Ms. Smith is a trusted advisor to the world’s global leaders, entrepreneurs and enterprising individuals facing complex regulatory environments, driving growth and deploying capital strategies.
She has worked to commercialize new technologies and go-to-market strategies and has served as a confidential thought partner to multi-national CEO’s on business strategy during times of mission-critical transition. As the founder of CB Capital Concierge, with access to private investors, family offices and an extensive network of strategic partners she combines her strategic business background and access to capital markets with a constellation of experts to source synergistic opportunities.
Ms. Smith earned her BS from Boston University, her MBA from New York University and completed coursework at the London School of Economics. She is a CFP® professional as well as a professionally certified coach applying decision science to executive decision-making.


Michigan State University’s Wharton Center for Performing Arts will use a $1 million gift to endow the MSU Federal Credit Union Broadway at Wharton Center Series, which will attract the best of touring Broadway shows to mid-Michigan and help fund educational initiatives.
“Giving back to our local community is one way MSUFCU fulfills our mission of helping our members achieve their dreams and the ‘people helping people’ philosophy on which credit unions were founded,” said April Clobes, executive vice president and chief operating officer for MSUFCU. “We are happy to announce the MSU Federal Credit Union Broadway at Wharton Center Endowment and to support programs that help ensure mid-Michigan is a place alive with vibrant arts and entertainment where people are proud to live, work and visit.”
MSUFCU created the endowment because it understands the economic and cultural contributions of Broadway performances to the community, Clobes said. For example, up to 40 percent of patrons attending shows come from outside the tri-county area.
“This new $1 million gift will be the core of Wharton Center’s programming and the economic engine for the center,” said Mike Brand, executive director of Wharton. “The Broadway series will generate revenue to support other programming and address capital improvements on an annual basis.”
The endowment will be managed by MSU’s Office of Investments and Financial Management. Different from other gifts, the total amount of the endowment is invested and a portion of the income will be available for spending each year while the remainder will be reinvested to grow the fund and safeguard against inflation.
Historically, MSU’s long-term investment returns have exceeded the performance of peer universities that have endowments similar in size to MSU’s, said Robert Groves, vice president for university advancement.
When the MSU Federal Credit Union Broadway at Wharton Center Endowment is fully funded, it’s expected to generate $50,000 annually to support the production, operation, marketing and education costs incurred by Wharton Center on the touring Broadway productions, he said.
“We’re very grateful to MSUFCU and its members for again stepping up to support an important component of campus cultural programming,” said MSU President Lou Anna K. Simon. “The Broadway series is something enjoyed not just by many members of the MSU community, but by many people who travel sometimes long distances to attend performances.”
The gift complements a previous $2.25 million gift made by MSUFCU to Wharton Center in 2008, which created the MSU Federal Credit Union Institute for Arts and Creativity at Wharton Center.
Today, the institute annually reaches more than 30,000 learners with enrichment opportunities to engage with the arts and with touring artists, furthering Wharton Center as a statewide resource for arts education.


The Financial Planning Association of Greater Rochester New York is the organization that brings together all the varying professions involved in the financial planning process in Greater Rochester NY. We are committed to providing the highest quality educational programs to help all of our members keep current on technical and practice management topics and be better financial planning professionals.
FPA of Greater Rochester NY Mission Statement:
- We are dedicated to the highest quality education programs to keep you current, and help you be a better professional.
- We are a network of experts you can rely on: expert planners, investment advisors, accountants, attorneys, bankers, insurance professionals who get together to discuss perspectives common to client issues.
- We are a community of professionals to support what you are doing now and support new opportunities for business and professional growth.
- We provide enjoyable and satisfying experiences to be around colleagues and pride in our community.
- We believe in building the financial planning profession because every individual benefits from sound financial planning advice.


A straight stairlift rental service is available from easystep, with a no fixed term contract, this allows you to hire the stairlift for as long or as short term that it is required, just pay as you use!
Our temporary stairlifts carry a full 24 hour call out and maintenance service which is included in your monthly rental charge, being all inclusive there are no hidden costs helping you with a fixed budget.
Straight stairlifts to rent or hire with our online survey.
Our online self survey is available for straight stairlifts to help keep our customers safe, no salesman visit and quick installation times!
- No Minimum Contract
- Fitted within days of survey
- Lifetime warranty
- Servicing and repairs included
- Unlimited call outs
Why rent a stairlift?
Renting a stairlift may be the preferred option for customers who don’t want the worry and extra expense of maintenance and servicing costs of a stairlift. Our rental scheme enables you to have all the benefits of a stairlift, while paying for it one month at a time on a rolling contract.
There are some circumstances where buying a stairlift may not be the right solution, some examples might be if a relative comes to visit or when getting over a short term illness or operation, or maybe you just want to budget with a set monthly charge.
This is where renting a stairlift from easystep could be the answer for you.
Our installation charge for a straight standard rental is £350*, this covers the cost of fitting and removal of the stairlift, and then a rental charge of £40 a month (less than £10 a week) is one of the lowest in the country with no fixed term or contract, so you can hire the stairlift for as long or as short a period as you like.
As part of the rental stairlift agreement, all servicing, maintenance and breakdowns are covered at no extra cost, so you can get on with your life and leave the worrying to us.
*subject to mileage
Standard Rental Stairlift
Deluxe Rental Stairlift


Finding affordable, accessible, and safe housing has been a challenge for residents of Saanich North and the Islands.
The issue is top of mind for many across the riding. Whether you live on the Saanich Peninsula or in the Southern Gulf Islands, a lack of housing and overall affordability is challenging the sustainability of our communities. It is a major barrier for businesses looking for employees and for communities looking for service workers. On Salt Spring Island the lack of housing is acute!
During the 2017 provincial election housing was the number one issue in every community I visited. People demanded action. Since the election, the BC NDP government has proposed controversial tax measures in an attempt to address housing affordability. The proposals are confusing as has been the roll-out.
In addition to the tax measures, the provincial government has begun an aggressive program of increasing the supply of affordable housing units, changed legislation for renters and landlords, and undertaken an extensive consultation on rental housing.
Our first Community Dialogue was on housing and we thought that so much had happened in the first year that we needed to circle back around and continue the conversation. With new legislation on the tax measures coming in the Fall legislative session, this will be an excellent opportunity to connect with your provincial representative to provide your feedback, advice, and input on the important decisions coming in the next few months.


“G & P Cotton Ginners S.A.” was founded in 1996. Ousoultzoglou family has over 120 years of experience with the first cotton ginning factory in Adana area in Turkey.
Mr. Prodromos Ousoultzoglou Senior, who passed away in 1984, started cotton ginning in Veria in 1934. In the year 1978, which was the first year that Mr. Nikos Ousoultzoglou took the leadership from his father, Prodromos, the company was exporting 60-70% of its products to the ex – Eastern countries such as Romania, Yugoslavia, Czechoslovakia and Russia and the remaining percentage of 30-40% was intended for the internal market.
During the 80s’, under the leadership of Nikos P. Ousoultzoglou, the company grows rapidly and the export needs are covered by investing in new machinery and warehouses, renting cotton ginning factories and buying greek raw cotton stocks from other ginners. By 1990, the company exports more than 20.000 tons of cotton lint to the European Union, the Balkans and the Far East.
In 1996, Mr. Nikos Ousoultzoglou invests in a new ginning factory in Kipseli Imathias, where the company is based until today.
The cotton ginning capacity increases to 500 tons of raw cotton processing per day with productivity rising to 250 tons of cotton seed and 180 tons of cotton lint. By 2012, the company exports more than 90% of its products. Mr. Prodromos Ousoultzoglou Junior and Mr. George Ousoultzoglou become active members of the company, both as Executive Directors.
As a result of the family’s efforts, the company expands its activities by opening new markets and adding new products to the company’s portfolio (Durum Wheat, Soft Wheat and Barley).
Throughout the years, the company’s values remain constant:
1) Integrity: Business Ethics, is the central moving wheel of an 120 year and 3 generation company.
2) Added value to the customer: High quality products as well as sincere and valuable personal and business relations promote win-win situations.
3) Environmental Responsibility: The company, since its early years, applies high standard protocols in the Production process. Nowadays, the company applies the Agro 2.2 protocol, maintaining and promoting environmental friendliness and traceability of the products.
4) Social Responsibility: Safe working environment and regulations, as well as respecting and helping the local community are matters of the highest importance to the company.


Dr. Mukund Rajan, is the Chairman of ECube Investment Advisors Private Limited, which focusses on Environment, Social and Governance (ESG) issues in India. ECube announced a partnership in 2019 with Quantum Advisors to invest in the mid-market space in the Indian public markets.
Prior to ECube, Dr. Rajan served for 23 years with the Tata group, where he held a number of senior executive positions. These included the first Brand Custodian of the Tata group, Chief Ethics Officer of the group, Chair of the Tata Global Sustainability Council, Member of the Group Executive Council at Tata Sons Limited, Head of Private Equity at Tata Capital, Founding Managing Partner of the Tata Opportunities Fund, and Managing Director of one of the group’s listed telecom businesses, Tata Teleservices (Maharashtra) Limited. He served on the boards of various Tata companies including Tata Teleservices, Tata Communications, Roots Corporation, Piem Hotels, Tata SIA Airlines, Tata AIG, and the TCS Foundation.
Dr. Rajan graduated from the Bachelor of Technology program at the Indian Institute of Technology, Delhi in 1989. He received a Rhodes Scholarship to study at Oxford University, where he completed a Masters and Doctorate in International Relations. His doctoral dissertation titled “Global Environmental Politics – India and the North-South Politics of Global Environmental Issues” was published by Oxford University Press in 1996. His second book, “The Brand Custodian”, was published by HarperCollins in 2019.


the following translation of our Package Travel Directive serves solely the purposes of a better understanding. Legally, only the German version is decisive.
The combination of travel services offered to you is a package tour within the meaning of the Directive (EU) 2015/2302. Therefore, you can claim all EU rights that apply to package tours. Velociped GmbH & Co. KG bears full responsibility for the proper execution of the entire package tour.
In addition, Velociped GmbH & Co. KG holds the statutory protection for the repayment of your payments and, if transport is included in the package tour, to ensure your return transportation in case of bankruptcy.
• The travelers get all the essential information on the package tour before completing the package tour contract.
• At least one contractor is always liable for the proper performance of all the complimentary contract travel services.
• The travelers receive an emergency telephone number or contact information through which they can contact the tour operator or the travel agency.
• Travelers can transfer the package tour to another person within a reasonable time and possibly at additional cost.
• The price of the package tour may only be increased if certain costs (eg fuel prices) will increase and if this is expressly provided for in the contract, and in any event no later than 20 days before the start of the package tour. If the price increase exceeds 8% of the package tour price, the traveler may withdraw from the contract. When a tour operator reserves the right to a price increase, the passenger has the right to a price reduction if the costs decrease.
• Travelers can withdraw from the contract without paying a cancellation fee and receive a full refund of all payments if one of the essential components of the package tour except for the price is significantly changed. If the operator responsible for the package tour cancels the package tour before the package tour begins, travelers are entitled to a reimbursement of costs and possibly a compensation.
• In case of exceptional circumstances, such as serious security problems at the destination which are expected to affect the package tour, travelers can withdraw from the contract before the start of the travel package tour without paying a cancellation fee.
• In addition, travelers can withdraw from the contract at any time prior to the start of the package tour in exchange for an appropriate and reasonable cancellation fee.
• If essential components of the package tour can not be carried out as agreed after the beginning of the package tour, suitable alternative arrangements shall be offered to the traveler at no extra cost. The traveler can withdraw from the contract without payment of a cancellation fee (in the Federal Republic of Germany this right is called "Termination"), if services are not provided in accordance with the contract and if this has a significant impact on the provision of the contractual package tour services and if the tour operator fails to remedy the situation.
• The traveler is entitled to a price reduction and / or compensation if the travel services are not provided or not provided properly.
• The tour operator provides the traveler assistance when the traveler is in trouble.
• In the event of insolvency of the tour operator, or – in some Member States – of the travel agent, costs shall be refunded. If the insolvency of the tour operator or, if applicable, the travel agent occurs after the start the package tour and if transportation is part of the package tour, the return transportation of the travelers is guaranteed. Velociped GmbH & Co. KG has entered into a bankruptcy protection with TourVERS Touristik-Versicherungs-Service GmbH. Travelers can contact this facility if they are denied benefits due to the insolvency of Velociped GmbH & Co. KG (TourVERS Touristik-Versicherungs-Service GmbH, Borsteler Chaussee 51, 22453 Hamburg, Tel. +49 (0)40 2442880,


In the rapidly evolving landscape of cryptocurrency, access to reliable and secure platforms is paramount. Introducing the Coinbase Browser Extension, a powerful tool designed to streamline access to Coinbase's suite of cryptocurrency services directly from your web browser. Let's delve into how this extension revolutionizes the way users interact with their digital assets.
The Coinbase Browser Extension is a feature-rich tool developed by Coinbase, a leading cryptocurrency exchange platform. It enables users to access Coinbase's services conveniently and securely without leaving their web browsing environment. Whether you're buying, selling, or managing your cryptocurrency portfolio, the Coinbase Extension puts the power of Coinbase at your fingertips.
One-Click Access to Coinbase Services: With the Coinbase Extension installed in your web browser, you can seamlessly access Coinbase's platform with just one click. This eliminates the need to navigate to the Coinbase website manually, saving you time and effort.
Real-Time Price Tracking: Stay informed about the latest cryptocurrency prices with real-time price tracking directly in your browser. The Coinbase Extension provides up-to-date price information for a wide range of cryptocurrencies, allowing you to make informed decisions about your investments.
Instant Notifications: Never miss an important market movement or trading opportunity. The Coinbase Extension delivers instant notifications about price changes, account activity, and other relevant updates, keeping you informed and empowered to take action when needed.
Secure Authentication: Security is paramount when it comes to managing your cryptocurrency assets. The Coinbase Extension ensures secure authentication by leveraging advanced encryption and authentication protocols, providing peace of mind to users.
Benefits of Coinbase Browser Extension
Convenience: The Coinbase Extension offers unparalleled convenience by allowing users to access Coinbase's services directly from their web browser. Whether you're browsing the web or conducting research, you can seamlessly manage your cryptocurrency portfolio without interrupting your workflow.
Real-Time Insights: Stay ahead of the curve with real-time insights into cryptocurrency prices and market trends. The Coinbase Extension provides up-to-date information at your fingertips, empowering you to make informed decisions about your investments.
Enhanced Security: With secure authentication and advanced encryption, the Coinbase Extension prioritizes the security of your cryptocurrency assets. Rest assured that your funds are safe and protected while using the extension.
Simplified Trading Experience: Buying, selling, and managing your cryptocurrency portfolio has never been easier. The Coinbase Extension streamlines the trading experience, allowing you to execute trades and access account information with just a few clicks.
The Coinbase Browser Extension revolutionizes the way users interact with their cryptocurrency assets. With its seamless access to Coinbase's services, real-time insights, enhanced security features, and simplified trading experience, the Coinbase Extension is a must-have tool for cryptocurrency enthusiasts and traders alike. Experience the future of cryptocurrency management with the Coinbase Browser Extension.


Go-Getters are at the center of Fetch and the ones who perform tasks in the Fetch Ecosystem. We welcome all users to participate earning money on the platform.
You set your available hours, set your rates and work on your terms.
Whether you own a Shop or sell Jewelry online, Fetch can provide more customers to your business. Think of it as an “online shop in a box”. Anything you sell, online or off you can list on the Fetch platform, which users can browse, buy and have delivered to their homes instantly using the Fetch delivery network.
Job setters are the valued users that use and trust Fetch to take care of the things they need done in a hurry.
Fetch is a mobile application based in Dublin, Ireland offering a marketplace for 24 hour services which provides a unique experience for both the customer and the employment market by providing a one-stop platform where, “Anybody can work for Everybody”.
In an age where more and more is getting done through the peer-to- peer market place, we at Fetch are committed to creating a high quality, one-stop application which will help the customer “get things done”, whilst at the same time creating employment both locally and nationally.
We are dedicated to providing customers with the highest quality of varying services, whilst offering jobseekers the opportunity to earn a living wage. We hope to create a fair and equal national marketplace for personal enterprises, services providers and large businesses.


Emergencies do not come with warning, they just happen. Moreover, they come at a time when you could be hard-pressed for cash or are yet to receive your paycheck. Unexpected hospitalization, car repairs and similar situations can crop up all of a sudden, and this can happen to anyone. Online cash advance support comes as a blessing in such situations. It helps meet your immediate need and can be secured quickly and conveniently from the safety and comfort of your home.
What Is Cash Advance?
A cash advance or payday loan is a short term loan of a week or two, and is credited to the borrower’s bank account within a couple of hours, after it is approved. The cash loan is offered by private lenders and lending institutions and hence the loan process is different from that of banks. Loan is simpler and easier to get.
There is no need for any collateral or financial document proofs, but some lenders may choose to check your paying back credibility. However this is rare.
Since cash advance support can be applied for online, it is hassle free and saves time. Also, you do not have to be physically present at the lender’s office to get the loan sanctioned.
There are certain benefits of applying for a cash advance loan, as opposed to approaching a bank for the same.
Time Saving & Hassle-Free Loan
Online payday cash advance is easy to apply for and also time-saving. Cashadvancesupport requires none to minimal documentation and has greater chances of being approved, as compared to getting a loan application approved from a bank. It is quick, reliable, and simply the easiest way to get liquid cash in hand in a matter of hours.
Instant Approval & Cash Dispersal
Unlike banks that can take weeks to process your loan, cashadvancesupport is almost instant. It takes just a couple of minutes to fill in the loan application and another few minutes to know if your request has been approved. In most situations, borrowers can receive funds directly into their bank account within hours.
Bad Credit, Not An Issue
With cash advance support, a bad credit history will not weigh down your chances of securing a cash loan. If you have a secure job, with a regular paycheck, the lender may overlook any discrepancies in your credit score. So if you have missed a repayment or two, you will not be judged as being incapable of paying back the loan. Banks would look at this otherwise, as a bad credit history is a no-no for them. Hence, cashadvancesupport is your ideal option here, if you wish for an easy to get cash loan.
No Documentation Or Faxed Application
In most cases, you are not required to submit or upload any financial documentation when you apply for a cash advance. The entire process is done online, using an online application form. You do not have to fax in a duly filled application for getting cash advance support. The hassle-free application process gives you every reason to apply for an online payday loan.
Nil Processing Fee Or Prepayment Charges
There is usually no processing fee, just the interest that is charged on the amount that you wish to borrow. If there is a processing (different lenders may have varying rules) fee, it will be a small sum. The interest is charged on a daily basis. You can pay back the cash advance support when you want, as there is no obligation as to when you must pay the loan. Also, there are no prepayment charges, if you choose to pay the payday loan well before its due date.
Get Loan Up To $1,500
You can get anywhere from $100 to $1,500 in cash advances to help meet your financial need at the moment. Your immediate emergency can be handled with the cash advance support that you can get from private lenders online. As soon as you get your paycheck or funds released, you can pay back the loan, and you will be charged interest only for the days that you used the cash advance.
Pay Your Medical Bills, Repair Car Or Use For Other Emergencies
With the ease at which one can get cash advance support, it is not difficult to overcome financial stress during sudden emergencies. Easy accessibility and speed at which loan is disbursed, makes payday loans an instant savior and ideal solution for fulfilling cash requirement at short notice.
Visit The WWW To Get CashAdvanceSupport
Cash advance support is the one and only guaranteed method for obtaining quick cash when you need it most. No financial institution will lend you money so quickly and without any documentation. You do not have to venture out or run from post to pillar in order to get your loan sanctioned. Besides, many banks have a certain lending threshold and do not oblige to sanctioning small amounts and for short periods like a week or 5 days.
Read Cash Advance Support Reviews Before Aplying Online
In fact, getting cash advance support is as easy as any other online activity. There are plenty of lenders available online that will lend you the money without much fuss. You just need to do a bit of research and find a lender, who is offering you the maximum loan and at a minimum rate of interest. Although interest rates can be high for payday loans, they are your most feasible option when it comes to borrowing money instantly.
Cash Advance Support COM Sites
There is no credit check, no bank documents, salary slips, nothing required for the process. Simply go online, choose a lender and apply for a loan. There are some websites that offer a series of lender options and you can choose one from them. So get a payday loan today, with the ease of applying through your PC or even your cell phone. Receive instant cash credits straight to your bank account, for use immediately. Don’t worry if you have a bad credit history, as you can still apply and get approved for cash advance support loan.
I needed some quick cash to buy some equipment for my business. I didn’t want to wait around for a business loan so I decided to try them out. I was able to buy what I needed within a week!
My money arrived on the very next day, and the whole process was as easy as possible. Thanks!


John Crawford Marine (JCM) owners, Matthew and Anita Hodson are active members of the boating and marine community and innately understand the impacts they have on the environment and all of its terrestrial & aquatic inhabitants. The JCM team consists of individuals with a shared love of the water – inland creeks and rivers, and the wide-open oceans. They acknowledge the existence of the day-to-day micro-environment in which they operate – presenting, selling and maintaining recreational boats.
ENERGY EFFICIENCY APPROACH
Protecting the waterways is paramount to the Company’s ethos of “respectful use”. This also transfers into the way on-land operations are carried out. As a family owned and operated business, integrating a process of respect and care for the environment is something that is achieved with a top-down management approach. Taking action to show everyone on the team, that environmental responsibility is vital for the ongoing enjoyment of what we have today.
The current owners, Matthew and Anita Hodson purchased John Crawford Marine in 2004. After watching the steady increase in operational costs continually challenging profit margins they decided to tackle the challenge head-on. Matthew and Anita decided to investigate opportunities that started with significantly reducing their electricity costs. The rest followed from there.
The first step was changing the type of power sourced, moving from mains power to self-generation. A 5-kilowatt solar power generation system was installed on the roof of the administrative building costing approximately $15,000 to purchase and install. Electricity bills decreased significantly –from $1,000 per month down to only $300 - achieving a 75% reduction in electricity costs helped to pay the system off within 3 years.
The JCM team calculated how much electricity is consumed in a general 24-hour period. They then went on to calculate the capacity of the solar generation system. The outcome of the calculation was a shortfall, so the team started to identify what uses electricity and how it can be reduced.
Improvement actions include:
1. Installing a manual timer on half of the external floodlights used to night-light the yard. These lights are on timer to turn on at 6:00pm and off at 9:30pm daily.
2. Installing daylight sensors on the alternate half of the external floodlights will turn yard lighting on at dusk and off at dawn - providing artificial lighting for security and safety requirements.
3. Investigations are continuing to source a suitable LED replacement bulbs for external floodlights. Currently 6 x 1000W bulbs could be replaced using a 100W LED substitute, though the cost to purchase the LED bulb remains cost prohibitive – at this stage. As LED continues to decrease in price, a time will come when the purchase decision is justified.
4. Workshop lighting requirements were assessed and investigations found that 1 x 60W LED light source provided sufficient light enable the replacement of 2 x 500W Halogen lights. One of the existing fixtures was moved to a better position, providing more direct light to the area where light was required, rather than supplying light into areas where light was not required.
5. Passive heating and cooling techniques are now used in the administrative office building. Air-conditioning systems are no longer turned on at the start of the day; staff arrive in the morning and open the doors and windows to allow natural breezes and provide fresh-air ventilation. Window coverings are opened or closed depending on the season and if the space needs to be heated or cooled. The office now uses only 15kW of electricity each day.
On average there are 60 boats on the yard, each with 2 x batteries, which is a total of 120 batteries at any one time. Charging these batteries is difficult and can pose a safety risk when the need arises to have them charged. Multiple boats moved around the yard, into the workshop, can be risky with customers on the lot. The workshop area becomes congested and hard to move around.
Use a mobile solar panel. Attach the solar panel to a battery in a boat. Charge it using the sun’s power without the need to move the boat. It also becomes a beacon for sustainability, seen by drive-by traffic and customers to the yard.
The JCM team has grown to acknowledge that whilst the road to sustainability starts with one step, it can be a long and windy journey. Following the changes implemented in the office and lighting system, waste and recycling was the next area of focus.
Like a lot of other businesses, JCM used to have one large commercial waste bin onsite that was emptied on a regular cycle. After completing a thorough assessment of waste streams onsite, the following recyclables where identified for recycling:
• Scrap steel
• Flares and EPIRBs
• Office paper and cardboard
Recyclers were identified and one chosen to provide a recycling service for each of the listed products. Management of the waste and recycling process has now become so easy, it virtually looks after itself.
During the drought years in Brisbane, JCM underwent a process to develop a Water Efficiency Management Plan (WEMP) for water use onsite. As a retailer of product that resides outdoors, it is important for product to be kept as clean as possible, therefore using a significant amount of water in the daily washing of the boats.
The WEMP was an opportunity for management and employees to better understand workflow processes and identify areas for improvement or change. Simple things like adding a trigger gun onto the hose automatically turned the water off when it wasn’t needed.
A rainwater tank was also installed to capture water run-off from the roofs of the workshop and office, and plumbed back into toilets and the wash bay, reducing the need for potable town water down to zero. Another unexpected benefit of switching to rain water washing is that boats washed in rainwater do not need chamois – reducing labour time by 20 to 25 minutes per boat wash.
1. Understanding that costs will continue rise. Therefore it is imperative to minimise the cost impact on the business by reducing energy consumption and minimise waste. This is achieved by establishing a culture of nurturing - energy efficiency and recycling program are adopted in daily work routines.
2. Allow staff and management to feel they are working in an environment that is proactively reducing its energy consumption and wastage; and not to feel a sense guilt if we weren’t to do something.
1. JCM is acknowledged as a conscious of user of energy.
2. Adopting sustainability practices could not take place without collaboration and partnership.
3. Financial benefits achieved - continue to grow in value.
4. JCM’s reputation is maintained for being on the forefront of marine retail dealerships.
“...it is imperative to minimise the cost impact on the business by reducing energy consumption and minimise waste”
Anita and I would like to thank the National Retailers Association (NRA) and the Australian Government - Department of Industry for their efforts in compiling this study and recognising John Crawford Marine's efforts in energy sustainability and management.


Mr. Niblack has managed HITE’s portfolios since 2013. Over this time he has formalized HITE’s investment process bringing an emphasis on proprietary modeling and analytics and has overseen the build-out of HITE’s trading infrastructure. Mr. Niblack brings unique perspective from prior generalist experience at Bain & Company in both public equities investing and private equity due diligence. He earned his MBA from the Tepper School of Business at Carnegie Mellon University in 2004, and his B.S. in Computer Science from Wheaton College (IL) in 2001.
Mr. Jampel, founder of HITE, has been trading energy securities since 2004. Over that 18-year period, he has steadily grown assets from less than $1 million to over $600 million. Prior to HITE, James co-founded RoadLink USA, North America’s largest independent intermodal trucking company at the time, which he helped manage from 1998 – 2003. From 1991 to 1998 he was a Principal at A.T Kearney Management Consulting, specializing in board-level projects for Fortune 500 transportation providers. James earned an MBA in finance from Kellogg (Northwestern) in 1991, and a BA cum laude in economics from Harvard in 1985.
Mr. Levine has been in the investment industry since 2004. Prior to joining HITE, he founded Odin River, a firm focused on short-biased, ESG investing. He was previously on the investment team at Paulson & Co., deploying more than $10bn across industries including energy and automotive. He was also previously on investment teams at Artivest, Canyon Capital, Colony Capital, and PAAMCO and began his career in Power & Energy M&A at Lehman Brothers. Mr. Levine earned a JD cum laude from Harvard Law School and an MBA with honors from Harvard Business School in 2009 and an AB summa cum laude in Philosophy and BSBA magna cum laude in Finance from Washington University in St. Louis in 2001.
Mr. Levi has 30-years of investment experience with expertise in utilities, power, natural gas and cleantech sectors and has a track record of over 20 years as a portfolio manager in these sectors. He joined the firm after spending the last nine years at ExodusPoint Capital and Millennium. Previously, he joined Brencourt in 2007. In 2001 Andrew began managing capital in the energy sector for Bear Stearns, working closely with the late John Mulheren. His career began as a sell-side utilities analyst at Morgan Stanley, Furman Selz and Credit Suisse in the 1990’s, becoming a top ranked analyst in the sector. He graduated with a BS in Finance from Fairleigh Dickinson University in 1988.


How to Help Nonprofits Qualify for Sustainability
and Ensure the Biggest Bang for the Buck!
Charitable giving is being replaced today by charitable investing, as governments, foundations, and donors increasingly look to receive the biggest bang for their buck. Those who give money now see themselves not only as stakeholders, but as shareholders in the business of cost-effectively improving the human condition. To attract and sustain support driven by bottom-line interests, nonprofits must demonstrate not just social significance, but economic value. (See "Qualify for Sustainability" below.)
Saint Wall Street LLC provides training and technical assistance via the Change Leaders Advantage to help health and human services providers prove investment worthy in today’s value-driven marketplace. Change agents become change leaders who understand, communicate, and leverage the market value of their health and human services, using our proprietary Program Return on Investment™ (PROI) model to demonstrate returns on investment for taxpayers, governments, and businesses.
PROI-trained organizations have raised $40+ million in new funding!
Saint Wall Street LLC is an SBA-approved Woman-Owned Small Business and a growing company of strategic partners and instructors strengthening the programs that strengthen people. Our innovative, practical approaches empower the health and human-services program(s) you fund or manage to transition from fundraising to value-raising and achieve sustainability in any economic climate.
Click here to see how one nonprofit organization used its
PROI case for support to demonstrate return on investment.
Saint Wall Street LLC clients include federal and state agencies, universities, national intermediaries and individual organizations across America. For the past three years, PROI has been a sustainability training initiative funded by the Office of Family Assistance under the U.S. Department of Health and Human Services' Administration for Children and Families.
The following is offered to help you begin qualifying your organization(s) for sustainability.
Qualify for Sustainability
1. What does the organization want to sustain? (The answer is not funding.) People support what they value, namely: child and family well-being; public safety and justice; and economic development. Seek to sustain the efforts that remedy these concerns and generate tremendous returns on investment for government, businesses, and community.
2. Are organization leaders investment-worthy? People favor people who lead by example. Today, grant makers expect to see nonprofit boards provide financial support, executive directors think smart vs. small, and organizations collaborate vs. compete. Exhibit sustainable leadership by adopting these approaches and others that leverage internal relationships and resources.
3. Are human impacts being measured? People want their money to make a big difference. Beyond merely reporting numbers reached and served, produce a compelling case for support that documents positive changes in human behavior and reveals the resulting cost-benefits for taxpayers and businesses.
4. Is the organization duly recognized? People prefer getting behind efforts that are well-known and highly regarded by others. Discover how to publicize successes and their value at virtually no cost, and use the positive outreach to gain much-deserved recognition and support.
5. What’s the plan to develop new revenue streams? People provide sustainable support in many ways – grants, donations, sponsorships, and purchases. Engage value-driven strategic planning to develop sustainability strategies that will satisfy the interests of those who give money and inspire multiple forms of investment (grants, donations, corporate gifts and social impact bonds, as well as earned income), for years to come.
The Change Leaders Advantage, featuring PROI:
the missing piece to sustainability for nonprofit health and human services providers


County of Henrico
Online Sales – Terms and Conditions
Acceptance of Terms and Conditions. By submitting a bid, the bidder agrees that they have read, fully understand and accept these Terms and Conditions of Online Sales, and agree to pay for and remove the property, if the bid is accepted, by the dates and times specified.
Guaranty Waiver. All property is offered for sale “Sold As Is – No Warranty” at the point shown. County of Henrico (Seller) makes no warranty, guaranty or representation of any kind, expressed or implied, as to the merchantability or fitness for any purpose of the property offered for sale. Those submitting bids are expected to examine the property and determine for themselves the information they desire concerning it. The Buyer is not entitled to any payment for loss of profit or any other money damages – special, direct, indirect, or consequential.
Conflict of Interest. In accordance with the terms of the State and Local Government Conflict of Interests Act, Virginia Code, Sections 2.2-3100 through2.2-3127, the following provisions apply to the sale of surplus County property.
(1) Employees of an agency or office, including members of their immediate family, may not participate in the purchase from the County of any property which has been declared surplus by that agency or office and which is sold by public auction or through competitive sealed bidding.
(2) Employees of the Department of General Services - Central Automotive Maintenance, as well as members of their immediate family, may not participate in the purchase from the County of any automotive equipment sold at public auction or through competitive sealed bidding.
(3) Employees of the Department of General Services - Purchasing Office, as well as members of their immediate family, may not participate in the purchase from the County of any item which is sold at public auction or through competitive sealed bidding.
(4) Any County employee, regardless of his or her position, agency, or office, who has acquired, by reason of his or her position, confidential information about the property being sold, and which information is not available to the public. May not participate in the purchase from the County of any property (about which he has acquired confidential information), which is sold at public auction or through competitive sealed bidding.
(5) All County employees may purchase property from the County, which is offered for sale at uniform prices available to the public.
(6) In paragraphs (1) through (3) above, the term "immediate family" means a spouse and any other person residing in the same household as the officer or employee, who is a dependent of the officer or employee or of whom the officer or employee is a dependent. "Dependent" means a son, daughter, father, mother, brother, sister, or other person, whether or not related by blood or marriage, if such person receives from the officer or employee, or provides to the officers or employee, more than 1/2 of his financial support.
Questions concerning the application or interpretation of the State and Local Government Conflict of Interests Act with respect to the purchase or surplus property should be directed to the office of the Commonwealth Attorney or the County Attorney.
Description Warranty. The description of property offered for sale has been compiled from available data, but there is no guaranty or warranty on the part of the County as to condition or quality, or that the property offered or a portion thereof may not be withdrawn prior to the sale. The County can furnish no service of any kind and any cost of weighing, the bidder shall assume packaging, crating, loading, or hauling unless otherwise indicated. Bidders are invited and urged to inspect the property before submitting their bid. The responsibility as to the condition of the property rests with the bidder. Under no circumstances will a refund or adjustment be made because property not coming up to the standard expected, nor will failure to inspect be considered grounds for such claim. Please note that upon removal of the property, all sales are final, no refunds, no returns, and no exchanges.
Inspection. Most items offered for sale are used and may contain defects not immediately detectable. Bidders may inspect the property prior to bidding. Property may be inspected between the hours of 8:00a.m. and 3:00p.m., Monday through Friday, excluding legal holidays. For information, please contact the agency representative listed in “Special Instructions”.
Personal and property risk. Persons attending during inspection, sale or removal of goods assume all risks of damage of or loss to person and property and specifically release the Seller and GovDeals from liability therefore. The purchaser is to assume all liability for the property after the award is made. The County will exercise its usual care for protection up to the time of removal, but will not be responsible for any loss or damage whatsoever. No property may be removed by the purchaser prior to full payment of the purchase price.
Consideration of Bid. Seller reserves the right to reject any and all bids and to withdraw from sale any of the items listed and/or to waive all technicalities.
Buyer’s Certificate. Successful bidders will receive a Buyer’s Certificate by email from GovDeals.
Buyers Premium. If a Buyers Premium is shown on the auction page bidder box, then that amount (expressed as a percentage of the final selling price) will be added to the final selling price of all items in addition to any taxes imposed.
Payment. Payment in full is due not later than 5 business days from the time and date of the Buyers Certificate. Payment must be made electronically through the GovDeals Website. Acceptable forms of payment are:
· Wire Transfer
· American Express
PayPal and Credit Card purchases are limited to below $5,000.00. If the winning bid plus applicable taxes, if any indicated, and the buyer's premium, equals more than $4,999.99, PayPal and Credit Cards may not be used. If Wire Transfer is chosen, a Wire Transfer Transaction Summary page will provide payment and account information. The Wire Transfer must be completed within 5 days.
Sales Tax. State of Virginia sales tax of 5.0% of the final purchase price will be collected at time of payment, unless successful bidder can furnish tax exemption certificate or information.
Removal. All items must be removed within 10 business days from the time and date of issuance of the Buyer’s Certificate. Purchases will be released only upon receipt of payment as specified. Successful bidders are responsible for loading and removal and any and all property awarded to them from the place where the property is located as indicated on the website and in the Buyer’s Certificate. The Buyer will make all arrangements and perform all work necessary, including packing, loading and transportation of the property. Under no circumstances will Seller assume responsibility for packing, loading or shipping. Property may be removed between the hours of 8:00 a.m. and 3:00 p.m., Monday through Friday, excluding legal holidays. Please contact in advance to schedule time for pick-up. For information, please contact the agency representative listed in “Special Instructions”. The successful bidder must assume all liability that may be incurred in connection with the removal of the property from the premises. If the purchaser does not remove the property purchased within the specified number of days after date of the award, the County of Henrico reserves the right to retain the purchase price and re-sell the property a second time, keeping any proceeds obtained.
Vehicle Titles. Seller will issue a title or certificate upon receipt of payment. Titles may be subject to any restrictions as indicated in the item description on the website. Open titles cannot be issued. County of Henrico will not issue replacement titles.
Default. Default shall include (1) failure to observe these terms and conditions; (2) failure to make good and timely payment; or (3) failure to remove all items within the specified time. Default may result in termination of the contract and suspension from participation in all future sales until the default has been cured. If the purchaser fails to pay for the property within ten (10) days the property purchased may be promptly re-sold in such manner as the Director may elect and the defaulting purchaser charged with loss to County, if any, together with all expense of the sale. Seller reserves the right to reclaim and resell all items not removed by the specified removal date.
Authority to restrict or suspend. Current and future participation in public auctions is subject to the laws governing removal and suspension. The Purchasing Manager may restrict or suspend any person or firm from participation in the public sale of county-owned property who fails to complete transactions from bid. Reasons for removal or suspension includes, but is not limited to the following reasons:
1. Failure to pay for all items awarded.
2. Failure to remove all items awarded and paid for from county property with the time allowed.


School Nutrition Program Information for School Year 2022-2023
Congress did not extend federal school meal waivers and school meals will NO LONGER BE AVAILABLE TO ALL STUDENTS FREE OF CHARGE effective at the start of the 2022-2023 school year. Households may complete an application for Free or Reduced-Price School Meals starting July 1st, 2022 or during the 2022-2023 enrollment process. The new online application can be found here, https://schoolmealsapp.ksde.org/Home/welcome/D0398 . ALL families are encouraged to fill out an application as soon as possible. Only students with approved applications, or who are directly certified, will receive free or reduced-price meals for the 2022-2023 school year. Families who do not qualify for free meals will be responsible for paying for their child(ren)'s meals at reduced or paid rates. Meal Prices for the 2022-2023 school year are as follows:
Student paid Breakfast: $2.10 Student reduced Breakfast: $0.30
Elementary paid Lunch: $3.00 Student reduced Lunch: $0.40
JH/HS paid Lunch: $3.25 Extra Milk: $0.50
Frequently Asked Questions
Q: Will school meals be free of charge for ALL students in school year (SY) 2022-23?
A: No. Congress did not extend school meal waivers and school meals will no longer be available to ALL students free of charge. Students that do not qualify for free meals will be charged for each meal they take at the beginning of school year 2022-2023.
Q: How can households apply for free or reduced-price meal benefits for SY 2022-23?
A: Households can qualify for free and reduced-price meals by filling out an application either at the district office, at your school, or by filling out the new online application https://schoolmealsapp.ksde.org/Home/welcome/D0398
Q: Is there a way for households to apply online for free and reduced-price meal benefits?
A: Yes. The online application is located here, https://schoolmealsapp.ksde.org/Home/welcome/D0398
Q: When can my household complete an application for free and reduced-price meals?
A: Applications for free and reduced-price meals will be available beginning July 1st, 2022.
Q: When will households start being charged for meals?
A: At the beginning of the 2022-2023 school year, students who do not qualify for free meals will be charged for each meal taken.
Q: Who determines the meal price for paid meals?
A: Local school boards are required to set and approve student meal prices annually.


Patriot Partners is comprised of people who desire to help fulfill the mission of BCS ... to provide excellent academic instruction that is consistent with Biblical truth and which honors the name of Christ. This is accomplished as an investment in students, through prayer and financial support.
Excellent Christian education is expensive. This is especially true in a PK-12 school that strives to provide outstanding opportunities in academics, the arts, athletics, spiritual development and in the variety of activities that complete the educational experience.
BCS wants to be a school comprising of students from all economic levels. In other words, the school seeks to make Bethesda Christian's tuition accessible to all who desire a Christian education. However, with a rising cost of living, school expenses continue to escalate year after year.
That's why BCS needs the support of Patriot Partners ... to provide a quality Christian education for our students and to provide support of the school's Financial Aid Fund. Monies contributed for financial aid are used to offset the amount of financial aid that is made available to those families who qualify through the recommendation of a third-party agency. Typically, the total financial aid need far exceeds the available funds in the Financial Aid Fund.
Your support of this important endeavor will help ensure more and more families can enjoy the critical benefits of a Christian education for their children.
How can I become a Patriot Partner?
Support for Bethesda Christian students can be provided through a one-time gift or through a commitment to give on a monthly or other regular basis during each school year. Checks may be made payable to Bethesda Christian Schools or you can pay online using our donate now option. Appreciated securities, real estate or other items of value are also accepted.
If you would like to invest in our students by becoming a Patriot Partner, please contact Mr. David Stafford in the BCS Business Office at 317-858-2820.


This year, my employer changed to a high-deductible plan to help maintain some sense of sanity with our health insurance premiums. Because my wife and I both need maintenance prescriptions to live, we began to learn how to manage deductibles and to work to keep our health-related expenses to a minimum. So I found places like GoodRx and others that help you with the cost of your medicine.
We recently exceeded our deductible and now pay 10% of the costs. So I was surprised when the cost of my Crestor was $30. You see, the cost of the Crestor before the deductible had been met was around $225 or less. I didn’t remember exactly what it was, but since I was paying more like 15% instead of 10% I thought I’d check.
GoodRx showed the drug as costing $227 at my local neighborhood Walgreens, in Collinsville, OK. This did require that I use a free coupon. So I decided to go back to Walgreens and offer them the coupon to reduce the burden on my insurance company. I was intrigued that the coupon would be worth $49. It seems a bit steep.
When I got back there, I was told that the $227 price was only if I was paying the bill. If they bill the insurance company, they bill $276. Interesting.
What do you think? Would you continue to support a business that charged your insurance company 20% more for the same drug? Would you continue to support an insurance company or vote for elected officials if they suggest that 20% is a fair price to pay for the insurance overhead, in addition to premiums? I’d appreciate your opinions below, assuming they’re civil.
You can also go here and tell Walgreens what you think. Feel free to refer to this article too. I don’t think my insurance company should pay the extra $50. I don’t care what you think about insurance companies. They don’t print the money they pay Walgreens. They collect it from us.
Note: In the end, Walgreens wasn’t charging more to the insurance company. When I got to the bottom of it, they were doing the right thing and I still use this store for my prescriptions.


Daniel’s doctoral research focused on the role of infrastructure in sustainable development. In particular, he looks at how infrastructure investments and policies can be most effectively implemented in order to achieve progress toward the UN Sustainable Development Goals and the Paris Agreement on climate change. Daniel uses engineering-based national infrastructure systems models to assess infrastructure needs in the context of uncertainty around future demographic, economic and climate change drivers in a range of international contexts, including small island and post-conflict countries.
Daniel’s research is part of the Infrastructure Transitions Research Consortium (ITRC), led by the University of Oxford. He also collaborates with the UN Office for Project Services (UNOPS) developing methodology and tools to enhance sustainability in infrastructure project delivery.
Prior to Oxford, Daniel spent nearly three years at the OECD Development Centre with a focus on economic and fiscal development in Latin America. He holds an MSc in Environmental Change and Management from Oxford, an MPhil in International Economics from Université Paris 1 Panthéon-Sorbonne and a BA from McGill University.


TOKYO, JAPAN, July 26, 2021
EdulinX Corporation (Head Office: Nishi-Shinjuku, Shinjuku-ku, Tokyo; President: Peter A. Owans), a provider of EdTech solutions for English language learning and human resources development, has announced the launch of a new e-learning course, “Finance & Accounting for Business Leaders.” The course is designed to help employers upgrade core employee skills in finance and accounting and was developed in collaboration with Itseki Group (Main office: Kanda Jinbocho, Chiyoda-ku, Tokyo; Representative: Toshiaki Susaki), a leading tax and accounting firm that provides top-notch services for global companies in Japan.
Empowering Employees with Finance Skills
“Clients often tell us that solid finance skills are one of their most critical needs for employee development,” said Peter A. Owans, CEO of EdulinX Corporation. “Our new Finance and Accounting course is designed to give employees the core skills they need on the job. Mastering these skills will also help their personal career growth.”
”Finance & Accounting for Business Leaders” teaches the fundamentals of financial accounting to those outside the accounting field, including business leaders, managers and high potential employees. The course will help students strengthen their financial literacy by introducing them to the different types of financial statements and how to conduct basic financial analysis. The course also covers financial goal setting, budgeting and performance review, as well as other essentials to effective, data-driven decision making. The course is taught through a combination of on-demand instructional videos and review tests for each lesson and can be completed in about ten hours.
Easy-to-Understand Lectures by Business Expert
Course materials include video lectures, workbooks and self-study tools to help students master essential financial concepts.
- Lectures feature Tomoya Shimada, a founder and partner of Itseki Group. Prior to founding Itseki, Shimada worked at Deloitte Tohmatsu, where he provided strategic finance and accounting services to Japanese companies ranging from large, publicly traded companies to venture-backed firms. He draws on his years of hands-on experience with financial reporting, due diligence and fraud investigations, M&A, IPOs and dealing with top management to give students a real-life view of financial statements in action.
- The instructional videos can be viewed as many times as desired. In addition, each lesson will have a review test that will check and reinforce the student’s knowledge of the material.
- The course is compatible with PC’s, smartphones, and tablets. The e-learning course can be taken anytime, anywhere, and is perfect for busy business leaders to study in their spare time.
The course, which can be accessed from the EdulinX website, is released in July, 2021.
About Itseki Group
Itseki Group is a professional firm of certified public accountants and tax accountants who provide expert accounting and tax services to global companies across Japan.
Prospera Training Solutions is a core brand of EdulinX, Japan’s leading Edtech company.
Prospera Training Solutions provides end-to-end educational technology solutions that guide organizations toward optimal performance. Our personalized on-demand learning solutions use a combination of award-winning content from trusted global partners and in-house designed courseware. Prospera Training Solutions works with clients to deploy the best practices and tools to develop talent and teams for positive change and results.
For further information please contact:
Solutions Strategy and Marketing Department


Thank you for visiting Corliss Resources, Inc's website. We hope that your visit to our site is informative and helpful. Whether you are looking at the products we offer, what products are best to use for your specific project, or how to order; we believe that we can help. If you are not finding what you're looking for, our in house sales representatives are available to assist over the phone. We also will be happy to have one of our knowledgeable and qualified sales staff members contact you.
Four generations ago, John H. ("Doc") Corliss began hauling gravel out of the back of his buckboard wagon to service his neighbors—farmers, dairymen, and homeowners. Today John Corliss's company continues to take pride in helping both large and small clients by providing quality aggregates and concrete products to customers located in the Pierce and King County areas. Be it a newlywed couple planning the foundation of their dream home or a major contractor needing to direct the flow of gravel and concrete trucks to his multi-million dollar project, Corliss Resources provides the knowledge, means and manpower to get the job done on time and on budget.
Our commitment to quality is illustrated through the pride we take in our hardworking employees, state of the art facilities, and immaculate equipment. We at CRI believe that our customers are more then just customers; they are our partners in business. Your success is our success. We take pride in going above and beyond what is expected by taking ownership in the success of your project. We are constantly striving to improve the quality of our products and the knowledge of our employee's. Corliss's employees are certified and trained in many aspects of this industry and have years of experience.
The Corliss family has been doing business in the Pierce County Communities for almost a century. We take pride in the communities in which we and our employees' families live. That is why we have been committed to donate our time and resources to development of schools and community organizations.
The Corliss Family's business began in the year 1919 when John (Doc) Corliss provided gravel from the Corliss family homestead to Henry Kaiser Paving for building State Highway No. 5 between Sumner and Buckley. Doc's son Tim with his wife Vera and their son Harry expanded into the concrete business in 1945. Since that time Harry has added gravel processing plants and concrete batch plants to Enumclaw, Puyallup, Federal Way and Kent which provides excellent service ability to South King County and Pierce County. In 2003, Harry's son Scott spearheaded the building of the state of the art facility and truck shop located at the original Sumner site which was featured in Concrete Products Magazine in August of 2004. Today Scott Corliss is the President of Corliss Resources, Inc. and he has the assistance of his two sons, Eric Corliss, V.P. of Administration and Finance and Steve Corliss, V.P. of Operations making it the fourth generation to own and operate the business.


The company can calculate the accumulated depreciation with the formula of depreciation expense plus the depreciated amount of fixed asset that the company have made so far. Depreciation expense will be calculated by the total cost of fixed assets less scrape value and divided by useful life. The original cost of the asset or its “basis” reflects all the costs to purchase the asset and put it to use for the business.A business will use one of two depreciation methods. The straight-line method calculates the depreciation at the same rate over time.
(In some instances they can take it all in the first year, under Section 179 of the tax code.) The IRS also has requirements for the types of assets that qualify. Depreciation is an accounting practice used to spread the cost of a tangible or physical asset over its useful life. Depreciation represents how much of the asset’s value has been used up in any given time period. Companies depreciate assets for both tax and accounting purposes and have several different methods to choose from.
Together, we provide innovative solutions that help F&A teams achieve shorter close cycles and better controls, enabling them to drive better decision-making across the company. Outside of the accounting world, depreciation means the decline in value of an depreciation journal entry item after purchase. In accounting, depreciation is the process of allocating the cost of an item over its anticipated useful life. This helps to ensure that company revenues are matched with the costs of assets used by a company to generate that revenue.
Now that you understand the journalizing of depreciation, we’ll next turn to look at the relationship between accumulated depreciation and depreciation expense. Some firms calculate depreciation from the middle of the month of purchase. For example, they treat an asset purchased on any day of the month as if it were purchased on the 15th day of the month. An asset purchase on September 1 would result in 3½ months of depreciation for that first year of service.
BlackLine Journal Entry Automation & Management Software
The method currently used by the IRS is the Modified Accelerated Cost Recovery System (MACRS). Like double declining, sum-of-the-years is best used with assets that lose more of their value early in their useful life. The purpose of depreciation is to allocate the cost of a fixed or tangible asset over its useful life.
- Accumulated depreciation is a contra account, meaning it is attached to another account and is used to offset the main account balance that records the total depreciation expense for a fixed asset over its life.
- Accelerate adoption and drive productivity and performance.One of the critical success drivers for any software technology is effective user training and adoption.
- Kenzie pays shipping costs of $1,500 and setup costs of $2,500, assumes a useful life of five years or 960,000 pages.
- Calculate the accumulated depreciation and net book value of the equipment at the end of the third year.
- On the other hand, the accumulated depreciation is an item on the balance sheet.
One unique feature of the double-declining-balance method is that in the first year, the estimated salvage value is not subtracted from the total asset cost before calculating the first year’s depreciation expense. However, depreciation expense is not permitted to take the book value below https://www.bookstime.com/ the estimated salvage value, as demonstrated in the following text. For example, on Jan 1, the company ABC buys a piece of equipment that costs $5,000 to use in the business operation. The company estimates that the equipment has a useful life of 5 years with zero salvage value.


*Offer valid on new 3025E Compact Tractor purchases made between 11/1/2016 and 2/28/2017. Subject to approved installment credit with John Deere Financial. Up to a 20% down payment may be required. Example: based on a purchase of $13,500 with $2,700 down payment, monthly payment of $129 at 0% APR for 84 months. Taxes, freight, set up and delivery charges could increase the monthly payment. Price and model availability vary by dealer. Valid only at participating US dealers. **Beginning 1/1/2016 all Compact Utility Tractors purchased new from an authorized John Deere Dealer come standard with a 6 year/2000 hour (whichever comes first) Powertrain Warranty. See the Limited Warranty for New John Deere Turf & Utility Equipment at dealer for details.


Shared ownership is a government initiative to assist people to get on the housing ladder with smaller deposits. This is such an important scheme that we, at Umbrella Homes, believe it deserves greater focus - with a committed estate agency who fully understand it.
Selling and buying a shared ownership property may be a little bit different, but here at Umbrella Homes we celebrate difference - and our friendly team are here to make home ownership as easy as possible.
Shared Ownership is an alternative way to buy a home with a lesser combined household income and smaller deposits.
You purchase a share in a property and pay rent to a Housing Association on the remaining share. When you can afford to increase your share, you can (a solicitor will arrange this for you) - until you are able to buy the property outright!
It couldn’t be easier.
Absolutely, it would be our pleasure!
Our friendly and approachable team are here to guide and help you each step of the way, please call our offices and we would be happy to help in any way we can.
Typically, first-time buyers or existing Shared Ownership homeowners - unless you can demonstrate that existing home is no longer suitable or sustainable.
You must have a combined household income of less than £80,000 per year (£90,000 in London) and priority is given to military personnel.
From April 2021, you can purchase as low as 10% - up to a maximum of 75% initially (this is subject to your affordability).
This depends upon the value of the property.
However, as a rough guide you can use this calculation:
Take the remaining share you are not buying then multiply it by 2.75%, and then divide by 12 to get your estimated monthly rent.
Yes, this is called ‘Staircasing’.
When you’re in a financial position to acquire additional shares, you arrange this directly with the Housing Association through a specialist solicitor. The more shares you buy, the less you pay in rent until you own outright, we can arrange this for you, just call us!
Housing Associations are non-for-profit organisations that provide communities with affordable homes.
The money they make is re-invested thus funding further projects - helping more people achieve their dreams of owning their own home.
Totally! This is the best part – it’s your home!!
Yes, you can.
If you wish to sell your property whilst still owning a share in your home, the Housing Association have the right to source a purchaser within 8 weeks. If they are unsuccessful you can market your property on the open market with an Estate Agent of your choosing.
If you have ‘staircased’ your share to 100%, then you can sell the property at a value advised by your Estate Agent like any other property.
Often yes - if you can demonstrate that your current home is no longer affordable or sustainable.
Your property must be advertised on the open market.
It is typical that service charges are applied to leasehold properties in general (including Shared Ownership properties) - particularly flats and apartments.
Service charges are applied to cover things such as communal garden maintenance, window cleaning and upkeep of communal areas etc…
This is often dependent on the type of property you buy – when buying a Shared Ownership house, then it is usually fine to have pets. Apartment blocks do not always allow pets.
It is reliant on the type of lease you have with the Housing Association, so make sure you ask this question before you buy.


Despite economic recession most small business customers do not expect a decline in revenue over the next year and expect to make additional investments in website design, search engine optimization and email marketing to expand their business, according to a survey released by Register.com
The findings highlights are
- 55% of respondents have registered more than one domain name for their business
- 41% saw more than a quarter of their total revenue from web sales
- 20% don’t know how much revenue they are getting through their site
- 70% of the respondents don’t expect their web revenue to decline despite economic conditions
- Top areas for technology investment are website design (53%), SEO (43%), and email marketing (41%).
Register.com CEO Larry Kutscher said "Having a website has become more than a luxury for small businesses and entrepreneurs, it is a necessity." Kutscher continued "Our small business customers know that investing in a great website is a more effective way to reach potential customers and stay in contact with existing clients. The response to our survey shows the result of this investment, as a majority of customers expect no decline – and many expect growth – in their web revenues over the next year."
Register.com received replies from more than 800 of its small business customers, 72% of which responded that they are an owner or partner of a small business. The survey was conducted over a three week period, April 28 – May 16, 2008.


I am extensively recognized as a leading professional in the stock market and especially at mentor you how to become your neighbor's millionaire next door. I didn't start as competent and experienced as I am now. I began knowing almost absolutely nothing. When a full service stock broker stole $85,000 from my eighty year old grandmother, I was so inexperienced in my early twenties that I could only stand by. I viewed the across the country stock brokerage safeguard the interests of the complete service broker and my grandma lost whatever.
The pain of this was so intense that it drove me to complete my Ph.D. in finance-- less than a hundred of us graduate in this degree worldwide each year due to the fact that it is so mathematically challenging. My aggravation and anger at the big abundant forces behind Wall Street drove me to become a modern master of loan. This is what you have to do-- wake up!!! Get up to the truth that you can make it as a stock financier. Get up to the fact that you manage your destiny which you can stop handing all of the control over to the Wall Street device that could definitely care less about your monetary future. This is the initial step-- take complete obligation for you earnings, savings and financial investment.
I learned years back from a pal of mine, Dr. Van Tharp, Ph.D., that if I didn't take complete duty for my investing that I would never ever progress-- I would just break the vulnerable feedback loop that enables everyone to gain from our errors. At any time you blame anyone for a financial error you destroy the chance to learn and prosper from the scenario. The easy choice you must make is to deeply, completely, strongly, and finally, state to your self, "I am the master of my universe-- I remain in control-- Wall Street has no power over my mind" is the key important change you should make in your thinking.
Some people have a peek at this website will believe that you are arrogant however just blow them off and laugh all the way to the bank. Stop listening to people-- are these meddlesome little bug a bugs in your life that so quickly nay state your financial investment dreams paying your bills or offering you loan to move ahead-- no so blow them off! They just wish to provide you bad guidance so that you fall into their exact same financial loser traps. In terms of investing become an island unto yourself and very thoroughly cultivate relationships with individuals who really do know what they are performing in investing. This is exactly what I did. I started seeking out individuals who truly understand the markets. I discovered them over time and I asked them lots of concerns.
I am extensively recognized as a leading expert in the stock market and specifically at teaching you how to become your next-door neighbor's millionaire next door. I was so inexperienced in my early twenties that I could only stand by when a complete service stock broker stole $85,000 from my More hints eighty year old granny. I saw the nationwide Homepage stock brokerage protect the interests of the complete service broker and my grandmother lost everything.
This is what you have to do-- wake up!!! Wake up to the fact that you can make it as a stock financier.


Club Fees and Lessons
Club fees are payable on a termly basis (i.e. three times per year). There are three rates based on how regularly you train:
One night per week - £100 per term
Two nights per week - £170 per term
Three nights per week - £210 per term
These fees do not include lessons or competition coaching, which are paid for separately.
For 2021/22, fees are due as follows:
Term 1 - by 24 September 2021
Term 2 - by 24 January 2022
Term 3 - by 2 May 2022
The easiest way to pay is by bank transfer or standing order. Payment details can be found in the Club Fees document linked below.
Guest fees are £12.00 per session. Students with a valid NUS card can pay £20.00 for four sessions. Lessons (when available) for non members are £0.50-£0.75 per minute.
Fees are renewed annually at the AGM.
Coaching at competitions costs £10 per competition per fencer. This is to cover the coach's expenses.
British Fencing Membership
As well as club fees, all club members need to join British Fencing. There are a number of different membership levels, from a 3 month 'introduction' membership all the way through to a full competitive licence. Details can be found on the British Fencing website linked below.
Please note, if you intend to enter any fencing competitions (including Leon Paul Junior Series or the British Youth Championships) you will need a competition level membership.


Click to read July 20, 2017 press release from State Treasurer Dale Folwell on Fiscal Year Pension Returns
FOR IMMEDIATE RELEASE
Contact: Frank Lester (919) 814-3811
July 20, 2017
Treasurer Folwell Reports 10.6 Percent Increase for Fiscal Year Pension Returns
Fund Balance Hits All-Time High during 2nd Quarter
RALEIGH, N.C. — State Treasurer Dale R. Folwell, CPA, today reported preliminary state pension fund (the Fund) returns for the second quarter of 2017 ending June 30, 2017. The Fund, comprised of the retirement plans the Department of State Treasurer manages, reported gains of 2.7 percent for the quarter. Pension fund assets were valued at $93.9 billion, up from $92.2 billion at the end of the first quarter of 2017. These figures and all of the following performance figures are reported net of all fees and expenses.
For the fiscal year ending June 30, 2017, the preliminary report indicates the Fund earned 10.6 percent. Public equity (stocks), which makes up almost 40 percent of the total fund, gained 19.0 percent. Private equity rose 9.5 percent while Non-Core Real Estate and Opportunistic Fixed Income returned 10.8 percent and 10.9 percent respectively.
The Multi-strategy portfolio rose 12.9 percent for the twelve month period. Inflation-sensitive and Diversifier investments also increased by 11.2 percent and 8.2 percent respectively. Finally, Investment-Grade Fixed Income returned a loss 0.3 percent for the same period.
“The state pension fund achieved its highest valuation ever during the second quarter of the year,” said Treasurer Folwell. “In this low interest rate environment, we are pleased our funds did so well, while at the same time, the pension fund as a whole had less exposure to risk. I want to thank those responsible for this great performance but I am cautious about returns going forward.”
Since beginning his first term in January, Treasurer Folwell has aggressively set out to reduce fees paid to Wall Street. During the last fiscal year-end report, those fees exceeded $600 million dollars while investment returns were only 0.8 percent. To date, more than $60 million in fees have been cut for a run rate during his first term of at least $240 million. In addition, Treasurer Folwell has renegotiated contracts across the divisions of the Department of State Treasurer that have saved taxpayers tens of millions of dollars.
The North Carolina Retirement Systems, the formal name for the pension fund, is the tenth largest public pension fund in the country. It provides retirement benefits and savings for more than 900,000 North Carolinians, including teachers, state employees, firefighters, police officers and other public workers. For more information, visit www.nctreasurer.com.


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Report on the Implementation of the 2019 Plan for National Economic and Social Development and on the 2020 Draft Plan for National Economic and Social Development
Delivered at the Third Session of the Thirteenth National People’s Congress on May 22, 2020
National Development and Reform Commission
The National Development and Reform Commission has been entrusted by the State Council to deliver this report on the implementation of the 2019 plan and on the 2020 draft plan for national economic and social development to the Third Session of the 13th National People’s Congress (NPC) for your deliberation. The Commission also invites comments from members of the National Committee of the Chinese People’s Political Consultative Conference (CPPCC).
I. Implementation of the 2019 Plan for National Economic and Social Development
In 2019, under the strong leadership of the Central Committee of the Communist Party of China (CPC) with Comrade Xi Jinping at its core, as well as the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, all regions and departments fully implemented the guiding principles of the 19th CPC National Congress and the second, third, and fourth plenary sessions of the 19th CPC Central Committee. We raised our consciousness of the need to maintain political integrity, think in big-picture terms, follow the leadership core, and keep in alignment; increased our confidence in the path, theory, system, and culture of socialism with Chinese characteristics; and resolutely upheld General Secretary Xi Jinping’s core position on the Party Central Committee and in the Party as a whole, and resolutely upheld the Party Central Committee’s authority and its centralized, unified leadership. We faithfully executed the decisions and plans of the Party Central Committee and the State Council, implemented the Report on the Work of the Government and the 2019 Plan for National Economic and Social Development approved at the Second Session of the 13th NPC, and adopted the NPC Financial and Economic Affairs Committee’s suggestions based on its review of the 2019 plan. We followed the general principle of pursuing progress while ensuring stability, continued to apply the new development philosophy, advanced supply-side structural reform as our main task, pursued high-quality development, and took solid steps to ensure stability on six fronts.* We coordinated efforts to maintain stable growth, promote reform, make structural adjustments, improve people’s lives, guard against risks, and maintain stability. (*The six fronts refer to employment, the financial sector, foreign trade, foreign investment, investment, and expectations.) The main targets and tasks in economic and social development for the year were accomplished, and progress in achieving the main targets listed in the 13th Five-Year Plan (2016-2020) met our expectations. All of these successes laid a crucial foundation for completing the building of a moderately prosperous society in all respects.
1. We conducted well-conceived macro regulation and kept major economic indicators within an appropriate range. We strengthened range-based, targeted, well-timed, and precision regulation, stepped up coordination between policies, and improved the management of expectations, thus promoting stable and healthy economic growth.
1) Major macroeconomic targets were achieved. China’s gross domestic product (GDP) reached 99.1 trillion yuan, an increase of 6.1%, which was consistent with the projected target. A total of 13.52 million urban jobs were created, and the year-end survey-based and registered urban unemployment rates were 5.2% and 3.62% respectively. The consumer price index (CPI) rose by 2.9%. A basic equilibrium was maintained with regard to the balance of payments, and foreign exchange reserves were kept at over US$ 3 trillion.
2) Counter-cyclical macro policy regulation proved to be effective. With the focus on cutting taxes and fees, we implemented a proactive fiscal policy with greater intensity and better performance, continued to improve the structure of government spending, and ensured sufficient funding for major areas such as the improvement of living standards. Revenue in the national general public budget was 19.04 trillion yuan, an increase of 3.8%; expenditures totaled 23.89 trillion yuan, an increase of 8.1%; and the fiscal deficit was 2.76 trillion yuan, the same as the budgeted figure. Tax and fee reductions totaled 2.36 trillion yuan over the year. We appropriately expanded the range of uses for special local government bonds and quickened the pace of bond issuance. We maintained a prudent monetary policy with an appropriate level of intensity. Counter-cyclical regulation continued to have an effect, and the credit structure continued to improve, while the credit supply to the real economy, particularly to micro and small businesses and private enterprises, was increased further. At the end of 2019, growth in the M2 money supply was 8.7%, and aggregate financing grew by 10.7%. We made greater efforts to implement the policy of prioritizing employment, as well as the policy of refunding unemployment insurance premiums, and increased support for enterprises in keeping employment stable. A stable employment situation was generally maintained with regard to key groups such as college graduates, rural migrant workers, and demobilized military personnel.
2. We moved forward with supply-side structural reform and promoted the formation of a strong domestic market. We adhered to our principles of consolidating the gains made in the five priority tasks, strengthening the dynamism of micro entities, upgrading industrial chains, and ensuring unimpeded flows in the economy. We consistently advanced industrial restructuring, and worked hard to keep circulation dynamic in order to ensure that market supply meets demand.
1) Supply-side structural reform in agriculture was advanced. We made sustained efforts to ensure sufficient grain production, maintaining total grain output at over 650 million metric tons for the fifth year in a row. We adopted a strategy for securing the supply of major agricultural products and implemented a scheme to revitalize the production of soybeans. Functional zones for grain production and protective areas for the production of major agricultural products were established. Farmland irrigation and water conservancy continued to improve, with the total area of high-quality cropland increasing by 5.33 million hectares and the total area of farmland covered by efficient water-saving irrigation increasing by 1.33 million hectares. We continued our efforts to prevent and control African swine fever and accelerate the recovery of hog production, and improved the system for the production, supply, storage, and sale of vegetables. We refined the policy for setting minimum prices for state grain purchases and the policy for guaranteeing base prices for cotton. We advanced reform of the system for the state purchase and storage of major agricultural products and the reserve system for important agricultural supplies. Cold-chain logistics and storage facilities for agricultural products witnessed rapid development. We continuously promoted industrial integration in rural areas, resulting in the establishment of 107 modern agriculture industrial parks and 210 demonstration parks for integrated industrial development in rural areas. We also accelerated the formulation and improvement of a new policy framework to support and protect agriculture.
2) Transformation and upgrading of manufacturing picked up pace. We rolled out policies and measures to promote high-quality development of the manufacturing sector and released the Catalog of Industrial Structural Adjustments (2019). We continued to employ market- and law-based methods to cut outmoded coal production capacity by around 100 million metric tons, prudently moved forward with the merging and reorganization of steel enterprises, and implemented major petrochemical projects. We organized a new series of technological transformation projects, and promoted the demonstration and application of newly-developed equipment that was made in China such as Chinese standard type-A subway cars.
3) Solid steps were taken to promote high-quality development of the service sector. We introduced policies and measures on high-quality development of the service sector and transformation and upgrading of traditional service industries, stepped up the development of new forms and new models of business, and promoted the integrated development of advanced manufacturing and modern services. We supported the development of platforms for generic technology R&D, industrial design, and the industrial internet.
4) More support was provided to help reduce costs in the real economy. The rate of value added tax (VAT) was lowered from 16% to 13% in manufacturing and several other industries, and from 10% to 9% in industries such as transportation and construction. We implemented general-benefit tax cuts for micro and small businesses, raising the VAT threshold from 30,000 yuan to 100,000 yuan in monthly sales for small-scale taxpayers. We enabled all provincial-level regions to reduce the ratio of enterprise contributions to workers’ basic old-age insurance to 16%, and extended for another year the policy of temporary reduction of premiums for unemployment insurance and workers’ compensation. We deepened reforms to liberalize interest rates, with overall financing costs being notably reduced throughout society. We settled overdue payments of 664.7 billion yuan owed by government departments and state-owned enterprises (SOEs) to private enterprises and small and medium-sized enterprises (SMEs). We further cut the number of items in the catalog of government-set business service fees, and cancelled or lowered some administrative charges. The price of electricity for general industrial and commercial businesses was cut by another 10% on average, thus reducing electricity costs for businesses by 84.6 billion yuan for the year. We helped businesses save 79 billion yuan by enabling them to buy electricity directly from power generation companies. We lowered the prices for refined oil products, natural gas city gate prices, and prices for natural gas transmission through trans-provincial pipelines, lightening the burden on consumers by approximately 65 billion yuan. Through rescinding or cutting railway charges, port charges, and civil airport charges, we helped reduce the burden on businesses by more than 10 billion yuan.
5) New growth areas in consumption that benefit the people continued to expand. We introduced several policies and measures to speed up commodity distribution and facilitate consumption, to improve the quality and expand the size of the domestic services sector, to unlock consumption potential in the areas of culture and tourism, to encourage fitness and sports consumption, and to promote the development of “internet-plus social services.” We stepped up support for nighttime consumption, and encouraged the purchase of new automobiles, home appliances, and electronic products to replace old ones. Comprehensive demonstrations for introducing e-commerce into rural areas were carried out. Express delivery depots in rural areas exceeded 30,000, thus covering 96.6% of all townships and towns. Total annual retail sales of consumer goods exceeded 40 trillion yuan, an increase of 8.0%. Total online retail sales nationwide reached 10.6 trillion yuan, an increase of 16.5%, with sales of goods increasing by 19.5% and accounting for 20.7% of the total retail sales of consumer goods. We successfully organized a series of activities for the 2019 Chinese Brands Day.
6) We appropriately expanded effective investment in key areas. We published the Regulations on Government Investment, and lowered, as appropriate, capital contribution requirements for projects in priority areas. We improved the reserve mechanisms for major projects, and actively promoted the construction of projects funded by special bonds. We carried out public-private partnership (PPP) projects in a well-regulated and orderly way, and encouraged the participation of non-governmental capital in key areas to shore up points of weakness. Out of 172 major water conservancy projects, construction has already begun on 144 projects. The Plan for Developing China’s Strengths in Transportation was published. The construction of 23 national logistics hubs was steadily advanced. The preliminary work for the Chengdu-Lhasa railway progressed steadily. Beijing Daxing International Airport began operation. The construction of large hydropower stations such as Wudongde and Baihetan was accelerated. By the end of 2019, the total length of in-service railways exceeded 139,000 kilometers, including 35,000 kilometers of high-speed rail lines, the number of civil airports in service totaled 235, the total length of power grids of 220 KV and above increased by 34,000 kilometers, and trunk oil and gas pipelines increased by 4,000 kilometers. The fixed-asset investment for the year (excluding investment by rural households) rose by 5.4%, with investment from non-governmental sources growing by 4.7%, while the composition of investment witnessed a continuous improvement, with investment in high-tech industry and the social domain up 17.3% and 13.2% respectively.


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Our Infrastructure We have developed a sprawling infrastructure in Ahmedabad, Gujarat, which sprawls over an area of 1,900 square feet. Our infrastructure is segregated into various departments such as manufacturing, production, quality control, research & development, warehousing, packaging & administrative and sales & marketing. This is done to facilitate easy operation and ensure organized handling of business operations. Besides, our infrastructure is incorporated with all the modern machinery, tools and equipment. To maintain the efficient rate of production and to keep in pace with the upcoming advancements, we frequently upgrade the machinery, tools and equipment.


We welcome general contributions and donations from those who would like to support the work of Shanti Mission America and our many programs.
If you’re too busy with work or other commitments to volunteer, a financial contribution can have great benefit in helping to develop your own karmic grace.
Shanti Mission America is a registered 501(c)(3) nonprofit organization. Your contribution is tax-deductible to the extent allowed by law. No goods or services were provided in exchange for your generous financial donation.
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