The CHBA-NL has submitted a comprehensive proposal for the Canada Job Grant, which we are currently negotiating with the province. The proposal is based on identifying 20 member companies and their training needs whereby the CHBA-NL will facilitate training through a variety of modules in partnership with Keyin College. The training modules include:
Energy Efficiency Boot Camp
EnerGuide for new and existing homes
Administration Boot Camp
Finance and Accounting
Human Resource (attraction and retention of labour)
Technical Boot Camp
Framing Technician Program
Drywall and Plastering
Windows and Doors
Shingling and Roofing
The objective of our proposal is to stimulate increased employer involvement in all aspects of training through the Canada Job Grant. Employers, as primary stakeholders, have an interest in ensuring the long-term success of this program. This is especially true given the residential construction industry is an unregulated one where a lack of expertise can have devastating impacts.
As a result, the CHBA-NL intends to use this opportunity as another means to enhance the professionalism of the industry, as it has evolved and changed at a rapid rate. It is understood that by strengthening the capacities of the workforce, productivity will be immeasurably enhanced. By professionalizing the workforce, there should be a reduction in turnover, which may help stabilize labour costs associated with home-building.
As a result of favourable discussions with the province, we are now seeking 20 member companies interested in identifying training needs and accessing skills training for new and existing employees. The Association will walk you through the process to ensure your employees receive the instruction you need to meet your diverse human resources needs now and well into the future.
Let us help you gain a competitive edge in the marketplace. To learn more about the Canada Job Grant and to take advantage of our expertise, please contact the office: email@example.com or 753.2000
For background information on eligibility and requirements, review this presentation from Advanced Education and Skills (AES):


We’ve talked in this space before about the benefits of impact windows in areas like ours where the potential for hurricanes and the strong winds associated with them is always a looming threat. Preparing for a hurricane means either protecting your windows or replacing them with wind resistant impact windows, and while there’s certainly a larger up-front investment with the latter, most home and business owners might be surprised at how quickly the price starts looking less intimidating once you consider a few mitigating factors.
Certainly there’s your time; in the event of a hurricane warning, whether you’re installing storm panels or simple plywood, there’s time that needs to be spent doing it that could probably be better spent safeguarding yourself and your family. Even if you’ve got plenty of time to evacuate an area, the value of your own time — or the cost of paying someone to install all those sheets of plywood — needs to be weighed against the one-time cost of installing impact windows.
Also, impact windows do more than just protect interiors during high winds. They’re also great at reducing noise, are extremely energy efficient, offer UV protection to your furniture and other belongings, and act as a deterrent against burglars and other intruders — they’re a health and safety asset to any home. Moreover, in most cases insurance companies in hurricane prone areas offer premium discounts to home and business owners who have installed impact windows — and that discount is typically available year after year. Couple that discount with energy tax credits that are usually available for installing more efficient window glass like that used in impact windows and you’re starting to chip away at the initial cost pretty rapidly. Call us today and we’ll run numbers with you — we think you’ll find impact windows are an excellent investment.


Ed Stern is President and CEO of PowerBridge, the leading developer of non-utility, privately financed, electric transmission systems in the U.S. PowerBridge has developed, financed, constructed – and now operates – more than 1300 MWs of transmission capacity, with a total investment in excess of $1.5 billion. PowerBridge also completed the development and construction of a natural gas line and is currently developing several billion dollars of new electric transmission facilities.
Ed has more than 30 years of experience leading the successful development, financing, construction, operation and ownership of major energy and infrastructure projects. Under Ed’s guidance, PowerBridge developed, financed and built the Neptune Regional Transmission System, completed in 2007, and the Hudson Transmission Project, completed in 2013.
Both Neptune and Hudson are 660 MW HVDC underwater and underground electric transmission systems, managed by PowerBridge, that interconnect the PJM market in New Jersey with power grids in New York. Neptune extends 65 miles (51 underwater) between Sayreville, New Jersey and Long Island, while Hudson runs from Ridgefield, New Jersey for approximately seven miles into Manhattan’s West Side, including four miles underneath the Hudson River. Both projects were completed on budget and ahead of schedule.
From 1991 through 2004, Ed was employed by Enel North America, Inc. — the North American subsidiary of the Italian electric utility Enel SpA — and its predecessor, CHI Energy, Inc., an energy company specializing in renewable energy technologies including hydroelectric and wind. While at Enel North America, Inc. and CHI Energy, Inc., Ed served as General Counsel and, commencing in 1999, as President, Director and Chief Executive Officer.
Prior to joining CHI, Ed was a vice president with BayBanks, Inc., a Boston-based $10 billion financial services organization, where for six years he specialized in energy project finance, real estate restructurings and asset management.
Ed has served on numerous public and private boards, most recently on the boards of CAN Capital, Inc., a small business specialty finance company; Deepwater Wind Holdings, LLC, America’s leading developer of offshore wind projects (recently acquired by Orsted), FMC GlobalStat Holdings, Inc., a global provider of satellite and wireless communications systems; and on the advisory board of Starwood Energy Group Global, LLC, a private equity firm specializing in energy and infrastructure investments.
Ed received B.A., J.D. and M.B.A. degrees from Boston University. He is a member of the Massachusetts Bar and the Federal Energy Bar.


Fees are refundable up to one (1) month prior to the event, minus a $25 processing fee.
If cancellation occurs fourteen (14) business days prior to the class, you will incur a cancellation fee equal to 20% of the class price.
If cancellation occurs ten (10) business days or less prior to the class, you will incur a cancellation fee equal to 40% of the class price.
If you have personal credit, it must be used within 12 months, and NO refunds in the form of payment will be made, even if you cancel within fourteen (14) days prior to the start of a class. Once funds are credited from one class to another, the funds must remain as a credit (no refunds) in further transactions.
On rare occasions, we may have to move class location or cancel classes due to insufficient enrollment or unforeseen circumstances. Registrants will be notified [by email and telephone] before the event, and full refunds will be issued by the way it was received. If this occurs, our responsibility is limited to a refund of any registration fees you’ve already paid. Primordial Alchemist, Inc is not responsible for airline tickets (you can purchase airline insurance), other payments or Hotel fees, or any similar fee penalties that you may incur as a result of any trip cancellations or changes. Please allow ten business days for us to process any refunds or credit changes.


A new project was launched earlier this year to tackle the problem of youth unemployment and to help support those on job seekers in Guildford. The project involves a number of local organisations working together to provide suitable job training, teaching vital skills needed for the workplace, as well as offering job opportunities with Guildford based companies. Guildford Council and Guildford YMCA are among some of the organisations who are backing the project.
The aim is to work with local job seekers and youth who are unemployed, to develop their education and workplace training to improve their employability. The scheme also gives job seekers some structure and clear goals to aim for. They will receive excellent training and can gain recognised qualifications through the project.
The project will involve a number of job opportunities across a range of employment sectors from council work right through to gardening. The project was launched earlier this year and is set to continue for two years, with the idea that it will be reviewed and hopefully continued post 2015.
The project is based at Guildford Bike Project’s shop, and the Council has plans to invest in developing the space to suit the services on offer. The project is a chance for local organisations to work together towards a shared goal. Youth unemployment has reached an all time high; by working together companies can try to tackle the problems at hand in the local area. The whole of the Guildford community will inevitably benefit from the project.


12th September 2018
For immediate release
Thornton Directory named one of UK’s top 100 small businesses by Small Business Saturday
A Bradford community magazine, based in the Bronte birthplace village of Thornton has been selected as one of Small Business Saturday’s top 100 companies for 2018. Thornton Directory is celebrating being recognised for championing local businessend supporting community organisations in its monthly publication in the SmallBiz100 list. The community magazine has been selected as a trail-blazer in the official count-down to Small Business Saturday, which takes place across the UK on 1 December 2018.
SmallBiz100 highlights 100 amazing small businesses in the 100 days leading up to Small Business Saturday Thornton Directory, it’s achievements and contribution to the local community will be celebrated and spotlighted on Sunday 16th September.
The 2018 Small Biz 100 are drawn from every corner of the UK and reflect the vibrancy of the UK’s 5.5 million small businesses. This year’s cohort joins hundreds of previous SmallBiz100 alumni champions, which have been celebrated by the iconic campaign since its UK launch in 2013.
Thornton Directory has been the community magazine for Thornton and surrounding areas for 12 years and is delivered to thousands of homes and community pick up points every month. In the last four years it has also been available to download online for those who like to read on the go and has a strong social media presence for local news between issues.
The publication is truly embedded in the community, getting involved in community events and organisations, championing local businesses through advertising opportunities and encouraging community contributions to their local news, community updates and what’s on sections of the magazine. They even launched and look after the fast growing Thornton Rocks group, spreading kindness on decorated rocks which has brought a real buzz to the village and encouraged people to enjoy the outdoors. It is this strong connection between community and small businesses which Thornton Directory prides itself on and is one of the reasons they were specially chosen to be a SmallBiz100 trailblazer.
Neil Bird, editor of the Thornton Directory said:
“We are thrilled that the Thornton Directory has been selected as one of this years SmallBiz100 alongside such fantastic companies. It’s an amazing opportunity to celebrate all that we do as a community magazine and to showcase our community and local businesses, not just here in Yorkshire, but across the UK.
Thornton Directory is all about connecting local people to local businesses. Every day we champion other small businesses. Seeing them succeed and helping new ones launch with a clear identity is fantastic to be a part of. It’s really special to us that the Thornton Directory is so well read and respected in the local community. Each month local people contribute news and stories to make their community magazine the success that it is.
On the back of the success of the magazine, and as a result of community feedback, we also launched a Queensbury Directory three years ago. As part of the SmallBiz100 celebrations, this week we are delighted to announce that we are launching our third publication, the Bingley Directory.”
Small Business Saturday UK is a grassroots, non-commercial campaign, which highlights small business success and encourages consumers to ‘shop local’ and support small businesses in their communities. Now in its sixth year, it is the UK’s most sucessful small business campaign, which last year saw an estimated £748m spent with small businesses across the UK on Small Business Saturday.
The #SmallBizSatUK campaign trended at number one in the UK on Twitter during 2017, reaching over 115 million people globally. The Prime Minister and the Mayor of London were among those publicly supporting the campaign. Over 87% of local councils also supported the campaign.
Director of Small Business Saturday UK, Michelle Ovens said:
“The launch of the Small Biz 100 marks the exciting count-down to Small Business Saturday 2018. We are thrilled to highlight the dynamic, creative and inspiring small businesses from across the country, as part of our campaign to celebrate and champion the success of the UK’s small businesses. The Small Biz 100 showcases the companies at the heart of the UK’s economy, which we need to support now more than ever.”
Small Business Saturday 2018 is open to all businesses to participate in, and will commence its regional bus tour roadshow across the UK during the autumn, to drum up further support.
- Ends -
Photograph attached, with permission to use, of Neil Bird, Thornton Directory editor, with previous issues of the magazine, next to Thornton Viaduct.
Notes to Editors
Name: Neil Bird, Thornton Directory
Phone: 07830 231606
About Thornton Directory
West Yorkshire small business, the Thornton Directory is a community magazine delivered FREE door to door to homes and businesses in Thornton and surrounding areas. Each month the magazine reaches thousands of readers with its local news, community group updates, local history articles, sports news, what’s on and local business advertising.
The community publication, which is now celebrating its 12th year is now also available to download on line and they have a strong social media presence sharing local news and events between issues.
Thornton Directory has a loyal readership as it champions the important connection between community organisations and small businesses, being the go to place for information in the area. This reputation led to their launch of the Queensbury Directory three years ago due to public demand and the launch of Bingley Directory this year on their special SmallBiz100 day.
With its strong history in working with small businesses, Thornton Directory also works with local advertisers on their branding and marketing to help them have the best results possible.
About Small Business Saturday
Small Business Saturday UK is a grassroots, non-commercial campaign, which highlights small business success and encourages consumers to ‘shop local’ and support small businesses in their communities.
The day itself takes place on the first Saturday in December each year, but the campaign aims to have a lasting impact on small businesses.
On Small Business Saturday, customers across the U.K go out and support all types of small businesses, online, in offices and in stores. Many small businesses take part in the day by hosting events and offering discounts.
More information on Small Business Saturday can also be found at:


CViTec GmbH is one of the world’s leading companies in LED lighting business. It was established in May 2010. The head office locates in the City Eschborn in Germany, and owns three sales companies worldwide: the first is ART LIGHTING Co., Ltd., locates in China with main business of lighting fixture products. The second is CVL Lighting Co., Ltd., also locates in China and focuses on lighting source products. The third company is CViTec USA, its location is in North America, focuses on lighting luminaires and lighting source.
CViTec GmbH has four factories in China: Sunlight factory was founded in 2001 for LED Chips production, Civilight factory in 2006 for LED driver production, Easylight factory in 2008 for production of lighting source, and the new FOSHAN factory, founded in 2015 for lighting luminary’s production.
CViTec GmbH has two famous brands, CViTEC® and CIVILIGHT®. CIVILIGHT® has been established for more than 12 years and has attained a very good reputation worldwide, especially in European market. It focuses on lighting source products, such as spotlight, bulbs and other lighting source. CViTEC® was established 3 years ago, specialized on hotel lighting, shop lighting and also industry lighting and outdoor lighting.
CViTec GmbH has formed a long-year experienced R&D team for new products and new technology, is very strong at innovation. We have a lot of patent designs, such as special HALED™ patent design for spotlight, and LEDincand™ patent design for LED bulbs, most of the products have high CRI around Ra95 (with SUNWHITE™ Technology). And for LED drivers, they are all designed and produced by ourselves to keep the best quality. All products have CE, PSE or UL certificates to meet different market requirements for certification.


- Categories:About Us
- Time of issue:2020-04-18 00:00:00
Nantong Hengkong Machinery Co., Ltd. is located in the beautiful and fertile Nantong City of Binhai Linhai. It is a professional enterprise engaged in the development, design, manufacture and sale of roll processing equipment. The existing production standard workshop is more than 10,000 square meters, and the fixed assets are more than 10 million. According to the manufacturing process of mechanical machine tools, the factory has large parts processing workshop, metal processing workshop, paint workshop and assembly debugging workshop. At present, there are more than 40 engineering technicians.
Since its establishment in 2017, the company has followed the development policy of "elite talents, perfect management, advanced technology, and honest service", and its design level, manufacturing capacity and sales performance have reached a new level in one year. Independent research and development of "roller end CNC lettering machine tool", "heavy-duty rail beam steel roller marking CNC engraving and milling machine", domestic three-rail "roller transverse rib groove (crescent groove) CNC combined processing machine tool without disassembly, replacement or moving parts", etc. Special equipment has obtained many national patents.
The company's professional design and manufacturing team, advanced process equipment and perfect testing methods ensure that "Hengkong" products are advanced in technology and stable in quality. The products sell well in major domestic steel companies and are exported to many countries and regions in Southeast Asia, the Middle East, Europe and America.
All "Hengkong" people will adhere to the business philosophy of "people-oriented, customer first" and the working spirit of "research and the bank, excellence", and constantly develop new technologies and cost-effective products in return for customers and friends from all walks of life. Our support and love.
Machining equipment includes: 4-meter gantry milling machine, 4-meter gantry mill, T611 boring machine, M7150 surface grinder, CNC lathe, CNC milling machine, rocker drilling machine, etc.
Specializing in the production of XK500A, XK500H, CNC roll crescent groove processing machine tools, CK8450, CK8465, CK8480 series CNC roll lathes, CK9380 checkered plate CNC turning and milling centers, CA8450, CA8465 digital display roll lathes, ZM10 precision universal grinding machine and other related accessories product.
Our company has now become a well-known enterprise with a certain reputation in the domestic steel enterprises, metallurgical design institute roll processing machine tool industry.
We warmly welcome new and old friends at home and abroad to write to us to discuss business and visit guidance, and pay tribute to the majority of users and industry professionals who care about our company!
Scan the QR code to read on your phone
Hengkong—Specializing in CNC roll processing machine tools


|Texas Genetics paying big dividends in Northern New South Wales
Sam and Jenny Bailey of “Pine Hills” Croppa Creek took out the prize for the best Pen of British or British Cross Steers at the Inverell Blue Ribbon Weaner Sale on April 30 this year with a pen of 16 ten-month-old Angus steers, weighing an average 321kg. The pen of steers also won the overall top prize for the Grand Champion Pen against more than 4000 weaners at the same sale. Sam and Jenny have been purchasing Texas Angus Stud bulls since 2001. A large proportion of the prize-winning steers carried Texas bloodlines, via both sires and Sam and Jenny’s breeding herd, which includes a large number of cows by Texas bulls.
Sam and Jenny currently run an Angus herd of 120 cows, with plans to expand over the next few years by retaining their own heifers. They target the weaner market, turning eight to ten-month-old steers off their mothers and either selling at the feature weaner sales or on farm. Their goal is to get maximum growth between 200 and 400 days in their steers, while producing good framed, very quiet fertile heifers which produce plenty of milk. They put their main focus on looking after their cow herd, to the extent of putting in oats solely for their cows. Their philosophy is ‘if you look after the cow, the cow will look after the calf’.
They choose Texas bulls because of their growth, frame and bone, milking ability and very importantly, quiet temperament.
Congratulations to Sam and Jenny for their very successful book “Head Over Heels” and their expanding public speaking, they certainly have put Croppa Creek on the map!
Photo (left to right Mark Smith, McGregor’s Agricultural Services, Sam and Jenny Bailey and Doug Smith, McGregor’s Agricultural Services Warialda)


The WP6 objectives are the identification and the analysis of all technical, management and economic aspects related with the delivery of commercial (and, eventually, non-commercial) services, associated with the scope of APHORISM results, to end-user (customer) communities. The outcomes will describe the Institutional and Research markets that operate in the European Union in terms of the systems, applications and market players with a particular emphasis on the air traffic control. An estimate of the size of the market, with a particular focus on its growth in the short, medium and long term, will be done, including an asseement of the potential requirement for APHORISM systems and possible market sector options.
LIST OF TASKS:
T6.1 - Market Data Collection and Collation
T6.2 - Focused Marketing Analysis
T6.3 - Develop High Level Business Plan


In the fall of 2014, UPM youth members joined the Lift Up Oakland Coalition to help pass Measure FF and raise Oakland’s minimum wage from $9 an hour to $12.25. Measure FF passed with a resounding 81.7% of the vote demonstrating overwhelming support for a fair wage that better reflects the rising cost of living in Oakland. UPM members helped gather signatures, knocked on doors, and hosted their own public awareness rally in the heart of the busy Fruitvale district.
Measure FF gave 48,000 workers a raise and provided paid sick days for an estimated 56,700 workers. While Oakland is becoming a much more attractive destination for tourists and the bourgeoning tech industry, the unequal income gap between newcomers and long time residents is growing. When jobs fail to provide a livable wage, the underground street economy ends up being the only choice to survive. This creates a situation where our city’s most vulnerable residents are exposed to higher rates of violence. Raising the wage for low-income families and increasing economic opportunity is a step toward a more peaceful Oakland community.


For just £60 you have a 1 in 100 chance of winning £1,000 – far better odds than a lottery ticket!
Click the red button below to pay online using your credit or debit card. Alternatively, you can contact the Gallery on 0121 236 4353. We will select the winner of the £1,000 in mid December - just in time to help boost your festive celebrations!
The 100 Club has been set up by the Society to raise funds to help towards the running costs of the Gallery. Out of the money raised, £1,000 goes to the winner and the remainder helps pay for costs such as building maintenance and utility bills. The RBSA Gallery does not receive core funding and has to raise funds through a range of activities to remain open. Therefore, all 100 Club entries are greatly appreciated.


You are here: Savings > Term Deposits
Our term deposits offer you a smarter, safer investment for your money.
We offer a Government Guarantee, and a host of features and benefits which include:
What is the Government deposit guarantee?
On 12 October 2008 the Prime Minister announced a temporary new scheme to guarantee all deposits held in credits unions, building societies and banks in Australia. The new scheme ensures that depositors with Australian credit unions, banks, and building societies will be guaranteed repayment of their funds in the extremely unlikely event that any banking institution faces stress. The guarantee is free but capped at $1 million per depositor. The scheme was a response to the global economic conditions currently being experienced in global financial markets, and is an extra confidence measure for the already strong Australian banking system.
On 10 September 2011 the Treasurer announced that the Government deposit guarantee would be made permanent but at a reduced cap of $250,000. The lower cap applies as follows:-
Full terms, conditions, fees and charges are available in our Product Guide and Fees and Charges booklets. These booklets are available upon request, can be downloaded from our website, and will be provided at the time of acquiring the product. Before acquiring the product you should consider if this product is appropriate for you.


A new village of 17 one-storey villas will be built in a beautiful, quiet area of Cherengtaley, five minutes from Bang Tao Beach and the five-star Laguna complex. Has a mesmerizing view of the beautiful tropical mountains and palm forest. The complex consists of 17 villas with private pools. The project is an addition to the already finished complex of 38 modern villas.
The villas have a private pool with a terrace, a spacious living room combined with a fully equipped kitchen and dining group with access to the pool, three bedrooms with fitted wardrobes and en-suite bathrooms.
The complex has a fitness center, a restaurant with organic cuisine, a shuttle service, where residents can quickly reach the beach, 24-hour security and parking for cars.
Payment by installments is valid for the construction period. The project provides for a guaranteed rental program, where the owner receives an income of 6% per annum for 3 years.
unit p2: Type A 3 bedroom Land – 207.20 m2 building – 150.25 m2 price 9.900.000 THB
unit p12: Type B 3 bedroom Land – 306.00 m2 building – 207.50 m2 price 12.900.000 THB
unit p18: Type B 2 bedroom Land – 208.80 m2 building – 132.50 m2 price 8.900.000 THB
unit p19: Type B 2 bedroom Land – 208.80 m2 building – 132.50 m2 price 9.200.000 THB
unit p22: Type A 2 bedroom Land – 216 m2 building – 164 m2 price 9.600.000 THB
unit p21: Type C 1 bedroom Land – 168 m2 building – 117 m2 price 6.500.000 THB


APLI - Испания
APLI PAPER S.A.U. is the leading company on the Spanish market in manufacturing labels and stationery articles, with more than 65 years' experience in meeting the needs of users in the office, computer, home, shop and school environments. However, APLI is also one of the leading suppliers worldwide, currently exporting its products to more than 85 countries all over the world. Quality, innovation, excellent service and continuous improvement,are the basic pillars of our daily activity. Thanks to this philosophy, we work to meet the needs of users who are increasingly better informed, more efficient and more demanding.


The Parish Council is an important part of the structure of local democracy and has a vital role in acting on behalf of the communities they represent. The Council has a wide range of powers which essentially relate to local matters. The Parish Council also:-
The Parish Council is financed by local residents through the Precept. This is the Parish Council's share of the council tax, and is used to help improve life for the local community in many ways.
Each year the Parish Council is obliged to assess how much money is required to effectively administer the parish. This is done through a budget process where receipts and payments are considered for the forthcoming year. The Parish Council then notifies Babergh District Council of the amount of money required, which is sent to the Parish Council in two equal amounts in April and September each year.


DOMESTIC SHIPPING INFO
Shipping inside Greece is provided by Speedex or ACS Courier, with the amount of €2,91 for any t-shirt quantities +1,86 € for Cash on Delivery.
Provided that we deliver your order to the courier company, it will take 1-3 business days for each order shipped within Greece. However, if the destination is a remote area, there is a possibility of an additional delivery time of 1-2 business days.
INTERNATIONAL SHIPPING INFO
The cost of international Shipping is fixed at 8 € (without Tracking Number)* or 11€ (with Tracking Number) for any international destination**.
International packages are sent by us within 1-3 days via Hellenic Post – ELTA and are received by the customer within an estimated time range of 1-3 weeks***.
*IMPORTANT: TKT is not responsible for any delays or non-delivery of products shipped without Tracking Number, thus has no financial compensation obligation to the customer in the above mentioned cases.
**Please note that custom fees and additional charges may be applied to international customers outside the EU.
***Delays may also occur if kept in the customs offices of the country. If this happens the estimated delivery time may go up to 4-5 weeks. Contact your local customs office for more info.
|Shipping Option||Delivery Time||Cost|
|Shipping inside Greece (online payment)||1-3 Business Days (1-5 Business Days for remote areas)||2,91€ - FREE for orders over 40€|
|Shipping Inside Greece (Cash on Delivery)||1-3 Business Days (1-5 Business Days for remote areas)||4,77€ - 1,86€ for orders over 40€|
|Shipping Outside Greece (without Tracking Number)||1-3 Weeks||8,00 €|
|Shipping Outside Greece (with Tracking Number)||1-3 Weeks||11,00 €|


At Basic Feather you get free worldwide shipping at any purchase of more than 60 USD (or equivalent in your local currency).
It's incredibly important to us that it's just as easy or even easier to shop your racket online than at your local store.
That's why we offer a 30-day satisfaction guarantee on all racket purchases. Even if you've scratched the racket, changed the grip, new stringing or whatever it might be. You can read more about our satisfaction guarantee here.
Should you need to return your racket, simply do as described below:
1. Write an email to firstname.lastname@example.org
2. We will send you an email with a prepaid return label, which you must print and stick on the package.
3. Go down to your local post office with the package
4. Once we have received the package, we will start the return to you.
Please save the packaging until you are absolutely sure to keep the item. By doing this, you do not have to go out and find new packaging if, contrary to our expectations, you would like to return your purchase.
Would you rather exchange your item for another product or size?
Of course, we can do that too. Write an email to email@example.com and tell us what you'd like to exchange your item for. If you are unsure if there is another product you prefer, see our range here.
If you have any money receivables after exchanging a product, you are able to receive these as a refund or a gift voucher to our shop.
If you choose the pay out, the money will be credited back to the credit card used for the purchase as soon as we have received your refunded item and exchanged new one.
When returning clothes, it must be returned in the same condition in which you received them. This means that the hangtag must be attached upon return, otherwise we will unfortunately not be able to make a refund.


This page details the Cryptocurrency Deposit service included in the Basic Plan of “SF Global Account (hereafter SF account)”.
Your SF Account comes with a wallet that stores cryptocurrencies and can be accessed from multiple devices such as your PC or smartphone. As you can manage all your money and digital assets on a single interface, you can get a good idea of the status of your finances at a glance. As 2-factor authentication is required to login to your SF account, the wallet boasts a high level of security. If you feel uncomfortable about leaving your cryptocurrencies on wallets of cryptocurrency exchanges, please do use SF account which provides a high level of safety and usability.
*Using the same account, you can store your cryptocurrencies on an online hot wallet, offline (not connected to the internet) cold wallet, or access the global market and trade them.
|Asset Ticker Symbol


Malaysia is a country renowned for its incredible cuisine, rich cultural heritage, and booming urban development. It is no surprise then that over the years, it has become a hotspot for real estate investors worldwide. But with recent market fluctuations, changing regulations, and global economic turmoil, you might wonder if now is still a good time to invest in Malaysian real estate. We’re here to tell you – it absolutely is! In fact, there has never been a better time than now to seize the opportunity and stake your claim on Malaysian soil.
Here are some of the top reasons why this is an excellent time to invest in real estate in Malaysia:
1. Attractive property prices
Despite the impressive skyline and modern infrastructure found in Malaysian cities, property prices remain relatively low compared to other similarly developed countries in the region. This provides attractive entry points for both domestic and foreign investors alike.
Moreover, recent economic uncertainties have caused some cooling measures within the real estate market, which resulted in housing prices being adjusted. This means that there are even more opportunities for value buyers who can spot undervalued properties.
2. Favorable loan interest rates
In response to concerns over potential economic impacts of COVID-19, Bank Negara Malaysia has reduced the Overnight Policy Rate (OPR) four times in 2020, reaching a record low of 1.75%. As a result, Malaysian banks are offering historically low-interest rates on housing loans. This decreases financing costs for potential investors and makes owning property more affordable.
3. Expanding middle class
Malaysia’s impressive economic growth over recent decades has contributed to an expanding middle class with increasing disposable income. As such, there is a growing demand for higher-quality homes as young professionals and families look towards upgrading their living conditions. This increased demand bodes well for property investors looking to satisfy these needs by investing in residential real estate.
4. Growing tourism industry
Tourism contributes significantly to Malaysia’s economy and has experienced continual growth over recent years. With diverse travel hotspots ranging from Penang’s historic Georgetown to Langkawi’s idyllic beaches, there is no shortage of tourist attractions that appeal to both domestic and international travelers.
As tourism numbers continue to rise, so too does the demand for suitable accommodation through hotels or home-sharing services like Airbnb. Investing in properties tailored for short-term rentals can provide healthy returns as tourism continues to thrive within Malaysia.
5. Government initiatives
The Malaysian government has been putting efforts into attracting foreign direct investments (FDI) into the country’s property market. The Malaysia My Second Home (MM2H) Program is one such initiative aimed at enticing foreigners to purchase residential property within the country by offering long-term visa extensions and other perks.
Additionally, government-led projects like the construction of the new Kuala Lumpur-Singapore High-Speed Rail and expansion of public transportation networks have the potential to increase demand for real estate near these developments.
When looking at these factors collectively, it becomes clear that now is an opportune time for both aspiring and seasoned investors alike when it comes to purchasing Malaysian property. With attractive prices, unprecedented financing opportunities, burgeoning consumer demands driven by population growth, rising tourism numbers bolstered by government initiatives – who wouldn’t want a piece of this thriving market?
So whether you’re looking for capital appreciation or rental income (or perhaps even both), consider making Malaysia’s real estate market part of your investment strategy today—before others catch on—and soon enough, you’ll be reaping the unparalleled benefits that come with it!


5 Benefits of Telecommuting for Employers and Employees
Many contend that telecommuting has an overwhelming number of benefits, not just for employees, but employers as well. Here are 5 ways in which telecommuting is a win/win.
One of the major misconceptions about telecommuting is that once employees are out of sight, they will slack off—big time. Nothing could be further from the truth, though. Case in point: One Stanford study that showed that call center employees actually increased their productivity by 13% when allowed to work from home. And another study from University of Texas, Austin showed that telecommuters worked 5-7 hours more than their in-office counterparts.
When employees are unhappy with their commutes, they might be more apt to call in sick—or look for another position that will allow them to work remotely and subsequently quit. Lost productivity can cost a company thousands of dollars—and that number can skyrocket when the employee actually does resign. Employees who are given the option to telecommute are reportedly much happier (73%) with their employers and their ability to telecommute than traditional office workers (64%). Being happier in their jobs means that employees are much more likely to stay in their positions, which saves a company a lot of money in the long run.
Let’s say that you’re caring for aging parents, and you need to take them for frequent doctors’ visits. By being able to work from home—and have a better work life balance—employees become happier and feel valued. In turn, that happiness turns into gratitude, causing employees to become more invested in the companies they work for—and work harder. In fact, a study from Pennsylvania State University shows that telecommuters are generally less stressed and happier than those who work in an office.
The vast majority of employees drive in to work each day. All that pollution can (and does) take a huge toll on the environment. A recent study conducted by the Consumer Electronics Association found that telecommuting saves enough energy to power one million homes in the United States for an entire year! In that way, both companies—and their workers—can greatly reduce their carbon footprint when employees work from home.
If you thought that only employees benefit financially from working from home, think again. Sure, employees will avoid added expenses that come with working in an office (such as commuting costs, or having to buy office attire and daily lunches), but employers save big bucks as well. It’s estimated that for each employee who telecommutes, a company saves about $11,000 annually.
With its numerous benefits, more and more companies are allowing their employees to work remotely. Whether it’s one day or five days a week, not only does telecommuting greatly benefit the environment, but it strengthens a company financially and creates a more invested, cohesive—and most importantly, happy—workforce.


25 Sep March 2019Weigh the Tax Impact of Income vs. Growth When Investing
As the 2018 tax-filing season heats up, investors have much to consider. Whether you structured your portfolio to emphasize income over growth — or vice versa, or perhaps a balance of the two — will have a substantial impact on your tax liability. Let’s take a look at a couple of the most significant “big picture” issues that affect income vs. growth.
One benefit of dividends is that they may qualify for preferential long-term capital gains tax rates. For the 2018 tax year, the top rate is 20% for high-income taxpayers (income of $425,800 or more). For those with incomes between $38,601 and $425,800, the rate is 15%. Individuals with incomes of $38,600 and below pay 0% on long-term capital gains.
Keep in mind, however, that only “qualified dividends” are eligible for these rates. Nonqualified dividends are taxed as ordinary income at rates as high as 37% for 2018. Qualified dividends must meet two requirements. First, the dividends must be paid by a U.S. corporation or a qualified foreign corporation. Second, the stock must be held for at least 61 days during the 121-day period that starts 60 days before the ex-dividend date and ends 60 days after that date.
A qualified foreign corporation is one that’s organized in a U.S. possession or in a country that has a current tax treaty with the United States, or whose stock is readily tradable on an established U.S. market. The ex-dividend date is the cutoff date for declared dividends. Investors who purchase stock on or after that date won’t receive a dividend payment.
Timing is everything
One disadvantage of dividend-paying stocks (or mutual funds that invest in dividend-paying stocks) is that they accelerate taxes. Regardless of how long you hold the stock, you’ll owe taxes on dividends as they’re paid, which erodes your returns over time.
When you invest in growth stocks (or mutual funds that invest in growth stocks), you generally have greater control over the timing of the tax bite. These companies tend to reinvest their profits in the companies rather than pay them out as dividends, so taxes on the appreciation in value are deferred until you sell the stock.
Keeping an eye out
Regardless of your investment approach, you need to understand the tax implications of various investments so you can make informed decisions. You should also keep an eye on Congress. As of this writing, further tax law reform beyond the Tax Cuts and Jobs Act of 2017 isn’t on the horizon — but it’s being discussed. Contact our firm for the latest news and to discuss your tax and investment strategies.
Sidebar: What are your investment objectives?
When re-evaluating your investment portfolio, it’s important to consider whether your objectives have changed. There are many factors to consider, both tax and nontax. Some investors seek dividends because they need the current income or they believe that companies with a history of paying healthy dividends are better managed. Others prefer to defer taxes by investing in growth stocks. And, of course, there’s something to be said for a balanced portfolio that includes both income and growth investments. When preparing to file your 2018 taxes, take a moment to identify your objectives and determine if you met them or fell short.
Deducting Charitable Gifts Depends on a Variety of Factors
Whether you’re planning to claim charitable deductions on your 2018 return or make donations for 2019, be sure you know how much you’re allowed to deduct. Your deduction depends on more than just the actual amount you donate.
What you give
Among the biggest factors affecting your deduction is what you give. For example:
Cash or ordinary-income property. You may deduct the amount of gifts made by check, credit card or payroll deduction. For stocks and bonds held one year or less, inventory, and property subject to depreciation recapture, you generally may deduct only the lesser of fair market value or your tax basis.
Long-term capital gains property. You may deduct the current fair market value of appreciated stocks and bonds held for more than one year.
Tangible personal property. Your deduction depends on the situation. If the property isn’t related to the charity’s tax-exempt function (such as a painting donated for a charity auction), your deduction is limited to your basis. But if the property is related to the charity’s tax-exempt function (such as a painting donated to a museum for its collection), you can deduct the fair market value.
Vehicle. Unless the vehicle is being used by the charity, you generally may deduct only the amount the charity receives when it sells the vehicle.
Use of property or provision of services. Examples include use of a vacation home and a loan of artwork. Generally, you receive no deduction because it isn’t considered a completed gift. When providing services, you may deduct only your out-of-pocket expenses, not the fair market value of your services. You can deduct 14 cents per charitable mile driven.
First, you’ll benefit from the charitable deduction only if you itemize deductions rather than claim the standard deduction. Also, your annual charitable deductions may be reduced if they exceed certain income-based limits.
In addition, your deduction generally must be reduced by the value of any benefit received from the charity. Finally, various substantiation requirements apply, and the charity must be eligible to receive tax-deductible contributions.
For 2018 through 2025, the Tax Cuts and Jobs Act nearly doubles the standard deduction – plus, it limits or eliminates some common itemized deductions. As a result, you may no longer have enough itemized deductions to exceed the standard deduction, in which case your charitable donations won’t save you tax.
You might be able to preserve your charitable deduction by “bunching” donations into alternating years, so that you’ll exceed the standard deduction and can claim a charitable deduction (and other itemized deductions) every other year.
The years ahead
Your charitable giving strategy may need to change in light of tax law reform or other factors. Let us know if you have questions about how much you can deduct on your 2018 return or what’s best to do in the years ahead.


In a statement on 7 November 2014 Flemish Minister of Education Hilde Crevits (christian democratic party) announced she would change the policy for school financing, making allocation of funding less dependent on socio-economic characteristics of the student population. The Minister does not want to change the policy which allocates more teaching staff to schools with a higher proportion of disfavoured children (measured through indicators such as highest educational degree of the mother and language spoken at home), but she does want to change the system for basic financing of schools in order to "in the future allocate the same amount of money to each child". Although the details of this policy change remain unclear and would depend on the outcomes of a budgettary check and a scientific evaluation, the intention is clearly formulated in the Flemish government agreement and reiterated by the Minister in her statement that the current differentiated basic financing of schools (which partially takes into account characteristics of pupils in budget allocation) would be abolished. The end goal, "allocating the same amount of money to each child in all schools", boils down to giving less money to schools with a higher proportion of disfavoured children. Several policy actors on the local level (the aldermen for education of the cities of Ghent and Antwerp), the "organizing powers" (the bodies running the schools), politicians and educational scientists have raised objections and sometimes fierce criticism. Former Minister of Education Frank Vandenbroucke (socialist party), who had introduced differential financing of schools a decade before, had already published an open letter (weeks before the public announcement by Minister Crevits) to warn against the policy change announced in the Flemish government agreement.


Have you ever wondered how to become a Stampin' Up demonstrator in the UK?
Well, it's easy! All you do is purchase the Starter Kit! This costs only £99 and is valued at more than £130 with £35 business pack free.
The kit is fully customisable so it can fit in with you, perfect!
Once you've bought your kit you will have Active Demonstrator status which entitles you to:
- A massive 30% discount on your first order if you spend £150 or more in the first 45 days of becoming a demonstrator
- 20% discount on the rest of your orders
- Access to the demonstrator website with all its fantastic resources
- Opportunities to earn free stamp sets and cash awards in your first 6 months
- Previews of new products and catalogues
- The opportunity to attend monthly, quarterly and regional training events
- Invitations to demonstrator-only promotions and events - including the annual convention (held at Disneyland Paris this year!, and in Germany in 2012)
- The opportunity to earn luxury, all-expenses-paid trips
In order to keep your Active Demonstrator status, you will need to make minimum sales of £225 net per quarter (which works out at £90 a month including VAT.) Some people cover this with their own orders, with occasional orders from friends and family. Some take it a step further by setting up classes and workshops and increasing orders that way, while others make Stampin' Up a full-time career focus.
People join Stampin' Up for many different reasons. What kind of demonstrator would you be?
- Discount demonstrator: Buys discounted stamps and supplies for personal use and occasionally sells to family and friends.
- Short-term demonstrator: Works to earn a specific amount of money and stops when the goal is reached.
- Hobby demonstrator: Enjoys running workshops and classes and earning extra money when it's convenient; works a lot some months and very little or not at all at other times.
- Seasonal demonstrator: Works hard running workshops during September, October and November and maintains minimal sales during the rest of the year.
- Stay-at-home mum demonstrator: Runs her business around her family commitments, doing workshops a few nights a month to make extra money.
- Career demonstrator: Views Stampin' Up as a viable business with long-term career potential; is ambitious to move up the career ladder and works consistently at her business.
There are any number of ways to make being a demonstrator work for you - Stampin' Up is as individual as you are!
If this is something which interests you don't hesitate to contact me to discuss further at firstname.lastname@example.org


The world is changing, and soon, corporate social responsibility is going to be a non-negotiable. In fact, it already is. The rising generations are not only socially conscious, but socially demanding—they want to work for, buy from, or interact with organizations that exemplify their values, and they are pushing for purpose. Real purpose. So, how are you working to #GivePurposePurpose?
For seven years, The Black Sheep agency has put making an impact for our clients and ourselves front and center. In 2014, we doubled down on our community-based work, made the leap to become a completely cause-driven agency. As of July 2016, we proudly announced our status as a certified B Corp. After meeting the rigorous criteria, we’re excited to join the ranks of over 1,800 other businesses that care as much as we do about making a difference.


Stelterr Factory Direct is proud to announce that we have reached an agreement to stock and offer Tennsco and Metalware products in Canada. These new partnerships offer Stelterr’s dealer network and customers a broader mix of high quality products for storage in commercial and industrial applications.
In partnership with Tennsco, Stelterr now offers:
- L&T File Shelving
- Tennsco Industrial and Commercial Shelving
- Tennsco Office Products
- File Cabinets
- Storage Cabinets
- Specialty Cabinets
In partnership with Metalware, Stelterr now offers:
- Interlock Shelving
- Widespan Shelving
For brochures, specifications and price lists, and other updates please use your dealer login or contact us.


On December 21, 1843, a small group of men and women joined together to open the Rochdale Pioneer Society. This became the first “modern-era” cooperative in the English speaking world. The cooperative was based on simple principles: provide quality goods and services at a reasonable price and provide a decent place of employment. Since then, cooperatives have blossomed to include every aspect of human enterprise. Today, the cooperative model includes financial institutions and insurance (credit unions and mutuals), consumer cooperatives, producer cooperatives, housing cooperatives, and worker cooperatives. While the services and goods provided by cooperatives and credit unions are as divergent as the people using and providing them, all cooperatives and credit unions are bound by a single identity. Simply put, cooperatives are democratically controlled enterprises. They operate on the basis of “one-member, one-vote” instead of “one share, one vote”. We present the following resources for those who would like to learn more about cooperatives, who are considering starting a cooperative or who would like to strengthen their existing cooperative.
WHAT IS A CO-OP?
In 1843, the Rochdale Pioneers set forth a statement of principles. These became known as the Rochdale Principles. Over the years, they have been amended several times by succeeding generations. In 1995, the International Cooperative Alliance (ICA) voted to add a list of values, ethics and a definition. In addition to the Statement on Cooperative Identity (re-posted below), in 2005, the ICA General Assembly also approved the World Declaration on Worker Cooperatives. This declaration attempts to further define the unique nature of worker ownership. To read this declaration, either hit the link above to download a PDF version or go to the CICOPA web site .
THE STATEMENT ON THE COOPERATIVE IDENTITY
A cooperative is an autonomous association of persons united voluntarily to meet their common economic, social, and cultural needs and aspirations through a jointly-owned and democratically-controlled enterprise.
Cooperatives are based on the values of self-help, self-responsibility, democracy, equality, equity and solidarity. In the tradition of their founders, cooperative members believe in the ethical values of honesty, openness, social responsibility and caring for others.
The cooperative principles are guidelines by which Cooperatives put their values into practice.
1st Principle: Voluntary and Open Membership
Cooperatives are voluntary organizations, open to all persons able to use their services and willing to accept the responsibilities of membership–without gender, social, racial, political or religious discrimination.
2nd Principle: Democratic Member Control
Cooperatives are democratic organizations controlled by their members, who actively participate in setting their policies and making decisions. Individuals serve as elected representatives and are accountable to the members. In primary Cooperatives, members have equal voting rights (one member, one vote) and cooperatives at other levels are also organized in a democratic manner.
3rd Principle: Member Economic Participation
Members contribute equitably to, and democratically control, the capital of their cooperative. At least part of that capital is usually the common property of the cooperative. Members usually receive limited compensation, if any, on capital subscribed as a condition of membership. Members allocated surpluses for any or all of the following purposes: developing their cooperative, possibly by setting up reserves, part of which at least would be indivisible; benefiting members in proportion to their transactions with the cooperative; and supporting other activities approved by the membership.
4th Principle: Autonomy and Independence
Cooperatives are autonomous, self-help organizations controlled by their members. If they enter into agreements with other organizations, including governments, or raise capital from external sources, they do so on terms that ensure democratic control by their members and maintain their cooperative autonomy.
5th Principle: Education, Training and Information
Cooperatives provide education and training for their members, elected representatives, managers, and employees so they can contribute effectively to the development of their Cooperatives. They inform the general public–particularly young people and opinion leaders– about the nature and benefits of co-operation.
6th Principle: Co-operations Among Cooperatives
Cooperatives serve their members most effectively and strengthen the cooperative movement by working together through local, national, regional and international structures.
7th Principle: Concern for Community
Cooperatives work for the sustainable development of their communities through policies approved by their members.
Doing It Better, Together
At a worker co-op, you will be talking to someone who is invested in the quality of their service, the quality of their product, and ultimately the quality of the business as a whole.
Invest in the Community
Co-op workers tend to live in the community they work in, so they are more likely to understand and invest in the needs of the community.
Efficient from the Ground Up
Businesses run by single owners or absentee boards tend to come up with strategies that make sense only in the short term. Businesses run by people who work there adopt practices that make long term sense.
Built with Values
Whereas the bottom line for a traditional business is making money for the owner, worker co-ops are communities of people who have come together for a common goal. Sustaining their business financially is one goal, but almost never the only one.
Strong Local Economies
Because the workers who operate the business own it, there is no outside entity to take the profits and spend it elsewhere. Most money spent at a worker-owned business will stay in your local community.
Democracy All Day
Many of us spend the majority of our waking hours in a workplace. No matter how democratic our political system becomes, if our workplaces are private dictatorships, we will never be free.
Credit - UNIONCABS


Grand Prairie, TX Title Insurance
Federal Title, Inc. acquired the assets of Title Texas on December 6th, 2006. Prior to this, the organization dates back to 1978, at that time being Safeco Land Title of Dallas, one of the premier title insurance agents in the metroplex.
Federal Title, Inc. is currently in the top twelve title companies in the metroplex according to the Dallas Business Journal and has the unique benefit of being a privately held company with the ability to make decisions locally. Among the executive team, the individuals at the helm of the company all have national experience and have been with the largest companies in the United States, but have opted to build a company with customer and employee values and concerns in mind. This combination gives Federal Title an advantage over our competitors locally and nationally when it comes to serving its clients.
Federal Title, Inc. can provide real estate closing and insurance in Texas, including Dallas, Collin, Denton, Tarrant and Ellis Counties. Federal Title is an issuing agent for Title Resources Guaranty Company and Lawyers Title Insurance Company, and is able to provide in excess of $230,000,000 in statutory single risk title insurance coverage.
Through its underwriter relationships, Federal Title, Inc. can also provide title delivery on a national level, tax certificates, flood certification, appraisals, AVM's, credit reporting, processing and document storage. And, its deep roots in Texas make obtaining title evidence in even the most remote county possible. Remember, we speak Texas!
Federal Title, a proud Texas Corporation here to customize service for you.
Federal Title, Inc. is a wholly owned subsidiary of Heartland Security Insurance Group (HSIG), a diversified holding company with independent operating units involved in insurance risk and management services.
Frequently Asked Questions


» K&M Tire – Eye on the Future
K&M Tire has always focused on continuous growth and improvement. Our quality customer service and passion for excellence has driven our success in multiple avenues. We continue to expand in select markets throughout the Midwest with plans to increase the overall number of locations.
Our primary goal is to provide superior customer service and value products that allow our dealers to be competitive in their marketplace. At K&M Tire we feel that our family of dealers, of over 5,000 strong, drives us to be better than our competitors, and continue to be at the forefront of the tire industry in programs and services. We are only successful when our dealers are successful.
Here at K&M Tire, we always make the customer the most important person in our business.
K&M Tire started out humbly as a two-bay gas station in 1970 selling gas at only $.30 a gallon. Over the years, through hard work and excellent customer service, K&M Tire has grown into the company it is today. With 15 locations now, serving customers in over 20 states, K&M Tire continues to offer quality service, diversified product lines, and beneficial programs to our customers.
K&M Tire has a team of sales professionals with years of experience backed up by a first-class support staff. We are committed to making your business transactions with K&M Tire as carefree and enjoyable as possible.


How to use this section
Click on the links below or alternatively use the menu on the left for more information about benefits.
- What is Housing and Council Tax Support?
- I am a single adult but my income is too high to qualify for Council Tax Support
- What are non-dependant deductions?
- Deductions from 1 April 2013
What is Housing and Council Tax Support?
Housing Benefit is a benefit that helps you to pay your rent if you have a low income. Council Tax Support is help towards paying your Council Tax charge. They are both administered by Chesterfield Borough Council. Housing Benefit is administered on behalf of the Department for Work and Pensions. Most people who have a liability for rent or Council Tax can claim, although your age or circumstances may affect how much help you can get. Whatever income you receive will be taken into account to see if you qualify. We also need to know who else lives in your property. Find out how to claim Housing and Council Tax Support.
I am a single adult, of qualifying age for Pension Credit, but my income is too high to qualify for Council Tax Support
Even if you do not qualify for Council Tax Support you may still be able to have your Council Tax charge reduced.
If you are single, of qualifying age for Pension Credit, but have other adults living with you who have low incomes, your Council Tax charge could be reduced by claiming Second Adult Rebate. We will need proof of the income of all the other adults in your property. Contact the Benefits Section to find out how to claim.
If you are the only adult over 18 in your property, your charge could be reduced by 25%. You need to contact the Council Tax Billing section.
Read more about Council Tax discounts.
What are non-dependant deductions?
The amount of benefit you get will be reduced if you have someone living with you who is not dependant on you. This is called a non-dependant deduction. We will not reduce your benefit by this amount if you are registered blind or get Attendance Allowance, the care component of Disability Living Allowance or the daily living component of Personal Independence Payment. We need you to tell us if these circumstances apply to you. Are we making a deduction for a non-dependant living with you when we shouldn’t?
Deductions from 1 April 2013
Deduction from Housing Benefit £
Deduction from Council Tax Support £
|Aged under 18 years, or on Income Support/JSA(IB) / ESA(IR, assessment phase) and aged under 25, or on a YTS or getting Pension Credit|
|On Income Support / JSA (IB) / ESA(IR, main phase) and 25 or over|
|Aged 18 or over, not working or working fewer than 16 hours each week |
|Aged 18 or over and working 16 hours or more each week with weekly gross income:|
|Less than £126.00|
|£401.00 or more |
The figures given above are applicable to cases where rent is paid 52 weeks per year. The figures will vary if "rent free" weeks are applicable.


Sea routes, the vast network of navigable waters, have been instrumental in shaping global trade, exploration, and cultural exchange for centuries. These maritime pathways have connected continents, enabled the movement of goods and people, and played a pivotal role in the development of civilizations across the world.
Since ancient times, sea routes have been used for exploration and trade. The Phoenicians, Greeks, and later the Europeans embarked on daring voyages, seeking new lands, resources, and trade opportunities. These maritime endeavors not only expanded geographical knowledge but also facilitated the exchange of goods, ideas, and cultures between distant civilizations.
One of the most significant sea routes in history is the Silk Road Maritime Route, also known as the Maritime Silk Road. This ancient trade route connected Asia, Africa, and Europe, enabling the exchange of silk, spices, precious metals, and other valuable commodities. The Maritime Silk Road played a crucial role in promoting economic growth, cultural exchange, and technological advancements across multiple regions.
Sea routes have also played a vital role in the colonization and expansion of empires. European powers, such as Spain, Portugal, the Netherlands, and Britain, established maritime trade routes to connect their colonies and extract resources. The Age of Exploration witnessed the opening of new sea routes, such as the Columbus’ route to the Americas and Vasco da Gama’s route to India, forever altering the course of history.
In the modern era, sea routes continue to be the backbone of global trade. Around 90% of the world’s goods are transported by sea, as large cargo ships navigate established shipping lanes to deliver commodities to various ports worldwide. These routes connect manufacturing hubs with consumer markets, enabling the flow of goods on a massive scale.
The strategic importance of sea routes cannot be underestimated. Control over key maritime chokepoints, such as the Strait of Malacca, the Suez Canal, and the Panama Canal, provides nations with significant geopolitical advantages. These vital sea routes allow for the efficient movement of goods between regions, ensuring global economic stability.


Isaac is an assistant treasurer and is currently a Trustee and of Stratford Methodist Church. He has over 20 years experience in working in finance department for various organisations. He is part qualified ACCA accountant at the final level and holds a Post Graduate Diploma in Professional Accounting from East London University. He has been providing a massive support to the church and the circuit with his experience. Isaac is passionate about transparency in presenting financial information to trustees. He has created financial policies and procedures for churches in the circuit.
He is always assisting treasurers in the circuit to follow robust finance systems.


Running a preschool business has a great potential in India and is worth of crores of rupees. A preschool business can be started by opting to franchise for a preschool brand or you can open a preschool as well. You need to study the preschool franchise opportunities in India and analyze the preschool franchise cost The franchise option seems lucrative and the one with fewer efforts, however, in the long run, having your own preschool has its own advantages in terms of monetary gains and fame.
In India, more emphasis is being given to education and quality preschool education is highly emphasized. Increasing urbanization and the increase in the number of working couples has led to the rise in demand of good preschools and day care centers. However, as parents are ready to invest on the schooling, they also expect the best for their kids. Hence you need to understand how to set up a preschool with proper planning and management.
A preschool has certain set of requirements. Some of them are basic and mandatory while others are add-on features that make your school more popular. Selecting the correct location is the first and most important requirement.
Parents expect spacious schools that will provide scope for play and extracurricular activities. Similarly, the neighborhood should provide the prospects for admissions too. Hence, selecting the correct location is of prime importance. Apart from the space, the student ratio and the student teacher ratio also needs to convince the parents that the child will receive dedicated attention and care. You need to research these ratios in the existing preschools around you.
Parents are proactive and wish to know the details of the teaching methodologies and curriculum. They are also keen on the overall development of the kid and insist on regular communication between the school and parents. You need to have provisions within the curriculum for all these issues.
As parents are ready to invest on the fee structure, they also expect the best of infrastructure facilities for the kids. You have to invest in a considerable capital that ensures quality and comfort for the kids. The teachers and non teaching staff are expected to be trained in early education and should know how to deal with emergency and other issues. If you have a day care, then parents demand for extracurricular activities in the day care curriculum too.
Several well known and established preschool brands are springing up with their network in major cities and small towns as well. As parents are willing to invest time and money for the kids, they easily tend to prefer established brands.
Therefore, to compete with these schools, you need to have a winning edge in all the aspects and also need to market your brand. Once you are recognized, your preschool business will know no bounds. We are education consultants and we help in designing and developing a preschool business plan. We help you understand the preschool requirements in India and set your own preschool.


NEW YORK (CNNMoney) — The U.S. housing industry — crucial to any jobs recovery — showed more signs of strength, according to two reports issued Wednesday.
The Census Bureau said housing starts and permits rose substantially in August. Separately, sales of previously occupied homes climbed 7.8% from a year ago, according to the National Association of Realtors.
Builders started on new homes at an annual rate of 750,000, up 29.1% compared with a year earlier. They applied to build another 803,000 new homes on an annual basis, a 24.5% jump compared with August 2011.
Home builders have become increasingly bullish — a confidence index from the National Association of Home Builders reached its highest level since June 2006.
Even after recent gains, housing starts lag well behind the peak set in May 2005, when the pace of building hit more than 2 million homes.
from CNNMoney http://money.cnn.com/2012/09/19/real_estate/home-construction/index.html?hpt=hp_t1


Gnoswap is the first decentralized exchange (DEX) built using Gnolang – an interpreted variation of the widely-used Go programming language (Golang) that powers the Gnoland blockchain ecosystem. As an automated market maker (AMM) protocol, Gnoswap features an innovative concentrated liquidity mechanism. This mechanism empowers Gnoswap to offer deeper liquidity for trading pairs, resulting in lower slippage and better trading prices for traders, while also generating more fees for liquidity providers.
Enter the most user-friendly and simple decentralized finance (DeFi) experience where you can seamlessly swap and earn on the most capital-efficient liquidity layer of Gnoland.
For traders, Gnoswap provides a quality trading experience powered by the performance it inherits from Gnoland and a trader-centric interface designed to deliver valuable insights into the market. Furthermore, Gnoswap offers an opportunity to become the earliest adopter of aspiring projects building on Gnoland, which we believe has the potential to become one of the most widely adopted smart contracts platforms in the world with its developer-oriented design philosophy. Lastly, Gnoswap is built with interoperability in mind to remove any friction involved in exchanging bridged tokens from external ecosystems.
For liquidity providers, the concentrated liquidity mechanism of Gnoswap enhances the capital efficiency of tokens in pools to amplify their earnings with higher trading fee rewards. Gnoswap introduces a novel liquidity mining model that incorporates warm-up periods, a concept for rewarding long-term position stakers for their staking commitment, while also offering flexibility to unstake their positions at any time to adjust price range for higher concentration. As a whole, Gnoswap emerges as the optimal platform for liquidity providers to maximize the potential of their capital.
For dApps, Gnoswap is a non-custodial and secure liquidity infrastructure powered by the secure Gnolang, devoid of a single point of failure risks of centralized exchanges. Deployment of liquidity pools is permissionless on Gnoswap to allow any project to provide its community with a place to trade tokens instantly upon launch. The interactive airdrop platform of Gnoswap also allows nascent teams to build a strong potential user base while gaining full exposure across the Gnoland ecosystem.


First American Education Finance is a financial services company dedicated to serving the needs of the education community. We provide customized solutions to help schools deliver the best education possible to their students. Our unique financing solutions help over 500 schools nationwide solve challenges from complex campus projects to equipment management – all through a simple and transparent experience.Partnering with schools to provide the resources needed to succeed.
Visit the First American Website
School Success Stories
Watch FAEF School Success Story videos to see how we have helped schools like yours.
Peer Discussion Events
Sharing new speakers and perspectives with FAEF's colleagues in education.
Customer Connect - A Lease Finance Tool as Unique as Your School
Customer Connect is free for Coalition members' schools.
Customizing finance solutions for your school.
Five Trends Influencing Campus Project Financing
Issued September 2016


The Basic Conditions of Employment Act (section 33) stipulates what must be on a Payslip:
(1) An employer must give an employee the following information in writing on each day the employee is paid:
(a) The employer’s name and address;
(b) the employee’s name and occupation;
(c) the period for which the payment is made;
(d) the employee’s remuneration in money;
(e) the amount and purpose of any deduction made from the remuneration;
(f) the actual amount paid to the employee; and
(g) if relevant to the calculation of that employee’s remuneration—
(i) the employee’s rate of remuneration and overtime rate;
(ii) the number of ordinary and overtime hours worked by the employee during the period for which the payment is made;
(iii) the number of hours worked by the employee on a Sunday or public holiday during that period; and
(iv) if an agreement to average working time has been concluded in terms of section 12, the total number of ordinary and overtime hours worked by the employee in the period of averaging.
(2) The written information required in terms of subsection (1) must be given to each
(a) at the workplace or at a place agreed to by the employee; and
(b) during the employee’s ordinary working hours or within 15 minutes of the commencement or conclusion of those hours.


인구주거학, 주택/도시 경제학, 정책 분석, 공간 변화, 커뮤니티 개발, 사회 불평등
2017.05서던캘리포니아대학교 공공정책대학원 도시계획 및 개발학 박사
2012.05서던캘리포니아대학교 공공정책대학원 도시계획학 석사
2010.02서울대학교 공과대학 건설환경공학부 석사
2008.02서울대학교 공과대학 지구환경시스템공학부 학사
2023.08-현재서울대학교 환경대학원 환경계획학과 조교수
2019.08-2023.07버지니아공과대학교 주거환경학과 조교수
2017.07-2019.06하버드대학교 주택연구센터 박사후과정
▪Lee, Hyojung, and Kristin L. Perkins. 2023. “The Geography of Gentrification and Residential Mobility.” Social Forces, 101(4): 1856–1887.
▪Ding, Lei, Hyojung Lee, and Raphael W. Bostic. 2022. “Effects of the Community Reinvestment Act on Small Business Lending.” Journal of Urban Affairs, 44(9): 1224–1243.
▪Lee, Kwan Ok, and Hyojung Lee. 2022. “Public Responses to COVID-19 Case Disclosure and Their Spatial Implications.” Journal of Regional Science, 62(3): 732-756.
▪Lee, Hyojung. 2022. “Are Millennials Leaving Town? Reconciling Peak Millennials and Youthification Hypotheses.” International Journal of Urban Sciences, 26(1): 68-86.
▪Lee, Hyojung. 2020. “Are Millennials Coming to Town? Residential Location Choice of Young Adults.” Urban Affairs Review 56 (2): 565–604.
▪Lee, Hyojung, and Raphael W. Bostic. 2020. “Bank Adaptation to Neighborhood Change: Mortgage Lending and the Community Reinvestment Act.” Journal of Urban Economics 116 (March): 103211.
▪Lee, Hyojung, Dowell Myers, Gary Painter, Johanna Thunell, and Julie Zissimopoulos. 2020. “The Role of Parental Financial Assistance in the Transition to Homeownership by Young Adults.” Journal of Housing Economics 47 (March): 101597.
▪Myers, Dowell, Hyojung Lee, and Patrick Simmons. 2020. “Cohort Insights into Recovery of Millennial Homeownership after the Great Recession.” Journal of Housing Economics 47 (March): 101619.
▪Myers, Dowell, Gary D. Painter, Julie Zissimopoulos, Hyojung Lee, and Johanna Thunell. 2019. “Simulating the Change in Young Adult Homeownership Through 2035: Effects of Growing Diversity and Rising Educational Attainment.” Housing Policy Debate, 29(1): 126–142.
▪Currid-Halkett, Elizabeth, Hyojung Lee, and Gary D. Painter. 2019. “Veblen Goods and Urban Distinction: The Economic Geography of Conspicuous Consumption.” Journal of Regional Science, 59(1): 83–117.
▪Green, Richard K., and Hyojung Lee. 2016. “Age, Demographics, and the Demand for Housing, Revisited.” Regional Science and Urban Economics, 61: 86–98.
▪Lee, Hyojung, and Gary D. Painter. 2016. “Consumption Inequality in the Great Recession.” Journal of Economic and Social Measurement, 41(2): 145–166.
▪Housing Shortages and Key Linkages to Broader Housing Problems and Solutions, University of Southern California
▪The Role of Metropolitan Characteristics in Cohort Transition into Home Ownership, University of Southern California
▪Pandemic and cities: Smart management, resilience and adaptation in Seoul and Singapore, Ministry of Education of Singapore
▪Cohort Behavior of Millennials in the Housing Recovery, Federal National Mortgage Association
▪Estimated Impacts of Parental Assistance, Wealth, and Family Background on Homeownership of Young Adults, Federal National Mortgage Association
▪Diverted Homeowners, the Rental Crisis and Foregone Household Formation, Research Institute for Housing America of the Mortgage Bankers Association
▪Veblen Goods and Metropolitan Distinction, USC Lusk Center for Real Estate
▪Demographic Change and Future Urban Development, Lincoln Institute of Land Policy
▪Demographics of Recovery in Post-Crash Los Angeles, John Randolph Haynes and Dora Haynes Foundation
▪Studying Demographic Migration, First 5 Los Angeles


Kilopass leads the industry in high density Logic non-volatile memory (NVM) technology on advanced CMOS process technologies by delivering highly reliable, secure and cost-effective logic NVM solutions for System-on-Chip (SoC) applications. Kilopass’ NVM can be found in billions of mobile devices and laptops throughout the world. Kilopass’ DRAM and SRAM technologies disrupt the economics, performance and fab utilization of these ubiquitous and vital memories. Kilopass licenses its technologies to the leading manufacturers of semiconductor chips, such as Samsung, Hynix, SMIC and TSMC.
CEO: Charlie Cheng
Company Headquarters: San Jose, CA


Business Insurance in and around Portland
Cost effective insurance for your business.
Small business owners like you have a lot of responsibility. From HR supervisor to tech support, you do as much as possible each day to make your business a success. Are you a fence contractor, a surveyor, or a sporting goods store? Do you own an advertising agency, a dance school, or a meat or seafood market? Whatever you do, State Farm has small business insurance to cover it.
COVER YOUR BUSINESS ASSETS
The passion you have to serve your customers is a great foundation. When you add business insurance from State Farm, you can be ready for the challenges ahead. That’s why entrepreneurs and business owners turn to State Farm Agent Mark Nguyen. With an agent like Mark Nguyen, your coverage can include great options, such as worker’s compensation, artisan and service contractors, and business owners policies. Let's talk business! Call Mark Nguyen today to learn why State Farm has been rated one of the top overall choices for insurance coverage by small businesses like yours.


Senegal, with a population of about 16 million, is one of the fastest growing economies, with high demand to meet housing needs. The country has all the raw materials to produce enough cement and export to other continents. Senegal has cement production of 2.5 MTPA as against the local demand of 3 million tonnes per annum. Dangote Cement is setting up a 1.5 MTPA Green Field Cement Plant at Senegal which is heading for timely commissioning in Q4 of 2012. Dangote’s investment is one of the biggest foreign direct investments by an African company in Senegal which is an indication of its strong belief in the future growth of the African economy. The investment marks a significant milestone in the Senegalese quest to be self-sufficient in cement production. Dangote Cement when commissioned will provide direct employment opportunities for 1,500 and indirect employment opportunities for 7,000 and will also complement the Senegal government’s efforts in stimulating economic growth and creating jobs.


Operating as an Electronic Money Institution (EMI) License holder in the Czech Republic requires strict adherence to compliance obligations. In this article, we will discuss the key regulatory requirements and obligations that EMI License holders in the Czech Republic must fulfill.
Compliance with AML and KYC Regulations
- EMI License holders in the Czech Republic must implement robust anti-money laundering (AML) policies and procedures.
- Conduct thorough know-your-customer (KYC) due diligence, including customer identification, verification, and ongoing monitoring.
Risk Management and Internal Controls
- Establish comprehensive risk management frameworks to identify, assess, and mitigate risks associated with money laundering, fraud, and other financial crimes.
- Implement internal controls, including transaction monitoring systems and employee training programs.
Reporting and Record-keeping Obligations
- Maintain accurate and up-to-date records of financial transactions, customer data, and compliance measures.
- Submit regular reports to the Czech National Bank (CNB), including financial statements, transaction reports, and statistical information.
Data Protection and Privacy
- Ensure compliance with data protection and privacy regulations, safeguarding customer information and maintaining appropriate security measures.
- Obtain customer consent for the collection, storage, and processing of personal data….
Outsourcing and Third-Party Relationships
- EMI License holders must establish proper due diligence and risk management processes when engaging in outsourcing arrangements or entering into relationships with third-party service providers.
- Regularly assess the compliance and security measures of third parties to ensure ongoing compliance with regulatory requirements.
- Obtain customer consent for the collection, storage, and processing of personal data.
Compliance with regulatory obligations is crucial for EMI License holders in the Czech Republic. By implementing robust AML and KYC procedures, establishing effective risk management frameworks, and fulfilling reporting and record-keeping obligations, EMI License holders can maintain their license, protect the integrity of their operations, and contribute to a secure and trustworthy financial ecosystem.


A little more than a year ago, the Wall Street Journal surveyed economists about their forecasts for 2023. The respondents, who included more than seventy experts from academia, business, and Wall Street, said that a recession was the likeliest outcome, as the Federal Reserve was keeping interest rates high to bring down inflation. They predicted that G.D.P. would shrink slightly in the first half of the year and that job growth would turn negative. In other words, the cost of bringing down inflation would be an economic slump. “Soft landing will likely remain a mythical outcome that never actually comes to pass,” one respondent said.
In January of this year, when the Journal carried out its next survey, economists were still predicting a recession and job cuts. “For 2023 as a whole, economists expect that payrolls will decline by 7,000 a month on average,” the paper reported. These predictions couldn’t have been more wrong. About the only thing the economists got right was that inflation would continue to fall, but even there they underestimated the pace of decline. Earlier this week, the Labor Department reported that the consumer-price inflation fell to 3.2 per cent in October, reversing a slight pickup over the summer. And with gas prices still falling, it seems perfectly possible that the the November figure for consumer-price inflation could begin with a two.
The great inflation spike, which has dominated economic news for the past couple of years, appears to be over. The rate of price increases is still a bit higher than the Fed would like; its target is two per cent. But since reaching a peak of 9.1 per cent, in June of last year, inflation has fallen by almost two-thirds. And this big decline has been accompanied not by the predicted recession but, rather, by a pickup in G.D.P. growth and sustained job creation: the opposite of what economists predicted.
In 2022, G.D.P., which is the broadest measure of the economy’s output, grew at an annual rate of 1.9 per cent, according to the Commerce Department. In the first three quarters of this year, the annualized growth rate has clocked in at 2.2 per cent, 2.1 per cent, and 4.9 per cent, respectively. With the Atlanta Fed’s GDPNow model pointing to growth of two per cent in the final quarter, it looks like G.D.P. growth for 2023 as a whole will be above two per cent. As for jobs, in the first ten months of the year, non-farm employers created about 2.4 million of them, and the unemployment rate is still below four per cent. So much for the forecasts of negative job growth.
It’s conceivable that between now and the New Year, the economy could still fall off a cliff. Over-all retail sales dipped slightly last month, and just this week Target and Home Depot reported that some consumers are holding off on big-ticket purchases. But barring some sort of financial calamity or a dramatic escalation of the wars in the Middle East and Ukraine, it seems unlikely that this weakness will turn into a broader free fall. The October decline in retail spending followed a surge during the summer, and other indicators remain positive. On Friday, housing stats came in stronger than expected.
Taken together, these figures show that the American economy has greatly outperformed expectations over the past year, shocking some of those who argued that a big slowdown and higher unemployment would be required to break the back of inflation. “The US combination of strong growth, low unemployment and falling inflation looks rather like the ‘immaculate disinflation,’ in which I, for one, disbelieved,” Martin Wolf, the Financial Times’ chief economics commentator, wrote last week. Even the former Treasury Secretary Larry Summers, who is now a professor at Harvard and said last year that it would likely take an unemployment rate of six per cent to “significantly restrain inflation,” has rowed back a bit. “Given how strong the economy has been, there’s still a surprise in what’s happened to inflation,” Summers told Bloomberg earlier this week.
To be fair to the inflation hawks, the immaculate disinflation that Wolf referred to has no precedent in recent history, and it has also surprised policymakers at the Fed. At their December, 2022, meeting, Jerome Powell and his colleagues predicted G.D.P. growth of just 0.5 per cent in 2023 and an unemployment rate of 4.6 per cent in the October-to-December quarter. Both of these predictions were way off, but in a good way.
How could economic forecasters have got things so wrong? One possibility is that their dire predictions were not inaccurate but premature, and that higher interest rates will eventually take their toll and bring on a recession. Another possibility is that many economists misinterpreted the nature of the inflation spike to begin with, viewing it primarily as a product of excessive demand rather than of pandemic-era supply disruptions, which have now largely disappeared. If that’s true, economists need to rewrite their textbooks.
The debate will go on, as will the parallel discussion about why, according to opinion polls, most ordinary Americans think that the U.S. economy is doing badly, and give Joe Biden negative ratings on this front. But the fact that many people are still bummed about the price of groceries and the level of mortgage rates shouldn’t be allowed to obscure what is shaping up as a historic victory over inflation. That’s where we are, and it’s worth a holiday toast. ♦


Corrugated shipping boxes help reduce a business’s carbon footprint, as well as save energy. For those that ask, are corrugated boxes eco-friendly, the answer is easy. Corrugated material is highly recyclable and produces 100% recycled paper pulp.
Customized corrugated boxes offer benefits like better product protection during shipping as well as improved branding opportunities with printed logos or graphics. That makes them especially attractive to companies that ship a lot of products and need to make sure that their package reaches its destination safely and looks good in the process.
Corrugated boxes also present opportunities for businesses to create customized green packaging solutions that are tailored specifically to their individual needs. From sustainable materials such as wood pulp to specialized shapes and sizes, it can be adapted to any product situation.
Understanding Corrugated Packaging
Consumer demand for sustainable packaging solutions has been on the rise in recent years, as more and more customers prioritize environmentally-friendly practices when making their purchasing decisions. One example of this is the emergence of eco-conscious packaging materials such as cotton or bamboo fiber packaging.
However, corrugated cardboard is still the preferred option due to its versatility and cost-effectiveness. It can be produced in various sizes, shapes, and thicknesses to suit any product needs, while also being made from renewable resources such as wood pulp that can be easily recycled.
Additionally, it is lightweight yet strong enough to protect products in transit so companies don’t have to worry about goods arriving damaged or broken due to inadequate packaging. This makes it an ideal choice for businesses that are looking for both cost savings and sustainability.
Are Corrugated Boxes Eco-Friendly?
With the rise of digitalization, many industries have been looking into ways they can reduce their reliance on single-use plastics and other unsustainable materials. Modern packaging solutions such as corrugated cardboard offer a great alternative for companies that want to stay ahead of the curve.
The production of corrugated cardboard is powered by renewable energy sources, helping to minimize its carbon footprint and allowing it to be recycled or repurposed for future use.
This type of material has also been gaining traction in the food service industry, where it can be used to safely package food items while maintaining a minimal environmental impact. In fact, many businesses are now shifting towards reusable packaging models, as they offer a more economical solution in comparison to single-use options.
Pro Tip: The lowest board grade that still offers substantial protection for your product is the ideal solution for both lower paper usage and saving money.
Corrugated packaging has become a popular choice across many industries due to its unique properties. Depending on the desired use, there are various types of corrugated cardboard options available, including:
Single-wall: Provides good stiffness and is an economical option for lightweight items.
Double-wall: Offers more strength and cushioning, and is typically favored when shipping heavier items.
Triple-wall: Offers maximum protection for heavy or delicate shipments.
Corrugated Packaging and its Environmental Impact
The use of corrugated packaging contributes to a positive environmental impact. It is made from 100% recyclable materials, such as cardboard and paperboard, which can be recycled multiple times with no reduction in quality.
Paper can be recycled 7 times before its fibers become too short and weak to be used for papermaking. By recycling their corrugated packaging, businesses are not only saving money on manufacturing costs, but they're also contributing to a greener lifestyle.
The production of corrugated packaging is also much more energy-efficient compared to traditional methods. For example, the modern process requires less electricity and water, making it an environmentally friendly method of product packaging.
Lightweight corrugated boxes help reduce shipping costs while also being able to provide sufficient protection for the product during transit. Corrugated packaging is not only an economical alternative but it also helps decrease the amount of energy required to ship goods while significantly reducing the need for other non-eco-friendly materials like plastic, foam, or bubble wrap. Many companies are taking it one step further by using sustainable and biodegradable materials within the box to ensure minimal waste after the product has been received.
Corrugated Packaging for Sustainable Supply Chains
A circular economy is a way of doing business that eliminates waste and ensures the maximum use of resources. It's based on the idea that there should be no such thing as “waste” and instead, products are designed to have an infinite lifespan and continuously provide value.
Corrugated packaging fits into this concept in many ways. For example, corrugated boxes can be reused multiple times and easily recycled when they are no longer able to provide protection for goods. This helps companies reduce landfill waste while also cutting back on their overall manufacturing costs.
When it comes to comparing corrugated packaging to plastic or foam, corrugated options have a relatively low carbon footprint compared to the others, and it can be designed in ways that maximize their sustainability. Corrugated boxes can have removable adhesive seams or staples instead of glued ones, making it much easier to disassemble and recycle them. Additionally, some corrugated manufacturers have prioritized the use of paper made from recycled materials, resulting in fewer trees being cut down for fresh pulp.
Corrugated Boxes: Eco-Friendly Over the Years
Corrugated packaging is an excellent choice for companies looking for sustainable solutions in their supply chain operations. In a society focused on the answer to “are corrugated boxes eco-friendly”, the fact that eco-friendly corrugated packaging reduces waste, increases recycling efficiency, and reduces the impact on forests is a strong response. Meanwhile, sustainable packaging also allows businesses to maintain optimal performance with cost-effective materials.
The combination of innovative designs and advanced technologies makes eco-friendly corrugated packaging a reliable and cost-effective choice for businesses of any size.
Eco-friendly packaging is a great way to reduce waste, increase efficiency, and reduce environmental impact without sacrificing performance or profitability. With its cost-effectiveness and innovative designs, eco-friendly corrugated packaging is an excellent option for businesses looking to minimize their environmental impact.
Businesses can take steps to ensure that their packaging products are certified to meet sustainability standards, ensuring that they are contributing positively to the environment in the long term.


SAFRA (Société Albigeoise de Fabrication et Réparation Automobile) was founded in 1955 and its first vocation was that of coachbuilding on chassis cabs.
Throughout its history, the company has continuously evolved, adapting itself to developments in the domain of public transport. This was demonstrated by the change in activity initiated by Serge Bodoira when he became Chairman in 1978: from being a coachbuilder, Safra became coachbuilder, restorer and repairer. Over the years Safra continued to diversify and the company henceforth developed three complementary activities: car bodywork, industrial and rail bodywork and shopfitting.
Today Safra is based at Fonlabour on a site totalling 8.5 hectares, 16,000m² of which are covered buildings. In 2007 Serge Bodoira initiated the first phase of the restructuring of the company and appointed Vincent Lemaire as CEO of Safra, and appointing himself Chairman of the Safra Group, the majority holding company.
To date, the three activities are of ambitious dimensions for this ever developing and innovating company and for whom its major Businova project is not only a real challenge but also a return to the company's original roots.