Cost of Hair Transplantation
HAIR TRANSPLANT COST
Cost is the crucial factor that can affect your decision of undergoing hair transplantation. Many people believe that hair transplant is the most expensive treatment but the fact is that it is a beneficial investment for a fuller head of hair.
Clinics offering hair restoration services differ on the basis of procedures, quality and cost, so running behind only cheap hair transplants can be a wrong decision for restoring your looks , so there is need to understand the cost factor of this surgical procedure so that you can take a rational decision.
Cost of Hair Transplant in India is not fixed; it can vary from patient to patient according to the needs and expectations. The factors that can affect the hair transplant cost in India are;
- The extent of baldness
- Area to be treated during surgery
- Number of grafts to be extracted and implanted
- Number of sessions required for compete procedure
- Cost calculating policy of clinic
- Per graft cost variation
- Selection of clinic and surgeon for treatment and the reputation of the clinic
- Method applied for transplantation
- Technology used for surgery
- Additional treatment given like PRP THERAPY however some clinics offer one free session of PRP THERAPY
- Cost can be higher if the clinic also offers the financing facility according to the rate of interest charged
So it can be said that cost can vary according to individual’s requirement for instance if a patient has level 2 or above Norwood scaling baldness, then the cost of the treatment can be higher. For Norwood scaling of level 1 or 2 baldness, cost can be less whereas it can be higher for level 3 and it is calculated per graft.
For higher levels like 5 and 7, cost of treatment is calculated in lump sum so it can be higher according to cost calculation policy of clinic
In India, cost per graft is Rs 25-30 so in total it can vary from Rs 40,000- 80,000, depending upon this range generally clinics calculate the cost by multiplying the total number of grafts transplanted with cost per grafts.
However some other costs are also included in the total cost of treatment like
- Surgeon fee
- OT charges
- Accommodation charges
- Medications given
- Documentation or registration charges
- Some clinics also add consultation fee in total cost
- In few clinics, there are also some other hidden costs included in the total cost
Options/Techniques of Hair Transplantation in India
When it comes to hair restoration options in India, there are a variety of techniques and therapeutic approaches that can be considered to restore a patient’s hair. Both these hair restoration approaches are conducted with absolute expertize and excellence to deliver the best services and natural results.
Basically, there are two techniques of hair restoration known as Follicular Unit Extraction (FUE) and Follicular Unit Transplantation (FUT). With time, these techniques have become revolutionary with the fact that there are millions of males and females who seek to restore their hair surgically.
Follicular unit transplant (FUT)
In this method surgeons extract the strip of hair bearing skin from the permanent zone of the scalp, generally taken from the back scalp. Strip of less resistant hair follicles is dissected in normal grouping of hair 1-4 and then transplanted in the bald portions according to requirement. In this method there is need to close with stitches the donor area after extraction
Follicular unit extraction (FUE)
In this method follicular units are picked and extracted individually from the donor part on the basis of best quality and then transplanted in the recipient area at adequate depth, distance and angle to give natural appearance to patient.
Generally clinics charge higher in case of FUE method.
At metro hair transplant centre, you can have affordable treatment as we provide free consultation, use technology that not only improve results but also cut down the cost of procedure.
No hidden cost is charged from the patients and you can even get a cost estimation prior to the transplantation surgery.
Our cost is calculated on the basis of the number of the grafts. We highly believe in transparency, so no hidden costs are taken from the patients. Infect patients can enjoy many benefits included in the cost
Benefits included in the cost
- Free accommodation
- Medical expenses
- Charges for all transfers
- Hair care products
- 24/ 7 care
- PRP therapy
You can get the best hair transplantation prices from us with the extra benefits of choosing India’s best centre. Choosing the certified and well known clinic can give the benefit of best treatment and care during the stay. We take care for the sterile environment and use of ISHRS approved equipment while the restoration procedures and each surgery is performed by experienced surgeon with the team of certified doctors and nurses.
The Bio-FUE technique is an advancement of FUE and PRP therapy. During the BIO-FUE procedure, the hair follicles are extracted and implanted under the FUE protocols.
The surgeon may choose to extract a patient’s blood before or after the surgery. After extracting the blood, it is introduced to the centrifugation process where a rich serum is derived.
This serum consists of a stronger healing composition that is able to stimulate more hair growth.
This serum is injected into the recipient region to attain a fuller head and pleasant hair results.
Direct Hair Implantation (DHI)
During this technique, hair follicles are individually extracted and then implanted directly without storing them in a saline solution. The procedure allows a patient to enjoy natural results since there is no strip made.
Also, there is no shaving, scalpels, or stitches.
The DHI procedure utilizes a DHI implanter to implant each hair follicle in a specific angle, direction, and depth while observing the natural hairline.
An Estimation of the Hair Transplant Cost in India
An estimation of the hair transplant cost in India can be provided as below since each patient’s hair restoration requirement differ significantly. One’s hair transplant cost may differ depending on;
- The level of hair loss or baldness
- The city, or hair transplant centre selected
- The type of technique to be used
- Premium or standard packages
- Laboratory or additional charges
- Number of sessions or sittings
All in all, Metro hair transplant centre offers cheapest hair transplant in India without compromising with the desired natural results. An estimation of the hair transplant in India can be illustrated as below;
|No.of hair follicles||FUE Technique (Rs) Cycle||FUT Technique (Rs)||No. of Sittings|
|500 & Below||45,000||40,000 & below||1|
|3600 & Above||5,00,000 & Above||4,80,000 & Above||3-|
Facts About Hair Transplantation in India
- In a survey, according to ISHRS, an increment of 64% in hair transplant procedures was realized in 2016
- Over-the-counter drugs to reverse hair loss are being foregone by at least 80% of men and women to attain hair transplant procedures for permanent hair restoration
- India is one of the leading hair transplant destinations in the world, with a tag of the “cheapest hair transplant cost in India” and technical innovations than in other countries.
- The world-class developments in the hair restoration sector like ARTAS “Robotic FUE hair transplant” are seen as ideal options for combating baldness in 80% of males and females
A Comparison of Hair Transplant Cost in India & Other Developed Countries
As we all know that the hair transplant cost is basically determined by the cost of a single graft, many patients find themselves frustrated with the total cost of their hair transplant procedure.
Before you opt to fly to another country for a hair transplant, here is an overview of the graft cost in India and in other countries .
|Technique||Cost per graft in UAE (RS)Cycle||Cost per graft in Turkey (RS)||Cost per graft in USA (RS)||Cost per graft in UK (RS)||Cost per graft in Singapore||Cost per graft in Mexico (RS)(Rs)||Cost per graft in Thailand (RS)||Cost per graft in India (RS)|
From the above-illustrated table, you are able to ascertain that the hair transplant cost in India is much more affordable and cost-effective compared to other countries.
In some cases, the cost per graft shouldn’t be the main determinant for a hair transplant since it significantly scares away patients.
The main factors that influence the hair transplant cost in India and in other countries
The following are some of the main factors that influence a hair transplant cost;
- The Country
Many of the developed countries, including the developing countries provide hair transplantation. India is recommended as the top destination for hair transplant due to technological advancement and cost-effectiveness.
- Expertise and Experience
Worldwide, India is known for its extreme expertise, dedicated surgeons, and competence. With that, India comes first in terms of medical tourism including hair transplantation. When compared to other countries like USA and UK, India’s experienced surgeons charge less, yet provide world-class services.
- Hair Transplant Centres
There are both growing and already developed hair transplant centres in India and all over the world. Developed hair transplant centres or clinics charge more than the developing centres due to popularity, facilities, and expertise.
- Techniques & Technology
Currently, the hair transplant sector is driven by technology because of the desire to attain natural results. Hair transplant centres that provide the robotic hair transplant procedures happen to charge higher prices due to the technology involved in the procedures.
- The growing market
The hair transplant sector/market is recorded to be growing at the fastest rate as compared to the last 2 decades. This is because of the high levels of hair loss and the desire to recover hair plus the natural looks.
- Persuasive packages
In India and all over the world, hair transplant centres and clinics provide various packages that depict a slight reduction in hair transplant costs. This acts as a booster for patients to attain the services.
Why get a Hair transplant in India & at Metro hair transplant centre?
- Premium expertize
- Excellent technical approaches
- There is no need to worry about the FUE cost in India due to various packages available
- Assured natural results
- No or minimal graft wastage
- Reliable speed, effectiveness, and highly experienced surgeons
Frequently Asked Questions
Whether I have to pay before the treatment?
Our payment procedure is simple and transparent that does not include any pre-payments. Patients are asked to pay at the clinic after their consultation with the operating specialist.
If you are visiting us from overseas then you can consult our specialist on phone then as per the telephonic conversation you have to pay some percentage of the treatment cost in advance for the booking of surgical date however this percentage will be adjusted at the time of full payment for the treatment.
What is mode of payment?
Cash payments are accepted and prices are quoted in Indian currency, if you want to pay in any other currency then payment can be paid as per the daily conversion rate. Even payment can be done by debit or credit card if you are from other country and want to pay by card then charge will be converted to local currency after adding the additional taxes and fees for conversion.
Are there any other hidden expenses?
We believe in transparent payments so there are not any hidden charges taken from you all the accommodation, transportation, medical and other facilities as explained above are included in cost.
Bringing cash or valuables is safe?
Without any fear you can bring your belongings as our center provides a transport facility which is safe and even while staying in room safety has been taken care of as one has to access magnetic card for visiting patient floor and room.
Is there any arrangement to stay?
Yes there is comfortable arrangement for the patients especially that visitor from locations other than local. Each patient’s room is comfortable with specially designed bed and attached bathroom. In few cases we arrange hotels without any extra cost.
How many grafts will you transplant?
Count of grafts is determined by the specialists on the basis of extent of baldness and condition of donor area. Harvesting and extracting too many grafts can lead to permanent damage of scalp so during the pre consultation session a closest estimation for grafts is given by the specialist and after the surgery exact number of implanted grafts will be given to you.
Where will my transplantation surgery take place?
The actual treatment is done in highly sterile operating room of the center with the ISHRS approved and sterile equipments. After the surgery patient can stay at the patient rooms in the same premises.
Will I need to purchase additional medication or hair care products after the transplant?
Patient will be given all the essential medication and hair care products after the treatment including the shampoo, lotion and a hat. Even package of the anti inflammatory medication will also be given; these all will be included in the quoted prices. However other products if needed can be purchased with the discount from the centre.


Differences Between Private and Public Insurance For Addiction Treatment
Despite being a manageable health condition where complete remission is possible and an increase in treatment options, the stigma surrounding mental health and substance use disorder has remained constant. Addiction affects many facets of an individual’s functioning and a good treatment program focuses on many dimensions of their life and includes any number of components that may change over the course treatment and recovery. Such components of treatment may include:
- A medically supervised detoxification
- A comprehensive medical and psychiatric screening by licensed and certified staff members
- Medications that counter the need for mood or mind-altering substances
- Cognitive behavior therapy (CBT)
- Group Therapy and peer support programs as well as family therapy
- Inpatient or outpatient clinic to long-term residential facility services
- Life skill training
Now, an effective treatment regimen that addresses prevention and relapse management, including regular monitoring of individual progress may be off-putting to many addicts because it requires some sort of payment. Additionally, obtaining insurance for drug rehab may also not seem like a financially sound thing to do, especially when the only thing they need it for is to seek treatment for addiction. According to the National Survey on Drug Use and Health, people struggling with any form of substance use disorder do not receive treatment because they lack health insurance coverage.
Addiction is considered a diagnosable and treatable disease and an essential health benefit under the new health care laws, and it is illegal for insurance companies to refuse coverage for patients because of addiction. Private insurance plans such as those offered by Aetna insurance for drug rehab, Cigna insurance for drug rehab and United insurance for drug rehab will typically cover assessments, detoxifications, outpatient treatment and inpatient or residential treatment among other services.
Such insurance plans use specialty treatment, particularly for individuals with severe alcohol and drug use disorders. Unlike group or public insurances, private insurance plans are acquired independently either through a person’s employer or member association and offer more options for various types of treatments. They fall into either HMO plans, PPO plans, and Point-of-Service plans.
Public insurance plans are state- or government-funded and are ideal for individuals who may not be able to acquire or purchase a private insurance plan such as low-income families or unemployed individuals. Private insurance plans have eligibility requirements, for instance, you either need to be on a state-funded Medicaid (government-regulated public insurance benefit) to prove that you can’t afford private insurance or are receiving Social Security Income (SSI). Individuals who are 65 and older and on Medicare, also a federally funded public insurance program, are eligible for public insurance plans to help them seek treatment for their addiction.
Note that even though covered by a private or public insurance plan for addiction treatment, the percentage paid by an insurance carrier may vary according to each state, the plan, and the treatment center. Also, some plans may cover the entire bill after deductibles, while others will only pay for part of the treatment.


In the most important news for same-sex couples since the Supreme Court struck down the Defense of Marriage Act (DOMA) in June, the Internal Revenue Service issued a press release on August 29 stating that it has ruled that, for federal tax purposes, all same-sex couples who married legally in jurisdictions that recognize their marriages will be considered married. That means that a same-sex couple who married in, say, the District of Columbia but lives in Virginia will be considered married by the IRS, even though the state of Virginia does not recognize same-sex marriages (or same-sex relationships of any sort).
In other words, married same-sex couples will have the same legal rights and obligations under the Internal Revenue Code as heterosexual couples, regardless of where that same-sex couple lives. The will have to file their 2013 taxes – jointly or separately – as married and incur the benefit or “marriage tax,” depending on their particular circumstances, of filing in that status. They will also now be able to put their same-sex spouses on their employer-provided health insurance with the two-fold tax benefit of (1) not having to pay taxes on the health insurance premium subsidy provided by their employer for their spouse’s insurance and (2) having the employee share of the health insurance premium for their spouse’s coverage, like the premium for the employee’s coverage, taken out of pre-tax income. To name a few other consequences, if a same-sex couple divorces, the couple will be able to divide, transfer, and retitle property without tax consequences, and when a spouse dies, the part of the estate going to the surviving spouse will not be subject to estate taxes.
Even before the IRS ruled on the question, it was clear that married same-sex couples living in states like Maryland and Massachusetts, which recognize their marriage, would be treated the same for tax purposes as heterosexual couples – one of the most important consequences of the Supreme Court’s decision in U.S. v. Windsor, striking down DOMA. What was not clear was whether married same-sex couples living in states that do not recognize their marriage would be considered married for federal tax purposes. For them, the IRS ruling is huge.
In its August 29 ruling, the IRS also made clear that same-sex couples who married in previous years and want to amend their tax returns to change their filing status to married can do so “for one or more prior tax years still open under the statute of limitations.” They can also seek refunds for taxes they would not have paid if their marriage had been considered legal.


DENVER, April 26, 2017 (GLOBE NEWSWIRE) -- Centennial Resource Development, Inc., together with its affiliates (“Centennial” or the “Company”) (NASDAQ:CDEV), announced today that it will report first quarter 2017 financial and operating results after the market closes for trading on May 10, 2017. Management will host an earnings conference call on May 11, 2017 at 8:00 a.m. Mountain (10:00 a.m. Eastern). Interested parties are invited to participate on the call by dialing (800) 789-3525, or (442) 268-1041 for international calls, (Conference ID: 11411705) at least 15 minutes prior to the start of the call or via the internet at www.cdevinc.com. A replay of the call will be available on Centennial's website or by phone at (855) 859-2056 (Conference ID: 11411705) for a 14-day period following the call.
About Centennial Resource Development, Inc.
Centennial Resource Development, Inc. is an independent oil and natural gas company focused on the development of unconventional oil and associated liquids-rich natural gas reserves in the Permian Basin. The Company’s assets and operations, which are held and conducted through Centennial Resource Production, LLC, are concentrated in the Delaware Basin, a sub-basin of the Permian Basin. For additional information about the Company, please visit www.cdevinc.com.
Director, Investor Relations
Centennial Resource Development


Indy Redevelopment Company Buys Deming Center for $800K
Arthur Foulkes | TRIBUNE-STAR
Core Redevelopment, an Indianapolis company that specializes in rehabilitating historic buildings for modern residential use, has purchased Terre Haute’s downtown Deming Center.
The Terre Haute Housing Authority board of directors voted earlier tonight to accept a purchase agreement with Core for $800,000.
“We are excited about the opportunity to come over and give the Deming Center its next life,” said John Watson, CEO of Core. The company will start renovations as soon as the building is vacant, he said.
Watson told the board, which approved the sale without opposition, the building will be mostly utilized as housing for Indiana State University students. The ground floor will contain commercial businesses, he said.
Presently, the Deming Center, which is at Sixth and Cherry streets, contains 109 apartment units occupied by Housing Authority tenants. The building is officially owned by the Low Income Housing Development Corp., a not-for-profit arm of the Housing Authority.
Jeff Stewart, executive director of the authority, said Deming Center tenants should be moved out of the building by the end of the year or by the end of January 2015 at the latest. Most of the tenants will be moving to Warren Village, a new Housing Authority-managed property on North 25th Street.


The Nationwide Mortgage Licensing System & Registry (“NMLS”) is the system of record for all federal registrations required of federally regulated mortgage loan originators.
Mortgage loan originators employed by federally insured or chartered institutions must meet all requirements of the federal registration process. An “active” status indicates that the mortgage loan originator currently meets all those requirements.
Chain Bridge Bank, N.A. NMLS Number: 405543.
Mortgage Loan Officer Joseph Nelson NMLS Number: 368727.
Mortgage Loan Officer Marv Stanger NMLS Number: 189967


Discover the importance of business liability insurance in safeguarding your enterprise. Get insights into coverage, benefits, and FAQs in this comprehensive guide.
In the unpredictable world of business, uncertainty is the only certainty. Every entrepreneur knows that success comes with its fair share of risks. From unexpected accidents to unforeseen lawsuits, the challenges can be daunting. This is where business liability insurance steps in as a safeguard for your enterprise. In this article, we’ll delve into the intricacies of this invaluable asset, shedding light on its significance, types, and everything you need to know to protect your business effectively.
Business Liability Insurance: An Overview
Business liability insurance, also known as commercial liability insurance, is a specialized insurance policy designed to shield your business from financial losses resulting from legal claims. These claims can arise from various sources, including accidents on your business premises, defective products, or alleged negligence by your company.
Types of Business Liability Insurance
- General Liability Insurance: This broad coverage protects your business from claims related to bodily injury, property damage, and personal injury. It’s a foundational policy for most businesses.
- Professional Liability Insurance: Also known as errors and omissions insurance, this policy is crucial for service-based businesses. It covers claims of negligence, errors, or omissions made by professionals.
- Product Liability Insurance: If your business manufactures or sells products, this insurance covers you against claims related to product defects or harm caused by your products.
- Employment Practices Liability Insurance (EPLI): EPLI safeguards your business from claims of wrongful termination, discrimination, harassment, or other employment-related issues.
- Cyber Liability Insurance: In the digital age, protecting your business from data breaches and cyber-attacks is paramount. Cyber liability insurance provides coverage for these risks.
Why You Need Business Liability Insurance
Protection Against Legal Claims
Business liability insurance is your financial shield against legal claims and lawsuits. Without it, a single lawsuit could cripple your business. With the right coverage, you can face legal challenges with confidence.
Your personal assets are at risk without liability insurance. In case of a lawsuit, your personal savings, home, or other assets could be seized to cover business-related liabilities.
Professionalism and Trust
Having business liability insurance conveys professionalism and trustworthiness to clients and partners. It shows that you’re prepared for unforeseen events and are committed to protecting stakeholders.
In some industries and locations, having liability insurance is mandatory. Ignoring these requirements can result in fines, penalties, or even business closure.
How to Choose the Right Coverage
Selecting the right business liability insurance coverage is a critical decision. It’s not a one-size-fits-all situation, as different businesses have unique needs. Here are some factors to consider:
Industry and Risk Assessment
Evaluate the specific risks associated with your industry. Some businesses are inherently riskier than others. Understanding your risks helps you tailor your coverage.
Determine the appropriate coverage limits. This should take into account potential legal costs, settlements, and damages. Underestimating this can leave you underinsured.
Choose a deductible that aligns with your budget and risk tolerance. A higher deductible often results in lower premiums but may require you to cover more of the costs in the event of a claim.
Carefully review policy exclusions. Be aware of what is not covered, as this can vary between insurance providers and policies.
Select a reputable insurance provider with experience in your industry. Research and compare quotes from multiple providers to get the best deal.
FAQs About Business Liability Insurance
1. What does business liability insurance typically cover? Business liability insurance typically covers legal expenses, settlements, and damages related to claims of bodily injury, property damage, personal injury, negligence, or product defects.
2. Is business liability insurance tax-deductible? In most cases, business liability insurance premiums are tax-deductible as a legitimate business expense. However, it’s essential to consult with a tax professional for guidance specific to your situation.
3. Are all employees covered under business liability insurance? The coverage can vary based on the policy and the type of claim. Some policies may cover all employees, while others may have specific exclusions. It’s crucial to review your policy carefully.
4. Can I combine business liability insurance with other business insurance policies? Yes, you can often bundle business liability insurance with other policies, such as property insurance or business interruption insurance. This can result in cost savings and simplified management.
5. How do I file a claim with my business liability insurance provider? To file a claim, contact your insurance provider immediately after an incident occurs. They will guide you through the process, which typically involves providing details of the claim and any supporting documentation.
6. Is business liability insurance expensive? The cost of business liability insurance varies widely depending on factors like the type of business, coverage limits, and deductible chosen. It’s an investment in your business’s protection and reputation.
In the complex world of business, mitigating risks is essential for long-term success. Business liability insurance is not just an expense; it’s a strategic investment in the security and sustainability of your enterprise. By understanding its nuances and tailoring coverage to your specific needs, you can protect your business, reassure stakeholders, and navigate the unpredictable with confidence.
Don’t leave your business vulnerable to legal and financial challenges. Explore your options, consult with insurance experts, and secure the peace of mind that business liability insurance provides.


All orders processed and shipped out in 1 to 2 business days by the # 1 e-commerce fulfillment company in the country, Fulfillment.com! Shipping is with FEDEX/SAIA and delivery in 1 to 5 business days after the shipping date.
All items are in stock in our warehouse ready to ship within 1 to 2 business days by the # 1 e-commerce fulfillment company in the country, FULFILLMENT.COM!
No, unfortunately due to ammo sales and shipping restrictions we do not sell to online retail customers in the following states: ALASKA / CALIFORNIA / CONNECTICUT / HAWAII / ILLINOIS / MASSACHUSETS / NEW JERSEY / NEW YORK.
We do sell B2B to Federal Firearms License holders in all US states (click here)
All sales are final, we cannot take ammunition or other products in return that have been in the hands of the public. Exceptions are made for defective merchandise only. In the event of receiving a product that is defective you must notify us by email within 30 days of the purchase date to firstname.lastname@example.org explaining the issue in detail with clear supporting photos attached. If deemed defective, we will either have the return made to the manufacturer for exchange or to us for an exchange or refund, our choice. All products are sold ‘AS IS’ with no warranty expressed or implied.


Shea-Porter Co-Introduces Landmark New G.I. Bill
WASHINGTON, DC – Congresswoman Carol Shea-Porter (NH-01) today co-introduced the Harry W. Colmery Veterans Educational Assistance Act of 2017, a bipartisan bill that would represent the largest update to the GI Bill since the passing of the Post-9/11 GI Bill in 2008.
“I’m proud to co-introduce today’s bipartisan bill, which is the most significant expansion of GI Bill education benefits in a decade,” said Shea-Porter. “We can never fully repay veterans and their families for their service, but expanding access to education is a good way to show our gratitude. I am especially glad this bill includes a provision I introduced earlier this year to ensure that deployed National Guard and Reserve members will qualify for the same educational benefits as those they served alongside once they return home.”
“After returning from Iraq, I relied on the Post 9-11 GI Bill to attend UNH Law the very first semester it went into effect in 2009. It is great that this bill will modernize and expand the benefits that got me where I am today to returning service members, including National Guard members and Reservists,” said Portsmouth City Councilor Josh Denton, a former Army officer.
Today’s bill represents the largest expansion of GI education benefits since the 2008 Post-9/11 GI Bill, for which Shea-Porter voted. It would extend eligibility for education assistance to National Guard and Reserve component members who served or will serve alongside active duty troops, a priority Shea-Porter has championed in the House with her Reserve Component Benefits Parity Act.
The bill also allows future GI Bill recipients to use the benefits over the course of their life, eliminating the current “use it or lose it rule” that caps eligibility for benefits at 15 years. In addition, it allows all Purple Heart recipients since 9/11 to qualify for these benefits and restores education assistance for veterans who attended for-profit colleges that folded, two provisions Shea-Porter has championed this year.
A former military spouse, Shea-Porter helped pass the 2008 Post-9/11 GI Bill, legislation that helps many of our nation's veterans pursue their education and successfully transition to civilian life. The Department of Veterans Affairs will issue approximately $13 billion in Post 9/11 GI Bill benefits to almost 900,000 individuals this year. Currently, 7,388 students across New Hampshire rely on these benefits for graduate and undergraduate degrees, vocational and technical training, on-the-job training, flight training, correspondence training, licensing and national testing programs, entrepreneurship training, and tutorial assistance [XLS]. This year, Southern New Hampshire University ranks 10th in the country for total number of GI Bill recipients, with 4,806 students receiving over $23 million in Post 9/11 GI Bill benefits, and 290 students are currently using the benefit to attend UNH’s flagship campus in Durham.


Ger Klaassen joined the European Commission in 2004, after working as economist at the International Institute for Applied Systems Analysis (IIASA). At IIASA he worked on transboundary air pollution and economic instruments, global energy scenarios, renewable energy policies and gas infrastructures. He holds a PhD in economics from the Free University in Amsterdam. He was visiting professor at Colorado College and the University of Economics and Business Administration in Vienna, teaching environmental economics and innovation. Currently he works as policy analyst on strategy and economic assessment of the Directorate General for Climate Action of the European Commission. He contributes to the economic analysis of the EU climate energy policy i.e. the macroeconomic impacts and co-benefits for air pollution.


CTTQ Co., Ltd.
Chia Tai Tianqing Pharmaceutical Group Co., Ltd. is an innovative pharmaceutical group enterprise that integrates scientific research, production and sales; a well-known R&D and production base for pharmaceuticals that work against hepatopathy and anti-tumor drugs; a national key high-tech enterprise; and a key backbone enterprise of the Lianyungang New Pharmaceutical Industry Base which operates under the National Torch Plan. It ranked 16th in the top 100 enterprises in China's pharmaceutical industry in 2018 and was the best industrial enterprise in China's pharmaceutical R&D product line in 2019 (selected and announced by the China National Pharmaceutical Industry Information Center).
CTTQ always regards scientific and technological innovation as an important strategy for corporate development, and it is one of the pharmaceutical companies that invest more in innovative pharmaceutical research in China. With the research institute as the innovation carrier, CTTQ has successively established high-level R&D platforms such as “Jiangsu new hepatopathy drug engineering technology research center”, “Post-doctoral scientific research working station”, “National enterprise technology center” and “Jiangsu key laboratory of research on antiviral targeted drugs”, and its independent innovation capability has been continuously enhanced.
With its corporate development and improvements in its R&D capabilities, the annual R&D investments of CTTQ accounts for 10-12% of annual sales revenue. At present, the company is researching 251 projects, including 74 innovative drugs, 146 generic drugs, and 31 biological drugs.
CTTQ has four production bases in Lianyungang. The preparation base has obtained the first new GMP certificate in China, and many production lines have passed the EU's cGMP certification and the USA's FDA certification. The acquisition of these certificates indicates that the enterprise's pharmaceutical production quality and management level are at the forefront of the Chinese pharmaceutical industry.
CTTQ has six major series of products in the fields of oncology, hepatopathy, respiration, infection, endocrinology and cardiovascular and cerebrovascular diseases, and has more than 20 products with annual sales of over 100 million Chinese Yuan, forming a “100 million Chinese Yuan product group”. CTTQ has also formed a unique product line in the anti-tumor and hepatopathy fields. The first new type of drug (FTND), Anlotinib Hydrochloride capsules, is the standard drug for the three-line treatment of patients with advanced non-small cell lung cancer. The company has many product lines that work against hematological tumors, and its products Decitabine (first generic), Imatinib (first generic), Dasatinib (first generic), Bortezomib, and Lenalidomide have all been put onto the market. The products that work against solid tumors, such as Capecitabine, Abiraterone, Gefitinib, etc., have also been put on the market. Respiration, antibiotics and other fields are the key directions for the future development of the enterprise. As for biological drugs, Rituximab injection, Bevacizumab injection, Adalimumab injection and Trastuzumab injection have all entered phase III clinical studies.
With regards to its future development, CTTQ will continue to maintain its leading position in the field of hepatic health, aiming at the cure of hepatitis B and contributing to the global elimination of viral hepatitis by 2030. It shall also focus on creating innovative product lines in the fields of oncology and respiration, and shall promote the shift of the enterprise from “mainly against hepatopathy” to “two cores and multiple strengths”; from chemical drugs to a “combination of chemical drugs and biological drugs”; from a “combination of innovative drugs and generic drugs” to “being led by innovative drugs”; and from “focusing on China” to “coordinated development at home and abroad”. At the same time, it shall innovate its technological approach and business models to promote the transformation and improvement of its product R&D, production technology and marketing models, thus making steady progress towards an innovative and internationalized pharmaceutical group.


KUNA is a Peruvian lifestyle brand that is inspired by the unique textile heritage of the inca culture. It becomes apparent on the wonderful colors, fabrics and the excellent quality of the natural fibers alpaca, vicuña and pima cotton. KUNA combines the skill and the traditional knowledge of the textile craftsmen of the Andes with modern technology and design. The Peruvian quality brand is part of the Inca Group, pioneer in the trade and export of alpaca products. The long experience in the selection of the precious fibers of new world camelids and the development of fine yarns help KUNA to keep control over the complete production process. Vertically integrated operations guarantee ethical business practices based on the wellbeing of man and nature throughout the whole value chain.
KUNA participates in several programs that benefit the local rural communities: Textile workshops, incentives that encourage the practice of raising alpacas, as well as the education of the local communities in the environment. For one of the projects the company donated alpaca yarn to the remote village of Llali, where we taught 117 mothers knitting techniques. This way, 750 school children received a new warm sweater while their mothers earned a salary and learned a handicraft that provides an additional source of income. Alpaca Moments is proud to bring this unique prêt-à-porter collection to Europe and Asia and we invite you to become part of the Kuna lifestyle: Feel the hands of the Andes!
Alpaca Moments guarantees knowledge, reliability, flexibility and superior quality. But above all, we take good care of our partners, their families and the local residents!


Recently, as part of a business arrangement between Student Transportation of Canada(school bus operators) and GROWMARK (supplier of biodiesel fuel), a decision was made to donate to a charity of STC’s choosing. Thank you Student Transportation of Canada for choosing Strong Start and thank you GROWMARK for your gift.
The employees of XCG Consultants Ltd. in Kitchener, as with many companies, regularly hold “dress down Fridays”, paying for the privilege of wearing casual clothing to work. The money collected is then donated to a charity chosen by the employees. Thank you Employees of XCG Consultants for your gift to Strong Start.


This offer is directed by Palyulin and Partners LLC to an unlimited number of individuals (hereinafter referred to as the Customer).
1. GENERAL REGULATIONS.
1.1 In accordance with Art. 437 of the Civil Code of the Russian Federation this document, addressed to individuals, hereinafter referred to as the “Customer”, is the official, public and irrevocable offering of Palyulin and Partners LLC, hereinafter referred to as the “Contractor”, to conclude the contract on the following terms.
1.2 Full and unconditional acceptance of this public offer is the Customer’s payment for the services offered by the Contractor in the manner specified in Section 5 of this proposal (Article 438 of the Civil Code of the Russian Federation).
1.3 Acceptance of the offer means that the Customer agrees with all the regulations of this proposal, and is tantamount to concluding an agreement on provision of services for registration activities.
2. SUBJECT OF THE AGREEMENT. TERMS OF RENDERING SERVICES
2.1. The Contractor undertakes to provide the Customer with the following services: the change of the executive body and the participant (s) in the organization (hereinafter — the Company), and the Customer undertakes to pay for the services rendered in the amount, order and terms provided for in this Agreement.
2.2. This agreement is valid for two months from the date of its signing by the parties.
2.3. In case of untimely submission of documents by the Customer or delay due to fault of registration authorities, this Agreement may be extended for a commensurate period.
3. RIGHTS AND OBLIGATIONS OF THE CONTRACTOR
3.1. The Contractor undertakes:
3.1.1. To change the executive body and the participant (s) in the Company by providing a proper report to the control bodies.
3.1.2. Provide services with proper quality.
3.1.3. Provide services in accordance with the terms of this Agreement.
3.1.4. Immediately upon the discovery of circumstances leading to the impossibility of the execution of this Agreement, to suspend the performance of the Agreement, to notify the Customer thereof and wait for 5 days from the date of sending the Customer a message. In the event that the instructions of the Customer are not received within the specified period, the Executor has the right to refuse to perform the Contract and demand compensation for the damages he received.
3.2. The Contractor has the right to involve third parties in the execution of this Agreement. The Contractor independently pays for the services of third parties in the event of their involvement in the execution of this Agreement, except for state duties, notary tariffs, postal expenses and other obligatory payments, if any.
3.3. The Contractor has the right to refuse to fulfill the obligations under this Agreement if the Customer hides significant information about the company or when the documentation is hidden.
4. RIGHTS AND OBLIGATIONS OF THE CUSTOMER
4.1. The Customer undertakes:
4.1.1. Send to the Contractor color scanned images of the certificates of state registration of the Company, the statement of the Company for tax accounting, the head of the Company and the members of the Company, as well as other internal documents of the Company required for the execution of this Contract at the request of the Contractor.
4.1.2. Pay the Contractor’s services in accordance with this Agreement.
4.1.3. During the term of this Agreement, do not enter into relations with third parties under the subject of this Treaty.
4.2. The Customer has the right to refuse to execute this Agreement by paying the Contractor the cost of the services rendered to him.
4.3. If there are shortcomings in the services rendered by the Contractor, the Customer shall indicate this in the certificate.
5. PRICE AND PAYMENT PROCEDURE FOR THE CONTRACTOR’S SERVICES
5.1. The price of the Contractor’s services under this Agreement is 70,000 (seventy thousand) rubles. 50% of the specified amount is paid by the Customer to the Contractor at the signing of this Agreement, the remaining 50% is paid by the Customer before submitting documents to the registering authority on the entry of a new participant into the Company.
6. RESPONSIBILITY OF THE PARTIES
6.1. For failure in performing or improper performance of the terms of this Agreement, the Parties shall be liable under the current legislation of the Russian Federation.
6. DISPUTE RESOLUTION ORDER, CHANGE AND TERMINATION OF THE CONTRACT
7.1. Disputes arising between the Parties in connection with the implementation of this Contract shall be resolved in the manner established by the current legislation of the Russian Federation.
7.2. This Agreement may be amended by agreement between the Parties, drawn up in writing and signed by both Parties.
7.3. This Agreement may be terminated by agreement of the Parties or on other grounds established by the current legislation of the Russian Federation and this Contract.
7.4. The Customer has the right to refuse to perform the contract at any stage.
7.5. The Contractor shall be entitled to refuse to perform the contract if the Customer violates clauses of 3.1.1 to 3.1.3. this Agreement or the occurrence of force majeure.


Company for Commercial Solar in Your Area
Make a smart investment in your property with commercial solar installations that let you harvest the benefits of renewable energy. RoofTek® is who other businesses in the area enlist for the project because we promise utmost attention to detail to bring you superior value. If you’re in your area, let us assess the work required and offer you a free quote.
Why Choose Commercial Solar Services From RoofTek®?
RoofTek® offers superior commercial solar services in your area, providing businesses with the ability to harvest the renewable energy of the sun and enhance their energy efficiency with commercial solar panels specifically designed for the demands of businesses. These panels are typically more powerful than those used on residences, enabling businesses to harness a greater amount of the sun's energy and significantly reduce their reliance on traditional power sources.
Your professionals at RoofTek® have the know-how to put commercial solar panels on facilities of all shapes and sizes. Unlike most commercial solar companies in the area, we strive to deliver unmatched speed of installation and service. We understand the value of minimizing interruptions to your commercial enterprise, which is why we work quickly to deliver a smooth and timely installation process.
Our commercial solar services adhere to an in-depth process to deliver maximum energy conversion and power for your business:
Activating The System
By picking us for your commercial solar needs, businesses in your area will benefit from our powerful and efficient solar products, experienced technicians, swift project completion, and ongoing support. We are dedicated to assisting businesses in reaching greater energy efficiency and contributing to a greener future.
Advantages of Commercial Solar Roofing
Solar roofing is the latest advancement in eco-friendly solutions for commercial properties, allowing companies to convert the sun’s power to generate enough electrical energy for their entire building. It’s no wonder so many have jumped on-board, as not only is it good for the environment, it also boosts your property value and lets you keep more of your hard-earned money that you’d otherwise spend on energy bills.
A few of the rewards you’ll get with commercial solar panels are:
- Exceptional return on your investment
- Increased jobs and economic growth
- Offers long-term savings
- Increased property value
- Lower carbon emissions
By tapping into this cutting-edge technology, you will be making an environmental impact through the use of clean, renewable energy. Following installation, there is little to no maintenance required, which means you won’t have additional costs and the system will pay for itself in the long run through a mix of tax breaks and reduced energy bills. Take advantage of the perks that solar power has to offer your commercial enterprise by reaching out to our staff today.
The RoofTek® Process
Our process is straightforward, which means our teams are efficient from the initial quote through the completed project. We value and respect our team, and together we value and respect you and appreciate the opportunity to work on your roof!
Contact your local RoofTek® and schedule an appointment with our team to assess your project. We will thoroughly review your property and created a quote for the required work.
Once we have provided our quote we work with you to come up with a suitable plan. We review your budget, options, and schedule to ensure that you are satisfied with the project.
THE COMPLETED PROJECT
Our teams get to work quickly and work efficiently so your project is completed on time, and on the agreed-upon price-point. We also clean up when the work is completed.
The Rewards of Solar Panel Installations with RoofTek®
Commercial solar panel installation services can deliver many rewards for businesses, but securing an knowledgeable team to do the task is critical for maximizing those benefits. Why should building owners contemplate going with RoofTek® for commercial solar panel installations?
- The team at RoofTek® has the expertise needed when it comes to commercial solar panel installations and we take into account every variable to guarantee they are performing ideally.
- We really value our customers and we’re always available to make sure you’re relaxed during the installation.
- RoofTek® acknowledges that communication is equally as vital to the quality of support we deliver and facilitates a better project completion overall.
Financing Available for Commercial Solar Panel Installations
A solar panel installation is a big project that involves a lot of work. Add this to the cost of the system itself, and the number can add up. However, we believe that it’s important to have the ability to get a commercial solar panel installation, and this is why RoofTek® offers financing.
In order to finance, there will be a down payment required. During the inspection process we will make some calculations to determine what this is.
When everything is factored into the project, we’ll have a solid number for the project.
Once the numbers have been determined, we can set you up on a financing plan for your commercial solar panel installation project.
WE SERVICE THE FOLLOWING CITIES AND THEIR SURROUNDING AREAS:
Find Your Local RoofTek®
We are a national company with a location near you. Whether you’re looking for a complimentary quote on our top-tier roofing services or would like permanent holiday lighting installed, reach out today and find your nearest RoofTek® team.
Call RoofTek® for Industry-Leading Commercial Solar Services
For commercial solar roofing, pick RoofTek® in your area and we will set up a time to evaluate your roof. Before we begin, we’ll talk about the work to be done and provide you with a free quote of the costs. Reach out to us to get started as soon as possible!


Negotiating a maintenance settlement can be a difficult aspect of reaching a divorce agreement.
Under South African law children have the right to receive financial maintenance. Both parents, whether married or not, are required to provide financial support for a child.
Maintenance amounts must be negotiated and finalized according to the Maintenance Act 99 of 1998 and the Children’s Act 38 of 2005. Parents are obliged to pay for their children’s upbringing. Their respective payments depend on how much each earns.
The amount paid to the primary caregiver is based on the monthly earnings of each parent and the cost of the child’s education, care and upbringing.
Maintenance orders are orders of the court. Failure to meet their obligations is a criminal offence.


Nearly all of us go to work everyday and do the exact same regimen over and over again. We work so difficult till we caught up in the regimens for years. With the income that we make every day, we try to pay all of our bills. We constantly anticipate to get a higher income, getting promo or our company running better so we can make more money. We do not recognize that when we get more income, we likewise have spent more loan on our requirements. After we work for 2, 5, or perhaps 10 years we just realize that we have remained in the rat race of our monetary troubles.
So, to be financially free is only a dream for us, we do not think that is possible. We already set our mind set that we will retire after 40 years of working and then we begin to enjoy our life after that. I do not wish to do that.
What if you can get the monetary freedom much faster than 40 years? What if I can show you how to get to financial freedom in 5 years? Wouldn't it be interesting for you?
There are couples actions to accomplish monetary freedom.
You have to get the ideal mind set. Your mind set is what you are. You have heard old saying "You Are What You Think You Are". This holds true, when you believe that you will always be bad then you will constantly be poor. When you think that you are a loser then you constantly will be a loser. When you believe that you are brief, then you constantly will be short. You see what I mean? Unless you desire to change your mind set to the favorable method, there is no other way that you can get your dream, which is Financially Complimentary. You need to believe in yourself and believe that is possible for you to accomplish financial freedom. From that kind of frame of mind, you will get various power in yourself and mindsets that will guide you up until you attain your objective.
Second, if you do have the ideal mind set, you have to change the bad routine that you have. If you don't have the money, do not invest it! Our society nowadays, has a brand name new practice that does not exist centuries earlier. We can invest our money before we earn it! That's right; I am talking about charge card. If possible, cut all the charge card that are not in utilized. We will be trap in this financial mouse trap easily with all the charge card lying around on our tables. We have to be discipline by just keep one or two credit card that we use typically only for emergency situation.
If you use your charge card, please do it in your existing budget plan, not your future spending plan. A great deal of individuals are caught due to the fact that they use their credit card based upon their 'future' spending plan.
For example, Bob just got promoted this week, and his income will be raised next month. He was so delighted about it, and after that he invests his future wage with his charge card. This is the error that we often do. In short, don't spend it up until you have it in your 'pocket'.
Third, don't put your deposit for too long. We often forget that if we put our deposit, the worth of the money will be decrease so quickly. The rates of interest that the bank provides is far less than the inflations rate each year. We always need to be clever about our money. The bank does not appreciate our loan; in reality, they made the most benefit from our cash.
We need to discover the ideal financial investment. I suggest you to go to your financial consultant request their best opinions. They will seek your requirements, and they can provide you the financial investments that appropriate to your needs.
Fourth, if we actually want to be economically totally free, we have to make a passive income. In brief you can produce a system that can works for you. The most crucial from this is that you have to set up a system that works without you.
Another method to get a passive income is that you can franchise. read the full info here Franchising nowadays has increasing enormously in the past couple of years. This industry offers the owner to adapt a system that are already being established and proven. If you don't wish to build your own system, you can buy a franchise and run it.
Lastly, you can constantly join internet marketing. Network marketing is very affordable for individuals that do not have big capital. Opening your own business or franchising a business might cost you a fortune, however internet marketing generally cost very little to begin. You can always discover a good network marketing business and stick with the business for 5 years. There you can learn how to constructed your network and attain Financial Liberty.
You can begin your own journey to your financial flexibility by start it with a little step. Hopefully this entire short article aid you understand that everyone need financial freedom, prior to you captured up into the regimens for years.


[Bitop Market Review] Crude Oil Strategy Analysis
When will oil prices rebound? Analysis of today's crude oil market!
On Friday (December 8th) during the European session, the recent oil market continues to draw attention with trading prices hovering around $70.60 per barrel. According to data released by the U.S. Energy Information Administration on Wednesday, gasoline inventories increased by 5.4 million barrels last week, reaching 223.6 million barrels, significantly surpassing the expected 1 million barrels. This unexpected increase might have exerted pressure on crude oil prices.
Chinese customs data revealed a 9% year-on-year decline in crude oil imports for November, attributed to high inventory levels, weak economic indicators, and slowed orders from independent refineries, weakening demand. On Thursday this week, the world's two largest oil-exporting nations, Saudi Arabia and Russia, urged OPEC+ member countries to collectively cut production. Meanwhile, the United States, being the largest oil-producing nation, continues to maintain high production levels. These developments are anticipated to have pressured the crude oil market. Investors need to pay attention to recent economic data releases in the U.S. and international market information.
Yesterday, crude oil prices traded at lower levels with increased volume, marking the fifth consecutive day of declines, displaying a weak downward trend. Following a period of consolidation, the unidirectional downward trend appears poised to accumulate potential downside momentum.
Considering the overall analysis, it's suggested that today's crude oil trading strategy primarily focuses on long positions after pullbacks, with shorting on high rebounds as a secondary strategy. Regarding resistance levels, attention is on the $72.0-73.0 range, while support levels are monitored around $69.0-68.0 in the short term.
Disclaimer: The article is contributed by the market analyst from Bitop market observation team. The content is solely for personal opinions and sharing. The analysis is time-sensitive and provided for reference and discussion only. It does not constitute any investment advice. The market is risky, so investing should be done cautiously.


Learn to Understand the Economy
(even if you've never paid any attention before!)
If you've always wanted to better understand all the financial news headlines, but were hesitant because you aren't really sure what so many of the terms mean...
Or you want to know how proposed economic policies could actually impact your family, but get frustrated with he said/she said debate of politicians over all of it...
If you've ever wondered, "Is this a good time to... change jobs? ... invest more? ... increase my savings? ... buy a house? ... take more or less risk?
LIVE Economic Workshops Build Knowledge...
and Knowledge Builds Confidence!
Family Finance Mom Workshops are designed to build your economic and financial knowledge to empower you with the confidence to take charge of your family's finances and investments. Instead of wondering what the best financial decisions are for your family in the current economic environment, you will be empowered with the knowledge and understanding of how the economy works, and where we are in the current economic cycle. Never again will you be forced to rely on politically motivated assessments of economic policy - you'll be informed as to how the free market economy actually works, and how proposals actually ripple through it to evaluate them for yourself.
Each one hour session includes prepared remarks, full of data, history, resources, and ends with Q&A from all of you. Download the presentation prior to our workshop to take notes, and jot down your questions.
Can't join LIVE? Don't worry. Leave your questions in the course comments, and everyone will get access to the replay of the workshop, including the Q&A session. Replay video will be posted here as soon as video is captioned.
What is a Recession? Topics
- The 5 Phases of the Economic Cycle
- What causes a recession?
- How long do recessions last?
What happens in a recession to...
- Stock market
- Housing market
- Consumer confidence
- How do we recover from recessions
6 Major Recessions of the last 100 years
- 2020 Covid Pandemic
- 2008 Great Recession
- 2001 DotCom Bubble
- 1970s Stagflation & 1980s Double Dip Recession
- 1929 Great Depression
- 1918 Spanish Flu / Post WWI Recession
Meet Meghan | Family Finance Mom
Hi y'all! My name is Meghan Rabuse...
I spent my whole childhood watching the adults in my life work incredibly hard - but constantly struggle with money.
It wasn't until my passion for math led me to a degree in Finance and Economics, followed by a career I loved as a financial analyst, that I learned it doesn't have to be that way.
When I left my career to be a SAHM to three kids of my own, I quickly recognized how many families still lived just like mine did growing up... and that I could use my passion, education, and experience to help.
We used it to get out of $60,000 in student loans EACH, and pay off our mortgage to become completely debt free! Then, I used all I learned as a hedge fund analyst investing for the wealthy and endowments to build our family's portfolio and set us up for financial freedom.
Now, I share it all with you: all I've learned over my education and career in Finance AND as a mom of 3 kids in a now totally debt-free household with a solid investment portfolio... and show you how with financial knowledge comes confidence and the ability to make better, more informed decisions for you, your family and your financial future.
... and the best part?
You can check it out for FREE if you choose...
Frequently Asked Questions
Financial Literacy Should be Accessible for ALL..
At Family Finance Mom, I believe that EVERYONE should have access to economic and financial literacy. And what is more and more evident to me every day is those who need it most, often have the least access to it.
That's why these workshops are priced to be affordable to all. The suggested price is just $12. A low, one-time expense that will build knowledge that pays dividends in your investment portfolio forever.
Limited Scholarships for FREE
But if that's not in the budget for your family right now, and you want to learn, join for FREE. A limited number of Family Finance Mom scholarships are provided by me for each workshop. Use code FFMSCHOLARSHIP at checkout to enroll for FREE.
BUY ONE, GIVE ONE for $24
If you can afford to, you can choose to BUY ONE, GIVE ONE: pay $24 to cover admission for yourself and to sponsor additional Family Finance Mom scholarships.
Together, we can make financial education possible... and accessible... for ALL!


Help the foundation to ensure that an increasing number of people around the world become able to put the best part of themselves into play.
Deciding to support the Patrizio Paoletti Foundation’s activity with a free and ongoing donation enables the effective planning of the following actions:
Deciding to support the Patrizio Paoletti Foundation’s activity with a one-time donation grants immediate assistance to the projects’ beneficiaries who need your help today.
You can deduct this donation entirely from your taxable income. The Patrizio Paoletti Foundation in fact, having the implementation of scientific research as its statutory purpose, has been included among the recipients of the provisions of Article 14, paragraph 1, of DL 35/2005. Consult the updated lists of the official gazette* here, the Paoletti Foundation is in line 157.
Do you want to know how to fill in your donation amount in your income tax return?
WHERE TO FILL IN THE DONATION AMOUNT IN THE TAX DECLARATION
730/2020: in "Box E", line E26. Then indicate code 8 in square 1.
UnicoPF/2020: in section "Box RP fees and expenses" in line RP26 "Other fees and expenses" at code 8 “Free donations to non-profit associations.....recognized foundations”
ART. 14, COMMA 1, DL 35/2005
Donations in cash or in kind made by individuals or bodies subject to corporate income tax in favor of non-profit organizations of social utility pursuant to article 10, paragraphs 1, 8 and 9, of Legislative Decree no. 460 from 4 December 1997, as well as those made in favor of associations for social promotion registered in the national register pursuant to article 7, paragraphs 1 and 2, of Law no. 383 from 7 December 2000, are deductible from the total income of the donor within the limit of ten percent of the total declared income, and in any case to a maximum of 70,000 euro per year.
Dario, Giorgia, Chiara, Michela, Luca will be able to help you clarify any doubts.
Tel. 06 8082599
from Monday to Friday 9:00-18:00 firstname.lastname@example.org
Unicredit Roma Orlando
For foreign bank transfers
SWIFT CODE: UNCRITM1704
Postal money order:
Bank account n. 36689404
Made out to Fondazione Patrizio Paoletti per
lo Sviluppo e la Comunicazione
Via Nazionale 230, 00184 Roma
You only need a signature and a code on your income tax return. In the square designated 5X1000 insert the foundation’s tax number
“For many years I’ve been following the foundation with great interest. It is an avantgarde social driving force and their solidarity initiatives and scientific activities represent a new paradigm shift and a new human awareness. Thank you for the great example that you give to the world.”
“The Patrizio Paoletti Foundation has wonderful initiatives and innovative research lines. Research and popularization go hand in hand, creating a unique approach to knowledge and change.”
“For people who are searching for ways for a world worth realizing: these ways exist and they are called love, conscience, research, development, sustainability, neuroscience, discovery of the central value of human beings and their choices in regards to a new and continuous possibility.”
The foundation’s projects are supported by intense research activity. Choose to support the work of the team of neuroscientists and pedagogists who work hard every day to understand how human beings learn and how they can improve, to perfect the educational and didactic tools that are offered to the projects’ beneficiaries.
With its educational and social projects the foundation reaches thousands of children and adults all over the world every year. Your regular donation can help to do even more to guarantee the right of education, also in the most difficult places of the planet, and to realize innovative training programs for Life Skills development of teachers, parents and social workers.
The objective of the actions implemented by the foundation is to generate change in a world of continuous evolution. Wellbeing and peace can only be reached if social relationships are improved and if each person can access the right educational tools to learn to do and to learn to live with respect towards others and the environment.


Business directories are so popular because they provide value to a wide range of users. Let’s take a quick look at how they benefit their three main stakeholders.
- Directories allow visitors to make an informed decision by making all options available in one convenient location — if someone wants to eat out, they can find all the restaurants in their town, their locations, prices, and overall ratings.
- Directories can drive more customers for the listed businesses.
- Directories have the potential to be very lucrative assets if they drive enough traffic, which is great news for the directory owner — that’s you!
Today, I’ll be providing quick tips for setting up a business directory in WordPress, but first, let’s look at four ways you can make money from one.
1. Paid Listings
Many directories charge businesses for the privilege of being featured in the directory – either one-off fees or recurring, monthly rates.
The more traffic your directory receives, the more interest you’ll get, and the more you can justify charging.
However, personally I think there are better ways to monetize a directory. Consider this: A directory is most valuable as an all-encompassing resource for one very specific need — like listing Italian restaurants in a town. The moment you start excluding businesses who won’t pay to be listed, you’re providing less value to your visitors. In the long-run, this could restrict your directory’s potential.
2. Featured Listings
The top listings in your directory will be seen the most, and, in theory, will receive the most clicks.
Most businesses will pay for the benefits that come with being featured prominently in your directory. Allocate the space at the top of your directory for featured listings, and charge a monthly fee.
3. Referral Fees
Business directories are well positioned to charge referral fees/commissions for any business they drive.
A business owner may not have the cash to pay for a spot in a directory. Put some extra cash in his wallet, though, and most will be willing to give you a cut.
Many directories will charge referral fees for the business they drive, or a fixed fee for each click generated.
4. Sell Leads
One of internet marketing’s most timeless of mantras: “the money is in the list.”
Now, in my opinion, every website should be building an email list from day one. When it comes to business directories, things are a little bit different, though.
After all, it’s difficult for you to monetize your list directly — but the businesses listed in your directory can! Essentially, every subscriber is a qualified lead that many businesses will be interested in buying.
How to Build a Business Directory in WordPress
For WordPress users looking to build a directory, you have two solutions: theme or plugin.
A directory theme will use a dedicated design suitable for a directory website, plus all the directory functionality is built-in. On the other hand, using a plugin allows you to choose any theme you want, and you can simply bolt on the directory functionality you need.
Personally, I’d go the plugin route, simple because it gives you more design options — if you use a directory theme, there are a limited number of designs to choose from.
Whichever option you choose, WPEka club members have two great solutions: WP Directory Theme and WP LocalPlus.
WP Directory Theme is a fully loaded WordPress directory theme with which you can add business listings, pin geo locations and also earn money through ads.
WP LocalPlus is a fully automated business directory plugin for WordPress. You can add reviews, business listings, coupon offers, maps and much more with this plugin.
One of the best things about creating a business directory in WordPress is that you can decide what level of competition you’re willing to take on.
The wider your directory’s reach, the more competition you’ll face. You could go hyper-targeted, focusing on one specific industry in one small town. Or, you could aim bigger and open your directory up to a variety of industries, focusing on a wider geographical area.
This makes them a great way for people of all skill levels to make money.
Do you run your own directory? Share your tips in the comments section below!
Featured image courtesy of Sohel Parvez Haque.


VUE Successfully Implements Phase 1 for Aviva Financial Advisers in 60 days
Coconut Creek, Florida, 10/27/2016 — VUE announced that they have completed the first implementation phase at Aviva Financial Advisers Pte Ltd., a licensed financial advisory firm wholly owned by Aviva Limited, a leading insurer in Singapore.
Santosh Gon, Head of Transformation at Aviva Singapore, who is leading the project, said, “We are very pleased with the effort and commitment of the VUE Software team and the delivery timeframe they have achieved. VUE’s modules will enable Aviva Financial Advisers to automate payments for advisers, increasing the firm’s efficiency and accuracy.”
Abhinav Dave, Executive Vice President of VUE Software commented, “Aviva is a great partner to work with and we really enjoyed working with their team on this project. Both companies were able to work together and successfully implement a compensation management solution in 60 days, which is the fastest producer-compensation project in VUE’s history. We look foward to implementing the other modules in the near future.”
About Aviva Financial Advisers
Aviva Financial Advisers is a licensed financial advisory firm in Singapore, wholly owned by Aviva Limited, a leading insurer in Singapore. Our experienced team of professional financial consultants is qualified, and licensed by the Monetary Authority of Singapore (MAS), to provide a wide range of financial advisory services. We work with various insurance and investment providers so that we can provide our customers access to a comprehensive range of solutions for their financial planning needs. At Aviva Financial Advisers, we are committed to conducting our business in an ethical and knowledgeable manner, with an understanding that being professional ensures our continuous success.
About VUE Software®
VUE Software is a single scalable platform built from the ground up for Insurers, MGAs, FMOs, IMOs, and Insurance Distributors who have outgrown their current tools and require greater automation for producer administration and sales processes. Founded by Computer Solutions & Software International (CSSI) over two decades ago and recently acquired by Vertafore, VUE offers configurable solutions to meet the unique needs of the Life and Annuity, Health, and Property and Casualty markets. The company leads the Distribution-Modernization movement and provides insurance organizations a solid path to revenue growth and competitive advantage, supporting multiple product types, distribution channels, and hierarchy types.


We are an Australian company who aims to help small and medium sized businesses and even professionals in Australia in providing them with reliable virtual assistants from the Philippines, to help ease their daily workload. We realised that there are some businesses just don't have enough time or the budget to employ office based staff or have enough office space for their staff.
So we asked ourselves:
Q. How can we help these businesses?
A. GO STAFF is the answer!
The Philippines is already being used by many large international companies for their call centers, back office, technical support etc. all handled by Filipinos. Aside from these large corporations saving a lot of money, they believe in the skills of the Filipino people.
English language is the primary means of communication in the Philippines. So expect a virtual assistant that is proficient in both oral and written English. Filipinos are highly-skilled, hard-working and dedicated as they value their work and income so much. As a result, they always strive to do their best and always work with great quality and standards.


Stop Smoking NOW
Literally, pay out of that old cigarette money then put $3,395 up to $8000 back in your pocket every year for the rest of your long and healthy life! (based on the average cost of a pack of cigarettes in Seattle, WA)
Our process is the most effective ever developed and has triple the success rate of expensive patches pills & gums. The difference? We combine the most advanced hypnosis techniques with a new groundbreaking neurological process to address the problem in the mind, where the habits and cravings are stored, to eliminate them completely once and for all.
Our process is completely natural with no drugs, no cravings, and no withdrawal.
Our process includes a lifetime guarantee, which means if you ever smoke or have a craving to smoke, just call or schedule online, and we will treat you again for free. How can we afford to give away free sessions for life?? Less than 5% of our clients ever require a second session.


B2B, or business-to-business, refers to commercial transactions and interactions between two companies rather than between a company and individual consumers. It encompasses the exchange of products, services, or information tailored to fulfill the needs of other businesses. B2B transactions are fundamental for enabling companies to effectively operate, grow, and thrive within their respective industries.
The Significance of B2B Transactions:
- Collaborative Partnerships: B2B transactions foster strategic collaborations and partnerships between businesses. They establish mutually beneficial relationships that enable companies to access specialized resources, expand their market reach, and drive innovation through shared expertise.
- Supply Chain Efficiency: B2B transactions enhance supply chain efficiency by facilitating seamless exchanges of goods and services among various organizations. This streamlines operations, reduces costs, and ensures timely delivery, ultimately benefitting both buyers and sellers.
- Tailored Solutions: B2B transactions allow businesses to provide customized solutions that address the unique needs and challenges of other companies. Through tailored products, services, and support, B2B interactions contribute to enhancing operational effectiveness and driving customer satisfaction.
- Accelerated Growth Opportunities: Collaborative commerce in the B2B space opens doors to new growth opportunities. By working with diverse networks of partners, businesses can gain access to untapped markets, generate new revenue streams, and expand their customer base more rapidly.
Leveraging B2B Strategies:
To make the most of B2B transactions and thrive in the interconnected business landscape, consider the following strategies:
- Understanding Customer Needs: Gain a deep understanding of your target B2B customers’ pain points, goals, and expectations. Tailor your offerings to meet their specific requirements, positioning your business as a valuable partner.
- Building Trust and Relationships: Establish trust and cultivate strong relationships with your B2B partners. Transparent communication, consistent delivery of quality products and services, and reliable support are essential in building long-term collaboration.
- Adopting Technology Solutions: Embrace technology platforms and software solutions that streamline B2B transactions, such as e-commerce portals, CRM systems, and supply chain management tools. These enable efficient communication, order processing, and data sharing among stakeholders.
- Emphasizing Value Propositions: Clearly communicate the unique value your business brings to B2B partnerships. Highlight the benefits, cost savings, and competitive advantages you offer, showcasing why other companies should choose to collaborate with you.
Increase Growth Through B2B Collaboration:
B2B transactions play a crucial role in fueling growth and prosperity across various industries. By harnessing the power of collaborative commerce, businesses can create strategic partnerships, optimize operations, and generate new avenues for expansion. Embrace the opportunities that B2B transactions present and position your company for success in today’s interconnected business world.


That’s the average amount of time that the best candidates are on the job market before being hired. That means businesses need to be agile in their recruiting process to get top-tier talent. The ones who successfully shorten their time to hire will have the advantage in today’s candidate-driven market.
What is time to hire?
Time to hire is an efficiency metric that measures how long it takes a prospective candidate to accept a job offer and complete all pre-employment screening after initially applying for a job. Note that this is slightly different from “time to fill”, which refers to the total amount of time it takes to fill an open position after a hiring manager submits a job opening for approval.
“Time to hire is really about how quickly a business can identify the right candidate, take action on hiring the person once identified, and be prepared for any obstacles that may delay the hiring process,” said Brandon Bulcroft, expert on background screenings and Director of Channel Partnerships for Vault Health: Workforce Screening.
Bulcroft says time to hire often involves back and forth between the hiring manager, assessments, and interviews with other team members. Depending on what the open position is for, and the industry, additional occupational health tests may be required, such as:
Why Time to Hire Matters for Talent Recruitment
The very best candidates are in high demand and are likely to receive multiple offers. Bulcroft says this means a hiring team has to be prepared to move fast with all of the necessary documentation in order, or else they risk losing high quality candidates – especially if prospective candidates are required to undergo various screenings and tests.
“It’s really not that different to when you’re buying a house in an extremely tight real estate market. You want to have everything ready to go when you put in your offer, otherwise you may lose out simply because someone else can move faster,” said Bulcroft.
“Your company’s time to hire can directly impact whether a candidate accepts your job offer or someone else’s.”
The time to hire metric is also an indicator of candidate experience. Most job seekers don’t want to spend months going through an interview and screening process. A better candidate experience gives companies an edge in recruiting top talent, not to mention retention over time.
How to Improve Time to Hire
Recruiting faster doesn’t mean a company needs to forego hiring standards, but it does mean companies should re-evaluate their process.
Bulcroft says the reality is that recruitment is no different than marketing, and companies need to start thinking about it as the way their brand is established in the employment marketplace.
“Hiring managers are tasked with attracting candidates, much in the same way that companies work to understand what customers want and then market products to them to drive action and revenue.
“Beyond the obvious incentives like higher salaries and better benefits, attracting candidates means improving the candidate experience from the start. Businesses that invest in shortening their time to hire are better positioned to recruit and retain the best candidates.”
There are a number of tools a company can use to shorten its time to hire, including:
- Streamlined Applicant Tracking System (ATS) and Background/Drug Screening for Candidates
- Remote I-9 verification (Section 1 & 2)
- Fluid onboarding process
- Rapid turn-around background check
- Convenient and accessible pre-employment screenings
- Result delay elimination through active retrieval processes
In today’s job market where candidates—not companies—have the upper hand, speed and transparency are key. The faster a company can secure a candidate and provide them with an expected timeline, the better.
DISCLAIMER: This article is for general information purposes only, does not constitute medical advice and is not intended to be relied upon for medical diagnosis or treatment. If you are experiencing a medical emergency, dial 911 immediately.


The District of Ka'u located on the Big Island of Hawaii is the Southern most point in the United States. The District covers over 922 square miles of sacred land including 80 miles of rough coastline on the South Eastern shore of the island. Famous for Hawaii Volcanoes National Park, Punalu'u Black Sand Beach, and Papkolea Green Sand Beach. East of Ka'u is the Puna District and to the West is South Kona District. Coffee was cultivated in Ka'u in the late 1800s. However, competition for both land and labor from the sugar cane industry led to the demise of most coffee production in Ka'u. Sugar cane was a large crop until 1996. Coffee is a relatively new emerging industry in the Ka'u district producing world class, award winning gourmet coffee.


Holiday Letting Agreement
The following words shall have the following meanings throughout this agreement:
The Property: Casa dell'Ava, Pianazzola 167. 23022 Chiavenna (SO), Italy
The Lessor: Richard and Lucy Pash, Mill Farm, Marten, Marlborough, Wiltshire. SN8 3SJ.
The Hirer: The name of the individual making the booking (lead client)
The Term or the Holiday Period: The term agreed in the booking, starting on the first day of the rental period and ending on the last day (inclusive)
The Rent: The rent agreed in the booking
The Booking: A request by the hirer to book the Property made to the Lessor by email, telephone, mail or at www.casadellava.com confirmed by the Lessor.
This RENTAL AGREEMENT comprises the particulars detailed above and the terms and conditions listed below and the booking whereby the property is let by the Lessor and taken by the hirer for the term at the rent.
Terms and conditions
The Lessor grants a licence to the hirer for the term. It is not intended to create the relationship of landlord and tenant between the parties. The licence is personal to the hirer. The property must not be used except for the purpose of a holiday by the hirer and his/her party during the term.
The Lessor permits the hirer to occupy the property for the term for the rent in Clause 2 (Prices) together with use of furnishings, kitchen equipment, crockery, glasses and bedding. The hirer must pay the rent in clause 2.
The contract between the hirer and the Lessor exists from the point at which the Lessor has received the required deposit in cleared funds and a confirmation of the booking has been issued to the hirer by the Lessor.
The rent is given in UK pounds sterling [inclusive of VAT] on the website www.casadellava.com. The price includes what the Lessor regards as reasonable use of heating, electricity and water. For heating this is 4 sacks of heating pellets per week of occupancy of the property. The price does not include transport to the property in Italy, any drinks or meals, or bath towels. Additional sacks of heating pellets cost 5 Euro each.
Payments must be made to the Lessor by cheque or electronic funds transfer or, for non-UK clients, by UK Sterling banker's draft or electronic funds transfer.
A deposit must be paid at the time of booking of 25% of the total rent for the holiday period. However, if a booking is made within 8 weeks of the start of the holiday period, the total rent must be paid at the time of booking. The full balance of the rent is payable not later than 8 weeks before the start of the holiday period and if not received by the Lessor in cleared funds the Lessor reserves the right to cancel the booking, in which case the deposit will be forfeited by the hirer.
- Hirer's Responsibilities
The hirer takes responsibility for ensuring that all members of their party are aware of and comply with this agreement. The hirer shall be responsible for any breach of this agreement by a member of their party.
The hirer is responsible for keeping and leaving the property and its fixtures and fittings in good order and in good condition. The hirer undertakes to pay for any damage and/or any losses incurred during occupation and any extra cleaning costs incurred. The decision as to whether any such damage or loss requires cleaning, repair or replacement shall be the Lessor's decision in their reasonable opinion. The Lessor shall inform the hirer of the relevant cost which the hirer shall reimburse immediately.
The hirer and members of his/her party are expected to behave responsibly, safely and respectfully. Any behaviour in the Lessor's opinion likely to cause distress, damage, injury or annoyance, will be in material breach of this contract. The Lessor reserves the right in their absolute discretion and without notice to terminate the holiday period and this licence if any hirer and his/her party behave in such a manner. In such circumstances, the Lessor will be under no obligation whatsoever to provide a refund of the rent or cleaning charge or any compensation.
If the hirer or a member of his/her party loses a key the Lessor will replace it and the hirer shall be responsible for paying the cost of having a replacement cut.
The hirer and all members of his/her party must:
- allow the Lessor or their agent to enter the property to inspect the state of it on prior appointment save in emergency when immediate access must be granted
- comply with the regulations notified to the hirer from time to time before or during the holiday period
- not do anything or permit anything to be done that would or may result in the insurance of the property becoming void or voidable or the premium on it being increased
- Group size and age
The number of persons occupying the property should not exceed six unless by prior arrangement (there is a sofa-bed in the sitting room that can accommodate an additional two people if needed). The hirer must be over the age of 18.
- Children and Babies
Babies and children are welcome. A cot, toys and childrens' dining chair are available and should be requested at the time of booking. These must be inspected for suitability for the child/baby by the hirer and used in accordance with the instructions.
Pets can be accommodated provided that the hirer agrees this beforehand with the Lessor and that the hirer takes full responsibility for the animals' cleanliness and behaviour. Under no circumstances are animals allowed to climb or sit on the furniture.
Should the hirer fail to keep the animal controlled and allow them to cause nuisance, the Lessor reserves the right to require the hirer immediately to remove the animal from the property and, at the hirer's cost, to repair or clean any damage caused or replace damaged property. The terms of clause [6.2 - repairing/replacing] shall apply.
All pet beds, bowls etc should be brought with the hirer. None are provided.
The Lessor is satisfied that the property from which its service is provided is suited to the purpose for which it is advertised and that the property will be clean and tidy on arrival of the hirer. The hirer's dislike of the property and its fixtures and fittings on grounds of size or taste cannot be accepted as grounds for compensation.
The balconies at the property are used at the risk of the hirer and his/her party. Any children or babies using the balcony must be supervised by an adult at all times.
- Arrivals and Departures
On the first day of the holiday period, the property cannot be accessed before 4pm. To ensure adequate time for preparation of rooms for arriving guests, the hirer and his/her party are asked to leave by 10am on the day of their departure. The Lessor reserves the right to charge a proportion of a further day's rent if the hirer and his/her party have not departed by 10am. Keys must be returned to the Lessor or their agent on departure.
- Lost Property
The Lessor will endeavour to return any item of lost property found in the property.
Small unclaimed items will be returned to the hirer. The Lessor reserves the right to charge the hirer for postage or transportation costs. A discretionary administration charge may also be made to cover the cost of arranging return.
Large, valuable or delicate items requiring high postage or transportation costs will be retained by the Lessor and the hirer will be informed of their discovery. Should the hirer fail to make adequate arrangements for their return, such items shall become the property of the Lessor 45 days after the hirer is informed and will be disposed of as deemed appropriate.
The Lessor is not responsible for items that are not found or are returned in a damaged state.
- Published Information
All information given by the Lessor as to accommodation, prices and services has been given in good faith. The hirer should however be aware that changes outside the Lessor's control might occur between publication of this information and the start of the holiday period. Information that is inadvertently incorrect cannot be accepted as grounds for compensation.
- Alterations to holidays
Wherever possible, the Lessor will attempt to accommodate the hirer's request for alterations to bookings, but these will only be accommodated subject to availability. Such requests can only be made by the hirer.
It is unlikely that the owner will have to make changes to the hirer's booking. Such changes are likely to be minor and the hirer will be advised of such changes at the earliest possible occasion. Should a major change occur, the following alternatives will be offered:
- Accepting the change offered
- Taking an alternative booking date with the Lessor
- Full refund of the rent and deposit
The hirer is the only person authorised to make a cancellation on behalf of a party. Cancellation more than 8 weeks before the commencement of the holiday will result in loss of the deposit which will be retained by the Lessor. After this period (after payment of the balance of the rent) the full amount will be lost and retained by the Lessor. (Make sure that you are insured - see below). If the Lessor is able to resell the term in question, the hirer may be entitled to a part refund, taking account of the price for which it is resold and administration costs.
It is the responsibility of the hirer to ensure that every member of the holiday party is covered by adequate holiday insurance. At the time of payment of the balance of the rent, the hirer will be required to confirm that this has been arranged.
- Force Majeure
For the purposes of cancellation or alteration of a rental booking provided by the Lessor, "force majeure" is any event outside the Lessor's control including (but not limited to) war, political unrest, extreme weather, acts of God, epidemics, riots, civil strife, strikes, industrial disputes, terrorist activity, natural/technical disasters and closure of ports/airports.
Complaints concerning any aspect of this contract will be treated with the utmost seriousness and the Lessor will attempt to resolve the matter quickly. Any complaint must initially be made immediately, during the course of the holiday period by telephone in order to give the Lessor a chance to resolve the matter. The Lessor will attempt to take action to remedy your situation as soon as practicable.
- Disputes and Governing Law
This contract exists under the terms of English Law and both parties shall submit to the non-exclusive jurisdiction of the English Courts. In the unlikely result that any dispute arising out of a holiday cannot be amicably resolved, the Lessor reserves the right to refer the dispute to mediation or arbitration prior to further legal action.
Any notice to be served on the hirer under this agreement may be given:
- During the holiday period by delivery through the letterbox or putting under the front door of the property and shall be deemed to have been received upon the expiration of 24 hours after service
- Before or after the holiday period by sending recorded delivery mail to the hirer at his/her address as notified to the Lessor and shall be deemed to have been received upon the expiration of 48 hours after posting


If you have a fast food business in a corporate area, your sales will come mostly at lunch and they'll come fast. Your success will depend on how many customers you can serve in that short 1-1.5 hour period. Your staff should be trained for speed, but speed that doesn't exclude courteous customer service and upselling.
Your point-of-sale (POS) system can generate a variety of reports that can help you monitor your sales staff's performance, as well as identify opportunities for improvement. It's essential that each of your sales people has their unique login for using the POS system. You can then easily track key performance indicators (KPIs), such as total customer count, customer count per hour, total sales and average sale per transaction.
Speed of service
The POS report can help you identify the best-performing team members, as well as the ones that are lagging behind. If someone is not serving nearly as many customers as the rest of the team members, it's a sign that the manager needs to pay attention at how this person is doing things. Are they slower because their work station is not organised? Are they following the right systems? What are the best-performing people on your team doing differently? How can you train your non-performers to do the same?
Comparing your staff's sale per transaction will give you an indication whether or not a sales person is upselling successfully. If they are not, they may need more training or they simply need to be reminded that upselling is expected of them. You can automate reminders by programming your POS system to prompt your staff to ask the customer more questions before closing the sale.
Don't lose sight of the big picture
It's important to look at the KPIs in combination and not only individually. Sometimes upselling can come at the cost of spending more time with one person and losing other customers that don't want to wait. In this case someone good at upselling will have higher sales per transaction, but lower customer count and lower total sales than a team member that serves fast. Comparing all KPIs will determine the best strategy for your business and the best way to train your staff for highest sales. You can even introduce different strategies for the lunch rush and other times. When the business is slower, the staff will have more time to have a conversation with the customers, build a relationship and encourage them to buy more.