We are a manufacturer and distributor of specialty chemical products and durable goods to industrial, educational, institutional, commercial and governmental accounts.
Continental 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.
In 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.
What 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.
Our core values reflect our hassle-free business philosophy…
- We are a sales and customer satisfaction business.
- We work together to ensure that all customer commitments are met promptly and courteously.
- Communication and teamwork make us accountable at a high level.
- Encouragement and confidence in our people sets us apart.
- Each employee represents the quality of our organization.


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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.
The 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.
Bioethanol 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.
Based 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.
Today, 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.


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.
We 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.
Lowering prescription transaction costs is the single greatest solution to reducing overall costs per claim.
The fees involved in delivering pharmaceuticals account for a substantial portion of expenditures, and we work diligently on behalf of our clients to minimize expenditures.
Pharmaceuticals 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.
Metrics that Minimize Costs
As claims age, pharmacy spend on claims quickly rises. Our proprietary analytics program tracks pharmaceutical costs to identify cases that should be targeted for settlement.
A National Pharmacy Network
Our 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:
- Focus on providing the lowest-cost, quality pharmaceuticals
- Have the ability to offer custom compounding at a significant discount
- Provide mail-order delivery
Smart Settlement Strategy
With 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.
Eliminate Stress and Administrative Headaches
Statutes 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.
Cost 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.
To talk to a member of our executive team, reach us by phone at 609-953-0440 or email us.


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.
We protect your product and reputation from dock to destination.
Headquartered in Holland, Michigan, we supply businesses throughout the Midwest with durable, cost-effective packaging products and innovative services.
From 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.
Using sustainable, advanced technology, we produce corrugated, plastic, foam and mixed-material boxes, trays, clamshells, kits, partitions and more.
More 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.
We understand that our packaging protects more than your product, it also protects your reputation.
To 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.”


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.
Our mission is to match the demand for engineered materials and components with the capabilities of the manufacturing companies that we represent.
Greater 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.
MATERIALS & SERVICES
• Strategic Sourcing of Exotic/Challenging Metal Raw Materials
• Stocking Programs
• Component Fabrication or Assembly
• Secondary Operations
• Surface Modification
• Technical Support Services and Resources


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.
Like 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.
Intellectual 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.
According 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.
“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.”
Out 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.
Cybercriminals see no benefit in deleting a valuable document from the server, so will simply duplicate the file, meaning the organisation is none the wiser.
To 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.
Numerous 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.
Naidoo stresses that companies cannot rest on their laurels in the face of cybersecurity threats as targeted attacks are becoming more sophisticated and ever-evolving.
“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.”
Increased global competition and the resulting advantages of trade secrets have made corporate IP a lucrative target for cybercriminals.
Naidoo 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.”
By Nithen Naidoo
Edited by Jenna Cook
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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.
Jakarta 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.
The 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.
Those 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.
However 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.
**Please follow TheBusinessJakarta Twitter Account @businessjakarta for live update about this article.
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Buy Now, Pay Later companies are banding together with the Australian Finance Industry Association to conduct a world-first BNPL Code of Practice.
AFIA 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.
AFIA 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.
The 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.
“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.”
This 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.
As 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.
Moreover, 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’.
Other discussed feedback included various measures to help customers manage their payments, and introduce actions that support vulnerable customers.
This 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’.
“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.
“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.”
As 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.
“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.
“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.”
AFIA aimed to have the Code operating by 1 July 2020, but the pandemic has pushed it back to launch on January 1 2021.
Power 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.


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.
Ebru 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.
Mrs. Özdemir has a B.Sc. in Civil Engineering (Bosphorus University, Turkey) and an MBA (Fordham University, US).


Food-processing industries: 17% of regional industrial employment
Normandy 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.
The 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).
The 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.
Milk and Meat: the two cornerstones of Normandy food-processing industry
In 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.
Part of these transformed products benefit from the European or French PDO (Protected Designation of Origin) and impacts local production.
Innovative sectors complete the offer: 4th generation salads, ready-cooked meals, prepared sea products, sweets.
Breakdown of food-processing companies in Basse-Normandie by sector of activity
Breakdown of employment in food-processing industries in Basse-Normandie by sector of activity
Revenue for food-processing industries in Basse-Normandie by sector of activity
In 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.
Breakdown of food-processing companies in Haute-Normandie by sector of activity
Breakdown of employment in food-processing industries in Haute-Normandie by sector of activity
Revenue for food-processing industries in Haute-Normandie by sector of activity
Fewer and fewer independent and regional companies
Numerous 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…
The 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.
Export to be developed
In 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.
The 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.
The 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.
The 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.
In 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.


Release Date: 07/31/2019
Delivers Record Quarterly Revenue; EPS at Top End of Guidance
Chandler, Arizona, July 31, 2019: Rogers Corporation (NYSE:ROG) today announced financial results for the 2019 second quarter.
The 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.
Second 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.
Adjusted 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.
Gross 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.
"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."
Business segment discussion
Advanced Connectivity Solutions (ACS)
Advanced 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.
Elastomeric Material Solutions (EMS)
Elastomeric 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.
Power Electronics Solutions (PES)
Power 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.
Other 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.
Balance sheet and other highlights
Rogers 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.
Effective tax rate
Rogers' 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%.
Financial 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.
For the full year 2019, Rogers expects capital expenditures to be in a range of $50 to $60 million.
About Rogers Corporation
Rogers 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.
Safe Harbor Statement
This 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.
Conference call and additional information
A conference call to discuss the 2019 second quarter results will take place today, Wednesday July 31, 2019 at 5pm ET.
A live webcast and slide presentation will be available under the investors section of www.rogerscorp.com/ir.
To participate, please dial:
1-800-574-8929 Toll-free in the United States
There is no passcode for the live teleconference.
If 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.
Additionally, the archived webcast will be available on the Rogers website at approximately 8 pm ET August 1, 2019.
Please contact the Company directly via email or visit the Rogers website.


Minister Duclos to Host a Facebook Live Event Discussing the Federal Anti-Poverty Strategy
On 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/
Participants will be invited to submit questions and pose comments.


Ministry of Communications Launches Financial Upgradation Scheme for Gramin Dak Sevaks (GDS).
In 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.
The 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.
Crucially, 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.
Beyond 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.
The 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.
The 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.
In 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.


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.
During 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).
Want to join? Click here and see the list of the selected artists by Luciana Brito Galeria for the P.art.ilha Ação #2
Luciana Brito Galeria
Avenida Nove de Julho 5162
São Paulo Brasil 55 11 3842 0634


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.
Binary Trading in the GCC
All 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.
Types of scams running in the GCC
The 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:
- ● 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)
- ● 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.
- ● 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.
- ● 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.
- ● 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.
- ● 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.


Mortgage Broker – Top HECM Help
Reverse Mortgage – Local Lenders in DFW
Are You Looking For a Local Reverse Mortgage Professional That Offers:
- Free Consultation, Rates & Calculator,
- 25+ Years of Experience – Lenders Here To Help,
- Reverse Mortgage & HECM (Home Equity Conversion Mortgage) Explained,
- Solutions for Adults 62+ w/ 50%+ Equity in Dallas,
- and Trusted By 1,000s of Homeowners / Companies in DFW?
If 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.
To get started give us a call or fill out the form to schedule a free consultation.
Do I Qualify?
10 Reverse Mortgage & HECM Strategies:
- Pay off my existing mortgage to increase cash flow.
- Renovate my home to make it safer and more enjoyable.
- Give my retirement savings accounts more time to grow.
- Delay taking my Social Security for larger payouts later.
- Build a stronger safety net.
- Gain greater peace of mind for my long-term healthcare needs.
- Purchase another home that will better fit my needs.
- Protect my portfolio in a down market.
- Create a lifetime income stream for my family and me.
- Pay off other debt, like high interest credit cards.
Reverse Mortgage & HECM Eligibility Requirements:
- Be 62 or older
- Own and live in your home as your primary residence
- Undergo a financial assessment to ensure a reverse mortgage can serve you as a sustainable, long-term retirement solution
- Receive counseling by an independent, HUD-approved third-party to confirm you understand your obligations and responsibilities with a reverse mortgage
- Maintain the property and continue paying property taxes, homeowners insurance, homeowner association and any other applicable fees
- More than 1 million homeowners 62 and over have used a HECM reverse mortgage to age in place.
- Since obtaining a reverse mortgage, 8 out of 10 customers said their lives have improved.
- Home equity levels for homeowners aged 62 and older grew to $7.1 trillion in the fourth quarter of 2018.
Reverse Mortgage Evaluator


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.
The 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.
Lifestyle 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.
Did 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!
Researching 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.
Economic 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.
Timing 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!
Selling 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!


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.


An Independent Heating Oil Supplier In Devizes
We 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.
We 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.
Not 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.
Our 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.
Vale 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.
Come and see how we do things differently.
We 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.
Direct 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.
Our 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.
Premium 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.
About Vale Oils
Vale 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.
We 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.
Being 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.
Our 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.
Want 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.
Our Good Causes
Wiltshire Air Ambulance (WAA)
Reaching 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.
True Heroes Racing (THR)
With 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.


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.”
It also said that all banks should provide deposit and or exchange facilities for 2000 banknotes until September 30, 2023.
The RBI said it would withdraw all the Rs 2000 banknotes as a part of its clean note policy.
According 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.
“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.
The 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.
The 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.
It said that the facility for exchange of Rs 2000 banknotes would be provided to people by all banks through their branches.
The 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.


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.
For 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.
9 Essential Growth Marketing Metrics
SaaS 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:
#1. Monthly Recurring Revenue (MRR)
MRR 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.
#2. Customer Acquisition Cost (CAC)
CAC 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.
#3. Customer Acquisition Cost Payback Period
CAC 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.
#4. Customer Lifetime Value (CLV):
CLV 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.
#5. Churn Rate
Churn 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.
#6. Conversion Rate
Conversion 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.
#7. Active Users
Active 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.
#8. Net Promoter Score (NPS)
NPS 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.
#9. Return on Investment (ROI)
ROI 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.
Overall, 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.
Useful Tools for Keeping Track of Growth Metrics for SaaS
There are several tools that are critical for analyzing SaaS growth. Here are some examples:
#1. Google Analytics
This 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.
#2. Mixpanel & Amplitude
Mixpanel 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.
#3. SEMrush & Ahrefs
SEMrush 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.
#4. ChartMogul & Baremetrics
ChartMogul 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.
#5. Looker & Tableau
Looker 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.
By 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.
Growth Metric Calculations
How to Calculate CAC
To 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:
- CAC = (Total cost of sales and marketing) / Number of new customers acquired
For 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:
- CAC = $10,000 / 100 = $100
It’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.
How to Calculate CAC Payback Period
To 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:
- CAC Payback Period = CAC / (Average Monthly Recurring Revenue per Customer)
For 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:
- CAC Payback Period = $10,000 / $100 = 100 months
This means that it would take 100 months, or just over 8 years, for the business to recoup the cost of acquiring its customers.
It’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.
How to Calculate Customer Lifetime Value
To 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:
- CLV = (Average Monthly Recurring Revenue per Customer * Gross Margin %) / Churn Rate %
Here’s what each of these variables means:
- 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.
- Gross Margin %: This is the percentage of revenue you retain after deducting the direct costs of delivering your product or service.
- Churn Rate %: This is the percentage of customers who stop using your product or service over a given period of time.
For 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:
- CLV = ($100 * 0.80) / 0.05 = $1,600
This 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.
How to Calculate Churn Rate
To 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:
- Churn Rate = Number of Customers Lost During a Given Time Period / Total Number of Customers at the Beginning of the Time Period
For 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:
- Churn Rate = 50 / 1000 = 5%
This means that the business had a churn rate of 5% for that month.
It’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.
How to Calculate NPS
To 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:
- 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?”
- Once you receive responses, categorize them into three groups based on the score they gave:
- Promoters (score 9-10): These are customers who are highly likely to recommend your product or service to others.
- Passives (score 7-8): These are customers who are somewhat satisfied with your product or service, but may not actively recommend it to others.
- Detractors (score 0-6): These are customers who are unlikely to recommend your product or service and may have negative feelings about it.
- Promoters (score 9-10): These are customers who are highly likely to recommend your product or service to others.
- 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:
- Promoters: 30%
- Passives: 50%
- Detractors: 20%
- Promoters: 30%
- Calculate the NPS by subtracting the percentage of detractors from the percentage of promoters. In the example above, the NPS would be:
- NPS = 30% – 20% = 10
This 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.
How to Calculate ROI
Calculating 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:
- ROI = (Net Profit / Total Investment) x 100
To calculate net profit, subtract the total costs (including marketing, sales, development, hosting, etc.) from the total revenue generated from the SaaS product.
To 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.
Once 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.
It’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.


Enhanced STAR Exemption Changes
The 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.
If 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.
Please contact Bob Comis, City Assessor at (315) 264-6362 with any questions and download more information here-Enhanced STAR brochure
Tax Roll Information
Bob 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.


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?
Now 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.
One 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.
In 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-
saving 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.
Definition of Passive Income
Passive 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.”
Creating 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.
Ways to Make Passive Income Online
The primary ways to make money online are the following:
- Build blogging websites and monetize via one of the following options:
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
Of 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.
Build 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.
Robert 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.”
As 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.
As 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.
Wealthy 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.
If 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.
Wealthy Affiliate Price
I 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:
Wealthy 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.
You 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.
The 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.
Basically 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.
The 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.
You 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.
One 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.


Reasonable Kitchen Remodeling Costs For NH
If kitchen remodeling costs have got you worried, have no fear.
Cedar 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.
The Cedar Mill Group Advantage
Our 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.
For 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.
Get A Remodeling Quote For Your Kitchen Today!
Finding 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.


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.
To 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.
When 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.
How have the vendors responded to the economic challenge, and what are the latest price changes?
- 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.
- After almost ten years without a price increase, starting with 2023, SAP increased the cost for existing support agreements by 3.3%.
- 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.
- 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.
- And the list continues.
Knowledge is Power
Understanding 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.
Despite 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.
Gartner’s Latest Forecast
According to Gartner’s latest forecast, worldwide IT spending is projected to total $4.6 trillion in 2023, an increase of 5.1% from 2022.
New spending continues to shift to cloud options, with an expected growth of 11.3% in 2023.
When 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.
Always assess alternative vendors
Organise an ‘Options Analysis’ paper to include a review of
- Platform capabilities
Request the licensing cost breakdown and organise a cost-benefit assessment
- Ensure you are utilising the software you are purchasing.
- Do not accept ‘first-year free’ buys. This software will be chargeable in the following years – and sometimes the charges are significant.
Review your architecture and optimise your deployments
Our experience has shown that you can save up to 21% on software costs by optimising your deployments.
Assess the possibility of moving to a third-party provider
If the increase is applied to your existing support agreements.
Negotiate flexible contractual terms
Focus on licensing terms, multi-year commitment, and volume usage.
Challenge the vendor
When significant price increases are applied, challenge the vendor.
They must back up their decision with financial data.
Don’t accept generic responses. Any price increase must be justifiable with detailed data.
Leverage research studies with economic indicators
There are plenty of good resources.
Focus on solid negotiation tactics
Do the research: organise a BATNA/WATNA analysis.
When 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.
If 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.


Return & Refund Policy
We 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:
Must provide proof of purchase via receipt or order number
In 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.
Once final artwork is approved and production begins, orders can no longer be cancelled.


$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.
If 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.
Services 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:
Good Faith Estimate
Under 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.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services.
You can ask any health care provider you choose for a Good Faith Estimate before you schedule a service, or at any time during treatment.
If 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.
For more information about a Good Faith Estimate, you can visit https://www.cms.gov/nosurprises.
I 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.


$45 per bottle in a straight dozen
$50 per bottle in a straight six-pack
Save up to $120 off shelf price!
Nestled in the heart of one of the Champagne region's great villages, Le
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is. Forget big brands like Mumm and Moet, Jean Pernet Brut
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Buy now and pay just $45 per bottle
for orders of a dozen bottles. That's a saving of $120 off the
shelf price. Effectively, we're throwing in two bottles free
If you're after a straight six-pack, we'll still knock a fiver off
the shelf price. You pay just $50 per bottle. Dollar
for dollar, this has to be one of the best Champagne
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(RRP - $55 per bottle Offer price - $45 per bottle in a
Pale silvery yellow in appearance. Fine, persistent bead with
very small bubbles. Alluring nose of apple, lemon zest and
grapefruit. Dry, elegant and fine. Very pure and clean, with
notes of orchard fruit and citrus. Finishes long with a
yeasty/biscuity twist. Serious Champagne for the money.
Armadale Cellars tasting note