Picture this: You’re up early on a weekend morning at your favorite grocery store, looking to get a jump start on your weekend. Virtually the only person in the store a few minutes after six AM, you head back to the meat department to get the main course for a special meal that night. You immediately notice a store employee pulling multiple packs of high-grade meat off the shelves – ribs, filets, steaks and ground beef – and tossing them into a rolling cart. With a sinking feeling, you ask “Are you throwing all of that out?” “Yes,” he replies, “It’s past its sell-by date.” Stunned, you ask, “Don’t you donate any of that?” “No, we don’t do that, we don’t want anyone suing us,” he answers.
Sadly, that’s a fairly typical mindset in retail food stores across the U.S, where litigation fears (and the law) often trump common sense and help sway our collective moral compass. But look deeper. Watch employees at your go-to food retailer continually removing fruits and vegetables from displays in an effort to follow store policy which showcases only the most pristine items. Note how baked goods and prepared foods are robotically discarded on time schedules so that only the freshest items are available for purchase. Take a walk outside to the back of the store and note the multitude of rolling garbage bins. Look inside, and you’re likely to see a plethora of food items – bread, fruits, vegetables, meats – many of which are perfectly good to eat and high in nutrition content – awaiting transfer to a landfill. There they will rot away, polluting the environment rather than serving their intended purpose of nourishing people.
Such is the situation in America today, where far too much of our food supply is squandered. In fact, more than 130 billion pounds of food (or 31% of the available food supply at the retail and consumer levels) with a value in excess of $160 billion was uneaten in 2010. The Environmental Protection Agency estimates that more food (over 70 billion pounds) in municipal solid waste reaches landfills than any other single material in our everyday trash, constituting 24 percent of municipal solid waste in landfills.iii Such gargantuan figures can be hard to fathom, but author and expert Jonathan Bloom made them more tangible for many in noting that we waste enough food in the U.S. to fill the Rose Bowl every day. iv Notably, the USDA figure does not include Cisco Systems’ 2016 estimate of 11 billion pounds of excess food grown, but never consumed, in America’s home and community gardens annually.v
Couple that wastage with the excessive levels of hunger in America, where nearly 50 million citizens (about 15% of the population, many of them children and seniors) live in poverty vi and our wasteful behavior appears irrational. In 2019, there were 35.2 million people or 10.5 percent of households who were food-insecure, meaning that at times during the year, these households were uncertain of having, or unable to acquire, enough food to meet the needs of all of their members.vii Add in multiple other negatives of food waste, including air and water pollution and the opportunity cost of wasted resource inputs, and it is clearly nonsensical. The fact that we continue to waste so much food has long been a conundrum; and it is high time that we transitioned from conundrum to clarity on the gravity of the food waste problem in order to advance meaningful, national efforts to put our food to responsible use. viii
A look back
But let’s back-up a step. A key to that effort involves restoring the degree to which we value food. History, and especially our grandparents, can teach us important lessons in that regard, born from necessity associated with resource scarcity. Periodicals from the War years were full of motivational advertisements developed by the government encouraging the responsible use of food. Food was described as a “weapon” and as “fighting strength” – a resource that would “win the War.” Individuals were encouraged to “lick the platter clean,” “share food,” “preserve food,” and “make food go all the way.” In a wartime environment such admonitions were clearly understood, and they were followed, shaping the values and behavior of that generation.
Today, however, those values are noticeably absent, replaced by a fixation with convenience and saving time that leads to excessive waste. We live in a throwaway economy where portions of items are used with the remainder immediately discarded, and food is no exception. Wasted food occurs everywhere in the U.S., at all stages of the food supply chain – from farm to distributor to retailer to our homes. Just two generations removed from the War years, we have quickly moved from a culture of responsibility regarding our food to a culture of abundance.
Why is that? A few key reasons stand out:
Abundance: Food is everywhere – in vast quantities, in overflowing displays, and in multiple packaging formats. It is available at all hours, and in great variety. It is not only abundant, it is beautiful – perfect in size, shape, and color – and we expect nothing less.
Emphasis on Freshness: It is also extremely fresh. This theme reverberates through the supply chain. Retailers want to be known as having the freshest items; continually culling fruits and vegetables with minor blemishes and discarding prepared foods beyond designated time windows. On the farm, produce deemed “too ripe” (i.e. with limited shelf life) will often simply be plowed under by growers. In our homes, consumer confusion over freshness date labels (best by, sell by, use by, best before, etc.) and a “when in doubt, throw it out” mentality fuels additional food discards.
Low Cost: Our food is relatively inexpensive, indeed considered “cheap” by most of the world — although that cheapness is artificial as many of the true costs involved in the production of our food (e.g. subsidies and environmental costs) are not borne by the producers.ix That perception has created a system in which consumers are quick to discard food nearing shelf-life dates for fear of sickness, while retailers act similarly due to fear of liability exposure and reputational risk. Such a mindset is easy because in much of the country trash is easy, and disposal to landfill is relatively inexpensive.
Lack of knowledge/connectivity: For decades, millions of home and community gardeners were blessed with excess produce, but lacked knowledge of both the great need for that food across the country and the local agencies where it could be taken and put to best use. Where donation connections were publicized, they tended to emphasize processed food in jars, cans, and boxes, and not fresh fruit and vegetables, for ease of storage and distribution. Similarly, larger farmers and growers often had excess produce on hand, but passed up the opportunity for donations due to lack of knowledge of, or lack of access to, relief agencies in need and/or effective gleaning teams to harvest the excess food. Concerns over operational disruption and/or liability fears further suppressed the incentive to donate. In short, these constraints reinforced the notion that produce was abundant, and easily discarded or plowed under.
Not surprisingly, the combination of all of these themes – abundance, perfection, low cost, freshness premiums, consumer confusion, cheap disposal options, and lack of connectivity – has led to an alarming amount of wasted food which really shouldn’t be viewed as “waste” at all but instead as a valuable resource to be unlocked for the benefit of people and planet. Myriad factors related to production and distribution (including weather, pests, machinery damage, package damage, transportation delays, supply and demand variability, etc.) result in additional losses.x
We need to reset this situation, yet it’s particularly concerning to note that estimates of food waste have been on the rise.
We need to reset this situation, yet it’s particularly concerning to note that estimates of food waste have been on the rise. A 1977 government study estimated that 20% of the food produced for consumption in the U.S. was lost annually. A study twenty years later put that figure at 27%, while more recent estimates are in the gains over the same period. Further, a landmark report estimated that food waste and loss across the 30-40% range.xi Obviously a disconcerting trend when one considers the accompanying technologicalglobe could be as high as 50% annually.xii Such inefficiency is staggering. What business enterprise could survive with that level of waste?
The consequences of food waste are serious – socially, morally, environmentally, and financially.
The consequences of food waste are serious – socially, morally, environmentally, and financially. At the most basic level, by wasting food we miss the opportunity to feed people – our neighbors – and therefore miss the ability to spread goodwill and build community. Today, hunger is largely an issue of nutrition, and by discarding fruits, vegetables, dairy products and meat proteins, we deprive those in need of the high-quality calories that they need most for good health. With more than one-third of the adult U.S. population now obese, and the estimated annual medical costs of obesity at roughly $150 billionxiii, the potential to improve nutritional intake for people experiencing nutrient deficiency by redirecting excess high-quality food to relief agencies is enormous. In fact, wasted fruit can be viewed as “the low-hanging fruit” in this arena.
Wasted food also significantly harms the environment. Food that decomposes in landfills creates methane gas, which the U.S. Environmental Protection Agency (EPA) shows has more than twenty times the global warming impact of carbon dioxide. xiv Wasted food also consumes limited landfill space and leads to water pollution through run-off.
Notably, wasted food involves the waste of all of the resources that went into producing it in the first place – water, fertilizers and pesticides, fuel, and all of the associated human capital and labor. Together, the environmental harm and the wasted resource inputs associated with food waste carry great financial cost. Further, some reports note that the U.S. spends another $1 billion annually just to haul excess food away.
Hunger. Health. Environment. Economy. Food waste traverses all of these themes. As such, it is more than an issue of food security – it is an issue of national security. Reducing wasted food and redirecting those food assets to other positive uses is a challenge, but also an enormous opportunity – one that not only feeds people, improves health, benefits the environment, and saves money, but also one that has the potential to bring communities closer together. It’s an opportunity that we can ill afford to miss.
Embracing that opportunity involves mindset change such that our everyday decisions are guided by the desire to optimize our use of food – much as we do with any scarce resource. To get there, we need to first become more aware of the food waste problem, open our eyes to the amount of waste that is occurring, reexamine our values, educate ourselves and others on the consequences of that waste, and change our behavior while also raising our expectations of others (such as our favorite retailers and restaurants) in the food supply chain. This is not such a difficult transition if we all simply look a little harder at all of the waste that is occurring around us and consider the great potential in that food.
The EPA’s Food Recovery Hierarchy is a useful tool to guide this behavior shift – providing individuals and organizations with a tier of options for optimizing the use of potentially wasted food ranging from most preferred to least preferred. The hierarchy starts with source reduction (i.e. not producing food waste in the first place), and moves to feeding people, feeding animals, industrial uses, composting, and landfill. For backyard gardeners and farmers/growers of all sizes, feeding people is obviously the preferred goal once the food is produced. A commitment to follow the hierarchy, particularly by food sector organizations dealing in significant volumes of food, is a significant step toward minimizing waste and maximizing the value of food. Such an effort often results in financial savings, environmental benefit and positive press in the community along with inspired employees. A fine example is Campbell Soup’s Just Peachy salsa effort, in which the company partners with local peach producers and the Food Bank of South Jersey to produce jars of salsa from off-spec peaches that, while perfectly delicious, would not qualify for retail distribution and would otherwise go to waste.xv The Food Bank buys the peaches for a heavily discounted rate, giving the farmers an outlet and allowing them to earn some revenue from the peaches rather than paying to dispose of them. Campbell donates manufacturing and packaging costs, and its employees volunteer to help package the jars for distribution to retailers. Sale of the salsa generates income for the Food Bank to finance hunger-relief efforts, farmers save money, food is diverted from landfill, and Campbell gains standing in the community while also inspiring its employee base (helping to both attract and retain talent).
In the U.S., a significant percentage of annual food waste occurs at the retail level, where individual consumers have the opportunity to play a big role in driving food waste reduction. That shift starts with increased awareness of the gravity of the problem, which is getting a push from the Ad Council’s current “Save The Food” campaign along with an ever increasing supply of articles and media posts on the subject. Food waste is big news, as it should be, because it makes no sense. More formal educational efforts should be implemented to impact youth – our future legislators – on the consequences of food waste and the potential locked within excess food. Teaching our kids that wasting food is “not cool” will hasten the shift from a culture of abundance to a culture of responsibility.xvi Together, impactful awareness campaigns and education efforts should propel a reexamination of our values regarding food – returning us to the mindset of our grandparents where food was appropriately valued as the life- sustaining resource that it is. With newfound knowledge, consumers should be questioning not only their own behavior regarding food (and how not to waste it), but the behavior of producers, retailers, and restaurants as well. When consumers consistently reward responsible corporate behavior with their purchasing dollars, we can expect acceleration in the shift toward minimizing food waste.
Broadly, food waste is a simple issue to get behind. After all, who would argue that more food waste is a good thing? With rising awareness of the social and environmental benefits to reducing food waste, and the growth in technology-based solutions to facilitate redistribution of excess food, it is now much easier for the average individual to act responsibly regarding food. The real challenge is largely cultural – changing mindsets and values broadly and deeply enough such that minimizing food waste is the expectation among all of the players in the food system. And viewed in conjunction with pressing themes of hunger, health, environment, economy, community, and security, it’s clear that achieving that cultural shift is more than just an admirable goal.
Steven M. Finn, Lauren Goldberg, and Gary Oppenheimer, August 2019
i https://www.law.cornell.edu/uscode/text/42/1791 The Bill Emerson Good Samaritan Food Donation Act
ii Buzby, et al. The Estimated Amount, Value, and Calories of Postharvest Food Losses at the Retail and Consumer Levels in the United States. USDA Economic Information Bulletin Number 121. February 2014.
iv Bloom. American Wasteland. Da Capo Press. 2010.
v AmpleHarvest.org. Food Waste In America. 2016. Available at: http://ampleharvest.org/food-waste-in-america/
vi Feeding America. Hunger and Poverty Facts and Statistics. 2016. Available at: https://www.feedingamerica.org/research
vii Bloom and Finn. Food Waste: From Conundrum to Clarity. In Food Waste Across the Supply Chain: A U.S. Perspective on a Global Problem. Council for Agricultural Science and Technology. 2016.
viii Bloom and Finn. 2016.
ix Kantor, et al. Estimating and Addressing America’s Food Losses. Food Review. Jan-April, 1997.
x Finn. Valuing Our Food: Minimizing Waste and Optimizing Resources. Zygon –Journal of Religion & Science, December 2014, V. 49.
xi Fox, et al. Global Food: Waste Not, Want Not. Institution of Mechanical Engineers. November, 2013. xii Centers for Disease Control and Prevention. Adult Obesity Facts. 2016. Available at: https://www.cdc.gov/obesity/data/adult.html
xiv Just Peachy Salsa Raises Funds For Hunger Relief. Available at: http://www.campbellsoupcompany.com/newsroom/news/2015/08/27/just-peachy-salsa-raises-funds- for-hunger-relief/
xv Bloom and Finn, 2016.


ISLAMABAD, (APP): The Economic Coordination Committee (ECC) of the Cabinet on Thursday approved to import of 50,000 MT of sugar to maintain sufficient stock in the country.
The ECC approved to import sugar in 03 segregated tenders of 50,000 MT each so that there is more participation and increased competition when international prices fall down, said a press release issued by the Ministry of Finance here.
Finance minister Shaukat Tarin presided over the meeting of the Economic Coordination Committee (ECC) of the Cabinet.
Secretary, M/o Industries and Production, Jawwad Rafique Malik briefed the Committee about the availability of sufficient stocks of sugar.
He further apprised about the steps being taken to import sugar for building strategic reserves.
The Committee further emphasized ensuring a smooth supply of sugar throughout the country and directed to initiate crushing by sugar mills at the beginning of November 2021 as done last year.
Finance Division presented an updated summary regarding Kamyab Pakistan Program (KPP) before ECC.
The program has been streamlined in consultation with stakeholders to disburse micro-credit for uplifting marginalized segments of society.
KPP has five components namely Kamyab Karobar, Kamyab Kissan, Naya Pakistan low-cost Housing, Kamyab Hunarmand, and Sehatmand Pakistan. Under the first 03 components, micro-loans shall be disbursed among eligible persons registered with Ehsaas through the National Socio-Economic Registry (NSER) who have a family income of up to Rs.50,000 per month.
The last two components of KPP will be integrated with the existing programs.
KPP is aimed to integrate with Government’s ongoing skill development program for imparting educational and vocational training.
As per the revised framework of KPP, the selection of Wholesale Lenders (Banks) will be through competitive bidding in line with PPRA rules.
The Micro Finance Providers (MFPs) will be selected by the wholesale lenders.
The Government will provide two guarantees of a 10 percent first loss guarantee to MFPs and a 50 percent guarantee to Wholesale Lenders (WLs) on a pari-passu/risk-sharing basis.
During the first phase, KPP will be launched in Balochistan, Khyber Pakhtunkhwa, Gilgit-Baltistan, AJK, and a few of the poorest districts of Sindh and Punjab. KPP will be extended to the whole of Pakistan eventually.
On the implementation side, the Kamyab Pakistan Information System (KPIs), a digital portal, is being established which is fully integrated with telecommunication companies, NTC, Ehsaas/NSER, and NADRA for verification of beneficiary’s eligibility.
After due deliberation, the ECC approved the Kamyab Pakistan Program for onward submission before the Cabinet.
The members of ECC commended the salient features of the Kamyab Pakistan Program and regarded it as a flagship initiative of the present government to empower the under-privileged population having limited resources.
The ECC considered and approved another summary by the Finance Division regarding the fixation of dividends at the rate of 10 percent on the face value of SBP shares for the financial year ended on June 30, 2021.
Ministry of Industries and Production presented a summary regarding approval for disbursement of salaries to PSM employees for the FY/2021-22.
After due deliberation, the ECC accorded approval for payment of salaries to the employees on monthly basis till the implementation of the complete human resource retrenchment plan.
The ECC considered and approved a Technical Supplementary Grant (TSG) in favor of the Ministry of Interior for the construction of Frontier Constabulary Training Centre, Michni, Khyber Pakhtunkhwa amounting to RS.50 million during FY 2021-22.
The ECC accorded approval for the lowest bid received for the award of the fourth international wheat tender for the FY 2021-22 to import 120,000 MT of wheat as tabled by the Ministry of National Food Security and Research.
The Finance Minister, as a Chairman of ECC, stated that mutual consultation will pave the way for collective decision-making under the umbrella of Cabinet Committees.
This facilitates the process of decision-making in the public sector.
The ECC considered and approved another summary presented by the Ministry of National Food Security and Research for the purchase of 40,000 MT of Wheat from PASSCO by the World Food Programme (WFP).
M/o Energy presented a summary regarding financial support to GENCOS.
After detailed deliberations, the ECC approved Rs. 500 million as a Technical Supplementary Grant out of the total budget allocated to the Power Division.
Lastly, the ECC considered and approved another summary presented by the Power Division regarding 40 percent payment of the total amount payable to IPPs of 2002 policy.
Among others, Federal Minister for Planning Asad Umar, Federal Minister for Energy Hammad Azhar, Federal Minister of National Food Security and Research Syed Fakhar Imam, Federal Minister for Railways Azam Khan Swati, Minister of State for Information and Broadcasting Farrukh Habib, Federal Secretaries, Governor State Bank, and other senior officers participated in the meeting.
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In order to maintain our swimming programme for all children we would be grateful if you would make your yearly swimming contribution of £50 via two ways. Either by our My Donate page (see link below) or via Parent Pay (see link below).
If you are paying via My Donate, please click on Gift Aid if you are a taxpayer. Due to the charitable status of the swimming pool, we are able to claim Gift Aid if you tick the box on the My Donate page. This enables us to claim extra funding from central government which we can use to further provide educational resources for your child(ren). Please click! However the choice of how to pay is completely up to you!
Or if preferable, you can pay via Parent Pay which has been set up for you to pay your contribution in instalments if this is favourable to you. The fees are £50 per child, which works out at approximately £1.30 per lesson for every child from Reception to Year 6 to enjoy the benefits of a weekly swimming lesson. I am sure you will agree this is excellent value in comparison to the costs you would incur for private swimming lessons elsewhere which average £6.70-£9 a lesson (and that is without the cost of transport!) If you have more than one child at The Hayes, please feel free to pay over two terms.


Renovating your home can infuse new vitality into your living space, yet often it accompanies a substantial price tag. However, with strategic planning and creativity, you can accomplish your renovation aspirations while adhering to your budget. Here are some money-saving ideas to contemplate for your renovation project:
1. Establish a Realistic Budget: Prior to delving into your renovation project, set a practical budget grounded in your financial circumstances and priorities. Conduct research on the costs of materials, labour, and other expenses associated with your renovation to ensure your budget aligns with your objectives.
2. Prioritise Renovation Needs: Identify the primary areas of your home that necessitate renovation and prioritise them based on urgency and significance. Concentrate on addressing essential requirements like structural repairs, safety enhancements, and functionality improvements before tackling cosmetic enhancements.
3. DIY Whenever Feasible: Trim expenses on labour costs by undertaking certain renovation tasks yourself. DIY projects such as painting, installing flooring, and minor repairs can notably reduce expenditures. Nonetheless, be pragmatic about your skills and capabilities to circumvent costly errors necessitating professional intervention later on.
4. Shop Around for Deals: Dedicate time to compare prices for materials, fixtures, and furnishings. Hunt for sales, discounts, and clearance items at home improvement stores, online retailers, and local suppliers. Consider purchasing gently used or refurbished items to economise even further without compromising on quality.
5. Reuse and Repurpose: Embrace the concept of “upcycling” by repurposing existing materials and furnishings in your home. Salvage usable materials like wood, hardware, and fixtures from demolition or renovation debris and integrate them into your project. Innovate with furniture and decor by giving old pieces a fresh coat of paint or repurposing them for new functions.
6. Consider Alternative Materials: Explore cost-effective alternatives to high-end materials and finishes without compromising on style or durability. For instance, opt for laminate flooring instead of hardwood, laminate countertops instead of granite, and vinyl siding instead of wood. Investigate eco-friendly and sustainable materials that offer long-term savings and environmental advantages.
7. Plan for Efficiency: Include energy-efficient upgrades in your renovation plans to save money on utility bills in the long term. Install LED lighting, programmable thermostats, energy-efficient appliances, and insulation to reduce energy consumption and enhance comfort. Take advantage of government incentives and rebates available for energy-efficient home improvements.
8. Avoid Structural Changes: Minimise costs by refraining from major structural changes that necessitate extensive demolition and reconstruction. Work with the existing layout and footprint of your home wherever possible to diminish labour and material expenses. Concentrate on cosmetic enhancements and functional upgrades that enhance the aesthetics and usability of your space without major alterations.
9. Negotiate with Contractors: When engaging contractors and tradespeople for your renovation project, do not hesitate to negotiate prices and explore flexible payment options. Obtain multiple quotes from reputable professionals and discuss ways to streamline the project timeline and reduce costs without compromising quality or safety.
10. Plan for Contingencies: Allocate a budget for unforeseen expenses and contingencies that may arise during the renovation process. Set aside a contingency fund of 10-20% of your total budget to cover unexpected issues, changes in scope, or project delays. Anticipating contingencies in advance will help mitigate financial stress and ensure your renovation remains on track.
By implementing these money-saving ideas and adopting a strategic approach to your renovation project, you can attain your desired outcomes while maximising value and minimising costs. With meticulous planning, creativity, and resourcefulness, you can revitalise your living space without straining your finances.


The ASX Ecosystem is being developed with a focus on asset diversification and ease of access for investors. The ecosystem will consist of a number of funds, beginning with the Flagship Fund, a multi-asset fund consisting of real world assets (RWAs), yield bearing defi positions, and investments in early stage venture capital deals. The Flagship Fund will work in tandem with the ecosystem token ($ASX), via both growth and yield distribution mechanics.
Following the successful launch of ASX and distribution of $ASX to community members, the team will seek to establish new single asset funds via on chain raises. All subsequent funds will benefit the growth of the ASX ecosystem and $ASX token.


We are at the beginning of a technological revolution
We create, we take risks, we live our passion
We launched Residence to fund innovative early stage companies in expanding markets. We believe in the power of people and put founders at the forefront. Our goal is to help startups get initial traction, build relationships and scale. Our research is focused around consumer patterns, habits and behaviors using technology as a common denominator.
Areas of Interest:
FinTech, eCommerce, Healthcare, Artificial Intelligence, Virtual & Augmented Reality, Real Estate.


Dalmacijavino is a company with more than 70 years of tradition in the production of top-quality wines, spirits and soft drinks. Our long history and strong connection with Dalmatia is rooted in our recognizable products, which for generations of our customers have had an almost cult-like status.
Our products combine exceptional quality and the best ingredients of Dalmatian origin, providing an authentic local experience of the Dalmatian philosophy of enjoying life.
Mission and Vision
Our vision is to become the leading manufacturer of quality wines with strong presence on the Croatian and foreign markets. At the same time, our goal is to become recognizable for our heritage and the Dalmatian philosophy of life so as to become the first choice for our customers.
We want to become a locally relevant and contemporary manufacturer of wines. We will build our success on our experience and tradition, as well as innovations in the development of quality products. We will be a responsible partner to all participants in our chain of value. We will provide our buyers and consumers with products that combine the quality and best ingredients of Dalmatian origin, we will ensure our employees a stimulating working environment, our suppliers and business partners sustainable business models, and added value for our local community.
Continuing a decades-long tradition, our top-quality Dalmatian drinks allow our customers to feel and experience the Dalmatian way of life and to learn to take joy in living in the moment. Constant investments in the development of our business create new value for all our stakeholders and the community we operate in.
Focused on the satisfaction of our buyers and consumers, we constantly work on raising the quality and appeal of our products and introducing innovative products on the market. The extent of our product range allows us to be present in life of all generations, combining a contemporary approach, a positive nostalgic sentiment and a unique Dalmatian philosophy of life. We are committed to conducting ourselves responsibly on the market, investing in innovations and developing relations that will benefit our buyers, consumers, employees, business partners and the community.
Dalmacijavino products are present and compete on several foreign markets, achieving exceptional results on the markets of Slovenia and Montenegro. In Slovenia, we are present with various spirits, our biggest export being our Travarica herb brandy, which holds a market share of over 90 % in its category. In the wine category, our wine Pelješac has the largest sales share on the Slovenian market. In addition to a line of spirits, our exports on the market of Montenegro also include wines, of which Šjor Bepo is one of the best-selling table wines. Some of our products present on the market of Bosnia and Herzegovina include Pelinkovac, Vodka and Gin, the top-quality wine Merlot, our vinegar Kvasina and our soft drink Pipi, which holds a market share of over 90 %. In addition to regional markets, our export markets include other foreign markets such as Austria and Germany. The Austrian market is particularly interesting to us, where, for the very first time, we are present with the soft drink Pipi in the HoReCa sales channel. By the end of the year, we expect to place Dalmacijavino products on the markets of the USA and Canada.
For information on product prices, please feel free to contact us via email firstname.lastname@example.org.
If you want to become a part of our team, contact us at email@example.com
1946 The legal predecessor of Dalmacijavino, was established, the company Vinalko, as a part of the plant to revitalize the wine industry in Croatia.
1948 The wholesale business Vinalko, seated in Split, branched off from the parent company Vinalko.
1951 Another wine company, Dalmatinac, with a large number of its own taprooms, was established.
1952 The National Council of the City of Split took over the Split Vinalko. The Company had branch offices in Šibenik and Dubrovnik, as well as wine cellars in Split, Kaštel Stari, Šibenik and Bol.
1958 The National Council of the Municipality of Split established the company Vinarski podrumi.
1960 Vinarski podrumi changed its name into Dalmacijavino.
1961 The companies Dalmatinac and Vinalko merged with Dalmacijavino.
1963 The new unified company Dalmacijavino began its operations, as an enterprise for the production, processing, finishing treatment and transport of agricultural food products.
1967 The companies Vrgorka and Drniš Winery, a business unit from the agro-industrial plant Petrovo Polje, merged with Dalmacijavino.
1968 The enterprise experienced a significant economic growth.
1975 A new bottling plant for soft drinks, and a vinegar factory in Drniš were constructed. In the same year, the spirit factory in the northern Split port was expanded, and new vineyards were planted in Dalmatia.
1990 Dalmacijavino began to experince a significant decline in production and sales due to the collapse of the SFRY and growing competition.
2001 The enterprise became a joint-stock company under the name Dalmacijavino d.d.
2012 Bankruptcy administrator were initiated for the company, and a liquidator was appointed.
2016 The company Dalmacijavino was privatized by a new owner.
2017 A new visual identity and the new slogan “Take it Easy” were presented to the public.
From our Archive
Dalmacijavino boasts with decades of successful business operations. During this period, the company has gone through expansions and constructions, introductions of new technologies, creations of new brands, appearances at trade fairs… We’ve peeped into our archives and discovered photos that show us these interesting times and decided to share some of them with you. Explore our gallery and take a look at what it used to be like.
Cultural Activities within the Company
Dalmacijavino had its own monthly newsletter Dalvin, established in 1972.
In it employees could read all about important events within the company and various other contents. The editor of the newsletter was Mr. Želimir Bašić.
It is always easier to work to a nice tune, and Dalmatia was never short on good singers, so it was only logical that the company founded its own traditional Dalmatian a cappella group (klapa), called Dalmacijavino, in 1970, whose members were employees of the company.
Trade Fair Appearances
Specialized trade fairs are indispensable for the promotion of a company’s products. Dalmacijavino appeared on many such fairs throughout the years. Here are a few photos of some of them.
The entire product range of Dalmacijavino was presented for the very first time at the 12th International Wine Fair, held in Ljubljana in 1966.
In 1972, Sarajevo hosted a large-scale wine fair in Skenderija, at which Dalmacijavino had the biggest exhibition area with its complete range of products.
The wine fair in Ljubljana is one of the most respectable events of this type, which is why Dalmacijavino has regularly presented its products there. This photo is from 1978.
Relations with Slovenian partners were excellent – since 1968, products of Dalmacijavino were stocked by Prehrana, the largest sales centre in Slovenia at the time.
Dalmacijavino has always been ready to help with the organization of cultural and sports events. Here are a few examples.
In 1971, Dalmacijavino was the main sponsor of the Sinj Alka, a traditional event that spread the word about Croatia and Dalmatia world-wide.
Dalmacijavino was also the main sponsor of the soccer championship held in 1979 on the legendary Hajduk stadium, Stari plac.
The company was also one of the sponsors of the 1971 motor sports championship of Yugoslavia.
Dalmacijavino products have always reached their consumers by land or sea, it was only the means of transport that were changing throughout the years.
The image from 1968 of wine transported by railway appears impressive even today.
Ships owned by Dalmacijavino collected grapes from islands, bringing them to Split for processing. This is a true example of the cooperation characteristic of these times.
This photo was taken in 1980.
Vespas as a means of transport for couriers in the 1980s provided an excellent way of meandering the city centre streets.
The transport of goods is inconceivable without trucks; these are some of the Dalmacijavino trucks.
Dalmacijavino owned facilities not only in Split, but also in some other Dalmatian cities and towns. These are some of the buildings.
Seldom is the design of consumer goods as significant as when it comes to packagings for wine, spirits and soft drinks. We have always paid particular attention to the appearance of our packaging, so that it would suit the spirit of our brand, as you can see from this brief overview of some of our most popular wines and spirits.
Bogdanuša and Faros 1974.
Šjor Bepo and Barba 1968.
Various wines 1971.
Various wines 1978.
Amaro Isolabella 18 is a prominent Italian brand of amaro that won numerous prestigious awards and gold medals for quality in the world and former Yugoslavia, and Dalmacijavino has been manufacturing it since 1966.
Various beverages 1980.
Vecchia Romagna Brandy 1980.
Vecchia Romagna was developed during the Mediterranean Games.
Tequila Mexicana was the first tequila manufactured in Yugoslavia and is yet another indicator that Dalmacijavino has been at the forefront of creating new trends.
Cooperation with Coca-Cola
We’ve always had a keen sense for recognizing the quality and potential of global brands. One of the many successful collaborations over the years was our production of Coca-Cola, the world’s most popular soft drink, which has been bottled in our facilities since 1980. Ours was the only bottling plant in this part of Europe that could boast of this achievement.
Wines and spirits may be what we are most famous for, but one soft drink has made the name of Dalmacijavino known throughout the entire former Yugoslavia and beyond – the carbonated orange soft drink Pipi, known by many generations as the soft drink of their childhood. The TV commercial for the drink from the 1980s has become an iconic moment of Croatian advertising history. Here are a few photos from the history of this popular refreshing drink.
In 1971, the first Pipi label appeared.
This is the appearance of the very first Pipi girl.
The modern Pipi bottling plant in the Northern Port during the 1980s.
Veljko Rogošić, swimming marathon world record holder, was the first face of Pipi and took part in many marketing activities carried out by the company at the time.


In 1987, with one desk and one telephone, founders Bob Cegla and Mike McDonald joined forces to start Liberty Display Group. After many long hours of hard work and perseverance, what started as a small shop soon grew, with the team hitting a half-million in sales in its first calendar year.
In 1990 we moved to our current 30,000 sq. ft. location and have continued to grow in this facility.
Over the years as our reputation for quality products grew, LDG has become a vendor for some of the nation’s largest retailers and consumer product manufacturers.
Following the unfortunate passing of Bob Cegla in 2017, Mike has carried on their vision of Liberty Display Group’s future by investing in new system processes, equipment and our most valuable asset, our employees.


Tax Debt Options
If you are in the unhappy situation of simply not having the money to pay back federal income taxes that you owe, you have three courses of action:
- You can get an installment agreement, in which you will pay the full tax liability, but over an agreed-upon period of time.
- You can file for an offer in compromise, in which you pay less than the full amount you owe, based on a negotiated agreement with the IRS.
- Your choice will depend on your financial situation, how much you owe, and how much time remains on the statute of limitations for your tax liability. Generally, the IRS has 10 years from the date of the assessment to collect the tax.


In line with the principles of sustainability, ESSSR operates as a virtual organization, i.e. it entails no new building or facilities, meaning it leads to no additional costs to members. However, it requires a committed person (a permanent member of staff) with the usual office facilities, so as to allow coordination within each institution. The use of these resources will be optimized and, by means of joint initiatives, it will strengthen the profile, performance and scientific outputs of the member universities in the field of sustainable development, making the modest investment they make, a worthy one. The income streams and expected revenues are as follows:
- Revenues from research projects member universities will apply together
- Revenues from PhD student fees (for those universities which charge them)
- Revenues from courses and events member universities will jointly perform
Combined, the 3 revenue streams ensure that ESSSR provides an added value to each member. Member universities are free to define their own finance and activity plans, based on their own resources.
The Consortium meets once a year virtually to look back on past achievements and learn about new and future acitivities of the network, and all members are welcome to attend these meetings. Regular news messages sent by the Hamburg team inform on opportunities, e.g. partner in European research project applications, getting engaged in joint publications or taking part in sustainability events.


The wood pallet is the workhorse of the U.S. supply chain. Most products manufactured in the U.S. are transported on top of a pallet. Every year approximately two billion pallets are circulated in the United States. The Grocery Manufacturers Association (GMA) pallet accounts for more than 30 percent of this usage and represents more than 280 million new pallets annually.
The GMA pallet is 48 inches by 40 inches. It is wood intensive, expensive, and heavy. For the past 70 years, wood has been the preferred material choice of pallet suppliers. Even today, more than 90% of all the pallets in use are made of wood. Widespread availability and cheap production costs are the primary reasons. Raw material costs usually run above 50% for many pallet manufacturers.
The GMA pallet has changed very little over the past seven decades. Until now, that is. Compare Pallets LLC’s GreenBlock Pallet to the standard GMA pallet and the benefits are clear and significant. GreenBlock will reduce the amount of wood used in a standard GMA pallet by over 25%. GreenBlock will reduce the weight of a that standard GMA pallet by over 25%. And GreenBlock Pallets will enable pallet manufacturers to nearly double the number of pallets shipped per truckload, reducing fuel costs.


Middle School Quad (behind the Gym)
Puma Marketplace will feature 40+ Puma entrepreneurs selling baked goods, drinks, crafts, jewelry, and services! Over the last 2 months, they have attended 4 classes to learn about creating a business plan, marketing, branding, and pricing. They heard from local entrepreneurs and learned what it takes to start a successful business. They have spent countless hours at home to create and finalize their precious products. They are ready for you!
Please come support your Puma entrepreneurs by purchasing their products and services!
Our young and generous entrepreneurs have decided to donate 10% of all proceeds to local charities with 100% PTSA match.


Welcome to another monthly Net Worth update! This time its Net Worth June 2018 edition:
For those that are new, I will be posting these on a monthly basis to show my progress towards Financial Independence. The purpose of these is not to brag, or show off what I have, merely to show that little by little, even over the course of just 28-31 days, much progress can be made.
In addition, by tracking and posting this on the blog where everyone can see, I’m hoping this helps to hold me accountable to my goals. Where slip ups and unchecked spending can easily be passed off by keeping it to myself, with other people watching it should help to keep me in line! (Nothing like trying to avoid public humiliation to keep you motivated!)
If you haven’t already, check out last month’s report from May.
I feel like I say this every month, but didn’t June go by too fast?? It’s crazy how the first half of the year has flown by.. time needs to slow down!
This month I was super active during my free time on the weekends. One of the hobbies I’ve picked up over the years is being more outdoorsy and going hiking. I’m a sucker for an incredible view!
Luckily, this month had plenty of those.
Harper’s Ferry National Park was first (where John Brown made his infamous raid for my fellow history nerds):
Next up was Catoctin Mountain Park up in Maryland! (This view is at Chimney Rock for those in the area).
Lastly, I made my first trip of the year up to Shenendoah National Park. This place is absolutely gorgeous and I’ll be spending a lot of time out here over the next few months while it’s nice out:
If you want to keep up with my adventures, follow me on Instagram!
The one weekend I didn’t hike I made the drive up to see my parents. It’s a long drive, but I usually make it every quarter to go see them. Luckily my work is flexible so I can work that Friday from my parents house, so I get to see them for an extra day as well.
Family is extremely important to me so making these trips is something that will always be in my budget.
Now for the real reason you’re here!
June breaks down as follows:
After coming so close last month I finally made it to six figures!! The anticipation was killing me, but the market and my savings rate held up enough to allow me to get there!
Cash: $13,468 – $922
The cash was helped out mostly by my savings rate but also because my boss allowed me to charge a little extra for OT hours I was putting in. I’ve really been doing this the past few months, so it’s nice I was able to actually get paid now for some of those hours!
With my Roth IRA already maxed out for the year, I’m now turning all excess cash into a rental property fund. I’ve been reading up on many blogs and listening to podcasts on how it all works, and I’m ready to get more serious about it. With any luck I could potentially own a property by the end of the year!
401K: $59,761 – $1,456
Contributions this month totaled $1,831 (Employer Matching included). The market was down for me here, but up in others as you’ll see below.
I’m a little more diversified in this one, and (don’t quote me on this) but I think International stocks were down last month driving my negative returns.
My balance is 100% in stocks right now, split roughly 70/30 – Domestic/International.
Roth IRA: $11,657 – $188
I maxed out my Roth IRA back in March, so this will flow with the market for the rest of the year.
This account is all invested in a Vanguard mutual fund for Mid-Cap stocks.
Brokerage: $13,377 – $413
No contributions here, so just normal ebbs and flows of my investments.
I originally invested $12K into the account, $10K in the low fee VTI (Vanguard Total Stock Market ETF) and $2K in a high yield dividend paying stock.
HSA: $2,198 – $221
I opened my HSA account at the end of November last year after turning 26. This gain was straight from monthly contributions.
Unfortunately, this is all held in a Cash position right now as I need a minimum of $2,500 to invest in a NTF (no transaction fee) mutual fund.
As I’m on track to max this out this year, I’ll hit this mark in August and will immediately invest it.
Auto Value: $9,608 – ($290)
I have my Auto Value pegged at $2,500 above what the remaining value on my Auto Loan is. The negative value is simply monthly depreciation. The reason for this? Simply put, that was the value of the down payment I placed on my car (2014 Ford Fusion).
I verify through Kelly Blue Book each month so that if I desperately needed to, I could sell my car for around that value, which has always been the case. However, I plan on having this car for a long time so ideally the need to sell before the loan is paid off never actually comes up.
It’s sad to see my $100,000 car now worth less than 5 figures.. a hard lesson learned!
Credit Cards: $(1,515) – ($460)
I pay off my credit cards in full every month so this is just the monthly balance. By doing this I build credit and get free travel rewards and cash back while paying the credit card companies nothing in interest!
This number is what I pull from my credit card statements which ends on the 4th and 5th of every month. Now that I’ll be travel hacking more, I may just start pulling the balances at exactly month end since the newer cards aren’t guaranteed to have the same end statement date. I haven’t decided yet so I’ll report back.
Credit Card expenditures were a little higher this month. See below for the full breakout of spending to see how I did against my budget.
Auto Loan: $(7,108) – $290
The value on this increases as the amount of principle on the loan decreases with my monthly payment. Just chipping away at it at this point.
I got the loan with a 1.9% Interest rate, so I’m keeping it for now, though as the balance gets lower, it’s going to be more tempting to pay this off and be done with it, even if the math may not make sense.
A little overboard this month, but for good reasons mostly! I’m trying to hit the minimum spend on my new credit card so I’ve been trying to get some of the bigger payments out of the way.
Here are the details:
Monthly Rent $1,131:
Have to love living in a HCOL (High Cost of Living) area right? This is for a 2 BR apartment in which we split the cost. We could have found a place a little bit cheaper, however it would have been much further away from where we wanted to be (leading to an even longer commute), and with much less perks than what we have now.
My rent is increasing next month (as I renewed my lease another year), so you’ll see an adjustment to my budget to account for that.
Utilities $67 / Internet & Cable $70:
Definitely under budgeted for utilities, not a big deal though as I just cash flow the overage with my savings.
Internet/Cable is pretty standard around $65 as I split the costs with my roommate every month. We bought one movie leading to the extra charge this month. Still cheaper than the theater!
Groceries $175 / Restaurants $55:
Grocery spending was a bit higher as I had to buy some non food items that aren’t regular (laundry stuff, trash bags, etc) that get grouped in the grocery line.
Restaurant spending was under which meant I was doing a lot of cooking!
Car Payment $302:
Monthly car payment to pay off my loan. Only 2 years left now! It’s doubtful I let it last that long, but we’ll see.
With only a 1.9% Interest rate I believe I can beat that payment towards interest with returns through the market, which is the only reason I haven’t paid it off so far.
Auto Insurance $329:
This month I paid my auto insurance bill in full for the next 6 months. Earlier this year it was $292 for 6 months when I switched to a new company.
I was expecting an increase as many companies offer a super low rate to bring you in then promptly raise them afterwards.
At the end of this term I’ll be shopping around again to see if I can get a better deal if they raise it by that much again.
Auto Fuel $189 / Auto Other $59:
I have a lengthy commute to work – 60 miles round trip – leading to high fuel costs each month. The Other category includes any maintenance, repairs, taxes, etc that I budget for.
My fuel costs were inflated this month by the trip back home to see my parents.
I also had to get my oil changed, tires rotated and air filter replaced on my car as well which was the “Other” cost.
Cell Phone $0:
I’m still under my parents plan so this is my portion of the bill. I pay my parents directly up front for 6 months at a time. I’m currently paid through June at the moment.
No medical expenses this month and ideally the only remaining expense will be a small dental charge for an appointment later this year.
You can read about my unpreparedness and what led to the big YTD negative here.
I’m proud to say that I only spent $20 at the bars this month! My lowest ever! I guess that’s what happens when the friend you always went to the bars with moves away.
Instead, I spent $80 for a National Park pass that will last an entire year. As it costs $30 to get into Shenandoah National Park, this was a no brainer. As I write this I only need to visit one more national park/historical park to get my money’s worth!
The big expense was paying $275 for a ticket to Camp-FI Mid Atlantic next year! I was super bummed I could not attend this year, and the remaining Camp-FI’s this year were all sold out (still can make it to the Midwest one if anyone has an extra ticket though! 🙂 ).
I’ll also be missing Fin Con later this year due to a wedding, so I’m really looking forward to this event and surrounding myself with like-minded people!
I was debating creating a “blog” category for this expense, but since I haven’t monetized my blog there’s no real use. An expense is an expense! If I do end up making some money perhaps I’ll re-categorize, but that’s for a different day.
No travel costs this month, though will need to reimburse my friend for my portion of the Airbnb we are staying at during my upcoming vacation in August.
Father’s Day gift for my Dad. We went golfing with my two brothers when I was back home. Usually my dad will pay for all of us despite my best attempts to pay for my own.
However, this time I just decided to pay for everyone as part of the gift. My little brother is a broke college kid and my older brother and his wife are fighting to get out of a ton of student loan debt so I figured the was the least I could do to cover them both as well.
$50 for replenishing my metro card (usually refill by $20’s, but need to reach that min spend!) and $20 for monthly laundry.
Here’s the overall picture:
*Note – Take Home is my after tax pay (what shows up in my bank account). 401K is only my contributions. 401K Match is my company’s 3% match. HSA is both mine and employer contributions (my employer contributed $750 in January). Interest is from Bank Accounts only.
As discussed last time, I added in an Interest line as this technically is income! (Even though it’s peanuts). But it will be getting bigger now that I’ve moved most of my cash into higher interest online savings accounts.
June was expensive, but mostly due to a few one time costs. If I can get through the next couple months with a good savings rate I may just be able to reach my stretch goal of 55%! Stay tuned!
In the meantime – check out the Net Worth Updates page to see how I’ve done in past months.
How did your June turn out?


RADWIN, the global wireless broadband provider, today announced that ‘High Desert Internet Services’ – Northern Nevada’s High Speed Wireless Internet Service Provider – is massively deploying RADWIN’s JET Beamforming base stations in its network along with hundreds of PRO and AIR subscriber units to serve both residential customers and businesses such as warehousing and manufacturing plants. ISP ‘High Desert’ is in the process of migrating its customer base from WiMAX and under-performing legacy wireless equipment to RADWIN’s solutions.
Doug Dawson, President of ‘High Desert Internet Services’ explained why he chose RADWIN JET Beamforming PtMP: “We reached a point with our WiMAX network where we simply couldn’t meet the demand for bandwidth from customers. We tested the JET product for close to 6 months because some of our mountaintop towers get 120-150 mph winds and we wanted to make sure RADWIN’s equipment would stay on towers, plus we have long-distance connections of 8 to 10 miles and we wanted to see the capacity we could achieve.”
Concluded Dawson: “Before we used RADWIN we had cheaper radios in our network and it was constant truck rolls which hurt our bottom line and hindered network rollout. With RADWIN’s Beamforming wireless equipment you get what you pay for. JET is a high quality product and there are zero truck rolls. Our key objectives are reliability and performance and with JET we’re delivering 25-30 Mbps to residential customers and 100 Mbps services to commercial enterprises and can compete with cable companies in the area. Most importantly, subscribers on our RADWIN network are extremely happy and we reduced turnover substantially. Word of mouth is our biggest sales force and each month we’re getting more and more customers referred to us. We’re deploying JET like crazy and adding new customers every day.”
Dennis Stipati, RADWIN GM NA: “This latest project with ISP ‘High Desert Internet Services’ proves that service providers whose mission is to deliver high-capacity service to their customers select RADWIN JET. When you buy carrier-grade equipment there are far fewer truck rolls and you’re positioned well to compete with local cable companies and other ISPs. In addition, churn is eliminated and valued customers recommend you to their neighbors and friends. We’re proud to be the leading choice of discerning ISPs.”
RADWIN is a leading provider of PtMP and PtP broadband wireless solutions deployed in over 170 countries.


'Pauline enjoys high-level business and governmental connections throughout the world, including the United States, China, Japan, Australia, Singapore and Vietnam.' - Todd Moster Esq (Attorney & Author)
In today’s challenging business environment, success will lie with business people with the innovative outlook, dedication and international connections to navigate the fiercely competitive and increasingly globally-integrated economy of the 21st Century. Pauline Truong exemplifies those qualities.- Todd Moster Esq (Attorney & Author)
'An amazingly accomplished and generous individual, Pauline is an inspiration who is giving back to the community and helping to cultivate the next generation of attorneys, professionals, entrepreneurs, and women worldwide.' - MOGUL, 2015.


When you’re looking to buy a fence, there are a few basic things people consider. What their price range is, what style they’re looking for, and what material they want; whether that’s wood, stainless steel or aluminium. Then they choose their fence. But it’s time to add another factor to the list, consider buying Australian-made. At ToughGuard20 we’re proud to be entirely Australian owned and operated. Based out of Geelong, we do our construction and powder coating locally on-site, making us an Australian-made company.
Why choose Australian-made?
Buying locally can end up being the more expensive option, but it usually pays off. You’re choosing to support a local business and pouring money into your own community. You know the products will be designed and built specifically for Australia’s regulations and conditions. Plus, you can be sure your product will be on trend and blend with the local neighbourhood. You don’t want to buy a fence that would look better in Shanghai than Melbourne. Choosing Australian-made products just makes sense.
Support local business
Shopping local has its obvious advantages. Namely, you’re keeping your money in the community; you’re supporting local jobs and improving the local economy. But the advantages aren’t limited to where your money goes. Buying local, Australian-made products means you get the opportunity to meet the people behind the product; you’re getting first-hand information from the experts themselves. You’re getting more personalised and better service. When you’re buying from a smaller local business, people know their customers. They can help you wherever possible and ensure you’re getting the most out of their product, because it’s important to them that you do. You definitely can’t say the same about multi-national conglomerates.
Built for Australian regulations
The team here at ToughGuard20 have a thorough knowledge and working understanding of Australian fencing regulations. Therefore, they’ll be able to help you when planning your fence to ensure you’re not making any serious mistakes. Almost all our tubular style of fencing is in accordance with Australian pool compliancy standards (AS1926.1).
We’re up with the trends
We’re Australian-made and locally based so we understand the neighbourhood and what types of fences people are installing. We’re not going to design a fence that would completely clash with the Australian residential area, nor are we going to sell you something that’s really trendy in America, but Australians wouldn’t buy. We understand where we are and we can ensure you’re getting the best fence for your property.
The other major benefit of being Australian-made is the warranty we can offer you. We have faith in our products and know they’ll stand up to Australian conditions. Consequently, every aluminium fence comes with a 10-year manufacture warranty, plus a 10-year powder coating warranty. Additionally, we have a premium range called ToughGuard20/20. This range is backed by a 20-year manufacture warranty, plus a 20-year powder coating warranty. These types of benefits are why you should shop Australian-made and support local businesses. Talk to the team at ToughGuard20 today about your next aluminium fence.


Local Electricity Discount (LED)
We have increased the funding of the Local Electricity Discount (LED) program by 20%, up to $60,000 annually. Through this program, residents living within 1.5 km of a turbine can apply to receive an annual abatement towards their electricity costs. In order to ensure an increased benefit goes to those closest to turbines, we have proposed a plan whereby residents within 800 m of a turbine are eligible for a double-credit. You can view the proposed eligibility zones on this map. The LED program would represent a contribution of $1.2M to local residents over the next 20 years.
Community Benefits Fund
In addition to the LED program, we propose to set aside another $30k annually into a ‘Community Benefits Fund’ earmarked for local initiatives. This will total approximately $600k of funding over 20 years and will all be directly invested within the community. The fund would be managed by a committee and would be conditional to some representation by the community of St-Bernardin. This funding, like the LED, would be outside and above the payment of project taxes to the municipality. A condition of the fund would be that the money be spent in the St-Bernardin community.
Support of Special Projects
We are intent on supporting local ‘special projects’ within the community in the near term, prior to the project becoming operational. Currently, we have an open offer to help fund renovations at the community centre and to support fundraising efforts for local recreational upgrades in the area. Details of these initiatives are still being reviewed and will become clearer in the coming year. Look for more announcements by mail or at our future open houses.
Have an idea for a special project? Please contact us here.
The project will be assessed by the Municipal Property Assessment Corporation (MPAC) and will pay substantial taxes to the Nation and Champlain Municipalities, without any hidden costs for the project. The exact amount will be determined by assessment from MPAC, but it is estimated to be around $130,000 to $140,000 annually, representing up to $2.8M of tax revenue split proportionally among the municipalities over the 20 year life of the project.
RES is looking at offering a scholarship of $2,000 per year to a student from the region wishing to study in a field related to renewable energy or sustainability. This scholarship would be managed by a local committee with representation from the community, the municipality and the project.
The project will require both short and long term employment. Short term jobs include pre-construction field work as well as construction labour, materials and equipment. Long term jobs include site maintenance, project technicians and site management. Furthermore, there will likely be an associated increase in local support business as employees and tourists coming to see the project will spend locally.


payday loans with Financial Credit Institutions are an alternative financing for those who have been included in this registry, either fairly or by a discrepancy in the payment of an invoice or receipt. In the article we explain how this mechanism works and its advantages.
What are payday loans with Financial Credit Institutions?
The payday loan with Financial Credit Institutions works exactly like a conventional loan, but the difference is that it is granted even if the person requesting it is registered in a file of defaulters.
Why does that happen? Actually, it does not have too much mystery. The main thing for the lender is to check that the person requesting the money can return it. And, although it seems the opposite to the naked eye, the truth is that being included in a file of defaulters does not imply that there is that problem, for several reasons:
1. A person who has had a default can be registered in the Financial Credit Institutions file for 6 years. It is not necessary to remember how much things can change in that period of time, so you have to take it into account. Maybe in a moment you stopped paying a receipt that you do not remember, but the debtor does; That means you’ll have to pay to be discharged.
2. Secondly, there are companies that use the registry in this file as a measure of pressure for the user to communicate with mill wheels. For example, if there is a discrepancy in the payment of the receipt, even if you can claim, input will be included. Since the lawsuit can take months or even years, there are many people who decide to pay and keep quiet. If this is not your case, perhaps you are included in Financial Credit Institutions without having to.
For all these reasons, the inclusion in a file of defaulters does not provide enough information when assessing the real risk of accepting an operation. In this way, many people who could not today can access the financing. We explain better how the process works in case you are interested.
The hiring of payday loans with Financial Credit Institutions
The process of hiring a payday loan with Financial Credit Institutions is similar to that of the rest of the financial products, although the truth is that it is a target in which fintech companies have specialized. In general, you will be asked to be of legal age and under 65 years of age, have legal residence in Spain, a bank account and a mobile phone. The lender will be in charge of carrying out the inquiries and, as a general rule, in a short period of time they will give you a definitive answer.
On the other hand, it should be noted that there are several advantages and disadvantages that you should know to make a conscious decision.
The first obvious advantage is that you will have the money even if you have some personal debt because, as we have said before, the main element is that you prove that you can repay the loan. In this way, people who once considered themselves unfit for a loan now become it; in the old days, it was unfair that many people did not give them loans when they were really solvent.
On the other hand, today the policy of granting payday loans has changed and, within limits, you will have several possibilities for repayment. Thus, you will have a certain ability to adapt when dealing with payments and you will be more relieved. It is not just the terms, but the amounts and the possibilities of fractioning the payment, which differ (and a lot) depending on the entity.
In addition, the concession processes are very fast. As Fintech companies have specialized in this market niche, the usual thing is that you can consult through your computer or a phone call and that in a few minutes you have a definitive answer. If you can not waste your time, this is one of the most interesting options that exist.
Another element that you have to consider is that this type of operation is granted for small expenses, normally no more than 1000 euros. Therefore, you will not have to acquire big commitments if what it is about is to pay for an appliance or a repair of your car and, in a few months, you will have settled the debt. Goodbye to having to carry years and years with the cross of a high amount.
The first drawback of this operation is that, by its very nature, the interest you are going to pay will be higher than if you were not included in any of these “blacklists”. This happens because the lender will assess the potential risks and, in most cases, these are greater. We are not going to cheat; Until a few years ago, giving a payday loan to someone on a defaulter list was the exception.
Another aspect to consider is that the margin of default in payments is minimal because the consequences are dire. This is usually the last resort, so you should only ask for it if you are sure that you will be able to pay because, if not, you can be sure that they will not give you loans anywhere else.
Finally, you must know that the amounts that will be granted will be less than in a conventional payday loan, so it is a possibility that will not compensate you in many cases. If you have to make an expense of a certain entity, it is preferable that you explore other options.
The payday loans with Financial Credit Institutions are an alternative for those people who have to face a payment with haste and need an alternative source of financing. Now, as the amounts that are granted are lower and the interest to pay higher, we recommend that you only use this resource when you have no choice. In Astro Finance we have a comparator that will let you know which is the offer that interests you the most and, on the other hand, we take care of analyzing carefully the different available offers.


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- Once the order has been successful and paid, your commission will reflect on your business portal and will be available for payout request


BOZEMAN – A third-generation Montana farmer with a philosophy degree who spent 30 years shepherding Montana agriculture into the forefront of organic and alternative crop production has been named the MSU College of Agriculture and Montana Agricultural Experiment Station’s 2017 Outstanding Agricultural Leader.
The public is invited to congratulate David Oien, co-founder of Timeless Seeds Inc., at a Montana-made breakfast at 10 a.m. Saturday, Nov. 4, in Shroyer Gym, located in MSU’s Marga Hosaeus Fitness Center. The breakfast is part of the college’s annual Celebrate Agriculture event scheduled for Nov. 3-4.
MSU Vice President of Agriculture Charles Boyer said Oien’s history as a respected advocate for diversifying Montana dryland production and as a lifelong proponent of sustainable, organic systems is an example for current agricultural students.
“Long before pulse crops were popular in Montana, before organic and natural foods were trendy, before ‘sustainable’ and ‘renewable’ were terms farmers regularly used, David Oien was quietly changing the landscape of Montana agriculture as one of the state’s first organic farmers,” Boyer said. “His grassroots story and life’s work in encouraging alternative, sustainable food production and a new crop frontier is something Montana agriculture owes a great debt to.”
The Outstanding Agricultural Leader award is given annually to individuals or couples who are engaged and well-respected in the state’s agricultural community. Recipients have impacted many with their accomplishments, have a lifetime of achievement in agriculture, are industry leaders or innovative producers, and are actively involved in Montana’s agricultural community.
Robert Boettcher, a Montana farmer and former Outstanding Agricultural Leader in 2003 who is a longtime friend of Oien’s, nominated Oien for the award. Supporting letters detail Oien’s years of public service and agricultural innovation. Letters were received from Alternative Energy Resources Organization, Montana Farmers Union, Montana Department of Agriculture, Montana Milling, Stanford University, U.S. Sen. Jon Tester, and several current and retired MSU faculty representing agronomy, soil, land resources and health and human development fields. The letters also describe Oien’s early adoption of organic practices and his gentle, steadfast commitment to bring increased research, attention and support to alternative cropping systems and new crops to farmers in the Northern Great Plains, according to authors.
Oien is a third-generation Montana farmer whose Norwegian grandparents homesteaded in the early 1900s south of Conrad. He was raised on the family wheat farm and received a degree in philosophy and religious studies in 1976 and later returned to the family farm to transform production to an organic-based system.
Nomination letters detail the history of Timeless Seeds Inc., which Oien co-founded in 1987, together with friends and fellow farmers Bud Barta, Jim Barngrover and Tom Hastings. The trio had a goal to market a self-reseeding leguminous cover crop variety called George Black Medic, which had been developed by the late MSU agronomy and research professor Jim Simms, whom Oien considered a trusted mentor and dear friend until his passing last year.
In the beginning, Timeless Seeds Inc. consisted of a few outbuildings on Oien’s property south of Conrad: a chicken house, equipment shed and a garage, according to Boettcher. The original mission of the company was to introduce new crops to conventional Montana farming and share the benefits of lentils that provided natural nitrogen and green manure, built organic matter and conserved soil moisture.
In the 1980s in Montana agriculture, growing organic, alternative crops was counterculture to that of widely practiced conventional agriculture in wheat-fallow systems that used synthetic fertilizer. Nomination letters lauded Oien’s persistence as a risk-taker and suggested Oien’s philosophy background formed his ability to engage in contentious discussions thoughtfully and critically, forming relationships with agriculture-minded people from all walks of life.
As natural foods and cropping systems became more popular, Oien was deeply engaged in conversations, policy and advocacy work advancing the diversification of Montana dryland agriculture by encouraging farmers to replace fallow fields with pulse crops and advocating the ecological and sustainable benefits of organic-based systems.
Oien’s role in introducing farmers in the Northern Great Plains to alternative crops and organic systems and developing markets for new crops over the last 25 years was chronicled in the acclaimed book, “Lentil Underground,” by Liz Carlisle, a Montana native and Stanford University lecturer who won the 2015 Montana Book Award. Today, Timeless Seeds has transformed into Timeless Foods Inc., which supplies national grocery chains, food manufactures and food service distributors with high-quality, organic, specialized grains and is one of the largest organic lentil seed buyers and suppliers in America, according to its website. In 2016, the United Nations declared the year as the “International Year of the Pulse Crop,” and Montana celebrated its role as the country’s top producer of pulse crops with 1 million acres planted, according to the United States Department of Agriculture.
Throughout the years, Oien has been active on many boards and committees promoting organic agriculture and pulse crops, including charter memberships with Pondera Solar Alliance, Alternative Energy Resources Organization Ag Task Force, local organic farmer chapters, Montana Organic Certification Advisory Committee, the Montana Organic Association as well as the Montana Manufacturing Extension Center In 2008, he received a lifetime of service award from the Montana Organic Association, and AREO’s 40th Anniversary Leadership in Sustainability.
He has helped and mentored many Montana farmers as they transition crop management into organic systems and systems that use less energy and are ecologically regenerative and economically sound. He also worked closely with MSU faculty on a variety of research projects, mentored students and supported learning practicums for MSU students in the Sustainable Foods and Bioenergy Systems major.
Oien is married to Sharon and the two have three grown children; Sara, Adam and Chris.
The selection committee for the Outstanding Agricultural Leader award comprises three Montana agriculture representatives, a College of Agriculture faculty member and an MSU student. MSU’s College of Agriculture has presented Outstanding Agricultural Leader awards since 1999.


John Napoli and Associates, Inc., established since 1950, is Puerto Rico’s premiere food service equipment and supplies dealership, catering to the hospitality and restaurant industry in Puerto Rico and the Northeast Caribbean.
JNA, Inc. has built a reputation based on the commitment to offer the highest quality products at the most competitive prices in the marketplace. Our most recent project portfolio speaks for itself, with major hotels and resorts throughout Puerto Rico, convention center banquet facilities, regional hospitals, major casual dining and quick service chain restaurants, pharmaceutical in-plant feeding facilities and Puerto Rico’s finest restaurants.
We believe in building mutually beneficial and enduring relationships with all of our clients, based on conducting business activities with integrity and respect.
We value and appreciate your business. Thank you for allowing us the opportunity to serve you.
264 Ave de la Constitucion, Puerta de TierraSan Juan, Puerto Rico 00901.
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Having your own home based business opens up many money making opportunities for you. Home based businesses can provide a full time income and they can be used to supplement income from a part time or full time job. The great thing about a home based business is that you can make money from it when you have other commitments such as child care. To a great extent you can choose your own hours and you can choose where and how you work.
Once you have decided that you want to work from home you need an idea that is going to provide the lifestyle you want. For some people that have a skill set that makes working from home easy. They have skills that they have learned already and they are ready to make money from them. A typical example is the bookkeeper or web designer who strikes out on their own after working for someone else. There are may hundreds of similar examples.
For others the decision about home working is more complex. There may be no obvious skill they can sell. However, that does not mean that a perfectly viable business cannot be developed. There are many home based business ideas that that can be made to work by people who are motivated. It is also important to remember that your home based business does not need to be a unique or unusual idea. Look how many people have businesses in the same niche in your home town. Few markets are completely saturated. I think it is fair to say that for anyone who is willing to work hard and provide excellent customer service they will always be able to make good living.
So in conclusion, if you are looking for ideas for your own home based business its important that you consider what skills you have and how you can make money from them. Once you start thinking about running your own business you may become overwhelmed by the amount of home based business ideas that you have. Its important to filter out those that are unsuitable, perhaps because of the costs involved, the problems with running it from home or other practical issues.


You must have heard about how low-cost LED grow lights are and how easy it is to set up and maintain. However, if you have a larger grow room, you'll have a hefty monthly power bill. Many individuals use LED lights for domestic use to grow plants, especially seedlings.
The majority of grow lights are designed to be energy-efficient. Therefore, they will have a little impact on your electricity consumption. We'll also look at reducing electricity costs when you run led grow lights. How much electricity do grow lights use? To find out how much it costs to operate LED grow lights, here is the place to go!
How Much Electricity Do Grow Lights Use - How Much Does a Grow Light Add to Electric Bill?
You know that light is plant nourishment when you're a plant lover, and plants can't thrive without it. Your plants will be healthier if you can supply them with as much light as possible. Grow lights increase the amount of light your plants receive, allowing them to grow more quickly, create larger leaves, and produce more carbohydrates for growth.
Consider the following facts to get an idea of how much money you might anticipate spending on grow lights each month:
Power consumption rises in direct proportion to wattage. It costs you $1.725USD a month to run a 30-watt grow light nonstop for 12 hours. A 50W grow light on the same hours per month will cost you $2.875.
All grow lights draw power. Watts measures their electricity usage (W). Be careful while selecting grow lights because many are too weak. Try to choose a grow light that will adequately light your plants without spiking your electricity bill.
The farther the grow light is from the plants, the less LED light will reach them. Strong, high-quality grow lights placed closer to the plant will boost. If the plant requires strong or medium light, this will also be a factor.
Local Energy Cost
The last factor in determining the cost of your grow light electricity is how much you pay for power in your house or company. The cost will vary based on where you live and the electricity provider you're working with.
For instance, it costs you 0.16$ per kilowatt-hour to run your home's electrical system (kWh). It indicates that you are paying $0.16 per kilowatt-hour for every hour you consume electricity. Using 1,000 Watts equates to 1KW. Thus you'll pay 0.16$ per hour for every 1,000 W you use.
Use the following calculation to calculate the monthly cost of operating your grow lights: Total Kilowatts (KW) x Kilowatts Per Hour x Hours Per Day (days). You must divide the wattage by a factor of 1,000. (1,000 KW in 1 W).
If you were to use the kWh rate previously given to power a 1000 W grow light for 12 hours each day, the formula would be: 1 x $0.16 multiplied by 12 by 30 is $57.6 each month.
Using a Grow Light Electricity Calculator
The grow room electricity calculator considers several factors when calculating grow light costs. These include the type of lighting, hours per day, electricity cost, and quantity of lights. You can calculate how much power grow lights will require in seconds. It shows you actual expenses for growing houseplants with grow lights.
Flower vs. Veg Cycle
Grow light costs can be greatly affected by the number of hours you want to operate them each day. You'll spend more money each month during marijuana vegetative growth since your lights are on for longer periods (about 18-24 hours per day) than in blossom. You will run LED lights for about 12 hours per day in the flower growth.
Type of Grow Light
The same cannot be said with grow lights. LED grow lights are a go-to choice because of their effectiveness and because they don't produce much heat. Only if you buy large LED lights that cover a lot of plants, like the Spider Farmer Grow Light, will you see a difference in your electricity cost. Check out Grow Light Finder if you're unsure what type of grow light to use.
Brand of Grow Light
Make sure you purchase from well-known brands to ensure that you get a warranty and high-quality products that are more efficient than those from unknown companies. A high-quality grow light will save you money in the long run because you won't have to replace it as frequently as you would with a lower-quality brand. GE, Sansi, and Rousseau are just a few of the well-known names in the industry.
Do Growing Lights Use a Lot of Electricity?
It varies according to the lighting conditions. For example, a high-powered LED grow-light consumes a lot of energy. However, it consumes less energy than other types of light that provide the same amount of brightness.
Isn't it true that LED grow lights consume less power? That implies they're almost free to operate, and you could save a ton of cash this way. Unfortunately, that is not the case as there will still be an electric bill.LEDs save you money in the long run since they're more effective than any other light source. However, you'll still be paying a high monthly cost of running your grow lights. If you were using any other type of light like HID lights, it would be far larger.
How Much Does a 1000 Watt Grow Light Cost to Run?
It's not as complicated as figuring out how much power an LED grow light consumes. You need to know the grow light's wattage and how many hours a day it is on. You'll need to figure out how much power is being utilized by the device. The cost of electricity is expressed in kilowatt-hours. You must divide your wattage by a factor of 1,000. (1,000 KW in 1 watt).
If we utilize 800 watts as the real electrical power, the power draw is 0.8 kilowatts per hour. The charge per hour is calculated by multiplying your kilowatt-hour rate (found on your power bill) by 0.8. If you choose time-of-day pricing, your costs will fluctuate based on the day, resulting in a variable hourly rate.
To arrive at the final figure, you must multiply the number of hours a day the lights are on by 0.8 KWh. That works out to a total of 19.2 kilowatt-hours consumed in 24 hours. Following that, it's important to know your power bill.
Is It Expensive to Run LED Grow Lights?
Plant lights may be a source of anxiety for some consumers, whose monthly utility bills are already rising. A powerful LED grow-light or many powerful LEDs will use a significant amount of your budget. When compared to high-intensity discharge (HID) lights, the cost to run the lights is significantly cheaper. LED lighting is among the most efficient methods to light up a grow room.
LED light bulbs have a longer lifespan, are more sturdy, and provide equivalent or greater light energy than other light types. Changing bulbs every six months to a year is no longer necessary because of the increased lifespan of LED light bulbs. You save a lot of money by not buying new bulbs all the time.
The bottom line is that you may profit from LED grow lights by not only saving money due to their cost-effectiveness. A significant advantage of LED lights is obtaining what you want in terms of spectrum. The leading manufacturers have made LED lights with the ideal spectrum for plant development in consideration.
Tips to Lower Your Indoor Grow Room Electricity Costs
If you're only growing a few plants, switching to grow lights won't impact your monthly electricity expenditure. There are methods to cut costs for those of us with an abundance of plants in our homes.
Switch to Energy-Efficient LED Grow Lights to Save Money
Switch to LED lights immediately if you're still using incandescent lights to save money. U.S. Department of Energy (DOE) research indicated that LED grow lights can reduce electricity consumption by up to 30 percent compared to the custom lighting technologies in horticulture applications.
Reduce Hours Grow Lights Are On
Suppose you're growing your plants under a grow light for 18 hours a day. Perhaps leaving the LED light on for 12 hours a day would be sufficient for the plants? The shortened hours should be fine if the leaves keep growing and developing. You'll pay less for power.
Inspect the Grow Room's Insulation
Insulate your grow room properly. You will keep your plants warm without wasting money. Heat is necessary for germination and plant survival, and growth. If you don't properly insulate the glow room, your HVAC system will have to work overtime, and you'll wind up spending more on electricity bills.
Switching to a Less Expensive Electricity Provider
You can save money by switching to a cheaper power provider if you live in a country or state with various providers.
If You Have Access to Natural Light, Make Use of ItGrow lights may not be necessary during sunny weather, and the plants are next to the windows. If this is the case, switch them off, even if only for a few hours. You could even program the LED lights to switch on and off using timers.
Should You Lower Your Electricity Bill When Growing Plants?
Plants need light to thrive. Do not allow a lack of light to deter you from having a variety. You may save money and gain a lot of power for your plants by using energy-efficient grow lights. A better understanding of what it costs to run LED grow lights is now in your hands.
The above strategies can help you grow more efficiently. The money you save by growing your plants indoors will blow your mind. If you're using LED lights, the price will vary based on the type and the number of lights. So, if you're serious about growing, you'll want to look around for the best LED grow lights available.


|About this site|
This website compares countries in the world in various ways, and describes their characteristics.
Although my central concern is Japan (that is why this website is entitled "Global Japanese Data Ranking"), I believe it is useful to any of those interested in international comparison.
I would be very happy if this website facilitates many people to think and discuss the characteristics of countries and regions.
However, I strongly advise you not to trust the figures too much. This is not only because I might make some mistake when I put them, but also because they have various "tricks" by nature.
For example, a country indicates low crime rates either because there are really few crime cases, or because the country is more ignorant of the crime.
There are also differences in the way of estimation across different countries.
Having said that, I believe it is useful to look at the figures and compare different countries in order to stimulate your intelligence and to develop your idea about economy and society.
However, I do not undertake any responsibility for any accident caused by the use of this website.
The use of the data on this website follows the policies of the source organizations below.
World Bank: http://go.worldbank.org/OJC02YMLA0
I contacted the following organizations respectively and obtained a permission to the use of the data.
Organization for Economic Cooperation and Development (OECD)
Please send your ideas and questions about this website to


If you consider yourself a real estate entrepreneur or investor, the Think Realty training and networking event is for you! A convenient 15-minute drive from your stay at The Atrium Hotel.
These events allow you to connect with real estate professionals, exhibitors, and educators that will help you to earn more return on your real estate investments.
Coming to Irvine on July 13-14, 2019, Think Realty is a power-packed, two-day weekend event for the inside scoop on the best real estate industry tools. Stay at The Atrium Hotel and enjoy various educational sessions throughout the weekend.
The real estate workshops and sessions will cover topics such as Real Estate Wealth Building, Establishing Your Real Estate Business and Brand, Residential Property Investing, and Commercial Property Investing.
Keynote Speakers include Bruce Norris from The Norris Group and Brent Kesler from The Money Multiplier.
Breakout Training Educational Sessions will include:
- The Best Opportunities In Senior Housing For The Next 20 Years
- Non-Conventional Lending, a panel discussion
- A Presentation by Shawn Woedl of National Real Estate Insurance Group
- How to grow your Investor Business with Kelly Soto, Finance of America Commercial
- A Presentation by Clint Coons from Anderson Business Advisors
- The Money Multiplier Method with Brent Kesler, The Money Multiplier
- 3 Ways Flippers Can Access More Inventory with Bank Notes
In addition, there will be over 30 exhibitors who can provide you with various tools and services strictly focused on helping you achieve the most you can as a real estate entrepreneur. These industry professionals can assist with strategic planning, building a quality real estate investment business and marketing plan, and much more.
Access advice from Think Realty Coaches, who will take you through the five phases of establishing, maintaining, and growing a thriving real estate investment business: wealth building, best buy and hold practices, presenting your deal to private money leaders, streamlining processes, and commercial real estate investing will all be covered by these experts.
If you are serious about taking your real estate career and investing to the next level then be sure to mark your calendar for Think Realty Irvine. Early bird pricing is $65 until June 1st, so be sure to book your place early.
Looking for a convenient business travel hotel in Irvine California? Look no further than The Atrium Hotel. Located next to John Wayne Airport, it offers everything the modern business traveler needs. Contact us today to book your stay for the Think Realty 2019 conference.
Full Event Details: https://thinkrealty.com/tr-events/irvine/
When: Sat, 13 Jul 2019, 8am-5pm – Sun, 14 Jul 2019, 9am-5pm