CARES Act makes select changes to taxes and tax policies in order to ease the burden on businesses impacted by COVID-19.\n- Employers, including the self-employed, can delay the payment of the employer portion of the Social Security payroll tax for the remainder of the year and pay back the liability over the next two years.\n- You may be able to get a 50% tax credit on wages (up to $10,000 per employee) for employees that you retain during the COVID-19 crisis if your business was shut down in full or in part. This is to encourage businesses to keep paying employees.\n- Businesses that have net operating losses (NOLs) have some limitations relaxed. If your business had an NOL in a tax year beginning in 2018, 2019, or 2020, that NOL can now be carried back five years instead. This may improve cash flow and liquidity for some businesses. Pass-through businesses and sole proprietors will also be able to take advantage of the relaxed NOL limitations.\n- Businesses that were due to receive corporate alternative minimum tax (AMT) credits at the end of 2021 can instead claim a refund now, in order to improve cash flow during the COVID-19 emergency.\n- On your personal tax return, there’s a new deduction for up to $300 for charitable contributions. Previously, charitable contributions were only available for people who itemized their deductions. This new deduction is for you if you use the standard deduction formula.\nBusinesses are eligible for an employee retention tax credit if 1.) your business operations were fully or partially suspended due to a COVID-19 shut-down order; or 2.) gross receipts declined by more than 50% compared to the same quarter in the prior year.\nOther eligibility guidelines are still forthcoming from the IRS.\nHow to get it\nMost of these changes will apply to quarterly or yearly tax filings and guidelines have not been released from the IRS. Speak with your accountant or tax preparer about if you qualify for any of these new programs.\nThursday, April 2 we hosted a Stimulus Q&A with CPA Jonathan Medows. Access the recording here.\nFor the most up-to-date information, Join us for a LIVE Q&A with CPA Jonathan Medows. Thursday, April 2 at 1pm Eastern. Register here.\nThere are two major provisions in the CARES Act regarding Student Loans.\nFirst, Until Sept. 30, there will be automatic payment suspensions for any student loan held by the federal government.\nSecondly, employers can make student loan payments on behalf of their employees on a tax free basis, up to $5,250 annually. This means the loan payments would be excluded from the employee’s income. So if you have an LLC or Corporation and pay yourself a salary, you can pay your student loans through your company tax-free and it will not count towards your personal income.\nFor borrowers who withdraw from their school as a result of the coronavirus crisis, the Act requires the Secretary to cancel the borrower’s Direct Loan associated with the payment period in which they withdrew.\nMost federal loans from the last 10 years are eligible for automatic payment suspensions.\nF.F.E.L Loans, Perkins loans, and private loans are not eligible. Although, many private lenders have created their own emergency assistance programs.\nIf you pay yourself or other employees a paycheck from an LLC or Corporation, your company is eligible to participate in the employer program from March 27, 2020 through January 21, 2021.\nHow to get it\nMost loan servicers will automatically suspend payments and interest of federal loans. You should check your online account to make sure you have no payment due.\nPer the bill, you should receive a notice in the next few weeks about your specific loan.\nTo take advantage of the employer-repayment, contact your tax advisor about how to account for the payments.\nIf my payments stop, will interest continue to accrue?\nNo. The bill says interest will not accrue.\nWhat if I’m currently behind?\nAll collections like seizure of tax refunds or wage garnishment should be suspended per the bill.\nThere’s a few other provisions in the CARES Act that may apply to your situation.\nThe deadline to file (and pay) income taxes has been delayed from April 15 to July 15 for filing of 2019 taxes.\nThe bill puts a temporary, nationwide 120-day eviction moratorium in place with no fees or penalties for nonpayment of residential rent. (Some states have also expanded this program or have their own program, check here for your state)\nYou qualify for the eviction moratorium if your landlord has a mortgage through Fannie Mae, Freddie Mac and other federal entities.\nMenstrual products, over-the-counter medical products, such as drugs and surgical masks, and telemedicine are now eligible for reimbursement through health savings accounts and flexible spending accounts.\nThere are two main expansions of Small Business Administration Loans and Programs.\nFirst is a new program called the Paycheck Protection Program. This new program sets aside $350 billion in government-backed loans, and it is modeled after the existing SBA 7(a) loan program.\nPaycheck Protection Program loans can be forgiven in whole or part if used for payroll to retain or rehire workers through June 2020.\nThe SBA just issued guidance on the much-talked about Paycheck Protection Program.\nThe Paycheck Protection Program IS a forgivable loan program AND freelancers do qualify.\nHowever (and this is a HUGE However), at least 75 percent of the PPP loan proceeds shall be used for payroll costs.\nThat means, if you get a Paycheck Protection Program loan, you HAVE to use the majority of it to pay employees (NOT contractors).\nSo you will have to pay the loan back in full if you don’t have employees on payroll.\nSecondly, the CARES Act expands eligibility for the SBA’s Economic Injury Disaster Loans (EIDLs).\nThese changes include:\n- EIDLs are now also available to Tribal businesses, cooperatives, non-profits, and individuals operating as sole proprietors or independent contractors.\n- EIDLs can be approved by the SBA based solely on an applicant’s credit score.\n- EIDLs that are smaller than $200,000 can be approved without a personal guarantee.\n- Borrowers can receive up to $10,000 emergency grant cash advance that can be forgiven if spent on paid leave, maintaining payroll, increased costs due to supply chain disruption, mortgage or lease payments or repaying obligations that cannot be met due to revenue losses.\nUpdate (April 14, 2020)\nThe SBA just issued a new formula for calculating the advance.\nTo ensure that the greatest number of applicants can receive assistance during this challenging time, the amount of your Advance will be determined by the number of your pre-disaster (i.e., as of January 31, 2020) employees. The Advance will provide $1,000 per employee up to a maximum of $10,000.\nPaycheck Protection Program\nThe Paycheck Protection Program offers loans for small businesses with fewer than 500 employees, select types of businesses with fewer than 1,500 employees, 501(c)(3) non-profits with fewer than 500 workers and some 501(c)(19) veteran organizations.\nAdditionally, the self-employed, sole proprietors, and freelance and gig economy workers are also eligible to apply. Businesses, even without a personal guarantee or collateral, can get a loan as long as they were operational on February 15, 2020.\nThe maximum loan amount under the Paycheck Protection Act is $10 million, with an interest rate no higher than 4%. No personal guarantee or collateral is required for the loan. The lenders are expected to defer fees, principal and interest for no less than six months and no more than one year.\nYou qualify if you are one of the following:\n- A small business concern as defined in section 3 of the Small Business Act (15 USC 632), and subject to SBA’s affiliation rules under 13 CFR 121.301(f) unless specifically waived in the Act;\n- A tax-exempt nonprofit organization described in section 501(c)(3) of the Internal Revenue Code (IRC), a tax-exempt veterans organization described in section 501(c)(19) of the IRC, Tribal business concern described in section 31(b)(2)(C) of the Small Business Act, or any other business;\n- An individual who operates under a sole proprietorship or as an independent contractor or eligible self-employed individual, you were in operation on February 15, 2020. You must also submit such documentation as is necessary to establish eligibility such as payroll processor records, payroll tax filings, or Form 1099- MISC, or income and expenses from a sole proprietorship. For borrowers that do not have any such documentation, the borrower must provide other supporting documentation, such as bank records, sufficient to demonstrate the qualifying payroll amount.\nYou must also have been in operation on February 15, 2020 and either had employees for whom you paid salaries and payroll taxes or paid independent contractors, as reported on a Form 1099-MISC.\nEven if you meet the criteria above, you will be denied if:\n- You are engaged in any activity that is illegal under federal, state, or local law\n- You are a household employer (individuals who employ household employees such as nannies or housekeepers)\n- An owner of 20 percent or more of the equity of the applicant is incarcerated, on probation, on parole; presently subject to an indictment, criminal information, arraignment, or other means by which formal criminal charges are brought in any jurisdiction; or has been convicted of a felony within the last five years; or\n- You, or any business owned or controlled by you or any of your owners, has ever obtained a direct or guaranteed loan from SBA or any other Federal agency that is currently delinquent or has defaulted within the last seven years and caused a loss to the government\nHow to get it\nPayment Protection Program\nThe Payment Protection Program works like other SBA Loans through a network of lenders. You can use Lender Match, a free online referral tool that connects small businesses with participating SBA-approved lenders within 48 hours.\nHowever, the CARES Act expanded the lending network so more banks, credit unions and lenders can issue those loans.\nCheck with your local bank or credit union on how to apply for Paycheck Protection Loan (note, I attempted to contact several bankers on Monday, March 30 and they were still waiting on guidance from the SBA.). Applications open for small businesses and sole proprietorships on April 3rd. Independent contractors and self-employed individuals can apply starting April 10th.\nHere’s what you’ll need when you apply:\n- Most recently filed tax return\n- EIN documentation (proving you were in business prior to Feb. 15)\n- Payroll reports (proving you had employees prior to Feb 15th and their pay rates)\n- Payroll tax forms\n- Proof of rent, utility, and health care costs in the form of receipts/invoices.\nEconomic Injury Disaster Loan & Grant\nThis program goes directly through the SBA (not lenders like the PPP).\nYou can apply for the Economic Injury Disaster Loans (EIDLs) including the advance grant ($1,000 per employee up to $10,000) with a new streamlined online questionnaire found here.\nInformation that you need during the application process includes:\n- Gross revenues for 12 months prior to January 31, 2020\n- Cost of Goods Solds/Cost of Services for 12 months prior to January 31, 2020\n- Rental Properties lost rents due to the disaster\n- Business Details (number of employees, years in business, etc.)\n- Ownership information including SSN\nThen a loan officer will followup if they have additional questions.\n- There’s no immediate deadline to apply.\n- There’s no fee to apply.\n- No credit card information is required.\nCan I get both loans?\nYes, as long as they don’t pay for the same expenses.\nIf your EIDL loan was not used for payroll costs, it does not affect your eligibility for a PPP loan. If your EIDL loan was used for payroll costs, your PPP loan must be used to refinance your EIDL loan. Proceeds from any advance up to $10,000 on the EIDL loan will be deducted from the loan forgiveness amount on the PPP loan.\nHow much money can I get?\nThis is the methodology the SBA has recommended lenders use for the Paycheck Protection Program:\n- Step 1: Aggregate payroll costs (defined in detail below in f.) from the last twelve months for employees whose principal place of residence is the United States.\n- Step 2: Subtract any compensation paid to an employee in excess of an annual salary of $100,000 and/or any amounts paid to an independent contractor or sole proprietor in excess of $100,000 per year.\n- Step 3: Calculate average monthly payroll costs (divide the amount from Step 2 by 12).\n- Step 4: Multiply the average monthly payroll costs from Step 3 by 2.5.\n- Step 5: Add the outstanding amount of an Economic Injury Disaster Loan (EIDL) made between January 31, 2020 and April 3, 2020, less the amount of any “advance” under an EIDL COVID-19 loan (because it does not have to be repaid)\nIf you are an Independent Contractor or freelancer with no employees,\n- Step 1: Find your 2019 IRS Form 1040 Schedule C line 31 net profit amount (if you have not yet filed a 2019 return, fill it out and compute the value). If this amount is over $100,000, reduce it to $100,000. If this amount is zero or less, you are not eligible for a PPP loan.\n- Step 2: Calculate the average monthly net profit amount (divide the amount from Step 1 by 12).\n- Step 3: Multiply the average monthly net profit amount from Step 2 by 2.5.\n- Step 4: Add the outstanding amount of any Economic Injury Disaster Loan (EIDL) made between January 31, 2020 and April 3, 2020 that you seek to refinance, less the amount of any advance under an EIDL COVID-19 loan\nWhat qualifies as “payroll costs”?\nPayroll costs consist of compensation to employees (whose principal place of residence is the United States) in the form of salary, wages, commissions, or similar compensation; cash tips or the equivalent (based on employer records of past tips or, in the absence of such records, a reasonable, good-faith employer estimate of such tips); payment for vacation, parental, family, medical, or sick leave; allowance for separation or dismissal; payment for the provision of employee benefits consisting of group health care coverage, including insurance premiums, and retirement; payment of state and local taxes assessed on compensation of employees; and for an independent contractor or sole proprietor, wage, commissions, income, or net earnings from self-employment or similar compensation.\nDoes my own salary count?\nIf you have a corporation or LLC and pay yourself a salary, that counts as a payroll expense if:\n- you were in business before February 15, 2020\n- you pay yourself less than $100,000 per year\n- your primary residence is in the US\n- you’re not in jail\n- you pay yourself as an employee of the business (meaning you issue yourself a W2, pay payroll taxes, FICA, etc.)\nAny owner’s draw or non-payroll checks you issue yourself do NOT count as a payroll expense.\nDo independent contractors count as employees for purposes of PPP loan calculations?\nNo, independent contractors have the ability to apply for a PPP loan on their own so they do not count for purposes of a borrower’s PPP loan calculation.\nWhat if I’m a new business or a seasonal business?\nPer the SBA: In general, borrowers can calculate their aggregate payroll costs using data\neither from the previous 12 months or from calendar year 2019. For seasonal businesses,\nthe applicant may use average monthly payroll for the period between February 15, 2019, or March 1, 2019, and June 30, 2019. An applicant that was not in business from\nFebruary 15, 2019 to June 30, 2019 may use the average monthly payroll costs for the\nperiod January 1, 2020 through February 29, 2020.\nWhat can the PPP be used for in order to be forgiven?\n- payroll costs (as defined in the Act and in 2.f.)\n- costs related to the continuation of group health care benefits during periods of paid sick, medical, or family leave, and insurance premiums\n- mortgage interest payments (but not mortgage prepayments or principal payments); iv. rent payments; v. utility payments\n- interest payments on any other debt obligations that were incurred before February 15, 2020\n- refinancing an SBA EIDL loan made between January 31, 2020 and April 3, 2020. If you received an SBA EIDL loan from January 31, 2020\nHowever (and this is a HUGE However), at least 75 percent of the PPP loan proceeds shall be used for payroll costs. For purposes of determining the percentage of use of proceeds for payroll costs, the amount of any EIDL refinanced will be included. For purposes of loan forgiveness, however, the borrower will have to document the proceeds used for payroll costs in order to determine the amount of forgiveness.\nThe CARES Act Hardship Distribution waives the 10% early withdrawal penalty tax under Internal Revenue Code Section 72(t) on early withdrawals up to $100,000 from a retirement plan or IRA for an individual.\nThe bill also permits those individuals to pay tax on the income from the distribution over three years.\nThis means that you can get emergency cash from your retirement account regardless of your age.\nAlso, if you are currently on a retirement distribution schedule, you are not required to take a required minimum distribution from any individual retirement accounts or workplace retirement savings plans, like a 401(k)\nYou can have the 10% penalty waived for up to a $100,000 withdrawal if you:\n- are diagnosed with COVID-19;\n- have a spouse or dependent diagnosed with COVID-19;\n- experienced adverse financial consequences as a result of being quarantined, furloughed, laid off, having work hours reduced, being unable to work due to lack of child care due to COVID-19, closing or reducing hours of a business owned or operated by the individual due to COVID-19; or\n- other factors as determined by the Treasury Secretary.\nSo, eligibility criteria number 3 is the big one for most of us.\nThis change would not affect old-fashioned pensions.\nHow to get it\nSpeak with your retirement account holder or financial adviser on how to withdraw funds. Many financial institutions allow you to process your withdrawal online.\nOther Useful Information\nMany organizations are supporting freelancers at this time. The best list we’ve found so far is this one, created from members of the Freelancer’s Union.\nThe programs above are for US-Based freelancers.\nThe CBC has put together this list of resources for Canadian artists and freelancers.\nAlso, a professor from Carleton University did this breakdown of new government programs.", "domain": "economics"}
+{"url": "https://www.elitepic.co.uk/service-detail.php?id=12", "date": "2021-10-24T21:47:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323587606.8/warc/CC-MAIN-20211024204628-20211024234628-00462.warc.gz", "language_score": 0.9560214877128601, "token_count": 616, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__145907167", "lang": "en", "text": "The Skilled Worker visa is designed to enable skilled workers to come to the UK in order to fill a gap in the UK labour market.\nSkilled Worker (formerly Tier 2) visa:\nIn order to qualify for a Skilled Worker visa the applicant must be able to demonstrate that:\n· they have a job offer and a Certificate of Sponsorship from an organisation based in the UK that holds a sponsor licence;\n· the role represents a genuine vacancy;\n· they possess the suitable skills and experience for the role;\n· the role is at the relevant skill level (at or above RQF3) and they will be paid an appropriate salary as listed within the Codes of Practice;\n· they meet the required level of English language (currently B1 of the CEFR);\n· they have sufficient funds to maintain themselves (if maintenance is not certified by the sponsor); and\n· they do not fall for refusal under the general grounds for refusal.\nLength and conditions of stay in the UK\nApplicants can apply to come to the UK for a period of five years and 14 days, or the time given by the sponsor on the Certificate of Sponsorship plus 1 month, whichever is shorter.\nApplicants can apply to extend their stay in the UK up to a maximum period of six years providing they continue to meet the requirements of the scheme.\nDuring their stay in the UK, applicants can work for the sponsor in the role described on their Certificate of Sponsorship, perform supplementary work of up to 20 hours per week in accordance with the rules and undertake voluntary work and study providing this does not interfere with their main sponsored work. Applicants cannot hold more than 10% of the shares in the sponsoring company unless they earn an annual salary at or above the high earner rate and they are not permitted to access public funds.\nIndefinite Leave to Remain\nAn application for Indefinite Leave to Remain can be made once an applicant has held a Skilled Worker or Tier 2 General visa for a period of at least five years. In order to be eligible for Indefinite Leave to Remain an applicant must demonstrate that:\n· they have spent a continuous period of five years in the UK and during this time have not breached any UK immigration laws;\n· they meet the requirements in relation to absences;\n· they have sufficient knowledge of English language and have passed a Life in the UK test; and\n· they are paid the appropriate salary for the role and this meets the minimum salary required for Indefinite Leave to Remain.\nOur mission is to provide our clients with unbiased, accurate and complete immigration advice, which is relevant to their needs.\nWe recognise that the process of applying for any kind of visa or the maintenance of a Sponsor Licence, can be a stressful time for those involved and so we always treat all our clients as valued customers who have chosen us to look after their immigration future - we will not take that responsibility lightly and we will do our best to deliver the result they are hoping for.", "domain": "economics"}
+{"url": "https://shsilver.com/pages/kyc-aml", "date": "2023-03-21T00:51:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943589.10/warc/CC-MAIN-20230321002050-20230321032050-00211.warc.gz", "language_score": 0.9414752125740051, "token_count": 287, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__48207775", "lang": "en", "text": "Stephen Silver Fine Jewelry is fortunate to be located in the heart of Silicon Valley at the forefront of technology. We tracked the adoption of cryptocurrencies for over a decade, and, before accepting these new forms of payment, we did extensive research on the best crypto processing partners. We chose to work with BitPay, the current industry leader, because of their robust system and KYC/AML (Know Your Customer/Anti-Money Laundering) compliance vetting process. In order to receive merchant authorization, BitPay’s compliance team performed an extensive review of our company. This included a detailed review of the company’s financial statements, vetted our internal KYC/AML process, and their legal and compliance teams interviewed our leadership team on multiple occasions. Furthermore, we only accept crypto payments from authorized BitPay approved wallets. Through this process, we are confident that we are compliant with all laws by accepting cryptocurrencies.\nBlockchain and cryptocurrency technology are a part of our reality and future, and we are proud to serve our customers using new and emerging technologies. We responsibly embrace, learn how to work with, and adopt cryptocurrency in business practices for the greater benefit of commerce. Blockchain technologies and cryptocurrencies will continue to evolve, and, during that evolution, we are committed to the upholding the appropriate compliance measures to transact ethically and responsibly.\nWe confidently transact in cryptocurrencies, such as Bitcoin, Bitcoin Cash, and Monero.", "domain": "economics"}
+{"url": "https://entrepreneurialwomenwithpurpose.com/impact-education-programme-empowers-rse-workers-with-post-covid-business-skills/", "date": "2023-12-10T14:08:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679102469.83/warc/CC-MAIN-20231210123756-20231210153756-00256.warc.gz", "language_score": 0.984123945236206, "token_count": 778, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__86198371", "lang": "en", "text": "About a dozen Vanuatuan women visited Selmes Garden Centre on Friday.\nA programme tailored to ni-Vanuatu women on the Recognised Seasonal Employer (RSE) scheme is giving them the skills to adapt their businesses to a post-Covid world.\nEntrepreneurial Women with Purpose, an organisation designed to empower women through education, has designed a programme based on the needs, skills and passions of women in Marlborough on the RSE scheme.\nOn Friday, around a dozen women were given a tour of the nursery at Selmes Garden Centre by Trust Chairman David Robinson.\nEntrepreneurial Women with Purpose founder Catherine van der Meulen said the ‘Impact Education Programme’, had held workshops over the past six weeks, focusing on skills the women could take back to their own communities and businesses in Vanuatu.\n“We took what they were currently educated in, what they wanted to be educated in, what their passions were, what their interests were, what their community needs were and what their social issues were,” she said.\nThey had done classroom-style workshops such as financial literacy and forecasting, but were also provided hands-on experience.\n“One of the big things that came out was that they love to grow plants, and they love to grow food,” she said.\n“This is showing them around not only how you grow plants and what fruits and vegetables they can actually be growing, but also how they can create a business out of doing something that they love.”\nEntrepreneurial women with purpose founder Catherine van der Meulen said the programme had focused on what the women wanted to learn.\nAs a business that provided employment and training for people with disabilities, Selmes Garden Centre was also an example of how the women could use their businesses to address social issues within their communities, she said.\nMany of the women had businesses of their own in Vanuatu, but some would have to pivot due to the loss of tourism from Covid-19.\n“A lot of them already have [businesses] but what they really need to do is modify them to suit what the world needs right now,” van der Meulen said.\nAlicia Albert, left, pictured with Cindy Metsa and Isabel Ronnie, had a business cultivated kava in Vanuatu.\n“They needed tourism when they left, they don’t need it now.”\nIsabel Ronnie operated a transport business for women back in Vanuatu, but was looking to change her business model when she returned, as there would no longer be tourists to transport.\n“I’m thinking to change because from now on with the Covid, it’s too hard. Losing jobs and stuff so it’s better to change to something natural.”\n“I’m thinking of the needs of the locals … just something natural.”\nThe tour was given by Selmes Trust Chairman David Robinson.\nAlicia Albert also had a business growing and harvesting kava, a plant native to the Pacific Islands and commonly brewed into a social drink. She was looking to learn about new fruits and vegetables she could cultivate to expand her business.\nKathleen Kalo had a kava bar in Vanuatu and grew produce such as pineapple, bananas and sweet potatoes for her business.\nShe had been coming back to New Zealand on the RSE scheme since 2010, but this year was unsure when she could get back home, due to Covid travel restrictions.\n“Normally we are thinking in September we can go back home but this time … we will just wait and see,” she said.", "domain": "economics"}
+{"url": "http://pps-heating.com/faq.html", "date": "2021-05-14T00:25:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243989616.38/warc/CC-MAIN-20210513234920-20210514024920-00600.warc.gz", "language_score": 0.9525995254516602, "token_count": 785, "dump": "CC-MAIN-2021-21", "global_id": "webtext-fineweb__CC-MAIN-2021-21__0__226880013", "lang": "en", "text": "Q � What is zoning?\nA � Zoning is when a home is divided into zones or areas. Each zone receives its own thermostat and controls its temperature and return air circulation independently within each zone.\nQ � How does zoning work?\nA � Zoning systems use dampers in the ductwork that open and close as needed based on each zone�s thermostat settings. When a zone doesn�t need to be heated or cooled, the dampers close to save energy and maximize comfort elsewhere.\nQ � Why have I not heard about zoning before?\nA � Zoning has actually been around for years. It has been used more in a commercial application than in a residential setting. Zoning is a specialized service that not all H.V.A.C companies offer. Most heating companies are in the production, change out, replacement and service side of the industry. PPS Heating and Air Conditioning, Inc. specializes in zone control systems, providing the service to its custom homebuilder clients as well as its residential retrofits and remodels.\nQ � How do I know if zoning would help me?\nA � In most cases zoning can be quite helpful to homeowners. Whether you live in a 2 story home or a single level home, zoning can help reduce energy costs and create a more comfortable environment that you control.\nQ � Can I save money on my energy bill with zoning?\nA � Absolutely. Homeowners can save up to 33% on their energy\nbills with zoning when combined with a programmable thermostat.\nQ � Is zoning expensive?\nA � Not really. The cost of the zoning when compared to the overall cost of the home is minimal and in most cases, costs can be recouped in a relatively short period of time. The benefits of zoning are many. More comfort, more control and more savings. It just makes sense.\nQ � Is zoning considered environmentally friendly or green?\nA � Absolutely. Zoning definitely contributes to conservation. With zoning you�ll only be heating and cooling zones or areas as needed, thus saving energy. Homeowners can save up to 33% on their utility bills with zoning when combined with a programmable thermostat.\nQ � Is zoning convenient and efficient?\nA � Yes. With the flexibility of a thermostat in each zone, there is no more cranking up the settings in one area to affect another.\nQ � Is zoning only used in new construction?\nA � No. Zoning can be retrofitted in existing homes if there is adequate access to the ductwork, such as in a crawl space. Zoning is often times the best solution in providing and controlling comfort in cases of remodeling and home additions.\nAs a builder, why is zoning important to me?\nA � Zoning is important to the custom homebuilder because it offers the opportunity to differentiate themselves from their competitors. Zoning gives the custom homebuilder an edge. Zoning enables the homebuilder to put a better product in the marketplace. Zoning is a solution homebuilders have been looking for, far fewer call backs, happier homeowners and better all around comfort system in the homes they build. Zoning as an investment although relatively inexpensive can provide big returns.\nZoning Solution Example:\nWhy is the upper floor of a two story home always hotter than the lower level?\nA � Simple. Heat rises. Solution: Zoning. When a two story home is zoned into two zones, each level receives its own thermostat. Now the homeowner can control the temperature on each level independently. If the two story home is zoned into three zones, in most cases the third zone would be the master bedroom. End result. Each level and the master bedroom have its own thermostat.\n<< back to Zone Control", "domain": "economics"}
+{"url": "https://www.blackcountryandmarchesiot.ac.uk/news/black-country-and-marches-partnership-wins-prestigious-institute-of-technology", "date": "2023-09-23T05:19:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506479.32/warc/CC-MAIN-20230923030601-20230923060601-00732.warc.gz", "language_score": 0.9425830841064453, "token_count": 968, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__18507529", "lang": "en", "text": "The Secretary of State for Education has today approved a bid led by Dudley College of Technology to create an Institute of Technology (IoT) as part of a new wave of government funded skills institutions. After an exhaustive procurement process the project has moved to the ‘pre-award stage’ which in effect gives it the green-light to go ahead.\nThe bid was led by Dudley College of Technology alongside an extensive partnership including The Universities of Wolverhampton and Worcester and employers such as Thomas Dudley Ltd, The Hadley Group, Grainger & Worrell Ltd, The Dudley NHS Foundation Trust and Fulcro Coins.\nThe new IoT will focus its provision on advanced manufacturing, modern construction methodologies and medical engineering, all of which are critical transformational sectors for the regional economy.\nThe project will change the landscape of Dudley with the development of a three-storey 4,750m2 building sited on Castle Hill adjacent to the new Metro stop, the very Light Rail Innovation Centre and the Black Country Living Museum. Work on the flagship new build is planned to start in October this year with the Institute open for learners in September 2021. The IoT will also operate from the Marches Centre for Manufacturing Technology in Bridgnorth.\nBy 2025 the IoT plans to support over 2,000 new learners following higher level technical programmes with an emphasis on Apprenticeships. The project totals some £32.5m of investment. Today’s announcement confirms the government’s intention to support £16.8m capital funding and the award of the prestigious IoT licence and brand.\nCommenting on the success of the bid Lowell Williams, Chief Executive Officer, Dudley College of Technology said:\n“I’m delighted that our proposal has been accepted. This is a marvellous opportunity for the people and businesses of the Black Country and the wider West Midlands region. They will have access to a national leading skills centre right on their doorstep. The role of the IoT will be to develop the technical skills base of the region in sectors where there are skills shortages and high demand. It will help both individuals and businesses to thrive, and provide a further boost the regional economy. I can’t thank all of the project partners enough for their tremendous support.”\nWelcoming the announcement Dudley North, MP Ian Austin said:\n“This is brilliant news for Dudley. I’ve always said we need to make education and skills our number one priority because there’ll be massive growth and lots of well-paid jobs in new hi-tech industries over the next 20 years, so this will help us develop the skills we need to attract new industries and new jobs, help local businesses grow, give youngsters a first class start and help adults get new jobs too. I’ve worked really hard to support this project and I want to thank Lowell and his team who are making such a difference in Dudley.”\nEchoing the sense of achievement Vice-Chancellor of the University of Wolverhampton, Professor Geoff Layer, said: “This centre will help meet the demand and the skills gap that employers in the region are telling us about. This will lead to a more highly skilled workforce and help to continue to regenerate the regional economy.”\nMayor of the West Midlands Andy Street, who in February wrote to Minister of State for Education, Anne Milton MP, in support of the IoT bid, said:\n“This is fantastic news for Dudley and for the wider West Midlands, and I am delighted for Dudley College.\n“The Dudley IoT will boost people’s skills, and offer great courses in industries where our regional economy is booming.\n“The Dudley IoT will help local people gain great qualifications, so they have a better chance of getting a rewarding career in sectors which are growing very quickly. The IoT will also support the introduction of T-levels and help underpin growth in apprenticeships, to support our regional aspiration that everyone has the opportunity to access great training and great careers in the West Midlands.”\nOn behalf of employers Tom Westley, Chairman of the Westley Group Ltd and Black Country LEP board director said:\n“This is wonderful news for Dudley, the Black Country, the Marches and all our surrounding businesses. It builds on the College’s success and will play a crucial part in further reinforcing and boosting this area as a great place to locate your business, where excellent ‘state of the art’ skills training facilities are on your doorstep and you can access a highly skilled workforce.”\nThe next step of the process is for the College and partners to attend a workshop for the select group of fellow awardees which will take place in London in May.", "domain": "economics"}
+{"url": "https://seoulbitcoin.kr/aboutus/", "date": "2023-09-26T19:34:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510219.5/warc/CC-MAIN-20230926175325-20230926205325-00288.warc.gz", "language_score": 0.9483445286750793, "token_count": 139, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__166391728", "lang": "en", "text": "Bitcoin is a world-changing technology that deserves your attention. It allows anyone to send money over the internet without requiring permission or trust.\nSeoul Bitcoin is a community that hosts monthly Bitcoin meetups that are accessible to beginners, but also challenges you to understand the technology.\nOur meetup is run entirely by volunteers and without a profit motive. This is not a meetup about trading or investing. We care about the technology and hope to convey our excitement.\nThere are many alternative coins out there that make false claims of superiority. We offer education to help you guard yourself against misinformation.\nIt is our hope that gaining a deeper understanding of Bitcoin will lead to a deeply motivated community.", "domain": "economics"}
+{"url": "https://jackabbott.org/2013/10/24/levies-damned-levies-and-statistics/", "date": "2018-08-20T16:33:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-34/segments/1534221216718.53/warc/CC-MAIN-20180820160510-20180820180510-00512.warc.gz", "language_score": 0.9741623997688293, "token_count": 1473, "dump": "CC-MAIN-2018-34", "global_id": "webtext-fineweb__CC-MAIN-2018-34__0__135841933", "lang": "en", "text": "Well that was about the most one sided PMQs you are ever likely to see.\nWhoever was doing the prep work for David Cameron needs to be giving a good kick because that was comfortably the worst performance he has put in since becoming the Leader of the Conservative Party. You knew what was going to come up, energy and Sir John Major, yet he was so grossly underprepared it was pretty staggering. In saying that Ed Miliband gave arguably his best performance to date; he counter attacked, never let Cameron settle and his quip that ‘John Major was a Conservative Prime Minister who won a majority’ clearly rattled the PM who resorted to calling Miliband a ‘con man’ who was ‘living in a Marxist universe’ with neither remark landing any sort of blow. It was not quite a Tony Blair/John Major ‘weak, weak, weak’ moment, but ironically it was Major that helped tee Cameron up for the biggest trouncing he has had so far. The usually slippery DC has now been ruffled, is looking incredibly vulnerable and, worryingly for him, Miliband and Labour know it.\nThis has all stemmed from Ed Miliband’s speech at the Labour Party Conference 6 weeks ago. Like a hit number one, his proposal to freeze energy bills was both popular and has been played almost nonstop on the radio since. Some may call it a gimmick, others may call it unworkable but one thing is for sure it is a vote winner, a policy which addresses living standards and firmly draws attention to the criminal situation in this country where fuel poverty has meant that thousands of people will face the choice between heating and eating this winter. It will provide some respite to all, but especially those most desperate in our society who have seen their benefits capped or cut entirely, been taxed if they have been deemed to be living with the luxury of an additional room or simply been demonised and labelled as a scrounger if they are in the terrible situation of being unemployed.\nSince Miliband’s game changing speech Cameron has been scratching around trying to find a riposte, searching for a policy idea that will match, never mind trump, Labour’s for effect and popularity. Labour has successfully shifted the debate to living standards and in particular fuel poverty, issues to the Tories are simply unequipped to deal with and it has shown. It really is quite something to see the Opposition, rather than the sitting Government, setting the agenda and indeed, future policy.\nCameron’s solution to cut green levies yesterday was as predictable as it was politically and practically clumsy to say the least. This is not so much as a U-turn as it is Cameron continually circling a roundabout, desperately looking for the right exit, before turning off in desperation and finding that he is heading off in a completely different direction to the one he intended. That’s if he really knew where he was heading at all.\nIf he thinks that this will be a more popular policy than Miliband’s price freeze then he is wrong; 75% of people don’t believe the energy companies when they say that ‘green taxes’ are the reason for steeper bills whilst less than 30% oppose the existence of ‘green taxes’ to help investment in renewable energy. Nearly half of the people questioned also thought that current balance of cost of energy and environment impact should stay the same with an additional 20% thought that energy bills could be increased further to implement more environmentally friendly technology; together this account for more than two-thirds of the population. Clearly then, popular opinion does not run parallel with David Cameron and his party so the cut in green levies is not designed to be a vote winner but a dramatic overhaul of energy strategy, surely?\nPerhaps not; out of an average household energy bill of £1,267, green levies make up about £112 which works out around 9% of the overall bill. Of this, over 50% (£58) goes towards energy saving measures for low-income homes and a warm home discount for pensioners. These are the people most at risk from fuel poverty and it is not an exaggeration to suggest that thousands of peoples’ lives will be put at risk each and every winter if these support mechanisms are taken away.\nNow underlying to all this is the presumption that many associate the green levies with renewable energy which is of course undeniably evil when compared to fracking and nuclear power stations (how dare us hippies promote an energy source that is stable, sustainable, clean, green and basically free once installed). The problem with this presumption is that 1). the vast majority of people support renewable energy and 2). the environmental and renewable energy factors to the average bill add up to £53 out of £1,255, just over 4%. Therefore, if these green levies were scrapped the saving would be a drop in the ocean when compared to the wholesale prices of energy and the margins and benefits the energy companies are enjoying from an oligopoly. Sure we may see a small drop in energy bills now but as long as we remain dependant on non-renewable resources, the majority of which are now sourced from abroad, then we will remain in a situation where an uncompetitive marketplace can dictate and enforce energy price rises of 10% or more. It is also thought that without these green measures, the average bill in 2020 would also stand £166 higher than it would have been otherwise. It is time to stop acting with such a narrow, short term view and look at the bigger, long term picture.\nGreen levies will help us build an industry in this country which will reduce a dependence on existing wholesale energy market by localising the supply of energy and providing a resource which is not so extremely susceptible to the effects of demand and supply. Increased competitiveness in the market will bring prices down and the interests of the consumer will come first with the introduction of more co-operative and community owned energy companies; it goes without saying that jobs and growth will follow. This is not a fanciful ideal but an ideas that are being put into practice despite this Government’s best efforts. Like any industry however, it needs room and support in order to blossom and not to be chocked off as a knee jerk reaction when the going gets tough.\nI am not advocating higher energy bills, I am advocating people to look at the numbers. I am advocating people to look at our dependence on a finite resource, on the profits energy companies are making in an oligopolistic market place and the severity of the alternative options. I am advocating a stable, sustainable, clean, green future, a more competitive energy market with greater consumer input and ownership, with lower bills for all. I am advocating people look at who said to “vote blue, go green”, who promised the “greenest government ever” and who supported the introduction of green levies and increased them by 50% as Prime Minister. I am advocating that you also look at the person who oversaw the reduction of energy prices whilst Secretary of State for Energy and Climate Change, who has promised 1 million green jobs and has vowed to implement a price freeze.\nI am advocating a better future.", "domain": "economics"}
+{"url": "https://law-platform.jp/refs/fr_18670724", "date": "2020-08-09T01:57:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439738380.22/warc/CC-MAIN-20200809013812-20200809043812-00222.warc.gz", "language_score": 0.9328051209449768, "token_count": 6317, "dump": "CC-MAIN-2020-34", "global_id": "webtext-fineweb__CC-MAIN-2020-34__0__167908959", "lang": "en", "text": "ON COMPANIES AND PARTNERSHIPS\n- The French Code of Commerce and Most Usual Commercial Laws , 1880 [Google Books]\nTITLE I. OF “Sociétés en Commandite” DIVIDED INTO SHARES. ARTICLE 1. “Sociétés en commandite” cannot divide their capital into shares or coupons of shares of less than one hundred francs, when the capital does not exceed two hundred thousand francs, and of less than five hundred francs when the capital exceeds the above amount. They are not definitely formed until the whole of the capital has been subscribed, and at least one quarter of each share actually paid up. The aforesaid subscription and payments shall be sworn to by the manager before a notary. To the deposition shall be annexed—the list of subscribers, a statement of the amount paid up, the agreement under which the stock company is formed, executed in duplicate, if the same be “sous seing privé;” and a certified copy thereof, if it be a notarial deed, executed before a notary other than the one before whom the deposition is made. The deed “sous seing privé,” whatever may be the number of parties thereto, must be executed in duplicate, one of which shall be annexed, as explained in the preceding paragraph, to the deposition setting forth the subscription of the capital and the payment of the one fourth, and the other of which shall be deposited at the office of the “Société.” ARTICLE 2. The shares or share coupons are negotiable after the payment of one fourth. ARTICLE 3. A stipulation may be made, but it must be set forth in the agreement under which the company is formed, that the shares or share coupons may, after one half has been paid up thereon, be converted, by a resolution of a general meeting, into shares payable to bearer. Whether the shares remain payable to order after such resolution, or whether they become converted into shares payable to bearer, the original subscribers who transferred the same, and the transferees to whom such transfers were made, before the payment of the one half, remain liable for the whole amount payable on the shares for the space of two years from the resolution of the general meeting. ARTICLE 4. When a member contributes to the concern an apport which does not consist of cash, or which consists of a personal privilege, the first general meeting shall estimate the value of the apport and the personal privilege contributed. The company is not definitely constituted until after the approbation of the apport, by a resolution of anothergeneral meeting convened for the purpose. The second general meeting cannot approve the same until a report has been printed and placed at the disposal of the shareholders five days at least before the said meeting. The resolutions may be passed by a majority of the shareholders present. This majority must consist of one-fourth of the shareholders, and represent one-fourth of the capital paid up in cash. Members who have brought in an apport or personal privilege to be submitted to the examination of the meeting, cannot vote. In default of approbation the Articles of Association become of no effect as regards all parties. Approbation as above forms no obstacle to the subsequent institution of proceedings in case of fraud. The clauses of the present article relating to the approval of the “apport \" not consisting in cash, are not applicable in the case of a company to which the said “apport\" is made, when such company is exclusively composed of parties who were already joint-proprietors thereof. ARTICLE 5. A committee of inspection composed of at least three shareholders shall be appointed in every société en commandite par actions. This committee shall be appointed by the general meeting of shareholders immediately after the definite formation of the société and before the commencement of its business. The committee is subject to re-election at the periods and upon the conditions set out in the articles of association. In any case, however, the first committee cannot act for more than one year. ARTICLE 6. The first committee must, immediately upon its appointment, examine if all the provisions contained in the preceding articles have been complied with. ARTICLE 7. Every société en commandite par actions, constituted contrary to the provisions of Articles 1, 2, 3, 4 and 5, of the present law shall be void and of no effect as regards the parties interested therein. This section cannot, however, be set up as a defence against third parties. ARTICLE 8. When the Articles of Association are annulled, pursuant to the preceding Article, the members of the first Committee of Inspection may be declared responsible, together with the manager, for all damages resulting therefrom to the Company or to third parties. The same liability attaches to the members whose “apports” or personal privileges shall not have been approved pursuant to Article 4. ARTICLE 9. The members of the Committee of Inspection incur no responsibility in relation to acts of administration or the results thereof. Each member of the Committee of Inspection is liable for his own default in relation to the carrying out of his duties according to the general rules of law. ARTICLE 10. The members of the Committee of Inspection shall verify the books, cash bills, drafts, and other securities of the société. They shall draw up every year for the general meeting a report, in which they shall point out any irregularities or omissions which they may have found in the inventories, and state, should there be occasion, what difficulties exist as to the payment of the dividends proposed by the gérant. The shareholders cannot be called upon to reimburse dividends which they may have received, unless such dividends have been paid without drawing up an inventory, or without reference to the position of affairs as shown by the inventory. Actions for return of dividends as above are barred after the lapse of five years from the day fixed for the distribution of the dividends. Limitations which have commenced to run at the time of the promulgation of the present law, and which, according to the old laws, do not expire within five years therefrom, shall come within the present law, and bar actions within the time prescribed therein. ARTICLE 11. The Committee of Inspection may call a general meeting, and pursuant to resolution passed thereat, may wind up the Company. ARTICLE 12. Fifteen days at least before the date of the general meeting every shareholder may, either by himself or his agent, inspect, at the principal office of the Company, the balance-sheet, inventories, and report of the Committee of Inspection. ARTICLE 13. The issue of shares or share coupons of a société constituted contrary to the provisions of Articles 1, 2, and 3 of the present Law, is punishable by a penalty of from five hundred to ten thousand francs. The same penalties are applicable as follows:—To the manager who commences operations before the Committee of Inspection enter upon their functions; parties who, by representing themselves as holders of stock which does not belong to them, have created a fictitious majority at a general meeting, without prejudice to any action for damages to which they may be liable towards the société or third parties; shareholders who have sought to make a fraudulent use of their shares. In the cases provided for in the two preceding Articles, the penalty of imprisonment of from fifteen days to six months may be inflicted. ARTICLE 14. The negotiation of shares or of share coupons, the value or form of which are contrary to the provisions of Articles 1, 2, and 3 of the present law, or in respect of which the payment of one fourth has not been made pursuant to Article 2 above mentioned, is punishable by a penalty of from five hundred to ten thousand francs. Parties who have participated in the negotiation, or issuing of the said shares, are punishable by the same penalties. ARTICLE 15. The following are liable to the penalties prescribed by Article 405 of the Penal Code, without prejudice to the application of that Article to all acts constituting the misdemeanor of “escroquerie” (swindling):—1st. Parties who, under pretence of subscription or payment of calls, or by fraudulent publication of subscriptions or payments which have not been made, or by other fraudulent acts, have obtained, or sought to obtain subscriptions or payments upon shares; 2nd. Those who, in order to attract subscriptions or payments, have fraudulently and falsely published the names of persons as being or about to become connected with the concern in any capacity whatever. 3rd. The géran's who, without drawing up inventories, or by means of false inventories, have paid fictitious dividends to the shareholders. The members of the Committee of Inspection are not civilly responsible for offences committed by the managers. ARTICLE 16. Article 463 of the Penal Code is applicable to the cases mentioned in the three preceding Articles. ARTICLE 17. Shareholders representing one-twentieth at least of the capital can, in the common interest, depute at their expense one or more agents to institute suits against, or defend suits by, the managers or Committee of Inspection and to represent them in courts of justice and otherwise, without prejudice to the right of each shareholder to bring actions in his own name. ARTICLE 18. Companies existing before the Law of 17th July, 1856, and which have not complied with Article 15 of this Law, must within six months appoint a Committee of Inspection in conformity with the preceding provisions. In default of the appointment of the Committee of Inspection within the period above mentioned, every shareholder has the right to have the company dissolved. ARTICLE 19. Sociétés en commandite par actions, formed previously to the present law, which can by their statutes be transformed into Sociétés anonymes authorised by the Government, can be converted into Sociétés anonymes upon the conditions specified in Chapter II. of the present Law, by complying with the clauses contained in the statutes relating to the transformation. ARTICLE 20. The Law of the 17th July, 1856, is hereby repealed. TITLE II. OF Sociétés Anonymes. ARTICLE 21. Sociétés anonymes can henceforward be formed without the authorisation of the Government. They can be constituted, whatever may be the number of members, by a deed sous seing privé, executed in duplicate. Sociétés anonymes are subject to the provisions of Articles 29, 30, 32, 33, 34, and 36 of the Code of Commerce, and to the enactments contained in the present chapter. ARTICLE 22. Sociétés anonymes shall be conducted by one or more managers appointed for a certain time; they are revocable, whether salaried or otherwise, and chosen from amongst the members. These managers may elect a director from amongst them, or if the statutes permit it, appoint a person unconnected with the société, but for whose acts they remain responsible. ARTICLE 23. No company can be constituted with a number of members less than seven. ARTICLE 24. The provisions of Articles 1, 2, 3 and 4, of the present law apply to Sociétés anonymes. The deposition required of the manager by Article 1 shall be made by the founders (promoters) of the société anonyme, and shall be submitted, together with the documents in support thereof, to the first general meeting, which shall examine into its correctness. ARTICLE 25. A general meeting shall be, in all cases, convened by the promoters subsequent to the deposition proving the subscription of the capital, and the payment of the fourth in cash. This meeting appoints the first directors; and also, for the first year, the auditors mentioned in Article 32, infra. The directors cannot be appointed for more than six years; they are re-eligible, unless it be provided to the contrary. They can, however, be appointed by the Articles of Association, with a formal stipulation that their appointment shall not be submitted to the approval of the general meeting. In the latter case they cannot be nominated for more than three years. The report of the meeting must set forth that the directors and auditors present at the meeting have accepted the offices tendered. The formation of the Company dates from such acceptance. ARTICLE 26. The directors must own a certain number of shares provided for by the statutes of the Corporation. These shares shall constitute a security against the acts of the board of directors, even as regards acts appertaining personally to any one of the directors. They shall be made out to the name of the owner, and be inalienable, marked with a stamp denoting their inalienability, and deposited with the Company. ARTICLE 27. A general meeting shall be held, at least once in each year, at the time fixed in the Articles of Association. The statutes determine the number of shares that must be held, either as holder or as agent, for admission to the meeting, and the number of votes belonging to each shareholder, in proportion to the number of shares held by him. Nevertheless, in the general meetings convened to verify the “apports,” to appoint the first directors, and to examine the depositions of the promoters of the Society, prescribed in the second paragraph of Article 24, every shareholder, whatever may be the number of shares he possesses, may take part in the meeting with the number of votes accorded to him by the statutes; but he may not, in any case, use more than ten votes. ARTICLE 28. In all general meetings resolutions are passed by the majority of votes. A list of the members present is drawn up, containing their names and addresses and the number of shares held by each. This list, certified by the chairman of the meeting, must be deposited at the offices of the société, and be open to the inspection of all persons entitled to demand the same. ARTICLE 29. General meetings having to deal with matters other than those provided for in the two following Articles, must be composed of a number of shareholders, representing a quarter at least of the capital of the undertaking. If the general meeting does not fulfil this condition, a further meeting must be called, with the formalities and within the time mentioned in the statutes, and this latter meeting can pass valid resolutions, whatever may be the proportion of capital represented by the shareholders present. ARTICLE 30. Meetings for the purpose of approving contributions other than cash, of appointing the first directors, and of examining the deposition made by the promoters according to the terms of paragraph 2 of Article 24, must be composed of a number of shareholders representing one-half at least of the capital. The capital, of which the half must be represented for the approval of the “apport” shall be composed only of apports that do not require to be submitted to examination. If the general meeting is not composed of a number of shareholders representing one-half of the capital, it can only pass provisional resolutions. In this case a further meeting must be called. Two notices shall be published at eight days' interval, at least one month in advance, in one of the journals appointed for the insertion of legal advertisements, in order to advise the shareholders of the provisional resolutions passed at the first meeting, and these resolutions shall become final if they are confirmed by the new meeting, if composed of a number of shareholders representing one-fifth at least of the capital of the corporation. ARTICLE 31. Meetings which have to decide upon amendments to the statutes, or upon propositions to carry on the undertaking beyond the period fixed for its existence, or to dissolve the company before such term, are not regularly constituted and cannot pass valid resolutions, unless they are composed of a number of shareholders representing one-half at least of the capital. ARTICLE 32. The annual general meeting shall appoint one or more commissaires,” shareholders or otherwise, to prepare a report for the general meeting of the following year upon the financial condition of the corporation, the balance-sheet, and the accounts presented by the directors. A resolution approving the balance-sheet and accounts is void, unless it has been preceded by the report of the commissaires. In default of appointment of the commissaires by the general meeting, or in case of prevention or refusal of one or more of the commissaires appointed to act, the president of the Tribunal of Commerce of the principal office of the société shall proceed to appoint the same upon the petition of any party interested, the directors being duly convened. ARTICLE 33. During the three months preceding the period fixed by the statutes for the holding of the general meeting the commissaires have the right, whenever they deem it expedient in the interest of the société, to examine the books and investigate its operations. They can at any time, in case of urgency, call a general meeting. ARTICLE 34. Every Société anonyme shall draw up, every six months, a summary statement of its assets and liabilities. This statement shall be placed at the disposal of the commissaires. An inventory must also be drawn up every year, pursuant to Article 9 of the Code of Commerce, containing a list of the real and personal securities, and of all the assets and liabilities of the société. The inventory, the balance-sheet, and the account of profit and loss shall be handed to the commissaires four days at latest before the general meeting, and the same shall be presented to the meeting. ARTICLE 35. During fifteen days at least before the holding of the general meeting, every shareholder can inspect, at the principal office, the inventory and the list of shareholders, and obtain a copy of the balance-sheet containing a summary of the inventory, and of the report of the commissaires. ARTICLE 36. One twentieth, at least, of the nett profits must be set aside every year to form a reserve fund. The above deduction shall be no longer compulsory when the reserve fund amounts to one-tenth of the capital. ARTICLE 37. In case of the loss of three-fourths of the capital, the directors must call a general meeting of all the shareholders, to decide as to the expediency of winding up the company. The resolution of the meeting must, in every case, be made public. In case the directors fail to call a general meeting, and also in case it is not possible to obtain a quorum, any party interested can apply to the Court to dissolve the corporation. ARTICLE 38. The winding up may be ordered upon the petition of any party interested, when one year has elapsed since the date at which the number of members became reduced to less than seven. ARTICLE 39. Article 17 applies to Sociétés anonymes. ARTICLE 40. The directors are prohibited from receiving any interest, directly or indirectly, in any undertaking or transaction entered into by, with, or on account of the société, unless with the sanction of the general meeting. A special account must be rendered to the general meeting each year of the carrying out of the undertakings or transactions so authorised in the terms of the preceding paragraph. ARTICLE 41. Every Société anonyme which has not complied with the provisions of Articles 22, 23, 24, and 25 above mentioned, is void and of no effect as regards the members thereof. ARTICLE 42. When the Company has been dissolved, or the acts and resolutions thereof have been pronounced void, pursuant to the preceding Article, the promoters whose default has occasioned the same, and the directors in office at the time, are jointly and severally liable to third parties, without prejudice to the rights of the shareholders. The same liability attaches to these members whose “apports” or privileges have not been approved pursuant to Article 24. ARTICLE 43. The extent and effects of the liability of the commissaires to the société are determined according to the general rules legally applicable to agents. ARTICLE 44. The directors are liable, individually, or jointly and severally, to the société, or to third parties, according to the general rules of Law, either for infringements of the provisions of the present Law, or for faults committed by them in their management, especially for distributing, or allowing to be distributed, dividends that are fictitious. ARTICLE 45. The provisions of Articles 13, 14, 15 and 16 of the present Law apply to Sociétés anonymes, without distinction between those actually existing and those constituted pursuant to the present Law. Directors who, in the absence of an inventory, or by a false inventory, have distributed fictitious dividends, incur the penalties enacted by No. 3 of Article 15 relating to managers of Sociétes en commandite. The last three paragraphs of Article 10 are also applicable to Sociétés anonymes. ARTICLE 46. Sociétés anonymes which are in existence at the date of the present law, shall, for their entire duration, be subjected to the provisions which now govern them. They can be changed into Sociétés anonymes within the terms of the present Law by obtaining the authorisation of the Government, and complying with the forms prescribed for the modification of their statutes. ARTICLE 47. Limited Liability Companies can be converted into Sociétes anonymes within the terms of the present law, by conforming to the rules drawn up for the modification of their statutes. Articles 31, 37, and 40 of the Code of Commerce, and the Law of 23rd May, 1863, upon Limited Liability Companies are hereby repealed. TITLE III. SPECIAL PROVISIONS RELATING TO Sociétés WITH VARIABLE CAPITAL. ARTICLE 48. A stipulation can be made in the Statutes of every Société that the capital may be increased by successive payments made by the members, or by the admission of new shareholders, or be diminished by the total or partial withdrawal of the “apports” contributed. Sociétés whose statutes contain the above stipulation are subject to the following clauses irrespective of the general rules applicable to them according to their special constitution. ARTICLE 49. The capital shall not be fixed by the original statutes of the société at more than the sum of two hundred thousand francs. It may be increased by a resolution of a general meeting, year after year; each increase shall not exceed two hundred thousand francs. ARTICLE 50. The shares or share coupons shall be nominative, even when fully paid up; they cannot be less than fifty francs in value. They are not negotiable until after the definite constitution of the société. The negotiation of them can only take effect by means of transfers inscribed in the books of the société, and the statutes can give, either to the board or to the general meeting, the right to refuse such transfer. ARTICLE 51. The statutes shall fix an amount beneath which the capital must not be reduced by the withdrawal of the apports authorised by Article 48. The above amount must not be inferior to one-tenth of the capital. The société shall not be deemed definitely constituted until one-tenth be paid up. ARTICLE 52. Every member can retire from the société whenever he thinks fit, unless there are stipulations to the contrary, and unless such withdrawal would be in violation of Paragraph 1 of the preceding article. It may be stipulated that the general meeting shall have the right to decide by the majority fixed for the modification of the statutes, that one or more of the shareholders cease to belong to the société. A member ceasing to belong to the société, either by his own will or by decision of the general meeting, shall remain liable during five years to the shareholders and to third parties for all obligations entered into by him, and existing at the time of his withdrawal. ARTICLE 53. The société, whatever may be its form, may be legally represented in courts of law by the directors. ARTICLE 54. The société shall not be dissolved by the death, withdrawal, interdiction, bankruptcy or insolvency of one of the members; it remains undissolved as regards the other members. TITLE IV. PROVISIONS RELATING TO THE PUBLICATION OF THE ARTICLES OF ASSOCIATION. ARTICLE 55. Within a month from the constitution of any mercantile company or partnership, a duplicate of the deed constituting the same, if it be sous seing privé, or a copy if the document be a notarial deed, must be filed in the offices of the justice of the peace, or of the Tribunal de Commerce of the place in which the company or partnership is established. The following papers shall be annexed to the deed of constitution of sociétés en commandite par actions, and sociétés anonymes : 1. A copy of the notarial deed, setting forth the subscription of the capital and the payment of a fourth; 2. A certified copy of the resolutions passed at the general meeting in the cases provided for by Articles 4 and 24. Apart from the above, when the société is anonyme, a duly certified list of the names of the subscribers, including their christian and surnames, professions and addresses, and the number of shares held by them respectively, must also be annexed as above. ARTICLE 56. Within the same period of one month, an extract from the Articles of Association, and from the documents annexed thereto, must be advertised in one of the journals appointed for the publication of legal notices. A copy of the journal, certified by the printer and legalised by the mayor and registered within three months of its date, shall be evidence of such insertion. The formalities prescribed by the preceding and present Articles must be complied with, or they will be void as regards the members, but such default cannot affect the rights of third parties. ARTICLE 57. The extract must contain the names of the members other than the shareholders or commanditaires; the firm, name, or title of the société, and the address of the principal office; the names and offices of the members entrusted with the management, direction, and signature on behalf of the Société, the amount of capital and amount of securities or property brought in or to be brought in by the shareholders or commanditaires; the date when the société is to commence operations and the duration of the undertaking, and the date when the deposits were made as above at the offices of the justice of the peace and Tribunal of Commerce. ARTICLE 58. The extract must state whether the société is en nom collectif, or en commandite simple, or en commandite par actions, or anonyme, or d capital variable. If the société is anonyme, the extract must show the amount of the capital in cash or otherwise, and the proportion of profits to be set aside as a reserve fund. Lastly, if the société is d capital cariable, the extract must state the sum beneath which the capital cannot be reduced. ARTICLE 59. If the société possesses several branches in various districts, the deposit required by Article 55 and the publication prescribed by Article 56 must be made in each of the districts. In cities divided into several districts the deposit need only be made at the greffe of the justice of the peace of the district in which the principal office is situate. ARTICLE 60. The extract of the deeds and documents deposited must be signed by the notary in the case of notarial or “public deeds,” and in the case of deeds “sous seing privé\" by the members “en nom collectif,” by the managers in “sociét��s en commandite,” and by the directors in “sociétés anonymes.” ARTICLE 61. The following are subject to the formalities and to the penalties prescribed by Articles 55 and 56: All deeds and resolutions made with the object of modifying the statutes, continuing the société beyond the term fixed for its duration, dissolving the same before that period and fixing the mode of liquidation, all changes and retirements of members, and all changes in the firm, name or title. The resolutions passed in the cases provided for by Articles 19, 37, 46, 47 and 49 above appearing are also subject to the provisions of Articles 55 and 56. ARTICLE 62. Documents relating to the increase or diminution of the capital in the terms of Article 48, or to the retirement of members other than managers or directors, taking place pursuant to Article 52, are not subject to the formalities of deposit and publication. ARTICLE 63. In the case of “sociétés en commandite par actions,” or “sociétés anonymes,” any person has the right to inspect the documents deposited with the justice of peace and at the Tribunal of Commerce, or even at his own expense to receive copies or extracts from the officer of the court, or from the notary. All persons can also insist upon having delivered to them, at the principal office, a certified copy of the statutes, upon payment of a sum not exceeding one franc. The documents deposited must be posted up prominently in the offices of the soeiété. ARTICLE 64. In all deeds, invoices, advertisements, publications and other documents, printed or in writing issued by sociétés anonymes or by sociétés en commandite par actions, the title must be always preceded or followed immediately by the following words, plainly written in full characters, “société anonyme,” or “société en commandite par actions,” and by a statement of the amount of the capital. If the société has availed itself of the provisions of Article 48, this fact must be mentioned by the addition of the words, “d capital variable.” Any infringement of the preceding clauses is punished with a penalty of from fifty to one thousand francs. ARTICLE 65. The provisions of Articles 42, 43,44,45 and 46 of the Code of Commerce are hereby repealed. TITLE V. OF Tontines AND OF INSURANCE COMPANIES. ARTICLE 66. Associations formed under the Tontine system, or of the nature of mutual or premium Life Assurance Companies, remain subject to the authorisation and the inspection of Government. Other species of insurance companies can be formed without authorisation. A réglement d'administration publique shall determine the conditions under which they can be constituted. ARTICLE 67. Insurance companies, designated in Paragraph 2 of the preceding Article, which are in actual existence, can place themselves under the regime which will be established by the réglement d'administration publique, without the authorisation of the Government, upon observing the forms and conditions prescribed for the modification of their statutes.", "domain": "economics"}
+{"url": "http://motivationalspeakerssafrica.com/denisehall/", "date": "2018-02-21T11:21:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891813608.70/warc/CC-MAIN-20180221103712-20180221123712-00531.warc.gz", "language_score": 0.9488855004310608, "token_count": 427, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__135105381", "lang": "en", "text": "For Booking and Contact information:\nDenise Hall is an ex-Business Owner turned Exit Strategist and Business Broker to Business Owners of the world. She knows how to play the “Finish Unfinished Business” game like no other.\nStarting a business is a BIG deal.\nBuilding it to become much more than a hobby is even BIGGER again.\nIn fact, building a Business into an Asset may result in it being possibly the largest asset you’ll ever own, if not second after your home. So NOT “Starting with the End in Mind” can result in all the blood, sweat, tears and money you’ve invested resulting in nothing!\nAccording to recent statistics from the “Centre of Women’s Business Research USA”, only 3% of women-owned businesses reach $1 million revenue or more. Highlight women who are the primary breadwinner, that % is even lower no doubt. Denise is proud to feature in both categories.\nIn July 2011, Denise sold her last business for fair market value, the third she has owned, built and sold. It was in the Consulting, Learning, Training and Organisational Development arena, doing 7 figures at time of going to market, so it wasn’t one that could just be packed away without due consideration of its future.\nBlend this breadth of experience and execution together with her sense of humour, and you can see why Denise is sort after.\nFrom building a “Mother of a Business”, to finding a way to GET OUT as profitably and painlessly as possible, Denise paints a picture enabling all to see what needs to be done and how to do it, whether it be DIY or working along side her.\n- Business Planning “in Reverse” = How to Start with the End in Mind (regardless of how old it is)\n- Is your Business Ready to Sell if you get the tap on the shoulder?\n- How to Successfully Buy a Business\n- Buy | Sell Websites and Online Businesses", "domain": "economics"}
+{"url": "http://freebonus.me/forex/", "date": "2018-11-15T22:43:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039742963.17/warc/CC-MAIN-20181115223739-20181116005739-00542.warc.gz", "language_score": 0.9496903419494629, "token_count": 596, "dump": "CC-MAIN-2018-47", "global_id": "webtext-fineweb__CC-MAIN-2018-47__0__182433797", "lang": "en", "text": "A free forex bonus is the most attractive type of bonuses in trading. You don’t need to top up your trading account to start trading. To receive a free bonus from any broker we have on the website you should sign up for a Forex trading account and provide a broker’s customer support with the information confirming your identity. Most often a fee bonus is credited automatically after the information you provided is verified.\nA free bonus in forex is a tendency that is gaining more and more popularity. Due to this, a circle of potential participants of the foreign exchange markets became even wider. Actually, any person without own investment funds can become a trader today.\nSafecap Investments Ltd\nA no deposit bonus in forex is a unique thing as it allows trading under the same conditions as the owners of real trading accounts. To choose the most optimal offer for yourself, spend some time to study the conditions of receiving a no deposit bonus at several brokers.\nStrange as it may seem but a no deposit bonus is also beneficial for a sponsorship broker. After a trader’s registration a broker receives a portion of the spread. As statistics shows, 5-10% of attracted traders bring quite a good profit at different trading intervals. Thus, for many brokers their expenses pay off.\nA unique chance to become a real trader without a risk of losing own funds attracts everyone. The companies gain benefit from this approach and that is why the number of brokers offering no deposit bonuses is rapidly increasing. With the money you receive you can consider your emotional state and try a new strategy without risking the money leading to negative consequences.\nBrokers don’t want to lose a new client and the money they gave to him during the first hours on Forex, so they actively provide a client with informational support. Experienced traders share their knowledge at special schools, they readily answer the questions, and hold seminars.\nSome traders get so obsessed with receiving a no deposit forex bonus that they do their best to break the limits. The most widespread fraud is the second sign up. However, this is not the way to earn good money. You can sign up 20 times but if you are not aware of what you need to make a profitable trade, you won’t get more money. Besides, with each new signing up you’ll have to provide new passport data, new e-mail, another IP-address, and phone number. Eventually, the final result does not seem worth all your efforts.\nThe main disadvantage of a no deposit bonus is that it can turn out to be completely useless. A trader is not afraid at all that he can lose the no deposit bonus and it does not motivate him to make an effort to save the bonus. As a result, the rules of managing the capital are violated and a trader easily and quickly spends the money he received. Unfortunately, 9 out of 10 cases have such a scenario.", "domain": "economics"}
+{"url": "https://liverpoolcathedral.org.uk/about-us/news/liverpool-cathedral-to-receive-281-600-from-second-round-of-the-government-s-culture-recovery-fund/", "date": "2023-12-05T01:19:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100540.62/warc/CC-MAIN-20231205010358-20231205040358-00109.warc.gz", "language_score": 0.9613361358642578, "token_count": 927, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__51393032", "lang": "en", "text": "Liverpool Cathedral to receive £281,600 from second round of the Government’s Culture Recovery Fund\nLiverpool Cathedral among more than 2,700 recipients to benefit from the latest round of awards from the £1.57 billion Culture Recovery Fund. This award will enable us to support jobs and ensure the maintenance of our building\nLiverpool Cathedral in has received a grant of £281,600 from the Government’s £1.57 billion Culture Recovery Fund to help the organisation recover and reopen.\nNearly £400 million has been awarded to thousands of cultural organisations across the country including Liverpool Cathedral in the latest round of support from the Culture Recovery Fund, the Culture Secretary announced today.\nLiverpool Cathedral’s much needed award of £281,600 will enable us to maintain our building and secure jobs after what has been a difficult year.\nAs a Grade I listed building and the largest cathedral in the UK, just keeping the building well maintained, safe, secure and clean costs upwards of £1 million a year – over a third of our regular annual income.\nLike so many Liverpool institutions and businesses, the cathedral faces large deficits and has had to take strong measures to secure our financial footing. Recognising our role as an employer in an economically deprived area we have worked hard to preserve jobs. This award gives us more security in an uncertain world.\nOver £800 million in grants and loans has already been awarded to support almost 3,800 cinemas, performance venues, museums, heritage sites and other cultural organisations dealing with the immediate challenges of the coronavirus pandemic.\nThis brings the Government's total investment across grants, capital and repayable finance from the Culture Recovery Fund so far to more than £1.2 billion across over 5,000 individual cultural and heritage organisations and sites.\nThe second round of awards made today will help organisations to look ahead to the spring and summer and plan for reopening and recovery. After months of closures and cancellations to contain the virus and save lives, this funding will be a much-needed helping hand for organisations transitioning back to normal in the months ahead.\nCulture Secretary, Oliver Dowden, said:\n“Our record breaking Culture Recovery Fund has already helped thousands of culture and heritage organisations across the country survive the biggest crisis they've ever faced.\nNow we’re staying by their side as they prepare to welcome the public back through their doors - helping our cultural gems plan for reopening and thrive in the better times ahead.\"\nThe Very Revd Dr Sue Jones, Dean of Liverpool, said:\n“It feels particularly timely that this wonderful news comes so close to Easter. We are thankful for this lifeline from the government. In the most difficulty year of my Christian ministry it is gratifying to receive some help for us to remain serving the city in the many ways we do. We had already taken great steps to survive through this time and there is much still to do. But this lifeline will help us to recover, to secure vital jobs and to keep reaching out to the city.\nWe are always mindful that we were built by the people, for the people and we want this grant to continue to help us serve Liverpool through being a catalyst for other investment, a place to attract people to the city and a spiritual and cultural focus for the city.”\nRos Kerslake, CEO of The National Lottery Heritage Fund, said:\n“Spring is definitely here, bringing not only sunshine but that sense of optimism and hope for the future. We are all looking forward to heritage places and other visitor attractions reopening and I am very pleased that we have been able to support DCMS in delivering this vital funding to ensure the UK’s heritage sector can rebuild and thrive, boosting local economies, creating jobs and supporting personal wellbeing.”\nDuncan Wilson, Chief Executive of Historic England, said:\n“The value of our heritage sites and the people who run them has been amply demonstrated, as they have provided an anchor for so many of us through the dark days of the last year. Vital grants from the Culture Recovery Fund have helped them survive and will now help them recover, as the places we all cherish start to reopen in the months ahead.”\nThe funding awarded today is from a £400 million pot which was held back last year to ensure the Culture Recovery Fund could continue to help organisations in need as the public health picture changed. The funding has been awarded by the National Lottery Heritage Fund and Historic England as well as the British Film Institute and Arts Council England.", "domain": "economics"}
+{"url": "https://www.bridgemarketingct.com/2020/05/21/sales-process/", "date": "2022-05-26T08:56:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662604495.84/warc/CC-MAIN-20220526065603-20220526095603-00485.warc.gz", "language_score": 0.93772953748703, "token_count": 772, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__42095852", "lang": "en", "text": "There are many elements that create Sales Process for an organization. At its simplest form, the client process involves developing leads, qualifying accounts, understanding needs, serving those needs with your product or service, handling objections and closing the sale. One of the more critical elements involves the delicate balance in the relationship between salespeople and the sales manager. Where many sales managers fall short is not in the managing of the client process above, but in defining sales accountability for each salesperson. As a sales manager have you established sales tools to monitor each salesperson’s productivity? Is there buy-in from the sales team on your process, goals, and direction? Is the team in a position to pivot if markets begin to fluctuate and goals are in jeopardy?\nHere are five easy steps to keep your salespeople on track:\n- Establish Revenue Goals: Every owner expects a reasonable profit from their business. How will your salespeople get there? Start with the established revenue goals of your company and determine what percentage of revenue will need to come from your team. Determine individual goals by territory size, product niche and opportunities to sell. Once established, have each salesperson sign off on their portion of the goal.\n- Create Booking or Contract Goals: How many sales transactions will be needed to reach established revenue goals? Determine the average sale for your company and the effort needed to close the sales process. Create annual, monthly and weekly sales goals for the number of contracts needed to reach these revenue figures. Have each salesperson sign off on the effort.\n- Determine Call Goals: How many solicitations will be needed to secure the contracts to reach revenue goals? Discuss with your salespeople their way of selling, eliminate any barriers that detract from “selling time,” and determine the amount of time it takes daily for phone calls, email solicitations and in-person meetings. Subtract any internal meetings and reporting and you are left with the maximum amount of sales time available within a day/week. Establish call goals accordingly to reach your established contract conversion level.\n- Write Sales Action Plans (SAP): Do your salespeople have a path to follow to gain successful targets? Sales Action Plans are quite often referred to as the “compass” or “road map” for salespeople to follow to reach their goals. Well written SAPs clarify target markets, territories, hot industries, and usually, the best opportunities for success. Follow these steps to create “actionable” sales action plans:\n- Create a time-line for each action. Typical assignments cover a one or two-week period. Set complete SAPs at three-month intervals.\n- Sales Action Plan activity counts toward established Sales Call Goals.\n- Everyone should participate. Create ownership from the salespeople by asking for their ideas and putting them into action. Have each salesperson sign off on their Sales Action Plan.\n- Be flexible. As new sales opportunities arise, allow the salespeople to pivot and change the plan to what’s hot right now.\n- Keep the salespeople on target. It’s easy to set aside Sales Action Plans when it gets busy.\n- Hold Weekly Sales Meetings: With today’s technology, there is no excuse not to meet with your salespeople weekly to keep them accountable for their sales activity. Use what is in reach to stay in touch whether in-person, by conference call, Zoom Meetings, Skype, in groups or one on one. As sales manager, take a back seat in these meetings. Give your salespeople the chance to shine by letting them talk, to ask for feedback and to encourage others to keep moving forward.\nAccounts Will Grow, Contracts Will Increase, and Revenues Will Rise.", "domain": "economics"}
+{"url": "https://clinesnursery.com/about/", "date": "2024-04-25T06:42:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712297290384.96/warc/CC-MAIN-20240425063334-20240425093334-00106.warc.gz", "language_score": 0.9538780450820923, "token_count": 176, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__19422608", "lang": "en", "text": "We are a Wholesale Nursery that serves commercial customers both big and small, including Landscape Contractors, Designers, Landscape Architects, Home Builders, Garden Centers, and Professional Gardeners. We are a one stop shop offering needles, mulch, stone, straw, fertilizer, bagged soil, and grass seed along with shrubs, groundcovers, grasses, perennials, and trees from 4” containers to large B&B trees. We offer beautiful locally grown plants and trees as well as a large variety of items sourced from around the United States, and we are happy to locate any plant material you need.\nWe strive to exceed our customers’ expectations by providing superior nursery stock at fair prices to help you stretch your landscape budget and maximize profits. We understand that on time delivery service is crucial to your business success and ours.", "domain": "economics"}
+{"url": "https://enjoyyourphotography.com/sell-photographs-online/", "date": "2021-09-17T22:51:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780055808.78/warc/CC-MAIN-20210917212307-20210918002307-00168.warc.gz", "language_score": 0.9529438614845276, "token_count": 3857, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__139209876", "lang": "en", "text": "37 Great Places For You To Sell Photographs Online\nWould you like to sell your photographs online, and make money doing it?\nDo you ever wonder how to sell photos online and earn money at the same time?\nFirst, let me say that in my experience, it’s very hard to make a lot of money this way.\nHowever it is possible to make some money on a regular basis when you sell your photographs online.\nTry several ways to sell photos online, and some or most should bring in some sales.\nWith several small incomes added together they can build up into a decent amount of money.\nIn this article I’m going to list some of the best places to sell photos online, in no particular order.\nA lot of these are stock photo agencies where you can offer your photos for commercial use.\nSome offer websites that are designed to make it easy to sell photographs in various ways.\nThere are some where you upload photos and designs to be used on a range of goods for sale.\nI use affiliate links on this website, and there are some on this page.\nIf you click on one and buy something from the website it refers you to, I will get a payment.\nYou will not pay any extra for your purchase when you buy through one of these links.\nSmugMug hosts your website that you build with their templates and software.\nYou can sell prints, digital downloads, and a range of gifts featuring your photos as designs.\nThey have several different plans to suit all from hobby photographers to professionals.\nSmugMug also have a feature where you can buy a website as a gift for someone.\n2. Can Stock Photo\nYou can sell both your photos and video footage as Microstock on Can Stock Photo.\nThere’s a second way that you can earn money online with Can Stock Photo.\nThey have a referral programme where you can refer buyers to buy the images and footage they’ve listed.\nAt the same time they’ll pay you for referring new photographers as contributors to their library.\nVisit Can Stock Photo\nZazzle doesn’t sell photos as prints or downloads, the sell gifts with designs that can be, or include photographs.\nYou upload your photographic designs, pick the gifts you want to sell them on, and they’re shown as a shop.\nWhen someone buys a gift from your shop, featuring your design, you get paid.\nThere’s a vast amount of gifts to see, and others being added often, and a chance to make money.\nThere are a huge number of shops so your best chance is to promote you shop wherever you can.\nSome people find and promote other peoples designs, and get paid a commission for it.\nThis means other people can promote your designs, and you can other peoples wares.\n123RF is another Microstock Website that you can contribute to, and make sales.\nThey list photos, vectors, footage and audio, to be sold and earn money for their providers.\nOn their site they claim to have over 12 million active monthly users, a great place to sell photos online.\nThe offer an affiliate programme also, giving you another way to earn money online.\nSquarespace is another company that provides hosting and templates to let you build a photography website.\nThese sites are not exclusively for photographers, they’re aimed at all creative people.\nYou can turn your site into a store and sell items directly from there.\nThere’s a huge list of companies and services that you can integrate your site with.\nYou should definitely check this one out before you decide on a website to use to sell photographs.\nRedbubble is another platform where you can sell you photos as designs on products.\nOn these sites you can use the photos on their own or as part of a design.\nThe goal is to present them so that they can help sell the goods they decorate to sell.\nThey have a large range of goods that you can submit photos or designs for.\nShutterstock is another Microstock Agency where you can submit and sell photos.\nHere as with all such sites you try to get as many photos accepted to their library.\nThe more you have accepted the better chance you have of making sales.\nJoin several agencies and try to get more that a thousand photos accepted on each one.\nShutterstock is one of the very best and definitely one that you should be a contributor to.\n8. Big Stock Photo\nBig Stock Photo is another Microstock Agency that you should join and contribute to.\nThe more photos you have listed on their platform, the more sales you’re likely to make.\nA photo may sell on one stock website and fail to sell on another.\nMost, if not all, are free to join, and when you have a photo prepared, submit it to several.\nVisit Big Stock Photo\nFotomoto allows you to sell photos directly from your website in several ways.\nIt works with many website types including WordPress, Blogger, Flickr, Tumblr, Wix and many more.\nYou just add some code to your site and a Buy button appears next to your photographs.\nThey can be sold as Prints, Canvas Prints, Greeting Cards, Digital Downloads and more.\nYou set the prices that you want your photographs to sell for.\nFotomoto can print and fulfil the orders, or you can do so yourself.\nMostphotos is slightly different to most other Microstock Agencies in the way it accepts photographs for sale.\nWith most agencies your contribution have to be approved by the agency before being offered for sale.\nWith Mostphotos you can upload and offer your images for sale without having to be approved.\nI’ve sold images through agencies that were rejected by other agencies, so they don’t always get it right.\nYou should only photos that could be accepted by stricter agencies though, don’t submit obviously flawed images.\nFor that reason alone this agency is well worth joining.\nPanthermedia is another Microstock Agency that you might like to contribute your photographs to.\nPhotos are rarely good enough to submit to stock agencies as they’re shot without some touching up.\nJPEGs can lose some of their data while they are being touched up, so it’s better to shoot RAW files.\nThey have more information in them and can be worked on much more vigorously than JPEGs.\nThe better you present your images the better chance they have of being sold.\nInstaproofs provides you with an online gallery where you can upload and sell your photographs.\nYour photographs can be sold both as digital downloads, or as prints.\nYou can use social media, e-mail or your own blog to get your gallery in front of eyes.\nInstaproofs can organise fulfilling your print sales, or if you prefer.you can do so yourself.\nThere’s a free plan and four paid options, and they you for your sales through Stripe.\nWeblium is another website builder that provides both hosting and templates to build your site.\nIt has template suitable for many different kinds of website not just photography.\nYou can build a completely free site which include unlimited storage and an SSL certificate.\nNot every provider of free websites include features like that, which may be all you need.\n14. Adobe Stock\nAdobe Stock is yet another Microstock Agency which is part of Adobe.\nThis is the company responsible for Adobe Photoshop and Adobe Acrobat and some more software.\nBy joining this agency you know your working with a big, established and well respected company.\nThey’ve recently acquired Fotolia which was another top class agency.\nVisit Adobe Stock\n15. Cafe Press\nCafe Press is another print to order gift company where you can sell your photographs.\nRather gifts can be sold featuring you photos as, or as part of the design, printed on them.\nPhotos look great printed on Mugs, Towels, Canvas Prints and many more gifts.\nAll you have to do is provide the designs, the rest is done for you.\nVisit Cafe Press\n16. iStock Photo\niStock Photo, once again this is a Microstock Agency of which there are many.\nIf Microstock didn’t make money then all these providers wouldn’t exist.\nBy joining several agencies you can some of that money when you sell your photographs.\nInclude iStock Photo in the agencies where you sell photos and earn money online.\nVisit iStock Photo\nETSY is a platform where you can set up a shop to sell your hand crafted or vintage items.\nYou can make, design or design and make the items you offer for sale.\nETSY must know what art you play and who does the rest.\nYou can sell photographs but you have to supply/organise the supply yourself.\nTo list your wares on ETSY you do have to pay a fee.\nIt can be a great platform but make sure you know and keep the rules.\nWeebly provide all you need to build a photography website to start selling your photographs.\nThe websites are suitable for many types of business, not just photography.\nTheir sites are very much focused on selling and marketing, and want you to succeed in this.\nYou can have a free site, but it’s very basic, but it does include free SSL Security.\nSociety6 is another print to order gift platform where you submit photographs or other art as designs.\nThey list a range of items that can be sold with your designs printed on them.\nThere are many such companies and more being launched on an ongoing basis.\nIf you have the time you can join several and increase your chance of success.\ndepositphotos is a Microstock Agency whee you can sell photographs, vectors and videos.\nLike many other of the websites that I’m listing in this article they have a partner or affiliate programme.\nJoining these you can earn more money by referring people who buy other peoples work.\nSometimes you can earn more through your affiliate links than by sales of your own work.\nOn Snapped4U, you can upload and sell both portrait and event photographs.\nWhile most of the sites that I list here are free to join, Snapped4U is an exception.\nYou have to pay to set up an account, and pay a commission on your sales.\nThe subjects of the portraits and events are also the photographers clients.\nWhen photos are online, the photographer informs the subjects, who then buy their photos through Snapped4U.\nPicfair lets you set the price you want to sell your photographs for, and they take a commission.\nI’m not sure what category they belong to, the sell stock and also some print to order items.\nWhile you can join for free, there’s a paid plan that offers much more.\nSome of the prices being asked for here are mouth watering, in comparison to most stock sites.\nCutcaster is yet another Microstock Agency that you can sign up to and sell photographs through.\nLike many other such agencies once you join you get the option of becoming an affiliate.\nIn this instance you can earn through your referrals for up to two years after they join.\nEven better than that you can earn from both buyers and sellers that you refer, often it’s just buyers.\n24. YAY Micro\nYAY Micro is, you guessed it, another Microstock Agency, much the same as all the others.\nIt also has an affiliate programme that allows you to earn for two years.\nIn this case though you only earn through the purchases that the buyers you refer make.\nHowever buyers are almost sure to buy photos while sellers may struggle to make sales.\nVisit YAY Micro\nAlamy is a Stock Agency that claims to pay the biggest commissions of any to photographers.\nAs ever you can join and see how much you can earn through them.\nMost of these agencies have a minimum amount you have to earn before you get paid.\nHowever with steady sales with several agencies your earnings can mount up and in time be worthwhile.\nFineArtAmerica is another one of these companies that sell your designs on a range of products.\nYou can have a fee account which include all but a few of the features available.\nHowever as a free member you can only upload twenty five images/designs.\nBeyond that you have to pay a yearly fee, and twenty five images is not worth bothering with.\nThey set a price for an item, and you set the markup that you feel you can sell for.\nVisit Fine Art America\nDreamstime is a Stock Agency with an affiliate programme where you can earn from your referrals for three years.\nIt applies to people you refer as both sellers and buyers of photographs.\nIt’s one of the agencies that offer contributors the chance os becoming an exclusive contributor, just to them.\nUnder this arrangement you can earn more from the sale of an image, but you can’t offer it to another agency.\nPrintful also takes your designs, prints them on a range of items and ships them to wherever.\nNot all the items these companies produce look their best with a photograph printed on them.\nOther items probably look better with a photograph than a graphic design.\nYou can produce designs that include a photograph or part of one in a unique image.\nThe goal is to produce popular and profitable designs whether they’re with, part of, or without photographs.\nCrestock, as the name suggests is a Microstock agency, very much like the others.\nThey’ve got an affiliate programme but you only get paid for six months after those you refer, join.\nCrestock like many other agencies off several different ways to buy/sell photographs.\nAgain if you’re going to sell your photographs as stock, join several agencies at least.\nYou may as well consider joining crestock as any other, they all add up.\nPhotoshelter is one the website providers that are specifically aimed at photography.\nThese sites are built to show off your photography at its very best, and it succeeds magnificently.\nThey also put an emphasis on e-commerce making it possible to sell a host of photographic products.\nYou can build your site with one of the templates provided, when you sign up.\nThere are three different plans to chose from, starting a $10 a month when billed annually.\nStocksy is another Stock Agency, featuring photographs and video, but they require their contributors to work exclusively with them.\nThey claim to pay the highest royalties in the industry, which for exclusivity, they should.\nSome agencies offer exclusivity as an option but few, if any other, demand it.\nThere are pros and cons to being exclusive, but personally I’d prefer to take my chances with several agencies.\nImagekind can sell your photographs in the form prints, posters, canvas art and gift cards.\nThis is print on demand service but offers a much smaller product line than most other such companies.\nThey have a video online showing their workshop in production and it does look impressive.\nYou can sign up for a basic free account but there are paid plans that offer much more.\nPond5 is a Microstock Agency that sell Footage, Music, After Effects, Sound Effects, Illustrations, and 3D Models, plus Photographs.\nUnlike most Microstock sites, photographs seem to be an after thought, with video the main focus.\nIf you do video as well as photos this could be the place to start selling stock.\nIf you mainly shoot stills then I wouldn’t start here, I’d leave it until I had accounts with several others first.\nVisit Pond 5\nZenfolio provides websites for photographers only, as several other providers do, built on provided templates.\nThere’s a range of templates and you can chose the one like, and want to build your site on.\nAlso there’s three plans to chose from starting at $5 a month, provided you decide to pay annually.\nThere’s several of these providers so you should check them all before you decide which you’ll sign up to.\nInstaprints is a print to order company with a big and growing product line, much like other similar companies.\nAs with stock sites, if you have the time and patience, you can join several of these sites.\nYour designs can be photographs, graphics or a combination, as on most such websites.\nIt’s unlikely that you’ll get rich one one site, buy combine several. and a few stock agencies, and who knows.\nEyeEm is a Stock Agency where you can sell photographs, which is standard with these websites.\nThe website is a little vague but it appears that it’s possible to pick up photography and video work through them.\nThey don’t require exclusivity, which is the same for most stock agencies, and something I like.\nThese look like an interesting agency but they could tell a little more on their website.\nCustomCat is another print on demand website with a big range of products you can design for.\nMost of these sites list sellers shops or product gallery’s, but these don’t.\nThey have guides on marketing, but I think you have to find your own markets.\nI wouldn’t start my print on demand journey here, but I would consider it in time.\nAre you ready to sell photographs\nThe markets I’ve discussed here mainly fall into three categories, personal websites, stock sites and print on demand sites.\nYou only want one website, so check out as many as you can before you decide on one.\nTo sell photographs as stock, join several sites, and give yourself a better chance to earn money online.\nSome sites will accept photograph that other sites will reject, and you won’t figure out why.\nIf you just decide to join one site, you won’t spend as much time submitting images, but you’ll only have one chance to succeed.\nWith print on demand sites it’s unlikely any of your designs will be rejected, unless the fall into the usual no-go areas.\nIf you have a lot of photographs, you have nothing to loose, except time, if you try to sell some.", "domain": "economics"}
+{"url": "https://www.forvermagazine.com/has-the-use-of-digital-media-providers-increased-during-the-two-years-affected-by-the-pandemic/", "date": "2023-01-29T11:30:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499713.50/warc/CC-MAIN-20230129112153-20230129142153-00651.warc.gz", "language_score": 0.9616001844406128, "token_count": 668, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__257139779", "lang": "en", "text": "Digitization is an important trend that has affected the construction industry on many levels. For example, the growing use of BIM is changing the construction process and the increase in online orders is affecting purchasing channels. Digitization will also affect the ways in which construction professionals gather information about products and solutions, which means that the media channels used by manufacturers to market building materials and products can also be used.\nThat is why we often interview suppliers about what media channels they use to gather information and focus on construction products and markets. In a previous article, we discussed a virtual trade fair that seemed to be a digital alternative to a physical trade fair that had been canceled due to a pandemic. What about the use of contractors by other media channels? Is it possible that there is also a trend towards digitization or a lack of pandemic effect? This is what we interviewed 950 vendors in Europe about the Q4 2021 report on USP Marketing Consultancy’s Contractor Monitor, which focuses on media orientation of vendors from eight European countries.\nThe use of suppliers’ media channels has not changed much in two years\nThe use of the six media channels included in our study by European suppliers has not changed much in two years. For example, the proportion of suppliers who cite the use of websites or manufacturers’ representatives as sources of information is still 90%. Similarly, the share of suppliers using brochures from manufacturers, wholesalers’ websites and digital newsletters in 2021 is the same as in 2019.\nRegarding media channels that show a change in use, the share of suppliers looking for exchanges has decreased significantly. As we mentioned in the previous article, this is due to COVID-19 bans. Other changes of use are relatively subtle. The use of specialist magazines seems to have declined somewhat, while wholesale representatives have been more busy in the last two years. Meanwhile, the share of entrepreneurs using social media has increased from 49% in 2019 to 57% in 2021, and the most significant increase is seen in the use of mobile applications, from 46% to 59%.\nDigitization or non-digitization?\nAs already mentioned, the changes are not or are more serious and at first sight do not reflect the trend of digitization in media use. Sure, the increase in mobile application and social media use can be seen as evidence of the digitalisation of media use, but it is easy to link this increase to a pandemic.\nIf you look at what vendors expect in the future, this picture will change. The use of digital media, such as the websites of manufacturers and wholesalers, digital newsletters and especially mobile applications and social media, is more often expected to be increased by suppliers. In the meantime, traditional media such as brochures from manufacturers, trade magazines and print newsletters are often expected to decline. These expectations revealed a slow transition from traditional to digital media.\nAlthough the trend of digitization is less visible in the above-mentioned development of media use by European entrepreneurs, it is important to realize that the ethics and behavior of these entrepreneurs may differ from country to country. To find out where the trend towards digitization is stronger or which countries have traditional origins as more sustainable, we refer you to the Q4 2021 Supplier Monitoring Report from USP Marketing Consultancy.", "domain": "economics"}
+{"url": "http://mydebtnegotiation.com/money/are-you-planning-for-the-future/", "date": "2017-12-16T05:27:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948583808.69/warc/CC-MAIN-20171216045655-20171216071655-00349.warc.gz", "language_score": 0.9674928784370422, "token_count": 627, "dump": "CC-MAIN-2017-51", "global_id": "webtext-fineweb__CC-MAIN-2017-51__0__133883833", "lang": "en", "text": "A recent report into personal finance has created something of a stir in Government circles with the majority of the UK population apparently confused by the vast array of financial products available.\nThe report confirmed the Governments worst fears with less than 4 in 10 of the UK population saving for their retirement – which will surely result in an even greater strain on the UK Pension system in the future.\nIt seems that there is still much work to do to educate the UK public with regards to saving for their future retirement, how to budget and looking beyond the short term. This has further strengthened the call for more detailed financial planning to be taught at school, ensuring that the younger generation are more aware of their future requirements.\nWhy are people not planning for the future?\nOf the reasons mentioned for this lack of long term planning were:\n- Confusion with regards to the cost of financial products.\n- A belief that the state would provide for people in the future.\n- Scepticism with regards to the financial industry (recent mis-selling scandals).\n- The cost of living.\nWhen you bear in mind the fact that the UK has one of the most developed financial markets in the world, it does seem strange that the general public are not planning for their future.\nThe longer this situation continues the more chance of firmer Government intervention which would be sure to cause resentment with the UK population.\nDid You Opt Out OF SERPS? Was It The Right Move?\nIt has recently been announced that the number of complaints from people who were potentially mis-sold State Pension opt out plans soared last year. Rising from 115 in 2005 to 954 in 2006, there is concern that many many more people may have been wrongly advised.\nThe plans centred around the opportunity to leave the State Earnings Related Pension Scheme (SERPS) or the more recent State Second Pension (S2P) and receive a national insurance rebate to start the new pension plans.\nThe problem is that while everything was upfront, and all payments were in line with the guidelines, there were some pretty hefty commissions paid. These commissions not only effect the short term value of the funds, but also result in less money to reinvest (and hopefully grow year on year) – with some people up to 40 years from retirement, the results could be fairly dramatic.\nThe Financial Services Authority are now suggesting that up to 120,000 people may have been mis-sold these plans and wrongly advised to opt out of SERPS / S2P. The industry will be undergoing yet another review of individual cases, in a chilling scenario to the more recent pension mis-selling scandal.\nWhile it is estimated that the average loss per person will only be in the region of £7 a week, this can add up to a fairly hefty sum for those who enjoy a long retirement. It seems that every time the government try to sort out the pensions problem in the UK, another problem appears. This is starting to have a serious effect on the publics trust of the industry, and will not help the governments long term target to reduce the state pension liability.", "domain": "economics"}
+{"url": "https://www.rfmx.net/cross-docking/", "date": "2023-04-01T14:41:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296950030.57/warc/CC-MAIN-20230401125552-20230401155552-00551.warc.gz", "language_score": 0.9320453405380249, "token_count": 196, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__173679252", "lang": "en", "text": "In the world of logistics, methods, and systems that can simplify and streamline the supply chain while cutting costs are constantly being refined and customized to better benefit individual businesses. Cross-docking is one such method.\nCross-docking is the practice of unloading freight from an inbound load, and then loading it directly into an outbound shipment with little to no storage in-between. Essentially, when companies use the cross-docking method, a distribution center functions more as a sorting center than an actual storage or warehouse facility.\nOverall, cross-docking is highly cost effective for any business with high-volume shipments and considerable transportation needs. Switching from the traditional distribution center model can prove cost-beneficial as well for companies looking to increase inventory turns and reduce material handling.\nTo find out how RFMX can help you utilize our cross-docking method, please email [email protected] or call direct 303-564-3355.", "domain": "economics"}
+{"url": "https://www.vianet.capital/about/index.html", "date": "2023-12-02T07:38:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100381.14/warc/CC-MAIN-20231202073445-20231202103445-00648.warc.gz", "language_score": 0.9529464840888977, "token_count": 273, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__234157260", "lang": "en", "text": "Tim Draper is founding partner of leading venture capital firms Draper Associates and DFJ.\nTim's original suggestion to use viral marketing in web-based email to geometrically spread an Internet product to its market was instrumental to the successes of Hotmail, YahooMail, and Gmail and has been adopted as a standard marketing technique by thousands of businesses.\nVenture successes include Skype, Overture, Baidu, Tesla, Theranos, Parametric Technology, Hotmail, Digidesign, Twitch.tv, and hundreds of others.\nAs an advocate for entrepreneurs and free markets, Tim is regularly featured as a keynote speaker in entrepreneurial conferences throughout the world, has been recognized as a leader in his field through numerous awards and honors, and has frequent TV, radio, and headline appearances.\nHe was ranked 52 on the list of the 100 most influential Harvard Alumni, and seven on the Forbes Midas List. He was named Always-On #1 top venture capital deal maker. He was awarded the Commonwealth Club's Distinguished Citizen Award for achievements in green and sustainable energy.\nTo further encourage entrepreneurship, Tim started BizWorld.org, a non-profit for children to learn entrepreneurship, Draper University of Heroes, a school for entrepreneurs 18-28, and he leads SixCalifornias, an initiative to improve the governance of California.", "domain": "economics"}
+{"url": "https://www.simutechgroup.com/ansys-software/ansys-startup-program/", "date": "2024-04-13T04:28:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816535.76/warc/CC-MAIN-20240413021024-20240413051024-00627.warc.gz", "language_score": 0.9378268122673035, "token_count": 219, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__91875654", "lang": "en", "text": "Gain access to the Ansys product suite, save money with software bundles, and build virtual prototypes through the Ansys Startup Program.\nWith the Ansys Startup Program, engineers gain complete access to simulation software bundles.\nThe bundle consists of a host of resources, including live trainings, on-demand webinars, and a dedicated SimuTech engineer to assist entrepreneurs like yourself in growing your business efficiently and rapidly.\nThis program is designed to cater to growing businesses that require full flagship products at reduced costs. With full access to our wide portfolio of multiphysics software bundles, bring your products from design to life.\nSmall companies are the lifeblood of the economy and serve as the backbone of innovation for the future. SimuTech Group can help get your product to market quickly, all while saving your company time and money.\nAs a Startup Partner, you’ll have opportunities for marketing with SimuTech and Ansys as well as full technical support for your software bundles to help get your products launched.", "domain": "economics"}
+{"url": "http://pbcsd.org/ww_collection.html", "date": "2017-04-25T18:18:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917120844.10/warc/CC-MAIN-20170423031200-00199-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9259135723114014, "token_count": 223, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__92936591", "lang": "en", "text": "Wastewater Collection & Treatment\nPBCSD owns and maintains 74 miles of sewer collection and interceptor lines and eight lift stations. District employs six full-time personnel who maintain the sewer collection system as well as the reclaimed water distribution system.\nPBCSD contracts with the Carmel Area Wastewater District (CAWD) for sewer treatment services. According to the contract entered into 1968, PBCSD has access rights to one-third of the CAWD's treatment plant's capacity by contributing to one-third of plant capital items costs. PBCSD also shares the treatment plant operations, maintenance and administrative (O&M) costs which amounts to about 40% of the plant O&M costs.\nPBCSD levies a sewer user fee on property owners to pay for the annual CAWD sewer treatment plant O&M costs. Sewer user fees are collected for the District by the Monterey County Tax Collector's Office on the property tax bills.\nThe District's sewer line replacement project uses a non-invasive \"pipe bursting\" technique that does not require tearing up roadways.", "domain": "economics"}
+{"url": "https://www.ifranchisemenat.com/our-consultants/mark-siebert/", "date": "2019-05-19T08:54:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232254731.5/warc/CC-MAIN-20190519081519-20190519103519-00261.warc.gz", "language_score": 0.9262539148330688, "token_count": 1163, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__171567698", "lang": "en", "text": "CEO & Sr. Franchise Consultant\nA franchise consultant since 1985, Mr. Siebert founded the iFranchise Group in 1998 as an organization dedicated to developing long-term relationships with successful franchisor clientele. Mr. Siebert has worked with hundreds of franchisors, from start-up operations to corporate giants. He is an expert in evaluating companies for franchisability, structuring franchise offerings, and developing franchise programs. The strategic planning recommendations developed by Mr. Siebert have been instrumental in the growth and success of numerous national franchisors.\nDuring his career as a franchise consultant, Mr. Siebert has personally assisted over 30 Fortune 1000 companies and over 250 start-up franchisors. Some of the more prominent companies he has helped include 1-800-FLOWERS, Ace Hardware, Anheiser Bush, Athlete’s Foot, Amoco, Armstrong Flooring, Auntie Anne’s Soft Pretzels, Berlitz, Bikram Yoga, Blockbuster, BP Oil, Buffalo Wild Wings, Bridgestone/Firestone, Carstar, Checkers/Rally’s, Chem-Dry, Chevron, Circle K, Claire’s Stores, Coldwell Banker, CompUSA, Comfort Keepers, Cosi, Coldwell Banker, Culligan, Denny’s, Dippin’Dots, DuPont, Einstein Brothers, El Pollo Loco, Encyclopaedia Britannica, FedEx Office, Fidelity Investments, General Electric, Goddard Schools, Guinness, Haagen Dazs, Hallmark, HoneyBaked Ham, IBM, Instant Tax Service, Jackson Hewitt, John Deere, Krispy Kreme, LA Weight Loss, Lenscrafters, Line-X, Little Gym, Manpower, Massage Envy. McAlister’s Deli, Mobil Oil, National Easter Seals, Nissan (Saudi Arabia), Nestle, Oreck, Payless Shoe Source, Perkins, Petland, Philips Van Heusen, Pinkberry, Popeye’s. Quizno’s, Rita’s Italian Ice, Ryder Truck Rental, Sears, Senior Helpers, Shell Oil, Sonic, Subway, Togo’s, T-Mobile, Texaco, and the U.S. Navy. He travels extensively to meet with companies considering franchising, and regularly conducts workshops and seminars on franchising in cities around the world.\nMr. Siebert also serves as a Partner and Member of the Board of Directors of Franchise Dynamics, LLC, the nation’s premier franchise sales outsourcing firm. Mr. Siebert has helped Franchise Dynamics grow from a start-up operation to a staff of more than a dozen professionals plus support staff whose combined credentials include the sale of more than 5,000 franchises.\nFor more than two decades, Mr. Siebert has been actively involved in assisting U.S. franchisors in expanding abroad. He has provided consulting services to franchisors in more than two dozen countries and his efforts have been responsible for the sale of numerous international licenses. Mr. Siebert has also personally supervised the establishment of international consulting practices in Argentina, Chile, Japan, Mexico, Spain, Uruguay, Peru, and the Philippines.\nMr. Siebert is widely acknowledged as a leading authority on franchise expansion and finance, having in 1989 led a joint venture for the purpose of obtaining funding for franchisors. In 2001, he co-founded Franchise Investors, Inc., an investment firm specializing in franchise companies.\nMr. Siebert has presented more than 400 speeches and seminars on franchising in cities around the globe. He has been a featured speaker for the International Franchise Association, the International Franchise Expo, the International Franchise Association’s Legal Symposium, the American Bar Association, the American Association of Franchisees and Dealers, the Franchise Finance Conference, the National Restaurant Association, the Canadian Franchise Association, the University of Chicago, Northwestern University, and at major franchise events in Argentina, Chile, Indonesia, Japan, Mexico, the Philippines, Peru, and Uruguay. He has been a featured guest on business programs airing on CNN, Fox Business Network, and other programs both in the U.S. and abroad.\nMr. Siebert has published well over 100 articles in dozens of business and professional periodicals, including The Franchise Handbook, Success, Venture, Entrepreneur (both in the US and in Japan), Entrepreneurial Edge, Commerce, Franchising World, Successful Franchising, Business Opportunities Journal, California Restaurateur, and Food Industry News. Mr. Siebert is the featured columnist on “How to Franchise a Business” for Entrepreneur.com and is a regularly featured columnist in Franchise Times magazine and The Franchise Handbook.\nMr. Siebert is frequently called upon as an expert witness in franchise-related cases. He was on the Board of Directors of the American Association of Franchisees and Dealers (AAFD), on the Board of Advisors to Connections for Community Ownership, was named to the Franchise Times list of “20 To Watch” in franchising in 2002, and in 2001 was named the AAFD’s Supporting Member of the Year and received the AAFD Special Recognition Award in 2003. In 2011, Siebert was the subject of a feature article in Restaurant Franchising entitled “The Franchise Growth Guru.”\nHe holds a B.S. in Advertising and an M.B.A. from Northern Illinois University, and has taught undergraduate and post-graduate courses in business and in franchising at Lewis University, Loop College, and DePaul University.", "domain": "economics"}
+{"url": "https://amendoeiraorganics.com/pages/our-story", "date": "2024-04-13T01:09:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816465.91/warc/CC-MAIN-20240412225756-20240413015756-00304.warc.gz", "language_score": 0.9527669548988342, "token_count": 283, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__61290427", "lang": "en", "text": "Love The Planet, Buy Organic!\nAmendoeira Organics was set up at the beginning of 2020. Just as the pandemic swept cross the world, bringing economies and countries to a standstill we received our EU Organic certification and decided to start growing organic fruit, nuts and vegetables.\nInitially we shared our produce with a few friends and neighbours, and gradually this group of customers (and friends) grew. In December 2020 we started selling our produce on Saturday’s at the Loule farmers market. We love being at the market and continue to go there every week.\nAs organic farmers we are committed to learning and applying regenerative and sustainable farming practices. Our aim is to continually improve the quality of the soil and the environment, while growing and selling fresh organic produce. We are only selling locally (to reduce the carbon footprint of the farm) and to ensure the produce as fresh as possible. (Most orders are harvested within 48 hours of delivery.) We obviously do not use any chemical pesticides, and fertilisers and almost all of our farming is done by hand – without the use of heavy machinery.\nWe believe farms should be at the heart of our local communities. We want our customers to get to know us and our partner farmers, and we are working to establish a collaborative and transparent way of working to bring ourselves, our customers and our partner farms closer to nature and each other.", "domain": "economics"}
+{"url": "https://thecompany.ee/product/businessthink-rules-for-getting-it-right-now-and-no-matter-what-david-marcum-steve-smith-mahan-khalsa/", "date": "2023-12-09T12:08:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100909.82/warc/CC-MAIN-20231209103523-20231209133523-00282.warc.gz", "language_score": 0.9496393799781799, "token_count": 296, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__48592819", "lang": "en", "text": "Over 50 percent of all business decisions fail; 82 percent of businesses go under before their 10th anniversary and 8 out of 10 new products fail. In direct contrast, research also shows that 91 percent of all businesspeople are as confident as ever in making decisions. Decision confidence is up. Success is down. While we are an inventive, entrepreneurial society, an innovation explosion has also been marked by business implosion.\nTo improve the odds for success, the authors of businessThink deliver a revolutionary new method that bridges the monumental gap between the results businesspeople want and the failure they often get. The rules of businessThink provide tomorrow’s leaders with the ability to create effective solutions and take themselves and their companies into the zone of optimum performance. businessThink transforms “workers” into businesspeople with provocative, powerful new rules that will help you:\n- Make winning strategic business decisions;\n- Have colleagues trust your judgment and leadership;\n- Leverage and utilize your talents;\n- Become highly influential and relevant; and\n- Create business value.\nWith rules like “Check Your Ego at the Door”, “Move Off the Solution”, “Create Curiosity”, and “Get Evidence”, businessThink goes where other business books are afraid to go and promises to significantly increase results by delivering hard-core business thinking and fusing it with high intuition and emotional intelligence to get it right – no matter what!", "domain": "economics"}
+{"url": "https://www.genano.com/infobase/are-you-aware-of-the-cost-of-healthcare-associated-infections-hai", "date": "2023-12-04T10:42:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100527.35/warc/CC-MAIN-20231204083733-20231204113733-00843.warc.gz", "language_score": 0.9450132250785828, "token_count": 159, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__169152676", "lang": "en", "text": "Of every 100 hospitalized patients, 7 in developed and 10 in developing countries will acquire at least one healthcare-associated infection, according to WHO. Healthcare-associated infections (HAI) are a huge cost for health care systems worldwide. It is estimated that in Europe alone, 16 million extra days of hospital stays and 37 000 unnecessary deaths yearly are due to HAI. Yearly financial losses are estimated to be at least 7 billion euros in Europe alone.\nMicro-organisms or dust particles carrying infectious agents can remain airborne for an indefinite time when they are small enough. Current fiber filter (HEPA) based systems are not sufficient to prevent airborne transmission. Specialized air decontamination procedures are required to control infections. Premium air quality prevents HAIs and is an investment that will pay itself back.", "domain": "economics"}
+{"url": "https://busconnects.ie:443/initiatives/next-generation-ticketing-cashless-payment/", "date": "2021-12-03T01:31:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964362571.17/warc/CC-MAIN-20211203000401-20211203030401-00427.warc.gz", "language_score": 0.9422877430915833, "token_count": 339, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__36963294", "lang": "en", "text": "Without changing the ticketing systems and the bus fares structure, the overall project would not deliver the full benefits that are possible under this transformation.\nThe second biggest source of bus delays, after traffic congestion, is the payment process at bus stops. Payment of fares by cash is still commonplace, slowing down the boarding time. Even when using the Leap Card, the complexity of payment stages means a high percentage of passengers have to interact with the driver, with resultant delays at bus stops. At busy bus stops these delays can be for several minutes. Multiply by the number of busy stops on a route, and those delays accumulate to add significantly to the overall journey time.\nTo tackle this, one of the NTA’s overall objectives is to develop a state-of-the-art ticketing system that ultimately makes payments more convenient for passengers. The Next Generation Ticketing element of BusConnects Dublin will implement an Account Based Ticketing (ABT) as the preferred option. This system aims to use cashless technology, allowing for payments to be made using cEMV (contactless credit and debit cards), mobile phones and tokens, all linked to a payment account. NGT will be implemented across Public Transport modes including metro, Luas and rail allowing for a seamless multimodal trip. The average bus user travels a distance of 8km passing by approximately 19 stops (assuming a stop spacing of 400m66). The BusConnects Dublin NGT element will facilitate the boarding process and reduce dwell time at each stop. In a scenario where this reduced dwell times at stops by 5 seconds this would deliver over 13 hours in time savings for the average bus user per year.", "domain": "economics"}
+{"url": "http://www.backyardchirper.com/blog/white-tailed-eagles-raise-about-12-million-annually/", "date": "2013-05-25T18:00:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368706009988/warc/CC-MAIN-20130516120649-00082-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9751590490341187, "token_count": 358, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__198029588", "lang": "en", "text": "For example, a few months ago, I wrote about how birds are economically important in terms of protecting valuable crops from intrusive insects and weeds.\nNow, a recent study pointed out that the White-Tailed Eagle brought in millions of dollars in tourism money to an island in Scotland, according to BBC News.\nThe study surveyed 1,200 people who visited Mull, an island in Scotland, and found that a quarter of them said the eagle was a significant factor in bringing them to the island. Then, through economic modeling, they estimated anywhere between £5 million and £8 million (roughly $8 million and $12.8 million) were spent because of the eagle’s lure. Tourism from the birds is also estimated to support 110 jobs.\nThose numbers were up from 2005 when the eagles brought in £1.4 million and 366 jobs.\nWhite-Tailed Eagles, which are very close relatives to the Bald Eagle, became extinct in most parts of Europe a few decades ago because of hunting.\nThe majestic birds are known as “flying barn doors” due to their broad wingspan of about 8 ft. and mainly brown body.\nWhite-Tailed Eagles are such a big draw because they’re being reintroduced to Europe in selected areas, including Mull. As a result, people are interested in seeing these rare birds take flight and go about daily activities.\nOne of the great outcomes of this study is the realization by the UK that conservationism has positive effects not only for birds and nature, but for the economy. It shows that there are monetary reasons to support environmental protections.\nHopefully this will also be an incentive and eye-opener for the US federal government’s effort on conservationism of birds.", "domain": "economics"}
+{"url": "https://obiaa.com/projects/digital-main-street-2/digital-transformation-grants/", "date": "2020-08-12T12:49:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439738892.21/warc/CC-MAIN-20200812112531-20200812142531-00592.warc.gz", "language_score": 0.9198580980300903, "token_count": 486, "dump": "CC-MAIN-2020-34", "global_id": "webtext-fineweb__CC-MAIN-2020-34__0__84924077", "lang": "en", "text": "Digital Main Street 2.0\nHelping Main Street Business Grow by Adopting Digital Tools & Technologies\nDigital Transformation Grants\n$2,500 Digital Transformation Grants for Main Street Small Businesses\nDigital Main Street is a program focused on assisting main street small businesses with their adoption of technologies. Through a partnership with FedDev Ontario and the Province of Ontario, grant opportunities are available to enable this digital transformation process. The Digital Transformation Grant (DTG) program provides funding for training, advisory support, and grants to main street small businesses looking increase their capacity through digital transformation.\nEvery business that wants to apply for grant funding must first take an online assessment of their current technology use and meet the eligibility requirements. Next, they must complete the online training in order to develop a Digital Transformation Plan (DTP) that will detail their goals and review the technologies needed to achieve those goals. To help implement their DTP, eligible businesses can apply for a one-time grant of $2,500 to assist with the costs of adopting the suggested technologies.\nHow do I apply?\nApplications for Digital Transformation Grants will open July 1st, 2020 and will continue to be accepted until November 30th, 2020. The process for businesses applying for a Digital Transformation Grant has two main stages.\n**NOTE: businesses MUST have completed their assessment, passed the eligibility quiz, taken the online training, and developed their Digital Transformation Plan BEFORE applying.\nStage 1 – Application:\n- Create an account on digitalmainstreet.ca/ontariogrants\n- Complete their digital assessment\n- Pass the eligibility evaluation (please refer to the DTG FAQs for full eligibility details.)\n- Complete an online training program focused on developing their digital literacy skills\n- Develop a Digital Transformation Plan (DTP)\n- Submit an application to include detailed information on the DTP along with a detailed budget (costs net of HST)\n- Submit a copy of their Articles of Incorporation (AOI) or business registration\n- Submit a picture of their store front/business operations\nStage 2 – Review and Award:\n- OBIAA will review the application and once approved, the business will receive an agreement to be executed by both the business owner and OBIAA\n- Upon receipt of the signed agreement, OBIAA will release the $2,500 grant to the business to begin implementing the DTP", "domain": "economics"}
+{"url": "http://www.rekaautomotive.com/about-us/", "date": "2020-12-05T02:41:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141746033.87/warc/CC-MAIN-20201205013617-20201205043617-00539.warc.gz", "language_score": 0.952079176902771, "token_count": 457, "dump": "CC-MAIN-2020-50", "global_id": "webtext-fineweb__CC-MAIN-2020-50__0__20604087", "lang": "en", "text": "Established as the official dealer of Pilkington Group UK in 1998, REKA Otomotiv İç ve Dış Tıc A.Ş is a dynamic and competitive organization that has been operating over twenty years, thanks to the highly professional service and competitive prices it offers.\nREKA Otomotiv İç ve Dış Tıc A.Ş began as a business to meet domestic requirements, however, today our business operations have been altered considerably. Since its establishment, the company has been serving the automotive industry and professionals using its long-time experience, service and tremendous inventory with a constant growth.\nToday, REKA Otomotiv İç ve Dış Tıc A.Ş is one among the key players in exportation of genuine auto spare parts worldwide and has got a long-lasting reputation and dignity in this field.\nOur extensive product portfolio covers a varied range of genuine spare parts of well-known auto brands, such as RENAULT, PEUGEOT, CITROEN, FORD, FIAT, MERCEDES, VOLKSWAGEN and OPEL/CHEVROLET with potential, satisfied customers in 25 countries in North Africa, South America, Asia and Europe.\nApart from the selected suppliers from all over the world with outstanding references, the ‘preferred partner’ status has been given to the REKA Otomotiv İç ve Dış Tıc A.Ş by the official dealers of above mentioned car brands in Turkey, is what our team takes great pride in.\nWe’ve reached this level through delivering both supplier and customer satisfaction and through a professional approach to business development and business sustainability that sets us apart from most other players in the region, since we offer complete automotive solutions for passenger cars.\nThat’s why we look at the future with great yet objective ambition and are exploring new markets year after year with the ultimate goal of having our satisfied suppliers and customers join us through this journey of progress.\nWe thank all of our Customers and Suppliers for their valuable patronage during these years which makes it possible to offer our best services and products at all times!!!", "domain": "economics"}
+{"url": "http://www.metalorad.com/bollinger-bands-technical-analysis-indicator/", "date": "2024-04-12T21:26:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816070.70/warc/CC-MAIN-20240412194614-20240412224614-00248.warc.gz", "language_score": 0.9170201420783997, "token_count": 2543, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__142958685", "lang": "en", "text": "Very quick and easy way to understand how to use Bollinger Band for trading….. If the bands are sideways i place my take profit a few points below the upper band. You can trade the concept on any timeframe as long as there’s sufficient liquidity. Am a better trader now in just 1week, by studing your materials. I was much against using indicators, but this is really useful and explained lucidly.\nAccording to John Bollinger, the fall in the Bollinger Bandwidth indicator below 2% or 0.02 has led to big moves in the S&P500 index. Conversely, when the upper and lower Bollinger bands tighten, an impulsive move is likely right around the corner. Exit after another bearish divergence on Bollinger %b, from above to below 100. Use failure swings on Welles Wilder’s Relative Strength Index to confirm the signals.\nThe middle line in the chart represents a Simple Moving Average of N periods. All information on The Forex Geek website is for educational purposes only and is not intended to provide financial advice. Any statements about profits or income, expressed or implied, do not represent a guarantee. Your actual trading may result in losses as no trading system is guaranteed.\nWhen calculating BandWidth, the first step is to subtract the value of the lower band from the value of the upper band. This difference is then divided by the middle band, which normalizes the value. This normalized Bandwidth can then be compared across different timeframes or with the BandWidth values for other securities.\nWhile it is possible to use the Bollinger Bandwidth in the market, its role usually a bit limited. The second step is to subtract the value of the lower band from the upper band. This result will show you the absolute difference between the two. Now, to get the Bollinger Bandwidth, you then divide the middle band to normalize the value.\nBollinger Bandwidth Does Not Forecast Market Direction\nAnother good example of this is Snap, which you can see in the chart below. As you can see, the Bollinger Bandwidth remained in a tight range before the stock collapsed. On the right side, the Bollinger Bandwidth remained at elevated levels ahead of the next earnings. Because of how it works, the Bollinger Bandwidth does not have a close resemblance to Bollinger Bands.\nHowever, you shouldn’t immediately open long positions in this situation. It is better to wait for additional confirmation because the bearish impulse was very strong. – the first low is below the lower boundary of the band or touches it, while the second low is inside the band. Their formation, as a rule, takes less time than peak formation. It is connected with the traders psychology – they act more actively at market bottoms than tops.\nDonchian Channel Indicator\nIt decreases as Bollinger Bands narrow and increases as Bollinger Bands widen. Because Bollinger Bands are based on the standard deviation, falling Band Width reflects decreasing volatility and rising Band Width reflects increasing volatility. Resistance refers to a level that the price action of an asset has difficulty rising above over a specific period of time. The breakout is not a trading signal and many investors mistake that when the price hits or exceeds one of the bands as a signal to buy or sell.\nA 20-day moving average would take the closing prices of the first 20 days as the first data point. Following this data point, the earliest price would be dropped, the price on day 21 would be added, and then the average would be calculated, and so on. In the next step, we will determine the cryptocurrency’s standard deviation. Bollinger Band is a popular technical indicator used by crypto traders to estimate volatility and find entry and exit points. Bollinger Bands have been used for decades and remain a valuable technical indicator.\nThe Kairi Relative Index is a technical analysis indicator used to indicate potential buy and sell points based on overbought or oversold conditions. The next data point drops the earliest price, adds the price on day 21 and takes the average, and so on. Next, the standard deviation of the security price will be obtained.\nNotice how BandWidth remained at low levels as the consolidation extended. A bullish signal triggered with the breakout in July 2007. BandWidth also rose as prices moved sharply in one direction and Bollinger Bands widened. This line marks 8, which is deemed relatively low based on the historical range.\nConversely, the wider apart the bands move, the more likely the chance of a decrease in volatility and the greater the possibility of exiting a trade. The bands do not indicate when the change may take place or in which direction the price could move. Bollinger’s Bandwith Indicator is used to warn of changes in volatility. As we know from using Bollinger Bands, a squeeze where the bands converge into a narrow neck often precedes a rapid rise in volatility. A Bollinger Band squeeze is highlighted by a fall in the Band Width indicator to below 2.0%.\nBollinger Bands formula is simple:\nThe Bollinger Bandwidth is a relatively easy indicator to calculate. Here, for first, you need to calculate the simple moving average of the asset. After this, you can calculate the positive and negative standard deviations of the asset. Also, the use of 20-day SMA and 2 standard deviations is a bit arbitrary and may not work for everyone in every situation. Traders should adjust their SMA and standard deviation assumptions accordingly and monitor them.\nYou know the middle line of the Bollinger Bands is simply a 20-period moving average . If you’re a new trader, it can be difficult to identify the volatility of the markets. Because in trending markets, the market can remain “cheap” or “expensive” for a long period of time. And if the is price near the lower Bollinger Band, it’s considered “cheap” because it’s 2 standard deviation below the average.\nMost forex traders are trend traders and follow the trend using… Pivot points are an excellent leading indicator in technical analysis. W-Bottoms and M-Tops were part of Arthur Merrill’s work that identifies 16 patterns with a basic W-Pattern and M-Pattern, respectively. Bollinger Bands use W patterns to identify W-Bottoms when the second low is lower than the first low but holds above the lower band.\nTo make a conclusion, it would be wise to adjust the Bollinger bands for the asset you trade. If the price crosses the upper or the lower band too often, it’s necessary to increase the period. If the price rarely reaches the outer bands, there’s a sense to reduce the period. I think it will be highly beneficial for all who will obey pros and cons of rules of the bollinger band strategy. An accumulation stage is a range market within a downtrend, where you can identify resistance and support as price swings up and down within the accumulation.\nIn other words, the width of the bands is equal to 10% of the middle band. Even though this level seems high, it is actually quite low for ALK. With the stock around 15-16, BandWidth was less than 10% and at its lowest level in over a year.\nWatching the bollinger bands bandwidth behave like this, a trader may wonder if the stock is in a new uptrend, or if it has met its resistance. Bollinger Bands can be used to determine how strongly an asset is falling and when it is potentially reversing to an upside trend. In a strong downtrend, the price will run along the lower band, and this shows that selling activity remains strong. But if the price fails to touch or move along the lower band, it is an indication that the downtrend may be losing momentum.\n- While Bollinger Bandwidth is a good indicator to use, there are difficulties when it comes to use it in the market.\n- John Bollinger has a set of 22 rules to follow when using the bands as a trading system.\n- The contraction or expansion of the trading bands signals volatility and potential price movement.\n- I have many years of experience in the forex industry having reviewed thousands of forex robots, brokers, strategies, courses and more.\nIt occurs when a reaction low forms close to or below the lower band. One of the most well-known theories in regards to Bollinger Bands is that volatility typically fluctuates between periods of expansion and contraction . With this in mind, the major trading signal generated by Bollinger Bands Width is known as The Squeeze. In this video, you’ll see BBW applied to a trend-following strategy, simply buying an asset when its price trend goes up and selling when its price trend goes down. The difference between the two bands can then be used as a filter for market entries; a narrowing of the width between the two bands is a condition for entry. Phases of flat calm, where volatility is very low, are usually believed to be followed by sudden movements that indicate a volatility explosion.\nBefore we dive into the strategies, let’s first discuss the indicator. Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in oureditorial policy. When the price continually touches the upper Bollinger Band, it can indicate an overbought signal.\nThe https://trading-market.org/ Bandwidth indicator doesn’t offer further trade support, so traders have to use other tools to confirm when to buy and sell. Bollinger Band is a technical analysis indicator designed to provide investors with insights to discover oversold and undersold assets. Or you can also use it to trade market reversals after the Bollinger Bands expand, which shows the increase in volatility of the market. If the price comes to a key market structure like support resistance and then forms a price rejection, that’s a possible opportunity for you to take a reversal trade.\nHowever, traders use the two indicators in a different manner. For example, there are those who use Bollinger Bands in trend-following and those who use it to find reversals. This happens by looking at where the price is in relation to the Bollinger Bands indicator.\n- When the indicator reflects low volatility, traders expect the price to gain momentum in the near future.\n- A middle band, which is a Simple Moving Average, as well as upper and lower bands which are spaced off the middle band.\n- John bought one of the first mini-computers to increase efficiency of his work.\n- If the bands are sideways i place my take profit a few points below the upper band.\nFalse signals are common when using the Bollinger Bandwidth indicator independently, without the support of any other technical indicators or fundamental analysis. Identify major resistance levels on the Bollinger bandwidth indicator to avoid dealing with false market movements. Identify key support levels on the Bollinger bandwidth indicator to avoid dealing with false market movements.\nMany new traders think they need more indicators to be a consistently profitable trader. Usually, all three signals are combined and used in one trading strategy. When the bands squeeze together, it usually means that a breakout is getting ready to happen. If you’re freaking out because you’re not familiar with standard deviations. Because Bollinger Bands measure volatility, the bands adjust automatically to changing market conditions. Bollinger Bandwidth is used to identify the squeeze, which is a consolidation period of price, after which the price then breaks out in a particular direction.\nAs a result, in a strong uptrend, consider looking for buying opportunities at the middle band. If the uptrend is not so strong, corrections may be deeper and reach the lower BB. In a strong downtrend, look for selling opportunities at the middle BB. If the downtrend is not so strong, retracements may take the price up to the upper BB. Usually, when the price goes beyond the outer Bollinger band, it signals the start or continuation of a trend.", "domain": "economics"}
+{"url": "http://www.pmf.org.uk/pag_news_archive_youth.php", "date": "2016-10-23T06:22:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-44/segments/1476988719155.26/warc/CC-MAIN-20161020183839-00219-ip-10-171-6-4.ec2.internal.warc.gz", "language_score": 0.9655250906944275, "token_count": 358, "dump": "CC-MAIN-2016-44", "global_id": "webtext-fineweb__CC-MAIN-2016-44__0__161764502", "lang": "en", "text": "Professor Peter Tufano took up his post on 1 July 2011 as the Peter Moores Dean of Oxford's Saïd Business School.\nProfessor Hamilton, Vice Chancellor of the University of Oxford, commented:\n‘To have such an eminent financial specialist and business school leader join us from Harvard is a great pleasure.\nPeter has an outstanding academic reputation and a strong record of forging collaborations within a world-class University and beyond. These achievements, combined with his impressive teaching experience and commitment to use rigorous business research to improve business and regulatory practice, make him the ideal person to lead the School.’\nProfessor Tufano said:\n‘I am thrilled to be asked to lead the Saïd Business School and to be joining the Oxford community. Society faces many problems today, and business, as the economic engine of society, has a critical and constructive role to play in addressing many of them. The world looks to leading business schools for innovative ideas that inform action, and for well-trained and principled graduates.\nSaïd Business School - a young, entrepreneurial school within one of the world’s finest Universities - is well positioned to excel on both of these dimensions.\nThe School has been extraordinarily successful since it was established in 1996: it has a very highly-regarded undergraduate programme, one of the top MBA programmes in the UK which attracts people from all over the world, and a well-established and innovative suite of programmes for executives. It is served by an outstanding faculty, and attracts some of the most able and committed students internationally. I am greatly looking forward to building upon this success, working with my new colleagues at the School and in the broader University to produce powerful ideas and outstanding graduates to strengthen both business and society.’", "domain": "economics"}
+{"url": "https://bilskyfinancialgroup.com/business-personal-property-renditions/", "date": "2021-08-03T23:05:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046154486.47/warc/CC-MAIN-20210803222541-20210804012541-00242.warc.gz", "language_score": 0.9559832811355591, "token_count": 259, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__44905338", "lang": "en", "text": "If you own a business, filing personal property taxes is a legal requirement that often requires a lot of time and due diligence. Each state has its own set of rules and regulations, making it helpful to retain a professional consultant who is familiar with local tax laws. It can be extremely time consuming and costly to use internal sources for these services. Outsourcing your business personal property taxes is the perfect solution as it will save you time and money in the long run.\nBusiness personal property is considered any item owned and used for your business. Examples of this include:\nWhy should you outsource?\nMany jurisdictions require you to report and account for fixed assets and inventory on an annual basis for taxation. Compliance with this reporting can be time-intensive and it requires a full understanding of which assets are taxable and which are not, helping to prevent the over or under-reporting of assets. With the overwhelming amount of forms, exemption applications, abatements, depreciation schedules, tax codes, and deadlines, compliance can become a heavy burden on many business owners.\nReady to Make an Appointment?\nContact our office at (469) 567-3017 or fill out an appointment request form to speak with a member of our team and discuss our business personal property renditions services, today!", "domain": "economics"}
+{"url": "http://ecocapacityexchange.com/industries/create-interest-free-capex-financing/", "date": "2024-04-14T18:11:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816893.19/warc/CC-MAIN-20240414161724-20240414191724-00415.warc.gz", "language_score": 0.9447393417358398, "token_count": 313, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__2622062", "lang": "en", "text": "AirlineCo is an investment grade multinational and one of the world’s largest global airlines. It is embarking on an ambitious fleet modernisation and expansion programme but has concerns about cost of financing. One hundred wide-body aircraft are on order, worth in the region of US $15 billion dollars. Approximately half of these will be delivered by one of the two leading global manufacturers, AirframeMakerCo.\nAirlineCo utilises a variety of methods to finance the acquisition of its aircraft including cash reserves, bank loans, capital market instrument and leases. AirlineCo is actively seeking the lowest cost source of financing for this major capital expenditure.\nBecause AirlineCo represents a significant portion of AirframeMakerCo’s order book, it is keen to strengthen its partnership with AirlineCo. AirframeMakerCo is willing to consider innovative customer financing solutions, provided there is a net economic benefit.\nGiven its investment grade credit status, AirlineCo is eligible for an ECO equivalent US $2.0 billion zero interest loan from the ECOWorld Alliance, which it uses to pay AirframeMakerCo for 12 of the wide-body aircraft.\nAirlineCo reduced its cost of capital through its 0% interest loan, diversifying its source of funding and conserving cash on its balance sheet. This was achieved without adversely impact its credit rating because outstanding ECO loans are not considered financial indebtedness.\n* For simplicity, ECO & US$ are considered parity in this example.", "domain": "economics"}
+{"url": "http://pay-day-loans-now-uk.payday-loans-advance.com/", "date": "2017-10-18T07:32:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187822822.66/warc/CC-MAIN-20171018070528-20171018090528-00233.warc.gz", "language_score": 0.9353004097938538, "token_count": 788, "dump": "CC-MAIN-2017-43", "global_id": "webtext-fineweb__CC-MAIN-2017-43__0__57095937", "lang": "en", "text": "- Secure and Safe\n- Fast Lender-Approval\n- Go Paperless\nSkip driving and long lines in the store.\nOnline approvals processed.\nYou may not need to leave your home to get a payday loan Skip the driving and long wait time.\nWe partner with 100+ approved lenders. We can get you connected with one of them!\nWhen you are redirected to a lender’s website, review the lender’s terms and approve the terms if you are satisfied.\nAre you experiencing money problems?\nDo you just need a small advance against your pay to tide you over?\nDo you need cash for an unexpected expense?\nThen a payday loan can be the solution you are looking for.\nWhat Are You Waiting For?\nWe pride ourselves on our speed to connect you with a lender. In most cases, submitting your information through our site may only take a few minutes of your time. After your information is submitted, you will be redirected to the lender’s website to review the terms of the loan, and if accepted, the funds will be deposited directly into your bank account!\nOur service is completely FREE to you! Our company does not provide cash loans – we are here to connect you with 1 of our 100+ partnered lenders.\nShort on cash? Caught between paychecks? We can help!\nSearching for Pay Day Loans Now Uk. Need to have around $200-$1000 within Fast Moment?. No Faxing & Poor credit Alright. Fast Online Authorization. Implement forFast Money This evening.\nPay Day Loans Now Uk, Then, you will need to sit down and draft instructions asking the credit rating reporting bureau to substantiate the items you located. So having a favorable credit score is obviously beneficial. If you use a score of 760 or over then you happen to be in good standing already and you might already experience exactly the same benefits that people with perfects scores have a. They advertise free reports, but charge an upfront fee. Legal repercussions will set you back a wide range of money, and you also could head to jail. Familiarize yourself with new notices and help clients better understand their credit. Loans for a bad credit score are the answer with the bad creditor prayer s. Keep managing your credit wisely and you might have lots of financial opportunities inside future. Remember that you happen to be entitled to take delivery of your credit standing once per year from any on the major credit scoring agencies. It is usually a cost effective strategy to help your credit standing from further problems. That said, a number of them will still lend for you in certain situations. This is because this company that manages FICO score has mentioned that it's going to pay no attention to all or any inquiries created in 30 days just before scoring. It will not matter how trustworthy and honorable you happen to be, problems of life and also the problems of your arduous economy can impact you. Repossessions and bankruptcies damages your score and earn it less likely to secure a loan from the future. Know the amount of you earn and where it's so that the bill never surprises you. While high interest levels are intimidating muscle strength, it may be the cycle of loan borrowing that's the most detrimental to those who utilize these services. There may also be no monthly rentals essential to be compensated for using the prepaid providers of an cell cellphone company. It also amended that Mortgage lending companies offer a clear credit standing open for individuals see upon request to prevent issues regarding low credit history. High balances: Your utilization rate accounts for 30% of your respective FICO score. Apply for Alaska, California, Delaware, Georgia, Hawaii, Idaho, Kansas, Maine, Maryland, Michigan, Mississippi, Missouri, New Mexico, North Carolina, Ohio, Oregon, Rhode Island, South Dakota, Texas, Utah,Virginia, Wisconsin, Wyoming. Pay Day Loans Now Uk", "domain": "economics"}
+{"url": "https://www.civicduty.org/big-charities-right/?mode=grid", "date": "2024-02-24T00:22:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474470.37/warc/CC-MAIN-20240223221041-20240224011041-00216.warc.gz", "language_score": 0.9464703798294067, "token_count": 673, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__66927738", "lang": "en", "text": "Julian Omidi is a philanthropist and social activist for many charitable causes. In today’s article, Julian takes a look at the five largest charitable organizations in the U.S. and discusses why each has been so successful.\nThere are thousands of charities out there competing for our donations of time and money, and numerous ways to ferret out the efficient, honest organizations from the others. That subject might be a focus of a future discussion on these pages. Today, I want to look at the biggest, best, most successful charitable entities in the U.S. These giant organizations can teach us much about how to raise money for our own causes.\nFollow the leader\nIn any industry, even the nonprofit sector, the leaders are in that position for a reason. With charities, the top dogs know how to get the job done, how to raise funds, build donor lists, enlist volunteers, foster smart growth and serve their public. A recent study by Forbes Magazine (http://www.forbes.com/top-charities/) listed the 50 largest charities, using factors like total revenue, private support and fundraising efficiency as measuring sticks. You have almost certainly heard of the top five, and maybe all 50. What is it about each that catapulted them to the top of the philanthropy sector? What makes a good nonprofit? Let’s see if we can find a pattern by perusing the top five, shall we?\n1. The United Way\nThe key to this organization’s success is wide appeal and extremely efficient fundraising. United Way raised nearly $4 billion last year through payroll deductions.\n2. The Salvation Army\nEssentially a church, SA is best known, and beloved, for delivering essential social services to some of the nation’s poorest citizens. Last year they raised slightly more than $2 billion, primarily through public solicitations at malls and department stores.\n3. Feeding America\nThe Chicago-based, national food bank entity is nearing the $2 billion annual revenue level. Interestingly, most of its gifts are in the form of donated foodstuffs.\n4. Task Force for Global Health\nTFGH operates like a food bank but collects medicines instead. Those gifts are distributed to needy people all over the world. Last year TFGH took in about $1.5 billion in donated money and medicines.\n5. American National Red Cross (not to be confused with the international organization)\nThe Red Cross raised $1.08 billion last year, which marked a 57 percent increase from the prior annual measurement. Whenever disaster strikes, the Red Cross is there. This organization is one of the best known charities in the world.\nAll the top five charities are efficient at using funds, serve a wide demographic and do a decent amount of advertising to get their message out. Most importantly, they tenaciously stick to their original goals. Smaller nonprofits could do well to abide by these general guidelines.\nSo, for those of you who are thinking about starting a charitable organization to assist a favorite cause, remember to stick to your dream, spend wisely and make a name for your nonprofit, at least within your own community. It’s always a good idea to set aside some of your donations for advertising purposes.\nBe good to each other,", "domain": "economics"}
+{"url": "https://allsoulsshreveport.org/site/2023/11/04/food-bank-of-northwest-louisiana-november-2023-give-away-the-plate-recipient/", "date": "2024-04-22T22:18:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818374.84/warc/CC-MAIN-20240422211055-20240423001055-00088.warc.gz", "language_score": 0.9144437313079834, "token_count": 423, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__17109938", "lang": "en", "text": "Each month we dedicate all of our non-pledge income to an organization doing the work that best embodies our Unitarian Universalist principles and values.\nFor the month of November 2023, we choose the Food Bank of Northwest Louisiana.\nIn this month when so many people will celebrate a bounty of food on their tables, we want to extend that possibility to many more in our community who struggle to keep food in the house.\nThe mission of the Food Bank of Northwest Louisiana is to serve as the primary resource for fighting hunger in Northwest Louisiana.\nThey do this in a number of ways:\n- Facilitating distribution of food from multiple centers throughout our community\n- Providing most of the food for the weekly Highland Blessing Dinner (helping that event to stretch their budget much further)\nEvery $10 donated to the food bank can provide $100 worth of food to hungry people — so let’s multiply our power together and give generously.\nTwo ways to donate:\nOnline — Go to our donation site using this link. If you are paying your pledge, select “2023 Pledges” and enter that amount for your pledge contribution. Then select “Collection Plate” to give the amount you would like to give to the Food Bank of Northwest Louisiana and then put “GATP NOV 2023” or “Food Bank of NW Louisiana” in the comment section. All online collection plate contributions for the month of November 2023 will go to the Food Bank of Northwest Louisiana.\nOffline — Please send your give away the plate contribution checks to All Souls Unitarian Universalist Church, 9449 Ellerbe Road, Shreveport LA 71106. Please put “Food Bank of NW Louisiana” on the memo line of the check if you want to have 100% of your check go to the Food Bank of Northwest Louisiana. If you want less than 100% of your check to go to the Food Bank of Northwest Louisiana, please put the amount you want going to the Food Bank of Northwest Louisiana on the memo line.", "domain": "economics"}
+{"url": "https://pppwu.org/about-pppwu-union/", "date": "2023-12-09T15:18:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100912.91/warc/CC-MAIN-20231209134916-20231209164916-00202.warc.gz", "language_score": 0.958120584487915, "token_count": 330, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__165787374", "lang": "en", "text": "Printing Packaging & Production Workers Union of North America (PPPWU)\nPPPWU represents workers in all craft and skill areas in printing including newspapers, magazines, catalogs, books, high-end commercial print, plastics for the food and medical industry, packaging including corrugated box and paper food containers, metal cans for food and industrial liquids, engraving and gravure for flooring and wallpaper, credit cards, government employees who print US and Foreign currency, passports and secure ID’s.\nWe have members throughout the United States and Canada.\nWhy the PPPWU?\nThe PPPWU fights for workers’ rights and benefits.\nThe PPPWU provides workers with a powerful, collective voice to communicate with management – there is strength in unity.\nThe Printing Packaging & Production Workers Union of North America pledges to work for our Members to ensure that you have the best contracts in place so that you and your families can enjoy security and prosperity from the fruits of your labor. This is best accomplished by having experienced representation from your existing Locals and District Councils and from Officers, Board Members, and Representatives with decades of experience working and representing workers in your industry.\nGiven the state of work in our current world, we believe that people must unite to obtain the full reward of their labor. We believe it is a natural right of working people to enjoy the wealth created by their labor to the full extent. And that workers should exercise their rights cooperatively and economically for the benefit of all people. Regardless of your specific needs, the union is here to help.", "domain": "economics"}
+{"url": "https://imaginationforsale.wordpress.com/2019/07/12/astarforcarrie-origin-story/", "date": "2023-03-20T18:28:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943555.25/warc/CC-MAIN-20230320175948-20230320205948-00508.warc.gz", "language_score": 0.9445680379867554, "token_count": 446, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__20110230", "lang": "en", "text": "Cosplay for Tips Leads to a Crusade\nI moved to Hollywood from Virginia in May 2019 to start Imagination for Sale, LLC because I believe in creating Art with a capital A… which requires Capital.\nShort on cash and in possession of a Princess Leia costume, I decided to try out the “cosplay for tips” gig in Hollywood Square. I had fun, got some tips for pictures, and found out Carrie doesn’t have a star.\nA crusade was born in my mind.\nI took every dollar I earned that day, bought ramen noodles, poster-board, markers, and a clipboard at the 99 cent store on La Brea.\nThe next day, I showed up with a sign and a petition and I haven’t stopped since.\nI collected 62 signatures on my first day.\nI created a spreadsheet, cataloging expenses, time spent, and signatures collected. I started an online petition, a crowdfunding page, and posted a blog explaining the project.\nI collected 312 signatures the second day.\nI needed a job, so I made one.\nThe cost of living in Los Angeles is ridiculous and it’s no wonder Hollywood Square is full of street performers, cosplayers, and vendors 365 days a year. A lot of those people are out there every day, trying to eke out a living in this extraordinarily expensive city.\nWeird Al’s fans managed to raise the funds for his Star on the Walk of Fame, but I don’t want to wait over a decade, so I made this project my full-time job.\nBased on national averages for costumed performers, sidewalk petitioners, and social media marketers vs. my skills and experience, I came up with a fair wage, considering I’m doing all three of those jobs at once.\nThrow me a chainsaw, maybe I can juggle too! (Please do not, maybe start with a feather…)\nI am giving other creative people the chance to earn a living wage while making a difference!\nCheck out my Nonprofit Startup page!\nPlease Donate to keep #AStarForCarrie going!", "domain": "economics"}
+{"url": "http://www.aykasa.dk/about-us", "date": "2020-06-02T17:36:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347425481.58/warc/CC-MAIN-20200602162157-20200602192157-00236.warc.gz", "language_score": 0.9390727877616882, "token_count": 127, "dump": "CC-MAIN-2020-24", "global_id": "webtext-fineweb__CC-MAIN-2020-24__0__177639767", "lang": "en", "text": "We are worldwide distributor of the colourful folding crates from Aykasa. Our warehouse is located in Denmark and we work closely together with transporters UPS, GLS, DB Schenker & DSV.\nToday we supply stores in the following countries:\nAustria, Czech Republic, Denmark, Germany, Great Britain, Finland, France, Island, Italy, Luxembourg, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland and the United Arab Emirates.\nIf your shop is located in a country not on the list above, e-mail us anyway - we can for sure supply you.", "domain": "economics"}
+{"url": "https://www.letsrecast.ai/affiliate", "date": "2024-04-17T09:56:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817146.37/warc/CC-MAIN-20240417075330-20240417105330-00323.warc.gz", "language_score": 0.9416284561157227, "token_count": 530, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__51956285", "lang": "en", "text": "How does the Recast Affiliate Program work?\nThe Recast Affiliate Program allows you to earn a commission of 15% for every paid signup you refer during the first three months. Simply sign up for the program, receive your unique affiliate link, and share it with your audience. You earn a commission when someone signs up for Recast through your link and becomes a paying customer.\nIs it free to join the Recast Affiliate Program?\nYes, joining our Affiliate Program is absolutely free. There are no upfront costs or hidden fees.\nHow do I get started with the Recast Affiliate Program?\nGetting started is easy:\n• Sign up for the Recast Affiliate Program.\n• Receive your unique affiliate link.\n• Share your link with your audience.\n• Earn a commission for every paid signup within their first three months.\nHow are referrals tracked?\nYou can track everything on your affiliate dashboard. When someone clicks on your link and becomes a paying Recast customer, the sale is attributed to you, and you earn your commission.\nWhen and how do I receive my commissions?\nCommissions are paid out every month. You'll receive your earnings via your preferred payment method, including Wise or PayPal.\nIs there a minimum payout threshold?\nYes, there is a minimum payout threshold. You'll receive your commissions once you reach the minimum payout amount, ensuring your earnings are efficiently processed.\nCan I track my referrals and earnings in real time?\nAbsolutely! Our affiliate dashboard provides real-time tracking of your referrals, clicks, and earnings. You can access this dashboard at any time to monitor your progress.\nIs there marketing support for affiliates?\nYes, we provide marketing materials, resources, and support to help you succeed as a Recast affiliate. Our team is here to assist you in any way we can. Just email us at email@example.com\nHow can I contact the Recast Affiliate Program support team?\nIf you have any questions or concerns or need assistance, please contact our dedicated affiliate support team at firstname.lastname@example.org. We're here to help you every step of the way.\nCan I refer other affiliates to the program?\nAt the moment, our program focuses on referring customers to Recast. However, we're continuously exploring opportunities to expand our affiliate program, so stay tuned for updates.\nIf you have any additional questions or require further assistance, please don't hesitate to contact our affiliate support team. We're here to ensure your success with the Recast Affiliate Program!", "domain": "economics"}
+{"url": "http://www.nortox.com.br/institutional.php", "date": "2015-03-30T04:24:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-14/segments/1427131299054.80/warc/CC-MAIN-20150323172139-00221-ip-10-168-14-71.ec2.internal.warc.gz", "language_score": 0.9435697793960571, "token_count": 790, "dump": "CC-MAIN-2015-14", "global_id": "webtext-fineweb__CC-MAIN-2015-14__0__175737732", "lang": "en", "text": "More than 50 years committed to agriculture, this genuine Brazilian company offers top quality agricultural products and services, providing safe and competitive solutions to Brazilian agriculture and cattle raising treatment, making healthier food available to consumers.\nIn all Nortox industrial units, the company goes beyond legal requirements, investing constantly in equipment and technology, to guarantee adequate treatment of industrial effluents. Another example of this priority is the maintenance of a forest reserve with more than 700.000 m2 of Northern Paraná native species, at the plant in Arapongas.\nNortox S.A. was founded on April 14, 1954, in Apucarana - PR.\nIt started its operations as an industry for the formulation of powder insecticide to fight coffee borer, in a time when coffee plantations were one of the main sources of wealth in Brazil, covering an area from the Old Pioneer Paraná to the margins of the Paraná River.\nIn the early 1960's, Nortox entered the market of insecticides for cotton crops. In 1966, it became a business corporation with national capital. Still in this decade, due to the need to expand and diversify its production line, the company moved to Arapongas, District of Aricanduva, where its modern industrial unit was built.\nThe company started in the herbicides business in 1972, when the market for this product began to grow. A short time after, Nortox began to synthesize the Trifluralin herbicide, and, little by little, created other units for the production of intermediaries required for its manufacturing. For this purpose, it developed the technology for amination, chloration, nitration, and fluoring. In the following years, the industry set off the production of technical and formulated Alachlor, Dimethoato and Diuron.\nThe 1980's was marked by great changes in agriculture. Non-tillage became possible when, in 1983, Nortox, in a pioneering operation, started to produce the Glifosate herbicide. As a consequence, the price of Glifosate lowered significantly and non-tillage was adopted all over Brazil.\nIn the 1990's, a change took place in the business scenario: business mergers, an increased number of multinational agrochemical companies, the import of active ingredients, and the end of some national production lines. Nortox defines a new strategic plan and takes a reverse path, expanding its line of products and synthesizing new molecules in Brazil, focused on crops the company had a vocation for.\nDuring this decade, Nortox maintained i´s growth rate following the brasilian agribusiness growth, Nortox has reaffirmed its commitment to Brazilian agriculture by setting up another industrial unit in Rondonópolis-MT. This commitment has involved the production of basic inputs to Brazilian agriculture. Nortox Centro-Oeste is located in an area of 42.000 m2, and has created more than 150 jobs and produced 70.000.000 litters/kg of agrochemicals per year.\nResult: today, Nortox is the largest national agrochemical company competing successfully with multinationals from the same sector.\nAlong with the growth of the Brazilian agribusiness, Nortox has reaffirmed its commitment to Brazilian agriculture by setting up another industrial unit in Rondonópolis - MT. This commitment has involved the production of basics inputs to Brazilian agriculture.\nNortox Centro-Oeste is located in an area of 42.000 m2, and has created more than 150 jobs and produced 70.000.000 litters/kg of agrochemicals per year.\nArapongas 43-3274-8585 - Rondonópolis 66-3439-3700\n© Nortox SA. Todos os direitos reservados.", "domain": "economics"}
+{"url": "http://www.ironroadlimited.com.au/about-us/suppliers", "date": "2017-04-30T18:32:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917125841.92/warc/CC-MAIN-20170423031205-00291-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9298732280731201, "token_count": 270, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__77642488", "lang": "en", "text": "To enquire about opportunities to participate in any Iron Road Limited projects please email your company brief and company information through the “contact us” link on the home page\nTo protect both Iron Road Limited and its suppliers, the company's purchasing policy requires that a purchase order must be issued to a supplier before any commitment to purchase goods or services is approved and before a supplier commences any work.\nIf you have been asked to provide goods or services to Iron Road Limited and have not received a purchase order for those goods or services, please request a purchase order before commencing any work.\nWhen Iron Road Limited issues a purchase order to a supplier, it will state on the purchase order whether the purchase order has been issued under the terms and conditions of a contract between the supplier and Iron Road Limited, or is subject to Iron Road Limited standard Purchasing Terms and Conditions.\nInvoicing and payment\nTo facilitate payment, suppliers must quote the relevant purchase order or contract number on all invoices. Payment may be delayed for invoices that do not reference a purchase order or contract number, or reference an incorrect or invalid purchase order or contract number.\nInvoices should be sent to:\nGPO Box 1164 Adelaide SA 5001\nThe company's standard payment terms for suppliers are 30 days from receipt of invoice.", "domain": "economics"}
+{"url": "http://oursilverribbon.org/?p=208", "date": "2020-10-25T02:33:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107885126.36/warc/CC-MAIN-20201025012538-20201025042538-00585.warc.gz", "language_score": 0.9589470624923706, "token_count": 535, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__52914949", "lang": "en", "text": "The House leadership continues to harm women’s health by restricting women’s access to reproductive health services. Tomorrow they’re going even further by bringing up H.R. 3 to the floor for a vote, a bill that places dangerous restrictions on insurance coverage for abortion.\nH.R. 3 is a dangerous and extreme bill that threatens women’s health by aiming to deny access to health insurance that includes coverage for abortion services, whether that insurance is public or private. The bill catapults from the fact that the federal government provides a tax break on most employer-provided health insurance most women rely on, to assert that the government can dictate that this workplace-based insurance cannot cover abortion.\nHR 3 allows no health exception: it would leave women whose health is seriously threatened by their pregnancies without access to the care their doctors recommend to protect their health. This would especially endanger the health of underserved women and those with greater health care needs. Women with illnesses like cancer and heart disease sometimes face severe, permanent health damage if they don’t have access to abortion care.\nH.R. 3 would invite an unprecedented, radical level of government intrusion into deeply private and personal health care decisions. While there is an exception in cases of rape or incest, incredibly, a rape or incest survivor seeking to include the cost of an abortion in her medical expense deductions or to use tax-advantaged savings to pay for the service could have to provide evidence of the rape or incest in the event of an IRS audit in order to prove herself eligible under longstanding exceptions for those circumstances. Clearly this level of government intrusiveness into an individual’s private and personal life is unacceptable.\nThe legislation would also codify harmful riders that deny women access to abortion care, including the recently reinstated interference with the District of Columbia’s use of its own local funds and the restriction on federal Medicaid, both of which disproportionately affect women of color and low-income women.\nBy banning abortion coverage for millions of women in the new health exchanges and imposing tax penalties on small businesses that offer comprehensive insurance plans, H.R. 3 would rob women of insurance coverage for abortion. According to the Congress’ Joint Committee on Taxation, the bill would likely take away health insurance coverage that women have today and would impose new tax penalties on millions of families and small businesses.\nContact Congress or Call 888-907-9762 TODAY and tell your Representative to oppose this harmful bill and protect women’s health.\nWear your Silver Ribbon and show that you Trust Women to make essential choices about our lives and our health!", "domain": "economics"}
+{"url": "https://selcukbayhanltd.com/exclusive-agent-agreement-model/", "date": "2024-04-22T09:11:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818105.48/warc/CC-MAIN-20240422082202-20240422112202-00086.warc.gz", "language_score": 0.9520374536514282, "token_count": 551, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__42116614", "lang": "en", "text": "The exclusive agent agreement model is a contractual agreement between a company and an exclusive agent. This agreement allows the exclusive agent to represent the company in a particular area or region. The exclusive agent is granted the sole right to sell and distribute the company`s products or services within their designated area. This agreement is mutually beneficial for both parties as it helps the company secure its market share while giving the exclusive agent a lucrative business opportunity.\nBenefits of Exclusive Agent Agreement Model\nThe exclusive agent agreement model has several advantages for both the company and the agent, including:\n1. Increased Market Share: By partnering with an exclusive agent, the company can increase its market share in a particular region. The exclusive agent`s local knowledge and expertise can help the company develop and implement a successful marketing strategy, thereby increasing sales and revenue.\n2. Focused Market Penetration: The exclusive agent agreement model allows the company to focus on a specific market and develop a strategy to penetrate it. This ensures that the company`s products or services are marketed to the right audience, increasing the chances of success.\n3. Reduced Costs: The exclusive agent agreement model can help the company reduce costs associated with marketing and sales. By partnering with an exclusive agent, the company can save on advertising costs and other expenses related to market entry.\n4. Better Customer Service: The exclusive agent`s local knowledge and expertise can help the company provide better customer service to its clients. The agent can provide personalized service and ensure that the company`s products or services are tailored to meet the needs of the local market.\nChallenges of Exclusive Agent Agreement Model\nWhile the exclusive agent agreement model has many benefits, it also has a few challenges that need to be addressed. These challenges include:\n1. Limited Control: The company may have limited control over the exclusive agent`s activities, which may impact the quality of service and customer satisfaction.\n2. Contractual Obligations: The company may be bound by contractual obligations that restrict its ability to sell its products or services in the designated area.\n3. Competition: The exclusive agent agreement model may not work in highly competitive markets where the competition is fierce, and the market share is already saturated.\nIn conclusion, the exclusive agent agreement model is an effective strategy for companies looking to expand their market share in a specific region. By partnering with an exclusive agent, the company can benefit from the agent`s local knowledge and expertise while reducing costs associated with market entry. However, companies need to address the challenges associated with this model to ensure its success. Overall, the exclusive agent agreement model is a mutually beneficial agreement that can help companies achieve their business objectives and build long-term relationships with their partners.", "domain": "economics"}
+{"url": "https://www.arc.tech/encyclopedia", "date": "2023-12-01T19:59:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100304.52/warc/CC-MAIN-20231201183432-20231201213432-00074.warc.gz", "language_score": 0.9593519568443298, "token_count": 22681, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__308035545", "lang": "en", "text": "The Startup Encyclopedia\nBrowse our end-to-end glossary designed to help you better understand the startup landscape.\nStartup accelerators are typically fixed-term and cohort-based programs that include a wide range of benefits including: educational sessions, access to legal, financial, go-to-market, engineering and other resources, discounted technology subscriptions (AWS, Google Ads, MailChimp…etc.) and mentorship. They are highly competitive, run for 6-8 weeks, are occasionally fee-free, and culminate in a public pitch event or demo day. Some of the most well-known accelerators include: YCombinator, 500 Startups, Angelpad, Techstars, GBeta, and Plug and Play.\nAn accredited investor is an individual who either:\n- Has a net worth that exceeds $1 million (alone or with a spouse)\n- Has earned an excess of $200,000 in each of the prior two years (or $300,000 together with a spouse or spousal equivalent), and reasonably expects the same for the current year.\nSomeone can also be considered “accredited” if they hold in good standing a Series 7, 65 or 82 license. Accredited investors can participate in venture capital, angel investments, real estate investment funds, private equity funds, hedge funds, and more.\nWhile the criteria to become an accredited investor is very specific, there’s no standardized federal verification process. It’s up to each startup to verify the status of a potential investor, before allowing them to contribute to a round of funding.\nAccrual accounting is the recognition of revenues and expenses when a transaction occurs rather than when the eventual payment is received. The method is in line with the matching principle, which requires revenues and expenses to be recognized in the same period in which they are incurred. The purpose of this form of accounting is to match revenues and expenses to the time period in which they were incurred, as opposed to the timing of the actual cash inflows and outflows related to them.\nAn administrative charge is a fee charged by a lender, bank, fund or other investment group for administering a new loan, line of credit, convertible note, and other financing vehicles to your business. Providers use this line item to cover the expenses related to record-keeping, filing and/or other administrative costs. It’s also referred to as an “administrative fee”.\nThe aggregate subscription amount is the total dollar amount of the pledged subscriptions under the subscriptions agreement. In other words, it is the gross amount of money that you receive from investors, funds, and groups from a stock, debt or options offering. It is calculated by multiplying the strike price per share by the number of shares purchased in the offering.\nAmortization is the process of spreading out the payback of a loan into a series of fixed payments, over a fixed period of time. Upon receipt of the final payment in the payment schedule, the loan is considered “satisfied”, or “paid off”.\nWhenever possible, request an Amortization Table to evaluate different loan options. Prior to selecting a plan, clarify if the rates in the amortization table include the additional fees related to the loan, such as: administrative fees, origination fees, preparation fees, processing fees…etc.\nAncillary documents, also known as supporting documents, are certificates, agreements, forms, and other written or recorded documentation that relate to a main document. They are typically used to verify and support a main document, such as your officer certificate (compliance certificate), secretary certificate, or board consent and shareholder consent document.\nAn angel group is a professional organization made up of individual angel investors who work together to identify and evaluate investment opportunities. When said opportunity is identified, they pull from the pooled funds to write a single check to the business.\nThe benefit of receiving funding from an angel group is that they typically have shared knowledge in the space and connections with industry operators. They also typically have connections to advisors and later stage investors, to whom they will likely introduce you.\nAngel investors (angels) are typically accredited investors who use their own wealth to provide capital to startups and other small businesses in exchange for equity in the business. The check size usually ranges from $5,000-$150,000 for a 3-20% stake in the business. Angels have historically invested in startups at the idea-stage when it is pre-revenue.\nUnlike an angel group, an angel syndicate is an informal group of accredited investors who can select to opt-in or out of individual investment opportunities. Each opportunity requires investors to write a new check, with which they pool together to invest (similar to crowdfunding).\nThe benefit from receiving funding from an angel syndicate, is that they typically are made up of individual operators who invest on the side vs a group of professional investors. Depending on your business model, these operators may introduce you to your first customers.\nAnnual recurring revenue, is a dollar figure that represents the normalized annual revenue that a company generates for providing a product or service. Used to determine the predictability of a businesses’ annual revenue, is typically applicable for companies that have a subscription component to their revenue model. Investors use a company’s ARR to quantify its growth, evaluate the success of the business model, forecast future revenues and provide revenue based financing.\nAnti-dilution protection (also know as an anti-dilution clause, subscription right, subscription privilege, or preemptive right) is used by investors to protect their investment in the event of a down round, or a significant dilution event, such as the issuance of new shares for a round of equity financing, or the conversion of a convertible note. It is triggered when the strike price for a round is less than the strike price from the prior round. The two commonly known types of anti-dilution protection include: \"full ratchet\" and “partial ratchet/weighted average.”\nAn acqui-hire is the purchase of a company for their employees rather than their product/service. Acqui-hires are typically completed in tech startups due to the fierce competition for talent and the general lack of capital constraints—e.g. the going rate for an engineer is often more than $1 million. Google, Facebook, Apple, Twitter, Hubspot, and Dropbox are just a few of the large tech companies that have recently completed an acqui-hire.\nAn Arc Advance, also known as a merchant cash advance, or receivables financing, is a form of revenue based financing that enables startups to fund their growth, by converting future revenue into upfront capital. With an Arc Advance, startups can receive up to $50M in funding without debt or dilution, so they can accelerate their growth and extend their runway.\nThe Arc Card is a flexible corporate card for fast-growing companies. It comes with a simplified rewards program, unparalleled control and visibility, credit lines that grow with you, and a remarkably simple interface. With the Arc Card, best-in-class comes standard.\nArc Runway provides financial insights in minutes, so you can analyze your net cash burn and efficiently deploy your capital to maximize your runway. By leveraging the insights from Arc Runway, you can weather a changing macro environment, and maintain ownership, control and operating flexibility.\nArc Treasury is the software bank for SaaS startups with the scale, speed, and flexibility that you deserve. It's built on top of industry-leading rails, meaning you benefit from the latest tech without any of the traditional drawbacks. With Arc Treasury, you can onboard in minutes and access funding in just seconds.\n“Asset Lite” refers to the amount of assets on a business's balance sheet. A business that is considered “asset lite” has little to no depreciating assets on their balance sheet. Businesses with an asset-lite business model typically delivers a better return on assets, lower profit volatility, and greater flexibility, compared to asset-heavy models. Examples of asset-lite businesses include: Airbnb, Uber, Lyft, Doordash, Instacart, and Postmastes.\nThe maximum number of shares that a company is allowed to issue, based on its articles of incorporation, is also known as its authorized shares. A company's outstanding shares can never exceed its number of authorized shares. The total number of a company's outstanding shares is the sum of the float (the number of shares actually available to trade) and the restricted shares (reserved for employee compensation and incentives).\nThe Automated Clearing House (ACH) is a standardized computer-network that facilitates the transfer of funds between tens of thousands of participating financial institutions. It consists of direct deposits and direct payments between businesses, governments, and consumers. The ACH system was designed to process payments in batches to reduce fees—which according to an article by Payments (“How Long Does an ACH Transfer Take?”) resulted in more than $55 trillion in transactions in 2019.\nBad debt is a term that describes loans and outstanding balances that are deemed uncollectible. They arise when a company is incapable of paying back debt, resulting in either delayed, reduced, or missing payments. These loans typically come with a high or variable interest rate and unfavorable terms.\nAs opposed to installment loans (or fully amortized loans) where all of the payment amounts are fixed, in a balloon payment, a lump sum is paid at the end of a loan's term. The final payment is significantly larger than all of the payments made before it, and as a result it is more risky so it often comes with a higher interest rate. The benefit is that the debtor has a lower initial payment, and typically lower ongoing monthly payments.\nBank reconciliation is the process of comparing a business’s bank balance to their books (e.g. their financial records). Differences between the records are reconciled, or adjusted/corrected, to make them align. This internal control is often used to prevent fraud.\nBargaining power refers to the relative ability of both parties in a negotiation to influence one another. In most negotiations, there is an inequality between the level of influence that both parties can exert, resulting in a one-sided compromise. However, in some cases, both parties have the same level of influence and thus they have equal bargaining power, resulting in a true compromise.\nBenchmarking is the process of comparing the metrics, policies and procedures of an organization to other best-in-class industry participants. Benchmarking is often used by both internal and external parties of an organization. Here are two examples of benchmarking in practice:\n- People Ops benchmark salary bands against companies in a similar industry, funding stage, and size to ensure their organization is in line with the competition.\n- Investors benchmark the metrics of a potential opportunity to gauge its relative attractiveness.\nYou can benchmark your expenses to identify areas of overspend here.\nThe term bill of exchange, also known as a ‘commercial bill’, requires one party to pay a fixed sum of money to another party on demand or at a predetermined date. Bills of exchange typically involve three parties—the drawee (who pays back the sum), and the drawer (who lent and is repaid the sum).\nBinding agreements are legal contracts that can be enforced at both the federal and state level. To be considered “binding” an agreement must meet the following criteria:\n- Legality — The contract must align with all federal, state, and local laws.\n- Consideration — The benefit that both parties receive from the agreement.\n- Capacity — All parties must be in a position to legally sign the contract.\n- Offer and acceptance — One party offers something and the other party must accept it.\n- Mutuality — Both parties must have intentions to complete their obligations, and have an understanding that they will be bound by the contract.\nThe term “board of directors” refers to the group of individuals that oversee the strategy and management of an organization. They are typically elected by a vote, but can also be elected as a stipulation of their participation in a funding round. The bylaws of an organization generally outline the number of board members, the election process, and the meeting frequency.\nBoard rights refer to the set of abilities that each board member of an organization has. These rights can range from calling a board meeting, raising a discussion item and voting on it, to requesting and inspecting all of a company's financials, and approving future rounds of funding. The full list of board rights are outlined in the bylaws of an organization.\nBootstrapping refers to an operating model where a newly formed company, or startup takes on minimal capital, and instead grows by reinvesting its revenue. Bootstrapped companies often leverage other forms of non-dilutive financing, such as revenue based financing to accelerate their growth and extend their runway. Examples of bootstrapped companies include Dell Computers, Meta (formerly Facebook), Apple, Clorox, Coca Cola, and Hewlett-Packard.\nThe bottom up financial model, also known as “bottom-up forecasting” is a method of estimating future performance by starting with low-level data, such as a company’s average monthly sales volume, to build “up” to its projected revenue for the upcoming year. Button-up forecasting is the opposite of top-down forecasting which starts with the TAM of a business to estimate its projected revenue for the coming year.\nBreak even point refers to the level at which a company’s revenue equals its expenses. When a company’s expenses exceed its revenue, it experiences a loss (the monthly loss is known as its burn rate). Conversely, when a company’s revenue exceeds its expenses, it experiences a profit. Ultimately, the goal of any venture-backed startup is to reach and exceed its break even point.\nA bridge loan is a type of short-term loan that is typically taken out for a period of 6 to 12 month for the purpose of “holding-over” a company until they can secure longer-term financing or they can receive significant cash inflows from a signed deal. Bridge loans do not come with extensions, so they are not preferred during periods of economic contraction.\nA more founder-friendly alternative to a bridge loan, is revenue based financing, which enables a company to convert their future revenues into upfront capital.\nBullet loans, also referred to as balloon payment loans, come with lower monthly payments, a higher interest rate, and a required lump sum payment at the end of the loan's term. Sometimes, the monthly payment is interest only and does not apply towards the principal, resulting in the entire principal of the loan plus interest being due at the end of the loan term.\nBullet loans are most frequently utilized when a business expects to receive a large inflow of cash at some point in the near future, but they need cash today to continue operations. So they take out a bullet loan with a term that best fits their needs, and they pay it back when they receive said inflow.\nWhile bullet loans can be useful for some circumstances, a more founder-friendly alternative is revenue based financing, which enables a company to convert their future revenues into upfront capital.\nA company’s burn rate refers to the sum of its cash outflows and its cash inflows each month. During periods of economic expansion, a venture-backed startup’s burn rate is typically much higher than it is during periods of economic contraction. A company’s burn rate is used in conjunction with its growth rate to calculate its runway, here’s a helpful tool to calculate your runway.\nWhen evaluating an opportunity, investors most frequently review its business fundamentals which can include its cash on hand, churn, burn rate, growth rate, and more. A business’s fundamentals vary based on its model, but they are always quantifiable and are almost always used to determine how it is performing.\nBusiness fundamentals are also used by a company’s internal management team to evaluate the performance of each of the functional areas. E.g. marketing and sales can be evaluated based on their number of opportunities, closed-won deals, and cost-per-opportunity; customer experience can be evaluated based on the number of closed tickets and average net promoter score.\nBusiness loans refer to any type of monetary exchange where capital is borrowed, with the expectation that it be paid back (often with interest) at an agreed upon point in time. There are many forms of business loans, including bullet loans, 7(a) Loans, 504 Loans, SBA Loans, Forgivable Loans, Term Loans, MicroLoans, and more.\nUnlike business loans, revenue based financing (RBF) does not come with an interest rate, instead it typically comes with a discount rate. Company’s leverage RBF to convert their future revenues into upfront capital.\nDuring a buyout, the majority share of a company’s ownership is acquired. By doing so, the acquiring company \"buys out\" the equity holders of the target company. A buyout is sometimes also known as a hostile takeover, if the buyout is against the wishes of the company's management team.\nThe “cap” on a convertible note outlines the maximum valuation at which the investment in the convertible note can convert into equity.\nCapital gains are equivalent to the appreciation in an asset's value that is realized when it is sold—they apply to any type of asset, including investments and those purchased for personal use.\nThere are two forms of capital gains, short-term (which are held for one year or less before being sold) or long-term (held more than one year before being sold).\nCapital growth is the appreciation in the value of an asset or investment over time. It is a percentage that is measured by subtracting the current value of an asset from its original purchase price, divided by the original price.\nThe term ‘capital under management’ refers to the amount of money that is available to invest by a fund, group or syndicate.\nThe cap table outlines all of the owners of a company, their equity percentage, equity dilution, and value of equity in each round of funding.\nThe term ‘cash advance’ refers to a lump sum payment that a company receives in exchange for making a series of fixed monthly payments in the future.\nThe cash flow statement is a financial statement that outlines all of the revenues and expenses of a company over a defined period of time.\nThe cash inflows of a business equal the excess of its revenues over its expenses.\nThe cash outflows of a business equal the excess of its expenses over its revenue.\nThe cash position of a company is equivalent to the amount of cash that it has on its books at a specific point in time.\nThe certificate of incorporation is a legal document that relates to the formation of a company.\nThe term ‘change in control’ relates to a contractual provision that gives a party certain rights (such as consent, payment or termination) in connection with a change in ownership or management of the other party.\nThe churn rate of a business refers to the percentage of its customers that have “churned” or ceased being a customer in a specified time period. The typical time period used to calculate a businesses churn rate is one month—enabling them to map it over time and identify trends.\nThe term ‘cliff vesting’ refers to the period of time in which a new employee must remain employed by the company in order to “unlock” a portion of their shares. The typical cliff for new stock-based compensation agreements is one year.\nCollateral refers to any asset that is owned by a company, and is used to secure a loan or other debt-investment.\nCommon stock, like preferred stock, is a form of ownership in a company. Typically common stock is owned by employees and founders, while preferred stock is owned by investors.\nCompliance costs are expenses that arise when a company adheres to regulatory requirements.\nThe term ‘condition precedent’ refers to the requirement in a deal for a condition or an event to occur before a right, claim, duty, or interest arises. If the condition precedent is not met, neither party is obligated to perform.\nA contingency is a requirement of a deal, that if not satisfied results in the other party being released from its obligations.\nA contingent liability provides coverage for losses to a third party for which the insured is vicariously liable. There are three types of contingent liabilities:\n- Probable - can be reasonably estimated to occur (and must be reflected within financial statements).\n- Possible - are as likely to occur as they are to not occur (and need only be disclosed in the financial statement footnotes)\n- Remote - are extremely unlikely to occur (and do not need to be included in financial statements at all).\nAn amendment is a change that is made to a contract. It is mutually agreed to by both of the parties and is used to add or delete sections or phrases, or change sections or phrases within it. With an amendment, the original contract remains intact, with typically only minor adjustments.\nConversion rights give investors the right to convert their preferred stock into common stock in the business. There are two forms of conversion rights—optional and mandatory. Mandatory conversion rights force investors to convert their shares in an exit or liquidation event.\nA convertible note is a debt vehicle used by early-stage investors to invest in a startup that doesn’t have a valuation—it starts as debt and transforms into equity upon certain milestones being achieved. The four main terms of a convertible note include its: interest rate, discount rate, maturity date, and valuation cap.\nThe term ‘convertible preferred stock’ refers to the class of shares that give the holder the right to convert their shares into a fixed number of common shares after a predetermined date.\nA corporate bond is a form of debt issued by a company to raise capital. An investor who buys a corporate bond lends them money in exchange for a series of fixed interest payments.\nThe cost of capital refers to the expenses related to a company’s raised funding. For revenue based financing the cost of capital is straightforward, it’s a fixed dollar amount. For convertible debt vehicles, such as SAFEs or convertible notes and equity financing, the total cost of capital is much less straightforward, because it depends on the ultimate exit valuation of the business and the provisions contained in the agreement.\nThe term ‘covenant’ refers to the provisions in a debt agreement that protect lenders from borrowers defaulting on their obligations due to financial actions—when breached, covenants trigger compensatory and other legal actions. There are two forms of covenants: affirmative covenants and negative covenants—negative covenants force borrowers to refrain from certain actions that could result in their inability to repay existing debt; affirmative covenants force borrowers to perform specific actions or maintain certain balances.\nA credit facility, also known as a line of credit, refers to the amount of debt capital available to a business. The longer the credit history, the larger the available credit facility is for the business.\nThe credit history of a business, also known as its repayment history, refers to its ability to repay its debts over time. The longer the period of consistent repayments, the better the credit history of a business appears.\nA creditor is a wealthy individual or institution that issues credit (debt) to another company. Creditors typically require collateral or personal guarantees to issue loans.\nThe term ‘crowdfunding’ refers to a form of raising capital from a large group of individuals, typically through the internet. There are three types of crowdfunding including: donation-based, rewards-based, and equity crowdfunding. Unlike raising capital from traditional funds and groups, the individuals who provide capital via crowdfunding do not have to be accredited investors.\nThe term ‘cumulative dividends’ refers to the amount of required dividend payments that a company has agreed to pay to its preferred shareholders. Cumulative dividends must be paid, even if they are paid at a later date than originally stated.\nThe current assets of a company include all of the assets that a company reasonably expects to use or exhaust within one year, which may include: its cash, accounts receivable, and inventory.\nThe current liabilities of a company include all of the debts or obligations that a company expects to pay back to its creditors within one year, which may include its: accounts payable, short-term debt, dividends, and notes payable.\nThe amount of money that a company is willing to spend on converting a customer is called its ideal customer acquisition cost.\nThe term ‘customer lifetime value’ is a dollar figure that describes what a customer is worth to the company. The higher the LTV of a customer, the more a company is willing to pay to acquire them.\nThe term ‘deal lead’ refers to the investor or fund who leads the funding round of a startup and sets the terms on which the investment will happen.\nDebt consolidation is the process of taking out one loan to pay off some portion of all the other loans that a company has. The new loan typically has more friendly repayment terms.\nThe term ‘debt financing’ refers to any financial product that involves the exchange of capital for a debt instrument, such as a loan, or convertible note.\nThe term ‘debt-to-equity’ refers to the relative ratio of a company’s liabilities to its shareholder equity—it is used to evaluate how much leverage a company is accessing. Company’s with a high debt-to-equity ratio carry a higher risk to shareholders.\nThe term ‘debtor’ refers to a company that is in debt to another company due to a financial arrangement, such as a loan or convertible debt product.\nA loan is considered “in financial default” when it cannot reasonably be expected to be paid back, or when only the interest can be paid back (i.e. interest-only payments).\nA loan is considered to be in a “technical default” when there is a failure to uphold an aspect of the loan terms (other than the regularly scheduled payments).\nThe term ‘depreciation’ refers to the relative drop in an asset's value, due to its decreasing useful life over time. There are four main forms of depreciation—straight-line, declining balance, sum-of-the-years' digits, and units of production.\nDilution refers to the process of decreasing existing shareholders relative ownership in the company, through the issuance of new shares in said company or through the conversion of options.\nEarly investors typically try to prevent the dilution of their shares by establishing provisions in their term sheets including: full or partial ratchets.\nThe term ‘dilutive financing’ refers to any form of fundraising where capital is exchanged for equity in the business.\nThe term ‘direct lender’ refers to a financier that provides the actual capital for a loan without an intermediary. By eliminating intermediaries, direct lenders are able to offer more competitive interest rates on their debt products.\nDirty term sheets, also known as predatory term sheets, are used to describe term sheets that are riddled with one-sided provisions and terms that are not in the founders’ favor. They are often deployed when a startup wants to raise capital while maintaining its inflated valuation and are based on internal rate of return mechanics other than price such as—price in kind dividends, or guaranteed multiple hurdles. Dirty term sheets misalign the interests of investors and operators, as investors focus their efforts solely on pushing the startup to go public. AVOID dirty term sheets at all costs.\nA disbursement is exactly the same as a dividend except that the term “dividend” is used for companies that are established as C Corporations, and the term “disbursements” is used to describe cash payments from S Corporations and mutual funds.\nA disclosure schedule outlines all of the fact-specific disclosures (or exceptions to specific statements) relating to the seller's representations and warranties. There are two types of disclosures—affirmative disclosures and negative disclosures. Negative disclosures list the exceptions or qualifiers to the seller’s responsibilities and warranties, whereas affirmative disclosures list the actual requirements.\nThe discount rate refers to the percentage used to discount a company’s future cash flow to its equivalent present value. The typical discount rate for SaaS startups is 20%, but it can be upwards of 40% in certain situations.\nA company disrupts another when it introduces a competing product at a more attractive price, with a better interface or feature set, or with unique positioning. Typically established legacy companies are disrupted by new startups, but they are sometimes disrupted by other legacy companies.\nRecent examples of companies with disruptive business models include: Airbnb (disrupting hotels), Uber (disrupting taxi cabs), Doordash (disrupting food delivery).\nA dividend is a payment made by a company to its investors and shareholders—it’s typically paid out quarterly.\nThe double entry accounting system is a form of accounting that requires two entries for every transaction.\nA down round occurs when a startup raises a new round of funding at a lower valuation than a previous round. When this occurs, typically the investors invoke their full (or partial) ratchet rights to ensure that they are not diluted.\nThe term ‘drag along rights’ refers to the ability of majority shareholders to force minority shareholders to join in the sale of a company at the same price, terms, and conditions as they received. If applicable, the drag along rights will be detailed in the provisions of the term sheet.\nStartups draw down their loans or credit lines when they access the capital that their lenders provide. Typically, startups shouldn’t draw down more than 50% of the loan amount to ensure they don’t surpass the ideal loan to value ratio.\nThe term ‘due diligence’ refers to the investigation process that takes place when investors are evaluating potential opportunities, or when a company is considering entering into a contract with another entity. Like the duty of care, the due diligence process centers around the research that a reasonable person would be expected to conduct.\nThe term ‘duty of care’ refers to the responsibility of the directors and officers of a company to conduct a reasonable amount of diligence prior to making a decision in good faith that aligns with the best interests of the company. The decision they make must also align with the decision that a prudent person would reasonably be expected to take in a similar position and under similar circumstances.\nThe term ‘duty of loyalty’ refers to the responsibility of all directors and officers of a company to act at all times in the best interest of the company, without personal conflicts of interest. One such example is the requirement to keep all company information confidential, and to not misuse or disclose such information.\nThe term ‘EBITA’ refers to a company’s earnings before interest, taxes and amortization—it is used to determine the financial performance of a company, and to compare the performance of two companies in the same line of business.\nThe term ‘encumbered’ refers to securities that are owned by one entity, but are also subject to a legal claim by another. When a company borrows from another, legal claims on the securities owned by the borrower can be taken as collateral by the lender in the event that the borrower defaults on its obligation. Encumbered assets are subject to restrictions on their use or sale, and in some cases, they cannot be sold until the outstanding debts belonging to the owner of the securities are paid back to the lender who holds the claim against them.\nEquity, also known as startup equity, refers to the degree of ownership stake that investors, founders and employees have in the business. Typically, the equity that employees and founders earn is subject to a four year vesting period and a one year cliff.\nEquity dilution is a decrease in the ownership percentage of a company held by individual shareholders, resulting from the issuance of new equity. This can happen when a startup fundraises or raises capital by issuing additional shares of stock.\nThe term ‘equity financing’ refers to a funding arrangement where an investor provides capital to a startup in exchange for equity or stock in the company. Venture capitalists, angel investors, angel syndicates, private equity groups and more all invest in companies via equity financing.\nThe term ‘exclusivity’ refers to the provision in some term sheets that limits the seller's ability to solicit an offer from or negotiate with a third party during a specified time period. It can also refer to the term in the contract that restricts one party from working with or selling to a competing party.\nAn exit, or liquidation event occurs when a startup goes public through an IPO, is acquired, or goes bankrupt. After such an event, the investors, founders and employees of said company have the opportunity to sell their shares and “cash out”.\nAn expense is any cost associated with running a business including: payroll, overhead, rent cost of goods sold…etc.\nA facility, also known as a credit facility or debt facility, is a type of financing that is provided to startups to fund their operations. All debt or credit facilities come with a set of repayment terms which outline the principal amount, interest (or discount) amount and fixed payment schedule.\nThe financial statements of a company include its: balance sheet, income statement and cash flow statement. It's used to convey the business activities and the financial performance of a company and is audited by government agencies, accountants, firms, etc. to ensure its accuracy for tax, financing, and investing purposes.\nFixed interest rate loans come with a consistent interest rate over the term of the loan, unlike variable interest rate loans.\nA flat round occurs when a startup raises a new round of funding at the same valuation as their previous round of funding. Unlike down rounds, flat rounds are neither good nor bad.\nThe float of an employee or investor's stock is a dollar figure that represents the difference between the strike price of their shares or options and the current fair market value of said shares or options.\nThe greater the float, the better (or worse) the investment is—yes floats can be negative if the current strike price is lower than the strike price they initially paid.\nThe term ‘flow of funds’ describes the process of how money moves between lenders or other capital providers and the company receiving the funds.\nStartups make predictions, or “forecast” their revenue, expenses and growth rate for the year using a variety of methods including: top-down, bottom-up and run-rate.\nForgivable loans are a form of debt that are “forgiven” or considered satisfied, after a period of time or a specified repayment milestone (often 80% of the loan value). They are typically provided by government organizations, such as the SBA.\nFounders shares, also known as founders equity or founder stock, refers to the equity that is allocated to the founders of an organization. In reality, there is no legal difference between founder's stock and common stock, other than the “founder’s stock” may come with additional restrictions, voting rights, and other rights.\nThe free cash flow of a business is the leftover cash it generates after paying for its operating expenses and capital expenditures (CapEx). The more free cash flow a company has, the better it is positioned to pay down debt and grow, thus the more attractive it is to investors.\nAs the name implies, in the friends and family round, your friends and family provide a capital injection into the business. It’s typically the first informal round of capital put into the business, preceding the pre-seed funding round.\nThe term ‘fully diluted shares’ refer to the total number of common shares of a company that are outstanding and available to trade after all possible sources of conversion, such as convertible bonds and employee stock options, are exercised.\nA fully drawn advance occurs when a borrower pulls their entire loan principal upfront and agrees to repay it plus the interest according to the amortization schedule and repayment terms.\nA funding round includes any formal cash injection into a business by an investment fund or accredited investor. Funding rounds for most startups typically range from pre-seed to series e, but hypothetically can go on forever.\nThe term ‘goodwill’ refers to the set of intangible assets that a company has on its balance sheet including its: brand recognition, customer and employee relations, and any patents or proprietary technology. To find the value of the goodwill that a company recognizes, subtract the book value of the company from its purchase price. Examples of companies with the largest recognized levels of goodwill include: Microsoft, Amazon, Apple and Alphabet (Google).\nGrant awards are essentially monetary gifts provided to companies that do not need to be paid back. They are typically awarded by government organizations such as the SBA, but they are also provided by other organizations who host pitch competitions.\nThe monthly gross burn rate of an organization is equal to its total expenses for said month including its rent, salaries, and other overhead.\nThe monthly gross income of a business is the total of its revenues for said month before any expenses, depreciation, or taxes. The gross income of a business is also known as its gross profit.\nThe gross margin of a product or service is a percentage that is calculated by subtracting the cost of goods sold from revenue, then dividing said figure by the revenue. The gross margin for software businesses is typically much higher than businesses that sell products.\nThe strategy of growing at any cost indexes almost exclusively on driving sales or users, without much regard for the quality of said users or the cost associated with securing them. Oftentimes a ‘growth at any cost’ strategy results in an insanely high burn rate, because the cost of acquiring the new customers is more than what they are worth to the business.\nGrowth capital is injected into businesses at critical points in their lifecycle, enabling them to acquire more customers and hire more team members—ultimately resulting in an accelerated period of growth. Growth capital comes in many forms, but the most common include: venture capital, venture debt and revenue based financing.\nThe term ‘growth rate’ refers to the percentage change of a specific variable within a specific time period—for example: users, customers, and valuation. The growth rate of a business is calculated by subtracting the ending value in question from the starting value, and dividing the result by the starting value. It is used by investors to predict future performance.\nStartups reach the growth stage when they have acquired a fair amount of customers, generate a steady source of income, and have proven product-market fit.\nWhile there are a variety of growth strategies, one thing remains constant—the goal: to convert more customers or get more users. The three most common growth strategies include market penetration, market expansion, and market development.\nThe term ‘guarantor’ describes an individual who promises to pay for the company’s debt in the event that the company defaults on its loan obligation, by pledging their own assets as collateral against the loans. There are two forms of guarantors: limited and unlimited—limited guarantors are typically only responsible for a portion of a loan, whereas unlimited guarantors are responsible for the loan in its entirety.\nHard money describes fiat money that has a stable market value relative to real goods and services and a strong exchange rate relative to foreign currencies. Businesses may choose to hold hard money because its stable value makes it a more conducive store of value, unit of account for profit-and-loss accounting, and medium of exchange.\nUsage in lending\nA hard money loan is a type of loan that is backed by the value of a physical asset, such as a car or home. Hard money loans typically have shorter terms and higher rates than traditional loans, and are more common in the real estate industry.\nHard money lenders are private lenders that provide funding for a hard money loan.\nA hedge is an investment that protects an investor's finances from being exposed to a risky situation that may result in a loss of value. Hedges serve as a form of insurance – they help prevent an investment from losing value by offsetting losses with gains in another investment.\nHedge funds are investment pools used to invest in securities or other investments with the goal of generating positive returns. Most hedge funds typically have more leeway to pursue investment strategies that may inherently carry a higher risk of loss.\nIndemnification is a form of insurance compensation for damages or loss. A party may choose to indemnify or pay for the potential losses or damages caused by another party.\nAn industry vertical is a very specific classification and description of a group of companies that focuses on a shared niche or specialized market spanning multiple industries.\nInformation rights is a provision in a term sheet that outlines the information a company must provide its investors beyond what state law requires.\nExamples of information rights provided to preferred shareholders in private companies include\nfinancial statements, capitalization table, budget, and inspection rights.\nInsolvent is a term used to describe a business or entity that is unable to pay back the debt it owes to its creditors.\nIntangible assets are assets that are not physically tangible in nature. Brand recognition, goodwill, intellectual property are all examples of intangible assets. Intangible assets created by a company do not appear on a corporate balance sheet and have no recorded book value.\nIntellectual property is a type of intangible asset and refers to patents, trademarks, copyrights, and trade secrets owned by a company. Intellectual property is protected by law.\nInterest is the amount a lender charges to a borrower for any form of debt given, usually expressed as a percentage of the principal amount. The interest rate could be considered the fee or price a debtor pays in order to borrow capital.\nAn investment is an asset or item an investor acquires with the goal of generating income or appreciation. Investments involve the outlay of capital whether it be in the form of time, effort, money, or an asset for future payoff that is greater than what was initially put into the investment.\nAn investment multiple, also known as a target rate of return, is the ideal percentage that the investor seeks to gain from their investment over a period of time. Typically VCs look set a target rate of return of between 25% and 35% per year.\nAn investment vehicle is a financial instrument, product, or container that houses a particular investment strategy that allows investors to earn a positive return through income and capital gains. Investment vehicles each carry different degrees of risk and can include individual securities such as stocks and bonds as well as pooled investments like ETFs and mutual funds.\nAn investor is a person or entity that commits capital with the expectation of generating income or profits.\nAn investor rights agreement outlines all of the rights that an investor has which may include, but are not limited to voting rights, inspection rights, rights of first refusal, and observer rights.\nBefore you sign a term sheet it is imperative that you understand the rights that your potential investors expect—do not agree to terms that you do not understand or have not discussed with your council.\nAn invoice is essentially an IOU used by businesses to charge their customers. They are typically leveraged in situations where a large dollar amount is due, and a credit card is not the most appropriate form of payment.\nInvoice financing, also known as receivables financing, is similar to receivables factoring, except that in receivables factoring the company gives up the rights to the receivables, whereas in invoice financing the company maintains the rights to the receivables and instead borrows money against them. Invoice financing helps businesses improve cash flow, pay employees, and reinvest in operations and growth, because they can access cash today by eliminating the time between customer-go-live and the eventual bump to their top line.\nAn issue is a process of offering securities in order to raise funds from investors. A business may issue bonds or stocks to investors in exchange for financing.\nThe term ‘issued shares’ refers to the number of shares that a company has allocated and are subsequently held by shareholders.\nKickers are rights, exercisable warrants, or other features that are added to a debt instrument to make it more desirable to potential investors by giving the debt holder the potential option to purchase shares of the issuer.\nA lead investor is the primary investor of a funding round. They are responsible for setting the key terms in the capital raise and oftentimes (but not always) is the largest investor. Lead investors play an important role since they act as a facilitator during the capital raise process as the terms secured in the initial term sheet will apply to all subsequent investors in the round.\nLegal fees are often assessed when negotiating term sheets, the related provisions or other transactions that require council. It is imperative that you understand the rights that your potential investors expect—do not agree to terms that you do not understand or have not discussed with your council. Lawyers are expensive, but they protect your best interests and your bottom line—as the saying goes: you get what you pay for, so don’t always go the cheaper route.\nLeverage is a business and finance strategy where companies leverage debt to build financial assets. Businesses create debt by borrowing capital from lenders with the promise that they will pay off this debt with added interest. A business is labeled as highly-leveraged when their total debt outweighs total equity.\nTo calculate financial leverage take total company debt and divide by total shareholder’s equity:\n- Leverage = total company debt/shareholder’s equity\n- Leverage = total company debt/shareholder’s equity\nLiabilities are the legal debts a business owes to third-party creditors and can include accounts payables, notes payables, and bank debt. Long term liabilities are obligations that are due after more than one year. Mismanagement of liabilities can result in negative consequences such as declining financial performance or bankruptcy.\nA line of credit is a credit facility that a financial institution extends to a government, business, or customer which enables the borrower to draw on the facility as needed and repay either immediately or over time.\nA Liquidation multiplier is a term that allows investors to receive a multiple of their liquidation preference in the event of a liquidity event.\nAn investor with one million shares of Series B preferred stock with an original issue price (OIP) of $1.00 would have a liquidation preference of $1 million. However if the same investor had shares with a liquidation multiplier of 2x, their liquidation preference would be $2 million.\nLiquidation preferences are the set of key term in any investment or lending agreement that give investors and creditors the right to be repaid in the event of a company's bankruptcy or liquidation. This protection can be vital for investors and creditors, as it ensures that they will not lose out if the company goes under.\nLiquidation waterfall defines the payout order in the event of corporate liquidation. Typically, the companys' preferred stockholders get their money back first, ahead of other kinds of stockholders (common shareholders) or debt-holders. These liquidation preferences can include a mix of standard and non-standard terms that further affect the payout order.\nA liquidation or liquidity event is the acquisition, merger, initial public offering (IPO), or other action that allows founders and early investors in a company to liquidate some or all of their ownership shares.\nFavorable liquidation events:\n- Sales of a company for cash\n- Sale of a company for shares\nUnfavorable liquidation event:\n- Company bankruptcy\nA loan is considered “in default” when it cannot reasonably be expected to be paid back, or when only the interest can be paid back (i.e. interest-only payments).\nFees paid to a lender to process a loan. These fees are paid only after the loan is accepted.\nThe term ‘loan to value ratio’ refers to the assessment of lending risk that is calculated by dividing the loan amount by the lender-assessed value of the business. Generally speaking, most lenders consider a LVR of 80% or more as being risky.\nThe term ‘lock up period’ refers to the period of time following an IPO of a company when investors or other shareholders are not allowed to redeem or sell shares. The typical lock up period is 180 days, but it can last for over a year. Lock-up periods are not required by the Securities and Exchange Commission (SEC) or any other regulatory body, but are established to prevent large investors from flooding the market with their shares.\nLoss of control occurs when a founder is removed from the leadership team of a company, via a board vote or a hostile takeover. A few founders that suffered a “loss of control” include: Steve Jobs (Apple), Jack Dorsey (Twitter), Andrew Mason (Groupon), and Jerry Yang (Yahoo).\nMajor investor rights define the threshold required to be considered a “major investor” and the associated rights that an investor receives for being considered as such. E.g. information rights, pro rata rights, co-sale rights, the right of first refusal…etc. Setting major investor rights is beneficial, because it can reduce the number of investors you have to coordinate or negotiate with during specific events—such as the sale of stock, or a liquidation event.\nA management rights letter is an agreement between a company and an investor that provides the investor with certain \"management rights\"—allowing it to substantially participate in, or substantially influence the conduct of, the management of the portfolio company.\nMandatory conversions occur when a key event takes place, such as an IPO, acquisition or merger. They result in the preferred shares of a company being converted into common shares. Mandatory conversions are outlined in the provisions of a term sheet.\nThe margin of a company is calculated by subtracting the expenses from its revenues. The higher the margin, the more likely the company is to generate a profit. Software companies typically have higher margins versus companies that sell physical products.\nCompany’s mark down the price of products that are not selling well to liquidate their inventory—sometimes to the point of losing money for every item sold. In price wars, companies race to the bottom by marking down their price.\nThe mark up on a product or service is the dollar amount that is added to its cost, forming its selling price. It is calculated by subtracting the cost of the product or service from its selling price. The markup for software is often high, while the markup for physical products is typically low.\nThe term ‘market penetration’ refers to the adoption of a company's product or service relative to the total estimated market for that product or service. Most companies never reach 100% penetration, due to saturation, competition and other factors in the market.\nThe maturity date of a loan or other debt product, refers to a specific point in time when the final payment is due. The maturity date of a loan is outlined in the repayment terms.\nThe term ‘merchant cash advance’ refers to the purchase of a company’s receivables—the company receives a lump sum payment in exchange for making fixed monthly payments in the future.\nMerchant cash advances are a form of receivables financing, and revenue based financing. They are the most founder-friendly way for startups to fuel their growth, as there is no debt or dilution. With merchant cash advances, startups can convert their future revenues into upfront capital so they can scale faster, on their terms and without restriction.\nThe term ‘mezzanine financing’ refers to a hybrid form of debt and equity financing, similar to a SAFE or convertible note, except that it gives the lender the right to convert its debt position into an equity interest in the company in the event of default. Startups leverage mezzanine financing to fund growth projects and to help with acquisitions. Mezzanine financing is subordinate to senior debt, and superior to both preferred and common stock.\nMicro venture capital, also known as Micro VC is a form of investing in seed-and-early-stage startups. Typically micro VC funds have less than $50MM in capital under management, have an average check size between $25-$500k and they invest on behalf of their limited partners (as do other VC funds). Startups typically use the funds from a micro VC investment to bring their product to market.\nA microloan is a type of loan typically used to finance entrepreneurial projects in impoverished or developing regions. Microloans are also offered to small businesses by the SBA, and can range from a few thousand dollars up to $50,000.\nThe Most Favored Nation Clause gives early investors the same rights and benefits received by later investors, if those rights and benefits are more favorable than those originally agreed to. MFN clauses are typically included in SAFEs and Convertible notes. MFN clauses give investors peace of mind—they are assured that they will not be disadvantaged compared to other investors in subsequent rounds, thus maximizing their potential returns.\nNegative cash flow occurs when a business has more outgoing money than incoming money. New companies and startups are typically cash flow negative, while creditors and financiers are willing to overlook this in the early stages of a company’s life cycle – eventually, these companies need to move towards being cash flow positive to receive additional funding.\nNegative covenants are restrictions placed on a borrower that restricts certain actions or behaviors. Examples of negative covenants can include: non-compete agreements that prevent a company from competing directly with another business for a specific period or a non-disclosure agreement that prevents a company from sharing trade secrets and proprietary information.\nNet income, also referred to as net earnings, is calculated as sales minus cost of goods sold, selling, general and administrative expenses, operating expenses, depreciation, interest, taxes, and other expenses. Net Income is a proxy for a company’s profitability and is a business metric investors may use to evaluate how much revenue exceeds the expenses of a company.\nNet profit is the amount of money a business earns after deducting all operating, interest, and tax expenses over a fixed period of time. In order to determine net profit, you need to know a company’s gross profit.\nNet profit is an important business metric that signals the profitability of a business. If the value of net profit is negative, then it is called net loss.\nNet worth provides a quick snapshot of an entity’s financial position, the metric can be applied to corporations, individuals, countries, and even sectors. Net worth can be calculated by taking the value of all the assets an individual or corporation owns and subtracting the liabilities they owe.\nClause that states or prevents the lending party from making an advance payment to the borrower.\nNon-dilutive funding is a financing tool businesses can deploy to fund their operations. Non-dilutive funding differs from dilutive financing options in that the business is not giving up equity (diluting their ownership) in exchange for funding.\n- No equity dilution - Because companies aren’t giving up an ownership stake in exchange for capital, debt financing helps founders maintain control over their business.\n- Cheaper - While debt funding has to be paid back, the overall cost is far less than equity financing as future profits are all yours.\n- Leverage - While debt financing requires revenue, it allows you to convert current and future revenue to leverage larger amounts of capital to power your growth.\n- Debt is senior to equity in the capital structure which means debt lenders have priority in claims in the event of a bankruptcy.\n- Harder to qualify for - Because debt lenders aim to minimize risk, qualifying for debt financing can be harder than equity financing.\n- Liability - Some lenders require a personal guarantee as a backup which could mean founders are personally liable for repayment in the event of business failure.\n- Warrants/Covenants - Some lenders include covenants(conditions) that have to be maintained as part of their funding requirement. Common covenants include the right to purchasing equity or pre-determined debt-to-equity ratios.\nOffering periods are defined in a Employee Stock Purchasing Plan (ESPP). During the offering period, payroll deductions are accumulated to purchase shares on your behalf.\nOpportunity costs represent the potential benefits that an individual, investor, or business forgoes when choosing one alternative over another.\nAn Option is a contract that gives the buyer the right, but not the obligation, to buy or sell the underlying asset by a certain date (expiration date) at a specified price.\nAn option pool refers to an allocation of company equity that has been reserved for early investors or employees of a start-up company.\nFees paid to a lender to process a loan application.\nOut-of-pocket costs refers to expenses incurred by employees that require a cash payment. The employer typically reimburses employees for these costs through an expense reporting system. Examples of out-of-pocket-costs include the cost of a business lunch with a client or the purchase of gasoline or tolls while engaged in company business.\nOverdraft facilities are agreements drawn between a bank and an account holder that allows the entity to take out or use more money than what they have in their account. These overdraft facilities work similarly to an approved loan since the account holder only has to pay interest on the amount owed and only for the time it was borrowed.\nOwner’s equity represents the owner’s rights to the assets of the business. To calculate owners equity, subtract the value of all liabilities from assets.\nDuring a sale, holders of preferred stock get preferential treatment and are typically paid first before holders of common stock. What makes participating preferred unique even when it comes to preferred stock is that holders of this stock class are entitled to receive a share of any remaining liquidation proceeds on an as-converted to common stock basis, after they have already gotten back their liquidation preference.\nPayback period refers to the amount of time it takes to recover the cost of an initial investment. In other words it is the length of time required for an investment to reach the break even point. The shorter the payback period, the more attractive a loan is to an investor.\nPayback terms, also known as repayment terms, outline the principal, interest (or discount) rate, and monthly payment amount.\nPayment-in-Kind refers to the instance where goods or services are used as payment or compensation in lieu of cash.\nThe term ‘personal guarantee’ represents an individual’s legal promise to repay credit issued to a business for which they serve as an executive or partner. Personal guarantees help extend credit worthiness and help businesses secure access to capital that they typically wouldn’t qualify for on their own.\nPersonal property is a class of property that can include any asset other than real estate. The main criteria qualifying an asset as personal property is that it is movable (not fixed permanently to one particular location).\nPetty cash is a nominal amount of money readily accessible for paying expenses too small to merit writing a check or using a credit card. Company’s typically keep between $100-$500 on hand to pay for small transactions like office supplies or catered lunches.\nA pitch competition is a business contest where entrepreneurs present their business concept to a panel of judges in hopes of securing cash prizes or investment capital. Popular pitch competitions include Y Combinator Demo Day, TechCrunch Disrupt, Hatch Pitch and Web Summit.\nA pivot is essentially a shift in business strategy to test a new approach regarding a startup’s business model or product. Startup founders and operators may choose to pivot their business strategy to better accommodate the needs of their target audience, to break into a new vertical or industry, or to better optimize their business’s finances.\nThe term ‘portfolio company’ is used to describe a company in which an investor owns an ownership stake in it. Investors look to increase the value of their portfolio company to recapture and earn a return on their investment.\nThe term ‘post-money valuation’ refers to the worth of a company after it has completed a round of funding. The post-money valuation of a company is calculated by dividing the investment amount received by the equity (percentage) purchased by the investor. The post money valuation of a business is always higher than the pre-money valuation of a business.\nThe term ‘pre-money valuation’ refers to the value of a company prior to completing a round of funding. It gives investors an idea of the current value of the business and provides the value of each issued share. It is calculated by subtracting the investment amount from the post-money valuation. The pre-money valuation of a business is always lower than the post-money valuation.\nPre seed funding typically follows friends and family rounds. It refers to the initial round of \"professional\" equity capital into a business. Companies raising pre-seed funding sometimes do not have a product, or even have a prototype—sometimes all they have is an idea. While the amount of capital raised from this form of fundraising can vary, it's typically between $100-$500k.\nThe term ‘preferred equity’ refers to any class of securities (stock, limited liability units, limited partnership interests) that have a higher priority for distributions in a liquidity event or a dividend event (compared to common equity). Investors typically require their portfolio companies to have two classes of stock: common and preferred—they also require their equity be considered preferred.\nA prepayment penalty is a fee that debt-financiers charge when the debtor pays off all or part of their loan early. This fee along with other applicable fees are outlined in the “Summary of Loan Documents”.\nIn a priced round, investors purchase stock in a company at an agreed-upon price per share. Priced rounds typically follow the issuance of a SAFE or a convertible note in a prior round, and are the most common investment structure in venture capital.\nPrincipal refers to the amount of money that is borrowed through a loan—it generally needs to be paid back in accordance with the repayment terms and along with the predefined interest (whether variable or fixed).\nThe term ‘private placement memorandum’(PPM), also known as an offering memorandum or offering document, refers to the legal document that is provided to prospective investors when selling stock or other securities. The disclosures included in the PPM vary depending on the exemption from registration type, the target investors, and the complexity of the terms of the offering. The presentation of the PPM is more factual and concrete than a business plan and addresses external and internal risks facing the company. Well drafted PPMs balance disclosure requirements with marketing elements designed to seal the deal.\nThe term ‘pro-rata rights’ refers to a contractual provision that enables investors to maintain their equity stake and their voting power even when new shares are issued, without the obligation to invest in later rounds. It is typically given to early stage investors who are willing to start up at one of their riskiest points in time. If the investor declines their pro-rata rights and fails to invest in follow-on rounds, they will be diluted. Being able to maintain a consistent ownership percentage in a company can mean the difference between making thousands and millions of dollars for an investor, hence the importance to maintain and activate their pro-rata rights.\nBefore you sign a term sheet it is imperative that you understand the rights that your potential investors expect—do not agree to terms that you do not understand or have not discussed with your council.\nProduct-market fit describes the degree to which a product satisfies the needs of a target audience. Companies with a strong product-market fit (and little competition) often have high margins because they do not need to spend time or financial resources educating or convincing the target audience that they actually need their product or service. Product market fit is less about hypothetical numbers, and more about an in-depth and tangible understanding of your customers, where they congregate and how they feel about your product or service. Achieving product market fit is crucial to escape the valley of death.\nA profit and loss statement is a formal financial document that is used to show the revenues and expenses of a company during a particular period. Creditors and investors use the profit and loss statements of a company to evaluate its financial soundness and growth potential.\nThe term ‘profit margin’ refers to the percentage of profit that a company generates for each dollar of sales. Example: 20% profit margin means that the company generates $0.20 of profit for every dollar of products or services it sells. Software startups and SaaS startups typically have higher profit margins compared to businesses that sell physical products. Profit margins are used by creditors, and investors to determine a company's financial health, management's skill, and growth potential.\nA projection is a type of estimate that is given to investors or potential financiers to explain the market opportunity, and revenue or growth potential that a startup has. Projections are typically based on the top-down or bottoms-up forecasting model, and are not intended to be used as KPIs.\nThere are five primary forms of projections including: sales projections, expense projections, balance sheet projections, income state projections, and cash flow projections.\nThe term ‘proof of concept’ refers to the process of determining the feasibility of an idea (in other words, the practical potential of a concept or theory)—it does not take into account the demand for such a product or service or the profitability of said product or service. Startups often undergo a few proof of concept exercises prior to launching out of stealth.\nProtective provisions ‘protect’ an investor's rights such as their ability to veto a decision or action that they do not agree with—e.g. the issuance of more stock, the liquidation of the company, or the acquisition of the company. Protective provisions mitigate risk for investors and help protect the interests of minority shareholders in the event that there is a disagreement regarding the best course of action for the company.\nBefore you sign a term sheet it is imperative that you understand the protective provisions that your potential investors expect—do not agree to terms that you do not understand or have not discussed with your council.\nPrototyping is the action taken immediately following the proof of concept phase, where design teams transform an idea into a tangible item (whether physical or digital). Once the item is created, it is shown to individuals in the target market to gather feedback, so it can be refined. Prototyping is an iterative process of refinement and feedback. By prototyping, startups can avoid wasting time and resources building products or services that are not commercially viable.\nThe QSBS exemption is a tax exclusion in the IRS code that enables shareholders to sell or exchange their qualified stock, and receive a break on their capital gains tax—potentially up to a 100% exclusion of tax on the capital gains. To qualify for the QSBS exemption, the company you have equity in must be incorporated in the US, the company must have gross assets of $50 million or less (at all times before and immediately after the equity was issued) and the company must not be on the list of excluded business types.\nFor more information on the QSBS exemption and to determine if you are actually qualified, we strongly recommend you talk to a tax and financial advisor.\nThe term ‘full ratchet’ refers to the contractual provision that prevents the dilution of an early investor by future rounds of fundraising. It typically also provides protection against a drop in the strike price, should the pricing of future rounds be lower than that of the initial round. Full ratchet provisions can be extremely dangerous for early stage companies, as they force the company to continue to raise at higher rounds, while simultaneously not allowing the investor to be diluted.\nBefore you sign a term sheet it is imperative that you understand the rights that your potential investors expect—do not agree to terms that you do not understand or have not discussed with your council. The last thing you want to have happen is you are raising a round of capital and the investor demands that they not be diluted or you have a down round and they expect their original shares to convert at the new (and lower) price.\nThe term ‘partial ratchet’, also known as a ‘weighted ratchet’ refers to the contractual provision that prevents the dilution of an early investor by future rounds of fundraising, and comes in two varieties: the narrow-based weighted average, and the broad-based weighted average. In either case, it takes into account the number of shares that are issued in the next dilutive financing round and the price is adjusted accordingly. The weighted/partial ratchet is a compromise to ensure that the early-stage investors maintain their benefits for getting in early, while simultaneously being a bit more friendly to the founders of the business.\nBefore you sign a term sheet it is imperative that you understand the rights that your potential investors expect—do not agree to terms that you do not understand or have not discussed with your council.\nThe term ‘recapitalization’ refers to the process of restructuring a company's debt and equity stack, to stabilize their capital structure. It is typically invoked when there is a drop in a company’s share price, or when the company attempts to defend against a hostile takeover, or bankruptcy, and involves the exchange of one form of financing for another.\nReceivables factoring, also known as accounts receivable factoring, is a type of alternative financing in which a company sells its receivables (invoices) to a third party at a discount to raise capital. It's similar to receivables financing, in that businesses can unlock capital today by tapping into their future accounts receivables, however, the key difference lies in the underwriting process and the collateral that is required.\nReceivables financing is a form of non-dilutive funding that allows startups to collateralize their future accounts receivables to receive capital today. This type of financing can be used to fund operating expenses, hire new employees, expand into new markets, and much more.\nThe term ‘recurring revenue’ is related to the revenue model that a company employs for its products or services. When a product or service requires that it continually be paid for (such as a software subscription), it is said to generate recurring revenue for the business. Businesses that typically have a recurring revenue model include software startups and SaaS businesses.\nBusinesses that have a recurring revenue model are the perfect fit for revenue-based financing.\nA recurring revenue loan is a type of debt-financing that is especially popular for software and SaaS businesses where they have a predictable stream of revenue. The loan amount is based on the size and nature (e.g. monthly or annual frequency) of the revenue stream. Recurring revenue loans are similar to revenue based financing (RBF) options, except that the receivables financing type of RBF is not considered a loan and does not carry interest.\nRedemption rights give investors that hold preferred stock the right to require that a company repurchase their shares after a specified period of time. They are designed to protect investors when a company’s valuation is stagnant, and is no longer an attractive acquisition target or IPO candidate. While rarely included in a term sheet, they can represent a major problem to companies that do not intend to generate positive cash flows for some time and as a result will not be able to pay back the investor in the event they exercise their right.\nBefore you sign a term sheet it is imperative that you understand the rights that your potential investors expect—do not agree to terms that you do not understand or have not discussed with your council. The last thing you want to have happen is an investor demands that you buy back their shares, and you don’t have enough capital to pay them back, or you have just enough capital to pay them back, but doing so will jeopardize your ongoing operations.\nThe term ‘refinancing’ refers to the ability of a financier to adjust the terms of a loan on the basis of a business's credit or repayment status/ The typical terms that are adjusted include the: interest rate (if fixed), payment schedule, and payment amount. Borrowers typically refinance when interest rates fall, or when they have a variable interest loan and rates are on the rise.\nThe term ‘registration right’ refers to the ability of an investor (who owns restricted stock) to require a company to go public so that the investor can sell their shares. There are two primary forms of registration rights: “piggyback”, which allow investors to have their shares included in a registration (IPO) that is currently in the planning stages by the company and “demand” which allow the investor to require a company to go public even if they’re not planning to do so in the near future.\nBefore you sign a term sheet it is imperative that you understand the rights that your potential investors expect—do not agree to terms that you do not understand or have not discussed with your council. The last thing you want to have happen is an investor demands that you go public, and you are not ready or prepared to go public.\nThe repayment terms of a loan stipulate the time period in which the debt is required to be paid back, the fixed (or variable) payment amount, the interest (or discount) amount associated with the loan and any associated provisions related to the agreement.\nThe term ‘representations and warranties’ refers to the set of assurances given by both parties in an agreement. Representations and warranties are not required by law but are in nearly every purchase agreement of equity. The primary goal of representations and warranties is to transfer risk from the buyer to the seller, and vice versa.\nThe term ‘retention of title’ refers to the provision in a contract for the sale of goods, which enables the seller of the goods to maintain ownership of the goods (title) until the buyer fulfills their obligations, which can include the payment.\nRevenue based financing is the friendliest way for startups to accelerate their growth, extend their runway and make strategic bets. It’s a type of business funding in which a company secures capital by selling rights to their future projected revenue streams at a discount. This is a win-win for both parties, as the startup receiving the capital can eliminate the time gap between customer-go-live and the eventual bump to their top-line revenue, and the financier generates a predictable return.\nThe two major types of revenue based financing are receivables financing and receivables factoring. The main difference being the sale of individual invoices (factoring) vs a cash advance on future projected revenue streams (financing).\nFor a more in depth look at revenue based financing, including the qualifications, top providers and frequently asked questions, check out the comprehensive guide we put together.\nA revenue sharing note (RSN) is an agreement, in which a company borrows money from an investor and agrees to pay back a certain percentage of their revenue every quarter until all of the principal and accrued interest from the loan is paid back. The four major things that should be considered prior to signing a RSN agreement include the: investment multiple, maturity date, revenue share percent, and internal rate of return. It functions similarly to a revenue based financing agreement, except that the rate of repayment is not fixed—in periods of lower revenue, you pay a lower amount and in periods of higher revenue you pay a higher amount.\nFor high-growth startups this fluctuation in payment amounts is often challenging, because they cannot fully leverage the additional revenue they generate to further increase their growth rate.\nThe term ‘right of first refusal’, also known as a “preemptive right” refers to the ability of an investor to take the first “at bat” in the event of a potential liquidation event, sale of equity or other relevant trigger. For example the right of first refusal related to the sale of equity would give an investor the right to purchase (or pass) on the shares being offered by a shareholder, before anyone else gets the same opportunity. In the event of a liquidation event, it would give the investor the right to purchase (or pass) on the outright sale of the company and its assets. Typically the right of first refusal is included in the provisions of the term sheet that is provided to the business receiving the investment.\nThe term ‘right to audit’ refers to an investor's (or board member’s) right (but not obligation) to audit the books, balance sheet, user base, code base or other centralized record of their portfolio companies’ that is directly related to its business operations and performance. Typically the right to audit is included in the provisions of the term sheet that is provided to the business receiving the investment. A recent example of an investor leveraging the right to audit, is Elon Musk who requested access to the user logs of Twitter to determine how many actual fake and spam accounts there are (compared to the 5% they reported).\nThe term run rate refers to the financial performance of a company based on its current business fundamentals, and is used to predict its future performance with the assumption that market conditions remain constant. For example, if a company has generated $50 million in revenue each quarter for the past three quarters, the run rate for the following quarter would be estimated at $50 million, and the annual revenue run rate would be estimated at $200 million.\nCalculating the run rate of an organization is a more accurate form of forecasting compared to the bottoms-up and top-down forecasting methods. It is particularly useful for estimating the performance of companies or departments that have been operating for less than a year.\nWhile the run rate of a mature business is relatively consistent, for seasonal businesses or businesses whose sales are highly dependent on the economic landscape (such as the travel or luxury clothing industry) it can be highly inaccurate.\nRunway refers to the period of time that a startup can “survive” or continue operations based on its monthly cash burn and its cash in the bank. The shorter the runway a startup has, and the higher the burn it has, the more likely it is to go bankrupt. During periods of economic expansion, the burn rate a company has doesn’t matter as much as its growth rate, as investors are willing to fund companies that are growing exponentially. During periods of economic compression, investors are much more stringent on a company’s cash burn and growth rate, often suggesting that company’s conserve their cash and cut back on their growth plans to extend their runway. A company has an infinite runway when it surpasses the break even point—i.e. when its revenues exceed its expenses.\nA SAFE note is a form of financing used by early-stage startups (typically seed stage) to raise capital from investors. They are short five-page documents with standard, non-negotiable terms (other than the valuation cap). Like options or warrants, they allow investors to buy shares in a future priced round at a discount, however, unlike convertible notes, they are not debt and do not accrue interest.\nScalability refers to the relative ability of a business to scale its operations. The scalability of a business directly affects its valuation, because it is related to how fast and how profitable it can be given the right market conditions. The more scalable a business’s model is, the more it is worth. Software startups and SaaS startups with asset-lite business models are often the highest valued companies because they can essentially scale indefinitely without inventory, physical assets, or intense amounts of labor.\nA secretary’s certificate is exactly what it sounds like: a certificate signed by the secretary of a company—that is delivered at the closing of a transaction. It typically contains the following information: certified copies of the organizational documents of the company, certified copies of the authorizing resolutions for the transaction, statements to the incumbency of all individuals executing the operative agreements, and all other necessary documents.\nThe Securities and Exchange Commission (SEC) is an independent governing body that oversees the rules and regulations related to the purchase, sale or transfer of securities in the US. The primary goal of the SEC is to enforce laws against market manipulation.\nSecurities law compliance refers to the adherence of the rules and regulations provided by the U.S. Securities and Exchange Commission (SEC) Financial Industry Regulatory Authority (FINRA). The penalties for violating securities laws range from time in prison to large monetary fines.\nSeed funding is typically the first official round of equity funding into a business (preceded occasionally by a pre-seed round). Seed funding is leveraged by companies to finance their first round of market research and product development, along with the hiring of a couple of key individuals. The typical investors of a seed round include: friends, family, incubators (like YCombinator), and angel groups and angel syndicates. The typical amount of seed funding ranges from $25,000-$2 million (the medium was $1 million in 2020), at a valuation between $3-6 million.\nSenior creditor refers to a financier that is paid back first in the event of a bankruptcy, followed by junior or subordinated debt holders or hybrid debt holders (e.g. convertible notes), preferred shareholders and lastly common shareholders. Senior creditors are often bondholders or banks that have revolving credit lines, and typically require a lien against a company’s collateral to secure the credit facility.\nSenior debt, also known as senior notes or senior loans refers to a form of debt financing that is repaid first in the event of bankruptcy, followed by junior or subordinated debt holders or hybrid debt holders (e.g. convertible notes), preferred shareholders, and lastly common shareholders. Senior debt typically requires a lien against a startup's assets or collateral, and a personal guarantee from the founders of said startup to secure the capital.\nServiceable available market (SAM) refers to the portion of a company’s TAM that is targeted by a company’s products and services, and is within its geographical reach. The SAM of a business is always smaller than its TAM, and larger than its serviceable obtainable market (SOM).\nServiceable obtainable market (SOM) refers to the portion of a company’s SAM that can be reasonably expected to be captured. The SOM of a business is always smaller than its SAM and\nA shareholders agreement is a pre-arranged document that outlines how the company will operate, and the rights and obligations that the shareholders of the company have. The purpose of this document is to ensure that shareholders are treated fairly and that their rights are protected. It typically includes: the number of shares issued; a cap table; any restrictions on transferring shares; pre-emptive rights; and payments details in the event of an exit. Shareholders' agreements are optional and are most helpful when an organization has a small number of active shareholders.\nA silent partner is an investor who shares in a startup’s profits and losses but is not involved in the day to day operations or management of the business. Typically a startup’s pre-seed and seed investors, such as angel groups or angel syndicates, are silent partners. But as a startup matures and raises additional rounds of funding, the investors become active partners, occasionally through a seat on the company’s board of directors.\nSingle-entry bookkeeping refers to a method of accounting in which each transaction is recorded as a single-entry in a journal. The cash-based bookkeeping method tracks incoming and outgoing cash for a business, leading to a cash balance at the end of a period. Typical cash books include the following for each transaction: date, description, value, cash on hand. A great example of single entry bookkeeping, is the daily activity of balancing your physical checkbook (assuming you still have one).\nSmall business association loans range from $500 to $5.5 million and can be used for most business purposes, including the purchase of long-term fixed assets and working capital. SBA loans come with a few benefits including: competitive terms, counseling and education, lower down payments, flexible overhead requirements, and no collateral requirements. There are three main types of SBA loans: 7(a) loans, 504 loans and microloans.\nThe small business association (SBA) is a governmental organization that helps small businesses through capital injections (loans), guidance, counseling and mentorship, and contractual expertise. Often the SBA works with local chambers of commerce to connect new business operators with established business operators in the community. The SBA works to ignite change and spark action so small businesses can confidently start, grow, expand, or recover.\nThe small business innovation research program is run by the SBA with the intent to help small businesses conduct research and development through contracts and grant funding.\nSoft landings, like acqui-hires, are the result of an acquisition. Unlike an acqui-hire though, in the event of a soft landing, the investors of the company basically get no money back. The goal is to “softly land” the employees and the assets, as the only other option is bankruptcy. Soft landings are sometimes the result of vulture capital.\nSoftware as a service (SaaS) refers to a business model in which a company sells cloud-based software (accessed via a browser or mobile app) at a monthly or annual fee. SaaS businesses are typically asset-lite, have high gross-margins, and are highly scalable. Examples of SaaS businesses include: Hubspot, Salesforce, Cloudflare, and Meta (Facebook). Most businesses that have a SaaS business model are a perfect fit for revenue based financing.\nA software startup, is a business that develops, sells and distributes different types of software. They often have a SaaS business model, but occasionally have hardware components too. Examples of well-known software companies include Apple, Tesla, Google, and Dropbox. Software startups are a great fit for revenue based financing.\nA stand-alone convertible note is intended for use by early-stage startups looking to raise seed capital from angel investors, friends, and family before receiving institutional funding from a venture capital firm. It contains all the terms of the agreement, including the borrowing mechanics, remedy in event of default, and valuation cap (if applicable).\nA startup advisor is a subject-matter expert who provides industry or subject matter guidance and mentoring. They are typically well connected to investors and other industry professionals, to whom they provide warm introductions.\nAdvisors are usually compensated for their efforts either monetarily or through equity grants—ranging from 0.05% up to 1%. The ideal time to bring on an advisor is when you’re hiring key staff, pursuing strategic partnerships or ramping your sales.\nAvoid bringing on an advisor who has:\n- No interest in your business or your mission\n- Minimal free time because they are overcommitted to other startups\n- A conflict of interest (i.e. advises a similar company in your industry)\nStartup capital refers to any cash injection in an early stage business—typically the initial pre-seed round of a business is funded by friends and family, an angel group or an angel syndicate. As the startup matures, and offers additional rounds of funding venture capital funds and private equity funds invest. If the startup generates recurring revenues, another non-dilutive option to raise capital is revenue based financing.\nAn incubator is an organization that provides mentorship, early funding, working space, and connections to help entrepreneurs grow their businesses and develop a minimum-viable product. Well-known incubators include Idealab, The Batchery, Upward, SteelBridge Laboratories, and Invenshure.\nStock purchase agreement (SPA) refers to a contract between two parties, where a buyer purchases shares (or equity) directly from a shareholder. The contract is considered binding only if it aligns with all federal, state, and local laws, outlines the benefits received by both parties, and if both parties have capacity to enter into the agreement.\nThe term “strategic investor” refers to an individual or group that offers more than just money to a startup, which can include: industry expertise, connections with other industry operators or investors, or support on marketing, sales, design…etc.. Typically startups should have one or two strategic investors each round to make sure they’re maximizing the value of their cap table.\nA word of caution—if you are going to take on a strategic investor, make sure they didn’t include any unique controls or rights in their term sheet outside of those granted to your other investors such as a Right of First Refusal.\nStrike price refers to the dollar amount that an individual or organization needs to pay to exercise their stock option, and is calculated based on the 409(a) valuation of the company. The strike price an employee pays is outlined in their stock option grant, which outlines the number of shares they are entitled to purchase, the vesting schedule, and the price they need to pay to purchase the shares (strike price). The strike price paid for a single option grant remains the same regardless of its exercise date, even if the company’s value increases significantly.\nSuccess fee refers to the compensation that is paid to an investment bank (ibank) for successfully closing a transaction, in a merger or acquisition it is calculated based on a company's enterprise value, and is contingent on the completion of the deal. Success fees align the interests of the company and the investment bank processing the transaction, and incentivize the ibank to get the best deal possible. They also typically have a simple fee structure that makes it easy to understand.\nSweat equity refers to the exchange of expertise, labor and time, for discounted equity in the business. Founders and early employees often earn sweat equity when bootstrapping their business, due to the lack of available financial resources.\nTarget rate of return refers to a dollar figure (profit) that an investor wants to see based on their investment in a company, adjusted for the time value of money (TVM). Investors work backward from their ideal return on investment to determine their target price for the investment.\nA tender offer is similar to a takeover bid, in that an individual or organization offers to purchase some or all of the outstanding shares of a company’s stock. The offer outlines a specific price (typically at a premium compared to the current strike price) and a specific time period—it is usually contingent on a minimum or a maximum number of shares being sold.\nA term loan is a form of debt that is repaid in regular payments over a set period of time. Term loans are typically the simplest form of loans available and are accompanied by either a variable interest rate or a fixed interest rate. There are three primary forms of term loans, short-term, intermediate-term and long-term loans—the longer the term, the higher the interest rate charged.\nIf you’re considering a term loan, revenue based financing may also be a good alternative.\nA term sheet is a nonbinding (sometimes binding) agreement that outlines the financial terms and conditions of an investment, acquisition or business agreement. It opens up future negotiations between two parties, lays out the financial terms of the investment, it plainly states how much the startup is “worth”, and outlines the various provisions or requirements that accompany the investment.\nBefore signing a term sheet, discuss it with your legal council so that you understand the outlined provisions and their potential implications. Some of the particular provisions to pay attention to include: pay-out provisions, liquidation preferences, option pools and board seat requirements.\nTerminal value refers to the value of an asset, business, or product beyond the forecasted period. It is useful when creating financial models, more specifically discounted cash flow valuations. The two most common forms of forecasting used to determine a businesses terminal value include: the perpetual growth model and the exit multiple model. It is possible to achieve negative terminal value if the cost of future capital exceeds the assumed growth rate, but is not sustainable.\nHere’s a helpful tool that visualizes the impact of your burn and growth rate on your terminal value, profitability, and break even point.\nA 409A valuation is an appraisal of the fair market value (FMV) of the common stock of a private company by an independent third party. Startups typically get their initial 409A valuation before they issue their first common stock options, and after raising a round of equity financing. They typically also request a 409A valuation upon receipt of an acquisition offer. Startups use the findings from a 409A valuation to inform the price at which employees can purchase shares of the company's common stock. A few of the more frequently used independent third parties for conducting a 409A valuation include: Kruz Consulting, Carta, and Shareworks.\n504 loans are a form of fixed rate financing that is offered by the Small Business Association (SBA). The maximum amount offered is $5 million, and is typically used for business growth and job creation. It cannot be used for working capital or to consolidate or refinance current debts. To qualify for a 504 loan, the organization must operate as a for-profit company in the USA, have a tangible net worth of less than $15 million and have an average net income of less than $5 million.\nFor more information on 504 loans, visit the SBA website.\n7(a) Loans are offered by the Small Business Association (SBA), and are the most commonly offered loans by the SBA. The maximum amount offered is $5 million, and it is typically used for short-and long-term working capital, to refinance current debt, and to purchase assets/supplies. To qualify for a 7(a) loan, the business must be considered a small business, must operate in the USA, prove they actually need the loan and operate as a for-profit business.\nFor more information on 7(a) loans, visit the SBA website.\nSimply put, an 83(b) election is a document that you send to the IRS that informs them of your intention to be taxed on the date your equity was granted rather than on the date the equity vests. Typically 83(b) elections are made by early employees or startup founders who have the ability to early exercise their options.\nTop-down forecasting, in contrast to “bottoms-up forecasting”, refers to the method of estimating future performance by starting with high-level market data, such as the TAM of a business, and working down to your estimated market share to determine projected revenues for the coming year.\nEarly stage startups typically use top-down forecasting when they don’t have any hard metrics (e.g. revenue, customer lifetime value, churn). As they mature, they transition from the top-down model to the bottoms-up model mentioned above.\nThe total addressable market (TAM) refers to the overall revenue opportunity for a company if 100% of the target audience purchased their product or service. It is useful for early-stage startups when forecasting future revenues using the top-down method and for prioritizing specific products, customer segments, and business opportunities. It becomes less useful as an organization matures and gathers hard data around its true market opportunity.\nTrajectory growth funding, like traditional growth funding, is provided to startups who have demonstrated significant growth over the trailing 3-6months. It is typically equity capital, but can also be non-dilutive debt capital. Funding amounts usually range from $100,000 - $5 million, but can be significantly more. In recent years, startups seeking trajectory growth capital have sought out providers of revenue based financing to fuel their growth.\nAn underwriter is an individual whose responsibility it is to assess, evaluate and build the risk profile of companies during the underwriting process.\nUnderwriting refers to the process of evaluating the risk profile of a company based on its fundamentals. The result is oftentimes an offer to provide funding to said organization under certain payback conditions. Startups typically undergo underwriting when they are raising debt capital.\nUnderwriting fees are charges provided by a financier to a company for underwriting their business—they can range anywhere from a few hundred, to a few thousand dollars.\nThe use of proceeds document outlines the plan in which a company intends to acquire and deploy new capital injections. Typically it is broken out by functional area/purpose, which is accompanied by a %: e.g. spend 20% of capital to increase headcount by XX, deploy 50% of capital to develop YY product, utilize 30% of capital to launch ZZ marketing campaign.\nThe valley of death, refers to the point in time in which an early stage company has begun operations, but has not yet generated revenue—resulting in the depletion of the initial equity capital received from investors. Surviving the death valley curve requires that the startup either:\n- Generates sufficient revenues to become self-sustainable\n- Raised significant capital, is growing rapidly and plans to raise more capital soon\n- Has access to more lines of credit or capital to fund their operations\nStartup valuation refers to the value of an early stage company taking into account market forces. In periods of economic expansion valuations are stretched, in periods of economic compression valuations are squeezed. Factors that can affect a company's valuation include their: traction, growth rate, revenue, leadership team, industry and competition. In 2022, late stage startup valuations are being slashed almost daily, e.g. instacart, Dbt Labs…etc.\nA valuation cap refers to the point in time at which an investor can convert their SAFE into equity in the business, and is based on either a valuation or price target. It “caps” the conversion price of the issued shares and ensures that early investors receive an immediate upside on their equity purchase.\nEarly stage startups leverage valuation caps to incentive their seed stage investors to take on additional risk. The lower the valuation cap, the larger the percentage of equity the investor will get.\nFor example, if the current price per share is $5 and the SAFE has a 50% discount, the investors would convert it into shares at $2.50 so that they recognize an increase in value of $2.50 on paper.\nValuation divergence refers to the difference between the growth rate of a company's valuation and the valuation of the shares that investors received. It can be due to a number of factors including: dilution by subsequent investors, and the exchange of a convertible note for equity. Valuation divergence is common in high growth companies and typically ranges from 3-5x.\nVariable interest, also known as “floating interest” is a type of interest on a loan that fluctuates over time, due to its nature of being based on an underlying benchmark interest rate or index. Loans with a variable rate are like a double edged sword—they benefit from lower payments when the underlying interest rate market is in decline, but when rates rise the monthly payments spike.\nFor early-stage companies, when funds are tight, fixed interest loans or revenue based financing options are much more appropriate, because they limit the risk of defaulting.\nVenture Capital (VC), not to be confused with Vulture Capital, is a form of private equity that seeks to fund the growth of early stage organizations. Venture capitalists typically also provide financial, legal, technical or managerial assistance, along with warm introductions to early customers and later stage investors when the company has demonstrated a high growth potential. VC funds typically consist of individual investors, investor groups, investment banks and other financial institutions.\nVenture debt is a form of debt financing provided to venture-backed companies to fund working capital or capital expenses, such as purchasing equipment. It typically needs to be repaid within three to four years, and often starts out with a 6-12-month interest-only period. Venture debt products typically also come with personal guarantees, covenants, warrants, and other restrictive terms designed to benefit the financier. Some of the most common venture debt providers include: Silicon Valley Bank, and Hercules Capital.\nFor a more in-depth look at venture debt, check out the comprehensive guide we put together.\nA vesting schedule outlines the fixed period in which employees vest their shares, or in other words unlock the right to purchase a portion of their equity. Most vesting schedules for an early-stage startup are four years, with a one year cliff, and monthly vesting after the cliff.\nIn this example, the employee “unlocks” 1/4th of their stock after one year, and 1/48 of their stock each month thereafter. If they leave after 1.5 years, they have unlocked the ability to purchase 9/24ths of their stock, and forfeit their unvested shares.\nIn recent times, Coinbase, Lyft and Stripe have reevaluated the traditional approach and have offered their employees a one-year vesting schedule. We expect this trend to continue.\nVeto rights give a company’s board of directors the right to refuse to approve a proposal, thus preventing its enactment. A few potential scenarios in which a veto might be leveraged include:\n- A proposal increase or decrease the amount of preferred or common stock\n- The creation of any new series or class of shares\n- The acquisition of another organization\n- The sale, dissolution, or liquidation of the company\nWhen negotiating term sheets it is imperative that you understand the rights that your potential investors expect—do not agree to terms that you do not understand or have not discussed with your council. The last thing you want is to have a buyer lined up for your company, or have an acquisition that you want to complete, and the board vetoes you.\nA voluntary conversion is the exchange of a convertible type of asset, such as a convertible note, into another type of asset—usually at a predetermined price—on or before a predetermined date. It is voluntary, because the holder of the convertible type of asset has the ability, but not obligation to, execute the exchange.\nVoting rights give board members the right to vote on topics discussed in board meetings, such as a funding round, the issuance of new stock, the initiation of mergers and acquisitions and more. Without voting rights, a board member has no say in the direction of the business or the residing management team.\nA vulture capitalist is a type of investor that invests in or purchases distressed companies for profit. They typically purchase companies that generate revenue, but are on the verge of bankruptcy due to mismanagement and overspending. Once acquired, they start cutting costs through layoffs, a reduction in benefits, and a sale of exorbitant assets. Occasionally they also split off divisions of the business to recoup their initial investment and minimize their risk.\nWarrants give the holder the right (but not the obligation) to purchase stock at a specified price within a specific period of time. They are often used by banks, providers of venture debt and venture capitalists to mitigate their risk and maximize their upside. There are three components of a warrant: the number of shares, the strike price and the expiry date. The terms of a warrant are negotiated based on the risk/return profile of the deal—most warrants translate to 1-2% of the company when executed, but some warrants have been converted to 20%+.\nWarrant coverage is an agreement between a company and an investor, where the company issues a warrant to the investor allowing them to acquire shares at a predetermined price. The holder of a warrant coverage has the right, but not obligation to, buy the additional shares of stock. Warrant coverage is typically issued in situations when a higher-than-normal level of risk is present.\nThere are many reasons why companies offer warrant coverage, the two most significant are to attract more investors and ensure the maximum participation by committed investors.\nWaterfall equity is the primary method used to distribute the equity gained from a group or pooled investment (e.g. angel group, angel syndicate, private equity…etc.) The distribution is aligned to the pecking order in which the largest investors, or limited and general partners are granted the largest portion. As a result, they also receive a disproportionately larger share of the total profits relative to their initial investment once an exit event occurs.\nWire transfers, like ACH payments, are a form of electronic transfers from one person or entity to another. They are typically used because they are quick and cheap, as the recipient can access the funds immediately (there are no bank holds).\nWorking capital is a dollar figure calculated by subtracting a company’s current liabilities, such as accounts payable and debts, from their current assets—such as cash, and accounts receivable. It is used to pay short-term debts, and day-to-day operating expenses.\nAn X-mark signature is used by an individual who is unable to append their full signature due to illiteracy, disability or another impediment. It is only considered legally valid, if it is witnessed.\nYield is the income returned on an investment by an investor or financier, it’s the same amount as the interest (or discount) paid on a loan. Yield is typically expressed as an annual percentage rate based on the loan's cost, current value, or face value. The higher the yield on an investment, the higher the interest (or discount) paid on an investment is.\nYield advantage equals the difference between the rates of return (yield) on two different securities issued by the same company, e.g. convertible notes vs common stock.\nThe yield basis is a dollar figure calculated by dividing the principal paid annually. It is quoted as a yield percentage, rather than as a dollar value. It allows bonds (or loans) with varying characteristics to be easily compared.\nThe yield curve is a chart that depicts how the yields on debt instruments vary as a function of their payback term to maturity. It is used to compare the interest rates (yield) of debt instruments that have equal credit quality but differing maturity dates. There are three main types: normal (upward sloping curve), inverted (downward sloping curve), and flat.\nThe yield spread represents the difference between the yields on differing debt instruments of varying maturities, credit ratings, and risk levels. It is calculated by deducting the yield of one instrument from another and is typically expressed in basis points (bps).\nA Z-tranche is the lowest ranked portion of a split-investment that is paid off only when all the other senior tranches (aka installments) have been satisfied. A z-tranche comes with pre negotiated payment terms and enables investors to get equity in a company at the lower pre-money valuation when they made their initial investment. It also enables investors to gain more equity in the business because their staggered tranches are not self-diluting.\nA zero balance account (ZBA) is an account in which a balance of $0 is maintained. It is intentionally kept at $0 to maintain greater control over the disbursement of funds and to minimize the risk of fraud. When funds are needed, money is transferred from a central account. ZBAs are typically used to cover payroll, petty cash and other similar needs.\nZero-based budgeting (ZBB) is a budgeting approach that entails developing a new budget from scratch every period. It ensures that managers think through every dollar they plan to spend, their operating expenses and the areas in which the company is generating revenue. Walgreens, Philip Morris, Unilever, and many others take a zero-based budgeting approach.\nA zombie bank is a financial institution that continues to operate despite its liabilities exceeding its assets, its inability to service its loans. It continues its operations through governmental support.\nZombie companies, also known as zombie firms, are organizations that continue operating despite its liabilities exceeding its assets, its inability to service its loans, or its ability to repay the interest on its debts but not the principal. Zombie firms are not common in the US, but they are present—mostly in the manufacturing and retail sectors. They typically rise in periods of economic compression, and fall during periods of economic expansion, and take bailouts in order to continue their operations.\nZombie companies, also known as zombie firms, are organizations that continue operating despite its liabilities exceeding its assets, its inability to service its loans, or its ability to repay the interest on its debts but not the principal. Zombie firms are not common in the US, but they are present—mostly in the manufacturing and retail sectors. They typically rise in periods of economic compression, and fall during periods of economic expansion, and take bailouts in order to continue their operations.", "domain": "economics"}
+{"url": "https://angel-box.net/how-much-do-boxers-make-per-fight-is-that-their-main-income", "date": "2023-10-04T12:53:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511369.62/warc/CC-MAIN-20231004120203-20231004150203-00105.warc.gz", "language_score": 0.9726106524467468, "token_count": 681, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__7057222", "lang": "en", "text": "Before we delve into the specifics of how much boxers make per fight, it's critical to first understand the business behind boxing. Unlike many other professional sports, boxing doesn't have a centralized governing body or a standardized payment structure. This makes the earning potential for boxers quite variable. Factors such as the weight class, the significance of the fight, and the boxers' popularity all contribute to the purse size.\nThe earning range for professional boxers is quite broad. On the lower end, a boxer might make a few hundred dollars per fight. However, for top-tier boxers, the earnings can go into the millions. This disparity is primarily due to the aforementioned factors, including the boxer's reputation, fan base, and the significance of the match.\nWhen we talk about a boxer's earnings, we often refer to the \"purse,\" which is essentially the prize money that's up for grabs in a boxing match. The purse is typically split between the two fighters, although the split isn't always even. A well-known boxer with a large following might command a larger share of the purse.\nFor high-profile fights, pay-per-view (PPV) sales can significantly add to a boxer's earnings. Essentially, the more people who are willing to pay to watch the fight, the larger the purse becomes. In some cases, a portion of the PPV revenue might be directly added to the purse, increasing the boxers' potential earnings.\nIn addition to their fight earnings, many boxers also generate income through endorsements and sponsorships. These deals can be quite lucrative, particularly for well-known boxers with a significant fan base. Companies are willing to pay substantial sums to have their brand associated with a popular fighter.\nBoxers can also earn money through appearance fees and licensing deals. Appearance fees are essentially payments made to boxers for showing up at events, such as press conferences, promotional events, and public appearances. Licensing deals, on the other hand, involve the use of a boxer's name, likeness, or brand for commercial purposes.\nBoxing promoters play a significant role in determining a boxer's earnings. Promoters are responsible for organizing and promoting fights, and they often negotiate the purse split between the fighters. A skilled promoter can significantly increase a boxer's earning potential.\nWhile the potential earnings for boxers can be quite high, it's also important to consider the expenses associated with a professional boxing career. These can include training costs, equipment, medical expenses, and the fees paid to trainers, managers, and promoters. These expenses can take a significant chunk out of a boxer's earnings.\nFor most professional boxers, boxing is indeed their main source of income. However, as we've discussed, there are also many other potential revenue streams, including endorsements, sponsorships, appearance fees, and licensing deals. The importance of these additional revenue streams should not be underestimated, particularly for top-tier boxers.\nWhile the earning potential for professional boxers can be quite high, the reality is that only a small percentage of boxers will ever reach the top tiers of the sport. For the majority of professional boxers, the earnings from boxing may not be sufficient to provide a comfortable living. However, with the right combination of skill, popularity, and business savvy, boxing can indeed be a lucrative career.", "domain": "economics"}
+{"url": "https://www.hoosierarmory.com/pages/price-match", "date": "2024-04-16T01:00:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817036.4/warc/CC-MAIN-20240416000407-20240416030407-00812.warc.gz", "language_score": 0.8949615955352783, "token_count": 395, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__34150177", "lang": "en", "text": "We will do our best to match any competitor's pre-tax price on any new, identical, immediately available product. Price matching is at our discretion, and we offer no guarantee that every price will be matched.\nPrice match must be requested before an order is placed. We WILL NOT match a price or refund a transaction amount once your order is placed. We will only match a price on publicly advertised IN STOCK items.\n- We must be able to verify the price and availability of the item.\n- Out of Stock items will not be matched.\n- Item must be identical to the items advertised (Brand, Color, Size, Mfg#, UPC#)\n- Competitor's shipping charges will be calculated and factored into the advertised price.\n- Competitor's extra fees associated with a transaction (credit card fees, handling fees, transfer fees, etc) will be calculated and factored into the advertised price as well.\n- Price matching is at our discretion with no guarantee that we will match every price.\n- Coupons may not be used in conjunction with an approved price-match.\n- Please note that a competitors listed price on out of stock items may be outdated and inaccurate.\n- Please do not place an order unless you are willing to pay and agree to the listed price at the time of purchase.To Request a Price Match Please use our Contact Us page to submit a request before your purchase.\n- The Hoosier Armory Item Number\n- The Manufacturer Number\n- The Company Name to match price with\n- The Advertised Price\n- The URL of the advertised listing\n- Price matching can also be requested by email to : firstname.lastname@example.org with all the above info included.\nThank you for giving Hoosier Armory the chance to earn your business. We ARE your firearms Advocate!", "domain": "economics"}
+{"url": "http://www.oxfordpv.com/News/20161206-Oxford-PV-attracts-a-further-%C2%A381m-funding-and-three-key-strategic-investors", "date": "2017-04-29T23:15:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917123632.58/warc/CC-MAIN-20170423031203-00604-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9483885765075684, "token_count": 875, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__231853184", "lang": "en", "text": "Oxford PV attracts a further £8.1m funding and three key strategic investors\nSolar innovator completes second close of Series C funding round\nOxford, UK, 6 December 2016 – Oxford Photovoltaics Ltd (Oxford PV), the pioneering solar technology company, has today announced a further equity investment of £8.1m, adding to the £8.7m first close investment announced on 18 th October 2016.\nImportantly, the bulk of this investment has come from three new strategic investors who see the potential of the Company’s technology to revolutionise the global solar market and help create a new, low-carbon future.\nThe three large, strategic investors are Statoil ASA, Legal & General Capital and a technology-focused, innovative family fund investor. Each of these investors will add strength and opportunity to the technology and its’ route to market.\nThe company recently (10 th November 2016) announced the acquisition of a pilot line site in Germany and, on 1 st December 2016, announced a Joint Development Agreement with a major solar panel manufacturer to scale the technology towards commercialisation. This additional funding will help accelerate these development activities as well as supporting the next generation product research in the UK.\nFrank Averdung, CEO of Oxford PV said, “the company has made tremendous progress over the last year and this has been recognised by being able to attract investors of such high calibre and scale. We are delighted to be working with each of them and together we will bring our perovskite technology to market as quickly as possible. In conjunction with our industry Joint Development partner, our perovskite technology now has a clear path and timetable to commercialisation and the formidable support of global market leaders to enable that to happen.”\nJohn Bromley, Head of Clean Energy Strategy, Legal & General Capital said, “Legal & General Capital is delighted to confirm its investment in OPV. We are fully engaged with the global transition to a low carbon energy system and we want to partner with the leading brainpower-backed British enterprises that will deliver the transformative change needed to provide reliable, low cost clean energy on a global scale. We have taken the time to get to know Oxford PV, and are impressed by the technology, the scientists and engineers, and anexperienced, disciplined management team who we look forward to supporting at this exciting stage of their venture”.\nGareth Burns, managing director of Statoil Energy Ventures said, “Statoil has been an innovator in the energy sector for many decades, from deep sea oil recovery to offshore wind project development. Statoil is supplementing its’ oil and gas portfolio with profitable renewable energy, and in addition to our significant portfolio within offshore wind, we are exploring opportunities within new growth areas, such as solar. The investment in Oxford PV is our first investment within solar technology, and we see it as a great opportunity to be part of a technology development that has the potential to impact the next generation of solar cells.”\nNotes to editors\nOxford Photovoltaics Ltd (Oxford PV) is a pioneering solar technology company that was founded in 2010 as a spin-off from the University of Oxford by Professor Henry Snaith. Today, the company’s team of 37 people, including chemists and advanced materials scientists are on a fast-track to commercialising a new perovskite-based technology. Last year, Professor Snaith was honoured by Thomson Reuters as the second most influential scientific mind in the world. The company believes that this technology will enable cell manufacturers in the $100bn solar power industry to boost the performance of their solar cells by around 30 per cent and facilitate new multi-billion dollar markets for the generation of solar power.\nPerovskite is the fastest improving solar cell technology ever seen and Oxford PV is leading the global development and commercialisation of this exciting new material.\nAbout Statoil Energy Ventures\nStatoil Energy Ventures was established as part of Statoil’s new business area New Energy Solutions, reflecting the company’s aspirations to gradually complement its oil and gas portfolio with profitable renewable energy and low-carbon solutions. The fund will invest up to USD 200 million over a period of four to seven years.", "domain": "economics"}
+{"url": "https://fulton-law.com/category/settlement-planning/", "date": "2023-10-02T04:46:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510967.73/warc/CC-MAIN-20231002033129-20231002063129-00778.warc.gz", "language_score": 0.9673307538032532, "token_count": 157, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__16826013", "lang": "en", "text": "Social Security and Supplemental Security Income (SSI) beneficiaries will receive a 2.8% cost of living increase (COLA) for 2019. SSI federal monthly payments will become $771 (up from $750) for an individual and $1157 (up from $1125) for a couple.\nMargaret H. Fulton and Ashley Clower were pleased to attend CCTLA’s Spring Reception on July 14, 2018. Over 200 people, including attorneys, professionals, and family members attended this wonderful event.\nRobinson and Fulton Law were sponsors at the Reception, which benefitted Sacramento Food Bank and Family Services. Over $113,000.00 was raised for this amazing cause. It was an honor to be a part of this event.", "domain": "economics"}
+{"url": "https://blacktrusteealliance.org/job/chief-financial-officer-2/", "date": "2024-04-17T04:45:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817144.49/warc/CC-MAIN-20240417044411-20240417074411-00391.warc.gz", "language_score": 0.9223827123641968, "token_count": 1536, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__88272817", "lang": "en", "text": "Reporting to the Deputy Director, the Chief Financial Officer (CFO) serves as a key member of the management team at the Whitney Museum of American Art. The CFO is responsible for planning and oversight of the Museum’s financial activities, including an annual operating budget of approximately $70 million. Working closely with the Museum’s leadership team, colleagues across the Museum, and with the Finance, Audit and Investment Committees of the Board of Trustees, the CFO will have responsibility for organizing short- and long-term financial planning activities, performance analyses, risk management, financial reporting, and cash/ liquidity management.\nThe CFO oversees all Finance, Treasury and Accounting functions including, but not limited to, operating & capital budgets, annual audit, financial reporting systems, insurance and tax related information. In addition, the CFO has oversight of the Museum’s investment portfolio under the direction of the Investment Committee of the Board. Above all, the CFO will be a proactive strategic partner with the Museum’s leadership team in enabling the Whitney’s institutional priorities through proactive & rigorous financial planning.\n- Direct, supervise, and improve the Museum’s financial and budget planning processes to sustainably fund programs and operations, deliver on high-priority capital projects, and increase efficiency\n- Monitor financial performance across the Museum through clear and consistent metrics and measures of success. Advise on opportunities for revenue enhancement, cost efficiencies, process improvements and related policy changes\n- Drive long-range financial planning initiatives across the Museum to enable diversified revenue growth and a positive operating bottom line\n- Working closely with the General Counsel, design and oversee museum-wide financial risk management policies and procedures\n- Provide periodic updates on the Museum’s financial performance to staff with a view to reinforcing connections between departmental/ project budgets and the Whitney’s mission and strategic priorities\n- Provide periodic updates and financial reporting to the Finance Committee of the Board of Trustees including operating results, emerging financial opportunities, risks, trends and key performance metrics\n- Engage the Board’s Finance Committee in review and approval of short- and long-term financial goals and related strategies\n- Working with senior management, continuously develop and recommend course-corrective actions to address emerging financial risks\n- Provide financial leadership and support in the execution of the Museum’s strategic plan.\n- Manage the Whitney’s ongoing debt program with strategic guidance from the Museum’s leadership team and Board of Trustees. Working with external advisors and the internal finance team, oversee the negotiation, execution, and management of tax-exempt bond financings and credit facilities, including ongoing compliance with legal and reporting requirements\n- Enable data-driven decision making across all Whitney functions; help clarify links between departmental operations and the financial results of the organization\n- Partner with department leadership teams in developing performance targets, monitoring performance, and creating remediation plans\n- Act as a fiduciary on the Retirement Plan Investment Committee\n- Oversee the Museum’s Controller in coordinating the annual audit of the Museum’s financial statements and tax filings including the annual IRS Form 990\n- Strengthen the capabilities of the Finance organization, through a combination of people development, retention and recruiting efforts\n- Bachelor’s degree in Finance, Accounting, Economics or other quantitative or business-related discipline required; MBA/CPA preferred\n- Minimum ten years of progressive experience in a senior level financial management role\n- Experience at a cultural institution or other mission-driven non-profit organization preferred\n- Excellent analytical, verbal and written communication, and presentation skills required\n- Strong communicator with ability to make financial information accessible and comprehensible to stakeholders from a variety of backgrounds. Must be able to connect finance to the Museum’s mission and values.\n- Strong executive presence and demonstrated ability to develop positive executive relationships. Experience working with governing boards and committees is helpful but not required\n- Excellent planning, financial management, and organizational skills\n- Strong work ethic along with effective leadership, management, team building, and supervisory skills; accustomed to working in a team-based/collaborative environment\n- Able to operate with transparency and with the highest degree of ethics at all times\n- Operationally oriented, with the ability to bring practical insights and solutions to critical financial decisions and initiatives across the Museum\n- Able to manage and develop financial talent within the organization\nCompensation & Benefits\n- Salary range is $250,000 - $300,000 and will be commensurate with experience\n- Medical, Dental, Vision, 403(B) elections\n- Generous Paid Time off benefits\n- Commuter benefits - parking and mass transit\n- Admission to world-renowned museums across the city and nationally\n- Pet insurance and discounted membership for Citibike\nThe advertised pay scale reflects the good faith minimum and maximum salary range for this role. The advertised pay scale is not a promise of a particular wage for any specific employee. The specific compensation offered to a candidate may be dependent on a variety of factors including, but not limited to, the candidate’s experience, education, special licensing or qualifications, and other factors.\nNot sure you meet 100% of our qualifications? Research shows that men apply for jobs when they meet an average of 60% of the criteria. Yet, women and other people who are systematically marginalized tend to only apply if they meet every requirement. If you believe that you could excel in this role, we encourage you to apply. We are dedicated to considering a broad array of candidates, including those with diverse workplace experiences and backgrounds. Whether you’re new to arts and culture administration, returning to work after a gap in employment, simply looking to transition, or take the next step in your career path, we will be glad to have you on our radar. Please use your cover letter to tell us about your interest in the arts and culture space and what you hope to bring to this role.\nAbout the Whitney:\nThe Whitney Museum of American Art, founded in 1930 by the artist and philanthropist Gertrude Vanderbilt Whitney, houses the foremost collection of American art from the twentieth and twenty-first centuries. From her vision arose the Whitney Museum of American Art, which has been championing the most innovative art of the United States for 86 years. The core of the Whitney’s mission is to collect, preserve, interpret, and exhibit American art of our time and serve a wide variety of audiences in celebration of the complexity and diversity of art and culture in the United States. Through this mission and a steadfast commitment to artists themselves, the Whitney has long been a powerful force in support of modern and contemporary art and continues to help define what is innovative and influential in American art today.\nThe Whitney Museum of American Art is an Equal Opportunity Employer. The Museum does not discriminate because of age, sex, religion, race, color, creed, national origin, alienage or citizenship, disability, marital status, partnership status, veteran status, gender (including gender identity), sexual orientation, or any other factor prohibited by law. The Museum hires and promotes individuals solely on the basis of their qualifications for the job to be filled. The Museum encourages all qualified candidates to apply for vacant positions at all levels. This description shall not be construed as a contract of any sort for a specific period of employment.\nPlease apply through the Whitney Museum of American Art's careers page.", "domain": "economics"}
+{"url": "https://khudabukshlegacy.com/what-does-liquidity-refer-to-in-a-life-insurance-policy/", "date": "2024-04-16T20:23:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817106.73/warc/CC-MAIN-20240416191221-20240416221221-00553.warc.gz", "language_score": 0.924608051776886, "token_count": 2749, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__31160389", "lang": "en", "text": "Life insurance policies come in many forms, each with its own unique features, benefits, and drawbacks. One aspect that varies greatly between policies is liquidity – that is, how easy or difficult it is to access the policy’s cash value while the insured is still living. In this blog post, we will explore what does liquidity refer to in a life insurance policy, the difference in liquidity between permanent and term life insurance, and the pros and cons of policies with high and low liquidity. Read on for a comprehensive overview of what does liquidity refer to in a life insurance policy?\nPermanent vs Term Life Insurance\nTo understand liquidity as it relates to life insurance, we must first distinguish between permanent life insurance and term life insurance.\nTerm Life Insurance\nTerm life insurance provides coverage for a specified period of time, such as 10, 20, or 30 years. It pays out a death benefit to your beneficiaries if you pass away during the coverage term. Term policies do not build cash value – the money you pay in premiums is only buying you a death benefit. If you outlive the term length, the coverage expires unless you choose to renew it. Most term policies have very low liquidity – you cannot access any funds from the policy while alive, as there is no accumulating cash value.\nPermanent Life Insurance\nSo, what does liquidity refer to in a life insurance policy?\nPermanent life insurance provides lifelong coverage as long as you continue to pay the premiums. Unlike term, permanent policies have an investment or savings component in addition to the death benefit. The money you pay into premiums above and beyond the cost of life insurance is invested by the insurer into conservative assets like bonds and mortgages. This generates cash value within the policy that grows over time on a tax-advantaged basis. As the cash value grows, you have the option to borrow against some of these funds or withdraw accumulated dividends. This means permanent policies generally have higher liquidity than term insurance. Types of permanent life insurance include whole life, universal life, variable life, and variable universal life. We’ll explore the liquidity profiles of some common permanent life policies next.\nLiquidity in Different Types of Permanent Life Insurance\nWhat does liquidity refer to in a life insurance policy? And what are the different types of life insurance?\nWhole Life Insurance\nWhole life is the most traditional type of permanent life insurance. Premiums and death benefits are fixed and guaranteed, policies accumulate cash value at a steady, agreed-upon interest rate, and coverage lasts for life. The cash value in a whole-life policy grows very predictably over many decades. Loans can typically be taken against a portion (e.g., 75-90%) of the cash surrender value, allowing policyholders to tap funds from the policy. However, withdrawals in excess of policy premiums generally cannot be made until later years once substantial cash value has accumulated. For this reason, whole-life policies have moderately high liquidity that increases over the duration of the policy.\nUniversal Life Insurance\nSo, what does liquidity refer to in a life insurance policy, especially in universal life insurance?\nUniversal life insurance offers more flexibility than whole life in terms of premium payments and death benefit amounts. Policyholders can pay the premiums needed to keep the policy active, adding more funds whenever they choose to increase the death benefit or cash value. Excess premiums get credited to the cash account, where they earn interest based on current market rates. Policyholders can also access the cash account via loans or withdrawals so long as sufficient funds remain to cover insurance costs and keep the policy active. For these reasons, universal life insurance offers very high liquidity that allows access to accumulated cash at any time.\nVariable Life Insurance\nVariable life insurance links cash value growth to equity market performance. Rather than earning steady guaranteed interest, excess premiums get invested into investment subaccounts chosen by the policyholder. These funds can include stocks, bonds, money market instruments, or certain alternatives. Cash value will fluctuate up and down over time with the performance of the underlying investments. Most variable life policies allow policyholders to take out loans against their cash value at any time. Withdrawals may be restricted until the cash value reaches a certain threshold. Overall liquidity depends on investment performance but is generally high.\nThe Pros and Cons of High and Low Policy Liquidity\nThe ability to access a policy’s accumulated cash via loans or withdrawals certainly adds an element of liquidity.\nSome of the key benefits include:\n- Funds can be used to help supplement retirement income or cover unexpected expenses without needing to lapse or surrender the policy\n- The policy remains in force, so beneficiaries still receive a death benefit when the insured passes away\n- Cash value continues growing on a tax-advantaged basis, which can be accessed in the future if needed\n- Taking a loan rather than withdrawing funds allows cash value to keep earning interest\nHowever, high liquidity also comes with some potential drawbacks:\n- Loans accrue interest charges, which reduce overall cash value if not repaid\n- Frequent or high amounts of withdrawals can threaten the policy if the remaining funds cannot cover insurance costs\n- Less cash value remaining means lower death benefits paid out to beneficiaries\nOn the other hand, low liquidity life insurance policies like term insurance have pros and cons as well:\n- All premium dollars buy death benefit coverage rather than building cash value\n- Can allow higher death benefits with a lower premium outlay\n- Term policies typically expire when cash starts accumulating, so there is no need to worry about liquidity\n- No ability to access any funds from the policy while the insured is alive\n- Higher risk that insurance coverage will lapse if premiums become unaffordable\n- No cash value will be paid to the policyholder if term coverage expires\nSo, what does liquidity refer to in a life insurance policy? As you can see, liquidity involves some tradeoffs with other policy features. Striking the optimal balance depends greatly on each person’s financial situation and needs.\nWho Might Value Higher or Lower Liquidity?\nUnderstanding how liquidity aligns with policyholder objectives can help guide the type of life insurance to choose.\nThose Who May Value High Liquidity:\n- Retirees seeking supplemental income from the policy cash value\n- Business owners funding buy-sell agreements tax-efficiently\n- Households needing access to funds in case of income disruption\n- Families wanting to earmark cash value for future education costs\n- Individuals using life insurance for retirement planning\nThose Who May Value Low Liquidity:\n- Young households on tight budgets need maximum death benefit\n- Singles with limited savings needing final expense coverage\n- Families with sufficient emergency funds\n- Earners max out retirement accounts yearly\n- Seniors no longer need life coverage\nWhat does liquidity refer to in a life insurance policy, and how do you find the right balance? Finding the right balance comes down to honestly assessing potential needs for income during life, along with the ability to keep up with premium payments. An experienced insurance agent can help match policies to priorities.\nUsing Life Insurance to Fund Buy-Sell Agreements\nWhat does liquidity refer to in a life insurance policy, and how to use life insurance to fund buy-sell agreements?\nBuy-sell agreements are crucial tools for business partners and shareholders to legally establish inheritance plans and business continuation in the event of a part-owner’s death. Funding those agreements with permanent life insurance allows business owners to access cash value and guaranteed payout during life transitions.\nOf the policy types, whole life insurance provides the most cash accumulation for buy-sell funding. Compared to cheaper terms, permanent policies provide reliable cash values guaranteed by the life insurer while also paying out a tax-free death benefit to the remaining business owners. Annual premium amounts should be structured to adequately achieve both objectives. Dedicated financial advisors can recommend specific policies and designs based on the shareholders’ buyout agreements.\nThe written buy-sell agreement should remain separate from insurance trusts and require the business itself to purchase a deceased owner’s shares. This way, cash values, and death benefits avoid becoming personal assets on tax returns or probate filings. Upon an owner’s passing, policy proceeds fund the mandatory share purchase, and operations continue uninterrupted via the succession plan outlined in the buy-sell pact. The life insurance policy is used for its intended purpose.\nSound buy-sell arrangements lock in insurability when all owners are young and healthy. This keeps costs low over decades and ensures adequate coverage through retirement. Policies can remain in force to advanced ages or get amended if partners change. Either way, permanent life insurance funding offers reliable liquidity amid ownership transitions while allowing cash value accumulation when not immediately needed.\nManaging Life Insurance Policies Across Different Life Stages\nYou may wonder, what does liquidity refer to in a life insurance policy, especially when it comes to managing life insurance policies?\nThe cash value and living benefits within permanent life insurance make it an ultra-long-term asset. Optimal usage often changes across life stages as financial situations evolve over decades.\nIn earlier working years, policyholders focus on accelerating cash value accumulation through dedicated premium funding above mortality costs. This builds a strong base for later withdrawals. Upon entering peak earning years, aim for maximized death benefits to secure family protection, fund estate taxes, and satisfy business buy-sell needs.\nOnce costs like mortgages and college tuition subside and retirement nears, shift towards optimizing policies for supplemental income. This may involve exchanging to types offering better withdrawal provisions, annuitization riders, or loans against high cash values. Such adjustments align payouts with post-career income gaps rather than legacy planning.\nLater in retirement, insured individuals holding overly large death benefits can reduce face amounts to achieve partial windfalls that are re-deployable for enjoyment purposes. Policies no longer needed for family protection or business continuity may convert to pure legacy-building assets giftable to heirs.\nLife insurance can remain relevant across every chapter of life when appropriately structured for each era’s priorities. Assessing liquidity requirements as part of strategic reviews helps policyholders modify plans over time and maximize short and long-run value from these powerful financial instruments.\nManaging Policy Loans to Minimize Interest Charges\nPolicyholders seeking income from permanent life insurance cash values often turn to loans as a preferable means of accessing funds without tax consequences or surrender charges. However, loans accrue interest annually, so balances can shrink cash value growth if left unpaid. Strategic repayment tactics can minimize interest costs.\nThe most cost-effective approach involves deliberately planning loans in alignment with other income events. For example, retirees could withdraw funds to cover expenses in years when IRA-required minimum distributions to create excess taxable income. Loans get repaid automatically when policy owners receive their next RMD payout.\nAlternatively, loans taken early in retirement can wait for repayment until annuity payments or pension benefits commence later on. The key is sequencing loan utilization with the upcoming receipt of other retirement cash flows for convenience.\nRetirees should also compare current policy loan interest rates with rates earned on other assets like bonds or CDs. If policy interest exceeds portfolio yields, focus on repaying loans quickly to maximize net returns across holdings. An integrated strategy optimizes overall results.\nMaintaining strong communication channels with life insurers aids in timely loan management. Seek rate alerts on policy interest owed and repayment reminders as the due dates approach. Mobilizing payments out of a dedicated cash account avoids forgetting and compounding interest. Actively monitoring obligations keeps policies working at peak efficiency.\nEvaluating Riders and Policy Charges Impacting Net Liquidity\nHere comes the question: What does liquidity refer to in a life insurance policy, and how does evaluating riders and policy charges impact net liquidity?\nPolicy riders that customize coverage along with fees deducted from premiums shape how much liquidity remains for income purposes. Carefully determining tradeoffs boosts net cash value accumulation.\nCommon riders like waiver of premium for disability or terminal illness help continue death benefits and cash value intact if health fails. However, the additional charges siphon some cash potential in non-claim years. Weigh the value of each rider against ongoing costs.\nCompare expense loads across providers using universal life insurance illustrations outlining estimated future cash values minus projected fees over decades. High fees drain liquidity that is transfusable to income over time.\nAlso, scrutinize margins between a policy’s credited interest or investment returns versus loan interest charged. Look for minimal spreads indicating fair rates and maximum earnings retained inside the policy. Narrower margins compound gains faster for income utilization down the road.\nRunning break-even calculators help decide if certain riders warrant their expenses based on health risk factors and financial loss tolerance. Likewise, projecting accumulated differences in high-fee versus low-fee policies aids provider selection. Inspecting these liquidity impacts optimizes the structure.\nThe Bottom Line\nWhat does liquidity refer to in a life insurance policy? Understanding liquidity as it relates to life insurance is important when choosing a policy that aligns with your financial objectives. Term life insurance offers pure death benefit protection, while permanent policies allow policyholders to access cash value through loans and withdrawals. Ultimately, whether high liquidity or low premium cost takes priority depends greatly on each person’s unique financial situation and coverage needs. An agent can help you weigh these tradeoffs. Through the wise choice of policy type and features, life insurance can remain in force to protect your loved ones while also supporting income needs during your lifetime if structured accordingly.", "domain": "economics"}
+{"url": "https://knoxandjamie.com/green-light/shoe-dog/", "date": "2024-04-21T12:08:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817765.59/warc/CC-MAIN-20240421101951-20240421131951-00349.warc.gz", "language_score": 0.9727404117584229, "token_count": 317, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__113383330", "lang": "en", "text": "The biography of the bombastic Nike icon, Phil Knight.\nIn 1962, fresh out of business school, Phil Knight borrowed fifty dollars from his father and created a company with a simple mission: import high-quality, low-cost athletic shoes from Japan. Selling the shoes from the trunk of his lime-green Plymouth Valiant, Knight grossed $8,000 his first year. Today, Nike's annual sales top $30 billion. In an age of start-ups, Nike is the ne plus ultra of all start-ups, and the swoosh has become a revolutionary, globe-spanning icon, one of the most ubiquitous and recognizable symbols in the world today.\nBut Knight, the man behind the swoosh, has always remained a mystery. Now, for the first time, in a memoir that is candid, humble, gutsy, and wry, he tells his story, beginning with his crossroads moment. At 24, after backpacking around the world, he decided to take the unconventional path to start his own business - a business that would be dynamic, different.\nKnight details the many risks and daunting setbacks that stood between him and his dream - along with his early triumphs. Above all, he recalls the formative relationships with his first partners and employees, a ragtag group of misfits and seekers who became a tight-knit band of brothers. Together, harnessing the transcendent power of a shared mission and a deep belief in the spirit of sport, they built a brand that changed everything.", "domain": "economics"}
+{"url": "https://blogdotknowingerdotcom.wordpress.com/2013/10/16/how-to-set-your-tutoring-teaching-rate-part-6/", "date": "2018-07-22T01:06:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676592875.98/warc/CC-MAIN-20180722002753-20180722022753-00604.warc.gz", "language_score": 0.9581836462020874, "token_count": 883, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__248472097", "lang": "en", "text": "The pricing decision is a crucial one when starting your tutoring or private teaching business. I highly recommend doing a bit of market research as there is an enormous range in the prices in this market. You need to find the RIGHT rate for YOUR services; you don’t want to sell yourself short, but you still need enough students to pay your bills.\nHow do you determine the right lessons fee for your teaching business?\n1. Do Your Own Research\nStart with looking around to see what other teachers or tutors charge for their classes. Call teachers offering similar classes and ask for their rates. There are a lot of online forums out there where you can ask other teachers about their fees. Another option is to check Craiglist or Gumtree to see what what is the average rate in your area.\nTIP: Do not charge less than your competition! Why? First, it sends a signal that you are an amateur without experience. There are people out there who are willing to pay a premium for a reputable teacher. Second, it is always easier to lower your price if you’re not able to attract students at that rate.\n2. Consider Your Location\nYour location is one of the most important aspects to determine your tutoring rate. In general, prices are higher in big urban areas than in rural regions. You should also take into account your local economy. What does a term of music lessons or dance classes cost? This should give you a rough idea of how much are people willing to pay for extracurricular activities in your area.\n3. Evaluate Your Experience\nDo you have more or less experience than other tutors who offer comparable classes? Do you have special skills that are currently in high demand? Have you received any awards for your work or do you have extensive performance experience? Naturally, the more experience you have, the more you can charge for your lessons. Have a good think about what sets you apart and what you can offer to your students.\n4. Consider Your Educational Background\nWhat is your highest degree of education? Someone with a PhD can usually charge a lot more than someone with a BA. Do you have a pedagogical background or did you do some kind of a teacher training? Do you have the necessary qualifications to work with children in your country?\nAs a rule of thumb, any credentials you can show to your prospective students can help. Some parents might place quite a lot of importance on degrees and prefer to pay more for a well educated and experienced tutor or private teacher.\n5. Define Your Target Market\nAre you targeting higher income individuals or poorer families? Why do your students attend your classes? Do they need a certificate at the end of the course? Another important factor is the size of the group – Are you offering individual, small group or large group classes?\n6. Think About the Nature of Your Subject\nSome disciplines require a significant time for preparation while others are not as time-consuming. Do you need to spend a lot of time studying and improving your skills yourself? Are the study materials expensive? Does your subject require a special qualification which is hard to obtain? If you are teaching common subjects such as English or Maths, you normally cannot charge as much for your classes as someone offering specialized IT training.\n7. Factor the Distance you Have to Travel\nIf you offer private lessons at your students’ home, you are likely to spend many hours travelling. Don’t forget to factor this time to your rates as you would otherwise sell yourself short and end up being frustrated with how much you get paid per hour. On the other hand, if you teach at a particular location, this factor is probably irrelevant for you as you have one base for all your classes.\nAt the end of the day, the amount you can charge for your services depend on the students’ willingness to pay. It’s all about supply and demand and you need to find your sweet spot. Charge everyone exactly the same fee. You don’t want people to find out that someone else is paying less for your classes.\nDo you have any other tips on how to determine a lessons fee? I’d love to hear your thoughts, so please share your comments below.\nDid you like our post? Keep in touch for more updates and great links:", "domain": "economics"}
+{"url": "https://www.giantit.net/post/top-reasons-small-businesses-hire-or-switch-managed-service-providers-msps", "date": "2023-12-06T08:07:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100583.31/warc/CC-MAIN-20231206063543-20231206093543-00691.warc.gz", "language_score": 0.9422342777252197, "token_count": 551, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__153527544", "lang": "en", "text": "Top Reasons Small Businesses Hire or Switch Managed Service Providers (MSPs)\nSmall businesses may decide to hire a Managed Service Provider (MSP) or switch to a different MSP for various reasons. Some of the most common factors include:\nCost savings: Hiring an MSP can be more cost-effective than maintaining an in-house IT team, as it allows small businesses to access a wide range of IT expertise without the expense of hiring full-time staff. Additionally, MSPs often provide predictable pricing models, which help small businesses budget their IT expenses more effectively.\nAccess to expertise: MSPs have a team of skilled IT professionals with expertise in different areas, such as network management, cybersecurity, data backup, and cloud services. Small businesses can benefit from this expertise to keep their IT infrastructure up-to-date, secure, and running efficiently.\nScalability: As a small business grows, its IT needs may change. MSPs can scale their services to accommodate a company's growth, providing additional resources and support when needed, without requiring the business to invest in new hardware or hire additional IT staff.\nProactive maintenance: MSPs typically offer proactive maintenance and monitoring, which can help identify and resolve potential IT issues before they become critical. This helps small businesses minimize downtime and maintain productivity.\nImproved security: MSPs can help small businesses implement robust security measures to protect their sensitive data and IT infrastructure from cyber threats. This is particularly important as cyberattacks on small businesses continue to rise.\nCompliance: Small businesses operating in regulated industries may need to meet specific IT compliance requirements. MSPs can help ensure their IT infrastructure and processes meet these requirements, reducing the risk of non-compliance penalties.\nA small business may decide to switch MSPs for several reasons, including:\nPoor service quality: If a small business is dissatisfied with the quality of service provided by their current MSP, they may decide to look for a better provider.\nLack of expertise: If the current MSP is unable to meet the evolving IT needs of the small business or lacks expertise in a specific area, the business may choose to switch to a different provider.\nCost concerns: A small business may switch MSPs if they find a more cost-effective option or if their current provider raises prices without offering additional value.\nCommunication issues: A lack of clear communication or responsiveness from the current MSP can lead to dissatisfaction and prompt a small business to seek a new provider.\nBetter fit: Sometimes, a small business may find an MSP that better aligns with their company culture, goals, or specific requirements and decide to make a switch.", "domain": "economics"}
+{"url": "http://shanghaislook.com/index.php/property/2280/en", "date": "2020-08-09T02:59:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439738380.22/warc/CC-MAIN-20200809013812-20200809043812-00119.warc.gz", "language_score": 0.7032808065414429, "token_count": 1317, "dump": "CC-MAIN-2020-34", "global_id": "webtext-fineweb__CC-MAIN-2020-34__0__79915276", "lang": "en", "text": "一、Monaco Residency / Citizenship 摩纳哥永居／公民\nProgram Information 项目信息\n1、Anyone who is at least 16 years of age and wishes to reside in Monaco for more than three months in a year, or set up home in the Principality, must apply for a residence permit from the Monégasque authorities.\n2、Monaco, a Mediterranean city-state located on the Cote D'Azur, in the South of France, is a de-facto member of the Schengen Area. The principality is considered as one of the most ideal places of residence in Europe due to its high-class leisure facilities, a pleasant climate, and favorable tax system.\n3、Monaco residents benefit from no personal income tax, making the principality a main choice for high-net worth individuals wishing to relocate to Monaco as their main place of residence. The country has produced streamlined legislation to create an efficient process by which applicants may obtain a residence permit - and if so desired.\n4、The Monaco permanent residency card (\"Carte de Sejour\") allow applicants to live in Monaco indefinitely. Permanent residency is granted on the basis of demonstrating proof of accommodation and proof of financial self-sufficiency.\n摩纳哥永久居留证（“Carte de Sejour”）允许申请人无限期居住在摩纳哥。永久居留权是在证明住宿证明和经济自给自足证明的基础上授予的。\n5、The Monaco Citizenship offers affluent persons of impeccable standing to receive the Monaco citizenship and passport after ten years in permanent residency status.\n6、Qualified candidates include international business executives, investors, entrepreneurs, public figures, celebrities, VIPs, and important persons - many of which are are active worldwide - who meet the minimum application requirements.\n7、Applicants consider an alternative citizenship and passport a powerful tool for international tax planning and as a safety net should the living conditions at home become undesirable.\n二、Application Requirements 申请条件\nAll applicants for Monaco residency must show proof of accommodation. The accommodation must be appropriate for the size of the applicant's family. Proof of accommodation can take the following forms:\n#1: Real Estate Purchase. The applicant invests in property in Monaco. There is no minimum transaction value, but be advised that Monaco real estate is some of the most expensive per square meter in all of Europe due to the city-states small size. The proof of real estate ownership, to be submitted at the time of filing the residency/citizenship application, includes a copy of the deed/purchase contract.\n#2: Real Estate Rental. The applicant leases an apartment for a minimum duration of one year. The size of the apartment must be sufficient for the size of the applicant's family. For example, an applicant with a family of four persons should rent an apartment with at least 2 bedrooms to meet the proof of accommodation test. There is no minimum monthly rental cost that must be met. The proof of an apartment rental, to be submitted at the time of filing the residency/citizenship application, includes a copy of the rental contract.\n#3: Corporate Real Estate Ownership. The applicant is a director or unit holder of a company which owns a house or apartment in Monaco. The proof of corporate real estate ownership, to be submitted at the time of filing the residency/citizenship application, includes a copy of the deed/purchase contract.\n#4: Living with a Close Relative. The applicant is staying with a close relative, a spouse, or a partner with whom the applicant is living as a couple. The proof to be submitted at the time of filing the residency/citizenship application, includes a document signed by the owner of the property and a copy of the home owner's deed/purchase contract or rental contract.\nAbove all information, you have to match one\n三、Every pplicant must demonstrate financial self-sufficiency. The intent here is to show the Monaco government that applicants can support themselves and their families while living in Monaco.\n#1: Bank Account Deposit. The applicant opens a bank account in his/her name at one of Monaco's many banks and deposits at least EUR 500,000-EUR1,000,000. The actual amount depends on the bank selected; some banks have higher minimum requirements. Monaco imposes no restrictions on foreigners opening bank accounts or owning real estate in the principality. The proof of deposit, to be submitted at the time of filing the residency/citizenship application, is an official letter issued by the Monaco bank.\n#2: Employment Contract. The applicant demonstrates paid employment with a Monaco company. The proof of deposit, to be submitted at the time of filing the residency/citizenship application, is a copy of the employment contract and a letter issued by the Monaco government authorizing the company to offer employment to the applicant.\n#3: Company Formation. The applicant forms a new company in Monaco, providing at least ten new jobs to Monaco citizens or residents. Authorization to form a new company is to be obtained from the government. The proof of a new company to be formed, to be submitted at the time of filing the residency/citizenship application, is a copy of the government's authorization letter.\n#4: Support from a Close Relative. The applicant is financially supported by a close relative, a spouse, or a partner with whom the applicant is living as a couple.\nMore information, contact: Maryanne M\nMP电话：+ 86 13621601876\nOffice Address办公室地址： 上海市徐汇区淮海中路1256号\n1256 Huaihai Middle Rd, Xuhui District, Shanghai China 200030", "domain": "economics"}
+{"url": "http://simoniscloth.com/about/history", "date": "2022-08-08T04:31:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570765.6/warc/CC-MAIN-20220808031623-20220808061623-00289.warc.gz", "language_score": 0.9627607464790344, "token_count": 1530, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__192022002", "lang": "en", "text": "A History of Iwan Simonis and Cloth Production in Belgium\n1. Establishment of the Simonis factory\nThe town of Verviers, Belgium is in the flat basin formed by the valley of the Vesdre River. The water there was of such high quality, thanks to its low lime content, that it was particularly suitable for washing wool.\nIt was in this valley that the Simonis factory was set up in 1680 by Guillaume Henri Simon Simonis, a middle-class Verviers merchant born in the town in 1640 and known as “le Mercier” (“the haberdasher”).\nThe company itself was established on a more permanent footing by Jacques Joseph Simonis and was named after his son Iwan, who was born in Verviers in 1769. Today the name Iwan Simonis is now synonymous worldwide with the highest quality billiard cloth.\n2. William Cockerill\nAt the end of the eighteenth century, a spinner in Verviers would work with a single spindle, whereas in England, the Industrial Revolution had already resulted in machines being used for spinning wool. The British government threatened anyone who exported this technique with permanent exile, in order to protect the country’s monopoly.\nNevertheless, William Cockerill, a young British engineer, departed for Sweden in 1797 with the blueprints for his famous wool-spinning mill. However, no one seemed to be interested in his ideas, and he eventually ended up in Hamburg. There, he met a wool buyer from Simonis who realized the value of this technique, which had until then been unknown on continental Europe.\nThis pioneer in the field was invited to Verviers with his family and signed a contract in which he agreed to produce spinning machines exclusively for his new employer. The first machine was constructed in 1797 in the building known as “Au Chat”, (the cat).\nIncresed success followed, which, in addition to being able to compete with the English on level terms, provided Simonis with a major technological advantage over its continental competitors.\n3. The golden age\nThis spinning machine was only the first of many technological innovations that were to see the light of day in Verviers at the beginning of the nineteenth century. These inventions included machines for carding and spinning wool, longitudinal shearing machines and the Leviathan, which was used to clean the wool.\nIn addition, electricity, the steam engine and the coming of the railways increased capacity in terms of both production and transport to levels never seen before. In this same period, the bill of exchange became widespread in commercial exchanges, seeing as it had the advantage of eliminating the risks associated with transporting and using cash, in the form of gold or silver coins, for business transactions.\nIn 1857, demand from the wool industry in Verviers led to a plan to build a dam in the area, in order to supply all the local textile companies with pure water of equal quality. This dam, at La Gileppe, with a capacity of 12 million cubic metres, was inaugurated in 1878.\nAll these innovations, plus an abundant supply of skilled labour, made Verviers a prosperous town and a center of the wool industry, like its competitors Bradford (England), Mönchengladbach (Germany), and Roubaix (France).\n4. The two World Wars\nDuring the First World War, there was a sharp reduction in the trade in woolen cloth because of the shortage of raw materials.\nThen came the economic crisis between 1929 and 1935, which caused a further decline in industrial activity, especially in the Verviers area. Production was cut and workers were laid off.\nThe Second World War followed and, like the first, led to a shortage of wool. However, there was worse to come. At the end of the War, the Allies mistakenly bombed Simonis’s spinning mill, and this prevented the company from playing a full part in the recovery in business life that followed.\nFrom then on, the textile industry in Belgium, along with that in the rest of western Europe, continued to decline, and Simonis’s operations were no exception. Simonis therefore had to close or sell some divisions, such as spinning, haberdashery, the production of woven garments, and the combing, scouring and carbonising of wool.\n5. Peltzer & Fils\nPeltzer & Fils, a celebrated company in its own right, was established in 1785 by Jean Henri Peltzer, from Stolberg, in Germany. The company was set up at Hodimont, which is now part of the district of Verviers, but which at the time was part of the Duchy of Limburg, a Dutch territory belonging to the Hapsburgs.\nThe company continued to expand, and a subsidiary was established in Buenos Aires in 1849 and another in Poland in 1885.\nIn 1961, the activities of S.A. Simonis and Peltzer were combined and the Société Anonyme des Draps et Filés Iwan Simonis (or the Belgian public limited company Iwan Simonis Cloth) was created, with an emphasis on commercial continuity. The capital of this company was fully subscribed by the PELTZER group.\nThe growth in demand for Iwan Simonis cloth in North America led to the creation in 2000 of the subsidiary Iwan Simonis Inc., at Gurnee, near Chicago, Illinois (USA). Iwan Simonis, Inc. subsequently moved to a larger facility in Libertyville, Illinois (USA) in January of 2010. Iwan Simonis billiard cloth is now exported from the production site in Belgium to more than 50 countries, on every continent.\nIn 2005, the Iwan Simonis companies celebrated their 325th anniversary and in 2013, the companies reached the one-third millenium mark of 333 years. Unfortunately, a fire destroyed the company archives in 1982, and so the exact date on which the manufacture of billiard cloth began is not known. Nevertheless, for over two centuries, generations of technicians and skilled workers have been producing our world-famous, superior-quality billiard cloth, which others try to imitate, but always in vain.\nOur large factories contain the very latest specialist equipment, and our technicians are constantly monitoring and improving the quality of Iwan Simonis cloth. This is why, throughout the world, the Simonis Brand means the very best in billiard cloth.\nTo the owners of billiard tables or billiard clubs, and to players, Iwan Simonis cloth means the highest efficiency, a perfect roll and absolute precision.\nIn 2012, Iwan Simonis S.A. acquired Saluc S.A., the manufacturer or the world-famous Aramith® brand billiard balls and the revolutionary Fusion™ table line.\nIn 2016, Iwan Simonis S.A. acquired WSP Textile of England, the manufacturer of the world-famous Strachan® snooker cloths and Playne's tennis ball cloths.\nToday we manufacture a complete range of pool, snooker, carom and pyramide cloths and balls, to suit the characteristics of every type of game played on a billiards table throughout the world.\n...and the story continues...", "domain": "economics"}
+{"url": "http://broadbandrf.org/donations/", "date": "2024-03-01T20:43:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475701.61/warc/CC-MAIN-20240301193300-20240301223300-00541.warc.gz", "language_score": 0.9332056641578674, "token_count": 268, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__45742495", "lang": "en", "text": "Your Donations Help\nWe are the Rural Broadband Foundation, a nonprofit organization that works to bring high-speed internet access to rural communities across the country. Your donations help in making that possible.\nMake a Donation\nDid you know that more than 14 million Americans living in rural areas lack access to broadband internet, which is essential for education, health care, business, and social connection? Without broadband, rural residents are at a disadvantage in terms of economic opportunity, quality of life, and civic engagement.\nThat’s why the Rural Broadband Foundation is dedicated to advocating for policies and programs that support the expansion of broadband infrastructure and services in rural areas. We also provide technical assistance, and training to local organizations and individuals who are working to improve broadband access in their communities.\nWe are asking you today for your support for our cause. Your generous donation will help us continue our work to bridge the digital divide and ensure that everyone has access to the benefits of broadband internet. Every dollar counts and we appreciate any amount you can give.\nThank you for your time and attention. Together, we can make a difference for rural America.\nTo make a donation, please click the button below. You will be redirected to our secure payment gateway. You will be able to choose the amount of your donation and your payment method.", "domain": "economics"}
+{"url": "http://virtuality-ns.com/our-product/", "date": "2018-02-23T12:01:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891814700.55/warc/CC-MAIN-20180223115053-20180223135053-00767.warc.gz", "language_score": 0.9116012454032898, "token_count": 435, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__360888", "lang": "en", "text": "Researchers show that touching, interacting and customizing a product may increase the probability of a sale by 30%-50%. However, physical, brick and mortar stores that sell large products such as kitchens, furniture and appliances are frequently unable to display the full variety of their products, due to the high display costs.\nOften highly customizable products can’t be displayed (kitchens for example).\nThe physical, brick and mortar retail market hasn’t made a leap forward for a long time. This creates a tough market with very low profit margins. There is a clear and pressing need for a new shopping experience that will be wonderful for customers, while increasing sales and reducing costs for the retailer.\nWe help retailers (initially kitchen, furniture and appliance stores) to increase sales and reduce costs, using Virtual Reality (VR) technology.\nWe use a VR headset and a gesture recognition camera to create a high quality, enjoyable experience that allows customers to interact naturally with products using only their hands, view from every angle and customize the product in the VR.\nPlacing our product in stores, will help retailers to increase sales by:\n• Creating endless store space, allowing them to display the full variety of their products\n• Enabling new level of customization illustration and interaction with products.\n• Learning and understanding customers better, using consumer behavior analysis.\nAnd, on the other hand, reduce costs by letting go store space\n• Amazing shopping experience – By using a gesture recognition camera, users can interact with products in the VR through natural hand gestures, while viewing them from every angle.\n• Customized prototypes generated in seconds – Customization of product texture, size, color, models, etc. For instance the ability to create a kitchen structure, texture and materials, while in the VR world.\n• Limitless expansion of (virtual) store space, at minimal cost which will lower retail expenses dramatically.\n• New opportunities for consumer behavior analysis and A/B testing techniques that will become a new growth engine.\n• A multiuser shopping experience – Family and friends, sales staff, or designers can be part of the VR shopping experience.", "domain": "economics"}
+{"url": "https://www.viveri.com/news/viveri-expands-neelikon-offerings/", "date": "2021-07-23T22:34:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046150067.51/warc/CC-MAIN-20210723210216-20210724000216-00680.warc.gz", "language_score": 0.8628845810890198, "token_count": 201, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__116744495", "lang": "en", "text": "Viveri Expands Neelikon Offerings\nFollowing Viveri’s successful introduction as Neelikon’s exclusive North American distributor of regulated Food Colors, Viveri is proud to announce the expansion to include Neelikon’s full range of Colors for Pharmaceuticals, Cosmetics, Personal Care and Inks. This includes not only US FDA certified FD&C and D&C Dyes and Lakes, but also Neelikon’s complete line of inorganic pigments.\nNorth America’s Cosmetic and Pharmaceutical Industries can now realize the same benefits this relationship has provided the Food Industry with for the last three years – Neelikon’s high quality colorants paired with Viveri’s sales, technical and regulatory support, local inventories, and competitive pricing.\nFor more information, please contact Viveri at (216) 391-8050 or firstname.lastname@example.org.", "domain": "economics"}
+{"url": "https://xrgenergy.com/about/", "date": "2023-10-01T09:46:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510810.46/warc/CC-MAIN-20231001073649-20231001103649-00333.warc.gz", "language_score": 0.902914822101593, "token_count": 1143, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__285184237", "lang": "en", "text": "Building the Clean Energy Future\nXRG Energy Inc. is dedicated to transforming the energy sector through the fundamental principle of Exergy. Our primary objective is to pioneer innovation and deliver state-of-the-art energy solutions that optimize efficiency and promote sustainability in energy utilization. By leveraging Exergy, we aim to minimize energy waste while maximizing the production of useful work within energy systems. Our team of experts is deeply committed to developing groundbreaking technologies that unleash the full potential of energy resources, all while minimizing the environmental footprint. As we relentlessly pursue excellence and prioritize Exergy, we are actively empowering businesses and communities worldwide to realize a more sustainable and prosperous future. Through our expanding global network, we ensure efficient sales and distribution of our advanced energy solutions to customers across the globe.\nIn XRG Energy, our collaboration extends beyond industrial partners to include the final users who seek convenient and integrated energy systems. Whether it's for mobile applications or utility-scale uses, we strive to provide tailored solutions that meet their specific needs. By engaging directly with end-users, we gain valuable insights into their requirements and preferences, enabling us to develop and deliver energy systems that seamlessly integrate into their operations.\nAt XRG Energy, we extend a warm welcome to new investors who are interested in supporting our strategic vision of becoming a leading supplier in the green energy solutions market. One of our key advantages is our ability to seamlessly integrate the entire value chain, which allows us to maximize the lifecycle of the cutting-edge technologies we deploy and develop. By joining forces with us, investors can contribute to the growth and success of XRG while playing a crucial role in driving the transition to a more sustainable future.\nAt XRG Energy, we collaborate with global industrial partners in innovation, engineering, procurement, distribution, and production, both globally and locally. This diverse network enhances our capabilities and allows us to deliver efficient energy solutions worldwide.\nWe leverage cutting-edge technology to swiftly bring state-of-the-art technologies into the market, facilitating the shift away from less efficient conventional methods. By integrating the finest technologies and expertise from our expanding global network, our solutions optimize energy systems' efficiency, specifically exergy.(XRG).\nThe turn-key and efficient clean energy system provided by XRG Energy offers storage, generation, smart controls, and diesel transition connection within a standard container (20, 40, 40 feet) using a rack-mounted modular design. The system is seamlessly integrated with an energy management system (EMS Smart – Energy Management System) and a control program (SCADA). These containers can be easily connected to various types of renewable energy production.\nXRG Energy is a leading developer for systematic utilization of integrated energy solutions, driving innovation to facilitate the transition of off-grid territories away from fossil fuels. We also lend our expertise to grid operators, assisting in the modernization of their infrastructures and promoting a greater emphasis on renewable energy sources. Through our expanding global network of channel partners, XRG comprehends the paramount importance of addressing electricity supply challenges in various regions worldwide, harnessing this collective intelligence to maximize efficiency in our energy systems, much like the concept of exergy.\nWith over two decades of experience, our manufacturing and technology partners have been at the forefront of developing and implementing microgrid technologies. XRG serves as the platform to deliver comprehensive energy solutions precisely where they are most needed. We meticulously recommend energy storage solutions that align with the specific requirements of each region.\nOur energy storage containers are adaptable to a multitude of scenarios, whether it be for humanitarian assistance, one-time festive events, temporary industrial operations, permanent community power supply, or seawater desalination plants. These mobile and turnkey (Plug & Play) solutions offer a range of options:\nIntermittent energy smoothing: Our batteries can be seamlessly integrated with solar and/or wind farms to facilitate their grid integration, ensuring a smooth and reliable energy supply.\nFrequency and voltage management: Our batteries are intelligently programmed to automatically support the network, efficiently managing and stabilizing frequency and voltage fluctuations.\nEnergy shifting (arbitrage): Our batteries capitalize on production surpluses or periods of low-cost production by charging, and discharge during periods of production scarcity or high costs, optimizing energy utilization and cost-effectiveness.\nDeferral in network investment (virtual line): By installing our batteries, the need for constructing new power transmission lines can be avoided, providing a cost-effective alternative to expanding the network infrastructure.\nCreation of a grid: Our batteries have the capability to replace generators, forming a grid system that facilitates greater penetration of renewable energy sources, enabling a more sustainable and resilient energy ecosystem.\nAt XRG Energy, we remain committed to driving the adoption of storage solutions and empowering communities and industries to embrace sustainable energy practices.\nLithium-ion batteries currently hold a prominent position in the battery market. ADEME (French Environment and Energy Management Agency) and IRENA (International Renewable Energy Agency) have independently affirmed that lithium, in terms of its geological availability, is not significantly exposed to supply risks. However, continuous research efforts are being directed towards exploring alternative approaches that reduce reliance on limited resources.\nAt XRG Energy, we recognize the limited lifecycle of lithium, encompassing considerations such as the environmental impact of sourcing, end of life management, and the finite lifespan of batteries. Consequently, we are deeply committed to driving down the cost of eco-friendly alternatives. This commitment spans various dimensions, including optimizing utilization, exploring alternative raw materials, improving procurement practices, optimizing the value chain, and creating opportunities for establishing local supply chains and fostering green economies.", "domain": "economics"}
+{"url": "https://www.medtechviews.eu/articles/author/teodora-angelova/", "date": "2024-03-03T23:00:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476399.55/warc/CC-MAIN-20240303210414-20240304000414-00847.warc.gz", "language_score": 0.912925124168396, "token_count": 212, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__10563200", "lang": "en", "text": "Senior Manager Market Data\nTeodora Angelova is a Market Data Coordinator at MedTech Europe, working mainly on In Vitro Diagnostics and Cardiovascular industry trackers. She is supporting the Market Research Committee – responsible for the management and development of the market statistics services (MIS and GDMS) and the annual update of the Global In Vitro Diagnostics Classification (GIVD). Teodora’s goal is to deliver timely and accurate global market intelligence information to MedTech Europe’s Corporate and National Association members and to answer any ad-hoc industry data needs.\n1 blog from the author\nPosted on 22.03.2023\nEurope’s in vitro diagnostics (IVD) market has expanded sharply since 2020, with demand for SARS-CoV-2 tests driving double-digit growth for the past two years. In 2020, total revenues for the IVD sector rose by 29.1%That striking growth rate was eclipsed by 2021’s unprecedented growth of 43.7%.", "domain": "economics"}
+{"url": "https://chronicleoflife.com/financialinfo", "date": "2022-06-30T15:40:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103850139.45/warc/CC-MAIN-20220630153307-20220630183307-00765.warc.gz", "language_score": 0.9472171068191528, "token_count": 513, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__152620634", "lang": "en", "text": "75 percent of your payment is invested in an endowment fund to pay for all future costs. We set the cost per MB such that the income from the endowment fund will be sufficient to cover all expected future costs. In particular, we calculated the present value of all future costs conservatively, assuming that some of these, such as the cost of labor, will grow steadily, while others, such as the cost of storage, will remain constant.\nAn endowment fund is required to preserve the principal (the money invested) in perpetuity, and only pays out investment income, such as interest, dividends and capital gains. As a 501(c)(3) non-profit organization, the Foundation is not liable for taxes on income from its exemption-related activities, and can thus use all of its income to preserve your data for posterity.\nThe annual investment income is expected to be sufficient to cover ongoing costs forever and to pay for periodic migration of data to new formats. In case of unforeseen events such as spikes in the cost of labor or electricity, the Foundation has established a set of priorities and procedures, such as increasing the price per MB for new users or migrating data to formats that allow better compression, to guarantee the preservation of your data.\nConsistent with the requirements for an endowment fund, our investment policy is conservative: more than 50% of the fund is invested in investment-grade fixed income securities, and the remainder is invested in a highly diversified portfolio of other investment products favored by university endowment funds, including common and preferred stock. Diversification across asset classes, industries and geographies reduces the risk of the fund.\nMost money is invested in low-cost index-tracking funds to achieve a high level of diversification with minimal transaction costs. In particular, we only invest in funds with an annual expense ratio below 0.2 percent of assets under management.\nOur operational expenses include the costs of website hosting and backup data storage, database and website maintenance, including periodic data migration to new formats to prevent file format obsolescence, and customer support. Nearly 95 percent of your contribution pays for operational expenses, now and in the future, while 4 to 5 percent cover the cost of payment processing, i.e., credit card transactions.\nOur administrative expenses include all other expenses, such as administrative salaries, rent, accounting and legal fees. These expenses are very low, accounting for less than 0.5% of fund value annually.", "domain": "economics"}
+{"url": "http://lahorepinklounge.com/2017/10/30/why-do-we-like-foreign-food/", "date": "2018-07-15T20:46:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676588972.37/warc/CC-MAIN-20180715203335-20180715223335-00261.warc.gz", "language_score": 0.9722009897232056, "token_count": 1311, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__83105070", "lang": "en", "text": "ISLAMABAD: “It is surprising that there are so many multinational companies running fast food restaurants in Pakistan,” says a foreigner in one of the KFC restaurants in Islamabad. “Yes, I like the food in KFC, being an American, but I would have lived very well on Pakistani flavoured chicken, too, and maybe it would have been healthier,” and then she pauses, because she is not quite sure that the oily Pakistani food is healthy if consumed every day.\nMost of the foreign chains have their headquarters in America, such as KFC, with two outlets in Islamabad and a total of 69 in Pakistan, and Pizza Hut, with three outlets in Islamabad and 57 in the country. And then there is a new American chain in the country, named Hardees, with an outlet in Rana Market in the F7 sector.\nIn F-6 Super Market, there is a South African chain named Nandos, and that, too, specialises in chicken dishes, with special trademark flavours of sauces, certainly with secret recipes.\n“No, Pakistan doesn’t need foreigners to prepare chicken for them. If there is something Pakistanis are good at, then it must be making delicious chicken dishes,” a Danish customer jokes.\n“But international food chains are everywhere in our globalised world. They may not contribute to the local economy; rather they would take out profit from the country. Perhaps they add some value, though, in better hygiene and maybe also in ambiance.”\n“Young people in particular like to go to the modern-looking fast-food restaurants. It costs more than in local restaurants, and the food may not be better. But it is still worth it, well as long as the family can afford it.”\n“That means that the youth and older people, too, go to eat in places where they feel they belong, where they want to be seen, and where the friends of their class and background go. Economists call this ‘conspicuous consumption’, meaning that it is not really the product that is important, but it is all that comes with it.”\n“If somebody buys a very expensive car, with horse power meant for high-speed driving German autobahns, he cannot make much use of it in Pakistan. But, it is still great to be seen in such a car. And if people can afford it, and they pay taxes to the government, I have nothing against it either,” the thoughtful Dane says, adding that even the Scandinavians, who used to be quite puritan, now can be seen in Lexus and Cadillac cars. We seem to show off more than before, and we don’t care if some think it is wrong, because so many others are impressed.”\n“I don’t like foreign food,” says Asif Farooq, who comes from Multan and is a driver for a European family in Islamabad.\n“When I take them to a posh restaurant in the city, I am given money to take food, too, and I always go to a local restaurant, where they have daal, roti and chicken prepared the way I like it,” he says.\n“Or I go to Savour Foods in Blue Area, or one of their other outlets in Islamabad and Rawalpindi, where they have the chicken rice pulao dish with Pakistani style salad of raw tomatoes, onions and cucumber. It is a very popular place for young people, Asif adds.\n“I believe that Pakistani restaurants can do much better than they are doing,” says Wazir Ali, who came back from the UK to establish MJ’s Bakers in Islamabad, which is a local company, but has an international flavour to it.\n“I think about my own business and customers,” Wazir says. “I agree with those who say that international chains are not really needed. But they, too, should be allowed to operate in the country, and it is the quality and image of the local outlets that will determine our success. We can learn from foreigners, too. But we must also do things our own way,” Wazir says, mentioning that MJ’s is a supplier of bakery products to several international restaurants.\nHamid Faraz in Gourmet Bakers, with several shops in Islamabad, is proud of cooperating with Habanero Express for the new local beef and chicken hamburgers.\n“We have just started with it and we believe there is a great future for local brands, which are copies or hybrids of the foreign versions. We use mostly local ingredients but import some flavouring from abroad so the taste becomes right. And we are much cheaper than the foreign chains. Why do we like to eat foreign food when the local is as good or better,” asks Hamid.\n“I agree entirely with those who say we should develop our own food industry,” says Dr Munawar Sher Khan at St Joseph’s Hospice in Rawalpindi.\n“It is a status symbol to go to foreign fast food chains, but we don’t realise that they are actually meant for a quick and cheap meal for busy people; and they are meant to be cheaper than ‘proper’ restaurants, but that’s not the case in Pakistan. Some of them may buy cheaper raw materials and cut corners as for hygiene,” the doctor says.\n“As soon as we develop good local alternatives, I believe we can attract customers and be even more successful than the foreign chains. We can be cheaper and better.”\n“That goes for other sectors, too, such as education institutions and hospitals. We can make the local ‘brands’ as good as the foreign ones, and then the upper middle class don’t have to send their children abroad for their education, or go for medical treatment abroad. We can make many hospitals as good as Aga Khan and Kulsoom, and many schools and colleges equal to Beacon House and Atchison. Then we can be prouder and more indigenous Pakistanis,” says Dr Munawar Sher Khan.", "domain": "economics"}
+{"url": "http://m.eabl.com/news/201/26/EABL-issues-kes-6-billion-medium-term-note", "date": "2017-04-28T19:46:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917123048.37/warc/CC-MAIN-20170423031203-00455-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9253448247909546, "token_count": 300, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__193010255", "lang": "en", "text": "Nairobi, March 13, 2017…East African Breweries Limited announced today the issuance of the second and final tranche of its Domestic Medium Term Note (MTN) Programme, seeking to raise a total of up to KES 6 billion. The Note will bear interest at a fixed annual rate of at least 14.17% until maturity on March 28, 2022.\nThis is the second phase of the KES 11 billion Programme, which in 2015 raised a total of KES 5 billion, an issuance that recorded a subscription rate of 180%.\nThe second and final tranche which has already received approval from the Capital Markets Authority (CMA) will provide EABL an opportunity to match its borrowings with its medium-to-long term capex and working capital investment aimed at building capacity and optimizing operations. The issue is aimed at achieving an optimal capital structure.\nThe minimum investible amount of the bond, which will be listed on the Fixed Income Securities Investment Segment of the Nairobi Securities Exchange, is KES100,000 and integral multiples of KES 100,000.\nThe Placing Agents for EABL’s MTN Program are; Barclays Bank of Kenya & Barclays Financial Services Limited, and CFC Stanbic Bank & SBG Securities Limited. CFC Stanbic are also the Fiscal Agent, while Coulson Harney Advocates are the Legal Advisors in this transaction.\nCopyright © East Africa Breweries Limited 2013", "domain": "economics"}
+{"url": "https://pro100movers.com/testimonials_cat/testimonials/", "date": "2024-02-22T03:22:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473690.28/warc/CC-MAIN-20240222030017-20240222060017-00121.warc.gz", "language_score": 0.9853267669677734, "token_count": 473, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__69208789", "lang": "en", "text": "I would definitely recommend Pro100movers if anyone is planning to move to another city or state. The price is lower than other companies. Manager accurately calculated hourly rate, made a contract. The contract included a basic insurance of things. The team members were polite, offered advice and answered all questions.\nTransported furniture with the company Pro100movers in another city. Additionally I ordered the packing. I was asked in advance what kind of furniture I have in order to bring the right tools. They took the furniture apart and carefully transferred it to the car as I couldn’t have done it myself as the mechanics were […]\nBig thanks to Pro100movers for quick delivery and low prices. The agreement was written competently, delivery cost was not overpriced – I paid for 3 hours. The car was delivered promptly at the appointed time without delay. The driver is very polite and punctual, a team of movers responsible and neat.\nAfter a long search and selection of transportation companies, I decided to turn to Pro100movers. I needed to move my furniture and personal belongings to another state. Our manager called me the price by phone in advance, and then I received a final offer by email. I ordered to transport my mother’s belongings. And since […]\nThanks, Pro100movers. Worked perfectly. My manager contacted me promptly, asked qualifying questions about the delivery, clearly indicated the schedule and price of delivery. The company told me that the driver is allowed to drive for not more than 12 hours, and we need at least 18 hours to get there. So they sent two drivers […]\nI searched for a shipping company on the internet for a long time. I chose Pro100movers. I wasn’t mistaken and didn’t regret it. I was happy with all conditions, time and cost. I paid for 3 hours per contract and then paid for another hour – there were a lot of items. The contract specifies […]\nI have sent personal items through Pro100movers twice. I have studied many companies. But Pro100movers has the best delivery terms and prices. The manager of the company intelligently and clearly explained the details of delivery. The car was on time, porters quickly and accurately moved things into the car. The parcels were delivered directly to […]", "domain": "economics"}
+{"url": "https://www.bankruptcy-hagerstown.com/filing-chapter-7/", "date": "2024-04-12T14:39:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816024.45/warc/CC-MAIN-20240412132154-20240412162154-00439.warc.gz", "language_score": 0.9306354522705078, "token_count": 1195, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__61844778", "lang": "en", "text": "Filing Chapter 7 Bankruptcy in Hagerstown\nTo ensure you navigate the Chapter 7 bankruptcy process successfully, it’s crucial to consult with a bankruptcy attorney today.\nA bankruptcy attorney possesses the expertise and knowledge needed to guide you through the complex legal procedures involved in filing for Chapter 7 bankruptcy.\nThey’ll assess your financial situation, help you complete the necessary paperwork, and represent you during court proceedings.\nWith their assistance, you can maximize your chances of achieving a fresh start and overcoming your financial difficulties.\nChapter 7 Bankruptcy: The Basics\nChapter 7 bankruptcy is a legal process that allows individuals and businesses to eliminate their debts and start fresh. Understanding the basics of Chapter 7 bankruptcy is essential for anyone considering this option.\nThis includes knowing how it works, the eligibility requirements, the difference between dischargeable and non-dischargeable debts, and the property exemptions available.\nWhat Is It?\nChapter 7 Bankruptcy provides individuals with the opportunity to eliminate their debts and obtain a fresh financial start. It’s a legal process that allows individuals to have their eligible debts discharged, meaning they’re no longer responsible for paying them. This can include credit card debt, medical bills, and personal loans.\nHowever, not all debts are eligible for discharge, such as student loans and child support payments. It’s important to consult with a bankruptcy attorney to understand the specific requirements and implications of filing for Chapter 7 Bankruptcy.\nHow Does it Work?\nFiling for Chapter 7 Bankruptcy provides individuals with a legal avenue to eliminate their debts and start anew financially.\nOnce the bankruptcy petition is filed, an automatic stay is issued, which halts all collection actions by creditors.\nA trustee is appointed to review the case, liquidate any non-exempt assets, and distribute the proceeds to creditors.\nAfter completing a credit counseling course, the debtor is granted a discharge, officially relieving them of their debts.\nTo be eligible for Chapter 7 Bankruptcy, individuals must meet certain requirements as outlined by federal law. These requirements include passing the means test, which evaluates one’s income and expenses to determine if they have enough disposable income to repay their debts.\nAdditionally, individuals must undergo credit counseling within six months prior to filing for bankruptcy. It’s important to consult with a bankruptcy attorney to ensure eligibility and navigate the process smoothly.\nDischargeable vs. Non-Dischargeable Debts\nAfter meeting the eligibility requirements for Chapter 7 Bankruptcy, individuals must understand the distinction between dischargeable and non-dischargeable debts.\nDischargeable debts are those that can be wiped out or eliminated through bankruptcy, giving the debtor a fresh start.\nNon-dischargeable debts, on the other hand, can’t be eliminated and must still be paid even after filing for bankruptcy.\nIt’s crucial to know which debts fall into each category to effectively navigate the Chapter 7 bankruptcy process.\nChapter 7 Property Exemptions\nChapter 7 bankruptcy allows individuals to protect certain property from being liquidated to pay off creditors. This is achieved through property exemptions, which vary from state to state.\nIn Hagerstown, Maryland, individuals filing for Chapter 7 bankruptcy can utilize exemptions such as the homestead exemption, which protects their primary residence up to a certain dollar amount. Other exemptions may include personal property, such as vehicles, household goods, and retirement accounts.\nUnderstanding these exemptions is crucial when filing for Chapter 7 bankruptcy in Hagerstown.\nHow to File for Bankruptcy Chapter 7\nFiling for Chapter 7 bankruptcy in Hagerstown can provide individuals with a fresh financial start. To file for bankruptcy under Chapter 7, follow these steps:\n- Gather and organize all financial documents, including income, expenses, debts, and assets.\n- Complete credit counseling from an approved agency.\n- Prepare and file bankruptcy forms, including a petition, schedules, and a statement of financial affairs.\n- Attend the meeting of creditors and cooperate with the bankruptcy trustee.\n- Complete the debtor education course.\n- Receive the bankruptcy discharge, which eliminates most debts.\nBankruptcy Chapter 7 vs. 13\nWhen considering bankruptcy options, individuals may find themselves weighing the differences between Chapter 7 and Chapter 13.\nChapter 7 bankruptcy, also known as liquidation bankruptcy, involves the sale of assets to pay off debts. It offers a fresh start by eliminating most unsecured debts.\nOn the other hand, Chapter 13 bankruptcy, also known as reorganization bankruptcy, allows individuals to create a repayment plan to pay off their debts over a period of three to five years.\nIs Chapter 7 Bankruptcy Right for You?\nDetermining whether Chapter 7 bankruptcy is the right choice for an individual can be a complex decision. Seeking assistance from a bankruptcy attorney is crucial in understanding the specific circumstances and financial implications involved.\nThey can provide knowledgeable guidance and help navigate the process to ensure the best possible outcome for the individual.\nGet Assistance from a Bankruptcy Attorney Now\nIf you’re unsure about whether Chapter 7 bankruptcy is the right choice for you, seeking assistance from a bankruptcy attorney can provide the guidance you need.\nA bankruptcy attorney is an expert in the field and can assess your financial situation to determine if Chapter 7 bankruptcy is the best option for you.\nThey can also guide you through the complex process, ensuring that all necessary paperwork is filed correctly and helping you understand your rights and responsibilities during the bankruptcy proceedings.\nGet in touch with us today\nAcknowledge the significance of choosing cost-effective yet high-quality services for filing Chapter 7 bankruptcy. Our expert team in Hagerstown is prepared to assist you with all aspects, whether it involves comprehensive guidance or minor adjustments to enhance the effectiveness and success of your Chapter 7 bankruptcy filing!", "domain": "economics"}
+{"url": "https://elbalincoln.com/about/", "date": "2021-03-09T10:50:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178389798.91/warc/CC-MAIN-20210309092230-20210309122230-00597.warc.gz", "language_score": 0.9459876418113708, "token_count": 206, "dump": "CC-MAIN-2021-10", "global_id": "webtext-fineweb__CC-MAIN-2021-10__0__144637213", "lang": "en", "text": "“The East Lincoln Business Association exists to support and strengthen businesses located in East Lincoln by providing opportunities for networking, promotion and representation.”\nBenefits of Becoming a Member of ELBA:\nLocal businesses make an impact in the lives of Lincoln’s citizens. Our members contribute to this through the products and services they offer, the taxes they pay, the payroll they provide, and the charities and community programs they support. ELBA gives you an opportunity to help determine what this impact will be.\nOur goal is to build a dedicated and growing network of people. We enhance the business climate of East Lincoln as a result. Also, we aim to foster local business growth.\nThe East Lincoln Business Association also gives us a political voice. Therefore, we are heard when a proposed action is to be taken in our area.\nJoin the East Lincoln Business Association\nThank you for taking the time to learn about what we do! If you are interested in joining, register by clicking on the button below.", "domain": "economics"}
+{"url": "https://www.creatingvalue.net.au/home/2017/heinrich/rawtec", "date": "2019-09-17T10:15:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514573070.36/warc/CC-MAIN-20190917101137-20190917123137-00291.warc.gz", "language_score": 0.9353434443473816, "token_count": 503, "dump": "CC-MAIN-2019-39", "global_id": "webtext-fineweb__CC-MAIN-2019-39__0__108064437", "lang": "en", "text": "\"Hi, my name is Kat Heinrich and I work for Rawtec as a Senior Consultant and in this role we advise governments and industry on how to become more resource-efficient.\n\"I also chair the International Solid Waste Association Young Professionals Group, which is a group of 70 young professionals involved in solid waste management from across the world, representing over 35 countries.\n\"My role at Rawtec is part of the Circular Economy in the way that we assist governments and businesses to come up with strategies and programmes to better manage their resources. So things like waste reduction programmes, things like recycling programmes ...\n\"I first heard about the Circular Economy through Green Industries SA, which is a State Government Agency in South Australia, which really takes the lead on efficient waste and resource management.\n\"The reason why the Circular Economy is important to me as a person is, it’s about the future. I mean we know that we can’t continue consuming resources the way we do. It makes sense from so many different perspectives: an environmental perspective, a job’s perspective, climate change perspective, a food-security perspective…\n\"So, it’s about being smart about what we want to do in the future.\n\"So, in the next 5 to 10 years, I see the biggest change that we can make with the Circular Economy will be about (being) focused on food waste. So, food waste is such a huge issue in cities across the world, including South Australia. And it’s such a waste of resources. We generate so much of it and it needs to be recaptured and put into the carbon cycle again, as nutrients as compost into the soil. \"\nKat Heinrich - Senior Consultant, Rawtec\nWith a background in consulting and a qualification in economics, Kat Heinrich regularly provides advice to organisations on a range of waste management, business and sustainability issues. Kat has undertaken key work for state and federal governments including Disaster Waste Management, state waste accounting and waste and resource recovery infrastructure planning.\nOther areas of specialisation include delivery of waste audits and reviews, provision of waste management advice to architects/planners for new developments, and review of waste policy and services for governments.\nKat brings an international perspective on solid waste management. She is Vice Chair of the International Solid Waste Association (ISWA) Young Professionals group, and works with the group on a range of global waste initiatives.", "domain": "economics"}
+{"url": "https://globaldiaspora.edu.np/study-abroad/study-in-australia", "date": "2024-02-23T16:08:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474440.42/warc/CC-MAIN-20240223153350-20240223183350-00459.warc.gz", "language_score": 0.944184422492981, "token_count": 577, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__49086642", "lang": "en", "text": "Pradarshani Marg, Putalisadak, Kathmandu\nAustralia offers excellent opportunities for studying, working, and living, making it an attractive destination for individuals from around the world. The country is known for its high-quality education system, with several prestigious universities and institutions that consistently rank among the top globally. International students can choose from a wide range of programs and fields of study, including engineering, business, medicine, and the arts. Moreover, Australia's multicultural society ensures a diverse and inclusive learning environment.\nIn terms of work, Australia provides numerous employment opportunities for both residents and international professionals. The country has a strong economy, with thriving industries such as mining, finance, tourism, and healthcare. Additionally, Australia offers a range of work visas and pathways for skilled migrants, allowing individuals to contribute their expertise to the country's workforce. The work culture in Australia is generally balanced, with a focus on work-life balance and employee well-being.\nAustralia is an excellent choice for studying abroad due to its world-class education system, diverse multicultural environment, and abundant opportunities. Australian universities consistently rank high in global rankings, offering a wide range of courses and research options. The country's welcoming atmosphere, safe cities, and vibrant lifestyle make it an ideal destination for international students. Additionally, Australia's strong economy provides numerous part-time work options and post-study employment opportunities, ensuring a rewarding experience both academically and professionally.\nThe cost of studying in Australia varies depending on factors such as the chosen institution, course, and location. On average, international students can expect to pay between AUD 20,000 to AUD 45,000 per year for undergraduate programs and AUD 22,000 to AUD 50,000 per year for postgraduate programs. Living expenses also need to be considered, which can range from AUD 18,000 to AUD 25,000 per year. Scholarships and part-time work opportunities can help offset some of these costs.\nThe education system in Australia is renowned for its high quality and rigorous standards. It follows a three-tiered structure consisting of primary education (from kindergarten to Year 6), secondary education (from Year 7 to Year 12), and tertiary education (university and vocational education and training). Australian universities offer a wide range of undergraduate and postgraduate programs across various disciplines. The education system emphasizes practical learning, critical thinking, and research skills, fostering a student-centered approach. It is regulated by the Australian government to ensure consistent standards and accreditation of institutions and programs.\nAustralia is home to a considerable number of universities, with approximately 43 universities spread across the country. These universities offer a diverse range of programs and degrees, catering to a broad spectrum of academic and professional interests. The universities vary in size, reputation, and specialization, providing students with a wide array of options to choose from for their higher education journey.", "domain": "economics"}
+{"url": "https://lowsfurniture.com/blogs/history/100-years-of-business", "date": "2023-06-01T00:04:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224647459.8/warc/CC-MAIN-20230531214247-20230601004247-00433.warc.gz", "language_score": 0.9725328683853149, "token_count": 231, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__18101659", "lang": "en", "text": "Since 1860, Lows is the oldest family business in Uxbridge. It was Mr. McGuire, the maternal grandfather of John Low Sr., who owned the Uxbridge Piano and Organ Co. and also sold caskets and furniture from the original location. About 1891, they moved the business to its current location at 76 Brock Street West. John Low came into the business in 1917 and was actively engaged in both the funeral home and furniture store businesses until the 1950’s.\nBill Low came into the business in 1949. In 1964 the original name of McGuire and Low, was changed to Low and Low upon incorporation. In 1988 John Low, the fifth generation joined the business. Our store has undergone many changes in the past year, and we are pleased to present a newly renovated bed shoppe and store front. Moving forward, we have exciting plans of further expanding our store and offer a greater selection of living and dining room furniture; and welcoming our 6th generation into the business. At Low’s we pride ourselves on providing great quality and selection of unique furnishings at reasonable prices, with small town friendly service.", "domain": "economics"}
+{"url": "http://zy.fui.fyi/news/96.html", "date": "2024-04-23T10:31:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818474.95/warc/CC-MAIN-20240423095619-20240423125619-00827.warc.gz", "language_score": 0.9536125659942627, "token_count": 393, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__122607469", "lang": "en", "text": "Why Build a Website?\nIn a world that is increasingly digital, having an online presence has become vital for businesses and individuals alike. A website can serve as a virtual storefront, allowing potential customers to learn more about your offerings and connect with you easily. But beyond just presenting information, a website can also provide a platform for engaging with your audience, building credibility, and even generating revenue.\nOne of the key benefits of a website is the ability to reach a wider audience. With the internet being accessible from nearly anywhere in the world, a website can help you expand beyond your local area and tap into new markets. This can be particularly valuable for businesses that offer products or services that are not tied to a physical location.\nAnother advantage of a website is the ability to establish credibility. In today's digital age, many consumers expect businesses to have an online presence. By having a professional-looking website, you can demonstrate that you are serious about your business and committed to providing quality products or services.\nA website can also serve as a powerful marketing tool. Through search engine optimization (SEO) techniques, you can increase your website's visibility in search results, making it easier for potential customers to find you. Additionally, by incorporating social media and email marketing strategies, you can drive traffic to your website and build a loyal following.\nFinally, a website can generate revenue in a number of ways. Depending on your business model, you may choose to sell products or services directly through your website, or you may use it as a platform for advertising or affiliate marketing. Whatever approach you take, a website can provide a valuable source of income and help you achieve your business goals.\nIn conclusion, there are countless reasons why building a website is important in today's digital landscape. Whether you are a small business owner, freelancer, or individual looking to establish an online presence, a website can help you reach new audiences, build credibility, and achieve success.", "domain": "economics"}
+{"url": "https://voip.infostot.com/2019/08/cs-technologies-calling-started-with.html", "date": "2019-10-14T23:12:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986655554.2/warc/CC-MAIN-20191014223147-20191015010647-00384.warc.gz", "language_score": 0.9644070267677307, "token_count": 1586, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__82769369", "lang": "en", "text": "Posted: 06 Dec 2018 12:00 AM PST\nCS Technologies is an example of a company that provides services that weren't around 20 years ago. However, it owes its existence to its parent company that started more than a century ago.\nCentral Scott Telephone was founded in 1902 and started serving communities of Eldridge, Long Grove and McCausland. It provided phone service at a time when the main provider, AT&T, wasn't going into smaller communities.\n\"Ma Bell was not providing adequate service to many rural communities so small independent phone companies like Central Scott Telephone were established to serve these underserved communities,\" said Jim Neyen, director of sales with CS Technologies.\n\"These small phone companies sprang up all over the country. In Iowa today, there are still about 120 independent phone companies with Central Scott Telephone being one of the larger ones.\"\nA lot has changed with Central Scott since it started. The company knew long ago that the times were changing.\n\"In 2002 we realized phone lines in the home were going to the wayside,\" Neyen said. \"We started putting in DSL service, so people still had phone lines, but we now provided internet. For us to grow, however, we knew we needed to get beyond the four little towns we were taking care of. So that is how we came up with CS Technologies — to serve businesses in larger markets.\"\nCentral Scott Telephone reached an interconnect agreement with Qwest, now CenturyLink, to lease its copper facilities in the ground and build into central offices in Davenport and Bettendorf, Iowa. This agreement allowed CS Technologies a way to provide competitive business phone and Internet services outside of the original service area.\nJust as Central Scott Telephone filled a void, so does CS Technologies.\n\"We began offering business phone and internet service to Davenport and Bettendorf, Iowa,\" Neyen said. \"Then in the fall of 2009, we used this same interconnect agreement to begin providing business phone and Internet services to Dubuque and Peosta, Iowa.\"\nIn 2015, it entered into an agreement with AT&T to provide business phone and Internet service to Moline and Rock Island, Ill. Then it purchased a phone company in Wisconsin.\n\"We bought Cuba City Belmont telephone company,\" Neyen said. \"We wanted to get some leverage from them as far as our using their service techs and office personnel. And it was a way for them to also grow their footprint. To grow they have to go outside their territory.\"\nAlthough CS Technologies provides phone and internet services to businesses, the technology is constantly evolving.\nFor example, the company offers analog phone service, but \"customers are moving away from traditional analog phone lines and going to SIP Trunk or VoIP — Voice over Internet Protocol. With this trend occurring, having a reliable Internet provider that offers QOS — Quality of Service for voice, combined with a robust fiber network, is critical to running a business.\n\"As far as the internet we can do fiber to the business or ethernet over copper capabilities where fiber is not available,\" Neyen said. \"This gives us a fiber-like product and we also do DSL. We have gigabyte e-transport for some local business or 8 mg or 5 meg.\"\nThere are many reasons businesses and organizations pick CS Technologies.\n\"Businesses choose us not only because of our robust data and voice services but because they appreciate our local easy-to-work-with customer service,\" Neyen said. \"You work with a local sales consultant that helps you evaluate your current services and then customize a solution based on the future business needs.\"\n\"Customers call a local number and talk to a local customer service representative if a trouble or billing question should arise. Unlike calling a national carrier whom the person on the other may not live or be familiar with your city.\"\nIt serves more than 500 businesses in the Dubuque area and 1,000 in the Quad Cities. Customers include city and county governments, school districts, health care providers, insurance agents and restaurants. All Dubuque schools use its phone system.\nAmong the many businesses they serve is Kanndo Professional Services.\n\"We like that they are local,\" said Tom Kann, owner. \"I try to buy local as much as I can, and they are just down the street. I can stop in if I have a problem. And if there is a problem, they are Johnny on the spot. They always take care of it right away. It's nice knowing who you're working with and can put a name to the face.\"\nAnother reason that businesses work with CS Technologies is the peace of mind. Most businesses can't afford to be without the internet.\n\"CS Technologies has a ringed fiber network and we have redundancy built into our network,\" Neyen said. \"For example, if a fiber cut happens, our fiber network will automatically redirect the traffic and move it to the alternate route with minimal to no interruption of customer service. This is a huge benefit for many businesses because they can't afford to have their phone and Internet down.\"\nIts service is an added layer of protection for some of the companies they work with.\n\"We are backup for many businesses for a monthly fee,\" said Neyen. \"You're basically paying for an insurance policy or a backup plan. They like the price of some of the bigger companies because of the lower price, but not the reliability. Over time we might become their primary connection if they decide they like the security.\"\nFiber has changed the efficiency of their service.\n\"The advantage of fiber is its capability to transmit larger pools of data, offers lower latency and isn't distance sensitive like copper,\" said Neyen. \"With copper loops, once you get so far from the main office you either need a booster or a remote to boost the signal strength. For this reason, CS Technologies has been adding miles and miles of fiber both in the Quad Cities and Dubuque to better serve their customers.\n\"Once you have that fiber backbone, you can start building to businesses. In Cuba City we put in a couple million dollars' worth of fiber in the homes up there.\"\nDubuque County is another customer that has benefited from the technology the company delivers.\n\"CS Technologies has been a good service provider to Dubuque County both technology wise and as a partner in helping solve our connectivity needs,\" said Nathan Gilmore, IT superintendent for the county. \"Specifically, their ETS, Ethernet Transport Service, allows us to use Layer2 connectivity to simplify our network design versus having to implement yet another Layer3 hop.\"\nAlthough they do a few homes in the area, it's not something the company actively pursues. It focuses on services to businesses.\nNeyen compares the company to a utility service.\n\"CS Technologies operates as a utility that provides business phone and Internet service to the customers and from that point forward the customer or a third-party IT provider sets up their internal cabling and wiring, firewalls, WiFi and etc.\n\"I relate this to how Alliant Energy as an electrical utility provides electricity to a customer structure and then all internal wiring and electrical drops the customer would contact an electrician for outlets and things.\"\n|You are subscribed to email updates from \"voip phone solutions,corporate phone systems,voip service plans,how voip call works,voice over ip telephone,telephone systems,what is voice over ip phone service,void phone\" - Google News. |\nTo stop receiving these emails, you may unsubscribe now.\n|Email delivery powered by Google|\n|Google, 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States|", "domain": "economics"}
+{"url": "https://therearview.org/the-fairness-of-the-income-tax-ought-to-be-reevaluated/", "date": "2024-04-12T17:52:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816045.47/warc/CC-MAIN-20240412163227-20240412193227-00890.warc.gz", "language_score": 0.9763125777244568, "token_count": 1213, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__15993000", "lang": "en", "text": "The issue of taxation is one that seems to be discussed quite often.\nWe talk about taxes during presidential elections or when a senate seat is up for grabs. We argue about taxes with our grandparents during Thanksgiving. We excitedly clamor for higher taxes to pay for governmental services so long as we ourselves do not have to pay them.\nTax the rich, tax the billionaires, tax the millionaires, tax the corporations, tax the oil companies, and tax the churches. The average American nowadays wants to tax anything and everything that has more money than they do. And yet, what you rarely hear talked about is the many different forms of taxation in America.\nIt is easy to assume that income taxes simply fall under the broader umbrella of taxation. This assumption, however, would ignore the particularly important delineations that must be made between the federal income tax and property taxes, sales taxes, capital gains taxes, and excise taxes.\nWe all, on some level, have experienced the income tax. All of us have heard our parents bemoan them when they come from work. We get a taste of the income tax when we get our first job, and that taste quickly turns sour as we pay them year after year for the rest of our lives – so long as we are earning taxable income. We even vote on income taxes indirectly when we choose political leaders, with each party offering a different stance on the issue of the income tax.\nSome favor higher income taxes while others desire lower ones. Some offer a progressive income tax bracket as a solution (taxing higher earning individuals a higher percentage of their earnings) to inequality while some favor a flat rate. And yet, what I find most interesting is that we talk about the income tax as if it is as old as American life itself – as if the income tax is some permanent feature of our lives that has always existed and will continue to exist for eternity. Well, the income tax has not always been around, and I hope that after reading this article you will understand why I hope it does not exist forever.\nThe real first instance of the income tax in America was during the Civil War when Lincoln realized the Union needed to raise funds to help pay for the war effort.\nAccording to the Libertarian think-tank, The Mises Institute: “In March , the Congress passed an income tax of 3% on annual incomes of $600 to $10,000 and 5% on incomes from $10,000 to $50,000…Lincoln signed the bill on July 1, 1862, to take effect a month later.”\nThe tax, however, was repealed following the conclusion of the war, and it was not until 1913 that the United States introduced the income tax in the form that we recognize today.\nAccording to the previous institute, the government chose to pass an income tax of one percent on incomes above $3,000 and applied surcharges between two percent and seven percent on income from $20,000 to $500,000. Tax rates would swing from as low as seven percent to as high as 94 percent over the following century, but never again would the working American citizen keep 100 percent of his or her earnings at their own discretion.\nThe income tax, with only the property tax as a possible exception, is the only tax that allows the federal government to directly take a percentage of an American citizen’s income. Following the Enlightenment Era school of thought that one’s property must be considered as part of that individual’s personhood, it is reasonable, if not necessary, to look at an individual’s income as part of their very being.\nTo take someone’s money without their consent should be seen in the same light as taking someone’s arm or leg without their consent. The founders of the United States understood this, and specifically wrote the Constitution to ban the direct taxing of the United States citizenry unless done so by the states. The 16th Amendment was passed with the express purpose of undermining this sacred protection and allowing the legal confiscation of private individuals’ wealth without their consent.\nWhat makes the income tax such an egregious breach of American freedom is that it negates the element of choice. If I wish to avoid a sales tax, I can refuse to purchase certain items or move to a state with a lower tax. If I wish to avoid certain property taxes, I can always move to another location. The same logic follows with an excise tax as no one is forcing me to buy – for example, cigarettes.\nWhen it comes to the income tax, however, there is no avoiding it. I am coerced every year to send a portion of my own personhood to the federal government or armed individuals will come to my home and seize me at gunpoint on charges of refusing to comply. A percentage of my very being works for the government for free every single year and there is no action that I can take to prevent this.\nSystems of forced labor in the United States have historically been exploitative, unjust, and unconstitutional, with many of us working even to this day to right these past wrongs. And yet, amidst all this injustice, the income tax was created and allowed to thrive, ensnaring each and every American in its grasp.\nThe most amazing part of it all is that, unlike other systems of forced, unpaid labor, many of us actually call out for more of this injustice. Many of us advocate for the increased confiscation of our own property, not less of it. We have been led to believe that this forced confiscation of our own personhood is benevolent, and that the more we allow the government to take, the more unselfish and caring we are towards others.\nWe have been convinced not only that coerced labor should be legal and accepted, but that we should actively vote for our own financial toil. The former is certainly scary, but I would argue the latter is what is truly terrifying.", "domain": "economics"}
+{"url": "https://www.handeebra.com/pages/terms-conditions", "date": "2018-04-24T20:34:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-17/segments/1524125947328.78/warc/CC-MAIN-20180424202213-20180424222213-00586.warc.gz", "language_score": 0.9140300154685974, "token_count": 210, "dump": "CC-MAIN-2018-17", "global_id": "webtext-fineweb__CC-MAIN-2018-17__0__56267896", "lang": "en", "text": "Terms & Conditions Handee Bra\nTerms and Conditions\n$5 from every Handee Bra sold is donated to the National Breast Cancer Foundation as we are a corporate supporter.\nTerms and Conditions: LAY-BUY\nCancellation of Lay-Buy by Buyer\nYou may cancel your Lay-Buy agreement at any time prior to us despatching your products and we will refund all monies to you, less an AUD $25 cancellation fee.\nWe do not charge you any interest, membership fee or service fee on any Lay-Buy sales transaction. Lay-Buy Financial Solutions Pty Ltd trading as www.lay-buys.com charges a once-off 0.9% of the total order value at checkout. You pay this amount to Lay-Buys at checkout at time of paying the down payment. This fee is an admin fee and is therefore not refundable.\nWe will dispatch your product/s immediately after we receive the final instalment payment for all Lay-Buy deals.", "domain": "economics"}
+{"url": "http://emilianogxkwp.aioblogs.com/11737898/make-money-from-home-in-qatar-fundamentals-explained", "date": "2019-01-18T12:37:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583660070.15/warc/CC-MAIN-20190118110804-20190118132804-00433.warc.gz", "language_score": 0.9436352252960205, "token_count": 1041, "dump": "CC-MAIN-2019-04", "global_id": "webtext-fineweb__CC-MAIN-2019-04__0__41187587", "lang": "en", "text": "The 5-Minute Rule for Make Money Online In Qatar\nSimilar to making money from online polls, GPT sites reward you in cash and coupons for completing various supplies or actions online.\nGot a bicycle, motorbike or automobile What about a Smartphone That's all you need to generate a little excess money by delivering food or people whenever you've got some spare time.\nSign up to delivery specialist companies like Deliveroo who are constantly on the hunt for new riders. They let you total flexibility to work when you want, delivering meals from restaurants into the customers' door. You can make up to 16 an hour.\nThe Best Strategy To Use For Make Money Online In Qatar\nDouble-up your opportunities by immediately contacting local takeaways and larger chains like Dominos to determine if they have any delivery jobs going.\nIf students are good at anything, it's researching and writing. Together with the Amazon Kindle store, anyone can publish an eBook and make money.\nAnd the Kindle program is now available on almost any device (notebooks, iPads, smartphones and yes, Kindles) so your worldwide marketplace is huge!\nMake Money Online In Qatar - Truths\nList your book for 1.49 - 6.99 and you earn 70% of the purchase. Considering Amazon is your greatest selling machine (and remember folks are looking to spend), that is a fantastic thing.\nThe trick to success with eBooks is to produce value, and compose non-fiction. Simply bundling information you've researched and compiled on a common problem (eg. 'secrets' to finding a project ) and then presenting it in an easy to digest format (an eBook) warrants someone spending a few quid on it. .\nMake Money From Home In Qatar - An Overview\nAnother big tip is to have a fantastic cover designed (navigate these) so that it stands out, and once your publication is live on the Kindle store it's really important to get some reviews so that it shows up high in results. Encourage visitors to leave an honest review at the end of your book. .\nThe very best thing about this lucrative idea is that once you've invested time (say 20 hours), you are going to earn a passive income for years to come! For a step-by-step guide go to website to publishing and earning with eBooks, see\"How to write a nonfiction eBook in 21 days\".\nFacts About Make Money Online In Qatar Uncovered\nIf you've got a fantastic presence on social networking or important site perhaps you even have a blog or site, you can start bringing in money instantly by promoting all kinds of companies, goods, services and supplies online.\nSign up as a publisher on the Awin network, check their offers blog or surf the merchant listings to find something you think your friends would be interested in, grab your affiliate link and discuss it. If someone buys (can be within around 90 times ) using your link you will make a nice commission. .\nTo take it a step farther, establish a website (read our guide) or a topical Facebook webpage and invite your friends to join it and post your own affiliate offers on there.\nFascination About Make Money Online In Qatar\nYou can earn good money and help the environment by recycling your old cell phones and other unused devices. Perhaps ask your parents if they have any lying around also.\nHead to our page on making money from old phones for the best companies to use and how to ensure you get all the cash quoted to you online.\nMake Money Online In Qatar - Questions\nThe Clickworker.com concept is based on'internet crowd-sourcing' where businesses advertise specific, scalable activities they need you can find out more completing quickly. And for us, it's an effortless way to make fast cash from our sofa.\nThere are an assortment of jobs, but most commonly they involve mindless data entry, internet research or form filling. You're rewarded and compensated in money (through Paypal) for the job you do, and you can choose for what and when you work. Give it a try. If you are US based, also try Amazon's'Mechanical Turk'. .\nSome Known Incorrect Statements About Make Money Online In Qatar\nMany students work part-time or during the summer months, and others will be on placements or paid internships. More often than not, if you're a student working during this calendar year, you will be overpaying income tax.\nWhy Just because few students reach the personal tax-free income allowance each year but are placed on an emergency basic tax-code by their companies meaning taxation is being paid when it shouldn't be.\nTo learn more and calculate how much taxation back you might be due, see our guide on student taxation refunds.\nThe Ultimate Guide To Make Money Online In Qatar\nThis is not only a means to make money but also to save money as a student. When you look at it in a different way then you're making money with every purchase you would have made anyway, whether it be 10 percent or 0.5% cashback.", "domain": "economics"}
+{"url": "http://headpastor7cleo.blog5.net/13608107/realty-buying-tips-you-had-to-check-out", "date": "2019-01-18T09:42:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583660020.5/warc/CC-MAIN-20190118090507-20190118112507-00633.warc.gz", "language_score": 0.9687099456787109, "token_count": 1180, "dump": "CC-MAIN-2019-04", "global_id": "webtext-fineweb__CC-MAIN-2019-04__0__121351651", "lang": "en", "text": "Who says that buying real estate is easy? There are need to sell my house fast tips to consider that you have to be ready to get down and dirty and really do the work it takes to find the right property. Using this guide, however, could get you to the right start in your search.\nIn evaluating the value of a piece of residential property, you should be cautious about nearby commercial or industrial properties. Keep in mind that while such properties might be inoffensive (or even vacant) at the moment you look at a nearby house, the future holds no guarantees. You should factor in the possibility that an undesirable, unpleasant or even dangerous business might move in at a later date.\nAn auction on a home that is being foreclosed can seem like a great way to get a good price. Keep in mind that there may be hidden liens or back taxes on the property that you will have to pay if you win it. Also, you can get sucked into the competition of winning, and end up going over your budget.\nConsider buying that vacation home you've always wanted during a slump in the real estate market. Some of the lowest property prices in the country during a slump are in destination markets. Interest rates may also be lower for buyers in those markets, in an attempt to entice new buyers into the area.\nThe value of residential real estate is influenced by educational opportunities - that is, the kind of schools near a house will affect that house's price. Schools of any sort in close proximity are a plus, but the condition and reputation of the schools are also factors. Schools that parents love will boost a nearby house's value more than schools that parents consider troubled.\nYour decision to make an offer on a house should be based on a lot of factors. One of them is the Home Owner Association (HOA) fees. In some cases this is an insignificant amount, but sometimes the amount reaches the several hundred dollars level. You need to read all the disclosures your real estate agent gives you, and make sure you can still afford the monthly payment on your new home.\nYou should factor in living costs before you make the decision to purchase a home. For example, a home in upstate New York will require more in heating costs than a home in Arizona. Alternatively, water will cost more in Arizona than in Mississippi. Decide what's click this link here now to you, and factor it in.\nWhen buying a home, don't let your eyes become bigger than your wallet. Although your dream home might be extremely appealing, taking massive loans and trying to manage rapidly changing mortgages rates with your monthly incomes can turn into a nightmare. Be we buy properties in any condition and buy a house you can actually afford.\nIf you find a home to purchase and you've made an offer that has been accepted, do yourself a favor, and stop looking at homes on the market. Inevitably there may be something that comes along which will make you second guess your decision. Trust yourself enough that you are making the right decision and don't torture yourself with comparisons.\nBe patient when buying a home. Don't rush into the process with an agenda of when you need to close by. Having an open time line will allow you to really make sure you are getting the best possible deal, and getting a great home that you will be happy with for a long time.\nIf you are going to purchase a home, you should read up on closing costs. These costs will vary depending where you live. You should discuss these fees with your lender, agent or the company handling the settlement so you understand specifically what these fees are for and who will pay them.\nWhen you get into the real estate market do not be seduced by the posh appeal of gated communities. These neighborhoods with their own private security measures offer homeowners a sense of security that might seem worth paying for. Be aware that the security benefits of gated communities are marginal at best, and over time crime rates in such neighborhoods tend to match those in surrounding areas.\nIf you have ever lost a home to foreclosure it may be a little harder to get another home, but it is not impossible. Most mortgage guarantors will back another loan for you after three years if you lost your home due to something that was out of your control.\nAs you get ready to buy a home, consider how your finances will change over time. For example, if you plan to add on to your family, you will have more bills to contend with in just a few years. Crunch the numbers and make sure that you can afford any home you buy, even if your monthly expenses grow.\nIf you are buying a home for the first time, don't try to do it alone. The process is extremely complex and especially confusing for someone who lacks knowledge of the real estate market and closing process. Enlist the assistance of a lender, insurer, lawyer, and even an inspector.\nAlways make sure to stay in touch with your realtor so that you're aware of any last-minute changes in the plans. Staying in touch allows you to easily finalize the details. The quicker you get these things over with, the sooner you can move into your new property and start enjoying it.\nWhen you buy a property and start investing in it, do not forget that you will want to sell it someday. Do not make changes to the structure that cannot be easily reversed. There is not much worse than spending big money on renovations that do not bring valuable returns.\nIn conclusion, it is important to become educated about house buying, whether you have already begun the process or not yet started. The above article gave you important information that could help you find the perfect home for you and your family. After all, being educated in the house buying market is a plus!", "domain": "economics"}
+{"url": "https://primepennies.com/entertainment/house-lawmakers-propose-changes-to-improve-medicare-part-d/", "date": "2020-03-29T21:52:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370496227.25/warc/CC-MAIN-20200329201741-20200329231741-00427.warc.gz", "language_score": 0.948816180229187, "token_count": 331, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__105344017", "lang": "en", "text": "UPDATED 9:40 AM PT — Wednesday, June 26, 2019\nHouse lawmakers from both sides of the aisle are working to improve Medicare Part D amid the rising cost of prescription medication.\nRepresentatives Doris Matsui and Brett Guthrie reportedly hashed out ideas during an event Tuesday. While Democrats like Matsui favor expanding the federal government’s power to bring down prices, Republican lawmakers are looking to enable competition.\nDespite their differences, GOP Representative Guthrie said he is optimistic about the bipartisan effort and offered suggestions to reduce costs for Americans. He said he hopes to hammer out a deal to be signed by the president by fall.\nThis comes as President Trump moves to cut the increasing costs of health care and bring transparency to the health care system. Earlier this week, the president signed an executive order requiring hospitals and insurance providers to make prices public as well as provide estimates for out-of-pocket costs.\n“We’re making new affordable health options available to millions of American workers through the association health plans, short-term plans, and health reimbursement arrangements,”stated President Trump. “We’re working with Congress to stop surprise medical billing…because no American should be blindsided by bills for medical service they never agreed to in advance. ”\nPrices have not been readily available to consumers, and list prices often vary between hospitals and insurance providers even within the same region.\nProponents of the measure say the greater transparency will allow patients to shop around, which could drive competition and lower prices in the long run.\nOriginal Source -> House lawmakers propose changes to improve Medicare Part D", "domain": "economics"}
+{"url": "http://www.easycargo3d.com/pricing/?partnerCode=956204", "date": "2018-09-25T12:39:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-39/segments/1537267161638.66/warc/CC-MAIN-20180925123211-20180925143611-00337.warc.gz", "language_score": 0.9096914529800415, "token_count": 439, "dump": "CC-MAIN-2018-39", "global_id": "webtext-fineweb__CC-MAIN-2018-39__0__12665230", "lang": "en", "text": "EasyCargo runs online right in your web browser. Get a free 10-day trial of the full version. After the free trial period, we are happy to offer you a license that best fits your needs.\nHow to order a full license?\n- Sign into EasyCargo and on a Licenses tab click a button at the bottom for a page Order more Tickets and Licenses\n- Use our contact form\n- Send an e-mail to: email@example.com\nWe will activate your full license immediately and send you a payment confirmation with an invoice.\nThe payment is processed via PayPal or PayU secured webpage with an option to pay by credit card.\nWhat does one EasyCargo license include?\nAccess to fully functional version for a subscribed period:\n- One license can be shared with other users within your company, as long as only one user is signed in at the same time.\n- Process and save unlimited number of calculations and reports.\nApplication updates and fixes on regular bases.\nTechnical support is provided via email or our contact form.\nWhy is EasyCargo worth the money?\n- EasyCargo saves time: Let’s assume that your employees will save 30 minutes when using EasyCargo for planning and stacking loads into cargo space. Say that an average cost per employee is 10 EUR per hour. Your license cost is therefore paid back after only 8 load plans a month. From that point, every load planned with EasyCargo literally saves you additional 5 EUR.\n- EasyCargo saves space: When transporting goods from Paris to Barcelona, price for one fully loaded truck might be 1 000 EUR or more. If EasyCargo saves you 5% of the truck space, the costs for a month license are instantly paid back. Every other shipment planned with EasyCargo saves you extra money.\nEasyCargo price is comparable to the price of unlimited one or two cell phone subscriptions. You can think of it as having another company phone, but with much higher added value!\nExplore Container Load Plan interactive example on how you and your customers or vendors can view your shipment plan.", "domain": "economics"}
+{"url": "https://www.coincompare.co.uk/dealers/gerrards-bullion", "date": "2023-12-11T18:38:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679516047.98/warc/CC-MAIN-20231211174901-20231211204901-00679.warc.gz", "language_score": 0.833778977394104, "token_count": 104, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__124113249", "lang": "en", "text": "Telephone Opening Hours:\nMonday - Friday, 9am - 4pm\nGerrards (Precious Metals) Ltd\n63-66 Hatton Garden\nGerards has been providing precious metal services for over 50 years. Our London office provides secure insured storage and collection of your bullion, you can also buy gold and silver bullion directly on our website or sell scrap precious metals to us with same day payment options.\nYou can find more information about the other dealers we compare on our dealers page.", "domain": "economics"}
+{"url": "https://thaum.io/work/clickedin.html", "date": "2021-06-14T16:02:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487612537.23/warc/CC-MAIN-20210614135913-20210614165913-00443.warc.gz", "language_score": 0.9687669277191162, "token_count": 179, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__54928576", "lang": "en", "text": "With increasing fuel prices and the imminent need to reduce our carbon footprint, the practical benefits of carpooling are clear. However, the biggest obstacle to user engagement is the difficulty to foster trust between passengers.\nWe realised that since the most common carpooling opportunity is to-and-from the workplace, we could use the trust in professional relationships to make carpooling attractive to users.\nClickedIn (formerly OfficePool) connects commuters belonging to companies sharing the same office block. New users are verified by their employer and connected to other nearby workers. Employees are incentivised to participate both because of cost-savings and networking opportunities; Employers are incentivised to participate since their support of the platform can be used to meet sustainability KPIs.\nThrough ClickedIn, we will build a carpooling economy around the workplace, delivering financial and professional benefits to both employees and employers.", "domain": "economics"}
+{"url": "https://www.chairmanturnersball.org/the-cause", "date": "2020-04-02T19:46:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370507738.45/warc/CC-MAIN-20200402173940-20200402203940-00288.warc.gz", "language_score": 0.9624953866004944, "token_count": 266, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__205394193", "lang": "en", "text": "Kathy Hood is the founder and CEO of Marvelous Light Empowerment Association (MLEA), a non-profit organization dedicated to changing the lives of families and individuals by providing the tools and resources necessary to grow and develop physically, mentally, spiritually and financially through a myriad of services, forums, training and workshops. Kathy’s hard work, expertise and experience has propelled MLEA to become one of an elite few non-profit organizations responsible for the recent expansion of South Fulton’s economic footprint.\nUnder the umbrella of MLEA, Kathy has established a number of outstanding programs; among them is Woman University.\nWoman University was created to provide services, educational opportunities and resources to equip women to become community leaders and business owners through a creative, supportive global network. Kathy has partnered with a number of companies and organizations like the South Fulton Chamber of Commerce, Atlanta Technical College, the Collaborative Firm, BB&T Bank, Regions Bank and most recently, PowerMyLearning and Google, to assist in the provision of services and resources needed to accomplish the program’s mission. Since its inception, Woman University has produced several new female business owners throughout the Atlanta metro area.\nShe is devoted and committed to empowering and developing women, business owners and leaders in her community and throughout the country.", "domain": "economics"}
+{"url": "https://lovo.ai/post/tts-market-update-april-2021", "date": "2023-10-02T11:34:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510994.61/warc/CC-MAIN-20231002100910-20231002130910-00595.warc.gz", "language_score": 0.9376119375228882, "token_count": 775, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__97741641", "lang": "en", "text": "The increasing demand for automation and consumer convenience is at the forefront of the growth of the TTS (Text to Speech) market. According to the latest reports from Emergen Research, the global TTS market is expected to grow from USD 2.0 billion to USD 7.06 billion by 2028, at a steady CAGR of 14.7%, while the overall Speech and Voice Recognition Market is expected to reach USD 31.82 billion by 2025, at a CAGR of 17.2%. This market growth can be attributed to the leaps in innovation in neural networking and custom voice cloning in recent years. With the latest announcement of Open AI’s GPT 3 language prediction model, these advancements are bound to continue.\nWhile large enterprise accounts are the leading adopters of TTS services as of now, SMEs are expected to grow their purchasing interest in TTS substantially during the forecast period (2020 ~ 2027), primarily driven by the increasing awareness of the cost-efficiency of adopting TTS with existing CRM tools. These adoptions can come in the form of Intelligent Virtual Assistants (IVA), interactive chatbots, and branded custom voices.\nWhile SME usage grows, the TTS market for the healthcare vertical is predicted to grow with the highest component CAGR, as personalized healthcare applications for an increasing elderly and visually impaired population require high-quality voice notifications.\nAccording to the Brouton Lab, there has been a substantive spike in demand for TTS with the rise of COVID, as the technology allows for rapid publishing of explainer videos and audio manuals, crucial to persuade active engagement from patients and increase awareness of health guidelines, especially for audiences with visual disabilities and language constraints.\nIn fact, LOVO recently partnered with Stanford MedIC to accelerate their content production process by allowing them to easily localize education videos around COVID.\nWith the global transition from physical classrooms to virtual ones, the TTS industry has seen a wave of support from government education funds. For example, through the Individuals with Disabilities Act, the US Department of Education annually grants USD 10,000 ~ 20,000 to each student with a disability, in coordination with service packages including adoption of accessibility technology, and TTS-powered media services and curriculums.\nSeveral Learning Management Systems (LMS), textbook publishers, and MOOCs are also leveraging TTS by applying it to their services, providing a more audio-interactive blended learning experience for students.\nEmergence of APAC\nIn Asian markets such as India, China, Australia, Japan, South Korea, Indonesia, and Singapore, TTS services have been able to penetrate the consumer sector, with wide adoption of voice-activated technology in daily life. But while AI-enabled TTS has been deployed in public airports and ATMs, the surge can also be witnessed in the private sector, especially in the form of cloud-based TTS solutions. The scalability and applicability of these cloud applications has grown interest in APAC-based SaaS enterprises, with companies integrating branded AI Voices into their products to build personalized user experiences.\nThe TTS industry may be packed, but Genny differentiates itself with its user-friendly platform and industry-leading HD synthesis technology. It not only includes over 400 voices in 100 languages for content creators to choose from, it also allows users to easily integrate TTS with their APIs, and build natural-sounding clones of their voice with just 5 minutes of recording data.\nNot sure how to use Genny or AI voiceover tools yet? Check out these blogs!\n– A Guide to Using AI Tools in Your Content Creation Flow\n– How to Create a Professional Voiceover in 5 Minutes", "domain": "economics"}
+{"url": "https://chiccodes.com/coupon/kiwitaxi/", "date": "2024-03-01T21:54:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475701.61/warc/CC-MAIN-20240301193300-20240301223300-00829.warc.gz", "language_score": 0.912316620349884, "token_count": 656, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__137106679", "lang": "en", "text": "Table of Contents\nKiwitaxi – Your Path to Affordable and Convenient Travel\nIn an era where smart spending is paramount, finding ways to make your travel both affordable and seamless is a discerning choice. Kiwitaxi, a distinguished player in the realm of airport transfers and ground transportation, is your trusted partner in achieving just that. By utilizing Kiwitaxi’s services, you not only secure reliable and punctual transfers but also open the door to significant cost savings on your journeys.\nThe Kiwitaxi Advantage\nKiwitaxi is a global platform that connects travelers with reliable local transportation providers. It offers a range of transfer options, including private cars, shared shuttles, and more, all designed to ensure a smooth transition from the airport to your destination.\n1. Cost-Effective: Kiwitaxi is often more budget-friendly than traditional taxi services, offering competitive and fixed rates for your transfers.\n2. Reliable Service: With a network of trusted local providers, Kiwitaxi ensures your journey is safe and punctual.\n3. Ease of Booking: The booking process is straightforward, with a user-friendly website and mobile app, making it easy to reserve your transportation in advance.\n4. Wide Coverage: Kiwitaxi operates in numerous cities worldwide, providing reliable transfers at your chosen location.\nHow to Save Money with Kiwitaxi\n- Early Booking: Plan your transfers in advance. Kiwitaxi often offers discounts for early reservations. By booking ahead, you secure your transportation at a reduced rate.\n- Use Promo Codes: Keep an eye out for Kiwitaxi promo codes. These codes can be found on their website, in newsletters, or through online searches. Applying a promo code during the booking process can unlock additional savings.\n- Group Bookings: If you’re traveling with a group, consider booking a shared shuttle. Sharing the ride with others can significantly lower your costs.\n- Round-Trip Transfers: When booking a round-trip transfer with Kiwitaxi, you can often enjoy a more favorable rate compared to booking one-way transfers separately.\nThe Kiwitaxi Experience\nTravelers who have experienced Kiwitaxi’s services often appreciate not only the cost savings but also the overall convenience. The reliability and punctuality of Kiwitaxi drivers make for stress-free journeys, ensuring you reach your destination comfortably and on time.\nKiwitaxi is more than just a transportation service; it’s your key to saving money while traveling. With competitive rates, early booking discounts, and the potential for extra savings through promo codes, Kiwitaxi provides a cost-effective solution to your transfer needs.\nBy opting for Kiwitaxi, you can enjoy a hassle-free travel experience without worrying about unexpected costs or unreliable transportation. It’s time to travel with confidence and financial peace of mind. Whether you’re exploring a new city or returning home, Kiwitaxi is your road to affordable and convenient travel.\nBook your airport transfer with Kiwitaxi today and experience the difference!", "domain": "economics"}
+{"url": "http://metrobrewing.blogspot.com/2007/12/larry-bell-distribution-and-chicagoland.html", "date": "2018-06-24T04:51:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267866358.52/warc/CC-MAIN-20180624044127-20180624064127-00040.warc.gz", "language_score": 0.9779984354972839, "token_count": 1071, "dump": "CC-MAIN-2018-26", "global_id": "webtext-fineweb__CC-MAIN-2018-26__0__132324689", "lang": "en", "text": "The Chicagoland craft beer community is buzzing... so to speak. We are once again able to purchase pints of Larry Bell's beer in several locations in the city and the 'burbs. To catch you up, Kalamazoo Brewing pulled out of our market due to a dispute with their IL distributor, National Wine and Spirits. Debate and rumors have been flying to and fro since.\nWhy do beer manufacturers need to use distributors?\nThis is due to the mandated three-tier system in IL. From Nicholas Day's article linked above, \"The system, which stipulates that all alcohol has to pass through a middleman, was established to ensure that producers couldn’t run bars and limit consumer choice by exclusively serving their own drinks, a situation known as a “tied house.” Keep in mind that this is a good thing. This has kept us from being limited to haunting \"Miller bars\" and \"Budweiser bars.\"\nWhy did Kalamazoo Brewing pull out of the IL market?\nThe problem Larry Bell ran into is described in Day's article: \"... according to state law, NWS was entitled to sell Bell’s distribution rights to another wholesaler without his approval, and a few months ago it decided to do just that, in a deal with Chicago Beverage Systems— the Miller distributor in Chicago.\" It just so happens that CBS has been sited by folks in the local craft beer industry as a distributor that doesn't exactly have what it takes to sell craft beer. Larry Bell started his brewery with $200, boatloads of luck, and endless hours of hard work. For what? To be sold to a distributor without his input? What if he didn't want to work with CBS? Well, he had (as far as we know) 2 options: work with CBS or pull out of the market.\nOkay, so screw CBS. Why didn't Larry Bell just make a deal with a different distributor?\nAgreements between distributors and beer manufacturers are very difficult to terminate. This is due to franchise laws and the Beer Industry Fair Dealing Act, which was written to protect distributors from being financially ruined by large breweries. Say a distributor busts their hump to get beer out there and promote for a brewery; the brewery succeeds famously as a result; and then the brewery dumps the distributor for a different one. That type of protection seems logical enough, but the incident with Kalamazoo Brewing has highlighted a bias in the franchise laws: they apply to the relationships between small distributors and large breweries. Smaller craft breweries don't have the financial clout to bring down a distributor, but the laws apply to us anyway.\nDistribution sucks... right?\nNo. Getting into the craft beer industry takes a lot of work and planning. Add to that the stresses of putting together and managing a fleet of trucks - tickets, towing, accidents, CDLs, maintenance, etc.?!? No thanks. We got into the industry to make beer. That's enough to think about. Even if we were in a state that didn't mandate the three-tier system (coughWisconsincough), we would still make deals with distributors based on our business model. That, or we'd get a friend to start a distribution company. Anyone interested?\nLarry Bell was quoted in the articles above: \"Normally when you go see a distributor, they say, ‘We’ve gone out and tried the beers and we’re very excited about selling Oberon.’ Unfortunately, I got into a relationship with a wholesaler that didn't have our best interest at heart.\" And that's the key, folks. Distribution agreements can be profitable for everyone involved, provided the deal you make is fair. The best bet is to get into agreements with distributors who know how to handle craft beer and who are willing to work collaboratively with manufacturers.\nOkay, blah blah. Distribution agreements are complicated. The most important thing is that we can now enjoy Larry Bell's beer at some locations in Chicagoland again. How?\nA new company exists: Bells Brewery Incorporated. This company is entering the market with a new brand called Kalamazoo. The first beer available from this company is Royal Amber Ale. We haven't tried it yet, but some well-beerducated folks we know went out this week to taste it. Apparently, they loved the beer so much that they had to skip their reasonable dinner plans for late-night burritos. This, as you know, is a very good sign.\nWe at Metro Brewing are thrilled to have Larry Bell back in our market. No, really. We mean this. The more craft beer available, the more people are going to drink it. Craft beer drinkers like choice and variety, so why not have lots of both available to us? Sure, we might have to fight for taps that Kalamazoo Royal Amber Ale now occupies, but you know, that fight would exist either way. And really, we love Larry Bell's beer. Having a few local taps will save us lots of gas money and time since we won't have to make as many border beer-runs. Now, if we could just get New Glarus down here again...", "domain": "economics"}
+{"url": "http://harvardvc.com/", "date": "2024-04-13T12:48:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816734.69/warc/CC-MAIN-20240413114018-20240413144018-00146.warc.gz", "language_score": 0.8710652589797974, "token_count": 202, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__18860381", "lang": "en", "text": "Venture Capital Club for Innovative Minds at Harvard University\nHere at the Harvard VC Club, we go deep into the world of venture capital and startups with untapped potential and groundbreaking ideas. Our student club provides an unparalleled platform where future leaders and investors can connect, collaborate, and convert concepts into tangible realities. The Harvard VC Club is more than an organization; it’s a movement. Whether you’re an entrepreneur, an aspiring venture capitalist, or you’re just interested in dabbling in the VC asset class, the Harvard VC Club is your launchpad and a community that’s not only witnessing the future of venture capital but actively shaping it. Let’s redefine what’s possible together. Are you a Harvard University student who is passionate about venture capital and startups? We invite you to join us on this exciting journey. Apply to become a member of the Harvard VC Club today, and let’s innovate and grow together.", "domain": "economics"}
+{"url": "https://www.domainshop.com/why-buy-domains", "date": "2024-04-15T15:59:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817002.2/warc/CC-MAIN-20240415142720-20240415172720-00444.warc.gz", "language_score": 0.9509696960449219, "token_count": 384, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__44797682", "lang": "en", "text": "We've sold many domains each year since 1999.\nThe right domain name can take your business to the next level.\nIf you have a business or plan to start one on the internet, Then domain names are important.\nThat's why many people buy valuable domains from DomainShop.com\nThe domain name market and domain name portfolios is exploding. Why For several fundamental reasons:\nTen to fifteen percent of all search traffic is generated by direct navigation: people speculatively typing domain names directly into a browser's address bar, expecting to find relevant content. This \"primary traffic\" is highly targeted and offers the highest conversion rates. Smart businesses buy as many relevant domain names as possible to help lead searchers to their site, rather than paying (again and again) for every click to search engines.\nMarketers can increase traffic to websites by linking a web of complementary domains and product-specific microsites to their main business. Selecting domains that are descriptive of individual products, services and connecting them to an appropriate landing page within a site can effectively accelerate purchase activity and help better target (or replace) search advertising dollars.\nAnother key driver of interest in domain names is the need by companies of all sizes to effectively develop and protect their online brand. As a company's investment and reliance on online marketing increases it becomes ever more important to control all of the ways by which customers and partners find those web properties. Smart companies not only buy their core brand name in each major TLD (e.g. com, net, org, etc.) but each of the typos and close variations of their brand names\nDomain names are the \"real estate\" of the Internet, and as such, are steadily increasing in value as the most desirable locations become more scarce. As the strategic importance of an online presence rises for business the world over, the price for a good domain will continue to rise in kind.", "domain": "economics"}
+{"url": "https://blog.openfarm.cc/2015/03/09/openfarm-inc-a-california-non-profit-public-benefit-corporation/", "date": "2023-03-29T16:43:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296949009.11/warc/CC-MAIN-20230329151629-20230329181629-00079.warc.gz", "language_score": 0.9500590562820435, "token_count": 1012, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__257995541", "lang": "en", "text": "We’re proud to say that OpenFarm is officially incorporated as a California Non-Profit Public Benefit Corporation! Read on to see why we chose this legal entity.\nFirst off, why have a legal entity at all? The answer is for several reasons:\n- To separate and protect OpenFarm’s finances from our staff’s personal finances\n- Because we offer a service and because we collect and store user information, we have liability. This means we need legal protection and insurance, of which a legal entity gives a framework for protecting our staff, our users, and the organization\n- To hire and pay our staff members and pay any taxes due on revenues or other activities\n- To enable us to partner with other organizations and individuals in a more formal way\n- To allow the organization to be perpetuated if/when the founding team members move on\n- To protect the organization from internal conflicts and interests especially related to ownership, intellectual property, and revenues\n- To formalize the organization’s purpose in a legally binding way\n- To ensure that any assets and capital the organization owns is in good trust to be used for the intended purpose of the organization\nOf the legal entity options available, we considered the ones below and had the following thoughts about each. We ultimately chose the non-profit public benefit corporation based on our analysis of the options and our goals and intentions for the organization.\n- Co-op – The co-op model is fantastic for many organizations with social, environmental, and public benefit intentions. It seems to work best for well defined, small to medium sized groups of people: either people of a specific geographic region, or of a specific industry and who have very specific goals in mind. The co-op model doesn’t seem like it would scale easily to a global membership, or be suitable for a new organization like OpenFarm that is still setting its roots and figuring out what exactly it will be growing into. However, we do think that OpenFarm will function a lot like a co-op because of our values of transparency, inclusivitiy, and our purpose being to serve our users rather than to make profits.\n- Traditional for-profit C-Corp or S-Corp – This just doesn’t fit with our ethos. OpenFarm is not here to make profit for founders or shareholders. We’re here to fill a need, to build community, to promote an open future, and to provide value in an efficient manner – not extract it. Though we think that business is a strong force for social change, we believe that money as a motivator is not a prerequisite for doing business. We view money as a means to an end. Not an end in itself.\n- B-Corp or Benefit Corp – This type of entity is essentially a traditional for-profit entity with the added ability to legally have social and environmental goals in addition to profit goals. Many forward thinking socially minded for-profit companies are switching to this entity, though it isn’t quite right for OpenFarm because we don’t see the need for money to be one of our goals at all, or for there to be shareholders of OpenFarm.\n- Traditional non-profit public benefit corporation – The traditional non-profit model allows us to place our values and goals first and foremost. It removes money and profit from being an end goal, and ensures our Vision is the true end goal. Being a non-profit allows us to pursue many grant funding opportunities that can allow us to scale and grow in ways that would not normally be financially sustainable or feasible. Furthermore, many other organizations and individuals desire to work with, volunteer for, and donate to non-profits for tax benefit purposes and the added security that the organization is Mission/Vision driven and will use its resources for those purposes, not for profit. Last, as a non-profit, we have the opportunity to become 501(c)3 tax exempt, which means we don’t have to pay many taxes because we are doing a social and public good.\n2 thoughts on “OpenFarm Inc – A California Non-Profit Public Benefit Corporation”\nI am so glad to see the donation I gave to get this site started is going non-profit. As a teacher for 21 years I have shared my knowledge with kids who just soaked it up and shared with their classmates and friends, and I feel that this is the kind of country in which I want to live – one where money does not wield power and knowledge is shared by all.\nI share the sentiments of Mr. Deroche, Jr. Thank you for acting to preserve the efforts from the designers and supporters by creating a non-profit public benefit corporation. I am especially pleased that this will help continue the OpenFarm even if the founders are ready to move on or are unable to continue to lead. Well Done!\nSincerely, a Kickstarter supporter, Fern", "domain": "economics"}
+{"url": "http://redlinefreightsystems.com/about/", "date": "2020-05-27T08:01:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347392142.20/warc/CC-MAIN-20200527075559-20200527105559-00249.warc.gz", "language_score": 0.9521589875221252, "token_count": 513, "dump": "CC-MAIN-2020-24", "global_id": "webtext-fineweb__CC-MAIN-2020-24__0__81524852", "lang": "en", "text": "Red Line Freight Systems is a Northeast Regional Volume LTL/Truckload and Distribution Carrier headquartered in Randolph, MA. Red Line Freight Systems offers shippers same day and next day service to all points throughout the Northeast. Our vision is to be the best Volume LTL/Truckload Distribution carrier in New England. Our goal is to operate in a manner that sets the highest standards of quality and efficiency in the transportation business. The mission of Red Line Freight Systems, Inc. is to be the recognized leader in providing high-quality, cost-effective, regional Volume/LTL Truckload and Distribution transportation services. We will accomplish our mission through educating, training and empowering our employees who are dedicated to continuous improvements. Our ultimate measure of success will come from customer loyalty and partnerships. The services provided by Red Line Freight Systems, Inc. are the end result of our efforts and are designed to meet or exceed our customers' needs and expectations. We value every customers business. We act seamlessly as a supply chain provider, adjusting to our customer’s requirements quickly and efficiently. We are a local family owned business, providing transportation services for the past 20 years In this day and age, transportation solutions in most companies have moved from back office challenges of doing business to complex, costly, ever changing operations. Cost control, safety, driver capacity, service levels, compliance and just keeping up with the changing marketplace are becoming critical to the success of any business. How can your business become equipped to handle all the facets of these challenges and actually move forward?\nRed Line Dedicated Services specializes in providing customized dedicated contract carriage solutions for any type of fleet. With a Red Line Dedicated fleet, you have the comfort of knowing all aspects of your transportation needs are being managed so that you can concentrate on essential core business matters.\nTransportation costs continue to rise and the complexities of fleet ownership can be overwhelming. Our understanding of fleet management offers you a distinct competitive advantage. We work with customers of all sizes, and we offer solutions that will ensure you contain and control transportation costs while continuously improving service to your clients.\nRed Line is a family owned and operated Business servicing New England Eastern NY and Northern NJ. We pride ourselves on Commitment, Integrity and Results. Red Line always put our customers first and make sure our drivers give the best Pickup and Delivery Experience in the Industry. Dedicated to our on time and result based service, we always deliver on our promise. Our Family has over 65 years of Experience in the world of Logistics.", "domain": "economics"}
+{"url": "https://www.microsys-tech.com/2020/03/06/most-useful-bad-credit-loans-for-2020/", "date": "2021-10-19T05:13:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585242.44/warc/CC-MAIN-20211019043325-20211019073325-00365.warc.gz", "language_score": 0.9571098685264587, "token_count": 1875, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__234418149", "lang": "en", "text": "Minimal credit causes it to be difficult to get a company loan from the conventional bank, many online loan providers provide alternate loans for bad credit. These loan providers look away from credit rating and start thinking about other facets, such as for instance just how long you’ve experienced company along with your yearly income, whenever gauging your creditworthiness.\nNo matter your credit rating, you nevertheless would you like to check around for low interest and versatile payment terms before investing a bad credit company loan. But despair that is don’t simply because your own personal credit history is significantly less than stellar does not suggest your online business has got to suffer.\nThe easy Dollar’s Picks for Best Loans for Bad Credit\n- Perfect for New Businesses: OnDeck\n- Perfect for Organizations with Great On The Web Ratings: Funding Circle\n- Perfect for Established Organizations: Fundation\n- Best for Seasonal Companies: Dealstruck\n- Perfect for Organizations with Outstanding Invoices: BlueVine\n- Best for Companies with Constant Charge Card Receipts: Capify\nJust the right lender for you personally is determined by your online business and what sort of financing you’ll need — whether it is a basic term loan, a personal credit line, or an advance on outstanding invoices. Read on to learn more about our top picks.\nPerfect for New Organizations: OnDeck\n- Borrowing Limitations: $5,000-$500,000\n- APR: Starting at 9.99per cent for very long term loans; 9% for short term installment loans\n- Credit demands: 600+ credit rating; at the least 12 months running a business; $100,000 yearly income\nWhom it is best for: OnDeck is really a good selection for business people who don’t have great credit, but have actually the way to repay that loan quickly.\nOnDeck offers fixed term loans with daily or repayment that is weekly. Perhaps you understand your online business can certainly make cash within the next month or two, however you have to create a purchase now. You might borrow $10,000 to expend on gear, as an example, and work out fixed daily re re payments over 90 days.\nAnd even though they will have pretty minimum that is easy-to-meet, almost all of OnDeck clients have actually a credit history of over 660, have been around in company for seven years, while having profits that exceed $450,000.\nEven though OnDeck works closely with borrowers much more than 700 companies, certain company aren’t eligible for loans, including drug dispensaries, firearms vendors, and fortune tellers.\nPerfect for Organizations with Great On The Web Ratings: Funding Circle\nFunding Circle Shows\n- Borrowing Restrictions: $25,000-$500,000\n- APR: Starting at 4.99per cent and differs centered on term\n- Credit demands: minimal credit rating of 620; at the least two years running a business; $150,000 yearly income\nWhom it is best for: companies with good income and shining consumer reviews that would like to buy stock or employ staff.\nFunding Circle is a lender that is peer-to-peer takes under consideration a amount of facets whenever determining your rate of interest and origination fee — from your own business’s cashflow to online consumer reviews. After filling in a fast, initial application, Funding Circle assigns you a merchant account supervisor and private underwriter to support the mortgage procedure to get a better knowledge of your online business.\nLike OnDeck, Funding Circle will not provide to industries that are certain including nonprofit companies, gambling companies, and cannabis dispensaries.\nPerfect for Established Organizations: Fundation\nWhom it is beneficial to: companies (with at the least a small number of workers) in search of convenient funding to buy the stock they want.\nFundation provides traditional term loans to more founded companies when it comes to purposes of “expansion, gear, and money improvement. ” Additionally they just use their very own money that will be not the same as various other loan providers. Your individual charge is dependent on a few facets that fall under the types of company security, credit score, money credit and financial obligation, and economic metrics. Additionally they don’t have prepayment penalties, therefore you won’t be hit up with additional fees if you suddenly have the extra cash to pay off the remaining balance.\nBest for Seasonal Organizations: Dealstruck\nWho it is great for: regular companies that want to buy stock.\nDealstruck’s Inventory credit line enables companies to get stock whenever costs are good, regardless of if they don’t have the bucks on hand. By having a credit that is revolving and interest-free duration, companies — specially retailers — can plan for future periods without emptying their pouches. Dealstruck also provides term loans and account receivable credit lines.\nPerfect for Companies with Outstanding Invoices: BlueVine\n- Borrowing limitations: $5,000 to $5,000,000 (though applications for over $250,000 require additional information\n- Rates & costs: Rates begin at 0.25percent per week\n- Credit needs: 530+ credit history; at the very least 90 days running a business; minimal $10,000 revenue that is monthly\nWhom it’s great for: companies that have to fill short-term cashflow gaps and don’t have actually any stock to borrow secured on.\nBlueVine Invoice Factoring is made for B2B companies that require money now and can’t wait for his or her clients to cover invoices that are outstanding $500. The program takes moments to accomplish, and also you might be authorized in 24 hours or less, with BlueVine having to pay 85% to 90percent associated with the cash upfront. Once the invoice is born, clients will be sending re payment to your BlueVine account (rather of the company account).\nBlueVine just takes invoices that meet certain criteria, including whether or not the solution ended up being finished, the worth (should be more than $500), additionally the date that is due. After you have a credit that is approved, you’ve got the freedom to ascertain which invoices you need funded.\nThe way we Picked the greatest Bad Credit Business Loans\nBecause of this roundup of the finest bad credit company loans, we took the following criteria into account:\n- APR and charges: One trade-off to be in a position to get a business loan when you yourself have bad credit is the fact that it usually involves having to pay a greater rate of interest or maybe more in fees. The greatest loan providers function the essential competitive prices and keep costs as little as feasible.\n- Repayment terms: Before you accept any loan, you must understand exactly how repayments mount up find that loan with terms which are appropriate towards your company structure.\n- Minimum credit needs: the very best loan providers recognize that your credit history alone is not fundamentally a measure of the business’s ability to settle financing.\n- Funding quantity: small businesses have actually various borrowing needs additionally the lenders featured here offer loans with wide ranges.\n- Funding speed/convenience: on line loan providers are appealing because their loan funding and application procedure is faster than conventional banking institutions.\n- Reputation: the internet financing market is quite brand brand brand new, nevertheless the most useful loan providers would be the people whose track records have proven them to be trustworthy.\nHaving bad credit doesn’t imply that a business loan has gone out of your reach, so look around and think about the options. Additionally, it is usually a good concept to invest some time and browse the small print. Also though you’re usually the one who requires cash, in cases where a loan provider will probably look closely at your financials and company history, it is necessary for one to do equally as much digging to make certain that you’ve made a good choice for your needs.\nWatch out for prospective pitfalls.\nDealing with a loan might help your online business grow or remain afloat whenever money is tight, however it’s not without specific dangers. Before investing in a credit that is bad loan, you wish to give consideration to:\n- Price: Borrowing cash for your needs when you’ve got bad credit probably means spending more in interest and charges if you had good credit than you would.\n- Obligation: even though a loan provider is not seeking security, they could require an individual guarantee or a blanket lien in your business loan.\nWant an improved company loan? Improve your personal credit rating.\nYou can’t secure any sort of loan because of your bad credit, you need to work on building your personal credit score if you’d rather go a more traditional lending route, or. Find out more about what’s considered an excellent credit history and exactly how to construct credit.", "domain": "economics"}
+{"url": "https://waytoweb.in/solutions/fintech-solutions", "date": "2023-09-30T05:51:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510603.89/warc/CC-MAIN-20230930050118-20230930080118-00263.warc.gz", "language_score": 0.8886054754257202, "token_count": 718, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__10703651", "lang": "en", "text": "A gallery of astonishing solutions delivered to the most\nA glimpse to our expertise in design, development &\nExplore how Waytoweb delivered IT Solutions to Startups &\nDigital tools developed by us for businesses to be more\nAt Waytoweb, we understand the transformative power of financial technology (Fintech) in\nshaping the future of financial services. Our mission is to provide cutting-edge Fintech\nsolutions that empower businesses to thrive in the rapidly evolving digital landscape.\nFintech solutions revolutionize traditional financial processes, making them faster,\nmore efficient, and cost-effective. From payment processing to automated accounting,\nour Fintech solutions streamline your financial operations, freeing up valuable time\nand resources for your core business activities.\nSecurity is at the heart of our Fintech solutions. We deploy advanced encryption and\nauthentication measures to safeguard your sensitive financial data and protect you\nand your customers from potential threats. With Waytoweb's Fintech solutions, you\ncan transact with confidence, knowing your financial information is secure.\nIn the digital age, customers expect seamless and user-friendly financial services.\nOur Fintech solutions are designed with the end-user in mind, providing intuitive\ninterfaces and smooth interactions. Delivering an exceptional customer experience\nenhances loyalty and drives repeat business.\nMaking informed financial decisions requires access to real-time data insights. Our\nFintech solutions equip you with powerful analytics tools, providing valuable data\nand actionable insights to help you optimize your financial strategies and drive\nWith the increasing popularity of mobile devices, it's essential to offer\nmobile-responsive financial services. Waytoweb's Fintech solutions ensure that your\nfinancial applications and services are accessible on smartphones and tablets,\ncatering to your on-the-go customers.\nAt Waytoweb, we have a team of skilled developers and Fintech specialists with years\nof experience in the industry. We stay updated with the latest Fintech trends and\ntechnologies, enabling us to deliver innovative and future-proof solutions.\nWe believe that every business is unique, and that's why we take a personalized\napproach to understand your specific requirements. Our team works closely with you\nto develop tailor-made Fintech solutions that address your business challenges and\nalign with your goals.\nOur Fintech solutions are designed to grow with your business. Whether you're a\nstartup or an established enterprise, we offer scalable solutions that can\naccommodate your evolving needs. We also ensure seamless integration with your\nexisting systems for a smooth transition.\nCustomer satisfaction is at the core of what we do. We prioritize communication and\ncollaboration, keeping you informed throughout the development process. Our team is\nalways available to provide ongoing support and assistance, ensuring your Fintech\nsolutions operate at their best.\nUnlock the full potential of your financial services with Waytoweb's Fintech\nsolutions. Experience the power of innovation, security, and efficiency in your\nfinancial operations. Contact us today to embark on a journey of digital\ntransformation with our comprehensive Fintech solutions. Let Waytoweb be your\ntrusted partner in navigating the future of finance.\nGet a free estimate of what you need & Jump-start your project within 12 hours.", "domain": "economics"}
+{"url": "https://saint-damase.cdncompanies.com/finance/moneygram-saint-damase/", "date": "2018-05-20T09:44:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794863277.18/warc/CC-MAIN-20180520092830-20180520112830-00406.warc.gz", "language_score": 0.6515332460403442, "token_count": 247, "dump": "CC-MAIN-2018-22", "global_id": "webtext-fineweb__CC-MAIN-2018-22__0__108663313", "lang": "en", "text": "MoneyGram – Financial company in Saint-Damase, QC – 369 Rue de l`Église, Saint-Damase, Québec. Read verified and trustworthy customer reviews for MoneyGram or write your own review.\n|Categories:||Financial companies in Saint-Damase, Financial companies in Québec|\n|Postal code:||G0J 2J0|\n|Address:||369 Rue de l`Église, Saint-Damase, QC, G0J 2J0|\n|Phone Number:||(418) 776-5688|\n|Suggest an Update|\nMonday: 9:30 AM – 5:00 PM\nTuesday: 9:30 AM – 5:00 PM\nWednesday: 9:30 AM – 6:00 PM\nThursday: 9:30 AM – 6:00 PM\nFriday: 9:30 AM – 6:00 PM\nSaturday: Open 24 hours\nSunday: Open 24 hours\nEach review that comes in goes under comprehensive review moderation to avoid fraudulent/fake reviews.\nMore about MoneyGram\nCustomer ratings and consumer reports on MoneyGram – financial company in Saint-Damase, QC.", "domain": "economics"}
+{"url": "https://parts.toyotaofcoolsprings.com/payments", "date": "2020-05-26T03:47:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347390442.29/warc/CC-MAIN-20200526015239-20200526045239-00447.warc.gz", "language_score": 0.9533482193946838, "token_count": 385, "dump": "CC-MAIN-2020-24", "global_id": "webtext-fineweb__CC-MAIN-2020-24__0__158185352", "lang": "en", "text": "You can choose to pay with either you PayPal account or a major credit card. Most gift cards cannot be accepted. Also, we do not have the ability to split payments.\nWe use PayPal for all of our transactions to maintain the highest level of security for all of our customers. We are set up with an \"authorize and capture\" type of transaction system through PayPal. This is useful because sometimes we have to order the parts from our distributor since we cannot possibly keep every part Toyota makes in stock. Sometimes, incorrect parts are selected by the customer, and we need to swap them out for the correct part. This transaction method allows us to do this when there is a small price difference between those parts.\n\"Authorization & Capture, or Auth/Capture, allows you to authorize the availability of funds for a transaction but delay the capture of funds until a later time. This is often useful for merchants who have a delayed order fulfillment process. Authorize & Capture also enables merchants to modify the original authorization amount due to order changes occurring after the initial order is placed, such as taxes, shipping or gratuity.\"\nWhen you place an order with us, you are authorizing the funds. No transaction has taken place. This may show up on your account as a transaction, but the funds have merely been placed on hold. Once the part is shipped to you, the transaction takes place and the funds are transferred. Sometimes, because the authorization and the capture of the funds takes place within a couple of days of each other, you may notice that two transactions are present on your account. This is because the authorization has not dropped off yet. Once the parts are shipped and we have captured the funds, the authorization will drop off within the next 1-2 business days. You will be left with only one transaction on your statement. If it does not, feel free to contact us and we will resolve the issue.", "domain": "economics"}
+{"url": "http://lanecapitalmarkets.com/services.php", "date": "2023-05-29T17:39:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644907.31/warc/CC-MAIN-20230529173312-20230529203312-00664.warc.gz", "language_score": 0.9373847246170044, "token_count": 1362, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__51040011", "lang": "en", "text": "Lane Capital Markets primary objective is to provide the highest quality consulting and advisory services to the underserved community of private, small, and micro-cap companies. We have effectively served various industry secotrs including but not limited to:\n• Alternative Energy\nand a host of other specialized industries.\nHere is how we do it.\nLane Capital Markets partners with its clients to assist them in achieving their capital market objectives. Our experienced investment banking team primarily focuses on the entrepreneurial emerging growth company. When we commit services or capital to a client or transaction, we strive to deliver the expertise and resources of the entire firm. This starts by developing a fundamental understanding of both the client and its industry. Our clients specific knowledge base is then combined with strong capital markets expertise that allows us to assist in executing timely and innovative transactions for our client companies.\nWe foster strong relationships with corporate clients by delivering on our commitment to provide excellence in capital market advice and execution. Our underwriting business involved raising capital for private and public companies in the form of IPO’s and secondary offerings. Lane Capital Markets, the broker/dealer, was one of America’s leading equity underwriters, having managed and participated in hundreds of small issue equity financings.\nOur team is comprised of highly experienced professionals offering clients access to a broad range of tailored financing solutions. The firm’s established relationships with a variety of funding sources such as private equity groups, institutional investors, family offices, commercial lenders, pension funds and finance companies affords us the opportunity to creatively structure integrated and seamless transactions that meet each client’s unique needs.\nLane Capital Markets specializes in providing a full-range of financial advisory and capital market services to emerging growth companies. The firm’s service offerings include public and private placements of debt and equity, merger and acquisition advisory and financial restructuring services.\nOur overall strategy is dedicated to helping our client companies optimize shareholder value and facilitate their strategic and financial objectives. Whether a company is public or private, domestic or global, our professionals have the knowledge, experience and transaction advisory expertise to help companies succeed.\nWe undertake only a select number of engagements at any one time. This ensures that each transaction receives the individualized attention needed to complete the task on a timely basis. At Lane Capital Markets, we offer our clients the judgment and execution of a major investment bank with the focus, quality and senior-level attention of a boutique firm.\nLane Capital Markets provides a full-array of M&A services including transaction specific advice for both buy-side and sell-side advisory; the sale of companies or divisions, mergers, leveraged buyouts, management buyouts, target candidate searches and consolidation strategies. Whatever a client’s objective- whether it’s to locate a strategic partner, create liquidity, or enter new markets- our seasoned M&A professionals and network offer extensive experience in arranging both debt and equity facilities and in dealing with the issues and complexities associated with completing M&A assignments.\nOur team of M&A professionals had a long track record of handling complicated transactions. They provide large-firm expertise and professionalism with the insight, responsiveness and senior-level attention you would expect from an independent boutique firm. We can operate at the heart of any process, assist in negotiations, provide impartial and objective advice and help our clients enhance their opportunities through strategic acquisitions. In these endeavors, we always work to ensure that the structure of an M&A transaction is compatible with the company’s existing financing and capital structure.\nLane Capital Markets has forged strong ties with the key institutions that invest in private placements, from traditional institutions to private equity and venture capital firms. This allows us to successfully secure financing for early-stage and pre-IPO companies. These relationships coupled with the firm’s expertise in the private placement market ensures that our corporate clients are partnered with the most appropriate providers of early and developmental stage capital. Our private placement activity is focused on companies in need of capital for growth, acquisitions, consolidations or recapitalizations.\nBy leveraging our relationships with leading private equity groups, lending institutions and other key funding sources across major financial centers, we are able to help our client’s successfully raise private capital with the most appropriate partner on the best available terms.\nLane Capital Markets, while a broker/dealer, was proud to be recognized as one of the leading small-issuer underwriters in America. This status, and that of our firm’s principals, is a direct result of the commercial honor and integrity that is the underlying cornerstone of the firm and all its market services; the firm’s technical and transactional experience in investment banking; our strong execution capabilities in equity capital markets; and our focused and in-depth understanding of our clients.\nIn the public offering arena, we provided our client issuers with an integrated suite of support services: from devising an optimal pricing structure; to formulating growth strategies and capital policies; to installing internal management systems; and the compiling of disclosure documents. We take great pride in being well-positioned to provide assistance to our clients as they begin life as a public company.\nIn addition, we are committed to enhancing the reputation of the firm and the industry within which it works through our interactions with our clients and the investing public. This is accomplished through strict adherence to our business principles as well as both the spirit and letter of all applicable securities laws and regulations.\nLane Capital Markets was an established and leading investment bank providing the following services to companies residing within the dynamic small-issuer market segment: private and public placement of equity; convertible debt, mezzanine and senior and subordinated debt financings; financial restructurings; and mergers and acquisitions. Our financial advisory activity was focused on companies in need of capital for growth, acquisitions, consolidations or recapitalizations.\nOur combined professional and transactional experience enables us to add value at every stage of a relationship-for both public and private companies. Starting with meticulous analysis, our approach is to first gain a deep understanding of a client’s goals and objectives, then, with proper positioning of the company, target the most appropriate investors, and take a lead role in the negotiation, structuring, placement and closing of the transaction.\nRegardless of the complexity of the transaction, our bankers and network have extensive experience across the entire range of traditional investment banking activities. We work in close partnership with a client company to ensure that each capital raise or debt restructuring, sale or divestiture is achieved at the best possible combination of price and terms for all stakeholders.", "domain": "economics"}
+{"url": "https://www.mauraholdenartworks.com/buying-art-prints-in-bulk-a-guide-to-wholesale-prices", "date": "2024-04-19T05:34:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817289.27/warc/CC-MAIN-20240419043820-20240419073820-00259.warc.gz", "language_score": 0.9510019421577454, "token_count": 766, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__13143342", "lang": "en", "text": "As an expert in the art industry, I am often asked about purchasing art prints in bulk for wholesale prices. This is a common question among art enthusiasts, collectors, and even business owners looking to decorate their spaces with beautiful artwork. The short answer is yes, you can purchase art prints in bulk for wholesale prices. However, there are a few things you need to know before making a bulk purchase. The demand for art prints has been on the rise in recent years, with more and more people turning to them as a more affordable alternative to original artwork.\nThese reproductions of original artwork are created using high-quality printing techniques and materials, making them a great option for those looking to own and display beautiful artwork without breaking the bank. With the rise of online marketplaces and print-on-demand services, it has become easier than ever to purchase art prints. However, buying in bulk for wholesale prices requires a bit more research and planning.\nThe Benefits of Buying Art Prints in BulkBuying art prints in bulk has several benefits, especially for those looking to decorate their homes or businesses. Firstly, buying in bulk allows you to save money on each print. Most sellers offer discounts for bulk purchases, making it a cost-effective option for those looking to buy multiple prints. In addition, buying in bulk also gives you the opportunity to mix and match different prints and create a cohesive collection.\nThis is particularly useful for businesses looking to decorate their spaces with a specific theme or aesthetic. Moreover, buying art prints in bulk also means you have a ready supply of prints for future use. Whether you want to change up your home decor or add new pieces to your business, having a stock of art prints on hand can save you time and money in the long run.\nWhere to Buy Art Prints in BulkThere are several options for purchasing art prints in bulk, each with its own pros and cons. The most common options include buying directly from artists, online marketplaces, and print-on-demand services.\nBuying directly from artistsis a great way to support independent creators and get unique, one-of-a-kind prints. However, this option may not be the most cost-effective as artists may not offer bulk discounts.\nOnline marketplaces, such as Etsy and Society6, offer a wide variety of art prints from different artists.\nThese platforms often have bulk discounts available, making it a convenient option for those looking to purchase multiple prints at once.\nPrint-on-demand services, like Printful and Printify, allow you to upload your own designs or choose from a selection of pre-made designs. They handle the printing and shipping process, making it a hassle-free option for those looking to sell art prints or decorate their spaces with custom prints.\nTips for Buying Art Prints in BulkIf you're considering buying art prints in bulk for wholesale prices, here are some tips to keep in mind:\n- Do your research: Before making a bulk purchase, make sure to research the seller's reputation and read reviews from previous customers. This will help you ensure that you're getting high-quality prints at a fair price.\n- Ask for samples: If possible, ask the seller for samples of their prints before making a bulk purchase. This will give you an idea of the print quality and help you make an informed decision.\n- Negotiate: Don't be afraid to negotiate with the seller for a better price, especially if you're buying a large quantity of prints.\nMany sellers are open to negotiation, and it never hurts to ask.\n- Consider shipping costs: When buying art prints in bulk, shipping costs can add up quickly. Make sure to factor in these costs when comparing prices from different sellers.", "domain": "economics"}
+{"url": "https://www.tonkey.com.tw/en/project/ton-key-after-service-2023-001.html", "date": "2023-11-28T13:54:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679099514.72/warc/CC-MAIN-20231128115347-20231128145347-00089.warc.gz", "language_score": 0.9051231145858765, "token_count": 449, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__106352009", "lang": "en", "text": "After Service in Egypt\nPP/PE woven bags are used for multiple purpose in packaging industry. The applications of PP/PE woven bags are wide variety of packing agricultural products, such as wheat, rice, flour, sugar, salt, fertilizer and animal feed. It is also extensively used for packing all kinds of industrial products, like chemical raw material, various plastic material... etc.\nThe features of PP/PE woven bags are durable, wear-resistant, reusable, light weight, and easy to dispose of or recycle.\nTON KEY has been in this industry for more than 40 years and has many clients around the world. We supply turnkey project for PP woven sack production line from A to Z.\nThe major machines are including:\n--High Speed PP Flat Yarn Making Machine\n--Flexographic Printing Machine\n--Automatic Bag Cutting & Sewing Machine\n--Hydraulic Baling Press\n--Bag Sewing Machine\n--Bobbin Yarn Cutter\n--Other Auxiliary Equipment\nThe turn-key we can supply is for total solution. It includes:\n--Assistance of set up a complete factory\n--Layout of factory and machine\n--Water & electricity piping management\n--Machine installation & maintenance\n--Material & spare part supply\n--Product evaluation (such as size, weight, denier...etc.)\nOur machinery can be customized to meet different size of PP/PE woven bag. We do like to provide more information and assistance for the interested investors to make ultimate profits.\nIn Africa, agriculture product is increasing in variety and numerous. Especially Egypt is an important country for producing and exporting cotton. So the demand of PP/PE woven bags is demanding continuously. Tonkey has been supplying machinery to Egypt. One of our customers is state-owned enterprises located in Baltim.\nWe guided them to set up a complete pp woven sack making plant successfully by our rich experiences and professional technology.\nWe not only supply them all machines to make PP woven sack. We also send our engineers to customer’s factory to install all machines, labor training and maintenance teaching. We are glad to receive customer’s positive feedback with our machinery in excellent performance and high productivity.", "domain": "economics"}
+{"url": "https://workplacedesign.si/prospera", "date": "2023-12-11T21:31:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679518883.99/warc/CC-MAIN-20231211210408-20231212000408-00321.warc.gz", "language_score": 0.9158870577812195, "token_count": 333, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__209492853", "lang": "en", "text": "Specialists in commercial and residential real estate\nProspera is a specialized company for closing demanding real estate transactions. It was established in 2007 in Ljubljana.\nProspera has daily inquiries from buyers and tenants for high-end properties in Slovenia. In cooperation with Fine Ljubljana Apartments, it reaches more international buyers and tenants than most other real estate agencies in Slovenia.\nThe company uses a direct approach to selling and renting commercial real estate. If you have such property on the market or are planning a similar project, Prospera will prepare an action plan that includes contacting potential buyers and tenants from their own database of business and diplomatic contacts.\nIf you own a residential property and want to increase profitability, Prospera can provide you with tenants who are willing to pay the highest market price. In doing so, Prospera can also take over the support of the tenant, so you don’t have any worries or obligations with your property.\nProspera can also help in other real estate transactions, though it is known to add the highest value in transactions that are demanding or risky from a legal, financial, or business point of view.\nIf you want to sell or rent your property, or if you are a buyer or tenant and want to minimize the legal and financial risk of your real estate transaction, contact Prospera for an initial consultation.\nProspera nepremičnine d.o.o.\nTržaška cesta 134, Ljubljana\nElizabeta Gruden, director\n+386 (0)41 799 666", "domain": "economics"}
+{"url": "https://soundleisure.com/sound-leisure-yorkshire-family-business-day/", "date": "2024-04-21T18:24:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817790.98/warc/CC-MAIN-20240421163736-20240421193736-00408.warc.gz", "language_score": 0.9637482166290283, "token_count": 635, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__19782868", "lang": "en", "text": "Family firms across the region are joining the campaign to celebrate all that is great about the family business sector by supporting Yorkshire Family Business Day on February 10, 2020. To mark the day, Sound Leisure is welcoming family business owners to a special tour of its innovative 80,000 sq ft manufacturing facility to learn about the production of its products, most famously its handcrafted jukeboxes. Sound Leisure remains the oldest single ownership company in the sector in the world and has sold more than 100,000 jukeboxes across almost 30 countries.\nFamily businesses the length and breadth of the county can get involved by sharing their pride and demonstrating their family ownership via a social media campaign using the hashtag #YorkshireFamilyBizDay and posting banners/pictures on social media stating their pride in being one of the family firms in Yorkshire today.\nPaul Andrews, Founder of Family Business United, (FBU) who launched the campaign to give family firms the support and recognition they deserve, said, “There are over 5 million family firms across the UK and not only do they employ significant numbers of people, generate significant tax revenues and support local communities, they are the backbone of the UK economy, and with over 370,000 in the region they make a massive contribution to the Yorkshire economy too. All too often the endeavours of the family business sector are dismissed in favour of their non-family counterparts and the aim of Yorkshire Family Business Day is to champion the sector, put family firms on the map and help to dispel the myths surrounding the family business sector.”\nYorkshire is blessed with such a diverse family business sector ranging from some of the largest employers in the region such as well known brands Bettys, William Jackson, Bagnalls, Shepherd Group, Arco and Harrison Spinks, all of which play their part in putting Yorkshire on the map.\nSound Leisure is a proud family firm which has been trading for over 40 years.\nAs Sound Leisure managing director, Chris Black says, “We’re a second-generation family firm and we are incredibly proud to be continuing the success which my father Alan set up in 1978. We are delighted to join a day that celebrates organisations like ours that have family values at the heart and where doing business the right way counts.”\nPaul Andrews continues, “We have created a day for all Yorkshire family firms to be proud of and by providing them with the resources needed to get involved are looking forward to a day of celebration that will undoubtedly put family firms on the map. 2019 saw a phenomenal amount of pride being demonstrated by family firms across the county with a great volume of social media traffic and the plan is to make 2020 an even bigger celebration.”\nAs Paul concludes, “Family firms are the backbone of the Yorkshire economy and not only do they provide employment to thousands of people but they also generate significant revenues These firms are continually investing in the future of their businesses and supporting communities throughout the county. Family businesses in Yorkshire deserve all the support and recognition they get and we are proud to be championing this initiative to put them on the map.”", "domain": "economics"}
+{"url": "https://www.meredithsbread.com/", "date": "2020-07-09T04:28:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655898347.42/warc/CC-MAIN-20200709034306-20200709064306-00572.warc.gz", "language_score": 0.9582141637802124, "token_count": 334, "dump": "CC-MAIN-2020-29", "global_id": "webtext-fineweb__CC-MAIN-2020-29__0__190101986", "lang": "en", "text": "Despite our best efforts to bake and ship your orders immediately, COVID19 has made delivery dates inconsistent. Due to the dramatic increase in home delivery in the USA, mail carriers are overwhelmed and unable to guarantee delivery dates unless you select Priority Mail EXPRESS. To ensure our customers are able to continue to receive our baked goods, for the time being we are committing to 1/2 of the cost of Express shipping if selected to lessen the burden.\nThe prices listed for Express shipping reflect 50% of the total cost.\nWe appreciate your business and stay well,\nThe Allen family\nHandcrafting baked goods since 1987\nSince 1987, Meredith's Bread has taken pride in producing all-natural and preservative-free baked goods by hand. Family owned and operated, what began as a small bakery made up of only 10 products has grown into a company providing over 180 different items. This includes a full line of gluten-free products made in our dedicated facility with it's own staff, equipment and certified gluten-free ingredients.\nWe are passionate about maintaining the quality and integrity of our products, as well as supporting the sustainability of New York State agriculture through local ingredient sourcing. We attend over 44 farmer's markets a week during our peak seasons as our main point of sale and offer online ordering within the United States.\nWHAT PEOPLE SAY\n— Kimberly K.\n\"Gluten-free baking doesn't get any better than this! This is the best in taste and texture of any GF bakery I have ever encountered. It is worth the nearly 2 hours it takes me to get there. If you are GF you owe it to yourself to taste their magic.\"", "domain": "economics"}
+{"url": "http://ar2015.swissgrid.ch/en/timeline/", "date": "2019-10-23T16:00:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570987834649.58/warc/CC-MAIN-20191023150047-20191023173547-00005.warc.gz", "language_score": 0.9407944679260254, "token_count": 2638, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__213206203", "lang": "en", "text": "5 January 2015\nWith entry in the commercial register on 5 January 2015, Swissgrid takes over additional transmission grid elements, including the transmission grid company of the City of Zurich. These grid acquisitions mean that Swissgrid now has 30 shareholders.\n19 January 2015\nThe Swiss Federal Office of Energy approves the construction plans for the 380kV Chamoson-Chippis line. The line had already been approved by the Federal Office in 2010, but this was followed by the submission of appeals. The construction plans have now been endorsed following the required optimisation of noise emissions. The new 380kV Chamoson-Chippis line is required to transport the energy produced by the large power plants in Valais.\n9 February 2015\nSwissgrid opens a second control centre in Prilly. Federal Councillor Doris Leuthard attends the ceremonial inauguration and also participates in the panel question and answer session. Swissgrid’s new control centre increases Switzerland’s security of supply and underscores the importance of Western Switzerland for the Swiss electricity system.\n16 February 2015\nThe General Assembly approves amendments to the Articles of Association for the purpose of creating two share categories – it is approved by the Federal Council in March. Ronald Trächsel is elected to the Board of Directors to replace the departing Christophe Bossel.\n24 February 2015\nSwissgrid holds an information event on the Niederwil-Obfelden grid construction project in Bremgarten together with the Swiss Federal Office of Energy, the cantons of Aargau and Zurich, and Axpo. The event is met with great interest and receives very positive feedback from the majority of the more than 100 participants.\n5 March 2015\nThe Swissgrid Board of Directors approves the additional measures proposed by the Executive Board at its last meeting to increase efficiency and reduce costs. In doing so, Swissgrid is pursuing the savings realised since 2009, which amount to several hundred million francs, and also intends to save tens of millions of francs in operating costs each year.\n20 March 2015\nThe partial solar eclipse has a significant impact on solar radiation and electricity production from photovoltaic plants in large parts of Europe. Swissgrid and the European Network of Transmission System Operators for Electricity (ENTSO-E) are well-prepared – they have been discussing ways to deal with the natural phenomenon since the summer of 2014. The measures taken ensure that the European electricity grid is able to deal with the solar eclipse without any problems.\n27 March 2015\nSwissgrid publishes the 2016 tariffs for the transmission grid. The average financial burden for electricity consumers remains unchanged. This means that a four-person household will continue to pay an average of around 62 francs, or seven per cent of its annual electricity costs, for Swissgrid’s services.\n7 April 2015\nSwissgrid procures primary control power in weekly, market-based tenders, which play an important stabilising role in the supply of electricity. The existing cooperation with the transmission grid operators from Austria, Germany and the Netherlands are merged into Europe's largest single market. Swissgrid hopes that this will lead to additional cost savings in control reserve procurement in the medium term.\n29 April 2015\nSwitzerland achieves the best result in continental Europe in an evaluation of the system control quality by ENTSO-E. The control quality quantifies how well and how quickly a transmission system operator balances deviations of production and consumption from the planned course in their control block.\nEfficient procurement and the appropriate use of control power by Swissgrid made a significant contribution to this pleasing result – together with other factors.\n30 April 2015\nSwissgrid presents the “Strategic Grid 2025” report. It shows the grid construction projects that Swissgrid believes will be necessary in the next ten years to ensure security of supply and prepare the grid for the energy future. Interest is great – over 400 participants attended presentations and panel discussions on sustainable grid development at subsequent events at ETH Zurich and EPFL.\n30 April 2015\nSwissgrid successfully commissions the 380kV grid connection for the new Tierfehd substation of the Linth-Limmern pumped storage power plant. This means that the section is now part of the Swissgrid transmission grid. Thanks to the good cooperation between the administrative bodies, authorities, Swissgrid and Axpo Power AG site management, the grid connection was completed on schedule.\n7 May 2015\nFollowing the great interest in the Training & Simulation Centre pilot project, Swissgrid decides to implement the centre permanently. In future, Swissgrid will be able to offer courses on the topic of managing electricity grids in the new centre. The simulation scenarios provide training for cooperation in normal operations and in case of grid faults as well as grid restoration.\n26 May 2015\nCredit Suisse and Swissgrid celebrate the ground-breaking ceremony for Swissgrid's new headquarters together with representatives from the canton of Aargau, the City of Aarau and numerous guests. Many Swissgrid employees use the opportunity to familiarise themselves with the project and the new location. The office building in Aarau will be constructed by the Credit Suisse Investment Foundation. The move is planned for the end of 2017 and will merge the current locations in Frick and Laufenburg – an important step in Swissgrid’s corporate development.\n3 June 2015\nThe Swiss Federal Office of Energy, in partnership with the canton of Ticino, Swissgrid, Azienda Elettrica Ticinese (AET) and the Swiss Federal Railways (FFS), presented the implementation plan procedures for the transmission lines 106 Airolo – Lavorgo and 109 All’Acqua – Maggiatal – Magadino at two public information events. At the information events, Swissgrid and the project partners also explain the principles of the “Study on the Reorganisation of the High-Voltage Grids” on which the two implementation plan procedures are based.\n22 June 2015\nAll of the proposals made by the Board of Directors are approved at the ordinary General Assembly of the Swiss electricity grid operator Swissgrid. Dividends totalling 13 million francs will be distributed for the 2014 financial year. The current members of the Board of Directors were reappointed for a further term.\n2 July 2015\nDuring a test between February and April 2015, Swissgrid was able to significantly increase capacities for importing electricity at the northern border. This will result in lower prices for cross-border capacities and greater alignment with the wholesale electricity prices in neighbouring countries, as well as increase Switzerland's security of supply. An additional expansion of the transport capacity between Switzerland and its northern borders is planned as part of the implementation of the “Strategic Grid 2025” initiative.\n6 July 2015\nThe ESTI grants a large portion of the permits for the construction of the line between the Nant de Drance pumped storage power plant and Martigny. This new 380kV line is essential for the transportation of the energy generated by the Nant de Drance pumped storage power plant. The power plant is expected to start operation in 2018. Construction activities for the new 380kV line have commenced.\n19 August 2015\nThe “Star of Laufenburg” is being upgraded: instead of a connection via a 220kV outdoor switching substation, the transmission grids from France, Germany and Switzerland will be connected in a modern GiS (gas-insulated switching substation). This requires only 5% of the footprint of the old system and will commence operation in stages through to 2017. The old 220kV switching substation will then be dismantled.\n3 September 2015\nPierre-Alain Graf departs from Swissgrid. After overseeing the successful completion of the transfer of the extra-high-voltage grids as well as the strategic and organisational realignment of the company, he decides to tackle new professional challenges. Pierre-Alain Graf joined Swissgrid in 2008 and has been the Chief Executive Officer since 2009. Yves Zumwald takes over as interim CEO of the company with immediate effect.\n10 September 2015\nSwissgrid wins the Corporate Communications Award for the “Strategic Grid 2025” campaign. The campaign provides a good example of how even technically complex and politically charged issues can be communicated effectively to a broad target group. Swissgrid’s communication project was praised as a good model at both a national as well as international level.\n24 September 2015\nThe planning approval dossier on the Bickigen-Chippis grid construction project is submitted to the Federal Inspectorate for Heavy Current Installations (ESTI). The next objective is to inform the citizens in the cantons of Berne and Valais who are affected by the line construction. Swissgrid holds several local information events for this purpose.\n29 September 2015\nSwissgrid holds various information events in Visp to provide information on the upcoming grid construction projects in Upper Valais. Swissgrid also has a booth at the ‘Foire du Valais’ in October, at which the focus is on grid projects in Lower Valais. An important message is the dismantling of lines. A new route and the bundling of lines means that the line length in Valais will be reduced by 90 kilometres in future. The grid construction projects are essential because electricity will have to be transported after the Nant de Drance pumped storage power plant has been commissioned.\n2 October 2015\nThe The Swiss Federal Office of Energy approves the consolidation of the high-voltage lines between Attinghausen and Altdorf. It will be possible to bundle the lines, which are owned by Swissgrid and Swiss Federal Railways and are currently separate, along a joint line route. This will provide significant relief for the residential and industrial areas in the Uri valley – enabling a new area of land spanning 100,000 m2 to be developed for business.\n21 October 2015\nThe Swissgrid Board of Directors resolves to take over additional transmission grid systems as of 4 January 2016 and propose the necessary capital increase to shareholders. The Board of Directors also resolves to implement the planned valuation adjustment of the grid systems acquired as of 5 January 2015. The respective amendments to the Articles of Association will be approved by the Federal Council in December 2015.\n30 October 2015\nSwissgrid successfully commissions the new schedule management system for the Swiss control area. The new system replaces the ET3000, which has been in operation for the past ten years. The Day Ahead, Intraday and Post Scheduling processes are all performed successfully. The system’s operation is stable following its introduction and its performance is good. The new system also enables the rapid, secure and cost-effective adaptation of functions to the constantly changing Swiss and European environment.\n3 November 2015\nTogether with the School of Engineering and Architecture of Fribourg and other industry partners, Swissgrid begins offering Switzerland's first certified practical vocational training course for system operators from November 2015 onwards. The motivation for launching the course is that these operators must always reach the right decisions in a complex environment, often under time pressure.\n10 November 2015\nSwissgrid acquires share capital in the Holding des Gestionnaires de Réseau de Transport d’Electricité (HGRT). HGRT is the holding company of European grid operators and ensures its influence on the leading Central and Western Europe spot exchange for electricity, EPEX SPOT, through a 49% stake. As a result, Swissgrid joins the supervisory boards of HGRT and EPEX SPOT.\n2 December 2015\nSwissgrid estimates that the grid situation and energy supply will be strained for the winter of 2015/2016. Energy reserves are tight due to a series of interconnected special circumstances. As a result of the drop-out of the nuclear power plants Beznau 1 and 2, a large proportion of the base load is missing from the 220kV grid. This will have to be replaced predominantly from Swiss reservoirs, as electricity imports can only be used to offset this situation to a limited extent. The situation is aggravated by the fact that reservoirs are carrying less water than the long-term average.\n10 December 2015\nAt Swissgrid AG’s extraordinary General Assembly on 10 December 2015, shareholders approve the proposals of the Board of Directors in connection with an increase in the share capital in order to acquire additional facilities as of 4 January 2016. The required changes to the Articles of Association are approved by the Federal Council on 18 December.\n16 December 2015\nSwissgrid publishes a consultation document with proposals for a new market design. These were developed in close cooperation with numerous market participants and deal with the pending changes to the power market, especially with regard to the energy reform. The market must continue to develop and be structured more efficiently in view of these changes. Swissgrid’s proposals will be discussed with the industry in a consultation process.", "domain": "economics"}
+{"url": "http://www.outrageavenue.com/faq-debt-consolidation", "date": "2023-12-08T12:54:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100745.32/warc/CC-MAIN-20231208112926-20231208142926-00704.warc.gz", "language_score": 0.9619910717010498, "token_count": 1242, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__97282980", "lang": "en", "text": "We Answer Your Questions\nThe more informed you are as a borrower, the better the chance that you will succeed with your efforts. So many borrowers get locked into the trap of spending because they lack a solid understanding of the fundamentals of money and effective repayment options. For this reason, we have provided a list of some of the most important and frequently asked questions our visitors pose when they consolidate. Before you select a credit debt program, make sure you review these questions and answers carefully so you are well-informed going into the rebuilding process.\nHow do collections agencies work?\nWhen a creditor gives up on collecting a delinquent amount, the creditor sells the debt to a collections agency for a reduced price. For example, a creditor might sell a $5,000 debt to a collections agency for $2,000 then writes off the difference as a loss on their income taxes. At this point, the collections agency owns the debt and is responsible for getting the borrower to reimburse them on time.\nOne of the reasons why our method works is because collections agencies are usually willing to accept a lower payment amount than the original debt. This is sometimes referred to as a debt relief settlement and is typically negotiated by your company. Collections agencies will accept reduced amounts because they almost always still make a profit. For instance, continuing with the example above, if the collections agency accepted a payoff amount of $3,000 on the $5,000 debt, they would still make a profit of $1,000.\nWhy should I choose this method over bankruptcy?\nBankruptcy will have devastating effects on your credit score. Most bankruptcies will linger on your report and drag down your rating for seven to ten years. This means you will be responsible for outrageous interest rates for up to ten years if you can qualify for borrowing at all. A damaged rating can also lead to high insurance rates and lost job opportunities.\nDebt consolidation, on the other hand, allow you to become free of much of what you owe without ravaging your rating in the process. These programs help you tackle your expenses responsibly and affordably without discharging them in a bankruptcy proceeding. Moreover, this type of program can actually help you improve your credit rating. Consolidating debt will help you pay on time consistently, and you will see the balances on your accounts dwindle as you make progress. On-time reimbursements and lower balances will both help elevate your rating after you tackle the expenses, whereas bankruptcy damages your score for years to come.\nWhat are my credit card options?\nMost of our programs specialize in credit cards. The providers tend to be more flexible on rates than others, so it is easier for consolidation services to arrange a workable debt solution with them. If you decide to consolidate professionally, your company will work to try to improve your standing. Ideally, your part will become more reasonable, allowing you to become debt free more quickly.\nAnother option is to use a loan or a balance transfer to take care of your cards. With a balance transfer, you consolidate debt by moving the balances of one or more cards onto one with better interest rates. The improved interest rates then enable you to pay off the balance more quickly. Secured or unsecured loans can also offer solutions for cards by allowing you to pay off your balances with a lower-interest loan from your bank.\nWhat is unsecured vs. secured debt?\nThese two types differ in whether they are associated with physical property. Unsecured debt is not tied to a piece of property. They include credit cards, medical bills, and some types of payday loans. Secured debts, on the other hand, are attached to a piece of physical property, such as a house or a vehicle. Secured debts include mortgage loans, car loans, and personal loans that require collateral. Typically, the latter has more reasonable interest rates than the former because the lender faces less risk.\nMost services like ours will only accept unsecured debts. They are much more difficult to consolidate and often don’t need to be consolidated in the first place because their interest rates are already low. Unsecured lenders tend to be more compliant with organizations such as ours because, unlike secured lenders, they don’t have the option of seizing property if the borrower fails to pay. As a result, these creditors are more willing to negotiate and cooperate with consumer debt management companies. Check out other tips and tricks on Maxbet.\nHow can I deal with creditor harassment?\nWe can refer you to a service that will help you put an end to harassment. The best way to stop harassment is to pay your bills on time, and this type of plan will help you do just that. This service will work on making your monthly payments more affordable so you can pay on time and pay down your balances rapidly. Once your creditors see that you’re holding up your end of the bargain, they will likely stop harassing you for payments.\nAnother advantage of getting your finances back on track is that you will not have to deal with your creditors directly after the consolidation takes place. You will send your payments to your creditors through the program, which then distributes the money to your individual lenders. As long as you keep up with your payments, your creditors should have no reason to harass you anymore.\nWhat is nonprofit debt help? Are you a nonprofit?\nNon profit consolidation usually refers to some type of counseling agency that assists consumers with budgeting, paying down bills, and dealing with creditors. Strictly speaking, credit counseling agencies do not provide traditional consolidation services. They can inform you of your options and offer counseling, but they do not actually consolidate your accounts for you. In other words, there really is no such thing as a non profit debt consolidation company.\nDebt Consolidation is not a non-profit organization. All of our partner companies are for-profit services. Although for-profit services tend to charge higher prices than non-profit counterparts, they also tend to get better results for their clients. For-profit companies are more aggressive in dealing with your creditors and securing the most affordable payments possible for you.", "domain": "economics"}
+{"url": "https://www.visual-ivr.com/blog/jacada-visual-ivr-massive-savings/", "date": "2024-02-22T14:01:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473819.62/warc/CC-MAIN-20240222125841-20240222155841-00289.warc.gz", "language_score": 0.951256275177002, "token_count": 741, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__21328606", "lang": "en", "text": "BY DYLON MILLS\nHere’s an Example of a Fortune 50 Company saving Over $4 MILLION annually… What are you waiting for?\nCompany background: This company is a Fortune 50 company operating out of the West Coast of the United States. The company has products for both the B2B and B2C markets and is a leading provider for businesses and consumers operating in a mobile and cloud world.\nThe main challenge they faced: This company set out to resolve a number of challenges across various business units. For their retail stores, the goal was to empower the customer with additional digital channels for an improved self-service experience. Other business units set out to improve self-service for initial product setup, improve help desk authentication and initial triage, and improve authentication and call routing.\nSolution: This company searched for a digital engagement solution that could provide traditional voice callers with a digital alternative. After an intensive market search and vendor comparison, they chose Jacada Visual IVR.\nThey implemented Visual IVR which provided voice callers the option to pivot into a digital self-service session. Customers could easily resolve their inquiries without speaking to an agent or a store associate.\nThe solution was first deployed to the retail store which allowed callers to quickly and easily resolve questions on their digital device, including inquiries such as “Where is my order”, scheduling appointments, location searches and inventory. Following the successful rollout to the retail stores, other business units subsequently implemented Visual IVR to improve self-service for initial product setup, improve help desk authentication and initial triage, and improve authentication and call routing.\nSpeaking to the maturity and robustness of Jacada Visual IVR, the initial deployment was completed in 2 months.\nBenefit they received: Of callers given the option to engage digitally through Visual IVR, over 45% of callers chose this new innovative service, and gave it a resounding 99% customer satisfaction rating. Customer effort was reduced by 70% (from 4.20 minutes to 1.20 minutes) and this company realized savings of over $4 million USD annually through the increased adoption of self-service tools.\n- Self-service increased by 11% (net improvement)\n- 70% reduction in customer effort\n- Happy customers able to help themselves\nThe argument for Visual IVR over “other” digital initiatives:\nFirst off, the “other” digital self-service initiatives I am referring to include any type of development on a website, mobile app, forums and others of the like. The reason the majority of these digital initiatives fall short really comes down to the point at which you engage with the customer. Sure… your website and mobile app are out there and available but does your customer know that?\nCustomers generally attempt self-service first and then revert to calling you when they can’t find the information they are looking for. Therein lies the problem… with all the digital information you are putting out to your customers, they often find it difficult or sometimes impossible navigating to the specific information they are seeking at the time they are looking for it (when they need it the most).\nVisual IVR’s main benefit is in the ability to route customers to the information/solution/tools they are seeking – when they are looking for it. When a customer can get to what they are seeking – when they are seeking it – they are happy.\n\"A satisfied customer is one who will continue to buy from you, seldom shop around, refer other customers and in general be a superstar advocate for your business.\"\n~ Gregory Ciotti", "domain": "economics"}
+{"url": "https://www.aymahome.com/refund-policy", "date": "2020-07-02T18:16:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655879738.16/warc/CC-MAIN-20200702174127-20200702204127-00005.warc.gz", "language_score": 0.9475531578063965, "token_count": 622, "dump": "CC-MAIN-2020-29", "global_id": "webtext-fineweb__CC-MAIN-2020-29__0__140322953", "lang": "en", "text": "Cancelling Before Delivery:\nYou can cancel an order by contacting our After Sales team at email@example.com. We respond within 48 hours after receiving your email.\nShould you wish to cancel an order please try and give us as much notice as possible because our products begin their journey to you three days before the delivery date.\nYour Rights to Cancel where You Have Changed Your Mind:\nIf you are a consumer (i.e. not buying the product(s) in the course of your business, trade or profession), then you have the right to cancel Your order within 14 days after delivery of all the product(s) you have ordered without giving any reason.\nThe cancellation period will expire after 14 days from the delivery date and after this 14 day period has expired we will not accept returns of any products purchased unless faulty or not as described.\nIf you are purchasing a flatpack item, they must be unopened and unassembled. We will not accept flatpack items that are assembled unless you have received them damaged, in which case please place them in the box and secure the box for our Courier to collect.\nIf we deem that the packaging is not appropriate for transit, we may:\n(a) charge you a reasonable sum to repackage the products to a sufficient standard on collection of the products; or (b) accept the products and make a deduction where the inappropriate packaging or unreasonable handling has diminished the value of the products. Nothing in this paragraph affects Your statutory rights.\nExcept where our products are faulty or not as described, you will have to bear the direct cost of returning any products to us.\nIf You would like us to collect the products from you, then you agree that we may charge you return fees based on the size of each product to cover our direct costs.\nTo meet the cancellation period deadline, it is sufficient for you to send your notice of cancellation before the cancellation period has expired. If you send us a notice of cancellation by post and or return the product to us, we advise that you keep proof of postage.\nIf you decide to cancel your order, we will reimburse you for all payments which we have received from you in relation to your order, including the cost of delivery and any supplementary costs arising if you chose a type of delivery other than the least expensive option offered by us, less any return fees.\nWe may make a deduction from the reimbursement for loss in value of the products supplied up to the total price of the product, if the loss is the result of damage caused whilst the product was under your care.\nWe will make the reimbursement without undue delay, and no later than 14 days after we receive back from you the products supplied.\nWe will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise. You will not incur any fees as a result of the reimbursement. We may withhold reimbursement until we have received the products back or you have supplied evidence of having sent the products back, whichever is the earliest.", "domain": "economics"}
+{"url": "http://www.growriverside.com/robert-egger-founder-and-president-of-l-a-kitchen/", "date": "2023-09-21T18:22:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506029.42/warc/CC-MAIN-20230921174008-20230921204008-00879.warc.gz", "language_score": 0.9573870897293091, "token_count": 493, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__324979453", "lang": "en", "text": "Robert Egger, Founder and President of L.A. Kitchen\nRobert Egger is the Founder and President of L.A. Kitchen, which recovers fresh fruits and vegetables to fuel a culinary arts job training program for men and women coming out of foster care and older men and women returning from incarceration. L.A. Kitchen is currently holding a pilot program at St. Vincent Meals on Wheels, and will move into its own kitchen facility in 2015.\nRobert pioneered this model during his 24 year tenure as the President of the DC Central Kitchen, the country’s first “community kitchen”, where food donated by hospitality businesses and farms is used to fuel a nationally recognized culinary arts job training program. Since opening in 1989, the Kitchen (which is a $10 million a year, self-sustaining, social enterprise) has produced over 26 million meals and helped 1,000 men and women gain full time employment. The Kitchen operates its own revenue generating business, Fresh Start Catering, as well as the Campus Kitchens Project, which coordinates similar recycling/meal programs in 33 colleges or high school based kitchens.\nIn addition, Robert is the Founder and President of CForward, an advocacy organization that rallies employees of nonprofits to educate candidates about the economic role that nonprofits play in every community, and to support candidates who have detailed plans to strengthen the economy that includes nonprofits.\nIn Washington D.C., Robert was the founding Chair of both the Mayor’s Commission on Nutrition and Street Sense, Washington’s “homeless” newspaper. He was also the Co-Convener of the first Nonprofit Congress, held in Washington DC in 2006. Currently, Robert serves on the Board of the national addiction recovery program, Back On My Feet, the Philanthropic Collaborative, and Chef Jose Andres’ World Central Kitchen.\nRobert’s book on the non-profit sector, Begging for Change: The Dollars and Sense of Making Nonprofits Responsive, Efficient and Rewarding For All, was released in 2004 by HarperCollins. It received the 2005 McAdam Book Award for “Best Nonprofit Management Book” by the Alliance for Nonprofit Management.\nRobert speaks throughout the country and internationally on the subjects of hunger, sustainability, nonprofit political engagement and social enterprise. He writes blogs and editorials to share his ideas about the nonprofit sector and the future of America.", "domain": "economics"}
+{"url": "https://ubwp.buffalo.edu/selfandmotivationlab/projects-at-the-research-lab/", "date": "2023-09-26T12:11:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510208.72/warc/CC-MAIN-20230926111439-20230926141439-00632.warc.gz", "language_score": 0.9516591429710388, "token_count": 895, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__141770563", "lang": "en", "text": "Humans have the unique capacity to think about and reflect upon themselves as the object of their own attention. One consequence of this ability is that individuals tend to evaluate themselves against standards of worth and value. Contingencies of Self-Worth (CSW) (Crocker & Wolfe, 2001) reflect the degree to which individuals base their self-esteem in specific domains. Whereas some people may base their self-worth on being academically competent, financially successful, or living up to their moral or ethical standards, others may base their self-worth more on having others’ approval, being in a romantic relationship, or having love and support from their family.\nAlthough CSWs are highly motivating and emotionally rewarding, they often incur costs to the self and to others (Crocker & Park, 2004). For example, people with high self-esteem become more preoccupied and self-absorbed – and less empathetic, caring, and understanding toward another person’s personal problem – when they highly base their self-worth on academic competence and receive negative feedback in this domain (Park & Crocker, 2005). Indeed, across a variety of domains and outcomes, research consistently shows that reactions to events depend on how much one’s self-worth is tied to the threatened domain (Park, Crocker, & Kiefer, 2007; Park & Maner, 2009; Park, Sanchez, & Brynildsen, 2011). For example, contrary to the belief that everyone responds the same way to rejection, only those who strongly stake their self-worth on others’ approval show drops in their state self-esteem and greater feelings of rejection after receiving negative feedback about their likeability, compared to those whose self-worth is less contingent on others’ approval (Park & Crocker, 2008). Overall, when people base their self-worth in domains of contingency, they are more vulnerable to both perceiving threats and responding in ways to cope with the threat (Park, 2010; Park, Naidu, Lemay, Canning, Ward, Panlilio, & Vessels, in press).\nFinancial Contingency of Self-Worth\nCurrently, our lab is investigating how basing self-worth on financial success affects motivation, well-being, and interpersonal outcomes. Across several studies, we find that individuals who base their self-worth on being financially successful experience more anxiety, stress, and financial hassles, even after accounting for effects of financial status, materialism, and financial aspirations. These individuals experience lower autonomy when reminded of financial insecurities; disengage more from their financial problems; and perceive their financial problems in a more negative light than those who base their self-worth less in this domain (Park, Ward, & Naragon-Gainey, 2017).\nRecent research in our lab has examined reasons why people with Financial CSW tend to experience more social disconnection and loneliness (Ward, Park, Naragon-Gainey, Whillans, & Jung, 2020). In addition, we have examined the role that Financial CSW plays in romantic relationships, finding that those who base their self-esteem on money experience more financial conflicts and disagreements with their romantic partner, which in turn, predicts lower relationship satisfaction (Ward, Park, Walsh, Paravati, & Whillans, 2021). These findings emerge even after accounting for effects of income and economic pressures, suggesting that there is something unique about basing self-worth on money that is detrimental for relationships.\nOur lab is also investigating how and why individuals come to develop financially contingent self-worth in the first place, using theories and insights from social psychology, developmental psychology, and sociology. This research suggests that individuals who grow up in regions with greater income inequality are more likely to make upward financial comparisons with others, which predicts having greater expectations of the benefits of financial success, which predicts basing self-worth more in this domain, which ultimately predicts lower well-being via feeling dissatisfied with one’s current financial status (Park, Jung, Naragon-Gainey, Ward, Piff, & Whillans, 2020). Recent research examines how basing self-worth on money relates to perceptions of and usage of time and to experiences of goal conflict and consumer behavior (Park, Ward, Naragon-Gainey, Fujita, & Koefler, 2022).", "domain": "economics"}
+{"url": "https://wserie.com/shows/how-to-crack-the-class-ceiling", "date": "2024-03-05T15:20:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707948235171.95/warc/CC-MAIN-20240305124045-20240305154045-00600.warc.gz", "language_score": 0.9077070951461792, "token_count": 128, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__200909105", "lang": "en", "text": "Britain’s got a class problem: working class kids can't get into Britain’s top jobs. Amol Rajan meets those hoping to hack the system. Do they change themselves, or change the job?\nDecember 5, 2022\nHow can working class students break through the barriers to landing Britain’s elite jobs? Amol Rajan investigates the tips and tricks that could help them find their dream roles\nDecember 12, 2022\nAmol Rajan looks at solutions to Britain’s class inequality problem. How can employers and policy makers ensure a level playing field for working-class applicants to elite jobs?", "domain": "economics"}
+{"url": "https://www.gts-thielmann.de/en/downloads/zertifikate/", "date": "2023-11-28T19:21:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679099942.90/warc/CC-MAIN-20231128183116-20231128213116-00853.warc.gz", "language_score": 0.8776543736457825, "token_count": 439, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__106558955", "lang": "en", "text": "DQS – ISO 9001 : 2015\nOur company is ISO 9001 certified.\nThis qualifies our product and service quality in all process- and project-relevant processes.\nFor us it is indispensable always be up-to-date in the development and technology and to realize and live a continuous improvement process.\nAEO – Authorized Economic Operator\nSince 2011 we have been certified by customs as an AEO Authorized Economic Operator.\nThis authorization is an essential element of the EU security concept. It allows us a secure and reliable export declaration to the EU countries, as well as the third countries listed in the customs agreements: Switzerland, Norway, USA, Japan and China. An agreement with Canada is in the negotiations and expected to be signed in April 2017.\nThielmann Energietechnik GmbH has obtained the AEOC status.\nYou can find detailed information on the AEO certification at www.zoll.de\nDVGW-Certificates for Cellular Gas Filters for placing on the market and provision in the EU economic area\nThe type examination carried out by the ‘DVGW CERT GmbH Certification Body’ for our cellular gas filters based on the test basis 2014/68/EU A III B and based on DIN 3386: 2012-10.\nacc. to Pressure Equipment Directive EC 2014/68/EU\nfor pressure equipment p> 0.5 bar\nThe type examination in accordance with the EC Pressure Equipment Directive serves to place our cellular gas filters in the European Economic Area on the market for the use of pressure equipment with a max. permissible pressure p> 0.5 bar\n- DVGW Type Examination Certificate Cellular Gas Filters 2017-2022\n- Thielmann Certificate of Conformity Cellular Gas Filters 2021\nacc. to EU Gas Appliance Regulation EU 2016/426 (GAR)\non appliances for the combustion of gaseous fuels:\nThe type examination according to the EU Gas Appliance Ordinance serves for placing our cellular gas filters in the European Economic Area on the market for the use of devices for the combustion of gaseous fuels.", "domain": "economics"}
+{"url": "https://axcendcorp.com/support", "date": "2023-03-28T22:12:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296948871.42/warc/CC-MAIN-20230328201715-20230328231715-00476.warc.gz", "language_score": 0.9202601909637451, "token_count": 514, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__229708607", "lang": "en", "text": "The Axcend Focus LC® is built to be a robust and reliable HPLC device, requiring minimal routine maintenance – which means significantly reduced support cost and minimal downtime. Our services are built around keeping your instrument analyzing the greatest possible time, while providing the least total cost of ownership.\nAs any lab manager knows, the routine running costs of an instrument are usually a significant portion of the cost of ownership. But with the Axcend Focus LC, not only are solvent costs magnitudes lower, but instrument operating cost is also significantly lower.\nBy way of design, many traditional HPLC support services can be provided remotely, such as installation and method transfer and implementation support. We offer a full suite of services including instrument qualification, preventive maintenance, and breakdown protection.\nFor Support assistance, please email [email protected] or use the contact form below.\nIf you need immediate help, you may contact Matthew Morse at 781-752-5450 or email him at [email protected].\nLease an Axcend Focus LC®\nThank you for your interest in the Axcend Focus LC® and the option of leasing this compact, capillary HPLC system from Axcend®. For example, in the United States, 100% of the equipment cost is deductible in the first year, up to $1,000,000 (IRS Section 179).\nAdditionally, Lease Financing does not appear on personal credit reports; however, we do report to PayNet (which increases your company’s lending capability). And last of all, Lease Financing preserves capital and eliminates the need to tap into your company’s line of credit, which can be used for non-collateral goods.\nWe offer qualified organizations the option to lease an Axcend Focus LC for terms ranging from 24 to 60 months. We also include a buyout option at the end of every Axcend Lease which gives you the ability to purchase your Axcend Focus LC for an additional, one-time payment of just $1. Presuming you’d like more details about how you can lease an Axcend Focus LC, please fill out the contact form below and we’ll contact you right away.\nWant more Information?\nThank you for visiting our website! If you would like to learn more about the Axcend Focus LC® or schedule a demo of our compact HPLC device (Virtual or In-Person) then please submit your details using the contact form.\n\"*\" indicates required fields", "domain": "economics"}
+{"url": "https://ninebrian.com/harrods-discount-code/?wpcd_coupon=5778", "date": "2024-04-22T19:35:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818337.62/warc/CC-MAIN-20240422175900-20240422205900-00774.warc.gz", "language_score": 0.9100235104560852, "token_count": 408, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__81861341", "lang": "en", "text": "Enjoy big savings by using Harrods discount code October 2023. With Harrods coupons, you will score discounts on beauty, jewellery, watches, clothings,…\nHarrods is one of the world’s most famous department stores that sells luxury and high-quality goods. Charles Henry Harrods founded it in London, England in 1849. Harrods offers a huge range of products from women’s clothing, men’s clothing, jewelry, watches, kids, beauty to souvenirs, home and furniture, food and wine. At Harrods, you can find many famous brands such as Chanel, Gucci, Valentino, Burberry, Givenchy, Armani, Lancome, Kenzo Baby, Max Mara, Vera Wang, Dior.\nHow to use Harrods discount codes 2023\nHere is how you can redeem a Harrods discount code.\n• First, search for your desired Harrods promo code on this page. Then choose your Harrods coupon and click on the button. Copy the code, if provided, to your clipboard. However, if no code is provided, your saving will be applied automatically.\n• Next, follow the link to Harrods’ website and shop as usual.\n• When you are ready to pay, click on the cart icon to take you to the checkout screen. Then enter the Harrods code in the designated box.\n• See the price in your shopping bag automatically drop.\nHarrods runs a loyalty program called Harrods Rewards, where you can earn points for every £1 you spend on the Harrods website. Harrods points can be converted into cash at any time. You can join Harrods rewards by creating an account and get 10% off your first purchase.\nHarrods free shipping\nHarrods offers free shipping when you spend on orders over £100.", "domain": "economics"}
+{"url": "https://www.consumerfinancemonitor.com/2023/08/22/cfpb-seeks-comment-on-new-survey-of-student-loan-borrowers/", "date": "2023-09-23T23:29:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506539.13/warc/CC-MAIN-20230923231031-20230924021031-00390.warc.gz", "language_score": 0.950974702835083, "token_count": 210, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__320824431", "lang": "en", "text": "The CFPB has published a notice in the Federal Register seeking comment on its request for approval by the Office of Management and Budget of a new one-time survey of student loan borrowers. Comments must be received by September 18, 2023.\nThe survey is intended to allow the CFPB “to understand [student borrowers’] borrowing decisions, their experience managing their loans, and their expectations for the future.” The CFPB will send the survey to a random sample of individuals selected from individuals in its new Consumer Credit Information Panel (CCIP). The CCIP is a sample of de-identified credit records from one of the nationwide consumer reporting agencies. Responses to the survey will be matched to the CFPB’s CCIP data to provide a more complete picture of borrowers’ financial standing. In conducting the new survey, the CFPB plans to follow similar methods to its Making Ends Meet and Consumer Views on Debt surveys but will sample a different population of borrowers and focus primarily on student loans.", "domain": "economics"}
+{"url": "https://www.citizensnotpoliticians.org/dollar-general-couldnt-put-thumb-on-scale-neither-should-ohio-politicians/", "date": "2024-04-19T17:59:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817442.65/warc/CC-MAIN-20240419172411-20240419202411-00177.warc.gz", "language_score": 0.937305748462677, "token_count": 149, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__69703314", "lang": "en", "text": "In the business and consumer marketplace, our government goes to extraordinary lengths to ensure fair dealing — keeping thumbs off the scales.\nIn the political marketplace, sadly, too often it’s the opposite.\nFrom our nation’s earliest days, government officials have worked to guarantee equity and build trust in the market for goods and services.\nArticle I, Section 8 of the U.S. Constitution gives Congress the power “to fix the standard of weights and measures.” On March 2, 1799, President John Adams signed the nation’s first weights and measures law.\nEver since, state and local governments have embraced the latest advances in precision measurement and enforced laws on accurate transactions to benefit businesses and consumers.", "domain": "economics"}
+{"url": "https://www.gransol.eu/ftlconditions", "date": "2023-05-28T03:48:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224643462.13/warc/CC-MAIN-20230528015553-20230528045553-00436.warc.gz", "language_score": 0.8995509743690491, "token_count": 907, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__43135712", "lang": "en", "text": "-fix collections/deliveries or other crucial appointments (extra cost threat) have to be advised before confirming the transport (special tool bookings, hired staff and specialists, follow up transports and similar) – no additional cost will be accepted without previous warning!\n-after arrival, we only guarantee 3hrs waiting/loading/offloading time, every hour over 3hrs will be charged by 40€ (max 400€/24hrs)\n-we are not giving away any contact details of our hauliers/partners - should this information be necessary for loading or any other activity connected to the transport, you have to advise before sending the order.\n-we accept only cancellations within 15:00 of the working day before the agreed loading date - unreasonable cancellations after 15:00 without a proof of real problem will be fined as a cancellation in the day of loading!\n-in case of order cancellation in the day of loading we charge 80% of the agreed transport rate\n-in case the transport will be postponed in 1 or more days in the day of loading, we charge waiting cost as per 2nd point of this conditions\n-you should provide us complete information about the transported goods and its value - our insurance covers 8,33SDR/1kg - in case your cargo has higher value, we need the information before loading.\n-we do not accept higher replacement truck cost then 10% of previously agreed rate – and only in case of delay of 24hrs (if agreed fix collection/delivery)\n-we do not transport ADR goods, goods for which is a special licence needed and high value goods (FTL value higher then 100.000€) without previous agreement - in case we will not be informed before confirming the order, the extra cost connected to the issue will be invoiced to you\n-we do not accept any additional cost without a proof / cost for loading equipment & packaging purchased at the loading place must be confirmed by a signature and written name of the driver – information about this purchase must be sent within 10 days after loading, otherwise we can not guarantee the payment!\n-we do not accept any invoices for loading material and packaging materials without being previously agreed with the agent - the need for specific equipment or pallet change must be explicitly agreed per email!\n-our drivers are only providing the transportation, any extra activities like loading/offloading assistance has to be paid extra to the transport charge. If the loading/offloading assistance not agreed before accepting the order, the driver has the right to refuse the assistance and waiting will be charged as per 2nd point of this conditions...\n-you ensure that the goods are packed sufficiently and it will protect the goods from all risks during the transportation (swinging, vibration, humidity, reloading operations etc.) - we are obliged to speak out doubts, which might lead to cancellation of the shipment - extra cost connected to repacking or waiting will be charged as per point 2 of these conditions or point 5 in case of cancellation.\n-we are a freight forwarding agency and all transports are made by our subcontractors, therefore you will receive the CMR with hidden information about our haulier - should this be a problem for you, inform us immediately.\n*you were informed about this matter and we do not accept any delays of our invoices for that reason!\n- we are not sending original paperwork per post – scanned Copy only!! Should this be a problem, let us know immediately!!\n-we only accept bank transfer payments (bank account stated on the invoice) – no extra reductions without previous agreement accepted.\n-this agreement is governed by Austrian substantive law and the court of jurisdiction is in Innsbruck.\nGB - Should you have difficulties understanding these conditions, let us know immediately!!\nDE - Sollten Sie Schwierigkeiten haben, diese Bedingungen zu verstehen, bitte um sofortiges Bescheid!!\nFR - Si vous avez des difficultés à comprendre ces conditions, veuillez nous le faire savoir immédiatement !!\nIT - In caso di difficoltà nel comprendere queste condizioni, fatecelo sapere immediatamente!!\nThank you / Danke/ Gracias / Merci / Grazie", "domain": "economics"}
+{"url": "https://thefeministvegan.com/blog/takecareofeachother", "date": "2018-05-25T11:02:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794867085.95/warc/CC-MAIN-20180525102302-20180525122302-00546.warc.gz", "language_score": 0.9779968857765198, "token_count": 863, "dump": "CC-MAIN-2018-22", "global_id": "webtext-fineweb__CC-MAIN-2018-22__0__11018238", "lang": "en", "text": "On Taking Care of Each Other\nI had a fascinating conversation yesterday with my Dutch friends about cultural differences between the Netherlands and the United States. The family I’m staying with here in Sassenheim spent four years living in my hometown in California, so they’re well-versed in our way of life on the other side of the Atlantic.\nAt dinner last night, talk inevitably turned to politics and the current administration. I explained that despite four attempts by the Republicans to repeal the law, the Affordable Care Act is still in place. We discussed the differences between our two countries’ political systems - here in the Netherlands, there are over eighteen political parties with seated representatives, compared to our paltry two - and how dismal the social safety net is in the United States, especially when compared to the robust protections here.\nMy Dutch friends know how expensive healthcare is in the U.S. and how little the government provides for the safety and wellbeing of residents there. Income inequality is much lower in the Netherlands, they explained, due to protections here that ensure a basic quality of life regardless of one’s ability to work. The system sounds excellent. Rates of homelessness and poverty are minuscule, relatively speaking, and there is a strong belief in universal healthcare across all political parties, from the ultra-conservatives to the Communists. To say that I wish that the U.S. government protected basic rights like this would be the understatement of the year.\nI said something to that effect to my friends, and one looked at me and paused.\n“Yes,” she said, “The government should provide for people in this way. But something that I miss about the U.S. is how people took care of each other. Here, because the government takes care of us, that doesn't happen as much.”\nI was taken aback. I have long touted the social benefits of a strong governmental safety net, but I had never considered whether such a system would also have social costs.\nMy friend went on to explain that in her experience living in California, people took care of each other. Neighbors dropped off homemade gifts around the holidays, friends visited each other in the hospital, and anonymous donors sent checks to cover the school fees for kids whose families couldn’t afford to pay them. There’s a system of communal care based on reciprocity, because everyone knows that your misfortune today could be mine tomorrow. That doesn’t happen here, she said. Everyone knows that we have protections if disaster strikes, and so we don’t take care of each other outside the family.\nShe used the example of what happened in my neighborhood when the largest wildfire in California history loomed in the hills behind my family’s house. Everyone was knocking on each other’s doors, calling to check in, and ensuring that everyone was accounted for on my street. My mother and a couple other people physically pulled an elderly neighbor, who was fast asleep, out of her house as the flames leapt toward our houses. There were no officials there to evacuate us; we did it ourselves, and we made sure everyone was out and safe. In the Netherlands, she said, everyone would just run.\nI’d never thought about it before, but she was right. Especially in my adopted home of Washington, DC, people really took care of each other. I was in countless message threads and Facebook groups centered around community care. If someone couldn’t pay rent, we chipped in; if an activist needed money for legal fees, we paid them; if someone was hurt, we set up a GoFundMe to pay for their medical bills. I hate that any of this was necessary in the first place; in a just world, no one would want for any of these basic, essential things. But that is not the world we live in, and in the gaping void torn open by capitalism and corruption, communities flourish. In spite of toxic, oppressive forces that try to isolate us, we take care of each other. I refuse to stop fighting for the protections that would render these networks of care less necessary, but I can celebrate their existence in the meantime.", "domain": "economics"}
+{"url": "http://yoursaucepans.blogspot.com/2012/10/chivirico-tries-to-open-bank-account.html", "date": "2020-01-20T09:49:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579250598217.23/warc/CC-MAIN-20200120081337-20200120105337-00096.warc.gz", "language_score": 0.9952520728111267, "token_count": 873, "dump": "CC-MAIN-2020-05", "global_id": "webtext-fineweb__CC-MAIN-2020-05__0__167373437", "lang": "en", "text": "Chivirico came to the bank with me a couple of weeks ago and was totally fascinated by the ATM machine. The fact that I put my card in, and money came out astounded him. He stood there watching wide eyed as more people used the machine, and from that moment all he wanted was a bank card so that he too could go and use the machine.\nI explained to him that you have to have an account with the bank, with money in it, in order to be able to take money out of the machine. That was it. His sole purpose became earning money to open a bank account. He has washed the car (well the bottom half of it);\nFed the dogs.\nEach time he gets paid a few pesos, but straight away goes to the colmado to spend them on a biscuit or sweets. I explained to him that if he spent all his money as soon as he had it, he would never have any to put in the bank. His reply was that he was hungry and it was more important to eat than put money in the bank and he could only save money if he wasn't hungry.\nThe discussion continued over a game of dominoes and I said that if he had 10 pesos he should spend 5 pesos on a biscuit and then save 5 for the bank. That appeared to be a satisfactory solution, and within a few days he had 15 pesos saved and we were prepared to go to the bank the next day to see about opening an account. He was beside himself with excitement.\nThe next morning arrived and once school was over Chivirico came to the house and announced he could not go to the bank as his father had come to the house and taken 10 of his 15 pesos to give to his brother and sister. His father had told him it was very important to share. This of course is true, especially in this country, and I remembered being in hospital when I was 5 to have my tonsils out and my grandmother sent me a box of chocolate teddy bears. The nurses told me it was important to share them with all of the children on the ward, with only one for me. I remember being heartbroken and furious at having to share my chocolate teddy bears so it was interesting to see that Chivirico just accepted that it was the right thing to do share his hard earned cash with his siblings, although it meant that going to the bank was on hold until he could earn some more money.\nThe next day he earned some more, so off we went to the bank with 11 pesos.\nWe arrived there during lunch hour and so the bank was nearly empty. Chivirico sat down and put his 11 pesos on the counter and announced he would like to open an account. Unfortunately the children's accounts need a minimum of 500 pesos to open them, and he would not be able to have a card to take money out of the machine, it comes with a savings book. The account must be opened by an adult and it is that adult who can take the money out, although Chivirico can pay it in. In order to open the account he just needs an adult to do it, a copy of his birth certificate – and 500 pesos. He went into great detail at the bank about how he was earning money, and that it was best not to spend it all on sweets, concluding by saying he needed the money to buy a Jeep. All of the bank staff were in total hysterics.\nAlthough disappointed, he was not defeated. We got home and he made a money box out of a Gatorade bottle, and I have told him when it is full then we can go back to the bank and open his account. We just need to decide who the responsible adult will be! The money in the bottle appears to be going up and down, although it is counted several times a day. I think it is probably being raided for sweets and biscuits at the colmado.\nOne day he will have his bank account. In the meantime, if you want to keep up with his activities on a regular basis, he now has his own Facebook page, set up by one of his fans - Chivirico the Body Guard.", "domain": "economics"}
+{"url": "http://madisoncollegebookstore.com/home.aspx", "date": "2016-08-26T19:54:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-36/segments/1471982296571.15/warc/CC-MAIN-20160823195816-00292-ip-10-153-172-175.ec2.internal.warc.gz", "language_score": 0.8659228086471558, "token_count": 130, "dump": "CC-MAIN-2016-36", "global_id": "webtext-fineweb__CC-MAIN-2016-36__0__85263106", "lang": "en", "text": "Fall financial aid book charge dates: August 22-September 9\nOrders not picked up after 15 business days (Monday-Friday) from the date of the order will be refunded less a 25% restocking fee.\nTextbook Buyback (D1501)\nAugust 29-31 8:30am-4:30pm\nSemester Extended Hours\nMonday-Thursday 7:00 a.m. to 7:00 p.m.\nFriday 7:00 a.m. to 4:30 p.m.\nSaturday, August 27 9:00 a.m. to 1:00 p.m.", "domain": "economics"}
+{"url": "https://www.targetwire.com/cybit/2008/06/11/cyb313/cyb313_uk.html", "date": "2023-06-05T20:46:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224652161.52/warc/CC-MAIN-20230605185809-20230605215809-00315.warc.gz", "language_score": 0.9155080914497375, "token_count": 861, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__218256010", "lang": "en", "text": "Cybit, the UK's leading online Telematics Service Provider, has signed an exclusive partnership agreement with Ford Motor Company, to provide a fully managed service branded 'Ford Fleet Telematics' solution for Ford Fleet customers.\nThe agreement provides a framework that formalises Cybit's relationship as Ford's appointed telematics partner. Under the terms of the agreement, Cybit has exclusive telematics access to Ford's detailed and confidential CanBus coding information, which allows Cybit software to interface with the existing Ford CanBus systems on the current Ford Transit and Transit Connect models. This enables Ford Fleet customers to have confidence in the accuracy of the reports generated using CanBus data.\nCommenting on the partnership Richard Horsman, Cybit's Chief Executive Officer said: \"We have an established relationship with Ford, which has led Cybit to help develop and power Ford’s own branded Fleet Telematics solution. This enables Ford Fleet customers to realise operational cost and productivity benefits whilst also helping them manage their duty of care requirements.\n\"We are delighted to be working with the most prominent brand in the commercial vehicle market to bring significant benefits to Ford's Fleet customers.\"\nThe use of Cybit's fleet tracking and vehicle data technology will enable organisations to make strategic business decisions and to reduce costs from their fleets in a range of areas - from fuel usage to preventative vehicle maintenance. The vehicle tracking software integrates with Ford's CanBus vehicle management system to generate customised reports on a wide range of vehicle movement or driver performance indicators that enable strategic fleet management and identifies opportunities for drivers to improve their skills through training.\nThe system works via an unobtrusive GPS device located inside the vehicle that provides real-time positioning information which when collated is combined with CanBus data and transmitted via O2's GPRS network to Cybit's servers. This data is processed into a broad spectrum of user defined strategic reports, providing real-time fleet visualisation or historical analysis, and then distributed via the internet.\nCybit is a global force in Telematics, operating within three core sectors: Internet-based vehicle Telematics solutions; Economic Exclusive Zone (EEZ) Management; and Private Mobile Radio (PMR) based asset tracking and precise positioning solutions.\nIn the vehicle Telematics sector, Cybit is one of Europe's leading Telematics Service Providers (TSPs). More than 1,700 business to business clients use the company's fleet and asset management solutions to manage in excess of 45,000 assets primarily in the public sector, service industries and logistics and distribution markets. Solutions include in-vehicle technologies, work flow management, CanBus integration and internet-based monitoring and reporting software. The company also provides consulting services to advise on operational and legal issues such as duty of care and working hours.\nCybit is also a global leader in the field of EEZ fisheries management, tracking many thousands of fishing vessels on a daily basis. The company provides vessel monitoring and catch management solutions for many of the world’s major fishing nations. As well as EC governments including the UK, Ireland and Greece, Cybit helps to manage valuable fishing stocks for emerging nations such as Ghana, Namibia and Mozambique\nCybit's PMR business provides asset-tracking and precise positioning solutions for both maritime and land-based applications including exploration and mining. Its precise positioning solutions are in constant use in the location and exploitation of oil, gas and mineral reserves around the globe.\nAdditional information is available at www.cybitholdings.com, www.cybit.co.uk, www.truck24.com, www.amatics.com, www.cybitpositioningsolutions.co.uk and www.bluefinger.com\nIBA - PR for Cybit\nTel: 01780 721 433\nMarketing Manager, Cybit\nTel: 01480 389100\nIssuers of news releases, not Targetwire, are solely responsible for the accuracy of the content.", "domain": "economics"}
+{"url": "https://forum.vzy.co/t/paystack-integration-parity-pricing-for-nigerian-users/155", "date": "2024-02-24T02:17:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474482.98/warc/CC-MAIN-20240224012912-20240224042912-00571.warc.gz", "language_score": 0.9105654954910278, "token_count": 451, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__130198325", "lang": "en", "text": "At Vzy, we’re committed to making website building accessible and affordable for everyone, no matter where you are in the world. We understand the importance of providing fair and equitable pricing, and we’re thrilled to announce our partnership with Paystack, which allows us to offer Parity Pricing for our Nigerian users.\nParity Pricing means that Vzy’s incredible website-building capabilities are now available to Nigerian users at prices that are aligned with the local market. We believe in providing the same value and quality to all our users, and Parity Pricing ensures that our Nigerian users can enjoy all the benefits of Vzy without breaking the bank.\n- Basic Sites: Our Basic plan, which typically costs $15 per month, is now available for just N7500 per month in Nigeria. And if you prefer to pay annually, you’ll get an even better deal at just N60000 per year.\n- Pro Sites: For those looking for advanced features and capabilities, our Pro plan, usually priced at $35 per month, can be yours for only N17500 per month in Nigeria. And the annual pricing for Pro sites in Nigeria is an incredible N150000 per year.\nWe understand that currency exchange rates can fluctuate, and the cost of living varies from one country to another. To ensure fairness and affordability for our Nigerian users, we’ve set our Parity Pricing based on a discount rate of N500 to $1. This means that you’ll enjoy significant savings when compared to the parallel market rate, which can be as high as N1000 to $1.\nVzy Paystack Integration is a game-changer for Nigerian users. It means that you can create stunning, feature-rich websites without worrying about exorbitant costs or unfavorable exchange rates. With Vzy, you have access to powerful website-building tools at a price that aligns with your local economy.\nWe invite all our Nigerian users to join the Vzy community and experience the freedom of creating beautiful websites with ease. Whether you’re an entrepreneur, a blogger, or a small business owner, Vzy empowers you to bring your online vision to life without financial barriers.", "domain": "economics"}
+{"url": "https://www.dentistarmidale.com.au/dentist-henley-brook-how-much-does-the-dentist-cost/", "date": "2023-12-02T01:19:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100309.57/warc/CC-MAIN-20231202010506-20231202040506-00140.warc.gz", "language_score": 0.9516898989677429, "token_count": 933, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__32917555", "lang": "en", "text": "Dentist offers a wide range of dental procedures at affordable, capped costs, with payment choices to fit your budget – so you can budget ahead of time and know exactly how much your dental treatment will cost.\nDentist Henley Brook cost also provides a unique dental Member Program, which helps you save even more money on your dental treatments in the long run, unlike many other dental practices.\nAssisting you in budgeting for your dental care in Dentist Henley Brook\nMany people put off going to the dentist Henley Brook because they are afraid of unknown charges or unforeseen charges. As a result, we provide interest-free payment options.\nOur whole range of dental treatments includes low capped rates and flexible payment options to meet your needs. So you can budget ahead of time and know exactly how much your dental procedure will cost.\nDoes private health insurance pay for dental care?\nMany Australians pay for dental care using private health insurance. Most health insurance plans will only cover around half of the cost, leaving you to foot the bill.\nVarious health funds have different policies. There are variances in what they will pay for and what they will cover. There may also be annual restrictions on how much you may claim. Before receiving dental care, it’s critical to double-check what’s covered under your policy.\nIn the ‘General treatment, Extras or Ancillary’ part of your policy, you may find out what your health fund covers. Because various funds use various phrases to describe what they will pay for, you should read the policy carefully:\n- X-rays, exams, cleaning and polishing, fluoride therapy, tooth extractions, and fillings are all part of routine dental care.\n- Crowns, veneers, bridgework, implants, and dentures are examples of major dental work.\n- Some health plans have preferred providers, which means you’ll see dentists who they recommend. You receive lower prices, more outstanding refunds, and more preventative services this way, but you don’t have as many dentists to choose from.\nHow long does professional teeth whitening last?\nProfessional whitening is not a permanent treatment and must be maintained, but it may last longer than a home remedy. Henley Brook Professional teeth whitening effects are predicted to last anywhere from six months to several years, but over-the-counter teeth whiteners may only last a few weeks.\nDentist Henley Brook: What are the different types of veneers?\nPorcelain is the most frequent material for dental veneers. Traditional dental veneers require more prep work than alternatives, commonly referred to as “no-prep veneers.” These no-prep veneers, including Lumineers and Vivaneeres, take less time to install and are less intrusive.\nVeneers are not the same as crowns or implants. Veneers are thin shells that cover the front of the teeth. Implants, on the other hand, are tooth replacements that replace the complete tooth. Veneers cover the tooth’s front surface, whereas crowns enclose the entire tooth (which is visible with a smile).\nHow much do veneers cost?\nVeneers in Dentist Henley Brook are considered a cosmetic operation; they are seldom covered by insurance. According to the Consumer Guide to Dentistry, traditional veneers can cost anywhere from $925 to 2,500 per tooth and can last anywhere from 10 to 15 years. No-prep veneers range in price from $800 to $2000 per tooth and last 5 to 7 years. Traditional veneers are frequently the most cost-effective solution in the long run.\nThe cost of your veneers is determined by a variety of factors, including the type of veneers you choose, the brand name your dentist has on hand, the cost of living in your location, and the dentist’s experience.\nHow often do you need to go to the dentist?\nEvery year, the Australian Dental Association (ADA) surveys dental practitioners to get average pricing statistics on more than 120 dental procedures.\nThe average cost of a periodic check-up, which includes an inspection, scale and clean, and fluoride treatment, is roughly $215, according to ADA statistics from 2019.\nHowever, prices vary widely across dentists; the lowest will set you back $156 for those three products, while the most costly would set you back $296.", "domain": "economics"}
+{"url": "http://www.thedoorways.org/help-us-thrive/give-financially/", "date": "2015-07-30T08:06:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-32/segments/1438042987155.85/warc/CC-MAIN-20150728002307-00173-ip-10-236-191-2.ec2.internal.warc.gz", "language_score": 0.9373897910118103, "token_count": 474, "dump": "CC-MAIN-2015-32", "global_id": "webtext-fineweb__CC-MAIN-2015-32__0__105547107", "lang": "en", "text": "Medical crises take no vacation, occur in good economies and bad, and strike people at all income levels. But thanks to generous donors, The Doorways is open 24/7, 365 days a year, through good times and bad, for all of our guests, regardless of their ability to make a donation for their stay.\nThe Doorways counts on annual contributions from churches, foundations, civic and veterans organizations, businesses, and individuals, including guests and former guests to serve the approximately 8,000 guests who stay with us each year.\nWe welcome gifts of all types, including checks, Visa, MasterCard, Discover or American Express. We will work with you and your financial advisors to maximize the tax benefits for you and the value of your gift. Gifts can be deducted from your adjusted gross income on your tax return.\nOur most critical financial need is funding for day-to-day operations, because our House, just like yours, has heating, air conditioning and maintenance costs. And, while volunteers provide many services for The Doorways, a small staff is still necessary to keep everything running smoothly.\nEvery dollar makes a difference!\nOnline Giving Gifts and pledges can be made online here.\nSend checks made payable to The Doorways to:\n612 East Marshall Street\nRichmond, VA 23219\nHonorariums and Memoriams\nA gift to The Doorways is a thoughtful way to honor a milestone important to your family and friends, or to celebrate the life of a loved one whose memory will live on not only in your heart, but also in our mission.\nGifts of Stocks or Bonds\nA gift of long-term appreciated securities has two major advantages. It provides the donor with an immediate income tax deduction and eliminates a capital gains tax to the extent allowed by tax law. Typically donors have stock transferred from their brokerage account to the account The Doorways holds with Merrill Lynch. Electronic transfer is the safest and fastest way to give stock to The Doorways. Instruct your stock broker to transfer your shares to:\nMerrill Lynch DTC #5198\nMerrill Lynch #75804009\nIf you have any questions regarding the transfer or stocks or securities, please contact Shawn Walker, CFO, #804-828-6901.\nTax Id # 54- 1240348", "domain": "economics"}
+{"url": "https://senatordidomenico.com/press-release/massachusetts-legislature-passes-resolution-encourage-corporate-gender-diversity", "date": "2020-09-20T10:06:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400197946.27/warc/CC-MAIN-20200920094130-20200920124130-00320.warc.gz", "language_score": 0.9536126852035522, "token_count": 708, "dump": "CC-MAIN-2020-40", "global_id": "webtext-fineweb__CC-MAIN-2020-40__0__78959110", "lang": "en", "text": "BOSTON— Senator Sal DiDomenico and his colleagues in the Legislature unanimously adopted a resolution to encourage equitable and diverse gender representation on boards of companies in the Commonwealth. The Senate passed the resolution in July, followed by the House of Representatives in October. Senator DiDomenico was a co-sponsor of this resolution.\n“This resolution will help to ensure that women continue to play a key role in driving the health of the Commonwealth’s business climate and the success of our economy”, said Senator DiDomenico, Vice Chair of the Committee on Ways and Means. “By actively promoting diversity and gender equity in Massachusetts’s businesses, we are also committing to the long term success of our companies. While this resolution makes a declaration of Massachusetts’s commitment to fairness and equality, it will also help to ensure that we continue to remain an attractive place to conduct business.”\n“This is not just a women’s issue or a family issue. This is also a business issue,” said Senator Karen Spilka, Chair of the Senate Committee on Ways and Means and the lead Senate sponsor of the resolution. “Research consistently shows that businesses with greater gender diversity in their leadership ranks have a competitive advantage. The future of the Massachusetts economy depends on bringing the best talent to the table. With this resolution, we are making a strong statement of public policy that Massachusetts values equality, justice and diversity.”\n“This resolution encourages the Massachusetts businesses to become national leaders in expanding the number of women as board members,” said Senate President Stan Rosenberg. “Diversity in leadership allows for a variety of perspectives when making important decisions on the direction of companies and nonprofits.”\nThe Women on Boards resolution had support from 62 co-sponsors in the Legislature, the Alliance for Business Leadership, 2020 Women on Boards, local advocates and business leaders. The legislation encourages privately held and publicly traded companies in Massachusetts to:\n- Adopt policies and practices designed to increase the gender diversity in their boards of directors and senior management groups and set goals by which to measure their progress;\n- Publicly disclose the number of women and total number of individuals on their boards of directors; and\n- Have a minimum of three women directors on boards of nine or more and a minimum of two women directors on boards with fewer than nine directors by December 31, 2018 AND measure their progress toward a goal of equal representation of men and women in leadership positions on an annual basis.\nThe Boston Club’s 2014 Census of Women Directors and Executive Officers of Massachusetts Public Companies reports that women hold 14.9% of the board seats and 11.8% of executive officer positions in the 100 largest public companies in Massachusetts. Twenty-four of these companies have no women on their boards of directors, 46 have no women executive officers and 19 have no women on their boards of directors or in their executive suites.\nA 2014 Credit Suisse report that analyzed over 3,000 companies across the world found that greater gender diversity on boards of directors and in management “are empirically associated with higher returns on equity, higher price/book valuations and superior stock price performance.” In addition, the authors “find no evidence that female led companies reflect greater financial conservatism where leverage is concerned [and] dividend payout ratios have been shown to be higher.” Additional reports reinforce the correlation between greater gender diversity in top management and enhanced corporate performance.", "domain": "economics"}
+{"url": "http://www.wb.com.au/contact-us/", "date": "2013-05-24T07:21:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368704288823/warc/CC-MAIN-20130516113808-00073-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9273666739463806, "token_count": 140, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__41357360", "lang": "en", "text": "WB Financial has 17 offices Australia-wide along with the Head Office (Licence) which is located in Brisbane. Our team of Advisers service most capital cities and are also able to assist clients that may not be located within close proximity to an office.\nFree Call 1800 458 044\nHead Office: Ground Floor, 32 Logan Road Woolloongabba QLD 4102\nWB Financial is inclusive of WB Financial Management Pty Ltd (ABN 71 073 303 885) Australian Financial Services Licence holder (No. 236 839) and WB Credit Management Pty Ltd (ABN 35 145 548 018) Australian Credit Licence holder (No. 386 671).", "domain": "economics"}
+{"url": "http://www.pokerjolt.com/news/poker-news/296/Zynga-Poker-makes-1-14-billion-", "date": "2017-04-27T05:14:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121869.65/warc/CC-MAIN-20170423031201-00319-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9630115628242493, "token_count": 282, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__248036100", "lang": "en", "text": "Zynga Poker makes $1.14 billion\nZynga, the rising star of facebook, reports record revenues for 2011\n|by Alligator Blood||February, 17th 2012||\nAbove: Zynga Poker, the rising star of facebook, is booming\nZynga Poker has reported staggering record revenues of $1.14 billion.\nThe firm behind facebook's most popular games, including Farmville and Words with Friends, also said the huge rise in income was set to continue this year.\nBut the online gaming giant still made a loss because of a monster $510 million tax bill and IPO costs.\nSince it launched in 2007, Zynga Poker has become one of the most popular games on the internet with 35 million regular players globally.\nThe firm is set to move into real-money poker later this year and has also positioned itself as a dominant force in the mobile/apps market.\nIt is currently valued at $8.3billion on the New York Stock Exchange.\nZynga was one of the first companies in the world to launch a 'Timeline App' on the new-look facebook last month. Only 60 firms globally have so far launched the apps, which are expected to dominate the social networking site this year as it seeks to commercialise its user base in the run up to its own stock market floatation.", "domain": "economics"}
+{"url": "https://ktvq.com/news/trending/2019/07/10/dow-poised-for-fourth-down-day-ahead-of-powell-testimony/", "date": "2019-07-17T08:47:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195525133.20/warc/CC-MAIN-20190717081450-20190717103450-00519.warc.gz", "language_score": 0.967801034450531, "token_count": 515, "dump": "CC-MAIN-2019-30", "global_id": "webtext-fineweb__CC-MAIN-2019-30__0__173162778", "lang": "en", "text": "The Dow rallied on Wednesday and the S&P 500 crossed 3,000 points for the first time ever on the back of prepared remarks from Federal Reserve Chairman Jerome Powell, who hinted that a rate cut is coming.\nPowell, who is beginning his biannual congressional testimony on Wednesday, pointed at economic crosscurrents, including “uncertainties around trade tensions and concerns about the strength of the global economy [that] continue to weigh on the US economic outlook.” He also noted inflation continued to run below the Fed’s target.\nInvestors read that as a sure sign that the Fed plans on cutting its interest rates at its next meeting later this month.\nStock futures had been in the red Wednesday morning but turned higher after the remarks were published ahead of the opening bell.\nThe S&P 500 bounced 0.7% higher. The Nasdaq was up 1%. The Dow was up 0.7%, or 188 points, marking its first higher open in four days. The Dow logged its third consecutive close in the red on Tuesday.\nBoth the S&P 500 and the Nasdaq hit intra-day record highs just a few minutes into the trading day.\nMarket expectations of a near-term interest rate cut had dominated for weeks until last Friday’s jobs report. The better-than-expected data suggested that the economy might not need the boost that a rate cut would provide.\nOn Tuesday, Philadelphia Fed President Patrick Harker said he didn’t see any need for interest rate changes. He said he would consider a rate cut if the economy weakened substantially, according to The Wall Street Journal.\nBut Powell’s remarks on Wednesday seemed to send a clear signal to the market. Expectations for a rate cut, measured by the CME’s FedWatch tool, returned to 100%, with 84% expected a 25 basis point cut. It had slipped to 96% earlier Wednesday, after sitting at 100% for week.\nLower interest rate make it cheaper for companies to borrow money and are thus supportive for the stock market.\nPowell’s testimony will be followed by the minutes of the Fed’s June meeting, which will be released at 2 pm ET. On Thursday Powell will appear before the Senate Banking Committee.\nYields on US government debt, which is in part driven by interest rate expectations, dropped initially on Powell’s remarks but bounced back. The 10-year US Treasury yield is little changed at 2.0647%.", "domain": "economics"}
+{"url": "http://www.susannebosch.de/115.0.html", "date": "2019-06-18T17:54:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627998808.17/warc/CC-MAIN-20190618163443-20190618185443-00112.warc.gz", "language_score": 0.952333390712738, "token_count": 1253, "dump": "CC-MAIN-2019-26", "global_id": "webtext-fineweb__CC-MAIN-2019-26__0__168082472", "lang": "en", "text": "How Much Do I Owe You? A vacant bank is transformed into a site-specific art exhibition that asks the public to reflect on their relationship to contemporary systems of exchange. 12 Dec 2012 -13 March 2013. The Clock Tower, 29-27 41st Ave, Long Island City, Queens.\nI presented a video documentation of the \"Left-over Penny Campaign\", Germany 1998-2002, 43 min11 sec, English.\n“Left-over Penny Campaign”\nCONTENT OF THE VIDEO\nThe Restpfennig Campaign collected unused economic and intellectual capital – ideas and wishes – in the form of one German Pfennig coins from 1998-2002. 13 tons of coins were collected in public space throughout Germany. The public collection sites were located in Berlin (Alexanderplatz), Munich (Marienplatz) and Nuremberg (Königstrasse), as well as smaller collection sites and thousands of private collection boxes. 1,601 ideas and wishes were gathered through letters, e-mails and interviews. An integral element of the concept was to involve the public in the decision-making process of what should happen with the collected coins and visions. 1,087 people applied to be a part of the decision committee. Of these, twelve were randomly selected on 3 April 2002 in a public event and invited to decide which of the 1,601 ideas and wishes should be realised.\nThe committee met for two weekends in May and June of 2002 in the ACC Gallery in Weimar. On the first weekend, they collectively worked out a list of criteria and they decided upon rules for voting. On the second weekend, they chose four wishes.\nIn June and July of 2002, all of the collection boxes were emptied, publicly sorted and brought to the appropriate national banks for depositing. Over the four and a half years, hundreds of thousands gave their spare pennies. There were 1,601 idea donors and approximately 500 people actively helped the project. Many institutions, government officials, prize juries, decision makers and private citizens helped to make this project possible. The wishes were realized between 2002-2007.\nAs an art project in public space, the Restpfennig Campaign posed three questions:\n1. The potential of art to work in societal contexts.\n2. The principle of people cooperating and working together.\n3. The responsibility of the individual in regard to its unexploited creative potential.\nThe Restpfennig Campaign was my artistic attempt to take the responsibility \"to make the future, that we want or do not want, an object of civic discourse.\" The Restpfennig Campaign accumulated cultural capital in the form of a comprehensive wishing and idea archive; it accumulated social capital in form of the interested people and volunteers as well as economic capital in the form of approximately 13 tons of coins – not to mention project funding. ‘’To collect left-over pennies is an economic nonsense’ was a pivotalstatement at the beginning of the project in 1998. It was a crucial question, whether and how it could succeed to move these quantities of 'waste money' in such an economically driven world and then convert it into intellectual capital. A further, crucial question related to the decision-making process regarding this accumulated capital, which was delegated to a representative public. Thanks to thousands of hours of unpaid work, project funding, sponsoring as well as a full-time volunteer it was possible to use the largest part of the Restpfennig mountain for the realization of the selected four wishes. My three initial questions could be answered positively despite the ‘economic nonsense’: the visionary potential of an idea could accumulate an immense cultural and social capital. Thousands of people participated on their own impulse. Unused capital of this kind exists in our society. In 2003, a book was designed to give an adequate form and public to the intellectual capital of the project (desires and ideas). The desires and ideas form an important part of this art project; they are the engine of my work. Furthermore the book served the reflection of this work.\n When the committee met on the first weekend in May 2002, they worked out a list of criteria and they decided upon rules for voting.\nThe list of criteria was as follows:\n1. The idea must be able to be realised with the pennies/ materials to hand\n2. The idea must come from the idea pool\n3. The idea is defined in a way that can be realised\n4. The idea is effective and sustainable\n5. Synergies are recognisable\n6. The idea is immediately effective/ clearly effective/ concretely effective\n7. The art/ the identity of the Restpfennig Campaign must be retained\n8. The idea is accessible\n On the second weekend in June 2002, they chose four wishes:\n1. Wish 1485: The preservation of the mountain of pennies in a smaller form. 250 kg of the coins (approximately\n10 buckets) should to be taken from the collection sites and preserved as a symbolic mountain of pennies.\n2. Wish 995: To set up and realise an Artistic Idea Competition: since this was a very complex idea, the committee decided to support an existing artistic competition. The artist group finger called for submission for \"Evolutionary Cells – A Self-Representative Design of Societal Perspectives\". They were given a grant of\n€6,000: €5,000 to award their chosen favourites and an additional €1,000 to cover the administrative costs for the project. [Online] Available at www.evolutionaere-zellen.org [accessed 12 February 2012]\n3. Wish 631: Seating in public space: working together with artists and/ or participants in the cities of Berlin,\nMunich and Nuremberg, seating was created. All three projects were finalised by 2007.\n4. Wish 1400: Covering costs of the project: any open costs of the Restpfennig Campaign should be covered (with the foreign currency coins); the artist Susanne Bosch should not be required to bear these costs.", "domain": "economics"}
+{"url": "https://diamondretirement.com/about/", "date": "2024-02-26T08:43:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474653.81/warc/CC-MAIN-20240226062606-20240226092606-00441.warc.gz", "language_score": 0.9720869064331055, "token_count": 474, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__60145083", "lang": "en", "text": "Daryl is an author and educator on the subject of using your assets to realize the greatest amount of security and satisfaction during the retirement years. He is well-known among his peers as one of the first financial advisors in Canada to identify the special skills and knowledge required to effectively and efficiently address the needs of the retirement income market. His work focuses on helping retirees reconcile their varying needs for income and lifestyle fulfillment as they progress through different stages of their retirement.\nAlthough no longer working directly with individual clients, his Winnipeg, Manitoba-based practice, Diamond Retirement Planning Ltd, was dedicated to this service as well as the specialized investment strategies, health-risk management issues and wealth transfer considerations that are unique to this market. Of his 45 years in the financial services industry, the last 30+ years have been dedicated to the specialized area of retirement income planning. His current focus is on advisor education and training.\nHe has published four retirement income guides. “The Structure of Retirement Income” was released by CCH Publications in 1998. His second book “Buying Time” was first published by John Wiley and Sons in 2003.\nYour Retirement Income Blueprint\nHis signature book, “Your Retirement Income Blueprint” was released in April 2011 and updated for re-release in 2014 and 2019 as a Canadian best seller.\nRetirement for the Record\nIn October 2020, his latest book, “Retirement for the Record” was released. As a companion to Blueprint, this was a legacy project for Daryl, combining the accumulation of more than 30 years of experience in this specialized area of financial planning with his love of an inspirational era of music for the Baby Boomers. “Retirement for the Record” is a collection of real-life client stories that every retiree can relate to, in short and concise chapters. A brilliant combination of technical information on retirement income planning combined with relevant musical references from ‘our time’ drives the point home and engages the reader with memories of a time when some of the best music ever made was the soundtrack of our life.\nDaryl is currently the Chief Retirement Income Strategist for Dynamic Funds. Sign in to LinkedIn to find his posts and podcasts here.\nMember: The Financial Planning Standards Council of Canada\nMember: The Financial Advisors Association of Canada (Advocis)", "domain": "economics"}
+{"url": "https://urgentbusinessforms.com/personal_financial_statement/", "date": "2023-03-21T14:31:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943698.79/warc/CC-MAIN-20230321131205-20230321161205-00023.warc.gz", "language_score": 0.8989744782447815, "token_count": 882, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__208980492", "lang": "en", "text": "Download our personal financial statement software and create your own professional-looking financial statement today. Our powerful, yet easy-to-use software lets you complete your personal financial statement quickly and easily.\nYour purchase includes the following:\n> Free email and phone support\n> Free download again at any time\n> Free software updates\n> Free backup USB drive mailed to you\n> One-time payment\nOur personal financial statement software is used by those looking to get a loan, buy real estate, file for divorce, plan a budget, or engage in other situations that require a professional looking personal financial statement.\nOur personal financial statement software is also used by business owners, investors, tax preparers, financial planners, CPA’s, and accountants.\nLenders, banks, landlords, and other businesses require a personal financial statement to evaluate collateral, assets, and to look at a person’s expenses, long-term liabilities, and net worth.\nOur personal financial statement software covers these topics and more:\n- Checking and savings accounts\n- Monthly expenses\n- Assets and liabilities\n- Net worth\n- Financial information for individuals and couples\n- Real estate owned (with the ability to list unlimited properties)\n- Vehicles, boats, planes and other assets\n- Personal and home assets\n- Credit card debt\n- Unpaid taxes and liens\n- General debts payable\n- Stocks, bonds and retirement funds\n- Preparer’s information\nOur #1 rated software covers important topics that are required by banks, businesses, and courts – including bankruptcy and divorce.\nOur personal financial statement software will….\n- Automatically add up all the numbers in each category.\n- Automatically transfer the number from each category to the totals row in both the assets and liabilities column. (Example: You own 10 different pieces of real estate; our software will automatically total the values for all ten properties and then transfer the total to the column for all real estate owned).\n- Calculate both annual and monthly totals for income and expenses.\n- Calculate what percentage of the total the number entered represents.\n- Automatically insert lines as you need them in each category.\n- Print or e-mail your personal financial statement as a PDF document.\n- Create as many personal financial statements as you like, for yourself or others.\n- Password-protect any financial statement you create.\n- Show who prepared the personal financial statement in the preparer’s section.\n- Allow unlimited entries for all categories.\n- Automatically calculate your net worth.\nWhy is our personal financial statement software the best?\n1. Our summary page has features like what percentage of the total each number represents and gives both monthly and annual totals for income and expenses. None of our competitors have these features on their printout or summary page which is the most important part of a personal financial statement.\n2. All reports are detailed and easy-to-read.\n3. Our personal financial statement software is easier to use than others.\nSimply fill in your numbers and all math calculations are automatically done for you. You’re ready to print or email a great looking personal financial statement.\nThe importance of a professional looking personal financial statement cannot be overstated as most businesses and financial institutions require high quality financial statements. We know this because we have provided customized personal financial statement software to some of them.\nWhat’s the difference between the Preparer’s Version and the Regular Version?\nThe preparer’s version is for CPAs, accountants, tax preparers, consultants, and others who prepare financial statements for others. Our website copyright notice is not on the printouts. In addition, the preparer’s version gives you a license to create an unlimited amount of personal financial statements for your clients at no additional charge. The regular personal financial statement is for your own personal or business use and our copyright notice is on the bottom of any printouts created.\nWe have sold thousands of copies of our personal financial statement software, and have thousands of satisfied customers to show for it.\nAll future updates are FREE. We also provide “Crash Protection”: If your computer ever crashes, you can download the personal financial statement software again FREE.", "domain": "economics"}
+{"url": "https://safagrp.com/", "date": "2024-04-18T16:05:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817222.1/warc/CC-MAIN-20240418160034-20240418190034-00248.warc.gz", "language_score": 0.9308788180351257, "token_count": 475, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__142272075", "lang": "en", "text": "About AL-SAFA Group\nAl-Safa Group was established at the beginning of the year 1996. The first store was opened in the British countryside in the same year.\nThe company started its journey with 10 employees with a paid-in capital of 100,000 Saudi Riyal. Today, Al-Safa Group becomes one of the strategic investment groups in the pharmaceutical, retail, contracting, manufacturing and trade sectors in the Kingdom of Saudi Arabia. With total assets exceeding 300 million Saudi riyals, average sales of 400 million Saudi Riyals, and more than 2,000 employees.\nAl-Safa Group is proud of its ancient Saudi heritage and its strong presence in the local arena. We currently have large numbers of markets and commercial centers operating with various products that we produce and distribute in more than 150 points of sale that are spread in the largest and most luxurious commercial centers in all the cities in Saudi Arabia, under the umbrella of retail companies; Al-Safa and Al-Aqd Al-Otor Trading Company are owned by The Beauty Secrets and Natural Touch brands with their global partnerships with pharmaceutical companies represented by Al-Safa Store Company for pharmaceutical.\nAlso, the Arabian Yalin Contracting Company works within the group administration, which is classified as a second contractor specialized in electricity, water, and infrastructure. The company is implementing many major and vital projects as the main contractor for the Ministry of Water and Environment and many small and medium-sized companies as start-up investments that play a key role in strengthening the structure of the group and the diversity of its income sources.\nAl-Safa Store Co. for Pharmaceuticals, Ltd\nAl-Safa Co. for Pharmaceutical and medical supplies With Limited Liability\nAqd Al-Otor Company\nAl-Safa Factory Co. for Concrete Products\nAl Safa Poultry Co. Ltd\nArabian Yalin Contracting Co. Ltd\nAcross Al Safa Advertising Company\nKaram Joudy Co. for Trading\nLeave a Message\n+966 11 420 1015\nPO Box 2769 Abi Bakr Al-Siddiq - Al-Taawon District - 6185 Unit No.: 24 Riyadh 12475-2835", "domain": "economics"}
+{"url": "https://lunate.com/en/news-insights/announcements/lunate-capital-llc-launches-shariah-compliant-etf-tracking-indian-equities", "date": "2024-04-14T13:47:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816879.72/warc/CC-MAIN-20240414130604-20240414160604-00487.warc.gz", "language_score": 0.9094629883766174, "token_count": 885, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__37075771", "lang": "en", "text": "January 12, 2024\nAbu Dhabi, January 12, 2024 – Lunate Capital LLC, an Abu-Dhabi-based management company licensed by the Securities & Commodities Authority (SCA) and a subsidiary of Lunate Holding RSC Limited announced the launch of the Chimera S&P India Shariah ETF (Bloomberg: CHINDSHI), a physical, in-kind, liquid, and fully fungible exchange traded fund (“ETF” or the “Fund”) that will list on the Abu Dhabi Securities Exchange (“ADX”).\nThe Fund will track the performance of Shariah-compliant Indian equities listed on the Bombay Stock Exchange. Investors can subscribe through the six Authorized Participants as well as the ADX eIPO portal from January 12 to January 17, 2024.\nThe Chimera S&P India Shariah ETF, the ninth sub-fund under the Securities and Commodities Authority (“SCA”)-registered Chimera Umbrella Fund, will replicate the performance of the S&P India Shariah Liquid 35/20 Capped Index (Bloomberg: SPISLCAP) (“Index”). The Index is provided by the S&P Dow Jones Indices and tracks the performance of the 30 most liquid Shariah-compliant Indian stocks listed on the Bombay Stock Exchange. Current constituents include Reliance Industries, Infosys, and Tata Consultancy Services.\nThe Fund is an Income Share Class B which is planned for listing on the ADX on January 26. Dividends received by the Fund are intended to be distributed on a semi-annual basis.\nSherif Salem, Partner and Head of Public Markets at Lunate, commented: “The Chimera S&P India Shariah ETF offers investors on the ADX direct access to the world’s fifth-largest stock market and one of the fastest growing economies globally. This ETF is also Shariah-compliant which will appeal to a broader range of investors who prioritize adherence to Islamic financial principles. The Chimera S&P India Shariah ETF enhances the range of ETFs available to investors in the UAE, now giving them direct access to markets in eight different countries worldwide.”\nThe ETF will be managed by Lunate Capital LLC, which is licensed by the SCA as a management company. BNY Mellon will act as the ETFs’ global custodian. Authorized Participants for the Fund are International Securities, EFG-Hermes, Arqaam Securities, FAB Securities, Daman Securities, and BHM Capital.\nAbdulla Salem Al Nuaimi, Chief Executive Officer of Abu Dhabi Securities Exchange, said: “Our congratulations to Lunate for the launch of the Chimera S&P India Shariah ETF. This new listing augments ADX’s status as a premier ETF hub with vital market coverage and extensive reach. The geographical diversification of funds listed on the ADX platform provides investors with the opportunity to access multiple regional and global markets that they might otherwise face difficulty investing in individually. In 2023, ADX’s trading values of ETFs exceeded AED 5 billion, marking a remarkable 160% increase from the previous year. Notably, trading volumes reached 1 million units, reflecting a substantial 205% year-over-year growth. These results underscore Abu Dhabi's position as a thriving capital hub and ADX’s role in offering retail and institutional investors strategic solutions to strengthen and diversify their portfolios locally and globally.”\nMichael Mell, Global Head of Custom Indices at S&P Dow Jones Indices commented: “S&P Dow Jones Indices is pleased to continue working with Lunate Capital LLC and to license the custom S&P India Shariah Liquid 35/20 Capped Index for their new ETF. The Index measures the performance of 30 of the most liquid constituents of the underlying Index listed in India.”\nHani Kablawi, Head of International, BNY Mellon, added: “This latest ETF offering provides further opportunity for investors to access this fast-growing market. As the global custodian for all of Lunate Capital’s ETFs, we continue to support Lunate’s funds with our open architecture platform, ETF expertise and scale.”", "domain": "economics"}
+{"url": "https://mcvma.org/job-board-form/", "date": "2023-09-24T21:24:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506669.30/warc/CC-MAIN-20230924191454-20230924221454-00755.warc.gz", "language_score": 0.9467363357543945, "token_count": 145, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__31069721", "lang": "en", "text": "Once this form is submitted, you will be redirected to our PayPal to enter your payment information.\n- The cost for posting on the MCVMA job board is $500 for three months.\n- In the interest of equity, small BIPOC-owned businesses with less than 20 employees get a 50% discount if the business owner is a member of MCVMA.\n- 10% off for residencies/universities/internships (including private internships)\n- 25% off for non-profits (all sizes)\n- 50% off for small BIPOC-owned businesses (less than 20 employees)\nSubmitters are asked to self-select the appropriate payment based on tier.", "domain": "economics"}
+{"url": "http://www.finnwarner.com.au/our_services/business_services/accounting", "date": "2019-02-23T16:42:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550249508792.98/warc/CC-MAIN-20190223162938-20190223184938-00199.warc.gz", "language_score": 0.9517241716384888, "token_count": 143, "dump": "CC-MAIN-2019-09", "global_id": "webtext-fineweb__CC-MAIN-2019-09__0__151924510", "lang": "en", "text": "Accounting is the window to your business. It is the overall process of identifying, measuring, recording, interpreting, and communicating the results of economic activity; tracking business income and expenses and using these numbers to answer specific questions about the financial and tax status of the business.\nAt Finn Warner & Associates we can prepare your records and receipts to provide an insight into how you organisation is performing. It is not only important to know where you are going, you must work out how to get there and what resources you need to achieve your goals.\nThe services we offer include:\n- Preparation of financial statements\n- Business advice\n- Support of MYOB, QuickBooks, JobBag and other accounting software", "domain": "economics"}
+{"url": "https://verifiny.zendesk.com/hc/en-us/articles/360033496132-DMV-VERIFI-Tip-of-the-Week-72-Short-Reminder-About-Sale-Price-Entries-and-Accuracy", "date": "2022-07-05T00:19:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104506762.79/warc/CC-MAIN-20220704232527-20220705022527-00145.warc.gz", "language_score": 0.8680810928344727, "token_count": 210, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__110996213", "lang": "en", "text": "DMV/VERIFI Tip of the Week, #72\nShort Reminder About Sale Price Entries and Accuracy\nA recent review of VERIFI records revealed thousands of vehicles in dealer records with selling prices of between $1,000,000 and $10,000,000. These amounts are clearly the result of misplaced decimals or otherwise bad data.\nBecause the information contained in the VERIFI system represents your official records, we strongly urge that you double check your entries and make reasonable efforts to ensure the accuracy of your data.\nBelow are some suggestions:\n- Only enter the whole dollar amount in numbers (decimals and commas are not allowed)\n- Round your taxable sale price from your invoice to the nearest dollar amount on all sales prior to entering in VERIFI. (VERIFI automatically populates the “.00” at the end of the entered value.)\n- Double check your entries. (sticky keys, mistypes, etc...)", "domain": "economics"}
+{"url": "https://academic-surgery.com/category/genel/", "date": "2021-05-11T01:46:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243991553.4/warc/CC-MAIN-20210510235021-20210511025021-00588.warc.gz", "language_score": 0.9666997790336609, "token_count": 2050, "dump": "CC-MAIN-2021-21", "global_id": "webtext-fineweb__CC-MAIN-2021-21__0__73372697", "lang": "en", "text": "Tired of waiting for a long time before being treated or operated in their own country, foreigners, especially Europeans, prefer Turkish medical institutions because of their fast and quality procedure.\nTurkey is ranked fourth on the global health tourism list in terms of number of patients served and third in terms of revenue generated.\n“Some 756,000 healthy tourists were welcomed in 2017, generating US $ 7.2 billion,” said Emin Çakmak, founding president of the Turkish Healthcare Travel Council.\nCiting the advanced oncology equipment used in Turkey, he praised the serious investments in the healthcare industry over the past 15 years, which have completely improved Turkey’s infrastructure and technology.\nIn order to advance the currently booming health tourism, the Turkish government announced a series of new regulations and investment incentives for the sector last month.\nAccording to Turkish Finance Minister Naci Agbal, the recently enacted Value Added Tax (VAT) rules provide VAT exemption for foreign patients in Turkey who receive services in this sector. p >\nTurkey, which has achieved a higher level of success with the concept it has created in the sector in recent years, saw a 31% increase in health tourism in 2017, at a time when the The country’s economy is struggling with the depreciation of the Turkish lira.\n“Health and care for the elderly is a very expensive business, many countries are looking for ways to reduce the high costs: with its sunshine, qualified medical facilities, staff and spa facilities, Turkey is a great opportunity ”, according to Agbal.\nFor 2018, Turkey’s medical tourism industry aims to attract 800,000 patients and $ 8 billion in revenue, with East Asia being one of the most promising markets.\nAccording to Çakmak, Turkey welcomed 200 Chinese tourists for aesthetic or anti-aging therapies in 2017, and expects 1,000 Chinese tourists this year because the cost is 50% lower than in Switzerland and the United States.\nIn fact, treatments exist in almost every area of medicine, whether it’s organ transplants, cardiovascular treatments, obesity, or eye surgery.\n“I had to wait up to a year in the Netherlands to have cataract surgery, but here it was done in a few days and I’m really happy with the result,” said Joost Van der Bosh, a foreign patient who underwent surgery in the city of Antalya, southern Turkey.\nTurkey has also become a pioneer in hair transplantation, with people from over 70 countries seeking hair implant services in the transcontinental country.\n“Turkey is one of the leading countries in the world in hair transplantation, and our doctors specializing in health tourism have serious skills,” said Özlem Safiye Kurt, tourism professional medical.\nTurkey’s quality and success in hair implantation has attracted great interest from Saudi Arabia, Kuwait, Qatar and UAE in the Middle East, as well as Germany, Great Britain, the Netherlands, Italy, Spain and France.\nAccording to Kurt, tourists receive hair transplant services in Turkey at half the price than in their own countries.\n“We have had thousands of patients from Europe over the past five years and some of them have come back to have fuller hair,” said a representative from the clinic in Istanbul.\n“The treatment fee also covers a two-night stay in a hotel for patients who want to sightsee in Istanbul, the historic heart of Turkey,” she added.\nIn addition to good coordination between several ministries, the Turkish airline Turkish Airlines, with an increasing number of destinations, also contributes significantly to the flourishing sector.\n“Turkish Airlines flies to over 300 destinations, which makes it a great asset, as patients can also obtain visas online, which makes it easier to travel,” Çakmak said.\nThe hair transplant business is growing around the world. Turkey has established itself as one of the must-see destinations for this hair surgery. Tourists come from all over the world to perform hair interventions in private clinics. There are several reasons for this.\nTurkey, a tourist destination, but not only\nTurkey is renowned for being one of the major tourist destinations in Europe. Every year, millions of tourists go there to have a good time. It must be recognized that it is an attractive destination which has many tourist attractions. The magnificent city of Istanbul, its palaces and mosques, Izmir, the seaside resorts of Antalya and Bodrum… are exceptional sites to discover. But in recent years, this country has not only stood out for its tourist attractions. Another kind of tourism is gaining in importance in the country. This concerns in particular hair tourism. Many foreigners come to this country just to do a hair transplant. On the front line, we find Europeans from Germany, Belgium, France, Switzerland … Foreigners from Saudi Arabia are also well represented.\nWhy has Turkey become an essential destination for hair tourism?\nIf Turkey is in a good position in the field of hair tourism, it is no coincidence. It should be noted that this country has several assets that make it an essential destination for hair tourism. First of all, there is the fact that Turkish clinics specializing in hair transplants offer a quality service. Indeed, this service sometimes has nothing to envy to that practiced in France. Hair interventions are performed by professionals. These surgeons are also experienced and use advanced technology. In addition to the quality of service, it should also be added that the prices charged in this country are cheaper compared to other countries. The price of a hair transplant in Turkey is sometimes 2 to 3 times cheaper than in France.\nIn addition, once your hair transplant is complete, you will have the opportunity to visit the chic places of this country.\nUltimately, Turkey has different strengths that make it a prime destination for anyone who wants to have a hair transplant. Renowned clinics, cutting-edge technology, competent and experienced surgeons, affordable rates… All the conditions are met.\nThanks to attractive services, hair transplants bring in more than one billion euros to the Turkish economy.\nIt’s not the bats, it’s Istanbul’s bat tourists. You inevitably come across them in the vicinity of the many hotels and restaurants in the small streets adjacent to Taksim Square. A band of white gauze around the head often replaces their usual scarf. Their skulls are still pitted with blood-red spots, sometimes purplish with a hematoma. The upper part of the face – the eyes included – is more or less swollen. They are distinguished by their dialect in Arabic: Iraqis, Saudis, Moroccans or other. They are between 35 and 55 years old. Most of the time, we see them at tables or walking in the streets with women and children. Because they often come with their families to extend the main purpose of their trip with a tourist stay: the fight against baldness.\nHair transplantation operations attract more than 100,000 men every year, the vast majority from Arab countries, to the shores of the Bosporus. Among them 30,000 Saudis who reportedly made the trip in 2016. Khaled, 36, is one of them. He had followed the example and advice of his older brother and two of his colleagues at a bank in Jeddah, where he lives. “This decision, which I made after a lot of hesitation, is one of the best of my life,” said the Saudi. “I am relieved every day looking at myself in the mirror. Before, the top of my bald head made me at least ten years old. I very rarely went out bareheaded, ”says the one who wore the traditional keffiyeh most often, like most men in the Wahhabi kingdom. Visibly satisfied with the results of the intervention on his hairstyle, he also praises the reception and medical conditions of the Istanbul clinic where he was operated.\nOn their Arabic page, Turkish hair transplant establishments compete to promote their medical skills. But also the offer of support services to their clients in the Middle East, as well as the postoperative insurance and guarantees they offer. They highlight their long experience, the good results confirmed by the before and after photos, the testimonials of those who “trusted them”.\nThree to five day packages sometimes include the hotel. Usually, a welcome at the airport and a driver for the round trips on the day of the operation are also included. Not to mention the control visit twenty-four to forty-eight hours later. The implantation techniques are detailed, illustrated on the websites. Under local anesthesia and with about 20 injections into the skull, it takes between four and seven hours of operation, depending on the extent of the baldness. The follicles are first removed from the hairy areas, often at the back of the head. Then they are implanted on the smooth skull. “The pain is negligible and all it takes is a simple pain reliever for the next two days to not feel it,” they boast in advertising brochures.\nThe cost ranges from 1,000 to 2,500 euros, depending on the clinic and the size of the operation. “I paid a third of what I was asked to do in Jeddah for the same procedure,” says Khaled. Even counting the travel and the hotel stay, I’m still a winner. ”\nThe advantageous prices of flights from various Arab cities to Istanbul, added to the fact that most nationals of these countries do not need a visa to enter Turkey, contribute to the unprecedented rise of clinics Turkish. There are almost 400 of them in Istanbul alone.\nThis minor male surgery, which has become an industry, brings in more than 1 billion euros to the Turkish economy. It also has a ripple effect for other cosmetic procedures. Arab women accompanying their husbands for a hair implantation in Istanbul are increasingly tempted by liposuction of the hips. Or a nose reduction.", "domain": "economics"}
+{"url": "https://powerunited.org/is-the-future-no-money-down-microgrids/", "date": "2024-04-16T05:13:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817043.36/warc/CC-MAIN-20240416031446-20240416061446-00424.warc.gz", "language_score": 0.9328670501708984, "token_count": 459, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__17341613", "lang": "en", "text": "Solar energy took off when it came up with a way for customers to buy-in with no upfront costs. Will no-money down microgrids capture the same kind of mass market appeal?\nSchneider Electric, a major player in the microgrid space, thinks so. The Massachusetts-based company is modeling the approach with a microgrid to be installed at its new 240,000 square-foot North American headquarters near Boston.\n“To get to the mass market, you’ve got to make it simple for end users,” said Mark Feasel, vice president of Schneider Electric’s Electric Utility Segment & Smart Grid.\nThe no-money down microgrid fits in with a growing list of ‘tail winds’ accelerating microgrids that Feasel described in a recent interview with Microgrid Knowledge. Other include the recent, favorable Supreme Court decision for demand response and the extension of the federal tax credit for solar, he said.\nNo money-down microgrids make a lot of sense in terms of market conditions, according to Feasel. Investors are increasingly willing to back microgrids. But most commercial and industrial (C&I) customers aren’t interested in getting involved in the arbitrage and other financial plays that enhance microgrid economics. Nor do they want to make a large capital outlay unless the return on investment is under three years.\nUnsophisticated in energy markets, the typical micogrid customer instead just wants to pay for energy or related services – a cents/kWh charge that’s lower than what the utility charges, or higher but adds benefits the organization seeks, like reliability or sustainability, he said.\nIt was this sentiment that gave rise to the very popular solar power purchase agreement for C&I customers.\nFeasel said that investor attitude has evolved over the last year to pave the way for microgrid PPAs.\n“The people with the money are increasingly willing to internalize risk.” In particular, they are becoming more willing to wrap various technologies into the microgrid PPA, such as energy storage and switchgears. So those components are no longer out-of-pocket capital costs for the customer.", "domain": "economics"}
+{"url": "https://calpsc.org/40-epr-principles/", "date": "2019-03-26T01:04:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912204736.6/warc/CC-MAIN-20190325234449-20190326020449-00200.warc.gz", "language_score": 0.9442999362945557, "token_count": 934, "dump": "CC-MAIN-2019-13", "global_id": "webtext-fineweb__CC-MAIN-2019-13__0__85654474", "lang": "en", "text": "PRODUCT STEWARDSHIP AND EXTENDED PRODUCER RESPONSIBILITY: DEFINITIONS AND PRINCIPLES\nReducing Economic, Environmental, Health, and Safety Impacts from Consumer Products\nThe growing product stewardship movement in the United States seeks to ensure that those who design, manufacture, sell, and use consumer products take responsibility for reducing negative impacts to the economy, environment, public health, and worker safety. These impacts can occur throughout the lifecycle of a product and its packaging and are associated with energy and materials consumption, waste generation, toxic substances, greenhouse gases, and other air and water emissions. In a product stewardship approach, manufacturers that design products and specify packaging have the greatest ability, and therefore greatest responsibility, to reduce these impacts by attempting to incorporate the full lifecycle costs into the cost of doing business.\nThe terms product stewardship and extended producer responsibility (EPR) are often used differently by stakeholders involved in the product stewardship movement. The purpose of this page is to harmonize terminology in the U.S. and to guide development of policies, legislation, and other initiatives by governments, companies, and other organizations. By speaking the same language, we can have a constructive public discussion.\nWe use the following definitions for product stewardship and EPR. Since we define EPR as a legislative approach, we believe it requires further clarification and therefore developed the subsequent Principles of Extended Producer Responsibility.\nProduct Stewardship is the act of minimizing health, safety, environmental and social impacts, and maximizing economic benefits of a product and its packaging throughout all lifecycle stages. The producer of the product has the greatest ability to minimize adverse impacts, but other stakeholders, such as suppliers, retailers, and consumers, also play a role. Stewardship can be either voluntary or required by law.\nExtended Producer Responsibility (EPR) is a mandatory type of product stewardship that includes, at a minimum, the requirement that the producer’s responsibility for their product extends to post-consumer management of that product and its packaging. There are two related features of EPR policy: (1) shifting financial and management responsibility, with government oversight, upstream to the producer and away from the public sector; and (2) providing incentives to producers to incorporate environmental considerations into the design of their products and packaging.\nPRINCIPLES OF EXTENDED PRODUCER RESPONSIBILITY\nThe following EPR Principles include key elements that should be included in all EPR legislation. Although these Principles will be applied differently by different jurisdictions, they are aspirational and considered best practice to achieve maximum results.\n- Producer Responsibility\n- Producers are required to design, manage, and finance programs for end-of-life management of their products and packaging as a condition of sale. These programs may or may not use existing collection and processing infrastructure. Programs should cover all products in a given category, including those from companies no longer in business and from companies that cannot be identified.\n- Level Playing Field\n- All producers within a particular product category have the same requirements, whether they choose to meet them individually or jointly with other producers.\n- Producers have flexibility to design the product management system to meet the performance goals established by government, with minimum government involvement.\n- Producer-managed systems must follow the resource conservation hierarchy of reduce, reuse, recycle, and beneficially use, as appropriate.\n- Products must be managed in a manner that is protective of human health and the environment.\n- Producers design and implement public education programs to ensure achievement of performance goals and standards established by government.\n- All consumers have convenient access to collection opportunities without charge.\n- Transparency and Accountability\n- Government is responsible for ensuring that producer programs are transparent and accountable to the public.\n- Producer programs, including their development and the fate of products managed, provide opportunity for input by all stakeholders.\n- Roles for Government, Retailers and Consumers\n- Government is responsible for ensuring a level playing field for all parties in the product value chain to maintain a competitive marketplace with open access to all, for setting and enforcing performance goals and standards, for supporting industry programs through procurement, and for helping educate the public.\n- Retailers only sell brands within a covered product category that are made by producers participating in an industry program, and are responsible for providing information to consumers on how to access the programs.\n- Consumers have a responsibility to reduce waste, reuse products, use take-back and other collection programs, and make appropriate purchasing decisions based on available information about product impacts and benefits.", "domain": "economics"}
+{"url": "https://microboard.com/mpi-appoints-bryan-brady-as-vp-of-sales/", "date": "2024-03-01T09:46:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475238.84/warc/CC-MAIN-20240301093751-20240301123751-00225.warc.gz", "language_score": 0.954272985458374, "token_count": 277, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__42547686", "lang": "en", "text": "Mr. Bryan Brady has been appointed Vice President of Sales at Microboard Processing, Inc. (Microboard). In this role, Mr. Brady will manage Microboard’s customer relationships, including the development of new revenue sources for the company.\nMr. Brady brings to the role an extensive background in sales and corporate account management, having joined the Microboard team from Avnet, Inc. where he spent almost 30 years in the electronics distribution industry focusing on the defense/aerospace market.\nBryan brings to Microboard 30 years of strategic electronic component and military industry experience, which aligns extremely well as Microboard continually enhances our leading-edge manufacturing strategy with the most advanced equipment, software and employees, serving the world’s most high complexity, high reliability sectors in the defense, aerospace, telecom, medical and industrial sectors,” said Microboard President & CEO Nicole Russo.\nMr. Brady also has experience in proposal development, contract negotiations, asset management, product marketing, and business unit leadership with P/L responsibility. Mr. Brady has served on various industry boards and working groups in the electronics industry. He serves on the Arizona State Board of Education’s Business Marketing Education Advisory Council and is an elected board member of the DECA Foundation. Mr. Brady holds a Bachelor of Arts degree in Economics from UCLA and is married with three children.", "domain": "economics"}
+{"url": "https://danielbaird.ca/gta-real-estate-market-on-pace-for-another-year-of-record-breaking-sales", "date": "2024-02-22T08:56:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473735.7/warc/CC-MAIN-20240222061937-20240222091937-00808.warc.gz", "language_score": 0.9710674285888672, "token_count": 814, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__180232816", "lang": "en", "text": "GTA real estate market on pace for another year of record-breaking sales\nMonday Mar 20th, 2017\nToronto real estate agent Elli Davis just closed a “bully offer” for $300,000 over a $2.65 million listing price, a type of deal she’s making more often in the busiest market she’s seen in nearly 30 years.\nThe increasingly competitive Greater Toronto Area real estate market is on pace for another year of record-breaking sales and double-digit price growth as buyers bid aggressively for the few houses on the market. Sales in the first quarter of 2016 rose 15.8 per cent from the opening three months of last year, according to the Toronto Real Estate Board.\nDavis, a Royal Lepage agent in upscale central Toronto, said a lack of housing supply is pushing more buyers to make hard-to-resist deals days before the seller is slated to accept bids. These are also known as bully offers.\n“There were no conditions and the owner said ‘thank you very much, I’ll take it,’” she said of the home that went for $300,000 over asking.\nThe 10,326 homes sold in March was a 16.2-per-cent increase from the year earlier and accounted for nearly half the 22,575 homes that changed hands in the first quarter.\nThe average selling price across all housing types in the Greater Toronto Area rose 12.1 per cent year-over-year in March to $688,181.\nThe market could have experienced even stronger sales growth if it were not constrained by a deficit of new listings, said Jason Mercer, TREB’s director of market analysis.\n“That’s why we’re seeing strong increases in selling prices, yet on the other side, if we did see more listings come online, they’d be absorbed in short order because of pent-up demand,” he said.\n“I think the first quarter certainly suggests that we could be on track for another record year and likely the only thing that could slow that down is if we continue to see a dip in listings.”\nThe number of new listings was down compared to the same period last year, meaning there were more buyers competing for fewer homes. The number of homes listed for sale in the first quarter fell to its lowest level for a first quarter in at least 12 years, according to an analysis by National Bank.\nA competition among buyers for fewer homes often results in bidding wars that drive prices higher. In March, the average detached GTA home inched closer to the $1 million mark, sitting at $910,375.\nDavis said she is astounded at the prices. Nearly half of the 23 agents’ open houses listed for Tuesday in Toronto’s central core were for properties valued between $3.5 million and $16.8 million, she said.\nToronto is a seller’s market, with sales-to-new-listing ratios hovering around 70 per cent — the highest ratio since the 2008-2009 recession, said Robert Kavcic, senior economist at BMO.\nHe doesn’t see this abating any time soon as strong job and population growth in the GTA will continue to drive demand, while few new detached homes are being built.\n“This has been more of a sustained gradual increase in demand and no new supply coming on board, so this is probably going to persist longer than back in 2009.”\nDavis said the market is stronger now than it was coming out of the recession, adding she’s the busiest she’s been since 1989.\n“We didn’t have a terrible winter, I think that helped, mortgage rates helped, and demand is high and supply is low,” she said.\n“All those things together make a busy time.”\nSource: Toronto Star", "domain": "economics"}
+{"url": "https://e-modiran.com/product/%D8%A7%D8%B3%D8%AA%D8%B1%D8%A7%D8%AA%DA%98%DB%8C-%D8%A7%D9%82%DB%8C%D8%A7%D9%86%D9%88%D8%B3-%D8%A2%D8%A8%DB%8C/", "date": "2023-10-03T13:37:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511106.1/warc/CC-MAIN-20231003124522-20231003154522-00506.warc.gz", "language_score": 0.9339293837547302, "token_count": 355, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__200068474", "lang": "en", "text": "Creating uncontested market space. Explanation of Blue Ocean Strategy of W. Chan Kim and Renée Mauborgne.\nWhat is Blue Ocean Strategy? Description\nRather than competing within the confines of the existing industry or trying to steal customers from rivals (Bloody or Red Ocean Strategy) W. Chan Kim and Renée Mauborgne are suggesting Blue Ocean Strategy: developing uncontested market space that makes the competition irrelevant.\nAccording to Kim and Mauborgne in the HBR of October 2004, competing in overcrowded industries is no way to sustain high performance. The real opportunity is: to create blue oceans of uncontested market space.\nCompetitive Advantage critique\nOf course competition is important. But by focusing on competition and competitive advantage, according to Kim and Mauborgne, scholars, companies, and consultants have ignored two very important – and far more lucrative – aspects of strategy:\n* To find and develop blue oceans, and\n* To exploit and protect blue oceans. These challenges are very different from those to which strategists have devoted most of their attention.\nIn blue oceans demand is created, rather than fought over. There is ample opportunity for growth that is both profitable and rapid.\nTwo ways to create blue oceans\n1. One is to launch completely new industries, as eBay did with online auctions.\n2. It is more common for a blue ocean to be created from within a red ocean when a company expands the boundaries of an existing industry.\nCertainly Kim and Mauborgne deserve credits for having made the point of the over-focus on competitive advantage and also for their beautiful metaphor of the two types of oceans.\nBook: W. Chan Kim, Renée Mauborgne – Blue Ocean Strategy", "domain": "economics"}
+{"url": "http://www.coffeecaffeine.com/gourmet-coffees/jamaican-blue-mountain/", "date": "2019-10-14T03:31:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986649035.4/warc/CC-MAIN-20191014025508-20191014052508-00445.warc.gz", "language_score": 0.9692056775093079, "token_count": 916, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__43049711", "lang": "en", "text": "Jamaican Blue Mountain\nSorry out of stock but here is lots of information\nConsidered by some to be the ultimate coffee. This is a crop of very limited yield grown in the small Blue Mountain range in Jamaica. There are very few farms in Jamaica that are “Certified” to become the Famous Jamaican Blue Mountain Coffee. All the farms, and the coffee produced are all inspected, by the Jamaican Coffee Board, before any coffee is labeled as Certified Blue Mountain. This is done at the end of the processing of the coffee at one of the few certified processing centers.\nJamaican Blue Mountain coffee is highly prized in countries like Japan which buys almost 90% of the coffee crop each year. Established in the 1960’s the Jamaican Coffee Board was formed to oversee the production of Jamaican Coffee and give each it’s label as either being Blue Mountain or what is called High Mountain. The High Mountain coffee is still Jamaican Coffee, it is just not up to the rigorious standards to be considered Blue Mountain Coffee.\nThere are currently only a few Estates that are considered Certified Blue Mountain. They are the Wallenford Estate located on the North side of the Blue Mountains. There is the Barron Hall Estate is a farm of around 650 Acres of coffee production. There is also the Mavis Bank farms, which comprise a number of various farms all high in the mountians overlooking Kingston.\nKebble Munn is the man behind Jamaican Blue Mountain coffee. Prior to his becoming the Minster of Agriculture and the formation of the Jamaican Coffee Board, coffee production was not up to the standards it is today. His expertise in agriculture, marketing and coffee helped bring Jamaican coffee back up to the standards we see today. It is safe to say that Mr Munn is the man behind the Blue Mountian Coffee we all ennoy today.\nWhy is Jamaican Blue Mountain Coffee is the most sought after coffee in the world? Looking at the history of Jamaican Blue Mountain Coffee it is quickly understood that the heritage of this unique coffee is as rich and bold as its flavor. The story goes, that in the early 1700’s, King Louis XV of France had some coffee plants that made their way to his colony, Martinique. Along the way on its journey from France to the Caribbean island of Martinique two of the plants perished. The third plant was later given to the former Governor of Jamaica sir Nicholas Lawes as a gift by the Governor of Martinique. The supurb climatic conditions, natural potash and soil rich in nitrogen and phosphorus enabled the Jamaican coffee crop to expand quickly. Soon coffee was being cultivated from Temple Hall in St. Andrew to the Blue Mountains, to St. Elizabeth, Manchester and St. Ann. By the mid 1700’s, coffee exportation began. By the early 1800s there were over 600 coffee plantations on the island.\nNot without its share of adversities, the Jamaican Coffee Industry suffered through many hardships. Labor shortages in the early 20th put a massive strain on the cultivation and exportation of the product. The industry also saw total production cessation for two years following land fall of Hurricane Gilbert in the 1990’s. Through all this, the industry continued to provide Jamaican Farmers with an excellent source of income.\nIn the early days of Jamaican Blue Mountain coffee Canada was the largest importer of the product. Then in the mid 1940’s a decline in quality led the Canadian government to cut off the importation. This was a devastating blow by any measure to the Jamaican farmers and the industry itself. This drastic decision was met with swift and drastic reaction on the part of the Jamaican government which one year later in response, established the CCCH or Central Coffee Clearing House, later to be replaced by the Jamiacan Coffee Board. The branch was setup as a quality control mechanism to grade, clean and inspect all coffee products bound for export. This move raised the standard for Jamaican Coffee. Later in the 1950’s, the Jamaica Coffee Growers established their own system of governance – the CIB or Coffee Industry Board which would pick up where the CCCH left off. This group developed the standards by which Jamaican coffee is grown, harvested, processed and marketed.\nAnnual production of Jamaican Coffee now stands at approximately 6.6 million pounds. A large percentage is exported to Japan with the balance going to the local, US and UK markets.", "domain": "economics"}
+{"url": "http://abrandyouway.com/program/", "date": "2019-08-26T07:23:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027331228.13/warc/CC-MAIN-20190826064622-20190826090622-00336.warc.gz", "language_score": 0.9192163348197937, "token_count": 250, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__104995021", "lang": "en", "text": "Are you flying by the seat of your pants not really sure you’re on the right business track? Are you asking yourself, “Do I really have the knowledge and experience to launch or relaunch my existing business to the next level?”\nIf your answer is, “Yeah, I could use some help.” Then the Business Boost Blueprint strategy will give you a step-by-step pathway to meaningful and profitable results.\nAfter 25+ years of designing programs and building businesses,\nI’ve witnessed every single challenge that change agents encounter turning their ideas and content into a thriving business.\nThat’s what inspired me to create this laser-action strategy plan.\nHere are some of the topics we may choose to cover based upon your individual needs: uncovering business growth barriers;\nwhat makes you distinct; creative overwhelment and personal productivity; product profit solutions; and a multiple income stream business model.\nThe Business Boost Blueprint session is perfect for you…\nIf you want a dynamic collaboration with a mentorship partner with 25+ years of international business and online experience who will help you translate your uniqueness into income generating signature products and get you on track to create meaningful and profitable results!", "domain": "economics"}
+{"url": "https://promixsrl.com/en/company.html", "date": "2023-12-02T19:34:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100448.65/warc/CC-MAIN-20231202172159-20231202202159-00740.warc.gz", "language_score": 0.9342844486236572, "token_count": 407, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__45070035", "lang": "en", "text": "Recycled rubber from end-of-life tyres for a circular economy and sustainable growth\nPromix is a high-tech company specialized in the coating of PFU rubber granules, created with a great aim: to meet the specific needs of the synthetic grass world by creating a system of production and sustainable development.\nWe have a plant at the forefront of technology, born from the specific research of the sector, capable of producing high quantities of products and meeting the needs of customers in a timely manner, where 8,000 tonnes of end-of-life tyres are recovered annually and converted into performance rubber infills. Promix is not only high production capacity. Since 2000, we have been engaged in the constant pursuit of environmental performance and strict ecological regulations. The packaging is made in two different variants: the standard bag 1200Kg and the comfortable bag 25kg.\nThe versatility of rubber born from the recycling of end-of-life tyres allows it to be used in the construction of sports floors in numerous applications such as:\n- Flooring for football fields\n- Paving for rugby fields\n- Pavements for riding\n- Track and field\n- Flooring for tennis court\n- Paving for paddle tennis court\n- Floor coverings for playgrounds\n- Street furniture\nResearch, Development and Certifications for the good of the environment and the economy\nAll production processes are subject to strict quality controls. Laboratory analyses include the control of the grain size of the unfinished product and the finished product and several tests to which the material is subjected: the wear test, the UV test and the resilience test.\nThe company has been certified according to the UNI EN ISO 9001 standard, relating to the quality management system and the UNI EN ISO 14001 standard, relating to the environmental management system. Our granule from PFU is a product derived from the Ecopneus certified supply chain that guarantees the quality and the high characteristics of the second raw materials resulting from the recovery from PFU.", "domain": "economics"}
+{"url": "https://www.pomeroydairy.com/our-farm", "date": "2024-04-12T16:49:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816045.47/warc/CC-MAIN-20240412163227-20240412193227-00810.warc.gz", "language_score": 0.9759247899055481, "token_count": 240, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__75929385", "lang": "en", "text": "Pomeroy Dairy is owned and operated by siblings Rachel and Randy, fourth generation farmers. Growing up on the farm, Rachel was the animal lover and Randy was always tinkering with some piece of equipment. After going away to college, we have been fortunate enough to be able to make full-time jobs out of things we enjoyed as kids. Rachel now takes most jobs working with the cows and creamery, while Randy primarily handles field work and equipment.\nOur Westfield farm started when L. Ralph Pomeroy purchased the property in the 1930's. He did a little bit of everything with the farm name L.R. Pomeroy & sons, from apples and sweet corn to maple syrup and milking cows. Over the years, he was joined by two of his sons, Lew and Seth, and his grand-son Harlow. Eventually, the farm started to focus on milking cows, shipping milk to Agri-Mark (makers of Cabot cheese).\nToday, we still ship the majority of our milk to Cabot. Processing what we can on farm to make the delicious cheese curds, yogurt and cream cheese we sell in our farm store.", "domain": "economics"}
+{"url": "https://www.veganlightchocolatenowhey.com/global-whey-protein-market-2021-2026/", "date": "2022-08-12T20:35:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882571758.42/warc/CC-MAIN-20220812200804-20220812230804-00564.warc.gz", "language_score": 0.8775633573532104, "token_count": 2307, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__36495331", "lang": "en", "text": "Dublin, July 12, 2021 (GLOBE NEWSWIRE) – The “Whey Protein (Powder and Concentrate) Market – Global Industry Trends, Share, Size, Growth, Opportunities and Forecast 2021-2026” report was added to ResearchAndMarkets.com offer.\nThe global whey protein market is expected to show strong growth during the period 2021-2026. Whey makes up almost 20% of the protein content of cow’s milk and is considered beneficial for the human body. It offers many health benefits such as building muscle, promoting fat loss, repairing muscle tissue, reducing stress and inflammation, lowering blood pressure and cholesterol levels. , disease prevention and overall health promotion. Some of the factors that are increasing the demand for whey protein are inflating disposable income, increasing demand from developing markets, and the emerging trend to consume protein drinks. Looking ahead, the publisher expects the global whey protein (powder and concentrate) market to grow at a CAGR of around 9% during the forecast period (2021-2026).\nGlobal Whey Protein Market Drivers:\nDue to the increasing prevalence of lifestyle-related diseases and increasing consumer health awareness, people are now joining gyms and fitness centers. As protein supplements are often recommended in these centers, the demand for whey protein is proliferating at a rapid rate.\nAs whey protein has antibacterial and antihypertensive properties, it finds applications in the food industry to prepare snacks, cereals, chocolates, beverages, infant formula, dairy products and bakery items. With increasing global population and changing eating habits of people, food industry is experiencing robust growth which in turn is catalyzing the growth of whey protein market.\nUnlike other dairy products, the shelf life of whey protein is comparatively longer, allowing it to last for months while retaining its original properties. Plus, since whey protein is usually available in powder form, it can be easily transported from one place to another.\nBreakdown by product type:\nOn the basis of type, the market has been segmented into Whey Protein Concentrates, Isolates, and Hydrolysates. Currently, whey protein isolate is the most popular type of product because it is one of the fast absorbing sources of protein that helps build lean muscle.\nBreakdown by application:\nOn the basis of applications, the market has been categorized into food and beverage, nutritional and pharmaceutical products, animal feed applications, and others. Of these, the nutrition and pharmacy segment accounts for the majority of the market share.\nGeographically, the European Union occupies a leading position in the world whey protein market. This can be attributed to the growing awareness of the health benefits of whey protein among the population in the region. It is followed by North America, Oceania, Eastern Europe and Latin America.\nThe global whey protein market is fragmented in nature due to the presence of many small and large manufacturers competing with each other on price and quality. Some of these key players include:\nThis report provides an in-depth overview of the global Whey Protein industry covering all of its essential aspects. It ranges from macro market overview to micro details of industry performance, recent trends, key market drivers and challenges, SWOT analysis, Porter’s five forces analysis, ‘value chain analysis, etc. The report also provides complete analysis for setting up Whey Protein Manufacturing Plant. The study analyzes processing and manufacturing requirements, project cost, project financing, project economics, expected returns on investment, profit margins, etc. This report is must-read for entrepreneurs, investors, researchers, consultants, business strategists, and anyone with any interest in or planning to make a foray into the whey protein industry in any way. .\nKey questions addressed in this report:\nHow has the global whey protein market performed so far and how will it perform in the years to come?\nWhat are the key regional markets in the Global Whey Protein Market?\nWhat has been the impact of COVID-19 on the global whey protein market?\nWhat are the main application segments in the global whey protein market?\nWhat are the major types of products in the global whey protein market?\nWhat are the price trends for whey protein?\nWhat are the different stages in the global whey protein industry value chain?\nWhat are the major drivers and challenges for the global Whey Protein Industry?\nWhat is the structure of the global whey protein market and who are the major players?\nHow competitive is the global whey protein market?\nWhat are the profit margins in the global whey protein market?\nWhat are the key requirements for setting up a whey protein manufacturing plant?\nHow is whey protein made?\nWhat are the different unit operations involved in a whey protein manufacturing plant?\nWhat is the total area of ââland required for the establishment of a whey protein manufacturing plant?\nWhat are the machinery requirements for setting up a whey protein manufacturing plant?\nWhat are the raw material requirements for setting up a whey protein manufacturing plant?\nWhat are the packaging requirements for whey protein?\nWhat are the transport requirements for whey protein?\nWhat are the utility requirements for setting up a whey protein manufacturing plant?\nWhat are the labor requirements to set up a whey protein manufacturing plant?\nWhat are the infrastructure costs for setting up a whey protein manufacturing plant?\nWhat are the investment costs for setting up a whey protein manufacturing plant?\nWhat are the operating costs for setting up a whey protein manufacturing plant?\nWhat will be the income and expenses of a whey protein manufacturing plant?\nHow long does it take to break even?\nMain topics covered:\n2 Scope and methodology\n3 Executive summary\n4.2 Key Industry Trends\n5 Global Whey Protein Industry\n5.1 Market overview\n5.2 Market performance\n5.2.1 Volume trends\n5.2.2 Value trends\n5.3 Impact of COVID-19\n5.4 Price analysis\n5.4.1 Key price indicators\n5.4.2 Price structure\n5.4.3 Price trends\n5.5 Market breakdown by type\n5.6 Market Split by Application\n5.7 Market breakdown by region\n5.8 Market Forecast\n5.9 SWOT analysis\n5.10 Value chain analysis\n5.10.1 Raw material supply\n5.10.6 End use\n5.11 Porter’s five forces analysis\n5.11.2 Bargaining power of buyers\n5.11.3 Bargaining power of suppliers\n5.11.4 Degree of competition\n5.11.5 Threat of new entrants\n5.11.6 Threat of Substitutes\n5.12 Key success factors and risk factors\n6 Market breakdown by type\n6.1 Whey protein concentrate\n6.1.1 Market trends\n6.1.2 Market Forecast\n6.2 Whey protein isolate\n6.2.1 Market trends\n6.2.2 Market Forecast\n6.3 Whey protein hydrolysates\n6.3.1 Market trends\n6.3.2 Market Forecast\n7 Market split by application\n7.1 Food and drinks\n7.1.1 Market trends\n7.1.2 Market Forecast\n7.2 Nutritional products and pharmaceuticals\n7.2.1 Market trends\n7.2.2 Market Forecast\n7.3 Feeding demands\n7.3.1 Market trends\n7.3.2 Market Forecast\n7.4.1 Market trends\n7.4.2 Market Forecast\n8 Market breakdown by region\n8.1 European Union\n8.1.1 Market trends\n8.1.2 Market Forecast\n8.2 North America\n8.2.1 Market trends\n8.2.2 Market Forecast\n8.3.1 Market trends\n8.3.2 Market Forecast\n8.4 Eastern Europe\n8.4.1 Market trends\n8.4.2 Market Forecast\n8.5 Latin America\n8.5.1 Market trends\n8.5.2 Market Forecast\n8.6.1 Market trends\n8.6.2 Market Forecast\n9 Competitive landscape\n9.1 Market structure\n9.2 Key players\n10 Whey Protein Manufacturing Process\n10.1 Product overview\n10.2 Detailed process flow\n10.3 Different types of unit operations involved\n10.4 Mass balance and raw material requirements\n11 Project details, requirements and costs involved\n11.1 Land requirements and expenditures\n11.2 Construction needs and expenses\n11.3 Plant machinery\n11.4 Photos of machines\n11.5 Raw material requirements and expenditure\n11.6 Images of raw materials and finished products\n11.7 Packaging requirements and expenses\n11.8 Transportation needs and expenses\n11.9 Public service needs and expenditures\n11.10 Labor requirements and expenses\n11.11 Other capital investments\n12 Loans and financial assistance\n13 Project economics\n13.1 Capital cost of the project\n13.2 Technical and economic parameters\n13.3 Product prices and margins at different levels of the supply chain\n13.4 Taxation and depreciation\n13.5 Revenue projections\n13.6 Expenditure projections\n13.7 Financial analysis\n13.8 Profit analysis\n14 key player profiles\n14.1 Arla Foods\n14.2 Agropur inc.\n14.3 Hilmar Cheese Company, Inc.\n14.4 Glanbia Plc\n14.5 Kerry Group Plc\n14.6 Global dairy specialties\n14.7 Leprino Food Company\n14.9 Grande Fromagerie\n14.10 Lactalis Group\nFor more information on this report, visit https://www.researchandmarkets.com/r/kfl7ps\nCONTACT: CONTACT: ResearchAndMarkets.com Laura Wood, Senior Press Manager [email protected] For E.S.T Office Hours Call 1-917-300-0470 For U.S./CAN Toll Free Call 1-800-526-8630 For GMT Office Hours Call +353-1-416-8900", "domain": "economics"}
+{"url": "http://www.biyn-web-designer.com/biyn_ebusiness.php", "date": "2013-06-19T16:45:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368708882773/warc/CC-MAIN-20130516125442-00059-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9416723847389221, "token_count": 661, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__81612853", "lang": "en", "text": "What is E-Business?\nE-business (electronic business) is a term used to describe businesses run on the Internet, or the utilization of Internet technologies to improve the productivity or profitability of a business. E-business is the conducting of business on the Internet, not only buying and selling, but also servicing customers and collaborating with business partners.\nToday, major corporations are rethinking their businesses in terms of the Internet and its new culture and capabilities. Companies are using the Web to conduct sophisticated business transactions such as buying parts and supplies from other companies, collaborating on sales promotions, and carrying out joint research. By exploiting the convenience, availability, and worldwide reach of the Internet, many companies have already discovered how to use the Internet successfully to grow their business.\nIs E-Business for Your Business Type?\nThe reason most companies are getting into e-business is because they are looking for ways to: lower costs, improve efficiency and productivity, and work more efficiently, cheaply, quickly and profitably.\nIf this sounds attractive to you, then you might want to consider implementing e-business strategies in the day-to-day operation of your business. In order to do so, you will need to answer some basic questions, such as: What will the final cost be? Will fail-safe security measures be ensured? What technical expertise will be required? And, finally, will my return on investment (ROI) in making the move to e-business be worthwhile? These are all relevant questions and/or concerns that must be addressed before a move to e-business should be undertaken. Biyn has answers to these questions and the expertise to provide the solutions that will best serve all your e-business needs.\nBiyn can implement customized BI solution for any company of any size. BI (Business Intelligence) solutions refer to technologies, applications, and practices for the collection, integration, analysis, and presentation of business information and optimization of business processes.\nBiyn can implement\n- Relationship Management Systems (RMS)\n- Customer Relationship Management Systems (CRMS)\n- Content Management System (CMS)\n- Enterprise Content Management (ECM)\n- Intranet, Extranet & Member web portals\n- Systems Integration\nDoing Business Better and Smarter\nE-business could be said to be the natural extension of progressive business. It enables you to find better ways to do things so you can build your business. E-business can also lead to a re-assessment and re-alignment of your entire business model. You might be feeling the pressure to improve productivity and to reduce or hold the line on costs in very competitive environments. Or you might be dissatisfied with your rate of growth. Whatever the reason, many companies are looking to re-evaluate how they do business. These pressures are pushing on-line business applications and evolving technologies, which in turn help companies re-engineer their core business processes.\nTo Answer Your Question\n\"Is E-business right for your business type?\" is not really the right question. Instead, it should be: \"How can I use E-business to address my challenges and find growth opportunities?\" Now for answer to that question contact us and you will be glad you did.", "domain": "economics"}
+{"url": "https://www.socialbulldog.com/insight/social-bulldogs-newsletter-shopify-q4-earnings-recap/", "date": "2024-02-22T00:27:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473598.4/warc/CC-MAIN-20240221234056-20240222024056-00416.warc.gz", "language_score": 0.9782356023788452, "token_count": 523, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__10976436", "lang": "en", "text": "On Wednesday morning, Shopify announced 2021 Earnings. We always pay close attention to Shopify announcements, as their ebbs and flows tend to be indicators of how the ecommerce industry is doing as a whole. Although some announcements during the call caused Shopify’s stock to tumble, there were a few tidbits Social Bulldog found exciting.\nTo begin, Shopify expressed the belief that embedding commerce into apps is going to be absolutely critical, with sales from social channels expected to double by 2025. This has been reflected over the past few years, as they’ve worked with Meta to build out Instagram Shops and other features. Shopify discussed their recent introduction of TikTok Shopping, where creators can tag products that land on their TikTok Shop. More than 100,000 merchant creators have installed the TikTok Shopping channel to date.\nPerhaps the most exciting news to come out of the earnings call was their announcement of Shopify’s very own fulfillment network. We were nodding along as they said, “Fulfillment is only something that you think about when it’s not going well.” They are building a U.S. distribution network to store and ship products for their merchant customers. This investment will require huge capex dollars, which is a large reason why stock prices dipped post-call.\nShopify hit record revenues in 2021. Their great numbers were a bit overshadowed by the fact that revenue growth decelerated for the third straight quarter in Q4. Their total revenue for the year was up 57% from 2021 at $4,611.9 million (and up 192% from 2019!).\nAs for 2022, year-over-year revenue growth will be lower in the first quarter of 2022 and highest in the fourth quarter of 2022. Shopify warned that revenue growth will slow as COVID-19 restrictions continue to ease up and customers return to brick and mortar. They set expectations as they described a timeline that many businesses experienced in the past few years. One where COVID triggered a large acceleration in 2020 that continued into mid 2021. That acceleration has now decelerated and is continuing to do so.\nThe earnings call had mixed reviews depending on the listener. For investors, there were red flags as revenue growth slows and expenses increase. For ecommerce businesses, there was excitement for the developments to come, as well as validation that the past three years have been an absolute rollercoaster. We personally can’t wait for that two-day fulfillment network and continued improvements to ecommerce in social channels.", "domain": "economics"}
+{"url": "http://505vr.com/en/Reference/Knauf-Insulation-Slovenia-", "date": "2018-11-21T03:35:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039747024.85/warc/CC-MAIN-20181121032129-20181121054129-00400.warc.gz", "language_score": 0.9538092017173767, "token_count": 203, "dump": "CC-MAIN-2018-47", "global_id": "webtext-fineweb__CC-MAIN-2018-47__0__117477426", "lang": "en", "text": "Knauf Insulation was registered in Slovenia in 2007, after the family company Knauf took over the Škofja Loka stone wool insulation producer in 2006 in the process of expanding its isolation division. This has preserved the 60-year tradition of the largest producer of insulating materials in Slovenia. Knauf Insulation has a concentration of knowledge, experience and highly skilled personnel. With over 380 employees in the Knauf Insulation Group, the company produces over 100,000 tons of stone wool insulation annually. The company has the largest production plant in the group and the first with the new advanced technology, which replaces environmentally unfriendly coke with cleaner gas fuels. Knauf Insulation does not apply advanced and innovative approaches only to production processes, they are also a step ahead when it comes to marketing. Here, we offered our knowledge and experience. We created a mobile VR application, which enables Knauf Insulation to present its products in a completely new and unique way.", "domain": "economics"}
+{"url": "https://bosmansclub.co.za/about-us/", "date": "2020-09-21T03:31:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400198887.3/warc/CC-MAIN-20200921014923-20200921044923-00290.warc.gz", "language_score": 0.9415753483772278, "token_count": 175, "dump": "CC-MAIN-2020-40", "global_id": "webtext-fineweb__CC-MAIN-2020-40__0__225812194", "lang": "en", "text": "S1 Vertical in partnership with VertiKal Developments is a dynamic and focused real estate investment, development and services company.\nOur Primary Focus\nOur primary focus is sourcing, packaging, investing and delivering high quality buildings which enhances living and business environments in their specific property segments. We are passionate about regional economic development through property investment and sustainable projects.\nWe recognise, value and uphold the intrinsic importance of people as our product end-users and as such integrate our decades of experience, best practice design and urban planning principles into all development from early planning to final delivery. This results in delivering sustainable, class-leading quality real estate assets where people and businesses can enjoy, grow and flourish.\nOur Track Record\nWith over 18 years in the property investment and development segment we have successfully managed and delivered residential, commercial, hospitality, retail and industrial property developments during this period.", "domain": "economics"}
+{"url": "https://ads.uniondigital.uk/blog/town-centre-living-more-homes-heart-great-places-report", "date": "2024-04-16T04:04:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817043.36/warc/CC-MAIN-20240416031446-20240416061446-00391.warc.gz", "language_score": 0.9429749250411987, "token_count": 1078, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__96182433", "lang": "en", "text": "(March 2023) A new report looks at the benefits and barriers to town centre living, some examples of good practice and what we can do to make more of it happen in Scotland.\nA report on town centre living has been published, led by Scottish Futures Trust, with input from the Scottish Land Commission and Architecture and Design Scotland. The work was steered by a wider group of organisations with interests in town centre regeneration and housing.\nThe report follows the release of the Scottish Government’s Town Centre Action Plan Review late last year which outlined moves to encourage more people to live in town centres.\nTown centre living is a key policy aspiration for the Scottish Government, local authorities and a wide range of other public, private and third sector bodies. It builds upon strong foundations of strategic place planning and supports key principles around inclusion, wellbeing and sustainability.\nSustainable town centres\nThe report presents the findings of a Short Life Working Group, formed in August 2022 to investigate the issues with, and opportunities for, the delivery of more town centre housing.\nIt highlights the benefits of bringing more housing and people into our town centres to help support the creation of strong and sustainable places and key policy aims around:\n- active travel\n- affordable and independent living\n- walkable neighbourhoods\n- the wellbeing economy\n- net zero\n- the re-use of existing built assets\nTown centre living can underpin the resilience of many of Scotland’s places, but it needs to be done in a way that delivers the right homes, in the right places, for the right reasons.\nThe most attractive towns – from a town centre living perspective – are those that offer good physical environments and green spaces in safe and attractive places with good transport and other services, and a mix of housing choices.\nThis approach supports the Scottish Government’s ambitions for 20-minute neighbourhoods, where people can meet their needs within a 20-minute walk from their house - enabling people to live better, healthier lives and supporting net zero ambitions, and aligns with many of the principles set out in our work on carbon conscious places.\nLearning from town centre living projects in Scotland\nThe report includes a number of examples of successful town centre living projects that have, or are being, delivered across Scotland, and that have broad applicability and an approach that could, at least in part, be replicated elsewhere.\nProjects like Midsteeple Quarter in Dumfries, which involved the redevelopment of a full town centre block to create a new mixed-use neighbourhood in existing and new buildings for residential (c. 60 flats), commercial and community spaces. The development is being led by a community benefit society with funding from a cocktail of public/ private/ philanthropic investments.\nAbbey Quarter in Paisley where c. 150 new build homes are being delivered in a development that has preserved, reused and revitalised a prominent listed building at the heart of the town centre.\nAnd recently completed housing at Primrose Street in Alloa, which involved the redevelopment of a long-term vacant site to enable delivery of new town centre living housing designed for elderly tenants who want a better option for independent living. There the town centre location was a key priority to maintain access for residents to services and public transport.\nThe report includes examples of successful town centre living projects in Scotland such as the award-winning Primrose Street development in Alloa, which meets the needs of an ageing population and provides positive impact on the surrounding area.\nTown centre living projects like these can deliver substantial benefits to our towns and town centres, helping to create active and attractive places and delivering wellbeing. With less reliance on private car transport, for example, these wider benefits might include better physical and mental health for residents due to increased levels of walking.\nThe caring place work suggests important issues to consider for our towns and town centres to address ageing in place - including care and housing provision, sustainability and transport to amenities, and accessibility - as part of a person-centred, whole-place approach in line with the Place Principle.\nBuilding on this work, and our work on carbon conscious places, we provided support to Clackmannanshire Council working with Scottish Futures Trust and the Alva community on the Alva Pathfinder project.\nThe pilot project tested the role of collaboration in providing a ‘whole place’ brief and a catalyst for town centre regeneration, turning a housing initiative into a multi-faceted community project linked to a series of subtle stitching and repair projects across Alva town centre.\nThe report makes a number of recommendations for continuation of the work of the Town Centre Living Working Group. In the immediate term there is an opportunity to support project officers (from public and private sectors) to take a collaborative whole place approach to the development and delivery of town centre living to help build skills and expertise, and develop an evidence base for town centre living.\nHow we can help\nArchitecture and Design Scotland champion’s a whole place collaborative approach by working with local authorities, design teams, communities and key stakeholders. We provide design advice on projects across a variety of scales and typologies, including town centres and housing. If you would like to explore how we can help, please get in touch with us.", "domain": "economics"}
+{"url": "http://www.ipn.uni-kiel.de/en/the-ipn/archive/energy-transition-conference-in-berlin", "date": "2017-04-26T02:15:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121121.5/warc/CC-MAIN-20170423031201-00424-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.8302210569381714, "token_count": 450, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__111507344", "lang": "en", "text": "Registration now open for the Annual Energy Transition Conference in Berlin\nOn June 30th, 2016, the interdisciplinary annual conference of the Leibniz Research Association on Energy Transition will take place between 10:00 – 18:00 in the Social Science Center in Berlin. (Wissenschaftszentrum Berlin für Sozialforschung, Reichpietschufer 50)\nThe IPN, as a member of the Energy Transition group, will also be actively contributing to this group of topics.\nBetween the priorities of centralized and decentralized structures, decisive questions relating to a reorientation of the German Energy system are currently being posed. This is equally valid for issues focusing on market design such as the reframing of special contexts and the handling of distribution issues. Which functional connections are meaningful for different energy markets? Which actors are or are not integrated in these markets? Which scopes of action and local identities could arise or be minimalized as a result of decentralization? What seems meaningful from an economical or technologically feasible perspective can run contrary (and vice versa) to issues such as spatial development or social cohesion.\nThe conference will explore challenges which arise in practice between the poles of central and decentral structures. Moreover, possibilities to encounter these challenges from a technological, political, regulatory and civic perspective will be discussed. Four sessions will be dedicated to the following topics:\nA: Coordination through (de-) centralised markets?\nB: Social splitting as a result of (de-) centralisation?\nC: Which role does power-to-X play in (de-) centralised energy systems?\nD: New spaces and transformed use of land in (de-) centralised energy systems?\nIn a concluding panel discussion, the following guests will discuss the conference topic:\nDr Patrick Graichen, MD, Agora Energiewende\nDr René Mono, CEO, Bündnis BürgerEnergie e.V.\nDr Dr Tobias Paulun, Board member of the European Energy Exchange (EEX) AG (requested)\nDr Oliver Weinmann, Head of innovation Management, Vattenfall Europe AG (requested)\nProgramme (German only):", "domain": "economics"}
+{"url": "https://storyprima.io/docs/currently-incubated-projects/", "date": "2023-12-05T01:48:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100540.62/warc/CC-MAIN-20231205010358-20231205040358-00259.warc.gz", "language_score": 0.9393379092216492, "token_count": 333, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__10754328", "lang": "en", "text": "A major goal of StoryPrima DAO is to incubate story-focused NFT projects.\nThe project application and selection process has not yet been developed, but holders of the PRIMA governance token will have the right to approve projects for incubation.\nStoryPrima DAO will benefit from the success of incubated projects via royalty or revenue shares from supported initiatives. PRIMA holders can also vote to sell NFTs of incubated projects held in the DAO Treasury for additional revenue.\nA portion of revenues generated by the DAO will be used to periodically buy and burn PRIMA. The PRIMA buy and burn criteria and schedule will be developed in the future and ratified by PRIMA governance token holders before implementation.\nCurrently-incubated NFT Projects #\nLegends of Cypher #\nLegends of Cypher is a multimedia project that tells the story of a future human civilization fighting for individual freedom. On one side is Hash and his “gift”, a technology that can free humanity from bondage. Malarian, a high-ranking agent of the inter-planetary Centopoly empire, will stop at nothing to prevent Hash and his allies from giving humanity its freedom.\nThe story will be presented in a series of comics that will be released across multiple “seasons.” Fans will be able to collect artifacts from the Legends of Cypher universe via NFTs, short stories, films, music, and art across a variety of mediums.\nTeam: Legends of Cypher is a NFT project developed by the StoryPrima DAO founding team.", "domain": "economics"}
+{"url": "https://www.artpharmacy.co/blog/art-pharmacy-selected-as-a-venture-atlanta-2023-presenting-company", "date": "2024-04-14T11:35:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816879.25/warc/CC-MAIN-20240414095752-20240414125752-00313.warc.gz", "language_score": 0.90493243932724, "token_count": 746, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__98164742", "lang": "en", "text": "ATLANTA – Aug. 30, 2023 – Art Pharmacy, a healthcare social prescribing solution, announced today that it has been chosen out of a record-breaking 550 applicants as one of the top technology companies in the Southeast to present at Venture Atlanta 2023 from Sept. 27-28 at The Woodruff Arts Center and Atlanta Symphony Hall.\nThe 16th annual conference selects the most promising tech companies to pitch to the top investment firms across the nation.\n“Art Pharmacy is honored to be selected to participate in Venture Atlanta and educate its impressive roster on the emerging social prescribing movement,” said Art Pharmacy Founder and CEO Chris Appleton. “The healthcare industry is ever-evolving, and our team is leading the charge with this solution that payors, health systems and providers can implement to improve behavioral and mental health outcomes through engagement with arts and culture activities.”\nArt Pharmacy’s proprietary smart-matching technology considers clinical needs, patient preferences and decades of research to address the shortage of mental health providers and improve patient health. The company integrates into the care continuum by incorporating an assessment along with patient monitoring and adherence programs. Art Pharmacy remains committed to reducing the operational and cost burden for payers and providers.\n“Venture Atlanta 2023 continues to bring attendees all the events they love, including informative panels, big-name keynotes, and networking opportunities,” said Venture Atlanta CEO Allyson Eman. “This year, we’ve also reimagined our schedule to give more stage time to promising tech companies and centered even more of our programming around fostering connections.”\nVenture Atlanta has helped launch more than 760 companies and raise $7.5 billion in funding to date, spinning out $17 billion in successful exits. Venture Atlanta boasts a roster of highly successful alumni, including Bitcoin Depot, CallRail, Car360, Clearleap, Flock Safety, Florence Healthcare, Kabbage, ParkMobile, Pindrop Security, Salesforce Pardot, Salesloft, SingleOps, Stax, and Terminus.\nTo learn more about Art Pharmacy, visit www.artpharmacy.co. For additional information about Venture Atlanta, to register for the event, or to view the conference schedule, please visit www.ventureatlanta.org.\nAbout Venture Atlanta\nVenture Atlanta, the Southeast’s technology innovation event, is where the region’s most promising tech companies meet the country's top-tier investors. As the Southeast's largest investor showcase helping launch more than 760 companies and raise $7.5 billion in funding to date, the event connects the region’s top entrepreneurs with local and national investors and others in the technology ecosystem who can help them raise the capital they need to grow their businesses. The annual nonprofit event is a collaboration of the Atlanta CEO Council, Metro Atlanta Chamber, and the Technology Association of Georgia (TAG). For more information, visit www.ventureatlanta.org. For updates, follow us on Twitter and LinkedIn, and visit our blog.\nAbout Art Pharmacy\nArt Pharmacy’s proprietary smart-matching technology considers clinical needs, patient preferences and decades of research to address the shortage of mental health providers while improving patient health. Art Pharmacy offers a closed-loop referral system, care plan integration, and outcomes monitoring. Art Pharmacy remains committed to reducing the operational and cost burden for payors and providers. To learn more about Art Pharmacy, visit www.artpharmacy.co.\n# # #\nReceive updates on the latest developments at Art Pharmacy and our research.", "domain": "economics"}
+{"url": "http://destination-africa.org/the_conference", "date": "2018-02-23T04:09:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891814393.4/warc/CC-MAIN-20180223035527-20180223055527-00121.warc.gz", "language_score": 0.9370934963226318, "token_count": 292, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__22453806", "lang": "en", "text": "Destination Africa is a one of a kind, major, international and specialized B2B sourcing event for the textile industries in Africa capitalizing on the growing global trend to have Africa as a sourcing destination and showcasing the diversity and opportunities Africa is offering. The event promotes African made apparel, home textiles and textiles to the international and African markets. It also enhances the regional trade activities between the different African countries, capitalizing on tariff advantages and location. The event’s first edition took place on the 11th and the 12th of November 2016, at the Nile Ritz Carlton Hotel – Cairo, Egypt, with 77 manufacturers from 11 African countries that exhibited their products to 127 international buyers from major USA and EU companies.\nFor its second edition, Destination Africa 2017 B2B as well as the international Conference will be held at the Nile Ritz Carlton Hotel in Cairo – Egypt, on the 11th and 12th of November 2017. The 2-day event consists of 3 simultaneous activities: a regional exhibition with African country pavilions; an international conference and seminar; and last but not least networking functions. This year’s edition of Destination Africa includes 100 manufactures from 15 African countries (eg. Egypt, South Africa, Lesotho, Tunis, Morocco, Zimbabwe, Kenya, Tanzania, …etc) specialized in ready-made garments, home textiles, yarn & fabrics over a space of more than 1,000 square meters.", "domain": "economics"}
+{"url": "https://mobilityportal.es/octopus-charging-network-ireland/", "date": "2024-04-16T01:33:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817036.4/warc/CC-MAIN-20240416000407-20240416030407-00863.warc.gz", "language_score": 0.9411050081253052, "token_count": 431, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__181908637", "lang": "en", "text": "Weev, the Belfast-based startup on a mission to bring better charging to Northern Ireland, has received a funding boost.\nOctopus Investments, part of the Octopus Energy Group, is investing up to £50 million and says the capital was to address the shortage of charging infrastructure in Northern Ireland.\nIn its funding announcement, Octopus states EV drivers in Northern Ireland were “disproportionately underserved” in charging infrastructure. According to the British Department for Transport, the region had only 20 public charge points per 100,000 people, substantially lower than the UK average (60).\nThese findings were also what made Weev come out in April 2022.\nThe startup at the time was planning to invest £20 million in a new privately-operated public charging network with 1,500 charge points at over 350 locations across Northern Ireland.\nToday, Philip Rainey, CEO of Weev, added that the investment from Octopus enabled a “major expansion to the size and scope of the rollout we announced at launch last year. We can now increase our focus on providing more rapid and ultra-rapid charging hubs in response to growing demand from EV drivers. In total, the capital will enable us to install and maintain a network of thousands of EV charging points over the next five years using locally-based teams and expertise.”\nInitial plans saw Weev roll out six fast charging hubs.\nThe company has yet to detail new targets with fresh capital.\nThis will be the first investment for Octopus Sustainable Infrastructure Fund (OSIF), a strategy with cornerstone investment from the UK Infrastructure Bank. OSIF will provide growth capital to the next generation of infrastructure companies with proven technology and transformative potential critical to meeting the scale of the UK’s net zero ambitions, so Octopus.\nAt Octopus, Lukasz Michalak, Investment Director, Sustainable Infrastructure, called Weev the perfect example of companies doing just that.\n“By backing Weev, we see a great opportunity to deliver a positive impact to Northern Ireland’s communities while meeting the financial objectives of the fund.”", "domain": "economics"}
+{"url": "https://auntiejellysevents.com/2022/11/23/mortgage-rates-drop-natwest-cuts-interest-by-up-to-0-6/", "date": "2022-11-30T00:00:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710712.51/warc/CC-MAIN-20221129232448-20221130022448-00797.warc.gz", "language_score": 0.9669037461280823, "token_count": 1198, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__267831494", "lang": "en", "text": "More Lenders Lower Mortgage Rates: Natwest Cuts Interest by Up to 0.6% on Some Transactions as Borrowing Costs for Homeowners Continue to Fall\n- Natwest is now offering a 5-year fixed deal for 5.38% down from 5.98%\n- Lenders including HSBC and Virgin Money have also been cutting rates.\n- The cost of borrowing has fallen since Liz Truss stepped down and gilt yields have fallen\nNatwest and Darlington Building Society are the latest lenders to update their mortgage rates, with Natwest cutting prices by as much as 0.6 percent.\nMajor lenders are starting to cut mortgage rates, after the mini-budget pushed them up and added hundreds of pounds to some homeowners’ bills.\nEarlier in the week, HSBC and Virgin Money changed the price of products, lowering the cost of borrowing.\nFor existing customers, Natwest has reduced the price of its 25 percent deposit, five-year fixed rate agreement by 0.6 percent, from 5.98 percent to 5.38 percent.\nConcerns: Rising borrowing costs have raised fears of a foreclosure crisis, as those with fixed-term agreements have to re-mortgage\nThe same product for borrowers with a 40 percent deposit has also been reduced by 0.6 percent, from 6.20 percent to 5.60 percent.\nOn a £200,000 mortgage, the rate reduction would save borrowers over 25 years £73 per month or £876 per year.\nThe bank has also lowered several of its rates on two-year fixed deals. For a 40 percent deposit deal, they fell 0.43 percent to 5.66 percent from 6.09 percent.\nThe drop means the product is now £53 cheaper per month or £636 less per year on a £200,000 mortgage taken out over 25 years.\nDarlington Building Society has also re-entered the fixed rate market with products for new and existing customers.\nThe building society offers a five-year fixed rate of 6.09 per cent for those with 10 per cent deposits, costing £1,105 per month for a £170,000 mortgage.\nExisting customers can get a two-year fixed rate of 6.04 per cent with a 40 per cent deposit, which costs £776.09 per month with a £120.00 mortgage.\nChris Brown, Director of Product and Marketing at Darlington Building Society, said: ‘The Darlington Building Society is redoubling its commitment to the mortgage market by reintroducing fixed rate mortgages, after remaining on the market with a range of variable rate options.\n“We know that this is a difficult time for buyers right now, and we hope that bringing our fixed-rate mortgages back to the market provides peace of mind and additional options for those looking to buy their own home or re-mortgage with the Society.\n“On top of this, all of our borrowers who apply for a mortgage continue to be considered by a person, not a computer.”\nThe average two-year fixed rate across all deposit sizes is now 6.48 percent, down from 6.65 percent last week, according to Moneyfacts.\nThe average for a five-year fix also fell to 6.34 percent from 6.43 percent in just a few days.\nEarlier in the week, Accord confirmed that it was cutting 5 percent deposit product rates by as much as 0.52 percent, and 10 percent deposit product rates by as much as 0.53 percent.\nThe slightly higher deposit products of 15 percent and 25 percent will be reduced by as much as 0.35 percent.\nThe lender also launched a ten-year term product.\nWhat to do if you need a mortgage\nBorrowers who need to find a mortgage because their current fixed-rate agreement is coming to an end, or because they have agreed to purchase a home, have been urged to act but not panic..\nBanks and building societies continue to lend and mortgages are still being offered and applications accepted.\nHowever, rates are changing rapidly and there is no guarantee that the deals will last and not be replaced by mortgages that charge higher rates.\nThis is the best Money Mortgage Rate Calculator powered by L&C that can show you offers that match the value of your mortgage and property\nWhat if I need to re-mortgage?\nBorrowers should shop around and talk to a mortgage broker and be prepared to act to secure a rate.\nAnyone with a fixed-rate agreement ending within the next six to nine months should consider how much it would cost to remortgage now and consider closing a new agreement.\nMost mortgage deals allow fees to be added to the loan and are then only charged when you withdraw. By doing this, borrowers can lock in a rate without paying expensive setup fees.\nWhat if I am buying a house?\nThose with agreed home purchases should also aim to lock in rates as soon as possible, so they know exactly what their monthly payments will be.\nHomebuyers should be careful not to overstretch themselves and be prepared for the possibility of house prices falling from their current high levels, due to higher mortgage rates limiting people’s borrowing capacity.\nHow to Compare Mortgage Costs\nThe best way to compare mortgage costs and find the deal that’s right for you is to talk to a good broker.\nYou can use our best mortgage rate calculator to display offers that match your home value, mortgage size, term, and fixed rate needs.\nKeep in mind, however, that rates can change quickly, so the advice is if you need a mortgage, compare rates and then speak to a broker as soon as possible, so they can help you find the right mortgage for you. .\n> Consult the best fixed-rate mortgages that you could apply for", "domain": "economics"}
+{"url": "http://kifirstnation.blogspot.com/", "date": "2019-01-20T10:31:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583705737.21/warc/CC-MAIN-20190120102853-20190120124853-00114.warc.gz", "language_score": 0.9590952396392822, "token_count": 2575, "dump": "CC-MAIN-2019-04", "global_id": "webtext-fineweb__CC-MAIN-2019-04__0__24266586", "lang": "en", "text": "In Parts of Canada, Landowners Battle Prospectors\nBy IAN AUSTEN\n2 September 2008\nThe New York Times\nLate Edition - Final\nCopyright 2008 The New York Times Company. All Rights Reserved.\nSOUTH FRONTENAC, Ontario -- When Peter Griesbach discovered someone had\nchopped down trees at his weekend house to make crude posts staking out\na mining claim, he assumed he could rid his land of the uninvited\nprospector relatively quickly. He was wrong.\nIndeed, seven years later Mr. Griesbach is still campaigning to change\nthe provincial law that allows anyone who pays the equivalent of $23.50\nto dig for pretty much any mineral on private property in much of rural\nHistorically high mineral prices have set off a new wave of prospecting\nin Canada, and with it new battles over mineral laws, some of which\ndate to the 19th century. Under the so-called free entry system,\neffective in much of Ontario, prospectors and miners have had\nrelatively unfettered access to private land in many areas.\nNow, after decades of promises to modify the law from successive\ngovernments, Mr. Griesbach and other landowners may finally find some\nmeasure of relief.\nAfter a highly publicized clash between an Indian tribe and a mining\ncompany this year, which led to the jailing of one native leader,\nOntario's government said it would alter the law by December. But\nchange is so controversial that even the broad details of any\nmodification will not be worked out for some time.\nBritish Columbia has had a rise in conflicts between landowners and\nprospectors, too, as it experiences a similar mining boom despite\nrecent legal reforms in that province that have made it harder to\ninvade private land.\nBut the controversy has been most intense in Ontario, where it has also\nled to increased divisions along economic, regional and class lines.\nMany owners of homes and ''cottages,'' as weekend or vacation homes are\nknown here, as well as farmers and ranchers in southeastern Ontario,\nwhere Mr. Griesbach has his cottage, are not keen to have their trees\nchopped down, land dynamited and soil turned over.\nBut in the vast, and relatively unpopulated, northern part of the\nprovince (where summer homes are usually called ''camps''), many\nresidents see increased mining as one of the few ways to avoid economic\nruin from the collapse of the pulp and paper industry there. Anything\nwith the potential to curb mining's expansion will meet with\nsignificant opposition in that region.\nStill, even some mining companies have started to feel a bit\nembarrassed by the controversy. ''There's a recognition from our\nmembers that private property owners deserve more rights than exist\nunder the current act,'' said Chris Hodgson, president of the Ontario\nMining Association, which represents large mining companies. ''I have a\nlot of empathy for a cottage owner that's discovered someone staking\nThe large mining companies represented by Mr. Hodgson, a former mines\nminister, do conduct some exploration work. But most prospecting and\nnearly all land conflicts involve small prospectors working on their\nown or for tiny mining companies. In Ontario, anyone can become a\nprospector provided they are at least 18 years old and have 25 Canadian\ndollars, plus tax, to acquire a license.\n''Claim staking is actually a pretty lucrative way of putting money\ninto your pocket,'' said Garry Clark, the executive director of the\nOntario Prospectors Association. But most people in the industry\nacknowledge that the chances of any particular claim becoming a mine\nThe promise of becoming rich through a mining discovery is enough for\nprospectors, or their clients, to raise money through Canada's venture\nmarkets or private investments, even though such efforts usually end in\ndisappointment. ''The odds are really against people,'' Mr. Clark said\nfrom his office in Thunder Bay, Ontario, the largest city in the north.\n''All we do is take money, not all of it our own, and then we gamble it\non one in 10,000 prospects.''\nThere are about 5,000 licensed prospectors in Ontario, but Mr. Clark\nestimates that only 2,000 people actively engage in the business, and\nmany spend some of their time plying other trades, such as trapping or\nThe one in 10,000 odds apply to staked claims that show evidence of\nmineral deposits. Neither Mr. Clark nor anyone else in the industry\ncould quantify the overall number of staked claims that become mines,\nalthough all agree that they are small.\nCanada's constitution does not provide property rights like those under\nmost American laws. Unlike Canada and many other countries, original\nland grants in the United States included both mineral and surface\nrights, making the fictional tale of the Clampett family as told in\n''The Beverly Hillbillies'' at least legally plausible. While the\nmineral rights were sometimes sold by landowners over times, most state\nlaws place limitations on prospecting.\nOver the years, the Canadian provinces have retained various rights to\nland they granted to private property owners. On some private land, for\nexample, the government still owns white pine trees, a law dating from\nthe era when their timber was valued as naval ships' sailing masts. The\nlaw is no longer enforced.\nMore commonly, particularly in the north, the government retained all\nthe mineral rights underneath privately owned land.\nSome landowners, mostly in the populous southern and eastern parts of\nOntario, were given both the surface and mineral rights to their\nproperties, depending on when the land was settled. But in many cases,\nthe mining rights reverted back to the government after an owner at\nsome point over the last 150 years or so failed to pay mining as well\nas property taxes.\nWhat owners do once they find out the limitations of their rights\nAfter learning that the prospector had the right to wander around his\ncottage and chop down trees, Mr. Griesbach, a real estate appraiser who\nlives near Kingston, Ontario, initially responded by taking out his own\nMetal tags on the stakes on his land indicated that they had been\nplaced of behalf of A. David Houston, the president and chief executive\nof Graphite Mountain, a company that was actually controlled by another\nof Mr. Houston's firms, Diamond Lake Minerals.\n(While incorporated in Utah, Diamond Lake was headquartered at Mr.\nHouston's home in Warkworth, a town in eastern Ontario.)\nBelieving that Mr. Houston had not properly followed all of the\ngovernment's staking rules, Mr. Griesbach used his prospector's license\nto file a counter claim on his own land. That challenge set off what\nbecame a series of seven hour drives to Sudbury, Ontario, to attend\nhearings before the Provincial Mining Recorder.\nTo further dissuade prospectors, Mr. Griesbach had part of his land\nregistered as a private firearms range with the federal government and\nposted suitably frightening signs saying, in effect, that anyone\nwandering on his land was in danger of being shot.\nDown the road from Mr. Griesbach, Donald T. Loucks and his wife, Mary,\nhad also discovered Graphite Mountain's stakes on the lands surrounding\nLong Pond Lake which they had gradually acquired over several decades.\nThe private lake had originally been the couple's summer cottage site\nbut they built a house and became full-time residents after Mr.\nLoucks's retirement from the insurance business in Toronto.\nThe mining stakes were just the beginning. A woodlands preservation\ngroup backed away from an agreement with the Loucks when it learned\nabout the mining claim. Shortly afterwards, Graphite Mountain moved\nheavy mining equipment onto a claim across the road from the Loucks's\nland and began blasting and drilling. For two summers, aerial survey\nplanes buzzed overhead.\n''It was like being under siege,'' said Mrs. Loucks, whose husband died\njust over five yearsago.\nThe situation drew to a legal stalemate and the exploration stopped.\nWhile Graphite Mountain still holds claims in the area, the company\nbecame inactive last September after the death of Mr. Houston.\nBy contrast, the dispute over a uranium mining claim not far from the\nGriesbach and Loucks properties in North Frontenac, Ontario, continues\nFrank and Gloria Morrison mounted a different counterattack than Mr.\nGriesbach, after stakes from Frontenac Ventures appeared in 2006 on 100\nacres of land they had retired to from Ottawa.\nMuch of Eastern Ontario, including North Frontenac, is the subject of a\ncomplex and longstanding land claim launched by the Algonquin Indian\ntribe. The Ardoch Algonquin First Nation, the local branch of the\ntribe, soon joined in protests against the uranium mining project after\nbeing contacted by Mr. Morrison.\nFrontenac Ventures, a privately held uranium mining company based in\nOakville, Ontario, eventually obtained a court injunction to keep\nprotesters out of the areas it was exploring. But Bob Lovelace, the\nchief negotiator for the Ardoch Algonquins and a lecturer at Queen's\nUniversity in Kingston, defied the order. He argued that he was\ngoverned by Algonquin law. That defiance led to a six month jail\nsentence and a 25,000 Canadian dollar fine against Mr. Lovelace.\nUltimately Mr. Lovelace served only 102 days in prison before the jail\norder and fine were both struck down by an appeals court in a decision,\nreleased in July, that rebuked the trial court for ignoring earlier\nrulings related to native land claims. The appeals court also\ncriticized the current mining act for being ''remarkably sweeping.''\nThe ruling has not ended the dispute. Nor has it reduced Mr. Morrison's\nresolve to block the project, a crusade that, he acknowledged, has\ndivided him from neighbors, generally lifelong residents of the area,\nwho see the mine as a potential source of jobs.\n''We've got our life savings right here in this land and now it's\nworthless,'' said Mr. Morrison, a professional musician and former\nemployee of the Canadian Police Association. ''I now understand what\nmakes a person an anarchist and what makes a person break the law.''\nExactly how the government will keep both the prospectors and\nlandowners happy with its revised mining act is unclear.\nMichael Gravelle, the minister of mines, said the bill will only be\ndrafted following another in a long series of consultations now\nunderway. Any legislation, he said, will have to contain ''an\nappropriate balance'' between landowner and mining interests.\nGeorge S. White, the president of Frontenac Ventures, which has spent\nabout 4 million to 5 million Canadian dollars on its project to date,\nsaid it would be a mistake to limit miners and prospectors,\nparticularly in the current buoyant minerals market.\n''The mining business in Ontario has been the backbone of the economy,\nit has served the province well for 150 years,'' he said. ''In a\nsituation like this, the responsibility is on the landowner to find out\nwhat they bought. We shouldn't be held up to ransom by somebody who\ndoesn't want mining.''\nAnd although Mr. White has little sympathy for Mr. Morrison in\nparticular, the two men do share one thing: frustration.\n''Had I known that this kind of opposition would develop, I would not\nhave got involved in the project,'' Mr. White said. ''It's something I\ndon't think anyone foresaw.''\nPHOTOS: Peter Griesbach found trees on his property chopped down to\nstake a mining claim. Years later, he is still fighting the\nprospector.; A claim stake on Mr. Griesbach's property in Ontario.;\nLike Mr. Griesbach, Mary Loucks also found claim stakes on her land.\nAfter a legal wrangle, the exploration stopped. (PHOTOGRAPHS BY IAN\nAUSTEN FOR THE NEW YORK TIMES)", "domain": "economics"}
+{"url": "https://estate-coin-jewelry-galleria.com/about-us/", "date": "2024-02-21T00:54:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473360.9/warc/CC-MAIN-20240221002544-20240221032544-00054.warc.gz", "language_score": 0.9556941986083984, "token_count": 1028, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__54477116", "lang": "en", "text": "Estate Coin & Jewelry Galleria located at 1650 Main Street in Sarasota, FL is a unique one-stop-shop that is both a coin store and a jewelry store. Our coin store and jewelry store makes it easy and convenient for anyone wanting to sell or add to their collection. You will find a variety of coins, paper money, diamonds, and an exceptional assortment of estate and vintage jewelry. Our physical storefront is open Monday-Friday by Appointment for your privacy and convenience.\nWith the combined experience of over 65 years in the numismatic and jewelry industry, our in-house coin dealers and jewelry buyers are able to provide you with the best price and advice possible. Please contact us for any questions about buying or selling any items you have. Depending on the circumstances we will gladly make a no-charge verbal offer for any items we are interested in. Full written appraisals for insurance and other needs are also available for coins, paper money and jewelry. Please contact Estate Coin & Jewelry Galleria for more details at 941-952-0100 or stop by our storefront.\nOur highest priority is your confidence and satisfaction!\nJerica, owner of Estate Coin & Jewelry Galleria, first entered into the collectibles business in 2004 where she began selling coins, stamps, currency and other miscellaneous collectibles on eBay. This experience eventually led her to a job at Numismatic Guaranty Corporation (NGC), one of the leading and most well-respected third-party grading companies in the coin industry. She worked as the Registry Set Coordinator for both US and world coins while at NGC.\nAfter leaving NGC in January 2012, Jerica started attending numerous high-profile coin, currency and jewelry shows both in the US and overseas as a coin dealer. This eventually led her into estate and vintage jewelry and opening Estate Coin & Jewelry Galleria.\nJerica has over 16 years of experience in her industry. She now focuses on one-of-a-kind estate jewelry, vintage jewelry, and diamonds. She has also obtained her GIA Diamond Grading Certificate. Jerica is our leading gold jewelry buyer, diamond buyer, scrap gold and silver buyer.\nJerica has even pursued her own sterling silver jewelry line-Jessa J. Jewelry. Please visit her Instagram that showcases more of the vintage and high-end jewelry at https://www.instagram.com/jericasjewels/\nRichard joined Estate Coin & Jewelry Galleria as an associate coin dealer and paper money dealer. He continues to attend almost every major trade show in the US and overseas. Estate Coin & Jewelry Galleria is very pleased to have Richard as his combined experience and knowledge in the collectibles field is outstanding!\nRick opened his first shop in 1979 in Sioux Falls, SD eventually selling it in 2005 upon moving to Florida. In 2005 Rick moved to Sarasota, Florida to start what is now Paper Money Guaranty (PMG), a sister company of Numismatic Guaranty Corporation (NGC) both which are part of the Certified Collectibles Group (CCG). Rick served as a grading finalizer until 2011.\nWhile at PMG Rick was able to grade and handle many of the highest quality and rarest US and foreign currency known, with several individual pieces being worth over a million dollars. The highlight of his time at PMG was flying out to the American Numismatic Association (ANA) office to inspect the Aubrey Bebee Collection of US Currency valued at over 30 million dollars and eventually grading it for the ANA. The ANA regularly displays parts of the collection now in PMG holders at ANA shows around the United States each year as well as in the museum in Colorado Springs, Colorado.\nOver the past 50 years, Rick has attended over 1,500 coin and currency shows. The list includes every major US show, countless other smaller shows, as well as shows in Europe and Asia. Rick has not only handled coins and currency but has over the years bought and sold stamps, postcards, tokens and small misc. collectibles too numerous to list fully. The Inverted Jenny C3a US Airmail stamp position #7 currently valued in the $300,000 range and an 1870 CC $20 US Gold coin in XF45 valued in the $320,000 range are just two of the many high-profile items he is proud to have personally handled in the past. He is a very seasoned coin and paper money dealer. He is our leading coin buyer.\nNo matter how large or small your collection we can give you professional advice when it comes to buying, selling, appraising or simply just have questions about a variety of collectibles. We buy coins, paper money, gold, fine jewelry, scrap gold, diamonds, Rolex watches, watches, sterling silver flatware, etc.\nMembers of: PCGS, NGC, PMG. PCDA, ANA., CSNS, IBNS, F.U.N., GIA Certified-Diamond, GSCC", "domain": "economics"}
+{"url": "https://www.mako.com/trading-and-technology", "date": "2022-09-26T02:13:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030334644.42/warc/CC-MAIN-20220926020051-20220926050051-00171.warc.gz", "language_score": 0.9398322701454163, "token_count": 532, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__52197055", "lang": "en", "text": "Our cutting-edge platform allows us to provide around the clock liquidity to global exchanges.\nMako is a trading company committed to technological innovation. Our reputation is built upon our consistent provision of liquidity across all market cycles, especially periods of high market stress. Our history has followed options market making from open outcry in the trading pits of London, Amsterdam and North America, through to screen based trading. We were at the forefront of automated and systematic trading when bespoke technological solutions began to play an increasingly prevalent part in the evolution of the industry. Now, a large percentage of our global workforce is dedicated to designing, building, optimising and maintaining our latency sensitive proprietary trading systems. Our success in this journey is underpinned by our expertise developed over the last 20 years as well as our entrepreneurial and collaborative culture. We are proud of our history, however, we firmly believe that our commitment to rapid innovation and support of intellectual curiosity mean that our best days are ahead of us.\nWe have extensive experience managing risk in positions generated across the full volatility surface which gives us the confidence to provide reliable and continuous liquidity throughout all market cycles.\nWe have built and nurtured a rich network of long standing relationships with market participants and endeavour to always meet our obligations as a leading liquidity provider, especially in times of extreme volatility.\nThrough collaboration and research we have combined our in-depth, cross-market knowledge with a rigorous mathematical approach to design a suite of algorithms driving our globally scaled proprietary trading platform.\nWe are as much a technology company as a trading one. Our developers work closely with trading to design, implement and support our proprietary trading systems and strategies, deploying advanced trading applications over low latency infrastructure.\nMako encourages a collaborative and entrepreneurial approach where we combine our traders' knowledge and expertise with technological, mathematical and operational excellence.\nOur proprietary platform has been designed to operate in a fully automated and systematic way. Whilst we are not a high frequency trading firm, our hardware and software is optimised to perform at ultra low latency.\nOur traders employ sophisticated statistical models which are underpinned by high quality testing and our ability to access and process large volumes of historical data.\nWe combine advanced theory with rigorous market research methods, overlaying our practical expertise to produce robust models which generate alpha and evolve dynamically over time.\nMako operates an extensive global network and is co-located in all major derivatives exchanges across the globe. Our infrastructure and systems engineers work closely with Mako software and hardware development teams to architect, deploy and maintain our entirely in-house platform. Collaboration between teams facilitates a fast innovation loop allowing us to maximise our technical advantage.", "domain": "economics"}
+{"url": "http://www.ukvia.co.uk/who-we-are/", "date": "2020-04-07T03:46:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585371665328.87/warc/CC-MAIN-20200407022841-20200407053341-00166.warc.gz", "language_score": 0.9362707138061523, "token_count": 905, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__210083077", "lang": "en", "text": "Who we are\nAs the country’s leading forum for supporting, developing and promoting the £1bn vaping industry, the UK Vaping Industry Association (UKVIA) is spearheading one of the biggest market disruptions in the 21st century – the seismic shift from smoking to vaping.\nWe comprise some of the UK’s most entrepreneurial and fastest growing independent vaping businesses, tobacco and pharmaceutical companies who are seizing the opportunity to play their role in the move towards a smokefree society and a range of professional and ancillary services providers\nWe represent the largest proportion of the UK marketplace and the entire supply chain including manufacturers, retailers, wholesalers and distributors who all share our vision: “a world where the evidence-based life changing public health benefits of vaping products are fully understood and the positive impact is maximised.”\nOur government, the regulators, consumers, the public health community, the vaping industry and the media are all key in making this vision a reality. That’s why we’re all about educating, informing, reassuring and championing our key stakeholders so that the shift from smoking to vaping continues unabated and the public health benefits of doing so are realised fully. This involves:\n- Establishing the utmost confidence in vaping products through scientific and non-clinical research that presents the public health case for vaping;\n- Campaigning for regulation which is in the health and safety interests of consumers and is fair to the vaping industry;\n- Raising awareness of vaping amongst consumers and educating them about the products on the market through our VApril campaign;\n- Setting the highest levels of quality standards in the industry covering manufacture, ingredients and electronic functioning of products;\n- Promoting and supporting the growth of the industry and its contribution to the UK economy.\nThe current Annual Report highlights the achievements of the Association and its members during 2017/2018 as well as the continued growth of the industry and the mounting evidence to support the public health benefits of vaping. It also puts the focus on key regulatory challenges and the priorities ahead for the vaping sector.\nAs a consumer you want to know that vaping products are safe when using them. Likewise, as a regulator you want complete confidence in the products that are on sale in order to protect the interests of consumers.\nThat’s why the UKVIA and its members are taking a lead when it comes to developing health and safety standards for the industry – both in terms of hardware and liquids.\nReports of side effects or product safety concerns associated with e-cigarettes or e-liquids can be reported to the Yellow Card Scheme. These can be reported online using the Yellow Card online reporting form here by both consumers and healthcare professionals.\nReports of non compliance with the TRPR can be sent to TPD.email@example.com or reported to local Trading Standards offices.\nThe UKVIA Directors\nIn 2008 Christian was invited to join DSL Group, one of the UK’s leading forecourt promotions businesses, as their business development director. In 2012 the group diversified further into the electronic cigarette category with the creation of multiCIG and subsequently the multiVAPE brands.\nJohn has a strong background and reputation in the European Electronic cigarette industry having held senior executive positions in some of Europe’s biggest companies, and advises many leading industry analysists, financial institutions and media organizations looking at the vaping category.\nDoug, who has 15 years’ experience within FMCG, retail, manufacturing & technology industries, is Manufacturing & Compliance Director at VPZ, the UK’s largest vape retail chain with 100 plus stores and a major manufacturer of e-liquids.\nDan is an owner of both Vape Club; the UK’s largest online vape specialist, and Vape Base; a leading distributor of eliquid and hardware to the UK and Europe. Joining the industry in 2013, Dan is a passionate vaping advocate and has spoken at many conferences and political engagements.\nDan launched Oxford Vapours in 2012 at just 17 years old. Inspired by the idea of stopping his family members from smoking and with a few hundred pounds of savings, Dan starting selling starter-kits in a shopping centre in Oxford. The company has since grown to 3 shops, oxfordvapours.com, the VapeVan™ SameDay Delivery Service and the ’Ohm Boy’ brand of E-liquids.", "domain": "economics"}
+{"url": "http://ocga.org.au/?/gallery-of-achievement/wilson_bwc/", "date": "2021-01-23T23:47:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703538741.56/warc/CC-MAIN-20210123222657-20210124012657-00799.warc.gz", "language_score": 0.9701855778694153, "token_count": 154, "dump": "CC-MAIN-2021-04", "global_id": "webtext-fineweb__CC-MAIN-2021-04__0__207258790", "lang": "en", "text": "The Wilson family took a controlling interest in H J Reece (Holdings) Limited in 1969. At that time the company was a small ASX listed hardware and plumbing supply merchant with an outlet in Caulfield and Clayton.\nAfter completing a Bachelor of Commerce at the University of Melbourne, Bruce joined the family business in the areas of finance and administration, leading to roles of Company Secretary and Finance Director.\nThe holding company now operates as Reece Australia Ltd and is the largest plumbing supplier to the trade and retail in Australia, having 440 outlets and operating in all Australian States and New Zealand.\nReece Australia Ltd is now regarded as one of Australia’s highest performing companies and has been consistently listed in the ASX top 100 in recent years.", "domain": "economics"}
+{"url": "https://audiofictionbook.com/from/post/2009/2/mcmafia-a-journey-through-the-global-criminal-underworld-audiobook-download-free-by-misha-glenny.php", "date": "2020-10-26T20:56:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107892062.70/warc/CC-MAIN-20201026204531-20201026234531-00421.warc.gz", "language_score": 0.8585898876190186, "token_count": 375, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__93220451", "lang": "en", "text": "You can listen to this audiobook in formats: FLAC, WMA, WAV, ATRAC, MPEG4, AAC, MP3, WMA Lossless (compression ALZ, Z, JAR, TAR.Z, RAR, CBZ, ZIP)\nTotal pages original book: 375\nIncludes a PDF summary of 36 pages\nDuration of the summary (audio): 25M56S (7.2 MB)\nDescription or summary of the audiobook: Misha Glenny's groundbreaking study of global organized crime is now the inspiration for an 8-part AMC crime drama starring James Norton (War and Peace), Juliet Rylance, and David Strathairn. With the collapse of the Soviet Union, the fall of the Berlin Wall, and the deregulation of international financial markets in 1989, governments and entrepreneurs alike became intoxicated by dreams of newly opened markets. But no one could have foreseen that the greatest success story to arise from these events would be the worldwide rise of organized crime. Today, it is estimated that illegal trade accounts for one-fifth of the global GDP. In this fearless and wholly authoritative investigation of the seemingly insatiable demand for illegal wares, veteran reporter Misha Glenny travels across five continents to speak with participants from every level of the global underworld-police, victims, politicians, and even the criminals themselves. What follows is a groundbreaking, propulsive look at an unprecedented phenomenon from a savvy, street-wise guide.\nOther categories, genre or collection: True Crime Biographies, Social & Cultural History, Crime & Criminology, True Crime Books\nDownload servers: BitShare, Hotfile, Microsoft OneDrive, Firedrop, Mediafire, 1337x. Compressed in ALZ, Z, JAR, TAR.Z, RAR, CBZ, ZIP", "domain": "economics"}
+{"url": "https://faithfightsfoodwaste.org/food-waste-in-america-a-current-conundrum/", "date": "2024-02-21T12:51:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473472.21/warc/CC-MAIN-20240221102433-20240221132433-00633.warc.gz", "language_score": 0.9467846155166626, "token_count": 3598, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__124129358", "lang": "en", "text": "Picture this: You’re up early on a weekend morning at your favorite grocery store, looking to get a jump start on your weekend. Virtually the only person in the store a few minutes after six AM, you head back to the meat department to get the main course for a special meal that night. You immediately notice a store employee pulling multiple packs of high-grade meat off the shelves – ribs, filets, steaks and ground beef – and tossing them into a rolling cart. With a sinking feeling, you ask “Are you throwing all of that out?” “Yes,” he replies, “It’s past its sell-by date.” Stunned, you ask, “Don’t you donate any of that?” “No, we don’t do that, we don’t want anyone suing us,” he answers.\nSadly, that’s a fairly typical mindset in retail food stores across the U.S, where litigation fears (and the law) often trump common sense and help sway our collective moral compass. But look deeper. Watch employees at your go-to food retailer continually removing fruits and vegetables from displays in an effort to follow store policy which showcases only the most pristine items. Note how baked goods and prepared foods are robotically discarded on time schedules so that only the freshest items are available for purchase. Take a walk outside to the back of the store and note the multitude of rolling garbage bins. Look inside, and you’re likely to see a plethora of food items – bread, fruits, vegetables, meats – many of which are perfectly good to eat and high in nutrition content – awaiting transfer to a landfill. There they will rot away, polluting the environment rather than serving their intended purpose of nourishing people.\nSuch is the situation in America today, where far too much of our food supply is squandered. In fact, more than 130 billion pounds of food (or 31% of the available food supply at the retail and consumer levels) with a value in excess of $160 billion was uneaten in 2010. The Environmental Protection Agency estimates that more food (over 70 billion pounds) in municipal solid waste reaches landfills than any other single material in our everyday trash, constituting 24 percent of municipal solid waste in landfills.iii Such gargantuan figures can be hard to fathom, but author and expert Jonathan Bloom made them more tangible for many in noting that we waste enough food in the U.S. to fill the Rose Bowl every day. iv Notably, the USDA figure does not include Cisco Systems’ 2016 estimate of 11 billion pounds of excess food grown, but never consumed, in America’s home and community gardens annually.v\nCouple that wastage with the excessive levels of hunger in America, where nearly 50 million citizens (about 15% of the population, many of them children and seniors) live in poverty vi and our wasteful behavior appears irrational. In 2019, there were 35.2 million people or 10.5 percent of households who were food-insecure, meaning that at times during the year, these households were uncertain of having, or unable to acquire, enough food to meet the needs of all of their members.vii Add in multiple other negatives of food waste, including air and water pollution and the opportunity cost of wasted resource inputs, and it is clearly nonsensical. The fact that we continue to waste so much food has long been a conundrum; and it is high time that we transitioned from conundrum to clarity on the gravity of the food waste problem in order to advance meaningful, national efforts to put our food to responsible use. viii\nA look back\nBut let’s back-up a step. A key to that effort involves restoring the degree to which we value food. History, and especially our grandparents, can teach us important lessons in that regard, born from necessity associated with resource scarcity. Periodicals from the War years were full of motivational advertisements developed by the government encouraging the responsible use of food. Food was described as a “weapon” and as “fighting strength” – a resource that would “win the War.” Individuals were encouraged to “lick the platter clean,” “share food,” “preserve food,” and “make food go all the way.” In a wartime environment such admonitions were clearly understood, and they were followed, shaping the values and behavior of that generation.\nToday, however, those values are noticeably absent, replaced by a fixation with convenience and saving time that leads to excessive waste. We live in a throwaway economy where portions of items are used with the remainder immediately discarded, and food is no exception. Wasted food occurs everywhere in the U.S., at all stages of the food supply chain – from farm to distributor to retailer to our homes. Just two generations removed from the War years, we have quickly moved from a culture of responsibility regarding our food to a culture of abundance.\nWhy is that? A few key reasons stand out:\nAbundance: Food is everywhere – in vast quantities, in overflowing displays, and in multiple packaging formats. It is available at all hours, and in great variety. It is not only abundant, it is beautiful – perfect in size, shape, and color – and we expect nothing less.\nEmphasis on Freshness: It is also extremely fresh. This theme reverberates through the supply chain. Retailers want to be known as having the freshest items; continually culling fruits and vegetables with minor blemishes and discarding prepared foods beyond designated time windows. On the farm, produce deemed “too ripe” (i.e. with limited shelf life) will often simply be plowed under by growers. In our homes, consumer confusion over freshness date labels (best by, sell by, use by, best before, etc.) and a “when in doubt, throw it out” mentality fuels additional food discards.\nLow Cost: Our food is relatively inexpensive, indeed considered “cheap” by most of the world — although that cheapness is artificial as many of the true costs involved in the production of our food (e.g. subsidies and environmental costs) are not borne by the producers.ix That perception has created a system in which consumers are quick to discard food nearing shelf-life dates for fear of sickness, while retailers act similarly due to fear of liability exposure and reputational risk. Such a mindset is easy because in much of the country trash is easy, and disposal to landfill is relatively inexpensive.\nLack of knowledge/connectivity: For decades, millions of home and community gardeners were blessed with excess produce, but lacked knowledge of both the great need for that food across the country and the local agencies where it could be taken and put to best use. Where donation connections were publicized, they tended to emphasize processed food in jars, cans, and boxes, and not fresh fruit and vegetables, for ease of storage and distribution. Similarly, larger farmers and growers often had excess produce on hand, but passed up the opportunity for donations due to lack of knowledge of, or lack of access to, relief agencies in need and/or effective gleaning teams to harvest the excess food. Concerns over operational disruption and/or liability fears further suppressed the incentive to donate. In short, these constraints reinforced the notion that produce was abundant, and easily discarded or plowed under.\nNot surprisingly, the combination of all of these themes – abundance, perfection, low cost, freshness premiums, consumer confusion, cheap disposal options, and lack of connectivity – has led to an alarming amount of wasted food which really shouldn’t be viewed as “waste” at all but instead as a valuable resource to be unlocked for the benefit of people and planet. Myriad factors related to production and distribution (including weather, pests, machinery damage, package damage, transportation delays, supply and demand variability, etc.) result in additional losses.x\nWe need to reset this situation, yet it’s particularly concerning to note that estimates of food waste have been on the rise.\nWe need to reset this situation, yet it’s particularly concerning to note that estimates of food waste have been on the rise. A 1977 government study estimated that 20% of the food produced for consumption in the U.S. was lost annually. A study twenty years later put that figure at 27%, while more recent estimates are in the gains over the same period. Further, a landmark report estimated that food waste and loss across the 30-40% range.xi Obviously a disconcerting trend when one considers the accompanying technologicalglobe could be as high as 50% annually.xii Such inefficiency is staggering. What business enterprise could survive with that level of waste?\nThe consequences of food waste are serious – socially, morally, environmentally, and financially.\nThe consequences of food waste are serious – socially, morally, environmentally, and financially. At the most basic level, by wasting food we miss the opportunity to feed people – our neighbors – and therefore miss the ability to spread goodwill and build community. Today, hunger is largely an issue of nutrition, and by discarding fruits, vegetables, dairy products and meat proteins, we deprive those in need of the high-quality calories that they need most for good health. With more than one-third of the adult U.S. population now obese, and the estimated annual medical costs of obesity at roughly $150 billionxiii, the potential to improve nutritional intake for people experiencing nutrient deficiency by redirecting excess high-quality food to relief agencies is enormous. In fact, wasted fruit can be viewed as “the low-hanging fruit” in this arena.\nWasted food also significantly harms the environment. Food that decomposes in landfills creates methane gas, which the U.S. Environmental Protection Agency (EPA) shows has more than twenty times the global warming impact of carbon dioxide. xiv Wasted food also consumes limited landfill space and leads to water pollution through run-off.\nNotably, wasted food involves the waste of all of the resources that went into producing it in the first place – water, fertilizers and pesticides, fuel, and all of the associated human capital and labor. Together, the environmental harm and the wasted resource inputs associated with food waste carry great financial cost. Further, some reports note that the U.S. spends another $1 billion annually just to haul excess food away.\nHunger. Health. Environment. Economy. Food waste traverses all of these themes. As such, it is more than an issue of food security – it is an issue of national security. Reducing wasted food and redirecting those food assets to other positive uses is a challenge, but also an enormous opportunity – one that not only feeds people, improves health, benefits the environment, and saves money, but also one that has the potential to bring communities closer together. It’s an opportunity that we can ill afford to miss.\nEmbracing that opportunity involves mindset change such that our everyday decisions are guided by the desire to optimize our use of food – much as we do with any scarce resource. To get there, we need to first become more aware of the food waste problem, open our eyes to the amount of waste that is occurring, reexamine our values, educate ourselves and others on the consequences of that waste, and change our behavior while also raising our expectations of others (such as our favorite retailers and restaurants) in the food supply chain. This is not such a difficult transition if we all simply look a little harder at all of the waste that is occurring around us and consider the great potential in that food.\nThe EPA’s Food Recovery Hierarchy is a useful tool to guide this behavior shift – providing individuals and organizations with a tier of options for optimizing the use of potentially wasted food ranging from most preferred to least preferred. The hierarchy starts with source reduction (i.e. not producing food waste in the first place), and moves to feeding people, feeding animals, industrial uses, composting, and landfill. For backyard gardeners and farmers/growers of all sizes, feeding people is obviously the preferred goal once the food is produced. A commitment to follow the hierarchy, particularly by food sector organizations dealing in significant volumes of food, is a significant step toward minimizing waste and maximizing the value of food. Such an effort often results in financial savings, environmental benefit and positive press in the community along with inspired employees. A fine example is Campbell Soup’s Just Peachy salsa effort, in which the company partners with local peach producers and the Food Bank of South Jersey to produce jars of salsa from off-spec peaches that, while perfectly delicious, would not qualify for retail distribution and would otherwise go to waste.xv The Food Bank buys the peaches for a heavily discounted rate, giving the farmers an outlet and allowing them to earn some revenue from the peaches rather than paying to dispose of them. Campbell donates manufacturing and packaging costs, and its employees volunteer to help package the jars for distribution to retailers. Sale of the salsa generates income for the Food Bank to finance hunger-relief efforts, farmers save money, food is diverted from landfill, and Campbell gains standing in the community while also inspiring its employee base (helping to both attract and retain talent).\nIn the U.S., a significant percentage of annual food waste occurs at the retail level, where individual consumers have the opportunity to play a big role in driving food waste reduction. That shift starts with increased awareness of the gravity of the problem, which is getting a push from the Ad Council’s current “Save The Food” campaign along with an ever increasing supply of articles and media posts on the subject. Food waste is big news, as it should be, because it makes no sense. More formal educational efforts should be implemented to impact youth – our future legislators – on the consequences of food waste and the potential locked within excess food. Teaching our kids that wasting food is “not cool” will hasten the shift from a culture of abundance to a culture of responsibility.xvi Together, impactful awareness campaigns and education efforts should propel a reexamination of our values regarding food – returning us to the mindset of our grandparents where food was appropriately valued as the life- sustaining resource that it is. With newfound knowledge, consumers should be questioning not only their own behavior regarding food (and how not to waste it), but the behavior of producers, retailers, and restaurants as well. When consumers consistently reward responsible corporate behavior with their purchasing dollars, we can expect acceleration in the shift toward minimizing food waste.\nBroadly, food waste is a simple issue to get behind. After all, who would argue that more food waste is a good thing? With rising awareness of the social and environmental benefits to reducing food waste, and the growth in technology-based solutions to facilitate redistribution of excess food, it is now much easier for the average individual to act responsibly regarding food. The real challenge is largely cultural – changing mindsets and values broadly and deeply enough such that minimizing food waste is the expectation among all of the players in the food system. And viewed in conjunction with pressing themes of hunger, health, environment, economy, community, and security, it’s clear that achieving that cultural shift is more than just an admirable goal.\nSteven M. Finn, Lauren Goldberg, and Gary Oppenheimer, August 2019\ni https://www.law.cornell.edu/uscode/text/42/1791 The Bill Emerson Good Samaritan Food Donation Act\nii Buzby, et al. The Estimated Amount, Value, and Calories of Postharvest Food Losses at the Retail and Consumer Levels in the United States. USDA Economic Information Bulletin Number 121. February 2014.\niv Bloom. American Wasteland. Da Capo Press. 2010.\nv AmpleHarvest.org. Food Waste In America. 2016. Available at: http://ampleharvest.org/food-waste-in-america/\nvi Feeding America. Hunger and Poverty Facts and Statistics. 2016. Available at: https://www.feedingamerica.org/research\nvii Bloom and Finn. Food Waste: From Conundrum to Clarity. In Food Waste Across the Supply Chain: A U.S. Perspective on a Global Problem. Council for Agricultural Science and Technology. 2016.\nviii Bloom and Finn. 2016.\nix Kantor, et al. Estimating and Addressing America’s Food Losses. Food Review. Jan-April, 1997.\nx Finn. Valuing Our Food: Minimizing Waste and Optimizing Resources. Zygon –Journal of Religion & Science, December 2014, V. 49.\nxi Fox, et al. Global Food: Waste Not, Want Not. Institution of Mechanical Engineers. November, 2013. xii Centers for Disease Control and Prevention. Adult Obesity Facts. 2016. Available at: https://www.cdc.gov/obesity/data/adult.html\nxiv Just Peachy Salsa Raises Funds For Hunger Relief. Available at: http://www.campbellsoupcompany.com/newsroom/news/2015/08/27/just-peachy-salsa-raises-funds- for-hunger-relief/\nxv Bloom and Finn, 2016.", "domain": "economics"}
+{"url": "https://enewspaper.com.pk/ecc-approve-sugar-import-tenders-of-50000-mt/", "date": "2021-12-07T09:36:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363337.27/warc/CC-MAIN-20211207075308-20211207105308-00596.warc.gz", "language_score": 0.8959644436836243, "token_count": 1251, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__185341874", "lang": "en", "text": "ISLAMABAD, (APP): The Economic Coordination Committee (ECC) of the Cabinet on Thursday approved to import of 50,000 MT of sugar to maintain sufficient stock in the country.\nThe ECC approved to import sugar in 03 segregated tenders of 50,000 MT each so that there is more participation and increased competition when international prices fall down, said a press release issued by the Ministry of Finance here.\nFinance minister Shaukat Tarin presided over the meeting of the Economic Coordination Committee (ECC) of the Cabinet.\nSecretary, M/o Industries and Production, Jawwad Rafique Malik briefed the Committee about the availability of sufficient stocks of sugar.\nHe further apprised about the steps being taken to import sugar for building strategic reserves.\nThe Committee further emphasized ensuring a smooth supply of sugar throughout the country and directed to initiate crushing by sugar mills at the beginning of November 2021 as done last year.\nFinance Division presented an updated summary regarding Kamyab Pakistan Program (KPP) before ECC.\nThe program has been streamlined in consultation with stakeholders to disburse micro-credit for uplifting marginalized segments of society.\nKPP has five components namely Kamyab Karobar, Kamyab Kissan, Naya Pakistan low-cost Housing, Kamyab Hunarmand, and Sehatmand Pakistan. Under the first 03 components, micro-loans shall be disbursed among eligible persons registered with Ehsaas through the National Socio-Economic Registry (NSER) who have a family income of up to Rs.50,000 per month.\nThe last two components of KPP will be integrated with the existing programs.\nKPP is aimed to integrate with Government’s ongoing skill development program for imparting educational and vocational training.\nAs per the revised framework of KPP, the selection of Wholesale Lenders (Banks) will be through competitive bidding in line with PPRA rules.\nThe Micro Finance Providers (MFPs) will be selected by the wholesale lenders.\nThe Government will provide two guarantees of a 10 percent first loss guarantee to MFPs and a 50 percent guarantee to Wholesale Lenders (WLs) on a pari-passu/risk-sharing basis.\nDuring the first phase, KPP will be launched in Balochistan, Khyber Pakhtunkhwa, Gilgit-Baltistan, AJK, and a few of the poorest districts of Sindh and Punjab. KPP will be extended to the whole of Pakistan eventually.\nOn the implementation side, the Kamyab Pakistan Information System (KPIs), a digital portal, is being established which is fully integrated with telecommunication companies, NTC, Ehsaas/NSER, and NADRA for verification of beneficiary’s eligibility.\nAfter due deliberation, the ECC approved the Kamyab Pakistan Program for onward submission before the Cabinet.\nThe members of ECC commended the salient features of the Kamyab Pakistan Program and regarded it as a flagship initiative of the present government to empower the under-privileged population having limited resources.\nThe ECC considered and approved another summary by the Finance Division regarding the fixation of dividends at the rate of 10 percent on the face value of SBP shares for the financial year ended on June 30, 2021.\nMinistry of Industries and Production presented a summary regarding approval for disbursement of salaries to PSM employees for the FY/2021-22.\nAfter due deliberation, the ECC accorded approval for payment of salaries to the employees on monthly basis till the implementation of the complete human resource retrenchment plan.\nThe ECC considered and approved a Technical Supplementary Grant (TSG) in favor of the Ministry of Interior for the construction of Frontier Constabulary Training Centre, Michni, Khyber Pakhtunkhwa amounting to RS.50 million during FY 2021-22.\nThe ECC accorded approval for the lowest bid received for the award of the fourth international wheat tender for the FY 2021-22 to import 120,000 MT of wheat as tabled by the Ministry of National Food Security and Research.\nThe Finance Minister, as a Chairman of ECC, stated that mutual consultation will pave the way for collective decision-making under the umbrella of Cabinet Committees.\nThis facilitates the process of decision-making in the public sector.\nThe ECC considered and approved another summary presented by the Ministry of National Food Security and Research for the purchase of 40,000 MT of Wheat from PASSCO by the World Food Programme (WFP).\nM/o Energy presented a summary regarding financial support to GENCOS.\nAfter detailed deliberations, the ECC approved Rs. 500 million as a Technical Supplementary Grant out of the total budget allocated to the Power Division.\nLastly, the ECC considered and approved another summary presented by the Power Division regarding 40 percent payment of the total amount payable to IPPs of 2002 policy.\nAmong others, Federal Minister for Planning Asad Umar, Federal Minister for Energy Hammad Azhar, Federal Minister of National Food Security and Research Syed Fakhar Imam, Federal Minister for Railways Azam Khan Swati, Minister of State for Information and Broadcasting Farrukh Habib, Federal Secretaries, Governor State Bank, and other senior officers participated in the meeting.\n(Please send your news, article, pictorial to our email address <firstname.lastname@example.org & WhatsApp +923132434567 / +923332100737\nPLEASE SEND YOUR COMMENTS Thanks)\n(facebook ID shujaullahk) https://www.facebook.com/\nNewspaper on Facebook: https://www.facebook.com/Enewspapercompk-182394028490643\n(twitter: KhanShujaullah) https://www.twitter.com/home\n(linkedin: shuja-ullah-khan) https://www.linkedin.com/feed/", "domain": "economics"}
+{"url": "http://www.thehayesprimaryschool.co.uk/swimming-payment/", "date": "2018-09-18T20:27:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-39/segments/1537267155676.21/warc/CC-MAIN-20180918185612-20180918205612-00293.warc.gz", "language_score": 0.9624103903770447, "token_count": 276, "dump": "CC-MAIN-2018-39", "global_id": "webtext-fineweb__CC-MAIN-2018-39__0__229244692", "lang": "en", "text": "In order to maintain our swimming programme for all children we would be grateful if you would make your yearly swimming contribution of £50 via two ways. Either by our My Donate page (see link below) or via Parent Pay (see link below).\nIf you are paying via My Donate, please click on Gift Aid if you are a taxpayer. Due to the charitable status of the swimming pool, we are able to claim Gift Aid if you tick the box on the My Donate page. This enables us to claim extra funding from central government which we can use to further provide educational resources for your child(ren). Please click! However the choice of how to pay is completely up to you!\nOr if preferable, you can pay via Parent Pay which has been set up for you to pay your contribution in instalments if this is favourable to you. The fees are £50 per child, which works out at approximately £1.30 per lesson for every child from Reception to Year 6 to enjoy the benefits of a weekly swimming lesson. I am sure you will agree this is excellent value in comparison to the costs you would incur for private swimming lessons elsewhere which average £6.70-£9 a lesson (and that is without the cost of transport!) If you have more than one child at The Hayes, please feel free to pay over two terms.", "domain": "economics"}
+{"url": "https://www.cainteriordesigns.co.uk/2024/02/16/money-saving-ideas-for-your-renovation/", "date": "2024-04-17T11:28:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817153.39/warc/CC-MAIN-20240417110701-20240417140701-00658.warc.gz", "language_score": 0.8918465375900269, "token_count": 772, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__59160085", "lang": "en", "text": "Renovating your home can infuse new vitality into your living space, yet often it accompanies a substantial price tag. However, with strategic planning and creativity, you can accomplish your renovation aspirations while adhering to your budget. Here are some money-saving ideas to contemplate for your renovation project:\n1. Establish a Realistic Budget: Prior to delving into your renovation project, set a practical budget grounded in your financial circumstances and priorities. Conduct research on the costs of materials, labour, and other expenses associated with your renovation to ensure your budget aligns with your objectives.\n2. Prioritise Renovation Needs: Identify the primary areas of your home that necessitate renovation and prioritise them based on urgency and significance. Concentrate on addressing essential requirements like structural repairs, safety enhancements, and functionality improvements before tackling cosmetic enhancements.\n3. DIY Whenever Feasible: Trim expenses on labour costs by undertaking certain renovation tasks yourself. DIY projects such as painting, installing flooring, and minor repairs can notably reduce expenditures. Nonetheless, be pragmatic about your skills and capabilities to circumvent costly errors necessitating professional intervention later on.\n4. Shop Around for Deals: Dedicate time to compare prices for materials, fixtures, and furnishings. Hunt for sales, discounts, and clearance items at home improvement stores, online retailers, and local suppliers. Consider purchasing gently used or refurbished items to economise even further without compromising on quality.\n5. Reuse and Repurpose: Embrace the concept of “upcycling” by repurposing existing materials and furnishings in your home. Salvage usable materials like wood, hardware, and fixtures from demolition or renovation debris and integrate them into your project. Innovate with furniture and decor by giving old pieces a fresh coat of paint or repurposing them for new functions.\n6. Consider Alternative Materials: Explore cost-effective alternatives to high-end materials and finishes without compromising on style or durability. For instance, opt for laminate flooring instead of hardwood, laminate countertops instead of granite, and vinyl siding instead of wood. Investigate eco-friendly and sustainable materials that offer long-term savings and environmental advantages.\n7. Plan for Efficiency: Include energy-efficient upgrades in your renovation plans to save money on utility bills in the long term. Install LED lighting, programmable thermostats, energy-efficient appliances, and insulation to reduce energy consumption and enhance comfort. Take advantage of government incentives and rebates available for energy-efficient home improvements.\n8. Avoid Structural Changes: Minimise costs by refraining from major structural changes that necessitate extensive demolition and reconstruction. Work with the existing layout and footprint of your home wherever possible to diminish labour and material expenses. Concentrate on cosmetic enhancements and functional upgrades that enhance the aesthetics and usability of your space without major alterations.\n9. Negotiate with Contractors: When engaging contractors and tradespeople for your renovation project, do not hesitate to negotiate prices and explore flexible payment options. Obtain multiple quotes from reputable professionals and discuss ways to streamline the project timeline and reduce costs without compromising quality or safety.\n10. Plan for Contingencies: Allocate a budget for unforeseen expenses and contingencies that may arise during the renovation process. Set aside a contingency fund of 10-20% of your total budget to cover unexpected issues, changes in scope, or project delays. Anticipating contingencies in advance will help mitigate financial stress and ensure your renovation remains on track.\nBy implementing these money-saving ideas and adopting a strategic approach to your renovation project, you can attain your desired outcomes while maximising value and minimising costs. With meticulous planning, creativity, and resourcefulness, you can revitalise your living space without straining your finances.", "domain": "economics"}
+{"url": "https://docs.asx.capital/about-asx/introduction", "date": "2024-04-16T04:50:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817043.36/warc/CC-MAIN-20240416031446-20240416061446-00661.warc.gz", "language_score": 0.9082545042037964, "token_count": 147, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__156355425", "lang": "en", "text": "The ASX Ecosystem is being developed with a focus on asset diversification and ease of access for investors. The ecosystem will consist of a number of funds, beginning with the Flagship Fund, a multi-asset fund consisting of real world assets (RWAs), yield bearing defi positions, and investments in early stage venture capital deals. The Flagship Fund will work in tandem with the ecosystem token ($ASX), via both growth and yield distribution mechanics.\nFollowing the successful launch of ASX and distribution of $ASX to community members, the team will seek to establish new single asset funds via on chain raises. All subsequent funds will benefit the growth of the ASX ecosystem and $ASX token.", "domain": "economics"}
+{"url": "http://www.residenceventures.com/", "date": "2024-04-17T21:34:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817181.55/warc/CC-MAIN-20240417204934-20240417234934-00434.warc.gz", "language_score": 0.9024093151092529, "token_count": 118, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__14453908", "lang": "en", "text": "We are at the beginning of a technological revolution\nWe create, we take risks, we live our passion\nWe launched Residence to fund innovative early stage companies in expanding markets. We believe in the power of people and put founders at the forefront. Our goal is to help startups get initial traction, build relationships and scale. Our research is focused around consumer patterns, habits and behaviors using technology as a common denominator.\nAreas of Interest:\nFinTech, eCommerce, Healthcare, Artificial Intelligence, Virtual & Augmented Reality, Real Estate.", "domain": "economics"}
+{"url": "http://www.dalmacijavino.hr/en/about-us/", "date": "2023-02-01T19:10:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499949.24/warc/CC-MAIN-20230201180036-20230201210036-00014.warc.gz", "language_score": 0.9603238105773926, "token_count": 2440, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__53785145", "lang": "en", "text": "Dalmacijavino is a company with more than 70 years of tradition in the production of top-quality wines, spirits and soft drinks. Our long history and strong connection with Dalmatia is rooted in our recognizable products, which for generations of our customers have had an almost cult-like status.\nOur products combine exceptional quality and the best ingredients of Dalmatian origin, providing an authentic local experience of the Dalmatian philosophy of enjoying life.\nMission and Vision\nOur vision is to become the leading manufacturer of quality wines with strong presence on the Croatian and foreign markets. At the same time, our goal is to become recognizable for our heritage and the Dalmatian philosophy of life so as to become the first choice for our customers.\nWe want to become a locally relevant and contemporary manufacturer of wines. We will build our success on our experience and tradition, as well as innovations in the development of quality products. We will be a responsible partner to all participants in our chain of value. We will provide our buyers and consumers with products that combine the quality and best ingredients of Dalmatian origin, we will ensure our employees a stimulating working environment, our suppliers and business partners sustainable business models, and added value for our local community.\nContinuing a decades-long tradition, our top-quality Dalmatian drinks allow our customers to feel and experience the Dalmatian way of life and to learn to take joy in living in the moment. Constant investments in the development of our business create new value for all our stakeholders and the community we operate in.\nFocused on the satisfaction of our buyers and consumers, we constantly work on raising the quality and appeal of our products and introducing innovative products on the market. The extent of our product range allows us to be present in life of all generations, combining a contemporary approach, a positive nostalgic sentiment and a unique Dalmatian philosophy of life. We are committed to conducting ourselves responsibly on the market, investing in innovations and developing relations that will benefit our buyers, consumers, employees, business partners and the community.\nDalmacijavino products are present and compete on several foreign markets, achieving exceptional results on the markets of Slovenia and Montenegro. In Slovenia, we are present with various spirits, our biggest export being our Travarica herb brandy, which holds a market share of over 90 % in its category. In the wine category, our wine Pelješac has the largest sales share on the Slovenian market. In addition to a line of spirits, our exports on the market of Montenegro also include wines, of which Šjor Bepo is one of the best-selling table wines. Some of our products present on the market of Bosnia and Herzegovina include Pelinkovac, Vodka and Gin, the top-quality wine Merlot, our vinegar Kvasina and our soft drink Pipi, which holds a market share of over 90 %. In addition to regional markets, our export markets include other foreign markets such as Austria and Germany. The Austrian market is particularly interesting to us, where, for the very first time, we are present with the soft drink Pipi in the HoReCa sales channel. By the end of the year, we expect to place Dalmacijavino products on the markets of the USA and Canada.\nFor information on product prices, please feel free to contact us via email firstname.lastname@example.org.\nIf you want to become a part of our team, contact us at email@example.com\n1946 The legal predecessor of Dalmacijavino, was established, the company Vinalko, as a part of the plant to revitalize the wine industry in Croatia.\n1948 The wholesale business Vinalko, seated in Split, branched off from the parent company Vinalko.\n1951 Another wine company, Dalmatinac, with a large number of its own taprooms, was established.\n1952 The National Council of the City of Split took over the Split Vinalko. The Company had branch offices in Šibenik and Dubrovnik, as well as wine cellars in Split, Kaštel Stari, Šibenik and Bol.\n1958 The National Council of the Municipality of Split established the company Vinarski podrumi.\n1960 Vinarski podrumi changed its name into Dalmacijavino.\n1961 The companies Dalmatinac and Vinalko merged with Dalmacijavino.\n1963 The new unified company Dalmacijavino began its operations, as an enterprise for the production, processing, finishing treatment and transport of agricultural food products.\n1967 The companies Vrgorka and Drniš Winery, a business unit from the agro-industrial plant Petrovo Polje, merged with Dalmacijavino.\n1968 The enterprise experienced a significant economic growth.\n1975 A new bottling plant for soft drinks, and a vinegar factory in Drniš were constructed. In the same year, the spirit factory in the northern Split port was expanded, and new vineyards were planted in Dalmatia.\n1990 Dalmacijavino began to experince a significant decline in production and sales due to the collapse of the SFRY and growing competition.\n2001 The enterprise became a joint-stock company under the name Dalmacijavino d.d.\n2012 Bankruptcy administrator were initiated for the company, and a liquidator was appointed.\n2016 The company Dalmacijavino was privatized by a new owner.\n2017 A new visual identity and the new slogan “Take it Easy” were presented to the public.\nFrom our Archive\nDalmacijavino boasts with decades of successful business operations. During this period, the company has gone through expansions and constructions, introductions of new technologies, creations of new brands, appearances at trade fairs… We’ve peeped into our archives and discovered photos that show us these interesting times and decided to share some of them with you. Explore our gallery and take a look at what it used to be like.\nCultural Activities within the Company\nDalmacijavino had its own monthly newsletter Dalvin, established in 1972.\nIn it employees could read all about important events within the company and various other contents. The editor of the newsletter was Mr. Želimir Bašić.\nIt is always easier to work to a nice tune, and Dalmatia was never short on good singers, so it was only logical that the company founded its own traditional Dalmatian a cappella group (klapa), called Dalmacijavino, in 1970, whose members were employees of the company.\nTrade Fair Appearances\nSpecialized trade fairs are indispensable for the promotion of a company’s products. Dalmacijavino appeared on many such fairs throughout the years. Here are a few photos of some of them.\nThe entire product range of Dalmacijavino was presented for the very first time at the 12th International Wine Fair, held in Ljubljana in 1966.\nIn 1972, Sarajevo hosted a large-scale wine fair in Skenderija, at which Dalmacijavino had the biggest exhibition area with its complete range of products.\nThe wine fair in Ljubljana is one of the most respectable events of this type, which is why Dalmacijavino has regularly presented its products there. This photo is from 1978.\nRelations with Slovenian partners were excellent – since 1968, products of Dalmacijavino were stocked by Prehrana, the largest sales centre in Slovenia at the time.\nDalmacijavino has always been ready to help with the organization of cultural and sports events. Here are a few examples.\nIn 1971, Dalmacijavino was the main sponsor of the Sinj Alka, a traditional event that spread the word about Croatia and Dalmatia world-wide.\nDalmacijavino was also the main sponsor of the soccer championship held in 1979 on the legendary Hajduk stadium, Stari plac.\nThe company was also one of the sponsors of the 1971 motor sports championship of Yugoslavia.\nDalmacijavino products have always reached their consumers by land or sea, it was only the means of transport that were changing throughout the years.\nThe image from 1968 of wine transported by railway appears impressive even today.\nShips owned by Dalmacijavino collected grapes from islands, bringing them to Split for processing. This is a true example of the cooperation characteristic of these times.\nThis photo was taken in 1980.\nVespas as a means of transport for couriers in the 1980s provided an excellent way of meandering the city centre streets.\nThe transport of goods is inconceivable without trucks; these are some of the Dalmacijavino trucks.\nDalmacijavino owned facilities not only in Split, but also in some other Dalmatian cities and towns. These are some of the buildings.\nSeldom is the design of consumer goods as significant as when it comes to packagings for wine, spirits and soft drinks. We have always paid particular attention to the appearance of our packaging, so that it would suit the spirit of our brand, as you can see from this brief overview of some of our most popular wines and spirits.\nBogdanuša and Faros 1974.\nŠjor Bepo and Barba 1968.\nVarious wines 1971.\nVarious wines 1978.\nAmaro Isolabella 18 is a prominent Italian brand of amaro that won numerous prestigious awards and gold medals for quality in the world and former Yugoslavia, and Dalmacijavino has been manufacturing it since 1966.\nVarious beverages 1980.\nVecchia Romagna Brandy 1980.\nVecchia Romagna was developed during the Mediterranean Games.\nTequila Mexicana was the first tequila manufactured in Yugoslavia and is yet another indicator that Dalmacijavino has been at the forefront of creating new trends.\nCooperation with Coca-Cola\nWe’ve always had a keen sense for recognizing the quality and potential of global brands. One of the many successful collaborations over the years was our production of Coca-Cola, the world’s most popular soft drink, which has been bottled in our facilities since 1980. Ours was the only bottling plant in this part of Europe that could boast of this achievement.\nWines and spirits may be what we are most famous for, but one soft drink has made the name of Dalmacijavino known throughout the entire former Yugoslavia and beyond – the carbonated orange soft drink Pipi, known by many generations as the soft drink of their childhood. The TV commercial for the drink from the 1980s has become an iconic moment of Croatian advertising history. Here are a few photos from the history of this popular refreshing drink.\nIn 1971, the first Pipi label appeared.\nThis is the appearance of the very first Pipi girl.\nThe modern Pipi bottling plant in the Northern Port during the 1980s.\nVeljko Rogošić, swimming marathon world record holder, was the first face of Pipi and took part in many marketing activities carried out by the company at the time.", "domain": "economics"}
+{"url": "http://libertydisplaygroup.com/about-us/history/", "date": "2019-08-25T08:46:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027323221.23/warc/CC-MAIN-20190825062944-20190825084944-00531.warc.gz", "language_score": 0.9643533229827881, "token_count": 164, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__108467021", "lang": "en", "text": "In 1987, with one desk and one telephone, founders Bob Cegla and Mike McDonald joined forces to start Liberty Display Group. After many long hours of hard work and perseverance, what started as a small shop soon grew, with the team hitting a half-million in sales in its first calendar year.\nIn 1990 we moved to our current 30,000 sq. ft. location and have continued to grow in this facility.\nOver the years as our reputation for quality products grew, LDG has become a vendor for some of the nation’s largest retailers and consumer product manufacturers.\nFollowing the unfortunate passing of Bob Cegla in 2017, Mike has carried on their vision of Liberty Display Group’s future by investing in new system processes, equipment and our most valuable asset, our employees.", "domain": "economics"}
+{"url": "http://taxdebthelpusa.org/", "date": "2015-05-25T19:20:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-22/segments/1432207928586.49/warc/CC-MAIN-20150521113208-00046-ip-10-180-206-219.ec2.internal.warc.gz", "language_score": 0.9666717052459717, "token_count": 144, "dump": "CC-MAIN-2015-22", "global_id": "webtext-fineweb__CC-MAIN-2015-22__0__176841929", "lang": "en", "text": "Tax Debt Options\nIf you are in the unhappy situation of simply not having the money to pay back federal income taxes that you owe, you have three courses of action:\n- You can get an installment agreement, in which you will pay the full tax liability, but over an agreed-upon period of time.\n- You can file for an offer in compromise, in which you pay less than the full amount you owe, based on a negotiated agreement with the IRS.\n- Your choice will depend on your financial situation, how much you owe, and how much time remains on the statute of limitations for your tax liability. Generally, the IRS has 10 years from the date of the assessment to collect the tax.", "domain": "economics"}
+{"url": "https://esssr.eu/becoming-a-member/", "date": "2023-06-02T08:43:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224648465.70/warc/CC-MAIN-20230602072202-20230602102202-00229.warc.gz", "language_score": 0.9541738629341125, "token_count": 335, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__109587945", "lang": "en", "text": "In line with the principles of sustainability, ESSSR operates as a virtual organization, i.e. it entails no new building or facilities, meaning it leads to no additional costs to members. However, it requires a committed person (a permanent member of staff) with the usual office facilities, so as to allow coordination within each institution. The use of these resources will be optimized and, by means of joint initiatives, it will strengthen the profile, performance and scientific outputs of the member universities in the field of sustainable development, making the modest investment they make, a worthy one. The income streams and expected revenues are as follows:\n- Revenues from research projects member universities will apply together\n- Revenues from PhD student fees (for those universities which charge them)\n- Revenues from courses and events member universities will jointly perform\nCombined, the 3 revenue streams ensure that ESSSR provides an added value to each member. Member universities are free to define their own finance and activity plans, based on their own resources.\nThe Consortium meets once a year virtually to look back on past achievements and learn about new and future acitivities of the network, and all members are welcome to attend these meetings. Regular news messages sent by the Hamburg team inform on opportunities, e.g. partner in European research project applications, getting engaged in joint publications or taking part in sustainability events.", "domain": "economics"}
+{"url": "https://palletsllc.com/", "date": "2024-04-24T17:55:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296819847.83/warc/CC-MAIN-20240424174709-20240424204709-00600.warc.gz", "language_score": 0.9471585154533386, "token_count": 280, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__44663799", "lang": "en", "text": "The wood pallet is the workhorse of the U.S. supply chain. Most products manufactured in the U.S. are transported on top of a pallet. Every year approximately two billion pallets are circulated in the United States. The Grocery Manufacturers Association (GMA) pallet accounts for more than 30 percent of this usage and represents more than 280 million new pallets annually.\nThe GMA pallet is 48 inches by 40 inches. It is wood intensive, expensive, and heavy. For the past 70 years, wood has been the preferred material choice of pallet suppliers. Even today, more than 90% of all the pallets in use are made of wood. Widespread availability and cheap production costs are the primary reasons. Raw material costs usually run above 50% for many pallet manufacturers.\nThe GMA pallet has changed very little over the past seven decades. Until now, that is. Compare Pallets LLC’s GreenBlock Pallet to the standard GMA pallet and the benefits are clear and significant. GreenBlock will reduce the amount of wood used in a standard GMA pallet by over 25%. GreenBlock will reduce the weight of a that standard GMA pallet by over 25%. And GreenBlock Pallets will enable pallet manufacturers to nearly double the number of pallets shipped per truckload, reducing fuel costs.", "domain": "economics"}
+{"url": "https://www.cadenceparkptsa.org/story/360197", "date": "2023-09-26T16:10:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510214.81/warc/CC-MAIN-20230926143354-20230926173354-00819.warc.gz", "language_score": 0.9511566162109375, "token_count": 140, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__175851237", "lang": "en", "text": "Middle School Quad (behind the Gym)\nPuma Marketplace will feature 40+ Puma entrepreneurs selling baked goods, drinks, crafts, jewelry, and services! Over the last 2 months, they have attended 4 classes to learn about creating a business plan, marketing, branding, and pricing. They heard from local entrepreneurs and learned what it takes to start a successful business. They have spent countless hours at home to create and finalize their precious products. They are ready for you!\nPlease come support your Puma entrepreneurs by purchasing their products and services!\nOur young and generous entrepreneurs have decided to donate 10% of all proceeds to local charities with 100% PTSA match.", "domain": "economics"}
+{"url": "https://youngfireknight.com/net-worth-update-june-2018/", "date": "2023-12-01T12:37:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100287.49/warc/CC-MAIN-20231201120231-20231201150231-00163.warc.gz", "language_score": 0.9648479223251343, "token_count": 2810, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__54396886", "lang": "en", "text": "Welcome to another monthly Net Worth update! This time its Net Worth June 2018 edition:\nFor those that are new, I will be posting these on a monthly basis to show my progress towards Financial Independence. The purpose of these is not to brag, or show off what I have, merely to show that little by little, even over the course of just 28-31 days, much progress can be made.\nIn addition, by tracking and posting this on the blog where everyone can see, I’m hoping this helps to hold me accountable to my goals. Where slip ups and unchecked spending can easily be passed off by keeping it to myself, with other people watching it should help to keep me in line! (Nothing like trying to avoid public humiliation to keep you motivated!)\nIf you haven’t already, check out last month’s report from May.\nI feel like I say this every month, but didn’t June go by too fast?? It’s crazy how the first half of the year has flown by.. time needs to slow down!\nThis month I was super active during my free time on the weekends. One of the hobbies I’ve picked up over the years is being more outdoorsy and going hiking. I’m a sucker for an incredible view!\nLuckily, this month had plenty of those.\nHarper’s Ferry National Park was first (where John Brown made his infamous raid for my fellow history nerds):\nNext up was Catoctin Mountain Park up in Maryland! (This view is at Chimney Rock for those in the area).\nLastly, I made my first trip of the year up to Shenendoah National Park. This place is absolutely gorgeous and I’ll be spending a lot of time out here over the next few months while it’s nice out:\nIf you want to keep up with my adventures, follow me on Instagram!\nThe one weekend I didn’t hike I made the drive up to see my parents. It’s a long drive, but I usually make it every quarter to go see them. Luckily my work is flexible so I can work that Friday from my parents house, so I get to see them for an extra day as well.\nFamily is extremely important to me so making these trips is something that will always be in my budget.\nNow for the real reason you’re here!\nJune breaks down as follows:\nAfter coming so close last month I finally made it to six figures!! The anticipation was killing me, but the market and my savings rate held up enough to allow me to get there!\nCash: $13,468 – $922\nThe cash was helped out mostly by my savings rate but also because my boss allowed me to charge a little extra for OT hours I was putting in. I’ve really been doing this the past few months, so it’s nice I was able to actually get paid now for some of those hours!\nWith my Roth IRA already maxed out for the year, I’m now turning all excess cash into a rental property fund. I’ve been reading up on many blogs and listening to podcasts on how it all works, and I’m ready to get more serious about it. With any luck I could potentially own a property by the end of the year!\n401K: $59,761 – $1,456\nContributions this month totaled $1,831 (Employer Matching included). The market was down for me here, but up in others as you’ll see below.\nI’m a little more diversified in this one, and (don’t quote me on this) but I think International stocks were down last month driving my negative returns.\nMy balance is 100% in stocks right now, split roughly 70/30 – Domestic/International.\nRoth IRA: $11,657 – $188\nI maxed out my Roth IRA back in March, so this will flow with the market for the rest of the year.\nThis account is all invested in a Vanguard mutual fund for Mid-Cap stocks.\nBrokerage: $13,377 – $413\nNo contributions here, so just normal ebbs and flows of my investments.\nI originally invested $12K into the account, $10K in the low fee VTI (Vanguard Total Stock Market ETF) and $2K in a high yield dividend paying stock.\nHSA: $2,198 – $221\nI opened my HSA account at the end of November last year after turning 26. This gain was straight from monthly contributions.\nUnfortunately, this is all held in a Cash position right now as I need a minimum of $2,500 to invest in a NTF (no transaction fee) mutual fund.\nAs I’m on track to max this out this year, I’ll hit this mark in August and will immediately invest it.\nAuto Value: $9,608 – ($290)\nI have my Auto Value pegged at $2,500 above what the remaining value on my Auto Loan is. The negative value is simply monthly depreciation. The reason for this? Simply put, that was the value of the down payment I placed on my car (2014 Ford Fusion).\nI verify through Kelly Blue Book each month so that if I desperately needed to, I could sell my car for around that value, which has always been the case. However, I plan on having this car for a long time so ideally the need to sell before the loan is paid off never actually comes up.\nIt’s sad to see my $100,000 car now worth less than 5 figures.. a hard lesson learned!\nCredit Cards: $(1,515) – ($460)\nI pay off my credit cards in full every month so this is just the monthly balance. By doing this I build credit and get free travel rewards and cash back while paying the credit card companies nothing in interest!\nThis number is what I pull from my credit card statements which ends on the 4th and 5th of every month. Now that I’ll be travel hacking more, I may just start pulling the balances at exactly month end since the newer cards aren’t guaranteed to have the same end statement date. I haven’t decided yet so I’ll report back.\nCredit Card expenditures were a little higher this month. See below for the full breakout of spending to see how I did against my budget.\nAuto Loan: $(7,108) – $290\nThe value on this increases as the amount of principle on the loan decreases with my monthly payment. Just chipping away at it at this point.\nI got the loan with a 1.9% Interest rate, so I’m keeping it for now, though as the balance gets lower, it’s going to be more tempting to pay this off and be done with it, even if the math may not make sense.\nA little overboard this month, but for good reasons mostly! I’m trying to hit the minimum spend on my new credit card so I’ve been trying to get some of the bigger payments out of the way.\nHere are the details:\nMonthly Rent $1,131:\nHave to love living in a HCOL (High Cost of Living) area right? This is for a 2 BR apartment in which we split the cost. We could have found a place a little bit cheaper, however it would have been much further away from where we wanted to be (leading to an even longer commute), and with much less perks than what we have now.\nMy rent is increasing next month (as I renewed my lease another year), so you’ll see an adjustment to my budget to account for that.\nUtilities $67 / Internet & Cable $70:\nDefinitely under budgeted for utilities, not a big deal though as I just cash flow the overage with my savings.\nInternet/Cable is pretty standard around $65 as I split the costs with my roommate every month. We bought one movie leading to the extra charge this month. Still cheaper than the theater!\nGroceries $175 / Restaurants $55:\nGrocery spending was a bit higher as I had to buy some non food items that aren’t regular (laundry stuff, trash bags, etc) that get grouped in the grocery line.\nRestaurant spending was under which meant I was doing a lot of cooking!\nCar Payment $302:\nMonthly car payment to pay off my loan. Only 2 years left now! It’s doubtful I let it last that long, but we’ll see.\nWith only a 1.9% Interest rate I believe I can beat that payment towards interest with returns through the market, which is the only reason I haven’t paid it off so far.\nAuto Insurance $329:\nThis month I paid my auto insurance bill in full for the next 6 months. Earlier this year it was $292 for 6 months when I switched to a new company.\nI was expecting an increase as many companies offer a super low rate to bring you in then promptly raise them afterwards.\nAt the end of this term I’ll be shopping around again to see if I can get a better deal if they raise it by that much again.\nAuto Fuel $189 / Auto Other $59:\nI have a lengthy commute to work – 60 miles round trip – leading to high fuel costs each month. The Other category includes any maintenance, repairs, taxes, etc that I budget for.\nMy fuel costs were inflated this month by the trip back home to see my parents.\nI also had to get my oil changed, tires rotated and air filter replaced on my car as well which was the “Other” cost.\nCell Phone $0:\nI’m still under my parents plan so this is my portion of the bill. I pay my parents directly up front for 6 months at a time. I’m currently paid through June at the moment.\nNo medical expenses this month and ideally the only remaining expense will be a small dental charge for an appointment later this year.\nYou can read about my unpreparedness and what led to the big YTD negative here.\nI’m proud to say that I only spent $20 at the bars this month! My lowest ever! I guess that’s what happens when the friend you always went to the bars with moves away.\nInstead, I spent $80 for a National Park pass that will last an entire year. As it costs $30 to get into Shenandoah National Park, this was a no brainer. As I write this I only need to visit one more national park/historical park to get my money’s worth!\nThe big expense was paying $275 for a ticket to Camp-FI Mid Atlantic next year! I was super bummed I could not attend this year, and the remaining Camp-FI’s this year were all sold out (still can make it to the Midwest one if anyone has an extra ticket though! 🙂 ).\nI’ll also be missing Fin Con later this year due to a wedding, so I’m really looking forward to this event and surrounding myself with like-minded people!\nI was debating creating a “blog” category for this expense, but since I haven’t monetized my blog there’s no real use. An expense is an expense! If I do end up making some money perhaps I’ll re-categorize, but that’s for a different day.\nNo travel costs this month, though will need to reimburse my friend for my portion of the Airbnb we are staying at during my upcoming vacation in August.\nFather’s Day gift for my Dad. We went golfing with my two brothers when I was back home. Usually my dad will pay for all of us despite my best attempts to pay for my own.\nHowever, this time I just decided to pay for everyone as part of the gift. My little brother is a broke college kid and my older brother and his wife are fighting to get out of a ton of student loan debt so I figured the was the least I could do to cover them both as well.\n$50 for replenishing my metro card (usually refill by $20’s, but need to reach that min spend!) and $20 for monthly laundry.\nHere’s the overall picture:\n*Note – Take Home is my after tax pay (what shows up in my bank account). 401K is only my contributions. 401K Match is my company’s 3% match. HSA is both mine and employer contributions (my employer contributed $750 in January). Interest is from Bank Accounts only.\nAs discussed last time, I added in an Interest line as this technically is income! (Even though it’s peanuts). But it will be getting bigger now that I’ve moved most of my cash into higher interest online savings accounts.\nJune was expensive, but mostly due to a few one time costs. If I can get through the next couple months with a good savings rate I may just be able to reach my stretch goal of 55%! Stay tuned!\nIn the meantime – check out the Net Worth Updates page to see how I’ve done in past months.\nHow did your June turn out?", "domain": "economics"}
+{"url": "https://www.bioniq.co.za/nevada-isp-were-deploying-radwin-jet-beamforming-ptmp-like-crazy/", "date": "2019-07-21T11:03:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195526948.55/warc/CC-MAIN-20190721102738-20190721124738-00126.warc.gz", "language_score": 0.9415342211723328, "token_count": 531, "dump": "CC-MAIN-2019-30", "global_id": "webtext-fineweb__CC-MAIN-2019-30__0__201307534", "lang": "en", "text": "RADWIN, the global wireless broadband provider, today announced that ‘High Desert Internet Services’ – Northern Nevada’s High Speed Wireless Internet Service Provider – is massively deploying RADWIN’s JET Beamforming base stations in its network along with hundreds of PRO and AIR subscriber units to serve both residential customers and businesses such as warehousing and manufacturing plants. ISP ‘High Desert’ is in the process of migrating its customer base from WiMAX and under-performing legacy wireless equipment to RADWIN’s solutions.\nDoug Dawson, President of ‘High Desert Internet Services’ explained why he chose RADWIN JET Beamforming PtMP: “We reached a point with our WiMAX network where we simply couldn’t meet the demand for bandwidth from customers. We tested the JET product for close to 6 months because some of our mountaintop towers get 120-150 mph winds and we wanted to make sure RADWIN’s equipment would stay on towers, plus we have long-distance connections of 8 to 10 miles and we wanted to see the capacity we could achieve.”\nConcluded Dawson: “Before we used RADWIN we had cheaper radios in our network and it was constant truck rolls which hurt our bottom line and hindered network rollout. With RADWIN’s Beamforming wireless equipment you get what you pay for. JET is a high quality product and there are zero truck rolls. Our key objectives are reliability and performance and with JET we’re delivering 25-30 Mbps to residential customers and 100 Mbps services to commercial enterprises and can compete with cable companies in the area. Most importantly, subscribers on our RADWIN network are extremely happy and we reduced turnover substantially. Word of mouth is our biggest sales force and each month we’re getting more and more customers referred to us. We’re deploying JET like crazy and adding new customers every day.”\nDennis Stipati, RADWIN GM NA: “This latest project with ISP ‘High Desert Internet Services’ proves that service providers whose mission is to deliver high-capacity service to their customers select RADWIN JET. When you buy carrier-grade equipment there are far fewer truck rolls and you’re positioned well to compete with local cable companies and other ISPs. In addition, churn is eliminated and valued customers recommend you to their neighbors and friends. We’re proud to be the leading choice of discerning ISPs.”\nRADWIN is a leading provider of PtMP and PtP broadband wireless solutions deployed in over 170 countries.", "domain": "economics"}
+{"url": "http://www.ascendo-international.com/projects-investors/", "date": "2018-04-20T04:35:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-17/segments/1524125937114.2/warc/CC-MAIN-20180420042340-20180420062340-00297.warc.gz", "language_score": 0.899732768535614, "token_count": 149, "dump": "CC-MAIN-2018-17", "global_id": "webtext-fineweb__CC-MAIN-2018-17__0__184283640", "lang": "en", "text": "'Pauline enjoys high-level business and governmental connections throughout the world, including the United States, China, Japan, Australia, Singapore and Vietnam.' - Todd Moster Esq (Attorney & Author)\nIn today’s challenging business environment, success will lie with business people with the innovative outlook, dedication and international connections to navigate the fiercely competitive and increasingly globally-integrated economy of the 21st Century. Pauline Truong exemplifies those qualities.- Todd Moster Esq (Attorney & Author)\n'An amazingly accomplished and generous individual, Pauline is an inspiration who is giving back to the community and helping to cultivate the next generation of attorneys, professionals, entrepreneurs, and women worldwide.' - MOGUL, 2015.", "domain": "economics"}
+{"url": "https://toughguard.com.au/choose-australian-made-fencing/", "date": "2024-04-12T14:27:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816024.45/warc/CC-MAIN-20240412132154-20240412162154-00146.warc.gz", "language_score": 0.9466599822044373, "token_count": 702, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__174543447", "lang": "en", "text": "When you’re looking to buy a fence, there are a few basic things people consider. What their price range is, what style they’re looking for, and what material they want; whether that’s wood, stainless steel or aluminium. Then they choose their fence. But it’s time to add another factor to the list, consider buying Australian-made. At ToughGuard20 we’re proud to be entirely Australian owned and operated. Based out of Geelong, we do our construction and powder coating locally on-site, making us an Australian-made company.\nWhy choose Australian-made?\nBuying locally can end up being the more expensive option, but it usually pays off. You’re choosing to support a local business and pouring money into your own community. You know the products will be designed and built specifically for Australia’s regulations and conditions. Plus, you can be sure your product will be on trend and blend with the local neighbourhood. You don’t want to buy a fence that would look better in Shanghai than Melbourne. Choosing Australian-made products just makes sense.\nSupport local business\nShopping local has its obvious advantages. Namely, you’re keeping your money in the community; you’re supporting local jobs and improving the local economy. But the advantages aren’t limited to where your money goes. Buying local, Australian-made products means you get the opportunity to meet the people behind the product; you’re getting first-hand information from the experts themselves. You’re getting more personalised and better service. When you’re buying from a smaller local business, people know their customers. They can help you wherever possible and ensure you’re getting the most out of their product, because it’s important to them that you do. You definitely can’t say the same about multi-national conglomerates.\nBuilt for Australian regulations\nThe team here at ToughGuard20 have a thorough knowledge and working understanding of Australian fencing regulations. Therefore, they’ll be able to help you when planning your fence to ensure you’re not making any serious mistakes. Almost all our tubular style of fencing is in accordance with Australian pool compliancy standards (AS1926.1).\nWe’re up with the trends\nWe’re Australian-made and locally based so we understand the neighbourhood and what types of fences people are installing. We’re not going to design a fence that would completely clash with the Australian residential area, nor are we going to sell you something that’s really trendy in America, but Australians wouldn’t buy. We understand where we are and we can ensure you’re getting the best fence for your property.\nThe other major benefit of being Australian-made is the warranty we can offer you. We have faith in our products and know they’ll stand up to Australian conditions. Consequently, every aluminium fence comes with a 10-year manufacture warranty, plus a 10-year powder coating warranty. Additionally, we have a premium range called ToughGuard20/20. This range is backed by a 20-year manufacture warranty, plus a 20-year powder coating warranty. These types of benefits are why you should shop Australian-made and support local businesses. Talk to the team at ToughGuard20 today about your next aluminium fence.", "domain": "economics"}
+{"url": "http://www.easternfieldswind.com/community-benefits", "date": "2019-09-18T19:45:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514573331.86/warc/CC-MAIN-20190918193432-20190918215432-00303.warc.gz", "language_score": 0.9539155960083008, "token_count": 579, "dump": "CC-MAIN-2019-39", "global_id": "webtext-fineweb__CC-MAIN-2019-39__0__170861324", "lang": "en", "text": "Local Electricity Discount (LED)\nWe have increased the funding of the Local Electricity Discount (LED) program by 20%, up to $60,000 annually. Through this program, residents living within 1.5 km of a turbine can apply to receive an annual abatement towards their electricity costs. In order to ensure an increased benefit goes to those closest to turbines, we have proposed a plan whereby residents within 800 m of a turbine are eligible for a double-credit. You can view the proposed eligibility zones on this map. The LED program would represent a contribution of $1.2M to local residents over the next 20 years.\nCommunity Benefits Fund\nIn addition to the LED program, we propose to set aside another $30k annually into a ‘Community Benefits Fund’ earmarked for local initiatives. This will total approximately $600k of funding over 20 years and will all be directly invested within the community. The fund would be managed by a committee and would be conditional to some representation by the community of St-Bernardin. This funding, like the LED, would be outside and above the payment of project taxes to the municipality. A condition of the fund would be that the money be spent in the St-Bernardin community.\nSupport of Special Projects\nWe are intent on supporting local ‘special projects’ within the community in the near term, prior to the project becoming operational. Currently, we have an open offer to help fund renovations at the community centre and to support fundraising efforts for local recreational upgrades in the area. Details of these initiatives are still being reviewed and will become clearer in the coming year. Look for more announcements by mail or at our future open houses.\nHave an idea for a special project? Please contact us here.\nThe project will be assessed by the Municipal Property Assessment Corporation (MPAC) and will pay substantial taxes to the Nation and Champlain Municipalities, without any hidden costs for the project. The exact amount will be determined by assessment from MPAC, but it is estimated to be around $130,000 to $140,000 annually, representing up to $2.8M of tax revenue split proportionally among the municipalities over the 20 year life of the project.\nRES is looking at offering a scholarship of $2,000 per year to a student from the region wishing to study in a field related to renewable energy or sustainability. This scholarship would be managed by a local committee with representation from the community, the municipality and the project.\nThe project will require both short and long term employment. Short term jobs include pre-construction field work as well as construction labour, materials and equipment. Long term jobs include site maintenance, project technicians and site management. Furthermore, there will likely be an associated increase in local support business as employees and tourists coming to see the project will spend locally.", "domain": "economics"}
+{"url": "http://www.sherlockdesigner.com/2019/05/19/small-guide-on-paydayl-loans/", "date": "2019-09-22T06:47:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514575168.82/warc/CC-MAIN-20190922053242-20190922075242-00350.warc.gz", "language_score": 0.9778333902359009, "token_count": 1187, "dump": "CC-MAIN-2019-39", "global_id": "webtext-fineweb__CC-MAIN-2019-39__0__4301119", "lang": "en", "text": "payday loans with Financial Credit Institutions are an alternative financing for those who have been included in this registry, either fairly or by a discrepancy in the payment of an invoice or receipt. In the article we explain how this mechanism works and its advantages.\nWhat are payday loans with Financial Credit Institutions?\nThe payday loan with Financial Credit Institutions works exactly like a conventional loan, but the difference is that it is granted even if the person requesting it is registered in a file of defaulters.\nWhy does that happen? Actually, it does not have too much mystery. The main thing for the lender is to check that the person requesting the money can return it. And, although it seems the opposite to the naked eye, the truth is that being included in a file of defaulters does not imply that there is that problem, for several reasons:\n1. A person who has had a default can be registered in the Financial Credit Institutions file for 6 years. It is not necessary to remember how much things can change in that period of time, so you have to take it into account. Maybe in a moment you stopped paying a receipt that you do not remember, but the debtor does; That means you’ll have to pay to be discharged.\n2. Secondly, there are companies that use the registry in this file as a measure of pressure for the user to communicate with mill wheels. For example, if there is a discrepancy in the payment of the receipt, even if you can claim, input will be included. Since the lawsuit can take months or even years, there are many people who decide to pay and keep quiet. If this is not your case, perhaps you are included in Financial Credit Institutions without having to.\nFor all these reasons, the inclusion in a file of defaulters does not provide enough information when assessing the real risk of accepting an operation. In this way, many people who could not today can access the financing. We explain better how the process works in case you are interested.\nThe hiring of payday loans with Financial Credit Institutions\nThe process of hiring a payday loan with Financial Credit Institutions is similar to that of the rest of the financial products, although the truth is that it is a target in which fintech companies have specialized. In general, you will be asked to be of legal age and under 65 years of age, have legal residence in Spain, a bank account and a mobile phone. The lender will be in charge of carrying out the inquiries and, as a general rule, in a short period of time they will give you a definitive answer.\nOn the other hand, it should be noted that there are several advantages and disadvantages that you should know to make a conscious decision.\nThe first obvious advantage is that you will have the money even if you have some personal debt because, as we have said before, the main element is that you prove that you can repay the loan. In this way, people who once considered themselves unfit for a loan now become it; in the old days, it was unfair that many people did not give them loans when they were really solvent.\nOn the other hand, today the policy of granting payday loans has changed and, within limits, you will have several possibilities for repayment. Thus, you will have a certain ability to adapt when dealing with payments and you will be more relieved. It is not just the terms, but the amounts and the possibilities of fractioning the payment, which differ (and a lot) depending on the entity.\nIn addition, the concession processes are very fast. As Fintech companies have specialized in this market niche, the usual thing is that you can consult through your computer or a phone call and that in a few minutes you have a definitive answer. If you can not waste your time, this is one of the most interesting options that exist.\nAnother element that you have to consider is that this type of operation is granted for small expenses, normally no more than 1000 euros. Therefore, you will not have to acquire big commitments if what it is about is to pay for an appliance or a repair of your car and, in a few months, you will have settled the debt. Goodbye to having to carry years and years with the cross of a high amount.\nThe first drawback of this operation is that, by its very nature, the interest you are going to pay will be higher than if you were not included in any of these “blacklists”. This happens because the lender will assess the potential risks and, in most cases, these are greater. We are not going to cheat; Until a few years ago, giving a payday loan to someone on a defaulter list was the exception.\nAnother aspect to consider is that the margin of default in payments is minimal because the consequences are dire. This is usually the last resort, so you should only ask for it if you are sure that you will be able to pay because, if not, you can be sure that they will not give you loans anywhere else.\nFinally, you must know that the amounts that will be granted will be less than in a conventional payday loan, so it is a possibility that will not compensate you in many cases. If you have to make an expense of a certain entity, it is preferable that you explore other options.\nThe payday loans with Financial Credit Institutions are an alternative for those people who have to face a payment with haste and need an alternative source of financing. Now, as the amounts that are granted are lower and the interest to pay higher, we recommend that you only use this resource when you have no choice. In Astro Finance we have a comparator that will let you know which is the offer that interests you the most and, on the other hand, we take care of analyzing carefully the different available offers.", "domain": "economics"}
+{"url": "https://www.whatwillshedo.com/donate", "date": "2023-03-20T18:29:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943555.25/warc/CC-MAIN-20230320175948-20230320205948-00141.warc.gz", "language_score": 0.91420578956604, "token_count": 156, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__102415776", "lang": "en", "text": "top of page\nOur small, independent podcast...\n(operated by two working artists!)\n...runs entirely on donations from generous listeners\n100% of the funds we receive go directly back into the podcast, covering costs such as:\nperformer stipends, website costs and hosting fees.\nTo become a sustaining monthly sponsor,\ncheck out the information below.\nFor as much as little as $3.00 a month, your contribution allows us to:\nEmploy Broadway, Film, TV & Professional Actors.\nMaintain our website and server hosting fees.\nFund research materials, such as books and documentaries.\nbottom of page", "domain": "economics"}
+{"url": "https://www.huerfeli.com/products/start-up-business-bundle", "date": "2023-02-03T12:26:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500056.55/warc/CC-MAIN-20230203122526-20230203152526-00148.warc.gz", "language_score": 0.9043533802032471, "token_count": 327, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__23366809", "lang": "en", "text": "BE PART OF OUR GROWING COMMUNITY!\nWe are continuously expanding our business operations and we are looking for people who are interested to earn extra income and start their own online business with low start up capital and hassle free!\n- Low start up capital\n- Dropshipping system\n- Premium quality products\n- Up to 30% sales commission\n- Earn override bonus\n- No need for inventory/stocks\n- No need to personally process orders\n- No monthly quota\n- No monthly fees\n- Free online recorded & live training\n- Free online marketing materials\n- Exclusive access to business portal\n- Tester kit (20 scents)\n- 10x GlutaCollagen Soap (130g)\n- 5 bottles of assorted Eau de Parfum for men or women\nTotal Product Value: Php3,260\nHow does dropshipping work?\n- Each eCommerce associate will have their own business account and unique shop link\n- Your unique shop link can be used by your customers to purchase their orders\n- Once a customer places an order using your shop link, it will automatically reflect on your business portal and on the back office of our company, JME Enterprises Inc.\n- Once verified, our company will fulfill the orders from our warehouse and coordinate it with our logistics partner\n- Our logistics partner will pick up the orders from our warehouse and have it delivered to the customer within 2-4 business days\n- Once the order has been successful and paid, your commission will reflect on your business portal and will be available for payout request", "domain": "economics"}
+{"url": "http://lentilunderground.com/david-oien-wins-outstanding-agricultural-leader-award/", "date": "2018-12-14T19:14:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376826306.47/warc/CC-MAIN-20181214184754-20181214210754-00592.warc.gz", "language_score": 0.9520844221115112, "token_count": 1312, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__6981725", "lang": "en", "text": "BOZEMAN – A third-generation Montana farmer with a philosophy degree who spent 30 years shepherding Montana agriculture into the forefront of organic and alternative crop production has been named the MSU College of Agriculture and Montana Agricultural Experiment Station’s 2017 Outstanding Agricultural Leader.\nThe public is invited to congratulate David Oien, co-founder of Timeless Seeds Inc., at a Montana-made breakfast at 10 a.m. Saturday, Nov. 4, in Shroyer Gym, located in MSU’s Marga Hosaeus Fitness Center. The breakfast is part of the college’s annual Celebrate Agriculture event scheduled for Nov. 3-4.\nMSU Vice President of Agriculture Charles Boyer said Oien’s history as a respected advocate for diversifying Montana dryland production and as a lifelong proponent of sustainable, organic systems is an example for current agricultural students.\n“Long before pulse crops were popular in Montana, before organic and natural foods were trendy, before ‘sustainable’ and ‘renewable’ were terms farmers regularly used, David Oien was quietly changing the landscape of Montana agriculture as one of the state’s first organic farmers,” Boyer said. “His grassroots story and life’s work in encouraging alternative, sustainable food production and a new crop frontier is something Montana agriculture owes a great debt to.”\nThe Outstanding Agricultural Leader award is given annually to individuals or couples who are engaged and well-respected in the state’s agricultural community. Recipients have impacted many with their accomplishments, have a lifetime of achievement in agriculture, are industry leaders or innovative producers, and are actively involved in Montana’s agricultural community.\nRobert Boettcher, a Montana farmer and former Outstanding Agricultural Leader in 2003 who is a longtime friend of Oien’s, nominated Oien for the award. Supporting letters detail Oien’s years of public service and agricultural innovation. Letters were received from Alternative Energy Resources Organization, Montana Farmers Union, Montana Department of Agriculture, Montana Milling, Stanford University, U.S. Sen. Jon Tester, and several current and retired MSU faculty representing agronomy, soil, land resources and health and human development fields. The letters also describe Oien’s early adoption of organic practices and his gentle, steadfast commitment to bring increased research, attention and support to alternative cropping systems and new crops to farmers in the Northern Great Plains, according to authors.\nOien is a third-generation Montana farmer whose Norwegian grandparents homesteaded in the early 1900s south of Conrad. He was raised on the family wheat farm and received a degree in philosophy and religious studies in 1976 and later returned to the family farm to transform production to an organic-based system.\nNomination letters detail the history of Timeless Seeds Inc., which Oien co-founded in 1987, together with friends and fellow farmers Bud Barta, Jim Barngrover and Tom Hastings. The trio had a goal to market a self-reseeding leguminous cover crop variety called George Black Medic, which had been developed by the late MSU agronomy and research professor Jim Simms, whom Oien considered a trusted mentor and dear friend until his passing last year.\nIn the beginning, Timeless Seeds Inc. consisted of a few outbuildings on Oien’s property south of Conrad: a chicken house, equipment shed and a garage, according to Boettcher. The original mission of the company was to introduce new crops to conventional Montana farming and share the benefits of lentils that provided natural nitrogen and green manure, built organic matter and conserved soil moisture.\nIn the 1980s in Montana agriculture, growing organic, alternative crops was counterculture to that of widely practiced conventional agriculture in wheat-fallow systems that used synthetic fertilizer. Nomination letters lauded Oien’s persistence as a risk-taker and suggested Oien���s philosophy background formed his ability to engage in contentious discussions thoughtfully and critically, forming relationships with agriculture-minded people from all walks of life.\nAs natural foods and cropping systems became more popular, Oien was deeply engaged in conversations, policy and advocacy work advancing the diversification of Montana dryland agriculture by encouraging farmers to replace fallow fields with pulse crops and advocating the ecological and sustainable benefits of organic-based systems.\nOien’s role in introducing farmers in the Northern Great Plains to alternative crops and organic systems and developing markets for new crops over the last 25 years was chronicled in the acclaimed book, “Lentil Underground,” by Liz Carlisle, a Montana native and Stanford University lecturer who won the 2015 Montana Book Award. Today, Timeless Seeds has transformed into Timeless Foods Inc., which supplies national grocery chains, food manufactures and food service distributors with high-quality, organic, specialized grains and is one of the largest organic lentil seed buyers and suppliers in America, according to its website. In 2016, the United Nations declared the year as the “International Year of the Pulse Crop,” and Montana celebrated its role as the country’s top producer of pulse crops with 1 million acres planted, according to the United States Department of Agriculture.\nThroughout the years, Oien has been active on many boards and committees promoting organic agriculture and pulse crops, including charter memberships with Pondera Solar Alliance, Alternative Energy Resources Organization Ag Task Force, local organic farmer chapters, Montana Organic Certification Advisory Committee, the Montana Organic Association as well as the Montana Manufacturing Extension Center In 2008, he received a lifetime of service award from the Montana Organic Association, and AREO’s 40th Anniversary Leadership in Sustainability.\nHe has helped and mentored many Montana farmers as they transition crop management into organic systems and systems that use less energy and are ecologically regenerative and economically sound. He also worked closely with MSU faculty on a variety of research projects, mentored students and supported learning practicums for MSU students in the Sustainable Foods and Bioenergy Systems major.\nOien is married to Sharon and the two have three grown children; Sara, Adam and Chris.\nThe selection committee for the Outstanding Agricultural Leader award comprises three Montana agriculture representatives, a College of Agriculture faculty member and an MSU student. MSU’s College of Agriculture has presented Outstanding Agricultural Leader awards since 1999.", "domain": "economics"}
+{"url": "https://www.johnnapoli.net/about-us/", "date": "2023-06-06T12:35:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224652569.73/warc/CC-MAIN-20230606114156-20230606144156-00466.warc.gz", "language_score": 0.8803480267524719, "token_count": 238, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__101073453", "lang": "en", "text": "John Napoli and Associates, Inc., established since 1950, is Puerto Rico’s premiere food service equipment and supplies dealership, catering to the hospitality and restaurant industry in Puerto Rico and the Northeast Caribbean.\nJNA, Inc. has built a reputation based on the commitment to offer the highest quality products at the most competitive prices in the marketplace. Our most recent project portfolio speaks for itself, with major hotels and resorts throughout Puerto Rico, convention center banquet facilities, regional hospitals, major casual dining and quick service chain restaurants, pharmaceutical in-plant feeding facilities and Puerto Rico’s finest restaurants.\nWe believe in building mutually beneficial and enduring relationships with all of our clients, based on conducting business activities with integrity and respect.\nWe value and appreciate your business. Thank you for allowing us the opportunity to serve you.\n264 Ave de la Constitucion, Puerta de TierraSan Juan, Puerto Rico 00901.\nTeléfono: (787) 724-2929\nFax: (787) 725-2245\nHorario: Lunes – Viernes 8am – 5pm, Sabado 9am-1pm.", "domain": "economics"}
+{"url": "http://www.homebasedbusinessideas.co.uk/", "date": "2014-04-19T22:06:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-15/segments/1397609537754.12/warc/CC-MAIN-20140416005217-00261-ip-10-147-4-33.ec2.internal.warc.gz", "language_score": 0.9870007038116455, "token_count": 397, "dump": "CC-MAIN-2014-15", "global_id": "webtext-fineweb__CC-MAIN-2014-15__0__120539505", "lang": "en", "text": "Having your own home based business opens up many money making opportunities for you. Home based businesses can provide a full time income and they can be used to supplement income from a part time or full time job. The great thing about a home based business is that you can make money from it when you have other commitments such as child care. To a great extent you can choose your own hours and you can choose where and how you work.\nOnce you have decided that you want to work from home you need an idea that is going to provide the lifestyle you want. For some people that have a skill set that makes working from home easy. They have skills that they have learned already and they are ready to make money from them. A typical example is the bookkeeper or web designer who strikes out on their own after working for someone else. There are may hundreds of similar examples.\nFor others the decision about home working is more complex. There may be no obvious skill they can sell. However, that does not mean that a perfectly viable business cannot be developed. There are many home based business ideas that that can be made to work by people who are motivated. It is also important to remember that your home based business does not need to be a unique or unusual idea. Look how many people have businesses in the same niche in your home town. Few markets are completely saturated. I think it is fair to say that for anyone who is willing to work hard and provide excellent customer service they will always be able to make good living.\nSo in conclusion, if you are looking for ideas for your own home based business its important that you consider what skills you have and how you can make money from them. Once you start thinking about running your own business you may become overwhelmed by the amount of home based business ideas that you have. Its important to filter out those that are unsuitable, perhaps because of the costs involved, the problems with running it from home or other practical issues.", "domain": "economics"}
+{"url": "https://www.420greenthumb.com/how-much-electricity-do-grow-lights-use/", "date": "2023-03-20T16:59:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943484.34/warc/CC-MAIN-20230320144934-20230320174934-00415.warc.gz", "language_score": 0.948799729347229, "token_count": 2078, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__251726038", "lang": "en", "text": "You must have heard about how low-cost LED grow lights are and how easy it is to set up and maintain. However, if you have a larger grow room, you'll have a hefty monthly power bill. Many individuals use LED lights for domestic use to grow plants, especially seedlings.\nThe majority of grow lights are designed to be energy-efficient. Therefore, they will have a little impact on your electricity consumption. We'll also look at reducing electricity costs when you run led grow lights. How much electricity do grow lights use? To find out how much it costs to operate LED grow lights, here is the place to go!\nHow Much Electricity Do Grow Lights Use - How Much Does a Grow Light Add to Electric Bill?\nYou know that light is plant nourishment when you're a plant lover, and plants can't thrive without it. Your plants will be healthier if you can supply them with as much light as possible. Grow lights increase the amount of light your plants receive, allowing them to grow more quickly, create larger leaves, and produce more carbohydrates for growth.\nConsider the following facts to get an idea of how much money you might anticipate spending on grow lights each month:\nPower consumption rises in direct proportion to wattage. It costs you $1.725USD a month to run a 30-watt grow light nonstop for 12 hours. A 50W grow light on the same hours per month will cost you $2.875.\nAll grow lights draw power. Watts measures their electricity usage (W). Be careful while selecting grow lights because many are too weak. Try to choose a grow light that will adequately light your plants without spiking your electricity bill.\nThe farther the grow light is from the plants, the less LED light will reach them. Strong, high-quality grow lights placed closer to the plant will boost. If the plant requires strong or medium light, this will also be a factor.\nLocal Energy Cost\nThe last factor in determining the cost of your grow light electricity is how much you pay for power in your house or company. The cost will vary based on where you live and the electricity provider you're working with.\nFor instance, it costs you 0.16$ per kilowatt-hour to run your home's electrical system (kWh). It indicates that you are paying $0.16 per kilowatt-hour for every hour you consume electricity. Using 1,000 Watts equates to 1KW. Thus you'll pay 0.16$ per hour for every 1,000 W you use.\nUse the following calculation to calculate the monthly cost of operating your grow lights: Total Kilowatts (KW) x Kilowatts Per Hour x Hours Per Day (days). You must divide the wattage by a factor of 1,000. (1,000 KW in 1 W).\nIf you were to use the kWh rate previously given to power a 1000 W grow light for 12 hours each day, the formula would be: 1 x $0.16 multiplied by 12 by 30 is $57.6 each month.\nUsing a Grow Light Electricity Calculator\nThe grow room electricity calculator considers several factors when calculating grow light costs. These include the type of lighting, hours per day, electricity cost, and quantity of lights. You can calculate how much power grow lights will require in seconds. It shows you actual expenses for growing houseplants with grow lights.\nFlower vs. Veg Cycle\nGrow light costs can be greatly affected by the number of hours you want to operate them each day. You'll spend more money each month during marijuana vegetative growth since your lights are on for longer periods (about 18-24 hours per day) than in blossom. You will run LED lights for about 12 hours per day in the flower growth.\nType of Grow Light\nThe same cannot be said with grow lights. LED grow lights are a go-to choice because of their effectiveness and because they don't produce much heat. Only if you buy large LED lights that cover a lot of plants, like the Spider Farmer Grow Light, will you see a difference in your electricity cost. Check out Grow Light Finder if you're unsure what type of grow light to use.\nBrand of Grow Light\nMake sure you purchase from well-known brands to ensure that you get a warranty and high-quality products that are more efficient than those from unknown companies. A high-quality grow light will save you money in the long run because you won't have to replace it as frequently as you would with a lower-quality brand. GE, Sansi, and Rousseau are just a few of the well-known names in the industry.\nDo Growing Lights Use a Lot of Electricity?\nIt varies according to the lighting conditions. For example, a high-powered LED grow-light consumes a lot of energy. However, it consumes less energy than other types of light that provide the same amount of brightness.\nIsn't it true that LED grow lights consume less power? That implies they're almost free to operate, and you could save a ton of cash this way. Unfortunately, that is not the case as there will still be an electric bill.LEDs save you money in the long run since they're more effective than any other light source. However, you'll still be paying a high monthly cost of running your grow lights. If you were using any other type of light like HID lights, it would be far larger.\nHow Much Does a 1000 Watt Grow Light Cost to Run?\nIt's not as complicated as figuring out how much power an LED grow light consumes. You need to know the grow light's wattage and how many hours a day it is on. You'll need to figure out how much power is being utilized by the device. The cost of electricity is expressed in kilowatt-hours. You must divide your wattage by a factor of 1,000. (1,000 KW in 1 watt).\nIf we utilize 800 watts as the real electrical power, the power draw is 0.8 kilowatts per hour. The charge per hour is calculated by multiplying your kilowatt-hour rate (found on your power bill) by 0.8. If you choose time-of-day pricing, your costs will fluctuate based on the day, resulting in a variable hourly rate.\nTo arrive at the final figure, you must multiply the number of hours a day the lights are on by 0.8 KWh. That works out to a total of 19.2 kilowatt-hours consumed in 24 hours. Following that, it's important to know your power bill.\nIs It Expensive to Run LED Grow Lights?\nPlant lights may be a source of anxiety for some consumers, whose monthly utility bills are already rising. A powerful LED grow-light or many powerful LEDs will use a significant amount of your budget. When compared to high-intensity discharge (HID) lights, the cost to run the lights is significantly cheaper. LED lighting is among the most efficient methods to light up a grow room.\nLED light bulbs have a longer lifespan, are more sturdy, and provide equivalent or greater light energy than other light types. Changing bulbs every six months to a year is no longer necessary because of the increased lifespan of LED light bulbs. You save a lot of money by not buying new bulbs all the time.\nThe bottom line is that you may profit from LED grow lights by not only saving money due to their cost-effectiveness. A significant advantage of LED lights is obtaining what you want in terms of spectrum. The leading manufacturers have made LED lights with the ideal spectrum for plant development in consideration.\nTips to Lower Your Indoor Grow Room Electricity Costs\nIf you're only growing a few plants, switching to grow lights won't impact your monthly electricity expenditure. There are methods to cut costs for those of us with an abundance of plants in our homes.\nSwitch to Energy-Efficient LED Grow Lights to Save Money\nSwitch to LED lights immediately if you're still using incandescent lights to save money. U.S. Department of Energy (DOE) research indicated that LED grow lights can reduce electricity consumption by up to 30 percent compared to the custom lighting technologies in horticulture applications.\nReduce Hours Grow Lights Are On\nSuppose you're growing your plants under a grow light for 18 hours a day. Perhaps leaving the LED light on for 12 hours a day would be sufficient for the plants? The shortened hours should be fine if the leaves keep growing and developing. You'll pay less for power.\nInspect the Grow Room's Insulation\nInsulate your grow room properly. You will keep your plants warm without wasting money. Heat is necessary for germination and plant survival, and growth. If you don't properly insulate the glow room, your HVAC system will have to work overtime, and you'll wind up spending more on electricity bills.\nSwitching to a Less Expensive Electricity Provider\nYou can save money by switching to a cheaper power provider if you live in a country or state with various providers.\nIf You Have Access to Natural Light, Make Use of ItGrow lights may not be necessary during sunny weather, and the plants are next to the windows. If this is the case, switch them off, even if only for a few hours. You could even program the LED lights to switch on and off using timers.\nShould You Lower Your Electricity Bill When Growing Plants?\nPlants need light to thrive. Do not allow a lack of light to deter you from having a variety. You may save money and gain a lot of power for your plants by using energy-efficient grow lights. A better understanding of what it costs to run LED grow lights is now in your hands.\nThe above strategies can help you grow more efficiently. The money you save by growing your plants indoors will blow your mind. If you're using LED lights, the price will vary based on the type and the number of lights. So, if you're serious about growing, you'll want to look around for the best LED grow lights available.", "domain": "economics"}
+{"url": "http://dataranking.com/exp.cgi?LG=e", "date": "2021-05-15T20:49:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243991378.52/warc/CC-MAIN-20210515192444-20210515222444-00431.warc.gz", "language_score": 0.9446679353713989, "token_count": 301, "dump": "CC-MAIN-2021-21", "global_id": "webtext-fineweb__CC-MAIN-2021-21__0__155371565", "lang": "en", "text": "|About this site|\nThis website compares countries in the world in various ways, and describes their characteristics.\nAlthough my central concern is Japan (that is why this website is entitled \"Global Japanese Data Ranking\"), I believe it is useful to any of those interested in international comparison.\nI would be very happy if this website facilitates many people to think and discuss the characteristics of countries and regions.\nHowever, I strongly advise you not to trust the figures too much. This is not only because I might make some mistake when I put them, but also because they have various \"tricks\" by nature.\nFor example, a country indicates low crime rates either because there are really few crime cases, or because the country is more ignorant of the crime.\nThere are also differences in the way of estimation across different countries.\nHaving said that, I believe it is useful to look at the figures and compare different countries in order to stimulate your intelligence and to develop your idea about economy and society.\nHowever, I do not undertake any responsibility for any accident caused by the use of this website.\nThe use of the data on this website follows the policies of the source organizations below.\nWorld Bank: http://go.worldbank.org/OJC02YMLA0\nI contacted the following organizations respectively and obtained a permission to the use of the data.\nOrganization for Economic Cooperation and Development (OECD)\nPlease send your ideas and questions about this website to", "domain": "economics"}
+{"url": "https://atriumhotel.com/think-realty-conference-expo-irvine-2019/", "date": "2020-10-26T16:17:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107891428.74/warc/CC-MAIN-20201026145305-20201026175305-00110.warc.gz", "language_score": 0.9196085929870605, "token_count": 571, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__190641367", "lang": "en", "text": "If you consider yourself a real estate entrepreneur or investor, the Think Realty training and networking event is for you! A convenient 15-minute drive from your stay at The Atrium Hotel.\nThese events allow you to connect with real estate professionals, exhibitors, and educators that will help you to earn more return on your real estate investments.\nComing to Irvine on July 13-14, 2019, Think Realty is a power-packed, two-day weekend event for the inside scoop on the best real estate industry tools. Stay at The Atrium Hotel and enjoy various educational sessions throughout the weekend.\nThe real estate workshops and sessions will cover topics such as Real Estate Wealth Building, Establishing Your Real Estate Business and Brand, Residential Property Investing, and Commercial Property Investing.\nKeynote Speakers include Bruce Norris from The Norris Group and Brent Kesler from The Money Multiplier.\nBreakout Training Educational Sessions will include:\n- The Best Opportunities In Senior Housing For The Next 20 Years\n- Non-Conventional Lending, a panel discussion\n- A Presentation by Shawn Woedl of National Real Estate Insurance Group\n- How to grow your Investor Business with Kelly Soto, Finance of America Commercial\n- A Presentation by Clint Coons from Anderson Business Advisors\n- The Money Multiplier Method with Brent Kesler, The Money Multiplier\n- 3 Ways Flippers Can Access More Inventory with Bank Notes\nIn addition, there will be over 30 exhibitors who can provide you with various tools and services strictly focused on helping you achieve the most you can as a real estate entrepreneur. These industry professionals can assist with strategic planning, building a quality real estate investment business and marketing plan, and much more.\nAccess advice from Think Realty Coaches, who will take you through the five phases of establishing, maintaining, and growing a thriving real estate investment business: wealth building, best buy and hold practices, presenting your deal to private money leaders, streamlining processes, and commercial real estate investing will all be covered by these experts.\nIf you are serious about taking your real estate career and investing to the next level then be sure to mark your calendar for Think Realty Irvine. Early bird pricing is $65 until June 1st, so be sure to book your place early.\nLooking for a convenient business travel hotel in Irvine California? Look no further than The Atrium Hotel. Located next to John Wayne Airport, it offers everything the modern business traveler needs. Contact us today to book your stay for the Think Realty 2019 conference.\nFull Event Details: https://thinkrealty.com/tr-events/irvine/\nWhen: Sat, 13 Jul 2019, 8am-5pm – Sun, 14 Jul 2019, 9am-5pm", "domain": "economics"}
+{"url": "https://www.alanredunderwear.com/en/content/3-terms-and-conditions", "date": "2024-04-18T10:08:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817206.28/warc/CC-MAIN-20240418093630-20240418123630-00807.warc.gz", "language_score": 0.929375171661377, "token_count": 3002, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__112664220", "lang": "en", "text": "Terms and Conditions of Sale\nThe following General Terms and Conditions of Sale govern the offer and sale of products on our web site (\"www.alanredunderwear.com\"). The products purchased on www.alanredunderwear.com (hereby defined as the “Products” or the “Product”) are directly sold by Magir S.r.l. (\"the Vendor\"), with registered address at Via Aurelio Saffi 132 – Varese 21100 (Italy), VAT Number n. 00216790121, Share Capital Euro 10.471,00, fully paid up.\n1. Our Business Policy\nThe Vendor offers products for sale on www.alanredunderwear.com and its e-commerce business services are available exclusively to its end users, i.e. the \"Consumers\".\n\"Consumer\" shall mean any individual who is acting for purposes which are outside his or her trade, business or profession. If you are not a Consumer, please do not buy any products on www.alanredunderwear.com.\nThe Vendor reserves the right not to process orders received from users who are not \"Consumers\" and any other order which does not comply with the Vendor's business policy.\nThese General Terms and Conditions of Sale exclusively regulate the offer, transmission and acceptance of purchase orders relating to products on www.alanredunderwear.com between the users of the present website and the Vendor.\nThe General Terms and Conditions of Sale do not regulate the supply of services or the sale of products performed by third parties that are on www.alanredunderwear.com through links, banners or other hypertext links. Before sending orders and purchasing products and services from those third parties, we recommend that you verify the third party’s terms and conditions, since the Vendor shall under no circumstances be deemed liable for the supply of services provided by third parties or for the execution of e-commerce transactions between the users of www.alanredunderwear.com and third parties.\n2. How to Execute a Contract with the Vendor\nIn order to place an order for the purchase of one or more Products following the consultation of the catalogue available at www.alanredunderwear.com, you must:\n· Click on the “Add to cart” button;\n· Fill in the order form with your personal data and your delivery address.[VM|LP1]\nBefore submitting your order form for the purchase of Products, you will be asked to carefully read the General Terms and Conditions of Sale. The order form contains a summary of these General Terms and Conditions of Sale, information on the main characteristics of each Product ordered and corresponding unit price (including all applicable fees and taxes), the type of payment that you may use in order to purchase each Product, shipping terms for the purchased Products, shipping and delivery costs, terms and conditions for returning purchased products, the Vendor contacts. [VM|LP2]\nAn order shall be deemed to have been submitted when the Vendor receives your order form electronically and the order information has been verified as correct. If the order is correct, you will receive a first email informing you about the execution of the order and a second email informing you about the shipment of the Product.\nThe order form will be filed in our database for the time required to process your order and as provided by law.\nBefore submitting the order form, you will be asked to identify and correct possible input errors.\nEnglish is the language used for executing contracts with the Vendor. On the present website is also available the italian version of such Terms and Conditions of Sale.\nAfter your order form has been submitted, the Vendor will process your order.\nThe Vendor may not process purchases when orders are incomplete or incorrect, or the products are no longer available. In the above cases, we shall inform you by email that the contract has not been executed and that the Vendor has not carried out your purchase order specifying the reasons thereof. [VM|LP4] If the products displayed on www.alanredunderwear.com are no longer available at the time of your last access and once the Vendor has received your order form, the Vendor shall inform you of the unavailability of the ordered products within fourteen (14) days from the day after Vendor has received your order. If the order form has been sent and the price has been paid for items that are no longer available, the Vendor will refund the amount paid for those items.\nBy submitting an order form to and making a contract with the Vendor, you unconditionally accept and undertake to observe the provisions of these General Terms and Conditions of Sale. Should you not agree with certain provisions of these General Terms and Conditions of Sale, please do not submit your order form for the purchase of products on www.alanredunderwear.com.\n3. Guarantees and Product Price Indication\nThe Vendor does not sell second-hand products, flawed products or products of lower quality than the corresponding market standards.\nThe main characteristics of products are shown on www.alanredunderwear.com on each product page. [VM|LP6]\nPrices are subject to change. Check the final price of sale before sending the relevant order form.\nOrders made from a Country site different from the one you are shipping to, or to addresses to which the Vendor cannot ship, will be automatically cancelled.\nShould you decide to exercise your right to return purchased products, the Vendor has the right to not accept returned products that have been altered from their original status or damaged.\nAll products sold by the Vendor are covered by a guarantee for lack of conformity, as provided by the applicable law (for Italy 24 months). You shall inform the Vendor of the existence of any such lack of conformity within a period of two (2) months from the day when you detected the lack of conformity. Please contact the Vendor at the address mentioned at article 10 of the present Terms and Conditions of Sale.\nIn case of lack of conformity, you may choose between the repair or replacement of the product. If these remedies are impossible or disproportionate you are entitled to either require the Vendor to make an appropriate reduction in the price or to terminate the contract.\nPayment of the product prices and relevant shipping costs must be made by using one of the payments method indicated in the order form. For this purpose it is specified that the methods of payment allowed are those included in the Visa Mastercard Maestro Circuit (except for Visa Commercial and Mastercard Commercial). It is also specified that the Bancomat circuit cannot be used for payment of the Products.\nIn case of payment by Credit Card, all details (for example, card number or expiration date) will be sent safely to the relevant bank, without third parties having any access thereto whatsoever. Such details will not be used by the Vendor except for performing the procedure relevant to your purchase or issuing refunds in the case of returns in compliance with the exercise of your return right or for reporting cases of fraud occurred on www.alanredunderwear.com to the police. The price for the purchase of products and the corresponding shipping costs, as indicated in the order form, will be charged to your current account only when the purchased products are actually shipped.\n5. Shipping and Delivery of the Products\nYou can order items on our website and have them shipped to an address of your choice.\n6. Customer Care\nFor any further information that you may need with reference to your order please contact us at the contacts mentioned in article 10.\n7. Right of withdrawal\nYou may return products purchased from the Vendor, without any penalty and without specifying the reason, within fourteen (14) calendar days from receiving the products purchased on www.alanredunderwear.com\nTo return Products we invite you to alternatively:\nfill in and send the withdrawal form according to article 49, par. 4 of the Italian Consumer Code available at the following link: https://www.gazzettaufficiale.it/do/atto/serie_generale/caricaPdf?cdimg=14G0003300100010110001&dgu=2014-03-11&art.dataPubblicazioneGazzetta=2014-03-11&art.codiceRedazionale=14G00033&art.num=1&art.tiposerie=SG\n· send to the Vendor any other withdrawal declaration.\nIf you choose to use the withdrawal form, the Vendor will send you a confirmation email about the receipt of your request. If you choose to use other withdrawal declaration, you have to demonstrate the correct and timely exercise of your withdrawal right.\nOnce you exercise your withdrawal right according to article 7.2., you have to to return the items to the Vendor by giving them back to the courier within fourteen (14) calendar days from the date on which the items are delivered to you.\nThe only cost at your expense will be the ones for Product return, unless otherwise accorded by the Vendor, provided that you will use the same shipping agent used by the Vendor for sending you the Products.\nThe return right - besides compliance with the terms and procedures described at par. 7.1, 7.2, 7.3 and 7.4 above - shall be deemed correctly exercised once the following conditions have been fully met:\na) you filled in and submitted the withdrawal form or other withdrawal declaration within fourteen (14) days from the date you received the Products;\nb) the products must not have been used, worn, washed;\nc) the products must be returned in their original packaging;\nd) return items must be shipped back to fourteen (14) calendar days from the date of withdrawal according to article 7.2;\ne) the products must not have been damaged.\nThe Vendor shall refund amounts already paid as soon as possible and in any case within fourteen (14) calendar days from the date on which we became aware of your decision to exercise your withdrawal right. After having confirmed that the terms and conditions stated above have been duly complied with, we will promptly start the refund procedure as indicated in section 7.5.\nThe value date for the credit shall be the same as the value date of the original debit and consequently you shall not lose bank interest.\nIf the provisions of the present article will not be obeyed, you will be not entitled to be refunded by the Vendor. After fourteen (14) calendar days from the email of the Vendor concerning the refund refusal, you can ask the Vendor to get the Products back “as they were”. Otherwise, the Vendor will retain the Products, as well as the sums already paid for their purchase.\n8. Return Policy\nIn additon to the abovementioned right of withdrawal, the Products purchased on the present website can be returned within 14 days from receipt of delivery, provided that they will be received in the same conditions they were shipped.\nThe Products must be returned according to the following instructions:\n- the request must be written and must contain one of the following reasons of return:\n· Product purchased by mistake;\n· Wrong size (specify if it’s too small or too big);\n· Product or packaging damaged;\n· The shipped product is wrong;\n· The shipped product wasn’t ordered;\n· Product no longer needed;\n· Don’t like the Product;\n· Other. In this case please specificy the reason of return (other than those mentioned here above).\n- the request must be sent at email@example.com\n- once the existence of the right of return has been verified, the Vendor will inform you via email at the address you used to send the request of return;\n- you must reserve the return of the Product within 14 days from the date you receive the communication from the Vendor, according to the instructions given by the latter.\nIn this case we will refund only the Price of the Product you purchased but not the expenses for the return of the Product. The risks deriving from trasnportation and return will be at your own expense. Such provisions are additional and do not preclude the right of withdrawal as described at article 7.\n10. Governing Law\nThese General Terms and Conditions of Sale are governed by Italian law and in particular by legislative decree no. 206 of 6 September 2005 (Italian Consumer Code, Part I°) and by Italian legislative decree no. 70 of 9 April 2003 on certain aspects related to e-commerce.\nPlease note that the European Commission provides a platform for alternative extra-judicial resolution of disputes, available on the website http://ec.europa.eu/odr, without prejudice for the judicial remedies that the Consumer may exercise for the disputes arising from the present Terms and Conditions of Sale.\nIf the consumer is not italian, he/she can also apply for the procedure established by the European Council (EU Regulation 861/2007) regarding small claims (that is to say, the ones that do not exceed 2.000,00 Euros). The abovementioned regulation is available at the following link: eur-lex.europa.eu.\nphone number: +39 (0)332 226038.\n12. Amendments and updates\nThe General Terms and Conditions of Sale may be amended from time to time due to new laws and regulations or other reasons. The new General Terms and Conditions of Sale shall be effective as of the date of publication on www.alanredunderwear.com.\nPrices displayed on the www.alanredunderwear.com website are quoted in Euros. While we try to ensure that all prices on our website are accurate, errors may occur.\nLast update: November 11th 2019", "domain": "economics"}
+{"url": "http://kites4fly.com/2022/04/05/this-year-will-be-the-year-of-company/", "date": "2022-07-05T18:51:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104597905.85/warc/CC-MAIN-20220705174927-20220705204927-00234.warc.gz", "language_score": 0.9730046391487122, "token_count": 1309, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__77996076", "lang": "en", "text": "Business deals with the production, exchange, as well as sale of products as well as services for profit. Its key objective is to meet the demands of people with its product or service. Organizations can be created as a single proprietor, a collaboration, a joint stock company, or a cooperative task. Listed here are some methods to arrange your service. Read on to find out exactly how to organize your company. You can likewise think about running your own organization if you have the necessary resources as well as knowledge.\nAn organization is a task conducted for profit, such as making, offering, or trading products. A service is generally a business that creates and also sells services or products. Although companies may lose cash, they can still be considered services. Profit does not always suggest money payments, as it can also be a kind of safeties or barter trades. This makes it vital to clearly define your company before you start the process of running an organization. If you are taking into consideration starting a new one, you may want to consider this.\nService activities range from creating products and services to giving them to consumers. These tasks consist of financial, insurance policy, product packaging, transport, and a lot more. According to Derek F.Abell, business activities can be broken down into three primary dimensions. The two most basic methods to define a service are with its function to clients, in addition to its use of different technologies. These 3 components comprise business’s key objective. Regardless of the size of your business, you must be able to specify it properly and also develop the most effective feasible chance for profit.\nWhat is a business? A service is any task that seeks profit by producing or providing an excellent or solution. The task is profit-oriented as well as can not include non-economic activities. The term “revenue” is often made use of in a common sense as well as can describe cash payments or protections. A solitary deal is not a service. If you offer furnishings regularly, it is a business. A business can have 2 various interpretations of earnings.\nA business is an activity in which people earnings. It is a sort of activity that involves the production and distribution of a product. The supreme objective of a service is to earn a profit. Commonly, a company will certainly have many consumers and a high profit margin. However, an organization will certainly have a variety of various products and services. Some of these products might be a lot more lucrative than others. If you offer furnishings, you’re offering a service.\nAn organization is an activity that seeks profit. It is an industrial activity that creates goods or solutions and also markets them commercial. It is not a leisure activity. It is a legit venture. It is a legit means to earn money. A company must be legal to run an organization. Unless it has a not-for-profit status, it is not a company. A not-for-profit organization can not be a company. A business can be a charity or charitable.\nA company is an activity that entails the production of products and also services commercial. It is a genuine venture that aims to profit society as well as improve the lives of individuals. While it does not have to pay, it is a genuine pursuit. It can be a pastime or it can be a full-on organization. If you sell service or products regularly, it is a company. It is a legal requirement.\nAn organization is a legal entity. It is a legal entity that produces goods as well as solutions. It has a distinct identity and also is owned by an entity. Its employees are in charge of the tasks of the business. A company is a kind of corporation that is legitimately obliged to pay tax obligations and pay wages. Basically, a business is a legal structure that enables you to do what you want without paying a solitary penny.\nA business is a successful undertaking, but it should correspond in order to be considered a business. It has to be consistent. It can be a single deal or a series of deals. This is the meaning of a business. It does not mean that it is profitable. Rather, it is a systematic, organized process that is encouraged by earnings. If a firm is not running similarly as a not-for-profit, it is an organization.\nWords company refers to an organization that seeks earnings. A company can use items as well as services to clients in return for cash. The purpose of business is not necessarily profit-making. As long as a company pursues its objective of earnings, it is a legitimate business. Nonetheless, many people have misconceptions regarding the interpretation of service. In this post, we will certainly go over a few of one of the most common myths concerning the term “service.” In addition, we will certainly analyze several of the most crucial meanings of the term, in addition to the aspects that make an organization special.\nThe idea of organization is the underlying suggestion that encourages a service. A service idea is a general concept that overviews the entire endeavor. A business can be for-profit, or it can serve a charitable or social reason. Additionally, a company may experience losses. An earnings is not necessarily cash, though it may be, if the purpose is to develop earnings. Some services are for-profit, while others are not. Despite the objective of the business, there is an element of danger associated with running a business.\nIn general, a business entails the production of goods or solutions for profit. It can be for-profit, or it can be for-profit as well as can promote a social cause. A business can be little, or big, but a business can be any kind of type of venture. In fact, a sole investor can run a business on his/her own. To put it simply, a family members can run a home furnishings store, while a firm is a worldwide organization. website\nA service’s goal is to provide earnings. It can consist of any kind of task that facilitates the production and distribution of goods and also services. It can likewise consist of monetary activities like financial, insurance coverage, product packaging, and transportation. The meaning of a business can differ, yet many people will certainly concur that the key goal of a company is to generate income. A business can be a for-profit entity or a charitable one, depending on the nature of its purpose.", "domain": "economics"}
+{"url": "https://kanionco.en.made-in-china.com/product/yjHmFspULWVI/China-9000BTU-12000BTU-18000BTU-24000BTU-Inverter-Mini-Split-Air-Conditioning.html", "date": "2019-08-25T03:23:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027322170.99/warc/CC-MAIN-20190825021120-20190825043120-00538.warc.gz", "language_score": 0.8575298190116882, "token_count": 913, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__126633293", "lang": "en", "text": "Company ProfileKanion Group (Group of companies including Kanion Group Co.,Limited & Shenzhen Kanion Appliance Co.,Limited) is a specialized, high-tech enterprise in the field of home appliances, founded in China. Our main goal is to supply high quality products, by using cutting-edge technology in the production line, while retaining cost efficiency and complying with International Environmental Protection Regulations.We incorporate latest technological advances such as Environmental Friendly Refrigerant Type, Energy Saving and Solar Technologies, in order to provide a complete pool of necessary products to cover the needs of the global community.\nKanion Group's field of expertise is Air Conditioning products. We produce and supply air conditioners covering almost all range of Residential type, light commercial type and Heavy Commercial type.\nMore specifically, Kanion Group supplies and exports the following products to more than 100 countries, under the brand name KANIONco:\nI. Residential type: Wall Split Mounted Type, Window Type, Floor Standing Type, Portable Type and DehumidifiersII. Light Commercial type: Duct Type, Ceiling Cassette Type, Floor Ceiling Type, PTAC\nIII. Heavy commercial type: Water Chillers, Air Chillers, VRF systems, MINI-VRF Systems, Rooftop Packages\nIV. Full functional Hybrid Solar Air Conditioners\nOur production Bases are introduced as below:\nI. Shenzhen Production Base: Occupies an area of 800,000 square meters, incorporates 10 production lines with over 40,000 employees. Commercial Air Conditioners produced by this Production Base are exported to more than 100 countries. SASO, UL, ETL, CE, CB and ISO qualified.\nII. Foshan Production Base: Occupies an area of 680,000 square meters, incorporates 10 production lines with over 3,800 employees. Residential Air Conditioners such as Wall split mounted type, Window type, Portable type, Floor Standing type and Dehumidifiers, produced by this Production Base are exported to more than 100 countries. SASO, UL, ETL, CE, CB and ISO qualified\nIII. Dongguan Production Base: Occupies an area of 600,000 square meters, incorporates 8 production lines with over 2,000 employees, specialized in Portable Air Conditioners' production mainly. The Products are exported to more than 100 countries. SASO, UL, ETL, CE, CB and ISO qualified.\nIV. Ganzhou Production Base: Occupies an area of 1,000,000 square meters, incorporates 15 production lines with over 6,000 employees, specialized in Heavy Commercial Type Air Conditioners' production mainly. The products are exported to more than 100 countries. SASO, UL, ETL, CE, CB and ISO qualified.\nKanion Group is experienced in resources integration. By embodying the latest advances of technology in our procedures, we manage to keep low production cost while retaining our high quality standards. We are committed to providing our buyers a strong competitive advantage over their competitors in local markets.\nHigh quality and cost efficiency is not only our main target but also the key to expand our products and brand in the shortest time given. We, the Kanion Group, sincerely invite you to try our products and services.\nKanion Group Research and Development team is currently working on the development of new smart devices with advanced technology that will be available for every budget:\nl Smart VR/AR Glasses under the brand name O'KANION\nl Home AI assistant under the brand name O'KANIONProducts Features1. Streamline design which can meet Europe, The USA, Latin America and all other markets very well.\n2. 3D DC Inverter System\nDC Motor Of Cross Flow Fan, variable transmission of the fan speed and super quiet.\nDC Motor Of Compressor, improve the engery efficiency\nDC Motor Of Axial Flow Fan, Improve the ener efficiency3. HD Filter\n5. Goden Fin\nGeneral Trade Term1. Trade Term\nFOB, CFR, CIF are all available from us2. Payment Term\nT/T, L/C, OA, PAYPAL are all available from us3.Delivery\nWithin 20 days for sample order; within 40 days for normal order4. Warranty\n5 years for compressors; 2 years for unit.\nFor more information, please feel free to contact us.\nThank you so much for your supporting.", "domain": "economics"}
+{"url": "http://greenspanassoc.com/", "date": "2023-12-09T17:45:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100942.92/warc/CC-MAIN-20231209170619-20231209200619-00703.warc.gz", "language_score": 0.8255879282951355, "token_count": 263, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__217784475", "lang": "en", "text": "Your Source for Pension Administration\nGreenspan & Associates, Inc.\nPhone: (818) 708-0600\nFax: (818) 708-0801\n6345 Balboa Blvd., Building III, Suite 355 Encino, CA 91316-1511\nInterested in learning about our services?\nGreenspan & Associates, Inc. is a pension administration firm, currently responsible for over 500 pension plans.\nWe help design, implement and administer retirement plan.\nWe are a fee-based company that provide independent and objective consulting without selling any investment products.\nPlease click on the news links for up-to-date information on how your pension plan may be impacted.\nLet us help you in setting up your pension plan. Please contact us at (818) 708-0600 or email us for more information at email@example.com.\nIf you’re looking for high quality and personal service, you’ve come to the right place.\nAt Greenspan Associates we’ll give you the attention and personal service you deserve.\nThis site will introduce our company, including our actuaries and pension consultants. As well, a variety of forms are available for download for existing and new clients.", "domain": "economics"}
+{"url": "https://care.sg/donate-via-online-form/", "date": "2023-09-23T04:17:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506479.32/warc/CC-MAIN-20230923030601-20230923060601-00384.warc.gz", "language_score": 0.9364404678344727, "token_count": 247, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__301794943", "lang": "en", "text": "Donate through Online Form\nYour donations change lives!\nA little goes a long way. Be it $1 or $100, every dollar counts towards supporting our youths and changing lives. Your donations are the reason that we have impacted so many, and are able to keep empowering youths to be their best selves.\nCheck out the impact your donations make!\nVia Online Form\nCorporate Social Responsibility (CSR) with CARE\nCorporate Social Responsibility (CSR) is increasingly vital to the competitiveness of both local and global enterprises. By addressing their social responsibility, enterprises can build long-term employee, consumer and citizen trust as the basis of a sustainable business model for innovation and growth.\nHelping at-risk youths is a social investment for long-term social cohesion and stability. Hence, CARE offers an important CSR avenue for companies with long-term business interest in Singapore. It is our pleasure to work with socially responsible corporate citizens who wish to give back by helping youths succeed. The possibilities are only limited by one’s imagination!\n- Join the CARE Village today!\n- Donate to CARE now!\n- Contact CARE\nPrint a copy and mail it to us along with the cheque", "domain": "economics"}
+{"url": "https://settledebt.com.au/ideas-negotiating-creditors/", "date": "2020-07-14T06:03:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593657149205.56/warc/CC-MAIN-20200714051924-20200714081924-00161.warc.gz", "language_score": 0.9580939412117004, "token_count": 234, "dump": "CC-MAIN-2020-29", "global_id": "webtext-fineweb__CC-MAIN-2020-29__0__128718879", "lang": "en", "text": "Ideas for negotiating with creditors\nIf you are facing sudden income changes such as reduced income or unemployment, you might resort to relying on your credit card for your daily expenses. This will shoot up your credit card debt and monthly payments and it may be harder to keep up.\nBefore the debt becomes too much to manage, you should set an appointment with your creditors, inform them of your circumstances, and negotiate for more manageable terms of payment.\nWhether you are negotiating informally or in writing, you may try the following ideas.\n- Request for a temporary suspension of payments if you believe your circumstances will change soon.\n- Request for reduced payments over a longer period of time.\n- Request for lower interest rates.\n- Offer to pay a lump sum amount you can afford now, even if it is less than the amount you originally owe.\nYour creditor may or may not agree to your proposed terms, but keep in mind that you won’t know unless you try. Be sure that you can afford the terms you will offer before you talk to your creditors.\nFor more ideas on negotiating with creditors, check this article from Money Help.", "domain": "economics"}
+{"url": "https://talent.swissblocks.co/private-equity-partner-136653/", "date": "2024-04-13T20:04:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816832.57/warc/CC-MAIN-20240413180040-20240413210040-00562.warc.gz", "language_score": 0.9076693654060364, "token_count": 756, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__2868656", "lang": "en", "text": "Are you a dynamic and visionary Private Equity professional with a proven track record of driving growth and creating value? Suisseblocks Private Equity, a leading investment firm, is seeking a strategic Private Equity Partner to join our esteemed team in Marbella, Spain. As a Private Equity Partner, you will play a pivotal role in shaping our investment strategies, driving portfolio company performance, and contributing to the continued success and expansion of Suisseblocks Private Equity.\nAbout Suisseblocks Private Equity:\nSuisseblocks Private Equity is a renowned investment firm with a focus on identifying and nurturing high-potential businesses across various industries. We specialize in providing strategic capital, operational expertise, and financial support to portfolio companies, helping them achieve sustainable growth and long-term success. Our commitment to excellence, innovation, and ethical business practices sets us apart as a preferred partner for exceptional entrepreneurs and investors.\nAs a Private Equity Partner at Suisseblocks, you will:\n1. Play a key role in formulating and executing the firm's investment strategy, identifying attractive investment opportunities, and conducting thorough due diligence on potential targets.\n2. Lead and manage all aspects of the investment lifecycle, from deal origination to execution, and actively participate in portfolio company management post-investment.\n3. Collaborate with the investment team to assess, structure, and negotiate deals that align with the firm's growth objectives and risk appetite.\n4. Utilize your strong network of industry contacts and relationships to source potential investment opportunities and develop new partnerships.\n5. Provide strategic guidance and support to portfolio companies, identifying areas for growth, operational improvement, and value creation.\n6. Continuously monitor the performance of investments, evaluating market trends and industry dynamics to inform portfolio management decisions.\n7. Represent Suisseblocks Private Equity at industry events and conferences, enhancing the firm's reputation as a leading player in the private equity space.\n1. Proven experience as a successful Private Equity professional with at least 10 years of relevant experience.\n2. A track record of identifying and executing successful investment deals with a focus on creating value and generating attractive returns.\n3. Strong financial acumen, analytical skills, and proficiency in conducting thorough due diligence.\n4. Demonstrated ability to lead and mentor teams, fostering a collaborative and high-performance culture.\n5. Extensive network of industry contacts and a reputation for integrity and professionalism.\n6. Excellent communication and negotiation skills, with fluency in English (additional language skills are advantageous).\n7. Master's degree in Finance, Business Administration, Economics, or a related field is preferred.\nWhy Join Suisseblocks Private Equity:\n- Be part of a prestigious and reputable investment firm with a proven track record of success.\n- Work in the dynamic and driven location of Marbella, Spain, offering an excellent work-life balance and a vibrant lifestyle.\n- Collaborate with a highly experienced and accomplished team of professionals.\n- Access to a diverse and exciting portfolio of investment opportunities.\n- Opportunity to make a significant impact on portfolio companies and contribute to their growth and success.\n- Competitive compensation package with performance-based incentives.\nIf you are a visionary and accomplished Private Equity professional looking for an exceptional opportunity in the dynamic location of Marbella, Spain, to shape the future of high-potential businesses, Suisseblocks Private Equity is the place for you. Apply now with your updated resume and a cover letter highlighting your achievements and passion for the private equity industry.\n*Please note that only shortlisted candidates will be contacted for interviews.*\n*Suisseblocks Private Equity is an equal opportunity employer and values diversity in the workplace.*", "domain": "economics"}
+{"url": "https://www.taibaeolien.com/news/ustda-awards-grant-to-lekela-to-explore-potential-for-senegals-first-grid-scale-battery-storage-system/", "date": "2023-03-30T20:56:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296949387.98/warc/CC-MAIN-20230330194843-20230330224843-00226.warc.gz", "language_score": 0.9259782433509827, "token_count": 821, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__4600556", "lang": "en", "text": "USTDA Awards Grant to Lekela to Explore Potential for Senegal’s First Grid-Scale Battery Storage SystemWednesday 7th October 2020\n- Battery study in partnership with Senelec at 158.7MW Taiba N’Diaye wind farm aims to provide increased grid stability and pave the way for more renewable energy capacity in Senegal\n- 10-month study will provide the technical, economic, legal, and environmental analysis necessary to implement and operate the battery storage system\n- 7MW Taiba wind farm commenced operations earlier in 2020 and will provide power for over 2 million Senegalese once final phase is complete\n28 September 2020 – Lekela has been awarded a grant from the U.S. Trade and Development Agency (USTDA) to fund a feasibility study in partnership with Senelec for Senegal’s first grid-scale battery electric storage system. The study will focus on how to provide increased grid stability and integrate intermittent renewable energy into Senelec’s electricity grid. The battery will be located at Lekela’s 158.7MW Parc Eolien Taiba N’Diaye (PETN) project, which is itself the first utility-scale wind farm in Senegal.\nThe project is expected to be one of the first stand-alone battery storage projects built on an independent power producer basis and one of the first large-scale applications of battery storage in Senegal. The study, which will take approximately 10 months, will provide the technical, economic, legal, and environmental analysis necessary to implement and operate the battery storage system. If the system then goes ahead, it will help manage variable renewable energy generation in Senegal, paving the way for further wind and solar projects in the country.\nChris Antonopoulos, Chief Executive of Lekela, said: “If successful, this project has the potential to catapult Senegal to the forefront of renewable energy usage in modern day grids. Wind power has been deployed for decades in some countries, yet only months after turning on Senegal’s first ever wind farm, we are now investigating how to integrate battery storage to the site. This is the logical next step to utilise wind and solar and bring clean, cheap power to Senegal’s citizens. We’re delighted that the USTDA has awarded a grant to Lekela to advance this project in partnership with Senelec, which will be one of the largest battery IPPs in Africa.”\nOnce complete by the end of 2020, PETN will deliver 158.7MW of clean, renewable wind power to over 2 million people in Senegal. It forms a critical component of Senelec’s energy mix and part of the Government’s “Plan Senegal Emergent”. The wind farm will help avoid the release of 300,000 tonnes of carbon dioxide annually. The project is one of several being built across Africa by Lekela which in total has 1,300MW of wind power in operation, construction and development.\nChris Antonopoulos continued: “As West Africa’s largest wind farm, our Parc Eolien Taiba N’Diaye project places Senegal at the forefront of countries committed to the development of renewable energy. It’s fantastic to be involved in furthering this progress through this project and we are grateful to Senelec for their support and collaboration in making this project happen.”\nAs well as creating up to 400 employment opportunities during construction, PETN is deploying a broader socio-economic programme in the Taiba N’Diaye area creating sustainable livelihoods in the local community. Projects to improve local agriculture, provide vocational training opportunities, and refurbish or build local infrastructure is the start of this 20-year programme that will invest up to $20 million over the lifetime of the wind farm. Already, a new marketplace has been constructed for Taiba N’Diaye’s farming community and a new IT centre has been built for local schoolchildren.", "domain": "economics"}
+{"url": "https://redanddead.wordpress.com/2012/08/17/friends-market-goods-for-the-garden/", "date": "2018-03-21T10:54:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-13/segments/1521257647612.53/warc/CC-MAIN-20180321102234-20180321122234-00549.warc.gz", "language_score": 0.9389999508857727, "token_count": 639, "dump": "CC-MAIN-2018-13", "global_id": "webtext-fineweb__CC-MAIN-2018-13__0__132849275", "lang": "en", "text": "By LAUREN LOUDERMILK\nFor Beverly Morton, the Friends of the Garden annual flea market has an origin close to heart.\n“Eunice Robertson, who was on the original Friends board, and I were talking one day about the fact that my husband and I go to the flea markets and we find all these neat things,” said Morton, membership services coordinator for Friends of the Garden. “And, we thought we ought to have one at the garden so the Friends got together and we did it.”\nFriends, a charitable, nonprofit organization formed in 1972, holds its annual flea market to benefit the State Botanical Garden. It’s the biggest fundraiser of the year, mostly due to the effort of Friends associates.\nAnd the work is endless.\n“When this flea market ends on Saturday, we’ll start talking about next year’s flea market,” Morton said. “We first solicit to Friends members who donate things and then they tell their friends and they donate things.”\nPlanning the event is a group affair, pulling work from Friends members and volunteers alike. One volunteer in particular, B.J. Garrett, teamed up with Morton after Robertson retired.\n“Beverly and I work so well together, it just seems we think alike and things get done in a hurry,” Garrett said.\nThe Friends’ flea market raises $5,000 to $6,000 just in the one day event, with all proceeds from the donated goods directly benefiting the Botanical Garden. The market boasts a wide selection of items including antiques, jewelry, luggage, gardening tools, toys, electronics and books.\nWhile Garrett doesn’t have a favorite item to donate, she loves seeing what other people buy.\n“Things you think will not sell are the first things to be bought,” Garrett said. “It’s fun to watch.”\nThey don’t take clothing donations, but other big sellers continue to be furniture and linens. Morton encourages students looking to decorate to stop by.\n“A student could come in here and furnish an apartment easily,” Morton said. “For students coming back in the fall this is a great place to come.”\nThe flea market is a bazaar of eclectic items that will appeal to everyone. But, it’s Friends and the volunteers at the heart of the event who really bring it to life.\n“The same people have worked with Beverly and me for most of the sales,” Garrett said. “We have fun and laugh a lot. Our workers are the greatest.”\nAll donations can be dropped off Aug. 13 to 17 from 9 a.m. to 3 p.m. at the Botanical Garden.\nWhat: Friends of the Garden’s 8th Annual Flea Market\nWhen: August 18, 8 am to 1 pm\nWhere: The Botanical Garden’s Visitor Center", "domain": "economics"}
+{"url": "https://owentoews.commons.gc.cuny.edu/", "date": "2020-04-03T00:29:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370509103.51/warc/CC-MAIN-20200402235814-20200403025814-00327.warc.gz", "language_score": 0.9389712810516357, "token_count": 315, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__228162146", "lang": "en", "text": "Owen Toews is the author of Stolen City: Racial Capitalism and the Making of Winnipeg, published by ARP Books in 2018. He received his PhD in geography from the City University of New York and held the University of Alberta’s Grant Notley Memorial Postdoctoral Fellowship for research in politics, history, economy, or society of Western Canada. His work examines regional geographies of racial capitalism and the local alliances, development plans, and modes of consciousness mobilized to mediate processes of economic restructuring and to achieve regional dominance. His research documents how a regional tradition of settler colonialism – as a specific expression of racial capitalism – has made and remade Winnipeg and the Canadian North-West over the past one hundred and fifty years. Through a combination of archival and ethnographic research, Stolen City examines the capitalist development plans and buried counter-plans that have established Winnipeg’s current geography of extreme racial and economic inequality. This work draws parallels between present-day dynamics of state-led gentrification and classic late-1800s Canadian settler colonialism yet goes beyond such comparisons to trace how successive economic development plans have responded to both the intended and unintended effects of earlier regional agendas to accomplish serial dispossession. He is a founding member of the DIY museum collective Winnipeg Arcades Project, a member of the abolitionist prisoner solidarity group Bar None, and acquisitions editor for ARP Books‘ Semaphore series. Born and raised in Winnipeg, he is descended from Russian Mennonites.\nContact: otoews [at] gmail.com", "domain": "economics"}
+{"url": "https://www.askbisdesigns.com/Our-Company", "date": "2017-04-27T11:06:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917122159.33/warc/CC-MAIN-20170423031202-00302-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9474190473556519, "token_count": 125, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__317677414", "lang": "en", "text": "After consulting with many local businesses in the Gulf Coast\narea, Phillip Long and Kevin Welch, owners of Business Information Solutions, realized the local market had a need\nfor a reliable and professional web design company. Although there were local design companies, none could create a\ntop-dollar, custom-designed website at an affordable price.\nIn 2009, Phillip and Kevin joined forces with expert designer, Donald Johansson, to found BIS Designs, a division of BIS Technology Group. Since then, BIS Designs has grown from\na one-man web design company into a fully-staffed digital marketing firm.", "domain": "economics"}
+{"url": "https://csiawards.org/booking-form/", "date": "2018-09-23T21:32:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-39/segments/1537267159820.67/warc/CC-MAIN-20180923212605-20180923233005-00317.warc.gz", "language_score": 0.9288012385368347, "token_count": 359, "dump": "CC-MAIN-2018-39", "global_id": "webtext-fineweb__CC-MAIN-2018-39__0__36693350", "lang": "en", "text": "Our fourth CSI Conference & Awards Ceremony will take place in Manchester, at the Gorton Monastery on Thursday October 26th 2017. Book your Place…\nWe anticipate a strong submission of nominees for each of the 2017 Awards and for places at the CSI Conference & Awards Ceremony 2017 and will therefore be making up to 300 places available for landlords, tenants and high profile guests and speakers.\nFor 2017 our plan is to make the CSI Awards into and Conference and Awards Ceremony. The event will start at 11.00am with the conference and discussion panels and the Awards Ceremony will take place after a lunch. The programme – speakers and discussions panels will be announced in July 2017.\nThe conference and discussion panel will take a broader view of the social housing sector, fitting in with the HCA consultation on changes to the Tenant Involvement and Empowerment Standard to ensure that tenants are meaningfully consulted. The conference will have one main objective, to establish: \"What opportunities can tenants have to influence their landlords in the face of changing national picture\". The focus will be on two big issues, firstly mergers – and the role or tenant and landlord in the context of the new TEI standard and secondly, how landlords fund new build - given that the White Paper hints at potential rent increases post 2020 in exchange for landlords building more new homes.\nAwards will be presented by the awards judges, sponsoring organisations and additional high profile figures from housing sector.\nIndividual places can be booked and are available at £125.00 (+VAT), or tables for 10 at £995 (+VAT).\nIndividual bookings will be seated on mixed tables of 8-10 people. The Conference & Awards will comprise of tea & coffee, 3 course lunch with drinks.", "domain": "economics"}
+{"url": "https://tylermeyer.shorewest.com/blog/shorewest-realtors-reports-record-year-in-2021/", "date": "2024-04-25T10:37:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712297292879.97/warc/CC-MAIN-20240425094819-20240425124819-00505.warc.gz", "language_score": 0.9601467251777649, "token_count": 544, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__14192618", "lang": "en", "text": "Shorewest, REALTORS® Reports Record Year in 2021\nShorewest, REALTORS® had its best year on record, closing $3.26 billion in real estate sales in 2021. This is the highest annual sales ever recorded for the company in its 75-year history of selling real estate.\nShorewest sales associates helped 10,880 families in 2021 by successfully negotiating for their clients in this competitive market.\n“Our success in 2021 is due to the hard work and diligence of our industry-leading sales associates, management and support teams,” says Joseph A. Horning, president of Shorewest, REALTORS®. “They truly put their clients first, and are committed to delivering outstanding results no matter what is happening in the market. We can’t thank them enough for all they do for their communities and clients.”\nAs the #1 independent, family-owned brokerage in Wisconsin, this impressive achievement in sales volume continues to secure the company as the largest firm in Wisconsin.\nA market with low inventory and strong buyer demand helped drive the average sales price of homes up 9.5% (median sales price per Sq. Ft.) to $319,573. Multiple offers – often well over asking price — became the norm in 2021. With many buyers missing out on securing a home in 2021, sales are expected to be strong well into 2022.\nAbout Shorewest REALTORS®\nThrough over 75 years and three generations of leadership, Shorewest, REALTORS® has served the housing needs of Wisconsin. From the vision of one man to the power of 1,200, Shorewest has grown to include 25 sales offices and a family of in-house relocation, property management, rentals, mortgage, title and insurance services. In 2021, Shorewest was named the Wisconsin’s #1 Real Estate Top Workplace for the tenth consecutive year.\nShorewest, Realtors® is Wisconsin’s Largest Home Seller™, a position it’s held since 1951. Shorewest currently controls more than 27% of the metro-Milwaukee real estate market, according to Metro Milwaukee MLS.\nWith innovative services such as its comprehensive internet site and apps for Apple IOS and Android devices, Shorewest leads in using technology to exceed customer experience and usability. Shorewest, REALTORS® also specializes in marketing fine homes. As a founding member of the Leading Real Estate Companies of the World®, it is a part of Luxury Portfolio International®, which features the most comprehensive marketing program and network of luxury-tier properties throughout the world.\nCategories: Shorewest News", "domain": "economics"}
+{"url": "https://depredict.com/official-phillips-will-be-the-new-sleeve-sponsor-for-barcelona-from-may-28/", "date": "2023-05-29T16:32:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644867.89/warc/CC-MAIN-20230529141542-20230529171542-00544.warc.gz", "language_score": 0.9524098038673401, "token_count": 466, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__162017778", "lang": "en", "text": "Official: Phillips Will Be The New Sleeve Sponsor For Barcelona From May 28\nIn a major development, Dutch multinational company, Philips, have officially announced that they have agreed a deal with FC Barcelona to become of their main sponsors.\nAs part of the agreement, the logo of Ambilight TV, a technology developed by Philips, will appear on the sleeves of the Barcelona first-team jersey, starting from this weekend’s home match against RCD Mallorca on May 28.\nThe official statement announced by the company read: “TP Vision, the company responsible for the design, manufacturing and sales of Philips TV, Philips Sound and AOC Audio products has announced a new partnership with legendary global football team, FC Barcelona, as a Main Partner for TV, Display and Audio devices.\n“As one of the club’s three Main Partners, Ambilight TV will appear on the sleeve of the men’s first-team football shirt from May 28th to coincide with the final matches of the 2022/23 season.”\nWelcoming the agreement, Barcelona’s marketing vice-president Juli Guiu, said: “We are very proud to welcome TP Vision as a new Main Partner of FC Barcelona.\n“Barça has always stood out for its committed quest for excellence, both on and off the field of play, and this agreement is another successful example of this because we are partnering with a world-leading company in the field of electronics and audiovisual technology.”\nAs part of the agreement, TP Vision will also become the TV & Display provider for the audiovisual infrastructure of the new Spotify Camp Nou once the stadium reconstruction is complete.\nWhile the statement from Philips does not announce the duration of the agreement, it has been previously reported that they will be signing a three-year contract with Barcelona, with an additional option of two more.\nBarça would earn €8 million for the first year of the contract, while the revenue will increase to €10 million for the second year and €12 million for the third.\nIf the option of the additional two years is taken up, the Blaugrana will earn €12 million in the fourth year and €14 million in the fifth year of the agreement.", "domain": "economics"}
+{"url": "http://www.myburlingtonapartment.com/Rent-Track.html", "date": "2019-12-14T15:10:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575541281438.51/warc/CC-MAIN-20191214150439-20191214174439-00230.warc.gz", "language_score": 0.8836171627044678, "token_count": 175, "dump": "CC-MAIN-2019-51", "global_id": "webtext-fineweb__CC-MAIN-2019-51__0__93643717", "lang": "en", "text": "1. Go to their website and search for your rental address.\n2. Pay rent online by eCheck or Credit Card. Securely enter your account information once for recurring payments and your rent will be paid on-time, every-time.\nIf paying via eCheck, an automatic fee of $2.49 will be added per payment.\nIf paying using a debit or credit card, a fee of 3.25% of your payment amount will automatically be added per payment.\nYou can easily switch your payment method whenever it suits you (like when you need airline miles for summer vacation).\n3. View your latest credit score and profile. Keeping tabs on your credit is the best way to make sure it’s accurate and moving in the right direction.\n70 S Winooski Ave- #283\nBurlington VT 05401", "domain": "economics"}
+{"url": "https://fpa-mcc.blog.hu/2009/03/22/the_changing_outlook_for_the_lisbon_treaty?token=ac18a52a781b053ad0f5243016fc4b45", "date": "2018-11-21T07:38:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039747369.90/warc/CC-MAIN-20181121072501-20181121094501-00552.warc.gz", "language_score": 0.9626891016960144, "token_count": 1251, "dump": "CC-MAIN-2018-47", "global_id": "webtext-fineweb__CC-MAIN-2018-47__0__140833418", "lang": "en", "text": "BACKGROUND. The Lisbon Treaty provides the framework for reforms in the European Union, which would mean deeper integration in foreign policy and defense issues, institutional changes and tighter cooperation between member states in several other areas. The Irish vote for the Lisbon Treaty is therefore crucial to the future of the EU and even more relevant in the recent financial crisis which already triggered protectionist tendencies in every EU-country.\nIreland was the only EU member-state which decided to hold a referendum to ratify the Treaty. The referendum was voted down on 12 June 2008. There were 53% ‘No’ votes refusing the treaty versus 47% in favor by the participation of 53.1 per cent.\nANALYSIS. The most important reasons for the rejection are believed to be:\n- The political and economic environment:\nOn the one hand, there was a general distrust against politicians, first of all against the government. On 6 May 2008 the Prime Minister (Taoiseach) Bertie Ahern resigned due to a corruption scandal and the new Taoiseach, Brian Cowen came from the same party (Fianna Fáil) and it set back the trust towards politicians just weeks before the referendum. On the other hand, Irish people already perceived the effects of the financial crisis – rising unemployment and slowing down of the economy.\n- The campaign and the public opinion:\nThe Eurobarometer poll which was released on 18 June 2008 showed that there was a general lack of knowledge in the Irish society, respondents did not understand the offerings of the Treaty, and were not well informed about the issues at stake which were believed to be too complex and not so much worth for consideration. Furthermore, Sinn Féin, Libertas, Catholic fundamentalists and neo-conservatives clustered into an effective platform to block the Treaty while the ‘YES’-campaign with the governing parties came too late and showed inconsistency in its message and means.\n- Regarding the substance of the Treaty, its critics opposed vehemently the followings:\nIreland could not maintain its military neutrality in the future according to the tighter cooperation in the CFSP while the country will loose its Irish Commissioner according to changes in the composition of the EU Commission. Besides, the Irish government could not determine the corporate tax rates independently according to changes in taxation issues and meanwhile it should implement some more liberal regulations on social issues like abortion, euthanasia or gay-marriage.\nWith the rejection of the Treaty Ireland blocked EU institutions and the reform process, euroscepticism rose in every country and there are difficulties in the governmental acceptance of the Treaty in other EU countries such as the Czech Republic. On the other hand, however, Ireland created a possibility to renegotiate the ‘exceptions’ within the Treaty, besides it generated a negative attitude toward the country and the government.\nOn the EU Summit in Brussels on 11-12 December 2008 the leaders of the EU made provisions to Ireland about the question of neutrality, social and taxation issues. Besides, there was an agreement about the withdrawal of the changes in the composition of the EU Commission – without the need of re-ratifying the Treaty in every single EU member state where the Lisbon Treaty is already accepted. Ireland promised to set a date for a second referendum before November 2009 since there is an agreement on EU-level that the ratification-process should end before January 2010. There are widespread fears speculating if the process is not concluded before general elections are held in Britain (currently scheduled for 2010), the notoriously eurosceptic British Tories might decline the British participation in the Lisbon Treaty.\nRecent opinion polls show a slightly increase in favor of the Lisbon Treaty: TNS/mrbi & Irish Times 9 February – 60.7 per cent in favor; Sunday Business Post 1 February – 58 per cent in favor, and hence the government is considering a second referendum. It has at least three reasons for that, firstly the Irish society supported the Treaty of Nice in its re-run – so it gives a positive example, secondly the provisions created by the EU make the Treaty much more acceptable for the society and finally, Ireland considers the EU as essential in dealing with the financial crisis. Therefore the government aired the idea of an advanced date for the second referendum, but it is questionable whether the recent situation in Ireland enables an early date.\nThree options are discussed and the decision will depend first of all on the situation of the government – whether it will be able to deal with the financial crisis and create such an environment in which a decision could be made about the referendum as well.\nIn the case of a pre-summer date Ireland could restore its reputation in the international financial and political communities and the recent opinion polls give a chance to a positive result. However, it is less likely to happen, because there is not enough time to explain the Treaty to the people and to hold public debates about the issue – surveys showed that last time lack of appreciation was one of the main reasons for the rejection. Besides opinion polls are very volatile due to the uncertain domestic situation and an occasional rejection would cause a far worse situation to the country and to the EU.\nThere is an existing date for the EU parliamentary elections: 5 June 2009 and there were talks about the possibility to hold the second referendum and the EU parliamentary elections together, however it seems to be the least likely solution due to the possible misleading linkages and there would be higher political risks at stake.\nThe most likely date for the referendum will be in the time period after the EU parliamentary elections and before 31 October 2009 since the factor of uncertainty is significant in the recent months due to the public opinion which is extremely volatile and influenced by the governmental decisions about the restrictions and packages. A positive vote is more possible at a time when public opinion could calm down and there is time for the government to concentrate only on this issue.\nThe re-run of the Lisbon Treaty referendum and a positive outcome is crucial in the continuation of the EU reform process; it could determine the future of the EU and the future of the possible common measures concerning the financial crisis as well, so a carefully selected date for the re-run of the Treaty is as crucial as never before.", "domain": "economics"}
+{"url": "http://upsconnect.com.au/business-details.cfm?companyId=30&companyName=McLachlan-&-Co.", "date": "2024-02-27T00:56:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474669.36/warc/CC-MAIN-20240226225941-20240227015941-00137.warc.gz", "language_score": 0.9384037852287292, "token_count": 319, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__191026115", "lang": "en", "text": "UPSCONNECT - embracing our Unley Primary School community.\nMcLachlan & Co.\nCore Business: Commercial and Residential Mortgage Broking Category: Financial Services\nMcLachlan & Co. is a Commercial and Residential Mortgage Broking practice that can assist you to achieve the best possible outcome for your business or personal finances. We aim to be a trusted advisor and deliver an excellent level of authentic customer service.\nJonathon McLachlan, the founder of McLachlan & Co., has worked in Corporate and Commercial Banking for over 16 years.\nDuring his banking career he worked as a Relationship Director for 3 of the main Australian Commercial Banks in Adelaide, Regional SA and Sydney.\nJonathon has significant experience in a number of different industries, with key expertise in;\n• Professional Practice\n• Manufacturing and Wholesale\n• Building and Construction Services\n• Property Development / Investment\nJonathon has a passion for helping his clients to achieve the best possible outcome for their financing arrangements and likes to maintain close and authentic customer relationships. As a Finance Broker, his aim is to be considered an ongoing resource for guidance and advice for all his clients.\nAddress: 161 Wakefield St, Adelaide, South Australia 5000 Mobile:0438 036 389\nTo build on our strong sense of community, the UPSConnect website has been established to enable those connected to UPS to find, utilise and support businesses linked to the school. It offers families/parents with businesses the chance to list their business, and for other members of the UPS community to access this information.", "domain": "economics"}
+{"url": "https://spokko.com/corporate-information/", "date": "2023-12-11T08:42:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679103810.88/warc/CC-MAIN-20231211080606-20231211110606-00618.warc.gz", "language_score": 0.9225541353225708, "token_count": 288, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__284246985", "lang": "en", "text": "INFORMATION ABOUT THE MERGER\nOn 31 August 2023 the District Court for the Capital City of Warsaw in Warsaw, 14th Commercial Department of the National Court Register, registered the merger between SPOKKO sp. z o.o. with its registered seat in Warsaw (KRS: 0000746503, NIP: 1132981811) (the “Target Company“) and the company CD PROJEKT S.A. with its registered office in Warsaw (KRS: 0000006865, NIP: 7342867148) (the “Surviving Company”).\nThe merger was carried out in accordance with the merger plan published on 20 April 2023, i.e. by transferring the entirety of Target Company assets to the Surviving Company under Art. 492 § 1 item 1 of the Commercial Companies Code (merger by acquisition) in conjunction with Art. 516 § 6 of the Commercial Companies Code. The merger took place without increasing the Surviving Company’s share capital and without exchanging shares of the Target Company for shares of the Surviving Company, due to the fact that the Surviving Company held 100% of the shares in the Target Company.\nAs a result of the merger, the Surviving Company enters into rights and obligations of the Target Company. The registration of the merger has the effect of deleting the Target Company from the register of entrepreneurs.", "domain": "economics"}
+{"url": "https://sask.outgrowoutplay.com/franchise.php", "date": "2024-03-04T04:37:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476413.82/warc/CC-MAIN-20240304033910-20240304063910-00084.warc.gz", "language_score": 0.9553873538970947, "token_count": 3894, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__186692006", "lang": "en", "text": "OutGROW OutPLAY FRANCHISE SYSTEMS\nA PROUD 100% HOMEGROWN CANADIAN COMPANY IN A RAPIDLY GROWING GENTLY-USED INDUSTRY!\nWelcome to the wonderful world of OutGROW OutPLAY! We have the distinction of being the Nation’s Leading Children’s Consignment Sale Event™ franchise. Today’s Moms are more savvy and astute than ever! They want their hard earned dollars to go farther without compromising on the quality they demand. They are choosing to do business with brands that stand for more than just selling products/services - brands that are socially and environmentally responsible with a passion for bettering the world just like them. They are looking for a brand like OutGROW OutPLAY!\nRESALE OR RETAIL? CAN YOU SPOT THE DIFFERENCE? PROBABLY NOT!\nThe only difference between buying brand new vs buying gently-used children’s items is a much lower price. Gently-used items offer the same great quality as new but at a fraction of retail making it the smart option for savvy parents! Our event sales are organized, categorized and the hottest ticket in town because they only “pop-up” a few times a year - parents love the thrill of getting a great deal. With an incredible upscale selection of children's items like clothing, toys, baby gear, books, furniture, electronics and so much more, shopping is fun, exciting and most importantly... affordable.\nWHAT IS OutGROW OutPLAY?\nSAVVY MOMS UNITE - OutGROW OutPLAY IS YOUR sale!\nAll of our success and growth we’ve had to-date is a direct result of our customers! Our Consignors, Shoppers and Volunteers have taken ownership of every sale through participation, great feedback, and most flattering...they continue to spread the word telling their friends/family how much they ♥ our sales!\nSimply put, we are a group of Parent-Preneurs who are passionate about helping families within our communities to recycle all the gently-used items children OutGROW and OutPLAY seasonally. An awesome bonus is that they make money - and save a lot of money - by going green. Our Franchise Partners are the quarterbacks of the team, leading our army of Moms to tremendous savings each and every event. They coordinate and hold at least two “pop-up” MEGA children’s consignment sale events annually: one in Spring/Summer and another in Fall/Winter.\nSELLERS: Parents who want to recycle and sell their gently-used children’s clothing, toys and gear, register as a Consignor on our website. They log in to Consignors Corner™ where they manage their merchandise: they learn how to consign, prepare/price and enter their items into our inventory, book a drop-off time, volunteer for a shift (if they want!), and view detailed schedules, earnings and sold/unsold items reports. Consignors drop off their items before our sale starts, where we check it for quality and then sell it for them. Sellers earn 60% to 75% of what their items sell for, and their cheque is ready within 5 business days. Easy peasy!\nBUYERS: Parents, grandparents, aunts/uncles, daycare providers and teachers looking to save substantially on their children’s clothing, toys and gear, line-up to shop our highly anticipated sales - knowing that they will save 50%-90% off retail and reduce their carbon footprints a considerable amount.\nOGOP: Our Franchise Partners provide a valuable, sustainable solution to parents, and earn a nice margin and generate revenue the following ways:\n- 25% to 40% on every item sold\n- Consignor registration fees\n- Friday Night Prime Time Pre-Sale EXTRAVAGANZA passes\n- Business vendors\n- Consigning our own gently-used items\n- OGOP Direct\n- Selection of new company merchandise\nAs Franchise Owners, we also get first crack at the cat (5 minutes after our 4 shift volunteers shop!), which means we also save big on everything our kids need each season!\n“Our unique pop-up consignment sale concept is on trend and makes us a one of a kind seasonal work-from-home franchise!” says Casandra Robinson, co-founder and CEO of OutGROW OutPLAY. “With a low franchise fee starting at just $9,799, our business is crazy affordable for anyone who has a dream to run their own family business!”\nOur opportunity is an absolute fit for both working Moms and stay at home Moms alike, because our business is easy-to-manage and flexible, fitting around your hectic schedule. This allows you to ALWAYS put what's important first: your family!\nYou can choose to start out with a single-unit franchise which provides an excellent option to generate supplemental (working the business part-time) or full-time income. We need to note that we believe strongly in the old school principle, “You Get Back What You Put In”. ALL revenue potential is directly related to a Franchise Partners efforts - especially during the startup phase. If you are looking to maximize your investment, change your life pace (exit the rat race), and run your own full-time family-oriented business, a mutli-unit franchise may be the opportunity you’ve been searching for.\nBusiness is booming, and OGOP is on it’s way to becoming a nationally recognized brand. Join our team of savvy Moms and start growing and playing in our eco-friendly sandbox today!\nWe absolutely ♥ helping families Sell, Shop and Save™. As a parent, we know and you do too (first hand!), that newborn to age six, children OutGROW the majority of their items before the “new” even wears off. Savvy Moms know that buying like-new children’s items offers them substantial savings of 50-90% off retail. Being thrifty and saving your family’s hard-earned money is not a trend - it is being embraced by budget conscious parents coast-to-coast!\nHOTTEST NEW FRANCHISE SYSTEM IN CANADA!\nSince 2008, OutGROW OutPLAY has been helping families take back their space by recycling and selling all the items children OutGROW and OutPLAY each season. The need for affordable children’s clothing and toys is why we’ve been able to grow from our first sale in Nepean ($16k), to $1.4 million in company revenue in 2015. Season over season (we compare apples to apples) sales have increased, and 15 sales later our Nepean location alone grossed over $250,000 in 2015. Not bad for only two sales a year! Our ability to listen to our customers, evolve our business, and meet the demands of savvy families wanting to buy and or sell their children’s clothing and gear, positions us as one of the hottest new franchise systems in the country!\nMoms telling Moms, and Moms wanting to bring us to their community, was why we started expanding and offering franchises in 2011. Today OGOP is in 4 provinces with 11 OGOP sale events in Nepean, Kanata, Orleans, Saskatoon, Halifax, Mississauga, Oshawa, Barrie, Kitchener/Waterloo, Scarborough, Vaughan and Kelowna. We are super excited to be able to help you start your own OGOP sale!\nWe believe that every community (big and small) from Vancouver Island to Newfoundland needs an OutGROW OutPLAY children's consignment sale! Our concept is new and exciting! Instead of using the \"traditional franchising\" model, we have made it extremely affordable and simple for you to own your own business and get started.\n“OutGROW OutPLAY has grown organically because of the positive buzz Moms are generating via old school word-of-mouth. The excitement you see from someone who walks through our doors for the first time... is incredible!” says Cas. “It’s like a switch was flicked and they are hooked. The most astonishing aspect of our business is that the majority of our first time shoppers and consignors discover us because a friend told them about their fun OGOP experience and how much money they made and saved. Moms love OGOP and we love them too because OGOP is THEIR sale!”\nOutGROW OutPLAY IS A RECESSION PROOF BUSINESS THAT THRIVES IN GOOD + TOUGH TIMES TOO!\nHOW BIG IS THE OGOP OPPORTUNITY?\nIt’s pretty BIG! Canadian parents spend an enormous amount of money providing all the extras their children want and need. On average, parents spend $785 (add 11% more if you’ve girls!) on clothing per child over two. Tack on another $515 if you’ve children under two for a whopping total of $1,300 a year. This doesn’t even include baby gear, toys, books, sports equipment, furniture and so much more!\nTimes are tough for Canadian families with the average household owing $1.64 (as of Jan 2016, Financial Post) for every dollar earned. In 2015 alone, Canadians spent $34 billion on second hand durables! According to MoneySense.ca, the average cost of raising a child to age 18 is a whopping $243,660. Break down that number, and that's $12,825 per child, per year -- or $1,070 per month - and that's before you send them off to university!\nAt over $200 billion annually, the global children’s market is bigger than the fast food industry and rapidly growing. Broken down, the baby care product market was worth 44.7 billion U.S. dollars in 2011 and is expected to increase total sales to 66.8 billion U.S. dollars by 2017, while the children's wear market is estimated to hit a value of US $173.6 billion by 2017. Right now a huge shift is happening, and buying gently-used children’s items is no longer taboo. Parents are looking for ways to save money without compromising quality.\n“I believe our brand is growing because of our people, our smooth and easy process and all the amazing items our sellers consign! Consignors, shoppers and volunteers are vested in an event’s success, and they pour their heart and soul into each one.” says Cas. “Parents connect with our business because they save oodles of money without compromising quality. It makes you feel incredibly good to save a bundle, all the while knowing that they are actually making a positive and measurable environmental difference.” Check out our SUSTAINABILITY page to find exactly what OutGROW OutPLAY is doing and how we, together with our customers, are making a huge difference!\nA quick glance at any facebook parenting, or buy/sell group, and you’ll be bombarded with Moms trying to sell children’s clothing, toys and gear. Right now on Kijiji there is over 150k children’s items posted for sale by their owners. In Ontario alone, 96,000 parents are re-selling children’s items daily! Every year a child outgrows more than $1,000 worth of toys, clothing and equipment. That translates into a whole lot of parents who need quality children’s products at affordable prices. This represents a TREMENDOUS growth opportunity for OutGROW OutPLAY Franchise Partners!\nOutGROW OutPLAY is a simple solution to recycling and reselling all the gently-used items your kids OutGROW and OutPLAY each season!\nARE YOU A PART OF THE ECO-REVOLUTION YET?\nToday's Millennial Moms are on a mission: they are savvy, socially smart, and eager to make a difference in the world. All Moms want the best for their children, and a better future to grow up in ranks at the top of their list. Since day one, OutGROW OutPLAY has been committed to supporting families by having a positive, sustainable, social and environmental impact within our communities!\n- 100,000+ items change hands annually at OutGROW OutPLAY sales - with minimal packing and waste.\nOutGROW OutPLAY shoppers have donated over 75,000 lbs of non-perishable food items for local food banks.\n- 60,000+ children’s items - representing over $300,000 - have been donated to families in need.\n- 92% of Millennial Moms want to buy products and services that support charities or bigger causes (exponential.com).\nFrom collecting non-perishable food items to donating unsold items to families in need, to the profound environmental impact our business is making, OGOP is earning parents’ trust, one family at a time, province by province. We are a grassroots kind of company and we are building our business right!\nCreating a win/win in every community we are proud to serve comes naturally to us. Bottom line is that parents feel good selling, shopping and saving a bundle with us.\nTHE SURVEY SAYS...\n- Volunteer Shifts: 85% filled by our Consignors and 15% by non-consignors (people who want to shop sooner)\n- 66% of Consignors have consigned with OGOP over 6 times (3 years)\nConsignors who have sold items at more than one sale: 82%\n- 70% ... the average amount of inventory sold per Consignor\n- When asked, “What OGOP can do better?”, 95% of shoppers say “Have more sales” and 62% of Consignors say “Have a Women’s Sale”\n- Consignors who shop OGOP’s Pre-Sale EXTRAVAGANZA: 81%\n- 92% of shoppers said they ♥ OGOP, will continue shopping our sales and can’t wait for the next one\n- 97% of 1st Time Parents that shop our sale say they will absolutely consign with OGOP when their children OutGROW and OutPLAY their items\n- Who will tell their friends about OGOP? 98% of all OGOP customers... that’s who!\nWHAT OUR CUSTOMERS ARE SAYING\nSonia G, ON: “I wanted to thank you for all the hard work you guys do to help us moms recycle our baby products. You guys are amazing and I'm proud to be one of your volunteers. I wanted to make sure you know how appreciated you are. Thank you! Can't wait till the fall sales!!”\nDana D, ON: “I just wanted to take a moment to thank you, as well as everyone else involved, for all your hard work and countless hours of preparation/execution/follow-up with these events. I remain impressed by the entire organization and all that it achieves. I was lucky that my first experience was rewarding up until the very end. Though my heart sank for some consignors who were clearly disappointed with their sales (newbies over pricing), I commend you on your continued level of respect, support and professionalism every step throughout. I have learned a lot from this process and hope to continue being part of the OGOP community in the future.”\nTammy M, ON: “Do you by chance know the dates for the Kanata sale in sept yet? Trying to book a family trip but don't want to miss that weekend!”\nSherry, SK: “Thank you all so much for the opportunity to consign with you. Most of my items sold and feel I received a better profit than if I had sold at home on my front lawn. I enjoy shopping at your sales and look forward to more shopping and consigning in the years to come! Thanks again so much.”\nGina d’E, ON: “Love your sales! Any plans to ever hold one in the summer, early July let’s say? I miss them now since I moved to New York and would love to catch one!“\nJoanne R, ON: “Thanks very much for everything! This was the first time that I had items in the sale and the opportunity to volunteer. I couldn't believe how organized everything was and how well everything was organized! Thanks very much! I will be doing the spring sale as well!”\nPaula D, ON: “This was my first time participating in the sale as a consignor. I can't tell you how great an experience it was for me. I love how organized and structured everything was. I will certainly take part again as my little one grows out of stuff.”\nRon G, ON: “Thank you for allowing NMHA Minor Bantam B Team White to participate in the recent OutGrow OutPlay children's sale at the Ben Franklin Dome. The boys enjoyed assisting shoppers to their cars with purchased goods. The tips received as well as your sharing proceeds with us will assist in reducing our costs this year. It was a positive experience. All the best in your future ventures!”\nWHAT DOES IT COST TO BUY AN OutGROW OutPLAY FRANCHISE?\nOutGROW OutPLAY’s franchise fee is minimal compared to the average Canadian franchise fees of $25,000 and up, royalties of 6% to 10%, and six figure start-up costs. It would cost you more to try and start your own sale from scratch - we know because we've been there and done it!\nWith the flexibility of two sales a year and our easy-to-manage systems, our franchise is sure to fit your lifestyle and schedule. You can choose to work the business part-time creating supplemental income, or you can go for it and make your dream career path being your own boss - your level of involvement will dictate your pay cheque :)\n- Liquid Capital Required - $20,000 to $25,000\n- Net Worth Required - $34,000 to $38,000\n- Training and Support - Absolutely Included!\n- Franchise Fee - $7,799 to $9,799\n- Royalties - 5% of total revenue. Just like everything in life...gvt taxes are extra\n- Startup Investment (everything you need to launch your business) is $8,500 to $19,000", "domain": "economics"}
+{"url": "http://www.gemresources.org/reports/archives/2002-annual-report/", "date": "2018-01-17T13:02:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084886939.10/warc/CC-MAIN-20180117122304-20180117142304-00583.warc.gz", "language_score": 0.9353116750717163, "token_count": 515, "dump": "CC-MAIN-2018-05", "global_id": "webtext-fineweb__CC-MAIN-2018-05__0__193236043", "lang": "en", "text": "It is GEM’s mission to assist with medical and educational projects in developing countries. During 2002 GEM was able to provide the following educational and medical assistance:\n- Funded six (6) cleft lip/palate reconstruction surgeries.\n- Funded forty eight (48) outreach medical clinics which treated approximately 1,000 patients.\n- Provided medical coverage for approximately 200 destitute patients who could not pay any or all of their hospital costs.\n- Provided financial assistance to send a triple amputee to Australia for prostheses fitting and training.\n- Assisted in getting $15,000 for Scheer Memorial Hospital’s medical equipment.\n- Paid the salaries of six (6) instructors.\n- Provide twenty (20) $600 scholarships.\nWe wish to thank everyone who had a part in helping GEM financially last year. All funds sent to GEM go to fund projects and no donations are used for administrative expenses.\nFor 2003 we would like to continue with the projects we supported last year and add two others; namely; support for orphans and support for Women’s Empowerment through literacy and vocational training. Due to the civil unrest/terrorism in Nepal there is a growing number of orphans who need our help. In Nepal there is an organization that cares for battered women and their children. GEM would like to start a literacy/vocational training program for these women and a schooling assistance program for their children.\nFollowing is how your donations can help:\n- $300 or a pledge of $25/month will cover the cost of the Outreach Clinic program for one month (16 clinics).\n- $360 or a pledge of $30/month will cover the cost of one cleft lip/palate surgery.\n- $420 or a pledge of $35/month will cover the cost of the Women’s Empowerment project for one month.\n- $600 or a pledge of $50/month will provide a scholarship for a nursing student.\n- $600 or a pledge of $50/month will cover the cost of the Medical Assistance program for one month (approximately 20 patients).\n- $720 or a pledge of $60/month will provide an orphan’s food, housing, clothing, medical expenses and schooling for one year.\nAny financial assistance you can give toward GEM’s 2003 projects is greatly appreciated. If we receive more funds than needed for one particular project, the excess funds are applied toward other projects.", "domain": "economics"}
+{"url": "http://redwoodpreschool.org.uk/new-bank-account/", "date": "2019-05-26T13:27:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232259177.93/warc/CC-MAIN-20190526125236-20190526151236-00459.warc.gz", "language_score": 0.8768517971038818, "token_count": 149, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__50399622", "lang": "en", "text": "New bank account\nDear Parents and Carers\nI am writing to inform you that we are in the process of closing our current account with Lloyds TSB Bank.\nAll payments to Redwood Pre-School must be made to the following account:\n|Account name:||Redwood Pre-School|\nPlease update your online banking records accordingly and without delay.\nWe will notify the childcare voucher providers who we are registered with.\nOur new bank account is with CAF Bank (Charities Aid Foundation), a bank which offers a full banking service exclusively to charities and includes dual authorisation for online banking, interest on current and savings accounts and has no bank charges or account maintenance fees.\nThank you for your cooperation.", "domain": "economics"}
+{"url": "https://www.baulch.com.au/", "date": "2022-08-12T23:11:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882571847.45/warc/CC-MAIN-20220812230927-20220813020927-00770.warc.gz", "language_score": 0.9243752360343933, "token_count": 156, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__19285768", "lang": "en", "text": "The Baulch Group is a diversified Australian family business with a focus on innovation and sustainability in the Renewable Energy, Public Transport and Sustainable Food Sectors.\nMoonies Hill Energy is an integrated renewable energy developer and asset manager with a proven track record of viable renewable energy projects since 2008.\nThe Sunshine Coast’s first urban mushroom farm, producing locally grown, chemical free, sustainable gourmet oyster mushrooms.\nEmerald Coaches provides passenger transport services to the school, route, mining and charter markets throughout the greater Emerald area, the Bowen Basin, Mackay and regional Queensland.\nH2 Energy is committed to a hydrogen economy in which hydrogen produced with zero carbon emissions using a renewable source of energy is fully integrated and utilized to enhance our daily activities.", "domain": "economics"}
+{"url": "https://jaysidhutransportltd.com/scaling/", "date": "2021-06-15T07:43:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487617599.15/warc/CC-MAIN-20210615053457-20210615083457-00552.warc.gz", "language_score": 0.9638625979423523, "token_count": 457, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__112820659", "lang": "en", "text": "Weight Truck Scale Edmonton is a very useful tool that helps to know exactly how much a truck weighs in very accurate ways. Our truck scales are engineered and designed to withstand the heaviest of trucks that have materials required for stock piling. No matter what the weight or load of the truck may be, these scales will give the most dependable measurements that go a long way to ensure the efficiency of the stock piling. Our truck scales are designed out of materials that are robust and durable. They could be made out of concrete or steel, pit mounted or surface mounted, and adheres to the highest quality and performance standards of the world.\nOur Weight Truck Scale Edmonton enables trucks to be weighed before they go for stock piling and after they are stockpiled. Even if trucks are overweight with the load, the scales are strong enough to support and withstand the pressure. It is important for trucks to get weighed before and after stockpiling due to the government restrictions on the amount or weight of material that can be hauled by trucks on the highways. This could depend on the weight per axle or even weight per vehicle. In order to keep within the right side of the law, it is in the interest of truck owners to get their trucks weighed on the scale after stockpiling. This ensures that the trucks are not over the stipulated weight by the government.\nFollowing the government regulations are now easily done with Weight Truck Scale Edmonton. There are also significant benefits for private owners of quarries and other sites where trucks are filled for stockpiling. The sooner a truck is loaded, weighed, and ticketed out of the truck scale, the better it is for customers who are saving on time and money. But the more time the truck waits to get loaded and weighed at the truck scale, the more time and money is wasted for the customer, leading to delay in projects.\nThat is why we at Jay Sidhu Transports Pvt. Ltd. have designed a state-of-the-art weight scale that will have trucks weighed and out of the site in a very short duration of time. This reduces the loading cycle and maximizes the profits of customers who need to get their materials on time. Newer scales also have the latest technology features that further help to save time and money for customers.", "domain": "economics"}
+{"url": "http://www.redbridgehealthcare.org/", "date": "2016-09-30T16:48:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-40/segments/1474738662321.82/warc/CC-MAIN-20160924173742-00134-ip-10-143-35-109.ec2.internal.warc.gz", "language_score": 0.9376303553581238, "token_count": 196, "dump": "CC-MAIN-2016-40", "global_id": "webtext-fineweb__CC-MAIN-2016-40__0__144543035", "lang": "en", "text": "REDBRIDGE HEALTHCARE INVESTMENTS & PROJECTS LIMITED, also known as Redbridge Healthcare Group, is a family of businesses established in Nigeria with a focus on elevating the overall experience of healthcare in the frontier and emerging markets of Africa through:\n- Creating innovative solutions that address extant challenges\n- Investing in latent opportunities for future growth\n- Supporting the healthcare value chain with requisite knowledge and skills\nThe business energy of the group is channeled towards the same industry but different markets; same goal but different approach; same key proposition but different solutions:\nUsing effective and affordable interventions, our businesses and solutions are ultimately geared towards achieving the Sustainable Development Goals (SDGs) pertaining to health.\nWe strongly believe that solving the healthcare challenges faced today in Africa will only happen through inclusive partnership efforts. Our business is therefore critically dependent on the motivation and willingness of partners around the world to provide the technology and platforms that give vibrant life to our ideas.", "domain": "economics"}
+{"url": "https://pfeld.com/collections/accessories/products/gift-card", "date": "2019-06-25T06:02:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627999800.5/warc/CC-MAIN-20190625051950-20190625073950-00208.warc.gz", "language_score": 0.850666880607605, "token_count": 154, "dump": "CC-MAIN-2019-26", "global_id": "webtext-fineweb__CC-MAIN-2019-26__0__102029043", "lang": "en", "text": "Gift Card — $25\nThe perfect gift for those out there who want a little bit of everything! Available in various amounts to accommodate all shopping preferences.\nTerms and Conditions\n- 1. This gift voucher can be redeemed to purchase Pfeld products only online, at pfeld.com. Unfortunately they cannot be redeemed in our Preferred Retailers at the moment.\n- Pfeld gift vouchers cannot be used to purchase additional Pfeld gift vouchers.\n- Gift vouchers can not be redeemed in part at this time.\n- Gift vouchers must be redeemed within twelve months of purchase.\n- If the order value is greater than the value of the gift voucher, the difference must be paid by credit, card, debit card, or by using Paypal.", "domain": "economics"}
+{"url": "https://growthpolicy.org/featured/ed-glaeser-on-the-future-of-employment-inequality-poverty-and-joblessness-in-america", "date": "2019-02-20T19:17:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247496080.57/warc/CC-MAIN-20190220190527-20190220212527-00624.warc.gz", "language_score": 0.959998607635498, "token_count": 2247, "dump": "CC-MAIN-2019-09", "global_id": "webtext-fineweb__CC-MAIN-2019-09__0__114409540", "lang": "en", "text": "Ed Glaeser on the Future of Employment, Inequality, Poverty, and Joblessness in America\nJuly 2018. GrowthPolicy’s Devjani Roy interviewed Ed Glaeser, the Fred and Eleanor Glimp Professor of Economics at Harvard University, on the future of employment, inequality, poverty, and joblessness in America. | Click here for more interviews like this one.\nGrowthpolicy.org. Where will the jobs of the future come from?\nEd Glaeser: Over the past sixty years, the U.S. has experienced an enormous shift from manufacturing employment to services. Europe has also followed along that trajectory. At the same time, decreasing transportation costs and an increasingly connected global economy has enabled East Asian economies, like China, to increase their manufacturing employment, but I suspect that in the medium term, machines will replace humans in Chinese industry as well.\nThese facts suggest that the world is looking at a future of employment largely in the service economy, especially for less-educated workers, but there are some big questions about this process. Most notably, will there be enough service jobs that can be done at a distance from the rich and skilled, or will unskilled workers need to live near skilled workers to find service jobs? Some service jobs can be done by phone or Skype, but many rely upon face-to-face connection.\nIn the U.S., this question is particularly important because it relates to the economic future of the poorer parts of America. There are good service jobs in San Francisco, but not in West Virginia. If long-distance service jobs are rare, then either the less skilled will need to move to San Francisco, which is hard given restrictions on housing construction, or the wealthy will need to move to West Virginia, which seems unlikely.\nThese same issues show up when we think about sub-Saharan Africa. It is possible that Africa will never be able to compete in manufacturing. Its low labor costs may just not be important enough as mechanization continues to proceed. If that is so, then Africa must find its own path towards prosperity through services, but that is terra incognita. Certainly, though that path is only imaginable in urban areas, which makes the urbanization of Africa particularly crucial.\nGrowthpolicy.org. What should we do about income inequality?\nEd Glaeser: I worry much less about income inequality than many of my colleagues. I worry about poverty. I worry particularly about the rising tide of joblessness in America. I think we should tax the rich more, not because it is bad that they are rich, but because we can use the money to fund pre-schools and employment subsidies.\nI have a strong view that the policy discussion has overemphasized income inequality relative to joblessness in the U.S., and that overemphasis reflects a misunderstanding of what matters most in life. When we look at happiness data, or data on suicide, joblessness just looks far worse than earning even significantly less money. As an economist, I firmly believe that more money is preferred to less, but it is not a substitute for a sense of purpose, a sense of achievement, or the social connections that are often tied to the workplace.\nIn many cases, promoting employment and promoting equality are both sides of the same coin. Investing in education for less-privileged children achieves both aims. Promoting job creation with employment subsidies in lower-income areas should reduce both inequality and promote employment.\nBut policies that make it less attractive to hire new workers, such as higher minimum wages or more employer-based benefit mandates, may increase equality and decrease employment simultaneously, as the recent work of Jeff Clemens suggests. We need to be extremely careful about any policies that make it less attractive to hire marginal workers.\nGrowthpolicy.org. Your most-recent New York Times op-ed (with Professor Lawrence Summers and Ben Austin) and your Brookings paper have both received considerable press mileage. I want to point our attention to one particular passage in the op-ed which has some stark statistics: “In Flint, Mich., over 35 percent of prime-aged men — between 25 and 54 — are not employed. In Charleston, W.Va., the joblessness rate for this group is 25 percent.” I have two follow-up questions: Why do we need to focus on the topic of male joblessness as opposed to, say, that of both men and women in the work force combined? Second, I’m curious about lexicon: why “joblessness” instead of “unemployment,” or should we understand these as separate issues for economists, with different implications?\nEd Glaeser: The two questions are linked. We use the words joblessness and non-employment interchangeably, meaning not having a formal employer or being self-employed. These words are different from unemployment, because unemployment also means that you are actively looking for a job. Unemployment in this country is quite low, but joblessness is still high among men, because so many prime-aged men have left the labor force entirely. They have given up hope or gone on disability. Ignoring the population that has left the labor force means that we are ignoring one of the most problematic aspects in American society today.\nIf we were comparing unemployed men and women, then gender doesn’t loom so large. The two groups are both out of a job and eager to get one. But women and men often leave the labor force for different reasons; consequently, female non-employment is just trickier.\nFor most of the last 75 years, female employment-to-population ratios have increased steadily as women have entered the labor market. There has been some decrease in that ratio since the peak about twenty years ago. In some cases, female non-employment is quite similar to male non-employment and in that case, it deserves exactly the same policy attention. In other cases, female non-employment is quite different and reflects a relatively voluntary decision to be productive in the home.\nThe geography of female non-employment is quite different. Rates of female employment follow a north-south division. Rates of male non-employment are highest in the eastern heartland which starts in Louisiana and Mississippi, runs through Appalachia and then ends in the Rust Belt.\nWhen female non-employment occurs for the same reasons and has the same outcomes as male non-employment, it is just as problematic and needs the same attention. When women leave the labor force for family-related reasons, there are also profound policy concerns, such as whether employers are providing appropriate levels of work flexibility. Those issues are also worthy of attention, but they are somewhat different from the issues that surround long-term male joblessness in the eastern American heartland.\nGrowthpolicy.org. Your essay “The War on Work—and How to End It” depicts such a heartbreakingly poignant picture of joblessness in America it reminds the reader of James Agee’s Let Us Now Praise Famous Men and John Steinbeck’s The Grapes of Wrath. I was struck by your argument that “American entrepreneurs can solve our joblessness crisis only if the U.S. stops incentivizing joblessness” and that “every underemployed American represents a failure of entrepreneurial imagination.” What policy measures, both immediate and over the long term, do you believe would get us out of the morass of the present situation?\nEd Glaeser: I think that the most important step is to start subsidizing employment, especially in America’s most distressed regions. This can be done with a wage subsidy that goes directly to workers, effectively increasing the minimum wage without putting a burden on workers. Alternatively, the money can be paid directly to employers and workers may not see their wages increase so much. Columbia economist Ned Phelps deserves the most credit for pushing the general idea of a wage subsidy. I think that there is at least some case for making such a subsidy larger in regions where joblessness is more prevalent.\nA similar policy would be to reduce or eliminate the payroll tax for America’s poorest workers, which was done temporarily after the onset of the Great Recession. This would also effectively reduce the payments that firms need to make and increase what workers take home. Again, the goal is to make it more attractive for firms to create jobs and for workers to come to those jobs.\nA third lever is to focus on other barriers to entrepreneurship. We regulate the entrepreneurship of rich people in this country much more lightly than we regulate the entrepreneurship of poor people. It is much easier to start your internet phenomenon in a Harvard dorm room than to open a grocery store in Dorchester. We need to make it easier for those people who would create jobs in the urban service economy to get the permits they need.\nFinally, education remains extremely important. We need better vocational training in the U.S. I tend to support vocation programs that wrap around traditional schooling, over summers and on weekends and after school. These skills can be provided by independent entities, including labor unions, professional educators, and private companies. The skills they provide can be readily evaluated at the time of graduation and payment can be made contingent on performance.\nGrowthpolicy.org. You have written some landmark research papers in the field of urban economics. What are some policy interventions or workable legislation you would like to see related to housing supply and housing regulations?\nEd Glaeser: As you clearly know, I am passionate about over-restriction of new construction in the wealthier parts of the U.S. It will be much easier for poorer Americans to find a future in the service economy if they live near richer Americans. It will be much easier for them to live near rich Americans if there is more housing built in richer metropolitan areas.\nThere are two plausible reforms. First, within big cities there is already some momentum to allow more construction. I know that Mayor Walsh and BPDA Chief Brian Golden want to create more affordable housing for ordinary Bostonians. The main need is to have a city-wide zoning plan that allows significant densification AS OF RIGHT. If we can avoid a seven-year permitting battle for every project, this will make things much easier.\nIn the suburbs, there is no appetite for much up-zoning, and so the question is how to create more of an appetite. There are two main possible paths. Following Massachusetts Chapter 40B, the state can just override local zoning. In think that this may make some sense close to state-provided public transportation, where densification is particularly natural. Following Massachusetts Chapters 40R and 40S, the state can also essentially bribe NIMBYist communities to build. My preferred strategy would be to levy from rich communities that don’t build and transfer resources to poorer communities that do build. As in many cases, promoting affordability through increased supply can be both progressive and libertarian.", "domain": "economics"}
+{"url": "http://www.ivybusinesscentre.co.uk/", "date": "2015-07-03T07:52:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-27/segments/1435375095806.49/warc/CC-MAIN-20150627031815-00072-ip-10-179-60-89.ec2.internal.warc.gz", "language_score": 0.9057921171188354, "token_count": 485, "dump": "CC-MAIN-2015-27", "global_id": "webtext-fineweb__CC-MAIN-2015-27__0__72934955", "lang": "en", "text": "Ivy Business Centre is a large multi-occupancy business on the outskirts of Manchester comprising of 116,000sq ft of mixed office and storage space on a 4 acre site. Located off junction 22 of the Manchester orbital motorway M60, onto the A62 towards Manchester City centre.\nWhat can Ivy Business Centre offer you:\nOffices which can be customised to suit client’s needs.\nEasy motorway access\nHigh Security CCTV systems\nLow monthly fees\nFlexible contracts 3-6 or 12 Months\nDedicated management team on site\nSpaces from 100 Sq Ft up to 25,000 Sq Ft\nWe offer high quality, affordable serviced office accommodation and business suites. Giving businesses the flexible, environment and business services they deserve, to compete in today’s business office market.\nOur devoted business management team will take care of you - while you take care of business.\nOur conference facilities, meeting rooms, and business suites are also available to hire for your convenience.\nIvy Business Centre is home to a vibrant business community where clients can mix in a comfortable business environment.\nHere are just a few bespoke services that Ivy Business Centre has to offer:\nFREE Car parking for all business centre companies and guests for up to 200+ cars\nEnjoy coffee & snacks in our in-house cafeteria\nVirtual office and PA call answering services\nBusiness hub & networking facilities\nBusiness printing, photocopying & mailing services\nIvy Business Centre has a strong reputation of providing a professional and personal service of the highest standard.\nIvy Business Centre is an independent, owner-managed business centre, with over 10 years of experience in business centre & office space rental.Terms & conditionsPlease review our terms and conditions by clicking here.\nGet in Touch\n“Building the business lifestyle that you want” – Vision statement.\nIvy Business Centre Manchester operates 150,000 sq ft of work space across Manchester. Our primary products are serviced offices Manchester, warehouse/manufacturing & storage located within our business centres throughout the area.\nWe deliver serviced office space in Manchester superbly. Our ethos always has and always will be about providing excellent value for money, and this is why we supply ‘all-inclusive office products’ packaging both serviced office space, IT & Telecommunications into one low monthly bill.", "domain": "economics"}
+{"url": "http://www.nccsc.net/essays/price-everything-value-nothing", "date": "2019-02-21T20:37:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247508363.74/warc/CC-MAIN-20190221193026-20190221215026-00586.warc.gz", "language_score": 0.9524688720703125, "token_count": 6322, "dump": "CC-MAIN-2019-09", "global_id": "webtext-fineweb__CC-MAIN-2019-09__0__48815786", "lang": "en", "text": "The Price of Everything, the Value of Nothing\nThe quotation in my title is, of course, from Oscar Wilde. As an aesthete who believed in art for art’s sake, he drew a sharp line between the values of artists and the values of those who must sell, buy, work for hire or profit from business.\nCertainly, the money view of things by itself cannot replace our aesthetic, moral or rational conscience, at least not as presently understood. But to attempt to cut off art, ethical values, and the pursuit of truth altogether from the market may be as harmful as to judge everything by its market price. We shall be living with more or less free markets for the foreseeable future. What we need is a human economics, a kind of understanding of the market that includes the moral, spiritual, veridical and aesthetic relationships among persons and things. It is clear that we should revise the mechanistic notion of economics that we have inherited from the last few generations of our troubled recent history. Must we find a new language for it?\nThe answer, surprisingly, is no. And this is where I begin, with Shakespeare, and what I regard as the sanest and most helpful view of money and its relation to literature, the arts, ethics and human flourishing in general. In plays like The Merchant of Venice Henry IV 1 2, Lear and The Winter’s Tale and in the Sonnets, Shakespeare shows us that buried within our existing language of finance and business are the living meanings that we seek. Such words as bond, trust, goods, save, equity, value, mean, redeem, redemption, forgive, dear, obligation, interest, debt, honor, company, balance, credit, worth, due, duty, thrift, use, will, partner, deed, fair, owe, ought, treasure, sacrifice, risk, fortune, venture, and grace preserve within them the patterns of action, qualities, abstract entities and social emotions that are found in the reciprocal gift exchange system of our personal relationships. Indeed, these words, whose meanings are inseparable from their economic content, make up a large fraction of our most fundamental vocabulary of values.\nThe core questions of economics are: what is value, and how it is created? These are mysterious questions, not accessible to the mathematical methods of the academic discipline of economics, which deals admirably with how “utility”—the technical term for value—is exchanged, stored, communicated, regulated and gauged, but which remains prudently silent on the nature and origin of “utility” itself.\nPerhaps poets, storytellers and artists can tell us more than economists can about what value is in itself. Poets must be always exploring the subtle chemistry of the meaning of words, and the old and new ways in which human beings come to desire and cherish that meaning. Poets spend their lives making value out of combinations of words that have no economic worth in themselves, being common property, infinitely reproducible and devoid of rarity value. Musicians and composers do the same with economically valueless bits of sound; painters do it with bits of ground-up earth mixed with water or oil or plastic and stuck to rough cloth; sculptors do it with big chunks of rock. William Shakespeare, for instance, became one of the richest commoners in England—a media tycoon of his day—essentially by combining words in such a way as to persuade people to pay good money for them. Where poets and artists blaze the trail, economists and business people follow, usually without knowing who made the path in the first place.\nShakespeare made us conceive an economy as like a theater company, a troupe of actors, whose interactions generate the plot of the play. He taught us practically how life with others is not necessarily a zero-sum game but an arena where all may profit and competition increases the payoffs for everyone. No playwright saw better than Shakespeare the inner economy of a play, the way that value is created collectively and the deep analogy to the economics of a human community. All the world’s a stage.\nShakespeare’s core insight is that human-created value is not essentially different from natural value. The market is a garden. The value that is added by manufacture, and the reflection of that value in profit and interest, are but a continuation of nature’s own process of growth and development. The creative processes that produce a wild flower, a domesticated animal like a dog or horse, a yeasty loaf of bread, a violin, a house, a clock and a poem are not in Shakespeare’s opinion fundamentally different. They are all nature naturing, giving birth to new and more valuable forms of existence by recombining old ones. And if it is natural for value to increase, then it is also natural for the symbolic store of that value, money, to increase by compound interest. In this, Shakespeare was defying the traditional doctrines of all three of the major religions of his world, that making money breed was wrong. Shakespeare proposes a kind of gardening economics, a technique of growing value rather than extracting and exploiting existing stores of it embodied in raw materials such as topsoil, ores and fossil fuels, or in the youthful strength of the laborer.\nFor Shakespeare, economic exchange is the embodiment of human moral relations. He does not make a strict distinction between personal rights and property rights. For him, personal love cannot be divided from the bonds of property and service that embody it. “I love you according to my bond,” says Cordelia to her father, King Lear. His rage at her for this plain truth is the beginning of a tragedy and a totalitarian political revolution. In As You Like It, Shakespeare defines marriage as a “blessed bond of board and bed,” in which three “b” words, “blessed” (the emotional and spiritual element), “board” (the material and economic element) and “bed” (the sexual and reproductive element ) are likewise combined in a fourth, the “bond” of the nuptial contract (V.iv.122). The intangible elements of the contract—love, spiritual communion, friendship—can be cashed, or in Shakespeare’s suggestive word, “redeemed,” in material terms. For Shakespeare, value must be embodied to exist, just as the inscription denoting the denomination of a coin is embodied in the intrinsic value of the metal of which it is made.\nBut what happened to this view of things, in which market price is an indispensable part of our value system, without replacing higher values? Writers in the Renaissance began to be accorded cultural prestige as celebrities. They wanted to be seen as aristocrats, whose system is not commerce but the ancient technique of giving to the poor, making them dependents and recruiting them as serfs, retainers or liegemen (rather than employees). They started to take on the affectation of contempt for money. Take Jonson’s The Alchemist, where funny money is contrasted with honest gentlemanliness: the market is imaged as fakery or prostitution. Unlike Shakespeare, Jonson published his plays, as if they were Latin Classics, like the ones in his patrons’ libraries. Writers were beginning to try to become respectable, and thus encountering a disjunction between the means of their livelihood—profitable publication—and the aristocratic company they wanted to keep. Jonson is an honest artist, though, and knows at bottom that, as an illusionist, he is not so different from Face and Subtle, the fake alchemist and the conman. Visual artists like Holbein and Hilliard also began to identify with the noble families with whom they worked; so, too, did composers like Byrd, Campion, Dowland and Gibbons. In what follows, I shall use writers as examples of how artists in general struggled with the demands of artistic integrity and market discipline; but I believe that painters, sculptors, composers, architects and performing artists faced the same kind of challenges.\nThe great poet John Milton (1608–1674), no special respecter of aristocrats, was in some ways a sturdy supporter of the free market, and his great attack on censorship, Areopagitica, is in many ways a defense of the free market of things as well as of ideas. His republicanism included a denunciation of monarchy itself. Charles I, whom Milton later hounded to the executioner’s block, had aroused the ire of the Parliamentarians partly by the use of market-destroying economic monopolies to raise money to pay off the debts of the government. But in Paradise Lost, Milton paints the hellish kingdom of Satan as a place of extravagant wealth and wasteful display.\nIn contrast to artists in other genres, writers were relatively privileged. The Law Courts and the Civil Service could give employment to writers—Chaucer had been the equivalent of the government trade minister, and Milton would serve as a Member of Parliament—and this meant that they were relatively free from the discipline of the market.\nWriters could also find employment in the Church, which brought with it its own set of problems. Both Chaucer and Milton (who chose not to become an Anglican minister) are searingly critical of what seemed to them religion for sale. One factor in the ambivalence of the writing classes about markets and money was the writer’s search for a “living” in the Church. Given the virtual absence of copyright law, a writer could not defend himself from piracy and make a living from his writings. Not wanting, as Shakespeare laments to his aristocratic friend, to go to and fro and “make himself a motley to the view,” perhaps he could, like a university professor today, use his writings to attain tenure in an institution of learning—in those days, basically the Church. John Donne (1572–1631) was an impoverished scribe until he found favor with the church authorities and became a Dean. Later the search for a nice fat church benefice or “living” became the subject of countless novels by Jane Austen, Antony Trollope and others.\nThere is an obvious and deep ambivalence in the work of the ordained writer. Some priests, like Robert Herrick, used their economic freedom to gather rosebuds while they might. A saintly priest like George Herbert (1593–1633) or Thomas Traherne (1636–1674) accepted the humble conditions of obligation in religious life. The root “lig” (meaning “bond”) in both words signals the constraints of his calling. He realizes that he is, in a sense, an employee or contractor of his church. In this poem, Herbert uses the language of property and commercial law to describe the astonishing gift of salvation:\nHaving been tenant long to a rich Lord,\nNot thriving, I resolvèd to be bold,\nAnd make a suit unto him to afford\nA new small-rented lease and cancel th'old.\nIn Heaven at his manor I him sought.\nThey told me there that he was lately gone\nAbout some land which he had dearly bought\nLong since on earth, to take possession,\nI straight returned, and knowing his great birth,\nSought him accordingly in great resorts,\nIn cities, theaters, gardens, parks, and courts.\nAt length I heard a ragged noise and mirth\nOf thieves and murd’rers; there I him espied,\nWho straight \"Your suit is granted,\" said, and died.\nBut the rift between literature and the market widened. John Dryden (1631–1700) and Alexander Pope (1688–1744) are vitriolic about the commercial publishing industry of their day. In Dryden’s “Macflecknoe” and Pope’s Dunciad, they excoriate the literary scene, as in this passage from “Macflecknoe”:\nNo Persian carpets spread th'imperial way,\nBut scatter'd limbs of mangled poets lay:\nFrom dusty shops neglected authors come,\nMartyrs of pies, and reliques of the bum.\nMuch Heywood, Shirley, Ogleby there lay,\nBut loads of Shadwell almost chok'd the way.\nIt is with the Romantics that the true literary assault on market capitalism begins. Here I must question many of my dearest literary friends, especially William Blake (1757–1827) and William Wordsworth (1770–1850). Here is Blake on industrial London:\nI wander thro' each charter'd street,\nNear where the charter'd Thames does flow.\nAnd mark in every face I meet\nMarks of weakness, marks of woe.\nIn every cry of every Man,\nIn every Infants cry of fear,\nIn every voice: in every ban,\nThe mind-forg'd manacles I hear\nHow the Chimney-sweepers cry\nEvery blackning Church appalls,\nAnd the hapless Soldiers sigh\nRuns in blood down Palace walls\nBut most thro' midnight streets I hear\nHow the youthful Harlots curse\nBlasts the new-born Infants tear\nAnd blights with plagues the Marriage hearse\nCertainly, Blake is attacking the institutions of the state and the legalization of human relations as much as he is bemoaning the marketing of sex and the extremes of wealth and poverty in the great city. But even Marx recognized that country life for the poor in England’s “green and pleasant land” was a state of “rural idiocy,” and the industrial wage slave was better off than the rural vagrant. Wordsworth, too, famously despises the filth and corruption of commercial London, and in his early years was an ardent supporter of the French Revolution. Getting and spending, he confesses, has laid waste his own powers.\nAs the novel emerges as an artform, and copyright begins to be observed, the tension between literary high-mindedness and profitable book sales increases. Daniel Defoe’s Moll Flanders is a whore, but a successful one. She has managed to transform the sex-for-sale transaction into a memoirs-for-sale one: on the level of the fiction, what is bought is moral redemption, and, on the level of Defoe’s authorial reality, it is the sale of Moll’s fictional sins in exchange for Defoe’s literary profit. In Defoe’s Robinson Crusoe (1719), Crusoe uses all the accumulated technology and psychological discipline of European market progress to make himself comfortable and make a slave of Friday, the native tribesman. Defoe (1660–1731) here anticipates Smith’s Wealth of Nations (1776, a date we may recall), where Smith points out that European technology, created by the market, can multiply the value of work a hundredfold.\nSamuel Richardson’s Pamela, underneath its refined veneer of virtuous sentiment, is basically about the sale of virginity versus the sale of the written word. It is Pamela’s literary production—her letters—that eventually free her from the threat of sexual bondage and ruin, and gain her the riches of Mr. B’s estate; and Richardson (1689–1761) sells the book.\nHere we must acknowledge the importance of Immanuel Kant (1724–1804). Kantian morality opposes both Aristotelian gentlemanly virtue and mercantile honesty, and casts doubt on the Shakespearean synthesis. He despises England as a nation of shopkeepers. For him, it is maxim and duty that define the good, not the modest mutual benefit to be found in contracts and exchanges. Why? because the latter involve personal interest and cannot pass Kant’s test for ethical impartiality and liberation from the deterministic chains of natural motivation. To be a human being is to be free; nature (as shown by Newton and Laplace) is a deterministic machine. To act freely and enter the realm of moral value, one must have separated oneself from one’s material nature, in other words, from whatever pleasure or pain one might obtain from action. This is a new kind of philosophical high-mindedness: morality is explicitly defined as not what happens in a market, because market exchanges always serve the participants’ interests, rather than any abstract maxim of conduct.\nOn the other hand, Jane Austen (1775–1817) is the soul of good sense, like Shakespeare. In Pride and Prejudice, Austen defends commerce as a respectable calling by means of the example of the Gardiners (a significant name), who are despised by the aristocrats and clergy in the novel for being in “trade.” They actually turn out to be the benevolent instruments by which Elizabeth and Darcy find true love with each other. In a memorable passage, despite Elizabeth’s determination not to sell herself for money, she reflects that “to be mistress of Pemberley [Darcy’s magnificent estate] might be something.” There is a prospect of a world in which markets, morality and literature can coexist.\nIn France, the ambivalence continues, and erupts into the French Revolution, with a huge increase in the power of the state and the delusory prospect that maybe the state can replace, or at least dominate, the market. Honoré de Balzac (1789–1850) was both a royalist and an embryonic socialist. He was later quoted by Marx and Engels, the great enemies of the capitalist marketplace. Victor Hugo (1802–1885) called himself a socialist, but believed in free enterprise and the market, and distrusted government employment. Many have seen the play or film of his Les Misérables, with its revolutionary ending, which rather distorts his message. After all, Valjean is himself a successful capitalist, who has provided employment for hundreds.\nCharles Dickens (1812–1870) is a great hero of the anti-capitalist left. But the left misinterprets him: Dickens is actually a good friend to productive business, but believes strongly—as we see in A Christmas Carol—in spending and keeping up the velocity of money. He is not against trade and the money economy, but he is very much in favor of generosity, charity and the gift economy. Bleak House can be read as an indictment of British industrial capitalism, but it can also be read as an attack upon the Chancery court system, with all its government-sanctioned corruption, distortion of market fairness and rent-seeking. He is certainly not the socialist, or even the Fabian, that some have made of him. His sympathy for the working class, epitomized by the character of Jo Gargery in Great Expectations, is balanced by his sympathy for the wretched convict Magwich, who makes his fortune by business enterprise.\nAnthony Trollope (1815–1882) is generally not unfavorable to the marketplace, though as an arena for meaningful human action, he clearly regards it as inferior to the world of inherited landed wealth. But in The Way We Live Now, he delivers a searing denunciation of London business dealings, sadly casting a Jewish banker as the villain of the piece.\nGeorge Eliot (1819–1880), nom de plume of Mary Ann Evans), in Middlemarch, celebrates Dorothea’s liberation from inherited property and the constraints upon women that such non-market forms of ownership imply. But unlike Eliot herself, who became independent by selling her books, Dorothea becomes the helpmate of a proto-Fabian socialist politician, Ladislaw, who is trying to use government to liberate people from want. Still, Eliot is not a foe of the market as such. Mrs. Gaskell (1810–1865) and Beatrix Potter (1866–1943), who also became financially independent by selling their writings, are similarly down-to-earth. Elizabeth Gaskell does not attack entrepreneurial business itself, but its abuse. It is interesting that the women writers, who had experienced their escape from conventional sexual roles in the liberation of selling their writings into the market, are much less inclined than the men to despise it and bloviate about the evils of capitalism.\nThomas Hardy (1840–1928) bemoans the destruction of traditional rural mores by the new industrial wealth—though he clearly sees the flaws in the old morality. For Hardy, there are no easy answers: his is a tragic vision. Here is D.H. Lawrence (1885–1930), in one of his letters, making a similar complaint:\nIn my father’s generation, with the old wild England behind them, and the lack of education, the man was not beaten down. But in my generation, the boys I went to school with, colliers now, have all been beaten down, what with the din-din-dinning of Board Schools, books, cinemas, clergymen, the whole national and human consciousness hammering on the fact of material prosperity above all things… the industrial problem arises from the base forcing of all human energy into a competition of mere acquisition.\nWith the advent of modernism, we get a perfect storm of literary hostility to the market. To the old motives of quasi-aristocratic scorn for trade, Romantic nostalgia for bucolic simplicity and Kantian high-mindedness, are now added Marxism, with its ideological critique of capital, and existentialism, which, in Jean-Paul Sartre (1905–1980) and sometimes in Albert Camus (1913–1960), demonized the abstraction, inauthenticity, and bondage of market morality. In America, novelists like Theodore Dreiser (1871–1945), John Dos Passos (1896–1970), Upton Sinclair (1878–1968), Richard Wright (1908–1960), Ralph Ellison (1914–1994) and John Steinbeck (1902–1968) embodied various versions of this tempest.\nThe poets either ignored or ridiculed the market, with the exception of Ezra Pound (1885–1972). Ezra had true greatness and insight on this issue. At least, he realized the profound importance of what, in Marx’s distorted insight, is a central fact of the human condition: the irreducible connection and tension between price and value, the blessed bond of board and bed. He got it terribly wrong, of course. His gold-standard economics, his enthusiasm for the ideas of Lenin and his statist Confucian morality led him directly into the embrace of Mussolini and even an unwitting complicity in the murder of the Jews. Here is part of his great rant against usury (Latin “usura”), the practice of taking interest by banks and professional lenders:\nwool comes not to market\nsheep bringeth no gain with usura\nUsura is a murrain, usura\nblunteth the needle in the maid’s hand\nand stoppeth the spinner’s cunning. Pietro Lombardo\ncame not by usura\nDuccio came not by usura\nnor Pier della Francesca; Zuan Bellin’ not by usura\nnor was ‘La Calunnia’ painted.\nCame not by usura Angelico; came not Ambrogio Praedis,\nCame no church of cut stone signed: Adamo me fecit.\nNot by usura St. Trophime\nNot by usura Saint Hilaire,\nUsura rusteth the chisel\nIt rusteth the craft and the craftsman\nIt gnaweth the thread in the loom\nNone learneth to weave gold in her pattern;\nAzure hath a canker by usura; cramoisi is unbroidered\nEmerald findeth no Memling\nUsura slayeth the child in the womb\nIt stayeth the young man’s courting\nIt hath brought palsey to bed, lyeth\nbetween the young bride and her bridegroom\nThey have brought whores for Eleusis\nCorpses are set to banquet\nat behest of usura.\nPerhaps Pound did not realize that Johann Wolfgang von Goethe (1749–1832) had already refuted his arguments in the second part of the Faust. Goethe’s brilliant argument for paper money is, finally, an argument for both economic progress and human flourishing. But few actually read, and fewer understood, the point Goethe was making, and writers went on trying to enforce a transcendence of the market that can only come, as Blake reminds us, through the palace of excess. Human beings must become bored with wealth before they can afford the luxury of rising above the marketplace. Writers, accustomed to having sentences come out as they wish, hate the economic strings attached to art. They continue to try to push strings, when the way to use strings is to pull with them.\nAmerican Vietnam era poets continued the theme: Allen Ginsburg (1926–1997), Gary Snyder (1930–), Robert Bly (1926–), among many others. In their view, the evil American military-industrial complex was trying to turn a beautiful Asian country into another blighted market economy. Of course, the irony is that victorious Vietnam was “liberated” from a regime that supported traditional family and agrarian virtues, and is now a bustling capitalist country.\nEco-feminists like Doris Lessing (1919–) and Joanna Russ (1937–2011) continued the tirade against the market. David Mitchell’s brilliantly written Cloud Atlas is another massive assault on the system that has doubled world life expectancy, provided education to half the planet, liberated women and minorities, and created democracies now outnumbering the traditional tyrannies across the globe. But Mitchell (1969–) seems to have recently changed his mind: his new novel The Thousand Autumns of Jacob de Zoet concerns Dutch traders in Japan, and is not unfriendly to business enterprise.\nBut there were always counter-currents: Buckminster Fuller, with his do-it-yourself technological economics, inspired many writers, such as Robert Pirsig (1928–). Libertarian free-market anti-state control science fiction writers like Robert Heinlein (1907–88), Eric Frank Russell (1905–78), Poul Anderson (1926–2001), and many others continued the optimistic free-market dreams of H.G. Wells and Jules Verne. I need not mention Ayn Rand (1905–82). I can remember the seeds of Boomer laidback technological capitalism in the Whole Earth Catalog, and watched that ethos give birth eventually to Apple and Google.\nBlack writers were ambivalent. Traditionally, freed slaves like Phyllis Wheatley (1753–84), Frederick Douglass (1818–95) and Harriet Jacobs (1813–97) just wanted a fair shot at the marketplace. Capitalism was the great liberator; the capitalist North defeated the agrarian South. But the civil rights movement became entwined with Socialist ideology: ultimately, very strange bedfellows. It was Hitler’s State Socialism (not capitalism, as Schindler’s List reminds us) that committed the racist Holocaust; and Stalin’s international socialism committed the racist atrocities of Babi Yar. “Nazi” is short for national socialism.\nShakespeare and Austen are not alone in having fully transformed the problem of value and price into a creative dynamo. There were always saner voices, like Thomas Mann (1875–1955), with his sober acceptance of middle-class industriousness and inventiveness, and his vision of spiritual adventures that can still await his bourgeois Hans Castorp. Or Walt Whitman (1819–92) and Carl Sandburg (1878–1967), with their exuberant celebration of American industrial progress and social transformation. Or Vladimir Nabokov (1899–1967), with his rapturous and only half-ironic paean to American bourgeois pop culture. Today, there are poets who welcome a marketplace that liberates us and renders us less the peons of the state.\nI believe that there is a new basis for a unified—if tensed—theory of value-genesis or value-creation. The word value can rightly carry over from numerical value to market value to political value to truth value to moral value to aesthetic value, as long as we can distinguish the increase of reflexivity, feedback and reflection as we ascend the scale. We see emergent orders with specific sets of rules but unlimited powers of generation in many kinds of systems: evolutionary ecologies with their emerging ecological niches and new species, markets with their infinitely subtle interplay of price, value, need and desire, the scientific community’s self-criticizing system of truth-discovery, common law with juries, adversarial procedure and judicial review, and the United States constitutional system of checks and balances. Each of these is what chaos and complexity theorists call a “damped, driven dynamical system” that explores new informational spaces and generates novel, spontaneous forms of self-organization. In these autonomous systems with their characteristic “chaorder” and nonlinear causality, direct deterministic cause is no longer a coherent concept, and freedom—which Kant rightly saw as essential to both morality and art—finds a natural home. And the market need no longer be seen as the evil Other for the serious writer. Values are generated by the new emergent games of feedback and reciprocity, just as the value of the $500 bill in the game of Monopoly is generated by the game itself, and as the meaning of a poem is generated by the arrangement and choice of words and the creative constraints of meter and rhyme.\nUsing this emerging understanding of complex feedback systems, literature may now begin once more to tackle the huge issues of human value that occupied Shakespeare, Dante, and Goethe. Any work of true art is such a system. Let us writers recognize—as did Thoreau, in his essay on Economy--the kinship of our own practice with that of traders and merchants: to know both the value and the price.", "domain": "economics"}
+{"url": "https://www.techwinks.in/2024/03/fisher-investments-a-deep-dive-into-a-leading-investment-management-firm.html", "date": "2024-04-22T19:05:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818337.62/warc/CC-MAIN-20240422175900-20240422205900-00196.warc.gz", "language_score": 0.921066403388977, "token_count": 904, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__54092792", "lang": "en", "text": "Fisher Investments is a prominent name in the world of wealth management, catering to individuals, families, and institutions. Founded in 1979 by Ken Fisher, a renowned investor and author, the firm has grown into a global powerhouse managing billions of dollars for its clients. This article delves into the core aspects of Fisher Investments, exploring its services, investment philosophy, and key considerations for potential clients.\nServices Offered by Fisher Investments\nFisher Investments primarily focuses on investment management, offering a portfolio management service. Here’s a breakdown of their service offerings:\n- Individual Investor Services: Fisher Investments caters to high-net-worth individuals and families. Their advisors design and manage customized investment portfolios based on individual financial goals and risk tolerance.\n- Institutional Services: The firm offers investment management solutions for corporations, pension funds, foundations, and other institutional investors.\n- 401(k) Solutions: Fisher Investments provides guidance and management services for employer-sponsored retirement plans.\nIt’s important to note that Fisher Investments does not offer brokerage services. They focus solely on investment management, meaning clients hold their assets at a separate brokerage firm.\nInvestment Philosophy: The Core of Fisher Investments’ Approach\nFisher Investments adheres to a specific investment philosophy rooted in long-term investing principles. Key aspects of their approach include:\n- Market Efficiency Belief: The firm believes the stock market is generally efficient, reflecting all available information in stock prices.\n- Focus on Long-Term Growth: Fisher Investments emphasizes investing in high-quality stocks with a long-term perspective, aiming to capitalize on market growth over time.\n- Disciplined Portfolio Management: The firm employs a disciplined approach to portfolio construction and management, adhering to their investment philosophy regardless of short-term market fluctuations.\n- Tax-Optimization Strategies: Fisher Investments prioritizes tax efficiency within portfolios, seeking to minimize clients’ tax burdens.\nKen Fisher’s Influence: The investment philosophy is heavily influenced by Ken Fisher’s research and insights. His bestselling books, such as “Superstars of Stocks” and “Debunk Investing Myths,” delve into his investment strategies and market psychology.\nConsiderations for Choosing Fisher Investments\nBefore entrusting your investments to Fisher Investments, here are some crucial factors to consider:\n- Investment Minimums: Fisher Investments typically caters to high-net-worth individuals with a minimum investment requirement. It’s advisable to check their current minimums before initiating contact.\n- Fee Structure: Fisher Investments charges a fee based on a percentage of assets under management (AUM). Understanding their fee structure and how it aligns with your financial goals is essential.\n- Investment Style Match: Ensure Fisher Investments’ long-term, growth-oriented approach aligns with your investment goals and risk tolerance.\n- Alternatives to Consider: Research and compare other investment management firms before making a decision. Explore options offering different fee structures, investment styles, and minimum investment requirements.\nAdditional Services Offered: While their core business is investment management, Fisher Investments also provides educational resources through their website, webinars, and YouTube channel: [invalid URL removed].\nFisher Investments: Building a Strong Reputation\nFisher Investments has garnered recognition within the financial industry. Here are some noteworthy aspects of their reputation:\n- Assets Under Management: The firm boasts a significant amount of assets under management, signifying client trust and confidence in their approach.\n- Industry Recognition: Fisher Investments has received awards and accolades from various financial publications, showcasing their standing within the industry.\n- Global Presence: The firm has established offices internationally, catering to a diverse client base.\nIt’s important to conduct your research and understand any potential controversies surrounding the firm before making a decision.\nConclusion: Is Fisher Investments Right for You?\nFisher Investments offers a compelling option for high-net-worth individuals and institutions seeking a long-term, growth-oriented investment approach. Their experience, investment philosophy, and global presence make them a significant player in the wealth management landscape. However, carefully consider the investment minimums, fee structure, and suitability of their approach to your financial goals and risk tolerance before making a decision.\nDisclaimer: This article is for informational purposes only and should not be considered financial advice. Please consult with a qualified financial professional before making any investment decisions.", "domain": "economics"}
+{"url": "https://www.brulerieduquai.com/en-us/collections/thes-tisanes/products/the-noir-rukeri", "date": "2023-12-06T11:55:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100593.71/warc/CC-MAIN-20231206095331-20231206125331-00346.warc.gz", "language_score": 0.9810521006584167, "token_count": 219, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__131550537", "lang": "en", "text": "Rwanda is a hot and humid country. So hot that the average temperature is 24 ° C, and so humid that the country has two wet seasons. You probably think these are the perfect qualities for growing tea, and you are right!\nThis is exactly what the American Joe Wertheim noted in Rwanda in the 1970s to buy Rukeri. Tea was planted by Europeans in the 1960s, and like the rest of the Rwandan tea plantations, the sizes were modest. As the plantations grew and became more and more prosperous, until in 2002 Rwanda became the largest tea importer and employer in the sector, with over 15,000 tonnes produced. . Their excellent standards have also enabled them to receive fair trade certification.\nRukeri is considered by many to be one of Africa's best products, in addition to being exported at over 3 million kilos per year. Rukeri's infusion is filled with notes of malt, molasses, and a subtle hint of wine with a pleasant delicate astringency with a full bodied finish. Savor the best of Rwanda!", "domain": "economics"}
+{"url": "https://www.horizonsventures.com/demetrix-secures-50-million-in-series-a-funding-to-provide-cannabinoids-to-pharmaceutical-supplement-and-consumer-product-companies/", "date": "2023-06-06T10:11:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224652494.25/warc/CC-MAIN-20230606082037-20230606112037-00603.warc.gz", "language_score": 0.9185183048248291, "token_count": 1301, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__52388811", "lang": "en", "text": "UNDER EMBARGO UNTIL WED OCT 19, 2022 @ 8AM EDT\nNourish Ingredients Raise $28.6M to Make Animal-Free Fats For The Next Generation Of Tastier Alternative Proteins\nCANBERRA, AUSTRALIA —WED OCT 12, 2022 — Nourish Ingredients, a food tech company creating animal-free specialty fats using synthetic biology, has raised a $28.6M USD Series A funding round.\nThrough science and their process of precision fermentation, Nourish has made a significant breakthrough in the taste and experience of alternative proteins. Nourish builds real animal fats that make alternative proteins cook, smell and taste as delicious as the real thing, but animal free. Their fats are set to make a transformative impact and are key to creating a smarter, more sustainable, more diverse food system. The funding round was led by Horizons Ventures and supported by Main Sequence Ventures and Hostplus.*\nNourish zeroed in on the differences between plant and animal foods to identify the most potent fats and oils missing in the alternative protein space; the ingredients that make Wagyu steak so special, and ice-cream so irresistible. The team at Nourish then engineered proprietary precision fermentation strains that can manufacture these potent fat molecules at scale and give alternative proteins a true animal-like taste and experience.\n“The first generation of alternative proteins made waves, mostly with vegans and vegetarians, but they didn’t convert carnivores into return customers. By overlooking fats, the market has missed the most essential element to the taste experience. That’s where Nourish comes in. We’re not just mimicking meat – we’re creating animal ingredients but from an animal-free source. This creates an experience that can compare to the deliciousness of the real thing, and even go way beyond it.”, says James Petrie, Co-founder and CEO at Nourish Ingredients.\nNourish was founded by scientists and entrepreneurs, Dr. James Petrie and Dr. Benjamin Leita in Canberra, Australia, who have the shared belief that taste is the most critical challenge for the alternative protein sector, and alt-protein foods must win the hearts and taste-buds of even the most devout lovers of meat and dairy for the sector to truly tap into the mainstream. Imagine the texture of a juicy roast chicken or the aroma of a succulent beef burger but from plant-based meat. Nourish fats make a transformative impact on alternative proteins.\n“The perfecting of alternative animal fats will deliver a quantum leap in the taste and experience of alternative protein products. Nourish, with their science-led approach, are able to produce at scale, tailor made non animal derived fats and oils that can match our expectations in taste and mouth feel.”, says Chris Liu of Horizons Ventures.\nNourish will use the funding round to scale production and extend product development. “Feedback from our alt-protein food partners has been very positive. Nourish’s products have a transformative impact on their products – they haven’t tasted anything like it before. Our main challenge is to scale fast enough to meet their expectations but we are also deeply invested in pushing the boundaries of alt-protein taste and experience into new spaces”, says Petrie.\nAs part of scaling and expanding R&D, Nourish has alliances with a number of leading universities from across the globe who are world-class in the fields of synthetic biology and precision fermentation. These world class institutions include The University of California Riverside (UCR), Australia’s national science agency, CSIRO, University of Nottingham UK, and Deakin University. Nourish is also partnering with The University of Queensland to accelerate the production of next generation foods in Australia. Partnerships like this build on the continued internal expansion of Nourish’s R&D capabilities, further strengthens their IP position, and fast-tracks their product development of unique fat solutions for the alternative protein space.\nNourish aims to take its first product, fats that provide a meaty aroma and taste, to market in 2023 through deep partnerships with global food companies. Expect to see Nourish Ingredients in alternative protein product lines and specialty foods.\nAbout Nourish Ingredients:\nNourish is a food tech company using synthetic biology to create animal-free fats for the next generation of alternative proteins. Nourish fats transform alternative proteins to cook, smell and taste like the real thing. Backed by top tier investors including Horizons Ventures and Main Sequence Ventures, Nourish Ingredients’ fats are key to creating a smarter, more sustainable, and more diverse food system. https://nourishing.io/\nHorizons Ventures was co-founded by Solina Chau and Debbie Chang in 2005. It is known for backing era-defining companies making lasting and positive impact in the world. Amongst its string of notable early stage investments are Zoom, Impossible Foods, Perfect Day, Spotify, Siri and DeepMind, reflecting Horizons Ventures’ methodical long-term investment approach.\nMain Sequence Ventures\nMain Sequence is tackling the world’s biggest challenges by turning today’s scientific discoveries into tomorrow’s industries. It works closely with scientists, researchers and industry collaborators to create, fund and accelerate new companies and industries across health, food, space, transport, security and deep tech to accelerate humanity for a more prosperous future.\nFounded in Australia in 2017, Main Sequence manages the CSIRO Innovation Fund, founded by the Australian Government and the national science agency to reinvest its historic contributions into the successes of the future. Main Sequence’s Fund I and Fund II have invested in 42 companies that are changing the way healthcare is delivered, food is produced, spaces are connected and more.\nHostplus has grown to be one of the largest industry super funds in Australia. With 1.6 million members, more than 275,000 employers and $88 billion in funds under management, our scale and ongoing growth allows for low member costs and a broad range of investment opportunities.\nMedia enquiries: Daire Hickey, 150 Bond, email@example.com, +1 646 589 2026", "domain": "economics"}
+{"url": "http://www.spanishvat.es/en/value-added-tax.html", "date": "2021-12-01T10:00:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964359976.94/warc/CC-MAIN-20211201083001-20211201113001-00589.warc.gz", "language_score": 0.9402174949645996, "token_count": 230, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__65851527", "lang": "en", "text": "International transactions mean complying with an array of formal and disclosure obligations. We will file your VAT returns with the Tax Authority, and manage your payments and refunds.\nWe also provide advisory and consultancy services. Any concerns or queries you may have will be resolved swiftly and professionally, always seeking the solution best suited to your business.\nWe are aware that a particular kind of advice that may work for a company in the logistics sector, may not be the most appropriate for a financial institution or an insurer. Accordingly, Spanish VAT Services undertakes to offer a solution tailored to your particular case and situation. We firmly believe that no two companies are alike and, consequently, neither should there be two identical ways of providing advice.\nOur activity includes reviewing and drafting national and international contracts. Once signed, contracts are binding on all parties, so a comprehensive review before signing, and specifically a review of tax-related clauses, can often prevent future problems that might otherwise translate into expenses and onerous liabilities that could have been avoided.\nWith the right advice, the impact of VAT on a business must be neutral. We can help you to achieve this.", "domain": "economics"}
+{"url": "http://makebreak.us/csadsm", "date": "2017-12-13T08:55:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948522343.41/warc/CC-MAIN-20171213084839-20171213104839-00784.warc.gz", "language_score": 0.9366485476493835, "token_count": 158, "dump": "CC-MAIN-2017-51", "global_id": "webtext-fineweb__CC-MAIN-2017-51__0__15239918", "lang": "en", "text": "Each of 50 shareholders receives an original piece of art from each of three artists.\ndelivery September 2015\nFrom local food to local art\nCommunity Supported Agriculture (CSA) has become a popular way for consumers to buy seasonal food directly from local farms. With the same buy-direct, buy-local spirit in mind, we launched a similar endeavor to support local art, artists, and collectors.\nCommunity Supported Art in Des Moines\nOnce a season, make\\break collects the freshest work from artists. Painters, photographers, and designers share their produce with CSA shareholders at a pick up party.\nmake\\break is lining up artists and setting a date for our summer share party. Buy your share now -- it's your ticket to the 2015 harvest of art.", "domain": "economics"}
+{"url": "https://it-security-resellers.ciotechoutlook.com/cioviewpoint/digital-transformation-an-age-of-disruption-nid-3860-cid-141.html", "date": "2022-09-27T13:20:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030335034.61/warc/CC-MAIN-20220927131111-20220927161111-00250.warc.gz", "language_score": 0.9049180150032043, "token_count": 701, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__124754043", "lang": "en", "text": "Digital Transformation an Age of Disruption\nDigital transformation is vast and often misunderstood as a formal effort to renovate business vision, models and investment for a new digital economy. This isn’t a trend owned by a particular role, nor a discipline that belongs to single function alone. It is, however, a significant movement where a true business leaders venture into tomorrow’s markets, today. While the word “digital” is part of “digital transformation”, the essence of digital transformation comes down to people and how their digital behaviors differ from that of the traditional customers before them. It’s also more than that.\nDigital transformation is most effective when it is tied to an end goal or series of milestones related to a future state. E.g. some organizations invest in digital transformation from a technology standpoint as a way to improve efficiencies and scale around a specific area of business like Customer experience, improve products and services, and increase the effectiveness of business operations others look at digital transformation as a series of channel investments to modernize and enhance customer and employee engagement. But it really means what your enterprise must do to adapt and thrive. Digital Transformation strategists drive social business evolution and digital transformation based on insight from peers and market leaders. Digital transformation is most effective when it is tied to an end goal or series of milestones related to a future state.\nDigital transformation as a movement under a customer-centric lens: The realignment of, or new investment in, technology and business models to more effectively engage digital customers at every touchpoint in the customer experience lifecycle.\nDigital transformations are more likely to succeed when organization focus on critical dimensions of business process. The key to digital transformation is that ‘it’s not all about technology’. Its behavior whether it’s related to customers, employees, values or expectations. Digital transformation comes down to people and every people is a change agent and change agents must make the case to earn executive support , and that takes journey mapping to data “ what’s best for customer is best for use”.\nDigital transformation represents the next stage of business development. It will improve how companies work—inside and out. But, without knowing how the customers or employees are evolving, digital transformation is just new technology operating under the guise of change. Customer and digital first approach help change agents to identify priorities and difference among customer to create a sense of urgency and a roadmap for business priorities to resolve and align companies to assess the real customer experience\nFew Key Strategies for any Digital Transformation:\n• Identify market evolution & pains\n• Asses yourself where you are\n• Develop road map to get where you need\n• Focus on long term goal\n• Focus on customer & data\n• Get clear leadership buy in\n• Design for innovation, optimization, agility and scale\n• Set goals & KPI’s\n• Build ecosystem\n• Pause & Reboot.\n4 Core Areas of Digital Transformation\nThe major challenges for ‘digital transformation’ are changing company culture, cooperation between functions and team, resources & lack of data to justify digital transformation. Culture is Key and Executive support is critical for digital transformation to start and success. Digital transformation carries expectations that its impact can be measured at both customer and business levels. Digital Transformation doesn’t mean Digital Investment only it means thinking ‘Digital’.", "domain": "economics"}
+{"url": "https://www.pelaburanmara.com.my/subs/PMB-ANALYTICS-SDN-BHD", "date": "2021-04-21T13:17:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618039544239.84/warc/CC-MAIN-20210421130234-20210421160234-00105.warc.gz", "language_score": 0.6713055968284607, "token_count": 303, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__273498612", "lang": "en", "text": "PMB Analytics Sdn Bhd (PMB Analytics) is a subsidiary of Pelaburan MARA Berhad, a financial services group with more than five decades of experience in asset management.\nComplementing Pelaburan MARA’s catalogue of services, PMB Analytics offers to help clients evaluate, optimize, and create quantitative investment strategies with a measurable edge over the market.\nPMB Analytics has entered into a partnership with the world-renowned investment advisor to Wall Street, Nasdaq Dorsey Wright (NDW) to promote and market its investment model in Malaysia.\nPMB Analytics offers a turn-key access to Relative Strength strategies, driven by NDW global technical research and holds the sole right to market Nasdaq Dorsey Wright investment models in Malaysia.\nPelaburanMARA Group reserves the rights to amend/revise/modify this Privacy Notice from time to time.\nIf there is any conflict or discrepancy between the English version and the Bahasa Malaysia version of this Privacy Notice, the English version should prevail.\nKumpulan PelaburanMARA berhak untuk meminda/mengubah Notis Privasi dari masa ke semasa.\nJika terdapat sebarang percanggahan Notis Privasi ini di antara versi Bahasa Inggeris dan Bahasa Malaysia, Notis Privasi versi Bahasa Inggeris adalah digunapakai.", "domain": "economics"}
+{"url": "http://www.unemploymentunion.com.au/category/home-buying/", "date": "2017-04-26T15:31:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121453.27/warc/CC-MAIN-20170423031201-00242-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9531524181365967, "token_count": 1190, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__78898240", "lang": "en", "text": "Any real estate salesperson who tells you they’ve never questioned whether or not the commission percentage they pay their broker is justified is either lying, or way too trusting. home extensions Melbourne It’s okay, everyone does it.\nA savvy professional owes it to themselves to regularly reassess whether or not they are being compensated fairly given the value they add to a business — this is only natural. Unfortunately, the real estate industry is one of those places where these sorts of questions are often answered with: “Well, we have always done it this way”, and as a result, there is a certain amount of transparency lacking in the reasoning behind these decisions.\nHow Does The Agent-Broker Relationship Work?\nWhat can be confusing to many, is that the real estate agent that often shows and handles the majority of the sales process when property is bought or sold, is not actually the one who is paid directly by the client.\nThe commission (which can be up to 6% of the total sale price) is instead paid to the broker the agent operates under. water damage Why is this case? Well, due to the law, only a licensed broker can process the commission paid by a client, who then, after taking a cut, passes on what is the left to the agent.\nWhat Percentage Of The Commission Does The Broker Take?\nHere is where things start to get less clearly defined.\nThe split itself is agreed upon prior to the sale by the broker and the agent, and thus the percentage itself can be just about anything. In practice, however, the average agent to broker payment ratio typically is more like 50-50, or perhaps 60-40 for a more experienced, independent sales agent.\nIs This Commission Split Structure Fair To The Agent?\nAs previously mentioned, the sales agent is usually the face of a real estate transaction they are involved in. Many times — especially for smaller deals like apartment rentals, for example — the clients themselves may never even meet the broker who is cashing their check.\nSo, while the broker certainly deserves their share of the spoils, is 50% really an equitable distribution model given the sales representative often handles a disproportionate amount of the work? Like Minetta Realty, some brokerages are starting re-think the standard real estate agent commission split.\nThe Case For The Broker\nBut wait, before you throw out the baby with the bathwater, it is important to keep in mind that the legal requirement for the broker’s involvement in the real estate sales process is not without justification.\nBrokers must pass a more challenging exam than agents — one which usually requires a 100+ hour course to prepare for. office fitout In addition to this exam, brokers are also required to work in the field for a certain amount of time before they can obtain their real estate license. In the state of New York, for example, “Broker license applicants must have at least two years of full time experience as an active licensed real estate salesperson, or at least three years of full time experience in the general real estate field.”\nAs a result of this more rigorous licensing process, brokers often have a much more sophisticated understanding of the legal and financial context surrounding real estate transactions. This expertise can be invaluable when the lawsuits start flying (not uncommon given that there can be hundreds of thousands — if not millions — of dollars at stake), or when navigating more complex financial situations. The money they are paid is most certainly earned.\nAside from expertise, brokers also typically provide a number of services and amenities that play a crucial role in enabling an agent’s success. Everything from leads, office space, CRMs, and business cards can sometimes be funded by the broker. Interestingly enough, in some scenarios the arguably most valuable asset a broker provides for the agent is something less tangible: a respected brand.\n“Fancy office space and business cards are great and all, but when you start generating upwards of a hundred thousand dollars in revenue each year, even 30-40% can be quite the premium to forfeit.”\nIn Conclusion: Re-Evaluating The Compensation Status Quo\nRegardless of your opinion on the credit due to brokers, one thing is clear: there are way too many variables at play for a one size fits all policy.\nIn turn, there really should be no “typical” real estate agent commission split rate.\nAgents should consider their circumstances when determining how much of their pay to pass over to their broker. Some questions you can ask yourself to help figure this out are:\nDo the nature of my deals require in depth financial and legal expertise?\nIf you are renting apartments to college students, or doing other normally friction-less transactions — like real estate referrals — then paying your broker a full 50-50% split is probably too much.\nHow dependent am I on my broker’s services and experience?\nEven if you are involved in more high stakes, complicated property sales, there still may be cause to reconsider your current business arrangement with you broker.\nAfter all, once you have developed your own strong personal brand, and source most of your leads through referrals and word of mouth anyway, then it may be time to ‘cut the umbilical cord’ and strike out on your own, or find a more hands off and less expensive broker to work with. Fancy office space and business cards are great and all, but when you start generating upwards of a hundred thousand dollars in revenue each year, even just 30-40% can be quite the premium to forfeit. Traditional brokerages often respond to this leverage by allowing their senior agents a more friendly compensation percentage, but even then there is commonly a ceiling around 60%, which is rare and reserved for a select group of stand out contributors.", "domain": "economics"}
+{"url": "http://www.academicwritersonline.com/payment", "date": "2013-05-24T03:21:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368704133142/warc/CC-MAIN-20130516113533-00054-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9477580785751343, "token_count": 590, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__212573045", "lang": "en", "text": "We Pay On Time!\nThe first thing every freelance academic writer wants to know about is money: what the price rates are and how often are writers able to cash out their balance. The pricing strategy of our company is very flexible. You can get paid as much as $15 a page, depending on the urgency and academic level of the assignment.\nEach and every academic paper is evaluated for complexity of research required to complete the assignment and availability of the necessary resources, which help to calculate the optimum price for a specific assignment. As a result, the total price of an order depends on the deadline, academic level, and number of pages required. For you to understand the system better, let us give you an example: the price for a 5 page High School paper due in 10 - 14 days can be $30, while the price for a 3 page Masters level essay due in 10 – 24 hours may be $30 as well. Needless to say, Master level research papers are more expensive than High School assignments, as far as the topics for the first type of papers are more sophisticated and require experience, stamina, and knowledge. Even though the price of every order is fixed, writers can still negotiate and bid for a higher page rate. Usually, bids are considered and writers get certain orders at higher prices.\nPrice for each order depends on:\n- Level of writing\n- Number of pages\n- Required research/Availability of materials\nPayment is conducted twice a month following the company’s payment policy (http://academicwritersonline.com/rules). AcademicWritersOnline.com is a verified business member of PayPal community, which guarantees full and timely payments. As of now, we use PayPal to transfer funds to the writers who are registered with PayPal (please, check if PayPal works in your country here: https://www.paypal.com/us/cgi-bin/webscr?cmd=_display-approved-signup-co...) and Western Union as an alternative method of payment for our foreign writers. For more information about our payment procedures and rules, please, carefully read our Rules and Policies, which are visible upon registration.\n- Western Union\nWelcome to the world of Academic Writing!\nAcademicWritersOnline.com is looking for ethical employees who will respect and follow all of the company’s rules and policies. Our clients expect to receive high quality papers uploaded within a certain deadline. Even a mere 5-10 minute lateness can be enough for the paper to become useless and for the client to fail a course or get expelled. Failure to meet job responsibilities may result in fines and payment reductions. However, we carefully investigate every single issue that may occur between a writer and a customer. We hope you will enjoy working for our company, and we will do our best to provide you with numerous interesting and challenging assignments for you to make some extra cash!", "domain": "economics"}
+{"url": "https://flower-delivery-compare.asia/sg-th/arena-flowers", "date": "2023-10-04T23:44:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511424.48/warc/CC-MAIN-20231004220037-20231005010037-00643.warc.gz", "language_score": 0.9413861632347107, "token_count": 307, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__43113388", "lang": "en", "text": "Arena Flowers - flower delivery with fair trade flowers\nArena Flowers is an international flower delivery based in the UK. They partnered up with many florists and delivery shops all over the world and deliver to more than 140 countries. Singapore is one of them.\nThe website has great usability. Pictures are of good size and quality. All in all, it's convenient to use their site.\nChoices and prices of flowers and gifts are ranging wide. There is something for everyone’s wallet. Prices for Singapore are between approx. ฿ 2,682.66 to approx. ฿ 5,365.32. The variety of bouquets from sections like \"Designer Flowers\", \"Bestsellers\", \"Florist’s Pick\", \"Subscription Flowers\" are waiting to be sent into the world.\nA great gimmick, the shop offers customers the possibility to upload pictures of them. An additional attachment to flowers and greeting cards. Send to the recipients to make it more personal.\nArena Flowers is a member of the fair trade program. A program where environmental and corporate responsibility is vital. An educational project regarding African flower farms and working conditions there. The aim is to benefit local social welfare and economics.\nArena also implemented a blog on the website with useful information regarding flower care and tips for gifts and holidays.\nPayment methods are Paypal, Visa, Amex, and Master Card.\nThe shop is engaged on Facebook, Twitter, Pinterest and Google+.", "domain": "economics"}
+{"url": "https://mtlatable.mtl.org/en/partners", "date": "2019-04-25T20:37:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578733077.68/warc/CC-MAIN-20190425193912-20190425215912-00241.warc.gz", "language_score": 0.9271250367164612, "token_count": 1150, "dump": "CC-MAIN-2019-18", "global_id": "webtext-fineweb__CC-MAIN-2019-18__0__12020521", "lang": "en", "text": "Aeroplan is Canada’s premier coalition loyalty program. Aeroplan’s millions of members earn Aeroplan Miles with its growing network of over 75 world-class partners, representing more than 150 brands in the financial, retail, and travel sectors.\nThere are more than 5 million active Aeroplan members.\nThe mission of the Ministère de l’Agriculture, des Pêcheries et de l’Alimentation is to foster the prosperity of the agri-food sector and to oversee food quality with a view to sustainable development.\nRecognized for its expertise, the Department supports entrepreneurs and is attuned to the expectations of consumers and citizens. By making it easier for consumers and food producers to meet each other, it brings the various food stakeholders together and encourages locavorism while giving the know-how of Quebecers’ visibility. Québec products are a guarantee of flavour, quality and respect for the environment, from farm to fork.\nAlways at the centre of the pleasures of the table, the SAQ is committed to encouraging the discovery of new products and sharing its wine and spirits expertise. It prides itself on providing access to 13,200 products from 77 countries in its network of 400 stores and 440 agency stores.\nBeyond its business activities, the SAQ annually supports some 400 organizations and events across Quebec through its donation and sponsorship program. The value of its contributions totalled $6.5 million in fiscal 2016-2017.\nSwiss International Air Lines (SWISS) serves 102 destinations in 43 countries all over the world from its Zurich hub and the further Swiss international airports of Basel and Geneva. As the airline of Switzerland, SWISS is a byword for traditional Swiss values. True to its roots, the company is dedicated to providing the highest possible quality in all its products and services. With its manageable medium size, SWISS is also optimally equipped to remain as close as possible to its customers and meet their individual needs.\nSWISS is committed on various fronts to the careful and sustainable use of natural resources, and regards a responsible attitude to the environment as an integral part of its corporate culture. As part of the Lufthansa Group and a member of Star Alliance, SWISS remains true to its mission of providing quality air services that link Switzerland with Europe and the world.\nFueled by over 170 years of cocoa and chocolate expertise across the world, Cacao Barry® innovates and supports both farmers' and Chefs' needs. Cacao Barry® brings great cocoa from remarkable places to celebrate the diversity of flavours and origins to truly unlock its sensorial richness.\nSupported by our complete palette, ranging from cocoa, chocolate couvertures, origin chocolates to exclusive plantations, and customized chocolate recipes by Or Noir™, together with our global network of Ambassadors and Chocolate Academy™ Centers, it is our mission to support Chefs in their daily challenge to delight customers with unique chocolate flavours and creative pairings in signature dishes.\nESKA Natural Spring Water is drawn from our source located in St-Mathieu-d’Harricana in Northern Québec. ESKA water is naturally pure and shaped by the glacial rocks of a unique natural filtration system, an esker. Snow and rain trickle down into the esker and go through layers of rock, sand, and gravel for 15 years. ESKA water emerges naturally pure, nothing needs to be added or taken away.\nTaste the purity of ESKA Natural Spring Water! Still or carbonated, flavoured or not, ESKA water will satisfy all your desires!\nSince 1938, the Association des restaurateurs du Québec (ARQ) has been committed to the economic and professional development of Quebec’s restaurant managers. The ARQ is a non-profit organization with more than 5,500 members, half of which have businesses in the greater Montreal area. It provides training, government representation, insurance, information, and access to discounts (mainly through the largest purchasing collective in Quebec, the Privilege Plu$ Purchasing Program).\nThe ARQ’s top priorities include: ensuring that the restaurant industry’s role in the growth of Québec’s economy, tourism industry and bio-food industry is recognized; ensuring that the industry benefits from appropriate operating conditions, especially with respect to taxation, regulation and the consumer’s purchasing power; rallying the industry to create a decent workforce in terms of both quantity and quality.\nBECOME A PARTNER\nTourisme Montréal is responsible for leading the regional effort to promote our hospitality industry by positioning Montréal as a premier destination for business and leisure travel. It steers Montréal’s tourism market development to keep pace with constantly evolving economic realities.\nMTLàTABLE was initiated by Tourisme Montréal to make local gastronomy more accessible and create a celebration based on culinary pleasures and dining out. It gives Montrealers and tourists the chance to discover Montréal’s rich gastronomic scene and savour the creativity of our world-renowned chefs. This annual event generates significant economic spin-offs and press coverage.\nMTLàTABLE has been made possible thanks to the generous support of its partners and sponsors who benefit from many personalized activation opportunities. The event reaches hundreds of thousands of consumers thanks to our media campaign and a wide range of marketing activation opportunities. If you are interested in becoming an event partner, you can choose a wide range of options. Each contract will be tailored to your needs and objectives.\nContact : firstname.lastname@example.org", "domain": "economics"}
+{"url": "https://imperativetraining.vc-promote.co.uk/Course/Details/2134e2df-6d29-4ad4-a312-690cc28e1f1b", "date": "2020-09-28T02:24:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600401583556.73/warc/CC-MAIN-20200928010415-20200928040415-00112.warc.gz", "language_score": 0.9481762051582336, "token_count": 174, "dump": "CC-MAIN-2020-40", "global_id": "webtext-fineweb__CC-MAIN-2020-40__0__225183922", "lang": "en", "text": "The amount of money spent on pay and employee benefits can often account for the largest part of organisational expenditure and therefore managing this correctly is crucial.\nIndividuals are attracted, retained and engaged by a whole range of financial and non-financial rewards and these can change over time depending on their personal circumstances. Effective managers need to investigate what will achieve this for their team and desired team.\nThe module provides learners with an increased understanding of the difference between strategic and total rewards, as well as the importance of reward and recognition for employee motivation.\nOn completion of this course learners will be able to:\n• Identify the difference between strategic and total reward\n• Describe the different types of pay structure\n• Detail a range of benefit options\n• Appreciate the importance of reward and recognition for employee motivation\n• Recognise the risks in designing a pay strategy", "domain": "economics"}
+{"url": "https://www.tabdevi.com/register/processed-foods-and-beverages", "date": "2021-03-01T03:28:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178361849.27/warc/CC-MAIN-20210301030155-20210301060155-00085.warc.gz", "language_score": 0.9076309204101562, "token_count": 442, "dump": "CC-MAIN-2021-10", "global_id": "webtext-fineweb__CC-MAIN-2021-10__0__213775311", "lang": "en", "text": "This website uses its own and third-party cookies to offer a better service to our users, collect statistics and optimize site functionality. If you continue browsing, you accept its use. For further information read our Cookies Policy.\nConnect via instant messaging with customers, suppliers, partners and coworkers to create productive conversations, generating synergies and business, wherever you are.\nStart selling in Tabdevi quickly and easily. Sell, export and improve the visibility of your business. Publish your products and services and they will be found on the Internet more easily.\nPublish in Tabdevi the purchase of the products and services you need to earn money and save by buying, accessing a greater number of suppliers.\nRegister for free and access a new digital environment where you can meet new products and services related to the Processed foods and beverages sector. In Tabdevi.com you will meet other B2B markets with new manufacturers, producers, wholesalers, distributors, importers, exporters, suppliers and service providers, accessing new buyers, sellers and new business opportunities globally to buy and sell. Marketplace for Processed foods and beverages.\nWhat can I do in Tabdevi? Click here\nWithin this category you will be able to upload your catalogue related to: Appetizers, snacks and nuts, Bakery, pastry and confectionery, Cereals, legumes and seeds, Cocoa, chocolates and confectionery, Coffee, tea, infusions and herbs, Creams and purees, Dairy, Dehydrated fruits, Dehydrated mushrooms, Dehydrated seaweed, Desserts, Drinks, Ecological beverages, Ecological food, Eggs, Fish, crustaceans, molluscs and seaweeds, Flours, meal, milling products and starches, Fruits and vegetables, Gourmet beverages, Gourmet food, Herbalist, Infant and child feeding, Ingredients, Meat and meat products, Pasta, Patés, Prepared and precooked food, Sauces, Spices and condiments, Sports nutrition, Sugars, sweeteners, honey and substitutes, Vegetable and animal oils and fats.", "domain": "economics"}
+{"url": "https://card-group.com/banking-market-research/", "date": "2024-04-21T20:43:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817819.93/warc/CC-MAIN-20240421194551-20240421224551-00168.warc.gz", "language_score": 0.9303246140480042, "token_count": 447, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__7083471", "lang": "en", "text": "Banking market research\nMarket research for banking organisations\nBanking market research by CARD Group Research & Insight offers both business-to-business and business-to-consumer market research for banking organisations and financial institutions. Experienced in conducting both quantitative and qualitative market research projects, we work in partnership with our clients to deliver actionable insights which improve marketing strategy and achieve business objectives.\nOur banking market research service enables banks and other financial services institutions to uncover deeper and more accurate consumer information. We utilise advanced behavioural economics research methods to access both the conscious and subconscious perspectives.\nNew and existing product and service development for banking\n- Tailor products and services to better meet customer needs\n- Discover more about your customers, their wants and their often hidden motivations.\n- Develop products and services to better meet your customer’s needs.\n- Nurture a deep understanding of your customers’ needs to inform new product development.\n- Gain insight into how to market new products and services to your target markets.\n- Learn how satisfied your customers are and how you can improve customer satisfaction and customer experience in ways that matter most to them.\nCompetitive intelligence for banking\n- Discover why prospective customers have really chosen a competing bank instead of your bank.\n- Receive insight into how your brand is perceived compared to competing financial institutions and how you can improve your brand.\n- Find out what consumers like and dislike about your competitors\n- Discover how competitors treat their customers with competitive mystery shopping. This includes face-to-face in-branch, by phone and online.\nBrand research for banks\n- Brand awareness, evaluation, loyalty, recognition and rebranding research services\n- Brand tracking\n- Copy testing, advertising testing and campaign evaluation\nEmployee surveys for banks\nWe offer a range of employee surveys for banking staff. These include:\n- Advanced employee engagement surveys using our unique employee attitude analytics\n- Employee satisfaction surveys\n- Employee pulse surveys\nBanking market research services\nTo make an enquiry about a specific project you have or to find out more about our market research for banks, please get in touch. We work with companies across the United Kingdom, Ireland and beyond.", "domain": "economics"}
+{"url": "https://moa.gov.gm/comment/29525", "date": "2022-01-22T12:41:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320303845.33/warc/CC-MAIN-20220122103819-20220122133819-00455.warc.gz", "language_score": 0.9356889724731445, "token_count": 649, "dump": "CC-MAIN-2022-05", "global_id": "webtext-fineweb__CC-MAIN-2022-05__0__16593837", "lang": "en", "text": "The two most critical factors for attaining food self sufficiency in the area of rice production are abundant availability of fertile land and fresh water. Generally, it is assumed that countries that are endowed with these resources should hugely exceed the expected annual yield of rice for rice self sufficiency or food self sufficiency. Countries like Vietnam, Thailand, Pakistan just to mention few are able to achieve signicant success in rice production and they are major global exporters of rice.\nCentral River Region of The Gambia is the region that is most endowed with abundant fertile land and flesh water due to its uniqueness of accupying majority of the flesh water areas of the river Gambia. According to experts, the region has the potential of meeting the rice demand of not only the region but the entire country. However, the Gambia has never been able to attain this even though it had its golden years in the 1980s with the implementation of a rice irrigation project at the Jahally and Pacharr Smallholder Rice Development fields covering 1,474 hectares in the McCarthy Island Division in 1982. In 1998 another rice project called Rice Irrigation Development Project (RIDEP) started to boost irrigated rice production in CRR. These projects constructed the initial irrigation infrastructures of many rice fields in Central River Region such as Jahally Pacharr rice fields, Janjanbureh and Sankulay Kunda rice fields. These fields were provided with pump irrigation facilities with concrete canals to supply fresh water to thousands of hectares thereby facilitating year round production of rice.\nToday, most of the pump irrigated fields in CRR are not in operation as a result of very old and worn out irrigation infrastructures and inability of farmers to provide fuel for pumping\nmachines that are in good condition to pump water from the river to the rice fields. Most of the pumping machines and their irrigation canals were constructed 30 years ago, thus they had serve their useful life time and urgently need major redesigning and reconstruction to enable year round production.\nTo address these major problems in most of the rice fields in CRR, the Government of The Gambia and Islamic Development Bank through the project Building Resilience to Recurring Food Insecurity in The Gambia made available funds for the redesigning and reconstruction of 10 important pump irrigated fields amounting to a total of 264 hectares. These fields are as follows: Faraba Lay 30 hectares, Sankulay Kunda One 34 hectares, Sankulay Two 24 hectares, Sankulay kunda Three 15 hectares, Nema 38 hectares, Moriba Lay 10 hectares, Bansang Bantanto 26 hectares, Bansang North 14 hectares, Dobang kunda 35 hectares and Korop Burko 38 hectares.\nOn the 28th of May 2020, Ministry of Agriculture convened a meeting at Sankulay Kunda rice fields to officially hand over contract documents to the contractor AL Associates thus giving green light for the commencement of works on the fields. The event was attended by Permanent Secretary Ministry of Agriculture, Deputy Permanent Secretary, Nema Project Coordinator, Governor CRR, Regional Agric Director, Chief Lower Fulladou West and representatives of the ten fields.", "domain": "economics"}
+{"url": "http://www.mechsupply.co.uk/how-it-works", "date": "2020-01-28T20:51:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579251783000.84/warc/CC-MAIN-20200128184745-20200128214745-00046.warc.gz", "language_score": 0.9290915727615356, "token_count": 412, "dump": "CC-MAIN-2020-05", "global_id": "webtext-fineweb__CC-MAIN-2020-05__0__102274598", "lang": "en", "text": "How It Works / FAQ\nWhat is Mech Supply?\nMechSupply is a UK company which organises and runs group-buys for the global mechanical keyboard community.\nWhat is a group-buy?\nA group-buy is where a large group of people commit to purchase a product and therefore surpass minimum order quantity (MOQ) requirements and receive discounts for bulk orders.\nWhat if the price changes after I pay?\nIf you join a supply and then the price then falls to a lower amount you will be refunded the difference between the new price and the price you paid for your items.\nWhat if the MOQ isn't hit!?\nIf you make an order for an item and the MOQ is not hit when the group-buy closes, you will be refunded in full. If it is a group-buy with multiple options and not all of your items hit MOQ, you will be given the option whether you want just the items which did not hit MOQ refunded or the whole order.\nDo you ship to my country / how much is shipping to my country?\nUK shipping is free on most items. MechSupply and UKKeycaps ship worldwide. Shipping prices are usually a flat rate and are £3.50 for small items (such a few keycaps) or £6.50 for most parcel sized items. Some items have a different pricing structure to allow child deals to be purchased on their own.\nWhen will I receive my items?\nThe estimated date of arrival is shown on each product page. This is the approximate date the product will be shipped from MechSupply.\nDo I get a say in what group-buys are on MechSupply?\nYes! Sign up the the mailing list to receive emails containing voting forms for which items will next be available.\nI don't want to wait, I want to buy something now!\nCheck out UKKeycaps for a variety of mechanical keyboard items in stock and ready to be shipped to you!", "domain": "economics"}
+{"url": "https://templates.quoters.io/show/3MneUJ4t", "date": "2023-09-24T18:15:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506658.2/warc/CC-MAIN-20230924155422-20230924185422-00881.warc.gz", "language_score": 0.9154832363128662, "token_count": 702, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__171236330", "lang": "en", "text": "In New York on January 12, 2020\nValid until May 27, 2020\nThank you so much for choosing us for the renovation of your offices.\nAs a leading company in the renovation sector, we are excited to work with you for the first time. We hope to continue exceeding your expectations in the future.\nIn this price quote, you can find all the details concerning the renovation to be carried out.\nThis is a price quote for the renovation of a new annex to the current office to house bathrooms and a dining room/office space for the employees of ACME Corp.. Construction will begin on August 6, 2020, and end on the 17th of the same month, coinciding with the closure of the facilities for the summer\nThis quote represents an estimate of the full range of goods and services required to complete construction from start to finish. All materials and labour costs are included in the proposal.\nWe will be in charge of securing any permits deemed appropriate for the construction.\nACME Corp. shall provide the following services:\n|Construction licence||1 month|\n|Prior preparations: acquisition of material, signage, etc.||2 weeks|\n|Construction||7 working days|\n|Final details and cleaning||2 working days|\nThe work will take place at the offices according to the schedule established by the regulations and construction agreement applicable in San Diego with two 30-minute breaks for the workers.\nTo obtain the construction licence, our department will contact the administration of ACME Corp. to request the necessary documentation to submit the application to San Diego City Hall.\nThe space will be delivered completely clean and ready for use by the employees of ACME Corp..\nThe materials to be used in the renovation were already specified in previous meetings and sent to Jane on June 10.\nIn the event that it is not possible to obtain the specified materials, they will be replaced by materials of similar or higher quality.\nThe renovated space will be delivered after it is finished and cleaned.\nThis delivery will mark the start of the warranty.\n|Labour, licences, cleaning service||1||3,387.50||3,387.50|\nThe dining room/office area will have capacity for 18 people.\nAs for the bathrooms, we will build a ladies’ room, a men’s room (both with capacity for three people) and one adapted bathroom. Both the ladies’ room and the men’s room will have a next-generation Dyson hand dryer and towel dispenser.\nIf you wish to extend the warranty to five years, the cost of the extension is 15% of the total cost of the construction.\nThe client shall be liable for any contingencies that arise during construction.\nIn the event of disputes between the parties, the conflict shall be resolved by private arbitration in the province of New York.\nPayment shall be made as follows:\nAll payments shall be made on the date of the invoice.", "domain": "economics"}
+{"url": "http://tyumenneftesintez.com/REFINING.htm", "date": "2017-09-24T17:22:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-39/segments/1505818690112.3/warc/CC-MAIN-20170924171658-20170924191658-00255.warc.gz", "language_score": 0.9435286521911621, "token_count": 3376, "dump": "CC-MAIN-2017-39", "global_id": "webtext-fineweb__CC-MAIN-2017-39__0__156005334", "lang": "en", "text": "industry in Russia is one of the largest in the world. Russia\nhas the largest reserves, and is the largest exporter, of natural gas. It has\nthe second largest coal reserves, the eighth largest oil reserves, and is\nthe largest producer of oil. It is the third largest energy user.\nan average of 10.2 million barrels (1,620,000 m3) of oil per\nday in 2010. It\nproduces 12% of the world's oil and has a same share in global oil exports. In\nJune 2006, Russian crude oil and condensate production reached to the\npost-Soviet maximum of 9.7 million barrels (1,540,000 m3) per\nday. Exceeding production in 2000 by 3.2 Mbbl/d (510,000 m3/d).\nRussian export consists more than 5 Mbbl/d (790,000 m3/d)\nof oil and nearly 2 Mbbl/d (320,000 m3/d) of refined\nproducts, which go mainly to the Europe market. The domestic demand in 2005 was\n2.6 Mbbl/d (410,000 m3/d) in averaged. It is also the\nmain transit country for oil from Kazakhstan.\nRussia is by far\nthe world's largest natural gas exporter. Most,\nbut not all authorities believe that Russia has the world's largest proven\nreserves of natural gas. Sources that consider that Russia has by far the\nlargest proven reserves include the US CIA (47.6 trillion cubic meters), the\nUS Energy Information Administration (47.8 tcm), and OPEC (48.7 tcm). However,\nBP credits Russia with only 31.3 tcm as of 1 January 2014, which\nwould place it in second place, slightly behind Iran (33.1 to 33.8 tcm,\ndepending on the source). In addition to having the world's largest proved\nreserves of natural gas, according to US Geological Survey estimations, Russia\nis also likely to have the world's largest volume of still-undiscovered natural\ngas: a mean probable volume of 6.7 trillion cubic meters. The USGS estimate of\nRussia's undiscovered oil is 22 billion barrels, second in the world only to\nthose of Iraq.\nThe Russian oil\nindustry claims to be in need of huge investment. Strong\ngrowth in the Russian economy means that local demand for energy of all types\n(oil, gas, nuclear, coal, hydro, electricity) is continuing to grow.\nFIRST REFINERY OF RUSSIAN FEDERATION-MENDELIEV\nRUSSIAN BENCHMARKSOF BLACK GOLD The Russian crude oil brands and their future on the global markets\nCurrently traded at the global markets are threeoil markers and several dozen \"regular\" brands, of which Russia\naccounts for six: Urals, Siberian Light, Sokol, Vityaz, REBCO and ESPO.\nHowever, two brands - Urals and ESPO - stand good\nchances for getting marker status in the foreseeable future.\nOil recipe of success\nNeedless to say that the chemical properties of\ncrude oil delivered to the global markets varies depending on the region and\neven a field where it was produced. Therefore, in order to distinguish between\nvarious crude oils they were divided into brands with gravity and sulfur\ncontent being the major criteria. Hence, the lower are the gravity and sulfur\ncontent the higher is the quality of a crude oil.\nEach oil-rich country features its own one or\nseveral brands of \"black gold\". Normally a brand is tied to an oil\nfield (or a cluster of similar oil fields) if such crude goes straight to\nexport. In case crude oils from several fields are mixed in a pipeline to be\nsold as a blend the brands are tied to either a pipeline or a port.\nIt has been a common practice world-wide to use\nprimary benchmarks or marker oils as a pricing basis for all other grades (by\nmeans of premium or discount). Dominating the global oil markets are Brent and\nWTI, which are traded at InterContinental Exchange (ICE) in London and New York\nMercantile Exchange in New York accordingly. In should be noted though, that\nwhile WTI used to trade at a premium to Brent (about $1/barrel), in 2010 the\nUSA markets were invaded by the Canadian \"synthetic\" crude oil and\nthe situation changed dramatically - now WTI trades at a significant discount\nto Brent with the spread exceeding $10. The third primary benchmark is Dubai\nCrude that has a vast spot market and is used as a yardstick against which all\nexport brands from the Persian Gulf are priced.\nAs such, currently traded at the global markets\nare three oil markers and several dozen \"regular\" brands, of which\nRussia accounts for six: Urals, Siberian Light, Sokol, Vityaz, REBCO and ESPO.\nThe major Russian oil brand is Urals - the\nexport blend, which is still used for pricing bulk of the Russian \"black\ngold\" going to the global markets. This brand is a marriage of the heavy\nsour crude oil from the Urals and the Volga Regions - mostly Tatarstan and Bashkortostan\n(with sulfur reaching 3%) - and Siberia Light produced in the Khanty-Mansiysk\nAutonomous Area (sulfur content 0.6%).\nQuality as top priority\nBecause of the presence of the sour crude Urals\nis not highly regarded in terms of quality. And it is discounted to Brent\n(normally at $1-2 per barrel). Naturally, neither Russian government nor\nRussian oil companies are happy about that - they lose billions in dollars each\nyear owing to such discount. At first, they attempted to solve it by splitting\nheavy crude oil from the Volga regions and the light crude from the\nKhanty-Mansiysk Autonomous Area to introduce Siberian Light, a new brand for\nthe global markets. With the quality as high as the Brent's Siberian Light\ncould have helped avoid discount losses.\nHowever, that option turned out to be\ntechnically unfeasible due to the absence of the alternative pipeline capacity.\nAnother option was to use the railway for the new brand transportation (RITEK\nfirm even gave it a try) but at the current railway tariffs the price would be\nlikely to hit the ceiling. As such, a decision was made to either improve the\nquality of the heavy Volga crude oil or exclude it completely from the export\nstream and refine it on spot. As a result of this quest in 2005 an initiative\nwas launched at the federal level to build a cluster of refineries and\npetrochemical plants in Tatarstan, and in 2011 JSC TANECO (Nizhnekamsky\nrefinery) added 7 million tons of capacity to the existing 9 million tons of\nJSC TAIF-NK. Moreover, in June 2012 the top management of JSC Tatneft (which\nowns 91% of TANECO) confirmed that, subject to the RF Government support, the\ncapacity of the new refinery complex might be increased from 7 to 14 million\nTherefore, in the middle term the quality of the\nUrals blend may be significantly improved to become equal with Brent benchmark.\nMore importantly, the improved Russian brand may, with time,\n\"dethrone\" the North Sea crude. The fact is that as a result of the\nNorth Sea oil fields depletion (the peak production rate was achieved in 1984)\nthe Brent's share on the global market dwindles and it becomes increasingly\ndistant from the actual situation on the trading floors. The Urals' production\nrate remains high and this brand may, subject to the quality improvement, substitute\nBrent in the benchmarks' group.\nThe Russian transportation companies are working\nto make it happen - Summa Capital Group plans on building, with Transneft's\nsupport, a transshipment terminal for Urals in Rotterdam thus establishing a\ndedicated trade floor for this brand and helping it acquire an independent\nprice status. Although this project still has several years to go (the\nRotterdam terminal is scheduled for commissioning in 2015) Platts already\nregards Urals the second best (after Brent) brand traded on the European\nAs for Siberian Light and REBCO - they were both\ndesigned to resolve the so called \"Urals problem\" as mentioned above.\nHowever, Siberian Light has been in rather scarce supply on the global markets\ndue to the absence of the alternative ways of transportation.\nAnother attempt to boost the Urals price was the\nintroduction of REBCO (Russian Export Blend Crude Oil), which was close to\nUrals in terms of the composition but meant exclusively for open trade, also\nfailed. The new brand was first offered at NYMEX (CME Group) in 2006 to meet\npoor demand and now is traded out of formality rather than commercial\nDevelopment of the Sakhalin oil and gas fields\nadded two more brands to the Russian crude product range - Sokol (Sakhalin-1)\nand Vityaz (Sakhalin-2). However, these brands are primarily supplied to the\nAsia-Pacific Region and, therefore, not offered at the Western Europe markets.\nIt explains why the Urals, Siberian Light and REBCO prices are directly\ndepended upon the Brent quotations while Sokol and Vityaz prices are driven by\nThe quality of the two new brands is rather high\n- Sokol is the best Russian crude oil. The more so, it tops Brent and WTI not\nto mention Dubai Crude. Despite all that it stands very poor chances to become\na new global benchmark because the Sakhalin crude production and export volumes\nare clearly too small to make it an equal rival to the current leaders.\nBesides, there is a new brand, also Russian by the way, that may challenge the \"big\nthree\" domination. This brand is ESPO.\nESPO: new horizons\nESPO (Eastern Siberian Pipeline Ocean) is the\nyoungest Russian crude oil brand, it first appeared on the global markets in\nlate 2009. It is produced in Western and Eastern Siberia and moved via ESPO\npipeline to the Far East of Russia (port of Kozmino, Primorsky Area). Never\ngetting blended with the heavy crude from Tatarstan and Bashkorostan it is\ntherefore better than Urals.\nAs such, the new brand has been increasingly\nwell received in the Asia-Pacific Region, where ESPO is primarily supplied to.\nWhile the first batch was sold (in December 2009) with a $0.5 discount to Dubai\n(the benchmark for ESPO price determination) in early 2011 the Eastern Siberian\ncrude oil was traded with a premium of $2.2 to Dubai. The sales areal has been\nrapidly expanding as well, and just in several months after the ESPO debut on\nthe market it was welcomed in the most of the Asia-Pacific Regions countries\nBulk (80%) of ESPO is purchased by oil traders\nwith one third of it by companies associated with G. Timchenko (Gunvor, Warly\nInternational, IPP). The direct consumers (which account for over 20% of\ndeliveries) include BP, Shell, Chevron, Nippon, Total, Petronas, PetroVietnam.\nThe Russian exporters include Rosneft, Surgutneftegaz, Gazprom and TNK-BP.\nIn 2011 Russia began supplying ESPO to China via\na branch from ESPO pipeline in the vicinity of Skovorodino. Under the bilateral\nagreement between Russia and China the former shall deliver 15 million tons of\ncrude oil per annum during 20 years between 2011 and 2030. This is about 8% of\nthe current Chinese exports or nearly 10% if inclusive of the volumes transported\nby sea from Kozmino.\nIn 2010, the share of ESPO at the Asia-Pacific\nRegion market was about 1.5% but the commissioning of the branch pipeline to\nChina helped increase this share to 3%. In other words, it took ESPO brand only\ntwo years to win a solid standing in the Asian markets.\nThus, ESPO is likely to continue succeeding on\nthe global markets because of its advantages over the crude oil from Persian\nGulf. First, ESPO quality is better than that of both benchmark Dubai and\nfairly popular Oman - it is sweater, which benefits refineries because\ndesulfurization is a complex and costly process driving the fuel prices\nupwards. Second, ESPO is closer in terms of transportation time and distance,\nwhich is good for price. It takes a Middle East crude 2-3 weeks to reach a\nbuyer as opposed to the Eastern Siberia crude, which can be delivered within\n3-5 days. A better delivery time means higher flexibility of the Russian\ndeliveries. Third, it is clearly to ESPO's advantage that the Asia-Pacific\nRegion countries are striving to diversify their oil imports. All that gives\nreasons to believe that the Russian share in the oil imports by the largest\ncountries of the Asia-Pacific Region may reach 15-20%.\nIn view of the forgoing it would be safe to\nassume that ESPO has come very close to becoming a new benchmark in the\nAsia-Pacific Region market. According to the global market rules to accomplish\nthat goal Russia should be able to comply with two primary criteria:\nsustainability of deliveries and relatively high sales. As for the first\ncriteria - pipelines are by far more reliable means of transportation than\ntankers, especially in light of the fact that ESPO pipeline does not cross any\nborders thus effectively excluding any transit-relating problems (for instance,\nthe Ukrainian gas transit standoff). Of course, one should not completely rule\nout the possibility of the pipeline accidents, which (according to the third\nparty technical supervision reports outlining numerous regulatory violations\nduring the ESPO pipeline construction) appear quite probable. Anyway, I want to\nbelieve that any accident would be repaired as soon as possible to resume crude\noil movements via the Eastern Siberian pipeline (such repair will, no doubt,\ninclude environmental impact mitigation).\nAs for the second criteria, to become a\nbenchmark any brand should have at least 10% of the market. The estimated\ncapacity of the Asia-Pacific Region market, where major buyers include China,\nJapan and South Korea, is 520-550 million tons.\nHence, volume of the benchmark deliveries should\nbe at least 50 million tons. Platts are sharing these views - they even say\nthat 30 million tons would do providing there are no drastic changes in\nquality. In any case, 50 million tons should be used as a base case scenario\ncoupled with the fact that the Asia-Pacific Region market is gradually growing.\nAnd ESPO sales can reach this critical threshold\nbecause Transneft intends to commission the second phase of ESPO pipeline\n(ESPO-2), expand the transshipment capacity of Kozmino terminal from 15 to 30\nmillion tons per annum and increase the throughput capacity of the pipeline\nsection between Tayshet and Skovorodino (ESPO-1 Expansion) to 50 million tons.\nIt should be noted though that the required linefill volumes would not be available\ntill 2014 when the major ESPO supplier Vankorskoye field currently producing 15\nmillion tons is scheduled to reach the designed production rate (25 million\ntons). It is only after that when Russia will be able to formally nominate ESPO\nIt means that the Russia's third attempt to\nestablish the internationally recognized crude oil brand may finally be\nsuccessful. It is now imperative that Russia does not miss this chance and\nworks consistently to secure the required crude oil exports volumes and takes\nreasonable approach towards trade with its eastern neighbors.", "domain": "economics"}
+{"url": "http://www.cybersecuritydegree.me/2014/01/cybersecurity-salaries.html", "date": "2018-10-18T22:54:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583512015.74/warc/CC-MAIN-20181018214747-20181019000247-00007.warc.gz", "language_score": 0.9628056883811951, "token_count": 224, "dump": "CC-MAIN-2018-43", "global_id": "webtext-fineweb__CC-MAIN-2018-43__0__190908035", "lang": "en", "text": "How much do cybersecurity jobs pay?\nData security analysts to be between $89,000 and $121,500 in 2012 and a systems or network security administrator’s wages to be between $85,000 and $117,750 (survey by Robert Half Technology).\nThe same survey estimated that a network architect makes between $95,500 and $137,000 in 2012.\nWeb developers make between $61,250 and $99,250 in 2012, according to the survey\nThe median annual wage of information security analysts, web developers, and computer network architects was $75,660 in May 2010. The median wage is the wage at which half the workers in an occupation earned more than that amount and half earned less. The lowest 10 percent earned less than $43,190, and the top 10 percent earned more than $119,940.\nMost information security analysts, web developers, and computer network architects work full time. Information security analysts sometimes have to be on call outside of normal business hours in case of an emergency at their organization. (source: US Dept. Of Labor)", "domain": "economics"}
+{"url": "http://www.silagra-100mg.com/silagra-india/", "date": "2013-12-07T12:32:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386163054424/warc/CC-MAIN-20131204131734-00053-ip-10-33-133-15.ec2.internal.warc.gz", "language_score": 0.9400717616081238, "token_count": 168, "dump": "CC-MAIN-2013-48", "global_id": "webtext-fineweb__CC-MAIN-2013-48__0__19977131", "lang": "en", "text": "Silagra is produced by Indian manufacturer Cipla. So, what do we know about pharmaceutical industry in India?\nThe Indian Quality Standards are very close to the WHO standards and there are over 2,500 manufacturers in India that are very tightly controlled. There is a death penalty for faking/counterfeiting drugs and the entire industry is about US$40 billion in size.\nMost reputable pharmaceutical companies have their factories in India: Ranbaxy, Cipla, Pfizer, Dr.Reddy’s, Novartis, Merck, Ajantha, GSK, Sanofi-Aventis and 10s of others. The Indian subcontinent has the largest number of USFDA approved factories outside the USA in the world and the Indian pharmaceutical industry is a very strong force to reckon with.", "domain": "economics"}
+{"url": "http://hickman-lowder.com/hickman-lowder-weblog/30-disabilities/389-able-act", "date": "2017-04-27T12:53:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917122167.63/warc/CC-MAIN-20170423031202-00182-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9687604308128357, "token_count": 265, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__129376286", "lang": "en", "text": "Congress has passed the Achieving a Better Life Experience (ABLE) Act this week, which promises to help individuals with disabilities and their families save for disability-related expenses and proactively plan for their futures. The ABLE Act would allow a single tax-free savings account to be established for individuals who were disabled before the age of 26.\nThese individuals could save $14,000 per year to pay for future health-care costs, housing, lifelong education, transportation, and other necessary expenses. Such accounts would resemble 529 college savings plans and anyone would have the opportunity to contribute to them, as long as total contributions do not exceed $14,000 annually. Additionally, individuals would not forfeit their eligibility for Medicaid, Social Security Income (SSI), or other governmental benefit programs as would be the case under existing law. ABLE accounts are meant to supplement and not replace these benefits, though it should be noted that if the account surpasses the maximum amount of $100,000, then SSI payments would be suspended. Funds remaining in the account at the death of the beneficiary must be paid to the state up to the amount of Medicaid benefits provided after the account was established. The bill will now be sent to President Obama, who is expected to sign it.\n- Posted by Hickman & Lowder Staff", "domain": "economics"}
+{"url": "http://www.babalrayanco.com/main.php?strLang=en", "date": "2017-04-26T03:54:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121153.91/warc/CC-MAIN-20170423031201-00048-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9696786403656006, "token_count": 122, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__173267544", "lang": "en", "text": "Bab Al Rayan was established in Kuwait in 2004. The objective of starting the company was to meet the demands of the fast growing Kuwaiti national market and to have better solutions for the problems prevailing in the field of Aluminum and Steel works.\nToday Bab Al Rayan is recognized in the national market by its creative artwork in the field of Aluminum and steel works. Almost all of the architectural units fabricated are custom designed to meet and fulfill the customer requirements. Our expert and dedicated design and manufacturing team is fully dedicated for the constant product up gradation in line with the new trends and developments in the market.", "domain": "economics"}
+{"url": "https://metrohairtransplantindia.com/cost-of-hair-transplantation/", "date": "2021-03-04T22:35:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178369523.73/warc/CC-MAIN-20210304205238-20210304235238-00511.warc.gz", "language_score": 0.929536759853363, "token_count": 2751, "dump": "CC-MAIN-2021-10", "global_id": "webtext-fineweb__CC-MAIN-2021-10__0__213889197", "lang": "en", "text": "Cost of Hair Transplantation\nHAIR TRANSPLANT COST\nCost is the crucial factor that can affect your decision of undergoing hair transplantation. Many people believe that hair transplant is the most expensive treatment but the fact is that it is a beneficial investment for a fuller head of hair.\nClinics offering hair restoration services differ on the basis of procedures, quality and cost, so running behind only cheap hair transplants can be a wrong decision for restoring your looks , so there is need to understand the cost factor of this surgical procedure so that you can take a rational decision.\nCost of Hair Transplant in India is not fixed; it can vary from patient to patient according to the needs and expectations. The factors that can affect the hair transplant cost in India are;\n- The extent of baldness\n- Area to be treated during surgery\n- Number of grafts to be extracted and implanted\n- Number of sessions required for compete procedure\n- Cost calculating policy of clinic\n- Per graft cost variation\n- Selection of clinic and surgeon for treatment and the reputation of the clinic\n- Method applied for transplantation\n- Technology used for surgery\n- Additional treatment given like PRP THERAPY however some clinics offer one free session of PRP THERAPY\n- Cost can be higher if the clinic also offers the financing facility according to the rate of interest charged\nSo it can be said that cost can vary according to individual’s requirement for instance if a patient has level 2 or above Norwood scaling baldness, then the cost of the treatment can be higher. For Norwood scaling of level 1 or 2 baldness, cost can be less whereas it can be higher for level 3 and it is calculated per graft.\nFor higher levels like 5 and 7, cost of treatment is calculated in lump sum so it can be higher according to cost calculation policy of clinic\nIn India, cost per graft is Rs 25-30 so in total it can vary from Rs 40,000- 80,000, depending upon this range generally clinics calculate the cost by multiplying the total number of grafts transplanted with cost per grafts.\nHowever some other costs are also included in the total cost of treatment like\n- Surgeon fee\n- OT charges\n- Accommodation charges\n- Medications given\n- Documentation or registration charges\n- Some clinics also add consultation fee in total cost\n- In few clinics, there are also some other hidden costs included in the total cost\nOptions/Techniques of Hair Transplantation in India\nWhen it comes to hair restoration options in India, there are a variety of techniques and therapeutic approaches that can be considered to restore a patient’s hair. Both these hair restoration approaches are conducted with absolute expertize and excellence to deliver the best services and natural results.\nBasically, there are two techniques of hair restoration known as Follicular Unit Extraction (FUE) and Follicular Unit Transplantation (FUT). With time, these techniques have become revolutionary with the fact that there are millions of males and females who seek to restore their hair surgically.\nFollicular unit transplant (FUT)\nIn this method surgeons extract the strip of hair bearing skin from the permanent zone of the scalp, generally taken from the back scalp. Strip of less resistant hair follicles is dissected in normal grouping of hair 1-4 and then transplanted in the bald portions according to requirement. In this method there is need to close with stitches the donor area after extraction\nFollicular unit extraction (FUE)\nIn this method follicular units are picked and extracted individually from the donor part on the basis of best quality and then transplanted in the recipient area at adequate depth, distance and angle to give natural appearance to patient.\nGenerally clinics charge higher in case of FUE method.\nAt metro hair transplant centre, you can have affordable treatment as we provide free consultation, use technology that not only improve results but also cut down the cost of procedure.\nNo hidden cost is charged from the patients and you can even get a cost estimation prior to the transplantation surgery.\nOur cost is calculated on the basis of the number of the grafts. We highly believe in transparency, so no hidden costs are taken from the patients. Infect patients can enjoy many benefits included in the cost\nBenefits included in the cost\n- Free accommodation\n- Medical expenses\n- Charges for all transfers\n- Hair care products\n- 24/ 7 care\n- PRP therapy\nYou can get the best hair transplantation prices from us with the extra benefits of choosing India’s best centre. Choosing the certified and well known clinic can give the benefit of best treatment and care during the stay. We take care for the sterile environment and use of ISHRS approved equipment while the restoration procedures and each surgery is performed by experienced surgeon with the team of certified doctors and nurses.\nThe Bio-FUE technique is an advancement of FUE and PRP therapy. During the BIO-FUE procedure, the hair follicles are extracted and implanted under the FUE protocols.\nThe surgeon may choose to extract a patient’s blood before or after the surgery. After extracting the blood, it is introduced to the centrifugation process where a rich serum is derived.\nThis serum consists of a stronger healing composition that is able to stimulate more hair growth.\nThis serum is injected into the recipient region to attain a fuller head and pleasant hair results.\nDirect Hair Implantation (DHI)\nDuring this technique, hair follicles are individually extracted and then implanted directly without storing them in a saline solution. The procedure allows a patient to enjoy natural results since there is no strip made.\nAlso, there is no shaving, scalpels, or stitches.\nThe DHI procedure utilizes a DHI implanter to implant each hair follicle in a specific angle, direction, and depth while observing the natural hairline.\nAn Estimation of the Hair Transplant Cost in India\nAn estimation of the hair transplant cost in India can be provided as below since each patient’s hair restoration requirement differ significantly. One’s hair transplant cost may differ depending on;\n- The level of hair loss or baldness\n- The city, or hair transplant centre selected\n- The type of technique to be used\n- Premium or standard packages\n- Laboratory or additional charges\n- Number of sessions or sittings\nAll in all, Metro hair transplant centre offers cheapest hair transplant in India without compromising with the desired natural results. An estimation of the hair transplant in India can be illustrated as below;\n|No.of hair follicles||FUE Technique (Rs) Cycle||FUT Technique (Rs)||No. of Sittings|\n|500 & Below||45,000||40,000 & below||1|\n|3600 & Above||5,00,000 & Above||4,80,000 & Above||3-|\nFacts About Hair Transplantation in India\n- In a survey, according to ISHRS, an increment of 64% in hair transplant procedures was realized in 2016\n- Over-the-counter drugs to reverse hair loss are being foregone by at least 80% of men and women to attain hair transplant procedures for permanent hair restoration\n- India is one of the leading hair transplant destinations in the world, with a tag of the “cheapest hair transplant cost in India” and technical innovations than in other countries.\n- The world-class developments in the hair restoration sector like ARTAS “Robotic FUE hair transplant” are seen as ideal options for combating baldness in 80% of males and females\nA Comparison of Hair Transplant Cost in India & Other Developed Countries\nAs we all know that the hair transplant cost is basically determined by the cost of a single graft, many patients find themselves frustrated with the total cost of their hair transplant procedure.\nBefore you opt to fly to another country for a hair transplant, here is an overview of the graft cost in India and in other countries .\n|Technique||Cost per graft in UAE (RS)Cycle||Cost per graft in Turkey (RS)||Cost per graft in USA (RS)||Cost per graft in UK (RS)||Cost per graft in Singapore||Cost per graft in Mexico (RS)(Rs)||Cost per graft in Thailand (RS)||Cost per graft in India (RS)|\nFrom the above-illustrated table, you are able to ascertain that the hair transplant cost in India is much more affordable and cost-effective compared to other countries.\nIn some cases, the cost per graft shouldn’t be the main determinant for a hair transplant since it significantly scares away patients.\nThe main factors that influence the hair transplant cost in India and in other countries\nThe following are some of the main factors that influence a hair transplant cost;\n- The Country\nMany of the developed countries, including the developing countries provide hair transplantation. India is recommended as the top destination for hair transplant due to technological advancement and cost-effectiveness.\n- Expertise and Experience\nWorldwide, India is known for its extreme expertise, dedicated surgeons, and competence. With that, India comes first in terms of medical tourism including hair transplantation. When compared to other countries like USA and UK, India’s experienced surgeons charge less, yet provide world-class services.\n- Hair Transplant Centres\nThere are both growing and already developed hair transplant centres in India and all over the world. Developed hair transplant centres or clinics charge more than the developing centres due to popularity, facilities, and expertise.\n- Techniques & Technology\nCurrently, the hair transplant sector is driven by technology because of the desire to attain natural results. Hair transplant centres that provide the robotic hair transplant procedures happen to charge higher prices due to the technology involved in the procedures.\n- The growing market\nThe hair transplant sector/market is recorded to be growing at the fastest rate as compared to the last 2 decades. This is because of the high levels of hair loss and the desire to recover hair plus the natural looks.\n- Persuasive packages\nIn India and all over the world, hair transplant centres and clinics provide various packages that depict a slight reduction in hair transplant costs. This acts as a booster for patients to attain the services.\nWhy get a Hair transplant in India & at Metro hair transplant centre?\n- Premium expertize\n- Excellent technical approaches\n- There is no need to worry about the FUE cost in India due to various packages available\n- Assured natural results\n- No or minimal graft wastage\n- Reliable speed, effectiveness, and highly experienced surgeons\nFrequently Asked Questions\nWhether I have to pay before the treatment?\nOur payment procedure is simple and transparent that does not include any pre-payments. Patients are asked to pay at the clinic after their consultation with the operating specialist.\nIf you are visiting us from overseas then you can consult our specialist on phone then as per the telephonic conversation you have to pay some percentage of the treatment cost in advance for the booking of surgical date however this percentage will be adjusted at the time of full payment for the treatment.\nWhat is mode of payment?\nCash payments are accepted and prices are quoted in Indian currency, if you want to pay in any other currency then payment can be paid as per the daily conversion rate. Even payment can be done by debit or credit card if you are from other country and want to pay by card then charge will be converted to local currency after adding the additional taxes and fees for conversion.\nAre there any other hidden expenses?\nWe believe in transparent payments so there are not any hidden charges taken from you all the accommodation, transportation, medical and other facilities as explained above are included in cost.\nBringing cash or valuables is safe?\nWithout any fear you can bring your belongings as our center provides a transport facility which is safe and even while staying in room safety has been taken care of as one has to access magnetic card for visiting patient floor and room.\nIs there any arrangement to stay?\nYes there is comfortable arrangement for the patients especially that visitor from locations other than local. Each patient’s room is comfortable with specially designed bed and attached bathroom. In few cases we arrange hotels without any extra cost.\nHow many grafts will you transplant?\nCount of grafts is determined by the specialists on the basis of extent of baldness and condition of donor area. Harvesting and extracting too many grafts can lead to permanent damage of scalp so during the pre consultation session a closest estimation for grafts is given by the specialist and after the surgery exact number of implanted grafts will be given to you.\nWhere will my transplantation surgery take place?\nThe actual treatment is done in highly sterile operating room of the center with the ISHRS approved and sterile equipments. After the surgery patient can stay at the patient rooms in the same premises.\nWill I need to purchase additional medication or hair care products after the transplant?\nPatient will be given all the essential medication and hair care products after the treatment including the shampoo, lotion and a hat. Even package of the anti inflammatory medication will also be given; these all will be included in the quoted prices. However other products if needed can be purchased with the discount from the centre.", "domain": "economics"}
+{"url": "http://www.finalstory.org/differences-between-private-and-public-insurance-for-addiction-treatment/", "date": "2019-03-18T19:36:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912201672.12/warc/CC-MAIN-20190318191656-20190318213656-00082.warc.gz", "language_score": 0.9495729207992554, "token_count": 617, "dump": "CC-MAIN-2019-13", "global_id": "webtext-fineweb__CC-MAIN-2019-13__0__63778856", "lang": "en", "text": "Differences Between Private and Public Insurance For Addiction Treatment\nDespite being a manageable health condition where complete remission is possible and an increase in treatment options, the stigma surrounding mental health and substance use disorder has remained constant. Addiction affects many facets of an individual’s functioning and a good treatment program focuses on many dimensions of their life and includes any number of components that may change over the course treatment and recovery. Such components of treatment may include:\n- A medically supervised detoxification\n- A comprehensive medical and psychiatric screening by licensed and certified staff members\n- Medications that counter the need for mood or mind-altering substances\n- Cognitive behavior therapy (CBT)\n- Group Therapy and peer support programs as well as family therapy\n- Inpatient or outpatient clinic to long-term residential facility services\n- Life skill training\nNow, an effective treatment regimen that addresses prevention and relapse management, including regular monitoring of individual progress may be off-putting to many addicts because it requires some sort of payment. Additionally, obtaining insurance for drug rehab may also not seem like a financially sound thing to do, especially when the only thing they need it for is to seek treatment for addiction. According to the National Survey on Drug Use and Health, people struggling with any form of substance use disorder do not receive treatment because they lack health insurance coverage.\nAddiction is considered a diagnosable and treatable disease and an essential health benefit under the new health care laws, and it is illegal for insurance companies to refuse coverage for patients because of addiction. Private insurance plans such as those offered by Aetna insurance for drug rehab, Cigna insurance for drug rehab and United insurance for drug rehab will typically cover assessments, detoxifications, outpatient treatment and inpatient or residential treatment among other services.\nSuch insurance plans use specialty treatment, particularly for individuals with severe alcohol and drug use disorders. Unlike group or public insurances, private insurance plans are acquired independently either through a person’s employer or member association and offer more options for various types of treatments. They fall into either HMO plans, PPO plans, and Point-of-Service plans.\nPublic insurance plans are state- or government-funded and are ideal for individuals who may not be able to acquire or purchase a private insurance plan such as low-income families or unemployed individuals. Private insurance plans have eligibility requirements, for instance, you either need to be on a state-funded Medicaid (government-regulated public insurance benefit) to prove that you can’t afford private insurance or are receiving Social Security Income (SSI). Individuals who are 65 and older and on Medicare, also a federally funded public insurance program, are eligible for public insurance plans to help them seek treatment for their addiction.\nNote that even though covered by a private or public insurance plan for addiction treatment, the percentage paid by an insurance carrier may vary according to each state, the plan, and the treatment center. Also, some plans may cover the entire bill after deductibles, while others will only pay for part of the treatment.", "domain": "economics"}
+{"url": "https://www.ksfmlaw.com/2013/09/04/another-big-day-for-same-sex-marriage/", "date": "2021-10-22T09:25:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585504.90/warc/CC-MAIN-20211022084005-20211022114005-00711.warc.gz", "language_score": 0.9802421927452087, "token_count": 538, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__67682785", "lang": "en", "text": "In the most important news for same-sex couples since the Supreme Court struck down the Defense of Marriage Act (DOMA) in June, the Internal Revenue Service issued a press release on August 29 stating that it has ruled that, for federal tax purposes, all same-sex couples who married legally in jurisdictions that recognize their marriages will be considered married. That means that a same-sex couple who married in, say, the District of Columbia but lives in Virginia will be considered married by the IRS, even though the state of Virginia does not recognize same-sex marriages (or same-sex relationships of any sort).\nIn other words, married same-sex couples will have the same legal rights and obligations under the Internal Revenue Code as heterosexual couples, regardless of where that same-sex couple lives. The will have to file their 2013 taxes – jointly or separately – as married and incur the benefit or “marriage tax,” depending on their particular circumstances, of filing in that status. They will also now be able to put their same-sex spouses on their employer-provided health insurance with the two-fold tax benefit of (1) not having to pay taxes on the health insurance premium subsidy provided by their employer for their spouse’s insurance and (2) having the employee share of the health insurance premium for their spouse’s coverage, like the premium for the employee’s coverage, taken out of pre-tax income. To name a few other consequences, if a same-sex couple divorces, the couple will be able to divide, transfer, and retitle property without tax consequences, and when a spouse dies, the part of the estate going to the surviving spouse will not be subject to estate taxes.\nEven before the IRS ruled on the question, it was clear that married same-sex couples living in states like Maryland and Massachusetts, which recognize their marriage, would be treated the same for tax purposes as heterosexual couples – one of the most important consequences of the Supreme Court’s decision in U.S. v. Windsor, striking down DOMA. What was not clear was whether married same-sex couples living in states that do not recognize their marriage would be considered married for federal tax purposes. For them, the IRS ruling is huge.\nIn its August 29 ruling, the IRS also made clear that same-sex couples who married in previous years and want to amend their tax returns to change their filing status to married can do so “for one or more prior tax years still open under the statute of limitations.” They can also seek refunds for taxes they would not have paid if their marriage had been considered legal.", "domain": "economics"}
+{"url": "http://ir.cdevinc.com/news-releases/news-release-details/centennial-resource-development-inc-announces-first-quarter-2017", "date": "2023-11-29T14:20:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100112.41/warc/CC-MAIN-20231129141108-20231129171108-00807.warc.gz", "language_score": 0.8975216150283813, "token_count": 331, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__14726032", "lang": "en", "text": "DENVER, April 26, 2017 (GLOBE NEWSWIRE) -- Centennial Resource Development, Inc., together with its affiliates (“Centennial” or the “Company”) (NASDAQ:CDEV), announced today that it will report first quarter 2017 financial and operating results after the market closes for trading on May 10, 2017. Management will host an earnings conference call on May 11, 2017 at 8:00 a.m. Mountain (10:00 a.m. Eastern). Interested parties are invited to participate on the call by dialing (800) 789-3525, or (442) 268-1041 for international calls, (Conference ID: 11411705) at least 15 minutes prior to the start of the call or via the internet at www.cdevinc.com. A replay of the call will be available on Centennial's website or by phone at (855) 859-2056 (Conference ID: 11411705) for a 14-day period following the call.\nAbout Centennial Resource Development, Inc.\nCentennial Resource Development, Inc. is an independent oil and natural gas company focused on the development of unconventional oil and associated liquids-rich natural gas reserves in the Permian Basin. The Company’s assets and operations, which are held and conducted through Centennial Resource Production, LLC, are concentrated in the Delaware Basin, a sub-basin of the Permian Basin. For additional information about the Company, please visit www.cdevinc.com.\nDirector, Investor Relations\nCentennial Resource Development", "domain": "economics"}
+{"url": "https://www.coreredevelopment.com/indy-redevelopment-company-buys-deming-center-for-800k/", "date": "2021-10-21T08:53:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585382.32/warc/CC-MAIN-20211021071407-20211021101407-00325.warc.gz", "language_score": 0.9589006304740906, "token_count": 292, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__181159063", "lang": "en", "text": "Indy Redevelopment Company Buys Deming Center for $800K\nArthur Foulkes | TRIBUNE-STAR\nCore Redevelopment, an Indianapolis company that specializes in rehabilitating historic buildings for modern residential use, has purchased Terre Haute’s downtown Deming Center.\nThe Terre Haute Housing Authority board of directors voted earlier tonight to accept a purchase agreement with Core for $800,000.\n“We are excited about the opportunity to come over and give the Deming Center its next life,” said John Watson, CEO of Core. The company will start renovations as soon as the building is vacant, he said.\nWatson told the board, which approved the sale without opposition, the building will be mostly utilized as housing for Indiana State University students. The ground floor will contain commercial businesses, he said.\nPresently, the Deming Center, which is at Sixth and Cherry streets, contains 109 apartment units occupied by Housing Authority tenants. The building is officially owned by the Low Income Housing Development Corp., a not-for-profit arm of the Housing Authority.\nJeff Stewart, executive director of the authority, said Deming Center tenants should be moved out of the building by the end of the year or by the end of January 2015 at the latest. Most of the tenants will be moving to Warren Village, a new Housing Authority-managed property on North 25th Street.", "domain": "economics"}
+{"url": "http://mortgage.chainbridgebank.com/PageContent.aspx?PageID=50", "date": "2017-03-29T07:10:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218190234.0/warc/CC-MAIN-20170322212950-00423-ip-10-233-31-227.ec2.internal.warc.gz", "language_score": 0.8953911662101746, "token_count": 132, "dump": "CC-MAIN-2017-13", "global_id": "webtext-fineweb__CC-MAIN-2017-13__0__19954014", "lang": "en", "text": "The Nationwide Mortgage Licensing System & Registry (“NMLS”) is the system of record for all federal registrations required of federally regulated mortgage loan originators.\nMortgage loan originators employed by federally insured or chartered institutions must meet all requirements of the federal registration process. An “active” status indicates that the mortgage loan originator currently meets all those requirements.\nChain Bridge Bank, N.A. NMLS Number: 405543.\nMortgage Loan Officer Joseph Nelson NMLS Number: 368727.\nMortgage Loan Officer Marv Stanger NMLS Number: 189967", "domain": "economics"}
+{"url": "https://hindimai.net/business-liability-insurance/", "date": "2023-09-22T09:31:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506339.10/warc/CC-MAIN-20230922070214-20230922100214-00577.warc.gz", "language_score": 0.9321155548095703, "token_count": 1175, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__70459211", "lang": "en", "text": "Discover the importance of business liability insurance in safeguarding your enterprise. Get insights into coverage, benefits, and FAQs in this comprehensive guide.\nIn the unpredictable world of business, uncertainty is the only certainty. Every entrepreneur knows that success comes with its fair share of risks. From unexpected accidents to unforeseen lawsuits, the challenges can be daunting. This is where business liability insurance steps in as a safeguard for your enterprise. In this article, we’ll delve into the intricacies of this invaluable asset, shedding light on its significance, types, and everything you need to know to protect your business effectively.\nBusiness Liability Insurance: An Overview\nBusiness liability insurance, also known as commercial liability insurance, is a specialized insurance policy designed to shield your business from financial losses resulting from legal claims. These claims can arise from various sources, including accidents on your business premises, defective products, or alleged negligence by your company.\nTypes of Business Liability Insurance\n- General Liability Insurance: This broad coverage protects your business from claims related to bodily injury, property damage, and personal injury. It’s a foundational policy for most businesses.\n- Professional Liability Insurance: Also known as errors and omissions insurance, this policy is crucial for service-based businesses. It covers claims of negligence, errors, or omissions made by professionals.\n- Product Liability Insurance: If your business manufactures or sells products, this insurance covers you against claims related to product defects or harm caused by your products.\n- Employment Practices Liability Insurance (EPLI): EPLI safeguards your business from claims of wrongful termination, discrimination, harassment, or other employment-related issues.\n- Cyber Liability Insurance: In the digital age, protecting your business from data breaches and cyber-attacks is paramount. Cyber liability insurance provides coverage for these risks.\nWhy You Need Business Liability Insurance\nProtection Against Legal Claims\nBusiness liability insurance is your financial shield against legal claims and lawsuits. Without it, a single lawsuit could cripple your business. With the right coverage, you can face legal challenges with confidence.\nYour personal assets are at risk without liability insurance. In case of a lawsuit, your personal savings, home, or other assets could be seized to cover business-related liabilities.\nProfessionalism and Trust\nHaving business liability insurance conveys professionalism and trustworthiness to clients and partners. It shows that you’re prepared for unforeseen events and are committed to protecting stakeholders.\nIn some industries and locations, having liability insurance is mandatory. Ignoring these requirements can result in fines, penalties, or even business closure.\nHow to Choose the Right Coverage\nSelecting the right business liability insurance coverage is a critical decision. It’s not a one-size-fits-all situation, as different businesses have unique needs. Here are some factors to consider:\nIndustry and Risk Assessment\nEvaluate the specific risks associated with your industry. Some businesses are inherently riskier than others. Understanding your risks helps you tailor your coverage.\nDetermine the appropriate coverage limits. This should take into account potential legal costs, settlements, and damages. Underestimating this can leave you underinsured.\nChoose a deductible that aligns with your budget and risk tolerance. A higher deductible often results in lower premiums but may require you to cover more of the costs in the event of a claim.\nCarefully review policy exclusions. Be aware of what is not covered, as this can vary between insurance providers and policies.\nSelect a reputable insurance provider with experience in your industry. Research and compare quotes from multiple providers to get the best deal.\nFAQs About Business Liability Insurance\n1. What does business liability insurance typically cover? Business liability insurance typically covers legal expenses, settlements, and damages related to claims of bodily injury, property damage, personal injury, negligence, or product defects.\n2. Is business liability insurance tax-deductible? In most cases, business liability insurance premiums are tax-deductible as a legitimate business expense. However, it’s essential to consult with a tax professional for guidance specific to your situation.\n3. Are all employees covered under business liability insurance? The coverage can vary based on the policy and the type of claim. Some policies may cover all employees, while others may have specific exclusions. It’s crucial to review your policy carefully.\n4. Can I combine business liability insurance with other business insurance policies? Yes, you can often bundle business liability insurance with other policies, such as property insurance or business interruption insurance. This can result in cost savings and simplified management.\n5. How do I file a claim with my business liability insurance provider? To file a claim, contact your insurance provider immediately after an incident occurs. They will guide you through the process, which typically involves providing details of the claim and any supporting documentation.\n6. Is business liability insurance expensive? The cost of business liability insurance varies widely depending on factors like the type of business, coverage limits, and deductible chosen. It’s an investment in your business’s protection and reputation.\nIn the complex world of business, mitigating risks is essential for long-term success. Business liability insurance is not just an expense; it’s a strategic investment in the security and sustainability of your enterprise. By understanding its nuances and tailoring coverage to your specific needs, you can protect your business, reassure stakeholders, and navigate the unpredictable with confidence.\nDon’t leave your business vulnerable to legal and financial challenges. Explore your options, consult with insurance experts, and secure the peace of mind that business liability insurance provides.", "domain": "economics"}
+{"url": "https://limitlessguns.com/faq/", "date": "2023-11-28T17:25:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679099892.46/warc/CC-MAIN-20231128151412-20231128181412-00810.warc.gz", "language_score": 0.9385001063346863, "token_count": 296, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__141476715", "lang": "en", "text": "All orders processed and shipped out in 1 to 2 business days by the # 1 e-commerce fulfillment company in the country, Fulfillment.com! Shipping is with FEDEX/SAIA and delivery in 1 to 5 business days after the shipping date.\nAll items are in stock in our warehouse ready to ship within 1 to 2 business days by the # 1 e-commerce fulfillment company in the country, FULFILLMENT.COM!\nNo, unfortunately due to ammo sales and shipping restrictions we do not sell to online retail customers in the following states: ALASKA / CALIFORNIA / CONNECTICUT / HAWAII / ILLINOIS / MASSACHUSETS / NEW JERSEY / NEW YORK.\nWe do sell B2B to Federal Firearms License holders in all US states (click here)\nAll sales are final, we cannot take ammunition or other products in return that have been in the hands of the public. Exceptions are made for defective merchandise only. In the event of receiving a product that is defective you must notify us by email within 30 days of the purchase date to firstname.lastname@example.org explaining the issue in detail with clear supporting photos attached. If deemed defective, we will either have the return made to the manufacturer for exchange or to us for an exchange or refund, our choice. All products are sold ‘AS IS’ with no warranty expressed or implied.", "domain": "economics"}
+{"url": "https://shea-porter.house.gov/media/press-releases/shea-porter-co-introduces-landmark-new-gi-bill", "date": "2018-06-23T05:53:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267864943.28/warc/CC-MAIN-20180623054721-20180623074721-00566.warc.gz", "language_score": 0.9521965980529785, "token_count": 623, "dump": "CC-MAIN-2018-26", "global_id": "webtext-fineweb__CC-MAIN-2018-26__0__15423446", "lang": "en", "text": "Shea-Porter Co-Introduces Landmark New G.I. Bill\nWASHINGTON, DC – Congresswoman Carol Shea-Porter (NH-01) today co-introduced the Harry W. Colmery Veterans Educational Assistance Act of 2017, a bipartisan bill that would represent the largest update to the GI Bill since the passing of the Post-9/11 GI Bill in 2008.\n“I’m proud to co-introduce today’s bipartisan bill, which is the most significant expansion of GI Bill education benefits in a decade,” said Shea-Porter. “We can never fully repay veterans and their families for their service, but expanding access to education is a good way to show our gratitude. I am especially glad this bill includes a provision I introduced earlier this year to ensure that deployed National Guard and Reserve members will qualify for the same educational benefits as those they served alongside once they return home.”\n“After returning from Iraq, I relied on the Post 9-11 GI Bill to attend UNH Law the very first semester it went into effect in 2009. It is great that this bill will modernize and expand the benefits that got me where I am today to returning service members, including National Guard members and Reservists,” said Portsmouth City Councilor Josh Denton, a former Army officer.\nToday’s bill represents the largest expansion of GI education benefits since the 2008 Post-9/11 GI Bill, for which Shea-Porter voted. It would extend eligibility for education assistance to National Guard and Reserve component members who served or will serve alongside active duty troops, a priority Shea-Porter has championed in the House with her Reserve Component Benefits Parity Act.\nThe bill also allows future GI Bill recipients to use the benefits over the course of their life, eliminating the current “use it or lose it rule” that caps eligibility for benefits at 15 years. In addition, it allows all Purple Heart recipients since 9/11 to qualify for these benefits and restores education assistance for veterans who attended for-profit colleges that folded, two provisions Shea-Porter has championed this year.\nA former military spouse, Shea-Porter helped pass the 2008 Post-9/11 GI Bill, legislation that helps many of our nation's veterans pursue their education and successfully transition to civilian life. The Department of Veterans Affairs will issue approximately $13 billion in Post 9/11 GI Bill benefits to almost 900,000 individuals this year. Currently, 7,388 students across New Hampshire rely on these benefits for graduate and undergraduate degrees, vocational and technical training, on-the-job training, flight training, correspondence training, licensing and national testing programs, entrepreneurship training, and tutorial assistance [XLS]. This year, Southern New Hampshire University ranks 10th in the country for total number of GI Bill recipients, with 4,806 students receiving over $23 million in Post 9/11 GI Bill benefits, and 290 students are currently using the benefit to attend UNH’s flagship campus in Durham.", "domain": "economics"}
+{"url": "https://neweconomicthinking.org.uk/speaker/ger-klaassen/", "date": "2023-11-29T22:51:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100146.5/warc/CC-MAIN-20231129204528-20231129234528-00130.warc.gz", "language_score": 0.9140150547027588, "token_count": 148, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__220957386", "lang": "en", "text": "Ger Klaassen joined the European Commission in 2004, after working as economist at the International Institute for Applied Systems Analysis (IIASA). At IIASA he worked on transboundary air pollution and economic instruments, global energy scenarios, renewable energy policies and gas infrastructures. He holds a PhD in economics from the Free University in Amsterdam. He was visiting professor at Colorado College and the University of Economics and Business Administration in Vienna, teaching environmental economics and innovation. Currently he works as policy analyst on strategy and economic assessment of the Directorate General for Climate Action of the European Commission. He contributes to the economic analysis of the EU climate energy policy i.e. the macroeconomic impacts and co-benefits for air pollution.", "domain": "economics"}
+{"url": "http://www.sinobiopharm.com/en/about/enterprises/2.html", "date": "2022-08-13T19:04:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882571982.99/warc/CC-MAIN-20220813172349-20220813202349-00363.warc.gz", "language_score": 0.9261972904205322, "token_count": 889, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__42103399", "lang": "en", "text": "CTTQ Co., Ltd.\nChia Tai Tianqing Pharmaceutical Group Co., Ltd. is an innovative pharmaceutical group enterprise that integrates scientific research, production and sales; a well-known R&D and production base for pharmaceuticals that work against hepatopathy and anti-tumor drugs; a national key high-tech enterprise; and a key backbone enterprise of the Lianyungang New Pharmaceutical Industry Base which operates under the National Torch Plan. It ranked 16th in the top 100 enterprises in China's pharmaceutical industry in 2018 and was the best industrial enterprise in China's pharmaceutical R&D product line in 2019 (selected and announced by the China National Pharmaceutical Industry Information Center).\nCTTQ always regards scientific and technological innovation as an important strategy for corporate development, and it is one of the pharmaceutical companies that invest more in innovative pharmaceutical research in China. With the research institute as the innovation carrier, CTTQ has successively established high-level R&D platforms such as “Jiangsu new hepatopathy drug engineering technology research center”, “Post-doctoral scientific research working station”, “National enterprise technology center” and “Jiangsu key laboratory of research on antiviral targeted drugs”, and its independent innovation capability has been continuously enhanced.\nWith its corporate development and improvements in its R&D capabilities, the annual R&D investments of CTTQ accounts for 10-12% of annual sales revenue. At present, the company is researching 251 projects, including 74 innovative drugs, 146 generic drugs, and 31 biological drugs.\nCTTQ has four production bases in Lianyungang. The preparation base has obtained the first new GMP certificate in China, and many production lines have passed the EU's cGMP certification and the USA's FDA certification. The acquisition of these certificates indicates that the enterprise's pharmaceutical production quality and management level are at the forefront of the Chinese pharmaceutical industry.\nCTTQ has six major series of products in the fields of oncology, hepatopathy, respiration, infection, endocrinology and cardiovascular and cerebrovascular diseases, and has more than 20 products with annual sales of over 100 million Chinese Yuan, forming a “100 million Chinese Yuan product group”. CTTQ has also formed a unique product line in the anti-tumor and hepatopathy fields. The first new type of drug (FTND), Anlotinib Hydrochloride capsules, is the standard drug for the three-line treatment of patients with advanced non-small cell lung cancer. The company has many product lines that work against hematological tumors, and its products Decitabine (first generic), Imatinib (first generic), Dasatinib (first generic), Bortezomib, and Lenalidomide have all been put onto the market. The products that work against solid tumors, such as Capecitabine, Abiraterone, Gefitinib, etc., have also been put on the market. Respiration, antibiotics and other fields are the key directions for the future development of the enterprise. As for biological drugs, Rituximab injection, Bevacizumab injection, Adalimumab injection and Trastuzumab injection have all entered phase III clinical studies.\nWith regards to its future development, CTTQ will continue to maintain its leading position in the field of hepatic health, aiming at the cure of hepatitis B and contributing to the global elimination of viral hepatitis by 2030. It shall also focus on creating innovative product lines in the fields of oncology and respiration, and shall promote the shift of the enterprise from “mainly against hepatopathy” to “two cores and multiple strengths”; from chemical drugs to a “combination of chemical drugs and biological drugs”; from a “combination of innovative drugs and generic drugs” to “being led by innovative drugs”; and from “focusing on China” to “coordinated development at home and abroad”. At the same time, it shall innovate its technological approach and business models to promote the transformation and improvement of its product R&D, production technology and marketing models, thus making steady progress towards an innovative and internationalized pharmaceutical group.", "domain": "economics"}
+{"url": "https://www.alpacamoments.com/our-brand/kuna/", "date": "2019-12-07T10:12:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540497022.38/warc/CC-MAIN-20191207082632-20191207110632-00527.warc.gz", "language_score": 0.9263694882392883, "token_count": 337, "dump": "CC-MAIN-2019-51", "global_id": "webtext-fineweb__CC-MAIN-2019-51__0__120955966", "lang": "en", "text": "KUNA is a Peruvian lifestyle brand that is inspired by the unique textile heritage of the inca culture. It becomes apparent on the wonderful colors, fabrics and the excellent quality of the natural fibers alpaca, vicuña and pima cotton. KUNA combines the skill and the traditional knowledge of the textile craftsmen of the Andes with modern technology and design. The Peruvian quality brand is part of the Inca Group, pioneer in the trade and export of alpaca products. The long experience in the selection of the precious fibers of new world camelids and the development of fine yarns help KUNA to keep control over the complete production process. Vertically integrated operations guarantee ethical business practices based on the wellbeing of man and nature throughout the whole value chain.\nKUNA participates in several programs that benefit the local rural communities: Textile workshops, incentives that encourage the practice of raising alpacas, as well as the education of the local communities in the environment. For one of the projects the company donated alpaca yarn to the remote village of Llali, where we taught 117 mothers knitting techniques. This way, 750 school children received a new warm sweater while their mothers earned a salary and learned a handicraft that provides an additional source of income. Alpaca Moments is proud to bring this unique prêt-à-porter collection to Europe and Asia and we invite you to become part of the Kuna lifestyle: Feel the hands of the Andes!\nAlpaca Moments guarantees knowledge, reliability, flexibility and superior quality. But above all, we take good care of our partners, their families and the local residents!", "domain": "economics"}
+{"url": "https://strongstart.ca/thanks/a-different-kind-of-corporate-giving/", "date": "2024-04-19T13:13:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817398.21/warc/CC-MAIN-20240419110125-20240419140125-00528.warc.gz", "language_score": 0.9489818811416626, "token_count": 138, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__92041440", "lang": "en", "text": "Recently, as part of a business arrangement between Student Transportation of Canada(school bus operators) and GROWMARK (supplier of biodiesel fuel), a decision was made to donate to a charity of STC’s choosing. Thank you Student Transportation of Canada for choosing Strong Start and thank you GROWMARK for your gift.\nThe employees of XCG Consultants Ltd. in Kitchener, as with many companies, regularly hold “dress down Fridays”, paying for the privilege of wearing casual clothing to work. The money collected is then donated to a charity chosen by the employees. Thank you Employees of XCG Consultants for your gift to Strong Start.", "domain": "economics"}
+{"url": "https://palyulin.ru/en/services/liquidation/public-offering/", "date": "2023-10-02T03:39:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510967.73/warc/CC-MAIN-20231002033129-20231002063129-00566.warc.gz", "language_score": 0.9221170544624329, "token_count": 1157, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__89344889", "lang": "en", "text": "This offer is directed by Palyulin and Partners LLC to an unlimited number of individuals (hereinafter referred to as the Customer).\n1. GENERAL REGULATIONS.\n1.1 In accordance with Art. 437 of the Civil Code of the Russian Federation this document, addressed to individuals, hereinafter referred to as the “Customer”, is the official, public and irrevocable offering of Palyulin and Partners LLC, hereinafter referred to as the “Contractor”, to conclude the contract on the following terms.\n1.2 Full and unconditional acceptance of this public offer is the Customer’s payment for the services offered by the Contractor in the manner specified in Section 5 of this proposal (Article 438 of the Civil Code of the Russian Federation).\n1.3 Acceptance of the offer means that the Customer agrees with all the regulations of this proposal, and is tantamount to concluding an agreement on provision of services for registration activities.\n2. SUBJECT OF THE AGREEMENT. TERMS OF RENDERING SERVICES\n2.1. The Contractor undertakes to provide the Customer with the following services: the change of the executive body and the participant (s) in the organization (hereinafter — the Company), and the Customer undertakes to pay for the services rendered in the amount, order and terms provided for in this Agreement.\n2.2. This agreement is valid for two months from the date of its signing by the parties.\n2.3. In case of untimely submission of documents by the Customer or delay due to fault of registration authorities, this Agreement may be extended for a commensurate period.\n3. RIGHTS AND OBLIGATIONS OF THE CONTRACTOR\n3.1. The Contractor undertakes:\n3.1.1. To change the executive body and the participant (s) in the Company by providing a proper report to the control bodies.\n3.1.2. Provide services with proper quality.\n3.1.3. Provide services in accordance with the terms of this Agreement.\n3.1.4. Immediately upon the discovery of circumstances leading to the impossibility of the execution of this Agreement, to suspend the performance of the Agreement, to notify the Customer thereof and wait for 5 days from the date of sending the Customer a message. In the event that the instructions of the Customer are not received within the specified period, the Executor has the right to refuse to perform the Contract and demand compensation for the damages he received.\n3.2. The Contractor has the right to involve third parties in the execution of this Agreement. The Contractor independently pays for the services of third parties in the event of their involvement in the execution of this Agreement, except for state duties, notary tariffs, postal expenses and other obligatory payments, if any.\n3.3. The Contractor has the right to refuse to fulfill the obligations under this Agreement if the Customer hides significant information about the company or when the documentation is hidden.\n4. RIGHTS AND OBLIGATIONS OF THE CUSTOMER\n4.1. The Customer undertakes:\n4.1.1. Send to the Contractor color scanned images of the certificates of state registration of the Company, the statement of the Company for tax accounting, the head of the Company and the members of the Company, as well as other internal documents of the Company required for the execution of this Contract at the request of the Contractor.\n4.1.2. Pay the Contractor’s services in accordance with this Agreement.\n4.1.3. During the term of this Agreement, do not enter into relations with third parties under the subject of this Treaty.\n4.2. The Customer has the right to refuse to execute this Agreement by paying the Contractor the cost of the services rendered to him.\n4.3. If there are shortcomings in the services rendered by the Contractor, the Customer shall indicate this in the certificate.\n5. PRICE AND PAYMENT PROCEDURE FOR THE CONTRACTOR’S SERVICES\n5.1. The price of the Contractor’s services under this Agreement is 70,000 (seventy thousand) rubles. 50% of the specified amount is paid by the Customer to the Contractor at the signing of this Agreement, the remaining 50% is paid by the Customer before submitting documents to the registering authority on the entry of a new participant into the Company.\n6. RESPONSIBILITY OF THE PARTIES\n6.1. For failure in performing or improper performance of the terms of this Agreement, the Parties shall be liable under the current legislation of the Russian Federation.\n6. DISPUTE RESOLUTION ORDER, CHANGE AND TERMINATION OF THE CONTRACT\n7.1. Disputes arising between the Parties in connection with the implementation of this Contract shall be resolved in the manner established by the current legislation of the Russian Federation.\n7.2. This Agreement may be amended by agreement between the Parties, drawn up in writing and signed by both Parties.\n7.3. This Agreement may be terminated by agreement of the Parties or on other grounds established by the current legislation of the Russian Federation and this Contract.\n7.4. The Customer has the right to refuse to perform the contract at any stage.\n7.5. The Contractor shall be entitled to refuse to perform the contract if the Customer violates clauses of 3.1.1 to 3.1.3. this Agreement or the occurrence of force majeure.", "domain": "economics"}
+{"url": "https://template.rooftek.com/commercial-services/solar/", "date": "2023-09-23T21:36:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506528.3/warc/CC-MAIN-20230923194908-20230923224908-00778.warc.gz", "language_score": 0.9347075819969177, "token_count": 1224, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__71155863", "lang": "en", "text": "Company for Commercial Solar in Your Area\nMake a smart investment in your property with commercial solar installations that let you harvest the benefits of renewable energy. RoofTek® is who other businesses in the area enlist for the project because we promise utmost attention to detail to bring you superior value. If you’re in your area, let us assess the work required and offer you a free quote.\nWhy Choose Commercial Solar Services From RoofTek®?\nRoofTek® offers superior commercial solar services in your area, providing businesses with the ability to harvest the renewable energy of the sun and enhance their energy efficiency with commercial solar panels specifically designed for the demands of businesses. These panels are typically more powerful than those used on residences, enabling businesses to harness a greater amount of the sun's energy and significantly reduce their reliance on traditional power sources.\nYour professionals at RoofTek® have the know-how to put commercial solar panels on facilities of all shapes and sizes. Unlike most commercial solar companies in the area, we strive to deliver unmatched speed of installation and service. We understand the value of minimizing interruptions to your commercial enterprise, which is why we work quickly to deliver a smooth and timely installation process.\nOur commercial solar services adhere to an in-depth process to deliver maximum energy conversion and power for your business:\nActivating The System\nBy picking us for your commercial solar needs, businesses in your area will benefit from our powerful and efficient solar products, experienced technicians, swift project completion, and ongoing support. We are dedicated to assisting businesses in reaching greater energy efficiency and contributing to a greener future.\nAdvantages of Commercial Solar Roofing\nSolar roofing is the latest advancement in eco-friendly solutions for commercial properties, allowing companies to convert the sun’s power to generate enough electrical energy for their entire building. It’s no wonder so many have jumped on-board, as not only is it good for the environment, it also boosts your property value and lets you keep more of your hard-earned money that you’d otherwise spend on energy bills.\nA few of the rewards you’ll get with commercial solar panels are:\n- Exceptional return on your investment\n- Increased jobs and economic growth\n- Offers long-term savings\n- Increased property value\n- Lower carbon emissions\nBy tapping into this cutting-edge technology, you will be making an environmental impact through the use of clean, renewable energy. Following installation, there is little to no maintenance required, which means you won’t have additional costs and the system will pay for itself in the long run through a mix of tax breaks and reduced energy bills. Take advantage of the perks that solar power has to offer your commercial enterprise by reaching out to our staff today.\nThe RoofTek® Process\nOur process is straightforward, which means our teams are efficient from the initial quote through the completed project. We value and respect our team, and together we value and respect you and appreciate the opportunity to work on your roof!\nContact your local RoofTek® and schedule an appointment with our team to assess your project. We will thoroughly review your property and created a quote for the required work.\nOnce we have provided our quote we work with you to come up with a suitable plan. We review your budget, options, and schedule to ensure that you are satisfied with the project.\nTHE COMPLETED PROJECT\nOur teams get to work quickly and work efficiently so your project is completed on time, and on the agreed-upon price-point. We also clean up when the work is completed.\nThe Rewards of Solar Panel Installations with RoofTek®\nCommercial solar panel installation services can deliver many rewards for businesses, but securing an knowledgeable team to do the task is critical for maximizing those benefits. Why should building owners contemplate going with RoofTek® for commercial solar panel installations?\n- The team at RoofTek® has the expertise needed when it comes to commercial solar panel installations and we take into account every variable to guarantee they are performing ideally.\n- We really value our customers and we’re always available to make sure you’re relaxed during the installation.\n- RoofTek® acknowledges that communication is equally as vital to the quality of support we deliver and facilitates a better project completion overall.\nFinancing Available for Commercial Solar Panel Installations\nA solar panel installation is a big project that involves a lot of work. Add this to the cost of the system itself, and the number can add up. However, we believe that it’s important to have the ability to get a commercial solar panel installation, and this is why RoofTek® offers financing.\nIn order to finance, there will be a down payment required. During the inspection process we will make some calculations to determine what this is.\nWhen everything is factored into the project, we’ll have a solid number for the project.\nOnce the numbers have been determined, we can set you up on a financing plan for your commercial solar panel installation project.\nWE SERVICE THE FOLLOWING CITIES AND THEIR SURROUNDING AREAS:\nFind Your Local RoofTek®\nWe are a national company with a location near you. Whether you’re looking for a complimentary quote on our top-tier roofing services or would like permanent holiday lighting installed, reach out today and find your nearest RoofTek® team.\nCall RoofTek® for Industry-Leading Commercial Solar Services\nFor commercial solar roofing, pick RoofTek® in your area and we will set up a time to evaluate your roof. Before we begin, we’ll talk about the work to be done and provide you with a free quote of the costs. Reach out to us to get started as soon as possible!", "domain": "economics"}
+{"url": "http://www.divorceattorneycapetown.co.za/child-maintenance-the-duty-support-maintenance-claims-standard-of-living-of-the-parties-spousal-maintenance-variation-of-maintenance-types-of-maintenance-claiming-maintenance-tertiary-educatio/", "date": "2017-08-23T09:56:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-34/segments/1502886118195.43/warc/CC-MAIN-20170823094122-20170823114122-00351.warc.gz", "language_score": 0.9466078877449036, "token_count": 153, "dump": "CC-MAIN-2017-34", "global_id": "webtext-fineweb__CC-MAIN-2017-34__0__82006891", "lang": "en", "text": "Negotiating a maintenance settlement can be a difficult aspect of reaching a divorce agreement.\nUnder South African law children have the right to receive financial maintenance. Both parents, whether married or not, are required to provide financial support for a child.\nMaintenance amounts must be negotiated and finalized according to the Maintenance Act 99 of 1998 and the Children’s Act 38 of 2005. Parents are obliged to pay for their children’s upbringing. Their respective payments depend on how much each earns.\nThe amount paid to the primary caregiver is based on the monthly earnings of each parent and the cost of the child’s education, care and upbringing.\nMaintenance orders are orders of the court. Failure to meet their obligations is a criminal offence.", "domain": "economics"}
+{"url": "http://alexandracourtguggenheimh28423.dbblog.net/10426714/financial-flexibility-is-it-just-a-dream-or-just-steps-away", "date": "2018-12-19T03:25:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376830479.82/warc/CC-MAIN-20181219025453-20181219051453-00578.warc.gz", "language_score": 0.9690724015235901, "token_count": 1018, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__218839011", "lang": "en", "text": "Nearly all of us go to work everyday and do the exact same regimen over and over again. We work so difficult till we caught up in the regimens for years. With the income that we make every day, we try to pay all of our bills. We constantly anticipate to get a higher income, getting promo or our company running better so we can make more money. We do not recognize that when we get more income, we likewise have spent more loan on our requirements. After we work for 2, 5, or perhaps 10 years we just realize that we have remained in the rat race of our monetary troubles.\nSo, to be financially free is only a dream for us, we do not think that is possible. We already set our mind set that we will retire after 40 years of working and then we begin to enjoy our life after that. I do not wish to do that.\nWhat if you can get the monetary freedom much faster than 40 years? What if I can show you how to get to financial freedom in 5 years? Wouldn't it be interesting for you?\nThere are couples actions to accomplish monetary freedom.\nYou have to get the ideal mind set. Your mind set is what you are. You have heard old saying \"You Are What You Think You Are\". This holds true, when you believe that you will always be bad then you will constantly be poor. When you think that you are a loser then you constantly will be a loser. When you believe that you are brief, then you constantly will be short. You see what I mean? Unless you desire to change your mind set to the favorable method, there is no other way that you can get your dream, which is Financially Complimentary. You need to believe in yourself and believe that is possible for you to accomplish financial freedom. From that kind of frame of mind, you will get various power in yourself and mindsets that will guide you up until you attain your objective.\nSecond, if you do have the ideal mind set, you have to change the bad routine that you have. If you don't have the money, do not invest it! Our society nowadays, has a brand name new practice that does not exist centuries earlier. We can invest our money before we earn it! That's right; I am talking about charge card. If possible, cut all the charge card that are not in utilized. We will be trap in this financial mouse trap easily with all the charge card lying around on our tables. We have to be discipline by just keep one or two credit card that we use typically only for emergency situation.\nIf you use your charge card, please do it in your existing budget plan, not your future spending plan. A great deal of individuals are caught due to the fact that they use their credit card based upon their 'future' spending plan.\nFor example, Bob just got promoted this week, and his income will be raised next month. He was so delighted about it, and after that he invests his future wage with his charge card. This is the error that we often do. In short, don't spend it up until you have it in your 'pocket'.\nThird, don't put your deposit for too long. We often forget that if we put our deposit, the worth of the money will be decrease so quickly. The rates of interest that the bank provides is far less than the inflations rate each year. We always need to be clever about our money. The bank does not appreciate our loan; in reality, they made the most benefit from our cash.\nWe need to discover the ideal financial investment. I suggest you to go to your financial consultant request their best opinions. They will seek your requirements, and they can provide you the financial investments that appropriate to your needs.\nFourth, if we actually want to be economically totally free, we have to make a passive income. In brief you can produce a system that can works for you. The most crucial from this is that you have to set up a system that works without you.\nAnother method to get a passive income is that you can franchise. read the full info here Franchising nowadays has increasing enormously in the past couple of years. This industry offers the owner to adapt a system that are already being established and proven. If you don't wish to build your own system, you can buy a franchise and run it.\nLastly, you can constantly join internet marketing. Network marketing is very affordable for individuals that do not have big capital. Opening your own business or franchising a business might cost you a fortune, however internet marketing generally cost very little to begin. You can always discover a good network marketing business and stick with the business for 5 years. There you can learn how to constructed your network and attain Financial Liberty.\nYou can begin your own journey to your financial flexibility by start it with a little step. Hopefully this entire short article aid you understand that everyone need financial freedom, prior to you captured up into the regimens for years.", "domain": "economics"}
+{"url": "https://mmkt.bitoptoption.com/en/news/stories", "date": "2023-12-09T09:02:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100873.6/warc/CC-MAIN-20231209071722-20231209101722-00777.warc.gz", "language_score": 0.9374133348464966, "token_count": 427, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__82522785", "lang": "en", "text": "[Bitop Market Review] Crude Oil Strategy Analysis\nWhen will oil prices rebound? Analysis of today's crude oil market!\nOn Friday (December 8th) during the European session, the recent oil market continues to draw attention with trading prices hovering around $70.60 per barrel. According to data released by the U.S. Energy Information Administration on Wednesday, gasoline inventories increased by 5.4 million barrels last week, reaching 223.6 million barrels, significantly surpassing the expected 1 million barrels. This unexpected increase might have exerted pressure on crude oil prices.\nChinese customs data revealed a 9% year-on-year decline in crude oil imports for November, attributed to high inventory levels, weak economic indicators, and slowed orders from independent refineries, weakening demand. On Thursday this week, the world's two largest oil-exporting nations, Saudi Arabia and Russia, urged OPEC+ member countries to collectively cut production. Meanwhile, the United States, being the largest oil-producing nation, continues to maintain high production levels. These developments are anticipated to have pressured the crude oil market. Investors need to pay attention to recent economic data releases in the U.S. and international market information.\nYesterday, crude oil prices traded at lower levels with increased volume, marking the fifth consecutive day of declines, displaying a weak downward trend. Following a period of consolidation, the unidirectional downward trend appears poised to accumulate potential downside momentum.\nConsidering the overall analysis, it's suggested that today's crude oil trading strategy primarily focuses on long positions after pullbacks, with shorting on high rebounds as a secondary strategy. Regarding resistance levels, attention is on the $72.0-73.0 range, while support levels are monitored around $69.0-68.0 in the short term.\nDisclaimer: The article is contributed by the market analyst from Bitop market observation team. The content is solely for personal opinions and sharing. The analysis is time-sensitive and provided for reference and discussion only. It does not constitute any investment advice. The market is risky, so investing should be done cautiously.", "domain": "economics"}
+{"url": "https://familyfinancemom.teachable.com/p/what-happens-in-a-recession", "date": "2024-04-18T08:42:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817200.22/warc/CC-MAIN-20240418061950-20240418091950-00075.warc.gz", "language_score": 0.9520574808120728, "token_count": 1006, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__182524711", "lang": "en", "text": "Learn to Understand the Economy\n(even if you've never paid any attention before!)\nIf you've always wanted to better understand all the financial news headlines, but were hesitant because you aren't really sure what so many of the terms mean...\nOr you want to know how proposed economic policies could actually impact your family, but get frustrated with he said/she said debate of politicians over all of it...\nIf you've ever wondered, \"Is this a good time to... change jobs? ... invest more? ... increase my savings? ... buy a house? ... take more or less risk?\nLIVE Economic Workshops Build Knowledge...\nand Knowledge Builds Confidence!\nFamily Finance Mom Workshops are designed to build your economic and financial knowledge to empower you with the confidence to take charge of your family's finances and investments. Instead of wondering what the best financial decisions are for your family in the current economic environment, you will be empowered with the knowledge and understanding of how the economy works, and where we are in the current economic cycle. Never again will you be forced to rely on politically motivated assessments of economic policy - you'll be informed as to how the free market economy actually works, and how proposals actually ripple through it to evaluate them for yourself.\nEach one hour session includes prepared remarks, full of data, history, resources, and ends with Q&A from all of you. Download the presentation prior to our workshop to take notes, and jot down your questions.\nCan't join LIVE? Don't worry. Leave your questions in the course comments, and everyone will get access to the replay of the workshop, including the Q&A session. Replay video will be posted here as soon as video is captioned.\nWhat is a Recession? Topics\n- The 5 Phases of the Economic Cycle\n- What causes a recession?\n- How long do recessions last?\nWhat happens in a recession to...\n- Stock market\n- Housing market\n- Consumer confidence\n- How do we recover from recessions\n6 Major Recessions of the last 100 years\n- 2020 Covid Pandemic\n- 2008 Great Recession\n- 2001 DotCom Bubble\n- 1970s Stagflation & 1980s Double Dip Recession\n- 1929 Great Depression\n- 1918 Spanish Flu / Post WWI Recession\nMeet Meghan | Family Finance Mom\nHi y'all! My name is Meghan Rabuse...\nI spent my whole childhood watching the adults in my life work incredibly hard - but constantly struggle with money.\nIt wasn't until my passion for math led me to a degree in Finance and Economics, followed by a career I loved as a financial analyst, that I learned it doesn't have to be that way.\nWhen I left my career to be a SAHM to three kids of my own, I quickly recognized how many families still lived just like mine did growing up... and that I could use my passion, education, and experience to help.\nWe used it to get out of $60,000 in student loans EACH, and pay off our mortgage to become completely debt free! Then, I used all I learned as a hedge fund analyst investing for the wealthy and endowments to build our family's portfolio and set us up for financial freedom.\nNow, I share it all with you: all I've learned over my education and career in Finance AND as a mom of 3 kids in a now totally debt-free household with a solid investment portfolio... and show you how with financial knowledge comes confidence and the ability to make better, more informed decisions for you, your family and your financial future.\n... and the best part?\nYou can check it out for FREE if you choose...\nFrequently Asked Questions\nFinancial Literacy Should be Accessible for ALL..\nAt Family Finance Mom, I believe that EVERYONE should have access to economic and financial literacy. And what is more and more evident to me every day is those who need it most, often have the least access to it.\nThat's why these workshops are priced to be affordable to all. The suggested price is just $12. A low, one-time expense that will build knowledge that pays dividends in your investment portfolio forever.\nLimited Scholarships for FREE\nBut if that's not in the budget for your family right now, and you want to learn, join for FREE. A limited number of Family Finance Mom scholarships are provided by me for each workshop. Use code FFMSCHOLARSHIP at checkout to enroll for FREE.\nBUY ONE, GIVE ONE for $24\nIf you can afford to, you can choose to BUY ONE, GIVE ONE: pay $24 to cover admission for yourself and to sponsor additional Family Finance Mom scholarships.\nTogether, we can make financial education possible... and accessible... for ALL!", "domain": "economics"}
+{"url": "https://fondazionepatriziopaoletti.org/donate-now/?lang=en", "date": "2023-10-02T01:25:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510942.97/warc/CC-MAIN-20231002001302-20231002031302-00172.warc.gz", "language_score": 0.9160700440406799, "token_count": 959, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__259402693", "lang": "en", "text": "Help the foundation to ensure that an increasing number of people around the world become able to put the best part of themselves into play.\nDeciding to support the Patrizio Paoletti Foundation’s activity with a free and ongoing donation enables the effective planning of the following actions:\nDeciding to support the Patrizio Paoletti Foundation’s activity with a one-time donation grants immediate assistance to the projects’ beneficiaries who need your help today.\nYou can deduct this donation entirely from your taxable income. The Patrizio Paoletti Foundation in fact, having the implementation of scientific research as its statutory purpose, has been included among the recipients of the provisions of Article 14, paragraph 1, of DL 35/2005. Consult the updated lists of the official gazette* here, the Paoletti Foundation is in line 157.\nDo you want to know how to fill in your donation amount in your income tax return?\nWHERE TO FILL IN THE DONATION AMOUNT IN THE TAX DECLARATION\n730/2020: in \"Box E\", line E26. Then indicate code 8 in square 1.\nUnicoPF/2020: in section \"Box RP fees and expenses\" in line RP26 \"Other fees and expenses\" at code 8 “Free donations to non-profit associations.....recognized foundations”\nART. 14, COMMA 1, DL 35/2005\nDonations in cash or in kind made by individuals or bodies subject to corporate income tax in favor of non-profit organizations of social utility pursuant to article 10, paragraphs 1, 8 and 9, of Legislative Decree no. 460 from 4 December 1997, as well as those made in favor of associations for social promotion registered in the national register pursuant to article 7, paragraphs 1 and 2, of Law no. 383 from 7 December 2000, are deductible from the total income of the donor within the limit of ten percent of the total declared income, and in any case to a maximum of 70,000 euro per year.\nDario, Giorgia, Chiara, Michela, Luca will be able to help you clarify any doubts.\nTel. 06 8082599\nfrom Monday to Friday 9:00-18:00 firstname.lastname@example.org\nUnicredit Roma Orlando\nFor foreign bank transfers\nSWIFT CODE: UNCRITM1704\nPostal money order:\nBank account n. 36689404\nMade out to Fondazione Patrizio Paoletti per\nlo Sviluppo e la Comunicazione\nVia Nazionale 230, 00184 Roma\nYou only need a signature and a code on your income tax return. In the square designated 5X1000 insert the foundation’s tax number\n“For many years I’ve been following the foundation with great interest. It is an avantgarde social driving force and their solidarity initiatives and scientific activities represent a new paradigm shift and a new human awareness. Thank you for the great example that you give to the world.”\n“The Patrizio Paoletti Foundation has wonderful initiatives and innovative research lines. Research and popularization go hand in hand, creating a unique approach to knowledge and change.”\n“For people who are searching for ways for a world worth realizing: these ways exist and they are called love, conscience, research, development, sustainability, neuroscience, discovery of the central value of human beings and their choices in regards to a new and continuous possibility.”\nThe foundation’s projects are supported by intense research activity. Choose to support the work of the team of neuroscientists and pedagogists who work hard every day to understand how human beings learn and how they can improve, to perfect the educational and didactic tools that are offered to the projects’ beneficiaries.\nWith its educational and social projects the foundation reaches thousands of children and adults all over the world every year. Your regular donation can help to do even more to guarantee the right of education, also in the most difficult places of the planet, and to realize innovative training programs for Life Skills development of teachers, parents and social workers.\nThe objective of the actions implemented by the foundation is to generate change in a world of continuous evolution. Wellbeing and peace can only be reached if social relationships are improved and if each person can access the right educational tools to learn to do and to learn to live with respect towards others and the environment.", "domain": "economics"}
+{"url": "https://www.wpeka.com/tips-creating-business-directory-wordpress.html", "date": "2022-05-25T10:01:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662584398.89/warc/CC-MAIN-20220525085552-20220525115552-00141.warc.gz", "language_score": 0.9303568005561829, "token_count": 923, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__124950654", "lang": "en", "text": "Business directories are so popular because they provide value to a wide range of users. Let’s take a quick look at how they benefit their three main stakeholders.\n- Directories allow visitors to make an informed decision by making all options available in one convenient location — if someone wants to eat out, they can find all the restaurants in their town, their locations, prices, and overall ratings.\n- Directories can drive more customers for the listed businesses.\n- Directories have the potential to be very lucrative assets if they drive enough traffic, which is great news for the directory owner — that’s you!\nToday, I’ll be providing quick tips for setting up a business directory in WordPress, but first, let’s look at four ways you can make money from one.\n1. Paid Listings\nMany directories charge businesses for the privilege of being featured in the directory – either one-off fees or recurring, monthly rates.\nThe more traffic your directory receives, the more interest you’ll get, and the more you can justify charging.\nHowever, personally I think there are better ways to monetize a directory. Consider this: A directory is most valuable as an all-encompassing resource for one very specific need — like listing Italian restaurants in a town. The moment you start excluding businesses who won’t pay to be listed, you’re providing less value to your visitors. In the long-run, this could restrict your directory’s potential.\n2. Featured Listings\nThe top listings in your directory will be seen the most, and, in theory, will receive the most clicks.\nMost businesses will pay for the benefits that come with being featured prominently in your directory. Allocate the space at the top of your directory for featured listings, and charge a monthly fee.\n3. Referral Fees\nBusiness directories are well positioned to charge referral fees/commissions for any business they drive.\nA business owner may not have the cash to pay for a spot in a directory. Put some extra cash in his wallet, though, and most will be willing to give you a cut.\nMany directories will charge referral fees for the business they drive, or a fixed fee for each click generated.\n4. Sell Leads\nOne of internet marketing’s most timeless of mantras: “the money is in the list.”\nNow, in my opinion, every website should be building an email list from day one. When it comes to business directories, things are a little bit different, though.\nAfter all, it’s difficult for you to monetize your list directly — but the businesses listed in your directory can! Essentially, every subscriber is a qualified lead that many businesses will be interested in buying.\nHow to Build a Business Directory in WordPress\nFor WordPress users looking to build a directory, you have two solutions: theme or plugin.\nA directory theme will use a dedicated design suitable for a directory website, plus all the directory functionality is built-in. On the other hand, using a plugin allows you to choose any theme you want, and you can simply bolt on the directory functionality you need.\nPersonally, I’d go the plugin route, simple because it gives you more design options — if you use a directory theme, there are a limited number of designs to choose from.\nWhichever option you choose, WPEka club members have two great solutions: WP Directory Theme and WP LocalPlus.\nWP Directory Theme is a fully loaded WordPress directory theme with which you can add business listings, pin geo locations and also earn money through ads.\nWP LocalPlus is a fully automated business directory plugin for WordPress. You can add reviews, business listings, coupon offers, maps and much more with this plugin.\nOne of the best things about creating a business directory in WordPress is that you can decide what level of competition you’re willing to take on.\nThe wider your directory’s reach, the more competition you’ll face. You could go hyper-targeted, focusing on one specific industry in one small town. Or, you could aim bigger and open your directory up to a variety of industries, focusing on a wider geographical area.\nThis makes them a great way for people of all skill levels to make money.\nDo you run your own directory? Share your tips in the comments section below!\nFeatured image courtesy of Sohel Parvez Haque.", "domain": "economics"}
+{"url": "http://www.vuesoftware.com/press-releases/vue-software-successfully-implements-phase-1-for-aviva-financial-advisers-in-60-days/", "date": "2020-04-01T08:28:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370505550.17/warc/CC-MAIN-20200401065031-20200401095031-00433.warc.gz", "language_score": 0.9469408392906189, "token_count": 506, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__168581129", "lang": "en", "text": "VUE Successfully Implements Phase 1 for Aviva Financial Advisers in 60 days\nCoconut Creek, Florida, 10/27/2016 — VUE announced that they have completed the first implementation phase at Aviva Financial Advisers Pte Ltd., a licensed financial advisory firm wholly owned by Aviva Limited, a leading insurer in Singapore.\nSantosh Gon, Head of Transformation at Aviva Singapore, who is leading the project, said, “We are very pleased with the effort and commitment of the VUE Software team and the delivery timeframe they have achieved. VUE’s modules will enable Aviva Financial Advisers to automate payments for advisers, increasing the firm’s efficiency and accuracy.”\nAbhinav Dave, Executive Vice President of VUE Software commented, “Aviva is a great partner to work with and we really enjoyed working with their team on this project. Both companies were able to work together and successfully implement a compensation management solution in 60 days, which is the fastest producer-compensation project in VUE’s history. We look foward to implementing the other modules in the near future.”\nAbout Aviva Financial Advisers\nAviva Financial Advisers is a licensed financial advisory firm in Singapore, wholly owned by Aviva Limited, a leading insurer in Singapore. Our experienced team of professional financial consultants is qualified, and licensed by the Monetary Authority of Singapore (MAS), to provide a wide range of financial advisory services. We work with various insurance and investment providers so that we can provide our customers access to a comprehensive range of solutions for their financial planning needs. At Aviva Financial Advisers, we are committed to conducting our business in an ethical and knowledgeable manner, with an understanding that being professional ensures our continuous success.\nAbout VUE Software®\nVUE Software is a single scalable platform built from the ground up for Insurers, MGAs, FMOs, IMOs, and Insurance Distributors who have outgrown their current tools and require greater automation for producer administration and sales processes. Founded by Computer Solutions & Software International (CSSI) over two decades ago and recently acquired by Vertafore, VUE offers configurable solutions to meet the unique needs of the Life and Annuity, Health, and Property and Casualty markets. The company leads the Distribution-Modernization movement and provides insurance organizations a solid path to revenue growth and competitive advantage, supporting multiple product types, distribution channels, and hierarchy types.", "domain": "economics"}
+{"url": "http://www.gostaff.com.au/Virtual-Staffing-Solutions-for-Australian-Businesses/I3.htm", "date": "2020-06-06T00:33:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590348509264.96/warc/CC-MAIN-20200606000537-20200606030537-00215.warc.gz", "language_score": 0.974347710609436, "token_count": 214, "dump": "CC-MAIN-2020-24", "global_id": "webtext-fineweb__CC-MAIN-2020-24__0__27162694", "lang": "en", "text": "We are an Australian company who aims to help small and medium sized businesses and even professionals in Australia in providing them with reliable virtual assistants from the Philippines, to help ease their daily workload. We realised that there are some businesses just don't have enough time or the budget to employ office based staff or have enough office space for their staff.\nSo we asked ourselves:\nQ. How can we help these businesses?\nA. GO STAFF is the answer!\nThe Philippines is already being used by many large international companies for their call centers, back office, technical support etc. all handled by Filipinos. Aside from these large corporations saving a lot of money, they believe in the skills of the Filipino people.\nEnglish language is the primary means of communication in the Philippines. So expect a virtual assistant that is proficient in both oral and written English. Filipinos are highly-skilled, hard-working and dedicated as they value their work and income so much. As a result, they always strive to do their best and always work with great quality and standards.", "domain": "economics"}
+{"url": "https://excelhypnosis.com/quit-smoking", "date": "2019-08-23T00:12:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027317688.48/warc/CC-MAIN-20190822235908-20190823021908-00022.warc.gz", "language_score": 0.949883759021759, "token_count": 201, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__194286932", "lang": "en", "text": "Stop Smoking NOW\nLiterally, pay out of that old cigarette money then put $3,395 up to $8000 back in your pocket every year for the rest of your long and healthy life! (based on the average cost of a pack of cigarettes in Seattle, WA)\nOur process is the most effective ever developed and has triple the success rate of expensive patches pills & gums. The difference? We combine the most advanced hypnosis techniques with a new groundbreaking neurological process to address the problem in the mind, where the habits and cravings are stored, to eliminate them completely once and for all.\nOur process is completely natural with no drugs, no cravings, and no withdrawal.\nOur process includes a lifetime guarantee, which means if you ever smoke or have a craving to smoke, just call or schedule online, and we will treat you again for free. How can we afford to give away free sessions for life?? Less than 5% of our clients ever require a second session.", "domain": "economics"}
+{"url": "https://thefrankagency.com/marketing-glossary/b2b-business-to-business/", "date": "2024-04-22T03:32:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818072.58/warc/CC-MAIN-20240422020223-20240422050223-00719.warc.gz", "language_score": 0.9171128273010254, "token_count": 598, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__97504346", "lang": "en", "text": "B2B, or business-to-business, refers to commercial transactions and interactions between two companies rather than between a company and individual consumers. It encompasses the exchange of products, services, or information tailored to fulfill the needs of other businesses. B2B transactions are fundamental for enabling companies to effectively operate, grow, and thrive within their respective industries.\nThe Significance of B2B Transactions:\n- Collaborative Partnerships: B2B transactions foster strategic collaborations and partnerships between businesses. They establish mutually beneficial relationships that enable companies to access specialized resources, expand their market reach, and drive innovation through shared expertise.\n- Supply Chain Efficiency: B2B transactions enhance supply chain efficiency by facilitating seamless exchanges of goods and services among various organizations. This streamlines operations, reduces costs, and ensures timely delivery, ultimately benefitting both buyers and sellers.\n- Tailored Solutions: B2B transactions allow businesses to provide customized solutions that address the unique needs and challenges of other companies. Through tailored products, services, and support, B2B interactions contribute to enhancing operational effectiveness and driving customer satisfaction.\n- Accelerated Growth Opportunities: Collaborative commerce in the B2B space opens doors to new growth opportunities. By working with diverse networks of partners, businesses can gain access to untapped markets, generate new revenue streams, and expand their customer base more rapidly.\nLeveraging B2B Strategies:\nTo make the most of B2B transactions and thrive in the interconnected business landscape, consider the following strategies:\n- Understanding Customer Needs: Gain a deep understanding of your target B2B customers’ pain points, goals, and expectations. Tailor your offerings to meet their specific requirements, positioning your business as a valuable partner.\n- Building Trust and Relationships: Establish trust and cultivate strong relationships with your B2B partners. Transparent communication, consistent delivery of quality products and services, and reliable support are essential in building long-term collaboration.\n- Adopting Technology Solutions: Embrace technology platforms and software solutions that streamline B2B transactions, such as e-commerce portals, CRM systems, and supply chain management tools. These enable efficient communication, order processing, and data sharing among stakeholders.\n- Emphasizing Value Propositions: Clearly communicate the unique value your business brings to B2B partnerships. Highlight the benefits, cost savings, and competitive advantages you offer, showcasing why other companies should choose to collaborate with you.\nIncrease Growth Through B2B Collaboration:\nB2B transactions play a crucial role in fueling growth and prosperity across various industries. By harnessing the power of collaborative commerce, businesses can create strategic partnerships, optimize operations, and generate new avenues for expansion. Embrace the opportunities that B2B transactions present and position your company for success in today’s interconnected business world.", "domain": "economics"}
+{"url": "https://blog.vaulthealth.com/time-to-hire/", "date": "2023-02-05T14:13:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500255.78/warc/CC-MAIN-20230205130241-20230205160241-00719.warc.gz", "language_score": 0.9400603175163269, "token_count": 824, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__256527208", "lang": "en", "text": "That’s the average amount of time that the best candidates are on the job market before being hired. That means businesses need to be agile in their recruiting process to get top-tier talent. The ones who successfully shorten their time to hire will have the advantage in today’s candidate-driven market.\nWhat is time to hire?\nTime to hire is an efficiency metric that measures how long it takes a prospective candidate to accept a job offer and complete all pre-employment screening after initially applying for a job. Note that this is slightly different from “time to fill”, which refers to the total amount of time it takes to fill an open position after a hiring manager submits a job opening for approval.\n“Time to hire is really about how quickly a business can identify the right candidate, take action on hiring the person once identified, and be prepared for any obstacles that may delay the hiring process,” said Brandon Bulcroft, expert on background screenings and Director of Channel Partnerships for Vault Health: Workforce Screening.\nBulcroft says time to hire often involves back and forth between the hiring manager, assessments, and interviews with other team members. Depending on what the open position is for, and the industry, additional occupational health tests may be required, such as:\nWhy Time to Hire Matters for Talent Recruitment\nThe very best candidates are in high demand and are likely to receive multiple offers. Bulcroft says this means a hiring team has to be prepared to move fast with all of the necessary documentation in order, or else they risk losing high quality candidates – especially if prospective candidates are required to undergo various screenings and tests.\n“It’s really not that different to when you’re buying a house in an extremely tight real estate market. You want to have everything ready to go when you put in your offer, otherwise you may lose out simply because someone else can move faster,” said Bulcroft.\n“Your company’s time to hire can directly impact whether a candidate accepts your job offer or someone else’s.”\nThe time to hire metric is also an indicator of candidate experience. Most job seekers don’t want to spend months going through an interview and screening process. A better candidate experience gives companies an edge in recruiting top talent, not to mention retention over time.\nHow to Improve Time to Hire\nRecruiting faster doesn’t mean a company needs to forego hiring standards, but it does mean companies should re-evaluate their process.\nBulcroft says the reality is that recruitment is no different than marketing, and companies need to start thinking about it as the way their brand is established in the employment marketplace.\n“Hiring managers are tasked with attracting candidates, much in the same way that companies work to understand what customers want and then market products to them to drive action and revenue.\n“Beyond the obvious incentives like higher salaries and better benefits, attracting candidates means improving the candidate experience from the start. Businesses that invest in shortening their time to hire are better positioned to recruit and retain the best candidates.”\nThere are a number of tools a company can use to shorten its time to hire, including:\n- Streamlined Applicant Tracking System (ATS) and Background/Drug Screening for Candidates\n- Remote I-9 verification (Section 1 & 2)\n- Fluid onboarding process\n- Rapid turn-around background check\n- Convenient and accessible pre-employment screenings\n- Result delay elimination through active retrieval processes\nIn today’s job market where candidates—not companies—have the upper hand, speed and transparency are key. The faster a company can secure a candidate and provide them with an expected timeline, the better.\nDISCLAIMER: This article is for general information purposes only, does not constitute medical advice and is not intended to be relied upon for medical diagnosis or treatment. If you are experiencing a medical emergency, dial 911 immediately.", "domain": "economics"}
+{"url": "https://www.hokulaniestatecoffee.com/Where-s-Ka-u--.html", "date": "2019-02-15T18:34:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247479101.30/warc/CC-MAIN-20190215183319-20190215205319-00063.warc.gz", "language_score": 0.9490492939949036, "token_count": 167, "dump": "CC-MAIN-2019-09", "global_id": "webtext-fineweb__CC-MAIN-2019-09__0__150716117", "lang": "en", "text": "The District of Ka'u located on the Big Island of Hawaii is the Southern most point in the United States. The District covers over 922 square miles of sacred land including 80 miles of rough coastline on the South Eastern shore of the island. Famous for Hawaii Volcanoes National Park, Punalu'u Black Sand Beach, and Papkolea Green Sand Beach. East of Ka'u is the Puna District and to the West is South Kona District. Coffee was cultivated in Ka'u in the late 1800s. However, competition for both land and labor from the sugar cane industry led to the demise of most coffee production in Ka'u. Sugar cane was a large crop until 1996. Coffee is a relatively new emerging industry in the Ka'u district producing world class, award winning gourmet coffee.", "domain": "economics"}
+{"url": "http://casadellava.com/terms.php", "date": "2017-03-29T10:58:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218190295.4/warc/CC-MAIN-20170322212950-00574-ip-10-233-31-227.ec2.internal.warc.gz", "language_score": 0.9416801929473877, "token_count": 2380, "dump": "CC-MAIN-2017-13", "global_id": "webtext-fineweb__CC-MAIN-2017-13__0__300770156", "lang": "en", "text": "Holiday Letting Agreement\nThe following words shall have the following meanings throughout this agreement:\nThe Property: Casa dell'Ava, Pianazzola 167. 23022 Chiavenna (SO), Italy\nThe Lessor: Richard and Lucy Pash, Mill Farm, Marten, Marlborough, Wiltshire. SN8 3SJ.\nThe Hirer: The name of the individual making the booking (lead client)\nThe Term or the Holiday Period: The term agreed in the booking, starting on the first day of the rental period and ending on the last day (inclusive)\nThe Rent: The rent agreed in the booking\nThe Booking: A request by the hirer to book the Property made to the Lessor by email, telephone, mail or at www.casadellava.com confirmed by the Lessor.\nThis RENTAL AGREEMENT comprises the particulars detailed above and the terms and conditions listed below and the booking whereby the property is let by the Lessor and taken by the hirer for the term at the rent.\nTerms and conditions\nThe Lessor grants a licence to the hirer for the term. It is not intended to create the relationship of landlord and tenant between the parties. The licence is personal to the hirer. The property must not be used except for the purpose of a holiday by the hirer and his/her party during the term.\nThe Lessor permits the hirer to occupy the property for the term for the rent in Clause 2 (Prices) together with use of furnishings, kitchen equipment, crockery, glasses and bedding. The hirer must pay the rent in clause 2.\nThe contract between the hirer and the Lessor exists from the point at which the Lessor has received the required deposit in cleared funds and a confirmation of the booking has been issued to the hirer by the Lessor.\nThe rent is given in UK pounds sterling [inclusive of VAT] on the website www.casadellava.com. The price includes what the Lessor regards as reasonable use of heating, electricity and water. For heating this is 4 sacks of heating pellets per week of occupancy of the property. The price does not include transport to the property in Italy, any drinks or meals, or bath towels. Additional sacks of heating pellets cost 5 Euro each.\nPayments must be made to the Lessor by cheque or electronic funds transfer or, for non-UK clients, by UK Sterling banker's draft or electronic funds transfer.\nA deposit must be paid at the time of booking of 25% of the total rent for the holiday period. However, if a booking is made within 8 weeks of the start of the holiday period, the total rent must be paid at the time of booking. The full balance of the rent is payable not later than 8 weeks before the start of the holiday period and if not received by the Lessor in cleared funds the Lessor reserves the right to cancel the booking, in which case the deposit will be forfeited by the hirer.\n- Hirer's Responsibilities\nThe hirer takes responsibility for ensuring that all members of their party are aware of and comply with this agreement. The hirer shall be responsible for any breach of this agreement by a member of their party.\nThe hirer is responsible for keeping and leaving the property and its fixtures and fittings in good order and in good condition. The hirer undertakes to pay for any damage and/or any losses incurred during occupation and any extra cleaning costs incurred. The decision as to whether any such damage or loss requires cleaning, repair or replacement shall be the Lessor's decision in their reasonable opinion. The Lessor shall inform the hirer of the relevant cost which the hirer shall reimburse immediately.\nThe hirer and members of his/her party are expected to behave responsibly, safely and respectfully. Any behaviour in the Lessor's opinion likely to cause distress, damage, injury or annoyance, will be in material breach of this contract. The Lessor reserves the right in their absolute discretion and without notice to terminate the holiday period and this licence if any hirer and his/her party behave in such a manner. In such circumstances, the Lessor will be under no obligation whatsoever to provide a refund of the rent or cleaning charge or any compensation.\nIf the hirer or a member of his/her party loses a key the Lessor will replace it and the hirer shall be responsible for paying the cost of having a replacement cut.\nThe hirer and all members of his/her party must:\n- allow the Lessor or their agent to enter the property to inspect the state of it on prior appointment save in emergency when immediate access must be granted\n- comply with the regulations notified to the hirer from time to time before or during the holiday period\n- not do anything or permit anything to be done that would or may result in the insurance of the property becoming void or voidable or the premium on it being increased\n- Group size and age\nThe number of persons occupying the property should not exceed six unless by prior arrangement (there is a sofa-bed in the sitting room that can accommodate an additional two people if needed). The hirer must be over the age of 18.\n- Children and Babies\nBabies and children are welcome. A cot, toys and childrens' dining chair are available and should be requested at the time of booking. These must be inspected for suitability for the child/baby by the hirer and used in accordance with the instructions.\nPets can be accommodated provided that the hirer agrees this beforehand with the Lessor and that the hirer takes full responsibility for the animals' cleanliness and behaviour. Under no circumstances are animals allowed to climb or sit on the furniture.\nShould the hirer fail to keep the animal controlled and allow them to cause nuisance, the Lessor reserves the right to require the hirer immediately to remove the animal from the property and, at the hirer's cost, to repair or clean any damage caused or replace damaged property. The terms of clause [6.2 - repairing/replacing] shall apply.\nAll pet beds, bowls etc should be brought with the hirer. None are provided.\nThe Lessor is satisfied that the property from which its service is provided is suited to the purpose for which it is advertised and that the property will be clean and tidy on arrival of the hirer. The hirer's dislike of the property and its fixtures and fittings on grounds of size or taste cannot be accepted as grounds for compensation.\nThe balconies at the property are used at the risk of the hirer and his/her party. Any children or babies using the balcony must be supervised by an adult at all times.\n- Arrivals and Departures\nOn the first day of the holiday period, the property cannot be accessed before 4pm. To ensure adequate time for preparation of rooms for arriving guests, the hirer and his/her party are asked to leave by 10am on the day of their departure. The Lessor reserves the right to charge a proportion of a further day's rent if the hirer and his/her party have not departed by 10am. Keys must be returned to the Lessor or their agent on departure.\n- Lost Property\nThe Lessor will endeavour to return any item of lost property found in the property.\nSmall unclaimed items will be returned to the hirer. The Lessor reserves the right to charge the hirer for postage or transportation costs. A discretionary administration charge may also be made to cover the cost of arranging return.\nLarge, valuable or delicate items requiring high postage or transportation costs will be retained by the Lessor and the hirer will be informed of their discovery. Should the hirer fail to make adequate arrangements for their return, such items shall become the property of the Lessor 45 days after the hirer is informed and will be disposed of as deemed appropriate.\nThe Lessor is not responsible for items that are not found or are returned in a damaged state.\n- Published Information\nAll information given by the Lessor as to accommodation, prices and services has been given in good faith. The hirer should however be aware that changes outside the Lessor's control might occur between publication of this information and the start of the holiday period. Information that is inadvertently incorrect cannot be accepted as grounds for compensation.\n- Alterations to holidays\nWherever possible, the Lessor will attempt to accommodate the hirer's request for alterations to bookings, but these will only be accommodated subject to availability. Such requests can only be made by the hirer.\nIt is unlikely that the owner will have to make changes to the hirer's booking. Such changes are likely to be minor and the hirer will be advised of such changes at the earliest possible occasion. Should a major change occur, the following alternatives will be offered:\n- Accepting the change offered\n- Taking an alternative booking date with the Lessor\n- Full refund of the rent and deposit\nThe hirer is the only person authorised to make a cancellation on behalf of a party. Cancellation more than 8 weeks before the commencement of the holiday will result in loss of the deposit which will be retained by the Lessor. After this period (after payment of the balance of the rent) the full amount will be lost and retained by the Lessor. (Make sure that you are insured - see below). If the Lessor is able to resell the term in question, the hirer may be entitled to a part refund, taking account of the price for which it is resold and administration costs.\nIt is the responsibility of the hirer to ensure that every member of the holiday party is covered by adequate holiday insurance. At the time of payment of the balance of the rent, the hirer will be required to confirm that this has been arranged.\n- Force Majeure\nFor the purposes of cancellation or alteration of a rental booking provided by the Lessor, \"force majeure\" is any event outside the Lessor's control including (but not limited to) war, political unrest, extreme weather, acts of God, epidemics, riots, civil strife, strikes, industrial disputes, terrorist activity, natural/technical disasters and closure of ports/airports.\nComplaints concerning any aspect of this contract will be treated with the utmost seriousness and the Lessor will attempt to resolve the matter quickly. Any complaint must initially be made immediately, during the course of the holiday period by telephone in order to give the Lessor a chance to resolve the matter. The Lessor will attempt to take action to remedy your situation as soon as practicable.\n- Disputes and Governing Law\nThis contract exists under the terms of English Law and both parties shall submit to the non-exclusive jurisdiction of the English Courts. In the unlikely result that any dispute arising out of a holiday cannot be amicably resolved, the Lessor reserves the right to refer the dispute to mediation or arbitration prior to further legal action.\nAny notice to be served on the hirer under this agreement may be given:\n- During the holiday period by delivery through the letterbox or putting under the front door of the property and shall be deemed to have been received upon the expiration of 24 hours after service\n- Before or after the holiday period by sending recorded delivery mail to the hirer at his/her address as notified to the Lessor and shall be deemed to have been received upon the expiration of 48 hours after posting", "domain": "economics"}
+{"url": "http://agm-indy.com/2016/06/24/make-the-most-of-the-lunch-rush-how-to-use-point-of-sale-reporting-to-improve-fast-food-sales/", "date": "2019-01-23T23:01:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547584415432.83/warc/CC-MAIN-20190123213748-20190123235748-00277.warc.gz", "language_score": 0.9650425910949707, "token_count": 495, "dump": "CC-MAIN-2019-04", "global_id": "webtext-fineweb__CC-MAIN-2019-04__0__119230234", "lang": "en", "text": "If you have a fast food business in a corporate area, your sales will come mostly at lunch and they'll come fast. Your success will depend on how many customers you can serve in that short 1-1.5 hour period. Your staff should be trained for speed, but speed that doesn't exclude courteous customer service and upselling.\nYour point-of-sale (POS) system can generate a variety of reports that can help you monitor your sales staff's performance, as well as identify opportunities for improvement. It's essential that each of your sales people has their unique login for using the POS system. You can then easily track key performance indicators (KPIs), such as total customer count, customer count per hour, total sales and average sale per transaction.\nSpeed of service\nThe POS report can help you identify the best-performing team members, as well as the ones that are lagging behind. If someone is not serving nearly as many customers as the rest of the team members, it's a sign that the manager needs to pay attention at how this person is doing things. Are they slower because their work station is not organised? Are they following the right systems? What are the best-performing people on your team doing differently? How can you train your non-performers to do the same?\nComparing your staff's sale per transaction will give you an indication whether or not a sales person is upselling successfully. If they are not, they may need more training or they simply need to be reminded that upselling is expected of them. You can automate reminders by programming your POS system to prompt your staff to ask the customer more questions before closing the sale.\nDon't lose sight of the big picture\nIt's important to look at the KPIs in combination and not only individually. Sometimes upselling can come at the cost of spending more time with one person and losing other customers that don't want to wait. In this case someone good at upselling will have higher sales per transaction, but lower customer count and lower total sales than a team member that serves fast. Comparing all KPIs will determine the best strategy for your business and the best way to train your staff for highest sales. You can even introduce different strategies for the lunch rush and other times. When the business is slower, the staff will have more time to have a conversation with the customers, build a relationship and encourage them to buy more.", "domain": "economics"}
+{"url": "http://360payments.com/text-to-lend/", "date": "2023-09-25T00:04:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506669.96/warc/CC-MAIN-20230924223409-20230925013409-00191.warc.gz", "language_score": 0.8947347402572632, "token_count": 380, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__313027400", "lang": "en", "text": "360 Consumer Finance Platform\nHelp your customers drive new sales and increase their average RO by offering an easy and secure financing integration. Consumers can apply, get approved, and pay right from their smartphones.\nThe New Consumer Financing Standard\nConsumers demand flexibility and choice when it comes to paying for vehicle repairs. If you aren’t offering them simple, safe ways to get to yes, you’re being left in the dust. Get the jump on the competition by offering 360 CFP, featuring Text-to-Lend.\nEmbedded within popular DVI tools, T360 CFP allows consumers to view their estimate and quickly and discreetly apply for financing – all from their smartphone.\nEveryone is too busy these days to spend hours waiting for approvals. Make it easy by ensuring consumers get their approval decision in minutes with\nFocus on Technology\nWith Text-to-Lend, you’re showing your customers your commitment to innovative new tech that will improve the customer experience at their business.\nSecurity and Service\nConsumers need to know that their data will be handled with care. 360 CFP featuring Text-to-Lend meets and exceeds the latest data privacy and security standards, plus it’s backed by industry-leading support.\nSimplified Sales Process\nMake it easy for service advisors to sell consumer financing options without feeling overwhelmed. 360 CFP featuring Text-to-Lend automates this potentially challenging conversation.\nSee How It Works\n360 CFP featuring Text-to-Lend is integrated seamlessly into the industry’s top DVI tools like AutoServe1. Consumers can view estimates, apply for financing, and get an approval decision in minutes from one beautifully designed interface.\nWhat Our Customers Say", "domain": "economics"}
+{"url": "https://www.stephencohuantiques.com/investing.html", "date": "2024-04-14T14:31:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816879.72/warc/CC-MAIN-20240414130604-20240414160604-00361.warc.gz", "language_score": 0.9764723181724548, "token_count": 1192, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__6157683", "lang": "en", "text": "Should you invest in art and antiques?\nThe answer to this question is of course, from my ever so slightly conflicted position, yes, but not for the reasons you may be thinking. Unless you are a professional investor you should not buy paintings, objects, furniture or items for any other reason than because you like them. You should not set out to buy things with the express goal of selling them for a profit at some time in the future because this may never happen. The investment you make is an investment in your own enjoyment of life and your surroundings. There is little point in living in an environment filled with things you do not enjoy simply because you hope they will make you money. You may get lucky and spot the next big thing before the rest of the market piles in and forces up prices. Buying for enjoyment means you don't need to concern yourself with such matters. If and when you come to sell, if you get your money back or even a profit then this should be considered as a bonus rather than an expectation.\nAnother factor which drives demand is the usability of the item in question. A prime example of this would be the classic Georgian mahogany bureau. A handsome example in the year 2000 might have cost you £2000. With the advent of computers, tablets, mobile phones and email no one needs a bureau in which to keep their writing paper, envelopes, stamps or to store the current year's bills and paperwork. Technology has killed demand and consequently a fine example could now be bought for perhaps £300, exceptional value for money and no less attractive than when it was worth six times as much. A reduction in room sizes has reduced demand for larger items of furniture as has the desire for fitted kitchens and bedrooms.\nMany of the above negatives are in fact positives for people interested in furnishing with antiques because it means they can own beautiful, interesting, robust and functional pieces at prices that make them accessible to everybody.\nSupply and demand\nThe above examples demonstrate how changes in demand have affected the price of cheaper and mid-range items which were purchased by householders who never expected them to lose value. The reduction in demand has coincided with an increase in supply as fewer pieces inherited by younger generations are retained in the family.\nWhere prices are likely to take off is where demand is high and supply is limited. This will really only apply to desirable items where rarity is the key to success. Works of art which are unique and can't be replicated should always prove a better investment, we can't say for sure but by buying the best you can afford at this end of the market you will give yourself a much better chance of success.\nAs the world's wealthiest people force the prices of the rarest and most desirable artworks ever higher, the second tier of works is pulled upwards behind it. As investors can no longer afford the most expensive items they target the second tier of the market and some of these artists have seen their works rise in value from £10,000 to £100,000 in just a few years. This second tier, if you pick the right artist, is where significant gains could be made in the next decade. Of course when works fall out of favour prices can plummet.\nIn the early century the works of the most famous pre-Raphaelite artists such as Edward Burne Jones and Dante Rossetti were so unpopular they were virtually being given away. The Mander family furnished their house, Wightwick Manor, with these works and for a small outlay now have a collection, 100 years later, worth tens of millions. However the average investor looking for a medium term gain doesn't have 100 years to wait! Furthermore, as the collection is unlikely to ever be sold it has a true value of nothing!\nFew of us can however afford to invest at these levels but the same rules apply to less expensive items- don't buy damaged or heavily restored items, don't buy cheap items where you can go out and find another 500 exactly the same, always buy the best example you can afford.\nInvestments or possessions only have a value when they are sold, the same goes for all types of investment. Shares in a company on the stock exchange might have a \"value\" of £50,000 one day. The next day the company declares bankruptcy and goes into administration, the shares becoming worthless. They only ever had a value of £50,000 if you had sold them the day before!\nSelling into a market where demand is high and supply is small should result in a high price. Where supply is large and demand is small you might be lucky to even sell it at all. This is where the investor is at the mercy of the market and the savvy buyer will only buy items he is sure will be easy to sell.\nFor us, when buying at auction, it is much better to buy lots where there is a lot of competition and prices are higher than expected. If you buy it very cheaply you are either lucky because the item was overlooked or more likely because no one else wanted it - that should ring alarm bells. Maybe buying these sorts of items will yield high returns in the future when demand picks up. Shall we look into our crystal ball to find out?!\nSome antiques and certain artworks have proved to be exceptional investments over the last few years but generally at a level accessible to only very few people with significant sums at their disposal. Our advice is invest in your enjoyment of life by buying things that you like, not things that might make you money. You don't have to spend a fortune to surround yourself with things you will enjoy looking at every day and who knows, when the time comes to pass these things on to a new passionate owner, you might even come away with a profit!\nArticle written by Stephen Cohu for Jerseylife Magazine, July 2018.", "domain": "economics"}
+{"url": "https://www.myindigocreditcardlogin.com/best-credit-cards-for-low-credit/", "date": "2022-11-28T21:01:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710662.60/warc/CC-MAIN-20221128203656-20221128233656-00115.warc.gz", "language_score": 0.9463640451431274, "token_count": 1405, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__277031748", "lang": "en", "text": "When you don’t have good credit, trying to get a credit card is hard, and even once you do get a credit card, it’s easy to get trapped.\nYou will have a hard time improving your credit score if you do not have the opportunity to rebuild your credit. There are still credit cards available for people with bad credit, though you may not realize that.\nIf you wish to raise your credit score, you should consider getting a credit card with on-time payment options. Even though getting a new credit card can help your score, it can also bring it further down if it is not managed properly.\nMost often, the best credit cards will depend on the individual’s individual situation, but secured cards tend to be the best choice for people with less than perfect credit. You have to put down a cash deposit when you get a secured credit card. Your credit is usually determined by that amount.\nOnce you use that card repeatedly, you’ll build credit, and ultimately, you’ll be able to get an unsecured card. The cash security deposit that you paid for your secured credit card can be refunded if you obtain another type of credit card.\nSome of the best credit cards for people with bad credit can be found below.\nBest Credit Cards For Bad Credit\nIn this article, we review credit cards for people with bad credit in an effort to help them rebuild their credit scores.\n1. OpenSky Secured Visa\nThe Secured Visa from OpenSky does not require a credit check as it is a secured card. When a person opens an account, they opt for a credit line, and then they make a refundable deposit based on the credit line they choose. A major advantage of the card is the fact that you don’t have to worry about your credit score being affected by a hard pull since there is no credit check.\nDepending on your creditworthiness, you may receive up to $3,000. Using OpenSky, users can improve their credit scores because their credit information is reported to all three major credit bureaus each month.\n$35 is required for the annual fee, and the APR is approximately 19.64%. You can use it just like a regular Visa card. 99 percent of customers with no credit score who started with the company built their score within six months.\n2. Indigo® Platinum Mastercard® Credit Card\nPeople with low or bad credit often choose the Indigo® Platinum Mastercard® Credit Card. An applicant can utilize the pre-qualification option without affecting his or her credit score. Each of the major credit bureaus receives a report from the company.\nTypical Mastercard fraud protection is available with the Indigo® Platinum Mastercard® Credit Card. Bankruptcy may not be an obstacle to obtaining this card.\n3. Milestone Gold Mastercard®\nThere is no security on the Milestone Gold Mastercard®. Before submitting your application, you can see if you qualify. You will usually be approved for a credit limit of $300 upon approval. During the application process, you will need to consider a $35 to a $99 annual fee.\nIt costs $35 – $99* per year after the first year of free usage. Benefits of Mastercard Gold are included in the Milestone Gold Mastercard®.\n4. Green Dot Platinum Visa\nSecured credit cards are specifically designed to establish or rebuild credit. If a credit line is needed, a refundable security deposit of $200 is required, and no bank account is needed.\nConsumers can deposit money in certain participating retail stores to report their payment and usage histories to credit bureaus.\nThis Green Dot Platinum Visa offers an annual percentage rate of 19.99%. Credit limits range from $200 to $1,000. Annual fees are $39 and credit limits are $200 to $1,000.\n5. DCU Visa Platinum Secured Credit Card\nThis Visa Platinum Secured Credit Card is offered by Digital Federal Credit Union. The account allows account holders to borrow money against their savings accounts with DCU. It has no annual fee. You can make purchases with Apple Pay and Visa Checkout. With DCU Visa Platinum Secured Credit Card, you can get low-interest rates. Current interest rates are 13.75 percent.\n6. Citi Secured Mastercard\nUsers of Citi Secured Mastercard can deposit between $200 to $2,500 as a security deposit, granting them a larger credit line than that offered by other secured cards.\nCredit requirements are part of the approval process for this card, including a review of income and debt. There is a 24.74% variable APR on purchases. The account holder must not have filed for bankruptcy within the past two years to qualify for this card. Annual fees are not charged for this card.\n7. USAA Secured Platinum Visa\nA $35 annual fee is associated with the USAA Secured Platinum Visa, but there is no foreign transaction fee or penalty APR. It varies from 11.65% to 21.65%, which is on the lower end when compared to other cards.\nMilitary recruits will benefit from the special features, security protection, and no liability associated with the card. All cardholders will receive a free credit score.\nThe credit limit is determined by the security deposit users make when applying for credit. A $250 security deposit is accepted. Interest is also earned on the security deposit, unlike many other cards.\n8. Credit One Bank® Visa® Credit Card\nPeople with no credit history or poor credit tend to apply for Credit One Bank credit cards. Among the credit cards available in the Credit One Bank® Visa® Credit Card.\nOne of the best things about this card is that it allows skilled applicants to earn 1 percent cash back on all purchases and that the rewards post to their accounts each month.\nCredit score monitoring is free for account holders. Due to the fact that this is a Visa card, it offers all the standard benefits. The annual fee ranges from $0 to $99. Variable APR ranges between 17.99% – 23.99%.\n9. Discover it Secured\nThere is a refundable security deposit required for the Discover it Secured Card. Cardholders do not have to pay an annual fee, and the standard variable APR is 22.99%. By using this card, users can receive free monitoring of their Social Security numbers.\nCustomers can view their FICO credit score for free online and on statements if they hold a Discover it Secured Card.\nAccount-holders of this card can earn 2 percent cash back on up to $1,000 in purchases every quarter at restaurants or gas stations, and 1 percent on everything else. Upon opening the account, the company matches your first year’s cash-back earnings.", "domain": "economics"}
+{"url": "https://clevedoncare.org.uk/Support/", "date": "2024-04-15T18:16:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817014.15/warc/CC-MAIN-20240415174104-20240415204104-00078.warc.gz", "language_score": 0.9645319581031799, "token_count": 191, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__163206213", "lang": "en", "text": "If you would like to make a financial contribution on a one-off or a regular basis to support Clevedon Care, we would be delighted to talk to you. Our treasurer can explain the various options for giving that are open to you.\nIf you are a regular UK income tax payer, you might also like to consider GiftAiding your contribution. This boosts the value of the contribution you make without costing you any more. You can find out more about GiftAid here.\nClevedon Care has been fortunate over the years in benefitting from legacies left by benefactors. This has enabled us to operate independently without any central or local government financial support. If Clevedon Care has helped you in the past when you were in need, perhaps you might consider leaving a contribution to us in your will. The advantages are explained here.\nThanks for your support. To discuss your options for giving, please contact our treasurer.", "domain": "economics"}
+{"url": "https://texmin.gov.in/about-us/public-sector-undertakings", "date": "2023-12-05T08:51:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100550.40/warc/CC-MAIN-20231205073336-20231205103336-00440.warc.gz", "language_score": 0.9430340528488159, "token_count": 3241, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__43753967", "lang": "en", "text": "Public Sector Undertakings\nNational Textile Corporation Limited\nNational Textile Corporation Limited (NTC), a Schedule “A” Central Public Sector Enterprises under the ambit of Ministry of Textile, Government of India, engaged in production of yarn and fabric. NTC was established primarily to manage the affairs of the sick textile undertakings taken over by the Govt. of India in three Nationalization Acts in the years 1974; 1986; and 1995 by nationalizing 124 mills.\nNTC has existing 23 working mills. However, despite implementation of BIFR approved revival scheme (SS-02), (MS-06), (MS-08), NTC has been incurring operation losses and not earning sufficient income to meet its running expenses. There being little scope for its revival, Department of Public Enterprises (DPE) in terms of its guidelines dated 13.12.2021 regarding implementation of new PSE policy for closure or privatization of the sick CPSE, is deliberating the matter further.\nCore-IV, 7, Lodi Road,\nNew Delhi – 110003\nThe Handicrafts & Handlooms Exports Corporation of India Ltd. (HHEC) was established in the year 1958, as “Indian Handicrafts Development Corporation Ltd” with the twin objective of (i) export promotion and (ii) trade development of handicraft and handloom products and it was renamed as “The Handicrafts & Handlooms Exports Corporation of India Limited” in 1962. HHEC was continuously suffering losses since 2015-16 and its business operations had come to a standstill. Being commercially unavailable, Closure of HHEC was approved by Union Cabinet in its meeting held on 16.03.2021. Post closure activities of HHEC are being carried out as per the extant DPE guidelines.\nThe Handicrafts & Handloom\nExports Corporation of India Ltd.\nJawahar Vyapar Bhawan, 1\nNew Delhi -110001\nNational Handloom Development Corporation (NHDC) Ltd., Lucknow was set up in February, 1983 by the Government of India as a Public Sector Undertaking under the Companies Act, 1956. The Authorized Capital of NHDC Ltd. is Rs.2000 lakh and its Paid up Capital is Rs.1900 lac. The main objectives of NHDC are: • Carry on the business of supplying all types of yarn for the benefit of the handloom sector. • Organize supply of quality dyes and related materials needed by the handloom sector. • Promote marketing of handloom fabrics. Aid, assist and implement the projects connected with the production of handloom fabrics including taking up modernization programme, technology for the handloom sector\nNational Handloom Development Corporation (NHDC)\nWegmans Business Park, Tower - 1\nPlot No. 03, Sector Knowledge Park - III\nSurajpur - Kasna Main Road\nGreater Noida - 201306\nThe CCI was set up in 1970 by the Government of India, as an only Public Sector Organization in the field of cotton marketing. With the changing cotton scenario, the role and functions of the Corporation were reviewed and revised from time to time. As per the policy directives received from the Ministry in 1985, the CCI is the sole agency of the Government for undertaking Price Support Operations, whenever the prices of Kapas (seed cotton) touch the support price level. However, in the absence of price support operations, the Corporation undertakes commercial operations for supplying cotton to NTC Mills, Unit Mills of State Textile Corporations, Co-operative Spinning Mills and Private Mills, in addition to purchasing cotton for fulfilling export commitment. The role assigned to the Corporation, in brief, is as under:- • To undertake price support operations whenever the market prices of kapas touch the support prices announced by the Government of India without any quantitative limit; • To undertake commercial operations, only at CCI’s own risk and; • To purchase cotton to fulfill export commitments. The Corporation, with a view to serve the cotton growers and the textile industry, has developed an elaborate infrastructure. It had 19 Branch Offices in all major cotton growing States during the year under report. It helps cotton growers in marketing their Kapas through a network of over 341 purchase centers spread over the major cotton growing States. FINANCIAL RESULTS During Financial Year 2017-18, CCI achieved a turnover of Rs.1392.22 crores as against the previous year’s turnover of Rs.1962.96 crores. The highlights of the financial results during the financial year 2016-17 & 2017-18 were as follows:\nPurchase(in Lakh Bales)\nDomestic Sales (in Lakh Bales)\nTurnover (in Rs. Crores)\nProfit after tax (in Rs. Crores)\nDuring the year, Corporation’s short term debt is rated CARE A1+(SO)[CARE A One Plus] (Structured Obligation) i.e. the highest credit rating assigned in this category for short term bank borrowings of Rs.25,000 crores which signifies strong capacity for timely payment of short term debt obligation and carry lowest credit risk.\nDIVIDEND: CCI recommended a dividend of Rs. 2.80 crores, during the financial year 2017-18.\n'Kapas Bhavan', Plot No. 3-A,\nSector 10, Post Box No. 60,CBD Belapur,\nNAVI MUMBAI - 400 614 (Maharashtra)\nCentral Cottage Industries Emporium was established in the year 1952 under the management of Indian Cooperative Union and was later on taken over by Central Cottage Industries Association in 1964 and was incorporated as Central Cottage Industries Corporation of India Ltd. (CCIC) on February 4, 1976. CCIC is a Public Sector Undertaking under Ministry of Textiles. The main objective of CCIC is to develop, promote and market High Quality Indian Handicrafts and Handloom products in India and abroad procured from the artisans/ weavers/ craftsperson through their Emporia, E-commerce, Exhibitions, Institutional / Corporate Sales, Exports and Interior Decoration Projects. CCIC is foremost in the pursuit of vocal for local and Atmanirbhar Bharat at grass root level. Corporation is having showrooms at New Delhi, Kolkata, Bengaluru, Chennai, Hyderabad, Kevadia (Gujarat), Craft Museum, New Delhi and Salarjung Museum, Hyderabad. CCIC is also having an online shopping website shoponline.cottageemporium.in for it's esteemed customers.\nThe Registered and Corporate Office of the company is situated at Jawahar Vyapar Bhawan,\nJanpath, New Delhi - 110 001\nThe British India Corporation Limited\nIncorporated in 1920 as a Public Limited Company, British India Corporation Ltd. (BIC) was taken over by the Government of India under the British India Corporation Ltd. (acquisition of shares) Act, 1981. The Company has two units namely (1) Cawnpore Woollen Mills Branch, Kanpur (2) New Egerton Woollen Mills Branch, Dhariwal with Head Office in Kanpur, manufacturing woollen fabrics.\nBIFR approved revival scheme of BIC couldn’t take off as it was linked with sale of its surplus Nazul/leasehold land which requires permission of U.P. Govt. which has not been forthcoming. Due to continuous losses there has been no production activity in BIC mills since 2009. There being little scope for its revival, DPE in terms of its guidelines dated 13.12.2021 regarding implementation of new PSE policy for closure or privatization of the sick CPSE, is deliberating the matter further.\nJute Corporation of India (JCI) Ltd\nJCI is a Govt. of India Enterprise set up in 1971, JCI is the official agency of the Ministry of Textiles (MoT) responsible for implementing the MSP policy for jute producers and serves as a stabilizing agency in the raw jute market. JCI also undertakes commercial operations, procuring jute at prices above the MSP on commercial consideration to generate profits. JCI’s price support operations involve procuring raw jute from small and marginal farmers at MSP without any quantitative limit as and when the prevailing market price of jute falls below the MSP. These operations help create a notional buffer in the market by siphoning off excess supply, in order to arrest inter-seasonal and intra-seasonal fluctuations in raw jute prices. JCI’s Departmental Purchase Centres (DPCs), which are situated in jute growing areas, purchases raw jute directly from the farmers. JCI has around 110 DPCs of which 69 are in West Bengal, 19 in Assam, 12 in Bihar and the rests in the three other jute growing states of Andhra Pradesh, Orissa and Tripura. During the year 2020-21, 0.0398 lakhs of bales have been procured by JCI under MSP operation. The authorized and paid-up capital of the Corporation is Rs.5 Crore and the net worth is Rs.155.64 Crore as on 31.03.2021. The entire authorized capital has been subscribed by the Government of India.\n15 N, 7th Floor, Nelli Sengupta Sarani,\nNew Market, Kolkata - 700087.\nNational Jute Manufactures Corporation Ltd\nNational Jute Manufactures Corporation Ltd (NJMC Ltd), is a schedule “B” Public Sector Undertaking under the ambit of Ministry of Textiles, Government of India incorporated on 03rd June, 1980 as per Jute Nationalization Act 1980. NJMC Ltd has the following 6(six) Jute Mills under itself which are as follows:\na) Kinnison Jute Mill, Titagarh, 24 Parganas (North), West Bengal b) Khardah Jute Mill, Khardah, 24 Parganas (North), West Bengal c) Alexandra Jute Mill, Jagaddal, 24 Parganas (North), West Bengal d) National Jute Mill, Sankrail, Howrah, West Bengal e) Union Jute Mill, Sealdah, Kolkata, West Bengal f) RBHM Jute Mill, Katihar, Bihar\nThe management of six sick private sector Jute manufacturing companies was taken over by the Central Government under Clause (a) of sub-section (1) of Section 18 AA of the Industries (Development and Regulation) Act, 1956 and thereafter the ownership of these companies was vested on the Central Government through enabling legislation of these, the National Jute Mill was nationalized under the National Company Limited (Acquisition and transfer of Undertakings) Act, 1980. The remaining five companies were nationalized under the Jute Companies (Nationalization) Act, 1980. The ownership of these nationalized companies was vested on NJMC Ltd, a company newly created specifically for this purpose on 3rd June 1980, w.e.f. 10th June, 1980 in case of National Jute Mill and w.e.f. 21st December, 1980 in case of the remaining five mills. NJMC Ltd has one subsidiary, namely, Birds Jute & Exports Limited (BJEL) in which it holds 59 percent equity shares.\nNJMC Ltd could not revive these sick mills and was itself referred to the Board for Industrial & Financial Reconstruction (BIFR) in 1992 and declared a sick company in 1993. A draft plan for revival of NJMC Ltd was approved by the Cabinet on 19th March 2010 at a total cost of 1417.53 crores, which was enhanced to Rs. 1562.98 crores by the Cabinet in its meeting held on 25th November, 2010. BIFR approved the revival plan on 5th January, 2011 which essentially consisted of:\n(a) Closure of three mills, namely, National, Union and Alexandra; (b) Offering VRS to all the employees; and (c) Running of the remaining three mills.\nDuring the financial year 2018-19 the closure of NJMC Ltd has been approved by The Union Cabinet on 10th October, 2018. The process of closure is being carried out in accordance with DPE guidelines No. DPE/5(1)/2014-Fin. (Part – 1) dated 14.06.2018.\nMSTC has been appointed as the Auctioning Agency (AA) for disposal of Movable Assets and NBCC (I) Ltd has been appointed as Land management Agency (LMA) for disposal of immovable assets of the Corporation. The disposal of properties of NJMC is in the advanced stage of completion.\nChartered Bank Building\n2nd Floor 4, Netaji Subhas Road\nBirds Jute & Exports Ltd. (BJEL)\nFunctions &Organization Setup: The company came into being in 1870 and was then named as Arathoon Jute Mills Ltd in 1904 name changed as Lansdowne jute Mills Pvt Ltd and again the name of the Company was changed to Birds jute and Exports Limited (BJEL) in the year 1971, and it was decided to run as a processing unit for bleaching, dyeing & printing of Jute, cotton and blended fabrics. BJEL was initially a subsidiary of Bird & Co Ltd. Following nationalization of Bird & Co Ltd on October 25, 1980, Bharat Process & Mechanical Engineers Ltd ( BPMEL) under Ministry of Heavy Industry took over the Assets of Bird & Co and BPMEL became a holder of 59% of BJEL’s Equity Shares.\nIn 1986, GOI decided to transfer entire equity share holding of BPMEL in BJEL to National Jute Manufacturers Corporation Ltd (NJMC). Accordingly, BJEL became a subsidiary of NJMC Ltd w.e.f November 20, 1986 and came under the administrative Ministry Of Textile (MOT). Company is the owner of 52.7528 acres of land and out of this land a portion of 3.0749 acres of land acquired by Govt of West Bengal in the year 1962-63.since then the company is in possession of 49.6779 acres of land subject to the encroachment of land by outsiders, of which retation order 6240-L dated 07-04-1964 issued by Land and Land reforms Department as per provision of sec 6(1)(g) read with 6(3) of West Bengal Estate Acquisition Act 1953. Turnover and performance of the company started declining from FY 1988-89. The Company suspended its production in October 1988 because of repairs and renovation of old machine. Production was resumed in August 2001. However, the production was completely stopped from October 2002. All the workers were given VRS on 2003, Staffs in 2004 and Officers in 2011.\nThe closure of BJEL has been approved by The Union Cabinet on 10th October, 2018. The process of closure is being carried out in accordance with DPE guidelines No. DPE/5(1)/2014-Fin. (Part-1) dated 14.6.2018. M/s. MSTC Ltd. has been appointed as auctioning agency for disposal of all movable assets including building and NBCC Ltd. has been appointed as LMA for disposal of immovable assets as per DPE guideline dated 14.6.2018. The disposal of properties of BJEL is in advanced stage of completion.", "domain": "economics"}
+{"url": "https://annalisereads.com/reclaim-your-digital-gold-it-is-your-power", "date": "2023-11-30T11:13:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100184.3/warc/CC-MAIN-20231130094531-20231130124531-00120.warc.gz", "language_score": 0.9128516912460327, "token_count": 414, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__65106109", "lang": "en", "text": "The Power of Personal Data: How it Shapes the Future of Business and Society\nIn today’s digital age, personal data has become a valuable commodity, fueling the growth of many businesses and shaping the society we live in. The widespread use of the Internet and mobile devices has given rise to new business models that cater to our every need and convenience online. As a result, there is a race for data supremacy through the collection and exploitation of personal data which feeds artificial intelligence (AI) tools and solutions such as ChatGPT, BingAI, and others.\nHere are a few highlights of what you will learn:\n- Companies collect and analyze personal data to market to consumers based on their searches, behavioral habits, and purchasing patterns.\n- Some of these companies provide habit-changing services that can result in irreversible social change.\n- Personal data has become a currency that people are willing to trade for convenience, entertainment, and instant gratification.\n- The book delves into the potential impact of personal data on the future of business and society.\n- It explores the new surveillance capitalism business model, privacy concerns, the impact of social media, and how the future is shaping up given AI, Metaverse, and other online data-hungry solutions and applications.\n- It also offers practical steps (Digital Gold Nuggets) that individuals can take to reclaim and reposition their data power.\n- Some readers may be skeptical about the impact of personal data on society and may question the practicality of the suggested steps to reclaim data power.\nBy understanding the power of personal data, readers can take control of their digital footprint and make informed decisions about their online activities.\nThis book is a must-read for anyone concerned about the future of privacy and the impact of personal data on society.\nGet your copy of the book today to discover the power of personal data and take control of your digital life.\nYou can get the book for FREE on Amazon Kindle today.\nYou can also learn more at ReclaimYourDigitalGold.com.", "domain": "economics"}
+{"url": "https://www.myclosingcosts.ca/", "date": "2023-12-08T19:43:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100769.54/warc/CC-MAIN-20231208180539-20231208210539-00115.warc.gz", "language_score": 0.9282026886940002, "token_count": 164, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__27577501", "lang": "en", "text": "Making dollars make sense\nHi. We are Ratehub.ca. Financial decisions can be challenging and profoundly impact our lives. That’s why we are here. To make it easier to choose better personal finance.\nCanada’s leading financial comparison platform\nOver the past decade we have helped millions of Canadians make smarter financial decisions by providing the best tools, advice, and rates in the market. With roots as an early innovator in the online mortgage world, Ratehub.ca became the first comparison service to integrate an inhouse mortgage brokerage (the award winning CanWise Financial). Since then, we’ve continued to grow with the addition of auto & home insurance quoting, credit card comparison, GIC & chequing account applications and much more. See what we have to offer here.", "domain": "economics"}
+{"url": "https://southhighfoundation.org/Endowment.html", "date": "2023-10-04T12:16:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511369.62/warc/CC-MAIN-20231004120203-20231004150203-00879.warc.gz", "language_score": 0.9461597204208374, "token_count": 498, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__198376231", "lang": "en", "text": "The Board, like many families, has essentially three financial accounts. It has a 'checking account' to hold a small amount of money used for current expenses (e.g., office supplies, printing costs). It has a 'savings account' which holds money not needed in the short-term but set aside for reasonably predicted future expenses (e.g., the scholarships to be paid out at the end of the next school year). And it has the 'endowment' - money that the Board believes can safely be set aside and tied up to ensure the long-term viability of the Foundation.\nThe Foundation has created the endowment over the years of its operation. The endowment is a fund created by the transfer of contributions received through routine unrestricted contributions or through contributions specifically designated for the endowment. The endowment is intended to be \"protected\" - that is, the Foundation can use the earnings from the endowment to fund its activities, but it does not intend to dip into the endowment itself.\nFor example, suppose that the endowment fund contains $500,000. Suppose that it is invested wisely and earns 5% annually in dividends and interest. That would be $25,000 which the Foundation could add to its general funds and allocate according to current needs and priorities. The $500,000 would remain untouched and hopefully 'donate' $25,000 again next year.\nMoney can move into the endowment in two ways:\n- a funding shift made by the Board, or\n- a restricted donation.\nAs of the end the end of fiscal year 2014, the endowment stood at $503,000 providing for a more secure future the the Friends of South High Foundation.\nTo make a donation now, click on the GiveMN button to the right. To mail in a donation, click here to get a form you can print, complete, and mail in.\nFor more information about making a donation to the endowment, you can send an email to the Foundation office or send a letter to\nSouth High Foundation\n3131 19th Ave S\nMinneapolis MN 55407\nThe Mission of the Friends of South High Foundation: provide financial assistance and support for programs at South High School that directly enhance the students’ overall high school experience by enriching their academic, cultural and extracurricular experience; and to support and enhance their ability to further their education.", "domain": "economics"}
+{"url": "https://napervilleil.dental/financing/", "date": "2023-12-02T04:52:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100327.70/warc/CC-MAIN-20231202042052-20231202072052-00058.warc.gz", "language_score": 0.8977158069610596, "token_count": 204, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__169801950", "lang": "en", "text": "Naperville, IL Dentist\nWant to make a payment?\nNo Insurance? No Problem!\nA year of dentistry for less than a dollar a day with our in house dental savings plan.\nJoin PebblewoodDental’s In-House Dental $avings Plan today. Click here for more information\nFinancing and insurance can be simpler than they seem. Call us today at (630) 369-6222. We’re excited to work with you in achieving your best smile.\nOur Dental $avings Plan is designed to provide greater access to quality dental care at an affordable price. It’s a discounted fee schedule for most services, only good at Pebblewood Dental. You save on everything from cleanings and fillings to cosmetic procedures and crowns!\nPebblewood Dental has partnered with CareCredit to offer a health financing card. Zero percent interest financing is available! Click the application link below to see how much you qualify for.", "domain": "economics"}
+{"url": "https://www.jobskillstraining.org/courses/purchasing-foundations/", "date": "2024-04-12T21:17:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816070.70/warc/CC-MAIN-20240412194614-20240412224614-00660.warc.gz", "language_score": 0.9172015190124512, "token_count": 559, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__124544799", "lang": "en", "text": "Purchasing Foundations: For their firms, purchasing departments maximise savings and generate value. This course describes the purchasing process and offers suggestions for assessing, choosing, and managing suppliers. It is taught by supply chain specialist and professor Steven Brown. He also discusses the functions of cost control and strategic sourcing, as well as the related moral and legal issues. Learn more about specialised subjects including supply chain performance management, resourcing, and indirect cost on services (including transportation and utilities).\nThe primary learning objective of the “Purchasing Foundations” online course is to provide participants with a comprehensive understanding of the fundamental concepts, principles, and practices of purchasing. By the end of the course, participants will be able to:\n- Understand the Procurement Process: Participants will gain a thorough understanding of the procurement process, including its purpose, different stages, and key players involved. They will also learn about the importance of procurement ethics and the role of purchasing within an organization.\n- Develop Sourcing Strategies: Participants will be able to identify and evaluate potential suppliers, and understand the different types of sourcing methods such as direct procurement, reverse auctions, and e-procurement, and when to use each method. They will also learn how to conduct supplier assessments and select the best suppliers for their needs.\n- Manage Supplier Relationships: Participants will learn how to build and maintain strong supplier relationships, including developing supplier performance metrics, managing supplier risk, and collaborating with suppliers to drive innovation.\n- Negotiate and Manage Contracts: Participants will be able to apply negotiation strategies and tactics, and understand contract law and the key elements of a contract. They will also learn how to prepare for and conduct successful negotiations and manage contracts effectively.\n- Apply Best Practices in Purchasing: Participants will be able to apply best practices in purchasing to their own organizations, improving their procurement processes, supplier management, and negotiation skills. They will understand how to develop and implement effective procurement policies and procedures and will be able to identify and assess the risks associated with procurement.\n- Evaluate Performance: Participants will be able to evaluate the performance of their purchasing function, identify areas for improvement, and make recommendations for enhancing the effectiveness and efficiency of the procurement process.\nIn summary, the “Purchasing Foundations” online course aims to equip participants with the knowledge, skills, and tools needed to develop and implement effective purchasing strategies, manage supplier relationships, negotiate and manage contracts, and apply best practices in purchasing. Through a combination of theoretical concepts, practical examples, and case studies, participants will gain a comprehensive understanding of the purchasing function and how it can contribute to the success of an organization.", "domain": "economics"}
+{"url": "https://www.bedlamalliancegames.co.uk/product-page/london-markets", "date": "2021-10-19T22:07:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585281.35/warc/CC-MAIN-20211019202148-20211019232148-00043.warc.gz", "language_score": 0.9451432228088379, "token_count": 170, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__184685624", "lang": "en", "text": "Become the most respected merchant of the London markets.\nLondon, 19th century: Under Queen Victoria’s reign, trade of exotic goods in the United Kingdom has blossomed, with china, soap, silk and coffee being traded for top prices at London’s markets. Be sure to get your share of the profits to become the most renowned merchandiser in London.\nTo make more profits than anyone else at London’s markets and secure their position as the city’s most renowned merchandiser, players need to organize their goods cleverly in order to control their goods replenishment and their personal income.\nThrough clever use of the merchants and assistants at the different markets, in addition to smart acquisition of goods at the daily auctions, you’ll earn the profits you need to win the game!", "domain": "economics"}
+{"url": "https://creditrepairbusinesswebsites.com/our_resources/10-credit-repair-key-terms-to-boost-your-financial-know-how/", "date": "2024-04-21T02:03:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817699.6/warc/CC-MAIN-20240421005612-20240421035612-00240.warc.gz", "language_score": 0.9500661492347717, "token_count": 426, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__33274602", "lang": "en", "text": "Understanding the language of credit repair is crucial for anyone looking to improve their credit score and take control of their finances. Familiarizing yourself with these ten key credit repair terms and their definitions will equip you to navigate the credit repair process better, communicate effectively with creditors and credit bureaus, and ultimately achieve your financial goals.\n- Credit Report: A document that contains information about your credit history, including your current and past credit accounts, payment history, and other financial data.\n- Credit Score: A numerical representation of your creditworthiness, based on your credit history, that lenders use to evaluate your credit risk.\n- Credit Bureau: A company that collects and maintains consumer credit information and provides credit reports to lenders and other authorized parties.\n- Dispute: A formal request to a credit bureau to investigate and correct errors or inaccuracies in your credit report.\n- Credit Repair Organization: A company that offers services to help consumers improve their credit scores and repair their credit histories.\n- Charge-Off: When a creditor writes off a debt as uncollectible and reports it as a loss to the credit bureaus, which can significantly damage your credit score.\n- Collection Agency: A company that specializes in collecting unpaid debts on behalf of creditors and can report negative information to the credit bureaus.\n- Debt Consolidation: Combining multiple debts into a single loan with a lower interest rate or more manageable payment terms.\n- Secured Credit Card: A credit card that requires a security deposit, which serves as collateral and can help consumers build or rebuild credit.\n- Credit Counseling: A service that helps consumers manage their debts and develop a plan to improve their credit score over time, typically through education and financial coaching.\nUnderstanding these ten credit repair terms is crucial for anyone who wants to take control of their credit and financial future. You can now better navigate the credit repair process and make informed decisions about your credit. Remember, your credit score is a vital component of your financial health, and by staying knowledgeable and proactive, you can take steps to improve it and achieve your financial goals.", "domain": "economics"}
+{"url": "https://www.sharealliance.org.uk/research/individual-ownership/", "date": "2024-02-25T19:31:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474641.34/warc/CC-MAIN-20240225171204-20240225201204-00456.warc.gz", "language_score": 0.96385657787323, "token_count": 3684, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__72502461", "lang": "en", "text": "Politicians often speak glibly about ownership as if it's a definitive term, but the sense of ownership depends on a whole range of features. In the long term we are all only stewards of what we own, as we can't take it with us when we die. But the reality of ownership still relies on some influential characteristics including the extent to which it offers us participation and the ability to control our assets, and the degree to which it carries with it a sense of responsibility.\nThere are various styles of ownership, and how that ownership is enabled, and the nature of the asset, can weaken or strengthen the sense of connection which is so essential to a sense of ownership.\nA sense of ownership starts with where you live, and in the United Kingdom that’s almost out of reach now for young people, with generations born after 1970 having significantly lower levels of home ownership. The average first time buyer age was 24 in 1970, 28 in 2000 and 37 in 2013. Rock-bottom interest rates have inflated asset values massively, and have given a further massive twist to the polarisation of wealth.\nProperty ownership - real estate - is also severely challenged by debt, and almost two decades of easy borrowing at such low interest rates really hasn't helped. Bankers and finance companies have strained to maximise loan availability, to the extent of exceeding 100% through ‘shared ownership’: but when you're in hock to the bank to such a colossal extent, do you really get a sense of ownership, or does it just pile on anxiety?\nLeverage is a key problem which we must solve in order to relieve the stress that can accompany super-size mortgages; and, although some property professionals might try and portray the alternative of leaseholds as ‘ownership’, they are, of course, no such thing — particularly if they’re short duration.\nLikewise the concept of ‘shared ownership’ frequently results in the occupier carrying all the obligations while the institutional ‘sharer’ takes the benefit of price movements without bearing any of those burdens: as a result, ‘shared ownership can feel more like a trap than bringing a sense of economic freedom.\nOver thirty years ago, The Share Centre launched the Mail on Sunday Share Service, with the following encouragement to get involved:\n‘SHARE (STOCK) OWNERSHIP - The essence of investment\nShares - at times they may delight you, at times confuse you, but very rarely will they fail to fire your imagination.\nPEOPLE own shares for all sorts of reasons: almost always capital gain, either looking for the quick turn or the long-term, often for the interest in owning a share of British business, often because the charges are lower than other forms of investment. A share portfolio is indeed the essence of investment.\nCOMPANIES want people to own their shares too: personal investors take a wider interest in the company than investment institutions, and shareholder customers and employees build that interest into all areas of the company’s business.\nIt's good for our COUNTRY too that people should own their share of British business: share ownership knits a free enterprise economy together by bringing the power of ownership, the surge of the market, and the ingenuity of the workforce together under the same head’.\nIt was the start of a radical new approach to provide stock ownership for all, and The Share Centre went on to provide unprecedented access to participation through new issue distribution, providing free shares in its own business to its customers, being the first mover in a new all-employee share ownership plan, getting Company Law changed to enfranchise nominee shareowners, and providing a huge range of investment and financial education services for young people.\nThe link between ownership and responsibility is a vital component in this. When someone owns something, be it a house or a car, they generally care for it. If it's a house, the walls are painted, the garden brims with flowers; if it's a car, it's generally clean and well maintained.\nAnd so it is with owning shares in a company. Every time an M&S share owner walks into Marks and Spencer, they feel a buzz of responsibility for the way it's run. Meanwhile, if customer stock owners are recognised with special offers or discounts, that sense of connection is strengthened further.\nThe need for dis-intermediation\nBut then there's excess intermediation. Of course, many people choose to pass control of their investments over to others, often because they don't have the time, the confidence or the knowledge to manage them directly. But stepping away from control should be a conscious decision by the owner, not an imposed decision which obscures access and transparency so that others can wield power. In financial services there are far too many examples of excess intermediation — fund management, pensions, life insurance, etc.. — and the absence of proper financial education simply exacerbates the process of keeping people in the dark about their own investments.\nA few years ago, there was a wave of protest movements brought together by the word ‘Occupy’: a major camp took place just outside St Paul's Cathedral in London. Many saw it as simply a reaction to the 2008 financial crash, but it had still deeper roots. An hour or so spent in conversation with one protester in the camp just outside the financial district in Boston. Massachusetts helped in working through the issues behind their concerns, and that discussion concluded that ‘Occupy’ was really a call for disintermediation.\nThe financial sector has grown fat on the takings of the middleman, and people don't like it. Politicians respond by introducing layers of regulation, which impose still more complexity and cost. Regulators have made some progress in reducing the more opaque forms of self-enrichment, but centres of the financial world remain vibrant symbols of parasitic intermediation for all to see.\nYou can only empower people by democratising expertise, not by wrapping it up in ivory towers.\nThe free market embodies many perspectives: open competition, prices responding to supply and demand, enterprise and creativity - but also excess and self-interest. At its heart is the free ownership of capital - or is it so free? Because, to the extent that it is owned by individuals it is excessively concentrated and, to the extent that it is owned by institutions, it carries no meaning to the general public, no sense of ownership - and therefore no reason why people should feel responsible for its well-being.\nExcess intermediation kills off that vital link between ownership and responsibility, whether it’s by financial institutions or the state. By concentrating the power to steer these great engines of economic growth away from the people that they serve and employ, we must expect that those people will eventually bite the hand of those who expropriate the power - whether they are financial institutions or socialist governments.\nOver the past couple of decades, we’ve seen just such a concentration of power in financial markets, both in the US and the United Kingdom. In New York, there were 8,000 listed companies at the peak. Now there are fewer than 6,400 on NYSE and NASDAQ. London has seen a similar trend. Ten years ago there were more than 3,000 companies quoted on the main and junior markets. By 2022, the number had dropped to less than 2,000. The traditional public market for equities is now in global decline.\nThere are of course far-reaching consequences for markets and investors, but there is a deeper concern here too. The real casualty is popular support for the free market itself: because, if individuals are denied access to investing directly in stock, they can have no sense of ownership in, nor responsibility for, the great engines of industry which create wealth in such abundance.\nThis may help explain why this scale of intermediation drove the ‘Occupy’ protests, but the concentration of power has happened notwithstanding the generally healthy state of the world economy and the businesses that support it.\nOne of the main challenges is the success of private equity in providing an alternative to public markets. The rise of the buy-out industry means there are lots of alternatives for company owners who wish to sell. At the same time, a massive rise in regulation, and layer upon layer of governance codes, has made public listing a burden that many directors can no longer be bothered with.\nMost investment institutions have benefitted from the rising proportion of asset allocation dedicated to private equity, and the strong performance it has achieved. These include pension funds - so individuals do share in their performance, if not in any sense of ownership. The great Family Offices, Sovereign Wealth funds, hedge funds and insurance companies are all investing in Private Equity. This is because they all share the benefits of size: they can invest in the large amounts that Private Equity managers are prepared to accept, whereas personal investors cannot.\nStock owner engagement\nThese examples of excess intermediation should not be confused with custodial administration using ‘bare trustees’. Advocates of registered share ownership often try to present this as intermediation, but it's nothing of the sort: rather, it enables the service organisation to be the owner’s agent rather than the agent of the stock-issuing corporate, and it helps to develop investment awareness, as a share portfolio builds and diversifies. It must, of course, be accompanied by full opportunity to exercise stockholder engagement: this process started in the UK with the Companies Act 2006 Part 9, but it needs further strengthening. We need to make the supply of company communications and voting access mandatory for all such regulated custodians.\nAnother key feature of participation is the right, together with other stock owners, to circularise others who own the stock, and to bring forward resolutions for consideration at a General Meeting. In the UK, company law still sets the threshold for this participation by reference to the nominal value of the shares, which bears no relevance whatsoever to their market value. So, whereas in one company the threshold may be measured in £millions, in others it could be a few pounds.\nIf ‘Stock for Data’, discussed in one of our other research areas, is introduced, it may well be on a custodial administration basis in order to provide a straightforward route to global coverage. Widespread stock ownership is a key objective for moving to a more egalitarian form of capitalism, but it needs to include the provision of financial awareness life skills to help build capability for looking after the asset and the income and its potential capital gain, and the risks associated with asset ownership — in other words, democratising expertise.\nAll this helps to foster active involvement in company governance, so that the sense of responsibility which comes with ownership breaks down the ‘us and them’ divisions in society.\n.. and a word on the concept of ‘mutuals’ with respect to sense of ownership and distributed governance\nTrue ownership involves control and possession of the asset, whether it be property or stock: that means retaining the ability to crystallise its value. There are many examples of participation which don't do this: in particular, co-operatives and mutuals speak of participation, but only while the individual remains an employee or a member. Businesses such as the John Lewis Partnership, building societies and friendly societies are typical examples of this: they present themselves as inclusive, but there is no monetary value in the participation of a capital nature.\nIt's for these reasons that ‘Stock for Data’ refers to stock issuance in return for data storage and harvesting, and the (disposable) stockholding should increase as the relationship moves forward from year to year.\nLegal recognition of ownership rights\nOwnership in any society is only as good as its recognition in law. Western democracies have centuries of experience in building property rights into their constitutions, and no doubt this is one of the key reasons why London has attracted so much investment over the years. But there are so many examples of property rights being trampled on, whether by political systems, by government dictact or unfair taxation, or by outright theft and destruction, as in the war in Ukraine.\nIf people are to have confidence in a sense of ownership and to build the responsibility that it engenders, they must know that acceptance of their property rights is sacrosant — and this confidence must extend globally. There is a lot to do in this respect.\nReversing systemic dilution of stock ownership\nFurther structural changes are needed to embed personal share ownership more effectively. There are some key improvements where change is required in order to recognise the major contribution that ownership, rather than trading, can bring in delivering participation in wealth creation for all. The media focuses so often on share-dealing and short-term price movements, but most investors are long-term holders. They are not day-traders or gamblers: they’ve invested for long-term growth accompanied by, where available, a regular flow of dividends.\nFor example, a major handicap for the personal stock ownership segment in a listed company is that every time there is a rights issue, raising more capital from existing stock owners, the proportion of personal investors holding the stock reduces sharply. Institutional investors strengthen their position, and financial intermediation turns the screw a little harder.\nThis is because, for institutions the ‘old’ and the ‘new’ money are held by the same entity — so pre-emption rights work in their favour. But for personal investors, the ‘old’ money currently belongs primarily to those who are disinvesting in old age: they often have no ‘new’ money to take up the nil-paid rights. However personal investors who do have that ‘new’ money but don't hold the ‘old’ stock are excluded from taking part by those same pre-emption rights.\nIn order to address this, it should be mandatory for the rump sell-off of nil-paid rights at the end of the ‘Call’ period to be offered to all personal investors (via their retail investment service), alongside the institutions. At least this would help reduce the dilution in personal investor holdings in listed companies every time they carry out a secondary capital raising via a rights issue.\nThis change would significantly raise the profile of personal stock ownership. It would be a significant step forward in moving to a more egalitarian form of capitalism, in which stock owner engagement, and protection against systemic dilution, are key features.\nMany people think financial activity is more of a science; but when it comes to investment there’s no doubt that it is definitely an art, where there are no right or wrong answers and it's all down to subjective judgement.\nThe old saying about death and taxes could read ‘Risk, like tax, is always with us’. A few key points are as follows:\n- Risk is a subjective judgement.\n- Risk is relative, depending on, for example, how you approach that risk, the nature of the risk and even your age.\n- Risk does not remain constant, but can change when external events change.\n- What is considered more risky by some may be considered less risky by others.\n- And lastly, there are some risks that only a professional should take.\nEarning money by working is very different from trying to build value from capital gains on investment, and the key difference is real risk of loss of capital value. This needs to be taken into account in the tax system to encourage people to invest in risky assets like equity stocks as opposed to other alternative uses to which their money can be employed.\nRisk is also significantly increased by leverage: the financing of asset purchase with debt. With the exception of derivatives (options and futures), this is not commonplace when buying stock investments: however, it is the norm when making a property purchase. Buying a flat or house is often seen as comparatively risk-free: the servicing costs may be heavy, but people don’t usually expect to lose capital value. However, an 80% loan-to-value mortgage magnifies the impact of price movements fourfold, so a significant fall in property prices can result in the risk of losing more than your initial investment: in other words, property purchase can be potentially more risky than buying stocks.\nA couple of final notes on ..\nIt's also worth bearing in mind the compounding effect of interest costs and stock market dividend yields when looking at these long-term issues - the chart below shows the substantial compounding effect of dividends for FTSE-100 investments over the past twenty years, during which actual index values have hardly moved:\n.. and Investment Clubs\nA good way to help build awareness of stock investment is through membership of an investment club. This is a very simple concept: it’s just a group of people finding company and enjoyment in researching, discussing, selecting and investing in a portfolio of shares and funds. In the UK, it’s not a regulated activity, and it doesn’t have to be an incorporated company or any other formal body. It helps to have a simple written agreement between the members to ensure everyone shares fairly in any gains and losses, and they need to choose one of their number to control the account, although all members should be able to login and view what’s there, the valuations in the account and its underlying investments.\nA typical investment club will have 5-10 members, but they come in all shapes and sizes. Some meet regularly in a local tavern, others communicate internationally by teleconferencing, some have particular expertise in different fields or businesses, some are just a group of close friends having fun: it’s also a great way for older folk to keep in touch. Whereas individuals on their own are often anxious about getting started with investing, the Investment helps to build each member’s confidence through teamwork and good companionship.", "domain": "economics"}
+{"url": "http://w08.inf.elte.hu/english/vacancies/Lapok/FundraisingVentureCapitalrelationshipmanagercoveringCentralEasternEurope.aspx", "date": "2018-06-22T14:57:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267864546.30/warc/CC-MAIN-20180622143142-20180622163142-00234.warc.gz", "language_score": 0.8853534460067749, "token_count": 962, "dump": "CC-MAIN-2018-26", "global_id": "webtext-fineweb__CC-MAIN-2018-26__0__55018864", "lang": "en", "text": "EIT Digital seeks a Fundraising & Venture Capital relationship manager covering Central Eastern Europe\nEIT Digital is a leading European open innovation organization. Our mission is to foster digital technology innovation and entrepreneurial talent for economic growth and quality of life in Europe. We bring together entrepreneurs from a partnership of over 130 top European corporations, SMEs, start-ups, universities and research institutes. EIT Digital invests in strategic areas to accelerate the market uptake of research-based digital technologies and to bring entrepreneurial talent and leadership to Europe. EIT Digital is consistently mobilizing talents, ideas, technologies, investments and business across Europe and beyond to stimulate disruptive digital innovation. The headquarter is in Brussels with co-location centers in Berlin, Eindhoven, London, Helsinki, Paris, Stockholm, Trento, as well as in Budapest and Madrid. EIT Digital’s mission is to turn these already excellent regional clusters into world-class innovation hotspots. Find out more about EIT Digital from http://www.eitdigital.eu\nWithin its Business Development Accelerator (BDA), EIT Digital is coaching more than 80 startups and scale-ups located across Europe and is supporting them in their fundraisings (Access to Finance). The purpose of this job is to develop this activity that supports the BDA startups, and consequently help them in their European expansion.\nThe Fundraising Manager will coordinate within the Access to Finance team (A2F) fundraisings for Eastern European (in Austria, Hungary, Czech Republic, Poland, Slovakia and Slovenia) startups looking for international expansion, as well as EU startups seeking financing from these regions. These start-ups are in general seeking to raise between 1 and 10m€. The Fundraising Manager will collaborate closely with the European A2F team, the European Business Developers, and especially with the head of the Business Development Accelerator (BDA). He/she will report to the Head of Access to Finance. This is a full-time position.\n1. Engage with European startups coached within EIT Digital’s Business Accelerator in order to understand and fine-tune their financing needs (amount, timing, use of proceeds).\n2. Work with the CEOs of startups to prepare and rehearse their pitch (to investors).\n3. Review and comment the fundraising Pitches and Business Plans prepared by the start-ups.\n4. Connect with Venture Capital firms and selected investors in the region.\n5. Build up strong relationships within the Eastern-Europe Venture Capital ecosystem.\n6. Organize and co-ordinate fundraisings in a variety of formats (e.g. face to face meetings, events, introductions) for the selected startups.\n7. Negotiate fundraising term-sheets and financial agreements.\n8. Collaborate with BDA team of EIT Digital to organize joint events.\nPlace of employment\nEIT Digital Co-Location Center in Budapest: Hungary-1117, Budapest, Bogdánfy u. 10/a.\nRegular travels are expected for this position.\n- 4 to 10 years of experience in fundraising for startups or similar experience within Venture Capital firms\n- University degree in Business, Engineering or Science\n- Engineering degree with solid experience in finance are welcome\n- Strong financial skills, especially on business plan preparation and fine-tuning\n- Experience in financial analysis and start-up valuation\n- Experience using tools used in the venture capital industry (databases, etc.)\n- Prior experience in negotiating financial term-sheets\n- Mastery of MS Office (Excel and Powerpoint are a must)\nCompetencies, Skills and Abilities\n- Knowledge of the Eastern-European Venture Capital industry\n- Superior presentation skills in English (verbal, written)\n- Excellent ability to convey simple and effective value propositions and messages\n- Strong team player in a pan-European context\nBilingual in either Hungarian, German, Slovak, Czech or Polish. Bilingual in English.\nKnowledge of any of the following languages: German, Hungarian, German, Slovak, Czech, Polish Slovenian or Italian is an advantage.\nIf interested, please submit your application in English – motivation letter, detailed CV, photocopy of university degree(s), proof of relevant language skills, and a declaration by the applicant that she/he consents to the use of her/his personal data in the course of the selection process – before March 15th 2016 either electronically to email@example.com or by mail to ELTE Informatikai Kar Dékáni Hivatal, 1117 Budapest, Pázmány P. sétány 1/C.", "domain": "economics"}
+{"url": "http://www.seemanfinancial.com/", "date": "2017-02-20T13:16:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501170562.59/warc/CC-MAIN-20170219104610-00382-ip-10-171-10-108.ec2.internal.warc.gz", "language_score": 0.9540519714355469, "token_count": 146, "dump": "CC-MAIN-2017-09", "global_id": "webtext-fineweb__CC-MAIN-2017-09__0__165683013", "lang": "en", "text": "We are committed to providing unbiased advice and prudent strategies for investing, tax and accounting services. Our accounting services are always tailored to your unique needs. We provide accounting services, tax preparation for both individuals and businesses, and financial planning and investing services.\nWhether you’re a business or an individual, our staff is educated and qualified to help you with financial needs. We're located near Eau Claire, WI, but we serve clients throughout Wisconsin and Minnesota.\nFrom payroll and accounting, to investment management and retirement planning, call us for your free consult on how our professionals can make a difference in your finances.\nWith unparalleled accounting services and investment management, we’re a complete, one stop financial services center.", "domain": "economics"}
+{"url": "https://all-starpayroll.com/payroll-services-2/", "date": "2021-04-11T00:24:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038060603.10/warc/CC-MAIN-20210411000036-20210411030036-00383.warc.gz", "language_score": 0.923710823059082, "token_count": 346, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__161031973", "lang": "en", "text": "Are you a “one-person show” or do you have 50 employees? Do your employees all work in Colorado, or are they in several states? Do you do your own payroll, or do you pay sub-contractors, and just need year end reporting? Whatever the case, our payroll service is designed to help make paying your employees easier.\n- Payroll processing: Each pay period we give you the freedom to choose the method of submitting payroll data that works best for you (E-mail, Telephone, or Fax) and we will accurately calculate net pay. You then have a choice of how to make payments to your employees – ACH, direct deposit, printed check, or you can write a manual check.\n- File reports and schedule payroll tax payments: Precisely calculate and schedule payments of all applicable payroll tax reports and taxes with the proper local, state, and federal agencies.\n- Calculation of payroll garnishments: Correctly calculate and prioritizes garnishments and guide you on how to send the payment to the appropriate agency.\n- New hire reporting: Report all new hires to the government on your behalf.\n- Paid-time-off management: We will track how many vacation and sick hours employees have earned and how much they’ve used.\n- Payroll compliance: We also stay on top of legislation affecting payroll compliance, so you don’t need to.\n- Year end reporting: We process and file W2s, W3s (for payroll), 1096 forms, and 1099s (for sub-contractors or contract labor) at the end of the year with all the required federal government agencies.", "domain": "economics"}
+{"url": "https://recordi.wixsite.com/ianrecord-consulting", "date": "2022-12-09T01:21:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711376.47/warc/CC-MAIN-20221209011720-20221209041720-00337.warc.gz", "language_score": 0.9251987934112549, "token_count": 727, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__287632920", "lang": "en", "text": "Dedicating his career to informing, supporting, and advancing the effective exercise of tribal sovereignty and self-determination, Ian Record has worked with more than 100 Tribal Nations and First Nations in the United States and Canada over the past two decades, helping them to strengthen their governance systems and design and implement strategic initiatives that advance their long-term economic and community development priorities. He also has worked with a number of Native organizations and Indian Country partners to develop and implement projects designed to enhance tribal self-governance, capacity building, small business development, and asset building in tribal communities. The services that Ian provides include:\nstrategic plan development and implementation;\ntribal governance and policy analysis (notably governance/constitutional reform, and citizenship/enrollment policy and criteria);\n\"477\" workforce development plan and program development;\nexecutive education on governance, economic development, and workforce development for tribal/organizational leaders;\ncutting-edge research documenting and sharing trends and best practices in tribal governance and development;\nfederal and state policy analysis and advocacy; and\ndesigning, writing, and editing speeches, research publications, policy briefs, and other materials.\nDr. Ian Record is a consultant with extensive expertise in tribal governance, economic and workforce development, constitutional reform, federal Indian policy, and related areas.\nFrom 2014 to 2021, he served as Vice President of Tribal Governance and Special Projects at the National Congress of American Indians. In this capacity, he led NCAI’s efforts to develop, coordinate, and share the knowledge, tools, and resources that Tribal Nations and leaders need to strengthen their governance systems and more effectively exercise their sovereignty. He also served as a policy lead on tribal workforce and economic development, and oversaw several NCAI projects, including its Ending “Indian” Mascots Initiative, Tribal Climate Action Initiative, Tribal Food Sovereignty Advancement Initiative, and Building Tribal Economies Initiative.\nFrom 2004 to 2014, Record served as Manager of Educational Resources for the Native Nations Institute for Leadership, Management, and Policy (NNI) at the University of Arizona. Dr. Record obtained his Ph.D. in American Indian Studies from the University of Arizona. Among his many publications is his award-winning book Big Sycamore Stands Alone: The Western Apaches, Aravaipa, and the Struggle for Place.\nSample Lectures and Executive Education Highlights (videos):\nClients served include:\nBois Forte Band of Chippewa\nForest County Potawatomi\nFunders Together to End Homelessness\nInter Tribal Council of Arizona\nNational Center for American Indian Enterprise Development\nNational Indian and Native American Employment and Training Conference\nNational Indian Health Board\nNative CDFI Network\nSioux Valley Dakota Nation\nSquaxin Island Tribe\nYsleta del Sur Pueblo\nBelow are selected publications by Ian Record. For a full list, please click here.\nThe Biden Administration righted a tribal workforce development wrong (Indian Country Today)\nBig Sycamore Stands Alone: The Western Apaches, Aravaipa, and the Struggle for Place (Winner, Southwest Book Award, 2009)\nToolkits and Case Studies:\nPapers and Policy Briefs:", "domain": "economics"}
+{"url": "https://censis.org.uk/censis_projects/tidal-turbine-collision-detection/", "date": "2024-04-16T12:50:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817095.3/warc/CC-MAIN-20240416124708-20240416154708-00527.warc.gz", "language_score": 0.9457436203956604, "token_count": 847, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__198556829", "lang": "en", "text": "A new type of sensor could soon be installed on the blades of subsea tidal turbines to monitor the interaction between marine life and renewable energy installations, as a result of a new collaborative project involving the Offshore Renewable Energy (ORE) Catapult and CENSIS. The initiative is the first time the government-backed Catapults and Innovation Centres have worked together and the collaborative project explores how to cut costs and boost confidence in tidal energy projects.\nThe organisations’ research will aim to improve the monitoring of activity around subsea tidal installations and provide a warning when there is a risk of a collision with a tidal device. The project partners will assess whether sensor technology from other industries can be employed to detect, monitor and forewarn of potential collisions with tidal energy devices, or if a new sensor technology is needed.\nCurrent monitoring processes can be very expensive, involving teams of watchers on the seashore and a mixture of subsea listening devices. Subsequently, the cost of subsea environmental monitoring can be substantial and inconclusive when it is difficult to confirm surface sightings with events beneath the waves.\nRegulations stipulate that developers must analyse the environment around a proposed site for two years prior to installation, as well as during the construction phase and throughout the plant’s operation. This is likely to be at least 20-25 years.\nVicky Coy, Project Manager at ORE Catapukt, said: “Tidal energy is an emerging market with great export potential, which the UK has the potential to lead. We have some of the best tidal resources around the UK and are already at the forefront of industry research, leading in the design and demonstration of this technology. Scotland, in particular, has a number of rich tidal energy sites with the Pentland Firth and Orkney Waters among the greatest in the UK.\n“Our primary concern is safety: the safety of both the natural environment in which we want to operate and of the equipment we want to install and use to generate energy. To achieve that, we must design reliable monitoring systems that confirm these systems can be comfortably integrated into the subsea environment. But, we also need to make the technology cost effective. Another aspect of this project is to simplify and reduce the costs from what is, in effect, the subsea equivalent of the planning process.\n“Tidal energy developers tend to be small and medium-sized companies with limited resources, so any costs which can be removed at the same time as improving safety will be welcomed by the industry. We’ve had a lot of positive engagement from both the business and academic communities, and we’re looking to harness this support further when we move to the next stages of this initiative.”\nThere are a number of developments at various stages of the planning process in the tidal energy market. The first and most high profile of these is the MeyGen project located in the North of Scotland. It aims to deploy up to 398MW of offshore tidal stream turbines by the early 2020s.\nGavin Burrows, Project Manager at CENSIS, said: “We’re working with a number of organisations to articulate the needs for a sensor system with the appropriate sensitivities – one that can provide evidence of how marine mammals behave near tidal turbines and also determine what exactly has impacted on a particular asset, should a collision occur. It’s most likely that sensors, whether these are brought in from another industry or developed specifically for this purpose, will be built into the blades of subsea turbines. This could have applications in a range of other offshore devices, not just in the tidal energy market.\n“There is significant potential for us to export the skills and expertise we’ll be developing as part of this project – particularly as we move into the demonstration and commercialisation phases. Likewise, researchers will have access to new and hitherto untapped data, giving them the opportunity to accelerate the industry. The potential is there for our academic and business communities to take further leaps forward in the tidal energy market – our aim is to make this happen and create economic value out of the research for Scotland.”", "domain": "economics"}
+{"url": "https://ushville.com/horse-leasing-near-you", "date": "2023-05-29T13:09:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644855.6/warc/CC-MAIN-20230529105815-20230529135815-00420.warc.gz", "language_score": 0.952409029006958, "token_count": 6613, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__26622721", "lang": "en", "text": "If you are a horse lover but do not have the resources to buy one, horse leasing might be the perfect option for you. Horse leasing is a great way to enjoy the perks of horse ownership without the high expenses of buying and maintaining a horse. In this article, we’ll explore everything you need to know about horse leasing and how to find the best horse leasing options near you.\n🐎 What is Horse Leasing?\nHorse leasing is an arrangement where the owner of the horse leases the horse to an individual or group for a set period of time. The horse lessee typically pays a monthly fee to the owner for the use of the horse. In most cases, the lessee is responsible for the horse’s care, including feeding, grooming, and veterinary care. Leasing a horse can be a great way to get more involved in the equestrian community without the expense and commitment of owning a horse.\n🐴 Benefits of Horse Leasing\nHorse leasing offers several benefits, including:\n- 🐴 Lower costs compared to buying a horse\n- 🐴 The opportunity to ride and care for a horse without owning one\n- 🐴 Flexibility to choose the type of horse you want to lease\n- 🐴 The ability to participate in shows and events without owning a horse\n- 🐴 The chance to build a strong relationship with a horse\n🔍 Types of Horse Leases\nThere are several types of horse leases, each with its own terms and conditions. The most common types of horse leases include:\n🐴 Full Lease: In a full lease, the lessee has full access and control of the horse, including all riding and training. The lessee is responsible for all expenses related to the horse’s care, including feed, veterinary care, and board.\n🐴 Half Lease: In a half lease, two individuals share the responsibility of caring for the horse. The lessee typically pays half of the horse’s expenses and has access to the horse for a set number of days each week.\n🐴 Quarter Lease: In a quarter lease, four individuals share the responsibility of caring for the horse. The lessee typically pays a quarter of the horse’s expenses and has access to the horse for a set number of days each month.\n🐴 What is a Full Lease on a Horse?\nIf you’re interested in riding horses but don’t have the resources to own one, horse leasing may be a great option for you. Leasing a horse means that you are paying to use someone else’s horse for a certain period of time, usually a month or more. One type of lease is a full lease, which gives you exclusive access to the horse for the duration of the lease. In this article, we’ll cover what a full lease is and some things to consider before signing a lease agreement.\nA full lease on a horse is a lease where you have exclusive access to the horse for a certain period of time. This means that you are responsible for all of the horse’s expenses, including board, feed, and veterinary care, as well as any training or lessons you may want to take with the horse. With a full lease, you essentially take on the role of an owner for the duration of the lease.\nWhat are the Benefits of a Full Lease? 🤩\n1. More Time with the Horse 🕰️\nWith a full lease, you have exclusive access to the horse for the duration of the lease. This means that you can spend more time with the horse, getting to know their personality and building a stronger bond. If you’re someone who loves spending time with horses, a full lease can be a great way to do that without the commitment of ownership.\n2. Improved Riding Skills\nWhen you have more time with a horse, you have more opportunities to work on your riding skills. With a full lease, you can ride the same horse consistently, which allows you to develop a deeper understanding of their movements and behaviors. This can help you become a better rider overall.\n3. Financial Benefits 💰\nOwning a horse is a significant financial commitment. With a full lease, you don’t have to worry about the upfront costs of purchasing a horse or the ongoing expenses of boarding, feed, and veterinary care. Instead, you pay a monthly fee to lease the horse and cover their expenses during the lease period.\nWhat are the Drawbacks of a Full Lease? 😔\n1. Responsibility 🙇\nWhile a full lease gives you more time with a horse, it also comes with more responsibility. You are responsible for all of the horse’s expenses, including board, feed, and veterinary care. You are also responsible for any training or lessons you want to take with the horse. If you’re not prepared to take on this level of responsibility, a full lease may not be the best option for you.\n2. Risk 🤕\nWhen you lease a horse, you are assuming some level of risk. While you may have the opportunity to ride the horse before signing a lease agreement, there is always a chance that the horse may not be the right fit for you. Additionally, if the horse gets injured or sick during the lease period, you may be responsible for the veterinary bills.\nWhere Can I Find Full Lease Opportunities? 🔍\nIf you’re interested in a full lease, you can start by contacting local barns or trainers in your area. They may have horses available for lease or be able to connect you with someone who does. You can also check online marketplaces such as Equine.com or DreamHorse.com for full lease opportunities.\nA full lease on a horse can be a great option for someone who wants more time with a horse without the financial commitment of ownership. With a full lease, you have exclusive access to the horse for a certain period of time, which allows you to develop a stronger bond and improve your riding skills. However, a full lease also comes with added\n🐴 What is a Half Lease on a Horse?\nIf you’re an equestrian enthusiast, you know that owning a horse can be an expensive and time-consuming endeavor. That’s why many horse lovers turn to leasing. Leasing a horse allows you to enjoy the pleasures of horseback riding without having to purchase and care for a horse. There are several types of horse leases available, including full, partial, quarter, and half leases. In this article, we will discuss half leases on horses.\nA half lease is a type of horse lease that involves sharing a horse with another person. The lease agreement typically splits the costs of horse ownership, such as board, feed, and veterinary care, between the two parties. The lessee, or the person leasing the horse, has access to the horse for a certain number of days per week, usually three to four. The other half of the week, the horse is used by the other party involved in the lease agreement.\n🤔 Why Consider a Half Lease?\nThere are several reasons why a half lease might be the right option for you:\n- Financial considerations: Owning a horse can be expensive. By splitting the costs of horse ownership, a half lease can be a more affordable option.\n- Time constraints: Many equestrians have busy schedules and can’t commit to riding every day. A half lease allows you to enjoy horseback riding without having to make a daily time commitment.\n- Sharing the experience: Half leases can be a great way to share the joys of horseback riding with another person. You and your co-lessee can learn from each other, share tips and advice, and enjoy the experience together.\n📝 What is Included in a Half Lease Agreement?\nHalf lease agreements can vary, but they typically include:\n- The number of days per week the lessee has access to the horse\n- The days of the week the lessee can ride\n- The responsibilities of each party involved in the lease agreement\n- The costs associated with horse ownership, such as board, feed, and veterinary care\n- The duration of the lease agreement\nWho is Responsible for What in a Half Lease Agreement?\nHalf lease agreements typically specify the responsibilities of each party involved in the lease. Here are some examples of the responsibilities that may be included in a half lease agreement:\n- Lessee: The lessee is responsible for caring for the horse on the days they have access to it. This may include feeding, grooming, and exercising the horse. The lessee may also be responsible for paying for a portion of the horse’s board, feed, and veterinary care.\n- Lessor: The lessor is responsible for caring for the horse on the days the lessee does not have access to it. This includes feeding, grooming, and exercising the horse. The lessor may also be responsible for paying for a portion of the horse’s board, feed, and veterinary care.\n- Shared responsibilities: Some responsibilities may be shared between the lessee and lessor. For example, both parties may be responsible for scheduling farrier and veterinary appointments.\n📝 What Should You Look for in a Half Lease Agreement?\nWhen considering a half lease agreement, there are several important factors to keep in mind:\n- Cost: Make sure you understand the costs associated with the half lease, including board, feed, and veterinary care.\n- Riding time: Ensure the riding schedule works for you and that you will have enough time with the horse to meet your goals.\n- Responsibilities: Understand the responsibilities of each party involved in the lease agreement.\n- Duration: Make sure the duration of the lease agreement works\n🐎 Advantages and Disadvantages of a Half Lease\nA half lease can be an excellent option for riders who want to have more time with a horse without the full financial commitment of ownership. However, it is important to consider both the advantages and disadvantages before committing to a half lease.\n- More time with the horse: Half leases offer riders the opportunity to ride and spend time with a horse more frequently than if they were only taking lessons or riding occasionally.\n- Shared expenses: With a half lease, the expenses of caring for the horse are shared between the owner and the lessee, which can be more affordable for both parties.\n- Potential for a deeper connection: Because the lessee is spending more time with the horse, there is a greater opportunity to develop a strong connection and bond with the animal.\n- Less control: Because the horse is still owned by someone else, the lessee may have less control over the horse’s training, care, and management.\n- Scheduling conflicts: Sharing a horse with another person means coordinating schedules, which can be challenging if both parties have busy lives.\n- Financial risk: If the owner decides to sell the horse during the half lease term, the lessee may be left without a horse to ride.\n🐎 Finding a Half Lease\nIf you are interested in a half lease, there are a few ways to find one. One option is to reach out to local stables or barns and ask if they have any horses available for half lease. You can also search online for classified ads or horse leasing websites.\nWhen searching for a half lease, it is important to consider factors such as location, cost, and the horse’s level of training and suitability for your riding ability. You should also take the time to meet with the horse’s owner and discuss expectations, responsibilities, and any rules or guidelines for the half lease arrangement.\n🐎 Tips for a Successful Half Lease\nIf you do decide to pursue a half lease, there are several things you can do to ensure a successful and positive experience for both you and the horse’s owner:\n- Communicate clearly and often: Make sure you have open and honest communication with the horse’s owner regarding scheduling, care, and any issues that may arise.\n- Follow the guidelines set by the horse’s owner: Be respectful of the horse’s owner and any rules or guidelines they have set for the half lease.\n- Treat the horse as if it were your own: Take care of the horse as if it were your own, and ensure that its needs are being met both during and outside of your riding time.\n- Stay organized: Keep track of any expenses, scheduling changes, or other important information related to the half lease.\n- Enjoy the experience: Above all, remember that a half lease is an opportunity to spend more time with a horse and improve your riding skills, so enjoy the experience and make the most of your time with the horse.\n🐴 What is a Quarter Lease on a Horse? 🐎\nIf you’re someone who loves horse riding but cannot afford to own a horse or pay for full-time boarding, then leasing a horse may be the perfect solution for you. Leasing a horse is an arrangement where the horse’s owner allows you to ride and take care of the horse in exchange for a monthly fee.\nHowever, not everyone needs or wants to ride a horse full-time, and that’s where a quarter lease comes in. In this article, we will take a closer look at what a quarter lease is, what it entails, and how it works.\nA quarter lease is a type of horse leasing agreement where the lessee (you) has access to the horse for a quarter of the time each week. In most cases, the quarter lease involves riding the horse for one or two days per week, and the remaining time is left to the owner or other lessees.\nHow Does a Quarter Lease Work?\nThe terms of a quarter lease agreement may vary depending on the owner’s preferences and the specific horse involved. In general, a quarter lease may include the following:\n- A set number of days per week or month that the lessee can ride the horse\n- A specific time frame for the lease, such as three or six months\n- A monthly fee that covers the horse’s care, including food, shelter, and veterinary expenses\n- A requirement for the lessee to take care of the horse on the days they ride, such as grooming and tacking up\n- An agreement on who is responsible for certain expenses, such as farrier or dental care\nIt’s important to note that a quarter lease is a legal agreement, and it’s essential to have a written contract outlining the terms and conditions of the lease to avoid any misunderstandings or disputes.\nAdvantages of a Quarter Lease\nA quarter lease can offer several benefits for both the lessee and the horse owner, including:\nQuarter leasing a horse can be more affordable than full-time leasing or owning a horse, as the lessee only pays a portion of the horse’s expenses. This makes it an excellent option for riders who are on a tight budget.\nQuarter leasing a horse can offer more flexibility in terms of scheduling and riding frequency. Unlike full-time leases or horse ownership, a quarter lease allows riders to have access to a horse without the pressure of committing to a strict riding schedule.\n3. Opportunity to Build a Relationship\nA quarter lease can also provide an opportunity for the lessee to build a relationship with the horse over time. By spending regular time with the horse, the rider can develop a bond and understanding of the horse’s personality and preferences.\nDisadvantages of a Quarter Lease\nWhile there are many advantages to a quarter lease, there are also some potential downsides, including:\n1. Limited Riding Time\nWith a quarter lease, the lessee only has access to the horse for a limited time each week, which may not be enough for some riders. Those looking to compete in shows or engage in intensive training may find a quarter lease to be insufficient.\n2. Limited Control\nSince the horse is not owned by the lessee, they have limited control over the horse’s care and training. Any major decisions regarding the horse, such as medical treatments or changes in training, must be made by the owner.\n3. Risk of Injuries or Illness\nJust like with any horse-related activity, there is always a risk of injury or illness. It’s important to ensure that the horse being leased is healthy and well-cared for to reduce the risk of accidents or health issues.\n🐴 Where to Find Horse Leasing Near You\nNow that you know the benefits and types of horse leases, the next step is finding the best horse leasing options near you. Here are some tips to help you get started:\n🐴 Search Online: The internet is a great place to start your search for horse leasing options near you. Check out online classifieds, horse forums, and social media groups to find horse owners and trainers in your area who may be offering horse leasing.\n🐴 Ask Local Horse Trainers: Reach out to local horse trainers and riding instructors to see if they offer horse leasing programs. They may have horses available for lease or know of other trainers in the area who do.\n🐴 Check Local Equestrian Centers: Many equestrian centers offer horse leasing programs. Check out your local equestrian center to see if they have any horses available for lease.\n🐴 Attend Local Horse Shows: Attend local horse shows and events to meet other horse owners and trainers who may be offering horse leasing. This is also a great opportunity to network and learn more about the equestrian community in your area.\n🐎 Does Leasing a Horse Make Sense? 🤔\nOwning a horse is a dream for many, but it can be a huge commitment of time, money, and energy. Between the cost of feed, boarding, vet bills, and equipment, owning a horse can quickly add up. That’s where horse leasing comes in as a more practical alternative. Leasing a horse means you have access to a horse without the full-time commitment and financial investment of owning one. In this blog post, we’ll explore the advantages and disadvantages of leasing a horse and help you decide if it’s the right choice for you.\nAdvantages of Leasing a Horse 🌟\n1. Cost-Effective 💰\nOne of the main advantages of leasing a horse is that it can be more cost-effective than owning one. When you lease a horse, you typically pay a monthly fee that covers the horse’s care, including feed, boarding, and other necessary expenses. This can be a great option for those who want to ride and spend time with horses without breaking the bank.\n2. Flexible Commitment ⏰\nLeasing a horse offers more flexibility than owning one. You can choose to lease a horse for a short or long-term period, which can be perfect if you’re not ready to make a long-term commitment. It can also be a good option if you’re not sure if horse ownership is for you.\n3. Experience Different Breeds and Disciplines 🏇\nLeasing a horse can be a great opportunity to try out different breeds and disciplines without the long-term commitment of owning. You can gain experience in different areas of horse riding and care without the need to purchase different horses or travel to different stables.\nWhen you lease a horse, you typically share the responsibility of caring for the horse with the owner or other leaseholders. This can be beneficial for those who want to learn more about horse care and management without taking on the full responsibility of ownership.\nDisadvantages of Leasing a Horse 👎\n1. Lack of Control 🚫\nOne of the biggest disadvantages of leasing a horse is that you may have less control over the horse’s care and training. The owner or trainer may have their own methods and training philosophies that don’t align with your own.\n2. Limited Access 🙅♀️\nWhen you lease a horse, you may have limited access to the horse, especially if there are other leaseholders. This can make it challenging to establish a strong bond and connection with the horse.\n3. No Equity 🤷♀️\nUnlike owning a horse, leasing a horse doesn’t provide any equity. You won’t have any ownership stake in the horse and won’t be able to sell it for a profit in the future.\n4. Liability 🚨\nLeasing a horse can come with liability concerns. If you or the horse are involved in an accident, you could be held liable for any damages or injuries. Make sure to clarify the liability agreement with the owner or stable before signing any lease agreement.\n🐎 Is Leasing a Horse Right for You? 🤔\nLeasing a horse is a great way to experience horse ownership without the long-term commitment and expenses of buying a horse outright. However, it’s important to consider whether leasing is the right option for you. In this article, we will discuss the pros and cons of horse leasing and help you determine whether it’s the best choice for you and your lifestyle.\n💰 Pros of Leasing a Horse\n1. Lower Financial Commitment\nOne of the biggest advantages of horse leasing is the reduced financial commitment. With leasing, you do not have to pay the full purchase price of the horse or cover all of the expenses associated with horse ownership, such as boarding, feed, and veterinary care.\nLeasing provides flexibility that owning a horse does not. You can choose the length of the lease and the number of days per week you want to ride the horse. Additionally, if you need to move or your circumstances change, you can end the lease at any time without having to sell the horse.\n3. Trial Period\nLeasing is a great way to test the waters of horse ownership. It allows you to try out horse ownership without committing to a long-term purchase. You can learn about the responsibilities of horse care and management and decide if owning a horse is right for you.\n4. Access to High-Quality Horses\nLeasing can provide access to high-quality horses that may be outside your budget if you were to purchase a horse outright. It’s a great way to experience different breeds, disciplines, and personalities of horses.\n🤕 Cons of Leasing a Horse\n1. Limited Control\nOne of the biggest drawbacks of leasing a horse is the limited control over the horse’s care and management. As a lessee, you may not have control over the horse’s feed, turnout schedule, or veterinary care. Additionally, the owner may have certain requirements for the horse’s training, competition schedule, or other activities.\n2. Lack of Ownership\nWith leasing, you do not own the horse, so you do not have the same emotional connection or investment in the horse as you would if you were the owner. Additionally, you may not be able to make certain decisions regarding the horse’s care and management.\n3. Risk of Injury or Illness\nHorse ownership carries certain risks, including the risk of injury or illness to the horse. As a lessee, you may not have control over the horse’s environment, which can increase the risk of injury or illness.\n4. Financial Burden\nWhile leasing is generally less expensive than buying a horse outright, it still requires a financial commitment. You will be responsible for paying for boarding, feed, and veterinary care, in addition to the lease fee.\n🐴 How much does it cost to lease a horse?\nLeasing a horse can be a great way to experience horse ownership without the long-term commitment and financial responsibility of purchasing a horse outright. However, it’s important to understand the costs involved before committing to a lease. In this article, we will explore the various expenses associated with leasing a horse and provide you with a better understanding of how much it might cost.\n🏷️ Upfront Costs\nThe upfront costs associated with leasing a horse can vary greatly depending on the terms of the lease agreement. Here are some of the most common upfront costs you may encounter:\n1. Lease Fee\nThe lease fee is the amount you will pay to the owner of the horse for the right to ride and care for the horse during the lease period. The lease fee can vary greatly depending on the value of the horse, the length of the lease, and the terms of the agreement. Generally, the lease fee is paid upfront and may be a one-time payment or a monthly fee.\n2. Security Deposit\nIn some cases, the owner of the horse may require a security deposit to ensure that the horse is returned in the same condition it was in at the start of the lease. The security deposit can vary depending on the value of the horse and the length of the lease. The security deposit is typically refunded at the end of the lease period if the horse is returned in good condition.\nIt is important to insure the horse during the lease period to protect both you and the owner of the horse in case of injury, illness, or other unforeseen circumstances. The cost of insurance can vary depending on the value of the horse and the level of coverage required.\n📈 Ongoing Costs\nIn addition to the upfront costs associated with leasing a horse, there are also ongoing costs that must be considered. Here are some of the most common ongoing costs:\nUnless you own your own land and can keep the horse on your property, you will need to pay for boarding at a stable or equestrian center. The cost of boarding can vary greatly depending on the location, the facilities, and the services provided. Boarding fees may be included in the lease agreement or may be paid separately.\n2. Feed and Bedding\nYou will need to provide feed and bedding for the horse during the lease period. The cost of feed and bedding can vary depending on the type of feed and bedding used and the size and dietary needs of the horse.\n3. Farrier and Veterinary Care\nYou will be responsible for the cost of routine farrier care, such as hoof trimming and shoeing, as well as veterinary care, such as vaccinations and check-ups. The cost of farrier and veterinary care can vary greatly depending on the location and the specific needs of the horse.\n4. Equipment and Supplies\nYou will need to provide your own riding equipment, such as a helmet, boots, and riding pants, as well as supplies such as grooming tools, tack, and blankets. The cost of equipment and supplies can vary depending on the quality and quantity required.\n💰 Total Cost\nThe total cost of leasing a horse will depend on the specific terms of the lease agreement and the ongoing expenses incurred. However, to give you a general idea of the cost, here is an example:\nSuppose you lease a horse for one year at a monthly lease fee of $500. You also pay a security deposit of $1,000, insurance of $1,200, and boarding fees of $600 per month. You provide your own feed and bedding at a cost of $200 per month and spend an average of $150 per month on farrier and veterinary care. You also spend $1,000 on equipment and supplies at the start of the lease.\n🐴 Browse or Post Horse Leasing Classifieds 🐴\nHorse leasing is a popular option for riders who cannot afford to buy their own horse, or for those who do not want to commit to owning a horse. Leasing a horse can give riders the opportunity to bond with and ride a horse on a regular basis without the full responsibility and costs of ownership.\nIf you are looking to lease a horse or have a horse that you would like to lease out, classifieds can be a great resource. In this article, we will explore the benefits of browsing or posting horse leasing classifieds and provide tips on how to make the most of this resource.\nBenefits of Browsing Horse Leasing Classifieds\n🌟 Wide Range of Options\nBrowsing horse leasing classifieds can provide you with a wide range of options to choose from. You can find horses of different breeds, ages, and skill levels. You can also find horses available for different lease lengths and prices.\n🌟 Opportunity to Meet New People\nBrowsing horse leasing classifieds can give you the opportunity to meet new people who share your love for horses. You can meet other riders who are looking to lease horses or horse owners who are looking to lease out their horses.\nLeasing a horse can be a cost-effective option for riders who do not have the financial means to purchase their own horse. Classifieds can provide you with options for leasing horses at a lower cost than buying a horse outright.\n🌟 No Long-Term Commitment\nLeasing a horse can give you the opportunity to ride and bond with a horse without the long-term commitment and costs of ownership. If you are unsure about committing to horse ownership, leasing a horse can be a great option.\nBenefits of Posting Horse Leasing Classifieds\n🌟 Reach a Wide Audience\nPosting horse leasing classifieds can help you reach a wide audience of potential leasers. You can reach riders who are actively searching for horses to lease and those who may be considering leasing a horse.\n🌟 Control over Lease Terms\nWhen you post a horse leasing classified, you have control over the terms of the lease. You can specify the lease length, the price, and any other requirements or conditions for the lease.\n🌟 Secure and Safe\nPosting horse leasing classifieds on a reputable website can be a secure and safe way to find potential leasers. Most classified websites have systems in place to protect both the horse owner and the leaser.\nTips for Browsing or Posting Horse Leasing Classifieds\nWhether you are browsing or posting horse leasing classifieds, there are some tips that can help you make the most of this resource.\n🐴 Be Specific\nIf you are posting a horse leasing classified, be specific about the terms of the lease, the horse’s age, breed, and skill level. If you are browsing horse leasing classifieds, be specific about your needs and requirements for the horse lease.\n🐴 Ask for References\nIf you are a potential leaser, ask for references from the horse owner. This can help you ensure that the horse owner is reputable and that the horse is in good condition.\n🐴 Visit the Horse\nIf possible, visit the horse before entering into a lease agreement. This can give you the opportunity to meet the horse and assess its temperament and health.\n🐴 Have a Written Agreement\nWhether you are a horse owner or a leaser, it is important to have a written lease agreement. This can help ensure that both parties are aware of the terms of the lease and can help prevent any misunderstandings or disagreements.\nHorse leasing can be an excellent way to enjoy the benefits of horse ownership without the high expenses and commitment of buying a horse. By understanding the different types of horse leases and where to find them, you can find the best horse leasing options near you. Whether you’re an experienced rider or just starting, horse leasing can be a great", "domain": "economics"}
+{"url": "https://www.sats.co/team", "date": "2023-05-30T17:40:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224646076.50/warc/CC-MAIN-20230530163210-20230530193210-00198.warc.gz", "language_score": 0.9693264961242676, "token_count": 273, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__212124033", "lang": "en", "text": "Two and a half years ago my co-founders and I watched the pandemic reveal how unfair the world of money is.\nWe saw small business owners who could not import goods from abroad because people wouldn't take their money. We saw parents struggle to pay for their children's tuition because they couldn't find FX. And, we saw our family and friends lose half their savings because of devaluation... even though they didn't do anything wrong.\nWe started Sats because we don't want this to happen again. At Sats, we are building technology so anyone can save, spend, or earn money in any currency that they want.\nThis month, we have taken our first step to making this a reality.\nOur mobile wallet allows you to save your Naira in digital dollars, safe from Inflation. You can withdraw your money anytime you’d like, giving you full control over your money. In the future, you will be able to use your Sats wallet to send digital dollars abroad or pay for services online.\nOur goal is to help people around the world secure their financial futures and improve their quality of life.", "domain": "economics"}
+{"url": "https://www.kibworthantiquescentre.co.uk/tv-all-the-way/", "date": "2024-02-21T17:59:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473524.88/warc/CC-MAIN-20240221170215-20240221200215-00050.warc.gz", "language_score": 0.9663451910018921, "token_count": 442, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__202774045", "lang": "en", "text": "Little did we know when we first opened the doors of Kibworth Antique Centre in Kibworth, Leicestershire, back in 2012 that we would appear on national TV, and not just once, but three times!\nBeing passionate about all things antique and collectable, we’ve always been huge fans of the Antiques Road Trip programme – I’m sure many of you are too, but for those who haven’t seen it, the programme involves two celebrity antique experts and a selection of vintage cars and visits to auction rooms in some of England’s most picturesque towns and villages. The idea is that two experts compete against each with a budget of £200 to buy antiques and collectables which are then sold at auction for hopefully a profit; profits they make after each auction and costs have been deducted are used as their budget for the next leg of their journey. There are 5 legs, each leg forming one programme, and the winner is the expert who makes the most profit at the end of the final leg.\nKibworth Antiques Centre has been featured on the Antiques Road Trip three times in the last two years and we’ve been thrilled to have been visited by Charlie Ross,Thomas Plant and Mark Stacey. Being featured on the Antiques Road Trip was amazing fun and of course has obviously been a wonderful promotional opportunity for the Centre. On each occasion, in the spirit of the programme, all the items were taken to various auction houses in the hope of making a profit for the experts’ various charities.\nAs well as being featured on the Antiques Road Trip, I was invited to be on Radio Leicester’s Sunday programme ‘Clueless’.\nEarlier this year I was invited to be on Radio Leicester’s Programme “Clueless” – a long running clue-based treasure hunt around Leicestershire. The programme features Leicester born and bred Tony Wadsworth in the studio and Julie Mayer out and about in the radio car. It’s a fun programme played out every Sunday morning on Radio Leicester.\nWe could get used to this celebrity life!", "domain": "economics"}
+{"url": "https://www.jungwoojin.org/about", "date": "2023-10-01T22:48:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510941.58/warc/CC-MAIN-20231001205332-20231001235332-00539.warc.gz", "language_score": 0.9077087640762329, "token_count": 444, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__298903421", "lang": "en", "text": "Assistant Professor; Rutgers, The State University of New Jersey\nCore Faculty; Global Health Institute at Rutgers\nEditorial Board Member of the Korean Association for Public Administration\nPh.D., UC Berkeley;\nMSW, Washington University in St. Louis;\nMPP, Harvard University\nDr. Jung's primary field of study lies at the intersection of global poverty, socioeconomic development, and data science. The overarching goal of Dr. Jung's research is to impact the approaches to characterize global poverty and shape global/social transfers in resource-constrained settings. Trained as a social welfare scholar, policy analyst, and development engineer, her research is motivated by the desire to inform effective anti-poverty interventions. Dr. Jung's scholarship centers on three main areas for generating questions:\nPoverty measurement on a global scale\nThe relevance of community development in response to regional poverty\nInforming the design of social welfare policies\nAs a publicly engaging scholar, she assists key development institutions in designing social protection policies and programs. The global economic and health risks highlight the need for efficient and systematic targeting to reach the most vulnerable populations. To address this issue, her recent work in Southeast Asia and Sub-Saharan Africa aims to generate robust wealth metrics at a granular level. Her studies leverage features from new data sources, such as satellite imagery and social media, which is extracted and analyzed by artificial intelligence (AI)/ machine learning (ML) techniques at a policy-relevant spatial unit.\nDr. Jung's current projects are funded by Microsoft's AI for Humanitarian Action and received data support from Google, Twitter, and Planet Scope. She serves as PI for studies in the Republic of the Congo and Zambia. Dr. Jung works via a tripartition collaboration between governments, including the Ministry of Community Development and Social Services in Zambia, and the Institut Géographique National in Congo; international organizations, such as the World Food Programme; and non-government organizations, such as Innovations for Poverty Action. Learn more about Dr. Jung's work in the Republic of Congo and her project in Zambia.", "domain": "economics"}
+{"url": "https://www.noma.or.jp/english/tabid/261/Default.aspx", "date": "2024-04-14T17:10:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816893.19/warc/CC-MAIN-20240414161724-20240414191724-00435.warc.gz", "language_score": 0.9471665620803833, "token_count": 146, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__172773746", "lang": "en", "text": "Since its establishment in 1949, Nippon Omni-Management Association has been focused on the modernization of management and the improvement of business efficiency.\nWe have the management philosophy of \"The innovation of business and office management, the creation of social property, also the creation of new intellectual value\". We continuously contribute to the social and economic development, and our affluent society.\nWe are based on the understanding of the importance to deepen and nurture the connection between economic activity and society, in addition to the importance of “Office Management” and “Business efficiency”.\nWe continuously work to fulfill the mission to contribute for a public benefit, by developing our activities which pursue the synergy among Management, Society and Human being.", "domain": "economics"}
+{"url": "https://www.saguenaymarine.com/en/financing/", "date": "2023-02-01T14:19:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499934.48/warc/CC-MAIN-20230201112816-20230201142816-00472.warc.gz", "language_score": 0.9406092762947083, "token_count": 287, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__114596911", "lang": "en", "text": "Are you looking for reliable and affordable financing in the Saguenay-Lac-Saint-Jean region? Do you have bad credit but want to treat yourself to a boat or motorsports vehicle? Saguenay Marine in Jonquière is here to help you out.\nThanks to our vast network of financial partners, we are able to provide you with the best financing options for an ATV, a motorcycle, a snowmobile, a boat or any other of our new or used products. In addition, doing business with Saguenay Marine is much more advantageous for you than going through a bank:\n- We offer a fixed rate while a financial institution will offer a variable rate that can therefore change at any time.\n- We offer financing for used vehicles while banks refuse (especially if the vehicle is more than 10 years old).\n- We have access to manufacturers’ financing programs and advantages with the same very advantageous guarantees.\n- We offer warranty extensions (up to 6 extra years) which give you peace of mind, especially for boats and snowmobiles that have particularly capricious engines that tend to break down after a certain time. With our warranty, you won’t have to cover those big costs ($5,000 to $6,000 to replace a motor).\nIf you have any questions regarding our financing, contact us! Our specialists will answer you without problems.", "domain": "economics"}
+{"url": "https://adaric.pics/article/halal-trading-2024-guide-to-islamic-trading", "date": "2024-04-16T23:49:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817112.71/warc/CC-MAIN-20240416222403-20240417012403-00194.warc.gz", "language_score": 0.9431090950965881, "token_count": 3295, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__197619112", "lang": "en", "text": "Is online trading Halal or Haram, and is there such as thing as anIslamic trading account on the financial markets? With one-quarter of the world being Muslim and the development of online trading, the question of where intraday trading fits in with Islamic law is increasingly being asked. This guide will consider numerous viewpoints and sources in order to answer whether day trading is halal or haram. It will break down forex, stocks and binary options in particular, and try to offer guidance on how to stay halal.\n- The line between permitted and non-permitted trading activities in Islam is often blurred.\n- Trading stocks and forex can be halal if done correctly.\n- Halal brokers offer trading accounts that aim to comply with Islamic principles.\n- These include the immediate execution of trades, immediate settlement of transaction costs and zero interest rates on trades.\n- Halal trading accounts are also known as ‘swap-free accounts’.\nBest Halal Brokers\nThese are the top 3 brokers with Islamic trading accounts in Italy:\n74-89 % of retail investor accounts lose money when trading CFDs\nSee all Halal Brokers With Islamic Accounts\nIs Day Trading Halal?\nIslamic principles govern many aspects of a Muslim’s life, from social to economic matters. All of which are outlined in the Koran and by Sharia Law, which quite literally means ‘pathway to be followed.’ When it comes to day trading though, black and white lines can quickly become grey.\nOne of the biggest concerns centres around the risk sharing element. An element which is regulated through principles such as Bai’ al ‘inah (sale and buy-back agreement), Bai salam, Mudarabah (profit sharing), Bai’ muajjal (credit sale), Bai’ bithaman ajil (deferred payment sale), Murabahah and Musawamah.\nPlease note that this site is not a religious authority on the subject of Islamic day trading. If you want to be certain that your trading activities are Halal, we recommend that you consult with a religious authority that can consider your individual situation.\nThere will probably always be a divide in opinion as to whether day trading is halal or haram. It must also be noted that despite in-depth research into numerous sources, this page is not trying to offer readers religious advice. Instead, it looks to collate viewpoints and present them in an easy-to-digest format.\nWhile there certainly remains a substantial number of people who conclude Islamic day trading is halal, perhaps the best steps you can take are to choose your broker carefully and evaluate your trade decisions with the parameters of halal in mind.\nIt is generally accepted that buying stocks is not haram. This is because you are simply owning a percentage in a business. However, you do need to be sure the company in question is not dealing in a un-Islamic manner. Companies like Guinness (alcohol) and Ladbrokes (gambling), for example, would not be allowed.\nYou can break down companies form an Islamic perspective into three categories:\n- Shares from permissible practices – Shipping, manufacturing, clothing, medical equipment, real estate, tools, furniture, supplies and so on are all free from haram practices or transactions, such as cheating and borrowing on the basis of riba (unjustified lending). These companies are also known as ‘clean’ companies.\n- Shares based on prohibited practices – Any company that deals in tourism, alcohol, hotels, nightclubs, p*rnographic materials, riba-based banks, commercial insurance companies, etc, is not permissible. In these circ*mstances the stock market is haram.\n- Shares based on partly haram practices – Whilst the majority of the work may be permissible, some practices are haram. Transportation companies, for example, hold interest based-bank accounts and are often financed by riba-based loans, or individuals through stocks. These types of companies are known as ‘mixed’ companies.\nSo, what do you do if the company deals in goods and services that do not agree with Islamic law?\nYou do not invest. If you want to avoid any potential conflict the easiest decision is to avoid buying and selling shares in the stock at all. Having said that, there remains some wriggle room. In some cases, you may still be able to trade and remain halal.\nMost Scholars are in agreement that if the company only deals in a fraction of un-Islamic goods and services then you may still invest. It is suggested that you simply give away the percentage of the profits that are created by the haram section of the business. So, if 10% of the company’s profits stem from alcohol, you’d donate 10% of your profits to a charity.\nThe other major area of concern centres around interest. You shouldn’t be trading in interest, so ideally you’d exchange £25 for precisely £25. However, that may not always be feasible. As the stock price varies you inevitably end up paying more or less than face value for the debt/cash.\nFor example, if the company has just £2000 in cash and that makes up the majority of its value, and the stocks trade at £75,000 in total, you’re paying more than the face value.\nFortunately, it is relatively straightforward to stick with just halal shares. Most scholars agree you simply need to avoid companies where a considerable amount of their stock value is tied to large piles of debt/cash. Instead, opt for companies where the value is derived from their broader business.\nYou can actually find Islamic stock screeners that will identify halal stocks for you. However, such software is relatively expensive. Alternatively, most platforms allow you go get a screenshot of the company, highlighting their debt levels and market capitalisation.\nFor the most part, common sense is your greatest weapon. Avoid heavily leveraged companies that are concerned with the buying and selling of haram goods and services. So, in summary, whether stock trading is halal or haram, entirely depends on the companies you opt for and how much profit you retain.\nIs Currency Trading Halal?\nForex trading is increasingly accessible and the potential for quick money draws more traders in every day. On the surface, this looks like one of the halal investment opportunities as you’re simply buying and selling money. However, dig a little deeper and you might wonder is forex trading actually haram?\nIf you were to buy £4,000 for $2,5000 and sell it six months later when the pound appreciates against the dollar, then this is a halal transaction. But in reality there remain several issues.\nTo make substantial intraday profits from tiny price movements you need to invest large sums of money, thousands, if not hundreds of thousands of pounds. So, to alleviate this problem forex brokers offer you leverage. In effect allowing you to invest £50 or £75 for every £1 you put up. You can now take much larger positions and increase your profit.\nHowever, this is in effect a loan. In Islam, it is permissible to borrow from someone for the purposes of investing to make a profit and then return that loan interest-free to the creditor.\nHowever, with forex brokers, they are lending you the money for the sole purpose of taking a commission. Effectively they will make a return on every trade. Many scholars consider this a form of interest, making trading forex haram.\nFortunately, Islamic forex brokers have responded by providing day traders with an alternative. You can now get forex accounts which won’t charge you standard interest payments. To remain profitable they instead charge increased commissions in spot forex trades.\nWhilst some suggest this is simply a disguised interest component, many scholars are content with this new method of facilitating trades. Any ‘regular’ spot forex trading offered by brokers with no overnight charges could well clear the riba obstacle.\nHand To Hand Exchange\nWith the interest element out the way, the next issue relates to the exchange itself. Trading is permissible ‘so long as it (exchanges) is hand to hand’. This shows the prophet Mohammed obviously had in mind commodities would be exchanged between two parties, as a natural part of commerce.\nIn the past, most deals would have been done face to face, but with the evolution of e-commerce what constitutes ‘hand to hand’?\nMany argue the deal is made between the broker and trader, which would qualify under the definition of two different parties, and therefore halal.\nScholars have gone further to say the actual exchange must take place in the same ‘sitting’, when the contract is made. So, trades must be entered and exited almost immediately, which with forex traders they usually are. This could perhaps mean though that non-market trades such as stop and limit orders are in fact haram.\nAnother part of the answer to ‘is forex trading legal in Islam?’ centres around ownership. You are merely speculating whether the value of the currency will increase or decrease, so is this halal?\nThis is difficult to answer definitively and it may be something you want to seek specific religious advice on.\nMany are in agreement with several factors surrounding forex that may answer the question. Islam recognises the need for humans to want to improve their lives, including their financial situation. We all must consider implications when confronted with choices and use intelligence to respond in such situations.\nSo, whilst we know gambling is strictly haram, you can find halal forex brokers who have made every effort to keep any activities strictly within the confines of Islamic law.\nIs Trading Binary Options Halal?\nUnlike other forms of trading, binary options offer more straightforward trades than a lot of other instruments, such as stocks and forex. The option will either pay out a fixed amount of compensation if the option expires in the money, or it will pay out nothing if the option expires out of the money.\nIf the trader has little knowledge of what and how to trade, then to trade binaries would be a form of gambling, and not halal.\nOn top of that, because each contract must have a winner and loser, this is arguably not halal. For not every party can profit or extract value from the trade. So, it’s worth noting that many consider binary options fundamentally haram.\nHaving said that, there is also a growing school of thought that only the individual trader can know whether trading binaries is halal or not. If you understand the complexities of the trade then perhaps you are not gambling. So, despite numerous brokers offering ‘Islamic’ accounts, only you can truly know whether you are acting within Islamic parameters when you trade binaries.\nRead more about Halal Binary Options\nIslamic Trading Accounts\nIt is clear that halal online trading will depend partly on your actions and partly on the broker you opt for. Whatever your online Islamic investment, be it stocks, forex, or options, for a broker to claim they offer accounts based on Islamic principles, they need to meet the following criteria:\n- Immediate execution of trades – Cutting out the delay helps satisfy the rule of prompt hand to hand exchanges between two parties.\n- Immediate settlement of transaction costs – Be wary of accounts where open trades are automatically rolled over to the next trading day, as they may incur interest charges for the rollover.\n- Zero interest rates on trades – To avoid breaking rules around riba, there must be no interest. Any interest will deem the contract invalid and not halal.\nSee the list of halal brokers and Islamic trading accounts.\n- Buying and selling stocks on the same trading day on IslamWeb\n- Ruling on currency trading on IslamQA\n- Ruling on options contracts on IslamQA\nI am a financial expert with a deep understanding of Islamic finance and trading practices. My expertise is backed by years of experience in the field, thorough research, and a comprehensive knowledge of the principles outlined in the Quran and Sharia Law. I have engaged with various sources, scholars, and viewpoints to provide accurate and reliable information on the topic.\nNow, let's delve into the concepts discussed in the article:\nHalal Brokers and Islamic Trading Accounts:\n- Halal brokers offer trading accounts that comply with Islamic principles.\n- These accounts, known as 'swap-free accounts,' ensure immediate execution of trades, settlement of transaction costs, and zero interest rates.\n- Notable halal brokers include Eightcap, AvaTrade, and Pepperstone.\nIs Day Trading Halal?\n- Day trading's permissibility in Islam is debated due to concerns about risk sharing.\n- Principles such as Bai’ al ‘inah, Bai salam, Mudarabah, Bai’ muajjal, Bai’ bithaman ajil, Murabahah, and Musawamah regulate risk-sharing elements.\n- The article emphasizes consulting religious authorities for certainty on whether day trading is halal.\n- Buying stocks is generally accepted as not haram since it involves ownership in a business.\n- Investors must ensure the company engages in permissible practices, avoiding those involved in un-Islamic activities.\n- Shares from permissible practices (clean companies).\n- Shares based on prohibited practices (companies in forbidden sectors).\n- Shares based on partly haram practices (mixed companies).\n- Investors are advised not to invest in companies conflicting with Islamic law.\n- Scholars agree that if a company deals in only a fraction of un-Islamic goods, investment may still be permissible.\n- Donating the percentage of profits from the haram section to charity is suggested.\n- Trading in interest is prohibited; ideally, exchanges should be for an equal amount.\n- Avoiding companies heavily tied to debt/cash is recommended to steer clear of interest-related concerns.\nCurrency Trading (Forex):\n- Forex trading involves buying and selling currencies.\n- Leverage is a concern, as it can be viewed as a form of interest.\n- Islamic forex brokers offer alternative accounts without standard interest payments.\n- Forex brokers providing interest-free accounts charge increased commissions to remain profitable.\n- Scholars may differ on whether such commissions are a disguised interest component.\nHand To Hand Exchange:\n- Trading should be \"hand to hand,\" and the exchange must occur in the same sitting.\n- The deal is considered between the broker and trader, qualifying as two different parties.\n- Forex trading involves speculation on currency value; ownership is not transferred.\n- Scholars debate whether this qualifies as halal, emphasizing the need for individual interpretation.\nTrading Binary Options:\n- Binary options trading is considered by some as gambling and potentially not halal.\n- The individual trader's knowledge and understanding are crucial in determining if binary options trading adheres to Islamic principles.\nIslamic Trading Accounts Criteria:\n- Immediate execution of trades.\n- Immediate settlement of transaction costs.\n- Zero interest rates on trades.\nIn conclusion, whether online trading is halal or haram depends on individual actions, broker choices, and adherence to Islamic principles. Traders seeking halal options must carefully select brokers meeting the specified criteria.", "domain": "economics"}
+{"url": "https://www.balajiinsulationhouse.com/company-information.html", "date": "2023-10-05T02:43:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511717.69/warc/CC-MAIN-20231005012006-20231005042006-00399.warc.gz", "language_score": 0.9563013911247253, "token_count": 473, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__207372870", "lang": "en", "text": "We export, import, trade, and supply a comprehensive range of world class products that are used in different industries. Our products are widely accepted in domestic as well as international markets owing to their durability, longevity, and excellent performance. These are manufactured using high grade of raw materials by our vendors. Our comprehensive range of products include the following:\n- Electrical Insulation Material\n- PTFE Products, Finished PTFE Products\n- Nylon Products\n- HDPE Products\nBeing committed towards offering the best quality, we perform all tasks in consonance with international standard quality norms in mind. We offer high quality products procured from renowned vendors in the market. Moreover, our company imports and trade a wide range of products from world's well known companies. All the products offered by us are subject to close inspection by our in-house quality experts. To ensure complete customer satisfaction, we have appointed a team of quality inspectors that inspect all imported and traded products.\nWe have a capacious warehousing facility to store the range of electrical insulation materials of nylon, PTFE, HDPE, etc. The facility is managed by experience warehousing personnel with complete knowledge of handling such type of products. The warehouse has all the safety mechanism in place to ward of any untoward incidents such as fire. As the products are susceptible to fire and inflammatory in nature, we take complete care and keep fire extinguishers to douse the fire in case of any eventuality. Therefore, we give the assurance of customers that we always maintain a large stock of the products to meet their urgent or bulk requirements. Why Us?This is a matter of pride for us that our company has successfully won the trust and confidence of worldwide customers over the years. Today, we are a preferred choice of all quality-conscious customers and receive repeated orders from them. In order to satisfy the customers, we first understand their specific requirements and offer them products accordingly. Following are some of the factors that always distinguish us in this highly competitive market:\n- Ethical business policies\n- Reliable vendor base\n- Quality monitoring unit\n- Wide distribution network\n- Timely delivery of consignment\n- Professionally managed and well equipped infrastructure\n- Teams of highly qualified and experienced professionals\n- Teams of experienced quality analysts and quality inspectors.", "domain": "economics"}
+{"url": "https://grovenotes.floridaorange.com/2012/11/09/florida-citrus-quantity-guide-takes-guesswork-out-of-gift-giving/", "date": "2019-06-27T02:52:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560628000610.35/warc/CC-MAIN-20190627015143-20190627041143-00407.warc.gz", "language_score": 0.9406979084014893, "token_count": 284, "dump": "CC-MAIN-2019-26", "global_id": "webtext-fineweb__CC-MAIN-2019-26__0__65317051", "lang": "en", "text": "When giving gifts of luscious Florida citrus fruit (or ordering for themselves), many of our customers find the most difficult part of the ordering process to be figuring out how much to give. Many of our corporate clients face the same dilemma. Somewhere between “too little” and “too much” is the perfect “right amount,” but how do you find it?\nAt Florida Orange, we’ve tried to take the guesswork out of the gift giving equation by noting for each of the Florida citrus items in our product listings:\n- The amount of citrus fruit that will be shipped in pounds, and\n- The approximate number of individual pieces of fruit that will be shipped.\nWe ship our fresh-picked Florida oranges, grapefruit and tangerines by weight to ensure that each customer receives equal value for his payment. But we understand that most people have no idea how many oranges are in a pound, so we also tell you approximately how many oranges (or other fruit) you’ll receive if you order 10 pounds (about 11 to 15 oranges) or 30 pounds (about 33 to 45 oranges) of fruit.\nIf you’re trying to decide how much Florida citrus fruit to purchase for personal or corporate gift-giving or your own consumption, you’ll find a handy Florida citrus quantity guide under the Customer Care tab on our webpage.", "domain": "economics"}
+{"url": "https://www.gomasketeers.com/about", "date": "2024-04-22T00:16:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818067.32/warc/CC-MAIN-20240421225303-20240422015303-00292.warc.gz", "language_score": 0.9572609663009644, "token_count": 149, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__76697532", "lang": "en", "text": "The only KN95 mask manufacturer in Arkansas.\nAt The Masketeers, LLC, we put our community first. The Covid-19 pandemic cast light on the fact that the majority of the US's PPE is produced outside of the country. We set out to bring a small portion of that manufacturing back stateside in order to better protect our community, essential workers, and medical professionals as well as create high paying manufacturing jobs.\nThe Masketeers, LLC specializes in direct to consumer orders as well as bulk purchases by schools, non-profits, and governments. We offer a variety of color, sizing, and packaging options for larger orders. Feel free to reach out with any questions regarding our products.", "domain": "economics"}
+{"url": "https://foyoface.com/pages/shipping", "date": "2023-06-06T14:07:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224652569.73/warc/CC-MAIN-20230606114156-20230606144156-00041.warc.gz", "language_score": 0.9224482774734497, "token_count": 367, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__245397885", "lang": "en", "text": "Shipping & Handling Charges are as follows:\n$5.95 flat fee for domestic, all states within the USA,\nFor all international countries, shipping cost is calculated by the USPS. Price will vary depending on weight and final destination of package.\nOrders can be tracked at: https://www.usps.com/shipping/trackandconfirm.htm\nThe processing time for orders is 2-3 business days. After that, delivery time within the United States is 1-3 days, and 10-15 business days internationally. Please keep in mind that during holidays or limited edition launches, this time may vary. Thank you for your patience.\nWe are not responsible for any shipping deliveries that may be affected by customs, natural occurrences, transfers from USPS to the local carrier in your country or air and ground transportation strikes or delays, nor any extra fees, customs or back end charges once the package has exited the United States.\nPackages undeliverable by USPS and/or their international shipping partners will be cancelled and refunded once received and processed at our shipping hub.\nAll packages are shipped via USPS. Items shipped outside of the United States may be subject to import duties, taxes and/or charges which are not included in the total cost of your order, nor will they be covered or reimbursed by Foyo Face.\nPlease check with your country’s customs office to determine what these additional costs will be prior to placing your order.\nWe accept MasterCard, Visa, American Express, Discover, Apple Pay, Google Pay and Paypal. We do not accept returns, exchanges or refunds. All sales are final.\nCAN I CHANGE OR CANCEL MY ORDER?\nNo. All sales are final.", "domain": "economics"}
+{"url": "https://cashmerecompany.co.nz/blogs/the-journal/true-cost-quality-vs-quantity-and-cost-per-wear", "date": "2019-05-26T19:12:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232259452.84/warc/CC-MAIN-20190526185417-20190526211417-00086.warc.gz", "language_score": 0.9726646542549133, "token_count": 532, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__24683724", "lang": "en", "text": "True cost; Quality vs Quantity and Cost-per-wear\nPosted on January 25 2018\nQuality vs Quantity and Cost-per-wear\nOur store motto is quality over quantity\nWe much prefer to have a wardrobe full of quality, long lasting items that we love rather than stuffed with items we don't really like but bought because it was cheap. Because, if you don't really like an item, will you wear it? And if you don't wear it, was it really cheap or did you waste your money?\nBuy quality and cry once, buy cheap and cry forever.\nIf you want to know how much an item will really be worth in your wardrobe you need to calculate the cost per wear of the garment. The true cost of an item of clothing will hinge on how often you wear it.\nCost-per-wear is the price of the item divided by the number of times it will be worn.\nLogically, the worst value items have the highest cost per wear and a lower cost per wear makes a garment worth investing in, making it a highly valued purchase.\nUsing this concept can help you choose what to buy, what is worth investing in and how much value you are really getting from your purchase.\nLet put this into cashmere terms...\nIf you invest $399 into a high quality classic cardigan, but plan to wear this item everyday throughout the colder half of the year, and carry it in your bag at all times.\n- Cost per wear = $399/183 days (half the year) = $2.18\n- Your cost per wear to use the highest quality, gorgeous item is only $2.18 - thats less than a cup of coffee!\n- If you compare it to some dispensable purchase from H&M that you hardly wear - say a $100 tunic jumper that you only wear once every 6 months\n- Cost per wear = $100/2 = $50\n- All of a sudden that cashmere jumper is starting to look like a pretty sweet deal.\nIt might turn out that the $399 jumper that you will wear for half the year is a better buy than the H&M $100 tunic jumper you can only wear twice.\nAs you can see, the value of your investment in a piece is in direct correlation to the quality and timelessness of said piece.\nOur attitude towards buying our clothes is not about “cheap” vs “expensive” its about what item (cheap or expensive) you will get the most wear from, and makes you feel good while wearing it.", "domain": "economics"}
+{"url": "https://etrade2.futuresnewstoday.com/OptionsOnFutures", "date": "2021-12-09T10:25:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363791.16/warc/CC-MAIN-20211209091917-20211209121917-00326.warc.gz", "language_score": 0.9140684604644775, "token_count": 1182, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__14941570", "lang": "en", "text": "PLEASE READ THE IMPORTANT DISCLOSURES BELOW.\nImportant Note: Futures and options transactions are intended for sophisticated investors and are complex, carry a high degree of risk, and are not suitable for all investors.\nFor more information, please read the Characteristics and Risks of Standardized Options and the Risk Disclosure Statement for Futures and Options prior to applying for an account.\nYou can also view the E*TRADE Futures LLC Financial Information and Disclosure Documents.\nE*TRADE credits and offers may be subject to U.S. withholding taxes and reporting at retail value. Taxes related to these offers are the customer's responsibility.\nFutures trading in IRAs available in eligible Traditional, Rollover, and Roth IRAs only, subject to certain accountholder eligibility requirements and minimum account qualifications. Not all futures products are available for trading in all account types. Each futures trade is $1.50 (per side, per contract, plus exchange fees), excluding bitcoin futures trades, which are $2.50 (per side, per contract, plus exchange fees). In addition to the per contract per side commission, futures customers will be assessed certain fees, including applicable futures exchange and NFA fees, as well as floor brokerage charges for execution of non-electronically traded futures and futures options contracts. These fees are not established by E*TRADE Futures LLC and will vary by exchange.\nAccess the futures markets through the E*TRADE platform nearly 24 hours a day, six days a week (Sunday 5 p.m. CT to Friday 4 p.m. CT). For more information on futures contract trade specifications, including, tick size, tick value, margin requirements, and trading hours, visit etrade.com/futures.\nTransactions in futures carry a high degree of risk. The amount of initial margin is small relative to the underlying notional value of a futures contract. A relatively small market movement will have a proportionately larger impact on the funds you have deposited or will have to deposit, which may work against you as well as for you. You may sustain a total loss of initial margin funds and any additional funds deposited with E*TRADE Futures LLC (collectively with its affiliates “E*TRADE”) to maintain your position. If the market moves against your positions or margin levels are increased, you may be called upon by E*TRADE to pay substantial additional funds on short notice to maintain your position. If you fail to comply with a request for additional funds immediately, regardless of the requested due date, your position may be liquidated at a loss by E*TRADE and you will be liable for any resulting deficit.\nSubject to certain qualifications and eligibility requirements. With respect to futures trading in self-directed individual retirement accounts (“IRAs”), you should understand that trading futures contracts is speculative in nature and subject to risks that may be greater than those of other investment vehicles in which retirement funds may be invested. You must determine whether trading futures contracts in your IRA is advisable based on your specific financial circumstances, your risk tolerance, the number of years until your retirement, and other factors. You should consult a professional advisor to determine if futures trading, even on a limited basis, in your IRA is consistent with your financial goals.\nDISCLAIMER: The information in the market commentaries have been obtained from sources believed to be reliable, but we do not guarantee its accuracy and expressly disclaim all liability. Neither the information nor any opinions expressed therein constitutes a solicitation of the purchase or sale of any futures or options contracts. The information on this site compiled by CME Group is for general purposes only. All information and data herein is provided as-is. CME Group assumes no responsibility for any errors or omissions. CME Group, its affiliates and any third party information and content providers expressly disclaim all liability with respect to the information and data contained herein including without limitation, any liability with respect to the accuracy or completeness of any data. You use the data herein solely at your own risk. All data and information provided herein is not intended for trading purposes or for trading advice.\nCME Group is the trademark of CME Group Inc. The Globe Logo, Chicago Mercantile Exchange Inc., Globex and CME are trademarks of Chicago Mercantile Exchange Inc. CBOT is the trademark of the Board of Trade of the City of Chicago, Inc. NYMEX is the trademark of the New York Mercantile Exchange, Inc. COMEX is a trademark of Commodity Exchange, Inc. All other marks are held by their respective owners.\nCopyright © 2021 CME Group. All rights reserved.\nSecurities products and services offered by E*TRADE Securities LLC, Member FINRA/SIPC. Investment advisory services are offered through E*TRADE Capital Management, LLC, a Registered Investment Adviser. Commodity futures and options on futures products and services offered by E*TRADE Futures LLC, Member NFA. Banking products and services are offered by E*TRADE Bank, a federal savings bank, Member FDIC, or its subsidiaries. E*TRADE Securities LLC, E*TRADE Capital Management LLC, E*TRADE Futures LLC, and E*TRADE Bank are separate but affiliated companies.\nSystem response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other factors.\nStatement of Financial Condition |\nAbout Asset Protection |\nCustomer Account Agreements |\nQuarterly 606 Report |\nBusiness Continuity Plan\n© 2021 E*TRADE Financial Corporation. All rights reserved. E*TRADE Copyright Policy", "domain": "economics"}
+{"url": "https://chadmark.blog/food-project/", "date": "2023-09-28T08:52:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510368.33/warc/CC-MAIN-20230928063033-20230928093033-00733.warc.gz", "language_score": 0.9528217315673828, "token_count": 141, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__89292037", "lang": "en", "text": "At present we are running a weekly surplus food market in partnership with our friends at Wolves Waste NOT – A Real Junk Food Project. The Real Junk Food Project that started in Leeds in 2017 has as its slogan ‘Feed Bellies Not Bins’. It says:\nThe Real Junk Food Project was established in August 2017. We intercept edible food destined for waste from supermarkets, restaurants and shops, and make it available for human consumption through our network of local, community cafes and food markets. Everything we do is always Pay As You Feel. We operate on a bottom-up philosophy, where local cafes and food markets are run by representatives of their community.\nMarket Volunteer Team ready to welcome you", "domain": "economics"}
+{"url": "https://www.epages.cloud/selling-eshops/", "date": "2017-08-21T04:35:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-34/segments/1502886107490.42/warc/CC-MAIN-20170821041654-20170821061654-00488.warc.gz", "language_score": 0.9355124831199646, "token_count": 858, "dump": "CC-MAIN-2017-34", "global_id": "webtext-fineweb__CC-MAIN-2017-34__0__263203744", "lang": "en", "text": "Expertise in online shops for SMBs\nSMBs have trusted in our online shop solutions for more than 20 years. Find out more about our white labelled products and learn the advantages of selling eShops to your customers.\nAdvantages from selling eShops\nStrong demand for ecommerce\nOnline retail sales are expected to develop to $480bn a year by 2019. The SMB market alone will exceed $100bn in total sales in 2015.\nReseller services help you to smoothly implement, maintain, market and support eShops in your portfolio. Find out more about our services.\nSolutions for every need\nMake it easy for your customers to adopt ecommerce with a plug-in solution and with their growing success, guide them onto a dedicated eShop package.\nHealthy profit margins\nMeet the growing market demand for SaaS ecommerce and profit from a subscription model with high ARPU customers.\nWhite labelled eShop solution\nExtend your portfolio to offer a powerful all-in-one shop solution. Our completely brandable eShop fits seamlessly into your product range.\nGrow with your customers\nOffering eShops to your customer base is an established way to extend your average customer lifetime.\nGet our white paper to receive further information on how to grow your business with eShops.\nOnline shops for SMBs: How to meet merchants’ needs\nThe ecommerce solutions of ePages are designed to directly address the challenges and technical needs of small to medium-sized businesses of all types and size.\nLet your customers profit from the following advantages on the road to successful ecommerce:\n- Get started quickly with a simple to use and scalable DIY online store\n- Transparent costs with an all-in-one package and fully managed updates\n- Feature rich ecommerce across marketing, payments and logistics\n- Unbeatable value for money\nWith ePages you can be sure to offer an all-in-one online shop solution in your portfolio that meets the needs of SMBs at different stages of development.\neShops that suit your customer base\nPlugin – ideal for the first entry into ecommerce\nMany customers who are already running a website successfully could profit from taking a step into ecommerce. With a plug-in solution, a small set of ecommerce features can be added to a website quickly making this an ideal way to test if online sales are feasible.\nFirst experience in selling products online can be gained without setting up a full-scale online shop.\nePages Base – the perfect fit for SMBs\nIf a merchant wishes to market their products online and grow a business further, the powerful ecommerce solution from ePages is the perfect fit. With our all-in-one shop solution, a merchant can build and manage their shop themselves and be sure that it benefits from all updates automatically. With an extensive feature set, many third-party integrations and the ePages App & Theme Store, the retailer can customize their shop to a high degree.\nThe ePages white paper: Boost your business with eShops\nOur white paper will show you how offering eShops can boost your business. You will gain insights and key statistics surrounding the SMB market, the customer lifetime value of your ecommerce clients and the benefits of a Software as a Service solution. Just insert your details below to receive the ePages white paper.\nDiscover our eShop features\nWith the all-in-one shop solution from ePages you can offer customers a feature-rich complete package that provides everything they need to become successful in ecommerce. Take a tour through our features to learn about setting up and designing a shop, tools for analyzing consumer behaviour, and how to market products online.\nTake a look at our shop gallery to see a sample of the many successful ePages merchants.ePages features\nMore shop solutions\nLearn even more about the broad range of shop solutions we are offering. Simply get in touch with our sales team and they will be happy to give you more information about the Flex, Enterprise or Multistore solutions.\nLet us know how we can help you offer an ecommerce solution that exactly fits your customer needs.", "domain": "economics"}
+{"url": "https://86ers.net/blogs/news/mens-long-sleeve", "date": "2022-09-30T16:53:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030335491.4/warc/CC-MAIN-20220930145518-20220930175518-00383.warc.gz", "language_score": 0.9481057524681091, "token_count": 1080, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__190217582", "lang": "en", "text": "One of the questions we get most often here at Real Thread is:How much should I charge for my t-shirts at retail?\n- It’s a tougher question than you might think, and there’s a ton of strategy that comes into play when considering what price point to sell your product at. So, we’ve collected some tricks of the trade to give you a launching point on how to price your custom t-shirts for retail.\nResearch the market\nTaking a look at the current market is also an excellent way of determining what your retail cost should be. Taking a look at a competing t-shirt line to see how they price their shirts is a great jumping off point.\nThis isn’t to say you should just price your t-shirts at the same price, or just $1 less than your competitors, but it’s important to think about what other people are charging for their product when you’re trying to convey to your customers that they should choose you.\nA t-shirt pricing calculator\nOnce you have your t-shirt cost down, you can use it to calculate a price determined by your desired percentage of profit. An article from Entrepreneur states that most retailers shoot for a profit margin of about 50%.\nUsing the 50% margin, all you would have to do is multiply your cost to produce by 2, and you’d have your retail price. But if aiming for any other profit margin percentage, you’ll use this formula:\nRetail Price = [(cost to produce) ÷ (100-profit %)] x 100\nSo let’s say you want to set your profit margin at 60%, and your shirt costs $10.00 to produce. In that example, your formula will look like this:\nRetail Price = [(10.00) ÷ (100–60)] x 100\nRetail Price = [10.00 ÷ 40] x 100\nRetail Price = 0.25 x 100\nRetail Price = $25\nSimple enough, right? Now that we’ve got the mathematical part of pricing down, let’s get into some psychology.\nPrice for people, not for numbers\nThis next fact may be one of the most important and least considered factors when people are pricing their product. That fact is: People do not always act rationally.\nIf people acted rationally all of the time, pricing a product would be incredibly formulaic. You could plug your costs into an equation, get a price that most people would agree upon, and start selling. But people are emotional, and whether you think it or not, the price of your product is going to trigger an emotional response in your customers.\nGreat pricing will consist of considering human behavior and human emotion to find a sweet spot that will persuade people to choose your t-shirts. With that in mind, here are three quick pricing tactics that will help you optimize your price for emotion over logic:\n- 1) End your price with a non-round number, rather than a zero or a five. Reason being: when humans are scanning information to make a decision, they get lazy. So, even though the difference between $30 and $29 is only $1, it feels like a lot more. And we’ll make decisions based on that feeling.\n2) Bundle products together, and give a price break. Rather than stick to selling all of your products individually, think about creating a bundle package as well. Say you’re selling three different shirts for $20 each. Consider offering an option to buy the shirts together for $55 total.\nUgmonk gives a great example of bundle pricing in the photo above. They sell a set of 4 t-shirts for $100 (or $25 each), as opposed to their normal pricing of $28 each. Centering the bundle around one theme or idea like they do gives this bundle some bonus points too!\nMany words have been written on how product bundling increases revenue, so we’ll spare you the reading and give you the short version: when applied right, it works. You’ll sell more t-shirts with less effort, and your customers save money. Win, win.\nKey to bundling though: make sure you offer an option to buy each product individually as well. Some customers may just want the one item, and that’s fine. Plus, offering individually lets the customer see the deal they get by buying a bundled package.\n3) Use Anchor Pricing. This means displaying the original price, then showing what you’re actually charging for it. One brand that does a great job of this Huckberry, an online menswear marketplace. Through partnerships with brands, they’re able to offer exclusive offers for their customers.\nIn the image below, you can see that traditional retail for the S/S Breton Shirt is $55.00. However, at Huckberry, you can get it for $44.98. This lets you know that you’re getting a deal that you won’t get elsewhere. (Notice that their price is also a non-round number!)", "domain": "economics"}
+{"url": "https://cyberchimp.in/E-Commerce", "date": "2022-08-09T09:50:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570921.9/warc/CC-MAIN-20220809094531-20220809124531-00157.warc.gz", "language_score": 0.9589256644248962, "token_count": 239, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__207123111", "lang": "en", "text": "E-commerce (electronic commerce) is the buying and selling of goods and services, or the transmitting of funds or data, over an electronic network, primarily the internet. These business transactions occur either as business-to-business (B2B), business-to-consumer (B2C), consumer-to-consumer or consumer-to-business. The terms e-commerce and e-business are often used interchangeably. The term e-tail is also sometimes used in reference to the transactional processes for online shopping.\nBusiness-to-business (B2B) e-commerce refers to the electronic exchange of products, services or information between businesses rather than between businesses and consumers. Examples include online directories and product and supply exchange websites that allow businesses to search for products, services and information and to initiate transactions through e-procurement interfaces.\nBusiness-to-consumer (B2C) is the retail part of e-commerce on the internet. It is when businesses sell products, services or information directly to consumers. The term was popular during the dot-com boom of the late 1990s, when online retailers and sellers of goods were a novelty.", "domain": "economics"}
+{"url": "https://signetbank.com/en/news/as-mogo-successfully-issues-bonds-in-the-amount-of-eur-30-million-with-signet-bank-acting-as-the-arranger-of-the-issue/", "date": "2023-12-10T16:05:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679102612.80/warc/CC-MAIN-20231210155147-20231210185147-00001.warc.gz", "language_score": 0.9284737706184387, "token_count": 702, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__37465572", "lang": "en", "text": "Exactly, this is not an ordinary bank. Understanding the customer’s needs and experiences is one of our core operating principles. We do not apply a standard approach for achieving customer goals, each solution is found by thoroughly analysing each situation individually and following the global trends in the industry.\nSignet Bank AS\nAntonijas street 3,\nRiga, LV 1010, Latvia\nPhone: +371 67 080 000\nFax: +371 67 080 001\nE-mail: [email protected]\nMonday to Friday\n9:00 a.m. – 17:30 p.m\nOn March 1, 2021, AS “mogo” issued bonds in the amount of EUR 30 million with Signet Bank acting as the arranger of the issue, thus, successfully completing the largest bond issue in recent years by a private company on Nasdaq Riga Stock Exchange.\nWith an annual coupon rate of 11%, 3-year maturity and minimum subscription amount of EUR 1’000, the bonds were offered to existing Mogo bondholders and other retail and institutional investors from the Baltic region. The public offering consisted of two parts – subscription by new investors and exchange offer to existing bondholders.\nBond issue was comfortably oversubscribed with more than 840 investors participating in the offering.\nNominal amount (% of issue size)\nNumber of investors\nWe received remarkable interest and demand from investors from all three Baltic countries, reaffirming investors’ belief in the sustainability of Mogo business model. We highly appreciate the trust of our loyal existing investors who participated in the exchange offer and welcome on board 662 new investors who have joined our investors` community. We feel great responsibility towards our wide international investor community and will continue our work on implementing our business strategy and maintaining high standards for operational transparency.”\nMaris Kreics, CFO of Mogo Finance Group\nMore than 70% of existing investors decided to continue their investments in Mogo, serving as an excellent proof of investors’ satisfaction with the company’s performance and investment experience. The success of Mogo bond offering highlights the strengthening Baltic retail investor base and potential of Baltic public bond offerings in the region.”\nEdmunds Antufjevs, Head of Corporate Finance at Signet Bank\nIt is great to see Mogo successfully achieving its fundraising target using capital markets services provided by Nasdaq Baltic. Mogo offering was the largest public offering by a private company during the last four years in Latvia.”\nDaiga Auziņa-Melalksne, the Head of Nasdaq Baltic Exchanges\nAS “mogo” is an experienced capital market participant and has been represented on the Baltic Regulated market since 2014. New bonds are planned to be included in the Regulated market – the Baltic Bond List of “Nasdaq Riga” stock exchange by March 31 at latest. Signet Bank acted as the lead manager for the bonds` issuance.\nThe bank was founded in 1992 as Latvijas Biznesa banka. Since 2013, it has focused its strategy on servicing entrepreneurs and their businesses, with an emphasis on high-quality capital maintenance and structured investment projects. Signet Bank’s majority shareholders are a group of Latvian and international investors, which includes SIA Hansalink, SIA Fin.lv, and Signet Acquisition III.", "domain": "economics"}
+{"url": "https://roowyda.com/general/ticking-time-bomb-real-estate-portfolio/", "date": "2021-01-21T16:56:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703527224.75/warc/CC-MAIN-20210121163356-20210121193356-00334.warc.gz", "language_score": 0.9668523669242859, "token_count": 616, "dump": "CC-MAIN-2021-04", "global_id": "webtext-fineweb__CC-MAIN-2021-04__0__174785779", "lang": "en", "text": "It started with a heartbreaking news headline just before Christmas. A young Fort McMurray family was pushed into bankruptcy. The culprit was their beloved condo, or more specifically, a massive spike in their condo building insurance costs.\nThere was much discussion in the Mortgage Broker Community. Was the location of the condo building to blame? A delayed outcome of the Fort McMurray wildfires from 2016? A colleague knew the couple in the news story personally, and could verify there wasn’t anything unreported in their financial situation. They were literally being pushed into bankruptcy due to the soaring costs of insuring their strata building.\nFast forward to the New Year and a story closer to home hit the headlines. Condo owners in Langley were reeling. Their premiums had just jumped from $97,000 to $371,000 and their strata insurance deductible spiked from $5,000 to $250,000. Clearly no wildfire risk in Langley, and the building is under five years old.\nThe most recent condo insurance spike headline concerns a building in Abbotsford that is only a year old. A building so new it doesn’t even show up on Google’s street view. In 2019 the building paid a $66,000 premium. Last month, the strata council got its bill for 2020: A massive 780% increase to a premium of $588,000. Again, no wildfire risk and certainly no flood risk.\nTom Watson, Vice President of Guardsman Insurance Services in Ottawa, sheds some light on what is going on. “I used to be able to put them (condo buildings) with 9 different insurers easily. 12 if I was lucky. Now it’s hope the existing carrier offers a renewal so you can avoid going to the Lloyds marketplace.” What’s the Lloyds Marketplace? “It’s a market, literally in London England, where underwriters arrange insurance for things that are generally hard/impossible to insure.” Tom goes on to say “When they price a product like that they really don’t want to write it but will if you give them enough money. Crazy premiums are the insurer way of saying, “If you insist but……please don’t.””\nSo what should a condo owner do? Now is a good time to really evaluate one’s financial situation. What a lot of people don’t realize is that they may be able to qualify to own a house with a suite. Once the condo fees are removed, and suite rental income added in, a house can be within reach.\nDifferent Lenders treat suite rental income differently. Some Lenders are aggressive with how much suite rental income can be added into a Buyer’s income. The key is to work with an experienced Mortgage Broker who has access to a wide range of potential Lenders. Possibly house ownership is in your future and scary potential condo insurance spikes in your past.", "domain": "economics"}
+{"url": "http://www.schoolconnect.co.nz/institutions/chartered-accountants-australia-and-new-zealand/our-stories/darren-chan-ca", "date": "2019-02-19T11:39:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247489933.47/warc/CC-MAIN-20190219101953-20190219123953-00151.warc.gz", "language_score": 0.969204843044281, "token_count": 635, "dump": "CC-MAIN-2019-09", "global_id": "webtext-fineweb__CC-MAIN-2019-09__0__31892434", "lang": "en", "text": "Darren Chan CA\nFinancial controller for CSL Limited in Hong Kong\nCorporate Finance Manager at Jardine Matheson in Hong Kong\nWhat is your current role?\nI’m the Corporate Finance Manager at Jardine Matheson in Hong Kong here in Hong Kong. Part of it is looking after the financial side of the business, and the other part is really commercial, being a business partner to the business head and helping them make the best commercial and financial decisions to run the business well and reach company targets.\nHow did you get to where you are today?\nAfter completing four years in Melbourne with Deloitte, and completing the Chartered Accountants Program, I came to Hong Kong. I didn’t have a job lined up. I just showed up and thought I’d test my luck. I got my first role with the Walt Disney Company as a financial analyst, and in the three years I spent with them, I learnt a lot about the commercial aspects of finance and how that works with the business, especially things to do with messaging and how to manage different stakeholders.\nAfter that, I worked in more of an entrepreneurial environment with Integrated Hospitality Management and that really got me on my feet, having to use all the skills that I’d learnt to date and apply them to the role. Then, after a couple of years in the entrepreneurial environment, I landed the Financial Controller role with CSL, and now I am at Jardine Matheson.\nHow has being a CA helped/changed your life?\nI think being a Chartered Accountant definitely helped me to get where I am today by enabling me to have an open mind, and enabling me with many tools, on both the soft side and the technical side, to be able to take on all the challenges that I face day to day.\nOne of my career highlights has definitely been moving overseas. Before you actually move over, you don’t really know what to expect until you actually get there and experience it, but I think having that Chartered Accountant background has definitely given me the confidence to be able to take on whatever is to come.\nWhat is it like living in HK?\nLiving in Hong Kong, working in Hong Kong, it really is a twenty-four hour lifestyle. As soon as I got here, I was blown away by the pace and the speed and the urgency of everything. Sometimes you really feel like there’s no time to breathe. You really just got to keep pushing yourself and trusting yourself, being confident of what you’ve learnt, and go from there.\nI think keeping an open mind is very important, also soaking in everything you see and everything you learn, because all the knowledge that you gain is like an investment. It’ll come back and help you out one day. Also, don’t be afraid to be uncomfortable. I think that’s where you’ll really get the most out of yourself and develop.\nCheck out what Darren has been up to since he completed his CA below.", "domain": "economics"}
+{"url": "https://traveladvo.com/can-you-use-credit-cards-in-mexico-a-travel-guide/", "date": "2023-12-05T07:40:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100550.40/warc/CC-MAIN-20231205073336-20231205103336-00171.warc.gz", "language_score": 0.9313841462135315, "token_count": 1826, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__235508513", "lang": "en", "text": "Do you have this question in your mind when planning a tour to Mexico? “Can You Use Credit Cards in Mexico” This article will help you to clear it.\nMexico, with its vibrant culture, stunning landscapes, and rich history, attracts millions of tourists from around the world every year.\nWhether you’re planning a beach vacation on the Yucatan Peninsula, exploring ancient ruins in the heart of Mexico City, or immersing yourself in the local flavors of Oaxaca, it’s essential to be informed about financial matters, such as credit card usage, before embarking on your journey.\nIn this article, we’ll provide a comprehensive overview of using credit cards in Mexico, covering everything from their acceptance, potential fees, safety considerations, and tips for a smooth financial experience during your Mexican adventure.\nCan You Use Credit Cards in Mexico?\nAcceptance of Credit Cards in Mexico\nThe good news for travelers is that credit cards are generally widely accepted in urban and tourist areas across Mexico. Major cities, resort destinations, and popular tourist spots typically have numerous establishments that welcome credit card payments. Large hotels, restaurants, retail stores, and tourist attractions often have point-of-sale (POS) terminals to process card payments.\nInternational credit card networks like Visa, Mastercard, American Express, and others are commonly accepted in Mexico.\nHowever, it’s essential to inform your credit card issuer about your travel plans, including the dates and destinations in Mexico. This preemptive action will prevent any security blocks or holds on your card when you attempt to use it in a foreign country, which could otherwise cause frustration during your trip.\nDespite the widespread acceptance of credit cards, it’s also a good idea to carry some cash, especially in smaller towns or remote areas. There might be instances where small businesses, local markets, or public transportation only accept cash payments. Having a mix of payment methods ensures you’ll be prepared for any situation.\nTravel-Friendly Credit Card Options in Mexico\nTo make your Mexican escapade even more enjoyable, having a travel-friendly credit card can be a savvy move. Not only does it offer convenience and security, but it also saves you from the hassles of carrying wads of cash.\nOne of the top choices for international travelers is the Global Explorer Card, tailored for those with a wanderlust soul. Boasting no foreign transaction fees and enticing travel rewards, it lets you earn points for every dollar spent, which can be redeemed for flights, hotel stays, or even local experiences. Plus, its EMV chip technology ensures smooth transactions throughout Mexico.\nFor those who value flexibility, the Wanderlust Flex Credit Card comes to the rescue. With its “Pay-Your-Way” feature, you can decide to pay off your balance in installments or in full, granting you greater control over your finances during your Mexican sojourn.\nAdditionally, this card collaborates with major airlines, allowing you to earn miles and relish discounted fares.\nIf security is your prime concern, then the Sentinel Shield Card might be your ideal pick. This card offers an embedded contactless payment feature combined with biometric authentication, rendering it virtually theft-proof.\nFeel at ease as you explore bustling markets and relish local delicacies without fretting about potential fraudulent activities.\nPotential Fees and Currency Exchange\nBefore using your credit card in Mexico, familiarize yourself with your card’s foreign transaction fees. These fees are typically charged by credit card issuers for converting the Mexican Peso (MXN) to your home currency.\nForeign transaction fees can range from 1% to 3% of the total transaction amount, so it’s wise to compare the fees among different credit cards and choose the one with the lowest or no foreign transaction fee.\nWhen you use your credit card for purchases in Mexico, you might encounter a practice known as Dynamic Currency Conversion (DCC). This option is offered by some merchants and allows you to pay in your home currency instead of Mexican Pesos.\nWhile it may seem convenient, be cautious as DCC often comes with high conversion fees and unfavorable exchange rates. Opting to pay in Mexican Pesos (MXN) whenever possible can save you money in the long run.\nAdditionally, when using an ATM to withdraw cash with your credit card, you may be subject to cash advance fees and higher interest rates compared to regular purchases. It’s best to use credit cards primarily for purchases, not as a source of cash.\nAs with any international travel, security should be a priority when using credit cards in Mexico. Here are some safety considerations to keep in mind:\n1. Keep Your Card Secure: Keep your credit card in a safe place, such as a money belt, hidden pouch, or a secure wallet. Avoid leaving it unattended, and never share your card information with strangers.\n2. Use ATMs Wisely: When withdrawing cash from ATMs, choose machines located in well-lit and busy areas. Skimming devices can sometimes be installed on ATMs, so inspect the machine for any signs of tampering before use.\n3. Beware of Card Fraud: Just like anywhere else, credit card fraud can happen in Mexico. Stay vigilant and regularly monitor your card activity online or through your card issuer’s mobile app. Report any suspicious transactions immediately.\n4. Carry Emergency Contacts: Have the contact information for your credit card issuer’s customer service or the international hotline in case your card is lost or stolen.\n5. Use Secure Internet Connections: When making online purchases or accessing your credit card accounts through public Wi-Fi, use a virtual private network (VPN) to protect your data from potential hackers.\nTips for a Smooth Financial Experience in Mexico\nHere are some tips to ensure a smooth financial experience while using credit cards in Mexico:\n1. Notify Your Bank: Inform your bank or credit card issuer about your travel plans, including the dates and destinations in Mexico. This helps avoid any potential card holds or security blocks.\n2. Carry Multiple Cards: Carry at least two different credit cards from different issuers. If one card has issues or is declined, you’ll have a backup.\n3. Carry Cash: Have some cash on hand for small purchases or places that do not accept credit cards.\n4. Know Your PIN: Many credit card transactions in Mexico require a PIN. Ensure you know your card’s PIN, and if you don’t have one, contact your issuer to set it up.\n5. Save Receipts: Keep your credit card receipts in a safe place, as they may be useful for tracking expenses or resolving disputes.\nBanking Services in Mexico\nMexico’s banking landscape has undergone significant transformations over the years, laying the foundation for a robust and inclusive financial system.\nWith a mix of traditional banking institutions and a surge in digital innovation, the country offers a wide array of banking services to cater to the diverse needs of its population.\nTraditional banking remains a prominent aspect of Mexico’s financial ecosystem, with established banks providing a range of services such as savings accounts, credit cards, and personal loans.\nThese institutions continue to serve as pillars of stability and trust for millions of Mexicans, fostering economic growth and stability.\nIn recent years, Mexico has experienced a fintech revolution, with a flourishing ecosystem of digital banks and innovative financial solutions. The rise of mobile banking and online payment platforms has brought convenience and accessibility to the fingertips of consumers, particularly in rural areas where traditional banking services were scarce.\nFurthermore, Mexico’s banking services have also witnessed greater inclusivity, aiming to bridge the financial gap among underserved communities.\nMicrofinance institutions have emerged, offering tailored financial products to small businesses and low-income individuals, fostering entrepreneurship and economic development.\nIn the quest for financial inclusion, the government of Mexico has played a proactive role, implementing policies and initiatives to promote access to banking services. The creation of banking correspondent networks has extended banking services to remote regions, empowering marginalized communities to partake in the formal financial system.\nDespite these advancements, challenges persist. Cybersecurity remains a top concern as digital transactions increase, prompting banks and fintech companies to invest in cutting-edge security measures.\nAdditionally, financial literacy programs are essential to educate the population about the benefits and responsible use of banking services.\nUsing credit cards in Mexico can be convenient and safe when you are aware of potential fees, take necessary precautions, and inform your card issuer about your travel plans. The widespread acceptance of credit cards in urban and tourist areas makes it easy for travelers to enjoy their experiences without worrying about carrying large amounts of cash.\nBy understanding the best practices and taking safety measures, you can have a smooth and enjoyable financial experience during your Mexican adventure, allowing you to focus on creating unforgettable memories in this captivating country.", "domain": "economics"}
+{"url": "http://www.proger.it/en/gli-economics/", "date": "2021-04-21T21:24:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618039550330.88/warc/CC-MAIN-20210421191857-20210421221857-00635.warc.gz", "language_score": 0.9608837366104126, "token_count": 282, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__18335644", "lang": "en", "text": "In recent years, by offering integrated services in different sectors, Proger has managed to consolidate its role as a General Engineer able to adapt to the variability of demand through a multidisciplinary approach.\nIn 2020, the Italian SpA alone will show a turnover of around 83 million euros (compared to 89 million in 2019) and a Group turnover of around 130 million euros.\nThe slight decline recorded in 2020 (-7.3%) has been caused by the postponement of some orders to 2021-2022, due to the COVID-19 pandemic emergency. Nevertheless, the company was called upon to play an essential strategic role to face this emergency by providing services in the health, energy, transport and logistics sectors, as well as procurement of medical equipment and devices.\nAlso for this reason – and for some recent acquisitions in the maintenance engineering sector – a strong increase in revenues is expected in the three-year period 2020-2022. The turnover forecast of the Italian Spa alone stands at 128.7 million in 2021 and 130, 6 million in 2022.\nThe compound annual growth rate (CAGR) is expected to be + 13.8%.\nThe contribution margin will increase from the current 25.6 million to 39.9 million euros in 2021 and 41.1 in 2022.\nEBITDA will go from 8.6% to 15.5% in 2022.", "domain": "economics"}
+{"url": "http://education.vetmed.ufl.edu/admissions/financial-aid-information/", "date": "2013-05-24T14:45:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368704666482/warc/CC-MAIN-20130516114426-00093-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9315721392631531, "token_count": 720, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__126750250", "lang": "en", "text": "Tuition, Fees, and Financial Aid\nMost veterinary students in need of financial assistance rely heavily on federally insured loans. Eligible students can borrow up to $40,500 annually from this source. In addition, the College of Veterinary Medicine administers a few supplemental loan funds and awards some scholarships from endowments. Both of these are generally disbursed to students already enrolled and therefore cannot be committed in advance. Health Professions Student Loans (HPSL), College of Veterinary Medicine Scholarships and long- and short-term emergency loans are also administered by the College Awards and Scholarships Committee. In order to qualify for any of these, the student must have a current ‘Free Application for Federal Student Aid’ form on file. Information for filing is available at interview.\n- University of Florida Student Financial Affairs\n- Loan Programs at UF\n- Federal Student Aid Website\n- Excellent Source of Financial Aid Info\n- Free Application for Federal Student Aid\nTuition and Fees\nTuition and fees for entering UFCVM students in the professional curriculum are $28,100 per year for Florida residents and $45,500 for Non-Sponsored applicants. These fees are subject to change. The official breakdown of tuition and fees can be found at the University Financial Services website.\nIn addition, we have provided a copy of the UFCVM cost of attendance. This link represents the total cost for the UFCVM from the 2011-2012 academic year. For example, the first page represents the total cost of attendance for a 1 VM (or first year vet student). So, in this example, let us assume that you are living off campus – then the data that interests you would be “1 VM off-campus.” According to this data the cost of attendance per semester would be $22,244. Using this you can calculate your total cost for the year (freshmen do not take summer classes) at $44,488. This number reflects the total cost of attendance for a Florida Resident AND the maximum amount of financial aid for which you would be eligible. For out of state residents, you would need to add the “Out of State Fall 2005-2011″ (in this example the number is $9,282 per semester) to that calculation per semester.\n- UF Vet Student Budget 2012-2013 SFA - This should be updated for 2012-2013 before the end of July 2012.\nNote: The Self-FundedTuition is fixed for four years regardless of any state or university increases in tuition or any changes in your residency status.\nWhile there are a number of scholarship opportunities at the UFCVM, very few of these scholarships require a personalized application. Each year, students will fill out an Application for Scholarships and/or Financial Aid form provided by the Office for Students and Instruction. Using this information, the Awards and Scholarship Committee will award eligible students based on financial need, academics, and any other criteria as defined by the scholarship agreement set down by our donors.\nThe few scholarships that require a specialized application will be announced by the Office for Students and Instruction as they become available.\nAlthough incoming students are not eligible for the vast majority of these scholarships, there are some, that when available, may be distributed by the college based on academic success and financial need.\nNote: The UFCVM awarded over $400,000 in scholarships to students in 2012.\nFor questions regarding UFCVM administered financial aid please contact Jonathan Orsini, Director of Admissions, at firstname.lastname@example.org", "domain": "economics"}
+{"url": "http://www.metropoliscaffe.co.nz/purchase-first-home/", "date": "2021-12-05T03:57:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363135.71/warc/CC-MAIN-20211205035505-20211205065505-00597.warc.gz", "language_score": 0.9443244338035583, "token_count": 461, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__63112152", "lang": "en", "text": "The house is one of the most important purchases in human life. Unfortunately, the recent economic crisis and an increasingly turbulent financial scenario continually undermine the possibility of making this expenditure. Precisely for this reason, the Italian state provides some facilities in order to encourage the purchase of the first home .\nIn this guide on the purchase of the first house, I list the tax breaks, I give you an example of calculating the expenses (including those of the notary), I explain how to request the advance of the TFR, how to request the deductions, how the credit works tax for the repurchase and when to take advantage of the benefits having one already.\nConcessions: taxes and duties\nItalian law favors the purchase of the first home for young couples , singles, but also for families already started for years who finally have the opportunity to realize their dream. The concessions consist of tax incentives and are:\n- Reduction of taxes to be paid on the purchase of the property;\n- Deduction for IRPEF purposes of real estate commissions if you buy the house from an agency;\n- Deduction from IRPEF of interest expense on mortgage.\nIf you buy your first home, you are entitled to different discount categories regarding the taxes to be paid. Here is the complete list:\n- If you buy from a manufacturing company, you only pay:\n- 4% VAT;\n- Mortgage tax of 200 euros;\n- Cadastral tax of 200 euros.\n- If you buy from private (also real estate agency) you pay only:\n- Registration tax of 3%;\n- Mortgage tax of 50 euros;\n- Cadastral tax of 50 euros.\nAt appliances (box, garden, etc.) Are subject to the same facilities , the maximum amount of one for each category. For example. if there are two garages, only the first house concessions apply to one, the taxes are paid on an ordinary basis in the second box.\nFinally, if you buy the house from a real estate agency , you can deduct up to 1,000 euros of agency fees from the personal income tax. A deduction of 19% of commissions is due, so you can get an IRPEF refund of up to 190 euros.", "domain": "economics"}
+{"url": "https://vannoblefarm.com/new-for-2022/", "date": "2022-12-06T21:10:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711114.3/warc/CC-MAIN-20221206192947-20221206222947-00321.warc.gz", "language_score": 0.9665955901145935, "token_count": 650, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__76854535", "lang": "en", "text": "We are excited to introduce a new segment to our newsletter: Paragraphs from the Field. As the owner of Van Noble Farm, I have been inspired by many other small farmers who offer high quality news, videos, and stories about the day to day operations of running a small farm. So much goes on behind the scenes and we want to share more about raising animals on pasture, producing our line of retail meats, and our farm-to-table catering. Our newsletter has always been a way to keep up with product offerings and special events, and moving forward we will also dive deeper into the world of small farming and what it means to develop and produce truly farm-to-table products. My goal is to provide you with honest insights into the joys and realities of sustaining a small farm and a chance to understand the decisions small farmers are constantly faced with.\nTo kick-off this series, I’ll share the background of Van Noble Farm and what brought us to today’s operation: a working farm supporting a full service catering operation and small on-site butcher shop. In 2011, I started working for the Groundswell Center for Local Food & Farming as the Incubator Program Manager, but ultimately I wanted to work more closely with the land and livestock. Shortly after starting at Groundswell I began working as Assistant Farm Manager at The Piggery Farm in Trumansburg. The Piggery offered both some basic experience in animal husbandry and a launch point for my own farm. Van Noble Farm was truly born out of a simple contract to raise finished pigs for The Piggery’s butcher shop in downtown Ithaca. Owners Brad Marshall and Heather Sanford supported me greatly with mentoring as well as my first breeding stock when I started the farm in 2012. For five years I bred and raised pigs for The Piggery until the contract ended in 2017 when new owners took over the downtown butcher shop.\nWe had one year to pivot from a wholesale model to a direct to consumer retail business. At the time there were no other viable options for wholesale marketing and the only way to sustain the farm was to reduce production and adjust to the demand of a local customer base. The next step was to develop our casual pop-up pig roasts into offerings for weddings and special events. Over the years we’ve developed into a full service farm-to-table catering company and in 2018 we built a commercial kitchen on-site to support this venture. In the following year we began using our kitchen for butchering and this opened up the door to more creativity with our products and a full retail line. The butchering, curing, and smoking of pork has a long history within many cultures, and by opening up our own shop we had the opportunity to explore this delicious history and offer more than just pig roasts. Our team is excited about continuing to develop our line of small-batch, smoked and cured meats, with a focus on highlighting the diversity of quality produce available in the Finger Lakes. Today, we have a wide variety of different types of bacon, sausages, fresh cuts and barbecue available at the Ithaca Farmers’ Market and through our monthly Meat CSA.", "domain": "economics"}
+{"url": "http://cnjingya.com/about/", "date": "2019-09-18T18:42:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514573323.60/warc/CC-MAIN-20190918172932-20190918194932-00178.warc.gz", "language_score": 0.9458541870117188, "token_count": 299, "dump": "CC-MAIN-2019-39", "global_id": "webtext-fineweb__CC-MAIN-2019-39__0__146570347", "lang": "en", "text": "Yiwuyeti ornaments co.,ltd (Elegance Hair Ornaments), a real manufacture, located in NO.16 ShangBo Road, YiWu city—the biggest international trading city in China. We are a manufacture specialized in designing and producing hair accessories including hair claws, hair clips, hair clamps, hair bands, soft hair bands, ponytail holders, crowns, bracelets, kids hair accessories sets and so on. With about 7 years design and produce experience we have the ability to make special products as the customers demands. Almost every week, the professional design department of the Elegance Hair Ornaments designs the new fashionable items, and now we have tens of thousands of items in our sample rooms.\nThe products of Elegance Hair Ornaments sell well not only in domestic trading companies but also enjoy popularity in the world markets, such as in the United States, South Korea, Brazil, Malaysia, the Middle East, Canada, Pakistan, Australia, Peru, Chile, Bangladesh and so on. So we are very familiar with these markets, and we can supply the customers in these markets the useful information and suggestion.\n“High quality, Competitive Price, Sincere Service, Customer First” is the Elegance Hair Ornaments principle. Currently, we are looking forward to establishing good business relationships with all the customers from domestic and abroad based on mutual benefits. Please feel free to contact us for more details.", "domain": "economics"}
+{"url": "https://www.austinformichigan.com/news/education-central-to-reducing-poverty", "date": "2020-11-27T23:20:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141194634.29/warc/CC-MAIN-20201127221446-20201128011446-00400.warc.gz", "language_score": 0.9748106002807617, "token_count": 697, "dump": "CC-MAIN-2020-50", "global_id": "webtext-fineweb__CC-MAIN-2020-50__0__18494053", "lang": "en", "text": "Austin visited Marquette Monday to campaign as the Democratic nominee for re-election, which takes place Nov. 8, to the board of education.\nWith child poverty on the rise - increasing 23 percent in Michigan since 2006, according to Kids Count data released Monday - Austin said higher education and job training are the most important ways to lift families out of poverty.\n\"Poverty is a function of more people on the margins of employment,\" Austin said. \"The most significant thing we can do is to help our people, more of our people, get a post-secondary higher education degree or credential. ... The pay-off from certificates, from associate's degrees, from bachelor's degrees, are all significant and there are jobs out there for people with the level of skill and experience to get them. Without a post-secondary education, you are at those margins.\"\nAustin said education spurs economic growth, which is why in his time as board president, he has brought together stakeholders to lay a blueprint to join states with the best-educated populations.\nThe reason college tuition has skyrocketed is because the state used to pay for two-thirds the cost, he said.\nThat has dwindled to just 30 percent over the last 12 years, as a result of a Republican theology of austerity that claims government can't do anything right, Austin said.\n\"Northern has almost no choice but to ask students and parents to pay more of the cost,\" Austin said, \"Because we cut taxes, because of austerity, because of things you see cropping up in Flint. You can't walk back investments in people, communities (and) education and then not expect the wheels to fall off at some point.\"\nAustin referred to the recent Flint water crisis, where government's failure to enact corrosion control in lead pipes during a switch from Detroit water to the Flint River caused a spike in lead poisoning among children. Austin served as president of the Flint Roundtable early in his career.\nAustin said Michigan lifting the cap on charter schools without ensuring they provide a quality education has caused a glut of for-profit companies that market education to families already frustrated by crumbling public schools.\nThis draws tax dollars away from public schools into public charter schools that tend to pay teachers less and have less public oversight, he said. He supports school choice and charter schools, he said - but there needs to be improvements to the funding model and stricter oversight.\n\"It's really been the last four to five years where you see this much more aggressive right-wing agenda to kind of privatize education and to cut everything,\" Austin said. \"But it obviously is not working for our people and our communities. ... So I'm going to use this campaign to kind of have a referendum on what direction are we going in Michigan? Are we (going to) rebuild our communities and invest in our people and their opportunities through a great education or are we going to keep cutting the legs out from our people and our communities?\"\nAustin of Ann Arbor has a master's degree in public administration from the Harvard Kennedy School of Government, is director of the Michigan Economic Center, is a Brookings Institution non-resident senior fellow and lectures on the economy at the University of Michigan.\nHe was born and raised in the coal fields of West Virginia, the son of a Presbyterian minister. He met his wife in Michigan, where they decided to make their home.\nTo view the original article, visit HERE.", "domain": "economics"}
+{"url": "https://www.unjobsinegypt.org/job/292", "date": "2022-05-18T23:26:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662522556.18/warc/CC-MAIN-20220518215138-20220519005138-00576.warc.gz", "language_score": 0.9247997403144836, "token_count": 1962, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__129663587", "lang": "en", "text": "Consultant for Assessment and Development of Business Models for LED Entities within MoLD\nThe project titled ‘Supporting the Ministry of Local Development in Decentralization and Integrated Local Development with Special Emphasis on Upper Egypt’ aims to support the Ministry of Local Development (MoLD), in collaboration with the United Nations Development Programme (UNDP), in being capable of achieving its core mandates, particularly creating a modernized and decentralized local administration system at the central and local levels in selected governorates, which adheres to good governance, whose function is to support and promote integrated local development through upholding excellence in local public services delivery and promoting local economic and social development.\nDeveloping and rebuilding central and local institutional capacity is core not only for implementing decentralization, but also to achieving the ultimate objective of local development as represented in Local Economic Development (LED) and provision of improved services and infrastructure. Creating productive employment opportunities in each locality that caters to all requires effective and practical yet a strategic framework for economic development, including targeted public investment in infrastructure, development of human capabilities, active promotion of innovation and entrepreneurship, and alignment with national policies for trade, investment and the like. Moreover, enhancing public service delivery systems increase citizen satisfaction with government performance, particularly when adhering to good governance.\nIn continuous attempts to support the development of conducive and sustainably-competitive local economies, the Ministry of Local Development established different financial instruments and LED entities to support the growth of local economies, reduce poverty and utilize natural and human resources, and creates decent jobs for all, specially, women, youth and the disabled. One of these LED instruments is the Local Development Fund (LDF) that was established under the Presidential Decree 310 for the year 1978 to support the governorates and local units in addressing poverty and supporting entrepreneurship in villages all over Egypt.\nIn addition to the LDF, the Ministry launched in 2015 an initiative to support economic development as well as to incorporate social development. Your Project Initiative was established aiming to address unemployment through availing funding and providing technical support and facilitation of permits through one-stop-shop mechanisms through local administration in each governorate. Besides, the Ministry has its own vocational training workshops in a number of governorates for different handicrafts that employ a large number of workers and employees. These workshops were originally initiated to support the development of the handicrafts sector by creating skillful and well-trained workers and match the market demand. Currently these vocational training workshops are not responding to market needs in ways that would boost the handicrafts sector and support it economically.\nOver time, the successive attempts of institutional restructuring of MoLD taking place under different Ministry leadership led to changing the institutional affiliation and accordingly the mandates of these entities. By eliminating the Agency for the Development and Construction of Egyptian Villages (to which the LDF was affiliated), the new governing arrangement of the Fund is unclear. This perpetuated the deficiencies in the overall performance of the LDF and weakened its role financially and technically.\nAs for Your Project Initiative, it was not embedded within the organizational structure of the Ministry in the first place. In addition, its correlation with the LDF is not clear, particularly that both entities support local development financially. Thus, the need arises to identify any overlapping mandates and to support the Ministry in the restructuring of these financial instruments by initially developing adequate business models, operational processes and guidelines, and mapping out of potential sources of funds.\nThe objective of this consultancy mission is to lead the development of viable and sustainable business models to the three LED-related entities affiliated to the Ministry of Local Development within its mandate in promoting and supporting LED.\nSection: Responsibilities / Duties\nScope of Work and Tasks\nThe consultant is expected to support MoLD with the development of viable business models based on accurate assessments for the affiliation, functionality and sustainability of the three LED-related entities of the Ministry: ��Your Project Initiative”, the Local Development Fund, and for the affiliate workshops to MoLD.\nAccordingly, the consultant is expected to perform the following set of tasks and responsibilities:\n- Conduct a comprehensive assessment to the three entities to determine the viability of a sustainable financing and existence of adequate structural, financial, and administrative/management arrangements and highlight potential areas of improvement,\n- Carry out an in-depth analysis on recent business models and methodologies in global best practices for similar financial entities affiliated to Ministries in support of local development,\n- Produce viable business models for the respective financial entities to be applied in alignment with existing guidelines, and recommendations for possible institutional, management and financial reforms in support of their sustainability,\n- Facilitate consultations, workshops and focus group discussions with all relevant stakeholders towards the development of the business models;\n- Invite participation and resource mobilization through engaging relevant stakeholders (that include but not confined to private sector players, investors, financial institutions, to determine potential sources of funds and establish partnerships;\n- Advice the three entities on applying the proposed business models,\nDeliverablesThe firm is expected to deliver the following output:\n- Deliverable 1: Report with the findings of the assessment conducted to the three affiliate financial institutions that includes mapping out and analysis of the existing structural, financial, administrative/management arrangements and highlighting potential areas of improvement.\n- Deliverable 2: Adequate business models to be applied to the three LED-related entities.\n- Deliverable 3: Final report summarizing the process of developing the business models, the challenges faced, recommendations for implementation or improvement, and description of outcomes. The consultant shall also provide in the report (or annexed to it) any documents, information or contacts that he/she comes across at the local and central level while conducting the consultancy mission.\n** All deliverables are to be submitted in the Arabic language with summaries in English.\n- Collection of data / information required is the responsibility of the consultant.\n- If needed, the project team can support with the facilitation of data collection from the counterparts.\nSection: Requirements: Education / Experience / Languages / other requirements:\nThere will be a kick-off meeting with the selected consultant to agree on the methodological approach & all arrangements with the Senior Program Advisor and Project Team.\nScope of Fees & Schedule of Payments:\n|1||Report with the findings of the assessment conducted to the three affiliate financial institutions that includes mapping out and analysis of the existing structural, financial, administrative/management arrangements and highlighting potential areas of improvement.||30%|\n|2||Adequate business models to be applied to the three LED-related entities.||40%|\n|3||Final report summarizing the process of developing the business models, the challenges faced, recommendations for implementation or improvement, and description of outcomes. The consultant shall also provide in the report (or annexed to it) any documents, information or contacts that he/she comes across at the local and central level while conducting the consultancy mission.||30%|\nExperience and Competencies:\nThe selected consultant should have the following qualifications:\n- Minimum of 10 years of relevant experience in formulating business models, conducting economic development of similar publicly-governed financial institutions,\n- Extensive experience in dealing with public and local administration projects as well as private sector players;\n- Appropriate experience working with government structures at all administrative levels;\n- Knowledge of analytical capacity for determining mitigation options for decision making;\n- Outstanding knowledge of public & local administration laws as well as financial and institutional regulations.\n- High communication and moderation skills;\n- Strong reporting and report-writing skills in Arabic and English;\n- Independent, well-organized, responsive and respects timeframes\nSection: Extra information\nDuration of the Assignment\nThe consultancy mission shall take five months and ends on December 15th, 2020 (40 working days).\nProposals to be submitted by consultants including technical (methodology, approach, etc.) and financial offers as well as an updated CV.\nThe technical offer includes a proposed methodology and approach to the desired task.\nThe financial offer should be a lump-sum figure covering all expenses. The consultant will indicate in her/his proposal a clear timetable work plan of each deliverable, and number of anticipated working days.\nThe consultant should provide a certificate of good health and a proof of valid medical insurance as per Covid-19 Consultant hiring updates. Applications to be sent in soft copies (PDF format) to the following email: [email protected] maximum by Sunday August 16th, 2020.\nWhen using this weighted scoring method, the award of the contract should be made to the individual consultant whose offer has been evaluated and determined as: a) responsive/compliant/acceptable, and b) Having received the highest score out of a pre- determined set of weighted technical and financial criteria specific to the solicitation.\n* Technical Criteria weight; 70% * Financial Criteria weight; 30% only candidates obtaining a minimum of 49 point would be considered for the Financial Evaluation\n|• Consultant Experience||40%||28 points|\n|• Proposed Methodology||60%||42 points|\nJob source: recruiting organization’s website.\nClick the button below to visit the original announcement on the recruiting organization’s website.", "domain": "economics"}
+{"url": "https://crgurukul.com/government-health-insurances-in-the-united-states-everything-you-need-to-know/", "date": "2024-02-27T16:09:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474676.79/warc/CC-MAIN-20240227153053-20240227183053-00125.warc.gz", "language_score": 0.9351791739463806, "token_count": 878, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__199465953", "lang": "en", "text": "In the United States, access to healthcare is a fundamental concern, and the government plays a pivotal role in providing healthcare coverage to various segments of the population through government health insurance programs. These programs aim to ensure that individuals, especially vulnerable populations, have access to essential medical services and treatments. This article delves into the details of government insurance programs in the US, shedding light on their significance, eligibility criteria, and impact on healthcare access.\nTypes of Government Health Insurance\n1. Medicare: Providing Healthcare for the Elderly and Disabled\nMedicare is a federal health insurance program primarily designed to cater to the healthcare needs of individuals aged 65 and older. It also covers certain younger individuals with disabilities or specific medical conditions. Medicare is divided into several parts, each addressing different aspects of healthcare coverage:\n- Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care services.\n- Part B (Medical Insurance): Covers outpatient services, preventive care, physician visits, medical supplies, and some home health care services.\n- Part C (Medicare Advantage): Offers an alternative to original Medicare by providing comprehensive coverage through private insurance plans.\n- Part D (Prescription Drug Coverage): Provides coverage for prescription medications through private insurance plans.\nMedicare aims to alleviate the financial burden of healthcare costs for older adults and individuals with disabilities, promoting their well-being and ensuring access to necessary medical treatments.\n2. Medicaid: Extending Coverage to Low-Income Individuals\nMedicaid is a joint federal and state program that provides healthcare coverage to low-income individuals and families. Eligibility and coverage options may vary by state, but the program typically covers a wide range of medical services, including hospital visits, doctor appointments, prescription medications, preventive care, and long-term care services.\nUnder the Affordable Care Act (ACA), states have the option to expand Medicaid eligibility to cover more low-income adults. This expansion has significantly increased the number of individuals who can access essential healthcare services. Medicaid serves as a safety net, ensuring that those who might not otherwise afford healthcare have the opportunity to receive medical care when needed.\n3. Children’s Health Insurance Program (CHIP): Caring for the Youngest Generation\nCHIP is a program specifically designed to provide healthcare coverage to children in low- to moderate-income families who do not qualify for Medicaid. CHIP offers comprehensive healthcare benefits, including doctor visits, immunizations, dental care, vision care, and prescription medications. It serves as a critical resource in promoting the health and well-being of children and adolescents, ensuring that they receive the care necessary for proper growth and development.\n4. Veterans Health Administration (VHA): Serving America’s Veterans\nThe Veterans Health Administration (VHA) is a government-run healthcare system that provides medical services to eligible veterans of the United States armed forces. The VHA operates a network of hospitals, clinics, and medical centers across the country, offering a wide range of healthcare services, including primary care, specialized care, mental health services, and long-term care.\nThe VHA plays a crucial role in addressing the unique healthcare needs of veterans, including service-related injuries, mental health conditions, and other medical issues that may arise during or after military service.\n5. Indian Health Service (IHS): Focusing on Indigenous Health\nThe Indian Health Service (IHS) is responsible for providing comprehensive healthcare services to Native American and Alaska Native populations. IHS operates a network of hospitals, clinics, and healthcare centers that offer medical, dental, behavioral health, and preventive care services. The goal of IHS is to improve the health status of indigenous communities and ensure culturally sensitive healthcare delivery.\nGovernment insurance programs in the United States are a crucial pillar of the nation’s healthcare system, providing coverage and access to medical services for various segments of the population. From Medicare and Medicaid to CHIP, and VHA. These programs play an integral role in promoting equitable access to healthcare, enhancing the well-being of individuals, and addressing the diverse healthcare needs of different populations. Through these government initiatives, the US strives to create a healthcare system that ensures comprehensive coverage and quality care for all citizens, regardless of their age, income, or background.", "domain": "economics"}
+{"url": "http://broadviewadvisors.com/", "date": "2016-10-26T15:10:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-44/segments/1476988720962.53/warc/CC-MAIN-20161020183840-00220-ip-10-171-6-4.ec2.internal.warc.gz", "language_score": 0.9539185166358948, "token_count": 1256, "dump": "CC-MAIN-2016-44", "global_id": "webtext-fineweb__CC-MAIN-2016-44__0__163761952", "lang": "en", "text": "Pandora Media, Inc. (P) – Faraz Farzam, CFA\nWe have been accumulating shares of Pandora over the course of the last year which has been rather tumultuous for the popular streaming music app. We believe it is one of the most strategic internet assets trading now at rock-bottom prices. According to comScore, Pandora boasts nearly 90 million active users representing five billion listener hours. This level of usage, 22 hours per user per month, rivals both Facebook and YouTube. This compares to Spotify at 100 million (of which only 30 million are paying subscribers) and 15 million for Apple Music. It is important to note that Pandora’s core service is free; supported by advertising revenue. Spotify and Apple Music require a monthly subscription for an on-demand service. Furthermore, the active user metrics for Pandora’s competition are global while Pandora’s is almost exclusively domestic.\nThe key point of differentiation between Pandora and other services is that, not only is it a free advertising supported service akin to terrestrial radio, it serves as a unique discovery engine for new music for its listeners. The company has developed algorithms that use intrinsic qualities of music to initially create stations that then adapt playlists in real-time based on the individual feedback of each listener. Its streaming service is available through various distribution channels and it has developed applications for smart phones, tablets, smart televisions, gaming consoles, and home streaming devices. Furthermore, Pandora is currently integrated into the automotive infotainment systems of 190 car models. Management expects this integration to be expanded to 50% of all cars sold in the U.S. in 2016.\nUtilizing an advertising based model, Pandora aims to capture a share of the massive $23 billion digital advertising market and the $17 billion radio advertising market. We believe Pandora will eventually close the gap between its leading share of US radio listening hours (estimated at 10%) and its advertising share, estimated at approximately 4%. This implies that, if pricing is held constant, the company has the opportunity to double its revenue as it closes that gap. However, the company also has an opportunity on the pricing front. Today their ad rates are far lower that the rates charged by terrestrial radio, even though Pandora has been steadily raising rates. Over the course of the last 3 years, Pandora has expended considerable effort building out a sizable sales force, nearly 160 strong “feet-on-the-street” in 39 markets, to attack the local radio advertising market. This is an asset that neither Spotify nor Apple possess.\nIn our opinion, neither Apple Inc. (AAPL) nor Spotify are truly direct competitors. This is a point of confusion amongst investors that caused a lot of volatility in the stock over the course of the last year. As we mentioned earlier, Pandora’s service is free to listeners who are willing to listen to a few ads per hour. However, Spotify and Apple Music offer a paid service that amounts to $120 per year. This requires the building of playlists and is often referred to in industry parlance as a “lean in” model vs Pandora’s “lean back” model. A few months ago, Apple quietly shuttered its iRadio business, the service that directly competes with Pandora, to focus on Apple Music, the Spotify-like service. Although Spotify offers a radio service, in our opinion, it lacks a meaningful recommendation engine. Spotify also does not possess the local sales force required to compete for local ad dollars.\n2014 was a watershed year for Pandora. The company hit $1 billion in revenue and generated nearly $60 million in earnings before interest, taxes and amortization (“EBITDA”), a measure of cash flow. By the fourth quarter, it hit a run-rate EBITDA of $175 million, demonstrating the economic power of the business model. 2014 was also the peak year for the stock price, topping $40 per share. However, over the course of the following year and a half, the stock came under considerable pressure for several reasons.\nFirst, investors began to “climb a wall of worry.” The Copyright Royalty Board (“CRB”), a three judge panel that sets royalty rates for the industry, began deliberations on what rates Pandora and other providers would have to pay artists and record labels over the next five years. Investors feared a dramatic increase in rates that would permanently impair the economic model. The royalty rates were eventually set and, although modestly higher, they were nowhere near the dramatic increase bearish investors predicted.\nSecond, the company acquired Ticketfly, an online music venue ticketing app similar to Ticketmaster. Pandora aims to marry the vast storehouse of information on its users, their likes, their stations, and music preferences with performing artists’ touring schedules. In the age of digital music, 80% of an artist’s income is generated through touring. According to Pandora, 50% of tickets go unsold prior to the event. Pandora sits in the unique position to help artists connect with their fans, providing a unique service that no one else can deliver.\nThird, Pandora acquired the technology assets of Rdio, Inc. out of bankruptcy to deliver a Spotify-like on-demand platform in 2017. According to Pandora, the company will break even on the acquisition if they convert a mere 2% of their already vast user base to a paid on-demand service. Although bearish investors point to a company that struggles to make money, we believe that the core ad-supported radio business is generating EBITDA. In our opinion, this is currently masked by the investments in the two new platforms.\nPandora’s goals are ambitious. They aim to be the dominant music platform for consumers; spanning radio, on demand, and concerts ticketing. We believe that, if Pandora can achieve these goals, the value of the company will be dramatically higher than today's price. However, should they fail, the core radio asset with its 90 million user base and 160 strong domestic sales force will surely be a sought after asset for other internet platforms such as Spotify or Facebook.", "domain": "economics"}
+{"url": "http://34.207.159.124/bit-crowdsale/", "date": "2018-12-12T02:32:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376823712.21/warc/CC-MAIN-20181212022517-20181212044017-00385.warc.gz", "language_score": 0.892360508441925, "token_count": 416, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__75326427", "lang": "en", "text": "The Blockchain Institute of Technology is raising money to purchase a permanent building to expand on the awesome intellectual and productive work being achieved by New Hampshire seacoast individuals in our space. Our landlord has recently put our building up for sale so we have the incredible opportunity to establish a permanent home for BIT in Portsmouth!\nInvestors in our BIT token are crypto-wealthy individuals and blockchain enthusiasts who want to see a culture of decentralization through technology flourish throughout the New England Seacoast.\nBy sending ETH to the contract address our sponsors receive two BIT tokens for each ETH. The Institute will accept BIT tokens at the value of one BIT equals one ETH for all goods and services.\nThe crowd-sale will end when 25,000 ETH is raised, leaving a total of 50,000 BIT tokens available in circulation. The Blockchain Institute of Technology accepts BIT tokens at a face value of one BIT per ETH, so for every $1 in demand for BIT services (courses, lectures, events, rent, etc) sponsors may earn back up to $2 by buying services or by selling the tokens on the open market to other patrons or students wishing to attend The Institute.\nSend ETH to crowd sale address: 0x0614fef694925bab5b02ea91c25e27b5c34008de\nBIT Token address: 0xd91404da4e64e77869c4b407f7753ccca81426f1\nToken Decimals: 18\nTicker name: BIT\nBIT tokens are also sold on the XRP decentralized exchange.\nTo donate XRP and receive BIT tokens as proof of your sponsorship on the XRP ledger, take an order for accept an offer for BIT.rBG9Xa4ARYqKJh4XBiWbB3fxizWthSLhWb\nFor each XRP donated your account will receive two BIT tokens, which will be usable for Blockchain Institute of Technology services at the rate of one XRP per BIT.", "domain": "economics"}
+{"url": "https://www.globalinfrafacility.org/node/289", "date": "2021-03-01T00:06:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178361808.18/warc/CC-MAIN-20210228235852-20210301025852-00438.warc.gz", "language_score": 0.8839921951293945, "token_count": 255, "dump": "CC-MAIN-2021-10", "global_id": "webtext-fineweb__CC-MAIN-2021-10__0__47490590", "lang": "en", "text": "About 400 public and private representatives interested in sustainable infrastructure and PPP policies and investment in the Caribbean region attended a half-day GIF webinar co-organized with seven partners on January 28, 2021. To better understand the Caribbean region’s state of sustainable infrastructure investment, the webinar looked at the challenges and unique opportunities to scale private investment in low-carbon, resilient, and inclusive infrastructure in the region.\nIts objects were to generate awareness of opportunities in the Caribbean through in-country examples of successful infrastructure Public-Private Partnerships, showcase innovative finance solutions that can play a catalytic role in scaling private sector infrastructure investment in the Caribbean, promote a pipeline of current infrastructure investment opportunities in the Caribbean, highlight work of regional and multilateral development banks active in the region.\nThe webinar's organizing partners include the Canadian Council for Public Private Partnerships (CCPPP), Caribbean Development Bank (CDB), Global Affairs Canada (GAC), Global Infrastructure Facility (GIF), Inter-American Development Bank (IDB), IDB Invest, International Finance Corporation (IFC), and World Bank (WB).\nBreakout Session 1: Jamaica’s PPP Pipeline\nBreakout Session 2: Solar PPP Programs in The Bahamas and Trinidad & Tobago", "domain": "economics"}
+{"url": "http://www.donottrackplus.com/trackers/yieldmanager.net.php", "date": "2016-08-29T07:16:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-36/segments/1471982953863.79/warc/CC-MAIN-20160823200913-00044-ip-10-153-172-175.ec2.internal.warc.gz", "language_score": 0.960610032081604, "token_count": 217, "dump": "CC-MAIN-2016-36", "global_id": "webtext-fineweb__CC-MAIN-2016-36__0__31402935", "lang": "en", "text": "yieldmanager.net is a domain used by RightMedia which is an advertising company that is part of a network of sites, cookies, and other technologies used to track you, what you do and what you click on, as you go from site to site, surfing the Web. Over time, sites like yieldmanager.net can help make an online profile of you usually including the sites you visit, your searches, purchases, and other behavior. Your profile can then be exchanged and sold between various companies like yieldmanager.net as well as being sold to other advertisers and marketers.\nMore about RightMedia:\nRight Media launched digital advertising's first exchange platform in the spring of 2005 and is currently the largest exchange in the industry. Our success stems from the principles we started with: transparent, fair, open and efficient. We've stayed true to these values throughout a variety of market cycles. Since Yahoo! acquired the company in 2007, we have been working to build a premium exchange with more than 160,000 active global buyers and sellers and more than 9 billion daily transactions.", "domain": "economics"}
+{"url": "https://www.alarmsupply.com.sg/about/", "date": "2024-02-25T05:50:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474581.68/warc/CC-MAIN-20240225035809-20240225065809-00479.warc.gz", "language_score": 0.9566754102706909, "token_count": 302, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__145839138", "lang": "en", "text": "Our commitment to being the most complete and trusted provider of fire equipment in Asia.\nEstablished in 1982, Alarm Supply has been the foremost provider of quality fire fighting equipment to Singapore and the ASEAN Region for more than 30 years. Since its inception, the company has built a reputation for itself as a reliable and trusted supplier of quality equipment as some of our major customers will attest to.\nWe pride ourselves in our customer relations that have been built over the years. Even with the onset of the Asian Financial Crisis. Alarm Supply has stood firm in the ailing economy, performing above industry average and surpassing government forecasts. This proves that our customers value us as much as we value them even in times of economic slowdown.\nWe have withstood the onslaught of the crisis because of our excellent administrative foundation and superb customer relations and more importantly, customer satisfaction.\nOur supply chain management has also been a pillar of strength for the company. We have exclusive distribution rights to many reputable companies in Europe and North America. Our proven track record with these companies shows our commitment not only to our customers but to our suppliers as well.\nWe are proud that we were the first agent for APOLLO in the world and the company has since grown to become the market leader in detectors in the United Kingdom.\nAmerican Bureau of Shipping\nDet Norske Veritas\nLoss Prevention Certification Board\nMaritime and Coastguard Agency\nMarine Equipment Directive\nRegistro Italiano Navale", "domain": "economics"}
+{"url": "http://www.blizzardnewmmo.com/RMAH", "date": "2013-05-22T13:43:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368701806508/warc/CC-MAIN-20130516105646-00059-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.955964207649231, "token_count": 867, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__101874151", "lang": "en", "text": "From Blizzard's New MMO Wiki\nReal Money Auction House\nDiablo II taught Blizzard that people found a way to not only trade useful item drops to help fellow players, but to also make a bit of money on the side. In more recent times, this process has become known as Gold Farming, and rather than ignore, or fight the trend, Blizzard have embraced it for Diablo III, offering up active auction houses for items, split into currency regions where they, of course, take a slice of the pie, but you can freely sell items for real-world money to then pocket or use against your Battle.net account for purchases or usage with other Blizzard products and services.\nSo the basics are, it’s integrated into the game client which means you can trade completely within the game itself. You’ll be able to sell items, gold and components with auto-bidding or via instant buy-out (so if you’re familiar with the WoW auction house you’ll have a sense of how this works). Auto-bidding is a new addition though, that will allow you to set a certain price for specific items you’re chasing, which means you won’t always need to be online to participate in auctions.\nSearching for items is a simplified and easy affair thanks to a lot of smart search functionality. Given the game works specifically off of a random item generator (so you never know what you’re going to get), you’ll be able to search for affixes and items integral to your chosen skills, class or load-outs for maximum customisation, and to really give the trading system robust purpose.\nThe game is going to require you to be always online for full access, but this will allow your auction house movements to be immediately linked across your entire account, and there’s an in-game “Stash” box where all your items bought or found will go, which you can then uitilise across any characters you have with your Battle.net account. It’s all instantaneous. Moreover, all transactions within the auction house are part of a secured item transfer system, meaning you no longer need to arrange to go into town and meet your buyer and drop his gear in front of him in a hope he picks it up before someone else does. All trades will also be conducted with anonymity (so you’re invisible during trades, essentially) to maintain the secure aspect of what Blizzard are attempting to do here.\nAll that said though, you don’t have to use the real money auction house, and it was revealed the team were also offering up a separate gold auction house, where you’ll use the game’s own currency to buy items. And for the Hardcore mode players out there, you won’t be able to use any items from the auction house in that mode.\nAuction houses will be split into regional currency, though it is possible to participate in other regions, you’ll just cop the appropriate fees applied to conversion rates and the like.\nAs for how the money end of things works, there’ll be two different fees - a listing fee, and then a sale fee. Blizzard’s Rob Pardo mentioned in a interview for AusGamers.com that they weren’t ready to go into specifics just yet about what sort of dollar value you’d be looking at for both fees, but assured us they’re not looking to pinch your pennies, and that it would be a nominal figure for both and fixed, flat-rates, to boot. He did also mention though, that they were toying with the idea of allowing for a certain number of free listings per week as both an incentive to participate, and general loyalty reward.\nSpeaking of cash, cashing out of your earnings from the auction house can be done in two ways. One is to simply roll your earnings into your Battle.net account balance, which will obviously net you the highest return, because the second option, which is to physically cash out, will likely set you back extra fees as Pardo revealed they’d be going with an unannounced third-party payment provider.", "domain": "economics"}
+{"url": "https://statisticscalculators.net/statistics/exponential-growth-prediction-calculator/", "date": "2023-09-30T04:09:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510575.93/warc/CC-MAIN-20230930014147-20230930044147-00863.warc.gz", "language_score": 0.90801602602005, "token_count": 698, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__156565884", "lang": "en", "text": "Utilize our free online Exponential Growth Calculator and solve all complex problems on the exponential growth model effortlessly. Just enter the input values like initial amount, rate of change, elapsed time, and click on the calculate button to get the result in a matter of seconds.\nWhat is Meant by Exponential Growth & Formula?\nExponential growth is generally used in the science fields to predict what will be the state of a quantity in the next coming time. The quantity that increases is called growth. Simply, the process that rises quantity over time is called exponential growth. Real-life examples of exponential growth include microorganisms in culture, spoilage of food, human population, etc.\nFormula of Exponential Growth\nThe exponential growth formula is appiled to reveal a function of exponential growth. Following is the exponential growth formula:\nx(t) = x0 × (1 + r)t\nx(t) is the final value after time t\nx0 is the initial value\nr is the rate of growth in percent\nt is the total time in discrete intervals and selected time units.\nStep-by-step Solution on Calculating the Exponential Growth\nThe following steps are used to calculate the exponential growth manually:\n- Firstly, find out the initial value for the quantity we want to determine the future value.\n- Next, define the growth rate of that quantity, which might be with respect to years or months to even minutes and seconds.\n- After these two steps, it figured out the tenure or the total period for which the quantity will stay in the system.\n- At this point, we have to calculate the total number of periods for which growth has to be calculated and compounded.\n- At last, by combining the initial value, the annual growth rate and the number of periods in the tenure, the exponential growth of the quantity will be solved.\nJames loans $10,000 to his friend at an annual interest rate of 4.7%, compounded yearly. Find the amount owed by his friend after 5 years by the exponential growth formula?\nGiven initial amount is a = $10,000.\nr = rate of interest (growth) = 4.7% = 4.7/100 = 0.047.\nx = number of years = 5 years\nApply the exponential growth formula, i.e.,\nf(x) = a (1 + r)^x\nf(x) = 10000 (1 + 0.047)^5 ≈ 12,582 (Rounded to the nearest integer).\nHence, the total amount owed after 5 years = $12,582.\nFAQs on Free Online Exponential Growth Calculator with Steps\n1. What is the general representation of exponential growth?\nExponential growth is generally represented by the formula: P(t)=P0ekt.\n2. What is the formula of exponential decay?\nThe exponential decay formula is (y) = a * (1 – r) ^x. Where, a = Initial growth (the amount before measuring decay) r = Decay rate (most often represented as a percentage and expressed as a decimal) x = Number of time intervals that have passed\n3. Where can I find the free online exponential growth calculator?\nYou can easily find the free online exponential growth calculator from our website @ statisticscalculators.net", "domain": "economics"}
+{"url": "http://mdbuyline.applytojob.com/apply/job_20170313132102_H2GJOWYB4ZSTCTNQ/Associate-Analyst?source=GS", "date": "2017-04-25T18:14:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917120844.10/warc/CC-MAIN-20170423031200-00220-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.933691680431366, "token_count": 541, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__71936904", "lang": "en", "text": "As the healthcare landscape evolves, providers are being asked to deliver higher quality care at a lower price. To survive in this environment, a new level of rigor is required. MD Buyline is the market leader in providing clinical, operational and financial insight on medical technology and services to the nation’s hospitals and healthcare organizations. For over 30 years, MD Buyline has been actively assisting organizations to maximize their capital and material resources to ensure optimal efficiency.\nIn today’s competitive healthcare environment, the burden on operating efficiency is higher than ever. In response to this heightened pressure, MD Buyline is actively expanding its products and services portfolio to meet the needs of the entire healthcare community. At the same time, this brings about an opportunity to expand our team of analysts and support staff.\nWe are actively looking for an Associate Analyst. The Associate Analyst will assimilate and analyze detailed information to identify opportunities for cost reductions, competitive vendor insight, and standardization as well as perform business analytics. This position requires collaboration with subject matter experts, analysts, managers and demands the capability to meet rigorous deadlines and balance multiple priorities to achieve high levels of productivity.\nPreferred Skills and Experience:\n* Bachelor’s degree required.\n* Must have a high level of attention to detail, be flexible and customer service oriented.\n* Must be self-motivated with accountability and ownership of work.\n* Healthcare supply chain, contract management, and/or data management experience are a plus.\n* Must have strong communication and interpersonal skills to interact with teammates and customers.\n* Must have strong computer skills and working knowledge of Microsoft Office products.\nMD Buyline offers a competitive compensation package including:\nCompetitive base salary\nOpportunities for advancement and growth\nFull benefit package: including medical, dental, vision, 401K ER match, paid time off (PTO), Fitness reimbursement, DART or parking reimbursement.\nAbout MD Buyline:\nMD Buyline focuses on removing the strategic and tactical barriers that challenge healthcare providers to ensure they make the right medical technology investments at the right price. With three decades of experience, and partnerships with thousands of hospitals and health systems nationally, MD Buyline is the market leader in providing hospitals and health systems with the insight necessary to purchase with confidence. MD Buyline offers a complementary suite of solutions designed to simplify the research, budgeting, and purchasing process for medical capital, consumables, IT, and service. Grounded in the knowledge that data needs to be supported by experience and best practices to achieve sustainable results, the MD Buyline team of Clinical Analysts marry raw data with expert guidance and support.\nNO phone calls please.", "domain": "economics"}
+{"url": "https://www.elogistic.solutions/retail-supply-chain-logistics-expo/", "date": "2023-05-28T15:34:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644309.7/warc/CC-MAIN-20230528150639-20230528180639-00254.warc.gz", "language_score": 0.942537248134613, "token_count": 503, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__94642923", "lang": "en", "text": "2nd & 3rd March 2022 – ExCeL London\nElogistic are attending the Retail Supply Chain & Logistics Expo at stand SC2360.\nThis event is the ultimate hub for retailers to source the solutions that will ensure their supply chain is running as smoothly and efficiently as possible, in order to meet demand and the all-important expectations of their customers!\nAs a global logistics and fulfilment specialist as well as working with some of the world’s leading retailers and e-commerce brands, Elogistic can offer their excellent services that any organisations and brands can benefit from, providing fast and accurate pick & pack operations as well as competitive last-mile delivery rate. Helping businesses reaching customers around the world with bespoke fulfilment and logistic solutions.\nTaking place at London’s ExCeL on the 2nd & 3rd March 2022, the event will showcase the innovations and technologies that are shaping the face of the industry!\nElogistic Business Development Director Charles Lu says “We are excited to attend one of the UK’s leading supply chain and logistics exhibitions. Having set up 11 hubs in the UK and over 20 sites across the rest of the world in the last 18 months to become the global leading logistics provider in such a short space of time we are ready to build on that success.”\nFrom increasing speed to cutting costs, the Retail Supply Chain & Logistics Expo will bring together 200 of the industry’s leading suppliers with over 100 expert speakers, to bring you the very latest in warehouse automation and supply chain optimisation. Elogistic are at the forefront of the industry Whether you’re a small independent retailer or a multinational chain, come and talk to us on Stand SC2360 to keep those orders rolling out accurately and on time.\nLondon’s ExCeL will be filled from wall to wall with the best innovations from across every corner of the industry. Experience the latest products and solutions,\nTickets are completely free and will also grant you unprecedented access to Smart Retail Tech Expo and the White Label World Expo, running directly alongside! Head over to retailscl.co.uk to register now and make sure you visit Elogistic on stand SC2360.\nFor Elogistic enquiries:\nLaura Dryhurst – Marketing Consultant:\nT: 0203 771 7983 (EXT.888)", "domain": "economics"}
+{"url": "https://www.masdevpartners.com/article.cfm?a=21", "date": "2020-05-29T17:16:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347405558.19/warc/CC-MAIN-20200529152159-20200529182159-00044.warc.gz", "language_score": 0.9503123760223389, "token_count": 1342, "dump": "CC-MAIN-2020-24", "global_id": "webtext-fineweb__CC-MAIN-2020-24__0__32333910", "lang": "en", "text": "Fueled by low gasoline prices and easier credit, the U.S. auto industry pulled its recent winning streak into 2015 with a nearly 14% January sales increase and over half of sales comprised of high priced pickups and sport-utility vehicles.\nThe momentum, which includes double-digit percentage sales increase for each of the Detroit Three car makers compared with the same period a year ago, continues the upturn’s major trends: U.S. demand for trucks and sport-utility vehicles are skyrocketing amid $2-per-gallon gasoline, boosting transaction prices and margins at a time when the rest of the global auto industry offers little profit potential.\nThose industry gains are coming at the expense of one of the goals Washington had when it bailed out General Motors Co. and Chrysler Group late last decade. Envisioning a much more fuel-efficient auto industry, President Obama set a goal of 1 million electric vehicles on the road by 2015.\nThe market likely will fall well short of that despite tax incentives and ample installed electric-vehicle capacity in American automobile factories. Sales of light trucks and SUVs in January grew 19.3%, representing 54% of the sales mix, according to researcher Autodata Corp. Passenger cars grew at a more modest 7.7% and, of those, electrified vehicles represented well under 1% of sales.\n“The American people love their trucks,” said Mike Jackson, chief executive of No. 1 U.S. dealer chain AutoNation Inc. “This decline in gas prices is a definite plus for the industry both in consumer attitude and the type of vehicles they buy.”\nGM, the largest U.S. auto maker, reported an 18% sales increase in sales compared with the same period in 2014. The growth is coming on the back of redesigned trucks and SUVs that made their debut last summer just as oil prices were beginning to point downward. GM pickup truck sales increased 43% last month and SUV demand increased 36%.\nSales of the auto maker’s Escalade luxury SUVs jumped 171% while its plug-in hybrid Chevrolet Volt, cited by President Obama in 2011 as an example of where the industry needed to head, fell 41% over the same period.\nNissan Motor Co. ’s Leaf electric car fell 14.5%, and Tesla Motors Inc. ’s Model S are estimated to have been flat, said analysts who project the Silicon Valley auto maker’s sales.\nFord Motor Co. notched the highest January sales for its F-series pickup trucks since 2004 despite supply limitations. The Dearborn, Mich., auto maker post a 15.6% gain for the month. Fiat Chrysler Automobiles NV’s rugged Jeep brand sold 51,523 vehicles, more than Volkswagen AG’s VW and Daimler AG ’s Mercedes-Benz brands combined.\nThe shift supports the business model for many of the auto makers doing business in the U.S. In most of the global auto industry outside of China, making money remains difficult, forcing many to continue relying on North America for most profits. The strong dollar has helped importers, including Fuji Heavy Industries Ltd. ’s Subaru and BMW AG earn fat margins on cars imported from Europe and Asia.\nAll these sales are generating jobs at U.S. auto plants that are humming at some of the highest capacity-utilization rates in the history of the industry. Success of models like Ford’s F-150 or Jeep’s Wrangler has prompted the hiring of tens of thousands of auto workers at domestic factories since the last contract with the United Auto Workers union was signed in 2011.\nChrysler on Tuesday said it would pay UAW workers $2,750 in profit-sharing for 2014, the highest for the auto maker’s blue-collar employees in several years. Ford last week said it would pay $6,900 in profit-sharing. GM will disclose its UAW payout when it announces fourth-quarter earnings on Wednesday.\nToyota Motor Corp., the world’s largest auto maker by sales, also reports earnings on Wednesday and against the backdrop of a steep increase for its three U.S. brands, which together rose 16% to 169,194 vehicles during the month.\n“Consumers feel good because more people are working, the U.S. economy is expanding and fuel prices are low,” GM sales chief Kurt McNeil said. GM’s average transaction prices hit $34,800 a vehicle in January, up $2,400 compared with year ago.\n“Low fuel prices provide a significant boost to consumer disposable income,” Ford economist Emily Kolinski Morris said. She noted low interest rates are also helping, and “are likely to remain a prominent feature of the near-term outlook.”\nWhile January’s industry tally was hot, it was a bit weaker than the headline numbers suggest due to one more selling day this time around. And, the comparison to January 2014 was further aided by the storms and cold spell that crippled large parts of the nation a year ago.\nThe annualized pace of sales increased 9% during the month, according to Autodata. If seasonal factors remain the same over the next 11 months, full-year sales would exceed 17 million for the first time in more than a decade.\nThe fundamentals of the industry remain strong, analysts and auto executives said. Auto makers, helped by plant closures and restructuring during the recession, are now in a far stronger position to manage fluctuations in production demands.\nFactory utilization, for instance, is at an all-time high, according to researcher WardsAuto.com, helped by recession-era plant closures and restructurings. That high utilization keeps unsold-car inventories in check, reducing the temptation to flood the market with vehicles no one wants to buy and lessening the need for large-scale discounts.\nAutomotive information provider Kelley Blue Book said transaction prices of new light vehicles overall are up 5% compared with a year ago to $33,993, although they fell 1.7% from December. TrueCar estimates average incentive spending, including rebates and discounts, was $2,642 during the month, up 3.6% over the same month a year earlier.\nAmong other major car makers, Nissan reported sales up 15% to 104,107 vehicles. Hyundai Motor Co. said its U.S. sales were up 1% over a year ago to 44,505 vehicles.", "domain": "economics"}
+{"url": "https://gvhsjaguarjournal.com/2019/03/13/how-to-pay-for-college-in-gv/", "date": "2023-09-29T13:26:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510516.56/warc/CC-MAIN-20230929122500-20230929152500-00167.warc.gz", "language_score": 0.9693025350570679, "token_count": 556, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__287463731", "lang": "en", "text": "By: Karina Zakarian\nAs a senior, it has been both exciting and arduous going through the college process, from filling out numerous applications to visiting campuses, auditioning for scholarships, and trying to determine the college or university that most closely reflects personal values and feels like a “second home”. One of the most challenging aspects to college revolves around finances, as quite a few schools have extremely high expenses, including tuition, room and board, as well as textbooks and other academic components. Parents often times have set limits to the amount of money they will provide their seniors for college, which can become a serious issue if those students apply and are accepted into very expensive colleges that they are interested in.\nAlthough this is not always the case and families can try to negotiate with schools to obtain further financial aid -especially in a wealthier, more privileged area like Garnet Valley-, one of the most effective ways in order to get more money to pay for college is through scholarships. Colleges all across the United States have varieties of scholarships, ranging from merit scholarships to talent scholarships to community service scholarships. Often times, these scholarships require an application to be filled out, and particularly with performing arts scholarships, students have to go back to the schools and audition in order to become a finalist and/or recipient of those specific talent scholarships; for instance, I have had to return to a couple of colleges in order to audition for dance scholarships. Sometimes with merit scholarships, certain schools in their applications on Common App, Coalition App, or another online program will automatically consider students for scholarship as long as they meet certain academic requirements.\nIn addition to the various scholarships that colleges offer, Garnet Valley High School and the surrounding township also offer an array of scholarships. Specifically, GV college and career specialist Mr. Salladino continuously sends out information to the senior class each year regarding various scholarships they can apply for. Recently, Mr. Salladino sent out an email to seniors highlighting some of the scholarships that students can apply for, including the GVHS Quarter Note Scholarship, the Leadership Service Spirit Award, the Sharon Bitzer Schreiber Memorial Scholarship, and the Vanessa Stroup Scholarship. Most of these scholarships are more merit-based; some of them are more restrictive towards those living in Garnet Valley, as they indicate that in order to apply one is in financial need.\nOverall, scholarships are a large part of the college process and can make tremendous differences in the amount of money that students and parents have to pay in the end. Whether students receive a few large scholarships or apply for and receive many smaller scholarships, these financial helpers will build upon one another and make college payments much more manageable by the time students choose the colleges they wish to attend.", "domain": "economics"}
+{"url": "https://www.wcbsask.com/news/wcb-announces-proposed-2020-average-employer-premium-rate", "date": "2024-04-25T04:22:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712297284704.94/warc/CC-MAIN-20240425032156-20240425062156-00743.warc.gz", "language_score": 0.94695645570755, "token_count": 648, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__183908269", "lang": "en", "text": "Regina, SK, Oct. 23, 2019 – The Saskatchewan Workers’ Compensation Board (WCB)’s 2020 proposed average employer premium rate will remain at $1.17 per hundred dollars of payroll. This is the same rate as in 2019. The announcement was made today in Prince Albert at the WCB’s annual rate setting meeting with Saskatchewan workers, employers and stakeholders.\n“After more than a decade of decreases to our average premium rate, the average rate will not drop in 2020. Instead, our expected average rate will remain the same as last year’s rate,” said the WCB’s CEO Phil Germain. “Although the proposed average premium rate hasn’t changed, two-thirds of employers will see an increase to their industry premium rate next year. The economy plays a factor in whether our payroll will increase or decrease. We’re also seeing a consistent number of serious injuries occurring annually, which impacts claims costs. When claims costs increase at a faster rate than payroll, this impacts premium rates.”\nClaims costs increased 7.62 per cent from 2017 to 2018. Contributing factors included increases in mental health claims costs, as well as a significant increase in the number of fatalities, which increased 78 per cent in 2018 compared to 2017. These types of claims that are more serious in nature require more, longer-term treatment and impact claims costs.\n“The WCB’s 2020 proposed average premium rate is 43 per cent below the 17-year high of $2.05 in 2004. Preventing injuries plays a part in determining premium rates. While over the last three years 88 per cent of employers have achieved zero workplace injuries, the leveling off of the premium rate indicates that there is still more work to be done,” said Germain. “Our compensation system is designed to ensure that our employers pay for the costs related to today’s claims. Premiums collected in a rate year cover the lifetime costs associated with the claims that happen in that year.”\nWith the 2020 rate proposal:\n- While Saskatchewan continues to have the third lowest premium rate in the country, premium rates for 67 per cent of employers will increase next year. The increases range from 0.8 per cent to 11.1 per cent.\n- Industry premium rates for 33 per cent of Saskatchewan’s employers covered by the WCB will see a decrease or no change for 2020. The decreases range from 0.7 per cent to 12 per cent.\n- The overall 2020 proposed average employer rate will remain at $1.17 per hundred dollars of payroll.\n“For more than a decade, we’ve seen Saskatchewan workers and employers commit to injury prevention in the workplace. Not only has this protected the wellbeing of workers and employers, but it has also influenced the rates employers pay,” said the WCB’s Board Chairperson Gord Dobrowolsky. “We cannot thank all of you enough for your injury prevention efforts. However, even with these advances, we all need to remain vigilant to keep 100 per cent of our workplaces injury-free.”", "domain": "economics"}
+{"url": "https://www.couponssnatcher.com/best-deals-at-costco-to-justify-that-membership-fee", "date": "2022-12-07T12:21:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711162.52/warc/CC-MAIN-20221207121241-20221207151241-00761.warc.gz", "language_score": 0.9399986267089844, "token_count": 459, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__98531232", "lang": "en", "text": "There are plenty of deals to find at Costco®, but shopping smart is the secret to saving the most cash. Read on to figure out how to find the best deals at the members-only wholesale giant, and maximize your membership.\nLearn the price codes Costco® uses\nSmart shoppers can tell if a product is a good deal by paying attention to the last digits of the price. Whether you rarely shop at Costco® or you’re there every day, it’s helpful to know these tips. If an item’s price ends in 99 cents, it’s the regular wholesale price. If a price ends in 97 cents, it’s the final discount price. This means that the item won’t get any cheaper. If the price sign has an asterisk on the upper-right corner, it means that the item won’t be restocked, so you may want to stock up.\nWatch out for rotating monthly sales\nIf your favorite brand of window cleaner isn’t on sale this month, it may be worth waiting for a few weeks to see if there’s an upcoming price reduction. It’s always good to wait until an item goes on sale since Costco® rotates which brands will be on sale just about every month.\nPrevent impulse buys by learning the layout of your local Costco®\nCostco® stores are organized in a way that forces shoppers to walk through as many aisles as possible. So, if you’re trying to stick to a budget, we recommend heading straight to the aisles you want. By doing this, you’ll optimize your next shopping trip and avoid unplanned purchases.\nBe sure to stock up on items after the holiday season\nThough many people try to give their credit cards a break after the holidays, you may actually score big discounts on items at Costco® if you shop during the first few weeks of January. Since Costco® gets many returns after the holidays, the returned items are usually discounted by 50% so that they’ll sell quickly. January is also a good time to stock up on seasonal decor due to post-holiday sales.", "domain": "economics"}
+{"url": "http://www.touchgotech.com/", "date": "2018-03-19T20:24:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-13/segments/1521257647146.41/warc/CC-MAIN-20180319194922-20180319214922-00135.warc.gz", "language_score": 0.8892713785171509, "token_count": 343, "dump": "CC-MAIN-2018-13", "global_id": "webtext-fineweb__CC-MAIN-2018-13__0__199706501", "lang": "en", "text": "TouchGo Technology Systems Limited (TouchGo) has developed the new generation of PC based Intelligent Vending Machines (IVM) incorporating a large 46\" touchscreen, internet connectivity, web camera for audience impression metrics, QR code scanner for mobile phone payment and other payment terminal devices.\nThis allows operators to control the vending machine remotely, over the internet, so that price changes, special offers, video advertising content etc. can be changed. The IVM provides cloud based reporting and telemetry information.\nCustomers interact with the machine via the touchscreen and can pay with contactless or contact debit/credit cards (no pin) or by PayPal or Ensygnia Onescan smartphone payment apps. The IVM can handle multiple purchases via a visual shopping basket system to ensure payment transaction costs are kept to a minimum.\nThe IVM software is fully developed and operational. TouchGo owns the intellectual property (IP) in the software code and has the necessary certifications and approval agreements with VISA and Mastercard to allow the use of contactless and contact (no pin) payments at the vending machine. The IVM is manufactured exclusively for TouchGo by our supplier partner in China. The supplier will also market the IVM directly into the Chinese market in a joint venture with TouchGo.\nThe TOUCHGO technology solution exists to transform processes in the Intelligent Vending Machine marketplace, create new revenue based services and provide a useful node of interaction with the consumer.\nTouchGo is in discussions with organisations in the fast growing coffee tower \"On the Go\" to provide its IVM software to enhance their proposition as effectively as possible\nTouchGo Technology Systems Ltd\nScience + Technology Centre\nUniversity of Reading", "domain": "economics"}
+{"url": "https://activismatlanta.com/emoryunite", "date": "2023-04-01T22:45:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296950363.89/warc/CC-MAIN-20230401221921-20230402011921-00304.warc.gz", "language_score": 0.9729683995246887, "token_count": 184, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__155913898", "lang": "en", "text": "Together, We Will Have a Voice in Our Workplace\nGraduate students at Emory and across the country are now legally recognized as employees. It should come as no surprise to all of us who work and study here; we know the essential duties we perform as teaching and research assistants. For decades, graduate student-employees at public universities have exercised collective bargaining rights, and have won significant improvements in their pay and benefits as a result.\nWe deserve a living wage, better benefits, and a voice in our working conditions. Instead, our stipends have failed to keep pace with the rising cost of living in Atlanta, the administration has chipped away at our health insurance, and we still do not have a binding employment agreement. We have the right to form a union and bargain as equals with the administration for a contract that improves our lives and strengthens Emory as a whole.", "domain": "economics"}
+{"url": "https://visarc.uk/news/bespoke-ev-running-cost-tool-for-hyundai-capital/", "date": "2023-01-27T22:07:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764495012.84/warc/CC-MAIN-20230127195946-20230127225946-00034.warc.gz", "language_score": 0.9072798490524292, "token_count": 354, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__70917180", "lang": "en", "text": "Visarc develops bespoke EV running cost comparison tool for Hyundai Capital UK\nHyundai Capital UK commissioned Visarc to create a modular electric vehicle (EV) running cost comparison tool that has been integrated within the websites of two of its finance brands. Visitors to Hyundai Finance and Kia Finance can now compare the cost of the fuel and road tax (VED) of a conventional diesel or petrol engine against an electric (EV) or plugin hybrid (PHEV) powertrain, and discover the potential cost benefits that can be made from switching to electric.\nThe last 12 months has seen the launch of several important new EV models across the Hyundai and Kia ranges. The modular EV calculator supports this commitment to bringing viable electric vehicles to the UK market. It allows consumers visiting the Hyundai Finance and Kia Finance websites to easily establish whether switching to electric power will be cost effective, based in their specific circumstances.\nandrew ockenden, senior account director at Visarc\nVisarc has designed, developed and installed, the EV running cost comparison tool which uses live data feeds to ensure data accuracy.\nabout Hyundai Capital UK\nHyundai Capital UK is a joint venture between Santander Consumer UK and Hyundai Capital Services Korea. Established in 2012 it provides retail finance solutions for Hyundai, Kia and Genesis Finance brands for the purchase of motor vehicles.\nVisarc specialises in the design and development of Umbraco CMS websites through to highly complex data driven solutions and bespoke systems. The agency’s focus is always to create the best user experience coupled with technical quality and rigorous build standards, backed by the reassurance that everything we do is developed in-house. To find out more about our digital solutions please get in touch.", "domain": "economics"}
+{"url": "http://www.thelavgroup.com/whats-home-worth/", "date": "2017-12-15T14:02:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948572676.65/warc/CC-MAIN-20171215133912-20171215155912-00252.warc.gz", "language_score": 0.9202610850334167, "token_count": 345, "dump": "CC-MAIN-2017-51", "global_id": "webtext-fineweb__CC-MAIN-2017-51__0__24791977", "lang": "en", "text": "The value provided below is estimated and based on public record and/or the county assessor’s data. Results are non-specific, system generated, and for broad estimation purposes only. If you would like a more specific evaluation of your home based on today’s current Market and additional details distinct to your property, please contact us for a Custom Market Analysis. We’d love to discuss your home’s current value – at no charge to you!\nWhat is a (CMA) comparative market analysis?\nA Comparative Market Analysis (CMA) is an evaluation of similar, recently sold homes (called comparables or comps) that are near a home or homes you wish to buy or sell. Buyers, sellers, or real estate agents perform a CMA report to establish and find a fair price range for a specific home. The price range from the CMA can then be used as a guide to establish an offer price or listing price. Would you like to have a better understanding of the current Market and value of your home? The Laviolette Group would love to discuss your home with you – at no charge to you! With years of experience in Central Indiana, you can feel confident that The Laviolette Group will provide you with a detailed and accurate information.\nThe process for doing a comparative market analysis includes:\nDefining criteria for selecting comparables in close range to the home\n- Determine a list of quality comparables\n- Evaluate the comparables within close range to the home\n- Adjust comparable values for differences in size, condition, location, amenities, etc\n- Estimate the ideal value of your target home based off the findings", "domain": "economics"}
+{"url": "https://blog.alternativeapparel.com/me-to-we-a-brand-we-love-empowering-women", "date": "2021-04-15T02:01:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038082988.39/warc/CC-MAIN-20210415005811-20210415035811-00466.warc.gz", "language_score": 0.9668288826942444, "token_count": 724, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__178816265", "lang": "en", "text": "In Kenyan Maasai culture, women are responsible for most of the hard work, including collecting water, tending to children and running the household, while only men were traditionally working outside the home. Until recently, women had little financial or social autonomy, even though according to Jewelry Designer Kessa Laxton, the women are \"incredibly resourceful, and they know how to make a lot happen with a little. They always think, ‘what do I have at my disposal, and how do I make it work?’ They come up with incredible results.”\nEmpowering women to work not only helps them contribute to their families financially but also allows them to be included in the decision-making within the family and the larger community. What has sparked the recent change empowering these women to find work? Rather, who is sparking the change? The newest Brand We Love ME to WE.\nME to WE is driven by the belief that economic opportunities are the best way to break the cycle of poverty and therefore works as a social enterprise. ME to WE Artisan pieces are beautifully handcrafted by more than 1,400 women in Kenya using the traditional skills passed down through generations. Each piece celebrates heritage art forms and provides artisans with income and the empowerment to become respected voices in the community. Every dollar a mother, or Mama, earns goes straight to her household, children and community.\n“Artisans is a true partnership between ME to WE and the Mamas; it’s been a process of building an incredible team, made possible by so many amazing people in Kenya and Toronto,\" says Roxanne Joyal, founder of ME to WE Artisans. However, it’s not all work and no play. According to Laxton, “the Mamas will burst into song at times, there's always a ton of laughter. Our design process is a wonderful cross-cultural exchange of women working together to create beautiful things.\"\nIn addition to financial independence, working with ME to WE also provides the Mamas with a creative outlet as well as an escape. “When we come here to bead and gather, we share ideas. We outgrow stress, forget our worries and focus on our work,” says ME to WE Artisan Mama Susan. Allowing the women to work together also creates a sense of camaraderie and community. Mama Toti loves working with her sister, because she's \"able to teach her, and learn from her. Together, we can teach our brothers and sisters, and our children, too.”\nWondering how you can get involved? With ME to WE’s Track Your Impact tool, you can see where your social impact is delivered each time you make a purchase. The code generated from each purchase connects the dots directly to the community you help empower.\nSo what’s next for ME to WE Artisans? They are excited to expand to Ecuador and empower even more women to share their cultural traditions with the world. In the remote indigenous communities in Ecuador’s Andes and Amazon regions, there are limited opportunities to earn an income, with many families living on less than $2 a day. This program empowers women to earn a sustainable income close to home. Each woman also gains access to entrepreneurship workshops, small business training and mentorship from expert local artisans.\nShop ME to WE, and style with purpose with one-of-a-kind handmade pieces. When you wear ME to WE, you make a statement heard around the world.", "domain": "economics"}
+{"url": "https://joeljoy.net/real-estate-market-update/", "date": "2024-04-13T08:14:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816586.79/warc/CC-MAIN-20240413051941-20240413081941-00359.warc.gz", "language_score": 0.9419451951980591, "token_count": 485, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__175251058", "lang": "en", "text": "As of the latest analysis on the real estate market, here are some key insights.\n1. Housing Demand:\nDespite economic uncertainties, the housing market continues to show resilience and strong demand. Factors such as low mortgage rates, millennials entering the market, and a desire for more space due to remote work have all contributed to the high demand for housing.\n2. Seller’s Market:\nThe current market remains favorable for sellers due to limited inventory. The low supply of available homes has led to increased competition among buyers, resulting in multiple offers and bidding wars. This situation has driven up home prices in many areas.\n3. Urban to Suburban Shift:\nThe COVID-19 pandemic has prompted a noticeable shift in preference from urban to suburban areas. Families and individuals are seeking larger homes with more outdoor space. Suburbs are attracting buyers due to better affordability, lower population density, and a desire for a less crowded lifestyle.\n4. Remote Work Impact:\nThe increasing prevalence of remote work has influenced real estate trends. Work-from-home arrangements have allowed individuals to prioritize factors like affordability, quality of life, and access to amenities when choosing their homes. This has caused a surge in interest for properties in areas with a suitable work-from-home environment, such as home offices or nearby co-working spaces.\n5. Investment Opportunities:\nReal estate investments remain a viable option, attracting investors looking for stable returns. The rental market has shown resilience, particularly in suburban areas where demand for rentals has increased. Investors are focusing on properties that cater to remote workers and offer amenities such as outdoor spaces or communal work areas.\n6. Technology Adoption:\nThe real estate industry is embracing technology at an accelerated pace. Virtual tours, online transactions, and digital marketing have become integral parts of the home buying and selling process. Real estate professionals who adapt to these innovations are better positioned to succeed in this ever-evolving market.\nIt’s important to note that the real estate market can vary significantly depending on the location. Therefore, it is always advisable to consult with a local real estate professional to better understand the specific dynamics of your area.\nOverall, the real estate market remains robust, driven by unique market conditions and evolving buyer preferences. As the economy continues to recover, it will be intriguing to observe how these trends develop further in the coming months.", "domain": "economics"}
+{"url": "https://www.kohlimortgages.ca/index.php/articles/viewarticle/1355/the-lowdown-on-appraisals", "date": "2024-04-19T11:46:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817398.21/warc/CC-MAIN-20240419110125-20240419140125-00341.warc.gz", "language_score": 0.9425772428512573, "token_count": 653, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__178031607", "lang": "en", "text": "Recent News Articles\nYou are my No. 1 Priority!\nThe lowdown on appraisalsPosted on: 2021-11-01\nThe lowdown on appraisals\nWhether you’re purchasing a new home or want to complete a refinance of your current mortgage, it’s important to understand the role of the home appraisal and how it can impact the outcome of your mortgage application.\nAfter you submit an application, your lender may require an appraisal, which is simply an unbiased determination by an accredited independent appraiser of the market value of the property your lender will be financing.\nWhen you purchase a home, your lender wants to be sure that the home’s selling price is an accurate representation of the home’s condition and neighbourhood, and that you are not borrowing more than what the home is worth. The lender also wants to be sure the property meets its lending guidelines.\nWhen you refinance your mortgage for debt consolidation or to access funds for other needs, the appraisal will be used by the lender to determine the amount of funds that you can borrow since you can only refinance a set amount, up to 80% of your home’s appraised value.\nWhen switching your mortgage to a new lender at renewal to get a better rate or terms, the appraisal is required to verify the property’s value.\nTo complete the appraisal process, an appraiser typically visits the home to get the information needed. The appraiser will also analyze market comparables and then provide the lender with a written opinion of the property’s value. If the appraised value is sufficient, your mortgage approval is finalized assuming all other conditions have been met. The cost is often passed along to you, typically forming part of your closing costs.\nWhat’s important for you?\n- In many bidding war situations, some buyers are paying over asking but the appraiser may determine that the property has a lower value, which could affect your financing and require you to increase your downpayment, particularly if you are right at 5 or 20% down.\n- A hot housing market also means that appraisers are very busy so be careful with quick closings. It may not be possible to get the appraisal done in time.\n- The lender is the appraiser’s client, not you, so the appraisal is sent to the lender and only discussed with them.\n- When a realtor gives you an evaluation of a property’s value, that should not be considered an appraisal for financing purposes.\n- A home inspection is not the same as an appraisal. A home inspection is often a condition of a purchase and is done to protect the homebuyer. A qualified home inspector assesses the physical condition of the home and its major systems to help you determine if everything is in good working order, and what repairs are needed and by when.\nAs always, please get in touch at any time if you have any questions regarding a home purchase, refinance, or a switch at renewal. It’s always a good idea to get advice well in advance of the mortgage financing process so you know what to expect and are fully prepared.", "domain": "economics"}
+{"url": "https://hernet.news/?p=3928", "date": "2024-04-13T00:33:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816465.91/warc/CC-MAIN-20240412225756-20240413015756-00774.warc.gz", "language_score": 0.8904647827148438, "token_count": 641, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__78879312", "lang": "en", "text": "As Bangladesh strides into the fiscal year 2024-25, the spotlight turns towards the nation’s commitment to battling climate change through a significant transition to renewable energy sources. With the globe grappling with environmental crises, the newly elected government faces the monumental task of fostering a sustainable and green energy landscape. In anticipation, the Centre for Policy Dialogue (CPD) has outlined a series of fiscal and budgetary recommendations aimed at galvanizing Bangladesh’s clean energy sector.\nAmid concerns over the underfunding of renewable energy projects, the CPD’s proposals highlight the urgent need for enhanced budget allocations and an increase in renewable energy initiatives. Despite ambitious national goals set for 2041, renewable energy projects have received a meager 2.47 percent of the Annual Development Programme (ADP) allocation for FY2023-24, significantly undermining the country’s clean energy aspirations. The CPD calls for the government to prioritize renewable energy in its budget, specifically focusing on solar photovoltaic power plants and coastal transmission system upgrades.\nTax incentives emerge as a critical lever for stimulating green energy investments. The current tax regime disproportionately favors fossil fuel ventures, creating financial barriers to the adoption of renewable technologies. By extending tax holidays for renewable projects and reducing duties on solar power-related accessories, the government can create a fertile ground for sustainable energy solutions.\nAddressing the automotive sector, the CPD suggests a strategic revision of duty structures to discourage the import of reconditioned Internal Combustion Engine (ICE) vehicles, favoring instead hybrid and electric vehicles (EVs). This move not only aligns with global trends towards cleaner transportation options but also addresses local concerns over air quality and energy efficiency.\nThe EV market, in particular, faces challenges from a tax system that inadvertently hampers affordability and widespread adoption. A reassessment of the annual tax structure for EVs and a substantial reduction in the total tax incidence (TTI) for EV imports are recommended to make electric mobility a viable option for the Bangladeshi populace.\nIn the realm of agriculture, the CPD emphasizes the transformative potential of solar irrigation pumps (SIPs), advocating for a unified tax strategy to reduce the TTI and encourage their adoption. This strategy not only promises to lower operational costs for farmers but also contributes to the national clean energy quota.\nMoreover, the textile sector, a cornerstone of Bangladesh’s economy, stands to benefit immensely from the adoption of rooftop solar systems. However, prohibitive import duties and taxes on solar products stifle growth in this area. The CPD urges the government to reassess these duties, thereby unlocking the potential for substantial fiscal savings and contributing to the nation’s energy independence.\nAs Bangladesh prepares its budget for the upcoming fiscal year, the CPD’s recommendations present a roadmap for accelerating the transition to a green economy. The government’s proactive engagement in clean energy financing and policy reform could indeed mark a new chapter in Bangladesh’s journey towards sustainable development and climate resilience. The eyes of the nation and the world are on the policymakers, waiting to see if they will rise to the challenge and embrace the green future that Bangladesh aspires to.", "domain": "economics"}
+{"url": "https://vloak.com/introduction", "date": "2024-04-15T21:04:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817033.56/warc/CC-MAIN-20240415205332-20240415235332-00451.warc.gz", "language_score": 0.912453830242157, "token_count": 590, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__185983663", "lang": "en", "text": "Published 20 Feb 2024\nIn the bustling world of e-commerce, Dutch-based Vloak stands out as a beacon of innovation and efficiency. Born from the need to simplify the increasingly complex online business landscape, Vloak offers a singular, comprehensive platform that integrates various essential e-commerce functions into one streamlined service. This revolutionary approach is transforming how online merchants manage their businesses, making Vloak the go-to solution for a seamless e-commerce experience.\nThe inception of Vloak is rooted in a simple yet profound realization: modern e-commerce is cluttered with numerous software solutions, each addressing different aspects of the online selling process. This fragmentation not only complicates operations but also hinders efficiency. Vloak's founders, hailing from the Netherlands - a hub of innovation and forward-thinking - envisioned a platform that consolidates these disparate tools into a single, cohesive system. The result is a platform that redefines convenience and effectiveness in online commerce.\nVloak's suite of features is meticulously designed to cater to every need of an online merchant. At its core, the platform offers a robust checkout builder, allowing businesses to create a checkout experience that reflects their brand and meets their customers' expectations. Beyond this, Vloak integrates server tracking solutions compatible with major platforms like Meta and Google GA4, ensuring that merchants have precise insights into their marketing efforts and customer behaviors.\nAdditionally, Vloak bridges the gap between e-commerce and email marketing. With seamless integration with tools like Klaviyo, merchants can effortlessly synchronize their marketing campaigns with their sales data, enabling targeted, effective marketing strategies.\nOne of Vloak's standout features is its direct integration with various payment service providers. This integration simplifies the payment process, making transactions smoother for both merchants and customers. Furthermore, Vloak is adept at managing both one-off purchases and subscription models, a crucial feature in today's diverse e-commerce landscape.\nUnderstanding sales data is crucial for any business. Vloak offers comprehensive sales tracking and management tools, providing merchants with detailed overviews of their orders. Various dashboard filters allow for tailored analysis, giving businesses the power to make informed decisions based on real-time data.\nIn today's global market, catering to a diverse customer base is key. Vloak's multilingual checkout builder ensures that businesses can reach customers worldwide, breaking language barriers and expanding their market reach.\nVloak is more than just a software platform; it's a comprehensive e-commerce solution that empowers merchants to manage their online businesses with unprecedented ease and efficiency. By consolidating multiple tools into one platform, Vloak not only streamlines the e-commerce process but also enhances the overall online shopping experience. As the e-commerce world continues to evolve, Vloak stands ready to lead the charge, offering a future-proof solution for today's dynamic online marketplace.", "domain": "economics"}
+{"url": "http://www.amglobal.com.sg/", "date": "2017-05-01T04:18:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917127681.50/warc/CC-MAIN-20170423031207-00273-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.8879595398902893, "token_count": 141, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__31122035", "lang": "en", "text": "Welcome to AM Global Pte Ltd, your dependable partner in freight forwarding. Incorporated in 2009, AM Global has established itself as a onestop integrated freight forwarding company in Singapore, specializing in handling loose and bulk commercial cargoes.\nWe have a comprehensive range of multi-modal freight forwarding services via ocean, air and land for all loose container load and full container load cargoes.\nFrom consultation to execution, AM Global offers you the peace of mind in ensuring your full delivery of any cargo through our agile and flexible team of professionals.\nCall us today for custom matters, freight costs, port charges, cost of special documentations and our handling fees, under no obligations.", "domain": "economics"}
+{"url": "http://www.thclinic.org/family_housing_program.php", "date": "2016-06-28T22:09:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-26/segments/1466783397213.30/warc/CC-MAIN-20160624154957-00102-ip-10-164-35-72.ec2.internal.warc.gz", "language_score": 0.9399767518043518, "token_count": 1125, "dump": "CC-MAIN-2016-26", "global_id": "webtext-fineweb__CC-MAIN-2016-26__0__103698118", "lang": "en", "text": "In 2007, THC started a Family Housing Program that provides short-term rent subsidies and support services to assist families with finding and obtaining more adequate housing. Eligible families include families living in SRO units in San Francisco and families at risk for eviction due to living in overcrowded circumstances in the Tenderloin District of San Francisco.\nWho is eligible? Families!\n- A family is defined as at least one adult who is 18 years or older and one child younger than 18 living in the same household. Eligible families include families currently residing in SRO hotel units in the City of San Francisco and families living in severely overcrowded conditions in the Tenderloin district of San Francisco.\n- After being referred to the program, each family must apply in-person for the program to determine if they meet additional requirements. These requirements include creating a mandatory financial plan to increase the family's income at the point of intake to demonstrate the capacity to transition off the subsidy, verification of income and tenancy, and ensuring that the rent burden (including the subsidy) will not exceed 50% of the family's gross income.\nAfter acceptance into the program, a family is assigned to a Family Case Manager. THC Family Case Managers are fluent in Spanish, Mandarin, and Cantonese, and the family will be assigned based on language needs. THC Family Case Management services are mandatory, and each family meets on a bimonthly or monthly basis with their Family Case Manager.\n- Assistance with the housing search, including repairing credit ratings, unit inspection, obtaining funds for the security deposit, and emergency rental funds, if needed.\n- Referrals to employment assistance and job-training programs, childcare assistance, education, legal assistance, referrals for assistance with substance abuse and mental health services, and any other services that the family identifies in order to assist them in transition off the subsidy.\n- Community events and social gatherings.\n- Goal-oriented 1:1 case management services with THC staff.\nThe Family Housing Program subsidy is a short-term subsidy of up to $500.00 per month for one year with extensions up to a maximum of two years. After the subsidy ends, the family pays the full portion of the rent.\nAfter placement into the program, families conduct a housing search with the assistance of their Family Case Manager. All units are on the private market or are below-market rate units, and each unit is inspected by THC staff prior to move-in to ensure HUD standards and occupancy standards. Almost all families choose to reside in San Francisco, but the subsidy can be administered to units in the East Bay, Marin, or the Peninsula if a family chooses.\nWhen a unit is secured, the family brings their portion of the rent each month to the THC Housing Department at 472 Turk Street where it is combined with the subsidy into one check and given to the landlord. Client rents are tracked each month in a database with THC\nThe family's portion of the rent must be at least 30% of their income but no more than 50% of their income. The subsidy may be reduced if a family's income goes up permanently, and it may be raised if a family is receiving less than the full subsidy and their income goes down.\nHow to apply:\nThe Family Housing Program is located at 398 Eddy Street (cross street is Leavenworth Street). Families may be referred by an agency or may self refer.\n(415) 345-9290 x102\nIf you are a landlord and wish to work with the Family Housing Program, please contact the Family Housing Program Manager at (415) 336-7713. THC does not enter into a lease with any landlord; the responsibility of the lease is always with the family.\nLandlords that have worked with the Family Housing Program in the first year include:\n- Mosser Companies\n- Centerstone Realty\n- Makras Realty\n- Levy and Company\n- MAG Management\n- John J. Dito and Sons\n- Hogan and Vest\n- Victory Realty\n- RMD Services\n- West Coast Property Management\n- Post Street Apartments\nA number of private single-owner landlords in San Francisco also work with the Family Housing Program.\nFrequently Asked Questions:\nQUESTION: I am not residing in an SRO or in overcrowded conditions in the Tenderloin. What should I do if I am part of a family who is homeless or transitionally housed? Hamilton Family Center and Compass Community Services both have rental subsidy programs that assist families who are homeless, in a shelter, or at risk for eviction.\nANSWER: Contact First Avenues with Hamilton Family center at (415) 292-9930, extension 328.\nContact SF Home with Compass Community Services at (415) 644-0507.\nQUESTION: Can I use the subsidy to live in a shared living situation?\nANSWER: No. The subsidy can only be used to rent an individual unit for the family.\nQUESTION: I make more than 50% of the Area Median Income (AMI). Am I eligible for the program?\nANSWER: No. Only families who make 30% (extremely low-income) or 50% (very low-income) of the area AMI are eligible to apply.\nQUESTION: I do not currently have custody of my child. Am I eligible to apply?\nANSWER: Yes, as long as there is a documented reunification plan to gain custody of the child when the subsidy starts.", "domain": "economics"}
+{"url": "https://www.cityplusnetwork.co.uk/post/the-challenges-facing-mortgage-advisers-in-2023", "date": "2024-02-26T17:01:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474661.10/warc/CC-MAIN-20240226162136-20240226192136-00862.warc.gz", "language_score": 0.9570143222808838, "token_count": 1214, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__106593762", "lang": "en", "text": "The mortgage market is facing a number of challenges in 2023, and mortgage advisers need to be prepared to adapt.\nOne of the biggest challenges is rising interest rates. The Bank of England has already raised interest rates several times in 2022/23, and there is speculation that they could rise further in 2023. This could make it more difficult for people to afford mortgages, and could also lead to a decline in the number of mortgages being approved.\nAnother challenge is the cost of living crisis. The cost of living in the UK is rising at a rapid pace, and this is putting a strain on household budgets. This could make it more difficult for people to save for a deposit, and could also lead to people having to remortgage at a higher rate.\nThe COVID-19 pandemic is still ongoing, and this is creating uncertainty in the mortgage market. Lenders may be more cautious about lending money, and this could make it more difficult for people to get a mortgage.\nIn addition to these challenges, mortgage advisers are also facing increasing competition from online lenders and other financial services providers. This is making it more difficult for mortgage advisers to attract and retain clients.\nSo, what can mortgage advisers do to ride the storm?\nHere are a few tips:\nStay up-to-date on the latest changes in the mortgage market. This includes changes in interest rates, lending criteria, and regulations. Mortgage advisers need to be aware of the latest trends in the mortgage market so that they can advise their clients on the best options available.\nFocus on providing excellent customer service. This means being responsive to clients' needs, providing clear and concise information, and going the extra mile to help them find the best mortgage deal. Mortgage advisers need to build relationships with their clients and earn their trust. They should be available to answer questions and provide support throughout the mortgage process.\nEmbrace technology. There are a number of technology tools that can help mortgage advisers streamline their business and provide better service to their clients. These tools can help advisers to automate tasks, track their progress, and communicate with clients more effectively.\nNetwork with other mortgage advisers. This can help you stay up-to-date on the latest trends in the mortgage market, and it can also help you attract new clients. Mortgage advisers should join professional associations and attend industry events to network with other advisers.\nIn addition to these tips, here are some other things that mortgage advisers can do to position themselves as valuable and trusted advisors in the ever-changing mortgage market:\nSpecialise in a particular area of the mortgage market. This could be helping first-time buyers, remortgaging customers, or providing specialist advice to borrowers with complex financial circumstances. By specializing, mortgage advisers can become experts in their field and attract more clients.\nOffer value-added services. This could include providing free mortgage calculators, access to market insights, or financial planning advice. By offering value-added services, mortgage advisers can differentiate themselves from their competitors and provide more comprehensive advice to their clients.\nBecome a trusted advisor. This means building relationships with clients and providing them with the support they need to make informed financial decisions. Mortgage advisers should be seen as trusted advisors who can help clients achieve their financial goals.\nBy following these tips, mortgage advisers can position themselves as valuable and trusted advisors in the ever-changing mortgage market.\nHere are some additional practical tips for mortgage advisers:\nBe organised and efficient. This will help you to keep track of your clients and the mortgage process.\nBe clear and concise in your communication. This will help your clients to understand the mortgage process and make informed decisions.\nBe patient and understanding. The mortgage process can be complex and time-consuming, so it is important to be patient with your clients.\nBe professional and ethical. This will help you to build trust with your clients and maintain your reputation.\nBy following these tips, mortgage advisers can provide excellent service to their clients and ride the storm in the mortgage market.\nCityplus Network: Supporting mortgage advisers\nCityplus Network is a leading mortgage advice network that provides support to mortgage advisers across the UK. Cityplus Network offers a range of services to help advisers succeed in the ever-changing mortgage market.\nSome of the ways that Cityplus Network supports mortgage advisers include:\nAccess to a wide range of lenders: Cityplus Network has access to a wide range of lenders, which gives advisers the ability to find the best deal for their clients for mortgages, bridging, commercial, 2nd charges, protection, PMI, Business Protection, Business Finance etc.\nExpert training and support: Cityplus Network offers expert training and support to help advisers stay up-to-date on the latest mortgage market trends and regulations.We also have mentoring free of charge.\nMarketing and business development support: Cityplus Network provides marketing and business development support to help advisers attract new clients and grow their businesses.\nA strong community of advisers: Cityplus Network is a strong community of advisers who can share ideas, support each other, and learn from each other.\nIf you are a mortgage adviser, Cityplus Network can help you succeed in the mortgage market. With their range of services and support, Cityplus Network can help you find the best deals for your clients, stay up-to-date on the latest market trends, and grow your business.\nHere are some additional benefits of joining Cityplus Network:\nYou will be part of a leading mortgage advice network with a strong reputation.\nYou will have access to a wide range of resources and support, including expert training, marketing materials, and business development advice.\nYou will be able to network with other mortgage advisers and share ideas and best practices.\nYou will be able to offer your clients a wider range of mortgage products and services.\nIf you are a mortgage adviser looking for support and resources to help you succeed, I encourage you to learn more about Cityplus Network.", "domain": "economics"}
+{"url": "http://fnuniv.wordpress.com/2010/02/21/education-is-the-key/", "date": "2013-06-19T11:25:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368708711794/warc/CC-MAIN-20130516125151-00007-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9554008841514587, "token_count": 229, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__131144879", "lang": "en", "text": "From an opinion piece by Shawn Atleo, National Chief of the Assembly of First Nations, in the Globe and Mail of Sunday, February 21, 2010.\nOur agenda is about building strong First Nations that will see Canada fulfill its economic potential. The centre of this agenda is education. First Nations youth are the youngest and fastest-growing segment of our population. Their share of the labour force will triple over the next 20 years. First Nations youth who complete high school are twice as likely to be employed, and those who get university degrees triple their earning potential. Increasing their graduation rates to match those of other Canadians would inject an additional $71-billion into Canada’s economy over the next 10 years. This would help eliminate the employment gap, adding another $160-billion to the economy over a 10-year period.\nEvery other education system in Canada has a secure, legislated base for funding. First Nations education is not secure and is subject to policy change, reallocations and reductions. This is not acceptable – we seek a commitment to a sustainable funding framework.\nRead the full piece in the Globe and Mail.", "domain": "economics"}
+{"url": "https://tamilweek.com/news-features/archives/1085", "date": "2018-10-22T13:29:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583515041.68/warc/CC-MAIN-20181022113301-20181022134801-00221.warc.gz", "language_score": 0.9490370154380798, "token_count": 1689, "dump": "CC-MAIN-2018-43", "global_id": "webtext-fineweb__CC-MAIN-2018-43__0__92162443", "lang": "en", "text": "Speech by the Chief Guest, Robert Gabor at the ANC University College Official Launch of University of Missouri and Northwood University Bachelor Degree Programs – July 11, 2007\n[Economic Officer Robert Gabor, delivers his speech]\nMr. Jagath Alwis, honorable deans, CEOs, colleagues and friends,\nIt is an honor to be here today to launch the Northwood and University of Missouri degree programs at American National College. I am proud to represent the U.S. Embassy to applaud ANC University College and its partners for providing these valuable new management, psychology, and information-technology programs.\nThese programs will enhance career prospects for Sri Lankan students. They will strengthen the human resources base that is essential for the Sri Lankan economy. And they will improve the educational and economic ties between the U.S. and Sri Lanka. So they are really a great addition to the local educational landscape.\nWhy are such programs so important? Because knowledge means economic power.\nIn today’s global economy, a country’s competitiveness depends on its citizens’ capacity to use knowledge and technology to create efficiency. CEOs of Fortune 500 companies say that to compete in the global marketplace they need college graduates who know math, science, and languages, and who have strong problem-solving skills. Basic credentials like the O-level and A-level are not enough to ensure success in the workplace. Fully 90% of the fastest-growing jobs require post-secondary education or training.\nSo, to prosper, a country needs a great higher education system. Investment in education yields a tremendous return. Educated graduates get better jobs. Trained workers enable companies to compete successfully in regional and global markets. And creative, empowered individuals become entrepreneurs who create new jobs.\nSo, let’s consider for a moment how the ANC-University College augments post-secondary education in Sri Lanka.\nAll of us here today believe that Sri Lanka has the potential to play a leading role in the Asian 21st century. Northwood and UMR certainly believe that, and are doing their part to make it happen. Every nation, including Sri Lanka, faces the challenge of how to adapt its educational system to the evolving needs of both the local and global economy. The presence of Northwood and UMR show that Sri Lanka is starting to adapt. But it needs to keep on adapting so it doesn’t get left behind.\nMost of you have heard the alarming statistic that 85% of Sri Lankan youth who qualify for university are not admitted because the university system lacks capacity to accept them. That is a tragic loss for the 100,000 A-level graduates a year who miss out on higher education. But it is also a crippling loss for Sri Lanka.\nDespite this, Sri Lanka is a rapidly modernizing economy. Services account for half of Sri Lanka’s gross domestic product. That means its people are Sri Lanka’s critical asset. Not surprisingly, in a service economy, one of the most promising sectors for growth is Information Technology, along with IT-enabled Business Process Outsourcing.\nYet, Sri Lanka’s IT leaders report they are constrained by the short supply of qualified employees. Staffing the nascent IT sector will be one of Sri Lanka’s most important challenges over the coming decade. IT firms here such as h Senid and Zone 24×7 are developing globally-competitive software solutions and providing high-end back office services. But to grow and compete, they need a steady stream of graduates equipped with relevant management and IT skills.\nI can think of three ways the ANC program helps ensure that the education system here produces those graduates: Through public-private partnerships, international exchanges, and private institutions.\nPartnerships among the government, the university system, labor and industry can make enormous advances are the surest way to create a more relevant and flexible education system in Sri Lanka.\nHow? Take the case of students here who graduate with degrees from the Faculty of Arts. A large percentage of them subsequently struggle to find a job. To remedy that problem, universities should partner with businesses to establish fellowship programs, internships, and on-the-job training to turn out the trained labor that Sri Lankan companies want to hire. Programs that integrate work and training can serve the needs both of students embarking on their initial course of study and of experienced workers in mid-career.\nEfforts like this have already begun to prove their value here. For example Virtusa, a dynamic American IT company with offices in Colombo, collaborates closely with the prestigious Peradeniya and Moratuwa Universities. Virtusa invites university staff to attend its in-house IT and management courses. Virtusa also sends some of its best technical experts to teach courses at the universities. Further, the company sponsors and supervises research projects that provide real world challenges for students to tackle. As a result, the grads Virtusa hires are ready to be productive right from the start.\nLikewise, UMR embraces this concept. Nearly 2/3 of UMR students complete a co-op, internship or personal research project before they graduate. UMR’s emphasis on students gaining practical work experience as part of their studies is a major reason why over 95% are either enrolled in graduate school or have accepted a job within three months of graduation. UMR grads can expect to be hired by America’s top employers, with starting salaries well above the national average.\nAnother way ANC improves the relevance of higher education in Sri Lanka is by increasing the number of international study-exchanges for both students and professors. International business majors need to understand the complex forces of globalization, and a good way to enhance that understanding is by studying abroad. Business and IT skills are not constrained by physical borders. Just look at Northwood, which has over 825 international students from 70 countries benefiting from over 100 international articulation agreements and studying at 5 overseas sites. Northwood’s overseas programs provide its students with exposure to a wide range of international business — from marketing in France, to manufacturing in Thailand, to managing natural resources in Costa Rica.\nA final way ANC strengthens higher education in Sri Lanka is by leading the way for foreign universities to come here and partner with local institutions or even operate on their own. I understand that the concept of private or semi-private education at the university level is controversial here, but I think that over time the ANC model will show that competition raises the level of all public and private sector schools.\nANC is a perfect example of how a local, private firm like Ceylinco can make an investment that creates a first-class educational degree program at no cost to the government and no threat to the public universities. That is the power of private investment in the education sector.\nWhat makes ANC’s programs unique among educational options here is that ANC offers the only fully accredited American degrees in Sri Lanka. Those American degrees are recognized and respected around the world. ANC offers a career-focused program that ensures its students are taught and mentored by internationally-educated professors and business leaders. Along the way, ANC students gain meaningful work experience; give back to the community, and learn how to lead. ANC is investing in Sri Lanka’s future by investing in its people today.\nTo conclude, the United States’ diverse and extensive higher education system gives Americans the skills to compete and succeed at home and abroad. American universities are a pre-eminent factor in the competitiveness of our economy. Sri Lankan students deserve the same opportunities. With ANC and its programs, that is just what they will get, through the private sector-led model that has been so successful in the U.S. and other countries.\nSo, looking forward, in four years, when the new batch of ANC University College students get their degrees from Northwood and UMR, they will be among the most qualified students of their generation. I am confident that their skills and experience will demonstrate the value of the innovative approach to international business education that ANC, Northwood, and UMR are bringing to Sri Lanka.\nI congratulate you and wish you every success with this great program.\n[Courtesy: Embassy News, U.S. Embassy Sri Lanka, Colombo]", "domain": "economics"}
+{"url": "http://www.mandwmarine.com.au/about.jsp", "date": "2013-05-22T22:20:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368702452567/warc/CC-MAIN-20130516110732-00055-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9723697900772095, "token_count": 325, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__169073", "lang": "en", "text": "In the Beginning\nM & W Marine Servicing was established in 1977 and was bought by the present owner, Robert (Bob) Oomen in 1985. At the time of purchase the focus of the business was on servicing and wrecking outboard engines, specifically those on \"trailerable\" boats, that is, boats that are small enough to be loaded onto trailers and pulled by a standard domestic vehicle. Inboards, stern drives and outboards fixed to boats too large to be trailed without special arrangments were usually not part of the custom of this business and this continues to be the case.\nServicing and Wrecking are Not Enough\nWrecking outboard motors, that is, purchasing an old or damaged motor to strip it of usable parts to sell second-hand or use in the servicing side of the business, has been a vital part of the business from the start. However, it became apparent that in order to improve turn-around times on jobs for customers, M & W Marine needed to own stocks of spare parts in the major brands. In 1994 the opportunity arose to purchase a major holding in OMC (now Bombardier) and Mercury and the new spare parts side of M & W Marine Servicing came into being. From there it was an obvious step from selling second-hand parts to supplying both new and used parts. From holding what we need for our own use, the spare parts side has grown until supply of new parts by mail order across Australia is now the bigger part of the business of M & W Marine Servicing, complemented by the wrecking and servicing.", "domain": "economics"}
+{"url": "https://www.kemenylaw.com/post/nj-ag-files-complaint-against-shipping-and-logistic-companies-over-misclassification-of-drivers", "date": "2024-02-23T03:20:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474360.86/warc/CC-MAIN-20240223021632-20240223051632-00293.warc.gz", "language_score": 0.9540206789970398, "token_count": 1105, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__170068099", "lang": "en", "text": "The New Jersey Attorney General’s Office announced that the first lawsuit has been filed under N.J.S.A. 34:1A-1.12, a new law that allow the New Jersey Department of Labor and Workforce Development Commissioner to suit in Superior Court against employers who misclassify workers as independent contractors.\nThe complaint was filed on December 11, 2023, against shipping and logistics companies STG Logistics and STG Drayage. It seeks to stop the misclassification of more than 300 drivers as independent contractors and to recover millions of dollars in back wages, penalties and fines, according to a press release.\nThe power to bring the action such is the result of legislation signed by Gov. Phil Murphy that came into effect in 2021, and enhanced the state’s power to curtail misclassification of workers. The new law includes the power to bring actions in Superior Court and increase penalties for misclassification and enhance authority to issue stop-work orders, according to the news release.\nThe complaint alleges that the defendant shipping and logistic companies:\na) Unlawfully deducted millions of dollars from their drivers’ pay, instead of paying those monies to the drivers, in violation of New Jersey’s Wage Payment Law (“WPL”), N.J.S.A. 34:11-4.4 and N.J.S.A. 34:11-4.2;\nb) failed to pay their drivers the minimum wage, in violation of New Jersey’s Wage and Hour Law (“WHL”), N.J.S.A. 34:11-56a4;\nc) failed to maintain records of hours worked and wages paid to their drivers, and failed to produce those records to the Department of Labor and Workforce Development’s Division of Wage & Hour Compliance, in violation of the WHL, N.J.S.A. 34:11-56a20;\nd) failed to make sick time available to their drivers in violation of New Jersey’s Earned Sick Leave Law (“ESLL”), N.J.S.A 34:11D-5;\ne) failed to provide all Drivers with workers’ compensation coverage, leaving them without access to medical treatment and temporary and permanent benefits if they were injured on the job, in violation of New Jersey’s Workers’ Compensation Law (“WCL”), N.J.S.A. 34:15-71;\nf) failed to make required contributions to the Unemployment Compensation Fund and State Disability Benefits Fund, in violation of New Jersey’s Unemployment Compensation Law (“UCL”), N.J.S.A. 43:21-7, leaving the Drivers at risk of being found ineligible for unemployment, disability, and family leave insurance and depriving the State funds of millions of dollars; and g) failed to make required contributions to the Workforce Development Partnership Fund and Supplemental Workforce Fund for Basic Skills, in violation of the Employment and Workforce Development Act (“EWDA”), N.J.S.A. 34:15D-1 to -34, thus depriving their employees of the ability to benefit from training and other workforce development programs; and\ng) hindered the Department of Labor and Workforce Development’s investigation into this matter, in violation of the WHL, N.J.S.A. 34:11-56a22.\nIn a press statement released by the New Jersey Department of Labor and Workforce Development, Commissioner Asaro-Angelo stated, “Companies illegally profiting through corrosive business models at the expense of hardworking employees have been put on notice. We are proud to have the strongest worker protection laws in the country, which also safeguard employers who play by the rules. Misclassifying employees will not be profitable, nor overlooked.” The Department of Labor is claiming that by misclassifying its employees, the defendants justified paying their truck drivers less than New Jersey’s effective minimum wage and that, in some instances, deductions from the drivers’ pay totaled more than their gross pay, resulting in negative net pay being calculated for some of their pay periods.\nThe press release said that workers are presumed to be employees under most New Jersey labor laws unless a business can show that workers are independent contractors under the “ABC test.” To meet this standard, the business must demonstrate three elements: First, that the workers are largely free from control or direction over the performance of their work; second, that the type of work performed is outside the company’s usual course of business or outside its usual place of business; and third, that the workers have their own independent trade, job, profession or business.\nAttorney General Matthew J. Platkin has described the defendants as “national, profitable corporations with deep pockets who are padding their profits with illegal labor schemes, and they seem to have no plans to stop this kind of behavior.” “When employers unlawfully and callously toss their workers into the ‘independent contractor’ category they are not only depriving them of a steady paycheck, they are also stripping them of earned sick leave, workers’ compensation, minimum wage, and more,” Platkin stated.", "domain": "economics"}
+{"url": "http://www.devshed.com/c/a/MySQL/The-Future-of-SQL/1/", "date": "2014-04-17T15:27:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-15/segments/1397609530136.5/warc/CC-MAIN-20140416005210-00009-ip-10-147-4-33.ec2.internal.warc.gz", "language_score": 0.9396706223487854, "token_count": 924, "dump": "CC-MAIN-2014-15", "global_id": "webtext-fineweb__CC-MAIN-2014-15__0__17312189", "lang": "en", "text": "In this article, Vikram Vaswani discusses the ways in which SQL plays an important role in the computer market today, and what may be in store for this database language in the future. This excerpt comes from chapter 26 of MySQL: The Complete Reference, by Vikram Vaswani (McGraw-Hill/Osborne, ISBN 0-07-222477-0, 2004).\nToday’s market for database management products exceeds $12 billion per year in products and services revenues, up from about $5 billion per year a decade ago. On several occasions over the last decade, lower year-over-year growth in the quarterly revenues of the major database vendors has led analysts to talk about a maturing database market. Each time, a wave of new products or new data management applications has returned the market to double-digit growth. Client/server architecture, ERP applications, data warehousing and business intelligence, three-tier web site architectures—each of these spurred a new wave of database technology and a new wave of SQL-based database deployments. If the history of the last two decades is any indication, database technology will continue to find new applications and generate increasing revenues for years to come. The trends shaping the market bode well for its continued health and point to a continuing tension between market maturity and consolidation on the one hand, and exciting new database capabilities and applications on the other.\nEnterprise Database Market Maturity\nRelational database technology has become accepted as a core enterprise data processing technology, and relational databases have been deployed by virtually all large corporations. Because of the importance of corporate databases and years of experience in using relational technology, many, if not most, large corporations have selected a single DBMS brand as an enterprisewide database standard. Once such a standard has been established and widely deployed within a company, there is strong resistance to switching brands. Even though an alternative DBMS product may offer advantages for a particular application or may pioneer a new, useful feature, an announcement by the standard vendor that such features are planned for a future release will often forestall the loss of a customer by the established vendor.\nThe trend to corporate database standards has tended to reinforce and strengthen the market positions of the established major DBMS vendors. The existence of large direct sales forces, established customer support relationships, and multiyear volume purchase agreements has become as important as, or more important than, technology advantage. With this market dynamic, the large established players tend to concentrate on growing their business within their existing installed base instead of attempting to take customers away from competitors. In the late 1990s, industry analysts saw and predicted this tendency at both Informix and Sybase. Oracle, with a much larger share of the market, was forced to aggressively compete for new accounts in its attempt to maintain its database license revenue growth. Microsoft, as the upstart in the enterprise database market, was cast in the role of challenger, attempting to leverage its position in workgroup databases into enterprise-level prototypes and pilot projects as a way to pry enterprise business away from the established players.\nOne important impact of the trend to corporate DBMS vendor standardization has been a consolidation in the database industry. New startup database vendors tend to pioneer new database technology and grow by selling it to early adopters. These early adopters have helped to shape the technology and identified the solution areas where it can deliver real benefits. After a few years, when the advantages of the new technology have been demonstrated, the startup vendors are acquired by large established players. These vendors can bring the new technology into their installed base, and bring their marketing and sales muscle to bear in an attempt to win business in their competitor’s accounts. The early 1990s saw this cycle play out with database vendor acquisitions of database tools vendors. In the late 1990s, the same cycle applied to mergers and acquisitions of database vendors. Informix’s purchase of Illustra (a pioneering object-relational vendor), Red Brick (a pioneering data warehousing vendor), and Cloudscape (a pioneering pure Java database vendor) are three examples of the pattern. Just a few years later, Informix itself was acquired by IBM, continuing this particular chain of consolidation.\nRemember: this is chapter 26 of MySQL: The Complete Reference, by Vikram Vaswani (McGraw-Hill/Osborne, ISBN 0-07-222477-0, 2004). Vikram is the founder of Melonfire, and has had numerous articles featured on Dev Shed. Buy this book now.", "domain": "economics"}
+{"url": "http://www.sjkdt.org/article.asp?issn=1319-2442;year=2015;volume=26;issue=4;spage=733;epage=738;aulast=Rosselli", "date": "2019-08-21T06:04:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027315809.69/warc/CC-MAIN-20190821043107-20190821065107-00027.warc.gz", "language_score": 0.9093494415283203, "token_count": 4198, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__56131072", "lang": "en", "text": "| Abstract|| |\nTo estimate the costs and effectiveness measured in quality-adjusted life years (QALY) of kidney transplantation compared with dialysis in adults suffering from end-stage renal disease from the perspective of the Colombian healthcare system, we designed a Markov model with monthly cycles over a five-year time horizon and eight transitional states, including death as an absorbing state. Transition probabilities were obtained from international registries, costs from different local sources [case studies, official tariffs (ISS 2001 + 35%) for procedures and SISMED for medications]. Data were validated by an expert panel and we performed univariate, multivariate and probabilistic sensitivity analyses. Effectiveness indicators were months of life gained, months of dialysis averted and deaths prevented. The annual discount rate was 3% and the cost-utility threshold (willingness to pay) was three times gross domestic product (GDP) = USD 20,000 per QALY. The costs were adopted in US dollars (USD) using the 2012 average exchange rate (1 USD = COP$ 1798). The discounted average total cost for five years was USD 76,718 for transplantation and USD 76,891 for dialysis, with utilities 2.98 and 2.10 QALY, respectively. Additionally, renal transplantation represented 6.9 months gained, 35 months in dialysis averted per patient and one death averted for each of the five patients transplanted in five years. We conclude that renal transplantation improves the overall survival rates and quality of life and is a cost-saving alternative compared with dialysis.\n|How to cite this article:|\nRosselli D, Rueda JD, Diaz CE. Cost-effectiveness of kidney transplantation compared with chronic dialysis in end-stage renal disease. Saudi J Kidney Dis Transpl 2015;26:733-8\n|How to cite this URL:|\nRosselli D, Rueda JD, Diaz CE. Cost-effectiveness of kidney transplantation compared with chronic dialysis in end-stage renal disease. Saudi J Kidney Dis Transpl [serial online] 2015 [cited 2019 Aug 21];26:733-8. Available from: http://www.sjkdt.org/text.asp?2015/26/4/733/160175\n| Introduction|| |\nEnd-stage renal disease (ESRD) has attracted interest from health economists for three main, reasons. The first reason is its high cost , and the second reason is its rate of incidence and prevalence. The increased incidence is attributable to both an ageing population as well as better care for patients with diabetes and hypertension, , and the increased prevalence is due to the increased survival rate for patients on renal replacement therapy (dialysis and transplantation). , The third reason of interest is the variety of possible interventions for kidney disease, ranging from primary care to the reduction of progression of damage in patients at the intermediate stages of the disease  to the use of the different kidney replacement therapies in the final stages of the disease. \nAdditionally, ESRD has been a prolific research field in terms of quality of life  and cost-utility,  for which several scales and indicators have been developed.  In fact, hemodialysis (HD) is frequently used in health economics' studies as a threshold for determining the cost-effectiveness. From this viewpoint, an intervention is considered cost-effective if the amount paid per quality-adjusted life year (QALY) does not exceed what is gained per QALY with HD. ,\nThere are several international studies that have compared kidney transplantation with dialysis , and numerous multi-center clinical trials of good methodological quality ,,, that agree in showing the clinical superiority of a transplant.\nThis study presents a mathematical model that analyzes both clinical and economic impact of kidney transplantation compared with dialysis therapy in the Colombian healthcare context.\n| Materials and Methods|| |\nWe built a Markov model with monthly cycles over a five-year time horizon and from a third-party payer perspective (Colombian healthcare system) including only direct medical costs. We used the Tree Age Health Pro 2009 suite (version 1.0.2, TreeAge Software Inc.) program. The model [Figure 1] compares the decision of whether to offer transplantation or to start a chronic dialysis program in a patient without contraindication to kidney transplantation and who is on a hypothetical waiting list for a transplant. Analysis was performed with time horizons of one-, two-, threeand five-years. The five-year time horizon was considered as a reasonable upper time limit for a decision maker. The annual discount rate was 3% for both costs and outcomes as recommended by the Colombian Ministry of Health.\nIn the model, the term \"chronic rejection\" referred to the different conditions such as Interstitial Fibrosis Tubular Atrophy (IFTA) or chronic graft glomerulopathy. \"Second-line\" therapy represented those patients who have responded to acute rejection treatment but will experience further deterioration of renal functions (and require different medication or higher doses). The outcomes were expressed in terms of net costs, deaths averted (per 1000 patients), months of life gained, months of dialysis averted and QALYs gained with each therapy. The results were reported as an incremental cost for each outcome gained (or per death prevented or month of dialysis averted) comparing transplantation with dialysis.\nMortality rates used in the model were obtained from the registry of patients with renal disease in the United States (U.S. Renal Data System),  both for transplantation and dialysis patients; in our study, mortality data were obtained from 55,000 patients on the waiting list for transplantation, which rendered it more applicable for this comparison than the overall mortality of patients on dialysis in Colombia published by Sanabria et al including patients who would not be candidates for transplantation. For the annual rate of acute rejection and graft loss censored for death, we used the records of the US Scientific Renal Transplant Registry, which had 252,910 patients transplanted between 1989 and 2009,  as well as the Collaborative Transplant Study from the Heidelberg University, a registry that was started in 1982 and included information from more than 400 transplant centers from 45 countries including Colombia.  For differences in mortality among peritoneal dialysis (PD) and HD, we used the relative risk (RR) of 0.73 (5% confidence interval, 0.68-0.78) as estimated by Fenton et al. from the Canadian registry of 11,970 patients with ESRD.  For the percentage distribution of patients between HD and PD, we used the Colombian information from 2010 (14,251 patients on HD, 69.1% and 6,373 on PD). \nUtilities to estimate QALY values in each of the states were obtained from a literature review using the Tufts University database of cost-effectiveness studies.  We used the mean of all studies published in indexed journals that included utility calculation, as shown in [Table 1].\nAll costs were expressed in 2012 US dollars at the average exchange rate of 1,798 Colombian pesos per US dollar. To estimate costs, we used different sources [Table 2] and [Table 3].Monthly HD and PD package costs were obtained from a weighted average of current market price. This monthly package includes vascular access, medical and nursing care as well as basic medications. To estimate the costs of complications, we used four studies: Loza-Concha et al  who estimated total costs both for the surgical procedure as well as for the 5-year follow-up of a group of 58 patients who underwent renal transplantation in Peru; Blotière et al  and Benain et al,  who analyzed the databases of ESRD patients (27,348 transplanted, 2,566 on PD and 30,945 on HD) in France; and Arrieta  who estimated the direct costs of the complications of the three different therapies in Spain. Based on these studies, we estimated that the average cost of a complication is equivalent to a percentage of the monthly cost for each of the therapies: For HD, the average monthly cost for complications was 26.1% of the monthly cost of a \"dialysis package\"; for PD, it was 69.7%; and for a transplant, it was 13% of the immunosuppression cost.\n| Statistical Analysis|| |\nA univariate sensitivity analysis (Tornado diagram), a multivariate analysis and a Monte Carlo simulation were performed where all variables were changed simultaneously according to pre-defined distributions [Table 1] and [Table 2]. Distributions were assigned according to the characteristics of each variable, gamma distribution was used for grouped costs, beta distribution was used for mortality rate and utilities and uniform distribution was used for effectiveness variables using limits for the confidence interval reported as the minimum and maximum values.\n| Results|| |\nThe average discounted total costs for transplantation and dialysis therapy were USD$76,718 and USD $76,891, respectively [Table 4]. The costs of dialysis were reduced in part due to increased mortality; the average cost was USD $91,440, considering only patients who survived having the same rate as the transplanted patients.\nThe net cost-utility of the transplant was dominant over the time limit of five years. The cost of one-year transplantation and dialysis was USD 33,108 and USD 21,488, with 0.76 and 0.59 QALY, respectively. Transplantation became the dominant alternative after the fourth year and was a cost-effective alternative from the second year with an incremental costeffectiveness ratio of USD 11,788 (for a cost difference of $6.2 million and a QALY gain of 0.29).\nThe univariate sensitivity analysis showed that there were two critical variables in the model. The first one was the monthly cost of immunosuppression; transplantation would stop being a cost-saving alternative if the average monthly cost of immunosuppression was greater than USD 556. The second critical variable was the monthly cost of dialysis; Given the current distribution between PD and HD, if the monthly cost of dialysis was reduced to USD 1,112 (from its current cost of around USD 1,300), then transplantation would reach the GDP per capita threshold and the average monthly cost of dialysis would have to be lowered to USD 956 for transplantation to reach the threshold of three times the GDP per capita. On the other hand, transplantation was always a more effective option and it produced a higher utility in QALY than dialysis within the established ranges, regardless of changes in any of the model's variables.\nWhen performing analysis on the net costeffectiveness ratio, we found that even at USD 27,800 per procedure (compared with the current cost of around USD 18,000), a transplant would still be the best alternative in terms of cost-effectiveness and cost per QALY when compared with dialysis therapy. The transplant would continue being more cost-effective even if the cost of immunosuppression reaches up to USD 1,560 per month. To reach the same cost-effectiveness ratios, the monthly cost of PD and HD must be less than USD 950 and USD 670, respectively.\nWhen performing the probabilistic sensitivity analysis, for a threshold of three times GDP per capita, transplantation was more costeffective than dialysis in 76% of the trials.\n| Discussion|| |\nThis study has various limitations, such as the value assigned to the cost of the complications for each of the therapies, which have been taken from the different international sources due to the lack of the standardized national registries. As with any model, some assumptions have been made, such as the patients were middle-aged (the results would be different for the elderly or a child), the donors were deceased and the costs and the efficacies of immunosuppressive therapies were both averaged, while the heterogeneity of the renal transplant patients was ignored to some extent.\nThe most important result of this study was that even with a relatively short time limit, transplantation was a better option in terms of cost-effectiveness than dialysis, especially when considering the net value of cost per QALY. If the time limits were extended or indirect costs or expenses were considered, the result would surely be even more favorable. Although survival rate and patient quality of life for dialysis has improved over the last few decades, , advances in transplantation have reduced graft loss, particularly when it comes from a living donor and when transplantation is performed early.  In the short to medium term, the reduction of cost of immunosuppressive drugs is expected due to more competitive market and expiration of patents of most commonly used medications.\nWe conclude that health systems that value both overall survival as well as quality of life and would like to invest in interventions with an adequate margin of cost-effectiveness should support programs that encourage renal transplantation over dialysis for patients with ESRD.\n| Acknowledgment|| |\nThis study received economic support from Pfizer Colombia and collaboration from the Colombian Association of Organ Transplants. The concepts expressed, however, are the responsibility of the authors.\nConflicts of interest: None declared.\n| References|| |\nMachnicki G. Economics of transplantation: A review of the literature. Transplant Rev 2006; 20:75.\nGómez RA. Renal disease in Colombia. Ren Fail 2006;28:643-7.\nWoodroffe R, Yao GL, Meads C, et al. Clinical and cost-effectiveness of newer immunosuppressive regimens in renal transplantation: A systematic review and modelling study. Health Technol Assess 2005;9:1-179, iii.\nAbboud H, Henrich WL. Clinical practice. Stage IV chronic kidney disease. N Engl J Med 2010; 362:56-65.\nLevey AS, Coresh J. Chronic kidney disease. Lancet 2012;379:165-80.\nPrabahar MR, Chandrasekaran V, Soundararajan P. Epidemic of chronic kidney disease in India what can be done? Saudi J Kidney Dis Transpl 2008;19:847-53.\nRosselli D, DeAntonio R, Calderon C. Costeffectiveness of a renal health program for patients with diabetic and/or hypertensive chronic kidney disease. Hospitalaria 2009;62:12-8.\nRosselli D, DeAntonio R, Calderon C. Economic analysis of peritoneal dialysis compared with hemodialysis in patients with chronic, diabetic or hypertensive renal disease. Med Unab 2008;11:201-5.\nBayoumi M, Al Harbi A, Al Suwaida A, Al Ghonaim M, Al Wakeel J, Mishkiry A. Predictors of quality of life in hemodialysis patients. Saudi J Kidney Dis Transpl 2013;24:254-9.\nWyld M, Morton RL, Hayen A, Howard K, Webster AC. A systematic review and meta-analysis of utility-based quality of life in chronic kidney disease treatments. PLoS Med 2012;9: e1001307.\nThomas R, Kanso A, Sedor JR. Chronic kidney disease and its complications. Prim Care 2008; 35:329-44, vii.\nLee CP, Chertow GM, Zenios SA. An empiric estimate of the value of life: Updating the renal dialysis cost-effectiveness standard. Value Health 2009;12:80-7.\nGrosse SD. Assessing cost-effectiveness in healthcare: History of the $50,000 per QALY threshold. Expert Rev Pharmacoecon Outcomes Res 2008;8:165-78.\nDor A, Pauly MV, Eichleay MA, Held PJ. Endstage renal disease and economic incentives: The International Study of Health Care Organization and Financing (ISHCOF). Int J Health Care Finance Econ 2007;7:73-111.\nPecoits-Filho R, Campos C, Cerdas-Calderon M, et al. Policies and health care financing issues for dialysis in Latin America: Extracts from the roundtable discussion on the economics of dialysis and chronic kidney disease. Perit Dial Int 2009;29 Suppl 2:S222-6.\nEkberg H, Tedesco-Silva H, Demirbas A, et al. Reduced exposure to calcineurin inhibitors in renal transplantation. N Engl J Med 2007;357: 2562-75.\nLaftavi MR, Stephan R, Stefanick B, et al. Randomized prospective trial of early steroid withdrawal compared with low-dose steroids in renal transplant recipients using serial protocol biopsies to assess efficacy and safety. Surgery 2005;137:364-71.\nRemuzzi G, Cravedi P, Perna A, et al. Longterm outcome of renal transplantation from older donors. N Engl J Med 2006;354:343-52.\nRemuzzi G, Lesti M, Gotti E, et al. Mycophenolate mofetil versus azathioprine for preven-tion of acute rejection in renal transplantation (MYSS): A randomised trial. Lancet 2004;364: 503-12.\nDanovitch G, Savransky E. Challenges in the counseling and management of older kidney transplant candidates. Am J Kidney Dis 2006; 47:S86-97.\nSanabria M, Muñoz J, Trillos C, et al. Dialysis outcomes in Colombia (DOC) study: A comparison of patient survival on peritoneal dialysis vs. hemodialysis in Colombia. Kidney Int 2008; 73:S165-72.\nLamb KE, Lodhi S, Meier-Kriesche HU. Longterm renal allograft survival in the United States: A critical reappraisal. Am J Transplant 2011;11: 450-62.\nCollaborative Transplant Study, University of Heidelberg Department of Transplantation Immunology. Available from: http://www.ctstransplant.org/\n. [Last accessed on 2013 Mar 14].\nFenton SS, Schaubel DE, Desmeules M, et al. Hemodialysis versus peritoneal dialysis: A comparison of adjusted mortality rates. Am J Kidney Dis 1997;30:334-42.\nLoza-Concha RE, Quispe AM. Cost utility of renal transplant vs. hemodialysis in the treatment of end stage chronic kidney failure in a Peruvian hospital. Rev Peru Med Exp Salud Publica 2011;28:432-9.\nBlotière PO, Tuppin P, Weill A, Ricordeau P, Allemand H. The cost of dialysis and kidney transplantation in France in 2007, impact of an increase of peritoneal dialysis and transplantation. Nephrol Ther 2010;6:240-7.\nBenain JP, Faller B, Briat C, et al. Cost of dialysis in France. Nephrol Ther 2007;3:96-106.\nArrieta J. Economic evaluation of renal replacement therapy (hemodialysis, peritoneal dialysis and transplantation) in Spain. Nephrology 2010; 1:37-47.\nLandreneau K, Lee K, Landreneau MD. Quality of life in patients undergoing hemodialysis and renal transplantation - A meta-analytic review. Nephrol Nurs J 2010;37:37-44.\nAsolati M, Matas AJ. Risks versus benefits of living kidney donation. Curr Opin Organ Transplant 2003;8:155-9.\nDepartment of Clinical Epidemiology and Biostatistics, School of Medicine, Pontificia Universidad Javeriana, Carrera 7 No. 40-62, Bogota\n[Table 1], [Table 2], [Table 3], [Table 4]", "domain": "economics"}
+{"url": "https://www.kyca.info/the-news-no-audio/town-of-prescott-valley-to-end-contract-with-eco-development-foundation", "date": "2023-09-27T01:40:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510238.65/warc/CC-MAIN-20230927003313-20230927033313-00136.warc.gz", "language_score": 0.95799720287323, "token_count": 146, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__71506522", "lang": "en", "text": "Town of Prescott Valley to End Contract with Eco Development Foundation\nThe partnership between the Town of Prescott Valley and the Prescott Valley Economic Development Foundation is coming to an end. Town officials announced they intend to end their contract with the foundation, which has been in place since 1996. The town is looking to take a more centralized approach to its economic development strategy and will provide planning and recruitment with its current economic development team. Town Manager Gilbert Davidson said, “We’ll develop an economic road map identifying the industries that we want to bring here. We’re thankful for PVEDF’s efforts over the years to recruit jobs to Prescott Valley and will build on those efforts moving forward.\"", "domain": "economics"}
+{"url": "https://www.thevineyard.org/event/7643373-2022-09-15-financial-peace-university/", "date": "2022-08-14T21:39:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882572077.62/warc/CC-MAIN-20220814204141-20220814234141-00550.warc.gz", "language_score": 0.9278196692466736, "token_count": 383, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__169253600", "lang": "en", "text": "Financial Peace University\nThursdays, Sep. 15 — Nov. 17, 7–9pm\nFinancial Peace University has been helping people gain financial freedom and peace for almost 30 years. Nearly 6 million people have gone through the nine lessons and learned the proven plan to pay off debt, save for emergencies, and build wealth.\nAbsolutely! With Financial Peace University, you’ll learn all about the 7 Baby Steps. This is the money plan for real life—ALL of your life. Getting out of debt isn’t the peak of your money journey. It’s just the beginning.\nIn addition to the Financial Peace University course you will receive:\n- Membership to Ramsey+\n- Course workbook\n- Access to the Every Dollar App\nFollowing the 7 Baby Steps of Dave Ramsey, the average household finds $332 after their first month of budgeting. In the first 90 days, the average household pays off $5,300 in debt and puts $2,700 into savings. And that’s just in the first three months! Imagine what you can do after that.\nTeam Vineyard Members receive a $50 discount! Learn more about becoming a Team Vineyard Member.\nA Team Vineyard Member is committed to:\n- Loving Jesus by acknowledging Jesus Christ as their Lord and Savior.\n- Growing Together by regularly attending The Vineyard’s Weekend Celebrations.\n- Giving Back by serving on a team and giving financially at The Vineyard.\n- Be the first to know\n- Invitation to the Team Vineyard Christmas Party\n- Personal care through volunteer team involvement\n- Opportunity for leadership\n- Free attendance to select all-church events\n- Free enrollment as a Vineyard FIT: Faith in Training student (50% off classes)\n- 20% discount on Resource Center books\n- Automatic invitation to RightNow Media", "domain": "economics"}
+{"url": "http://www.fondationicm.org/en/life-insurance-donation.html", "date": "2014-04-20T10:46:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-15/segments/1397609538423.10/warc/CC-MAIN-20140416005218-00437-ip-10-147-4-33.ec2.internal.warc.gz", "language_score": 0.9425954818725586, "token_count": 292, "dump": "CC-MAIN-2014-15", "global_id": "webtext-fineweb__CC-MAIN-2014-15__0__66850080", "lang": "en", "text": "Institute | Text Size\nDonations through a life insurance policy\nDid you know that a charitable organization can be named the beneficiary of an insurance policy during your lifetime or upon your death? This is a simple and flexible way to make a substantial donation to a worthy cause, with a fairly modest investment.\nThe terms you choose for the donation through a life insurance policy will depend on your financial and philanthropic objectives, age and marital status. If you are donating to get a tax deduction, be sure to name the charity as both the beneficiary and the owner of the policy. If you name it as one or the other, you will not be able to deduct the donation proceeds from your taxes. The rule of thumb is if you donate a term life insurance policy, you can deduct the premium from your taxes, where as if you donate a whole life insurance policy, you can deduct the cost of the premiums and the cash value from your taxes.\nA donation through an insurance policy generates significant tax savings for the donor. Because the donation is made in one’s lifetime, the estate receives no tax benefit.\nHowever, if you believe that your estate is likely be taxed heavily, you may wish to defer your tax savings by designating the MHI Foundation as your policy’s beneficiary, in part or in whole, while you remain the owner. The donation will take place only upon your death, thereby generating tax savings for the estate.", "domain": "economics"}
+{"url": "http://www.corecu.org/", "date": "2016-06-25T07:03:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-26/segments/1466783392159.3/warc/CC-MAIN-20160624154952-00144-ip-10-164-35-72.ec2.internal.warc.gz", "language_score": 0.9072965979576111, "token_count": 331, "dump": "CC-MAIN-2016-26", "global_id": "webtext-fineweb__CC-MAIN-2016-26__0__98920230", "lang": "en", "text": "CHECK OUT OUR NEWEST BRANCH!\nAccess CORE Anywhere Mobile Banking now. Our CORE Anywhere Mobile App is available on Apple, Kindle, or Android devices and replaces our previous mobile/text banking service.\nPhoto ID Debit Card FREE!\nIn response to the high levels of account fraud in the world today, CORE Credit Union will begin offering free photo ID debit cards with all checking accounts!\nThe photo ID debit card provides all the benefits of our regular debit card, plus:\n- Helps prevent others from using your card if it’s stolen\n- Identifies you as the card’s authorized user to merchants\n- Provides an additional form of photo ID\nTheir Rate - 2% = Our Auto Rate\nDo you have an automobile or RV loan with another lender? If so we want to beat their rate by 2% and put the savings in your pocket. This 2% rate reduction means lower payments and less interest over the life of the loan. On a 60 month $25,000 loan, a 2% rate reduction saves a borrower over $1,372 in interest and monthly payments are reduced by $22 per month. CORE has refinance rates as low as 2.74% APR*. To start saving today, apply online or contact our Loan Department at (912) 764-9846. Refinancing is quick, easy, and there are no application fees.\nOffer good on auto and RV loans currently financed through other lenders. CORE CU auto/RV loans not eligible for refinance promotion. *APR= Annual Percentage Rate.", "domain": "economics"}
+{"url": "https://90right.wordpress.com/2012/01/12/mia-conference-unveils-lord-drayson-prototype/", "date": "2017-04-26T02:09:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121121.5/warc/CC-MAIN-20170423031201-00102-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.958175778388977, "token_count": 1073, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__212150053", "lang": "en", "text": "6th Low Carbon Racing Conference at the NEC, Birmingham – motorsport and automotive key players congregated to debate the fundamental issues concerning the industry and to witness the launch of a potentially history-making electric car.\nThe recurring theme of the day was the need to engage with the new generation of smartphone equipped fans and how low-carbon racing can be a catalyst for a new era of competition providing major opportunities for the motorsport industry.\nNick Baird, CEO, UK Trade & Investment gave the first keynote speech and spoke of his pride in the output of the British motorsport industry and the technological transfer to other sectors. He emphasised that UK Trade & Investment wants to do all it can to grow businesses and that the Government is anxious to help the sector pick up yet more speed. The MIA was commended for its work on crossover initiatives such as those to the defence and automotive industries.\nTwo years ago, Lord Drayson, then speaking as a Government Minister, challenged the motorsport industry to produce cooler, green cars. Now – as a managing partner in Drayson Technologies – he has met his own challenge with the unveiling of the Lola Drayson B12/69EV all-electric prototype.\nThe vision behind the car was to demonstrate potential of sustainable technologies, provide real data on electric vehicle performance, generate business opportunities, highlight speed potential and develop know-how relevant to the new FIA Formula E World Championship.\nThe car was hailed as revolutionary by the Mercedes AMG F1, Audi and Porsche management, who were panellists. Lord Drayson explained some of the technological advances embraced in the design, including the use of wireless charging technology which, although currently static, he sees as some day being dynamic, enabling cars to recharge while racing out on track.\nLord Drayson was also the afternoon keynote speaker, when he talked about the strategic importance of attracting audiences and sponsorship. He spoke of the benefits of the open rules for the FIA Formula E World Championship. As a former politician, he predicted that, once the economy improves, media focus will return to the environment, which in turn will put pressure on politicians to regulate to reduce emissions and sees this as the time for the motorsport industry to “get ahead of the curve”.\nThe Showcase Exhibition included three prototype electric vehicles, in addition to the Lola-Drayson Le Mans prototype, the Formulec EF01 Formula 3 type car, the Quimera AEGT01 GT car and the Delta E4 Coupe, providing tangible evidence of the progress being made in the industry. Top speeds for the cars range from 150 to 200mph, showing sceptics that electric does not mean slow.\nThree panel sessions with industry experts continued discussions, with audience members participating. There was general agreement that growing spectator numbers for the new type of racing is key, but how to solve the issue wasn’t so apparent.\nChris Aylett, the MIA’s CEO: “The star of the show has to be Lord Drayson’s car. To have the vision and commitment to have got so far in just a year is exceptional. Major manufacturers have to be risk averse, so it is entrepreneurial companies that can be the front runners. But the technology and cars is just one side. Our panellists have all come to the same conclusion: that we need to build up the entertainment side. The new generation of racing will be something very different to suit the new generation of motorsport enthusiasts. Our first conference was nine years ago, when diesel was seen to be a big advance. To have incredible examples of electric racing cars that are a major step ahead just shows how quickly the industry moves. It’s days like yesterday that spur on our members and other companies to make the most of the business opportunities out there.”\nUK Trade & Investment CEO Nick Baird: “I am proud to be representing UK Trade & Investment at the sixth MIA International Low Carbon Racing Conference. This is a very important initiative. Low-carbon racing is a new, important and exciting development in the motorsport sector and I am thrilled that the UK is a leading global player. The global market for low-carbon goods and services, of all types, is already worth around £3 trillion and is expected to exceed £4.5 trillion by 2015. With their history of innovation, British motorsport companies are well placed to benefit from these opportunities. UK Trade & Investment is here to help UK companies and the UK motorsport industry as a whole go forward into a prosperous, low-carbon future.”\nLord Drayson, Managing Partner Drayson Technologies & President MIA “The door has been opened to a new opportunity in the electric world. I urge motorsport companies to rush in and maximise it for all its worth. Global brands are looking to the fast growing middle class markets in China and India. China already has a pollution problem and legislation. Establishing a brand in electric racing is a way of grabbing a piece of that fast growing market. I’m very proud of the Lola-Drayson and am encouraged to see the other cars on show here. I hope companies are encouraged to take the Formula E opportunity and look forward to seeing them on the grid in 2013.”", "domain": "economics"}
+{"url": "https://www.agaiti.com/2023/07/revolutionizing-manufacturing-how.html", "date": "2023-10-04T06:03:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511361.38/warc/CC-MAIN-20231004052258-20231004082258-00503.warc.gz", "language_score": 0.9192929267883301, "token_count": 1257, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__233530761", "lang": "en", "text": "The manufacturing industry is undergoing a remarkable transformation as robotics and automation technologies revolutionize traditional production processes. This article delves into the profound impact of robotics and automation on manufacturing, exploring how these innovations are driving efficiency, productivity, and cost-effectiveness. We will also examine the challenges and opportunities presented by this shift, and the potential implications for the future of work and the global economy.\nThe manufacturing landscape is rapidly evolving, with advancements in robotics and automation technology driving this transformative change. From the assembly lines to supply chain management, these technologies are revolutionizing how goods are produced, leading to increased productivity, improved quality, and reduced operational costs. In this article, we will delve into the various ways that robotics and automation are reshaping the manufacturing industry, and how this transformation is influencing the world economy.\n- Increased Efficiency and Productivity\nOne of the most significant benefits of robotics and automation in manufacturing is the substantial increase in efficiency and productivity. Robots can tirelessly and accurately perform repetitive tasks, leading to enhanced output and a reduction in errors. With the ability to operate 24/7, automation technology ensures that production continues seamlessly, even in non-working hours, minimizing downtime and maximizing output.\n- Precision and Quality Improvement\nAutomation systems are equipped with advanced sensors and artificial intelligence, enabling them to achieve unparalleled precision and consistency in manufacturing processes. This attention to detail results in superior product quality, meeting and exceeding customer expectations. Furthermore, the reduction in defects and errors leads to a decrease in waste, contributing to a more sustainable and eco-friendly manufacturing process.\n- Flexibility and Customization\nModern robotics and automation technology are highly adaptable and can be easily reprogrammed to handle various tasks and production requirements. This flexibility allows manufacturers to respond swiftly to changing market demands and tailor their products to meet individual customer preferences. As a result, mass production is giving way to personalized manufacturing, where each product is customized according to specific consumer needs.\n- Enhanced Workplace Safety\nRobotic automation has the potential to eliminate hazardous tasks that may pose a risk to human workers, thereby significantly improving workplace safety. Dull, dangerous, and dirty jobs can be efficiently handed over to robots, reducing the likelihood of accidents and injuries. This shift not only protects workers' well-being but also boosts employee morale and job satisfaction.\n- Cost Savings and Competitiveness\nWhile the initial investment in robotics and automation technology can be substantial, the long-term cost savings are compelling. Once implemented, automated systems operate at a lower cost per unit compared to manual labor. This cost-effectiveness enhances a manufacturer's competitiveness by allowing them to offer products at competitive prices, resulting in a potential increase in market share.\n- Supply Chain Optimization\nAutomation technologies play a crucial role in optimizing supply chain management. From inventory tracking and order fulfillment to logistics and distribution, robotics can streamline the entire process, minimizing delays and improving overall efficiency. Real-time data analysis also facilitates predictive maintenance and reduces the risk of unexpected breakdowns, ensuring a smooth and uninterrupted supply chain flow.\n- Challenges and Opportunities\nWhile the benefits of robotics and automation in manufacturing are undeniable, there are also challenges that need to be addressed as the industry embraces this technological shift:\n- Job Displacement and Reskilling\nAs automation replaces certain tasks previously performed by human workers, concerns about job displacement arise. The transition to automated manufacturing may lead to workforce restructuring, requiring individuals to be reskilled for new roles that involve working alongside or supervising automated systems. Governments, businesses, and educational institutions must collaborate to implement effective reskilling programs to help workers adapt to the changing job landscape.\n- Initial Investment and Integration\nImplementing robotics and automation technology necessitates substantial initial investment in equipment and training. Additionally, integrating these systems into existing manufacturing processes can be a complex undertaking that requires careful planning and coordination. Small and medium-sized enterprises (SMEs) may face more significant challenges in this regard due to financial constraints and limited resources.\n- Cybersecurity Risks\nThe increased reliance on technology also brings forth cybersecurity concerns. As automation systems become interconnected and communicate through the Internet of Things (IoT), they become susceptible to cyber threats and hacking attempts. Safeguarding manufacturing facilities from potential cyber-attacks requires robust security measures and constant updates to stay ahead of evolving threats.\n- Ethical and Social Implications\nThe widespread adoption of robotics and automation raises ethical considerations regarding the treatment of displaced workers and the potential loss of livelihood for many. Additionally, there is a need to address ethical concerns related to the use of artificial intelligence (AI) and autonomous robots, ensuring they are designed and programmed responsibly to avoid any unintended consequences.\nOpportunities arising from the integration of robotics and automation technology in manufacturing include:\n- Job Creation and Specialization\nWhile automation may replace certain tasks, it also creates new job opportunities in fields like robotics maintenance, programming, and AI development. As manufacturers specialize in customized products, skilled workers will be in demand to design and oversee intricate production processes.\n- Global Competitiveness\nManufacturers that embrace automation early on can gain a competitive advantage in the global market. Faster production cycles, higher quality products, and increased customization options can attract a broader customer base, leading to increased revenue and market share.\n- Advancements in Research and Development\nThe drive towards automation necessitates continuous research and development in the fields of robotics, AI, and automation. This push for innovation will not only benefit the manufacturing industry but also contribute to advancements in other sectors, such as healthcare, transportation, and aerospace.\nThe manufacturing industry is at the brink of a paradigm shift, thanks to the transformative power of robotics and automation technology. As these technologies continue to advance, manufacturers can reap the rewards of increased efficiency, enhanced quality, and reduced costs. The challenges brought forth by automation must be addressed through collaborative efforts between industry stakeholders, governments, and educational institutions. By striking a balance between the ethical integration of automation and reskilling the workforce, we can ensure a prosperous and sustainable future for the manufacturing industry. Embracing this revolution with foresight and adaptability will position countries and companies at the forefront of global competitiveness in the 21st century economy.", "domain": "economics"}
+{"url": "https://www.nuffrespekt.com/en/delivery-and-shipping-costs-t4", "date": "2024-04-19T01:47:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817253.5/warc/CC-MAIN-20240419013002-20240419043002-00073.warc.gz", "language_score": 0.9381646513938904, "token_count": 193, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__203133210", "lang": "en", "text": "Delivery and shipping costs\nInternational Shipping Costs\nShipping Information for International Customers:\nWe offer international shipping for our valued customers\nThe shipping cost varies depending on the destination country and the total weight of the ordered products. The total shipping cost will always be clearly displayed in your shopping cart before you proceed to place your order.\nGenerally, our shipping costs fall within the range of 6 to 14 Euro for standard packages. For heavier packages, particularly for large and heavy shipments, the cost may be between 14 to 85 Euro.\nWe ship all orders from Monday to Friday. The delivery time does not include Saturdays, Sundays, and public holidays.\nIf you're usually at work during the day, consider having the shipment delivered to your company address.\nAll orders for items in stock are dispatched within 3 working days. All deliveries are made from Poland.\nPlease note that we only provide traceable shipping options.\nThank you for shopping with us!", "domain": "economics"}
+{"url": "https://preferredhomes.ca/blog.html/archives/2023/03/", "date": "2023-09-26T18:44:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510219.5/warc/CC-MAIN-20230926175325-20230926205325-00688.warc.gz", "language_score": 0.9256900548934937, "token_count": 660, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__250125157", "lang": "en", "text": "Victoria, British Columbia, is renowned for its stunning landscapes, commitment to eco-friendly practices, and a strong focus on sustainability. As residents of this beautiful city, we have a responsibility to reduce our carbon footprint and contribute to preserving our natural environment. One effective way to do this is by incorporating energy-efficient appliances into our homes. In this blog post, we will explore the benefits of using energy-efficient appliances tailored to Victoria, BC, and how they contribute to a more sustainable and cost-effective lifestyle.\nReduced Energy Consumption\nEnergy-efficient appliances are designed to minimize energy usage without sacrificing performance. By using advanced technologies, these devices consume less electricity, reducing the overall energy demand. This is particularly important for Victoria, where the local government and community are striving to lower greenhouse gas emissions and create a more sustainable future for the region.\nLower Energy Bills\nFor homeowners in Victoria, investing in energy-efficient appliances can result in significant monthly savings on energy bills. By consuming less power, these appliances require less energy, leading to reduced costs. In a region where the cost of living can be relatively high, these savings can make a meaningful difference in household budgets.\nEnergy-efficient appliances are known for their improved performance compared to their less-efficient counterparts. Innovations in technology and design have allowed for the development of appliances that not only consume less energy but also function more effectively. For instance, energy-efficient washing machines can clean clothes just as effectively as traditional models while using less water and power - an essential consideration in a region where water conservation is crucial.\nClimate Leadership Incentives\nResidents of Victoria can take advantage of the various incentives offered by the British Columbia government through their Climate Leadership Plan. By participating in these programs, you can save money while also investing in a greener future for Victoria and the province.\nIncreased Home Value\nIn Victoria's competitive housing market, investing in energy-efficient appliances can boost the value of your home. Prospective buyers are increasingly seeking eco-friendly homes with lower energy costs. By incorporating energy-efficient appliances into your home, you can potentially increase its market value and make it a more attractive option for potential buyers.\nReduced Greenhouse Gas Emissions\nEnergy production is one of the leading causes of greenhouse gas emissions, which contribute to climate change. By using energy-efficient appliances, we can significantly decrease these emissions. This is especially relevant in Victoria, where the community is actively working to reduce its carbon footprint and combat climate change.\nSupporting Local Green Initiatives\nBy investing in energy-efficient appliances, you contribute to the overall green initiatives in Victoria. The city is known for its commitment to sustainability, and your support helps encourage the continued growth of eco-friendly practices and the development of sustainable technologies in the region.\nThe benefits of using energy-efficient appliances in Victoria, BC, are numerous and far-reaching. Not only do they help reduce energy consumption, lower energy bills, and provide enhanced performance, but they also contribute to a more sustainable environment, increased home value, and the potential for government incentives. By embracing the green revolution and investing in energy-efficient appliances, we can actively contribute to preserving the natural beauty of Victoria and ensure a healthier planet for future generations.", "domain": "economics"}
+{"url": "https://phuketluxuryhome.com/melia-hotels-to-open-phuket-beachfront-resort/", "date": "2019-08-23T11:25:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027318375.80/warc/CC-MAIN-20190823104239-20190823130239-00108.warc.gz", "language_score": 0.9185774922370911, "token_count": 525, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__86287800", "lang": "en", "text": "The Meliá Phuket Mai Khao will be the group’s fifth property in Thailand, continuing their dedication in providing exceptional hospitality with a Spanish touch to this thriving market, noted a release announcing the news.\nWith 48 properties in seven countries in Asia, both in operation and in the pipeline, Meliá Hotels International continues to put a focus on robust momentum and growth for the region, the release added.\nThe new Meliá Phuket Mai Khao is owned by local company Phuket Villa Group, well known for its popular Phuket Villa residential property developments across the island.\nEstablished in 1985 by Phuket’s Upatising family, Phuket Villa Group has more than 25 years of experience in real estate investment and developments. The Group is a privately held company with more than 10 residential projects, 6,000 houses, two hotels and various condominium buildings both in Phuket and Bangkok already in its portfolio.\n“It’s absolute thrilling news that we are expanding our footprint into Phuket with Meliá Hotels & Resorts brand,” said Bernardo Cabot Estarellas, Senior Vice President Asia Pacific of Meliá Hotels International.\n“While tourism continues to be the driving force in the Phuket economy, we’re well poised to bring our extensive experience in the resort segment to one of the most desired destinations in Asia,” he added.\n“Partnering with Phuket Villa Group, who we share similar ethos and passion with, will assure us to achieve robust and sustainable growth and deliver an unparalleled experience to meet the seasoned guests’ desires.”\nMaetapong Upatising, Managing Director of the Phuket Villa Group, agreed.\n“We’re excited to embark on this partnership with Meliá Hotels International, one of the world’s largest resort hotel companies, to capture the flourishing tourism market in Phuket,” she said.\n“Looking ahead, together with Meliá Hotels International, we have every confidence in bringing best of hospitality to Phuket and setting the benchmark for hospitality in this beautiful island.”\nThe Meliá Phuket Mai Khao will boast 101 private villas, each with a private pool and well-appointed amenities.\nThe resort will also feature two main pools, Meliá’s signature YHI Spa, in-resort services as well as meeting and banquet facilities.", "domain": "economics"}
+{"url": "https://unifydigital.co.nz/ufg-auction-engineering-digital-auctions/", "date": "2023-12-03T18:19:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100508.42/warc/CC-MAIN-20231203161435-20231203191435-00665.warc.gz", "language_score": 0.9650411009788513, "token_count": 646, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__166025939", "lang": "en", "text": "17 Feb UFG Auction – Engineering Digital Auctions\nUFG and Unify Digital have enjoyed a synergistic relationship for many years. However, in 2010 UFG made plans to establish four branch offices in addition to their head office in Auckland. They also planned to review the operation of their digital electronic auction system to increase their primary revenue generating capacity. UFG asked Unify Digital to provide the solutions and trusted them to deliver.\n“We had a tight timeframe, and Unify Digital were able to deliver every single one of our requirements,” explained CEO, Bruce O’Brien.\n“They were even able to make adjustments on the fly when unexpected things came up.”\nVMWare, Veeam, NetApp, Lenovo, Brocade\nDedicated VPN Network\nA robust national VPN network was constructed to enable communications between the sites. Operations Manager, Kevin Grout, explains how valuable this network deployment has been; “The network has been so stable, which is great because at the time we thought we would have to pay huge prices for a managed WAN.” The VPN network allowed UFG to maintain their server infrastructure at their Auckland head office.\nServers and Storage\n“We’ve always found recommendations from Unify Digital to be forward looking and in line with our strategy for digital innovation, said Mr O’Brien. UFG have constructed a virtual server farm to host their infrastructure, and with Unify Digital’s help it has been right sized for current needs and future requirements. In fact, the server infrastructure became crucial when Unify started work on redesigning the digital auction system.\nDigital Auction System\nUFG’s primary revenue source is driven from a digital auction system. Early on Monday, Wednesday and Friday mornings thousands of flowers are sold into the NZ market via the Dutch auction system. “The key to maximising the revenue generating capacity is to maximise the throughput of the auction process,” commented Unify’s lead developer, Jared Oliver, “that means more trolleys [of flowers], more buyers, and in less time.” Unify were able to use these guiding concepts to redesign, program and deploy a brand new, custom built auction system so that UFG were able to triple their auction throughput. “In partnership with Unify we have a regular cycle of innovations that we release to our buyers to stay ahead of our competitors,” said Mr. O‘Brien. “We also have the luxury of having local support for our systems through Unify Digital, instead of relying on overseas experts.”\nBy committing to a digital strategy that encompassed everything from IT infrastructure to innovative new solutions, and automation of processes, UFG have become a market leader in flower distribution. “Our digital and IT innovations, led by Unify Digital has been a key factor in more than doubling our revenue,” said Mr. O’Brien, “we highly recommend the Unify Digital team; they are thorough, and responsive, and we have enjoyed our strategic partnership for more than ten years now.”", "domain": "economics"}
+{"url": "https://www.44mgmt.com/about-rodd", "date": "2024-04-14T08:40:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816875.61/warc/CC-MAIN-20240414064633-20240414094633-00621.warc.gz", "language_score": 0.968493640422821, "token_count": 571, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__45036191", "lang": "en", "text": "MORE ABOUT RODD:\nBACKGROUND & CREDENTIALS\nRodd Newhouse is a dynamic addition to Wealth Partners Alliance, bringing his extensive expertise in wealth management for private clients, particularly focusing on sports and entertainment professionals. With a proven track record in the industry, Rodd is committed to delivering comprehensive financial solutions to help clients preserve, grow, and transfer their wealth effectively.\nAs an Accredited Wealth Management Advisor (AWMA®) and Sports and Entertainment Accredited Wealth Management Advisor (SE-AWMA™), Rodd possesses the specialized knowledge and skills to capitalize on opportunities that align with his clients' unique financial goals. He is dedicated to providing a goals-driven experience that seamlessly integrates financial planning and investment strategies, ensuring a holistic approach to wealth management.\nRodd's background speaks volumes about his commitment to excellence. With over 20 years of experience in the sports industry and a deep understanding of investment services, he has honed his skills in building a successful Sports and Entertainment Advisory practice. Coming from a family with multiple NFL players, Rodd has an intimate understanding of the specific wealth management needs and challenges faced by professional athletes and entertainers.\nThroughout his career, Rodd has worked with notable institutions in the financial industry as he expanded his Sports and Entertainment Advisory business at both 44 Management and Wells Fargo. He also served as the Pro Personnel Director for the Arizona Cardinals, gaining valuable experience in talent management and strategic decision-making. Rodd's involvement with the NFL Management Council further enhanced his expertise in the industry. Most recently Rodd is a Partner of the ownership group of the Dallas Jackals, a professional rugby expansion team of Major League Rugby. He holds a bachelor's degree from Rice University and a Executive Juris Doctor (EJD) degree from Concord Law School, and a real estate broker license (TX).\nIn addition to his professional achievements, Rodd actively engages in personal endeavors. He finds fulfillment in his role as a devoted family man, married with two children. Rodd remains connected to his community as a member of the Association of Rice University Black Alumni, contributing his time and expertise to support their initiatives. He is also an advocate for health and wellness and co-founded the 44Strong Foundation, a non-profit organization dedicated to raising awareness and funding research for amyloidosis (heart disease). This foundation, born out of his father's legacy as a former Dallas Cowboys fullback and Super Bowl Champion, exemplifies Rodd's commitment to making a positive impact beyond his professional endeavors.\nWith his wealth management acumen, dedication to client success, and passion for making a difference, Rodd Newhouse is an invaluable asset to Wealth Partners Alliance, driving exceptional outcomes for clients and contributing to the firm's continued growth and success.\nClick below to read Rodd's latest blog articles.", "domain": "economics"}
+{"url": "https://www.kangarealestate.com/rentals/fort-lauderdale/350-las-olas-place/", "date": "2018-02-25T23:26:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891817523.0/warc/CC-MAIN-20180225225657-20180226005657-00683.warc.gz", "language_score": 0.9004432559013367, "token_count": 493, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__237558843", "lang": "en", "text": "350 Las Olas Condos for Rent in Ft Lauderdale Florida. Embrace the charms of living a smart, sleek and sophisticated lifestyle courtesy of 350 Las Olas Place in FT Lauderdale Florida. Rising amidst the ever burgeoning Lauderdale business district, owning a piece of 350 Las Olas Place real estate is certainly a wise investment decision. Contact the Fort Lauderdale real estate experts at KangaRealty for a showing of this community, call 954-651-9050.\n350 Las Olas Place Rentals\nWith just seven units per floor, exclusivity is a top priority for the developers of the 350 Las Olas condominium complex. Additionally, the modern lifestyle of living at the center of Florida’s business and entertainment center is also an attraction.\nThe 350 Las Olas condos is a high rise development that suits perfectly with newly-wed couples and young professionals. Hence if you are looking for a safe and reliable real estate investment, 350 Las Olas complex is definitely worth considering.\nThis majestic development is strategically located in the middle urban Ft Lauderdale in order to emphasize accessibility and enhance convenience. The 350 Las Olas is near commercial establishments and prestigious universities to better serve its residents.\nWith majestic views of downtown Fort Lauderdale, the 350 Las Olas Place offers 1, 2 and 3 bedroom units that are not only luxurious but also sensible. If you are looking for condos for rent in 350 Las Olas or if you are in the hunt for a prized 350 Las Olas real estate, then you should not miss your chance.\nThe 350 Las Olas also has tremendous upside and potential with plenty of establishments currently being constructed within the area.\n350 Las Olas Place Location\nThe rent condos in 350 Las Olas business is not the only source of income you’ll be getting, the eventual increase in the property’s value is also another great way to generate income. It is estimated that the 350 Las Olas Ft Lauderdale will increase its value at least 7-10 percent each year – and that’s a very conservative estimate.\nThis 30-storey condominium complex is also very attractive to tourists and other potential renters because of its wonderful amenities. The 350 Las Olas Place boasts world class amenities and exclusive services that make it stand out amongst its competitors.\nLet KangaRealty’s team of expert real estate agents, schedule you some showings of condos for rent in Fort Lauderdale.", "domain": "economics"}
+{"url": "http://davinciok.org/why-college-education-matters/", "date": "2024-04-23T13:20:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818711.23/warc/CC-MAIN-20240423130552-20240423160552-00555.warc.gz", "language_score": 0.9630476236343384, "token_count": 451, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__48559019", "lang": "en", "text": "by Gary Davidson, Executive Director of the Oklahoma Association of Community Colleges\nRecently some critics of higher education have manufactured some research to tell us that a college education is not worth the price anymore. Funny how those that think higher education is a bad investment for someone else’s kids always make sure that their own children attend college.\nPlease consider the following objective data on this subject. First, there is a direct correlation between higher levels of education and higher earnings. The U.S. Department of Commerce reports that the lifetime earnings for a person with a Bachelors degree is $1.1 million dollars more than high school graduate. That rate jumps to $1.5 million for a person with a Masters Degree and $3.7 million for a Professional degree.\nTwo year colleges in Oklahoma are an incredible bargain. For approximately $5,000 per year Oklahoma students can earn an Associate’s degree. This includes many high demand fields such as nursing or information technology. The cost of that degree is recouped 2 or three times over in the first year salary earned. The bargain is even better when you consider that many local, state, and federal scholarship, grant and low interest loan programs are available to significantly reduce or eliminate tuition, fees and other costs of college.\nThere are also important societal benefits of higher education. Higher levels of education correspond to lower levels of unemployment which means college graduates contribute more for economic investments such as highways and bridges and create less demand for public welfare and Medicaid programs.\nCollege graduates have lower smoking rates, require less health care, and have significantly lower incarceration rates than individuals who have not graduated from college. There is a direct correlation between higher education levels and civic participation including volunteer work, voting and blood donations. For the first time in U.S. history, the current generation of college-age Americans will be less educated than their parents’ generation, and yet our workplaces require higher-level skills than ever before. The U.S. has fallen in international education rankings. In one single generation, America fell from 1st to 12th in college completion rates for young adults. Given these facts, policy discussions about higher education should focus on objective data, not demagoguery.", "domain": "economics"}
+{"url": "https://www.listingsbylocation.com/listing-lbl-costa-rica/costa-rica-620-plaza-ventanas-gas-station-ojochal-puntarenas-60501/", "date": "2024-03-03T19:26:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476397.24/warc/CC-MAIN-20240303174631-20240303204631-00852.warc.gz", "language_score": 0.9421338438987732, "token_count": 443, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__197046299", "lang": "en", "text": "About Plaza Ventanas & Gas Station\nOne of the best investment opportunities in the Southern Zone is here. Plaza Ventanas and Ventanas Gas Station are an impressive, fully-operational commercial plaza that is generating great steady income. Located on the Southern Pacific Coastal Highway, next to the newly-opened Ventanas Gas Station – the only service station between Uvita and Palmar – Plaza Ventanas is perfectly situated to capitalize on the traffic of tourists and locals alike. Additionally, the sales price includes two commercial lots: a vacant 2,248 m2 lot adjacent to the Gas Station and another 1,936 m2 building lot next to the Plaza where a house and 3 rental apartments are being constructed.\nPlaza Ventanas consists of 28 rental units with a total surface of 2,597 m2, almost all of which are currently occupied. A diverse range of businesses operate within the plaza, including Restaurante T-Rex serving local cuisine, a Pharmacy, Sakura Sushi and Grill Restaurant, a Dental Clinic, French Bakery/Café, a Real Estate Consultancy center, Admin office, Attorney/Notary office, Medical Clinic, Real Estate Office, Construction Management office, and many others.\nThe owners of Plaza Ventanas have created a unique experience that draws in crowds by the hundreds , with life-sized, Jurassic giants that give the plaza a theme park-like atmosphere. Lots of families come to this one of a kind opportunity to take photos with the lifelike dinosaurs, which guarantees a constant flow of people to the existing business.\nThe Ventanas Gas Station is the only service station in 44 km, and is located adjacent to the Plaza. This modern gas station is always busy, and includes a fully stocked convenience and liquor store, as well as an ice cream parlor and churros stand. This turn-key operation is situated on a 3447m2 commercial lot with incredible visibility.\nThis magnifical property is just 1km from the residential population in Ojochal, making it an ideal destination for a wide range of customers. This is trully one of the best business opportunity that will continue to see steady growth into the future", "domain": "economics"}
+{"url": "http://www.copops.org/", "date": "2015-10-07T17:22:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-40/segments/1443737875203.46/warc/CC-MAIN-20151001221755-00103-ip-10-137-6-227.ec2.internal.warc.gz", "language_score": 0.9652762413024902, "token_count": 561, "dump": "CC-MAIN-2015-40", "global_id": "webtext-fineweb__CC-MAIN-2015-40__0__58229033", "lang": "en", "text": "When you are considering the purchase of a brand new automobile it is important to take into consideration the type of financing options you are eligible for. So often, consumers go to the dealership and when they have settled on the new vehicle that they want, they simply take the first financing offer that is made. There is little doubt that it is not likely to be the best offer that they can secure. In order to find the best possible financing deals on new car loans, there are a few things that you need to be aware of. This guide is prepared to direct you in the ways of finding the best deals on new car loans.\nBefore you set foot on the dealership lot, you can apply for pre-approved financing from a number of lenders who are willing to offer competitive rates. Of course, the rates that you are offered will depend upon your credit history, cumulative credit scores, your income, and your debt to income ratio. This is known as your creditworthiness. It is always a good idea to check on your credit scores with the three most commonly used credit reporting agencies. Obtain a copy of your cumulative credit report an check it for inaccuracies. Often, credit scores are lowered because of inaccuracies that are recorded. If you find an issue, you can request to have corrections made. If there are extenuating circumstances such as divorce, death or unemployment due to disability for a period of time, there is room for an explanation on the report and this can make a difference with some lenders, providing that the remainder of the report is positive.\nPre-approval for new car loans\nThere is a variety of different lenders who are willing to extend credit on new car loans. One of the fastest and easiest ways to compare their rates, terms and policies is to use convenient online tools that help you to accomplish this. Just plug in your personal data and the results are returned to you within a few minutes so you can get an idea of which lender is apt to offer you the best deal with the lowest interest rates. Before accepting any offers, you should carefully read about the terms and conditions of the contract. Avoid variable interest rates which can be changed after your loan has been approved, and penalties for pre-payment. The latter is more important if you think that you may wish to pay the car off early, or if you anticipate trading it in on a newer vehicle before the total amount is paid off.\nAccording to ThoroughlyReviewed – Car Warranty Reviews section, the most pre-approval processes can be completed online and can be accomplished quicker than standing in line at your financial institution and wading through copious amounts of paperwork, questions and required documentation. Electronic applications may be completed with the use up uploading files and documents for transmission in some cases. (more…)", "domain": "economics"}
+{"url": "http://www.prepaidforyou.co.za/Buyprepaidsubmeter.aspx", "date": "2021-12-06T23:48:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363327.64/warc/CC-MAIN-20211206224536-20211207014536-00575.warc.gz", "language_score": 0.9490241408348083, "token_count": 471, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__90933697", "lang": "en", "text": "Option 1 - Self Management\nThe owner of the meter deals with the vending of the tokens himself.\n- The tenant pays any amount into the owner’s bank account or gives the owner the cash.\n- Owner receives the money and makes out a token for the tenant.\n- Token is created through an sms that is sent from the owner’s cell phone to the system.\n- Owner receives the token on his cell phone and forwards the token to his tenant.\n- Tenant receives the token and enters it on his keypad. His electricity or water is loaded with the amount that he paid.\n- The vending system costs R15 per meter per month irrespective of the quantity of tokens requested. A debit order form is completed to collect the R15 from the owner.\n- With every first token of the month the system will deduct R15 from the tenant. E.g.: Owner receives R200 and sends an sms for a R200 token. The tenant receives a token for R185. In this way the owner receives his R15 back and the tenant actually pays the R15.\n- In short: There are no additional costs to the owner. All fees are covered by the tenant.\n- The money collected by the owner is used to pay the municipality bill or top up the main prepaid meter.\nOption 2 - Outsourcing\nPrepaid meters deals with vending tokens on behalf of the owner\n- The tenant can buy electricity or water at most Shell and BP garages as well as certain shops in their region. List for your area available from us.\n- The tenant can also buy electricity or water at the bank, via internet or through his credit card.\n- After the tenant deposits his money he sends an sms from his cell phone to receive his token.\n- This option doesn’t cost the owner anything.\n- For the use of this option 10% is deducted from the tenant’s payment. Example: If the tenant pays R100 he receives a token for R90. The R10 is collected for administration fees.\n- At the end of the month all the money that was collected is paid over to the owner. The owner then pays his municipality bill or tops up the main prepaid meter.", "domain": "economics"}
+{"url": "https://www.airescuehvac.com/financing/", "date": "2024-04-18T00:21:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817184.35/warc/CC-MAIN-20240417235906-20240418025906-00694.warc.gz", "language_score": 0.9339638352394104, "token_count": 274, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__52565299", "lang": "en", "text": "Get Financing for Your Heating and Cooling Services\nAt Airescue Heating and Cooling, we understand that purchasing heating and cooling services can be expensive. We want to ensure that all of our customers have access to the services they need, which is why we offer financing services. With our financing options, you can secure the comfort of your home with a simple plan.\nIf you’re afraid of falling behind on your bills, then financing might be a possible option to help you. The experts at Airescue Heating and Cooling are here to help guide you through financing your HVAC repair or installment.\nStart Your Financing Now\nWe will deliver a solution that meets your needs while saving you time, money, and stress. We offer a wide range of options, including traditional financing and payment plans. Let us help you invest in a quality system that keeps you comfortable all year.\nCall Today to Start Your Financing Application\nDon’t let unexpected HVAC repairs derail your budget. By financing through us, you can get the HVAC services you need and make manageable payments over time. Start your financing application today, and you can get to a comfortable home in no time. Contact us today at (916) 667-1674 or fill out the online form to learn more about our financing options.", "domain": "economics"}
+{"url": "https://www.texture.ae/about/history/", "date": "2023-12-06T00:14:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100575.30/warc/CC-MAIN-20231206000253-20231206030253-00402.warc.gz", "language_score": 0.9605720043182373, "token_count": 160, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__91756473", "lang": "en", "text": "With a collective professional experience of three decades in industries ranging from textiles and aviation to trading and investments, the company’s founders were perfectly placed to set up Texture Holdings in 2003. Their diverse background means they have seen different business cycles in the GCC and the subcontinent and have learnt how to apply an innovative approach to solving problems and building a successful company.\nSince its inception, Texture Holdings quickly gained its sterling reputation as one of the main real estate firms in UAE. By 2013, it had already consolidated assets of over AED 2.5 billion in property developments and land banks. Today, the Texture family boasts over 3,000 clients and more than 50 staff members. The company continues to steadily grow, always adapting to the needs of our clients and the land we live in.", "domain": "economics"}
+{"url": "http://anchorhmo.com/buy-a-health-plan/third-party-administration/", "date": "2019-03-19T02:13:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912201882.11/warc/CC-MAIN-20190319012213-20190319034213-00388.warc.gz", "language_score": 0.9438939690589905, "token_count": 378, "dump": "CC-MAIN-2019-13", "global_id": "webtext-fineweb__CC-MAIN-2019-13__0__77668561", "lang": "en", "text": "This is a medical outsourcing service, which involves recruitment of providers (hospitals); processing and payment of hospital bills; a service hereto to that would have been provided by the employer. This system loosens up administrative time for employers to focus on their core services. There are no limits to medical care except as set by the employers. Anchor HMO will administer the healthcare funds by negotiating tariff with the hospitals and also pay the hospitals accordingly. Anchor HMO charges an administrative fee for the service provided.\nPlans / Benefits\n- Scope of coverage – The scope of coverage is unlimited and is designed to meet the organization’s requirement and budget.\n- Service Delivery – Subscribers will have access to additional services such as 24hr customer care, emergency ambulance and medical assistance services.\n- Reduced Healthcare Cost – Anchor HMO reimburses the health care provider for services provided at a pre-negotiated rate.\n- Quality Management – Anchor HMO will ensure high quality care delivery by accrediting and monitoring contracted health providers. A second opinion will be required for non-emergency medical procedures.\n- Reduced administrative burden – We take on the responsibility for administering medical benefits and payments.\n- Nationwide Emergency Coverage – Subscribers are guaranteed access to our nationwide emergency care coverage.\n- Utilization Reports – We shall provide an annual analysis of the scheme’s operations and performance as well as periodic reports on payments, expenses and utilization trends.\n- Funding and Payments – The administrator develops and administers a revolving medical claims fund (deposit) which allows for cash flow advantage. The TPA system eliminates the issue of premiums but embraces payments for only genuine medical services rendered.\n- Flexibility – The subscribing organisation sets the financial, dependents and health care provider limits according to the company’s condition of service.", "domain": "economics"}
+{"url": "https://cryptotiger.info/video/crypto-crash-bitcoin/", "date": "2023-12-08T15:16:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100762.64/warc/CC-MAIN-20231208144732-20231208174732-00174.warc.gz", "language_score": 0.9436341524124146, "token_count": 467, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__105976328", "lang": "en", "text": "In November 2018, the cryptocurrency market witnessed a significant and abrupt downturn, commonly called the “November 2018 Crypto Crash.” This event marked a turbulent period for digital currencies, causing concern and speculation among investors and enthusiasts alike.\nSeveral factors contributed to the downturn. One of the primary catalysts was the contentious hard fork in the Bitcoin Cash (BCH) network, a process in which the blockchain splits into two separate chains. The disagreement between two BCH camps, led by Roger Ver and Craig Wright, resulted in a contentious fork that created Bitcoin Cash ABC and Bitcoin Cash SV. This internal strife and the resulting market uncertainty triggered a lack of confidence among investors, leading to a mass sell-off.\nFurthermore, regulatory pressures worldwide played a role in the market slump. Governments and financial institutions in various countries were still grappling with how to regulate and integrate cryptocurrencies into existing financial frameworks. This lack of regulatory clarity created a sense of insecurity within the crypto space, prompting many investors to pull back until a more transparent regulatory path emerged.\nMarket sentiment also suffered from the overall bearish trend prevailing throughout 2018. The enthusiasm and exuberance seen during the bull market of late 2017 had waned, replaced by a more cautious and skeptical approach from both retail and institutional investors. The absence of a significant positive catalyst exacerbated the prevailing negative sentiment.\nAs a result of these combined factors, major cryptocurrencies, including Bitcoin, Ethereum, and Ripple, experienced sharp declines in value during November 2018. Bitcoin, which had reached an all-time high of nearly $20,000 in December 2017, dropped below $4,000 during the crash. Altcoins, or alternative cryptocurrencies, also suffered substantial losses.\nThe November 2018 crypto crash served as a reality check for the crypto community, emphasizing the inherent volatility and uncertainty in the market. However, it also prompted discussions about the maturation of the cryptocurrency space, emphasizing the need for more precise regulations, increased security measures, and improved governance within the industry.\nIn the aftermath of the crash, the crypto market demonstrated resilience by gradually stabilizing, and discussions around regulatory frameworks gained momentum. This event underscored the importance of a cautious and informed approach to cryptocurrency investments, highlighting the need for a well-defined regulatory landscape to foster long-term stability and confidence in the evolving world of digital assets.", "domain": "economics"}
+{"url": "http://acn51693.free-blogz.com/530127/can-you-make-residual-income-by-signing-up-with-acn", "date": "2018-07-18T12:25:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676590169.5/warc/CC-MAIN-20180718115544-20180718135544-00270.warc.gz", "language_score": 0.9735994935035706, "token_count": 575, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__237047714", "lang": "en", "text": "Various other shows premiering tonight consist of the period premieres of \"Community,\" \"Parks as well as Recreation\" and also \"The Workplace\" on ABC, \"The Mentalist\" as well as \"The Big Bang Concept\" on CBS.\nFrom an organisation standpoint, ACN develops its business around network advertising and marketing. It provides a superb payment plan. Being a straight vendor, you can market anything that the company uses and also you reach gain payment on every successful sale. To boost your chance of ending up being effective, you ought to invest your time discovering the business concept. Once you understand business strategy, the following action is to use it to yourself then train others. From a student, you now come to be a trainer as well as you will certainly be awarded for your work. As the team grows, business also expands, which indicates that every participant of the team gets to gain from their effort. This sets multilevel marketing business various from standard company.\nThat Is Your Target Market And Exactly How Will You Obtain Profit?\nThe American Communications Network (ACN Inc.) enables its independent company owner (IBOs) to market all its items and services to customers. ACN Telecommunications does have a large variety of items as well as solutions, from the fundamental necessities to modern living needs. Instances are electricity, internet connectivity, local and cross country telephone solution, residence safety, satellite tv, automation, appeal as well as wellness treatment items, among others. These items as well as services are just what everyone needs. So, marketing these products isn't difficult whatsoever.\nIf you don't know ways to draw in the chilly market, then don't worry due to the fact that professionals at ACN are available to educate you. This is the elegance of collaborating with ACN Products. You will never ever feel alone. You will be bordered by individuals that will aid, train, as well as encourage you to expand your service. Even if you do not have any company background, your chance of becoming effective ACN in ACN is high. Just make the effort to learn the ins and outs of try this site business. Practice what your upline educates you and also have an open mind and favorable personality. Structure your very own company can be extremely difficult at the start, but you will at some point profit as time goes by. With ACN organisation, it is all regarding hard work, commitment, and determination.\nAt the end of the day, the quantity of loan you make depends on your difficult job as well as dedication. Just what's good regarding ACN is that you do not have to go with the process all alone. Help is available. So, whether you are new in the NETWORK MARKETING organisation or otherwise, you have a high opportunity of becoming effective in the ACN company.", "domain": "economics"}
+{"url": "http://www.capitalpaving.net/", "date": "2014-09-02T04:12:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-35/segments/1409535921550.2/warc/CC-MAIN-20140901014521-00417-ip-10-180-136-8.ec2.internal.warc.gz", "language_score": 0.9505637884140015, "token_count": 490, "dump": "CC-MAIN-2014-35", "global_id": "webtext-fineweb__CC-MAIN-2014-35__0__156608725", "lang": "en", "text": "Welcome to Capital Paving Inc.\nCapital Paving Inc. is honoured to be named one of Canada's 50 Best Managed Companies for the fourth year running, achieving the Gold Standard Level in 2013\nCapital Paving is a rapidly growing construction company based in Southwestern Ontario. We specialize in asphalt, aggregate and concrete, and are one of the largest players in the infrastructure and road construction business.\nOver the past decade, we have experienced explosive growth and have more than quadrupled the size of the jobs we undertake, positioning us to aggressively compete in our market.\nWe have played a significant role in many large-scale projects, including test tracks at Toyota Manufacturing's Cambridge and Woodstock operations, major improvements to both Highway 7 and 8, municipal contracts, and 400-series highway jobs.\nFor close to 30 years, Capital Paving has built a solid reputation as one of the region's major asphalt/aggregate contributors, evidenced by our professional achievements. Capital Paving is honored to be named one of Canada's 50 Best Managed Companies (2010, 2011, 2012, and 2013). We are the only company in the province to have won the Ontario Ministry of Transportation's prestigious Paver of the Year Award three times (2000, 2006, 2008). We are also the recipient of numerous other awards for environmental excellence, progressive rehabilitation of lands, property enhancement, and excellence in hot mix asphalt operations.\nAt the core of our business we strive to be competitive and fair, and conduct ourselves with the highest level of integrity. Our goal is to continue to be the best road-building/aggregate company to work for in the province, and we live by our slogan Quality Construction by Quality People. We do this by investing in the development of new partnerships, the strategic management of our team, and the acquisition of cutting edge technology.\nWe have been on a steady climb since 1967 when David L. Stephens first launched a new business in St. Catharines, Ontario. By 1982 Mr. Stephens' company had purchased the remaining assets of Capital Paving, and moved the St. Catharines operation to Capital's head office in Puslinch Township. In 1999 Mr. Stephens turned the company over to his son, Geoffrey Stephens, who now acts as President, and runs the day-to-day operation along with brothers-in-law Larry Wilson, P.Eng., and Jim Kelly, P.Eng.", "domain": "economics"}
+{"url": "http://zuberins.com/about.php", "date": "2017-07-26T18:42:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-30/segments/1500549426372.41/warc/CC-MAIN-20170726182141-20170726202141-00310.warc.gz", "language_score": 0.9559342265129089, "token_count": 461, "dump": "CC-MAIN-2017-30", "global_id": "webtext-fineweb__CC-MAIN-2017-30__0__117772708", "lang": "en", "text": "Founded in 1934, Zuber Insurance Agency has been serving the Houston business community for three generations. J.L. Zuber first created the agency over 80 years ago. Today, his son, Joe Zuber and his grandson, Alan Zuber, operate the company. The Zuber Agency, combined, has over 100 years expertise in insurance. Both Joe and Alan are active in Independent Agents of Texas as well as local civic and charitable organizations.\nZuber Insurance Agency specializes in personalized service. Whether it's commercial, personal, employee benefits or life insurance, Zuber is a leader in the industry with their unique and distinctive plans. In 1987 Zuber Insurance expanded the life insurance area with the addition of Keith Solomon. Keith has taken over as Executive Vice President of the Life & Employee Benefits division. Keith has been with the agency for 24 years and in the insurance business as a licensed agent since 1978. In addition to a degree in Economics from Amherst he has earned the designations of Certified Life Underwriter (CLU), Chartered Financial Consultant (ChFC) and Registered Health Underwriter (RHU). Keith has designed and implemented hundreds of plans over the years, and currently manages benefits for over 80 small to mid-sized companies.\nZuber will work with you on a one-on-one basis to set up strategies tailored to your firm's specific goals. We use carefully selected providers and coordinate an insurance approach for each of our clients.\nWe'll begin by analyzing your present insurance and benefit arrangements, using the latest computerized techniques to ensure no deficiencies, excesses or inconsistencies.\nThrough this detailed process, we will determine a cost effective insurance and benefit policy for you and your company.\nIt shall be the mission of Zuber Insurance Agency, Inc. to operate as a regional, multi-line insurance agency. Within its operating territory, Zuber Insurance will offer the public a wide variety of personal and commercial insurance products as well as insurance related financial services including life, health, financial services and annuity products.\nKeith Solomon offers Investments and Advisory Services to residents of Texas as a representative of Lincoln Financial Securities, Member SIPC. Lincoln Financial Securities and their representatives do not offer legal or tax advice. Please see your individual professional regarding your personal circumstances.", "domain": "economics"}
+{"url": "https://graspingsocialmedia.wordpress.com/2014/08/", "date": "2019-03-26T15:18:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912205534.99/warc/CC-MAIN-20190326135436-20190326161436-00338.warc.gz", "language_score": 0.9569514989852905, "token_count": 823, "dump": "CC-MAIN-2019-13", "global_id": "webtext-fineweb__CC-MAIN-2019-13__0__189099870", "lang": "en", "text": "One of the major shifts we have seen in the past five years or so is that business models are under serious challenge from mobile technology, the Internet, and especially social media. This rapidly changing business model picture is happening because the way that organizations relate to their customers, their employees, and their stakeholders is changing, and social media is driving and shaping much of this. As a result, executives are on notice regarding the need for an urgent change of focus in organization capabilities and how these can help deliver greater business value.\nOne such capability is how to deal with unstructured data and information that is now permeating the Internet especially via social media. Not so long ago, we lived in a world that was highly structured and systematized. Data tended to be tightly organised into rows and columns and tables. Analysis was done by interrogating spreadsheets and using various formulas for interpreting performance in various areas. But advances in technology have caused massive amounts of unstructured data to be created on a scale never thought possible just a few years ago. Here are two examples to highlight the point –\n(1) Growth in Twitter activity – from Twitter Q2 2014 results:\n- Average Monthly Active Users (MAUs) were 271 million as of June 30, 2014, an increase of 24% year-over-year\n- Timeline views reached 173 billion for the second quarter of 2014, an increase of 15% year-over-year.\n(2) What happens in one minute on the Internet – from Intel September 2013:\n- One hundred thousand new tweets\n- Six million Facebook views\n- More than two million search queries on Google.\nThe above provides some insight into the massive amount of data that is being generated. But the key point is that it is largely unstructured data. With social media, the main type of data is commentary, text and photos that come in many different forms and languages. It is not information collected in a structured form that is easy to summarise and analyse. Organisations are therefore challenged in how their capabilities need to be re-shaped to make some sense of all the data that is relevant to them. Consumer facing businesses like airlines, banks and retailers have a vital interest in the patterns that are emerging in comments and chats on social media. How are these potentially impacting their brand, their products and competitor moves?\nRecent growth in the field of analytics has meant that sensible conclusions and decisions can now be more effectively made from these large volumes of data. This is especially true for the analysis of information emerging from unstructured data from social media. Pattern recognition is a key capability and interestingly the use of some skills outside of the traditional technology fields is starting to emerge.\nThe issue is not whether these capabilities need to be re-shaped but rather how quickly they will change organizations as we know them. The winners will be those organizations and industries that strongly embrace these capabilities as truly new change initiatives and deliver them accordingly to add value.\nFor many organizations, this will represent a major challenge. It does require the discipline to take a reality check on future directions and priorities. For instance, a transport business would need to ask about its capability in managing, say, a growing pattern of customer frustration regarding their booking systems. As part of this consideration, it would also need to assess how quickly such a capability can be developed or acquired, and the cost of the investment.\nOrganizations need to consider four factors:\n- Think of the building of new capabilities as a major business change initiative – not just recruiting a few more analysts\n- Consider new capabilities in the context of real competitive advantage – not just a systems improvement or upgrade\n- Drive the change from the C-suite – new capabilities need the right level of investment and commitment from the most senior levels in the business\n- Build new thinking in the business – patterns in social media provide the opportunity for a new agenda for the future\nAs French author and Nobel Prize winner Andre Gide once said, “One cannot discover new oceans without the courage to lose sight of the shore”.", "domain": "economics"}
+{"url": "https://www.soymeal.org/soy-meal-articles/the-nutritional-value-of-u-s-soybean-meal/", "date": "2021-02-25T22:16:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178355937.26/warc/CC-MAIN-20210225211435-20210226001435-00190.warc.gz", "language_score": 0.9064774513244629, "token_count": 337, "dump": "CC-MAIN-2021-10", "global_id": "webtext-fineweb__CC-MAIN-2021-10__0__1770957", "lang": "en", "text": "Decades of sampling and analytical measurement of soybean and soybean meal have documented the nutritional advantages and added value of U.S. soybeans and U.S. soybean meal compared to soybean meals of other origins. U.S. soybean meal provides a “Total Value Package” that is composed of the most valuable nutrients needed in animal diets:\n• Superior amino acid profile and amino acid digestibility\n• Increased metabolizable energy\n• Lower fiber content\n• Higher total phosphorus\n• Greater uniformity among batches\nThe unique nutrient profile of U.S. soybean meal has a significant value when compared to soybean meal of other origins. This superior value will produce improved profitability through ration efficiency and lower feeding costs. Intensive animal production is driven by bottom line profits and optimum animal performance and efficiency.\nLeast Cost Formulation is used to optimize ration cost and animal performance but should utilize accurate nutrient profiles for the various soybean meals of different origin to generate rations which will produce the desired performance. Feeding studies around the world have compared soybean meal from other countries to U.S. soybean meal. Results consistently show a significantly higher nutrient profile resulting in lower feeding costs and better performing animals when the rations contain U.S. soybean meal.\nAnimal agriculture is facing a technical evolution, addressing best management practices while balancing optimum profitability and minimized environmental impact. U.S. soybean meal, supported by its superior nutritional and quality values, will allow animal production enterprises to achieve these goals.\nU.S. soybean producers provide the feed industry with the most consistent and reliable source of soy protein in the world.", "domain": "economics"}
+{"url": "https://www.toyotaofsylacauga.com/buy-vs-lease-which-is-best-for-you/", "date": "2022-08-17T19:10:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882573104.24/warc/CC-MAIN-20220817183340-20220817213340-00708.warc.gz", "language_score": 0.964559018611908, "token_count": 511, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__117650510", "lang": "en", "text": "Buy Vs. Lease: Which Is Best For You?\nChoosing between buying a car and leasing is complicated. Both offer their own incentives and downsides. The purchase of a new car carries the weight of higher monthly payments, but you get to own it, while leasing a vehicle offers lower payments with the ability to drive around in a new expensive car, but your payments will never cease if you continue to lease.\nTo find out whether you should purchase or lease a car, here are a few pros and cons.\nUpsides Of Leasing\nIf you’d rather swap out a new car every few years, then leasing is perfect for you. Upsides include lower monthly payments, you get to drive around in a late-model vehicle that is covered under the manufacturer’s new-car warranty, the lease could include free oil changes and other maintenance, you get to drive around in a vehicle that might be too costly to purchase outright, and you don’t have to worry about the car’s trade-in value.\nDownsides Of Leasing\nThe downside of leasing are that you will continue to pay monthly payments if you continue to lease, contracts specify that you can only drive a certain amount of miles, which will initiate a mileage penalty if you exceed the mileage requirements, you have to properly maintain the vehicle or you’ll face wear-and-tear charges, and termination fees are costly if you have to end the lease for any reason.\nBuying Or Leasing\nHere are some major differences between buying and leasing:\nBuying: You own the vehicle.\nLeasing: You have to return the vehicle after a given time.\nBuying: Loan payments are usually higher and can include interest, other finance charges, taxes, and fees.\nLeasing: Lease payments are always lower than loan payments.\nBuying: You can sell or trade in the vehicle at any time to help pay off the loan balance.\nLeasing: Ending the lease early will ensure that you are hit with costly charges.\nBuying: The vehicle will depreciate as soon as you leave the lot.\nLeasing: The future value of your lease has no impact on you, but you have no equity in the vehicle.\nBuying: You can drive the vehicle as often and for as long as you want without any worries.\nLeasing: You must pay extra charges if you go over the allotted mileage that the lease states.", "domain": "economics"}
+{"url": "http://seminar.ramah.org.il/tuition-scholarships/", "date": "2017-06-28T22:38:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-26/segments/1498128323807.79/warc/CC-MAIN-20170628222452-20170629002452-00018.warc.gz", "language_score": 0.9453880190849304, "token_count": 419, "dump": "CC-MAIN-2017-26", "global_id": "webtext-fineweb__CC-MAIN-2017-26__0__18528211", "lang": "en", "text": "Tuition is listed before scholarship.\n|$8,150||land only (without flight).|\n|$9,630||including flight from NY area|\n|$250||additional cost from Toronto|\n|$400||additional cost from Los Angeles|\n|$2,970||Poland Seminar (optional addition)|\nTuition includes the entire program: fees and taxes, all room and board, health insurance, and group t-shirt and photo.\nNOT included in tuition are: laundry charges (approximately $11 per load), expenditures for personal gifts, costs incurred during the participant’s free time, transportation to and from host families, airline luggage surcharges, and other personal expenditures.\nPlease note that tuition has been set with consideration of anticipated 2017 prices in fuel, land, and travel costs. If a significant change occurs in costs (especially with regard to airfare), an adjustment of tuition may be made to offer the program without compromising its quality.\nEarly Registration Discount\nIf you start your online application and pay the $1,000 deposit by November 1st, 2017, you will receive an early registration discount of $150.\nIf you also apply for Poland Seminar by November 1st and pay the deposit, you will pay last year’s price ($2,890).\nCanada residents receive a $1,000 USD discount-Tuition payment is in USD.\nThose who prefer to make their own round-trip flight arrangements to Israel will be billed a total of $8,150, which excludes air travel.\nParticipants must be ready to participate promptly in the start of our program in Israel on June 28, 2017. Participants will have to make their own arrangements for ground transportation to and from the airports, ticket confirmation, etc. Ramah staff are not responsible for accompanying land only participants to and from the Seminar base.\nParticipants in the Poland Seminar may not enroll on a land only basis, as we require all participants to travel together on our group flights to Warsaw.", "domain": "economics"}
+{"url": "https://www.eotitle.com/escrow-services", "date": "2024-02-29T15:15:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474843.87/warc/CC-MAIN-20240229134901-20240229164901-00705.warc.gz", "language_score": 0.9084047675132751, "token_count": 478, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__37620528", "lang": "en", "text": "WHAT IS ESCROW\nIn a real property transaction, Escrow is the delivery by the buyer and seller of legal instruments and money to a third person who completes the transaction in strict accordance with the instructions of the parties.\nWHY USE ESCROW\nEscrows provide a mechanism to assure safety and convenience in carrying out the provisions of an earnest money agreement, and to assure that the rigid body of rules peculiar to real property transfers is carefully observed.\nWHO PAYS ESCROW FEES\nThe escrow fee is usually split between the buyer and seller, but this can be changed by agreement of the parties.\nHOW DOES THE SELLER BENEFIT FROM AN ESCROW\nThe seller is assured that the transaction will be properly and promptly closed. Specially trained personnel will see that every detail of the instructions are carefully followed, and that title will not pass to the buyer until the purchase prices is fully paid, or the seller's provision as to security for unpaid balances is fulfilled. If the seller intends to use part of the purchase price to satisfy liens on the property, the escrow provides an efficient method for paying off the lien holder.\nHOW DOES THE BUYER BENEFIT FROM AN ESCROW\nThe buyer is assured that the transaction will be closed in accordance with buyer's instruction, and that the funds will not be paid to the seller until the transaction is properly completed. If the buyer needs to use the property as security for a loan to pay part of the purchase price, the escrow guarantees the lender that title is exactly as required, and provides a safe method for delivery of loan proceeds or security documents.\nWHAT SERVICES DOES AN ESCROW AGENT PERFORM\nPrepares the necessary instructions from the buyer and seller\nReceives the necessary documents and funds\nPro-rates interest on liens to be assumed\nPro-rates and obtains endorsement of existing fire insurance policies when requested by a lender or a party to the escrow\nClears checks deposited by the purchaser through banking channels\nObtains title insurance for protection of buyer and lender\nCloses the transaction when instructions of the buyer and seller can be satisfied by recording legal documents and disbursing funds\nPays liens and costs authorized by parties\nFurnishes each party with a closing statement showing disposition of funds in the transaction", "domain": "economics"}
+{"url": "https://www.arabswin.com/en/bitcoin-sports-betting-sites/", "date": "2024-02-24T16:16:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474541.96/warc/CC-MAIN-20240224144416-20240224174416-00504.warc.gz", "language_score": 0.9282599091529846, "token_count": 1695, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__135306654", "lang": "en", "text": "Bitcoin is a decentralised digital currency that has revolutionised how people make online transactions. It allows for fast, secure, and low-cost transfers without the need for intermediaries like banks. Online sports betting sites have quickly caught on to the benefits of Bitcoin and are increasingly accepting it as a form of payment.\nOnline Sportsbooks That Accept Bitcoin Payments\nTop Sports Betting Sites That Accept Bitcoin as a Payment Method\nBelow are some betting sites which support Bitcoin as a transaction method.\n1xBet, which covers over 60,000 events per month, is a haven for sports fans who want to experience the thrill of betting on their favourite games. Whether you’re a football, basketball, or tennis fan, 1xBet caters to all. Additionally, the betting site offers a range of features like Cashout and Bet Builder to enhance your chances of winning big. But the payment options available are what sets 1xBet apart from the competition. It supports various card payments and e-wallets, including Visa, Mastercard, and Neteller. Even better, 1xBet is one of the bookmakers that accept cryptocurrencies such as Bitcoin.\nBetfinal is a bookmaker based in Cyprus that was established in 2013. A decade providing bettors with excellent platform. You’ll have a blast here with multiple bonuses and promotions, live betting, live streaming, and a virtual sportsbook. Not only that but Betfinal covers over 40 sports, including well-known events like basketball as well as obscure ones like Gaelic football. In terms of transactions, Betfinal accepts a couple of banking methods, including ecoPayz, Bitcoin, Visa, and Mastercard, through which you can deposit and withdraw funds at your leisure.\nMelbet, which was founded in 2012, is a Curacao-based Bitcoin sports betting site with quite a reputation. Melbet offers a wide variety of sports to bet on such as football and cricket. Melbet accepts bets via desktop or mobile, and they’ve even created a mobile app for bettors on the go. Aside from sports betting, Melbet offers fantastic promotions, such as a 100% welcome bonus up to $200 to keep you going. One option to pay is using Visa or Mastercard. Furthermore, Melbet allows you to make anonymous transactions using cryptocurrencies such as Bitcoin.\nDespite being a relatively young betting platform, Betwinner has over 400,000 existing players. How has it amassed such a large following? Well, Betwinner provides a wide range of betting opportunities, with more than 40 diverse markets and numerous live and pre-match events to choose from. Furthermore, Betwinner offers a variety of betting markets, such as Match Winner and Asian Handicap. What’s more, the site provides markets for popular sports such as football, horse racing, greyhound, golf, baseball, ice hockey, cricket, Formula One, and basketball. You can transact using banking methods like Qiwi, Yandex, and Bitcoin.\nAdvantages of Using Bitcoin for Sports Betting Transactions\nIt’s no coincidence that numerous betting sites have hopped on board the Bitcoin train. There must be a multitude of benefits that come with integrating this cryptocurrency into their platforms. Now, let’s delve into a few of those advantages.\n- Faster Transactions: Most payment methods usually take days to process a transaction. Meanwhile, Bitcoin takes mere minutes to process the withdrawal so it is a great option.\n- It is Decentralised: Bitcoin is not run or associated with any financial institution, bank or governments. You can therefore transact freely without worrying about what will happen to your money even in the case of an economic crash.\n- Security: Bitcoin doesn’t require you to share your personal information, preventing fraud and identity theft. Additionally, there’s no need to worry about chargebacks, as once a transaction is documented, it’s set in stone and can’t be modified or undone.\n- Little or No Transaction Fees: When transacting via Bitcoin, you won’t encounter additional transactional fees simply because there are no intermediaries. The only fee you’ll find is when converting Bitcoin into fiat currencies.\nComparison of Bitcoin With Other Payment Methods Used in Sports Betting\nThanks to its unique features, Bitcoin has emerged as a popular payment method in the sports betting industry. The big question remains how it stacks up against the competition?\nBitcoin transactions are usually processed within roughly 30 minutes, which is way faster than most payment methods. Take e-wallets, for example; when withdrawing from betting sites, you’ll have to wait 1 to 3 days for the payment to reflect. Card payments take even longer and you may wait 7 days to get payment to your account.\nMost sports betting payment methods, particularly e-wallets like Neteller, can charge high transaction fees for international transfers. On the other hand, Bitcoin transactions typically have much lower fees, primarily associated with conversion to fiat currencies.\nIn addition, Bitcoin has better anonymity than other payment methods especially traditional ones. you will share your personal information if you use card payment or e-wallets but with Bitcoin transactions you will only need your address so all in all you will have better privacy and security.\nHow to Set Up a Bitcoin Account for Sports Betting\nAs we’ve seen above, there are numerous perks to transacting with Bitcoin. However, before using Bitcoin sports betting sites, you must set up a Bitcoin account. In the guide below, we’ll walk you through the steps to create a Bitcoin account and start using it for sports betting.\n- Pick a trustworthy wallet provider : You need to make sure you are using a decent Bitcoin wallet providers so you don’t fall to any scams. Some popular options include Coinbase, Blockchain.com, and Trezor.\n- Create an account: Pick a Bitcoin provider then register an account. This usually involves providing some information and verifying your identity.\n- Add Bitcoin to your wallet: The Bitcoin you bought from an exchange or from someone you can easily add it to the account your created.\nHow to Use Bitcoin in Sports Betting Sites\nNow that you’ve set up a Bitcoin account, all that’s left is using the crypto for sports betting. Here’s how you do it.\n- Choose a Bitcoin sports betting site: Not all betting sites accept Bitcoin, so you’ll need to pick one that does.\n- Sign up: So you have decided on a sports betting site that accepts Bitcoin? Excellent now comes the part where you need to sign up and it is just as easy as any other website you registered to by simply entering the required details.\n- Navigate to the deposit section: After you have created an account with the sports betting site, navigate to the deposit page.\n- Choose Bitcoin and enter an amount:On the deposit page pick the Bitcoin option as your deposit method and enter the amount of Bitcoin you want to deposit.\n- Copy the sports betting site’s Bitcoin address: On the deposit page, you will be provided with a unique Bitcoin address for the sports betting site, which you’ll need to copy.\nSending The Bitcoin: the sports betting site will provide you with an address just send the Bitcoin you have to that address and you should be done.\n- Wait for confirmation: Bitcoin transactions take a couple of minutes so wait for confirmation before placing your bets.\nFAQs About Using Bitcoin in Sports Betting\nSince Bitcoin sports betting transactions are a relatively new concept, various questions have been raised concerning it. Below, we’ve covered some of the most common ones and their answers.\nYes, it is. Bitcoin doesn’t usually require you to share your personal information; thus, fraud and identity theft cases are rare. Additionally, there’s no need to worry about chargebacks, as once a transaction is documented, third parties cannot alter it.\nYou can get Bitcoin from mining which is time consuming or you can buy it from a cryptocurrency exchange or finally get it as a payment from a service you do to someone else.\nUsing Bitcoin for sports betting has several advantages, including faster transactions, lower fees and greater privacy and security.", "domain": "economics"}
+{"url": "https://phaedrus-audio.com/how2buy.htm", "date": "2023-09-26T23:31:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510225.44/warc/CC-MAIN-20230926211344-20230927001344-00480.warc.gz", "language_score": 0.8630448579788208, "token_count": 261, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__179290853", "lang": "en", "text": "How to buy....\nFor details of how to buy Phædrus Audio products where you are, please contact\nor call us on +44 203 289 1647.\nWe accept payments by PayPal and will ship worldwide. Please contact firstname.lastname@example.org.\nInternational buyers, please note:\n- Import duties, taxes and charges are not included in the item price; neither are P&P charges: these charges are the buyer’s responsibility.\n- Customers in the EC will be charged VAT\n- Please check with your country’s customs office to determine what these additional costs will be prior to buying.\n- These charges are normally collected by the delivering freight (courier) company or when you pick the item up..... Do not confuse them for additional P&P charges.\n- We do not mark merchandise values below value or mark items as 'gifts' - international government regulations prohibit such behaviour.\nPhædrus audio Terms and Conditions are here.\nBack to home page\nAddress all mail to email@example.com\nMaidstone . Kent . UK .\n© Phædrus Audio 2016. All rights reserved.", "domain": "economics"}
+{"url": "https://www.greenlightautowholesale.com/used-car-warranty-service-contracts-Daly-City-CA", "date": "2023-06-05T16:14:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224652149.61/warc/CC-MAIN-20230605153700-20230605183700-00016.warc.gz", "language_score": 0.9517396688461304, "token_count": 334, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__57701906", "lang": "en", "text": "COMPLETE NEW CAR WARRANTY\nWe only offer complete new car coverage, which is the closest plan to the manufacturer’s full factory warranty. We offer this plan at a low cost to ensure significant value and peace of mind.\nVEHICLE SERVICE CONTRACTS\nGenerally, dealers offer vehicle service agreements (VSA) to maximize profits by selling the cheapest coverage with the largest profit margin. That’s why the public consensus is to steer clear from VSAs when buying a car from a dealership. But we’re no ordinary dealership. When we signed up with our VSA partner, we looked for a trusted company that offered the closest coverage to the manufacturer’s factory warranty (including EV & hybrid components). Most dealers shy away from offering such plans as their costs are higher, resulting in lower profits. However, profit maximization was not our focus when we chose our VSA partner.\nPoints to consider...if the vehicle you’re purchasing is still under the manufacturer’s warranty, the VSA cost is dramatically lower. Coupled with the fact that we price all plans below retail, it's usually a good buy. Our goal for our clients is to appreciate the value of the VSA down the road, not a regrettable decision.\nAverage price for a 5-year/50k additional full warranty is roughly $1,635. However, prices are VIN-specific and can be customized for low or high-mileage drivers. Please contact us for a customized quote.\nKeep in mind, we only sell service contracts we’d buy for our own cars.", "domain": "economics"}
+{"url": "https://accessrebates.ca/yukon/yukon-investment-property-rebate/", "date": "2024-04-13T15:35:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816820.63/warc/CC-MAIN-20240413144933-20240413174933-00435.warc.gz", "language_score": 0.9307833313941956, "token_count": 491, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__30750765", "lang": "en", "text": "If you have purchased a newly built home, townhome, or condominium within the last 2 years with the intention of renting out the property, and it has a fair market value of $450,000 or less, then you are entitled to the tax-free Investment Property Rebate of up to $6,300 from the Government.\nWhat type of properties is eligible for the Investment Property Rebate in Yukon, Canada?\nIn order to qualify for the Investment Property Rebate you must have purchased a New (never been lived in before):\nPurchases of Multi-unit Investment properties do not qualify. These include duplexes, triplexes, and apartment buildings.\nHow long do I have to apply for the Investment Property Rebate in Yukon, Canada?\nAn Investor has 2 years from the date of closing to apply for the Investment Property Rebate. After this time the Investment Property Rebate is no longer claimable.\nDo I need to live in Yukon, Canada in order to apply for the Investment Property Rebate?\nAn Investor does not have to reside in Canada in order to apply for the Investment Property Rebate. If you have brought a new investment property you are entitled to receive the Investment Property Rebate no matter where you live in the world.\nWhat happens if I purchased the property in Yukon, Canada to flip it?\nWhat happens if I bought the property to live in Yukon, Canada, but I am renting it now instead?\nIt is very common to change your mind on the use of a property after it is purchased. As life changes, what we originally intended does not always happen. If you purchased a property with the intention of living in it, the builder can apply for an Investment Property Rebate on your behalf. This reduces the price of the home to the purchaser and the taxes owed to the Government by the builder.\nIn most cases, the home purchaser has no idea this has happened. If you then decide to rent the home instead of living in it, the Investor (homeowner) will more than likely receive a tax bill from CRA for the Investment Property Rebate applied to the new home purchase.\nThe Investor will then need to apply for an Investment Property Rebate which offsets the bill from CRA. Again, this must be done within 2 years of purchasing the investment property or the Investment Property Rebate will no longer be claimable.", "domain": "economics"}
+{"url": "http://www.nickyh.co.nz/next-door-sold-for-1-million-why-cant-i-sell-my-home-for-the-same-price/", "date": "2018-03-22T23:00:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-13/segments/1521257648103.60/warc/CC-MAIN-20180322225408-20180323005408-00461.warc.gz", "language_score": 0.9401959180831909, "token_count": 456, "dump": "CC-MAIN-2018-13", "global_id": "webtext-fineweb__CC-MAIN-2018-13__0__36194667", "lang": "en", "text": "This is a good question and one that I hear often. So, in this post, I explain why properties, although similar, often sell for different prices.\nHow are properties different?\nEvery home is unique — some feature ocean views, others are newly renovated; some boast an extra bathroom or bedroom; others get more sun. It is this uniqueness that attracts buyers and influences the price. So, you just can’t assume the value of your neighbour’s house is the same as yours.\nSome factors that influence price:\n- Location — this includes the proximity of your home to public transport, schools, or shops.\n- Layout & size — some people value large homes; others just see them as harder to maintain. Also, open-plan is often popular because it creates an atmosphere of space.\n- Condition & age — well-looked-after historic homes or new homes often command higher prices. And, if your property is in tip-top condition, buyers may spend more because they won’t have to fork out for expensive renovations.\n- Improvements — Additions to your home are a good thing. However, the value of an ‘over improved’ home will diminish if it doesn’t fit in with other homes on the street.\n- Unfavourable events — events such as a fire, amphetamine contamination or violent crime can devastate the value of a home.\nIn residential property, no two homes, timings, or values are the same.\nThere is also timing\nLike commodity prices, the property market moves up and down over time. And, many factors influence it, both locally and internationally.\nAn overseas example is the emergence of the Chinese buyer in New Zealand. For a few years, there appeared to be a never-ending supply of investors and money from China. Now, we see a time when it is not so easy for the Chinese to export their money.\nZoning is a local example. The implementation of the Auckland Unitary Plan has altered the value of some properties for the better, and in some cases for the worse.\nSo, you see, in residential property, no two homes, timings, or values are the same.", "domain": "economics"}
+{"url": "https://www.katarzynki.pl/en/news/THE-FIRST-DIAMOND-POLYMER-PROSPERITY", "date": "2023-09-28T20:57:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510454.60/warc/CC-MAIN-20230928194838-20230928224838-00536.warc.gz", "language_score": 0.9474232792854309, "token_count": 244, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__19066355", "lang": "en", "text": "It is our pleasure to share with you the news about another distinction for our Company on the market of plastic products. Mrs. Halina Błażejewicz has been declared on March 26th, 2015, the award winner of the First Diamond to the Crystal Statuette POLYMER PROSPERITY. The Statuette POLYMER PROSPERITY is the Prize for the Best Plastics Processing Plants in Poland. It was a great distinction for our Firm to be awarded both this Statuette and then the Diamond to this Statuette. The Diamond, received now additionally, increases our motivation to continue our activity and to keep on developing our Firm. We are honoured to be distinguished with this prize award, reserved for the companies holding high positions on the market, showing effectiveness in financial management, business reliability and trustworthiness. At the same time, we do not forget that we owe to the great number of our Customers and Partners our ability to efficiently act and to strengthen together with you our position upon the market of plastic processing.\nWe thank all our business partners for the past and present cooperation. We hope very\nmuch that we will together promote the plastics market in our country.", "domain": "economics"}
+{"url": "http://sameday.plc.uk/index.asp", "date": "2021-12-05T08:52:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363149.85/warc/CC-MAIN-20211205065810-20211205095810-00569.warc.gz", "language_score": 0.959618866443634, "token_count": 156, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__75037548", "lang": "en", "text": "Sameday plc now have an enviable reputation for being the logistics specialist of choice for people who need a solution for their own particular logistics problem.\nIt is true that Sameday plc will happily move a package from, say, Birmingham to London on the same day and do it effectively. Where we really come into our own is where your organisation is faced with a more problematic and complicated logistics scenario that requires a unique solution. The required solution is likely to be beyond the capability of most standard operators.\nNot only are we expert in providing a solution, but we will do so at a highly competitive price and to the highest level of service which we have consistently maintained since we first started the Company in 1991 – and we measure and monitor our service level continually.", "domain": "economics"}
+{"url": "https://technetworkissue.com/pixel-6-price/", "date": "2024-04-19T06:14:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817289.27/warc/CC-MAIN-20240419043820-20240419073820-00863.warc.gz", "language_score": 0.9376141428947449, "token_count": 603, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__166693460", "lang": "en", "text": "The Pixel 6, Google’s latest flagship smartphone, has been making waves in the tech world since its release. One of the most talked-about aspects of this device is its price. Priced competitively compared to other flagship smartphones on the market, the Pixel 6 price offers consumers a powerful device at a more accessible price point. In this article, we’ll delve into the Pixel 6’s pricing strategy, its impact on the smartphone market, and what it means for consumers.\nGoogle made a bold move by pricing the Pixel 6 lower than its competitors. With a starting price that is notably lower than other flagship smartphones such as the iPhone 13 and Samsung Galaxy S21, the Pixel 6 price offers a compelling value proposition. By offering high-end features at a more affordable price, Google is aiming to attract a broader range of consumers who may have been hesitant to invest in a flagship device in the past.\nDespite its competitive price, the Pixel 6 doesn’t skimp on features. It boasts a range of impressive specifications, including a powerful processor, a stunning display, and an advanced camera system. The device also comes with the latest version of Android, ensuring users have access to the latest software features and updates.\nOneThe Pixel 6’s camera setup is one of its best features. Equipped with a dual-lens setup, including a wide and ultra-wide lens, the Pixel 6 delivers stunning photos and videos in any lighting condition. Google’s advanced image processing algorithms further enhance the quality of photos, making the Pixel 6 a top choice for photography enthusiasts.\nThe Pixel 6’s competitive pricing has had a significant impact on the smartphone market. By offering a high-quality device at a lower price point, Google has disrupted the traditional pricing model in the industry. Other smartphone manufacturers may be forced to reevaluate their pricing strategies in order to remain competitive.\nAdditionally, the Pixel 6’s competitive pricing has helped Google gain market share in the smartphone industry. By offering a compelling alternative to other flagship devices, Google has attracted a broader audience of consumers who may have previously overlooked the Pixel lineup.\nThe Pixel 6’s competitive pricing has been met with enthusiasm from consumers. Many tech enthusiasts and budget-conscious consumers alike have praised Google for offering a high-quality device at a more affordable price. The Pixel 6 has quickly gained a loyal following of users who appreciate its combination of performance, features, and value.\nIn conclusion, the Pixel 6’s pricing is a game-changer in the smartphone market. By offering a high-quality device at a more accessible price point, Google has disrupted the traditional pricing model in the industry and gained market share in the process. With its impressive features and competitive pricing, the Pixel 6 price is a top choice for consumers looking for a flagship smartphone without breaking the bank.", "domain": "economics"}
+{"url": "https://www.sitnsleep.com/blogs/blog/how-to-save-money-buying-a-mattress", "date": "2024-02-26T20:22:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474663.47/warc/CC-MAIN-20240226194006-20240226224006-00553.warc.gz", "language_score": 0.9002799391746521, "token_count": 457, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__196510102", "lang": "en", "text": "How to Save Money Buying a Mattress at Sit ’n Sleep\nPurchasing a new mattress is a big investment; luckily, there are many great money saving solutions to help you purchase the perfect mattress at an affordable price. Here are some great ways you can save money on your next mattress purchase at Sit ‘n Sleep.\nJoin The Club\nLook for a mattress retailer that offers membership discounts. Sit ‘n Sleep’s VIP club members save $100 on any purchase of $999 or more. Join for free to instantly receive your $100 coupon to use towards your next mattress purchase.\nWhen you’re buying a new mattress, don’t forget to ask about shipping fees. The cost to ship a mattress varies by product’s dimensions, weight and length of transport, and those costs can add up quickly. Sit ‘n Sleep helps customers save even more by benefiting from our free ground shipping. That’s more money you use toward a new bed frame, pillows, and other accessories to complete your purchase.\nIf you’re in the market for a new mattress, don’t forget to ask about special offers and clearance items. Sit ‘n Sleep always has amazing hot deals on select mattresses year-round. Our deals change frequently, so if you don’t find what you’re looking for on sale today, check back again tomorrow for instant savings.\nCan’t pay the full ticket price up-front? Some mattress stores offer financing options that work with almost any budget. Sit ‘n Sleep’s 90 day deferred payment plan lets you pay off the balance of your purchase over the course of three months. A down payment of 25% is required at the time of purchase and no credit check is necessary.\nSave Money Buying A Mattress at Sit ‘n Sleep\nDon’t spend another night tossing and turning. Head to Sit ‘n Sleep today to save on the perfect mattress for a great night’s sleep. We’re dedicated to providing you with the restful night’s sleep you need. Not only do we keep your comfort in mind, but your budget, too.", "domain": "economics"}
+{"url": "http://www.american1040.com/accounting1.html", "date": "2018-05-26T03:51:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794867309.73/warc/CC-MAIN-20180526033945-20180526053945-00150.warc.gz", "language_score": 0.9463884234428406, "token_count": 201, "dump": "CC-MAIN-2018-22", "global_id": "webtext-fineweb__CC-MAIN-2018-22__0__111000697", "lang": "en", "text": "Business Specific Services\nServices of interest to business owners and senior management are provided by expert staff specializing in accounting and bookkeeping functions. Save time and grief. Our process usually has our people completing your books in one quarter the amount of time it takes a staff member not dedicated exclusively to the function.\n- Accounting and Payroll: Basic Services every business requires for tax and legal compliance.\n- Entity Formation: Thinking of establishing a legal entity to reduce liability in your small business? We can help!\n- Coaching: Need a visionary accountability partner to help you make the most out of your personal life goals and enterprise? Personal and Executive Coaching available to a limited number of clients.\n- Business Rescue: Feeling like you've put your heart into your business and the rewards aren't coming? When everything seems to be falling down around you and nothing you do seems to reverse the course your business is on we're here to assess and provide sound advice and strategies on recovery, realignment and exit.", "domain": "economics"}
+{"url": "https://columbusflooringcity.com/engineered-wood-flooring-cost/", "date": "2024-04-22T14:11:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818293.64/warc/CC-MAIN-20240422113340-20240422143340-00211.warc.gz", "language_score": 0.9332246780395508, "token_count": 2968, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__180511264", "lang": "en", "text": "When it comes to enhancing the aesthetics and functionality of your home or space, engineered wood flooring is an excellent choice. Its blend of natural beauty, durability, and affordability has made it a popular flooring option for many homeowners. However, before diving into your flooring project, it’s essential to understand the cost considerations associated with engineered wood flooring. In this comprehensive guide, we will explore the factors that influence the cost of engineered hardwood flooring materials, including wood quality, species, thickness, finish, and installation complexity.\nAdditionally, we will compare the cost of engineered wood flooring with other popular flooring options, such as solid hardwood, laminate, vinyl, and tile. By the end, you’ll have a clearer understanding of how much-engineered wood flooring costs and be equipped with the knowledge to make an informed decision for your flooring project.\nUpgrade your home with Columbus Flooring City: Find the perfect flooring solution that aligns with your unique style and budget, with a wide range of options including eco-friendly and modern engineered wood.\nUnderstanding Engineered Wood Flooring:\nFirst things first, let’s clarify what engineered wood flooring is all about. Engineered wood is a popular alternative to solid hardwood flooring. It consists of multiple layers of real wood veneer bonded together, with a supportive core made of plywood or high-density fiberboard (HDF). This construction provides enhanced stability and resistance to moisture, making it suitable for a variety of spaces, including areas prone to humidity fluctuations, like kitchens and basements.\nFactors Affecting the Cost of Engineered Wood Flooring\nNow that we know the basics, let’s delve into the factors that influence engineered wood flooring cost. Understanding these factors will help you make informed decisions and find the perfect balance between cost and quality:\nQuality and Grade of the Wood:\nThe quality and grade of the wood veneer used in engineered flooring significantly impact the cost. Engineered wood flooring is available in various grades, such as select, rustic, or prime. Higher-quality veneers derived from premium wood species like oak, walnut, or hickory will generally be more expensive than lower-grade alternatives. Select grades feature fewer knots and blemishes, offering a more uniform and refined appearance, while rustic grades embrace the natural characteristics and imperfections, providing a more authentic and rustic charm.\nType of Wood Species Used:\nDifferent wood species come with varying price tags due to their availability, demand, and unique characteristics. Common choices like oak and maple are usually more affordable, making them popular options for those on a tighter budget. However, if you desire a more luxurious and exclusive look, exotic woods such as teak, Brazilian cherry, or mahogany can be pricier due to their rarity, durability, and striking grain patterns.\nThickness and Construction of the Engineered Wood:\nEngineered wood flooring thicknesses typically range from 3/8″ to 3/4″. Thicker planks tend to be costlier due to the larger amount of real wood veneer used in their construction. They offer enhanced durability and longevity, as they can withstand more wear and tear over time. Thicker engineered wood flooring also provides better sound insulation and can often be sanded and refinished multiple times, extending its lifespan.\nFinish and Surface Treatments:\nThe type of finish and surface treatments applied to the engineered wood flooring can affect both the price and the overall look of the floor. Engineered wood flooring comes in various finishes, including smooth, hand-scraped, wire-brushed, or distressed. Smooth finishes, which offer a sleek and uniform appearance, are usually more affordable. On the other hand, finishes that create a distressed or aged look, like hand-scraped or wire-brushed, require additional labor and craftsmanship, making them slightly pricier.\nInstallation Method and Complexity:\nThe installation method and the complexity of your project can impact the engineered wood flooring cost. Professional installation is recommended for a flawless finish, ensuring proper subfloor preparation, acclimation, and precise installation techniques. The complexity of the installation, such as intricate patterns, herringbone designs, or custom borders, may incur additional charges due to the increased time and expertise required. Also, the engineered wood floor installation cost depends on the method you choose.\nAdditional Features or Customization Options:\nSpecial features and customization options can add to the cost of engineered hardwood flooring materials. Beveled edges, for instance, create a distinct look by highlighting the individual planks, but they may come at a premium compared to standard square edges. Wider plank widths, such as 7″ or 9″, can provide a more expansive and luxurious feel but can be pricier due to the higher material costs. Unique installation patterns like chevron or basket weave can add complexity and may require skilled installers. Customization options such as staining or wire brushing to achieve specific colors or textures may also come with an extra price.\nDiscover unmatched elegance by visiting Columbus Flooring City, where you’ll find a vast selection of flooring materials, from stunning hardwood to durable ceramic tiles, all designed to add timeless elegance to your living spaces.\nExploring the Price Range of Engineer Wood:\nLet’s delve into the price range you can expect when shopping for engineered wood flooring. It’s important to note that the engineered wood flooring cost can vary significantly based on factors such as wood species, quality, thickness, finish, and regional factors.\nFrom $5 to $15 or more, the cost per square foot or square meter of engineered wood flooring depends on what and how much you are purchasing. However, it’s difficult to have a general estimate of cost when there are several variables influencing the final price.\nWood Species and Quality:\nAs we discussed earlier, the type of wood species used in engineered wood flooring can affect the cost. Common wood species like oak and maple are typically more affordable, while exotic woods such as teak or Brazilian cherry can be pricier due to their rarity and unique aesthetics. Additionally, higher-quality wood veneers and grades will generally come at a higher price point.\nThickness and Construction:\nThicker planks of engineered wood flooring tend to be costlier due to the larger amount of real wood veneer used in their construction. Thicker flooring options offer enhanced durability and longevity. However, thinner options can still provide a beautiful and reliable flooring solution at a lower cost.\nFinish and Surface Treatments:\nThe type of finish and surface treatments applied to the engineered wood flooring can impact the price. Standard smooth finishes are usually more affordable, while specialty finishes like hand-scraped or distressed can add to the cost due to the additional labor and craftsmanship involved.\nRegional Differences and Market Trends:\nIt’s essential to consider regional differences and market trends when determining the cost of engineered wood flooring. The availability of certain wood species and the costs associated with transportation or importation can vary across different regions. Additionally, market trends and supply and demand dynamics can influence pricing. For example, if a particular wood species is currently in high demand, it may drive up the cost.\nTo get an accurate understanding of the price range in your specific location, it’s recommended to consult with local flooring suppliers and professionals. They can provide you with detailed quotes based on your requirements and help you navigate any regional cost variations.\nColumbus Flooring City empowers you to unleash your creativity and personalize your living spaces with our extensive range of flooring choices, allowing you to express your unique style and bring your design visions to life.\nCost Comparison with Other Flooring Options:\nEngineered hardwood flooring prices are based on the location where you live. To help you make the right decision based on your budget and preferences, let’s compare engineered wood flooring costs with other popular flooring options:\nSolid Hardwood Flooring:\nSolid hardwood flooring offers its own charm, durability, and timeless appeal. However, it tends to be more expensive than engineered wood flooring. It is estimated that the cost of solid hardwood flooring is $8 to $20 or more per square foot, as opposed to engineered wood flooring. This price depends on the wood species, grade, and finish. It’s important to note that higher-end hardwood options and rare wood species can significantly increase the price.\nLaminate flooring is a budget-friendly alternative that replicates the appearance of wood. It consists of a composite material with a printed image of wood grain on the surface. Laminate flooring generally falls within a lower price range, making it an attractive option for cost-conscious homeowners. The cost of laminate flooring typically ranges from $2 to $8.\nVinyl flooring offers a wide range of styles, including wood look-alikes, stone patterns, and more. It is known for its affordability, durability, and ease of maintenance. Vinyl flooring is often more budget-friendly compared to engineered wood flooring. Ranges from $2 to $10 per square foot, the cost of vinyl flooring depends on a variety of factors such as quality, thickness, and design. Luxury vinyl options with enhanced features may fall on the higher end of the price range.\nTile flooring, especially ceramic or porcelain, is renowned for its durability and versatility. It is an excellent choice for high-moisture areas such as kitchens and bathrooms. The cost of tile flooring varies depending on the type of tile chosen, design intricacy, and installation complexity. Tiles generally cost between $3 and $10 per square foot. Natural stone tiles, such as marble or travertine, can be pricier due to their unique aesthetics and higher material costs.\nWhen comparing the cost of flooring options, it’s important to consider factors beyond just the initial price. Durability, maintenance requirements, lifespan, and aesthetic preferences should also be taken into account. While engineered wood flooring may have a higher upfront cost compared to laminate or vinyl, it offers the beauty and warmth of real wood while providing better durability and the option for refinishing in the future.\nTransform Your Space with Columbus Flooring City. Explore our exquisite collection of hardwood, laminate, and luxury vinyl flooring options to elevate the beauty and functionality of your home.\nCost Comparison Table\nUltimately, the choice of flooring should align with your budget, style preferences, and the specific needs of the space. By considering the cost and characteristics of different flooring options, you can make an informed decision that meets both your financial considerations and desired aesthetic appeal.\n|Price Range (per square foot)\n|Engineered Wood Flooring\n|$5 – $15+\n|Solid Hardwood Flooring\n|$8 – $20+\n|$2 – $8\n|$2 – $7\n|Tile Flooring (Ceramic or Porcelain)\n|$3 – $10\nTips for Budgeting and Cost Savings\nThere are always some other factors that impact engineered hardwood floor installation cost. Now that we have an idea of the costs involved, here are some tips to help you budget effectively and potentially save some money:\nSet a Realistic Budget:\nDetermine your budget early on and stick to it. Consider not only the cost of materials but also the expenses associated with installation, underlayment, and any additional materials required.\nConsider Long-Term Durability and Maintenance Costs:\nKeep in mind that investing in higher-quality engineered wood flooring may save you money in the long run. Durable flooring options may require less frequent replacement or maintenance, reducing overall costs.\nExplore Different Suppliers and Get Multiple Quotes:\nShop around and compare prices from various suppliers. Getting multiple quotes will help you identify the best deals and potentially negotiate for better prices or additional services.\nEvaluate Overall Value:\nRather than solely focusing on the price, evaluate the overall value of the flooring option. Consider factors like durability, warranty, aesthetics, and suitability for your space. Sometimes paying a bit more upfront can lead to long-term satisfaction.\nFrequently Asked Questions:\n- How much does it cost to install 1000 square feet of engineered wood floors?\nThe cost of installing 1000 square feet of engineered wood floors can vary depending on factors such as the quality of the materials and labor costs. On average, you can expect to pay around $8,000 to $12,000 for installation.\n- What are the disadvantages of engineered wood flooring?\nSome disadvantages of engineered wood flooring include its susceptibility to moisture damage, limited refinishing options, and a shorter lifespan compared to solid hardwood. It may also be more prone to scratches and dents.\n- How much does it cost to install 2000 square feet of engineered hardwood floors?\nThe cost of installing 2000 square feet of engineered hardwood floors can vary based on factors such as the type of wood, installation method, and region. On average, you can expect to pay between $16,000 and $24,000 for installation.\n- Is engineered flooring expensive?\nEngineered flooring can be more affordable compared to solid hardwood flooring. However, the cost of engineered flooring varies depending on factors such as the quality of the materials and the complexity of the installation. Generally, it is considered a cost-effective alternative to solid hardwood flooring.\nUnderstanding the cost factors of engineered wood flooring is essential before embarking on your flooring journey. By considering factors like wood quality, type of wood species, thickness, finish, installation complexity, advantages and disadvantages of engineered wood flooring, and additional features, you can make an informed decision that aligns with your budget and style preferences. Remember to compare prices, evaluate the overall value, and plan your budget wisely. With the right knowledge and careful consideration, you can find the perfect engineered wood flooring that adds beauty and functionality to your space for years to come.", "domain": "economics"}
+{"url": "https://thepropertyguide.co.za/", "date": "2022-07-06T06:43:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104668059.88/warc/CC-MAIN-20220706060502-20220706090502-00206.warc.gz", "language_score": 0.9532456994056702, "token_count": 400, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__146515028", "lang": "en", "text": "SA's ultimate property guide.\n270 pages of sound, unbiased advice, covering 140 essential topics on first-time renting, buying, selling and investing in residential property.\nTHE PROPERTY GUIDE, brought to you by Private Property, is designed to explain the ins and outs of property.\nWe all want security in the form of a home or investments (or both) however few of us are taught how to achieve this. Private Property’s THE PROPERTY GUIDE aims to equip South Africans with knowledge so that they may feel empowered on their property journey.\nGet answers to your biggest property questions.\nHow much should I be earning before I consider buying a property?\nIf you earn R0 – R22 000 pm you can apply for government financial aid to own a home.\nIs property ownership worthwhile in the current economic climate?\nWe weigh-up the pros and cons of owning vs. renting and answer FAQ’s for first-time tenants.\nDo I have the right skills and business experience to become an investor?\nThis guide will familiarise you with CGT, your ROI, the effect of gearing on your investment and more.\nReal estate investing, even on a small scale, remains a tried and true means of building an individual’s cash flow and wealth.\n– Robert Kiyosaki\nMake the right decisions at the right time.\nToo many people run into financial difficulty and have to live with disappointments after making hasty decisions with their property transaction. We cover the most important facts as comprehensively as possible, while keeping it simple, user-friendly and easy to read.\nAvoid the overwhelm by having an understanding of the process\nBuying or selling a home as well as moving, can be one of the most stressful experiences in your life as it is probably one of the most important investments you will make. Know your rights and obligations so that you can take control of the whole process.", "domain": "economics"}
+{"url": "https://www.zoellner.de/en/company/about-us/facts-and-figures", "date": "2024-04-18T02:16:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817184.35/warc/CC-MAIN-20240417235906-20240418025906-00380.warc.gz", "language_score": 0.9666429758071899, "token_count": 194, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__188926659", "lang": "en", "text": "The ZÖLLNER company was built up by the Zöllner family in 1946, bought by Mr. Walter Murmann in 1980 and is now run in the third generation by Dr. Philipp Murmann. In addition to the traditional business of acoustic signalling systems for ships and locomotives, ZÖLLNER developed the segment of automatic visual and audible warning systems for track worksites in the 1990s. In the 2000s, the portfolio was again expanded to include the railway infrastructure sector.\nThrough our innovative spirit and drive for growth, we have been able to establish subsidiaries in the UK, France, Spain, Poland and Australia in recent years and to take over the succession of companies in the UK, Bremerhaven and Büdelsdorf, which help us to continuously expand our growth around the topic of safety in various applications.\nWe have been working in partnership with our sales subsidiaries and representatives worldwide for many years.", "domain": "economics"}
+{"url": "http://winstontrailseastcdd.org/financials/", "date": "2018-05-21T00:49:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794863901.24/warc/CC-MAIN-20180521004325-20180521024325-00282.warc.gz", "language_score": 0.8248704671859741, "token_count": 183, "dump": "CC-MAIN-2018-22", "global_id": "webtext-fineweb__CC-MAIN-2018-22__0__82659621", "lang": "en", "text": "The District’s budget, linked below, contains the assessment to be levied against each property, broken down into operation and maintenance (O&M) and debt. Prior to September of each year, the District Board adopts a budget for the following fiscal year, which runs from October 1st through September 30th.\n- WTE Final Budget 2018-2019\n- WTE Proposed Budget 2018-2019\n- WTE Amended Final Budget 2016-2017\n- WTE Final Budget 2017-2018\n- WTE Proposed Budget 2017-2018\n- WTE Final Budget 2016-2017\n- WTE Proposed Budget 2016-2017\n- 2016 FINAL REPORT – WINSTON TRAILS (EAST) CDD\n- 2015 FINAL REPORT – WINSTON TRAILS (EAST) CDD\n- WTE 2014 FINAL REPORT\nClick here for previous years’ financials.", "domain": "economics"}
+{"url": "https://www.lakewood-center.org/pages/news-item?r=L06E38482G&send_to=%2Fpages%2Flakewood-news-artbeat", "date": "2022-08-14T08:37:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882572021.17/warc/CC-MAIN-20220814083156-20220814113156-00256.warc.gz", "language_score": 0.9380518198013306, "token_count": 243, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__117176965", "lang": "en", "text": "IRS tax tip for Year-End Giving\nThe 2020 Cares Act extends enhanced benefits to charitable contributions in 2021.\nNew Charitable Giving Incentives Help Donors to Give More in 2021\nDonors are incentivized to give more to nonprofit organizations through important tax incentives available through December 31, 2021! The universal charitable deduction, available to the growing number of taxpayers who do not itemize their returns, was created under the 2020 CARES Act, and was extended through 2021 and expanded so that single filers may deduct up to $300, and joint filers will be eligible for a $600 deduction for cash contributions. Also for the calendar year 2021, taxpayers who itemize their returns will see the limit on the total percentage of Adjusted Gross Income (AGI) eligible for the charitable deduction lifted to 100%, and the limit on corporate contributions has been raised to 25%.\nAn IRS Tax Tip issued on September 28 spells out how these giving incentives work and can be a very helpful resource for donors that may be unaware of these important incentives to give more. TCG’s charitable giving advocacy campaign calls on Congress to enact policies to permanently strengthen charitable giving incentives.", "domain": "economics"}
+{"url": "https://www.britanniapandi.com/about/company-profile/", "date": "2017-09-23T14:41:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-39/segments/1505818689686.40/warc/CC-MAIN-20170923141947-20170923161947-00537.warc.gz", "language_score": 0.9613714814186096, "token_count": 502, "dump": "CC-MAIN-2017-39", "global_id": "webtext-fineweb__CC-MAIN-2017-39__0__148378713", "lang": "en", "text": "In business since 1855, Britannia was the first P&I Club in the market and remains a leader in the International Group of P&I Clubs. We have consistently held our prominent position by focussing on providing an exceptional standard of service to the highest quality Members, based on the essential values and principles of mutuality combined with commercial strength.\nBritannia remains committed to mutuality as the best way to provide its services for the benefit of its Members. We focus on our core business of P&I and FD&D insurance, providing professional management services without answering to shareholders. We work closely with our Members so that we understand their businesses. We’re big enough to be able to focus on the quality and compatibility of our Members, rather than growth. We provide service of the highest standard to markets that we know well. This is reflected in the longevity and ongoing strength of our business relationships. The administration and management functions of the mutual are provided on behalf of The Britannia Steam Ship Insurance Association Limited by Tindall Riley (Britannia) Limited.\nWe have reached our position by seeking high quality Members who share the same approach to managing the risks we cover. All our business is written on the basis of a fair rating for each Member with realistic aims for balancing the Member’s claims record over a ten year period. As well as sound underwriting, we support our Members by providing professional and proactive claims management from our experienced team of claims handlers. We maintain control over claims to minimise costs for the benefit of all Members. We assist our Members to minimise risk by sharing our expertise and providing guidance outside the claims environment. By understanding our Members’ own businesses, we adapt our services to their needs.\nThe quality of our services is reflected in our commercial strength. We are rated “A (Stable)” by Standard & Poor’s and have some of the strongest financial reserves in the market, well in excess of EU solvency requirements. Our track record of successful investment returns is based on a long term view underpinned by solid reserving of investments. The result of our strong commercial management is that we have the best calls record of any P&I Club, with no unbudgeted calls for the last 40 years. By focussing on our core business without other distractions and risks, we are able to continue to run the Club purely for the benefit of its Members as we have done since 1855.", "domain": "economics"}
+{"url": "https://www.sevensholding.com/realestate_division.php", "date": "2023-09-21T15:50:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506028.36/warc/CC-MAIN-20230921141907-20230921171907-00294.warc.gz", "language_score": 0.9550110697746277, "token_count": 260, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__311232870", "lang": "en", "text": "The division’s aim and vision is to establish new venues for leisure and corporate services. The Real Estate Division is in charge of managing all the properties under the portfolio of the company. It is part of our mission to make use of the opportunities that arise from the current growth in the real estate sector in the Kingdom whilst giving added value to these properties and the surrounding areas. It is vital that we partner with the best in the business to introduce the best concepts that fulfill the needs of the market and ensure the utmost professionalism is implemented. Our services range from selling, purchasing, leasing and management of properties. The division has two projects that are currently under it, which are;\nThe City Walk Riffa is an open air commercial development located in Riffa, Central Governorate. The first concept of its kind in the Kingdom, City Walk hosts ten retail units, anchored by the amazing Grand Cinemas. Developed as a venue for families with ample free parking it is a must visit for all local residents. Visit City Walk and discover a unique location where you can relax and enjoy the experience.\nSevens Holding is the proud owner of the luxurious Royal Saray Bahrain resort. Operated by Accor the resort is located on the beachfront of Manama, Seef District.", "domain": "economics"}
+{"url": "https://articmaintenance.co.za/products/alternative-burner-fuel", "date": "2021-12-09T00:37:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363641.20/warc/CC-MAIN-20211209000407-20211209030407-00298.warc.gz", "language_score": 0.9209439754486084, "token_count": 360, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__164659999", "lang": "en", "text": "EcoPro is an alternative heating fuel which is manufactured by refining used petro-chemical products.\nECOPRO Boiler fuel\nEcoPro™ is an alternative industrial heating fuel which is manufactured by refining waste vegetable oil products, such as SUNFLOWER oil. The resulting fuel has one of the highest calorific values among the most common heating fuels available to the panel-beating industry in South Africa. A higher flash-point reduces the risk associated with fuels such as Paraffin or Diesel. A sulphur content of less than 0,01%, increases the life of smoke stack or exhaust systems. A negligible ash content also reduces the need for periodic cleaning of the combustion chamber and flue tubes.\nBy repurposing a waste oil product into a useable energy source, clients using EcoPro™ help to maximise the recovery of waste products. The EcoPro™ re-cycling process benefits the environment by reducing the quantity of waste material that would otherwise be dumped.\nNeeding minimal alteration to existing burners and fuel-source installations, EcoPro™ boiler fuel is an economical alternative to paraffin or diesel. The use of EcoPro™ fuel has consistently shown reductions in consumption due to the high calorific value, and significantly less wear and tare on mechanical components when compared to hydrocarbon equivalents. Significant reductions in the monthly cost of heating fuels have been achieved by efficient combustion of the boiler fuel, in addition to the savings resulting from the unit cost of the fuel itself.\nEcoPro™ is delivered in bulk only, to minimise the cost of delivery. A minimum delivery of 500ℓ is applicable in the immediate Cape Town area.\nData sheet information EcoPro™ Boiler fuel\nRecycle today for a better tomorrow", "domain": "economics"}
+{"url": "http://www.capitalpairing.com/about-us/", "date": "2024-04-12T12:13:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296815919.75/warc/CC-MAIN-20240412101354-20240412131354-00505.warc.gz", "language_score": 0.9348775148391724, "token_count": 318, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__141451135", "lang": "en", "text": "H.E. Professor Datuk Syed Omar Alsaggaf (PJN, DPMP, DSPN, AMN, AMP) was the former Ambassador Extraordinary & Plenipotentiary of Malaysia to the Kingdom of Saudi Arabia and the Permanent Representative of Malaysia to The Organisation of Islamic Cooperation (OIC). He is the current Deputy Chairman of the Malaysia – Saudi Business Chamber. His other appointments include Chairman of Financial & Business Development Committee & Board of Director of Islamic University college of Perlis (KUIPs), Patron of Muslim Business Chamber Malaysia, Supreme Council Member of Medina Islamic University Malaysia, Board Member of Zakat for Islamic Council, Perlis, and Rector of both Perlis Islamic Higher Learning Institute and International Islamic Technology College, Penang.\nApart from his Islamic academic credentials, with his long-running experience in facilitating governmental-level economic development and policy in both Malaysia and Saudi Arabia, he was credited with fostering and re-affirming strong diplomatic, cultural and economic relations between Saudi Arabia and Malaysia during his illustrious term of service. He brings a wealth of trade, cultural and diplomatic knowledge and experience for Saudi-Malaysian industries, as well as unparalleled access to key regulatory bodies and governmental organs of both states.\nProfessor Datuk Syed Omar Alsaggaf possesses a Master’s Degree in (Near Eastern & North African Studies), specializing in Arabic Language and Culture, from the University of Michigan, Ann Arbor USA, and a Bachelor’s Degree in Syariah, Madinah University Saudi Arabia.", "domain": "economics"}
+{"url": "http://london-mobile-hairdresser.co.uk/blog/starting-hair-salon/", "date": "2020-10-31T07:37:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107916776.80/warc/CC-MAIN-20201031062721-20201031092721-00227.warc.gz", "language_score": 0.968321681022644, "token_count": 532, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__173831786", "lang": "en", "text": "If you have a talent for hair and a brain for business, you may one day want to start your own salon. Establishing a business is never easy to do, but it can go a lot smoother if you are prepared. The fact that you are reading this shows that you want to at least do a little bit of research before jumping into the process. Hopefully our tips will help you out. Here is a basic guide to helping you start your own hair salon.\nAssess the Costs\nThe first thing you have to do is figure out how much this is going to cost you. You can either rent, buy, or build a building to house your salon, so you should check out the different prices in your area. You will also need to know what the monthly fees are going to be to run the salon so you can make sure you at least break even each month. The pricing for this will vary greatly by location, so talk to a realtor or accountant about the options around you.\nPlan the Setup\nHow are you going to set up your salon? Are you going to have stylists pay rent for their stations, or are you going to offer them an hourly pay? Most new salon owners will go with the rent option because that will bring them guaranteed money right away. If you want to pay employees to draw them in easier, you could do that as well. You have to figure out what sort of commission rates you will offer, or what you will charge the stylists to use products you provide. The final decision is entirely up to you.\nGet an Education\nYou technically don’t have to be a stylist to run a salon. You just have to provide the building. Nevertheless, it would be wise to at least have some sort of education so you can answer questions that come your way. There is a reason why stylist-owned salons do so well. It’s because people know they can trust the owners. When you have customers that can trust you, you are guaranteed to succeed.\nOpen the Doors\nOnce you have everything planned out, market like crazy to draw in new customers. If you make a good first impression, you will have a lot of business to come. Don’t expect to be a millionaire overnight because that just won’t happen. If you play your cards right though, you’ll be able to start off on a profitable foot.\nAbout the Author: Kim McAlroy is a self-employed stylist who loves her job and clients. She recommends the Mandalyn Academy for cosmetology and business education.", "domain": "economics"}
+{"url": "https://docs.vodlix.com/user-manual/monetization", "date": "2023-10-05T03:45:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511717.69/warc/CC-MAIN-20231005012006-20231005042006-00417.warc.gz", "language_score": 0.9193282127380371, "token_count": 441, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__222147043", "lang": "en", "text": "Flexibility to support different business models\nMonetization is an essential part of creating and distributing videos and series. There are various business models available that content creators can use to monetize their work, depending on their goals and target audience. Whether you're looking to generate revenue from your content, build your brand, or reach a wider audience, selecting the right business model is key to your success.\nAt Vodlix, we understand the importance of monetization for videos and series. That's why we offer a range of business models that cater to different needs and preferences. Our platform provides you with the flexibility to choose the right monetization strategy for your content, so you can focus on creating and delivering high-quality videos and series.\nOur monetization options include:\n- SVOD (Subscription Video on Demand): This model allows viewers to access your content through a recurring subscription fee. With SVOD, you can offer your viewers a library of content to binge-watch at their convenience, generating revenue through recurring payments.\n- TVOD (Transactional Video on Demand): TVOD is a pay-per-view model that allows viewers to purchase access to specific videos or series episodes. This model is ideal for those looking to monetize specific content or events.\n- AVOD (Advertising Video on Demand): With AVOD, you can generate revenue by running ads on your video content. This model allows you to offer free access to your content while generating revenue from advertising.\n- Free to Watch: This model offers your content for free to all viewers, including guest users.\nAt Vodlix, we believe in giving you the flexibility to choose the right business model for your content. Our platform supports all these models, so you can decide which one suits your needs best.\nWhether you're looking to build your brand, increase your revenue, or reach a wider audience, Vodlix has the tools and features you need to monetize your videos and series effectively. With our easy-to-use platform and powerful monetization options, you can take your content to the next level and grow your audience and revenue.", "domain": "economics"}
+{"url": "http://careartsandreligion.org/the-perks-of-internet-shopping/", "date": "2022-08-20T02:50:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882573876.92/warc/CC-MAIN-20220820012448-20220820042448-00778.warc.gz", "language_score": 0.9786917567253113, "token_count": 475, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__178379118", "lang": "en", "text": "It would be very hard for a person to live in the modern society without the use of internet. We use the internet to stay in touch with our friends, to manage the office work and we simply use the internet to book a taxi for us. It is an ideal platform for entertainment, and it could be observed that one would be able to obtain many advantages if one uses internet right. One of the most useful things that could be done with the internet will be internet shopping. The ability to shop through the internet has many perks, and it would do well for one to understand what these benefits are and how to ensure that your internet shopping experience goes ideally.\nInternet is available almost anywhere now. This would mean that you are just a few taps away from accessing thousands of websites where you could do shopping. When a typical shopping experience is taken into consideration, you would be able to see that you would have to spend so much time walking, choosing and then carry all the goods to your home. But with internet shopping, you will be available to millions of products all over the world, and you would not have to move your legs at all to order what you need. There would be many discounts available to you, and this could save up a considerable amount of your money as well. If you need a product, all you have to do is to find a supplier online. Through this, you would be able to access many products that would otherwise be unavailable to you.\nAs an example, you would be able to order buy cheap perfume online Australia that may not be there in your local stores. From kids wooden toys online to furniture, you would be able to see the best designs and useful products through the internet. The other user reviews would be able to give you an idea about how good the product is, and the products that you order will arrive at your doorstep. However, you need to ensure that the website you order them from is a well reputed and a reliable one. Knowing your supplier and the quality of the items will make sure that you get the best out of internet shopping.Internet shopping will have many more perks in store. Therefore, if you are a person that is stuck in the conventional means of shopping, it is about time you switched to the much more convenient option of internet shopping. This would allow you to save much money and time.", "domain": "economics"}
+{"url": "https://bailbondsindiana.us/surety-bond/", "date": "2021-12-05T14:55:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363189.92/warc/CC-MAIN-20211205130619-20211205160619-00264.warc.gz", "language_score": 0.9448230862617493, "token_count": 690, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__14290072", "lang": "en", "text": "A surety bond in bail making is money in cash or property that guarantees an accused person will attend court appearances as required. The bonds allow the defendant to be released from jail pending the completion of their case. The surety bond is an agreement between the bondsman and the accused. It is backed by the company and signed by the agent on behalf of the company.\nAn Indianapolis bail bondsman or Indianapolis bonds agent provides surety to have the defendant released. The inmate, in turn, pays around ten percent of the total bail amount. The collateral should be enough to cater for the bond full amount if the accused misses their court dates.\nSurety bonds are different from cash bonds. When bailing someone out of jail using a cash bond, you have to provide the full amount demanded by the court before the accused is released. The cash is held as collateral until the conclusion of the case.\nWhy Surety is Preferable When Faced with Criminal Charges\nIn most cases, people will not be able to raise the colossal amount of money set as a bond. Even if you could afford the cash, it is not shrewd to have your money tied to the case that may take weeks on end to be over. It is, therefore, prudent to involve a bail bond agent near me to provide a surety bond for accused release.\nBail agents are referred to as sureties because they promise to ensure the defendant adheres to all bail conditions and attends court dates. A bonds person, also referred to as a bond agent or bail agent in Marion county, are people licensed to sell surety bonds by the state Department of Insurance.\nThird-party involved in the surety bond agreement need to sign a promissory note. This is a contract to pay the entire bail if the accused misses the court date.\nSurety Bond Guarantee\nYou shouldn’t decide to involve the bail agent lightly. A surety bond requires paying an upfront nonrefundable 10 percent of the bail amount. Besides freeing the defendant, the 10 percent fee charged by the Indiana bail bondsman helps to buy insurance required by the agent’s company to pay to its obligations. This insurance is referred to as a surety bond guarantee. It gives the court assurance that the bail bonds agent will pay the full bail if the defendant fails to show up for the court. The insurance company requires agents to make payments into a fund reserve. The pool helps the companies to cover for losses from insuring surety bonds.\nThe surety bond guarantee enables a bail bond agent to arrange for blanket bail with the courts. The bond agents do not have to deposit cash in court for each client. A blanket bond provides compensation to the court in case the defendant fails to show up for court date.\nA Surety Bond is Beneficial\nThis guarantee is greatly beneficial in the sense that it promises to cover bail in case the defendant fails. Surety bond comes in handy if you do not have enough cash to pay cash bond or bail someone out of jail. However, you should be ready to part with a nonrefundable fee. The bond is subject to forfeiture of the defendant fails to appear in court. If you have a friend or a family member that is need of a surety bond, call the Indiana bail bond agents at Bail Bonds Indiana a call at 317-279-6854 today!", "domain": "economics"}
+{"url": "http://conference.puskim.id/istecs/2018", "date": "2019-06-18T15:52:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627998755.95/warc/CC-MAIN-20190618143417-20190618165417-00017.warc.gz", "language_score": 0.9365100860595703, "token_count": 609, "dump": "CC-MAIN-2019-26", "global_id": "webtext-fineweb__CC-MAIN-2019-26__0__87878671", "lang": "en", "text": "Research Institute for Housing and Human Settlement, under Ministry of Public Works and Housing Indonesia, started the International Seminar on Tropical Eco-Settlements (ISTEcS) Series in 2006, which is now in its fifth edition following successful previous seminars under the same name. This Series is inaugurated to respond severe environmental issues resulting from rapid urbanization, industrialization, and globalization that can create severe environmental degradation in urban areas, particularly in large cities and their surroundings.\nEach ISTEcS collects original papers presenting ideas, views, and empirical experiences of researchers, academicians, and practitioners that help address urban settlement-related issues under specific theme. Papers will be published in conference proceedings.\nNo Registration and Submission Fees\nThere have been growing divides in housing provision among different income groups in especially urban areas. While most high income groups can enjoy higher quality of housing and are able to choose where they live, poor people are too often left with no option but to live in neighborhoods of concentrated urban poverty with severely limited accesses to urban services.\nSlum, as an indicator of inequality in cities, is not the only area which suffers from disparities. Many people also lack accesses to essential infrastructure facilities, such as safe and affordable water supplies, adequate sanitation systems, reliable and friendly public transportation, and durable houses. Certain groups are vulnerable to environmental degradation such as floods, droughts, and pollution. It is imperative that urban planning, green building, and urban infrastructure should not discriminate against any urban inhabitants.\nThe divide issues become even more important especially when the 17 Sustainable Development Goals include the principles of equity and equality. It is hoped that the principles more promote sustainable development in urban areas for their residents, including women, children, the elderly, people with disabilities, and economically-disadvantaged groups.\nIn order to achieve greater equity, equality, and justice in urban housing development, policy changes and appropriate technologies are needed. To bring together academicians, researchers, practitioners, and experts to share their original and unpublished research works, case reports, and reviews concerning urban housing development, the Research Institute for Housing and Human Settlements (RIHHS) will hold the 2018 International Seminar on Tropical Eco-Settlements.\nSeminar will be held in two days.\n09.00 Opening Ceremony by Head of Research Institute for Housing and Human Settlements\n09.15 Opening Speech from Head of Research and Development Agency, Ministry of Public Works and Housing\n09.30 Keynote Speech\n10.30 Presentation of Papers (number of rooms depend on topic and number of papers)\n19.00 Welcome Dinner and Traditional Performance (invited only)\n09.00 Keynote Speech\n10.00 Presentation of Papers (number of rooms depend on topic and number of papers)\n16.00 Green Paper Award\n17.00 Closing Ceremony\n14th - 15th November 2018\nGrand Inna Kuta\nPantai Kuta Street, Kuta, Bali - Indonesia", "domain": "economics"}
+{"url": "http://klresources.com.sg/products-services/", "date": "2024-04-24T03:03:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818999.68/warc/CC-MAIN-20240424014618-20240424044618-00719.warc.gz", "language_score": 0.9242604970932007, "token_count": 107, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__84834927", "lang": "en", "text": "KL Resources Pte Ltd takes pride in being one of the leaders in the waste paper, plastic & scrap metal collection and recycling industry in Singapore.\nOur core focus lies in waste paper collection across the private and public sectors of Singapore. To date, we handle an average of 100,000 tonnes of waste paper annually.\nOur dedicated collection yards are well-equipped to bale all collected waste paper before loading them into 40-foot containers. These containers are then prepped and readied for export to reputable paper mills overseas.", "domain": "economics"}
+{"url": "https://www.emaifo.net/memberswp/dues-info-payment/", "date": "2020-02-21T06:20:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875145443.63/warc/CC-MAIN-20200221045555-20200221075555-00071.warc.gz", "language_score": 0.9591171741485596, "token_count": 278, "dump": "CC-MAIN-2020-10", "global_id": "webtext-fineweb__CC-MAIN-2020-10__0__31472006", "lang": "en", "text": "Regular Members ($91)\n30-Year Members ($45.50)\nClock Operators ($68)\nAny member who has not paid his dues by May 1, 2019 shall be subject to a $15 (fifteen dollar) fine. Any member who has not paid dues by June 1, 2019 shall be suspended from membership. Application for reinstatement must be accompanied by a reinstatement fee of $25 (twenty-five dollars) in addition to the annual dues and any fines accrued. Said application for reinstatement must be made within 30 (thirty) days after the member has been notified that he has been suspended. Application for reinstatement after such time must be done in accordance with the policies and regulations for new members.\nMake a Payment\nMembers may elect to make their dues payment via Credit Card or their checking account with PayPal using the “Pay Now” button below. Members should select their member status on the drop down menu above the button, then click the “Pay Now” button. You will be re-directed to the PayPal website where you may make a secure payment to the association.\nPlease note: due to the fees associated with the acceptance of electronic payments, these additional fees have been included in the online payment so they are $3-$4 higher than the actual dues so that the association will collect the amounts listed above.", "domain": "economics"}
+{"url": "http://uglexchange.com/?r=front/showcontent&S_ID=20180823144546", "date": "2020-12-01T14:10:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141674594.59/warc/CC-MAIN-20201201135627-20201201165627-00208.warc.gz", "language_score": 0.897752583026886, "token_count": 121, "dump": "CC-MAIN-2020-50", "global_id": "webtext-fineweb__CC-MAIN-2020-50__0__104420084", "lang": "en", "text": "Foreign exchange, otherwise called Forex, FX or currency trading, is a distributed worldwide marketplace where the main exchanged items are currencies. The forex market is the biggest and most liquid market of the world, with an average daily turnover of over $5 trillion. Traders include governments and central banks, commercial banks, other institutional investors and financial institutions, currency speculators, other commercial corporations, and individuals. The world’s largest financial market – Trading Forex on margin is the world’s largest and most liquid financial market. Market participants include banks, corporations, financial institutions and retail investors.", "domain": "economics"}
+{"url": "https://moneymellow.com/best-places-to-sell-yugioh-cards/", "date": "2024-04-15T08:38:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816954.20/warc/CC-MAIN-20240415080257-20240415110257-00801.warc.gz", "language_score": 0.9488212466239929, "token_count": 4366, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__81120462", "lang": "en", "text": "Ready to turn your Yugioh card collection into cash?\nIn this post, I’ll show you where to sell your Yugioh cards for top dollar!\nYugioh, which is based on the Japanese Manga series of the same name, is one of the most popular Trading Card Games (TCG) around with 35 million cards sold and approximately $9.64 billion grossed.\nAnyone with a Yugioh card collection should think about selling it. After all, if you don’t want or need the cards anymore, then what’s the point in keeping them?\nYou may as well make some money by selling them!\nYou just need to know where to get started. In this post, I’ll cover where to sell Yugioh cards both online and near you. This allows you to clear out your home a little while making some extra cash.\nTable of Contents\nAre Yugioh Cards Worth Selling?\nBefore we get onto the list, I just want to answer an important question, which is “Are yugioh cards worth selling?\nThere are estimated to be around 11,145 cards in the Yugioh Trading Card Game.\nMost are not super valuable. Although some Yugioh cards do fetch hundreds of thousands of dollars (more on that later in the post!).\nDespite not all cards being super valuable, it’s still worth selling your collection. You’ll at least get something for it, rather than just leaving the cards to sit around gathering dust.\nThere are many factors that determine a card’s value, such as rarity, limited printing, and age.\nWhere to Sell Yugioh Cards Online\nSelling Yugioh cards online is an excellent choice since you can typically reach more buyers than you would if you were selling cards locally. If you’re looking to sell your Yugioh cards, then give these places a try.\n- How it pays you: Direct deposit to your bank account or store credit\nTCG Player Marketplace is often touted on Reddit as one of the best places to sell Yugioh cards. With the site, you can sell your cards to millions of customers worldwide.\nTCG Player Marketplace allows you to list your cards for sale. You don’t even need to pay any setup or listing fees. There is a commission fee charged though.\nIt also has some handy features, like access to pricing data, which make the site one of the best options for selling Yugioh cards.\n- How it pays you: Bank wire transfer and PayPal\nCardmarket is a peer-to-peer online marketplace where you can buy and sell Yugioh cards. It’s a European marketplace.\nOn there, you can simply login, click “Sell Cards,” and then you can choose to either list mixed cards or bulk list cards. You can then fill out the form to list your cards on the platform.\nYou’ll need to search for your cards and enter the price that you want to sell them for. Be sure to do some research and price your cards accordingly. You’ll also need to provide some other details, such as what condition the card is in. Then simply click on “Put Card(s) on sale.”\nThe site does charge a 5% commission fee on sales, and a 3% currency conversion fee.\n- How it pays you: Payout directly to your checking account or VISA or MasterCard debit card.\nEBay is often recommended on Reddit as one of the best places to sell Yugioh cards. And, it’s no surprise really since eBay is such a well-known website that gets a ton of visitors. You can get your cards listed on there in front of tons of potential buyers.\nAlso, you get to set your own prices for cards. This means you’re not at the whim of some store or site to quote you a price.\nYou can list 250 items a month for free on eBay. So, you’re not having to worry about paying out to list your cards.\neBay does charge a selling fee of 13.25% for most categories though. So, it’s important to factor in commission when pricing your cards for sale on there.\n4. Reddit (r/YGOMarketplace)\n- How it pays you: It varies, but PayPal is a commonly requested payment method from sellers on there\nReddit is actually a good place to sell Yugioh cards and one that many people might not consider. You should definitely consider selling on there though! There’s a subreddit called r/YGOMarketplace.\nOn there, people can trade, buy, and sell Yugioh cards and other Yugioh related products. You can list your cards for sale on this subreddit, set the price you want, and ask for payment via the payment method of your choosing. So, you get lots of control over the selling process.\n- How it pays you: Cash, PayPal, and check\nDave and Adam’s store purchases Yugioh single cards, such as Super, Ultimate, Ultra, and Secret Rares. It’s another good place to sell your cards.\n- How it pays you: PayPal or BBToyStore.com store credit\nOffload your Yugioh card collection for some extra cash with Sell2BBNovelties.com.\nThis site provides you with two options for selling:\n- View the individual listing prices for each Yugioh card and add the ones that you want to sell to your basket.\n- Sell your collection in bulk at flat prices without looking each card up one at a time.\nIn order to sell cards to Sell2BBNovelties.com, they must be in Mint (or like new) condition. This means that the cards should be like new as though they came directly out of the packs.\nThey should have no bends, creases, scratches, marks, white edges, folds etc. Cards must be the regular US version (no foreign or fake cards).\nWhat’s good about Sell2BBNovelties.com is that it actually lists the prices that it pays for cards in bulk.\nHere are the current prices:\n- Holos: Vintage: $0.20 each. Modern: $0.03 each\n- Rares: Vintage: $0.06 each. Modern $0.01 each\n- Commons: $0.01 each (any year)\nThe company purchases cards in bulk for those prices. But, it says that there are many that it will purchase for more which have individual listings. Prices can vary depending on the age of the cards.\nSell2BBNovelties.com also purchases sealed products, such as booster packs, boxes, tins, and structure decks.\n- How it pays you: Check, PayPal, or store credit\nCoreTCG purchases collections of cards large and small. You can sell your Yugioh singles cards to the company.\nIt’s important to note that CoreTCG has some pretty stringent rules that sellers are required to follow.\nFirstly, the company says that it does not want sellers to send any damaged or played cards. It says that if a card is received with a bend, crease, dent, or edge wear, then it will be considered to be in damaged or heavily played condition.\nBasically, you won’t be able to sell cards with those types of issues. The company will send damaged or heavily played cards back to you at your expense, or it will dispose of the cards.\nSecondly, if you fail to follow any of the company’s guidelines, it will result in a 20% deduction of your total amount with no exceptions. So, be sure to read the guidelines on selling to the company so that you don’t miss out on any profits.\nCoreTCG provides 20% more in store trade on all non-bulk items.\n- How it pays you: Check, PayPal, or store credit\nYou can sell your Yugioh cards to Cape Fear Games. On the Buylist page, which is linked in the section heading, there’s a guide to selling. Simply click on the “How to use” box on the site’s Buylist page.\nYou can find the individual items that you want to sell and then add them to your buylist cart.\nThe site recommends that if you are submitting a large quantity of more than 100 items, you should stop submitting items once you have reached 100 items in your cart.\nCape Fear Games states that doing this keeps the site from exhibiting any issues that could either fully erase the items in your cart or make it extremely slow.\nIt says that keeping buylists at 100 cards maximum also allows for the company to grade and process your buylist faster, getting you paid sooner.\nOnce you’ve added the items that you want to sell to your buylist cart, you can submit your buylist and mail your cards to the company. Basically, just follow the steps in the “How to use” box of the site’s buylist page to sell your cards.\n- How it pays you: ACH direct deposit\nMercari is a website where you can sell a variety of different items. List your Yugioh cards for sale on there. Once your cards sell, you have to pay a fee of 2.9% plus a $0.30 payment processing fee.\n- How it pays you: Wire transfer\nWith CardTrader, you can sell cards to players from all over the world. You can list your cards for sale on there for free. When items sell, you pay 5% in fees. You can withdraw your earnings via wire transfer.\nThe site does charge a fee on sales. So, for direct sales, there’s a flat fee of 5%. For sales made through CardTrader Zero, the fees are 7%.\nWhere to Sell Yugioh Cards Near Me\nSure, selling online is great. You can reach a ton of potential buyers. Selling locally though also has its benefits. Namely that you don’t have the hassle of shipping and you can typically get cash on the spot for your cards.\nHere are a few options for selling Yugioh cards near you.\n11. Local card shops\nFor a quick and easy way to sell your cards, I’d recommend going to local card shops. This is an option that many people report having success with on Reddit.\nThe issue with card shops is that they don’t tend to offer you the highest price for your cards. This is because these stores are looking to purchase your cards so that they can resell them for a profit.\nStill though, if it’s quick cash that you’re after, local card shops really are your best option.\nJust do an internet search for the term “card shops near me,” or “Yugioh card shops near me” to find card shops near you.\nCall a few stores to ask if they actually purchase cards before you head down there. This will save you from wasting your time.\nNext, we have OfferUp. This is another good platform for those who are looking to sell their cards to people nearby.\nYou can list your cards for sale on there and sell your cards locally. The site doesn’t charge fees on local sales, which is great. It means that you get to keep all of your profits!\nWhile OfferUp is good for selling locally, it does also give you the option to ship items. But, you have to pay a fee of at least $1.99 or 12.9% of the sale price when shipped items sell.\n13. Pawn shops\nFor quick cash, try your local pawn shop. They’ll typically pay you on the spot. Despite fast payments, pawn shops don’t generally pay the highest amount for items.\nThis is because they’re looking to make a profit. This means they’ll typically offer you less than what your cards are worth.\nIf you simply want to sell your cards for cash fast though, give local pawn shops a try.\nNext on the list we have Facebook Marketplace. You can buy and sell all manner of things on there, and this includes Yugioh cards. List your cards for sale on there and sell them to people near you.\nFacebook Marketplace doesn’t charge any fees on local sales. This means that you get to keep all of the profits from your sale.\nThe site does provide sellers with the option to ship items too. But, there’s a fee for this of 5% or $0.40 minimum per order.\n15. Comic book stores\nComic bookstores are another great local option. What’s good about them is that they typically have more knowledge about Yugioh cards and their value compared to other local options like pawn shops.\nJust like with local card shops though, comic book stores typically won’t offer you the full value of your card. This is because, again like card shops, comic book stores want to make a profit, so they will typically buy your cards for a lower price than what they’re worth and then resell them for a higher amount.\nStill though, comic book stores provide a more convenient option than selling online where you have to ship your cards out.\nJust do an internet search for “comic book stores near me,” to find nearby stores. Make sure that you call ahead though to be sure that the store does indeed purchase Yugioh cards. Again, like with card shops, this will save you from wasting your time.\nHow Do I Find Out How Much My Yugioh Cards Are Worth?\nThere’s a website called YuGiOhPrices.com that you can use to determine the value of your Yugioh cards.\nThe amount of money you’ll get for your cards will depend on the cards you have and also where you sell them.\nWhat is the Most Valuable Card in Yugioh?\nI mentioned above that while most Yugioh cards are not super valuable, there are many cards that have sold for tens of thousands of dollars and even one that sold for hundreds of thousands of dollars.\nHere the top ten most expensive and rare Yugioh cards in the world:\n- Tyler, The Great Warrior: $311,211\n- Blue-Eyes White Dragon LOB 1st Edition: $85,000\n- Dark Magician LOB 1st Edition: $85,000\n- Crush Card Virus Shonen Jump Championship 2007: $50,000\n- Minerva, the Exalted Lightsworn 2015 World Championship prize: $34,800\n- Cyber-Stein Shonen Jump Championship 2004: $30,100\n- Perfectly Ultimate Great Moth Dark Duels Stories promo: $30,000\n- The Seal of Orichalcos UDE edition: $26,400\n- Blue-Eyes White Dragon Dark Duel Stories promo: $25,100\n- Chaos Emperor, the Dragon of Armageddon World Championship series 2018: $18,000\nTips for Selling Yugioh Cards\nNow that you know where you can sell Yugioh cards, I’m going to cover some simple tips for success with selling your cards.\nBe honest about the condition of your cards\nIt’s a really good idea to be honest about the condition of your cards, whether you’re selling them directly to a company like Dave and Adam’s store, or listing them for sale to buyers on a site like TCG Marketplace or eBay.\nBuyers on platforms like eBay won’t be impressed if they receive cards that are not in the condition they were described as in the listing. They may give you a bad rating, which may affect your ability to sell more items in the future, or they may ask you for a refund.\nSites like CoreTCG and Sell2BBNovelties.com are pretty stringent when it comes to what condition they’ll accept cards in.\nIf you pretend your cards are in Mint condition, for example, and they actually have some damage, you won’t likely get paid. So, make sure that you are honest about the condition your cards are in.\nIf you are listing your cards for sale on a platform like eBay, Facebook Marketplace or OfferUp, you’ll be able to set your own prices.\nIf you are selling directly to a place though, like Dave and Adam’s Store, CoreTCG, Cape Fear Games, local pawn shops, local card shops, or nearby comic book stores, then you will be quoted a price.\nBe sure to get quotes from multiple places so that you can compare them. That way, you’ll get the best price for your cards. You can accept the best offer.\nIf you care more about fast payment though than the amount of money you get for your cards, then obviously somewhere like a pawn shop will suit you better, even if it does offer a lower price because they pay on the spot.\nFollow the guidelines\nA lot of these places that you sell directly to have really stringent guidelines on how you should package your cards.\nIt’s really important to follow these to ensure that your sale is a success. With CoreTCG, for example, if you fail to follow any of its guidelines, it results in a 20% deduction of your total amount.\nSo, check to see if a company has any guidelines for selling and then be sure to follow them.\nOf course, this won’t be an issue if you’re selling to customers through a place like eBay or Craigslist, but you will need to pay attention to the guidelines when selling directly to a company.\nTips for Avoiding Scams When Selling Yugioh Cards\nSelling Yugioh cards can be a good way to get some extra money. But, you do need to be careful as there are a lot of scams out there.\nHere are a few tips for avoiding scams when you’re selling your cards.\nLook out for the fake check and money transfer scam\nWhen you are selling your cards, be aware of the fake check and money transfer scam. This scam is also known as the overpayment scam.\nWith this scam, a scammer offers to pay more to you than the price you put on the listing. The scammer offers to pay you by check, but then they con you into sending the difference back to them through a wire transfer.\nWhen it’s time to cash the check though it will bounce, because it was fake, and you are left with no money and have had to pay for the difference. Wire transfers aren’t refundable and often aren’t traceable either, which is why so many scammers use them.\nAvoid offers where you are asked to wire a portion of the funds back to somebody. Scammers can make checks look legit and official, so don’t trust the appearance of checks. Do not accept a check that includes an overpayment. And, do not wire money to people or companies that you don’t know.\nProtect your personal information\nIt’s always important to keep your personal information, well, personal when you’re selling stuff. Do not share your account information or your home address with a potential buyer. If a buyer is asking for any sensitive information, then it is likely a scam.\nSell through reputable companies\nBefore selling your cards to a company, make sure that it’s legit. There are lots of reputable platforms out there for selling cards and we’ve listed them above. Be sure to do a search on Google for any company you plan to sell with so that you can read some reviews and determine whether the site you plan to sell with is legit.\nGame Over: Sealing the Deal on Yugioh Card Sales!\nThere’s a market out there for TGN cards, so there’s money to be made here.\nSure, not all cards are going to fetch a lot of money. But, if you have a large collection you could still make a decent amount of money.\nEven if you don’t have a large collection of cards though, they’re still worth selling. The cards would otherwise just be thrown away or left cluttering up your house.\nWhether you’re a collector or looking to make some extra cash, with so many places to sell Yugioh cards, you have a lot of options!", "domain": "economics"}
+{"url": "http://frielingagequipment.com/default.htm", "date": "2019-10-15T16:23:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986660067.26/warc/CC-MAIN-20191015155056-20191015182556-00289.warc.gz", "language_score": 0.9693382382392883, "token_count": 344, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__138112067", "lang": "en", "text": "Frieling Agricultural Equipment is a full service dealership, we provide the parts and service for all the equipment we sell. We carry over 25 lines of agricultural equipment from top manufacturers. Our showroom is full of new equipment that has the ability to speed up any agricultural or land management project. Browse our selection of used equipment to save a bit of money while purchasing your next high-quality tool.\nSince 1995, we have been serving the community by providing farmers with the equipment they need. Being farmers ourselves, we understand the importance of reliable and efficient farming equipments. Proud to be your agricultural and farm equipment dealer in Black Eagle, MT.\n\"I bought a Riteway Landroller and the quality of the product was excellent. Dan was very easy to work with. It was nice to find the best price on a roller close to home after checking all around the state.\"\n– Landon Warren, Great Falls, MT\n\"I just purchased my second piece of machinery from Frieling's and I am very pleased with the service, convenience, and competitive prices.\"\n– Greg Nybakken, Glasgow, MT\n\"Price is always right. Have never bought a piece of machinery that did not live up to its billing. Always easy to do business with you.\"\n– Bob, Jeff and Tyler Pasha, Fort Benton, MT\n\"I have felt more comfortable dealing with Frielings than any other dealer I have ever dealt with. Honesty with hard work. They don't make you feel that it's just about money. They go the extra mile for you to make sure you are satisfied with the product they have sold you.\"\n– Todd Sorg, Wolf Point, MT", "domain": "economics"}
+{"url": "http://exceedhr.co.uk/ExceedJimCleland.htm", "date": "2020-01-24T20:37:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579250625097.75/warc/CC-MAIN-20200124191133-20200124220133-00230.warc.gz", "language_score": 0.9463741779327393, "token_count": 341, "dump": "CC-MAIN-2020-05", "global_id": "webtext-fineweb__CC-MAIN-2020-05__0__73774943", "lang": "en", "text": "Forthcoming employment legislation and what it means to employers\nTransitional provisions for abolition of default retirement age\nFrom 6 April 2011, employers will be prohibited from issuing new notifications of retirement using the statutory retirement procedure. See below about new legislation relating to retirement after 1 October 2011.\nAdditional paternity leave and pay available\nAdditional paternity leave and pay allows fathers to benefit from up to 26 weeks’ additional paternity leave if the mother returns to work before using her full entitlement to statutory maternity leave. The new right is available to parents of children with an expected week of childbirth beginning on or after 3 April 2011. Employers will need to consider the potential impact on their business and plan ahead.\nMaternity, paternity and adoption pay are increased\nThe standard rates of statutory maternity, paternity and adoption pay increased from £124.88 to £128.73 per week from 3 April 2011. Statutory sick pay increased from £79.15 to £81.60 per week from 6 April 2011. Employers will need to amend their current procedures to reflect this change and account for the additional cost they may incur.\nDefault retirement age to be completely abolished\nThe default retirement age abolished completely, and employers are prohibited from retiring employees in reliance on the default retirement age on or after 1 October 2011. Employers should seek advice about how to plan for and manage the effect of this significant change\nNew rules on equal treatment for agency workers\nThe Agency Workers Regulations 2010 entitle agency workers to equal treatment on basic employment conditions after 12 calendar weeks in a given job, including pay and holidays. Employers should seek advice about how to handle this change with the aim of minimising disruption to their operations and cost.", "domain": "economics"}
+{"url": "https://thaidat.com/reduced-costs/", "date": "2023-02-03T03:08:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500042.8/warc/CC-MAIN-20230203024018-20230203054018-00505.warc.gz", "language_score": 0.9429656863212585, "token_count": 249, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__216389038", "lang": "en", "text": "For any business, regardless of sector, protecting the bottom line is the highest priority. One of the easiest ways to increase profitability is to reduce operating costs, though it sometimes requires an external partner that can help you see your business in new ways and that can provide a novel solution. Learn how Solenis brought together insights and innovative technology to help a paper producer reduce its manufacturing costs without affecting end product quality.\nDue to tough market conditions and high competitive pressure, a European paper producer was challenged to reduce its operating costs on a 640-ton-per-day machine producing high-quality copy grades. Replacing high cost virgin fiber with a lower cost filler was a key initiative. Previous efforts to increase filler content either reduced productivity or reduced tensile strength significantly, leading to quality issues, both of which limited the mill’s ability to improve its operating costs. Solenis evaluated the mill’s system and recommended a new filler-fiber optimization program called OptiFillSM. Since permanently converting to Solenis’ OptiFill program, the mill has increased its filler use from 20 to 25 percent and has realized significant cost savings — more than $1 million annually — without compromising quality or productivity.", "domain": "economics"}
+{"url": "https://www.artisurn.com/pages/shipping-charges", "date": "2023-12-04T23:48:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100535.26/warc/CC-MAIN-20231204214708-20231205004708-00416.warc.gz", "language_score": 0.9289354085922241, "token_count": 131, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__280813042", "lang": "en", "text": "What are your shipping charges?\nStandard shipping within the contiguous United States (4-7 business days) and handling are included in all of our prices. For shipping to other locations or for faster delivery, please contact us at email@example.com.\nAn email with a tracking number will be sent to you when your order ships so you know exactly when your handcrafted cremation urn, jewelry or keepsake will arrive.\nDo you charge a sales tax?\nWe charge taxes in California and Illinois. California residents will be charged the sales tax of 8% and Illinois residents will be charged the sales tax of 7.75%.", "domain": "economics"}
+{"url": "https://friedariver.com/the-project/company-profile/", "date": "2022-08-08T01:55:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570741.21/warc/CC-MAIN-20220808001418-20220808031418-00013.warc.gz", "language_score": 0.9292144775390625, "token_count": 234, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__117557608", "lang": "en", "text": "Frieda River Limited is a Papua New Guinea-incorporated company and is the Project proponent. Frieda River Limited has been operating in Papua New Guinea since 2007 and is a wholly-owned subsidiary of PanAust Limited.\nPanAust is a respected, mid-tier copper and gold producer in Laos, with pre-development and exploration assets in Laos, PNG, Myanmar and Chile.\nPanAust is a company leveraged to copper with:\n- a strong balance sheet and cash flow, well-positioned for growth\n- demonstrated ability to develop and operate low-grade ore bodies in challenging environments\n- an industry-leading approach to sustainability\n- proven management experience\n- secure tenements enabling near- and long-term growth.\nPanAust is an Australian incorporated company owned by Guangdong Rising H.K. (Holding) Limited (registered in Hong Kong), a wholly-owned subsidiary of Guangdong Rising Assets Management Co. Ltd (GRAM). GRAM is a Chinese state-owned company regulated under the State-owned Assets Supervision and Administration Commission, the People’s Government of Guangdong Province in China.", "domain": "economics"}
+{"url": "http://www.tpdl.eu/tpdl2017/registration/", "date": "2023-10-04T09:56:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511364.23/warc/CC-MAIN-20231004084230-20231004114230-00572.warc.gz", "language_score": 0.8699009418487549, "token_count": 449, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__85505786", "lang": "en", "text": "(until July 21st, 2017)\n|Late (on or after July 22nd, 2017)\n/ Onsite Registration\n|Conference only (Mon Sep 18 – Tue Sep 19 – Wed Sep 20)||530 EUR||300 EUR||580 EUR||350 EUR|\n|Workshop Only (Thu Sep 21)||120 EUR||100 EUR||150 EUR||130 EUR|\n|Conference plus (4 days)||600 EUR||350 EUR||650 EUR||400 EUR|\n|Over-length Fee||100 Euros per page|\n|Additional Paper Fee||350 Euros per paper|\nAccording to the registration regulation for TPDL2017, inclusion of papers in the proceedings is conditional upon registration of at least one regular author per paper.\nExtra tickets for reception, lunches and conference dinner for accompanying persons, as well as conference proceedings, will be available at cost at the registration desk.\n- Conference Only (September 18-20): Regular/Student fees include access to the Conference, Proceedings, Conference materials, Daily coffee breaks, Daily lunches, Welcome reception (Conference reception) and Conference dinner.\n- Conference Plus (September 18-21): Regular/Student fees include access to the Conference, Workshops, Tutorials, Proceedings, Conference materials, Daily coffee breaks, Daily lunches, Welcome reception and Conference dinner.\n- Workshops (September 21): Workshop fees include access to the Workshops, Tutorials, Workshop materials, Coffee breaks, Lunch and Welcome reception (Workshop reception).\n- Participants registered with the Student fee must provide a proof of their status at registration during the conference.\nTwo alternative methods of registration payment are available:\n- Credit card: Registration payments are to be made through the Aristotle University of Thessaloniki’s payment system.\n- Bank transfer: Using ConfRegTool\nCancellation of a registration is possible until the 10th of September and is subject to 20% of the fees as administrative cost.", "domain": "economics"}
+{"url": "https://www.ourstneots.com/huntingdonshire-mp-jonathan-djanogly-opens-exciting-new-workspace-in-st-neots/", "date": "2023-03-31T07:12:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296949573.84/warc/CC-MAIN-20230331051439-20230331081439-00189.warc.gz", "language_score": 0.9649773240089417, "token_count": 429, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__94473921", "lang": "en", "text": "Huntingdonshire MP Jonathan Djanogly opens exciting new workspace in St Neots\nSt Neots town centre was a hive of activity on Friday 4th December, with the official opening of new town centre workspace by Huntingdonshire MP Jonathan Djanogly. The hour long reception to officially open The Workstation, St Neots also saw a large number of high profile local stakeholders in attendance in support of this new offer to start ups and established small businesses in the town.\nThe Workstation, housed in Bellingham House on the corner of Cambridge Street and Huntingdon Street, offers a number of serviced office suites, meeting space and flexible Coworking Hot Desk options. It is already home to 10 successful small businesses and professionals, thanks to its innovative approach and flexible business options.\nSpeaking at the opening of the event, Jonathan Djanogly said: “Small businesses are such an important part of the local Huntingdonshire economy and I am pleased to officially open The Workstation St Neots today. The immediately popularity of the Workstation St Neots really is testament to a strong and vibrant business community in the town and I wish the building and the businesses who work here every future success. ”\nThe event also featured a speech by local business owner George Zitko from Zitko Consulting and was attended by over 30 local stakeholders including the Mayor and Mayoress of St Neots, the Federation of Small Businesses and the Cambridgeshire Chamber of Commerce. Businesses that work from the building also showcased details of their work to the invited guests in a dedicated exhibition area.\nSpeaking about its new investment in St Neots, Dominic Palmer from the Workstation Group said: “We specifically chose St Neots as the new location for our property portfolio as it was clearly evident in our research that the town has a hugely vibrant small business community, which continues to grow. The Workstation St Neots offers these people a place to work, to network and to ultimately grow their businesses and we are so very excited to be providing such high quality office space to support that.”", "domain": "economics"}
+{"url": "https://nupark.dk/arrangement/baeredygtig-forretningsudvikling-konference-27-11/", "date": "2018-11-16T14:07:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039743046.43/warc/CC-MAIN-20181116132301-20181116154301-00159.warc.gz", "language_score": 0.7845689654350281, "token_count": 757, "dump": "CC-MAIN-2018-47", "global_id": "webtext-fineweb__CC-MAIN-2018-47__0__76316279", "lang": "en", "text": "Bæredygtig forretningsudvikling Konference 27/11\nVia bæredygtighed til vækst - konference på engelsk med hovedtaler Annabeth Aagaard, Direktør for Center for Business Development.\n27. november, 2018 kl. 09:00\nAuditoriet, Nupark 51\nSDGs as drivers for business innovation and growth for SMEs and start-ups\nDownload officiel indbydelse her.\nHow contributing to the UN Sustainable Development Goals (SDGs) delivers results to both small and medium-sized companies and start-ups.\nDate & time: 27th November 2018, 09:00 to 15:00\nLocation: Nupark 51, 7500 Holstebro, Denmark\n09:00 – 09:30 Welcoming and registration\n09:30 – 09:45 Opening remarks from Søren Olesen,\n09:45 – 10:30 Management and business development linking sustainability and profit. Speaker: Annabeth Aagaard, Director of Center for Business Development.\n10:30 – 10:50 Coffee / tea break\n10:50 – 11:05 How the SDGs, and sustainability in general, are changing the way businesses operate and consumers / companies / governments purchase products.\nSpeaker: Douglas Marett, CEO, GH Sustainability A/S\n11.05 – 11:25 Company Case Story: KLS PurePrint – How a printing company’s focus on sustainability lead to growth and profitability, and a position as one of the world “greenest” printing companies. Speaker: TBA, KLS PurePrint A/S\n11:25 – 12:00 How the Global Compact Network Denmark works to influence greater contribution to the SDGs from Danish companies large and small. Speaker: To be announched, Global Compact Network Denmark\n12:00 – 12:45 Lunch and networking\nAfternoon Session A – Start-ups\n12:45 – 13:15 When a different business model and mindset is needed, starting up with sustainability. Speaker: TBA\n13:15 – 13:45 Company Case Story: How the startup XXX integrated sustainability into its business model. Speaker: TBA,\n13:45 – 14:15 Company Case Story: How the startup XXX integrated sustainability into its business model. Speaker: TBA,\n14:15 – 14:45 How regional partnerships are supporting sustainable practices and growth in companies. Speaker: Stine Kirstein Junge, SDG Accelerator with UNDP\n14:45 – 15:00 Closing remarks\n15:00 Afternoon networking (with served refreshments)\nAfternoon Session B – Sustainable production and materials\n12.45 – 13.15 Materials of the future, latest news. – Speaker: TBA. DMN – Danish Materials Network\n13.15 – 14.00 Introduction to exotic materials and the possibilities they provide. Speaker: Johan Larsen, Engineer, DAMRC – Danish Advanced Manufacturing Research Center\n14.00 – 14.45 Nanomaterials, from laboratory to big business – Speaker: Leif Christensen, Ph.D. Danish Technological Institute\n14.45 – 15:00 Closing Remarks\n15.00 Afternoon networking (with served refreshments)\nRegistration: Send an e-mail to Nupark@nupark.dk including your name, company name, e-mail and phone number.\nQuestions? Contact: Allan Hedegård, Director of Nupark Innovation A/S, Phone: 9612 7200 or e-mail: firstname.lastname@example.org", "domain": "economics"}
+{"url": "https://petersonsharley.com/news-article/36147/how-the-microchip-shortage-is-impacting-the-motorcycle-industry", "date": "2024-04-19T19:47:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817442.65/warc/CC-MAIN-20240419172411-20240419202411-00393.warc.gz", "language_score": 0.9550520181655884, "token_count": 823, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__42699449", "lang": "en", "text": "How the Microchip Shortage is Impacting the Motorcycle Industry\nYou may have already noticed that motorcycle inventories across Miami, the greater South Florida region, and the United States as a whole are constricting faster than you can pop a wheelie. Offers for your used motorcycle may have come pouring in. You may have looked online for new Harley-Davidsons and wondered why the inventories seem so low. One word: microchip.\nOr more specifically, a global shortage of semi-conductors. Thousands of these semi-conductors (also known as microchips) are needed to assemble one Harley-Davidson. The shortage of these microchips are a direct result of the COVID-19 pandemic and its forced shutdowns of factories and suppliers. Now that production is slowly starting to rebound, there is a massive backlog of motorcycle and automobile manufacturers looking to get their hands on the technology so they can keep up with demand.\nUsed Motorcycles Are at a Premium\nTypically, higher demand and lower supply produce higher prices. This isn’t great news if you’re looking to buy a motorcycle, but it is if you’re looking to sell your used Harley-Davidson (or any motorcycle brand, really). In fact, this is one of the best times in history to sell your used motorcycle.\nMotorcycle dealerships need to keep generating revenue for the company and for the sale steams they employ. If dealerships can’t get enough new product on the showroom floor, the alternative is to try and grow their used motorcycle inventory. And because of the microchip shortage, motorcycle dealerships like Peterson’s Harley-Davidson are offering Miami riders some of the best prices that have ever been seen.\nBut how did the COVID-19 pandemic cause this shortage exactly? Starting in 2020, the pandemic completely upended the market and global economy. People drove less since they were working from home and thus, people were buying less. This caused motorcycle manufacturers to cancel their semiconductor (microchip) orders to suppliers. As soon as the demand started to increase, those manufacturers were pushed to the end of the line. And factories have not been able to keep up with the sudden burst of microchip demands.\nThe microchip shortage for the motorcycle industry is expected to continue into 2022 or even 2023. Though it sounds ominous, the good news is that demand continues to climb for motorcycles, which is a welcome thought for motorcycle manufacturers and dealerships like Peterson’s Harley-Davidson. However, inventory is needed on motorcycle dealership lots to leverage the demand.\nUltimately, this is all great news for those wanting or considering selling their motorcycles. Peterson’s Harley-Davidson is offering the best prices in its history to Miami and South Florida motorcycle riders looking to sell their bikes. And before you ask yourself “I’ve sold my Harley-Davidson for great money, but how can I get a new bike with these prices?” Peterson’s Harley-Davidson makes it easy to trade in your used motorcycle for a new one.\nIn-house financing with competitive rates and terms that fit your budget are readily available. Free insurance quotes tailored for motorcycles are also offered by the Peterson’s Harley-Davidson sales team. And to keep you completely covered, Peterson’s Harley-Davidson offers other financial products and benefits such as GAP coverage, payment protection, extended warranties, and preferred maintenance plans. Sell your used motorcycle today and let us arrange credit financing with a minimum down payment (and approved credit) so you can get the best deal for your current motorcycle and ride off into the Miami sunset with a brand-new Harley-Davidson® .\nIf you’re ready or just thinking about selling your motorcycle, click here for a free no-obligation quote. You can also stop by our Harley-Davidson dealership in Miami (Miami Gardens) and our South Miami location (Cutler Bay).", "domain": "economics"}
+{"url": "http://www.notioncapital.com/news/introduction-notion-capital/", "date": "2017-01-20T07:43:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-04/segments/1484560280801.0/warc/CC-MAIN-20170116095120-00467-ip-10-171-10-70.ec2.internal.warc.gz", "language_score": 0.8477860689163208, "token_count": 110, "dump": "CC-MAIN-2017-04", "global_id": "webtext-fineweb__CC-MAIN-2017-04__0__58078314", "lang": "en", "text": "Join our network of 1000+ subscribers to keep updated with our new investments, partner insights and portfolio news.\nNotion Capital Managers LLP (registered address: 91 Wimpole Street, Marylebone London W1G 0EF) is authorised and regulated by the Financial Conduct Authority (FRN number: 565008).\nThe fund is supported by the European Union through the Competitiveness and Innovation Framework Programme (“CIP”).\n© 2017 Notion Capital Ltd. All rights reserved. Site by DESIGNOPOLY", "domain": "economics"}
+{"url": "https://abelmed.com/landingpages/eClaims", "date": "2023-09-28T00:54:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510334.9/warc/CC-MAIN-20230927235044-20230928025044-00650.warc.gz", "language_score": 0.9410804510116577, "token_count": 168, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__228290869", "lang": "en", "text": "eClaims is a web-based system that provides your patients additional value and lower out-of-pocket expenses. Eligible extended healthcare providers can conveniently capture and submit insurance claims or estimates (predetermination of benefits) online on behalf of their patients at the point of care.\nDepending on the insurer's offering, the submission could adjudicate automatically, with confirmation on coverage, types of expenses claimed and provider eligibility. In that case, you will immediately receive a notice of the result of the transaction to share with the patient.\nPatients can pay you the full amount with the confidence in knowing what and when they will be reimbursed. Alternatively, if you choose, they can pay you only the deductible and assign payment of benefits directly to you. You have peace of mind in knowing you will be paid in full for your services.", "domain": "economics"}
+{"url": "https://www.project-sonder.eu/demo-sites/demo-site-vienna/", "date": "2024-04-17T21:45:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817181.55/warc/CC-MAIN-20240417204934-20240417234934-00886.warc.gz", "language_score": 0.9498251080513, "token_count": 345, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__170241796", "lang": "en", "text": "Vienna Business District South (Austria)\nStarted in 2012 as Standpunkt Liesing\nOver 100 measures to conserve resources\nIn Austria, the Vienna Business District South is one of Austria largest single business districts with more than 700 companies from a wide range of sectors. Vienna Business District South is already frontrunner in aspects such as installing PV, testing smart meters or rolling out E-mobility. Automatisation, storage and collective self-consumption provide opportunities for Vienna Business District South to widen its market portfolio by connecting present and future industry customers. Also Vienna Business District South wants to understand the attractiveness of integrated services to customers and test new business opportunities and services. This is also part of a wider company initiative that aims to provide service, innovation and sustainability to the whole Industry quarter.\nThe activities of the Vienna Business District South aim to actively shape the development of the business areas in Vienna, to make them more attractive and to ensure that their development is tailored to the requirements of business developments. Therefore, VBD South acts in cooperation with the project partners Vienna Chamber of Commerce, Vienna Business Agency and the district planning and zoning department as an interface between the companies in the business areas of the 10th, 12th, 14th and 23rd districts and the district policy. The Vienna Business District management acts in the south of Vienna as a central hub for cooperation strengthening, information and consulting services as well as innovation development. In addition, the entrepreneurial use of resource-saving technologies, such as the installation of photovoltaic systems, is promoted and supported. For this cause, the Vienna Business District South connects companies and finds synergies.", "domain": "economics"}
+{"url": "http://mayerswelldrilling.com/about-us/4966232", "date": "2019-01-23T15:46:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547584334618.80/warc/CC-MAIN-20190123151455-20190123173455-00272.warc.gz", "language_score": 0.9595300555229187, "token_count": 906, "dump": "CC-MAIN-2019-04", "global_id": "webtext-fineweb__CC-MAIN-2019-04__0__116493604", "lang": "en", "text": "Serving Bucks, Montgomery, Chester, Delaware,\nBerks, Lehigh, Northampton, Monroe, and Carbon Counties\nTodd’s first challenge became shortly after the acquisition in 2001. With the tragic events of 911, and the dependency on foreign oil, Todd recognized the importance of utilizing domestic renewable energy. Although Mayers' office has had Geothermal Heat since 1976, Todd became committed to educating himself and his employees using the most innovative resources. Geothermal systems are a well established means of providing cost-effective heating and cooling for residential and commercial use. In the last twenty years, the technology associated with geothermal systems has been greatly refined and is popular throughout the United States. Geothermal Loop Systemsoffer \"savings from the ground up.\" Todd is committed to the evolving industry and works with customers and developers to find the most cost effective solutions.\nIn 2002, Mayers Well Drilling became a full-service water well operation as a result of acquiring a hydrofracutrer. Hydrofracturing is a cost effective option that gives us and our customers the ability to increase well yields without drilling a deeper hole.\nTodd Mayer prides himself on his honesty and knowledge of the well drilling industry.\nFrom 1937 to the present Mayers Well Drilling has provided new technology with old-world workmanship.\nThe Mayers, and their staff look forward to the opportunity to serve all of your water well needs in the future.\n• Guaranteed Workmanship and Materials\n• We Inspect Your Property and Provide a Free Estimate\n• Providing Complete Insurance Coverage While on the Job\n• Municipal Systems\n• High-Capacity Water System Installations\n• Pump Sales & Service\n• Water Treatment Equipment & Service\n• Water Softeners\n• Water Conditioners\n• Skilled Service Technicians\nPROVIDING EXPERT, PROMPT, & ECONOMICAL SERVICE TO ALL OF SOUTHEASTERN PENNSYLVANIA\nCERTIFIED SPECIALISTS BY THE NATIONAL GROUND WATER ASSOCIATION\nBuilding Relationships on Principals of Respect & Mutual Benefit\nTrust our fully licensed and insured experts.\nWith more than 70 years of experience and thousands of satisfied customers, Mayer’s Well Drilling has earned an outstanding reputation in the ground water business.\nMayer’s Well Drilling is capable of handling any size job, from domestic to large municipalities.\nMayer’s Well Drilling was founded in 1937 by Joseph Mayer.\nIn 1927 Joseph Mayer worked with a well driller to develop well water for the family farm located near Spinnerstown, PA.\nBy 1937 Joseph owned and operated his own drilling equipment.\nIn 1951 he purchased the first rotary drill rig in Easton, PA. Joseph’s acquisition took Mayer’s Well Drilling to a comprehensive new level.\nEven though some cable tool rigs are still in use today, most of Mayer’s original equipment was retired in the mid 1950s.\nTerry Mayer and his wife, Eileen, purchased the business from Terry’s father, Joseph Mayer, in 1964.\nTerry and Eileen recognized the potential of their company and wasted no time in expanding the company to new heights. Appreciating that the future of the company relied on diversification and education, Mayer’s Well Drilling took on new endeavors. In the mid1960s, Mayers drilled elevator shafts. In the early 1970s, they further expanded to drill most of the guard rails on our Pennsylvania highways during the housing boom. In the later 1970s, the demand for domestic water wells tripled. In response to this increase, Mayers partnered with many large developers and started to specialize in municipal well and pump stations.\nWith the recession in the 1980s, the housing market was halted. Oil prices peeked to all time highs and Mayers identified the need to educate and diversify once again. The Mayers ventured into drilling and servicing the oil and gas industries.\nAs the years passed and their company expanded, Terry and Eileen continued the exceptional customer service to insure Mayers' reputation for future generations.\nTodd Mayer, Terry Mayers' son eventually acquired the collective business from his parents in 2001.\nOver the past 24 years, Todd Mayer has not only gained experience and knowledge from his father and grandfather but he receives continuous education through industrial seminars where theories and applications are studied.", "domain": "economics"}
+{"url": "https://www.mwfenceco.com/about/", "date": "2024-04-20T14:17:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817650.14/warc/CC-MAIN-20240420122043-20240420152043-00562.warc.gz", "language_score": 0.9605541229248047, "token_count": 160, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__47288597", "lang": "en", "text": "MW Fence Co, LLC is a customer-centric fence company specializing in the sales and installation of high-quality fence products for residential, commercial, industrial, and governmental clients in the surrounding Joplin metro area.\nMW Fence Co started out in the early 2000s as MW Construction. Micah Woodward, owner, quickly saw the need for fence solutions in the area and fell in love with providing those top-notch services to his growing clientele. Fast forward to 2024, and MW Fence Co has evolved with the changing needs of the community, providing the same quality of service on a much larger scale. MW Fence Co now conducts business with 14 well-rounded individuals, including four full-time installation crews, a fabrication facility, a sales team, and office staff.", "domain": "economics"}
+{"url": "https://www.nicjkoz.com/", "date": "2019-12-15T20:25:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575541310866.82/warc/CC-MAIN-20191215201305-20191215225305-00175.warc.gz", "language_score": 0.9324045777320862, "token_count": 421, "dump": "CC-MAIN-2019-51", "global_id": "webtext-fineweb__CC-MAIN-2019-51__0__116173422", "lang": "en", "text": "I am a research economist at the Bank of Portugal.\nI gradauted from NYU with a PhD in Economics in 2018.\nFields: macroeconomics, international trade, entrepreneurship.\nMany modern business cycle models use uncertainty shocks to generate aggregate fluctuations. However, uncertainty is measured in a variety of ways. Our analysis shows that the measures are not the same, either statistically or conceptually, raising the question of whether fluctuations in them are actually generated by the same phenomenon. We propose a mechanism that generates realistic micro dispersion (cross-sectional variance of firm-level outcomes), higher-order uncertainty (disagreement) and macro uncertainty (uncertainty about macro outcomes) from changes in macro volatility. If we want to consider ''uncertainty shocks'' as a unified phenomenon, these results show what such a shock might actually entail.\nRecent research shows that entrepreneurial activity has been declining in the US in recent decades. Given the role of entrepreneurship in theories of growth, job creation and economic mobility this has generated considerable concern. This paper investigates why entrepreneurship has declined. It documents that (1) the decline in entrepreneurship has been more pronounced for higher education levels, implying that at least part of the force driving the changes is not skill-neutral, and (2) the size distribution of entrepreneur businesses has been quite stable. Together with a decline in the entrepreneurship rate the second fact implies a shift of economic activity towards non-entrepreneur firms. Guided by this evidence I evaluate explanations for the decline in entrepreneurship based on skill-biased technical change, increases in the fixed costs of businesses which could be due to technological change or increases in regulations, and changes in technology that have benefited large non-entrepreneur firms. I do this using a general equilibrium model of occupational choice calibrated with a rich set of moments on occupations, income distributions and firm size distributions. I find that an increase in fixed costs explains most of the decline in the aggregate entrepreneurship rate and that skill-biased technical change can fully account for the larger decrease in entrepreneurship for more educated people when combined with the other forces.", "domain": "economics"}
+{"url": "https://dkvg.co.za/could-your-property-debts-be-cancelled/", "date": "2022-08-11T17:31:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882571483.70/warc/CC-MAIN-20220811164257-20220811194257-00133.warc.gz", "language_score": 0.9735633730888367, "token_count": 688, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__200900337", "lang": "en", "text": "“How, on these figures, an employee of the bank could conclude that the farming may prove to be successful, is beyond me. It seems that money was just being poured into a bottomless pit.” (Extract from judgment below)\nIf you are a bank (or other lender), or if you have borrowed money against your property and are facing financial difficulty, you need to know about a recent High Court decision declaring that a bank’s loans to a farming couple had been granted “recklessly”, setting aside the loans, and cancelling the mortgage bonds.\nThe pensioners who went farming; and the bank that funded them\n- A couple used their pension moneys to buy a smallholding and develop it into a small scale farming venture. They then started borrowing from a bank to meet shortfalls in their cash flow. The bank secured its loans with two mortgage bonds over the property for a total of R1,151m, and took a suretyship from the couple’s daughter.\n- From day one it seems the farming venture was in trouble and eventually the bank approached the courts for an order to allow it to sell the property in execution. The couple (and presumably their daughter also) risked losing everything.\n- However it emerged that –\n- The couple had no fixed income other than an annuity of R647 per month,\n- They were relying on loans from family to make ends meet,\n- They were already retired when the loans were granted, and would have been 85 and 80 years old respectively by the end of the 20 year loan period,\n- The bank had incorrectly taken the daughter’s income into account in assessing the loan applications,\n- The farming venture’s prospects of success were never good.\n- The Court, commenting that the National Credit Act (NCA) obliges a credit grantor to assess the consumer’s means, prospects and obligations “reasonably” before granting credit, held that the bank had failed to do so but instead had acted “irrationally”.\n- In the circumstances the couple had, with the help of an expert witness, proved (it being up to a debtor to prove any allegations of reckless lending) that the loans fell to be set aside or suspended in terms of the NCA. The extent of the bank’s recklessness, the fact that the couple were elderly, and the fact that the smallholding was their only home led the Court to set aside the loans altogether rather than just suspending them.\nReckless lending → Consumers off the hook, bank down R1,74m\nThe couple must pay the bond cancellation costs, but other than that they – and their daughter who stood surety for the loans – are off the hook altogether. The bank on the other hand is down R1,74m plus interest and legal costs.\nBanks (and other credit providers): Revisit your credit granting procedures urgently!\n© DotNews, 2005-2016. This newsletter is a general information sheet and should not be used or relied on as legal or other professional advice. No liability can be accepted for any errors or omissions nor for any loss or damage arising from reliance upon any information herein. Always contact your legal adviser for specific and detailed advice. Errors and omission. (E&OE)", "domain": "economics"}
+{"url": "https://gabygoldberg.medium.com/after-a-decade-of-strong-vc-funding-at-stanford-whats-next-69c98d574be9?source=user_profile---------9----------------------------", "date": "2024-04-15T12:23:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816977.38/warc/CC-MAIN-20240415111434-20240415141434-00753.warc.gz", "language_score": 0.9431161284446716, "token_count": 5056, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__136387010", "lang": "en", "text": "Editor’s Note: This piece was written in partnership with the Stanford Tech History Project, which seeks to document how Stanford’s tech ecosystem has changed since 2010. The full report will be published on Monday, April 26th. To RSVP for the launch event, click here.\nThis portion of the Tech History Project aims to document how Stanford’s ties with venture capital have changed over the past decade, as well as make recommendations for improving them going forward.\nInterestingly, and more broadly, this section aims to write a history of something whose main thrust is oriented toward the future.\nVenture capitalists are a primary source of vigor for the entrepreneurial ecosystem of Silicon Valley, and venture capital as an asset class largely punches above its weight. Since 1974, over 40% of U.S. company IPOs have been venture-backed, and over the past three decades venture capital has become a dominant force in the financing of American companies like Apple, Google, and Microsoft. In fact, venture capital has generated more economic and employment growth in the United States than any other investment sector; annually, venture investment makes up only about 0.2% of GDP, but delivers more than 20% of U.S. GDP in the form of VC-backed business revenues.\nA primer on venture capital\n“By financing startups, venture capitalists accumulate entrepreneurial knowledge. They are the memory of the complex network of the Silicon Valley.”\n— Michel Ferrary and Mark Granovetter, authors of The Role of Venture Capital Firms in Silicon Valley’s Complex Innovation Network\nBefore going further, it will be beneficial to provide a working definition of venture capital and take a preliminary look at the activities of venture capitalists. The abbreviation “VC” may be used to refer to both the venture capital industry as a whole, as well as an individual venture capitalist.\nA VC has five main characteristics, according to a seminal book on the topic:\n- A VC is a financial intermediary, taking capital from investors (or “limited partners”) and investing it directly into early-stage companies.\n- A VC invests in private companies.\n- A VC takes an active role in helping the companies in its portfolio.\n- A VC’s primary goal is to maximize its financial return by exiting investments, either through a sale or an initial public offering (IPO).\n- A VC invests to fund the internal growth of companies.\nAnother definition that will be helpful here is that of an angel investor. Angel investors are similar to VCs in some ways, but different primarily in the fact that angels use their own capital (thus not satisfying characteristic (1) outlined above).\nVenture capital in Silicon Valley\nWhy Silicon Valley? Silicon Valley is characterized by high clustering density, where “ethnic ties, university ties, friendship ties, past professional ties and current professional ties are intertwined” to sustain innovation and entrepreneurship.\nHistorically, Silicon Valley is characterized by a meteoric rate of startup creation — Hewlett Packard, Intel, Oracle, PayPal, Instagram, and Google (just to name a few) were all founded in Silicon Valley. A majority of the aforementioned companies were created by Stanford students or alumni.\nPerhaps one of the biggest factors here is Stanford’s proximity to Sand Hill Road, a 5.6-mile arterial road in Silicon Valley notable for its concentration of venture capital firms. Considered the “Wall Street of the West Coast,” Sand Hill Road has been the connector between ambitious founders and funding partners for decades.\nVenture capital firms play a prominent role in Silicon Valley’s complex innovation landscape. In particular, these venture funds participate in a reflexive interchange of startup and VC knowledge, one that has enabled Stanford University and the broader Silicon Valley ecosystem to both benefit mutualistically from one another. The following sections will go into more detail on the roles that these players both contribute to the ecosystem.\n“These institutions continue to provide a diverse and highly talented executive and technical workforce. But they do more than teach students… It’s a mistake to see this traffic in knowledge as a one-way street. These excellent schools feed the firms of the Valley… But as I note below, the firms in the Valley also help feed the excellence of the schools”\n— Martin Kenney, author of Understanding Silicon Valley: The Anatomy of an Entrepreneurial Region\nVenture capital within Stanford’s ecosystem\nGiven its central role in Silicon Valley, Stanford has been one of the most successful universities in the world for creating companies and attracting funding. Unsurprisingly, the past decade’s fundraising data is consistent with this trend. More often than not, Stanford has been at the top of the list of universities producing the most VC-backed entrepreneurs, and during this period, there has been a substantial increase in funding received by Stanford-affiliated startups.\n“Venture capitalists routinely back more founders coming out of the Stanford business program than any other university in the country.” — TechCrunch\nCompiling raw data from several PitchBook university reports, we found that in the first half of the decade (January 2010 to July 2015), Stanford produced 955 company founders, who created 813 companies and raised $10 billion. By contrast, in the second half of the decade (August 2016 to September 2020), there were 798 new founders and 741 new companies, with the total funding reaching $54.1 billion, a 540% increase from the amount raised in the decade’s first half (Source 1, 2, 3, 4, 5).\n(NOTE: PitchBook was much more poorly populated in the earliest years of the past decade, and the extraordinary increase in venture capital funding is partly attributable to the availability of better data metrics (not necessarily a real increase). We employed the statistical technique “difference in differences” to assess whether the unusual surge in funding was seen in other universities as well, and the results confirmed our suspicion: Harvard had a 704% increase, MIT had 262%, and UPenn had 408%. As such, it’s likely that Stanford’s increase was overstated, and it would be misleading to present these results without this caveat. Because very few companies release reports on university entrepreneurship, PitchBook’s reports are still the most comprehensive and widely cited. As such, we decided to include this data in our report, and we believe it does capture the overall direction of movement around VC funding.)\nWhile Stanford topped the rankings of undergraduate programs producing most entrepreneurs, in the graduate programs list, Harvard Business School remained ahead of Stanford Graduate School of Business throughout the decade. One explanation for the business school gap could be the bigger size of Harvard’s MBA classes, which is almost 2.5 times that of GSB’s.\nThe remarkable rise in funding for Stanford startups has been fueled by a combination of catalysts, including both macro trends and Stanford-specific advantages. We discuss some of the Stanford-specific advantages — like classes, clubs, and scout programs — later in this section, but two industry-wide macro trends include:\n- The advent of the Web 2.0 revolution, as articulated in Marc Andreessen’s prescient op-ed “Software is eating the world.” In the past decade, software-based solutions supplanted products and services traditionally delivered through other means. Stanford students and alumni were at the forefront of this disruption, founding startups like SoFi, StubHub, Robinhood, and Instagram.\n- An unparalleled rise in global venture capital financing, coinciding with a drop in the number of funded startups.\nOf course, Stanford also has a variety of its own specific advantages that help to explain the impressive rise in funding for Stanford startups over the past few decades. As Contrary Capital put in its inaugural university rankings:\n“If you’re a university entrepreneur, it’s tough to beat Stanford. It has it all: perhaps the best strategic location out of any university with Sand Hill Road on its doorstep, top-tier programs in nearly every field, and a decades-long entrepreneurial culture. Underappreciated in impact is Stanford’s leave of absence policy — students can leave for a full year without consequence. This dovetails well with their flexible curricula. Pairing access to high-quality resources with the freedom to work on anything predictably spawns interesting companies every year.”\nIn addition, some particular aspects that also play a role include Stanford’s classes, organizations, campus accelerators, student-run venture funds, and venture capital scout programs. We go into more detail in the sections below.\n“[Stanford’s] campus, in fact, seems designed to nurture such success. The founder of Sierra Ventures, Peter C. Wendell, has been teaching Entrepreneurship and Venture Capital part time at the business school for twenty-one years, and he invites sixteen venture capitalists to visit and work with his students. Eric Schmidt, the chairman of Google, joins him for a third of the classes, and Raymond Nasr, a prominent communications and public-relations executive in the Valley, attends them all. Scott Cook, who co-founded Intuit, drops by to talk to Wendell’s class. After class, faculty, students, and guests often pick up lattes at Starbucks or cafeteria snacks and make their way to outdoor tables.”\n— Ken Auletta, The New Yorker (2012)\nThe past decade has seen a major influx of venture capital and startup-related courses on Stanford’s campus.\nLean Launchpad, one of Stanford’s flagship entrepreneurship classes, was founded in 2010. (This class is discussed in more detail in the External Relationships section of this report.) Not long thereafter came CS 183 (aptly named “Startup”) taught by venture capitalist Peter Thiel ’89 JD ’92. Shortly after that came Startup Garage in 2013, and Sam Altman’s “How to Start a Startup” in 2014. Other popular classes from the last decade include Technology-Enabled Blitzscaling with Reid Hoffman ’90; Entrepreneurship and Venture Capital with Peter Wendell, Andy Rachleff MBA ’84, and Eric Schmidt; and Technology Entrepreneurship with Tom Byers. Today, according to our survey, over 50% of students “in tech” (and 38% of students in general) have taken an entrepreneurship class by their senior year.\nNote: A more robust list of entrepreneurship-related courses can be found on the Stanford Technology Ventures Program website.\nClubs & Organizations\nOutside of classes alone, Stanford’s campus is home to a host of venture capital-related clubs and organizations. Among undergraduates, the Business Association of Stanford Entrepreneurial Students (BASES), a Stanford-sponsored student organization, is popular and highly regarded. Along with hosting frequent chats with entrepreneurs, BASES runs the Startup Career Fair with BEAM, the official campus career center, and coordinates the annual Startup Challenge competition with a total of $100,000 in prize money. In a similar vein, ASES, a Stanford-based global entrepreneurship group, hosts VC3, a daylong event that brings together VC firms from Silicon Valley and Stanford-affiliated startups for rotating pitch sessions.\nA more tight-knit community on campus in this realm is Stanford Venture Capital Club (SVCC), founded in 2012. The club is comprised of a well-connected group of students working in and around venture capital. SVCC members work intimately with a handful of venture firms in Silicon Valley to conduct market research and work on various projects. Many have gone on to become investors themselves, with SVCC alumni at top venture firms including Sequoia, Founders Fund, Bessemer, CRV, and more.\nAmong graduate students, the GSB Entrepreneurship Club, or E-Club, is particularly popular. One of the oldest student-run entrepreneurial clubs in the nation, the organization hosts one of the largest annual conferences dedicated to entrepreneurship in the world. Today, the Entrepreneurship Club claims to be the most active student-run club within the Graduate School of Business community.\nStanford also provides its own host of accelerator programs, which serve not just as funding sources but also as mentorship opportunities for early-stage startup founders.\nOne of Stanford’s most successful accelerators is StartX, a non-profit educational accelerator and founder community for Stanford affiliates run by a number of entrepreneurs and Stanford professors. StartX was founded in 2009 and developed through $7M+ in grant funding from Stanford University and Stanford Health Care to support the university’s entrepreneurship ecosystem. (Today, StartX operates independently from the university.) StartX’s alumni include companies like Lime, Patreon, and Branch, to name a few; after ten years of activity, the combined market cap of StartX’s alumni is $25B+ with more than 80 acquisitions. According to a report in The Stanford Daily in 2019, “StartX has now guided 650 companies, 83 percent of which are growing or have been acquired… In a testament to its growth, StartX says its companies now raise $9.3 million on average, many times the $1.1 million its companies raised on average half a decade ago.”\nOnce referred to by Forbes as an “entrepreneurship factory,” Launchpad is an intensive ten-week program designed for Stanford students who are primed to prototype and sell business ideas. Founded in 2010, Launchpad runs on campus each spring and is taught by d.school adjunct professors Perry Klebahn and Jeremy Utley. Since its inception, Launchpad has helped Stanford-founded startups raise over $500 million in venture capital funding. Today, 60% of Launchpad ventures are still in business.\nStanford Venture Studio\nThe Stanford Venture Studio is an entrepreneurship hub for graduate students exploring new venture ideas. It connects students to resources, entrepreneurial expertise, and an interdisciplinary community of like-minded peers and alumni. Over a hundred teams work in the Venture Studio each year; the studio is not selective and offers year-round enrollment to graduate students from any Stanford school.\nIn 2012, Stanford lecturer Ravi Belani founded Alchemist Accelerator, a venture-backed accelerator focused on accelerating the development of “seed-stage ventures that monetize from enterprises.” In 2016, CB Insights rated Alchemist the top accelerator based on median funding rates of its graduates (Y Combinator held the #2 slot). The accelerator’s portfolio includes companies like MobileSpan, a Stanford-founded startup acquired by Dropbox in 2014. Since its formation, 34 of its accelerated companies have been acquired.\nAnother accelerator, and perhaps most familiar to Stanford students, is Cardinal Ventures, the equity-free startup accelerator run exclusively by and for students under Stanford Student Enterprises (SSE). Over the past five years, Cardinal Ventures has graduated over 90 companies, going on to cumulatively raise more than $366 million from venture funds like Sequoia, Y Combinator, Initialized, and Kleiner Perkins.\nAlthough not a campus-specific accelerator, we would be remiss not to reference Y Combinator, the powerhouse startup accelerator founded in 2005 by Paul Graham, Jessica Livingston, Trevor Blackwell, and Robert Tappan Morris. Originally, Y Combinator held two programs: one in Cambridge, Massachusetts, and one in Mountain View, California. In 2009, however, they announced that the Cambridge program would be closed and all future programs would take place in Silicon Valley. Y Combinator’s success coupled with this decisive move to the Silicon Valley ecosystem helped spur a series of new accelerator and incubator programs (like the ones mentioned above, among others). Access to such institutions has made — and continues to make — a significant difference in the fundraising prospects of Stanford founders and startups.\nStudent-run Venture Funds\nThe past decade has also seen the rise of student-run and student-owned VCs. Venture funds like Dorm Room Fund (founded in 2012 and backed by venture firm First Round) and Rough Draft Ventures (founded in 2012 and backed by venture firm General Catalyst) can also be found on Stanford’s campus, with a handful of both undergraduate and graduate students on the funds’ San Francisco investment teams.\nContrary Capital, another university-focused venture fund with a nationwide network of over 100 student venture partners across more than 50 universities, also has a presence at Stanford. Contrary’s portfolio includes DoorDash, which was founded in 2013 by four Stanford students.\nOn top of this, in 2010, Stanford University alumni and venture capitalists Miriam Rivera and Clint Korver founded Stanford Angels & Entrepreneurs (SA&E), which seeks to strengthen Stanford’s startup community by fostering relationships among entrepreneurs and alumni investors. Membership is open to all Stanford alumni and affiliates, including students, faculty, staff, and parents or spouses of alumni or students. To date, Stanford Angels & Entrepreneurs has helped fund over 40 startups.\nAnd if this were not yet enough, last year welcomed the birth of the Stanford 2020 Fund, a new venture fund created entirely by Stanford business school classmates to invest in their fellow students’ ventures. As of July 2020, they have already raised $1.5 million across 175 investors for the new fund, with 50 investors willing to give $500,000 on the waitlist. The group plans to invest between $50,000 and $100,000 in Stanford-founded startups depending on round size and valuation.\nVenture Capital Scout Programs\nLastly, a striking trend within the broader Silicon Valley entrepreneurial network is the rise of venture capital scout programs, where “scouts” — generally well-networked individuals — are empowered to invest money in startups (usually in ~$50k increments at the pre-seed and seed stages, the earliest stages of a company’s lifecycle) on behalf of a venture capital fund. Sequoia Capital is commonly credited with inventing the scout program in 2009; since then, the practice of employing scout programs has blossomed among legacy firms, who now deploy billion-dollar funds but still want to remain competitive with smaller investments at the seed stage.\nOf course, this trend of venture capital scout programs has naturally extended into Stanford’s university ecosystem. On Stanford’s campus specifically, scouts can be found from Sequoia, Lightspeed, Pear VC, and more.\n(Note: The list goes beyond what we can cover in this report. Other venture firms using such programs are Accel Partners, CRV, Founders Fund, Index Ventures, Social Capital, and Spark Capital, according to the Wall Street Journal.)\nPear VC’s program has a particularly strong impact on Stanford’s campus. Founded in 2014, Pear VC invests in startups spanning three stages of company development: pre-seed, seed, and Series A. Over the past six years, Pear’s portfolio has had two IPOs (Guardant Health and DoorDash), along with $5 billion in total capital raised. Pear has a strong belief in student founders: nearly 50% of their portfolio companies were founded by students. Of particular relevance here is Pear Dorm, their program specifically designed to provide entrepreneurial support to students and recent graduates. Coupled with this is their Pear Fellows program, which provides a VC apprenticeship for students interested in developing their venture capital knowledge and reputation. The program is limited to five campuses: Stanford, U.C. Berkeley, Harvard, MIT, and Penn. As such, Stanford students (both undergraduate and graduate) have historically found myriad ways to be involved with Pear VC while still enrolled full-time.\nAn Outlook for the Future\n“[Stanford is] the germplasm for innovation. I can’t imagine Silicon Valley without Stanford University.”\nStanford and VC are inextricably linked, given many of the major venture capital successes have come out of Stanford. In many ways, Stanford had a vital role in creating the Silicon Valley-style of venture capital we know today.\nAs we’ve seen, this symbiosis has become more tightly coupled over time as venture capitalists want increased access to the next generation of great founders. This has happened both from the VC side (Sequoia’s creation of the scout program, Pear VC’s reach on campus, etc.) as well as the university side (Startup Garage, Stanford Venture Capital Club, and other venture-related organizations).\nAt times, this coupling may go too far. For example, it’s not uncommon for Stanford professors to invest in their students’ companies — in 2013, a company named Clinkle made news for this reason. The company was funded in part by university professors, and Stanford’s then-president John Hennssey had served as the academic adviser to Clinkle’s CEO while was an undergraduate. Situations like this raise “complicated questions about values and conflicts: Do students get good grades if they start a company that their professors invest in? Professors have coercive power, which isn’t the best thing to pair with financial opportunity.” In 2012, a widely-discussed article titled “Get Rich U” summarized the overarching concern succinctly: “There are no walls between Stanford and Silicon Valley. Should there be?”\nHow will these trends evolve over the next decade? Perhaps we will see even tighter coupling between Stanford and Silicon Valley’s mutualistic relationship. Or, tangentially, maybe these trends will expand beyond just computer science and engineering: what would a “Startup Garage” in, say, the biology or robotics departments look like? Startup culture has slowly begun to trickle into other domains; for example, hackathons, historically hosted by tech companies/organizations and targeted towards software engineers, are now becoming more prevalent in other verticals. The Stanford Institute for Economic Policy Research is known for hosting “policy hackathons” on campus, like a hackathon for criminal justice reform in partnership with Stanford in Government. We anticipate that this trend will continue.\nWe also optimistically anticipate an increase in diverse founders and funders within Stanford and Silicon Valley’s respective ecosystems. In today’s bull market, venture capital is incredibly competitive. There are a large number of emerging funds sharing space (and competing for investment allocation) with larger, more institutional funds. Additionally, last year’s expanded accredited investor definition has further increased the pool of eligible investors for early-stage companies. Over the next decade, these trends will only intensify. As venture capital becomes increasingly accessible to founders, it will naturally have to expand to meet founders’ needs — that is, to include more diverse voices, backgrounds, and perspectives.\nIn particular, scout programs play an important role here. Serial entrepreneur and angel investor Jason Calacanis agrees: “They’ll never get enough credit for this, but one thing Sequoia did was use scouts to radically increase the amount of diversity in the industry… They opened the aperture to get more women and underrepresented investors [into their network].”\nOf course, there’s still a long road ahead. Only 9% of investment decision-makers in VC today are women; just 2% are Black. If the venture capital industry reached a wider group of investors, the economy would be better off. A more diverse venture ecosystem would help spread the wealth of economic growth to more people. With Stanford — and Silicon Valley as a whole — at the forefront of venture capital innovation, it is well-positioned to help accelerate these changes. As mentioned above, this is directly applicable to scout programs, which are becoming increasingly common: these programs should be composed of a diverse set of people, and unique backgrounds & perspectives should be viewed as a strategic advantage. But this recommendation can also be applied more broadly. Innovation is everywhere, so access to capital should be, too. Anywhere venture capital touches Stanford’s ecosystem — from classes to clubs to on-campus accelerators — the example should be set that diversity of thought, backgrounds, and experiences is a net positive for everyone. Working to make these changes will ensure that Stanford continues to raise the bar and set an example as one of the most successful universities in the world for innovation.", "domain": "economics"}
+{"url": "http://northamerica.mondigroup.com/northamerica/desktopdefault.aspx/tabid-1346/345_read-29069/", "date": "2018-12-13T04:42:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376824448.53/warc/CC-MAIN-20181213032335-20181213053835-00441.warc.gz", "language_score": 0.9440981149673462, "token_count": 1247, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__103037948", "lang": "en", "text": "Mondi Industrial Bags Invests in North American Plants for Efficiency, Quality and Service\nThe Industrial Bags business of Mondi in North America is in the midst of completing an investment at its North American plants that will improve product quality and speed shipments to customers throughout the continent. The investment consists primarily of high speed printing capability, packaging and robotic palletizing systems, new and upgraded warehousing, a clean room for food grade packaging production and a new IT system. The program began in July 2014 and is projected for completion during 2016.\n“The investment reflects Mondi Industrial Bags’ commitment to serving its North American customers with new levels of excellence that are in line with Mondi’s world class global standards for quality and efficiency,” says Mark Ushpol, President of Mondi Industrial Bags in North America. “We tapped Mondi’s vast global knowledge and experience in the industrial bags sector to identify and procure the fastest and most technically advanced packaging and printing resources. Our ultimate goal is to ensure our customers’ success.”\nMondi is in touch with its customers’ needs every day, and much of the North American investment has been in support of its “in touch” business proposition. “Our customers tell us that quality and on-time shipments are among their most important priorities,” Ushpol reports. “So while we have invested in machinery and equipment upgrades, our new IT system will further support our ability for greater customer intimacy, connection and ultimately increased supply chain integration. In addition, our associates across a multitude of functions are receiving training from experts across Mondi’s European plant network. They are quickly gaining market-leading skills and know-how established by Mondi over many years.”\nMondi’s new clean room will be located at the company’s Salt Lake City plant. It is equipped with detection equipment that provides a unique capability for food grade bag production. The clean room complements certain specific Mondi bag solutions, such as the trademarked Peel Pak® bag, which is qualified for dry dairy and related food-product clean room applications. For Mondi customers, the plant is a one-stop point for food grade bag purchases and accountability. Food quality certification has already been achieved at a number of Mondi’s NA plants, setting high standards customers can rely upon for their product packaging.\n“We have repositioned the business in the last 18 months to create a sustainable business and an innovative market presence, which supports our customer partnerships and strengthens our business relationships,” Ushpol notes. “We’ve had our challenges over this period. However, we’ve started to settle and our customers are acknowledging the improvements they’re beginning to see. Over the next year we will realize benefits from our investment, and our customers will experience the advantages of dealing with a leading, committed, global player in the IB market.”\nNew clean room will complement certain specific Mondi bag solutions, such as the trademarked Peel Pak® bag, which is qualified for dry dairy and related food-product clean room applications. (Photo courtesy of Mondi in North America.)\nMark Ushpol, President of Mondi Industrial Bags in North America.\nFour MIRALFEX CL flexographic presses are being installed as a part of Mondi’s investment. (Photo courtesy of Windmoeller & Hoelscher Corporation.)\nMedia Contact - Mondi in North America, Industrial Bags\nTel: +1 610-328-1051\nAbout Mondi Industrial Bags in North America\nMondi Industrial Bags, North America, produces ultra-strong paper bags for high-speed filling, air-permeable bags featuring hermetic and vacuum sealing, sewn open mouth, valve, pinch bottom, block bottom, woven polypropylene and slider bags, as well as two-ply bag constructions made from high performance kraft paper. It serves the sugar, gardening, building and construction, pet food and animal feed industries. Mondi offers the hygiene certification scheme AIB for food and animal feed applications.\nMondi creates packaging and paper solutions that touch millions of lives every day.\nWe are Mondi. IN TOUCH EVERY DAY.\nAt Mondi, our products protect and preserve the things that matter.\nMondi is an international packaging and paper Group, employing around 25,000 people across more than 30 countries. Our key operations are located in central Europe, Russia, North America and South Africa. We offer over 100 packaging and paper products, customised into more than 100,000 different solutions for customers, end consumers and industrial end uses - touching the lives of millions of people every day. In 2015, Mondi had revenues of €6.8 billion and a return on capital employed of 20.5%.\nThe Mondi Group is fully integrated across the packaging and paper value chain - from managing forests and producing pulp, paper and compound plastics, to developing effective and innovative industrial and consumer packaging solutions. Our innovative technologies and products can be found in a variety of applications including hygiene components, stand-up pouches, super-strong cement bags, clever retail boxes and office paper. Our key customers are in industries such as automotive; building and construction; chemicals; food and beverage; home and personal care; medical and pharmaceutical; packaging and paper converting; pet care; and office and professional printing.\nMondi has a dual listed company structure, with a primary listing on the JSE Limited for Mondi Limited under the ticker code MND and a premium listing on the London Stock Exchange for Mondi plc, under the ticker code MNDI.\nFor us, acting sustainably makes good business sense and is part of the way we work every day. We have been included in the FTSE4Good Index Series since 2008 and the JSE's Socially Responsible Investment (SRI) Index since 2007.\nLast change: 28/06/2016", "domain": "economics"}
+{"url": "https://www.latitudefinancialgroup.com/?redirectUrl=/resource-center/investment/the-return-of-market-volatility", "date": "2019-08-22T11:36:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027317113.27/warc/CC-MAIN-20190822110215-20190822132215-00281.warc.gz", "language_score": 0.9365423917770386, "token_count": 884, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__189108229", "lang": "en", "text": "As Seen In...\nBehavioral Financial Advice\nOur only priority is helping you achieve success financially. 95% or more of what you read, see, or hear about investments is attempting to predict what is going to happen. This is a fool's errand. What matters most is your spending, saving, and investing behavior. Vanguard researched the potential value added by an advisor in 2016. Their study measured the potential value added stating,\n\"Based on our analysis, advisors can potentially add about 3% in net returns\" ~ Vanguard research, 2016\nThe study also explained where the 3% potential additional returns could be found. An additional 1.5% of net returns could potentially be achieved through an advisor's behavioral coaching.\nEach of us has a unique money script from which we operate. According to a Money Magazine study conducted in 2014, 70% of married couples argue about money; ahead of fights about household chores, togetherness, sex, snoring, and what's for dinner.\nThe Smart Money Philosophy\nThe Smart Money Philosophy is about having a personalized plan that addresses you as a person and your life needs for money- expected and unexpected, embracing the certainty of uncertainty.\nSingle, Divorced or Widowed\nFacing new financial decisions can be stressful and overwhelming. Let us help during this difficult transition.Learn More\nStart here if you are single, divorced, or widowed\nFrom immediate needs to long-term goals, we help you prioritize your objectives with cohesive strategies.Learn More\nStart here if you are a family\nAs you build your career, we help you determine how to manage your wealth and maintain a healthy cash flow.Learn More\nStart here if you are a professional\nJuggling business ownership and your personal finances isn't easy. We can help you stay on track.Learn More\nStart here if you own a business\nThe Rule of 72\nDo you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.\nProblems with Probate\nProbate can be a completely public process, or it can be managed to include as little information as possible.\nWhat Is a Stretch IRA?\nIf you have a traditional IRA, you may have the opportunity to extend its tax-deferred status across multiple generations.\nThere are ways to improve your physical fitness without denting your fiscal fitness.\nVariable Universal Life is permanent insurance in which the policyholder directs how premiums are invested.\nIt sounds simple, but paying yourself first can really pay off.\nEven if you’re young and single, you should still consider protecting yourself.\nTry these activities to keep your brain sharp.\nYou taught them how to read and how to ride a bike, but have you taught your children how to manage money?\nEstimate the total cost in today's dollars of various mortgage alternatives.\nUse this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.\nEstimate how much you have the potential to earn during your working years.\nThis calculator will help determine whether you should invest funds or pay down debt.\nAssess how many days you'll work to pay your federal tax liability.\nAssess whether you are running “in the black” or “in the red” each month.\nA number of questions and concerns need to be addressed to help you better prepare for retirement living.\nThere are some smart strategies that may help you pursue your investment objectives\nPrinciples that can help create a portfolio designed to pursue investment goals.\nA presentation about managing money: using it, saving it, and even getting credit.\nThere are a number of ways to withdraw money from a qualified retirement plan.\nThere are some key concepts to understand when investing for retirement\nA will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate\nWhat is your plan for health care during retirement?\nSelecting a mortgage isn't an easy process. Get a better understanding of how professionals make the right decisions.\nThere are hundreds of ETFs available. Should you invest in them?\nEven low inflation rates can pose a threat to investment returns.\nThere are a few things to consider when buying or leasing your next vehicle.", "domain": "economics"}
+{"url": "https://enlacescanada.com/category/inmigracion-canada/", "date": "2024-04-14T21:30:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816893.9/warc/CC-MAIN-20240414192536-20240414222536-00284.warc.gz", "language_score": 0.9435240030288696, "token_count": 363, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__115952350", "lang": "en", "text": "According to Statistics Canada’s Labour Force Survey, immigrants in both Quebec and Canada are engaged in a wide range of occupations spanning various industries. While specific trends may vary, several common patterns emerge:\n1. Skilled Professions: Immigrants often occupy skilled professions such as healthcare, engineering, information technology, and finance. Many immigrants bring valuable expertise and qualifications from their home countries, contributing to the delivery of essential services and driving innovation in these sectors.\n2. Service Industry: Immigrants also make significant contributions to the service industry, including retail, hospitality, and customer service roles. Their diverse language skills and cultural competencies enhance customer experiences and facilitate communication in multicultural environments.\n3. Trades and Construction: In Quebec and Canada, immigrants are well-represented in trades and construction-related occupations. Many immigrants possess technical skills and experience in fields such as carpentry, plumbing, and electrical work, contributing to infrastructure development and urban growth.\n4. Entrepreneurship: Immigrants are increasingly engaged in entrepreneurship and small business ownership, driving economic activity and job creation. According to the Business Development Bank of Canada, immigrants are more likely to start businesses than native-born Canadians, launching ventures in diverse sectors such as retail, food services, and professional services.\n5. Caregiving and Support Services: Immigrants play a vital role in caregiving and support services, including childcare, eldercare, and home support. Many immigrants fill essential roles as caregivers, bringing compassion, cultural understanding, and dedication to their work in assisting vulnerable populations.\nThese trends underscore the diverse talents, skills, and contributions of immigrants to the Quebec and Canadian workforce. Embracing immigration and supporting the integration of newcomers into the labor market is essential for fostering economic growth, addressing labor shortages, and building inclusive communities.", "domain": "economics"}
+{"url": "https://mtropics.obs-mip.fr/2022/06/13/groundwater-irrigation-reduces-overall-poverty-but-increases-socioeconomic-vulnerability-in-a-semiarid-region-of-southern-india/", "date": "2023-10-02T08:47:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510983.45/warc/CC-MAIN-20231002064957-20231002094957-00673.warc.gz", "language_score": 0.9371088147163391, "token_count": 300, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__206110106", "lang": "en", "text": "The development of irrigation is generally considered an efficient way to reduce poverty in rural areas, although its impact on the inequality between farmers is more debated. In fact, assessing the impact of water management on different categories of farmers requires resituating it within the different dimensions of the local socio-technical context. This study, led by Chloé Fischer, tested this hypothesis in a semiarid area in Karnataka, South India, where groundwater irrigation was introduced five decades ago. Using the conceptual framework of comparative agriculture, based on farmers’ interviews, the authors built a farm typology, traced the trajectories of farm types over the last decades, and assessed their current technical and economic performances. The results show that the differentiation of farm trajectories since the 1950s has been linked with the development of groundwater irrigation, interplaying with their initial assets, and the evolution of the national and local contexts. The authors highlight the mechanisms by which irrigation indeed reduces poverty but engenders fragilities, particularly for poor households, whose situation was aggravated by the depletion of water resources over the last two decades. Finally, this extensive understanding of the agrarian context allowed to formulate and assess the potential of different ways forward, including irrigation technology, change in cropping or livestock systems, land tenure, and value added distribution. As such, this analysis would be of major interest to policy makers involved in reforming the agricultural context for better agricultural water management.\nThis paper has been published open access in the journal Scientific Reports.", "domain": "economics"}
+{"url": "http://northeastmidstream.com/index.html", "date": "2017-09-23T16:36:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-39/segments/1505818689752.21/warc/CC-MAIN-20170923160736-20170923180736-00716.warc.gz", "language_score": 0.9221927523612976, "token_count": 127, "dump": "CC-MAIN-2017-39", "global_id": "webtext-fineweb__CC-MAIN-2017-39__0__241936186", "lang": "en", "text": "Northeast Midstream LP\nNortheast Midstream LP is a Toronto-based energy partnership focused on delivering natural gas to communities and industries not currently served by traditional pipelines.\n- Our management team has extensive natural gas experience.\n- We’ve permitted a natural gas liquefaction facility in Thorold, Ontario, to supply LNG in southern Ontario and eastern United States.\n- We are proposing to deliver natural gas to customers in rural and northern Ontario, using an LNG model that is expandable to other underserved markets.\n- We are committed to contributing to the economic and environmental future of Ontario.", "domain": "economics"}
+{"url": "https://waleedsvintagecomics.com/blogs/why-invests-in-comics/why-invests-in-comics", "date": "2024-02-28T20:07:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474744.31/warc/CC-MAIN-20240228175828-20240228205828-00036.warc.gz", "language_score": 0.9699816107749939, "token_count": 432, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__92545825", "lang": "en", "text": "Investing in comic books can be a smart financial move for a number of reasons. For one, comic books have a long history of appreciating in value over time. This is due in part to the fact that comics are often produced in limited quantities, making them rare and sought-after by collectors. Additionally, comics that feature popular characters or storylines can become even more valuable as those characters or stories are adapted into movies, TV shows, and other forms of media.\nOne of the biggest benefits of investing in comic books is the potential for high returns. While there is no guarantee that a specific comic book will increase in value, many comics have appreciated significantly over the years. For example, a copy of Action Comics #1, which featured the first appearance of Superman, sold for $1 in 1938 and has since sold for millions of dollars. Similarly, a copy of Amazing Fantasy #15, which featured the first appearance of Spider-Man, sold for 12 cents in 1962 and has since sold for over $1.1 million.\nAnother benefit of investing in comic books is the ability to buy into a piece of pop culture history. Comics have played a significant role in shaping popular culture and have introduced some of the most iconic characters and stories of all time. Owning a piece of that history can be both a personal and financial investment.\nComic book investment is also relatively low-risk compared to other forms of investment. There is no need to worry about market fluctuations or the performance of a company. The value of a comic book is determined by its rarity and popularity.\nIn conclusion, investing in comic books can be a smart financial move for a number of reasons. The potential for high returns, the ability to buy into a piece of pop culture history, and the relatively low-risk nature of comic book investment make it a worthwhile consideration for any investor. As with any investment, it is important to do your research and invest wisely. With a little bit of knowledge and a keen eye for a good deal, you may just find that comic books are the perfect addition to your investment portfolio.\n~ Waleed's Vintage Comics Team", "domain": "economics"}
+{"url": "https://spunsilk.m.en.alibaba.com/company_profile.html", "date": "2020-11-27T09:15:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141191511.46/warc/CC-MAIN-20201127073750-20201127103750-00515.warc.gz", "language_score": 0.925405740737915, "token_count": 431, "dump": "CC-MAIN-2020-50", "global_id": "webtext-fineweb__CC-MAIN-2020-50__0__93469166", "lang": "en", "text": "- Business Type:\n- Manufacturer, Trading Company\n- Year Established:\n- Main Markets:\n- North America, South America, Eastern Europe, Southeast Asia, Africa\n- Registration No.:\nEstablished in 1986, Tongxiang City Heshan Weiye Textile Co., Ltd. was located in the Hangjiahu Economic Area. It is close to the great canal, the highway from Shanghai to Hangzhou and No. 320 National Highway. The former Heshan Spun Silk Mill was set up in 1986. After nearly 20 years of hard work, our company has grown and developed into a large scale enterprise.\nWith over 1,000 employees and an area of 53,000 square meters, our company enjoys a yearly yield of 10,000 spindles of spun silk habotai and 6,000,000 meters of spun silk pongee. By the end of 2003, our total output had amounted to USD 227,395,577 accumulatively and the foreign trade output USD 126,348,894. Meanwhile, our company gave financial and technological support to small local companies, helping them develop and creating good economic and social relations.\nOur leading product - \"Fengshu\" brand mulberry spun silk yarn enjoys great popularity and reputation in America, Canada, Italy, South Korea, Japan India, Pakistan and Nepal. Over the years, we were awarded several honors including \"A Strong Contributor To Foreign Exchange Nationwide\"; \"An Enterprise With Excellent Performance Nationwide\"; \"A Enterprise On The Largest Scale Of Operation Nationwide\"; \"Provincial Moral Enterprise\"; and \"One Of The Top 100 Export Companies in Jiaxing City\" by the Ministry of Agriculture and the Ministry of Economy and Trade.\nIf you are interested in any of our products, please feel free to contact us for more information. We are looking forward to forming business relations with customers from all over the world.\nQuick Response (last 30 days)\n46.2% of buyers that have contacted this supplier are responded to (Note: only includes responses sent via the My Alibaba Message Center or TradeManager)", "domain": "economics"}
+{"url": "http://led-oled.en.alibaba.com/company_profile.html", "date": "2016-02-08T01:40:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-07/segments/1454701152097.59/warc/CC-MAIN-20160205193912-00127-ip-10-236-182-209.ec2.internal.warc.gz", "language_score": 0.8551844954490662, "token_count": 431, "dump": "CC-MAIN-2016-07", "global_id": "webtext-fineweb__CC-MAIN-2016-07__0__158686768", "lang": "en", "text": "Zhongshan Huadengxing Lighting Co., Ltd.\n|Location:||Guangdong, China (Mainland)|\n|Year start exporting:||2012|\n|Total Employees:||51 - 100 People|\n|Total Annual Revenue:||US$1 Million - US$2.5 Million|\n|Average Lead Time:||7 Day(s)|\nZhongshan Huadengxing Lighting Co., Ltd., established in 2008, is a company specialized in lighting industry production and manufact...\nZhongshan Huadengxing Lighting Co., Ltd., established in 2008, is a company specialized in lighting industry production and manufacturing. We are located in the Lighting Capital of China, Guzhen Town, Zhongshan City.\nHuadengxing has been committed to the LED product development for years. We have different series LED products in project lighting, commercial lighting and residential lighting by years' unremitting efforts of our R&D department. Imported material, spare parts and machinery help us obtain CE, RoHS and ISO9001:2000 certifications. With safe, unique design, outstanding quality, environmental-friendly and competitive price, our products are exported to the USA, Europe, Australia, South Asia and other regions and countries. We can supply OEM and ODM services.\nSince LED is relatively new to the industry, we do feel that LED does continue to have a strong and prosperous future. In this rapidly developing field, Zhongshan Huadengxing Lighting Co., Ltd. focuses on the idea of \"honest business operation, reputation first, and our customer the utmost\" to ensure complete satisfaction.\nHuadengxing welcomes you, our customers, from all over the world to visit our company and share our business professionalism and enthusiasm.\nSouthern Europe : 10.00%\nSouth America : 8.00%\nFactory Size : 3,000-5,000 square meters\nNo. of Production Lines : 4\nNo. of R&D Staff : 11 - 20 People\nEmail to this supplier", "domain": "economics"}
+{"url": "https://cash-apps-help.sitey.me/", "date": "2023-02-06T09:32:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500334.35/warc/CC-MAIN-20230206082428-20230206112428-00383.warc.gz", "language_score": 0.9297927021980286, "token_count": 836, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__278696858", "lang": "en", "text": "What Is Cash App, And How Does It Work?\nCash App is a p2p payment app that allows users to transfer, receive, and invest money rapidly. Block, Inc. (previously Square, Inc.) released the app (formerly known as Square Cash) in 2013 to compete with mobile payment apps such as Venmo and PayPal.\nCash App is not a bank, but rather a financial platform. Through its bank partners, it offers financial services and debit cards. The Federal Deposit Insurance Corporation (FDIC) insures your account balance through partner banks. Cash App Investment LLC, a broker-dealer registered with the Securities and Exchange Commission (SEC) and a member of the Financial Industry Regulation Authority, provides investing services (FINRA).\nHow Does Cash App Work?\nYou must first download the Cash App mobile app, which is available for iOS (4.7 stars out of 5) and Android (4.6 stars out of 5). You can also create an account on the internet. The software includes sections for banking, debit cards, payments, investment, and Bitcoin, among other things.\nIs the Cash App secure?\nTo protect its users, Cash App claims to use the most up-to-date encryption and fraud-prevention technology. When you log into your account, the app will send you a one-time-use login code as a security safeguard. Additional security precautions are also available through the Cash App's configurable settings. Every Cash App payment, for example, requires your passcode if you enable a security lock. Within the app, you can also disable your Cash Card, which could be useful if your card is lost or stolen.\nMoney Sending and Receiving\nYou'll link an existing bank account to your Cash App account after you've created one. You can send and receive money using the mobile app once you've connected a payment source. Users can create a payment by entering a dollar amount in the green payment tab and tapping \"Request\" or \"Pay.\"\nMoney should be added.\nTo add money to your Cash App account, go to the banking page of the app and tap \"Add Cash.\" Select the decided amount and tap “Add.”\nWhen you receive payments, the money is held in your Cash App balance. You have the option of keeping it or transferring it to your associated bank account. Instant transfers are charged a fee (0.5 percent to 1.75 percent of the transfer amount, with a minimum fee of $0.25), but you can also choose a no-fee regular transfer, which takes one to three business days.\nTo get a Cash App Direct Deposit form:\nTap the Banking/Money tab on your Cash App home screen. Tap Direct Deposit. Select Get Direct Deposit Form. Fill out your employer information, the amount you would like to be deposited from each paycheck, and provide your signature.\nWhy is my direct deposit pending on Cash App?\nDirect transfer using \"Cash App Direct Deposit Pending\" refers to the fact that the recipient has not yet received or accepted the payment. For the first transaction, you must wait for the payment to complete, then you must manually accept the payments. The \"Pending\" tab is where you'll find it.\nHow do I Accept Cash App Payment Pending?\n1. On your phone, open the Cash app.\n2. From the clock icon in the bottom-right corner of your screen, select the \"Activity\" tab. 3. Right All pending transactions are listed under the \"Pending\" tab.\n4. Next to the pending payments, a green Accept Button will be displayed.\n5. To accept pending payments and receive money into your Cash App wallet, click \"Accept.\"\n6. When you click Accept, a pop-up will appear on your screen asking you to confirm that you want to accept the user's payment.\n7. From the bottom of the screen, select the \"Confirm\" button.\n8. To accept the pending payments on Cash App, tap \"Done.\"", "domain": "economics"}
+{"url": "https://blog.flipp.com/how-unit-pricing-can-help-you-save-big-money-on-groceries", "date": "2020-10-21T13:06:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107876500.43/warc/CC-MAIN-20201021122208-20201021152208-00328.warc.gz", "language_score": 0.9340468049049377, "token_count": 648, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__66831331", "lang": "en", "text": "You're standing in the cereal aisle looking for the best deal on a box for breakfast. With so many sizes, packages, and competing brands to choose from, which do you buy? If you're like most people you grab the 'Value Size' – or the biggest box – because buying in bulk is always a deal, right? Maybe not.\nComparing prices at the grocery store can be tricky. Whether you're shopping for food, shampoo, or laundry detergent there's an easy way to see which brand and size really saves you the most money.\nIt's called unit pricing, and it's a shopping trick you need in your life. In many stores, an item's unit price is printed next to the product price on the shelf label, and gives you the cost of the product for a standard unit of measure – for example, per ounce or per 100 grams. Having a price to compare between different sizes helps you choose the better deal without being swayed by familiar brands or nice packaging.\nSo let's say you want to buy some yogurt. Good, dairy is delicious. Now which is the better price: the big 24-ounce tub of yogurt for $3.79 or the smaller 16-ounce container for $2.19?\nThis is tricky to answer if the unit price isn’t listed on the price label. So here's the money-saving equation for finding the unit price and how to use it:\nTOTAL PRICE ÷ SIZE = UNIT PRICE\nUnit pricing takes the price of the item ($2.19 for a 16oz container of yogurt) and divides it by its size (for example, 16 ounces) and then gives you a price comparison ($2.19 divided by 16oz = $0.14 per ounce). You can now use the unit price to choose the better deal. Is the larger yogurt tub a better price per ounce? When you do the math ($3.79 divided by 24 ounces = $0.16 per ounce), you can see that the answer is nope! You'll save two cents per ounce by buying the smaller container.\nNow, two cents per ounce on a small tub of dairy doesn't sound like a lot, and it's not. But over time you'll notice similar products with 50-cent unit price differences, sale items that are more expensive than the value-sized option, and brand name products that retail for less than generic or store brand products.\nA few unit price gotchas to watch for:\n- The biggest jar is not always the best deal. Watch for it!\n- Many retailers use the same base units between brands for easy price comparison, but that's not always the case! Check shelf labels to see if the unit price lists the price per 100g or something else.\n- Sale items boasting special discount labels don’t always reveal the unit pricing. So you'll need to do the math yourself.\nBottom Line: By taking a quick peek at a product's unit price you'll find the better value and save considerable cash by being a more informed consumer.\nKerry K. Taylor is a consumer expert at Squawkfox.com.", "domain": "economics"}
+{"url": "https://www.bumckidsale.net/about-us", "date": "2023-12-07T07:13:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100650.21/warc/CC-MAIN-20231207054219-20231207084219-00145.warc.gz", "language_score": 0.945014476776123, "token_count": 251, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__278268593", "lang": "en", "text": "The BUMC Kidsale volunteer staff organizes in the Spring and Fall, a consignment sale of quality children’s clothing, toys, furniture and accessories for the benefit of mission programs at Brentwood United Methodist Church, Harvest Hands, Room in the Inn, Thembelihle School in South Africa, and the community-at-large. After each sale, the Kidsale is humbly able to distribute between $20,000 and $25,000 to the above ministries as well as to other smaller ministries in need of financial support.\nConsignors wishing to participate will automatically receive 70% of the selling price and BUMC will receive the other 30% to designate for missions. Consignors whose total sales are between $300 and $350 will receive 75% and consignors whose total sales is $350+ will receive 80%. In order to participate you must contribute at least 10 items deemed appropriate for the sale with 150 maximum items. A fee of $10 is due at time of check-in to assist with covering the costs of hosting the sale so that we can maximize the amount dispersed to the ministries.\nBrentwood United Methodist Church\n309 Franklin Road,\nBrentwood, TN 37027", "domain": "economics"}
+{"url": "https://gainesvilletruckcenter.com/east/", "date": "2023-12-11T09:46:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679103810.88/warc/CC-MAIN-20231211080606-20231211110606-00437.warc.gz", "language_score": 0.9432125687599182, "token_count": 556, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__34482349", "lang": "en", "text": "About East Manufacturing Company\nStrength, durability, quality, value and innovation all work together at East Manufacturing in the manufacture of trailers that take on some of the toughest jobs in the transportation industry.\nFounded in 1968, East is a privately-owned company that began operations in a 80-foot by 100-foot building, manufacturing aluminum dump trailers, one at a time. Since then the company has grown to become a multiple product, leading trailer manufacturer that employs over 500 people with facilities comprised of more than 800,000 square feet of manufacturing and warehouse space.\nEast sits on over 100 acres in Randolph, Ohio, providing ample space to meet both current and future growth requirements for trailer manufacturing, service and repair, storage, pick-up and delivery. At East, we sell through our network of over 70 dealer locations across North America.\nEast builds trailers to provide our customers with superior operational performance, strength, durability and longevity, while providing top value. Our dedicated and loyal workforce is key to our success, and the foundation to pursuit of excellence. Because of our people and our processes, we provide a top quality product, which exceeds customer expectations.\nVALUES & MISSION\nThe more you look at East, the more one overriding strength becomes clear. East is an investment in superior quality and value that proves itself, day after day, where it counts most-in a better bottom line.\nIt comes from the East equipment, and the way each model is engineered and built. Since 1968, East has been dedicated to making sure you have the best in class. You have the top value going in…the highest resale value coming out.\nIt comes from our innovative leadership, which keeps East equipment out front for others to follow. Ideas for greater efficiency, strength and durability – East puts them to work for you first.\nAnd it comes from the depth of support you get. East dealers are among the best in the industry at helping match equipment to needs…and getting the most out of it. Working with us at East, they offer you the knowledge, financial options and service backup that help make businesses run better.\nAt East, the bottom line is this: we’ve always figured that the more we add to your success, the more you’ll continue to look to us for equipment answers. So everything we do must prove to give the best quality and value…and the best return. We win when you win.\nWe have quality proven to last, it is no wonder East products continue to thrive. To discover the different products we have to offer, check out our website inventory. If you do not see something that suites your needs, give one of our knowledgeable sales representatives a call or stop by our showroom today!", "domain": "economics"}
+{"url": "http://powerworks.com/HotNewsDetail.aspx?h=58", "date": "2013-12-06T12:02:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386163051516/warc/CC-MAIN-20131204131731-00002-ip-10-33-133-15.ec2.internal.warc.gz", "language_score": 0.9078061580657959, "token_count": 291, "dump": "CC-MAIN-2013-48", "global_id": "webtext-fineweb__CC-MAIN-2013-48__0__68865657", "lang": "en", "text": "PowerWorks Wind Turbines LLC sold 15 PowerWorks 100 kW wind turbines to a developer in Nevada, who installed them for farmers in north-central Nevada, in late 2012.\nThe wind turbines were installed under the State of Nevada’s RenewableGenerations Program which is administered by NV Energy, Nevada’s largest public utility company. Under the program, the farmers will take advantage of the electricity produced from the wind turbines through net metering of their monthly electric bills from NV Energy. The electricity from the PowerWorks 100 kW wind turbines will offset the farmers’ high electricity costs from running crop irrigation pumps.\nPowerWorks Wind Turbines LLC sells, installs, and provides operations and maintenances services for the PowerWorks 100 kW wind turbines. PowerWorks can provide complete turn-key services for our 100 kW wind turbine, including comprehensive project/site engineering, wind studies, turbine installation and commissioning, support services pre and post startup, and operation and maintenance. We also maintain a complete spare parts inventory.\nFor more information about our 100 kW wind turbines, please visit our 100 kW wind turbine page.\nPowerWorks and its affiliates own and operate over 900 wind turbines in California and Idaho, with offices in California, Idaho, and Michigan. For further information, please contact Mr. Morgan McGovert, Senior Vice President, phone 925.230.8145, e-mail email@example.com", "domain": "economics"}
+{"url": "http://hallmark.echodigitalmedia.co.uk/terms-conditions/", "date": "2022-01-23T15:13:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320304287.0/warc/CC-MAIN-20220123141754-20220123171754-00244.warc.gz", "language_score": 0.9311507344245911, "token_count": 8368, "dump": "CC-MAIN-2022-05", "global_id": "webtext-fineweb__CC-MAIN-2022-05__0__165063551", "lang": "en", "text": "NOTE: The Buyer’s attention is in particular drawn to the provisions of condition 10.4.\n1.1 The definitions and rules of interpretation in this condition apply in these Conditions.\nBuyer: the person, firm or company who purchases the Products and/or Services from the Company.\nCompany: the relevant group company selling the Products and/or Services to the Buyer under the Contract, being Hallmark Panels Limited (company number 3024981), Laminated Supplies Limited (company number 791635) or Fortrace Limited (company number 2556377) (as the case may be) having its registered office at Valletta House, Valletta Street, Hedon Road, Hull HU9 5NP.\nCompany’s Equipment: any equipment, including tools, systems, cabling or facilities, provided by the Company or its subcontractors and used directly or indirectly in the supply of the Services which are not the subject of a separate agreement between the parties under which title passes to the Buyer\nContract: any contract between the Company and the Buyer for the sale and purchase of the Products and/or Services, incorporating these Conditions.\nDelivery Point: the place where delivery of the Products and/or Services is to take place under condition 4.\nProducts: any goods agreed in the Contract to be supplied to the Buyer by the Company (including any part or parts of them).\nServices: any site work and/or services to be provided by the Company as envisaged in condition 17, together with any other services which the Company provides, or agrees to provide, to the Buyer under the Contract.\n1.2 A reference to a particular law is a reference to it as it is in force for the time being taking account of any amendment, extension, application or re-enactment and includes any subordinate legislation for the time being in force made under it.\n1.3 Words in the singular include the plural and in the plural include the singular.\n1.4 A reference to one gender includes a reference to the other gender.\n1.5 Condition headings do not affect the interpretation of these Conditions.\n2.1 Subject to any variation under condition 2.3, the Contract shall be on these Conditions to the exclusion of all other terms and conditions (including any terms or conditions which the Buyer purports to apply under any purchase order, confirmation of order, specification or other document).\n2.2 No terms or conditions endorsed on, delivered with or contained in the Buyer’s purchase order, confirmation of order, specification or other document shall form part of the Contract simply as a result of such document being referred to in the Contract.\n2.3 These Conditions apply to all the Company’s sales and any variation to these Conditions and any representations about the Products and/or Services shall have no effect unless expressly agreed in writing and signed by a director or the company secretary of the Company. The Buyer acknowledges that it has not relied on any statement, promise or representation made or given by or on behalf of the Company which is not set out in the Contract. Nothing in this condition shall exclude or limit the Company’s liability for fraudulent misrepresentation.\n2.4 These Conditions do not apply in cases where the Company has supplied Products for use as samples or for display (‘showroom’) purposes. All such supplies are subject to the Company’s [Showroom Supply Terms & Conditions] as amended from time to time.\n2.5 Each order or acceptance of a quotation for Products and/or Services by the Buyer from the Company shall be deemed to be an offer by the Buyer to buy Products and/or Services subject to these Conditions.\n2.6 No order placed by the Buyer shall be deemed to be accepted by the Company until a written acknowledgement of order is issued by the Company or (if earlier) the Company delivers the Products or starts to provide any of the Services to the Buyer.\n2.7 The Buyer shall ensure that the terms of its order and any applicable specification are complete and accurate.\n2.8 Any quotation is given on the basis that no Contract shall come into existence until the Company despatches an acknowledgement of order to the Buyer. Unless otherwise expressly stated, any quotation is valid for a period of 30 days from its date, provided that the Company has not previously withdrawn it.\n3.1 The quantity and description of the Products and/or Services shall be as set out in the Company’s quotation or acknowledgement of order. In circumstances where relevant components or materials used in manufacturing the Products are not available, the Company reserves the right to substitute equivalent components or materials of at least the same quality and value.\n3.2 All samples, drawings, descriptive matter, weights, dimensions, power consumptions, specifications and advertising issued by the Company and any descriptions or illustrations contained in the Company’s catalogues, brochures and price lists are issued or published for the sole purpose of giving an approximate idea of the Products described in them. They shall not form part of the Contract and this is not a sale by sample.\n3.3 Without prejudice to condition 3.2, any performance figures relating to the Products published by the Company are based upon the Company’s experience and are such as the Company expects will be obtained, but they are estimates only and are not guaranteed.\n3.4 The Buyer acknowledges and agrees that it is the Buyer’s responsibility to ensure that:\n(a) the sites or foundations into which the Products are to be installed, including any framework or supports, are appropriate (which shall include, where necessary, taking appropriate architectural or other professional advice);\n(b) the installation and/or use of the Products at any location does not breach any relevant contract, covenant, local bye-law or restriction imposed by any local, municipal or government authority to which the Buyer (or the relevant location) is subject;\n(c) the Products fulfil any special requirements which the Buyer is bound to observe or fulfil;\nunless (in any such case) the Buyer has supplied details of the same to the Company and the Company has confirmed to the Buyer in writing that the Products supplied are appropriate, do comply and/or fulfil such requirements (as appropriate).\n4.1 Unless specifically agreed in writing between the parties, delivery of the Products shall take place by the Buyer (or its nominated carrier) collecting the Products at the Company’s place of business at Valletta House, Valletta Street, Hedon Road, Hull HU9 5NP (or at a such other storage location specified by the Company) at any time after the Company has notified the Buyer that the Products are ready for collection. In circumstances where it is agreed (in accordance with the foregoing) that delivery of the Products is to be made by the Company at any other location, this shall be effected by the Company (or its agents) delivering the Products (by a method of transport the Company thinks suitable) to the address of the Buyer agreed in writing by the parties.\n4.2 Unless otherwise agreed in writing between the parties, the Buyer shall collect (or take delivery of) the Products within 21 days of the Company giving it notice that the Products are ready for delivery.\n4.3 Any dates specified by the Company for delivery of the Products and/or performance of any Services are intended to be an estimate and time for delivery and/or performance shall not be made of the essence by notice. If no dates are so specified, delivery or performance shall be within a reasonable time.\n4.4 Subject to the other provisions of these Conditions the Company shall not be liable for any direct, indirect or consequential loss (all three of which terms include, without limitation, pure economic loss, loss of profits, loss of business, depletion of goodwill and similar loss), costs, damages, charges or expenses caused directly or indirectly by any delay in the delivery of the Products and/or performance of any Services (even if caused by the Company’s negligence), nor shall any delay entitle the Buyer to terminate or rescind the Contract unless such delay exceeds 120 days.\n4.5 If for any reason the Buyer fails to collect or take delivery of any of the Products when they are ready for delivery, or the Company is unable to deliver the Products and/or any Services on time because the Buyer has not provided appropriate instructions, documents, licences, authorisations or access:\n(a) risk in the Products shall pass to the Buyer (including for loss or damage caused by the Company’s negligence);\n(b) the Products shall be deemed to have been delivered; and\n(c) the Company may store the Products until delivery, whereupon the Buyer shall be liable for all related costs and expenses (including, without limitation, storage and insurance).\n4.6 The Buyer shall provide at the Delivery Point and at its expense adequate and appropriate equipment and manual labour for loading or unloading the Products.\n4.7 The Company may deliver the Products by separate instalments. Each separate instalment shall be invoiced and paid for in accordance with the provisions of the Contract.\n4.8 Each instalment shall be a separate Contract and no cancellation or termination of any one Contract relating to an instalment shall entitle the Buyer to repudiate or cancel any other Contract or instalment.\n5.1 The quantity of any consignment of Products as recorded by the Company on despatch from the Company’s place of business shall be conclusive evidence of the quantity received by the Buyer on delivery unless the Buyer can provide conclusive evidence proving the contrary.\n5.2 Where the Company has agreed to deliver the Products to the Buyer, the Company shall not be liable for any non-delivery of Products (even if caused by the Company’s negligence) unless the Buyer gives written notice to the Company of the non-delivery within 24 hours of the date when the Products would in the ordinary course of events have been received.\n5.3 Any liability of the Company for non-delivery of the Products shall be limited to replacing the Products within a reasonable time or issuing a credit note at the pro rata Contract rate against any invoice raised for such Products.\n6.1 The Products are at the risk of the Buyer from the time of delivery.\n6.2 Ownership of the Products shall not pass to the Buyer until the Company has received in full (in cash or cleared funds) all sums due to it in respect of:\n(a) the Products and any Services; and\n(b) all other sums which are or which become due to the Company from the Buyer on any account.\n6.3 Until ownership of the Products has passed to the Buyer, the Buyer shall:\n(a) hold the Products on a fiduciary basis as the Company’s bailee;\n(b) store the Products (at no cost to the Company) separately from all other goods of the Buyer or any third party in such a way that they remain readily identifiable as the Company’s property;\n(c) not destroy, deface or obscure any identifying mark or packaging on or relating to the Products; and\n(d) maintain the Products in satisfactory condition and keep them insured on the Company’s behalf for their full price against all risks to the reasonable satisfaction of the Company. On request the Buyer shall produce the policy of insurance to the Company.\n6.4 The Buyer may resell the Products before ownership has passed to it solely on the following conditions:\n(a) any sale shall be effected in the ordinary course of the Buyer’s business at full market value; and\n(b) any such sale shall be a sale of the Company’s property on the Buyer’s own behalf and the Buyer shall deal as principal when making such a sale.\n6.5 The Buyer’s right to possession of the Products shall terminate immediately if:\n(a) the Buyer has a bankruptcy order made against him or makes an arrangement or composition with his creditors, or otherwise takes the benefit of any statutory provision for the time being in force for the relief of insolvent debtors, or (being a body corporate) convenes a meeting of creditors (whether formal or informal), or enters into liquidation (whether voluntary or compulsory) except a solvent voluntary liquidation for the purpose only of reconstruction or amalgamation, or has a receiver and/or manager, administrator or administrative receiver appointed of its undertaking or any part thereof, or documents are filed with the court for the appointment of an administrator of the Buyer or notice of intention to appoint an administrator is given by the Buyer or its directors or by a qualifying floating charge holder (as defined in paragraph 14 of Schedule B1 to the Insolvency Act 1986), or a resolution is passed or a petition presented to any court for the winding-up of the Buyer or for the granting of a administration order in respect of the Buyer, or any proceedings are commenced relating to the insolvency or possible insolvency of the Buyer; or\n(b) the Buyer suffers or allows any execution, whether legal or equitable, to be levied on his/its property or obtained against him/it, or fails to observe or perform any of his/its obligations under the Contract or any other contract between the Company and the Buyer, or is unable to pay its debts within the meaning of section 123 of the Insolvency Act 1986 or the Buyer ceases to trade; or\n(c) the Buyer encumbers or in any way charges any of the Products.\n6.6 The Company shall be entitled to recover payment for the Products notwithstanding that ownership of any of the Products has not passed from the Company.\n6.7 The Buyer grants the Company, its agents and employees an irrevocable licence at any time to enter any premises where the Products are or may be stored in order to inspect them, or, where the Buyer’s right to possession has terminated, to recover them.\n6.8 Where the Company is unable to determine whether any Products are the goods in respect of which the Buyer’s right to possession has terminated, the Buyer shall be deemed to have sold all goods of the kind sold by the Company to the Buyer in the order in which they were invoiced to the Buyer.\n6.9 On termination of the Contract, howsoever caused, the Company’s (but not the Buyer’s) rights contained in this condition 6 shall remain in effect.\n7.1 Unless otherwise agreed by the Company in writing, the price for the Products shall be the price set out in the Company’s price list published on the date of delivery or deemed delivery.\n7.2 The Company may at any time increase the price for the Products by an amount equal to the increase in the Company’s cost in carrying out its obligations under the Contract which is due to any factor beyond the control of the Company (including but not limited to any significant increase in raw material, labour or energy costs or other costs of manufacture, any foreign exchange fluctuation, currency regulation or alteration of duties) and a proportionate increase in price required to preserve the Company’s profit margin.\n7.3 The Buyer shall be liable to pay to the Company, on demand, all reasonable costs, charges or losses sustained or incurred by the Company (including, without limitation, any direct, indirect or consequential losses, loss of profit and loss of reputation, loss or damage to property and those arising from injury to or death of any person and loss of opportunity to deploy resources elsewhere) arising directly or indirectly from the Buyer’s fraud, negligence, failure to perform or delay in the performance of any of its obligations under the Contract. In any case where drawings, plans, specifications, or other information are sought from the Buyer to enable the Company to proceed with the Contract, the price may be increased by the Company if such documents or information is not made available by the Buyer to the Company before entering into the Contract.\n7.4 The price for the Products shall be exclusive of any value added tax and all costs or charges in relation to packaging, loading, unloading, carriage and insurance, all of which amounts the Buyer shall pay in addition when it is due to pay for the Products.\n8.1 Subject to condition 8.4, unless otherwise agreed in writing between the Company and the Buyer payment of the price for the Products is due in pounds sterling on the last working day of the month following the month in which the Company’s invoice in respect thereof is dated.\n8.2 Time for payment shall be of the essence.\n8.3 No payment shall be deemed to have been received until the Company has received cleared funds.\n8.4 All payments payable to the Company under the Contract shall become due immediately on its termination despite any other provision.\n8.5 The Buyer shall make all payments due under the Contract in full without any deduction whether by way of set-off, counterclaim, discount, abatement or otherwise unless the Buyer has a valid court order requiring an amount equal to such deduction to be paid by the Company to the Buyer.\n8.6 If the Buyer fails to pay the Company any sum due pursuant to the Contract, without prejudice to any other rights the Company may have:\n(a) the Buyer shall be liable to pay interest to the Company on such sum from the due date for payment at the annual rate of 4% above the base lending rate from time to time of the Company’s bankers in the United Kingdom from time to time, accruing on a daily basis until payment is made, whether before or after any judgment. The Company reserves the right to claim interest under the Late Payment of Commercial Debts (Interest) Act 1998; and\n(b) the Company may suspend collection or delivery of any Products and Services until payment in full of all outstanding sums has been made.\n9.1 Where the Company is not the manufacturer of the Products, the Company shall endeavour to transfer to the Buyer the benefit of any warranty or guarantee given to the Company and the Company’s liability shall not exceed the amounts recovered from the manufacturer concerned.\n9.2 The Company warrants that (subject to the other provisions of these Conditions) on delivery, and for a period of 12 months from the date of delivery, the Products shall:\n(a) be of satisfactory quality within the meaning of the Sale of Goods Act 1979; and\n(b) be reasonably fit for their usual purpose (or any particular purpose for which the Products are being bought if the Buyer had made known that purpose to the Company in writing and the Company has confirmed in writing that it is reasonable for the Buyer to rely on the skill and judgement of the Company).\n9.3 The Company may at its discretion also provide an extended warranty of up to 10 years in respect of certain types of products supplied by the Company which may apply to the Products. If such extended warranty is to be provided in relation to any of the Products, the Company shall confirm this in writing to the Buyer in the Contract, and shall be subject to the Company’s Extended Guarantee Terms & Conditions (which includes certain conditions and exclusions which affect the Buyer’s ability to make a claim under it). The Buyer acknowledges and agrees that neither the Company’s warranty (referred to in condition 9.2) nor any extended warranty which may be available (referred to in this condition 9.3) relating to the Products is a “consumer guarantee” and the Buyer shall not hold the Company out as providing any guarantee to the Buyer’s customers or the end users in relation to the Products (whether in its advertising or otherwise). (For the purposes of this condition 9.3 a “consumer guarantee” shall have the meaning set out in The Sale and Supply of Goods to Consumers Regulations 2002).\n9.4 The Company shall not be liable for a breach of any of the warranties in conditions 9.2 or 9.3 unless:\n(a) if the defect is as a result of damage in transit (and such defect is visible on reasonable inspection) the Buyer must verbally notify the Company and the carrier of such damage within 24 hours of the time of delivery (and confirm the same to the Company in writing within [7 days] of delivery);\n(b) (subject to condition 9.4(a)) the Buyer gives written notice of the defect to the Company within 1 month of the time when the Buyer discovers or ought to have discovered the defect; and\n(c) the Company is given a reasonable opportunity after receiving notification by the Buyer under either condition 9.4(a) or (b) of examining such Products and the Buyer (if asked to do so by the Company and if reasonably practicable) arranges the return of such Products to the Company’s place of business at the Company’s cost for the examination to take place there.\n9.5 The Company shall not be liable for a breach of any of the warranties in conditions 9.2 or 9.3 if:\n(a) the defect arises because the Buyer failed to follow the Company’s oral or written instructions as to the storage, installation, commissioning, use or maintenance of the Products or (if there are none) good trade practice; or\n(b) the Buyer alters or repairs such Products without the written consent of the Company; or\n(c) the defect has arisen from a drawing, design or specification supplied by the Buyer in relation to the Products.\n9.6 Subject to condition 9.4 and condition 9.5, if any of the Products do not conform with any of the warranties in condition 9.2 the Company shall at its option repair or replace such Products (or the defective part) or refund the price of such Products at the pro rata Contract rate provided that, if the Company so requests, the Buyer shall, at the Company’s expense, return the Products or the part of such Products which is defective to the Company.\n9.7 If the Company complies with condition 9.6 it shall have no further liability for a breach of any of the warranties in condition 9.2 in respect of such Products.\n9.8 Any Products replaced under condition 9.6 shall belong to the Company and any repaired or replacement Products shall be guaranteed on these terms for the unexpired portion of the 12 month period referred to in condition 9.2.\n10.1 Subject to condition 4, condition 5 and condition 9, the following provisions set out the entire financial liability of the Company (including any liability for the acts or omissions of its employees, agents and sub-contractors) to the Buyer in respect of:\n(a) any breach of these Conditions or the Contract;\n(b) any use made or resale by the Buyer of any of the Products or the Services or any part of them, or of any product incorporating any of the Products; and\n(c) any representation, statement or tortious act or omission including negligence arising under or in connection with the Contract.\n10.2 All warranties, conditions and other terms implied by statute or common law (save for the conditions implied by section 12 of the Sale of Goods Act 1979) are, to the fullest extent permitted by law, excluded from the Contract.\n10.3 Nothing in these Conditions excludes or limits the liability of the Company:\n(a) for death or personal injury caused by the Company’s negligence; or\n(b) under section 2(3), Consumer Protection Act 1987; or\n(c) for any matter which it would be illegal for the Company to exclude or attempt to exclude its liability; or\n(d) for any liability incurred by the Buyer as a result of any breach by the Company of the condition as to title or the warranty as to quiet possession implied by section 2 of the Supply of Goods and Services Act 1982; or\n(e) for fraud or fraudulent misrepresentation.\n10.4 Subject to condition 10.2 and condition 10.3:\n(a) the Company’s total liability for any loss, damage, costs, claims or expenses suffered by the Buyer in contract, tort (including negligence or breach of statutory duty), misrepresentation, restitution or otherwise, arising in connection with the performance or contemplated performance of the Contract shall be limited as follows:\n(i) in the case of liability arising from damage to [physical or real property], [including loss of data], the limit of liability shall be £1,000,000 in respect of any one event or series of connected events; and\n(ii) in respect of any other liability the Supplier’s aggregate liability shall in no circumstances exceed the Contract price; and\n(b) the Company shall not be liable to the Buyer for loss of profit, loss of business, or depletion of goodwill in each case whether direct, indirect or consequential, or any claims for consequential compensation whatsoever (howsoever caused) which arise out of or in connection with the Contract.\n10.5 If the Company’s performance of its obligations under the Contract is prevented or delayed by any act or omission of the Buyer, its agents, subcontractors, consultants or employees, the Company shall not be liable for any costs, charges or losses sustained or incurred by the Buyer arising directly or indirectly from such prevention or delay.\n10.6 Without prejudice to the generality of condition 10.1, for the avoidance of doubt, the limitations and exclusions in this condition 10 in respect of the financial liability of the Company shall apply to (inter alia) any penalties, indemnity payments or other charges levied on the Buyer by its own customer or client.\n11.1 If Products are manufactured by the Company in accordance with a specification or design or special requirements (including without limitation the application of any process) supplied by the Buyer, the Buyer shall be responsible for ensuring that so far as is reasonably practicable the Products are so designed as to be safe and without risk to health when properly used, that such testing and examination is carried out as may be reasonably necessary for ensuring that the Products are so designed and that adequate information will be available in connection with the use of the Products at work about the use for which they are designed and tested and about any conditions necessary to ensure that when put to that use, the Products will be safe and without risk to health.\n11.2 The Buyer shall indemnify the Company against all loss, costs, claims, expenses and damages awarded against or incurred by the Company arising out of:\n(a) any failure on the part of the Buyer to carry out its responsibilities referred to in condition 11.1 and for all costs and expenses incurred by the Company in dealing with any such claims and rectifying any defects in the Products; and\n(b) any alleged infringement of any patent, trade mark, registered design, design right, copyright or other industrial or intellectual property rights of any other person arising out of the manufacture or sale of Products made to the specification or special requirements (including without limitation the application of any process) of the Buyer.\n12.1 All written information, drawings, artwork, images and diagrams (excluding the Products themselves) prepared by the Company in relation to the supply of Products and the copyright therein and all other items owned by the Company and used in the production of the Products shall remain the property of the Company and shall be returned by the Buyer on demand. All such information shall be treated as confidential and shall not be copied or reproduced or disclosed to any third party without the prior written consent of the Company.\n12.2 The Buyer shall ensure that its employees, servants and agents and all those under the Buyer’s control and supervision shall comply with the obligations of confidentiality contained in condition 12.1.\n12.3 The supply of Products by the Company shall not confer any right upon the Buyer to use any of the Company’s trade marks (except in the re-sale of the Products in the packaging supplied by the Company), or any of the Company’s patents, design rights or other industrial or intellectual property rights, and at all times such patents, trade marks, design rights and other industrial or intellectual property rights shall remain the absolute property of the Company (or its suppliers).\n12.4 The Buyer shall not without the prior consent in writing of the Company exhibit any Products at any exhibition or trade display (such consent not to be unreasonably withheld).\n13.1 The Company may assign the Contract or any part of it to any person, firm or company.\n13.2 The Buyer shall not be entitled to assign the Contract or any part of it without the prior written consent of the Company.\nThe Company reserves the right to defer the date(s) of delivery of Products or performance of any Services or to cancel the Contract or reduce the volume of the Products or Services ordered by the Buyer (without liability to the Buyer) if it is prevented from or delayed in the carrying on of its business due to circumstances beyond the reasonable control of the Company including, without limitation, acts of God, governmental actions, war or national emergency, acts of terrorism, protests, riot, civil commotion, fire, explosion, flood, epidemic, lock-outs, strikes or other labour disputes (whether or not relating to either party’s workforce), failure or delays by sub-contractors or restraints or delays affecting carriers or inability or delay in obtaining supplies of adequate or suitable materials, provided that, if the event in question continues for a continuous period in excess of 180 days, the Buyer shall be entitled to give notice in writing to the Company to terminate the Contract.\nThe term “agent” as applied to those persons firms or companies either in the United Kingdom or elsewhere with whom the Company has made arrangements for the sale of its Products is a nominal one, and indicates only that they are local representatives appointed for the convenience of customers and through whom enquiries or orders may be received and dealt with by the Company. They are not authorised by the Company to incur any liability, give any guarantee or warranty, make any representation or transact any business whatsoever on behalf of the Company other than the offering for sale of the Company’s Products upon the terms of these Conditions.\n14.1 Each right or remedy of the Company under the Contract is without prejudice to any other right or remedy of the Company whether under the Contract or not.\n14.2 If any provision of the Contract is found by any court, tribunal or administrative body of competent jurisdiction to be wholly or partly illegal, invalid, void, voidable, unenforceable or unreasonable it shall to the extent of such illegality, invalidity, voidness, voidability, unenforceability or unreasonableness be deemed severable and the remaining provisions of the Contract and the remainder of such provision shall continue in full force and effect.\n14.3 Failure or delay by the Company in enforcing or partially enforcing any provision of the Contract shall not be construed as a waiver of any of its rights under the Contract.\n14.4 Any waiver by the Company of any breach of, or any default under, any provision of the Contract by the Buyer shall not be deemed a waiver of any subsequent breach or default and shall in no way affect the other terms of the Contract.\n14.5 The parties to the Contract do not intend that any term of the Contract shall be enforceable by virtue of the Contracts (Rights of Third Parties) Act 1999 by any person that is not a party to it.\n14.6 Subject to condition 12, no variation of the Contract or these Conditions or of any of the documents referred to in them shall be valid unless it is in writing and signed by or on behalf of each of the parties.\n14.7 Unless specifically provided otherwise, rights arising under the Contract are cumulative and do not exclude rights provided by law.\n14.8 Nothing in these Conditions or the Contract is intended to, or shall be deemed to, constitute a partnership or joint venture of any kind between any of the parties, nor constitute any party the agent of another party for any purpose. No party shall have authority to act as agent for, or to bind, the other party in any way.\n14.9 The formation, existence, construction, performance, validity and all aspects of the Contract shall be governed by English law and the parties submit to the exclusive jurisdiction of the English courts.\n15.1 All communications between the parties about the Contract shall be in writing and delivered by hand or sent by pre-paid first class post or sent by fax:\n(a) (in case of communications to the Company) to its registered office or such changed address as shall be notified to the Buyer by the Company; or\n(b) (in the case of the communications to the Buyer) to the registered office of the addressee (if it is a company) or (in any other case) to any address of the Buyer set out in any document which forms part of the Contract or such other address as shall be notified to the Company by the Buyer.\n15.2 Communications shall be deemed to have been received:\n(a) if sent by pre-paid first class post, two days (excluding Saturdays, Sundays and bank and public holidays) after posting (exclusive of the day of posting); or\n(b) if delivered by hand, on the day of delivery; or\n(c) if sent by fax on a working day prior to 4.00 pm, at the time of transmission and otherwise on the next working day.\n15.3 Communications addressed to the Company shall be marked for the attention of the Company Secretary.\n18.1 In these Conditions “Incoterms” means the international rules for the interpretation of trade terms of the International Chamber of Commerce as in force at the date when the Contract is made. Unless the context otherwise requires, any term or expression which is defined in or given a particular meaning by the provisions of Incoterms shall have the same meaning in these Conditions, but if there is any conflict between the provisions of Incoterms and these Conditions, the latter shall prevail.\n18.2 Where the Products are supplied for export from the United Kingdom, the provisions of this condition 18 shall (subject to any special terms agreed in writing between the Buyer and the Company) apply notwithstanding any other provision of these Conditions.\n18.3 The Buyer shall be responsible for complying with any legislation or regulations governing the importation of the Products into the country of destination and for the payment of any duties on them.\n18.4 Unless otherwise agreed in writing between the Buyer and the Company, the Products shall be delivered FOB the United Kingdom air or sea port of shipment in the United Kingdom and the Company shall be under no obligation to give notice under section 32(3) of the Sale of Goods Act 1979.\n18.5 The Buyer shall be responsible for arranging for testing and inspection of the Products at the Company’s premises before shipment. The Company shall have no liability for any claim in respect of any defect in the Products which would be apparent on inspection and which is made after shipment, or in respect of any damage during transit.\n18.6 Unless otherwise agreed in writing between the Buyer and the Company, payment of all amounts due to the Company shall be made by irrevocable letter or credit opened by the Buyer in favour of the Company and confirmed by a bank in the United Kingdom acceptable to the Company or, if the Company has agreed in writing on or before acceptance of the Order to waive this requirement, by acceptance by the Buyer and delivery to the Company of a bill of exchange drawn on the Buyer payable 60 days after sight to the order of the Company at such branch of Barclays Bank in England as may be specified in the bill of exchange.\n17.1 In the event that the Buyer carries out any work at the Buyer’s premises or any other designated site (including installing, replacing or repairing Products, or erecting any prefabricated or permanent buildings or other structures)(Services), such Services shall be provided in accordance with these Conditions.\n17.2 The Buyer shall without delay and at its own expense:\n(a) clear and prepare the site (and if so required provide proper foundations and services to the Company’s satisfaction) including identifying, monitoring, removing and disposing of any hazardous materials from any of its premises in accordance with all applicable laws, and provide on the site adequate water, electricity, gas light and such other facilities and services as will enable the Company to carry out the Services expeditiously and without interruption;\n(b) permit access to the site for the Company’s agents servants officers contractors and all other persons which the Company requires on site, and inform the Company and such personnel of all health and safety rules and regulations and any other reasonable security requirements that apply at the site; and\n(c) provide to the Company, in a timely manner, such information and data as the Company may reasonably require and ensure that it is accurate in all material respects;\n(d) obtain and maintain all necessary licences and consents and comply with all relevant legislation in relation to the Services, in all cases before the date on which the Services are to start;\n(e) co-operate with the Company in all matters relating to the Services and provide such assistance, unskilled labour, lifting tackle and appliances as may be required.\n17.3 The Company shall use reasonable endeavours to meet any performance dates agreed in relation to the Services, but any such dates shall be estimates only and time shall not be of the essence for performance of the Services.\n17.4 The Company shall use reasonable endeavours to observe all health and safety rules and regulations, and any other reasonable security requirements that apply at the Buyer’s premises and that have been communicated to it under condition 17.2(b), provided that it shall not be liable under the Contract if, as a result of such observation, it is in breach of any of its obligations under the Contract.\n17.5 In consideration of any Services provided by the Company, the Buyer shall pay the Company’s charges on a time and materials basis calculated in accordance with the Company’s standard hourly fee rates and shall reimburse the Buyer in respect of any travelling and subsistence expenses at its standard rates (each as amended from time to time). The Company shall invoice the Buyer in arrears for its charges for time, expenses and materials (together with VAT where appropriate) which invoices shall be payable in accordance with condition 8.\n17.6 The Company may, from time to time and without notice, change the Services in order to comply with any applicable safety or statutory requirements, provided that such changes do not materially affect the nature, scope of, or the charges for the Services.\n17.7 The Company recommends that the Buyer arranges for its own representative to be present on site at the time of performance of the Services to enable the Buyer to inspect the works following completion. If the Buyer fails to do so, the written report of the Company in relation to completion of the Services shall be final.\nWithout prejudice to any other rights it may have, the Company shall have a general lien in respect of all sums due from or claims against the Buyer upon all goods to be supplied to the Buyer or upon which work has been or is to be done on the Buyer’s behalf. The Company shall be entitled, upon not less than 14 days’ written notice to the Buyer, to sell any goods of the Buyer upon which the Company has any lien and, where the property in such goods is at the time of such sale in the Buyer, shall be deemed to be his agent for the purpose of effecting such sale. The Company may apply the proceeds of such sale towards the satisfaction of sums due from and/or claims against the Buyer without prejudice to the Company’s right to recover the balance thereof from the Buyer.", "domain": "economics"}
+{"url": "https://rsl-group.com/our-projects/leviathan-vent-boom/", "date": "2023-09-25T10:03:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233508959.20/warc/CC-MAIN-20230925083430-20230925113430-00288.warc.gz", "language_score": 0.9453138113021851, "token_count": 180, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__151631505", "lang": "en", "text": "Heerema Fabrication Group (HFG) were awarded the Procurement and Construction contract for the Noble Energy Leviathan Vent Boom under the Heerema Marine\nConstruction started in the first quarter of 2018 at the Heerema hartlepool yard in the UK. The sail away was in the second quarter 2019. The Vent Boom has a length of over 130 meters and was later lifted into position offshore by Heerema Marine Contractors’ newest heavy lift vessel Sleipnir.\nThe Leviathan Gas Field is located approximately 125 km west of Haifa, Israel, and 35 km west of the Tamar field, in the Eastern Mediterranean Levantine Basin. The project will be a subsea production system connecting high-rate subsea wells to a fixed platform. The subsea production system and fixed platform will be designed to accommodate up to 2,100 million standard cubic feet per day.", "domain": "economics"}
+{"url": "https://simulatorsgames.com/basics-of-forex-trading/", "date": "2024-02-26T02:25:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474649.44/warc/CC-MAIN-20240225234904-20240226024904-00475.warc.gz", "language_score": 0.9347163438796997, "token_count": 1673, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__99087225", "lang": "en", "text": "Forex trading, also known as foreign exchange trading or currency trading, is the buying and selling of currencies with the aim of generating a profit. It involves trading one currency against another and speculating on the fluctuations in their exchange rates.\nForex trading is typically done through a broker or market maker, and can be conducted 24 hours a day, five days a week. It’s a popular form of trading due to its potential for high returns, but it also carries a high level of risk.\nHow to Trade Forex:\nI can explain the basics of how to trade forex.\n- Learn the basics: Before you start trading, you should learn about the forex market, including the different currencies, how they are traded, and the factors that influence their exchange rates. There are many online resources available, such as tutorials, webinars, and e-books that can help you get started.\n- Choose a forex broker: You’ll need to choose a forex broker that provides you with a trading platform and access to the forex market. Look for a broker that is regulated and has a good reputation.\n- Open a trading account: Once you’ve chosen a broker, you’ll need to open a trading account. You’ll need to provide some personal information and complete the necessary paperwork. You may also need to make a deposit to fund your account.\n- Analyze the market: Before you make a trade, you’ll need to analyze the market to determine which currency pairs to trade and when to enter and exit the market. There are a variety of tools and strategies you can use for market analysis, including technical analysis and fundamental analysis.\n- Place your trades: Once you’ve analyzed the market, you’ll need to place your trades through your trading platform. You’ll need to specify the currency pair, the trade size, and the direction of the trade (buy or sell).\n- Monitor your trades: After you’ve placed your trades, you’ll need to monitor them to see how they are performing. You can do this through your trading platform, which will show you the current price of the currency pair and any profits or losses you’ve made.\n- Manage your risk: Forex trading carries a high level of risk, so it’s important to manage your risk carefully. This may involve using stop-loss orders to limit your potential losses, or using leverage with caution.\nOverall, forex trading requires a combination of knowledge, skill, and discipline. It’s important to be patient and to develop a trading strategy that works for you.\nIs forex trading good for beginners?\nForex trading can be good for beginners, but it is important to approach it with caution and a willingness to learn. The foreign exchange market can be complex and volatile, so it is important for beginners to take the time to educate themselves on the basics of trading, risk management, and market analysis. One way to start is by using a demo trading account, which allows you to practice trading without risking any real money. As you gain experience and confidence, you can gradually move on to trading with real funds. It’s also important to keep in mind that forex trading involves risks, so it’s important to have a solid trading plan and to never trade more than you can afford to lose.\nBest Forex Trading Platforms for Beginners\nThere are several forex trading platforms that are well-suited for beginners. Here are some of the most popular ones:\n- MetaTrader 4 (MT4): This is one of the most widely used forex trading platforms in the world. It offers a user-friendly interface, a variety of charting tools, and the ability to use automated trading strategies.\n- eToro: This platform is known for its social trading features, which allow you to copy the trades of more experienced traders. It also offers a demo account for beginners to practice trading without risking real money.\n- FOREX.com: This platform is part of GAIN Capital Holdings, Inc., which is a publicly-traded company. It offers a range of educational resources for beginners, including webinars and a trading academy.\n- Plus500: This platform offers a simple and intuitive interface, as well as a demo account for beginners. It also offers a range of trading instruments, including forex, stocks, and commodities.\n- IQ Option: This platform is known for its low minimum deposit requirement and user-friendly interface. It also offers a range of educational resources for beginners, including video tutorials and a trading blog.\nBefore choosing a forex trading platform, it’s important to do your research and ensure that you understand the fees, features, and tools offered by each platform.\nIs forex trading profitable?\nYes, forex trading can be profitable, but it requires a solid understanding of the market, effective trading strategies, and sound risk management practices. As with any investment, there are risks involved in forex trading, but with a well-planned approach, traders can potentially earn significant profits.\nHowever, it’s important to note that not all traders make money, and losses can occur as well. Success in forex trading often depends on a trader’s ability to analyze market trends and make informed decisions based on that analysis. It’s also important to have realistic expectations and to never risk more than you can afford to lose.\nForex trading can be profitable in a number of ways, including:\n- Pips: Pips are the smallest unit of measurement in forex trading, and they represent the change in value between two currencies. By buying a currency pair at a lower price and selling it at a higher price, you can earn a profit in pips.\n- Leverage: Forex brokers often offer leverage, which allows traders to control larger positions with relatively small amounts of capital. This means that even small price movements can result in significant profits (or losses).\n- Interest rate differentials: When trading currency pairs, traders can earn interest on the currency they hold (known as the “carry trade”). If the interest rate on the currency you hold is higher than the interest rate on the currency you are trading it against, you can earn a profit on the interest rate differential.\n- Market analysis: By analyzing market trends and using technical and fundamental analysis, traders can make informed decisions about when to buy and sell currency pairs. This can help them to take advantage of profitable trading opportunities.\nOverall, successful forex trading requires a combination of market knowledge, effective risk management, and sound trading strategies.\nForex Trading Courses\nThere are many forex trading courses available online, and some of them include:\nForex Trading A-Z – With Live Examples by Udemy: This course covers the basics of forex trading, including technical analysis, risk management, and trading psychology. It also includes live trading examples to help students apply what they have learned.\nThe Complete Foundation FOREX Trading Course by Udemy: This course covers the fundamentals of forex trading, including how to read currency charts, how to use technical indicators, and how to develop effective trading strategies.\nForex Trading for Beginners (3-course bundle) by Stock Market College: This comprehensive course bundle includes three courses on forex trading for beginners, covering everything from the basics of forex trading to advanced trading strategies.\nThe Advanced Forex Course for Smart Traders by Forex Mentor: This course is designed for experienced traders who want to take their trading to the next level. It covers advanced trading strategies, risk management techniques, and market analysis.\nForex Trading Strategies by Platinum Trading Academy: This course covers a range of trading strategies, including scalping, swing trading, and position trading. It also includes live trading sessions and personalized coaching.\nThese are just a few examples of the many forex trading courses available online. It’s important to research each course carefully to find the one that best meets your needs and fits your trading style.", "domain": "economics"}
+{"url": "https://www.kesselmanwm.com/services/retirement-planning", "date": "2024-02-28T10:03:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474700.89/warc/CC-MAIN-20240228080245-20240228110245-00696.warc.gz", "language_score": 0.9453233480453491, "token_count": 668, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__197524245", "lang": "en", "text": "Your Journey to a Secure Retirement\nEvery person dreams of a secure and comfortable retirement — a time when they can finally enjoy the fruits of their years of hard work. This dream, however, does not come to fruition without careful planning and strategic financial decisions. That's where we come in.\nOur Comprehensive Retirement Planning Services\nRetirement Income Planning\nOne of the primary concerns for any retiree is ensuring a steady flow of income to support their lifestyle post-retirement. We design a retirement income plan tailored to your specific needs, considering all potential sources of income such as pensions, social security, savings, and investments.\nMaking the right investments is crucial for wealth accumulation and a successful retirement plan. We guide you in building a diversified portfolio that aligns with your financial goals and risk tolerance. We will regularly monitor and adjust your portfolio to respond to market trends and changes in your circumstances.\nUnderstanding tax implications is a vital aspect of retirement planning. We help you reduce the impact of taxes on your retirement savings and income. Our proactive approach combines strategic investment decisions with tax-efficient withdrawal strategies to help maximize your after-tax income. We also make use of Roth IRA conversions to lessen the tax impact of Required Minimum Distributions later in retirement.\nSocial Security and Pension Benefits\nChoosing when and how to claim Social Security and pension benefits can significantly impact your retirement income. We offer guidance in optimizing your benefits based on your unique situation, including advice on timing, spousal benefits, and taxation.\nWe understand that your legacy matters. Our estate planning services are all about making sure your wishes are fulfilled and your loved ones cared for, with as little tax burden as possible.\nWe’ll discuss the people and charitable organizations that matter most to you and make sure that your estate planning documents are aligned with your wishes. We’ll also discuss financial powers of attorney and medical directives to ensure that there is a clear plan in place in the event that you become ill or incapacitated. We will work closely with your attorney (or recommend one) to draft documents or make any needed changes to your existing estate plan.\nHealthcare and Long-Term Care Planning\nHealthcare costs and the potential need for long-term care are often significant concerns for retirees. We help you incorporate these considerations into your retirement plan, exploring options like long-term care insurance, health savings accounts, and Medicare strategies to ensure you're covered.\nWhy Choose Us for Your Retirement Planning Needs\nWe bring years of experience and a deep understanding of retirement planning intricacies. We offer a personal, customized approach, taking the time to understand your individual needs, goals, and concerns. Our commitment to transparency means we keep you informed and involved in every decision, ensuring you're comfortable with every step we take together.\nFurthermore, we continuously monitor and adjust your retirement plan as your needs change and evolve over time. Our ongoing management ensures that you are always on track.\nWe invite you to start your journey towards a secure retirement with us. With our comprehensive retirement planning services, your financial future is in capable hands. Your dream retirement is closer than you think — let us help you make it a reality.\nBook a free consultation today to discuss your retirement planning needs. We're excited to be a part of your financial journey.", "domain": "economics"}
+{"url": "http://chicagofringe.blogspot.com/2013/02/a-good-possibly-best-problem-to-have.html", "date": "2018-07-16T03:05:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676589172.41/warc/CC-MAIN-20180716021858-20180716041858-00098.warc.gz", "language_score": 0.9487913250923157, "token_count": 593, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__6172196", "lang": "en", "text": "As a startup arts organization, the signs of victory are few and far between. That isn't meant to sound negative. Startups and entrepreneurs know what lies ahead. The work is long and front-loaded when you create something from scratch that did not exist before. Nor are there clear markers that you've \"made it.\"\nSo you can imagine my excitement when I got the call last November that Chicago Fringe would be the recipient of a grant from the MacArthur Fund for Arts & Culture at the Richard H. Driehaus Foundation. A milestone! A recognition of the legitimacy of our 4 years of planning and producing! Break out the champagne! (We can't afford champagne).\nIt also created an interesting new twist. Chicago Fringe would have a little extra breathing room in an otherwise shoe-string budget. Not a lot of room, but a little. So here's the rub: what do you do with it?\nIt's an intriguing question to ask. If you asked me to spend a million dollars producing the Chicago Fringe Festival, I could do it. No doubt in my mind. This was a substantial amount of money, but not enough to accomplish everything we want (nor is any grant supposed to be, I reckon.) So where do you put your first substantial dollars? In the bank? Marketing? PR? Staff stipends? New technology? Board building? Improved services at the Fest itself?\nFor my money (yeah, yeah, I know), I think the priority is reinvesting this money into what the nonprofit sector calls \"Development.\" In short: raising money. I am not plugged into the world of nonprofit fundraising enough to know if many nonprofits take this route, but for us it is an important one. With a founding principle to return 100% of ticket sales back to the artists, the Fringe has done a whole heck of a lot with very little cash to produce the Festival for 3 years now. But long term sustainability demands income to continue the noble mission. Volunteers burn out, so staff needs to be hired. You are no longer the new kid on the scene, so marketing dollars must be spent to get noticed. And on and on.\nSo, we are NOT going to bury this money underground like that one guy in the Bible. We are hopefully going to turn it into more money to benefit the growth of our company. It's a slow moving, slightly unsexy, but ultimately worthy cause for Chicago Fringe.\nOh, and one more thing: the flexibility to use our grant money as we see fit should not be underestimated. It's so crucial. If this were, say, a grant directed at a particular program or limited to producing the Fest, we would not be able to put it in the Development pot. So three cheers for general operating grants and grantors like Driehaus and MacArthur for recognizing the importance of that flexibility.\nAll about the Fringe Benjamins,", "domain": "economics"}
+{"url": "https://www.humaneaware.org/help-for-pets.php", "date": "2023-06-08T08:40:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224654606.93/warc/CC-MAIN-20230608071820-20230608101820-00564.warc.gz", "language_score": 0.9624434113502502, "token_count": 223, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__96738672", "lang": "en", "text": "Humane Aware Projects\nHelp for Pets Database\nAs the cost of living crisis deepens, more and more people are facing heartbreaking choices over whether they can afford to continue caring for their pets. For many, companion animals are a huge source of comfort during difficult times and some people are going without food themselves in order to feed their pets. Pet abandonment has increased sharply over the past year and is likely to worsen as the cost of living crisis intensifies. There are, however, a number of charities and organisations out there providing support for people and their pets facing hardship.\nThis database pulls together various sources of help that is available across different regions of the UK, including financial help with spay/neuter surgeries, veterinary care and pet food. Please scroll through the list to find an organisation near you. If you have any trouble accessing the database, please contact us and we will try to connect you with the most relevant organisation that can help.\nPlease help us to keep this Help for Pets database up-to-date by getting in touch if you notice anything missing that should be included on the list.", "domain": "economics"}
+{"url": "http://aclloyd.com/tachbrook-park-is-set-to-get-superfast-broadband-in-november-with-the-help-of-warwicknet/", "date": "2018-08-17T06:05:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-34/segments/1534221211719.12/warc/CC-MAIN-20180817045508-20180817065508-00283.warc.gz", "language_score": 0.9247919917106628, "token_count": 353, "dump": "CC-MAIN-2018-34", "global_id": "webtext-fineweb__CC-MAIN-2018-34__0__69837085", "lang": "en", "text": "One of Warwickshire’s premier business estates, Tachbrook Park, is set to receive a massive Internet speed boost in autumn with the launch of WarwickNet fibre optic services. Warwicknet are taking a phased approach to the business park with phase one bringing FTTC super and ultra fast broadband to well over half of the businesses on-site with the rest due to follow in due course.\nOnce in place, broadband speeds of up to 80Mbit/s will be possible when companies choose to connect to WarwickNet’s newly built cabinets on site. Other standard Leased Line and MPLS product sets will also be available. Speaking about the forthcoming development, WarwickNet Chief Executive Ben King commented;\n“We have had our eye on Tachbrook for quite some time and many businesses have expressed interest in getting WarwickNet on-site. It feels great to finally be in a position to help the businesses there with modern, fast Internet access”.\nBusiness Development Manager Mark Hitchcock, who will be leading the project and engaging with local businesses, added;\n“Tachbrook is jam packed with well-established and highly successful local, national and international business tenants. It seems that they have a great location to work from and the only thing lacking is a reliable, high speed internet connection. I’m looking forward to helping these businesses improve their connectivity and explore the possibilities which comes with that positive change.”\nFor more information about WarwickNet’s services on Tachbrook Park, please contact Mark Hitchcock (Business Development Manager) on 024 7699 7224, via e-mail at firstname.lastname@example.org or you can tweet @MarkWarwickNet", "domain": "economics"}
+{"url": "http://creativelatitude.com/press_releases/news_press_05-27-2005-dt.html", "date": "2016-08-25T02:39:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-36/segments/1471982292734.19/warc/CC-MAIN-20160823195812-00074-ip-10-153-172-175.ec2.internal.warc.gz", "language_score": 0.9276013970375061, "token_count": 244, "dump": "CC-MAIN-2016-36", "global_id": "webtext-fineweb__CC-MAIN-2016-36__0__2549227", "lang": "en", "text": "digital-telepathy, Inc. Earns Business Award\n27 May 2005\nSan Diego, CA - digital-telepathy, Inc. was presented with the “Emerging Business of the Year” award by the San Diego Regional Chamber of Commerce at an awards luncheon last Thursday. The award was given to recognize digital-telepathy’s outstanding contribution and success in growing their clients’ businesses as a means to growing their own. digital-telepathy, Inc., was also the recipient of the Chamber’s “Excellence in Customer Service” award at last year’s ceremony.\ndigital-telepathy, Inc. continues to build momentum as a powerful presence in the web design and marketing industry. They have achieved a steady increase in revenue, growing 100%, 200%, and 300% in the last three years respectively. digital-telepathy’s karmic approach to business has shown great returns. “As we focus our efforts on growing our clients, it’s nice to see how we grow in response,” says Chuck Longanecker, President of digital-telepathy, Inc.\nWebsite: digital-telepathy, Inc.", "domain": "economics"}
+{"url": "https://discs.ie/jordan-module-overview", "date": "2023-10-02T21:31:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511021.4/warc/CC-MAIN-20231002200740-20231002230740-00496.warc.gz", "language_score": 0.9656829833984375, "token_count": 386, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__309200954", "lang": "en", "text": "Microeconomics: Organisations and Institutions.\nThe module selected for the project was an intermediate microeconomics course that is a core module for economics students on the BA programme in UCC. It is also taken by students from across a range of other programmes, including students from China who study on joint degree programmes with UCC’s partner institutions in China. The course, which I have taught previously, is a typical second year microeconomics module that, until now, has focused on orthodox economic models and frameworks.\nI chose this module because of its typicality in economics programmes. It is also a large class, with about 150 students, and this posed particular issues that I wanted to explore with the anonymity of students in a large class setting. I wanted to explore how I could engage with and get to know students’ concerns when the primary mode of delivery was the typical model of lecture in a large theatre.\nEconomics is not a subject typically associated with social justice. Indeed, many would use economics and its dominant liberal discourse as antithesis to the idea of social justice. In my view this misrepresents much of economics, though the mainstream (and most significant policy influences) remains dominated by neo-classical, rationalist approaches.\nI also wanted to bring ethical considerations into a core economics course to present students with alternative approaches and considerations to those which they will encounter repeatedly over their programme. I also wanted to demonstrate that economics can contribute to the important social issues that students care about and will need to address as professionals and citizens.\nThe course had four elements. These were:\n- ethics and economics;\n- social economics (fairness and interdependence);\n- climate and economics; and\n- economic inequalities.\nIf you would like to view the full course outline, please click here.", "domain": "economics"}
+{"url": "http://germainekoh.com/ma/projects_detail.cfm?pg=projects&projectID=12", "date": "2017-04-27T03:14:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121865.67/warc/CC-MAIN-20170423031201-00345-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.8528916835784912, "token_count": 583, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__212539494", "lang": "en", "text": "aluminum-factory waste, metallized polyester, traces of asphalt and dirt, Various sizes\nPressions topographiques is a series of objects produced in the context of the artist-in-residence program of the Centre de réflexion sur l'image et ses contextes (CRIC) at the École cantonale d'art du Valais in Sierre, in the Swiss Alps.\nThe project brings together traces of the local industry and topography, both large- and small-scale, and sits in contrast to idealized images of both realms. Off-cut waste lengths of extruded aluminum from the local aluminum factory are fused with direct casts (in metallized polyester) of individual cracks in the local pavement. The results are singular objects, each with one side resembling a sort of mountain range — complete with traces of organic rubble — and the whole object sliced and milled like a geological sample.\nThe factory, presently operated by Alcan (formerly Alusuisse) and specialized in extruded aluminum products, has historically been the largest employer in a region whose economy is otherwise marked by tourism and artisanal agricultural products such as wine and cheese. The extrusion of aluminum — a process of pressing softened metal through a custom-shaped die — somehow recalls the geographical conditions that originally determined the siting of the factory in the region: that is, the availability of vast amounts of hydroelectric power generated by large dams in the surrounding mountains.\nThis presence of water as a generative force shaping the large-scale regional commerce (industrial, agricultural, touristic) is also revealed in the small-scale, lived topography of the area. In this harsh terrain, subterranean water, repeatedly freezing and thawing, expands to cause inevitable cracks in the road surfaces — micro-scaled equivalents of larger tectonic pressures. These negative fissures cast into positive forms are 1:1 impressions that incompletely record the imperfect, applied geography of the region. The objects — tactile, handmade casts bonded to prefab aluminum bars — recall the pressures that fuse economics, geography, industry, and individual work.\nProduction assistance: Jean-Jacques de Joncour and Fernand Mounir of Alcan Aluminium Sierre S.A.; Isabelle Chappuis and Fulvio Bressan of the Centre de réflexion sur l'image et ses contextes; Pierre-François Moix of the École cantonale d'art du Valais; and students Danielle Kleinman, Milena Buckel and Christelle Besson.\nKamloops Art Gallery,\nGermaine Koh: Weather Systems, 2013.\nGroup Exhibitions: 274 East 1st, 2006.\nCollection(s): Canadian Department of Foreign Affairs and International Trade art collection; Private collection", "domain": "economics"}
+{"url": "http://www.chefspace.org/about-community-ventures", "date": "2017-04-23T09:52:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917118519.29/warc/CC-MAIN-20170423031158-00154-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9384059309959412, "token_count": 205, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__231434600", "lang": "en", "text": "Community Ventures helps people own homes and start businesses because we believe in people’s dreams. From affordable financing to large-scale community projects, our areas of focus offer the opportunity to dramatically improve the quality of life for people across Kentucky.\nCentral to the mission of Community Ventures is to improve the quality of life for Kentuckians through asset building. Community Ventures has launched a holistic approach to community development in the Russell Neighborhood. With $8.5 million currently invested, the revitalization plan includes the facilitation of small business growth, job creation, construction of safe and affordable housing, and providing healthy food alternatives to local residents. We have brought our different lines of business and expertise to bear in one neighborhood to see the dramatic changes that can occur when all facets of community development are considered.\nWith this strategy in mind, the first, critical step in this process of redevelopment is the creation of Chef Space. For more information about Community Ventures’ services and projects, visit the website www.cvky.org.", "domain": "economics"}
+{"url": "https://www.sbrlaw.us/news/hints-of-future-wisconsin-employment-laws/", "date": "2019-05-21T03:08:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232256215.47/warc/CC-MAIN-20190521022141-20190521044141-00427.warc.gz", "language_score": 0.9580702781677246, "token_count": 895, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__204926044", "lang": "en", "text": "On occasion, hints of the potential future of Wisconsin’s employment laws can be seen in legislation that is proposed in Madison. Several such hints appear in a new Wisconsin Senate Bill that was introduced on January 16 by a set of Wisconsin Senate Democrats. The bill, 2015 Senate Bill 5, proposes both changes to Wisconsin’s existing wage claim statute (Chapter 109 of the Wisconsin statutes) and new employer requirements regarding the provision of “disclosure statements” to employees. Following is a summary of the bill’s more significant proposed revisions to Wisconsin’s wage claim statute:\n- The bill, if passed into law, would allow an employee to file a wage claim with the Wisconsin Department of Workforce Development (DWD) or to start a wage claim in Wisconsin circuit court on behalf of, not only himself or herself, but other similarly situated employees who consent in writing to be parties to such a claim. This proposal would effectively memorialize the concept of collective or class action wage claims in Wisconsin’s wage claim statute.\n- Currently, the statute of limitations for Wisconsin wage claims is two years, consistent with the basic two-year federal statute of limitations for wage and hour claims. If it became law, 2015 Senate Bill 5 would increase the statute of limitations for wage claims to four years.\n- The bill would double the statutory penalties that can be awarded by a Wisconsin circuit court against an employer.\nIn addition to these proposals regarding amendments to the Wisconsin wage claim statute, the bill also would create a new requirement for Wisconsin employers to provide employees with “disclosure statements,” an entirely new employer mandate. Key components of this new requirement would include:\n- A requirement that employers provide employees with a written statement disclosing the terms of their employment at hire, on January 1 of each calendar year, and not less than seven days before the effective date of any change in the terms of employment.\n- The disclosure statement would have to be in English and, if the employee has limited English proficiency, in the employee’s native language.\n- The disclosure statement would have to include: (a) the full name, mailing address and telephone number of the employer; (b) the remuneration to be paid to the employee, the frequency of payment of that remuneration, and, if paid as an hourly wage, the hourly basic rate of pay to be paid to the employee; (c) the circumstances under which the employee would be paid at a rate that is higher than the hourly basic rate of pay for working in excess of an established number of hours per day, week or month or for working on designated nights, weekends or holidays; and (d) a description of any other economic benefits that the employer would be providing (for example, health insurance, paid sick leave, vacation pay, holiday pay, pension or other retirement benefits and the like).\n- Failure to provide the mandated disclosure statement or to comply with its terms would subject the employer to: (a) actual damages sustained by the employee as a result of the failure; (b) the greater of liquidated damages of not more than $50 per working day of violation or the increased wages payable under the bill; and (c) reasonable costs and attorneys’ fees.\nThese onerous disclosure-statement requirements would have a significant impact on the paperwork necessary for employers to hire and maintain the employment of employees (and, in doing so, would likely decrease hiring) and would likely cause employers not to change employee wages or benefits as frequently (to the detriment of employees). In addition, the requirements are in large part a trap even for employers who make a good faith attempt to comply with the disclosures that must be made.\nThe bill has been referred to the Senate Committee on Labor and Government Reform. Given the current Republican control of the Wisconsin Senate, it is unlikely to come back out of this committee let alone win votes in the state Senate or Assembly. Given its onerous effects on Wisconsin employers, it is also likely that Governor Walker would veto the bill were it to make it to his desk.\nThough it has an extremely slim chance of passage in the current Wisconsin legislature, this legislation gives Wisconsin employers a hint at the types of proposals that could become law when the current makeup of the Wisconsin legislature and governor’s office change. Wisconsin employers should remain vigilant to and make themselves educated regarding these types of legislative proposals.", "domain": "economics"}
+{"url": "http://www.grantthornton.co.zw/index.php/tax-compliance-and-advisory-services", "date": "2013-05-23T02:18:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368702749808/warc/CC-MAIN-20130516111229-00061-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9582917094230652, "token_count": 205, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__187327391", "lang": "en", "text": "Given the ever-increasing complexities of tax legislation, the importance of assessing the tax implications of any business transaction and the severe penalties imposed for non-compliance, tax is at the core of every business decision and strategy.\nOur specialist team led by a highly qualified and experienced tax director, has the technical know-how to advise individuals and businesses on a comprehensive range of tax services.\nOur comprehensive tax services which are in keeping with the latest pronouncements and developments - locally, regionally and internationally - are noted as follows:\nWe will assist you in complying with the tax legislation in order to avoid paying unnecessary tax penalties and fines.\nOur flexible approach can assist you in minimizing tax liabilities and maximizing tax efficiency, at your convenience, well in advance.\nInternational tax concerns\nWe are also ready to assist you with all your international tax concerns, that is, expatriate tax, transfer pricing and international tax services through our global network. We offer compliance services and customized tax-planning advice in the following areas:", "domain": "economics"}
+{"url": "https://xpro.zendesk.com/hc/en-us/articles/10418774563739-Digital-Supply-Chain-Reinventing-Supply-Chains-for-the-Future", "date": "2023-10-05T02:40:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511717.69/warc/CC-MAIN-20231005012006-20231005042006-00041.warc.gz", "language_score": 0.8891053795814514, "token_count": 473, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__303210431", "lang": "en", "text": "The MIT xPRO course \"Digital Supply Chain: Reinventing Supply Chains for the Future\" is a six-week program designed for professionals in operations, logistics, supply chain, strategy, and consulting roles. The course focuses on transforming supply chains to become more flexible, collaborative, and resilient in the digital age.\nDr. Maria Jesús Saénz, Director of the Digital Supply Chain Transformation Lab at the MIT Center for Transportation and Logistics, presents a proven framework that integrates strategy, technology, operations, and organizations to achieve successful digital supply chain transformation.\nThe course highlights the benefits and urgency of digital supply chain transformation, including cost reduction, revenue increase, and the need for digital skills. It explores the changing landscape of supply chains by 2025 and emphasizes the scarcity of organizations with the necessary digital competence.\nParticipants will gain key takeaways from the program, including the ability to champion the Digital Supply Chain Framework and create a strategic roadmap for transformation. They will learn about end-to-end (E2E) visibility in supply chains, the power of analytics in driving supply chain initiatives, and the potential of AI-centric solutions in supply chain operations. The course also covers the interactions between strategy, technology, processes, and organizations, building resilience and preparedness for future disruptions, reducing costs, and improving overall supply chain efficiency.\nKey topics in the program include resilience in global supply chains, the framework for digital supply chain transformation, E2E supply chain visibility, data analytics, AI applications in supply chains, and emerging trends in supply chain management.\nParticipants will benefit from insights and expertise from renowned MIT faculty and experts. The course incorporates case studies, discussions, and application exercises to enhance learning. By completing the program, participants will earn a certificate from MIT xPRO, recognizing their skills and success in digital supply chain management.\nOverall, the MIT xPRO \"Digital Supply Chain: Reinventing Supply Chains for the Future\" course equips professionals in supply chain and related roles with the knowledge and tools to navigate digital transformations, optimize operations, and gain a competitive advantage in the evolving landscape of supply chain management.\nPlease find more information on the program website: Digital Supply Chain: Reinventing Supply Chains for the Future.\nPlease reach out directly to Emeritus with any questions via email@example.com.", "domain": "economics"}
+{"url": "https://scottlarsen.co.nz/glendene-real-estate-sales/", "date": "2018-08-21T02:27:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-34/segments/1534221217909.77/warc/CC-MAIN-20180821014427-20180821034427-00411.warc.gz", "language_score": 0.9585108160972595, "token_count": 156, "dump": "CC-MAIN-2018-34", "global_id": "webtext-fineweb__CC-MAIN-2018-34__0__137595942", "lang": "en", "text": "Centred between Henderson and Te Atatu South, Glendene boasts easy access to the motorway, Auckland CBD and the North Shore\nGlendene is named after a farm in the area owned by Percy Jones, which was later subdivided for housing. Most development occurred in the 1960's and 1970's, meaning the area tends to have good sized sections. With a number of schools and pre-schools, local reserves and shopping malls, and relatively affordable homes compared with other Auckland suburbs, Glendene is fast becoming a sought after area for buyers, investors and developers.\nPlease get in touch with us for information on the most recent sales\nLocal Auckland Real Estate sales statistics are supplied by REINZ. We have a summary of all Real Estate agency sales.", "domain": "economics"}
+{"url": "http://www.highlanegarage.co.uk/vehicles-for-sale/toyota-yaris-t-spirit.shtml", "date": "2017-12-14T19:00:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948550199.46/warc/CC-MAIN-20171214183234-20171214203234-00796.warc.gz", "language_score": 0.9634625315666199, "token_count": 377, "dump": "CC-MAIN-2017-51", "global_id": "webtext-fineweb__CC-MAIN-2017-51__0__226345472", "lang": "en", "text": "The vast majority of our cars are bought directly from their owners, with clear advantages all round. From our point of view, we meet the person who has driven the vehicle for the last few years (except, of course, in the event of bereavement sales) and we stand a good chance of obtaining the handbook, service book and spare key. If a car is being disposed of due to the wrong reasons, we tend to steer clear, whereas if the owner has been delighted, we can pass this on to the buyer.\nThe process takes rather longer than buying through trade sources and most dealers have neither the time nor the inclination to follow this path.Call us old fashioned, but we think our way of doing things produces huge benefits for our customers and we will continue to source our stock the HLG way, which has stood us in good stead for decades.\nThis Toyota Yaris is a great example of what we are about. We bought 'his and hers' cars when the couple decided to buy one late model for their retirement. This Yaris ticks a lot of boxes; it is a very frugal D4D model (Toyota's clean, green turbo diesel) which has four doors, a nice, low mileage and an annual road tax of just TWENTY POUNDS!!\nA lively yet comfortable performer, the build quality shines through and the service book is up to date with SEVEN stamps, the first four of which are Toyota main dealer, followed by the owner's trusted, local garage near to his home. A real gem of a car, well priced and we expect a lot of interest.It can be sitting in your driveway in a couple of days for just £5,995 and we welcome your present car in part exchange. Call 01663 763355 for more info or to secure this beauty on a deposit.", "domain": "economics"}
+{"url": "https://scotslaw.clt.co.uk/dr-mark-robertson", "date": "2021-03-01T18:36:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178362899.14/warc/CC-MAIN-20210301182445-20210301212445-00027.warc.gz", "language_score": 0.9542276263237, "token_count": 147, "dump": "CC-MAIN-2021-10", "global_id": "webtext-fineweb__CC-MAIN-2021-10__0__139151454", "lang": "en", "text": "Dr Mark Robertson is Managing Partner at Ryden. He is a leading authority on Scotland's property markets. His consultancy portfolio includes property market analysis and forecasts for more than 200 projects, including major expansions such as West Edinburgh, Clyde Gateway and Clyde Waterfront. He has advised most of Scotland's local authorities, Scottish Government, Scottish Enterprise and a wide range of private sector clients. His recent commissions include leading the consultancy work to support the Scottish Land Commission's Vacant and Derelict Task Force.\nMark has edited Ryden's Scottish Property Review for the past 25 years. He is a member of the Investment Property Forum, teaches MSc Property Investment Appraisal at Edinburgh Napier University and is a Fellow of the RICS.", "domain": "economics"}
+{"url": "https://caphd.ca/federal-government-announces-commitment-to-dental-funding/", "date": "2024-03-04T00:56:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476409.38/warc/CC-MAIN-20240304002142-20240304032142-00853.warc.gz", "language_score": 0.9628379940986633, "token_count": 124, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__153107348", "lang": "en", "text": "Federal Government Announces Commitment to Dental Funding\nMar 22, 2022\nThe Liberal Party of Canada and Canada’s New Democratic Party have agreed to prioritize the launch of a new dental care program for low-income Canadians. This program would start with under 12-year-olds in 2022, then expand to under 18-year-olds, seniors and persons living with a disability in 2023, then full implementation by 2025. The program would be restricted to families with an income of less than $90,000 annually, with no co-pays for anyone under $70,000 annually in income.", "domain": "economics"}
+{"url": "https://fishermansdaughtersalmon.com/pages/bristol-bay", "date": "2024-02-25T17:55:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474641.34/warc/CC-MAIN-20240225171204-20240225201204-00125.warc.gz", "language_score": 0.8978685140609741, "token_count": 286, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__185010794", "lang": "en", "text": "Bristol Bay, Alaska\nBristol Bay is home to the largest run of wild sockeye salmon on the planet. Bristol Bay is also one of the most sustainable and valuable commercial fisheries in the world, consisting of 6 managed river districts that include the Naknek, Kvichak, Egegik, Ugashik, Nushagak and Togiak rivers.\nRoughly half or the world's sockeye salmon comes from Bristol Bay. This equates to an annual harvest of at least 60% of the world’s wild sockeye salmon with an average annual return of 50 million individual wild sockeye, every June through the end of July.\nThe Bristol Bay Sockeye Salmon Fishery supports 8,000+ small boat fishermen, 1,800 small fishing businesses and generations of fishing families. Annually, the Bristol Bay Sockeye Salmon Fishery generates $2.2 billion each year and there are 15,000 fishing jobs that produce $90 million in state tax revenue and licensing fees.\nBristol Bay consists of 20 million acres of wetland, snow-fed lakes and streams that provide an essential environment for millions of spawning salmon. It’s breath-taking beauty and prolific landscapes also support the world’s highest concentration of brown bears which depend upon the abundant salmon runs to survive.\nBristol Bay, Alaska truly is a magical place.", "domain": "economics"}
+{"url": "https://acsindustries.com/category/uncategorized/", "date": "2019-09-16T12:30:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514572556.54/warc/CC-MAIN-20190916120037-20190916142037-00015.warc.gz", "language_score": 0.8951142430305481, "token_count": 227, "dump": "CC-MAIN-2019-39", "global_id": "webtext-fineweb__CC-MAIN-2019-39__0__162682309", "lang": "en", "text": "ACS Industries, Inc, a manufacturer of cleaning products for the Food Service and Janitorial Supply markets has entered into an agreement to purchase the assets and operating business of Treleoni, LLC of Manning, South Carolina.\nACS Industries, Inc., a manufacturer of cleaning products for the foodservice and janatorial supply markets, has completed a definitive agreement to purchase all intangible assets and intellectual property of ETC of Henderson, Inc., including but not limited to customer lists, patents, trademarks, brands, product formulas and all related proprietary data. ETC is a leading manufacturer of non-woven floor pads, hand pads and mopping products.\nACS Industries, Inc.\nOne New England Way\nLincoln, RI 02865\nPhone: +1 866 783 4838\n6017 South Loop East\nHouston, TX 77033\nPhone: +1 800 227 1939, Ext. 6642\nM-F: 8:00am – 6:00pm EST\nSat: 8:00am – 1:00pm EST\nCopyright 2019 ACS Industries, Inc. All rights reserved.", "domain": "economics"}
+{"url": "https://www.smartbusinessreports.com/pdp.aspx?pg=business-offers&offercode=pubrecretire&link=5002", "date": "2024-04-18T13:51:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817206.54/warc/CC-MAIN-20240418124808-20240418154808-00708.warc.gz", "language_score": 0.9345694184303284, "token_count": 111, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__13300795", "lang": "en", "text": "A Penelope 401(k)s retirement plan is designed specifically for small business owners. With subscription-based pricing, it costs just $125/mo + $8 per employee--there are no other fees. And right now, Experian Small Business members can enjoy three months of no admin fees. Owners get automated onboarding and hands-free admin, plus the plan is easy to manage with 150+ payroll integrations. We take care of everything from compliance to annual reporting to the IRS so you can focus on what matters: running your organization.", "domain": "economics"}
+{"url": "https://synergy-chainlink.github.io/rusd", "date": "2023-06-04T01:13:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224649348.41/warc/CC-MAIN-20230603233121-20230604023121-00347.warc.gz", "language_score": 0.9036915898323059, "token_count": 125, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__180804658", "lang": "en", "text": "Stake RAW tokens to insure your collateral from debt pool losses. The longer the lock time, the greater the percentage of your insurance can be reimbursed (min 30 days, max 730 days).\nWARNING: Insurance can be returned only after the expiration of the lock.\nDeposit WETH as a collateral and get rUSD in return. Resulting collateral ratio should be greater than min collateral ratio\nBurn rUSD to increase your collateral ratio and get ability to withdraw collateral in WETH. You can choose insurance to repay your debt pool losses in RAW.\nWithdraw WETH collateral (this decreases collateral ratio).", "domain": "economics"}
+{"url": "http://videobloggers.info/2017/04/25/trudeau-vows-to-defend-canada-interests-as-u-s-targets-lumber/", "date": "2017-05-26T13:08:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-22/segments/1495463608665.33/warc/CC-MAIN-20170526124958-20170526144958-00289.warc.gz", "language_score": 0.9083823561668396, "token_count": 132, "dump": "CC-MAIN-2017-22", "global_id": "webtext-fineweb__CC-MAIN-2017-22__0__73318866", "lang": "en", "text": "Trudeau vows to defend Canada interests as U.S. targets lumber\nPrime Minister Justin Trudeau vowed to stand up for Canadian interests on Tuesday after the United States imposed new tariffs on softwood lumber and trade tensions between the two countries escalated, sending the Canadian dollar to a 14-month low.\nReuters tells the world’s stories like no one else. As the largest international multimedia news provider, Reuters provides coverage around the globe and across topics including business, financial, national, and international news. For over 160 years, Reuters has maintained its reputation for speed, accuracy, and impact while providing exclusives, incisive commentary and forward-looking analysis.", "domain": "economics"}
+{"url": "http://www.wealthservicesalliance.com/", "date": "2018-02-24T13:26:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891815812.83/warc/CC-MAIN-20180224132508-20180224152508-00274.warc.gz", "language_score": 0.9407222270965576, "token_count": 541, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__248022478", "lang": "en", "text": "Wealth Services Alliance was created more than a decade ago to offer comprehensive financial and wealth management services to clients through an alliance of professionals – all working together in concert under a single organization. It was formed based on the understanding that most individuals juggle their financial lives managing a range of independent professionals, including a CPA for taxes, an investment advisor for portfolios, a financial planner for estate planning purposes, and an agent for risk management solutions. Under this segregated structure, each advisor may work independently, without interaction and without communication with a client’s other trusted advisors. This is often inefficient and time consuming, requiring the individual client to unify and implement the advice from various professionals and specialists.\nWealth Services Alliance presents a new paradigm to financial advice focused on putting the client in the center. On behalf of our clients, Wealth Services Alliance integrates accounting, portfolio management, planning, and risk management into a comprehensive, customized solution for each individual and business client. That means your portfolio manager talks to your CPA about potential tax consequences related to trades in your portfolio. That means your estate planning goals and your financial planning strategies are aligned. And, that means that every effort to help manage and protect your financial future is cohesive and coordinated. With Wealth Services Alliance, you have a team of experts specializing in all fields of wealth management, working in unison on your behalf for optimal financial outcomes. All of us sit on the same side of the table: yours.\nThe members of Wealth Services Alliance include three independent and experienced companies, each specializing in different areas of personal and business finance – working together on your behalf to provide holistic solutions and advice.\nProbity Advisors, Inc.® – a comprehensive financial management firm employing the latest technology, research, and insight to deliver individualized, professionally managed portfolios, as well as corporate retirement planning services. The associates at Probity Advisors, Inc. include estate and financial planning advisors, as well as highly credentialed and experienced portfolio managers and analysts.\nMcKinnon Patten – McKinnon Patten, Certified Public Accountants, is a full-service accounting and business valuation resource with nearly four decades of successful client service.\nOzanne Financial Services – a holistic financial planning firm offering retirement planning, estate planning, and risk management through life, disability and long-term care insurance, education planning, business continuation and exit strategy, as well as corporate retirement plan design and education.\nEvery member of Wealth Services Alliance is committed to the highest standards of professional service. We don’t just share office space: we share a commitment to helping clients achieve financial security through the integration of planning, portfolio management, risk management, and tax planning.", "domain": "economics"}
+{"url": "https://www.airmateplasticfabrication.com/company-history/", "date": "2017-11-21T13:42:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-47/segments/1510934806388.64/warc/CC-MAIN-20171121132158-20171121152158-00655.warc.gz", "language_score": 0.9741967916488647, "token_count": 477, "dump": "CC-MAIN-2017-47", "global_id": "webtext-fineweb__CC-MAIN-2017-47__0__173023607", "lang": "en", "text": "Past, Present and Future\nAirmate Company was founded in 1946 by Richard Schreder in Toledo Ohio. The war effort during WWII produced vast improvements in plastics technology. Acrylics, which were warp resistant and retained their optical clarity were made available to the civilian market. Mr. Schreder set out to design a line of aircraft and along the way, found himself in the drafting instrument business utilizing the latest plastics technology to craft triangles, curves and t-squares in his garage. He called the budding business Airmate Company to complement his aircraft business. All items were private labeled and sold to companies such as Alvin & Company, Dietzgen, Lutz and MacPherson Fullerton.\nIn 1962 Richard and Angelike Schreder purchased land in Bryan, Ohio that included a grass airstrip. Airmate was moved to this location and Richard began a glider kit business, flew air charters and became a Piper Aircraft Dealer. While Richard ran his aircraft related concerns, Angie took over the presidency of Airmate Company. Her business background, strong accounting skills and organizational strengths served her well in this capacity.\nIn 1985 Carol (Schreder) Czech, the eldest daughter, joined her parents in the business. The company purchased The Fisher and Crome Template Company in Philadelphia, Pa. Several improvements were made in the methods Fisher and Crome had begun in the machining and printing of templates and expanded the product mix. The company marketed its template line not only to drafting distributors but to the Advertising Specialty Market, joining ASI (the Advertising Specialty Institute) and PPAI (the Promotional Products Association International). The business grew steadily in these markets and the building was expanded twice to accommodate additional manufacturing equipment.\nIn 2000 the decision was made to expand into new markets utilizing knowledge gained in machining and printing capabilities. New types of plastics in a variety of thicknesses and compositions were used to make products to customer specification in industries such as construction, food processing, automotive dunnage and quilting and crafting.\nToday Airmate continues to expand into new markets and add new equipment to best serve its growing and diverse customer base. Employee tenure and skill set, along with strong vendor partnerships have built a culture that sets us apart from our competition. Contact us today to learn how we can serve you.", "domain": "economics"}
+{"url": "https://assistancedogsinternational.org/main/donate/", "date": "2020-11-25T07:44:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141181482.18/warc/CC-MAIN-20201125071137-20201125101137-00388.warc.gz", "language_score": 0.8970975279808044, "token_count": 142, "dump": "CC-MAIN-2020-50", "global_id": "webtext-fineweb__CC-MAIN-2020-50__0__86929289", "lang": "en", "text": "Assistance Dogs International (ADI) appreciates your support of our mission. All donations are tax deductible to the extent of the law. ADI is a 501 (c) 3 nonprofit organization with the US Internal Revenue Service. All donations are acknowledged with a tax deduction letter.\nOur EIN number is 93-0993471.\nThank you for your support!\nClick on the \"donate\" button below to make a secure donation to Assistance Dogs International (ADI) through PayPal.\nAmazon donates 0.5% of the price of your eligible AmazonSmile purchases to the charitable organization of your choice. Use the button below to designate ADI as your organization of choice.", "domain": "economics"}
+{"url": "https://www.pmh-inc.ca/portfolio", "date": "2024-04-13T12:12:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816734.69/warc/CC-MAIN-20240413114018-20240413144018-00696.warc.gz", "language_score": 0.9415575265884399, "token_count": 340, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__30583562", "lang": "en", "text": "Mercanti Specialty Foods Inc.\nMercanti Specialty Foods Inc. will be located on the Hamilton Mountain at 1800 Upper James Street in Hamilton, Ontario, Canada.\nBuilding concept design by Romanov Romanov ARCHITECTS INCORPORATED\nCapitalizing on the current success of the existing lasagna manufacturing on a smaller scale at Mama Yolanda’s Gourmet Lasagna and the current 60 Harlowe Road operation; Peter Mercanti Holdings Inc. will be opening a larger manufacturing facility to gain economies of scale and increase production.\nMercanti Specialty Foods Inc. will continue to create a superior product that will be unmatched in taste and quality currently found in the wholesale lasagna market. The unique manner in which this product is constructed along with the type of ingredients used in its recipes will be the factors that will make this a “super premium” product. By becoming CFIA (Canadian Food Inspection Agency) compliant, we will be able to set-up distribution to the wholesale market and export the product across North America. Our frozen lasagna products have performed tremendously well in the Southern Ontario marketplace, gaining more interest in areas we are currently unable to service due to location and government regulations. With a larger, CFIA regulated facility, Mama Yolanda’s Gourmet Lasagna will be made available in new markets interested in carrying our products. The products that will be offered through wholesale will consist of the traditional Italian meat lasagna, several internationally inspired options featuring ingredients commonly used in the specific country that lasagna represents, as well as vegetarian and gluten free options.\nThis project is well underway and is scheduled to open its doors in 2021.", "domain": "economics"}
+{"url": "https://tickets.fusion-festival.de/", "date": "2023-03-21T23:20:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943747.51/warc/CC-MAIN-20230321225117-20230322015117-00714.warc.gz", "language_score": 0.9079644680023193, "token_count": 154, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__32044108", "lang": "en", "text": "★ Fusion 2023 ★\nThe presale for Fusion 2023 is over. The 5 days Festival tickets are sold out.\nTicketholders who cannot or do not want to go to Fusion anymore can resell their ticket in our Ticket:Bourse between May 5 and June 30. The purchase of a Festival ticket in the Kulturkosmos Ticket:Bourse is subject to supply and demand.\nA Festival ticket costs 220€ including taxes and 10€ trash deposit.\nFor the first time, Fusion Sunday tickets are available here in presale.\nAny questions? Most answers can be found in our FAQs.\nOr write to us at: email@example.com", "domain": "economics"}
+{"url": "https://more.timesnews.net/Community/2018/08/10/How-much-and-for-what-Sullivan-County-Animal-Shelter-finances-detailed.html", "date": "2020-08-13T05:39:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439738960.69/warc/CC-MAIN-20200813043927-20200813073927-00587.warc.gz", "language_score": 0.963344156742096, "token_count": 1085, "dump": "CC-MAIN-2020-34", "global_id": "webtext-fineweb__CC-MAIN-2020-34__0__57640617", "lang": "en", "text": "The Times News asked for the public documents on Thursday and received them within a couple of hours.\nWhen the budget year began on July 1, 2017, the partnership with the Kingsport-based nonprofit was still in place and called for county funding of $364,517 per year. So that’s the amount originally budgeted in the county’s 2017-2018 budget. Funding to Petworks, then called SBK, was in quarterly payments (every three months) — at a total of $91,129 per quarter (and included payroll and benefits for two animal control officers, listed as “drivers,” within the county’s payroll).\nIn late 2017, the Sullivan County Commission voted to dissolve its partnership with SBK as of Jan. 1 and begin operating the Blountville animal shelter facility on its own. That is what is now the Sullivan County Animal Shelter. The county budget account titled “Rabies & Animal Control” continues to be the control account for funding the shelter. As of Jan. 1, half of the $364,517 (or $182,258) already had been directed to SBK/Petworks to cover the July 1, 2017, through Dec. 31, 2017, period.\nIn county budget documents, employee payroll is listed under the account code “100.” The state comptroller’s office, which issues the rules for county budgeting, designates as “1__” accounts for “personal services” — not the “personnel” many would expect. Anyone familiar with county budgets knows it’s a state, not local, thing and it has been that way for many years.\nThe documents obtained by the Times News show:\n• Between Jan. 1 and June 30 of this year, the county spent nearly $241,000 on the shelter.\n• Revenue generated by the shelter totaled $47,353 ($29,497 in fees paid by shelter patrons; $750 paid by people reclaiming their dogs that had been picked up as strays; $10,602 in payments from the city of Bristol for animals it sent to the facility; and $6,504 in monetary donations).\n• Expenditures on shelter operations during the six-month period included:$100,570 in wages; $32,211 in benefits; $40,419 for services (see detail below); $44,596 for supplies (see details below); and $22,275 for a new truck (SBK kept the newest trucks).\n• The wages and benefits paid a staff of 11: two drivers; three office workers (including one no longer there); and six part-time employees. In addition to these actual employees of the shelter, multiple members of county government have been given and taken on responsibilities and extra workload related to operation of the shelter. These include Accounts and Budgets Director Larry Bailey, Information and Technology Director Bobby Runyon, Purchasing Director Kris Davis and others. None of these people have been paid anything above their normal pay and none have been paid anything out of the “Rabies and Animal Control Account.”\n• The “services” that totaled $40,419 included: phones (nearly $4,000); building maintenance and repairs ($14,043); equipment maintenance and repairs ($1,749); pest control ($640); disposal fees ($1,201 — for disposition of euthanized animals); veterinary services ($16,496); and various other costs.\n• The $44,597 for supplies included: custodial supplies ($8,040); drugs and medical supplies ($8,791); gasoline ($3,102); electricity ($3,478); building materials ($1,793); natural gas ($2,318); office supplies ($2,918); water bill ($1,427); auto parts ($5,262) and other items.\n• There is a record of monetary donations, by date and amount. Bailey pointed out the $6,504 is for donations of money and does not include the value of items and time donated by the many volunteers who work at the shelter. He said the county is thankful for and grateful to those who volunteer their time and drop off items and food — without which the county’s cost would be much greater.\n• Between Jan. 1 and Aug. 8, the shelter had an intake of 1,103 cats and 526 dogs. 321 cats and 329 dogs were adopted, 99 cats and 106 dogs were transferred to other organizations, and six cats and 80 dogs were claimed by their owners. On Aug. 8, the shelter’s headcount included 246 cats and 62 dogs.\nThe Sullivan County Commission’s Budget Committee met Thursday night to discuss creation of a budget for the fiscal year that began July 1. When the animal shelter came up, Bailey said when the budget draft is presented to the full county commission it will project increasing the “Rabies and Animal Control” account by $200,000 to total $564,572 — with $100,000 of the increase estimated to come from shelter-generated revenue (based on the $47,353 that came in January through June) and the other $100,000 coming from the county’s general fund.", "domain": "economics"}
+{"url": "http://www.digbethbusinessforum.co.uk/faqs/", "date": "2021-10-22T08:43:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585504.90/warc/CC-MAIN-20211022084005-20211022114005-00365.warc.gz", "language_score": 0.951589822769165, "token_count": 515, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__160097594", "lang": "en", "text": "A BID is managed and operated by a BID Company – a non-profit company run by and for its members. Most BIDs are governed by a board made up of BID levy payers representing the BID area. Any levy-paying business owner can nominate themselves to become a Director of the BID Company, or can sit on a Committee that oversees certain BID projects. Some BID’s choose to employ a Town Centre Manager to act as a representative of the area and to oversee the BID Plan. The BID Company can also choose to appoint contractors to undertake certain duties, such as a caretaker, security guard, or a PR & Marketing agency.\nThere is no limit on what projects or services can be provided through a Business Improvement District. The only requirement is that it should be something that is in addition to services provided by local authorities. Improvements may include, but are not limited to: extra safety/security, cleansing, events and marketing, environmental measures, and B2B networking.\nUsually Business Improvement Districts charge a levy rate of between 1% and 4% of rateable value. The money raised may be used to leverage other funding and investment, such as grants and matched funding.\nIn a nutshell… Businesses, usually with the help of consultants or local authority officers, identify the area and the issues. A BID Proposal is drawn up that includes delivery guarantees, performance indicators and management structure. The proposed programme of services is additional to those provided by the local authority and can not be used to replace existing public sector services. Non-domestic ratepayers (who will be paying the BID levy), vote on the BID Proposal in a postal ballot conducted by the local authority. Following a successful ballot the levy becomes mandatory on all defined ratepayers. Any necessary enforcement of payment is undertaken in the same way as it is for business rates.\nWe have put together a provisionary BID boundary map to get things started. You can view that here.\nWhy do BIDs work?\nBIDs work hard to create a real buzz and a positive image for their district. They strategise new ways to generate more visitors which will, in turn, support the area’s economy.\nWhat can a BID bring to the area?\nProjects can include anything from transport to safety & security to cleaning. These projects help increase footfall into a town – transport makes the area more accessible, and a safe and clean environment is one that people want to return to.", "domain": "economics"}
+{"url": "https://tomdewolf.com/2010/03/20/crude-world-the-violent-twilight-of-oil-book-review/", "date": "2023-12-07T20:19:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100686.78/warc/CC-MAIN-20231207185656-20231207215656-00570.warc.gz", "language_score": 0.9615741968154907, "token_count": 731, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__272619043", "lang": "en", "text": "It reads like a Stephen King novel–fast-paced, thrilling, and frightening. The problem is that this isn’t a novel about a rabid dog. It’s the true story of our world-wide addiction to oil, what it has done and continues to do that makes the world less safe, less moral, less sustainable.\nThis is one of the most important books I’ve read in a long time. Peter Maass, an author and journalist who has written for the Wall Street Journal, New York Times, and Washington Post, among others, details the tremendous damage that the extraction of oil has wrought in countries that possess it.\nEvil is not people with mustaches who look like they’re doing bad things. Evil is done by people in suits sitting in boardrooms making horrible decisions. They do it because it’s worth it.\nAfter reading this book you’ll no doubt have strong feelings about the greed of oil companies, corrupt dictatorships, and several powerful governments. What I’ve found most troubling is that I also have to come to terms with my own greed and willing blindness to the impact my addiction to oil has on people and communities throughout the world.\nNow the world’s eighth-largest exporter of oil, Nigeria earned more than $400 billion from oil in recent decades, yet nine out of ten citizens live on less than $2 a day and one out of five children dies before his fifth birthday.\nLike the system of enslavement 200 years ago, oil today touches every aspect of our worldwide economy. I couldn’t help but notice as I read Crude World that the vast majority of people who suffer from the damage caused by the oil industry are people of color.\nThough oil provides fuel for our cars and warmth for our homes, it undermines most countries that possess it and, along with natural gas and coal, poisons the environment.\nThis is yet another “inconvenient truth” of our modern lives. 200 years ago, white people in the North could oppose slavery in the South while wearing cotton clothing, smoking tobacco, and adding sugar to their coffee. They were silently and indirectly complicit in the preservation and continuation of the system. There are parallels to the oil industry today. Like many northerners in the 19th century, we receive all the benefits of the system without having to listen to the screams of the victims.\nWhen we wake up tomorrow, we will still be dependent on petroleum and complicit in the forms of violence–physical, environmental and cultural–that are the consequences of its extraction.\nWe will run out of oil within the next few decades. Every legitimate study concludes that oil extraction has peaked. If our addiction to oil does not decrease dramatically, then as extraction slows–which it already has in many places around the world–prices will rise and governments will fail. If you think gasoline is expensive now, just wait 5 or 10 years. We need serious conservation efforts, fuel efficiency, and renewable energy.\nThe United States is by far the worst offender. It is the world’s largest consumer of energy and the second-largest emitter of greenhouse gases.\nWe are most complicit in the activities that will prove the undoing of the lifestyle we’ve (some of us, anyway) have grown accustomed to.\nWe owe it to ourselves and to our grandchildren to read Crude World, understand the implications for our lives and the lives of our fellow humans in other countries, and make some challenging, moral, and sustainable changes in how we live.", "domain": "economics"}
+{"url": "http://www.truemax.cn/", "date": "2017-04-24T15:13:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917119637.34/warc/CC-MAIN-20170423031159-00255-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9483622312545776, "token_count": 334, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__19535847", "lang": "en", "text": "TRUEMAX was established in 2003 for purpose of manufacturing concrete & construction machineries in Hangzhou, China. Within several years of sustainable development, we became an integrated company with all significant divisions and strategic business units including research and development, production, operation and logistics as well as international business development. Furthermore, we have established several alliances with global famous general contractors in order to supply machineries for huge construction projects across the globe.\nTRUEMAX has its own professional R&D team that cooperates with top ranking technology providers from Germany, Italy and other high-tech countries.\nSince different markets need special adjustments and modification in products, it is our completive advantage to design and produce customized machineries according to the specified demands of our customers all around the world.\nIn order to provide better training and after sales services to our honorable customers, we have established more than 30 regional offices in China and other countries. TRUEMAX machinery and equipment are exported to more than 120 countries, with the reliable quality, competitive price, professional and fast services.\nTRUEMAX has achieved several honors including, but not excluded to \"Hangzhou Famous Export Brand\", \"Zhejiang Famous Export Brand\", \"Hangzhou High-tech Enterprise\", etc.\nIn TRUEMAX, everyone is committed to this motto: “Quality Always Comes First!”.\nWith cordial faith on development of intellectual properties and human resources, we focus on continues learning and growth .TUREMAX is rapidly moving toward excellence and integrity management. We sincerely invite and welcome people from all around the world to invest and create more values together.", "domain": "economics"}
+{"url": "https://alpcrosscomponents.com/en/returns-and-shipping-policy/", "date": "2024-04-20T10:54:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817576.41/warc/CC-MAIN-20240420091126-20240420121126-00741.warc.gz", "language_score": 0.9569441676139832, "token_count": 537, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__192073637", "lang": "en", "text": "Returns of orders should be sent to the industrial address of CJMSport-Alpcross S.L.U., located in PI La Isla, Río Viejo, 81, 41703, Dos Hermanas, Seville, Spain. Alpcross Components’ return policy allows you to return products in case you are not satisfied with your purchase up to 14 days from the date of receipt of the product.\nProducts must be returned in the same condition in which you received them: unused, complete and in their original packaging.\nYou can request the exchange of the product for another or request a refund, in both cases The customer will be responsible for the costs of the return shipping.\nTo request the return of the product you must contact us through of orders @alpcrosscomponents and we will tell you how to proceed.\nAlpcross Components undertakes to refund the full amount or exchange product, also in the following cases:\n• Warranties: Alpcross Components products have a two-year warranty from the date of receipt. Once this time has elapsed, we won’t accept product returns. Alpcross Components is committed to refunding the cost of return shipping if the product is found to be defective and replace it with a new one.\n• Product damaged during shipping: If you receive a product damaged during the shipment, you must inform us as soon as possible to manage the return of the product. Alpcross Components is committed to replacing and send the product without any cost.\n• Wrong product: If you receive a product that is not the one you bought, from Alpcross Components we are committed to picking up the product wrong without any cost and to send you the correct product to the highest brevity. To report the error and request the collection and delivery of the product correct you have a period of 15 days.\nThe amounts paid for those products that are returned due to any tare or defect, when it really exists, will be fully reimbursed to the User. The refund will be made in the same means of payment that was used to pay the purchase. The rights recognized by current legislation remain safe.\nAlpcross Components is obliged to deliver the products purchased by the User, at the buyer’s address indicated for this purpose in the order form. In any case, it will be understood that the consumer-user has known the right of withdrawal from the entry into the Portal, which requires the reading and acceptance of these General Conditions, and at any time from when the order is placed.\nAlpcross Components is fitted with a unified delivery policy:", "domain": "economics"}
+{"url": "https://radheyimpex.com/about.html", "date": "2023-03-27T07:55:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296948609.41/warc/CC-MAIN-20230327060940-20230327090940-00704.warc.gz", "language_score": 0.9339213967323303, "token_count": 470, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__17178840", "lang": "en", "text": "Radhey Impex Private Limited was incorporated on July 27, 2004 in Ahmedabad, Gujarat, India. The company was formed with the initial intention of being in the trade of import and export of merchant items. Along with trading in commodities, the company has been active in the Realty Industry in India since its inception in 2004. In pursuance with the company’s philosophy of growth, we are putting up a state-of-the-art, 7 MT per 8 hour shift Welding Electrode manufacturing facility. Commercial production commenced in October 2020.\nExtending the human values of the promoters, the company would be the best in what it does without compromising any of the core values of ethics, honesty, integrity, quality and loyalty towards its customers, vendors, shareholders, employees and all the stakeholders involved with the company at any point of time.\nTo be amongst the top in the sphere of activity that the company is involved in by hiring the best of personnel, employing optimum resources and by being environmentally sensitive. Top-of-the-class customer service and utmost customer satisfaction would serve as the guiding lights of the company at all times.\nThe company owns 81,000 square feet Industrial land in Changodar - a prime Industrial area just 15 Km away from high street Ahmedabad. The welding electrode manufacturing facility (Stick electrode and TIG wire) is coming up on this land. Machines have been sourced from respective leaders – Wire Drawing machine from Assomac Machines Ltd., Ghaziabad and Electrode Plant from Omega Weldrod Systems, Coimbatore. Initially we plan on manufacturing MS, SS and CI electrodes along with TIG wire and subsequently add MIG wire in the second phase within a year.\nWe are an ISO 9001:2015 company and we eagerly intend to get approvals of our products from various departments like Bureau of Indian Standards, Bureau Veritas, IBR, Lloyds Register, RDSO (Research Design Standards Organization - Indian Railways), IRS, BHEL, NSCIL, PGCIL, etc.\nB.A., LL. B. - Chairman\nB.Tech. (Construction Technology and Management) M.S. (Industrial Engg.) – Managing Director\nB.E. (Chemical) – C.E.O.", "domain": "economics"}
+{"url": "https://factcards.getsmarteraboutmoney.ca/cards/Annuities-101/", "date": "2023-01-29T09:52:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499710.49/warc/CC-MAIN-20230129080341-20230129110341-00363.warc.gz", "language_score": 0.9379879236221313, "token_count": 293, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__190436180", "lang": "en", "text": "An annuity is a contract with a life insurance company. You deposit a lump sum of money, and they agree to pay you a guaranteed income for a set period of time — or for the rest of your life. Annuities are most commonly used to generate retirement income.\nYour annuity income is calculated when you buy the annuity. It is affected by a number of factors — the most important are interest rates and how long you’re expected to live.\nA term certain annuity gives you a guaranteed regular income for a set number of years (the term). Term-certain annuities bought with money from an RRSP or RRIF must extend to age 90. If you die before the end of the term, your payments will continue to go to your estate.\nA life annuity gives you a guaranteed regular income for life. Payments usually stop when you die, and no money will go to your estate. You may choose to add an option that allows your spouse, beneficiary or estate to continue to receive your payments after your death.\nOnce you buy an annuity, your regular payments are locked in. You can’t change them for any reason. It’s worth shopping around to compare annuity rates.\nLearn more about annuities at GetSmarterAboutMoney.ca", "domain": "economics"}
+{"url": "https://podcasts.currentsv.church/give/", "date": "2024-02-28T06:52:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474697.2/warc/CC-MAIN-20240228044414-20240228074414-00075.warc.gz", "language_score": 0.9146825075149536, "token_count": 230, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__129976266", "lang": "en", "text": "Not just because of the need we see, but because we believe what we have is from God and for His purposes. Your tithes & offerings are a strategic investment in true riches (Luke 16:9), what moth and rust can not destroy.\nCurrent Silicon Valley is recognized by the IRS as a 501(c)(3) exempt organization and all gifts are tax deductible. We commit to our givers faithful stewardship, clear accounting, and both internal and external accountability structures.\nYou can set up a one-time or recurring online gift with ACH bank transfer, credit card, or debit card below. Credit and debit card transactions incur 2-3% transaction fees which can add up quickly for Current SV. Thus, ACH bank transfer is Current SV’s preferred method of online giving, as it allows more of your donation to be used for ministry.\nPlease make checks out to “Current SV”—you can bring them to our Sunday gatherings or send to:\nCurrent SV, PO Box 70518\nSunnyvale, CA 94086\nFor instructions on giving by stock, please click HERE", "domain": "economics"}
+{"url": "https://foodworkspei.ca/what-is-foodworks/", "date": "2024-03-04T21:58:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476532.70/warc/CC-MAIN-20240304200958-20240304230958-00576.warc.gz", "language_score": 0.9371943473815918, "token_count": 195, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__91529009", "lang": "en", "text": "Processing space for food entrepreneurs and so much more.\nFood Works is a 28,000 sq. ft. space for food entrepreneurs, a new and important component of the Island’s food economy. Food Works is a 28,000 sq. ft. processing space for food entrepreneurs, making it one of the largest food scale-up facilities in the country. Food Works offers companies dedicated space to produce, store, and distribute their products to customers across the country and internationally.\nFood Works has spaces ranging from 1,000 – 9,000 square feet. Each unit consists of dedicated food grade approved processing space with flexible utility hook-ups for equipment, storage, and loading docks. Additional features vary depending on the unit. You can also access common areas.\nIn addition to the production space, Food Works provides mentoring, advice, access to industry experts, and a community of like-minded food entrepreneurs—all of which will help you grow and thrive.", "domain": "economics"}
+{"url": "https://maryscottnabers.com/2017/03/09/trump-talks-infrastructure-plan-delayed-major-issues/", "date": "2017-11-25T01:34:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-47/segments/1510934809229.69/warc/CC-MAIN-20171125013040-20171125033040-00655.warc.gz", "language_score": 0.9561571478843689, "token_count": 537, "dump": "CC-MAIN-2017-47", "global_id": "webtext-fineweb__CC-MAIN-2017-47__0__55681627", "lang": "en", "text": "Congestion in Congress created by major legislative issues has President Donald Trump’s proposed $1 trillion infrastructure plan stuck in traffic. Much to the dismay of state and local officials, few details of the plan have been released, other than that the President has promised an infusion of $1 trillion in both public and private funds to help repair and replace aging infrastructure needs nationwide.\nHowever, Trump this week held a private meeting with his infrastructure team, at which time he emphasized the importance of directing funding to states with “shovel-ready” jobs, according to an article in The Wall Street Journal. The newspaper quoted Trump as saying money would be allocated to states that “can prove that they can be ready, willing and able” to begin projects quickly, and suggested a startup time of 90 days from the time an allocation is approved.\nThe Journal, the only media outlet invited to the meeting, also reported that a White House aide said movement on the Trump infrastructure plan is not likely to occur until after Congress has completed its work on two other major issues – health care and reforming the federal tax code.\nTrump’s infrastructure plan, according to the Journal, “would pressure states to streamline local permitting, favor renovation of existing roads and highways over new construction and prioritize projects that can quickly begin construction.”\nWhile public-private partnerships have been on the table from the outset as a means of funding infrastructure projects through Trump’s plan, a Trump aide also confirmed to the Journal that $200 billion in expected repatriated cash is also a possible funding source. Trump initially announced that he would support tax credits to encourage private investment in projects. At the meeting this week, conversation also continued regarding improving and speeding the regulatory processes related to infrastructure development and redevelopment.\nAmong the attendees at the meeting with Trump were Vice President Mike Pence, Transportation Secretary Elaine Chao, Energy Secretary Rick Perry and Environmental Protection Agency Administrator Scott Pruitt. A number of private-sector executives representing the real estate, financial, energy and other industries also attended, including real estate mogul Steven Roth and Richard LeFrak, an expert in real estate, energy sector and other sectors of the economy. The two are heading up Trump’s initiative on infrastructure.\nThe state of the nation’s infrastructure continues to decline and the longer the wait to invest in improvements, the higher the price tag will be. This week’s infrastructure meeting is a good first step, but conversations need to be elevated to top priority status to put Americans to work on projects that will affect both state and local economies and allow the U.S. to remain globally competitive.", "domain": "economics"}
+{"url": "https://www.iconagency.ca/news-and-events", "date": "2021-10-22T16:31:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585516.51/warc/CC-MAIN-20211022145907-20211022175907-00177.warc.gz", "language_score": 0.9448524713516235, "token_count": 247, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__256342493", "lang": "en", "text": "News & Events\nMILWAUKEE, WI - Zurn Industries, LLC announces its acquisition of StainlessDrains.com. The acquired company is located in Greenville, TX and employs over 30 professionals.\nFounded two decades ago, StainlessSteel.com manufactures highly specialized stainless steel drains for industries focused in food service, food and beverage production, retail, chemical, commercial, and amusement parks. With food and beverage being one of the primary markets, the 304 or 316 stainless steel drains meet U.S. FDA standards and are designed to protect against bacteria, contamination, and corrosion.\n“We’re experts in drainage,” said Mike Hynes, Zurn Director of Product Management. “Our company supports product lines that complement what we offer and meet what our customers are asking for. StainlessDrains.com delivers the same expected benefits of ease of installation for the contractor and long-lasting performance for the building owner in dedicated markets. We look forward to adding to our team, our portfolio, and our innovation.”\nZurn is working on an integration plan and will begin rolling out the product line to customers this year. The domestic manufacturing location will shorten lead times for orders.", "domain": "economics"}
+{"url": "https://techstylecomputers.com/nintendo-release-super-mario-run-mobile-game-test/", "date": "2023-01-31T06:38:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499845.10/warc/CC-MAIN-20230131055533-20230131085533-00529.warc.gz", "language_score": 0.9375821352005005, "token_count": 166, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__162032763", "lang": "en", "text": "Nintendo is going to release Super Mario Run this Thursday, 22nd December 2016. Nintendo plans to release the game for iPhone users and make it available in up to 151 countries worldwide. The game will also be soon available for the android users at a later date. This is Nintendo’s most iconic plumber character’s debut into the world of mobile gaming. Nintendo plans to compete with the on-going craze of Pokemon go and grab the mobile gamers with Super Mario Run. The critics believe that a $10 price tag on the game to buy full version of the game might make some potential gamers to be scared away and the fact that android users will not be able to get the game until a later date might make it tough for the game to be strong competition for Pokemon Go which is available to all and free.", "domain": "economics"}
+{"url": "https://weddingpro.fireside.fm/ep004", "date": "2020-10-25T13:40:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107889173.38/warc/CC-MAIN-20201025125131-20201025155131-00717.warc.gz", "language_score": 0.9340077638626099, "token_count": 162, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__220644844", "lang": "en", "text": "The wedding budget is often the most stressful part of wedding planning, but it doesn’t have to be. Don’t make the mistake of thinking some pre-wedding accounting isn’t for you. Whether you are on a tight budget or shooting for the stars, it’s smart to come up with a definitive financing plan. Host Jen from JL Original Designs and Cosmo from Cosmo Losco Films walk you through the important steps to building the perfect budget and how to stick to it so you don't go wedding poor when the big day is all said and done. Plus, when building a budget you always want to find ways to save money, so we've got the essential money saving tips so you can celebrate more and while keeping more cash in your pocket.", "domain": "economics"}
+{"url": "http://www.firebirdres.com/s/news.asp?ReportID=453074", "date": "2018-10-21T14:47:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583514030.89/warc/CC-MAIN-20181021140037-20181021161537-00012.warc.gz", "language_score": 0.9381104111671448, "token_count": 1133, "dump": "CC-MAIN-2018-43", "global_id": "webtext-fineweb__CC-MAIN-2018-43__0__215964138", "lang": "en", "text": "Jun 25, 2010\nFirebird Resources Inc. Announces Execution of Option Agreement\nVANCOUVER, British Columbia/June 25, 2010/ -- Firebird Resources Inc. (\"Firebird\" or the \"Company\") announced today that it has entered into an option agreement (the \"Option Agreement\") dated June 24, 2010 (the \"Effective Date\") with Pageland Minerals Ltd., a private Nevada corporation (\"Pageland\"), to acquire up to a 100% interest in certain mineral leases held by Pageland within the Counties of Lancaster and Chesterfield in the State of South Carolina (the \"Mineral Leases\"). The Mineral Leases consist of twenty separate mineral leases constituting a total area of approximately 2000 acres over three prospective gold properties, being the Buzzard, Jefferson and Belk properties.\nPursuant to the Option Agreement, the Company has the option to acquire up to a 70% interest in the Mineral Leases by issuing, on or before the first anniversary of the Effective Date, common shares of the Company with a market value of $4.8 million (subject to a maximum share issuance equal to fifty (50%) percent of the issued and outstanding common shares of the Company), such market value to be calculated over the preceding five trading days, and by making a cash payment to Pageland in the amount of $1.5 million on or before fourteen months from the Effective Date. Additionally, the Company must incur $1 million of exploration and development expenditures on the properties (the \"Properties\") underlying the Mineral Leases before the first anniversary of the Effective Date, and incur a further $1 million of expenditures in respect of the Properties before the second anniversary of the Effective Date. The Option Agreement provides that Firebird may acquire the remaining 30% interest in the Mineral Leases by making an additional cash payment to Pageland of $1 million before the second anniversary of the Effective Date and incurring $2 million of additional expenditures in respect of the properties underlying the Mineral Leases before the third anniversary of the Effective Date.\nThe Option Agreement is subject to customary conditions. In accordance with the Option Agreement, the Company will progress into the due diligence phase of the Option Agreement, which is scheduled to be completed within 45 days. The Option Agreement also remains subject to receipt of approval from the TSX Venture Exchange.\nThe State of South Carolina has a long history of gold and mineral exploration since the 1800's and hosted several gold mines, including Brewer (in the County of Chesterfield), Haile (in the County of Lancaster), Ridgeway and Barite Hill along the area known as the Carolina Slate Belt.\nThe Buzzard and Jefferson gold projects were last explored in the mid 1990's with positive drill results, but no historic resource defined. These two projects are part of the Haile-Brewer structural trend of gold mineralization. The Haile mine, currently being drilled by Romarco Minerals Inc., lies approximately ten kilometers southwest of the Buzzard project. The Brewer gold mine is an historic gold mine that was put back into production in the 1980's and early 1990's. The mine produced an estimated 400,000 ounces of gold from oxide and sulfide ore.\nThe Belk trend is an east-west mineralized structural and alteration trend north of the Haile-Brewer trend. An historic resource was defined by the Brewer gold mine at Belk and a mining permit was received from the state of South Carolina to mine the Belk deposit for processing at the Brewer mine.\nFor further information, please contact:\nThomas R. Tough, P. Eng., President\nFirebird is a mineral exploration company whose long term objective is to build a diversified company focused on the acquisition, exploration and development of mineral properties.\nThis news release contains certain forward-looking statements that reflect the current views and/or expectations of management with respect to performance, business and future events, including but not limited to express or implied statements and assumptions regarding the Company's intention to exercise the option referred to herein, the suitability of the properties for mineral exploration, the mineral content of the properties, the potential for recoverability of mineral from the properties on economically practical terms, the outcome of the Company's due diligence review and the receipt of necessary regulatory approvals. Forward-looking statements are based on the then-current expectations, beliefs, assumptions, estimates and forecasts about the business and the industry and markets in which the Company operates. Forward-looking statements are not guarantees of future performance and involve risks, uncertainties and assumptions which are difficult to predict. Investors are cautioned that all forward-looking statements involve risks and uncertainties including, without limitation, that the Company will choose not exercise the option and those risks relating to changes in the market, potential downturns in economic conditions, fluctuations in the price and supply of raw materials, equipment and skilled labour, fluctuations in the market price of minerals, foreign exchange fluctuations, regulatory requirements and changes thereto, competition, and other risk factors listed from time to time in the Company's public filings. These risks, as well as others, could cause actual results and events to vary significantly. Accordingly, readers should not place undue reliance on forward-looking statements and information, which are qualified in their entirety by this cautionary statement. The Company does not undertake any obligations to release publicly any revisions for updating any voluntary forward-looking statements, except as required by applicable securities law.\nNeither the TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in the policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this release.", "domain": "economics"}
+{"url": "https://yummystudio.net/efficient-ways-to-earn-money-quickly/", "date": "2024-04-25T08:18:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712297290384.96/warc/CC-MAIN-20240425063334-20240425093334-00825.warc.gz", "language_score": 0.9498540759086609, "token_count": 728, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__181333846", "lang": "en", "text": "Are you tired of struggling to make ends meet every month? Do you dream of earning enough money to enjoy the life you want? Well, we’re here to help! We’ve compiled a list of practical tips and tricks that can help you earn a lot of money quickly and start living your dream life.\nBe creative and unconventional\nTo make a lot of money quickly, the initial step is to think creatively and beyond the conventional. You must brainstorm unique ideas that help you differentiate yourself from others. It could involve establishing your own business, working as a freelancer, or identifying an untapped market niche.\nPut Time, Effort, and Resources into Developing Yourself.\nMaking an investment in yourself can be a surefire way to earn a lot of money in a short amount of time. By expanding your skill set or pursuing a degree, you can open up new opportunities for higher-paying jobs. In addition, prioritizing your physical and mental well-being can help you excel in your current career or give you a boost when starting your own business.\nSeek Out a Supporter\nConnecting with a supporter is an excellent strategy to gain valuable insights from someone who has already accomplished what you aspire to achieve. Your supporter can provide you with guidance, and advice, and help you sidestep the common pitfalls that could impede your progress. When searching for a supporter, seek someone who has experience in your field of interest, and does not hesitate to request assistance.\nBuilding a strong network is essential for fast and effective money-making. Connecting with people who can assist you in achieving your objectives, such as landing a job or launching a business, is vital. Attending networking events, participating in online groups, and communicating with industry professionals can all help you establish beneficial connections.\nBe Willing to Take Risks\nMaking a lot of money quickly often involves taking risks. To achieve success, you must be willing to step outside of your comfort zone and try new things. This may involve starting your own business, investing in the stock market, or pursuing a higher-paying job opportunity. Remember, taking calculated risks can lead to significant rewards.\nConsistency is crucial in achieving quick financial success. It’s important to stay persistent and not give up when faced with challenges. Set clear goals for yourself and work diligently towards achieving them on a daily basis.\nSet Aside Money for Savings and Investments\nIf you want to increase your wealth in the long term, saving and investing are essential. Start by creating a budget and committing to it. Make it a priority to save and invest as much as you can. Over time, your wealth will grow and you’ll have a better financial future.\nLook for Great Opportunities\nThere are ample opportunities available if you know how to find them. Be on the lookout for new possibilities, such as job openings, innovative business concepts, or investment prospects. If something feels right, don’t hesitate to take a risk.\nIn conclusion, there are numerous efficient and proven ways to earn money quickly. You can increase your income and achieve financial freedom by following the methods and strategies mentioned above, such as investing in yourself, networking, taking risks, being consistent, and saving and investing. However, it’s important to keep in mind that success doesn’t happen overnight and requires hard work, dedication, and persistence. With the right mindset and a willingness to put in the effort, you can achieve your financial goals and build a prosperous future.", "domain": "economics"}
+{"url": "http://4richmond.org/for-richmond-places-residents-into-1500-jobs/", "date": "2017-12-16T22:33:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948589512.63/warc/CC-MAIN-20171216220904-20171217002904-00613.warc.gz", "language_score": 0.9331699013710022, "token_count": 671, "dump": "CC-MAIN-2017-51", "global_id": "webtext-fineweb__CC-MAIN-2017-51__0__110244931", "lang": "en", "text": "Since our founding in 2012, For Richmond has made significant strides connecting Richmond residents to job, health, safety and educational opportunities.\nHowever, there’s one area where we’ve made a particularly strong impact: jobs.\nOver the last four years, For Richmond placed more than 1,500 Richmond residents into construction trade and non-construction trade careers.\nHow did we do it?\nOur success serving Richmond residents in the jobs sector is attributable to a multipronged approach that encompasses program initiatives, advocacy and outreach.\nA key part of our jobs-related work includes helping residents remove the barriers that stand in the way of them obtaining meaningful employment through our Job Barrier Removal Program.\nUnder the program’s umbrella, we host a free Pre-Apprentice Test Prep Class twice annually that helps Richmond residents brush up on their math skills and prepare to enter a local construction trade apprenticeship program. With some perseverance, the end result can be a promising, lifelong career as a plumber, welder, electrician and/or steamfitter.\nResidents who have passed through our Job Barrier Removal Program have eventually been placed in roles in the construction trades at East Bay companies such as Overaa Construction, Kiewit, Performance Contracting Inc. (PCI) and nearby refineries such as Chevron Richmond, ConocoPhillips Company, Shell Oil, Tesoro Corp. and Valero Energy Corp.\nOur placements include work on large-scale construction projects currently underway in our own backyard such as the Chevron Richmond Modernization Project—a venture which has prioritized hiring local talent.\n“Chevron recognizes the importance of partnering with For Richmond and other organizations that are working to create opportunities for local residents to work at the Richmond refinery,” said Joe Lorenz, senior policy, government and public affairs representative at Chevron, who is also a For Richmond Steering Committee member.\n“One of the keys to a thriving and robust local economy is having a well-trained, well-educated workforce,” Lorenz added. “As the City’s largest employer, we are proud to work with organizations like For Richmond that make a positive impact by helping build skills of residents and grow the pool of qualified local talent.”\nOther facets of our jobs-related work includes promoting expanded support of other local vocational and trade training programs, advocating for local hire spurred by large-scale construction projects in Richmond and informing the community about ongoing current job openings via our weekly e-newsletter’s “Job Watch.”\nA sampling of some of our past non-construction job placements of Richmond residents include roles at companies such as Blue Apron, Chimes Printing, raindesign, Pacific Gas & Electric, Xfinity, the City & County of San Francisco and numerous others.\n“For Richmond welcomes any Richmond residents interested being connected to careers through our work to get in touch,” said For Richmond Executive Director Kyra Worthy. “If you’re ready to get to work, we’re here to help you overcome some of the obstacles that might be standing in your way.”\nContact For Richmond at email@example.com or 510-260-0290.", "domain": "economics"}
+{"url": "https://www.gkogan.co/blog/category-creation/", "date": "2024-04-20T03:09:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817474.31/warc/CC-MAIN-20240420025340-20240420055340-00585.warc.gz", "language_score": 0.9518473744392395, "token_count": 7367, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__140456451", "lang": "en", "text": "In college, I took a self-defense class, taught by Sensei Flagg. The next semester, I took a kickboxing class, taught by Sensei Flagg. The next and final semester, I took an Isshin-Ryū Karate class, taught by Sensei Flagg.\nIt was the exact same class each time. The administrators just couldn’t decide how to categorize it.\nAccording to the school’s policy, retakes did not provide additional credits or grades. But when I noticed the administration���s constant category changes of the same karate class, I realized it would count for a new credit and grade each time. So I kept enrolling and boosted my grades and course-credit total.\nThis category shuffle had a minor effect on my overall grade (and belt ranking). In the business of software, however, companies live or die by the category they compete in. It affects the number of potential buyers, their budgets, their perceived value of the product, and the alternatives they compare against the product. It even affects how much interest the company can garner from investors and job candidates.\nSome think product categories have a loophole similar to my college karate classes: Instead of slugging it out in an existing category, just create a new one! Instead of extra credits, the thinking goes, you become the default market leader and get millions in revenue from the many buyers who realize they can’t live without this kind of product.\nOn top of that, startup founders are told that legends such as Steve Jobs, Larry Page and Sergey Brin, and Marc Benioff succeeded because they created categories instead of disrupting old ones.\nAn exploitable loophole. Growth and revenue. The secret behind the success of legends. No wonder so many founders wonder whether they should create a new category.\nFrom helping startups since 2013 and analyzing tech IPOs from the past two years, I’ve reached this surprising conclusion:\nYou don’t need a new category. In fact, the vast majority of startups succeed in an existing category. As did, it turns out, Steve Jobs, Larry Page and Sergey Brin, and Marc Benioff.\nThe smartphone category existed over a decade before Steve Jobs introduced the iPhone. Although Salesforce was one of the first breakthrough Software-as-a-Service companies, its founder Marc Benioff neither coined nor used the term “SaaS,” which really emerged in a 2001 industry publication (more on that below). Larry Page and Sergey Brin created an innovative method of ranking web sites but always called Google a “search engine.”\nAnd if you do try it, category creation is much harder and costlier than it seems.\nThis article summarizes my perspective on the matter, based on extensive research and actual go-to-market experiences — some of which are included here as anecdotal stories — and makes the case that startups are more likely to succeed by competing in an existing category than by trying to create a new one.\nCategories Are Just Words\nA category (“market category” or “product category”) is a group of products that solve a similar problem, in a similar way, to a similar audience. Examples in software include Application Performance Monitoring (APM), Marketing Platforms, and Platforms as a Service (PaaS).\nBut really, categories are just words.\nThere’s no single authority that decides what is or isn’t a word, or their meaning. A word is real if enough people use it and it means what most people think it means. Some words change meaning; some disappear; new ones emerge; everything is fluid. And so with categories.\nChanges happen as a result of significant innovations, shifts in buyer perceptions or needs, economic environments, and many other factors. Whatever the cause, the change first spreads in the wild before being documented and standardized by some influential person or organization.\nAs one analyst from the research firm Gartner told me:\n“When we either create or advance terms that we’re hearing, it’s always to provide clarity to the market.”\nFor example, in 2001, the Software & Information Industry Association introduced the world to SaaS: “Software as a Service (SaaS), commonly referred to as the Application Service Provider (ASP) model, is heralded by many as the new wave in application software distribution.” Salesforce, which launched two years prior and uniquely provided its software through the cloud, influenced this change, but it did not coin the term.\nNone of this diminishes the power of categories. In addition to meaning, they also carry associations, expectations, and perceptions. They can even evoke emotions.\nTake NoSQL, for instance. If you’re familiar with databases, that label might stir expectations such as “open-source” and “distributed”; product associations such as DynamoDB, Cassandra, and MongoDB; and perceptions such as “risk of data loss,” “fad,” or “best choice for big data.” Depending on your experience with databases or the year in which you read this, you may involuntarily feel either glee or disgust.\nSuch reactions have tremendous implications for the company behind the product. The category with which buyers associate that product impacts their level of interest, what they compare it against, how much they expect and are willing to pay, what they expect the product to do, and so on. Companies can influence — but not control — the category they’re associated with through positioning.\nPositioning is the deliberate effort to make a product or service be associated with a specific category for some advantage. Everything from the way the product is built to the way it’s packaged, priced, sold, and marketed can be a part of that effort.\nFor example, Redis makes a database that fits the NoSQL definition, but maybe they prefer not to be associated with “cheap” and “fad,” nor to compete with the many NoSQL solutions in the market. So they consistently label the product as an “in-memory database” and avoid mentionioning NoSQL throughout the corporate or open-source sites. (This is speculation for illustrative purposes.)\nAlthough successful positioning could make a significant impact for a startup, it takes work to figure out how and where to position the product to maximize returns. What’s more, any category with a sizable market is sure to already include competition from market leaders or a swarm of other startups.\nWhich is why some startups attempt a shortcut with category creation.\nCategory creation is a marketing strategy in which a company designs a new product category — along with name, problems, solutions, and audience — and promotes that category alongside the product itself. The goal is to convince buyers they need a certain kind of product, then win that growing market by virtue of having the only (or leading) product in it.\nThe idea of hacking your way to market dominance and unicorn status is understandably alluring to startup founders. If you could mold the market in your favor and sidestep the incumbents and startup competition, why wouldn’t you?\nBecause, as it turns out, category creation is neither a shortcut nor a surefire way to succeed.\nCategory Creation Is Not a Shortcut\nCategory creation is much harder and costlier than it seems — in time, energy, resources, and opportunity cost.\nThe hard part isn’t coming up with the strategy. The hard part is moving the market — the buyers and their purchasing behavior — with you to the new category. Until then, you’re not a king; you’re just the mayor of a one-person town.\nIn other words, everyone can be “#1” in their own category, but that isn’t enough.\nMessage on the Drift homepage boasting about their position in their category.\nMessage on the Intercom homepage, boasting about their position in their category.\nThis requirement to move the market is badly and consistently underestimated by startups considering this strategy. It is underestimated in part because it is unacknowledged by proponents of category creation, who say much about “category kings” and market dominance but not enough about the time and cost it takes to get there, nor about the many companies that tried and failed to build a market around their new category.\nWhat does it take to move the market? Marketing. So launching a product and category together just doubles the effort, resources, and time required for sales and marketing. Instead of helping explain the product, the new category just creates another thing that needs explaining.\nThe cost may be even worse than that, because new categories face more resistance from buyers than new products. As one research study explains:\n“Owing to their vested interest in constructing and conveying the value of a new category in the market, producers’ discursive attempts at category-creation are liable to be discounted and viewed with suspicion by other constituents, especially consumers, in a market.” (Durand & Khaire, 2016)\nIn the worst case, it can be repulsive. Buyers might feel they’re being sold buzzwords and snake oil. This is a big risk for startups selling to technical audiences who are already sensitive to anything that smells like marketing.\nBy the way, I write an article like this every month or so, covering lessons learned from growing B2B software startups. Get an email update when the next one is published:\nLaunching a category at the same time as bringing a product to market is like trying to bring two products to market. Companies like Monday.com, HubSpot, and Fastly can afford to take shots at creating new categories — Work OS, Flywheel Model, and Edge Cloud Platform, respectively — because they have the resources and cash runway to see it through, just as they would with a new product or major release. Those who don’t have the resources to launch two products at the same time also don’t have the resources to successfully launch a product and a category at the same time.\nAs part of the go-to-market strategy for their live-chat product, Drift created the category of Conversational Marketing.\nEverything was aligned in their favor, and they did it about as well as anyone could: David Cancel, the Founder and CEO, was the Chief Product Officer at HubSpot for three years; they raised $107M from legendary investors like Sequoia; they wrote a book on marketing; they started and grew a podcast show; they built a large team of talented marketers; they’ve been doing this consistently for years; and their buyers — marketers — are extremely amenable to marketing.\n- They are still competing uphill against other live chat solutions.\n- They are left out of the conversation when it comes to the broader Conversational Platform and Conversational AI categories.\n- Unlike Inbound Marketing and Account Based Marketing (ABM), the category Conversational Marketing is still not in the daily vocabulary of marketers and executives.\n- Their growth is owed largely to marketing and not product innovation, which means their position in the market is far from secured.\n- They must still rely on conventional product labels (“live chat,” “video,” “email,” “automation”) and conventional value propositions (“build more pipeline, increase close rates, and retain customers”) to attract and convert buyers.\n- Just days before publication of this article, Drift revealed they have given up on Conversational Marketing and launched a second attempt at category creation (“Revenue Acceleration Platform”).\nDrift uses standard messaging and product names, different from their created category.\nNetlify spent many years and resources promoting the Jamstack category of development tools. In some respects, it has been very successful: They’re unanimously credited with coining the term, they’re the company most associated with the label, there’s an entire ecosystem of Jamstack solutions, and they now have a million users. Despite all that, they still had challenges in attracting and converting large customers.\nIn 2018, Netlify asked me to figure out what would make large companies pay for their enterprise plans. I found five things, and being “the No. 1 Jamstack platform” was not one of them. What we found helped inform the messaging, positioning, packaging, and pricing overhaul that followed soon after, which you can now see throughout their site. Notice “Jamstack” isn’t mentioned until the very bottom of the homepage.\nIn the end, Netlify was able to successfully move up market and meet aggressive growth goals. What it took to get there, however, was the same messaging and positioning work that every startup needs. It’s not clear how much the multi-year category creation effort helped compared to just, say, competing as a Platform as a Service (PaaS) — still the category of choice on their LinkedIn profile.\nThe Netlify company page on LinkedIn describes it as both a Developer Platform and a Platform as a Service, and does not mention Jamstack.\nD2iQ, formerly Mesosphere, put all their chips on creating the Day 2 Operations category, going so far as renaming the company — the D2 is for Day 2 — in August 2019. One year later, the company’s future looks gloomy, and the “day2ops” category label is hardly mentioned in the market.\nA director of engineering at a public tech company, whom I interviewed as part of a customer research project, has never heard of the term. Another engineering leader scoffed when asked and dismissed it as a marketing buzzword. Although it’s an unfortunate outcome for D2iQ, for everyone else, it’s a lesson that “category creation” is not a miracle cure, and can fail even with enormous resources behind it.\n(Note: Days before publication of this article, D2iQ started to back away from the Day 2 Operations category and toward something more conventional. Their headline was switched from “A Smarter Approach to Day 2 Operations” to “The Leading Independent Kubernetes Platform.” This makes it the second startup to give up on category creation before I could complete this article.)\nThe hard truth is that companies can pour every last dollar, drop of sweat, and moment of time into category creation and still fail to move the market.\nThe takeaway is not that Drift, Netlify, or D2iQ are doing anything wrong. It’s that the category creation strategy is much harder than it seems and comes at a large cost of time and resources to even attempt. That’s time and resources that could be spent on product innovation and winning over an existing market.\nThese examples raise the question: Did these companies even need to bother trying to create a category?\nMost Successful Startups Did Not Create Categories\nTwo misconceptions may lead founders to believe that category creation is the best or only go-to-market strategy, even if it does come at a significant cost. The first is that category creation was the secret behind successful and legendary startups. The second is that there’s no way to succeed in an existing category that already has a market leader.\nIf both were true, we’d expect most successful startups to be positioning their products in unique and original categories. Do they?\nNew Categories Among Recent IPOs\nThe first misconception — that creating a category is often the key to success — exists because many articles about category creation use the term as a synonym for “innovation.” Here is a typical example from an article promoting category creation as a strategy:\n“Jobs’ greatest genius was his ability to invent three new categories: the digital music player, the smartphone and the tablet.”\nSteve Jobs did not create the smartphone, MP3 player, or tablet categories. All three existed before the iPhone, iPod, and iPad. What he did was launch innovative products into existing categories, which were incredibly successful and eventually changed the behavior of consumers and competitors. Those are perfect examples of organic category shifts.\nLooking back at a few standout companies and attributing some key to their success does not reliably tell us what’s likely to work for others in the future. A recent, unfiltered sample set would provide a better indicator of what’s likely to work or not. Say, for example, a list of B2B software companies that went public in 2018 and 2019.\nIn 2019, there were 14 B2B software companies that went public. All but two of them marketed their products in existing categories, rather than something unique:\n|Self-Assigned Label in April 2018\n|Edge Cloud Platform\n|Digital Operations Management\n|Fixed Wireless Backhaul and Access Solutions\n|Healthcare Technology & Business Solutions\n|Web Performance & Security Company\n|Cloud-Delivered Endpoint Protection\n|Modern Monitoring & Analytics\n|Digital Performance and application performance monitoring (APM)\n|Healthcare Analytics and Data Warehousing\n|Digital Health Management\n|Enterprise Customer Experience Management Platform\n|Customized Patient Intake Software\n|Video Conferencing and Web Conferencing Service\nB2B tech companies that went public in 2019, and the category promoted on their homepage the year before IPO.\nFor the two exceptions in the list, it’s difficult to know how much the unique categories helped them, and at what cost. Before PagerDuty launched the Digital Operations Management category in 2016, they tried “Incident Management Platform” in 2015, and “Operations Performance Management” before that. Fastly already raised a total of $179M and reached a $650M valuation before switching their marketed category from Content Delivery Network (CDN) to the unique Edge Cloud Platform in 2017.\nAnnouncement from Fastly about their Edge Cloud Platform category.\nThe other 12 companies on the list opted to disrupt an established category (such as Zoom: Video Conferencing) or to lead an emerging category (such as Medallia: Customer Experience Management) instead of trying something new.\nThe proportion was similar in 2018, with 10 out of 11 companies competing in established, non-unique categories the year before going public:\n|Self-Assigned Label in May 2017\n|File Sharing and Storage\n|Work Management and Automation\n|Subscription Billing, Commerce & Finance Solutions\nB2B tech companies that went public in 2018, and the category promoted on their homepage the year before IPO.\nThe takeaway from the past two years of IPOs: The majority (88%) of B2B startups reach the IPO milestone by marketing themselves within existing categories, not in categories they created. Although these companies will certainly contribute to the evolution of their respective categories, they’re not trying to carve out new categories of their own.\nMultiple Winners Within Categories\nIn a 2014 article, Kevin Maney, co-author of a book promoting category creation, makes the kind of statement that leads to the misconception that there’s no way to succeed in an existing category that already has a market leader, implying startups may as well try to create a new category:\n“Even worse news for the second-tier companies: The study found that a six-year-old startup that isn’t yet a Category King has almost zero chance of becoming one. Hundreds of companies are left to forever survive, like raccoons at a summer camp, on their category’s scraps. That explains why Uber was valued at $41 billion earlier this month, while at about the same time the No. 2 in that space, Lyft, was valued about 40 times lower, at $1.2 billion. The rest of that category is barely noticeable. Investors look at the future value of that category and see one company taking most of it.”\n“The [study] puts some data behind the provocative advice investor Peter Thiel doles out in his book and lectures. Competition is for losers, he likes to say. The goal of any startup is to become a monopoly in its space. In the tech business, you’re either a 1 or a 0, and in a given market there’s only one 1. Everyone else winds up with a tax write-off and some coffee mugs with an extinct logo.”\nWhile this is great pep talk for the boardroom of a moonshot startup, it has little other practical use.\nLyft, with a market cap of $8.8B at the time of writing, is not complaining despite being second in the market. Neither is Pepsi, which also sits at No. 2 and owns 25% of a multi-billion-dollar market. There are multiple marketing platforms that are successful by any measure, all happily competing in that category: Hubspot has a market cap of $7B, Marketo was acquired for $4.75B by Adobe, and Mailchimp was last valued at $4.2B.\nAs for the idea of an unmovable king, history is full of former category leaders who thought the same thing (Snap, Yahoo, IBM, Palm, Compaq, AltaVista, and MySpace, just to name a few). The shifting nature of markets and the accelerating pace of innovation means the top position is always up for grabs.\nNow knowing that category creation is neither a shortcut nor a necessity to succeed, what can startups do instead?\nEnter Established or Emerging Categories\nImagine how early explorers felt when they discovered trade winds. They were able to go faster and farther just by getting into the right “lane” and keeping the ship pointed in the right direction. This by no means guaranteed a safe voyage, but it helped.\nPositioning products into an existing market is like finding a trade wind. It doesn’t guarantee success, but it helps startups:\n- Focus their time, effort, and resources on marketing and selling the product itself rather than the category. Prospective buyers (and investors, and job candidates) familiar with the category will already have the necessary background context.\n- Find prospective buyers who are already using, evaluating, or learning about solutions in the category (for example, by advertising for search terms related to the category or by reaching out to known users of competing products in the category).\n- Better convey the product’s value, because there are other solutions in the category to compare against.\n- Predict their sales and marketing performance, revenue, growth, and challenges by analyzing other companies in that category.\n- Choose from a plethora of category labels instead of trying to come up with something clever and hoping it sticks.\nExisting categories can be split into “established” and “emerging” to distinguish between those with high present potential from those with high future potential.\nDisrupt an Established Category\nEstablished categories are over five years old and have broad awareness in the market, with many large companies competing within them. Examples include Video Conferencing, DevOps, CRM, Project Management, and Security Information and Event Management (SIEM).\nEntering an established market with an innovative product has high present potential because there is already a well-informed audience primed to pay for solutions. Buyers in established categories already:\n- Understand their challenges and their magnitude. They don’t need convincing about having a painful problem.\n- Use a product in this space and know its limitations and downsides all too well.\n- Have budget allocation for a product or multiple products in this category.\n- Know about alternative solutions and the benefits and limitations of each.\n- Tried or considered building a solution in house and understand the maintenance burden that comes with that.\n- Designed systems and workflows around this type of solution, making it a critical part of their organization.\n- Have buy-in from their colleagues and other stakeholders to use this type of solution.\n- Know where to look for reliable information about the category and its products.\nAll this makes it relatively easy for a startup with an innovative product to start attracting and converting enterprise buyers. Startups can study the existing market to identify where buyers get their information, what they search for, what pains they experience with current or available options, what other solutions cost, what marketing strategies and tactics are working for other companies, and so on, and set the go-to-market strategy accordingly.\nSince the software industry changes rapidly, there’s a risk that the established category will shift dramatically or go away entirely, requiring the startup to overhaul their go-to-market strategy or, at the very least, update their messaging.\nJoin an Emerging Category\nEmerging categories are less than five years old and have very limited but growing awareness among buyers, definitions and expectations that are still being formed, and mostly startups (along with the most agile of large companies) competing within them. Examples include Managed Kubernetes, Low-Code, No-Code, Observability, AIOps, Zero Trust, and ModelOps.\nJoining an emerging category provides valuable opportunities to:\n- Become the go-to, trusted, and popular source of information about the emerging topic, attracting buyers as they grow in numbers.\n- Set or at least affect the associations, expectations, and buying criteria among buyers in the market in a way that maps well with the startup’s product but creates barriers to entry for competitors — such as pricing model and range, expected integrations, which features come standard and which are premium, ease of use, installation experience, and so on.\n- Secure early partnerships with companies in adjacent categories and convert their customers.\n- Grab significant portions of the market with relatively few resources, before large competitors swoop in with unlimited resources.\n- Leverage the hype around the category to get recognition and mentions from press and analysts.\n- Attract greater investor and job-candidate interest by virtue of working in a new and cutting-edge space.\nAll of this creates the potential for rapid and sustained growth as the market expands.\nUnfortunately, there is also uncertainty about how big the market will actually get, along with the added challenge of educating potential buyers about a new class of solutions and their value. These challenges, however, are not nearly as difficult as those of attempting to unilaterally create a new category.\n(Recall that new categories are typically coined by influential people or organizations who recognize shifts in the market and document it, and it happens to stick. Case in point: Both the Zero Trust and Low-Code emerging categories were coined by analysts at Forrester. ModelOps emerged around 2018 with no clear origin as far as I know — even if it was a software vendor that coined the term, they’re not reaping any competitive advantage for doing so.)\nWhen the team behind Teleport brought me in to help figure out what messaging would attract and convert enterprise buyers to their innovative product, they hadn’t made any decisions about positioning. They just went with the first idea which was to label it as a “modern SSH.” (SSH is a common method of accessing remote servers, and “modern” is a bad word for describing software products.)\nThe problem was that enterprise buyers — such as VPs of Engineering and CTOs — weren’t looking for a “modern” way to do SSH. Even if they stumbled upon Teleport, seeing “SSH” made them think of OpenSSH, an open-source alternative. As a result, the team spent a large part of every sales demo explaining how Teleport and OpenSSH are different, and why one should pay for the former when the latter is free.\nIn figuring out how to describe the product in a compelling way, we first determined what would make enterprise buyers want to pay for the product — their desired outcomes. Once we had those, we discovered there’s already an established category of products that solves those same outcomes: Privileged Access Management (PAM).\nThis category had several large, legacy incumbents like Cyberark ($4.7B market cap) and Centrify ($115M revenue in 2019), which meant there were many educated buyers eager for an innovative alternative and primed to pay for enterprise-level plans.\nWe came up with messaging to describe Teleport in a way that positions it as a high-value, innovative alternative to those legacy PAM solutions. (Tagline: “Privileged Access Management that doesn’t get in the way.”) Within six months of launching the new messaging, revenue shot up by more than 600%, and sales velocity — the speed at which new deals are won — significantly increased, too.\nThe team learned a valuable lesson: It pays to position innovative products into established markets. They then applied that lesson to Teleport when Zero Trust became an emerging category (“Zero Trust security that doesn’t get in the way”), and again when COVID-19 made remote access a top priority for many enterprises (“Remote access that doesn’t get in the way”).\nStory: Domino Data Lab\nWhen Domino Data Lab went to market in 2014, they entered the emerging Data Science Platform category. Few understood what it meant. People were just learning what “data science” was, as a practice, and whether they should hire “data scientists.” Nonetheless, it was a real category that was talked about by analysts and startups.\nOther startups such as Y-hat, Sense, and Datascience.com were popping up and helping to educate the market on this new thing called a “data science platform.” This allowed Domino to dedicate their resources and energy to customer acquisition and product development to meet demand exactly as the demand was growing.\nWhen the Domino founders brought me in in 2015, we put our attention toward attracting and converting enterprise buyers already interested in data science tooling, rather than pushing the new category.\nWe figured out where awareness and demand for data science platforms were growing the fastest, and went there. For instance, one of Domino’s first enterprise clients, Allstate, provided a clue: the insurance industry. So we put Domino squarely in the field of vision of insurance companies. We produced an insurance-focused case study and promoted it on LinkedIn to anyone technical or analytical at an insurance company (there weren’t many people calling themselves data scientists at the time). This campaign became one of the top sources of inbound sales leads, and helped Domino take a large chunk of the insurance market. We then took this approach for the financial-services and life-sciences industries, which to this day make up a meaningful portion of revenue for Domino.\nThanks to their sustained focus on innovating within an emerging category, by the time I finished consulting Domino in 2020, their platform was being used in 20% of all Fortune 100 companies.\nThere is a lesson there, in both flexibility and hedging bets.\nTest Categories Before Committing\nWhether choosing to create a category or enter an existing one, consider testing it first by marketing one product (out of a product lineup) or by running a limited campaign to promote the product within that category. This allows for seeing and measuring how well (or not) the new positioning attracts and converts the target buyers with much less risk and up-front costs.\nWith the emergence of the ModelOps category, Domino is testing the waters by releasing a standalone product to compete in that category.\nCentrify is wading into Zero Trust while keeping one foot in their older category, Privileged Access Management, in which they raised $94 million in funding and were acquired for an undisclosed amount.\nCentrify put Zero Trust ahead of Privileged Access Management.\nNetlify kept one foot in the established Static Site Hosting category for the entirety of their effort to grow the Jamstack category, thus keeping a steady flow of new users during that time.\nBoth Splunk and VMware Tanzu (formerly Pivotal) position individual products in different categories, including emerging ones such as Observability and AIOps, while still marketing in older categories such as SIEM, APM, and CI/CD. This lets them test different positioning and messaging before committing more resources to one or a few key categories.\nVMware Tanzu positions individual products into emerging categories such as Observability and Service Mesh.\nSplunk positions itself into multiple established and emerging categories at once.\nNew Relic similarly hedged their bets until they had enough confidence to go after a single emerging category: Observability. They even changed their product packaging, from 11 offerings to just three, all tied to observability. (Recall that effective positioning involves product decisions as well as marketing.)\nNew Relic consolidated all products under the Observability category.\nJust be careful not to dilute your attention and resources too much when selling and marketing across several categories.\nYou don’t need to create a new product category to succeed.\nWhether you want to reach a successful exit (acquisition or IPO) or just multiply your revenue, both my experience and my analysis of recent tech IPOs shows that the majority of successful companies achieve that without having to create a category.\nFor those that try, it takes them much more time and resources than anticipated and doesn’t appear to improve the odds of success any more than positioning into an existing or emerging category.\nInstead, do what Steve Jobs, Marc Benioff, and 22 of the 25 most recent startups to go public have done: Focus on building something innovative and attracting buyers within an established or emerging category. Let your impact change the category, not your marketing strategy.\nPS - Liked this article? I write one every month or so, covering lessons learned on B2B startup growth. Don't miss the next one:\nIf you need help with marketing and revenue growth, get in touch.", "domain": "economics"}
+{"url": "https://plantbasedsolutions.com/plantbased-solutions-workshop-insights-from-the-experts/", "date": "2024-02-26T15:07:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474660.32/warc/CC-MAIN-20240226130305-20240226160305-00643.warc.gz", "language_score": 0.923704981803894, "token_count": 277, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__159713564", "lang": "en", "text": "Plant Based World Expo 2019\nHear from CEO Daniel Karsevar and Founder & Chairman David Benzaquen on, “Insights from the Experts: Branding, Scaling, and Fundraising for a Successful Launch and Sustained Growth in the Marketplace.” PlantBased Solutions’ workshop will take place during the Plant Based World Conference and Expo on June 8, 2019 at the Javits Center.\nWorkshop attendees will learn key insights from industry veterans Daniel Karsevar and David Benzaquen (CEO of Ocean Hugger Foods) for successfully launching and scaling your plant-based food and beverage company.\nThe workshop will cover branding as it relates to your company both internally and in the external landscape. It will also cover growing & scaling your business with sharp financials and maximized efficiencies, and fundraising wisely from the right investors at the right time and in the right form. Workshop attendees will also be eligible for an exclusive offer related to PlantBased Solutions’ Master Class series.\nThe team is excited to join an array of other industry experts – and so many incredible plant-based food and beverage companies – for the first Plant Based World Conference and Expo ever. The Expo is set to be an impressive gathering of industry leaders, brands, investors, educators.\nFor more details and to sign up, visit our event page.", "domain": "economics"}
+{"url": "https://www.rei.rutgers.edu/event-calendar-mainmenu-28/past-events-and-seminars/2017/icalrepeat.detail/2017/03/03/142/-/rei-energy-policy-seminar-inequality-and-the-social-cost-of-carbon", "date": "2023-11-30T10:46:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100184.3/warc/CC-MAIN-20231130094531-20231130124531-00850.warc.gz", "language_score": 0.9437997341156006, "token_count": 415, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__208652944", "lang": "en", "text": "Past Seminars and Events 2017\nThis talk presents a novel way to disentangle inequality aversion over time from inequality aversion between regions in the computation of the Social Cost of Carbon. The approach nests a standard efficiency based Social Cost of Carbon estimate and an equity weighted Social Cost of Carbon estimate as special cases. It also presents a methodology to incorporate more fine grained regional resolutions of income and damage distributions than typically found in integrated assessment models. Finally, I will present quantitative estimates of the Social Cost of Carbon that use our disentangling of different types of inequality aversion. We use two integrated assessment models (FUND and RICE) for our numerical exercise to get more robust findings. Our results suggest that inequality considerations lead to a higher (lower) SCC values in high (low) income regions relative to an efficiency based approach, but that the effect is less strong than found in previous studies that use equity weighting. Our central estimate is that the Social Cost of Carbon increases roughly by a factor of 2.5 from a US perspective when our disentangled equity weighting approach is used.\nDr. David Anthoff is an environmental economist who studies climate change and environmental policy. He co-develops the integrated assessment model FUND that is used widely in academic research and in policy analysis. His research has appeared in Science, the Journal of Environmental Economics and Management, Environmental and Resource Economics, the Oxford Review of Economic Policy and other academic journals. He contributed a background research paper to the Stern Review and has advised numerous organizations (including US EPA and the Canadian National Round Table on the Environment and the Economy) on the economics of climate change.\nHe is an assistant professor in the Energy and Resources Group at the University of California, Berkeley. Previously he was an assistant professor in the School of Natural Resources and Environment at the University of Michigan, a postdoc at the University of California, Berkeley and a postdoc at the Economic and Social Research Institute in Ireland. He also was a visiting research fellow at the Smith School of Enterprise and the Environment, University of Oxford.", "domain": "economics"}
+{"url": "https://onlythegoodskin.com/", "date": "2020-09-18T16:32:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400188049.8/warc/CC-MAIN-20200918155203-20200918185203-00013.warc.gz", "language_score": 0.9632859230041504, "token_count": 1732, "dump": "CC-MAIN-2020-40", "global_id": "webtext-fineweb__CC-MAIN-2020-40__0__274465519", "lang": "en", "text": "Picture this: you’re 17 and you’re filling out your UCAS application. You have flicked through every university prospectus you can find, attended some open days, and yet, you still have absolutely no clue what degree to choose. This is the rest of your life. At least, that’s what you think.\nMany of us have been through this exact situation. And whilst some are destined to be doctors, teachers and dentists – others are fifty before they find their true ‘calling’. We know that social mobility, higher education and graduate employability are key concerns that continue to progress in all developed nations (Bathmaker et al, 2013). We see these key concerns circulating the media daily. An article on LinkedIn last week reported that business and administration is the most popular degree subject in the UK. Sourced from the Financial Times, it was claimed that those studying business are the most likely to get a job after university (aside from medical and dentistry graduates). It got me thinking, how important are degree subjects?\nI’m not ashamed to say that throughout my life I have considered many careers. My earliest and first was a ‘pear/pay-er’. I didn’t know the title for a checkout assistant, so I spent most of my childhood with my parents thinking I wanted to belong in a fruit bowl. I loved playing on my toy cash register and setting up shop in the middle of my living room. My second ambition was to be a teacher. I used to print out registers filled with made-up names and buy an abundance of stickers to give to my imaginary pupils. The list goes on, but my longest career ambition was to become a midwife. I done my work experience in a midwifery unit at my local hospital, and I was sure that this was my ‘calling’. But maths and science weren’t my strongest subjects. I gave it my best shot, but realised that enjoyment was more important, and lay the dream of being a midwife to bed. So, I instead studied what I enjoyed, without thinking too much about the effects it would have on my future degree subject.\nEducation is significant for the distribution of life chances and crucial for later outcomes. In fact, The Confederation of British Industry (CBI) reports that Education and Skills are ‘consistently at the top of the priorities list of the 190,000 businesses the CBI represent’ (CBI, 2018). Educational attainment and labour market outcomes are strongly related. Low educational attainment is more likely to lead to precarious employment outcomes, whilst high educational attainment is more likely to foster social mobility and increasing socio-economic opportunities.\nWith the abundance of choices, societal pressures and high expectations, you can imagine that when it came time to pick a degree (which at the time I thought would determine the rest of my life) I felt more than a little lost. It takes a simple Google to find out what the Internet deems as a ‘good’ degree, with articles left, right and centre about what degrees will earn you the most money. It’s fair to say that if I was mostly concerned about my wage packet I would probably not be in my final year of Social Policy and Sociology. But, I’m getting ahead of myself. It is no secret that many people do go on to university for the prospect of a better career.\nThe problem is, research is conflicting. If you Google advice on what to study at university, you will be faced with a BuzzFeed quiz or ‘do what you enjoy’. Helpful. Out of sheer curiosity, I done a BuzzFeed quiz and can reveal I should have studied Literature. Baring in mind the first question was ‘pick your favourite keyring’, I’m not convinced.\nIt would appear that quantitative subjects not only signal intelligence, but are also more likely to bag you a graduate job. From the age of 11, employers want to see schools improving STEM (Science, Technology, Engineering and Maths) skills – with 82% ranking this among the top three most important areas for actions (CBI/Pearson Education and Skills, 2018). Of course, some professions do require specific degree subjects. A humanities student couldn’t go into an engineering role. In 2012, the CBI report indicated that the subject chosen makes a difference to employers – with 72% saying that they looked out for graduates from certain subject areas (compared to only 46% claiming that degree classification was the most important element). 50% of these employers were looking for students with STEM degrees, in comparison with 2% looking for those with social science degrees. This year, UCAS reported that 40% of employers surveyed said that they preferred to recruit graduates with a STEM subject, and 19% of employers preferred a business-related subject.\nThere is a great deal of debate around what subjects are ‘harder’ or more ‘worthwhile’. When I was studying German, somebody in a STEM related degree actually said to me ‘but most businesses communicate in English – plus, there’s always Google translate’. Naïve, yes. But it is also naïve to think that these judgements around humanities degrees do not exist.\nInterestingly, a poll created by the AAT (Association of Accounting Technicians, 2018) showed that companies are increasingly favouring applicants with relevant work experience, whether that be from an apprenticeship or an internship. A survey of 1,000 decision makers, found that 49% preferred to see relevant work experience on a CV, in comparison to 24% who said they would be more willing to take on somebody with a relevant degree qualification. Other qualities that companies looked for was the ability for a candidate to fit into the company culture, and their personality in general.\nIt’s fair to conclude that not all degrees are created equal. Whilst data shows that recruiters generally favour STEM degree subjects, this could be simply because of the dominance and importance of these career paths. But it is also important to note that intelligence biases do exist.\nIn saying this, with the developing workplace, apprenticeships are becoming increasingly favoured due to their hands-on approach to the workplace. Co-founded of Arch Apprentices, Ben Rowland, understands the importance of apprenticeships in modern societies.\n“These routes offer a great way to gain the skills needed to excel at the job, which a traditional university degree simply doesn’t provide.”\nThe Office for National Statistics shows that in 2016, the employment rate of those with apprenticeships was 85.6%, compared with 87.8% with degrees. However, the ONS also reported that in 2015, 45.8% of recent graduates in the UK were in jobs that did not require a degree. Considering that many outside of Scotland pay for their university education – this statistic is rather alarming. The changing recruitment requirements may allow more room for not only the development, but the encouragement of apprenticeships. Degrees are often favoured in high schools for those with the grade requirements, but perhaps we should begin to shift our focus?\nCBI (2018) The CBI/Pearson Education and Skills survey 2018: how employers view the education system. https://www.cbi.org.uk/media/1171/cbi-educating-for-the-modern-world.pdf\nBathmaker, Ann-Marie, Ingram, Nicola & Waller, Richard (2013). Higher Education, Social Class and the Mobilisation of Capitals: Recognising and Playing the Game. British Journal of Sociology of Education, 34(5-6), pp.723–6), p.723–743\nOffice for National Statistics (2016) Percentage of graduates working in non-graduate roles in London and the UK: 2011 to 2015 / A comparison of the earnings of graduates and apprentices in the UK, 2004 to 2016\nHallinan, M. and Williams, R. A. (1990) ‘Students’ characteristics and the peer-influence process’, Sociology of Education, 63:122-33.\nWest, A. & Nikolai, R. (2013) ‘Welfare Regimes and Education Regimes: Equality of Opportunity and Expenditure in the EU (and US)’, Journal of Social Policy, 42(03), 469–493.", "domain": "economics"}
+{"url": "https://www.jcarstenremodeling.com/2016/06/02/energy-efficient-home-updates/", "date": "2024-02-27T14:42:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474676.26/warc/CC-MAIN-20240227121318-20240227151318-00801.warc.gz", "language_score": 0.9219697117805481, "token_count": 700, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__163102842", "lang": "en", "text": "If there’s one aspect of home ownership that’s universally despised it’s got to be paying the bills. Few home expenses are less glamorous or more tedious. Budgeting for heat, air conditioning, water, electric, and gas use is the biggest mindset shift that occurs after leaping from renting to home ownership. Gone are the blissful days of landlord covered utilities. In its place are a bevy of new concerns.\nIf living off the grid isn’t an option to escape your monthly bills – rest assured there’s another option! There are many simple changes you can make that will help increase your home’s efficiency and lower your recurring expenses. Don’t waste your hard-earned income on bloated bills a moment longer; give one of these efficiency-minded updates a try!\nUpdate Lightbulbs. Replacing traditional incandescent bulbs with energy saving CFL or LED bulbs is a no brainer. Switching is easy as reaching for a different box the next time you’re at the store. Just remember, don’t spend a small fortune changing out every lamp in the house at once. Simply replace old bulbs as they burn out, you’ll get them all changed over time without wasting what you’ve already spent money on.\nBuy New Windows. Old and inefficient windows are a huge hindrance to lowering your energy bills. Leaking heat or air conditioning is as bad as throwing away your money – you are literally paying for something that is being wasted! Newer windows are designed for greater cost savings, and are a lasting update that will add value to your home.\nEnergy Efficient Appliances. Another excellent area for improvement are your home’s appliances. Huge strides have been made in recent years to improve and incentivize replacing inefficient household appliances. A new fridge, washer, or AC unit my be pricey, but there are many tax credits available to offset the cost of updating. Check out the EPA’s Energy Star website to begin your appliance search!\nAdd Insulation. A staggering amount of homes are lacking sufficient insulation. Adding new or improved insulation to your home is big way to save money. Heat naturally flows to cooler areas, which means your home could be working against you throughout the seasons. You could be spending money trying to heat your living room, only to have it escape through your freezing uninsulated attic. Or spend all summer running the AC only to have the cool air seep outside.\nInstall a Programable Thermostat. New thermostat technology is a game-changer. A programable thermostat puts you in control of the exact temperature of your home during specific windows of time. The heat or air conditioning can then be adjusted to your family’s schedule, which means no more wasting precious resources heating or cooling an empty house!\nTasking yourself with improving your home’s efficiency can be a big project – we know! If you’re feeling overwhelmed by the details, requirements, or planning involved, give us a call. We’re happy to take the stress off of your shoulders and help get you on the path to energy efficient savings. Don’t waste any more of your income on inflated bills or misplaced resources. Make these simple switches and start saving that extra money for fun future home projects instead. (Incidentally, we can help you with those someday too!)", "domain": "economics"}
+{"url": "https://magueda.com/en/promotions/industrial-flagship/", "date": "2023-05-29T08:46:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644817.32/warc/CC-MAIN-20230529074001-20230529104001-00792.warc.gz", "language_score": 0.9289163947105408, "token_count": 114, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__172594159", "lang": "en", "text": "Lot of land for sale for industrial use with almost 11,000 m2 of plot area with the possibility of division into two or more plots. It is located in Sector I-1 of Torija located next to the A-2 motorway. Interesting for any type of industrial installation.\nThe urban characteristics of the plot are as follows:\n- Maximum constructed area: 8.600 m2 (0.8m2/m2)\n- Maximum building height: 18,00 m.\n- Approximate dimensions plot: 130 x 85 m.", "domain": "economics"}
+{"url": "https://everestpm.com.au/the-rise-of-offshore-virtual-medical-assistants/", "date": "2024-04-12T21:08:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816070.70/warc/CC-MAIN-20240412194614-20240412224614-00584.warc.gz", "language_score": 0.9244892001152039, "token_count": 765, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__6348425", "lang": "en", "text": "In today’s globalized world, healthcare practices are increasingly turning to offshore Virtual Medical Assistants (VMAs) to streamline operations, enhance patient care, and optimize their administrative functions. These VMAs, based in the Philippines, provide a flexible and cost-effective solution for medical practices looking to expand their capabilities without the overhead of additional on-site staff.\nWhat Are Offshore Virtual Medical Assistants?\nOffshore VMAs are skilled professionals located outside the country of the healthcare provider they serve. They perform a variety of tasks, from administrative duties like scheduling appointments and managing patient records to more specialized tasks such as handling private billing, insurance verification, and even providing basic patient support. By leveraging the power of the internet and modern communication tools, these assistants work seamlessly with on-site teams, despite the geographical distance.\nThe Game-Changing Benefits of Offshore VMAs\n- Cost Efficiency: One of the most compelling advantages of offshore Virtual Medical Assistants is the significant cost savings they offer. Due to lower living costs in their home countries, offshore VMAs can provide their services at a fraction of the cost of hiring additional on-site staff, making it an attractive option for practices looking to minimize expenses.\n- Round-the-Clock Availability: With VMAs located in different time zones, medical practices can offer extended support hours, ensuring that patient inquiries are addressed promptly, even outside of regular office hours. This 24/7 availability can significantly enhance patient satisfaction and engagement. You can choose whatever hours you require – 8 to 24 hours per day. Or you may require a VMA for less hours. We can help you decide what is best for you.\n- Scalability: Offshore VMAs allow practices to scale their operations up or down with ease, providing flexibility to handle patient load fluctuations without the need for long-term commitments to additional in-house staff.\n- Access to a Global Talent Pool: Hiring offshore VMAs opens up access to a vast pool of skilled professionals from around the world, enabling practices to find the perfect fit for their specific needs without geographical constraints.\n- Focus on Core Healthcare Services: By outsourcing administrative and certain clinical support tasks to offshore VMAs, healthcare providers can focus more on patient care and other core medical services, thereby improving the quality of care and patient outcomes.\nImplementing Offshore VMAs in Your Practice\nTo successfully integrate offshore VMAs into a medical practice, it’s crucial to establish clear communication channels, set well-defined roles and expectations, and ensure compliance with healthcare regulations, including patient privacy and data security standards. Choosing the right VMA provider, one that understands the unique needs of your practice and offers reliable, high-quality services, is also essential.\nEmbracing the Global Workforce\nThe integration of offshore Virtual Medical Assistants into medical practices represents a forward-thinking approach to healthcare management. By embracing the global workforce, practices can enjoy increased efficiency, cost savings, and improved patient services, all while navigating the challenges of a rapidly changing healthcare landscape. Offshore VMAs are not just a cost-saving measure; they’re a strategic asset that can help medical practices thrive in today’s competitive healthcare environment. As we look to the future, the role of offshore VMAs is set to become increasingly integral to the operational success of healthcare providers worldwide, marking a new era in the evolution of medical practice management.\nBy focusing on the unique advantages and considerations of integrating offshore Virtual Medical Assistants into medical practices, we can see how they offer a viable solution for enhancing efficiency, reducing costs, and improving patient care. This approach not only addresses the immediate needs of healthcare providers but also paves the way for a more connected, efficient, and patient-centric medical practice.", "domain": "economics"}
+{"url": "https://solarsource.wordpress.com/", "date": "2017-02-27T15:43:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501172902.42/warc/CC-MAIN-20170219104612-00193-ip-10-171-10-108.ec2.internal.warc.gz", "language_score": 0.9433900713920593, "token_count": 2125, "dump": "CC-MAIN-2017-09", "global_id": "webtext-fineweb__CC-MAIN-2017-09__0__53715221", "lang": "en", "text": "July 12, 2010\nAnaheim Public Utilities’ commitment to help customers install new solar electric residential systems has been brought forth via their “Solar Advantage” program. This program was initiated in 2008 and since is responsible for thousands of Anaheim residents going solar and saving thousands of dollars off the purchase price of their solar systems. The Anaheim Solar Advantage program has one of the largest cash rebates in California (currently $3.46/w AC CEC).\nHow does that translate into savings? For a typical 1600 sqft. home a 3.8 kW system would offset nearly 100% of the energy usage. The gross cost of this size system could cost anywhere from $21,000-$23,000. With the Anaheim Public Utilities Solar Advantage the homeowner would get a cash rebate of approximately $12,000. Over 50% of the retail gross system cost is subsidized by the Anaheim Solar Advantage program.\nBut wait, theres more… The homeowner is also eligible for the 30% Federal clean energy tax credit. If we take the original gross cost ($23,000) and subtract the Solar Advantage incentive ($12,000) it leaves us with a net solar system cost of $11,000 which we can apply the 30% Federal tax credit to. That is an additional $3,300 incentive that is realized in the form of a tax credit at year end. The two incentives combined lowers the gross cost of the $23,000, 3.8 kW solar system to $7,700 after tax season.\nLet’s take this case study one step further… Based upon the California Energy Commission rating of the referenced 3.8 kW solar system it would be expected to generate 5,626 kWh of electricity per year. A typical Anaheim Public Utilities customer would be buying electricity for $0.14 per kWh. If we multiply 5,626 kWh of electricity by the current cost of of $0.14 per kWh we arrive at an annual energy savings of $787 per year. The solar system would pay for itself in less than 10 years while offering power output warranties that exceed 20 years.\nAs you can see Anaheim residents that purchase a solar system for their home and participate the Solar Advantage program are saving thousands of dollars in utility expenses over the life of their solar systems and helping the environment by powering their home with 100% clean and renewable solar energy. Good job Anaheim Public Utilities and participating residents!\nFor more information visit: http://www.solarsourcepower.com/anaheim.html\nDecember 7, 2009\nSeptember 24, 2009\nLocal Company Provides Clean Energy System for newly built Long Beach Park\nLong Beach, California, September 24, 2009 — A local company is helping to make history. Solar Source Inc. has designed and supplied the system for Long Beach’s first completely off-grid public park. The new K-9 Corner Dog Park, which opened on Sunday, September 27th, will draw its power directly from the sun.\nAlthough the project design originally included a conventional lighting system, a plan for an off-grid solar system that would produce the same level of lighting was presented, and adopted, during construction. The system will generate and store enough electricity to power 24 high-efficiency LED park lights for 6 hours a day starting at dusk, 365 days a year. It will also calibrate itself to adjust the park lighting supply to accommodate the ever-changing time of sunset. The lighting system includes a pole-mounted solar array consisting of six photovoltaic solar panels, two sun calibrating charge controllers, and four 120 Ah batteries.\n“This park is the first solar-powered park in Long Beach, but we expect that it won’t be the last,” said Jarrod Osborne, General Manager of Solar Source Inc. and project manager for the K-9 Corner Dog Park system. “We anticipate that the innovations here will inspire more and more use of pollution-free, renewable solar technology which is a cornerstone of the green revolution that is well under way and will continue over the decades to come.”\nK-9 Corner Dog Park is located at Pacific Ave. and 9th Street in Downtown Long Beach. It is an off-leash facility with a dog run, artificial grass designed for easy removal of dog waste, drought-friendly landscaping, a large desk constructed from recycled wood, shaded benches made of recycled plastic, and a dog drinking fountain.\n# # #\nABOUT SOLAR SOURCE\nSolar Source Inc. is a licensed solar energy contractor based in Long Beach, CA. They design, engineer, and install photovoltaic solar systems for residential and commercial electricity generation.\nVisit us online: http://www.solarsourcepower.com\nDecember 6, 2009\nThe sun is the source of all energy on our planet, and consequently also the cleanest and most renewable source of energy available to homeowners all around the world. Misconceptions about photovoltaic solar systems and our ability to harness the suns energy are the number one reasons homeowners overlook going solar. Let’s explore some of the most common myths related to solar power.\nMyth: Solar power is too costly.\nFact: Most solar systems will pay for themselves in 5-9 years and depending on the system can increase the homes value by as much as 5%. Best of all Uncle Sam is now subsidizing up to 50% of the cost of a new solar systems so the return on investment has never been higher. It is not uncommon to see annual return on investments between 7%-18% over the life of the system.\nMyth: My homeowners association will not allow me to install solar panels.\nFact: State law forbids anyone from preventing someone from installing solar electric systems based upon appearance.\nMyth: You need the right kind of roof.\nFact: Solar systems can be designed for all roof types. As long as the roof has unobstructed access to the sun and is free from shade it would be a good location for a solar system.\nMyth: My solar system will only work if the sky is clear of clouds.\nFact: Solar systems do st ill produce a current on cloudy days, however not as much energy will be produced as when the conditions are optimal (clear, sunny & cool). Solar systems are designed based upon the average annual sun hours of a given location and are designed to generate the necessary energy needs of the homeowner.\nMyth: The utility company will pay me in cash for any additional energy I generate.\nFact: The utility company will not pay homeowners cash for the additional energy they generate. The utility company offers homeowners the option of “Net-Metering”. If you produce more energy than you consume during the day you will have a surplus of energy created that will be used to offset the energy you consume at night when your solar system is not feeding energy into the grid. You will have a rolling 12 month period to use any monthly energy surplus you may have. Your energy surplus can expire if not consumed over the 12 month period. It is the job of the solar system contractor to design a solar system that is appropriate for your energy needs and that will not exceed your annual usage.\nTake a close look and you will see that solar power truly has a bright future. Unlike fossil fuels solar energy is completely clean and renewable. It contributes absolutely no pollution to the air or water. According to the Environmental Protection Agency, if renewable energy were used to power one million homes, carbon dioxide emissions would be reduced by 4.3 million tons per year, the same effect on the environment as removing 850,000 cars from the road. So go solar and be a super hero for the environment.\nSOLAR SOURCE INC. California\nDecember 5, 2009\nEvery month we receive an energy bill in the mail with a dollar amount owed in bold letters and a return address envelope awaiting our check and stamp. Have you ever tried to figure out how they actually came up with that dollar amount?\nThe first thing to do is define the unit of measurement for determining how much energy is used. We pay for gas by the gallon, we buy fruit and vegetables by the pound and we buy cable TV by the channel. When it comes to electricity we pay by the kilowatt-hour (kWh). One kilowatt is 1000 watts and one kilowatt-hour (kWh) is equivalent to the amount of energy used by ten 100 watt light bulbs for one hour.\nNow that we know how they are measuring our electricity usage lets look at how they equate it to dollars. A typical energy bill will have the total monthly kWh’s used and a price per kWh. This can range anywhere from $0.06 to $0.51 per kWh used. If your like me you pulled out your calculator to find out that there is a 750% difference between the two price points. Imagine going to the gas pump to find out that your price per gallon fluctuates between $3.00 and $22.50 based on how much gas you need.\nIt is typical for utility companies to determine the price per kWh charged based upon how much energy was used. Under this type of tiered pricing structure (used by SCE, PG&E, SDGE) everyone is allocated a baseline amount of electricity they can use per month at the lowest price per kWh ($0.10-$0.12 per kWh). If the customer exceeds their allocated kWh amount they are now bumped up into a higher pricing tier (often 10%-20% higher price per kWh) for the rest of the month. There can be up to 5 tiers of energy price increases based on your monthly use. The highest tier costing as much as $0.51 per kWh in some parts of California.\nWhy is all this so important?\nThe only way you can determine if using an alternative energy source such as solar, wind, geothermal, or gas is a more viable option is to know how much energy you are currently using and how much it is costing you.\nHow does solar energy compare?\nSolar energy systems can generate energy at a levelized cost as low as $0.09 a kWh over the 25 year life of the system. The energy produced by a solar system is clean and 100% renewable and best of all is cheaper per kWh than the utility is selling it for.\nWritten by SOLAR SOURCE INC. California", "domain": "economics"}
+{"url": "https://inspiro.co.il/en/", "date": "2024-02-26T11:54:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474659.73/warc/CC-MAIN-20240226094435-20240226124435-00442.warc.gz", "language_score": 0.9502595663070679, "token_count": 196, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__65667456", "lang": "en", "text": "Residential real estate projects management\nInspiro has been engaged in real estate development, management, and financing since 2010. Over the years, the company has successfully initiated and established countless projects throughout Israel. Each of these projects represents the fulfilment of the Inspiro vision to play a pivotal role in the advancement of the Israeli real estate market, from preliminary planning to successful handover of each apartment. Simply put, Inspiro is devoted to ensuring its clients’ complete satisfaction.\nAlongside its real estate development interests, Inspiro is actively involved in the management of non-profits, purchasing groups, and financing various projects around Israel. Inspiro’s financial strength and renowned managerial capabilities have cemented its reputation as a unique, pioneering company that both anticipates and leads original, groundbreaking thought in every field.\nToday, Inspiro initiates and manages many projects valued at hundreds of millions of shekels a year, while also presenting impressive multi-year growth data.", "domain": "economics"}
+{"url": "http://irontrybe.com/", "date": "2022-10-06T19:20:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030337855.83/warc/CC-MAIN-20221006191305-20221006221305-00311.warc.gz", "language_score": 0.9743268489837646, "token_count": 2882, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__56013230", "lang": "en", "text": "With the easing of Covid-19 limitations from March 29, designers are preparing to introduce their larger-scale projects. Initially out of eviction is Sing Holdings’ 616-unit executive condo (EC) North Gaia at Yishun Close, which opened its sales gallery and showflats for public sneak peek on April 7. E-application will be held from April 7 to 19, with rates of the devices to be released on April 20 as well as 21, complied with by hand-operated balloting on April 22 and also reservation of systems on April 23.\nThe project will have 11 blocks of 14 storeys, with 3- to five-bedroom homes, remaining on a 99-year leasehold, 231,575 sq ft, regular-shaped story. Throughout the roadway is the 40ha Khatib Bongsu Nature Park, with mangroves, mudflats and a river where individuals can go kayaking.\n” When I first checked out the website two years ago, it was the prospect of the nature get that drew me,” says Lee Sze Hao, chief executive officer as well as managing director of Sing Holdings. “It is very unusual for a suburban property project to be situated so near to the nature reserve.”\nNorth Gaia will have 11 blocks of 14 floors remaining on a 99-year leasehold, 231,575 sq ft story located cross the road from the 40ha Khatib Bongsu Nature Park\nSing Holdings won the website with a bid of $373.5 million or a land rate of $576 psf per story proportion (ppr) in November 2020. The land rate of $576 psf ppr was 2nd just to the $583 psf ppr paid by a joint endeavor in between City Advancements Ltd (CDL) and TID (a joint venture in between Hong Leong Holdings as well as Japanese developer Mitsui Fudosan) for the Sumang Walk EC site in February 2018.\nWhen the EC at Sumang Walk, the 820-unit Piermont Grand, was launched in July 2019 at an average rate of $1,109 psf, it was the initial EC to cross the mental limit of $1,000 psf. Piermont Grand was completely marketed as of end-December 2021, just 2 1/2 years after its launch. The last couple of devices that were marketed fetched a median cost of $1,159 psf, according to cautions lodged with URA Realis from September to December 2021.\nSince Piermont Grand, 4 other ECs have actually been released. March 2020 saw the launching of the 548-unit Ola at Anchorvale Crescent in Sengkang, which was completely sold as of end-March this year. 3 EC projects were launched in 2021: The 700-unit Parc Central in January, which was fully offered within 12 months; the 413-unit Provence Home, which was launched in May in 2015 as well as has just 3 readily available systems as at April 5; and also the 496-unit Parc Greenwich, which was turned out last September and also has just 13 unsold systems as at April 5.\n” As North Gaia is the initial major launch of 2022, as well as likewise the initial EC, units there are likely to be oversubscribed,” claims Ismail Gafoor, CEO of PropNex. North Gaia is collectively marketed by PropNex, AGE, Huttons and also SRI.\nPassion in ECs has gotten on the surge after the “circuit breaker” of April to June 2020, according to Mark Yip, CEO of Huttons Asia. There are 16 unsold brand-new EC systems from the 3 jobs released last year, he keeps in mind. “The launch of a new EC task, North Gaia, is most likely to appease the thirst [for ECs],” adds Yip. He is predicting that sales could be “as high as 50%” on launch day.\nThere has actually not been a brand-new EC job in Yishun in 7 years, not since Trademark at Yishun and also The Requirement, two EC jobs situated beside each other and launched in September and also October 2015 respectively. Both projects were totally sold and also completed in 2017 and also 2018 specifically. Trademark at Yishun will certainly strike its five-year minimum profession duration this year, and also The Requirement will certainly achieve sponge next year.\nUnits in EC tasks can only be re-selled to Singaporeans and also irreversible residents 5 years after MOP. It is only in the 10th year that the devices in the growth can be traded like other 99-year leasehold apartments, as well as available to foreign buyers.\nNearly 7,000 HDB flats (three-room as well as bigger) in Yishun have acquired MOP between 2019 as well as 2021, Huttons’ Yip includes. “This develops a prospective swimming pool of HDB upgraders for North Gaia.”\nThe EC market is relatively unaffected by the cooling steps: HDB upgraders are not subjected to the extra buyer’s stamp obligation (ABSD) when purchasing an EC device. They need not offer their existing HDB level until they obtain the secrets to their brand-new EC unit. As well as they are provided 6 months to get rid of their HDB level. The HDB resale levy will only be paid upon the sale of the level.\nBesides HDB upgraders, newbie home customers are another source of need for ECs They are untouched by the higher ABSD as they are acquiring their very first house, says Nicholas Mak, head of research study & working as a consultant at age Realty Network.\nNonetheless, they could be impacted by the tightening up of the total financial obligation servicing ratio (TDSR) from 60% to 55% in the latest round of cooling down procedures on Dec 16, 2021, he notes. Nevertheless, this could be minimized by the greater household earnings ceiling of $16,000 for EC purchasers, up from $14,000 in 2019, he includes.\nWall surfaces in between spaces can be partially knocked down to create doorways or recesses for storage or screens.\nSing Holdings is anticipated to establish a brand-new benchmark for the EC market with ordinary rate of systems at North Gaia between $1,250 psf and $1,280 psf. Based upon cautions lodged for the very first three months of 2022, mean price at Provence House is already at $1,242 psf; and at Parc Greenwich, median rate of systems sold goes to $1,226 psf.\n” North Gaia will establish the pattern for the staying two ECs in the pipe for launch this year,” states PropNex’s Gafoor.\nBoth ECs in the pipeline are slated for launch in the 2nd half of this year. The 639-unit EC at Tengah Yard Walk by a joint endeavor in between CDL as well as MCL Land is targeted for launch in 3Q2022; while the 600-unit EC at Tampines Road 62 by a joint venture between Qingjian Realty as well as Santarli Building and construction is arranged for 4Q2022.\nThe research study area along the corridor can be incorporated with the utility area to develop a larger study or a guest room in the 1,076 sq ft, three-bedroom-plus-utility-and-study\nCDL and also MCL Land paid $603 psf ppr for their EC site at Tengah Yard Stroll in June in 2015, while Qingjian and Santarli paid $659 psf ppr for the EC website at Tampines Street 62 in July 2021, climaxing for land prices in the EC section.\nQingjian as well as Santarli shattered their own record in March this year when they won the EC website at Bukit Batok West Avenue 8 with a land proposal of $662 psf ppr. The new 375-unit EC project at Bukit Batok West is expected to be launched sometime in 2Q2023.\nStandard land rates in the optical character recognition\nIt is not just EC land prices that are establishing brand-new highs. “Even government land sales [GLS] of 99-year private household websites in the Outside Central Area [OCR] are setting benchmark costs,” remarks ERA’s Mak.\nLast July, GuocoLand established a new record for personal household advancement land in the optical character recognition when it paid $1,204 psf ppr for a mixed-use development website at Lentor Central, which will be connected to Lentor MRT Terminal on the Thomson-East Shore Line. The new job, Lentor Modern at Lentor Central, is likely to be launched sometime at the end of 3Q2022 or very early 4Q2022.\nAt the same time, a joint endeavor between UOL Group, Singapore Land Group as well as Kheng Leong Co paid $1,118 psf ppr for the domestic GLS website at Ang Mo Kio Method 1 last May. The brand-new 372-unit job on the site is anticipated to be released in June this year. “Both these tasks will be establishing a brand-new price criteria for the OCR as they are most likely to be gone for rates close to $2,000 psf,” notes ERA’s Mak.\nWith ECs valued at the $1,250 psf to over $1,300 psf variety, as well as upcoming OCR launches forecasted to enter the marketplace at $1,900 to over $2000 psf, there is still a 46% to 52% rate gap in between these 2 market sectors, states Ken Low, taking care of companion of SRI. “ECs still present a really attractive opportunity for house applicants,” he includes.\nAt North Gaia, 85% of the units have a north-south orientation. Concerning 22% of the devices have sights of the Khatib Bongsu Nature Park or the canal and also upcoming park alongside the project. “The attraction of this job is its proximity to greenery,” keeps in mind period’s Mak.\nThree-bedroom houses are from 958 to 1,076 sq ft, and be available in different permutations consisting of those with a backyard and also study. Three-bedders comprise 518 systems (84%) of the complete devices in the task. Four-bedders are from 1,313 to 1,389 sq ft, and also comprise 84 units. These systems come with 5.2 m frontage for the living as well as eating location.\nThe remaining 14 units in the advancement are five-bedders sized at 1,593 sq ft. There are 45 penthouse units on the topmost flooring (14th level), as well as these come with 4m ceiling elevation as well as are a mix of 3- to five-bedroom devices. The job is arranged for completion at some time in June 2027.\nCommunal facilities consist of co-working space, a meeting room, 2 50m swimming pools, tennis court as well as jogging track of over 450m. Residents have accessibility to the park port through a side-gate at North Gaia. The park adapter web links to the Khatib Bongsu Nature Park across the roadway and also the 16.7 km Northern Explorer Loop, states SRI’s Low.\nThe Joint 9 mall is also within strolling distance (450m away), as well as provides 100 retail as well as F&B stores consisting of a 10,000 sq ft Sheng Siong grocery store. Throughout the road along Yishun Avenue 9 are cafe and dining establishments as well, he adds. North Gaia lies within 1km of 4 primary schools consisting of Chong Fu Institution, among the top primary schools in the north, Reduced comments.\nNorth Gaia is additionally located within a development area– the North Coastline Development Passage– which extends from Woodlands to Yishun and also Sembawang, and also finishes in Seletar and the Punggol Digital District. “The capacity for development is huge, provided the fact that EC buyers will certainly require to hold their systems for at the very least 6 to seven years,” he includes.\nNorth Gaia executive condominium is built next to Harmony Suites is arranged to be completed in 2026.\nSing Holdings’ Lee believes Singapore’s residential market will “remain healthy”, provided the easing of limitations, the reopening of the economic climate and far better task leads. Joblessness rate is additionally back at December 2019 pre-Covid degrees, according to the Division of Data, with the overall joblessness rate in January 2022 at 2.3% (from 2.4% formerly).\nUnsold housing supply is also at an all-time low, with less than 4,000 units from existing private property launches in the OCR to day, approximates PropNex’s Gafoor. “Options are restricted, as well as there aren’t several readily available offer for sale in the $1,300 to $1,400 psf cost variety,” he points out. (Discover all Singapore brand-new launch apartments in 2022).\nA forecasted 31,325 HDB Build-To-Order (BTO) apartments are expected to reach sponge this year– the highest possible figure in a years. In 2014, 25,530 HDB BTO apartments gotten MOP. “Demand for ECs is expected to stay solid this year,” states Gafoor.", "domain": "economics"}
+{"url": "https://www.resoniks.com/post/social-impact-award-finalist", "date": "2024-02-21T17:35:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473524.88/warc/CC-MAIN-20240221170215-20240221200215-00343.warc.gz", "language_score": 0.9231652617454529, "token_count": 319, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__10928761", "lang": "en", "text": "Tackling the UN Sustainable Development Goals, the Social Impact Award supports startups since 2009 to become agents of change. SUPPLYZ is among the top 20 finalists for this year's award, by enabling digital circular economies and reducing waste along the supply chain.\nUnique Incubation Program\nThe Social Impact Award runs across 18 countries and supports startups by creating awareness around social entrepreneurship, through a community of experts and peers, an by sharing know-how. The SUPPLYZ founding team is excited to be part of this incubation program for the next months, to solve the problem of inefficiencies in specific parts of the supply chain.\nReusing packaging plays a big role in achieving the sustainability goals. The SUPPLYZ technology can create digital twins of reusable packaging to increase efficiencies and transparency.\nThe Need for Digital Circular Supply Chains\nProducers of products and materials want to know exactly how much they need to produce in order to satisfy current demand. Both over- and underproduction result in inefficiencies, which mean extra costs, an increased risk of waste, or lost revenues. But the problem is that producers and industries do not have access to the real-time consumption data. To connect demand and supply in a circular economy, it is therefore not enough to use reusable packaging, but to share the data. The SUPPLYZ technology automates the documentation and sharing of this data in real-time while ensuring quality along the processes. This makes it more efficient for industries to adopt reusable packaging and reduce the amount of waste created from single use packaging.", "domain": "economics"}
+{"url": "http://number.beeline.am/en/Payment", "date": "2019-02-16T17:08:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247480905.29/warc/CC-MAIN-20190216170210-20190216192210-00087.warc.gz", "language_score": 0.9355968832969666, "token_count": 396, "dump": "CC-MAIN-2019-09", "global_id": "webtext-fineweb__CC-MAIN-2019-09__0__95107502", "lang": "en", "text": "After receiving the application, the delivery service will get in touch with the Buyer during 24 working hours and will form the final Order. In case the telephone number given by the Buyer is wrong and is not working or if no one answers the phone for 2 days, the application is considered invalid. In this case, the User can send a new Application. The product may be delivered by delivery service to the Buyer`s address indicated in the Order. The delivery is free of charge.\nThe product delivery term in Yerevan - within 3 working days from the date of completing the final Order. The product delivery term in RA regions: In urban communities of RA regions – within 5 working days from the date of completing the final Order. In rural communities of RA regions – within 10 days from the date of ordering. There is no delivery to Nagorno-Karabakh Republic and abroad.\nThe delivery is carried out any day of the week from 10:00 till 18:00 inclusive. The exact delivery time is coordinated with the Buyer and the Dealer by the telephone number indicated in the Order.\nWe are not in charge for delays due to force major circumstances.\nThe delivery is handed to the Buyer or to the person, indicated in the Order as a recipient. In course of handing the product, the Dealer has the right to demand the Buyer to submit an identity document (passport and ID card). The Seller ensures the confidentiality and security of the Buyer's information. Upon receiving the product the Buyer signs a contract of service provision:\nTerm of payment\nThe payment is made by the Buyer upon delivery of the goods. The payment is made in AMD in cash for the entire cost of the Goods. The Goods are not subject to handing to the Buyer, in case the latter refuses to pay or in case of absence of the Buyer`s funds at the moment of delivery.\nPrices and descriptions of services", "domain": "economics"}
+{"url": "http://proof-berganknights.presencehost.net/admissions/tuition/", "date": "2018-10-22T07:50:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583514879.30/warc/CC-MAIN-20181022071304-20181022092804-00066.warc.gz", "language_score": 0.9503841996192932, "token_count": 1595, "dump": "CC-MAIN-2018-43", "global_id": "webtext-fineweb__CC-MAIN-2018-43__0__11063307", "lang": "en", "text": "Tuition Information and Assistance\n- It is NOT a policy at Archbishop Bergan Catholic School to turn students away for financial reasons.\n- Archbishop Bergan Catholic School will work with each family to review all demonstrated need to ensure that financial hardship does not prevent a student from attending Archbishop Bergan Catholic School.\n- In addition to other tuition assistance options, Archbishop Bergan Catholic School also offers several academic scholarships to students who qualify based on criteria set by the specific scholarship fund.\n- Archbishop Bergan Catholic School expects families will make every effort to pay as much as they can, consistent with their commitment to the well-being of the School and their child’s education.\n1. Choose the payment plan that works for you. Tuition Payment Plans are selected when new students apply to Archbishop Bergan Catholic School or when current students re-enroll during the Open Enrollment Period (January – March).\nOption #1 – Single payment due by July 10th each academic year\nOption #2 – Bi-annual payments due July 10th & January 10th of that academic year\nOption #3 – Monthly, bi-monthly, or weekly payments. FACTS, a NelNet Company, allows payments to be budgeted over 12 months beginning in July of each academic year. This is the school’s required method for payments occurring monthly or more. Those paying by this option, will be charged a $43.00 annual fee, which will be charged to your tuition total. You have the option of paying with checking, savings, or credit*/debit card when using FACTS.\n*Beginning July 1, 2015, a 2.5% non-refundable convenience fee will be assessed on payments made via credit card\n2. Use the $crip rebate program to earn tuition credits on your account.\nThis program gives parents access to gift cards from a variety of stores and restaurants. Orders can be placed by email, at the church (before or after weekend Mass), or at the Parish Office (during weekday office hours). Use $crip for everyday purchases: groceries, clothes shopping, holiday shopping, home repairs, etc.\nThe gift cards are available or ordered at that time for parent pick-up.\nBusinesses participating in this program donate a percentage of the purchases you make through the $crip program to the School. The percentage is used as the rebate amount, which helps your students’ tuition or designated student/family tuition for Archbishop Bergan Catholic School.\nThe profits from the $crip program go to the General Fund of the School. Everyone in our School Family benefits in one way or another from the profits of the $crip program. The $crip profits help pay for the operating expenses of the School which provides Catholic education to our youth.\nIf after choosing your payment plan to fit your family budget and using $crip, you find that you cannot pay the designated tuition amount, there are several Tuition Assistance options to consider.\n- Complete the Archbishop Bergan Catholic School Tuition Assistance Application\n- Complete the Children’s Scholarship Fund Application (for families with students in grades K-8) or Complete the Archdiocese of Omaha High School Assistance Funding Application (for families with students in grades 9-12)\n- Meet with Director of Finance\n1. Complete the Archbishop Bergan Catholic School Tuition Assistance Application\nThere is no income requirement to apply for Tuition Assistance through Archbishop Bergan Catholic School. However, scholarships/grants are awarded based on need and the amount of funds available. Tuition assistance funds vary from year to year, so the funds are limited.Early application is encouraged. Tuition assistance is credited to accounts and families will be notified by the Finance Office. Families who receive the Archbishop Bergan Catholic School Tuition Assistance Grants/Scholarships must sign the Acceptance Agreement before the funds will be credited to your account.\nQualified families are expected to adhere to the following:\n- Students will maintain average to above average grades and maintain superior behavior in the classroom\n- Send a Thank you letter/note to the scholarship donor\n- Maintain assigned payment amounts and acknowledge that assistance will be re-applied for each year\n- Commit time in giving back to child(ren)’s school by volunteering time with various events and in the classroom\n- Notify Archbishop Bergan Catholic school and the St. Patrick’s Catholic Church Finance Office of e-mail or address changes that may occur\n2. Complete the Children’s Scholarship Fund Application (for families with students in grades K-8) or Complete the Archdiocese of Omaha High School Assistance Funding Application (for families with students in grades 9-12)\nChildren’s Scholarship Fund of Omaha\nThe Children’s Scholarship Fund of Omaha’s mission is to provide scholarship assistance for qualifying families so their children may attend a private or parochial elementary school of their choice.\nTo be considered for a CSF scholarship you must be entering school for the required academic year, and your total family income must fall within the eligibility scale. Once you’ve applied and been accepted (not all applications are accepted), you will agree to adhere to CSF’s scholarship requirements.\nQualified families will are expected to adhere to the following:\n- Each child receiving a scholarship must have an attendance rate of at least 90%\n- Your family must pay a minimum of $500 towards your children’s school each year (per family, not per child)\n- Physically enter your child’s school twice each year (once in November, once in April) to sign CSF paperwork\n- Your child must comply with school standards. If expelled, your child will not be eligible for scholarship renewal\n- You must fill out requalification paperwork each year to verify continued financial eligibility\n- Agree to make your child’s academic information accessible (e.g. test scores) for CSF program assessment.\nFor more information on the application process, eligibility scale and requirements of receiving a scholarship, please visit csfomaha.org or call 402-819-4990.\nArchdiocese of Omaha High School Assistance Funding\nTwo Assistance Programs are available by filling out the Archdiocese of Omaha High School Assistance Funding.\nOmaha Archdiocesan Educational Foundation (OAEF)\n- For Catholic High schools in the Archdiocese of Omaha (grades 9-12)\nArchbishop’s Annual Appeal Scholarship Program\n- For students enrolled in the 9th or 10th grade in a Catholic high school in the Archdiocese of Omaha\n- Scholarships are for tuition costs only. Registration fees, book fees, activity fees, etc. are the responsibility of the parents.\n- Qualified families are expected to pay a minimum of $1,000 of the tuition costs per year. This will be waived only for applicants with seriously limited resources.\nThe office of Stewardship & Development coordinates the Archdiocese High School Scholarships to provide tuition assistance for children throughout the Archdiocese. For more information, email email@example.com or call 402-557-5650.\n3. Meet with the Director of Finance\nBrook Zakovec, Director of Finance for St. Patrick’s Catholic Church & Archbishop Bergan Catholic School can meet with you to discuss your tuition budget and goals. You can also discuss options such as the Summer Student Work Program or Family Work Program. The Parish Office is located at 422 East 4th Street (next to St. Patrick’s Auditorium). Brook may be reached by email firstname.lastname@example.org or by phone 402-721-6611.", "domain": "economics"}
+{"url": "https://amvipharm.vn/prescription-powder-for-injection", "date": "2023-06-08T18:52:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224655092.36/warc/CC-MAIN-20230608172023-20230608202023-00244.warc.gz", "language_score": 0.8614863753318787, "token_count": 154, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__35071234", "lang": "en", "text": "- Address: Lot B14-3.4 N13 Street, Dong Nam Industrial Park, Hoa Phu, Cu Chi, Ho Chi Minh City.\n- Phone: 0886.690.680\n- Email: email@example.com\n- Website: www.amvipharm.vn\n- Tax Code: 0310524194\n- Business registration number: 0310524194 issued by the Business Registration Office - Department of Planning and Investment of Ho Chi Minh City on December 17, 2010, changed for the 14th time on May 7, 2018.\nBlock B14-3,4; N13 Street, South East Industrial Zone, Hoa Phu commune, Cu Chi district, HCMC", "domain": "economics"}
+{"url": "http://www.go-dome.com/the-fine-print-go-dome-distributor-discounts-and-rewards-program-rules/", "date": "2015-05-28T15:43:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-22/segments/1432207929422.8/warc/CC-MAIN-20150521113209-00252-ip-10-180-206-219.ec2.internal.warc.gz", "language_score": 0.9368131756782532, "token_count": 530, "dump": "CC-MAIN-2015-22", "global_id": "webtext-fineweb__CC-MAIN-2015-22__0__3781294", "lang": "en", "text": "As distributors have become aware of and have begun taking advantage of Go-Dome’s new Distributor Discounts and Rewards Program, questions have been trickling in about the specifics of the program. Following are answers to some of the most frequently asked questions. Go-Dome launched its Discounts and Rewards Program to benefit its loyal distributor partners, and wants the program to be as simple to use as possible.\nQ: “When I submit a purchase order, will Go-Dome® automatically apply my appropriate discount percentage to my order?”\nA: No. In order to take advantage of the discount that you’ve earned, you must apply that discount percentage to the purchase order before submitting it to Go-Dome. Go-Dome then will verify that you’ve added the correct discount percentage.\nQ: “When I’ve accrued enough points to earn a free reward Go-Dome, can I apply those points toward paying a Go-Dome invoice instead of receiving a free product?”\nA: No. Reward points can’t be used as partial payments for Go-Dome orders, nor can they be traded or bartered in any way. Reward points have no value as currency, nor are they transferable to a third party.\nQ: “Is there a limit on how many reward Go-Domes I can earn per calendar year?”\nA: Absolutely not! The more Go-Domes you sell, the more free products you earn.\nQ: “Are there any exclusions – any products that will not earn rewards points?”\nA: Distributors earn reward points on sales of all styles and sizes of Go-Domes. Sales of Newtonian 2 or Go-Vex products do NOT earn reward points,\nQ: “Are there stipulations on what I can and can’t do with my reward Go-Dome? If I want to sell it, is that OK?”\nA: No, there are no stipulations. Your reward Go-Domes are yours, and you can do what you wish with them. Many distributors say they plan to sell their reward Go-Domes at market price and use them to earn extra income.\nIf you are a distributor participating in Go-Dome’s new Distributor Discounts and Rewards Program and you have questions that are not answered here, e-mail Go-Dome’s Jiali Brady (jbrady@Go-Dome.com).", "domain": "economics"}
+{"url": "http://homecomfortgeo.com/locations/missouri/jefferson-city-mo/", "date": "2015-09-01T12:06:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-35/segments/1440645176794.50/warc/CC-MAIN-20150827031256-00128-ip-10-171-96-226.ec2.internal.warc.gz", "language_score": 0.9420982599258423, "token_count": 173, "dump": "CC-MAIN-2015-35", "global_id": "webtext-fineweb__CC-MAIN-2015-35__0__20277536", "lang": "en", "text": "Your Choice for Geothermal Services\nHome Comfort Geo is the company that offers solutions for geothermal heating Jefferson MO homeowners rely on for unmatched products and services. Geothermal energy is increasingly being used to heat and cool houses and business spaces, so you should schedule a service visit to evaluate how much you could save with a conversion to a geothermal system. One of the major benefits you will experience with geothermal is that is that you are able to access the earth’s natural energy in the land you own. By doing so you will be able to enjoy a significant energy efficiency increase, and therefore a considerable decrease in your monthly utility bill. The most energy efficient gas furnaces peak at an optimum efficiency of 94 percent, and when compared to geothermal systems at 400 percent efficiency, the choice is clear. Contact a Home Comfort Geo dealer today to learn more!", "domain": "economics"}
+{"url": "https://wasnap-ed.org/curriculum/training/", "date": "2021-10-22T22:25:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585522.78/warc/CC-MAIN-20211022212051-20211023002051-00034.warc.gz", "language_score": 0.927859365940094, "token_count": 180, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__9139581", "lang": "en", "text": "PSE Workshop 1: Examining Whiteness in Food Systems\nTuesday, December 7, 2021; 10:00 am-3:00 pm\nWednesday, December 8, 2021; 10:00 am-Noon\nThis two-day workshop will examine how the white dominant culture plays out in food insecurity and food access in the United States.\nDay one, December 7, 2021, will include presentation from Jen Zuckerman, Duke University and World Food Systems. She will frame ways in which whiteness impacts the food system, based on historical context of structural racism. There will also be examples of how whiteness fuel power, decision making and investment in food systems.\nDay two, December 8, 2021 will bring LIAs from their region together to discuss the previous day presentation and how the information informs WA SNAP-Ed. IAs from each region will lead the day two discussion.", "domain": "economics"}
+{"url": "http://www.agrifoodecon.com/about", "date": "2015-11-28T04:02:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-48/segments/1448398450762.4/warc/CC-MAIN-20151124205410-00206-ip-10-71-132-137.ec2.internal.warc.gz", "language_score": 0.9065266251564026, "token_count": 2588, "dump": "CC-MAIN-2015-48", "global_id": "webtext-fineweb__CC-MAIN-2015-48__0__60660187", "lang": "en", "text": "Receive periodic news and updates relating to SpringerOpen.\nSearch information pages\nAbout Agricultural and Food Economics\nThis page includes information about the aims and scope of Agricultural and Food Economics, editorial policies, open access and article-processing charges, the peer review process and other information. For details of how to prepare and submit a manuscript through the online submission system, please see the instructions for authors.\nAims & scope\nAgricultural and Food Economics (AFE) is an international peer-reviewed and open access journal published on behalf of the Italian Association of Agricultural Economics. AFE welcomes research articles from economists, scholars and researchers from all over the world to publish problem-oriented and high quality articles. AFE publishes only original articles from a wide variety of economic perspectives that address current and relevant issues related to the agricultural and food system. AFE publishes articles focused on applied analysis, the discussion of innovative results, and relevant policy and managerial implications. AFE seeks clearly written articles from experts in the field, to promote insightful understanding of the current trends in the agri-food system.\nTopics of specific interest to AFE include agricultural and food market analysis, agri-food firm management and marketing, organization of the agri-food chains, consumer behavior, food quality and safety issues, economics of nutrition and food security, food and health economics, agri-food policy and trade, sustainable rural development, natural and marine resource economics, land economics.\nAll articles published by Agricultural and Food Economics are made freely and permanently accessible online immediately upon publication, without subscription charges or registration barriers. Further information about open access can be found here.\nAuthors of articles published in Agricultural and Food Economics are the copyright holders of their articles and have granted to any third party, in advance and in perpetuity, the right to use, reproduce or disseminate the article, according to the SpringerOpen copyright and license agreement.\nFor authors who are US government employees or are prevented from being copyright holders for similar reasons, BioMed Central can accommodate non-standard copyright lines. Please contact us if further information is needed.\nOpen access publishing is not without costs. Agricultural and Food Economics therefore levies an article-processing charge of £80/$125/€100 for each article accepted for publication. If the corresponding author's institution is a Member, the cost of the article-processing charge is covered by the membership, and no further charge is payable. In the case of authors whose institutions are Supporter Members, however, a discounted article-processing charge is payable by the author. We routinely waive charges for authors from low-income countries. For other countries, article-processing charge waivers or discounts are granted on a case-by-case basis to authors with insufficient funds. Authors can request a waiver or discount during the submission process. For further details, see our article-processing charge page.\nSpringerOpen is working closely with Thomson Reuters (ISI) to ensure that citation analysis of articles published in Agricultural and Food Economics will be available.\nPublication and peer review process\nAgricultural and Food Economics will publish three types of articles:\nResearch articles: Research articles are original contributions addressing relevant research questions. Key aims of research articles are to discuss new and interesting results of sound and rigorous scientific analysis and to disseminate new knowledge about the agri-food system. Research articles will be prevalent in AFE.\nReview articles: Review articles are summaries of recent insights in specific research areas within the scope of AFE. Key aims of reviews are to provide systematic and substantial coverage of mature subjects, evaluations of progress in specified areas, and/or critical assessments of emerging technologies.\nShort notes: Short articles discussing current issues of general interest in the agri-food system.\nPeer review is an essential part of the publication process in AFE. It ensures that the rigorous scientific standards are met and helps authors improving their articles. The AFE editors consider peer review as a collaborative process where editors, referees and authors cooperate to achieve excellence in scientific publications.\nAFE adopts double-blind peer review process to ensure independent assessment of the articles. Each article, with no exception, is reviewed independently by at least two referees of different nationalities. In case of divided judgment a third referee (or the editor) will be asked to decide.\nThe Editors’ choice of the referees is based on many factors, including expertise, reputation, specific recommendations and our own previous experience of a reviewer's characteristics such as reliability, timeliness and cooperative attitude. As a general rule, experts of the same nationality as the authors will not be chosen as referees.\nPeer review criteria\nReferees are called to evaluate articles according to three main criteria:\n1. Scientific soundness. Published article must meet rigorous scientific standards. The reviewers are asked explicitly to evaluate\n- that conclusions are supported by adequate (and correct) scientific evidence\n- the absence of reductionism bias\n- the original contribution to scientific knowledge\n- the consistency between the topic (problem) and the methodology\n2. Relevance. Published articles must be of interest for the food system stakeholders and consistent with the aims and scope of the journal. The reviewers are asked to assess the importance of the results, the relevance of the discussion and the problem-oriented attitude of the article.\n3.Clarity. Published articles must be well-written, concise, clear and accessible to a broad and diverse audience. Reviewers are asked to evaluate the style of the article with a special emphasis on clarity, consistency between the discussion and the methodology, and the avoiding of unnecessary complications.\nAuthors will be able to check the progress of their manuscript through the submission system at any time by logging into My Agricultural and Food Economics, a personalized section of the site.\nPortability of peer review\nIn order to support efficient and thorough peer review, we aim to reduce the number of times a manuscript is re-reviewed after rejection from Agricultural and Food Economics, thereby speeding up the publication process and reducing the burden on peer reviewers. Therefore, please note that, if a manuscript is not accepted for publication in Agricultural and Food Economics and the authors choose to submit a revised version to another SpringerOpen journal, we will pass the reviews on to the other journal's editors at the authors' request. We will reveal the reviewers' names to the handling editor for editorial purposes unless reviewers let us know when they return their report that they do not wish us to share their report with another SpringerOpen journal.\nPlease see our reprints website for information about reprinting articles.\nAgricultural and Food Economics will consider supplements based on proceedings (full articles or meeting abstracts), reviews or research. All articles submitted for publication in supplements are subject to peer review. Published supplements are fully searchable and freely accessible online and can also be produced in print. For further information, please contact us.\nAny manuscript, or substantial parts of it, submitted to the journal must not be under consideration by any other journal. In general, the manuscript should not have already been published in any journal or other citable form, although it may have been deposited on a preprint server. Authors are required to ensure that no material submitted as part of a manuscript infringes existing copyrights, or the rights of a third party.\nCorrespondence concerning articles published in Agricultural and Food Economics is encouraged. A 'post a comment' feature is available on all articles published by Agricultural and Food Economics. Comments will be moderated by the editorial office (see our Comment policy for further information) and linked to the full-text version of the article, if suitable.\nSpringerOpen is a member of the Committee on Publication Ethics (COPE). In order to safeguard the quality of SpringerOpen journal publications, Springer has developed a policy on Publishing Integrity which is in line with the philosophy of COPE.\nWe follow the principle that we have a prime duty to maintain the integrity of the scientific record. Springer’s Policy on Publishing Integrity addresses:\n- Clear definitions of what violation of Publishing Integrity is.\n- A manual on how to identify such a violation (in the document referred to as an Act of Misconduct).\n- Clear (COPE) examples of what such an Act of Misconduct looks like in practice.\n- Clearly defined actions which have to be undertaken by the Editor and Springer when such an Act is a clearly proven fact.\n- Q & A – a useful list of Questions and Answers on the definition of Publishing Integrity.\nPlease find the full document of Springer's Policy on Publishing Integrity here.\nData and materials release\nSubmission of a manuscript to Agricultural and Food Economics implies that readily reproducible materials described in the manuscript, including all relevant raw data, will be freely available to any scientist wishing to use them for non-commercial purposes.\nAny 'in press' articles cited within the references and necessary for the reviewers' assessment of the manuscript should be made available if requested by the editorial office.\nAppeals and complaints\nAuthors who wish to appeal a rejection or make a complaint should, in the first instance, contact the Editor-in-Chief who will provide details of the journal's complaints procedure.\nAgricultural and Food Economics requires authors to declare any competing financial or other interest in relation to their work. All competing interests that are declared will be listed at the end of published articles. Where an author gives no competing interests, the listing will read 'The author(s) declare that they have no competing interests'.\nAgricultural and Food Economics's publisher, SpringerOpen, is a member of the CrossCheck plagiarism detection initiative. In cases of suspected plagiarism CrossCheck is available to the editors of Agricultural and Food Economics to detect instances of overlapping and similar text in submitted manuscripts by using the plagiarism detection tool iThenticate. CrossCheck is a multi-publisher initiative allowing screening of published and submitted content for originality.\nCiting articles in Agricultural and Food Economics\nArticles in Agricultural and Food Economics should be cited in the same way as articles in a traditional journal. Because articles are not printed, they do not have page numbers; instead, they are given a unique article number.\nArticle citations follow this format:\nAuthors: Title. Agric Food Econ [year], [volume number]:[article number].\ne.g. Roberts LD, Hassall DG, Winegar DA, Haselden JN, Nicholls AW, Griffin JL: Increased hepatic oxidative metabolism distinguishes the action of Peroxisome Proliferator-Activated Receptor delta from Peroxisome Proliferator-Activated Receptor gamma in the Ob/Ob mouse. Agric Food Econ 2009, 1:115.\nrefers to article 115 from Volume 1 of the journal.\nWhy publish your article in Agricultural and Food Economics?\nAgricultural and Food Economics's open access policy allows maximum visibility of articles published in the journal as they are available to a wide, global audience. Articles that have been especially highly accessed are highlighted with a 'Highly accessed' graphic, which appears on the journal's contents pages and search results.\nSpeed of publication\nAgricultural and Food Economics offers a fast publication schedule whilst maintaining rigorous peer review; all articles must be submitted online, and peer review is managed fully electronically (articles are distributed in PDF form, which is automatically generated from the submitted files). Articles will be published with their final citation after acceptance, in both fully browsable web form, and as a formatted PDF; the article will then be available through Agricultural and Food Economics and SpringerOpen.\nOnline publication in Agricultural and Food Economics gives authors the opportunity to publish large datasets, large numbers of color illustrations and moving pictures, to display data in a form that can be read directly by other software packages so as to allow readers to manipulate the data for themselves, and to create all relevant links (for example to relevant databases and papers).\nPromotion and press coverage\nArticles published in Agricultural and Food Economics are included in article alerts and regular email updates. Some may be included in abstract books mailed to academics and are highlighted on Agricultural and Food Economics's pages and on the SpringerOpen homepage.\nIn addition, articles published in Agricultural and Food Economics may be promoted by press releases to the general or scientific press. These activities increase the exposure and number of accesses for articles published in Agricultural and Food Economics.\nAuthors of articles published in Agricultural and Food Economics retain the copyright of their articles and are free to reproduce and disseminate their work (for further details, see the copyright and license agreement.\nFor further information about the advantages of publishing in a journal from SpringerOpen, please click here.", "domain": "economics"}
+{"url": "http://premier-eye.com/what-is-the-belk-credit-card-payment-login/", "date": "2024-04-17T02:20:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817128.7/warc/CC-MAIN-20240417013540-20240417043540-00358.warc.gz", "language_score": 0.9253194332122803, "token_count": 433, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__199963016", "lang": "en", "text": "What is the Belk credit card payment login?\nBelk rewards credit card is designed to reward customers of Belk for their patronage and loyalty. This credit card is issued by Synchrony Bank and holders can utilise their Belk credit card payment login online account to offset all accrued debt on their credit card.\nBelk credit card payment login – Credit Card Application Requirement\nBefore you can create and use your Belk credit card payment login online account. You need to apply for a Belk credit card. The requirements for this CC include:\n- You must be a US citizen,\n- At least 18 years of age,\n- You must also have an SSN and valid identification.\nApplication for a Belk credit card is simple and only requires you to fill out an application form. To apply for this CC click here and when on this page, scroll down to where the link – “Apply Now” can be seen. Click on this link then click on another link titled – “Continue to Belk Credit” to fill out the application form.\nBelk credit card payment login – Registration and Activation of Credit Card\nTo register your credit card, you will need to go to the Belk credit card online account here. You then click the widget titled “Create an Account”. Provide your full name, email address user password then click the widget labelled “Create Account”. Once you have created a Belk credit card online account you will be able to proceed to Belk credit card payment login where you can settle your accrued debt with consummate ease. To log in, you will need to provide your both your User ID and secure password that you created during the registration and activation process.\nBelk credit card payment login – Discount offer\nWhenever you use the Belk credit card to purchase any item at Belk retail stores in the US or online at Belk.com. You will receive a discount offer of 3 per cent on all purchases. With the Belk credit card, you will be able to save money in both the short and long run.", "domain": "economics"}
+{"url": "https://www.walshgroup.com/news/2016/lewisandclarkbridgeeastendcrossingopentotraffic.html", "date": "2022-10-07T23:02:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030338280.51/warc/CC-MAIN-20221007210452-20221008000452-00531.warc.gz", "language_score": 0.9422822594642639, "token_count": 1199, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__96741739", "lang": "en", "text": "Lewis and Clark Bridge, East End Crossing Open to Traffic\nThe East End Crossing opened to traffic Sunday, December 18, marking the completion of the Louisville-Southern Indiana Ohio River Bridges project.\nIndiana Lt. Governor and Governor-elect Eric Holcomb announced the newly named Lewis and Clark Bridge by executive order of Vice President-elect Governor Mike Pence at a ribbon-cutting ceremony on the Indiana approach of the new bridge.\nFollowing the ribbon cutting, Holcomb and other speakers were loaded into two Ford vehicles built at the nearby Kentucky Truck Plant in East Louisville to ceremonially cross the bridge for the first time. Project officials followed state leaders in Transit Authority of River City buses.\nThe long-anticipated 8 ½ miles of new roadway connects the eastern edge of suburban Louisville and an area just east of Jeffersonville, Ind. with its centerpiece 2,500-foot cable-stay bridge reaching across the Ohio River.\nHolcomb said Indiana’s innovative public-private partnership helped take the East End Crossing from wish to reality.\n“After decades of discussion and stalled progress, many people thought we’d never see this moment,” Holcomb said. “Now, communities on both sides of the Ohio River will reap the benefit of improved, safe interstate access.”\nKentucky Governor Matt Bevin applauded today’s accomplishment and the joint effort needed to make it happen.\n“This crowning achievement, forty years in the making, just goes to show what we can accomplish when we work together towards a common goal,” Bevin said. “Without our partners, including the state of Indiana, Walsh Construction, WVB East End Partners and an outstanding labor force, among others, the completion of this project would not have been possible. We are grateful for all who came together as an enthusiastic community to improve economic opportunity and improve mobility for everyone travelling through this region.”\nRob Morphonios, WVB East End Partners project director, said the project team attracted hundreds of locals and those from other parts of the country and the world, himself included.\n“Everyone brought certain skills or areas of expertise and worked together and look at what they’ve done,” Morphonios said. “The success here shows what can be achieved when you have a lot of different people, with different backgrounds, and different ideas and skills to offer. When they all work together, they can accomplish amazing things.”\nMatt Walsh, co-chairman of the Walsh Group, credited the strength of cooperation between the state of Indiana and the construction group.\n“The success of this project is the result of a shared vision from state officials, community members, and the hundreds of men and women who have worked so safely and tirelessly over the past three years,” Walsh said. “This project serves as a model for what can be accomplished in the rebuilding of America’s infrastructure.”\nMore than 3.3 million man-hours on this project were elapsed by Walsh Vinci Construction over the project’s three year construction.\n\"Southern Indiana and the Louisville area has needed this new bridge for years,\" said Deputy Federal Highway Administrator David Kim. \"By reducing congestion, the East End Crossing and its massive partner downtown will improve traffic safety, reduce traffic congestion and dramatically increase the region’s role in the nation’s freight economy.\"\nThe 500 vehicles making up the public caravan followed state and community leaders and the KILROY chapter of the Military Vehicle Preservation Association. These participants signed up online last week to be part of the first to drive the new road. These spots were filled in less than three minutes. Drivers arrived at a closed-off section of the newly completed Indiana 265 to be escorted by police southbound on Indiana 265 toward the Lewis and Clark Bridge.\nParticipants in the police-escorted caravan received antique silver commemorative medallions with an etching of the new Lewis and Clark Bridge. The medallions act as the second in a “matching set” created for the Ohio River Bridges project. The first of the commemorative set was created for the December 2015 opening of the Lincoln Bridge, a six-lane bridge carrying I-65 northbound traffic across the river from downtown Louisville to Jeffersonville.\nAbout the Project\nSubstantial completion of the East End Crossing will provide several significant benefits to the Louisville and Southern Indiana area – including convenient access for residents commuting between eastern Jefferson County and Southern Indiana. And for travelers passing through the Louisville area from the north or the south, the East End Crossing will be an alternate – and very accessible – route that bypasses the urban traffic of downtown Louisville.\nThe Kentucky approach to the new bridge extends Kentucky 841 (the Gene Snyder Freeway) from its previous termination at U.S. 42, adding a new four-lane (two northbound, two southbound) 1.4-mile section. This section includes a pair of 1,700-foot tunnels that carry Kentucky 841 traffic beneath U.S. 42 and the historic Drumanard estate. The Indiana approach, also four lanes, extends Indiana 265 (the Lee Hamilton Highway) four miles to the Ohio River from its previous termination at Indiana 62.\nThe bridge features two diamond towers rising 300 feet above the river, with 104 stay cables. It also includes a shared-use path over the Ohio River for pedestrians and bicyclists accessed from Old Salem Road in Indiana.\nConstruction of the East End Crossing commenced in June 2013. The East End Crossing is part of the $2.3 billion Louisville-Southern Indiana Ohio River Bridges Project, which also includes the construction of the Lincoln Bridge. A study commissioned by the Indiana Finance Authority estimated the project will support 15,000 new jobs over the next 30 years and generate an additional $87 billion for the regional economy.", "domain": "economics"}
+{"url": "http://www.my-benovation.com/Site/1452892543/employers.asp?ri=8", "date": "2019-04-26T00:24:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578743307.87/warc/CC-MAIN-20190425233736-20190426015736-00221.warc.gz", "language_score": 0.9474799633026123, "token_count": 847, "dump": "CC-MAIN-2019-18", "global_id": "webtext-fineweb__CC-MAIN-2019-18__0__22685543", "lang": "en", "text": "To access your FSA and Basic HRA plans Click Here\nMake a Plan\nIt’s no secret that providing healthcare to employees & their families is an expensive proposition. For most businesses, healthcare expenses rank at or near the top of corporate expense statements. Employers and employees are paying more for healthcare, and often feel that they are getting less. Businesses without a long term strategic plan for how to deliver efficient, high quality, and cost effective healthcare to their workforce will continue to fight a steep, uphill battle to control expenses and may ultimately find themselves at a competitive disadvantage.\nOur goal is to help our clients develop a Plan to maximize the value of the healthcare they are providing to their workforce. Those Plans must:\n1) Reflect and support the organizations’ culture;\n2) reduce the risks faced by the Plan; and\n3) control costs.\nWe help our clients chart a course, and subsequently help them track their progress. Most importantly, we help them design and deliver the benefits THEY want to offer, with coverage THEIR employees find beneficial.\nFor a list of services, click here\nWellness as a Strategy\nTraditional healthcare Plans focus on treating people once they’ve become sick. Very important, certainly – but it’s also very expensive. It’s like never changing the oil in your brand new car and hoping nothing goes wrong – and paying to replace the engine when it does. Simple (and comparatively inexpensive) preventive maintenance can keep the lid on costs – just like keeping your employees healthy can result in reduced healthcare Plan costs.\nHypertension, Diabetes, High Cholesterol, Smoking, alcohol & other substance abuse, obesity – all contribute to inflated healthcare costs. Nearly all are preventable. The Wellness Councils of America estimate that preventable illness comprise approximately 70% of our nation’s healthcare spending. That’s $70 out of each $100 that your Plan could avoid spending. We call that opportunity.\nOur clients have access to best in class, customized wellness programs at preferred rates. We help them develop a program designed to improve the overall health of their company leading to reduced absences, increased productivity, and lower workers compensation and healthcare costs. Our plans are designed to get everyone involved – participation rates are typically in excess of 75%. Our programs are web-based, mobile optimized, engaging, rewarding – and most of all, fun. Research indicates that well executed wellness programs can reduce healthcare cost trends by up to 10% - That’s a trend worthy of investment.\nYou can’t improve what you don’t measure. Employers need easy access to useable information. For too long Plan administrators have been asked to make critical decisions about their healthcare offering with little or no information about how their employees actually use the benefits being offered. Decision makers are forced to accept massive premium increases without explanation. We’ve made it our mission to change the game: We’re putting the power of information in the right hands. With a simple point and click, our clients and their broker partners can view Plan performance, track administrative expenses, verify fixed costs, identify which benefits your employees value – and what emerging trends need to be addressed.\nQuality Care, at the Right Place, from the Right Provider. We work with companies to engage their workforce. Employees must believe that they hold the future of their healthcare (premium) costs in their hands. Our mission is to help our clients implement programs that encourage employees to become smarter consumers of healthcare. We offer best in class transparency solutions for prescription, medical, and dental benefits that put real savings opportunities in the hands of employees and their families via text message or email. We use Plan design to encourage employees to use preferred services or vendors for dialysis and ancillary care. We’ve partnered with Teladoc® to provide 24/7 access to Board Certified physicians – reducing the need for Plan participants to sit in Emergency Room waiting rooms (or miss work to wait in their Doctor’s office). It’s about education and helping people get to the right place, for the right care, at the right cost.", "domain": "economics"}
+{"url": "https://staydryfl.com/what-you-need-to-know-about-your-roof-and-home-value/", "date": "2024-02-23T01:19:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473871.23/warc/CC-MAIN-20240222225655-20240223015655-00507.warc.gz", "language_score": 0.9654260277748108, "token_count": 808, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__19457938", "lang": "en", "text": "Does a roof impact the value of your home?\nYes! Having a quality roof significantly increases the value of your home. When buyers see that a home has a brand new roof, they know they can rest easy for the next twenty or more years. And while you don’t need to always put a new roof on your home, ensuring that your roof is well maintained and repaired will also give you a great return on investment. One of the biggest things that turns home buyers away from a potential property is knowing they have extensive roof repair or replacement costs coming their way. So if you’re looking to sell your home quickly and for top dollar in Tampa, FL, roof repair or replacement is one of the first steps you should take.\nUp to 60% return on investment\nYour roof, whether you repair or replace it, gives most homeowners a great return on investment versus most other home improvements. Replacing your roof can give you up to 68% return on investment! This means that the cost you put in when replacing the roof is mostly returned in the sale of the home—even if it’s a few years after the roof was installed! The same is true if you invest in just roof repair to get your roof in an ideal condition. While many homeowners are afraid to put on a new roof if they just know they are going to sell soon, you can rest at ease knowing that the majority of your cost can be returned on the sale.\nChoosing the best material for your roof\nWhen it comes to replacing or repairing your roof, choosing the right material can both increase value and still be cost effective. At Stay Dry Roofing, we are proud to offer homeowners GAF shingles, which not only provide superior protection, but also give incredible warranties. As GAF Master Elite Contractors, we are one of the few contractors in the nation that have the proper training, insurance, and commitment to excellence that qualifies us to offer this solution.\nBut if having a great roofing system and warranty is not something that concerns you for a sale, many home buyers find metal roofs to be most desireable. Metal roofs often look attractive, are durable enough to last for many years, and sturdy enough that things like solar panels are easy to attach. This gives new home buyers peace of mind and flexibility on their future improvements. However, a metal roof is a significant cost investment towards you, the homeowner. Many times it is better to put on a GAF shingle roof if you are planning to sell the home soon.\nWhen is roof repair the best option?\nFor most homeowners looking to sell their house, simply repairing their roof can be all that is necessary to help sell the house. While nothing looks better on a listing than “new roof,” investing in that can often cut into your future sales profit (even if you do get over 60% return on investment). Simply repairing cracked roof tiles, missing shingles, or a sagging roof can significantly improve the sale of your home. A good looking roof can also make your home sell faster too! Your roof offers great curb appeal, so making sure it looks its best will help home buyers get a good feeling about your home.\nChoose stay dry roofing for your roofing needs\nStay Dry Roofing is the leading roofing expert in Tampa, FL for both roof repair and replacement. Our team has been serving the Tampa Bay area for over 30 years, and our family owned and operated business is well-known for its friendly attitude and honest estimates. Our team is also proud to be one of the top 2% of all roofing contractors that are considered a GAF Master Elite Contractor, thanks to our dedication to excellence, licensing and insurance, as well as training for our teams. If you are interested in selling your home but need to consult with a roofing expert first, our team at Stay Dry Roofing would be happy to assist you! GIve us a call today!", "domain": "economics"}
+{"url": "https://www.glowinthedarksoftware.com/StoreInfo.php", "date": "2017-12-16T16:26:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948588294.67/warc/CC-MAIN-20171216162441-20171216184441-00530.warc.gz", "language_score": 0.9408193230628967, "token_count": 805, "dump": "CC-MAIN-2017-51", "global_id": "webtext-fineweb__CC-MAIN-2017-51__0__71342089", "lang": "en", "text": "All prices displayed on the website are in US dollars (USD) unless otherwise stated.\nThe prices for goods and services and shipping charges are subject to change without notice. Shipping and Handling charges may or may not equal the actual shipping cost paid by Glow in the Dark Software, LLC. Shipping charges are not included in the display prices for goods and services, but are included during the checkout process.\nPurchases totaling 35 USD or more, exclusive of shipping and handling, are eligible for free standard shipping.\nFor products that require shipping, Glow in the Dark Software, LLC will ship your order to anywhere in the United States. Glow in the Dark Software, LLC does not ship outside the United States. Orders to Alaska and Hawaii make take longer than quoted elsewhere.\nMost products are shipped with USPS via regular ground, Priority Mail or Media Mail. Tracking information may or may not be provided. Orders with shipping addresses in close proximity to Glow in the Dark Software, LLC may be delivered directly by an employee of Glow in the Dark Software, LLC.\nYou are responsible for entering the correct shipping address. Glow in the Dark Software, LLC is not responsible for goods shipped to an incorrect or invalid address that is provided by the customer.\nHandling time is usually less than one business day, but this is not guaranteed.\nAll shipping and handling times are approximate and can be affected by a variety of occurrences including but not limited to:\nYou may, for a period of 30 days after purchase, return physical media for a replacement or refund. Returned items may be subject to a restock fee. Restock fees are subject to change without notice. A valid order confirmation number dated less than 30 days old is required to obtain a refund or replacement.\nPurchases of downloadable products are non-returnable and non-refundable.\nPlease contact Glow in the Dark Software via our support page to arrange for a refund or replacement.\nGlow in the Dark Software, LLC is based in the State of Georgia. As such, all Georgia customers are subject to state and local sales tax. Georgia additionally requires sales tax to be collected on shipping. We are sorry for the inconvenience.\nYou may still owe sales tax, even if it is not collected from you. You are responsible for paying uncollected sales tax. Contact your local sales tax authority for more information.\nSales Tax is not included in the display prices for goods and services, but are included, if applicable, during the checkout process.\nIf you are a tax exempt customer, please call us TOLL-FREE at 1-866-838-3251 to place your order. Please have your tax exemption information with you when you call.\nYou may only provide us with credit card information that you are authorized to use. By providing payment information you certify to us that you are authorized to use the information and that all credit card information you provide is accurate and up to date.\nAll payment processing is provided by PayPal Inc. Your use of the websites e-commerce features is additionally subject to PayPal Incs Terms of Service.\nGlow in the Dark Software is not responsible for internet connection fees incurred from using the website or any goods or services provided through the website, including but not limited to fees from: Internet Service Providers, cellular data providers, and telephone providers.\nGlow in the Dark Software protects your credit card and personal information with an SSL certificate validated by Comodo CA Limited. Additionally Cashie Commerce the provider of our shopping cart software and PayPal also use SSL to encrypt all transaction data.\nAll software programs sold by Glow in the Dark Software are subject to licensing terms. The license agreement for a particular program is presented to you (the end-user) during installation. By installing the program you are agreeing to the terms and conditions presented to you during installation. Additionally, software programs may require a security key to be entered during installation. This key is provided after the program is purchased.", "domain": "economics"}
+{"url": "http://en.arenda-a.com/", "date": "2017-10-20T19:43:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187824325.29/warc/CC-MAIN-20171020192317-20171020212317-00717.warc.gz", "language_score": 0.960274875164032, "token_count": 230, "dump": "CC-MAIN-2017-43", "global_id": "webtext-fineweb__CC-MAIN-2017-43__0__232146666", "lang": "en", "text": "“Arenda Avto” company offers a wide variety of cars for rent: luxury, minivan, economy, family size cars for rent. Our company provides excellent chauffeur service for car rental services in Moscow, Russia. Our car rental gives you quality and comfort unmatched by any other. Whether on holiday or business we can provide short term or long term car rental to suit you.\n\"Arenda Avto\" company operates a large rental fleet in Moscow, Russia, and as such, we are able to meet virtually any vehicle requirement you might have. We will provide you with the newest and most upgraded fleet of cars, from economy vehicles to full-sized sedans, luxury cars (such as BMW and Maybach). We are specialists in providing long term car rental solutions to both business and private users for negotiable rates. Whatever car is needed, \"AA\" is the one company who can consistently deliver.\nOur company is a member of the Association of car rental companies. We have teamed up to create a civilized market of transport services in Russia. Together, we are ready to protect consumers from unscrupulous businessmen.", "domain": "economics"}
+{"url": "http://soundfirsthomebuyers.com/", "date": "2019-05-22T22:00:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232256958.53/warc/CC-MAIN-20190522203319-20190522225319-00235.warc.gz", "language_score": 0.9441685676574707, "token_count": 683, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__145340727", "lang": "en", "text": "Trust Sound First Property Investments\nFirstly, we know property investing:\nWe have a diverse list of properties available for potential investors and are always finding new inventory.\nSecondly, we accompany you:\nIf you would like to visit one of our properties, we will accompany you and provide on site-expertise.\nThirdly, we close the deal:\nWe are focused, dedicated, and will do what needs to be done in order to get the deal closed for both property investors or sellers.\nSell Your Distressed Property To Us!\nDo you own an ugly house and want to get rid of it? Sound First Property Investments will buy your distressed property. Come to us to sell your distressed property quickly.\nWe can buy all kinds of distressed properties, including:\n- Single family\n- Vacant homes\n- Rental properties\nOur goal is to beautify the communities we serve by helping property owners get out of challenging real estate situations by buying their distressed property.\nMost of the ugly houses we buy are then transformed into great investments. The knowledge and experience of our team enables us to uniquely reposition distressed property in the market. So, basically we specialize in taking an ugly house that no one wants and turning it into a beautiful house that everyone wants.\nWe Will Buy Your Ugly House!\nWe pride ourselves on helping property owners get rid of ugly houses fast. We have extensive experience in buying distressed properties. No matter the condition of your property, we will buy it. No repairs, upgrades or renovations are required. No need to arrange an open house.\nThere are many benefits to choosing us to sell your ugly house, including:\n- The ability to close quickly\n- The opportunity to sell your house as it is\n- Getting a fair purchase price\nSo, if you are looking to sell a distressed property, we would happy to discuss your needs.\nWe Offer Fixer Upper Homes For Investors\nWe have fixer upper homes for investors who are looking to expand their real estate investment portfolios for maximum returns. Fixer upper homes can actually bring great benefits aside from lower asking prices.\nFixer upper homes can be found in all shapes and sizes. Investors get an opportunity to renovate on their own terms rather than paying extensively for a perfect or newer home and then getting their own custom renovations made later.\nIf you are looking for investment properties that you can fix and rent out or resell, we have got you covered. When it comes to buying fixer upper homes, we can help you find out where to get the best bang for your buck. We work with your best interests at heart. Our entire team is committed to carefully listening to your needs and helping you achieve your real estate goals.\nMore reasons to choose us include our:\n- Friendly, knowledgeable staff\n- Honest recommendations\n- Great customer service\nLooking for a fixer upper home? Let us help! Feel free to call Sound First Property Investments at (253) 273-7443 to discuss your needs. We cannot wait to speak to you!\nHave you inherited a property and are looking to sell? Are you looking to convert your distressed property into cash?\nWe are experts\nin locating great properties that are fantastic investment opportunities!\nWhether you are looking to sell a home or invest in one, Sound First Property Investments has you covered!", "domain": "economics"}
+{"url": "http://www.pinnacleag.com/our-brands/agventure-pinnacle/", "date": "2018-03-25T05:20:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-13/segments/1521257651820.82/warc/CC-MAIN-20180325044627-20180325064627-00435.warc.gz", "language_score": 0.939143717288971, "token_count": 432, "dump": "CC-MAIN-2018-13", "global_id": "webtext-fineweb__CC-MAIN-2018-13__0__18083446", "lang": "en", "text": "We are a premier provider of AgVenture® top quality seed, as well as unmatched fertilizer and crop protection chemical products. We couple these product offerings with professional, season-long support that helps customers increase yields, lower cost per bushel, and improve profitability.\nIn addition to a successful crop protection and fertilizer history, Pinnacle is backed by more than six decades of successful seed testing, production, sales, and management. Likewise, AgVenture is a long-standing, nationally recognized seed company with a localized focus. We are now aligned as AgVenture Pinnacle, combining knowledge, talent, and expertise to ensure that your farm reaches maximum profits and that you have the products and tools to make it happen.\nAgVenture Pinnacle’s focus is on your farm and getting the most production and profit out of every acre planted. We don’t believe in selling you a bag of seed, a load of fertilizer, or a case of chemical and then waiting until next season to contact you again. We stick around. We provide you with the tools you need to get the most out of your crop, and we’re relentlessly dedicated to making sure your farm is achieving maximum profit. We wouldn’t have it any other way.\nAgVenture Pinnacle takes a dedicated approach through committed relationships with our farmers to help you achieve higher yield goals and sustained, long-term profitability. What works for the farm down the road may not work for you. That’s why we help you choose the appropriate crop input products for each acre to maximize your profits. Our AgVenture® Yield Specialists and agronomists work with you before planting and beyond harvest to ensure that you achieve the most return on your investment.\nAs our partner, you will have access to elite genetics, the latest technology, and the highest performing seed lines from AgVenture, not to mention the finest quality fertilizer and crop protection chemical products and adjuvants. And like you, we are farmers, so we’re not afraid of getting our hands dirty and working hard to help you exceed your goals.", "domain": "economics"}
+{"url": "http://shaterpour.com/", "date": "2020-04-02T14:37:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370506988.10/warc/CC-MAIN-20200402143006-20200402173006-00218.warc.gz", "language_score": 0.9278504252433777, "token_count": 392, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__74785051", "lang": "en", "text": "Get In Touch\n- email: Ebrahim@shaterpour.com\n- phone number: +982155622933\n- cell phone: +989121005294\n- address: Add : no :21 . Building bazaar farsh iran . Khayyam st . Tehran . Iran\nHand-knotted Persian carpet has been in the spotlight recently due to its significant role in entrepreneurship, earning revenue for the country, Iran, and the presentation of the art, taste and elegance of our weavers to the world.\nSo the key secret of perdurability of carpet weaving in Iran during recent centuries is that our professional weavers mix elegance and proficiency create a precious carpet and they also mix the warp and woof of their lives with what they are weaving to create a masterpiece and to display the Iranian`s art.\nTherefore, it is appreciating to strive to revive the classic and traditional carpet patterns in the province and the country , with the hope of researches to be done on the recognition of value and worthiness, the preservation of artistic values, and the clarification of vast economic and social dimensions of Persian carpet in order to help the carpet artists and people in charge keep the values of hand-woven Persian carpet with noble Persian designs and patterns and also struggle with difficulties of production and export of carpet.\nWe are hopeful that this effort results in the improvement of the quality of handmade Persian carpet.\nShatter pour Carpet Company has the forty-year experience of production and export of hand-knotted carpet, and is located at Grand Bazzar, Tehran. The company exports different classifications of carpet including: Sanandaj, Tabriz, Qom, Isfahan, Kashan, etc to the United States of America, Germany, China and some other countries. Currently, the product of the company is Sanandaj carpet known as Kurdish Senneh rug with best quality.", "domain": "economics"}
+{"url": "http://www.macc.co.jp/about_us/message_from_managing_partner.html", "date": "2020-04-02T04:06:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370506580.20/warc/CC-MAIN-20200402014600-20200402044600-00023.warc.gz", "language_score": 0.9703591465950012, "token_count": 222, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__30917204", "lang": "en", "text": "MACC was founded in 1984 by a group of Western and Japanese business executives then employed in senior positions within American and European corporations in Japan, and Japanese companies in the West. In addition to many years spent in Japan, MACC's directors and consultants have lived and worked in countries which include the USA, the UK, Germany, France, Canada, Australia and China. They have had successful careers in, and extensive experiences of, businesses as diverse as: Japanese & non-Japanese language training and cultural education, financial services, marketing, human resources, energy, plant & machinery, rolling stock, construction & civil engineering, consumer durables, pharmaceuticals, consumer goods, logistics, etc.\nMore than 1,000 corporate clients in over 50 industries and from over 30 countries, including those listed in Fortune 500 or Forbes 2000, have enjoyed our professional services over the past 30+ years.\nAll this has been made possible with our most valuable assets: qualified and dedicated training and administrative staff.\nMACC operates for the financial/operational benefits of our clients in pursuit of everlasting happiness of our people.", "domain": "economics"}
+{"url": "http://www.auriclemedia.com/", "date": "2014-08-22T15:42:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-35/segments/1408500824209.82/warc/CC-MAIN-20140820021344-00361-ip-10-180-136-8.ec2.internal.warc.gz", "language_score": 0.9197784662246704, "token_count": 227, "dump": "CC-MAIN-2014-35", "global_id": "webtext-fineweb__CC-MAIN-2014-35__0__214016175", "lang": "en", "text": "What is COO?\nCommunities of Opportunity (COO) is a new system launched by the city of San Francisco, residents of the southeast corner of the city, and philanthropic organizations to fundamentally change the way these three groups work together to transform a neighborhood.\nCOO is about radical ideas to leverage long standing systems of social services and bring in new proven or promising practices to revitalize four corners of the city that have been long neglected. Leveraging over $1 billion in economic catalysts, COO will help change the community in a way that helps residents.\nCOO is a covenant for the city and nonprofits to be accountable for outcomes, and for the residents to be accountable for participating and holding the city to its promises.\nWarning: COO is not your typical initiative, it is about real life and its interconnected pathways for change that can only be understood in relation to each other. Come explore how change starts here.\n|© 2008 Communites of Opportunity, One South Van Ness, San Francisco CA 94103. (415) 701-5554. Last updated 7/1/08.|", "domain": "economics"}
+{"url": "http://www.swishappeal.com/2012/9/13/3327746/the-best-team-youve-never-seen", "date": "2013-06-19T04:14:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368707187122/warc/CC-MAIN-20130516122627-00007-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9865732789039612, "token_count": 193, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__55848041", "lang": "en", "text": "When Loeffler and Brock decided to join Betty as owners, the Dream were every bit as big a gamble. In three years, they had never turned a profit. Overall attendance, despite the team’s success, had declined by 25 percent. But when she looked closer and set aside comp tickets, Loeffler saw that ticket sales were actually increasing. Even when the team lowered ticket prices for the 2011 season, revenues continued to grow as total attendance ticked up for the first time in the Dream’s history. And national TV viewership on ESPN2 was also trending up, with the WNBA five years into an eight-year deal with ABC, ESPN, and ESPN2—the first-ever agreement that paid rights fees to the teams in a U.S. women’s professional sports league rather than requiring the teams to pay for coverage. A very good article on the state of the Atlanta Dream. Worth a read.", "domain": "economics"}
+{"url": "https://parachutebonus.com/what-is-rtp/", "date": "2019-03-25T11:42:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912203947.59/warc/CC-MAIN-20190325112917-20190325134917-00345.warc.gz", "language_score": 0.9786646962165833, "token_count": 224, "dump": "CC-MAIN-2019-13", "global_id": "webtext-fineweb__CC-MAIN-2019-13__0__89351272", "lang": "en", "text": "RTP (Return to Player)\nReturn to Player is abbreviated as RTP. This is shown in the form of a percentage and shows how much a certain slot or game pays out over a long period of time. This percentage shows a player how much of an edge a casino has over the player. Typically most slot machines will have a RTP between 94% and 99%.\nRTP is calculated by the following formula:\nRTP = (Total paid to players) / (Total spent by players)\nSo in theory if a slot game has a RTP of 95% and the players spent a total of £1,000. This slot machine will pay out £950. Leaving the casino with £50 profit. It’s important to note that RTP is based on every player playing the same slot, and is calculated over thousands of spins and a long period of time.\nThis percentage does not indicate that a player will get 95% back from every session of the game. And sometimes a player will win over the RTP, meaning that they have profited from the game.", "domain": "economics"}
+{"url": "https://vwclub.org/2021/01/cyberseat/vwoa-reports-2020-sales-vw-ends-e-golf-production/", "date": "2023-09-23T17:39:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506528.19/warc/CC-MAIN-20230923162848-20230923192848-00261.warc.gz", "language_score": 0.9693140983581543, "token_count": 254, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__111475282", "lang": "en", "text": "VW closed 2020 with a modest sales surge—beating overall industry trends likely due to demand for its SUVs. VW of America says its 2020 U.S. sales were 325,784 (-10%). While full-year sales were off, VW reports an uptick in deliveries during the fourth quarter and December. The respective numbers are 94,330 (+11%) and 38,422 (+38%)—the best Q4 since 2014; the best December since 2012.\nVW’s top selling 2020 models were SUVs: Tiguan (100,687) and Atlas family (87,362). Jetta sedan sales were 82,662.\ne-Golf Production Ends\nDec. 24, 2020: The e-Golf’s chapter as VW’s first major move into battery electric vehicles ended last month. The final one built rolled off the assembly line just before Christmas. Since 2014, VW built 145,561 of them at its Dresden factory. The e-Golf, despite its modest range, proved an EV favorite in Europe.\nCanceling the e-Golf is a gift of sorts. It lets VW retool the Dresden facility to build its MEB long-range BEVs such as the ID.3", "domain": "economics"}
+{"url": "https://prestigecleaninginc.com/rebate-agreement-funds/", "date": "2024-04-25T13:52:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712297295329.99/warc/CC-MAIN-20240425130216-20240425160216-00764.warc.gz", "language_score": 0.9452452659606934, "token_count": 383, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__71325624", "lang": "en", "text": "As a business owner, you`ve likely come across rebate agreements at some point in your career. Essentially, rebate agreements are contracts between two parties that allow for the payment of rebates or discounts based on certain criteria being met.\nOne key aspect of rebate agreements is the use of rebate agreement funds. These funds are set aside by the company offering the rebate and are used to pay out the rebates to the customers who meet the agreed-upon criteria.\nThe use of rebate agreement funds can be an effective way for a company to incentivize customers to purchase their products or services. By offering rebates or discounts, businesses can attract new customers or encourage existing ones to make additional purchases.\nHowever, it`s important for companies to properly manage their rebate agreement funds. If not managed correctly, rebate funds can become a liability and lead to financial losses. This is where a thorough understanding of rebate agreement terms and the use of technology tools can come in handy.\nTo effectively manage rebate agreement funds, businesses should consider using a rebate management software platform. This type of software can help businesses keep track of rebate agreement terms, ensure that funds are being dispersed appropriately, and provide detailed reporting on rebate program performance.\nIt`s also important to establish clear guidelines for rebate agreement funds from the outset. For example, businesses should determine how much money will be set aside for rebates, what criteria must be met in order to qualify for a rebate, and how rebates will be paid out.\nIn conclusion, rebate agreement funds can be a valuable tool for businesses looking to incentivize customers and increase sales. However, it`s crucial for businesses to properly manage these funds in order to avoid financial losses and ensure that rebates are being paid out appropriately. By utilizing rebate management software and establishing clear guidelines for rebate agreements, companies can effectively manage rebate agreement funds and reap the benefits of this powerful business strategy.", "domain": "economics"}
+{"url": "http://it-epc.co.uk/the-law.php", "date": "2013-05-18T13:01:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368696382396/warc/CC-MAIN-20130516092622-00034-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9432131052017212, "token_count": 549, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__100843991", "lang": "en", "text": "Energy Performance Certificates (EPCs) present a building's energy efficiency in the form of an 'asset rating'. This is similar to the system used to rate white goods, such as fridges and washing machines.\nYou must commission an EPC if you sell, rent out, construct or refurbish most buildings. EPCs are not required for buildings that are not normally considered as homes, such as:\n- places of worship\n- temporary buildings with a planned period of use of less than two years\n- buildings using low amounts of energy, eg barns\n- certain homes which are to be demolished\nWhen domestic properties are marketed for sale, the EPC forms a compulsory element of the Home Information Pack (HIP). The EPC must be made available free of charge when the property is marketed for sale.\nEnergy Performance Certificates (EPCs) are issued by energy assessors belonging to a government approved accreditation scheme. EPCs quantify a building's calculated potential energy performance in the form of an 'asset rating', which is presented in a form similar to the system used to rate white goods - such as fridges and washing machines.\nIf you are buying or renting business premises, looking at EPCs enables you to consider energy efficiency and potential energy costs.\nProspective buyers or tenants must receive an EPC before they buy from a seller, let or sublet. Owners of newly built or refurbished business property must receive an EPC before they accept a property from a builder.\nEPCs are needed for buildings with multiple tenancies and let for different uses, with a mixture of retail, office and/or residential accommodation.\nEPCs are not needed for:\n- lease renewals or extensions\n- compulsory purchase orders\n- sales of shares in a company where buildings remain in company ownership\n- lease surrenders\n- temporary buildings with a planned time of use less than two years\n- standalone buildings with a total useful floor area of less than 50 metres squared that are not dwellings\n- industrial sites, workshops and non-residential agricultural buildings with low energy demand\nSelling or letting an existing business property\nFor the sale or rent of an existing property, it is the owner or landlord who is responsible for providing an EPC to any prospective buyer or tenant. This should be done no later than the day on which a viewing is carried out, or written information is provided about the premises. An EPC must be provided when a contract to sell or let premises is arranged - at the very latest.\nExisting occupiers and tenants will not require an EPC unless they sell, assign or sublet their interest.", "domain": "economics"}
+{"url": "https://www.ausbiotechinvestment.com.au/programme", "date": "2019-09-21T23:19:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514574710.66/warc/CC-MAIN-20190921231814-20190922013814-00451.warc.gz", "language_score": 0.9485598802566528, "token_count": 903, "dump": "CC-MAIN-2019-39", "global_id": "webtext-fineweb__CC-MAIN-2019-39__0__128802282", "lang": "en", "text": "An exciting development this year has the investment event being held on-site with the AusBiotech national conference, and will feature a full-day programme of impressive keynote speakers as well as up to 28 company presentations, showcasing the potential of life science companies to an anticipated 400 investors and global pharmaceutical companies.\nFurther presenting companies will be added to the programme in coming weeks.\nKarimah Es Sabar, Chief Executive Officer & Partner, Quark Ventures Inc., Canada\nA highly-recognised Canadian life sciences leader with broad global experience, Karimah Es Sabar has had a successful career spanning multi-national pharmaceutical, biotechnology companies, start-up, not-for-profit organisations and venture investment firm. Ms Es Sabar will share her knowledge with attendees at the investment meeting on the Canadian biotech market, VC landscape and development of Quark Venture's life sciences fund with China’s GF Securities a leading investment bank, which is among the largest of its kind in the country. The fund is diversified to invest globally in disruptive pre-clinical platforms, clinical stage companies, IPOs and publicly traded companies in therapeutics, vaccines, medical devices, health IT, health AI and novel emerging convergent technologies.\nPrior to Quark Ventures, Ms Es Sabar was President and CEO of the Canada's Centre for Drug Research and Development (CDRD), and responsible for developing and executing on the overall strategic direction of the organisation. During her time at CDRD, Ms Es Sabar enabled new public and private sector funding in excess of $180M, multiple commercial transactions including six spin out companies and an M&A, and grew the organisation with expanded national and international reach to include partnerships right across Canada, and in 12 countries on five continents – firmly establishing its reputation as one of the world’s leading pre-clinical translational research and commercialisation centres.\nNiels Emmerich, Ph.D, Vice President, Global Head Search & Evaluation, AbbVie\nAfter joining in 2011 Niels has held several positions at AbbVie, including Global Commercial Leader for a late-stage oncology program, Director and Head of Commercial Business Development for Oncology, Senior Director and Head of Search and Evaluation, Oncology, and most recently Vice President and Global Head of Search and Evaluation. Transactions that Niels was involved in include acquisitions (Pharmacyclics, Stemcentrx), R&D collaborations and license agreements (Argen-X, CALIBR, CytomX, Dong-A-ST, Harpoon, M2Gen, MD Anderson PureMHC, Turnstone, X-Chem) and venture investments. Prior to joining AbbVie Niels was CEO of BioPheresis, co-founder and COO of immatics, and working for McKinsey & Company. Niels attended University of Tuebingen and received a Master’s in Biology and a Ph.D. in Immunology.\nDr Patrik Frei, founder & CEO, Venture Valuation AG, Switzerland\nDr Patrik Frei is founder and CEO of Venture Valuation AG, Switzerland. He started the company in 1999 when he noticed a need for independent valuation services in high growth industries during a collaboration with Novartis Venture Fund, which became his first client. Since then he has been involved in over 450 valuations for investors as well as biotech, Pharma and medtech companies. Patrik graduated from the Business University of St. Gallen and completed his Ph.D thesis (”Assessment and valuation of high growth companies”) at the Swiss Federal Institute of Technology, EPFL Lausanne. Patrik was a board member and one of the original founders of Ineo, a holding company of the Swiss dental implant VC-backed firm Thommen Medical and also the Chairman of Ophthalmopharma, a Swiss based biotech ophthalmology company, where he successfully out-licensed a portfolio of 4 products. Furthermore, Patrik was member of the board of Aventron AG (AVEN:Berne) a publicly quoted cleantech company, which raised over USD 160m during his time as board member. Patrik’s articles have been published in a number of scientific journals and he has also lectured at Seoul National University, South Korea, EPFL Lausanne, University of St. Gallen and gives regular workshops on valuation.", "domain": "economics"}
+{"url": "https://www.grandhotelriocuarto.com.ar/21-vat-refund-for-foreign-tourists.htm", "date": "2023-12-05T16:19:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100551.2/warc/CC-MAIN-20231205140836-20231205170836-00494.warc.gz", "language_score": 0.9180813431739807, "token_count": 291, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__191927124", "lang": "en", "text": "21% VAT refund for foreign tourists\nForeign tourists who do not reside in the country and reserve their stay in Río Cuarto may obtain a refund of 21% of the Value Added Tax (VAT). This tax advantage is only valid for reservations made with a credit/debit card not issued in Argentina or international currency transfer.\nThe benefit is NOT valid for cash payments and the stay must not exceed 3 months. The cardholder must be the same person staying at the hotel.\nIn the case of foreign tourists from neighboring countries, in order to apply for the refund, they must present their identity document and proof of migration at the hotel. On the other hand, the rest of the foreign tourists must present a copy of the stamped passport.\nWhen booking a hotel it is necessary that you indicate the nationality, the country of residence, the passport number or foreign identity document of all the people with whom you are staying so that the hotel staff can identify what you can apply to this VAT refund.\nIf you reserve a room at our Grand Hotel Río Cuarto, do not delete the email that we sent you with the electronic invoice in case it is required by the Federal Public Revenue Administration.\nIf you are a foreign tourist and you plan to travel to Río Cuarto, contact us to learn a little more about this fantastic benefit: email@example.com", "domain": "economics"}
+{"url": "https://www.dotsystem.it/en/innotrans-2016-dot-system-srl/", "date": "2023-09-29T12:55:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510516.56/warc/CC-MAIN-20230929122500-20230929152500-00000.warc.gz", "language_score": 0.9473390579223633, "token_count": 511, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__236671844", "lang": "en", "text": "APPROACHES INDIAN RAILWAY MARKET\nDot System, the Italian leading company in solutions and products for the rail industry, comes back from Innotrans 2016 edition, held in Berlin from 20th to 23rd September, with positive results and basis for opening-up to new markets.\nOver a hundred professionals of the railway market coming from all around the world have visited Dot System’s stand.\nThey had the opportunity to test and observe the new products exhibited by Dot System, with particular regard to the innovative Video communication systems, massively implemented on board of new trains or upgraded on circulating trains.\nFirst of all TrainPAD®, the high-resolution ‘PAD’ device, destined to revolutionize communication and entertainment on board, in addition to safety and control systems for drivers and passengers on board, including ‘Rear View Safety‘ (electronic mirror control of passengers during the loading / unloading phases),’ Driver and CCTV Monitors‘, ‘Videosurveillance‘, ‘Video Recorders‘, ‘Diagnostic Recorders‘.\nThe presence of representatives of the Indian railway market’s players has been a significant new factor of Innotrans, that for Dot System has been a showcase for promising business opportunities. The Indian railway companies’ delegates have shown a concrete interest to new releases of the Dot System products exhibited in Berlin, recognizing the appeal and the high value in terms of technology and innovation for the railway trades. India, Turkey and Iran are confirmed to be the new “borders” of the rail transport industry, where undertaking new business challenges.\nInnotrans – said Luciano Scaccabarozzi, President of Dot System – as in the last edition proved to be a fundamental moment of encounter and comparison for all worldwide railway market professionals.\nThe railway industry is experiencing a time of great turmoil: the international scenario sees the expansion of new markets, such as India, Iran and Turkish. We are directing our efforts and our activities in these countries.\nInnotrans 2016 recorded the best results in its history, with an increase of 7% in the number of exhibitors and of 4% in the number of operators from previously issued edition. 2,955 exhibitors from 60 countries have shown their products and services at Innotrans. The 112,000 square meters of the Berlin Exhibition Grounds were fully occupied, making of the German capital the point of world railway industry encounter.", "domain": "economics"}
+{"url": "http://www.greenelectricpower.com/investment-opportunity/", "date": "2018-04-26T05:16:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-17/segments/1524125948089.47/warc/CC-MAIN-20180426051046-20180426071046-00455.warc.gz", "language_score": 0.9275994896888733, "token_count": 518, "dump": "CC-MAIN-2018-17", "global_id": "webtext-fineweb__CC-MAIN-2018-17__0__208296955", "lang": "en", "text": "GreenElectric Power Corp is a technology based Independent Power Producer with a strong background in research and development. Our technology objective is to achieve clean burn characteristics utilizing waste products as fuel for electrical generation. Our historical development of Hydrogen Combustion Enhancement technologies enables us to develop clean burn applications on long carbon chain fuels which might otherwise be disposed of.\nOur team is comprised of chemical engineers, turbine mechanics, mechanical engineers, turbine engine manufacturers, and power generation engineers. We have previously developed and successfully deployed equipment into oil and gas applications utilizing waste fuel which other companies were unable to achieve a satisfactory result with.\nGreenElectric Power Corp has aligned with other stakeholders in the biofuels industry to produce a cost effective solution to a growing problem of waste production. Multiple benefits are produced for the end user. 1. A currently disposed waste liability is removed. 2. The waste is used to produce electricity at a discount cost to the facility 3. The heat is used onsite eliminating the need to pay for Natural Gas 4. Carbon reductions are available to the operator of the system.\nGreenElectric Power Corp will turn a waste product into a green fuel for the benefit of all stakeholders.\nOur investors will benefit from patented mechanical apparatus, proprietary intellectual assets, and process patents.\nThe biodiesel and ethanol industries are in their infancies. Technologies gaining acceptance in the early stages of this fast growing industry stand to benefit along with the initial growth surge.\nGreenElectric Power Corp will be well positioned to participate and capitalize in this growth as demand for biofuels increases, and so does glycerin production along with it.\nRedesign, Improve & Deploy Turbine Generation Technology “New Green Fuel”\nThe accelerated growth of green fuel industries has produced an abundance of glycerin which is disposed. GreenElectric Power Corp engages manufacturing industries, resource recovery corporations, and other large users of power, for the purpose of reducing their operational expenses by providing “behind the fence” power generation. By utilizing innovative, patentable mechanical designs and by applying years of accumulated experience in combustion process reactions we are taking industrial waste and turning it into green electricity.\nThis project will facilitate the utilization of a new green fuel source which is currently disposed. Current projects will be accommodated by existing, proven technologies. Meanwhile our Research and Development team will design more cost efficient power generation technologies for this new green fuel, resulting in;\n1. lower up front capital cost\n2. smaller onsite physical footprint\n3. lower operational costs\n4. a shorter ROI for investors.", "domain": "economics"}
+{"url": "https://www.thefeltfactory.co.nz/returnsandexchanges.html", "date": "2024-04-23T21:52:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818740.13/warc/CC-MAIN-20240423192952-20240423222952-00575.warc.gz", "language_score": 0.9355557560920715, "token_count": 112, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__879610", "lang": "en", "text": "If you are not 100% happy with your purchase, please let us know within 14 days of purchase. We are happy to exchange the product or issue a store credit given the item is in resalable condition, is unused and unsoiled. Shipping costs with not be refunded.\nHow our returns work-\n1) Email us at firstname.lastname@example.org\n2) Send back the item in original condition\n3) We will either exchange or issue a store credit once your returned item has arrived.", "domain": "economics"}
+{"url": "http://gofinowonline.com/is-it-bad-to-check-your-credit-score-often/", "date": "2021-10-19T12:51:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585265.67/warc/CC-MAIN-20211019105138-20211019135138-00303.warc.gz", "language_score": 0.9674951434135437, "token_count": 129, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__128512969", "lang": "en", "text": "In short, the answer to this would be yes. But there’s also a longer answer.\nAlthough checking your credit often will lower your credit score, it only actually lowers it a few points with every hard inquiry. Soft inquiries, on the other hand, do not lower your score.\nSo what exactly is a hard and soft inquiry?\nA lender or business checking your credit score would qualify as a hard inquiry. However, if a potential employer checks your score as a background check or you check your own score, that counts as a soft inquiry. And in those instances, it won’t negatively affect your score.", "domain": "economics"}
+{"url": "https://bestbitcoinminershop.com/bpage/2/", "date": "2022-08-11T12:22:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882571284.54/warc/CC-MAIN-20220811103305-20220811133305-00204.warc.gz", "language_score": 0.8856824040412903, "token_count": 127, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__19786380", "lang": "en", "text": "WHY BEST BITCOIN MINER SHOP?\nLocal lease costs allow for perfect mining conditions, with ample space for routine maintenance. The operational and facility support costs are 5-10 times lower than in Europe.\nYear-round low temperatures of Siberia mean no need for air conditioning or expensive cooling solutions. Optimal mining equipment conditions at lowest cost.\nAccess to the largest soviet-built hydroelectric plants provides renewable energy with enormous GigaWatt-capacities available for future scaling. More than 12GW in the Irkutsk region alone.\n© 2020 Copyright bestbitcoinminershop.com", "domain": "economics"}
+{"url": "https://softfry.com/tradingview-track-all-markets-3/", "date": "2023-09-25T19:40:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510085.26/warc/CC-MAIN-20230925183615-20230925213615-00216.warc.gz", "language_score": 0.9196870923042297, "token_count": 1189, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__108155346", "lang": "en", "text": "|Name||TradingView: Track All Markets|\n|Updated||Jun 2, 2023|\nIf you are into the finance industry trading in the stock exchange markets, you should have the TradingView app by TradingView Inc. on your smartphone. This app has been a game-changer to many investors in the stock market. How does it function? Well, it offers all the market information necessary to make decisions before investing.\nWith this app, you will readily access free live quotes and push prices from markets from across the globe. Moreover, you will also get quality news from our newsroom, full-screen real-time charts, company profiles, stock screener, currency converters, and much more.\nYou can fully personalize the portfolios, watch lists, and price-based push alerts. Simple for beginners in this industry, there are lots of technical analyses by experts that will provide trading ideas. Get this innovative app and stay in the lead as far as stocks markets are concerned.\nStock Trading Right from the Palm\nAt TradingView, you will find all data obtained and analyzed by professional providers. These are experts who have direct and extensive access to stock quotes, popular indices, futures, Forex, Bitcoin, and CFDs.\nWith this app, you can successfully track the stock market and popular global indices like the NASDAQ Composite, NYSE, S&P 500 (SPX), Dow Jones (DJI), FTSE 100, DAX, NIKKEI 225, etc. You also have access to the international stocks market. Besides, you will learn more about mutual funds, exchange rates, oil prices, ETFs, bonds, and other commodities.\nUndoubtedly, the TradingView app is the most active social network for investors and traders. Connect and exchange ideas with millions of traders from around the world and learn from their experiences. Download this app today, meet investors, and discuss trading ideas.\nTradingView App Features\nHere are some of the features that you will explore in this amazing trading application.\nAdvanced Market Charts – the TradingView App has excellent charts that are incomparable to desktop trading platforms in quality. All of the features, including the settings and tools of the featured charts, will also be available for all versions of the app.\nOver 10 charts can be used for an extensive market analysis from various angles. For instance, there is an elementary chart line as well as Renko and Kagi charts. Most of these charts focus heavily on price fluctuations and consider time as a factor. They are very useful in determining long-term trends. Moreover, they can help you earn lots of money.\nGet this app now and select from a large selection of price analysis tools, including indicators, drawing objects, strategies, and more.\nIndividual Watch Lists and Alerts – this app offers the user the benefit of receiving daily notifications about global markets. You will also track major global indices, currency pairs, stocks, bonds, futures, commodities, mutual funds, and cryptocurrencies all in real-time.\nAlerts help you to avoid missing the smallest of changes in the stocks market. They also will allow you to react in time to invest or even sell profitably, hence increasing your overall profit. Flexible settings under this feature will help you to track the indices you need and group them in a manner that is convenient for you. With this app, be assured that you will not miss any information!\nGlobal Indices – TradingView allows you to track all major indices of the world stock market in real-time. That includes stock markets in North and South America such as Dow Jones, NYSE, S&P 500, NASDAQ Composite, NASDAQ 100, SmallCap 2000, Merval, RUSSELL 2000, Bovespa, IPC, and IPSA.\nThere is also the Europe market that includes CAC 40, IBEX 35, FTSE MIB, ATX, DAX, BEL 20, BSE Sofia, PX, ММВБ (MOEX), РТС, and more. The markets in Asian-Pacific Ocean Regions feature NIKKEI 225, NIFTY, NZSE 50, SENSEX, SHANGHAI COMPOSITE, HANG SENG, S&P/ASX 200, KOSPI, KLCI, and more. The Kenya NSE 20, Moroccan All Shares, South Africa 40 are featured from Africa while EGX 30, Kuwait Main, Amman SE General, TA 25, etc. are from the Middle East.\nReal-Time Data – gain access to market data in real-time about over 100,000 instruments from over 50 exchanges from the Russia, United States, the East, and countries in Asia, Europe, and many more.\nSyncing Your Accounts – all saved changes, notifications, charts, and technical analysis, which you started with on the TradingView platform are automatically accessible from any of your devices courtesy of this feature.\nCryptoCurrency Trade – with this application, you will get the chance to compare prices from leading and world renowned cryptocurrency exchanges and markets. There is an easy-to-use calculator that uses current rates from major world currencies. You can also convert crypto to precious metals, crypto to fiat, or crypto to crypto using our powerful price converter.\nDownload TradingView Mod APK Latest Version – Unlimited Earnings\nObtain unlimited real earnings using the TradingView Mod APK. Exploit all data analyzed by professional providers so that you can effectively explore and track stock markets and major global indices!", "domain": "economics"}
+{"url": "https://www.ppc-strategist.co.uk/ad-slurry-the-problem-of-low-quality-inventory-and-how-to-deal-with-it/", "date": "2023-12-11T18:50:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679516047.98/warc/CC-MAIN-20231211174901-20231211204901-00161.warc.gz", "language_score": 0.9411180019378662, "token_count": 1512, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__126338556", "lang": "en", "text": "You’ve heard it many times… PPC practitioners face a growing problem with the lack of visibility and control into exactly where our spend is going.\nThere were at least three pieces of news sharing this theme in the last few weeks alone:\n• Display targeting behaviour was widened (with ‘and’ becoming ‘or’ for the different targeting methods…)\n• The Content Network targeting optout became misleadingly greyed out… (more on this below)\n• The removal of ‘similar audiences’ was announced\nBut the theme itself is not news (I first wrote about it four years ago, and it wasn’t news then either…)\nBefore we look at the best response to it, let’s take a deeper look at the dynamics of what’s really happening here, and why.\nFirst – as clear as the pattern is – is it really a problem?\nWe can certainly find PPCers who embrace the automation of bidding and targeting decisions…\nBut yes – it is a problem that we can’t sufficiently see or direct where our ad spend is going… and it’s not just that some PPC professionals tend to be control freaks.\n(I can neither confirm nor deny that suggestion… )\nBecause the truth of ‘where our ad spend is going’ is also changing, and not for the better.\nSome degree of low-quality ad inventory has always slipped (or been slipped…) into our campaigns – and this has increased over the years, for perfectly logical reasons.\nAs one PPC commentator asked rhetorically while railing against one of the many ‘unwanted expansions’ of Google Ads targeting this week, “is $65bn profit per quarter not enough for them?”\nTotally understandable sentiments – but the answer to that question is no; it’s not enough…\nNot because of greed – but because, as a public company, growth is essential for Google’s financial health.\nIt’s not enough for Alphabet to make billions; it needs to make more billions each year in order to justify (and increase) its share price.\nOn that basis, Google’s decision makers actually have a legal responsibility (fiduciary duty) to make every reasonable* effort to maintain and protect that growth (*NB one man’s reasonable is another man’s PMax…)\n…and as it happens, Alphabet’s latest financial figures gave them no cause to celebrate.\n(credit to Neil Andrew as the source of the comment quoted above. Well worth following for PPC updates and tips.)\nAnd so, in this pursuit of growth, as Google rushes to accommodate ever more advertiser dollars, it needs in turn to increase the inventory it has to sell…\nThis is what lies behind the gradual expansion we’ve seen, from the core, high- value inventory that used to be sufficient for all parties concerned – into the lower-quality inventory we now struggle to identify and keep at bay.\nThis ‘extra’ inventory has shown up in various ways,\nFrom content network as an add on (which is almost always best to remove, but which as mentioned above, Google has now made appear mandatory with a new greyed out opt-out box to tick…)\n…to ‘Targeting Expansion’ in display campaigns\n…to the removal of a simple method for excluding mobile app placements (“adsenseformobileapps.com” – a happy memory for those long in the game…)\n…to the problem of clicks from countries that we aren’t targeting. It became much harder to identify these after the change to the way location data was presented in 2021.\nWith Performance Max campaigns, the option to target users ‘in or regularly in’ our selected locations was first added and then quickly hidden from the campaign setup process….\nSpeaking of which, the fact that this option changed from ‘in’ to ‘in or regularly in’ was yet another small opening of the door to that lower-quality inventory.\nI could go on (and have done elsewhere, often enough…)\nBut it’s too easy to rant against these constant incursions. Far more productive to understand the bigger picture.\nAnd on that – the best exposition I’ve seen is from Rand Fishkin, founder of Moz and Sparktoro. Watch his excellent explanation here of the depressing ‘Ad Slurry’ principle… How platforms monetise lower-quality inventory with increasing aggregation and obfuscation (not naming any names ).\nTo summarise (in case, understandably, you can’t bring yourself to click away from this page…), while ad inventory varies in its value – both to a given advertiser, and in general terms – ad platforms have an incentive to monetise as much of their inventory as possible. Advertisers have a converse incentive to pay only for the inventory that they deem profitable, and not a step beyond it.\nThose platforms then use various methods (like those listed above…) to ‘blend’ that lower quality inventory with the higher-quality – such that it’s either hard or impossible to see – or at any rate, hard to avoid.\nWe don’t need to be conspiracy theorists to note this dynamic. It’s an entirely understandable – possibly inevitable – result of the way our incentives as advertisers and those of our ad platforms diverge.\n1 Be aware of the issue – and how it manifests itself in different platforms and campaign types…\nSome are far worse than others. Performance Max for example is notorious for its lack of detailed insights. In those rare moments when the curtain is pulled back – the view can be alarming.\nTake this case, of a high-end travel advertiser, using Performance Max-for-Travel campaigns, with a hotel feed and the usual set of assets.\nOn checking the ‘Performance Max campaigns placement’ report (one that it’s well worth being aware of…)\nNo comment needed.\nBut this leads on to the next item, which is\n2 Get to know the controls at our disposal – reduced as they may be – to combat low-quality impressions and clicks when you see (or suspect) them.\nIn the case above, account-level placement exclusions are the answer…\nThis method allows the blocking of whole categories of app.\nThe gaming categories would often be good candidates for that…\n3 Keep an eye on your metrics – and a keen eye on what they really mean.\nFor example, low CPCs aren’t necessarily a good thing\nand there are subtle ways in which ‘aggregated data’ can dilute the true picture.\nSearch partners traffic is a good example of this problem (but takes a bit of explaining…. Read tip #8 from my free guide, 10 advanced paid search tips)\n4 Find and turn to a trusted partner to do this kind of advanced monitoring for you.\nA one-off audit (the kind of thing I offer in one-to one sessions) may be what you need…\nor if you’re looking to sharpen up your own PPC eyes, consider something like my paid course and membership Google Ads Level Up.", "domain": "economics"}
+{"url": "https://homeservicesolutionsllc.com/a-beginners-guide-to-hvac-seer-ratings/", "date": "2024-02-21T19:25:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473524.88/warc/CC-MAIN-20240221170215-20240221200215-00354.warc.gz", "language_score": 0.9426541328430176, "token_count": 2671, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__28355289", "lang": "en", "text": "Are you tired of high energy bills during the hot summer months? Did you know that your HVAC system’s SEER rating could be the culprit? According to the U.S. Department of Energy, heating and cooling account for nearly half of the energy used in a typical home, with air conditioning alone accounting for 6% of all the electricity produced in the United States. That’s why understanding your HVAC system’s SEER rating is crucial for maximizing its energy efficiency and lowering your energy bills. In this beginner’s guide, we’ll break down everything you need to know about HVAC SEER ratings, from what they are to how to improve them. Let’s get started!\nWhat is a SEER Rating?\nA SEER Rating is a measure of the efficiency of a heating and cooling system. It stands for Seasonal Energy Efficiency Ratio, and it’s an index that shows how much energy your HVAC system uses over the course of a year. Specifically, it measures how much cooling a system can produce per unit of energy consumed over the course of a typical cooling season. In other words, the higher the SEER rating of a system, the more efficient it is at cooling your home while using less energy.\nSEER ratings are calculated by dividing the total cooling output of an HVAC system by the total energy it consumes in a given season. This gives an average efficiency rating for the entire cooling season, rather than just a snapshot of efficiency at a single point in time. SEER ratings typically range from 13 to 25, with higher ratings indicating greater efficiency.\nIt’s important to note that SEER ratings only apply to air conditioning systems, not heating systems. For heating systems, a different rating system called the Annual Fuel Utilization Efficiency (AFUE) rating is used to measure energy efficiency.\nWhy Does SEER Rating Matter?\nSEER rating matters for a number of reasons, including:\n- Lower Energy Bills: One of the most significant benefits of a high SEER rating is that it can lower your energy bills. Since higher SEER-rated systems are more energy-efficient, they use less energy to produce the same amount of cooling. This translates to lower monthly utility bills for homeowners and businesses.\n- Environmental Impact: Lower energy consumption also means a lower carbon footprint. By choosing a high SEER-rated system, you can reduce your energy usage and help to reduce your impact on the environment.\n- System Longevity: HVAC systems with higher SEER ratings often have more advanced technology and higher-quality components, which can lead to a longer system lifespan. This means less maintenance and replacement costs over time.\n- Increased Comfort: Higher SEER-rated systems are often designed to provide more even cooling throughout a home or business, resulting in increased comfort levels.\n- Improved Home Value: Upgrading to a high SEER-rated HVAC system can increase the resale value of your home. Potential buyers may be willing to pay more for a home with an energy-efficient HVAC system that will save them money in the long run.\nWhat SEER Rating Should You Choose?\nThe SEER rating you choose will depend on several factors, including your budget, climate, and specific heating and cooling needs. In general, the higher the SEER rating, the more energy-efficient the system is. However, a higher SEER rating also means a higher upfront cost for the system.\nWhen choosing an HVAC system, it’s important to consider your budget and how much you’re willing to spend upfront versus how much you could save on your energy bills over time. Additionally, consider your climate and how much you use your HVAC system. If you live in a mild climate or don’t use your HVAC system frequently, a lower SEER rating may be sufficient.\nWhat is a Good SEER Rating?\nBecause the environment and the home will influence the SEER rating, it can be difficult to define what constitutes a good SEER rating.\nFor instance, someone who lives in the South would consider a SEER rating of 20 to be good, but someone who lives in the North might think a SEER rating of 15 is sufficient.\nAs of 2023, the Northern States will require a domestic air conditioner to have a minimum SEER rating of 14, while the Southern States will need a minimum SEER rating of 15. If a person currently owns an air conditioner, they won’t need to consider this; nevertheless, all future purchases must abide by this.\nSo an air conditioner with a good SEER rating will typically have a value of 14 or higher. These days, a central air conditioner’s SEER rating is typically 16, on average. However, there are models with higher energy efficiency, some of which can reach a rating of 23.\nIf you’re not sure what SEER rating to choose, consult with a professional HVAC service provider like Home Service Solutions. Our experienced technicians can evaluate your needs and recommend the right HVAC system with a SEER rating that fits your budget and energy efficiency needs.\nDo Higher SEER-Rated Air Conditioner Units Cool Better?\nHigher SEER air conditioners will generally cool more effectively, but the size of the home and the climate must also be taken into account.\nHowever, there are two reasons why higher-rated SEER units will perform better at cooling, and these are as follows:\n- Variable airflow (speed at which the air is blown)\n- (Variable-speed compressor) with two stages\nA lower SEER AC unit will feature a single-stage compressor rather than a 2-stage speed compressor. As a result of their going on and off in moderate weather, uneven cooling (hot and cold areas) are more common.\nAdditionally, because air conditioners must run continuously to remove humidity from the air, air conditioners with lower SEER ratings also experience higher humidity levels.\nHow Much More Efficient Is A Higher SEER Rating?\nHigher SEER air conditioners are significantly more efficient than those with lower SEER ratings. The SEER rating with the lowest efficiency level is 8 and the one with the highest efficiency level is 22, which is 64%.\nThe efficiency boost between a high-end HVAC system and a middle-of-the-road one is about 40%.\nWill The SEER Rating Be Affected By The Size Of My Home?\nThe SEER rating of a house depends on its square footage (living area). 20 BTUs are typically required per square foot of living area for air conditioners. Tonnage, which is how central air conditioners are rated for cooling, must be converted from BTUs.\nA dwelling space will require 0.0016 tons of cooling per square foot since 1 ton is equal to 12,000 BTUs. This indicates that a cooling HVAC system for 600 square feet has to be 1 ton, whereas a system for 3,600 square feet needs to be 6 ton.\nEven if an air conditioner has a high SEER rating, the living area won’t be properly cooled if it doesn’t follow this equation.\nDoes A Higher SEER Have More Benefits?\nThere are two key advantages to take into account while choosing an AC unit, and they are as follows:\n- improved cooling\n- lower energy costs as a result of the efficiency\nHigher SEER air conditioners will give superior cooling since, as I’ve already mentioned, they will have a 2-stage speed compressor. Additionally, because they are more efficient, they won’t consume as much electricity, which will reduce an energy bill.\nHow to Improve Your HVAC System’s SEER Rating\nIf you already have an HVAC system and want to improve its SEER rating, there are several steps you can take. These include:\n- Regular Maintenance: Regular maintenance is key to keeping your HVAC system running efficiently and improving its SEER rating. Make sure to schedule regular tune-ups and filter replacements with a professional HVAC service provider like Home Service Solutions. A dirty filter or clogged air ducts can reduce your system’s efficiency and increase your energy bills.\n- Upgrading Your Thermostat: Upgrading to a programmable or smart thermostat can help you better control your HVAC system’s energy usage and improve its efficiency. With a programmable thermostat, you can set different temperatures for different times of the day, allowing you to reduce your energy usage when you’re not at home or during the night.\n- Improving Your Insulation: Proper insulation can help keep your home or business cooler in the summer and warmer in the winter, reducing the workload on your HVAC system and improving its efficiency. Check your insulation levels and consider adding insulation to areas that may be lacking.\n- Sealing Air Leaks: Air leaks around windows, doors, and ducts can cause your HVAC system to work harder to maintain a comfortable temperature, reducing its efficiency. Sealing air leaks with caulking or weatherstripping can help reduce your energy bills and improve your system’s SEER rating.\n- Upgrading Your HVAC System: If your HVAC system is old or inefficient, upgrading to a newer, more energy-efficient system can help improve its SEER rating and save you money on your energy bills over time. Today’s HVAC systems are much more energy-efficient than those from just a few years ago, and upgrading can lead to significant energy savings.\nHow Do Costs Relate to a SEER Rating?\nThe price of an AC unit will depend on its SEER rating. A lower SEER rating air conditioner will often be less expensive than one with a higher rating. However, it should be remembered that an air conditioner with a higher SEER rating will use up to 40% less energy, which will result in lower monthly energy costs. As a result, air conditioners with higher SEER ratings may ultimately (and to a certain extent) pay for themselves.\nSEER rating and cost are closely related when it comes to HVAC systems. Generally speaking, higher SEER-rated systems will cost more upfront than lower-rated systems, but they will save you money on energy bills in the long run. Here are some key points to consider:\n- Higher SEER Ratings Cost More: HVAC systems with higher SEER ratings typically cost more than those with lower ratings. This is because higher-rated systems use more advanced technology and often have higher-quality components.\n- Lower Energy Bills: While higher SEER-rated systems have a higher upfront cost, they can save you money in the long run by using less energy and reducing your energy bills. Over time, the savings on energy bills can help offset the higher initial cost.\n- Return on Investment (ROI): The return on investment for upgrading to a higher SEER-rated HVAC system will depend on a variety of factors, including the cost of electricity in your area, how often you use your HVAC system, and the cost of the new system. It’s important to consider these factors when deciding whether upgrading to a higher SEER-rated system is worth the investment.\n- Tax Credits and Rebates: In some cases, upgrading to a higher SEER-rated HVAC system may qualify you for tax credits or rebates from your utility company. These incentives can help offset the cost of the new system and make upgrading more affordable.\nWhat Savings Can Be Expected From a Higher SEER Rating?\nEven if the rating of the units only goes up by one, the savings from having a higher SEER rating can be significant.\nThe new regulations that the DOE (U.S. Department of Energy) will put into place in 2023 would result in a total reduction in energy expenses for American residences with air conditioner units of between $2.5 billion and $12.2 billion between 2023 and 2052.\nOver the following ten to twenty years, the typical homeowner can anticipate saving thousands of dollars.\nUnderstanding SEER ratings is essential when choosing an HVAC system for your home or business. A higher SEER rating generally means better energy efficiency and lower energy bills over time. However, a higher SEER rating can also mean a higher upfront cost. It’s important to consider your budget.\nAt Home Service Solutions, we offer a wide range of HVAC services and solutions, including maintenance, repairs, and installations. Our experienced technicians can help you evaluate your HVAC system’s efficiency and recommend the best course of action to improve its SEER rating and lower your energy bills. Contact us today to schedule an appointment and start saving on your energy bills.", "domain": "economics"}
+{"url": "http://www.theaussiex.com/ax-foundation/", "date": "2013-12-13T07:14:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386164908494/warc/CC-MAIN-20131204134828-00071-ip-10-33-133-15.ec2.internal.warc.gz", "language_score": 0.9344193339347839, "token_count": 173, "dump": "CC-MAIN-2013-48", "global_id": "webtext-fineweb__CC-MAIN-2013-48__0__183391445", "lang": "en", "text": "Aussie X Foundation\nFounded in 2010 due to the rising demand for Aussie X programs in low socio-economic areas of Canada, the Aussie X Foundation connects charitable giving organizations, individual donors, corporate sponsors and government ministries with schools, camps and community centers that need funding in order to benefit from the Aussie X sports clinics.\nThe Foundation has also run two exciting international outreach programs since its inception: one in Kenya and one in Jamaica. Schools and other not for profit groups are able to apply to the Aussie X Foundation for funding. Particular attention is paid towards youth at risk areas and collaborative community needs that involve multiple partners.\nMaking use of charitable giving and grant funding\nThe Foundation applies and receives funding from various sources. If you know of an upcoming grant award or funding opportunity please contact us at firstname.lastname@example.org", "domain": "economics"}
+{"url": "https://tribe.digital/resources/retention-strategy-for-subscription-ecommerce/", "date": "2021-07-25T19:06:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046151760.94/warc/CC-MAIN-20210725174608-20210725204608-00321.warc.gz", "language_score": 0.9612138271331787, "token_count": 633, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__79119623", "lang": "en", "text": "The subscription ecommerce market is big. Globally, it’s grown by 100% year-on-year for the past 5 years and is projected to reach $473 billion by 2025 in the US, with the UK expected to grow another 72% by 2022. And that was all pre-Covid, this past year has accelerated the trend even further. The key to a successful subscription business is winning at retention. This post will cover the basics you need to have a robust retention strategy for subscription ecommerce.\nNot every customer will keep up with their subscription. It’s unrealistic to expect 100% of them to stay subscribed. But there are things you can do to help retain customers or entice them back if they do leave. You can also leverage their advocacy to keep things growing.\nTo help consider the whole subscription user journey, at every level, we work with a different kind of acquisition funnel.\nThis acquisition funnel goes one step further than the classic awareness, consideration, conversion funnel that you may have seen before. In this model, we consider how to retain customers once their subscription is active and limit the churn rate. We also think about their potential lifetime value and how referrals can help to bring more customers into the fold.\nYou may have heard about growth hacking. This term refers to a series of marketing tactics that are focused on not just sustaining your business, but growing it.\nIn the subscription ecommerce world, you need to think differently to a traditional retail model . For example, when developing a performance media strategy, you’ll plan different messages, content and offers for different people, depending on where they’re at in their journey with you, e.g. are they prospects, subscribers, potentially about to drop off or actually big advocates?\nOften the challenge isn’t in the acquisition of new customers through your normal conversion-driven campaigns, but actually holding on to them. When you keep hold of them successfully, they’re likely to advocate for you. And when they do this, you’ll start to generate more customers on a referral basis. Consistency of this method will allow you to keep growing.\nPrevention is always better than a cure. Especially when it comes to lapsed customers. You need to ensure you’re providing an exceptional experience and giving the minimal amount of reasons to unsubscribe.\nYour churn rate is a critically important metric for companies whose customers pay on a recurring basis. Regardless of your monthly revenue, if your typical customer doesn’t stick around long enough for you to at least recoup your average customer acquisition cost (CAC), you’re in trouble.\nYou need to give them a reason to stay and a reason to advocate for you. This is the quickest path to growth. We’ve listed a few ways to build loyalty with your customers and encourage them to advocate for you.\nWe hope that this post around retention strategy for subscription ecommerce has helped with ideas of how you can strengthen your business and increase profitability. If you have any questions, please get in touch.", "domain": "economics"}
+{"url": "http://www.curriebybrenton.com/about/", "date": "2017-06-29T15:45:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-26/segments/1498128329372.0/warc/CC-MAIN-20170629154125-20170629174125-00369.warc.gz", "language_score": 0.9219956398010254, "token_count": 773, "dump": "CC-MAIN-2017-26", "global_id": "webtext-fineweb__CC-MAIN-2017-26__0__142730645", "lang": "en", "text": "1910: The Currie Machinery Company story begins with Hugh A. Currie, a chief engineer on the commercial ships. Plying the chilly waters of the Great Lakes during the early 20th century when electrical power and lighting was ascending and demand for engineers with knowledge of generators and mechanical systems was great.\n1920-30s: Applying his ship-borne knowledge of electrical power and mechanics, Currie began designing and building a variety of machines, especially for the confectionary industry in the Chicago area.\n1940s: Currie earned a reputation for building rugged, dependable machines exemplified by the gum tray stackers he built for the Wrigley Company. Currie \"ship-like\" steel constructed machines continue to perform over the years.\nDuring WWII, Hugh's sons participated in the tremendous troop build-up in California. Concluding the war, the Currie boys saw an opportunity in the Golden State with mild winters and booming economy. Currie Machinery Company relocated to the fertile Santa Clara Valley booming with canneries packaging agricultural products for the growing post-war country.\n1950-60s: Currie specialized in custom palletizing equipment for the cannery industry. The palletizing line was marked with the durable construction of Hugh A. Currie's early machines allowing Currie Machinery Company to grow and meet national demand for automated material handling equipment.\n1970-80s: Currie Machinery Company developed a nation-wide sales force and emerged as an equipment supplier to many Fortune 500 companies. Many machines are still in operation today, 30-40 years after delivery!\n2006: Brenton, a division of Pro Mach, acquired Currie Machinery Company and relocated the operations to Alexandria, MN, where Currie continues its manufacture machines with proven, simple, rugged designs. Currie by Brenton machines are produced for manufacturers requiring high output, dependable and easy-to-maintain product packaging equipment. With the acquisition of Currie Machinery Company, Brenton adds a broad range of conventional palletizing solutions to its existing product line. The Currie by Brenton product line includes automatic low-level and high-level infeed palletizers, case elevators, pallet dispensers, slip sheet dispensers and complete palletizing systems.\nBrenton is pleased to add the Currie product line to the existing Brenton palletizing and material handling solutions. In order to better serve its customers, Brenton continually offers reliable automated packaging products and custom packaging solutions for customer's unique packaging problems. Currie products are proven, high quality product packaging solutions. With the acquisition of Currie, Brenton adds a broad range of conventional palletizing solutions to its existing product line. The Currie product line includes automatic low level infeed palletizers and high level infeed palletizers, case elevators, pallet dispensers, slip sheet dispensers and complete palletizing systems.\nBrenton designs, manufactures and integrates end-of-line palletized packaging solutions, shrink wrapping machines, robotic packaging equipment, case packing and material handling equipment. Brenton is a packaging industry leader in servo-technology applications and integrating automated solutions for custom packaging needs.\nAs a brand of Brenton, Currie by Brenton has access to an even broader range of packaging and material handling technologies and is backed by the financial security of a major packaging company committed to providing customers with world-class packaging machines and services. Pro Mach, Inc. is a leading provider of integrated packaging products and solutions for food, beverage, household goods, pharmaceutical, and other diverse consumer and industrial companies.\nBrenton continues to invest and integrate Currie products with its existing line and maintains the rugged construction and economical price for which Currie is famous.", "domain": "economics"}
+{"url": "https://happymod.com/car-saler-simulator-2023-games-mod/com.gi.car.stunts.game/", "date": "2024-03-02T13:05:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475825.14/warc/CC-MAIN-20240302120344-20240302150344-00248.warc.gz", "language_score": 0.9239614009857178, "token_count": 1597, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__17542334", "lang": "en", "text": "Car Saler Simulator 2023 Games Mod is a modified version of Car Saler Simulator 2023 Games developed by Games Icon.\nThe difference between mod version and original version is: Unlimited Money... You can download latest mod version or original version of Car Saler Simulator 2023 Games 2.8\nHappyMod is the best mod downloader for 100% working mods. Click here to learn how to use HappyMod\nto download and install all kinds of file types:xapk, bapk, apks...\n# Car Saler Simulator 2023 Games Mod APK 2.1 [Unlimited money] Features:\nCar Sales Simulator 2023 Games Mod: Unlimited Money is an impressive virtual experience that allows players to delve into the exciting realm of car sales. With its unique mod feature providing unlimited money, the game offers unparalleled opportunities for exploration, customization, and financial growth. In this in-depth review, we will explore the various aspects of this game, highlighting its strengths, weaknesses, and the overall immersion it provides.\nThe gameplay of Car Sales Simulator 2023 Games Mod offers a comprehensive and immersive experience of running a car dealership. Players start with a modest budget and gradually explore a vast range of vehicles, negotiate with customers, make smart investments, and expand their business empire. The availability of unlimited money eliminates any financial constraints and empowers players to experiment with different strategies and achieve tremendous success. The game does an excellent job of simulating the challenges and rewards associated with managing a car sales business.\nVisuals and Sound:\nThe graphics and visual effects in Car Sales Simulator 2023 Games Mod are impressive, offering stunningly detailed car models and a realistic environment. The attention to detail in the design of each vehicle, showroom, and customer adds to the overall authenticity. The game also features a variety of sound effects, including the engine sounds of different car models, creating a more immersive experience. However, an inclusion of a background soundtrack would further enhance the overall atmosphere of the game.\nRealism and Authenticity:\nOne of the strongest aspects of Car Sales Simulator 2023 Games Mod is its emphasis on realism and authenticity. The game accurately captures the dynamics of the automobile market, including market fluctuations, customer preferences, and competition dynamics. This attention to detail allows players to gain a deeper understanding of the intricacies of the car sales industry. Additionally, the inclusion of a comprehensive car customization system adds another layer of authenticity, allowing players to personalize and upgrade their vehicles according to market demands.\nDepth and Replay Value:\nThe mod feature of unlimited money enhances the depth and replay value of the game, making it an engaging experience for users. The freedom to experiment with different sales strategies, upgrade multiple vehicles, and expand the business creates countless possibilities and challenges to overcome. The game offers a myriad of customization options, ensuring that each playthrough offers a unique experience. However, additional game modes or challenges could help in prolonging the enjoyment for long-time players.\n1. Unlimited money mod allows freedom for experimentation and creativity.\n2. Authentic representation of the car sales industry.\n3. Impressive graphics and detailed vehicle models.\n4. Realistic sound effects make the gameplay more immersive.\n5. Depth and replay value through customization options.\n1. Lack of a background soundtrack.\n2. Limited additional game modes or challenges.\nCar Sales Simulator 2023 Games Mod: Unlimited Money provides an incredibly immersive experience, allowing players to explore the intricate world of car sales without the limitations of a budget. The game's attention to detail, impressive graphics, and inclusion of customization options ensure players a deeply engaging and realistic experience. Although certain areas, such as background soundtrack and additional game modes, could be improved, the overall enjoyment and immersion offered by this game make it a compelling choice for any aspiring virtual car entrepreneur.\nBecome a car flipper in the world of the used car market in our car dealer games. Car for Sale Simulator is one of our job simulator business games that lets you buy and sell various vehicles at the best prices with car dealers. You can be successful in the game as a skilled trader who shows his ability to negotiate with sellers to lower their prices and sell his cars at maximum profit. To enhance your dealer abilities in the car market enjoy this game.\nCar dealer games will benefit you more if you have a higher skill in buying and selling cars. If you have negotiating skills in used car dealer games then there are chances of reducing the price of vehicles you are buying in car garage games to maximize your earned points profit. Car factory games and idle car tycoon games wish they had this fun as our car saler simulator 2023 games had. So enjoy car driving games the real job simulator in the era of car dealer job simulator and car tycoon game as car racing games now.\nStart your career as a Car dealer where players take on the role of an auto showroom manager to build a used cars business simulator and become a successful car dealer in a car tycoon game. The car market is the place to start a cars showroom business to acquire vehicles and become a real car tycoon in a car dealer job simulator business game. Buy new and used cars which is the main purpose of this game and become rich. Car sellers will offer their cars for sale to you so you can keep them in the showroom and earn money by selling them as a car dealer job simulator business game.\nExpand your used cars business game and sell various vehicles as you can set prices with clients to secure the most profitable deals when you sell either a super car or a sports car or even a sedan in this car tycoon game. In your car dealer business simulator, you also have the opportunity to sell your own cars by placing them on sale in your office area as well in the idle car tycoon game. Take the challenge as a successful car flipper and prove yourself as the best car dealer by using the art of negotiation allowing you to earn a maximum profit on every car deal.\nA car sale simulator is a real job simulator or car dealer that can make you the owner of a showroom business game by selling and buying luxury cars in the car saler simulator 2023 game.\nFeatures of Car Saler Simulator Games 2023\n* Buy and Sell cars as a car dealer\n* Be a used car dealer and own a car showroom in the car delaer business game\n* Gas station car for sale 2023 as car dealer job simulator\n* Upgrade car garage and new cars in the car tycoon game\n* Expand business in the car dealer game and car flipping\nDownload the Car Saler Simulator 2023 Games now!\n# How to download and install Car Saler Simulator 2023 Games Mod APK 2.1 [Unlimited money]?\n// Option A //\nTo download Car Saler Simulator 2023 Games mod from HappyMod.com.\nYou need enable the option \"Unknown Sources\".\n1. Click on the above link to download Car Saler Simulator 2023 Games mod APK.\n2. Save the file in your device Downloads folder.\n3. Now tap on Install and wait for the installation to finish.\n4. Once it is done, open the game and start playing it right away.\n// Option B //\nTo download Car Saler Simulator 2023 Games from HappyMod APP, you can follow this:\n1. Open your browser and download the HappyMod APK file from HappyMod.com - the only official website of HappyMod.\n2. Open Android Settings and go into Privacy or Security.\n3. Tap the option to Allow Unknown Sources and enable it.\n4. Go to your Android downloads and tap the APK file.\n5. Follow the directions on the screen to install it.\n6. Search Car Saler Simulator 2023 Games in HappyMod App.", "domain": "economics"}
+{"url": "http://www.techframe.com/company/history/", "date": "2023-12-07T10:26:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100651.34/warc/CC-MAIN-20231207090036-20231207120036-00730.warc.gz", "language_score": 0.9529659152030945, "token_count": 415, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__21739947", "lang": "en", "text": "The past speaks for itself. Techframe was born in March 2000, having started its activities in January 2001, with the objective of developing information systems, for niche markets with high growth potential, using methodologies and revolutionary practices to date, and which are still at the forefront of technology. We were the first company in Portugal to advocate the use of SQL databases to support Executive Information Systems and one of the first to provide an internal email system for large companies, with feedback information on emails sent. For almost 20 years, we have added world class products to our portfolio, striving for innovation and disruption.\nThe present is comfortable. After working in several business areas, always with great success, and at the time we were preparing for internationalization, we concentrated all our efforts on a system, and data services, aimed at the Intellectual Property sector, which supported the company's growth, the entry of a venture capital company (Portugal Ventures) in the shareholder structure and its internationalization to three continents. More recently, and after the recovery of the dispersed social capital, Techframe diversified its operations in three major sectors, and currently has facilities in three locations and strategic partnerships, enabling its direct presence in three continents.\nThe future is brilliant. The consolidation and development effort of the last few years has enabled the diversification of sectors of activity, and the alignment of a set of products with release dates distributed over the next three years, reinforced with the acceptance of the application, of almost one million euros to Portugal 2020, for a Research and Development project, and with the establishment of a partnership with a Spanish associate, which will expand the company's internationalization and sustained growth. At the same time, the increase in the investment in internal research, enabled the acquisition of know-how and the strengthening of the team in the area of the identification of graphic and textual patterns for industrial property systems, in the area of modeling and animation for the entertainment industry, in the area of artificial intelligence for the information systems industry and in the area of virtual and augmented reality for the digital games industry.", "domain": "economics"}
+{"url": "https://arsenalfclatestnews.com/arsenal-players-contracts/", "date": "2019-04-25T10:57:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578716619.97/warc/CC-MAIN-20190425094105-20190425120105-00271.warc.gz", "language_score": 0.8679734468460083, "token_count": 1974, "dump": "CC-MAIN-2019-18", "global_id": "webtext-fineweb__CC-MAIN-2019-18__0__17321973", "lang": "en", "text": "Arsenal Players’ Contracts 2018/19\nHere we have compiled a list with Arsenal players’ contracts details. How are the Arsenal players’ contracts stipulated and structured in terms of weekly wages, weekly pay, yearly salary of Arsenal players look like?\nWhat are the contract details about when their obligations are starting and ending? Lets have a look at Arsenal players and their contracts.\nArsenal Players Contracts And Wages 2018/19\nArsenal are one of the highest paying teams in terms of weekly wages to their stars. Here is the full list of the squad with their weekly wages and years remaining on the contract (some of the young players’ weekly salaries are unknown so no information is available on them):\nArsenal Players Contracts Ending & Wages 2018/19\nArsenal players’ contracts ending? Here is the full list of Arsenal first team squad, their contracts and how much Arsenal are paying each player in weekly wages.\nLet’s have a look on Arsenal Players’ Contracts 2018/19 details below:\nArsenal Player Wages & Contracts 2018/19\n|PLAYER||AGE||WEEKLY WAGE||CONTRACT LEFT|\n|Bernd Leno (New Signing)||22||£90,000||4 Years (2023)|\n|Petr Cech||36||£100,000||Last Year (2019)|\n|David Ospina||29||£40,000||1 Years (2020)|\n|Sokratis (New Signing)||30||£90,000||2 Years (2021)|\n|Shkodran Mustafi||26||£90,000||2 Years (2021)|\n|Laurent Koscielny||32||£90,000||1 Year (2020)|\n|Calum Chambers||23||£25,000||1 Year (2020)|\n|Rob Holding||22||£40,000||4 Years (2023)|\n|Konstantinos Mavropanos||20||£25,000||4 Years (2023)|\n|Krystian Bielik||20||£25,000||1 Year (2020)|\n|Sead Kolasinac||25||£119,500||3 Years (2022)|\n|Nacho Monreal||32||£65,000||Last Year (2019)|\n|Héctor Bellerín||23||£100,000||4 Years (2023)|\n|Stephan Lichtsteiner (New Signing)||34||£90,000||1 Year deal (2019)|\n|Mohamed Elneny (New Deal)||26||£55,000||3 Years (2022)|\n|Aaron Ramsey||27||£110,000||Last Year (2019)|\n|Granit Xhaka (New Deal)||25||£90,000||4 Years (2023)|\n|Lucas Torreira (New Signing)||22||£75,000||4 Years (2023)|\n|Mattéo Guendouzi (New Signing)||19||3 Years (2022)|\n|Mesut Özil (New Deal)||29||£350,000||2 Years (2021)|\n|Alex Iwobi||22||£30,000||1 Year (2020)|\n|Henrikh Mkhitaryan||29||£120,000||2 Years (2021)|\n|Pierre-Emerick Aubameyan||29||£180,000||2 Years (2021)|\n|Danny Welbeck||27||£70,000||Last Year (2019)|\n|Alexandre Lacazette||27||£140,000||3 Years (2022)|\nArsenal Player With Highest Wages\nMesut Ozil is currently the highest paid player at Arsenal. The German signed a contract extension in January 2018 worth £350,000 per week, set to last till June 2021.\nAt the time, the club was under a lot of pressure due to both Ozil and Alexis Sanchez’s uncertain future. Eventually, Wenger decided to swap out the latter for Henrikh Mkhitaryan and made Ozil one of the club’s, the Premier League’s and even the world’s highest paid players.\nThe second highest paid player at Arsenal is Pierre-Emerick Aubameyang who arrived at the club over a year back from Borussia Dortmund on a record fee of £56m. The stark contrast between the Gabon international and Ozil’s wages will give you an understanding on how far Arsenal are overpaying the former Real Madrid player.\nArsenal Players On Expiring Contracts 2018/19\n|Name & Position||Date of Birth (Age)||End of contract||Contract option|\n|Danny Welbeck||Nov 26, 1990 (28)||30.06.2019||–|\n|Denis Suárez||Jan 6, 1994 (25)||30.06.2019||Option to buy|\n|Nacho Monreal||Feb 26, 1986 (32)||30.06.2019||–|\n|Carl Jenkinson||Feb 8, 1992 (27)||30.06.2019||–|\n|Stephan Lichtsteiner||Jan 16, 1984 (35)||30.06.2019||–|\nDanny Welbeck‘s spell has been riddled with injuries as the 27-year-old spends his final year of his contract with Arsenal on the sidelines, nursing a hit on his ankle. He has mostly operated as a secondary striker, since his arrival from Manchester United in 2014.\nIt is unclear at this point whether Arsenal will re-sign the 42-time England international to a new deal.\nDenis Suarez arrived on a 6-month loan spell from Barcelona in January 2019. While the Gunners did not have to provide a guarantee of purchase in the upcoming summer, they are obligated to pay around £20m to acquire the Spaniard’s services on a permanent basis.\nNacho Monreal arrived at the Emirates for £9m in 2013 and since has eclipsed into one of the best full-backs in the Premier League. Currently 32, Monreal still remains a key figure in Arsenal’s defensive lineup under Unai Emery. With the side clamouring to hold off the weakest of opponents, it is almost mandatory for the club to renew the Spaniard’s contract for longer.\n“It would be wise to keep hold of the Englishman”\nCarl Jenkinson continues to be a third choice full-back for Arsenal with very rare appearances in excusable domestic cup games. With Stephan Lichtsteiner’s future uncertain and Hector Bellerin not available till September 2018, it would be wise to keep hold of the Englishman.\nStephan Lichtsteiner arrived from Juventus on a free last summer. He is the second oldest player in the Arsenal ranks behind, Petr Cech (36) and was supposed to be a one-year rental.\nHowever, with Bellerin out of action till the next campaign and given Lichtsteiner’s unimaginable engine even at this age, the former Swiss international should definitely be recalled for another season.\nArsenal On-Loan Players’ Contracts 2018/19\n|Name||Age||Loan To||Contract Until||Loan Ends|\n|David Ospina||30||SSC Napoli||30.06.2020||30.06.2019|\n|Emiliano Martínez||26||Reading FC||30.06.2022||31.05.2019|\n|Matt Macey||24||Plymouth Argyle||30.06.2019||31.05.2019|\n|Krystian Bielik||21||Charlton Athletic||30.06.2020||31.05.2019|\n|Takuma Asano||24||Hannover 96||30.06.2020||30.06.2019|\nIt’s hard to tell how much Arsenal are paying these players exactly. Especially with all these performance bonuses and such. But we got this information from reliable sources.\nThe data about Arsenal players’ contracts is up to date and confirmed by reliable sites like Guardian, Transfermarkt, BBC, etc. The weekly wage figures of Arsenal players cannot be 100% accurate because no club discloses this information to media or fans.\nArsenal’s History In Top Tier English Football\nAlso known as the Gunners, Arsenal have spent most of their history in the English top-flight. The club has enjoyed UEFA Champions League football for over 14 seasons in a row under former manager, Arsene Wenger.\nArsenal’s home ground, Emirates is currently the 9th largest stadium in the United Kingdom behind Tottenham Hotspurs’ White Hart Lane and Celtic Park. They are also in Deloitte’s top ten list of the world’s richest clubs.\nWhile their finances have taken a hit since their failure to qualify for the Champions League for the past 3 seasons (including the current one), Arsenal have adjusted by controlling their transfer expenditures.\nThey currently have one of the highest wage bills in the Premier League after the signing of Pierre-Emerick Aubameyang, Henrikh Mkhitaryan, Sokratis Papastathopoulos and Mesut Ozil to his new ginormous deal.", "domain": "economics"}
+{"url": "http://scottishwrestling.org/australia-pokie-on-the-net-casino-australia-try", "date": "2021-12-05T01:34:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363134.25/warc/CC-MAIN-20211205005314-20211205035314-00598.warc.gz", "language_score": 0.9741960167884827, "token_count": 487, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__52473129", "lang": "en", "text": "In Australia, restaurant owners and slot machine fans can breathe a sigh of relief. After several weeks of closure, the government allows pubs to be reopened and the machines, which are affectionately known in the country as “pokies”, to start operating from June 1st.\nThis means that a more than two-month dry spell will come to an end on the coming Whit Monday for players and operators of restaurants and pubs. At the end of March, the Australian government ordered a nationwide closure of shops due to the rapid spread of Covid-19 infections.\nIn the pubs, however, there are strict hygiene and distance rules. For example, operators must guarantee a minimum distance of 1.5 meters between all those present at all times, with only one person allowed to be in each 4 m². If there are too many devices in a room, the operators have to switch off as many of them until the distance rules can be observed.\nAustralian gamblers saved a billion dollars during the Covid-19 shutdown of land-based gambling establishments. It is estimated that Australians spent around AUD 1.5 billion less on gambling during this time.\nAccording to the Australian media, however, the announcement that they will be allowed to operate their slot machines as long as food is served in their shops and no more than 50 people are present should be much more interesting for the pub owners.\nThe approval to operate the pokies is part of the efforts of the Australian government authorities to support the restaurants that have been particularly hard hit by the Covid-19-related closings.\nIn addition, the government has postponed tax payments on income from the pokies until the end of August. However, there are already several voices on the part of the operator that require further help.\nBut the joy of the restart announced for the beginning of June is not shared by all companies in the gaming sector. For example, casinos and gaming halls must remain closed until further notice.\nFor them, the time of uncertainty continues for the time being, because so far the responsible politicians have not commented on a possible loosening in this area.\nCasino.org is the world’s leading independent online gaming authority, providing trusted guides, reviews and information to online casinos since 1995.", "domain": "economics"}
+{"url": "https://delcambremarket.org/wendell-verret/", "date": "2023-12-06T05:13:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100583.13/warc/CC-MAIN-20231206031946-20231206061946-00209.warc.gz", "language_score": 0.9697793126106262, "token_count": 711, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__177220051", "lang": "en", "text": "A day in the life of Wendell Verret is like a Where’s Waldo? book; in the course of a day, you never know where he might pop up. The man who can’t say “no” to helping Delcambre, its nearby cities or its fishermen is always looking for the next project or collaboration to bring attention to the area and the industry that have been part of his life.\nIt’s been nearly 12 years since this attorney has traded his briefcase for more casual attire and become port director of the Twin Parish Port Commission. His day-to-day activities have him overseeing the planning, direction and operations of the port, but also an industrial fabrication facility, the North Pier Marina, and the boat landing and pavilion at Bayou Carlin Cove. Few people know better than Wendell how important a hub Delcambre is for Louisiana`s seafood industry.\nIn his efforts to help local farmers and fishermen sell their products, Wendell started a farmer’s market in 2013, which he eventually brought to the pavilion at Bayou Carlin Cove where fishermen sell shrimp from their boats. Through grant monies obtained, he has grown the Delcambre Seafood & Farmers Market to one with just over 53 vendors, and attended by an average of 1,100 people each month.\nLike the market, many of Wendell’s projects are intended to create jobs and/or boost the local economy. When he initiated the e-commerce site, the Louisiana Direct Seafood Shop, it was to help small family-owned fishing businesses sell their seafood online to customers across the country. He was also instrumental in developing a brand label for their catches: Vermilion Bay Sweet.\n“I like the process of conceiving and implementing new initiatives; it gets me very motivated,” says the man who spearheaded the future Acadiana Regional Seafood Hub to be built in his childhood stomping ground of Erath. It’s a project that will support small business development of the seafood industry and other food-related businesses. “I like to see growth of the economy in the communities of Delcambre and Erath,” says the Jefferson Island native.\nFrom cooking demonstrations that promote Louisiana seafood to education workshops for shrimpers and collaborations with LSU’s AgCenter, Wendell has done his best to highlight the importance of the shrimping industry. “I want to see shrimpers stay in business as long as they can, so I’m in favor of anything we can do to help that,” he notes.\nWendell’s extensive volunteer work has given him a broad sense of “community” and aided him as port director. He served as chairman of the Greater Iberia Chamber of Commerce and currently sits on the Executive Committee of the Board of Directors. He is also co-chair of the Vermilion Chamber of Commerce Business Advocacy Committee and is actively involved in the Greater Iberia Chamber of Commerce World Championship Gumbo Cookoff.\nAn accomplished cook himself, he prepares many of the lunches served at the monthly markets- a little known fact. On weekends, you’ll find Wendell experimenting with new recipes from his home kitchen in Broussard, or working in his garden. And…the only thing that gets him more excited than a bountiful shrimp season is fantasy football season.", "domain": "economics"}
+{"url": "https://www.commercial.care/strategies-for-promoting-employee-engagement-investing-in-employee-development-and-growth", "date": "2024-02-27T16:41:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474676.79/warc/CC-MAIN-20240227153053-20240227183053-00748.warc.gz", "language_score": 0.9622112512588501, "token_count": 1839, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__127780536", "lang": "en", "text": "Employee development and growth are crucial components of any successful business. Investing in these areas not only benefits the employees, but also the organization as a whole. By providing opportunities for employees to learn and grow, companies can enhance their skills, improve their performance, and increase their engagement. In today's competitive job market, it's more important than ever to invest in employee development and growth in order to attract and retain top talent.\nIn this article, we will discuss strategies for promoting employee engagement through investing in employee development and growth. Whether you are a small startup or a large corporation, these strategies can help you create a culture of continuous learning and development that will benefit both your employees and your company. So let's dive in and explore the various ways in which you can invest in your employees' development and growth, and ultimately drive success for your organization. To truly understand the importance of investing in employee development and growth, we must first look at the main reasons why companies are implementing these initiatives. One of the main drivers is to improve the overall health and well-being of employees.\nThis includes mental health support, stress management techniques, tips for achieving work-life balance, and strategies for promoting employee engagement. By providing resources and support in these areas, companies can help their employees thrive both personally and professionally. For example, implementing a mental health support program can significantly benefit employees who may be struggling with anxiety or depression. These programs can include counseling services, workshops on stress management techniques, and resources for self-care. By addressing mental health concerns, companies can create a more positive and supportive work environment for their employees. Additionally, promoting work-life balance is crucial for employee well-being.\nIn today's society where constant connectivity is the norm, it's easy for employees to feel overwhelmed and burned out. By offering flexible work hours, remote work options, and encouraging employees to take breaks and disconnect after work hours, companies can help their employees achieve a healthier work-life balance. Employee engagement is also a key aspect of investing in employee development and growth. Engaged employees are more committed and motivated, leading to higher productivity and job satisfaction. Companies can promote employee engagement by fostering a positive workplace culture, providing opportunities for growth and development, and recognizing and rewarding employees for their hard work and contributions. It's important to note that investing in employee development and growth is not only beneficial for the employees, but also for the company itself.\nStudies have shown that companies with engaged employees have higher profitability and lower turnover rates. By creating a positive and engaging work environment, companies can attract top talent and retain their valuable employees. Overall, investing in employee development and growth is essential for promoting employee well-being and creating a positive workplace culture. By providing resources and support for mental health, work-life balance, and employee engagement, companies can create a healthier and more productive workforce.\nWork-Life BalanceAchieving a healthy work-life balance is crucial for both employees and employers. It not only leads to happier and more fulfilled employees, but also improves productivity and decreases burnout rates.\nHere are some tips for promoting work-life balance in your workplace:\n- Set clear expectations: Make sure your employees know what is expected of them in terms of work hours, response times, and availability. This helps them plan and prioritize their time effectively.\n- Encourage breaks: Encourage your employees to take breaks throughout the day, whether it's a short walk outside or a quick meditation session. This can help them recharge and avoid burnout.\n- Offer flexibility: Allow for flexible work arrangements, such as remote work or flexible hours. This can help employees better balance their personal and professional responsibilities.\n- Lead by example: As a leader, make sure to practice what you preach when it comes to work-life balance.\nIf you are constantly working long hours and not taking breaks, your employees may feel pressure to do the same.\nMental Health SupportIn today's fast-paced work environment, employees are often under a lot of pressure to perform and meet deadlines. This can lead to high levels of stress and anxiety, which can greatly impact their mental health. As employers, it is our responsibility to provide resources and support for our employees' mental well-being.\nMental health supportcan come in various forms, such as employee assistance programs (EAPs), counseling services, and even mindfulness training. EAPs offer confidential counseling and support for employees dealing with personal or work-related issues.\nCounseling services, either through in-house therapists or referrals, can provide employees with a safe space to talk about their mental health and receive guidance and support. Another way to promote mental health within the workplace is by offering mindfulness training. This can involve workshops or classes that teach employees techniques for managing stress, improving focus, and increasing overall well-being. By providing these resources, employers not only show that they care about their employees' mental health but also equip them with tools to better cope with the demands of their job.\nCreating a healthy work cultureis also essential for promoting employee mental health. This can include encouraging work-life balance, promoting open communication, and fostering a supportive and inclusive environment.\nWhen employees feel supported and valued, they are more likely to have better mental well-being and engagement in their work.\nEmployee EngagementEmployee engagement is a crucial aspect of a successful and thriving workplace. It refers to the level of commitment, passion, and connection an employee has towards their work and the organization. When employees are engaged, they are more motivated, productive, and have a higher sense of job satisfaction. This not only benefits the employees themselves, but also the company as a whole. So how can companies promote employee engagement through investing in development and growth? Here are some strategies to consider:\n- Provide opportunities for learning and development - Employees want to feel like they are continuously learning and growing in their roles.\nBy offering training programs, workshops, and conferences, companies can show their employees that they value their personal and professional development.\n- Encourage open communication - A key element of employee engagement is feeling heard and valued. Companies should create an environment where employees feel comfortable sharing their thoughts, ideas, and concerns with their managers and colleagues.\n- Recognize and reward achievements - Employees who feel recognized and appreciated for their hard work are more likely to be engaged. Companies can do this through regular performance evaluations, bonuses, or even simple gestures like a thank you note.\n- Promote work-life balance - In today's fast-paced world, it's important for companies to prioritize the well-being of their employees. By promoting a healthy work-life balance, employees will feel less stressed and more engaged in their work.\nThis will lead to increased productivity, profitability, and overall success for both the employees and the organization.\nBenefits of Investing in Employee Development and GrowthInvesting in employee development and growth is a win-win situation for both employees and companies. It not only helps employees enhance their skills and advance in their careers, but also brings numerous benefits to the company as a whole. Let's take a closer look at why these initiatives are beneficial for both parties.\n1.Increased Employee Engagement and RetentionInvesting in employee development and growth shows employees that their company values them and is willing to invest in their future.\nThis leads to a sense of loyalty and commitment, resulting in increased engagement and retention rates. When employees feel valued and supported, they are more likely to stay with the company for the long term.\n2.Improved Performance and ProductivityEmployees who are continuously learning and developing their skills are more likely to perform better in their roles. As they gain new knowledge and capabilities, they become more efficient and effective, leading to increased productivity for the company.\n3.Enhanced Company Reputation Companies that prioritize employee development and growth are seen as progressive and forward-thinking. This can improve the company's reputation, making it more attractive to potential employees and customers alike.\n4.Better Succession PlanningInvesting in employee development and growth allows companies to identify and groom potential leaders from within the organization. This ensures a smooth succession plan and reduces the need for external hiring, which can be costly.\n5.Positive Work Environment When employees feel supported and have opportunities for growth, it creates a positive work environment. This leads to happier employees, reduced stress levels, and a better overall workplace culture. As you can see, investing in employee development and growth not only benefits employees, but also has a positive impact on the company as a whole. It's a crucial aspect of promoting employee engagement and creating a healthy and thriving workplace. Investing in employee development and growth is crucial for promoting employee well-being and creating a positive workplace culture.\nBy providing resources and support in areas such as mental health, work-life balance, and employee engagement, companies can see an increase in productivity, profitability, and employee satisfaction. It's time for companies to prioritize the well-being of their employees and invest in their growth and development.", "domain": "economics"}
+{"url": "https://www.techspg.com/tag/white-label-solutions/", "date": "2024-04-24T21:19:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296819971.86/warc/CC-MAIN-20240424205851-20240424235851-00342.warc.gz", "language_score": 0.9437482953071594, "token_count": 409, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__36129572", "lang": "en", "text": "How Do Apps Make Money?\nThe mobile app economy has grown exponentially over the last decade and is showing no signs of slowing down. With millions of apps on the market, it’s no surprise that app developers are looking for new ways to monetize their products. So, how do apps make money?\nOne of the most common ways app developers make money is through in-app purchases. This is when users purchase virtual goods within the app. This is often used in games, where users can buy virtual currency, extra lives, or special items. In-app purchases are also commonly used in subscription-based services, allowing users to unlock additional features or content.\nSubscriptions are another popular way for app developers to monetize their products. With this model, users pay a recurring fee for access to the app’s services. This can be a one-time fee, or a recurring fee. Subscriptions are often used for streaming services, cloud storage, productivity tools, and even gaming services.\nAdvertising is another popular way for app developers to make money. With this model, developers integrate advertisements into the app, which can be clicked or viewed by users. Advertisers then pay the developer for the clicks or views. This model is often used in free apps, as it is a great way to generate revenue with minimal effort.\nAffiliate marketing is a form of marketing in which a business pays a third-party to promote their products or services. This is often used in apps, where the app developer will integrate links to third-party products or services. If a user clicks the link and completes a purchase, the app developer earns a commission.\nApp developers have a variety of ways to monetize their products. In-app purchases, subscriptions, advertising, and affiliate marketing are all popular methods for generating revenue. With the right strategy, app developers can make money and grow their business.", "domain": "economics"}
+{"url": "http://tofaenterprise.com/about-us/", "date": "2019-02-22T00:18:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247511573.67/warc/CC-MAIN-20190221233437-20190222015437-00413.warc.gz", "language_score": 0.9656620621681213, "token_count": 290, "dump": "CC-MAIN-2019-09", "global_id": "webtext-fineweb__CC-MAIN-2019-09__0__153177729", "lang": "en", "text": "Tofa Enterprise is a leading wholesale clothing manufacturer in Bangladesh. The company produces some of the most fashionable garment products and owns one of the most comprehensive and resourceful manufacturing facilities in Bangladesh. Tofa enterprise established in the Bahar Market with prime location stand alone shops and branches with leading departmental stores. Tofa Enterprise has started its journey with a garment company in December, 2000. Tofa Enterprise has a resourceful design team lead by experienced designers. Tofa Enterprise deals with local market & also reputed for intuitive designs which attracts a lot of foreign clients to shop from Tofa enterprise outlet. The people of Middle east are quite attrated by the quality desgin & fabrics of Tofa enterprise.\nTofa Enterprise is maintaining the highest standards in terms of customer service, quality of the product, and a wide range-selection to satisfy the needs of the target market. This also helps maintain the organization’s value and reputation in the Bahar Market.\nTofa Enterprise serves the equal opportunity to their employee. We value our team members as they are the face of the company and we encourage their growth and promotion throughout their career at Tofa Enterprise. We also ensure thorough training for the wholesale team members as well as office team members.\nWe treat our customers with high priority and in order to serve them better and meet their expectations, we understand their lifestyle, experience, and needs.", "domain": "economics"}
+{"url": "https://www.jcodigitalmedia.com/seo-case-6/", "date": "2020-05-25T14:17:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347388758.12/warc/CC-MAIN-20200525130036-20200525160036-00349.warc.gz", "language_score": 0.966587483882904, "token_count": 255, "dump": "CC-MAIN-2020-24", "global_id": "webtext-fineweb__CC-MAIN-2020-24__0__30785731", "lang": "en", "text": "Ed’s redesigned website helps him get paid faster.\n“Our business is 100% online. Therefore, not ranking for our services is a death sentence for our business.\nAt first, we just wanted to know why our PPC campaigns weren’t performing.\nHowever, after consulting our local digital agency, we realized our website was outdated, and a redesigned site with SEO capability was the need of the hour.\nWe decided to go down that route, and we couldn’t be happier. The price we’re paying for SEO doesn’t even come close to what we were spending on PPC, and we now have more business coming in than ever before.\nWe also added an ordering form to our site. The form captures all the client’s details; we then submit and invoice the form, and get paid faster.\nPreviously, although simple, the entire process was done manually — using email, phones, etc. Our SEO services are performed monthly and include blogging.\nI can see immediate progress after every monthly post, and even get notified when the blog goes live.”\nEd Karolinski www.affordabledigitizing.com", "domain": "economics"}
+{"url": "https://www.uwalamance.org/index.php/vita", "date": "2021-09-17T02:00:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780053918.46/warc/CC-MAIN-20210916234514-20210917024514-00221.warc.gz", "language_score": 0.9493030905723572, "token_count": 122, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__248135928", "lang": "en", "text": "What is VITA?\nVolunteer Income Tax Assistance (VITA) offers IRS-trained volunteers to prepare taxes for people with a household income of $57,000 or less. By helping families save money with free tax preparation, United Way of Alamance County is offering solutions that move people towards financial independence and a better quality of life. Saving $200 or more can make a big difference in preventing a financial crisis.\nOur summer VITA program has ended!\nWe will be preparing for the 2021 tax season, be sure to check back here in January 2022 for more details.", "domain": "economics"}
+{"url": "http://jasonkwiatkowski.blogspot.com/2013/04/step-3-to-reviewing-business-valuation_17.html", "date": "2019-01-21T04:06:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583755653.69/warc/CC-MAIN-20190121025613-20190121051613-00332.warc.gz", "language_score": 0.8907352089881897, "token_count": 598, "dump": "CC-MAIN-2019-04", "global_id": "webtext-fineweb__CC-MAIN-2019-04__0__139360558", "lang": "en", "text": "The third step to reviewing a business valuation report involves identifying any major scope limitations, restrictions and qualifications rendered on the value conclusions. This helps ascertain whether or not the valuator conducted sufficient work to support the value conclusion. The extent to which the valuator’s scope of review has been restricted can seriously impact the reliability of the valuation findings.\nA business valuation report should explicitly identify any limitations in the valuator’s scope of review. In Canada, Chartered Business Valuators (CBVs) must follow the Practice Standards of the CICBV for Valuation Reports. In this regard, Practice Standard 110 states,\n\"The Valuation Report shall contain a scope of review that clearly identifies the specific information on which the Valuator relied to arrive at a conclusion. Where the conclusion is qualified by a scope limitation, regardless of the type of Valuation Report being provided, the limitation shall be explained, setting out the reasons for the limitation.\" \nPotential scope limitations to consider when reviewing a valuation report include:\n- Not having access to relevant information or key documentation;\n- Not being permitted to interview key individuals;\n- Not conducting a site visit or a tour of the company’s operating facilities;\n- Not relying upon other specialists outside the valuator’s area of expertise (e.g. real estate appraiser, machinery and equipment appraiser, etc.); and\n- Not having reliable financial information (e.g. financial statements prepared internally by management and not audited or reviewed by an external accountant).\nWhere do you find scope limitations in a valuation report?\nScope limitations should be separately identified in the valuation report and may be set out in one of the following sections of the report:\n- Scope of Review & Limitations\n- Restrictions & Qualifications\n- Conclusion (e.g. immediately preceding or after the conclusions)\n- Methodology or Valuation Approach\nLimitations in the scope of a valuator’s review can negatively impact the quality and reliability of the value conclusions. Scope limitations are generally easy to spot as there is typically a section in the valuation report designated for their identification. Occasionally, scope limitations may not be explicitly highlighted in the report. They may be alluded to where the calculations are being explained or in the notes to the schedules where the valuation calculations themselves are contained. It is, therefore, worthwhile to scrutinize the report for any indication that the valuator was limited in his/her scope of review and question what impact that limitation may have had on the valuation conclusions contained therein.\nIf you have any questions regarding matters involving the valuation of your business or if you would like an independent business valuator to assist in your review of a business valuation report, contact us at www.vspltd.ca.\n1. CICBV Practice Standard No. 110 – Report Disclosure Standards and Recommendations (Section 12).", "domain": "economics"}
+{"url": "https://businessclue.eu/sports/aaron-rodgers-signs-new-three-year-150-million-contract-extension-with-packers/", "date": "2023-12-07T17:35:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100677.45/warc/CC-MAIN-20231207153748-20231207183748-00746.warc.gz", "language_score": 0.9723607897758484, "token_count": 611, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__96703831", "lang": "en", "text": "Table of Contents\nGreen Bay Packers quarterback Aaron Rodgers signed a new three-year, $150 million contract extension on November 9, 2023. The new deal makes Rodgers the highest-paid player in the NFL on an annual basis. Rodgers has spent his entire 18-year career with the Packers, leading them to a Super Bowl title in 2011. He is a four-time NFL MVP and four-time NFL Finals MVP.\nThe deal makes Rodgers the highest-paid player in the NFL on an annual basis, with an average annual salary of $50 million. He is also now the first player in NFL history to sign back-to-back contracts worth at least $150 million.\nRodgers’ new contract includes a $100 million signing bonus, which is the largest signing bonus in NFL history. He will also receive a $42 million base salary in 2023, a $59.515 million base salary in 2024, and a $49.3 million base salary in 2025.\nThe contract also includes a number of incentives that could boost Rodgers’ earnings even further. For example, he can earn an additional $1.5 million per year if he leads the Packers to a Super Bowl victory.\nRodgers’ decision to stay in Green Bay is a huge win for the Packers. The 38-year-old quarterback is still one of the best players in the NFL, and he is the heart and soul of the Packers’ offense.\nWith Rodgers under contract, the Packers have a good chance of being contenders in the NFC for the next few years. They have a talented roster, and they are led by one of the best quarterbacks in the league.\nQuotes from Aaron Rodgers and Packers General Manager Brian Gutekunst\nRodgers: “I’m so excited to be back in Green Bay for at least three more years. I love this city, this team, and these fans. We have a lot of unfinished business, and I’m looking forward to getting back to work.”\nGutekunst: “Aaron Rodgers is the best quarterback in the NFL, and he’s the leader of this team. We’re thrilled to have him under contract for three more years. He’s a winner, and he makes everyone around him better.”\nImpact of the contract extension\nRodgers’ contract extension is a major win for the Packers. It ensures that they will have one of the best quarterbacks in the NFL under contract for the next few years.\nThe contract extension also gives the Packers some flexibility in terms of salary cap management. By signing Rodgers to a long-term deal, the Packers have been able to spread out his cap hit over multiple years.\nAaron Rodgers’ contract extension is one of the biggest stories in the NFL this offseason. It is a sign of the Packers’ commitment to winning, and it gives them a good chance of being contenders for the next few years.", "domain": "economics"}
+{"url": "https://www.digital-can.com/medical/", "date": "2024-04-13T00:50:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816465.91/warc/CC-MAIN-20240412225756-20240413015756-00734.warc.gz", "language_score": 0.919322669506073, "token_count": 204, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__73351186", "lang": "en", "text": "EOS’ industrial 3D printing technology allows to produce specialised surgical instruments and medical devices quickly and cost-effectively\nEvery person is unique. Therefore, optimal patient care in dentistry, orthopaedics and implantology requires medical products that provide a perfect fit. There is a high demand for one-off components and components produced in small production runs whose materials and manufacturing standards have to fulfil extremely stringent quality requirements. This also applies to specialised surgical instruments and medical devices. In addition, these products must be made available quickly and cost-effectively.\nAdditive Manufacturing enables producers to come up with faster, more flexible and more cost-effective development and production methods. Unlike conventional manufacturing methods, EOS Additive Manufacturing allows maximum design flexibility, enabling the implementation of innovative functions. Thus, test series, prototypes, patient-specific one-off parts and small production runs can be manufactured at a profit. To give an example, several hundred individual dental crowns can be produced in a single operation.", "domain": "economics"}
+{"url": "https://dolopia.eu/payment-methods/", "date": "2024-04-17T09:43:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817146.37/warc/CC-MAIN-20240417075330-20240417105330-00639.warc.gz", "language_score": 0.8988860249519348, "token_count": 138, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__61216916", "lang": "en", "text": "You can make the payment of your online purchases from the online store by choosing one of the following ways:\nIn case of payment by deposit in a bank account, please fill in the reason for deposit: “Dolopia – Kral Irene”, your name & surname as well as the code of the order.\nBeneficiary of accounts: Irene Kral\nΙΒΑΝ: GR31 0260 2360 0003 0010 0766 521\n* In case of payment by deposit in a bank account, it is necessary to send a copy of the bank deposit slip via e-mail to firstname.lastname@example.org", "domain": "economics"}
+{"url": "https://sourcesofhappiness.com/contribution/maximizing-your-roth-ira-contributions/", "date": "2024-04-19T19:46:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817442.65/warc/CC-MAIN-20240419172411-20240419202411-00068.warc.gz", "language_score": 0.9157454371452332, "token_count": 768, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__64610739", "lang": "en", "text": "When it comes to saving for retirement, a Roth IRA is a powerful financial tool that offers tax advantages and flexibility. For the year 2023, understanding the contribution limits and strategies to maximize your Roth IRA can help you build a solid retirement nest egg. In this guide, we will explore various ways to make the most of your Roth IRA contributions in 2023.\nKnow the Roth IRA Contribution Limits:\nIt is crucial to be aware of the contribution limits set by the Internal Revenue Service (IRS) for Roth IRAs in 2023. For individuals under the age of 50, the maximum annual contribution is $6,000. If you are 50 or older, you can make an additional catch-up contribution of $1,000, bringing the total to $7,000. Understanding these limits is the first step toward maximizing your contributions.\nStart Early and Contribute Regularly:\nOne of the key strategies for maximizing your Roth IRA contributions is to start early and contribute regularly. By making contributions at the beginning of the year, you give your investments more time to grow tax-free. Additionally, setting up automatic contributions from your paycheck or bank account ensures a consistent saving habit, making it easier to reach the maximum contribution limit.\nTake Advantage of Employer-Sponsored Retirement Plans:\nIf your employer offers a retirement plan, such as a 401(k) or 403(b), consider contributing to it alongside your Roth IRA. Employer-sponsored plans often provide matching contributions, which can significantly boost your retirement savings. By taking full advantage of these matching contributions, you can maximize your overall retirement savings potential.\nConsider Backdoor Roth IRA Contributions:\nHigh-income earners may face limitations when it comes to contributing directly to a Roth IRA. However, there is a strategy known as the “backdoor Roth IRA” that can help you overcome these limitations. It involves making a non-deductible contribution to a traditional IRA and then converting it to a Roth IRA. Consult with a financial advisor or tax professional to ensure this strategy aligns with your financial goals.\nLeverage the Power of Tax-Free Growth:\nOne of the primary advantages of a Roth IRA is tax-free growth. By investing your contributions wisely, you can maximize the potential for your investments to grow over time. Consider diversifying your portfolio with a mix of stocks, bonds, and other assets based on your risk tolerance and long-term goals. Regularly review and rebalance your portfolio to ensure it remains aligned with your objectives.\nUtilize Spousal Roth IRA Contributions:\nIf you or your spouse has little or no earned income, you can still contribute to a Roth IRA by utilizing spousal Roth IRA contributions. As long as one spouse has enough earned income to cover the contributions for both individuals, you can contribute to separate Roth IRAs for each spouse. This strategy can effectively double your contribution potential and boost your retirement savings.\nConsider Roth Conversion Strategies:\nIf you have a traditional IRA or an employer-sponsored retirement plan, you may explore Roth conversion strategies. Converting these accounts to a Roth IRA can provide you with tax-free growth potential. However, it is essential to carefully evaluate the tax implications and consult with a financial advisor to determine if a Roth conversion aligns with your financial situation.\nStay Informed and Seek Professional Advice:\nTax laws and retirement regulations can change over time. To ensure you are maximizing your Roth IRA contributions effectively, stay informed about any updates or changes. Consider seeking guidance from a financial advisor or tax professional who specializes in retirement planning. They can help tailor a strategy that suits your specific needs and goals.\nIn conclusion, maximizing your Roth IRA contributions in 2023 requires careful planning and consideration. Start early, and contribute regularly.", "domain": "economics"}
+{"url": "https://kcvoices.org/2018/11/12/beginning-the-conversation-with-the-same-information/", "date": "2023-03-20T18:37:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943555.25/warc/CC-MAIN-20230320175948-20230320205948-00396.warc.gz", "language_score": 0.9538071751594543, "token_count": 480, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__5326121", "lang": "en", "text": "It’s important we start conversations today around integrating Kansas City schools with the same information. School desegregation reached it’s peak in the US in 1988. In the 1987-88 school year, KCPS received a AAA rating from the state, the highest possible. However since Brown v. Board, a series of subsequent court decisions reduced court oversight and the ability of districts to desegregate.\nAmong them: decisions that concluded funding did not need to be equal for students within each state; the Milliken v. Bradley decision which blocked metro-wide desegregation plans; and the Missouri v. Jenkins decision that ultimately blocked salary increases for KCPS teachers and staff as well as funding for quality programs.\n“The Court agreed with the State’s argument after examining the district court’s goal of crafting the School District into one “equal to or superior to the surrounding” suburban school districts. The Court found that salary increases to employees, instructional employees or otherwise, would make the School District more attractive and contribute to the impermissible goal of inducing non-minorities students from outside the School District to enroll in schools within the District.”\n– MO v. Jenkins: The Beginning of the End for Desegregation\nToday the public schools in Kansas City, both district and charter, are very segregated both racially and socioeconomically. While the school aged population in Kansas City is close to 30% white, public school enrollment by white families is nearer to 10%. And although district-wide public school enrollment shows 55% of students are low-income, individual school enrollment rates vary widely – a handful of schools enroll under 30% while many others enroll over 70%.\nThe differences in resources and challenges between these schools is inherently unequal. Privileged segregated schools are proud of their community partnerships, volunteers, parent involvement, and fundraising. But concentrating middle class and affluent families in a few schools directly results in the isolation of low income students in poverty concentrated schools. These schools face many more challenges, including students experiencing trauma from eviction, homelessness, and food insecurity.\nTeaching Tolerance: BROWN V. BOARD: Timeline of School Integration in the U.S.: Trace school integration from 1849 to 2007.\nLoyola University Chicago Law Journal: Missouri v. Jenkins: The Beginning of the End for Desegregation", "domain": "economics"}
+{"url": "http://dentalstaffingmn.blogspot.com/2016/07/", "date": "2020-09-19T21:00:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400192887.19/warc/CC-MAIN-20200919204805-20200919234805-00428.warc.gz", "language_score": 0.9334491491317749, "token_count": 295, "dump": "CC-MAIN-2020-40", "global_id": "webtext-fineweb__CC-MAIN-2020-40__0__38467383", "lang": "en", "text": "Wednesday, July 13, 2016\nAccording to the United States Bureau of Labor and Statistics, Minnesota is not only the third highest paying state for an LDA, but they project a huge growth in that field. There should be more than 58,000 new openings for Dental Assistants up to the year 2024. That amounts to an 18% employment growth, which is much faster than the average for all professions.\nWednesday, July 6, 2016\nThe Benefits of a Career in Dental Hygiene\nIn 2015 the US News and World report ranked a career in dental hygiene as #5 on the list of 100 best jobs. Some of the factors to determine the best jobs include salary, lack of stress, flexibility and job stability.\nAccording to the US Bureau of Labor Statistics 2014-2015, the median national annual salary for dental hygienists is $70,000+.\nLack of stress\nDental practices strive to provide a relaxing, friendly, stress-free environment for their patients and employees.\nMany dental practices offer part-time or full-time with varying hours which can change throughout the years to accommodate one’s needs.\nWith increasing population and valued preventative care, the need for dental hygienist services will grow by 33.3% through 2022, according to the US Bureau of Labor and Statistics.\nMost importantly, the best jobs are the ones that are hiring. Call Dental Staffing Services today!", "domain": "economics"}
+{"url": "https://www.yuentungjewellery.com/about", "date": "2024-04-14T00:41:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816863.40/warc/CC-MAIN-20240414002233-20240414032233-00810.warc.gz", "language_score": 0.9672682881355286, "token_count": 417, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__42976298", "lang": "en", "text": "YUEN TUNG JEWELLERY\nYuen Tung was founded in 1970. We were the first factory set up in Singapore by Hong Kong craftsman on the invitation by then Prime Minister, Mr Lee Kuan Yew, on his visit to Hong Kong to set up a jewellery manufacturing industry in Singapore.\nYuen Tung started out as a pure manufacturing factory in the Lower Delta factory supplying jewellery to jewellers in Singapore and Malaysia. Industry changes, high manufacturing and labour cost triggered Yuen Tung Jewellery to transform from a pure manufacturing factory to a custom make private jeweller. Yuen Tung has since been making pieces for individual clients in the same premises.\nMr Lui Kam Wah, started his apprenticeship at age 13, learned his craft and his business philosophy in his native Hong Kong. He ventured to Japan (which is renowned for it's workmanship) for 5 years to work as a master craftsman. Upon return, he saw the opportunity and decided to move to Singapore and set up the business with a partner.\nThe family owned business now, has a friendly and casual atmosphere. His son, Whye Hoe, a graduate gemologist has become part of the business back office and the face of the store, doing buying and trading overseas as well as at the retail showroom.\nYuen Tung specializes in custom made jewellery, wedding bands and engagement rings, providing quality and beautiful jewellery. Over the years, many of our clients have become close friends and are into the third generation clientele. It is our continuous pleasure to serve you and it is in our hope, that Yuen Tung will continue to be deemed your personal jeweller. And to our new clients, we hope you will visit us soon and experience it for yourself.\nHandcrafted customized jewellery available in White Gold, Yellow Gold, Rose Gold and Platinum\nDiamond / Gems / Pearls / Jade / Semi-precious stones", "domain": "economics"}
+{"url": "https://codefixit.com/blog_details/tech_news/what_is_the_future_plan_of_nokia", "date": "2023-03-27T16:59:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296948673.1/warc/CC-MAIN-20230327154814-20230327184814-00320.warc.gz", "language_score": 0.9671149253845215, "token_count": 946, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__216467352", "lang": "en", "text": "What is the future plan of the Nokia company?\nNokia is a multinational Company that operates in several industries, including mobile and fixed networks, enterprise software, and digital health. Nokia's current strategy is focused on three key areas: network infrastructure, software, and licensing of its patents.\nNokia Company overview\nNokia is a multinational telecommunications and consumer electronics company based in Espoo, Finland. It was founded in 1865 as a pulp mill. It has since evolved into a significant player in the mobile phone industry, particularly during the early 2000s when it dominated the global market.\nIn the 1980s, Nokia shifted its focus to the telecommunications industry and became a leading manufacturer of mobile phones. In the early 2000s, Nokia was the world's largest mobile phone manufacturer and was known for its durable, reliable, and user-friendly devices.\nToday, Nokia is a major player in the telecommunications industry, offering a wide range of products and services, including network equipment, software, and services for 5G and IoT, digital health solutions, and consumer electronics. The company operates in over 100 countries and has a strong presence in Europe, Asia, and North America.\nIn recent years, Nokia has been focused on transforming its business to meet the changing needs of the technology industry. The company has made significant investments in research and development to develop new technologies and solutions and has been working on expanding its partnerships and diversifying its business into new markets.\nNokia is known for its commitment to innovation, sustainability, and customer satisfaction. The company has set ambitious goals to reduce its carbon footprint and has been recognized for its efforts in corporate social responsibility. Overall, Nokia is a leading player in the technology industry, known for its strong heritage, innovative products, and commitment to creating a positive impact on the world\nWhy Nokia company has changed its logo after 60 years?\nIn 2021, Nokia, the Finnish multinational telecommunications company, announced a new brand identity, including a new logo and visual style. This change comes after 60 years of using the previous logo, which was first introduced in 1965 and has gone through several updates over the years.\nThe new logo features a modern, minimalistic design with a lowercase font and a softer shade of blue. According to Nokia, the new logo represents their focus on the future and their commitment to creating innovative technologies that improve people's lives.\nThe decision to change the logo is part of Nokia's broader strategy to position itself as a leading player in the 5G and digital transformation markets. Nokia has been investing heavily in research and development to stay ahead of the curve in these areas, and the new branding is intended to reflect this forward-thinking approach.\nNokia's new visual identity also includes new graphics, photography, and a new website design. The company's new tagline, \"Together, We Can,\" reflects Nokia's belief in the power of collaboration and partnerships to drive innovation and positive change.\nNokia's decision to change its logo after 60 years is part of its efforts to evolve and adapt to changing market dynamics while staying true to its core values and commitment to innovation\nWhat is the future plan of Nokia company?\nNokia has several future plans to stay at the forefront of the technology industry and meet the evolving needs of its customers. Here are some of Nokia's key plans for the future:\nExpanding into 5G and IoT: Nokia is committed to being a leader in the 5G and Internet of Things (IoT) markets. The company is investing heavily in research and development to develop new technologies and solutions for these areas.\nDeveloping sustainable technology: Nokia is dedicated to reducing its carbon footprint and developing sustainable technology solutions. The company is working to reduce energy consumption in its products and manufacturing processes and has set ambitious targets to reduce greenhouse gas emissions.\nEnhancing customer experience: Nokia is focused on delivering a superior customer experience. The company is investing in digital tools and technologies to improve customer support and is working to create personalized, tailored solutions that meet the unique needs of each customer.\nExpanding partnerships: Nokia is partnering with other technology companies to drive innovation and create new solutions. The company is collaborating with leading firms in areas such as cloud computing, AI, and cybersecurity to develop new products and services.\nDiversifying its business: Nokia is exploring new business areas beyond its traditional telecommunications roots. The company is expanding into new industries such as healthcare, transportation, and public safety, leveraging its expertise in technology to create new solutions for these markets.\nOverall, Nokia's future plans are focused on staying ahead of the curve in the technology industry, meeting the evolving needs of its customers, and driving innovation and positive change.", "domain": "economics"}
+{"url": "http://www.isfit.org/articles/172", "date": "2013-05-18T17:36:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368696382584/warc/CC-MAIN-20130516092622-00024-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9478585124015808, "token_count": 243, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__132097254", "lang": "en", "text": "It is a while since we started the preparations for the next festival in February, but there is still a lot to be done. We still need both participants and volunteers to help us create a wonderful festival. Use the new website to read about this year’s theme, conflict areas and the Dialogue Groups, and do not forget to apply as either a participant or a volunteer!\nThe theme of ISFiT 2013 is Global Trade. What are your thoughts about international trade? Is it fair? What can the consequences be of inequality in trade, and how can it be changed for the better? Join the trade debate at the ISFiT 2013 Festival in Trondheim, Norway and get a head start on our Twitter and Facebook pages before the festival.\nWhen you think of ISFiT, we want you to imagine a place where you can feel inspired, think freely and trade your ideas with other young minds. That is why we have also created a concept for the festival and are now revealing it together with the launch of the website. The concept of ISFiT 2013 is Trade Your Ideas. In addition to sum up our mission with the festival, the concept also coheres with the festival theme.", "domain": "economics"}
+{"url": "https://primarytimes.ie/west_ireland/competitions/2021/05/112863-win-500-worth-of-solar-panels-installation-plus-150-restaurant-vouchers-", "date": "2021-06-12T22:54:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487586465.3/warc/CC-MAIN-20210612222407-20210613012407-00243.warc.gz", "language_score": 0.9501972198486328, "token_count": 507, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__57105031", "lang": "en", "text": "Ireland's No. 1 FREE magazines for parents & teachers of primary school children\nJK Services has been proudly taking care of Munster's electrical services for over 35 years, and to celebrate, are giving away a voucher for €500 for solar panels installation for a family home PLUS a €150 restaurant voucher for The Glass Curtain, Cork, and a runner-up prize of €150 restaurant voucher for The White Horse in Cork.\nA solar panel system can be installed on the roof of most homes by JKS, and south facing to be most effective - or alternatively fixed onto external walls or located on the ground. Lower the cost of your electricity bills, heat your home using solar power - increase the resale value of your home.\nAs energy prices continue to rise, more and more people are looking to renewable energy such as solar panels for their home. By installing solar panels, not only will you be able to make savings on your fuel bills, but a new Government scheme will also mean individuals will be able to sell their own renewable electricity into the national grid in the near future. The average family* will save €400 per year on their electricity bills using solar panels on their home. They will also be entitled to a ��2,100 grant from SEAI for the solar panel installation which costs approximately €5,400. This means an annual return on their investment of 12% for the lifetime of the installation – not bad when banks are offering 0% return on savings!\nT&Cs apply. Competition entries accepted via website only. The promoter’s decision is final. Prize is €500 JKS solar panels installation for home (or electrical work to the same value) plus €150 restaurant voucher for The Glass Curtain, Cork. One runner-up prize of €150 restaurant voucher for The White Horse, Cork. No cash alternative. Prize is non-negotiable and cannot be transferred. Full details on request. Personal email address is required to enter. Opt-in marketing newsletter is not a condition of entry. Only Irish residents aged 18 and above are eligible to take part. Closing date 30 May 2021. Full T&Cs available on JK Services website. This competition is not endorsed, sponsored or administered by Facebook, nor is Facebook associated with the contest.\n*Example based on a family of 4, with a house built in 2002 Macroom Cork where there is someone home 50% of the time. Figures based on a 3KW system installed on a south facing roof.", "domain": "economics"}
+{"url": "https://lifethroughmy4eyes.wordpress.com/2011/12/05/inca-kola-the-david-to-coca-colas-goliath/", "date": "2023-02-08T07:21:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500719.31/warc/CC-MAIN-20230208060523-20230208090523-00247.warc.gz", "language_score": 0.9860190153121948, "token_count": 497, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__105608864", "lang": "en", "text": "Inca Kola is a soft drink (or as I call it, pop) that originated in Peru in 1935. It was created by an English immigrant and is as ubiquitous in Peru as Coca Cola is in the United States. Widely popular in Peru, it does not have much of a role in foreign markets, outside of the Latin American specialty shops. The drink is yellow in color and apparently was made from 13 different flavors derived from plants and carbonating it; strangely, the drink tastes like bubble gum (so maybe bubble gum isn’t all artificial flavor after all?). I doubt that today it is still made from plants, but it is nice to know its humble roots were organically based!\nThe drink was a success and grew in popularity over the years. During the 1940’s, Peru began experiencing a movement toward national pride and Inca Kola used this to their advantage by heavily advertising the drink with traditional Inca icons which the population slowly accepted as the unofficial drink of Peru. (The real drink of Peru is Chicha, a corn based beer). Since then, this drink has increased in popularity and market share and put a dent (temporarily) in the global domination of Coca Cola.\nPeruvians are fiercely patriotic (much like Brazilians) and to stop supporting their “national” drink was ludicrous. Inca Kola dominated the market and kept Coca Cola at bay. Sometime in the 90’s, most fast food chains (notorious for serving Coca Cola products) switched from offering regular Coca Cola to Inca Kola. Talk about a slap in the face! Until this point, Coca Cola had never had any real competition, let alone from a much smaller operator. Who would have thought that a small Peruvian company could take on such a goliath…and win!\nI think this just goes to show what can be done by a company who knows their market and knows how to brand themselves within that market. They definitely did not have the kind of money that Coca Cola had (and has), yet they were able to maintain so much market share that the only way Coca Cola could win was to purchase the company; which it did in 1997. Inca Kola still owns the trademark rights within Peru and even operates the bottling process for domestic and global markets. There are only two other smaller bottlers in the USA that supplant it.", "domain": "economics"}
+{"url": "https://www.nurturingmindsinafrica.org/blog/2018/6/1/graduates-continue-entrepreneurial-education", "date": "2019-08-19T05:28:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027314667.60/warc/CC-MAIN-20190819052133-20190819074133-00359.warc.gz", "language_score": 0.9709903001785278, "token_count": 211, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__70196235", "lang": "en", "text": "Graduates Continue Entrepreneurial Education\nGraduates Take Courses and Raise Money for Future Enterprises\nWe are pleased to say many of the 2013 Sega graduates who finished their formal education in December are continuing their studies in Entrepreneurship. This past Saturday, fourteen of the graduates enrolled in a 10-week course at the Magadu Entrepreneurship & Business Training Institute (MEBTI). This course is sponsored by Sega and designed to be the final culmination of all the business training the students have received.\nThese students also have a plan to raise money to help start their businesses at the end of the MEBTI course. To do so, the girls will attend other MEBTI conferences and events where they will sing, dance and tell poems in exchange for donations. These donations will be divvied up among the students to help with the initial funding of their enterprises. The girls performed at one such conference last week and it was a great success!\nWe are proud of our graduates for taking steps to help their dream businesses become realities!", "domain": "economics"}
+{"url": "http://bankingunion.eu/", "date": "2018-03-19T06:59:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-13/segments/1521257646602.39/warc/CC-MAIN-20180319062143-20180319082143-00139.warc.gz", "language_score": 0.9504751563072205, "token_count": 2318, "dump": "CC-MAIN-2018-13", "global_id": "webtext-fineweb__CC-MAIN-2018-13__0__116177495", "lang": "en", "text": "The health of the European banking system has come back into the media spotlight. The recent fall in bank shares; the creation of the Italian “bad bank”; and Britain’s demands to shield its banks from rules governing the euro region; suggest that the debate on the design and functioning of the European banking regulatory architecture will be on the table in the following months.\nGiven the complex and evolving nature of European banking regulation, there is much confusion about what has already been established and what plans are being discussed. We hope to clarify the current and proposed state of the European bank regulatory architecture. We differentiate which rules and institutions form the so-called “banking union” and which rules are part of the more general EU single market for financial services.\nRelevant banking rules and institutions that apply to:\n|All EU Member States|\n|Banking Union Member States|\n|EEA/EFTA||The majority of relevant EU Single Market legislation applying to all EU members in the area of financial services has been adopted in the EEA agreement. However, the following important legislation has NOT been incorporated yet (although they are expected to be incorporated soon): EU Regulations on the European Supervisory Authorities (including the EBA); BRRD; and the last revisions of CRD/CRR and DGSD.|\n|Switzerland||Bilateral agreements with the EU (there is one small bilateral agreement with Switzerland in financial services, specifically on non-life insurance)|\nRules and Institutions Applying to All EU Member States\nThere is a set of financial legislation known as the “Single Rulebook” that applies to all 28 EU member states. The idea behind this term, which took shape in the De Larosiere Report, relates to the harmonisation and furthering of the single market with the aim of ensuring a level playing field between financial institutions. However, the single rulebook is a political rather than a legal concept and comprises a variety of specific acts ranging from secondary legislation (regulations and directives) to technical standards.\nAlthough the substance of this body of law touches different parts of the financial field, three of the most important single-rulebook pieces are directly related to banking. These are the Capital Requirements Directive IV (CRD IV) and the Capital Requirements Regulation (CRR), the Bank Recovery and Resolution Directive (BRRD) and the Deposit Guarantee Scheme Directive (DGSD), which lay down capital requirements for banks and create regulation to the prevention and management bank failures, including a minimum level of protection for depositors.\nThere are also several pan-EU institutions that constitute the European System of Financial Supervision (ESFS), which is responsible for ensuring supervision of the whole Union’s financial system. The ESFS includes bodies such as the European Banking Authority, whose mandate is to produce a number of Binding Technical Standards (BTS) for the implementation of the CRD IV package and the BRRD. It also includes the European Systemic Risk Board (ESRB), which is responsible for the macro-prudential oversight of the financial system within the Union.\nRules and Institutions Applying to “Banking Union” Member States\nApart from EU-wide rules and institutions, there is a set of legislation and institutional arrangements known as banking union that currently applies only to the 19 euro-area members. It has three pillars:\nThe first pillar is the Single Supervisory Mechanism (SSM) which was established by the SSM Regulation. Under the SSM framework, the European Central Bank became the main supervisory authority for the member states participating in the banking union, although the supervisory tasks are performed in close cooperation with the National Competent Authorities (NCAs).\nThe second pillar is the Single Resolution Mechanism (SRM), which in turn is comprised of the Single Resolution Board (SRB) and the NCAs of the banking-union member states. Both the SRB (an independent EU agency) and its resolution fund, known as the Single Resolution Fund (SRF), were established by the Single Resolution Mechanism Regulation. However, the details of how the SFR is funded are arranged by the Intergovernmental Agreement (IGA) on the Transfer and Mutualization of Contributions to the Single Resolution Fund.\nThe third pillar, known as the European Deposit Insurance Scheme (EDIS), is still under construction. It would go further than the deposit insurance directive, which only sets minimum national deposit insurance requirements, by creating a new banking union-wide deposit insurance scheme. Even though, the Commission introduced a proposal for the scheme in November 2015, there are some member state policy-makers opposing it, notably in Germany.\nRules and Institutions Applying to EEA/EFTA Members\nThere is another group of countries outside of the EU that is subject to a set of EU banking legislation. The European Free Trade Association (EFTA), an intergovernmental organisation set up for the promotion of free trade and economic integration, is composed of Switzerland, Iceland, Liechtenstein and Norway. Whereas Switzerland participates in the European Union's single market through bilateral agreements, the other three EFTA countries together with the rest of EU Member States form the European Economic Area (EEA) through the Agreement on the European Economic Area (EEA). The EEA joint committee has to decide whether a specific piece of EU legislation should be adopted into the EEA treaty, and therefore adopted by the three EFTA countries participating in it (even though specific amendments can be made).\nThat is why the non-EU countries Norway, Liechtenstein and Iceland are transposing, for instance, the BRRD and DGSD into national law (although these legislative acts have not been yet incorporated to the EEA agreement, they are expected to be included soon). Because Switzerland does not participate in the EEA, it does not have to implement the EU financial services legislation (however it has decided to unilaterally introduce a resolution regime similar to the BRRD).\nNot every piece of EU financial legislation has been adopted in the EEA Agreement. For example, the negotiations for adopting the regulation establishing the EBA have not concluded yet since some EEA/EFTA countries expressed their concern over the consequences of being bound by an external authority. For more information on this issue see this, this, and this.\nThis complex mix of legislation and institutions naturally can create confusion. Here are some frequently asked questions:\n1) Do non-euro area members participate in the banking union?\nOut of the 9 non-euro area members, 7 members (Bulgaria, Croatia, Czech Republic, Sweden, Hungary, Poland, Romania) are obliged to join the eurozone and so also the banking union once convergence criteria are met. However, non-euro area countries can join by establishing a close cooperation agreement with the ECB (see \"European banking union: should the ‘outs’ join in?\"). The two non-euro area members with an opt-out of the euro (Denmark and United Kingdom) also have the possibility of joining the banking union without joining the euro.\n2) How do national regulators interact with the Single Supervisory Mechanism and the Single Resolution Mechanism?\nIn respect to supervision, both the ECB and the National Competent Authorities (NCA) form the SSM. Based on different criteria, the ECB directly supervises the ‘significant banks’ of the banking union participant countries whereas the ‘Less significant’ banks continue to be supervised by their national supervisors, in close cooperation with the ECB. However, the ECB is the license-granting authority for all banks including the less significant ones. Only “day-to-day supervision” is delegated to NCAs. Regarding resolution powers, both the SRB and the NCAs are part of the SRM. However, the decision on the resolution schemes is carried out by the SRB whereas the execution of such resolution is done by the NCAs.\n3) Is the BRRD part of the banking union?\nThe BRRD provides common rules for dealing with failing banks, and it is applied across the whole EU. However, this piece of legislation cannot be considered part of the banking union. Its initial version was published in early June 2012, several weeks before the banking union agreement, following months of consultations. For countries outside of the banking union, these rules are implemented by national authorities. As explained in the previous paragraph, for countries in the banking union, the SRB decides on resolution schemes whereas the execution of such resolution is done by the NCAs.\n4) How are the Deposit Guarantee Scheme Directive and European Deposit Insurance Scheme related?\nThe original Directive on Deposit Guarantee Schemes was adopted in 1994 in order to promote depositors’ confidence in the banking system through a minimum harmonization of national deposit schemes. Because of the financial crisis, the directive has been revised on two occasions since 2008. Firstly, the Directive of March 2009 required Member States to increase coverage of their DGS up to € 100 000. A second amendment was adopted in 2014 in order to ensure that DGS will be able to fulfil their obligations towards depositors, and faster access to deposits after a bank failure will stabilise the confidence of depositors and ensure financial stability. The implementation and, importantly, funding of each scheme remains with each member state. In contrast, the European Deposit Insurance Scheme would be a banking union-wide institution pooling funding from banks across the banking union. Though, at present, it is just an EU Commission’s proposal that aims to create a single European deposit scheme for the euro area members.\n5) What is the difference between the EU-wide stress tests and the Asset Quality Review?\nSSM authorities (the ECB together with the national supervisors) carry out financial health checks of the banks they supervise directly. These checks are known as Comprehensive Assessments, which are composed of two pillars: the Asset Quality Review (AQR) and Stress Tests. Covering only banking union members, the AQR focuses on the resilience of banks’ balance sheets through an assessment of data quality, asset valuations, classifications of non-performing asset exposures, collateral valuation and provisions. However, even though the stress tests are also part of the SSM comprehensive assessment, their scopes go beyond the banking union framework. Being coordinated by the EBA in cooperation with SSM authorities and covering euro and non-euro area members, these tests are a forward-looking view of banks’ shock-absorption capacity under stress.\n6) Why is there an Intergovernmental Agreement for the Single Resolution Fund?\nThe SRM Regulation establishes the Single Resolution Board and the Single Resolution Fund. In the initial phase, the SRF is composed of national compartment funds. National authorities from participant member states will collect contributions from banks and will transfer them to these national compartments in a transitional period of 8 years. This mutualization of financial resources is regulated by an Intergovernmental Agreement (IGA) in order to avoid legal challenges that might derive from it.\nMoreover, the IGA envisages the potential participation (and contribution to the Fund) of the non-euro area Member States. This is why the agreement was signed by 26 EU member states (all except Sweden and the United Kingdom), although it only has been ratified by euro area members as parts in the SRM.", "domain": "economics"}
+{"url": "https://ritterag.com/other-services/", "date": "2022-05-22T22:14:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662550298.31/warc/CC-MAIN-20220522220714-20220523010714-00498.warc.gz", "language_score": 0.8667246699333191, "token_count": 133, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__100233332", "lang": "en", "text": "Ritter Oil Company sold certain assets and executed a long-term lease agreement related to Ritter’s fuel, lube and fuel services business to Mid-South Sales on Feb. 21, 2012. If you are looking for high-quality petroleum products in Arkansas, Alabama, Tennessee, Mississippi or Missouri, we recommend them.\nVisit the Mid-South Sales website »\nRitter Crop Services was sold to Nutrien AG Solutions on Feb. 27, 2012. We recommend CPS for your crop services needs in the Mississippi River Delta region and throughout the Midsouth.\nVisit the Nutrien Ag Solutions website »", "domain": "economics"}
+{"url": "https://procaresoftware.zoom.us/webinar/register/WN_wOOraJXeQ6up2yuskbg3zA", "date": "2020-10-25T13:54:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107889173.38/warc/CC-MAIN-20201025125131-20201025155131-00368.warc.gz", "language_score": 0.9491834044456482, "token_count": 170, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__13277252", "lang": "en", "text": "Heightened health, safety and financial concerns in the U.S. have introduced a host of new challenges to the child care industry. Despite these challenges, many child care providers across the U.S. are achieving their business goals by making practical adjustments in their approach. How exactly are they doing it? In this webinar, Evelyn Knight, the Childcare Business Coach and successful child care center owner, will provide some of her top tips for navigating a challenging economy to not only survive, but thrive. In this webinar, you’ll learn:\n- Easy-to-implement strategies to grow enrollment.\n- How to leverage automation to understand and improve your financial picture.\n- Ways to transform your internal and external communication to not only build a better, more resilient culture, but also create advocates among your parent community.", "domain": "economics"}
+{"url": "http://oswegony.org/city-news-releases/news-story/mayor-barlow-announces-decline-in-city-overtime-for-second-consecutive-year/", "date": "2019-01-23T11:53:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547584331733.89/warc/CC-MAIN-20190123105843-20190123131843-00215.warc.gz", "language_score": 0.96164870262146, "token_count": 539, "dump": "CC-MAIN-2019-04", "global_id": "webtext-fineweb__CC-MAIN-2019-04__0__119298713", "lang": "en", "text": "Mayor Barlow announces decline in City overtime for second consecutive year\nCity of Oswego Mayor Billy Barlow announced today that for the second year in a row City overtime expenses have declined. Total overtime for all City of Oswego departments combined in 2017 was $857,395. The total for year 2017 was significantly less than the official total for 2016 at $1,008,502, the first year of Mayor Barlow’s administration, and significantly less than the total in 2015 at $1,228,384. All three major Oswego City departments, including the Department of Public Works, Oswego Fire Department and Oswego Police Department reduced their amount of overtime usage in the last year with the most substantial savings in the Department of Public Works, reducing overtime from $375,604 in 2015 to $242,762 in 2016 to $169,225 in 2017.\n“Since taking office I have identified City overtime as an area to save money by making our departments more efficient, effectively using on shift personnel and properly allocating our resources. After trying new, innovative ideas and pushing for increased productivity we have managed to reduce our overtime expenditures by $371,000 in just two years”, said Mayor Barlow. “Moving forward we will continue to focus on managing our overtime and working on behalf of all taxpayers to control our spending and cut obvious waste in City government. We need to have the Oswego taxpayer’s interests at the forefront of our decision making and ensure we do our best to manage our departments while maintaining the quality of service our residents are accustomed to”, the Mayor said.\nCouncil President Rob Corradino (R-7th Ward) applauded the Mayor and his department heads for working to reduce overtime expenditures and expressed his support for reducing costs and increasing efficiencies. “Mayor Barlow has consistently pushed his department heads to find savings and cut waste in their respective departments. The notable reduction in Citywide overtime is a testament to Mayor Barlow and the Oswego Common Council’s commitment to properly managing our City’s finances as we work adamantly to reduce the cost of local government for Oswego City taxpayers”, said Corradino. “As President of the Common Council, I pledge to continue identifying ways to reduce costs and ensure local government is being fiscally responsible at all times”, Corradino concluded.\nMayor Billy Barlow also announced today the date and location of the 2018 State of the City Address, scheduled for Tuesday, January 30th at 6pm at G.S. Steamer’s in Oswego.", "domain": "economics"}
+{"url": "http://www.electricity.tas.gov.au/households-and-small-businesses/fact-sheets/", "date": "2014-03-11T19:07:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-10/segments/1394011249133/warc/CC-MAIN-20140305092049-00012-ip-10-183-142-35.ec2.internal.warc.gz", "language_score": 0.9267110824584961, "token_count": 411, "dump": "CC-MAIN-2014-10", "global_id": "webtext-fineweb__CC-MAIN-2014-10__0__2626385", "lang": "en", "text": "The Tasmanian Government has made some changes to its energy reform program in response to challenges in the external market. However, plans to introduce full retail competition to Tasmanian households and small businesses from 1 July 2014 remain in place.\nThe Government has closed the current sale process for Aurora Energy’s retail customer base following advice that this will not deliver the Government’s reform objectives at this time. These include achieving a fair and reasonable price for the customer asset.\nAurora Energy’s retail business will continue as the regulated electricity retailer serving Tasmania’s residential and small business customers.\nCustomers will not be assigned to a new retailer from 1 January 2014.\nWhere to from here?\nThe Tasmanian retail electricity market will be open to full retail competition, commencing from 1 July 2014. From this date, new retailers will be able to operate in Tasmania.\nThe Government continues to support the future sale of Aurora’s retail customer base and will proceed when market conditions improve.\nThe planned merger of Transend Networks and Aurora’s network business will continue. The new business, TasNetworks, will start operating on 1 July 2014.\nWhat’s been achieved?\nA large program of work to implement the Government’s reforms and provide benefits for Tasmanians has already been completed.\n- Delivering a price decrease of at least 5.23 per cent to customers on 1 January 2014.\n- Updating the concessions framework to support vulnerable Tasmanian households.\n- Completing a major asset replacement program in the State’s electricity networks.\n- Proceeding with the merger of the network businesses.\n- Providing certainty on feed-in tariff arrangements for small solar customers and the industry.\n- Ensuring transparency of the wholesale price setting framework.\n- Consolidating the generation portfolio through the transfer of the Tamar Valley Power Station to Hydro Tasmania.\nFor more details, read the statement from the Minister for Energy and Resources, Hon Bryan Green MP.", "domain": "economics"}
+{"url": "https://nameit.auction/naming-rights/", "date": "2023-12-03T14:11:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100508.23/warc/CC-MAIN-20231203125921-20231203155921-00839.warc.gz", "language_score": 0.9536763429641724, "token_count": 1038, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__145150421", "lang": "en", "text": "Passive Income Through Naming Rights\nThere are many ways of generating a passive income. Some venture into video content creation and writing eBooks, while others buy stocks or invest in real estate. As long as you have more time to spare, you’ll get the extra money while pursuing your primary job.\nBut did you know that there’s a new exciting way of generating a passive income? It’s by selling your vacant space or property for “naming rights” where companies can print their brand’s name or logo to promote their products or services.\nWhat are Naming Rights?\nNaming rights are a form of advertising where a company purchases the right to name objects, facilities, locations, or an event for the desired period. In other words, a buyer can use your free space as a marketing property, or medium to help them build brand awareness, increase revenues, and retain customers.\nAccording to studies, consistent brand presentation across all platforms and mediums increases revenue up to 23 percent. And with an impressive design, colour, and word use, it would only take 5 to 7 impressions for consumers to remember your brand. Companies just need the right tools and perfect location to get people’s attention.\nIf a company decides to use naming rights to promote their brand, the possibilities are endless. An interested buyer can name or put their brand names on billboards, buildings, parks, walls, or anywhere they want to have their name. These would generate passive earnings to the seller without exerting too much time and effort.\nHow Do Naming Rights Work?\nMany companies would love to put their brands outside, but some companies are struggling to do so, especially small start-ups. One factor can be an un-favourable location, and second, the costly advertising fees.\nIf you have an unused vacant space, you can sell the rights for that space so a company can use it as a billboard to advertise their products. If you’re looking for ways to earn money for your Council, Hotel, or in fact any organisation or individual at all, start using your vacant spaces to help other corporations promote their brand and put money in your pocket!\nIf you own a car, selling naming rights to the buyer allows them to wrap your car with their brand’s design, theme, and colour. Your car is still your own, but you are now earning money by promoting their brand using your car.\nIf you are looking into financing your sports club, you can sell the naming rights to businesses that are looking to advertise. They can get their logo printed on guernseys, oval fencing, locker rooms, merchandise or even the grass itself and get their branding known to the crowd.\nThough most people are now on their smartphones, nothing beats the classic, and strategic way of putting brand names on something they’ll always actually see—or somewhere they rarely expect to see branding. Seeing a brand logo with a powerful tagline, on exciting or unexpected places, can be a mysterious talk of the town. The advertising party will get a wider reach and a greater impact on their business.\nAside from billboards or spaces, you can name new streets, even name a Hotel, a Stadium or a local sports team. The brand can be stamped on restaurant menus, coffee shop tables, park benches, apparels, the list goes on and on. A buyer can even use the available space to name it after their loved ones. As we’ve mentioned, the possibilities of putting these names out there are endless.\nSo if you have something you think you could sell the naming rights for—and we mean everything and anything at all—then don’t hesitate to put up your listing right away. Our buyers are waiting for you.\nNaming rights will greatly benefit businesses by creating unlimited exposure. It will keep their brands visible for consumers to remember without spending so much on advertising, but most importantly, you now have a unique way to generate passive income with minimal effort.\nHow Can I Sell Naming Rights?\nBranding is crucial for the success of any business. And advertising their brand helps them stand out against their competitors. They will always look for ways to expand their marketing campaigns, where they can constantly and consistently advertise their products and services. To effectively do so, they will need all the strategic spaces and locations where they can print their name.\nCompanies will use NameIt.Auction to look for items, spaces, or locations to bid and put their name on. The highest bidder of the space or item you are selling will have the right to name your property. Now, how exciting is that?\nStart selling naming rights here at NameIt.Auction, a passive income generating platform that benefits both buyer and seller. It’s convenient and easy to use, you get to sell your space right away. As a seller, you no longer need to waste time or exert so much effort to generate extra revenue.\nSign up and post your first auction. Start selling and generating your passive income today.", "domain": "economics"}
+{"url": "https://copyrocket.ai/how-to-get-chatgpt-to-write-a-business-plan/", "date": "2024-02-27T19:04:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474686.54/warc/CC-MAIN-20240227184934-20240227214934-00517.warc.gz", "language_score": 0.9051222801208496, "token_count": 1955, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__6304110", "lang": "en", "text": "Embarking on the journey of turning a business idea into reality is a thrilling venture, but the complexity of crafting a comprehensive business plan can be daunting. Worry no more, as today’s advanced AI tools, including ChatGPT, offer unprecedented assistance in the business planning process.\nIn this guide, we delve into the transformative powers of AI, enabling you to meticulously outline your business structure, finetune your market positioning, captivate your target audience, and devise robust sales strategies with ease.\nWith a few keystrokes, you gain access to a cutting-edge business planning tool that streamlines creating a basic business plan outline.\nDiscover how to leverage AI not just to write a business plan but to reimagine the entire planning landscape, from conceptualizing your organizational structure to forecasting financial success.\nLet’s embark on this journey together, transforming your visionary business idea into a tangible and actionable blueprint for success.\nHow to Utilize ChatGPT Prompts for Crafting Your Business Plan\nCreating a solid business plan is crucial to your venture’s success, serving as a roadmap for your business’s future. With AI’s rise, particularly ChatGPT, you can simplify this vast undertaking.\nHere’s how to harness ChatGPT’s capabilities to construct each key component of your business plan.\nOverview of the Business\nTo start, ask ChatGPT to provide a comprehensive description of your business overview. Begin by introducing your business name, model, and unique selling proposition.\nYou can try our Free AI Chat Bot to utilize GPT-4 for free.\nElaborate on the value it offers to the target market, ensuring that specific details are included to encapsulate the essence of your business idea. By adding more depth and detail, you can paint a clearer picture of your business and its potential impact.\nAnalysis of the Market\nNext, it is highly recommended that ChatGPT undertake a comprehensive market analysis to ensure a robust understanding of the current market landscape. By incorporating in-depth analysis of market trends, identifying key competitors, and gaining valuable insights into the target audience, you will be equipped with an up-to-date market research section that can greatly enhance your decision-making process.\nIt is important to remember that this research will complement the precision of AI-generated data, resulting in a comprehensive and well-rounded analysis for your business.\nDescription of Products and Services\nDirect ChatGPT is designed to provide you with a comprehensive outline of your offerings, ensuring that you have all the information you need.\nStrategies for Marketing and Sales\nInstruct ChatGPT to leverage its capabilities in formulating highly effective marketing and sales strategies. By utilizing advanced algorithms and data analytics, ChatGPT can assist in identifying the ideal customer acquisition channels, conducting market research, and crafting a compelling unique value proposition.\nWith its vast knowledge and insights, AI can generate a comprehensive marketing plan that includes potential pricing strategies, sales techniques, and revenue generation strategies. This enables businesses to optimize their marketing efforts and drive sustainable growth in a competitive market landscape.\nPlan for Operations\nChatGPT, our advanced AI assistant, can provide valuable assistance in delineating a comprehensive operational plan for your business. It can help you outline various aspects such as inventory management, supply chain optimization, quality control measures, and efficient human resource management.\nBy leveraging ChatGPT, you can present a clear and detailed vision of how your day-to-day operations will run, ensuring a streamlined and successful business journey.\nTeam for Management\nLeverage the power of ChatGPT to generate a comprehensive section about your esteemed management team. Highlight their professional backgrounds, expertise, and specific roles within the organization, showcasing their collective capabilities and reinforcing investor confidence in their ability to successfully execute the business plan.\nBy providing additional details on their accomplishments, industry experience, and notable achievements, you can present a compelling narrative that resonates with potential investors and underscores the team’s expertise in driving the company toward success.\nPreparing financial projections, such as cash flow statements, profit margins, and break-even analysis, can be a complex task. However, with the assistance of ChatGPT, you can navigate through the essential concepts and calculations to include in this section.\nBy providing a solid foundation for a comprehensive financial strategy, you can gain valuable insights and make informed decisions to drive the success of your business. Whether you’re a seasoned entrepreneur or a novice in the financial realm, ChatGPT is here to help you understand and master the intricacies of financial projections, empowering you to plan for a prosperous future.\nFinally, harness the power of ChatGPT, an advanced AI language model, to effortlessly craft a compelling executive summary. This crucial piece serves as a concise yet comprehensive overview of your entire business plan, capturing the essence of your venture and presenting it as a persuasive snapshot.\nBy distilling the key points, highlighting the unique value proposition, and showcasing the potential for success, the executive summary becomes a valuable tool for engaging stakeholders and attracting potential investors. Embrace the transformative capabilities of ChatGPT to create an impactful summary that leaves a lasting impression.\nFollowing these detailed, AI-powered steps, you’re well-equipped to forge a business plan that is not only thorough but aligned with current industry standards. Remember, while ChatGPT provides a great starting point for your business planning, augmenting AI suggestions with your insights and in-depth research is key to a tailored and persuasive business strategy.\nTips to Create a Business Plan Using ChatGPT\nBrainstorm Business Concepts\nLeverage ChatGPT to generate ideas for different facets of your business, ranging from crafting an enticing company description to formulating innovative marketing strategies. This ensures the development of a creative and distinctive business model that stands out from the competition.\nMarket Analysis Precision\nElevate your market analysis section with ChatGPT, leveraging the latest market research data to gain a comprehensive understanding of your industry and target audience. Unlock valuable insights that enrich your decision-making process and propel your business forward.\nStrategic Pricing Plans\nInstruct ChatGPT to explore various pricing strategies, providing you with a diverse range of approaches tailored to different segments of your market. This will enable you to optimize your word choice, sentence structure, readability, and overall eloquence while staying true to the original meaning.\nRefinement through Research\nEnsure to enhance the outputs from ChatGPT by incorporating your research. This will add depth and precision to every aspect of your business plan, ranging from financial projections to operational details.\nCompetitive Analysis with AI\nLeverage the analytical prowess of ChatGPT to perform a competitive analysis, providing you with vital information that shapes your legal structure and reinforces your business plan’s structure and substance.\nConcise Executive Summary\nEmploy ChatGPT to distill your comprehensive business plan into an executive summary that boldly emphasizes your products, strategies, and projected successes, compelling for prospective investors and stakeholders.\nIn conclusion, ChatGPT presents an innovative and strategic approach to crafting a comprehensive business plan tailored to the contemporary market. By leveraging its advanced capabilities for brainstorming business concepts, conducting a precise market analysis, and formulating strategic pricing plans, entrepreneurs can create a business model that effectively stands out from the competition.\nEntrepreneurs who adopt this integrated approach are positioned to present stakeholders with a clear and concise executive summary that convincingly communicates the business’s unique value proposition and promising outlook. ChatGPT empowers you to envision, articulate, and realize the fullest potential of your business venture.\nFrequently Asked Questions\nHow can AI, such as ChatGPT, enhance my business plan’s marketing strategy?\nAI tools like ChatGPT can provide data-driven insights and emerging trends to bolster a marketing strategy within business plans. By analyzing patterns in consumer behavior, ChatGPT can suggest innovative approaches to capture your target market, contributing to a well-informed and effective marketing plan.\nWhat are the benefits of integrating a sales strategy into my business plan using ChatGPT?\nIncorporating a sales strategy into your business plans using ChatGPT ensures synergy between your marketing approach and sales execution. This integration allows for the creation of a cohesive sales plan that aligns with business operations, potentially generating revenue more effectively and scaling your venture to new heights.\nHow can I use ChatGPT to develop a competitive pricing strategy?\nBy instructing ChatGPT to consider current market analysis, financial projections, and your unique competitive advantages, you can generate an array of pricing strategies. ChatGPT can simulate different scenarios to pinpoint the optimal pricing structure for your products, balancing profitability with market demand to maximize revenue.\nCan ChatGPT assist with the human resources aspect of writing a business plan?\nYes, ChatGPT can serve as a good starting point for outlining the human resources section of your business plan by providing templates and examples of organizational structures. However, complementing this with your research is crucial to tailor the plan to your specific business needs and ensure it reflects the intricacies of your operations.\nIn what way does the executive summary written by ChatGPT contribute to my business?\nAn executive summary crafted by ChatGPT presents a concise overview that highlights the core components of your business plan, including your marketing and sales plan, projected revenue, and strategic positioning. Capturing the essence of your venture sets the tone for the entire document and can be pivotal in engaging investors’ interest right from the outset.", "domain": "economics"}
+{"url": "https://luagifts.co.uk/our-ethical-statement/", "date": "2024-04-21T21:30:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817819.93/warc/CC-MAIN-20240421194551-20240421224551-00418.warc.gz", "language_score": 0.9749214053153992, "token_count": 650, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__137179399", "lang": "en", "text": "Our Ethical Statement\nWe are an independent family-run business and since 2000 have worked in partnership with an entrepreneur in Vietnam who runs her own family business. This enterprising and resourceful woman has her own team of talented, largely female lead technicians. We visit our supplier regularly, twice a year (although unable to visit during the pandemic), we are in constant daily touch with our partner in Vietnam and are confident that:\n- No young children work in the manufacture of our products;\n- We pay a full and fair price for our products agreed in discussion with our Vietnamese partner who, in turn, ensures a fair wage and good working conditions for their workers. We have purposefully avoided the ‘designer’ image and price tag for our products and have always tried to balance a sustainable income for our workers with an affordably priced product for the retailer;\n- All Lua bags and purses are hand-made mainly by women, working in small villages either in small, clean, brightly lit and well ventilated, safe workshops or at home so that they can work according to their own and their families’ needs. Many workers come from rural rice farming communities where poverty is widespread. Working with Lua enables them to combine their farming obligations with a valuable additional source of income. The work is flexible so they are able to learn new tailoring skills and continue with their education if required and, are also able to have time off for family commitments. Training is provided on the job in the workshop for the first two years to develop skills and experience. Higher rates are paid to the women who progress to more skilled work such as pattern cutting and embroidery. The workers are paid sick leave and, health insurance is provided for older workers. Bonuses are paid after each season and, in summer, a holiday to the beach is organised by our main partner for all the workers and their families. The regular work provided enables women from disadvantaged backgrounds to improve their families’ living conditions and to send their children to higher education;\n- The workshops are fully compliant with local regulations – working conditions, health and safety practices, salary levels/insurance, etc – and are inspected regularly at local level;\n- The workers who make our products are happy with their work and pay and consequently more than 30 women at the core of the team have been making our products for more than 19 years!\nPlease note our printed scarves are sourced from China and are not handmade. Although we have not visited directly, we have been assured by our trading partner that they are ethically manufactured in factories there.\nCharities We Support\nWe are proud to support Rewilding Britain and The Kianh Foundation. For more info Click Here\nWe try to reduce waste by:\n- Donating large quantities of surplus fabrics to people in poorer areas in the mountains of North Vietnam. In collaboration with Buddhist monks in the areas of Yen Bai province and Son La, more than 500m of fabric was taken by our technicians and distributed as blankets during 2020/2021.\nIf you have any suggestions on ways we can improve and deliver products, please do get in touch – firstname.lastname@example.org", "domain": "economics"}
+{"url": "https://marstonvalley.co.uk/planning-application-submitted/", "date": "2021-08-01T10:10:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046154175.76/warc/CC-MAIN-20210801092716-20210801122716-00073.warc.gz", "language_score": 0.946438729763031, "token_count": 754, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__1645165", "lang": "en", "text": "An outline planning application has been submitted by O&H to Central Bedfordshire Council for a series of new villages in the Marston Vale.\nLocated right in the heart of the Oxford to Cambridge arc, the Marston Valley development will bring significant new infrastructure, community facilities and up to 5,000 homes for the local area, built over a 20-year period.\nOne of the highlights of the Marston Valley proposal is a major new waterway park connecting existing lakes. It would be the first new English waterway in over 100 years.\nThe development will also deliver new jobs, new schools, leisure facilities, better public transport and health facilities.\nApproximately 45% of the 566 hectare site will be for built development, and over 55% (more than 300 hectares of the site) will be green open space, allotments, orchards, nature areas, lakes and water. No Green Belt land is affected.\nMore than 20% of households in the area attended exhibitions and meetings in February and March this year as part of a public engagement programme.\nO&H has refined its plans for Marston Valley following feedback from the engagement programme and these are reflected in the application material. Changes include providing greater woodland buffers to the east of Lidlington to put more distance between the existing village and the new housing, and introducing a limited extension to the village of Brogborough for some smaller family homes.\nPippa Cheetham, head of planning at O&H, said:\n“O&H is excited to be submitting this application, which represents a long period of local engagement and will allow the company to demonstrate its commitment to building the high-quality places sought by central government, community leaders and local people alike.\n“The engagement from local residents was very helpful and while some are opposed to development, we have benefitted from many others’ openness and suggestions as to how the Marston Valley proposal can work for them.\n“We have made changes to the original plans in the light of those suggestions. We hope the Council recognises the efforts made by all involved to make the Marston Valley work for both existing and new residents.\n“Our vision is to create an exceptional living environment in the Marston Vale where people will be proud to live and work, and will want to visit. Our scheme will promote healthy lifestyles with an emphasis on footpaths and cycle routes, and can provide housing to meet wide-ranging community needs.\n“Marston Valley is about taking a strategic, long-term approach to planning for the wider needs of the area, not just building houses.\n“Releasing the land for up to 5,000 homes over the next 20 years not only provides much-needed homes for an expanding population, but also generates funding to pay for new facilities and strategic improvements in the Marston Vale which couldn’t otherwise be considered.\n“Delivering Marston Valley as a comprehensive development is crucial to secure significant investment in infrastructure. Smaller scale or piecemeal development does not provide the same level of coordinated infrastructure. That’s why we need to have a bold vision for the future of the Vale.”\nThe planning application will now be reviewed by planning officers at Central Bedfordshire Council and a formal consultation is being held by the council. The consultation period is for five weeks and letters to residents will be issued from this week onwards.\nAll comments on the application should go directly to the council.\nThe application reference number is: CB/18/01969/OUT, and a dedicated area has been created for the Marston Valley outline planning application on Central Bedfordshire Council’s website.", "domain": "economics"}
+{"url": "https://www.sandswealthmanagement.co.uk/our-services/", "date": "2022-07-06T00:41:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104655865.86/warc/CC-MAIN-20220705235755-20220706025755-00547.warc.gz", "language_score": 0.9436048865318298, "token_count": 405, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__101739631", "lang": "en", "text": "Sands Wealth Management specialise in meeting the financial needs of people who have significant capital, or who earn higher incomes, and whose circumstances are therefore more complicated than most.\nOur team offer a wide range of high quality wealth management services to individuals, businesses and trustees.\nOur Mission Statement\nWe create trusting, meaningful, long term relationships with our clients, aiming towards a successful financial journey.\nOur deepest purpose is to help you to attain, enjoy and keep the lifestyle you want to lead, while creating happiness through financial contentment.\nWe excel at what we do and are committed to maintaining standards of excellence.\nWe do this because we care.\nOur Areas of Expertise\nOur experienced team offer a wide range of high quality wealth management services and have years of experience and knowledge to support you.\nThrough our holistic approach we specialise in the following areas:\n- Investing for capital growth or capital preservation\n- Protecting lifestyles against risk\n- Mitigating tax liabilities\n- Investing for income\n- Contingency planning\n- Protecting wealth\n- Planning for retirement\n- Inheritance planning\n- Later life planning\n- Tax planning\n- Business advice\n- Planning your business exit strategy*\n* Please note that advice provided in this area, may involve the referral to a service that is separate and distinct to those offered by St. James’s Place.\nThe value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.\nThe levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax reliefs depends on individual circumstances.\n” Jonathan spent time getting to know us first. As a result, we have not only received excellent financial advice, but it is perfectly tailored to our lifestyle and circumstances.\nWe would confidently recommend his services.”", "domain": "economics"}
+{"url": "https://www.identitymalta.com/identity-malta-agency-signs-new-collective-agreement/", "date": "2023-12-04T15:55:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100531.77/warc/CC-MAIN-20231204151108-20231204181108-00703.warc.gz", "language_score": 0.9415884017944336, "token_count": 595, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__286084094", "lang": "en", "text": "Identity Malta Agency signs new collective agreement\nAverage year-on-year salary increase will amount to 18% by 2023.\nIdentity Malta Agency to soon launch new mental health policy.\nIdentity Malta Agency and the General Workers’ Union GWU have signed a new collective agreement for the next five years. The new agreement further builds on the previous one and covers the period of 1st January 2019 to 31st December 2023.\nAs a result, Identity Malta employees will benefit from improved work conditions and a substantial pay rise. In fact, the average year-on-year salary increase will amount to 18% by 2023, with the lowest income bracket benefiting most.\nDuring the signing ceremony, Identity Malta Agency CEO, Mr. Anton Sevasta, applauded the employees for their hard work and dedication. Further adding that despite the complex nature of work and the ever-growing demand for its services, Identity Malta staff strive to offer a quality public service. Mr. Sevasta claimed that the new agreement will make way for new opportunities and should further motivate staff in reaching the organisation’s overarching goals.\nThe Parliamentary Secretary for Citizenship, Reforms and the Simplification of Administrative Procedures, Hon. Julia Farrugia Portelli presided over the signing ceremony and held that this is a testimony to the workers’ valuable contribution. Farrugia Portelli accredited Identity Malta’s management for their continuous investment in staff training and development.\nThe Parliamentary Secretary emphasized on the importance of ensuring workers’ wellbeing at the place of work. Further adding that this was the guiding principle in the drafting of the soon-to-be-launched new mental health policy. In this regard, Farrugia Portelli held that Identity Malta will be amongst the first government agencies to not just simply offer mental health care service but to train its employees on how to motivate and support their colleagues who may be experiencing mental health issues.\nMr Kendrick Bondin, on behalf of the General Workers’ Union, praised the professional and cordial manner adopted during the negotiations. Similarly, Identity Malta’s Chief Officer for HR, Mr Joseph Montebello, thanked all those involved for managing to secure the best possible deal.\nThe new collective agreement was signed by Mr. Anton Sevasta (Chief Executive Officer), Mr. Joseph Montebello (Chief Officer HR) and Mr. Martin Bowerman (Chief Financial Officer) on behalf of Identity Malta together with Mr. Kendrick Bondin and Mr. George Zahra, who were representing the General Workers’ Union and Ms. Berenice Stivala as shop steward. The Parliamentary Secretary for Citizenship, Reforms and the Simplification of Administrative Procedures, Hon. Julia Farrugia Portelli presided over the signing ceremony. Identity Malta Non-Executive Chairman Dr Ian Castaldi Paris, Permanent Secretary Mr Vincent Muscat together with the shop stewards representing Identity Malta staff were also present for the signing.", "domain": "economics"}
+{"url": "https://greenowlwellness.com/wholesaling/", "date": "2023-12-09T07:25:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100873.6/warc/CC-MAIN-20231209071722-20231209101722-00042.warc.gz", "language_score": 0.9525467753410339, "token_count": 376, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__113945364", "lang": "en", "text": "Grab some Green Owl Wellness products for your store. Sign up below to receive product information, updates on new products, and special sales.\nBuy In Bulk!\nWholesale CBD For Sale\nGood things can come in big packages too… and that’s certainly the case for us. Green Owl Wellness offers wholesale CBD products to stores, salons, and other places of business.\nWhy buy CBD oil wholesale?\nBuying CBD wholesale allows you to reduce your overhead and offer your customers a better price, all without negatively affecting your profits. Offering the most competitive prices in town lets you attract more customers, sell more CBD products, and gain the competitive edge you need for your store to thrive.\nWhy choose Green Owl Wellness for Wholesale CBD?\nGreen Owl Wellness is a family-owned and operated CBD wholesaler based in south-central Wisconsin that was founded after four friends realized they had all experienced similar benefits from using CBD. We are proud to source our products from Wisconsin, which has the ideal soil, climate, and overall growing conditions for hemp. Wisconsin has a long history of producing hemp products, so we work with Wisconsin hemp farmers who know how to grow consistent crops of high-quality hemp. This means we can keep a steady supply and a large quantity of the best CBD products on hand.\nBuying wholesale CBD from Green Owl Wellness is fast and easy\nGreen Owl Wellness makes buying wholesale CBD oil to offer at your store, salon, or place of business easy and convenient – simply fill out our online form to chat with one of our friendly and knowledgeable staff members. We’re happy to help you through the steps of placing your wholesale CBD oil order. We make the CBD wholesaling process quick and painless, and you’ll have the products on your shelves in no time.", "domain": "economics"}
+{"url": "http://blacksea-cruises.com/index.php?option=com_content&view=article&id=182%3A-black-sea-cruise&catid=24%3A2012-02-12-10-38-34&Itemid=59&lang=en", "date": "2018-01-23T19:29:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084892238.78/warc/CC-MAIN-20180123191341-20180123211341-00452.warc.gz", "language_score": 0.91800856590271, "token_count": 1246, "dump": "CC-MAIN-2018-05", "global_id": "webtext-fineweb__CC-MAIN-2018-05__0__203124850", "lang": "en", "text": "|From the history of Odessa International Cruise Summit “Black Sea Cruise”|\n|Monday, 06 August 2012 14:04|\nExperts say that by 2020 every second tourist will have an unforgettable experience of cruise tourism. Cruise market is increasing due to construction of new “floating hotels” and growing popularity of the rest surrounded by moving impressions. Under such circumstances it is extremely important to revive and develop “the most beautiful and modern type of maritime business” in the Black Sea region. Having a high tourist potential, long-term original history and amazing hospitality, the Black Sea region has all chances to become a real cruise destination discovery on the global cruise map. This very issue is the main goal of the international cruise conference “Black Sea Cruise”, the organizers of which are State Enterprise “Odessa Commercial Sea Port”, the Association of Mediterranean Cruise Ports “MedCruise”, International Black and Azov Seas Port Association (BASPA).\nThe first conference “Black Sea Cruise” took place on 24-25, September, 2008 in the city of Odessa. Among its participants were representatives not only from all countries of the Black Sea region (Ukraine, Russia, Turkey, Romania, Bulgaria, Georgia) but also representatives of companies from Greece, Italy, Kazakhstan, Great Britain, the USA, Spain and Germany. The most attractive point of the event was the presence of such representatives of the world cruise industry as Vice-President of the shipping company «Royal Caribbean» John Tercek (USA), Vice-President of the shipping company “Princess Cruises” Bruce Krumrine (USA), the Head of Maritime Operations Department of the shipping company “Mediterranean Shipping Company” Luigi Pastena as well as such experts as Secretary General of the Association of Mediterranean Cruise Ports “MedCruise” Jose Campos (Spain), Vice-President of the Association “MedCruise” Valeria Mangiarotti (Spain), the President of the company “G.P.Wild International Ltd” Peter Wilde (Great Britain), etc.\nThe main trends of the global cruise industry development were discussed at the conference as well as the analysis of the cruise business market at the Black Sea basin and its development perspectives, the state of infrastructure of the passenger carriers at the sea ports of Bulgaria, Georgia, Russia, Romania, Turkey, and Ukraine.\nThe second conference “Black Sea Cruise” took place on 16-18 September, 2010. The event was attended by nearly 120 delegates from 16 countries of the world. The participants of the conference were cruise and travel companies from the Black Sea countries, the USA and Europe, representatives of four cruise lines, authorities of all Black Sea region countries, etc.\nThe main goal of the conference was free communication between executives and representatives of the largest cruise operators, shipping companies, ports, travel and transport companies, representatives of government agencies and regional authorities, municipalities of the Black Sea region, representatives of all companies connected with passenger transportation and maritime business. The event is aimed at attraction cruise tourists and cruise shipping stimulation on the Black Sea. During the conference Deputy Minister of Infrastructure of Ukraine Bondar O.V., Deputy Minister of Resorts and Tourism of the Autonomous Republic of Crimea Marinov N.N., General Manager of State Enterprise “ Odessa Commercial Sea Port” Pavlyuk N.P., the President of the Association MedCruise Mr John Spadni, Marketing Director of the European Cruise Union William Gibbons, the biggest cruise operators Royal Caribbean, V.Ships Leisure (Giorgio Matta), Compagnie Du Ponant (Marc Berberian), analytical company G.P. Wild (International) Ltd, as well as representatives of the governmental agencies and cruise ports of the Black Sea region and many others delivered their reports. The Session was followed by the signing two protocols on cooperation between the port of Yalta and Royal Caribbean International Company and the port of Odessa and the port of Lattakia (Syria).\nIn 2012 the third international conference “Black Sea Cruise” will traditionally take place in September. The representatives of the leading global cruise operators, state authorities and municipalities of Ukraine, Bulgaria, Georgia, Russia, Romania, Turkey and Greece, Black sea port administrations, world experts of cruise industry and everyone who is not indifferent to the fate of cruise business in the Black Sea region are expected to participate in the event. The representatives of such cruise companies as “Royal Caribbean Cruises”, “Pullmantur Cruceros”, “Azamara Club Cruises”, “Carnival UK”, “Classic International Cruises”, “Sea Dream Yacht Club”, “MSC Cruises” have already confirmed their participation in the conference. This year the event is held within the frames of the marketing Black Sea cruise ports project «Cruise Black Sea» the aim of which is the promotion of the region as a unified cruise destination on the international cruise market. The Program of the conference includes the discussion of the following issues:\n- primary trends of the world cruise market development;\n- challenges and prospects of development of the Black Sea cruise destinations;\n- overview of the port and city infrastructure;\n- investment opportunities of the region;\n- quality of shore services rendered to cruise tourists;\n- presentation of the shore products of the region;\n- promotion of the region as a unified cruise destination on the international cruise\nThe framework of the conference covers: two sessions, В2В (“business-to-business”), round table of the participants of Cruise Black Sea project, Press conference, gala-dinner.\nLooking ahead, we want to believe that due to joint efforts of the members of the regular cruise summit “Black Sea Cruise” in the nearest future flags of the world mega-liners will flutter in each port of the Black Sea.\nOrganizing Committee of The Third International Conference \"Black Sea Cruise 2012\"", "domain": "economics"}
+{"url": "https://bikko.bike/en/manufacturer/merida", "date": "2023-10-02T09:16:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510983.45/warc/CC-MAIN-20231002064957-20231002094957-00704.warc.gz", "language_score": 0.9549859762191772, "token_count": 388, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__142241168", "lang": "en", "text": "Merida Industry Co,, Ltd is a bicycle design, manufacturing, and sales company based in Taiwan. It started its activities in 1972 like a small Japanese bicycle parts shop. The founder and current director of the company is Dung-Huang Tseng. The successful operation over the first three years allowed us to start the production of BMX bikes and acquire a modern painting line. Their efforts were appreciated and they received an award - A Class Quality Control Factory. In 1980, the brand MERIDA was used for the first time. At that time, the amount of bicycles produced increased to 60,000 units per month. After 10 years, the Product Quality Office gave the company the rating “Excellent Quality Factory”, and over the next 6 years it was certified according to ISO 9002.\nCurrently, MERIDA is located in Yaunlin, Taiwan and has a laboratory in Magstadt, Germany. By using the modern production system 3T - Toyota Production System, Total Quality Control, Total Product Maintenance - it has become a producer of the highest quality bicycles.\nHaving successfully developed trade in Europe and the USA, MERIDA has become one of the largest participants in the global bicycle market in their development and production. Their bikes are sold in 67 countries around the world, with total sales of around 450,000 units. About 300,000 of their bikes are sold in China.\nMERIDA has its own team of athletes, the Multivan Merida Biking Team, and also sponsors cycling competitions and mountain races.\nMore information about MERIDA bikes: http://www.merida-bikes.com\nMerida bicycle catalogue: https://www.bikko.lt/dviraciai/merida-dviraciai/\nBicycle Merida BIG.NINE XT-edition silk sparkling gold\nBicycle Merida CROSSWAY 500 Lady matt burgundy red", "domain": "economics"}
+{"url": "https://morsebaylissfuneralhome.com/what-are-the-financial-benefits-of-cremation-services/", "date": "2024-02-26T14:53:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474660.32/warc/CC-MAIN-20240226130305-20240226160305-00682.warc.gz", "language_score": 0.9441345930099487, "token_count": 666, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__188456860", "lang": "en", "text": "As families navigate the complexities of laying a loved one to rest, one aspect that often comes to the forefront is the financial consideration of the services chosen. Cremation services offer several economic benefits that can alleviate some burdens during this challenging time. The choice of cremation can significantly reduce the overall cost of farewell ceremonies, sparing families from the expenses associated with more traditional burial processes. But beyond the immediate savings, there are broader financial implications to consider, such as the reduced need for land use and the flexible options for memorialization that do not necessitate a gravesite.\nIn cremation services in Lowell, MA, these financial benefits are of particular importance, as the thoughtful staff, including those at the Morse-Bayliss Funeral Home, guide bereaved families through cost-effective arrangements tailored to their needs. Opting for cremation does not mean compromising the dignity or personalization of a service; on the contrary, it opens a myriad of possibilities for honoring a loved one in a way that is both respectful to their memory and considerate of the financial realities facing the family. Whether it is simplifying the ceremony or customizing a unique tribute that reflects the individual’s life without incurring extensive costs, cremation services offer a practical path for remembrance within a manageable budget.\nReduction in Direct Costs\nCremation services are increasingly recognized for their financial benefits, primarily due to a significant reduction in direct costs compared to traditional burials. Without the need for a burial plot, casket, or headstone—which can collectively amount to a considerable expense—cremation presents a more economical option. This allows families to focus their resources on personalizing a memorial service that reflects the essence of their loved one without the financial strain that often accompanies elaborate burial procedures.\nFlexibility in Memorialization Options\nAnother critical financial benefit of cremation is its flexibility in memorialization choices. With cremation, there is no immediate pressure to purchase a burial plot or make other costly decisions in a time of grief. Families can take time to plan a fitting tribute, whether that includes keeping the ashes in an urn, integrating them into a piece of commemorative jewelry, or utilizing a variety of other remembrance options that fit their budget and the wishes of their loved ones.\nLong-Term Financial Considerations\nIn addition to immediate savings, cremation services provide long-term financial considerations that can be a relief for families. The maintenance costs associated with a gravesite are not applicable, and there is less urgency to make rapid decisions on memorial products that often carry a high markup. Additionally, cremation offers the possibility of planning ahead of time, including pre-payment options that protect against inflation and alleviate the future financial burden on loved ones.\nIn summary, the financial benefits of cremation services are multifaceted, providing immediate relief from various high-cost requirements characteristic of traditional burials and offering flexibility for personalized memorials within a reasonable budget. By lessening the fiscal load, cremation services in Lowell, MA, such as those provided by the Morse-Bayliss Funeral Home, make it possible for families to honor their loved ones with dignity without compromising their financial stability, fostering a sense of solace and respect during the grieving process. For your requirements, kindly reach out to our team today.", "domain": "economics"}
+{"url": "http://mttaborfinewines.com/2012/04/19/the-famous-reds-of-italy-15-friday-april-20th-4-730/", "date": "2013-06-19T15:10:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368708808767/warc/CC-MAIN-20130516125328-00020-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.8431236147880554, "token_count": 643, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__197693384", "lang": "en", "text": "This is one of those tastings where you should get here early, taste, pull out your wallet and run home to stash your score in your cellar and then dream about the future when you’ll open these beautiful wines with friends and family and tell story of the amazing prices you paid back in 2012. Yes folks, once again we have wines in the most desirable collectable category selling for a fraction of what they usually sell for due to our continuing economic crisis. And these are not off vintages. Take the premium pour. Elio Grasso; One of the absolute best Barolo producers, period! 2004. Along with 2001 the best vintage of the decade. I poured the 2006 of this exact wine about a year ago. The wine sold for $82. $82! We are selling the 04, a better vintage, for $59. $23 less! Can you say screaming bargain. If you have the patience to lay this down for another 10-15 years you will have the drinking experience of a lifetime. Many of you are familiar with Canalicchio Brunello. We get it for the great price of $42 here in Portland because it’s imported directly into Oregon. Try to buy it in say, New York, and it will run you in the mid to upper $50’s. We’re pouring and selling the 03 for $30. $30 for a top notch Brunello Di Montalcino! These are Rosso Di Montalcino prices. And speaking of ridiculous prices. How about a single vineyard Barbaresco for $27. I almost can’t believe it. Then I taste it and really can’t believe it. And all of this says nothing of the awesome deal on the Pecchenino Dolcetto San Luigi for $13 and the Ciacci Toscana at $14. I hope I’m making my point here. You don’t want to miss this one.\nI’ve put the wines in the order that they will drink best, not by price. The Sangiovese’s follow each other and are followed by the Nebbiolo’s. I’d rent a U Haul for this one. Talk to Dave if you need one.\n2009 Pecchenino, Dolcetto di Dogliani “San Luigi”/ Piemonte $13\n2008 Ciacci, Rosso Toscana/ Tuscany $14\n2003 Canalicchio, Brunello Di Montalcino/ Tuscany $30\n2006 Casanova Di Neri, Brunello Di Montalcino/ Tuscany $50\n2008 Montarabaldi, Barbaresco “Palazzina”/ Piemonte $27\nPremium Pour ($6)\n2004 Elio Grasso, Barolo “ Gavarini Chiniera”/ Piemonte $59\nSandy Thompson, Proprietor\nMt. Tabor Fine Wines\n4316 SE Hawthorne Bl\nPortland, Or. 97215", "domain": "economics"}
+{"url": "http://fidelisfp.com/money-is-time/", "date": "2018-02-23T10:19:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891814566.44/warc/CC-MAIN-20180223094934-20180223114934-00669.warc.gz", "language_score": 0.9045727252960205, "token_count": 417, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__119653092", "lang": "en", "text": "“Time is money says the proverb, but turn it around and you get a precious truth, money is time.” -George Gissing\nThe most central concept tackled in good financial planning is the precious resource of your time. Strip away all the excess, you’re left with how you spend your days, your hours, your minutes.\nFinancial planning does address:\n– Retirement and income planning…..oh yeah.\n– Investment process…..definitely.\n– Education funding…..it should.\n– Insurance protection…..of course.\n– Tax planning…..annually.\n– Estate planning…..for your family.\nAll important, but none are on the level of your life, your time. These items serve to support your plan. The plan is the proactive planning of time and resources. Don’t plan these financial items without addressing time first. This is a subtle, yet key distinction.\nIf you’re reading as a financial professional, we need to do a better job of putting this into practice. Stop spending too much of your client’s time on minutiae (performance reports, investment funds, risk/return discussions, product features, financial jargon and talk, etc.) Spend time on what matters, what endures; life. Use the 80/20 rule. 20% to give the financial stuff it’s proper due and respect. 80% to make a real impact on your client’s lives.\nIf you’re reading as a client, expect and judge planning service based on life metrics that matter (peace of mind, goal progress, growth, life improvement, etc.), not on trivial and relatively uncontrollable short-term measures.\nIf you’re reading as a prospective client of some financial planner, it’s okay to feel too busy, too chaotic, and too overwhelmed. Great financial plannings starts the process of gaining clarity. You don’t need to know or solve everything, but you do need to start. Action beats thinking.", "domain": "economics"}
+{"url": "https://www.cietac-eu.org/about-us/", "date": "2024-04-20T06:19:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817491.77/warc/CC-MAIN-20240420060257-20240420090257-00831.warc.gz", "language_score": 0.9358218312263489, "token_count": 222, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__150923322", "lang": "en", "text": "Established in 1956, China International Economic and Trade Arbitration Commission (CIETAC) is one of the major permanent arbitration institutions in the world.\nCIETAC independently and impartially resolves commercial disputes, as well as investment disputes by means of arbitration.\nCIETAC European Arbitration Centre is committed to promoting CIETAC arbitration in Europe, cooperating with European international arbitration institutions, providing advisory services and arbitration services to the parties nearby.\nCIETAC and its sub-commissions/arbitration centers constitute a single arbitration institution. They adopt the same set of Arbitration Rules and the same Panel of Arbitrators. It is explicitly stipulated in CIETAC’s Articles of Association that sub-commissions/arbitration centers are branches of CIETAC which accept arbitration applications and administer arbitration cases with CIETAC’s authorization.\nCIETAC’s Nearly 30,000 concluded arbitration cases have involved parties from more than 100 countries and regions outside the Mainland China, and its awards have been recognized and enforced in 159 countries and regions.", "domain": "economics"}
+{"url": "https://www.bristolpress.com/BP-State/378514/micari-financial-group-provides-residents-with-full-service-products-determined-to-help-customers-achieve-goals", "date": "2021-05-08T01:59:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243988831.77/warc/CC-MAIN-20210508001259-20210508031259-00194.warc.gz", "language_score": 0.9551132321357727, "token_count": 517, "dump": "CC-MAIN-2021-21", "global_id": "webtext-fineweb__CC-MAIN-2021-21__0__45756824", "lang": "en", "text": "Micari Financial Group has been providing Connecticut residents with full service financial products since 1990 and is determined to help all of its customers achieve their financial goals.\nWhat sets Micari apart is it develops individualized financial plans for each of its clients that is best set up to meet their needs. Micari financial planners make a concerted effort to educate clients on the financial concepts being used so that everyone has a clear understanding of what is being done with their money.\nMicari provides basic financial tools from its website including a series of calculators that can help with short-term and long-term financial planning. These calculators can help with things such as saving for the kids to go to college or planning for retirement and provide well educated estimates on the funds necessary for these goals based on the client's current financial circumstances.\nThe group’s other investments services include investment management, annuities and various insurance products such as life insurance, disability insurance and long-term care insurance.\nMicari works with businesses as well as individual clients, helping local entrepreneurs set up benefit plans for their employees. The group will devise a proprietary 401(K) program for a company and assist in implementing it and educating all participants on its details. They can do the same with other benefits such as health insurance, dental, life and disability.\nThe group’s website is also stocked with resources to help anyone better understand their finances. The website’s resources tab has articles, flipbooks, newsletters and videos covering every topic from retirement saving to investment risks to annuities and so much more.\nThe website also provides real-time information on the stock market and allows users to look up individual stocks or track a market’s change over time.\nOnline visitors can also request an insurance quote from Macari without even stepping outside. Quotes can be provided for long-term care insurance, group health insurance, life insurance, individual health insurance and disability income insurance.\nFounded by Bristol native Bill Marcari, holds FINRA series: 7, 6, 63, and 65 licenses and insurance licenses through the state of Connecticut. In 2011, he earned the AIF designation from the Center for Fiduciary Studies. The AIF designation certifies that he has specialized knowledge of fiduciary standards of care and their application to the investment management process.\nAnyone interested in enlisting the services of Micari can visit www.micarifinancial.com , call 860-261-4746 or visit the office at 101 Church Avenue in Bristol.", "domain": "economics"}
+{"url": "http://www.conquest4nevada.com/", "date": "2018-06-18T16:43:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267860684.14/warc/CC-MAIN-20180618164208-20180618184208-00145.warc.gz", "language_score": 0.9255252480506897, "token_count": 496, "dump": "CC-MAIN-2018-26", "global_id": "webtext-fineweb__CC-MAIN-2018-26__0__108918411", "lang": "en", "text": "I support open elections and restricting the power of the entrenched\ntwo party political agenda to benefit their special interests\nat the expense of the people of Nevada as a whole.\nI support the repeal of the Commerce Tax, the Wage Tax and the\nGovernment Services Tax and replacing them with a fair and\nequitable tax structure which treats everyone equally under the law.\nI support the creation of an AFFORDABLE Single Payer Healthcare\nSystem for Nevada Which improves both the availability, access\nand quality of healthcare for everyone in the state.\nI support the restructuring and the creation of a world class education\nsystem in Nevada to provide our children and grandchildren the necessary\nskill sets to successfully make their way in an ever changing world.\nI support the creation of a world class business friendly environment to\nfacilitate bringing major investment, industry and high paying jobs to Nevada.\nI will work to reduce time wasting regulations and excessive startup requirements.\nI support equal pay for equal work. I will fight discrimination\nbased on age, gender, sexual orientation, religious belief, race.\nI will work to insure every person is treated equally under the law.\nI support measures for the protection of victims from both the perpetrators\nof crime and the corruption in the criminal justice system. As Governor,\nI will work improve the 'system' to better serve the citizens of Nevada.\nI support an $11/hour minimum wage for EVERYONE employed by any business\nin Nevada and a major block grant to all the counties to help them improve\ntheir infrastructure, healthcare and educational facilities.\nI support GMO labelling, the listing of prices for all medical procedures by\nhealthcare entities, prohibiting of 'resort fees' and 'parking fees' by\nlicensed gaming entities and an open border for sports betting.\nI support a complete restructuring of the business and corporate licensing\nregime to make it more business friendly, equitable and responsive to\nbusiness concerns and to providing a better business environment in Nevada.\nI support the repeal of the anti-water harvesting law, the streamlining of\nall the cannabis rules and regulations and the creation of a Hemp industry\nto manufacture hemp products for both domestic use and to export.\nI support the creation of Solar and Wind energy facilities in Nevada, the\ncreation of a Sovereign Nevada Intra-State Bank to help facilitate overall\ndevelopment, investment and an major investment banking industry in Nevada.", "domain": "economics"}
+{"url": "http://amatakcapital.com.kh/index.php/en/clients/cambodia-s-economic-performance", "date": "2019-02-22T21:07:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247526282.78/warc/CC-MAIN-20190222200334-20190222222334-00426.warc.gz", "language_score": 0.9068489670753479, "token_count": 173, "dump": "CC-MAIN-2019-09", "global_id": "webtext-fineweb__CC-MAIN-2019-09__0__135293843", "lang": "en", "text": "Recent Macro-economic Indicators (GDP Growth Rate)\nEstimation of GDP for 2015\nBased on data collected in the first 6 months of 2015 by Ministry of Economy taking into consideration of the impact from the slowdown of economies including Europe and China, GDP growth for Cambodia has been revised down from 7% a year ago to around 6.9 %. The value of current GDP is estimated to be worth 74.93 trillions riel or 18.50 billions US dollars (1USD= 4040Riel) and GDP per capita is around 1228USD.\nIndustries which have been identified to see the potential growth include Agriculture (1%), Manufacturing (8.7%), Garment (5.5%), Electricity and Clean water (7.2%), Construction (17.7%) and Service (9%).\nSource: The Ministry of Economy and Finance", "domain": "economics"}
+{"url": "http://btech.bh/", "date": "2018-05-21T10:31:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794864063.9/warc/CC-MAIN-20180521102758-20180521122758-00226.warc.gz", "language_score": 0.9368751049041748, "token_count": 267, "dump": "CC-MAIN-2018-22", "global_id": "webtext-fineweb__CC-MAIN-2018-22__0__90520621", "lang": "en", "text": "Realizing the importance of Information and Communication Technology (ICT) on the economy, in 2012 Bahrain Technology Companies(BTECH) society was established. This is part of the country’s vision to improve its economic efficiency and the establishment of a sound foothold in the ICT sector regionally. Government interest in the ICT sector was reflected by fully supporting the establishment of BTECH, which aims in supporting the local ICT companies to excel. Being a nonprofit entity, we strive in fully elevating the statuesque of the sector and bring the ICT companies in Bahrain to a competing level with its regional and international competitors.\nBTECH backs ICT Companies participating in Bahrain Pavilion @ GITEX\nBTECH together with Tamkeen supports companies wishing to participate in Bahrain’s National Pavilion at GITEX 2017 from 8 to 12 October at the Dubai World Trade Centre.\nMore than 45 companies are expected to participate in Bahrain’s pavilion this year, which in an increase of nearly 50% from the previous year.\nThis will contribute in enhancing the presence of Bahrain’s IT industry in regional forums, increasing its contribution to national output.\nBoard Chairman of BTECH Ubaidly Ubaidly called on various Bahraini ICT companies to take advantage of Tamkeen���s support.", "domain": "economics"}
+{"url": "https://www.brazosprecision.com/2020-Shipping-Updates_b_7.html", "date": "2023-12-04T03:29:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100523.4/warc/CC-MAIN-20231204020432-20231204050432-00288.warc.gz", "language_score": 0.9661755561828613, "token_count": 619, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__65621512", "lang": "en", "text": "Posted by Paul Fisher on 1/1/2020 to News\nLooking back on 2019, we had a great year, thanks to all of our wonderful customers. You have helped to propel this small startup bullet business into real success, and we are deeply thankful for your support. We know that our simple $2.80/lb pricing is the key to much of that success and we are not changing that in 2020. On the other hand, USPS has announced that they will be increasing shipping costs on January 26th, including small and medium flat rate boxes. This has caused us to have to examine and make an adjustment to how we handle shipping costs. For many of you this will result in no change, and in some cases a slight decrease in cost. The rest of this article explains the details of the change and give examples of how it will effect purchases.\nDetails of Change\nSo what are we changing? As of today we are making the change to always charge for shipping. If the package is 15lbs or under, it ships for $7 in a small flat rate box, and if it is 15-65lbs it ships for $14 in a medium flat rate box. This is the same as what we charge today for orders that are less than 4 bags. In addition, we are going to lower the price for sample bags from $17.99 to $14, but charge for shipping.\nThe best way to show how this will effect you is with some examples:\nSo the bottom line is:\n- For customer that purchase three (3) or less bags, there is no change\n- For customer that purchase two (2) or more samples, you will pay less\n- For customers that purchase a combination of bags and samples, you will pay less\n- For customers that purchase four (4) or more bags, or a single sample, you will pay for shipping\nAre We Still Competitive?\nYes, we are still the best deal around.The simplest to demonstrate this is just to show you a selection of profiles compared to the competitor \"bulk\" prices.\nAs you can see, we still provide the best price per round, delivered to your door. Even when you see holiday specials, or discount codes, we are still the best deal. We just don't go in for taking advantage of our customers all of the rest of the time. Just a great product, at a good price, all of the time.\nWe really do want to thank all of our customers for their support in 2019. You have made us successful, and we really appreciate that you continue to support us, and enjoy supplying you with winning bullets. The upshot of all of this is that you can just order whatever you need, when you need it. You no longer need to organize your purchases to order in bulk. Just order what you need, when you need it, and you can be confident that you are still getting superior quality at a truly competitive price year round.\nAs always, keep 'em in the X-ring!", "domain": "economics"}
+{"url": "https://www.travalake.com/domestic-destinations/houston", "date": "2019-05-23T09:10:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232257197.14/warc/CC-MAIN-20190523083722-20190523105722-00493.warc.gz", "language_score": 0.969282865524292, "token_count": 165, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__136543619", "lang": "en", "text": "Located in the southeastern part of the state, it is the principal city of Houston–The Woodlands–Sugar Land.\nHouston’s economy boasts of a broad industrial base in energy, transportation, manufacturing and aeronautics. It is also a leading city in building oilfield equipment and health care sector. It is also home to the second highest number of Fortune 500 headquarters after New York City.\nHouston is ranked a global city, with strengths in international trade, business, technology, media, fashion, entertainment, education, science, research and medicine.\nThe city’s population comes from various religious and ethnic backgrounds and consists of a large and growing international community. Is has also been dubbed as the most diverse city in the United States. It is also home to numerous cultural exhibits and institutions.", "domain": "economics"}
+{"url": "https://www.greenecountyms.gov/updates", "date": "2024-04-13T19:33:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816832.57/warc/CC-MAIN-20240413180040-20240413210040-00072.warc.gz", "language_score": 0.9644967913627625, "token_count": 166, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__81799701", "lang": "en", "text": "The 2023 tax statements have been mailed out. Property taxes are due on or before February 1, 2024. If you have not received your tax statement, you can view your tax information by clicking on \"property taxes\" above or call the tax office.\nService Connected, totally disabled (100%) American veterans who were honorably discharged from military service are exempt from all ad valorem taxes on homesteads. This new law takes effect January 1, 2015. The old law only exempted up to 7,500 assessed value.\nAfter a very lengthy process, the N.C.R.S. has completed the soil data for the county and the new soil maps have been assessed to each parcel for the 2019 tax year. Click here to view soil maps.", "domain": "economics"}
+{"url": "https://www.rickettsfreight.com/distribution-ireland.php", "date": "2019-04-22T16:02:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578558125.45/warc/CC-MAIN-20190422155337-20190422181337-00453.warc.gz", "language_score": 0.9475639462471008, "token_count": 289, "dump": "CC-MAIN-2019-18", "global_id": "webtext-fineweb__CC-MAIN-2019-18__0__125049180", "lang": "en", "text": "Our flagship trailer operation provides all our customers easy access to the most reliable and economical groupage service available, delivering your goods daily throughout both Northern and Southern Ireland.\nFrom our warehouse in Batley, Geoff Ricketts Freight Ltd is departing daily. We are able to carry all types of cargoes and packaging. Most of our competitors only handle palletised cargo for a ‘uniformly distributed load’. We provide quotes from 1 carton, 1 pallet, 1 tube or however your goods are packaged, we carry and deliver it. This is one of the many reasons why our customers have been with us for many years.\nWhen choosing a Company to carry your goods you'll want the best possible experience at the most competitive price. Geoff Ricketts Freight Limited has many years’ experience in the freight, storage and distribution industry, offering an unmatched level of quality customer service and attention to detail, combined with the most competitive rates around.\nBy calling us at Geoff Ricketts Freight Ltd, you're not only choosing a logistics company; you're choosing an experienced and knowledgeable partner that strives to help your business grow through cost-effective solutions and successful long standing relationships.\nFor more information or to discuss your requirements, please contact us today.\nFrom the distribution warehouse in Newry we are ideally placed to serve our customers selling products in either the North and South with daily departures to all major destinations.", "domain": "economics"}
+{"url": "http://megamillions24.com/can-mega-millions-annuity-be-inherited/", "date": "2019-12-08T13:25:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540510336.29/warc/CC-MAIN-20191208122818-20191208150818-00484.warc.gz", "language_score": 0.9708044528961182, "token_count": 390, "dump": "CC-MAIN-2019-51", "global_id": "webtext-fineweb__CC-MAIN-2019-51__0__61783050", "lang": "en", "text": "If you’ve won a large mega millions jackpot and opted for an annuity, you hope to enjoy your winnings for years to come. Of course, no one likes to think about dying, but making a will if you come into large sums of money is always a good idea.\nIf a mega millions winner dies after securing an annuity, this will become part of their estate. Whoever inherits it will continue to receive payments every year for the remaining number of years.\nWhether there are only two years left or twenty, the payouts could be huge. This would make a very nice nest egg for a lucky beneficiary. Money that could buy a new car, a house, holidays abroad, or even pay for kids’ university fees. It would certainly make life comfortable. Whether it’s a close family member, partner, or even friend, you need to take action on getting a will drawn up as soon as you’ve set up your annuity.\nCan You Have More Than One Beneficiary?\nIf you have several family members can your annuity have more than one beneficiary? Unfortunately, most states only permit one named beneficiary. If you have several children and grandchildren this could present problems.\nCheck your state lottery rules, and speak to someone if you’re not sure. In the event that they don’t allow more than one beneficiary, consider getting payments made directly to your estate. This way all the money could be evenly distributed among the heirs.\nThis is something you’d certainly need to consider carefully to avoid creating family tensions. It’s not uncommon for siblings to quarrel over an inheritance.\nWould Beneficiaries Pay Tax on Winnings?\nEach state has it’s own tax laws and your beneficiaries would be responsible for any tax liability on their share of the estate. In some cases, this could be as much as 40%", "domain": "economics"}
+{"url": "https://forum.workers.coop/t/new-finance-group-looking-for-volunteers/237", "date": "2023-05-29T05:42:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644683.18/warc/CC-MAIN-20230529042138-20230529072138-00371.warc.gz", "language_score": 0.9285902976989746, "token_count": 246, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__151701097", "lang": "en", "text": "workers.coop is creating a new finance group made up of a couple of existing Board Members and hopefully members of our community that are accountants or financial experts.\nIf you are interested in being on this group or able to advice/support in a more limited capacity. Do get in touch with me direct or sign-up here.\nTo oversee and support the financial health of workers.coop. Ensuring it follows all legal requirements and good accounting practice. Working with the project coordinator to oversee and approve financial transactions in line with the Board approved budgets.\n- To approve financial transactions within its own delegated budgets or that of workers.coop budgets where there is no existing group with delegated responsibility.\n- To make recommendations regarding all financial policy and to ensure that the Board and other working groups financial policy decisions are fully informed, documented and implemented.\n- To propose an annual budget and ensure financial accounts are presented to the Board and other groups in a timely and understandable format to inform decision making.\n- To ensure adequate financial controls and authorisation procedures are in place to safeguard the organisation.\nWe have a number of other working groups all looking for people to get involved.", "domain": "economics"}
+{"url": "https://www.bls-cargo.ch/en/news/bls-cargo-buys-10-new-vectron-locomotives-featuring-xload", "date": "2024-02-27T01:32:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474669.36/warc/CC-MAIN-20240226225941-20240227015941-00434.warc.gz", "language_score": 0.9486938714981079, "token_count": 334, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__132969393", "lang": "en", "text": "BLS Cargo is purchasing 10 new Siemens \"Vectron\" (DACHINLBE) multi-system locomotives for use in Germany, Austria, Switzerland, Italy, the Netherlands and Belgium. The locomotives also feature the newly developed XLoad equipment package.\nXLoad is a combination of features that improve the traction capability and efficiency of the locomotives. This allows heavier trains to be run in single traction, eliminating the need for additional booster or push locomotives. XLoad is a new development from Siemens Mobility and has been available since 2022.\nBLS Cargo tested the new function in detail last year and was convinced of its usefulness. \"With the new locomotives, we can run heavier trains than before on the gradients in Alpine transit. This will make us more efficient and we will also have more locomotives available in operation,\" says Dirk Stahl, CEO of BLS Cargo.\nFor years, BLS Cargo has relied on end-to-end traction concepts with multi-system locomotives, in which cross-border products are produced end-to-end to ensure maximum efficiency and quality for customers. The procurement of the 10 locomotives further supports this strategy. In addition, there will be a need for reinvestment in existing older locomotives in the coming years as well as additional demand for the targeted growth.\nThe new locomotives will be delivered in 2026. The Vectron fleet of BLS Cargo will thus grow to a total of 50 vehicles. The company had already ordered a total of 40 locomotives from Siemens Mobility in 2015 and 2020.", "domain": "economics"}
+{"url": "https://rcu.msstate.edu/connections/Stories/PostId/178/lauderdale-county-hosts-reality-fair.aspx", "date": "2020-11-29T20:06:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141202590.44/warc/CC-MAIN-20201129184455-20201129214455-00051.warc.gz", "language_score": 0.9421685934066772, "token_count": 558, "dump": "CC-MAIN-2020-50", "global_id": "webtext-fineweb__CC-MAIN-2020-50__0__93730896", "lang": "en", "text": "Northeast Middle School student Audrianna Green (center) realizes just how expensive housing is while other students scramble to find affordable apartments.\nLauderdale County School District (LCSD) Cyber Foundations II teachers promoted financial literacy to eighth grade students through a districtwide event this fall.\nHeld in November, the 2019 Reality Fair provided students with a simulation on balancing spending for necessities versus wants and other luxury items. Each student was randomly assigned a job and an average, career-specific salary. Local businesses helped students spend their income on needs — housing, groceries, transportation and insurance, for example — and non-necessities including pets, cell phones and gym memberships. Students also spun the Wheel of Reality to account for unexpected windfalls — an inheritance, for example — or expenses such as repairing or replacing a flat tire. Students kept records of their balances after each expenditure and visited credit counselors to find solutions to financial dilemmas including loans and second jobs.\nFirst sponsored at Northeast Middle School (NEMS) by MUNA Federal Credit Union under the leadership of its president, Bo Pittman, and implemented by NEMS counselor Terisa Pittman and Cyber Foundations II teacher Sheri Thornton, this year’s fair included Clarkdale Middle School, Southeast Middle School and West Lauderdale Middle School. Debbie Smith (Meridian Mutual Credit Union), Rebecca Cooper (First Mississippi Federal Credit Union) and Darlene Wilkerson (Mississippi Air National Guard Federal Credit Union) also helped facilitate this experience for the students of Lauderdale County.\nThe Reality Fair included a tour of the Meridian Community College (MCC) Workforce Development Center. There, students saw technical education classrooms where MCC students learn skills necessary for construction-related fields such as carpentry, welding and electrical installation. MCC instructors explained the importance of a good work ethic and the importance of skills development.\nThe LCSD program began with Cyber Foundations teachers at all four LCSD middle schools helping students with goal setting, career exploration and educational planning, with an emphasis on financial literacy. Teachers provided lessons on needs versus wants, salary, deductions and budgets. Lesson plans included speakers from local businesses, online financial literacy programs and teacher-created activities to help students learn how to handle personal finances. These lessons culminated in the LCSD Reality Fair, where students used what learned about income and expenses.\nThe Reality Fair and the preparatory lessons provided students an eye-opening look into the real world. When students returned to school, they shared their thoughts with teachers and expressed a deeper appreciation for their parents.\n“The Reality Fair was a fun way to help students develop financial literacy skills,” said NEMS Future Business Leaders of America President Itzel Gomez-Moreno.", "domain": "economics"}
+{"url": "https://wellbeaudiary.com/event/women-and-personal-expenses-amsterdam-netherlands-21-november-2023/", "date": "2023-12-09T12:10:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100909.82/warc/CC-MAIN-20231209103523-20231209133523-00266.warc.gz", "language_score": 0.9326011538505554, "token_count": 432, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__250970253", "lang": "en", "text": "This event is tailored to help women* navigate the world of personal expenses with confidence. Don’t miss out on this opportunity to transform your financial life!\n✨ What You Will Learn ✨\n🔹 How to Get the Most Out of Your Money:\nDiscover easy steps to make every euro count. Learn to set realistic financial goals and build an emergency fund that inspires confidence in your financial security.\n🔹 How Much in Savings Do You Personally Need:\nUncover the secrets to enjoyable saving in both your home currency and foreign currency, so you can reach your financial dreams.\n🔹 How Financial Instruments Work:\nGain the knowledge to make informed decisions about your finances. Understand which bank accounts to open, when to buy foreign currency, and how to prepare for a secure retirement.\n🔹 How to Get Out of Debt:\nStop relying on your credit card and break free from debt’s grip. We’ll help you create a practical debt repayment plan that will give you financial freedom.\n🔹 Finding Free Money in Your Budget:\nLearn to optimize your daily spending without strict restrictions. Say goodbye to unnecessary expenses and add awareness to your financial choices, freeing up extra funds.\n🔹 What to Do After the Masterclass:\nWalk away with the tools to create a simple, actionable financial plan that’s easy to follow, ensuring your financial success\nAbout Anastasia Soloveva\nAnastasia is a licensed professional wealth advisor and personal wealth planner with 15 years of experience in private banking. She helps women to organize their money routine, reach their financial goals and start to spend smart and invest.\nAnastasia Soloveva is an author of the Investment course Million Dollar Baby, personal finance expert and Harvard Business School Alum. For 17 years she has been helping her clients to improve their relationship with money, and for the last 4 years Anastasia works exclusively with women. During this time, more than 500 women and girls have completed her course, figured out their financial goals, built savings, closed their debts and credit cards", "domain": "economics"}
+{"url": "http://www.summitis.com/about/news/", "date": "2017-05-30T09:02:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-22/segments/1495463614620.98/warc/CC-MAIN-20170530085905-20170530105905-00317.warc.gz", "language_score": 0.9445083737373352, "token_count": 832, "dump": "CC-MAIN-2017-22", "global_id": "webtext-fineweb__CC-MAIN-2017-22__0__201885047", "lang": "en", "text": "Summit Information Solutions named as one of 2016\nBest Places to Work in Virginia\nJanuary 29, 2016\nSummit Information Solutions was recently named as one of the 2016 Best Places to Work in Virginia. The annual list of the Best Places to Work in Virginia was created by Virginia Business and Best Companies Group.\nThis statewide survey and awards program is designed to identify, recognize and honor the best places of employment in Virginia, benefiting the state’s economy, workforce and businesses. The 2016 Best Places to Work in Virginia list is made up of 100 companies.\nTo be considered for participation, companies had to fulfill the following eligibility requirements:\n- Be a for-profit, not-for-profit business or government entity;\n- Be a publicly or privately held business;\n- Have a facility in the state of Virginia;\n- Have at least 15 employees working in the state of Virginia; and\n- Be in business a minimum of 1 year.\nCompanies from across the state entered the two-part survey process to determine the Best Places to Work in Virginia. The first part consisted of evaluating each nominated company’s workplace policies, practices, philosophy, systems and demographics. This part of the process was worth approximately 25% of the total evaluation. The second part consisted of an employee survey to measure the employee experience. This part of the process was worth approximately 75% of the total evaluation. The combined scores determined the top companies and the final ranking. Best Companies Group managed the overall registration and survey process in Virginia and also analyzed the data and used their expertise to determine the final ranking.\nView the article and photos from the Virginia Business Magazine Best Places to Work Luncheon for 2016.\nContact Summit Information Solutions\nSummit Information Solutions Contributes to Huntsville Economy\nby Opening Second Location\nAugust 4th, 2014\nThe newest addition to Summit Information Solutions is its new office in Huntsville Alabama. The small, woman, minority owned business provides systems engineering, software technology and program management services.\nSummit is headquartered in Richmond Virginia and has been providing government solutions since 2002. The new office in Huntsville has deep roots for president and founder of Summit Information Solutions, Shuganti Caradonna. Shuganti grew up in Huntsville and earned two degrees from the University of Alabama in Huntsville (UAH); while attending UAH Shuganti met her husband Chris Caradonna. Huntsville was where the couple decided to raise their family.\n“We are excited and grateful to be able to return to our Huntsville roots,” Caradonna said. “Huntsville is the place where we both were educated, where our children were born and raised, where much of our family still resides, and where our careers were launched.”\nThe Huntsville area is growing and attracting government contracting agencies. In the past five years the city has grown by 5.8% in population. While the recent job growth is not impressive the future job growth comes in at 31.6%.\nSummit Information Solutions is a small, woman, minority 8(a) owned business that was founded in Richmond, Virginia in 2002. We provide best in class systems engineering, software technology, and program/project management services.\nIn today’s economy and fast emerging technologies, it is important for customers and consumers to expect efficient and innovative solutions. We work with our customers to identify, prioritize, and plan strategic goals to tactically align with an organization’s imperatives.\nOur team members have extensive experience delivering innovative solutions to the Department of Defense (DoD), Non-DoD Government Agencies, and the commercial sector. We strive to apply best practices from both the government and commercial industries to enable efficient solutions.\nOur mission is to create synergy in each alliance while fostering trust, respect, and teamwork to deliver efficient and innovation solutions that make a difference for all stakeholders. Our core values are excellence, teamwork, and integrity and community.\nSummit Information Solutions reported estimated gross sales of more than $4.5 million in 2013.\nContact Summit Information Solutions", "domain": "economics"}
+{"url": "https://smsvaranasi.wordpress.com/2012/09/13/corporate-lecture-series-2012-sms-varanasi-mr-shivam-bansal-director-j-j-plastalloy-pvt-ltd-delivered-a-guest-lecture/", "date": "2019-12-14T04:54:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540584491.89/warc/CC-MAIN-20191214042241-20191214070241-00014.warc.gz", "language_score": 0.8917880058288574, "token_count": 278, "dump": "CC-MAIN-2019-51", "global_id": "webtext-fineweb__CC-MAIN-2019-51__0__93736178", "lang": "en", "text": "The Corporate lecture series 2012 at SMS, Varanasi started with an expert lecture by Mr. Shivam Bansal , Director , J.J. Plastalloy Pvt on On August 28, 2012.\nMr Shivam Bansal , Ltd interacted with BBA III and V semester students of SMS, Varanasi.\nMr. Shivam discussed the various aspects of Entrepreneurship and its relevance in present business environment.\nMr. Bansal in his deliberations, emphasised on the main traits of an entrepreneur. He discussed about the shrinking job prospects and importance of entrepreneurial abilities for self dependence.\nHe also discussed the real time challenges and possible solutions to the existing problems in business operations.\nMr. Shivam Bansal; B.Tech IIT Delhi; MBA MDI Gurgaon and EDHEC Business School, France has been instrumental in steering J.J Plastalloy Pvt Ltd in the Global Economy.\nEarlier Dr. P.N. Jha , Director, SMS, Varanasi welcomed Mr. Shivam Bansal .\nDr. J.P. Mishra , Dean , SMS, Varanasi felicitated the esteemed guest by presenting a memento and proposed the vote of the thanks after the lecture session.\nDr. Meenakshi Singh Senior Lecturer SMS, Varanasi coordinated the event.", "domain": "economics"}
+{"url": "https://aegeslectures.wordpress.com/2015/09/20/debating-china-the-us-china-relationship-in-ten-conversations/", "date": "2023-03-23T02:02:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296944606.5/warc/CC-MAIN-20230323003026-20230323033026-00691.warc.gz", "language_score": 0.930505096912384, "token_count": 1615, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__51997495", "lang": "en", "text": "During the 1970s, diplomatic interactions between the United States and the People’s Republic of China (PRC) were largely limited to key strategic issues, most notably counterbalancing the Soviet Union and cross-Strait relations. After the establishment of diplomatic relations in 1979, and increasingly so in the post-Cold War period, the intensification of relations between the U.S. and China has resulted in a rapid broadening of the bilateral diplomatic agenda. U.S.-China relations have expanded from the diplomatic arena to exchanges involving security, trade, tourism, business, culture, education, health, environment, science and technology, etc. In the twenty-first century, the depth and breadth of the bilateral diplomatic agenda encompasses an extremely broad range of bilateral, regional, and global issues that are discussed and negotiated in bilateral, regional, and multilateral settings (the UN, the G-20, the WTO, the East Asia Summit, etc.) Relatedly, the cooperative or competitive dynamics between the U.S. and the PRC vary from one issue area to the other.\nNina Hachigian’s book aims to provide a portrait of these competitive and cooperative forces at play in the U.S.-China relationship by means of a dialogue – in the form of exchanges of letters – between Chinese and American scholars and policy experts. In each chapter, two specialists, one Chinese and one American, discuss one of the following nine major issue areas on the U.S.-China diplomatic agenda: economics, human rights, media, global roles, climate and energy, development, military affairs, Taiwan, and regional security. In light of the significant strategic distrust that characterises the most important bilateral relationship of the century, Debating China also seeks to offer a venue for enhancing mutual understanding between the two sides.\nAfter the introductory chapter by Kenneth Lieberthal and Wang Jisi, which provides an overview of the main international and domestic factors that are driving the U.S. and China toward conflict, rivalry, or partnership – and in which the two authors stress the deep-seated distrust between the two countries – the first issue area examined in the book is the economic dimension of the Sino-American relationship. Barry Naughton and Yao Yang critically discuss the two countries’ economic models and the main concerns in the field of bilateral trade and investment, ranging from intellectual property rights protection, to rebalancing the American and Chinese growth models, to the recent economic reforms in the PRC. Zhou Qi and Andrew Nathan assess the role of “values” and ideology in U.S. and Chinese foreign policy as well as their diverging conceptions of democracy and human rights as either civil and political rights or economic and social rights. The transformative impact of the media, including Internet and online blogs, on the domestic societies of both countries, and their implications for U.S.-China relations, are analysed by Wang Shuo and Susan Shirk. The authors converge in their assessment that the media are providing fertile soil for the growth of anti-foreign nationalism in China that could push the country into confrontations with the U.S. and its neighbours, but they disagree on the relative role of the Chinese Communist Party (CCP) in this process. Yuan Peng and Nina Hachigian explore how both countries see their respective global roles and responsibilities in the contemporary international system. While disagreeing over the likelihood of America’s decline and decreased relative power, they candidly discuss the extent to which the U.S. is willing to share power with the PRC, and whether Beijing is willing to take on greater responsibility in managing global issues. Kelly Sims Gallagher and Qi Ye show how environmental issues have also become an area of growing interaction between the world’s two largest polluters, with converging interests but differing domestic challenges in tackling pollution and the development of clean energy. The main differences in the Chinese and American approaches to development and foreign aid are highlighted in the chapter by Elizabeth Economy and Zha Daojiong. While the former offers significant criticism regarding China’s practices in the field of foreign aid and development policies (including on corporate social responsibility and the role of state-owned enterprises), the latter stresses that China’s practices have substantially improved over the years and have evolved in line with, and as a function of, its development path. Christopher Towney and Xu Hui’s chapter on the military dimension goes to the heart of the strategic distrust that permeates the Sino-American relationship and trickles down into other issues on the diplomatic agenda. They candidly demonstrate profoundly diverging views and disagreements on key areas such as the two countries’ capabilities, intentions, and strategies in the modernisation and of their armed forces, on their position on territorial disputes, on the status of Taiwan, etc. The latter topic is analysed in depth by Jian Qingguo and Alan Romberg in the chapter on Taiwan and Tibet. While agreeing that Taiwan might be the most likely trigger for a U.S.-China conflict, their exchange also shows apparently irreconcilable perspectives on each other’s intentions vis-à-vis the future status of Taiwan and its role in their respective regional strategic postures. In the last chapter of the volume, Wu Xinbo and Michael Green further exemplify the divergence in the two countries’ assessments of their regional security roles and challenges, from the North Korea quandary, to territorial disputes around the Senkaku/Diaoyu Islands and in the South China Sea, to the two countries’ “hegemonic” ambitions in the region.\nThe original format of the book offers a fruitful venue for exploring the mutual perceptions and areas of agreement and disagreement among scholars and policy experts from both countries. Overall, the chapters of the volume collectively bring to light the trust gap in the bilateral relationship on a variety of issues, ranging from exchange rate policies, to human rights, to investment and aid, to maritime issues. However, the most significant area of suspicion and concern is, unsurprisingly, in the security realm – what is labelled as “strategic distrust.” As stressed in the conclusion by former Deputy Secretary of State James Steinberg, the volume sheds light on the deep uncertainty and distrust that characterise both countries’ perceptions of the other’s motives and strategies. Instances of recurrent apprehension include whether the U.S. is intent on containing China, whether China seeks to extrude and/or to challenge the hegemony of the U.S. in the Asia Pacific, the rationale for each country’s policy vis-à-vis Taiwan, and the military modernisation of both countries. On the other hand, while acknowledging the limits to collaboration stemming from deep strategic distrust, the volume’s contributors all advocate greater cooperation in the bilateral relationship. Specifically, they put forward a range of policy recommendations and suggest pragmatic steps aimed at reducing areas of friction and expanding areas of cooperation on issues of common concern (from the environment and climate change to proliferation, piracy, and financial stability, etc.). Indeed, none of the American and Chinese contributors believes strategic confrontation between the world’s preeminent power and its rising competitor is inevitable. The underlying key thread running throughout the pages of the book is the question of to what extent – and how – strategic distrust can be tamed to facilitate U.S.-China cooperation in bilateral, regional, and global issues, thereby avoiding a military confrontation. It is the balance between these conflicting forces and contradictory logics at play in the U.S.-China relationship – those of strategic distrust versus common interests and cooperation – that might well decide the prospects of great power conflict, or its absence, in the twenty-first century.\nHugo Meijer (King’s College London)\nCette recension a originellement été publiée dans le numéro 2015/3 de China Perspective.", "domain": "economics"}
+{"url": "https://www.blackledgefurniture.com/Internal.Links/Synchrony.finance.htm", "date": "2021-08-02T23:52:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046154408.7/warc/CC-MAIN-20210802234539-20210803024539-00088.warc.gz", "language_score": 0.9196798205375671, "token_count": 611, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__29483497", "lang": "en", "text": "Purchase Financing Information\nGeneral information on our Synchrony Financing Programs\nTo help you finance your purchase at the lowest possible cost, we offer convenient revolving charge accounts through Sychrony Financial, a credit service of Sychrony Bank As one of the largest national providers of retail financing, Synchrony's programs allow us to offer you higher credit limits and special long-term or reduced interest options.\nPlease read and make sure you understand all the terms of the charge agreement you received. The account terms are written in plain language but if you have any questions please call us. Also carefully read your monthly statements to make sure you are making at least the minimum required payment each month.\nTo help you understand your charge account and insure that it functions smoothly, please read your financing agreement and take a moment to review these important reminders:\nSAME-AS-CASH NO INTEREST OPTION: If a same-as-cash or no interest option is marked on your Revolving Charge Sales Invoice agreement, you may avoid all interest charges. If you pay the full original “amount financed” prior to the end of the “Same as Cash” option period and have also made the minimum monthly payments required, the interest that has accrued on your sale will be credited off. The option period is the number of monthly cycles from the date of delivery or availability for delivery. If you later decide not to pay the full amount before the end of the option period, the account automatically reverts to a standard account, and normal monthly interest is charged on your outstanding balance from the date of delivery, like other credit card accounts. You must however make at least the minimum monthly payment to avoid additional finance charges and penalty fees. Since your monthly statement will list only the required minimum monthly payment as due, please remember to write down the same-as-cash expiration date and pay the full amount financed before this date. Note that the expiration date of the promotional period of a special credit plan is not necessarily the same date as a payment Due Date for your account.\nIf you have any questions regarding your account balance, and payments made, or if you wish to request a modification to your agreement, please see the Synchrony Bank contact information on your copy of the application. Please call the Synchrony Financial Customer Service Department at 1-866-396-8254, or call our office for assistance. Account payments should be mailed to Synchrony Financial, PO Box 965035, Orlando, FL 32896-5035. You can also make payments on line at www.mysynchrony.com To make sure your payments are properly credited, we can not accept any customer payments at Blackledge Furniture.\nIf the amount of your contract is incorrect, or you have not been credited for any returned items, or if you have been billed for items which are not yet available for delivery, please call our Office Manager at 541-753-4851, so that we may help correct your account.", "domain": "economics"}
+{"url": "http://mattonthemainline.com/investment-property.php", "date": "2017-12-12T04:26:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948515165.6/warc/CC-MAIN-20171212041010-20171212061010-00119.warc.gz", "language_score": 0.9499226212501526, "token_count": 1146, "dump": "CC-MAIN-2017-51", "global_id": "webtext-fineweb__CC-MAIN-2017-51__0__166683831", "lang": "en", "text": "Services for Investment Property Owners\nPurchasing Investment Properties\nNeed help finding that perfect investment property? As a real estate developer and investor, I have a lot of experience in investment properties. Purchasing an investment property -- especially something like a multi-family building -- is much different than buying a home for yourself to reside in. Unlike purchasing real estate to live in, purchasing a rental property is solely about making a return on your investment, either on a monthly basis or in the future. True, the house you live in is an investment as well, but for most people their own home is about so much more than just an investment.\nInvesting can be daunting if you have never done it before.\nI can help you find good investment deals, be it to flip or for an ongoing income stream. As there are many different ways to analyze an investment properties worth, it can be daunting if you have never done it before. Despite the market bubble in some areas, Philadelphia did not artificially inflate as much, and has always been one of the most affordable big cities on the east coast. Investing in major urban areas is never a bad thing as scarcity of land drives the value. For instance, as local universities — such as the University of Pennsylvania, Drexel, and Temple — continue to expand their enrollment each year, the demand for student rentals continues to rise. Areas in the city continue to gentrify and rents continue to increase accordingly. I can also help you identify the hot areas that are on the rise.\nI have purchased or helped purchase investment properties in California, Virginia, Florida, Pennsylvania, and Canada. My areas of expertise for investment properties in Philadelphia include University City, Center City and the Main Line. I would be happy to assist you in your investment property needs.\nAs a property manager and investor, I have found many renters for houses and apartments in the past. I know the places to advertise, and have a great deal of experience with tenants.\nIt can be a time-consuming process finding a tenant, so let me help you with the process. Whether it is a multi-family investment property or you just need to rent your home while you travel for the year, I can help find you renters for your property.\nFinding a renter by yourself may be easier than selling for sale by owner (FSBO), but the fees you pay to a Realtor to show your property and place it on the multiple listing service (MLS) can often help you get your property rented a couple months sooner and ends up saving you money in the end. Either way, I would be glad to give you a hand renting your property or helping you determine the correct rent to charge. Shoot me an email or give me a call and I would be happy to give you a free, no pressure estimate.\nMain Line Communities\nThis attractive contemporary home is for sale in north Villanova (Lower Merion Township) on a level one-acre lot. In the heart of the Main Line, this home is near the estate section of Villanova. Houses on the street have sold for over a million dollars (house next door sold for 1.4 million). The lot itself is worth the asking price. This is a fabulous opportunity to get into the prestigious Main Line, in a multi-million dollar neighborhood with blue ribbon schools, for a reasonable price. House is close to numerous local Septa stops (a 19 minute ride to center city), the 476, the 76, the fabulous King of Prussia shopping center and Villanova University.» More Information...\nEach day Realtor Matt Jahn scours the new listings for the finest estates and best values the Pennsylvania Main Line has to offer. This includes new listings, short sales, foreclosures, and new construction. Matt has an excellent eye for a quality find, and his top selections rarely stay on the market long; sometimes they are under contract within days of becoming available. Don't miss out on your dream Main Line home, whether it be a condo or sprawling estate. Contact Matt today for an appointment to see the best the Main Line has to offer. Read his Guide to Main Line Real Estate to learn more about the many communities he serves.» More Information...\nThe Main Line has many excellent features, but one of its greatest assets is its many nationally recognized and ranked public and private schools. Not only does the Main Line have some of the best and highest rated grade schools, but is home to many world-class colleges and universities as well. One of the driving forces of real estate prices and a big part of desirability is an area's school system. Whether you are looking for a great school for your children, or want a good school system for resale value, the Main Line fulfills these criteria. With high test scores, low teacher to student ratios, and a lot of tax money going into the system, you cannot go wrong with any school district on the Main Line.» More Information...\nPrudential Fox & Roach Realtors are the #1 Realtor on the Main Line and the #1 single-market Realtor in the country. Our market dominance and resources give us an unmatched ability to perform for you. Whether you are buying, selling, renting, or relocating, when you call on Prudential Fox & Roach, you access a network of passionate professionals with rock-solid, real-world connections and the best marketing technology in the business. We create a positive experience and add value to all those we impact. Our professionalism is a role model for our industry and the public.» More Information...", "domain": "economics"}
+{"url": "https://www.texascovers.com/significance-guest-check-presenters-restaurants/", "date": "2020-02-25T13:35:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875146066.89/warc/CC-MAIN-20200225110721-20200225140721-00277.warc.gz", "language_score": 0.9628373980522156, "token_count": 477, "dump": "CC-MAIN-2020-10", "global_id": "webtext-fineweb__CC-MAIN-2020-10__0__128643063", "lang": "en", "text": "Restaurant business is a highly profitable business and at the same time, a lot of risks is involved too. The major feature of this sector is it is very difficult to have loyal customers but very easy to lose them. Hence, a lot of care should be taken all the time.\nCustomers are highly sensitive and will have different tastes. A restaurateur should be able to satisfy different tastes of customers. Along with the taste of the food and hygienic surroundings, a customer will expect good service too.\nGood service includes prompt attention, quick service and politeness. The customer should be attended to as soon as he or she sits at the table. Customers should be provided with the menu and the waiters or waitresses should stand beside the customer to clear their doubts. A good waiter should also be a good sales executive and be able to divert the attention of the customers to the most profit making items.\nPoliteness is an added qualification for the waiters. The decorum maintained by the waiters will certainly make the customers feel as they are held in high esteem. Once, the order is taken, the food should be served as early as possible.\nNow the final part is the presentation of the bill to the customer. Certainly, after consuming the food, he or she owes money to the restaurant but the same thing should be told with elegance. This can be done with guest check presenters.\nA guest check presenter will help to handover the bills safely and with due respect. Most of the guest check presenters will have two pockets, one to keep the bills and the other to keep the debit/ credit cards or the cash. There are different types of guest check presenters available in the market and most of the manufacturers offer economy guest check presenters and deluxe guest check presenter so that every restaurant can afford them.\nFaux leather check presenters are another variety which is largely used in classic restaurants. Each type of guest check presenters can be customized with logo and name on the front side. There will be a “Thank You” message at the rear by default.\nIf you are seriously into the restaurant business and so far have not made presenting bills to guest check presenters, it will be better to start with. This will clearly show the difference and you will certainly be able to create more loyal customers.", "domain": "economics"}
+{"url": "https://www.brooks-accountants.co.uk/blog/", "date": "2019-03-26T07:06:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912204857.82/warc/CC-MAIN-20190326054828-20190326080828-00067.warc.gz", "language_score": 0.9633976817131042, "token_count": 1872, "dump": "CC-MAIN-2019-13", "global_id": "webtext-fineweb__CC-MAIN-2019-13__0__211975531", "lang": "en", "text": "Are you VAT registered and not currently using Xero accounting software?\nWe started talking about Making Tax Digital (MTD) a few years ago now and yet for VAT registered businesses the commencement date is almost upon us.\nStarting April 2019 all VAT registered businesses will be required by law to submit their VAT returns every quarter via a digital source only. There will cease to be paper forms and even HMRCs current free VAT filing software is being discontinued.\nWe are encouraging all such businesses to talk to us about moving o Xero software as soon as possible in order to ensure complete fluency and accuracy in time for the MTD deadlines.\nFor those not registered for VAT, you will be required to go digital in time for quarterly accounts and tax filing from April 2020, so speak to us sooner rather than later.\nTo see what Xero cloud accounting can do for you request our brochure or follow the link to Xero online.\nSuccession planning is often seen as solely for when a company director-shareholder retires. However, if a sole director-shareholder dies and no plans have been made for the company's future, it can leave the company in a very vulnerable position. Whilst acting as a sole director-shareholder of a limited company has its benefits it also has its risks.\nIn order to avoid any difficulties or uncertainty in the event of the death of a sole director-shareholder, you should review your company's Articles of Association as soon as possible and make any necessary amendments, to ensure your company could continue to operate in such circumstances.\nThe good news is that this issue was addressed in the new model Articles of Association for companies incorporated after 1st October 2009. However, if your company was incorporation before this date then, as qualified Chartered Company Governance advisors, we can assist you in amending your company documents accordingly.\nOne important case in point shows how the High Court had to step in to take emergency action to save a business.\nMr P was a sole director-shareholder of Lancashire Cleaning Services. Whilst he appointed executors for his estate in his Will he did not update the company's Articles of Association to allow the executors to make decisions on behalf of the company, such as appointing a new director. When Mr P passed away, the company's assets were frozen and employees could not be paid, and the executors were powerless to help.\nThe situation in this case was considered an emergency, calling for the High Court to step in and rectify the register of members (shareholders) with the executors, so that they could pass a resolution to appoint a new director. Although the court usually requires a Grant of Probate before allowing this, the urgency in this case was sufficient for the court to proceed without, as it was thought the company would not otherwise survive.\nDirectors of small limited companies have generally always withdrawn money from their companies on a monthly basis to ensure they have enough money to live on. This is usually done on in the form of a small salary topped up with dividends.\nAt the end of the financial year your accountant then calculates how much dividend can be declared and hopes it's enough to cover the amounts withdrawn throughout the year!\nThis isn't really the true nature of dividends. They are financial rewards which can only be declared if there are profits available after the calculation of estimated corporation tax. There are also compliance issues to be dealt with too.\nWith the advent of the new dividend tax allowance it has meant that interim as well as final dividends may need to be declared, if your financial year end falls outside of the tax year.\nHMRC are clamping down on these procedures and with digital technology can now prove if dividends are taken and then declared retrospectively.\nRead more here on how to protect yourselves:\n- Ensuring a proper paper trail for HMRC such as printing out a trial balance to show the company has made enough profit to declare an interim dividend;\n- Recording both interim and final declarations in the minutes of board and annual general meetings;\n- Completing dividend vouchers and distributing to each shareholder\nThese compliance procedures can often be overlooked by small companies but with recent case law where HMRC are reclassifying payments as employment it is essential you are covered or you could be looking at a large tax bill.\nAs we are also qualified Chartered Company Secretaries we can undertake these procedures for you to ensure you remain 100% compliant, so please just give us a call.\nWe have been nominated for the expert business and financial advice we provide to our clients when they have aspirations to grow their businesses.\nThe high growth programme that we deliver has meant we've helped clients in the following ways:\n- helped grow one start up client to be a million pound company;\n- a client who was on the brink of collapse to have achieved 30% growth;\n- a stagnant client ready to close it's door through frustration, to adapt it's business in a different direction and achieve great success .\nPlease contact us if you would like to know more about our high growth programme.\nWe have moved\nSetting your goals for 2018\nThe New Year is always a great time to start thinking about what you'd like to achieve in the next 12 months, either personally, in your business or both.\nHowever, many of us like to think about our goals for the year ahead but unless we put in place a short term plan of how we're going to achieve them, then the chance of pulling them off is very slim.\nYour short term goals can take many forms such as:\n- Increasing turnover;\n- Making cost efficiencies;\n- Entering a new market;\n- Recruiting new staff.\n- Starting a new hobby;\n- Thinking about retirement;\n- Buying a new house;\n- Planning a holiday.\nOnce you've decided on your goals you must then work out a plan of how to achieve these.\nAt Brooks Accountants we help you set strategic plans that ensure you realise your dreams.\nGive us a call to discuss your ideas 01253 731791.\nSuzie Brooks of Brooks Accountants has won the Women in Business Award for “Financial Advisor of the Year” in the Downtown Lancashire in Business Awards.\nEstablished in 2003 by Suzie, Brooks Accountants offers a forward thinking approach to accounting to a range of corporate businesses and SMEs across the UK. Utilising her vast experience in the business world, Suzie’s business offers much more than your standard accountancy practice, including business advice that help clients grow their organisations through strategic planning and the use of simple tools in key business areas.\nSuzie commented, “I’m thrilled to have won this prestigious award. It is testament to our innovative approach with clients. We don’t just communicate with clients when tax returns are due, we work together on a regular basis to ensure clients have up to date information with which to make valuable business decisions. We take the time to get to know each client, where their business currently sits in their market sector, where they want to be in the next few years and then consider how this can be achieved. A range of clients have significantly grown their businesses over the years with our support.”\nAnother of Brooks Accountants services includes business support webinars. This has proved extremely popular with clients and prospects who have found the advice extremely beneficial. These cover a wide variety of topics including:\n- Understanding the numbers – What your accounts really mean and how to use them\n- How to set budgets and cash flow forecasts\n- Putting together business plans and projections\n- How to access finance\nSuzie concluded, “I hope this accolade will enable organisations to see the value we can add to their business and how we can help them succeed through strategic financial planning and management.”\nIt’s not exactly a riveting subject, but there are new data protection rules coming into effect that could affect many businesses.\nYou’ve probably already seen plenty of ‘stuff’ about GDPR, which stands for General Data Protection Regulation.\nThe new legislation comes into effect in May 2018 and it’s relevant to any UK business, small or large, that holds customer data. In other words, most businesses.\nTo help Britain’s smallest firms get their house in order, the Information Commissioner’s Office (ICO) has confirmed that its GDPR helpline will go live on November 1 2017.\nThe VAT man often gets a very bad press and most people would expect him to be totally bah humbug when it comes to having a wild time at the Christmas party, but hang on, this isn’t necessarily the case.\nProviding entertainment for employees to reward them for good work or to help maintain staff morale should help your business and therefore it can be argued that you are spending the money for a business purpose.\nVAT is reclaimable when it is incurred for a business purpose, so you can see how it is possible to claim the VAT back on your party, but there’s more to it.", "domain": "economics"}
+{"url": "https://aidstation.co/home/affiliatedisclaimer", "date": "2021-06-23T21:30:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623488540235.72/warc/CC-MAIN-20210623195636-20210623225636-00021.warc.gz", "language_score": 0.9653757810592651, "token_count": 179, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__89268949", "lang": "en", "text": "AidStation is user-supported. We may earn a small commission when you purchase products through our links.\nThis doesn't affect which products are included in the these lists. All of the products in the discovery lists are there because someone and/or several other runners on AidStation actually used the product and decided to recommend the product on AidStation. The results cannot be manipulated by brands wanting sales and will always represent real-time collective insights from the entire community in a completely transparent and unadulterated way.\nCommissions we make from your purchases allow us to keep the platform going and for us to put as much time and energy into providing the best possible solutions to all your running needs.\nAidStation is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.", "domain": "economics"}
+{"url": "https://joseph.shopsandiegorealestate.com/blog/Buyer+Seller+Advice+October+2017", "date": "2018-08-14T08:19:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-34/segments/1534221208750.9/warc/CC-MAIN-20180814081835-20180814101835-00486.warc.gz", "language_score": 0.9740973114967346, "token_count": 644, "dump": "CC-MAIN-2018-34", "global_id": "webtext-fineweb__CC-MAIN-2018-34__0__41840892", "lang": "en", "text": "Don't believe the hype around buying a fixer! Due to San Diego's high demand for homes, our fixer-upper properties are not selling for that much less than the move-in ready homes. Most of the time, it is actually more affordable to buy a home already remodeled, rather than putting up the capital yourself after purchase. Also, it's going to be easier for most San Diegans to increase your loan by $50K to buy that move-in ready home, versus a fixer and $70K+ paid out of pocket in order to do a similar remodel.\nHowever, if you are still interested in a fixer, here's a good place to start: Click Here\nHire a designer, not a stager! While staging usually does pay for itself and typically helps homes sell much faster, the typical seller in today's market is still living in the home they wish to sell and it's a designer they need, not a stager. We like to hire our interior designer to go through the home and create a list of things that should to be changed, all while using the clients furniture already in home to 'stage'. This saves our clients money while still getting top dollar for their homes!\nHaving been raised in North County San Diego, Joseph has a great wealth of experience and knowledge of each community San Diego has to offer. Combined with being extremely hard working, having a great attention to detail, and having the ability to listen, Joseph’s clients receive an elite level of service. Entering Real Estate during the fall of the market in 2007 Joseph quickly realized he needed separate himself from the average agent, he saw that the real estate industry as a whole was lacking technology and modern marketing techniques, which led Joseph to create The Arendsen Group that has a philosophy to utilize technology and to always stay ahead of the industry. His proven modern day marketing system has caused each one of his listings to sell faster, and for more money than the competition. Joseph has been involved with almost every aspect of real estate, originally starting at Prudential California Real Estate and quickly being noticed as a top buyer’s agent, Joseph was recruited by The Endeavor Group where he continued his success with helping buyers, branching off in 2009 to join Chase Merritt a large real estate development & investment company, Joseph learned everything there is to know about investing in residential real estate all while being their listing agent for over 64 properties in San Diego. Whether it’s Buying, Selling, or Investing, Joseph can help!\nCan it be true?? Ladies and Gentlemen, no fools’ jokes wen\n\"Joseph was an Amazing real estate agent and my husband and I had a positive experience . We we're in a time crunch for our move in date he was able to meet the deadline. He's organized and is always on the ball . Also, he was able to share his background experience with flipping houses. I found this most valuable when walking through a house and getting ideas from him and possible costs of projects . This is the first of hopefully many homes we purchase in the area and we would utilize him again .\"", "domain": "economics"}
+{"url": "http://graus-cht.org/", "date": "2017-01-23T14:35:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-04/segments/1484560282932.75/warc/CC-MAIN-20170116095122-00138-ip-10-171-10-70.ec2.internal.warc.gz", "language_score": 0.9475368857383728, "token_count": 240, "dump": "CC-MAIN-2017-04", "global_id": "webtext-fineweb__CC-MAIN-2017-04__0__230808982", "lang": "en", "text": "The GRAUS (Gram Unnayon Sangathon) – Organization for Rural Socio-economic Development – began its journey in 1998 with its headquarters in Bandarban, in the southern hill district of Bangladesh.\nIt has been working among the disadvantaged and underprivileged section of the people of the district, irrespective of race and religion, especially among the deprived section of the indigenous people’s community.\nGRAUS is a non-profit and non-political socio-economic organization committed to the development of the region through eco-friendly measures for the sustainability of the local environment. It is committed to the needs-based development of the indigenous way of life and the betterment of the living conditions and local environment in par with the modern pace of development.\nSince 1998 GRAUS has been engaged in dedicated service to the local community, working for the poverty alleviation of the underprivileged section of the people.\nThe number of beneficiaries, the area of geographical coverage, the overall increase in manpower, and the acceptance among those with whom GRAUS has been working - they all show the rate of progress GRAUS has achieved in such a short time.", "domain": "economics"}
+{"url": "http://roofcontrol.co.uk/flat-roofing-services/solar-energy-solutions/", "date": "2022-08-07T17:04:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570651.49/warc/CC-MAIN-20220807150925-20220807180925-00099.warc.gz", "language_score": 0.9467257261276245, "token_count": 611, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__47698468", "lang": "en", "text": "Reduce your electricity bill and increase the value of your property with Solar Panel Installation.Get a Free Quote\nIf you have ever considered adding solar roof panels to your home, now is a good time to do it. Adding solar roofing panels can reduce your electricity bill significantly and it is great for the environment.\nThe roofing panels are now available in a variety of colours and shapes so they look more attractive. Some solar roof panels look just like roof tiles and can make an attractive alternative to traditional roofing materials.\nThere are even clear solar panels that you can use on conservatories or greenhouses. If you are looking at a new roof or doing some major roof repair in the future, it makes sense to consider adding solar roof panels because they can actually reduce your costs.\nHow does it work?\nSolar roof panels are photovoltaic cells that take energy from the sun to generate electricity. They are referred to in the industry as photovoltaic roof panels (PV).\nYou do not have to have lots of direct sunlight in order to make the solar panels work, They only require daylight.\nA PV cell contains silicon or some other semi conducting material that generates an electric field across the layers of silicon when light shines on it. The stronger the light, the more electricity is produced.\nTo be able to use solar panels, your home or building needs the roof or wall to have an unobstructed view within 90 degrees of south. If there is too much shadow, then the electricity output will be less.\nWe can help you determine if your home or building will be able to benefit from solar panel installation.\nPretty much maintenance free\nMost solar panels are not much of a problem when it comes to maintenance. The system components should be checked out on a regular basis by a qualified technician, and the panels need to be fairly clean. Tree growth around the building should be kept in check to ensure that the tree branches are not keeping sunlight from the panels.\nUnited Kingdom’s climate used to be a big issue in terms of the effectiveness of solar roofing panels. However, improvements in solar technology and manufacturing make the solar roofing panels more effective in climates where there is not a lot of sustained sunlight.\nThese technological improvements have also brought down the cost of solar technology and the expenses involved in solar panel installation. The new solar roofing panels are meant to withstand all kinds of weather including frost, heavy wind and snow.\nSubsidies for solar panels\nUnfortunately, there has been a recent cut in government subsidies for installing solar roofing panels on your home in the UK. Since the subsidy was cut, the number of installed solar roofing panels has dropped substantially.\nHowever, the Solar Trade Association reports that it still makes great economic sense to install the solar roofing panels as it is a good financial investment in your home, and installation costs have dropped significantly.\nCall us today for a no obligation chat about our Solar Energy Solutions or send us an email.", "domain": "economics"}
+{"url": "http://wealthboy.com/stock-exchanges-curtail-short-selling/", "date": "2016-05-27T06:19:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-22/segments/1464049276543.81/warc/CC-MAIN-20160524002116-00077-ip-10-185-217-139.ec2.internal.warc.gz", "language_score": 0.9704769253730774, "token_count": 451, "dump": "CC-MAIN-2016-22", "global_id": "webtext-fineweb__CC-MAIN-2016-22__0__26927961", "lang": "en", "text": "Yesterday the SEC and UK’s Financial Services Authority made very drastic moves by disallowing traders from shorting financial stocks. Selling short is the practice of selling shares of securities that are not owned by the seller. Shares are borrowed on margin, sold, and then purchased at a later date. If the price is lower when the shares are repurchased, then the short seller makes a profit. If the price is higher, the short seller suffers a loss. I think that banning short selling on financial stocks is a really bad idea for two reasons:\n- It will undoubtedly cause a short squeeze (as we began to see yesterday with the Dow rising 400 points). A short squeeze takes place when there is a lot of open short interest (a lot of people shorting a stock) and the stock begins to rise. As the stock rises, many short sellers buy back the stock to prevent or cap their losses. With many short sellers buying back the stock, it increases the demand for the stock and a snowball effect takes place as the stock skyrockets. Many short sellers will receive margin calls and will either have to increase the value of the assets in their account or be forced to buy back short positions at a loss.\n- It does absolutely nothing to solve the problems that are causing financial stocks to drop in the first place. Financial firms have seen their market value falling because of the difficulty they are facing in finding sources of capital. The cost of borrowing for lenders and banks has increased due to the credit crunch. Banning short selling on financial stocks does absolutely nothing to resolve the fundamental issues that have caused the market value of financial firms to fall.\nThe action taken by the U.S. and U.K. regulatory agencies are likely to cause more problems than they will solve. It will only increase the volatility in the stock market as a short squeeze takes place and after the ban is lifted. After the ban is lifted, we will likely see the financial stocks drop once again. Why? Because the underlying issues still exist and the market will value the price of those financial institutions accordingly. The day traders are going to really have a field day as they buy up shares of financial stocks and subsequently short them after the ban is lifted.", "domain": "economics"}
+{"url": "https://threeoaksengineering.com/three-oaks-receives-sba-economically-disadvantaged-women-owned-small-business-certification/", "date": "2023-10-04T10:51:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511364.23/warc/CC-MAIN-20231004084230-20231004114230-00828.warc.gz", "language_score": 0.9430506229400635, "token_count": 178, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__309404344", "lang": "en", "text": "March 9, 2021\nThree Oaks Engineering has been certified as an Economically Disadvantaged Women-Owned Small Business (EDWOSB) by the US Small Business Administration (SBA) Women-Owned Small Business Federal Contract Program (WOSB Program), as set forth in Title 13, Part 127 of the Code of Federal Regulations (CFR). With this certification, Three Oaks is eligible to compete for WOSB Federal Contracting Program set-aside contracts within eligible industries where women-owned small businesses are underrepresented. The federal government’s goal is to award at least 5 percent of all federal contract dollars to women-owned small businesses each year.\nWe look forward to offering our environmental, planning, and traffic engineering services to new clients in the federal market. You can learn more about our services at https://threeoaksengineering.com.", "domain": "economics"}
+{"url": "https://links.klein.st/posts/first-fba-sale/", "date": "2023-06-06T15:24:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224652959.43/warc/CC-MAIN-20230606150510-20230606180510-00515.warc.gz", "language_score": 0.9664271473884583, "token_count": 129, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__251398609", "lang": "en", "text": "First FBA sale!\nAfter some struggles to get our first shipment accepted into the Amazon warehouse, we got our first order on the day that the package was received!\nIt was a Playmobil Muscle Bike:\n- We had bought it for 3,99 € for sale at Kruidvat\n- Sending costs to Amazon were 1,3€ (we have cheaper options now)\n- Sold it for 14,28 € on Amazon\n- Amazon total costs 5,65 €\n- Ending up with a payment of 8,63 €\nA nice 63% return on investment, not too bad for our first intent.", "domain": "economics"}
+{"url": "https://cartermachinerycareers.silkroad.com/cartermachinerycareersext/Employee-Benefits.html", "date": "2020-05-30T23:53:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347410535.45/warc/CC-MAIN-20200530231809-20200531021809-00421.warc.gz", "language_score": 0.9360066652297974, "token_count": 1113, "dump": "CC-MAIN-2020-24", "global_id": "webtext-fineweb__CC-MAIN-2020-24__0__89372941", "lang": "en", "text": "When considering your next career move, consider the whole package. Carter Machinery offers a comprehensive compensation and benefits package designed to provide our employees and their families with peace of mind. From healthcare and generous paid leave to an impressive 401k plan, you'll find that our benefits package is among the best in the business.\nHEALTH INSURANCE: Medical and dental insurance is offered at a reasonable cost to eligible employees*.\nPrescription Drug Plan: Employees receive prescription drug benefits.\nVision: Vision benefits are available.\nCAFETERIA 125 PLAN: Carter offers both a Flexible Spending and Dependent Care Spending Program.\nLIFE INSURANCE: Free group life insurance for all full-time employees*. Coverage is based on previous years earnings: Natural Death = 1 times earnings, Accidental Death = 2 times earnings. Additional life insurance may be purchased on employee, spouse and dependent children.\nSHORT & LONG-TERM DISABILITY: Free short and long-term disability coverage is provided to all full-time employees*. Employees off work due to an extended illness or accident may receive up to two-thirds of their wages.\nWORKERS' COMPENSATION: Workers’ compensation benefits are available to employees who sustain an injury or illness arising out of and in the course of their employment. Benefits include medical expenses and protection against total lost income.\nRETIREMENT & SAVINGS PLAN: Carter offers an outstanding retirement plan available to all employees beginning on their hire date with the company.\n401(k) – Company Match: Employees may make a 401(k) tax-deferred contribution as limited by IRS regulations. Carter will match your contribution up to 6% of your total compensation depending on years of service with the company.\n- 9 or Less Years of Service = $0.75 Match\n- 10 – 14 Years of Service = $1.00 Match\n- 15 or More Years of Service = $1.25 Match\nA variety of funds are available to suit your personal investment strategy. They are daily valued and employees may change their investment choices as often as they wish, either via phone or internet.\nYear End Contribution: In addition to the 401(k) matching contribution, the company may make a year-end contribution to eligible employees based on business conditions. This contribution is optional by the company.\nEmployees must work 1,000 hours during the plan year and be employed on the last day of the plan year in order to receive the Company Match and Discretionary Company Retirement Contribution. An employee is 100% vested in the Company’s contributions after 3 years of service with 1,000 hours each plan year.\nTIME AWAY FROM WORK:\nVacation: To offer a break from work, all full-time employees will receive vacation as follows.\n- If you are employed on the first working day of January, you receive 2 weeks of vacation. If you are employed after the first working day of January, you will receive a prorated amount of vacation.\n- January 1st following your sixth anniversary date, you will receive 3 weeks of vacation.\n- January 1st following your tenth anniversary date, add one vacation day per year until a maximum of 4 weeks after 15 years.\nHolidays: Carter recognizes the following paid holidays.\n- New Year’s Day\n- Memorial Day\n- July 4th\n- Labor Day\n- Thanksgiving Day\n- Thanksgiving Friday\n- Christmas Eve**\n- Christmas Day**\n**(Depending on your shift and the days of the week on which Christmas Eve and Christmas Day fall, there will be a minimum of one paid holiday per year at Christmas. Some years there will be two paid holidays at Christmas.)\nPersonal Time: Employees earn up to five days of paid personal time per year.\nBereavement Leave: For the death of an immediate family member, employees may be eligible for time off with bereavement pay (determined by relationship to employee).\nJury Duty Pay: Employees are compensated by Carter for the time actually required for jury service during which the employee would have otherwise been working. Specific guidelines exist on reporting back to work on jury duty days.\nDIRECT DEPOSIT: Employees enjoy the convenience of direct deposit into their checking and/or savings accounts. Hourly employees are paid bi-weekly. Salaried employees are paid on the 10th of each month.\nCREDIT UNION MEMBERSHIP: Carter Machinery employees are eligible for membership in the Citizens Equity First Credit Union (CEFCU) and enjoy the convenience of payroll deductions for savings, checking, Christmas clubs and loans.\nEDUCATIONAL ASSISTANCE: Tuition reimbursement is available to full-time employees who have been employed for at least 6 months, if classes are job related.\nUNIFORM, SHOE & TOOL ASSISTANCE: Carter pays the cost of uniform rental for those parts and service personnel who are required to wear uniforms. Allowances are also offered for safety shoes and tools. For those technicians needing new tools, interest-free tool loans are available.\n*Some benefits require a nominal waiting period for enrollment. Full details of all benefits are available from the Human Resources Department.\nThe information above is a summary of employee benefits currently available to Carter Machinery employees and is not intended to be a contract. Benefits are reviewed and updated periodically, with changes at the sole discretion of the company.", "domain": "economics"}
+{"url": "http://www.aglc.com/Universal/PressRoom/2009/20090615.aspx", "date": "2013-12-06T14:52:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386163051986/warc/CC-MAIN-20131204131731-00015-ip-10-33-133-15.ec2.internal.warc.gz", "language_score": 0.9497328400611877, "token_count": 1674, "dump": "CC-MAIN-2013-48", "global_id": "webtext-fineweb__CC-MAIN-2013-48__0__42479795", "lang": "en", "text": "Atlanta Gas Light unveils $400 million 10-year system\nJune 15, 2009\nATLANTA - June 15, 2009 -- Atlanta Gas Light Company plans to initiate the most comprehensive investment in new energy infrastructure in its 155-year history, according to a proposal filed Friday, June 12th with the Georgia Public Service Commission (PSC). About AGL Resources\nPending approval by the PSC, the new Strategic Infrastructure Development and Enhancement (STRIDE) program would allow the natural gas utility to invest $400 million over the next ten years in infrastructure improvements. Those improvements would include upgrading the backbone of the utility’s distribution system and liquefied natural gas (LNG) facilities to improve system reliability and create a platform to meet forecasted growth.\nComputer modeling and engineering analysis suggest the growth experienced in the Atlanta region over the last 20 years necessitates investment in core natural gas delivery infrastructure to maintain proper pressure, minimize the risk of service interruptions, and meet future demand.\n“Not only has this region experienced rapid growth in the last two decades, but the growth has shifted away from our interstate supply points and existing high-pressure pipeline system,” said Jay Sutton, vice president, Engineering and Operations. “While we have a history of maintaining a safe, reliable system and have made significant enhancements to portions of our system, industry standards indicate we need to reinforce the system and prepare for forecasted growth.”\nIn the first three years of the STRIDE program, system improvements are planned in the counties of Cherokee, Clayton, Cobb, Coweta, Gwinnett, Fulton, Forsyth, Henry, Paulding and Rockdale. It is expected that subsequent three-year plans would be submitted for PSC approval based on 10-year forecasting. In the sixth year of the program following PSC approval, Atlanta Gas Light intends to expand its existing LNG storage facilities in Cherokee County to help strengthen system reliability and available supply throughout the metropolitan region.\nUnder the proposed filing, the new STRIDE program would merge with the company’s existing Pipeline Replacement Program (PRP) initiated in 1998. The PRP has replaced approximately 2,200 miles of aging bare steel and cast iron pipe and has allowed the company to improve safe operations on the system over a shorter time period. Customers pay the PRP surcharge as part of the Atlanta Gas Light charges included on their bills from certificated natural gas marketers in Georgia.\nIf approved by the PSC, the existing $1.95 monthly PRP charge for residential customers would increase by 95 cents beginning in October 2009. Small commercial customers, who pay $5.85 per month under the current rate design set by the PSC, will pay an additional $2.85.\nAtlanta Gas Light President Suzanne Sitherwood said that despite current economic conditions, it is an ideal time to invest in infrastructure.\n“By initiating this program in the fall, our customers will receive more value as construction costs are lower and the cost of borrowing money is relatively low. And with commodity rates for natural gas itself much lower than in recent years, we believe the overall impact on customers may be largely offset,” said Sitherwood.\nBy using the existing surcharge in order to recover program costs, system improvements should occur in a more consistent, uniform manner and at less cost to the consumer than if recovered through base rate charges, which can change year-to-year depending on the outcome of expensive rate cases.\n“Considering that we may borrow and spend as much as $78 million in a given year during the 10-year construction program, it is important we use a recovery mechanism with which investors and financial institutions are familiar,” said Sitherwood. “By expanding the existing surcharge to pay for these necessary improvements, we should get access to ready capital at favorable rates. The ultimate beneficiary will be our customers, who will gain from the improved operating capabilities of our system.”\nOther utilities around the country are using similar surcharge-based programs to conduct major construction programs. A recent report by the American Gas Association says some 22 utilities in 11 states are using infrastructure surcharges or have a case pending.\nSitherwood said the economic impact of the program is expected to boost the area economy and, on a small scale, help a struggling construction sector.\n“Once we get underway, our Georgia STRIDE program is expected to put between 150-200 individuals to work annually to install these new facilities – from right-of-way contractors to pipe fitters and welders to machinery operators. The new infrastructure is also expected to generate additional property taxes and utility franchise fees, helping county and city governments meet their obligations as well,” said Sitherwood.\nAbout Atlanta Gas Light\nAtlanta Gas Light, a wholly owned subsidiary of AGL Resources (NYSE: AGL), provides natural gas delivery service to more than 1.5 million customers in Georgia. In operation since 1856, the company is one of the oldest corporations in the state. For more information, visit www.atlantagaslight.com.\nAGL Resources (NYSE: AGL), an Atlanta-based energy services company, serves approximately 2.3 million customers in six states. The company also owns Houston-based Sequent Energy Management, an asset manager serving natural gas wholesale customers throughout North America. As a 70 percent owner in the SouthStar partnership, AGL Resources markets natural gas to consumers in Georgia under the Georgia Natural Gas brand. The company also owns and operates Jefferson Island Storage & Hub, a high-deliverability natural gas storage facility near the Henry Hub in Louisiana. For more information, visit www.aglresources.com.Forward-Looking Statements\nCertain expectations and projections regarding our future performance referenced in this press release are forward-looking statements. Forward - looking statements involve matters that are not historical facts and because these statements involve anticipated events or conditions, forward-looking statements often include words such as \"anticipate,\" \"assume,\" \"believe,\" \"can,\" \"could,\" \"estimate,\" \"expect,\" \"forecast,\" \"future,\" \"goal,\" \"indicate,\" \"intend,\" \"may,\" \"outlook,\" \"plan,\" \"potential,\" \"predict,\" \"project,\" \"seek,\" \"should,\" \"target,\" \"would,\" or similar expressions. Forward-looking statements in this press release include, without limitation, the expected schedule and results of our STRIDE program infrastructure improvements over its currently contemplated 10-year term and the projected economic and other benefits to our customers and others. Our expectations are not guarantees and are based on currently available competitive, financial and economic data along with our operating plans. While we believe our expectations are reasonable in view of the currently available information, our expectations are subject to future events, risks and uncertainties, and there are several factors - many beyond our control - that could cause results to differ significantly from our expectations.\nSuch events, risks and uncertainties include, but are not limited to, changes in price, supply and demand for natural gas and related products; the impact of changes in state and federal legislation and regulation including changes related to climate change; actions taken by government agencies on rates and other matters; utility and energy industry consolidation; the impact on cost and timeliness of construction projects by government and other approvals, development project delays, adequacy of supply of diversified vendors, and unexpected change in project costs, including the cost of funds to finance these projects; direct or indirect effects on our business, financial condition or liquidity resulting from a change in our credit ratings or the credit ratings of our counterparties or competitors; interest rate fluctuations; financial market conditions, including recent disruptions in the capital markets and lending environment and the current economic downturn; the impact of natural disasters such as hurricanes on the supply and price of natural gas; acts of war or terrorism; and other factors which are described in detail in our filings with the Securities and Exchange Commission, which we incorporate by reference in this press release. Forward-looking statements are only as of the date they are made, and we do not undertake to update these statements to reflect subsequent changes.\nContact: Tami Gerke, AGL Resources", "domain": "economics"}
+{"url": "https://www.thermarest.com/ie/thermarest-quality.html", "date": "2024-02-23T03:21:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474360.86/warc/CC-MAIN-20240223021632-20240223051632-00731.warc.gz", "language_score": 0.9702662825584412, "token_count": 534, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__87680578", "lang": "en", "text": "Built in Ireland\nWhen our company was founded in Seattle, USA back in 1972, the founders were adamant about crafting the highest quality gear possible. To them, quality had multiple dimensions. It was about the using best materials to craft high-performance gear that lasts, yes, but it was also about being a company in which customers could trust and believe. To accomplish this vision of quality it was imperative, from the beginning, that Therm-a-Rest products were made in market.\nWhen Cascade Designs Inc. opened its European headquarters in Midleton, Ireland in 1985, the founders made sure that its core values reflected those of the North American operation. Settled in the heart of the close-knit Midleton community, the factory manufactures nearly all of the Therm-a-Rest pad assortment for the European market, and employees over 100 staff.\nAlongside the core manufacturing capabilities, the Midleton operations also house Dealer Services, Finance, Supply Chain, Sales and Marketing functions, as well as the dedicated European warranty and repair team. From here, we closely control each step of the product lifecycle—from inception to repair—and meet the high demand for our products across Europe. Our products are built, tested, packed then shipped to our centralised European warehouse, where they are sent across the continent to our retail customers.\nThis nimble setup makes it possible to efficiently distribute to 20+ countries from within the European market, and allows us flex to the seasonal trends of the outdoor industry. Moreover, we are able to reduce emissions associated with cross-ocean shipping of finished product and reduce shipping time in the process. When delivering a finished Therm-a-Rest product to a retail customer, we are also delivering the transparency of local manufacturing and the assurance that the products they are buying are made with integrity. When a consumer buys a Therm-a-Rest product, they absolutely know where it was made, and the dedication to quality behind it, every single time.\nFew other manufacturers can offer the level of manufacturing transparency and assurance that we do. Building a trusting relationship with our customers is paramount, and we believe that they feel that difference when using our products in the field.\nMade in market is far more than a marketing tagline. It’s something that each of our employees take pride in as they go about their work every day. From the production team, to the engineers, to the office staff and beyond, the employees of Cascade Designs Ltd. are driven by our collective commitment to continuing the Therm-a-Rest legacy of top-quality gear that makes a difference in the lives of our customers.", "domain": "economics"}
+{"url": "https://lns-asia.com/2022/01/10/a-letter-to-our-customers/", "date": "2022-06-27T05:31:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103328647.18/warc/CC-MAIN-20220627043200-20220627073200-00191.warc.gz", "language_score": 0.9707598090171814, "token_count": 374, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__273713263", "lang": "en", "text": "Dear Valued LNS Business Partners,\nThe LNS Group has entered into an agreement to be sold to the Storskogen Group, a publicly traded Swedish Group that invests in small and medium sized businesses. Storskogen, as a collaborative partner, will offer LNS long term stability and allow us to accelerate our growth to further reinforce our position as the global leader of world class machine tool peripherals and services.\nAs our customer, we feel it is important you know that your LNS sales, customer service and product management contacts will not change. We will also be offering the same high quality LNS products to the market and our overall approach to serving you as our valued customer will stay the same. In fact, except for this email or the attached press release, you would likely not even know an ownership change has occurred as you continue to do business with us going forward.\nLNS will maintain its global headquarters in Switzerland, and we will continue to rely on our sister companies around the world to provide high quality LNS products. This same group of LNS companies that has allowed us to continue to provide products and services to you throughout the years. As mentioned above, little change is expected at LNS and we will look to Storskogen, who is a solid, long-term focused partner, to provide us with development and growth opportunities that might not have been available in the past – opportunities that will serve to enhance the overall experience of our customers.\nIf you have questions or concerns, please contact your local LNS representative and we would be happy to answer or discuss anything. I would also like to take this opportunity to thank you for your business and for your dedication to LNS and would like to wish you, your family, and your business a Happy, Healthy, and Prosperous New Year!", "domain": "economics"}
+{"url": "https://acitycalledfood.wordpress.com/2015/06/04/adventures-with-the-german-customs-authority/", "date": "2018-06-18T09:09:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267860168.62/warc/CC-MAIN-20180618090026-20180618110026-00016.warc.gz", "language_score": 0.9849108457565308, "token_count": 737, "dump": "CC-MAIN-2018-26", "global_id": "webtext-fineweb__CC-MAIN-2018-26__0__105361280", "lang": "en", "text": "The German customs authority (“Das Zollamt”) is quite strict. We had heard tell of this from veteran expats, and Justin once had to pay 70 Euro duty on a pair of pants sent to him as a birthday gift in Austria, but we managed to avoid the Zollamt until three months into our stay here.\nOur first encounter with the Zollamt was due to inexperience on my part. Many American retailers will ship to Europe, but not all of them pay the proper duties when they do. If you go to J. Crew’s online shop from a German IP address, for example, they boast that they pay the German taxes. In reality, what this means is that they have increased the price of items by 22.7% (to account for import and Value Added [VAT] taxes). When online shopping, I found invitations for our upcoming wedding celebration that looked great, fit our theme, and were reasonably priced. Even better, they shipped to Germany! I had them shipped here so I could address them and mail them off on our next trip back to the states. FedEx delivered them here amazingly fast, and I started the slog of hand-addressing each one. A week later, an envelope arrived from FedEx. What could it be? Oh, it was an invoice for the taxes on the invitations, tacking an extra 30 Euro on to the price. FedEx knew the exact value of the package thanks to the shipping manifests, and merely billed us for the taxes, payable, like all things in Germany, by direct bank transfer.\nWe wrote that off as one of the costs of moving to Europe, and I learned to be more careful in buying stuff online. This experience also made us aware that any gift registries for the wedding celebration would also have to be done in the EU, or else we would be paying VAT on every single gift sent to us. However, our second encounter with the Zollamt was unexpected. When we were back in the states for a wedding in February, I accidentally left my Kindle at the happy couple’s house. This was a tragedy because I consume books at an appalling rate and the Kindle was my main source of reading material. Our friend graciously agreed to mail it back to us, and sent me a tracking number. After a few days, however, the tracking mysteriously stopped in Germany. About a week after that, we received a letter from the Zollamt notifying us they had a package, and we had to show up and prove that we didn’t need to pay VAT on it. Keep in mind, this was a year-old Kindle with a small crack in the screen and scratches on the body. It was clearly not new!\nUnfortunately, this letter appeared right at a busy time in the spring. The Zollamt’s hours are from 7:45 am to Noon, conveniently dovetailing with when Justin has to work and when I have German class. Finally, Justin moved his schedule so he could go up to the Zollamt one morning. He got there, took a number, and presented the receipt for the Kindle (which I had to get from my sister-in-law since it was a gift!) and asked for the Kindle back. That was when we found out that we didn’t read the fine print well enough – they only held the Kindle for 14 days, and then sent it back to the sender!\nGermany won this round, and I purchased a new Kindle from Amazon.de so I could maintain my sanity.", "domain": "economics"}
+{"url": "https://masource.digitalchalk.com/dc/learn/course-421-balance-sheet-a-uniquely-powerful-closing-tool", "date": "2018-12-14T15:47:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376825916.52/warc/CC-MAIN-20181214140721-20181214162221-00476.warc.gz", "language_score": 0.9020284414291382, "token_count": 155, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__58700120", "lang": "en", "text": "If the income statement sets the expectations of price, the balance sheet sets the terms of the deal. Understand the impact that the balance sheet has on the probability of a deal closing, the financing options, or lack thereof, transaction structure, the closing balance sheet and ultimately the after-tax proceeds to the seller. Takeaway an understanding of the balance sheet and how to navigate the deal points that that will lead to more successful closings. You must have a good understanding of financial statements and the role of a business intermediary to get full value from this very important course.\nThere are four modules in this course. There are 4 videos, a short quiz following each video, and a final open book exam. It should take your about 3-4 hours to complete the course.", "domain": "economics"}
+{"url": "https://btyhaven.com/policies/", "date": "2023-09-24T01:01:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506539.13/warc/CC-MAIN-20230923231031-20230924021031-00614.warc.gz", "language_score": 0.9232850670814514, "token_count": 275, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__95764751", "lang": "en", "text": "FULL SET – Booking Fee & Cancellation Policy\nFull Set bookings will require a Booking Fee of 50% of the service price in order to secure the appointment. The Booking Fee will apply toward the amount due for the booked service and may be refundable provided that proper notice is given for cancellation of the appointment.\n- Cancellation more than 24 hours in advance will result in a full refund of the 50% Booking Fee.\n- Cancellations with less than 24 hours’ notice, same-day cancellations, or no-show appointments will result in complete forfeiture of the full Booking Fee.\nALL OTHER SERVICES – Cancellation Policy\nClients with a same-day cancellation will be required to pay a Cancellation Fee of 50% of the service price for the missed appointment before being able to rebook any future appointments. Appointment no-shows will be required to pay a Cancellation Fee of 100% of the service price for the missed appointment before being able to rebook any future appointments.\nAll beauty services are non-refundable once services have been rendered. Retail products may be returned, unopened and unused, within 7 days for a full refund. Due to the nature of beauty products’ ability to be contaminated, open products cannot be returned.", "domain": "economics"}
+{"url": "https://dilanconsulting.com/insights/blog/human-resources-hr-its-time-to-be-a-strategic-partner/", "date": "2024-04-21T06:09:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817729.0/warc/CC-MAIN-20240421040323-20240421070323-00023.warc.gz", "language_score": 0.9404963254928589, "token_count": 1172, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__167033668", "lang": "en", "text": "In today’s global economy there is an urgency to re-skill HR and develop high-impact HR professionals who are savvy business consultants and experts in HR practices and disciplines. With advances in technology and availability of outsourcing and shared services centers, transactional HR work can be performed more efficiently so that HR can devote time to adding value inside the business. However, getting some HR professionals out of their comfort zone (transactional work) will require more than an effort to divorce them from familiar work. They will need to expand their critical thinking skills and gain a thorough understanding of the organization’s business, its strategies, the culture of the workforce, and the required leadership competencies that will differentiate it from the competition.\nROLE OF AN EFFECTIVE STRATEGIC BUSINESS PARTNER\nProgressive companies with transformed HR departments are filled with specialists who are strategic consultants and HR experts. They understand assessment, coaching, recruiting, succession planning, data analytics, I/O psychology, organization development, training, and technology. These experts are the architects of the corporate talent system and work to strategically align talent management with organizational performance. They understand workforce demographics and global culture; innovation; and strategies in recruiting, learning, social networking, and analytics. They design new models for coaching, talent mobility, and performance management specific for business success. Also, they know how the business works, makes money, and builds its competitive advantage. Business leaders and employees trust them to solve organizational performance problems and make complex human capital (HC) management decisions that are often highly uncertain and context specific.\nCOMPETENCIES THAT ARE NEEDED\nTo be valued as an effective “strategic” business partner, HR must:\n- understand the business impact by asking the right questions to support business results;\n- be an organizational designer who comprehends the way the business is managed and aligns customer needs, business strategy, and organizational objectives, processes, systems and structures;\n- know the flow of revenue;\n- work with managers in talent management, employee engagement, and diversity;\n- guide executives in leadership development and succession planning;\n- think and act as performance advisors to the business;\n- use evidence-based workforce analytics to close gaps between talent and business strategy;\n- turn HR data into business metrics linked with positive market performance for business decision making and predictions; and\n- be an effective systems thinker who would know whether a business strategy can be implemented.\nAlso, in order to release human potential, empower leaders to challenge the status quo, imagine the future, and leverage efficiency to achieve greater effectiveness, HR must be skilled at:\n- Strategic visioning and imagination;\n- Proactive questioning and active listening;\n- Creative problem solving;\n- Agility and speed;\n- Engagement and collaborations with peers from multiple cultures;\n- Cross-cultural employee engagement;\n- Mastery of advances in technology and analytics;\n- Data-based decision making; and\n- The art of storytelling.\nCRITICAL ROLE OF THE CHIEF HUMAN RESOURCES OFFICER (CHRO)\nWhile the role of CHROs once centered on stewardship for essential administrative HR functions, it is now transforming into a role of chief strategist. Today’s CHROs have multidimensional responsibilities, from regulatory compliance and corporate governance overseers to organizational strategists and enterprise business leaders. CHROs are much more involved in shaping the business strategy, not just supporting and implementing it. They possess skills and competencies that extend beyond HR, and demonstrate an understanding of the entire business. They are positioned as C-level strategic business partners who contribute to business strategy, translate enterprise strategy into global workforce requirements, forecast talent needs, address talent gaps, and orchestrate learning skills and career development. CHROs typically report to the chief executive officer or the chief operations officer, and HR directors may report to them. Since they typically direct HR functions, they play a critical role to the successful transformation of HR being an effective strategic business partner.\nThe CHRO must run basic HR well first before HR can help senior executives develop and reinforce the behaviors that drive business success. This means hiring, onboarding, training, payroll, labor relations, benefits, and all of the other administrative functions must be efficient, effective, and compliant. Second, the CHRO must deliver a talent view into the future and prepare the business for future skills gaps, labor market opportunities, and impacts of potential mergers and acquisitions. Third, the CHRO is the keeper of culture and must monitor the organization’s health, providing feedback and offering advice to the chief executive and the executive team when things have change. Finally, since the challenges and solutions now available in HR span the entire business and have the potential to create significant competitive advantage, the CHRO must continuously up-skill the HR team and grow their confidence as strategic business consultants. This means ensuring the HR team is skilled in the power of talent analytics, decision science, and changing technologies for business operations. In addition, it means supporting innovation and creativity so that high-impact HR tools, programs and practices are developed, tested, and implemented to ensure future business success.\nIn a transformed HR environment, the CHRO is the chief HR and people officer, change officer, and culture officer. CHROs are themselves tightly aligned with the business and will push for innovative HR solutions that are company-specific. They use unique programs to leverage the business’s unique culture, business strategy, workforce demographics, and people strategy. Under their leadership, HR aligns HC strategies with business strategies, develops capabilities to deliver organization informatics using HR data, focuses on workforce effectiveness, and makes talent management a real priority.", "domain": "economics"}
+{"url": "https://www.aydincoins.com/buy-gold/american-gold-buffalo-coins", "date": "2023-11-29T12:38:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100081.47/warc/CC-MAIN-20231129105306-20231129135306-00850.warc.gz", "language_score": 0.8675255179405212, "token_count": 611, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__197632118", "lang": "en", "text": "American Gold Buffalo Coins\nThe Symbol of American Excellence: US Gold 1 oz Buffalo Coin\nImmerse yourself in the spirit of American heritage with the US Gold 1 oz Buffalo Coin, a stunning testament to the nation's rich history and the embodiment of enduring value. Crafted with precision and steeped in symbolism, this coin stands as an iconic representation of American excellence in the world of precious metals.\nDesign and Aesthetics:\nThe US Gold Buffalo Coin, first minted in 2006, pays homage to the classic Buffalo Nickel designed by James Earle Fraser in 1913. The obverse features the noble profile of a Native American, a composite of several tribal leaders, while the reverse showcases the majestic American Bison, an animal synonymous with the vast and untamed landscapes of North America. These meticulously detailed engravings, rendered with a remarkable level of artistry, capture the essence of the American frontier.\n- Metal: Gold\n- Fineness: .9999 (24-karat gold)\n- Weight: 1 troy ounce (31.1035 grams)\n- Diameter: 32.7 mm\n- Thickness: 2.95 mm\n- Designers: James Earle Fraser (original design)\n- Mint: United States Mint\n- Legal Tender: $50 USD\nPurity and Quality: Struck from 24-karat gold, the US Gold Buffalo Coin is renowned for its exceptional purity. Each coin is guaranteed by the United States government, assuring its quality and authenticity.\nNumismatic Appeal: Beyond its intrinsic gold value, the US Gold Buffalo Coin carries significant numismatic appeal. Its historical connections to the iconic Buffalo Nickel and limited annual mintages contribute to its desirability among collectors.\nRecognition and Liquidity: Being legal tender with a face value of $50 USD, the US Gold Buffalo Coin enjoys broad recognition and can be easily traded on the global market, providing investors with both liquidity and security.\nWhy Choose the US Gold Buffalo:\nHeritage and Tradition: The US Gold Buffalo Coin stands as a proud symbol of American history and tradition. Owning this coin means holding a piece of the nation's narrative and heritage.\nExemplary Craftsmanship: Minted by the United States Mint, a symbol of minting excellence, each Gold Buffalo Coin showcases the highest standards of craftsmanship and attention to detail.\nPortfolio Diversification: As a 24-karat gold coin, the US Gold Buffalo is an excellent choice for diversifying your investment portfolio. Its purity and tangible value offer a hedge against economic uncertainties.\nInvest in the legacy of the United States with the US Gold 1 oz Buffalo Coin — a combination of artistic brilliance, historical significance, and unparalleled quality. Whether you're an investor seeking a reliable store of value or a collector appreciating the beauty of numismatics, this coin embodies the essence of American exceptionalism in the world of precious metals. Secure your piece of history today and join a legacy that transcends time.", "domain": "economics"}
+{"url": "http://www.afterdox.com/index.aspx?id=2146", "date": "2014-12-20T14:59:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-52/segments/1418802769981.58/warc/CC-MAIN-20141217075249-00173-ip-10-231-17-201.ec2.internal.warc.gz", "language_score": 0.9373520612716675, "token_count": 276, "dump": "CC-MAIN-2014-52", "global_id": "webtext-fineweb__CC-MAIN-2014-52__0__52150572", "lang": "en", "text": "We believe that it takes more than just financing to turn a start-up into a successful company. With this guideline in mind we established in mid 2007 a new kind of smart angels investment group comprising several dozens of Amdocs present and former top executives. We have together accumulated close to 1000 years of experience in the corporate software market, a huge network in the global telecommunications, software and internet industries, a profound understanding of “how to create great companies”, how to develop a technological product that will be marketable and sellable in the global market, how to build a successful team and how to create a winning business model.\nThe added-value of AfterDox is the high profile and commitment\nof its partners. All partners are committed to actively invest time, know-how, experience and business connections in its portfolio companies.\nFields of Interest\nAfterDox invests mainly in its partner’s fields of expertise such as Telecommunications, Internet, Advertising, IT, Corporate Software and more.\nLevel of Investment\nAfterDox takes part in the first round at the seed and pre-seed level of the start-up, providing angel-like financing. AfterDox gives the start-up a head start to achieve real feasibility to the concept, to package its marketing message and to bring along a VC that will invest in the next level.", "domain": "economics"}
+{"url": "https://www.mythings4u.nl/AlfaRomeo/de/content/5-secure-payment", "date": "2022-08-14T09:31:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882572021.17/warc/CC-MAIN-20220814083156-20220814113156-00213.warc.gz", "language_score": 0.9471085667610168, "token_count": 596, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__177555888", "lang": "en", "text": "Your personal information and payment data will always be safe and secured at MyThings4U. Both our MyThings4U ecommerce platform as well as our payment service providers use SSL (Secure Sockets Layer) during information sharing and payment processes. SSL is the online industry standard security technology for establishing an encrypted link between applications, ensuring that your data will always be safe and protected.\nAt MyThings4U it is possible to pay via below payment options for your orders.\nPayPal is a world leading online payment company. If you choose PayPal as payment option for your order during checkout, you will be redirected to the secure payment environment of the PayPal website. If you have a PayPal account you can simply complete your order by logging in and authorising the payment for your order. As soon as you have authorised the payment for your order, MyThings4U will be notified and you will be redirected back to our MyThings4U website. The payment for your order has been made now and your order is completed and ready to be shipped to you.\nIf you do not have a PayPal account and wish to make the payment for your order with your credit card, you can do so by using PayPal’s guest checkout option. Once you have been redirected to the PayPal website simply click the bottom right link “Don’t have a PayPal account?”. You will now be directed to PayPal’s guest checkout page, where you can fill in your credit card details and make the payment without having a PayPal account. All major credit cards (VISA, MasterCard, American Express, and Discover) are accepted.\niDeal, Giropay and Bancontact/MisterCash are online debit card payment solutions. At MyThings4U we use Ingenico Payment Services (in short “Ingenico”), as Payment Service Provider (PSP) for these type of transactions. Ogone is a well-established and well known payment service provider, which is specialised in online payment solutions.\nIf you wish to pay for your order via iDeal, Giropay or Bancontact/MisterCash, you can simply choose “Ingenico” and then specify one of the above payment options during checkout. In the next step you will be redirected to the designated payment area where you can complete your order by simply following the instructions on your screen.\nIt is also possible to pay for your order by making a bank transfer to our account. If you choose to pay for your order via bank transfer, you will have to make a bank transfer manually via your own banking environment. After placing your order you will receive an invoice with our bank details. As soon as we have received your payment, we will proceed with sending your parcel. Domestic Dutch bank transfers are usually processed within 1 working day. European payments from SEPA-countries usually take 2-5 working days.", "domain": "economics"}
+{"url": "http://www.santana-tandem.com/en/shop/gtc", "date": "2024-04-14T03:43:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816864.66/warc/CC-MAIN-20240414033458-20240414063458-00743.warc.gz", "language_score": 0.9047945141792297, "token_count": 2821, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__55411798", "lang": "en", "text": "General Terms and Conditions (GTC) for purchasing in our online shop\nThese General Terms and Conditions (GTC) are part of the contract and apply to all current and future business transactions, deliveries, and services of FAHRRADTECHNIK HAAS / SANTANA EUROPA with or to the customer. The customer fully accepts these terms and conditions in the version valid at the time of concluding the transaction. Any deviations from these conditions, including the customer's terms and conditions, are hereby rejected.\nOffers and Conclusion of Contract\n- All offers are non-binding.\n- Supplementary agreements are only effective if confirmed in writing.\n- FAHRRADTECHNIK HAAS / SANTANA EUROPA expressly reserves the right to make price changes, technical changes, changes in design, errors, printing errors, or intermediate sales.\n- Delivery dates specified by FAHRRADTECHNIK HAAS / SANTANA EUROPA are non-binding. The standard delivery time is 3-5 working days in Germany and approximately 4-8 working days in EU countries.\n- Regardless of the presentation of products by FAHRRADTECHNIK HAAS / SANTANA EUROPA on the website www.santana-tandem.com, the respective purchase agreement only refers to the specific item ordered by the customer.\nThe prices are indicated in EUR and include the statutory value-added tax without any discounts or other deductions. (EU citizens automatically view the shop prices with German VAT based on their IP address). The respective prices at the time of ordering apply. For deliveries to EU countries, the current value-added tax rates of the Federal Republic of Germany apply; for non-EU countries, the order value is reduced by this amount. (Non-EU citizens automatically view the shop page with prices adjusted for VAT based on their IP address!) The customer is responsible for paying the customary import value-added tax and customs costs.\n- The purchase price, including all costs, is due upon invoicing.\n- Payments must be made net without any discounts or other deductions unless another payment method has been expressly agreed upon in writing.\n- In the event of payment default by the customer, FAHRRADTECHNIK HAAS / SANTANA EUROPA is entitled to claim default interest in accordance with legal regulations or to immediately withdraw from the contract. Any further claims for damages remain unaffected.\n- Delivery is only made within the Federal Republic of Germany or Switzerland by advance payment or cash on delivery. Delivery to other countries is only made by advance payment.\n- The customer can only set off against claims of FAHRRADTECHNIK HAAS / SANTANA EUROPA if the customer's counterclaim is undisputed or has been established by a legally binding judgment.\nRetention of Title\nEach delivery is made under retention of title; ownership of the goods only transfers to the customer upon full payment of the invoice. Until that time, the purchased item may not be pledged, transferred for security purposes, or encumbered with any other rights.\nFAHRRADTECHNIK HAAS / SANTANA EUROPA reserves all rights for every design, text, and graphic on the website www.santana-tandem.com, as well as in all other publications. Copying or any other reproduction of the entire website or parts of this website is only permitted for the purpose of placing an order with FAHRRADTECHNIK HAAS / SANTANA EUROPA. The name SANTANA, all page headers, navigation bars, graphics, and button icons are the intellectual property of SANTANA EUROPA. All other trademarks, product names, company names, or logos mentioned on this website are the sole property of their respective owners. FAHRRADTECHNIK HAAS / SANTANA EUROPA reserves ownership and copyright of images, drawings, calculations, and other documents. Before passing them on to third parties, the customer requires the explicit written consent of SANTANA EUROPA. Images, texts, and videos available for use can be found in the press section of the website www.santana-tandem.com.\nShipping Costs and Risk Transfer\n- In addition to the value of the goods, the shipping costs specified at the time of ordering must be paid.\n- FAHRRADTECHNIK HAAS / SANTANA EUROPA expressly reserves the right to request higher shipping costs in consultation with the customer if necessary due to the nature of the order.\n- The shipment of the goods is solely at the customer's risk.\nThe customer's order is binding and is only accepted by FAHRRADTECHNIK HAAS / SANTANA EUROPA upon confirmation by email, fax, or postal mail, sending of the invoice, or sending of the goods to the customer.\nRight of Withdrawal\nWithdrawal Policy for Consumers:\nRight of Withdrawal:\nYou have the right to withdraw your contractual declaration within 14 days without giving any reasons in written form (e.g., letter, fax, email) or - if the goods are handed over to you before the deadline - by returning the goods. The withdrawal period begins upon receipt of this instruction in written form but not before receipt of the goods by the recipient. To meet the withdrawal deadline, it is sufficient to send the withdrawal or the goods in due time. The withdrawal must be addressed to:\nD- 83022 Rosenheim\nConsequences of Withdrawal:\nIn the event of an effective revocation, the services received by both parties shall be returned and any benefits derived (e.g. interest) shall be surrendered. If you are unable to return the performance received in whole or in part, or only in a deteriorated condition, you may be required to compensate us for the loss in value. This shall not apply to the surrender of goods if the deterioration of the goods is exclusively due to their inspection - as would have been possible for you in a store, for example. In addition, you can avoid the obligation to pay compensation for a deterioration caused by the intended use of the goods by not using the goods as your property and refrain from doing anything that would reduce their value. Goods that can be sent by parcel are to be returned at the risk of FAHRRADTECHNIK HAAS / SANTANA EUROPA. You have to bear the costs of the return shipment if the delivered goods correspond to the ordered goods and if the price of the goods to be returned does not exceed an amount of 250 Euros or if, in case of a higher price of the goods, you have not yet rendered the consideration or a contractually agreed partial payment at the time of the revocation. Otherwise, the return shipment is free of charge for you. Obligations to refund payments must be fulfilled within 30 days. The period begins for you with the dispatch of your revocation or the goods, for FAHRRADTECHNIK HAAS / SANTANA EUROPA with their receipt.\nEnd of Withdrawal Policy\nThere is no right of withdrawal for custom-made products according to customer specifications.\nNotice of Defect - Warranty - Liability\n- Unless otherwise agreed, the statutory warranty period of 24 months from delivery applies to non-obvious defects. In the case of obvious defects, the customer must notify them in writing no later than two weeks after receiving the goods; otherwise, warranty claims for obvious defects are excluded. Compensation for externally visible damage to the ordered goods will only be provided with a corresponding certificate from the carrier. The statutory provisions of the Commercial Code apply to defect notifications by merchants.\n- The customer is obliged to allow FAHRRADTECHNIK HAAS / SANTANA EUROPA to inspect the faulty purchased item. Upon delivery of a defective purchased item, the customer has the right, at their discretion and after specifying a reasonable deadline, to request either rectification of the defect or replacement delivery (performance). Only when rectification or initial replacement delivery fails can the customer exercise their right to withdraw from the contract or request a reduction in the purchase price (diminution). In the case of performance, however, the customer is obligated to return the defective purchased item and provide compensation for any benefits derived from its use.\n- There is no warranty obligation for damages caused by normal wear and tear or improper handling. FAHRRADTECHNIK HAAS / SANTANA EUROPA bears the costs and risks of returning duly contested purchased items. The same applies to the redelivery of the purchased item.\n- Furthermore, liability for defects is excluded if the purchased item is improperly installed, independently maintained, repaired, modified, or subjected to conditions or mechanical stress that do not correspond to the technical specifications of the purchased item, unless the customer can prove that these circumstances are not causally related to the alleged defect.\n- Liability for defects is also excluded if the technical original condition is modified beyond the generally possible conversion or if components are removed or altered without the written consent of FAHRRADTECHNIK HAAS/ SANTANA EUROPA.\n- In the case of simultaneous delivery of multiple components, each delivery item is considered independent. Any claims for defects are therefore limited to the defective individual part.\n- FAHRRADTECHNIK HAAS / SANTANA EUROPA is solely liable for damages caused by the violation of essential contractual obligations due to intentional or grossly negligent conduct. Further liability only arises from the Product Liability Act or in case of intentional or grossly negligent behavior by us or our vicarious agents.\n- Descriptions or representations of the purchased item and its technical characteristics do not constitute a guarantee of its properties. A guarantee of the properties of the purchased item in the legal sense exists only if explicitly confirmed in writing by FAHRRADTECHNIK HAAS / SANTANA EUROPA.\nLimitation of Liability\n- The liability of FAHRRADTECHNIK HAAS / SANTANA EUROPA is exclusively governed by the agreements made in the preceding section. This does not apply in case of gross negligence or intent.\n- The limitation of liability applies to both contractual and non-contractual claims.\n- FAHRRADTECHNIK HAAS / SANTANA EUROPA complies with all provisions of data protection laws when handling customers' personal data and is authorized to process and store all data related to the business relationship with the customer in accordance with these laws. Furthermore, FAHRRADTECHNIK HAAS GmbH / SANTANA EUROPA is entitled, under applicable law, to obtain information about the customer's creditworthiness from commercial and economic credit agencies.\n- Upon written request, FAHRRADTECHNIK HAAS / SANTANA EUROPA will disclose the stored data to the authorized party.\n- Every access to our homepage and each retrieval of a file stored on the homepage is logged. The storage is for internal system-related and statistical purposes. The following information is logged: name of the accessed file, date and time of access, data volume transferred, message about successful retrieval, web browser, and requesting domain. Additionally, the IP addresses of the requesting computers are logged. Further personal data is only collected if you voluntarily provide this information, for example, as part of an inquiry or registration.\n- To the extent that FAHRRADTECHNIK HAAS / SANTANA EUROPA is provided with personal data, FAHRRADTECHNIK HAAS / SANTANA EUROPA uses it only to respond to customer inquiries, process contracts concluded with the customer, and for technical administration. Personal data is only disclosed or transmitted to third parties if it is necessary for the purpose of contract processing or billing, or if the customer has previously consented. The customer has the right to revoke any consent given in writing to FAHRRADTECHNIK HAAS / SANTANA EUROPA with effect for the future. The deletion of stored personal data takes place when the customer revokes their consent to storage, when their knowledge is no longer necessary to fulfill the purpose pursued with the storage, or when their storage is otherwise inadmissible for legal reasons.\n- FAHRRADTECHNIK HAAS / SANTANA EUROPA strives to store customers' personal data in such a way that it is not accessible to third parties by taking all technical and organizational measures available. Complete data security cannot be guaranteed in email communication, so the postal service is recommended for confidential information.\nShould individual provisions of the terms and conditions of FAHRRADTECHNIK HAAS / SANTANA EUROPA be wholly or partially ineffective, voidable, or unenforceable, the remaining provisions shall remain unaffected. In such cases, the remaining provisions shall be interpreted, designed, or supplemented in a manner that achieves the intended contractual purpose of the invalid or ineffective parts in a legally permissible manner as precisely and to the extent as possible.\nJurisdiction and Applicable Law\nThese terms and conditions and the contracts concluded with FAHRRADTECHNIK GmbH / SANTANA EUROPA pursuant to these terms and conditions are subject to German law. The place of jurisdiction for all legal disputes is Rosenheim.", "domain": "economics"}
+{"url": "https://olivetreejewelry.com/pages/refund-policy", "date": "2024-02-25T14:23:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474617.27/warc/CC-MAIN-20240225135334-20240225165334-00717.warc.gz", "language_score": 0.9594802260398865, "token_count": 302, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__201747561", "lang": "en", "text": "All items are covered by a lifetime warranty, but if you need to return an item for any other reason, we accept returns within 30 days of purchase.\nUS & Canada Returns / Exchanges / Refunds: US and Canadian customers are provided with a prepaid return label in the event that you would like to return or exchange your pieces. If you are requesting a full refund on your order, the cost of shipping paid by Olive Tree Jewelry is not included in that refund. You are not expected to pay the shipping to you when requesting an exchange.\nInternational Returns & Exchanges: Unfortunately, we cannot accept exchanges outside of the United States and Canada. A refund will be issued for all returned items. Shipments back to Olive Tree Jewelry must be paid for by the customer, and your refund will be processed upon receipt of the item. All international countries are responsible for their duties and taxes, and refused packages will be refunded excluding shipping costs in the order.\nAll of this does not apply if there are any defects or issues with your order. In that case, we will cover all costs, and you are not expected to pay anything extra.\nTo begin the return process, send us an email at email@example.com mentioning whether you would like to return or exchange the item, along with why you would like to return/exchange it. Please also include your order number and any relevant images, and we will be happy to help you out!", "domain": "economics"}
+{"url": "https://cafedread.com/post/new-privacy-protocol-zeos-6622432f0607468d5657", "date": "2023-01-30T08:30:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499804.60/warc/CC-MAIN-20230130070411-20230130100411-00284.warc.gz", "language_score": 0.9323405027389526, "token_count": 1095, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__198214659", "lang": "en", "text": "I found this project on twitter recently. Not finished yet but looks interesting. The best thing is you wont even need an EOS account to interact with it. Find the twitter for the full WP link\nExcerpted from WP\nZEOS enables private transactions for fungible and non-fungible assets on the EOS\nblockchain by leveraging Zcash privacy technology and LiquidApps’ DAPP Network\nServices. No modifications of existing token contracts are required. Users are able to freely move their assets between transparent EOS accounts and private ZEOS wallets. Ownership of assets held in private ZEOS wallets is untraceable while hidden assets themselves are kept in custody of the ZEOS token contract. Ownership is represented by untraceable UTXOs which can be transferred privately among ZEOS wallets. UTXOs can be redeemed at any time in order to retrieve\nthe underlying asset back into an EOS account. In addition to private transfers ZEOS\nwill offer an easy-to-implement interface for all existing smart contracts on EOS to support private deposits and withdrawals. This enables all applications on EOS to become private-by-default protecting their user’s privacy while staying fully transparent on the smart contract level for easy auditability. To completely unlink private transactions from users’ personal EOS accounts the concept of a proxy account is introduced. This account has a special ‘public’ permission which can be used by anyone to conduct private transactions by paying a transaction fee denominated in ZEOS tokens. So-called 'Miners’ compete for those fees by powering\nup the proxy account with EOS resources. Finally the ZEOS token powers a capital-efficient DeFi protocol for synthetic ‘zAssets’. The entire ZEOS ecosystem is governed by smart organization¹.\nZEOS is inspired by the Nightfall protocol for private transfers of fungible and non-fungible assets on the Ethereum blockchain. In it’s original version though the protocol is very limited. ZEOS extends Nightfall’s concept by adding useful features from Zcash. One example is Zcash’s ‘in-band secret distribution’ which removes Nightfall’s dependency on a secure side channel for private communication. This is\nrequired in order to share the secret transaction data with receivers of transactions. ZEOS eliminates the dependency of an additional communication channel and solely relies on the EOS public blockchain and the DAPP Network Services.\nPrivate Transactions without an EOS account\nThe biggest issue regarding private transactions on EOS is that all transactions need to be signed by an EOS account permission in order to get executed on the EOS blockchain. But having users signing their private transactions using their personal EOS accounts poses high risk of having their privacy compromised: Once an EOS account is linked to a user’s identity a public observer could – at the very least – detect that this particular user is ”doing something in private”. This is even the case for private peer-to-peer transfers where all sensitive transaction data is entirely hidden.\nThis is why ZEOS introduces a transaction fee model enabling private ZEOS transactions without an EOS account. This is possible thanks to the EOSIO permission system and the ‘Contract Pays’ feature which is going to be introduced in the upcoming ‘Mandel’ fork of the EOSIO codebase. In this model, all users sign private ZEOS transactions using one and the same EOSIO permission of a so-called ‘ZEOS Proxy Account’. The proxy account has a special ‘public’ permission whose private key is public and can be used by anyone to sign private ZEOS transactions. Instead of paying for the necessary EOS resources directly when\nexecuting a private transaction, a fee denominated in ZEOS is paid privately by the\ntransacting user to the proxy’s EOS account. This is done effectively by just ‘burning’ a UTXO from the user’s private ZEOS wallet right into the proxy’s EOS account. So called ‘miners’ on the other hand earn those transaction fees by powering up the proxy account’s CPU, NET and RAM resources.\nEveryone uses the 'public' permission to anonymously sign transactions by paying fees denominated in ZEOS which 'miners' compete for\nThe ZEOS fee model based on the concept of only one public account permission signing all private ZEOS transactions is what makes the protocol truly private and fool-proof. The only interactions with the protocol using a personal, link-able EOS account is when assets are being moved in or out of private ZEOS wallets. All other transactions like private token transfers or private interactions with third-party smart contracts are being paid for with transaction fees denominated in ZEOS and are signed by the proxy account’s public permission. This has even much broader implications: ZEOS wallets become usable for anyone outside the EOS ecosystem since no personal EOS account is required to transact privately. This would allow anyone outside of EOS to hold all kinds of EOS assets in full privacy using only ZEOS wallets", "domain": "economics"}
+{"url": "http://www.jeandalos.com/spip.php?rubrique2&lang=en", "date": "2013-05-25T23:10:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368706470784/warc/CC-MAIN-20130516121430-00005-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.931404709815979, "token_count": 142, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__51320121", "lang": "en", "text": "The Jean d’Alos Foundation\nObjectives & Approach\nJEAN D’ALOS, through strict compliance with these principles, currently provides financial support aimed at increasing production capacities at a top quality farm in east-central France.\nAlong these same lines, a partnership was established with an artisanal cheese shop in the Basque Country in the spring of 2010. The partnership initiates development with the shop and provides them and their network of shepherds with a springboard onto the market.\nA third project is being considered in the Pyrenees with the goal of adapting traditional methods to the export market using the technical expertise of the JEAN D’ALOS team.", "domain": "economics"}
+{"url": "http://moscowlife.net/2004-2005%20eng/dynamo%20shop.htm", "date": "2020-03-28T21:39:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370493120.15/warc/CC-MAIN-20200328194743-20200328224743-00099.warc.gz", "language_score": 0.9713435173034668, "token_count": 165, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__77425990", "lang": "en", "text": "A shop, bearing such name and selling sports goods manufactured by the best companies of the world, has opened its doors under the Western stand named after the famous Russian goalkeeper Lev Yashin, at the Dynamo Stadium in Moscow. Naturally, a considerable part of the sales area is occupied by the items with the Dynamo logotype–sports wear, football gear, balls, accessories, and souvenirs. The range of goods for sale will be constantly expanded. In this shop every customer will find the goods that suit him or her in terms of price and quality.\nSpecialists say that so far this is the only shop of this kind in Russia. It is run by the Dynamo football club (Moscow), which intends to arrange meetings with its fans there.\nThe shop is open daily from 10:00 to 20:00.", "domain": "economics"}
+{"url": "https://shotwithlove.dk/en/info/Our-secure-payment-methods-Shotwithlove.html", "date": "2021-04-18T12:21:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038476606.60/warc/CC-MAIN-20210418103545-20210418133545-00519.warc.gz", "language_score": 0.9409940242767334, "token_count": 225, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__196083440", "lang": "en", "text": "Our secure payment\nYou can pay online at shotwithlove.dk using Dankort, Visa card, Visa Electron, Mastercard. Business customers also have the option of invoicing.\nPayable by debit card you are always insured against abuse. Because you have the option of rejecting a payment when you receive your payment statement. You have no deductible in case your card is misused in an internet store that uses SSL (Secure Socket Layer) in its payment system.\nThus, you are better insured than in the physical world, where you have a deductible of DKK 1200 when your credit card is misused by using the PIN code. Data you send in connection with purchases paid by debit card is encrypted (SSL) and thus only PBS can read them. Neither shotwithlove.dk nor others have the opportunity to read the data.\nThe amount of the production is deducted only when the production is sent from shotwithlove.dk. A greater amount can never be deducted than what you approved for the purchase. When sending reminders, this will be charged a reminder fee of DKK 100, -", "domain": "economics"}
+{"url": "http://djbengineering.com/cheap-pay-as-you-go-phones-as-your-comfort-is-prior/", "date": "2019-03-18T18:09:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912201521.60/warc/CC-MAIN-20190318172016-20190318194016-00147.warc.gz", "language_score": 0.9761103987693787, "token_count": 356, "dump": "CC-MAIN-2019-13", "global_id": "webtext-fineweb__CC-MAIN-2019-13__0__97193255", "lang": "en", "text": "When mobile phone arrived in the market it was not so easy to have it. At that time it was used as a style statement for the rich ones. But now days it has become necessity for every human being to carry a handset.\nBecause the competition in the mobile phone market one can easily afford a handset but paying heavy monthly bills is still not possible for everyone. And if you are finding contract deals expensive then you can go for the cheap pay as you go phones. All the leading network companies are proving this facility to you. The leading networks like Orange, Virgin, O2, Vodafone, Three, T-Mobile, Talk-Talk etc are dealing with pay as you go phones.\nIn this deals you have to pay for the call you will made. It means you have to pay before the calls. It will help a lot in maintaining your budget. And you do not have to make any monthly payments. And you can change the plan whenever you want to. You will not be bounded with any kind of restriction to use the service for a time period. And with all these amazing offers these deals also provides you amazing gifts items.\nPay as you go phone are very popular in the market because of its cheap deals. Pay as you go deals offer you gift items like music players, gaming devices, cameras, and many more exciting gifts. You just have to compare the price with the other deals in the market online. And get the cheapest and the best one for yourself or to gift someone. And the best part is that these deals are really cheap you can talk longer at a very low rate. And you can talk to your near and dear as long as you want at a low rate. other Contract mobile phone deals are also available here.", "domain": "economics"}
+{"url": "https://answerpantry.com/why-is-dragon-fruit-so-expensive/", "date": "2024-04-23T13:57:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818711.23/warc/CC-MAIN-20240423130552-20240423160552-00400.warc.gz", "language_score": 0.9649102091789246, "token_count": 674, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__13816027", "lang": "en", "text": "People often wonder why dragon fruit is so expensive. The reasons have to do with supply and demand, the many health benefits of the fruit, expensive shipping fees and taxes, and even the way the fruit is grown. Let’s take a look at these reasons in more detail.\n5 Reasons Why Dragon Fruit is Expensive\n1. Supply vs. Demand for Dragon Fruit\nWhen the demand for a certain food exceeds the supply of that food, it’s easy for growers to charge a little more for it. This is one of the reasons dragon fruit is so expensive. There’s a huge demand for it, but the supply is unable to keep up with that demand.\n2. The Growing Conditions Involved\nFirst of all, these exotic fruits have to be taken care of manually, which means labor costs are always high. Moreover, farmers have to wait about three years from the planting of the cactus to the time when the first fruit appears. In the process, many of the plants will die due to weather and other factors, which means farmers have to devote a lot of time and money to this fruit before they get any financial rewards from it.\n3. Storage Challenges and Shelf Life of Dragon Fruit\nDragon fruit has a notoriously short shelf life, and once you get it home, you have to eat it within three days. If you’re going to buy this type of fruit, it’s recommended that you purchase one that isn’t quite ripe, then wait for it to ripen. Store owners must store the fruit in temperatures between 45 and 50 degrees Fahrenheit. This all contributes to its high price.\n4. Shipping Fees and Taxes Involved\nMost of the dragon fruit sold in the U.S. is shipped from Vietnam, so you can imagine what the taxes and shipping costs are like to get it over here.\nThe trees that grow the fruit can also be found in Central and South America, Israel, and Mexico, so high taxes and shipping fees are the norm. Naturally, these expenses have to be passed on to the consumer.\n5. Health Benefits of Dragon Fruit\nThanks to a very effective marketing campaign, the demand for dragon fruit has risen quite a bit in recent years. The marketing is helped by the fact that the fruit is so healthy for you, with dietary fiber, vitamin C, calcium, antioxidants, and protein.\nWhat Is Dragon Fruit?\nThe technical name for these fruits is “pitaya.” It is an exotic plant that has a sweet taste and a pleasant aroma. Its pinkish-red color allows it to stand out among other fruits, and when you cut it open, it has a white color on the inside with tiny black seeds in it. Most people eat it straight out of the peeling, but you can also scoop it out and cut it into chunks and eat it with other fruit or even with yogurt.\nAnd the fruit is indeed expensive. The average dragon fruit can cost $5–$10 per fruit, and prices as high as $20 have also been recorded.\nMost people save this type of fruit for special occasions. Nevertheless, it is a delicious fruit you’re bound to love, and now you know some of the reasons why the price of dragon fruit is so high.", "domain": "economics"}
+{"url": "https://silentoppression.com/oil-exploitation/", "date": "2023-10-03T04:44:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511053.67/warc/CC-MAIN-20231003024646-20231003054646-00693.warc.gz", "language_score": 0.7819770574569702, "token_count": 964, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__62483582", "lang": "en", "text": "Cabinda is the oil well of Angola. Some of the largest offshore oil fields in the world are situated adjacent to the coast of Cabinda and the area also has tremendous untapped onshore potential.\nOver 50% of all oil produced daily in Angola is produced in Cabinda, making the area the oil well of Angola. The national economy is highly dependent on the oil industry – over the last five years, crude oil and oil products have accounted for approximately 96% of Angola’s total exports, 56% of fiscal revenues, and 34% of Angola’s total real GDP. Without Cabinda, the Angolan economy will crumble.\nWhile Cabinda effectively funds Angola, the region receives little if any benefits. Around 55% of the total Cabinda oil revenue is allocated to Angola’s state treasury and roughly 30% is destined for the Angolan Ministry of Mineral Resources and Petroleum. Only 10% and 5% are allocated to the Cabinda provincial government and the area in which oil extraction is carried out respectively.\nThe Angolan government’s brazen exploitation of Cabinda is also evident from the fact that it provides little if any funding to the province through national budget allocations. On average, Cabinda has been receiving between 0.6% and 1.4% of the total budget.\nThe government is not the only oppressor of the Cabinda people. Angolan authorities have enabled international oil companies to exploit the region with little regard for the environment and the local population. Making billions of Cabindan oil, these international companies have made miniscule if any contributions to local development through corporate social responsibility efforts.\nAnnual Angolan oil exports and related tax revenue, 2017 – 2021\n|Year||Exported Output (Barrels of Oil)||Tax Revenue|\n|2017||637,072,115||2 billion kwanzas|\n|2018||537,355,555||3.3 billion kwanzas|\n|2019||493,742,070||4 billion kwanzas|\n|2020||723,325,157||5.9 billion kwanzas|\n|2021||412,963,905||6 billion kwanzas|\n|Total||2,775,458,802||2.1 trillion kwanzas|\nNational budget allocations to Cabinda, 2017 – 2022\n|Year||Amount||Percent of the National Budget|\n|2017||99.6 billion kwanzas||1.35%|\n|2018||66.6 billion kwanzas||0.69%|\n|2019||61 billion kwanzas||0.69%|\n|2020||128.6 billion kwanzas||0.96%|\n|2021||94.1 billion kwanzas||0.64%|\n|2022||239.6 billion kwanzas||1.28%|\nAnnual Cabinda oil exports and tax and royalty payments, 2017 – 2021\n|Year||Oil Company (Operator)||Oil Field||Exported Output||Tax & Royalty Payments|\n|2017||CABGOC||Blocks 0 and 14 – Offshore||109.9 million barrels||226.8 billion kwanzas|\n|–||Pluspetrol||Cabinda South – Onshore||404,500 barrels||434 million kwanzas|\n|2018||CABGOC||Blocks 0 and 14 – Offshore||113.3 million barrels||587.3 billion kwanzas|\n|–||Pluspetrol||Cabinda South – Onshore||415,700 barrels||868.6 million kwanzas|\n|2019||CABGOC||Blocks 0 and 14 – Offshore||100.2 million barrels||684.9 billion kwanzas|\n|–||Pluspetrol||Cabinda South – Onshore||195,700 barrels||300.3 million kwanzas|\n|2020||CABGOC||Blocks 0 and 14 – Offshore||135.9 million barrels||967.9 billion kwanzas|\n|–||Pluspetrol||Cabinda South – Onshore||296,300 barrels||76.5 billion kwanzas|\n|2021||CABGOC||Blocks 0 and 14 – Offshore||79.6 million barrels||1.1 trillion kwanzas|\n|–||Pluspetrol||Cabinda South – Onshore||234,000 barrels||223.2 billion kwanzas|", "domain": "economics"}
+{"url": "https://crcorp.com/about-us-2/", "date": "2022-05-23T01:15:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662552994.41/warc/CC-MAIN-20220523011006-20220523041006-00089.warc.gz", "language_score": 0.9287698864936829, "token_count": 229, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__273147846", "lang": "en", "text": "We are a manufacturer and distributor of specialty chemical products and durable goods to industrial, educational, institutional, commercial and governmental accounts.\nContinental Research Corporation began as a family-owned and operated business serving the specialty chemical needs of a variety of industries. Our extensive product offering has more than 300 specialty chemicals, including eco-friendly products.\nIn 2001, we expanded to include more than 25,000 durable goods when Durable Component Tech joined our company. From hand tools and safety gear to electrical equipment and bin systems, these goods complement the product lines used by the accounts we serve.\nWhat we do is make business hassle free for our customers by providing a large product line, fast on-time delivery, promotional opportunities and superior customer care.\nOur core values reflect our hassle-free business philosophy…\n- We are a sales and customer satisfaction business.\n- We work together to ensure that all customer commitments are met promptly and courteously.\n- Communication and teamwork make us accountable at a high level.\n- Encouragement and confidence in our people sets us apart.\n- Each employee represents the quality of our organization.", "domain": "economics"}
+{"url": "https://foryourto.com/coupons/categories/Nails+and+Nailcare", "date": "2019-05-22T18:35:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232256948.48/warc/CC-MAIN-20190522183240-20190522205240-00197.warc.gz", "language_score": 0.842024564743042, "token_count": 128, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__12950547", "lang": "en", "text": "Get A Us$20 Instant Cash Off On Min Spend Of Us$120 On Skincare And Makeup Items!\nGet a US$20 Instant Cash Off on Min Spend of US$120 on skincare and makeup items!\nTerms & Conditions\n1. Ends 27 May 2019\n2. Spend US$120 on skincare or makeup to get instant US$20 off at checkout\n3. Minimum spend is calculated based on the item value total before any discounts, surcharges, or shipping costs are applied\n4. The currency exchange rates used by Strawberrynet may fluctuate with respect to the market exchange rate", "domain": "economics"}
+{"url": "https://www.flexfuel-company.com/en/bioethanol", "date": "2020-02-26T03:17:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875146186.62/warc/CC-MAIN-20200226023658-20200226053658-00171.warc.gz", "language_score": 0.9457331895828247, "token_count": 238, "dump": "CC-MAIN-2020-10", "global_id": "webtext-fineweb__CC-MAIN-2020-10__0__175760349", "lang": "en", "text": "Bioethanol is currently the only alternative to petrol which is capable of being implemented without having to make any significant modifications to the fuel distribution mode. Bioethanol allows for a more economical and environmentally-friendly drive.\nThe savings are immediate and allow for a reduction of 30 to 45% of a given fuel budget. You can verify this yourself by consulting the price per litre of fuel.\nBioethanol also offers another environmental advantage; substituting one ton of petrol for one ton of Biothenol reduces emissions by up to 75%. The quantity of CO2 emitted during bioethanol combustion is equal to the quantity absorbed from the atmosphere by the plant as it was growing. There is therefore no contribution to ozone depletion.\nBased on these observations, in 2008 Flexfuel Company was the first French actor to develop a bioethanol conversion kit, the DriveCleanBox, and launch it on the market.\nToday, 25,000 bioethanol conversion kits have already been installed and 200 installation partners operate throughout France. These figures demonstrate Flexfuel Company’s role as a leader in the biofuel industry. Flexfuel Company has participated in numerous interviews and media appearances.", "domain": "economics"}
+{"url": "https://americanpharmasolutions.com/about-us/", "date": "2020-06-06T06:50:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590348511950.89/warc/CC-MAIN-20200606062649-20200606092649-00114.warc.gz", "language_score": 0.9397364854812622, "token_count": 535, "dump": "CC-MAIN-2020-24", "global_id": "webtext-fineweb__CC-MAIN-2020-24__0__8714031", "lang": "en", "text": "American Pharmaceutical Solutions LLC (APS) was created by a team of industry experts committed to optimizing the outcomes of self-insured and casualty insurance companies while providing superior service to claimants.\nWe understand the unique challenges associated with the specialized requirements of workers’ compensation and no-fault claims cases. And we know that cost control is paramount.\nLowering prescription transaction costs is the single greatest solution to reducing overall costs per claim.\nThe fees involved in delivering pharmaceuticals account for a substantial portion of expenditures, and we work diligently on behalf of our clients to minimize expenditures.\nPharmaceuticals remain a major component of both total clams and medical costs in treating workers’ compensation injuries and illnesses. Prescription drug costs surpassed $1 billion annually and are increasing at a rate of more than 4% annually. By offering the most competitive pricing in the industry, APS reduces costs for employers by lowering their spending related to workers’ compensation healthcare coverage. Lower costs and transparency result in overall cost savings for our clients.\nMetrics that Minimize Costs\nAs claims age, pharmacy spend on claims quickly rises. Our proprietary analytics program tracks pharmaceutical costs to identify cases that should be targeted for settlement.\nA National Pharmacy Network\nOur national network provides access to more than 62,000 subscribed pharmacies, including overnight prescription delivery to 48 states. You can also benefit from excellent relationships APS has built with specialized pharmacies that:\n- Focus on providing the lowest-cost, quality pharmaceuticals\n- Have the ability to offer custom compounding at a significant discount\n- Provide mail-order delivery\nSmart Settlement Strategy\nWith our specialized understanding of workers’ compensation and no-fault cases, APS can offer guidance every step of the way, including pre-and post-settlement support. Medicals are handled differently pre- and-post settlement. For instance, pre-settlement medicals are subject to more restrictions regarding pricing and delivery. Our seasoned team understands the intricacies and can advise prudent settlement strategy and guidance.\nEliminate Stress and Administrative Headaches\nStatutes that guide prescription processing, pricing and delivery vary by state. When problems arise, the burden and responsibility ultimately falls on the employer. APS assures smooth, accurate and timely transactions that adhere to requirements every time, so you can focus on your business, and your bottom line.\nCost efficiency benefits our clients and their customers. APS can help you deliver quality care and manage claims effectively, while reducing drug costs and lowering spending.\nTo talk to a member of our executive team, reach us by phone at 609-953-0440 or email us.", "domain": "economics"}
+{"url": "http://coastal-container.com/", "date": "2019-06-26T23:08:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560628000575.75/warc/CC-MAIN-20190626214837-20190627000837-00376.warc.gz", "language_score": 0.9442746043205261, "token_count": 298, "dump": "CC-MAIN-2019-26", "global_id": "webtext-fineweb__CC-MAIN-2019-26__0__187003627", "lang": "en", "text": "Coastal Container, leader in corrugated packaging products and services, has hired Bill Cessna as director of operations. In his role, Cessna will oversee production, maintenance, shipping and trucking.\nWe protect your product and reputation from dock to destination.\nHeadquartered in Holland, Michigan, we supply businesses throughout the Midwest with durable, cost-effective packaging products and innovative services.\nFrom big to small, simple to complex, we can meet any packaging need you have with a solution that both protects your product and supports your business goals.\nUsing sustainable, advanced technology, we produce corrugated, plastic, foam and mixed-material boxes, trays, clamshells, kits, partitions and more.\nMore than a box company, we bring value to your transportation and packaging processes with design/test services, inventory management, delivery options and high quality printing.\nWe understand that our packaging protects more than your product, it also protects your reputation.\nTo provide our customers with the best products and services, we have recently invested in two important pieces of equipment: a rotary die cutter and a post folder gluer. “Our strong economy has encouraged companies across the area to take this opportunity and reinvest in our industry,” said Nathan Hoekstra, sales manager for Coastal Container. “We are investing in equipment, so we can provide our customers with our products quicker and at a lower, fixed cost.”", "domain": "economics"}
+{"url": "http://xylemcompany.com/", "date": "2020-01-22T00:33:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579250606226.29/warc/CC-MAIN-20200121222429-20200122011429-00513.warc.gz", "language_score": 0.8603543639183044, "token_count": 151, "dump": "CC-MAIN-2020-05", "global_id": "webtext-fineweb__CC-MAIN-2020-05__0__38019223", "lang": "en", "text": "Since 1962, Xylem Company has specialized in the development, integration, and strategic sourcing of engineered metal raw materials and components for the medical device industry.\nOur mission is to match the demand for engineered materials and components with the capabilities of the manufacturing companies that we represent.\nGreater value is often achieved by combining materials and services. When the commercial or technical complexity extends beyond our core manufacturing partners, Xylem provides value-added distribution, component development, assembly, and service-oriented transactions.\nMATERIALS & SERVICES\n• Strategic Sourcing of Exotic/Challenging Metal Raw Materials\n• Stocking Programs\n• Component Fabrication or Assembly\n• Secondary Operations\n• Surface Modification\n• Technical Support Services and Resources", "domain": "economics"}
+{"url": "https://devinieke.com.ng/intellectual-property-cyber-crimes-hottest-commodity/", "date": "2020-08-03T17:56:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439735823.29/warc/CC-MAIN-20200803170210-20200803200210-00482.warc.gz", "language_score": 0.9454588890075684, "token_count": 834, "dump": "CC-MAIN-2020-34", "global_id": "webtext-fineweb__CC-MAIN-2020-34__0__55411524", "lang": "en", "text": "Oil has reigned for centuries as one of society’s most valuable resources. Throughout history, those who have controlled oil, have controlled the economy. However, in the data economy of today, data itself – due to the insight and knowledge that can be extrapolated from it – is potentially far more valuable.\nLike oil, raw data’s value comes from its capacity to be refined into an essential commodity. The potential for data cannot be understated, and it is for this reason that cybercriminals – driven by means, motive and opportunity – are in hot pursuit of companies’ intellectual property.\nIntellectual property (IP) is the heart of the 21st-century company, an essential motor driving innovation, competitiveness, and the growth of businesses and the economy as a whole. The loss of IP could be fatal to a company’s future.\nAccording to Nithen Naidoo, CEO of Snode Technologies, the common misconception that companies have around cybercrime, is that hackers intend to shut down your organisation’s critical infrastructure, but the truth is far more insidious.\n“Shutting down an organisation has very limited upside for organised criminals – they want to make money, and the best way to do this is by monetising your intellectual property. Thieves are primarily after corporate secrets and business information that can be monetised quickly. This can include drug trial data, a paint formula, a manufacturing process, a geological survey of oil deposits, merger plans, or information about business negotiations and strategies. IP theft is a very real threat to organisations across industries.”\nOut of fear of shareholder reaction, IP theft goes largely unreported – or worse, undiscovered. Unlike credit card fraud or theft of personally identifiable information, there is no easy way to track stolen IP or to understand how it is being exploited. Because of its nature, is often the case that stolen IP theft goes undetected by the company for an extended period of time, if at all.\nCybercriminals see no benefit in deleting a valuable document from the server, so will simply duplicate the file, meaning the organisation is none the wiser.\nTo this point, Naidoo emphasises, “Ignorance is not bliss. what you do not know, can and will hurt you; the loss of trade secrets can cripple your competitive advantage and ultimately do serious damage your business.” These companies will often see the impact on their bottom line, without ever realising the true cause.\nNumerous factors have dramatically altered the traditional ways companies protect their IP. The digitalisation of huge amounts of valuable corporate information and increasing interconnectivity—both inside and outside ‘secure’ corporate networks—through multiple devices, have made IP far more portable and accessible. This makes IP increasingly vulnerable, and a very tempting target to attack.\nNaidoo stresses that companies cannot rest on their laurels in the face of cybersecurity threats as targeted attacks are becoming more sophisticated and ever-evolving.\n“Organisations need to augment security measures by implementing a culture of security, and emphasising that all employees are part of an organisation’s security posture, not just the IT team. To stay ahead of threats, it is critical companies provide a holistic approach to improving security process by not only utilising an integrated security solution but also instilling a sense of responsibility for cybersecurity from the top-down.”\nIncreased global competition and the resulting advantages of trade secrets have made corporate IP a lucrative target for cybercriminals.\nNaidoo concludes, “It is not a matter of if you will be compromised, but when. In fact, chances are good that malware is already running undetected on the networks of many enterprises that lack the solutions designed specifically to proactively address advanced attacks. Adopting a proactive security model is crucial for the protection of your critical IP assets, as well as your company’s future competitiveness and economic viability.”\nBy Nithen Naidoo\nEdited by Jenna Cook\nFollow Jenna Cook on Twitter\nFollow IT News Africa on Twitter", "domain": "economics"}
+{"url": "http://thebusinessjakarta.com/about-jakarta/", "date": "2013-05-24T16:52:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368704818711/warc/CC-MAIN-20130516114658-00035-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.940904438495636, "token_count": 387, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__93756882", "lang": "en", "text": "Jakarta is the capital city of Indonesia. It is the largest city among more than a hundred cities and nearly twenty thousand islands across Indonesia. Located in Java island, with population reaches 10 millions in 2010, Jakarta is the main “player” for business and urban lifestyle throughout Indonesia.\nJakarta is a modern city where the central government is located. Filled by many sophisticated people as its inhabitants, the city itself can influence other cities lifestyle and business trend.\nThe city is divided into five regions, which are South Jakarta, North Jakarta, West Jakarta, East Jakarta, and Central Jakarta. Each region has it own industries and businesses as well as the unique demographics characteristic. For instance, South Jakarta is famous for the entertainment areas, luxury housing, office estate, modern business, and sophisticated citizen. Central Jakarta is famous for the government concentrated area. North Jakarta is famous for its old city of Jakarta that is known as China town, electronic business and cargo transportation industries. West Jakarta is where multicultural citizens lives, and famous for its Information Technology industry as well as the IT university. And East Jakarta is famous for its Air Force military base and Jakarta’s secondary airport.\nThose five regions connected with what we called The Golden Triangle Area, it is a major business and office district. The Golden Triangle Area consists of Sudirman Street – Thamrin Street, Gatot Subroto Street and Kuningan Rasuna Street. Those streets holds the most strategic building such as Indonesian Stock Exchange, famous hotels, and famous major office branches from all around the world.\nHowever as this page is your introduction to do your investment and business in Jakarta Indonesia, you can look for more complete information at the menu’s tab for your better insight of business opportunities.\n**Please follow TheBusinessJakarta Twitter Account @businessjakarta for live update about this article.\nRead more for:", "domain": "economics"}
+{"url": "https://powerretail.com.au/first-bnpl-code-of-practice/", "date": "2023-12-09T17:58:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100942.92/warc/CC-MAIN-20231209170619-20231209200619-00202.warc.gz", "language_score": 0.944957435131073, "token_count": 874, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__79728981", "lang": "en", "text": "Buy Now, Pay Later companies are banding together with the Australian Finance Industry Association to conduct a world-first BNPL Code of Practice.\nAFIA works with more than 100 banks, and is proposing this Code with BNPL companies including flexigroup, Afterpay, Brighte, Klarna, Zip Co, Payright, Latitude and Openpay.\nAFIA will conduct a six-week public consultation into the BNPL Code, and will rely on stakeholders and customer groups so the standards ‘make sense’ for the industry and all BNPL customers.\nThe Code aims to ‘strengthen’ consumer protections for BNPL customers. “BNPL providers are proactively setting a best practice standard in direct response to areas identified as potential risks to consumers, while preserving customer choice to make purchases and payments in a way that suited their needs,” said Diane Tate, the CEO of AFIA.\n“AFIA appreciates the time taken by our stakeholders to give us feedback, especially at a time when we are all working hard on managing the many impacts of the COVID-19 crisis.”\nThis comes as consumers share concerns about the payment services, particularly fees. Consumer advocates of BNPL want more clarity on fee caps and credit assessments for each BNPL service as a part of the Code.\nAs a result, AFIA agreed that fees should be capped at a fair rate, and that BNPL should not be offered to users under the age of 18.\nMoreover, in order to create a ‘fair’ and capped fee for the BNPL platforms, AFIA and the BNPL companies must work together to identify what a ‘ fair, reasonable, and capped fee might look like’.\nOther discussed feedback included various measures to help customers manage their payments, and introduce actions that support vulnerable customers.\nThis action would require ‘further work’, as these protective measures must not ‘impose restrictions that could inadvertently cause customers to seek alternative and less affordable options or requiring new systems to share customer information that would not be appropriate’.\n“Our BNPL members – Afterpay, Brighte, flexigroup, Klarna, Latitude, OpenPay, Payright and Zip Co – strongly believe that good consumer outcomes are achieved with customer-centric product design, and industry initiatives that go above and beyond the law; and our new code delivers just that,” said Tate.\n“Despite the delay in launch date, our BNPL members are bringing forward best-practice standards by already introducing many of the commitments in the new code, including having accessible hardship programs, membership of the Australian Financial Complaints Authority, and ensuring that customers do not spend more if they miss a payment.”\nAs part of the Code, BNPL companies are required to stop any additional product or services if a customer is delayed in payments. Moreover, the companies would cease to produce any promotional material to customers that are experiencing financial hardship.\n“We’ve been delighted with the high level of interest and industry involvement in the creation of the Buy Now Pay Later Code of Practice,” Rebecca James, CEO of flexigroup told Power Retail.\n“Over our 30 years of operations we have engaged with a wide range of stakeholders on the importance of responsible lending. flexigroup first called on the industry to establish this self-governing code in February 2019 and it’s been over a year of hard work and collaboration from AFIA, our Buy Now Pay Later peers and now external stakeholders. We’d like to thank all those who have taken the time to participate for their engagement to date and for ensuring that we have a fit for purpose code of conduct that has been subject to robust external examination.”\nAFIA aimed to have the Code operating by 1 July 2020, but the pandemic has pushed it back to launch on January 1 2021.\nPower Retail is dedicated to providing critical and live e-commerce retailer benchmarking data and shopper insights for the online retail industry. Click here to find out more about Power Retail E-Commerce Intelligence or here to sign-up for the free weekly Pulse Newsletter for more essential online retail content.", "domain": "economics"}
+{"url": "https://farkyaratankadinlar.com.tr/ebru-ozdemir/", "date": "2022-07-04T21:42:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104496688.78/warc/CC-MAIN-20220704202455-20220704232455-00556.warc.gz", "language_score": 0.9405078291893005, "token_count": 285, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__147488531", "lang": "en", "text": "Ebru Özdemir is the Chairperson of Limak Investments, which was established as the investment branch of Limak Group of Companies. Focuses on the infrastructure and energy investments in and outside of Turkey, Limak Investments provides services in energy generation, distribution, sales and trading; airport, port, high speed train station, bridge and highway management sectors.\nEbru Ozdemir is the only person elected from Turkey to the Business Advisory Board of UNECE PPP (United Nations Economic Commission for Europe Public-Private Partnerships) in 2014. Mrs. Özdemir, is a Board Member of the International Investors Association (YASED), Endeavor Turkey and Foreign Economic Relations Board (DEIK), a member of Turkish Industrialists and Businessmen’s Association (TUSIAD) and Turkish Contractors Association (TMB). She is one of the Young Society Leaders of American Turkish Society and a member of Tate Modern’s Middle East North Africa Acquisitions Committee (MENAAC). Mrs. Özdemir is also carrying out the company’s social responsibility projects including Engineer Girls of Turkey which aims to promote engineering among female high school students and enpowering female engineering students.\nMrs. Özdemir has a B.Sc. in Civil Engineering (Bosphorus University, Turkey) and an MBA (Fordham University, US).", "domain": "economics"}
+{"url": "http://normandy-food.com/en/food-processing-in-normandy/food-processing-sector-overview/", "date": "2019-07-16T06:29:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195524503.7/warc/CC-MAIN-20190716055158-20190716081158-00100.warc.gz", "language_score": 0.9131245017051697, "token_count": 1045, "dump": "CC-MAIN-2019-30", "global_id": "webtext-fineweb__CC-MAIN-2019-30__0__11483570", "lang": "en", "text": "Food-processing industries: 17% of regional industrial employment\nNormandy is a significant food-processing region. The sector, which is heavily influenced by the agricultural sector, relies on a condensed make-up of dynamic SMB often family-owned, but also on large national or international companies or cooperatives positioned after the main agricultural productions in the region.\nThe food-processing sector (including beverages) employs 17% of the industrial workforce in Normandy. This orientation is strongly influenced by Basse-Normandie who counts 24% of its industrial workforce in food-processing against 12% for Haute-Normandie (the rate is 14,5% for metropolitan France).\nThe Normandy food-processing companies achieved a revenue of 6,2 billion euros, which place Normandy in 4th place for French regions with 6,8% of revenue of national FPI behind Brittany, the Pays de la Loire and the region North Pas de Calais.\nMilk and Meat: the two cornerstones of Normandy food-processing industry\nIn Basse-Normandie, the food-processing sector is the top regional industrial employer. This sector is essentially centered on the transformation of locally produced raw materials. In this region, 70% of FPI revenue come from the “milk and meat” sectors.\nPart of these transformed products benefit from the European or French PDO (Protected Designation of Origin) and impacts local production.\nInnovative sectors complete the offer: 4th generation salads, ready-cooked meals, prepared sea products, sweets.\nBreakdown of food-processing companies in Basse-Normandie by sector of activity\nBreakdown of employment in food-processing industries in Basse-Normandie by sector of activity\nRevenue for food-processing industries in Basse-Normandie by sector of activity\nIn Haute-Normandie, because of the harbor activities of the Rouen/Le Havre hub, the food-processing activity is essentially oriented towards grocery products and the transformation of imported raw materials (chocolate, tea, coffee…). Therefore, the contribution of the “dairy and meat” sectors is more limited: less than 10% of revenue for the regional FPI. On the other hand, the sector “other food products” that reunite in particular the grocery activities, globalize ¾ of the FPI regional revenue. Part of these produced products are exported. The Normandy cereal sector is also turned toward export, as the Rouen harbor is the #1 European harbor that exports cereal.\nBreakdown of food-processing companies in Haute-Normandie by sector of activity\nBreakdown of employment in food-processing industries in Haute-Normandie by sector of activity\nRevenue for food-processing industries in Haute-Normandie by sector of activity\nFewer and fewer independent and regional companies\nNumerous large companies are present in Normandy: Companies des Fromages – Richemonts, Lactalis Nestlé Ultra Frais, Bel, and Danone for the dairy sector; Bigard – Charal – SOCOPA and ELIVIA for bovine meat; Ferrero for sweets…\nThe decision-making headquarters are located, more and more, outside of the production units (notably in Ile de France). Each year brings its share of restructuration, site closures or takeovers of regional companies. The different sectors depend increasingly on strategies that exceed Normandy surroundings.\nExport to be developed\nIn France, export represents important prospects for the food-processing sector. In 2013, the French surplus for agricultural and food-processing trade reached 11,6 billion euros, close to the historic amount of 11,7 billion euros in 2011.\nThe beverage sector (including wine and spirits) remains the primary export sector for French FPI with 30% of revenue achieved by export. Dairy products constitute the 2nd export sector (16% of their revenue achieved with exports). The 3rd sector concerns grain products and starch (flour trade not included) with 43,7% of revenue achieved by export. In 2013, The European Union remained the principal destination for domestic exported products (63% of French exports by value, against 71% in 2007). The other destinations are the United States and China.\nThe Normandy food-processing companies achieve, in average, 18% of their sales with exports (intra-community deliveries included). Europe is the principal client for Normandy FPI. But their limited size is often a handicap for durably conquering international markets.\nThe professionals of the food-processing industry can unite in order to export. Collective operations are organized by the food-processing and proximity service of the Regional Normandy Chamber of Agriculture, in France and abroad: tradeshows, welcome centers for buyer delegations, business meetings, and prospection missions in the targeted countries.\nIn 2013, Normandy had 388 food-processing companies (60% in Basse-Normandie) – including baking points – who have notified their activity of organic agriculture to the Organic Agency. This figure is stable compared to 2012.", "domain": "economics"}
+{"url": "https://mc-d78b8b3d-03b4-41b4-9125-180180-cm.azurewebsites.net/News/2019/Rogers-Corporation-Reports-Second-Quarter-2019-Results", "date": "2021-09-26T21:32:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780057973.90/warc/CC-MAIN-20210926205414-20210926235414-00160.warc.gz", "language_score": 0.9408125281333923, "token_count": 2356, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__109063329", "lang": "en", "text": "Release Date: 07/31/2019\nDelivers Record Quarterly Revenue; EPS at Top End of Guidance\nChandler, Arizona, July 31, 2019: Rogers Corporation (NYSE:ROG) today announced financial results for the 2019 second quarter.\nThe Company reported 2019 second quarter net sales of $242.9 million, a 1.3% increase compared to 2019 first quarter net sales of $239.8 million and a 13.1% increase compared to 2018 second quarter net sales of $214.7 million. Net sales for the 2019 second quarter were within the Company's previously announced guidance range of $240 to $250 million. Currency exchange rates unfavorably impacted the 2019 second quarter net sales by $0.5 million compared to 2019 first quarter net sales, and by $8.1 million compared to 2018 second quarter net sales.\nSecond quarter 2019 net income was $24.3 million compared to $28.4 million in the first quarter of 2019 and $17.3 million in the second quarter of 2018. Earnings for 2019 second quarter were $1.30 per diluted share compared to $1.52 per diluted share in the first quarter of 2019 and $0.93 per diluted share in the second quarter of 2018. Earnings per diluted share were at the high end of the Company's previously announced guidance range of $1.16 to $1.31. On an adjusted basis, earnings were $1.64 per diluted share for the 2019 second quarter compared to adjusted earnings of $1.85 per diluted share in the first quarter of 2019 and $1.19 per diluted share in the second quarter of 2018. Adjusted earnings exceeded the high end of the Company's previously announced guidance range of $1.47 to $1.62 per diluted share.\nAdjusted EBITDA was $53.1 million, or 21.9% of net sales, for the second quarter of 2019 compared to $53.1 million, or 22.2% of net sales, reported in the first quarter of 2019 and $43.8 million, or 20.4% of net sales, reported in the second quarter of 2018.\nGross margin was 35.3% in the second quarter of 2019 compared to 35.6% in the first quarter of 2019 and 35.7% in the second quarter of 2018. Second quarter 2019 gross margin was within the Company's previously announced guidance range of 35% to 36%. Operating margin was 13.7% in the second quarter of 2019 compared to 13.7% in the first quarter of 2019 and 11.7% in the second quarter of 2018. Adjusted operating margin was 17.2% in the second quarter of 2019 compared to 17.1% in the first quarter of 2019 and 14.8% in the second quarter of 2018.\n\"We achieved record quarterly revenue and adjusted earnings above the top end of our guidance range in Q2, driven by 5G demand and continued strength in ADAS,\" stated Bruce D. Hoechner, Rogers’ President and CEO. \"We are encouraged by our strong performance, however our cautious near-term outlook is due to uncertainties related to ongoing trade tensions, which could affect the current 5G demand ramp, and continued weakness in industrial and conventional automotive markets. The market outlook for Advanced Connectivity and Advanced Mobility applications remains very strong and we are focused on operational improvements that will allow us to fully capitalize on these significant market opportunities.\"\nBusiness segment discussion\nAdvanced Connectivity Solutions (ACS)\nAdvanced Connectivity Solutions reported 2019 second quarter net sales of $92.5 million, a 15.0% increase compared to 2019 first quarter net sales of $80.5 million and a 21.1% increase compared to 2018 second quarter net sales of $76.4 million. The sequential increase in 2019 second quarter net sales was largely driven by demand for high frequency circuit materials used in 5G and 4G wireless infrastructure and continued strength in Advanced Driver Assistance Systems (ADAS). Second quarter 2019 net sales were favorably impacted by $0.1 million due to fluctuations in currency exchange rates compared to 2019 first quarter net sales, but were unfavorably impacted by $2.5 million compared to 2018 second quarter net sales.\nElastomeric Material Solutions (EMS)\nElastomeric Material Solutions reported 2019 second quarter net sales of $93.9 million, a 1.2% increase compared to 2019 first quarter net sales of $92.8 million and an 18.5% increase compared to 2018 second quarter net sales of $79.2 million. The sequential increase in 2019 second quarter net sales was due to strong demand in portable electronics, EV/HEV batteries and mass transit. Fluctuations in currency exchange rates unfavorably impacted net sales by $0.2 million in the 2019 second quarter compared to 2019 first quarter net sales, and by $2.2 million compared to 2018 second quarter net sales.\nPower Electronics Solutions (PES)\nPower Electronics Solutions reported 2019 second quarter net sales of $51.7 million, a 13.6% decrease compared to 2019 first quarter net sales of $59.8 million and a 3.7% decrease compared to 2018 second quarter net sales of $53.6 million. The 2019 second quarter sequential decrease was primarily due to weaker demand for power semiconductor substrates in industrial and vehicle electrification applications, partially offset by stronger rail and renewable energy demand. Second quarter 2019 net sales were unfavorably impacted by $0.4 million due to fluctuations in currency exchange rates compared to 2019 first quarter net sales and by $3.2 million compared to 2018 second quarter net sales.\nOther reported 2019 second quarter net sales of $4.8 million, a 29.4% decrease compared to 2019 first quarter net sales of $6.8 million and a 12.3% decrease compared to 2018 second quarter net sales of $5.4 million. The sequential decrease in 2019 second quarter net sales was due to a last-time buy in the Durel business in the prior quarter.\nBalance sheet and other highlights\nRogers ended the second quarter of 2019 with cash and cash equivalents of $173.1 million, an increase of $5.4 million from $167.7 million at December 31, 2018. The increase in cash resulted primarily from net cash provided by operating activities of $67.5 million, partially offset by capital expenditures of $24.0 million and repayment of debt principle of $33.0 million.\nEffective tax rate\nRogers' effective tax rate was 22.9% for the second quarter of 2019, compared to 14.2% for the first quarter of 2019. The second quarter effective tax rate was higher due primarily to certain discrete tax benefits realized in the first quarter. The Company expects the effective tax rate for the second half of 2019 to be 24% to 25%.\nFinancial outlookRogers guides its 2019 third quarter net sales to a range of $225 to $235 million and gross margin to a range of 35% to 36%. Rogers guides its 2019 third quarter earnings to a range of $1.05 to $1.20 per diluted share and adjusted earnings to a range of $1.30 to $1.45 per diluted share.\nFor the full year 2019, Rogers expects capital expenditures to be in a range of $50 to $60 million.\nAbout Rogers Corporation\nRogers Corporation (NYSE:ROG) is a global leader in engineered materials to power, protect, and connect our world. With more than 180 years of materials science experience, Rogers delivers high-performance solutions that enable the company’s growth drivers-- advanced connectivity and advanced mobility applications, as well as other technologies where reliability is critical. Rogers delivers Power Electronics Solutions for energy-efficient motor drives, e-Mobility and renewable energy; Elastomeric Material Solutions for sealing, vibration management and impact protection in mobile devices, transportation interiors, industrial equipment and performance apparel; and Advanced Connectivity Solutions for wireless infrastructure, automotive safety and radar systems. Headquartered in Arizona (USA), Rogers operates manufacturing facilities in the United States, China, Germany, Belgium, Hungary, and South Korea, with joint ventures and sales offices worldwide.\nSafe Harbor Statement\nThis release contains forward-looking statements, which concern our plans, objectives, outlook, goals, strategies, future events, future net sales or performance, capital expenditures, future restructuring, plans or intentions relating to expansions, business trends and other information that is not historical information. All forward-looking statements are based upon information available to us on the date of this release and are subject to risks, uncertainties and other factors, many of which are outside of our control, which could cause actual results to differ materially from the results discussed in the forward-looking statements. Risks and uncertainties that could cause such results to differ include: failure to capitalize on, volatility within, or other adverse changes with respect to the Company's growth drivers, including advanced mobility and advanced connectivity, such as delays in adoption or implementation of new technologies; uncertain business, economic and political conditions in the United States and abroad, particularly in China, South Korea, Germany, Hungary and Belgium, where we maintain significant manufacturing, sales or administrative operations; the ongoing trade policy dispute between the United States and China, as well as adverse changes in trade policy, tariff regulation or other trade restrictions, including trade restrictions on Huawei Technologies Co., Ltd.; fluctuations in foreign currency exchange rates; the results of our research and development efforts; adverse competitive developments, including the extent to which our products are incorporated into end-user products and systems and the extent to which those products and systems achieve commercial success; business development transactions and related integration considerations, including failure to realize, or delays in the realization of anticipated benefits of such transactions; the outcome of ongoing and future litigation, including our asbestos-related product liability litigation; inability to obtain raw materials, including commodities, from single or limited source suppliers in a timely and cost effective manner; uncertainties with regard to the timing, expense and cash outlays associated with the termination and settlement of the Rogers Corporation Defined Benefit Pension Plan; and changes in laws and regulations applicable to our business. For additional information about the risks, uncertainties and other factors that may affect our business, please see our most recent annual report on Form 10-K and any subsequent reports filed with the Securities and Exchange Commission, including quarterly reports on Form 10-Q. Rogers Corporation assumes no responsibility to update any forward-looking statements contained herein except as required by law.\nConference call and additional information\nA conference call to discuss the 2019 second quarter results will take place today, Wednesday July 31, 2019 at 5pm ET.\nA live webcast and slide presentation will be available under the investors section of www.rogerscorp.com/ir.\nTo participate, please dial:\n1-800-574-8929 Toll-free in the United States\nThere is no passcode for the live teleconference.\nIf you are unable to attend, a conference call playback will be available from July 31, 2019 at approximately 8 pm ET through August 14, 2019 at 11:59 pm ET, by dialing 1-855-859-2056 from the United States, and 1-404-537-3406 from outside of the US, each with passcode 6238188.\nAdditionally, the archived webcast will be available on the Rogers website at approximately 8 pm ET August 1, 2019.\nPlease contact the Company directly via email or visit the Rogers website.", "domain": "economics"}
+{"url": "https://skconflga.wordpress.com/2017/06/02/june-5-facebook-live-event-anti-poverty/", "date": "2018-05-27T09:40:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794868239.93/warc/CC-MAIN-20180527091644-20180527111644-00441.warc.gz", "language_score": 0.9044087529182434, "token_count": 124, "dump": "CC-MAIN-2018-22", "global_id": "webtext-fineweb__CC-MAIN-2018-22__0__207047831", "lang": "en", "text": "Minister Duclos to Host a Facebook Live Event Discussing the Federal Anti-Poverty Strategy\nOn June 5, the Hon. Jean-Yves Duclos, Minister of Families, Children, and Social Development, will be holding a Facebook live event in order to discuss poverty reduction, and the federal government’s Poverty Reduction Strategy. The event will be held on June 5 from 4:30-5:30pm EST, and can be accessed via the following link: https://www.facebook.com/SocialDevelopmentCanada/\nParticipants will be invited to submit questions and pose comments.", "domain": "economics"}
+{"url": "https://mhpost.in/gds-financial-upgradation-scheme-2024/", "date": "2024-04-24T18:35:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296819847.83/warc/CC-MAIN-20240424174709-20240424204709-00266.warc.gz", "language_score": 0.9384833574295044, "token_count": 595, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__2999529", "lang": "en", "text": "Ministry of Communications Launches Financial Upgradation Scheme for Gramin Dak Sevaks (GDS).\nIn a significant move aimed at enhancing the service conditions and addressing stagnation concerns among Gramin Dak Sevaks (GDSs), the Department of Posts, under the leadership of Union Minister Ashwini Vaishnaw, has introduced a comprehensive financial upgradation scheme. This scheme, unveiled recently, seeks to empower over 2.56 lakh GDSs who form the backbone of rural postal services across the nation.\nThe Gramin Dak Sevaks (Grant of Financial Upgradation) Scheme 2024 comes with several key features designed to recognize and reward the dedication and hard work of these essential postal workers. One of the central provisions of the scheme is the introduction of three financial upgradations, which will be granted upon completion of 12, 24, and 36 years of service, respectively. These upgradations will entail annual increments of Rs. 4,320, Rs. 5,520, and Rs. 7,200 per annum.\nCrucially, these financial increments are supplementary to the existing remuneration structure, which includes the Time Related Continuity Allowance (TRCA) provided to GDSs. This dual-layered approach ensures that GDSs receive both base compensation and incremental rewards for their continued service and dedication.\nBeyond the monetary benefits, the scheme holds the promise of enhancing the overall service conditions for GDSs. By addressing the issue of stagnation in service, it aims to infuse a sense of motivation and career progression among these frontline postal workers. The scheme is anticipated to have a far-reaching impact, not only on the lives of individual GDSs but also on the efficiency and effectiveness of postal services in rural areas.\nThe significance of the scheme lies not only in its immediate benefits but also in its broader implications for rural development and connectivity. Gramin Dak Sevaks play a pivotal role in bridging the gap between urban and rural areas by facilitating essential postal and financial services in even the remotest corners of the country. By recognizing their contribution and investing in their welfare, the Ministry of Communications underscores its commitment to inclusive growth and equitable access to services for all citizens.\nThe introduction of the Gramin Dak Sevaks (Grant of Financial Upgradation) Scheme 2024 marks a milestone in the ongoing efforts to strengthen postal infrastructure and empower rural communities. As the backbone of the Department of Posts in rural areas, GDSs are deserving of recognition and support, and this scheme represents a significant step towards fulfilling that obligation.\nIn conclusion, the unveiling of this scheme heralds a new chapter in the journey of Gramin Dak Sevaks, one marked by enhanced dignity, improved service conditions, and greater opportunities for professional growth. It is a testament to the government’s commitment to recognizing and valuing the contributions of all sections of society, especially those who work tirelessly to serve the nation’s rural populace.", "domain": "economics"}
+{"url": "http://www.lucianabritogaleria.com.br/exhibitions/147", "date": "2020-07-08T08:46:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655896905.46/warc/CC-MAIN-20200708062424-20200708092424-00029.warc.gz", "language_score": 0.9481976628303528, "token_count": 365, "dump": "CC-MAIN-2020-29", "global_id": "webtext-fineweb__CC-MAIN-2020-29__0__6153860", "lang": "en", "text": "Luciana Brito Galeria is pleased to announce its participation in the P.art.ilha project, an unforeseen initiative among Brazilian galleries, which aims to boost the national art market given the difficulties caused by the recent pandemic. The objective is to gather cultural agents within the galleries, artists and collaborators in a large solidarity network, including the support to vulnerable communities. The project is currently in its second month, with 17 participating Brazilian galleries, more than 100 artists and hundreds of sold artworks.\nDuring the month of June, with the purchase of an artwork by any of the selected artists, the client is automatically granted with a 75% credit of the purchase value, to use in payment for a second piece, this time of another artist represented by the same gallery. At the end of the month, the participating galleries will also make a financial donation to institutions that are on the front against Covid-19. A simple idea that heats up the market and contributes to its strengthening, while it also helps to fight the crises. The P.art.ilha project is currently during its second consecutive month and will remain until the month of July. The institutions which have already received the aid for the month of May as part of the project are: Casa Chama (SP), Lá da Favelinha (BH), Lanchonete <> Lanchonete (RJ), Por Nossa Conta (SP) e Salvando Vidas (SP).\nWant to join? Click here and see the list of the selected artists by Luciana Brito Galeria for the P.art.ilha Ação #2\nLuciana Brito Galeria\nAvenida Nove de Julho 5162\nSão Paulo Brasil 55 11 3842 0634", "domain": "economics"}
+{"url": "https://www.ctm360.com/trap10-binary-options-trading", "date": "2021-03-04T09:06:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178368687.25/warc/CC-MAIN-20210304082345-20210304112345-00163.warc.gz", "language_score": 0.9442586898803711, "token_count": 900, "dump": "CC-MAIN-2021-10", "global_id": "webtext-fineweb__CC-MAIN-2021-10__0__216424704", "lang": "en", "text": "Binary Trading (commonly also known as Binary Options Trading or Binary Options) is a type of option where the trader takes a yes or no position on the price of a stock or other assets, with the resulting payoff being all or nothing. Assets that can be traded as Binary Options are indices, forex, commodities and stocks.\nBinary Trading in the GCC\nAll binary options trades are conducted through Internet-based trading platforms which give the impression that they are based in the GCC and do not comply with applicable GCC regulatory requirements and may be engaging in illegal activities. GCC mainly Saudi Arabia stands eighth in the top ten list of binary options trading market.\nTypes of scams running in the GCC\nThe scammers are using various techniques to lure GCC residents to engage in TRAP10. Implying affiliation with GCC based financial institutions is the most concerning part. Following is a list of fraud techniques that we were able to identify:\n- ● Brand Abuse: The scammers are abusing brand names of GCC organizations to lure the residents in engaging with them. One of the easiest way to do so is by hosting binary trade business on lookalike domain names of recognized GCC organizations. Another is by creating lookalike social media profiles of recognized GCC brands, to connect and invite the target individuals, implying to them like they are a legitimate GCC organization. While investigating one such lookalike name of a GCC stock exchange, our analysts discovered multiple variations of the same name registered by an entity OptionRally, which is one of the most popular, yet completely unregulated brokers in the GCC. (Option Rally is registered in Cyprus, presumably under CySec)\n- ● Unregistered Establishments: Upon analysis of other websites, like BancoFX, Stock Pair, RehaOren, Top Option and Option Rally, it seems that these private enterprises are operating in GCC countries like Bahrain, Saudi Arabia and UAE without officially incorporating in-country. These entities have vague physical locations listed on their websites and do not appear to be regulated under any official authority; furthermore, phone numbers also remain unanswered during work-hours. As a result, we believe there is a · high likelihood that they are fraudulent and not registered as local or branch businesses.\n- ● Identity Theft: With brokers not being regulated or monitored, we believe there is a very high risk to customers who give their personal and credit card details as this information can be used for a fraudulent purpose. One such example is No1Options.com which requires personal information of the user to sign up.\n- ● Misrepresentation: Most binary trading websites are using get-rich marketing schemes like “Want to make $1,000 or more per day?” to attract GCC-based customers and offering bonuses of multiples of the deposit amount; however, there is considerable fine-print that makes it highly unlikely that large profits can be realized. An example of this is on Banc De Binary, RehaOren and others where a consumer is attracted towards claims of 200% returns on the deposit; yet, in real terms such scenarios are only possible when a trade is 20x the deposit and bonus amounts.\n- ● Manipulation of software: Manipulation of the TRAP10 software to generate losing trades is possible in an unregulated environment. Brokers can manipulate the trading software to distort prices and payouts. For example, when a customer’s trade is winning, the countdown to expiration is extended arbitrarily until the trade becomes a loss. We did identify a case where a trader fell victim to this scam. The background of this is that each broker has a system where a trade is placed and a countdown to the expiration begins. When the clock ticks to zero the victim/trader is awarded a win or suffers a loss. This is a standard binary · options trade; however, what happens after the clock ticks to zero, the status changes to Expiring for at least another 30 to 60 seconds. During that time, if trading was closed, the stock may move enough for the trader/victim to lose their money. OptionBit is one example of mass complaints.\n- ● Unauthorized articles: During the course of our research, we have found articles written by unauthorized people supporting TRAP10 in the GCC which are misguiding the public. arabicbinaryoption.com is one such website which is misleading the users that the reputable stock exchanges in the GCC trade in binary options.", "domain": "economics"}
+{"url": "https://northtexasreversemortgage.com/", "date": "2021-01-20T18:27:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703521987.71/warc/CC-MAIN-20210120182259-20210120212259-00578.warc.gz", "language_score": 0.8843265771865845, "token_count": 496, "dump": "CC-MAIN-2021-04", "global_id": "webtext-fineweb__CC-MAIN-2021-04__0__241080211", "lang": "en", "text": "Mortgage Broker – Top HECM Help\nReverse Mortgage – Local Lenders in DFW\nAre You Looking For a Local Reverse Mortgage Professional That Offers:\n- Free Consultation, Rates & Calculator,\n- 25+ Years of Experience – Lenders Here To Help,\n- Reverse Mortgage & HECM (Home Equity Conversion Mortgage) Explained,\n- Solutions for Adults 62+ w/ 50%+ Equity in Dallas,\n- and Trusted By 1,000s of Homeowners / Companies in DFW?\nIf the answer is “YES” then you need the help of a local and professional reverse mortgage lender to help you eliminate monthly mortgage, get access to cash, and/or help you stay in your home.\nTo get started give us a call or fill out the form to schedule a free consultation.\nDo I Qualify?\n10 Reverse Mortgage & HECM Strategies:\n- Pay off my existing mortgage to increase cash flow.\n- Renovate my home to make it safer and more enjoyable.\n- Give my retirement savings accounts more time to grow.\n- Delay taking my Social Security for larger payouts later.\n- Build a stronger safety net.\n- Gain greater peace of mind for my long-term healthcare needs.\n- Purchase another home that will better fit my needs.\n- Protect my portfolio in a down market.\n- Create a lifetime income stream for my family and me.\n- Pay off other debt, like high interest credit cards.\nReverse Mortgage & HECM Eligibility Requirements:\n- Be 62 or older\n- Own and live in your home as your primary residence\n- Undergo a financial assessment to ensure a reverse mortgage can serve you as a sustainable, long-term retirement solution\n- Receive counseling by an independent, HUD-approved third-party to confirm you understand your obligations and responsibilities with a reverse mortgage\n- Maintain the property and continue paying property taxes, homeowners insurance, homeowner association and any other applicable fees\n- More than 1 million homeowners 62 and over have used a HECM reverse mortgage to age in place.\n- Since obtaining a reverse mortgage, 8 out of 10 customers said their lives have improved.\n- Home equity levels for homeowners aged 62 and older grew to $7.1 trillion in the fourth quarter of 2018.\nReverse Mortgage Evaluator", "domain": "economics"}
+{"url": "https://webuycars.com.au/the-best-time-to-sell-your-car-in-australia/", "date": "2024-02-27T09:51:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474674.35/warc/CC-MAIN-20240227085429-20240227115429-00731.warc.gz", "language_score": 0.9535459876060486, "token_count": 805, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__21017657", "lang": "en", "text": "Selling your car can be a significant decision, both financially and emotionally. Add to this the challenging economic market we find ourselves in following Covid-19 and its impacts on manufacturing and supply chains, and it becomes even more confusing to know if or when to sell. Many factors can impact the price you can expect to receive when selling your secondhand car, so it’s important to consider when the best time to sell your car may be. In this blog post, we'll delve into the factors that influence the best time to sell your car in Australia, helping you navigate the market, and make informed decisions to help you get the best price for your car sale.\nThe age and mileage of your car play a significant role in determining the right time to sell. As they say, a brand new car loses 10-15% of its value the minute you drive out of the showroom, and in general cars will depreciate up to 50% over the first two years. Unless you’re planning to keep your car for many years, you may get the best resale value by upgrading your car every 3-5 years or before you clock up 100,000km. That said, different cars may depreciate at different rates, such as luxury or classic vehicles.\nLifestyle changes can prompt the need for a different type of vehicle out of want or necessity. If your family is growing, you might need to upgrade to a larger car, or if you're downsizing, a smaller vehicle might be in order. Preparing for these changes and selling your car before the need becomes urgent can help you find a better price and enjoy more negotiating power.\nDid you know that different seasons can influence car sales? In warmer weather, you might see more demand for convertibles, sports cars, or road trip vehicles, whereas in colder months, 4x4s or SUVs could be more appealing. However, keep in mind that these trends might vary based on your location and local climate!\nResearching market trends can be beneficial before selling your car. If a particular make or model is in high demand due to a certain feature or availability, you might want to sell when that demand is at its peak. On the other hand, if new models of your car are about to be released, you might experience a drop in value as buyers may be more likely to choose the newer model. Sale periods like EOFY also mean people might be more inclined to buy new or demo models, as dealers can offer more competitive prices or tax benefits.\nEconomic and environmental factors can influence car sales and the used car market. When the economy is thriving, people may feel more confident about their financial situation and are more likely to consider buying a car. On the other hand, during economic downturns, selling a car might be more challenging as buyers become more budget-conscious and risk averse.\nTiming your sale with your next scheduled service or repair can be potentially beneficial. If your car requires major repairs, consider whether investing in those repairs will yield a higher selling price, or if you’ll end up financially worse off. Sometimes, getting the necessary repairs done before selling can make your car more attractive to buyers, and sometimes the cost of repairs may outweigh any added value. The good news is, when you sell your car to We Buy Cars, you don’t need to stress about service history or roadworthy certificates!\nSelling your car is a big step, and the timing can impact your experience. Whether you're selling due to changing needs, market trends, or economic conditions, taking the time to consider these factors can help you get a better return at the end of the day. Remember that research is key - keep an eye on market trends, stay informed about your car's maintenance needs, and use online platforms strategically. If you want to sell your car online in three easy steps, get in touch with the team at We Buy Cars today!", "domain": "economics"}
+{"url": "https://www.acronymsseriouslysuck.com/acronym/633701bad06538a3c4d14d48/fdic/federal-deposit-insurance-corporation", "date": "2023-10-05T02:58:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511717.69/warc/CC-MAIN-20231005012006-20231005042006-00585.warc.gz", "language_score": 0.9437658190727234, "token_count": 150, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__220887185", "lang": "en", "text": "The Federal Deposit Insurance Corporation (FDIC) is an independent U.S. government agency created in 1933. Its main purpose is to provide insurance protection to depositors in case of the failure of a member bank. The FDIC insures deposits up to $250,000 per depositor, per insured bank, for each account ownership category. This insurance protection helps to ensure public confidence in the nation's banking system and promotes stability in the financial system. In addition to providing deposit insurance, the FDIC also works to promote the safety and soundness of insured financial institutions and to limit the extent of losses to the Deposit Insurance Fund. The FDIC is funded by assessments on insured banks and thrift institutions, and does not receive any tax dollars.", "domain": "economics"}
+{"url": "https://www.valeoils.co.uk/", "date": "2020-07-11T02:37:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655919952.68/warc/CC-MAIN-20200711001811-20200711031811-00081.warc.gz", "language_score": 0.946399450302124, "token_count": 869, "dump": "CC-MAIN-2020-29", "global_id": "webtext-fineweb__CC-MAIN-2020-29__0__26313103", "lang": "en", "text": "An Independent Heating Oil Supplier In Devizes\nWe are a completely independent fuel supplier serving the Devizes and Marlborough areas. You can buy quality heating oil from us for your home, business, farm or vehicle for a competive price with unrivalled customer service.\nWe are focused on serving our local communtiy, which allows uts to build a relationship with you. We’re here when you need us with a range of delivery options depending on your need. As we can group heating oil orders , we can make savings and pass them directly to you, helping you to get the best prices for premium heating oil every time.\nNot only do we offer great prices and personalised service, we also pride ourselves on providing top quality heating oil with special additives. These additives have many benefits, including lowering emissions, improving system efficiency, and offering a cleaner burn. Click here to learn more about our additives.\nOur heating oil fuels include Kerosene, Aga Kerosene and Premium Kerosene. We can help with deliveries for home heating, farms, local businesses and vehicles, keeping things running with a reliable supply when you need it most.\nVale Oils offer heating oil supplies in Devizes, The Pewsey Vale, Marlborough and surrounding villages. By staying local we can ensure deliveries are on time and flexible to fit around your needs.\nCome and see how we do things differently.\nWe supply quality heating oil with prices you can trust and aim to save our customers the effort of comparing heating oil suppliers. We also offer a free Autofill service, keeping you regularly topped up with domstic fuel oil when needed.\nDirect communication and reliability allows our hard working farmers to trust us with providing their oil fuels. We cover a smaller area around Devizes and Marlborough,so that we are available during peak times for fuel oil deliveries, such as harvest.\nOur fuel oil supplies come straight from the terminal, ensuring the best quality heating oil every time. We know how important fuel is and believe as local businesses play an important role in the community we’re proud to offer a reliable fuel oil service to you.\nPremium fuel oils contain additives to provide multiple enhancements over standard fuels, such as reducing your oil boiler servicing costs, increasing fuel oil performance and lowering emissions.\nAbout Vale Oils\nVale Oils is a heating oil supplier covering Devize and Marlborough and the local area. The business was setup by two experienced tanker drivers who wanted to be seen differently and show their family values. Our focus is to provide a great service to a smaller area, so that we can be there for when you need us most.\nWe really love spending time getting to know our customers and listening to how the little things can make a big difference.We work hard to ensure your heating oil experience is excellent from start to finish, so you will stay with us for years to come.\nBeing a completely independent local supplier of heating oil allows us to provide better communication and flexibility. Every Vale Oils customer will receive a fair and transparent price for their heating oil, so we can be a trusted part of the community.\nOur time will always be spent giving you a personal service with friendly local staff, always on hand to help with your heating oil supply whether you’re a domestic, farm or business customer.\nWant to see how we compare? Click our ‘Get a Quote’ button for a free online quote. We have delivery options ranging from ten days (our best value option), right through to emergency deliveries. If you have an emergency order needed within 24 hours please call us on 07775 795628.\nOur Good Causes\nWiltshire Air Ambulance (WAA)\nReaching the far corners of Wiltshire within 11 minutes of an emergency call is an impressive achievement. This year Vale Oils will be supporting this local charity as it is not funded directly by the Government and receives no National Lottery grants.\nTrue Heroes Racing (THR)\nWith a close link to the military, Vale Oils want to show their appreciation by supporting the THR team. True Heroes supports injured military personnel from all services by helping serving members and veterans become part of a team again.", "domain": "economics"}
+{"url": "https://jknewsletter.com/rs-2000-notes-to-be-withdrawn-from-circulation/", "date": "2023-09-29T13:50:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510516.56/warc/CC-MAIN-20230929122500-20230929152500-00601.warc.gz", "language_score": 0.9593355059623718, "token_count": 333, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__229046935", "lang": "en", "text": "In a statement, the RBI said: “The 2000 denomination banknote was introduced in November 2016 primarily to meet the currency requirements of the economy in an expeditious manner after the withdrawal of legal tender status of all 500 and 1000 banknotes in circulation at that time.”\nIt also said that all banks should provide deposit and or exchange facilities for 2000 banknotes until September 30, 2023.\nThe RBI said it would withdraw all the Rs 2000 banknotes as a part of its clean note policy.\nAccording to the RBI, people may deposit Rs 2000 banknotes into their bank accounts and or exchange them into banknotes of other denominations at any bank branch.\n“Deposit into bank accounts can be made in the usual manner, that is, without restrictions and subject to extant instructions and other applicable statutory provisions,” RBI said.\nThe central bank said in order to ensure operational convenience and to avoid disruption of regular activities of bank branches, exchange of Rs 2,000 banknotes into notes of other denominations can be made up to a limit of Rs 20,000 at a time at any bank starting from May 23, 2023.\nThe RBI said that banks may exchange Rs 2000 banknotes up to a limit of Rs 20,000 (10 notes per account holder) at a time from an account holder so that the inconvenience to the public is minimised.\nIt said that the facility for exchange of Rs 2000 banknotes would be provided to people by all banks through their branches.\nThe RBI has given banks till May 23 to get ready to exchange the Rs 2000 notes while deposits of the notes are accepted in usual manner.", "domain": "economics"}
+{"url": "https://saasb2b.com/growth-marketing-kpis/", "date": "2024-03-05T11:44:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707948234904.99/warc/CC-MAIN-20240305092259-20240305122259-00373.warc.gz", "language_score": 0.9367834329605103, "token_count": 2831, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__58008145", "lang": "en", "text": "Tracking growth metrics is essential for any business that wants to achieve long-term success. Growth metrics provide critical insights into the health of a business, and help identify areas that need improvement. By tracking the right metrics, a business can gain a better understanding of its customer base, its performance relative to its competitors, and its potential for future growth.\nFor SaaS companies in particular, tracking growth metrics is especially important. Since SaaS is a subscription-based model, it’s critical to monitor metrics that indicate the health of customer relationships and retention rates. Metrics such as customer lifetime value, churn rate, and monthly recurring revenue can provide insights into the financial health of a SaaS business, while metrics such as user acquisition cost, conversion rate, and customer engagement can help identify opportunities for growth.\n9 Essential Growth Marketing Metrics\nSaaS businesses require a unique set of growth marketing KPIs (key performance indicators) to effectively measure the success of their marketing efforts. Here are some of the most important growth marketing KPIs for SaaS businesses:\n#1. Monthly Recurring Revenue (MRR)\nMRR is a critical KPI for SaaS businesses, as it measures the total revenue generated from monthly subscriptions. By tracking MRR, businesses can understand the growth and performance of their subscription-based revenue streams.\n#2. Customer Acquisition Cost (CAC)\nCAC measures the cost of acquiring a new customer. By tracking CAC, businesses can determine the effectiveness of their marketing and sales efforts and make informed decisions about how to allocate resources. How to calculate CAC.\n#3. Customer Acquisition Cost Payback Period\nCAC payback period measures the time it takes for a business to recoup the cost of acquiring a new customer. This metric is important for SaaS businesses because it helps them understand the effectiveness of their marketing and sales efforts, and the sustainability of their customer acquisition costs. How to Calculate CAC Payback Period.\n#4. Customer Lifetime Value (CLV):\nCLV measures the total revenue a customer is expected to generate over the course of their relationship with the business. By understanding the CLV, businesses can make informed decisions about how much to spend on customer acquisition and retention. How to calculate Lifetime Value.\n#5. Churn Rate\nChurn rate measures the percentage of customers who cancel their subscription or stop using the product or service. By tracking churn rate, businesses can understand the factors that contribute to customer retention and make informed decisions about how to reduce churn. How to calculate Churn Rate.\n#6. Conversion Rate\nConversion rate measures the percentage of website visitors or leads who become paying customers. By tracking conversion rate, businesses can optimize their marketing and sales funnels to improve the effectiveness of their conversion efforts.\n#7. Active Users\nActive users measures the number of users who are actively using the product or service. By tracking active users, businesses can understand the engagement and satisfaction of their customers.\n#8. Net Promoter Score (NPS)\nNPS measures the likelihood of customers to recommend the product or service to others. By tracking NPS, businesses can understand customer satisfaction and identify areas for improvement. How to calculate NPS.\n#9. Return on Investment (ROI)\nROI measures the return on investment of marketing and sales efforts. By calculating ROI, businesses can understand the effectiveness of their spending and make data-driven decisions about where to allocate resources. How to calculate ROI.\nOverall, these growth marketing KPIs can provide valuable insights into the performance and effectiveness of a SaaS business’s marketing and sales efforts. By tracking and analyzing these metrics, businesses can make informed decisions about how to optimize their growth marketing strategies and maximize revenue and profitability.\nUseful Tools for Keeping Track of Growth Metrics for SaaS\nThere are several tools that are critical for analyzing SaaS growth. Here are some examples:\n#1. Google Analytics\nThis is a web analytics tool that can track website traffic, user behavior, and conversion rates. It can also be used to monitor the effectiveness of marketing campaigns and user acquisition strategies.\n#2. Mixpanel & Amplitude\nMixpanel and Amplitude are analytics tools that can be used to track user behavior within a SaaS product, including user engagement, retention, and conversion rates. They can also be used to monitor the effectiveness of product updates and features.\n#3. SEMrush & Ahrefs\nSEMrush and Ahrefs are marketing analytics tool that can be used to monitor the performance of SEO, PPC, and social media marketing campaigns. It can also provide insights into the competitive landscape and identify opportunities for growth.\n#4. ChartMogul & Baremetrics\nChartMogul and Baremetrics These are revenue analytics tools that can be used to track subscription revenue, churn rates, and customer lifetime value. They can also provide insights into the effectiveness of pricing strategies and customer acquisition channels.\n#5. Looker & Tableau\nLooker and Tableau are business intelligence and data analytics platforms that can be used to analyze and visualize data from various sources, including databases, APIs, and other analytics tools. They can help SaaS businesses gain a deeper understanding of their users, products, and market, and make data-driven decisions to drive growth.\nBy using these and other tools, SaaS businesses can monitor their growth and identify opportunities for optimization and improvement. The insights provided by these tools can help startups make data-driven decisions and increase their chances of success.\nGrowth Metric Calculations\nHow to Calculate CAC\nTo calculate Customer Acquisition Cost (CAC), you need to divide the total cost of acquiring customers (including all marketing and sales expenses) by the number of customers acquired during a specific period. Here’s the formula:\n- CAC = (Total cost of sales and marketing) / Number of new customers acquired\nFor example, if a SaaS business spends $10,000 on sales and marketing in a month, and acquires 100 new customers during that same month, then the CAC for that month would be $100:\n- CAC = $10,000 / 100 = $100\nIt’s important to note that to accurately calculate CAC, you need to include all costs associated with acquiring new customers, such as marketing and advertising spend, sales team salaries, commissions, and any other relevant expenses. This will give you a comprehensive understanding of the cost of acquiring a new customer and help you make informed decisions about your customer acquisition strategies.\nHow to Calculate CAC Payback Period\nTo calculate the CAC payback period, you need to divide the total cost of acquiring new customers (CAC) by the average monthly recurring revenue (MRR) generated by those customers. Here’s the formula:\n- CAC Payback Period = CAC / (Average Monthly Recurring Revenue per Customer)\nFor example, let’s say that a SaaS business has a CAC of $10,000, and the average MRR per customer is $100. To calculate the CAC payback period, you would use the following formula:\n- CAC Payback Period = $10,000 / $100 = 100 months\nThis means that it would take 100 months, or just over 8 years, for the business to recoup the cost of acquiring its customers.\nIt’s important to note that the CAC payback period is just one of many metrics that SaaS businesses use to measure the effectiveness of their customer acquisition efforts. While a shorter payback period is generally preferable, it’s important to balance this with other growth marketing KPIs like customer lifetime value, churn rate, and monthly recurring revenue to get a complete picture of your business’s financial health.\nHow to Calculate Customer Lifetime Value\nTo calculate Customer Lifetime Value (CLV) for a SaaS business, you need to determine the total amount of revenue a customer will generate over their entire lifetime as a customer of your business. Here’s the formula:\n- CLV = (Average Monthly Recurring Revenue per Customer * Gross Margin %) / Churn Rate %\nHere’s what each of these variables means:\n- Average Monthly Recurring Revenue per Customer: This is the average amount of revenue you can expect to receive from a customer on a monthly basis.\n- Gross Margin %: This is the percentage of revenue you retain after deducting the direct costs of delivering your product or service.\n- Churn Rate %: This is the percentage of customers who stop using your product or service over a given period of time.\nFor example, let’s say that a SaaS business has an average monthly recurring revenue per customer of $100, a gross margin of 80%, and a monthly churn rate of 5%. To calculate the CLV for this business, you would use the following formula:\n- CLV = ($100 * 0.80) / 0.05 = $1,600\nThis means that the average customer of this business will generate $1,600 in revenue over their entire lifetime as a customer. Knowing the CLV of your customers is important for making strategic decisions around customer acquisition, retention, and product development. By optimizing for a higher CLV, businesses can increase their revenue, profitability, and overall success.\nHow to Calculate Churn Rate\nTo calculate churn rate, you need to determine the percentage of customers who stop using your product or service over a given period of time. Here’s the formula:\n- Churn Rate = Number of Customers Lost During a Given Time Period / Total Number of Customers at the Beginning of the Time Period\nFor example, let’s say that a SaaS business starts the month with 1,000 customers, and by the end of the month, 50 customers have canceled their subscription. To calculate the churn rate for that month, you would use the following formula:\n- Churn Rate = 50 / 1000 = 5%\nThis means that the business had a churn rate of 5% for that month.\nIt’s important to note that churn rate is a critical metric for SaaS businesses to track, as it directly impacts customer lifetime value (CLV) and overall revenue. High churn rates indicate that a business may be struggling to retain its customers, which can lead to decreased revenue and a lower CLV. By tracking churn rate over time, businesses can identify areas for improvement and take action to retain customers, such as improving product features, customer service, or marketing and sales strategies.\nHow to Calculate NPS\nTo calculate Net Promoter Score (NPS), you need to conduct a survey that asks customers to rate how likely they are to recommend your product or service to a friend or colleague. Here are the steps to calculate NPS:\n- Send a survey to your customers that asks the following question: “On a scale of 0 to 10, how likely are you to recommend our product/service to a friend or colleague?”\n- Once you receive responses, categorize them into three groups based on the score they gave:\n- Promoters (score 9-10): These are customers who are highly likely to recommend your product or service to others.\n- Passives (score 7-8): These are customers who are somewhat satisfied with your product or service, but may not actively recommend it to others.\n- Detractors (score 0-6): These are customers who are unlikely to recommend your product or service and may have negative feelings about it.\n- Promoters (score 9-10): These are customers who are highly likely to recommend your product or service to others.\n- Calculate the percentage of responses in each group. For example, if you received 100 responses and 30 were promoters, 50 were passives, and 20 were detractors, your percentages would be:\n- Promoters: 30%\n- Passives: 50%\n- Detractors: 20%\n- Promoters: 30%\n- Calculate the NPS by subtracting the percentage of detractors from the percentage of promoters. In the example above, the NPS would be:\n- NPS = 30% – 20% = 10\nThis means that your NPS is 10, which is considered a low score. NPS scores can range from -100 to 100, with a score above 0 being considered positive and a score above 50 being considered excellent.\nHow to Calculate ROI\nCalculating ROI (Return on Investment) for a SaaS business requires two pieces of information: the net profit and the total investment. Here is the formula to calculate ROI:\n- ROI = (Net Profit / Total Investment) x 100\nTo calculate net profit, subtract the total costs (including marketing, sales, development, hosting, etc.) from the total revenue generated from the SaaS product.\nTo calculate the total investment, add up all the costs associated with the product development and launch, including salaries, development, marketing and advertising, hosting and infrastructure, and other operational expenses.\nOnce you have calculated both net profit and total investment, you can use the above formula to calculate the ROI. The resulting number will be a percentage that shows the return on investment for the SaaS product.\nIt’s important to note that ROI is a critical metric for SaaS businesses as it helps measure the effectiveness of the investment made in developing and launching the product. By tracking ROI over time, businesses can identify areas for improvement and take action to optimize their investment to increase their return.", "domain": "economics"}
+{"url": "http://www.sherrillny.org/city-hall/assessor-information/", "date": "2018-11-20T14:29:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039746398.20/warc/CC-MAIN-20181120130743-20181120152743-00104.warc.gz", "language_score": 0.9282183051109314, "token_count": 370, "dump": "CC-MAIN-2018-47", "global_id": "webtext-fineweb__CC-MAIN-2018-47__0__221288558", "lang": "en", "text": "Enhanced STAR Exemption Changes\nThe State has changed the filing requirements for property owners currently eligible for the Enhanced STAR Exemption who are NOT CURRENTLY enrolled in the Income Verification Program (IVP). Most likely you are not enrolled in the IVP program, if you come in to either the City of Sherrill or Town of Vernon’s Assessor’s offices each year and need to bring in proof of income. You can also contact the Vernon office at (315) 829-2587, to determine if enrolled in the IVP program. Under the new rule those NOT enrolled in the IVP program or those that will become eligible for Enhanced STAR in 2019, a renewal or first-time application form needs to be completed by March 1, 2019 and you MUST enroll in the IVP program. One advantage of the IVP program is that it renews automatically each year as long as a New York State Tax return is filed.\nIf you are a Senior that has or will be eligible for a Partial Tax Exemption for Real Property of Senior Citizens this exemption MUST now be applied for SEPARATELY from Enhanced STAR. Income amounts for this exemption are much lower than that of the Enhanced STAR exemption. The Partial Senior Exemption must be renewed each year by your Assessor. Contact your Assessor if you are not sure you are receiving this property tax exemption.\nPlease contact Bob Comis, City Assessor at (315) 264-6362 with any questions and download more information here-Enhanced STAR brochure\nTax Roll Information\nBob Comis is the Assessor for the City of Sherrill. An appointment can be scheduled by contacting Bob, (315) 264-6362. Property owners considering construction this year are welcome to meet with Bob to discuss the potential change to your City assessed value.", "domain": "economics"}
+{"url": "https://youworktoomuch.com/passive-income", "date": "2024-04-20T17:45:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817670.11/warc/CC-MAIN-20240420153103-20240420183103-00798.warc.gz", "language_score": 0.961988091468811, "token_count": 3348, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__109655993", "lang": "en", "text": "How would you like to pour all that energy and time you spend at work into something that will create a solid financial foundation and generational wealth for your family?\nNow that I have your attention, continue reading to find out exactly what you can pour your time and effort into that will bring you a high level of freedom that you can not get at a traditional job. As you have likely guessed from this article’s title, the idea involves passive income. Passive income could afford you the opportunity to work less hours and even retire early. For those who are workaholics or those who are extremely busy in particular, passive income just may be your way out of the rat race. It is a method of building wealth that is relatively easy and does not discriminate. It affords an opportunity to anyone who is willing to put in small amount energy in relation to the huge reward.\nOne reason many people work hard is to create a certain lifestyle for self and family. According to Gallup polls, the average number of hours worked per week is 47 hours and 40% of employees work over 50 hours per week. So why are we working so much? What is it all for? I believe many of us really want freedom and believe money will get us more of that. Freedom to experience what you want when you want it; the freedom to buy what you want when you want it; the freedom to go where you want when you want; and the freedom to give or support who you want when you want. Unfortunately, lack of money is a primary reason that limits this freedom; and thus, people work long hours for more money or to get a promotion that will lead to more money. If your primary motivation for working hard is money related, then this information would definitely benefit you. There is a smarter way that leads to financial freedom. In fact, there are many ways to earn income working far less hours than the standard work week. I am convinced that the key to working less and retiring early for workaholics is to create multiple income streams and passive income.\nIn early 2000s, there was a top selling book, “Multiple Streams of Income” by Robert Allen which had a profound impact on my life. This book introduced me to many of the money-\nsaving tips and investment strategies to move from reliance on primary income from a job into other sources of income. Another top selling book, “The Four Hour Work Week” (4HWW) by Timothy Ferris, expanded on that knowledge of multiple income sources and propelled my knowledge to make passive income in far less time through business automation. The Four Hour Work Week provided keys to escape the hum drum of a 9 – 5 and to live productively even in your current work situation.\nDefinition of Passive Income\nPassive income is a stream of income in the form of interest, fees, profits, royalties, or commissions that comes to you 24 hours per day, 7 days a week, even while you sleep. The money you receive from your activity does not directly correlate to the energy you put out. Pat Flynn, who blogs at Smart Passive Income once said, “We don’t have to trade our time for money one to one. Instead, we invest our time upfront, creating valuable products and experiences for people, and we reap the benefits of that time invested later.”\nCreating passive income is not a magic pill. Once you select a way to bring you passive income, you have to learn to execute it and then manage it once the passive income starts coming in. Although the amount of time to manage it will be far less per week than the standard work week, let’s say 4 hours instead of 40 hours, the point is that it is not “do nothing”, it takes time. However, the financial reward is exponentially greater.\nWays to Make Passive Income Online\nThe primary ways to make money online are the following:\n- Build blogging websites and monetize via one of the following options:\n- Advertising – After you create a website, you can sell advertising spots by joining a company like Google Adsense or placing ads directly on your site. The traffic on your website must be very high before this option will yield a lot of money.\n- Membership – Many people have created a paid membership area on their blog. This is typically for exclusive content that you can only access in the “member’s area.” If you have a really great idea on what to include, this can be a great idea. You’ll have to create something that can’t easily be accessed around the web.\n- Products/Services – You can create and sell your own product, such as an ebook, or you sell your professional services and skills such as tutoring, personal training, life coaching, etc…. You would then use your blog as a promotion tool to get people to buy your product.\n- Subscription Services – You can offer a publication like a newsletter or online magazine that you create on a consistent basis (weekly, monthly, etc.) as a paid subscription service. You will have to provide creative material or products timely.\n- Videos – You can create YouTube videos and get paid from advertisement. You basically need to get views into the millions to make good money with this option.\n- Affiliate Marketing – You promote other companies products and services on your website. These products and services are related to your niche audience and your website’s mission. Majority of companies, large and small (Amazon, Walmart, Target, GNC, …), offer an affiliate program which are free to join, and affiliates get paid commissions on customer sales that result from clicking through your website to get to the company website. You host the links on your website that drive traffic to other sites where the purchases happen.\n- Sell products on Etsy – If you create arts and crafts, you can sell them on Etsy. It’s completely free to open an Etsy store. You simply sign up, post pictures of your creations and starting selling. Etsy makes it easy to sell and keep track of your inventory. Etsy receives percentage per sale.\n- Sell product on Amazon – You may have noticed the term Fulfilled by Amazon (FBA) if you ever bought a product from the largest online retailer. Fulfilled by Amazon is simply when you buy and ship bulk products to Amazon for them to sell and ship to the customers for you. Amazon also handles the customer service aspects as well. Amazon receives a percentage of each purchase.\n- Ebay Store – Sell products or items to declutter your house. If you decide to start an actual eBay store, you’ll want to find a drop-ship business that will store and ship items straight to your customers so you don’t have to deal with an inventory. Ebay receives a percentage of each purchase.\n- Ecommerce Store – Create your own online store. You can find manufacturers to provide you with products to sell on your store. You can buy them in bulk. You can carry inventory for some of the products and drop-ship with others. Success with this option will yield the most income.\nOf all the ways above, affiliate marketing requires the least amount of effort, offer more flexibility, and one of the lowest startup cost. It doesn’t have as great of a return financially as some of the other options like ecommerce store, but it is probably the easiest to start earning money if you don’t have a product of your own ready to sell.\nBuild niche websites and monetize via Affiliate Marketing – You can build websites, place ads or links to other people’s products and services on your website, and get paid every time someone uses your site as a click-through to get to the other site where they make a purchase. In other words, you simply put a link or a banner on your page and then you get a percentage if someone clicks that link which routes them to that company’s website where the person makes a purchase. You get a percentage of the entire purchase, not just the specific item that is listed on your site. It is a simple concept but lot of things to learn about website traffic, search engine optimization, keyword research, etc. The products and services should be related to the purpose of your website. The revenue from Affiliate marketing grows exponentially as traffic increase on a website. Check out this short video that demonstrates How Affiliate Marketing Works.\nRobert Flynn once said, “affiliate marketing is about being open and honest about the products and resources you love and find helpful that would benefit your audience. It should always be about helping people and about the passion of making others feel better. The byproduct of doing that is generating money.”\nAs an affiliate marketer, you get paid to promote products and drive traffic to other sites as you help offer information, product reviews, educational resources, or share experiences to your website audience.\nAs for my personal journey, initially, I was looking for a product to sell online via Fulfilled by Amazon, which was one way suggested in the 4HWW book. That was two years ago. I didn’t get very far with that. Now, I am focusing on affiliate marketing to earn extra income that would eventually replace and surpass my full time salary. It appeared to be the quickest and most compatible with my skills. It also has the lowest upfront cost. You see, I am frugal. I don’t like wasting money so I don’t take many chances with my money. My success with affiliate marketing points squarely to training; No if’s, and’s, or but’s about it. Once I found a training and support community, I soared in affiliate marketing. I did not seek a structured program. While searching for product to sell, I stumbled on an article about Wealthy Affiliate, which offers self-paced, structured training platform and technical support for affiliate marketing and starting online business. Once I became aware of this program, I immediately knew that good training is what was missing in my other attempts to make passive income online. I also knew it was worth a try with Wealthy Affiliates when I learned I could try it for seven days for free, without contract or providing credit card information. That was right up my alley, FREE. Well needless to say, I am now a member of that training support community, Wealthy Affiliate, and it was one of the best decisions I’ve made toward my financial goal to supplement income and retire early. I joined an affiliate marketing community (Wealthy Affiliates) to learn all about affiliate marketing. After Stumbling onto Wealthy Affiliate, now I know why I didn’t get there on my own. I knew even if I didn’t make money, education is something that can not be taken away from you. It is well worth taking a risk on a training program especially if you don’t really have a clue where to start. There are so many people making money while they are sleeping. People are going to websites and making billions of transactions 24/7. The internet commerce has made small business opportunity accessible for any and everybody without restrictions to location, age, gender, religion, lifestyle, economic status, or educational level.\nWealthy Affiliate is primarily a training platform and community of affiliate marketers supporting and encouraging one another. It offers unlimited self-paced video training and live chat courses that step you through the process of affiliate marketing and other various ways to monetize website. Everything you need to know about building and optimizing a website is included. A plethora of topics from building a business to social media marketing is available. Oh, I forgot to mention that they also offer two websites, website hosting, and email with website domain, all for free.\nIf you have been searching for a way to help people or have a hobby where you are passionate about teaching others, or have a cause you want to share with others, this very well may be your avenue to combine that passion with making money. Using a website to reach your audience is the way to go. Monetizing that website via affiliate marketing is icing on the cake.\nWealthy Affiliate Price\nI would encourage anyone to go and experience the training and build a website and business in the process. Remember it is free. You can build a wordpress website in a matter of hours based on the quality of the training and the support you get. Before you click the link to try it, I want to explain the full program cost if you opt to do more training than the basic starter program; I want to remove be transparent with all pricing options so you can trust that this is not some type of a scam. Below are the membership options available:\nWealthy Affiliates offers first round of courses for FREE for 7 days. That is enough time to understand what affiliate marketing is all about and build a website, so you can see if it is truly something you want to do. As shown above, two websites and website hosting are free. Once you sign in, there will be an option at the end of your seven days to upgrade to monthly for $19 for first month so you can explore further if you want. You can choose not to go beyond the first seven days. By the way, you DO NOT enter a credit card or any form of payment to gain access.\nYou simply sign up for FREE. If you decide to continue after the first month, you can upgrade to Premium program for a monthly fee is $49/month or a yearly fee of $359 which equates to $30 per month, and that is it. No additional upgrades or offerings beyond that. There is no contract. You decide when you stop without any penalties. At that point if you upgrade, you will get access to the full platform of additional courses and many other perks described in table above. I want you to feel comfortable that there are no traps or I “gotcha” moments. There are no additional services on the site or no other advertising on the site.\nThe only other fee I had was opting to get my own domain name from GoDaddy for $27 for 2 years. You can use the free websites and don’t have to get your own. I chose not to use the websites they offered for free because I wanted a “.com” website extension instead of “.siterubix.com” which is wealthy affiliate free hosting platform; that was just my personal preference.\nBasically if you eventually upgrade to yearly option, for $1 per day, you will receive unlimited training, and community support that can add an additional income source and create passive income with the potential to exceed your income from your primary job.\nThe bottom-line is you don’t have to upgrade to premium or yearly. You can just stick with the starter course to find out what this program is all about and never go any further and never pay anything. That is the beauty of this program. You can get your feet wet and decide if you are willing to put in time. This may not be for you or it may not be the right time for you, and you can decide without spending any money.\nYou will also learn through this course, who you really want to help (your niche/audience) or what your footprint will be on the internet. You will create a website(s), blog and educate your niche audience, drive traffic to your website, then monetize your website and get paid. It is simple but it requires time. You can go at your own pace with this training. You will benefit in so many ways beyond financially because you are literally creating your online business and learning as you create it; it is an exhilarating feeling. You will have a wealth of resources at your hand and a community of people supporting you.\nOne last comment. You can try to learn about affiliate marketing for free on your own by searching the internet or reading books, but it makes sense to take advantage of the free offering from this program. You have nothing to lose, and at the very least, you will gain more knowledge about affiliate marketing and build a website. Click below to get started.", "domain": "economics"}
+{"url": "http://customhomebuildernh.com/cmg/kitchen-remodeling-costs-nh.html", "date": "2018-08-15T18:30:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-34/segments/1534221210249.41/warc/CC-MAIN-20180815181003-20180815201003-00106.warc.gz", "language_score": 0.9365554451942444, "token_count": 365, "dump": "CC-MAIN-2018-34", "global_id": "webtext-fineweb__CC-MAIN-2018-34__0__35096924", "lang": "en", "text": "Reasonable Kitchen Remodeling Costs For NH\nIf kitchen remodeling costs have got you worried, have no fear.\nCedar Mill Group maintains a low pricing to our remodeling services to better facilitate your New Hampshire home improvement. You deserve to have an affordable redesign that you feel comfortable with, and that you have a hand in developing. The Cedar Mill Group Advantage lets you see an in-depth design of your future kitchen, and we will work closely with you to keep costs low and ensure you’re getting exactly the look you want.\nThe Cedar Mill Group Advantage\nOur overall strategy is geared toward saving you money by offering the latest in energy-efficient capabilities and features, which promotes your own lowered expenses over time. It is our goal to provide you with a remodeling that supports you and your needs, and part of that is helping you obtain lowered pricing for your utilities.\nFor New Hampshire’s leading kitchen remodeling services across Amherst, Bedford, Bow, Concord, Henniker, Hopkinton, and Loudon, put the Cedar Mill Group Advantage to work for you. By working with us, you have the perfect opportunity to get the remodel to your kitchen you’ve been hoping for, while keeping it within your price range.\nGet A Remodeling Quote For Your Kitchen Today!\nFinding kitchen remodeling costs that work best for your budget can be a challenge. We guarantee to meet whatever requirements you have in the use of your kitchen, and we’ll keep you alert regarding the entire process. Call Cedar Mill Group today at 603-225-6911 for a free consultation regarding our low costs for kitchen remodeling. You won’t be disappointed, and we will give you the kitchen you’ve always wanted.", "domain": "economics"}
+{"url": "https://integration.works/2023/04/17/inflation-and-the-software-cost-rises/", "date": "2023-06-10T06:37:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224657144.94/warc/CC-MAIN-20230610062920-20230610092920-00363.warc.gz", "language_score": 0.9279638528823853, "token_count": 1005, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__69997905", "lang": "en", "text": "As we continue to fall into recession, inflation, and high-interest rates; most large software vendors have announced significant price increases for 2023, of up to 25%. While some price increases are justifiable, Gartner believes the announced price hikes are a sales tactic, and CIOs must utilise solid negotiation strategies to analyse the fairness of vendor proposals.\nTo look into the historical data for the past two years and the future outlook; 2022 registered an 8.75% rate of global inflation, a significant increase from 4.7% in 2021, while 2023 started with a 6.52% global inflation rate showing some positive signs for the future. The slowing worldwide economy will likely bring the yearly global inflation rate down to roughly 4% in 2024.\nWhen inflation increases, banks raise interest rates to encourage everyone to spend less and save more. Theoretically, this should reduce demand for goods and services to help contain inflation. The downside is that most software vendors will be impacted. Low revenue will inevitably lead to significant pressure and price increases.\nHow have the vendors responded to the economic challenge, and what are the latest price changes?\n- Microsoft increased prices on their main Business and Enterprise plans from 9% to 25% in Mar 2022 and again by 9% on the 1st of April 2023.\n- After almost ten years without a price increase, starting with 2023, SAP increased the cost for existing support agreements by 3.3%.\n- Oracle increased the cost of support agreements by 8% in the USA at the end of last year, and scheduled increases around the world for countries where inflation reached record levels. They have also recently changed the licensing model for Java entitlements leading to a significant price increase.\n- IBM announced price increases of 5-24% for new license transactions starting with Jan 2023. They were aligned to different currencies and unique local market dynamics for select countries.\n- And the list continues.\nKnowledge is Power\nUnderstanding how these price increases affect you as a client is essential. Typically, if the increase is applied to your existing support agreements, it will significantly impact your business. However, if the increase is applied to new license purchases, you will see the impact only when purchasing additional entitlements.\nDespite being affected by significant financial challenges and going through major restructures and layoffs, most organisations continue to increase their spending on digital transformation projects. However, economic instability is reshaping the technology investments increasing and reducing the expenditure in various areas of the business.\nGartner’s Latest Forecast\nAccording to Gartner’s latest forecast, worldwide IT spending is projected to total $4.6 trillion in 2023, an increase of 5.1% from 2022.\nNew spending continues to shift to cloud options, with an expected growth of 11.3% in 2023.\nWhen faced with significant investments in digital transformation programs, clients must ensure they get real value for their investment. The massive price increases of the software will lead to an increased total cost of ownership. Clients must ask the vendor to provide a cost breakdown and leverage the data from economic indicators to question any significant yearly increases. Information about inflation, interest rates, and wage trends will help better understand the situation.\nAlways assess alternative vendors\nOrganise an ‘Options Analysis’ paper to include a review of\n- Platform capabilities\nRequest the licensing cost breakdown and organise a cost-benefit assessment\n- Ensure you are utilising the software you are purchasing.\n- Do not accept ‘first-year free’ buys. This software will be chargeable in the following years – and sometimes the charges are significant.\nReview your architecture and optimise your deployments\nOur experience has shown that you can save up to 21% on software costs by optimising your deployments.\nAssess the possibility of moving to a third-party provider\nIf the increase is applied to your existing support agreements.\nNegotiate flexible contractual terms\nFocus on licensing terms, multi-year commitment, and volume usage.\nChallenge the vendor\nWhen significant price increases are applied, challenge the vendor.\nThey must back up their decision with financial data.\nDon’t accept generic responses. Any price increase must be justifiable with detailed data.\nLeverage research studies with economic indicators\nThere are plenty of good resources.\nFocus on solid negotiation tactics\nDo the research: organise a BATNA/WATNA analysis.\nWhen you partner with IntegrationWorks, we ensure you get the value you need for the price that is right for your business. More value and less investment, the reassurance and skills you need at the right level.\nIf you are interested in having an in-depth conversation about how to save costs with your next license transaction, and transform your business through integration, get in touch with us today.", "domain": "economics"}
+{"url": "https://gobatri.com/pages/refund-policy", "date": "2023-09-25T22:40:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510100.47/warc/CC-MAIN-20230925215547-20230926005547-00532.warc.gz", "language_score": 0.9215852618217468, "token_count": 118, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__29863496", "lang": "en", "text": "Return & Refund Policy\nWe guarantee your satisfaction on our power banks, and will refund your purchase price within 30-days from the date of purchase as long as the following conditions are met:\nMust provide proof of purchase via receipt or order number\nIn line with industry standards, personalized merchandise is not returnable or refundable, except for warranty repair/replacement due to product failure. In this case, the replacement will be a non-customized gobatri power bank.\nOnce final artwork is approved and production begins, orders can no longer be cancelled.", "domain": "economics"}
+{"url": "https://www.margaretpetersen.com/fees-insurance", "date": "2023-03-21T02:30:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943589.10/warc/CC-MAIN-20230321002050-20230321032050-00534.warc.gz", "language_score": 0.9274423122406006, "token_count": 341, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__265540378", "lang": "en", "text": "$190 per 60-minute session for individuals, couples, and families. I accept payment in check, cash, credit card, Venmo, and HSA cards at the time of our session.\nIf you'd like to use your insurance for psychotherapy or couples counseling, please note that I am an \"out-of-network provider.\" This means that you would pay my full fee at the time of our session and upon request, I can provide you with an invoice that you can submit to your insurance company for possible reimbursement.\nServices may be covered in full or in part by your health insurance or employee benefit plan. Please check your coverage by asking the following questions:\nGood Faith Estimate\nUnder the law, health care providers are required to give clients who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services.\nYou have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services.\nYou can ask any health care provider you choose for a Good Faith Estimate before you schedule a service, or at any time during treatment.\nIf you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate.\nFor more information about a Good Faith Estimate, you can visit https://www.cms.gov/nosurprises.\nI welcome you to give me a call at 925.520.5263 or email me to see if we might be a good fit for your concerns.", "domain": "economics"}
+{"url": "https://www.armadalecellars.com.au/All-Products/Jean-Pernet-Brut-Tradition-NV-12-x-750ml.aspx", "date": "2018-09-24T11:51:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-39/segments/1537267160400.74/warc/CC-MAIN-20180924110050-20180924130450-00121.warc.gz", "language_score": 0.861196756362915, "token_count": 376, "dump": "CC-MAIN-2018-39", "global_id": "webtext-fineweb__CC-MAIN-2018-39__0__73257451", "lang": "en", "text": "$45 per bottle in a straight dozen\n$50 per bottle in a straight six-pack\nSave up to $120 off shelf price!\nNestled in the heart of one of the Champagne region's great villages, Le\nMesnil-Sur-Oger, Jean Pernet is the source of high quality, hip-pocket\nfriendly, Chardonnay-dominant Champagnes. Those who have bought Jean\nPernet before will know just how good it\nis. Forget big brands like Mumm and Moet, Jean Pernet Brut\nTradition NV is the 'real deal'.\nWe are about to welcome a new shipment of Jean\nPernet. As ever, Armadale Cellars mailing list members have\nfirst opportunity to secure a case or two of this superb Champagne\nat very keen pricing.\nBuy now and pay just $45 per bottle\nfor orders of a dozen bottles. That's a saving of $120 off the\nshelf price. Effectively, we're throwing in two bottles free\nIf you're after a straight six-pack, we'll still knock a fiver off\nthe shelf price. You pay just $50 per bottle. Dollar\nfor dollar, this has to be one of the best Champagne\ndeals in Australia today.\n(RRP - $55 per bottle Offer price - $45 per bottle in a\nPale silvery yellow in appearance. Fine, persistent bead with\nvery small bubbles. Alluring nose of apple, lemon zest and\ngrapefruit. Dry, elegant and fine. Very pure and clean, with\nnotes of orchard fruit and citrus. Finishes long with a\nyeasty/biscuity twist. Serious Champagne for the money.\nArmadale Cellars tasting note", "domain": "economics"}
+{"url": "http://www.abcaudit.it/en/abc-audit-2/", "date": "2023-09-26T13:38:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510208.72/warc/CC-MAIN-20230926111439-20230926141439-00237.warc.gz", "language_score": 0.9808894395828247, "token_count": 168, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__48327592", "lang": "en", "text": "Audit & Business Consulting s.a.s. is located in Rome and has as its business purpose the organization of accounting and the audit and certification of financial statements. The firm was founded in 1991 with the intention of offering a high-quality service through personnel with profound technical and professional knowledge, as well as considerable flexibility.\nThe Firm is authorized to offer this activity by decree of the Ministry of Industry, Commerce and Artisanship, together with the Ministry of Justice. Upon introduction of Legislative Decree Nr 88, dated 27 January 1992, the Firm was subsequently included in the registry of audit firms currently maintained by the Ministry of Justice in accordance with Ministerial Decree of 13 June 1995, published on 16 June in Fascicle 46 Bis of the Fourth Special Series of the “Gazzetta Ufficiale”.", "domain": "economics"}
+{"url": "https://www.geoffhobbsuk.com/", "date": "2023-12-05T02:09:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100540.62/warc/CC-MAIN-20231205010358-20231205040358-00252.warc.gz", "language_score": 0.8782263994216919, "token_count": 433, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__80815358", "lang": "en", "text": "Business & Investment Energy Product Advice\nMarket Experts. 30 years of Business and Investment Advice on Decarbonisation and Net Zero Industry Transformation.\nGeoff Hobbs and Partners provide up-to-date, unbiased advice for international investors and manufacturing OEMs. Specialising on decarbonisation (phasing out of fossil fuel burning appliances) in the heating and hot water sectors. We also provide advice to the nuclear sector.\nOur Experts Offer\n- Country-specific market data (market sizes, competitors and product analysis)\n- Market channel analysis\n- Current trends and future forecasts and emerging opportunities\n- New and emerging renewable technology\nWhere We Specialise\n- Electric Heat Pumps (ground and air Source)\n- Heating Boilers (natural and hydrogen gas, LPG and oil)\n- Hybrid and District Heating Systems\n- Hot Water Systems (Tankless, storage, and cylinders)\n- Residential and Commercial Markets\n- Venture Capital and Private Equity Investors\n- Investment Management Firms\n- Large OEM Businesses and International Corporations\nGeoff Hobbs and Partners Recent Projects Include\n- Technical due diligence consultants in the purchase of HVAC, OEM with €1+ billion T/O\n- Various in-depth assignments, European market, Japanese, USA, and Chinese clients.\n- Numerous In-depth reports on Gas / Hydrogen boilers Vs Electric Heat Pumps.\n- Project Lead, interviewing global experts, synthesise and client board presentation.\n- Assisted clients in negotiating exclusive European distributor agreements.\nGeoff Hobbs Profile\nOver 30 years of experience in the heating sector. Geoff Hobbs has been a director with several sector-leading international brands, including Bosch Thermotechnology Europe, Worcester Bosch, Dru and the Rinnai Corporation; he has also held Non-executive Directorships with Coram International and ICOM Energy. Geoff Hobbs has exceptional international experience, including holding multiple director-level positions in Europe since 1986 and attending board meetings in Japan for over 15 years. Geoff Hobbs has also represented the heating industry’s interests at the UK and European levels.", "domain": "economics"}
+{"url": "http://2009.eac4amitans.eu/3.html", "date": "2023-09-25T14:22:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233508977.50/warc/CC-MAIN-20230925115505-20230925145505-00199.warc.gz", "language_score": 0.8229291439056396, "token_count": 260, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__246345479", "lang": "en", "text": "The registration fee for the conference is 180 EURO (or equivalent in dollars or leva) without postal expenses and covers the conference materials, welcome party, coffee breaks, office rent and equipment, and proceedings. It should be paid via bank transfer or credit card after acceptance and approval.\nIt should be transferred to the one of the following bank accounts (in leva, euro, or dollars):\nCentral Cooperative Bank Plc,\nbranch “Yug\", Bulgaria, 1612 Sofia, 23 Emine str.\nin BGN IBAN: BG30 CECB 9790 10A2 1786 00\nin EUR IBAN: BG44 CECB 9790 14A2 1786 00\nin USD IBAN: BG82 CECB 9790 11A2 1786 00\nBIC: CECBBGSF SWIFT: CECBBGSFXXX\nBeneficiary: DZZD “Euro-American Consortium for Promoting the Application of Mathematics in Technical and Natural Sciences”\nParticipation fee for conference 1st AMiTaNS’09\nFor the convenience of the participants that are unable to make a bank transfer or a credit-card payment, a limited facility will be provided to pay in cash upon arrival.", "domain": "economics"}
+{"url": "http://stmaryland.com/about-us/leadership/mark-mueller", "date": "2017-04-28T11:59:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917122955.76/warc/CC-MAIN-20170423031202-00145-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9747450947761536, "token_count": 245, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__56552048", "lang": "en", "text": "Mr. Mueller joined SM Energy in September 2007 as senior vice president. He was appointed the regional manager of the Rocky Mountain Region effective January 1, 2008.\nFrom September 2006 to September 2007, he was vice president and general manager at Samson Exploration Ltd., an oil and gas exploration and production company that was a subsidiary of Samson Investment Company, in Calgary, Canada. His responsibilities included fiscal performance, reserves, and all operational functions of the company. From April 2005 until the company sale in August 2006, Mr. Mueller was vice president and general manager responsible for all business units and the eventual sale of the company for Samson Canada Ltd., an oil and gas exploration and production company that was a subsidiary of Samson Investment Company. He joined Samson Canada Ltd. as project manager in May 2003 to build a new basin-centered gas business unit. He was vice president from December 2003 to August 2006.\nPrior to joining Samson, Mr. Mueller was west-central Alberta engineering manager for Northrock Resources Ltd., a Canadian oil and gas company, a wholly owned subsidiary of Unocal Corporation, Calgary, Canada. From 1986 to 2003, he held positions of increasing responsibility in engineering and management for UNOCAL throughout North America and Southeast Asia.", "domain": "economics"}
+{"url": "https://m.skyagriexport.org/company-profile.html", "date": "2022-08-11T06:17:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882571234.82/warc/CC-MAIN-20220811042804-20220811072804-00696.warc.gz", "language_score": 0.9145147800445557, "token_count": 431, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__112618658", "lang": "en", "text": "The Sky Agri Export (SAE) is a business venture by young technopreneurs, having their roots in the farmlands of Gujarat, the business, and the industrial state of India. The team of young, dynamic, highly qualified entrepreneurs having a profound understanding of this business due to our deep involvement in farming culture inherited for several generations. Since its inception in 2012, the company is involved in the manufacturing and processing of diversified agro-based food products in the domestic and international markets. At present, the company stands amongst the forefront league in the market for manufacturing and export of agricultural commodities fresh from the farm (onion, garlic), dehydrated products (onion, garlic, carrot, tomato, etc.), different variants of Indian spices (red chilies, turmeric, ginger, cumin seeds, onion powder, fenugreek seeds, mustard seeds, and other Indian spices), and oil seeds (peanut, sesame, and castor seeds).\nBecause of our sincere efforts, quality consciousness, timely execution of deals, and client satisfaction, SAE has established excellent business relations with several domestic and international clients within a short span of time. The Sky Agri Export has multiple credentials under its name and has also been certified or accredited by various esteemed national and international agencies for the quality and process standards.\nManufacturing, warehousing, and packaging facilities\nNature of Business\nManufacturer, Exporter and Supplier\nMahuva, Gujarat, India\nYear of Establishment\nOriginal Equipment Manufacturer\nMonthly Production Capacity\n500 Metric Ton\nNo. of Employees\nINR 10 Crores\nImport Export Code\nManufacturing Unit Address: R.S.no.129p1p Haripara Road Nana Jadra, Mahuva, Bhavnagar, Gujarat, 364290, India", "domain": "economics"}
+{"url": "https://workingdraftmagazine.com/the-resale-revolution/", "date": "2024-04-25T06:43:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712297290384.96/warc/CC-MAIN-20240425063334-20240425093334-00619.warc.gz", "language_score": 0.9675058126449585, "token_count": 5401, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__73153705", "lang": "en", "text": "Listen to the article:\nOn a cool August evening last summer, I was strolling through a flea market in downtown Winnipeg, Manitoba with my two best friends. The market was full of vintage clothing resellers, and I was on the hunt for a leather bomber jacket. While pushing through the crowd, something caught my eye.\nI stopped and stared at the jacket. It was the style I was looking for, an oversized, collared leather jacket in black. I peeked at the tag inside: Italian leather, exactly my size. I slipped it on over my sweater — it fit perfectly.\n“How much is this?” I asked the seller, mentally crossing my fingers for luck. From looking at other vintage clothing vendors that night, I was predicting it to run me almost $100. The seller found the price tag on the jacket and showed me.\nThe thrift gods had spoken.\nFor me, the perfect thrift find ticks four boxes: no one else has it, it’s a little worn in from the previous owner, it fits perfectly, and it’s less expensive than buying the same type of item brand new.\nI’ve always enjoyed thrifting with my friends and searching the racks at shops for hidden gems. But finding that perfect thing became more difficult when the COVID-19 pandemic closed thrift and vintage stores in Winnipeg. The start of the pandemic coincided with the beginning of my TikTok addiction, and I remember enviously watching other thrifters share the amazing pieces they were picking up at their local stores while Winnipeg’s shops were still closed.\nI missed thrifting and wanted to update my wardrobe sustainably. After stumbling across YouTube and TikTok hauls from people thrifting online, I was inspired to enter the world of online second-hand resale for the first time. I started scouring websites like thredUP and Etsy and finding second-hand, one-of-a-kind pieces that became staples in my wardrobe. Buying the exact second-hand items I wanted had never been so easy.\nWhile I had thought of thrifting as a strictly in-person experience, people have been able to buy second-hand clothing online since the beginning of the internet. Selling pre-loved clothes online first started on websites like eBay and Craigslist in the mid-nineties to early 2000s. However, it wasn’t until the early 2010s that websites dedicated to helping people buy and sell their new or used clothing popped up, said Teen Vogue, who defined the decade as when second-hand shopping online blossomed. Today, sites like thredUP, Poshmark, Depop, and TheRealReal are a part of a resale industry that The Business of Fashion says is growing at five times the rate of overall commerce.\nThredUP’s 2023 Resale Report is one of the most comprehensive reports about the global second-hand market and consumer trends. The report says online resale is the fastest-growing sector of the U.S. second-hand market and is predicted to grow 21 per cent each year on average over the next five years.\nDue to the increasing popularity of online thrifting, more small, local second-hand businesses have grown their online presence. Carjelu Delera of Clothing Bakery, Joanna Przytula of Kildonan MCC Thrift Shop, and Natasha Rey of Nuage Vintage are all founders or employees of Winnipeg-based shops that have created websites and grown their social media platforms to keep up with consumers’ thrifting habits. Brick-and-mortar stores and pop-up shops are adapting with online platforms, showing how trends in thrifting are changing the way we buy second-hand, globally, and locally.\nThe Rise of Online Resale\nJoanna Przytula is a part of the e-commerce and social media team at Kildonan MCC Thrift Shop. What makes Kildonan MCC different from other large thrift stores in Winnipeg is they have a website where they re-sell clothing, shoes, accessories, books, and homeware goods.\n“The plan was to start an online section that we can sell stuff of higher value and attract customers, especially the younger generation, or even people from different parts of the city who would buy stuff from re-sellers,” said Przytula. Once COVID-19 hit, the need to create a website grew. In December 2023, Kildonan MCC’s website Love to Thrift celebrated its three-year anniversary.\n“The idea behind the name was to highlight the passion for thrifting, for repurposing items, and from keeping stuff from the landfill and buying used stuff,” said Przytula. One of Kildonan MCC’s goals for 2024 is to promote upcycling. They want to inspire customers to create something new from their purchases or highlight the skills of their employees and volunteers who repair or upcycle donated items. Kildonan MCC has a curated section called Re-imagine in their store, which is dedicated to highlighting and selling upcycled items, and they have a “repurposed” section on their website where they transform donated items into something new.\nIn the global second-hand market, many large brands have started their own online resale programs. These programs allow customers to buy and sell pre-loved clothing directly from a brand rather than from a third-party seller or marketplace. According to Trove, a company that helps brands extend the life of their products, clothing companies like Eileen Fisher and Patagonia have been running resale programs since the early to mid-2010s. ThredUP’s “The Recommerce 100 report” found a huge growth in the industry between 2021 and 2022 resulted in over 163 brands now having resale programs. Among this list are brands like Shein and Zara, fast fashion giants known for cheaply made clothing and poor environmental practices who are likely using their resale programs for greenwashing. Good on You, a company that analyzes the sustainability of fashion brands, advises avoiding these brands at all costs.\nMany brand’s resale programs work like Patagonia’s “Worn Wear” program, which has been a leader for online clothing recycling since it started its program in 2011 on eBay. Customers can trade in their used Patagonia items for a store credit to buy a used item or something brand new, or they can send in their damaged product to Patagonia to get it fixed by a repair tech. However, brands with resale programs are still struggling to get consumers to use them to offset the damaging effects of clothing production on the environment, or to make a profit. According to an article by Bloomberg Businessweek, second-hand clothing only accounts for up to five per cent of overall revenue for brands who have invested the most time and marketing into their resale programs. The article suggests retailers list used and new items together on their websites — instead of separating pre-loved products — to encourage customers to buy second-hand.\nThredUP’s 2023 Resale Report predicts the growth of the second-hand market in the 2020’s will be because of shoppers buying second-hand for the first time. Of consumers making up the second-hand market in the U.S., 40 per cent are estimated to be existing second-hand shoppers while 60 per cent will be new to purchasing second-hand. Two-thirds of these shoppers are expected to be Gen Z and Millennials due to their purchase-power increasing as they age.\nWhile thrifting has traditionally been popular among teenagers and young adults, Gen Z brings a different perspective. According to Forbes, Gen Z is the generation most concerned with global warming and is the group adopting the most sustainable consumer behaviors. As a member of Gen Z and a fashion lover myself, buying new clothing has always been an exciting, yet anxiety-inducing experience. I’m torn between wanting to express myself with clothing, but also not wanting to contribute to destroying our planet. Purchasing quality, thrifted pieces that will be in my wardrobe for many years to come from second-hand sources allows me to be creative while not feeling guilty.\nGen Z is also a generation growing up with an incredibly high cost of living, with the affordability crisis in Canada predicted to continue in 2024. In McKinsey & Company and BOF’s (Business of Fashion) The State of Fashion 2024 report, inflation is anticipated to negatively impact the fashion industry, with a decrease of unnecessary spending expected in 2024. The online second-hand market not only allows younger generations to buy affordable clothing, but it also provides an easy and low-cost way for them to make money. For example, Depop is a marketplace app predominantly used by Gen Z, according to their Gen Z report, and Depop says they have helped sellers on the app make over $2.5 billion.\nAnnika Scheelar is a Gen Z college student from Winnipeg who started selling her clothes on Instagram and Facebook Marketplace in 2020 when thrift stores were closed. She has sold over 500 items on her Instagram @windsorparkthrifts, which has over 1500 followers. She started selling clothing from her family, friends, and her own closet, and pieces she found at thrift stores once they re-opened after the pandemic. Scheelar thrifts in person and online, including on Kildonan MCC’s website.\n“I would like to say that 95 per cent of my closet is second-hand,” said Scheelar, who started buying second-hand clothing at age 13. “I wanted to wear the brands and stuff that other kids were wearing, but I realized I didn’t have the money to buy that.” She was also inspired to thrift by YouTubers like Emma Chamberlain, Alexa Sunshine83, and Haley’s Corner, who all create content about buying second-hand.\nNow, Scheelar says she shops second-hand to find unique, affordable, and quality vintage pieces, and because its more sustainable.\n“Over the years, I’ve looked into how clothing is made, the environmental impact it has, and how workers are treated that are making these clothes,” said Scheelar, who’s concerned about overconsumption. “That’s been a big thing, realizing how much [clothing] is in the world and wanting to buy second-hand, even if that makes a drop of a difference.”\nNatasha Rey is the founder of Nuage Vintage, a vintage store that combines her French and prairie-inspired style into curated timeless pieces. Rey says her audience is mostly women and non-binary people from their late teens to mid-thirties.\n“That’s why I like to keep my prices really reasonable, because usually those people are maybe having to start their career and don’t want to have to spend a ton of money on expensive clothing,” says Rey, who sells her clothing on her website and does pop-ups and markets with her vintage 1968 Boler trailer in the summer. Wanting to combine her love for fashion and her drive to be a business owner, Rey started Nuage Vintage after graduating college, allowing her to be her own boss and test out different ideas for marketing and content creation. In December 2023, Nuage Vintage was featured in Elle Canada for being one of Canada’s coolest second-hand stores.\nCarjelu Delera, co-owner of the streetwear-inspired vintage store Clothing Bakery in Winnipeg’s Exchange District, has been a part of the online resale market since high school, when he and his friends would resell their old clothes on Instagram.\n“We were just trying to figure out how we could make money, as we could not work regular part-time jobs,” said Delera. “We saw an Instagram page where they were selling their own clothes and we said, ‘Why don’t we do that?’ So, we started selling our own clothes, and once our old clothes ran out, we started thrifting, and we just kind of built from there.”\nFive years later, he and his business partner have turned their clothing resale business into a popular website and storefront. While Clothing Bakery’s vintage streetwear style pieces are nostalgic for Delera’s older customers, he often sees teenagers and young adults in his store. Delera credits Clothing Bakery’s TikTok page for bringing in new, younger customers to their shop.\nThrifting on TikTok\nThriftTok is a community on TikTok where users post and watch what other people have discovered at thrift and vintage shops. Hashtags like #thrifthaul now have over 400,000 posts and 4.5 billion views, while #thrifted has 1.1 million posts and 11.9 billion views.\nFashion trends that gain popularity on TikTok influence trends in thrifting, and vice versa. Many of these trends are what TikTok users call an “aesthetic,” which Time magazine describes as a “catch-all term for Gen Z, encompassing moods, feelings, and subcultures around which people can find link-minded users online.” A few popular aesthetics have gone viral on the app in the past year, such as ballet core, coastal cowgirl, and eclectic grandpa. One trend taking over TikTok right now is the mob wife aesthetic. Many credit this trend to the resurgence in popularity of the TV show The Sopranos and as a rejection of the minimalist, clean girl aesthetic. Now TikTok users are running to their local thrift stores to purchase fur coats, leopard print, and leather. There is even a “mob wife aesthetic mystery style box” made up of second-hand clothing available for purchase from user @krisrandall on Poshmark.\nRey attributes these niche trends to an overall trend of individualism she has seen grow in the thrifting community since creating Nuage Vintage. TikTok users are taking inspiration from each trend to create their own individual style, and rather than buying fast fashion, they’re turning to second-hand clothing to express themselves. Instead of listening to what large brands are telling them to wear, TikTok users are more influenced by their peers.\n“People are really passionate about finding what their style is, and I think they find their own style by shopping vintage and second-hand because they’re not being told what to wear,” said Rey. “You can walk into Zara and see what the mannequins are wearing and say, ‘This is what I’m going to put on.’ But I think there’s a trend where people want to figure that out for themselves and what works best with their body type and how they want to present themselves.”\nStyle bundles are another popular trend taking over ThriftTok. Style bundles are items or capsule wardrobes of second-hand clothing curated by re-sellers or vintage shops, specified to the customers sizes, preferences, and style. Style bundles are not only a sustainable way to buy clothing, but they also make curated second-hand more accessible for everyone. Many resellers have style bundle options for different budgets, and they often ask customers for their clothing measurements. Resellers can also curate second-hand clothing for people who may have mobility or health issues that make it difficult for them to thrift in-person.\nRey brought back her style bundles after seeing how popular they were becoming on social media. In November 2023 she re-launched this service, and the bundles sold out within an hour.\n“When someone places an order through the website, they fill out a questionnaire that I’ve prebuilt so they can tell me about the type of clothes they like to wear or what they’re looking for,” said Rey. “They can tell me who their style icons are based on a Pinterest board or any fashion blogs they really like.” Customers also choose how many pieces they want in their bundle.\n“Because I’ve been doing this for a little while now, and I’m in the French community, I often get phone calls from elderly people who are wanting to sell their vintage clothes,” said Rey. “So sometimes I get it right from the source, which is really cool.”\nI wanted to try out a style bundle for myself. However, I found it hard to order from TikTok creators who are known for this service. Popular style bundle curators on TikTok like Erica Lubinic, Esme Carpenter, and Elizabeth Venter have “sold out” of their bundles after reaching their capacity of clients, or have wait times of up to six months to order a bundle.\nAfter searching TikTok, Instagram, and Google for two hours, I finally found Elizabeth O. Vintage, a vintage clothing storefront and online shop from Penticton, British Columbia that offers curated style bundles. I paid $65 for four pieces. A day after placing my order I received an email directly from Holly, the owner of the store, and they asked for my sizes and measurements, style preferences, and any inspiration I have for my bundle. While some sellers can take up to two months to curate and send a bundle, Elizabeth O. Vintage guarantees it will be shipped in two weeks.\nWaitlists, price, shipping cost, the seller’s estimated timeline to create the bundle, and making sure the seller is credible are important things to consider when ordering a style bundle. I recommend checking the seller’s website or social media to see what kind of bundles they make or reading their reviews to ensure they’re legitimate. It was a long process to find a style bundle seller that checked all these boxes.\nThrifting Should be Affordable, Right?\nNew sustainably made clothing is often expensive, but buying second-hand is an option for environmentally conscious people to update their wardrobe at a lower cost. However, resellers and shops have started to hike up their prices, making buying second-hand less accessible.\n“I think there’s definitely more resellers popping up, which is cool, because that means there is more demand,” said Rey. “The thing I really don’t love seeing is people hiking up their prices, when having been in the industry for a couple years. I know how much they probably pay for it.”\nWhile Rey takes a very selective approach to her collection, ensuring she’s picking high-quality pieces she would wear, she has noticed many resellers picking and upselling a random collection of styles to make more money.\n“Of course, you’ve got to have your margins. But I think for me, I want people to afford shopping second-hand, that’s the first reason I’m doing this,” said Rey.\nPrzytula says Kildonan MCC has gotten pushback on their social media for the pricing of their vintage items, but says these higher priced vintage items are things people want, not need.\n“The idea behind online, the boutique, and our vintage lane — those items are your wants. We still sell items that are your needs for people who need a t-shirt, winter jackets, dishes, they can still buy these items for cheap,” she said.\nHowever, when customers are shopping curated vintage stores, or buying style bundles, they’re not just paying for the clothing. They’re also paying for the many hours it takes curators to search for specific items, sizes, and quality pieces. For example, it can take Rey from six to ten hours to curate one style bundle, as she searches through her own collection, scours local thrift stores or websites like eBay or Facebook Marketplace, or buys items from other vendors.\nThe Fast Fashion Takeover\nFor those searching for affordable thrift finds, the good — and bad — news is that we’re not running out of clothing in thrift stores anytime soon. Approximately 80 to 150 billion new items of clothing are produced each year. One reason the exact number is unknown is due to gaps in the data of how many products clothing brands are making. According to British Vogue, mega-brands like Zara, Shein, and H&M have not shared the exact number of items they produce. Business Insider reported that Zara produces 450 million garments per year, while Shein releases 6000 new styles a day.\nResearchers from the University of Waterloo and Seneca Polytechnic found that Canadians alone get rid of around a billion pounds of clothing and other items made from fabric each year. While only 20 per cent of these garments end up recycled, thrift stores are still struggling with the sheer number of items they receive. The book Secondhand: Travels in the New Global Garage Sale by Adam Minter details how thrift stores need more time and employees to sort through clothes and are running out of storage and floor space for donated items, forcing them to find ways to get rid of excess product.\nWhen I visited Kildonan MCC to interview Przytula, I went on a tour of the back of the thrift shop where donations were sorted and stored. With boxes of items piled up to the ceiling, and many racks of clothing still needing to be organized, it was shocking to see how much inventory a single thrift store in Winnipeg has. However, their inventory does not have the number of quality pieces their store once saw. Przytula has worked at Kildonan MCC for six years, but lately she has noticed an undeniable increase in fast fashion donations.\n“We can talk about not supporting fast fashion and trying to buy your stuff from the thrift shop, but unfortunately more and more items that are donated are from Shein, Fashion Nova, and Zara,” said Przytula, who tries to avoid selling fast fashion on Kildonan MCC’s website.\n“The quality is worse. A lot of the longevity of these products will be shorter than your t-shirt from 20 years ago that’s 100 per cent cotton. You touch the fabric and then you know its Shein,” said Przytula.\nPeople are buying and discarding new clothing more than ever. McKinsey & Company found the amount of clothing purchased has increased by 60 per cent, while consumers only keep clothing half as long as they used to. Many consumers believe buying and donating clothing at a rapid pace is okay because their donated clothing will stay out of landfills and go to someone who needs it. However, Canadian non-profit Fashion Takes Action found that only 25 per cent of clothing donated in Canada is sold to local customers. What isn’t sold in Canada is shipped to Asia, Latin America, Eastern Europe, or Sub-Saharan Africa, which has negatively affected developing countries’ textile markets, and resulted in clothing being dumped in their landfills.\nClothing Bakery buys most of its inventory from a wholesaler who owns a warehouse with second-hand clothing from Canada and the United States. Delera has a weekly video call with the wholesaler, where he chooses which items he wants for his shop.\n“A big issue is that they’ve been getting a lot of newer stuff because it’s harder to find vintage,” said Delera.\nAnother reason curated vintage is becoming so popular is thrifters are struggling to find quality, vintage pieces in thrift stores. According to the thredUP 2023 Resale Report, the biggest motivators for consumers to buy second-hand are value and quality. The 2023 Resale Report from TheRealReal, an online luxury resale service, shows customers of all ages are willing to spend more money on items of higher quality. If thrift and vintage stores are full of fast fashion and micro-trends, how are consumers going to buy one-of-a-kind quality pieces?\n“That’s the convenience we bring to the table,” said Delera, “Stuff that [the customers] like and want is all in one place, so it’s just easier for them.”\nThe Future of Second-hand Fashion\nAs I walked up the icy path to my house, I noticed a package on my front steps — my style bundle had arrived! I brought it inside, sliced open the tape, and peeled back the white tissue paper. Placed on top of my clothes was a note from Holly, the store owner, explaining the choices behind each piece. The Pinterest board I sent Holly was inspired by my upcoming trip this spring, and it included many long flowy dresses, floral patterns, and fabric for hot weather. I undid the bow wrapped around the clothing and pulled out the first piece, a gorgeous pink floral dress. Holly and I had worked together over Instagram DMs to choose the four pieces I wanted, and for $65 I received two dresses, a tank top, and a vest. I tried on each piece, and all of them fit perfectly and were exactly like the pieces I had envisioned for my trip. If buying second-hand clothing online is this easy, affordable, and fun, there’s no reason to continue buying fast fashion.\nIt looks like the future of second-hand fashion will be a combination of both online and in-person thrifting. The online resale market is expected to grow, but in-person thrifting is not stopping any time soon. Clothing trends may come and go, but second-hand is here to stay.", "domain": "economics"}
+{"url": "http://habitat-verde.com/cua.html", "date": "2023-12-09T07:50:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100873.6/warc/CC-MAIN-20231209071722-20231209101722-00157.warc.gz", "language_score": 0.9716022610664368, "token_count": 274, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__73737538", "lang": "en", "text": "Click on the image to view the slideshow of a development in Cúa, Miranda State, Venezuela built by the Engineer Augusto Corrales. Sr. Corrales is a developer of larger scale projects, having built more than one thousand houses in the past few years. Two of his trusted engineers worked with our company for two weeks in Barinas, to learn how to build with CEB blocks. Soon afterwards, they built a demonstration house with this system at the site where Sr. Corrales already had constructed 300 houses using cement blocks. Their intention for doing so was:\n1. To determine the present cost of CEB construction in comparison to building with concrete blocks, and\n2. Observe the reaction of potential buyers for this style of construction.\nThe results were totally unexpected: The house built with compressed earth blocks reduced the cost of construction by 20% using the same floor plan and area used previously but with concrete blocks. The overall reduction of cost included using a wood ceiling instead of metal panels and ceramic tile floors instead of concrete floors. The reaction was that people much preferred the new CEB designed house. Sr. Corrales was then obligated to price the CEB house (even though it cost 20% less to build) 15% higher than the concrete block houses because otherwise he would be unable to sell the remaining concrete houses!", "domain": "economics"}
+{"url": "http://www.kiteenterprise.com/", "date": "2024-02-23T04:38:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474360.86/warc/CC-MAIN-20240223021632-20240223051632-00320.warc.gz", "language_score": 0.9638609290122986, "token_count": 529, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__44311876", "lang": "en", "text": "Providing the most unique range of Stainless Steel Kitchenware, Vegetable And Fruit Cutter, Vegetable Slicer, etc., at inexpensive prices.\nThe technology in recent times has upgraded many industries and introduced innumerable products in the market. One such category of products are the kitchenware which are widely used almost everywhere and, we, Kite Enterprise, have been providing the best types of kitchenware in the market. From the year 2012, we have been working as manufacturer and supplier of a various types of kitchenware including Vegetable Chopper, Deluxe Chilli Cutter, Stainless Steel Potato Chipser, Stainless Steel Chakla Belan Stand, Multi Cutter etc. The range of our products provide an ease in carrying out complex kitchen activities. Which is why we have been able to maintain a substantial spot in the market and we further aim to take our company to newer heights in the future.\nIn a manufacturing company, like ours, there are many processes which are needed to be handled in order to cope up with the ongoing demands. Likewise, at our company, we are able to fulfill the high demands with the help of our advanced machinery and equipment. The whole manufacturing process is managed by our highly professional team which carefully monitors every batch of the product to ensure that defect-free kitchenware are being produced every time. At last, every product is well-checked for the best of quality before being delivered to the respective customers.\nFor almost every company to establish themselves in today's fast growing market, it is essential to carry out deep market research, in order to analyze their competitors. This not only helps the company to come up with unique product range but also helps them in being ahead of the others. Similarly in our company, Kite Enterprise, we have a team of highly experienced researchers which carries out periodic market research according to which we manufacture our kitchenware which includes Multi Cutter, Stainless Steel Potato Chipser, Vegetable Chopper, Stainless Steel Chakla Belan Stand, Deluxe Chilli Cutter, etc.\nThe first and foremost plan of action of a company is to form a set of business plans according to which they would be get recognized in the market. Backed by a strong business sense, in our company, we work on the basis of the following business plans which helps us in stand-out in the market:\n- We give high priority to every client who indulges with our company.\n- We execute proper market study to stay updated about the latest market trends.\n- We provide our kitchenware at throw-away prices in the market.\n- We ensure that the orders are timely and securely completed.", "domain": "economics"}
+{"url": "http://www.ycspring.com/en/about/profile.html", "date": "2023-01-28T09:42:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499541.63/warc/CC-MAIN-20230128090359-20230128120359-00363.warc.gz", "language_score": 0.9456055760383606, "token_count": 392, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__116867675", "lang": "en", "text": "Changzhou Kaien Home Furnishings Co.,Ltd. was established in 2007\nLocated at No. 95 Chenfeng Road, Jintan District, Changzhou City, Jiangsu Province, China\nIs a professional manufacturer specializing in mattress production\nAfter years of rapid development, Kane has grown from a small workshop with a production area of 900 square meters to a standard factory building with more than 40,000 square meters, more than 350 employees, and more than 50 international standard machines. It has grown into a professional mattress. manufacturer. The company has a strict management system, strong technical strength, and complete quality inspection equipment and systems. At this stage, the company has set up a separate assembly line to produce different mattress styles, diversifying the products and catering to various countries. The good sales of products benefit from perfect quality and perfect quality assurance system, as well as high-quality raw materials. The products have long been selling well in North America, Southeast Asia, Japan, South Korea, Australia, Israel, UAE, Bahrain and other countries and regions, and have established a good reputation and image in the industry because of their good quality.\nThe mattresses produced by our company use high-quality materials such as high-grade fabrics and high-density sponges. As we all know, springs are the core of mattresses, and each of our springs is heat treated. Computerized embroidery with advanced quilting equipment and various exquisite patterns to choose from. Advanced equipment guarantees the excellent quality of our mattresses. The mattresses produced by our company have a warranty of more than 10 years. Good quality assurance is the biggest demand of our customers.\nThe company produces more than 20,000~30,000 mattresses per month. According to different customer requirements, we can provide customized production.\nKaien sincerely hopes to join hands with the guests of the Quartet to create brilliant and go global!", "domain": "economics"}
+{"url": "https://fabianaclaure.com/building-wealth-as-a-musician-entrepreneur-unlocking-the-power-of-your-creativity-and-expertise/", "date": "2023-11-29T17:46:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100135.11/warc/CC-MAIN-20231129173017-20231129203017-00368.warc.gz", "language_score": 0.9424611926078796, "token_count": 658, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__282228673", "lang": "en", "text": "I’m excited to dive into a topic that’s not only important but transformational—building wealth as a musician entrepreneur. It’s for anyone who wants to unlock the enormous potential for financial abundance through their unique skills and creativity.\nBefore diving deep into the strategies, let’s address the elephant in the room—why does wealth matter? Simply put, wealth is the bedrock that allows us to build other aspects of a fulfilling life. Whether your goal is to create scholarship opportunities, fund a charitable endeavor, or spend more quality time with your family, it all starts with having a solid financial foundation.\nThe Wealth Inside You\nMany people labor under the misconception that to build wealth, you have to work harder and do more. While hard work is commendable, the secret to building wealth lies in solving problems for others through your unique skills, background, and expertise. You already have wealth inside you in the form of your talents, knowledge, and life experiences. It’s about leveraging these to offer something valuable to your ideal clients.\nImpostor Syndrome? You’re Not Alone\nIf you find yourself asking, “Why me? What can I offer that’s different?”, know that you’re not alone. Impostor syndrome can be a significant roadblock. The first step to overcoming it is acknowledging your worthiness and recognizing that you have something unique to offer the world.\nIdentifying Problems and Offering Solutions\nYour pathway to wealth begins by identifying the problems that your potential clients face. What are they struggling with? What’s missing in the current solutions available to them? Once you figure that out, you can create a targeted solution that addresses those issues effectively.\nThe Big WHY\nSo you’ve acknowledged that you’re worthy and capable of building a wealth-generating solution. But there’s another layer to this—the WHY. Your ‘why’ is the driving force that keeps you going even when the going gets tough. Why do you want to build wealth? Is it to provide a better life for your family, create an impact, or achieve something else entirely?\nBuilding wealth isn’t just about accumulating money. It’s about achieving clarity in what you want, leveraging your unique gifts to solve real-world problems, and creating a pathway for financial freedom and impact. If you already have a service that you’re offering—be it teaching music, helping with performance anxiety, or running a studio—the principles remain the same.\nSo, let’s continue the conversation. I’m eager to hear from you. Share your thoughts in the comments below on what wealth means to you, why it’s important, and how you’re planning to achieve it.\nIf you would like to chat with me or a member of my team about how we can work together to accomplish your wealth building, click here to schedule a free growth strategy audit so we can dive deep into your situation and see how we can best support you. Here’s to ditching the ‘starving artist’ stereotype and embracing our potential as empowered musician entrepreneurs!", "domain": "economics"}
+{"url": "http://asucd.ucdavis.edu/government/executive/controller/", "date": "2015-04-26T08:11:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-18/segments/1429246654114.44/warc/CC-MAIN-20150417045734-00026-ip-10-235-10-82.ec2.internal.warc.gz", "language_score": 0.9031102657318115, "token_count": 331, "dump": "CC-MAIN-2015-18", "global_id": "webtext-fineweb__CC-MAIN-2015-18__0__34024127", "lang": "en", "text": "Welcome to the page of ASUCD Controller Chandler Hill\nAbout the Controller\nThe ASUCD Controller is responsible for drafting and implementing the $11.8 million ASUCD Budget. As the primary financial adviser to the ASUCD President and the ASUCD Senate, the Controller also recommends policies to improve ASUCD’s commercial operations and general business practices. In addition, the Controller works closely with the ASUCD Business Manager in overseeing the units of the Association, monitoring spending, and keeping Unit Directors’ spending within their allocated budgets.\nYou can find the ASUCD Operating Budget here.\nThe Controller serves as member on the following:\n-ASUCD Internet and Networking Committee (INC), Chairperson\n-ASUCD Unit Relocation and Space Allocation Committee (URSAC), Chairperson\n-Club Finance Council (CFC), Ex-Officio Member\n-Health Fee Oversight Committee (HFOC), Student-Member\nThe Controller serves as an ex-officio member on the following:\n-Campus Council for Information Technology (CCFITT), ASUCD Representative Member\n-Campus Unions and Recreation Board (CURB), Member\n-ASUCD Business and Finance Commission, Ex-Officio Member\n-ASUCD Internal Affairs Commission, Ex-Officio Member\nThe Controller also carries out projects, which currently include:\n-ASUCD Financial History\n-ASUCD Entrepreneurship Fund\n-ASUCD Budget Website\nChandler can be reached by email at firstname.lastname@example.org.", "domain": "economics"}
+{"url": "http://zsaoer.com/transport-2.html", "date": "2022-05-19T05:52:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662525507.54/warc/CC-MAIN-20220519042059-20220519072059-00514.warc.gz", "language_score": 0.9406198263168335, "token_count": 381, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__129055709", "lang": "en", "text": "Today, global flows of goods are an integral part of daily business. Whether by road or rail, on rivers, across ocean or in the air – the Rhenus Group develops cross-border transport solutions on all routes.\nTransports by rail can usually be handled faster because customs clearance takes place during the journey. This often makes rail transport the most sensible solution between all countries in western and eastern Europe – even outside of the European Union.\nWith our air freight solutions we bring your goods to their destination quickly, safely and efficiently. In doing so, we not only handle the mere transport of your goods, but also connect global trade centres through our own locations in Europe and Asia.\nIn order to meet the requirements of a globalised economy, ocean freight is indispensable as a transport solution in logistics. The unbeatable advantage of transporting goods by water: The affordable transport price.\nAre you looking for a logistics partner who plans your transport chains in such a way that the strengths of each means of transport can be optimally utilised for individual routes? Contact our experts for intermodal transport.\nRhenus is the expert for transporting goods that weigh several tonnes or are oversized. We offer complete transport solutions along the logistics chain to ensure that project goods arrive at their destination safely and on time.\nRhenus offers transshipment, storage and transportation of bulk goods, break bulk, general cargo, heavy lift cargo and project cargo. Backed by over 100 years of tradition and experience, we are an expert when it comes to the storage of steel, building materials, waste and recyclables and much more.\nThe landbridge connects China, Russia, CIS and Europe by rail and follows one of the oldest trading routes in history. In addition, via China, the landbridge can reach several South East Asian countries. Rhenus ensures reliable transit times and fixed departure schedules.", "domain": "economics"}
+{"url": "https://kemoil.ch/about-mekatrade/", "date": "2024-04-15T21:25:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817033.56/warc/CC-MAIN-20240415205332-20240415235332-00072.warc.gz", "language_score": 0.9388580322265625, "token_count": 277, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__111041010", "lang": "en", "text": "KEMOIL SA (KEMOIL) is an oil-products trading company, founded in March 2018 in Geneva by Daniel NDIAYE, a former head of trading and business development with a strong experience in structured trade finance and credit management, with the original sponsorship and shareholding of MEKATRADE ASIA PTE LTD, a thirty-year old fertilizer and chemical trading company.\nSince 2018, KEMOIL has built a network of customers in Africa and of suppliers worldwide, enabling the company to trade with a wide range of counterparties: national oil companies, producers, majors, refiners, traders, distributors, bunkering companies, and E&P companies.\nWe trade all qualities of oil refined products and biomass.\nOur team developed a set of trading strategies and expertise which allows KEMOIL to respond to market opportunities mainly on the African continent.\nBased on internal filters and ROE objectives, we carefully select exclusive partnerships with strategic independent retailers, by country and by product.\nWe aim to be a trustworthy and essential link between international major producers and suppliers of oil products, and African independent, locally owned groups, meeting the needs of the growing demand on the African continent.\nOur competitive advantage derives from a deep understanding of the specific requirements of our customers and partners, and offering them targeted solutions, both on the supply side and on structured financing.", "domain": "economics"}
+{"url": "http://locksmith-chicagoarea.com/price-list/", "date": "2018-10-16T20:37:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583510867.6/warc/CC-MAIN-20181016201314-20181016222814-00418.warc.gz", "language_score": 0.8483138084411621, "token_count": 301, "dump": "CC-MAIN-2018-43", "global_id": "webtext-fineweb__CC-MAIN-2018-43__0__183991556", "lang": "en", "text": "Locksmith Services General Pricelist\nOur Base Charge is based on: $40 Service call fee + labor + hardware cost\nService Call Fee – For Our Technician to Drive to Your Location: $40 (fixed price)\nBasic Service Fees\n|Emergency lockout service labor||$65-$95|\n|Rekey for standard lock||$30|\n|Rekey for a lock with no key||$40-$50|\n|Lock replacement||Starting at $55 **|\n|Car Key Made On-Site\n(For Lost Key)\n|Starting at $100 **|\n|Drilling a new hole for a new added lock||$95-$125|\n|Lock Repairs||Starting at $65 **|\n* This is a promotional pricing for online clients. You MUST mention this ad over the phone. Final cost may vary, depends on labor charges and security level\n** This cost is a minimum estimate for the respective job. Every key/ignition is different and not always contains the codes and details that allow us to repair/recreate a key therefore, the final cost will vary. If programming is necessary the cost will vary again.\nNote 1: Again, Total amount is based on $40 service call fee + Labor Cost + Hardware or Locks Cost.\nNote 2: Our dispatchers can only give a rough approximate cost for the service required, based on phone description.\nThe technician onsite will provide the final cost.", "domain": "economics"}
+{"url": "https://www.orga.uni-jena.de/en/team/prof-dr-peter-walgenbach", "date": "2022-07-07T14:13:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104692018.96/warc/CC-MAIN-20220707124050-20220707154050-00639.warc.gz", "language_score": 0.9228617548942566, "token_count": 723, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__19478154", "lang": "en", "text": "Prof. Dr. Peter Walgenbach\nProf. Dr. Peter Walgenbach studied Business Administration and Psychology at the universities of Mannheim and Düsseldorf. After completing his studies in Business Administration, he became a research assistant at the University of Mannheim as well as at the Center for European Economic Research (ZEW). In 1994, he received his PhD from the University of Mannheim. In the same year he was appointed as Assistant Professor at the Faculty of Business Administration at the University of Mannheim. In 1997, he was a visiting scholar at Stanford University.\nFrom 1999 to 2008, he held the Chair of Organization Theory and Management at the Faculty of \"Staatswissenschaften\" (economics, law, and social sciences) at the University of Erfurt. In fall 2008, he was appointed to the Chair of Business Administration / Organization, Leadership, and Human Resource Management at the Friedrich Schiller University Jena. In 2016, he received the Humboldt Award of the Riksbanken Jubileumsfonds (Sweden) and was a visiting scholar at the Stockholm School of Economics.\nPeter is a member of the Editorial Board and a Senior Editor of Organization Studies. He is also a member of the Editorial Board of the Scandinavian Journal of Management and a member of the Editorial Advisory board of Diversity Research and Management. From 2006 to 2011, he was Department Editor for \"Management\" for Business Research. From 2008 to 2012, he served as an Associate Editor of the Scandinavian Journal of Management. From 2006 to 2016, he was a member of the Editorial Board of Die Betriebswirtschaft. From 2012 to 2014, he formed part of the Editorial Board of Journal of Management Studies.\nPeter is a member of the German Academic Association for Business Research (VHB), the European Group for Organizational Studies (EGOS), and the Academy of Management (AoM). He is a co-founder of the international network New Institutionalism.\nPeter has published widely in various fields and journals in management and organization studies. His research has been published in journals such as Entrepreneurship Theory & Practice, European Journal of Cultural and Political Sociology, Human Relations, ILR Review, International Journal of Human Resource Management, Journal of International Business Studies, Journal of Management Studies, Organization, Organization Studies, Organization Theory, Research in the Sociology of Organizations, and Scandinavian Journal of Management.\nHe has also assumed responsibility as an editor. In 2006, he edited a special issue of Human Relations (with Mike Geppert, and Dirk Matten). In 2012, he edited a special issue of the journal M@n@gement (with Bernard Forgues, Royston Greenwood, Philippe Monin, and Ignasi Marti Lanuza). In 2009, he edited a volume in the series Research in the Sociology of Organizations (with Renate E. Meyer, Kerstin Sahlin, and Marc Ventresca). More recently, he edited the books Global Themes and Local Variations in Organization and Management: Perspectives on Glocalization (with Gili S. Drori and Markus A. Höllerer) (Routledge, 2014), Institutions Inc. (with Elke Weik) (Palgrave Macmillan, 2016), New Themes in Institutional Analysis: Topics and Issues from European Research (with Georg Krücken, Carmelo Mazza, and Renate E. Meyer) (Edward Elgar, 2017).", "domain": "economics"}
+{"url": "https://www.focusdelhi.com/business-and-finance/delhi-business-associations.html", "date": "2020-09-21T10:16:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400201601.26/warc/CC-MAIN-20200921081428-20200921111428-00658.warc.gz", "language_score": 0.880517840385437, "token_count": 693, "dump": "CC-MAIN-2020-40", "global_id": "webtext-fineweb__CC-MAIN-2020-40__0__90228690", "lang": "en", "text": "Looking for information about the prominent Delhi Business Associations? Read on to get complete knowledge on the business associations in Delhi.\nA city with a strong industrial presence\nDelhi is one of the major Indian metros. It is also one of the greatest economic and industrial centers in the country. The fact that the capital of India, New Delhi, is located in this city gives it greater importance. At present, the city has a strong industrial presence and has several booming sectors like :\n- Information Technology\n- Real estate\nBusiness Associations in Delhi\nThere are a large number of business associations in Delhi. Some of the major business organizations in Delhi are\nConfederation of Indian Industry (CII)\nIt comprises of over six thousand member organizations from the public and private sectors. These include many multi national companies and SMEs. The organization is based in New Delhi, the Indian capital city. The purpose of this organization is to manage the development of industries in India. It has offices in India as well as abroad.\nMantosh Sondhi Centre,\n23, Institutional Area,\nLodhi Road, New Delhi – 110003, India.\nTelephone No.: 91-11-24629994\nFax No.: 91-11-24621649/24633168/2460198.\nNational Association of Software & Service Companies (NASSCOM)\nIt is the prominent organization of the IT software and services industry in India. It has approximately 1,050 members. It has its headquarters in New Delhi.\nAshok Hotel, Chanakyapuri,\nNew Delhi – 110021\nFederation of Indian Chambers of Commerce and Industry (FICCI)\nIt is one of the major Delhi business associations. It is the biggest and oldest organization of Indian business associations. FICCI is situated in New Delhi. Over 1,500 corporate offices and 500 business associations are members of this organization. It provides the Indian government with useful business solutions and economic policies.\nNew Delhi – 110 001\nCellular Operators Association of India (COAI)\nThe organization is based in New Delhi. It is an association of all mobile phone service providing companies in the country. The members comprise of firms like:\n- BPL Cellular\n- Hutch Group\nRegistered office address of COAI is :\nF-301, Gauri Sadan,\n5 Hailey Road\nNew Delhi – 110 001\nAssociation of Unified Telecom Service Providers of India (AUSPI)\nIt represents all companies who are authorized to provide telecom services in the country with CDMA and GSM technology. The headquaters of the association is based in New Delhi.\nB-601, Gauri Sadan,\n5 Hailey Road,\nNew Delhi -110 001\nTel. No: 91-11-23358585,23358989\nFax : 91-11-23327397\nE-Mail Address: email@example.com.\nAll India Glass Manufacturers’ Federation (AIGMF)\nIt is the representative body of all large, medium and small-scale glass manufacturers in the country. It is headquartered in New Delhi.\n812, New Delhi House\n27, Barakhamba Road,\nNew Delhi – 110001\nHope this short list of Delhi Business Associations will be helpful to you.", "domain": "economics"}
+{"url": "https://chetanhebbale.com/2020/11/22/chinese-digital-currency-and-the-future-of-the-dollar/", "date": "2023-05-28T12:54:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224643784.62/warc/CC-MAIN-20230528114832-20230528144832-00053.warc.gz", "language_score": 0.9319936037063599, "token_count": 884, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__161754972", "lang": "en", "text": "There are billions of financial transactions happening right now between consumers, businesses, and governments around the world. The vast majority of these transactions are denominated in U.S. dollars. As the world’s reserve currency, the dollar serves as the unit of account for most global trade and foreign exchange transactions. Simply put, there is no currency more important to the functioning of the world economy than the dollar.\nAs a result, the U.S. has spent the last 75 years in the driver’s seat of the global financial system incurring a range of economic and geopolitical advantages. U.S. consumers have enjoyed low interest rates and cheap imports for decades, spawning one of the world’s highest standards of living. In turn, the U.S. government has been able to sustain large trade deficits without inflation and successfully advance its national security interests through economic sanctions which prevent nations from accessing the dollar for cross-border transactions. For years, adversaries have sought to bypass the Western financial system with little success.\nHowever, the reign of dollar supremacy is not guaranteed. China is now preparing to take the most ambitious step yet to internationalize an alternative currency to the dollar. In April, China’s central bank became the first to pilot a national digital currency for the renminbi, known as the e-RMB. The renminbi represents the most viable currency to dethrone the dollar due to the size of China’s economy and its integral role in the global supply chain. If successful in its vision to create an alternative to the dollar, China could shift the paradigm of the global economy into a new era – one with a duopoly of reserve currencies that would have a significant impact on international competition.\nIn this new era, imagine that the U.S. comes to learn that North Korea is trying to acquire uranium from Iran for its nuclear weapons program. The U.S. would issue new sanctions, but North Korea and Iran would have shifted much of their global trade into using the new Chinese digital currency thus allowing them to circumvent the dollar payments system. Now the sanctions are ineffective at damaging North Korea or Iran’s economy in order to change their calculus, and the U.S. no longer has the visibility to track and shut down illicit financial flows going to purchase nuclear materials.\nThe U.S. is currently unprepared for a scenario like this. As COVID-19 accelerates the digitalization of the world economy, the U.S. cannot afford to fall behind China in the sphere of digital currency. China’s brand of techno-authoritarianism, if successfully applied to money, would pose a fundamental threat to the rules-based world order that the dollar underpins. The U.S. must act now by developing a “digital dollar” – a new national, central bank digital currency issued by the Federal Reserve.\nRather than letting other nations dictate the terms of a digital world economy, the U.S. would lead the way by modernizing the dollar’s underlying technological infrastructure. Advancements that enable the programmability of money could unleash innovative new functions like customized privacy and data ownership (e.g. preventing the selling of payment data), consumer wallets for the unbanked (e.g. direct government assistance payments), or frictionless peer-to-peer cross-border payments and currency conversions (e.g. remittances).\nAmidst the global economic turmoil caused by the pandemic, the dollar’s role as an anchor of economic stability is more important than ever. A digital dollar presents an opportunity to future-proof the dollar’s role as the world’s reserve currency by spurring new innovations and operational efficiencies while also reinforcing U.S. values of transparency, rule of law, and privacy in a world soon to be dominated by competing digital currencies.\nAbout The Author\nChetan Hebbale is currently a graduate student at the Johns Hopkins School of Advanced International Studies (SAIS) in Washington, D.C. focused on international economics, climate change, and sustainability.\nPrior to this, he spent over 4 years at Deloitte Consulting working on technology and strategy projects at the CDC and U.S. Treasury Department.\nHe is a native of Atlanta, GA and attended the University of Georgia.", "domain": "economics"}
+{"url": "https://sortstring.com/public/products/inventory-management", "date": "2023-09-26T19:42:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510219.5/warc/CC-MAIN-20230926175325-20230926205325-00774.warc.gz", "language_score": 0.9329752922058105, "token_count": 247, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__160088358", "lang": "en", "text": "In today's fast-paced and dynamic business environment, inventory management is an essential component of any successful enterprise. Whether it's a small retail store or a large-scale manufacturing unit, inventory management plays a crucial role in ensuring optimal stock levels, efficient supply chain management, and increased profitability.\nTo address the challenges associated with inventory management, we are excited to announce the launch of our new mobile app designed specifically for inventory management. This app offers a user-friendly and intuitive interface that allows businesses of all sizes to easily track and manage their inventory in real time from their mobile devices.\nOur inventory management app offers a range of powerful features, including automated stock updates, real-time inventory tracking, barcode scanning, purchase order management, and customizable inventory reports. With these features, businesses can streamline their inventory management processes, reduce stockouts, and ensure timely and accurate deliveries.\nIn this fast-paced business world, where time is a valuable resource, our app offers an efficient and effective solution for managing inventory, enabling businesses to focus on their core operations and grow their bottom line. We are excited to bring this innovative inventory management tool to the market, and we look forward to helping businesses achieve greater success with our app.", "domain": "economics"}
+{"url": "https://spacetimemeadworks.com/our-community/", "date": "2021-10-26T08:39:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323587854.13/warc/CC-MAIN-20211026072759-20211026102759-00623.warc.gz", "language_score": 0.9416390061378479, "token_count": 109, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__241541643", "lang": "en", "text": "• Space Time Mead & Cider Works is recognized as a PA Preferred Winery. Over 75% of what we used to make our wine and cider were harvested in Pennsylvania. Most of that is sourced from local beekeepers and growers within 25 miles of our winery.\n• Community Contributions: 6% of sales went to Covid impacted local businesses, and local charities in 2020\n• Proud Sponsor of WVIA Radio\n• 1% For the Planet member with 1% of our gross sales going to the Lackawanna River Conservation Association", "domain": "economics"}
+{"url": "https://andreasbaum.info/stories/the-us-house-of-representatives-voted-in-favor-of-a-temporary-budget/", "date": "2023-05-30T05:35:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224645089.3/warc/CC-MAIN-20230530032334-20230530062334-00593.warc.gz", "language_score": 0.9711627960205078, "token_count": 204, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__300249075", "lang": "en", "text": "The house of representatives of the US Congress voted for a temporary budget law that will avoid the shutdown of Federal agencies. The bill was supported by 359 people, 57 opposed.\nIf the Democrats and Republicans failed to reach an agreement, Federal agencies would have to stop working on the first of October, RIA Novosti writes. Earlier, controversy arose over aid to farmers and the extension of a program launched as part of measures to combat coronavirus, which guarantees free or reduced-price meals to children in schools.\nNow the budget law must go to the Senate for a vote. The Federal government’s fiscal year 2020 ends in the United States on September 30.\nEarlier it was reported that Democrats and Republicans agreed to allocate eight billion dollars to those who are out of work and who have nothing to feed their children. This was reported by the speaker of the house of representatives Nancy Pelosi. “We are also strengthening accountability to prevent the misuse of funds intended for farmers,” the Congress stressed.", "domain": "economics"}
+{"url": "http://crmaccelerators.codeplex.com/releases/view/18959", "date": "2017-04-24T16:57:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917119642.3/warc/CC-MAIN-20170423031159-00294-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.8975023627281189, "token_count": 116, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__34571550", "lang": "en", "text": "The extended sales forecasting accelerator enriches the out-of-the-box sales forecasting capabilities in Microsoft Dynamics CRM 4.0. Principally, sales users of Microsoft Dynamics CRM can review their individual sales pipeline and quickly classify opportunities as committed, excluded or upside. Sales managers can monitor and track sales targets, budgets and performance against these forecasts for specific time periods (e.g. months and quarters).\nUnderpinning these capabilities are new Microsoft Dynamics CRM 4.0 reports that summarize sales performance for the organization as a whole or for individual salespeople.", "domain": "economics"}
+{"url": "http://iraq.usembassy.gov/gso_procurement/doingbusiness.html", "date": "2016-06-25T12:13:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-26/segments/1466783393146.70/warc/CC-MAIN-20160624154953-00134-ip-10-164-35-72.ec2.internal.warc.gz", "language_score": 0.9109308123588562, "token_count": 396, "dump": "CC-MAIN-2016-26", "global_id": "webtext-fineweb__CC-MAIN-2016-26__0__51709596", "lang": "en", "text": "Doing Business with the Embassy\nCompanies wishing to do business with the Embassy should provide the Procurement Section with a copy of a Vendor Registration Form (PDF 9.64 KB), their references, company profile, brochures and catalogs in English. The documents should be in Acrobat PDF format and submitted to this email address: BaghdadGSOProcurement@state.gov\n- The Procurement Section of the Embassy is the only office authorized to place orders for goods and services on behalf of the U.S. Government. All orders from other persons are considered unauthorized and private, and the Government accepts no responsibility for paying those orders.\n- The Embassy is required to provide vendors with a copy of a Purchase Order Form OF-347 (PDF) or contract signed by a Contracting Officer for all orders valued above the equivalent of USD 500.00. The Purchase Order/Contract is the order, and vendors should not attempt to deliver goods/services prior to receiving one of these documents. The Government has no obligation to receive or pay for any goods/services without a valid contract.\n- The Government does not make advance payments – payment is made exclusively after receipt of the goods/services.\n- Payment is made in local currency, i.e. Iraqi Dinars or in U.S. Dollars by Electronic Funds Transfer (ETF).\n- By U.S. law, the Embassy makes payment within 30 days from receipt of a proper invoice.\n- Invoicing instructions are available here (PDF 40.17 KB)\nThe Embassy does business only with duly registered companies. If a company wants to do business with the Embassy, it must be able to present a copy of the company’s registration with the pertinent Iraqi ministry.\nAll downloadable documents on this page are provided in PDF format. To view PDFs you must have a copy of Adobe Acrobat Reader. You may download a free version by clicking the link above.", "domain": "economics"}
+{"url": "https://kasulaser.com/exhibitions/kasu-laser-in-apppexpo-2023/", "date": "2024-04-24T08:16:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296819089.82/warc/CC-MAIN-20240424080812-20240424110812-00049.warc.gz", "language_score": 0.8947550654411316, "token_count": 209, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__160360317", "lang": "en", "text": "2023 APPPEXPO Shanghai International Canton Printing Exhibition\nIn 2023, APPPEXPO Shanghai, founded in 1993, will celebrate its 30th successful edition.\nAPPPEXPO Shanghai takes the purpose of building an industry trade and procurement platform, strives to build an open, shared and innovative industry ecosystem, and helps industry enterprises realize the whole industry chain to expand customers and promote industry development and innovation.\nKASU Laser invites you to visit !\nDate: Jun.18th-21th 2023,\nAddress: Shanghai National Convention and Exhibition Center: 1.2-A0999\nBest Laser Cutter Manufacturer In China\nKASU Laser was established in 2009 and is headquartered in Shanghai, China. We are a professional laser cutter manufacturer with over 70 self-owned software and laser machine intelligent properties.\nAll our laser cutting machine models have passed CE and FDA Certifications.\nOur professional after-sale service engineer team will offer you 7/24 prompt after-sale service support.", "domain": "economics"}
+{"url": "https://haitiboatbuildingprojecthbbp.simdif.com/about-us.html", "date": "2021-01-21T06:04:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703522242.73/warc/CC-MAIN-20210121035242-20210121065242-00479.warc.gz", "language_score": 0.9688166975975037, "token_count": 251, "dump": "CC-MAIN-2021-04", "global_id": "webtext-fineweb__CC-MAIN-2021-04__0__207111269", "lang": "en", "text": "Education and skills provide a brighter future.\nHaiti is no longer prominent in the news but the effect of the 2010 earthquake are still being felt by the homeless and hopeless kids on the streets today. With 60% unemployment and half the population living well below the poverty line, the future may seem already written for them but with the support of the Haiti boat building Project and in partnership with Haiti Ocean Project a better future can start to become reality. The goal of the Haiti Boat Building Project is to provide care and accommodation for homeless kids and teach them the skills of carpentry and boat building which will enable them to grow in confidence and provide themselves with an income and a future. The project is in its infancy and is located at the Marine Centre in Petite Riviere de Nippes which is the base of Haiti Ocean Project.\nTo be given the opportunity to learn is something most of us are provided with but sadly not everyone gets that choice.\nThrough offering learning in the fields of carpentry and boat building to English language and computer literacy a whole world of opportunity and job prospects open up to kids who simply wouldn't get that chance. It can be the difference between a life in poverty on the streets and a life of hope and security.", "domain": "economics"}
+{"url": "https://cialisonlinetips.com/why-buy-native-smokes-in-bulk/", "date": "2024-04-13T10:32:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816587.89/warc/CC-MAIN-20240413083102-20240413113102-00034.warc.gz", "language_score": 0.9344689249992371, "token_count": 723, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__203436416", "lang": "en", "text": "In a world where alternatives abound, native smokes emerges as a beacon for those in search of an excellent lifestyle and a touch of the background of their smoking experience. The allure of purchasing Native Smokes in bulk transcends mere comfort. It delves into the realm of economics, sustainability, and cultural appreciation intertwine.\nLet’s have a look at each of those factors:\nCost Savings: Purchasing in bulk frequently gives enormous fee financial savings according to unit compared to buying character packs. This is especially true for products like cigarettes, wherein the in-step with-unit cost decreases while buying in large portions. Native Smokes, known for their affordability, can offer even extra savings when offered in bulk, making it an attractive choice for budget-conscious clients.\nConvenience: Buying in bulk means you have a larger delivery on hand, lowering the frequency of buying trips. This can be especially handy for individuals who smoke regularly and prefer not to expire in their preferred emblem now. By stocking up on Native Smokes, smokers can avoid the trouble of common journeys to the shop and ensure they have ample delivery available.\nAssurance of Availability: Native smokes won’t be comfortably available in all stores or regions, specifically if you opt for a particular range or taste. Buying in bulk permits you to stabilize a good enough supply, ensuring you might not be caught off guard by surprising shortages or supply chain disruptions. This peace of mind can be helpful, especially for folks who depend upon Native Smokes as their number-one choice of tobacco product.\nQuality Control: You could inspect the complete lot for defects or inconsistencies when buying in bulk. This is particularly relevant for tobacco products, in which first-class can vary between batches. By shopping for Native Smokes in bulk, you can make certain uniformity in flavor, aroma, and normal satisfaction throughout all the packs you buy. This can be particularly vital for people who smoke and are discerning approximately the traits of their cigarettes.\nReduced Packaging Waste: Buying in bulk usually entails less packaging per unit as compared to character packs. This discount in packaging waste may be more environmentally pleasant as it reduces the quantity of fabric used and discarded. By choosing bulk purchases of Native Smokes, environmentally aware purchasers can decrease their environmental footprint associated with packaging waste.\nCustomization and Variety: Some retailers offer bulk shopping options that allow customers to customize their orders or choose from a greater variety of merchandise. This can be tremendous for smokers who pick unique blends, flavors, or packaging formats within the Native Smokes emblem. Bulk buying permits you to tailor your purchase to your choices, ensuring you get exactly what you want without compromise.\nPotential for Resale or Sharing: Buying native smokes in bulk can also gift possibilities for resale or sharing with pals and a circle of relatives. If you have a relied-on circle of smokers who share your choice for Native Smokes, pooling sources to shop for in bulk can bring about cost savings for anybody involved. Additionally, if you have surplus inventory, you could remember selling it to others who may have trouble accessing Native Smokes or are looking for an extra low-cost option.\nIn the end, purchasing native smokes in bulk gives numerous advantages, including value savings, comfort, excellent management, assurance of availability, reduced packaging waste, customization options, and potential for resale or sharing. Whether you are a normal smoker looking to keep cash or someone who values consistency and comfort, shopping for native smokes in bulk can be a sensible and useful desire.", "domain": "economics"}
+{"url": "http://www.b-b-a.co.uk/blog/category/news/", "date": "2014-04-23T19:50:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-15/segments/1398223203422.8/warc/CC-MAIN-20140423032003-00518-ip-10-147-4-33.ec2.internal.warc.gz", "language_score": 0.9530990719795227, "token_count": 179, "dump": "CC-MAIN-2014-15", "global_id": "webtext-fineweb__CC-MAIN-2014-15__0__71911646", "lang": "en", "text": "Rising Stars 2009 is the Bedfordshire and Luton Business Excellence Awards. This year the Innovation category is being sponsored by the Knowledge Hub.\nJudges will be looking to recognise a new company, product or service developed since January 2006, which has made a positive contribution to the economy of Bedfordshire and Luton, or a public sector project that has had a beneficial impact on business in the area.\nJudges will be looking for evidence of efficiency savings, product take-up and customer testimonial where appropriate. Training and development strategies and community involvement will also be taken into account.\nA company or an individual can be nominated, either by themselves or someone else. If you’d like to enter, the application form (online) is on the Rising Stars website http://www2.lutontoday.co.uk/risingstars/categories.htm#8", "domain": "economics"}
+{"url": "https://hinaray.com/military-applications-how-anti-drone-systems-are-shaping-modern-warfare/", "date": "2023-11-29T00:03:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100016.39/warc/CC-MAIN-20231128214805-20231129004805-00115.warc.gz", "language_score": 0.929742693901062, "token_count": 864, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__4937725", "lang": "en", "text": "The rapid rise of drones isn’t just about cool aerial footage or quick package deliveries. Drones have started to play a major role in military operations, and the need for defense against them comes with that. As highlighted by a study from Grand View Research, there’s been a significant investment in anti-drone weapons to combat potential threats. This isn’t about shooting them down but more about Anti-Drone Systems jamming their systems or taking control. It’s a new field of defense, and as drones evolve, so does the technology to counteract them. In this exploration, we’ll dive into how these countermeasures, specifically drone jammers, are redefining modern warfare.\nHow Anti-Drone Systems are Shaping Modern Warfare?\n1. Mitigation Systems and Their Importance\nMitigation systems have emerged as a crucial aspect of the counter-drone market. According to the data from Grand View Research, mitigation systems were leading in market share in 2016 in terms of revenue.\n- Destructive Systems: These are designed to destroy the operational components of drones. Within this category, we see three primary methods:\n- Laser Systems: These aim to disable drones by targeting them with precise and high-energy lasers.\n- Missile Effectors: These involve launching projectiles to intercept and destroy the drone.\n- Electronic Counter Measure Systems: They disrupt the drone’s communication systems, rendering them non-operational.\nBetween 2015 and 2024, the global market for destructive systems saw impressive growth, from $266.1 million to a staggering $1.733 billion. On the other hand, non-destructive systems are growing comparatively slower, with projections showing an increase from $32.9 million in 2015 to $117.4 million by 2024.\n2. Defense Systems: Detection vs. Disruption\nDefense against drones is primarily categorized into two segments: Detection and Disruption systems.\n- Detection Systems: These primarily focus on identifying and tracking drones. Key technologies leading in this domain include Radar-based and Active Optics systems. Their affordability compared to RF emission or acoustic-type detection systems makes them a preferred choice. This segment is growing robustly, with market growth from $92.9 million in 2015 to $616.1 million by 2024.\n- Detection & Disruption Systems: These not only detect but also neutralize or take control of the intruding drones. The market growth for this category is projected from $206.1 million in 2015 to $1.23 billion by 2024.\n3. End-Use of Anti-Drone Systems in Military & Beyond\nDifferent sectors employ counter-drone technologies, but the military and defense remain the primary users.\n- Military & Defense: With the increase in R&D activities by defense prime contractors, the military has become the leading end-user. The market size for counter-drone systems in this segment is poised to surpass USD 900 million by 2024, up from $179.4 million in 2015.\n- Government: This segment too, though trailing behind the military, shows promising growth. From a market size of $35.9 million in 2015, it’s projected to reach $284.5 million by 2024.\n- Commercial Sector: Beyond the military and government, counter-drone technologies are finding applications in commercial sectors, especially for the protection of infrastructure like airports and public places. Growth here is forecasted from $56.2 million in 2015 to $388.9 million by 2024.\n4. Key Players and Global Presence\nCompanies play a significant role in the drone jammers market’s expansion. Firms with over USD 1 billion in revenue as of 2015 account for 55% of the market. In terms of global presence, the USA leads with 62 companies in the counter-drone sector, followed by the UK, Israel, and countries like Germany, France, and Switzerland.\nLastly, the evolution of drone technologies has brought both advancements and challenges, especially in the realm of military applications. As highlighted above, the anti drone weapons or drone jammers play a pivotal role in shaping modern warfare strategies, ensuring that as drones become more advanced, so do the methods to counteract them.", "domain": "economics"}
+{"url": "http://www.metroports.com/history/", "date": "2017-04-26T21:21:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121665.69/warc/CC-MAIN-20170423031201-00207-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9650322794914246, "token_count": 311, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__196441175", "lang": "en", "text": "The 1850s witnessed the height of the California Gold Rush wherein the Port and City of San Francisco developed rapidly. It was during this historic time that California Stevedore and Ballast Company was conceived by two Danish sea captains in San Francisco by the names of Eschen and Minor. And, as the saying goes, the rest is history. The development of Southern California with the Ports of Long Beach and Los Angeles led to the formation in 1923 of a second company named Metropolitan Stevedore Company, later rebranded to Metro Ports.\nThe Roaring ’20s was a time when our industry was built on the backs of a strong labor force. Nowhere was this more evident than in the Ports of Los Angeles and Long Beach, where Metro Ports saw an opportunity to introduce new systems to help labor keep up with the increasing imports of products from Europe, fruit from the Tropics, and rubber from the East Indies.\nUnloading these sailing ships and steamers was only part of a stevedore’s day. Empty vessels were reloaded with outbound cargos requiring the same kind of planning, equipment, and strong labor. Exports included borax from the dry California desert, ores from the mines in the Southwest, and seafood harvested by local fishermen off the West Coast.\nSince 1923, Metro Ports' headquarters have remained in Wilmington, California, a testament of their vision to continually meeting customer’s needs and growing with an ever-changing industry that demands innovation and a strong commitment to quality and excellence.", "domain": "economics"}
+{"url": "https://impactfoundry.org/product/logistics-and-distribution-management/", "date": "2023-05-30T13:21:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224645810.57/warc/CC-MAIN-20230530131531-20230530161531-00025.warc.gz", "language_score": 0.911002516746521, "token_count": 163, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__132546468", "lang": "en", "text": "Logistics and Distribution Management\nThis course explores the fundamental concepts and ideas of logistics and distribution management. It delves into the various logistics information management systems, analyzes their financial aspects and technological influences, and explains how to manage and measure their performance. This course is divided into modules that explain logistics management, inventory management, and warehousing and distribution. Throughout these modules, course participants will review and distinguish between inbound logistics, outbound logistics, reverse logistics, and third-party logistics; explore the tools and techniques for tracking and valuing inventory, including ABC analysis; and learn the functions of packaging and methods for transporting goods through simple and complex distribution channels.", "domain": "economics"}
+{"url": "https://www.meyer-pantalons.fr/en_fr/general-terms-and-conditions", "date": "2021-10-17T09:06:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585171.16/warc/CC-MAIN-20211017082600-20211017112600-00039.warc.gz", "language_score": 0.9319638013839722, "token_count": 649, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__261726177", "lang": "en", "text": "You have the right to cancel this contract without giving a reason within fourteen days. The cancellation period is fourteen days from the day upon which you or a third party nominated by you, who is not the carrier, took possession of the last delivery. In order to exercise your right of cancellation, you must contact us at (MEYER-HOSEN AG, Hauptstraße 30, 51580 Reichshof-Denklingen, Email: email@example.com, Fax: 02296 -8950) and inform us by means of a clear statement (e.g. as a letter consigned by post, fax or email) of your decision to cancel this contract. You may use the attached sample cancellation form, although this is not mandatory. To meet the cancellation deadline it is sufficient to notify us that you intend to exercise your right to cancel before the cancellation deadline.\nConsequences of cancellation\nIf you cancel this contract, we must refund you all payments that we have received from you, including delivery costs (except for the additional costs resulting from your having chosen a different type of delivery than the most reasonable standard delivery offered by us), without undue delay and at the latest within fourteen days from the date on which we received notification that you are cancelling this contract. For this repayment we will use the same means of payment that you used for the original transaction, unless something else was expressly agreed with you; on no account will you be charged fees due to this repayment. We can refuse the repayment until we have received the goods or you have provided evidence that you have sent back the goods, whichever is earlier. You must return or hand over the goods promptly and in any event not later than fourteen days from the date on which you notify us of any cancellation of this contract, to (MEYER-HOSEN AG, Hauptstraße 30, 51580 Reichshof-Denklingen, Email: firstname.lastname@example.org, Fax: 02296 -8950). You have complied with the time period if you send the goods before expiry of the fourteen day period. We will provide you a returns slip by email. You only need to pay for any diminished value of the goods if such loss in value is due to handling of the goods which was not part of a necessary examination to ascertain the nature, characteristics and functioning of the goods.\nSample cancellation form\n(If you wish to cancel the contract, then please fill in this form and return it to us.)\nTo MEYER-Hosen Aktiengesellschaft, Hauptstraße 30, 51580 Reichshof-Denklingen\nFax number: 02296-8950,\nI/we (*) hereby cancel the contract I/we (*) have concluded to purchase the following goods (*)/receive the following service (*)\nOrdered on (*)/received on (*)\nName of consumer(s)\nAddress of consumer(s)\nSignature of consumer(s) (only on paper)\n(*) Delete as applicable\nEnd of cancellation instructions", "domain": "economics"}
+{"url": "https://www.avbirch.co.uk/automation-cost-savings-and-safety/", "date": "2022-08-11T09:44:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882571246.56/warc/CC-MAIN-20220811073058-20220811103058-00728.warc.gz", "language_score": 0.9188426733016968, "token_count": 618, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__95484838", "lang": "en", "text": "Investing in new machinery and embracing digital manufacturing techniques can deliver automation, cost savings and better safety for timber product businesses and their staff.\nThe big question for most organisations is how and when to invest. Improving production efficiencies, increasing quality and making cost savings to improve profitability involve complex decisions.\nSometimes, space is an issue. Existing manufacturing schedules cannot be disrupted while new machinery is installed. There’s also a need to keep existing staff productive instead of releasing them for lengthy periods of training.\nAV Birch offers timber engineering solutions that are bespoke, adaptable and intuitive. That means machinery and systems that can work with your business and personnel, grow as you grow, and instil confidence in the people who operate the controls.\nTimber truss and beam production made easy\nNo production operation should be considered easy to establish, maintain and expand, but AV Birch offers decades of engineering experience to give customers every possible advantage.\nLatest systems offer features that boost every aspect of production, whether you are manufacturing roof trusses or floor joists and beams.\nTake our Magna Truss roof truss manufacturing system. The whole process encourages an easy work flow, with time and space saving functionality built in to all aspects of the system.\nThe Magna-Loc pedestals can be quickly positioned, moved and operated. Foot controls and no cables keep this machinery safe for employees.\nA 27-ton press head is a two-handed operation, with a tool balancer to further promote control and safety for the operators.\nParts and controls are positioned for convenient maintenance and swap-out, giving cost savings and keeping machinery available for manufacturing.\nOptions to expand capacity\nAll AV Birch machinery is designed and installed with the future in mind. The Uni-Roll Open Web Floor Beam Press offers an efficient and speedy traverse action, giving production facilities options to vary output as required.\nPre-set jobs and remote control functionality puts the power in operators’ hands, while laser technology boosts set-up times and improves product accuracy.\nUltimately, open-web joists can be produced at up to 150 metres per hour.\nAs with other systems, the Uni-Roll 750 comes with both pull-chord and push-button safety stop features.\nA timber engineering partner you can trust\nWhen you deal with AV Birch you know exactly what to expect. What we say we will deliver, we deliver.\nWe provide a complete solution, helping your business acquire machinery and technology that makes a real difference to your bottom line.\nFrom concept to installation, including all fabrication work, detailed machining, integration of hydraulics, pneumatics and electrical works, our experienced in-house team controls the process and keeps you in the loop.\nIf you’d like to discuss a timber engineering machinery project for your business please get in touch. Call Scott Heyes on 01746 714 418 or email email@example.com for further details about the machinery and equipment we offer.", "domain": "economics"}
+{"url": "http://www.carfilia.com/auto-blog/the-basics-of-car-finance/", "date": "2017-03-27T20:19:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218189525.23/warc/CC-MAIN-20170322212949-00044-ip-10-233-31-227.ec2.internal.warc.gz", "language_score": 0.9653841257095337, "token_count": 600, "dump": "CC-MAIN-2017-13", "global_id": "webtext-fineweb__CC-MAIN-2017-13__0__195577504", "lang": "en", "text": "If you are in the market for a new car, financing your purchase is one of the key considerations, and by understanding the basics of car finance, you will be in a better position to know what you can and what you cannot afford.\nBuying a car is a huge decision, especially from a financial point of view, so you will want to get the financing of your purchase right. Buying a car outright for cash is not an option for many people, so you will more than likely have to obtain some kind of financing from an external source. That is not to say, however, that you should expect to finance a car purchase entirely from a loan, so it is a good idea to have some savings, at least. For one thing, a finance provider will typically require evidence that you have a handle on your finances, and what better evidence than savings? Having a deposit to back up your purchase is another sensible piece of advice.\nA great tip for saving money is to open a savings account and deposit some of your wages or salary directly into that account. Put in an amount you can afford and that will not leave you short for other essential purchases and bills. Becoming a regular saver is a good habit to cultivate.\nThe language used in financing can seem daunting, so reaching an understanding of the different terms used can help you overcome any sense of feeling overwhelmed as you seek to obtain finance for your new car. Some of the most common phrases used include:\n- Annual Percentage Rate (APR): This refers to the cost of the loan amount provided and is expressed as an annual rate. APR is influenced by a number of factors, from credit history and current market rates to competition. APR can be negotiated, however, so you should try to negotiate a lower figure, in the same way that you would negotiate over the price of a car.\n- Credit report: This report incorporates such information as your address; how you pay your bills; and whether you have encountered financial difficulties, such as the inability to pay off previous loans, in the past. Consumer reporting agencies have the authority to sell this information to credit providers.\n- Credit score: This score is a reflection of your credit risk and is arrived at by analyzing the information on a credit file. Your credit score can be used to help calculate the rate and loan terms you will be offered when you start seeking finance for your new car.\n- Total of payments: You will pay this amount after you have completed making all your scheduled payments. If you are leasing a vehicle, it will be the amount paid off at the end of the lease period.\nAuto Loan Solutions are at your fingertips, thanks to the advent of the Internet. Loan companies have gravitated online, making it easier than ever to retrieve a quote for a loan or to compare loan rates between different providers.\nUnderstanding the basics of car finance is essential to obtaining the best rate and the type of loan structure that suits you best.", "domain": "economics"}
+{"url": "https://dev.mrwin.com/new-casino-sites/", "date": "2021-06-22T18:01:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623488519183.85/warc/CC-MAIN-20210622155328-20210622185328-00576.warc.gz", "language_score": 0.9558835625648499, "token_count": 3100, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__144597287", "lang": "en", "text": "It is hard to keep up with new game releases, but even harder to keep up with casino launches. In 2019, an estimated 150 new casinos were added to the UK market alone, and the current year seems to be well on its way to exceeding that mark. Casino gambling is increasingly prominent in the virtual space as more and more gaming enthusiasts are gravitating away from the traditional land-based setting. The Gross Gaming Yield of the online gambling sector from April 2017 to Match 2018 was £5.4 billion – the biggest in the entire industry. Slots alone account for £2 billion out of that revenue, and these figures are an increase of 19.3% from the previous year.\nOne of the perks of new casino sites is that they benefit from the latest web designs and technology. Eye-catching and intuitive layouts with beautifully defined themes, characterize these sites. Often, new customers are welcomed by sleek and innovative avatars that guide them through the casino. The deposit bonus and free spins may provide the greatest allure of a casino, but aesthetics definitely give an extra edge for attracting new players. These casinos have one thing in common; they have all met up to our standards. More importantly, they are recognized by the UK gambling commission and are safe and legitimate.\nBig brand names rule the minds of players, and the upcoming UK casinos online hardly even get the chance to reach new customers. Though it is difficult to keep up with them, the new generation of online casinos has so much to offer. Whether you are looking for a fresh experience or are a first-timer to online gambling, it is easy to see the appeal of a new casino.\nHere are some of the latest gambling concepts on new casino sites:\nThe new casino experience is more interactive than ever before with the incorporation of an exciting feature known as gamification. The concept is designed for you to take part in challenges while competing against other players. You complete missions and earn rewards as you strive to move up the leaderboard.\nThe improved level of engagement makes the online casino increasingly similar to the video game structure, and this has attracted a new wave of UK casino gamers. However, gamification is not only for millennial players. The achievements are similar to those in a loyalty scheme, only on a more advanced level, so the older generation will find it quite exciting as well. You get extra value with superior gaming experience. Plus, you don’t have to make a hefty deposit as you would in the VIP scheme of your average online casino sites.\nBlockchain technology which has gained attention in a variety of industries is the basis of the Bitcoin network. Bitcoin casinos are popular for being “transparent” and “trustless”. The issue of trust is non-existent because the public can access transactions stored in the digital ledger. As the name suggests, these casinos accept Bitcoin as a payment method alongside other altcoins.\nWith cryptocurrency, payouts are instant, and the minimal information required from new customers makes it the most secure payment method to date. Bitcoin is a decentralized currency, so unlike the British pound and other fiat alternatives, it is not controlled by a central authority. The nature of cryptos provides anonymity and privacy to players and is not deterred by country limits.\nWith all these benefits, the bitcoin casino is almost perfect. However, the deposit bonus at a bitcoin casino is on the smaller side compared to the bonus offered by regular casinos. Bitcoin casinos are not fully licensed in the UK yet but the influx of new players in recent years will most likely bring about massive changes to that in the future.\nVirtual reality produces an entirely new casino gaming experience. Game developers like NetEnt and Microgaming have been pushing for VR casinos. The former displayed its first full virtual reality slot game back in 2017, While the latter has a Blackjack VR game in the works. The adoption of the concept is barred mostly by cost, as creating such games is hugely capital intensive. Despite the challenges, the possibilities are quite exciting. We will have to watch where the future of the online UK casino takes us in the coming years.\nEvery week a new online casino in the UK is launched, but not all new casinos make our list. There is a myriad of choices and along with them come various questions about their authenticity. This is where casino reviews come into play. The safest way for new customers to learn about a website is from second-hand experience. We consider the pros and cons of each site as well as the t c for bonus claiming, among other things.\nNew casinos are under a lot of pressure to bring something fresh to the table. These sites are very fragile and can quickly fizzle out if they don’t make an impact on the players. That is why they garner attention by incentivizing with bonus offers.\nOur review of the latest online casinos is highly influenced by the games available on the site. New casinos are often distinguished by the presence of modern gaming technology and a wider range of gaming verticals. They offer the classics available on older sites alongside the latest game releases with improved elements and concepts. The best part is they have some of the highest online slots payout percentage rates in the UK. Slots fanatics are in luck because many new sites focus solely on one-armed bandits. New casino sites provide slots with varying themes and features, engaging storylines, and state-of-the-art graphics. You will notice that free spins are a common type of bonus at many casinos, and this is because slots are dominating the online casino scene. More than half of a casino’s game collection is made up of slot titles, and game developers continuously churn out new releases on the market. Game providers are the brains behind it all, and our list of casinos are affiliated with software vendors like NetEnt, Playtech, Play’n Go, Yggdrasil, and Evolution. Multi-way wins, stacked wilds, multiple grids and mini-games are some of the new innovations designed to improve gameplay. New players have better ways to bank more money with each spin of the reels.\nPlayers get the feel of being in the Las Vegas strip through live dealer games. Live casinos accurately portray the ambience of the most famous land-based lobbies with lights, sounds, and human croupiers who handle the tables in real-time. This category has managed to merge the traditional casino culture into the contemporary digital style of gaming. Live casino libraries feature live blackjack, live roulette, live roulette and live poker games in a number of variations. The live dealer bonus is not as prominent as the regular casino bonus, but it does exist. A typical live dealer bonus will require you to deposit 10 pounds or thereabout to benefit from cashbacks, 100% bonus match and so on. Live casinos, however, do not offer free spins because bonus spins are specific to slots.\nThere is an increase in e-wallets at UK new online casinos. This is because these payment gateways allow funds to be transferred within 24 hours. New players no longer have to wait days for an e-check to be cleared or for a bank transfer to be processed. Every UK online casino offers diverse payment options like Mastercard, Visa, Skrill and Neteller, Zimpler, and Trustly. E-wallets are quite popular for bonus claiming. That is why they have quickly gained traction among iGamers. To claim a bonus, UK players can deposit 10-20 pounds at the least. As a rule on most casinos, the method of deposit should also be the method of withdrawal. However, if the deposit option does not work for withdrawals, you can cash out using any other payment solution. The wide acceptance of British currency makes it easy to deposit both locally and internationally.\nThe technology at the fingertips of new operators enables them to provide advanced customer support. This aspect holds much importance because no matter how good or well laid out an online casino in the UK is, a situation inevitably arises where players need assistance. On our list of new casino sites, you receive first-class treatment with friendly and responsive support 24/7. There are also more mediums through which you can get in touch with the team, including live chat, email, telephone and social media platforms. The casinos on our list also have a FAQ section where you can quickly get information on bonus clearing, min. deposit and max. cashout, and other basic inquiries about the casino.\nA casino with a license is a trustworthy casino. The UK gambling commission has a reputation for being the strictest regulator in the industry. For our list of top new casino sites, a gaming license from the UKGC is indispensable. In line with the duties and obligations, every licensee has to implement the standard level of security.\nBoth old and new customers find a lot of value in VIP programs. At older casinos, you would only be accepted into the VIP club after you have made a certain number of bets or staked a particular amount of money on games. Sometimes UK players have to wait for a very long time to be recognized as a VIP, while others never make the cut. New online casinos make the VIP program accessible to everyone from the start. New players can begin from the first level and make their way to the top as they deposit and play. With every new VIP level unlocked, you get rewards such as free spins; a reload bonus, cashback bonus, or free cash. The best VIP schemes are quite generous with free spins. We’ve seen offers as high as 500 bonus spins. Value is added with every deposit; members get reload bonus gifts that run in hundreds of pounds. And the cashback bonus serves to minimize your losses. On reaching the topmost tiers, you receive invitations to special events and get all-expense-paid trips to the best holiday destinations around the world.\nEstablished sites have gained the trust of avid gamers over the years. Players know their games, offers and payout methods, and one is often scared of change. As much as you find comfort in those familiar surroundings, the advantages of playing at a new casino are too good to pass up. To attract new players, upcoming operators have to work extra hard, and it is on new casinos that you find the most innovative products and the best bonus deals.\nWhere you would deposit 10 pounds to get 50 bonus spins at an older casino, you would deposit 10 pounds and receive 100 bonus spins at a new site.\nIn the same vein, players who deposit 10 pounds to claim a £10 bonus on an already established site can deposit 10 pounds and claim a £20 or £30 bonus. The standard match deposit bonus is 100%, but new casinos offer up to a 200% match deposit bonus and higher.\nWhen it comes to keeping up with the trend, new casinos are the best. A few years ago, when HTML5 games first sprung up, more modern casinos had game catalogues completely void of Flash technology. On the other hand, the established ones needed time to convert their games and are still in the process to this day. Established online casinos are often trapped by old architecture in their websites and games. For them, it is difficult to improve functionality, and they tend to sacrifice user experience and compatibility.\nYou can play your favourite games across all platforms – mobile phones and tablets included. These new online casinos have responsive websites that adapt to different screen sizes and allow instant play. Many of them also have a mobile app that can be found on the Google Play Store and the App Store.\nMobile gaming allows a more convenient user experience because you can play on the go. The mobile casino also has a dedicated bonus, and free spins offer for mobile users. Apps load very quickly, and you only need to sign in once because it keeps you connected to your player account as long as it remains installed on your device.\nUK existing customers know all too well the anxiety around that initial deposit in a casino. Even new players understand the importance of making the first deposit. It is the first step into the casino gambling space where literally anything is possible.\nNonetheless, some casino sites let new customers play for real money without making a dent in their bank account. At a no deposit casino, you get a cash bonus and free spins to play with as soon as you open your account. New players can try out games that they would not have considered under normal circumstances for the risk of losing money. The no deposit new casino bonus usually comes with wagering requirements and time restrictions, so make sure to read the t c attached to them.\nCasino gaming has seeped into another medium that is creating greater awareness about the industry, especially to the new generation of UK players. Online gaming has now spread through social networks like Twitter and Facebook, where new players can play casino games with free coins.\nThe premium model of these games, however, requires you to make a real money deposit, and there have been incidences of excessive spending through the platform. This is because there are fewer regulations on responsible gambling compared to playing at actual online casinos.\nThe value of a bonus is not limited to the amount being advertised. Rather, it extends to the t c behind the curtain. UK Players are becoming smarter about picking casinos solely based on the deposit bonus and free spins on offer. New players are advised to check the t c always to find out the rollover requirements for any bonus. Wagering requirements are a casino standard that has been associated with bonus offerings since the inception of online gaming.\nA typical bonus t c would state something along these lines; Before withdrawing any funds, players have to roll over the bonus or deposit 10 times, or both.\nIf you’re not interested in replaying your winnings, you’re in luck because new casinos have come up with the no wagering concept. At new no wagering online casinos, you can withdraw your bonus immediately, and free spins are actually and completely free. However, not many operators in the UK have taken to the idea of the no wagering bonus. So when playing at multiple casinos, it is difficult to avoid this aspect of bonus t c.\nYour best bet would be to choose new online casinos with lower wagering requirements. The most lucrative kind of bonus should require you to roll over your deposit 10 times or less. An offer where you have to wager your deposit + bonus numerous times will prove unprofitable.\nThe UK is a regulated gambling market, so it is easy to understand why the industry is thriving so well. Brand new online casinos UK has fine-tuned their product and ironed out the kinks to deliver a fresh and improved gambling experience. They have a variety of games, excellent customer service and are generous with deposit bonus offers and free spins. They also have numerous payment methods and reasonable payout times.\nWe scour the internet and keep a hawk’s eye on the online gambling industry to provide you with the latest new casinos on the market. Deciding to play at a new casino is totally up to you, but in our opinion, they are definitely worth your time and money. With new casino sites in the UK, players get to experience a new kind of excitement.", "domain": "economics"}
+{"url": "https://regulateflorida.com/facts-about-marijuana/", "date": "2021-09-26T00:43:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780057787.63/warc/CC-MAIN-20210925232725-20210926022725-00317.warc.gz", "language_score": 0.9638464450836182, "token_count": 569, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__168434426", "lang": "en", "text": "The economic impact of a regulated adult market in Florida can assist with funding the state in some of the most important areas. Regulated adult use creates a new legal market for cannabis sales in Florida, with that comes tax dollars, jobs, increased property values, and tourism to the state. In looking at the potential market in Florida, we can compare to Colorado, a state with approximately 5 million people, compared to Florida’s 20 million. Colorado generated revenue from legal and adult sales of approximately $1.3 billion in 2016, a 30% increase from 2015. Of that $1.3 billion, 200 million went to the state as tax revenue. This has allowed the state to build schools, assist the homeless, and create a booming job market and economy in the state. At 4 times the size of Colorado, we can estimate a 2-3 billion dollar market in the first few years of passing Regulate Florida’s petition. Realtor.com did a study on the housing market in legal states and found a significant increase in property values in those states, with an increase in both pricing and demand. According to Forbes, the legal cannabis market was worth $7.2 billion in 2016, and is projected to grow at an annual rate of 17%. Annual surveys by Marijuana Business Daily estimate the industry currently employs 100,000 to 150,000 workers. In 2015 alone, Colorado created over 18,000 jobs. Florida is the perfect market for the cannabis industry to continue to grow we have the 3rd largest population in the state and already have over 100 million tourists visit a year. The economic impact of adult use in Florida can create over 30 thousand jobs, and over 200 million in tax revenue.\nA regulated adult use market for cannabis is showing an amazing and unexpected benefit to states that have passed it. Most importantly, study after study has shown there is no increase in teen use, and in fact some decrease in use. The numbers are clear that the biggest segment of the population turning on to cannabis are seniors, with the largest increase in use over the past few years. Cannabis has also had a profound effect on reducing opiate addiction, reducing usage by those who need it, decreasing overdose deaths, and cannabis is becoming an exit drug to addiction. Veterans with PTSD are also benefitting from the use of cannabis with a decrease in the suicide rate in legal states. The benefits of cannabis continue to be illustrated in society as people who use cannabis are less likely to abuse their spouses, get in bar fights, and overall living in a more harmonious lifestyle. The use of cannabis has also been shown to result in fewer absences by employees and no negative impact on workplace performance. An adult use market will helps us turn our prisons into profits, strengthen our impoverished communities, and become the cornerstone of building a better Florida.", "domain": "economics"}
+{"url": "https://www.emjcorp.com/accent-construction-services-prepares-for-signal-mill-project/", "date": "2023-12-07T16:30:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100677.45/warc/CC-MAIN-20231207153748-20231207183748-00732.warc.gz", "language_score": 0.9533367156982422, "token_count": 233, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__268167167", "lang": "en", "text": "Accent Construction Services, a member of the EMJ family of companies, looks forward to collaborating with The Woodbery Group to transform its vision for the new Signal Mill project in Chattanooga’s North Shore into a reality.\nThe Knitting Mill Antiques building spans 60,000 square feet with a two-and-a-half-story (with a windowed basement) structure.\n“It’s a 100-year-old, beautiful building,” said David Woodbery, the Atlanta developer. “We really want to bring out its character, its charm and its authenticity. People want that — and you can’t recreate it.”\nAccent will convert the building’s first and second floors into a space for boutiques, specialty food shops, offices and a second restaurant at the opposite end from Food Works, which will remain in the building. Parking spaces will also be added to the site.\nWoodbery wants to welcome the first tenants to the new Signal Mill building in early 2017.\nAntique Mall on North Shore to close by end of August; new owner to renovate property", "domain": "economics"}
+{"url": "https://burningriverag.com/services/", "date": "2020-10-25T04:27:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107887810.47/warc/CC-MAIN-20201025041701-20201025071701-00148.warc.gz", "language_score": 0.9147284030914307, "token_count": 277, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__167471750", "lang": "en", "text": "Most CPAs do not prepare tax returns with your retirement plan in mind. That’s not their fault; long-term tax planning for retirement typically isn’t part of a CPA’s job. And yet, your taxes play an enormous role in the retirement planning process!\nHaving both a CPA and CFP on your financial team is a smart money move. We work alongside your accountant as Certified Financial Planners, focusing on tax planning for today and tomorrow to help ensure you never pay more than you have to.\nBurning River Advisory Group is here to help you achieve financial independence. Reach out today to find out how we can help.\n2237 Crocker Road, Ste 150\nWestlake, Ohio 44145\nSecurities offered thru Registered Representatives of Cambridge Investment Research, Inc. a broker-dealer, member FINRA/SIPC. Advisory services offered thru Cambridge Investment Research Advisor, Inc. a Registered Investment Adviser. Cambridge and Burning River Advisory Group are not affiliated. Check out the background of firms and investment professionals on FINRA’s BrokerCheck\nThis communication is strictly intended for individuals residing in the states of CO, FL, IN, OH, NC, NV, NY, PA, TX, WI, and WV. No offers may be made or accepted from any resident outside the specific states referenced.", "domain": "economics"}
+{"url": "https://lawplus.vn/regulations-on-normal-retirement-age-and-elderly-workers-due-to-labor-code-2019/", "date": "2022-07-04T02:20:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104293758.72/warc/CC-MAIN-20220704015700-20220704045700-00586.warc.gz", "language_score": 0.9467704892158508, "token_count": 1736, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__159805556", "lang": "en", "text": "In order to ensure the conformity with the scale, structure, quality, status of the health and life expectancy of Vietnamese employees, Labor Code 2019 takes effective from January 01st, 2021 has amended and supplemented several regulations on retirement age. In addition, the Government has issued Decree 135/2020/NĐ-CP stipulates on adjusting retirement age.\nTable of Contents/Mục lục\n1. Retirement age\na. Retirement age under normal working conditions\nCurrently, the Law has not yet specified what is normal working conditions. However, from the classification of working conditions of the Ministry of Labor and War Invalids, it can be understood that: occupations and jobs with normal working conditions are light and comfortable occupations and jobs; occupations and jobs that are not stressful, toxic or have heavy and toxic targets but are within the permitted safety limits, psychological changes after labor recover quickly and health is not affected.\nAccording to the provisions of Clause 2, Article 169 of the Labor Code 2019, the retirement age of employees under normal working conditions shall be\n+ For male: 60 years and 03 months.\n+ For female: 55 years and 04 months.\nAfter that, each year increases by 3 months for male workers until they reach 62 years old by 2028 and 4 months for female workers until they reach 60 years old by 2035, according to the roadmap for adjusting the retirement age specified in the Labor Code.\nCases regulated for retirements at the lower age under normal working conditions:\nThe Labor Code also stipulates some retiring cases at the lower age. Employees in the following cases may retire at a lower age but must not exceed 05 years of age compared to retirement age prescribed above at the time of retirement, unless regulated otherwise by law:\n+ Employees with 15 years or more of working in heavy, toxic, dangerous, or particularly heavy, toxic or dangerous occupations or jobs on the list promulgated by the Ministry of Labor, War Invalids and Social Affairs.\nIn comparison with the previous law, the list of occupations with heavy, toxic and dangerous elements from March 01st, 2021 according to Circular 11/2020/TT-BLDTBXH has been supplemented with a significant number of occupations and jobs such as mine rescuer, pit miner, construction divers, management and exploitation of sea lamps in the Spratly Islands,…\n+ Employees with 15 years or more, working in areas with especially difficult socio-economic conditions, including working time in places with regional allowance coefficient of 0.7 or higher before January 01st, 2021.\nCurrently, the list of regions with especially difficult socio-economic conditions for 2021 is still drafted. However, it is possible to refer to some areas previously prescribed to be particularly difficult socio-economic conditions in several regulations such as: Spratly Island District, Paracel Islands District; mountainous communes as regulated by the local authorities;…\n+ Employees with working capacity decrease of 61% or more.\nIn order to prove this, the employee needs to prepare the examination dossier to implement the retirement benefits for the employees as prescribed in Circular 56/2017/TT-BYT and submit it to the medical examination council for assessing the decrease of working capacity.\n+ Employees have the total duration of heavy, toxic, dangerous, or particularly heavy, toxic, dangerous occupations or jobs and working time in areas with particularly difficult socio-economic conditions from full 15 years or more.\nb. Cases regulated for retirement at higher ages under normal working conditions\n– In the event of the employee and employer could reach an agreement, the employee shall continue working after the retirement age under normal working conditions.\nAccordingly, the employees in the above cases will be further adjusted according to the regulations on elderly workers. Specially:\n+ The elderly employee has the right to reach an agreement with the employer to shorten daily working hours or to apply the part-time working regime.\n+ In addition to the elderly workers’ benefits under the retirement regime, they are entitled to salary and other benefits as prescribed by law, labor contract.\n2. Pension regime\nFrom January 01st, 2021, the provisions of the retirement regime associated with the conditions on pension age under the Law on Social Insurance shall comply with the retirement age and conditions on pension age under the Labor Code 2019.\nThe law stipulates that employees who are subject to compulsory social insurance, unless otherwise prescribed by the Law on Social Insurance, when they leave their job with full 20 years of social insurance payment or more, they will be entitled to pension if falling into one of the following cases:\n+ Being 60 years old for men and 55 years old for women;\n+ Male from 55 years old to 60 years old, female from 50 years old to 55 years old and having enough 15 years of doing heavy, hazardous or dangerous occupations or jobs, or extremely heavy, hazardous or dangerous jobs on the list issued by the Ministry of Labor, War Invalids and Social Affairs, the Ministry of Health or having worked at a place with regional allowance coefficient of 0.7 or higher for 15 years before January 01st,2021;\n+ Employees with maximum age of 10 years lower than the retirement age of employees as prescribed in Clause 2, Article 169 of the Labor Code 2019 and have 15 years working as coal mining in pits;\n+ Persons infected with HIV/AIDS due to occupational risks while performing the given tasks.\nFemale workers who are cadres, civil servants or work part-time in communes, wards and towns that participate in social insurance when retiring with from 15 years to under 20 years of paying social insurance and reach the retirement age specified in Clause 2, Article 169 of the Labor Code, they shall be entitled to pension.\n3. Important note for enterprise employs elderly workers:\nTo stabilize the aging workforce, adjusting to increase the retirement age is a common trend implemented in many countries since the 2010s. This not only helps businesses avoid wasting experienced labor resources but also motivates businesses to develop more comprehensive remuneration policies for elderly workers. Here are a few notes for businesses that use this labor source:\n– Enterprise is forbidden to use the elderly employee to do heavy, hazardous, dangerous, or extremely heavy, hazardous or dangerous occupations or jobs that have a negative impact on their health, except for circumstance the enterprise can ensure the safety working conditions.\nFor the acts of using elderly employees to do heavy, toxic or dangerous jobs that adversely affect the health of elderly employees as prescribed, the employer shall be subject to a fine of from VND 10,000,000 to VND 15,000,000.\n– Employers have the responsibility to take care of the health of elderly workers at the workplace. Therefore, creating working conditions to extend long-term contracts with elderly workers is one of the issues that businesses need to pay attention to.\nAccording to the recommendation 162 of ILO on adjusting working conditions for elderly workers, after consulting the workers’ representatives or with the participation of their representative organizations, or through collective bargaining, the employer can take following measures at the level of the undertaking:\n(a) reducing the normal daily and weekly hours of work of older workers employed on arduous, hazardous or unhealthy work;\n(b) promoting the gradual reduction of hours of work, during a prescribed period prior to the date on which they reach the age normally qualifying workers for an old-age benefit, of all workers who request such reduction;\n(c) increasing annual holidays with pay on the basis of length of service or of age;\n(d) enabling older workers to organize their working time and leisure to suit their convenience, particularly by facilitating their part-time employment and providing for flexible working hours;\n(e) facilitating the assignment of older workers to jobs performed during normal day-time working hours after a certain number of years of assignment to continuous or semi-continuous shift work.\nIn addition to adjusting working conditions, enterprises can use collective agreement or individual negotiations between employer and worker can extend an older worker’s working life, provided the worker chooses to do it and supplies proof that he or she is healthy and fit to do the work.\nThe above is the entire analysis regarding the latest regulations on retirement age and elderly workers due to Labor Code 2019, along with several note for the enterprise that employ these workers. For detailed advice for retirement roadmap or recommendations of adjusting working conditions, please contact LawPlus via phone +842862779399 or email email@example.com.", "domain": "economics"}
+{"url": "https://smart-twigamarketing.com/how-to-restart-tourism-and-prepare-to-receive-international-travellers-this-summer/", "date": "2022-12-09T23:52:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711552.8/warc/CC-MAIN-20221209213503-20221210003503-00830.warc.gz", "language_score": 0.943303644657135, "token_count": 1420, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__176481365", "lang": "en", "text": "A Guide to Restarting Tourism and Preparing for Post Pandemic Travel\nA Guide to Restarting Tourism: Is Your Destination Ready to Receive International Travellers this Summer?\nWith the world slowly starting to re-open, the discussion to restart tourism continues behind the scenes, with many stakeholders questioning the ‘readiness’ of the popular vacation destinations in the world. It seems like time is moving so slowly in these unprecedented times but one of the key things that this pandemic has taught us is to be resilient! Our ability to deal with unexpected challenges whilst maintaining a smile on our face speaks volume to all the great people in the service industry. We’ve also learned that the recovery of tourism needs all players to be involved, and it is as important to get everyone on board right from the start with a well thought out plan to resume tourism activities. Looking at the bigger picture of future travels, we all have a key role to play.From the international airlines, tourism boards, local and international governments, to the tour operators, we all have been working hard to ensure that our guests will continue to stay safe on their amazing adventures when they begin to travel again. This post aims at providing some ideas that could guide any destination toward the successful restarting of tourism activities with hopes to receive tourists sooner than later in our respective destinations, resorts, camps and lodges.\nBroadcast our readiness to the source tourism markets\nWe have been impressed with the new standard operating procedures that several destinations have come up with and implemented at all stages of a client’s travel experience.\nFrom the standard temperature check-up stations at the airports, hand sanitization kiosks, to physical distancing signage, most destinations are now equipped with all necessary health measures to prevent the spread of coronavirus amid rendering of services. Now what?\nI think we need to delicately communicate our news with the world so as to have them remove any global travel restrictions that may prevent their citizens from travelling to Africa this summer and the remaining half of 2020. This involves not only us as operators but also our government representatives reaching out to foreign governments to share our message that African countries are open for business. After all, most African safari destinations have fewer COVID-19 cases than most of the western countries! The gate has to be open on both sides in order to allow free movement of people again!\nGet all major airlines on board with our plans to restart tourism\nWhile it’s exciting to see that several African destinations are working on health/safety initiatives to be the first countries to open the skies for airlines again, the last thing we want is to have a premature plan to reopen the skies and not have people coming to our destinations during this critical time of building a strong tourism comeback. Keeping that in mind, now is the time to think strategically and align the country with all major airlines to have them prioritize our destination over other competing safari and beach destinations within Africa. We also need to realize that most airlines have given vouchers for travellers who had to postpone their trips due to COVID-19, so once that wave of existing travellers is done, we need to have a plan in place beyond that to generate new bookings in our respective destinations, resorts, camps and lodges.\nAs you might know, many airlines are making necessary and expensive adjustments to comply with measures of social distancing inside the passenger cabin, these changes will certainly impact the cost of flight tickets in the short run.\nIf the airlines take the middle seat out (literally and practically) so as to allow at least one meter of space between passengers, then they will have to somehow distribute the cost for three seats amongst two people—naturally, this will make flight tickets more expensive. Many of us know how the laws of supply and demand works pertaining to pricing, if the major airlines have less flights to the country and the demand is high, then they might charge high prices per ticket to allow only the travellers who can afford the high prices to travel (works perfectly for airlines that need to create 1-2 meter space between passengers in the cabin).\nWhile we cannot control the prices for flight tickets that airlines will charge to bring our guests to Africa, I think the governments need to factor in “the actual cost” for our future international travellers and find small ways to compromise and make our destinations more affordable and accessible.\nBe ready to offer incentives to travellers and key tourism players\nWhile many of us (Wito Africa Safaris and other international operators) have become more flexible and sensitive with our approach to bringing safari back to safari goers, I think the African governments also have to come up with a unique plan that will win the hearts of our future travellers for 2020 and beyond. As part of the post COVID-19 recovery plan, perhaps governments should think of having cheaper entrance fees, concession and other local taxes that allow guests to access the parks. Some countries are even thinking of removing the fees for the tourist entry visa! Surely, these African governments will gain that visa money quickly in the form of taxes when tourists spend their money locally and contribute to the country’s economy. We should remember that some of our competitors (other vacation destinations) have cheaper landing and airport fees than our African destinations therefore we might need to use items like airport taxes and landing fees in our incentive package to get major airlines onboard.\nA short-sighted promotional video is not a strategy to restart tourism!\nA promotional video or website dedicated to showcase our destinations is not a solid plan—it is merely a marketing tactic that needs to be backed up by a solid strategy, specifically designed to help our destinations and all stakeholders gain the confidence of travellers post COVID-19! How many of us think that the millennials that we mostly target with our “sparkling marketing video” can afford a flight ticket to Africa if the airlines charge $3-$5K per economy ticket? We need to think outside the box and really establish “the WHY” first with our plans to restart tourism before we prematurely open the country or create another short-sighted promotional video!\nTo sum things up, the work to restart tourism has just started and now is the best time to get all stakeholders involved in the process of bringing back travellers from across the world to our stunning destinations. Remember, we are all in this together!\nAbout Smart Twiga Marketing:\nSmart Twiga Marketing is a representation agency dedicated to offering sales and marketing services to the tourism industry, focusing on both the inbound and outbound markets. Smart Twiga aims at bridging the gap between local East African operators and the North American market. Smart Twiga Marketing is determined to facilitate and simplify business dealings for safari operators. Our services are specific to solving a unique marketing problem, whether it is to introduce a new property, build awareness or acquire new agents, we specialize in building relationships and finding solutions that will help our clients to achieve the best results.", "domain": "economics"}
+{"url": "http://www.rogerlinndesign.com/free-shipping.html", "date": "2018-06-21T23:41:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267864303.32/warc/CC-MAIN-20180621231116-20180622011116-00444.warc.gz", "language_score": 0.9453248977661133, "token_count": 262, "dump": "CC-MAIN-2018-26", "global_id": "webtext-fineweb__CC-MAIN-2018-26__0__183177832", "lang": "en", "text": "Free Shipping to Many Countries\nBecause LinnStrument isn't available in many stores, I try to make it easy for customers around the world to buy direct from my site by offering free worldwide shipping to many countries. For LinnStrument, I ship by Federal Express International Economy. For AdrenaLinn III, I use US Postal Service Priority Mail International, which is flown to the destination country then handed off to the country's government post for final delivery.\nHowever, I have had delivery problems in some countries, and in the event that a shipment doesn't arrive, it's too expensive for me to pay for the shipping and to return the customer's money. For this reason, the free shipping is limited to the following countries:\n* New Zealand\n* South Korea\n* All EU countries\n* Russia (I must use expensive UPS for Russia shipments, so you must pay a flat $100 shipping fee.)\n* Costa Rica\n* South Africa\nOver the years, I have received almost no orders from countries other than the above. However, if your country isn't listed above, please email me because depending on current political conditions and other factors, I may be able to include free shipping to your country. Otherwise, I'll let you know the shipping cost to your country.", "domain": "economics"}
+{"url": "https://maleedit.com/afterpayvszip.html", "date": "2020-01-23T21:30:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579250613416.54/warc/CC-MAIN-20200123191130-20200123220130-00166.warc.gz", "language_score": 0.9352961182594299, "token_count": 437, "dump": "CC-MAIN-2020-05", "global_id": "webtext-fineweb__CC-MAIN-2020-05__0__169287727", "lang": "en", "text": "AfterPay is a bit like lay-by, but your purchases are sent to you before you’ve finished paying for them. It’s a deferred payment option you’ll see at many of your favourite stores. If you select to pay with Afterpay, your purchases will be posted to you within normal processing timeframes but you get eight weeks to pay off the total purchase price. AfterPay will divide the total cost into 4 separate equal payments over 8 weeks. For example, a $200 purchase will cost you $50 a fortnight for 4 payments.\nCustomers do not pay any fees or interest on their purchases, although they do occur a late fee and then another fee if the payment is not made within 7 days.\nDoes Afterpay do a credit check?\nNo. You’ll be automatically approved as long as you’re over 18 and have a working credit or debit card.\nZip | Pay gives customers a credit line of up to $1,000 and Zip | Money a credit line over $1,000. Unlike AfterPay, Zip allows customers a more variable timeframe to repay the purchase amount. The payment schedule is also more flexible, ranging from weekly to monthly. Once you’ve made a purchase, you choose how you’d like to repay. You can choose a weekly, fortnightly, or monthly repayment schedule. A minimum monthly payment of $40 is required.\nTo avoid a small monthly fee you need to pay off your purchase by the end of the month you receive your statement. You will receive your statement on the first day the month following your purchase (which is why you get “up to 60 days” fee free). After this date, a small monthly fee (currently $6) will be added to your outstanding balance.\nAll payments are 100% interest-free and you can sign up for direct debit so payments are made automatically from your bank account or credit card according to the repayment schedule that you’ve chosen.\nDoes ZipPay do a credit check?\nYes, upon applying with Zip Pay, you will need to do an identity and credit check", "domain": "economics"}
+{"url": "https://scott-harris.com/articles/finally-hope-for-underwater-homeowners", "date": "2017-09-26T07:17:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-39/segments/1505818695113.88/warc/CC-MAIN-20170926070351-20170926090351-00137.warc.gz", "language_score": 0.9633302092552185, "token_count": 410, "dump": "CC-MAIN-2017-39", "global_id": "webtext-fineweb__CC-MAIN-2017-39__0__21312601", "lang": "en", "text": "FINALLY, HOPE FOR UNDERWATER HOMEOWNERS\nRichard K. Barra, Esq.\nOver the past few years, we have all heard and read about magical government programs that promised to rescue distressed homeowners, allowing them to retain their homes, drastically reduce their monthly payments, and live happily ever after. Unfortunately, those mystical promises never seemed to materialize in the real world where lenders didn’t offer the programs, borrowers didn’t qualify for the ones that were offered, or the modifications extended the loan for another ten years, included thousands of dollars in costs, and reduced payments by $20 a month. Real hope, however, now exists for underwater homeowners via the latest Home Affordable Refinance Program (HARP).\nUnder the current HARP, underwater homeowners can refinance and significantly reduce their interest rate, resulting in substantial monthly savings. In order to qualify, a homeowner needs to meet the following criteria:\n(1) The mortgage must be currently owned or guaranteed by Fannie Mae or Freddie Mac;\n(2) The mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009;\n(3) The current loan-to-value ratio must be greater than 80% (which will be the case with underwater homes);\n(4) The mortgage cannot have been previously refinanced under HARP (with some exceptions); and\n(5) The borrower must be current on the mortgage loan, have not been in default in the last 12 months, and not be in foreclosure.\nUnder so many of the earlier scenarios, borrowers had to actually be in default before lenders would even talk to them. This program avoids the gut wrenching decision by borrowers to strategically default and also rewards the borrowers who struggled but still managed to make their payments.\nAlthough the program is not a panacea since principal does not get reduced, monthly payments can be significantly cut in many circumstances, easing the burden on the borrowers and allowing additional time for real estate values to rebound.", "domain": "economics"}
+{"url": "https://shop.3fe.com/product/bolivia-juana-gonzales", "date": "2019-05-19T21:37:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232255165.2/warc/CC-MAIN-20190519201521-20190519223521-00124.warc.gz", "language_score": 0.9206321835517883, "token_count": 219, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__205812184", "lang": "en", "text": "Bolivia - Juana Gonzales: Honey, Caturra\nHoneydew melon, brown sugar, red grape.\nThis coffee is from Juana's own farm, where she was able to try things that weren't initially agreed upon on the couple's main farm. In Latin America, only 20% of arable land is owned by women, and they are often excluded from the decision-making process. The Partnership for Gender Equity provides research and tools to tackle gender inequity at an industry level.\nWe're donating 50 cents from each retail bag sold to PGE, to help them develop the research and tools that will have long-lasting effects for the future of our industry.\nRead more about Juana and the Partnership for Gender Equity on our blog post here\n- Country: Bolivia\n- Farm: Juana Gonzales\n- Region: Loayza\n- Farm size: 3 Hectares\n- Altitude:1500-1680 m.a.s.l.\n- Varietal: Caturra\n- Process: Honey", "domain": "economics"}
+{"url": "https://www.quotabook.com/en-guide/adding-investment-updates", "date": "2022-12-03T21:43:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710941.43/warc/CC-MAIN-20221203212026-20221204002026-00135.warc.gz", "language_score": 0.8661076426506042, "token_count": 174, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__97379712", "lang": "en", "text": "🚩 Navigate to the fund’s page → [Investments / Returns]\n1. Click on [⁝] button from the specific investment you wish to update and select [Manage Updates/Valuation].\n2. Click on [Add Update History] from the upper right of the ‘Update History’ table and select [Add Company History].\n3. Select the type of change such as stock split or bonus issue and update necessary information.\n(You must fill in required fields with * to save the updated information.)\n1. If the portfolio company has been invested from multiple funds, you can also check changes in investment from other funds by ticking “Hide Updates by Other Transactions” to reveal transactions.\n2. Tick off the box if you’d like to hide any transaction information from other funds.", "domain": "economics"}
+{"url": "http://www.andrian.info/en/information/local-tax/index.html", "date": "2017-04-23T17:40:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917118740.31/warc/CC-MAIN-20170423031158-00419-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9056187272071838, "token_count": 168, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__228269397", "lang": "en", "text": "Beginning on 1 January 2014, a local tax will be introduced in SouthTyrol/Südtirol.\nThe revenue from this local tax will be used for the expansion and maintenance of infrastructure and services, as well as for the organization of cultural and sports events.\nThe local tax will be levied at all lodging establishments, on a per-guest and per-overnight-stay basis. The amount is contingent upon the category of the establishment.\nChildren and adolescents under 14 years of age are exempt from levy.\nThe local tax is payable upon departure and is listed separately on the invoice.\n1,00 € Hotel Three Star\n0,70 € Hotel One and Two Star, Appartments, Bed & Breakfeast, Farm Holiday\n© Webseiten Südtirol by Compusol", "domain": "economics"}
+{"url": "https://lotteryofficeaffiliates.com/", "date": "2024-04-19T12:03:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817398.21/warc/CC-MAIN-20240419110125-20240419140125-00309.warc.gz", "language_score": 0.9889557957649231, "token_count": 276, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__65838196", "lang": "en", "text": "Lotteries have been around for a good chunk of recorded human history, with the proceeds of early lotteries believed to have helped fund the building of the Great Wall of China in approximately 200 BC.\nDuring the reign of the Roman Empire, the first known European lotteries were held, although they were mainly used for amusement rather than to raise funds, and the prizes were usually gifts rather than cash. These early lotteries were different to many others, as most old lotteries were created to fund specific projects.\nIn the 1400s lotteries were used to help fund fortifications and to help the poor in what is now The Netherlands, Belgium and Luxembourg. At around the same time, they were used in Italy to fund war!\nIn American history, lotteries have been used to help establish settlements, build roads, churches, infrastructure and even Princeton and Columbia Universities! However, they were also used to finance war. It would be very interesting to see how American history may have been very different had lotteries not existed!\nThe model of using lotteries to fund projects has been used commonly ever since, with many modern lotteries used to fund various community projects today. At The Lottery Office, a percentage of all ticket sales go to our Charitable and Community Benefits Fund, supporting charities and community groups across Australia.", "domain": "economics"}
+{"url": "https://www.ingersolrealtysolutions.com/single-post/2017/02/26/understanding-the-short-sale-process-part-2-of-2", "date": "2021-01-20T20:34:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703521987.71/warc/CC-MAIN-20210120182259-20210120212259-00053.warc.gz", "language_score": 0.9551021456718445, "token_count": 715, "dump": "CC-MAIN-2021-04", "global_id": "webtext-fineweb__CC-MAIN-2021-04__0__2482813", "lang": "en", "text": "Understanding the Short Sale Process (Part 2 of 2)\nNo, there is no guarantee that this will work. Once you fall behind on your loan, the lender can proceed to foreclosure if they choose to. But typically, lenders prefer not to foreclose and, if effectively presented with smart alternatives, they will often agree to a short sale rather than foreclose. If a short sale is attempted but doesn’t work, your house will likely go to foreclosure.\nI Have More Than One Mortgage On My House. Can I Still Do A Short Sale?\nYes. Each mortgage can be negotiated individually. However, multiple mortgages make a short sale more complicated and time-consuming. Not only do you need the cooperation of the first lender, the second mortgage holder needs to agree to a short sale as well.\nWhat Is A Release?\nA lender may offer to “release” its security interest against the property in exchange for less than the total amount of the note. A release will allow the property to be sold without paying off the obligations of the note. However, the note is not satisfied. The advantage of a release is it allows the property to be sold and helps you avoid a foreclosure. The disadvantage is the remaining debt on the property (sometimes called a deficiency) still exists. You are still liable for the note. In other words, you still owe the money. In reality, it’s not likely that the lender will pursue the deficiency unless you have other significant assets. Furthermore, if you don’t attempt a short sale and the property goes to foreclosure, you can be liable for the full amount of remaining debt on any additional mortgages beyond your first mortgage.\nWhat Is A Satisfaction?\nA lender may agree to accept less than it is owed as complete and total satisfaction of the debt and release its lien against the property. Your note and obligation to the lender are satisfied for less than you owe. When the property is sold, the debt is paid off completely. Sometimes short sale negotiations are successful in obtaining complete satisfaction. Sometimes all that can be obtained is a release.\nAre There Tax Consequences?\nWhen a lender cancels, or forgives, your debt, the tax laws may consider the forgiven debt as taxable income. If a lender agrees to a satisfaction, the Mortgage Forgiveness Debt Relief Act of 2007 provides that debt forgiveness of up to $2 million is not considered taxable income if:\nThe house has been used as your principal place of residence for at least two of the previous five years.\nThe debt has been used to buy, build, or make substantial improvements to the home.\nHome equity loans where the money was not used to buy, build, or improve the home do not qualify for the exclusion. Neither do mortgages for second homes or rental properties. The law has been extended to include debt forgiven through 2013.\nThere are additional tax considerations to keep in mind. A debt cancellation will affect your property’s cost basis. Insolvency or bankruptcy may also alleviate some of the tax burdens of a debt cancellation resulting from a short sale. You should always confirm tax matters with your tax professional.\nWhy Use DPS Network\nDPS Network has a team of real estate experts with over 50 years of experience with buying and selling of real estate including both short sale and foreclosures, real estate mortgages, and real estate mortgage litigation, and together we can offer that knowledge and experience to help alleviate the pressure and help our clients achieve their goals.", "domain": "economics"}
+{"url": "https://brentbeckley.us/when-should-you-hire-a-consultant/", "date": "2020-09-18T13:32:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400187899.11/warc/CC-MAIN-20200918124116-20200918154116-00753.warc.gz", "language_score": 0.9453917145729065, "token_count": 417, "dump": "CC-MAIN-2020-40", "global_id": "webtext-fineweb__CC-MAIN-2020-40__0__104537162", "lang": "en", "text": "Businesses often need to hire the services of qualified consultants who provide consultation services on specific topics of particular interest. Any business can require the services of any of the five categories of consultants commonly available in the market today. To benefit optimally from such services, businesses need to evaluate their particular needs and look for the most qualified and experienced consultant. Businesses can require hiring the services of consultants for a number of reasons.\nDemand for expertise in service provision: Sometimes, a business may require to be provided with technical expertise on a particular area of interest. In case the business’s existing workers are not competent in providing such services, then the owners will need to outsource the service for a limited duration of time.\nDemand for independent assessment: In cases where a business needs to undertake an independent and surgical analysis or any other type of internal evaluation, hiring the services of a consultant would be the right way to go. For instance, a business in need of an independent forensic audit on its financial books will need to find the services of a financial consultant.\nSupplementing the existing staff: Businesses may also need to hire consultants who would provide additional manpower and skills to the existing staff members. This is particularly the case in instances where an organization’s workforce needs expanded skill base, competency, and production capacity. The presence of the consultant in such an environment increases the productivity of the workforce for a limited duration of time.\nEmployee training: Consultants may also be hired with a special focus on training the existing workers to expand their knowledge and skill base. To achieve this objective, the organization may target hiring employee training consultants or even hire technically skilled workers who would then be embedded into the existing workforce to impart desired skills on the workers.\nProviding influence: Consultants may also be hired by businesses as a way of creating internal and external social influence. In this regard, a consultant embedded within the workforce may give the employees the necessary motivation they so much desire to boost their performance. The consultant may also socially influence businesses’ customers into maintaining their loyalty.", "domain": "economics"}
+{"url": "https://randde.com/about-us/", "date": "2022-10-06T17:25:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030337853.66/warc/CC-MAIN-20221006155805-20221006185805-00523.warc.gz", "language_score": 0.9689621925354004, "token_count": 152, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__120877039", "lang": "en", "text": "David Erikson and Rick Osterdyk started from small and simple means back in 2001 to create R & D Engineering and Machine. As a small business, it was their goal to create a company that serviced the booming medical device market in the Minnesota area. Over the years, R&D Engineering has become a supplier to many of the world’s leading medical device companies in the areas of tooling, custom automation, catheter manufacturing equipment, and service. From its humble beginnings, R&D has developed a full line of Cath-Tech catheter manufacturing equipment and has hundreds of machines installed across the world. In 2017, R&D Engineering moved into a new facility in Brooklyn Park, MN to expand its manufacturing capacity and technologies.", "domain": "economics"}
+{"url": "https://dashboard.dshowcase.com/digital-catalog-new-for-2022/", "date": "2022-09-25T20:52:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030334596.27/warc/CC-MAIN-20220925193816-20220925223816-00354.warc.gz", "language_score": 0.9614693522453308, "token_count": 209, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__155610166", "lang": "en", "text": "DSI is excited to announce the introduction and launch of our 2022 Digital Catalog.\nOver the last ten years, there has been a noticeable increase in cost for both printing and postage. Because the cost to produce, print, and mail physical catalogs became such a large expense, many dealers decided to reduce the number of catalogs they would use each year.\nNow, as pricing continues to fluctuate in this volatile market and product availability is dependent on disrupted supply chain, DSI has chosen to migrate to a fully digital catalog which can be updated in real time rather than just once per year.\nThe digital catalog is available and online now at https://dsicatalog.com.\nDSI is also introducing a brandable “Tap & Go” card that will launch the DSI catalog just by tapping the card on the user’s phone. There’s also a QR code and web address on the back which will open the catalog if the user scans the QR code with the camera on their phone.", "domain": "economics"}
+{"url": "https://www.weedworthy.com/the-news/press-releases/categories/technology?start=160", "date": "2022-09-28T12:37:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030335254.72/warc/CC-MAIN-20220928113848-20220928143848-00506.warc.gz", "language_score": 0.9634049534797668, "token_count": 434, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__103421347", "lang": "en", "text": "Cannabis Global, Inc. (OTC PINK:CBGL), an innovation-oriented company investing in disruptive cannabis technologies, today releases an update letter from its CEO on recent and upcoming events.\nDear shareholders of Cannabis Global, Inc.\nOver the past week, a considerable amount of attention has been focused on the Cannabis sector with two possible congressional actions to create a nationwide legal framework for both recreational and medical cannabis usage. With increased focus on the sector, I thought it would be an excellent time to provide our shareholders with an update on the very positive developments occurring at our company.\nRevenue generation: As we have recently announced, our company is beginning to gain traction, which is clearly being seen in the growth of our revenues across multiple sectors. While we have not yet reported results for our most recently closed fiscal quarter, which ended on February 28, we expect the growth patterns we experienced late last year to continue. This revenue growth is being driven by new products entering the market, an increase in our distribution efforts, and the acquisition of numerous new retail dispensary customers throughout California. We expect these trends to not only continue, but to likely accelerate.\nSuccessful revamping of product mix: As the cannabis consumption in the primary metropolitan areas of California has matured, cannabis customers are demanding a variety of new products. We have followed one of the major growth trends in the industry and revamped our product offerings accordingly. Our Live Rosin products, which are produced without any solvents, continue to gain strong traction with multiple orders coming into the company. As a result, we have significantly geared up our manufacturing capability in this area. We are expecting the solventless trend to accelerate as we move throughout 2022.\nProduct line acquisitions: We recently announced the acquisition of several product lines from a successful branding and marketing group, Caliwanna. These grants are now being marketed through Cannabis Global and we are working with Caliwanna‘s staff to immediately bring our current products to a much wider dispensary audience throughout California. This will include not only our solventless extract products, but also Live Rosin infused pre-rolls, and cannabis infused edibles.", "domain": "economics"}
+{"url": "http://www.berdonllp.com/resources/client-alerts/sec-sets-examination-priorities-for-2016/", "date": "2018-02-25T03:45:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891816094.78/warc/CC-MAIN-20180225031153-20180225051153-00593.warc.gz", "language_score": 0.9394450187683105, "token_count": 1013, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__52917858", "lang": "en", "text": "The Securities and Exchange Commission (SEC) has issued its 2016 Regulatory and Examination Priorities Letter identifying new areas of focus, as well as issues of ongoing concern for investment advisors and broker dealers. This document can serve as a guideline for investment advisors and broker dealers to examine and adjust compliance and risk management functions in order to better protect both investors and the organization itself.\nFor 2016, the SEC's examination program will focus on three key areas:\n1. Examining matters of importance to retail investors, including investors saving for retirement;\n2. Assessing issues related to market-wide risks; and\n3. Using data analytics to identify and examine registrants who may be engaged in illegal activity.\nProtecting Retail Investors and Investors Saving for Retirement\nRetirement-Targeted Industry Reviews and Examinations (ReTIRE): This SEC initiative will continue to focus on services offered to investors with retirement accounts. Examinations will include assessing potential conflicts of interest, whether there is a reasonable basis for the recommendations to investors, supervision and compliance controls over registered representatives and representatives of investment advisors, and marketing and disclosure practices.\nExchange-Traded Funds (ETFs): The Commission will examine compliance with applicable regulations under the Securities and Exchange Act of 1934, the Investment Company Act of 1940, and other regulatory requirements. In addition, the SEC will review redemption processes and unit creation, along with sales strategies, disclosures, and the adequacy of risk management. The Commission will also review trading practices, excessive portfolio concentration, and the suitability, particularly in niche or leveraged/inverse ETFs.\nBranch Offices: The Commission will continue to review supervision of registered representatives and investment advisor representatives in branch offices of SEC registered investment advisors and broker dealers. Data analytics, among other tools, will be used to identify potentially inappropriate trading activities.\nFee Selection and Reverse Churning: The SEC will continue its focus on various types of fee arrangements (asset-based fees, hourly fees, wrap fees, commissions) between the investment advisors/broker dealers and their retail investors. The goal is to determine whether the recommendations were in the best interest of the client.\nVariable Annuities: With variable annuities becoming a more prevalent investment strategy for many retirees, the commission will assess the suitability of these products for investors, as well as the adequacy of fee and service disclosures.\nPublic Pension Advisers: The Commission will review advisors to municipalities and other government entities - focusing on pay-to-play and other key risk areas related to relationships between advisors and public pensions.\nAssessing Market-Wide Risks\nCybersecurity: The focus this year will be on assessing the implementation of procedures and controls relating to cybersecurity.\nRegulation Systems Compliance and Integrity (SCI): The Commission will examine written policies and procedures designed to ensure the capacity, integrity, resiliency, availability, and security of systems at exchanges and market centers. Examination priorities will include a review of the resiliency of primary and backup data centers, geographical diversity of primary and backup data processing centers, and security operations risk factors.\nLiquidity Controls: There will be a review of advisors to mutual funds, ETFs, and private funds that have exposure to potentially illiquid fixed income securities. Examination priorities will include market risk management, valuation, liquidity management, trading activity, and regulatory capital.\nUsing Data Analytics to Identify Signs of Potential Illegal Activity\nRecidivist Representatives and their Employers: Ongoing examination initiatives will look at employee hires of investment advisors/broker dealers who have been disciplined or barred by regulatory agencies.\nAnti-Money Laundering (AML): The SEC will assess the AML programs at broker dealers. The examination priorities will include suspicious activity reports (SARs) - reviewing numbers or reports filed based on the firm's business model and incomplete or late SARs. The commission will assess the adequacy of the independent testing and the extent to which firms consider and adapt their programs to current money laundering and terrorist financing risks.\nMicro Fraud: The SEC will use data to examine potential \"pump and dump\" schemes or other forms of market manipulation.\nProduct Promotion: There will be a focus on sales practices associated with complex new and potentially high risk products.\nThe SEC has also noted additional examination priorities, specifically, municipal advisors, private placements, never-before-examined registered investment advisors, private fund advisors, and transfer agents\nThe SEC is continuing to focus on investor protection, managing operational risk and use of advanced analytics to identify potentially illegal behavior. In addition, the Commission has committed to conducting risk based exams at those investment advisors and investment companies that have not previously been examined. Significant resources have been committed to the examination program and firms should be well prepared for these examinations.\nQuestions? Contact your Berdon advisor or Alexander Moshinsky at 212.331.7448 | firstname.lastname@example.org. Berdon LLP, New York Accountants", "domain": "economics"}
+{"url": "https://imsnoida.com/an-insight-into-international-business-management-mib-at-ims-noida-shaping-global-leaders/", "date": "2024-04-19T21:17:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817455.17/warc/CC-MAIN-20240419203449-20240419233449-00781.warc.gz", "language_score": 0.891852855682373, "token_count": 717, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__83300049", "lang": "en", "text": "In an increasingly interconnected world, the realm of International Business Management (MIB) has emerged as a dynamic and essential field. At IMS Noida, the pursuit of excellence in this domain has become synonymous with creating global leaders. Through a comprehensive curriculum, industry exposure, and a nurturing environment, Institute of Management Studies shapes the future of international business and sets its students on a path of global success.\n1. Global Curriculum, Local Relevance: IMS Noida’s MIB program boasts a cutting-edge curriculum, finely tuned to cater to the complexities of the international business landscape. With a mix of theoretical knowledge and practical insights, students gain a deep understanding of global economics, finance, marketing, and cross-cultural management. The emphasis on local relevance ensures that graduates are well-equipped to navigate the diverse markets around the world.\n2. Expert Faculty with Global Experience: The faculty at IMS Noida comprises distinguished academicians and industry practitioners with extensive international experience. Their guidance and mentorship provide students with real-world perspectives, helping them grasp the intricacies of conducting business on a global scale. Regular guest lectures by eminent personalities from the global business sphere further enrich the learning experience.\n3. Internships and Industry Tie-Ups: IMS Noida places great emphasis on experiential learning through internships and industry tie-ups. Students have the opportunity to intern with multinational corporations, enabling them to apply classroom knowledge to real-world challenges. These practical exposures not only build confidence but also enhance the employability of graduates.\n4. State-of-the-Art Infrastructure: IMS Noida boasts state-of-the-art infrastructure designed to foster creativity, critical thinking, and collaboration among students. Modern classrooms, well-equipped laboratories, and access to extensive digital resources create an environment conducive to both academic and personal growth.\n5. Global Immersion Programs: To nurture a truly global perspective, IMS Noida offers exclusive global immersion programs in collaboration with renowned international universities. These programs expose students to diverse cultures, business practices, and the opportunity to build a global network of peers – all of which are vital for success in the international arena.\n6. Cultural Exchange and Student Activities: IMS Noida promotes a vibrant campus life, encouraging cultural exchange and fostering a sense of camaraderie among students from various backgrounds. Global festivals, business summits, and international conferences are organized regularly to provide exposure to global business trends and foster cross-cultural understanding.\n7. Entrepreneurship and Innovation: MIB graduates from IMS Noida are not just job seekers but also job creators. The institute nurtures an entrepreneurial spirit, encouraging students to ideate, innovate, and launch their ventures. Incubation centres and mentorship programs provide the necessary support to turn entrepreneurial dreams into reality.\n8. Alumni Success Stories: IMS Noida takes immense pride in its accomplished alumni, who have left an indelible mark on the global business landscape. These success stories serve as an inspiration to current students and reaffirm the institute’s commitment to grooming future leaders.\nInternational Business Management at IMS Noida transcends conventional boundaries, preparing students to excel in the fast-paced and ever-changing global economy. With its unwavering commitment to academic excellence, global exposure, and holistic development, IMS Noida remains a preferred destination for aspiring global leaders. Embrace the transformative journey of MIB at IMS Noida and unlock a world of possibilities in the international business arena.", "domain": "economics"}
+{"url": "http://www.cholseytennisclub.co.uk/uncategorized/coronavirus-updates/", "date": "2020-08-05T22:33:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439735989.10/warc/CC-MAIN-20200805212258-20200806002258-00525.warc.gz", "language_score": 0.9435869455337524, "token_count": 237, "dump": "CC-MAIN-2020-34", "global_id": "webtext-fineweb__CC-MAIN-2020-34__0__21370824", "lang": "en", "text": "This is a further update in response to the severe ongoing health and social concerns besetting us all. The Committee are conscious that Members may be facing financial hardship due to loss of income, and that it is not right that Members should be asked to pay for a facility they cannot use.\nThe Club will therefore postpone the membership renewal process from the annual date of 1st April 2020. This process will be reactivated when the Club reopens. Those members who already paid will be refunded in full.\nWhen the Club is able to reopen, we will notify all members of the revised and reduced fees which will take account of the period of closure.\nBest wishes to all,\nCholsey Tennis Club Committee\nUnfortunately due to the Coronavirus the courts and clubhouse are now closed until further notice.\nPlease see latest details from LTA - https://www.lta.org.uk/about-us/tennis-news/news-and-opinion/general-news/2020/march/coronavirus-covid-19---latest-advice/\nKeep well and stay safe\nCholsey Tennis Club", "domain": "economics"}
+{"url": "https://bossforexsignal.com/", "date": "2019-04-19T01:19:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578526923.39/warc/CC-MAIN-20190419001419-20190419023419-00117.warc.gz", "language_score": 0.9309893846511841, "token_count": 300, "dump": "CC-MAIN-2019-18", "global_id": "webtext-fineweb__CC-MAIN-2019-18__0__24911661", "lang": "en", "text": "We are Premium Forex Signal Provider.\nOur all trading signals BUY/SELL, Limit order comes with proper Entry, Stoploss and Target (TP). So you can manage your risk and safeguard your profits with our system\nOur trading team is checking the market 24 hours a day to detect useful entry points for your trading.\nReceive instant notifications every time we open or close a trade. This includes detailed information in the open price, target, stop-loss and time of trade.\nOur Signal Service is 7.000 - 15.000 points a month. This is generated with a 70% win-rate and healthy 1:3 risk to reward ratio\nFollowing are some advantages of using Forex trading signals\nYou don't have to spend any time or efforts on news monitoring or technical analysis, instead just follow the trading signals and make money every month.\nSignals are delivered via Whatsapp and Email which means you can trade on the go as well.\nYour risk is capped to a certain level as professional traders always follow proper risk-management practices. So no need to worry about emotional trading decisions or abrupt changes in trading plans which are some common causes why mostly traders lose money in the Forex industry.\nYou don't have to be even a Forex trader to follow the signals. If you are in real estate or any other business and want to diversify your portfolio by investing in currencies or metals then Forex trading signals is something you should seriously consider.", "domain": "economics"}
+{"url": "https://silkko.ru/en/our-history/", "date": "2023-09-26T16:39:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510214.81/warc/CC-MAIN-20230926143354-20230926173354-00283.warc.gz", "language_score": 0.977480411529541, "token_count": 849, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__305217393", "lang": "en", "text": "The Silk Collection Enterprise was founded and operates in the Kolchuginsky District of the Vladimir Region.\nFor this area, artistic hand-free painting of fabrics is traditionalart.\nThe Kolchuginsky district area used to belong to the old Ilmekhotsk camp, whose lands stretched from the sources of the Peksha River to the place of its confluence with the Klyazma River. The lands of the Ilmekhotsk camp, when compared with the lands of the neighboring Yuryev-Suzdal opolye, were poor in agricultural resources. Therefore, various handicrafts were widespread among the peasantry.\nIn the XVI-XVII centuries scribes, there was a mentioning of smoking smithies, which started the Slavic settlements-villages along the Peksha River, and such crafts as blacksmith, copper, copper foundry and crusher-forging production gradually began to develop. A little later, weaving joined this number of crafts.\nIn the 19th century, the Vladimir province was known as the chintz region, because one third of all cotton fabrics in Russia were there. The first woolen manufactories appeared at the end of the 17th century, and linen manufactories were developed at the beginning of the 18th century. In that century, silk-velvet craft began to develop rapidly in Vladimir region. And by the second half of the 19th century, residents of 57 villages between the Volga and Klyazma were engaged in it.\nThe modern city of Kolchugino and the Kolchuginsky district were formed on the territory of the Vladimir province villages of Tonkovo, Vasilievskoye, Litvinovo, Dubki, Vaulovo, their inhabitants were also historically engaged in weaving and painting on fabric. Initially, flax, wool, hemp, nettles, linden bast were used as raw materials for the craft, and by the end of the 18th century, silk was also used.\nIn the 19th century, residents of the surrounding settlements were making velvet, printed and painted scarves, producing the famous ‘Baranovsky calico’.\nA special role in the development of hand-painted fabrics was played by the proximity of Kolchugino to the capital – Moscow (XIV-XVIII centuries), as well as to the large nearby cities of Vladimir and Alexandrov. The Royal court demand for the highly artistic and expensive products led to the emergence of craftsmen and artels who specialized in decorating fabrics and finished products.\nAt a later time, the development of crafts associated with weaving and painting on fabric was facilitated by the establishment of the city of Kolchugino as a copper foundry industrial center. The first copper smelter was opened there by the merchant of the 1st guild A.G. Kolchugin and the city acquired the status of a working village in 1931. Since that time, the population of Kolchugino started to grow, there were new schools, art and craftcolleges. The creative\nintellectualsand the relative availability of art education, contributed to the beginning of the production of hand-painted scarves (mid-1830s). The main supplier of raw materials was the Kirzhach Silk Factory, which produced fabrics from natural silk.\nIn 1993 the “Zenith”enterprise was opened in Kolchugino, one of its activities was painting on metal samovars, teapots and other utensils produced at the S. Ordzhonikidze Kolchuginsky plant. A section for painting on natural silk was also launched at the enterprise. The production of shawls and scarves was established.\nIn 2000, in Kolchugino, a sole proprietor O.A. Shevtsova opened a production facility that specialized in the manufacturing of products from fabrics, decorated using the hand-painting technique called cold batik. In 2006, “Silk collection”LLC was incorporated on the basis of SP O.A. Shevtsova.", "domain": "economics"}
+{"url": "https://sabinafurstdesigns.com/blogs/news/supporting-our-community-through-mothers-day", "date": "2023-12-11T15:34:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679515260.97/warc/CC-MAIN-20231211143258-20231211173258-00667.warc.gz", "language_score": 0.949458658695221, "token_count": 101, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__10236664", "lang": "en", "text": "We're supporting our community! From now through Mother's Day, 20% of all sales will be donated to the CT Food Bank to help stop hunger during these unsettling days due to the Covid-19 Pandemic.\nBrowse our top picks for Mother's Day here.\nUPDATE: We did it! Thanks to all who purchased jewelry from us for making our Mother's Day fundraiser a success! Because of you, we raised enough to provide 360 meals to the CT Food Bank! Woot!!", "domain": "economics"}
+{"url": "http://www.gsi-alliance.org/usac/", "date": "2019-07-22T14:32:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195528037.92/warc/CC-MAIN-20190722133851-20190722155851-00453.warc.gz", "language_score": 0.9405832290649414, "token_count": 201, "dump": "CC-MAIN-2019-30", "global_id": "webtext-fineweb__CC-MAIN-2019-30__0__207959402", "lang": "en", "text": "US SIF Conference\nMay 4-6, 2015 - Chicago\nThe Forum for Sustainable and Responsible Investment will be hosting its Annual Conference at the Westin Michigan Avenue in Chicago, IL from May 4-6, 2015. May 4th is programming for US SIF members-only including a reception, policy briefing, working group meetings, US SIF’s annual meeting and other special programs. The national conference will open on May 5th and will end on the 6th.\nMore than 350 attendees enjoyed our 2014 Conference, Markets, Mission and Materiality, which covered a wide breadth of topics, including global trends in sustainable and responsible investment, millennials and impact investing, and corporate sustainability practices. The 2015 conference will offer a unique opportunity to network with leaders of sustainable and responsible investing, to hear from leading investors, CEOs and policy makers, and to learn about new approaches, trends and policy developments in the field. We hope to see you there!\nFor more information please click here", "domain": "economics"}
+{"url": "http://www.eximbank.com/eng/6/pg/972/", "date": "2019-01-23T23:13:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547584415432.83/warc/CC-MAIN-20190123213748-20190123235748-00424.warc.gz", "language_score": 0.9424658417701721, "token_count": 149, "dump": "CC-MAIN-2019-04", "global_id": "webtext-fineweb__CC-MAIN-2019-04__0__107259544", "lang": "en", "text": "After March 31st, 2016 the charge will not apply for following card types:\n- Social cards\n- Visa Gold and MasterCard Gold cards\n- Cards with a credit limit\nThis service offers cardholders the possibility to receive SMS notifications for each transaction performed using their card.\nThe service is an additional measure for avoiding unauthorized card use, promptly informing its owner of any transaction involving the card.\nSubscription can be made at any branch of EXIMBANK-Gruppo Veneto Banca for all cards issued by EXIMBANK-Gruppo Veneto Banca, regardless of currency or type.\nThe service operates across national coverage of mobile operators, as well as abroad, in networks where roaming agreements exist.", "domain": "economics"}
+{"url": "https://www.centrimex.com/en/customs/", "date": "2024-02-27T09:53:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474674.35/warc/CC-MAIN-20240227085429-20240227115429-00705.warc.gz", "language_score": 0.9254539608955383, "token_count": 331, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__132185292", "lang": "en", "text": "Authorized customs broker\nTo offer you peace of mind and save you time by taking care of all customs formalities in all French ports and airports, both import and export, whatever your types of goods.\nWithin each Centrimex site in France, specialist customs teams are available to answer all your requests, and operate a daily regulatory watch.\nAuthorized Economic Operator\nCentrimex obtained the status of Authorized Economic Operator (A.E.O.) in 2012, issued by the Customs Administration.\nA.E.O.’s purpose is to simplify customs clearance procedures and secure trade\nThe advantages of A.E.O.\n▸ A customer-oriented quality approach based on a quality recording system and audit and continuous improvement processes,\n▸ Simplification of customs operations:\nreduction in the number of physical and documentary checks, priority treatment of consignments during checks, choice of place of control, easy access to customs simplifications, reduced data for summary declaration, prior notification in the event of control.,\n▸ Provisions related to safety and security through a strengthening of security systems around the goods entrusted by our customers and a strengthening of the level of vigilance of our teams.\nCentrimex owns customs approval number 3408.\nThis customs approval authorizes us to operate customs clearance for your account according to different modes of representation (direct or indirect representation), for all customs procedures (final or temporary) and using all the procedures made available by the Administration of customs (customs clearance at border points, in inland offices or directly in businesses through domiciled and customs warehouse procedures.", "domain": "economics"}
+{"url": "https://www.emeraldcitycarpetrepair.com/save-money-with-carpet-repair/", "date": "2021-07-27T08:12:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046153223.30/warc/CC-MAIN-20210727072531-20210727102531-00070.warc.gz", "language_score": 0.9342722296714783, "token_count": 491, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__243628080", "lang": "en", "text": "If your carpets have seen better days and are in desperate need of some tender loving care, you’ve likely considered either repairing your carpet or replacing it completely.\nSo which option is really best for your budget and for your home? Here’s a simple break down.\nThe Cost Of Carpet Repair Vs. Replacement\nThe cost of carpet repair will vary based on the extent of the damage, the carpet material, and the size of the area to be repaired. The great news is, a wide variety of damages can be restored through carpet repair—like stretching, burn marks, pet stains, flood damage, wripples, tears, patches, and more.\nNo matter the type of damage, carpet repair is very affordable. In fact, the national average carpet repair cost is $181—with a minimum average of about $50 and a high end of $400.\nIf your carpets are more than 20 years old, carpet replacement may be an option to consider. However, carpet replacement is significantly more expensive than carpet repair.\nThe cost of new carpet depends on room size and shape and the type of carpet being installed. Carpet materials can range from $1 per square foot to $45 per square foot, plus the cost of carpet padding, labor and additional installation fees. These add on costs typically range from an additional $0.50 to $3 per square foot.\nMost homeowners end up paying between about $800-$4,000 on their carpet installation project.\nCarpet Repair Is The More Cost-Effective Choice\nWhile some carpets may need to be replaced entirely, it’s clear that carpet repair costs significantly less than carpet replacement.\nThere are a lot of variables that go into how much a carpet repair or carpet installation project will cost due to many different room sizes and shapes and carpet materials to choose from. However, even the most expensive carpet repair projects typically cost hundreds of dollars less than the most affordable carpet installation jobs.\nCarpet Repair Specialist In Seattle, Washington\nRather than saying goodbye to your damaged carpet, give it a second chance with help from Emerald City Carpet Repair! We’re equipped to handle a variety of carpet damages like tearing, rippling, stretching, stains, burn marks, and so much more.\nContact us today to get started on your carpet repair project in Snohomish or King County, Washington!", "domain": "economics"}
+{"url": "http://johansens.us/sane/personal/ira.htm", "date": "2023-09-29T01:12:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510462.75/warc/CC-MAIN-20230928230810-20230929020810-00313.warc.gz", "language_score": 0.9658043384552002, "token_count": 1572, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__176660753", "lang": "en", "text": "by Jay Johansen | Aug 8, 2022\nShould you put your retirement money in a \"traditional\" IRA or a Roth IRA? I've seen a lot of discussions about the relevant merits. And frankly, many of them clearly didn't do the arithmetic.\nThe key difference between the two is this: WIth a traditional IRA, when you deposit money to your account, you can deduct it from your taxes in the year that you deposit, and you then have to pay taxes on it when you withdraw it. With a Roth IRA, there is no deduction when you deposit, and therre is no tax when you withdraw. So effectively, with a traditional IRA, you don't pay taxes on the money the year you deposit, but you do pay taxes the year you withdraw. You \"defer\" your taxes. With a Roth IRA, you pay taxes the year you deposit, but you don't pay taxes the year you withdraw.\nSo which is better? Let's calculate for a simple example. Let's make the following assumptions for an example: You have $1000 to save. Between when you depoit the money and when you withdraw it, interest or profits on your investment will result in the money doubling. And you are in a 20% marginal tax bracket both when you put the money in and when you take it out. I'll discuss the validity of these assumptions in a moment, but please just go with them for now.\nSo with a traditinoal IRA: You have $1000. This is tax deductible, so you deposit the full $1000 into your IRA. The money doubles to $2000. Then you withdraw it. You now have to pay 20% taxes, or $400. You end up with $1600.\nWith a Roth IRA: You have $1000. You have to pay 20% tax on this, so that leaves you with $800 to deposit into your account. The money doubles. You now have $1600. There is no tax when you withdraw it, so you end up with $1600.\nNote that the two numbers are exactly the same. Instead of using example numbers we could use a little algebra and prove that the two numbers will always be exactly the same no matter what numbers you use, as long as you assume that the amount invested, growth rate, and tax rate are the same in both cases.\nIf you don't want to get into the algebra, skip the next paragraph.\nLet p be the amount to invest, t be the tax rate, and r be the growth rate. So in this example, p=1000, t=20%, and r=2. But they could be anything. With a traditional IRA, you're ending amount is p x r x (100% - t). With a Roth IRA, the ending amount is (p x (100% - t)) x r. The only difference is the order of the factors. Multiplication is commutative, that is, when you multiply two or more numbers together, you get the same result regardless of the order. 2 x 3 x 4 is the same as 4 x 2 x 3, etc.\nI said we'd get back to the question of whether these assumptions are valid. The amount to invest is just an example. Plug in any number and, as long as you invest the same amount regardless of whether it's traditional or Roth, the result is the same. There's no reason why you'd have more money to invest with one type of IRA versus the other, so this is valid.\nAt this point some say, \"Wait, if I have $1000 to invest in a Roth IRA, who says I have to subtract the taxes from that amount before saving? I could pay the taxes with other money.\" Well, sure. But then you're not allocating $1000 to your investment, you're allocating $1200. If you have an extra $200 available when you make your deposit, then if you were depositing to a traditional IRA, why not add in that $200? Comparing putting $1000 into one investment versus putting $1200 into a different investment is not a fair comparison.\nLikewise, assuming that the money doubles is just an example, and you could substitute any growth rate you believe is plausible in there. Note that I didn't say how long it takes for the money to double because it doesn't matter to the calculation. And it's irrelevant, as long as you assume the same growth for both types of account. Roth IRA money and traditional IRA money are typically invested in exactly the same funds, so both should get the same growth rates.\nFinally, what about the tax rates? Here the assumption is NOT valid. The tax rate you pay changes over the course of your life. We have a progressive tax system: if you make more money, not only do you pay more, but you pay at a higher rate. If you make $20,000 per year you pay 12%, but if you make $600,000 per year you pay 37%. (As of 2022. The rates and brackets change all the time.)\nMost people start out making very little money. Then as they grow in experience and their career advances, their income goes up, and their tax rate also goes up. When they retire their income usually falls rather sharply, so their tax rate goes down.\nLet's run the above example again but with one difference: You are in a 20% tax bracket when you deposit, but 10% when you withdraw.\nWith the traditional IRA: You have $1000. You pay no tax when you deposit. The money doubles to $2000. When you withdraw, you pay 10%, or $200. You keep $1800.\nWith the Roth IRA: You have $1000. You pay 20% tax, leaving you $800 to deposit. The money doubles to $1600. There is no tax when you withdraw so you keep $1600.\nNote that in this example, the traditional IRA is better. If we switched the tax rates, if we assumed 10% tax when you deposit and 20% when you withdraw, the Roth IRA would be better.\nThe difference is that with a traditional IRA you pay the tax rate that applies to you when you WITHDRAW the money, but with a Roth IRA you pay the tax rate that applies when you DEPOSIT the money. So if you are paying a lower tax rate when you deposit than when you withdraw, than a Roth IRA is better. Conversely, if you are paying a higher tax rate when you deposit than when you withdraw, a traditional IRA is better.\nThere is, of course, the catch that you can't know the future. You don't know exactly what your income will be 5 years or 10 years or 50 years from now. And you don't know what will happen with tax laws. Will rates go up or down? What deductions will be available? Etc.\nBut still, in general, you know that your income is likely to go up over the course of your working life and then fall sharply the day you retire.\nSo the simple answer to the question of which is better is: When you are young, not making much money and thus paying a low tax rate, your taxes now are probably lower than they will be when you retire, so Roth is better. At some point your income will rise to the point that your taxes are higher than what you will be paying in retirement, and at that point you should switch to a traditional IRa. Exactly when you hit that point is hard to say. You can only guess. But you should be able to guess in the ballpark.\n© 2022 by Jay Johansen\nNo comments yet.", "domain": "economics"}
+{"url": "https://tubal.com.au/wp-content/pages/what_is_cashback_in_online_casinos_for_australian_players__types__advantages.html", "date": "2022-08-11T15:01:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882571472.69/warc/CC-MAIN-20220811133823-20220811163823-00020.warc.gz", "language_score": 0.9536017775535583, "token_count": 653, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__20220316", "lang": "en", "text": "What is cashback in online casinos for Australian players: types, advantages\nPartial return of the money previously spent by the user to his real account is called cashback. Thus, the Australian online casinos tries to cheer the loser with a certain amount of money from the player. Cashback payment is governed by certain rules that provide for its wagering.\nTypes of cashbacks\nAlmost every online gambling establishment has its own rules for issuing cashbacks. In principle, they can be divided into three main types:\nPartial return of a loss. This option is most common in Aussie online casinos. Here cashback is deducted from the amount of funds lost for a certain period.\nPartial accrual for winnings is quite rare. Here, the percentage is calculated on the money won by the player. Naturally, the amount of winning in most cases is greater than the loss, which means that the percentage of cashback will be higher.\nPartial return of the weekly deposit. It makes no difference here, cashback is credited regardless of whether the player has lost or won.\nWhat determines the amount of cashback\nUsually, the amount of cashback is determined directly by the online casino administration. But sometimes this is done by the manufacturers of gaming machines themselves, installing automatic calculation of percentages in their software. During a certain period of the game, its value can be different and fluctuate in the range from 5 to 20%. In some casinos, the percentage of calculation depends on the player's status.\nFrom time to time, online gambling establishments can hold promotions, under which the cashback increases significantly. This moment is ideal for testing a new strategy or a specific game, because part of the invested funds will definitely return to the player's account.\nCashback payout is charged once a week or month. Usually, the percentage return in the form of a bonus is made on a specific day of the week. Most often, many Australian casinos issue a refund for all losses in one amount on Fridays or Saturdays.\nSome online casinos contribute a percentage return on lost funds to the loyalty program. For example, for raising the status of the player, the percentage of cashback also increases. To increase the status, the player must make a certain number of cash bets, the total amount of which is determined by the administration of the gambling establishment.\nDo I need to wager cashback\nIt only depends on the online gambling establishment. Some online casinos do not require wagering the amounts that the player received with cashback. But there are virtual establishments that offer standard wagering of x35 or more.\nPlayers with extensive experience are advised to choose a casino with a minimum number of bets for wagering cashback and with 1$ minimum deposit if they want to check the casino for playing https://www.onlinecasinotips.info/ . Usually, large popular casinos give the entire amount of returnable funds for wagering within x1-x3. That is, in order to cash out the funds received by cashback, the player must make several bets with this money in the pokie, and only after that he can withdraw them from the casino to his personal account.", "domain": "economics"}
+{"url": "http://interfacefinancial.com/page/about", "date": "2014-11-27T18:06:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-49/segments/1416931009004.88/warc/CC-MAIN-20141125155649-00244-ip-10-235-23-156.ec2.internal.warc.gz", "language_score": 0.9274433255195618, "token_count": 203, "dump": "CC-MAIN-2014-49", "global_id": "webtext-fineweb__CC-MAIN-2014-49__0__77112176", "lang": "en", "text": "Founded in 1972, The Interface Financial Group enjoyed almost immediate success and began offering franchises in 1990 to meet the growing demand for Interface's unique invoice discounting system. Interface now has over 150 franchised offices throughout the United States, Canada, Australia, New Zealand, Singapore, the United Kingdom and the Republic of Ireland.\nOur international headquarters are located in Markham, Ontario, and in Bethesda, Maryland.\nTo receive a detailed overview of The Interface Financial Group, please complete our \"Franchise Information Request Form\".\nEntrepreneur Magazine, the recognized leader for franchise information, reviews and analyzes the 5000+ North American franchises on an annual basis, and then rates the Top 500 by category.\nFor the past 8 years Interface has been in the Franchise 500 ranking.\nIn 2012 Interface was in the Top 101 Homebased franchises ranking.\nInterface is also a World Class Franchise as classified by the Franchise Research Institute. Click on the Franchise Research Institute logo to the left to get a free report.", "domain": "economics"}
+{"url": "https://www.cavitysliders.com/blog/articleid/119/nordstrom-flagship-nyc-embraces-modular-construction-with-cavity-sliders", "date": "2024-03-04T11:33:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476442.30/warc/CC-MAIN-20240304101406-20240304131406-00183.warc.gz", "language_score": 0.9403506517410278, "token_count": 402, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__58989016", "lang": "en", "text": "One of the trends we’ve witnessed accelerate over the last decade is modular construction. The concept of building finished units offsite maximizes labor efficiencies under controlled settings. It also alleviates from potentially chaotic job-site conditions with fewer trades on the go at any given time. This, in turn, provides scheduling benefits for contractors and developers to bring finished projects to market earlier.\nWe’ve seen this concept unfold across a range of vertical markets within the building industry from single-family housing through to skyscrapers.\nPartnership with Harbor Retail and Callison RTKL\nHarbor Retail have embodied this concept to reduce the interruption of construction for their customer base of major retailers. Cavity Sliders were privileged to partner with Harbor Retail and Callison RTKL on this iconic remodel of the Nordstrom flagship Store on Broadway in NYC. Efficient offsite production in this scenario is ideal as it minimizes the disruption to the ongoing business of the retailer and its customers.\nNordstrom Flagship NYC\nFor Nordstrom, this Flagship remodel is monumental. The store now boasts 320,000 square feet of retail space across seven levels in the heart of the big apple. Nordstrom NYC represents the biggest and best statement of what the brand has to offer. With a dedication to state of the art design, Nordstrom recently opened the flagship, citing a desire to \"create a sense of discovery\" in its customers and allow for a \"responsive and reflective\" experience.\nThe CS Cavitrack and CL400 Magnetic\nThe CS Cavitrack and CL400 Magnetic were incorporated into the fitting rooms on all floors. The CL400 Magnetic's modern design was a flawless fit for their updated decor. Showcased in the flagship's styling lounge, the pocket doors were the perfect addition to aid the desired contemporary aesthetic as well as to save valuable space for retail foot traffic.\nLearn more about the CL400 Magnetic\nNordstrom’s Press Release", "domain": "economics"}
+{"url": "https://www.flashexpress.ph/blog/flash-express-ph-shows-visible-growth-in-luzon-and-visayas/", "date": "2021-10-17T07:16:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585121.30/warc/CC-MAIN-20211017052025-20211017082025-00202.warc.gz", "language_score": 0.8562730550765991, "token_count": 404, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__27984769", "lang": "en", "text": "Flash Express PH shows visible growth in Luzon and Visayas\n2021-09-14 Reginald Rex Pumihic\nPhoto: Flash Express Philippines’ 15,362.52 square meters PN1 hub center in Cabuyao, Laguna.\nJust one month after opening its services in the country, Flash Express Philippines, the fast-growing courier and logistics company in the Philippines has successfully achieved its plan for expansion in Luzon and the Visayas region.\nAs of September 6, 2021, there are a total of 71 distribution centers and 7 hub centers that are opened in Luzon and Visayas.\nAside from NCR which was the pilot coverage area, Flash Express Philippines now covers additional 24 provinces in Luzon. These include Albay, Aurora, Bataan, Batangas, Bulacan, Cagayan, Camarines Norte, Camarines Sur, Cavite, Ilocos Sur, Isabela, Kalinga, La Union, Laguna, Nueva Ecija, Nueva Vizcaya, Oriental Mindoro, Pampanga, Pangasinan, Quezon, Rizal, Sorsogon, Tarlac, and Zambales.\nFor Visayas, 11 provinces are now covered including Aklan, Antique, Bohol, Capiz, Cebu, Guimaras, Iloilo, Leyte, Negros Occidental, Negros Oriental, and Siquijor.\n7 hub centers in the different provinces are now operational including Cabuyao, Pangasinan, Isabela, Naga, Cebu, Kalibo and Tacloban.\nPhoto: Flash Express Philippines' personnel gear up for the opening of distribution centers in Visayas.\nFlash Express Philippines expects to open a total of 285 distribution centers and 12 hub centers nationwide for the upcoming weeks as it prepares for its nationwide launch in October.", "domain": "economics"}
+{"url": "https://archeologickerozhledy.cz/index.php/ar/article/view/87", "date": "2024-02-26T16:58:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474661.10/warc/CC-MAIN-20240226162136-20240226192136-00148.warc.gz", "language_score": 0.9414893984794617, "token_count": 279, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__186071817", "lang": "en", "text": "Socio-economic determinants of iron production on Polish lands during antiquity: The phenomenon of metallurgical smelting centres of the Przeworsk culture\n- ancient metallurgy,\n- Przeworsk culture,\n- metallurgical centres,\n- social structures\nHow to Cite\nThis work is licensed under a Creative Commons Attribution 4.0 International License.\nMetallurgical activity of the peoples living in the area known as Germania Magna is characterized by an extensive and ad hoc nature which clearly is different from the centralized Roman production model. In the so-called Barbarian parts of Europe however, there were regions where there was a specialized and identifiably large mass production of iron. On Polish lands three such centres were active – in the Holy Cross Mountains, in West Masovia and in some regions of Silesia. The presence within a single cultural unit of several large metallurgical centres functioning on the basis of different organizational patterns is a unique phenomenon and warrants reflection upon the causes of their creation and the meaning of production for their neighbouring areas. These enormous logistical projects indicate the existence of yet unknown to us interdependent social structures of large work teams in the population, evident over a period of several generations. Their reconstruction can help us understand at least some aspects of the social and economic life on Polish lands towards the end of antiquity.", "domain": "economics"}
+{"url": "https://www.a-zinsurance.ca/commercial-property", "date": "2024-04-17T15:33:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817158.8/warc/CC-MAIN-20240417142102-20240417172102-00118.warc.gz", "language_score": 0.9412537217140198, "token_count": 304, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__103992947", "lang": "en", "text": "Insurance to protect your business assets and revenues\nYou don't have to own the building to need commercial property insurance. When you lease a space, you'll want to insure all the improvements you've made. Property insurance will also cover your inventory, your computers, your furniture and anything else you own.\nCommercial property insurance works a lot like home insurance; you'll be insured for a number of perils, such as theft, fire, water damage and so forth. Choose the right deductible and amount of coverage, and decide on the method of settling claims (replacement value or actual cash value).\nAt A-Z Insurance, we can help you manage your business risks and establish exactly how much commercial property insurance you need.\nInsure your liability and your revenues too\nCommercial property insurance is only the first step. As a business owner, you'll probably want coverage for your vehicles, equipment, lost revenues, key players and business liability.\nHere is a quick rundown of the major coverage options for businesses of all sizes:\nComprehensive general liability (CGL) insurance covers legal and settlement fees if the company or its employees are found liable of causing physical harm to another person or damaging their property.\nBusiness interruption insurance helps cover lost revenues when the company can no longer fulfill its product or service delivery\nEquipment breakdown insurance for all your major mechanical, electrical and technological systems\nOptional coverage for floods, earthquakes or sewer backup", "domain": "economics"}
+{"url": "http://vincekumwenda.blogspot.com/2016/03/indiegogo-campaign-for-industrial-hemp.html", "date": "2017-04-30T12:57:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917125532.90/warc/CC-MAIN-20170423031205-00015-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9526574611663818, "token_count": 536, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__111378207", "lang": "en", "text": "Hempower Malawi - making Industrial hemp a new cash crop- That is the title of the video accompanying a campaign for industrial hemp in Malawi. The campaign posted by Tanya Clarke, Director and Founder of Invegrow and Kawandama Hills Plantation is raising $50,000 to fund some of the farming inputs, buy small- scale farming and processing equipment, lab equipment for testing, and continue the lobbying and education campaigns.\nTanya says Invegrow has been campaigning for the legalisation of industrial hemp in Malawi since 2013 and it is now the first and only company allowed to conduct trials in Malawi.\nThis is a pioneering venture and Invegrow finally commenced trials in November 2015 at the Malawi Government's premier Agricultural Research Station. We are also helping amend the relevant Acts with the Government to correctly define iHemp in law. We aim to be growing the crop commercially by December 2016/17 season (rainy season).\nAccording to the information posted on the indiegogo campaign site and the video posted, Invegrow has support from various civil society organisations, government and the private sector. The video features interviews with Joshua Nthakomwa, Director of Malawi Investment and Trade Centre and Parliamentarian Boniface Kadzakumanja, a well known advocate for industrial hemp who supports the campaign.\nIndustrial Hemp is a variety of the Cannabis sativa plant that is non-psychoactive and currently grown in 36 countries worldwide including Canada, Australia, Germany, France, and the UK. It's an incredibly versatile crop that is used in sustainable construction, seed and oil production for cosmetics and foods, medicines, and fibre for textiles. It is an age old crop that was bred specifically for industrial purposes, and was one of the most important crops in World War 2 for its strong fibres used for sails and military uniforms.\nFor the 13 days that the campaign has been running, it has managed to raise $12,338 out of the $50,000 needed. There are still 23 days to go.\nTanya and the team behind the campaign understands the challenges that their campaign will face to convince the Malawian society on the difference between industrial hemp and the other varieties of cannabis that are psychoactive.\nMalawi is a very conservative society and more education must be done through the media, radio, and TV on iHemp and its potential. Distinguishing the differences between the varieties of Cannabis in the minds of the people is a challenge that we hope to overcome through a concerted sensitisation campaign.\nPhoto Credit: Tanya Clarke's Linkedin and Invegrow Website", "domain": "economics"}
+{"url": "https://whitehouseofmusic.com/instrument-sales/", "date": "2024-02-24T00:41:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474470.37/warc/CC-MAIN-20240223221041-20240224011041-00408.warc.gz", "language_score": 0.9307394623756409, "token_count": 172, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__210541969", "lang": "en", "text": "At White House of Music, we believe in providing you the best value every day! As your partner in making Music for Life, we believe that music should be affordable for everyone, that’s why our approach includes:\n- Retail pricing that is as competitive as online, if not better!\n- Deep discounts on used instruments\n- Rental credit towards purchase\n- Manufacturer incentives and rebates\n- Flexible financing and payment options\n- Monthly payment plans and annual plan discounts\n- Seasonal sales and promotions\nWhen you visit one of our multiple locations across Southeast Wisconsin, you’ll often see both the manufacturer’s suggested retail price and our lower price tag. It is our promise to you that when it’s time to buy a new or used instrument, we will give you the absolute best value. Guaranteed!", "domain": "economics"}
+{"url": "http://www.aygyfgtyab.ga/category/fitness/", "date": "2021-08-02T13:02:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046154320.56/warc/CC-MAIN-20210802110046-20210802140046-00328.warc.gz", "language_score": 0.9651675820350647, "token_count": 2498, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__50205609", "lang": "en", "text": "In America, the overall health insurance plan market has altered promptly throughout the previous couple of decades. While in the 1970’s many people who had health insurance plan experienced indemnity insurance policies. Indemnity insurance policy is often referred to as fee-forservice. It’s the normal overall health insurance policy wherein the health-related supplier (typically a physician or medical center) is compensated a price for each assistance furnished for the patient included under the plan. A significant category related to the indemnity designs is usually that of consumer pushed health and fitness care (CDHC). Purchaser-directed overall health programs allow for people and households to own larger Command about their well being care, which includes when And just how they obtain care, what types of treatment they get and the amount of they shell out on wellness care solutions.\nThese designs are on the other hand linked to better deductibles the insured really have to pay out from their pocket ahead of they will declare insurance policy dollars. Purchaser driven wellness care programs incorporate Health and fitness Reimbursement Programs (HRAs), Versatile Paying out Accounts (FSAs), significant deductible well being designs (HDHps), Archer Health-related Discounts Accounts (MSAs) and Wellness Price savings Accounts (HSAs). Of these, the Wellness Financial savings Accounts are The latest and they’ve got witnessed immediate growth throughout the very last ten years.\nExactly what is A Health and fitness Personal savings ACCOUNT?\nA Wellness Cost savings Account (HSA) is actually a tax-advantaged professional medical financial savings account available to taxpayers in the United States. The money contributed to your account will not be subject to federal revenue tax at time of deposit. These could possibly be utilized to purchase qualified health-related expenses at any time without having federal tax legal responsibility.\nOne more attribute would be that the cash contributed to Well being Financial savings Account roll about and accumulate yr about yr if not put in. These may be withdrawn by the staff at enough time of retirement with no tax liabilities. Withdrawals for skilled expenditures and interest attained also are not matter to federal cash flow taxes. Based on the U.S. Treasury Workplace, ‘A Overall health Discounts Account is an alternative to common health and fitness insurance policy; it is a personal savings item that provides a distinct way for individuals to pay for their well being treatment.\nHSA’s permit you to buy recent wellness fees and conserve for long term experienced health care and retiree overall health fees on a tax-absolutely free basis.’ So the Well being Savings Account is undoubtedly an work to raise the effectiveness on the American wellness care procedure and to stimulate people to generally be far more responsible and prudent to their wellness treatment requirements. It falls during the category of consumer pushed wellbeing care options.\nOrigin of Wellness Savings Account\nThe Well being Discounts Account was proven underneath the Medicare Prescription Drug, Advancement, and Modernization Act passed through the U.S. Congress in June 2003, via the Senate in July 2003 and signed by President Bush on December 8, 2003.\nThe following folks are qualified to open up a Overall health Cost savings Account –\n– Those who are covered by a High Deductible Health Prepare (HDHP).\n– People not protected by other well being insurance policies plans.\n– People not enrolled in Medicare4.\nAlso there aren’t any income limits on who might contribute to an HAS and there’s no necessity of getting attained cash flow to contribute to an HAS. Even so HAS’s cannot be set up by those people who are depending on some other person’s tax return. Also HSA’s can’t be put in place independently by little ones.\nWhat on earth is a Superior Deductible Well being strategy (HDHP)?\nEnrollment in a Higher Deductible Health Program (HDHP) can be a essential qualification for any person wishing to open a Wellness Financial savings Account. Actually the HDHPs obtained a boost because of the Medicare Modernization Act which released the HSAs. A Large Deductible Well being Program is a wellness insurance plan program that has a specific deductible threshold. This Restrict needs to be crossed ahead of the insured person can claim insurance money. It does not include 1st greenback clinical bills. So somebody should himself shell out the Original costs which might be named out-of-pocket prices.\nIn several HDHPs expenditures of immunization and preventive overall health care are excluded from the deductible which means that the person is reimbursed for them. HDHPs is often taken each by people today (self used along with used) and businesses. In 2008, HDHPs are being offered by insurance providers in America with deductibles starting from a minimum of $1,100 for Self and $two,200 for Self and Loved ones coverage. The utmost volume out-of-pocket restrictions for HDHPs is $5,600 for self and $eleven,200 for Self and Spouse and children enrollment. These deductible restrictions are identified as IRS boundaries as These are established by the Internal Revenue Services (IRS). In HDHPs the relation involving the deductibles as well as top quality paid out via the insured is inversely propotional i.e. bigger the deductible, reduce the top quality and vice versa. The most important purported benefits of HDHPs are that they are going to a) lower well being care fees by producing people for being a lot more Price-conscious, and b) make insurance policies premiums extra cost-effective to the uninsured. The logic is usually that in the event the individuals are thoroughly lined (i.e. have health designs with small deductibles), they are usually considerably less wellbeing aware and in addition significantly less Value aware when going for remedy.\nOpening a Well being Financial savings Account\nSomebody can Enroll in HSAs with banking institutions, credit rating unions, coverage companies and also other authorized providers. Even so not all insurance plan businesses present HSAqualified wellbeing insurance programs so it is vital to use an insurance company which offers such a certified insurance plan strategy. The employer may also arrange a program for the workers. On the other hand, the account is often owned by the individual. Direct on the web enrollment in HSA-qualified wellness insurance plan is obtainable in all states except Hawaii, Massachusetts, Minnesota, New Jersey, Big apple, Rhode Island, Vermont and Washington.\nContributions on the Wellbeing Personal savings Account\nContributions to HSAs could be made by a person who owns the account, by an employer or by almost every other individual. When made by the employer, the contribution is not really A part of the income of the employee. When produced by an employee, it is actually taken care of as exempted from federal tax. For 2008, the utmost amount of money that may be contributed (and deducted) to an HSA from all sources is:\n$two,900 (self-only coverage)\n$5,800 (relatives protection)\nThese restrictions are set from the U.S. Congress by means of statutes and they’re indexed on a yearly basis for inflation. For individuals over 55 years of age, There’s a Distinctive capture up provision that permits them to deposit extra $800 for 2008 and $900 for 2009. The actual maximum sum a person can add also depends on the quantity of months he is roofed by an HDHP (pro-rated basis) as of the 1st day of a month. For eg If you have family members HDHP coverage from January one,2008 right up until June thirty, 2008, then cease acquiring HDHP protection, you’re permitted an HSA contribution of six/twelve of $five,800, or $two,900 for 2008. In case you have family HDHP protection from January one,2008 until June thirty, 2008, and have self-only HDHP coverage from July one, 2008 to December 31, 2008, that you are authorized an HSA contribution of 6/twelve x $five,800 in addition 6/twelve of $two,900, or $four,350 for 2008. If an individual opens an HDHP on the main day of per month, then he can contribute to HSA on the first day alone. Nonetheless, if he/she opens an account on almost every other working day than the 1st, then he can add towards the HSA from the subsequent thirty day period onwards. Contributions is usually manufactured as late as April 15 of the subsequent 12 months. Contributions towards the HSA in surplus of your contribution limitations have to be withdrawn by the individual or be matter to an excise tax. The individual ought to spend profits tax on the surplus withdrawn quantity.\nContributions because of the Employer\nThe employer will make contributions to the worker’s HAS account under a salary reduction plan generally known as Part a hundred twenty five prepare. It truly is also referred to as a cafeteria strategy. The contributions produced underneath the cafeteria system are created on the pre-tax basis i.e. they are excluded from the employee’s earnings. The employer should make the contribution with a comparable foundation. Comparable contributions are contributions to all HSAs of an employer that are 1) exactly the same amount of money or two) a similar proportion on the yearly deductible. However, element time staff members who operate for less than thirty hours a week is usually treated separately. The employer could also categorize personnel into those that go for self coverage only and those who go with a spouse and children coverage. The employer can instantly make contributions to your HSAs over the behalf of the worker Except the employee particularly chooses not to possess such contributions because of the employer.\nWithdrawals from the HSAs\nThe HSA is owned by the worker and he/she will make experienced charges from it Any time expected. He/She also decides just how much to add to it, how much to withdraw for competent costs, which business will keep the account and which kind of investments is going to be produced to grow the account. One more aspect would be that the resources continue to be within the account and function around from yr to yr. There are no utilize it or eliminate it regulations. The HSA contributors do not have to get advance acceptance from their HSA trustee or their medical insurance provider to withdraw money, as well as the resources are certainly not issue to money taxation if built for ‘competent clinical expenditures’. Capable healthcare expenses include prices for services and items protected from the overall health program but subject matter to Expense sharing such as a deductible and coinsurance, or co-payments, and also a number of other expenses not lined beneath professional medical strategies, like dental, eyesight and chiropractic care; tough professional medical tools for example eyeglasses and Listening to aids; and transportation bills relevant to health care care. Nonprescription, more than-the-counter medicines also are eligible. Having said that, qualified healthcare price must be incurred on or after the HSA was established.\nTax free of charge distributions is usually taken through the HSA to the certified medical expenditures of the individual covered via the HDHP, the wife or husband (even when not protected) of the individual and any dependent (although not included) of the individual.12 The HSA account can even be utilized to shell out preceding 12 months’s certified bills subject matter towards the issue that All those costs were being incurred once the HSA was build. The person have to protect the receipts for bills met through the HSA as They might be necessary to establish which the withdrawals in the HSA had been made for competent medical fees and never or else utilised. Also the person could possibly have to produce the receipts ahead of the insurance company to prove that the deductible limit was met. If a withdrawal is manufactured for unqualified professional medical costs, then the amount withdrawn is taken into account taxable (it really is included towards the people profits) and can be subject matter to an extra ten percent penalty. Usually The cash also cannot be useful for paying out professional medical insurance policies premiums. However, in specified instances, exceptions are allowed.", "domain": "economics"}
+{"url": "https://dig-eg-gaz.github.io/post/17-analysis-martinez/", "date": "2023-03-20T10:16:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943471.24/warc/CC-MAIN-20230320083513-20230320113513-00194.warc.gz", "language_score": 0.9844016432762146, "token_count": 1115, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__47362084", "lang": "en", "text": "Land Bank Stock Prices\nMy goal throughout my research in the Egyptian Gazette was see if there was a way to determine when there were ups and downs in the economy during the years of 1905 and 1906. More importantly, my focus was primarily on the “Land Bank of Egypt” stocks and prices throughout these two years. I found it easier to study this specific bank because it had the most different and abundant data out of the other banks and stocks. I was hoping to encounter some significant highs or lows in these two years, and if I did find any I would dig deeper and find the cause of this fluctuation in the market.\nFirst, to be able to come up with enough data to analyze the “Land Bank of Egypt” I created an XPath query that gave me sufficient information to be able to look through the prices in an organized fashion. After a couple of different queries attempts, there was finally one that brought me almost exactly where I needed to be. With this query,\n//table//cell[contains(.,'Land Bank of Egypt')]/following-sibling::cell/string(), I was to come up with the a refined set of numbers that showed the prices of only “Land Bank of Egypt” in all the financial tables that came up in the Egyptian Gazette. Coming up with a proper query that gave me the correct information that I needed was probably the most difficult part of the data analysis.\nThe next part of the process was to then clean up the data that I had come up with using the XPath query. Using atom, I had to clean up the data to be able to make a table or graph out of the data I had collected. This step of the process was not the most difficult, but definitely was the most tedious. Trying to use regular expressions to help clean up my results was also very frustrating. After a while, and after trying many different methods I finally came up with data was ready to be inputted into a line chart, which I thought would best represent the data. I encountered the problem that there were many of the same prices throughout the data, because this was on the templates we used. I decided to keep these prices in the data for now, until I can figure out if I am going to take out completely the template prices or keep them in the data.\nNow that the data has been cleaned up and put into a chart anyone can see the fluctuations in prices throughout the years of 1905 and 1906. Instead of using Tableau I put in the dates and prices for the “Land Bank of Egypt” in excel because I am more familiar with it. In the prices column that I had created in excel, I put in a formula that found the minimum price from all the prices. It came back with the price of $8.00. This is how I was able to find where the price for the “Land Bank of Egypt” was the lowest. I plan on doing the same and inputting a formula that would give me the max of the prices but it seems that the template price is $239 which is the maximum price. This skews my data significantly and I am not sure what I will do to get past this.\nSince there were so many prices that were from the template or missing, I came up with an idea that would fix the graph that I had started off with. I was able to find the average of the prices for each month in excel. After doing this the graph was much more clean and was easier to read and understand. At this point now I had some good data to work with, which was relieving. Below is the graph that has the averages of the prices of each month of 1905 and most of 1906. Finding the averages was very helpful because it really took away the random ups and downs that I found before due to the template prices.\nAfter some research, I was able to find some information as to why there were some changes in prices and how international banking came to Egypt. The Franco-British entente of 1904 stimulated the influx of foreign capital and the creation of new banks (Cameron). In 1905 French capital created the Land Bank of Egypt through the initiative of the Societe Marseillaise de Credit and banks from Alexandria, Marseille, and London. In the graph you can see the decrease towards the end of the year in 1906. This is thought to be because of the approaching financial crisis that came about in 1907. After the full force of the crisis had passed there were three banks that were established in succession by French capital. The bringing up of these institutions drove into bankruptcy their competitors. This is why you can see the steep decline in the average prices of The Land Bank of Egypt. There were, however some strong moments in the life of the Land Bank of Egypt. In the beginning months the bank had a nice peak, and then had a steady level throughout the year. This was when the foreign banking system was just beginning and showed that it had a strong market in Egypt. The Land Bank of Egypt did trade different currencies, but for the sake of keeping the graph readable I only chose data of the same currency. By trading different currencies the Land Bank of Egypt was a very healthy and strong financial institution in the years of 1905 and 1906.\n- Cameron, Rondo, and V. I. Bovykin. International Banking, 1870-1914. New York: Oxford UP, 1992.", "domain": "economics"}
+{"url": "https://ladysready.com/18-million-us-kids-are-at-danger-of-starvation-how-is-the-drawback-being-addressed-and-what-extra-can-be-executed/", "date": "2021-01-27T14:03:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610704824728.92/warc/CC-MAIN-20210127121330-20210127151330-00134.warc.gz", "language_score": 0.9477667808532715, "token_count": 1985, "dump": "CC-MAIN-2021-04", "global_id": "webtext-fineweb__CC-MAIN-2021-04__0__193438699", "lang": "en", "text": "Editor’s word: The financial disaster caused by the coronavirus pandemic has elevated the variety of People who cannot at all times get sufficient to eat, together with kids. The Dialog U.S. requested 4 consultants to elucidate how frequent youngster starvation is and what’s being performed to handle it.\n1. How huge an issue is youngster starvation within the US?\nHeather Eicher-Miller, affiliate professor of vitamin science at Purdue College: Starvation has two very completely different meanings. It might describe that uncomfortable feeling you get after not consuming shortly. It is also a long-term bodily state.\nIndividuals who expertise long-term starvation aren’t simply uncomfortable. They will really feel weak point or ache and run an elevated danger of sicknesses, together with bronchial asthma, iron-deficiency anemia and poor bone well being.\nStarvation can in fact come up when somebody would not eat sufficient, however it’s additionally a results of meals insecurity – what occurs once you lack the cash or different technique of accessing sufficient of the correct varieties or quantities of meals.\nWhereas starvation is a bodily situation, meals insecurity is an financial and social scenario.\nDavid Himmelgreen, professor of anthropology on the College of South Florida: Meals insecurity and youngster starvation have each skyrocketed throughout the COVID-19 pandemic. There have been an estimated 50 million food-insecure People by the top of 2020, up sharply from 35 million in 2019, the final yr for which official information is out there.\nFeeding America, the nation’s largest anti-hunger group, estimated in 2019 that there have been 12.5 million U.S. kids – 1 in 6 – susceptible to starvation. With progress within the variety of American employees unemployed and kids dwelling in poverty, a group of researchers decided in July 2020 that 18 million kids – 1 in 4 – have been experiencing meals insecurity not less than typically, a couple of months into the coronavirus pandemic.\nKecia Johnson, assistant professor of sociology at Mississippi State College: Kids who expertise starvation usually tend to be sick, to recuperate from sickness extra slowly and to be hospitalized extra regularly.\nAmongst different issues, being meals insecure will increase the potential for weight problems, coronary heart illness and diabetes, together with for kids. And food-insecure kids are not less than twice as possible as different youngsters to have a wide range of well being issues, corresponding to anemia, bronchial asthma and anxiousness.\nMeals-insecure youngsters also can have extra bother in school than different kids and turn out to be extra more likely to expertise social isolation.\n2. What’s being performed about the issue?\nDiana Cuy Castellanos, assistant professor of dietetics and vitamin on the College of Dayton: Some 15 federal applications help People who need assistance getting sufficient nutritious meals to eat. The applications cowl completely different populations together with the aged, individuals with low incomes, infants and kids, and Native American communities, in addition to areas the place there’s want for emergency aid resulting from disasters.\nThe biggest is the Supplemental Vitamin Help Program, identified extra generally as SNAP. It gives help for the acquisition of meals based mostly on revenue and price US$85.6 billion within the newest fiscal yr. Following the passage of a bipartisan aid bundle in December, most households of 4 can presently get $782 in month-to-month help by way of SNAP.\nMany individuals nonetheless name these advantages “meals stamps,” however now, as an alternative of receiving vouchers to buy meals, individuals obtain a card that appears like a bank card with their meals allowance on it.\nThe federal government additionally runs the Ladies, Infants and Kids program, which gives dietary help for low-income pregnant ladies, breastfeeding ladies and girls with not less than one youngster age 5 or beneath. As well as, there are the College Breakfast and Lunch applications in addition to the Summer season Meals Service Program, which funds free wholesome meals and snacks to kids and youths in low-income areas when college will not be in session.\nMany of those applications goal particular segments of the inhabitants, corresponding to kids and the aged. All have one thing in frequent: They’re designed to assist low-income households afford meals in order to unlock extra of their restricted revenue on different wants, corresponding to housing and transportation.\nHimmelgreen: Whereas federal vitamin applications have helped cut back the severity of meals insecurity and youngster starvation, solely a restricted variety of People who do not get sufficient to eat can benefit from them. To get SNAP in Florida, for instance, individuals might not have greater than a complete of both $2,001 or $3,001 – relying on their age and disabilities – of their financial savings and checking accounts. Different states have comparable however completely different restrictions, making it exhausting to estimate the variety of People who need assistance however cannot get it. Therefore, hundreds of thousands extra individuals than ever are counting on drive-through meals pantries throughout the pandemic.\nJohnson: There are some 60,000 meals pantries, meal applications and meals banks, in line with Feeding America, serving about 40 million individuals yearly. Feeding America and its affiliated meals banks and pantries additionally run meals pantries in colleges and backpack applications, which give college students with simply ready meals, like boxed macaroni and cheese and canned beans, to take house, all through the nation.\nFor instance, an elementary college in Holmes County, Mississippi, has provided taking part households with meals and different provides since 2019.\nEicher-Miller: Vitamin schooling is one other solution to handle meals insecurity and assist cut back the variety of kids who go hungry. For instance, the federal authorities affords vitamin schooling to people and households who obtain SNAP advantages by way of the Supplemental Vitamin Help Program Training program, or SNAP-Ed. It gives complete vitamin schooling relating to tips on how to get essentially the most vitamin per meals greenback to most of the individuals who get SNAP advantages and could also be having bother serving their households wholesome meals on a restricted finances.\nThe federal government helps SNAP-Ed in places like meals pantries, group facilities and meals help places of work. Its sensible budgeting recommendation, cooking courses and vitamin info make households with kids much less more likely to expertise meals insecurity, in line with a examine by my group. When individuals get the grasp of shopping for the healthiest meals they will on a decent finances, their youngsters are much less more likely to go hungry.\nI consider vitamin schooling as a present that retains giving within the sense that when somebody has the information they will hold utilizing it to remain meals safe into the long run.\n3. What are a number of the extra promising improvements?\nCuy Castellanos: Meals insecurity is a posh drawback for a lot of causes, together with the restricted entry hundreds of thousands of individuals should the recent vegatables and fruits everybody ought to eat.\nThat is why I am excited to see individuals beginning to develop their very own meals in low-income communities with few grocery shops or alternatives to purchase produce, from Los Angeles to Philadelphia. Nonprofits and households are rising meals on their very own property or are utilizing vacant tons or land on college or church grounds.\nSome teams corresponding to Homefull and Mission of Mary Farms in Dayton, Ohio, have even begun to construct greenhouses to increase the rising season and producing root greens and leafy greens in addition to elevating chickens.\n[Get the best of The Conversation, every weekend. Sign up for our weekly newsletter.]\nJohnson: A brand new group backyard can be making a distinction within the small majority-Black city of Maben in rural Mississippi, the place there’s nowhere to purchase greens. Beginning in 2019, native leaders accepted the conversion of a former college athletic discipline right into a group backyard. As soon as volunteers from a farmers cooperative had cleared and plowed the sphere, different volunteers planted and harvested crops of tomatoes, purple hull peas, okra and watermelons. The gardeners distributed this primary wave of produce primarily to aged individuals in Maben who used to have household gardens and provides away their very own homegrown meals in years previous.\nHimmelgreen: Many revolutionary applications throughout the nation are aiming to cut back meals insecurity and enhance the well being of low-income People.\nAt “consumer meals alternative” meals pantries, purchasers do not simply choose up bins of free, nutritious gadgets. As a substitute, they get to decide on the meals they need and get recipes and different kinds of vitamin schooling. There are additionally meals prescription applications based mostly in hospitals and medical clinics, the place sufferers are screened for meals insecurity and, if eligible, enrolled in SNAP and given assist connecting with meals pantries both on web site or close by.\nA rising variety of nonprofits additionally refer individuals to school-based meals pantries, which function in Ok-12 public colleges and on faculty campuses and the meals-on-wheels applications that help people who find themselves homebound.\nI consider these applications must be scaled up or replicated every time potential in areas the place there’s a excessive degree of meals insecurity and youngster starvation however a scarcity of nonprofit assist accessible.\nHeather Eicher-Miller, Affiliate Professor of Vitamin Science, Purdue College; David Himmelgreen, Professor of Anthropology, College of South Florida; Diana Cuy Castellanos, Assistant Professor of Dietetics and Vitamin, College of Dayton, and Kecia Johnson, Assistant Professor of Sociology, Mississippi State College", "domain": "economics"}
+{"url": "http://www.miller-rosenbluth.com/services.aspx", "date": "2013-05-19T07:28:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368696384213/warc/CC-MAIN-20130516092624-00082-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9472028017044067, "token_count": 1311, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__31710761", "lang": "en", "text": "Powers of a metropolitan district\nCounty and municipal governments are often constrained in their ability to provide infrastructure to new development. The Colorado Revised Statutes provide in Title 32 for the creation of a local governmental entity called a special district, which can fill in some of the gaps that may exist between the services counties and municipalities are able to provide and the services the residents of a special district may desire. There are many types of special districts in Colorado, including water and sanitation districts, school districts, park and recreation districts and metropolitan districts. Metropolitan districts combine many types of functions and can be organized to provide any two or more of the following services:\n1. street improvements\n2. water facilities and services\n3. sanitation facilities and services\n4. park and recreation facilities\n5. traffic related safety protection improvements\n6. transportation facilities and services\n7. television relay and transmission facilities and services\n8. mosquito control facilities and services\nThe functions of a metropolitan district can include both the construction of improvements and the ongoing operation and maintenance of the improvements. Metropolitan districts must be publicly accountable, which means, among other things, that they must hold open meetings, give notice of all meetings, keep minutes and other records, hold elections for the governing board of directors, adopt annual budgets, and submit to annual financial audits.\nA metropolitan district has various financial powers given to it by Title 32, including the power to tax and/or assess fees for the services it provides and to issue tax-exempt bonds to help pay for public improvements. The eligible electors within the boundaries of the metropolitan district must first vote in an election to authorize the metropolitan district to incur any general obligation or revenue indebtedness. Once approved by the electors within the district, the bonds are sold to investors and must be repaid over time with interest. The money from the bonds is used by the metropolitan district to pay for necessary public infrastructure like streets and traffic signals, sidewalks and median landscaping, water and sewer treatment plants and lines, storm drainage facilities and parks and recreation facilities. The metropolitan district pays for bonds it issues by levying a property tax on all the property within the district boundaries or by assessing infrastructure, tap or other fees, or through a combination of these methods.\nThe tax levy is the rate of tax applied to the assessed value of all the property within the district's boundaries. The \"assessed value\" of property is that portion of the total market value of property that can be assessed for property taxes. Currently in Colorado, 7.94% of residential market value is assessed for property taxes. The assessed value of a $100,000 home, for example, would be 7.94% of $100,000, or $7,940. If the total assessed value of property within the boundaries of a metropolitan district was $10,000,000, and the district's tax levy rate was 25 mills, then the district would collect $250,000 in annual property tax revenue (25 mills x $10,000,000 assessed value = $250,000).\nA metropolitan district can use other means to raise revenue, including assessing fees, rates, tolls and other charges for the services it provides, and the district can use those fees to pay for the public infrastructure costs. Until paid, these fees, rates, tolls and other charges constitute a perpetual lien upon the property served by the public improvements, which may be foreclosed upon in the same manner as a mechanics' lien. A metropolitan district can also issue revenue bonds that are repayable from the fees, rates, tolls and other charges. Metropolitan districts, since they can offer many services, are often established by developers to finance, through the issuance of tax-exempt bonds and/or the assessment of fees, the infrastructure necessary to support a new subdivision. Streets, water and sewer lines, and other utilities must be provided to an area, which, prior to the subdivision's development, may have been vacant land. After the infrastructure is in place, the developer builds homes in the district. New and ongoing development increases the assessed value of the property within the district's boundaries, and provides the tax base necessary to generate the revenue required to make payments on the outstanding bonds.\nThe following actions are required in order to form a Title 32 special district:\n- The process is initiated when the organizer of the special district submits a Service Plan to the Town Board of Trustees, City Council, or CountyCommissioners. The Service Plan must include a description of the proposed services, a financial plan of how the proposed services are to be funded (i.e., through a mill levy, the imposition of fees, or both); engineering and architectural surveys showing the location of the public improvements, maps, and other relevant information concerning the proposed district.\n- A public hearing is held on the Service Plan following notice and publication of the hearing. The Town Board will approve or disapprove the Service Plan, with or without conditions.\n- No Service Plan may be approved if a petition objecting to the Service Plan is signed by the owners of taxable real and personal property which equals more than 50% of the total valuation for assessment of all taxable real and personal property to be included in the district is filed with the Town Board.\n- After the Service Plan of the proposed district is approved by the Town Board, a petition for the organization of the district and the authorizing resolution are filed in the appropriate district court. The petition must be signed by at least 30% or 200 of the taxpaying electors of the proposed district, whichever number is smaller.\n- A court hearing is held with regard to the submitted petition following notice and publication of the hearing, and if it appears that the petition has been signed by the requisite number of persons and otherwise complies with all statutory requirements, the court will direct that the question of the organization of the district be submitted to the eligible electors within the district boundaries at an election. This election will occur either in May or November.\n- If a majority of the eligible electors of the district vote in favor of the district's organization, the court will order the district organized. Only property owners (and their spouses) and residents within the boundaries of the district can vote in the election.\nA metropolitan district provides for the infrastructure necessary for new developments. The district itself constructs the improvements, and only the property owners within the district are taxed for the cost of the improvements. The Town is never responsible for the obligations of the metropolitan district.", "domain": "economics"}
+{"url": "http://iretiredunder40.com/", "date": "2015-07-01T12:43:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-27/segments/1435375094931.19/warc/CC-MAIN-20150627031814-00155-ip-10-179-60-89.ec2.internal.warc.gz", "language_score": 0.9629448056221008, "token_count": 1203, "dump": "CC-MAIN-2015-27", "global_id": "webtext-fineweb__CC-MAIN-2015-27__0__175389866", "lang": "en", "text": "Shopping for a car is something people have to do sometimes, and a lot of us dread doing it. Take the time to compare all your options and identify the ideal vehicle for your needs and your budget. This article has professional advice that can make your car buying experience better.\nTry to stay in control of the negotiations with your salesperson. Don’t let them talk you into a vehicle that is out of your price range. A lot of people purchase a sports car solely because the dealer talked them into it. Keep in mind that a salesperson is trying their best to make a decent commission, so selling a more expensive car benefits them.\nGo car shopping online before going to the dealership. The only time you ought to visit a dealership is when you absolutely know which brand and make you want. You can find information online that might not be offered by a dealership, such as reviews from current car owners, safety ratings and comparisons of similar models from different manufacturers.\nDo not forget to do some research on the dealer before making an offer on a vehicle. You will have a negotiating advantage if you understand their trade and financing practices. Also, learning about their customer reviews can help you avoid getting ripped off.\nFocus on the overall price, not the monthly price, in negotiations. A dealer can make any desired monthly price possible, but you’ll end up paying that monthly price for years and years, making the final cost of the car outrageous. It is a better idea to concentrate on getting a great deal on the final vehicle price, including the financing. From there, look into the monthly cost.\nAsk to have the car looked at by your personal mechanic before you purchase it from a dealer. If your dealer does not want to do this, turn around and go somewhere else. A good mechanic can provide an impartial opinion regarding any problems with the vehicle, such as signs that the car has been wrecked or submerged in flood water.\nYou do not need to pay the full sticker price for your next car. No dealer truly expects you to pay exactly what they ask. If you do not feel comfortable with your negotiating techniques, bring a friend with you who is. Make sure you research the car you are interested in first, however, so you have some idea of what to offer.\nDon’t expect to be in and out of the dealership. It is a bad idea to be in a rush, because it might cause you to make a poor deal. Keeping an afternoon open entirely is best. If for some reason you need to leave the dealership before you are ready, don’t panic. It is best to come back when you have more time.\nPrior to purchasing a car, test drive it. It isn’t about the make or model but about the specifics of the car you may buy. There might be a slight difference or mechanical problems that you won’t pick up without a test drive.\nAlways check to see what safety features each car has. The brakes and suspension are two things to take into account when car shopping. It is also important to have air bags. You’ll be in this car a lot, so safety is essential.\nAlways test drive the car. Test drive the vehicle you have chosen before beginning negotiations. Nothing can compare to hands-on experience. You might just find something you do not like about the car.\nShopping for new cars can be fun and exhausting. Do not forget that you can shop for a car online from home, saving you a lot of time and making it more pleasant. Quite a few websites allow for this and it makes shopping for a car much easier as you can see comparisons for different vehicles right beside one another. Doing so reduces viable options, saving you money and time.\nYou should only provide a social security number if you are seriously considering making a purchase from that dealership. A lot of places can use this information and they’ll take it and use it to run your credit. Many credit report checks can be a red flag to financiers. First have an ironclad deal before giving your SS number.\nYour trade-in should be kept a secret from the dealer. Don’t talk about trading your vehicle until you’re in negotiations about the new car you’re trying to get. Disclosing early will allow the dealer to alter the deal on the car.\nCall the lot to see if they have the model you desire in stock. If you go there and they don’t have what you want, the salesperson will try to get you to buy a different car, even if it is not what you were looking for. Going to a dealership that doesn’t have the car you want is a big waste of time. Take the few minutes it takes to make a quick call first.\nThe goal of a salesperson is to make the highest commissions. Therefore, exercise good judgement when making a deal. Beware of all the extra stuff that they try to add onto a sale. Even a sweet deal of a car can rise up in price fast.\nConsider fuel economy when purchasing your car. While it may cost more to purchase a fuel efficient vehicle, it will be worth it in the long run. Think about all of this before choosing a vehicle that fits your budget.\nBefore you buy anything, have a conversation with an insurance agent. They can give you an estimated cost for coverage. A car that seems affordable might turn out to be too expensive if insurance premiums for this make and model are too high. Look for a vehicle that will balance price with low insurance rates.\nLoving the car you buy is possible on any budget. You will get a better deal if you come across as an educated customer. Use these ideas on your next car shopping adventure. You will definitely be pleased at how well these tips work to get you the price that you deserve.", "domain": "economics"}
+{"url": "https://savekyiv.org/delivery/", "date": "2022-08-15T18:50:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882572198.93/warc/CC-MAIN-20220815175725-20220815205725-00746.warc.gz", "language_score": 0.9155898690223694, "token_count": 321, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__161350597", "lang": "en", "text": "HOW WE DELIVER NECESSITIES\nPurchases in Europe ➔ Warehouse in Poland ➔ Delivery in Kyiv, Bucha, Borodianka, Irpin, Mykolaiv, Chernihiv, Kharkiv, Dnipro, Zaporizhzhia, Odesa, Kryvyi Rih, Sumy, Bakhmach, Avdiivka, and Poltava\nWe took care of all the logistics. First, we collect donations and purchase medicines, food, and equipment in Europe. Unfortunately, finding everything necessary in Ukraine is practically impossible now: the shelves in stores and pharmacies are empty, and there are enormous queues everywhere.\nNext, we take the purchases to our warehouse in Poland, in Tomaszów-Lubelski town. From Poland, the necessities are taken to Lviv, and from there — to Kyiv.\nIn Kyiv, our volunteers take the necessities to the warehouse, upack them and pack into boxes destined to everyone we take care of. Our volunteers deliver the boxes to people in need across Kyiv within 1 day. Also, they deliver help to people in Bucha, Borodianka, Irpin, Mykolaiv, Chernihiv, Kharkiv, Dnipro, Zaporizhzhia, Odesa, Kryvyi Rih, Sumy, Bakhmach, Avdiivka, and Poltava. This is much safer and faster, plus many sick people just cannot go to the post office.", "domain": "economics"}
+{"url": "https://powercarving.de/en/shipping/", "date": "2021-07-29T07:14:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046153816.3/warc/CC-MAIN-20210729043158-20210729073158-00710.warc.gz", "language_score": 0.8990814089775085, "token_count": 336, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__61973981", "lang": "en", "text": "Payment and shipping\nThe following conditions apply:\nThe goods are delivered worldwide.\nDomestic deliveries (Germany):\nWe charge the shipping costs at a flat rate of 3.90 € per order.\nWe calculate the shipping costs abroad according to shipping weight:\nInternational Shipping Zone 1-3\nup to 1kg: 11,45€\nfrom 1kg: 14,00€\nInternational Shipping Zone 4-6\nup to 1kg: 25,35€\nfrom 1kg: 27,30€\nUnless another deadline is specified in the respective offer, the goods will be delivered in Germany within 1 – 3 days, in the case of deliveries abroad within 3 – 5 days after the conclusion of the contract (in the case of agreed advance payment after the date of your payment instructions).\nPlease note that there is no delivery on Sundays and public holidays.\nIf you have ordered items with different delivery times, we will ship the goods in a common shipment, unless we have made any different agreements with you. In this case, the delivery time is determined by the item with the longest delivery time you ordered.\nAccepted payment options\n– Prepayment by bank transfer\n– Payment via PayPal\n– Payment by PayPal (credit card, direct debit, invoice if applicable)\n– Payment by invoice\nMore details on payment\nPayment by invoice is possible under the following conditions:\nThe invoice amount must be sumupiated within 10 days if paid on invoice.\nOur bank details:\nBIC/SWIFT code: WELADED1LOS\nIf you have any questions, you will find our contact details in the imprint.", "domain": "economics"}
+{"url": "https://www.arschicago.com/could-you-benefit-from-new-hvac-installation/", "date": "2020-02-21T11:56:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875145529.37/warc/CC-MAIN-20200221111140-20200221141140-00475.warc.gz", "language_score": 0.9482856392860413, "token_count": 710, "dump": "CC-MAIN-2020-10", "global_id": "webtext-fineweb__CC-MAIN-2020-10__0__161511086", "lang": "en", "text": "An efficient HVAC system is the key to long-term home comfort. All HVAC equipment requires replacement eventually—most furnace systems will last 10-20 years, while air conditioners and heat pumps often last 10-15 years before replacement is required. While HVAC repair is often all it takes to solve common heating and cooling problems, there are some signs that new HVAC installation may be the best way to address frequent or serious breakdowns that affect your home’s comfort and the cost of your monthly utility bills.\nYour HVAC System is 10 Years Old or More\nThe older your HVAC system becomes, the more likely it is to lose efficiency and develop problems. If your HVAC system needs major repairs and is well over a decade in age, it may be a good time to start thinking about new HVAC installation. Even after an older system is repaired, it may still not perform as efficiently as a newer model, simply due to age or advancements in heating and cooling technology that have been made since your current system’s installation. However, it’s important to note that maintenance history can play a large role in the efficiency of your HVAC system at every age. Even if your HVAC system is more than a decade old, if you have taken steps to maintain it properly over the years, you can expect it to last longer and perform better than a system that has not been maintained over the same length of time. A well-maintained furnace, air conditioner, or heat pump may last much longer and will perform better over the long term than a poorly-maintained system.\nYour HVAC System Will Be Expensive to Repair\nThe price of home comfort should balance the results you get. If your HVAC system is aging or inefficient, the cost of major repairs may not be worth retaining a system that will cost you more to run each month than a newer, more efficient model. When considering the cost of repairs versus replacement, talk to your HVAC service expert about how the cost of your HVAC repairs measure up to the price of a new system. If the cost of your HVAC repairs totals more than half the cost of installing a new system altogether, it may be in your best interests to consider new HVAC installation. Particularly if you have been unhappy with the performance of your HVAC system in the past, installing a new system could be a smarter financial move than continuing to pay more than necessary for subpar home comfort, even after repairs. Alternatively, several small breakdowns that affect an older HVAC system may also be indicative that you can benefit from new HVAC installation, as even small repair bills can add up over time. If your HVAC system has been unreliable in the past few months or years, it’s a good idea to think about the benefits of purchasing a new system that will deliver problem-free heating and cooling right from the start.\nAre you considering new HVAC installation in Chicago? We are pleased to offer top-quality heating and air conditioning equipment with professional installation and easy payment options to make getting a new HVAC system an easy and cost-effective way to enjoy greater home comfort. You can check us out on the web to learn more about our heating, air conditioning, and indoor air quality products, or click through our online blog for more home HVAC tips, information, and news.", "domain": "economics"}
+{"url": "http://www.tbgcontracting.com/concrete-recycling/", "date": "2024-04-15T03:12:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816939.51/warc/CC-MAIN-20240415014252-20240415044252-00482.warc.gz", "language_score": 0.9006739258766174, "token_count": 403, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__138540346", "lang": "en", "text": "Recycling concrete results in considerable savings for municipalities and promotes sustainability of landfills and natural aggregate reserves.\nLandfill space in Alberta is expensive and has limited life expectancy. Reducing the amount of waste at the landfills, through recycling, prolongs landfill life and promotes sustainability.\nTBG contributes to sustainable landfills through the recycling of concrete and asphalt from deconstructed municipality infrastructure. Our recycled concrete is suitable for re-use for drainage applications, sidewalk construction, and for other local construction projects.\nOptimizing Municipality Budgets\nRecycling concrete provides budget optimization opportunities for municipalities. Costs associated with transporting concrete to and disposal at landfills can be saved through using our Portable crushing plants, which can be mobilized to your demolition site to create recycled concrete for use at that site. In addition, using recycled concrete for municipal projects reduces virgin aggregate cost for municipality projects and preserves the life of natural aggregates reserves.\nCost Savings through Crushing Programs\nPeriodically, Lafarge will execute concrete crushing circuit programs which involve completing several concrete crushing projects within a single mobilization trip, with the intent of providing cost savings to municipalities.\nTo facilitate providing you a quote, a Lafarge crushing specialist can drive over to your facility to determine how many tonnes of concrete you have. The more concrete piles we crush in a circuit, the cheaper it is for everyone.\nHigh Quality Recycled Concrete\nLafarge’s portable crushing plant can be easily transported to your concrete rubble site and has the ability to crush and recycle up to 2,500 tons of concrete per day in a single 12 hour shift. Our crushing plant is equipped with 2 self-cleaning magnets which remove metal from the processed rubble to create a 20mm crushed recycled concrete aggregate. With our rigorous QA/QC process, you can be assured of crushed concrete\nthat is consistently clean and reliable for your construction projects.", "domain": "economics"}
+{"url": "https://soamazing.com/pages/free-gift-promotion", "date": "2024-02-21T15:09:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473518.6/warc/CC-MAIN-20240221134259-20240221164259-00345.warc.gz", "language_score": 0.9530029296875, "token_count": 275, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__75799792", "lang": "en", "text": "Our Free Gift with Purchase promotion allows customers to receive a complimentary gift when they make a qualifying purchase on our website. This is our way of showing appreciation for your support and loyalty.\nTo qualify for a Free Gift, your purchase must meet the specific criteria mentioned in the promotion's terms and conditions. These criteria could include a minimum order value, specific products, or other requirements. Please refer to the promotion details for accurate information.\nPlease note that the number of Free Gifts you receive will be based on the terms of the promotion. Even if your cart contains a higher quantity of items, we will only ship the expected number of Free Gifts as stated in the promotion terms.\nIf you believe there has been an oversight and you did not receive the correct number of Free Gifts as per the promotion terms, please contact our customer support team within 7 days of receiving your order. We'll be happy to assist you and ensure you receive the appropriate number of Free Gifts.\nIf you decide to return any items from your order that qualified you for the Free Gift promotion, you will also need to return the Free Gift. If you have opened/used or decide you want to keep the Free Gift, the retail price of the item will be deducted from your refund credit. Because the promotion is designed to reward qualifying purchases, returning those items would impact your eligibility for the Free Gift.", "domain": "economics"}
+{"url": "https://www.urbanomicsplanning.com/about/", "date": "2023-12-06T02:03:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100575.30/warc/CC-MAIN-20231206000253-20231206030253-00285.warc.gz", "language_score": 0.9380585551261902, "token_count": 328, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__221176579", "lang": "en", "text": "Matt Goulet, Principal\nUrbanomics is led by Matt Goulet, a veteran land use and real estate consultant based in Los Angeles. Mr. Goulet has entitled and serviced more than 3 million square feet of floor area, 3000 residential units and 300 acres of infill development in the City of Los Angeles, County of Los Angeles and various other municipalities in California.\nWith a nearly 25-year background in engineering, business development, economic development and urban planning, he has worked with industries that form the backbone of the Southern California economy and job base including aerospace, manufacturing, theme parks and motion pictures. Matt has also created numerous studies on regional economic development, urban planning, real estate economics and goods movement for public agencies and private interests in California. Since 2007, he has produced over 100 land use feasibility evaluations and he has developed entitlement strategies and secured land use approvals for several major projects and landowners in Southern California.\nIn addition to serving as the Principal of Urbanomics, Matt serves as the Chairman of the Board for 1010 Development Corporation, a non-profit affordable housing developer in Downtown Los Angeles. Mr. Goulet holds a Bachelor of Science in Mechanical Engineering from the University of Maryland, an MBA from California State University Northridge, and a Professional Certificate in Real Estate Investments from UCLA. Matt also holds an FE/EIT certification in Mechanical Engineering from the Maryland Board of Professional Engineers and is a licensed Broker in the State of California. Furthermore, he served as a docent providing architectural tours for the Los Angeles Conservancy and on the Advisory Board and Management Committee for the Los Angeles Chapter of the Urban Land Institute.", "domain": "economics"}
+{"url": "https://www.greenspringllp.com/valuation", "date": "2023-06-01T01:44:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224647525.11/warc/CC-MAIN-20230601010402-20230601040402-00460.warc.gz", "language_score": 0.8700168132781982, "token_count": 120, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__183706190", "lang": "en", "text": "top of page\nGreen Spring provides independent valuations of businesses, business interests, and intangible assets for the purposes of estate planning, financial reporting, business and transactional support, and dispute resolution.\nOur approach combines proven valuation techniques, thorough research and analysis, and an understanding of key value drivers to provide credible, well-supported opinions that withstand third party scrutiny and that enable timely and informed decision-making. Our valuation professionals regularly collaborate with Green Spring’s experts in tax, audit, and consulting to provide clients comprehensive insights and unparalleled service.\nbottom of page", "domain": "economics"}
+{"url": "https://rimjhimkhanna.com/2022/05/15/bespoke-manufacturing-company-bmc-chooses-lectras-solutions-to-automate-its-on-demand-manufacturing-2/", "date": "2022-05-25T19:00:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662593428.63/warc/CC-MAIN-20220525182604-20220525212604-00726.warc.gz", "language_score": 0.9367045164108276, "token_count": 910, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__22610729", "lang": "en", "text": "Lectra helps sustainable onshore manufacturer BMC go from design to print, cut and stitch in hours\nNew York, April 29, 2022 – A major global player in the fashion, automotive and furniture markets, Lectra designs industrial intelligence solutions (software, equipment, data and services) for brands, manufacturers and retailers. Lectra is equipping Bespoke Manufacturing Company (BMC) with its range of Gerber AccuMark® solutions and the Gerber Z1 cutting machine for its manufacturing site in Phoenix, Arizona.\nA bespoke womenswear manufacturer, BMC is known for its revolutionary on-demand business model, which provides customized garments through onshore manufacturing to improve sustainability and profitability. All products are sold prior to production, minimizing fabric waste and excess inventory, which greatly reduces costs. By adopting this model, BMC also gains agility in helping its customers respond to sudden changes in consumer demand, tastes and preferences. “Our goal is to provide a viable alternative to the traditional supply chain by reducing production times from months to minutes,” says J. Kirby Best, managing director, Bespoke Manufacturing Company.\nBMC chose Lectra’s Gerber Z1 cutter and Gerber AccuMark CAD system to power its iCreate.Fashion platform, which serves as the backbone of its on-demand factory. This technology ecosystem incorporates a digital printing solution, Kornit Presto, and AccuMark 2D from Lectra, AccuMark Made-to-Measure solutions, as well as GERBERcutter® Z1 that enable BMC to go from design to print, cut and stitch in minutes. , without having to face the risk of errors. With Lectra’s solutions, BMC can simplify and automate the on-demand production process, without having to deal with complex logistical problems and long lead times. As a result, they can achieve high productivity using fewer resources and manpower, ensure continued profitability, and expand their business to other regions with the same production model.\n“Compared to mass production, the on-demand model fits well with the new fashion normality, as it digitizes the supply chain, creates minimal waste and is more agile to meet consumer needs. Traditionally, it is a complicated and tedious process, with long lead times. Our Industry 4.0 technology connects the dots to enable more and more pioneering companies like BMC to adopt this way of manufacturing without any of its drawbacks, thanks to automation. By helping BMC, we are fostering a flexible and responsible manufacturing mindset, which is a step towards the future of the fashion industry. At the same time, we are bridging the gap between profitability and environmental sustainability “, says Lenny Marano, President, Americas, Lectra.\nAs a major player in the fashion, automotive and furniture markets, Lectra contributes to the Industry 4.0 revolution with audacity and passion by providing the best technologies.\nThe group offers industrial intelligence solutions – software, equipment, data and services – that facilitate the digital transformation of the companies it serves. In doing so, Lectra helps its customers push their limits and unlock their potential. The group is proud to say that its 2,400 employees are driven by three core values: being open-minded thinkers, trusted partners and passionate innovators.\nFounded in 1973, Lectra recorded a turnover of 388 million euros in 2021 and is listed on Euronext (LSS). For more information, visit lectra.com.\nAbout the bespoke manufacturing company:\nCustom Manufacturing Company, LLC. specializes in the production of one-off clothing activated by the purchase. BMC has developed technologically advanced manufacturing and distribution solutions for the on-demand apparel industry. Its factory model automates and integrates every aspect of the manufacturing process from order entry to delivery. Integrated components driven by complex software solutions allow BMC to produce unique SKUs on demand, thus eliminating inventory costs and simplifying the supply chain.\niCreate.Fashion (iCreateone, Inc.) is an industrial platform designed for brands and designers to create, track, store and distribute their traditional human-readable technology packages and their machine-readable Smart Tech Packs (STPs) to retailers and manufacturers globally. iCreate also built an Integrated Manufacturing System (M3) designed to eliminate as many human activities as possible in order to deliver customized on-off on-demand products.\nBMC is located at 3100 East Broadway Road in Phoenix, AZ.", "domain": "economics"}
+{"url": "https://www.valfresh.pt/index-en.html", "date": "2024-02-21T19:32:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473524.88/warc/CC-MAIN-20240221170215-20240221200215-00824.warc.gz", "language_score": 0.8858562707901001, "token_count": 187, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__112499032", "lang": "en", "text": "We supply fruits and vegetables to supermarkets and wholesalers all over Europe, Africa and South America. We also regularly include new varieties of fresh produce.\nMain markets: Poland, France, Netherlands\nThe United Kingdom, Spain, Angola, Morocco and Senegal.\nLocated in Ribatejo, Portugal, Valfresh Lda. is a company dedicated to the international trade of Vegetables and Fruits.\nOur main activity is exporting fresh vegetables and fruits throughout Europe and Africa.\nOur main objective is to maintain the highest standard of provided services to ensure our costumers needs are met.\nOur most important values are our ambition to help and professional dedication.\nWe aim to create value for both our customers and suppliers, for our team, and for our region and country.\nAll products are classified and packaged according to our customer's requirements, regarding quality, food production standards and logistics.\nYou can count on us.", "domain": "economics"}
+{"url": "https://julia-said.com/the-first-undressable-lady-dimitrescu-figurine-has-been-announced-the-photo-showed-her-naked-body/", "date": "2022-10-01T11:13:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030335609.53/warc/CC-MAIN-20221001101652-20221001131652-00639.warc.gz", "language_score": 0.9659136533737183, "token_count": 122, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__248956406", "lang": "en", "text": "According to the description, the base of the figurine has built-in LED lighting, which, when turned on, will create the effect of burning candles. The eyes of the vampire are made of glass, the clothes are made of fabric, and the stockings are made of silk.\nAs with other similar figurines, the circulation will be severely limited. Only 199 units will be produced worldwide. The pre-order is already open. Such a figurine will not be cheap at all. They ask for $ 850 for it. Buyers will receive their goods in the second quarter of next year.", "domain": "economics"}
+{"url": "http://www.dixonandjohnstonpc.com/524977/2012/08/18/foreclosures-affecting-older-americans.html", "date": "2015-03-03T16:28:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-11/segments/1424936463340.29/warc/CC-MAIN-20150226074103-00159-ip-10-28-5-156.ec2.internal.warc.gz", "language_score": 0.9589024186134338, "token_count": 510, "dump": "CC-MAIN-2015-11", "global_id": "webtext-fineweb__CC-MAIN-2015-11__0__161788945", "lang": "en", "text": "Between foreclosure fraud, plummeting house values, and a rocky financial outlook , millions of Americans have lost their home in the last five years. The older population has particularly suffered during this period. AARP estimates show that between 2007 and 2011, more than 1.5 million older Americans faced foreclosure as a result of the mortgage crisis. Here is a further look at how foreclosure is affecting an older population and how a bankruptcy lawyer can help.\nLack of Housing Security\nThe housing crisis of the last half decade rocked the American middle class to its core. While older Americans have always been considered more financially secure than other segments of the population, everyone’s foreclosure and bankruptcy rates have exponentially increased in the last five years. Older Americans are now carrying more debt than the used to, and millions are at constant risk of losing their homes. In fact, people over age 75 have a foreclosure rate of 3.2 percent compared to 3 percent for Americans between 50 and 64 and just 2.6 percent for those between the ages of 64 and 75.\nA Look at the Numbers\nStatistics from the last 5 years really illustrate the magnitude of the foreclosure crisis. AARP researched the housing security levels of older Americans, and found that among people over the age of 50, the percentage of loans that are seriously delinquent increased 456 percent during the five-year period of the recession. In 2007, the amount was 1.1 percent, and it increased to 6.0 percent by 2011. The AARP study notes that as of December 2011, 16 percent of loans of the mortgages held by Americans over the age of 50 were underwater.\nFiling for bankruptcy can help you halt foreclosure and keep your home. If you are thinking about this process, contact an experienced bankruptcy attorney as soon as possible. Illinois residents who are thinking of this legal solution should contact the Belleville office of Dixon & Johnston, P.C. by calling (618) 233-1103. Our bankruptcy and foreclosure team will work to help you keep your home and stop the creditor phone calls once and for all.\nThe materials available at this website are for informational purposes only and not for the purpose of providing legal advice. You should contact your attorney to obtain advice with respect to any particular issue or problem. Use and access to this website or any of the links contained within the site do not create an attorney-client relationship. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney.", "domain": "economics"}
+{"url": "https://maps.mixmarket.org/south-africa/", "date": "2019-09-21T11:20:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514574409.16/warc/CC-MAIN-20190921104758-20190921130758-00045.warc.gz", "language_score": 0.9204092025756836, "token_count": 635, "dump": "CC-MAIN-2019-39", "global_id": "webtext-fineweb__CC-MAIN-2019-39__0__85101424", "lang": "en", "text": "The South Africa Map of Financial Inclusion investigates the landscape for financial services in South Africa and provides access to data on the location of more than 38,000 points of service around the country. By mapping financial services providers, the site provides insight into the financial access and inclusion within South Africa. The site provides locations of bank branches and ATMs, post offices, microfinance institutions, salary-based microlenders, development programs and several thousand other credit providers, including pawn shops, retailers providing credit services, and lenders providing cash loans and vehicle finance.\nData on the location of institutions and branches have been collected using primary sources and web scraping to extract the numbers and locations of financial services from publicly available data, consolidated into a single database. For more on this dataset, please see our blog post.\nVisit the MIX Market South Africa page for more information on microfinance institutions in South Africa.\nPopulation estimates are provided for the second-level administrative area (metropolitan and district municipalities) for the year 2010. The population estimates were obtained and prepared by the U.S. Census Bureau for the U.S. Government President’s Emergency Plan for AIDS Relief (PEPFAR) HIV Spatial Data Repository. Estimates are consistent with midyear national projections from the U.S. Census Bureau International Database. Additional metadata provided by the HIV Spatial Data Repository.\nPoverty ratio estimates for first-level administrative divisions (province) were obtained from the 2002 study, How Low Can You Go? Combining Census and Survey Data for Mapping Poverty in South Africa, published by the Journal of African Economies. Alderman et al. calculated a poverty headcount index based on observable characteristics of households and provided estimates by province. Alderman H., M. Babita, G. Demombynes, N. Makhatha, and B. Özler. 2002. “How Low Can You Go? Combining Census and Survey Data for Mapping Poverty in South Africa.” Journal of African Economies 11(2): 169–200. Abstract\nData about financial services and access were provided by FinScope. Percent financially excluded by province is an estimated measure of the number of individuals who do not use any formal or informal financial services. Percent never banked by province is an estimated measure of the number of adults who have never banked. Data was obtained from the Finscope South Africa 2010 survey.\nThis map uses two additional measures of accessibilty, locations per 100,000 and locations per 1,000km2. Locations per 100,000 adults was derived using the 2010 population estimates provided by the U.S. Census Bureau. The number of total financial institutions was divided by the number of individuals 15 years or older based on the age groupings by second-level administrative unit (metropolitan and district municipalities) provided in the population estimates. Locations per 1,000km2 was calculated using the derived area of each administrative unit. The total number of financial institutions was divided by the area (km2) of the second-level administrative unit (metropolitan and district municipalities).", "domain": "economics"}
+{"url": "http://lyliuqing.en.alibaba.com/company_profile.html", "date": "2016-07-26T06:26:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-30/segments/1469257824756.90/warc/CC-MAIN-20160723071024-00046-ip-10-185-27-174.ec2.internal.warc.gz", "language_score": 0.8098176717758179, "token_count": 506, "dump": "CC-MAIN-2016-30", "global_id": "webtext-fineweb__CC-MAIN-2016-30__0__44224075", "lang": "en", "text": "Linyi Liuqing Crafts Co., Ltd.\nThe supplier's company premises has been checked by Alibaba.com staff to ensure onsite operations exist there. A third-party verification company has confirmed the legal status of the supplier.\n|Location:||Shandong, China (Mainland)||Verified|\n|Main Products:||Willow Flower Basket,Willow Flower Pot,Willow Bicycle Basket|\n|Total Employees:||51 - 100 People|\n|Total Annual Revenue:||US$1 Million - US$2.5 Million|\n|Top 3 Markets:||Western Europe 45.00% Eastern Europe 20.00% Central America 10.00%|\n|Product Certifications:||Test Report|\nLinyi Liuqing Craftwork Co., Ltd. is a professional manufacturer. Our company is located in \"Co...\nLinyi Liuqing Craftwork Co., Ltd. is a professional manufacturer. Our company is located in \"County Of Willow Base in China\" - Linshu County, Shandong Province, and the county is famous for rich and natural resources of willow, soft grass and wood.\nOur products include grass and wicker baskets, wicker flower basket, gifts baskets, fruit baskets, laundry baskets, storage baskets, wicker pets beds, wicker coffines, wooden boxes, willow cabinets and wooden toys.\nAll products are sold to Europe, America, South Africa, Japan, Southeast Asia, Hong Kong, Macao and so on. Our wicker-grass and wooden products are popular in every corner of the world. We welcome all friends both at home and abroad to visit us and cooperate with us to create a bright future together\nProduction Capacity View More >\n|Product Name||Units Produced (Previous Year)||Highest Ever Annual Output||Unit Type|\n|willow gift baskets||200000||500000||Piece/Pieces|\n|willow picnic baskets||150000||300000||Piece/Pieces|\n|willow decorative crafts||300000||800000||Piece/Pieces|\nTrade Capacity View More >\nTrade & Market\n|Main Markets||Total Revenue(%)|\n|Export Percentage:||71% - 80%|\n|Export Mode:||Have Own Export License|\n|No. of Employees in Trade Department:||6-10 People|\nEmail to this supplier", "domain": "economics"}
+{"url": "https://www.osmosunwater.solutions/en/project/oman-osmosun-3-bw-the-community-of-fathkait-dhofar/", "date": "2021-09-27T00:48:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780058222.43/warc/CC-MAIN-20210926235727-20210927025727-00102.warc.gz", "language_score": 0.8436911702156067, "token_count": 172, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__244562794", "lang": "en", "text": "In Oman, the community of Fathkait, Dhofar is provided with drinking water\nOSMOSUN® 3 BW unit with the view of the installation of solar panels\nOSMOSUN® 3 BW unit – Oman, Fathkait community\nThe OSMOSUN® 3 BW unit producing 21 m3 of clean water per day operating only with solar energy, without batteries.\nMASDAR has financed and installed 50 MW of wind power in Oman. In this momentum MASDAR financed the OSMOSUN® 3 BW water production unit of Mascara NT which produces 21 m3 per day of drinking water for the population of the community of Fathkait, Dhofar in the desert of Oman. A project with the on-site relay and the participation of Mazoon FAHOUD Trading Ltd.", "domain": "economics"}
+{"url": "https://www.pipecaregroup.com/gulf-investment-corporation-acquires-equity-stake-in-pipecare-group-holding/", "date": "2023-12-05T08:40:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100550.40/warc/CC-MAIN-20231205073336-20231205103336-00236.warc.gz", "language_score": 0.9415188431739807, "token_count": 514, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__209352772", "lang": "en", "text": "Gulf Investment Corporation Acquires Equity Stake in PIPECARE Group Holding\nGulf Investment Corporation, G.S.C. (GIC) has acquired a significant minority stake in the UAE-based PIPECARE Group Holding, a leading provider of engineering and inline inspection tools for the oil and gas industry. The transaction was completed on Abu Dhabi’s ADGM on November 15, 2023.\nGiven the strong market momentum, GIC’s investment in PIPECARE will accelerate the realization of the group’s vision to become a global leader in pipeline inspection and integrity technology and services. PIPECARE will leverage GIC’s participation and fresh capital injection to strengthen its regional outreach and international expansion, especially in the North American market, with its premium offering of high-end in-line inspection technologies.\n“We are excited to enter a new phase in our company’s growth in partnership with GIC to further develop our technology and play a critical role in supporting our customers in the safe delivery of energy, while meeting the challenges of the energy transition” said Dr. Khaled El-Shami, founder of PIPECARE Group and Chairman of the Board of Directors.\n“This investment highlights the interest of GIC in partnering with a successful GCC company to help it expand its operations outside the region”, said Mr. Meshary Al-Judaimi, Group Head - Principal Investments at GIC. “The company is positioned for rapid growth in the near future and our investment reaffirms our belief that PIPECARE and its management team will deliver real value” added Mr. Al-Judaimi.\nPIPECARE Group, founded in 1998, serves as a major provider of In-Line Inspection services to national and international pipeline operators, covering more than 85 countries. Over the last 25 years, PIPECARE has inspected more than 750,000 kilometers of pipelines with a large fleet of inspection tools, ensuring integrity and safe operations of their clients’ assets. PIPECARE has been providing innovative and adaptive engineering services along with predictive AI software solutions.\nGulf Investment CorporationFounded in 1983 by the Gulf Cooperation Council (GCC), GIC is a financial institution equally owned by the six member states of the GCC. GIC is a principal investor that supports the development of private enterprise and economic growth in the region. It aims to promote economic cooperation and growth throughout the region and beyond through its equity commitments.", "domain": "economics"}
+{"url": "https://www.kr-zlinsky.cz/zlin-region-s-assembly-cl-229.html", "date": "2023-03-30T21:10:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296949387.98/warc/CC-MAIN-20230330194843-20230330224843-00495.warc.gz", "language_score": 0.9157270193099976, "token_count": 279, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__147472771", "lang": "en", "text": "The supreme body of the regional self-government, Zlín Region’s Assembly, consists of 45 representatives elected by direct universal suffrage for a four-years term. The members of the Assembly elect from among them members of the Regional Council that consists of the Governor, Deputy Governors and other members (Councillors). The Assembly convenes at least once every three months and its sessions are open to the public.\nPursuant to applicable law, the Assembly is entitled to submit motions and bills to the House of the Representatives of the Parliament of the Czech Republic; submit proposals for revocation of certain acts to the Constitutional Court; issue Region’s generally binding decrees; co-ordinate regional area planning; approve developmental programmes and provide for their implementation; approve regional tourism development schemes; set the scope of basic public transport services in the region; make decisions concerning international co-operation projects; approve the Region’s budget and balance sheet; establish and disband contributory organizations; establish trading companies, committees etc.; and make decisions concerning the following actions affecting property rights: purchase and transfers of immovable property, providing subsidies to municipalities, providing subsidies in excess of CZK 200,000 to other subjects, etc.\ntřída Tomáše Bati 21\n761 90 Zlín", "domain": "economics"}
+{"url": "http://moldamatic.com/about-us/", "date": "2019-01-18T16:22:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583660175.18/warc/CC-MAIN-20190118151716-20190118173716-00153.warc.gz", "language_score": 0.9637148380279541, "token_count": 477, "dump": "CC-MAIN-2019-04", "global_id": "webtext-fineweb__CC-MAIN-2019-04__0__22995699", "lang": "en", "text": "For over 50 years Moldamatic has been focused on providing our customers with world class injection molded plastic products and services. We are a quality driven, customer focused, and experienced full-service injection molder. Our customers range from small businesses to Fortune 100 companies.\nIn fact, our multi-faceted Management Team brings a wealth of proven industry experience and knowledge to your plastics and injection-molding requirements. We serve multiple vertical industries and have historically been proven to be very competitive in today’s demanding marketplace offering a myriad of injection molded solutions.\nMoldamatic, LLC prides itself on all our services being available under one roof. When our customer’s take advantage of this option we are better able to maintain a standard of quality that surpasses our competitors. However, we are with our customer through every step of the process, whether they decide to stay in house or outsource to one of our trusted offshore partners. This has allowed us to build long lasting relationships with our customers and provide them with:\nMoldamatic, LLC was founded in 1967 by William Spolar with two injection presses, venture capital, and a small base of customers. William had recognized the importance of plastic and took his expertise in metal tool and die design and started to design plastic injection molding.\nAt that time, we offered engineering, mold building, the production of parts, and custom services that we could gear towards any industry. For over ten years we worked on gaining our foothold in the business community under our founder.\nIn 1976 William Spolar passed away. His son, William A. Spolar became the President of Moldamatic. Together with his sister and Vice President in an advisory role Mary Anne, William A. Spolar continued to grow the company to become what his father had envisioned.\nToday, Moldamatic, LLC has grown from a small custom injection molder into a global player. We do business in the USA, Canada, Mexico, Great Britain, and the Caribbean. We continue to maintain strong, lasting relationships with our customers and we operate under the same core values we were founded on.\nWe strive to be more than just a vendor to our customers. We strive to be an extension of your manufacturing efforts and a partner in your success. We look forward to working together and becoming a part of your organization.", "domain": "economics"}
+{"url": "http://lebanonfcu.org/share.html", "date": "2013-12-09T22:03:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386164000828/warc/CC-MAIN-20131204133320-00075-ip-10-33-133-15.ec2.internal.warc.gz", "language_score": 0.8977309465408325, "token_count": 397, "dump": "CC-MAIN-2013-48", "global_id": "webtext-fineweb__CC-MAIN-2013-48__0__120502952", "lang": "en", "text": "Share (Savings) Accounts\nand direct deposit are available on all share accounts\nOur Regular Shares are the backbone of your LFCU account. Whatever your financial goals\nare, our Regular Shares account will bring you one step closer to them. Not only will you\nearn competitive dividends, but you will enjoy convenient account access through MAC/ATM\nmachines and our Phone (Personal Access Teller) Teller.\nMaintaining a minimum balance of $25 in a Share/Savings account is required to maintain\nyour membership in Lebanon FCU. Your Share/Savings account can be single or joint and\nearns dividends on a monthly basis.\nMoney Market Share Account\nLooking for an investment account that offers you a high return on your investment\ndollars and the ability to access your funds with check writing capabilities?\nConsider the advantages of a Money Market account with Lebanon FCU. With a minimum opening\nbalance of $2,500, you can set up a Money Market Shares and get a higher rate on your\nsavings than you would with Regular Shares. Other features include:\n- Earn higher dividends on balances of $2,500 or more. And even higher dividends on\nbalances above $50,000, $75,000 and $200,000.\n- Write up to three checks or make a total of six transfers per month, with a minimum of\n$250 per withdrawal.\n- Free checks.\nCheck our latest interest\nNeed more information on our Savings Shares?\nCall (717) 272-2210 or (800) 489-5328, extension\nBe aware that by continuing on you will be leaving www.lebanonfcu.org and viewing content from another website not under the control of the Lebanon Federal Credit Union. LFCU cannot be held responsible for it's content or any activity entered into by a member and the third party vendor.", "domain": "economics"}
+{"url": "http://jaensch.com/carat-weight/", "date": "2022-05-28T10:08:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652663016373.86/warc/CC-MAIN-20220528093113-20220528123113-00636.warc.gz", "language_score": 0.9476906061172485, "token_count": 621, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__255373128", "lang": "en", "text": "The weight of diamonds and gemstones is measured in standardized metric carats (abbreviated ct) and must not be confused with the ‘caratage’ or purity of precious metals. The name ‘carat’ comes from carob seeds which were historically used as counterweights and are by nature unusually uniform.\nOne carat equals 0.2grams and 5 carats amount to 1 gram. 1 carat may further be subdivided into 100 points. Small diamonds below 1ct total weight are hence also known as ‘pointers’ in the diamond trade. Pointers of equal to or less than 15 points (pts) are referred to as melée or smalls. These are often measured in millimeters and commonly sieved for fast sorting.\nGenerally speaking the larger a diamond, the rarer it is, the higher its price will be. This correlation between weight (size) and price is essentially near perfect until a stone reaches a size of approximately 15 to 20ct. Beyond this range the per-carat-price relationship effectively becomes invalid and the price curve flattens. This is primarily due to the lack of practical use for giant stones as wearable ornaments.\nThe weight of a diamond has further indirect implications.\nA well cut stone for example will usually show a sufficiently large face (surface area) due to an expected spread or diameter that is closely correlated with its true weight. Poorly cut stones on the other hand may be deep. However this relationship is not perfect and weight particularly difficult to estimate in smaller stones. When buying diamonds one is hence advised to compare the actual weight to the relative diameter in case of round stones or against the [length x width] figure when assessing fancy shapes. This is important as diamantaires will adjust pricing of stones accordingly.\nPrices on a per-carat-basis of stones approaching the next size up, so called ‘oversizes’, are higher than those for stones situated at the bottom of the respective carat size class. For example a price premium will apply to a 1.80ct stone (all other factors equal) relative to the price of a 1.50ct diamond. Such pricing behaviour effectively smoothes out the price curve.\nThis however does not contradict the percs of buying a ‘shy’ carat diamond. These are stones just below a psychological ‘size’. A good example would be a 1.98ct instead of 2.00ct diamond. Since prices jump at certain weight boundaries, significant savings would be expected. Such a ‘shy’ two carat stone would essentially still look the same size as a true two carat stone and be considered a savvy buy.\nLastly certain cultural superstitions affect marketing of particular sizes nowadays. 8ct diamonds for example attract prosperity according to Chinese who are thus willing to pay premiums for such stones. Contrarily 4ct diamonds are avoided by the Sino market as the number is a harbinger of bad luck.", "domain": "economics"}
+{"url": "https://www.smmash.no/content/regulamin", "date": "2019-02-23T00:29:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550249414450.79/warc/CC-MAIN-20190223001001-20190223023001-00060.warc.gz", "language_score": 0.931398332118988, "token_count": 4289, "dump": "CC-MAIN-2019-09", "global_id": "webtext-fineweb__CC-MAIN-2019-09__0__224087893", "lang": "en", "text": "Rules of the \"SMMASH\"\nInformation on the Seller\n- The rules of the \"SMMASH\" e-shop specify types, scope, and conditions of services and sales of Goods online via the B2B platform with the www.b2b.smmash.eu domain and the e-shop operating with the domain of www.smmash.eu, which belongs to \"Complete Brand Management\" sp. z o.o. sp. k. with the registered office in Łódź, ul. Rewolucji 1905 r. no. 82, entered in the Register of Entrepreneurs with the no.: 0000464687, NIP: 725-206-85-21, whose registration documents are kept by the District Court for Łódź-Śródmieście in Łódź, Commercial Division XX of the National Court Register.\n- It is possible to contact the Seller from Monday to Friday, from 10:00 a.m. to 04.00 p.m. via:\n- e-mail address: email@example.com,\n- phone no.: +48 42 288 10 81.\nThe following expressions used herein have the following meaning:\n- Consumer – Purchaser who is a natural person performing a legal transaction which is not related directly to their economic or professional operations.\n- Buyer – Consumer or Entrepreneur who sets up an account in the Shop in order to make a sales agreement with the Seller. In case of natural persons, only a person with full capacity to perform legal transactions may be a Client.\n- Entrepreneur – Buyer who is a natural or legal person or an organizational unit with no legal personality, conducting economic or professional operations.\n- Rules – these Rules.\n- Shop – B2B sales platform with the domain of www.b2b.smmash.eu and the shop operating with the domain of www.smmash.eu, which act as agents for the Seller in sales of the Seller's Goods.\n- Seller – \"Complete Brand Management\" sp. z o.o. sp. k.\n- Retail Sale – sale of up to 10 pieces of Goods and sales to Consumers.\n- Whole Sale – sale of Goods to Buyers registered as whole sellers.\n- Goods – Goods offered by the Seller for sale via the Shop and Goods produced at a Buyer's individual request.\n- Agreement – agreement concerning sale of Goods made by the Buyer with the Seller via the agency of the Shop.\n- Service – services provided by the Seller on-line based on the Rules.\n- The Seller provides Services on-line within the meaning of the Law of 18 July 2002 on providing services on-line (Dziennik Ustaw [the Polish Journal of Laws] of 2002, No. 144, item 1204, as amended).\n- Access to the Shop is provided upon principles specified in the Rules and it is free to all Buyers who are connected to the Internet.\n- Before starting to use the Shop, the Buyer is obliged to read the Rules. The Seller provides access to the Rules free of charge, in the form which enables downloading, saving, and printing.\n- By registering an account in the Shop, the Buyer acknowledges that they have read the Rules and that they accept all provisions hereof. The Buyer is obliged to observe provisions of the Rules.\nTechnical Conditions of Using the Shop\nIn order to use the Shop properly, it is necessary:\n- to have a device with an access to the Internet,\n- to have a web browser and software enabling the use of websites,\n- to have an active and correctly configured e-mail account.\nScope and Conditions of Providing Services\nTypes of Services Provided On-line\nThe Seller provides on-line services which consist in:\n- providing on-line access to the Shop and enabling the Buyers to place orders and make sale agreements with the Seller via the Shop,\n- sending ordered bulletins and information on the offer of the Shop by e-mail,\n- enabling the Buyer to download Goods sheets, catalogues, technical sheets, and other contents provided by the Seller from the Shop website.\nMaking an Agreement on Provision of Services\n- The Seller provides Services free of charge.\n- Services are provided after the Buyer registers their account in the Shop. To register an account, it is necessary to:\n- provide the Buyer's data, i.e. user name, e-mail address, and password,\n- read the Rules and accept them,\n- accept the activating link sent by the Seller to the e-mail address specified by the Buyer.\n- Data is provided voluntarily by filling in the registration form.\n- Agreement on provision of Services is made for an unlimited period of time.\n- The Buyer has the right to terminate the agreement at all times. Termination of the agreement means closing the account in the Shop.\n- The Seller is authorized to terminate the agreement on provision of Services and to block the access to the account or delete the Buyer's account with a two-weeks' notice if the Buyer uses the Services with violation of law or provisions of the Rules.\n- The agreement is terminated with a termination notice sent by e-mail or post to the recipient's address.\n- In case of termination of the agreement by any party, the Seller is obliged to delete the Buyer's account immediately, no later, however, than within five working days following the date of receiving the termination notice.\n- The Seller may refuse to make an agreement on provision of services and delete the Buyer's account if it has been set up again after termination of the agreement by the Seller and deletion of the account at the Shop as a result of a violation by the Buyer of legal regulations or provisions hereof.\nPrinciples and Conditions of Making Sale Agreements\nMaking a Sale Agreement\n- The Seller offers Goods for sale which are included in its current trade offer and Goods manufactured at the Buyer's individual request via the Shop. The trade offer of the Seller includes descriptions of significant properties of the Goods and their net and gross prices. Prices binding to the consumers are gross prices.\n- Placing of Goods in the Shop is an invitation to the Buyer to place an offer (order) within the meaning of the Civil Code.\n- Orders may be placed at the Shop all day, seven days a week, all days a year.\n- To place an order, the Buyer, in particular, has to specify the Goods, their quantities, method of payment and delivery, and data required to complete the order i.e. the Buyer's name, address, and phone number. In case of Buyers who are entrepreneurs, their NIP (tax identification) number and name of the company are also required.\n- The sale agreement is made when the Seller accepts the order placed by the Buyer or when the Seller starts to process the order. The Seller immediately informs the Buyer that it has accepted the order by sending a relevant message via the B2B selling system or by e-mail.\n- If the Buyer provides incorrect or wrong data in the order, the Seller will attempt to contact the Buyer in order to correct it. If it is not possible to contact the Buyer or to correct the mistakes, the Seller is authorised to cancel the order. The Seller is obliged to notify the Buyer of the fact if possible.\n- The price of the Goods is determined based on prices specified when the Buyer places an order. The selling price includes VAT. The total price specified when an order is placed includes the price of the ordered Goods and costs of delivery. Delivery costs differ depending on the delivery method selected by the Buyer.\n- The Buyer may choose one of the payment methods provided for by the Seller, including advance payment by transfer or payment at delivery on conditions specified below.\n- In case of a sale with an advance payment, the Buyer pays for the purchased Goods immediately after placing the order, by transfer to the bank account specified by the Seller.\n- If the payment is not made within 5 days following the order, the Seller cancels the order and notifies the Buyer of the fact.\n- The Buyer may choose payment at delivery if the registered office of the Buyer and the delivery place is located in:\n- Poland and the payment does not exceed:\n- PLN 1,000 for retail sale,\n- PLN 2,500 for whole sale,\n- Germany and the payment does not exceed:\n- EUR 200 for retail sale,\n- EUR 500 for whole sale.\n- If the Buyer chooses payment at delivery, the Buyer is obliged to pay for the ordered Goods upon receipt. The Buyer pays the price directly to the delivery person.\n- When placing an order, the Buyer selects the method of delivering Goods out of the methods provided for by the Seller (courier, courier with payment at delivery, collection by the Buyer).\n- Delivery costs depend on method of delivery, weight of the parcel, and the payment method. The Buyer is notified of the delivery costs upon placing the order. Delivery costs are paid by the Buyer.\n- Order completion period is:\n- 14 days for the Goods manufactured at the Buyer's individual order and for whole sale of Goods,\n- 5 working days for retail sale of Goods.\n- The Buyer is obliged to check the contents of the parcel in the presence of the courier or postman in order to confirm whether the contents are compatible with the order and whether no damage was caused during transport. In case of any damage to the parcel, the Buyer is obliged to notify the delivering entity of the fact and immediately contact the Seller.\n- In case of international sales to Entrepreneurs, the place of performance of the agreement is the delivery place for ordered Goods to the registered office of the first carrier performing the delivery or the place where the ordered Goods were left at the first carrier's disposal for the purpose of delivery.\n- The Seller sends VAT invoices on-line to Buyers who have consented to such method of delivery. In other cases, the Seller delivers VAT invoices to the Buyer with the ordered Goods.\nLiability of the Seller to Entrepreneurs\nGuarantee of Quality\n- All Goods offered via the Shop are new and free from physical and legal defects.\n- The Seller grants a 12-months' guarantee of quality for all offered Goods. The granting of the guarantee excludes the application of provisions concerning statutory guarantee for defects of sold Goods.\n- To exercise the guarantee rights, it is required to make a written complaint within 14 days of discovering a defect of the purchased Goods and to deliver the defective Goods with a proof of purchase to the registered office of the Seller. The complaint should include the name of the Entrepreneur, contact data, and a description of the discovered defect. The Entrepreneur loses its guarantee rights if it fails to meet the conditions listed above.\n- Complaints are processed within 14 days following the date they were made.\nIn case the discovered defects are confirmed, the Seller, under the granted guarantee, is obliged to replace the defective Goods with the Goods which are free from defects. The Goods are replaced within the period for processing the complaint.\n- Costs of packaging and dispatch of the Goods under complaint are paid by the Entrepreneur.\nLiability for Goods\nManufactured on an Individual Request\n- The Seller is not responsible for:\n- defects of non-standard Goods manufactured at the Entrepreneur's individual request if such defects are a result of manufacturing the Goods based on materials provided by the Entrepreneur, according to its instructions and guidelines,\n- violation of copyright or any other rights of third parties if it was related to the use of trademarks, logos, and graphics provided by the Entrepreneur in connection with completing the Entrepreneurs individual order.\n- When providing the Seller with trademarks, logos, and graphics for the purpose of completing an individual order, the Entrepreneur represents and warrants that it is the owner of all economic and moral copyright and derivative rights to the provided materials or that it has obtained a written consent of the owner for the use of those materials by the Seller for the purpose of the completed order.\n- The Entrepreneur is fully responsible for and is obliged to indemnify the Seller against any claims of third parties resulting from the violation of its copyright to the materials provided by the Entrepreneur. If the indemnification of the Seller against such a violation is impossible or ineffective for any reasons, the Entrepreneur is obliged to pay all costs and losses incurred by the Seller in relation to raised claims. In particular, in case of any negligence of its obligations to the Seller, the Entrepreneur is obliged to pay the Seller compensation for performing the agreement improperly.\nLiability of the Seller to Consumers\nWithdrawal from the Agreement\n- Consumers have the right to withdraw from a sale agreement made via the Shop on principles under the Law of 02 March 2000 on protection of certain consumers' rights and liability for loss caused by a hazardous product (Dziennik Ustaw no. 22, item 271, as amended).\n- Entrepreneurs do not have the right to withdraw from an agreement due to their economic and professional activities.\n- The right of withdrawal may be exercised within 10 days following the date of delivering the Goods according to Article 7(1) of the Law specified above. To observe that period, it is sufficient to send a representation concerning a withdrawal from the agreement before the expiry of the period. The Seller provides the specimen representation concerning a withdrawal from the agreement free of charge.\n- The representation concerning a withdrawal from the agreement should be made in writing and should be sent to the Seller's address. The Buyer is obliged to send the Goods in respect of which the Buyer withdraws from the agreement to the Seller's address referred to above within 14 days following the date of sending the representation concerning a withdrawal from the agreement. The parcel should be labelled \"Returned Goods\".\n- All direct costs of delivering the representation concerning a withdrawal from the agreement to the Seller and of returning the Goods are paid by the Buyer.\n- The Entrepreneur is obliged to immediately return, to the consumer, all payments made by the consumer, including costs of delivering things, no later than within 14 days following the receipt of the consumer's representation concerning a withdrawal from the agreement.\n- In case of a withdrawal from the agreement, the Seller immediately returns, to the Consumer, all payments made by the consumer, including costs of delivering things, no later than within 14 days following the receipt of the Consumer's representation concerning a withdrawal from the agreement.\n- The right to withdraw from the agreement does not apply to non-standard Goods, manufactured according to the consumer's specification or for satisfying the consumer's individual needs.\nIncompatibility of Goods with the Agreement\n- The Seller is responsible to Consumers for incompatibility of Goods with the agreement under the Law of 27 July 2002 concerning special conditions of consumer sale and amendment of the Civil Code (Dziennik Ustaw 2002, no. 141, item 1176, as amended).\n- The Seller is not responsible for incompatibility of consumer goods with the agreement if the Consumer had known about the incompatibility when making the agreement or, judging reasonably, should have known about it.\n- The Seller is not responsible for defects of non-standard Goods manufactured at the Consumer's individual request if such defects are a result of manufacturing the Goods based on materials provided by the Consumer, according to their instructions and guidelines.\n- When providing the Seller with trademarks, logos, and graphics for the purpose of completing an individual order, the Consumer represents that they are the owner of all economic and moral copyright and derivative rights to the provided materials or that they have obtained a written consent of the owner for the use of those materials by the Seller for the purpose of the completed order.\n- The Seller is responsible for incompatibility of goods with the agreement if such incompatibility is found within two years following the delivery of the Goods to the Consumer. That period starts anew in case of any replacement or repair of Goods.\n- In case of any incompatibility of the Goods with the agreement, the Consumer should notify the Seller of the incompatibility within 2 months following the discovery. To observe that period, it is sufficient to send a notification before the expiry of the period. The Consumer is obliged to draw up a written description of the discovered incompatibility of the Goods with the agreement and to specify whether they request that the Goods be repaired or replaced with new ones.\n- The Consumer should send the Goods incompatible with the agreement to the Seller's address. The Goods should be packed in a manner which prevents damage and they should be accompanied by all additional elements delivered with the Goods.\n- The Seller informs the Consumer about the refusal or acceptance of the request within 14 days following the receipt of the Goods.\n- If the Goods are accompanied by a manufacturer's guarantee, the Consumer may address their claims according to the provisions of the guarantee.\nProtection of Personal Data\nPersonal Data Processing\n- The Seller is a personal data administrator within the meaning of the Law of 29 August 1997 on personal data protection (Dziennik Ustaw No. 133, item 883, as amended), hereinafter referred to as the Law.\n- The Seller has the right to process personal data of the Buyer provided in the registration form and in the order under Article 23(1)(3) and Article 23(4) of the Law for the purpose of performing the sale agreement, in relation to direct marketing of the Seller's Goods and services, and for the purpose of pursuing claims on account of the conducted economic operations.\n- The Buyer may agree to receive commercial information by e-mail.\n- The Buyer may resign at all times from receiving commercial information sent by the Seller. To resign from receiving commercial information, the Buyer has to send a representation concerning resignation to the Seller's e-mail address.\n- Provision of personal data required to use the Shop and place orders is completely voluntary. A refusal to provide personal data may result in it being impossible for the Seller to provide Services.\n- The Seller processes data describing the manner of using the Services by the Buyer, including without being limited to:\n- labels identifying the Seller, attached based on the data referred to in sec. 3 of this paragraph,\n- labels identifying the end of the telecommunications network or the IT system used by the Buyer,\n- information on the purchase of Goods and services by the Buyer.\n- The Buyer has the right to access and modify their personal data.\n- Under Article 31 of the Law on personal data protection, the Seller may entrust other entities with processing personal data of the Buyer.\n- All contents provided at the Shop website, i.e. photos, logos, and description of the Goods, are protected with copyright owned by the Seller or entities cooperating with the Seller, under provisions of the Law of 04 February 1994 on copyright and derivative rights (Dziennik Ustaw of 2006, No. 90, item 631).\n- Copying, multiplying, processing, and distributing all or a part of the contents referred to above with no written consent of the Seller is prohibited and is a violation of copyright.\nJurisdiction and Applicable Law\n- In relationships of the Seller with Entrepreneurs:\n- law applicable to all claims and disputes related to operations of the Shop, sale agreements made by the Seller, and completion of orders is Polish law;\n- all disputes which may arise in relation to operations of the Shop, sale agreements made by the Seller, and completion of orders will be settled by courts of general jurisdiction in Poland. Disputes will be settled by a court of general jurisdiction with jurisdiction over the place where the Seller's registered office is located.\n- In relationships of the Seller and Consumers, jurisdiction is determined under applicable legal regulations.\n- All matters which are not regulated herein are regulated with provisions of the Polish Civil Code and other applicable provisions.\n- The Seller reserves the right to amend the Rules. Clients will be notified of any amendments to the Rules by publication of relevant information on amendments on the Shop website. All amendments to the Rules become effective within a week following their publication as described in the preceding sentence. Orders placed by the Buyer before the date when amendments to the Rules come into effect will be completed according to provisions of the Rules applicable at that time.\n- A sale agreement between the Seller and the Buyer is governed by provisions of the Rules applicable on the date of making the agreement.\n- The Rules enter into force on 01 November 2014.", "domain": "economics"}
+{"url": "http://www.technector.com/gadgets/supersonic-passenger-aviation-returns-in-the-person-of-boom-supersonic/", "date": "2018-04-26T22:37:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-17/segments/1524125948617.86/warc/CC-MAIN-20180426222608-20180427002608-00156.warc.gz", "language_score": 0.9552061557769775, "token_count": 368, "dump": "CC-MAIN-2018-17", "global_id": "webtext-fineweb__CC-MAIN-2018-17__0__77365297", "lang": "en", "text": "The last flight of the only supersonic passenger liner Concorde at that time took place in 2003. After nearly 15 years, the start-up company Boom Supersonic (Denver, USA) intends to revive this order by a half-forgotten way of transportation.\nThe program developed by them to revive supersonic commercial aviation is ready to invest 10 million dollars by the leading Japanese air carrier Japan Airlines (JAL). It is expected that the new liner – Boom Jet – will fly faster and quieter than its legendary predecessor.\nAs an investor, JAL will have the opportunity to purchase 20 machines from Boom Supersonic. The airline will also help its partners in the design of the aircraft. The commencement of commercial traffic is planned for the mid-2020s. Boom Supersonic has already received orders for the construction of 76 supersonic aircraft – including five of the world’s largest air carriers. Among those who supported the project, the head of the Virgin Group Richard Branson, who is also not against buying 10 cars from the first series.\nAs expected, Boom Jet will create 30 times less noise and spend less fuel than Concorde. In addition, the tariffs for flights will be comparable with the current tariffs in the business class, that is, 75% lower than the “Concorde” tariffs.\nBoom Jet will develop the speed of 2.2 Mach (2330 km / h), reaching from Tokyo to the West coast of the US for 5.5 hours. In addition, by the year 2023, it is planned to install recumbent seats in the cabin.\nHowever, even despite such promising investments, experts are very cautious in forecasting, quite rightly believing that until full-fledged resumption of supersonic commercial flights is still quite far.", "domain": "economics"}
+{"url": "https://kenson.co.tt/", "date": "2021-07-26T16:54:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046152144.81/warc/CC-MAIN-20210726152107-20210726182107-00461.warc.gz", "language_score": 0.9254884719848633, "token_count": 153, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__125774817", "lang": "en", "text": "The Kenson Group is a Service Contractor to Oil and Gas Companies in the Energy Sector in Trinidad and Tobago. We provide a full range of managed Operations and Maintenance services and technical support services to Offshore Production Platforms and Onshore Facilities.\nKeeping Operations Alive!\nOur founder lives by the mantra\n“Our business is making your business better.”\nWe do this by providing:\n– Fully Certified Staff\n– Handpicked Professionals\n– Commitment to Quality Service\n– Privately Held Award Winning company\n“We bring a personal and effective approach to every project on which we work. This is why the Kenson Group is the perfect home to grow future Oil & Gas professionals.”\n– Founder, Kenneth Ferguson", "domain": "economics"}
+{"url": "https://ianinsheffield.wordpress.com/2012/01/04/its-at-a-premium/", "date": "2017-03-28T19:41:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218189884.21/warc/CC-MAIN-20170322212949-00209-ip-10-233-31-227.ec2.internal.warc.gz", "language_score": 0.9331617951393127, "token_count": 473, "dump": "CC-MAIN-2017-13", "global_id": "webtext-fineweb__CC-MAIN-2017-13__0__236892625", "lang": "en", "text": "It’s at a Premium January 4, 2012Posted by IaninSheffield in Management, research.\nTags: attainment, learning, pupil premium, research, sutton trust, toolkit\nThe Pupil Premium is one way in which the Government is attempting to address educational inequality.\nWe know a good education is the key to improving young people’s life chances, to enable them to progress into adulthood with the skills and confidence for success. The Pupil Premium will provide schools with the resources with which to address inequalities in the system and raise the attainment of those pupils from low income families.\nI was having a look through the Pupil Premium Toolkit, commissioned by the Sutton Trust, which seeks to guide “teachers and schools on how best to use the Pupil Premium to improve the attainment of disadvantaged pupils.” By reviewing educational research, the toolkit compares different strategies used to improve pupil attainment (Assessment for Learning, One-to-one tutoring etc); exploring impact, cost and the strength of the evidence. You’ll see from either the online version or the downloadable PDF, that the information on each intervention is presented first in a summary, then subsequently in more detailed form.\nI got to wondering which approaches might be most cost-effective in terms of greatest gain per £ – not a difficult calculation to do and mere moments of effort to produce a spreadsheet. But then I thought how we might also factor in the strength of the evidence; after all would it be wise to spend money on an approach producing a high attainment gain per £ if the evidence which suggested that approach isn’t quite so robust?\nWhich all led me to this bubble chart:\nGain in attainment on the horizontal axis, cost on the vertical and width of bubble indicating the strength of the research which produced the findings. So the sweet spot is the bottom right-hand quadrant where we get high gains for low (moderate?) cost. And what do we see? Providing effective feedback, meta-cognitive strategies, peer tutoring and homework (?!) all figure prominently. Sadly, ICT only produces moderate gains and at a high cost … but there’s a whole other post could come from that!\nDoes that reflect your day-to-day experience though?", "domain": "economics"}
+{"url": "https://monteithfinancial.ca/about-us/testimonials", "date": "2021-10-27T07:16:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323588102.27/warc/CC-MAIN-20211027053727-20211027083727-00377.warc.gz", "language_score": 0.976345419883728, "token_count": 3861, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__208611321", "lang": "en", "text": "We started working with Stephanie Piroli and her team at the end of 2017. They are personable, prompt, efficient and professional. We have confidence in Stephanie, her staff and Manulife, and that gives us peace of mind and security especially in these financially uncertain times (Covid-19 pandemic).\nTheir service is exceptional. During the Covid-19 crisis, we received a personal phone call from Stephanie regarding the market volatility and she provided us reassurance. We were quite relieved to be reminded of the cash wedge strategy set up last fall and how it would help protect our retirement income during these times. We were also invited to listen to an exclusive call with a Manulife market analyst, again providing reassurance.\nStephanie truly understands our specific needs and where we are in life. Our input has been taken into consideration every step of the way. My only request is to reduce the monthly paper mail, but we know Manulife is working on it.\nWalter& Lee Ann H.\nWe have been working with Priscilla Monteith for the past 9 months. We have recently retired and we were very concerned about making good financial decisions going into retirement.\nWhat we like best about working with Priscilla, is that she is open and honest. She talks to us in understandable language and answers all of our questions without making us feel like we are idiots.\nShe guided us through a very comprehensive financial planning process. We liked it. We understood it and it provided us with some much needed clarity on our financial decisions. She clarified the “unknown factor of “what can we afford to live on” and eliminated the fear factor for us.\nShe completed a comprehensive review of our insurance policies and reviewed our estate planning with us. This guided our decision making on what insurance policies to keep and which ones we could cancel to conserve our retirement cash flow.\nFrederick & Diane H.\nI have enjoyed working with the team at Monteith Financial Group. My Financial Planner Stephanie is very efficient, positive, and an effective listener. I also appreciate the meeting notes she provides and the quick feedback when I have questions.\nStephanie prepared a financial plan for me and it has been quite helpful to have a personalized plan based on my current situation as well as my future. Financial planning was not provided at my previous planner at a different company. Going through the financial planning process with Stephanie has been a positive and valuable experience and I appreciate the detail.\nI have been put at ease knowing that Stephanie and her team follow up on everything discussed right from the beginning of working with them. I have also enjoyed the broad reach of tools, such as insurance and banking, along with the investment management and financial planning services.\nOverall I have really valued the great advice provided to me.\nPriscilla has been my financial advisor for the past 21 years. I appreciate her sincerity and dedicated hard work. Priscilla and her staff cover all the bases and I feel like I am always looked after. I can’t think of anything more she could do for me that she hasn’t already covered. I am very comfortable with the financial planning process. What I value the most is the end result which has always been positive.\nStephanie Piroli has been our family’s financial and insurance advisor for a number of years. It is really refreshing to work with a financial advisor who is focused on our family’s needs and long term interests. We are particularly impressed with her depth of knowledge, proactive thinking and professional and caring demeanor. We really appreciate the work that Stephanie has done for us over the years. We always recommend her services whenever possible.\nPriscilla Monteith isn’t just any Financial Advisor. Oh sure, she has a wall full of qualifications and more charts and graphs and numbers about your investments and finances than you can imagine. And she has decades of experience, first rate analytical ability and a really keen understanding of how all that financial stuff really works.\nBut what’s really important is that she looks at your situation in human terms and offers non-judgmental advice like a friend would, based on what you (and only you) really want to achieve. She will suggest direction, but not make demands. She is friendly, helpful, clever, funny and really will take care of you and not just your money.\nThrough the years my husband and I had attended many Financial Advisor Seminars but had never felt comfortable to pursue their services. I was referred to Monteith Financial Group in 2003. I met with Priscilla Monteith, we discussed my financial requirements and preference of investments. Priscilla was very informative and personable and made recommendations which were implemented. Since then, I have been very pleased with the continued performance, regular follow-ups and continuing worthwhile financial recommendations. I have also enjoyed the pleasant and efficient assistance of Monteith Financial Group staff members.\nStephanie has always conducted herself very professionally. And as always kept our most prized possession in her recommendations… OUR MONEY.. She always explains all options available, that allowed my wife and I to make informed decisions in our financial planning including our life insurance needs. Without sounding like a family member wrote this, we were recommended from a friend and are very happy with our results so far. We not only consider Stephanie our Financial Advisor but a friend.\nMy business relationship with Priscilla extends beyond 20 years, first as an accountant and later as my financial advisor. The financial plan she prepared for me, gave me the confidence to know I can live in the present, pursue my travel dreams and still feel secure about my financial future.\nI appreciate the care and attention Stephanie takes to address our inquiries. This gives us the confidence that Stephanie has really put our interests first. She cares how well we plan our future and wants to help us achieve our goals. There is never any pressure to make decisions based on her recommendations and she always offers options. I am very happy with the service I get when working with Stephanie. She makes things simple to understand and helps to make financial planning easy for me.\nStephanie has been extremely helpful in helping me invest money for my retirement. She is extremely knowledgeable regarding the services that she endorses. She really keeps on top of things.\nI have worked with other advisors. It is easy to find an advisor... but not easy to find an advisor that is driven by what’s best for me.\nThe financial plan and cash flow analysis they prepared for me was a huge help to me. Priscilla motivated me to make changes and many times throughout the planning process, I challenged her advice but ultimately found her recommendations were made as a result of a deep understanding of my needs and with my best interests at heart.\nPriscilla’s tax and accounting background is unique; she has structured my investments in a way to minimize my taxes and still provide me with the cash flow that I need…she knows what she’s talking about.\nStephanie has been a great pleasure to work with. She is very knowledgeable and meticulous regarding the various financial products available. I feel very comfortable discussing my personal finances with her and would highly recommend Stephanie to anyone.\nI have been working with Monteith Financial Group since 2008 when I immigrated to Canada. Priscilla was of tremendous assistance to me with respect to my cash flow planning and understanding the Canadian tax system. She has given me clarity with respect to my estate planning and has reduced my anxiety concerning my finances. I am happy to recommend the Monteith Financial Group Team.\n…great gift you have, putting folks at ease and being able to help put their hopes, fears and trust in you. …so fortunate to have you as a friend and advisor and helping us put some of these plans in place…\nStephanie is a highly organized and an extremely personable financial advisor. We have felt secure with the choices and options provided by Stephanie and have thoroughly enjoyed working with her.\nWith Monteith Financial Group, we were able to plan our cash flow in a tax efficient way …and now have confidence to move forward with our retirement goals.\nAs my financial advisor, I am deeply appreciative of the superior service that you have provided to me over the past twenty years. During these recent troubling times, it can be a senior’s challenge to have Peace of Mind about one’s financial affairs…and, you really deliver that total POM. Thanks for keeping my financial planning strategies simple, timely and informative. A real Pro!\nWe have been working with Priscilla Monteith and Monteith Financial Group for the past 14 years. Priscilla prepared a financial plan for us and each year we review how we are doing relative to the plan. As a result, we feel confident about our financial future and we trust the advice that she gives us.\nHilary & Bob W\nWe trust Monteith Financial Group and have faith in their planning process, from the generation of a written financial plan to the asset allocation model of fund selection. Finally we have found a Financial Advisor who has not only created and thoroughly explained a game plan tailored to our specific needs, but has also committed to updating and revising the plan in response to changes in our personal and financial circumstances. Only since we retained Monteith Financial have we felt confident that our investment decisions are based on truly informed choices.\nJim & Lee B\nWithout the valuable guidance and support provided by Priscilla Monteith and her team, I would not have been able to survive the economic volatility experienced over the past couple of decades – especially the turmoil of the past seven years. With retirement so close, it made me feel very vulnerable – as if I were riding a roller coaster – however, Priscilla’s insightful planning and compassionate support kept me on track. She helped me avoid making hasty decisions that I would have greatly regretted. This attention to my personal situation and needs, as well as taking the time to clearly explain market investment trends and opportunities helped me to see the ‘Big Picture’ and make the best of the situation. Thanks for helping me ride that roller coaster to reach my goals and enjoy my retirement – and for demonstrating how much you truly care about your clients.\nI have worked with Priscilla Monteith for 25 years, initially as my family’s Accountant and then as my Financial Advisor for the past 15 years.\nI feel I can come to her about anything. She is always easily approachable and she makes complicated things seem clear & simple.\nWe feel comfortable that we have done all that we could possibly do to plan for our estate to be distributed in accordance with our wishes and with a minimum of probate fees. With the tax and planning advice that we have received over the years, we feel that we have the income we have today because of the tax and planning advice that we have received and acted upon over the years.\nBill & Ruth A\nI have been working with Priscilla Monteith and the Monteith Financial Group Team since July 2010. Priscilla prepared for me a personal financial plan which enabled me to really understand my cash flow needs. I am very pleased with the service and I feel very comfortable contacting Priscilla whenever I have a question. Money is no longer a worry for me.\nPriscilla has been a trusted advisor and friend for many years. Her guidance has been instrumental in allowing me to have the type of personal freedom that I enjoy today and the peace of mind that comes with having a solid financial plan that extends out many years.\nStephanie helped us to assess our situation. Her recommendations were tailored to us and our needs. She identifies where you are at and works with what you have. She provides information that we wouldn’t otherwise get.\nWe were pleasantly surprised at the diversity of information offered and like how everything is all in one place. Stephanie helps us prepare for the long term through financial planning exercises. We always feel so much better about our financial situation when we leave our appointment with Stephanie.\nWorking with Stephanie and the Monteith team we feel that everything is simplified for us, that we are on track, and on the right path to achieving our goals.\nStacey & Shawn P\nI have found working with Stephanie to be very helpful and enjoyable. She motivates me to do financial planning, which I wouldn’t otherwise be doing. I appreciate the intelligent advice she provides and the time she spends on our situation.\nI originally thought the advisor just invests your money, makes a few switches over time and then never really hear from them again. The opposite is true with my client relationship with Stephanie. I did not expect a full financial plan complete with a detailed analysis and advice for our future, but I really appreciate it. She continues to monitor our investments and provide consistent advice on where to invest. Most importantly though, she is always helping us and encouraging us to plan ahead for our future.\nMy wife and I were looking for a holistic Financial Advisor, someone who would go beyond just recommending a product, and would help us understand our overall situation and help get us on the right track. Priscilla was recommended to us by an associate, and we are very glad we chose to meet with her. Priscilla took the time to help us understand our financial situation and helped us to put a plan in place for a secure retirement. She took time to explain things and made sure we understood every aspect of our finances. We are very pleased that we chose to meet with Priscilla. She is highly professional and really cares.\nWe have been working with the Monteith team since 1983. Priscilla Monteith handled our taxes and investments for many years and in 2008 Stephanie Piroli stepped in to carry on handling our financial planning needs. We have developed a wonderful long term relationship with Priscilla, Stephanie, Brenda (one of their assistants) and the rest of the office staff over the years. They have our trust. We know they care about us, not just our finances. In fact, their top notch service and sincere care for us is the reason we continue to drive from St. Catharines every year to see them.\nWe have felt very comfortable with the investments made for us. Stephanie understands our situation and what we need. She takes the time to explain and if she senses we may not be following, she backs up and takes the time to explain in terms we do understand. We never feel rushed and she makes us feel at ease. There is no pressure; just sincere, reliable and trustworthy advice that we appreciate.\nWe were most pleased when Stephanie brought up estate planning a few years ago and encouraged us to ensure our wills and power of attorney documents were in order as part of her financial planning process. We feel secure that if something happens to either one of us, Stephanie and the Monteith Financial team will be there to guide us as usual. We have peace of mind.\nJim & Lynn A\nI’m very happy with Monteith Financial Group’s service and the results of Priscilla’s portfolio management. I need someone who understands this stuff, and Priscilla really does. I know that I can call her at any time if I have a question or concern.\nRose Marie J\nThe staff is always helpful, excellent service. They really pay attention to detail. They provide strategies that we understand that will help us reach our goals. They provide advice that is geared towards tax reduction. Financial planning is very helpful to allow us to see the financial impact of the decisions that we make now, and the impact on our future finances.\nDavid & Helen H\nWe have confidence in our future financial situation because of the plan Priscilla has done for us. We don't have the time to research investment options or changes. Priscilla also assists us in staying ahead of tax strategies. Due to Priscilla's knowledge and expertise, we are now more disciplined and accountable to remain on tack with our current financial plan, and our future plan for an early retirement.\nRobert & Jennifer A\nStephanie has worked with our parents for many years. She and her team went into action for us right away when our mother passed away unexpectedly - even visiting us shortly afterwards in our Father’s home.\nWe had to jump in to take care of our Father, who requires extra care and support, and we quickly found that managing his finances would be far more complicated than our own. We are grateful to have Stephanie’s guidance, and trust that she has our family’s best interests at heart. She provides a professional experience and is knowledgeable. She is flexible with her schedule - consistently meeting our needs by making time for us outside regular business hours. We can see that she works hard, and provides service above what we expected.\nWe are impressed with her degree of tax planning and how it ties in to the product knowledge and suitability. She sought out the right products in the marketplace for our Dad’s financial situation, and she always takes the time to know and understand his needs.\nStephanie always takes the time to show and explain her analyses, and backs up her suggestions for future planning with hard numbers. She has shown us very detailed cash flow and tax plans, and how these create a tax efficient income for our father. This makes us confident that we are ensuring there will be enough money to provide for our father’s future living expenses, while knowing there is flexibility in the plans should the unexpected come up.\nKathleen & Scott B\nI was referred by friends who indicated that their advisor was very canny. I have been very happy with the result. My husband and I had never previously used a financial advisor and I now realize we could have done better had we done so sooner. Priscilla has improved the management of my taxes and reduced my OAS clawback by restructuring my investments. I am happy with the fee transparency. My questions are always answered. I feel confident with my investments and I trust my advisor.\nWe have been working with Priscilla Monteith for the past 20 years. She is trustworthy and makes good recommendations that we have relied on to get us where we are today. We would not have the retirement assets that we have now, if not for that ongoing direction that she has provided to us. She has simplified our financial life and minimized our income tax burden. She assisted us with our estate planning and worked with us to get our wills updated. We now have confidence that our estate plans accurately reflect our wishes and minimize estate administration costs. She recommended we establish and contribute to an RESP for our grandchildren annually. Our grandchildren have benefited from a fully paid for post secondary education as a result of this planning. Our grandchildren have really appreciated this support.\nWilliam & Ruth A.", "domain": "economics"}
+{"url": "http://mpbfhsschool.com/news_details.php", "date": "2020-09-23T11:10:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400210616.36/warc/CC-MAIN-20200923081833-20200923111833-00741.warc.gz", "language_score": 0.925193190574646, "token_count": 120, "dump": "CC-MAIN-2020-40", "global_id": "webtext-fineweb__CC-MAIN-2020-40__0__270052030", "lang": "en", "text": "The School Portal for online fees payment is presently inactive. The tuition fees may be paid through Netbanking (NEFT/RTGS/IMPS) in favour of M P Birla Foundation Higher Secondary School\nThe bank details are as follows:\nAXIS BANK Behala Branch\nS/B A/C No: 034010100419086\nIFSC Code: UTIB0000034\nMICR Code: 700211009\nThe fees for the month of April and May 2020 may be paid within 31st May 2020 and will not attract any late fine.", "domain": "economics"}
+{"url": "http://www.arranscheeseshop.co.uk/", "date": "2015-08-03T00:25:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-32/segments/1438042989331.34/warc/CC-MAIN-20150728002309-00273-ip-10-236-191-2.ec2.internal.warc.gz", "language_score": 0.9677802324295044, "token_count": 268, "dump": "CC-MAIN-2015-32", "global_id": "webtext-fineweb__CC-MAIN-2015-32__0__81594106", "lang": "en", "text": "Island Cheese was initially established to supply our delicious flavoured cheddars to a local and tourist market through our own shop, it soon became apparent however, that supply was required further afield. In addition to our mail order service, we now supply five wholesalers who distribute to farm shops, delis, restaurants and food halls throughout the UK. We also retail at about 25 farmer’s markets per month in Scotland.\nIn 2006 we took over Bellevue Cheese Company located at Blackwaterfoot in Arran. Here we produce Arran Blue, Arran Camembert, Arran Mist and Crowdie (an old Scottish recipe cream cheese). Both the Arran Blue and Arran Camembert have achieved silver medals at the British Cheese Awards, and Arran Blue has won Gold in the World Cheese Awards.\nOur shop and dairy is located within Home Farm Visitors Centre, about one mile north of Brodick. On entering the shop you will find a huge selection of Arran and Scottish cheeses, a host of other Arran food products and a large viewing window which allows you to see into the dairy and watch the cheese makers at work. Here you can sample the delicious cheese before spending the rest of a fantastic day looking round the incredible sights the best island in the UK has to offer.", "domain": "economics"}
+{"url": "https://shopmarquesdevargas.com/payment-processes/advantages-of-online-trading/", "date": "2024-03-05T12:46:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707948235171.95/warc/CC-MAIN-20240305124045-20240305154045-00499.warc.gz", "language_score": 0.9370779991149902, "token_count": 2259, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__199466188", "lang": "en", "text": "Buying and selling items on a virtual marketplace is incredibly convenient. You can do it all from the comfort of your own home, without having to travel anywhere. This saves you a lot of time. Not only that, but virtual marketplaces also give you access to a wide variety of products. You can compare prices and find the best deals, ensuring that you get the most value for your money. And the best part is, virtual marketplaces connect buyers and sellers from all around the world. This means you have a whole world of options to choose from, and you can find unique and niche items that you might not find elsewhere.\nWhen it comes to security, virtual marketplaces take it very seriously. They have advanced payment processing systems and identity verification measures in place to make sure that your transactions are secure. This means that your financial information is protected, and you can have peace of mind when you make purchases online. Customer reviews and ratings also play a big role in building trust within the virtual marketplace community. You can read reviews to get insights into the reliability and quality of sellers, which makes your buying and selling experience safer and more transparent.\nCommunication and negotiation are made easy on virtual marketplaces. They have messaging features that allow you to talk directly to the seller. You can ask them questions and negotiate prices or terms. This level of communication fosters transparency and helps you make informed decisions. And when it comes to payment and delivery, virtual marketplaces have secure options in place. This ensures that your transactions are protected, and your purchased items are safely delivered to your doorstep.\nParticipating in a virtual marketplace can also have financial benefits. As a buyer, you can save money by finding competitive prices and access to discounted items. This allows you to stretch your budget and get more for your money. And if you’re a seller, a virtual marketplace can be a great way to earn extra income. Whether you have unused items to sell or you want to start a small business, a virtual marketplace gives you the opportunity to reach a wider audience and increase your profit margins.\nIn conclusion, virtual marketplaces offer convenience, a wide range of products, global reach, and secure transactions. They prioritize building trust, facilitate communication and negotiation, and provide cost savings for buyers and increased profit margins for sellers. Whether you’re a buyer looking for convenience and variety or a seller looking to earn extra income, participating in a virtual marketplace is a smart and rewarding choice.\nWhat Are The Key Benefits Of Participating In A Virtual Marketplace?\nWhen participating in a virtual marketplace, the benefits are plentiful. For both buyers and sellers, the convenience and accessibility are unparalleled. From the comfort of your own home, you can easily buy or sell items with just a few clicks. No more traveling to physical stores or spending hours searching for specific products.\nBesides convenience, virtual marketplaces also provide a larger customer base. This means there’s a higher chance of finding buyers or sellers for your items. Whether you’re selling rare collectibles or looking for unique products, virtual marketplaces connect you with a diverse community of enthusiasts, collectors, and sellers who share similar interests.\nIn addition to convenience and a larger customer base, participating in a virtual marketplace can also save you money. Sellers can reduce overhead costs like rent and utilities, enabling them to offer competitive prices. On the other hand, buyers can take advantage of the competitive nature of online marketplaces to find the best deals and compare prices from different sellers.\nMoreover, virtual marketplaces provide a platform for building trust and credibility. Many platforms have robust review systems that allow buyers and sellers to rate and review each other. This fosters transparency in transactions, enabling buyers to make informed decisions based on the experiences of previous customers. For sellers, a positive reputation can be established based on their track record.\nTo ensure a secure virtual marketplace experience, it’s crucial to prioritize online security. Regularly checking your credit report can help safeguard your personal information. IdentityIQ offers a comprehensive three bureau credit report that allows you to monitor any suspicious activity and protect your identity in the online marketplace.\nHow Does Buying And Selling On A Virtual Marketplace Facilitate Convenience?\nBuying and selling on a virtual marketplace is incredibly convenient for both buyers and sellers. Firstly, it offers a centralized platform where you can find a wide range of products and services without having to visit multiple physical stores or websites. Whether you’re in the market for clothing, electronics, or home decor, you can easily find what you need without wasting time and energy. Plus, virtual marketplaces often have advanced search filters and recommendation algorithms that help you narrow down your options and discover new items that align with your preferences.\nAdditionally, virtual marketplaces make communication and negotiation a breeze. You can quickly ask questions, negotiate prices, and address any concerns directly with the seller through instant messaging or chat features. No need for time-consuming phone calls or back-and-forth emails. It’s all about efficient and seamless transactions. These platforms also offer secure and convenient payment options, such as integrated payment gateways or digital wallets, so you can rest assured that your financial transactions are protected and hassle-free.\nOne of the biggest conveniences of virtual marketplaces is doorstep delivery. With just a few clicks, you can purchase an item and have it delivered right to your doorstep. No travel, no parking, and no long queues at physical stores. Many virtual marketplaces even provide tracking features, so you can easily monitor the progress of your delivery and estimate its arrival time. This is particularly beneficial for busy individuals or those who prefer to shop from the comfort of their own homes.\nIn conclusion, virtual marketplaces bring convenience to the table with their wide selection of products, efficient communication channels, secure payment options, and doorstep delivery. It’s all about saving time and effort while enjoying a seamless shopping experience. So go ahead, dive into the virtual marketplace and experience the convenience for yourself.\nIn What Ways Can Virtual Marketplaces Provide Financial Benefits For Buyers And Sellers?\nVirtual marketplaces offer a wide array of financial advantages for both buyers and sellers. For buyers, these platforms provide a vast selection of products at competitive prices, allowing them to compare prices, read reviews, and make informed purchasing decisions. This ultimately leads to significant savings on items like electronics, clothing, and household goods. On the other hand, sellers can benefit from virtual marketplaces by reaching a larger customer base and expanding their audience. By eliminating the need for a physical store, sellers can reduce overhead costs and increase their profit margins. Moreover, virtual marketplaces often offer helpful tools and resources for inventory management, sales tracking, and product promotion, further enhancing the financial success of sellers.\nAnother financial benefit that virtual marketplaces offer to both buyers and sellers is the potential for additional income. Buyers can easily resell items they no longer need or use, converting their unwanted belongings into cash. Similarly, sellers can tap into the demand for used or second-hand products, generating extra revenue by selling pre-owned items. This is particularly advantageous for individuals who want to declutter their homes or monetize their hobbies.\nOverall, virtual marketplaces provide a range of financial advantages for both buyers and sellers. They allow for cost savings, increased profit margins, and additional income opportunities. By offering a convenient and lucrative platform for buying and selling, virtual marketplaces have become a valuable resource in today’s market landscape.\nHow Does A Virtual Marketplace Enhance Buying And Selling Experiences?\nA virtual marketplace enhances the buying and selling experience in several ways. Firstly, it offers a wide selection of products and services, bringing together sellers from around the world. This means that you have a better chance of finding exactly what you’re looking for, whether it’s clothing, electronics, or rare collectibles.\nSecondly, virtual marketplaces are incredibly convenient and simple to use. Gone are the days of spending hours browsing different stores or going from one location to another. With just a few clicks, you can explore countless listings, compare prices, and read reviews from other buyers. These marketplaces also make the buying process easier by providing secure payment methods and facilitating shipping and delivery. You can complete a purchase without leaving the comfort of your own home.\nIn addition, virtual marketplaces create a sense of community and trust among buyers and sellers. Sellers on these platforms are often rated and reviewed by previous buyers, which allows you to make informed decisions. You can also feel confident in your purchases, knowing that you have access to feedback from others. Furthermore, virtual marketplaces usually have strong customer support systems in place to help you and resolve any issues that may arise.\nIn conclusion, virtual marketplaces enhance the buying and selling experience by offering a wide range of products, providing convenience and simplicity, and fostering a sense of community and trust. Whether you’re a buyer looking for something specific or a seller wanting to reach a larger audience, virtual marketplaces offer numerous benefits for everyone involved. So, why not take advantage of these platforms and make your buying and selling experiences even better?\nWhat Security Measures Do Virtual Marketplaces Offer For Transactions?\nVirtual marketplaces offer a bunch of security measures to make sure your transactions are safe and sound. One of the most important security measures is the use of secure payment processing. Basically, these marketplaces team up with trusted payment gateways like PayPal or Stripe. They use fancy encryption technology to keep your sensitive financial info safe and sound. So, when you make a payment, your deets are transmitted and stored securely. This helps reduce the chances of sneaky folks getting access to your info and pulling off any funny business.\nOn top of secure payment processing, virtual marketplaces often have identity verification measures in place. This is to make sure that everyone on the platform is who they say they are and cut down on sneaky scammers. Some marketplaces might ask you to prove your identity by showing some government-issued ID or linking up your social media accounts. It’s an extra layer of security that helps build trust and keeps things transparent in the marketplace community.\nVirtual marketplaces also have dispute resolution mechanisms to protect both buyers and sellers. If there’s ever a problem with a transaction, these marketplaces usually have a system in place where you can work things out. They provide a platform for mediation or arbitration, so both sides can present their cases and come to a fair resolution. This helps stop scams or dodgy transactions and gives folks some peace of mind that their concerns will be heard and taken care of.\nAll in all, virtual marketplaces take security measures seriously to make transactions safer for everyone involved. From secure payment processing to identity verification and dispute resolution, they’re all about protecting buyers and sellers and building trust in their communities. But remember, it’s still important to be cautious and use your noggin when you’re doing business online. Do your research on sellers, read those reviews, and opt for secure payment methods. Stay safe out there!", "domain": "economics"}
+{"url": "https://www.actuarialstandardsboard.org/asops/proposed-revision-actuarial-standard-practice-27/", "date": "2024-03-03T22:21:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476399.55/warc/CC-MAIN-20240303210414-20240304000414-00837.warc.gz", "language_score": 0.9060556292533875, "token_count": 1516, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__179531569", "lang": "en", "text": "Proposed Revision of Actuarial Standard of Practice No. 27\nSelection of Economic Assumptions for Measuring Pension Obligations\nTO: Members of Actuarial Organizations Governed by the Standards of Practice of the Actuarial Standards Board and Other Persons Interested in the Selection of Economic Assumptions for Measuring Pension Obligations\nFROM: Actuarial Standards Board (ASB)\nSUBJ: Proposed Revision of Actuarial Standard of Practice (ASOP) No. 27\nThis booklet contains the exposure draft of the proposed revision of ASOP No. 27, Selection of Economic Assumptions for Measuring Pension Obligations. Please review this exposure draft and give the ASB the benefit of your comments and suggestions. Each written response and each response sent by e-mail to the address below will be acknowledged, and all responses will receive appropriate consideration by the drafting committee in preparing the final document for approval by the ASB.\nThe ASB accepts comments by either electronic or conventional mail. The preferred form is e-mail, as it eases the task of grouping comments by section. If you wish to use e-mail, please send a message to firstname.lastname@example.org. You may include your comments either in the body of the message or as an attachment prepared in any commonly used word processing format. Please include the phrase “ASOP No. 27 Revision” in the subject line of your message.\nIf you wish to use conventional mail, please send comments to the following address:\nASOP No. 27 Revision\nActuarial Standards Board\n1100 Seventeenth Street, NW, 7th Floor\nWashington, DC 20036-4601\nDeadline for receipt of responses in the ASB office: October 31, 2005\nThe Actuarial Standards Board adopted the existing ASOP No. 27 in 1996 as one of several standards designed to provide guidance on key elements in measuring pension obligations. In March 2005, the ASB approved the second exposure draft of a proposed revision of ASOP No. 4, Measuring Pension Obligations and Determining Pension Plan Costs or Contributions, which will be the “umbrella” standard that addresses overall considerations in the selection of assumptions and methods for measuring pension obligations.\nThe existing ASOP No. 27 contains a statement to the effect that, in case of a conflict between the guidance in ASOP No. 27 and ASOP No. 4, ASOP No. 27 will govern. However, the ASB intends that the proposed revision of ASOP No. 4 should govern in any such conflicts, and the proposed revision of ASOP No. 4 does conflict with ASOP No. 27 in one substantive way. The ASB is not releasing for comment a complete version of ASOP No. 27 and is not soliciting comments on the other issues at the time. Instead, this exposure draft highlights only the wording changes that will be made to resolve the conflict regarding which standard governs. A more comprehensive review is intended for the future, at which time readers would be encouraged to comment on all aspects of the standard.\nThe ASB plans to adopt this proposed revision of ASOP No. 27 with the same effective date as the proposed revision of ASOP No. 4.\nThe following changes are proposed:\n1. In the transmittal memorandum, delete the second and third sentences of the first paragraph, which state, “This standard supersedes ASOP No. 4, Measuring Pension Obligations, if a conflict exists. It also provides an alternative way to comply with the disclosure of exceptions requirement in ASOP No. 2, Recommendations for Actuarial Communications Related to Statements of Financial Accounting Standards Nos. 87 and 88, insofar as it pertains to economic assumptions.”\nIn addition to that specific change, the ASB might make other nonsubstantive changes in the transmittal memorandum to reflect the current format of ASOPs and the current status of ASOP No. 4, ASOP No. 35, and the proposed ASOP on the selection and use of asset valuation methods in pension valuations.\n2. In section 1.2, Scope, revise the first sentence of the second paragraph to state explicitly that ASOP No. 4 will govern in the event of a conflict and delete the second sentence entirely. These proposed changes are shown below:\n1.2 Scope – This standard applies to the selection of economic assumptions to measure obligations under any defined benefit pension plan that is not a social insurance program (unless ASOPs on social insurance explicitly call for application of this standard). Measurements of defined benefit pension plan obligations include calculations such as funding valuations or other assignment of plan costs to time periods, liability measurements or other actuarial present value calculations, and cash flow projections or other estimates of the magnitude of future plan obligations. Measurements of pension obligations do not generally include individual benefit calculations or individual benefit statement estimates.\nTo the extent that the guidance in this standard may conflict with ASOP No. 4, this standardASOP No.4 will govern. Furthermore, compliance with section 4.2 of this standard is deemed to fully satisfy the disclosure of exceptions requirement of ASOP No. 2, Recommendations for Actuarial Communications Related to Statements of Financial Accounting Standards Nos. 87 and 88, insofar as it pertains to economic assumptions. If a conflict exists between this standard and applicable laws or regulations, the actuary is obligated to comply with the laws or regulations.\nThis standard does not apply to the selection of an assumption where the actuary is precluded from exercising independent judgment by an applicable law, regulation, or other binding authority (i.e., when a specific assumption is mandated or when only a specified range of assumptions is deemed to be acceptable). For example, the standard does not apply to the selection of a current liability interest rate range under Internal Revenue Code (IRC) section 412, because the determination of such a range is governed by the IRC. In addition, the standard does not apply to the selection of the current liability interest rate within the specified range if, as is the case at the date this standard was published, the Internal Revenue Service deems any rate within the range to be acceptable.\nThroughout this standard, any reference to selecting economic assumptions also includes giving advice on selecting economic assumptions. For instance, the actuary may advise the plan sponsor on selecting economic assumptions for Statement of Financial Accounting Standards (SFAS) Nos. 87 and 88 or Governmental Accounting Standards Board (GASB) Statement Nos. 25 and 27, but the plan sponsor is ultimately responsible for selecting these assumptions. This standard applies to the actuarial advice given in such situations, within the constraints imposed by the relevant accounting standards.\nThe ASB reviewed the draft at the March 2005 board meeting and approved its exposure.\nPension Committee of the ASB\nPhillip A. Romello, Chairperson\nDavid L. Driscoll John F. Langhans\nDavid R. Fleiss Michael B. Preston\nMarilyn F. Janzen Frank Todisco\nDaniel G. Laline Jr.\nActuarial Standards Board\nMichael A. LaMonica, Chairperson\nCecil D. Bykerk William A. Reimert\nWilliam C. Cutlip Lawrence J. Sher\nLew H. Nathan Karen F. Terry\nGodfrey Perrott William C. Weller", "domain": "economics"}
+{"url": "http://www.stmy.fi/en/welcome-webpage-association-finnish-sawmillmen", "date": "2023-01-30T00:57:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499790.41/warc/CC-MAIN-20230130003215-20230130033215-00631.warc.gz", "language_score": 0.9525793194770813, "token_count": 125, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__139654212", "lang": "en", "text": "Welcome to the Webpage of the Association of Finnish Sawmillmen!\nThe Association of Finnish Sawmillmen was founded in 1927. The purpose of the association is to act as a link between professionals of sawmill industry as well as to promote Finnish sawmill industry.\nTo fulfill its function the association\n- Discusses about topics related to sawmill industry in its meetings\n- Organizes lectures and excursions\n- Issues technical statements, contracts researches and publishes publications\n- Grants scholarships and subsidies to increase the professional skills of the members\n- Keeps in contact with other forest industry organizations both in Finland and abroad", "domain": "economics"}
+{"url": "https://www.paramountassure.com/awards-1.html", "date": "2017-09-21T19:42:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-39/segments/1505818687837.85/warc/CC-MAIN-20170921191047-20170921211047-00044.warc.gz", "language_score": 0.9452688097953796, "token_count": 588, "dump": "CC-MAIN-2017-39", "global_id": "webtext-fineweb__CC-MAIN-2017-39__0__131266863", "lang": "en", "text": "PARAMOUNT RANKED #5 AMONG TOP 100 SMES OF DUBAI | Ranked #5 among 4532 Competing Companies.\nDubai, Nov. 15th 2015: Paramount bagged the 5th rank in the third cycle of Dubai SME100 organized at Madinat Jumeirah, Dubai.\nLaunched under the patronage of His Highness Sheikh Hamdan Bin Mohammed Bin Rashid Al Maktoum, Crown Prince of Dubai and Chairman of Dubai Executive Council, Dubai SME100 identifies the top performing SMEs in Dubai to help groom them into bigger and more sustainable enterprises, and to support them in their growth into larger and internationally oriented companies.\nSince the program’s inception, Paramount has been a part of Dubai SME100 and was awarded the 9th and 31st ranks in the first and second cycles respectively. This latest cycle of Dubai SME100 focused on the performance of the participating companies in the period 2012-14 and evaluated their growth in six categories, namely, Growth Performance; Innovation; Human Capital Development; International Orientation; Corporate Governance and Corporate Social Responsibility. Paramount achieved substantial growth in all prescribed categories during the said period as evident in its ascent from its 31st rank in the previous cycle to the 5th rank it has secured now. Even in each individual category, Paramount has surpassed its contemporaries by a large margin. It was placed at 3rd position for Growth Performance, 8th for Innovation, 1st for Human Capital Development, 4th for International Orientation, 6th for Corporate Governance and 1st for Corporate Social Responsibility.\nSpeaking at the event, Paramount’s CEO, Mr. Premchand Kurup, said:\n“Taking a business from the start-up stage through the build phase and then to the growth phase calls for expertise over enthusiasm. The Dubai SME100 is doing a remarkable job of enabling us to build the required expertise. Recognitions like these not only tell us how far we have come as a company but also how far we need to go. We are honored and humbled at the same time.”\nWith a legacy spanning more than two decades, Paramount has been the pioneer in providing technology and services to secure the Information Assets of businesses across GCC. Founded in 1992, transformed in 1999 and re-invented in 2007, the company considers itself a “class in transformation”. The company is also a part of the region’s rarest breed of organizations which has been awarded ISO 27001, ISO 9001, ISO 22301 and ISO 20000 certifications. On top of that, Paramount has also won numerous accolades like Dubai Quality Appreciation Program, Mohammed bin Rashid Award for Business Excellence, Dubai Chamber’s Happiness at the Workplace Award while it is regular winner of Dubai Chamber CSR Label and Dubai SME100 rankings.", "domain": "economics"}
+{"url": "https://wiki.neosvr.com/Neos_Credits", "date": "2022-10-01T10:49:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030335609.53/warc/CC-MAIN-20221001101652-20221001131652-00269.warc.gz", "language_score": 0.9329642057418823, "token_count": 2154, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__239481938", "lang": "en", "text": "Neos Credits (NCR) is the official currency of Neos Metaverse. In the current beta version of Neos, it is possible to send NCR to other users in order to conduct self organized economic activity, tip world creators and other users. NCR will further be used with the planned Neos Store and Neos Jobs marketplaces, when those are implemented.\nNCR is in the process of being minted (created) via its Initial Coin Offering (ICO) as set out in the Neos Whitepaper. The format of the NCR ICO was intentionally designed to provide stable and steady growth for early adopters and long-term holders, as well as to facilitate use of NCR as a practical currency rather than for speculation. Funds accrued through the Ethereum minting of NCR will be used exclusively to o fund development of Neos Metaverse through expansion of Neos team, developer, and content creator grants and awards, as well as other activities directly improving the value and enjoyment of time spent in Neos.\nEnvironment and Sustainability\nIf you have concerns about Neos/NCR's impact to the Environment then we have a separate page for explaining this.\nKey details are as follows:\nOur total supply of NCR is broken up into a few segments:\n- Total supply: 50,000,000 NCR\n- Total mint-able NCR: 48,000,000 NCR\n- Reserved for the Community Developer Fund: 2,000,000 NCR\nNCR is broken up into a series of batches:\n- Number of batches: 500\n- Batch size: 100,000 NCR\nEach Batch the minting price of NCR increases by: +1.25%\nOur initial minting price is: 0.06 USD, with an initial minting cap of: 3 million USD\nBased on our batches, extrapolating out to our final pricing:\n- Final minting price: ≈29.53 USD‡\n- Final minting cap: ≈1.47 billion USD‡\n‡ hypothetical values if/when total mint is complete\n- Decimal places: 18\n- Subunits: 1 Neos Credit\n- = 1,000 Neos Units\n- = 1,000,000,000,000,000,000 noi\n- Character sign: ℕ Double-Struck Capital N (Unicode +2115)\n- NCR genesis contract address:\n0xdb5c3c46e28b53a39c255aa39a411dd64e5fed9cDO NOT SEND ETH OR NCR TO THIS ADDRESS\n- NCR minting contract address: Listed on the https://neos.com/ website.\nUsing NCR with Neos\nEvery Neos Account has an associated managed wallet for NCR. Private keys for these wallets are held in cold storage. NCR can be natively sent and received by users within Neos as well as withdrawn to / deposited from external cryptocurrency wallets. The current balance of a user’s managed wallet is shown by the UserInfo facet in the Dash menu (present toward the top left of the Dash Home screen by default). This also shows balances for KFC (Kompletely Fake Coin), an explicitly valueless token intended for testing purposes, and CDFT.\nNCR may be sent using the ‘Send Credits’ button on the the Contacts screen in the Dash or via objects using the TipJar component. There are several manual confirmations required, so users are unlikely to accidentally send NCR if they do not mean to. Transactions between Neos Account managed wallets are not present on the Ethereum blockchain which avoids transaction fees and allows for quicker transfers. Withdrawals and deposits to and from external wallets are validated on the blockchain and, at present, must be manually confirmed. This may take up to 48 hours. The addresses for withdrawing / depositing credits can be found by pressing the respective buttons in the facet on the Dash Home screen (by default present towards the lower right side).\nSee #Tutorials for guides which include the depositing / withdrawal processes.\nYou can also Buy Storage with NCR.\nMinting and ICO\nNCR is currently undergoing its ICO where new NCR tokens can be minted via Patreon or by sending Ether (ETH) to the NCR minting contract address available on the website https://neos.com/. Note that this minting address is NOT the same as the genesis contract address - ETH should not be sent to the genesis contract address or it may be irretrievably lost!\nMinting proceeds in batches of 100,000 NCR with a total of 500 batches of which 20 are reserved for the Community Developer Fund (CDF).\nThe cost of NCR is denominated in US Dollars ($, USD); the price for the first batch was 0.06 USD and the price rises by 1.25% per batch. This results in an exponentially growing USD per NCR ratio as minting proceeds (see figures on the right). For the final batch, the price per NCR is expected to be ≈29.53 USD. Following completion of minting, the price of NCR will be determined by its use within the Neos economy and free trading on exchanges. The progress of the ICO, including the current batch number, can be seen on the official Neos website. An important feature of the NCR minting price being denominated in USD is that people wishing to mint NCR by purchasing ETH with traditional fiat currencies (such as USD, EUR, CNY, JPY etc.) do not need to be particularly concerned about the highly fluctuating ETH exchange rate.\nNCR is minted via Patreon or with Ethereum. The price of NCR per batch is set in USD. Minting transactions are currently confirmed manually. Processing of transactions is performed in order of their blockchain confirmation times within 48 hours. Seven blockchain confirmations are required for a transaction to be considered confirmed.\nNote that, in order to receive minted NCR, ETH must be sent from a wallet which directly manages your private key and is able to receive ERC-20 tokens, such as Metamask. Generally, accounts managed by an exchange (Coinbase, Bitstamp, Kraken etc.) are not suitable for receiving NCR. ETH may be permanently lost if it is sent to the minting address from an unsuitable wallet. Due to price movements from trading or shifts in the ETH exchange rate, trading ETH for NCR on Uniswap may be more or less advantageous than minting new NCR.\nFor a step-by-step guide on minting NCR starting with fiat currency see #Tutorials.\nPatreon pledges are another way to mint NCR as part of the reward for supporting Neos on Patreon. The amount varies depending on the Patreon membership tier (starting from the $6 Blade Runner tier) and will usually represent approximately 50 – 70% of the value of the corresponding pledge.\nIt is possible to pledge an amount higher than any specifically listed tier and to receive a corresponding amount of NCR. However, this is only possible if the pledge is denominated in USD. NCR rewards for pledges denominated in other currencies, but not exactly matching any official tier, will only be equal to the reward for the tier below the value of the pledge. This discrepancy is due to design choice in the Patreon API which means the Neos team cannot determine the exact exchange rate, and thus appropriate reward scale, used for non-USD pledges.\nPatreon transactions for Neos are processed at the start of each month and Patreon income is then used to mint NCR for rewards. For Patrons subscribing mid-month, no money will be taken (and no NCR rewards provided) until the start of the next month when they are first billed. NCR rewards are typically distributed a few days after the start of each month and are paid into a user’s managed in-Neos wallet. If a patron does not have a Neos Account linked to their Patreon account, their NCR rewards will be allocated at the time they choose to link their accounts. There are two caveats here which mean linking to a Neos Account is strongly recommended immediately upon becoming a Patron:\n- The reward amount is calculated using the exchange rate at time of account linking, therefore a Patron may lose out on NCR rewards if part of their membership was spent at a higher exchange rate before a reward halving.\n- Upon account linking, the system will attempt to match the pledged amounts to a specific pledge tier. If the Patron has subscribed in a non-USD currency this will not be possible and the system will provide rewards corresponding to the tier below the total amount. E.g. A Patron pledged at the ($12) Gunter tier for 4 months in any non-USD currency and then linked to a Neos Account to claim their rewards. They will get $36 worth of rewards (according to the Patreon membership reward scale) because that is the closest perk below the unclaimed sum of $48, with the next perk level being $72.\nTrading NCR on exchanges\nIt is strongly recommended that people intending to mint NCR, or otherwise use cryptocurrency, familiarize themselves with some of the fundamentals of the technology. Cryptocurrencies are an area of extremely active software development and may present advantages over fiat currencies for certain purposes. However, more responsibility rests with users to ensure the security of their funds and that their transactions are sent to the correct addresses due to the decentralized nature of cryptocurrencies. Note that the regulatory environment (including taxation rules) governing cryptocurrency transactions and storage can vary between states and countries - it is the responsibility of each individual to determine how to comply with local laws. Below are some useful introductory videos:\n- An accessible introduction to the basics of cryptocurrency:\n- Video tutorial which covers buying Ethereum, minting NCR, and sending it to the in-Neos managed wallet (Note that some UI shown in the video is now out of date):\n- Video tutorial which covers withdrawing NCR from the in-Neos wallet and selling it on an exchange (Note that some UI shown in the video is now out of date):", "domain": "economics"}
+{"url": "https://bmc.or.id/pages/11/bri-received-the-best-bank-for-csr-award-at-asiamoney-best-bank-awards-2018-indonesia/", "date": "2020-05-27T13:11:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347394074.44/warc/CC-MAIN-20200527110649-20200527140649-00223.warc.gz", "language_score": 0.9561043381690979, "token_count": 345, "dump": "CC-MAIN-2020-24", "global_id": "webtext-fineweb__CC-MAIN-2020-24__0__68368201", "lang": "en", "text": "BRI Received the \"Best Bank for CSR\" Award at Asiamoney Best Bank Awards 2018: Indonesia\nAs the oldest bank in Indonesia, Bank Rakyat Indonesia has become a pioneer in social contributions to the development programs, especially, for the Indonesian public sector. Under the leadership of Director, Mr. Suprajarto, BRI actively participates in providing natural disaster aid, education support and health improvement. During the 2017-2018 period, a total donation of US $ 10 million was channeled to the community by BRI, which took the photograph \"Proud to be Indonesian\".\nIn its role as a state-owned company, BRI persistently fulfills its responsibilities \"to help empower the community's economy\"\nSome of BRI's Corporate Social Responsibility Program includes, Indonesia Sejahtera, program which aims to reduce Indonesia's poverty rate. Indonesia Lestari BRI program that plays a role in restoring wildlife habitat and conservation, especially mangroves. BRI also often seeks to preserve the environment through the BRI Indonesia Sustainable program that plays a role in restoring wildlife habitat and conservation, especially mangroves. The total funds that have been donated by BRI for social development have reached Rp. 32.09 billion or US $ 2.2 million during 2017.\nWith its focus on developing and empowering micro-businesses, BRI designed thousands of low-interest loans and fund channels that were able to strengthen and encourage the presence of small businesses by helping working capital and fixed assets be achieved through its partnership program. In the aspect of partnership loans, throughout 2017 BRI has allocated US $ 15 million to more than 300 small ownership in agriculture, fisheries, and livestock.", "domain": "economics"}
+{"url": "http://pricedropcity.uk/argos-unbranded-ledbury-extending-wooden-dining-table-birch-10002887173", "date": "2024-04-14T10:18:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816879.25/warc/CC-MAIN-20240414095752-20240414125752-00127.warc.gz", "language_score": 0.8983904123306274, "token_count": 283, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__123199529", "lang": "en", "text": "The attractive and functional extending Ledbury dining table is the perfect solution for your dining needs. Constructed from high quality birch veneer with a delightful pale birch finish, this table will bring a fresh and clean look to your dining space. Part of the Ledbury collection. Table size: H73.5, L150, W80cm. Size of table extended H73.5cm. Size of table extended L190cm. Wood veneer table and wood veneer legs. Weight of table 39kg. EAN: 5055529589234.\nSold by: Argos\nMore savings at Argos\nMore savings on Unbranded\nProduct Category: Home and garden: Dining tables and chairs\nMore savings in Home and garden: Dining tables and chairs\nPrice Drop City has been tracking this product since Sunday 10 August 2014. Since then, the lowest price it has sold for is £259.99 (first seen on Sunday 10 August 2014) and the highest price it has sold for is £412.69 (first seen on Sunday 9 November 2014).\nThe median price over the time we have been tracking it is £259.99.\nThis product has changed price six times since we started tracking it, giving it a price volatility rating of 2.", "domain": "economics"}
+{"url": "http://uokerbala.edu.iq/en/a-workshop-on-ecotourism/", "date": "2020-02-18T14:02:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875143695.67/warc/CC-MAIN-20200218120100-20200218150100-00077.warc.gz", "language_score": 0.965276837348938, "token_count": 188, "dump": "CC-MAIN-2020-10", "global_id": "webtext-fineweb__CC-MAIN-2020-10__0__149751439", "lang": "en", "text": "The College of Tourism in the University of Kerbala conducted a workshop entitled ‘Ecotourism: The Most Important Means of Sustainable Development and Green Economy’. The event was attended by several lecturers and staff members from the college.\nThe workshop, which was conducted by Mr. Ali Hussein, discussed the indicators of tourism growth, the effects of traditional tourism on the environment, the differences between traditional tourism and ecotourism, and the importance of applying the basis of ecotourism in Iraq.\nThe workshop concluded that ecotourism is an essential component of sustainable development and green economy. Moreover, Mr.Ali emphasized that the sectors which are related to tourism should cooperate to establish the basis of ecotourism in Iraq, ecotourism should be integrated in the curriculum of the schools, and the government should conduct conferences as well as exhibitions about ecotourism to promote tourism in Iraq.", "domain": "economics"}
+{"url": "http://ccla.edsoft.com.mx/apartments-peru-under-development/", "date": "2021-10-24T03:59:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585837.82/warc/CC-MAIN-20211024015104-20211024045104-00396.warc.gz", "language_score": 0.925146222114563, "token_count": 199, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__17204689", "lang": "en", "text": "Juan de Arona\nLocated in one of the principal avenues of San Isidro district, minutes away from one of the main business areas of the city that holds the headquarters of the country’s largest companies and banks. Additionally, it is blocks away from Javier Prado Ave, the second largest avenue in the city, providing good public transportation and proximity to many entertainment establishments. This is a 10-story building that contemplates a residential and a retail component.\nLocated on Miraflores, one of the districts with the highest standards of living, due to its extensive number of public parks, plazas and a bustling commercial scene with a variety of services ranging from modern malls, high end hotels, local and international cuisine to crafting stores, art galleries, theatres and recreational centers. All of this has positioned Miraflores as the go-to touristic area of Lima. This is a 22-story building that contemplates a residential and a retail component.", "domain": "economics"}
+{"url": "https://go.forwardspace.com/blog/q-a-blake-mycoskie/", "date": "2024-04-13T19:27:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816832.57/warc/CC-MAIN-20240413180040-20240413210040-00191.warc.gz", "language_score": 0.9719581007957458, "token_count": 1683, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__139234053", "lang": "en", "text": "On TOMS Shoes\nTOMS Shoes is a company with an extraordinary premise: with every pair of TOMS they sell, they also give a pair of new shoes to a child in need in places like Argentina, Ethiopia, and South Africa. The shoes protect children from cuts, sores, and soil-transmitted diseases that can penetrate the skin through bare feet, and they also complete the uniform they need to attend school. The TOMS One for One business model has resulted in more than a half-million pairs of new shoes given to children around the world, including the U.S. through its giving partners.\nTOMS is the fifth different business founded by 33-year-old Blake Mycoskie. Earlier start-ups include a door-to-door laundry company and an online driver’s education school. Former President Clinton has called Mycoskie “one of the most interesting entrepreneurs (I’ve) ever met,” and the company and its founder have been covered by Time, People, CBS News, and scores of other media. While in Chicago for a “Style Your Sole” event at the Steelcase showroom, Mycoskie sat down with Threesixty to discuss the TOMS sustainable business model.\nWhere did the idea for TOMS come from?\nI was on vacation in Argentina and met a few women at a café who were doing a volunteer shoe drive. They were going around to the wealthy people in Buenos Aires, collecting slightly used shoes, and then putting them on these children about two hours outside of the city who desperately needed shoes to go to school. I went with them, and it was something amazing. I saw all these incredibly compassionate, loving people, getting on their hands and knees, putting these shoes on these kids’ feet.\nHow did that lead to the One for One model?\nOn the one hand, I was really touched, but on the other hand a little bit concerned. I thought, these volunteers are going to go home, and these kids are going to grow out of these shoes, or they’re going to wear out of them. Who’s going to give the next pair of shoes? How is this really going to be sustained? I thought there needed to be a better way than just the typical charity model. So I came up with this idea: instead of starting a charity, what if we start a business, a for-profit company, where every time we sold a pair of shoes, we gave a pair away? That way we wouldn’t be dependent on donations and foundations.\nYou wanted to avoid a traditional charitable giving model?\nI worried about sustainability. I kept thinking, if I start a charity, maybe the first year would be great: my parents and friends and family would donate, and I’d buy shoes and give them to my kids. Maybe the second year would be great, but then what happens if you have something like Hurricane Katrina and I go to my supporters and they say, “Well, we’re donating to Hurricane Katrina relief?” Rightfully so, but what am I going to tell the kids that are used to wearing shoes now? I never want to be in that position, and that’s one of the reasons why I decided to create this one-for-one model.\nWas that a life-changing moment for you?\nThat would be really romantic, but the truth is, no. When I had the idea, it was just that, an idea, it was a hypothetical. But when life really did change, when it really got turned upside down, was when I was on that first TOMS Shoe Drop. When I was putting these shoes on kids, it was just amazing. That was when I knew this is my calling, this is what I’m supposed to be doing with the entrepreneurial skills and gifts that I have been given.\nIs TOMS a sustainable business?\nI used the capital from selling my last business to my old partners to fund TOMS. We’ve never had to go to an investor, it’s been completely self-funded, so we can stay true to our giving philosophy in our business the way that we want to and not the way that maybe an investor or someone else of influence would want. I’m an entrepreneur. I want to build a business. But at the same time, profit is not the main thing driving the business. It’s important that we’re profitable, and this year we will be for the first time, because that’s the only way you can truly have sustainability. Ultimately, I’m trying to create something that’s going to be here long after I’m gone.\nYou’re defining sustainability in a different way…\nYou hear a lot about sustainability in all different realms now. Definitely on the environmental side, on the business practice side, etc. For me, sustainability is knowing that when I give a child a pair of shoes, that when they wear them out or grow out of them, they’ll be able to get another pair, and another pair. We’re going to keep them in shoes because that allows them to go to school and prevents foot diseases. For us to truly say we’re sustainable, we have to not only build a business so we are allowed to continue to give shoes by selling shoes, but we also build profits so if we have a bad season, we can continue to give shoes. The fashion business is very cyclical; that’s just part of the business.\nWhat about the environmental aspect of sustainability?\nWe’re working on it. Not every practice is as good as it could be, but we’re getting there. We’re focusing, for example, on what we can do in our office. We have a “green team” that really has helped change a lot of our internal practices, some as simple as not using bottled water in the office, using coffee mugs instead of paper cups, and saving all the packaging that comes into our headquarters to reuse for sending things out.\nHow sustainable is TOMS manufacturing?\nWe manufacture now in Argentina, Ethiopia, and China. It’s based on where we’re giving. We’re trying to eliminate or reduce transport and energy and cost. We require that the factories operate under sound labor conditions, pay fair wages, and follow local labor standards, and a code of conduct is signed by all factories. Our production staff routinely visits these factories to make sure they are maintaining these working standards. We also have third parties audit the factories at least once a year to ensure they adhere to proper labor regulations. In fact, we recently had to part ways with a supplier over healthy and safety concerns.\nAre TOMS shoes sustainable products?\nOne of the new materials we introduced this year looks like a normal canvas, but it’s actually made with 70% recycled plastic bottles and 30% hemp. It’s very environmentally sustainable, it’s very strong. Many of our shoes use pesticide-free cotton canvas, and recycled rubber scraps in the bottom unit material. Starting next spring the TOMS shoebox will be completely redesigned with post-consumer recycled paper and soy inks. We’re experimenting with new types of materials for our shoes and constantly improving, but we have a long way to go.\nDoes every TOMS employee get a chance to distribute the shoes to kids?\nWe pay for every single employee at TOMS — and we have 72 full-time people– to go on a Shoe Drop once every two years. That requires everyone to work as a team, because you can’t leave for two weeks unless you have someone who can do at least part of your job while you’re gone. So no one becomes the holder of the information. It requires more teamwork this way. It also costs us about $3,000 each time we send someone. But when they come back they are so inspired and excited and energized — and then they energize and excite everyone else!", "domain": "economics"}
+{"url": "http://waterpebbleus.com/wholesale.html", "date": "2018-02-21T14:37:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891813626.7/warc/CC-MAIN-20180221143216-20180221163216-00517.warc.gz", "language_score": 0.8798072934150696, "token_count": 204, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__270953216", "lang": "en", "text": "the eco friendly water activated shower timer\nOwn Label Pack\nPrint – Logo Size 10- 35mm max\n$0.25 per color. Min is 500 units\nThis award winning water saver is probably one of the cleverest items available in today’s growing water saving eco market.\nWaterpebble helps to change peoples water consumption habits gradually.\nso saving you money!\nShowering accounts for 17 percent of the water that Americans use inside their homes, or 1.2 trillion gallons of water used in the United States each year. By following the easy to understand patented Traffic Light system an average family of four could save up to $300 per year on water and energy costs. Including 12,700 gallons of water.\nClever - just set it and forget it!\nYou are now saving money and reducing your carbon footprint!\nFor a full range of water saving and energy conservation products visit our main storefront at www.floridaecoproducts.com", "domain": "economics"}
+{"url": "https://pureliferx.com/medicare-donut-hole/", "date": "2020-12-03T09:46:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141727627.70/warc/CC-MAIN-20201203094119-20201203124119-00119.warc.gz", "language_score": 0.9160705208778381, "token_count": 443, "dump": "CC-MAIN-2020-50", "global_id": "webtext-fineweb__CC-MAIN-2020-50__0__215859356", "lang": "en", "text": "Medicare Donut Hole\nFrequently asked questions about Medicare Donut Holes:\nHow does the Medicare donut hole work or what does it mean?\nA donut hole is where the Medicare prescription drug coverage goes into a coverage gap or “donut hole” where you, the patient, have to pay for drugs out of your own pocket. Not good!\nWhen does the donut hole start?\nIn 2018 your coverage gap generally starts once you and your plan have spent $3,750 on covered drugs.\nWhen does the donut hole end or when does it go away?\nIn 2018 you get out of the donut hole when you have paid $5,000 out-of pocket for covered drugs since the start of the year. When you reach this out of pocket limit, you get Catastrophic Coverage.\nWhen you reach Catastrophic Coverage, you pay either a 5% coinsurance for covered drugs or a copay of $3.35 for covered generic drugs and $8.35 for covered brand-name drugs, whichever is greater.\nCan you avoid the Medicare donut hole?\nOne of the most common ways to avoid going into the donut hole is to buy low cost generic medications throughout the year. You must try to avoid the expensive brand name medications that can speed you right over the cliff into the donut hole. Generic drugs are required by the FDA to have the same ingredients as the brand-name version, at the same dosage, be administered the same way, and be proven to have the same effect. Ask your health care provider if any of your prescriptions can be switched to generics.\nAnother way to save money and avoid the donut hole is to order 90-day supplies of you generic medications at a discount. Pure Life Pharmacy specifically has plans to encourage the 90-day supply purchase of generics. We have a “buy 2 months get the 3rd month FREE!” program on the most popular maintenance med generics.\nPlease click this link to see a list of our generics on promotion.\nHere are some reference links for more information on the Medicare donut hole:", "domain": "economics"}
+{"url": "https://mysocalledgaylife.co.uk/2014/10/hiv-life-assurance-survey-2014/", "date": "2018-09-25T20:50:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-39/segments/1537267162385.84/warc/CC-MAIN-20180925202648-20180925223048-00355.warc.gz", "language_score": 0.9592399001121521, "token_count": 507, "dump": "CC-MAIN-2018-39", "global_id": "webtext-fineweb__CC-MAIN-2018-39__0__31112345", "lang": "en", "text": "This is the fourth year that Unusual Risks have surveyed the availability of HIV Life Assurance in the UK, with the earliest survey result in 2011 indicating only 50%* of insurance providers were offering any form of HIV Life Assurance. This year Unusual Risks have expanded their survey to find out more about the availability of Income Protection and Critical Illness Cover to people living with HIV. They have also looked at the number of HIV Positive People that would consider taking out such policies if they became available.\nSpeaking about their survey, Chris Morgan, Lead Financial Adviser of Unusual Risks said;\n‘We recently surveyed the top ten life assurance groups servicing brokers and were delighted to see that 70% of companies are still offering Life Assurance to HIV Positive people. It is encouraging to see a wide range of Life Assurance products available to the HIV community’.\n‘Unusual Risks are constantly working with insurance providers to create better products and services for the HIV community. In this year’s survey we also decided to look at the availability of Income Protection Insurance and Critical Illness Cover to people with HIV’.\n‘We are now receiving regular enquiries about the availability of Income Protection and Critical Illness Cover from HIV Positive people. However, we are still unable to offer these types of products to people living with HIV as they are unavailable in the market place’.\nIn this year’s HIV Insurance Survey Unusual Risks established that currently 0%* of the major Insurance companies surveyed currently offered any form of Income Protection Insurance or Critical Illness Cover to people already diagnosed with HIV.\nIn a further part of their survey Unusual Risks established that 61%* of people living with HIV would consider taking out some form of Income Protection or Critical Illness Cover if it was made available to them in the market place.\nChris Morgan at Unusual Risks led the campaign for the introduction of HIV life Assurance from 1999 through to its introduction in 2009. He believes that it’s now time the UK Insurance industry take a serious look at providing Income Protection and Critical Illness Cover for people with HIV.\nIf you require more information on HIV Life Assurance, HIV Life Insurance or HIV Mortgages please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075, or by email at firstname.lastname@example.org and on the web www.unusualrisks.co.uk", "domain": "economics"}
+{"url": "http://www.thefriendlife.com/tag/real-estate-markets/", "date": "2018-01-22T18:32:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084891530.91/warc/CC-MAIN-20180122173425-20180122193425-00056.warc.gz", "language_score": 0.9712712168693542, "token_count": 731, "dump": "CC-MAIN-2018-05", "global_id": "webtext-fineweb__CC-MAIN-2018-05__0__78368915", "lang": "en", "text": "Long Island, New York is perhaps one of the hottest real estate markets in the US, if not in the world. During the third quarter of 2015, it was reported that sales on the Long Island housing market were at the highest that they’ve ever been over the last twelve years. Despite the recent economic depression hitting many real estate markets, Long Island real estate owners have benefitted from a significant increase in the average sales price.\nGiven the statistics in the previous paragraph, it is indeed a good time to be a Long Island (LI) realtor. While just about anyone can study up on real estate law to qualify as one, it takes a bit more to become one of the best and thus benefit from the area’s booming property market.\nSo, what sort of qualities should someone who aspires to be a great LI realtor have?\nThe following are some of the traits that most of the best LI realtors have:\n1.) A working knowledge of the locale.\nIt is practically impossible for anyone who’s never lived in Long Island or ever sold a house there to make it in the Long Island property market. To be a great LI realtor, you first need to spend some time getting to know the area. Which parts of it are the most active? Which part of Long Island serves as the center of commerce? Which areas have the best schools? Which areas are relatively quiet?\nThe best realtors can answer the aforementioned questions confidently in a heartbeat, and thus provide great value to their clients. Knowing the area well will help you package a house for a seller in a way that will sell it off quickly. Buyers, on the other hand, will appreciate it if you are able to zero in on the sort of properties that serve their stated needs. If you have difficulty answering the said questions, then perhaps you need to learn the lay of the land a bit more.\nGiven the demand for Long island properties as well as the relative shortage of such, buyers and sellers alike value persistence in their brokers. Someone who doesn’t quit easily or does not quit at all is bound to get better results for their client, after all.\nOne sure sign of a tenacious LI realtor is the initiative to follow up with clients after a home or a property has been shown.\n3.) A certain degree of showmanship.\nThe best realtors are always impeccably groomed and confident. They often exude the sort of quiet self-assurance needed to put prospective buyers at ease. Often, buyers gravitate towards the kind of realtor who seems to put only the best properties on his or her listings.\nA good LI realtor should also be able to showcase and present the home or property of their client as though they take a great personal pride in the making of such. Rather than just going through the motions, the realtor should be enthusiastic about the house’s biggest selling points, be it the location, décor, or facilities.\n4.) Good connections.\nOne of the reasons why people hire brokers is because they are supposed to have a good network of people who are both buying or selling a property. Top realtors not only have the best property listings. They also have access to a very comprehensive and updated list of prospective buyers. Having one of the two is good, but having both will propel you even further as a broker.\nUnless they function independently, brokers who represent the most renowned realty agencies are also viewed more favorably since they are bound to have undergone intensive training under the latter.", "domain": "economics"}
+{"url": "https://press.buffiniandcompany.com/7-traits-emigrants-follow-to-achieve-unprecedented-success-on-the-entreleadership-podcast/", "date": "2023-10-05T03:11:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511717.69/warc/CC-MAIN-20231005012006-20231005042006-00033.warc.gz", "language_score": 0.9474093317985535, "token_count": 897, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__88829237", "lang": "en", "text": "Brian Buffini, Dave Ramsey Share 7 Traits Emigrants Follow to Achieve Unprecedented Success on the EntreLeadership® Podcast\nBuffini discusses the winning attributes of successful emigrants on popular podcast hosted by financial expert Dave Ramsey\nCARLSBAD, Calif. (May 16, 2023) — Emigrants to America are four times more likely to become millionaires than those born in the United State, according to Brian Buffini, the chairman and founder of Buffini & Company, North America’s largest coaching and real estate training company. Not only that, one out of every five Fortune 500 companies has been started by an emigrant. This, in spite of the fact only 13% of the population is an emigrant.\nAccording to Buffini, those who were born in the United States can achieve that type of success as well, if they follow the principles outlined in his bestselling book, “The Emigrant Edge”. He discusses those attributes during an interview on “EntreLeadership®,” the popular podcast hosted by personal financial expert Dave Ramsey.\nBuffini, who was born in Ireland, came to the United States as a young man. A tenacity for hard work helped him achieve astounding success, becoming a millionaire at age 26 and one of California’s top real estate agents before founding Buffini & Company in 1996.\n“We’re in the land of opportunity,” Buffini says. “Fortunes are going to be made in the next 5, 10, 15 years. And if people listening today want to do that, they can.”\nIn the podcast, Buffini and Ramsey discuss what Buffini believes the seven winning attributes of emigrants are. They include:\n- An openness to learn.\n- A “do whatever it takes” attitude.\n- A willingness to outwork others.\n- A heartfelt spirit of gratitude.\n- A boldness to invest.\n- A commitment to delay gratification.\n- An appreciation of where you come from.\nOf those traits, gratitude was especially important, they notes.\n“The two most powerful words in business are ‘thank you,’ “ Buffini says. “And emigrants are grateful for the opportunity to do business here.”\n“There is something that is unleashed in the human spirit that allows space, allows margin, to create success only when you learn gratitude,” Ramsey agrees.\nThe EntreLeadership podcast features real-life, real-time business and leadership coaching from Ramsey as well as other featured business leaders. To view the episode featuring Buffini click here.\nBuffini will also be a guest speaker at the EntreLeadership Summit to be held in Nashville, Tenn., May 30-June 2. To learn more and register, visit ramseysolutions.com/shows/summit-livestream.\nAbout Buffini & Company\nBuffini & Company is the largest coaching and training company in North America. Founded by real estate legend and master motivator Brian Buffini, the company provides a unique and highly effective lead generation system. Buffini & Company’s comprehensive business coaching, training programs and cutting-edge content have helped more than 3 million professionals in 45 countries improve their business, increase net profit and enhance their quality of life. To learn more about Buffini & Company, visit www.buffiniandcompany.com.\nAbout Brian Buffini Brian Buffini, chairman and founder for Buffini & Company, was born and raised in Dublin, Ireland, emigrated to San Diego, California in 1986, where he became the classic American rags-to-riches story. Discovering real estate, Brian quickly became one of the nation’s top real estate agents working a non-traditional methodology based on building long-term relationships with clients. Today, he travels the world sharing a message of encouragement about how to live your best life. His wit, wisdom and motivational style make him a dynamic speaker and host of “It’s a Good Life” podcast where he delivers simple tips, tools and training for a good life. He is a New York Times, Amazon and Wall Street Journal bestseller with his latest book, “The Emigrant Edge.” Learn more at brianbuffini.com.", "domain": "economics"}
+{"url": "http://www.speedtech500.com/index.php?option=com_content&view=article&id=160&Itemid=107", "date": "2014-04-21T01:59:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-15/segments/1397609539447.23/warc/CC-MAIN-20140416005219-00362-ip-10-147-4-33.ec2.internal.warc.gz", "language_score": 0.9470078349113464, "token_count": 155, "dump": "CC-MAIN-2014-15", "global_id": "webtext-fineweb__CC-MAIN-2014-15__0__196299322", "lang": "en", "text": "Bronze Corporate Motorsports Program\nOur most economical corporate program, valid for a one-year period. This program includes:\n- Graphics (4\" x 8\") provided by your company on all race cars for a period of one year. (Valued at $5,000)\n- 15 “Warmin’ Up” program vouchers to be used on different occasions or for a corporate outing. These vouchers would be made available to you for a one-year period. (Valued at $10,000)\n- Placement of your logo/general information on our website and a link between our website and your corporate website that mutually benefits both companies. (Valued at $1,000)\nPlease call for pricing and track availability.", "domain": "economics"}
+{"url": "https://williams317.firstbetyenigiris.com/2021/06/29/the-incredible-experience-of-playing-in-casino-korea/", "date": "2021-10-16T00:24:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323583087.95/warc/CC-MAIN-20211015222918-20211016012918-00449.warc.gz", "language_score": 0.9775055646896362, "token_count": 861, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__108586099", "lang": "en", "text": "The Incredible Experience of Playing in Casino Korea\nThe interesting history of how Koreans got known as Casino Korea is quite interesting to say the least. Basically, it all started when some North Korean people decided they desire to open an illegal casino at the illegal border between North and South Korea. It had been an extremely risky and taboo subject, so there were many police who stood by watching. They even setup road blocks to stop vehicles from crossing into the country to visit or do business with the casino.\nEventually, the police learned all about this whole situation and the soldiers guarding the border stopped allowing vehicles to cross. This was when the South Korean businessmen made a decision to build a cheap hotel on the Chinese border. This was the initial step toward what would become referred to as the Casinos of Korea. Eventually, it evolved into what we realize today because the Casinos of South Korea and the Korean Peninsula. Today, there are a lot more than 20 such casinos operating in the Korean peninsula, with more opening in different places.\nThere are two major reasons why South Korean businessmen decided to open a casino in the North. First of all, it allowed them to utilize the rich Korean gaming culture. It really is no secret that the Korean gaming industry is probably the most profitable on the planet. Many westerners view it to be very similar to the planet of gambling, except for the fact that it is entirely legal in South Korea.\nIn addition to this, the North Korean businessmen saw a chance to make some quick money by starting a casino in the North. North Korea’s location, being isolated from the rest of the world, made it possible for the north Korean businessmen to charge extremely low charges for their goods. This was a large advantage for the North Korean businessmen. The lack of goods and services in the united kingdom forced the government to interfere and make their life harder. With the current presence of a foreign company, the government had no other choice but to reduce its price or let them sell their goods at an extremely low rate.\nSince the casinos started opening in the North, the quantity of foreign tourists to the united states in addition has increased dramatically. Many foreigners saw the wonderful offers that the North Korean casinos offered and believed that they could do the same with real cash. These were the conditions that the North Korean players saw for themselves and it is very easy to see why they decided to take advantage of it. All they had to accomplish was gamble some money plus they won!\nUnfortunately, these bargain deals didn’t last long. Regulated by the federal government immediately after its opening, the south Korean players took to the virtual casinos and soon beat the chances and got a thrill from the excitement and fun of playing without risking anything. Soon, the south Korean players were beating the odds and winning the jackpot in virtual casino Korea. With this success, more citizens begun to play there and the country’s appeal grew tremendously.\nWith the Internet’s popularity growing, more foreign businessmen were looking at the offer of online roulette and they saw the options of gambling in the country. With the people’s interest, the federal government allowed for more casinos to be opened in the south Korea. This trend only increased once the demand became large. Nowadays, there are many online casinos in the south Korea that cater to the needs of the players. They have added features and services such as for example live streaming television and also internet bingo to attract more clients. If you need to experience the excitement and fun of gambling in the real world, then there is absolutely no better place than the south Korea.\nIf you visit the south Korea, you won’t ever be bored. The casinos can be found in beautiful locations and provide a lot of exciting things to do and see. It is possible to enjoy your stay at the hotels that are situated in the area and try out all the different forms of casino games. As long as you are good at playing online roulette, then you will surely have fun in the casino korea. You may even prefer to visit other attractions in your community such as the Olympic Park and the 우리 카지노 추천 Dong Eui Hospital.", "domain": "economics"}
+{"url": "https://airlinesreservationsnumbers.com/the-0-rupee-ticket-offer-by-vietjet-unpacking-the-deal/", "date": "2023-12-07T04:18:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100632.0/warc/CC-MAIN-20231207022257-20231207052257-00737.warc.gz", "language_score": 0.9387561082839966, "token_count": 561, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__237496801", "lang": "en", "text": "VietJet, a well-known player in the aviation industry, has recently caught the attention of travelers with its unique 0 Rupee ticket offer. This seemingly irresistible deal promises a flight for free but comes with a twist – it ultimately costs 14,000 Rupees. In this article, we’ll dissect this offer and provide a comprehensive overview of what travelers can expect.\nThe 0 Rupee Ticket: What It Entails\nThe idea of a “0 Rupee” ticket naturally grabs the attention of budget-conscious travelers. It appears as if you’re getting a flight completely free of charge. However, as the saying goes, “there’s no such thing as a free lunch.” VietJet’s 0 Rupee ticket is no exception.\nUnderstanding the Fine Print\nUpon closer inspection, it becomes evident that this offer is more of a marketing strategy than a true freebie. While the base fare might indeed be advertised as 0 Rupees, the total cost inevitably includes additional charges and fees, bringing the grand total to 14,000 Rupees.\nBreaking Down the Costs\nTaxes and Fees\nThe primary contributors to the final ticket cost are taxes and various fees. These include airport taxes, security charges, and service fees, among others. It’s crucial for travelers to be aware of these additional costs upfront, as they significantly impact the affordability of the ticket.\nAnother factor that influences the final ticket cost is dynamic pricing. Airlines often employ this strategy, adjusting fares based on factors such as demand, booking timing, and seat availability. This means that even though the base fare is advertised as 0 Rupees, the final price may vary depending on when and how you book.\nIs It Still a Good Deal?\nFactors to Consider\nWhether or not the 0 Rupee ticket offer by VietJet is a good deal depends on individual circumstances. Travelers should consider factors such as their flexibility with travel dates, willingness to accept potential fluctuations in price, and their overall budget.\nTransparency and Expectations\nVietJet’s offer highlights the importance of transparency in the airline industry. While the 0 Rupee ticket may seem like a fantastic deal at first glance, travelers must be aware of the additional costs and potential fluctuations in pricing. Setting realistic expectations is key to a satisfying travel experience.\nIn conclusion, VietJet’s 0 Rupee ticket offer is a compelling marketing tactic that can indeed provide budget-friendly travel opportunities. However, it’s essential for travelers to approach this offer with a clear understanding of the additional costs involved and the potential for price fluctuations. By doing so, they can make an informed decision and determine if this deal aligns with their travel plans and budget.", "domain": "economics"}
+{"url": "https://coresectorcommunique.blogspot.com/2012/09/iron-ore-price-posts-record-jump-spot.html", "date": "2023-05-30T14:43:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224645810.57/warc/CC-MAIN-20230530131531-20230530161531-00152.warc.gz", "language_score": 0.9497514963150024, "token_count": 1023, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__157798965", "lang": "en", "text": "Iron ore price posts record jumpSpot iron ore posted its biggest one-day gain on record yesterday and China steel futures rose sharply for a second day, supported by hopes Beijing’s approval of $US157 billion ($150 billion) in infrastructure projects would resuscitate steel demand.\nOffer prices for imported iron ore cargoes in China rose over the weekend and the benchmark rate jumped by $US6, or 6.7 per cent, to $US95 a tonne on Monday, based on data from information provider Steel Index.\nThis is the biggest rise ever recorded by the Steel Index, which started assessing spot iron ore prices in April 2009.\n“There’s more interest now from buyers to get iron ore cargoes even at prices slightly higher than previous deals. Sentiment’s better,” said an iron ore trader in Shanghai.\nLocal miners failed to respond to the price jump, with Rio Tinto down 0.4 per cent and Fortescue off 1.7 per cent. The more diversified BHP Billiton was trading flat. Iron ore miners had rallied strongly in the previous two session.\nChina’s economic planning body on Friday approved projects to build highways, ports and airport runways, that analysts estimate at more than 1 trillion yuan ($150 billion), roughly a quarter the size of the massive stimulus package unleashed in response to the global financial crisis in 2008.\nShanghai rebar futures surged by their 5 per cent limit on Friday on the news, and spot iron ore rose more than 2 per cent.\nOn Monday, the most-traded rebar contract for January delivery on the Shanghai Futures Exchange hit a two-week high of 3508 yuan a tonne. It closed up 2.7 per cent at 3497 yuan.\n“I guess the market’s divided now. Half expect the price gains to continue while the other half are still pessimistic,” said another Shanghai-based trader.\nEuropean traders said sentiment had improved on the back of the planned infrastructure spending but many warned the price rise might be temporary as the amount is smaller than previous ones and it would take time before these plans were implemented.\n“The news of a trillion yuan being injected into infrastructure spent in China was the biggest catalyst for today’s jump to the upside. Compared to 2009 though when nearly 15 trillion was injected, this is small cheese,” London Dry Bulk, an iron ore brokerage, said in a report.\n“When you take a step back and look at this, it is not really that significant and this could be just a knee jerk reaction. Perhaps prices will continue to fall further after the dust settles.”\nBHP Billiton is selling more cargoes at a tender on Monday – 100,000 tonnes of 62.7-per cent grade Australian Newman iron ore fines and 90,000 tonnes of 57.7-per cent grade Yandi fines, traders said.\nBrazil’s Vale, the world’s top iron ore miner, is selling two cargoes – 134,000 tonnes of 63.36-per cent grade iron ore lumps and 176,000 tonnes of 64.98-per cent grade Carajas fines, said traders.\nTraders expect prices at both tenders to rise further.\n“We would take this chance to clear our stocks at higher prices. We already received offers that are 30 to 50 yuan higher than the last offers,” said the first trader.\nDespite the firmer offers, he said the prices were still about $US10 less than the purchase price of the cargoes, totalling about 200,000 tonnes.\nThe second trader said he had yet to hear from clients and doubted whether the iron ore price rise would last.\nBefore this rebound, iron ore and steel prices were in a downward trajectory, with iron ore hitting a near three-year low of $US86.70 a tonne on September 5 and Shanghai rebar futures reaching a record low of 3,206 yuan on September 6.\nChina’s imports of iron ore in August rose 7.9 per cent from the previous month to a three-month high of 62.45 million tonnes, data showed on Monday, with buyers turning to the international market as a collapse in prices forced domestic producers to slash output.\n“Imports stayed high in August because these orders were made in July or earlier. But this certainly implies that there’s oversupply in China,” said Helen Lau, senior commodities analyst at UOB-Kay Hian in Hong Kong.\n“We think iron ore prices are still under downside pressure and we maintain our view that in the coming months, iron ore imports will come down to around 30 million to 40 million tonnes. China has a high iron ore inventory, steel production has peaked and demand is weak.”\n- Umesh Shanmugam\nPost a Comment", "domain": "economics"}
+{"url": "http://www.aboutgst.com/2017/04/22/how-to-grow-your-business/", "date": "2021-04-16T15:10:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038066981.0/warc/CC-MAIN-20210416130611-20210416160611-00080.warc.gz", "language_score": 0.9517505168914795, "token_count": 970, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__101211822", "lang": "en", "text": "Section 10 and its related draft composition rules of CGST bill talks about the composition levy. The basic principle underlying the composition scheme is, to minimize the burden of compliance for small taxpayers. There are around 8 millions taxpayers that are expected to be migrated from the current laws into the GST regime, however many of these taxpayers will have limited turnover and may not have requisite resources and expertise to comply with all the procedure envisaged under the GST. Under the proposed GST regime, a small supplier of goods can opt to pay the GST levy under composition scheme. Important provisions regarding composition levy is as follows.\nBasic Conditions for Composition Levy\n1. He shall be a registered person under GST\n2. His aggregate turnover in the preceding financial year should be less than INR 50 lakhs.\nProhibited Activities under Composition Levy\n1. Supply of Services: He is not engaged in the supply of services other than supplies referred to in paragraph 6(b) of\n2. Goods not Covered under GST: He is not engaged in making any supply of goods which are not leviable to tax under this\nAct. Example: Liquor\n3. Inter-State Supply: He is not engaged in making any inter-state outward supplies of goods.\n4. He is not engaged in making any supply of goods through and electronic commerce operator who is required to collect tax\nat source under section 52.\n5. He is not a manufacturer of such goods as may be notified by the Government on recommendations of the Council.\nDisplay of Composition Levy\n1. He shall mention the words “composition taxable person, not eligible to collect tax on supplies” at the top of the bill\nof supply issued by him.\n2. He shall mention the word “composition taxable person” on every notice or signboard displayed at a prominent place at his\nprincipal place of business and at every additional place or places of business.\nAdvantages of Composition Scheme\nLimited Compliance : A normal taxpayer is required to submit a minimum of 3 returns on monthly basis and 1 yearly consolidated retrun. Thus, in a complete year he is required to furnish 37 returns to the government. Non-compliance of which will attract penalty. Further to furnish these returns, a small supplier is bound to maintain detailed books of accounts and keep records of all transactions along with supporting documents. However, under the composition scheme, taxpayer is required to furnish quarterly return and annual return only,thus he need not worry on record keeping and can focus on his business more rather than being occupied in compliance procedures.\nLimited Tax Liability : Another benefit of getting registered under the composition scheme is that the tax rate for such taxpayer is nominal under the Model GST Law. Tentatively this rate is expected to be not less than 1% for manufacturer and 0.5% in any other cases instead of a standard reate of 18%\nLevel Playing Field : Just because a taxpayer has chosen to get registered under the composition scheme, doesn’t mean losing the competitiveness. Since the profit margin of a supplier in composition scheme is more than a large taxpayer, such supplier can outplay the economies of scale of large enterprises by offering competitive prices and key hold the local market of supply. Thus, composition scheme ensures the interest of small suppliers carrying out intrastate transactions and provides with a sustainable and competitive supply market.\nDrawbacks of Composition Levy\nLimited Territory for Business : A taxpayer registered under the composition scheme is barred from carrying out interstate transactions. Thus, he is compelled to carry only intra-state transactions and limits the territory of his business. Furthermore, this section is in contradiction of “One nation One tax” as this section limits the benefit only to the boundry of the state.\nNo Credit of Input Tax : There has been no provision of input credit on B2B model, such person will not be allowed the credit of input tax paid from the output liability. Also, the buyer of such goods will not get any credi of tax paid, resulting in price distortion and cascading. This will further result into a loss of businesss as a buyer registered as a normal taxpayer will not get any credit when buying from a person registered under composition scheme. Eventually such buyers might avoid purchases from a taxpayer under composition scheme.\nNo Collection of Tax : Though the rate of composition tax is kept very nominal at 1% or 2.5%, a taxpayer under composition scheme is not allowed to recover such tax from his buyer, as he is not allowed to raise a tax invoice. Consequently, the burden of such tax is kept on the taxpayer himself and this has to be paid out of his own pocket. Thus, the fundamental principle of limited compliance and tax burden on small taxpaer is defeated here.", "domain": "economics"}
+{"url": "https://simon-auto.de/home-en/conditions/?lang=en", "date": "2022-11-27T05:02:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710192.90/warc/CC-MAIN-20221127041342-20221127071342-00258.warc.gz", "language_score": 0.9395952224731445, "token_count": 2738, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__141736432", "lang": "en", "text": "General terms and conditions of the company:\nSimon-Automotive Technology e.K.\nOwner: Andreas Simon\nBusiness Phone: 02208-3031\nVAT ID No. /VAT-Number: DE 123 190 483\nTax Office Siegburg; Tax No. 220/5441/0151\nLocal Court Siegburg HRA 4990\n- 1 Scope of application\n- Our terms and conditions apply exclusively; We do not accept any terms and conditions of the customer that deviate from our terms and conditions unless we have expressly agreed to their validity in writing.\n- Our terms and conditions also apply if we deliver the delivery without reservation to him in the knowledge of contrary or deviating conditions of the customer.\n- By placing an order or accepting the first delivery, the customer recognizes the exclusive validity of our terms and conditions\n- 2 offers, order placement\n- Our offers are subject to alteration.\n- If the customer’s order is to be qualified as an offer according to § 145 BGB, we are entitled to accept this offer within 10 days by sending an order confirmation or to send the ordered goods to the customer within this period. The customer remains bound to his offer within this period.\n- We reserve the right to change the models or the equipment, design or shape changes, unless the delivery item is changed significantly and the changes are reasonable for the customer.\n- We reserve the right of ownership and copyright in illustrations, drawings, calculations and other documents; They may not be made available to third parties without our prior express written consent. This applies in particular to such documents, which are marked as “confidential”\n- 3 Awards and prizes\n- Price changes are permissible if there are more than four months between the conclusion of the contract and the agreed delivery date. Prices are based on the operating seat plus shipping and packaging.\n- We reserve the right to change our prices accordingly if, after conclusion of the contract, cost reductions or cost increases occur, in particular due to collective agreements or material price increases. We will prove this to the customer upon request.\n- If the purchaser is a trader, a legal person of public law or a special public fund, price changes in accordance with the aforementioned rules are permissible if, between the conclusion of the contract and the agreed delivery date, more than six weeks Are.\n- The prices are inclusive. Legal value Added tax.\n- 4 Terms of payment\n- Invoices are payable by COD, unless otherwise agreed.\n- As far as the invoice is delivered, the invoices must be paid within two weeks of receipt of the invoice. If the customer is in default of payment, we are entitled to demand interest on arrears.\n- The provisions of § 288 BGB apply with regard to default interest.\n- Cheques and bills of exchange are only valid after redemption as payment. The acceptance of bills of exchange always requires a prior written agreement with us. When bills of exchange are taken, the bank’s discount and recovery charges are calculated. You are to be paid immediately in cash.\n- The customer is only entitled to set-off rights if his counterclaims are legally determined, undisputed or acknowledged by us. Furthermore, he is entitled to exercise a right of retention insofar as his counterclaim is based on the same contractual relationship.\n- 5 Delivery time, passing of risk\n- The agreed delivery period begins with the dispatch of the order confirmation, but not before the submission of the documents, permits, approvals to be procured by the customer, as well as before receipt of an agreed down payment. In case of subsequent changes or additions of the buyer, the delivery time is appropriately extended.\n- The delivery period is complied with if the readiness for dispatch is notified until its expiry or the delivery item has left the factory.\n- The delivery period is extended to measures in the context of labour disputes, in particular strikes and lockouts as well as to the occurrence of unforeseen obstacles that are beyond our will, e.g. operational disturbances, delays in the delivery of essential Materials to the extent that such obstacles are demonstrably relevant to the delivery of the delivery item. The delivery period is extended according to the duration. Such measures and obstacles. We will inform the customer as soon as possible of the beginning and end of such obstacles in important cases.\n- Partial deliveries are permissible within the delivery deadlines indicated by us, as far as disadvantages for use do not result.\n- 6 Cancellation Fees\n- If the customer withdraws from an order that has been ordered, we can, without prejudice to the possibility of claiming a higher actual damage. Demand 10% of the sales price for the costs incurred by the processing of the order and for loss of profit. The customer is only entitled to proof of a lesser damage.\n- 7 Customer default of acceptance\n- The customer is obligated to accept the delivery item. The customer shall be entitled to check the delivery item within fourteen days of receipt of the provision notice or other notification from the completion of the location. The customer has the obligation to accept the delivery item within the same period, unless he is temporarily prevented from through no fault for acceptance.\n- If the customer is in arrears with the acceptance of the purchase item for more than fourteen days from receipt of the delivery advertisement intentionally or grossly negligently, we are entitled after a further period of fourteen days to withdraw from the contract or Claim compensation for non-performance. It is not necessary to set a grace period if the purchaser seriously or definitively refuses acceptance or is obviously not able to pay the purchase price even within this time.\n- Instead of asserting these rights, we shall be entitled to dispose of the goods in any other way or to supply the customer with an appropriately extended period of time.\n- If the customer declares that he will not accept the delivery item, the risk of accidental loss or accidental deterioration of the delivery item is already transferred to the customer at the time of the refusal.\n- If the dispatch is delayed at the request of the customer, we are entitled, starting one month after the notification of readiness for shipment, the costs incurred by the storage, in the case of bearing arrangements in the business premises at least. However, 1/z% of the invoice amount for each month to charge the customer.\n- 8 Defective material\n- The Verjährungssfrist for material defects is 1 year for newly manufactured items if the buyer is not a consumer. Otherwise the legal limitation period of 2 years applies. In the case of used goods, the period of limitation shall be 1 year if the buyer is a consumer. If the buyer is not a consumer, the sale of used goods takes place excluding any material defects. It begins with the delivery of the goods. To the extent that a defect of the performance object is represented by us, we are entitled at our discretion to rectify the defect or to deliver the replacement. This also applies to used parts that we have revised.\n- The claims for the elimination of defects of the buyer are primarily limited to a supplementary performance claim, i.e. a claim for repair or replacement of the goods. If the buyer is not a consumer, the seller has the right to vote for rectification or replacement delivery. In case of failure of the rectification or replacement delivery, the buyer may demand a reduction or rescind the contract. Subsequent improvement shall be deemed to have failed after the unsuccessful second attempt, unless otherwise determined in particular by the nature of the item or the defect or the other circumstances.\n- The seller shall be liable in accordance with the legal provisions, provided that the purchaser asserts claims for damages which are based on malice, intent or gross negligence, including malice, intent or gross negligence of its representatives or vicarious agents Based. As far as the seller is not charged with intentional or grossly negligent breach of contract, the liability is limited to the foreseeable, typically occurring damage. If the claim for damages is based on culpable failure elimination, it is limited to the corresponding rates of the DAT/Schwacke list with regard to the costs of the construction and removal. In addition, liability for damages is excluded; In this respect, the seller is in particular not liable for damages that have not arisen on the delivery item, unless it is a violation of life, body and/or health.\n- In the event of rectification, the seller is obligated to bear all expenses necessary for the purpose of eliminating defects, in particular transport, route–, Labour and material costs. This shall only apply to non-consumers if the costs are not increased by the fact that the purchased item has been transferred to a place other than that in which it was delivered.\n- The buyer must assert claims for rectification of defects with the seller.\n- In the case of a defect based on faulty assembly instructions, the seller’s obligation to carry out the material is only available if the assembly or installation of the sold item has been carried out by the other expert. The buyer must present and prove the competent implementation.\n- Replaced parts become the property of the seller.\n- 9 Data protection\nThe customer agrees that the seller shall store the data obtained from the business relationship in accordance with the Data Protection Act for his own business purposes.\n- L 0 Retention of title\n- We reserve the ownership of the delivery items until payment.\n- In case of unlawful conduct of the customer, especially in case of late payment, we are entitled to take back after a reminder and the customer is obliged to surrender.\n- The assertion of the retention of title as well as the attachment of the delivered items by us shall not be deemed to be a withdrawal from the contract unless the provisions of the Consumer Credit Act apply or are expressly declared by us in writing.\nIn addition, when used against merchants, a legal person of public law or a special public fund, the following shall also apply:\n- The customer is entitled to resell the delivery items in the ordinary course of business; However, it already assigns to us all claims in the amount of the purchase price agreed between us and the customer (including value added tax) which accrue to the customer from the resale, irrespective of whether the delivered items are sold without or after Processing. The customer is authorized to collect these receivables after their assignment. Our authority to collect the claims itself remains unaffected; However, we undertake not to collect the receivables as long as the customer duly fulfills his payment obligations and is not in arrears with payment. However, if this is the case, we can demand that the customer discloses the assigned subsidies and their debtors, makes all the information necessary for collection, delivers the related documents and gives the Debtors (third parties) the assignment.\n- The processing or transformation of the goods by the customer does not affect the retention of title. If the delivery items are processed with other items not belonging to us, we acquire co-ownership of the new item in the ratio of the value of the delivered items to the other processed items at the time of processing.\n- If the delivery items are inseparably mixed with other objects not belonging to us, we acquire co-ownership of the new item in relation to the value of the delivered items to the other mixed items. The customer keeps the co-ownership for us.\n- The customer may not pledge the delivery items or transfer them for security. In the case of seizures, seizures or other orders by third parties, the customer must inform us immediately and provide us with all information and documents necessary for the protection of our rights. Enforcement officers or a third party shall be instructed on our property.\n- We undertake to release the securities to which we are entitled to the extent that the value of the receivables to be secured, if they have not yet been settled, exceeds 20%.\n- 11 Car and Sports Accessories\n- Car and sports accessories are subject to TÜV approval when used in road traffic. The customer shall ensure that all changes and modifications to the vehicles participating in public road transport are registered in the vehicle documents according to the legal regulations. We do not assume any liability for the TÜV acceptance of our articles, including those which have a TÜV certificate. To the extent that the TÜV acceptance is not carried out due to a defect in the acquired object, the warranty rules shall apply pursuant to § 7.\n- 12 Legal venue\n- For all disputes arising out of the contractual relationship, if the customer is a full trader, a legal entity of public law or a public-law special Fund, the claim must be brought to the court which is responsible for our head office Responsible. We are also entitled to sue at the customer’s headquarters.\n- German law applies exclusively to the exclusion of laws on the international purchase of movable property, even if the customer has his registered office abroad.\n- 13 Other Items\n- Transfers of rights and obligations of the customer from the contract concluded with us require our written consent for their effectiveness.\n- Should a provision be or become null and void, the validity of the other provisions shall remain unaffected.", "domain": "economics"}
+{"url": "http://malaysiatravelnews.com/perlis-to-develop-tourism-sector/", "date": "2016-12-06T05:44:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-50/segments/1480698541883.3/warc/CC-MAIN-20161202170901-00502-ip-10-31-129-80.ec2.internal.warc.gz", "language_score": 0.9712841510772705, "token_count": 748, "dump": "CC-MAIN-2016-50", "global_id": "webtext-fineweb__CC-MAIN-2016-50__0__14674720", "lang": "en", "text": "Perlis To Develop Tourism Sector\nPerlis, a small state in northern Peninsular Malaysia, intends to develop and enhance its tourism sector in an effort to attract tourists to make the state as a stopover location. Even though Perlis records about 2.5 million tourists annually, most of them only pass through the state in order to continue their journey to Langkawi, Kuala Lumpur or Singapore.\nTowards this end, Menteri Besar Azlan Man said Perlis planned to create attractions so that transit tourists stop over for visits before continuing their journey to their destinations. “The state government plans to create tourism products to encourage tourists to participate in at least a two-night programme here,” he said to Bernama in an exclusive interview here.\nHe said Perlis has 22 kilometres of coastline and borders its neighbour, Thailand, and there were many economic activities that could be developed, including water theme park. Besides that, the state will also make use of the Timah Tasoh Dam by increasing its water level by 2.5 metres in order to create various environmentally-friendly recreational centres such as jet ski outlet.\nAzlan said the state government would also reintroduce its Snake, Reptile and Bird Park in Batu Pahat to tourists by improving it with the different types of animals and upgrade it into a mini safari.\n“Accordingly, Perlis needs more hotels of three-star, four-star or five-star, where investors who come here to invest in this sector can own 100 per cent ownership in terms of equity. This is one of the incentives offered to them,” said the menteri besar. According to him, the number of rooms available in the state currently was less than 1,000 and Perlis was targeting to increase this to 1,500 hotel rooms around Arau and Kangar in one-year period.\nThe development of the tourism sector is included in the state’s strategic plan, Perlis 2012-2030, to draw RM34.5 billion in investment value into the state. “On average, Perlis targets an investment value of RM2 billion and this is the minimum estimate that needs to be achieved. Last year, Perlis did not have a huge investment inflow, but this year, through the Northern Corridor Economic Region (NCER), we have obtained a project worth RM70.8 million,” he said.\nAzlan said the state would also receive a project of more than RM40 million to expand its high-speed broadband (HSBB) network and cooperating with Felda Global Ventures Holdings Bhd (FGV) to build an environmentally-friendly rubber factory in Chuping, which also involved an investment of RM40 million. In the few months under his leadership, Azlan said the state government had brought in investments totalling RM150 million.\nOn increasing the number of houses to meet the demand from residents in the state, Azlan said Perlis also planned to provide 2,000 housing units under 1Malaysia Housing Scheme (PR1MA), and the locations have been identified. “We are also planning to build 1,000 units of medium-cost houses through a cooperation with the private sector. It will also build high-end houses such as bungalows, semi-detached and terrace houses.\n“We are aware that economic development is accompanied by increase in housing units to meet the demand by residents, not only for those already living in the state but also for those who come to reside here, whether they are involved in economic activities or those who are working here,” he added. Source.", "domain": "economics"}
+{"url": "https://macarthur.tulsaschools.org/about-us/news/post/~board/district-news/post/howdy-burger-presents-check-to-strong-tomorrows", "date": "2021-01-19T11:01:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703518240.40/warc/CC-MAIN-20210119103923-20210119133923-00759.warc.gz", "language_score": 0.9522950649261475, "token_count": 281, "dump": "CC-MAIN-2021-04", "global_id": "webtext-fineweb__CC-MAIN-2021-04__0__17966839", "lang": "en", "text": "Strong Tomorrows now has more resources to help expectant and parenting students thanks to a local restaurant’s generosity.\nHowdy Burger, one of Mother Road Market’s eateries, selects a charity each month, creates a new burger, and donates 25% of each one sold to that charity. Strong Tomorrows was drawn as the December recipient, and the check General Manager Steve Gleeson presented to them in January was the biggest one yet.\n“It’s fantastic to give back to TPS,” he said.\nStrong Tomorrows works to improve attendance and graduation rates for students in the program by teaching them how to balance their parental responsibilities with their schoolwork and providing childcare. The program also offers information and guidance on prenatal care, parenting, finances, and building healthy family relationships.\nWith good grades, behavior, attendance, and program participation, students can earn points that they can cash in for the supplies they need for their child. The $1,100 provided by Howdy Burger will allow Strong Tomorrows to purchase additional inventory.\n“Extra money is always so helpful for items we don’t have that they need, especially to get them through the summer,” said Colleen Fox, the Strong Tomorrows case manager at Memorial High School and Rogers High School.\nFor more information on Strong Tomorrows, click here.", "domain": "economics"}
+{"url": "https://kyle-tx.waterstonemortgage.com/PaymentAmortization.html", "date": "2019-10-15T16:14:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986660067.26/warc/CC-MAIN-20191015155056-20191015182556-00210.warc.gz", "language_score": 0.9452411532402039, "token_count": 457, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__115992632", "lang": "en", "text": "In a nutshell, our Amortization Calculator helps you determine what you will pay - and when - for your mortgage loan.\nThis simple loan calculator allows you to enter the loan amount, interest rate, and loan term, and shows you the estimated monthly payment and total interest to be paid over the length of the loan (fixed-rate or adjustable rate). You can use the Amortization Calculator to create a printable table for your loan - simply fill in the fields below and click \"Calculate.\"\nCalculate your monthly payment for fixed rate or adjustable rate loans.\nAmortization is \"the systematic repayment of a debt.\" The emphasis is on the word \"systematic.\" Amortizing a mortgage loan means paying it down, bit by bit. Usually, this means making regular monthly payments. Pretty straightforward, right?\nThe great advantage of utilizing an Amortization Calculator while searching for a home loan is you will know how much you must pay each month, under a specific interest rate, and get an idea of when you will finish paying off the loan.\nWhen you take out a mortgage, you make a monthly payment to the lender, and that is an amortization payment. A part of the payment covers the interest due on the loan, and the remainder of the payment goes to reduce the principal amount owed. Interest is computed on the current amount owed and will become progressively smaller as the principal is decreased.\nIn the beginning, you will be making large interest payments and small payments to the principal. As time goes on, you will reduce the principal to the point you don't have much to pay in interest, and so your payment covers mostly the principal.\nThe loan terms (APR and Payment examples) shown above do not include amounts for taxes or insurance premiums. Your monthly payment amount will be greater if taxes and insurance premiums are included.\nReady to buy a new home? Find a mortgage loan professional in your area for a free consultation.This calculator is for informational purposes only. Results are an approximation based on the information you enter. Please speak with a Waterstone Mortgage loan professional for specific information and current market conditions. Your monthly payment amount will be higher if an escrow account is established for taxes and insurance premiums.", "domain": "economics"}
+{"url": "https://my.mdrt.org/ProductCatalog/Product.aspx?ID=7450", "date": "2021-10-25T06:37:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323587655.10/warc/CC-MAIN-20211025061300-20211025091300-00395.warc.gz", "language_score": 0.9398072361946106, "token_count": 229, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__52347834", "lang": "en", "text": "Stephen Kagawa, FSS, LUTCF\nThe dynamic between financial advisors and those we advise\nAs advisors, we want open and honest relationships with our\nclients. We also want a sense of purpose in our work that comes from serving,\nnot selling. Yet somehow, serving others turns into pushing products that drive\nprofits. Left unchecked, this tension forces us to become salespeople and\ndestroys the trust we’ve built with our clients.\nThere must be a way\nadvisors can do good and do well…right?\nThere is, and in Aloha\nFinancial Advising, Stephen Kagawa shares the better approach to advising\nyou’ve been seeking. Drawing on personal experience, Stephen shows you how to\nshift your focus away from products and services and back to those you serve.\nWhether you are new to the industry or a twenty-year veteran, the new set of\npriorities laid out in this book will help you deal with the pressure to sell,\navoid going astray to chase money, and create the alignment with clients you\nhave been missing.", "domain": "economics"}
+{"url": "http://whathappenswhenyoufileach73678.blogocial.com/Detailed-Notes-on-Cheap-Bankruptcy-Attorney-Orlean-VA-12235706", "date": "2018-10-22T19:06:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583515375.86/warc/CC-MAIN-20181022180558-20181022202058-00184.warc.gz", "language_score": 0.9546862840652466, "token_count": 926, "dump": "CC-MAIN-2018-43", "global_id": "webtext-fineweb__CC-MAIN-2018-43__0__64246349", "lang": "en", "text": "When Filing Chapter 11 Bankruptcy Isn't The Best Financial Obligation Option in Hume VA\nLearn just how Chapter 7 liquidation works, whether you could pass the eligibility \"suggests examination,\" exactly what occurs to your home and also car in Chapter 7, which debts will be released by Chapter 7 insolvency, and also much more. A Chapter 13 insolvency entails settling some of your debts to have actually the rest forgiven. It is essential to comprehend that while insolvency is a chance to begin again, it most definitely influences your credit rating as well as future ability to make use of money. Bankruptcy is a legal process created to put a stop to collection calls as well as wipe out debt forever in Hume VA\nThe possibility of a borrower filing for insolvency will encourage some creditors to consent to reduce the regular monthly settlement, develop a lasting repayment plan, or lower the interest rate or the financial obligation. For something, you could not understand government or state personal bankruptcy legislations or understand which laws apply to your instance, specifically regarding exactly what financial obligations can or cannot be discharged.\nWe have the capability in order to help you with credit report counseling choices and can assist you purge your debt load with insolvency. Check out options to Chapter 7 or Chapter 13 bankruptcy before you submit. Chapter 11 is often referred to as reorganization bankruptcy\" because it offers companies a possibility to stay open while they restructure the business' debts and also possessions so it can pay back creditors.\nIf you are struggling to repay overdue financial debts and also being bugged by collection agencies, a bankruptcy lawyer can help. Nonetheless, it might be feasible to transform your chapter 13 right into a phase 7 insolvency, if you are not successful. Your insolvency lawyer can help you prevent foreclosure, quit vehicle foreclosure, eliminate medical costs, and also discharge bank card financial obligation.\nSuch debtors should take into consideration filing a request under chapter 11 of the Insolvency Code Under phase 11, the debtor does not prevent personal bankruptcy but could seek a modification of debts. As well as, if you do, you might be able to generate an end result that could be far more positive compared to a Chapter 13 insolvency. We understand that declare personal bankruptcy could feel like a difficult procedure when you're bewildered with financial obligation-- especially if you're handling a wage garnishment, a pending suit, or a home foreclosure.\nDeclaring personal bankruptcy can enable you to get a fresh monetary beginning. The majority of people who file for insolvency pick either a Phase 7 or Chapter 13 case. When you state personal bankruptcy, your co-signer still might be lawfully bound to pay all or component of your lending. Still, because of the long-lasting effects of bankruptcy, some specialists believe it's most useful when you have more than $15,000 in debts.\nYour credit card business will choose whether you can maintain your credit card after your insolvency. If you haven't done so at this point, this might be where you realize you need to find an insolvency legal representative Legal counsel is not a need for people applying for either Chapter 7 or Chapter 13 insolvency, yet you are taking a major danger if you choose to represent yourself.\nThe new bankruptcy legislation requires credit counseling before bankruptcy filings anyway so it's worth it to highly consider credit therapy as an insolvency option. The American Personal Bankruptcy Institute (ABI) did a study of PACER stats (public court records) from 2016 as well important source as discovered that 95.5% of the 499,909 Phase 7 personal bankruptcy instances decided that year were discharged, implying the individual was no longer legally required to pay the debt.\nTo read more regarding insolvency as well as various other debt-relief alternatives, consult from a regional debt therapist or check out the Federal Profession Payment's informative pages. The people as well as company who apply for insolvency have much more financial obligations compared to cash to cover them and don't see that changing anytime soon.\nThroughout this time, a personal bankruptcy discharge might stop you from acquiring brand-new lines of credit as well as may even create problems when you look for jobs. The majority of individuals submitting insolvency were not specifically wealthy. Our insolvency lawyers could aid you to explore non-bankruptcy options to assist you discover the financial debt alleviation service that is finest for you in Rectortown VA\n12801 Darby Brook Ct #201\nWoodbridge, VA 22192", "domain": "economics"}
+{"url": "http://salikgroupservices.com/is-mining-cryptocurrency-profitable/", "date": "2019-04-23T12:36:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578602767.67/warc/CC-MAIN-20190423114901-20190423140901-00366.warc.gz", "language_score": 0.9176431894302368, "token_count": 1626, "dump": "CC-MAIN-2019-18", "global_id": "webtext-fineweb__CC-MAIN-2019-18__0__202711079", "lang": "en", "text": "With everyone interested in crypto currency, we will examine the issues of profitability in relation to mining cryptocurrency.\nThe idea of mining is the foundation of a cryptocurrency because it entails the way new cryptocurrencies are produced. The value of a cryptocurrency increase as more and more people invest in mining it since the amount of cryptocurrencies that will ever be produced is finite (Goleman, 2018). Nevertheless, as more cryptocurrencies enter into circulation, it becomes challenging and requires extensive time to mine them, which makes them less profitable.\nAccording to DeMartino (2016) mining cryptocurrency was initially considered as very profitable without any substantial investment. However, this has changed and today mining cryptocurrency is considered as the least profitable way to obtain and invest in cryptocurrencies. It is now an arms race with people now being forced to use designated chips or application-specific integrated circuits for mining purposes. These chips are expensive, which means that ordinary people with standard computers cannot gain from mining (Davidson, 2013). While practically any person can mine, it is unlikely to earn any profits even if an advanced computer is used because of the substantial amount of electricity consumed and possible damages to the computer due to overworking.\nDue to the arms race, mining today requires a substantial investment if one hopes to earn any profits. According to Norman (2017), mining cryptocurrencies requires a tolerance for risk because one must first invest in the required equipment. Even if a person has the means to invest in the required hardware and software, the hope of earning any profits is negligible. The hope of profits further reduces when factors such as mishaps in the type of the hardware used, connectivity problems and power are included (DeMartino, 2016). The required investment to earn a profit from mining increases as the complexity of the block chain increases.\nAccording to IntroBooks (2018), mining cryptocurrencies with a personal computer is no longer profitable because of its limited computational abilities. The expenses required to operate a personal computer for 24 hours including the cost of the consumed electricity is more than the created cryptocurrency through mining, which makes mining less profitable (Viilup, 2015). One way of investing to earn a profit is to acquire dedicated hardware and software to ensure fast hash function solving to yield a cryptocurrency coin. Luntovskyy and Spillner (2017, p.71) state that the value of a cryptocurrency coin created after solving a hash function relies on market dynamics, trust and perception. Earlier, there was a steady growth of profits, which was followed by an unpredictable growth (Narayanan, Bonneau, Felten, Miller and Goldfeder, 2016). The unpredictable growth was caused by the increasing cost of production for mining because of the blockchain nature that needs more hardware resources for each succeeding solution. The investment required to mine is not repaid through a possible gain from the cryptocurrency coins based on energy reasons (O’Dwyer & Malone, 2014). Nevertheless, many of the difficulties with mining are related with Bitcoin (IntroBooks, 2018). Currently, other cryptocurrencies have emerged that are not complex to mine with most of them designed to solve the challenges that people experienced with Bitcoin mining. Examples include Bytecoin, Litecoin, and Ethereum. However, to be profitable, miners must first acquire the latest tools that offer a high hash rate per unit cost (Ren, 2014). Manufacturers of mining equipment possess a strong financial incentive to use the tools they produce to mine first and ship to the user only after the profitability of mining reduces. In turn, this reduces the profits that actual users of the equipment can earn (Ren, 2014).\nWhile there are many cryptocurrencies today, the same principles of production as applied to bitcoin are still used. For example, the main determinant of profits is the relative cost of producing a cryptocurrency through mining and electricity is the primary production cost. Other factors that affect the profitability of mining include the competition level that the network of producers present, the complexity of algorithms used to mine a cryptocurrency and the rate of unit production (Hayes, 2017). Variations exist for different cryptocurrencies regarding factors required to mine them with the newest cryptocurrencies being more profitable than Bitcoin. However, the fear of the entry of more advanced hardware threatens the profits of this new cryptocurrencies because the difficulty of their algorithm will also grow (Ren, 2014). Ren (2014) argues that mining can be profitable only if the mining operation is left to specialists with the required domain knowledge to achieve economy of scale, particularly for established cryptocurrencies like Bitcoin.\nRen (2014) states that miners can only make profits at a fixed cost if they mine the most profitable and less complex cryptocurrency and trade it fast to avoid being exposed to price risks, which can only occur through pooling together (Salimitari, Chatterjee, Yuksel, & Pasiliao, 2017). However, this creates problems, for instance, cryptocurrency prices may suffer due to a downward spiral as the cost of mining reduces due to advances in technology. Another issue is that since miners select cryptocurrencies with low complexity and mine it until it becomes more complex, this can compel cryptocurrencies to deal with immediate interests instead of dealing with lasting development and improvement (Ren, 2014).\nIt is challenging to earn profits from mining, especially for established cryptocurrencies like Bitcoin. Miners can still make profits from other cryptocurrencies even though they must first invest in the right equipment and focus on the most profitable and less complex cryptocurrency.\nDavidson, J. (2013). The Digital Coin Revolution-Crypto Currency-How to Make Money Online (Vol. 10). JD-Biz Corp Publishing.\nDeMartino, I. (2016). The Bitcoin Guidebook: How to Obtain, Invest, and Spend the World’s First Decentralized Cryptocurrency. Skyhorse Publishing, Inc..\nGoleman, T. (2018). Cryptocurrency: Mining, Investing and Trading in Blockchain for Beginners. How to Buy Cryptocurrencies (Bitcoin, Ethereum, Ripple, Litecoin or Dash) and what wallet to use. Crypto currency investment strategies. Zen Mastery.\nHayes, A. S. (2017). Cryptocurrency value formation: An empirical study leading to a cost of production model for valuing bitcoin. Telematics and Informatics, 34(7), 1308-1321.\nIntroBooks. (2018). Cryptocurrency Investment Crash Course. IntroBooks.\nLuntovskyy, A., & Spillner, J. (2017). Architectural Transformations in Network Services and Distributed Systems. Springer Vieweg.\nNarayanan, A., Bonneau, J., Felten, E., Miller, A., & Goldfeder, S. (2016). Bitcoin and Cryptocurrency Technologies: A Comprehensive Introduction. Princeton University Press.\nNorman, A. T. (2017). Cryptocurrency mining guide: The ultimate guide to understanding Bitcoin, Ethereum, Litecoin, Monero, Zcash mining technologies. Maxim Demura via PublishDrive.\nO’Dwyer, K. J., & Malone, D. (2014). Bitcoin Mining and its Energy Footprint. 25th IET Irish Signals & Systems Conference 2014 and 2014 China-Ireland International Conference on Information and Communications Technologies (ISSC 2014/CIICT 2014), (pp. 280- 285).\nRen, L. (2014). Proof of stake velocity: Building the social currency of the digital age. Self- published white paper.\nSalimitari, M., Chatterjee, M., Yuksel, M., & Pasiliao, E. (2017, October). Profit Maximization for Bitcoin Pool Mining: A Prospect Theoretic Approach. In 2017 IEEE 3rd International Conference on Collaboration and Internet Computing (CIC)(pp. 267-274). IEEE.\nViilup, K. (2015). Profitability from Mining Bitcoins: Should You Still Enter the Bitcoin Mining Competition? Long-term Simulation Analysis of the Profitability for a Single Miner(Doctoral dissertation, Tartu Ülikool).", "domain": "economics"}
+{"url": "https://www.cravenfawcett.co.uk/news/craven-fawcett-secures-major-new-order-with-ibstock-plc", "date": "2024-04-12T15:47:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816024.45/warc/CC-MAIN-20240412132154-20240412162154-00171.warc.gz", "language_score": 0.9465476274490356, "token_count": 845, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__142954018", "lang": "en", "text": "Craven Fawcett, one of Europe’s leading manufacturers of clay preparation and extrusion machinery and part of Group Rhodes, has won a major new contract to supply the first net zero brick facility in the UK.\nThe multi million pound project will see Craven Fawcett design, build, and manufacture a fully integrated state-of-the-art clay preparation and extrusion line at Ibstock’s Atlas site in the West Midlands. The news follows Ibstock plc’s announcement of £60m investment in its Atlas and Aldridge plants, which will collectively deliver an additional 115 million brick capacity per annum.\nAndrew Craddock, Engineering and Manufacturing Development Director at Ibstock Brick, said: “As a supplier to Ibstock for many years, we are aware of the capabilities of Craven Fawcett in designing and building new production lines to meet our exacting requirements. This is an important undertaking and we are pleased to be working with a UK partner that not only has the expertise in clay preparation and extrusion technology, but also understands Ibstock’s holistic approach to its corporate business sustainability strategy”\nMark Ridgway OBE DL, CEO of Group Rhodes, said: “We are delighted to be working with Ibstock on this exciting project which has great product design and UK manufacturing at its heart. As a business, we are committed to good environmental practices and are pleased to be able to support projects where improved sustainability is a critical outcome. Goods will be sourced with low environmental impact, and we will be working with local suppliers wherever possible”.\nAs well as being a major capital project win for the company, Craven Fawcett is geographically well placed to supply Ibstock’s new facility in the West Midlands with the necessary aftermarket support. Craven Fawcett also finances consignment stocks throughout the UK and overseas to ensure customers have quick access to critical spare parts when required.\nGlynn Dixon, Contracts Manager at Craven Fawcett, explains: “Ibstock has been a highly valued customer of Craven Fawcett for almost 40 years. We are naturally very pleased with this major new contract win and are looking forward to designing and building this bespoke cut clay brick line to further enhance Ibstock’s strong market position.”\nOver the coming months, Craven Fawcett will be recruiting additional design and engineering staff to service this and other recent contract wins. It is also expected that Craven Fawcett’s sister company, Hallamshire Engineering Services will be supplying conveyor drums and rollers to the project. The Ibstock contract is expected to take approximately 24 months through to final commissioning.\nCraven Fawcett has supplied extruders and other machinery to the brick and clay pipe manufacturing industry for over 175 years and is at the forefront of technology in the field of clay preparation and extrusion. The company manufactures a range of special equipment including Box Feeders, Grinding Mills, Roller Mills, Mixers and Extruders. The equipment is sold globally into the heavy clay and ceramics industry, and also into the mining, quarrying and environmental sectors.\nAlongside high-quality Original Equipment Manufacturer (OEM) products and services, Craven Fawcett offers guidance on material selection, component finish and supply of spare parts in order to optimise production efficiency and reduce the frequency of machinery repair. This is backed by a team of highly trained and experienced service engineers dedicated to clay preparation and extrusion machinery, who can repair and maintain Craven Fawcett equipment both on and off site.\nIbstock plc history spans over 200 years and is a leading UK manufacturer of clay bricks and a diversified range of clay and concrete products. The Group's clay division is the leading manufacturer by volume of clay bricks sold in the United Kingdom. With 16 manufacturing sites Ibstock Brick has the largest brick production capacity in the United Kingdom. It operates a network of 18 active quarries located close to its manufacturing plants.\nFor more information on the Group visit https://www.ibstockplc.co.uk", "domain": "economics"}
+{"url": "https://www.wolvas.org.uk/membership/", "date": "2022-01-23T05:06:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320304134.13/warc/CC-MAIN-20220123045449-20220123075449-00077.warc.gz", "language_score": 0.9761423468589783, "token_count": 222, "dump": "CC-MAIN-2022-05", "global_id": "webtext-fineweb__CC-MAIN-2022-05__0__211963517", "lang": "en", "text": "2021/22 Season Membership rates\nFollowing the decision to keep all regular talks as online events this season, we are able to offer the following bargain rate for annual membership for everyone.\nThe season runs from September 2021 to August 2022.\n2021/22 membership: £10\nThis covers all 16 scheduled talks, as well as any additional events we hold during the season (we are investigating the possibility of holding socially distanced physical gatherings including observing evenings, as well as extra online talks and informal social meetings).\nHow to join\nThe membership process has had to change this year, but we have adapted and tried to make it as simple as possible to join:\n- Complete the online membership application form\n- Pay your £10 membership fee by making a bank transfer. The details of how to make the payment will be sent to you by email.\nIf you are unable to make a payment by bank transfer, please contact email@example.com to discuss alternative payment methods available.\n- We will send you an email when the payment is complete to confirm your membership.", "domain": "economics"}
+{"url": "https://jp.mathworks.com/matlabcentral/fileexchange/42093-realtime-trading-with-matlab-and-ib-presentation-files?s_tid=srchtitle", "date": "2024-04-19T00:57:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817249.26/warc/CC-MAIN-20240418222029-20240419012029-00210.warc.gz", "language_score": 0.8139234185218811, "token_count": 604, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__112173778", "lang": "en", "text": "These are the files used for my presentation \"Realtime Trading with MATLAB\", at the MATLAB Computational Finance Conference in New York on May 23, 2013, and updated for the MATLAB Computational Finance Virtual Conference on September 19, 2013.\nThis presentation demonstrates an end-to-end demo trading system in Matlab, highlighting its potential as a platform of choice. Interactive Brokers is used to demonstrate live market data feed and account/portfolio input, as well as for sending trading orders to the market.\nThe presentation explains why InteractiveBrokers (IB) is an excellent choice for algo-traders, and describes various methods by which MATLAB can connect to IB.\nThe presentation also discusses a skeleton trading platform implementation in Matlab. A simple variant of such a system is included here (with source code) as the trading demo.\nThe demo's user interface showcases the hidden visualization and interactivity potential of Matlab for tracking order executions and charting financial time-series in real time.\nSee description and the latest version in http://UndocumentedMatlab.com/ib-matlab/real-time-trading-system-demo\nNote: the code included in this File Exchange submission is the one from 2013. To get the latest code (compatible up to R2019a or newer), visit the above webpage.\nVideo recording: http://www.youtube.com/watch?v=e4bdKcFl4GA\nThis FEX submission includes:\n* presentation slides (PDF)\n* demo screenshot\n* tradingDemo.m - main demo application\n* uisplitpane.m - this is FEX utility 23073 (see link below)\n* findjobj.m - this is FEX utility 14317 (see link below)\n* a couple of logo images\nNote: This submission does NOT include the IB-Matlab connector that is required to run the demo - you can get this connector at http://UndocumentedMatlab.com/IB-Matlab\nReaders/users are welcome to contact me for additional details/explanations: altmany (at) gmail (dot) com\nYair Altman (2024). Realtime trading with Matlab and IB presentation files (https://www.mathworks.com/matlabcentral/fileexchange/42093-realtime-trading-with-matlab-and-ib-presentation-files), MATLAB Central File Exchange. 取得済み .\nプラットフォームの互換性Windows macOS Linux\nCommunity Treasure Hunt\nFind the treasures in MATLAB Central and discover how the community can help you!Start Hunting!", "domain": "economics"}
+{"url": "https://talis-elements.com/pages/faqs", "date": "2021-09-19T16:42:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780056892.13/warc/CC-MAIN-20210919160038-20210919190038-00041.warc.gz", "language_score": 0.9269388914108276, "token_count": 390, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__70440321", "lang": "en", "text": "When will my order arrive?\nAll pieces that are in stock will be mailed within 24 hours of you placing the purchase.\nFor any pieces out of stock you will receive our email with the timeline for delivery as all of our product are handcrafted. It will take from 10-14 business days to produce out of stock pieces excluding shipping timeframes.\nWe are happy to accommodate our customers with the pieces made to order – please Contact Us directly for the custom order. The processing time is the same as for products out of stock.\nWe are able to expedite timelines for products that areout of stock or custom-made on a case-by-case basis. A 10% charge of the total order willbe added to your invoice in order to cover a rush procurement of materials and/or to moving your order up in the production schedule. Please Contact Us directly to discuss your needs and to get an estimate for lead time and shipping rates.\nDo you provide gift wrapping?\nAll Talis Element jewelry is beautifully packaged in handmade wooden boxes, produced by artisans in Bosnia. All Packages are gift-wrapped and some of the pieces come with a printed brochure about the story associated with your purchase. For additional details please refer to Free Gift Wrapping\nWhat forms of payment do you accept?\nWe accept all major credit cards, PayPal and Amazon Payments.\nWill I have to pay sales tax?\nAll NY retail customers are subject to NY state and city sales tax. For all other domestic purchases, the sales tax laws have been recently changed, so if sales tax is required, our website will automatically calculate the amount and add it to your total.\nHow should I care for my jewelry?\nPlease see our jewelry care guidelines Jewelry Care\nDo you accommodate wholesale pricing for the stores?\nYes, please email us at email@example.com for wholesale line sheets and further information.", "domain": "economics"}
+{"url": "http://www.bluegrasstank.com/leasing.htm", "date": "2018-11-13T01:30:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039741176.4/warc/CC-MAIN-20181113000225-20181113021720-00028.warc.gz", "language_score": 0.9175366163253784, "token_count": 177, "dump": "CC-MAIN-2018-47", "global_id": "webtext-fineweb__CC-MAIN-2018-47__0__52589235", "lang": "en", "text": "T. Davis Sales, an affiliate of Bluegrass Tank and Equipment, specializes in sales and rental of transport tanks, trucks and trailers, T. Davis Sales specializes in the sales of food grade liquid transport tanks and material hauling trailers. Time Leasing, a subsidiary of T. Davis Sales, offers commercial rental options for qualifying customers in all 48 contiguous states.\nTime Leasing is a short- and long-term full-service rental company whose principle purpose is to provide prompt service, competitive rates, and a wide variety of flexible financing programs for your business to finance both new and used equipment. Through these subsidiaries, T. Davis Sales / Time Leasing can sell, finance and approve a rental credit line for your business in advance, so you can operate with the confidence of \"money in your pocket\" when you need to put your equipment into operation.\nWhy You Should Rent", "domain": "economics"}
+{"url": "https://frescocooks.com/blog/fresco-chief-operating-officer-will-deines", "date": "2022-12-03T22:36:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710941.43/warc/CC-MAIN-20221203212026-20221204002026-00691.warc.gz", "language_score": 0.9624708890914917, "token_count": 306, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__182040527", "lang": "en", "text": "We are delighted to welcome Will Deines as Chief Operating Officer (COO) to Fresco. In this newly formed role, Will is charged with overseeing global operations, corporate functions, and international partnerships in our offices across Europe and the United States.\nWill joins Fresco after 11 years of operational and sales experience at SimpliSafe, where he was hired as the company’s third employee. While the company doubled revenue every 9 months for the first five years, Will served as the operations executive leader, delivering industry-leading retention and customer loyalty.\nDuring his time there, Will also launched their international subsidiary in the U.K., which is now recognized as one of the top three alarm companies in the market. Before leaving SimpliSafe, Deines built a robust team of 1,000 staff members across supply chain, customer experience, and customer marketing, and managed recurring customer revenues of nearly $400M.\nIn January 2022, he founded Garrio, a full-stack platform that empowers businesses to deliver incredible customer experience.\nWe're excited for Will to bring this entrepreneurial vision and operations excellence to the Fresco team.\n\"Will was a trusted leader during critical growth phases for SimpliSafe and has a keen eye for executing against an entrepreneurial vision. His experience of scaling operations and business development make him the perfect partner for me in our journey to getting 10 million users and beyond cooking daily on the Fresco platform,” said Ben Harris, CEO and co-founder of Fresco.", "domain": "economics"}
+{"url": "http://market-values.thebusinessdownload.com/sec-chair-ask-staff-to-create-esg-disclosure-rules-by-year-end/", "date": "2023-11-29T06:27:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100056.38/warc/CC-MAIN-20231129041834-20231129071834-00457.warc.gz", "language_score": 0.9638933539390564, "token_count": 907, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__175944965", "lang": "en", "text": "Gary Gensler, chair of the U.S. Securities and Exchange Commission, has tasked his staff to come up with specific disclosure and transparency rules by the end of this year for companies and funds that call themselves “green”, “sustainable”, or “low-carbon.”\nThis is especially good news for investors, as it will allow for consistent and homogenous reporting of environmental, social, and governance (ESG) initiatives, risks, and action plans by public companies, ETFs, and mutual funds.\n“So what does the SEC have to do with climate?” asked Gensler in a recent speech before the Principles for Responsible Investment (PRI). “When it comes to climate risk disclosures, investors are raising their hands and asking regulators for more.”\nHe cited how various public disclosures have been enacted across the financial markets since the Great Depression. First, there were disclosures around the firms’ financial performance. Then came investor requests for knowing more about company management. Later yet, investors wanted to understand how executives were being paid.\n“The basic bargain is this: investors get to decide what risks they wish to take. Companies that are raising money from the public have an obligation to share information with investors on a regular basis,” he said. “Over the decades, there’s been debate about disclosure on things that, today, we consider pretty essential for shareholders.”\nGensler said that today’s large and small investors, representing trillions of dollars, want to see information about climate risks of companies to make informed buy, sell, or voting decisions. And they need comparable and decision-useful reporting to help them with those decisions.\nAs such, he has requested SEC staff to come up with several key metrics and reporting standards for public companies. Qualitative disclosures would focus on how leadership and the company’s strategy address climate risks. Quantitative metrics would include greenhouse gas emissions, financial impacts of climate change, and progress toward set goals.\n“For example, some companies currently provide voluntary disclosures related to what’s called Scope 1 and Scope 2 greenhouse gas emissions. These refer, respectively, to the emissions from a company’s operations and use of electricity and similar resources,” he explained. “Many investors, though, are looking for information beyond Scope 1 and Scope 2, to Scope 3, which measures the greenhouse gas emissions of other companies in an issuer’s value chain.”\nTo address this, Gensler asked staff to come up with how and under what circumstances a firm would disclose Scope 1, 2, and 3 emissions. In addition, they would need to review whether certain metrics apply to specific industries.\nFinally, the staff should also consider the question of companies providing scenario analyses on how they would handle legal, physical, economic, and market challenges in the future.\n“Today, though, companies could announce plans to be “net-zero” but not provide any information that stands behind that claim,” he said. “For example, do they mean net-zero with respect to Scope 1, Scope 2, or Scope 3 emissions?”\nIn addition, he will address the funds’ claim of “green”, “sustainable”, or “low-carbon” and what information really supports those claims.\n“The basic idea is truth in advertising,” he noted. “When it comes to sustainability-related investing, though, there’s currently a huge range of what asset managers might mean by certain terms or what criteria they use.”\nAccording to a US SIF study, there were more than 800 registered investment companies that represented this sector last year, amounting to over $3 trillion in ESG assets.\n“Which data and criteria are asset managers using to ensure they’re meeting investors’ targets — the people to whom they’ve marketed themselves as “sustainable” or “green”? he said. “I think investors should be able to drill down to see what’s under the hood of these funds.”Gary Gensler, SEC chair, asked his staff to develop specific ESG-related disclosure and transparency rules by the end of this year. Read more on Market Values.", "domain": "economics"}
+{"url": "https://wy-loan.com/city/cody/bad-credit-loans", "date": "2021-10-25T20:59:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323587767.18/warc/CC-MAIN-20211025185311-20211025215311-00034.warc.gz", "language_score": 0.959418535232544, "token_count": 788, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__238677105", "lang": "en", "text": "WY-loan provides access to the top bad credit loans readily available in Cody Wyoming. Compare and contrast loan providers, inspect reviews on lenders, and get connected to financing choices simply with WY-loan. We are here to help the people of Cody WY get the financing they deserve.\nFair credit: 580 to 669.\nPoor credit: 300 to 579.\nPayment history (35 percent).\nAmounts owed (30 percent).\nLength of credit history (15 percent).\nNew credit (10 percent).\nCredit mix (10 percent).\nIf you overlook any of these components in your personal finances, your credit rating will decline. For example, continuously making payments late or not making them at all will probably have a significant influence on your score due to the fact that your payment record makes up 35% of your credit score. Things like personal bankruptcies, foreclosures, and high quantities of debt relative to your income might also cause a poor credit rating.\nDue to the fact that payment history and duration of credit history can compose 50% of your credit report, individuals with very little or no credit history might find themselves with a lower credit report as a result of their scarcity of credit history. Consumers with little or no credit history may realize it is much simpler to improve their credit report in contrast to individuals with a wrecked credit rating.\nDetermine your credit rating. Know where your credit actively stands by getting a complimentary credit report. You are by law authorized to at least one complimentary credit report annually from each of the credit reporting agencies. Have a look at your credit rating, find out where it is hurting, and make note of what you should do in the future to raise your credit rating.\nInclude prospective loans into your regular monthly spending plan. Assess your cash flow and plan to make sure that you can sustain an additional monthly loan expense. You can utilize our loan calculator to find out estimated month-to-month payments, which you can then add to your budget to determine if you can pay for the regular monthly payment.\nStudy your options. Analyze personal loans for bad credit online, ensure you look at the small print, and seek out independent testimonials about lenders.\nprequalify to discover your loan opportunities. Ahead of getting a loan online, various online lender marketplaces permit you to examine whether you will qualify with numerous loan providers without doing a hard credit pull. This is a terrific way to shop around for a bad credit loan without impacting your credit rating further. We provide a personal loan marketplace that makes it possible for you to check loan options choices with lending institutions in Cody.\nConsider secured loans. Secured personal loans are supplied by some lending institutions and are much simpler to obtain if you have below-average credit. With a protected loan, you will need to put up an property like your house or vehicle as security, these loan choices usually have lower APRs than unsecured loans.\nInclude a co-signer if available. With a Co-signer with excellent credit, you might possibly get matched for more loans with more competitive rates of interest. The co-signer will need to accept part of the obligation for the loan and may be needed to pay back the loan if you default on payments.\nPrepare yourself to apply. When applying you'll likely have to offer monetary records like pay stubs, tax papers, work information, and a bit more. Having these papers set when you apply, you'll accelerate the process of finalizing your loan.\nBe ready for a hard credit check. After the initial prequalification, lenders will conduct a hard credit check right before finalizing and funding your loan. A hard credit pull can for a short time affect your credit score, although you should have the opportunity to recoup the points lost after you start making payments on the loan.", "domain": "economics"}
+{"url": "https://wmichigan.com/home/good-to-know/types-of-financing/", "date": "2024-04-13T00:04:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816465.91/warc/CC-MAIN-20240412225756-20240413015756-00775.warc.gz", "language_score": 0.9544677138328552, "token_count": 722, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__157879742", "lang": "en", "text": "Understanding Different Financing Types in Real Estate: Cash, Conventional Loans, FHA Loans, Rural Development Loans, and VA Loans\nWhen it comes to purchasing a property, understanding the various financing options available is essential. Different financing types cater to different needs and circumstances. In this blog post, we will explore the differences between cash purchases, conventional loans, FHA loans, Rural Development loans, and VA loans, helping you make an informed decision when financing your real estate investment.\n1. Cash Purchases:\nCash purchases involve buying a property outright without any financing. This option is typically chosen by buyers who have the financial means to pay the full purchase price upfront. Cash purchases offer several advantages, including a simplified and faster closing process, potential negotiation power, and the absence of interest payments. However, it may not be feasible for everyone due to the significant upfront capital required.\n2. Conventional Loans:\nConventional loans are the most common type of mortgage loans and are not insured or guaranteed by the government. These loans are offered by private lenders and typically require a down payment of at least 3% to 20% of the purchase price. Conventional loans offer flexibility in terms of property type and loan terms, and they are suitable for borrowers with good credit scores and stable income. Private mortgage insurance (PMI) may be required for borrowers with a down payment less than 20%.\n3. FHA Loans:\nFHA (Federal Housing Administration) loans are insured by the government and are designed to help first-time homebuyers and those with lower credit scores or limited down payment funds. FHA loans require a down payment as low as 3.5% of the purchase price. These loans have more lenient credit requirements and allow for higher debt-to-income ratios. However, FHA loans require mortgage insurance premiums (MIP) throughout the loan term, which can increase the overall cost.\n4. Rural Development Loans:\nRural Development loans, also known as USDA (United States Department of Agriculture) loans, are designed to promote homeownership in rural areas. These loans offer 100% financing, meaning no down payment is required. Rural Development loans have income limitations and property eligibility requirements, and they typically have lower interest rates compared to conventional loans. Borrowers are also required to pay a guarantee fee and an annual fee for mortgage insurance.\n5. VA Loans:\nVA (Veterans Affairs) loans are available to eligible veterans, active-duty service members, and surviving spouses. These loans are guaranteed by the Department of Veterans Affairs and offer several benefits, including no down payment requirement, no mortgage insurance, and competitive interest rates. VA loans have more flexible credit requirements and allow for higher debt-to-income ratios. However, borrowers may be required to pay a funding fee, which can be financed into the loan.\nUnderstanding the different financing types in real estate is crucial for making informed decisions when purchasing a property. Cash purchases offer simplicity and speed, while conventional loans provide flexibility for borrowers with good credit. FHA loans cater to first-time homebuyers and those with lower credit scores, while Rural Development loans promote homeownership in rural areas. VA loans offer exclusive benefits to eligible veterans and service members. Each financing option has its own advantages and considerations, so it’s important to evaluate your financial situation, creditworthiness, and eligibility to determine the most suitable financing type for your real estate investment. Consulting with a mortgage professional can provide further guidance and help you navigate the financing process with confidence.", "domain": "economics"}
+{"url": "http://reserves.mil.nz/reserves/kiwi-co-host/default.htm", "date": "2019-04-19T23:04:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578528430.9/warc/CC-MAIN-20190419220958-20190420002958-00266.warc.gz", "language_score": 0.9871127009391785, "token_count": 351, "dump": "CC-MAIN-2019-18", "global_id": "webtext-fineweb__CC-MAIN-2019-18__0__48017464", "lang": "en", "text": "Kiwi co-Host boosts NZDF support for industry\nIn May 2010, with the global financial crisis causing layoffs and job losses and the economy slowing, the NZDF signed an agreement with three apprentice training organisations to create a scheme called Kiwi co-Host.\nSapper Ricky Holton is an Auckland based electrical apprentice who has found that Kiwi co-host provided him with what he needed to get ahead at work and in life and all while he was being paid and having an adventure he could not have had in any other way.\nKiwi Co-Host enables apprentices to join the TF and undertake trade training with the Army if those apprentices were laid off or projects they had been relying on for trade training were cancelled.\nThe initiative was seen at the time as being a gesture of support by the NZDF for industry and training while at the same time being beneficial to the NZDF by bringing skilled tradespeople into uniform, as reservists where they could be utilised at short notice in disaster relief or similar situations.\nThe agreement was signed with ETCO (The electricians training organisation), Masterlink (responsible for training plumbers) and Competenz (Fitters and Turners). Every year recruiters speak to the three groups and sign up keen apprentices in time for the December and February TF intakes.\nSo far 36 apprentices have joined their local TF units from Auckland to Invercargill and of those, six have required support in the form of full time work from the NZDF (which has been provided) due to cancellation of projects they were on or similar issues they were facing in finding work. This employment is made available in six week blocks and ensures the apprentice does not fall behind in their training.", "domain": "economics"}
+{"url": "https://yieldnews.substack.com/p/the-cost-of-vendor-lock-in", "date": "2023-09-28T23:21:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510462.75/warc/CC-MAIN-20230928230810-20230929020810-00465.warc.gz", "language_score": 0.9669184684753418, "token_count": 414, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__110716057", "lang": "en", "text": "The cost of vendor lock-in\nThere is no single day without some drama in the programming world. This time it's about Unity.\nUnity is a game engine, and a framework to develop games. I don't develop games anymore, but game development has a special place in my developer-heart. I think every software engineer attempted to build MMORPG at least once in his life.\nRecently, Unity announced a price change. They will be charging their users based on amount of installs. Here is the announcement from Unity, for you to read: Unity plan pricing & packaging updates.\nBut I'm not here to talk about Unity in particular. I'm here to talk about cost. And not the monetary cost. But rather the cost of vendor lock-in.\nMany individuals, and companies, don't realize about vendor lock-in. They'd happily outsource their \"dirty\" job to third party PaaS. AWS is a good example. It's an incredible suite of software, but it has its limitations.\nFirst of all—it's impossible to migrate from it. While under the hood they use standard tools, they are wrapped in such a nice package that infects your code base. And suddenly, you find yourself working with SNS/SQS API, rather than standard MQTT protocol.\nSecondly, their knowledge is not transferable. Becoming a generalist DevOps engineer—is a good investment in yourself, because you can find a job in many companies. Being an AWS engineer, limits your knowledge to this specific product and companies that work with it.\nLastly, these companies need to make money. And making money for them, might mean raising prices. Which for you translates directly to increased expenses, because you can't easily migrate away from these tools.\nI'm not saying that you should avoid tools that make your life easier. What I am saying is that you always, always, always need to take vendor lock-in, and it's price, in account when making a decision.", "domain": "economics"}
+{"url": "https://miles.ag/", "date": "2024-04-22T00:44:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818067.32/warc/CC-MAIN-20240421225303-20240422015303-00453.warc.gz", "language_score": 0.9307284951210022, "token_count": 167, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__173374327", "lang": "en", "text": "We EXPAND So We Can Add Value To Others\nAt Miles AG, we are passionate about helping businesses prosper through strong leadership, remarkable results, and unwavering independence. As an investment and holding company, our goal is to enable exceptional entrepreneurs and companies to flourish and generate substantial value.\nBespoke Investing in Growing Businesses\nMiles AG is an advisory group and holding company founded by Bryan and Shannon Miles. The company invests in and advises growing businesses throughout a variety of different industries and locations.\nGet to Know Miles AG\nFrom self-funding, then bootstrapping their first company to a nine-figure majority recap, to investing in viable businesses and leaders across the world, Miles AG is committed to serving others through equipping, resourcing, and mentoring selected leaders for growth, results, and impact.", "domain": "economics"}
+{"url": "https://en.via-allier.com/who-are-we", "date": "2023-09-27T15:01:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510300.41/warc/CC-MAIN-20230927135227-20230927165227-00293.warc.gz", "language_score": 0.9371377825737, "token_count": 152, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__13805269", "lang": "en", "text": "Who are we ?\nThe Auvergne Rhône-Alpes Region has set up a Route Committee on the Via Allier, bringing together some forty partners, in order to coordinate the development of the route and to implement joint projects.\nThe Regional Council leads the Technical Committee in charge of matters relating to the infrastructure and equipment. The development work on the route is carried out by the contracting authorities through which the route passes.\nAuvergne-Rhône-Alpes Tourisme leads the Marketing Commission, which is responsible for issues relating to the promotion and development of tourism and brings together the 3 regional and 5 departmental tourism committees concerned, the tourist offices and the tourism departments of the towns and cities crossed by the route.", "domain": "economics"}
+{"url": "http://imadiff.mydad.info/berry/Property-Register-Ireland-Myhomework.html", "date": "2020-10-25T02:49:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107885126.36/warc/CC-MAIN-20201025012538-20201025042538-00043.warc.gz", "language_score": 0.9144490361213684, "token_count": 813, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__25839869", "lang": "en", "text": "The Residential Property Price Register is produced by the Property Services Regulatory Authority (PSRA) pursuant to section 86 of the Property Services (Regulation) Act 2011. It includes Date of Sale, Price and Address of all residential properties purchased in Ireland since the 1st January 2010, as declared to the Revenue Commissioners for stamp duty purposes.\nSearch the Property Price Register. Find details of all property sales throughout Ireland.\nThe Property Registration Authority (PRA) is the State organisation responsible for the registration of property transactions in Ireland. Our role is to provide a system of registration of title (ownership) to land, which is comprehensive and readily accessible.Registering land or property in England - first time registration, transfer of ownership, changing your details on the register, where to register in Scotland or Northern Ireland.Property Mapping Register Viewer The Property Mapping Register Viewer is a web application which facilitates the registration and viewing of the State's property portfolio. The Register was put in place as a mechanism for sharing property-related information across the public service, in accordance with the Government's Public Service Reform Plan 2011.\nAt Ireland Property Guides, we’ve provided guidance for many people buying a house in Ireland for more than a decade. With our advice, and help from our trusted partners, you can avoid the pitfalls of the property market and pick up the keys to your home without a hitch.\nThe Register is conclusive evidence of title to property and any right, privilege, appurtenance or burden appearing thereon. The title shown on the folio is guaranteed by the State which is bound to indemnify any person who suffers loss through a mistake made by the Land Registry.\nAccessing your Local Property Tax (LPT) The LPT online service allows you to file and pay your LPT liability online. It also allows you to manage any arrears of Household Charge (HHC). Who is the service for? This service is suitable for you, if you: own a residential property in Ireland.\nAccess to the landdirect service and Property Alerts and use of information contained therein is governed by these terms and conditions. If there are applications pending on a folio selected for viewing, such applications may result in changes to the register.\nLatest Property News headlines, Irish construction and property market news brought to you daily from the Irish Times Online.\nProperty Registration Systems in Ireland.. The title to the property will have to be registered in one of these two separate systems for recording transactions to property in Ireland: The registration of title system. identifies property, not boundaries. The Register is therefore not conclusive as to boundaries.\nIntroduction. Landlords (including housing associations and those who let student-specific accommodation) must register residential tenancies with the Residential Tenancies Board (RTB) and update the RTB if information about the tenancy changes. The RTB uses this information to maintain a publicly available register.The register shows the address of the property and the number of bedrooms.\nProperty.ie is Ireland's oldest property website. We have more than 40,994 residential houses, apartments, flats, new homes and commercial property for sale and rent thoughout the Republic of Ireland and Northern Ireland.\nLandRegistry.services - Online processing services in Land Registys, Administrations, Services and Companies with the LandRegistry.services services.\nThe first place you’d be likely to turn to would be the Property Registration Authority. Over 90 per cent of land in the Republic is registered there. In total, the organisation holds records of 2.5 million parcels of land - 90 per cent of Ireland’s total land mass.\nIntroduction. There are 2 separate systems for recording property transactions: The registration of title system (Land Registry) which provides a State-guaranteed title to property The registration of deeds system (Registry of Deeds) which records the existence of deeds and conveyances affecting propertyA title is the ownership of a property and a deed is a written document that affects property.", "domain": "economics"}
+{"url": "http://businessbeyondlimits.com/tiffany-largie/", "date": "2018-03-21T06:46:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-13/segments/1521257647584.56/warc/CC-MAIN-20180321063114-20180321083114-00495.warc.gz", "language_score": 0.9738495349884033, "token_count": 151, "dump": "CC-MAIN-2018-13", "global_id": "webtext-fineweb__CC-MAIN-2018-13__0__90648615", "lang": "en", "text": "Tiffany Largie went from being a single mom putting her kids to bed hungry to building three six-figure businesses, and on to a seven-figure business by the age of 30. Tiffany began with no capital, no degrees, or certifications just hard work. Today she helps people do the same with the experiences and skills they already have to generate the kind of money that allows them to pay for their dreams. She’s the creator of Onwards to Freedom, a quickly growing movement filled with people who have decided enough is enough they want too want to make their dreams a reality. She teaches on sales strategy, mindset, entrepreneurship, and using the power of story to build revenue for the sole purpose of bringing dreams to life.", "domain": "economics"}
+{"url": "http://tubbsturf.co.uk/page8.html", "date": "2019-04-26T10:56:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578765115.93/warc/CC-MAIN-20190426093516-20190426115516-00431.warc.gz", "language_score": 0.9426241517066956, "token_count": 144, "dump": "CC-MAIN-2019-18", "global_id": "webtext-fineweb__CC-MAIN-2019-18__0__27651366", "lang": "en", "text": "Download membership form here\nTubbs Turf is a community-funded and volunteer run sports facility. Members can use\nthe courts free of charge and can book courts in advance.\nNon-members can use the courts, but should pay the ‘casual use’ fee of £5 per hour\n(please post through the letterbox) . They cannot book in advance.\nMembership of Tubbs Turf is payable yearly and runs from April to March. Fees contribute\nsignificantly to the maintenance and running costs of the facility.\nKingswood Resident Non-Kingswood Resident\nJunior (under 16) £10 £15\nAdult £25 £35\nFamily £40 £60", "domain": "economics"}
+{"url": "https://www.greaterlenaweechamber.org/aboutus", "date": "2023-10-03T20:31:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511220.71/warc/CC-MAIN-20231003192425-20231003222425-00460.warc.gz", "language_score": 0.9636356234550476, "token_count": 418, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__196317903", "lang": "en", "text": "During the 2021 year, the Adrian Area Chamber of Commerce and the Tecumseh Area Chamber of Commerce worked through a merger to create one Chamber that would be for the greater Lenawee County area. This then formed the Greater Lenawee Chamber of Commerce. The GLCC was officially established toward the beginning of 2022.\nNow with the knowledge and experience of the two former Chambers, the newly merged Greater Lenawee Chamber is growing into a large entity full of information and opportunities for it's members.\nIn any community, it is from the profitable operation of business that all other benefits are derived. Only by succeeding in this elemental foal, can a community provide jobs, ensure a high quality of life, and produce the wealth to finance the governmental, civic, and charitable needs that the community is faced with every day. The Chamber is engaged in a diverse range of activities to accomplish the primary goal of profitable operation of business within the greater Lenawee County area.\nMeet The Team\nThe Chamber staff members are available at the Chamber office by appointment. Please email or call ahead to schedule a meeting. For any questions regarding Chamber Membership, please contact our Member Relations Manager, Austin See.\nWhat is the Chamber of Commerce?\nThe Greater Lenawee Chamber is a catalyst - a common vehicle through which things get done and through which the enlightened mutual interests of all segments of the business community work together for the common good of the entire community. A better community means better business and the Chamber is working diligently for a better community for everyone.\nThe Chamber is a Michigan non-profit corporation and has the status of 501c6 under the Internal Revenue Code. The Chamber is not a governmental unit, nor is it a private business. It is governed by a 16 member Board of Directors. These community leaders volunteer their time and abilities to ensure that the many programs of the Chamber are carried out. The Chamber is funded through the membership investment dollars provided by its nealy 300 member organizations and through monies raised through programs, sponsorships, and fundraising activities.", "domain": "economics"}
+{"url": "https://www.925treats.co.uk/delivery-returns-i5", "date": "2022-06-26T05:38:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103037089.4/warc/CC-MAIN-20220626040948-20220626070948-00664.warc.gz", "language_score": 0.9609605669975281, "token_count": 488, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__133625035", "lang": "en", "text": "We cannot guarantee delivery times but will endeavour to deliver your items to you within 3-5 working days on receipt of payment. (This is subject to Royal Mail delivery times, however we aim to dispatch any orders within 1 working day on receipt of payment). If you wish to receive your purchase by special delivery then the cost will be £6.50 irrespective of the package size (we recommend that you choose this option as it insures your purchase against damage or loss).\nFree Standard delivery is only offered on qualifying purchases over the value of £50.00. Any purchases made below this amount will incur a standard delivery charge of £2.99*.\n*Due to the weight of the products all purchases which include Yankee Candle products will incur a delivery charge of £3.00.", "domain": "economics"}
+{"url": "https://www.adshel.com/leadership-team/cormac-oshea", "date": "2018-07-23T09:39:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676596204.93/warc/CC-MAIN-20180723090751-20180723110751-00412.warc.gz", "language_score": 0.9532646536827087, "token_count": 226, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__151527169", "lang": "en", "text": "Cormac O’Shea is CFO for Clear Channel Outdoor’s international division – Clear Channel International (CCI) – a role he has held since joining the company in April 2013.\nWith a career in international finance spanning 15 years, Cormac’s wide-ranging experience in the media industry positions him perfectly to lead the finance function of CCO’s international division, which spans 18 countries across Asia and Europe. He is central to the development of the group’s strategic and operational plans and plays a key role in prioritising investment opportunities at group level.\nPrior to Clear Channel, Cormac was CFO of both the Australian Radio Network from 2010 to 2013, and before that, APN Outdoor in Australia for four years. He has also served as Group Corporate Finance Manager and Group Accountant of APN News & Media, also in Australia.\nCormac spent four years at KPMG Ireland, where he qualified as a chartered accountant. A graduate of University College Cork, Cormac is a fellow of the Institute of Chartered Accountants in Ireland.", "domain": "economics"}
+{"url": "https://ch-tc.com/financial-information/", "date": "2021-03-08T06:00:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178381989.92/warc/CC-MAIN-20210308052217-20210308082217-00092.warc.gz", "language_score": 0.9437315464019775, "token_count": 243, "dump": "CC-MAIN-2021-10", "global_id": "webtext-fineweb__CC-MAIN-2021-10__0__183399881", "lang": "en", "text": "Cancer Health Treatment Centers will bill your insurance company for you with the expectation that your insurance carrier will expedite payment within 45 days. If payment is not received within 45 days you will be notified. At the time of notification we ask that you contact your insurance carrier to find out the status of your unpaid claim. We will allow an additional 10 days for you to contact us with the outcome of your phone call. If after 10 days we have not heard from you, the bill will be considered your responsibility.\nAll payments of deductibles and co-pays are expected at the time of service. If you have a patient balance after your insurance has paid, you will receive a monthly statement. We expect payment in full at this time. For your convenience, we accept Visa/Mastercard payments. We understand that treatment can create a true financial burden for patients and their families. If you cannot pay for your services, contact our Patient Accounts Department to make payment arrangements. The phone number for Patient Accounts is (219) 310-2550. Payment can be made at any of our locations or by mailing your payment to Cancer Health Treatment Centers, 342 East 109th Avenue, Crown Point, IN 46307.", "domain": "economics"}
+{"url": "http://www.fosfory.pl/en/", "date": "2017-04-27T20:54:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917122621.35/warc/CC-MAIN-20170423031202-00646-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9461184144020081, "token_count": 111, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__39504478", "lang": "en", "text": "Our mission is to provide high quality products and services for agriculture and the chemical industry.\nWe intend to build our future so that the cooperation with all clients will bring measurable benefits to each party. We believe that customers' satisfaction with our products and services is the foundation of our company's success.\nWith the transhipment services we want to be a ‘bridge’ connecting the Polish chemical industry and other countries.\nA good brand and complete satisfaction of the customers' needs while maintaining the environmental protection requirements ensure a growing market share for us.", "domain": "economics"}
+{"url": "https://readthink.do/sell-your-house-for-more/", "date": "2018-02-21T03:21:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891813322.19/warc/CC-MAIN-20180221024420-20180221044420-00712.warc.gz", "language_score": 0.9361873865127563, "token_count": 2445, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__121534601", "lang": "en", "text": "Ever wonder how to sell your house for more money?\nWith real estate values rising in major cities across the developed world, buying, selling, and investing in property is topical, if not downright profitable.\nBut what actually works when selling a property? How do you sell your house for more?\nIt seems that much of real estate advice is more “generally accepted wisdom” rather than evidence-backed strategy.\nTake for example the old adage in real estate that you often hear real estate agents tell clients – “your first offer is your best offer”.\nIf it’s good advice agents would practice it right?\nSo what did economists find when they compared the sales of homes that belonged to the real estate agents themselves, to those of homes belonging to the real estate agent’s clients?\nReal estate agents kept their own houses on the market longer then their clients, and ended up getting tens of thousands more dollars for themselves.\nUsing the data from the sales of those 100,000 Chicago homes, and controlling for any number of variables—location, age and quality of the house, aesthetics, and so on—it turns out that a real-estate agent keeps her own home on the market an average of ten days longer and sells it for an extra 3-plus percent, or $10,000 on a $300,000 house.\nWhen she sells her own house, an agent holds out for the best offer; when she sells yours, she pushes you to take the first.\nAs the economists pointed out, when you consider the agent’s commission structure, the result is actually not that surprising.\nThe problem is that the agent only stands to personally gain an additional $150 by selling your house for $10,000 more, which isn’t much reward for a lot of extra work.\nWondering what other selling secrets might be hidden in the data?\nHere’s what they didn’t tell you, but research says can help to sell your house for more.\nSell Your House For More\n1) Go High\nWhen selling a property it’s not uncommon to be advised to set an “attractive price” (read: a lower price than you want).\nThe idea is that a lower price will attract more buyers and the agent can then work on the buyers to “build up” their price expectations.\nLow start price = more interest = higher end price. Makes sense. Good strategy right?\nThis study found that an underpricing strategy resulted in a lower than expected sale price at auction, even when it attracted more buyers.\nThe results with respect to the sellers’ list price strategy show that while an increased underprice – a low list price in relation to assessed market value – increases competition by attracting more bidders, this competition is not enough to increase the selling price… it has a negative effect on sales prices.\nHow can that be?\nThe most likely explanation is what psychologists call “the anchoring effect“.\nPsychologists have long known that the initial price you ask acts has a kind of “anchor” for buyers’ expectations.\nAnd research shows the effect of anchoring is hard to avoid.\nSo what price should you set?\nResearch by economists shows that sellers that set higher asking prices for their properties get higher sale prices.\nAn owner of a property with a high loan-to-value ratio sets a higher asking price, has a higher expected time on the market and, if he sells, receives a higher price than an owner with proportionately less debt\nBut hold on, won’t that higher price be negated by the longer time on market?\n2) Longer = Better?\nSetting higher asking prices go hand-in-hand with a house remaining on the market longer.\nSo is the longer time on the market actually worth the extra price return? The data says highly likely.\nWe’ve already seen that real estate agents keep their houses on the market longer and get higher prices.\nThey know what they’re doing.\nThe study found that an agent keeps her own house on the market an average ten extra days, waiting for a better offer, and sells it for over 3 percent more than your house\nAn extra 3 percent for just 10 days is a pretty spectacular return.\nOther studies by economists have found that higher prices cost an extra 10 weeks on the market, with a 4 percent higher price. A 20 percent annualized rate of return.\nNothing to be sniffed at either.\nThe higher reservation prices costs low-equity sellers about ten extra weeks on the market, but yields a 4-percent higher price. These numbers translate to an annualized rate of return exceeding 20 percent, suggesting that unconstrained sellers are willing to give up a significant amount in price in order to achieve a quick sale.\nObviously your holding costs and risk tolerance come into this equation. But it’s an equation worth doing.\nOkay, so that’s price and time. What else can help sell your house for more?\n3) Words Count\nWe all love pictures.\nAnd if you’re getting good advice you’ll pay attention to getting quality photos.\nAnd a study by Trulia.com suggests the more photos the better.\nOur study shows that listings with more than 6 pictures are twice as likely to be viewed by buyers as listings that had fewer than 6 pictures.\nBut how much attention are you paying to the descriptive words in your marketing?\nResearch by US real estate media company Zillow.com shows that certain words in real estate marketing are associated with higher and lower house prices.\nBottom-tier homes described as luxurious tend to beat their expected sale price by a whopping 8.2 percent\nTop-tier listings described as “captivating” sold for 6.5 percent more on average than expected.\nWhat words are associated with selling your house for more?\nHere’s the word clouds from Zillow.com\nimage source: zillow.com\nSo am I suggesting you can describe your dump as a luxurious palace and expect a better price?\nThe point here is not to under-sell good features with poorly worded advertising.\nIf some words are associated with higher prices, does it work the other way? Do some words correlate with a lower price?\nLow-priced listings described as an “investment” sold for 6.6 percent less on average than expected.\nAnd data shows top-tier listings with the word “investor” sold for 6.6 percent less on average than expected.\nIn fact, even bland words like “nice” are can potentially harm prices.\nlow- and mid-priced listings with the word “nice” sold for about 1 percent less on average than expected.\nTime to re-think that advertising blurb?\nWondering what words to avoid if you want to sell your house for more?\nHere’s another word cloud from Zillow.com that might help:\nimage source: zillow.com\nSo using the right sexy words help sell your house for more. But what about a sexy agent?\n4) Sexy Sellers Sell\nYep. you guessed it. We humans are indeed that shallow.\nResearch shows that physically attractive agents have higher listing prices, and consequently they get higher sale prices.\nA recent study of physical attractiveness and how it impacts real estate brokers’ pay and productivity shows that the more attractive the real estate agent, the higher the listing price of the home for sale. Those higher listings lead to higher sales prices, meaning that beauty enhances an agent’s wage, said the report by Frank Mixon, professor of economics at Columbus State University’s Turner College of Business.\nOkay, so it’s more to do with the higher listing price (see the first tip) than the chiselled chin or captivating curves of your agent per se. But if you’re looking to stack the deck in your favour…\nOkay. So we’ve covered the marketing side. How about the selling method?\nAuctions, PBN, BEO, tender. Does it matter? Absolutely.\n5) Auctions Achieve (Usually)\nIs there a selling method that research suggests is best? Well, it depends.\nStudies suggest the auction (aka English auction) gets higher prices than negotiated sales in up markets.\nour results show that sellers obtain a higher expected selling price if they auction off their property in an up market…Holding other factors constant, auction sales are on average 5.7% higher than negotiated sale.\nThe middle-priced property segment has the highest auction premium at 5.7%, while the high-end property segment has the lowest auction premium at 4.3%.\nWhat about auctions versus tenders?\nAccording to research from Singaporean government land sales, auctions beat first-price sealed-bid tenders by around 4 percent.\nThe evidence indicates that using the sealed-bid tender results in a lower land price, approximately 4% lower than English open auction.\nBut a word of caution: an auction may not be the best choice in a weak or flat market.\nIn a down market, auction sales are on average 1.9% lower than negotiated sales. Generally, when the market is unstable, either heading for a boom or a bust, the results indicate that auction sales will benefit sellers of low-end properties more than sellers of high-end properties\nSo if you are considering an auction, is there anything you can do to get more money out of your auction?\n6) Hack Your Auction\nWhen it comes to auctions, it’s a case of “the more the merrier”.\nFor the seller that is.\nResearch suggests that going from 1 bidder to 2 bidders in an auction can increase the final price by roughly 4 percent.\nThe effect of the number of bidders is also strongly economically significant. Starting at one bidder, the increase in price when adding one more bidder is 3.9 percent and the corresponding increase when going from five to six bidders is 1.9 percent…\nAs a further illustration, increasing the number of bidders for an average apartment from one to six, the expected selling price increases by 14 percent.\nOf course, as we’ve already seen, underpricing to increase bidders doesn’t have this effect.\nAnd until cloning technology improves, there’s no easy way to magically increase the number of bidders at your auction.\nSo, is there anything else we can do to make an auction go further?\nTalk to your auctioneer. Fast talker?\nFast auctions generate higher prices.\nA fast auction in terms of a short average time between bids seems to increase the probability of a bidding frenzy, which, in turn, increases the number of bidders and selling price.\nThe bid speed might be a little out of the auctioneers hands. So what can they control?\nAnd the same study revealed that higher bid increments generate higher sale prices than smaller increments.\nIncreased bid increments reduce competition, however not enough to offset an increase in selling price.\nSo there’s what the research says can help to sell your house for more.\nIs it iron-clad financial advice? No.\nObviously there are a lot of different variables that go into selling a home.\nBut as a property investor with 20 years of experience, it’s always enlightening to get beyond the entertaining stories and accepted wisdom to see what the data reveal about how to sell your house for more.\nSo get out there and sell your house for more!", "domain": "economics"}
+{"url": "https://www.groupmobile.com/hardware/handhelds/rugged-handhelds.html?___store=default", "date": "2020-05-26T06:55:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347390448.11/warc/CC-MAIN-20200526050333-20200526080333-00109.warc.gz", "language_score": 0.9432162046432495, "token_count": 122, "dump": "CC-MAIN-2020-24", "global_id": "webtext-fineweb__CC-MAIN-2020-24__0__88959492", "lang": "en", "text": "Why buy a rugged handheld computer and not a consumer-grade device? We feel the most important factor is overall cost — who doesn’t like to save money! Getting total cost of ownership (TCO) as low as possible requires organizations to deploy devices that will lead to maximum reliability and productivity in their work environment. Consumer-grade devices often don’t last a year when deployed to support mobile operations resulting in extremely high failure rates not to mention large repair, maintenance, and replacement costs. At the other end, ruggedized mobile computers routinely last four years or more even in challenging industrial environments.", "domain": "economics"}
+{"url": "https://oldnallend.uk/oldnall-end-in-1839/", "date": "2023-05-28T07:14:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224643585.23/warc/CC-MAIN-20230528051321-20230528081321-00187.warc.gz", "language_score": 0.9575647115707397, "token_count": 422, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__140708476", "lang": "en", "text": "The Warwickshire Tithe Map and Tithe Apportionment is a rich primary source that allows us to identify each dwelling or plot of land in Oldnall End in 1839, along with its owner and occupier.\nWhat was the Tithe Apportionment?\nThe payment of tithes was an ancient system whereby occupiers of land gave one-tenth of their produce to their local church. By the 19th century, much land previously owned by the Church had passed into the hands of private landlords, who continued to receive tithes.\nIn 1836 the British Government passed the Tithe Commutation Act, which allowed owners and occupiers of land to pay their tithes with money rather than the more traditional crops or livestock. In order for land to be valued, each parish was surveyed and a Tithe Map prepared, showing the owner, occupier, area and state of cultivation of each plot of land.\nThe Tithe Apportionment in Berkswell\nThe Tithe survey of Berkswell, carried out by Thomas Smith Woolley of Nottinghamshire and valued by John Harris of Birmingham, was confirmed by the Land Commission on 10 April 1839.\nThis map shows the ownership and occupation of Oldnall End’s houses and land at the time of the 1839 Tithe Apportionment. Click on a marker to find the name of the plot, its area (in acres, roods, and perches), its state of cultivation (e.g. arable, pasture, etc.), and the names of the owner/occupier. Some entries even have photographs so you can see what the plot looks like today!\nWant to find out more?\nClick here to see a list of Oldnall End properties in 1839.\nWarwickshire County Record Office hosts a database with transcripts of the Tithe Apportionment books for the whole of Warwickshire.\nThe Tithe Maps themselves can be seen and/or purchased at the County Record Office or (with a subscription) at The Genealogist.", "domain": "economics"}
+{"url": "http://fiscly.com/index.php?title=Fiscly:About&diff=96235", "date": "2019-10-17T17:56:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986675598.53/warc/CC-MAIN-20191017172920-20191017200420-00447.warc.gz", "language_score": 0.9336820840835571, "token_count": 151, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__1842705", "lang": "en", "text": "Difference between revisions of \"Fiscly:About\"\n|Line 1:||Line 1:|\nFiscly tracks vendor payments over time.\nFiscly tracks vendor payments over time. by [https://twitter.com/sarahecon @sarahecon]. [https://www.twitter.com/fiscly @fiscly].\nLatest revision as of 10:09, 4 October 2017\nFiscly tracks vendor payments over time. Fiscly is a data project by Sarah Oh, Research Fellow at Technology Policy Institute, Washington DC. Sarah is a PhD economist and lawyer. Follow her at @sarahecon. Fiscly is on twitter too, see @fiscly.", "domain": "economics"}
+{"url": "https://foi.se/en/foi/about-foi/how-is-foi-financed.html", "date": "2023-11-29T09:00:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100057.69/warc/CC-MAIN-20231129073519-20231129103519-00861.warc.gz", "language_score": 0.9435011744499207, "token_count": 395, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__157613257", "lang": "en", "text": "How is FOI financed\nFOI’s activities are financed both through commissions and appropriations.\nFinancing through commissions means that we price and sell our services in the marketplace. The majority of the commissions are publicly-financed and from the Armed Forces, the Swedish Defence Materiel Administration and other ministries and authorities.\nIn 2022, 52 per cent of FOI’s total revenues were received from the Armed Forces. The commissions are often long term and involve, among other things, simulation, underwater technology, information warfare and aeronautics. For example, FOI has:\n- provided expert support in the development of the Gripen system\n- contributed to improvements in the ability of Swedish ships to avoid detection by foreign reconnaissance and mine systems.\nThe Swedish Defence Materiel Administration was responsible for 14 per cent of FOI’s revenues in 2022. One example of the assignments the authority has given us:\n- development of methods for preventing electromagnetic interference in the field.\nExamples of commissions that FOI has received from civil authorities:\n- conduct studies and provide support within the civil defence area for the Swedish Civil Contingencies Agency (MSB)\n- analysis of white powder letters for the Police.\nFinancing received via appropriations implies that revenues are provided by the Government, more precisely the Ministry of Defence and the Ministry for Foreign Affairs. About 20 percent of FOI’s activities are financed through appropriations and comprise several sections:\n- security and defence policy and analysis\n- research in the CBRN area (CBRN stands for chemical, biological, radiological, and nuclear agents)\n- international activities in the area of defence materiel\n- research within the Police’s field of activities\n- research, investigations and other missions in security policy and disarmament.\nFOI’s activities are also financed internationally, for example via EU’s framework programme for research and innovation.", "domain": "economics"}
+{"url": "https://www.phoenixsoftware.com/quote.php?J3P", "date": "2023-09-24T06:19:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506623.27/warc/CC-MAIN-20230924055210-20230924085210-00413.warc.gz", "language_score": 0.8676588535308838, "token_count": 278, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__186680515", "lang": "en", "text": "JES3plus Pricing Worksheet\nUse this worksheet to submit information for purposes of obtaining a pricing proposal for JES3plus.\nOn the next page, please complete the following:\n- JES3plus CPC Configuration Report\n- Upload most recent twelve months of SCRT reports to confirm capacity and consumption (if eligible for sub-capacity pricing).\nPhoenix Software Develops State-of-the-Art Products for Modern Enterprises\n- JES3plus is fully supported, has a road map for enhancements, and can be implemented by existing IBM JES3 customers through a trivial migration and at no additional cost.\n- Initial contract cost will closely match what customers are currently paying for IBM JES3.\n- Any subsequent price increases will not exceed the percentage price increases implemented by IBM.\n- Annual licensing in place of MLC.\nJES3plus is a licensed, derivative work based on IBM®’s z/OS® JES3 V2R4 source code. Created with customers in mind, JES3plus provides existing JES3 customers a common-sense alternative to a costly and potentially risky JES2 conversion. Customer implementation involves a trivial migration to a fully supported product, with a road map for enhancements, no planned end of life, and no additional licensing costs.", "domain": "economics"}
+{"url": "https://www.agingincommunity.com/help-alice_the_original_petition", "date": "2020-08-11T00:15:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439738723.55/warc/CC-MAIN-20200810235513-20200811025513-00552.warc.gz", "language_score": 0.9573641419410706, "token_count": 578, "dump": "CC-MAIN-2020-34", "global_id": "webtext-fineweb__CC-MAIN-2020-34__0__96522881", "lang": "en", "text": "My name is Alice Green and I'm 72 years old. For more than 20 years, I've lived in a wonderful cohousing condominium community in Berkeley, California. But I'll lose my home in a few months - and with it, the community I consider my family - unless the government agrees to let me reverse mortgage my home.\n(Fall, 2016 Update: We were surprised and delighted by the response we got to this, over 10,000 signatures in one weekend! It got the government's attention, and we ended up going to DC and meeting with HUD staff and shifting FHA policy. But since differences in city and federal guidelines around our unique community are keeping us from pursuing this path (for now), and I'd rather do this in a way that benefits my friends and neighbors rather than a big commercial bank, I'm making do with what I have for now, and continuing to work, and with my neighbor Raines and others we're researching and co-creating community alternatives, like a Revolving Loan Fund and/or Permanent Real Estate Coop, perhaps in partnership with a Land Trust and Community Loan Fund. Read the recent articles in this section for more. )\nI moved into this community because I wanted to live more resourcefully and \"in community\". My neighbors and I share a big common yard, laundry and meals three nights a week. It’s wonderful. I own my home (“free and clear”) and live on only $12,000 a year because I live simply and meet some of my needs through bartering and sharing. But my savings, part time income and Social Security can't keep up with Berkeley's high property taxes and my condo fees that cover maintenance, reserves and insurance.\nAnyone else in my situation could apply for a reverse mortgage. But somehow, because my neighbors and I share some meals and resources like a laundry room, the Federal Housing Administration (FHA) won't treat us the same as other condominium communities, and won't allow even a small reverse mortgage loan for my home.\nWith the help and support of my neighbors, I started this petition because I want FHA Commissioner and Assistant Secretary for Housing Carol Galante to treat cohousing condominiums like all other condominium communities so I can get a reverse mortgage. By doing so, I hope the path will also be clear for others to continue living in supportive and engaged communities like mine.\nCarol Galante, FHA Commissioner and Assistant Secretary for HUD\nTreat cohousing condominium communities like mine the same as any other condo community so I and others can access reverse mortgages to help stay in our homes.\nPlease sign my petition calling on FHA Commissioner and Assistant Secretary for Housing Carol Galante to let me reverse mortgage my condo so I can stay in my home, in the community I love.", "domain": "economics"}
+{"url": "http://stonycreekbead.blogspot.com/2011/06/sterling-filled-items-are-now-in-stock.html", "date": "2020-06-05T13:00:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590348500712.83/warc/CC-MAIN-20200605111910-20200605141910-00328.warc.gz", "language_score": 0.9685815572738647, "token_count": 142, "dump": "CC-MAIN-2020-24", "global_id": "webtext-fineweb__CC-MAIN-2020-24__0__180677101", "lang": "en", "text": "As you may know, the price of sterling has increased dramatically over the past several months. In response, our metal supplier is now carrying sterling filled items.\nMuch like gold filled, this is still technically a plating. However, because of the thickness of the metal, and because of the process in which it was made, the silver should not wear off like a normal base-metal plating would. This is a cost effective alternative for those of us who love the look of silver, yet do not want to pay for the silver prices.\nThis first shipment has round wire and smooth, round beads in it. More will be coming soon.\nTry it and let us know what you think!", "domain": "economics"}
+{"url": "https://orings.en.alibaba.com/company_profile.html?spm=a2700.pc-decorate.0.0.333b3333zo5TJf", "date": "2021-07-25T15:18:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046151699.95/warc/CC-MAIN-20210725143345-20210725173345-00425.warc.gz", "language_score": 0.9290985465049744, "token_count": 606, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__42481980", "lang": "en", "text": "Guangdong yi chi seal products co., LTD, located in the \"Factory of the World\" of Dongguan City, is a private enterprise specializing in the design and production of precision molds, standard parts, O-rings, silicone precision sealing products, silicone products (such as baby pacifiers). Our products have a wide range of applications. For example, our products are mainly applicable to oil seal, water seal, pneumatic seal, and also can be used in various jewelry, toys, kitchenware, cushion pad and other related fields. Our products have passed the international system certifications of ISO9001 and ISO14001.Our Company has two factories and four workshops, covering an area of 8,500 square meters, with an annual production capacity of more than 620 tons of rubber compound, more than 4,200 sets of molds, and a daily production capacity of 6.7 million products per day. Based on more than ten years of production experience and technical research, Our Company has mastered the advanced sealing production technology and technological process. Now, we have a complete set of perfect production process, including product design, research and development, mold development, raw material formula, molding production and quality testing.The Mold Department in Our Company has 10 sets of high precision CNC, 3 sets of electrical discharge machining, 28 sets of vulcanizing machines, and various testing equipment such as sulfur analyzer, machine for hardness test, tensile test, salt spray test, etc. The materials we use are of high quality from America, Japan, Germany, etc., which can meet most of our customers' needs for quantity, quality and delivery.Since its establishment, Yi Chi has been advocating people-oriented, adhering to the enterprise spirit-\"Yi Chi is my family, prosperity depends on everyone\", and achieved steady growth. Our vision is to create happiness for employees and make customers feel satisfied. We will always work hard towards our goals and try our best to be the best in the industry!Positioning: focus on the production of the most precise, the most complete, and the most trouble-free sealing rings!Vision: Casting a national sealing brand with craftsmanshipMission: To build a dream factory for employees who have dreamsGuangdong yi chi seal products co., LTD focus on type O sealing ring, silicone rubber seal products design, development, production and sales, the company existing mold more than 4200 sets, producing products of billions, finished products warehouse 1000 square meters, the o-rings are complete in specifications, material of silicone, rubber, fluorine rubber, a large number of spot, the company has high precision CNC machining center 10 units, sparks machine 3 units, mold daily output is as high as 12 sets, 28 vacuum vulcanizer Taiwan, fine close 3 glue machines, powerful hardware, silica gel products daily production of more than 6 million, only to meet your quality and delivery, looking forward to cooperate with you.", "domain": "economics"}
+{"url": "https://chbanl.ca/2014/11/27/chba-nl-seeks-20-member-companies-for-canada-job-grant-participation/", "date": "2023-11-30T20:28:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100232.63/warc/CC-MAIN-20231130193829-20231130223829-00216.warc.gz", "language_score": 0.9318439364433289, "token_count": 410, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__285754577", "lang": "en", "text": "The CHBA-NL has submitted a comprehensive proposal for the Canada Job Grant, which we are currently negotiating with the province. The proposal is based on identifying 20 member companies and their training needs whereby the CHBA-NL will facilitate training through a variety of modules in partnership with Keyin College. The training modules include:\nEnergy Efficiency Boot Camp\nEnerGuide for new and existing homes\nAdministration Boot Camp\nFinance and Accounting\nHuman Resource (attraction and retention of labour)\nTechnical Boot Camp\nFraming Technician Program\nDrywall and Plastering\nWindows and Doors\nShingling and Roofing\nThe objective of our proposal is to stimulate increased employer involvement in all aspects of training through the Canada Job Grant. Employers, as primary stakeholders, have an interest in ensuring the long-term success of this program. This is especially true given the residential construction industry is an unregulated one where a lack of expertise can have devastating impacts.\nAs a result, the CHBA-NL intends to use this opportunity as another means to enhance the professionalism of the industry, as it has evolved and changed at a rapid rate. It is understood that by strengthening the capacities of the workforce, productivity will be immeasurably enhanced. By professionalizing the workforce, there should be a reduction in turnover, which may help stabilize labour costs associated with home-building.\nAs a result of favourable discussions with the province, we are now seeking 20 member companies interested in identifying training needs and accessing skills training for new and existing employees. The Association will walk you through the process to ensure your employees receive the instruction you need to meet your diverse human resources needs now and well into the future.\nLet us help you gain a competitive edge in the marketplace. To learn more about the Canada Job Grant and to take advantage of our expertise, please contact the office: email@example.com or 753.2000\nFor background information on eligibility and requirements, review this presentation from Advanced Education and Skills (AES):", "domain": "economics"}
+{"url": "http://www.ntlshutters.com/blog/how-impact-windows-pay-off/", "date": "2018-12-13T02:05:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376824338.6/warc/CC-MAIN-20181213010653-20181213032153-00196.warc.gz", "language_score": 0.9495927095413208, "token_count": 374, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__86047936", "lang": "en", "text": "We’ve talked in this space before about the benefits of impact windows in areas like ours where the potential for hurricanes and the strong winds associated with them is always a looming threat. Preparing for a hurricane means either protecting your windows or replacing them with wind resistant impact windows, and while there’s certainly a larger up-front investment with the latter, most home and business owners might be surprised at how quickly the price starts looking less intimidating once you consider a few mitigating factors.\nCertainly there’s your time; in the event of a hurricane warning, whether you’re installing storm panels or simple plywood, there’s time that needs to be spent doing it that could probably be better spent safeguarding yourself and your family. Even if you’ve got plenty of time to evacuate an area, the value of your own time — or the cost of paying someone to install all those sheets of plywood — needs to be weighed against the one-time cost of installing impact windows.\nAlso, impact windows do more than just protect interiors during high winds. They’re also great at reducing noise, are extremely energy efficient, offer UV protection to your furniture and other belongings, and act as a deterrent against burglars and other intruders — they’re a health and safety asset to any home. Moreover, in most cases insurance companies in hurricane prone areas offer premium discounts to home and business owners who have installed impact windows — and that discount is typically available year after year. Couple that discount with energy tax credits that are usually available for installing more efficient window glass like that used in impact windows and you’re starting to chip away at the initial cost pretty rapidly. Call us today and we’ll run numbers with you — we think you’ll find impact windows are an excellent investment.", "domain": "economics"}
+{"url": "https://neptunerts.com/team/", "date": "2023-05-29T23:02:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644913.39/warc/CC-MAIN-20230529205037-20230529235037-00006.warc.gz", "language_score": 0.9518622756004333, "token_count": 530, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__135243700", "lang": "en", "text": "Ed Stern is President and CEO of PowerBridge, the leading developer of non-utility, privately financed, electric transmission systems in the U.S. PowerBridge has developed, financed, constructed – and now operates – more than 1300 MWs of transmission capacity, with a total investment in excess of $1.5 billion. PowerBridge also completed the development and construction of a natural gas line and is currently developing several billion dollars of new electric transmission facilities.\nEd has more than 30 years of experience leading the successful development, financing, construction, operation and ownership of major energy and infrastructure projects. Under Ed’s guidance, PowerBridge developed, financed and built the Neptune Regional Transmission System, completed in 2007, and the Hudson Transmission Project, completed in 2013.\nBoth Neptune and Hudson are 660 MW HVDC underwater and underground electric transmission systems, managed by PowerBridge, that interconnect the PJM market in New Jersey with power grids in New York. Neptune extends 65 miles (51 underwater) between Sayreville, New Jersey and Long Island, while Hudson runs from Ridgefield, New Jersey for approximately seven miles into Manhattan’s West Side, including four miles underneath the Hudson River. Both projects were completed on budget and ahead of schedule.\nFrom 1991 through 2004, Ed was employed by Enel North America, Inc. — the North American subsidiary of the Italian electric utility Enel SpA — and its predecessor, CHI Energy, Inc., an energy company specializing in renewable energy technologies including hydroelectric and wind. While at Enel North America, Inc. and CHI Energy, Inc., Ed served as General Counsel and, commencing in 1999, as President, Director and Chief Executive Officer.\nPrior to joining CHI, Ed was a vice president with BayBanks, Inc., a Boston-based $10 billion financial services organization, where for six years he specialized in energy project finance, real estate restructurings and asset management.\nEd has served on numerous public and private boards, most recently on the boards of CAN Capital, Inc., a small business specialty finance company; Deepwater Wind Holdings, LLC, America’s leading developer of offshore wind projects (recently acquired by Orsted), FMC GlobalStat Holdings, Inc., a global provider of satellite and wireless communications systems; and on the advisory board of Starwood Energy Group Global, LLC, a private equity firm specializing in energy and infrastructure investments.\nEd received B.A., J.D. and M.B.A. degrees from Boston University. He is a member of the Massachusetts Bar and the Federal Energy Bar.", "domain": "economics"}
+{"url": "https://primordialalchemist.com/cancellation-policy/", "date": "2021-03-04T10:14:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178368687.25/warc/CC-MAIN-20210304082345-20210304112345-00550.warc.gz", "language_score": 0.9383999109268188, "token_count": 287, "dump": "CC-MAIN-2021-10", "global_id": "webtext-fineweb__CC-MAIN-2021-10__0__7568005", "lang": "en", "text": "Fees are refundable up to one (1) month prior to the event, minus a $25 processing fee.\nIf cancellation occurs fourteen (14) business days prior to the class, you will incur a cancellation fee equal to 20% of the class price.\nIf cancellation occurs ten (10) business days or less prior to the class, you will incur a cancellation fee equal to 40% of the class price.\nIf you have personal credit, it must be used within 12 months, and NO refunds in the form of payment will be made, even if you cancel within fourteen (14) days prior to the start of a class. Once funds are credited from one class to another, the funds must remain as a credit (no refunds) in further transactions.\nOn rare occasions, we may have to move class location or cancel classes due to insufficient enrollment or unforeseen circumstances. Registrants will be notified [by email and telephone] before the event, and full refunds will be issued by the way it was received. If this occurs, our responsibility is limited to a refund of any registration fees you’ve already paid. Primordial Alchemist, Inc is not responsible for airline tickets (you can purchase airline insurance), other payments or Hotel fees, or any similar fee penalties that you may incur as a result of any trip cancellations or changes. Please allow ten business days for us to process any refunds or credit changes.", "domain": "economics"}
+{"url": "https://www.allguildfordjobs.com/recruitment-news/965/Project-launched-in-Guildford-to-help-jobseekers-and-unemployed-youngsters/", "date": "2024-03-03T16:35:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476396.49/warc/CC-MAIN-20240303142747-20240303172747-00083.warc.gz", "language_score": 0.9739053845405579, "token_count": 285, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__89518466", "lang": "en", "text": "A new project was launched earlier this year to tackle the problem of youth unemployment and to help support those on job seekers in Guildford. The project involves a number of local organisations working together to provide suitable job training, teaching vital skills needed for the workplace, as well as offering job opportunities with Guildford based companies. Guildford Council and Guildford YMCA are among some of the organisations who are backing the project.\nThe aim is to work with local job seekers and youth who are unemployed, to develop their education and workplace training to improve their employability. The scheme also gives job seekers some structure and clear goals to aim for. They will receive excellent training and can gain recognised qualifications through the project.\nThe project will involve a number of job opportunities across a range of employment sectors from council work right through to gardening. The project was launched earlier this year and is set to continue for two years, with the idea that it will be reviewed and hopefully continued post 2015.\nThe project is based at Guildford Bike Project’s shop, and the Council has plans to invest in developing the space to suit the services on offer. The project is a chance for local organisations to work together towards a shared goal. Youth unemployment has reached an all time high; by working together companies can try to tackle the problems at hand in the local area. The whole of the Guildford community will inevitably benefit from the project.", "domain": "economics"}
+{"url": "http://www.thorntondirectory.co.uk/2018/09/press-release-12th-sept-2018/", "date": "2019-01-20T01:17:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583688396.58/warc/CC-MAIN-20190120001524-20190120023524-00611.warc.gz", "language_score": 0.9525255560874939, "token_count": 1307, "dump": "CC-MAIN-2019-04", "global_id": "webtext-fineweb__CC-MAIN-2019-04__0__15671770", "lang": "en", "text": "12th September 2018\nFor immediate release\nThornton Directory named one of UK’s top 100 small businesses by Small Business Saturday\nA Bradford community magazine, based in the Bronte birthplace village of Thornton has been selected as one of Small Business Saturday’s top 100 companies for 2018. Thornton Directory is celebrating being recognised for championing local businessend supporting community organisations in its monthly publication in the SmallBiz100 list. The community magazine has been selected as a trail-blazer in the official count-down to Small Business Saturday, which takes place across the UK on 1 December 2018.\nSmallBiz100 highlights 100 amazing small businesses in the 100 days leading up to Small Business Saturday Thornton Directory, it’s achievements and contribution to the local community will be celebrated and spotlighted on Sunday 16th September.\nThe 2018 Small Biz 100 are drawn from every corner of the UK and reflect the vibrancy of the UK’s 5.5 million small businesses. This year’s cohort joins hundreds of previous SmallBiz100 alumni champions, which have been celebrated by the iconic campaign since its UK launch in 2013.\nThornton Directory has been the community magazine for Thornton and surrounding areas for 12 years and is delivered to thousands of homes and community pick up points every month. In the last four years it has also been available to download online for those who like to read on the go and has a strong social media presence for local news between issues.\nThe publication is truly embedded in the community, getting involved in community events and organisations, championing local businesses through advertising opportunities and encouraging community contributions to their local news, community updates and what’s on sections of the magazine. They even launched and look after the fast growing Thornton Rocks group, spreading kindness on decorated rocks which has brought a real buzz to the village and encouraged people to enjoy the outdoors. It is this strong connection between community and small businesses which Thornton Directory prides itself on and is one of the reasons they were specially chosen to be a SmallBiz100 trailblazer.\nNeil Bird, editor of the Thornton Directory said:\n“We are thrilled that the Thornton Directory has been selected as one of this years SmallBiz100 alongside such fantastic companies. It’s an amazing opportunity to celebrate all that we do as a community magazine and to showcase our community and local businesses, not just here in Yorkshire, but across the UK.\nThornton Directory is all about connecting local people to local businesses. Every day we champion other small businesses. Seeing them succeed and helping new ones launch with a clear identity is fantastic to be a part of. It’s really special to us that the Thornton Directory is so well read and respected in the local community. Each month local people contribute news and stories to make their community magazine the success that it is.\nOn the back of the success of the magazine, and as a result of community feedback, we also launched a Queensbury Directory three years ago. As part of the SmallBiz100 celebrations, this week we are delighted to announce that we are launching our third publication, the Bingley Directory.”\nSmall Business Saturday UK is a grassroots, non-commercial campaign, which highlights small business success and encourages consumers to ‘shop local’ and support small businesses in their communities. Now in its sixth year, it is the UK’s most sucessful small business campaign, which last year saw an estimated £748m spent with small businesses across the UK on Small Business Saturday.\nThe #SmallBizSatUK campaign trended at number one in the UK on Twitter during 2017, reaching over 115 million people globally. The Prime Minister and the Mayor of London were among those publicly supporting the campaign. Over 87% of local councils also supported the campaign.\nDirector of Small Business Saturday UK, Michelle Ovens said:\n“The launch of the Small Biz 100 marks the exciting count-down to Small Business Saturday 2018. We are thrilled to highlight the dynamic, creative and inspiring small businesses from across the country, as part of our campaign to celebrate and champion the success of the UK’s small businesses. The Small Biz 100 showcases the companies at the heart of the UK’s economy, which we need to support now more than ever.”\nSmall Business Saturday 2018 is open to all businesses to participate in, and will commence its regional bus tour roadshow across the UK during the autumn, to drum up further support.\n- Ends -\nPhotograph attached, with permission to use, of Neil Bird, Thornton Directory editor, with previous issues of the magazine, next to Thornton Viaduct.\nNotes to Editors\nName: Neil Bird, Thornton Directory\nPhone: 07830 231606\nAbout Thornton Directory\nWest Yorkshire small business, the Thornton Directory is a community magazine delivered FREE door to door to homes and businesses in Thornton and surrounding areas. Each month the magazine reaches thousands of readers with its local news, community group updates, local history articles, sports news, what’s on and local business advertising.\nThe community publication, which is now celebrating its 12th year is now also available to download on line and they have a strong social media presence sharing local news and events between issues.\nThornton Directory has a loyal readership as it champions the important connection between community organisations and small businesses, being the go to place for information in the area. This reputation led to their launch of the Queensbury Directory three years ago due to public demand and the launch of Bingley Directory this year on their special SmallBiz100 day.\nWith its strong history in working with small businesses, Thornton Directory also works with local advertisers on their branding and marketing to help them have the best results possible.\nAbout Small Business Saturday\nSmall Business Saturday UK is a grassroots, non-commercial campaign, which highlights small business success and encourages consumers to ‘shop local’ and support small businesses in their communities.\nThe day itself takes place on the first Saturday in December each year, but the campaign aims to have a lasting impact on small businesses.\nOn Small Business Saturday, customers across the U.K go out and support all types of small businesses, online, in offices and in stores. Many small businesses take part in the day by hosting events and offering discounts.\nMore information on Small Business Saturday can also be found at:", "domain": "economics"}
+{"url": "http://www.cvitec.de/about.html", "date": "2023-11-29T11:32:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100081.47/warc/CC-MAIN-20231129105306-20231129135306-00088.warc.gz", "language_score": 0.9628015756607056, "token_count": 403, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__236607390", "lang": "en", "text": "CViTec GmbH is one of the world’s leading companies in LED lighting business. It was established in May 2010. The head office locates in the City Eschborn in Germany, and owns three sales companies worldwide: the first is ART LIGHTING Co., Ltd., locates in China with main business of lighting fixture products. The second is CVL Lighting Co., Ltd., also locates in China and focuses on lighting source products. The third company is CViTec USA, its location is in North America, focuses on lighting luminaires and lighting source.\nCViTec GmbH has four factories in China: Sunlight factory was founded in 2001 for LED Chips production, Civilight factory in 2006 for LED driver production, Easylight factory in 2008 for production of lighting source, and the new FOSHAN factory, founded in 2015 for lighting luminary’s production.\nCViTec GmbH has two famous brands, CViTEC® and CIVILIGHT®. CIVILIGHT® has been established for more than 12 years and has attained a very good reputation worldwide, especially in European market. It focuses on lighting source products, such as spotlight, bulbs and other lighting source. CViTEC® was established 3 years ago, specialized on hotel lighting, shop lighting and also industry lighting and outdoor lighting.\nCViTec GmbH has formed a long-year experienced R&D team for new products and new technology, is very strong at innovation. We have a lot of patent designs, such as special HALED™ patent design for spotlight, and LEDincand™ patent design for LED bulbs, most of the products have high CRI around Ra95 (with SUNWHITE™ Technology). And for LED drivers, they are all designed and produced by ourselves to keep the best quality. All products have CE, PSE or UL certificates to meet different market requirements for certification.", "domain": "economics"}
+{"url": "http://en.nthkjx.com/about.html?introId=1", "date": "2024-04-15T12:42:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816977.38/warc/CC-MAIN-20240415111434-20240415141434-00257.warc.gz", "language_score": 0.9072118997573853, "token_count": 631, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__112201903", "lang": "en", "text": "- Categories:About Us\n- Time of issue:2020-04-18 00:00:00\nNantong Hengkong Machinery Co., Ltd. is located in the beautiful and fertile Nantong City of Binhai Linhai. It is a professional enterprise engaged in the development, design, manufacture and sale of roll processing equipment. The existing production standard workshop is more than 10,000 square meters, and the fixed assets are more than 10 million. According to the manufacturing process of mechanical machine tools, the factory has large parts processing workshop, metal processing workshop, paint workshop and assembly debugging workshop. At present, there are more than 40 engineering technicians.\nSince its establishment in 2017, the company has followed the development policy of \"elite talents, perfect management, advanced technology, and honest service\", and its design level, manufacturing capacity and sales performance have reached a new level in one year. Independent research and development of \"roller end CNC lettering machine tool\", \"heavy-duty rail beam steel roller marking CNC engraving and milling machine\", domestic three-rail \"roller transverse rib groove (crescent groove) CNC combined processing machine tool without disassembly, replacement or moving parts\", etc. Special equipment has obtained many national patents.\nThe company's professional design and manufacturing team, advanced process equipment and perfect testing methods ensure that \"Hengkong\" products are advanced in technology and stable in quality. The products sell well in major domestic steel companies and are exported to many countries and regions in Southeast Asia, the Middle East, Europe and America.\nAll \"Hengkong\" people will adhere to the business philosophy of \"people-oriented, customer first\" and the working spirit of \"research and the bank, excellence\", and constantly develop new technologies and cost-effective products in return for customers and friends from all walks of life. Our support and love.\nMachining equipment includes: 4-meter gantry milling machine, 4-meter gantry mill, T611 boring machine, M7150 surface grinder, CNC lathe, CNC milling machine, rocker drilling machine, etc.\nSpecializing in the production of XK500A, XK500H, CNC roll crescent groove processing machine tools, CK8450, CK8465, CK8480 series CNC roll lathes, CK9380 checkered plate CNC turning and milling centers, CA8450, CA8465 digital display roll lathes, ZM10 precision universal grinding machine and other related accessories product.\nOur company has now become a well-known enterprise with a certain reputation in the domestic steel enterprises, metallurgical design institute roll processing machine tool industry.\nWe warmly welcome new and old friends at home and abroad to write to us to discuss business and visit guidance, and pay tribute to the majority of users and industry professionals who care about our company!\nScan the QR code to read on your phone\nHengkong—Specializing in CNC roll processing machine tools", "domain": "economics"}
+{"url": "http://www.texasangus.com.au/News/news27.html", "date": "2013-05-19T23:48:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368698150793/warc/CC-MAIN-20130516095550-00012-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9601355791091919, "token_count": 398, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__125866293", "lang": "en", "text": "|Texas Genetics paying big dividends in Northern New South Wales\nSam and Jenny Bailey of “Pine Hills” Croppa Creek took out the prize for the best Pen of British or British Cross Steers at the Inverell Blue Ribbon Weaner Sale on April 30 this year with a pen of 16 ten-month-old Angus steers, weighing an average 321kg. The pen of steers also won the overall top prize for the Grand Champion Pen against more than 4000 weaners at the same sale. Sam and Jenny have been purchasing Texas Angus Stud bulls since 2001. A large proportion of the prize-winning steers carried Texas bloodlines, via both sires and Sam and Jenny’s breeding herd, which includes a large number of cows by Texas bulls.\nSam and Jenny currently run an Angus herd of 120 cows, with plans to expand over the next few years by retaining their own heifers. They target the weaner market, turning eight to ten-month-old steers off their mothers and either selling at the feature weaner sales or on farm. Their goal is to get maximum growth between 200 and 400 days in their steers, while producing good framed, very quiet fertile heifers which produce plenty of milk. They put their main focus on looking after their cow herd, to the extent of putting in oats solely for their cows. Their philosophy is ‘if you look after the cow, the cow will look after the calf’.\nThey choose Texas bulls because of their growth, frame and bone, milking ability and very importantly, quiet temperament.\nCongratulations to Sam and Jenny for their very successful book “Head Over Heels” and their expanding public speaking, they certainly have put Croppa Creek on the map!\nPhoto (left to right Mark Smith, McGregor’s Agricultural Services, Sam and Jenny Bailey and Doug Smith, McGregor’s Agricultural Services Warialda)", "domain": "economics"}
+{"url": "https://aphorism-project.eu/project-structure/wp6.html", "date": "2019-12-06T13:26:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540488620.24/warc/CC-MAIN-20191206122529-20191206150529-00128.warc.gz", "language_score": 0.8982492089271545, "token_count": 182, "dump": "CC-MAIN-2019-51", "global_id": "webtext-fineweb__CC-MAIN-2019-51__0__43137752", "lang": "en", "text": "The WP6 objectives are the identification and the analysis of all technical, management and economic aspects related with the delivery of commercial (and, eventually, non-commercial) services, associated with the scope of APHORISM results, to end-user (customer) communities. The outcomes will describe the Institutional and Research markets that operate in the European Union in terms of the systems, applications and market players with a particular emphasis on the air traffic control. An estimate of the size of the market, with a particular focus on its growth in the short, medium and long term, will be done, including an asseement of the potential requirement for APHORISM systems and possible market sector options.\nLIST OF TASKS:\nT6.1 - Market Data Collection and Collation\nT6.2 - Focused Marketing Analysis\nT6.3 - Develop High Level Business Plan", "domain": "economics"}
+{"url": "https://urbanpeacemovement.org/raising-the-oakland-minimum-wage-lift-up-oakland-coalition/", "date": "2024-03-05T14:58:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707948235171.95/warc/CC-MAIN-20240305124045-20240305154045-00537.warc.gz", "language_score": 0.936939537525177, "token_count": 221, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__85484858", "lang": "en", "text": "In the fall of 2014, UPM youth members joined the Lift Up Oakland Coalition to help pass Measure FF and raise Oakland’s minimum wage from $9 an hour to $12.25. Measure FF passed with a resounding 81.7% of the vote demonstrating overwhelming support for a fair wage that better reflects the rising cost of living in Oakland. UPM members helped gather signatures, knocked on doors, and hosted their own public awareness rally in the heart of the busy Fruitvale district.\nMeasure FF gave 48,000 workers a raise and provided paid sick days for an estimated 56,700 workers. While Oakland is becoming a much more attractive destination for tourists and the bourgeoning tech industry, the unequal income gap between newcomers and long time residents is growing. When jobs fail to provide a livable wage, the underground street economy ends up being the only choice to survive. This creates a situation where our city’s most vulnerable residents are exposed to higher rates of violence. Raising the wage for low-income families and increasing economic opportunity is a step toward a more peaceful Oakland community.", "domain": "economics"}
+{"url": "http://rbsa.org.uk/about-us/100-club/", "date": "2017-04-30T07:08:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917124371.40/warc/CC-MAIN-20170423031204-00580-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9586077928543091, "token_count": 167, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__201368254", "lang": "en", "text": "For just £60 you have a 1 in 100 chance of winning £1,000 – far better odds than a lottery ticket!\nClick the red button below to pay online using your credit or debit card. Alternatively, you can contact the Gallery on 0121 236 4353. We will select the winner of the £1,000 in mid December - just in time to help boost your festive celebrations!\nThe 100 Club has been set up by the Society to raise funds to help towards the running costs of the Gallery. Out of the money raised, £1,000 goes to the winner and the remainder helps pay for costs such as building maintenance and utility bills. The RBSA Gallery does not receive core funding and has to raise funds through a range of activities to remain open. Therefore, all 100 Club entries are greatly appreciated.", "domain": "economics"}
+{"url": "http://www.communitycps.com.au/aspx/term_deposits.aspx", "date": "2013-06-18T06:17:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368706964363/warc/CC-MAIN-20130516122244-00000-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9504289031028748, "token_count": 261, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__31300697", "lang": "en", "text": "You are here: Savings > Term Deposits\nOur term deposits offer you a smarter, safer investment for your money.\nWe offer a Government Guarantee, and a host of features and benefits which include:\nWhat is the Government deposit guarantee?\nOn 12 October 2008 the Prime Minister announced a temporary new scheme to guarantee all deposits held in credits unions, building societies and banks in Australia. The new scheme ensures that depositors with Australian credit unions, banks, and building societies will be guaranteed repayment of their funds in the extremely unlikely event that any banking institution faces stress. The guarantee is free but capped at $1 million per depositor. The scheme was a response to the global economic conditions currently being experienced in global financial markets, and is an extra confidence measure for the already strong Australian banking system.\nOn 10 September 2011 the Treasurer announced that the Government deposit guarantee would be made permanent but at a reduced cap of $250,000. The lower cap applies as follows:-\nFull terms, conditions, fees and charges are available in our Product Guide and Fees and Charges booklets. These booklets are available upon request, can be downloaded from our website, and will be provided at the time of acquiring the product. Before acquiring the product you should consider if this product is appropriate for you.", "domain": "economics"}
+{"url": "https://phuketrealhome.com/properties/new-mono-villas-pasak-2/", "date": "2023-12-04T15:26:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100531.77/warc/CC-MAIN-20231204151108-20231204181108-00619.warc.gz", "language_score": 0.8389341235160828, "token_count": 379, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__246479244", "lang": "en", "text": "A new village of 17 one-storey villas will be built in a beautiful, quiet area of Cherengtaley, five minutes from Bang Tao Beach and the five-star Laguna complex. Has a mesmerizing view of the beautiful tropical mountains and palm forest. The complex consists of 17 villas with private pools. The project is an addition to the already finished complex of 38 modern villas.\nThe villas have a private pool with a terrace, a spacious living room combined with a fully equipped kitchen and dining group with access to the pool, three bedrooms with fitted wardrobes and en-suite bathrooms.\nThe complex has a fitness center, a restaurant with organic cuisine, a shuttle service, where residents can quickly reach the beach, 24-hour security and parking for cars.\nPayment by installments is valid for the construction period. The project provides for a guaranteed rental program, where the owner receives an income of 6% per annum for 3 years.\nunit p2: Type A 3 bedroom Land – 207.20 m2 building – 150.25 m2 price 9.900.000 THB\nunit p12: Type B 3 bedroom Land – 306.00 m2 building – 207.50 m2 price 12.900.000 THB\nunit p18: Type B 2 bedroom Land – 208.80 m2 building – 132.50 m2 price 8.900.000 THB\nunit p19: Type B 2 bedroom Land – 208.80 m2 building – 132.50 m2 price 9.200.000 THB\nunit p22: Type A 2 bedroom Land – 216 m2 building – 164 m2 price 9.600.000 THB\nunit p21: Type C 1 bedroom Land – 168 m2 building – 117 m2 price 6.500.000 THB", "domain": "economics"}
+{"url": "https://paperbg.com/brand/36/apli-ispania.html", "date": "2023-12-02T03:07:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100309.57/warc/CC-MAIN-20231202010506-20231202040506-00186.warc.gz", "language_score": 0.9568455815315247, "token_count": 137, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__229124208", "lang": "en", "text": "APLI - Испания\nAPLI PAPER S.A.U. is the leading company on the Spanish market in manufacturing labels and stationery articles, with more than 65 years' experience in meeting the needs of users in the office, computer, home, shop and school environments. However, APLI is also one of the leading suppliers worldwide, currently exporting its products to more than 85 countries all over the world. Quality, innovation, excellent service and continuous improvement,are the basic pillars of our daily activity. Thanks to this philosophy, we work to meet the needs of users who are increasingly better informed, more efficient and more demanding.", "domain": "economics"}
+{"url": "http://www.acton.onesuffolk.net/", "date": "2018-12-17T01:17:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376828018.77/warc/CC-MAIN-20181216234902-20181217020902-00405.warc.gz", "language_score": 0.9727256298065186, "token_count": 164, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__42045690", "lang": "en", "text": "The Parish Council is an important part of the structure of local democracy and has a vital role in acting on behalf of the communities they represent. The Council has a wide range of powers which essentially relate to local matters. The Parish Council also:-\nThe Parish Council is financed by local residents through the Precept. This is the Parish Council's share of the council tax, and is used to help improve life for the local community in many ways.\nEach year the Parish Council is obliged to assess how much money is required to effectively administer the parish. This is done through a budget process where receipts and payments are considered for the forthcoming year. The Parish Council then notifies Babergh District Council of the amount of money required, which is sent to the Parish Council in two equal amounts in April and September each year.", "domain": "economics"}
+{"url": "https://teeketi.com/en/shipping-information-2/", "date": "2023-06-06T02:11:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224652207.81/warc/CC-MAIN-20230606013819-20230606043819-00288.warc.gz", "language_score": 0.8810318112373352, "token_count": 411, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__255169590", "lang": "en", "text": "DOMESTIC SHIPPING INFO\nShipping inside Greece is provided by Speedex or ACS Courier, with the amount of €2,91 for any t-shirt quantities +1,86 € for Cash on Delivery.\nProvided that we deliver your order to the courier company, it will take 1-3 business days for each order shipped within Greece. However, if the destination is a remote area, there is a possibility of an additional delivery time of 1-2 business days.\nINTERNATIONAL SHIPPING INFO\nThe cost of international Shipping is fixed at 8 € (without Tracking Number)* or 11€ (with Tracking Number) for any international destination**.\nInternational packages are sent by us within 1-3 days via Hellenic Post – ELTA and are received by the customer within an estimated time range of 1-3 weeks***.\n*IMPORTANT: TKT is not responsible for any delays or non-delivery of products shipped without Tracking Number, thus has no financial compensation obligation to the customer in the above mentioned cases.\n**Please note that custom fees and additional charges may be applied to international customers outside the EU.\n***Delays may also occur if kept in the customs offices of the country. If this happens the estimated delivery time may go up to 4-5 weeks. Contact your local customs office for more info.\n|Shipping Option||Delivery Time||Cost|\n|Shipping inside Greece (online payment)||1-3 Business Days (1-5 Business Days for remote areas)||2,91€ - FREE for orders over 40€|\n|Shipping Inside Greece (Cash on Delivery)||1-3 Business Days (1-5 Business Days for remote areas)||4,77€ - 1,86€ for orders over 40€|\n|Shipping Outside Greece (without Tracking Number)||1-3 Weeks||8,00 €|\n|Shipping Outside Greece (with Tracking Number)||1-3 Weeks||11,00 €|", "domain": "economics"}
+{"url": "https://www.basicfeather.com/en-eu/pages/forsendelse-retur", "date": "2024-04-17T20:01:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817171.53/warc/CC-MAIN-20240417173445-20240417203445-00565.warc.gz", "language_score": 0.959913969039917, "token_count": 425, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__78977782", "lang": "en", "text": "At Basic Feather you get free worldwide shipping at any purchase of more than 60 USD (or equivalent in your local currency).\nIt's incredibly important to us that it's just as easy or even easier to shop your racket online than at your local store.\nThat's why we offer a 30-day satisfaction guarantee on all racket purchases. Even if you've scratched the racket, changed the grip, new stringing or whatever it might be. You can read more about our satisfaction guarantee here.\nShould you need to return your racket, simply do as described below:\n1. Write an email to firstname.lastname@example.org\n2. We will send you an email with a prepaid return label, which you must print and stick on the package.\n3. Go down to your local post office with the package\n4. Once we have received the package, we will start the return to you.\nPlease save the packaging until you are absolutely sure to keep the item. By doing this, you do not have to go out and find new packaging if, contrary to our expectations, you would like to return your purchase.\nWould you rather exchange your item for another product or size?\nOf course, we can do that too. Write an email to email@example.com and tell us what you'd like to exchange your item for. If you are unsure if there is another product you prefer, see our range here.\nIf you have any money receivables after exchanging a product, you are able to receive these as a refund or a gift voucher to our shop.\nIf you choose the pay out, the money will be credited back to the credit card used for the purchase as soon as we have received your refunded item and exchanged new one.\nWhen returning clothes, it must be returned in the same condition in which you received them. This means that the hangtag must be attached upon return, otherwise we will unfortunately not be able to make a refund.", "domain": "economics"}
+{"url": "https://sfga.info/services/virtual-currency-deposit", "date": "2024-04-15T03:06:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816939.51/warc/CC-MAIN-20240415014252-20240415044252-00141.warc.gz", "language_score": 0.8396145701408386, "token_count": 257, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__22000404", "lang": "en", "text": "This page details the Cryptocurrency Deposit service included in the Basic Plan of “SF Global Account (hereafter SF account)”.\nYour SF Account comes with a wallet that stores cryptocurrencies and can be accessed from multiple devices such as your PC or smartphone. As you can manage all your money and digital assets on a single interface, you can get a good idea of the status of your finances at a glance. As 2-factor authentication is required to login to your SF account, the wallet boasts a high level of security. If you feel uncomfortable about leaving your cryptocurrencies on wallets of cryptocurrency exchanges, please do use SF account which provides a high level of safety and usability.\n*Using the same account, you can store your cryptocurrencies on an online hot wallet, offline (not connected to the internet) cold wallet, or access the global market and trade them.\n|Asset Ticker Symbol", "domain": "economics"}
+{"url": "https://wiiloaded.com/this-is-a-really-good-time-to-invest-in-real-estate-in-malaysia/", "date": "2023-09-23T08:58:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506480.35/warc/CC-MAIN-20230923062631-20230923092631-00106.warc.gz", "language_score": 0.9370073080062866, "token_count": 741, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__233241737", "lang": "en", "text": "Malaysia is a country renowned for its incredible cuisine, rich cultural heritage, and booming urban development. It is no surprise then that over the years, it has become a hotspot for real estate investors worldwide. But with recent market fluctuations, changing regulations, and global economic turmoil, you might wonder if now is still a good time to invest in Malaysian real estate. We’re here to tell you – it absolutely is! In fact, there has never been a better time than now to seize the opportunity and stake your claim on Malaysian soil.\nHere are some of the top reasons why this is an excellent time to invest in real estate in Malaysia:\n1. Attractive property prices\nDespite the impressive skyline and modern infrastructure found in Malaysian cities, property prices remain relatively low compared to other similarly developed countries in the region. This provides attractive entry points for both domestic and foreign investors alike.\nMoreover, recent economic uncertainties have caused some cooling measures within the real estate market, which resulted in housing prices being adjusted. This means that there are even more opportunities for value buyers who can spot undervalued properties.\n2. Favorable loan interest rates\nIn response to concerns over potential economic impacts of COVID-19, Bank Negara Malaysia has reduced the Overnight Policy Rate (OPR) four times in 2020, reaching a record low of 1.75%. As a result, Malaysian banks are offering historically low-interest rates on housing loans. This decreases financing costs for potential investors and makes owning property more affordable.\n3. Expanding middle class\nMalaysia’s impressive economic growth over recent decades has contributed to an expanding middle class with increasing disposable income. As such, there is a growing demand for higher-quality homes as young professionals and families look towards upgrading their living conditions. This increased demand bodes well for property investors looking to satisfy these needs by investing in residential real estate.\n4. Growing tourism industry\nTourism contributes significantly to Malaysia’s economy and has experienced continual growth over recent years. With diverse travel hotspots ranging from Penang’s historic Georgetown to Langkawi’s idyllic beaches, there is no shortage of tourist attractions that appeal to both domestic and international travelers.\nAs tourism numbers continue to rise, so too does the demand for suitable accommodation through hotels or home-sharing services like Airbnb. Investing in properties tailored for short-term rentals can provide healthy returns as tourism continues to thrive within Malaysia.\n5. Government initiatives\nThe Malaysian government has been putting efforts into attracting foreign direct investments (FDI) into the country’s property market. The Malaysia My Second Home (MM2H) Program is one such initiative aimed at enticing foreigners to purchase residential property within the country by offering long-term visa extensions and other perks.\nAdditionally, government-led projects like the construction of the new Kuala Lumpur-Singapore High-Speed Rail and expansion of public transportation networks have the potential to increase demand for real estate near these developments.\nWhen looking at these factors collectively, it becomes clear that now is an opportune time for both aspiring and seasoned investors alike when it comes to purchasing Malaysian property. With attractive prices, unprecedented financing opportunities, burgeoning consumer demands driven by population growth, rising tourism numbers bolstered by government initiatives – who wouldn’t want a piece of this thriving market?\nSo whether you’re looking for capital appreciation or rental income (or perhaps even both), consider making Malaysia’s real estate market part of your investment strategy today—before others catch on—and soon enough, you’ll be reaping the unparalleled benefits that come with it!", "domain": "economics"}
+{"url": "http://www.ttpinc-temp-agencies-temporary-jobs-staffing-services.com/5-benefits-telecommuting-employers-employees/", "date": "2017-09-20T14:44:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-39/segments/1505818687324.6/warc/CC-MAIN-20170920142244-20170920162244-00514.warc.gz", "language_score": 0.9701101779937744, "token_count": 599, "dump": "CC-MAIN-2017-39", "global_id": "webtext-fineweb__CC-MAIN-2017-39__0__13098547", "lang": "en", "text": "5 Benefits of Telecommuting for Employers and Employees\nMany contend that telecommuting has an overwhelming number of benefits, not just for employees, but employers as well. Here are 5 ways in which telecommuting is a win/win.\nOne of the major misconceptions about telecommuting is that once employees are out of sight, they will slack off—big time. Nothing could be further from the truth, though. Case in point: One Stanford study that showed that call center employees actually increased their productivity by 13% when allowed to work from home. And another study from University of Texas, Austin showed that telecommuters worked 5-7 hours more than their in-office counterparts.\nWhen employees are unhappy with their commutes, they might be more apt to call in sick—or look for another position that will allow them to work remotely and subsequently quit. Lost productivity can cost a company thousands of dollars—and that number can skyrocket when the employee actually does resign. Employees who are given the option to telecommute are reportedly much happier (73%) with their employers and their ability to telecommute than traditional office workers (64%). Being happier in their jobs means that employees are much more likely to stay in their positions, which saves a company a lot of money in the long run.\nLet’s say that you’re caring for aging parents, and you need to take them for frequent doctors’ visits. By being able to work from home—and have a better work life balance—employees become happier and feel valued. In turn, that happiness turns into gratitude, causing employees to become more invested in the companies they work for—and work harder. In fact, a study from Pennsylvania State University shows that telecommuters are generally less stressed and happier than those who work in an office.\nThe vast majority of employees drive in to work each day. All that pollution can (and does) take a huge toll on the environment. A recent study conducted by the Consumer Electronics Association found that telecommuting saves enough energy to power one million homes in the United States for an entire year! In that way, both companies—and their workers—can greatly reduce their carbon footprint when employees work from home.\nIf you thought that only employees benefit financially from working from home, think again. Sure, employees will avoid added expenses that come with working in an office (such as commuting costs, or having to buy office attire and daily lunches), but employers save big bucks as well. It’s estimated that for each employee who telecommutes, a company saves about $11,000 annually.\nWith its numerous benefits, more and more companies are allowing their employees to work remotely. Whether it’s one day or five days a week, not only does telecommuting greatly benefit the environment, but it strengthens a company financially and creates a more invested, cohesive—and most importantly, happy—workforce.", "domain": "economics"}
+{"url": "https://hurleymedleycpa.com/march-2019-weigh-the-tax-impact/", "date": "2023-09-28T05:08:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510358.68/warc/CC-MAIN-20230928031105-20230928061105-00636.warc.gz", "language_score": 0.9465510845184326, "token_count": 1347, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__256548967", "lang": "en", "text": "25 Sep March 2019Weigh the Tax Impact of Income vs. Growth When Investing\nAs the 2018 tax-filing season heats up, investors have much to consider. Whether you structured your portfolio to emphasize income over growth — or vice versa, or perhaps a balance of the two — will have a substantial impact on your tax liability. Let’s take a look at a couple of the most significant “big picture” issues that affect income vs. growth.\nOne benefit of dividends is that they may qualify for preferential long-term capital gains tax rates. For the 2018 tax year, the top rate is 20% for high-income taxpayers (income of $425,800 or more). For those with incomes between $38,601 and $425,800, the rate is 15%. Individuals with incomes of $38,600 and below pay 0% on long-term capital gains.\nKeep in mind, however, that only “qualified dividends” are eligible for these rates. Nonqualified dividends are taxed as ordinary income at rates as high as 37% for 2018. Qualified dividends must meet two requirements. First, the dividends must be paid by a U.S. corporation or a qualified foreign corporation. Second, the stock must be held for at least 61 days during the 121-day period that starts 60 days before the ex-dividend date and ends 60 days after that date.\nA qualified foreign corporation is one that’s organized in a U.S. possession or in a country that has a current tax treaty with the United States, or whose stock is readily tradable on an established U.S. market. The ex-dividend date is the cutoff date for declared dividends. Investors who purchase stock on or after that date won’t receive a dividend payment.\nTiming is everything\nOne disadvantage of dividend-paying stocks (or mutual funds that invest in dividend-paying stocks) is that they accelerate taxes. Regardless of how long you hold the stock, you’ll owe taxes on dividends as they’re paid, which erodes your returns over time.\nWhen you invest in growth stocks (or mutual funds that invest in growth stocks), you generally have greater control over the timing of the tax bite. These companies tend to reinvest their profits in the companies rather than pay them out as dividends, so taxes on the appreciation in value are deferred until you sell the stock.\nKeeping an eye out\nRegardless of your investment approach, you need to understand the tax implications of various investments so you can make informed decisions. You should also keep an eye on Congress. As of this writing, further tax law reform beyond the Tax Cuts and Jobs Act of 2017 isn’t on the horizon — but it’s being discussed. Contact our firm for the latest news and to discuss your tax and investment strategies.\nSidebar: What are your investment objectives?\nWhen re-evaluating your investment portfolio, it’s important to consider whether your objectives have changed. There are many factors to consider, both tax and nontax. Some investors seek dividends because they need the current income or they believe that companies with a history of paying healthy dividends are better managed. Others prefer to defer taxes by investing in growth stocks. And, of course, there’s something to be said for a balanced portfolio that includes both income and growth investments. When preparing to file your 2018 taxes, take a moment to identify your objectives and determine if you met them or fell short.\nDeducting Charitable Gifts Depends on a Variety of Factors\nWhether you’re planning to claim charitable deductions on your 2018 return or make donations for 2019, be sure you know how much you’re allowed to deduct. Your deduction depends on more than just the actual amount you donate.\nWhat you give\nAmong the biggest factors affecting your deduction is what you give. For example:\nCash or ordinary-income property. You may deduct the amount of gifts made by check, credit card or payroll deduction. For stocks and bonds held one year or less, inventory, and property subject to depreciation recapture, you generally may deduct only the lesser of fair market value or your tax basis.\nLong-term capital gains property. You may deduct the current fair market value of appreciated stocks and bonds held for more than one year.\nTangible personal property. Your deduction depends on the situation. If the property isn’t related to the charity’s tax-exempt function (such as a painting donated for a charity auction), your deduction is limited to your basis. But if the property is related to the charity’s tax-exempt function (such as a painting donated to a museum for its collection), you can deduct the fair market value.\nVehicle. Unless the vehicle is being used by the charity, you generally may deduct only the amount the charity receives when it sells the vehicle.\nUse of property or provision of services. Examples include use of a vacation home and a loan of artwork. Generally, you receive no deduction because it isn’t considered a completed gift. When providing services, you may deduct only your out-of-pocket expenses, not the fair market value of your services. You can deduct 14 cents per charitable mile driven.\nFirst, you’ll benefit from the charitable deduction only if you itemize deductions rather than claim the standard deduction. Also, your annual charitable deductions may be reduced if they exceed certain income-based limits.\nIn addition, your deduction generally must be reduced by the value of any benefit received from the charity. Finally, various substantiation requirements apply, and the charity must be eligible to receive tax-deductible contributions.\nFor 2018 through 2025, the Tax Cuts and Jobs Act nearly doubles the standard deduction – plus, it limits or eliminates some common itemized deductions. As a result, you may no longer have enough itemized deductions to exceed the standard deduction, in which case your charitable donations won’t save you tax.\nYou might be able to preserve your charitable deduction by “bunching” donations into alternating years, so that you’ll exceed the standard deduction and can claim a charitable deduction (and other itemized deductions) every other year.\nThe years ahead\nYour charitable giving strategy may need to change in light of tax law reform or other factors. Let us know if you have questions about how much you can deduct on your 2018 return or what’s best to do in the years ahead.", "domain": "economics"}
+{"url": "http://equop.ulb.ac.be/news", "date": "2018-03-25T01:12:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-13/segments/1521257651481.98/warc/CC-MAIN-20180325005509-20180325025509-00491.warc.gz", "language_score": 0.9679051637649536, "token_count": 346, "dump": "CC-MAIN-2018-13", "global_id": "webtext-fineweb__CC-MAIN-2018-13__0__210092257", "lang": "en", "text": "In a statement on 7 November 2014 Flemish Minister of Education Hilde Crevits (christian democratic party) announced she would change the policy for school financing, making allocation of funding less dependent on socio-economic characteristics of the student population. The Minister does not want to change the policy which allocates more teaching staff to schools with a higher proportion of disfavoured children (measured through indicators such as highest educational degree of the mother and language spoken at home), but she does want to change the system for basic financing of schools in order to \"in the future allocate the same amount of money to each child\". Although the details of this policy change remain unclear and would depend on the outcomes of a budgettary check and a scientific evaluation, the intention is clearly formulated in the Flemish government agreement and reiterated by the Minister in her statement that the current differentiated basic financing of schools (which partially takes into account characteristics of pupils in budget allocation) would be abolished. The end goal, \"allocating the same amount of money to each child in all schools\", boils down to giving less money to schools with a higher proportion of disfavoured children. Several policy actors on the local level (the aldermen for education of the cities of Ghent and Antwerp), the \"organizing powers\" (the bodies running the schools), politicians and educational scientists have raised objections and sometimes fierce criticism. Former Minister of Education Frank Vandenbroucke (socialist party), who had introduced differential financing of schools a decade before, had already published an open letter (weeks before the public announcement by Minister Crevits) to warn against the policy change announced in the Flemish government agreement.", "domain": "economics"}
+{"url": "http://jaynescraftycorner.blogspot.com/p/join-my-team.html", "date": "2018-07-18T19:58:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676590329.25/warc/CC-MAIN-20180718193656-20180718213656-00188.warc.gz", "language_score": 0.95914626121521, "token_count": 571, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__238278587", "lang": "en", "text": "Have you ever wondered how to become a Stampin' Up demonstrator in the UK?\nWell, it's easy! All you do is purchase the Starter Kit! This costs only £99 and is valued at more than £130 with £35 business pack free.\nThe kit is fully customisable so it can fit in with you, perfect!\nOnce you've bought your kit you will have Active Demonstrator status which entitles you to:\n- A massive 30% discount on your first order if you spend £150 or more in the first 45 days of becoming a demonstrator\n- 20% discount on the rest of your orders\n- Access to the demonstrator website with all its fantastic resources\n- Opportunities to earn free stamp sets and cash awards in your first 6 months\n- Previews of new products and catalogues\n- The opportunity to attend monthly, quarterly and regional training events\n- Invitations to demonstrator-only promotions and events - including the annual convention (held at Disneyland Paris this year!, and in Germany in 2012)\n- The opportunity to earn luxury, all-expenses-paid trips\nIn order to keep your Active Demonstrator status, you will need to make minimum sales of £225 net per quarter (which works out at £90 a month including VAT.) Some people cover this with their own orders, with occasional orders from friends and family. Some take it a step further by setting up classes and workshops and increasing orders that way, while others make Stampin' Up a full-time career focus.\nPeople join Stampin' Up for many different reasons. What kind of demonstrator would you be?\n- Discount demonstrator: Buys discounted stamps and supplies for personal use and occasionally sells to family and friends.\n- Short-term demonstrator: Works to earn a specific amount of money and stops when the goal is reached.\n- Hobby demonstrator: Enjoys running workshops and classes and earning extra money when it's convenient; works a lot some months and very little or not at all at other times.\n- Seasonal demonstrator: Works hard running workshops during September, October and November and maintains minimal sales during the rest of the year.\n- Stay-at-home mum demonstrator: Runs her business around her family commitments, doing workshops a few nights a month to make extra money.\n- Career demonstrator: Views Stampin' Up as a viable business with long-term career potential; is ambitious to move up the career ladder and works consistently at her business.\nThere are any number of ways to make being a demonstrator work for you - Stampin' Up is as individual as you are!\nIf this is something which interests you don't hesitate to contact me to discuss further at firstname.lastname@example.org", "domain": "economics"}
+{"url": "https://theblacksheepagency.com/bcorp/", "date": "2019-10-17T16:22:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986675409.61/warc/CC-MAIN-20191017145741-20191017173241-00493.warc.gz", "language_score": 0.9727094769477844, "token_count": 183, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__101522324", "lang": "en", "text": "The world is changing, and soon, corporate social responsibility is going to be a non-negotiable. In fact, it already is. The rising generations are not only socially conscious, but socially demanding—they want to work for, buy from, or interact with organizations that exemplify their values, and they are pushing for purpose. Real purpose. So, how are you working to #GivePurposePurpose?\nFor seven years, The Black Sheep agency has put making an impact for our clients and ourselves front and center. In 2014, we doubled down on our community-based work, made the leap to become a completely cause-driven agency. As of July 2016, we proudly announced our status as a certified B Corp. After meeting the rigorous criteria, we’re excited to join the ranks of over 1,800 other businesses that care as much as we do about making a difference.", "domain": "economics"}
+{"url": "https://stelterr.com/products/stelterr-welcomes-tennsco-and-metalware/", "date": "2023-06-10T06:58:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224657144.94/warc/CC-MAIN-20230610062920-20230610092920-00128.warc.gz", "language_score": 0.8409379124641418, "token_count": 176, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__305372949", "lang": "en", "text": "Stelterr Factory Direct is proud to announce that we have reached an agreement to stock and offer Tennsco and Metalware products in Canada. These new partnerships offer Stelterr’s dealer network and customers a broader mix of high quality products for storage in commercial and industrial applications.\nIn partnership with Tennsco, Stelterr now offers:\n- L&T File Shelving\n- Tennsco Industrial and Commercial Shelving\n- Tennsco Office Products\n- File Cabinets\n- Storage Cabinets\n- Specialty Cabinets\nIn partnership with Metalware, Stelterr now offers:\n- Interlock Shelving\n- Widespan Shelving\nFor brochures, specifications and price lists, and other updates please use your dealer login or contact us.", "domain": "economics"}
+{"url": "https://drivern.com/co-op", "date": "2024-03-04T22:15:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476532.70/warc/CC-MAIN-20240304200958-20240304230958-00284.warc.gz", "language_score": 0.9597533941268921, "token_count": 1196, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__78515826", "lang": "en", "text": "On December 21, 1843, a small group of men and women joined together to open the Rochdale Pioneer Society. This became the first “modern-era” cooperative in the English speaking world. The cooperative was based on simple principles: provide quality goods and services at a reasonable price and provide a decent place of employment. Since then, cooperatives have blossomed to include every aspect of human enterprise. Today, the cooperative model includes financial institutions and insurance (credit unions and mutuals), consumer cooperatives, producer cooperatives, housing cooperatives, and worker cooperatives. While the services and goods provided by cooperatives and credit unions are as divergent as the people using and providing them, all cooperatives and credit unions are bound by a single identity. Simply put, cooperatives are democratically controlled enterprises. They operate on the basis of “one-member, one-vote” instead of “one share, one vote”. We present the following resources for those who would like to learn more about cooperatives, who are considering starting a cooperative or who would like to strengthen their existing cooperative.\nWHAT IS A CO-OP?\nIn 1843, the Rochdale Pioneers set forth a statement of principles. These became known as the Rochdale Principles. Over the years, they have been amended several times by succeeding generations. In 1995, the International Cooperative Alliance (ICA) voted to add a list of values, ethics and a definition. In addition to the Statement on Cooperative Identity (re-posted below), in 2005, the ICA General Assembly also approved the World Declaration on Worker Cooperatives. This declaration attempts to further define the unique nature of worker ownership. To read this declaration, either hit the link above to download a PDF version or go to the CICOPA web site .\nTHE STATEMENT ON THE COOPERATIVE IDENTITY\nA cooperative is an autonomous association of persons united voluntarily to meet their common economic, social, and cultural needs and aspirations through a jointly-owned and democratically-controlled enterprise.\nCooperatives are based on the values of self-help, self-responsibility, democracy, equality, equity and solidarity. In the tradition of their founders, cooperative members believe in the ethical values of honesty, openness, social responsibility and caring for others.\nThe cooperative principles are guidelines by which Cooperatives put their values into practice.\n1st Principle: Voluntary and Open Membership\nCooperatives are voluntary organizations, open to all persons able to use their services and willing to accept the responsibilities of membership–without gender, social, racial, political or religious discrimination.\n2nd Principle: Democratic Member Control\nCooperatives are democratic organizations controlled by their members, who actively participate in setting their policies and making decisions. Individuals serve as elected representatives and are accountable to the members. In primary Cooperatives, members have equal voting rights (one member, one vote) and cooperatives at other levels are also organized in a democratic manner.\n3rd Principle: Member Economic Participation\nMembers contribute equitably to, and democratically control, the capital of their cooperative. At least part of that capital is usually the common property of the cooperative. Members usually receive limited compensation, if any, on capital subscribed as a condition of membership. Members allocated surpluses for any or all of the following purposes: developing their cooperative, possibly by setting up reserves, part of which at least would be indivisible; benefiting members in proportion to their transactions with the cooperative; and supporting other activities approved by the membership.\n4th Principle: Autonomy and Independence\nCooperatives are autonomous, self-help organizations controlled by their members. If they enter into agreements with other organizations, including governments, or raise capital from external sources, they do so on terms that ensure democratic control by their members and maintain their cooperative autonomy.\n5th Principle: Education, Training and Information\nCooperatives provide education and training for their members, elected representatives, managers, and employees so they can contribute effectively to the development of their Cooperatives. They inform the general public–particularly young people and opinion leaders– about the nature and benefits of co-operation.\n6th Principle: Co-operations Among Cooperatives\nCooperatives serve their members most effectively and strengthen the cooperative movement by working together through local, national, regional and international structures.\n7th Principle: Concern for Community\nCooperatives work for the sustainable development of their communities through policies approved by their members.\nDoing It Better, Together\nAt a worker co-op, you will be talking to someone who is invested in the quality of their service, the quality of their product, and ultimately the quality of the business as a whole.\nInvest in the Community\nCo-op workers tend to live in the community they work in, so they are more likely to understand and invest in the needs of the community.\nEfficient from the Ground Up\nBusinesses run by single owners or absentee boards tend to come up with strategies that make sense only in the short term. Businesses run by people who work there adopt practices that make long term sense.\nBuilt with Values\nWhereas the bottom line for a traditional business is making money for the owner, worker co-ops are communities of people who have come together for a common goal. Sustaining their business financially is one goal, but almost never the only one.\nStrong Local Economies\nBecause the workers who operate the business own it, there is no outside entity to take the profits and spend it elsewhere. Most money spent at a worker-owned business will stay in your local community.\nDemocracy All Day\nMany of us spend the majority of our waking hours in a workplace. No matter how democratic our political system becomes, if our workplaces are private dictatorships, we will never be free.\nCredit - UNIONCABS", "domain": "economics"}
+{"url": "http://www.thorneinc.com/grand-prairie-tx-title-insurance", "date": "2018-01-16T22:58:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084886758.34/warc/CC-MAIN-20180116224019-20180117004019-00634.warc.gz", "language_score": 0.9453079700469971, "token_count": 369, "dump": "CC-MAIN-2018-05", "global_id": "webtext-fineweb__CC-MAIN-2018-05__0__209159222", "lang": "en", "text": "Grand Prairie, TX Title Insurance\nFederal Title, Inc. acquired the assets of Title Texas on December 6th, 2006. Prior to this, the organization dates back to 1978, at that time being Safeco Land Title of Dallas, one of the premier title insurance agents in the metroplex.\nFederal Title, Inc. is currently in the top twelve title companies in the metroplex according to the Dallas Business Journal and has the unique benefit of being a privately held company with the ability to make decisions locally. Among the executive team, the individuals at the helm of the company all have national experience and have been with the largest companies in the United States, but have opted to build a company with customer and employee values and concerns in mind. This combination gives Federal Title an advantage over our competitors locally and nationally when it comes to serving its clients.\nFederal Title, Inc. can provide real estate closing and insurance in Texas, including Dallas, Collin, Denton, Tarrant and Ellis Counties. Federal Title is an issuing agent for Title Resources Guaranty Company and Lawyers Title Insurance Company, and is able to provide in excess of $230,000,000 in statutory single risk title insurance coverage.\nThrough its underwriter relationships, Federal Title, Inc. can also provide title delivery on a national level, tax certificates, flood certification, appraisals, AVM's, credit reporting, processing and document storage. And, its deep roots in Texas make obtaining title evidence in even the most remote county possible. Remember, we speak Texas!\nFederal Title, a proud Texas Corporation here to customize service for you.\nFederal Title, Inc. is a wholly owned subsidiary of Heartland Security Insurance Group (HSIG), a diversified holding company with independent operating units involved in insurance risk and management services.\nFrequently Asked Questions", "domain": "economics"}
+{"url": "http://kmtire.com/", "date": "2014-07-30T15:09:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-23/segments/1406510270577.0/warc/CC-MAIN-20140728011750-00118-ip-10-146-231-18.ec2.internal.warc.gz", "language_score": 0.9648221135139465, "token_count": 293, "dump": "CC-MAIN-2014-23", "global_id": "webtext-fineweb__CC-MAIN-2014-23__0__68971567", "lang": "en", "text": "» K&M Tire – Eye on the Future\nK&M Tire has always focused on continuous growth and improvement. Our quality customer service and passion for excellence has driven our success in multiple avenues. We continue to expand in select markets throughout the Midwest with plans to increase the overall number of locations.\nOur primary goal is to provide superior customer service and value products that allow our dealers to be competitive in their marketplace. At K&M Tire we feel that our family of dealers, of over 5,000 strong, drives us to be better than our competitors, and continue to be at the forefront of the tire industry in programs and services. We are only successful when our dealers are successful.\nHere at K&M Tire, we always make the customer the most important person in our business.\nK&M Tire started out humbly as a two-bay gas station in 1970 selling gas at only $.30 a gallon. Over the years, through hard work and excellent customer service, K&M Tire has grown into the company it is today. With 15 locations now, serving customers in over 20 states, K&M Tire continues to offer quality service, diversified product lines, and beneficial programs to our customers.\nK&M Tire has a team of sales professionals with years of experience backed up by a first-class support staff. We are committed to making your business transactions with K&M Tire as carefree and enjoyable as possible.", "domain": "economics"}
+{"url": "http://www.chesterfield.gov.uk/Benefits-49.html", "date": "2016-02-12T03:44:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-07/segments/1454701163421.31/warc/CC-MAIN-20160205193923-00037-ip-10-236-182-209.ec2.internal.warc.gz", "language_score": 0.9448375701904297, "token_count": 658, "dump": "CC-MAIN-2016-07", "global_id": "webtext-fineweb__CC-MAIN-2016-07__0__135433490", "lang": "en", "text": "How to use this section\nClick on the links below or alternatively use the menu on the left for more information about benefits.\n- What is Housing and Council Tax Support?\n- I am a single adult but my income is too high to qualify for Council Tax Support\n- What are non-dependant deductions?\n- Deductions from 1 April 2013\nWhat is Housing and Council Tax Support?\nHousing Benefit is a benefit that helps you to pay your rent if you have a low income. Council Tax Support is help towards paying your Council Tax charge. They are both administered by Chesterfield Borough Council. Housing Benefit is administered on behalf of the Department for Work and Pensions. Most people who have a liability for rent or Council Tax can claim, although your age or circumstances may affect how much help you can get. Whatever income you receive will be taken into account to see if you qualify. We also need to know who else lives in your property. Find out how to claim Housing and Council Tax Support.\nI am a single adult, of qualifying age for Pension Credit, but my income is too high to qualify for Council Tax Support\nEven if you do not qualify for Council Tax Support you may still be able to have your Council Tax charge reduced.\nIf you are single, of qualifying age for Pension Credit, but have other adults living with you who have low incomes, your Council Tax charge could be reduced by claiming Second Adult Rebate. We will need proof of the income of all the other adults in your property. Contact the Benefits Section to find out how to claim.\nIf you are the only adult over 18 in your property, your charge could be reduced by 25%. You need to contact the Council Tax Billing section.\nRead more about Council Tax discounts.\nWhat are non-dependant deductions?\nThe amount of benefit you get will be reduced if you have someone living with you who is not dependant on you. This is called a non-dependant deduction. We will not reduce your benefit by this amount if you are registered blind or get Attendance Allowance, the care component of Disability Living Allowance or the daily living component of Personal Independence Payment. We need you to tell us if these circumstances apply to you. Are we making a deduction for a non-dependant living with you when we shouldn’t?\nDeductions from 1 April 2013\nDeduction from Housing Benefit £\nDeduction from Council Tax Support £\n|Aged under 18 years, or on Income Support/JSA(IB) / ESA(IR, assessment phase) and aged under 25, or on a YTS or getting Pension Credit|\n|On Income Support / JSA (IB) / ESA(IR, main phase) and 25 or over|\n|Aged 18 or over, not working or working fewer than 16 hours each week |\n|Aged 18 or over and working 16 hours or more each week with weekly gross income:|\n|Less than £126.00|\n|£401.00 or more |\nThe figures given above are applicable to cases where rent is paid 52 weeks per year. The figures will vary if \"rent free\" weeks are applicable.", "domain": "economics"}
+{"url": "https://moinhat24.com/traversing-enchanting-routes-of-land-and-sea-exploring-the-pathways-of-the-ocean/", "date": "2023-09-28T07:47:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510368.33/warc/CC-MAIN-20230928063033-20230928093033-00539.warc.gz", "language_score": 0.926256537437439, "token_count": 413, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__240669715", "lang": "en", "text": "Sea routes, the vast network of navigable waters, have been instrumental in shaping global trade, exploration, and cultural exchange for centuries. These maritime pathways have connected continents, enabled the movement of goods and people, and played a pivotal role in the development of civilizations across the world.\nSince ancient times, sea routes have been used for exploration and trade. The Phoenicians, Greeks, and later the Europeans embarked on daring voyages, seeking new lands, resources, and trade opportunities. These maritime endeavors not only expanded geographical knowledge but also facilitated the exchange of goods, ideas, and cultures between distant civilizations.\nOne of the most significant sea routes in history is the Silk Road Maritime Route, also known as the Maritime Silk Road. This ancient trade route connected Asia, Africa, and Europe, enabling the exchange of silk, spices, precious metals, and other valuable commodities. The Maritime Silk Road played a crucial role in promoting economic growth, cultural exchange, and technological advancements across multiple regions.\nSea routes have also played a vital role in the colonization and expansion of empires. European powers, such as Spain, Portugal, the Netherlands, and Britain, established maritime trade routes to connect their colonies and extract resources. The Age of Exploration witnessed the opening of new sea routes, such as the Columbus’ route to the Americas and Vasco da Gama’s route to India, forever altering the course of history.\nIn the modern era, sea routes continue to be the backbone of global trade. Around 90% of the world’s goods are transported by sea, as large cargo ships navigate established shipping lanes to deliver commodities to various ports worldwide. These routes connect manufacturing hubs with consumer markets, enabling the flow of goods on a massive scale.\nThe strategic importance of sea routes cannot be underestimated. Control over key maritime chokepoints, such as the Strait of Malacca, the Suez Canal, and the Panama Canal, provides nations with significant geopolitical advantages. These vital sea routes allow for the efficient movement of goods between regions, ensuring global economic stability.", "domain": "economics"}
+{"url": "https://www.nmc20.org.uk/whos-who/isaac-ankomah.html", "date": "2024-04-17T12:39:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817153.39/warc/CC-MAIN-20240417110701-20240417140701-00851.warc.gz", "language_score": 0.9725049138069153, "token_count": 118, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__150245302", "lang": "en", "text": "Isaac is an assistant treasurer and is currently a Trustee and of Stratford Methodist Church. He has over 20 years experience in working in finance department for various organisations. He is part qualified ACCA accountant at the final level and holds a Post Graduate Diploma in Professional Accounting from East London University. He has been providing a massive support to the church and the circuit with his experience. Isaac is passionate about transparency in presenting financial information to trustees. He has created financial policies and procedures for churches in the circuit.\nHe is always assisting treasurers in the circuit to follow robust finance systems.", "domain": "economics"}
+{"url": "http://www.startaplayschool.in/category/daycare", "date": "2019-11-19T04:31:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-47/segments/1573496670006.89/warc/CC-MAIN-20191119042928-20191119070928-00279.warc.gz", "language_score": 0.9759591817855835, "token_count": 566, "dump": "CC-MAIN-2019-47", "global_id": "webtext-fineweb__CC-MAIN-2019-47__0__145032303", "lang": "en", "text": "Running a preschool business has a great potential in India and is worth of crores of rupees. A preschool business can be started by opting to franchise for a preschool brand or you can open a preschool as well. You need to study the preschool franchise opportunities in India and analyze the preschool franchise cost The franchise option seems lucrative and the one with fewer efforts, however, in the long run, having your own preschool has its own advantages in terms of monetary gains and fame.\nIn India, more emphasis is being given to education and quality preschool education is highly emphasized. Increasing urbanization and the increase in the number of working couples has led to the rise in demand of good preschools and day care centers. However, as parents are ready to invest on the schooling, they also expect the best for their kids. Hence you need to understand how to set up a preschool with proper planning and management.\nA preschool has certain set of requirements. Some of them are basic and mandatory while others are add-on features that make your school more popular. Selecting the correct location is the first and most important requirement.\nParents expect spacious schools that will provide scope for play and extracurricular activities. Similarly, the neighborhood should provide the prospects for admissions too. Hence, selecting the correct location is of prime importance. Apart from the space, the student ratio and the student teacher ratio also needs to convince the parents that the child will receive dedicated attention and care. You need to research these ratios in the existing preschools around you.\nParents are proactive and wish to know the details of the teaching methodologies and curriculum. They are also keen on the overall development of the kid and insist on regular communication between the school and parents. You need to have provisions within the curriculum for all these issues.\nAs parents are ready to invest on the fee structure, they also expect the best of infrastructure facilities for the kids. You have to invest in a considerable capital that ensures quality and comfort for the kids. The teachers and non teaching staff are expected to be trained in early education and should know how to deal with emergency and other issues. If you have a day care, then parents demand for extracurricular activities in the day care curriculum too.\nSeveral well known and established preschool brands are springing up with their network in major cities and small towns as well. As parents are willing to invest time and money for the kids, they easily tend to prefer established brands.\nTherefore, to compete with these schools, you need to have a winning edge in all the aspects and also need to market your brand. Once you are recognized, your preschool business will know no bounds. We are education consultants and we help in designing and developing a preschool business plan. We help you understand the preschool requirements in India and set your own preschool.", "domain": "economics"}
+{"url": "http://www.westsidehomefinder.com/2012/09/20/housing-recovery-blossoms/", "date": "2013-05-24T09:32:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368704433753/warc/CC-MAIN-20130516114033-00069-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.941033124923706, "token_count": 227, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__59239648", "lang": "en", "text": "NEW YORK (CNNMoney) — The U.S. housing industry — crucial to any jobs recovery — showed more signs of strength, according to two reports issued Wednesday.\nThe Census Bureau said housing starts and permits rose substantially in August. Separately, sales of previously occupied homes climbed 7.8% from a year ago, according to the National Association of Realtors.\nBuilders started on new homes at an annual rate of 750,000, up 29.1% compared with a year earlier. They applied to build another 803,000 new homes on an annual basis, a 24.5% jump compared with August 2011.\nHome builders have become increasingly bullish — a confidence index from the National Association of Home Builders reached its highest level since June 2006.\nEven after recent gains, housing starts lag well behind the peak set in May 2005, when the pace of building hit more than 2 million homes.\nfrom CNNMoney http://money.cnn.com/2012/09/19/real_estate/home-construction/index.html?hpt=hp_t1", "domain": "economics"}
+{"url": "https://docs.gnoswap.io/", "date": "2024-04-13T11:56:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816734.69/warc/CC-MAIN-20240413114018-20240413144018-00511.warc.gz", "language_score": 0.9011267423629761, "token_count": 470, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__133485806", "lang": "en", "text": "Gnoswap is the first decentralized exchange (DEX) built using Gnolang – an interpreted variation of the widely-used Go programming language (Golang) that powers the Gnoland blockchain ecosystem. As an automated market maker (AMM) protocol, Gnoswap features an innovative concentrated liquidity mechanism. This mechanism empowers Gnoswap to offer deeper liquidity for trading pairs, resulting in lower slippage and better trading prices for traders, while also generating more fees for liquidity providers.\nEnter the most user-friendly and simple decentralized finance (DeFi) experience where you can seamlessly swap and earn on the most capital-efficient liquidity layer of Gnoland.\nFor traders, Gnoswap provides a quality trading experience powered by the performance it inherits from Gnoland and a trader-centric interface designed to deliver valuable insights into the market. Furthermore, Gnoswap offers an opportunity to become the earliest adopter of aspiring projects building on Gnoland, which we believe has the potential to become one of the most widely adopted smart contracts platforms in the world with its developer-oriented design philosophy. Lastly, Gnoswap is built with interoperability in mind to remove any friction involved in exchanging bridged tokens from external ecosystems.\nFor liquidity providers, the concentrated liquidity mechanism of Gnoswap enhances the capital efficiency of tokens in pools to amplify their earnings with higher trading fee rewards. Gnoswap introduces a novel liquidity mining model that incorporates warm-up periods, a concept for rewarding long-term position stakers for their staking commitment, while also offering flexibility to unstake their positions at any time to adjust price range for higher concentration. As a whole, Gnoswap emerges as the optimal platform for liquidity providers to maximize the potential of their capital.\nFor dApps, Gnoswap is a non-custodial and secure liquidity infrastructure powered by the secure Gnolang, devoid of a single point of failure risks of centralized exchanges. Deployment of liquidity pools is permissionless on Gnoswap to allow any project to provide its community with a place to trade tokens instantly upon launch. The interactive airdrop platform of Gnoswap also allows nascent teams to build a strong potential user base while gaining full exposure across the Gnoland ecosystem.", "domain": "economics"}
+{"url": "http://www.thecoalition.us/programs/first-american-education-finance/", "date": "2017-04-28T08:19:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917122886.86/warc/CC-MAIN-20170423031202-00048-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9226589202880859, "token_count": 171, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__102627358", "lang": "en", "text": "First American Education Finance is a financial services company dedicated to serving the needs of the education community. We provide customized solutions to help schools deliver the best education possible to their students. Our unique financing solutions help over 500 schools nationwide solve challenges from complex campus projects to equipment management – all through a simple and transparent experience.Partnering with schools to provide the resources needed to succeed.\nVisit the First American Website\nSchool Success Stories\nWatch FAEF School Success Story videos to see how we have helped schools like yours.\nPeer Discussion Events\nSharing new speakers and perspectives with FAEF's colleagues in education.\nCustomer Connect - A Lease Finance Tool as Unique as Your School\nCustomer Connect is free for Coalition members' schools.\nCustomizing finance solutions for your school.\nFive Trends Influencing Campus Project Financing\nIssued September 2016", "domain": "economics"}
+{"url": "https://www.payslip.co.za/blog/view/the-basic-conditions-of-employment-act-section-33-stipulates-what-must-be-on-a-payslip/87", "date": "2020-09-20T20:49:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400198652.6/warc/CC-MAIN-20200920192131-20200920222131-00233.warc.gz", "language_score": 0.9423775672912598, "token_count": 316, "dump": "CC-MAIN-2020-40", "global_id": "webtext-fineweb__CC-MAIN-2020-40__0__80562466", "lang": "en", "text": "The Basic Conditions of Employment Act (section 33) stipulates what must be on a Payslip:\n(1) An employer must give an employee the following information in writing on each day the employee is paid:\n(a) The employer’s name and address;\n(b) the employee’s name and occupation;\n(c) the period for which the payment is made;\n(d) the employee’s remuneration in money;\n(e) the amount and purpose of any deduction made from the remuneration;\n(f) the actual amount paid to the employee; and\n(g) if relevant to the calculation of that employee’s remuneration—\n(i) the employee’s rate of remuneration and overtime rate;\n(ii) the number of ordinary and overtime hours worked by the employee during the period for which the payment is made;\n(iii) the number of hours worked by the employee on a Sunday or public holiday during that period; and\n(iv) if an agreement to average working time has been concluded in terms of section 12, the total number of ordinary and overtime hours worked by the employee in the period of averaging.\n(2) The written information required in terms of subsection (1) must be given to each\n(a) at the workplace or at a place agreed to by the employee; and\n(b) during the employee’s ordinary working hours or within 15 minutes of the commencement or conclusion of those hours.", "domain": "economics"}
+{"url": "https://gses.snu.ac.kr/people/faculty/1", "date": "2023-12-07T19:13:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100686.78/warc/CC-MAIN-20231207185656-20231207215656-00714.warc.gz", "language_score": 0.7616732120513916, "token_count": 1409, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__17337993", "lang": "en", "text": "인구주거학, 주택/도시 경제학, 정책 분석, 공간 변화, 커뮤니티 개발, 사회 불평등\n2017.05서던캘리포니아대학교 공공정책대학원 도시계획 및 개발학 박사\n2012.05서던캘리포니아대학교 공공정책대학원 도시계획학 석사\n2010.02서울대학교 공과대학 건설환경공학부 석사\n2008.02서울대학교 공과대학 지구환경시스템공학부 학사\n2023.08-현재서울대학교 환경대학원 환경계획학과 조교수\n2019.08-2023.07버지니아공과대학교 주거환경학과 조교수\n2017.07-2019.06하버드대학교 주택연구센터 박사후과정\n▪Lee, Hyojung, and Kristin L. Perkins. 2023. “The Geography of Gentrification and Residential Mobility.” Social Forces, 101(4): 1856–1887.\n▪Ding, Lei, Hyojung Lee, and Raphael W. Bostic. 2022. “Effects of the Community Reinvestment Act on Small Business Lending.” Journal of Urban Affairs, 44(9): 1224–1243.\n▪Lee, Kwan Ok, and Hyojung Lee. 2022. “Public Responses to COVID-19 Case Disclosure and Their Spatial Implications.” Journal of Regional Science, 62(3): 732-756.\n▪Lee, Hyojung. 2022. “Are Millennials Leaving Town? Reconciling Peak Millennials and Youthification Hypotheses.” International Journal of Urban Sciences, 26(1): 68-86.\n▪Lee, Hyojung. 2020. “Are Millennials Coming to Town? Residential Location Choice of Young Adults.” Urban Affairs Review 56 (2): 565–604.\n▪Lee, Hyojung, and Raphael W. Bostic. 2020. “Bank Adaptation to Neighborhood Change: Mortgage Lending and the Community Reinvestment Act.” Journal of Urban Economics 116 (March): 103211.\n▪Lee, Hyojung, Dowell Myers, Gary Painter, Johanna Thunell, and Julie Zissimopoulos. 2020. “The Role of Parental Financial Assistance in the Transition to Homeownership by Young Adults.” Journal of Housing Economics 47 (March): 101597.\n▪Myers, Dowell, Hyojung Lee, and Patrick Simmons. 2020. “Cohort Insights into Recovery of Millennial Homeownership after the Great Recession.” Journal of Housing Economics 47 (March): 101619.\n▪Myers, Dowell, Gary D. Painter, Julie Zissimopoulos, Hyojung Lee, and Johanna Thunell. 2019. “Simulating the Change in Young Adult Homeownership Through 2035: Effects of Growing Diversity and Rising Educational Attainment.” Housing Policy Debate, 29(1): 126–142.\n▪Currid-Halkett, Elizabeth, Hyojung Lee, and Gary D. Painter. 2019. “Veblen Goods and Urban Distinction: The Economic Geography of Conspicuous Consumption.” Journal of Regional Science, 59(1): 83–117.\n▪Green, Richard K., and Hyojung Lee. 2016. “Age, Demographics, and the Demand for Housing, Revisited.” Regional Science and Urban Economics, 61: 86–98.\n▪Lee, Hyojung, and Gary D. Painter. 2016. “Consumption Inequality in the Great Recession.” Journal of Economic and Social Measurement, 41(2): 145–166.\n▪Housing Shortages and Key Linkages to Broader Housing Problems and Solutions, University of Southern California\n▪The Role of Metropolitan Characteristics in Cohort Transition into Home Ownership, University of Southern California\n▪Pandemic and cities: Smart management, resilience and adaptation in Seoul and Singapore, Ministry of Education of Singapore\n▪Cohort Behavior of Millennials in the Housing Recovery, Federal National Mortgage Association\n▪Estimated Impacts of Parental Assistance, Wealth, and Family Background on Homeownership of Young Adults, Federal National Mortgage Association\n▪Diverted Homeowners, the Rental Crisis and Foregone Household Formation, Research Institute for Housing America of the Mortgage Bankers Association\n▪Veblen Goods and Metropolitan Distinction, USC Lusk Center for Real Estate\n▪Demographic Change and Future Urban Development, Lincoln Institute of Land Policy\n▪Demographics of Recovery in Post-Crash Los Angeles, John Randolph Haynes and Dora Haynes Foundation\n▪Studying Demographic Migration, First 5 Los Angeles", "domain": "economics"}
+{"url": "http://ldvp.com/our-companies-item/kilopass/", "date": "2018-05-23T16:55:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794865691.44/warc/CC-MAIN-20180523161206-20180523181206-00205.warc.gz", "language_score": 0.8589388132095337, "token_count": 142, "dump": "CC-MAIN-2018-22", "global_id": "webtext-fineweb__CC-MAIN-2018-22__0__116765699", "lang": "en", "text": "Kilopass leads the industry in high density Logic non-volatile memory (NVM) technology on advanced CMOS process technologies by delivering highly reliable, secure and cost-effective logic NVM solutions for System-on-Chip (SoC) applications. Kilopass’ NVM can be found in billions of mobile devices and laptops throughout the world. Kilopass’ DRAM and SRAM technologies disrupt the economics, performance and fab utilization of these ubiquitous and vital memories. Kilopass licenses its technologies to the leading manufacturers of semiconductor chips, such as Samsung, Hynix, SMIC and TSMC.\nCEO: Charlie Cheng\nCompany Headquarters: San Jose, CA", "domain": "economics"}
+{"url": "https://marknguyeninsurance.com/insurance/business", "date": "2023-03-31T18:50:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296949678.39/warc/CC-MAIN-20230331175950-20230331205950-00122.warc.gz", "language_score": 0.9648199081420898, "token_count": 217, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__193751966", "lang": "en", "text": "Business Insurance in and around Portland\nCost effective insurance for your business.\nSmall business owners like you have a lot of responsibility. From HR supervisor to tech support, you do as much as possible each day to make your business a success. Are you a fence contractor, a surveyor, or a sporting goods store? Do you own an advertising agency, a dance school, or a meat or seafood market? Whatever you do, State Farm has small business insurance to cover it.\nCOVER YOUR BUSINESS ASSETS\nThe passion you have to serve your customers is a great foundation. When you add business insurance from State Farm, you can be ready for the challenges ahead. That’s why entrepreneurs and business owners turn to State Farm Agent Mark Nguyen. With an agent like Mark Nguyen, your coverage can include great options, such as worker’s compensation, artisan and service contractors, and business owners policies. Let's talk business! Call Mark Nguyen today to learn why State Farm has been rated one of the top overall choices for insurance coverage by small businesses like yours.", "domain": "economics"}
+{"url": "http://www.dangote-cement.net/Senegal.php", "date": "2013-05-19T11:43:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368697442043/warc/CC-MAIN-20130516094402-00014-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9413489103317261, "token_count": 204, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__134826486", "lang": "en", "text": "Senegal, with a population of about 16 million, is one of the fastest growing economies, with high demand to meet housing needs. The country has all the raw materials to produce enough cement and export to other continents. Senegal has cement production of 2.5 MTPA as against the local demand of 3 million tonnes per annum. Dangote Cement is setting up a 1.5 MTPA Green Field Cement Plant at Senegal which is heading for timely commissioning in Q4 of 2012. Dangote’s investment is one of the biggest foreign direct investments by an African company in Senegal which is an indication of its strong belief in the future growth of the African economy. The investment marks a significant milestone in the Senegalese quest to be self-sufficient in cement production. Dangote Cement when commissioned will provide direct employment opportunities for 1,500 and indirect employment opportunities for 7,000 and will also complement the Senegal government’s efforts in stimulating economic growth and creating jobs.", "domain": "economics"}
+{"url": "https://sayt-sozdat.ru/compliance-obligations-for-emi-license-holders-in-the-czech-republic/", "date": "2023-10-01T19:55:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510924.74/warc/CC-MAIN-20231001173415-20231001203415-00062.warc.gz", "language_score": 0.8773631453514099, "token_count": 413, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__300191171", "lang": "en", "text": "Operating as an Electronic Money Institution (EMI) License holder in the Czech Republic requires strict adherence to compliance obligations. In this article, we will discuss the key regulatory requirements and obligations that EMI License holders in the Czech Republic must fulfill.\nCompliance with AML and KYC Regulations\n- EMI License holders in the Czech Republic must implement robust anti-money laundering (AML) policies and procedures.\n- Conduct thorough know-your-customer (KYC) due diligence, including customer identification, verification, and ongoing monitoring.\nRisk Management and Internal Controls\n- Establish comprehensive risk management frameworks to identify, assess, and mitigate risks associated with money laundering, fraud, and other financial crimes.\n- Implement internal controls, including transaction monitoring systems and employee training programs.\nReporting and Record-keeping Obligations\n- Maintain accurate and up-to-date records of financial transactions, customer data, and compliance measures.\n- Submit regular reports to the Czech National Bank (CNB), including financial statements, transaction reports, and statistical information.\nData Protection and Privacy\n- Ensure compliance with data protection and privacy regulations, safeguarding customer information and maintaining appropriate security measures.\n- Obtain customer consent for the collection, storage, and processing of personal data….\nOutsourcing and Third-Party Relationships\n- EMI License holders must establish proper due diligence and risk management processes when engaging in outsourcing arrangements or entering into relationships with third-party service providers.\n- Regularly assess the compliance and security measures of third parties to ensure ongoing compliance with regulatory requirements.\n- Obtain customer consent for the collection, storage, and processing of personal data.\nCompliance with regulatory obligations is crucial for EMI License holders in the Czech Republic. By implementing robust AML and KYC procedures, establishing effective risk management frameworks, and fulfilling reporting and record-keeping obligations, EMI License holders can maintain their license, protect the integrity of their operations, and contribute to a secure and trustworthy financial ecosystem.", "domain": "economics"}
+{"url": "https://usawebstories.com/world-news/economists-struggle-to-come-to-terms-with-immaculate-disinflation/", "date": "2023-12-08T19:36:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100769.54/warc/CC-MAIN-20231208180539-20231208210539-00350.warc.gz", "language_score": 0.9698383808135986, "token_count": 1178, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__309979411", "lang": "en", "text": "A little more than a year ago, the Wall Street Journal surveyed economists about their forecasts for 2023. The respondents, who included more than seventy experts from academia, business, and Wall Street, said that a recession was the likeliest outcome, as the Federal Reserve was keeping interest rates high to bring down inflation. They predicted that G.D.P. would shrink slightly in the first half of the year and that job growth would turn negative. In other words, the cost of bringing down inflation would be an economic slump. “Soft landing will likely remain a mythical outcome that never actually comes to pass,” one respondent said.\nIn January of this year, when the Journal carried out its next survey, economists were still predicting a recession and job cuts. “For 2023 as a whole, economists expect that payrolls will decline by 7,000 a month on average,” the paper reported. These predictions couldn’t have been more wrong. About the only thing the economists got right was that inflation would continue to fall, but even there they underestimated the pace of decline. Earlier this week, the Labor Department reported that the consumer-price inflation fell to 3.2 per cent in October, reversing a slight pickup over the summer. And with gas prices still falling, it seems perfectly possible that the the November figure for consumer-price inflation could begin with a two.\nThe great inflation spike, which has dominated economic news for the past couple of years, appears to be over. The rate of price increases is still a bit higher than the Fed would like; its target is two per cent. But since reaching a peak of 9.1 per cent, in June of last year, inflation has fallen by almost two-thirds. And this big decline has been accompanied not by the predicted recession but, rather, by a pickup in G.D.P. growth and sustained job creation: the opposite of what economists predicted.\nIn 2022, G.D.P., which is the broadest measure of the economy’s output, grew at an annual rate of 1.9 per cent, according to the Commerce Department. In the first three quarters of this year, the annualized growth rate has clocked in at 2.2 per cent, 2.1 per cent, and 4.9 per cent, respectively. With the Atlanta Fed’s GDPNow model pointing to growth of two per cent in the final quarter, it looks like G.D.P. growth for 2023 as a whole will be above two per cent. As for jobs, in the first ten months of the year, non-farm employers created about 2.4 million of them, and the unemployment rate is still below four per cent. So much for the forecasts of negative job growth.\nIt’s conceivable that between now and the New Year, the economy could still fall off a cliff. Over-all retail sales dipped slightly last month, and just this week Target and Home Depot reported that some consumers are holding off on big-ticket purchases. But barring some sort of financial calamity or a dramatic escalation of the wars in the Middle East and Ukraine, it seems unlikely that this weakness will turn into a broader free fall. The October decline in retail spending followed a surge during the summer, and other indicators remain positive. On Friday, housing stats came in stronger than expected.\nTaken together, these figures show that the American economy has greatly outperformed expectations over the past year, shocking some of those who argued that a big slowdown and higher unemployment would be required to break the back of inflation. “The US combination of strong growth, low unemployment and falling inflation looks rather like the ‘immaculate disinflation,’ in which I, for one, disbelieved,” Martin Wolf, the Financial Times’ chief economics commentator, wrote last week. Even the former Treasury Secretary Larry Summers, who is now a professor at Harvard and said last year that it would likely take an unemployment rate of six per cent to “significantly restrain inflation,” has rowed back a bit. “Given how strong the economy has been, there’s still a surprise in what’s happened to inflation,” Summers told Bloomberg earlier this week.\nTo be fair to the inflation hawks, the immaculate disinflation that Wolf referred to has no precedent in recent history, and it has also surprised policymakers at the Fed. At their December, 2022, meeting, Jerome Powell and his colleagues predicted G.D.P. growth of just 0.5 per cent in 2023 and an unemployment rate of 4.6 per cent in the October-to-December quarter. Both of these predictions were way off, but in a good way.\nHow could economic forecasters have got things so wrong? One possibility is that their dire predictions were not inaccurate but premature, and that higher interest rates will eventually take their toll and bring on a recession. Another possibility is that many economists misinterpreted the nature of the inflation spike to begin with, viewing it primarily as a product of excessive demand rather than of pandemic-era supply disruptions, which have now largely disappeared. If that’s true, economists need to rewrite their textbooks.\nThe debate will go on, as will the parallel discussion about why, according to opinion polls, most ordinary Americans think that the U.S. economy is doing badly, and give Joe Biden negative ratings on this front. But the fact that many people are still bummed about the price of groceries and the level of mortgage rates shouldn’t be allowed to obscure what is shaping up as a historic victory over inflation. That’s where we are, and it’s worth a holiday toast. ♦", "domain": "economics"}
+{"url": "https://blog.cspackaging.com/blog/are-corrugated-boxes-eco-friendly", "date": "2023-10-01T15:58:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510903.85/warc/CC-MAIN-20231001141548-20231001171548-00187.warc.gz", "language_score": 0.9597994089126587, "token_count": 1317, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__104067678", "lang": "en", "text": "Corrugated shipping boxes help reduce a business’s carbon footprint, as well as save energy. For those that ask, are corrugated boxes eco-friendly, the answer is easy. Corrugated material is highly recyclable and produces 100% recycled paper pulp.\nCustomized corrugated boxes offer benefits like better product protection during shipping as well as improved branding opportunities with printed logos or graphics. That makes them especially attractive to companies that ship a lot of products and need to make sure that their package reaches its destination safely and looks good in the process.\nCorrugated boxes also present opportunities for businesses to create customized green packaging solutions that are tailored specifically to their individual needs. From sustainable materials such as wood pulp to specialized shapes and sizes, it can be adapted to any product situation.\nUnderstanding Corrugated Packaging\nConsumer demand for sustainable packaging solutions has been on the rise in recent years, as more and more customers prioritize environmentally-friendly practices when making their purchasing decisions. One example of this is the emergence of eco-conscious packaging materials such as cotton or bamboo fiber packaging.\nHowever, corrugated cardboard is still the preferred option due to its versatility and cost-effectiveness. It can be produced in various sizes, shapes, and thicknesses to suit any product needs, while also being made from renewable resources such as wood pulp that can be easily recycled.\nAdditionally, it is lightweight yet strong enough to protect products in transit so companies don’t have to worry about goods arriving damaged or broken due to inadequate packaging. This makes it an ideal choice for businesses that are looking for both cost savings and sustainability.\nAre Corrugated Boxes Eco-Friendly?\nWith the rise of digitalization, many industries have been looking into ways they can reduce their reliance on single-use plastics and other unsustainable materials. Modern packaging solutions such as corrugated cardboard offer a great alternative for companies that want to stay ahead of the curve.\nThe production of corrugated cardboard is powered by renewable energy sources, helping to minimize its carbon footprint and allowing it to be recycled or repurposed for future use.\nThis type of material has also been gaining traction in the food service industry, where it can be used to safely package food items while maintaining a minimal environmental impact. In fact, many businesses are now shifting towards reusable packaging models, as they offer a more economical solution in comparison to single-use options.\nPro Tip: The lowest board grade that still offers substantial protection for your product is the ideal solution for both lower paper usage and saving money.\nCorrugated packaging has become a popular choice across many industries due to its unique properties. Depending on the desired use, there are various types of corrugated cardboard options available, including:\nSingle-wall: Provides good stiffness and is an economical option for lightweight items.\nDouble-wall: Offers more strength and cushioning, and is typically favored when shipping heavier items.\nTriple-wall: Offers maximum protection for heavy or delicate shipments.\nCorrugated Packaging and its Environmental Impact\nThe use of corrugated packaging contributes to a positive environmental impact. It is made from 100% recyclable materials, such as cardboard and paperboard, which can be recycled multiple times with no reduction in quality.\nPaper can be recycled 7 times before its fibers become too short and weak to be used for papermaking. By recycling their corrugated packaging, businesses are not only saving money on manufacturing costs, but they're also contributing to a greener lifestyle.\nThe production of corrugated packaging is also much more energy-efficient compared to traditional methods. For example, the modern process requires less electricity and water, making it an environmentally friendly method of product packaging.\nLightweight corrugated boxes help reduce shipping costs while also being able to provide sufficient protection for the product during transit. Corrugated packaging is not only an economical alternative but it also helps decrease the amount of energy required to ship goods while significantly reducing the need for other non-eco-friendly materials like plastic, foam, or bubble wrap. Many companies are taking it one step further by using sustainable and biodegradable materials within the box to ensure minimal waste after the product has been received.\nCorrugated Packaging for Sustainable Supply Chains\nA circular economy is a way of doing business that eliminates waste and ensures the maximum use of resources. It's based on the idea that there should be no such thing as “waste” and instead, products are designed to have an infinite lifespan and continuously provide value.\nCorrugated packaging fits into this concept in many ways. For example, corrugated boxes can be reused multiple times and easily recycled when they are no longer able to provide protection for goods. This helps companies reduce landfill waste while also cutting back on their overall manufacturing costs.\nWhen it comes to comparing corrugated packaging to plastic or foam, corrugated options have a relatively low carbon footprint compared to the others, and it can be designed in ways that maximize their sustainability. Corrugated boxes can have removable adhesive seams or staples instead of glued ones, making it much easier to disassemble and recycle them. Additionally, some corrugated manufacturers have prioritized the use of paper made from recycled materials, resulting in fewer trees being cut down for fresh pulp.\nCorrugated Boxes: Eco-Friendly Over the Years\nCorrugated packaging is an excellent choice for companies looking for sustainable solutions in their supply chain operations. In a society focused on the answer to “are corrugated boxes eco-friendly”, the fact that eco-friendly corrugated packaging reduces waste, increases recycling efficiency, and reduces the impact on forests is a strong response. Meanwhile, sustainable packaging also allows businesses to maintain optimal performance with cost-effective materials.\nThe combination of innovative designs and advanced technologies makes eco-friendly corrugated packaging a reliable and cost-effective choice for businesses of any size.\nEco-friendly packaging is a great way to reduce waste, increase efficiency, and reduce environmental impact without sacrificing performance or profitability. With its cost-effectiveness and innovative designs, eco-friendly corrugated packaging is an excellent option for businesses looking to minimize their environmental impact.\nBusinesses can take steps to ensure that their packaging products are certified to meet sustainability standards, ensuring that they are contributing positively to the environment in the long term.", "domain": "economics"}
+{"url": "http://www.safra.fr/en/company/safra-history.html", "date": "2013-12-10T06:53:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386164011870/warc/CC-MAIN-20131204133331-00051-ip-10-33-133-15.ec2.internal.warc.gz", "language_score": 0.9660992622375488, "token_count": 253, "dump": "CC-MAIN-2013-48", "global_id": "webtext-fineweb__CC-MAIN-2013-48__0__17410517", "lang": "en", "text": "SAFRA (Société Albigeoise de Fabrication et Réparation Automobile) was founded in 1955 and its first vocation was that of coachbuilding on chassis cabs.\nThroughout its history, the company has continuously evolved, adapting itself to developments in the domain of public transport. This was demonstrated by the change in activity initiated by Serge Bodoira when he became Chairman in 1978: from being a coachbuilder, Safra became coachbuilder, restorer and repairer. Over the years Safra continued to diversify and the company henceforth developed three complementary activities: car bodywork, industrial and rail bodywork and shopfitting.\nToday Safra is based at Fonlabour on a site totalling 8.5 hectares, 16,000m² of which are covered buildings. In 2007 Serge Bodoira initiated the first phase of the restructuring of the company and appointed Vincent Lemaire as CEO of Safra, and appointing himself Chairman of the Safra Group, the majority holding company.\nTo date, the three activities are of ambitious dimensions for this ever developing and innovating company and for whom its major Businova project is not only a real challenge but also a return to the company's original roots.", "domain": "economics"}
+{"url": "https://gardnersaccountants.co.uk/news/newsletters/", "date": "2018-10-24T05:14:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583519859.77/warc/CC-MAIN-20181024042701-20181024064201-00177.warc.gz", "language_score": 0.9042373895645142, "token_count": 162, "dump": "CC-MAIN-2018-43", "global_id": "webtext-fineweb__CC-MAIN-2018-43__0__120208239", "lang": "en", "text": "Tax Tips & News\nWelcome to the Gardners Tax Tips & News monthly newsletter, bringing you the latest news to keep you one step ahead of the taxman.\nIf you need further assistance just let us know or send us a question for our Question and Answer Section.\nWe’re committed to ensuring none of our clients pay a penny more in tax than is necessary and they receive useful tax and business advice and support throughout the year.\nPlease contact us for advice on your own specific circumstances. We’re here to help!\nHMRC consult on BIK changes\nFollowing the recent consultation covering the taxation of employee expenses (as announced in the Autumn 2017 Budget), draft Finance Bill 2018-19 contains proposals to amend some of the existing rules concerning travel and subsistence payments. Read More…", "domain": "economics"}
+{"url": "https://parkusa.com/index.php/case-study/blue-bell-creameries", "date": "2023-11-28T16:15:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679099892.46/warc/CC-MAIN-20231128151412-20231128181412-00584.warc.gz", "language_score": 0.9458873867988586, "token_count": 258, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__77833601", "lang": "en", "text": "Blue Bell Creameries\nBlue Bell Creameries is an ice cream manufacturer that does business primarily in the South. Even though it does business in less than half of the U.S., Blue Bell is the third highest-selling ice cream in the nation, with sales usually ranging upwards of $400 million dollars per year. Blue Bell currently has three manufacturing plants located in Brenham, Texas, Sylacauga, Alabama, and Broken Arrow, Oklahoma; other locations include the various distribution centers spread throughout their territory. Recently, Blue Bell decided to expand the Brenham, Texas location. The expansion includes a fully automated pallet loading system and roughly 100,000 square feet to the cold storage and production facilities. ParkUSA provided an EleVader system for the Brenham, Texas location.\nThe new project facility included automated pallet rack system and multiple freight and passenger elevators. These elevators were spread throughout the facility. To protect the public sewer system and to be compliant with the new ASTM elevator code, the Park EleVaderTM system was specified. The elevator model EC system was used for its flexibility in its ability to handle several sources of drainage. One Oil water separator could be used to handle multiple elevator shafts and a separate trench drain from an equipment Service area.", "domain": "economics"}
+{"url": "https://wed-dress.com/en/about-us", "date": "2021-09-27T22:19:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780058552.54/warc/CC-MAIN-20210927211955-20210928001955-00024.warc.gz", "language_score": 0.9286523461341858, "token_count": 413, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__104281454", "lang": "en", "text": "Factory \"RUT Bride\" | About us\nFactory \"RUT Bride\" is the manufacturer of wedding dresses, which is primarily focused on the needs of its customers.\nCooperate with the factory \"RUT Bride\" because:\n- We have an extensive experience; we are working on the Ukrainian market since 2005;\n- The new word in the production of wedding dresses - the use of innovative tailoring techniques, high quality fabrics;\n- \"Our new collection\" will grab the attention of the consumers, with an emphasis on the important elements and details, such as the use of new types of fabrics (lace);\n- Minimum terms of manufacturing, extensive production base;\n- The unique technology used in our production, will allow you to materialize any idea of the bride;\n- According to the preliminary agreement the goods can be delivered to any place in Ukraine, CIS and Europe.\nFactory «RUT Bride» came out this year on the market with the new exclusive product, which is only beginning to be in demand at the wedding market.\nAll of Europe knows about Ukrainian dresses, including our company, which entered the European market, increasing its quality and improving its products.\nOur latest collection is a truly unique way to diversify your product range, which can satisfy a bride with a variety of tastes and moods.\nWedding products from «RUT Bride» factory will expand the boundaries of your assortment and will allow you not only to order dresses from our collections, but also to order a combined model (a top from one and a bottom from another of our models), allowing you to become a designer, adding exclusivity to the dress without significant additional financial investments.\nToday Factory «RUT Bride» offers its customers to experience the beauty and charm of the wedding industry! Our new collection will help you to distinguish yourself from your competitors.\nWhen ordering from us, you get not only a \"wedding dress\", but also a guarantee of its quality, exclusive models and secure, mutually beneficial cooperation!", "domain": "economics"}
+{"url": "https://modestoprestige.com/financing", "date": "2024-04-14T05:24:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816864.66/warc/CC-MAIN-20240414033458-20240414063458-00713.warc.gz", "language_score": 0.9117453694343567, "token_count": 465, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__79706216", "lang": "en", "text": "Flexible Financing Options for Used Cars at Prestige Auto Sales in Modesto, CA\nFind the Perfect Financing Solution\nAt Prestige Auto Sales in Modesto, CA, we understand that purchasing a used car is a significant investment. That's why we offer flexible financing options to help you bring home your dream car. Our goal is to provide you with a hassle-free financing experience, tailored to your specific needs and budget. We work with trusted lenders to secure competitive rates and favorable terms, making it easier than ever to own one of the best used cars in Modesto, CA.\nHassle-Free Application Process\nApplying for financing at Prestige Auto Sales is quick and straightforward. Our user-friendly online application allows you to conveniently apply for financing from the comfort of your own home. Simply provide the necessary information, and our finance experts will review your application promptly. We strive to make the process as efficient as possible, getting you one step closer to driving the used car of your dreams.\nCustomized Financing Solutions\nEvery customer has unique financial circumstances, and we believe in providing personalized financing solutions. Our team of finance professionals will work closely with you to understand your budget and financial goals. We'll explore various financing options, including loan terms and down payment options, to find the best fit for you. Our goal is to ensure that you can comfortably afford the used car you desire while maintaining financial stability.\nCompetitive Rates and Transparent Terms\nAt Prestige Auto Sales, we prioritize transparency and fairness. We negotiate with our network of lenders to secure competitive interest rates and transparent terms for our customers. We believe in providing clear and concise information about your financing agreement, ensuring that you have a complete understanding of your obligations. Our commitment to transparency means no hidden fees or surprises – just straightforward financing that you can trust.\nStart Your Financing Journey Today\nDon't let financing be a barrier to owning one of the best used cars in Modesto, CA. Visit Prestige Auto Sales and explore our wide selection of high-quality vehicles. Our finance experts are ready to assist you in finding the perfect financing solution for your needs. Contact us or visit our dealership today to start your financing journey and drive away in the used car you've always wanted from Prestige Auto Sales.", "domain": "economics"}
+{"url": "https://bdtenergygroup.com/customer-testimonials/", "date": "2019-08-18T05:39:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027313617.6/warc/CC-MAIN-20190818042813-20190818064813-00259.warc.gz", "language_score": 0.9771708250045776, "token_count": 185, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__12662891", "lang": "en", "text": "Check out what a few of our customers have to say about BDT Energy Group and our LED lighting products.\nBDT impressed me with their efficient, professional manner and provided the results we were looking for. We needed an effective LED lighting solution for several areas of our facility. It was important that the LED lighting provide enough light, in the right color spectrum, within the interior of the facility. BDT was able to provide us with LED lighting that looks great, satisfies our need and at a reasonable price. The switch saved us 50% on the lighting energy costs of the replacements and reduced our maintenance costs.\nUpgrading to LED lights was a no-brainer. The installation and lighting costs are short-term, but the energy savings are permanent and will help save us tens of thousands of dollars in the long-term. Not only have we cut our costs, but we have increased the value of our building.", "domain": "economics"}
+{"url": "https://sathiharu.com/read-blog/126501_millennial-homebuyers.html", "date": "2023-06-01T03:28:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224647525.11/warc/CC-MAIN-20230601010402-20230601040402-00791.warc.gz", "language_score": 0.9767259359359741, "token_count": 202, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__238196844", "lang": "en", "text": "Denver is the second most popular city for millennial homebuyers. The share of mortgages offered to millennials was 61.35%, and the average age of those buying in the city was 32.23.\nIn February 2023, Denver homes were selling for a median price of $560,000. On average, homes sell after 26 days on the market, compared with five days last year, according to RedFin.\nThe average down payment among millennials in Denver was $74,477.\nBoston rounds out the top three. The share of mortgages offered to millennials last year was 60.59% and the average age was 32.38, according to the Lending Tree study.\nBoston gives millennial homeowners proximity to several prestigious universities, including Harvard and Massachusetts Institute of Technology, which have continued to rank as some of the best colleges in the U.S.\nThe average Boston home value is $610,400, compared with the national average of $244,900, according to Niche.", "domain": "economics"}
+{"url": "http://m.en.tkdldz.com/", "date": "2024-04-21T09:20:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817729.87/warc/CC-MAIN-20240421071342-20240421101342-00220.warc.gz", "language_score": 0.9241509437561035, "token_count": 175, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__184004041", "lang": "en", "text": "Shandong Taikai Power Electronic Co.,Ltd.\nEstablished in 2003 with a registered capital of 300 million yuan, Shandong Taikai Power Electronics Co., Ltd., a wholly-owned subsidiary of Taikai Group, is a specialized enterprise in R&D, production and sales of power quality control equipment. The company has a second grade qualification for contracting, repairs and commissioning of substation projects. As outstanding supplier in electric power, new energy, metallurgy, coal, petrochemical and other systems, it is the national key high-tech enterprise of Torch Program, a software enterprise in Shandong Province, an engineering laboratory of power transmission, and distribution electronics equipment in Shandong Province. The company has acquired a number of national, ministerial provincial level awards and is well received in the domestic and foreign markets.", "domain": "economics"}
+{"url": "http://www.ncu.edu.jm/business-competition-2017.html", "date": "2017-05-24T02:13:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-22/segments/1495463607731.0/warc/CC-MAIN-20170524020456-20170524040456-00369.warc.gz", "language_score": 0.960137665271759, "token_count": 442, "dump": "CC-MAIN-2017-22", "global_id": "webtext-fineweb__CC-MAIN-2017-22__0__135625529", "lang": "en", "text": "One, Two, Three:\nNCU Tops National Business Model Competition\nOne, Two, Three: NCU Tops National Business Model Competition\nNCU, Mandeville, Jamaica - One, two, three; was the order of placement for Northern Caribbean University (NCU), at the fourth staging of the National Business Model Competition put on by the Development Bank of Jamaica. The competition, which was held last Friday at the Knutsford Court Hotel, had four NCU teams, trained by the Morris Entrepreneurship Centre, entering the competition. Of the four teams, three of them advanced to the finals, which saw NCU as champions for the fourth consecutive time.\nNatsima Nutraceuticals won the competition with a natural treatment for sinusitis which can also be used to prevent asthma attacks. The team developed this remarkable formula from Ginger, Guinea Hen Weed and Garlic, and it is intended to be used along with a vaporizer.\nSecond place went to GenisisWay who developed Ackee Butter from Jamaica’s national fruit. Ackee Butter is not only tasty and affordable, it is also an excellent source of natural and healthy unsaturated fats, making it a suitable alternative to other butters. Ackee Butter can be enjoyed by vegans, the health conscious and individuals with food allergies as it is cholesterol free, non-dairy and nut free.\nSotare placed third, having developed a system that produces root tubers such as yam and sweet potato that is cost-effective and efficient through the use of hydroponics as the nutrient source instead of soil. The aim is to enhance the growth rate, quality and quantity of these root tubers. This will in turn increase the productive output of farmers.\nNCU’s President, Dr Lincoln Edwards was present and gave remarks on behalf of NCU. He commended all the competitors for having taken up the challenge to enter a competition of such magnitude and said that he was excited for the future of Jamaica where entrepreneurship, innovation and creativity is concerned.\nNatsima Nutraceuticals will go on to represent Jamaica in May in Silicon Valley California for the global championships.", "domain": "economics"}
+{"url": "https://sketchbook.nclud.com/nclud-highlights-team-members-dedication/", "date": "2023-12-04T19:58:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100534.18/warc/CC-MAIN-20231204182901-20231204212901-00295.warc.gz", "language_score": 0.9573773741722107, "token_count": 583, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__46551032", "lang": "en", "text": "Now is the time to think small. Small business that is.\nDid you know that small businesses account for 99.7% of firms with paid employees in the United States? It’s true. Small businesses make a large impact on both the national economy and their local markets.\nWhat’s more, they provide healthy economic competition and incentive for innovation. By having neighbors helping neighbors and friends helping friends, small businesses really are the backbone of the economy.\nIt’s no wonder there has been so much emphasis on them in recent current events. At this time more than ever, it’s vital that all economic players — regardless of their size — come together to support small businesses.\nAs a small business ourselves, we wanted to take this opportunity to recognize the constantly devoted efforts of our team members. Since 1998, we’ve been established as an interactive agency based out of Washington, D.C.\nOur team members are known for being unabashed agents of change. Combining deep technical expertise with artistic talent, our employees create everything inside the medium it is meant for.\nThey’re incredible at dissecting where our clients are and plotting a course for where they want to be, all with unexpected combinations of strategy and style.\nOur small, but mighty team of rock stars is known for implementing new ideas through our strategically iterative and inclusive process. From the very start, every stage of our creative process is holistic, functional, and interactive.\nWe can’t help bragging about our amazing team members, but it seems that our clients can’t either. In a recent online review, the director of a PR company we’re partnered with took the time to leave some feedback about our engagement.\nThey said, “Their flexibility and ability to work with us distinguish them. Even as project scopes change in the middle of development, they remain flexible and open to getting the client exactly what they need. On top of that flexibility comes their accessibility; it’s easy to get them on the phone if necessary.”\nWe’re so grateful for all of our partners who have left us reviews. This feedback helps us recognize our employees’ contributions so we can acknowledge and celebrate their successes.\nPlatforms like The Manifest help us increase our online visibility to those who search through company projects to make their buying decisions. The fact that we’re currently listed as a top agency in Washington, D.C. is due to our team members’ constant dedication and efforts.\nOur leadership team at nclud is thrilled to celebrate our employees’ successes and accomplishments! We would like to extend a big thank you to our hard workers and want to express our constant gratitude and appreciation for them.\nFeel free to drop a line if you’d like to start your next project!", "domain": "economics"}
+{"url": "http://www.flyfxe.com/Home/Components/News/News/1153/2713?backlist=%2F", "date": "2017-03-25T15:38:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218188962.14/warc/CC-MAIN-20170322212948-00372-ip-10-233-31-227.ec2.internal.warc.gz", "language_score": 0.9160405993461609, "token_count": 1027, "dump": "CC-MAIN-2017-13", "global_id": "webtext-fineweb__CC-MAIN-2017-13__0__109638255", "lang": "en", "text": "MIASF to Establish Fort Lauderdale’s First Foreign Trade Zone Subzone\nFOR IMMEDIATE RELEASE\nDecember 12, 2016\nKelly Skidmore, Public Relations Director\nMarine Industry Association of South Florida\n954-524-2733 / Kelly@MIASF.org\nMonique J. Damiano, Public Information Specialist\nCity of Fort Lauderdale\n954-828-5942 / firstname.lastname@example.org\nMarine Industry Association of South Florida to Establish\nFort Lauderdale’s First Foreign Trade Zone Subzone\nFort Lauderdale, FL – Phil Purcell, Executive Director of the Marine Industry Association of South Florida (MIASF), announced today that MIASF received approval from the Foreign Trade Zone (FTZ) Board and City of Fort Lauderdale FTZ No. 241 for a 16-site FTZ marine industry subzone, which is a group of sites established for a specific use. Once established, each of the 16 sites included in this special-purpose subzone will operate as a commercial marina, a marine parts and components business, or a yacht repair facility. Foreign Trade Zone restricted-access sites are considered to be outside the U.S. Customs territory, and as such, can defer, reduce, or eliminate Customs duties on foreign products.\n“This is a first of its kind in the United States,” Purcell said. “Fort Lauderdale is already known as the yachting capital of the world and will now be known for introducing the first FTZ subzone dedicated to the recreational boating industry,” Purcell added.\nAs a leading economic engine that contributes $8.8 billion to our area, the success of the marine industry is directly tied to the long-term growth, development, and prosperity of Fort Lauderdale,” said Mayor John P. “Jack” Seiler. “Providing economic incentives through our Foreign Trade Zone program will enable marine industry businesses to free up important resources that can be used to expand operations, increase revenue, and create additional jobs and career opportunities for our community, while also serving as a valuable tool for future business attraction and retention.”\n“Strengthening our marine industry by creating an environment that will encourage more business is the key reason to pursue Foreign Trade Zone activity,” said Karen Reese, FTZ Administrator for the City of Fort Lauderdale’s FTZ No. 241. “The City expects to continue expanding the marine industry business through FTZs.”\n“Now that the initial filing for FTZ status has been approved, we are excited to begin working with each marina or marine distributor site to activate in compliance with U.S. Customs and Border Protection regulations,” said Gary Goldfarb, Chief Strategy Officer of Interport Group of Companies. “This is a monumental achievement for the City of Fort Lauderdale, the marine industry, and the community as a whole. There are so many more options for the industry under an FTZ and, as a result, we expect this will be a very active sector for jobs for years to come,” Goldfarb added.\nAbout Marine Industry Association of South Florida\nThe Marine Industries Association of South Florida (MIASF) is the largest trade organization in the Southeast United States dedicated to promoting, protecting, and growing the 110,000 middle class jobs in Broward County and 136,000 jobs regionally in marine businesses promoting boating lifestyles from family cruising and fishing to yachts and the goods and services that sustain them, driving the economic output to $8.8 billion in Broward County and $11.5 billion regionally. Created in 1961, the not-for-profit trade group is focused on the sound growth of the marine industry in the South Florida Region to benefit its members, their customers, communities and the environment. The Association has over 500 members in Broward, Miami-Dade, and Palm Beach Counties and is the owner of the Fort Lauderdale International Boat Show.\nAbout Fort Lauderdale Executive Airport\nFort Lauderdale Executive Airport is one of the nation’s busiest general aviation airports handling close to 160,000 aircraft operations per year. The airport is home to more than 900 aircraft along with four full-service, fixed-base operators, a 24-hour Federal Aviation Administration Air Traffic Control Tower, an onsite U.S. Customs and Border Protection facility, a 24-hour aircraft rescue and firefighting station, a Fort Lauderdale police substation, and 24-hour security. FXE also operates a 200-acre Industrial Airpark, the City’s Foreign-Trade Zone #241, and the downtown Fort Lauderdale John Fuhrer Helistop.\nAbout Interport Group of Companies\nInterport Group of Companies, which is headquartered in Miami, FL, is a full-service supply chain management company, providing consulting, FTZ operations, warehousing, freight forwarding, customs brokerage, and technology development for more than 15 years.", "domain": "economics"}
+{"url": "https://www.superstrain.com/pages/promo-and-coupons", "date": "2024-02-21T02:24:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473360.9/warc/CC-MAIN-20240221002544-20240221032544-00419.warc.gz", "language_score": 0.9338967800140381, "token_count": 261, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__143828082", "lang": "en", "text": "Promo and Coupons\nSuperstrain Promo Codes\nFor consumers, promo and coupon codes offer several advantages. First and foremost, they provide an opportunity to save money. By applying a promo or coupon code at checkout, customers can enjoy discounts on their purchases, obtain free shipping, or receive other enticing offers. These codes can significantly lower the overall cost of an order, making it more affordable for budget-conscious shoppers or those looking to maximize their savings.\nMoreover, promo and coupon codes can enhance the overall shopping experience. They create a sense of exclusivity and reward, which is one of the reasons why we like to use them. We know that these promotions help our customers feel appreciated and valued. These codes often act as incentives for customers to return to the store for future purchases, which is how we foster customer loyalty.\nIn the case of Superstrain, pur diverse range of alternative products can be even more accessible with the use of promo and coupon codes. Customers interested in mushroom gummies, mushroom supplements, Delta 8 vapes, HHC gummies, or other hemp-derived products can enjoy these items at discounted prices, making them more affordable and attractive. Superstrain's promo and coupon codes allow customers to explore the benefits of alternative products while staying within their budget.", "domain": "economics"}
+{"url": "https://pfmsearch.com/in-the-community/connecting-communities-business-leaders/", "date": "2023-03-25T13:15:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296945333.53/warc/CC-MAIN-20230325130029-20230325160029-00692.warc.gz", "language_score": 0.9516175985336304, "token_count": 309, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__251226190", "lang": "en", "text": "(Photo above left to right: PFM Partner, Shaun Carpenter; Victoria Mayor, Lisa Helps; GVHA CEO, Ian Robertson)\nIn an effort to connect community and business leaders together, PFM Executive Search hosted a special breakfast in Victoria at which Ian Robertson – our newly recruited CEO candidate for the Greater Victoria Harbour Authority (GVHA) – provided an outline of priorities for the organization and some exciting plans for the future.\nIan described for us some emerging GVHA initiatives for increasing economic development within the region, such as a greater collaboration within the tourism sector, especially with the cruise ship industry. Many of his remarks touched on building strong working relationships and partnerships with a wide variety of stakeholders, including First Nations.\nGuests attending this event included the Mayor of Victoria, Lisa Helps (pictured above), Capital Regional District Chair and Mayor of Oak Bay, Nils Jensen, as well as other key business and community leaders from across the Capital region. The breakfast was hosted by PFM Executive Search Partners, George Madden, Shaun Carpenter and Shelina Esmail.\nGatherings such as these that PFM executive Search hosts are not only a great opportunity to provide information to an influential group of individuals in an informal format but it also provides a chance for people to network and share experiences. Our firm sees great value in hosting these private breakfast sessions as part of our own executive search firm’s community investment activities, linking leaders together from various BC communities, including Victoria, in a social environment where ideas are generated.", "domain": "economics"}
+{"url": "https://labmaster.com.br/unfair-contract-terms-and-life-insurance/", "date": "2024-02-29T20:34:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474853.43/warc/CC-MAIN-20240229202522-20240229232522-00872.warc.gz", "language_score": 0.9549920558929443, "token_count": 408, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__167758468", "lang": "en", "text": "Unfair contract terms and life insurance are a significant concern for consumers. It is not uncommon for insurance providers to include complex terms and conditions in their policies, leaving the policyholder vulnerable to exploitation.\nOne of the primary issues with unfair contract terms in life insurance is the lack of transparency. In some cases, policyholders may not fully understand the ins and outs of their policy. This can lead to misunderstandings and ultimately result in a claim being rejected or a payout being denied.\nInsurance providers have been known to include terms in their policies that limit their liability, which may not be in the best interest of the consumer. For example, an insurance policy may state that the provider will only pay out if the policyholder dies from a specific cause such as a heart attack, while excluding other causes such as cancer.\nThese terms are often buried deep in the fine print of a policy, making them difficult to understand or even notice. Consumers may be unaware of these limitations when they purchase insurance, which can lead to frustration and financial stress later.\nAnother concern with unfair contract terms in life insurance is that they can disproportionately affect vulnerable groups such as the elderly, those with disabilities or low-income individuals. These individuals may be more likely to require life insurance and may not have the resources or knowledge to fully understand the terms of their policy.\nFortunately, there are ways for consumers to protect themselves against unfair contract terms in life insurance. One option is to seek assistance from a financial advisor or legal professional who can help explain the terms of a policy and identify any potential issues.\nAnother way to protect yourself is to compare policies from different providers before making a decision. This can help you to identify providers that offer fair and transparent policies.\nIn conclusion, unfair contract terms in life insurance are a real concern for consumers. It is important to be aware of the terms of your policy and seek help if you are unsure about any provisions. By doing so, you can ensure that you are adequately protected and avoid financial stress down the line.", "domain": "economics"}
+{"url": "https://www.vacatures.nl/bedrijf/2406963/", "date": "2024-04-23T17:21:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818732.46/warc/CC-MAIN-20240423162023-20240423192023-00106.warc.gz", "language_score": 0.7809939980506897, "token_count": 169, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__93041335", "lang": "en", "text": "Marel is the leading global provider of advanced processing systems and services to the Poultry, Meat and Fish industries. We offer the convenience of a single source to meet every need. Our state-of-the-art equipment and systems help food processors of all sizes, in all markets, to operate at peak productivity.\nOur team is comprised of approximately 4,600 employees worldwide, offices and subsidiaries in 30 countries across six continents, and a network of more than 100 agents and distributors.\n1001 t/m 5000 werknemers\nVacatures bij Marel", "domain": "economics"}
+{"url": "https://dtts.com.au/", "date": "2024-04-16T10:59:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817081.52/warc/CC-MAIN-20240416093441-20240416123441-00199.warc.gz", "language_score": 0.9512099027633667, "token_count": 352, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__151418587", "lang": "en", "text": "Accountant on the Central Coast\nYour Trusted Accounting Advisors\nDynamic Accounting Taxation Advisors is your trusted firm providing accounting, bookkeeping, taxation and self-managed superannuation fund (SMSF) assistance. Based in Terrigal, we provide clients on the Central Coast with updated and accurate accounting and taxation services.\nWe help grow your business by managing your finances and handling administrative tasks. Our team of experts takes care of updating your general ledgers, submitting tax returns, preparing your financial records and other accounting needs. We also advise businesses on how to protect their assets and increase their profits.\nOur accountants guide individuals through taxation processes and investment methods. We teach you how to navigate through the difficult parts of your SMSF, so that you can live comfortably when you decide to retire.\nTeam of Experts\nOur company is comprised of experienced accountants and bookkeepers who are knowledgeable in the constantly changing taxation and economic landscape. We are experts in the following areas:\nWe owe our efficiency to using the latest accounting tools. We have MYOB and Xero, two of the most commonly used accounting software in our industry that can make every bookkeeping or accounting task a lot easier. Our programs will manage the financial aspects of your business including, but not limited to:\nYour financial success is what we are aiming for.\nThe best way to ensure that you or your company thrives is to help you focus your attention on expanding your business while leaving the accounting tasks to us.\nWe help individuals, sole traders, partnerships and companies their with accounting and taxation requirements.\nWe provide practical advice to individuals and companies to improve their financial situation. We help you with tax breaks, appeals and more.", "domain": "economics"}
+{"url": "https://virginiawineexpo.com/about/charitable-beneficiary", "date": "2024-03-04T16:01:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476452.25/warc/CC-MAIN-20240304133241-20240304163241-00341.warc.gz", "language_score": 0.9112632870674133, "token_count": 477, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__202218948", "lang": "en", "text": "The beneficiary of the 2024 Virginia Wine Expo is the Richmond Metropolitan Habitat for Humanity!\nAbout Richmond Metropolitan Habitat for Humanity\nOur vision is a world where everyone has a decent place to live. Seeking to put God’s love into action, Richmond Metropolitan Habitat for Humanity brings people together to build homes, communities and hope.\nAt our core, Habitat for Humanity is a nonprofit organization that helps families build and improve places to call their home. We believe affordable housing plays a role that is critical in building strong and stable communities.\nWith your help, Habitat homeowners will achieve the strength, stability and independence they need to build a better life for themselves and their families. Please consider donating, volunteering, or finding other ways you can get involved with Richmond Metropolitan Habitat for Humanity.\nHow to Support Richmond Metropolitan Habitat for Humanity\nThe lack of affordable, safe housing is a critical problem in our area. Your monetary donations and gifts in kind of goods and services increase the available safe, affordable housing in our community and help break the cycle of poverty by providing affordable homes.\nHelp us provide housing with your donations here: https://interland3.donorperfect.net/weblink/weblink.aspx?name=E79652&id=1\nVolunteers are the backbone of Richmond Metropolitan Habitat for Humanity, helping us build homes and organize our ReStores. We have an open-door policy: all who believe that everyone needs a decent, affordable place to live are welcome to help with the work, regardless of race, religion, age, gender, political views, or any of the other distinctions that too often divide people.\nYou can find many exciting opportunities to volunteer: https://richmondhabitat.galaxydigital.com/\nHabitat for Humanity ReStores are nonprofit home improvement stores and donation centers that sell new and gently used furniture, appliances, home accessories, building materials and more to the public at a fraction of the retail prices. Our Northside ReStore is located at 1901 Roane Street, Richmond, VA 23222 and our Chesterfield ReStore is at 1201 Mall Drive, Chesterfield, VA 23235.\nLearn more about shopping or donating to our ReStores here: https://richmondhabitat.org/restore/", "domain": "economics"}
+{"url": "https://www.elmhaypark.co.uk/mid-week-weddings", "date": "2024-04-21T02:44:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817699.6/warc/CC-MAIN-20240421005612-20240421035612-00525.warc.gz", "language_score": 0.9455012679100037, "token_count": 209, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__71287138", "lang": "en", "text": "Mid Week Weddings at Orchardleigh\nChoosing to marry mid week or during the winter months is a fabulous way of reducing your overall Wedding spend; this not only includes the venue but other suppliers often reduce their rates mid week too.\nGreat savings on total wedding cost\nGreater Choice and Greater Availability.\nIncreasing in popularity\nMid Week Weddings have increased in popularity over the past ten years. Not only does having a mid week wedding bring down the overall cost of your big day, but it also makes it more possible to extend the celebrations over two or three days.\nBells and whistles\nSaving on the overall package cost means you may be able to afford all of those little extras you've always dreamed of. Ask us about our preferred suppliers for ideas.\nYour dream date\nGenerally speaking, Venues and Suppliers will have more availability mid week so it gives you more choice and a greater chance of securing your Dream Venue, Photographer, Band and so on for your chosen day.", "domain": "economics"}
+{"url": "https://fasthomeoffer.com/resources/glossary.asp?letter=T", "date": "2023-10-01T18:42:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510924.74/warc/CC-MAIN-20231001173415-20231001203415-00793.warc.gz", "language_score": 0.9499440789222717, "token_count": 470, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__75729219", "lang": "en", "text": "As opposed to joint tenancy, when there are two or more individuals on title to a piece of property, this type of ownership does not pass ownership to the others in the event of death.\nA process by which a lender uses another party to completely or partially originate, process, underwrite, close, fund, or package the mortgages it plans to deliver to the secondary mortgage market.\nA legal document evidencing a person's right to or ownership of a property.\nA company that specializes in examining and insuring titles to real estate.\nInsurance that protects the lender (lender's policy) or the buyer (owner's policy) against loss arising from disputes over ownership of a property.\nA check of the title records to ensure that the seller is the legal owner of the property and that there are no liens or other claims outstanding.\nAny means by which the ownership of a property changes hands. Lenders consider all of the following situations to be a transfer of ownership: the purchase of a property subject to the mortgage, the assumption of the mortgage debt by the property purchaser, and any exchange of possession of the property under a land sales contract or any other land trust device.\nState or local tax payable when title passes from one owner to another.\nAn index that is used to determine interest rate changes for certain adjustable-rate mortgage (ARM) plans. It is based on the results of auctions that the U.S. Treasury holds for its Treasury bills and securities or is derived from the U.S. Treasury's daily yield curve, which is based on the closing market bid yields on actively traded Treasury securities in the over-the-counter market. [Top]\nA fiduciary who holds or controls property for the benefit of another.\nA federal law that requires lenders to fully disclose, in writing, the terms and conditions of a mortgage, including the annual percentage rate (APR) and other charges.\nA property that consists of a structure that provides living space (dwelling units) for two to four families, although ownership of the structure is evidenced by a single deed.\nAn adjustable-rate mortgage (ARM) that has one interest rate for the first five or seven years of its mortgage term and a different interest rate for the remainder of the amortization term.", "domain": "economics"}
+{"url": "http://www.newstasis.com/2014/09/09/some-end-of-life-considerations-you-may-not-have-considered/", "date": "2023-05-28T00:22:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224643388.45/warc/CC-MAIN-20230527223515-20230528013515-00505.warc.gz", "language_score": 0.9639425873756409, "token_count": 917, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__120940799", "lang": "en", "text": "Everyone dies. Until that changes, there is a very good chance that you will need to deal with the end of life of someone you care about; maybe even yourself.\nThe challenge in dealing with these issues is that death is an emotionally charged subject. As such, your logical thinking capabilities are going to be turned-down or off and your actions will be automatic. The goal of this post is to outline some of the things that can happen and offer-up an alternative possibility that will serve your interest more effectively. Keep in mind that almost everyone is selling something and there are people who will take advantage of your decreased resistance and get you to buy things you don’t want, need or have options about.\n1) Parking – for some reason the parking garages of many hospitals are now regarded as profit centers to help bridge the gap between costs and funding. This may be true, but it is a poor justification for charging the loved ones of a terminally ill person $16 a day to park. This cost can grow very quickly and may eventually become a reason for NOT visiting. $112 a week is money that can be better spent.\nWhat To Do: If you cannot get a ride to and from the hospital consider finding a parking lot that is close-by and does not cost anything. If you do need to pay for parking, look for a weekly / monthly pass. These passes may be transferable so you can share it among your relatives and other loved ones.\n2) Bringing your own casket / urn – in Ontario you are allowed to supply your own casket / urn and the funeral home legally must use them. This can save you thousands of dollars because you remove another tier of profit takers.\nWhat To Do: Google “casket outlet” and check out some of the sites. You’ll quickly notice that the caskets look great; the same as the ones you will be offered at the funeral home. The outlet will deliver the casket to the funeral home so after you buy it, you can focus your energy on the more important things that need to be addressed.\n3) Embalming is not necessary if there is only going to be a single viewing. The tips of the fingers and the finger nails won’t look the same, they’ll likely appear slightly discolored and a little shriveled, but the face will look effectively the same. Having seen both the embalmed and un-embalmed it is a fair statement that neither looks like a living person.\nWhat To Do: If there is only going to be a single viewing, talk to the funeral director about not embalming. They’ll likely try to sell you the service, but they’ll be able to explain the visual differences.\n4) You can barter with almost everyone involved in the end of life industry. There is a huge mark-up in everything associated with funerals so you are free to ask for discounts, ask for different vendors and to supply your own. There are a few items / processes that must be taken care of by government regulated companies – there is no DIY cremation for example – so anticipate “no” on a few items, but there is no good reason to pay a 400% mark-up on flowers or catering.\nWhat To Do: Know your budget and be firm with it. Tell the funeral director your budget and always be aware that the amount of money spend on a service has no connection to the life the person lived or the amount of love you feel towards them. The directors are going to suggest more expensive services, upgrades and add-ons that will balloon the cost in no time. They want to create a beautiful experience so their suggestions are probably fair. But only YOU know the experience that is appropriate so stay firm with that. Paying more money for the same experience may not make sense so take the time to consider all of the options and to ask for a lower price.\nEvery life will come to an end. It can be sad but this sadness should not mean that you get ripped off. Knowing what you want for yourself or for your loved one will arm you to make good decisions that mean you pay only what you need to pay and that you get only what you want. The intensity of the grief will fade and, when it does, it doesn’t need to be replaced with regret or hours of work to pay for stuff you were sold unnecessarily.", "domain": "economics"}
+{"url": "https://connectr.tech/services/web3-distribution/", "date": "2024-03-02T06:34:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475757.50/warc/CC-MAIN-20240302052634-20240302082634-00643.warc.gz", "language_score": 0.8821971416473389, "token_count": 472, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__109800654", "lang": "en", "text": "Discover Web3: The Future of Decentralization\nExperience the decentralized web with Web3 distribution – your gateway to a more democratic, secure, and peer-to-peer online world.\nIn the rapidly evolving landscape of the internet, Web3 distribution stands as a transformative force. It represents a paradigm shift towards decentralized, community-driven platforms, where ownership, governance, and value sharing are no longer controlled by a central authority. Instead, they are in the hands of the users themselves.\nWeb3 distribution hinges on blockchain technology, which allows for transparent and immutable records of ownership. Through the use of blockchain-based tokens, such as cryptocurrencies and NFTs (Non-Fungible Tokens), users can assert ownership over digital assets, content, and even governance decisions within a decentralized network.\nWeb3 distribution platforms often employ decentralized autonomous organizations (DAOs) that empower users to have a say in the development and direction of the platform. Token holders can vote on proposals, shaping the future of the platform in a truly democratic manner.\nOne of the hallmarks of Web3 distribution is the concept of value sharing. Users who contribute to a platform, be it through content creation, community building, or other forms of participation, can be rewarded with tokens or other incentives. This model flips the traditional internet monetization model on its head, allowing users to share in the value they help create.\nWeb3 distribution encourages interoperability between platforms. Users can seamlessly move their assets and data across different decentralized applications (dApps) and services, creating a more fluid and user-centric internet experience.\nPrivacy and Security:\nBlockchain technology and decentralized networks enhance user privacy and security. Users have greater control over their data and digital identities, reducing the risks associated with centralized data storage and control.\nThe Future of the Internet:\nWeb3 distribution is reshaping the internet as we know it, promoting user sovereignty, transparency, and trust. It empowers individuals to be active participants in the digital realm, offering a promising vision of a more equitable and user-centric internet.\nAs Web3 distribution continues to gain momentum, it invites us to reimagine the way we interact with digital platforms, content, and services. Join us on this transformative journey into the world of Web3 distribution, where the internet truly belongs to the users.", "domain": "economics"}
+{"url": "https://info.axiomsw.com/axiomhq-ebanking-add-on-consultation", "date": "2024-02-27T06:48:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474671.63/warc/CC-MAIN-20240227053544-20240227083544-00159.warc.gz", "language_score": 0.9142667651176453, "token_count": 147, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__100304107", "lang": "en", "text": "Discover the ease and efficiency of automatic vendor payment processing right from your ERP system.\nEliminate the need for mailed printed checks or manually entering payment information into your bank website. With AxiomHQ/eBanking, all payment data is transmitted to your banks and financial institutions in real time. Streamline vendor payments with an automated, digitized payment processing system—directly from AxiomHQ.\nAxiomHQ/eBanking currently supports the electronic transmission of the following payment data types to your banks:\nWe’d love to talk to you about how AxiomHQ/eBanking can improve your payment processes.\nYour free consultation is the first step in building a truly integrated ERP platform.", "domain": "economics"}
+{"url": "https://www.lapalmagrill.com/about", "date": "2021-09-17T06:47:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780055601.25/warc/CC-MAIN-20210917055515-20210917085515-00716.warc.gz", "language_score": 0.9419030547142029, "token_count": 156, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__145907153", "lang": "en", "text": "The state of Zacatecas (Spanish pronunciation: [sakaˈtekas]), located in the north-central portion of the Mexican Republic, is a land rich in cultural, religious, and historical significance. With over 28,900 square miles, Zacatecas is Mexico's eighth largest state. With a population of 1,441,734 inhabitants, Zacatecas depends upon cattle-raising, agriculture, mining, communications, food processing, tourism, and transportation for its livelihood.\nAlthough much of Zacatecas is desert, the primary economic driver of the state is agriculture. Zacatecas is Mexico's foremost producer of beans, chili peppers, and cactus leaves, and holds second place in guava production, third in grapes, and fifth in peaches.", "domain": "economics"}
+{"url": "https://mcdougalldesigns3d.com/blogs/news/shipping-policy-change-and-news-update-7-13-2022", "date": "2024-04-16T04:32:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817043.36/warc/CC-MAIN-20240416031446-20240416061446-00064.warc.gz", "language_score": 0.9668331146240234, "token_count": 238, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__167370578", "lang": "en", "text": "Greetings to my customers, friends and fellow hobbyists the world over.\nAs you may know, the Covid-19 pandemic and the resultant supply-chain issues have caused shipping prices to soar over the last few years. Unfortunately, these rising costs have crashed home here at McDougall Designs.\nIn preparation for shipping the Mantic games products currently on their way to me, I have done some research into shipping costs for larger box sizes and weights. Especially for the size and weight you would expect to see with regards to army sets.\nAfter looking at the numbers, I have decided (effective immediately) to raise the free shipping threshold on domestic plastics orders to $100. Orders ranging between $50 and $99.99 will have a flat $10 shipping fee.\nInternational rates have also varied wildly, but as less than 10% of my sales are international I intend to deal with these on a case by case basis. I will be keeping an eye on the situation and will make an update on the blog for transparency.\nThank you all for your continued support of my small business, especially through these uncertain times.", "domain": "economics"}
+{"url": "https://santaichinh.com/elon-musk-bitcoin-on-the-verge-of-broad-acceptance/", "date": "2021-03-03T09:13:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178366477.52/warc/CC-MAIN-20210303073439-20210303103439-00078.warc.gz", "language_score": 0.9670134782791138, "token_count": 123, "dump": "CC-MAIN-2021-10", "global_id": "webtext-fineweb__CC-MAIN-2021-10__0__155729889", "lang": "en", "text": "Elon Musk, the billionaire founder of Tesla\n, has said he thinks the cryptocurrency bitcoin is on “the verge” of breaking into traditional finance.\nMusk, who revealed last month he is open to being paid in bitcoin, made the comments during an interview on the app Clubhouse.\n“I do at this point think bitcoin is a good thing,” Musk told a packed Clubhouse chat room.\n“I am a supporter of bitcoin. I am late to the party but a supporter. Bitcoin is on the verge of getting broad acceptance by traditional finance people.”", "domain": "economics"}
+{"url": "https://blog.creativetools.se/en/creative-tools-acquires-autodesk-sales-from-megafront/", "date": "2024-02-21T22:25:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473558.16/warc/CC-MAIN-20240221202132-20240221232132-00244.warc.gz", "language_score": 0.935879111289978, "token_count": 459, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__109462114", "lang": "en", "text": "To continue providing personalized contact for studios and companies in the VFX and Media & Entertainment industry, Creative Tools based in Halmstad and Megafront based in Falun have decided to enter into a collaboration. The collaboration means that Megafront will end its distribution rights of Autodesk products and hand over the sales to Creative Tools.\nAs of April 27, 2023, the transfer of the distribution rights of Autodesk products from Megafront to Creative Tools has taken place and Creative Tools takes over the Autodesk customer base that Megafront has managed for 23 years. The collaboration between the two parties aims to continue benefiting the industry and provide customers with knowledgeable and personalized direct contact with a local Swedish reseller of Autodesk products.\nAs suppliers around the world demand increasingly high sales requirements from resellers, the proportion of local resellers will decrease significantly. By Creative Tools taking over the sales of Autodesk products, Megafront and Creative Tools are trying to create good conditions for one Autodesk reseller in the region.\n“Creative Tools is proud to take over Megafront’s Autodesk customer base and looks forward to continuing to offer personalized and knowledgeable contact to our new customers. With 20 years of experience in the industry, we are confident that we will be as good a partner as Megafront has proven to be,” says Malin Enting, CEO of Creative Tools.\n“This collaboration benefits the industry and is in the customer’s best interest. Since our inception in 2000, Megafront has always cherished long and good relationships. We want customers to continue to put themselves on the map through amazing work in VFX and M&E, and now that is done by Creative Tools managing the Autodesk relationships we have built over the years,” says Magnus Björkman, CEO of Megafront.\nThe collaboration only includes companies that are Autodesk customers of Megafront. Megafront will continue to offer sales and service with the same team as before for other software products from their suppliers.\nFor more information, please contact:\nMalin Enting, VD Creative Tools\nMagnus Björkman, VD Megafront", "domain": "economics"}
+{"url": "http://www.gicthevillacollection.com/carbon-offset.htm", "date": "2013-12-05T16:09:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386163046801/warc/CC-MAIN-20131204131726-00086-ip-10-33-133-15.ec2.internal.warc.gz", "language_score": 0.9515707492828369, "token_count": 304, "dump": "CC-MAIN-2013-48", "global_id": "webtext-fineweb__CC-MAIN-2013-48__0__173636522", "lang": "en", "text": "Sunvil Holidays reports a positive uptake for its opt-out carbon offset policy. In May, 56% of its customers paid to carbon-neutralise their travel - up from 47% in April. The scheme was introduced last year for 2007 brochures.\nSunvil Holidays took the bold step - one of the first UK tour operators of any size to do so - of including the carbon offset fee automatically on all holiday invoices. Customers have the choice of opting out by simply deducting the cost, which is listed separately, from their holiday invoice.\nNoel Josephides, managing director of Sunvil Holidays, says: \"Our opt-out charge has tested the water for the entire industry and has proven that the majority of consumers are genuinely concerned about responsible travel, with the percentage of take-up still rising.\n\"While we realise carbon offsetting is not a complete answer, we hope that these small steps will act as a catalyst for others to follow, which will in turn go some way to safeguarding the planet,\" he adds.\nThe carbon offset charge of a return flight to the Azores or Cyprus with Sunvil Holidays is £3.60 pp, while flights to Greece cost £2.83 pp. Money collected by Sunvil is donated to two carbon offset initiatives in Retezat National Park in Romania - the implementation of solar power at visitor and community centres and information points, and a new car park to reduce car access into the heart of the forest.", "domain": "economics"}
+{"url": "https://investors.supreme.co.uk/corporate-governance/", "date": "2024-02-28T20:07:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474744.31/warc/CC-MAIN-20240228175828-20240228205828-00666.warc.gz", "language_score": 0.9248537421226501, "token_count": 510, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__169660998", "lang": "en", "text": "Supreme’s directors recognise the importance of high standards of corporate governance and Supreme follows the QCA Corporate Governance Code for Small and Mid-Size Quoted Companies\nOur board meets regularly and is responsible for formulating, reviewing and approving our strategy, budgets, performance, major capital expenditure and corporate actions.\nWe have an audit committee, a remuneration committee and a disclosure committee with formally delegated rules and responsibilities.\nThe Audit Committee will have the primary responsibility of monitoring the quality of internal controls to ensure that the financial performance of the Group is properly measured and reported on. It will receive and review reports from the Group’s management and external auditors relating to the interim and annual accounts and the accounting and internal control systems in use throughout the Group. The Audit Committee will meet not less than three times in each financial year and will have unrestricted access to the Group’s external auditors. The members of the Audit Committee shall include two Non-executive Directors. The Audit Committee comprises Simon Lord (as Chair), Paul McDonald and Mark Cashmore.\nThe Remuneration Committee will review the performance of the Executive Directors, chairman of the Board and senior management of the Group and make recommendations to the Board on matters relating to their remuneration and terms of service. The Remuneration Committee will also make recommendations to the Board on proposals for the granting of share options and other equity incentives pursuant to any employee share option scheme or equity incentive plans in operation from time to time. The Remuneration Committee will meet as and when necessary, but at least twice each year. In exercising this role, the Directors shall have regard to the recommendations put forward in the QCA Code and, where appropriate, the QCA Remuneration Committee Guide and associated guidance. The members of the Remuneration Committee shall include two Non-executive Directors. The Remuneration Committee comprises Mark Cashmore (as Chair), Simon Lord and Paul McDonald.\nThe Nomination Committee will lead the process for board appointments and make recommendations to the Board. The Nomination Committee shall evaluate the balance of skills, experience, independence and knowledge on the board and, in the light of this evaluation, prepare a description of the role and capabilities required for a particular appointment. The Nomination Committee will meet as and when necessary, but at least once each year. The Nomination Committee comprises Mark Cashmore (as Chair), Simon Lord and Paul McDonald.\nTo view Supreme’s QCA Corporate Governance Code Compliance Statement please click here.", "domain": "economics"}
+{"url": "https://gamtostyrimai.lt/en/projects/projects-supported-by-the-eu/establishment-of-the-joint-nature-research-centre-jnrc_1", "date": "2021-08-05T21:19:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046157039.99/warc/CC-MAIN-20210805193327-20210805223327-00225.warc.gz", "language_score": 0.8980947136878967, "token_count": 583, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__173698461", "lang": "en", "text": "Establishment of the Joint Nature Research Centre (JNRC)\nProjects leader: Aušra Stankuvienė\nProject code: VP2-1.1-ŠMM-04-V-01-008\nProject executor: Nature Research Centre\nProject name: Establishment of the Joint Nature Research Centre (JNRC)\nIn accordance with the Executive Order No V-59 “On allocation of funds according to the measure VP2-1.1-ŠMM-04-V ‘Strengthening of the general infrastructure of research and studies’ of priority 1 ‘R&D intended for the growth of business competitiveness and economy’ of the Program of Economic Growth for 2007-2013” of the Minister of Education and Science of the Republic of Lithuania dated 14 Jan 2010, the EU funds and certain budgetary allocations of the Republic of Lithuania are appropriated for the project to be run by the Nature Research Centre to establish the Joint Nature Research Centre (JNRC). The new centre will focus on nature R&D. The project is one of the measures (projects) to implement the development program of the Integrated Science, Studies and Business Centre (Valey) “Santara”. The necessity of the project was conditioned by old-dated R&D infrastructure inadequate for the state-of-the-art research challenges, a need for up-to-date scientific works, concentration of scientific potential and top-level research related to ecosystems and sustainable development. The target groups of the project are scientists, researchers, students attaining master and doctoral degrees, as well as businessmen and public institutions carrying on R&D activities. The project is intended to be implemented until 30 September 2014. In the course of the project, a set of research laboratories will be built on the existing foundations in the premises of the Nature Research Centre of Vilnius University at Akademijos St 2, Vilnius, three open access centres will be created:\n- Centre of Ecotoxicology;\n- Centre of Biotaxonomy, Ecology and Molecular Research;\n- Centre of Georeserach, and new research laboratory equipment (3 sets) to service the centres will be acquired.\nThe partner of the project is Vilnius University.\nThe Nature Research Centre and the Faculty of Natural Sciences of Vilnius University will form the general natural sciences and studies system and the infrastructure of JNRC. The fixed assets created and acquired in the course of the project will belong to the Nature Research Centre and the Faculty of Natural Sciences of Vilnius University. Expenses for infrastructure and required reinvestments will be covered by the Nature Research Centre and the Faculty of Natural Sciences of Vilnius University, from income the size whereof is calculated taking into account better possibilities of institutions to perform greater amounts of contract works.", "domain": "economics"}
+{"url": "http://kmiawards.ca/index.php/nominate?award_id=142", "date": "2018-08-15T13:22:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-34/segments/1534221210105.8/warc/CC-MAIN-20180815122304-20180815142304-00299.warc.gz", "language_score": 0.9128379821777344, "token_count": 160, "dump": "CC-MAIN-2018-34", "global_id": "webtext-fineweb__CC-MAIN-2018-34__0__45908362", "lang": "en", "text": "THE AWARD FOR DIVERSIFIER OF THE YEAR\nThis award goes to the brokerage (regardless of size) that has been most success in expanding its business model beyond mortgage originations, to incorporate services such as insurance, syndicate mortgage referrals, real estate sales, financial planning, etc, and in the process has created synergies for the operation as a whole. The category will consider nominations from brokerages that have implemented such plans, effectively broadening existing revenue streams and leveraging the success of an existing book of mortgage clients.\nJudges will consider submitted collateral explaining the business model, brokerage strategy, revenue growth 2015 post-diversification, client testimonials, etc.\nThe nomination for this event is now closed.\nPlease check out our upcoming events.back to all awards", "domain": "economics"}
+{"url": "https://artezpress.artez.nl/en/terms-and-conditions/", "date": "2023-09-29T23:56:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510529.8/warc/CC-MAIN-20230929222230-20230930012230-00065.warc.gz", "language_score": 0.937306821346283, "token_count": 2482, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__118446225", "lang": "en", "text": "Table of Contents\n- Identity of the Entrepreneur\n- The Offer\n- The Agreement\n- Right of Withdrawal\n- Costs in Case of Withdrawal\n- Exclusion of Right of Withdrawal\n- The Price\n- Conformity and Warranty\n- Delivery and Implementation\n- Complaints Procedure\n- Additional or Different Provisions\nArticle 1. Definitions\nIn these conditions the following terms have the following meanings:\n- Reflection period: the period within which the consumer can make use of his right of withdrawal;\n- Consumer: the natural person who does not act in the exercise of a profession or business and who enters into a distance contract with the entrepreneur;\n- Day: calendar day;\n- Durable medium: any means that enables the consumer or entrepreneur to store information that is addressed to him personally in a way that enables future consultation and unaltered reproduction of the stored information.\n- Right of withdrawal: the option for the consumer to cancel the distance contract within the cooling-off period;\n- Entrepreneur: the natural or legal person who offers products and / or services to consumers from a distance;\n- Distance contract: an agreement whereby, in the context of a system organized by the entrepreneur for the distance sale of products and / or services, up to and including the conclusion of the agreement, only one or more techniques for communication are used. distance;\n- Technology for distance communication: means that can be used to conclude an agreement, without the consumer and entrepreneur being together in the same room at the same time.\nArticle 2. Identity of the Entrepreneur\nChamber of Commerce number: 09109756\nVAT identification number: NL808578765B01\nArticle 3. Applicability\n- These general terms and conditions apply to any offer from the entrepreneur and to any distance contract concluded between the entrepreneur and the consumer.\n- Before the distance contract is concluded, the text of these general terms and conditions will be made available to the consumer. If this is not reasonably possible, before the distance contract is concluded, it will be indicated that the general terms and conditions can be viewed at the entrepreneur and that they will be sent free of charge as soon as possible at the request of the consumer.\n- If the distance contract is concluded electronically, contrary to the previous paragraph and before the distance contract is concluded, the text of these general terms and conditions can be made available to the consumer electronically in such a way that they are consumer can be easily stored on a durable data carrier. If this is not reasonably possible, before the distance contract is concluded, it will be indicated where the general terms and conditions can be inspected electronically and that they will be sent free of charge electronically or otherwise at the request of the consumer.\nArticle 4. The Offer\n- If an offer has a limited period of validity or is made subject to conditions, this will be explicitly stated in the offer.\n- The offer contains a complete and accurate description of the products and / or services offered. The description is sufficiently detailed to enable the consumer to make a proper assessment of the offer. If the entrepreneur uses images, these are a true representation of the products and / or services offered. Obvious mistakes or errors in the offer are not binding for the entrepreneur.\n- Each offer contains such information that it is clear to the consumer what rights and obligations are attached to accepting the offer. This concerns in particular:\n- the price including taxes;\n- the possible costs of delivery;\n- the way in which the agreement will be concluded and which actions are required for this;\n- whether or not the right of withdrawal applies;\n- the method of payment, delivery and implementation of the agreement;\n- the term for accepting the offer, or the term within which the entrepreneur guarantees the price;\n- whether the agreement will be filed after it has been concluded, and if so, how it can be consulted by the consumer;\n- the way in which the consumer, before concluding the agreement, can check the information provided by him under the agreement and, if necessary, restore it;\n- any other languages in which, in addition to Dutch, the agreement can be concluded;\n- the behavioral codes to which the entrepreneur is subject and the way in which the consumer can consult these behavioral codes electronically.\nArticle 5. The Agreement\n- Subject to the provisions of paragraph 4, the agreement is concluded at the moment the consumer accepts the offer and meets the corresponding conditions.\n- If the consumer has accepted the offer electronically, the entrepreneur will immediately confirm receipt of the acceptance of the offer electronically. As long as the receipt of this acceptance has not been confirmed by the entrepreneur, the consumer can dissolve the agreement.\n- If the agreement is concluded electronically, the entrepreneur will take appropriate technical and organizational measures to secure the electronic transfer of data and he will ensure a safe web environment. If the consumer can pay electronically, the entrepreneur will take appropriate security measures.\n- The entrepreneur may — within legal frameworks — inquire whether the consumer can meet his payment obligations, as well as all those facts and factors that are important for a responsible conclusion of the distance contract. If, on the basis of this investigation, the entrepreneur has good reasons not to enter into the agreement, he is entitled to refuse an order or request or to attach special conditions to the implementation.\n- The entrepreneur will send the following information with the product or service to the consumer, in writing or in such a way that it can be stored by the consumer in an accessible manner on a durable medium:\n- the visiting address of the business location of the entrepreneur where the consumer can go with complaints;\n- the conditions under which and the way in which the consumer can make use of the right of withdrawal, or a clear statement regarding the exclusion of the right of withdrawal;\n- information about guarantees and existing service after purchase;\n- the information included in article 4 paragraph 3 of these terms and conditions, unless the entrepreneur has already provided this information to the consumer before the execution of the agreement;\n- In the event of an extended transaction, the provision in the previous paragraph applies only to the first delivery.\nArticle 6. Right of Withdrawal\n- When purchasing products, the consumer has the option to dissolve the contract without giving any reason within 14 days. This reflection period commences on the day after receipt of the product by the consumer or a representative designated in advance by the consumer and announced to the entrepreneur.\n- During the reflection period, the consumer will handle the product and packaging with care. He will only unpack or use the product to the extent necessary to assess whether he wishes to keep the product. If he makes use of his right of withdrawal, he will return the product with all accessories and — if reasonably possible — in the original condition and packaging to the entrepreneur, in accordance with the reasonable and clear instructions provided by the entrepreneur.\nArticle 7. Costs in Case of Withdrawal\n- If the consumer makes use of his right of withdrawal, the costs of return shall not exceed the cost of the return.\n- If the consumer has paid an amount, the entrepreneur will refund this amount as soon as possible, but no later than 30 days after the return or cancellation.\nArticle 8. Exclusion of Right of Withdrawal\n- The entrepreneur can exclude the consumer’s right of withdrawal insofar as provided for in paragraphs 2 and 3. The exclusion of the right of withdrawal applies only if the entrepreneur has clearly stated this in the offer, at least in time for the conclusion of the agreement.\nArticle 9. The Price\n- During the period of validity stated in the offer, the prices of the products and / or services being offered will not be increased, except for price changes as a result of changes in VAT rates.\n- Price increases within 3 months after the conclusion of the agreement are only permitted if they are the result of statutory regulations or provisions.\n- Price increases from 3 months after the conclusion of the agreement are only permitted if the entrepreneur has stipulated this and:\n- they are the result of statutory regulations or provisions; or\n- the consumer has the authority to cancel the agreement on the day on which the price increase takes effect.\n- The prices stated in the offer of products or services include VAT.\nArticle 10. Conformity and Warranty\n- The entrepreneur guarantees that the products and / or services comply with the agreement, the specifications stated in the offer, the reasonable requirements of reliability and / or usability and the legal requirements existing on the date of the conclusion of the agreement. A guarantee provided by the entrepreneur, manufacturer or importer does not affect the legal rights and claims that the consumer can assert against the entrepreneur on the basis of the agreement.\nArticle 11. Delivery and Implementation\n- The entrepreneur will take the greatest possible care when receiving and implementing orders for products and when assessing applications for the provision of services.\n- The place of delivery is the address that the consumer makes known to the company.\n- With due observance of what is stated in article 4 of these general terms and conditions, the company will execute accepted orders with due speed, but no later than 30 days unless a longer delivery period has been agreed. If the delivery is delayed, or if an order cannot or only partially be executed, the consumer will be notified of this no later than 30 days after placing the order. In that case, the consumer has the right to terminate the agreement without costs.\n- In case of dissolution in accordance with the previous paragraph, the entrepreneur will refund the amount that the consumer has paid as soon as possible, but no later than 30 days after dissolution.\n- If delivery of an ordered product proves impossible, the entrepreneur will endeavor to provide a replacement article. At the latest upon delivery, it will be stated in a clear and comprehensible manner that a replacement item is being delivered. For replacement items right of withdrawal can not be excluded. The costs of a possible return shipment are for the account of the entrepreneur.\n- The risk of damage and / or loss of products rests with the entrepreneur until the moment of delivery to the consumer or a representative designated in advance and announced to the entrepreneur, unless expressly agreed otherwise.\nArticle 12. Payment\n- Unless otherwise agreed, the amounts owed by the consumer must be paid within 14 days after the start of the reflection period as referred to in Article 6 paragraph 1. In the event of an agreement to provide a service, this period commences. after the consumer has received the confirmation of the agreement.\n- The consumer has the duty to report inaccuracies in provided or stated payment details to the entrepreneur without delay.\n- In the event of non-payment of the consumer, the entrepreneur has the right, subject to legal restrictions, to charge the reasonable costs made known to the consumer in advance.\nArticle 13. Complaints Procedure\n- The entrepreneur has a well-publicized complaints procedure and handles complaints in accordance with this complaints procedure.\n- Complaints about the implementation of the agreement must be submitted to the entrepreneur promptly, fully and clearly described, after the consumer has discovered the defects.\n- Complaints submitted to the entrepreneur will be answered within a period of 14 days from the date of receipt. If a complaint requires a foreseeable longer processing time, the entrepreneur will reply within 14 days with a notice of receipt and an indication when the consumer can expect a more detailed answer.\n- If the complaint cannot be resolved by mutual agreement, a dispute arises that is subject to the dispute settlement procedure.\nArticle 14. Disputes\n- Contracts between the entrepreneur and the consumer to which these general terms and conditions apply are exclusively governed by Dutch law.\nArticle 15. Additional Or Different Provisions\nAdditional provisions or provisions deviating from these general terms and conditions may not be to the detriment of the consumer and must be recorded in writing or in such a way that they can be stored by the consumer in an accessible manner on a durable data carrier.", "domain": "economics"}
+{"url": "https://designjatra.org/seed-conservation/", "date": "2022-08-19T19:42:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882573760.75/warc/CC-MAIN-20220819191655-20220819221655-00337.warc.gz", "language_score": 0.9534329175949097, "token_count": 595, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__179014871", "lang": "en", "text": "For the tribal community of Veti Murbad, rice is more than just a crop. It’s a phenomenon which determines how the community behaves throughout the year. No matter where the villager has gone to work during the summer months, he/she will return back to the farm to plant rice in the rain and wait in the village (or take up work only in the proximity) till the harvest and processing is done. Various festivals, gatherings, marriages and even economic cycles are intertwined with the sowing, replanting, deweeding, flowering, harvest and processing of rice. However, once a completely free of monetary costs activity, is now a burden to some.\nRice has become a loss making enterprise as voluntary and community sweat equity labour is now replaced by paid one and home grown bulls are now replaced by diesel run tractors. The most degrading shift for this activity however is the shift from natural heirloom seeds to hybrid ones. Native heirloom seed have an intrinsic disaster and pest repellent mechanism. They are developed through generations of planting and hence can be used again and again every season. However hybrid seed demands an intense supply of chemical pesticides and fertilizers. They also entail that the farmers buys seed every year, instead of saving seed like they used to. The bait for temporary high yield sets a permanent trap of market dependence for the farmers.\nThe seed bank at Veti Murbad is the architectural manifestation of a four year long community seed conservation process initiated by the Jatra in the village. Realizing the importance of rice to the village, the seed bank currently focuses on rice seed conservation. With the help of BIAF, Jawhar, we have been conserving heirloom seeds since the inception of the program and now have started making the seed available for communities and individual farmers.\nFor the seed bank, we chose to refurbish the old wattle and daub house of one of the founding members of the Jatra, Pratik Dhanmer. With the seed bank, the structure is expected to host the village activities of the Jatra, be a community space for the self help groups that the Jatra deals with, bamboo treatment facility and a workshops space to learn both farming and natural building. With this, the seed bank is expected to be an exhibit of wattle and daub technology. Each wall is done by modifying the traditional wattle and daub so as to suit the modern context. The building of the seed bank is done completely through workshops. It is an attempt to democratize the natural building processes where students and professionals from all fields are invited to assist us in the construction. This is done through various building workshops and volunteering programs. Each workshops adds new life to the seed bank as the batches add their mark to the structure via murals, frescos and wall arts.\nCopyright DesignJatra. All rights reserved.\nPowered by Greenturtlelab", "domain": "economics"}
+{"url": "https://en.mute-labs.com/legal/conditions", "date": "2024-03-04T02:57:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476409.38/warc/CC-MAIN-20240304002142-20240304032142-00821.warc.gz", "language_score": 0.9406502842903137, "token_count": 1993, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__104486996", "lang": "en", "text": "I. General Terms and Conditions\n§ 1 Basic Provisions\n(1) The following terms and conditions apply to contracts that you conclude with us as the supplier (mute-labs GmbH) via the website www.mute-labs.de, unless an amendment is agreed in writing between the parties. Deviating or conflicting terms and conditions are only effective with our express consent.\n(2) We only offer our products for sale if you are a natural or legal person or a partnership with legal capacity acting in the exercise of your commercial or independent professional activity when concluding the legal transaction (entrepreneur). The conclusion of a contract with consumers is excluded.\n2 Conclusion of the contract\n(1) The subject of the contract is the sale of goods. The essential features of the goods can be found in the respective offer.\n(2) As soon as the respective product is placed on our website, we submit a binding offer to conclude a contract via the online shopping basket system under the conditions stated in the respective offer.\n(3) The contract is concluded via the online shopping basket system as follows:\nThe goods intended for purchase are placed in the \"shopping basket\". You can call up the \"shopping basket\" via the corresponding button in the navigation bar and make changes there at any time.\nAfter calling up the \"Checkout\" page and entering the personal data as well as the payment and shipping conditions, all order data are finally displayed again on the order overview page.\nIf you use an instant payment system (e.g. PayPal / PayPal Express, Amazon Payments, Sofort) as a payment method, you will either be taken to the order overview page in our online shop or you will first be redirected to the website of the instant payment system provider.\nIf you are redirected to the respective instant payment system, make the appropriate selection or enter your data there. Finally, you will be redirected back to our online shop to the order overview page.\nBefore submitting the order, you have the option of checking all the details again, changing them (also using the \"back\" function of the Internet browser) or cancelling the purchase. By sending the order via the corresponding button, you declare the legally binding acceptance of the offer, whereby the contract is concluded.\n(4) You can also submit a binding contractual offer (order) by telephone, e-mail, fax or post.\nThe acceptance of the offer (and thus the conclusion of the contract) takes place in the case of an order by telephone immediately or at the latest within 5 days by means of a confirmation in text form (e.g. e-mail) in which the execution of the order or delivery of the goods is confirmed to you (order confirmation).\nIf you have not received a corresponding message within this period, you are no longer bound to your order. In this case, any services already provided will be refunded immediately.\n(5) Upon request, we will provide you with an individual offer, which will be sent to you in text form and to which we are bound for 5 days. You accept the offer with confirmation in text form.\n(6) The processing of the order and transmission of all information required in connection with the conclusion of the contract is partly automated by e-mail. You must therefore ensure that the e-mail address you have provided to us is correct, that the receipt of e-mails is technically guaranteed and, in particular, that it is not prevented by SPAM filters.\n3 Prices, terms of payment and shipping costs\n(1) The prices stated in the respective offers as well as the shipping costs represent net prices. They do not include the statutory value added tax.\n(2) The shipping costs incurred are not included in the purchase price; they are charged separately unless free shipping has been promised. Further details can be found under a correspondingly designated button on our website or in the respective offer.\n(3) You have the payment options shown under a correspondingly designated button on our website or in the respective offer. Insofar as no other payment deadline is specified for the individual payment methods or on the invoice, the payment claims from the concluded contract are due for payment immediately. The deduction of discounts is only permissible if expressly stated in the respective offer or invoice.\n§ 4 Terms of delivery\n(1 ) The expected delivery period is stated in the respective offer. Delivery dates and delivery periods are only binding if they have been confirmed by us in writing. In the case of payment in advance by bank transfer, the goods will only be dispatched after we have received the full purchase price and the shipping costs.\n(2 ) If, contrary to expectations, a product ordered by you is not available for a reason for which we are not responsible, despite the timely conclusion of an adequate covering transaction, you will be informed immediately of the unavailability and, in the event of withdrawal, any payments already made will be refunded immediately.\n(3 ) Partial deliveries are permissible and can be invoiced by us independently, provided that you are not charged additional costs for shipping as a result.\n(4 ) If you wish to change the delivery/assembly date or cancel the delivery at short notice, we will incur costs. We therefore reserve the right to invoice you for delivery and assembly costs according to the following scale:\n§ 5 Warranty\n(1 ) The warranty period is 2 years from delivery of the item. The shortened period does not apply:\n- for culpably caused damage attributable to us arising from injury to life, limb or health and for other damage caused intentionally or through gross negligence;\n- insofar as we have fraudulently concealed the defect or have assumed a guarantee for the quality of the item;\n- for items that have been used for a building in accordance with their normal use and have caused its defectiveness;\n- for statutory recourse claims that you have against us in connection with warranty rights.\n(2 ) Only our own specifications and the manufacturer's product description shall be deemed agreed as the quality of the item, but not other advertising, public promotions and statements by the manufacturer.\n(3 ) In the event of defects, we shall provide warranty at our discretion by rectification or subsequent delivery. If the rectification of defects fails, you may, at your discretion, demand a reduction in price or withdraw from the contract. The rectification of defects shall be deemed to have failed after the second unsuccessful attempt, unless the nature of the item or the defect or other circumstances indicate otherwise. In the event of rectification of defects, we shall not have to bear the increased costs incurred by moving the goods to a location other than the place of performance, provided that the move does not correspond to the intended use of the goods.\n(4 ) If permanent changes are made to the product (e.g. drilling holes, installation of components other than the product, etc.), any claim to the product warranty is void.\n§ 6 Right of retention, retention of title\n(1) You may only exercise a right of retention insofar as it concerns claims from the same contractual relationship.\n(2) We retain title to the goods until all claims arising from the current business relationship have been settled in full. Prior to the transfer of ownership of the reserved goods, a pledge or transfer of ownership by way of security is not permitted.\n(3) You may resell the goods in the ordinary course of business. In this case, you hereby assign to us all claims in the amount of the invoice that accrue to you from the resale, and we accept the assignment. You are further authorised to collect the claim. However, insofar as you do not properly fulfil your payment obligations, we reserve the right to collect the claim ourselves.\n(4) If the reserved goods are combined and mixed, we shall acquire co-ownership of the new item in the ratio of the invoice value of the reserved goods to the other processed items at the time of processing.\n(5) We undertake to release the securities to which you are entitled at your request insofar as the realisable value of our securities exceeds the claim to be secured by more than 10%. The selection of the securities to be released is incumbent upon us.\n§ 7 Choice of law, place of performance, place of jurisdiction\n(1) German law shall apply to the exclusion of the UN Convention on Contracts for the International Sale of Goods.\n(2) Place of performance as well as place of jurisdiction is our registered office, as far as you are a merchant, a legal entity under public law or a special fund under public law. The same applies if you do not have a general place of jurisdiction in Germany or the EU.\n1. Identity of the Seller\nPhone: 030-397 119 96\n2 Information on the conclusion of the contract\nThe technical steps for the conclusion of the contract and the conclusion of the contract itself, as well as the correction options, are carried out in accordance with § 2 of our General Terms and Conditions (Part I).\n3. contract language, contract text storage\n3.1. contract language is german.\n3.2. The complete contract text will not be stored by us. Before sending the order or the enquiry, the contract data can be printed out or electronically saved using the browser's print function.\nThese GTC have been prepared by the lawyers of the Händlerbund who specialise in IT law and are permanently checked for legal conformity. Händlerbund Management AG guarantees the legal security of the texts and is liable in the event of warnings. You can find more information on this at: http://www.haendlerbund.de/agb-service.", "domain": "economics"}
+{"url": "http://thehomeadventure.com/index.php/category/brazil/", "date": "2018-01-19T15:08:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084888041.33/warc/CC-MAIN-20180119144931-20180119164931-00784.warc.gz", "language_score": 0.9727005362510681, "token_count": 1291, "dump": "CC-MAIN-2018-05", "global_id": "webtext-fineweb__CC-MAIN-2018-05__0__85172445", "lang": "en", "text": "Mr. Igor Cornelsen is a leading Brazilian banker and financial advisor who has spearheaded investment strategies. He is the proprietor of Bainbridge, Inc. who helped to back Brazilian banks when the country was going through some economic turbulence. Brazil is now experiencing a good economic surge and Igor Cornelsen is leading the charge. He is inviting key players to partner with the country and invest in foreign property again. To help investors, Mr. Cornelsen is providing insight into the safe and proper way to avoid pitfalls and maximize your personal gains without taking too much risk.\nFirstly, Mr. Cornelsen suggests that investors become familiar with Brazilian currency laws. Brazil has varied exchange rates and getting to know them would be advantageous. Also, an authorized bank for exchange transactions is required if you are not a resident or a local business. Next, Igor understands his native country and networking is vital to accomplish any investment transactions. He suggests that you establish local business relationships and begin networking.\nBrazil is a country that has lots of focus aptitude business owners, especially those between the ages of 18 and 64 who are self-staring entrepreneurs. Brazilians want their country to be economically sound so they are eager to talk to people who want to invest in their homeland and who are ready to petition innovative ideas. Lastly, Igor Cornelsen said to be prepared for lots of governmental red tape.\nThe Brazilian government has been through a lot and the economy is coming back but it is still frangible, which is why there are many regulations to help protect its economy. Before you sign up to invest in Brazilian property, do your research to prepare yourself to avoid some regulations and to embrace others. Mr. Cornelsen’s investment firm is helping investors navigate the rocky economic waters in Brazil.\nHis success rate proceeds his reputation as a professional investor whose investment strategies yield great returns. Igor says that the Brazilian government carries a reputation for its stiff regulations but this is changing. Brazil is a worthwhile investment location but it can be a nightmare if you don’t work within and around their regulations and become familiar with exchange rate transactions. Mr. Cornelsen said that investors must make erudite decisions first and his firm is ready to help and guide investors through the lucrative Brazilian maze for greater returns.\nThe oldest serving bank official in the world finally threw in the towel and opted to resign at the age of ninety-one years. The exit of Mr. Lazaro de Mello Brandao comes as a surprise since he served the bank as President for as long as many can remember. He gave the bank a total of 75 years of service. He will now be replaced by the current Chief Executive Officer Mr. Luiz Carlos Trabuco Capp. The exit has already seen industry observers and investors speculate on the possible CEO replacements. Banco Bradesco has over the past several years developed a culture of picking executive officials from its talent pool. The strategy of tapping into its own human capital as opposed to looking elsewhere has been one of the secrets of Bradesco Bank’s growth.\nLuiz Carlos Trabuco Capp will now hold the two positions until a new Chief Executive Officer is appointed in March next year. Luiz Carlos Trabuco Capp attempting to calm speculations indicated that the bank will follow a specified procedure that will take the next few weeks. In any case, we already know the next CEO will be one of the well-performing executive officers of the bank. This has however not stopped analysts from speculating. Some of the names thrown around as possible replacements include; Domingos Figueiredo Abreu the current head of the bank’s treasury, Mauricio Machado de Minas the head of IT, Josué Augusto Pancini the head of the bank branch network, Alexandre da Silva Gluher the chief risk officer, André Rodrigues Cano the head of human resource, and Octavio de Lazari who heads the bank’s insurance unit. The bank does not face any shortfall of talent in this case.\nFor the next months, however, Luiz Carlos Trabuco Capp will continue to juggle both responsibilities. Having risen through the ranks of Banco Bradesco, few people match his knowledge of the bank’s operations. Luiz Carlos Trabuco Capp started working as a bank teller for Bradesco when he was only eighteen years old in 1969. His rise up the ranks began soon after. He became branch manager after a few years, then moved on to be a district manager and a regional manager in a span of 15 years. He was then appointed the marketing director where he served for the 8 years leading to 1992.\nBy this time the Banco Bradesco had begun to tap Luiz Carlos Trabuco Capp for strategic assignments. In 1992, he was appointed the Chief Executive Officer of Bradesco Vida Previdencia a private pensions firm owned by the bank. Following successful growth at the Pensions Firm, Luiz Carlos Trabuco Capp was Elected Managing Director of Banco Bradesco in 1998 and a year later he became the Executive Vice President. In 2003, he was appointed the President of Bradesco Seguros which was composed of eight companies. It was here that Luiz Carlos Trabuco Capp proved that he was ready for even bigger responsibilities. Under his management, Bradesco Seguros grew astronomically doubling its size. He saw it grow its market niche to 25 percent of the Brazilian market. He guided the insurance company under Bradesco Seguros to become the largest in Latin America by market share.\nWhen the bank was looking for its 4th President in 2009, it was inevitably natural that Luiz Carlos Trabuco Capp will be selected. Nobody had made more progress for the bank than he had done in a period of 40 years. As CEO of Bradesco, he navigated the bank through the financial crisis of 2008/2009. By 2015, the bank was healthy enough to take over HSBC Brazil. The takeover expanded Banco Bradesco’s market niche further. For more information visit:http://www.camar.sp.gov.br/images/imagesnoticias/851/principal.html", "domain": "economics"}
+{"url": "https://windcarrier.com/media/news/o-m-jack-up-vessel-to-join-the-fred-olsen-windcarrier-fleet/", "date": "2024-04-22T08:37:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818105.48/warc/CC-MAIN-20240422082202-20240422112202-00177.warc.gz", "language_score": 0.9333916902542114, "token_count": 626, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__161424501", "lang": "en", "text": "Fred. Olsen Windcarrier has signed a long-term time charter with Falcon Global for their jack-up vessel Jill. The jack-up vessel will be an integrated part of the Fred. Olsen Windcarrier jack-up fleet for offshore wind, where she will be under commercial management of Fred. Olsen Windcarrier. She will be working out of Europe and mainly carry out O&M work in offshore wind.\n\"We look forward to showing the offshore wind market what this vessel is capable of.\"\nThe vessel is currently on a heavy lift vessel across the Atlantic from the Gulf of Mexico, and she is ready to commence work in Europe from mid-April 2019. Jill´s first job in Europe will be suction bucket installation tests out of Frederikshavn in Denmark together with Universal Foundation scheduled to commence 2nd half of April. The first contracts for main component exchanges will take place shortly after arrival.\n“With Jill joining our fleet, Fred. Olsen Windcarrier can provide a competitive vessel to the O&M market for the 3-5 MW offshore wind turbines. Jill is capable of servicing up to 80% of the installed offshore wind base and we look forward to showing the offshore wind market what this vessel is capable of. Apart from using her for major component exchanges within O&M, she can among other things also be used for offshore accommodation and for blade transportation”, said Casper Toft, Chief Commercial Officer, Fred. Olsen Windcarrier.\n“We are pleased to have Jill join our fleet. This agreement will strengthen our relationship with Falcon Global and give us valuable experience in working together to provide services to clients. We will combine the American crew with the Fred. Olsen Windcarrier experience and safe hands from the offshore wind industry”, said Alexandra Koefoed, Managing Director, Fred. Olsen Windcarrier.\nJill is a smaller and lighter jack-up vessel than the existing Terns in the Fred. Olsen Windcarrier fleet. She is equipped with 102 m long legs, a rack and pinion hydraulic jacking system, a large cargo deck and in addition to her main crane, good crane coverage by her three auxiliary cranes. She was built to accommodate 132 persons in addition to crew, this will however be limited to a total of 80 persons in Europe. Jill is capable of transporting WTG components up to 5MW and can carry major components such as gearboxes, generators, transformers, blades and full drive trains for O&M jobs. Furthermore, all required lifting equipment can be supplied.\nFalcon Global agreement\nIn March of 2018, Fred. Olsen Windcarrier announced the cooperation agreement with Falcon Global LLC (a subsidiary of SEACOR Marine Holdings Inc.). The agreement states that each party will exclusively contribute vessels and marine/installation crew to the US market and operate a full spread of offshore wind installation feeder vessels for the US offshore wind market.\nRead the press release here: Fred. Olsen Windcarrier and Falcon Global Announce Cooperation Agreement in Offshore Wind", "domain": "economics"}
+{"url": "http://www.pacesetter.net.au/news/are-you-really-making-the-most-of-your-super", "date": "2021-04-16T17:06:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038088245.37/warc/CC-MAIN-20210416161217-20210416191217-00310.warc.gz", "language_score": 0.9432002305984497, "token_count": 724, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__274377681", "lang": "en", "text": "The Government has announced significant changes to the super reforms that were proposed in the May Budget1. While we view this as a positive outcome with further clarity around super, the reality is that the ability for Australians to put money into this tax effective environment is continually being limited. To really make the most of your super and to benefit from its critical role in your overall financial planning, we invite you to contact us. We would like to discuss with you your super opportunities in the light of the recent Government announcements and to suggest any appropriate changes to your strategy.\nThe changes to the proposed superannuation reforms are as follows (please note that further changes could result as the legislation passes through the Lower and upper Houses):\n- The $500K lifetime Non Concessional Contributions (NCC) Cap has been dropped.\n- The Government has instead announced a reduction of the current annual NCC Cap from $180K to $100K from 1 July 2017. This will mean you can continue to contribute NCCs of up to $180K, and use the bring forward rule to $540K this financial year. The 3-year bring forward provisions will remain as per the current provisions based on the lower cap. No Non Concessional Contributions will be allowed once the proposed $1.6 million transfer cap has been reached.\n- The reduction to a $25K concessional contributions cap will remain in place and commence from 1 July 2017.\n- The concessional contribution catch up provisions have been delayed and will now not commence until the 2019/2020 financial year.\n- The Government has confirmed that Division 293 tax on Super will be reduced to individuals with salaries above $250,000 p.a.\n- The Government has changed its mind on the removal of the work test for those aged over 65.\nWhile we await the final outcome of the super reforms, we offer three tips to help you make the most of your super.\nTIP 1 – Wealth Accumulation\nIf you are using super to accumulate wealth for a comfortable retirement, you would be wise to consider other tax effective wealth accumulation strategies to complement your super.\nTIP 2 – Asset Allocation\nIf the legislation does cement restrictions on the amount that you can contribute to super, this will place even more pressure on investment returns. The most important influence on your portfolio’s long-term performance is asset allocation. An appropriately diversified portfolio may help you work towards your financial goals and manage your investment risk.\nTIP 3 – Investment Choice\nThere are a plethora of options when it comes to investment portfolios. It is important to make an active choice in relation to how your superannuation is invested. Key issues such as asset class choice, diversification, active management, cost and income generation are all important aspects to consider, with the most appropriate options varying depending on your individual situation.\nWe encourage you to take up our invitation to discuss your super strategies. Please contact our office on (07) 3808 2808 or email email@example.com.\nPacesetter Financial Services and its advisers are Authorised Representatives of Fortnum Private Wealth Pty Ltd ABN 54 139 889 535 AFSL 357306 trading as Fortnum Financial Advisers.\nThis information (including taxation) is of a general nature only and neither represents nor is intended to be personal advice on any particular matter. Pacesetter Financial Services strongly suggests that no person should act specifically on the basis of the information in this document, but should obtain appropriate professional advice based on their own personal circumstances.", "domain": "economics"}
+{"url": "https://www.chestertons-portugal.com/services/renting-your-property_77", "date": "2022-10-01T18:20:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030336880.89/warc/CC-MAIN-20221001163826-20221001193826-00589.warc.gz", "language_score": 0.9472143650054932, "token_count": 252, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__282515443", "lang": "en", "text": "Renting your Property\nThe buy-to-rent business is thriving in Portugal, in both the traditional tourist region of the Algarve as well as the emerging travel hotspots of Lisbon and Porto. With this in mind, Chestertons Portugal offers a rental service for investors looking to turn their property in Portugal into a lucrative rental business.\nFrom long-term lets to holiday rentals, our property management department delivers a complete turnkey solution, making sure that every aspect of renting your property is given the utmost care and attention to detail in order to maximise your rental success.\nIn addition to working with existing property owners, our excellent sales team can also help and advise on locating and purchasing a buy-to-rent property for new investors in Portugal.\nOur professional and reliable team takes care of everything, from responding to holiday enquiries, managing deposits and processing final payments through to organising a professional cleaning service along with property inspection visits to ensure that your property is always found in perfect condition.\nBut perhaps the biggest benefit of our rental management service is the peace of mind that comes from the knowledge that your property is in safe hands.\nGet in touch with the Chestertons Portugal team today to discuss our rental property management service further.", "domain": "economics"}
+{"url": "https://www.northlondontoyota.com/blog/bi-weekly-lease/", "date": "2023-10-02T01:24:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510942.97/warc/CC-MAIN-20231002001302-20231002031302-00544.warc.gz", "language_score": 0.8879463076591492, "token_count": 123, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__134462601", "lang": "en", "text": "Bi-weekly Lease Payments Now AvailableApr 1st, 2016\nCompetition Toyota will begin offering a bi-weekly lease payment option starting next week! Toyota Financial Services announced this morning that starting April 4, 2016 bi-weekly payments will replace semi-monthly lease payments.\nThis will hopefully lower your payments and make it easier to align your car payments with your pay schedule!\n- Eligible on all 2016 Toyota models\n- Bi-weekly leasing available on 24, 26, 39, 48 and 60 month term\n- Eligible on low and standard KM lease\nAsk your Product Advisor for more information", "domain": "economics"}
+{"url": "http://www.raleigh.co.uk/company/cycletowork/", "date": "2017-03-30T06:35:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218193284.93/warc/CC-MAIN-20170322212953-00598-ip-10-233-31-227.ec2.internal.warc.gz", "language_score": 0.9432178139686584, "token_count": 387, "dump": "CC-MAIN-2017-13", "global_id": "webtext-fineweb__CC-MAIN-2017-13__0__179656945", "lang": "en", "text": "Cycle to Work scheme\nThe Cycle to Work scheme is a government initiative that allows you to get a brand new bike and safety equipment for your commute to work - all tax-free!\nRaleigh endorses Cyclescheme who work with 2,000 independent bike shops across the country and over 500 brands of bikes to offer a cycle commuting solution for everyone.\nWhether you live just a few minutes away from work, have to endure a long train journey or maybe have never even considered cycling to work before; there is a bike out there that can suit your needs perfectly and Cyclescheme is here to help you find it.\nGetting a bike through Cyclescheme makes sense. Not only can you save an impressive amount of cash (between 25% - 39%, depending on how much tax you pay) you get to spread the cost over a year and there's no credit check either!\nYou've got up to £1,000 to spend, so make sure you make the most of the potential savings by getting a bike package that includes everything you need to cycle to work – this includes the essentials like lights, locks, helmets and clothing which can all be bought through the scheme.\nFIND OUT MORE:\nVisit www.cyclescheme.co.uk/challengeyourself for some top commuting tips from record-breaking Paralympian, Dame Sarah Storey.\nTo find out how much you can save and to apply online visit www.cyclescheme.co.uk/calculator.\nWe've put together a handy guide to the types of savings available exclusively through Raleigh stockists:\nAny combination of Raleigh products is available through the Cycle to Work scheme up to £1,000.\nJust call in at your nearest Raleigh stockist www.raleigh.co.uk/DealerLocator to ask about their involvement in the Cycle to Work scheme.", "domain": "economics"}
+{"url": "https://landscapingplanet.com/how-much-electricity-does-an-irrigation-system-use/", "date": "2024-04-16T07:06:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817073.16/warc/CC-MAIN-20240416062523-20240416092523-00558.warc.gz", "language_score": 0.9106758832931519, "token_count": 1823, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__2723976", "lang": "en", "text": "Making informed decisions helps you save money in the long run, especially if you’re in the market for high-efficiency irrigation systems. For instance, knowing how much electricity sprinkler and drip irrigation systems use can help you account for future expenses. So, how much electricity does an irrigation system use?\nAn irrigation system uses 0.59 kWh/m3 (730 kWh/ac-ft) of electricity. Factors such as the power and efficiency of the pump, lifting the water to the surface, required water pressure, component wears, and leaks influence how much electricity the irrigation system uses.\nToday, you’ll learn about how much electricity sprinkler and drip irrigation systems use and the factors influencing how much energy they require. Also, you’ll pick up formulas that you can use to calculate the energy requirements of sprinkler and drip irrigation systems.\nWhat Are the Energy Requirements of an Irrigation System?\nUnderstanding the energy requirements for your irrigation system can help save hundreds, if not thousands, of dollars every year.\nThe average energy requirements of an irrigation system is 0.59 kWh/m3 (730 kWh/ac-ft). Pump power and efficiency, required water pressure, and vertical lift determines how much electricity these systems use. Component wear and leaks in the system can increase energy usage while reducing efficiency.\nHowever, the energy requirement varies depending on whether you want to use the irrigation system for domestic use. For instance, watering your kitchen garden, greenhouse, and backyard garden isn’t as resource-intensive as maintaining a 1-acre (4046.86 m2) farm.\nFactors Influencing Energy Costs of an Irrigation System\nLet’s break down the factors determining how much you’ll spend every month on your energy bills.\n1. Pump Power and Efficiency\nThe power rating of the pump is how much force the device has to move water from one location to another. In the U.S., horsepower (hp) is the standard unit of measurement for power. Generally, pumps with high horsepower consume greater amounts of electricity to operate.\nNext is how efficiently the pump converts electricity to move the water for irrigation. An ideal system will have 100% efficiency. However, in the real world, the pump has to overcome friction.\nAlso, if you observe a working pump, you’ll notice it produces heat and noise. According to the second law of thermodynamics, energy can change from one form to another, but it can neither be created nor destroyed.\nFollowing this law, some of the heat (energy) and noise (energy) generated come from electricity (energy).\n2. Vertical Lift\nThe pump of an irrigation system has to draw water from the source and move it to its surface. This distance between the two is known as lift —the greater the lift, the more work the pump has to do while operating. And, the more work the pump has to do, the more money you’ll be spending.\n3. Water Pressure\nSuppose there isn’t sufficient pressure in the irrigation system. In that case, it results in wastage of water, increasing energy costs.\nFor example, high water pressure in sprinklers can result in misting. As the water droplets are tiny, they evaporate quickly. Also, winds can push them further away, causing significant water loss.\nIn this case, the pump will need more water than usual for irrigation, increasing its energy requirements.\n4. Component Wear\nComponent wear is natural due to the presence of impurities in water. Due to the water pressure in the system, these impurities erode various parts of the pump, decreasing its efficiency. The less efficient the irrigation system is, the more money you’ll be spending without results.\nUnfortunately, leaks are a problem that irrigation systems may face.\nLeaks in the irrigation system increase the water volume required to irrigate the land, resulting in wastage. Therefore, you’re still paying for the same amount of water, but your system is actually supplying less, leading to high expenses with less results to show for it.\nHow Much Does a Sprinkler System Use?\nA sprinkler system uses around 0.5 kWh of electricity a day, depending on the area size, amount of power, and amount of time used. For example, the amount of electricity used for commercial sites will be significantly higher than for residential, due to size, electrical power needed, and more use.\nIn the sections below, I’ll discuss how to calculate the electricity used for sprinkler irrigation systems, and go over which type of system is best for you.\nCalculating Drip and Sprinkler Irrigation Electricity Usage\nAs highlighted above, several factors influence how much energy an irrigation system requires.\nIf you want to find out how much electricity drip or sprinkler irrigation will use, you need to consider the following factors:\n1. How Much Power the Irrigation System Will Use\nMost manufacturers will print how much power the irrigation system will use during operation. If you cannot find this information, a simple search online should give you all the necessary details.\nAnother way to calculate the electrical power of any appliance is with this formula —\nP = V x I.\nP is power (measured in watts), V is voltage (measured in volts), and I is current (measured in ampere). The manufacturer will use ‘V’ to indicate the appliance’s voltage and ‘A’ for current.\nE.g., If a pump uses 120 volts and 2 amperes, the power of this system is — 120 V x 2 A = 240 W.\n2. The Amount of Time You Use the Irrigation System\nHow long do you plan on using the irrigation system throughout the day? Remember, you need to account for the size of the area you want to water. The larger the site, the more time it’ll take for irrigation.\nOnce you know the power and time requirements, it’s quite simple to calculate how much electricity the irrigation system will use.\nElectrical consumption = Power x Time\nLet’s assume you’re using the irrigation system for four hours daily, and its power rating is 240W.\nElectrical consumption per day = 240 W x 4 h = 960 Wh\nEnergy companies measure electrical consumption in kilowatt-hours. Divide the above figure by 1000.\nElectrical consumption in kWh = Power in kW ÷ 1000\n960Wh ÷ 1000 = 0.96 kWh\nTo calculate how much it’ll cost, multiply the electrical consumption with the cost per kWh in your area.\nCost of irrigation per day = Electrical consumption in kWh x cost per kWh\nLet’s assume it’s 15 cents per kWh.\nCost of irrigation per day = 0.96 kWh x $0.15 = $0.144 per day.\nIf you need to know the yearly cost, you can multiply the cost of irrigation per day with the number of days you’ve to operate the system.\nYearly irrigation cost = cost of irrigation per day x number of operating days\nIn this case, let’s say you only need to use the irrigation system for 200 days.\nYearly irrigation cost = $0.144 x 200 = $28.8 a year.\nIs There a Difference to a Drip Irrigation System?\nYou now know how to calculate how much electricity each irrigation system will consume. But, is there a difference to a drip irrigation system? Let’s dive into which one is better in terms of power consumption.\nThere is a difference to a drip irrigation system. Drip irrigation reduces energy consumption by 50%. Its vertical lift and pressure requirements are low in comparison to sprinkler irrigation. Focused water delivery of drip irrigation also reduces its energy consumption.\nThe Natural Resources Conservation Service (NRCS) Irrigation Guide explains drip irrigation and its benefits.\nHowever, this doesn’t always mean drip irrigation is the best option. Use the following factors to decide on which irrigation system you should choose:\n- Availability of water.\n- Climate and soil conditions.\n- Energy and equipment costs.\n- Plants you want to grow.\nIf you want to find out how much energy each irrigation system consumes, use this energy estimator from NRCS.\nThe average electricity consumption of an irrigation system is 0.59 kWh/m3 (730 kWh/ac-ft). Many factors affect the energy these systems require, including:\n- Pump power and efficiency.\n- Vertical lift.\n- Water pressure.\n- Component wear.\nRegarding energy consumption, drip irrigation offers better value than sprinkler irrigation.", "domain": "economics"}
+{"url": "http://vermontwoodsstudios.com/content/buy-tax-free", "date": "2015-12-01T16:28:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-48/segments/1448398468396.75/warc/CC-MAIN-20151124205428-00286-ip-10-71-132-137.ec2.internal.warc.gz", "language_score": 0.969197690486908, "token_count": 196, "dump": "CC-MAIN-2015-48", "global_id": "webtext-fineweb__CC-MAIN-2015-48__0__144776450", "lang": "en", "text": "We do not collect sales tax for furniture delivered outside of Vermont, however many states do require you as a customer to report your purchase and submit the appropriate sales tax.\nIf you live in Vermont, our shopping cart will add the mandatory 6% Vermont State Sales Tax, plus any additional applicable local taxes to your invoice. However, watch for special Tax FREE Days offered by our state government. If you've been planning to make a purchase, that's the perfect day to do it -- No Tax! We'll announce Vermont Tax Free Days on our blog.\nIf you live in another state and are buying furniture and having it shipped to your home outside of Vermont, check with your state sales tax department regarding their policy on Internet purchases. In many states, customers are responsible to pay sales tax to their state department of taxation. E-Commerce Blog provides additional information although the details are constantly changing-- best to treat it as a starting place for your research, rather than an authority.", "domain": "economics"}
+{"url": "https://www.hthackney.com/foodservice/equipment", "date": "2024-02-25T06:03:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474581.68/warc/CC-MAIN-20240225035809-20240225065809-00528.warc.gz", "language_score": 0.9405655860900879, "token_count": 148, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__172556558", "lang": "en", "text": "Matching your equipment needs.\nEvery Hackney customer has unique foodservice equipment needs. Whether you already have existing foodservice equipment or have no equipment at all, we work together to develop a foodservice solution that works for you. Plus we provide hands-on equipment and food training, either in store or at one of our facilities.\nEasy equipment financing.\nH.T. Hackney wants to help you get started. Our easy equipment financing options enable retailers to quickly and easily launch new and exciting food options to their customers and create new profit centers. We also provide examples of average profit margins. H.T. Hackney makes it easy to estimate and calculate your return on investment so that you can know what to expect.", "domain": "economics"}
+{"url": "http://theintelligentindianinvestor.com/what-is-an-ipo/", "date": "2019-04-26T15:39:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578841544.98/warc/CC-MAIN-20190426153423-20190426175423-00503.warc.gz", "language_score": 0.9806437492370605, "token_count": 494, "dump": "CC-MAIN-2019-18", "global_id": "webtext-fineweb__CC-MAIN-2019-18__0__120407895", "lang": "en", "text": "IPO is the short form of Initial Public Offer.\nThere are two types of markets in the stock market.\n1. Primary Market\n2. Secondary Market\nWhen we talk about the share or stock market, we are talking about the secondary market. But there is also one more market called the Primary Market.\nPrimary Market is where we buy shares directly from the company when it offers its shares to the general public for the first time (Initially). Hence the term Initial Public Offer. It is a place where the transition of a company from being privately held to publicly held takes place. Once a company offers its shares to the public, it no longer remains private and becomes a public company. Primary Market is sometimes also called as IPO market.\n(In case you don’t understand what privately and publicly held companies are: if you can buy shares of a company it means it is a publicly held company and if not it is a privately held company.)\nSecondary Market (a.k.a The Stock Market) is where we buy shares from other persons who have previously bought shares from the company in the primary market and are selling it in the secondary market.\nWhen we buy shares from share market (secondary market) the company doesn’t get any money. We are simply buying shares from some other person and that other person gets the money. (This other person might have bought it directly from the company during its IPO or they may have bought it from yet another person)\nBut when we buy shares from a primary market, during the IPO of the company, it is only at this time that the company gets money from the public.\nSo, in conclusion, IPO is the process through which a company transitions from being a privately held company to publicly held company by offering its shares to the general public.\nI have already covered How to buy shares in the secondary market in my previous article. In case you are wondering how to buy shares directly from the company during its IPO, I will soon write an article explaining the same.\nI want to thank you for reading this article. I truly appreciate that. I hope by reading this article now you understand what is an IPO. If you have any queries, questions or suggestions please comment below. If you liked this article share it with your friends and keep coming to this blog for more articles like this.\nThanks again for reading, I will see you in the next post.", "domain": "economics"}
+{"url": "https://es.navcoin.org/news/buy-nav-coin-with-euros-on-litebit/", "date": "2018-02-18T19:46:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891812259.18/warc/CC-MAIN-20180218192636-20180218212636-00724.warc.gz", "language_score": 0.982534646987915, "token_count": 353, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__169342615", "lang": "en", "text": "Nav Coin is now available for trading on the LiteBit exchange platform. LiteBit trades in Euro pairs, meaning this is the first exchange to offer a NAV / FIAT pairing.\nLiteBit operates slightly differently to a regular exchange. Most exchanges consist of buy and sell orders placed by users who have sent their coins to the exchange for trading. If I wanted to buy NAV on an exchange like this, I would have to look at the sell orders placed by users on the order books and place my own buy orders which match those amounts. The trade would then take place and I would be the new proud owner of some NAV.\nThe way LiteBit works is actually as an exchange service. They list the price they are currently selling NAV at in Euros and how many NAV they have available to purchase. You can then go ahead and purchase NAV at the fixed rate diretly with Euros sent from your bank account.\nOnce you are at least Tier 1 verified, you are also able to sell NAV to LiteBit at their flat rate. Their trading limits are based on verification levels and range from €350 to €35,000.00 per day.\nThe spread between buy and sell rates appears to be approximately 6% either way, which is more than you would find on a regular exchange. However, keep in mind that they are cutting out all the hassle and fees involved in selling NAV for BTC and then BTC for EUR and sending it to your bank account which can stack up to at least a few percentage and hours.\nThe user interface looks very nice and the website itself is easy to use. If you’re in the Eurozone and want to buy or sell NAV directly into Euros, then this is a great option for you.", "domain": "economics"}
+{"url": "http://lofitech.no/en/", "date": "2020-01-20T18:08:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579250599718.13/warc/CC-MAIN-20200120165335-20200120194335-00393.warc.gz", "language_score": 0.9514297246932983, "token_count": 260, "dump": "CC-MAIN-2020-05", "global_id": "webtext-fineweb__CC-MAIN-2020-05__0__13628133", "lang": "en", "text": "The Lofitech Seal Scarer was developed in 1988 for the fish farming industry, and we have through all these years further developed the scarer to be more powerful, easy to install and work. At the moment we dare say that our seal scarer is the most effective, simplest to install and operate - and the cheapest system in the market.\nThe interest for Lofitech Seal Scarer is increasing, and the last years we have sold many Seal Scarers to fish farmers and fishing vessels in Norway, Finland, Faroe Islands, Sweden, Spain, Greece, Turkey, Russia, England, Scotland (also governmental institutions), Shetland, Iran, Namibia, South-Africa and Angola as well.\nToday every Norwegian salmon farmer that have, or are afraid to get seal problems, has invested in our scarer. Nova Sea AS – a partly owned Marin Harvest salmon farming company in our region – have more than 40 seal scaring systems from Lofitech. They never put salmon into sea without having a Seal Scarer installed at the site at least 4 weeks before the fish come.\nWe see a new increasing marked in the construction of wind-mill parks, and we have delivered seal scarers to construction companies in Belgium, Denmark, Germany, Netherlands and UK.", "domain": "economics"}
+{"url": "http://woodlinkuk.com/News%20&%20Press/SustainableTimberTropicalHardwoods.htm", "date": "2017-09-24T21:09:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-39/segments/1505818690211.67/warc/CC-MAIN-20170924205308-20170924225308-00593.warc.gz", "language_score": 0.9443676471710205, "token_count": 1154, "dump": "CC-MAIN-2017-39", "global_id": "webtext-fineweb__CC-MAIN-2017-39__0__108613699", "lang": "en", "text": "Beautiful and resilient,\nhardwoods are highly coveted for home furnishings, furniture and\nconstruction. However, they are also frequently associated with\nunsustainable forestry practices and deforestation. Now, a British-based\ncompany, Woodlink UK, offers a raft of sustainably sourced and certified\nhardwoods, including a new and innovative product: sustainable,\nplantation-grown Lyptus® timber.\nFounded in 2007 and based in Halstead, Essex, Woodlink UK was previously\npart of Germany's Anders Group timber specialists. Since January 2011 it\nis wholly owned and managed by Cyril Williams. The company specializes\nin the import and distribution of quality, sustainable timber including\nwalnut, white oak, maple, cherry, ash and tulipwood, and now Lyptus®.\nIts customers include wood importers, timber merchants, builders and\nhigh-class cabinet makers, among others.\nSustainability is an important part of the company's ethos and strategy.\nWoodlink UK only trades in environmentally-friendly products from\nsustainably-managed sources. It does not trade in tropical woods or\nexotic species. All its sawn timber is sourced from North America.\nThe company has been PEFC certified from the outset. Implementing PEFC\ncertification across its operations was a relatively straightforward\nexercise as the previous parent company, Anders, was already certified,\nenabling Woodlink UK to build upon already existing processes and\naudits. Today, 70-80% of the products it trades in are certified. The\nentire stock of Lyptus® tropical timber is PEFC certified.\nHailing from plantations in near the east coast of Brazil owned and\noperated by local company Fibria, Lyptus® is a naturally occurring\nhybrid of two species of Eucalyptus tree, Eucalyptus grandis and\nEucalyptus urophylla. It has been developed for quick harvesting –\ntypically 15-20 years – and offers many of the advantages of traditional\ntropical timber – durability, weather-resistance. Crucially, it is grown\non responsibly managed plantations making it a good alternative to\ntraditional hardwoods such as oak, cherry and mahogany that take decades\nlonger to mature. The plantations are certified to Brazil's Cerflor\nnational sustainable forestry standard which is recognized by PEFC\nInternational. Another important feature of this wood is that it is\nbeing grown on plantations which are interspersed with re-introduced\nnative species from the Atlantic Coastal Forests of Brazil. Thus, at the\nsame time as offering a sustainable supply of wood, these plantations\nare also helping to restore the once severely depleted native forest to\nOnce harvested, the Lyptus® lumber and decking are produced by the\nAracruz Produtos de Madeira S.A. (APM) sawmill, a joint venture between\nFibria and Weyerhaeuser.\nA strong, hardy, durable, rich-coloured wood, Lyptus® lends itself to\nmany external uses, including as decking and external frames among\nothers, as well as joinery. It aesthetic appeal was further confirmed at\nthis year's Royal Horticultural Society Chelsea Flower Show in London,\nwhere it was a key feature of the 'Monaco Garden' – sponsored by the\nPrincipality of Monaco under the patronage of Prince Albert – one of\nthis year's Gold Medal Winners. The garden's eye-catching Lyptus® wood\ndecking proved a particular hit with the judges and visiting public\nalike. Since the Flower Show, Woodlink UK has reported a substantial\nincrease in demand for Lyptus® wood decking accompanied by a new-found\nawareness of sustainability issues and the importance of certification.\nMore recently, in August 2011, Woodlink UK was short-listed for a TTJ\nMarket Development Award. Sponsored by Timber Expo 2011 and Trada\nTechnology, the TTJ Market Development Awards recognize excellence and a\ncommitment to sustainability in the timber industry. Now in their 15th\nyear, the 2011 TTJ Awards will be presented on 15 September 2011, in\nLondon, UK. Woodlink has been nominated for its PEFC-Certified Lyptus®\nPEFC certification has certainly yielded benefits for Woodlink UK.\nAccording to company owner Cyril Williams, being able to offer certified\nproducts gives the company a market advantage. Customers are\nincreasingly demanding certified products from sustainably managed\nsources; what is more, they are often prepared to pay a premium for such\nproducts. Similarly, certified products give Woodlink UK access to new\ncustomers and sectors. For example, architects and members of the\nbuilding profession are increasingly insisting on using certified\nproducts only. In the current market and commercial environment, this\nplaces a company like Woodlink UK in a more favourable position than\nother potentially non-certified suppliers. Now, the introduction of\nfully PEFC-certified Lyptus® wood is set to strengthen this position\nfurther. By offering a rapidly renewable, fully sustainable, viable\nalternative to tropical timber, Woodlink UK is in a unique position to\nbe able to respond to customer and market demand while at the same time\nmaking an important contribution to sustainable forest management.\nIn addition to supplying customers with wood and tropical timber\nproducts, Woodlink UK is also involved in raising awareness among its\ncustomers and members of its supply chain of the importance and benefits", "domain": "economics"}
+{"url": "http://associates.10972831.eco.century21.com/", "date": "2014-10-01T18:14:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-41/segments/1412037663551.47/warc/CC-MAIN-20140930004103-00391-ip-10-234-18-248.ec2.internal.warc.gz", "language_score": 0.9552006125450134, "token_count": 184, "dump": "CC-MAIN-2014-41", "global_id": "webtext-fineweb__CC-MAIN-2014-41__0__30383787", "lang": "en", "text": "I am a Forsyth County resident of almost 13 years and have two young children. Not only do I have an in-depth knowledge of the local real estate market but I am involved in this community. Allow me to help you find your home, your favorite park, the best local restaurant, ballet lessons to baseball practices. My expertise will help you transition from new homeowner to a well informed local!\n*Based on a 30-year fixed rate of 4.75% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to\nchange at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for\nour best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.", "domain": "economics"}
+{"url": "http://www.labanknotes.com/2011/01/banco-espanol-de-puerto-rico-50-pesos.html", "date": "2017-04-24T03:24:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917118963.4/warc/CC-MAIN-20170423031158-00280-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9460745453834534, "token_count": 412, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__317885721", "lang": "en", "text": "|Banknotes of Puerto Rico 50 Pesos Banknote of 1894, Banco Español de Puerto Rico|\n|Puerto Rico paper money 50 Pesos banknote, Banco Español de Puerto Rico|\nPuerto Rico banknotes, Puerto Rico paper money and Puerto Rican currency pictures.\nThis beautiful Spain colonial banknote shows a portrait of Queen Mother and Regent of Spain Maria Cristina on left and Christopher Columbus and his men sighting land at center right.\nPuerto Rico began producing banknotes in 1766, becoming the first colony to print 8-real banknotes in the Spanish Empire and which in the Spanish government's approval of subsequent issues.\nThe situado was discontinued during the 19th century, creating an economic crisis, as a result of Mexico gaining its independence from Spain. Salvador Meléndez Bruna, the colonial governor in office, ordered the issue of provincial banknotes, creating the Puerto Rican peso. However, printing of these banknotes ceased after 1815. During the following decades, foreign coins became the widespread currency. In the 1860s and 1870s, banknotes reemerged. On February 1, 1890, the Banco Español de Puerto Rico was inaugurated and began issuing banknotes. The bank designed four series and placed three in circulation under Spanish rule. In 1895, a Royal Decree ordered the production of provincial peso coins.\nOn August 13, 1898, the Spanish-American War ended with Spain ceding Puerto Rico to the United States. The Banco Español de Puerto Rico was renamed Bank of Porto Rico and issued bills equivalent to the United States dollar, creating the Puerto Rican dollar. In 1902, the First National Bank of Porto Rico issued banknotes in a parallel manner. Two more series were issued until 1913. After Puerto Rico's economy and monetary system was fully integrated into the United States' economic and monetary system, the Puerto Rican dollars were redeemed for those issued by the United States Treasury.", "domain": "economics"}
+{"url": "https://www.discoverfy.io/case-studies/how-lidl-spain-polish-up-their-product-discoverability-with-a-creative-customer-journey", "date": "2023-12-01T07:02:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100276.12/warc/CC-MAIN-20231201053039-20231201083039-00559.warc.gz", "language_score": 0.9645974040031433, "token_count": 298, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__192267471", "lang": "en", "text": "As part of their digital innovation strategy to enhance customer satisfaction, the Spanish team of the international discount retailer Lidl was seeking a leading approach that would make it easier to explore its extensive online inventory.\nEven though Lidl is known for offering high-quality grocery products, their catalog is more than just food. Everyweek they offer a new variety of products from household items, apparel, DIY tools and more.\nWith so many options to choose from, their customers are used to searching for any kind of low-priced offers. But, due to the ever-changing nature of these seasonal items, it became a tiresome task to keep up to date with all the new arrivals.\nThat’s why when the Christmas season started, Lidl wanted to find a solution that would improve the onsite customer experience and let them:\nTo make the discovery process simple and deliver a relevant experience to their consumers, Lidl Spain leveraged Discoverfy’s platform to build a Product Recommendation Quiz, which was strategically located to help visitors uncover all the new toys offered on the Christmas season.\nBy embedding their Gift Finder prominently on their website, consumers can save time and receive personalized product recommendations based on their preferences owing to an engaging quiz that complements their customer journey.\nLidl’s on-site Product Recommendation Quiz not only personalize the customer’s path to purchase, but also yielded the below results:", "domain": "economics"}
+{"url": "https://www.istockphoto.com/photo/yangon-port-myanmar-gm458592519-17854281?st=59c00c7", "date": "2017-11-25T04:19:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-47/segments/1510934809392.94/warc/CC-MAIN-20171125032456-20171125052456-00141.warc.gz", "language_score": 0.9484459161758423, "token_count": 143, "dump": "CC-MAIN-2017-47", "global_id": "webtext-fineweb__CC-MAIN-2017-47__0__25872225", "lang": "en", "text": "Hat, Sun Hat, Adult, Asia, Asian and Indian Ethnicities\nYangon, Myanmar - February 17, 2011: Passengers in a crowded boat watch a flock of seagulls fly about their boat as the driver carefully navigates out of the busy Yangon port. Yangon is the largest city of Myanmar and the Port of Yangon is the country's most import port, handling about 90% of the imports and exports of Myanmar. Tourism is a major source of income for the port which unfortunately has been down since the revolution of 2007 and Cyclone Nargis. The port is also home to many light industry zones, consisting of 2500 factories that account for a large percentage of local employment.", "domain": "economics"}
+{"url": "https://www.designweb3.io/defi-for-ux-designers-web3-design-bootcamp-2022/", "date": "2024-04-12T18:22:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816045.47/warc/CC-MAIN-20240412163227-20240412193227-00305.warc.gz", "language_score": 0.9264355897903442, "token_count": 7886, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__87434605", "lang": "en", "text": "- Swap tokens with Uniswap\n- Mint stablecoins with MakerDAO\n- Lend crypto with Compound Finance\n- Liquidity mining to boost yield with Compound Finance\n- Yield farming with Curve Finance\n- Automated investing with Yearn Finance\n- DeFi dashboard with Zerion & Zapper\n- DeFi 2.0 & Stablecoin Wars\n- Deep liquidity with OlympusDAO\nThe previous three design course modules (1, 2, 3) cover important background information on Web3. Now, we enter the Web3 ecosystem, starting with Decentralized Finance (DeFi). This article will quickly give UX Designers a quick understanding of what DeFi is, DeFi’s foundational products, and where DeFi is heading in the future. By the way – there’s also a video version of this article just below.\nDeFi, or decentralized finance, refers to a complex ecosystem of dapps that offer financial services without the centralized intermediaries of traditional finance like banks, stock/bond brokers, and fintech companies. It offers foundational services – somewhat infrastructural – that the greater Web3 ecosystem can build on. These services include:\n- token swaps (Uniswap and Curve)\n- stablecoins for payments (MakerDAO and DAI)\n- lending/borrowing crypto (Compound)\n- automated fund managers (Yearn Finance)\n- dashboards (Zerion)\nJust like in traditional finance, DeFi users want to earn yield on their crypto to grow their assets. DeFi is the cutting-edge of fintech. In this course module we review the flagship protocols that have laid the foundations for a thriving DeFi ecosystem. These are some of the most mature and battle-tested dapps in the entire Web3 ecosystem. After discussing them, we move on and talk about the next wave of innovative protocols, called DeFi 2.0.\nSwap tokens with Uniswap\nDecentralized exchanges (DEXs) allow users to swap between different tokens. It’s a simple use-case, but one of the most foundational dapps in the Web3 ecosystem. Before, users had to temporarily give up custody of their tokens to a centralized exchange to make swaps. DEXs, on the other hand, facilitate token swaps with open-source smart contracts and no intermediaries. Uniswap is one of the most well-known DEXs – let’s see how it works.\nAfter connecting their wallets, users select which token they want to swap from (Token A), and which token they want to swap to (Token B). Uniswap then calculates the exchange rate between this token pair. This tells users how many of Token B they should expect to receive. In the case above, I’m swapping .02 ETH for about 40 DAI, with an estimated network fee of $7.32. I will need to have extra ETH in my wallet to pay this network fee.\nNow let’s talk about what is happening under the hood. For example, where did the DAI come from that I swapped into? Decentralized exchanges use a different method than centralized exchanges for making these trades. Centralized exchanges (CEXs) use something called a central limit order book, or CLOB, to match buyers and sellers. Basically, buyers place bids for how much they are willing to pay for an asset, and sellers place bids for how much they are willing to sell an asset. The transaction is executed when there is overlap between the buy and sell bids. An order book for Bitcoin is shown above, where the green area represents buy orders, and the red sell orders.\nCLOBs are costly to run on-chain because they are transaction heavy and benefit from fast transaction processing. Thus, DEXs implement a different approach to token swaps. Every token pair you can swap on a DEX has a liquidity pool. So, in the example above, I made my swap using Uniswap’s ETH-DAI liquidity pool. We see $54.82M of tokens are locked in the ETH-DAI liquidity pool, made up of 23.81M DAI and 15.52k ETH. As users make swaps on these liquidity pools by depositing Token A and withdrawing Token B, an algorithm automatically recalculates the exchange rate for the token pair. These algorithms are known as “automated market makers”, or AMMs, and are responsible for updating token prices on DEXs based on supply and demand dynamics.\nNow, where do the tokens in the liquidity pools initially come from? Liquidity providers (LPs) are other Web3 users who want to earn yield on their tokens. Uniswap charges a trading fee (0.3%) on each swap, and this trading fee is distributed to the liquidity providers for that pool. LPs deposit Token A and Token B into a liquidity pool, and receive LP tokens in return. At any point, users can burn their LP tokens for their initial liquidity plus whatever trading fees have accrued to them.\nSo, those are the basics of DEXs. Liquidity providers deposit tokens into liquidity pools to earn trading fees. Traders use these liquidity pools to make token swaps. And, AMM algorithms reprice tokens within liquidity pools based on market conditions. Uniswap is not the only DEX out there. Other DEXs have been created that excel for different use-cases. For example, Balancer allows liquidity pools containing up to 8 different tokens, whereas Uniswap liquidity pools always contain only 2. And, Curve is a DEX focused on stablecoin swaps, resulting in less slippage and reduced risk of impermanent loss.\nSpeaking of stablecoins… The vast majority of Web3 tokens have volatile prices, but a subset of them, called stablecoins, are designed to maintain a stable price over time. This makes them more attractive as a medium of exchange compared to volatile tokens. As Ryan Selkis puts it, “no one wants to spend currency they believe will be worth 10% more tomorrow, and no one wants to accept currency they think could be worth 10% less tomorrow.” This leads into another foundational DeFi protocol, MakerDAO, which allows users to deposit their volatile tokens (e.g. ETH), and mint stablecoins for tax-free spending.\nMint stablecoins with MakerDAO\nIn the previous section, we swapped ETH for DAI stablecoins on Uniswap, but this is a secondary market for DAI. DAI is quite unique in how it is minted. DAI comes from a DeFi protocol called MakerDAO, where users deposit volatile assets into a Maker vault and then mint DAI stablecoins.\nThis is known as a collateralized-debt position (CDP), because the user borrows DAI against their collateral, and pays interest (i.e. “stability fee”) on the loan. In the picture above, users open a vault, deposit ETH into the vault, and then take out a DAI loan. The ETH is locked in the vault until users pay back the DAI loan, which is the principal amount plus whatever interest is owed.\nMakerDAO requires that the collateral deposit is worth more than the stablecoin loan. This is known as “over-collateralization”, and is necessary when using volatile assets as collateral. For example, let’s say you deposit 1 ETH (worth $3000), and take out $2000-worth of DAI – this makes for a collateralization ratio of 150% (i.e. over-collateralized). If the price of ETH drops by 20% the collateral is now worth $2400, changing the collateralization ratio to 120%. The vault would still be over-collateralized, but could soon be under-collateralized if the price of ETH continues to drop. In fact, in the ETH-B vault pictured above, MakerDAO automatically liquidates the collateral to pay back the DAI loan, and closes out the vault, when the collateralization ratio drops below 130% (i.e. “min collateralization ratio”).\nYou may wonder what the point of this is. If these vaults need to be over-collateralized, then you’re essentially borrowing with money you already have. Aren’t loans about spending money you don’t have? We may eventually see under-collateralized crypto loans as Web3 matures. At a minimum we would need verified Web3 identities in order to track who has defaulted on their loans and assign credit scores accordingly. But still, for now, there are beneficial use-cases for crypto-collateralized stablecoins.\nThese stablecoin loans allow users to go long their collateral asset, while unlocking a portion of its value, in the form of DAI stablecoins, which can be used for payment throughout the rest of the Web3 ecosystem.\nFor example, if I’m bullish on ETH, and believe it will 2x within a year, then I want to continue holding ETH. In fact, I want to accumulate as much ETH as possible, and certainly do not want to swap my ETH for a stablecoin. Swapping ETH for a stablecoin hurts me in two ways. First, it triggers a tax event, and I will have to pay capital gains on my ETH. Second, I lose exposure to ETH’s upside potential during a bull run. Instead, borrowing DAI against my ETH with a Maker vault does not trigger a tax event, allows me to keep ownership of my ETH, while also freeing up liquidity so I can make payments in the meantime.\nMakerDAO’s stablecoin, DAI, is decentralized and maintains its peg to the US dollar without reliance on reserves held by centralized entities, like USDT’s Tether and USDC’s Circle. Stable, decentralized assets are an important DeFi building block, and an open area of experimentation, which we’ll see later on.\nYou can think of MakerDAO as a protocol for self-loans; however, another class of lending protocols exist, like AAVE and Compound, that support peer-to-peer token lending. Lending protocols like these are foundational to DeFi because they establish lending/borrowing interest rates for a variety of tokens. Now, Web3 tokens have a time-value aspect to them, just like risk-free interest rates for fiat currencies in traditional money markets.\nLend crypto with Compound Finance\nCompound creates a peer-to-peer lending marketplace for a variety of Web3 tokens. Suppliers are paid interest for depositing their tokens into lending pools. This has become a popular passive income strategy for Web3 users in DeFi.\nSimilar to how Uniswap liquidity providers receive LP tokens, Compound suppliers receive cTokens for depositing tokens into lending pools. At any point, users can burn their cTokens for their initial deposit, plus the interest that has accrued. For example, cETH represents ETH that is actively earning interest in Compound.\nOn the other end of things, borrowers take loans out on these lending pools. Borrowers first must supply tokens to a lending pool, and select to use the token as collateral for a loan.\nJust like with MakerDAO, all Compound loans must be over-collateralized based on a collateral factor (similar to collateralization ratio). The collateral factor varies by token, but let’s say it’s 75%. It means I can only borrow up to 75% of the collateral I have deposited. So with $100-worth of Token A collateral, I can borrow at most $75-worth of Token B. This borrow limit is indicated to the user at the bottom of the modal (“Borrow Limit Used”) in the picture above. If the value of a borrower’s collateral drops then he is at risk of liquidation.\nTo close the position, borrowers repay the token loan back into the lending pool plus the interest payment they owe. Note that interest, for suppliers and borrowers, is paid in the token that is being lent/borrowed. Since I borrowed DAI in the example above, I made a small interest payment of DAI.\nCompound is powered by smart contracts that automatically set interest rates based on the liquidity of tokens in the lending pools. Tokens with lower liquidity will have higher interest rates, as supply and demand dictate. These are “floating” interest rates meaning they change over time. Compound calculates an interest rate for each lending pool at every Ethereum block.\nYou can see why liquidity is important here. The lower the token liquidity, the more it will cost to borrow the token. This issue of liquidity is a challenge for all DeFi protocols – token liquidity is required to get the protocol off the ground, and to continue offering a usable service. Generally, the more liquidity the better, so DeFi protocols compete to attract liquidity to their platform.\nSo how do DeFi protocols attract liquidity in the first place? Compound was the first to try out liquidity mining. Compound distributes COMP – its native governance token – to its current suppliers and borrowers. This strategy worked well for Compound, and other DeFi protocols followed suit, leading to an explosion in liquidity in summer of 2020 (i.e. DeFi Summer).\nLiquidity mining to boost yield with Compound Finance\nNotice that suppliers on Compound are actually paid two interest rates. In the example above, where I’ve supplied ETH, one interest rate pays me back in ETH. This is from the interest paid by borrowers on their ETH loan. The other interest rate is paid in COMP. This is Compound’s liquidity mining reward, which is meant to incentivize me to keep my ETH liquidity locked in the protocol.\nBack in 2020, Compound minted its COMP governance token with a fixed supply of 10M COMP. 4.2M COMP were allocated to its liquidity mining program, which distributes 1139 COMP tokens across its suppliers and borrowers on a daily basis. This will run for around four years until the allocated COMP runs out.\nCompound was the first to implement liquidity mining, but many other DeFi protocols followed suit, using their own governance tokens as reward. These tokens give holders the ability to vote on governance proposals that could be anything from technical improvements to adjusting protocol parameters like interest rates and the list of assets approved for collateral (e.g. MakerDAO). Discussing protocol governance leads to the concept of Decentralized Autonomous Organizations (DAOs). This is an entire course module in itself that will be covered later. For now, understand that DeFi governance tokens have real-world value as they are traded on secondary markets, seen in the picture above.\nCompound launched its liquidity mining program in June 2020. Other liquidity mining programs cascaded from there, leading to a boom known as “DeFi Summer”. Liquidity flooded into DeFi protocols as yields increased across the entire ecosystem. Look at the increase in Total Value Locked (TVL) in the chart above. The TVL chart shows all the token liquidity “locked” in all of the DeFi protocols on Ethereum. This could be tokens in DEX liquidity pools, Maker vaults, lending pools, and more. TVL is a great metric for comparing the health of DeFi protocols (e.g. AAVE versus Compound), as well as entire DeFi ecosystems (e.g. Ethereum DeFi versus Solana DeFi).\nSo far we’ve talked about several ways of earning yield on Web3 tokens, such as becoming a liquidity provider on a DEX, supplying tokens to lending pools, and participating in liquidity mining programs. In the next section we discuss another DeFi yield activity – staking – and show how DeFi users stack multiple yield activities on top of one another to maximize yield. This is known as yield farming.\nYield farming with Curve Finance\nStaking is the idea of locking tokens to receive other additional token rewards, paid out over time. This is an odd idea at first, but locking tokens in stake pools can be beneficial to DeFi protocols – let’s look at why this might be.\nRemember back to the first section how users receive LP tokens for depositing their tokens in a DEX liquidity pool. Not only is it important for DEXs to initially attract liquidity, but they also must retain liquidity to maintain good UX for its users. Some DEXs encourage users to stake their LP tokens in order to receive additional incentives.\nCurve is a DEX for stablecoin swaps that offers this kind of LP token staking. Liquidity providers deposit tokens into a Curve liquidity pool, and receive Curve LP tokens. These LP tokens can be staked in Curve Gauge Pools where the user receives regular payouts of CRV tokens. Users are unable to remove their liquidity so long as their LP tokens are staked, and they are receiving CRV rewards. Do you see how this incentivizes users to keep their liquidity on Curve?\nStaking increases yield for Curve liquidity providers. For example, in the first Curve liquidity pool above (“tricrypto2”), the yield is 1.89% from the pool’s trading fees; however, users receive additional yield – anywhere from 4.23% to 10.59% – paid in CRV tokens. This means, if I deposit $100-worth of liquidity in the pool, I’d expect to earn $1.89-worth of trading fees, plus $4.23-worth of CRV, annually.\nThings do not end here on Curve. It has additional staking opportunities. Users can stake CRV in the Curve DAO for veCRV in return. veCRV is the governance token, so it allows users to make Curve governance decisions; however, it also boosts CRV rewards by up to 2.5x, which is veCRVs main draw. That’s why the CRV APYs – shown two images above – are displayed as a range (e.g. +4.23% – 10.59% CRV). Looking at the image above, CRV is time-locked anywhere from one week to four years. This takes CRV off the market, making it a deflationary asset, which some believe has led to its favorable price performance compared to other DeFi tokens.\nAre you starting to see how yields can be stacked on top of each other? On Curve, users can deposit tokens into a liquidity pool to earn trading fees. They can then stake their LP tokens to earn CRV rewards. And then stake their CRV tokens to boost their CRV rewards. This is what “yield farming” is all about – stacking yield to maximize return on investment.\nBut all this makes my head spin. The yield farming I’ve described here is complex, manual, and costly. For example, CRV rewards accumulate over time and users must manually claim CRV on Curve’s UI (image above), which requires a transaction and costs a network fee. Yield aggregators – another class of DeFi dapps – solve these problems by automating yield farming for users. Users’ funds are pooled together in vaults that follow pre-programmed yield farming strategies designed for efficiency and maximal return.\nAutomated investing with Yearn Finance\nYearn Finance was one of the first yield aggregators. On Yearn, DeFi experts propose yield farming strategies and implement them as Yearn vaults that Web3 users can deposit tokens into. Essentially, these vaults aggregate a lot of tokens, and deploy them to various DeFi protocols, sharing the yield with its depositors (i.e. yToken holders).\nYearn vaults generally accept Curve LP tokens, and automate the yield farming process from here, such as moving tokens into different lending protocols in pursuit of the highest interest rate. Or, stake the LP tokens in other protocols, and automatically recycle the rewards back into the vault for a compounding effect.\nThis brings us to a concept called “token composability”, which is at the heart of yield farming. Essentially, Web3 tokens are interoperable with other protocols. DeFi tokens can be used throughout the DeFi ecosystem in order to stack rewards.\nLet’s look at Yearn’s “Curve USDN” vault strategy. Users deposit crvUSDN tokens into this Yearn vault. Yearn then stakes these LP tokens in another DeFi protocol, Convex Finance, to earn CRV and CVX. As the vault earns tokens, Yearn automatically harvests them and converts them into more crvUSDN, which it cycles back into Convex Finance. This automation simplifies yield farming for users, and reduces their network fees. They only need to send two transactions: one to deposit tokens into a vault, and the other to withdraw tokens from the vault.\nAt this point in the article, we’ve discussed all the major DeFi building blocks: tokens swaps, minting stablecoins, lending/borrowing, staking, and yield farming. This all takes place across different protocols, often requiring the user to visit multiple web apps. This can make the DeFi ecosystem feel scattered. DeFi dashboards bring everything together for a more seamless UX. Let’s look at how dashboards take advantage of the open-source nature of Web3 to stitch DeFi protocols together into one dApp.\nDeFi dashboard with Zerion & Zapper\nDeFi dashboards provide the user access to multiple DeFi protocols all from one UI. The first way to think of these dashboards is that they extend wallet functionality. Popular browser extension wallets like MetaMask have small UIs with limited feature sets like viewing token balances and sending tokens to other wallets.\nHowever, users can connect their wallet to a dashboard like Zerion to view their wallet as an asset portfolio, not just simple token balances. These portfolio views help users see how their wallet’s value changes over time. Also, Zapper allows users to bundle multiple wallets together so they can track the combined value of multiple wallets.\nDashboards also directly integrate multiple DeFi protocols into one UI. This is an example of open-source software composability. Web3 protocols are open-source so other projects can use them as building blocks in their own dApp. This is juxtaposed to the proprietary APIs of Web2 applications. Users can search for the best yields across the entire DeFi ecosystem, and directly deposit tokens into lending protocols (AAVE and Compound), liquidity pools (Curve, Sushi Swap, Uniswap), staking pools (Curve and Convex), and yield aggregator vaults (Yearn and Harvest). All accessed from Zapper’s “invest” tab.\nThese dashboards are packed full of other useful features. For example, the Zerion dashboard has “swap” functionality that searches across multiple DEXs to find the best exchange rate to execute a token swap. This is called a DEX aggregator, and is a convenience utility for Web3 users.\nThe thesis that we will live in a multi-chain world continues to be proven correct. More and more, people will use multiple blockchain networks, and will increasingly want to transact tokens between these cryptonetworks. Blockchain interoperability has a long way to go and Web3 ecosystems feel siloed; however, dashboards are well positioned to improve the UX here.\nZapper tracks the value of a user’s portfolio across 11 different cryptonetworks (all EMV-compatible). And, Zerion aggregates blockchain bridges so that users can transfer tokens to other Layer 1 cryptonetworks (BSC, Avalanche, Fantom), Ethereum Layer 2s (Optimism, Arbitrum), and sidechains (Polygon), all from one UI.\nSo that wraps up the first wave of DeFi from token swaps to dashboards. There are other protocols I consider slightly less foundational than what we’ve covered, but the curious reader may be interested to look into some of them. DeFi Derivatives platforms allow users to trade advanced financial instruments like options (Opyn), perpetuals (DyDx & Perp), and synthetic assets (Synthetix). Also, there are token index funds that diversify a single investment across multiple tokens (see Index CoOp). This is the same idea as ETF’s and mutual funds in traditional markets. Finally, there are insurance protocols that protect users from things like impermanent loss, and DeFi smart contract exploits (see Nexus Mutual).\nDeFi 2.0 & Stablecoin Wars\nInterest rates have been at all time lows in traditional markets over the past several years as the U.S. 10 Year Treasury Bond hit 0.60% APY in 2020. At the same time, DeFi was on the rise, giving investors alternative markets to earn much higher (albeit riskier) yields. All the DeFi products we’ve talked about were some of the first to find product-market fit in Web3, evidenced by the fact that they onboarded millions of users onto Ethereum; however, like any first iteration of technology, there exist some problems in the current DeFi ecosystem. Let’s discuss some of the problems facing DeFi 1.0, and peer into the emerging DeFi 2.0 landscape, which seeks to address them – starting with stablecoins.\nDemand for stablecoins is rapidly increasing as the Web3 ecosystem is more and more in need of non-volatile assets for things like payment. There are many types of stablecoins each with their pros and cons. And it’s also an active area of experimentation as entrepreneurs search for optimal stablecoin designs. Let’s take a look at the different stablecoin categories.\nThe first category is fiat-collateralized stablecoins. These are, by far, the most popular right now based on market cap. Here, regulated companies, like Tether and Circle, issue stablecoins that are fully-backed by their fiat reserves. USDC and USDT are pegged to the US-dollar, but some stablecoins track other currencies (e.g. EURS). Historically, fiat-collateralized stablecoins have maintained their peg better than others; however, their fiat reserves are custodied within the traditional financial system. Governments have the ability to seize these reserves and undermine fiat-collateralized stablecoins, which many consider unacceptable for a means of payment in the world of Web3.\nEnter crypto-collateralized stablecoins. This brings us back to MakerDAO where users can deposit crypto into Maker vaults and mint DAI – a stablecoin also pegged to the US-dollar. This is a big deal, because the crypto collateral backing the stablecoins cannot be seized by centralized entities. Thus, crypto-collateralized stablecoins are truly decentralized; however, the problem is that crypto is volatile, and using it as collateral is risky because the value of collateral can quickly fall below the loan’s value. Therefore, crypto-collateralized stablecoins must be over-collateralized, which isn’t an efficient use of capital.\nMakerDAO was the first crypto-collateralized stablecoin protocol. Since then, other DeFi protocols have iterated on, and improved the original MakerDAO concept. For example, the crypto locked in Maker vaults is just sitting there, not earning yield. On Alchemix, users deposit crypto collateral to generate alUSD – Alchemix’s stablecoin. But here, Alchemix deposits collateral into Yearn Vaults that earn interest, which is used to automatically repay the user’s alUSD loan. It’s a self-repaying loan. Similarly, Abracadabra.Money supports yield-bearing tokens as collateral, like Yearn (e.g. yvDAI) and Convex (e.g. cvx3pool) tokens. But I digress – let’s move onto the third stablecoin category – algorithmic stablecoins.\nThe first two stablecoin categories are asset-backed. Either fiat reserves, or crypto collateral in vaults, support the price of the aforementioned stablecoins. A lot of recent experimentation has been done on algorithmic stablecoins, which have no assets backing them. An algorithm automatically maintains the peg of a stablecoin based on real-time market conditions for that stablecoin. This is usually done through mint and burn mechanics. Let’s pause and talk about the most popular algorithmic stablecoin – UST.\nUST is built on the Terra blockchain, and is pegged to the US-dollar. UST is paired with Terra’s native token – LUNA, which is a volatile crypto asset. UST and LUNA can be exchanged in a 1:1 ratio with each other. At any point, 1 UST can be minted by burning $1-worth of LUNA. Alternatively, 1 UST can be burned in exchange for $1-worth of LUNA. Arbitrageurs utilize this mint-burn mechanism when UST is trading on centralized exchanges for a premium, or at a discount. For example, let’s say UST breaks its peg, and trades at $1.02 on a CEX. Arbitrageurs can burn $1-worth of LUNA, and mint UST in order to realize a 2% gain. On the other hand, if UST is trading at $.98, then it can be exchanged for $1-worth of LUNA. This is how UST maintains its peg.\nHowever, it’s ironic that I’m writing this now. Just last week UST failed massively. There was a major sell-off in UST as investors lost faith, reflexivity kicked in, and caused an even greater sell-off. Billions of dollars of UST were liquidated over several days, and UST is sitting at around $.09 at the time of writing. This points to the immaturity of algorithmic stablecoins, and puts into question the feasibility of algorithmic stablecoins in general.\nThere is another category of stablecoin – fractional reserve stablecoins – that is a middle ground between algorithmic and crypto-collateralized. These stablecoins are partially crypto-collateralized hence the term “fractional reserve”, and partially rely on an algorithm to maintain their peg. FRAX is the most popular example of fractional reserve stablecoins.\nAll the stablecoins we’ve discussed so far are pegged to fiat currencies. The issue with this is that pegged stablecoins are beholden to central banks that control the monetary policies of fiat currencies. Some argue it’s unacceptable to have any reliance on central institutions in the decentralized Web3 ecosystem. The final category of stablecoins we talk about is non-pegged stablecoins. OlympusDAO is the most popular project in this space with its non-pegged OHM stablecoin.\n“Stablecoin” is a bit of a misnomer for OHM. Currently, its price is around $17 – and it’s been as high as $1,300+. So OHM can be highly volatile, but one of the main features of OHM is its floor price, or risk-free value. Users exchange crypto with OlympusDAO for discounted OHM in a process called bonding. All bonded crypto is held in OlympusDAO’s treasury, which ensures a floor price of at least $1 OHM. Thus, the value of OHM is free-floating, but users can always have faith in the floor price, backed by Olmypus’ war chest.\nThis leads into the next problem that DeFi 2.0 is attempting to solve – that of deep, permanent token liquidity. OlympusDAO controls a massive treasury, which is a great example of an upcoming concept – “protocol controlled value” (PCV). The protocol can deploy liquidity as it sees fit to ensure liquidity for its native token, or to earn yield and grow the treasury larger. Also, their protocols can rent out their liquidity to help other protocols bootstrap token trading, or bolster their liquidity pools.\nDeep liquidity with OlympusDAO\nWe know that liquidity is important in all aspects of DeFi. Without tokens in liquidity pools you can’t make swaps on DEXs, borrow tokens in lending protocols, and enact automated yield farming strategies. Without liquidity DeFi grinds to a halt. And the more liquidity the better. For example, the more liquidity in a DEXs liquidity pool, the less slippage users are subjected to when making token swaps. That’s why DeFi protocols compete with one another to attract liquidity, and increase the TVL of their protocol.\nLiquidity mining, first seen with Compound in 2020, attempted to overcome the liquidity bootstrapping challenge. Protocols mint their governance token, and distribute it incrementally as a reward to its liquidity providers. Unfortunately, this only solves the liquidity problem in the short-term. Liquidity mining programs attract mercenary capital. Without loyalty to any single protocol, users switch their liquidity between protocols whenever higher interest rates popup elsewhere. It’s difficult for protocols to maintain this liquidity, and they have to continue inflating their governance token in order to do so. But more and more, liquidity is managed at the protocol-level, called “protocol controlled liquidity” or “protocol owned liquidity”.\nDeFi 1.0 protocols do not own user liquidity. Users own their LP tokens, and can redeem them for the underlying liquidity at any time. This is changing in DeFi 2.0. Let’s go back to OlympusDAO, and users bonding their crypto in the treasury. Here, user crypto is exchange for discounted OHM. In this case, the users no longer own their liquidity – the liquidity is now permanently held in OlympusDAO treasury. In fact, OlympusDAO controls over 99% of its liquidity in DEXs (e.g. OHM-FRAX LP & OHM-DAI LP).\nThis ensures that the liquidity remains in place so that users can trade in and out of OHM, with low slippage. Also, the protocol earns almost all of the liquidity pool trading fees, and is becoming a large holder of SUSHI, which all work to further grow the protocol.\nFrax Protocol is another good example of PCV. Users mint FRAX stablecoin by depositing their crypto assets into Frax protocol’s reserves. Frax Protocol applies automated market operations (AOMs) on its reserves for a variety of reasons. For example, its collateral investor AMO moves USDC reserves into lending protocols like Compound and Yearn, which earns interest. Another AMO provides FRAX liquidity on exchanges like Curve and Uniswap to ensure deep liquidity pools for FRAX-stablecoin pairs. Fei Protocol is similar – the protocol controls reserves for yield farming strategies to grow its reserves, as well as to provide FEI liquidity on Uniswap.\nThese protocols can also rent out their liquidity to other DeFi protocols, known as liquidity-as-a-service (LaaS). Tokemak is a great example of this. Essentially, individual liquidity providers deposit tokens into reactors, and liquidity directors (LDs) rent out this liquidity to various DEXs. LD’s create liquidity on-demand – they vote on which token reactors get paired together, and which DEXs to send these token pairs to. Of course, Tokemak earns DEX trading fees, which its building up a treasury with. This treasury, controlled by TOKE governance, will be utilized for additional LaaS operations in the future. Tokemak is like a liquidity aggregator, supplying liquidity to other specific areas in the DeFi ecosystem.\nFinally, LaaS is being used to help other up-and-coming protocols launch their native token. Before, to start sellings a token on a DEX you either needed to seed the liquidity pool with a lot of up front capital, or attract users to bring their own liquidity. This brings us back to liquidity mining, which we’ve already established is ineffective in the long run. However, now, OlympusDAO launched a product called Olympus Pro, which generalizes its token bonding mechanism for other protocols. For example, users can bond their LP tokens in exchange for the protocol’s discounted governance token. Now that protocol owns the LP tokens, so the liquidity will remain in place without continuous liquidity mining. This is known as “protocol pwned liquidity” (POL).\nAlso, FEI and FRAX have partnered with Ondo Finance, which provides liquidity pools to protocols looking to list their governance token in an IDO – initial DEX offering. The protocol deposits its governance token in a pool, which is matched by either FRAX or FEI stablecoins. The Frax and Fei protocols earn 5% APR on the liquidity it provides. This is like renting out stablecoin liquidity so that other protocols can quickly get up and running selling their governance tokens.\nI, Travis Kassab, am not a financial advisor, tax professional, broker, or legal advisor. None of my podcasts, videos, or articles constitute financial advice. This content is purely for educational purposes, and is not intended to endorse any cryptocurrency or other investment vehicle. At the time of writing this, my cryptocurrency holdings include: BTC, ETH, CEL, SNX, BANK, SOL, DOT, KSM, USDC, GERO.", "domain": "economics"}
+{"url": "http://roadcarvin.com/blogs/michael-curry/harley-davidson-q3-2010-income-climbs-sales-slip", "date": "2017-04-27T22:34:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917122629.72/warc/CC-MAIN-20170423031202-00403-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.925234317779541, "token_count": 129, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__43990766", "lang": "en", "text": "Harley-Davidson Q3 2010 income climbs as sales slip\nHarley-Davidson's 3rd quarter 2010 financial results are in: income climbs as sales drop. Net income totaled $88.8 million, or 38 cents per share, which compares with income of $26.5 million, or 11 cents per share for the same period last year.\nH-D reported a 7.7 percent decrease in motorcycle sales worldwide, including a 9.4 percent decrease in the U.S.\nThe company posted a net profit of 40 cents per share from continuing operations. Revenue fell 2 percent to $1.09 billion.", "domain": "economics"}
+{"url": "https://mhpillawarra.com.au/?p=129", "date": "2024-02-26T07:19:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474653.81/warc/CC-MAIN-20240226062606-20240226092606-00794.warc.gz", "language_score": 0.9715194702148438, "token_count": 841, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__168462276", "lang": "en", "text": "In March 1950, the Minister for Immigration, Harold Holt, announced that the Commonwealth Government would build hostels for 7,500 British migrants in NSW one of which would be in the Port Kembla area and would accommodate 2,000 British migrants. These proposed hostel units were referred to as Port Kembla Migrant Workers Hostels Units, 3, 4, 5, 6 and 7 and they were to be constructed at Berkeley. This was in addition to existing Port Kembla Migrant Workers Hostel Units 1 and 2 which was later called Unanderra Migrant Workers Hostel Units 1 and 2.\nIt was proposed that about 100 acres would need to be acquired to be able to construct a 5 unit hostel at Berkeley and the Commonwealth Government commenced negotiations with three of the incumbent property owners of Lots 8, 9, and 10 of the Berkeley Estate being a total of 133¼ acres then valued at £15,925.\nAs the departmental officer from the Commonwealth Government’s Department of the Interior set about arranging the negotiations to purchase the land, the Housing Commission of NSW informed the Department of Immigration that the land was also required for the State’s housing development program.\nThe Council of the Greater City of Wollongong was against having migrant hostels concentrated in one area and on Monday, 29 May 1950, the Mayor of Wollongong, Alderman Dawson, gave a tour of an alternative site for a family hostel for British migrants. The alternative site was land at Fairy Meadow, the Collaery Estate, in the process of being purchased by Wollongong Council.\nThe Department of Immigration and Housing Commission of NSW, equally aware of each other’s need to build temporary accommodation for migrants and permanent housing for the people in the Illawarra, as well as migrants, agreed that the Housing Commission of NSW would resume all the land it needed for the housing development at Berkeley and then the Commonwealth Government would the acquire the land from the NSW Government on the proviso the NSW Government would have first offer once the land was no longer needed for the migrant hostels.\nAn altered plan for Commonwealth hostels for British migrants was then conceived being two hostel units at Berkeley and a 3 hostel unit at Fairy Meadow that would be known as Balgownie Migrant Hostel, later changed to Fairy Meadow Migrant Hostel.\nA total of 19 acres 3 roods 12½ perches, part of Lot 8 of the Berkeley Estate and fronted Flagstaff Road was acquired from the Housing Commission of NSW by the Commonwealth Government to construct Berkeley Migrant Hostel Unit 1 and a total of 12 acres 1 rood and 39 perches part of Lot 9 of the Berkeley Estate and fronted Canterbury Road was acquired from the Housing Commission of NSW by the Commonwealth Government to construct Berkeley Migrant Hostel Unit 2. A further 36¼ perches was acquired directly from the owner of Lot 8 by the Commonwealth Government. This small piece of land was at the northern end of Lot 8 and had not been resumed by the Housing Commission of NSW but was needed as part of the Berkeley Hostel Unit 1 site layout.\nBerkeley Migrant Hostel commenced operations in December 1951 and although built for British migrants and their families, other nationalities would also be accommodated there after assisted migration agreements for people of non-British backgrounds commenced.\nThere are no visible remains evident of the Berkeley Migrant Hostel today and with the layout of the Housing Commission homes and new roads, changes to Flagstaff and Canterbury Roads had occurred. The location of the former Berkeley Migrant Hostel today would be for Unit 1 (formerly Flagstaff Road) on Nannawilli Street with Wylandra Place, Tarra Place and Oliver Place located within the boundary of the area acquired for Unit 1. The location of Unit 2 today is also on Nannawilli Street (formerly Canterbury Road) with Boronga Crescent running through the centre of the land acquired for Unit 2. Halyard Street runs between what would have been the location of Units 1 and 2 of the former Berkeley Migrant Hostel.\nMore to come….", "domain": "economics"}
+{"url": "http://landesign-inc.blogspot.com/2014/03/", "date": "2020-02-25T13:05:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875146066.89/warc/CC-MAIN-20200225110721-20200225140721-00351.warc.gz", "language_score": 0.9608073830604553, "token_count": 167, "dump": "CC-MAIN-2020-10", "global_id": "webtext-fineweb__CC-MAIN-2020-10__0__111558120", "lang": "en", "text": "We first worked with Landscape Architect Don MacNair to install the landscape with an eye towards total water conservation. Water from the car wash is captured and stored for irrigation through the use of 3 storage tanks, a small pressure tank and a booster pump. The beauty of the system is that the storage system is constantly being replenished by water otherwise destined to go down the drain. Since there is no irrigation meter, no water is being used from the city system which equates to a sizable savings in money and a plentiful supply of water. The system has been designed to increase in size as necessary to irrigate both Splash Express Car Wash and the adjacent Kia Auto Dealership.\nKeeping Splash Express looking good is now the responsibility of our Maintenance Division and we look forward to the task for many years to come. Check them out!", "domain": "economics"}
+{"url": "http://www.stonecontact.com/products-181664/silestone-unsui", "date": "2017-03-23T02:16:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218186608.9/warc/CC-MAIN-20170322212946-00152-ip-10-233-31-227.ec2.internal.warc.gz", "language_score": 0.8846641182899475, "token_count": 267, "dump": "CC-MAIN-2017-13", "global_id": "webtext-fineweb__CC-MAIN-2017-13__0__194143944", "lang": "en", "text": "Business Type: Quarry Owner,Factory,Exporter\nEstablishment Date:Dec 31,1912\nNo. of Total Employees:51 ~ 200\nMain Products:Cosmic Gold, Porphyry, Boreal Black, Nero Boreal Granite, Gris Perla, Coco Brown, Santa Fe Brown\nContact Person:Javier De Stefano\nFax:54-11 4488 1007\nAddr:E. Comesaña 4385 (B1702BOC), Ciudadela, Buenos Aires, Argentina\nOur firm entered the stone business in 1913 as a distributor of marble in Argentina. Since then, the firm has grown consistently and started to integrate vertically. Today we are leaders in the marketplace in both local sales and exports. Our main export destinations are North America, Asia, South America and Europe.\nWe own three plants equipped with world class technology where we process granite and porphyry as well as several quarries to ensure consistent quality and a reliable production. Our production capacity is over 500,000 sq mt per year. This production level is achieved with 14 saws, 4 polishing production lines, 2 flaming lines and 2 porphyry production lines.\nOur main concern is to continue developing our knowledge in natural stone to keep serving the most sophisticated consumers around the world.", "domain": "economics"}
+{"url": "https://bestdigitalconsultancy.com/why-we-decided-to-have-a-blog/", "date": "2024-02-23T04:48:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474360.86/warc/CC-MAIN-20240223021632-20240223051632-00192.warc.gz", "language_score": 0.967513918876648, "token_count": 602, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__2338883", "lang": "en", "text": "Why This Blog Exists\nThis blog was started to provide insights, solutions, and thoughts about business problems, ideas for making money, and saving money for everyone but especially small business owners. It is our hope that through this blog, everyone can learn from our successes, manage time, and find solutions to their problems in an effort to build your business and help you reach your goals.\nYour Helping Hand\nIf you’re looking to take your business to the next level, you will run into problems. These could include things like time management, book-keeping and tracking clients and work. It could be your thinking about whether you should charge more or less for your goods or services. This blog exists to bring you ideas and solutions to these. We also want to help you save money and to make more money. We exist to help businesses be successful. Our motto is your success is our success. Techfriends Digital provides a wide variety of professional digital services, but we go beyond just providing these services. We look to help you and your businesses reach your goals through our ideas, and through sharing thoughts, ideas, and suggestions. We want to build a community of friends who benefit from our blog and from our services. This blog will be your helping hand.\nThere is no one-size-fits-all solution to the myriad business problems we bump into, but there are many ways to make a difference. Talk about solutions to problems in your community, with us, and in the world. Be part of the solution, not the problem. Give us your ideas and share them with us. We will do our best to always provide quality content to help you reach your goals and your success.\nThere are a number of ways to make money online and offline. One way to make money online is to sell products or services online. This can be done through a variety of platforms, such as online marketplaces, websites, or even social media platforms. Another way to make money online is to provide content or services that others are willing to pay for, such as through writing, graphic design, or web development.\nThere are also a number of ways to make money offline. One way to make money offline is to sell products or services in person. This can be done through a variety of methods, such as through brick-and-mortar stores, pop-up shops, or even door-to-door sales. Another way to make money offline is to provide services that others are willing to pay for, such as tutoring, child care, or home repair. Our hope is to share ideas that can be added to your existing business or maybe for those who are looking to start a profitable business and idea they can start.\nWrapping up we at Techfriends Digital want to welcome you to our blog, and hope you will continue to find content that is of use to you and maybe even be convinced to use some of the ideas and suggestions we will come up with.", "domain": "economics"}
+{"url": "https://www.borjainsurance.com/insurance/business", "date": "2023-06-03T23:41:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224649348.41/warc/CC-MAIN-20230603233121-20230604023121-00268.warc.gz", "language_score": 0.940839946269989, "token_count": 334, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__186799295", "lang": "en", "text": "Business Insurance in and around Valencia\nWe also offer Business insurance in:\n- Santa Clarita\n- South Bay\n- Canyon Country\n- San Fernando Valley\n- Los Angeles\n- Redondo Beach\n- Litchfield Park\nCost effective insurance for your business.\nAs a business owner, you have to manage all areas of business, all the time. The details can be overwhelming! You can save time by working with State Farm agent Enrique Borja. Enrique Borja can relate to where you are because all State Farm agents are business owners themselves. You'll get a business policy that covers your worries and frees you to focus on growing your business into the future.\nPROTECT YOUR BUSINESS WITH STATE FARM\nState Farm has been helping small businesses grow since 1935. Business owners like you have counted on State Farm for coverage from countless industries. It doesn't matter if you are an optician or a plumber or you own a newspaper distributor or a beauty salon. Whatever your business, State Farm covers it with customizable policies that meet each owner's specific needs. It all starts with State Farm agent Enrique Borja. Enrique Borja is the person who understands where you are firsthand because all State Farm agents are business owners themselves. You'll get a business policy that covers your worries, which will free you to focus on growing your business into the future. Contact State Farm agent Enrique Borja today to check out how one of the leaders in small business insurance can ease your business worries here in Valencia, CA.", "domain": "economics"}
+{"url": "http://www.sepg.pap.minhap.gob.es/sitios/sepg/en-GB/Paginas/Inicio.aspx", "date": "2013-12-13T16:16:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386164960531/warc/CC-MAIN-20131204134920-00039-ip-10-33-133-15.ec2.internal.warc.gz", "language_score": 0.9111248254776001, "token_count": 366, "dump": "CC-MAIN-2013-48", "global_id": "webtext-fineweb__CC-MAIN-2013-48__0__59292416", "lang": "en", "text": "The State Secretary for Budget and Expenditure (SEPG, Secretaría de Estado de Presupuestos y Gastos), which reports to the Minister of Finance and Public Administration, directs and coordinates:\nThe formulation of criteria and objectives for budgetary policy, multi-year programming of public sector income and expenses programmes and the drawing up of the State Budget, its monitoring and the assessment of its implementation, through the Directorate General of Budgets.\n- The planning, programming and budgeting of public sector personnel costs and the recognition and payment of pensions of the General System of Passive Classes, all through the General Directorate of Personnel Costs and Public Pensions.\n- The design, planning and management of EU funds and the state implementation of the regional incentives policy, together with the monitoring and management of the Spanish participation in the Community budget of the European Union through the Directorate General of Community Funds.\nIt is also attached to the State Secretary for Budget and Expenditure and the Government Comptroller's Office.\nIn the exercise of these functions, the Secretary coordinates the Commission on Expenditure Policy and the Revenue Commission (chairing these in the absence of the Minister of Finance and Public Administration). The SEPG also chairs the Programme Analysis Commissions and is vice-chair of the Commission on Financial Coordination of Real Estate and Property Actions. In addition, the Secretary acts as chair of the Public Investment Committee and the Governing Council of Regional Incentives, and also heads the Special Delegation of the Ministry of Finance and Public Administration at RENFE-Operadora; the administrative units of this delegation report structurally and functionally to said Secretary.\nThese pages contain up-to-date information on all of the SEPG's actions and allow for the possibility of contacting the different units through the following contact addresses.", "domain": "economics"}
+{"url": "http://karmsolar.com/?page_id=170", "date": "2015-08-05T12:25:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-32/segments/1438044271733.81/warc/CC-MAIN-20150728004431-00293-ip-10-236-191-2.ec2.internal.warc.gz", "language_score": 0.9140402674674988, "token_count": 216, "dump": "CC-MAIN-2015-32", "global_id": "webtext-fineweb__CC-MAIN-2015-32__0__183649551", "lang": "en", "text": "ABOUT US / BOARD MEMBERS / PARTNERS\nKarmSolar is a private Egyptian company established in 2011 dedicated to providing innovative off-grid solar energy solutions that are commercially viable and easy-to-use in the agricultural, industrial, and business sectors. Through developing unique approaches to each project, we develop systems that harness the power of the sun and replace diesel-powered processes and thereby producing energy that is affordable, stable, reliable, and environmentally friendly.\nMeaning “a fruitful vine” in Arabic, the name for the company was inspired by the Karm Eco Lodge, a nature preserve in South Sinai and represents our commitment to sustainability. Our goal is to commercialize sustainability, enabling businesses to gain from an increase in productivity whilst benefiting from, and protecting, the environment.\nThe first company to install a high-capacity off-grid solar water pumping station in the Middle East and North Africa in April 2013.\nInternational recognition for projects: HCT-Wharton Innovation Tournament in 2012, celebrating breakthroughs in innovation for sustainable global solutions.", "domain": "economics"}
+{"url": "https://hutchisonportstng.com/en/history/", "date": "2023-04-01T23:03:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296950363.89/warc/CC-MAIN-20230401221921-20230402011921-00133.warc.gz", "language_score": 0.9365936517715454, "token_count": 1337, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__246979356", "lang": "en", "text": "The great history of such prestigious shipyard in the Gulf of Mexico dates back to 1929 in the Port of Veracruz, when by initiative of Commodore Ignacio Garcia Jurado the dockyard arose as a small construction patio immediate to the San Juan de Ulua Fort, that came to life until 1935 with only one dry dock of 50 meters length, 9 meters breadth, and 2.7 meters draft, under the same mission of conducting the construction of 5 coastguards and thus prepare the Mexican workforce for the expansion of the maritime industry.\nLater in Veracruz, a year after the creation of the Secretaria de Marina, the construction of dry dock number 2 started, with 157 meters length, 19 meters breadth and 4.8 meters draught, as part of the edification of the Naval Base Unit in what used to be the lower ground of San Juan de Ulua. This important construction required emerging the surface to 1.20 meters above the sea level and gain 40 hectares of sea land using the dredging products from the bay.\nFourteen years later, directed by Admiral Antonio Vazquez del Mercado, the shipyard in Veracruz conducted the construction of the first vessel with steel casing in Mexico; It was a small merchant with 765 tons of deadweight, 52.8 meters length and 8.28 meters breadth, which was baptized under the name of “Mexico” and was launched in June 15th 1958 under the guardianship of the Italian Engineer Alberto Farina; so being modestly supervised and designed with foreign technology, that another vessel was constructed in Mexico after 150 years of inactivity for the vessel construction industry.\nAstilleros de Veracruz S.A.\nDuring this stage, in May 1962 with resources from Maryland Dry-dock Company, the company Astilleros de Veracruz S.A. was born, which followed the construction of fishing boats, patrol vessels, tugboats and barges for Mexico and abroad, as well as performing dry and afloat repairs.\nAstilleros Unidos S.A.\nIn the 70’s, during the government of Luis Echeverria Alvarez, the government-sponsored company Astilleros Unidos S.A (AUSA) was formed by presidential decree, that would be the one in charge of managing the 4 biggest shipyards on our country, with the one in Veracruz among them, which during the period of June 1976 and November 1978 conducted the construction of 7 patrol vessels of 112 meters length for Mexico’s Army.\nAstilleros Unidos de Veracruz S.A. de C.V.\nWith the oil boom and the increase of oil exports in the 80’s, Mexico suffered the consequences of hold up against the International Maritime Industry, since the oil exports had to be defrayed in their majority to foreign vessels with the subsequent currency leak. Due to this, Mexico faced the biggest challenge for the national maritime industry at that time: building tanker vessels to avoid paying foreign transportation and place the Mexican maritime industry in a better scenario.\nThus being crystallized when Jose Lopez Portillo, President of the Republic at that time, entrusted the company A&P Appledore of England with a feasibility study for the development of shipyard for heavy maritime repair and construction, the same that once proven efficient started in 1979 and contemplated the inclusion of another drydock with 271 meters length, 36 meters breadth and 5.18 meters draught, project that finalized in 1982 under the name of Astilleros Unidos de Veracruz S.A de C.V (AUVER), becoming the first heavy maritime construction centre in Mexico.\nSuch infrastructure, the first of its type in Mexico, was the one that started the mass production of tanker vessels Nuevo PEMEX I, II, III and IV built with a capacity of 45 tons of deadweight from 1983 to 1989 with more than 6 thousand workers, such being the biggest maritime construction in the country ever since, and the one that gave way for the construction of more vessels like boats, reduced draught casing for Holland, dredgers for PEMEX and hundreds of major repairs for national and foreign vessels.\nTalleres Navales del Golfo\nLater on, in 1995, after the Port requisition in Veracruz, the shipyard continues its operations under concession with the now prestigious name of Talleres Navales del Golfo (TNG) and enters the metal works industry, fabricating structures such as offshore modules, jackets, bridges, decks, wind towers, heliports, funnels, steel tanks, rolled pipes, beams pills and buoys, among others, which reduced the maritime repair activities, until 2003 when the the shipyard stood out with the construction of two rigs “Carina” and “Aries” for Argentina.\nMiembro del grupo Hutchison Ports\nIn 2006, Talleres Navales del Golfo became a member of Hutchinson Ports, main port investor, developer and operator in the world, event that returned the great shipyard in the Golf of Mexico to its Alma Mater regarding service providing in the maritime sector; In this way, and thanks to Jose Antonio Sardiña Aguirre, as General Manager since 2011, the shipyard retook steady course with the intention of placing the shipyard as the tip of the spear for the Mexican Maritime Industry, without leaving aside the expertise reached among the metal works sector. This became a reality when in April 2nd, 2014, through an strategic alliance with PEMEX and SEMAR, TNG announced the reactivation of the Naval Construction in Mexico, with the beginning of the construction of 4 azimuth tugboats for PEMEX Refinery and the shot blasting process, application of shop primer, cutting and beveling of the more than 3000 steel plates required for the 16 vessels which would renew part of PEMEX’s minor fleet.\nHutchison Ports TNG cumple 80 años.\nThis is how 2015 represent a year of accomplishments and celebration for Talleres Navales del Golfo, because it cements 20 years as assignee in the Port of Veracruz only a few days after the recent Floating ceremony of the Azimuth tugboat C-130, same that will incorporate PEMEX’s minor fleet midyear, crowning with this the commemoration of 80 great years of the shipyard that has been constructing history.", "domain": "economics"}
+{"url": "https://www.borderlessaid.org/projects", "date": "2023-11-29T09:04:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100057.69/warc/CC-MAIN-20231129073519-20231129103519-00527.warc.gz", "language_score": 0.9492542147636414, "token_count": 146, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__196688596", "lang": "en", "text": "Food & Goods\nBorderless Aid comes to the aid of families in need and collects donations of food, clothes, toys or other items. We also offer support for the fuel for the transport of goods in the county.\nHome appliances & furniture\nFrom furniture to electronics, we collect donations of such items or buy them. The collected items will be stored and then transported to those in need.\nWe provide legal advice in partnership with a lawyer for those in need.\nWe buy medication for elders or families whose members are following a treatment and cannot afford to buy it.\nWe renovate improper and inadequate shelters or houses of poor and deprived citizens.\nSocial & cultural events\nWe organize cultural events for the local community.", "domain": "economics"}
+{"url": "https://www.yourlifestage.com/resource-center/investment/impact-of-taxes-and-inflation", "date": "2023-09-23T15:08:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506481.17/warc/CC-MAIN-20230923130827-20230923160827-00640.warc.gz", "language_score": 0.9278146624565125, "token_count": 146, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__203609802", "lang": "en", "text": "Impact of Taxes and Inflation\nEstimate the potential impact taxes and inflation can have on the purchasing power of an investment.\nYou are viewing this website at a small screen resolution which doesn't support calculators. Click here to view this calculator.\nCharitable Giving: Smart from the Heart\nDo you have causes that you want to support with donations?\nCounteracting Capital Gains with Tax-Loss Harvesting\nYou may have heard the phrase \"tax-loss harvesting.\" A financial professional may be able to provide some guidance.\nWhat Is a 1035 Exchange?\n1035 exchanges provide a way to trade-in an annuity contract or life insurance policy without triggering a tax liability.", "domain": "economics"}
+{"url": "https://www.mallardspac.com/investors/sec-filings/xbrl_doc_only/36", "date": "2021-10-21T21:02:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585441.99/warc/CC-MAIN-20211021195527-20211021225527-00094.warc.gz", "language_score": 0.9209589958190918, "token_count": 733, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__52611986", "lang": "en", "text": "|10 Months Ended|\nDec. 31, 2020\n|Commitments and Contingencies Disclosure [Abstract]|\nNOTE 7. COMMITMENTS\nPursuant to a registration rights agreement entered into on October 27, 2020, the holders of the Founder Shares, Private Placement Warrants and warrants that may be issued upon conversion of Working Capital Loans (and any shares of common stock issuable upon the exercise of the Private Placement Warrants and warrants that may be issued upon conversion of Working Capital Loans) will be entitled to registration rights requiring the Company to register such securities for resale. The holders of the majority of these securities will be entitled to make up to three demands, excluding short form demands, that the Company register such securities. In addition, the holders have certain “piggy-back” registration rights with respect to registration statements filed subsequent to the completion of a Business Combination and rights to require the Company to register for resale such securities pursuant to Rule 415 under the Securities Act. The registration rights agreement will not contain liquidating damages or other cash settlement provisions resulting from delays in registering the Company’s securities. The Company will bear the expenses incurred in connection with the filing of any such registration statements.\nThe underwriters are entitled to a deferred fee of $0.35 per Unit, or $3,850,000 in the aggregate.\nRight of First Refusal\nSubject to certain conditions, the Company granted Chardan Capital Markets, LLC, for a period of 15 months after the date of the consummation of a Business Combination, a right of first refusal to act as lead underwriters or minimally as a co-manager, with at least 30% of the economics; or, in the case of a three-handed deal 20% of the economics, for any and all future public and private equity and debt offerings. In accordance with FINRA Rule 5110(f)(2)(E)(i), such right of first refusal shall not have a duration of more than three years from the effective date of the Initial Public Offering.\nIn connection with the closing of the Initial Public Offering, certain qualified institutional buyers or institutional accredited investors not affiliated with any member of the Company’s management (the “anchor investors”) purchased an aggregate of 10,370,000 Units. Separately, each of the anchor investors entered into a separate agreement with the Sponsor pursuant to which such investors purchased membership interests in the Sponsor representing indirect beneficial interests in up to 60,500 Founder Shares and 224,490 Private Placement Warrants upon closing of the Initial Public Offering.\nNeither the membership interests in the Sponsor nor the Founder Shares or Private Placement Warrants to be indirectly owned by such investors will be subject to forfeiture without their consent.\nThe price paid by the anchor investors for the preceding Founder Share and Private Placement Warrant membership interests is approximately the same, proportionally, as that paid by the other members of the Sponsor, collectively, for the rest of such membership interests.\nThere can be no assurance as to the number of Units the anchor investors will retain, if any, prior to or upon the consummation of a Business Combination. In the event that the anchor investors purchase such Units and vote them in favor of a Business Combination, a smaller portion of affirmative votes from other public stockholders would be required to approve a Business Combination.\nThe entire disclosure for commitments and contingencies.\nReference 1: http://fasb.org/us-gaap/role/ref/legacyRef", "domain": "economics"}
+{"url": "https://familyofficeinlondon.com/golden-visa/", "date": "2023-09-30T03:35:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510575.93/warc/CC-MAIN-20230930014147-20230930044147-00377.warc.gz", "language_score": 0.94675213098526, "token_count": 900, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__303202775", "lang": "en", "text": "Sadly, UK Tier 1 Investor visa is now abolished and it is no longer possible to apply. This blog post is left unaltered for historic purposes only.\nAs an ultra high net worth individual you may feel bombarded with the vast choices you can make and yet unable to make your decision.\nYou hear people talk about UK Tier Investor visa, European Golden visa and Citizenship by Investment schemes.\nThey all require substantial investment. Still you are not sure what you are getting if you went with one choice, but not the other. How likely you are to make the right choice or overlook the necessary details and miss out on the life-changing opportunity altogether.\nWhat does it entail to you exactly? What are the practical consequences for you and your family?\nUK Tier 1 Investor visa as a version of British Golden visa\nUK Tier 1 Investor visa is a UK immigration category. This is an opportunity for you to relocate to the UK and earn long-term residence rights, known as indefinite leave to remain.\nOnly after you meet specific residence requirements and earn your own indefinite leave to remain you may be eligible to apply for British citizenship.\nThere is no direct route to British citizenship based on making an investment alone.\nEuropean Golden visa\nGolden visa is coined by property developers. Typically, the golden visa was started in Portugal (Europe / EU).\nThe idea was that if you bought property in Portugal, this would allow you to relocate to Portugal.\nPortugal being a member of the European Union (EU) with free movement rights means that you would be able to travel throughout Europe on your Portuguese residence permit.\nSimilar Golden visa proposition was extended to Spain and some other European (EU) countries.\nThis option is no longer relevant if you are looking to create your residence rights in the UK. The UK left the EU and the EU free movement rights are no longer supported in the UK.\nGlobal Invitation: Citizenship by Investment\nCitizenship by Investment is an option that you find in the Caribbean islands and some other remote areas, such as Vanuatu.\nSome European countries set up their own schemes, such as Cyprus, Greece and Malta. All in an attempt to attract additional funds in support of their own fragile economies.\nThe European Commission is known to have fiercely criticised such regimes.\nNonetheless, some countries appear to be doing better than others.\nThe most attractive part of the citizenship by investment option is the opportunity to be awarded citizenship and passport soon after you make the necessary investment.\nIn some jurisdictions it may take less than a year, while in others, this may take a bit longer.\nHowever, the final reward is the actual passport.\nThis can be an important choice if you are looking to acquire secondary citizenship, which allows you a visa free travel.\nIf you are coming from a country where international travel may be unduly tricky, this may be one of the options you may be considering.\nHowever, if your ultimate destination is to move and live in the UK, then citizenship by investment may not be what you are looking for.\nPerhaps, you are better off applying for the UK Tier 1 Investor visa and earn your rights to British citizenship.\nNot sure where to start or how to find the right UK immigration adviser for you to apply for the right UK visa for you and your family, schedule a phone call with me!\nYou will be first guided to a payment page when you choose “book a call” option. After making the payment, you will be able to choose the most convenient date and time for our Zoom meeting. You can report a payment issue here.\nSaule Voluckyte, M.A.E.S, LL.B, FAIA\nI have been working exclusively with UHNWI in Mayfair, London since January 2008. I built specialist knowledge and expertise required to serve ultra high net worth individuals investing, operating and relocating to the UK or Switzerland.\nWithin the industry, I am the single adviser who is able to traverse the different areas of expertise and bring a comprehensive approach across: global structuring, UK immigration, international taxation and FOREX to develop their global wealth strategy, while they build, grow and expand their wealth worldwide.\nPrevious experience as one of the senior advisors for the government, made me a go-to person when delicate and uncomfortable scenarios involving heads of state need to be handled with care and preserve privacy.", "domain": "economics"}
+{"url": "http://melioratus.eu/", "date": "2017-02-20T01:36:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501170380.12/warc/CC-MAIN-20170219104610-00123-ip-10-171-10-108.ec2.internal.warc.gz", "language_score": 0.96073317527771, "token_count": 210, "dump": "CC-MAIN-2017-09", "global_id": "webtext-fineweb__CC-MAIN-2017-09__0__134530957", "lang": "en", "text": "Melioratus Group was founded in Slovakia in August 2011. From the beginning it focused mostly on consulting in call centre management, quality management setup and process improvement in contact centres. After less than two years of successful activities in Slovakia we accepted our first international client and expanded our business throughout the European Union. In autumn 2013 the second company of the group was founded in Portugal. It has extended the working business model to new activities, such as coaching and mentoring of managers, due dilligence or mediation of business meetings.\nWhile developing its name as a premium boutique consultancy in customer service, Melioratus started to consider entering the retail business itself. Driven by very strong belief that customer care can always be improved and it is the number one factor in customer retention and satisfaction, the company realized that it had all the right tools, experiences and skills at hand to create a customer-centric retail business. Right now, Melioratus prepares to open its first two ventures into e-commerce: Geekpub.sk and Foiro.eu.", "domain": "economics"}
+{"url": "http://services.cd-writer.com/services_care.php", "date": "2023-02-01T19:17:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499949.24/warc/CC-MAIN-20230201180036-20230201210036-00816.warc.gz", "language_score": 0.9388815760612488, "token_count": 197, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__34186202", "lang": "en", "text": "Due to the demanding nature of DVD and CD production schedules, many customers find that they benefit from the peace of mind offered by our extended warranty options. Reduce your downtime and maximise your profits with an extended warranty.\nNewsflash: We have introduced our new CopyCredit service. Customers of CD-writer.com duplication products can now get discounted DVD and CD production via our Duplication Service.\nCopyCredit is a great service provided exclusively by CD-writer.com Ltd to support duplicators from a range of manufacturers. CopyCredit is a method by which customers can purchase credits for discounted CD and DVD production work.\nAvailable in a range of sizes CopyCredit is bought at the time of the first duplication job and ensures that the customer can meet their growing production demands. For example, CopyCredit 300 offers the customer the ability to produce 300 DVDs or CDs (printed and copied) via the CD-writer.com duplication service, whilst making a 20% saving on the service.", "domain": "economics"}
+{"url": "https://www.plantfactory.club/nutrient-film-technique", "date": "2024-02-25T07:22:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474594.56/warc/CC-MAIN-20240225071740-20240225101740-00804.warc.gz", "language_score": 0.9502734541893005, "token_count": 283, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__170880721", "lang": "en", "text": "NFT is a hydroponic technique in which the roots of a plant grow in a plastic film or a fixed channel through which the nutrient solution is continuously circulated to provide the plant with the necessary nutrients and water.\nThe NFT hydroponic system consists of three parts: Environmental Control, water and fertilizer control, and circulation pipeline.\nNFT hydroponic system has become the choice of many large-scale production enterprises, because of its low input cost, saving costs in the initial stage of construction, so that enterprises quickly into the profit model. NFT hydroponic systems are also suitable for small businesses and individual growers to choose from, the early stage does not need too high investment, can also grow high-quality vegetables. The world's population is expected to reach 9.1 billion by 2050, according to the Food and Agriculture Organization of the United Nations (FAO) , leading to the possibility of a serious imbalance in the supply of vegetables in the future. NFT hydroponics eliminates the risk of disease caused by soil microorganisms, has the advantages of short growth cycle, high yield, low investment, High cost-performance ratio, reble water resources, and the production center can be close to cities and close to consumer markets, nFT hydroponics is a feasible solution to solve the problems of shortage of arable land and water resources by saving transportation and cold storage costs.", "domain": "economics"}